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New Calyx Network™ Interfaces added to Calyx Point^® - February 2, 2012

Calyx Software^®, a provider of loan marketing, originating and processing software, has expanded the Calyx Network with an Interface Update. The Calyx Network allows users of Point to connect directly with lenders and mortgage service providers, automating data exchange and streamlining the loan origination process all within the Point software. The February update contains a new connection to mortgage service providers in the Services menu:

• ComplianceEase^®
o Verifications

The monthly Calyx Network Interface update is automatically installed into Point versions 7.3 and higher when users open their software and connect to the Internet.

Calyx Software Welcomes New Account Sales Representative - January 11, 2012

Calyx Software®, the preferred mortgage solution provider for banks, credit unions, mortgage bankers and brokers, announced today the addition of Herb Suvaco to the New Account Sales Team. Suvaco will be primarily responsible for cultivating relationships with mortgage banks, regional and community banks as well as credit unions that are seeking to improve their lending compliance efficiency with one system-of-record.

Suvaco, who is based in California, will cover the northwestern portion of the United States, including Alaska, Northern California, Hawaii, Idaho, Montana, Oregon, Washington, and Wyoming. Suvaco comes to Calyx with an impressive 20 year history in the banking industry. A former executive with Commerce Bank & Trust with extensive experience in banking, lending, and mortgage consulting, Suvaco brings an inordinate amount of insider knowledge that will be instrumental in helping lending institutions find the best solution for their needs.

“With Herb’s experience in the financial industry, he has so much to offer in terms of relevant knowledge and insights that will help him build strong relationships with our lending community,” said Jody Collup, director of marketing for Calyx Software. “We are pleased that he joined the team as we move into one of our most exciting years for product introductions.”

New Calyx Network(TM) Interfaces Added to Calyx Point(R) - December 1, 2011

Calyx Software Welcomes Two Regional Sales Representatives - September 8, 2011

Calyx Software®, the preferred mortgage solution provider for banks, credit unions, mortgage bankers and brokers, announced today the addition of two regional sales representatives with extensive industry knowledge and expertise. These account specialists will be primarily responsible for cultivating relationships with mortgage banks, regional and community banks as well as credit unions that can benefit by using Calyx’s end-to-end loan solution, PointCentral® as their system of record for mortgage lending.

Kelly Johnson of Alabama will cover the southeastern portion of the United States, concentrating on Alabama and Georgia. Most recently an executive with ISGN, Johnson brings over 30 years of successful mortgage industry experience in retail lending, vendor management, and private mortgage insurance. Johnson’s vast knowledge of the nuances of lending complexities will enable him to recommend the most appropriate system to customers in that sector of the industry.

Mark Kelly, a resident of Austin, will support business in Texas. Kelly boasts over 25 years in the mortgage industry, mostly recently as mortgage consultant and contract trainer for NMLS licensing. In addition to working directly with Realtors, builders and new home buyers through brokerage firms and wholesale lenders, he has significant experience training, coaching and mentoring loan originators in product differentiation, sales techniques and qualifying customers.

“We are so pleased with the high level of talent we’ve acquired in Kelly and Mark,” said Jody Collup, director of marketing for Calyx Software. “Their considerable understanding of the mortgage industry will provide deeper insight into our customer needs so that we may better support them with current offerings as well as future developments. They will be valuable members of the Calyx team as we continue our efforts to strengthen our product line and reinforce the trust our customers have in us.”

Calyx Software Announces User Conference - August 9, 2011

Calyx Software®, the preferred mortgage solution provider for banks, credit unions, mortgage bankers and brokers, announced today they are holding a User Group Conference on November 15, 2011 from 10:30am to 6:30pm. The conference is being held in conjunction with Mastery Business Plan hosted by Mortgage Success Source on November 16-18. The first ever for Calyx, this User Conference will provide users at all levels of expertise and experience with valuable insights and education to help them improve their overall efficiency and production.

This user conference is an excellent opportunity for Calyx users to interact with company leadership, discuss current products and experience the unveiling of the next–generation Calyx LOS. Sessions will include interactive panels that highlight best practice discussions around implementation, Calyx support & training, Calyx product roadmaps, and getting the most out of PointCentral®.

“We’re thrilled to offer this unprecedented opportunity for users to come together with our product and management teams to learn about their software in an open and cooperative environment,” stated Jody Collup, director of marketing for Calyx Software. “The knowledge users will take with them from these sessions will put them on the right track to successful business practices plus they’ll be the first to get a glimpse at our exciting new product coming later this year. The feedback attendees provide will also have a direct impact on future product design and releases.”

The Calyx User Conference and Mastery Business Plan will be held at the beautiful Green Valley Resort and Spa in Las Vegas, NV. For customers wishing to attend both events, Mastery Business Plan will cover the cost of the Calyx User Conference. For additional information and to register for either event, visit http://www.calyxsoftware.com/usergroup.asp.

New Calyx Network(TM) Interfaces Added to Calyx Point(R) - August 1, 2011

Calyx Software and PRMS Strategically Align - June 28, 2011

DALLAS, TX June 28, 2011 ─ Calyx Software®, the preferred mortgage origination solution provider for banks, credit unions, mortgage bankers and brokers, announced today a strategic alliance with Precision Risk Management Systems, Inc., an innovative provider of risk management technology products and hedge services for the U.S. mortgage Industry..

Many bankers who use PointCentral® as their primary banking software and system of record are making the move from “best efforts” to “mandatory” delivery. While there is a financial reward to those who make this transition, there is increased risk if it’s not done properly. PRMS provides solutions that enable lenders to effectively manage their pipeline and operational risk with modern systems that maximize their execution..

David Demster, Executive Vice President at PRMS said, “We are excited to be working with Calyx. We believe PRMS Risk Management Systems will provide an excellent complement to Calyx lending solutions and will deliver modern, dashboard-driven pipeline risk management / hedging capabilities, as well as a production analytics system. The relationship is definitely a win for our customers.”.

Dennis Boggs, Calyx Software’s Sr. VP of Business Development said, “Managing the hedging process involves complex tasks, best accomplished with a proven system that is robust but easy to use. This is where PRMS excels. A number of systems have the ability to provide risk analytics and hedge a lender’s pipeline but are overly complex and require time consuming implementation and maintenance. Bankers tell us ease-of-use and ease-of-implementation is where PRMS really stands out, compared to other systems they have previously used.” .

When moving to bulk warehouse lines, investors typically require the lender to work with a reputable risk management firm in order to get the line approved. Historically, Calyx was not able to address the risk management needs of its clients. The alignment with PRMS gives Calyx customers a solid option. Moving from best efforts to mandatory delivery allows mortgage banking operations to increase the earnings of their secondary marketing department without increasing loan volume. By using PRMS risk management solutions, lenders will have the decisioning tools and support to maximize trades and profits. .

Wade Brantley, National Product Sales Director for Calyx Software said, “Calyx has experienced rapid growth with mortgage banks and financial institutions that produce significant mortgage volume each month. When these operations start producing more than $10-$15M per month, they typically desire to move from selling “Best Efforts” to “Mandatory” because the additional margins are significant. In PRMS, we found a vendor that does both extremely well, and I know that our clients are going to be impressed with what PRMS can do to help them become more profitable.”

New Calyx Network(TM) Interfaces Added to Calyx Point(R) - May 3, 2011

Calyx Software®, a provider of loan marketing, originating and processing software, has expanded The Calyx Network with an Interface Update. The Calyx Network allows users of Point to connect directly with lenders and mortgage service providers, automating data exchange and streamlining the loan origination process all within the Point software. The May update contains new connections to four new mortgage service providers, one in the Lender menu and three in the Services menu:

•Security National Mortgage Company (Lender menu)
•Gregg & Valby - GV Docs (Services menu)
•Closing Documents/Initial Disclosures
•DataVerify, Inc. (Services menu)
•Credit Plus, Inc. (Services menu)

The monthly Calyx Network Interface update is automatically installed into Point versions 7.2 and higher when users open their software and connect to the Internet.

New Calyx Network® Interfaces added to Calyx Point® - April 5, 2011

Calyx Software®, a provider of loan marketing, originating and processing software, has expanded The Calyx Network with an Interface Update. The Calyx Network allows users of Point to connect directly with lenders and mortgage service providers, automating data exchange and streamlining the loan origination process all within the Point software. The April update contains new connections to two new mortgage service providers located in the Services menus:

• Veri-Tax, Inc. (Services menu)
o Verification Services
• Western Technologies Group, Inc. (Services menu)
o Flood Certifcation

The monthly Calyx Network Interface update is automatically installed into Point versions 7.2 and higher when users open their software and connect to the Internet.

New Calyx Network Interfaces added to Calyx Point - March 2, 2011

Calyx Software®, a provider of loan marketing, originating and processing software, has expanded The Calyx Network with an Interface Update. The Calyx Network allows users of Point to connect directly with lenders and mortgage service providers, automating data exchange and streamlining the loan origination process all within the Point software. The March update contains new connections to two new mortgage service providers located in the Interfaces and Services menus:

• Informative Research, Inc (Service menu)
o Verification Services
• Network Closing Services (Interfaces menu)
o Title and Escrow

The monthly Calyx Network Interface update is automatically installed into Point versions 7.2 and higher when users open their software and connect to the Internet.

Calyx Software Offers “Customer Experience” Webinars - February 28, 2011

Calyx Software^®, the preferred mortgage solution provider for banks, credit unions, mortgage bankers and brokers, announced today the company has launched the 2011 series of “Customer Experience” webinars. These functional sessions are designed to familiarize users with various product features as well as help them get through confusing industry developments and regulatory compliance issues.

The launch of the 2011 series began with the very successful program on “Originator Compensation & the Fed Rule.” The implications of the Fed Rule and its impact on originators spiked so much interest in the first session, guest speakers quickly agreed to hold a second presentation for Calyx users. Compliance Manager Tom Estes of Abacus Mortgage Training & Education (Abacus) and Compliance Attorney Robert Lotstein provided valuable information about the rule and its actual affect on originator income. Paul Donohue, founder of Abacus, was on hand to moderate the first session.

“We are honored that Tom, Paul and Robert were willing to share their knowledge on the Fed Rule with us last month, “said Jody Collup, director of marketing for Calyx Software. “Helping our clients navigate through regulations to more efficient processing is very important, and we expect to continue our educational momentum with similar webinars along with our current offering of complimentary on-line training.”

Calyx is planning the next webinar for the April-May timeframe. The subject will be announced at a later date. The “Customer Experience” webinars will be held periodically through-out the year with advanced notification through social media and email marketing.

Information regarding the Fed Rule, including questions and answers from the “Originator Compensation & the Fed Rule” webinar can be found at www.calyxsoftware.com/compensation.asp. A complete listing of no-charge Calyx training classes can be found at www.calyxsupport.com/training.

New Calyx Network™ Interface Added to Point^{®^{- February 3, 2011}}

Calyx Software®, the preferred mortgage solution provider for banks, credit unions, mortgage bankers and brokers, has expanded The Calyx Network with an Interface Update. The Calyx Network allows users of Point to connect directly with lenders and mortgage service providers, automating data exchange and streamlining the loan origination process all within the Point software. The February update contains a new connection to a new mortgage service provider located in the Services menu:

• T4506.com
o Verifications

The monthly Calyx Network Interface update is automatically installed into Point versions 7.0 and higher when users open their software and connect to the Internet.

Calyx Software to appear on 21st Century Business Television series - January 18, 2011

Calyx Software®, the preferred mortgage solution provider for banks, credit unions, mortgage bankers and brokers, announced today the company will be featured on the 21st Century Business segment of Fox Business News. Calyx was chosen because of their knowledge and expertise in an ever-changing and heavily-regulated industry. The program, scheduled for January 22nd, will offer viewers in-depth insights into the mortgage technology industry and how Calyx is leading the way in mortgage technology that works for brokers and lenders.

Holding over 70% of the market share, Calyx has been a long-time favorite of brokers for the affordable easy-to-use loan origination system (LOS) called Point®. Calyx has continued to grow in the lender market since the introduction of PointCentral®, the platform currently used by 36% of mortgage banks, credit unions and community banks as their system of record. PointCentral provides lenders the comprehensive LOS of Point with electronic document management, back-office functionality for banking operations, robust security and process control through customizable rules and templates, and reporting capabilities for oversight and compliance.

JL Haber, vice president of programming at Multi Media Productions, explained the decision, “In our search for companies with innovative software solutions, Calyx Software stood out as a unique company. We are excited to have them as a guest on our program.”

“As a software vendor, we recognize the tremendous importance of compliance and efficiency for all mortgage professionals in light of the increasing number and complexity of industry regulations,” added Jody Collup, director of marketing for Calyx Software. “We are honored that we have the opportunity to share our enthusiasm for the industry’s future and our expanding role in helping our customers navigate easily through the process of closing a loan and beyond.”

Calyx Software’s dedication to keeping customers compliant is prompting the launch Point® 7.4 on January 24. Point 7.4 includes the new Truth-in-Lending form required on January 30 as well as additional new and recently changed federal forms. Detailed product information can be found at www.calyxsoftware.com.

For specific airtimes, please visit http://www.21cbtv.com. Recorded segments are available for viewing at anytime at http://www.youtube.com/user/CalyxSoftware.

Calyx Software Offers Free Software Training - January 11, 2011

Calyx Software®, the preferred mortgage solution provider for banks, credit unions, mortgage bankers and brokers, announced today that all online training through the company is now offered at no charge to customers. The company hopes that more users will take advantage of Calyx’s frequent classes to help them become more familiar with the many features and benefits of their software. Users will have unlimited access to classes on a first-come, first-served basis.

Calyx Software’s online schedule includes many classes that will help users become more efficient by teaching them how to navigate the software with basic functionality and use many of the convenience compliance and processing features. The classes are taught by experienced industry consultants with deep and thorough understanding of the software and how it can be used in daily operations.

“We have found that so many of our customers are not using the software to their advantage,” said Jody Collup, director of marketing for Calyx Software. “Free training classes enable us to increase their awareness of the remarkable functionality of the software, which makes them more efficient as they find it easier to use.”

Regular titles include “Getting Started in Point,” “Fees Worksheet,” “Building Templates,” and “Marketing and Custom Forms.” For popular or specialized topics, classes will be added as necessary to meet the demand.

“We appreciate the loyalty of our customers,” continued Collup. “Increasing our service level with free training increases our value to them and allows them to do the same for their clients.”

For a complete course listing and to register, visit www.calyxsoftware.com/training/online.asp.

Calyx Software Welcomes Three Regional Sales Representatives - January 6, 2011

Calyx Software®, the preferred mortgage solution provider for banks, credit unions, mortgage bankers and brokers, announced today the addition of three regional sales representatives with extensive industry knowledge and experience. These account specialists will be primarily responsible for developing new business with mortgage banks, regional and community banks as well as credit unions that can benefit by using Calyx's end to end Loan Origination System, PointCentral® as their system of record for mortgage lending.

Henry Rosenthal, most recently with Ellie Mae, will be based out of Providence, RI and brings over 10 years of mortgage/financial technology industry experience to the Northeast territory. Henry is an expert in Document Services and is looking forward to representing Calyx Software in the fast approaching New England Mortgage Professional conference, Expo in the Sun, in Connecticut on January 14th.

Atlanta based Jackie Nickell's focus will be in the Southeast. Jackie most recently worked at Valuation Management Group specializing in outsourced appraisals and Flagstar Bank as an Account Executive. Calyx enjoys a tremendous share of the broker market in this region already and anticipates the similar success with the lending community as Jackie leverages his more than 13 years of experience in growing business.

Rounding out the new outside sales team in the Midwest territory is Peggy Rubadue, who will work out of Indianapolis, IN. Peggy most recently hails from CL Verify Credit Solutions and National City Mortgage. We anticipate Peggy's combined 20-years of mortgage experience and drive for success should bring a much needed awareness of Calyx in this market.

"This is a talented group of professionals," said Wade Brantley, national sales director for Calyx Software. "They can deliver the mission critical expertise that Calyx clients need in today's challenging business environment. The expansion of our territory based strategy shows our commitment to personalizing our service as we have become a trusted vendor partner and resource for our accounts."

The Calyx Software inside sales team has also been realigned to bring more focused account management to both current and new customers. Brantley adds, "We anticipate this new internal alignment will bring a better understanding of our customer needs and strengthen our relationships while providing valuable customer feedback to product management."

Calyx Software Acquires Loan-Score Decisioning Systems - December 22, 2010

Calyx® Software, the preferred mortgage solution provider for banks, credit unions, mortgage bankers and brokers, announces today the acquisition of Loan-Score Decisioning Systems, Inc. The addition of a product & pricing engine, an automated underwriting system as well as FHA eligibility decisions to the number one mortgage origination platform further solidifies Calyx’s end-to-end offering.

“This is a historic move for Calyx Software; a very significant and strategic move to better serve our customers and further our presence in the lending industry,” comments Doug Chang, President of Calyx Software.

Calyx Technology, Inc. has purchased the assets and business of Loan-Score Decisioning Systems, Inc. Beginning immediately, Calyx will execute on the integration of the two companies and will be working to leverage the value of this acquisition to bring new and better products to the market. The service experience for Loan-Score customers will be business as usual, contact numbers and personnel will remain the same.

Loan-Score Decisioning Systems is a 10-year old company out of Irvine, California that offers their clients a full suite of decisioning solutions satisfying small, medium and large production and servicing organization needs. The modular suite includes a product & pricing engine (PPE), automated underwriting system (AUS), portfolio analysis engine (PAE), channel focused point-of-sale (POS) Web portals, a system-to-system integration bridge and more. Loan-Score maintains a comprehensive, up-to-date library of investor guidelines and pricing to ensure eligibility is met and market conditions are adjusted to deliver precision-based underwriting that result in fundable and saleable loans. These options are available via software-as-a-service (SaaS) and self-hosted technology models.

Loan-Score integrated with Point® in September of 2010 giving mutual customers added efficiencies as well as cost saving opportunities. Dennis Boggs, Sr. Vice President, business development of Calyx points out, “Loan-Score’s AUS and its interface to FHA TOTAL Scorecard, are two major differentiators from their competitors. This is what made our initial integration important and now underscores the value and significance of the acquisition.” Boggs continues, “We are extremely pleased to be gaining a stronger foothold in the industry. By combining the number one loan origination suite of products from Calyx with the Loan-Score product offerings we are maximizing our value positioning for both our current and prospective customers.“

As a result of this purchase, Calyx will be adding staff within the next several months to accommodate the business and customer needs of both companies while optimizing the two talent pools of current staffing.

New Calyx Network Interfaces added to Point - December 2, 2010

Calyx Software®, a provider of loan marketing, originating and processing software, has expanded The Calyx Network with an Interface Update. The Calyx Network allows users of Point to connect directly with lenders and mortgage service providers, automating data exchange and streamlining the loan origination process all within the Point software. The December update contains new connections to two mortgage service providers located in the Interfaces and Services menus:

• Global DMS Connect - Appraisals (Interfaces menu)
• Old Republic Credit Services - Verifications (Services menu)

The monthly Calyx Network Interface update is automatically installed into Point versions 7.0 and higher when users open their software and connect to the Internet.

Calyx Software and CCMC Announce Strategic Alliance - November 23, 2010

Calyx Software®, the preferred mortgage solution provider for banks, credit unions, mortgage bankers and brokers, announced today they have formed a strategic alliance with CCMC to provide interfaces with other critical systems such as core processing, core servicing or back-office software. CCMC’s bridge products will enable even more efficient workflow and increased productivity for financial institutions using Calyx for their mortgage platform as information is easily shared between systems.

Calyx mortgage solutions combine the latest technology with the functionality that mortgage professionals require for loan marketing, prequalification, origination, and processing. As a robust server-based solution designed with added security required by financial institutions, PointCentral® protects business integrity from the simplest access restriction to ensuring that all employees follow specified business rules--all with the easy-to-use screens and compliance features of Point® that meet the needs of all mortgage professionals.

