1. Architecture Deep Dive Reference Application Pack for Loan Origination Systems Architecture Strategy Team Mike Walker

3. Goal … Unify people, process, and technology through proven technologies that reduce cost, defragment channels, and provide holistic views of the customer… ” Mike Walker 2006 “

4. Lending Challenges in Banking 1 of 2

5. Lending Challenges in Banking 2 of 2 * US Market Forecast – JupiterResearch 2005

14. Logical Architecture Presentation Layer Extensible UI Web-Based Portal Office Clients Business Rules Engine Orchestration Layer Business Process Management Centralized Business Rules Data Services Layer SQL Server 2005 Third-Party External Mortgage Providers Lending Message Bus Application Services Layer Unified Communications and Collaboration Business Intelligence Enterprise Content Management Workflow Search Business Data Catalog Extensible UI Open XML File Formats Website and Security Framework

16. Anatomy of OBA Outlook Word Excel PowerPoint InfoPath Communicator Clients Forms Services Excel Services Data Services ECM Services Security Services Storage Services Portfolio Management Project Management Enterprise Search MOSS 2007 Portal Framework Workflow Foundation Rights Management Services Document Libraries WSS 3.0 Shared ASP.NET Master Pages | Web Parts ASP.NET Master Pages | Web Parts .NET VB | C# IRM Open XML

18. Presentation Layer Presentation Layer Extensible UI Web-Based Portal Office Clients Business Rules Engine Orchestration Layer Business Process Management Centralized Business Rules Data Services Layer SQL Server 2005 Third-Party External Mortgage Providers Lending Message Bus Application Services Layer Unified Communications and Collaboration Business Intelligence Enterprise Content Management Workflow Search Business Data Catalog Extensible UI Open XML File Formats Website and Security Framework

22. ECM Integration Enterprise Search Business Data Catalog Role-Based Web Service Integration ECM Integration

28. Extending MOSS Web Services WSS Adapters and Object Model Remote Client Client or Web Parts SharePoint Server

29. InfoPath Architecture Generate and render HTML (using script) Validation Execute calculations Execute rules Editing actions (All using script) Post back event log via XMLHTTP Return updated data array Download script and data array Browser WSS Generate MOSS Servers Replay event log XSN XSN XSN, XML loaded Business logic execution

33. Application Services Layer Presentation Layer Extensible UI Web-Based Portal Office Clients Business Rules Engine Orchestration Layer Business Process Management Centralized Business Rules Data Services Layer SQL Server 2005 Third-Party External Mortgage Providers Lending Message Bus Application Services Layer Unified Communications and Collaboration Business Intelligence Enterprise Content Management Workflow Search Business Data Catalog Extensible UI Open XML File Formats Website and Security Framework

34. Anatomy of Loan Application Services Operating System Platform Services WSS Core Services MOSS Application Services Database Search Workflow ASP.NET (Web Parts, Personalization, Master Pages, Provider Model for navigation, security, and so on) Collaboration ECM Portal Search BPM BI Project Storage Repository Metadata Versioning Backup Security Rights/Roles Pluggable Auth Per Item Rights Trimming Mgmt Admin UX Delegation Provisioning Monitoring Topology Config Mgmt Farm Services Feature Policy Extranet Site Model Rendering Templates Navigation Visual Blueprint APIs Fields/Forms OM and SOAP Events Deployment

36. BDC Architecture Overview Web Parts Web Services Metadata Business Data Catalog Ws Proxy ADO.NET Database Lists Search User Profile Custom Apps List Store Search Index Profile Store

37. Business Data Catalog Connects Users to LOB Data

38. Using the BDC for the Loan Pipeline Pipeline Web Part Metadata Metadata Business Data Catalog Ws Proxy ADO.NET Web Services

39. Workflow Map Master Loan Flow (MLF) Activate Loan Active Loan Save Lock Services Underwriting Close InfoPath Flows Registration Pricing Lock Approval Process Integration Services Underwriting Rules Decision Engine Enterprise Loan Orchestrations (ELO) Products and Pricing Flow (PPF) Rate Entry Approval Processes Rates Published Blackout Over

41. Presentation Layer—Clients 1 of 2 Lender Worksheet Excel Client Integration Workflow Collections Document Library Farm-Level Workflow Association Table Rate Alerts Persist to Database LOB Integration

42. Presentation Layer—Clients 2 of 2 Underwriter Outlook Integration Loan Origination System WF 3. Loan Approval Form Sent 4. Return Signed with Manual Corrections BizTalk Office SharePoint Server 2007 1. Underwriter Rules Fired 2. MLF Starts UW Workflow Master Loan Flow (MLF) Activate Loan Active Loan Save Lock Services Underwriting Close Underwriter (UW) Embedded InfoPath Form with IRM Protection

44. MLF Human Workflow

46. Document Generation Architecture Business Processes and Applications Application Server Platform XML Policy Creation Loan Origination BizTalk.NET Rules Engine Document Specialist Client User Word Document Viewing, Printing, and Editing InfoPath Data Editing System Of RecordDB Template Forms/Documents Archival .NET Document Generation Service Optional Business Process Orchestration

