Delivering Appraisals with UCDP FHAEAD Guide - bkfs.com Resource Center/Delivering... · Other Misc. Appraisal Doc PDF ... 2055 Exterior Only Inspection Resi dential Appraisal Report

DeliveringAppraisalswithUCDPand/orEADThis user guide is intended for clients that will use the RealEC Exchange to fulfill

appraisal orders.

4/4/2016

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April 8, 2016 — All rights reserved. All information is proprietary and confidential.

Copyright © 2016 Black Knight IP Holding Company, LLC.

Contents

Logging In to the RealEC Exchange 2

Options Menu 3

Delivering Appraisals with UCDP and/or EAD 4

Adding Order Fulfillment PDF & Data (RealEC Event 537) 6

Appendix A – UCDP & EAD Hard Stop Codes 14

Appendix B – Hard Stop Override Reason Codes 21

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LoggingIntotheRealECExchange

Log in to the RealEC Exchange with your Username and Password. Upon first login, user is prompted to

change password and set up security questions for future password resets.

https://Provider.RealECExchange.com

Password Guidelines

The password should meet the following requirements:

o Must be between 8‐20 alphanumeric characters

o Must not contain repeating characters

o Must contain at least one digit or special character

(Special characters are: `!@#&$%^*()_+{}:<>?‐=[]\;,./)

o Must contain an upper case character

o Must contain a lower case character

o Must not contain illegal characters

(Any character not specified in special characters is illegal character. Example: [Space]'|~")

o Must not contain username

Security Questions

User must pick a minimum of 6 Security Questions and Answers. Be sure to write them down for future

password resets.

Select questions from the dropdown and press the Add button.

o Each answer must be 4 characters or more

o Cannot pick same answer twice

o Cannot have same answer to multiple questions

o All questions chosen must have an answer

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OptionsMenu

The Options Menu is located in the upper right hand corner of the screen and allows the user to change

their password, change their security questions, access Release Notes and Training.

Change Password

User must successfully answer 3 Security Questions and enter their current password. New password

must follow the Password Guidelines above and cannot match previous 12 passwords.

Change Security Questions

User must enter their current password to change security questions.

Release Notes

Opens the Release Notes PDF in a new window.

Training

Opens the RealEC Training page in a new window. Access Training guides, job aids, videos and other

training documentation for the RealEC Exchange.

4



DeliveringAppraisalswithUCDPand/orEAD

When the Appraisal is complete, you will deliver the Appraisal PDF and Appraisal Data by sending Order Fulfillment PDF & Data (RealEC Event 537) Order Fulfillment PDF & Data (RealEC Event 537) will include:

Appraisal Invoice PDF and Data

Appraisal PDF

Appraisal Data (in one of the accepted formats below) o Mismo 2.6 o Mismo 2.6 GSE o ACI XML/.ACI o AI Ready XML

Misc. Appraisal Document PDFs required by Lender (optional)

NOTE:

Documents must have the required RealEC Document Type

Data Files must have the required RealEC Document Type

Appraisal Invoice should be the FIRST document uploaded

Document Type is required in order to differentiate between the various documents and data files. It is required for all documents and data files to select the appropriate value from the list below when uploading to the Order Fulfillment PDF & Data (RealEC Event 537).

Document Type DescriptionAppraisal PDF Appraisal PDFService Invoice Service InvoiceOther Misc. Appraisal Doc

PDFACI Appraisal Format ACI Appraisal File

(.ACI)AI Ready Appraisal AI Ready XML File Mismo GSE 2.6 MISMO GSE 2.6Mismo 2.6 MISMO 2.6

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Form Type is required to differentiate between the various Appraisal forms that can be

attached. It is required for all UCDP/EAD Appraisal Forms to be populated as listed below

within the Order Fulfillment PDF & Data (RealEC Event 537).

Form Type Description UCDP / FHA 1004 Uniform Residential Appraisal Report UCDP / FHA

1004C Manufactured Home Appraisal Report UCDP / FHA

1004D Appraisal Update and/or Completion Report FHA

1025 Small Residential Income Property Appraisal Report UCDP / FHA

1073 Individual Condominium Unit Appraisal Report UCDP / FHA

1075 Exterior Only Individual Condominium Unit Appraisal Report UCDP

2055 Exterior Only Inspection Residential Appraisal Report UCDP

2090 Individual Cooperative Interest Appraisal Report UCDP

2095 Exterior Only Individual Cooperative Interest Appraisal Report UCDP

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AddingOrderFulfillmentPDF&Data(RealECEvent537)From the Order Summary page, click Add New Event.