CCMC provides bridge solutions that link core banking systems with specialty applications such as Point and PointCentral, providing a streamlined data flow backed by a sophisticated middleware engine that ensures that transactions are complete and error free as they are shared across multiple software applications. CCMC bridge solutions also connect Calyx Software products with back-office software used by many mortgage banks. Additionally, CCMC can build a customized bridge from any other critical system to Point or PointCentral, giving all financial institutions the opportunity to utilize the #1 mortgage platform in the nation with the end-to-end functionality, efficiency, and data flow they need to increase productivity.

“I am very excited about our alliance with CCMC,” said Wade Brantley, national sales director for Calyx Software. “Many of our clients operate in sophisticated environments and need to bridge Calyx with other critical business software. CCMC provides us with a highly respected and talented bridge builder. Our clients have been thrilled with the results as Calyx continues to reap market share gains with mortgage banks, banks and credit unions.”

CCMC-BridgeWare™ products meet the mortgage industry’s need for fast electronic processing. The ability to move information bi-directionally between systems quickly using CCMC’s hands-free connectivity gives Calyx users a competitive advantage in both productivity and overall cost savings.

“Competition and industry regulations have developed a need for real-time information exchange between systems,” said Dana Giesler, vice-president of sales for CCMC. “Bridging critical systems with Calyx products gives Calyx clients the fast, accurate data flow that will keep them competitive.”

More information on CCMC can be found at www.ccmcinc.com or current Calyx customers can call 800-362-2599 to speak to their account representative.

New Calyx Network Interfaces added to Point - November 1, 2010

Calyx Software®, a provider of loan marketing, originating and processing software, has expanded The Calyx Network with an Interface Update. The Calyx Network allows users of Point to connect directly with lenders and mortgage service providers, automating data exchange and streamlining the loan origination process all within the Point software. The November update contains new connections to three mortgage service providers located in the Interfaces and Services menus:

• Advanced Data - Verifications (Services menu)
• a la mode's Mercury Network - Appraisals (Interfaces menu)
• Credit Repair - Lexington Law - Additional Services (Interfaces menu)

The monthly Calyx Network Interface update is automatically installed into Point versions 7.0 and higher when users open their software and connect to the Internet.

Calyx Software Announces YouTube Channel - November 1, 2010

Calyx Software®, the preferred mortgage solution provider for banks, credit unions, mortgage bankers and brokers, announced today the availability of the Calyx Software channel on YouTube. The company’s presence on YouTube represents the company’s ongoing commitment to keeping customers informed and educated on the nuances of the constantly changing mortgage industry.

Visitors will find software videos and recorded webinars that will help them use their Calyx Software most efficiently and effectively. Additionally, Calyx Software’s latest television appearances on CNBC and Fox Business News are available for immediate viewing.

“Embracing social media like YouTube allows us to disseminate information and educational material where our customers are already learning and doing business—on the web,” said Jody Collup, director of marketing for Calyx Software. “We want to give our customers all the tools necessary to keep up with industry changes and enjoy a successful business.”

The Calyx Software Channel can be found at www.youtube.com/user/CalyxSoftware. Find Calyx Software’s blog at www.calyxcorner.com. Follow Calyx on Twitter at www.twitter.com/calyxsoftware, become a Fan at www.facebook.com/calyxsoftware, or Link to www.linkedin.com/companies/21308. More information on Calyx Software’s mortgage solutions can be found on www.calyxsoftware.com.

Calyx Software Releases Point and PointCentral Version 7.3 - October 28, 2010

Calyx Software®, the preferred mortgage solution provider for banks, credit unions, mortgage bankers and brokers, announced today the release of Point® and PointCentral® 7.3. Point combines the latest technology with the functionality that mortgage professionals require for loan marketing, prequalification, origination, and processing. PointCentral’s server platform unites Point with business rules, remote access, and consolidated data storage. Version 7.3 simplifies compliance for users with intuitive fees worksheets and synchronization of important data and includes support for users utilizing terminal services.

Point 7.3 offers updated compliance requirements including improved GFE and TIL screens along with a new HUD1 screen and form. The GFE Provider List has been enhanced to print either with or without fees shown. Point 7.3 also allows users to copy fees from either the Fees Worksheet or the Fees & Impounds screen into initial or final disclosure forms, either as a group or individually. This feature gives Point users greater flexibility in a more functional, yet easier, disclosure process. Point has also been improved to facilitate document management throughout the loan process with document stacking and packaging capabilities.

The enhancements to the server-based PointCentral 7.3 are also dedicated to compliance and flexibility. With 14 pre-built and customizable compliance rules, PointCentral gives users the ability to implement compliance policies that best suit their company procedures. A new action-based rule for printing allows administrators to control printing by user or user group.

“7.3 was developed out of a need to make compliance easier for our users with the functionality they need to manage their business processes” said Doug Chang, president of Calyx Software. “As regulations grow more numerous and complicated, we listen to our users and respond as quickly as possible with products that make a positive difference for them.”

Point and PointCentral 7.3 are being deployed electronically via MyCalyx.com. For more information on these and other products of Calyx Software, visit www.calyxsoftware.com.

Calyx Software to appear on 21st Century Business Television series - October 14, 2010

Calyx Software®, the preferred mortgage solution provider for banks, credit unions, mortgage bankers and brokers, announced today the company will be featured on 21st Century Business in the coming weeks through-out the CNBC and FBN networks.

Calyx’s dedication to helping mortgage professionals increase their profitability by providing reliable and affordable software has made them a leader in the mortgage technology market. Currently holding over 70% of the market share among mortgage brokers—a number that has only grown since taking the lead in 2000—Calyx was selected because of their knowledge and expertise in an ever-changing industry. .

JL Haber, vice president of programming at Multi Media Productions, explained, “In our search for companies with innovative software solutions, Calyx Software stood out as a unique company. We are excited to have them as a guest on our program.”.

“We are honored to speak and educate the nation on behalf of our loyal customers who have weathered such industry turmoil in the recent years,” said Jody Collup, director of marketing for Calyx Software. “We especially appreciate TexasLending.com and Affiliated Bank for participating in this project with us.”.

Calyx Software launches Point & PointCentral 7.3 on October 28 with a focus on compliance efficiency. More detailed product information can be found at www.calyxsoftware.com. .

More Mortgage Professionals Trust Calyx Software - October 12, 2010

Calyx Software®, the preferred mortgage solution provider for banks, credit unions, mortgage bankers and brokers, announced today they are still the preferred vendor for brokers in the United States and a decided leader among mortgage lenders. Access Mortgage Research & Consulting, who has been providing extensive mortgage industry studies since 1991, first reported Calyx Software as a strong front-runner in 2000 with a 50% share of the market—a number that has only increased over the years. Today, Calyx dominates the loan origination market with a platform that customers find easy to use with the functionality they need for compliance and efficiency.

Of the mortgage brokers surveyed, 72.5% of them reported using Calyx Point as their loan origination software and 70.1% of them reported using Calyx Point for underwriting. The 2010 study was completed with 1634 responding loan originators separated into two groups: mortgage brokers and mortgage lenders. Of those 1634, only 1034 responses were deemed viable during the study. Of those deemed viable, 724 were considered mortgage brokers and 310 were considered mortgage lenders..

As Calyx has made great strides into developing and improving functionality of their banking screens and their interfaces with premier vendors, more lenders have taken notice. While Calyx does not have the majority of the market share in this market, at 36% of the market, Calyx comes in second place by only 1.4%. The results for the mortgage lender market—the fact that Calyx has over 1/3 of the market that consists of mortgage bankers, credit unions, and banks—is highly significant as providing solutions to the these customer groups has been a focus for Calyx in recent product updates, including the soon-to-be- released PointCentral 7.3..

“We are pleased to see that our efforts and quick response to our customers’ needs have indeed shown such a significant impact in market share among brokers and lenders,” said Jody Collup, director of marketing for Calyx Software. “We are proud of our customers who have demonstrated such resiliency and strength through the turmoil in the industry and as we prepare for our upcoming release, we appreciate their continued trust is us.”.

Calyx Software launches Point & PointCentral 7.3 on October 28 with a focus on compliance efficiency. More detailed product information can be found at www.calyxsoftware.com. .

For more information on the 2010 Mortgage Origination Studies, visit http://www.accessmrc.com.

New Calyx Network Interfaces added to Point - October 4, 2010

Calyx Software®, a provider of loan marketing, originating and processing software, has expanded The Calyx Network with an Interface Update. The Calyx Network allows users of Point to connect directly with lenders and mortgage service providers, automating data exchange and streamlining the loan origination process all within the Point software. The October update contains new connections to four new mortgage service providers located in the Interfaces and Services menus:

• 360 Mortgage Group - Lenders
• Dragonfly Home Inspections - Additional Services
• Easy Order - Title/Escrow
• Floodplain Consultants - Flood Certification

The monthly Calyx Network Interface update is automatically installed into Point versions 7.0 and higher when users open their software and connect to the Internet.

Loan-Score’s PPE and AUS Platforms integrated into Calyx Point - September 28, 2010

Calyx Software®, the preferred mortgage solution provider for banks, credit unions, mortgage bankers and brokers, and Loan-Score Decisioning Systems, an enterprise-class pricing and automated underwriting provider, announced that the two companies have integrated their respective loan origination system (LOS) and automated underwriting system (AUS) to offer users access to automated pricing and underwriting for each investor as well as FHA eligibility decisions. The new functionality was released to all Calyx® Point® customers earlier this month.

The integration embeds Loan-Score’s product and pricing engine (PPE) as well as its AUS within Point’s user interface. Without ever leaving Point, customers can interact with Loan-Score, which then decisions off of all relevant fields in the 1003 and a tri-merged credit report. With the click of a button, Loan-Score’s rules engine returns accurate pricing and an automated underwriting pre-approval that effectively simulates a human underwriter’s decision. Users have real-time visibility of underwriting conditions and loan status in a centralized area within Point.

In addition, users can also utilize Loan-Score’s AUS to access FHA TOTAL Scorecard via Web services while in Point. If the user submits a loan to the AUS and it is determined to be eligible for insurability by the FHA, a Loan-Score generated FHA certification is returned, which can then be sold to investors. The cost savings using Loan-Score’s connectivity to Scorecard is significant.

“Our integration with Calyx is one of the most strategic initiatives we’ve taken to capture market share,” says David Colwell, executive vice president of Loan-Score. “Embedding our Web-based application in Point provides Calyx users access to our comprehensive decisioning platform. We are the only non-agency AUS option in Point; the rest of the decisioning vendors are PPEs. We feel that this relationship has enormous growth potential for Loan-Score.”

Notable is that Calyx has recently positioned itself to aggressively pursue more mortgage bankers than they have previously focused on. Because Loan-Score’s primary focus is mortgage banks, the integrated solution strengthens the ability of both companies to continue picking up substantial market share in the mortgage banker arena.

“We’re elated to work with Loan-Score to offer our customers what we believe to be one of the leading SaaS-based decisioning capabilities in the industry,” said Dennis Boggs, senior vice president, business development at Calyx. “The expected cost savings Loan-Score can deliver to our customers, among other efficiencies, is very compelling. Loan-Score’s AUS alone, along with its interface to FHA TOTAL Scorecard, are two major differentiators from their competitors, which made the value of this integration clear-cut. We spent ample time performing our market research and this integration makes a great deal of business sense.”

Calyx and Loan-Score will be offering demonstrations of the integration at the Mortgage Banking Association of America’s 97th Annual Convention and Exposition at the Georgia World Congress Center in Atlanta, GA, October 24 – 26. Contact the companies to arrange a demo time at info@loan-score.com or 800-362-2599 or sales@calyxsoftware.com.

New Calyx Network Interfaces added to Point - September 1, 2010

Calyx Software®, a provider of loan marketing, originating and processing software, has expanded The Calyx Network with an Interface Update. The Calyx Network allows users of Point to connect directly with lenders and mortgage service providers, automating data exchange and streamlining the loan origination process all within the Point software. The September update contains new connections to four new mortgage service providers located in the Interfaces menu:

• Loan-Score Decisioning Systems - Product & Pricing and Automated Underwriting
• ING Mortgage - Lenders
• Informative Research - Verification Services
• Schmidt Mortgage - Lenders

The monthly Calyx Network Interface update is automatically installed into Point versions 7.0 and higher when users open their software and connect to the Internet.

focusIT signs 10,000th Calyx Software Customer - August 17, 2010

Calyx Software®, the preferred mortgage solution provider for banks, credit unions, mortgage bankers and brokers, announced today that hosting company focusIT, Inc. is now providing hosting services to 10,000 PointCentral™ customers. Calyx PointCentral combines the latest technology with the breadth of functionality that mortgage professionals require for loan marketing, pre-qualification, origination, and processing. For small to medium sized companies, offering a hosted server solution provides cost-effective pipeline visibility and security without the need to add costly hardware or personnel.

“It comes as no surprise that focusIT has signed so many of our PointCentral users,” said Doug Chang, president of Calyx Software. “They have consistently risen to the challenge of meeting the increasing needs of our customers seeking a hosted solution.”

focusIT receives high satisfaction ratings from Calyx customers for their PointCentral hosting. The latest survey, showing a 92.6% satisfaction rating, lends no question as to why focusIT has become the largest hosting company for Calyx Software’s PointCentral product.

“We are proud that our strategic relationship with Calyx has been able to positively affect the mortgage businesses that count on us,” said Josh Bopp, president of focusIT, Inc. “Focusing on mortgage and financial businesses has allowed us to align our SaaS development for specific market requirements and attract new customers.”

More information on focusIT can be found at www.focusitinc.com or current Calyx customers can call 800-362-2599 to speak to their account specialist.

New Calyx Network Interface added to Point - August 2, 2010

New Calyx Network Interface added to Point - July 1, 2010

Calyx Software and Servicing Solution, LLC Announce Strategic Alliance - June 22, 2010

Calyx Software®, the preferred mortgage solution provider for banks, credit unions, mortgage bankers and brokers, announced today they have formed a strategic alliance with Servicing Solution, LLC (S2) to provide a hosted servicing option for mortgage bankers seeking the most cost effective mortgage solution. Servicing Solution takes Calyx customers beyond closing and allows them to generate additional revenue.

Calyx PointCentral™ combines the latest technology with the breadth of functionality that mortgage professionals require for loan marketing, prequalification, origination, and processing. Adding a servicing capability through third party hosting enables customers to retain their customers for the life of their loans for greater income potential. With Servicing Solution, customers do not need to add staff or hardware.

“We know our customers will be excited about this opportunity,” said Jody Collup, director of marketing at Calyx Software. “Servicing Solution is a customer-focused company with substantial industry experience and they will be a perfect fit for our PointCentral users.”

The hosted system, which can take only one hour to implement, provides one-click loan servicing with instant reporting in a simple, web-based application. Servicing Solution processes all payments and keeps track of loan balance, taxes, insurance, and interest information. Customers have the option to create a personally branded servicing site.

“Our professionals have been using Calyx software for years and we know exactly what Calyx customers need and want from a servicing solution to gain a competitive edge,” said Scott Fletcher, president of Servicing Solution, LLC. “We have designed an amazingly simple and affordable system that integrates seamlessly with PointCentral.”

More information on Servicing Solution can be found at www.servicingsolution.com or current Calyx customers can call 800-362-2599 to speak to their account representative.

#1 provider of mortgage solutions selected to appear on 21st Century Business Television series - June 19, 2010

Calyx Software is dedicated to helping mortgage professionals increase their profitability by providing reliable and affordable software that streamlines and optimizes all phases of the loan processfrom loan marketing through closing. The Calyx Solution connects loan officers and processors to borrowers, lenders, and service providers, using technology that allows all parties to exchange data easily. This seamless interaction, coupled with the robust features in the Calyx product line, increases efficiency and maximizes profitability by enabling more loans to close more quickly.

"We are honored to be selected to participate in this series and further the education and potentially the efficiency of the financial sector who are actively doing mortgages today." Jody Collup, Marketing Director at Calyx Software

JL Haber, Vice President of Programming at Multi Media Productions, added, "In our search for companies with innovative software solutions, Calyx Software stood out as a unique company. We are excited to have them as a guest on our program."

For specific market-by-market air dates and times, please e-mail Moniqueh@mmpusa.com. For more information, please visit http://www.21cbtv.com.

Calyx Software Introduces MyCalyx.com - June 15, 2010

Calyx Software®, the preferred provider of mortgage solutions for banks, credit unions, mortgage bankers and brokers, announced today the launch of MyCalyx.com™, the self-service web portal for users of Calyx solutions. MyCalyx simplifies Calyx account management with convenient web access and greater administrative control over Calyx accounts, allowing customers to spend more time building their businesses.

With MyCalyx, customers can save time and money on installation and upgrades of Calyx software. Downloading the software is quick and easy for each user assigned a login and password. Customers also now have greater control over seat assignments and can make changes with just a few clicks vs. uninstalling and reinstalling CD applications. “We’ve always been the low-cost provider of quality software and we are pleased to provide this significant convenience to our valued customers,” said Ted Hicks, product management group director for Calyx Software. “The added functionality of having a web portal allows greater control while keeping the process simple and the cost down.”

Point® 7.3, scheduled for release in October, 2010, will be the first software update to be deployed exclusively via MyCalyx. Beginning with this release, MyCalyx will offer additional benefit of a convenient e-commerce engine that enables new customers to purchase software and existing customers to purchase additional seats or upgrade their software. Training classes will also be available for purchase via MyCalyx at a later date.

To learn more or to convert a current Calyx account to MyCalyx, call 800-362-2599 to speak with a sales representative.

New Calyx Network Interface added to Point - June 2, 2010

New Calyx Network Interfaces added to Point - May 3, 2010

Calyx Software®, a provider of loan marketing, originating and processing software, has expanded The Calyx Network with an Interface Update. The Calyx Network allows users of Point® to connect directly with lenders and mortgage service providers, automating data exchange and streamlining the loan origination process all within the Point software. The May update contains a new connection to three new mortgage service providers located in the Interfaces menu:

• Interthinx, Inc. – Compliance
• MPS - Mortgage Pricing System – Product & Pricing
• T Transcript Processing – Verification Services

The monthly Calyx Network Interface update is automatically installed into Point versions 7.0 and higher when users open their software and connect to the Internet.

Calyx Software Introduces New Marketing Specialist - April 28, 2010

Calyx Software®, the preferred mortgage solution provider for banks, credit unions, mortgage bankers and brokers, announced today that Keely Colvin has been named marketing specialist. Colvin will take ownership of all marketing functions related to the Calyx Network and WebCaster. She will also be responsible for marketing for Training and Professional Services and tradeshow management.

“Keely’s ability to manage multiple projects successfully is a testament to her progressive and all-inclusive marketing experience,” said Jody Collup, director of marketing for Calyx Software. “We’re just beginning to uncover the scope of her talents.”

Colvin most recently served as the interim marketing manager for Billing Tree, where she was responsible for all marketing functions including design, tradeshow management, vendor management, as well as strategic planning and execution. Previously she held specialist and design positions at Message Masters, LLC, Pacific Learning, and The UPS Store.

“We were looking for someone who could quickly step in and manage our tradeshow participation throughout the nation,” continued Jody Collup. “We are thrilled that Keely has been able to take charge of our events with excellent creative and organizational skills that are proving to be of tremendous benefit to the team.”

New Product Manager for Calyx Software - April 28, 2010

Calyx Software®, the preferred mortgage solution provider for banks, credit unions, mortgage bankers and brokers, announced today that Roy Mitchell has been named product manager -- responsible for all compliance issues as well as management for Calyx’s flagship product, Point®. Mitchell comes with over 20 years of software engineering and product development experience.

“Roy’s extensive experience in software development and analysis will allow him to focus on current regulatory complexities within the industry,” said Ted Hicks, director of product management for Calyx Software. “His background demonstrates a remarkable command of process methodologies that will enable Calyx to quickly and efficiently develop more of the features and functionality that customers expect in our Point software.”

