Client Registration 6103 W. Montrose Avenue, Chicago, IL 60634 p: 773.647.1992 f: 773.751.5057 www.eValuationZONE.com INTEGRATION WITH LOAN ORIGINATION SYSTEMS A crucial part of the mortgage loan application is the appraisal of the borrower’s prospective property. Managing this process without the proper tools within your organization can become labor intensive and inefficient. eValuation ZONE’s appraisal management tools help fill this gap with your organization. Our system allows you to manage this process from beginning to end with appraisal order placement, assignment, fulfillment and deliver of the finalized appraisal in one efficient platform. Streamlining daily business practices is one of the top productivity items every company faces. The ability to allow employees to work more efficiently is something executives and decision makers match to bottom line ROI. And, like every company in the market today, we are all keeping account of everything that affects our customer’s bottom line. Now, eValuation ZONE has taken our solution to the next level by integrating with Loan Origination Systems (LOS). Seamless integrations allow our joint customer users the ability to manage more of the loan process in a single solution – allowing them to handle their own work load in a more efficient manner. We are proud to present the LOS systems eVal has integrated with: For more information about these integrations, Call Sales at 773.647.1992 6103 W. Montrose Avenue, Chicago, IL 60634 p: 773.647.1992 f: 773.751.5057 www.eValuationZONE.com APPRAISAL SERVICES About eValuation ZONE eValuation ZONE, Inc, is a leading provider of real estate valuations for the mortgage lending marketplace. We perform the administrative functions involved in the appraisal ordering, tracking, and delivery process which brings a centralized appraisal solution to mortgage lending institutions. Our staff manages a national network of certified appraisers to meet our client’s aggressive deadline and quick turn-times for all appraisals nationwide. eValuation ZONE staff, on average, have over 10 years experience in the business and combined knowledge base of over 100 years experience in addition to a proven track record of reducing lender turn time, efforts, and costs in managing the appraisal process. The evolution of the appraisal process through regulation and technology has made eValuation ZONE a leader in the industry today. eValuation ZONE has been at the forefront conducting business by the same standards and guidelines promoted in the HVCC and Mortgagee Letter 2009-28 for nearly a decade. eValuation ZONE (eVal) is currently leading the charge with Uniform Collateral Data Portal, aka UCDP, transmission of your appraisal files directly to Fannie Mae and / or Freddie Mac through our secure portal. Appraisal Solutions As a client of eVal you will be provided a login for our client portal. The portal provides you the tools needed to place, track and update orders. We have outlined the simple 6 step process to illustrate the benefits of working with eVal. • Order Process • Assignment Process • Tracking • Review • Delivery • Accounting Order Process eVal supports multiple methods for receiving orders from our clients. • Client log-in: Online portal allows lenders to enter the orders via website through a customizable online order form. • Manual entry from faxed or e-mailed orders: Can be added via the order entry screen. • Loan origination software integration: The platform supports multiple LOS systems including Caylx, allowing for direct submission of orders. • Bulk import: Provides a solution for importing numerous orders via comma separated value format (.csv) or Excel with the option of automatic assignment. • Custom implementation: If you have a proprietary ordering system, our support team will work with you to function with our system eliminating double entry. 6103 W. Montrose Avenue, Chicago, IL 60634 p: 773.647.1992 f: 773.751.5057 www.eValuationZONE.com APPRAISAL SERVICES The Assignment Process The assignment process is crucial in providing an unbiased and efficient method to distribute orders fairly across the vendors. The various categories for optimal assignment include: coverage area, licensing, skill levels, location and price, workload, past performance and quality ratings. eVal offers a range of comprehensive solutions for HVCC and Mortgagee Letter 2009-28 compliance to fit the specific requirements of your business: • Smart Assist: Manual selection through an interface, which provides the appraiser’s capacity, rank, score and fees allowing the best appraiser for a specific order to be chosen. • Automated assignment: Based on customized key criteria, the system can automatically distribute orders on an unbiased rotational basis. • Broadcast assignment: Our