From the Add New Event

pop‐up, select event 537

Order Fulfillment PDF &

Data.

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Completing the

appraisal delivery is a

multi‐step process.

Step 1: Add the

Service Invoice ‐ Click

on Choose File to

select files from your

computer to add to

the event.

NOTE: Service Invoice

should be the first

document you upload

to the event.

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Step 2: Select your invoice from your

computer and click Open.

Step 3: Choose Service Invoice from the Document Type dropdown. Next, complete Creation Date and Status. Note: Creation Time will auto‐fill and only

needs to be adjusted for those clients that

monitor turn times.

Status should be Final.

Click the Upload button.

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Once the Upload button is clicked, the

Product Information section will appear.

Step 4: Complete the Invoice Amount,

Invoice Date and Invoice Number.

DO NOT CLICK THE SUBMIT EVENT BUTTON

at this time.

Step 5: Add Appraisal PDF and Appraisal

Data‐ Scroll back up to Select Document and

attach the remaining documents (Appraisal

Data, Appraisal PDF), then select the

appropriate Appraisal Document Type and

click Upload. Continue these steps until all 3

documents are uploaded:

Service Invoice Appraisal PDF Appraisal Data (see above for

accepted formats)

Note: Misc. Appraisal documents may be added to the event as well. Once all three required documents are uploaded and the Product Information section is completed, click Submit Event. Note: It can take several minutes for Event 537 to return results.

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Once the Order Fulfillment PDF & Data (RealEC Event 537) event is submitted, the appraisal information is evaluated to determine if the appraisal must be submitted to UCDP or EAD. Note: It can take several minutes for Event 537 to return results. If the appraisal does not require UCDP or EAD delivery, the following events will be delivered to the Lender:

If the appraisal does require delivery to UCDP or EAD, the appraisal data will first go through a Readiness Check to determine if it is ready for submission to UCDP/EAD. If the Readiness Check passes, RealEC will generate Readiness Check Passed (RealEC Event 6008). If the Readiness Check fails, Readiness Check Failed (RealEC Event 6007) and Evaluation Delivered (RealEC Event 754) will be returned. Note: The Appraisal must include the Lender’s FHA Case Number, or the appraisal data will be rejected and error will be returned ERROR: Required Customer Data Not Present (RealEC Event 1071).

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Evaluation Delivered (RealEC Event 754) will include an attached document outlining all appraisal items that must be corrected. Once corrections are completed, Order Fulfillment PDF & Data (RealEC Event 537) must be resubmitted. Files such as the service invoice and Appraisal data will need to be included on each resubmission. RealEC performs a Readiness Check on the resubmitted data. Example of FHA EAD Readiness Failure Report:

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Once Readiness Check is passed, RealEC will submit the Appraisal to UCDP or FHA EAD for evaluation. RealEC will generate either Findings Passed (RealEC Event 6058) or Findings Failed (RealEC Event 6057). If Findings Failed (RealEC Event 6057) is returned, the Provider will review Hard Stops and determine if they can be resolved. The Provider will determine if modifications require an update to the appraisal or an Override request. If updates are required to the appraisal, the Provider will resubmit the updated Appraisal PDF and Appraisal Data by resubmitting Order Fulfillment PDF & Data (RealEC Event 537). Note: Appraisal data and service invoice will need to be included on each resubmission. If appraisal findings are override eligible, the Provider will submit Findings Override Request (RealEC

Event 6050). From the Order Summary Page the provider will click Add Event and choose Findings

Override Request (RealEC Event 6050).

Some overrides require comments which should be included in Findings Override Request (RealEC Event

6050).

Once the Override Reason is selected and/or comments input the provider will submit the event. See hard stop codes in Appendix B and override codes in Appendix C.

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Once submitted to the portal the override request will be evaluated and Findings Passed (RealEC Event

6058) or Findings Failed (RealEC Event 6057) will be returned.

If the Provider determines Hard Stops cannot be resolved or overridden, the Provider will send Hard

Stops Unresolved (RealEC Event 6059).

The Provider will need to indicate in the comment section for each Hard Stop the reason that the Hard

Stop was not able to be resolved. Click the Submit Event button when done.