Mitchell’s most recent position was as a Senior Product Manager at itradeNetwork, the leading provider of supply chain management and intelligence solutions to the food industry. Prior to this role, Mitchell worked for Motiva and Commerce One in design, engineering, and consultant roles. Mitchell began his career focus on software development as an engineer for IBM.

Mitchell earned his Bachelor of Science degree in electrical engineering from Brunel University at Uxbridge, Middlesex, England. He is based in San Jose, California.

New Calyx Network Interfaces added to Point - April 1, 2010

Calyx Software®, a provider of loan marketing, originating and processing software, has expanded The Calyx Network with an Interface Update. The Calyx Network allows users of Point® to connect directly with lenders and mortgage service providers, automating data exchange and streamlining the loan origination process all within the Point software. The April update contains a new connection to two new mortgage service providers located in the Interfaces menu:

• Freedom Debt Relief – Additional Services
• Compliance EAGLE (QuestSoft Corp.) – Compliance

The monthly Calyx Network Interface update is automatically installed into Point versions 7.0 and higher when users open their software and connect to the Internet.

New Calyx Network Interfaces added to Point - March 2, 2010

Calyx Software®, a provider of loan marketing, originating and processing software, has expanded The Calyx Network with an Interface Update. The Calyx Network allows users of Point® to connect directly with lenders and mortgage service providers, automating data exchange and streamlining the loan origination process all within the Point software. The March update contains a new connection to one new mortgage service provider located in the Interfaces menu:

     - United Guaranty Corporation
         o Mortgage Insurance

These current Calyx Network members have also added additional Interfaces to Point:

     - Interface Menu:
          o Doc-Tech, Inc (Document Express) – Closing Documents

     - Services Menu:
          o Mortgage Banking Systems, Inc (Proclose) – Closing Documents
          o Mortgage Banking Systems, Inc (Proclose) – Initial Disclosures

The monthly Calyx Network Interface update is automatically installed into Point versions 7.0 and higher when users open their software and connect to the Internet.

New Calyx Network Interfaces added to Point - February 3, 2010

Calyx Software®, a provider of loan marketing, originating and processing software, has expanded The Calyx Network with a network interface update. The Calyx Network allows users of Point® to connect directly with lenders and mortgage service providers, automating data exchange and streamlining the loan origination process all within the Point software. The February interface update contains a new connection to two new interfaces from two current Calyx Network providers. The following Calyx Network companies have added an interface:

• Old Republic Credit Services – Verification Services
• First American CoreLogic – Verification Services

The monthly Calyx Network Interface update is automatically installed into Point versions 7.0 and higher when users open their software and connect to the Internet.

New Mortgage Service Providers and Interface Categories added to Point - December 7, 2009

Calyx® Software®, a provider of loan marketing, originating and processing software, has expanded The Calyx Network with a network interface update. The Calyx Network allows users of Point to connect directly with lenders and mortgage service providers, automating data exchange and streamlining the loan origination process all within the Point software. The December interface update contains a new connection to four additional mortgage service providers. The following companies have joined the Calyx Network and will now appear as new interfaces in Point user’s menus:

• The William Craig Company, Inc. - Appraisals
• Sharper Lending’s Appraisal Firewall - Appraisals
• Credit Information Systems - Bundled Services, Credit Reports
• National Payment Network’s Mortgage Acceleration Program – Additional Services

In addition these current Calyx Network members have added Interfaces to Point:

• CIC Credit’s TaxReturnVerifications.com – Verification Services
• SettlementOne – Bundled Services
• Certified Credit Reporting, Inc. - Appraisals

Two new interface categories have been added to Point as well. The Compliance and Additional Services categories will now appear in the Interfaces menu.

The monthly Calyx Network Interface update is automatically installed into Point versions 7.0 and higher when users open their software and connect to the Internet.

Calyx Software Customers Ready for 2010 Mortgage Compliance - November 18, 2009

Calyx® Software®, the preferred mortgage solution provider for banks, credit unions, mortgage bankers and brokers, announced today the release of Point® and PointCentral™ 7.2. Point combines the latest technology with the functionality that mortgage professionals require for loan marketing, prequalification, origination, and processing. PointCentral unites Point with business rules, remote access, and consolidated data storage. Version 7.2 offers compliance updates and increased functionality and flexibility for traditional originating and loan processing as well as mortgage banking processes.

Point 7.2 complies with RESPA regulations that require loan originators to include a provider list with the new standardized Good Faith Estimate (GFE) statement effective January 1, 2010. Additionally, in order to comply with the latest Fannie Mae mandate, Point 7.2 includes the new Transmittal Summary Form 1008 that is required for all loans taken on or after January 1, 2010 and the new Application Form 1003 that is required for all loans taken on or after July 1, 2010. With improved document storage, automatic co-borrower synchronization, and closing document interface enhancements, mortgage loan processing is even faster and more efficient.

Version 7.2 also offers enhanced banking screens to provide greater functionality and effectiveness. Customers will see remarkable improvements in the screens for Fees & Impounds, Warehouse/Funding, Shipping, Trailing Documents and Product & Pricing Interfaces. The Audit Trail feature, which allows the tracking of all field level and document management changes on a per loan basis, is only available in the PointCentral upgrade.

“We do everything we can to make sure our customers remain in compliance while responding to their requests for enhancements,” said Doug Chang, president of Calyx Software. “Offering our customers a broader mortgage solution that fulfills all of their needs allows them greater flexibility with room to grow.”

Confidence High for Calyx Customers - November 10, 2009

Calyx Point® 7.1, launched in August, 2009, includes the new GFE form, required for all loans beginning January 1, 2010, and is available to all current customers. In addition to providing the form early so that customers have an adequate adjustment period, Calyx also offers on-going training classes to help customers understand the form and how to use it.

“Because of the overwhelming response to our original GFE class schedule, we’ve scheduled more classes and will continue doing so as demand increases,” said Dee Dick, training manager at Calyx Software. “This is our way of offering a solution to a very confused industry, and our customers know they can trust us to make sure they’re completely compliant.”

The classes provide instruction on the purpose of the form and how information flows between the current GFE and the new one. During the GFE 2010 training, Calyx instructors will thoroughly explain each step of the process while students complete a disclosure in their own Point files. “We had so many questions and when we originally reviewed the new GFE, we were quite scared. After today’s training we are confident that we will be able to complete this properly,” said Laura Tosca with the MVP Mortgage Company in Miami.

In more compliance news, Point 7.2, which is launching this month, will include the new 1003 and 1008 forms that are also required in 2010.

Customers interested in learning about the new GFE can visit www.calyxsoftware.com/training for more information and scheduling.

New Mortgage Service Providers Added to Calyx Software Network - November 5, 2009

Calyx® Software®, a provider of loan marketing, originating and processing software, has expanded The Calyx Network with a network interface update. The Calyx Network allows users of Point to connect directly with lenders and mortgage service providers, automating data exchange and streamlining the loan origination process all within the Point software. The November interface update contains a new connection to four additional mortgage service providers. The following companies have joined the Calyx Network and will now appear as new interfaces in Point user’s menus:

• Flood Certification - UPF Incorporated
• Fraud Detection - UPF Incorporated
• Internet Services - Closing.com
• Closing Documents/Initial Disclosures – First American Nationwide Documents
• Title Reports – Timios, Inc.

Updates are automatically installed into Calyx Point, and new providers are added to the application on a monthly basis. The Calyx Network Interface update is automatically installed into Point versions 6.2 and higher when users open their software and connect to the Internet, with the exception of the Title/Escrow interface which will only be updated for versions 7.0 and higher.

Calyx Software Introduces New Blog Site - October 14, 2009

Calyx® Software®, the preferred mortgage solution provider for banks, credit unions, mortgage bankers and brokers, announced today the launch of “CalyxCorner,” the blog site for Calyx Software. CalyxCorner is the latest in a series of social media outlets that Calyx Software is using to keep customers informed and educated on the nuances of the constantly changing mortgage industry.

CalyxCorner will provide mortgage professionals and site visitors insight into the workings and events of Calyx Software, general industry and product news, as well as news regarding federal and state compliance issues. Multiple contributors to the sight offer a variety of opinions and specialized knowledge that will speak to the diversity of the mortgage industry, and the nation.

“CalyxCorner is the next step in educating our customers and giving them another avenue to share information and submit welcomed feedback through comments,” said Jody Collup, director of marketing for Calyx Software. “It’s just one more way Calyx Software is embracing the way our customers and their customers learn and conduct business—on the web.”

Find Calyx Software’s blog at www.calyxcorner.com. Follow Calyx on Twitter at www.twitter.com/calyxsoftware, become a Fan at www.facebook.com/calyxsoftware, or Link to www.linkedin.com/companies/21308. More information on Calyx Software’s mortgage solutions can be found on www.calyxsoftware.com.

Calyx Offers New Good Faith Estimate 2010 Training - October 6, 2009

Calyx® Software®, the preferred mortgage solution provider for banks, credit unions, mortgage bankers and brokers, has added a GFE 2010 training class to its current training schedule.

In order to satisfy revised RESPA regulations, loan originators must provide the new standardized Good Faith Estimate beginning January 1, 2010. In the GFE 2010 class, participants will learn the purpose of the form and how information flows between the current GFE and the new one. They can actually complete a disclosure in their own Point files, with the Calyx instructor walking them through the process, while also learning how and from where each field is populated.

“We realize the new GFE can be a challenge,” said Doug Chang, CEO. “This class will make the transition to the new GFE a seamless effort for Calyx customers.”

Among the challenges addressed in GFE 2010 training are proper use and population of the Originator field; completing the Important Dates section correctly; and detailed instructions regarding the Escrow Account Information and related check boxes on page one of the GFE. Clarification of fees and charges and how to enter them on page two is also included, along with recommended practices for Third Party Originators and meeting Regulation Z requirements. Page three topics include explanation of the various fee-related categories; the Trade-Off Table section that allows the borrower to compare different options for closing costs/interest rates and monthly payments; and the Shopping Cart, which allows the borrower to compare GFEs submitted by different lenders.

New Mortgage Service Provider Added to Calyx Software Network - October 1, 2009

Calyx® Software®, a provider of loan marketing, originating and processing software, has expanded The Calyx Network with a new network interface update. The Calyx Network allows users of Point® to connect directly with lenders and mortgage service providers, automating data exchange and streamlining the loan origination process. The October interface update contains a new connection to one additional mortgage service provider. The following company has joined The Calyx Network:

• Closing Docs - Robertson & Anschutz – Docs on Demand

Updates are automatically installed into Calyx Point, and new providers are added to the application on a monthly basis. The Calyx Network Interface update is automatically installed into Point versions 6.2 and higher when users open their software and connect to the Internet, with the exception of the Title/Escrow interface which will only be updated for versions 7.0 and higher.

New Mortgage Service Provider Added to Calyx Software Network - Interface update expands connections to mortgage service providers - September 3, 2009

Calyx® Software®, a provider of loan marketing, originating and processing software, has expanded The Calyx Network with a new network interface update. The Calyx Network allows users of Point® to connect directly with lenders and mortgage service providers, automating data exchange and streamlining the loan origination process. The September interface update contains a new connection to one additional mortgage service provider. The following company has joined The Calyx Network:

• Outsource Processing - ATLOS Processing & Document Management Software

Updates are automatically installed into Calyx Point, and new providers are added to the application on a bi-monthly basis. The Calyx Network Interface update is automatically installed into Point versions 6.2 and higher when users open their software and connect to the Internet, with the exception of the Title/Escrow interface which will only be updated for versions 7.0 and higher.

Calyx Software Releases Point Version 7.1 - August 26, 2009

Calyx® Software®, the preferred mortgage solution provider for banks, credit unions, mortgage bankers and brokers, announced today the release of Point® 7.1. Calyx Point combines the latest technology with the breadth of functionality that mortgage professionals require for loan marketing, prequalification, origination, and processing. Point 7.1 contains several upgrades to functionality designed to facilitate loan processing in various areas. Most importantly, Point 7.1 addresses two federal requirements that will keep lenders in compliance and includes a modified TIL form with recommendations specified by recent Truth-in-Lending Act amendments.

In order to comply with the federal and any state requirements stemming from the S.A.F.E. Mortgaging Act under new FHFA regulations, Point 7.1 offers applicable input fields and prints the NMLS number and license number (if applicable) of the loan originator, loan originator company, branch and the control person on the top of all forms. Additionally, Point 7.1 complies with HUD’s final rule of the revised RESPA regulations that requires loan originators to provide a new standardized Good Faith Estimate (GFE) statement effective January 1, 2010. To help customers transition to the new form, Point 7.1 uses the existing GFE to populate most of the fields and calculations for the new GFE (called the GFE 2010).

New features included in Point 7.1 include the ability to populate Forms 4506/4506-T within a Point screen and print them out complete with other forms needed during the application process. This significant feature, which enables larger, bolder font for mandated fields, will reduce the number of requests denied by the IRS due to illegible forms. Enhancements to Direct Connect title/escrow screens allow increased customization to the interface. “The 7.1 upgrade is necessary primarily because of the latest federal requirements but the bonus forms and improved functionality really contribute to its appeal,” said Doug Chang, president of Calyx Software. “We always look for ways to provide Calyx customers with affordable tools that will keep them productive and compliant.”

Point provides electronic storage for all loan documentation and imaging. Point also features comprehensive reports such as instant loan status information, cost of doing business, and a book of business summary. With robust features, flexible reporting capabilities, and ease of use, Point is the ideal system of record for mortgage professionals.

Calyx Opens New Training Classes for Customers - August 5, 2009

Calyx® Software®, the preferred mortgage solution provider for banks, credit unions, mortgage bankers and brokers, has added seven new, more comprehensive training classes to its current training schedule.

Beginning the first week of August, customers can take advantage of new, interactive online training classes, on top of the new Professional Services offering, to help them use and get the most out of their Calyx Point® and PointCentral™ software.

New 90-minute classes include:
• Getting Started in Point
• PointCentral Admin – Basic
• PointCentral Admin – Advanced
• Originating Loans in Point
• Processing in Point
• Point Configuration
• Point for Bankers

“We widened the scope of our current training classes in an effort to help Calyx customers get the most out of all aspects of our software to increase their daily efficiencies,” said President Doug Chang. “We realized the need for more information in these specialized areas and have worked hard to get these classes developed and available to our users.”

Along with the seven new online classes, four of the current, highly successful training sessions have been revamped and updated. Visit www.calyxsoftware.com/training/ to learn more about Calyx’s new training classes.

Calyx Launches New Professional Services Program - Professional Services provides extensive one-on-one customized consultations - July 15, 2009

Calyx® Software®, the preferred mortgage solution provider for banks, credit unions, mortgage bankers and brokers, has launched its Professional Services division. Professional Services allows Calyx customers to use consultants, extensively experienced in the industry as well as with Calyx products, to aid them in setting up their mortgage platform.

Interested customers will be run through a needs assessment process to identify their true needs and determine whether an onsite or an online consult is more appropriate for their goals. From that point their customized consult is scheduled and delivered as quickly as possible.

Calyx Professional Services offerings include, but are not limited to:
•Assistance with specifying hardware and software for PointCentral™ development
•Migrating data from Calyx Point® or other legacy systems into PointCentral
•Efficiently deploying PointCentral in a multi-branch environment
•Setting up Business Rules and organizing business processes
•Developing and maintaining multiple template sets for centralized control and rapid download to all clients
•Setting up custom forms and management reports

“Our goal has always been to be with customers through the whole process of purchasing and installing our software,” said President Doug Chang. “Instead of just training customers on how to use their software, now we can set it up for them while also helping them identify areas where the software can improve their efficiency and business profitability. We continually strive to provide the best services to help our customers remain successful.”

New Mortgage Service Providers Added to Calyx Software Network - Interface update expands connections to mortgage service providers - July 14, 2009

Calyx® Software®, a provider of loan marketing, originating and processing software, has expanded The Calyx Network with a new network interface update. The Calyx Network allows users of Point® to connect directly with lenders and mortgage service providers, automating data exchange and streamlining the loan origination process. The July interface update contains a new connection to three additional mortgage service providers.

The following companies have joined The Calyx Network:
•Appraisals - ValuFinders Inc.
•Title/Escrow - NexGen Compliance Solutions, LLC
•AVM Reports and Flood Certficiation - MDA Lending Solutions, Inc.

Updates are automatically installed into Calyx Point, and new providers are added to the application on a bi-monthly basis. The Calyx Network Interface update is automatically installed into Point versions 6.0 and higher when users open their software and connect to the Internet.

Calyx Software Recognized as Top 50 Service Provider by Mortgage Technology Magazine - June 25, 2009

Calyx® Software®, the preferred mortgage solution provider for banks, credit unions, mortgage bankers and brokers, has been selected as one of the 2009 Top 50 Service Providers by Mortgage Technology. The annual award is presented to technology vendors based on four major criteria that encompass attributes that customers look for when choosing a vendor for long term relationships.

“Our four major criteria for inclusion of eligible vendors and service providers on our list are customer satisfaction, functionality, market share and viable revenue model,” said Anthony Garritano, editor at Mortgage technology Magazine. “Demonstrating functional value to lenders is our most important criterion. It is crucial that the providers on our list have satisfied users and show the ability to hold them by keeping those customers apace of the technology deployed by competing lenders.”

“Being honored by Mortgage Technology with this award tells us we are doing something right for our customers,” said Doug Chang, founder and president of Calyx Software. “This company was founded with the vision to provide accessible, affordable, and reliable software for all mortgage professionals and we’re proud to see that vision fulfilled in a meaningful way.”

The Calyx Solution consists of multiple products and connects loan officers and processors to borrowers, lenders and service providers using technology that allows all parties to exchange data easily. The solution offers a complete platform for managing all aspects of the loan process, including marketing, prequalification, origination, automated underwriting and processing.

Calyx Software Now on Twitter - June 16, 2009

Calyx® Software®, the preferred mortgage solution provider for banks, credit unions, mortgage bankers and brokers, announced that they are now tweeting. Customers now have a new source for software and industry news and tips on a daily basis through Twitter.

Twitter is a free social networking site that allows users to post brief updates and read the updates (or “tweets”) of other users. Calyx Software will keep customers up to date with daily tweets on important industry news and compliance issues, product tips as well as company information and announcements.

Customers can find and follow Calyx Software on Twitter at http://twitter.com/CalyxSoftware..

Calyx Software Announces Convenient Hosting Option for PointCentral - Monthly lease program provides low cost alternative to internal system implement - May 19, 2009

Calyx® Software®, the preferred mortgage solution provider for banks, credit unions, mortgage bankers and brokers, announced today the availability of a server hosting option for PointCentral™, the newest offering that enables remote users to access all loan information via a secured Internet connection. The hosted option gives mortgage companies, which have purchased PointCentral, the ability to store Point® loan files on a secure outsourced central server. Calyx Software has partnered with Access Business Technologies (ABT) and focusIT, Inc. to offer a choice for customers who opt for hosting services on a monthly lease basis. The hosting program minimizes up front capital expenditures and time otherwise spent purchasing and implementing an internal server.

“The hosting option is perfect for those companies that may not have access to a central server or the ability to purchase one,” said Dennis Boggs, senior vice president of Calyx Software. “Companies that lack an information technology (IT) department or other outside resources to assist in setting up their PointCentral server are also good candidates for the hosting option as all of the work and immediate costs involved are negated. We’re proud to be able to work with ABT and focusIT for these services. They provide our customers with the same high levels of support and service they deserve and have come to expect from Calyx.”

Calyx’s PointCentral is a comprehensive data management solution that fits the needs of any size company—from a single office to a network with multiple offices or remote employees. PointCentral not only provides a centralized repository for all loan documentation and imaging, but also allows authorized users to apply field-level rules and conditions. Controlled access to screens, document storage, conversation logs, utilities and templates, meets the needs of financial institutions that require a higher level of security. Calyx’s secure hosting option also ensures the ability to meet ever-changing and increasingly stricter compliance standards.