system has the ability to submit an order request to an unlimited amount of vendors who qualify for a specific assignment, resulting in expedited turnaround times. • Dynamic special instruction support: This feature allows specific filters to be generated based on client, method of payment, or product to deliver additional attachments that provide special instruction to the appraiser about the specific assignment. • Bid assignment: This process, typically utilized in the commercial area, allows multiple appraisers to receive a request for bid based on turnaround and fee for any specific assignment. The resulting responses can be evaluated and selected thereby creating an engagement letter to complete the process. Tracking and Turn Time A key component to managing the appraisal process is the ability to effectively communicate with both the vendors and lenders promoting synergy in the relationship. Our online tools facilitate communication with both the vendors and clients to provide real-time access to information 24 hours a day, 7 days a week. The appraisers will contact the client within 24 hours of receiving the order and schedule an inspection within 3 business days. After inspection of the property the appraiser is expected to turn in the complete appraisal within 24 hours. The appraisal review by eValuation ZONE will be completed with 24 hours. The total turn time from order to receiving the final product is 5-7 days. • Customer service: It is crucial for staff members to immediately have information when corresponding with clients via e-mail or over the phone. Our system manages appraiser communication and ensures that this information is readily available. • Scheduling calendar: The online calendar provides instant access for both inspections and critical due dates for all active orders. • Online status: Clients are able to view active and requested orders through their personalized client portal. This provides both unlimited access to real-time information and the ability to communicate with the office in a secure environment. • Automated notification: The system automatically generates e-mail communications based on the lenders specific profile preferences, thereby limiting unnecessary messages. • Custom Reporting: eVal includes a wizard based report generator that allows specific field selection, groupings, and custom data filtering that can be automatically exported into Microsoft Excel. 6103 W. Montrose Avenue, Chicago, IL 60634 p: 773.647.1992 f: 773.751.5057 www.eValuationZONE.com APPRAISAL SERVICES Review The process of routing completed appraisals to the appropriate staff member and performing the quality control function is a critical aspect of the value added services we provide. • Appraisal receipt: Appraisers upload their reports via the online portal from the eVal website. • Automated PDF review: First generation PDFs for the URAR and Condo forms can be automatically reviewed based on an industry standard rule set, appraisal guidelines, and/or underwriting guidelines. Once analyzed, the appraisal can be accepted or rejected based on the appraisal product’s score. • Automated MISMO XML review: Should you require an XML format file, eVal can convert data from first-generation PDF to MISMO XML 2.6 GSE format, check for compliance with the uniform appraisal dataset (UAD), and deliver the appraisal file via the Global Kinex delivery system on your behalf. • Reviewer portal: Internal or external reviewers manage their workload and score the appraiser based on product and performance. • Online reviewer forms: Various online review forms are provided to ensure a seamless workflow and consistent product valuations. Delivery The customized delivery process ensured by our system allows for managing the clients delivery preferences and ensuring the proper fulfillment. • Hard copy: We track requests for a hard copy delivery, number of copies and the management of the client’s preferred shipping vendor. In addition, we provide storage for account information. • Electronic Delivery: eVal is an eService provider, which supports all the industry delivery standards including ACI, Lighthouse, PDF, AI Ready, and MISMO XML. • Universal portal integration, UPI: eVal integrates with major industry portals providing a seamless solution to receive orders, communicate status, and deliver the final product. • Uniform Collateral Data Portal, UCDP: eVal provides seamless integration to the Uniform Collateral Data Portal (UCDP). We utilize a proprietary conversion process to validate and convert the Base 64-encoded PDF within the MISMO XML file, ensuring identical information between both files. eVal then validates your appraisal allowing you to have 100% confidence in delivery and acceptance of your appraisal. • Long term storage: eVal adheres to USPAP’s 5 year file storage requirements. 