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AppendixA‐OrderFulfillmentPDF(RealECEvent538) If you do not have an appraisal data file, you will select Order Fulfillment PDF (RealEC Event 538) and upload a first generation PDF along with the service invoice and any other supplemental documents. RealEC will scrape the data and create a 537 event with the documents delivered by the Provider including:

o Service Invoice o Appraisal PDF o Data file created by RealEC o Misc. Documents

If RealEC is unable to scrape the data to create the 537 event, you will see Appraisal PDF Conversion

Failed (RealEC Event 6001) returned. Example of cause would be if you did not upload a first generation

PDF.

NOTE: This is a configurable feature associated with an additional cost. Please contact RealEC for more

information.

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AppendixB–UCDPandEADHardStopCodesThe table below lists the UCDP Hard Stop codes, their descriptions and if they are override

eligible:

Hard Stop Code

Hard Stop Description

Override Allowed

100 Appraisal Value is missing or provided in an invalid format N

101 Appraisal Value is less than $5,000 Y

102 Appraisal Value is less than OR equal to $ 0 N

200 Missing appraiser license information N

202 Unmatched appraiser license information Auto *

203 Appraiser license is suspended in the ASC database Auto *

204 Appraiser license is suspended in the ASC database Auto *

210 Missing supervisory appraiser license information

N

212 Unmatched supervisory appraiser license information Auto *

213 supervisory appraiser license is suspended in the ASC database Auto *

214 supervisory appraiser license is suspended in the ASC database Auto *

300 Missing subject address N

302 Unknown subject address Y

303 Invalid address: unit number required Y

401 UAD compliance check failure (one or more fatal) N

402 UAD compliance check failure (warnings only) Auto *

9000 Invalid submission: File too large N

9001 Appraiser data in invalid format: PDF for conversion is not a PDF N

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Hard Stop Code


Override Allowed

9001 Appraisal data in invalid format: Appraisal file deleted or renamed prior to submission

N

9001 Appraisal data in invalid format: XML is not well formed N

9001 Appraisal data in invalid format: XML contains non-UTF8 characters N

9001 Appraisal data in invalid format: XML file type cannot be auto-detected N

9001 Appraisal data in invalid format: XML file does not match the specified format and form

N

9001 Appraisal data in invalid format: XSD check failure N

9002 Unable to convert PDF file N

9003 PDF not included in XML submission N

9004 PDF conversion not allowed N

FNM0000 There are one or more Fannie Mae Findings Auto*

FNM0083 The sales contract was not analyzed. Yes

FNM0084 No comment on market conditions despite trends. Yes

FNM0085 Less than three settled sales were used as comparables. Yes

FNM0086 Research of prior sale was not performed. Yes

FNM0087 Research of prior sale was not performed. Yes

FNM0092 State certification is not provided on transaction amount greater than $1 million. Yes

FNM0093 Appraiser license state does not match subject property state. Yes

FNM0094 Supervisor license state does not match subject property state. Yes

FNM0096 Illegal zoning compliance indicated. Yes

FNM0097 Illegal zoning compliance indicated. Yes

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Hard Stop Code


Override Allowed

FNM0098 The present use is not indicated as highest and best use. Yes

FNM0099 The present use is not indicated as highest and best use. Yes

FNM0101 The subject property may be a hotel/motel or condo hotel. Yes

FNM0102

The subject property is in a condominium project that may be ineligible for

delivery to Fannie Mae. Yes

FNM0174 Project name may be a condo hotel. Yes

FNM0176 Subject property has legal non‐conforming zoning and cannot be rebuilt. Yes

FNM0179 Subject property has a C6 condition rating. Yes

FNM0193 100 % of this appraiser's work will be reviewed. Yes

FNM0194 100% of this supervisory appraiser's work will be reviewed. Yes

FNM0195 Fannie Mae will not accept appraisals from this appraiser. Yes

FNM0196 Fannie Mae will not accept appraisals from this supervisory appraiser. Yes

FRE700 Freddie Mac Findings (one or more fatal) No

* Automatic Override by UCDP or EAD

The table below lists the EAD Hard Stop codes, their descriptions and if they are override

eligible:

Code Hard Stop Description Override Allowed

100 Appraised value is missing or provided in an invalid format N

101 Appraised value is less than $5,000 Y

102 Appraised value is less than or equal to $0 N

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200 Missing appraiser certification information N

FHA201 Appraiser must be on the FHA Appraiser Roster Y

FHA202 Appraiser must have a valid certification in the state where the property resides N

FHA203 Appraiser certification was not active as of the appraisal effective date N

FHA204 Appraiser certification was terminated as of the appraisal effective date N