“With today’s mobile environment, it’s crucial that all loan data is stored in a secure location while also allowing remote accessibility,” Boggs continued. “Our new hosting program provides an easy-to-deploy and affordable solution for organizations looking for enterprise-wide capabilities. In an increasingly competitive industry, Calyx provides yet another low priced program that drives costs and inefficiencies out of the loan origination process, resulting in improved productivity and profits for our customers.”

PointCentral is extremely affordable starting at $595 with $175 per seat for up to 10 seats. The price per seat is reduced incrementally for companies that require more than 10 seats. The hosting option starts at $59 per month with no set-up fees.

New Mortgage Service Providers Added to Calyx Software Network - Interface update expands connections to mortgage service providers - May 12, 2009

Calyx® Software®, a provider of loan marketing, originating and processing software, has expanded The Calyx Network with a new network interface update. The Calyx Network allows users of Point® to connect directly with lenders and mortgage service providers, automating data exchange and streamlining the loan origination process. The May interface update contains a new connection to three additional mortgage service providers. The following companies have joined The Calyx Network:

• Appraisals - AMC Links
• Outsource Processing - Retreat Capital Management, Inc
• Product & Pricing - Sollen Technologies

Updates are automatically installed into Calyx Point, and new providers are added to the application on a bi-monthly basis. The Calyx Network Interface update is automatically installed into Point versions 6.0 and higher when users open their software and connect to the Internet.

Calyx Software Names New Product Sales Team Manager - March 25, 2009

Calyx® Software®, the preferred mortgage solution provider for banks, credit unions, mortgage bankers and brokers, announced today that Wade Brantley has been named product sales team manager and is responsible for the overall sales management of Point®, PointCentral™, and WebCaster®. Brantley comes with extensive sales team management experience in the insurance, legal, and mortgage banking arenas.

“We are fortunate to have found someone with a solid mortgage banking background as well as Point experience”, said Dennis Boggs, senior vice president of Calyx Software. “His knowledge of Point from a customer’s perspective will be invaluable in providing insights that will ensure that we continue providing the excellent customer service and support that we are known for.”

Brantley has more than 13 years experience in the mortgage industry. He has also managed mortgage divisions at several mortgage banking operations, leading them to be consistently ranked among the highest in the industry. Most recently, Brantley served as business development director for BNR marketing in Raleigh, NC, where he increased revenues by 35 percent. Previously, as vice-president of mortgage operations for newly opened New Dominion Bank, Brantley grew loan volume from $0 to $144M in the first year.

“The numbers speak for themselves,” continued Dennis Boggs, senior vice president of Calyx Software. “With Wade’s track record of building both internal teams and client loyalty, we are confident that he will prove to be a great asset to Calyx and our valued customers.”

Brantley earned his bachelor of science in business administration from the University of South Carolina. He will be based in Dallas, Texas.

Calyx Software Releases Point and Point Central Version 7.0 - March 16, 2009

Calyx® Software, a provider of loan marketing, originating, processing and banking software, announced at the MBA Tech Conference the release of Point® and Point Central™ versions 7.0.

Point version 7.0 provides a number of new capabilities to improve workflow and increase loan productivity - including central document image storage capabilities for e-loan purposes as well as enhancements to banking screens, title and escrow interfaces and the addition of a new FHA statutory worksheet.

Due to the increased use of e-loans and e-docs, Calyx has integrated a document image storage feature for organizing and storing all of the documents in each Point file. Point automatically encrypts, compresses and associates each document with the loan file, regardless of whether the document is single or one of a group, from within Point or one of its interfaces, or from outside of Point. Externally-generated documents can be scanned and imported, or dragged and dropped, into the Point file, while maintaining an audit trail for each document that shows who created it, what it contains, and the date and time it was created. With its enhanced security, Doc Storage formats email documents into PDF files using 128-bit encryption and individually set passwords for each document in the storage file.

Another significant change Point 7.0 offers enhancements to the banker screens. Users can use Point as a single system of record, from origination through product pricing, registration and rate lock, underwriting, and eventually to closing and sale on the secondary market. The banker screens in 7.0 support user’s daily workflow more effectively and there is increased clarity in documentation tracking and reporting.

Additionally, title and escrow interfaces have been directly embedded into Point 7.0. Working within Point, users can now order all needed forms from a document provider. Calyx Point 7.0 also includes a worksheet enabling brokers and lenders to perform statutory required calculations and document them in the loan origination file, in order to comply with FHA requirements. The new worksheet saves hours of repetitive data entry, as information flows from screen to screen, while ensuring that the loan is in compliance throughout the Point file.

“We are excited for the new changes made in version 7.0, especially regarding the additional enhancements made to Point banker screens that satisfy a wider range of business requirements for bankers as well as brokers, “ said Dennis Boggs, senior vice president of Calyx Software. “The latest updates benefit users by providing pertinent information directly that is needed throughout the loan process, while also allowing them to remain in Point and further save valuable time. “

PointCentral provides all the benefits and functionality of the Point program; but also allows remote users to access all loan documentation via a secured Internet connection and gives customers the ability to apply field-level rules and conditions for quality and compliance purposes. PointCentral's flexible technology is ideal for the broker, bank, credit union as well as the mortgage banker.

The solution also has a very affordable pricing structure to make it easy for customers to either purchase new or upgrade from their existing Point subscriptions. Users can choose to manage their PointCentral software on their own server or take advantage of one of our third party hosting providers for a low monthly service charge.

“Our goal is to ensure that Point and PointCentral consistently remain the products of choice in the mortgage industry,” said Dennis Boggs, senior vice president of Calyx Software. “The newest versions also ensure users are in compliance, allowing them to focus on effectively and efficiently close loans.”

Calyx Software Releases Point 6.2b Update - Download addresses mandatory compliance update - January 14, 2009

Calyx Software®, the mortgage industry’s leading provider of loan marketing, originating and processing software, announced that Point® 6.2b is now downloadable for Point customers.

Point 6.2b addresses the first mandatory compliance update for the new RESPA Rules that include a HUD modified Regulation X and updated Servicing Disclosure Statement, required to be used beginning January 16, 2009. The new download requires 6.2 or 6.2a be installed on a Point user’s computer and allows users to remain in compliance while upgrading to the latest version of Point and its capabilities.

“Calyx strives to ensure that our customers are always in compliance with government regulation changes,” said Ted Hicks, product management group manager at Calyx Software. “As the mortgage industry’s rules and regulations become more strict and require greater compliance, we are dedicated to supporting the changes and providing Point users with the tools necessary to abide by them.”

The form has been reduced to one page and is now listed as “Servicing Disclosure Statement” on the print menu. Point users can visit www.calyxsupport.com to download 6.2b.

New Mortgage Service Provider Added to Calyx Software Network - January 13, 2009

Calyx® Software, the mortgage industry’s leading provider of loan marketing, originating and processing software, has expanded The Calyx Network with a new network interface update. The January Calyx Network Interface update contains a new connection to an additional mortgage service provider. The Calyx Network allows users of Calyx Software’s Point® loan origination software to connect directly with lenders and mortgage service providers, automating data exchange and streamlining the loan origination process.

Updates are automatically installed into Calyx Point, and new providers are added to the application on a bi-monthly basis. The Calyx Network Interface update is automatically installed into Point versions 6.0 and higher when users open their software and connect to the Internet.

The following mortgage service provider has joined The Calyx Network:
•Closing Documents
· Black, Mann & Graham, L.L.P. - JetDocs Interface

Calyx Software Gains 35 New Mortgage Service Providers in 2008 - Company introduces new versions of Calyx Point, Web Caster products - December 18, 2008

Calyx Software a provider of loan originating and processing software for the mortgage industry, announced it added 35 new mortgage service providers to The Calyx Network during 2008. The Calyx Network enables users of Calyx Software’s Point loan origination software to connect directly with lenders and mortgage service providers, automating data exchange and streamlining the loan origination process. Among the types of service providers joining The Calyx Network in 2008 were companies offering services for mortgage closing documents, flood certification, title and escrow, hazard insurance, product pricing, and other outsourcing document service companies.

Much of the Network’s growth is attributed to the success of Calyx’s Point loan origination software. During the year, Calyx introduced two new versions of the software, including the current version 6.2, which features the new FHA Loan Underwriting and Transmittal Summary form as well as the FHA HUD/VA 92900 addendum form, enabling Point users to process an FHA loan more efficiently through Point. Users can easily print and send documents directly to the lender in a timely fashion.

Additionally, Calyx announced the latest release of WebCaster, its affordable Web site service that enables mortgage professionals to market their business online. The latest version includes the integration of the Consumer Handbook on Adjustable Rate Mortgages (CHARM) booklet, that is a mandatory disclosure to be presented at the time of application to borrowers who apply for a mortgage loan online.

“During this turbulent time in the mortgage industry, it is rewarding to know that Calyx is still making a difference in loan origination software and continuing to improve upon the products and services that we offer our customers,” said Dennis Boggs, executive vice president of Calyx Software. “As we move into 2009, we anticipate more change and are dedicated to providing mortgage professionals with flexible, easy-to-use, affordable software that benefits both the service provider and the loan originator from lead to close.”

New Mortgage Service Providers Added to Calyx Software Network - November 12, 2008

Calyx Software, the mortgage industry¡¦s leading provider of loan marketing, originating and processing software, has expanded The Calyx Network with a new network interface update. The November Calyx Network Interface update contains a new connection to five additional mortgage service providers. The Calyx Network allows users of Calyx Software¡¦s Point loan origination software to connect directly with lenders and mortgage service providers, automating data exchange and streamlining the loan origination process.

Updates are automatically installed into Calyx Point, and new providers are added to the application on a bi-monthly basis. The Calyx Network Interface update is automatically installed into Point versions 6.0 and higher when users open their software and connect to the Internet.

The following mortgage service providers have joined The Calyx Network:
• Closing Documents
Docprep Services
Guardian Mortgage Documents
Digital Docs
Accurate Document Service
• Outsource Processing
MTG Processor

Calyx Software Launches New Online Seminar Regarding Origination of FHA Loans - October 20, 2008

Calyx Software, a provider of loan origination and processing software for the mortgage industry, announced it is offering a new online seminar called “FHA Live: Meet with the Expert,” which provides mortgage professionals with tactical skills to more easily originate and process FHA loans using Calyx Point, the company’s loan origination software system.

The training package, which is accessed via the Internet, has been added as a supplement to Calyx’s existing classes and includes a 90-minute live Webinar and a “New FHA Regulations” video. The seminar consists of live online instruction led by a Calyx certified training professional and provides attendees with a question and answer session to learn more about the standard FHA guidelines and basic requirements for qualifying borrowers. Online classes are currently being offered on an ongoing basis.

“FHA Live has been designed to provide mortgage professionals with insight into how FHA loans can increase their business, as this expanding market segment becomes an even more important component of the products offered to borrowers,” said Dennis Boggs, senior vice president of Calyx Software. “We feel it is critical that originators understand the recent changes to the FHA rules and regulations and how those changes have been implemented into Point. FHA Live provides a new look at the way FHA loans are originated and offers tips on how the origination of these loans can be managed most effectively.”

For more information and to learn more about upcoming events, visit www.calyxsoftware.com/training.

Calyx Software Updates WebCaster Web Site Service - October 9, 2008

SAN JOSE, CA– Calyx Software, the mortgage industry’s leading provider of loan originating and processing software, announced the latest release of WebCaster, its affordable Web site service that enables mortgage professionals to market their business online. The enhancements include the addition of 12 new site designs, providing more than 60 different template options.

Calyx’s WebCaster product offers a wide array of site designs to provide brokers with a professional Web site that complements their brand identity most effectively. With the addition of twelve new templates, mortgage professionals can now develop a unique style to reflect their specific business image.

Additionally, the latest version includes the integration of the Consumer Handbook on Adjustable Rate Mortgages (CHARM) booklet, that is a mandatory disclosure to be presented at the time of application to borrowers who apply for a mortgage loan online. Additional enhancements have also been made to the short loan application to include further background information about borrowers and the type of loan needed. The new features added to WebCaster simplify the loan process and provide more accessible prequalification applications.

WebCaster is specifically designed to work with Calyx’s loan origination system (LOS) software Point®, and offers WebCaster Desktop, a feature that notifies originators as soon as prospects submit loan applications on their WebCaster site. Those applications are then securely transferred directly to Point or Point Data Server™ for subsequent processing. This feature can be downloaded from the WebCaster Administration site at no additional cost to WebCaster subscribers.

“The way that a loan originator does business can be significantly streamlined through the use of online applications because Calyx WebCaster is such an affordable solution,” said Ted Hicks, Manager of Product Design and Research at Calyx Software. “By following a few simple steps, a mortgage broker can have a custom designed Web site that provides around the clock service to clients, leading to increased revenue for his or her business.”

Calyx Software Implements New FHA Loan Documents in Point 6.2 - September 17, 2008

DALLAS, TX - Calyx Software, the mortgage industry's leading provider of loan origination and processing software, announced the release of Point, version 6.2. The latest version of the Point application is fully compliant with recent FHA changes that include the new forms required for all FHA loans beginning October 1, 2008.

Point 6.2 features the new FHA Loan Underwriting and Transmittal Summary form as well as the FHA HUD/VA 92900 addendum form. The FHA Loan Underwriting and Transmittal Summary form replaces both the FHA Mortgage Credit Analysis Worksheet Purchase Money Mortgages (MCAW) (HUD-92900-PUR) and FHA Mortgage Credit Analysis Worksheet (HUD-92900-WS). The FHA HUD/VA 92900 Addendum has also been updated with mandatory changes including signature lines for co-borrowers and new required verbiage. The new forms enable Point users to process an FHA loan more efficiently through Point. Users can easily print and send documents directly to the lender in a timely fashion.

Point 6.2 also includes newly updated California Mortgage Loan Disclosure Statement for Traditional and Non-Traditional loans that was approved by the California DRE on 8/15/08.

The latest version also marks the return of the one-page legal sized Good Faith Estimate. The summary section at the bottom of the form has been enhanced. All charges are now aligned on the left and all credits on the right, making it easier for borrowers to understand the terms and closing costs associated with their loan.

"Our goal is to ensure that Point consistently remains the product of choice in the mortgage industry", said Dennis Boggs, senior vice president of Calyx Software. "The addition of the updated FHA regulatory documents to version 6.2 keeps Calyx Software in the leading role of providing easy-to-use loan origination software for FHA loan originators."

For a complete listing of the Point 6.2 enhancements, go to www.calyxsoftware/go/newinpoint.

New Mortgage Service Providers Added to Calyx Software Network - September 10, 2008

Calyx Software, the mortgage industry’s leading provider of loan marketing, originating and processing software, has expanded The Calyx Network with a new network interface update. The September Calyx Network Interface update contains a new connection to two additional mortgage service providers. The Calyx Network allows users of Calyx Software’s Point loan origination software to connect directly with lenders and mortgage service providers, automating data exchange and streamlining the loan origination process.

Updates are automatically installed into Calyx Point, and new providers are added to the application on a bi-monthly basis. The Calyx Network Interface update is automatically installed into Point versions 5.4 and higher when users open their software and connect to the Internet.

The following mortgage service providers have joined The Calyx Network:
- Lenders- LendingClub Personal Loans
- Closing Documents - DeedPro

New Mortgage Service Providers Added to Calyx Software Network - July 15, 2008

SAN JOSE, Calif.– Calyx Software, the mortgage industry’s leading provider of loan marketing, originating and processing software, has expanded the Calyx Network with a new network interface update. The July Calyx Network Interface update contains a new connection to five additional mortgage service providers. The Calyx Network allows users of Calyx Software’s Point loan origination software to connect directly with lenders and mortgage service providers, automating data exchange and streamlining the loan origination process.

Updates are automatically installed into Calyx Point, and new providers are added to the application on a bi-monthly basis. The Calyx Network Interface update is automatically installed into Point versions 5.2 and higher when users open their software and connect to the Internet.

The following mortgage service providers have joined The Calyx Network:
•Bundled Services - RealEC Technologies
•Product and Pricing Engine - SearchMyLoan.com, Inc.
•Title Reports - Mortgage Connect, LP
•Internet Services - LOAlert.com
•Credit Reports - Equifax Web Services

About Calyx Software Calyx Software is dedicated to helping mortgage brokers, mortgage bankers, and direct lenders increase their profitability by providing reliable and affordable software that streamlines and optimizes all phases of the loan process. The Calyx Network connects loan officers and processors to over 300 lenders and service providers, using technology that allows all parties to exchange data easily. This seamless interaction, coupled with the robust features in the Calyx Point solution product line, increases efficiency and maximizes profitability by enabling more loans to close quickly. For more information, call (800) 362-2599 or visit the company’s Web site at www.calyxsoftware.com.

Calyx Software Recognized as Top 50 Service Provider by Mortgage Technology Magazine - July 2, 2008

SAN JOSE, Calif.,– Calyx Software®, the mortgage industry’s leading provider of loan originating and processing software, has been selected as one of the 2008 Top 50 Service Providers by Mortgage Technology. The annual award is presented to technology vendors based on four major criteria including customer satisfaction, functionality, market share and viable revenue model.

"This year at Mortgage Technology magazine, we have embraced new technologies on our end to allow companies to provide us with information detailing why they should be included on our list," said Anthony Garritano, editor of Mortgage Technology. "Our commitment ensures that the list includes true mortgage technology leaders.”

According to the Wholesale Access 2006 Mortgage Broker Study, Calyx maintains approximately 68 percent of the loan origination software market share. Through the Calyx Network, mortgage professionals are able to electronically request services from a wide range of service providers, including appraisers, credit reporting, flood certification, title and escrow service companies, and automatically process and attach supporting data and documents to electronic loan files within Calyx Point®, dramatically reducing data entry and loan processing cycles.

“We are honored to be selected as one of Mortgage Technology’s Top 50 Service Providers,” said Dennis Boggs, senior vice president of Calyx Software. “We have maintained the dominant market share in loan origination software since 2000 by providing loan originators with user-friendly solutions that streamline the loan process.”

The Calyx Solution® is the company’s platform for managing the mortgage loan process and includes Point, Point Data Server® and WebCaster®. Point provides comprehensive mortgage functionality for loan prequalification, origination, underwriting, processing, management and reporting. Point Data Server manages loan data stored on a central server, making Point files accessible from virtually any location. WebCaster is Calyx’s Web site service for mortgage professionals that provides seamless integration with Point and Point Data Server.

About Calyx Software Calyx Software is dedicated to helping mortgage brokers, mortgage bankers, and direct lenders increase their profitability by providing reliable and affordable software that streamlines and optimizes all phases of the loan process. The Calyx Network connects loan officers and processors to over 300 lenders and service providers, using technology that allows all parties to exchange data easily. This seamless interaction, coupled with the robust features in the Calyx Point solution product line, increases efficiency and maximizes profitability by enabling more loans to close quickly. For more information, call (800) 362-2599 or visit the company’s Web site at www.calyxsoftware.com.

Document Express and Calyx Software Launch New Integration - May 28, 2008

Palatine, IL - This new integration will allow mortgage professionals to order, retrieve and deliver their closing documents and initial loan disclosures without having to leave the Calyx Point software while realizing the cost savings associated with reduced steps and elimination of double-entry and potential data discrepancies. “Calyx is pleased to be integrating Document Express in order to give Point customers a cost-effective, reliable, efficient way of meeting their mortgage needs” said Keith Kemph, National Interface Sales Manager. Other integrations already underway will allow Calyx Point users to take advantage of all related services offered by Document Express, including flood certifications and high cost lending analysis reports. All services are seamless, easily accessed and guaranteed compliant by Document Express. The company has a proven track record of providing quality closing products and outstanding customer satisfaction since 1992.

