Dealer Portal Reference Guide

Transcription

1 Dealer Portal Reference Guide

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3 Table of Contents Contact List 1 Welcome 2 Dealer Portal 3 Dashboard & Work Queue 4-5 Advanced Search & Unsubmitted Apps 6 Application Information 7 Application Review 8 Create Loan Documents 9-11 Complete Loan Documents Completing Hard Copy Forms Closed End Payment Factors & APRs Loan Completion Certificate 21 Upload Documents 22 Customer Notes 23 Reports 24 Setup 25 User Login Setup s 26 Support 27 DecisionLaunchpad Link 28

4 Contact List Physical Address (Documents mailed UPS, FedEx, etc) Foundation Finance Company 7802 Meadow Rock Dr. Weston, WI Mailing Address (Documents sent US Postal Service) Foundation Finance Company P.O. Box 437 Schofield, WI Hours of Operation (Central Time Zone) Monday-Thursday: 7 a.m. - 9 p.m. Friday: 7 a.m. - 6 p.m. Saturday: 10 a.m. - 2 p.m. Credit Dept Option 3, Option 1 Ext: 4436 Fax: credit@foundationfinance.com Approvals Stipulations Re-looks/Credit Increases Funding Dept Option 3, Option 2 Ext: 4438 Fax: funding@foundationfinance.com Paperwork Stipulations Loan Completion Certificates Dealer Support Dept Option 3, Option 3 Ext: 5012 Fax: sales@foundationfinance.com Training Point of Sale Materials Change of Dealership Information Follow us on our social channels for updates, important announcements, free content and more! 1

5 Welcome Welcome to the new Foundation Finance loan software platform. DecisionLender FFC is ready to blast into the future with the introduction of our new loan software platform. We have built a flexible, scalable, easy-to-use system that will support our growth (and that of our valued dealers) for many years to come! What's new? Automated Decisioning get faster answers and longer service hours for applications entered in the new platform. FFC underwriters will still review the more challenging applications to ensure we are giving you as many approvals as we can. In-Person Electronic Signing via Docusign this new feature, in addition to the (remote) signing option, will give you the tools to close deals more quickly. API Integration the new platform allows FFC to integrate with a variety of different dealer platforms and third parties to continue to bring new features to our dealers. Improved System Reliability and Flexibility more options for things like notification s, reporting and promotional plans will allow FFC to better serve you. And much more to come! We are excited for the initial launch of DecisionLender and for the upcoming enhancements and improvements on the horizon. We appreciate your patience as we work to transition fully to the DecisionLender system. Our team is ready and waiting to assist you with any questions you have or training you need. THANK YOU for helping make this possible through your business and support. We look forward to what the future holds for us all! The FFC Executive Team FOR QUESTIONS OR TRAINING, CONTACT: sales@foundationfinance.com x5012 2

6 Dealer Portal DecisionLender allows you to: Submit new loan applications. Check the status of your loans Approved, Denied, Funded, etc. Generate completed loan documents for electronic signature, in-person signing or print. Access online training materials. View and download application and purchase reports. Create additional users with limited access. Let's get started. All new applications and activity will be done in DecisionLender. Go to foundationfinance.com and click Dealer Login Login to Kwik-Dealer Kwik-Dealer will only service applications submitted prior to the new software launch. Login to DecisionLender If you have issues logging in or forgot your password, click here. Login using the information provided to you and password you created. 3

7 Dashboard & Work Queue The Dashboard area is still in development and will contain information and data for tracking your business growth with FFC. Work Queue - My Apps My Apps will display all of your applications. Select how frequently your list refreshes. Sort your work queue based on the type of application you want to see. Clicking the App Number will open the application. The status of the verification will appear here. See below for status definitions. The status of your application submission will appear here. See below The number of stipulations for each loan are listed here. for status definitions Ḋefinitions The status of your documents will appear here. See below for status definitions. The status of receipt of the original documents will appear here. See below for status definitions. Expiration Date Date the loan approval expires Active Stips Number of stipulations, if any, that have not been satisfied Documents Need Documents Need loan documents Needs Review Documents have been received and are being reviewed by FFC Contact FFC Please contact FFC regarding questions on the documents you submitted Dealer Action Reqd FFC has informed you of an issue with the documents. Please make the necessary changes to resolve the issue Cancel Loan application has been canceled Sent Back Loan application has been sent back to the dealer Cleared The documents have been reviewed with no issues Verification Need Items Awaiting items to verify the loan Need Verification Need to complete verification Need Pre-Verify Need to complete pre-verification Need Final Verify - Need to complete final verification Needs Review FFC is reviewing the verification Contact FFC FFC has questions regarding the verification. Please contact the office. Dealer Action Reqd FFC has informed you of an issue with the verification. Please resolve the issue Cleared The verification has been completed Originals Have Originals FFC has your original documents Need Originals Please provide your original loan documents to FFC 4

