your portal to unlocking profits…

INTERNET BASED LENDING A cloud-based anytime/anywhere

consumer lending software solution

ONLINE LENDING

TCI Delivers Safe, Secure, Integrated Online Consumer Loan Solution: Meeting your Borrowers Where They Are—Mobile and Online, Anywhere, Anytime

DecisionLender, Your Online Lending Solution

Multiple BenefitsDecisionLender’s online lending solution enables you to receive and process consumer loan applications, for both secured and unsecured loans, optimized for any Internet device your customer is using: mobile device to tablet to lap-top. The benefits of our integrated solution are numerous:

• Highly Configurable: You, as system administrator, can customize the online loan application process to fit your required parameters (e.g. the states where you do busi-ness, types of loans, loan limits); you can modify or add fields and rules. Make rule or program changes at any time without IT or developer resources. DecisionLender 4 allows you to link the loan application directly to websites you want to receive applications from, broadening and targeting your customer base. And the entire process can be 100% automated or as hands-on as you wish.

• Variable Loan Types and Document Package: Our online loan origination solution can be customized for multiple consumer loan types. The customer selects the loan type from a drop-down menu, and from here the system automatically selects the process including the correct application and loan document package specified by your institution. As with DecisionLender 4, documents are fully customizable from an admin-customizable drop-down menu.

• Secure Risk Assessment: To ensure applicant authentici-ty and optimal security, our online lending solution uses a robust Trans Union two-factor authentication (2FA) process and a sophisticated algorithm to verify user identity. You can customize this verification strategy con-figured to your specific security requirements with Trans Union or utilize LexisNexis.

• DecisionLender 4 Decisioning Performance: The same reliable DecisionLender 4 decisioning performance you expect from our loan origination platform holds true for our online experience, including:

- Configurable policy violations-formulate the authority level for each role and limit override only to individu-als with proper authority

- Customizable rules using either DecisionLender 4 ’s pre-defined rule library or create your own rule

- Integration to Salesforce for CRM capabilities

- Fully auto-decisioned loan approval process, or an underwriter can review applications that fall into parameters of your choosing

How It WorksTCI creates a cloud based online lending portal (housed at Amazon-AWS) which is linked to the websites of your choos-

Today’s world operates virtually, with people conditioned to 24/7 access to news, shopping, email, they expect an ANY TIME ANY PLACE UNIVERSE. Likewise, your borrower expects a user-friendly, online experience for their financing needs as well. DecisionLender’s flexible and configurable cloud-based solution delivers this, giving you round-the-clock online loan origination capability with robust safeguards and multiple fraud risk controls.

Just as you’ve relied on TCI’s DecisionLender for a comprehensive, integrated lending solution, you can now count on us to take you to the next level: providing an intuitive online lending portal so your borrowers can apply for loans 24/7 at their convenience, using any PC, mobile or web-based device. Our fully integrated solution encompasses every aspect of the lending process: link web pages to a specific application; provide a borrower friendly application process; be assured of a compliant origi-nation process; incorporate simple and secure eSignature, choose from multiple fund transfer options and transfer data to your servicing platform. We offer a seamless and safe online lending experience for you and more importantly, for your borrower.

To Learn MoreFor a demo of our online loan application software, or to learn more about how DecisionLender can revolutionize your lending process and improve your bottom line, contact TCI at (800) 824-9069 option 4 or info@tcicredit.com.

ing—it looks and feels like your institution, and thus is fa-miliar and trusted by your borrower. The initial entry screen requests basic name and identifying information, and for your existing members/customers, your servicing platform data can be queried to retrieve information to populate forms and utilize additional data in the decision matrix.

The applicant receives an invitation into the secure signing vault utilizing eOriginal, which verifies applicant identity. The borrower, at their convenience, must sign and date the entire package before the loan can be submitted. A completed loan package is stored as a verified original by eOriginal or other eSignature platform. If the loan requires a cosigner, then this step can be included in your process. Once the signing process is complete and the applicant clicks “Finish,” they receive a customizable “Thank You” from your institution. Fund transfer options include ACH (manual or automatic) into their account or funds deposit-ed to a credit/debit card depending on lender preference.

Once the customer completes the application by entering “submit,” the data is processed through our Decision-Lender 4 decision engine, either automated or manual per your lending rules and work flow requirements. An approved applicant receives notification, and their identity is authenticated using Trans Union or LexisNexis per your preferred method of authentication such as a one-time SMS passcode or out-of-wallet questions. When they pass authentication and accept the terms, our fully-automat-ed process selects the appropriate forms or documents based upon loan type/state requirements to create a loan package. Should the applicant fail ID authentication, they receive notice that an underwriter will call them or they can go in person to the institution.

The loan application, decisioning and funding cycle is complete, all via convenient, efficient and secure online interaction. Data can be transferred to the core-servicing platform. As with all DecisionLender products, full auditing compliance is “built-in” to the process.

Complete Underwriting CycleIn summary, DecisionLender’s online loan solution integrates with the seamless DecisionLender 4 lending solution (to learn more about DecisionLender 4 visit www.tcicredit.com) delivering a nimble, secure process from application to origination to funding to eSignature, ACH and data integra-tion with your core servicing platform – a complete lending cycle-all controllable by you. Your borrower engages in a convenient lending process including a fast response to their financing needs; because of our simple and convenient pro-cess, you can deliver quicker loan approvals thus achieving higher loan volumes while increasing borrower “happiness.”

To find out more call 1-800-824-9069 or visit us at www.tcidecisionlender.com. It’s one smart decision.

TELEDATA COMMUNICATIONS, INC.1377 Motor Parkway, Suite 400 • Islandia, New York 11749

800-824-9069www.tcicredit.com