“All data-even custom data-comes directly from Point and is transferred directly to respective closing documents thanks to application of the latest MISMO standards and the leading edge technologies proudly used by Document Express,” said Lori Johnson, VP of Operations. “This is the type of integration we’ve been looking to provide in connection with origination systems, and it’s exactly what our customers are looking for. There is no longer any need to be concerned with lost data, re-keying errors or users needing to learn several closing systems-they enter it once in Point, order and get our quality products and services in seconds. What could be easier?”

Document Express, Inc. is a nationwide document preparation company that has been providing fully compliant and guaranteed loan closing documents, initial disclosures, flood certifications and high cost loan analysis reports to the lending community since 1992. For more information about Document Express, Inc and its products, please visit www.documentexpressinc.com Calyx Software is dedicated to helping lenders, mortgage brokers, mortgage bankers, and vendors increase their profitability by providing reliable and affordable software that streamlines and optimizes all phases of the loan process—from loan marketing through closing. The Calyx Network connects loan officers and processors to lenders and service providers using technology that allows all parties to exchange data easily. This seamless interaction, coupled with the robust features in the Point product line, increases efficiency and maximizes profitability by enabling more loans to close more quickly. For more information about Calyx Software, please visit www.calyxsoftware.com.

Calyx Software Introduces Software Development Kit - May 20, 2008

—Point SDK enables more efficient integration with Calyx Point —

DALLAS — Calyx Software^®, the mortgage industry’s leading provider of loan origination and processing software, announced the general availability of Point Software Development Kit^™ (SDK). The new product facilitates integration with a client’s internal applications or with third party vendors seeking compatibility with Calyx Point^® loan origination software.

“We are extremely pleased to introduce Point SDK, Calyx’s newest offering that enables companies to integrate their current customer relationship management system, sales tools, lead generation software or any other back office systems with Calyx Point,” said Dennis Boggs, senior vice president of Calyx Software. “The Software Development Kit allows the transfer of data to and from Point and other business applications, streamlining company processes.”

Point SDK serves as a two-way interface, providing the ability to read information from or write information into Point. It enables a company to develop applications that can access Point loan data from local folders or from Point Data Server, the company’s central system for managing distributed data between offices. Point SDK requires Calyx Point version 6.1 or later and a .NET 2.0 compatible development tool.

For more information regarding Point SDK, contact Johnathan Smith, sales engineer for Calyx Software at jonathan_smith@calyxsoftware.com or (214) 252-5627.

New Mortgage Service Provider Added to Calyx Software Network - May 13, 2008

—Interface update expands connections to mortgage service providers—

Calyx Software^®, the mortgage industry’s leading provider of loan origination and processing software, has expanded the Calyx Network with a new network interface update. The May Calyx Network Interface update contains a new connection to an additional mortgage service provider. The Calyx Network allows users of Calyx Software’s Point^® loan origination software to connect directly with lenders and mortgage service providers, automating data exchange and streamlining the loan origination process.

Updates are automatically installed into Calyx Point, and new providers are added to the application on a bi-monthly basis. The Calyx Network Interface update is automatically installed into Point versions 5.2 and higher when users open their software and connect to the Internet.

The following mortgage service provider has joined The Calyx Network:
• Title Reports
—First Integrity Title Agency, LLC

Calyx recently reported that from January to April 2008, 12.2 million distinct business transactions took place on 4.3 million Calyx Point loan files from 35,000 companies.

Calyx Software Releases Point and Point Data Server Version 6.1 - May 6, 2008

—New enhancements include workflow management tools, compliance updates, additions to Calyx Network—

DALLAS – Calyx Software^®, the mortgage industry’s leading provider of loan origination and processing software, announced today the release of Point^® and Point Data Server^® versions 6.1. The latest version of the Point application includes a new loan status checklist that enables users to manage their workflow. Initial disclosure, closing documents and hazard insurance categories have also been integrated into the Calyx Network.

Point version 6.1 provides a number of new capabilities to streamline the loan process. Users can track the current status of a loan and manage their daily workflow by accessing a loan checklist viewable on every screen in Point, displaying the status of all incoming and outgoing loan documents. The banker screens in 6.1 have also been reorganized to support user’s daily workflow more effectively and new fields have been added for clarity in documentation tracking and reporting. Point marketing tools have been expanded, enabling users to easily create personalized letters, newsletters, promotional e-mails and mailing labels.

Additionally, initial disclosures, closing documents and hazard insurance categories have been directly embedded into 6.1. Working within Point, users can now order all needed forms from a document provider. Users can easily print and send disclosures directly to the borrower in a timely fashion. With the new closing document platform, data can be entered into the system to generate reports within minutes of placing the order. Point users can also increase their level of customer service by generating a hazard insurance quote within seconds for their clients.

Point Data Server software enables all of an organization’s employees to access centralized loan files and templates with exceptional speed and security, no matter where they work. Point Data Server 6.1 includes a new automatic file synchronization capability, ensuring loan files reside on the central server rather than on an individual’s computer. The feature enables business owners to keep loan data in sync throughout their organization.

“Our goal is to ensure that Point and Point Data Server consistently remain the product of choice in the mortgage industry,” said Dennis Boggs, senior vice president of Calyx Software. “The newest versions enable users to remain compliant, and work more efficiently while increasing the number of loans closed. Version 6.1 paves the way for some exciting additions to come in the near future.”

Calyx Software Teams With Industry Leader Greg Frost to Provide Marketing Tools - April 15, 2008

— Proven marketing solutions available for users of Point loan origination system —

DALLAS – Calyx Software ^® , the mortgage industry’s leading provider of loan origination and processing software, announced an agreement with Greg Frost, a top producing loan originator who actively teaches and mentors successful loan professionals, to integrate marketing templates into Calyx’s Point^® loan origination software. Calyx users can now generate and maintain their customer pipeline information and increase loan volume by utilizing Frost ’s cross selling and client retention marketing solutions.

Included in the limited time, free offering are nine marketing templates created by Frost that contain customized ARM conversion letters, birthday cards, referral letters, tax preparation and after closing notices available for borrowers, real estate agents, reverse mortgage borrowers, listing and selling agents. Each template corresponds to a report to ensure that names from a user’s customer database are accurate. The free upload package is accessible through Calyx Software’s support Web site at www.calyxsupport.com for versions 6.0 and above, where the files are automatically uploaded into Point upon activating the download link.

“I am very honored to have been asked by Calyx to play a role in the addition of marketing solutions to their outstanding LOS, ” said Greg Frost, president of Frost Mortgage Banking Group. “The additional content provided, along with a newly streamlined distribution platform, will remove the friction that has hampered loan originators’ implementation of business building strategies. I am excited about this opportunity and certain that it will greatly benefit Point users.”

Greg Frost has been the leading residential mortgage lender in New Mexico since 1985. Last year, he was ranked in Mortgage Originator magazine as being the top FHA Loan Originator, as well as the seventh leading residential lender in loan volume in the U.S. Greg is also noted as being the first billion-dollar loan originator in America.

“We are extremely pleased to be working with Greg to provide proven sales and marketing capabilities in Point that add value to our customers,” said Dennis Boggs, senior vice president of Calyx Software. “In today’s competitive market, it is imperative for originators to differentiate themselves through exceptional customer service. These marketing solutions helps users build solid relationships with their customers.”

Calyx Software Previews Software Development Kit at 2008 National Technology in Mortgage Banking Conference - March 18, 2008

— Point SDK enables software developers to integrate with Calyx Point —

DALLAS — Calyx Software^®, the mortgage industry‘s leading provider of loan origination and processing software, previewed a new addition to its line of products, Point Software Development Kit^™ (SDK), at the annual MBA National Technology in Mortgage Banking Conference. Point SDK facilitates integration with a client”s internal applications or with third party vendors seeking to offer software compatible with Calyx Point^® loan origination software.

“The introduction of Point SDK enables companies to integrate their current customer relationship management system, sales tools, lead generation software or any other back office systems with Calyx Point,” said Dennis Boggs, senior vice president of Calyx Software. “The software development kit allows the transfer of data to and from Point and other business applications, streamlining company processes.”

Point SDK serves as a two-way interface, providing the ability to read information from or write information into Point. It enables a company to develop applications that can access Point loan data from local folders or from Point Data Server.

“Point SDK enables us to take our existing applications and fully integrate them into Calyx Point,” said Matt Berry, IT manager at First Option Mortgage. “Before, there really was no way to have First Options’ internal databases communicate. Point SDK enables us to go where we were never able to go before.”

Point SDK requires Calyx Point version 6.1 or later and a compatible development tool with .NET 2.0. Point SDK will be widely available in May 2008.

Calyx Software Creates New Banker Compliance, Closing Document Experience - March 17, 2008

— Provides ability to issue initial disclosures directly from select vendor within Point —

DALLAS — Calyx Software^®, the mortgage industry’s leading provider of loan origination and processing software, announced at the MBA Technology conference the ability to utilize Point ^® in a more efficient manner by embedding initial disclosures and closing documents into the 6.1 version, available this May.

Prior to this new way of creating initial disclosures and closing documents in Point, users would have to exit Point and go to the website of the document provider so each experience was different. The new version includes data being entered from within screens built inside (or embedded) in Point. Every experience is the same for the users so there is only one learning experience needed. Initial disclosures and closing documents are now a natural extension of the overall Point experience.

Normally this kind of experience where the user operates within the software would only be possible via a custom integration. Many document providers have done such integration with the very largest lenders at considerable expense. This experience is now available to all bankers using Point at no cost and for all document providers who integrate with Calyx Software’s new closing document platform.

“The benefits of this new platform go far beyond the typical user experience because the compliance and closing document data now reside within Point, which further enhances Point as the banker’s system of record,” said Dennis Boggs, senior vice president of Calyx Software. “Once the users enter the data into Point, they can generate reports from that data. The platform enhances efficiency as the documents are delivered within minutes of placing the order. Plus, it is easy to learn and user friendly.”

Once Point users prepare the needed documents, they can select a supported document provider within the Calyx Network. The initial seven vendors are Carson, Calif.-based DocMagic; Salt Lake City, Utah-based Docu Prep; Chicago, Illinois-based Document Express; Idaho Falls, Idaho based DocuTech; Poway, Calif.-based LSSI; Dallas, Texas-based MRG Document Technologies; and Concord, Calif.-based Online Documents. More document providers will be added to the platform in future network updates.

Calyx Software Releases 2007 Network Transaction Numbers - February 27, 2008

SAN JOSE, Calif., Calyx Software®, the mortgage industry‘s leading provider of loan marketing, originating and processing software, announced the Calyx Network‘s total transaction volumes for 2007. In the Network, 16.6 million distinct business transactions took place on 12.5 million Calyx Point® loan files.

The Calyx Network enables mortgage professionals to electronically request services from a wide range of providers and automatically process and attach supporting data and documents to the electronic loan files within Point, dramatically reducing data entry and loan processing cycles. The Calyx Network includes multiple service providers such as credit, flood, title, product and pricing companies, as well as electronic connections to lenders for pricing, approving, locking and closing loans.

“In addition to Calyx Software’s position as the industry leader in loan origination software, we also connect our customers to loan service providers and lenders,” said Dennis Boggs, senior vice president of Calyx Software. “We frequently update our network with additional categories and companies to streamline the overall loan process.”

In addition to the large number of Calyx Network exchanges and transactions in 2007, Calyx is already experiencing significantly increased credit report transactions in 2008. January credit pulls totaled approximately 1.07 million, a 72 percent increase from December 2007.

The Calyx Network provides a secure and reliable communications gateway between participating parties. Lenders connecting to the Calyx Network benefit from improved quality control, easier exchange of data with originators and a streamlined method for ensuring originators possess updated information on their company’s products. New service providers and lenders are updated to the Calyx Network on a bi-monthly basis. New lenders joining the network typically require less than three weeks to integrate with the platform.

Calyx Software Integrates Flood Certification Providers Into Point - February 12, 2008

Calyx Software®, the mortgage industry’s leading provider of loan marketing, originating and processing software, announced a flood certification provider category in the Calyx Network, providing users of Calyx Point® loan origination software with connection to participating flood certification vendors. The flood certification category is accessed within Point’s Services menu and includes seven companies providing flood certification reporting services.

Through Calyx Point, a loan officer can order reports directly from the flood certification category under the services menu and automatically incorporate the borrower data from the loan file into the flood certification request screen, thus eliminating the need for re-keying information. The only information entered by the loan officer is the specific flood requirements. Once the loan officer is ready to submit the loan file, the flood certification report is automatically included.

This category in Calyx Point currently includes six companies that specialize in providing flood certification reports: Loveland, Colo.-based Factual Data; Sacramento, Calif.-based First American; Columbus, Ohio-based CBCInnovis; Arlington, Texas-based FIS Flood Services; Atlanta-based LandAmerica lender Services; and Plano, Texas-based LandSafe.

“We are always working to improve the Calyx Network with additional loan service categories and service providers,‚ said Keith Kemph, national sales manager, interfaces, of Calyx Software. “Our flood category provides Calyx Point users with another user-friendly feature and function that enables them to streamline the origination process and close loans more efficiently.‚

Title Source Inc. Integrates Into Calyx Software to Streamline the Mortgage Process - January 25, 2008

Troy, Mich. -- Title Source Inc., one of the nation’s largest independent title agencies, has integated into leading home loan origination software Calyx Point to make it faster and easier for mortgage professionals to submit orders to the title and settlement services company. The Calyx Point software platform provides an online portal for mortgage lenders and brokers to choose Title Source as the title and settlement services provider for a home loan. The pertinent information for the mortgage is then sent automatically to Title Source via the Internet, eliminating the need for the lender or broker to manually fax paperwork or enter data on Title Source’s Web site.

“Providing mortgage professionals with streamlined access to our products and services not only presents Title Source with a tremendous opportunity for growth, it makes the mortgage process faster for lenders and brokers as well, which ultimately can help them grow their businesses,” said Jeff Eisenshtadt, President of Title Source Inc. “Calyx Point gives us the ability to make such access a reality, and supports our overlying mission to provide the highest quality title insurance, appraisal products and closing services available to the real estate lending industry today.”

Once a mortgage lender or broker submits their loan to Title Source through the Calyx Point online portal, Eisenshtadt says his team closely manages the entire title process, right up to the policy delivery, to ensure turn times are kept at a minimum and that the process meets the needs of both the mortgage professional and their client.

“We believe it is of critical importance that we use technology to add value to every transaction and make every effort to ensure that our partners can do the same for their clients,” Eisenshtadt concluded.

Twelve Mortgage Service Providers Added to Calyx Software Network - January 15, 2008

Calyx Software®, the mortgage industry¡¦s leading provider of loan marketing, originating and processing software, has expanded the Calyx Network® with a new network interface update. The January Calyx Network Interface update contains connections to 12 mortgage service providers. The Calyx Network allows users of Calyx Software’s Point® loan origination software to connect directly with lenders and mortgage service providers, automating data exchange and streamlining the loan origination process.

Updates are automatically installed into Calyx Point and add new providers to the application on a bi-monthly basis. The Calyx Network Interface update is automatically installed into Point versions 5.2 and higher as users open their software and connect to the Internet.

The following mortgage service providers have joined The Calyx Network:

Credit
o CCR
o Credit Plus USA
o Information Searching Co.
o RCR Credit

Flood
o Land America Tax and Flood Services

Closing Docs
o ProClose Platinum - Web Interface
o PeirsonPatterson, LLP

Hazard Insurance
o Safeco Insurance

Internet Services
o ComplianceEase

Loan Servicing
o Equity Express Biweekly Servicing

Title/Escrow
o ClosingPoint
o United Title Company

Calyx Users Rely on ComplianceEase for Regulatory Compliance Audit - January 8, 2008

ComplianceEase®, a leading provider of mortgage industry automated compliance and risk management solutions, announced today that its automated compliance system, ComplianceAnalyzer®, will be available on Calyx Point’s WebConnect™ platform on January 10th, 2008. Although ComplianceAnalyzer has been accessible through Point software for more than four years, this important and enhanced interface offers mortgage brokers and lenders the most complete and easy-to-use automated compliance system available.

“Calyx Point customers will now have the ability to run comprehensive compliance checks on their loans within seconds, without having to leave the Calyx Point LOS,” said Nina Travinsky, vice president of ComplianceEase. “By using this new feature, Calyx Point customers have access to ComplianceAnalyzer reports at their fingertips. Additionally, every loan run through ComplianceAnalyzer is assigned with an industry baseline RiskIndicator that allows lenders of all types to quickly spot and avoid potential compliance issues.”

Robin Hobson, president of Franklin Financial said, “We have been using ComplianceAnalyzer since 2002 and their detailed reports help us identify possible compliance issues before loans close; otherwise, these loans would have to be repurchased. We are very excited with the new upgraded version and look forward to improving our processing efficiency and conversion ratio.”

Many current Calyx customers are already relying on ComplianceAnalyzer throughout their loan origination processes to better comply with federal, state and local anti-predatory / high cost lending legislations, as well as state-specific consumer credit laws and regulations. ComplianceAnalyzer provides a complete centralized view of their overall compliance performance and loan-level audit report, providing mortgage professionals with a more effective and effortless risk management tool to manage their business - especially under the current market environment.

“The addition of the automated compliance engine category and new service providers within Point give our customers real-time and seamless access to compliance audit results,” said Dennis Boggs, senior vice president of Calyx Software. “This integration is essential for brokers and lenders and further increases efficiency, maximizes profitability, and most importantly enables them to close more loans more quickly.”

Calyx Software Now Offers Automated Verification of Employment and Income - November 27, 2007

Calyx Software®, the mortgage industry’s leading provider of loan marketing, originating and processing software, announced a verification of employment and income (VOE/VOI) category within the Calyx Network, connecting users of Calyx Point® loan origination software to participating employment and income verification vendors.

The addition of the VOE/VOI category allows mortgage brokers and bankers to request up-to-date, fraud-proof verifications of employment and income without leaving the loan file in Point. By accessing the services menu within Point, brokers can directly request verification of a borrower¡¦s employment and income from The Work Number®, a division of St. Louis-based TALX, a leading provider of automated employment and income verification. The Work Number is used by over 50,000 different verifiers including several major mortgage lenders.

“One of the biggest challenges in the loan closing process is managing the steps to request and receive income or employment verification,” said Dennis Boggs, senior vice president of Calyx Software. “Integrating The Work Number within the Calyx Network instantly connects brokers to this information, further speeding the loan process.”

Mortech Announces Marksman Integration with Calyx Network - November 20, 2007

Mortech, Inc. (“Mortech”) today announced integration with the product and pricing engine interface module of the Calyx Network (“Calyx”), connecting users of Calyx Point® loan origination software directly to Mortech’s Marksman Product and Pricing Engine.

The integration allows broker and loan officers using Calyx to request a product and pricing decision from Marksman without leaving the loan file in Point. By directly accessing Marksman’s rich features for determining product eligibility and comparing prices across investors, brokers and loan officers can rapidly review multiple loan scenarios to accurately determine a borrower’s eligibility and find the best price.

“Our integration with Calyx is an important step to providing a seamless experience for our user community.” said Don Kracl, Mortech’s president. “Marksman combines Mortech’s real-time pricing with Merit Matrix, the best product finder in the business, and will provide Calyx customers with a state-of-the-art PPE option offered at an affordable price in today’s competitive marketplace.”

“Calyx is excited to add Marksman to our list of options in the PPE category of the Calyx Network,” said Dennis Boggs, senior vice president of Calyx Software. “Offering Marksman fits well with our strategy to ensure loan officers are equipped with the necessary tools to efficiently find the best value for their customers.”

First Commercial Lender in Calyx Network, Silver Hill Financial Makes Program Available Through Leading Origination Platform - November 7, 2007

MIAMI – Silver Hill Financial, LLC (www.silverhillfinancial.com), a leading national real estate lender specializing in small-balance commercial loans, is the first commercial lender integrated into the Calyx Network. Silver Hill Financial® is now included in the lender category of Calyx’s Point® loan origination system (LOS) software, the country’s leading LOS, according to Wholesale Access’s Mortgage Broker Study.