FHA205 Appraiser was ineligible as of the appraisal effective date N

FHA210 Appraisal contains supervisory appraiser information N

300 Missing subject address N

302 Unknown subject address N

303 Invalid address: unit number required or not validated Auto*

401 UAD compliance check failure (one or more fatal) N

402 UAD compliance check failure (warning only) Auto*

FHA500 FHA Case Number is missing or provided in an invalid format N

FHA501 FHA Case Number on appraisal does not match Document File N

FHA502 FHA Case Number on appraisal is cancelled or not found N

FHA503 FHA Case Number assigned to property does not match subject address Auto*

FHA504 FHA Case Number on appraisal is not assigned to lender N

FHA600 Appraiser digital signature is missing Auto*

FHA601 Appraiser digital signature is in an invalid format Auto*

FHA602 Appraiser digital signature name or license information does not match appraisal Auto*

FHA603 Appraisal could not be validated against appraisal digital signature Auto*

9000 Invalid submission: File too large N

9001 Appraisal data in invalid format: Appraisal file deleted or renamed prior to submission N

9001 Appraisal data in invalid format: XML is not well formed N

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9001 Appraisal data in invalid format: contains non-UTF8 characters N

9001 Appraisal data in invalid format: XML file type cannot be auto-detected N

9001 Appraisal data in invalid format: XML file does not match the specified format and form N

9001 Appraisal data in invalid format: XSD check failure N

9003 PDF not included in XML submission N

9005 Invalid form type for Appraisal 1: 1004D/442 N

FHA3100 For purchase transaction, Date of Contract must be provided N

FHA3105 For purchase transaction, Contract Price must be provided N

FHA3200 Location must be provided N

FHA3205 Sum of all land uses must be at least 1% but not greater than 100% N

FHA3210 Neighborhood Predominant Price must be provided N

FHA3300 Site Area must be greater than "0" unless under condominium ownership N

FHA4000 Subject property market value decline indicator must be provided N

FHA4001 Appraisal Update indicates that the market value of the subject property has declined in value Y

FHA4100 Form purpose must be provided N

FHA4200 Effective Date of Appraisal must be provided N

FHA4205 Effective Date of Appraisal Update must be provided N

FHA5000 Building Status must be provided N

FHA5005 Year Built must be provided N

FHA5010 Effective Age must be provided N

FHA5015 Improvement Type must be provided N

FHA5016 Project Description must be provided N

FHA5100 Foundation Type must be provided N

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FHA5200 Car Storage Type must be provided N

FHA5400 Number of rooms must be provided N

FHA5401 Number of rooms must be greater than or equal to the number of bedrooms N

FHA5405 Number of bedrooms must be provided N

FHA5410 Number of bathrooms must be provided N

FHA6000 Price of Prior Sale/Transfer must be provided N

FHA6005 Gross Living Area must be provided N

* Automatic Override by UCDP or EAD

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AppendixC–HardStopOverrideReasonCodesThe table below lists the UCDP Override Reason codes, their descriptions and if they require a

Comment:

UCDP Hard Stop Code

UCDP Hard Stop Desc

UCDP Override Request Code

UCDP Override Request Code Desc Comment Required

101

Appraised value is less than

$5,000 RQ10101 Value is correct and validated by lender No

101

Appraised value is less than

$5,000 RQ10199 Other (see comments) Yes

202

Unverified appraiser license

information RQ20201

Appraiser license number is new and

not included in the ASC database No

202


information RQ20202

Appraiser license number is not correct

in the ASC database No

202


information RQ20203

Appraiser license number is correct and

validated by lender No

202


information RQ20299 Other (see comments) Yes

203

Appraiser license is suspended in

the ASC database RQ20301 The ASC database is not current No

203


the ASC database RQ20302

There is an error in the ASC database.