8 Dashboard & Work Queue Work Queue - New Application Click here to add a co-applicant to the application. To enter a new application, click New Application under Work Queue. Use the TAB key to move through the fields for best results. Blue "Submit" buttons are located at both the top and bottom of the application screen. If a required field is missed, the field will appear in red at the top of the application. If you need additional info or need to come back to the application, you can save what you have. The application moves to the "Unsubmitted Apps" section. FFC will immediately be notified of the new application to be processed. The application will either be autodecisioned or assigned to a credit analyst to review and you'll receive a decision and the status will be updated in the Dealer Portal. 5

9 Advanced Search & Unsubmitted Apps Search for any of your applications using one or more of the criteria below. Applications started but not submitted will appear here. Click the applicant's name to finish completing the application. 6

10 Application Information Click the App Number to access an application. Clicking the applicant's name displays the applicant's personal information. Clicking the number of stipulations will show any stipulations on the account. The decision status indicates FFC's decision on the application. This is the date the loan will expire. The funding status shows if documents have been received or if the loan has been funded. 7

11 Application Review You can review the application information submitted. To add a co-applicant, either call the office or click Create New App. It duplicates the existing application and allows you to add a co-applicant. 8

12 Create Loan Documents Click the application number to begin creating documents. Click the ContractPrep tab in the decision screen. The document type will default to Electronic documents. To generate Paper documents, click the Paper toggle button. Generating Paper documents will eliminate your ability to generate electronic documents for the life of the loan. When possible, generate electronic documents. If you're generating an LCC at a later time, you can select e-sign as a signing option. Click Cancel to return and generate Electronic documents or Confirm to generate paper documents. Reminder: Choosing Confirm means you will never be able to generate electronic documents on this loan. 9

13 Create Loan Documents Choose the Create New button to begin a new set of documents. Select your loan type - Closed End (CE) or Revolving (REV) here To include a Same-as-Cash promotion, choose Yes. If the Edit and Create New buttons are red, FFC is missing state-specific documentation for you to do business in the applicant's state. Contact Dealer Support. To include a deferred payment, choose Yes here. Select the deferment term here. The Contract Rate will default to 17.99%*. To reduce it, select the desired rate from the drop down. *State-specific requirements apply If including SAC, choose the Same-as- Cash term here. First Payment Date will automatically populate 30 days from contract date or based on the promotion selected. The actual 1st payment date will be 30 days from project completion. *Customer can request a one-time payment date change. All fields in the above section are required even if choosing the standard rate. See chart below for examples. Promotion Offered SAC SAC Term Deferred Payment Deferred Term Contract Rate 9.9% APR No No Term No No Term MOSAC Yes 12 Months No No Term MODEFSAC Yes 6 Months Yes 6 Months MOSAC, 11.9% APR Yes 18 Months No No Term 11.9 Choose desired term or payment factor. If the project is completed, check this box and select completion date to include the LCC. Complete the description of goods with the specific work being completed. 10

14 Create Loan Documents To submit the customer's ACH information, click here. Complete all required fields. If customer confirms during verification, you are eligible to receive an ACH bonus.* The sale price can be adjusted here. Reminder: To increase the amount of the loan, you must contact the credit department. *ACH Bonus You can earn an extra 1% bonus on Tier 1 and Tier 2 customers or a 2.5% bonus on Tier 3 customers. Valid information must be provided and the customer must confirm the info on our verification call. Disclose any down payment from the customer here. Click Save and Validate to save all changes made to the documents. 11