This milestone is important to mortgage professionals because the integration makes it more convenient to submit commercial loans through a common origination platform. In addition, Silver Hill’s inclusion in Point enables an easier transition from residential to small-commercial lending.

“Silver Hill is excited to join Calyx in further bridging the gap between residential and small-balance commercial lending,” said Joanna Schwartz, Managing Director of Silver Hill. “We know mortgage professionals are interested in expanding their product offering, and Calyx’s platform now enables an easier and more convenient way to submit a commercial loan. The integration is another example of Silver Hill’s commitment to transforming the standards and expectations in our industry through innovation and continuous improvement.””

Calyx Point’s lender category provides loan officers with secure and reliable electronic connections to lenders in the Calyx Network. Point users have the ability to select Silver Hill Financial from the Lender menu, and the information entered for the 1003 form is pre-filled for the commercial application. With Silver Hill’s program, mortgage professionals can expand their business by offering financing up to $1.5 million on a wide range of commercial property types including multifamily, mixed-use, office, warehouse and many others. Point users will also benefit from easier exchange of data and updated information on Silver Hill’s products. Approximately 68 percent of mortgage brokers nationwide use Calyx’s Point, according to the 2006 Wholesale Access Study.

Calyx Software Integrates Product and Pricing Engine Providers Into Point - October 31, 2007

SAN JOSE, Calif - Calyx Software®, the mortgage industry’s leading provider of loan marketing, originating and processing software, announced the addition of a product and pricing engine category to the Calyx Network, connecting users of Calyx Point® loan origination software to participating product and pricing engine (PPE) vendors. The new category is accessed within Calyx Point’s Interfaces menu and includes six new companies offering PPE services.

The product and pricing engine category allows mortgage brokers and bankers to request a product and pricing decision from their preferred lenders and investors without leaving the loan file in Point. By directly accessing borrower credit information and utilizing the credit analysis tools provided by PPE vendors within the Calyx Network, brokers can review multiple credit scenarios to accurately determine a borrower’s eligibility. The pricing information then allows brokers to decide the best product to offer a borrower.

The new category currently includes six companies specializing in product and pricing engines: Ft. Lauderdale, Fla.-based BrokerBuddy; New York-based eStyle Software; Atlanta-based Lender Flex; Little Chute, Wis.-based LoanSifter; Mt. Arlington, N.J.-based NYLX; and Plano, Texas-based Optimal Blue.

“The addition of the product and pricing engine category and new service providers within Point gives brokers access to instant and accurate credit analysis and pricing results,” said Dennis Boggs, senior vice president of Calyx Software. “This integration is essential for loan officers to efficiently find the best value for their customers.”

Calyx Software Announces Silver Hill Financial as First Commercial Lender Integrated into Network - October 16, 2007

Calyx Software®, the mortgage industry's leading provider of loan marketing, originating and processing software, announced Silver Hill Financial® is the first commercial lender integrated into the Calyx Network. The addition of Silver Hill Financial, a leading national real estate lender specializing in small-balance commercial loans, enables residential mortgage brokers to transition into small commercial lending using Calyx's Point® loan origination system (LOS) software.br>
“We are excited about the opportunity to join Silver Hill Financial in providing an avenue for brokers looking to enter the commercial lending business,” said Dennis Boggs, senior vice president of Calyx Software. “The addition of commercial lending services within the Calyx Network enables brokers to expand their product offering and maximize profitability through use of a common origination platform.”

Offered through a network of mortgage professionals throughout the country, Silver Hill’s program offers an innovative debt-to-income (DTI) approach to small-balance commercial loans from $100,000 to $1.5 million. The underwriting approach factors in the borrower’s personal financial background and credit score, in addition to the property’s value, when evaluating the ability to repay the loan, and eliminates minimum debt-service requirements. A wide range of property types can be financed including multifamily, mixed-use, office and retail property.

“Silver Hill is thrilled to work with a leading company like Calyx on this significant milestone,” said Joanna Schwartz, managing director of Silver Hill Financial. “As the first commercial lender to integrate with Calyx, Silver Hill renews its commitment to innovation and continuous improvement in small-balance commercial lending. We strive to ease mortgage professionals’ transition into commercial, and Calyx’s platform now enables that for brokers.”

On November 5, 2007 Silver Hill Financial will be integrated into Calyx Point’s lender category, which provides loan officers with secure and reliable electronic connections to lenders connected to The Calyx Network. Connected lenders benefit from improved quality control, easier exchange of data with originators, and a streamlined method for ensuring originators possess updated information on their company’s products.

Calyx Software Reports Record Number of Network Transactions - October 15, 2007

Boston - Calyx Software®, the mortgage industry’s leading provider of loan marketing, origination and processing software, reported 13.4 million business transactions were processed on more than 10 million loan files over The Calyx Network®, during the first nine months of 2007. The transactions stemmed from over 23 million exchanges between users of Calyx’s Point® loan origination system and the more than 300 participating lenders and service providers.

The Calyx Network enables mortgage professionals to electronically request services from a wide range of service providers, including appraisers, credit reporting, flood certification, title and escrow service companies, and automatically process and attach supporting data and documents to electronic loan files within Point, dramatically reducing data entry and loan processing cycles. The Calyx Network also provides electronic connections to lenders for pricing, approving, locking and closing loans. Between January and September this year, more than 310,000 desktops from over 44,000 mortgage companies participated on The Calyx Network.

“Originating a loan is not a simple, one-party process,” said Dennis Boggs, senior vice president at Calyx Software. “Our clients look to us to not only automate their internal processes, but also to streamline their external processes with loan service providers and lenders. The number of Calyx Network participants and transactions continues to grow dramatically, creating greater and greater efficiencies for all parties involved in the origination.”

The Calyx Network provides a secure and reliable communications gateway between participating parties. Lenders connecting to The Calyx Network benefit from improved quality control, easier exchange of data with originators, and a streamlined method for ensuring originators possess updated information on their company’s products.

New service providers and lenders are updated to The Calyx Network on a bi-monthly basis. New lenders joining the network typically require less than three weeks to integrate with the platform.

Calyx Software Updates WebCaster Web Site Service - October 4, 2007

Calyx Software®, the mortgage industry’s leading provider of loan marketing, originating and processing software, announced the latest release of WebCaster, its affordable Web site service that enables mortgage professionals to market their business online. The enhancements include the addition of twelve new site designs and four new loan calculators.

Calyx’s WebCaster product offers a wide array of site designs to provide brokers with a professional Web site that complements their brand identity most effectively. With the addition of twelve new templates, mortgage professionals can now develop a unique style to reflect their business image.

WebCaster is specifically designed to work with Calyx’s loan origination system (LOS) software Point®, and offers WebCaster Desktop, a feature that notifies originators as soon as prospects submit loan applications on their WebCaster site. Those applications are then securely transferred directly to Point or Point Data Server® for subsequent processing. This feature can be downloaded from the WebCaster Administration site, at no additional cost to WebCaster subscribers.

Additionally, the latest version includes four new loan calculators:fixed rate vs. adjustable rate mortgages (ARMs); 15-year vs. 30-year mortgages; refinance interest savings; and an interest-only calculator. With a total of ten loan calculators, WebCaster provides a convenient way for prospective borrowers to instantly calculate optimal downpayment and interest rate scenarios directly from the broker’s Web site.

“Calyx WebCaster is an affordable solution that can dramatically change the way a broker does business, especially in today’s Internet age,” said Ted Hicks, business development manager of Calyx Software. “By following a few simple steps, a mortgage broker can have acustom designed Web site that provides around the clock service to clients, leading to increased revenue for his or her business.”

AFI Resources Integrates etaxrecords.com Income Verification Service into Calyx Point to Streamline Fraud Detection - September 11, 2007

AFI Resources, a leading provider of income verification services, today announced the completion of the integration of its secure tax verification system, etaxrecords.com, into Calyx Point®, the mortgage industry’s leading loan origination and processing software.

Recognizing the recent trend in today’s residential market for lenders to require income verification, AFI Resources and Calyx developed an XML data exchange interface that allows Point users to verify their borrowers’ incomes with just a couple clicks inside their Point software, with 24 hours processing by AFI Resources. This integration addresses the industry-wide need for loan originators and lenders to detect fraud early on in the loan process.

According to LA Times author Michael A. Hiltzik, “Countrywide says it has taken steps to tighten lending standards, along with the rest of the mortgage industry. Among other things, it has eliminated piggyback home-equity lines and no-down-payment mortgages and requires income verification from borrowers with down payments of 10% or less.” And other lenders are likely to add the same requirements.

The integration of etaxrecords.com into Point makes it quick and easy for loan originators to verify income without encountering the delays of waiting for borrowers to locate their tax returns and risking having their loans denied right before closing or even at the closing table. They are also able to detect fraud during pre-funding, when it counts most.

“Verifying Income protects the borrower from buying too much house, and protects the lender from potential buy backs. It’s a step towards a better world, based on sound business practices and common sense,” states David Munoz, AFI Resources, Inc.

According to Dennis Boggs, Senior Vice President of Business Development at Calyx Software, “This integration makes it even easier and quicker for Point users to originate and process their loans. This simple-to-use service will lessen the risk for them and for the lenders they work with, making it a very attractive addition to the Calyx Network of services.”

For additional information regarding AFI Resources’ etaxrecords.com Income Verification Service, visit www.afiresources.com or call (561) 988-2530. For Information on Calyx Point Software, visit www.calyxsoftware.com or call (800) 362-2599.

Calyx Software Releases Highly Anticipated Point and Point Data Server v. 6.0 - August 29, 2007

Calyx Software®, the mortgage industry's leading provider of loan marketing, originating and processing software announced today the release of Point® and Point Data Server® versions 6.0.

Point 6.0 integrates mortgage broker and banker functionality for the first time, in addition to adding new marketing tools, a powerful new report generator and more at no additional cost and with no extra software needed. The new and enhanced features include:

• Banker Screens — Point 6.0 offers 10 new screens that provide report and status data for mortgage banking activities, from underwriting through loan sale and trail documents management. This eliminates the need to use multiple systems when funding and selling loans - allowing Point to be used as the system of record. Owners have the flexibility to designate user access, administering screens for specific user needs or locking them down so that only those who need them have access – creating controlled access for sensitive financial data.

“Many of our broker customers have become or are evolving into mortgage bankers, and it’s our goal to continue to serve the needs of all our users. The bankers who we expect to most benefit from this release are those originators who both broker and bank their loans, and sell their funded loans on a servicing-released flow basis,” said Dennis Boggs, SVP of Calyx Software.

• Marketing Tools — Point users can now market and grow business right from Point with a few clicks of the mouse. New tools allow Point users to create custom letters, newsletters, promotional emails, and mailing labels instantly using Point data. Microsoft Word 2000 (or later) required.

• Reports — Richer reporting functionality will be available in version 6.0 with both standard and custom reports available. One of the supplied reports provides a “snapshot report” of the company; in short, at any moment, an owner can run a report to find out how profitable their organization is. Included in this report is loan status, cost of doing business, and a summary of the company’s ‘book of business,’ with the added ability to sort by loan officer, branch, region, day, year, or any other metric. Point report data can now be easily transferred to Microsoft Excel to take advantage of Excel’s powerful data analysis and charting capabilities. Several sample report templates are included in 6.0.

• AVM Ordering — Automated Valuation Model (AVM) reports can now be ordered right from Point. Results are incorporated into the loan file automatically.

• Repeat Loan Generator — This feature creates new loans for existing customers by copying only the information contained on the Loan Application and omits automatically any information that does not apply to the new loan.

• Advanced Search — Now Point users can search for loan files across multiple data folders. “The changes included in 6.0 show Point’s evolution to a product that supports a more efficient way to manage both a mortgage broker operation and a mortgage banking operation,” Boggs continued. “And it highlights many other management features that have been in Point all along.”

Point Data Server 6.0, compatible with Point 6.0, offers a convenient, secure way to share Point files across a mortgage organization – centrally and securely. Loan data is stored on a central server, making Point files accessible from any location. Through Point Data Server loan officers and processors can instantly search, open, edit, and save loan files in the central database directly from their Point desktop as well as generate management reports built on information from different offices. This latest version offers the ability to designate local data folder control – meaning administrators can increase the level of control and security over sensitive loan data by designating whether users have access to Point data on their local machines or only when logged into Point Data Server.

Version 6.0 also stores all data captured in the new mortgage banking screens giving owners the ability to run a multitude of reports that show them exactly where their business stands at any point in time. Point and Point Data Server 6.0 work together to provide one system of record for organizations and gives owners the ability to ensure every loan is profitable prior to its closing. New Point Data Server customers will also enjoy easier implementation with a free SSL certificate and domain name that's good for the life of their subscription.

Calyx began shipping Point and Point Data Server version 6.0 on July 27. All current Point subscribers should receive their update before the middle of August. For more information about these releases, see www.calyxsoftware.com or call (800) 362-2599.

Calyx Software Maintains Dominant Market Leadership Position in Loan Origination Systems - August 29, 2007

Calyx® Software, the mortgage industry’s leading provider of loan marketing, originating and processing software, reported a market share of 67.9 percent for Point® from the recently completed Wholesale Access 2006 Mortgage Broker Study. Calyx Software has maintained a consistent market-leading share of 67.9 percent over the last three Wholesale Access studies, dating back to 2003.

Wholesale Access is a research, advisory and publishing company, founded in 1991, focused exclusively on the mortgage finance industry. The 2006 Wholesale Access Mortgage Broker study was conducted to monitor the role and value of mortgage brokerages in the origination of residential mortgages and represents the company’s eighth study of the industry. The research examined broker revenue and expense structures, demographics, use of technology, products, operations, wholesaler relationships and economics.

"Based on our 2006 survey, which was fielded in early 2007, Calyx has maintained its dominant market share of two-thirds since 2002 and is the market leader for loan origination systems (LOS),” said David Olson, president of Wholesale Access. “Most firms are satisfied or very satisfied with their current LOS provider so we see little change in Calyx's market share in the future."

Calyx’s Point application provides comprehensive mortgage functionality for loan marketing, prequalification, origination, underwriting, processing, management and reporting. The company recently released Point version 6.0, which expanded capabilities for both brokers and mortgage bankers.

“We are extremely pleased that Calyx Software continues to be the overwhelming vendor of choice for loan origination systems,” said Dennis Boggs, senior vice president of Calyx Software. “We understand that the key to our success has not only been delivering a feature-rich application, but also a product that’s easy to use, reliable, and backed by outstanding customer service.”

First Title & Escrow and Calyx Team Up in the Services Menu to Provide Instant, Exact Closing, Title and Recording Fees Nationwide. - June 25, 2007

Why wait on RESPA Reform? Get exact Closing, Title, and Recordation fees at origination of your loan, INSTANTLY!
All around the country, mortgage lenders are paying out huge amounts in consumer restitution and penalties as a direct result of consumer complaints that are being submitted to state regulators in record numbers. Complaints concerning errors made in connection with the issuance by a Lender of the Good Faith Estimate (GFE) have consistently been among the top ten consumer complaints made to state regulators. While many of the complaints arise out of actions taken by individual loan officers without the knowledge of the company’s owners or compliance officers, as a result of the license being in the name of the owners, those owners are ultimately responsible for the wrongdoings of their employees.

What are the consequences of these inaccurate GFEs?
Lose, lose, lose. When borrowers get less money back then they originally expected as a result of their reliance on the GFE, borrowers, loan officers and owners lose. When borrowers have to bring more money to the closing table then they originally expected as a result of their reliance on the GFE, they all lose again. When borrowers get upset because the product they see at the table differs from that which they thought they were getting pursuant to their reliance on the GFE, loan officers frequently have to reduce discount or loan origination points. The result? You guessed it. Everyone loses.

GFE reform likely
But, that is all certain to change as HUD has identified the GFE as the area it is most likely to reform in most of its reform proposals. There are certain to be significant penalties associated with a failure to provide substantially accurate numbers on the GFE. With all of the recent negative subprime press, RESPA Reform, HUD Deputy Secretary Roy Bernard, in his remarks before the National Mortgage Banker’s Association National Policy Conference in Washington, DC on April 27, 2007 said, “[i]n my view, we need to be smart and visionary, and responsible. We must implement a solid set of reforms, a coherent plan that addresses several levels of the sub-prime problem simultaneously.

First Title & Escrow, a Nationwide Title and Closing services company, has teamed with Calyx to create the solution.
Together First Title and Escrow and Calyx created an integration that transmits exact title and closing fees right into the Calyx LOS in seconds. The interface can be accessed from the Services > Title menu in Point. Stephen Papermaster, President of First Title states, "Partnering with one of the mortgage industry's leading LOS providers advances our goal of providing originators with accurate title fee data instantly at origination. With HUD's push to mandate precisely accurate cost disclosures in connection with its proposed ‘GFE Model,' our clients' utilization of the data will not simply be a value-add, but an absolute necessity within their procedures when making disclosures. First Title will now return a pre-HUD with exact closing fees, title fees and recordation fees directly into the Point software.”

To find out more, please see www.firsttitleservices.com.

Calyx Welcomes The Arrival Of Brokerbuddy! - June 20, 2007

Brokerbuddy, the industry's product and pricing standard, and Calyx® Software, makers of the award winning Calyx Point loan origination and processing system, are very proud to announce the much anticipated integration into Calyx Point.

Calyx Point users can now access and run real time loan searches through Brokerbuddy's incomparable system directly from inside Point, enabling Point users to send loan data without leaving the Point application.

Brokerbuddy has established itself as in industry leader by providing time tested accuracy, an unmatched ease of use, and a wide array of available lenders and products. At press time, Brokerbuddy is proud to offer more than 50 lenders (and growing quickly), featuring the industry's finest Prime, Alt -A, and non-prime product availability and pricing service. Brokerbuddy's patent-pending technology actually pre-qualifies your loan scenario in seconds against the detailed underwriting criteria of dozens of lenders, providing accurate pre-qualifications along with up to the minute rates, commissions, and all applicable adjustments. Brokerbuddy saves loan originators valuable time and helps find additional commissions in nearly every loan search.

Dennis Boggs, Senior Vice President of Business Development at Calyx Software, "Calyx is very pleased to welcome Brokerbuddy into our new Product & Pricing category. Brokerbuddy's reputation for accuracy and ease of use, as well as their product offerings will be a terrific match for our customers, many of whom have requested Brokerbuddy directly."

Calyx's July I-Update will automatically add Brokerbuddy to the new Product and Pricing category, found within the Interfaces drop-down menu. Calyx Point is currently used by more than 300,000 Point and Point Data Server users.

Pricing & Availability
$60 monthly per user for unlimited usage, with pre payment and volume discounts.

WebCaster 2.5 Now Available from Calyx Software - June 7, 2007

Calyx® Software today announced the 2.5 release of WebCaster®, the preferred web site solution for Point users. Version 2.5 includes Search Engine Optimization (SEO) tools, unique templates, enhanced site administration, and a setup wizard, all offered for only $24.99 a month, with no commitment or setup fee required.

“In this market, efficiency is more crucial than ever,” said Dennis Boggs, SVP of Calyx Software. “With fewer customers looking for loans and brokers having smaller staffs to work with, customer self-service is a crucial concept. The SEO tools available in 2.5 can help drive customers to the broker’s site, where the customer can complete the application that is sent directly into Point. The first half of an origination can occur completely on the web.”

This version contains the following key new features and enhancements:

• New template designs: Each template comes with numerous variation possibilities to create a unique site. And each template has been created specifically for the mortgage industry by Calyx, an undisputed market expert.
• Enhanced site administration: Featuring a new visually oriented interface to streamline site administration and maintenance.
• WebCaster Setup Wizard: In seven simple steps, any originator can have a personal, transactional web site.
• SEO: WebCaster shows you how to use meta tags (keywords, descriptions, and page titles) to increase the likelihood that your site will come up when customers search for mortgage services.