6103 W. Montrose Avenue, Chicago, IL 60634 p: 773.647.1992 f: 773.751.5057 www.eValuationZONE.com APPRAISAL SERVICES Accounting Our system provides a method to manage both account payables and receivables. Establishing a seamless professional relationship with our vendors ensures high quality and timely appraisals for our clients. • Automated invoicing: We can automatically e-mail or fax invoices in either HTML or PDF format based on client’s preference. • Online statements: An online portal provides clients the ability to view outstanding receivables and print invoices at their convenience. • Credit card processing: eVal provides the ability to directly integrate four gateways, which include Linkpoint, Authorize.net, Transaction Central, and PayPal. This provides automated processing, and instant receivables updates based on approved transactions. • Accounts receivable: Our system tracks all unpaid accounts that are viewable in individual reports or client statements and allows for receipt of check payments for single and multiple orders. • Accounts payable: eVal has the tools to pay vendors based on a billing cycle or of payments received by the lender. Payment reports can be run for any date range and allows for record keeping on all payments that have been processed. 6103 W. Montrose Avenue, Chicago, IL 60634 p: 773.647.1992 f: 773.751.5057 www.eValuationZONE.com APPRAISAL MANAGEMENT SERVICE AGREEMENT This agreement, by and between eValuation ZONE, Inc. (“eVal”) and the undersigned entity (the "Client") shall be effective as of the date it is signed below and shall remain in full force and effect as outlined by the terms contained herein. Client hereby warrants and represents that it is in the business of mortgage lending and that it desires to enter into a contract for service with eVal for the purpose of subscribing to eVal's real estate appraisal management services (hereinafter referred to as "Services"). eVal hereby certifies that it is in the business of providing the Services to its mortgage lending customers through its nationwide network of affiliated appraisers. Scope of Services eValuation ZONE, Inc. shall provide Client with an appraisal order gateway for submission of new appraisal orders for fulfillment by eVal’s network of affiliated appraisers. eVal shall be responsible for all communication and coordination efforts relating to each appraisal order placed by Client and shall act as the intermediary between Client's borrower and the selected appraiser. eVal shall be solely responsible for the selection of the end line appraiser by which each order shall be fulfilled. eVal shall further perform a desktop quality control review for recognition and correction of any errors and inconsistencies on each completed appraisal report prior to delivery of such appraisal reports to Client. eVal Certifications eValuation ZONE, Inc. hereby certifies that it shall, at all times during the effective term of this Agreement, ensure it maintains the necessary processes and procedures to facilitate Client's compliance with the requirements of the Home Valuation Code of Conduct ("HVCC") for all appraisal orders placed for fulfillment with eValuation ZONE. However, Client hereby certifies that it understands such compliance may be deemed ineffective should Client, its employees, representatives and/or agents, fail to maintain proper adherence to the terms of the HVCC and that in such instances, eVal makes no certification, warranty or representation of Client's compliance with such requirements. Based on the foregoing, Client hereby certifies that it shall maintain adequate policies and procedures to ensure its employees, representatives and/or agents maintain full compliance with the terms of the HVCC on all orders placed through eVal for fulfillment. eVal certifies that it shall maintain a written set of policies and procedures which, in part, outline its requirements toward maintaining appraiser independence as described in the HVCC. Each of eValuation ZONE’s staff members are adequately oriented to the requirements of the HVCC as well as any requirements set forth by other applicable regulatory agencies governing residential property valuation guidelines. Staff members also receive ongoing training on compliance with such requirements and any varying interpretations thereof. eVal further certifies that, throughout the active term of this Agreement, it shall further ensure it maintains all policies and procedures necessary to track, report and subsequently discipline any individual who violates any term of its policies and procedures and/or any provision of the HVCC, as amended. Client understands that the regulatory environment changes rapidly, and eVal may be required to update procedures and