47. Step 1: Create or Edit the Document Templates <? xml version =&quot;1.0&quot;?> < xs:schema targetNamespace =&quot;urn: Company.Dept.Project &quot; xmlns =&quot;urn: Company.Dept.Project &quot; xmlns:xs =&quot;http://www.w3.org/2001/XMLSchema&quot;> < xs:element name =“ Customer &quot;> < xs:complexType /> </ xs:element > </ xs:schema > Business User uses Word to edit and link Word template with Business schema (business schema previously created by the technical staff) Template Document Store (RDBMS, Content Management Store) Business User Microsoft Word Business User stores template in the template repository

48. Step 2: Optional. Add Business Rules to Word Template Template Document Store (RDBMS, Content Management Store) BRE Rules Composer Business User builds Business Rules and links the rules into the Word template Business User Microsoft Word Business User stores template in the template repository

49. Step 3: Generate Final Documents XML Framework-Provided Document Generation Service. Enterprise reusable Web service . Uses framework-provided integration services to retrieve business data from System-Of-Record Business User uses framework-provided document picker UI to select templates and generate the business documents XML XML BizTalk.NET Rules Engine Document Picker UI Word Templates Business Data And Text Library Final Business Document. Business data merged and embedded rules executed. Document generated. Microsoft Word PDF Document Other Formats Business User .NET Document Generation Service

53. Lending Message Bus Presentation Layer Extensible UI Web-Based Portal Office Clients Business Rules Engine Orchestration Layer Business Process Management Centralized Business Rules Data Services Layer SQL Server 2005 Third-Party External Mortgage Providers Lending Message Bus Application Services Layer Unified Communications and Collaboration Business Intelligence Enterprise Content Management Workflow Search Business Data Catalog Extensible UI Open XML File Formats Website and Security Framework

54. Lending Message Bus Architecture File Adapter MISMO XML MISMO XML FannieMae Files Custom XML Orchestration Services Business Rules Engine MISMO Accelerator XML Adapter Files File Landing Zone

56. BRE and Orchestrations Presentation Layer Extensible UI Web-Based Portal Office Clients Business Rules Engine Orchestration Layer Business Process Management Centralized Business Rules Data Services Layer SQL Server 2005 Third-Party External Mortgage Providers Lending Message Bus Application Services Layer Unified Communications and Collaboration Business Intelligence Enterprise Content Management Workflow Search Business Data Catalog Extensible UI Open XML File Formats Website and Security Framework

58. Orchestration Layer—Orchestration and BRE Integration Policies BizTalk BRE BizTalk Orchestration Workflow BizTalk Orchestration WF Workflow Rules Master Loan Flow Orchestration Web Services Facts True / False Returned Facts

59. Data Services Layer Presentation Layer Extensible UI Web-Based Portal Office Clients Business Rules Engine Orchestration Layer Business Process Management Centralized Business Rules Data Services Layer SQL Server 2005 Third-Party External Mortgage Providers Lending Message Bus Application Services Layer Unified Communications and Collaboration Business Intelligence Enterprise Content Management Workflow Search Business Data Catalog Extensible UI Open XML File Formats Website and Security Framework

61. Data Services Layer 2 of 3 Supporting the Business Process Through Federated Data Master Loan Flow (MLF) Activate Loan Active Loan Save Lock Services Underwriting Close Loan Information Store Secondary Systems Servicing Systems Origination Systems Underwriting Systems

62. Data Services Layer 3 of 3 Reporting Services Architecture Browser Office Custom App Builder Security Services (NT, Passport, Custom) Delivery Channels (E-mail, Sharepoint, Custom) Delivery Security Data Processing Rendering Report Processing Report Model Data Sources (SQL, OLE DB, ODBC, and so on) Output Formats (HTML, Excel, TIFF, Custom)

63. Addressing Enterprise Concerns

64. Physical Architecture Enterprise Services Exchange Server Active Directory SQL Server MOSS and IIS Server BizTalk Application Servers

70. Interoperability System Inputs Loan Integration Loan Integration Government Bank to Bank Third-Party Services Fax Machine Phone User Input E-Mail BizTalk Message Bus Point Integrations Existing Loan and LOB Systems

72. Connecting MOSS and BizTalk WCF WSS Adapters .NET MOSS Orchestrations BizTalk .NET MOSS Adapter Web Services

73. Extensibility Web Service Proxy Web Services Windows Mobile Smart Client Tablet Application MISMO XML LOB Systems Legacy Systems

75. Communications Architecture 2 of 3 HTTP: 80 SSL: 443 Custom SQL Server File and Print UDP: 137, 138 TCP: 139 SMB: TCP/UDP 445 Encryption Server TCP: 135 Search Indexing TCP: 80 SSL: 443 TCP/SSL: 1433 Custom TCP: 5737 SSL: 56738 Custom Query Server Web Services Forms Server Excel Server Index Server Identity Server

76. Communications Architecture 3 of 3 HTTP SOAP SSL HTTP SOAP SSL HTTP - SOAP CIFS HTTP SOAP SSL TCP/IP SQL Server Third-Party Services File Landing Zone Files BizTalk MISMO Accelerator Orchestration Services MOSS Windows Workflow Foundation