WebCaster is the web site solution specifically designed to work with Point, and offers WebCaster Desktop, a tool that notifies originators as soon as prospects submit loan applications on their WebCaster site. Those applications then transfer (with secure 128-bit encryption) directly to Point® or Point Data Server®. This tool can be downloaded from the WebCaster Administration site, free of charge to all WebCaster subscribers.

Boggs continued, “In a few simple steps, any mortgage broker can have an Internet sales channel up and running, 24/7, with a look and feel that can reflect your branding.”

For more information, visit www.calyxsoftware.com/go/newinwebcaster.

LoanSifter Integrates With Calyx Point - May 15, 2007

May 2007 - LITTLE CHUTE, WI - LoanSifter, the industry's most accurate comparison search for non-prime pre-approvals, and Calyx® Software, makers of the award winning Calyx Point loan origination and processing system, today released an interface allowing the integration of LoanSifter's search to Calyx Point.

LoanSifter uses the Calyx WebConnect technology, ensuring complete compatibility with Point and Point Data Server. WebConnect allows Loan Originators to launch LoanSifter directly from inside Point, enabling Point users to send loan data without leaving the Point application.

"Using WebConnect, you are now able to transfer borrower loan scenarios from Point directly into LoanSifter," explains Craig Doriot, LoanSifter's Chief Technology Officer. "LoanSifter thoroughly analyzes all of the subprime and ALT-A programs from the top subprime wholesalers and matches it against your borrower's scenario. We provide side-by-side comparisons of different types of products laid out in a powerful and simple manner, with easy sorting between product types, pricing, and YSP, along with many additional filtering options for the power user.¨

LoanSifter offers accuracy, flexibility, and an impressive set of features. Each search provides accurate, fully-adjusted rates, lender fees, and product stipulations from the top lenders. Loan Originators can re-run scenarios with borrower adjustments to understand the effect paying off a certain debt or clearing up credit will have on the loan. A simple e-mail function makes it easy to pass the results on to selected AEs. LoanSifter properly evaluates how to handle credit scores for each individual lender. LoanSifter looks at the documents made available and matches them up with each lender¡¦s requirements, properly determining which products are allowed. LoanSifter's interface and required fields have been carefully thought out to obtain maximum accuracy while simplifying the search process.

According to Dennis Boggs, Senior Vice President of Business Development at Calyx Software, "Calyx is committed to providing our customers with reliable, cost-effective mortgage solutions. This recent integration between LoanSifter and Point will provide our customers with an easy and effective way to match loan applications with underwriting details for the major lending sources, and help them to close loans faster. "

Calyx's latest I-Update automatically adds LoanSifter to the new Product and Pricing category, found within the Interfaces drop-down menu. Calyx Point is currently used by more than 300,000 Point and Point Data Server users. Calyx market share is 68% according to the Wholesale Access 2004 Broker Study which was released July 2005.

Pricing & Availability
Integrated with Calyx - $60/mo for the first user, $10/mo for each additional user. Standalone (not using Calyx integration) - $50/mo for the first user, $10/mo for each additional user. More information and on-line registration can be found at www.loansifter.com.

Lenders First Choice Integrated Into Calyx® Point® - May 4, 2007

Simi Valley, Calif., – Lenders First Choice (LFC), a national provider of settlement services and title insurance, and Calyx® Software, makers of the award winning Calyx Point® loan origination and processing system, have completed an integration between LFC’s title insurance and settlement services application into Calyx Point. LFC is using the Calyx WebConnect technology, ensuring complete compatibility with Point and Point Data Server. WebConnect allows brokers to launch the LFC transactional website directly from inside Point, enabling users to send and receive loan data without leaving the application. When the LFC application returns data to Point, the loan file to which it pertains is automatically updated and any supporting documentation is stored with the loan file.

Calyx Point is currently used by more than 300,000 Point and Point Data Server users. Calyx market share is 68% according to the Wholesale Access 2004 Broker Study which was released July 2005.

LFC offers title insurance and settlement services solutions in all 50 states for all mortgage types, from purchase to refinance and reverse to home equity. Its focus on technology integration and development and its centralized operations enable LFC to offer fast, high quality solutions to hundreds of lenders nationwide.

“At Lenders First Choice, our focus is on helping lenders close loans on time, every time, and one of the products of that focus is our exceptional technology development and integration efforts,” said Bill Moody, president of LFC. “Calyx Point is the preferred solution for thousands of lenders, and this interface to the LFC title insurance and settlement services application makes it even easier for those lenders to take advantage of our services.”

According to Dennis Boggs, Senior Vice President of Business Development at Calyx Software, "Lenders First Choice offers a very valuable service to our customer base; one-click access to title and settlement services allowing for accurate data synchronization. This adds value & increases the profitability of our current lenders in Point and with the new lender screens coming in Point 6.0 this summer we feel this will be even more beneficial."

Calyx Software is dedicated to helping mortgage brokers and direct lenders increase their profitability by providing reliable and affordable software that streamlines and optimizes all phases of the loan process — from loan marketing through closing. The Calyx® Point® Solution connects loan officers and processors to lenders and service providers, including Lenders First Choice, using technology that allows all parties to exchange data easily. This seamless interaction, coupled with the robust features in the Point product line, increases efficiency and maximizes profitability by enabling more loans to close more quickly.

1Processing.com and Calyx Software Complete Integration - May 1, 2007

Calyx Software, the leading loan orignation software maker, and 1Processing.com, the state-of-the-art processing service for mortgage originators, today announced the completion of an interface in Calyx Point that takes the worry out of getting loans to close.

The interface with 1processing.com gives Point users the ability to operate a sales force — focused entirely on generating mortgage business — while 1Processing.com handles their back office. 1Processing.com is completely dedicated to the success of its customers. When loan originators take their loan applications in Point and transfer them to 1Processing.com, they can then schedule the closing within 5 days.

1Processing.com's contract processing service guarantees 29 back office processes. This certifies loan file acceptance with virtually any lender! And also ensures that morgage originators and lenders have error free and lightening fast loan closings.

1Processing.com will also store loan files and provide access to to them and to the documents associated with them at any time — day or night — updated to the minute. The entire process is: Simple. Fast. Guaranteed.

Calyx Software Announces New I-Update - May 1, 2007

Calyx Software issued an I-Update today that updates the interfaces in Point (versions 5.2 and higher). The update installs automatically and adds new vendors to the Lenders, Services, and Interfaces menus in Point. The I-Update also applies updates to existing connections in the Lenders, Services, and Interfaces menus as needed.

The update process applies only to company listings in Point — no personal information is collected and no modifications are made to any other portions of your Point software.

Sometime shortly after May 1, when Point 5.2, 5.3, and 5.4 users open their software and are connected to the Internet, Point will automatically receive and install the I-Update. After the I-Update has been received, the next time Point is opened by the user, the new listings will appear.

Important!

The Credit Services category in the Interfaces Menu has been updated to take advantage of new technology that became available to credit vendors in the Point 5.4 release. Users of Point 5.4 may continue to access their preferred vendors through the Interfaces menu as always, and many new categories and vendors have been added.

Users of Point 5.3 and earlier will now find credit vendors under the Services menu only, and will not be able to access many of the new vendors in the Interfaces menu until they upgrade their Point software. For a complete listing of Credit Services vendors as well as their location in Point, click here.

Additions to the menus include:

Lenders Menu
• Amnet's name is changing to Vertice

Services Menu — Credit
• Advantage Credit, Inc of Colorado
• Nationwide Credit Reports
• LandAmerica — CreditWorkBench
• Sharper Lending

Services Menu — Flood
• FIS Flood Services

Services Menu — Title
• Nevada Title Company

Interfaces Menu — Appraisals
• TraceCorp Settlement Services

Interfaces Menu — Closing Docs
• DocsDirect

Interfaces Menu — Credit Reporting
• Credit Verifiers, Inc.

Interfaces Menu — Internet Services
• Reliable Insurance

Interfaces Menu — Outsource Processing — New Category!
• 1 Processing

Interfaces Menu — Product and Pricing — New Category!
• eStyle
• Loansifter
• NYLX

Interfaces Menu — Title
• Lenders First Choice
• United Solutions Group

Moved or Discontinued* Interfaces include:
• Alliance Credit Services
• Amaesing Credit Solutions (VIS)
• AppraisalHub
• Appraisal Enhancement Services (LSI)
• Cogent Road
• Credit Reporters
• iCreditvision • Land America Credit Services
• Moncor
• Superior Appraisal
• The Freeman Report

For a comprehensive list of Point vendors and their locations in Point, click here.

* Many of the discontinued Interfaces plan to return to Point in a future I-Update.

Calyx Software Announces Point 6.0 with Mortgage Banker Functionality Scheduled for Release in Summer 2007 - March 26, 2007

TAMPA, March 26, 2007 – At the 2007 MBA Mortgage Technology Conference, Calyx® Software previewed Point® 6.0, the first Point version to include Mortgage Banking-specific functionality. Point version 6.0 is expected to be released summer 2007, with the new banking solution provided at no additional cost.

With 10 new screens in version 6.0, Point can provide report and status data for all activities, from underwriting through loan sale and trail documents management. This eliminates the need to use multiple systems when funding and selling loans. Key data will now be stored in Point, and loan team members will be able to perform loan reviews to prevent errors rather than find them afterwards. In addition, with the ability to run enhanced reports on that data, and more data access control, Point can be relied upon as a system of record for small and midsize bankers.

Along with the banking screens, richer reporting functionality will be available in version 6.0 with both standard and custom reports available. Point 6.0 will also offer a “snapshot report” of the company. In short, at any moment, an owner can run a report to answer the question ‘am I making money?’ Included in this report is loan status, cost of doing business, and a summary of the company’s ‘book of business,’ with the added ability to sort by loan officer, branch, region, day, year, or any other metric.

“The changes in Point are deeper than just an offering of new screens,” said Dennis Boggs, SVP of Calyx Software. “The changes show Point’s evolution to a product that supports a more efficient way to manage both a mortgage broker operation and a mortgage banking operation. And it highlights many other management features that have been in Point all along.”

Folder management and screen access rights allows for controlled access for sensitive financial data. Owners also have the flexibility to allow user access, administering screens for specific user needs or locking them down so that only those who need them can access them.

CSIdentity Inks Deal with San Antonio Retail Merchants Association to Provide Identity Theft Protection - March 12, 2007

Austin, Texas: CSIdentity Corporation (CSID) announced today that it has signed an agreement with San Antonio Retail Merchants Association (SARMA) to offer CSIdentity’s industry leading Identity Theft Protection services (CSIdentity Protector TM) to SARMA’s customers.

The identity theft protection service includes a security bundle of seven-layers, creating the most comprehensive ID Theft Protection platform in the nation. Together, these seven layers provide the broadest net of identity detection and protection available today. The seven-layers of comprehensive identity protection are:

Credit Monitoring of credit inquiries, delinquency triggers, derogatory comments, tax liens, judgments and bankruptcies on your credit report.

Debit Monitoring of new bank accounts, check orders, NSF’s, derogatory comments, etc. on your Debit Report. Derived from over 90% of all checking, savings, credit unions, brokerage and 75,000 retailers.

Public Records Monitoring detects criminals redirecting your mail through change of address, multiple names attached to your social security number, your identity listed as deceased, deed transfers, property liens, new phone services at your address, and more.

Criminal Record & Sex Offender Monitoring detects criminal convictions and bookings in your name as well as sex offender registrants using your address. Also provides alerts on sex offenders moving into your neighborhood.

Internet Monitoring of more than 10,000 criminal chat rooms and websites to detect the selling of credit cards, socials, mothers-maiden names, account numbers, passwords, etc. that were obtained through data breaches, phishing scams and other means.

Restoration Services available through our toll free number to provide you with personalized and on-going assistance to restore your identity and get your life back on track.

Identity Theft Insurance* provides up to $25,000 reimbursement to the Covered Person for expenses and lost wages associated with Identity Restoration with no deductible. This policy is underwritten by a member company of AIG insurance. (Coverage does not apply for NY residents due to current NY legislation.)

“At SARMA, we want to continue providing our customers with the best solutions available today,” said Bob Benavides, SARMA’s CEO. “We already ensure that our back-end systems are the strongest in the industry, and now, by offering CSIdentity’s ID Theft Protection platform, our customers can enjoy the safety that comes with the most comprehensive identity protection services available.

Identity Theft is the highest reward, lowest risk crime for criminals (DOJ National Strategy to combat identity theft - 2005) and individuals have little recourse but to take control of protecting their own identity.

Approximately 9.4 million Americans had their identity stolen in 2005 (FTC). Compare identity theft statistics with the 6.4 million auto accidents, 1.4 million violent crimes, and 1.2 million heart attacks that occurred in 2005 and its clear that Americans should be concerned about this growing risk.

“CSIdentity is squarely focused on the severe and growing problem of Identity Theft by using cutting edge technology (CSID’s Cyber Agent tm) and billions of data records to constantly monitor how your identity is being used” stated William Morrow, CSID’s Chairman. “The clear fact is that individuals can no longer protect their identities as they exist today in 1,000’s of companies and 10,000’s of computers across the nation. In less than two years, hundreds of companies, universities and the government agencies have been breached exposing the personal identity information of more than 102 million US citizens – almost half of the US adult population.”

Direct Mortgage and Calyx Point Make Over 5,000 Loan Programs Choices - Instantly Available!! - March 1, 2007

Direct. Fast. Simple.

Direct Mortgage Corp. (www.DirectMortgageWholesale.com) and Calyx® Software, makers of Calyx Point® loan origination software, announced today the creation of a new Lender in Point® interface that gives Point® users Direct access to close loans with Direct Mortgage.

This interface is fast and simple. It provides access to: instant loan program choices (over 5,000); instant rate lock options - including net rate adjustments; ordering all your verifications – and gives you instant loan processing; even scheduling the loan closing! The interface is available to any loan officer who uses Point® and is approved with Direct Mortgage.

You input the Loan Application, and schedule the loan closing. We’ll do everything else.

Direct Mortgage’s DirectWare™ - including its Processing and Vendor Services - does it all in one user-friendly environment:

Pre-qualify a borrower; Edit a loan application; Select the best loan program for the borrower (it’s already been automatically underwritten); Lock the interest rate; Order verification processing; and, Schedule the loan closing.

Closing Documents and the Final HUD-1.

Closing documents are automatically generated and sent to the title company. The integrated closing documents and HUD-1 interface provided to the title company provides a simple and smooth loan closing that is instantly reviewed against each state and high cost lending law across the nation. This gives your borrower a picture perfect loan closing, and provides you a method to make any last minute adjustments - without the hassle.

Send your data back to Point®, reconcile your HUD-1 fees and escrows, and much, much more—all from a single point of contact.

For more information about Direct Mortgage Wholesale, visit www.DirectMortgageWholesale.com.

Join Calyx Software for a Florida Fresh Event at the 2007 MBA Tech Conference - March 1, 2007

Calyx Software invites you to a Florida Fresh salute to our Lenders and Vendors in Point on March 26th at the Mortgage Technology conference in Tampa, Florida. To join us, simply stop by the Calyx Software booth (# 700) to pick up your information packet and ticket.

The relaxed bayside reception at the Riverwalk of the Tampa Bay Convention Center is generously brought to the Point community by these Lenders and Vendors in Point sponsors:
• CBCInnovis
• Fannie Mae
• First American
• First Title
• Flagstar Bank
• GoCRM for Mortgage
• Kroll
• New Century Mortgage
• vForms

2006 was an incredible year for integrations with Lenders and Vendors in Point, and 2007 is off at an impressive pace. Please join us in celebrating the product and service providers that help make your Point experience even better. Watch for more details about this event posted here soon.

Calyx® Software Partners with Credex™ - March 1, 2007

Nation’s only fully-integrated credit pulling and lead management tool is now directly available to Calyx® Point® users

March 01, 2007 -- Calyx® Software, makers of the award winning Point® loan origination and processing system, announced today the inclusion of Credex™ (www.credex.net) to its growing partner base. This partnership allows all Calyx users to enjoy direct access to the most comprehensive credit pulling, lead capture/management, and business solution available to the mortgage broker marketplace.

Launched in 2006, Credex has already helped more than 3,000 brokers nationwide capture and qualify their leads by providing an online application called AppWizard™ that communicates instantly with the borrower, the broker and any other third-party lender and/or Realtor® deemed by the broker to be relevant to the process. Credex also helps brokers to manage their credit costs by offering many options for paying for credit including direct pass-through of the costs to the consumer.

"By helping brokers identify and qualify their serious customers early in the process by offering instant access to their credit, we help them focus their energies where they are most likely to close the deal," explained Peter Phelps, COO/CFO of Credex.

Currently the only company that provides consumers direct access to their tri-merged mortgage credit report in easy to read format in either English or Spanish, Credex fits seamlessly into a broker’s existing marketing strategy by giving them a place to direct current and potential borrowers. The full integration of Credex and CreditXpert® also assists brokers with optimizing the credit scores of their borrowers for more successful mortgage qualification.

Once the borrower completes the short online-application, their vital information is sent via text message, e-mail, or is displayed online to the broker. He or she can also choose to have that information simultaneously sent to another party, such as the Realtor® involved with the transaction, for complete communication between the parties. Meanwhile, the information is also stored in a manageable database that can then be instantly uploaded into their Point system.

“We are thrilled to be able to provide CalyxPoint® users direct access to Credex™ through this partnership. Point is the industry standard for today’s mortgage broker and it is exciting to be able to provide added value to those users by giving them tools to help them run their business more efficiently and profitably.”

New I-Update Coming March 1, 2007 - February 28, 2007

On March 1, Calyx Software will issue an I-Update that updates the interfaces in Point (versions 5.2 and higher). The update installs automatically and adds new vendors to the Lenders, Services, and Interfaces menus in Point. The I-Update also updates existing connections to lenders and mortgage services as needed.

The update process applies only to company listings in the Lenders, Services, and Interfaces menus in Point — no personal information is collected and no modifications are made to any other portions of your Point software. Sometime shortly after March 1, when Point 5.2, 5.3, and 5.4 users open their software and are connected to the Internet, Point will automatically receive and install the I-Update.

Menu Changes
Additions to each menu include:

Lenders Menu
• American Mortgage Network (Amnet)
• GreenPoint Mortgage Funding, Inc.
• Moncor
• New Century Mortgage

Services Menu – Credit
• Amaesing Credit Solutions (ISS)
• Service 1st Information Systems
• UltraAMPS

Interfaces Menu – Appraisals
• Kirchmeyer & Associates, Inc.

Interfaces Menu – Fraud Detection (New Category!)
• Rapid Reporting Verification Company

The Lender Services category in the Interfaces Menu has been removed; however, most of the lenders that were accessed in Point under that category have updated their interfaces and can now be accessed from the Lenders Menu. Allied Home Mortgage has moved from the Lender Service category to the Internet Services category under the Interfaces menu.

Other discontinued interfaces include:
• Buyers Fund/Neighborhood Gold
• Credit Quick Services
• DeepGreen Financial
• Direct Mortgage
• Information Network-e-folder
• LandSafe Credit
• Mtg. Credit Sol. Inc.
• The Jordan Real Estate Group
• Unified Title and Settlement

MLOM Allocates Automated Underwriting, Pricing and Optimization Resources for Domestic Brokerage Origination - February 23, 2007

Washington DC Mortgage Origination News Release:

MLOM, Mega Loan Officer Machine, have announced it will serve brokerage retail markets. In an announcement made by MLOM’s executive office, MLOM executives have shared the new launch of BrokerUnderwriter.com. The platform is designed to small to medium retail origination (i.e. brokers and correspondents)that are unable to acquire and/or implement an AU system.

MLOM’s Automated Underwriting, Pricing and Optimization Systems are heavier, costly, and required operational implementation on the lenders’ side. Smaller retail operation that have requested MLOM’s AUS solution but were not able to acquire it, will have access to an open Pre-Qualification platform for a standard affordable price.

MLOM’s brokerage solution of www.BrokerUnderwriter.com is available at a starting set price of $49/monthly.

