Feature Enhancements in Version 18.1.0.6 Server Patch 5

To conform to current compliance requirements, updates have been made to the verbiage on the eConsent agreement (the eDisclosure Agreement Form) that borrowers must review and accept before they can receive loan documents electronically. The updated version of the form is used on new loans created on or after April 7, 2018. Loans created prior to the April 7 update will continue to use the older version of the form.

This new version of the eConsent agreement will also be used with new loans created in earlier versions of Encompass including earlier releases of version 18.1 and 17.4.

The update affects the following bullet point on page 2 of the agreement.

Current bullet point:

• If the software or hardware requirements change in the future, and You are unable to continue receiving eDisclosures, paper copies of such Loan Documents will be mailed to You once You notify Us that You are no longer able to access the eDisclosures because of the changed requirements. We will use commercially reasonable efforts to notify You before such requirements change. If You choose to withdraw Your consent upon notification of the change, You will be able to do so without penalty.

Updated bullet point:

• If the software or hardware requirements change in the future, We will use commercially reasonable efforts to notify You of the change. If You choose to withdraw Your consent upon notification of the change, You will be able to do so without penalty. Paper copies of such Loan Documents will be mailed to You if You choose to withdraw Your consent.