The license is not suspended No

203


the ASC database RQ20399 Other (see comments) Yes

204


the ASC database RQ20401 The ASC database is not current No

204


the ASC database RQ20402



204


the ASC database RQ20499 Other (see comments) Yes

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UCDP Hard Stop Code

UCDP Hard Stop Desc



212

Unverified supervisory appraiser

license information RQ21201

Supervisory appraiser license number is

new and not included in the ASC

database No

212




not correct in the ASC database No

212




correct and validated by lender No

212


license information RQ21299 Other (see comments) Yes

213

Supervisory appraiser license is

suspended in the ASC database RQ21301 The ASC database is not current No

213


suspended in the ASC database RQ21302



213


suspended in the ASC database RQ21399 Other (see comments) Yes

214


suspended in the ASC database RQ21401 The ASC database is not current No

214


suspended in the ASC database RQ21402



214


suspended in the ASC database RQ21499 Other (see comments) Yes

302 Unknown subject address RQ30201 Recent/new construction No

302 Unknown subject address RQ30202 Subject address located in rural area No

302 Unknown subject address RQ30203

Address has recently changed and

therefore may not be in your database No


Address is correct and verified via local

professional No

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UCDP Hard Stop Code

UCDP Hard Stop Desc




Address is correct and verified by

lender No

302 Unknown subject address RQ30299 Other (see comments) Yes

303

Invalid address ‐ unit number

required or not validated RQ30301

No unit number required. Verified by

lender No

303

Invalid address ‐ unit number

required or not validated RQ30399 Other (see comments) Yes

FNM0083

The sales contract was not

analyzed. RQFN01

Lender has a variance from Fannie

Mae. No

FNM0083


analyzed. RQFN02

Lender confirmed that the appraisal

meets Fannie Mae requirements. No

FNM0083


analyzed. RQFN03

Lender confirmed that the property


FNM0083


analyzed. RQFN04

Lender validated that the message fired

in error. No

FNM0083


analyzed. RQFN05 Other (see comments) Yes

FNM0084

No comment on market

conditions despite trends. RQFN01


Mae. No

FNM0084





FNM0084





FNM0084




in error. No

FNM0084


conditions despite trends. RQFN05 Other (see comments) Yes

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UCDP Hard Stop Code

UCDP Hard Stop Desc



FNM0085

Less than three settled sales

were used as comparables. RQFN01


Mae. No

FNM0085





FNM0085





FNM0085




in error. No

FNM0085


were used as comparables. RQFN05 Other (see comments) Yes

FNM0086

Research of prior sale was not

performed. RQFN01


Mae. No

FNM0086


performed. RQFN02



FNM0086


performed. RQFN03



FNM0086


performed. RQFN04


in error. No

FNM0086


performed. RQFN05 Other (see comments) Yes

FNM0087


performed. RQFN01


Mae. No

FNM0087


performed. RQFN02



FNM0087


performed. RQFN03



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UCDP Hard Stop Code

UCDP Hard Stop Desc



FNM0087


performed. RQFN04


in error. No

FNM0087


performed. RQFN05 Other (see comments) Yes

FNM0092

State certification is not

provided on transaction amount

greater than $1 million. RQFN01


Mae. No

FNM0092






FNM0092






FNM0092





in error. No

FNM0092



greater than $1 million. RQFN05 Other (see comments) Yes

FNM0093

Appraiser license state does not

match subject property state. RQFN01


Mae. No

FNM0093





FNM0093





FNM0093




in error. No

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UCDP Hard Stop Code

UCDP Hard Stop Desc



FNM0093


match subject property state. RQFN05 Other (see comments) Yes

FNM0094

Supervisor license state does not



Mae. No

FNM0094





FNM0094





FNM0094




in error. No

FNM0094


match subject property state. RQFN05 Other (see comments) Yes

FNM0096

Illegal zoning compliance

indicated. RQFN01


Mae. No

FNM0096


indicated. RQFN02



FNM0096


indicated. RQFN03



FNM0096


indicated. RQFN04


in error. No

FNM0096


indicated. RQFN05 Other (see comments) Yes

FNM0097


indicated. RQFN01


Mae. No

FNM0097


indicated. RQFN02



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UCDP Hard Stop Code

UCDP Hard Stop Desc



FNM0097


indicated. RQFN03



FNM0097


indicated. RQFN04


in error. No

FNM0097


indicated. RQFN05 Other (see comments) Yes

FNM0098

The present use is not indicated

as highest and best use. RQFN01


Mae. No

FNM0098





FNM0098





FNM0098




in error. No

FNM0098


as highest and best use. RQFN05 Other (see comments) Yes

FNM0099




Mae. No

FNM0099





FNM0099





FNM0099




in error. No

FNM0099


as highest and best use. RQFN05 Other (see comments) Yes

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UCDP Hard Stop Code

UCDP Hard Stop Desc



FNM0101

The subject property may be a

hotel/motel or condo hotel. RQFN01


Mae. No

FNM0101





FNM0101





FNM0101




in error. No

FNM0101


hotel/motel or condo hotel. RQFN05 Other (see comments) Yes

FNM0102

The subject property is in a

condominium project that may

be ineligible for delivery to

Fannie Mae. RQFN01


Mae. No

FNM0102




Fannie Mae. RQFN02



FNM0102




Fannie Mae. RQFN03



FNM0102




Fannie Mae. RQFN04


in error. No

FNM0102 The subject property is in a

condominium project that may RQFN05 Other (see comments) Yes

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UCDP Hard Stop Code

UCDP Hard Stop Desc




Fannie Mae.