practices from time to time, as such eVal agrees to provide written notification of changes. Client may opt to submit a panel of approved appraisers in adherence with the terms of the HVCC to be credentialed by eValuation ZONE for inclusion in a blind rotation for order assignment. eVal will program such appraisers and if preferred by client add in 6103 W. Montrose Avenue, Chicago, IL 60634 p: 773.647.1992 f: 773.751.5057 www.eValuationZONE.com APPRAISAL MANAGEMENT SERVICE AGREEMENT additional appraisers to create the “Client Panel”. Client may also opt to use eVal’s appraisal panel, such panel will be referred to as “eVal Panel”. Pricing Client agrees to pay for all Services ordered in accordance with eValuation ZONE’s pricing in effect from time to time. Client understands that appraisal orders that are abnormally complex or that may require greater than normal travel distances may require an extra fee. In such cases eVal agrees to notify Client and receive approval for the increased fee. An account is delinquent if not paid in full within thirty (30) days after the billing statement date. Client agrees to pay a late charge of one and one-half percent (1.5%) or ten dollars ($10.00), whichever is greater, per month on the delinquent account until paid in full. Fees are not refundable. eValuation ZONE may suspend or terminate access to the appraisal order gateway and shall cease to provide appraisal services hereunder until amounts owed by Client have been paid in full. Term Client hereby agrees to utilize the Services for an evaluation period of sixty (60) days from the effective date of this Agreement. Unless Client provides written notification to eValuation ZONE of its intent to cancel this Agreement prior to the expiration of the evaluation period, Client hereby agrees to use eValuationZONE, Inc as a provider of the Services for a period of two (2) years following the expiration of such evaluation period. Upon expiration of the initial term, the term shall automatically renew and continue in full force and effect for successive periods of one (1) year thereafter unless Client provides notice in writing to eVal no less than sixty (60) days prior to the renewal date of its intent to terminate the Agreement. eVal reserves the right to immediately terminate this Agreement in the event that eVal determines, in its sole discretion, that any part of this agreement or vendor/vendee relationship is in violation of any law. No verbal agreements and/or representations shall take precedence over the requirements of this section. Indemnification Client shall indemnify and hold harmless eValuation ZONE, Inc, its affiliated corporations, all officers, directors, agents and employees from and against any and all liability, losses, claims, damages, and expenses caused by any service interruption and but not limited to, attorney fees and court costs arising from or in any way connected with any breach by Client of any representation, warranty, covenant, or agreement herein including, without limitation any improper publication or disclosure or other misuse of any actions by any subject or any other third party in connection with the Services. eVal may cease providing the Services at will. Client understands that the accuracy of each appraisal shall be based on the originating appraiser's independent and uninfluenced evaluation of the subject property and comparable market data available at the time of placement of the appraisal order. As a result, Client understands that eVal makes no representations or warranties, nor does it have any influence over, the overall accuracy of the resulting appraised value. 6103 W. Montrose Avenue, Chicago, IL 60634 p: 773.647.1992 f: 773.751.5057 www.eValuationZONE.com APPRAISAL MANAGEMENT SERVICE AGREEMENT Gramm-Leach-Bliley Privacy Notice eValuation ZONE, Inc. recognizes its obligation to keep Client’s information secure and confidential, and certifies its compliance with the Gramm-Leach-Bliley Act to protect Client’s nonpublic information. eValuation ZONE’s collection of nonpublic information includes information Client supplies for the ordering of appraisals through eVal's online platform and, any information authorized by Client to collect. eVal does not disclose any of the above-described information about current and former customers to any third parties except as required by law, and/or if authorized by a customer. eVal has established internal policies and procedures that clearly outline the proper handling and maintenance of Client’s nonpublic information. This includes 1) Use of physical, electronic, and procedural controls, including physically secured areas and computer access controls, 2) assessment of systems’ integrity through auditing, monitoring and data management processes, 3) policies directing