15 Complete Loan Documents *If you selected print documents, please see page 14 Electronic Signing Click the Documents button to view individual documents and send for signing. Click any of these buttons to review a copy of the document. Remote Signing - customer will receive to electronically sign documents. In Office Signing - all parties can sign the loan documents at the same time using the same device. Separate s for each signer is preferred. If for some reason this is not possible, one will be sufficient but we will be confirming during the verification that both parties have access to the final signed documents. Click to send to DocuSign 12

16 Complete Loan Documents Esign - Remote Signing Click here to view e-sign status. The Status shows the sign completion status for each signer. Document Signing Order: Applicant, CoApplicant, Dealer Send a reminder to any applicant to sign their documents. my @yahoo.com customer@yahoo.com Note: Applicant(s) will receive a validation code via . This is needed to enter the signing room and complete document signing. When e-signing is completed, signed copies are ed to all parties. Esign - In Office Signing Click here to sign documents and view status. Status must show Completed before moving on to the next signer. Click to be directed to DocuSign to complete documents. cust @yahoo.com Wait seconds then refresh before going to next signer. Completed Click to view a full set of completed documents. 13

17 Complete Loan Documents Paper Documents Click to generate documents Click any of these buttons to review a copy of the document. Click the Review tab to view, download and print documents. Original documents need to be mailed to FFC prior to funding. Click Confirm and Generate to populate the print documents. A new window will open with the pre-populated documents to print. 14