FNM0174

Project name may be a condo

hotel. RQFN01


Mae. No

FNM0174


hotel. RQFN02



FNM0174


hotel. RQFN03



FNM0174


hotel. RQFN04


in error. No

FNM0174


hotel. RQFN05 Other (see comments) Yes

FNM0176

Subject property has legal non‐

conforming zoning and cannot

be rebuilt. RQFN01


Mae. No

FNM0176



be rebuilt. RQFN02



FNM0176



be rebuilt. RQFN03



FNM0176



be rebuilt. RQFN04


in error. No

FNM0176



be rebuilt. RQFN05 Other (see comments) Yes

30



UCDP Hard Stop Code

UCDP Hard Stop Desc



FNM0179

Subject property has a C6

condition rating. RQFN01


Mae. No

FNM0179





FNM0179





FNM0179




in error. No

FNM0179


condition rating. RQFN05 Other (see comments) Yes

FNM0193

100 % of this appraiser's work

will be reviewed. RQFN01


Mae. No

FNM0193





FNM0193





FNM0193




in error. No

FNM0193


will be reviewed. RQFN05 Other (see comments) Yes

FNM0194

100% of this supervisory

appraiser's work will be

reviewed. RQFN01


Mae. No

FNM0194



reviewed. RQFN02



31



UCDP Hard Stop Code

UCDP Hard Stop Desc



FNM0194



reviewed. RQFN03



FNM0194



reviewed. RQFN04


in error. No

FNM0194



reviewed. RQFN05 Other (see comments) Yes

FNM0195

Fannie Mae will not accept

appraisals from this appraiser. RQFN01


Mae. No

FNM0195





FNM0195





FNM0195




in error. No

FNM0195


appraisals from this appraiser. RQFN05 Other (see comments) Yes

FNM0196


appraisals from this supervisory

appraiser. RQFN01


Mae. No

FNM0196



appraiser. RQFN02



FNM0196



appraiser. RQFN03



32



UCDP Hard Stop Code

UCDP Hard Stop Desc



FNM0196



appraiser. RQFN04


in error. No

FNM0196



appraiser. RQFN05 Other (see comments) Yes

33



The below table lists the valid EAD Override Reason Codes for each Hard Stop and indicates if a comment is required.

Hard Stop Code

Override Reason Code

Description Comment Required

101 RQ10101 Value is correct and validated by lender N

101 RQ10199 Other (See comments) Y

302 RQ30201 Recent/new construction N

302 RQ30202 Subject address located in rural area N

302 RQ30203 Address has recently changed and therefore may not be in your database

N

302 RQ30204 Address is correct and verified via local professional N

302 RQ30205 Address is correct and verified by lender N

302 RQ30299 Other (see comments) Y

FHA201 RQFHA20101 Lender validated that information is correct and appraiser is on the FHA Appraiser Roster

N

FHA201 RQFHA20199 Other (see comments) Y

FHA4001 RQFHA40011 Lender acknowledges that a new appraisal report must be ordered

N

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Revision Date Description Author

1.0 04.04.2016 Initial D. Krolczyk

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The information contained in or supplied with this document is submitted solely for the purpose of evaluating the

products and services of Black Knight Holdings, Inc. its affiliates and/or subsidiaries (collectively, “Black Knight”).

The information contained in or supplied with this document, in its entirety, is the confidential and proprietary

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intended recipient), without the prior written consent of Black Knight. With or without Black Knight’s prior written

consent, Black Knight accepts no liability whatsoever for any consequences arising from the reproduction of the

information contained in or supplied with this document, or from its disclosure to any person or entity, including

to the intended recipient. Black Knight additionally accepts no liability for the use of the information contained in,

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Knight’s express prior consent. The intended recipient shall not use any part of the information contained in, or

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designed to assure its compliance with this provision.

This proposal is neither an offer nor intended by Black Knight, upon acceptance by the intended recipient, or

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definitive contract, executed by both parties.

Trademarks

All trademarks are the property of their respective owners. Company, product and service names used within or

supplied with this document may be trademarks or service marks of other persons or entities.

Copyright

Copyright © 2016

Black Knight Holdings, Inc., its affiliates and/or subsidiaries.

601 Riverside Avenue

Jacksonville, Florida 32204, USA

All rights reserved.