and limiting access of Client’s information, and 4) continual employee training on proper safety protocol in handling Client information. Enforcement Of Agreement Client shall pay all attorney fees, court costs, alternative dispute resolution fees, and collection costs incurred by eValuation ZONE, Inc. for collecting any delinquent account hereunder, whether or not litigation is instituted. In cases where Client’s account is referred to collection, Client shall also lose the benefit of any previously applied discounts and shall pay eVal its prevailing retail rates then in effect for the Services received by Client. The foregoing shall be in addition to any other recovery to which the prevailing party is entitled shall be paid. Client further agrees to pay for additional services requested and received through eVal whether or not expressly described by this Agreement. Pricing for such services will be outlined in the fee schedule published from time to time. Notices The waiver of one party of any covenant, condition, obligation, representation warranty or promise in this agreement shall not invalidate this Agreement or be deemed a waiver by such party of any other covenant, condition, obligation, representation, warranty or promise. The waiver by a party of the time for performing any act or condition hereunder does not constitute a waiver of the act or condition itself. The rights and remedies provided by each of the parties herein shall be cumulative and in addition to any other rights and remedies provided by law or contract. This Agreement may not be changed orally, but only by written notification by eValuation ZONE, Inc. If any provision of this Agreement adjudged illegal or invalid by a court of competent jurisdiction, such judgment shall not invalidate the remainder of the Agreement, which shall remain in full force and effect. All terms will be enforced to the greatest extent allowed by law. All exhibits attached to this Agreement are incorporated herein and constitute an integral part hereof. Client shall not assign its rights or obligations under this Agreement without the prior written consent of eVal. This Agreement shall be binding upon and inure to the benefit of the parties and their respective permitted successors and assigns. This Agreement will be governed by and construed in accordance with the laws of the State of Illinois, without giving effect to its conflicts of laws provisions. The parties to this Agreement consent to the exclusive jurisdiction and venue of the courts and alternative dispute forums located within Cook County, Chicago, Illinois, consent to service of process delivered 6103 W. Montrose Avenue, Chicago, IL 60634 p: 773.647.1992 f: 773.751.5057 www.eValuationZONE.com APPRAISAL MANAGEMENT SERVICE AGREEMENT therein, and waive any right to challenge such jurisdiction or venue. eValuation ZONE, Inc. may immediately terminate this Agreement upon notice to Client upon Client’s breach of any provision of this Agreement. eValuation ZONE, Inc. 6103 W. Montrose Avenue Chicago, IL 60634 Phone: 773.647.1992 General The waiver of one party of any covenant, condition, obligation, representation warranty or promise in this agreement shall not invalidate this Agreement or be deemed a waiver by such party of any other covenant, condition, obligation, representation, warranty or promise. The waiver by a party of the time for performing any act or condition hereunder does not constitute a waiver of the act or condition itself. The rights and remedies provided by each of the parties herein shall be cumulative and in addition to any other rights and remedies provided by law or contract. This Agreement may not be changed orally, but only by written notification by eValuation ZONE, Inc. If any provision of this Agreement adjudged illegal or invalid by a court of competent jurisdiction, such judgment shall not invalidate the remainder of the Agreement, which shall remain in full force and effect. All terms will be enforced to the greatest extent allowed by law. All exhibits attached to this Agreement are incorporated herein and constitute an integral part hereof. Client shall not assign its rights or obligations under this Agreement without the prior written consent of eVal. This Agreement shall be binding upon and inure to the benefit of the parties and their respective permitted successors and assigns. This Agreement will be governed by and construed in accordance with the laws of the State of Illinois, without giving effect to its conflicts of laws provisions. The parties to this Agreement consent to the exclusive jurisdiction and venue of the courts and alternative dispute forums located within Cook County, Chicago, Illinois, consent to service of process delivered therein, and waive any right to challenge such jurisdiction