18 Completing Hard Copy Forms Revolving Application John Smith 10/02/2012 Jane Smith 10/02/2012 Joe Dealer 10/02/ Complete Sale Information at the top. 2. If the customer/s want to set up ACH payments, complete the ACH box. See page 18 for ACH bonus details. 3. The Applicant, Co-Applicant and Dealer Representative must SIGN and DATE. (Full signatures required.) 4. Detach or print the disclosure section and give it to the Applicant. Note: the customer must be given 3 days to cancel from the application or contract date, whichever is LATER. See page 17 for state-specific restrictions. Print Form REVOLVING CREDIT CHARGE SLIP IN-HOME SALES SELLER BUYER Seller s Name: Johnson's Water Treatment Buyer s/co-buyer s Name: John Smith/ Jane Smith Address/City/State/Zip: 1111 Market St. Weston, WI Residence Address/City/State/Zip: 456 Pine Rd. Weston, WI Phone: Dealer #: Co-Buyer s Address/City/State/Zip (if different from above): The words Buyer, you, your, or yours refer to each person who signs this contract as a buyer or co-buyer. The words Seller, we, our, and us refer to the dealer who made the sale and any assignee currently holding the contract. We agree to sell and you agree to buy the goods described below in accordance with all terms on both sides and all pages of this contract. DESCRIPTION OF GOODS OR SERVICES PURCHASED: Water Treatment System ITEMIZATION OF AMOUNT FINANCED $5, Cash Price $ + Sales Tax $ $ Cash Down Payment $ $ Trade-in $ $0.00 = AMOUNT FINANCED $ $5, Minimum Monthly Payment: % (see Revolving Credit Agreement for full description). Date of Sale: Oct 5, 2012 PROMOTIONAL SALES ONLY: 6 Mos. Same-as-Cash. No interest if paid in full in 6 mos. If the balance is not paid in full in mos., interest will be imposed from the date of contract at a rate of %. Interest Rate Reduction. The purchase APR disclosed on your Revolving Credit Agreement will be reduced to % for this sale only. Deferred First Payment. The first payment on your account is deferred for 90 days. Interest accrues from day 1 and is not waived. BUYER S RIGHT TO CANCEL: You, the buyer, may cancel this agreement at any time prior to midnight of the third business day (5 th in Alaska) after the transaction. See the accompanying notice of cancellation form for an explanation of this right. NOTICE TO BUYER: (1) Do not sign this Agreement before you read it or if it contains blank spaces to be filled in. (2) You are entitled to a completely filled-in copy of this Agreement. (3) You can prepay the full amount due under this Agreement at any time. (4) If you desire to pay off in advance the full amount due, the amount which is outstanding will be furnished upon request. You acknowledge receiving a completed copy of this Sales Slip which is part of and in accordance with the terms of your Revolving Credit Sales Agreement. BUYER acknowledges reading both sides of this contract and receiving a signed, dated and completely filled-in copy on the date executed and that Seller orally explained the buyer s right to cancel. John Smith X Date X Date Buyer Signature Co-Buyer Signature KEEP THIS CONTRACT TO PROTECT YOUR LEGAL RIGHTS. THIS INSTRUMENT IS NOT NEGOTIABLE. THIS REVOLVING CREDIT CHARGE SLIP IS PART OF AND SUBJECT TO THE TERMS OF YOUR REVOLVING CREDIT AGREEMENT AND DISCLOSURE STATEMENT. NO LIABILITY, PERSONAL OR PROPERTY INSURANCE COVERAGE IS PROVIDED TO BORROWER UNDER THIS CONTRACT. SEE REVERSE FOR STATE NOTICES AND OTHER IMPORTANT CONTRACT TERMS. HI, NY and WA Buyers must sign on the reverse side. Assignment to FOUNDATION FINANCE COMPANY (Foundation First Funding in NY,OK; Foundation Credit Company in NE). DEALER HEREBY ASSIGNS ALL OF ITS RIGHTS, TITLE AND INTEREST IN THE REVOLVING CREDIT SALES AGREEMENT AND REVOLVING CREDIT CHARGE SLIP TO FOUNDATION FINANCE COMPANY WITHOUT RECOURSE EXCEPT AS PROVIDED IN THE DEALER AGREEMENT IN EFFECT BETWEEN DEALER AND FOUNDATION FINANCE COMPANY. DEALER MAY ONLY ASSIGN THE REVOLVING CREDIT SALES AGREEMENT AND REVOLVING CREDIT CHARGE SLIP TO FOUNDATION FINANCE COMPANY. Dealer Name: Johnson's Water Treatment Joe Dealer Joe Dealer 10/02/2012 Jane Smith By: (Authorized Signature) Title: 10/02/ /02/2012 Sales Manager Name: (Print Name of Signer) Date: Revolving Contract 1. Fill in the Seller and Buyer information. 2. Fill in the Description of Goods, Itemization of Amount Financed, Loan Payment Factor and the Date of the Sale. Payment factor box under #2. (if there's a down payment, it must be disclosed.) Fill in only the payment factor percent here, not a dollar amount. Use 2.0% (or whatever payment factor percent you have selected). 3. For Promotional Sales only, fill in the Promotion information. 4. The Buyers must SIGN and DATE. (Full signatures required) 5. Watch for any state-specific signatures required on the front or the reverse. Make sure you are using the appropriate form for the customer s state of residence. CHECK THE FOOTER 15 Foundation Finance Company,700 Eagle Nest Blvd, Rothschild, WI All states except DE,MA,MI,NJ,PA,RI,VT Pg 1 of 2 RCCS-GN Rev (Foundation First Funding in NY,OK; Foundation Credit Company in NE)

19 Completing Hard Copy Forms Installment Application 1. Complete Sale Information at the top. 2. If the customer/s want to set up ACH payments, complete the ACH box. See page 18 for ACH bonus details. 3. The Applicant, Co-Applicant and Dealer Representative must SIGN & DATE. (Full signatures required) John Smith Jane Smith Joe Dealer 10/02/ /02/ /02/2012 Note: the customer must be given 3 days to cancel from the application or contract date, whichever is LATER. See pages 17 for state-specific restrictions. Joe Dealer Installment Contract 1. Fill in Seller and Buyer Information. Dealer must sign on the Dealer's signature line. 2. Fill in Description of Goods and Itemization of Amount Financed. (Down payment must be disclosed.) 3. Complete the Truth in Lending Section (see instructions below). 4. Fill in any Promotional Sale Information. 5. Complete the When Payments Are Due section. 5. The Buyer/s must SIGN and DATE. Watch for any additional STATE SPECIFIC signatures required on the front or the reverse of the Contract. (Full signatures required.) 7. Dealer must SIGN the Assignment box. (on the back of the contract or on page 2 of contract.) John Smith Jane Smith 10/02/ /02/2012 Make sure you are using the correct state form check the footer. TRUTH-IN-LENDING 1. Fill in Amount Financed, APR and Number of Payments Payment Amount = Amount Financed X Payment Factor (do not round up. e.g. $ = $150.98) Total of Payments = Payment Amount X Number of Payments Finance Charge = Total of Payments Amount Financed Total Sales Price = Total of Payments + Down Payment (if any) 2. Payments Beginning Date days from Date Executed for Standard or SAC (same-as-cash with payment) plans - 3, 6 or 12 months from Date Executed for DEF or DEFSAC (same-as-cash with deferred payment) plans *Payment factor sheet can be found on pages

20 Completing Hard Copy Forms John Smith Jane Smith Notice of Cancellation 1. Buyers must SIGN at the top. (Full signatures required) Home Improvement- fill in all 4 sections of the NOC. Water Treatment- fill in the top 2 sections. (though you can complete all 4, if desired) MAKE SURE THE CUSTOMERS DO NOT SIGN THE I HEREBY CANCEL LINE. 2. Fill in the Date of Transaction. 3. Fill in the Dealer Name & Address 4. Fill in the Cancellation Date. - Skip the day the customer is signing. Count 3 business days. That 3rd day is the date to list. See below for additional exclusion requirements. Dates to Exclude When Calculating Notice of Cancellation Dates Federal Holidays: New Year's Day Martin Luther King Jr. Day Washington's Birthday Independence Day Labor Day Columbus Day Veterans Day Thanksgiving Day Christmas Day Memorial Day SUNDAYS: No state may count Sundays as a business day. SATURDAYS: These states are prohibited from counting Saturdays as business days: DE, HI, IA, MI, MN, MO, OR, VT, WI STATE-SPECIFIC NOC REQUIREMENTS: North Dakota - If the customer's age is 65+, the NOC must be out 15 days Alaska The cancellation period is 5 business days Maryland - The cancellation period must be dated 5 business days after the loan date and 7 days if the customer is over 65 CALIFORNIA: The Loan Completion Certificate must be dated AFTER the Notice of Cancellation has expired. CA law requires dealers to wait on installs until after the cancellation period expires. 17

21 Completing Hard Copy Forms John Smith Jane Smith 10/06/2012 Loan Completion Certificate 1. Fill in the Dealer Name. 2. Fill in the Date of Sale. 3. Fill in the Installation/Delivery Address. 4. Buyer/s and Dealer must SIGN and DATE. On a joint application, only one customer needs to sign this form. All other forms require joint signatures. Note: This form should not be signed until all work has been performed or all products delivered. Full signatures required. CALIFORNIA DEALERS: The Loan Completion Certificate must be dated AFTER the Notice of Cancellation has expired. CA law requires dealers to wait until AFTER the expiration of the 3 day right-to-cancel before installation may occur. Optional Automatic Payment Deduction ACH BONUS: If the customer/s want to set up ACH payments, complete the ACH box. You can earn an extra 1% bonus on Tier 1 and Tier 2 customers or a 2.5% bonus on Tier 3 customers. *Valid info must be provided and the customer must confirm the info on our verification call. *For some promotional programs, Dealer cannot receive ACH bonus. 18