or venue. eValuation ZONE, Inc. may immediately terminate this Agreement upon notice to Client upon Client’s breach of any provision of this Agreement. ___________________________________ Company Name ______________________________ Print Name ___________________________________ Signature ______________________________ Date 6103 W. Montrose Avenue, Chicago, IL 60634 p: 773.647.1992 f: 773.751.5057 www.eValuationZONE.com EVALUATION ZONE’S STATEMENT ON COMPLIANCE & APPRAISER INDEPENDENCE On March 2nd, 2008, Fannie Mae and Freddie Mac entered into an agreement with the Office of Federal Housing Enterprise Oversight (OFHEO) and the New York Attorney General’s Office to help enhance the integrity of the home appraisal process. The end result is a document titled the Home Valuation Code of Conduct (HVCC). The HVCC went into effect on May 1st, 2009. Appraiser independence with respect to Mortgagee Letter 2009-28 went into effect on February 15th, 2010. The Appraiser Independence Requirements (AIR) was developed by Fannie Mae, the Federal Housing Finance Agency (FHFA), Freddie Mac, and key industry participants to replace the Home Valuation Code of Conduct (HVCC). This went into effect October 15, 2010. eValuation ZONE is in compliance with the Fannie Mae Appraiser Independence Requirements (AIR) formerly the HVCC and Part IV Federal Reserve System 12 CFR Part 226 Truth in Lending. The current regulations are law and require that our appraisers. eValuation Zone (eVal) has received calls from many of our lenders regarding the language within the Compliance Letter and if it will affect their relationship with our firm. eVal has spent a great deal of time analyzing AIR and HVCC and corresponding with Fannie Mae. It is our understanding that this document does not impact the relationship our firm currently has with any of our lenders. The AIR, HVCC, and Mortgagee Letter 2009-28 promotes stronger appraisal independence practices that most of our clients have already been adhering to for years. The evolution of the appraisal process through regulation and technology is what makes eVal a leader today. We are pleased to say that we have been in the forefront conducting business by many of the same guidelines promoted in the AIR, HVCC, and Mortgagee Letter 2009-28 for more than a decade. Please consider the following points: When you order an appraisal from eVal we do not let the lender choose the appraiser. This decision is made by our staff and is based on the appraiser who is most competent to perform the appraisal in regards to experience and geographic competency. We utilize a national network of certified licensed appraisers to meet our client's aggressive deadlines and quick turn-times for appraisals nationwide. Our dedicated appraisers are committed to quality and service. Since May 1st, 2009, no employee of a lender will be allowed to have direct contact with the appraiser assigned to the property. All information between the lender and the appraiser will be done via our staff or our website. We will monitor all correspondence on the website before forwarding it on to either party. We do not forward any correspondence to the appraiser regarding an estimate of value or the loan amount. The only value we will provide the appraiser is the sales price and contract when the assignment is for a purchase transaction. All of our appraisers are independent contractors who are paid based on a prearranged fee schedule. There are no additional incentives offered to the appraiser such as fees or additional workload based on their value conclusions. 6103 W. Montrose Avenue, Chicago, IL 60634 p: 773.647.1992 f: 773.751.5057 www.eValuationZONE.com EVALUATION ZONE’S STATEMENT ON COMPLIANCE & APPRAISER INDEPENDENCE • All appraisals are completed and signed by the appraiser only. Our firm performs a technical review for quality control purposes on every appraisal prior to delivery. • The AIR and HVCC allow lenders to continue to use appraisers and appraisal companies from their approved list of vendors • The terms of the AIR and HVCC only pertain to loans submitted to Fannie Mae and Freddie Mac. FHA loans are ordered and completed in compliance with Mortgagee Letter 2009-28 with appraiser independence. We are confident that our current practices and procedures will allow our lenders to be in full compliance with the AIR, HVCC, and Mortgagee Letter 2009-28. If you have any questions regarding the AIR, HVCC, and Mortgagee Letter 2009-28 or any of our other appraisal services, please contact our office at (773) 647-1992. Our large client base is not a result of soliciting lenders, but is due to referrals from real estate and lending professionals who have been satisfied with the quality and timeliness of our appraisal services in the past. eVal strives for the highest level of professionalism and customer service in today’s everchanging real estate industry. 