22 Closed End Payment Factors & APRs Based on the program selection, the payment factor is used to calculate the customer's monthly payment amount. For handwritten documents, the APR may not match the program selection rate. Please use the APR from the chart below. Payment Factors APRs for Documents Standard Loan (No Promotion) Standard Program Rate 12 mo 24 mo 36 mo 48 mo 60 mo 72 mo 84 mo 96 mo 108 mo 120 mo Rate APR for Docs 17.99% % 17.99% 15.99% % 15.99% 13.50% % 13.50% 11.90% % 11.90% 10.90% % 10.90% 9.90% % 9.90% 8.90% % 8.90% 7.90% % 7.90% 5.90% % 5.90% 3MODEF (3 Months Defferred Payments Only) 3MODEF Program (3 Months Deferred Payments Only) Rate 12 mo 24 mo 36 mo 48 mo 60 mo 72 mo 84 mo 96 mo 108 mo 120 mo Rate APR for Docs 17.99% % 17.99% 15.99% % 15.99% 13.50% % 13.50% 11.90% % 11.90% 10.90% % 10.90% 9.90% % 9.90% 8.90% % 8.90% 7.90% % 7.90% 5.90% % 5.90% 6MODEFSAC (6 Months Same-As-Cash with Deferred Payments) 6MODEFSAC Program (6 Months Same-As-Cash with Deferred Payments) Rate 12 mo 24 mo 36 mo 48 mo 60 mo 72 mo 84 mo 96 mo 108 mo 120 mo Rate APR (12 Month Term) APR (All other Terms) 17.99% % 17.58% 17.65% 15.99% % 15.68% 15.74% 13.50% % 13.28% 13.33% 11.90% % 11.74% 11.77% 10.90% % 10.77% 10.80% 9.90% % 9.79% 9.82% 8.90% % 8.82% 8.84% 7.90% % 7.84% 7.86% 5.90% % 5.87% 5.88% 12MODEFSAC (12 Months Same-As-Cash with Deferred Payments) 12MODEFSAC Program (12 Months Same-As-Cash with Deferred Payments) Rate 12 mo 24 mo 36 mo 48 mo 60 mo 72 mo 84 mo 96 mo 108 mo 120 mo Rate APR (12 Month Term) APR (All other Terms) 17.99% % 16.87% 17.01% 15.99% % 15.11% 15.23% 13.50% % 12.88% 12.97% 11.90% % 11.42% 11.50% 10.90% % 10.50% 10.57% 9.90% % 9.58% 9.63% 8.90% % 8.64% 8.69% 7.90% % 7.70% 7.74% 5.90% % 5.79% 5.81% *For APRs and payment factors for loans in Arkansas and/or Vermont - please call the office 19

23 Closed End Payment Factors & APRs Based on the program selection, the payment factor is used to calculate the customer's monthly payment amount. For handwritten documents, the APR may not match the program selection rate. Please use the APR from the chart below. Payment Factors APRs for Documents 6MOSAC (6 Months Same-As-Cash with Payments) 6MOSAC (6 Months Same-As-Cash with Payments) Rate 12 mo 24 mo 36 mo 48 mo 60 mo 72 mo 84 mo 96 mo 108 mo 120 mo Rate APR (12 Month Term) APR (All other Terms) 17.99% % 17.37% 17.65% 15.99% % 15.51% 15.75% 13.50% % 13.16% 13.35% 11.90% % 11.65% 11.80% 10.90% % 10.69% 10.82% 9.90% % 9.73% 9.84% 8.90% % 8.77% 8.86% 7.90% % 7.80% 7.87% 5.90% % 5.85% 5.89% 12MOSAC (12 Months Same-As-Cash with Payments) 12MOSAC (12 Months Same-As-Cash with Payments) Rate 12 mo 24 mo 36 mo 48 mo 60 mo 72 mo 84 mo 96 mo 108 mo 120 mo Rate APR (24 Month Term) APR (All other Terms) 17.99% % 16.57% 16.89% 15.99% % 14.88% 15.15% 13.50% % 12.72% 12.93% 11.90% % 11.31% 11.47% 10.90% % 10.41% 10.55% 9.90% % 9.50% 9.62% 8.90% % 8.58% 8.68% 7.90% % 7.65% 7.73% 5.90% % 5.77% 5.81% 18MOSAC (18 Months Same-As-Cash with Payments) 18MOSAC (18 Months Same-As-Cash with Payments) Rate 12 mo 24 mo 36 mo 48 mo 60 mo 72 mo 84 mo 96 mo 108 mo 120 mo Rate APR (24 Month Term) APR (36 Month Term) APR (All other Terms) 17.99% % 15.41% 15.76% 16.08% 15.99% % 13.94% 14.24% 14.50% 13.50% % 12.03% 12.27% 12.48% 11.90% % 10.76% 10.95% 11.13% 10.90% % 9.94% 10.11% 10.27% 9.90% % 9.11% 9.25% 9.39% 8.90% % 8.27% 8.38% 8.50% 7.90% % 7.40% 7.50% 7.59% 5.90% % 5.63% 5.68% 5.74% 24MOSAC (24 Months Same-As-Cash with Payments) 24MOSAC (24 Months Same-As-Cash with Payments) Rate 12 mo 24 mo 36 mo 48 mo 60 mo 72 mo 84 mo 96 mo 108 mo 120 mo Rate APR (36 Month Term) APR (48 Month Term) APR (All other Terms) 17.99% % 14.72% 14.98% 15.23% 15.99% % 13.39% 13.61% 13.84% 13.50% % 11.63% 11.82% 12.01% 11.90% % 10.45% 10.60% 10.77% 10.90% % 9.68% 9.82% 9.96% 9.90% % 8.89% 9.01% 9.14% 8.90% % 8.09% 8.19% 8.30% 7.90% % 7.26% 7.34% 7.44% 5.90% % 5.55% 5.60% 5.66% *For APRs and payment factors for loans in Arkansas and/or Vermont - please call the office 20