6103 W. Montrose Avenue, Chicago, IL 60634 p: 773.647.1992 f: 773.751.5057 www.eValuationZONE.com CERTIFICATE OF COMPLIANCE & APPRAISER INDEPENDENCE Client: SAMPLE Order: SAMPLE Date: SAMPLE Borrower: SAMPLE Property Address: SAMPLE SAMPLE SAMPLE SAMPSAMPLE eValuation ZONE, Inc., an AMC, and independent third party appraisal company, certifies that the appraisal report was completed by an independent appraisal professional with complete non-influence and in compliance with the Fannie Mae Appraiser Independence Requirements (AIR), formerly Home Valuation Code of Conduct (HVCC) and Part IV Federal Reserve System 12 CFR Part 226 Truth in Lending (TIL) Regulation Z; (interim) Final Rule. x The appraisal was ordered through eVal’s secure proprietary on-line ordering system. This process is free of influence or attempt to influence the development, reporting, result, or review of an appraisal through coercion, extortion, collusion, compensation, instruction, inducement, intimidation, bribery or in any other manner. x The acquisition process maintains anonymity, whereas the mortgage origination firm is unaware of the appraisers’ identity until the time of final report delivery. Likewise, the appraiser is only provided with the originating firms name and address (for inclusion in the appraisal report) and is never provided to the loan officer, processor or any other originating personnel. x Appraiser selection was performed at the sole discretion of eValuation ZONE, Inc. The criteria for which includes availability, proximity to the subject property and historical quality and performance. eVal maintains the right to remove any appraiser from active status for substandard performance as allowed by AIR I.,B.(8)(9). x eValuation ZONE, Inc makes the extraordinary assumption that all sections of the AIR and Part IV Federal Reserve System 12 CFR Part 226 Truth in Lending (TIL); Finale Rule, pertaining to the lender/client relationship before, during, and after eValuation ZONE services, have been maintained. Any known AIR violations with result in non-certification and report to the state licensing authority. x eValuation ZONE certifies that the appraisal reports submitted comply with ownership and affiliation requirements as outlined in Regulation Z Sec. 226.42 Valuation independence, AIR and USPAP. eValuation ZONE has no ownership in any company/entity for which appraisal reports are procured and managed. x The appraiser has certified that the originating firm in no way influenced the objectivity of the appraisal process or the final valuation of the subject property. x No estimation regarding the subject’s property’s value, proposed loan amount, or proposed loan-to-value ratio, was provided or communicated by eVal to the appraiser. x For all FHA transactions, eVal provided the appraiser’s name and license number to receive the FHA case number from the lender/client. The lender is required to provide the borrower a copy of the appraisal and is not facilitated by eVal. A certified copy of the original appraisal report was transmitted electronically through a secure platform to the authorized assignee of the Lender/Client. The appraisal is intended for the client as specified in the report and may not be altered or changed. SAMPLE __________________ Inesa Tomaszewski President / CEO eValuation ZONE, Inc. 773-647-1992 www.eValuationZone.com SAMPLE 6103 W. Montrose Avenue, Chicago, IL 60634 p: 773.647.1992 f: 773.751.5057 www.eValuationZONE.com CLIENT REGISTRATION Thank you for your interest in partnering with eValuation ZONE, Inc. By completing and authorizing the registration information, you agree with the attached HVCC/Mortgagee Letter 2009-28 certificate, turn time, policies and procedures and pricing. Please complete this contact information form and we will supply you with personal user name(s) and password(s). Company Name: Address: City: Phone Number: State: Fax Number: Zip Code: Individuals ordering appraisals will be given secure user names and passwords. Users with manager capabilities will be able to see all open orders from your company, while standard users will only be able to view orders placed under their login. Information required for each user. First Name: Last Name: Direct Phone: Email address: Manager level: Standard User: First Name: Last Name: Direct Phone: Email address: Manager level: Standard User: First Name: Last Name: Direct Phone: Email address: Manager level: Standard User: Authorized Agent: Date: Send completed registration package to: [email protected] or fax to: 773-751-5057 6103 W. Montrose Avenue, Chicago, IL 60634 p: 773.647.1992 f: 773.751.5057 www.eValuationZONE.com
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