24 Loan Completion Certificate If the Loan Completion Certificate is not generated with the initial set of loan documents, you can print or send electronically right from the Decision - Summary tab. Once inside the application, navigate to the Decision and Summary tab. Choose the completion date and click save to begin generating the Loan Completion Certificate. E-Sign for the LCC only can be selected even if paper documents were generated previously. Select the signing option View pages for additional e-signing instructions. 21

25 Upload Documents Use the Review tab to upload documentation to a customer's account. Click the plus sign to add a new document. Choose what type of document you are uploading. Fill in the name and description of the document. Click Browse to locate the file to upload. If the document will satisfy a stipulation, select "Stipulation Attachment" then select the correct stipulation. Select Save to upload the document to the account. Click the red garbage can to delete any document. 22

26 Customer Notes Click to access the notes on the account. Make an internal note on the account. Send a note to FFC. Click to view a summary of all notes. Search for notes by any of these criteria. Print a record of all notes. 23

27 Reports Click the plus sign to generate a new report. Download your report details as.csv or.xls. Choose the type of report to generate. Choose the date range for your report. Select the scope of your report. Click Generate to run the report. Check Generate PDF to process a PDF of your report. 24

28 Setup Foundation Finance creates your admin user at the time of dealer setup. You can create additional users as needed. Click the plus circle to add a new user. To setup and manage users, click the "red person" circle button. Dealer Admin: Full access to view application and funding data. Complete the user profile for your employee. Dealer Sales: Restricted to see only applications they submitted. Select "Work Queue - My Apps" for the landing page You can restrict days/times of access for users if you'd like. If you don't have any restrictions for the user, you can leave blank. Users will get two s with account login setup information. See the following page for examples. 25

29 User Login Setup s 1 John Smith DecisionLender user information s will be sent from this address. Add the address to your contacts to be sure not to miss your login details jsmith The link provided in your will be to the live DecisionLender site. Be sure to bookmark it to reference it easily. 2 John Smith You will be prompted to change your password upon signing in to DecisionLender for the first time. 26

30 Support The Support tab contains helpful training resources and videos. FFC specific information will be on the Client tab. Training videos and manuals at your fingertips for help on executing key functions with DecisionLender. 27

31 Decision Launchpad Link Foundation Finance can create a custom link that you place on your website to allow customers to securely apply for credit. Applications submitted through this custom link will be transmitted directly to Foundation Finance and updated into your secure DecisionLender portal so you may access them later. Here's how it works: 1. FFC will create and send you a custom link. The application form is the same basic form used by dealers entering applications online through DecisionLender. 2. The link may be placed on your website by your web developer wherever it makes most sense for you. Foundation Finance is unable to help with this as we do not have access to your website back-end. Your developer may choose to use the link with an image/button ("Financing Available Apply Now" or something similar) or you may use one of our sample images. Your developer may wish to place the application link in an i-frame to keep your site design consistent. 3. We will process the application, send you a decision and update the information in your DecisionLender portal. THE CUSTOMER DOES NOT RECEIVE ANY APPROVAL INFORMATION DIRECTLY FROM FFC. It will be up to you, based on the decision, to decide whether or not to proceed, what terms to offer, etc. You will need to contact the customer to do this. Customer contact information can be found in DecisionLender. The loan document process remains the same as usual. That's all there is to it! This is just another option for our dealers to promote financing on their websites and simplify the customer application process. We are still happy to take applications by phone, fax/ or from you through your DecisionLender portal. Contact Dealer Support at ext or sales@foundationfinance.com to get your Decision Launchpad Link. 28

32 DEALER SUPPORT TEAM ext