“As the originator company grows and their operational levels increase, we will naturally empower them by our AUS solutions, now mainly available for larger lenders” said MLOM’s Technology Director, Tanya Braginsky. “Brokers and correspondents have been requesting to implement MLOM’s AU Systems, but were turned down due to higher cost and certain operational requirements that MLOM AU systems offer. MLOM Search platform, www.BrokerUnderwriter.com provides an acceptable starting level solution that is easy and affordable” said the Director.

Calyx Software Releases Point Version 5.4 - February 1, 2007

Calyx® Software today announced the release of Point® version 5.4. Version 5.4 includes many features that will make an impact on the day-to-day business of Point users. 5.4 includes increased Piggyback Loan functionality, a new loan status bar, added flexibility in reports, more comprehensive truth in lending disclosures and increased marketing functionality, in addition to Title Report and Verification of Employment and Income ordering in Point.

• Piggyback Loans: A streamlined process to originate and track Piggyback Loans. The loans are linked so that with a change in either loan, that change will flow through to the other – but only if it needs to. Point “knows” which data needs to change and which should stay the same.
• Loan Status Bar: In Point 5.4, a new Loan Status Bar resides below the Shortcut Toolbar along the left hand side of the screen to so you can see a summary of your loan that updates dynamically as the user works the file.
• Added flexibility in Reports: Point 5.4 allows for view and permission options, paper size/orientation, and column width adjustment in Reports. Other Reporting changes include an option to either type in the field ID or select it from a dropdown menu, determine which fields are shown and which are hidden by checking or un-checking the radio buttons, and sort data or change column widths on the generated Report for better viewing and printing.
• Order Title Reports and Verifications of Employment (VOE) and Income (VOI) through the Services Menu: Title Reports, VOEs and VOIs can now be ordered the same way as Credit and Flood - with a few mouse clicks.
• More comprehensive Truth in Lending disclosure: Point 5.4’s Truth in Lending screen can now process a wider variety of loan programs, like Interest Only Bi-Weekly, Interest Only Buydown, Option ARMs and Hybrid Option ARMs.
• Adding art work to marketing materials: Point 5.4 allows the import of a variety of file types, including jpegs, gifs, and bitmaps and Autofit, resizes an imported graphic to fit into the document.
• Popup Help: Pop-up help, which displays a description of the field when you rest the cursor over it, can be turned function on or off by clicking “select” or “deselect” in the utilities menu.

Please visit www.calyxsoftware.com/go/whatsnewinpoint for all the details.

Introducing New Century’s Alt-A Programs - January 3, 2007

Our new Alt-A programs allow brokers to close more loans with both existing and prospective borrowers.

Now brokers have more New Century programs to choose from for borrowers who are long on cash and short on docs or have high credit scores but don't qualify for A paper.

Following the success of AAA, our Alt-A programs provide even more loan options. They're available with:

• 30 Year Fixed and 5/25 ARM (1st Lien)
o 10 Year Interest Only option
• 15 Year Fixed and 30 Year Fixed (2nd Lien, Combo Only)
o 80/20, 80/15, and 80/10 Combo options
• Full doc: credit scores 640+
• SIVA/NIVA and NINA: credit scores 660+
• Loan amounts up to $1.5M; up to $1.25M for Combo
• Loan amounts as low as $50K; as low as $75K for Combo
• Full, stated (SIVA), no ratio (NIVA) and no doc (NINA) type
Reserves/assets are determined by income doc type, loan amount and LTV and must be seasoned for 60 days.
For more information on our new Alt-A programs, please visit www.newcentury.com/choice.

Calyx Software Releases WebCaster 2.4 - December 19, 2006

SAN JOSE, CALIF. - Calyx Software today announced the latest release of WebCaster®, the preferred web site solution for Point users. This release — version 2.4 — provides additional site designs, optional email accounts, economical domain name registration, and more storage capacity for larger files.

“We asked our Point and WebCaster users what was important to them in an online solution, and then we incorporated what they asked for into this version,” said Dennis Boggs, SVP of Calyx Software. “Now WebCaster is a complete storefront with everything that an originator needs to do business online – domain name registration, email accounts, online loan application processing, Point integration, and notifications and site designs that will reinforce any brand.”

WebCaster is the web site solution specifically designed to work with Point. Only WebCaster offers users the Desktop Client, a tool that notifies originators as soon as prospects submit loan applications on their WebCaster site. The applications then transfer (with secure 128-bit encryption) directly to Point or Point Data Server. This tool can be downloaded from the WebCaster Administration site, free of charge to all WebCaster subscribers.

As a company, Calyx Software is dedicated to providing tested products that help originators succeed at price points that make sense. At only $24.99 a month, WebCaster is quality consistent with custom designed sites, yet integrates better with Point to streamline the loan process. Since its re-launch in the third quarter this year, with the incredible low pricing and no contracts or set-up charges, WebCaster has seen impressive adoption.

Boggs continued, “With slowing growth in the market, Calyx Software remains steadfastly committed to helping our customers succeed. Because of the pricing and features in 2.4, our users are telling us they are purchasing additional sites — sites specific to a particular market, like for a suburb or for a vacation destination. We are proud to be a vehicle for that expansion.”

FIRST AMERICAN’S ANTHEM LENDER DIRECTORY OFFERS A CLEAR PATH TO BROKERS AND LENDERS NOW USING ALTERNATIVE CREDIT SOLUTIONS
—Company Also Announces Key Enhancements to its Alternative Credit Product Suite— - November 3, 2006

LAS VEGAS, Nov. 3, 2006 —The First American Corporation (NYSE: FAF), America’s largest provider of business information, today announced the availability of the Anthem Lender Directory, a growing index of screened and certified mortgage lenders who have incorporated nontraditional credit scoring solutions into their underwriting processes. More than 200 loan officers from across the nation are currently listed in the growing directory, which assists real estate agents, community-based organizations, home counseling service providers and consumers in identifying lenders who are using the latest credit evaluation techniques to deliver the best possible loans at the best possible prices.

Introduced at the National Association of Hispanic Real Estate Professionals (NAHREP) convention in Las Vegas this week, the Anthem Lender Directory is expected to be of great value within the homebuying segments where a more comprehensive approach to credit is necessary to better evaluate borrowers without established files at the major credit bureaus. First American’s credit information subsidiary, First American CREDCO—the largest provider of credit information to the mortgage industry—estimates that 20 percent of Americans are “unscorable” using traditional credit bureau data alone, but that many can qualify for prime-grade loans when alternative payment history is brought into the evaluation process.

“By helping consumers efficiently identify trusted lenders who are now embracing alternative credit solutions, First American is continuing to serve as a catalyst in creating homebuying opportunities within the emerging minority and new immigrant homebuyer segments,” said Mark F. Catone, senior vice president for First American CREDCO. “Connecting those homebuyers with committed lenders who have undergone our rigorous compliance screening process will enable many more deserving families to secure prime-grade mortgage loans.”
“On a $300,000, 30-year loan, a family that qualifies for a 6 percent rate will pay $600 less per month and $220,000 less over the life of that loan than a family with a 9 percent interest rate,” said Landon V. Taylor, vice president of Market Development at First American. “Often the only barrier keeping that family from the lower rate is a credit score derived from data that does not fully reflect the borrower’s willingness and ability to repay the loan. Lenders who use alternative credit solutions are helping lift this barrier and leveling the playing field for prospective homebuyers with nontraditional banking, credit and spending patterns.”

In addition to the new Anthem Lender Directory, First American has also announced several enhancements to its Anthem product suite, a tested and reliable alternative credit solution that helps mortgage applicants with little or no traditional credit history qualify for prime-grade financing. Anthem augments traditional credit bureau data with rent, utilities, insurance and other types of payment histories to produce a more comprehensive view of a borrower’s payment behavior. New enhancements include:
• Spanish language credit reporting and disclosures;
• International credit data reporting;
• Automated “thin-file” and “no-file” notification;
• Automated Individual Tax Identification Number (ITIN) identification; and
• Integration with EagleCert, an insured valuation product from First American that offers time and cost savings over a traditional appraisal while not exposing the lender to any greater risk.

Anthem is the only fully compliant mortgage credit reporting solution that meets mortgage loan underwriting and due diligence requirements of the U.S. Department of Housing and Urban Development (HUD), the Federal Housing Administration (FHA), Fannie Mae and Freddie Mac.

NAHREP Chairman Frances Martinez Myers noted that the current mortgage industry practice of “lowering credit standards and raising allowable debt-to-income ratios” is a disservice to borrowers and to businesses over time, and that “broadening the current credit spectrum to be more inclusive of culturally influenced Hispanic borrower traits” is a healthier, short- and long-term approach. The enhanced Anthem product suite provides lenders with the tools necessary to efficiently and profitably make loans based on alternative credit criteria.
“We are taking the next step in closing the homeownership gap by building upon our success with Anthem,” said Taylor. “By meeting the specific compliance and underwriting needs of mortgage lenders and investors, we are seeing increased adoption of Anthem.”

Last week, First American announced a new partnership with Neighborhood Housing Services of America (NHSA) that is using Anthem to help qualify “thin-credit/no-credit” borrowers for prime-grade mortgages. Employing the broader credit information available via Anthem, the program successfully delivered its first prime-grade loan to a homebuyer in October.

For more information on the Anthem product suite, please visit: www.credco.com/anthem. Lenders and brokers interested in registering with First American’s Specialty Lender Directory should visit www.credco.com/crediteducation, or call (800) 255-0792.

First Title and Calyx Announce Integration - October 24, 2006

SAN JOSE, CALIF. and Rockville, MD.– October 24, 2006, Calyx® Software, provider of the mortgage industry-leading Point® software and First Title & Escrow, Inc. (First Title), a nationwide provider of title and closing services to mortgage lenders and brokers, today announced a collaboration agreement to make First Title one of two title vendors on the Calyx DirectConnect™ platform. When completed, the MISMO interface-based integration will allow Point users to transmit title and closing orders directly from their Point desktop.

Because of the integration, Point users will receive an instant HUD-1 in the Point file, complete with exact closing, recording and title insurance premium fees. Because these numbers can be imported at an early stage in the loan, originators can price their loans more accurately earlier and streamline the origination processes.

“First Title is excited to be able to offer our products through DirectConnect to the incredible number of Point users,” said Steven Papermaster, CEO of First Title. “With respect to both future products and our existing offering, Calyx is a great partner. Working together, we can make a difference in MISMO and eventually help alleviate some RESPA concerns for our industry.”

Calyx and First Title are working together to recommend upgrades to the MISMO Title specifications that will allow for an accurate Good Faith Estimate (GFE). Those updates are expected with the next release of MISMO. With additional fields added to the MISMO Title specifications, First Title will include exact loan data and will insure (not to exceed) closing fees, title fees and recordation fees directly in the Point file. First Title is offering that product through their Web interface, www.firsttitleservices.com, today.

“DirectConnect partners like First Title are quickly expanding our offerings and helping Point users be more productive everyday,” said Dennis Boggs, senior vice president of Calyx Software. “We look forward to the next steps in this partnership. For the past year, Point users have seen consistent innovation and quality enhancements that make sense for today’s originator. Companies like First Title will continue to play an important part of that growth and reliable quality from all Calyx Software products.”

1ST National Lending Services Announces Partnership with Calyx Software for Integration in Calyx Point - June 20, 2006

Folsom, CA, - (June 20, 2006) 1st National Lending Services (1st NLS) and Calyx Software, makers of Point loan origination and processing software, have agreed to integrate ExpressLoan™, 1st NLS's automated underwriting engine, into Point. Beginning July 1, 2006, Point users will be able to click on the lender menu and instantly access 1st NLS’s transactional website www.1stnlswholesale.com, without leaving the Point application.

John Howarth, Regional Manager with 1st NLS shared “Our business partners will now have the benefit of one click access through the Point solution. This integration of systems will allow greater opportunity for our partners to upload, lock and doc loans with 1st National Lending Services, with the convenience of never leaving the Point community. The speed of service gained from an integration of this type, is essential to our business model as the mortgage industry changes to meet the needs of borrowers.”

The combination of Calyx Point with 1st NLS’s business partners offers a reliable, cost-effective solution that streamlines and optimizes all phases of the loan process – from origination through closing. The Point solution joins both loan officers and processors to 1st National Lending Services, utilizing Calyx Software's WebConnect™ technology in a straightforward exchange of data. The reputation of the Point product coupled with on-line process of the 1st NLS’s offerings promises to increase loan production, leading to greater profitability for both 1stNLS and our business partners.

Sierra Pacific Mortgage Announces Partnership with Calyx Software for Integration in Calyx Point - June 20, 2006

Folsom, CA, - Sierra Pacific Mortgage, Corp. (SPM) and Calyx Software, makers of the award-winning Point loan origination and processing software, today announced an agreement to integrate ExpressLoan™, SPM's automated underwriting engine, into Point. Beginning around July 1, 2006, after Calyx issues an electronic update that adds new connections in Point software, Point users will be able to click on the lender menu and instantly access Sierra Pacific's transactional websites Sierra Pacific Mortgage, without ever leaving the Point application.

Chuck Iverson, Vice President of Production at Sierra Pacific Mortgage, explained, “The partnership between Calyx and Sierra Pacific represents a key milestone in our quest for the outstanding technology offerings for our customers on a national basis. Our business partners will now be able to price, lock and close loans faster and easier than ever before by using this important resource to access ExpressLoan™, our proprietary automated underwriting engine.”

"At Sierra Pacific Mortgage, we specialize in the business of wholesale, retail and correspondent lending. SPM’s focus on customer service, as well as developing our automated underwriting engine, ExpressLoan™, has made SPM a leader in cutting edge technology for the mortgage industry."

Based on the Wholesale Access 2004 Broker Study released in July 2005, Calyx Point is currently used by over 300,000 mortgage professionals, representing a 68% market share. This new alliance offers SPM’s business partners a reliable and cost-effective solution that streamlines and optimizes all phases of the loan process – from loan marketing through closing. This solution connects loan officers and processors to Sierra Pacific Mortgage, utilizing Calyx Software's WebConnect™ technology to exchange data seamlessly. Combining the strength and consistency of the Point product with Sierra Pacific’s offerings promises to increase loan production and in turn create greater profitability for both SPM and our business partners.

Calyx Releases Point and Point Data Server v 5.3 - June 15, 2006

Calyx Software today announced the release Point 5.3 and Point Data Server 5.3. Shipping now, Point 5.3 is packed with new features, updated forms, and a host of enhancements that make loan origination and processing even faster and more efficient. Point Data Server 5.3, compatible with the latest version of Point, is the convenient, secure way to share Point files across an organization and adds shared Cardex contact manager, print groups, and templates to its array of features.

New Features in Point 5.3
Point version 5.3, in addition to working with the latest version of Point Data Server, contains the following new features:

New Flood Certification in Point
With this new feature, Point users can order and receive flood certificates through a quick, convenient, and direct connection from a drop-down list. The complete flood certificate is rapidly generated, transmitted back, and stored with the loan file in Point so any time the file is moved, copied or deleted, the certificate goes with it.

New Task Reminder
This handy feature lets Point users set a reminder for critical tasks. A reminder notice pops up on the day and time specified, ensuring that important tasks are never forgotten.

Revamped Conversation Log
The Conversation Log sports a new look in Point 5.3. It features a row-and-column format—each row contains a separate item pertaining to the conversation and when hovering over an item in the new Conversation Log, the entire entry is displayed.

Credit Reports (Services menu)
When ordering a credit report, the Range of Scores field on the Credit Score Disclosure form populates automatically. The following items have been added to the Credit Request screen:
· Payment by Credit Card and Requested By (for credit agencies that wish to include it).
· Borrower and Co-Borrower Former Address, City, State, and Zip fields.
· Instead of displaying "Response file could not be read" when an error occurs, Point now displays a specific message with possible causes and suggested solutions.

Loan Application Page 3
Up to 200 Liabilities and 200 Real Estate Owned properties can now be entered on the form.

Fee recalculation
Specific fees on the Loan Application and Good Faith Estimate recalculate automatically when the Loan Amount, Sales Price, or Appraised Value is changed. The following fees can be locked or modified manually:
· Hazard Insurance Premium
· Hazard Insurance Reserves
· Mortgage Insurance Premium Reserves
· Taxes and Assessment Reserves
· Closing or Escrow Fee
· Title Insurance
· City/County Tax/Stamps
· State Tax/Stamps
· Three user-defined fields

Cardex Database
Character count limits have been increased for the following fields:
· Company Name (up to 50 characters)
· Cardex Category (up to 20 characters)
· E-Mail (up to 75 characters)

Freddie Mac
Before a loan is submitted, Point checks the loan file and sends a notification if portions of it have not been filled out correctly. With the implementation of the Property Inspection Alternative, the option of ordering No Appraisal MAF is no longer offered by Freddie Mac; therefore, it has been removed. The following new export options have been added for Loan Prospector 2.1 (first added in Point 5.2a).
· A checkbox for Stated Express Mortgage has been added to the Freddie Mac.
· Addendum for Stated Express Mortgage loans.

· Updated forms and screens:
· IRS Request for Copy of Tax Return (4506)
· IRS Request for Transcript of Tax Return (4506-T)
· HUD Conditional Commitment D.E. Statement of Appraised Value (HUD-92800.5B)
· HUD/VA Addendum to Uniform Residential Loan Application (HUD-92900-A/26-*1802a)
· 203(k) and Streamlined (k) Maximum Mortgage Worksheet (HUD-92700)
· FHA DE Analysis of Appraisal
· FHA Energy-Efficient Mortgage Fact Sheet
· Standard Flood Hazard Determination
· VA Loan Analysis (26-6393)
· VA Request for Certificate of Eligibility (VA 26-1880)
· VA Verification of VA Benefits (26-8937)
· Texas Mortgage Broker/Loan Officer Disclosure
· California Mortgage Loan Disclosure Statement/Good Faith Estimate
· Florida Brokerage Business Contract
· Florida Lender Disclosure

New Features in Point Data Server 5.3
Point Data Server, Calyx Software's convenient, secure way to share Point files across an organization has added new features to this latest version which allows Point users to not only share Point files in a central secure database and make them accessible almost instantly from any location, but also gives them the ability to share their Cardex contact manager, print groups and template files across a network. This latest version also provides new network management tools that allow administrators to custom tailor security levels across the network.

Calyx began shipping Point and Point Data Server 5.3 on June 15, 2006. All current Point subscribers should receive their update before the end of the month. For more information about these releases, call (800) 362-2599 or visit our website at www.calyxsoftware.com.

Calyx Software and Ellie Mae Settle Lawsuit - February 14, 2006

Calyx Software and Ellie Mae announced that they have fully resolved their dispute in Calyx’s lawsuit against Ellie Mae. The settlement is mutually beneficial in allowing both companies to focus on serving their respective customers. As part of the confidential settlement, Ellie Mae agreed to pay Calyx an undisclosed sum.

Calyx and Ellie Mae are distinct companies, each with their own products and services to offer to the mortgage industry. Any confusion in the marketplace regarding this distinction is not desirable. Certain statements attributed to Ellie Mae in the past implying affiliation between Ellie Mae and Calyx have been inaccurate. Calyx and Ellie Mae are not now and have never been involved in acquisition or partnership discussions of any sort.

Calyx Releases Point v. 5.2 - December 8, 2005

Calyx Software today announced the release of Point 5.2, which includes the new loan application form that becomes mandatory by Fannie Mae and Freddie Mac for all loans taken after January 1, 2006. Calyx Software worked with both agencies to update the screens and forms in Point to meet their guidelines, and made the forms available to Point users in Point 5.2, scheduled for shipment beginning December 8, 2005. Current Point subscribers should receive their new software by mid-December.

New Loan Application (1003)
The revised application includes requirements for the collection of asset and liability information from persons, in addition to spouses, with community property or similar rights pursuant to applicable state law. The new form also includes signature lines for the applicant to indicate whether the application is for joint or individual credit and recognizes the assets of all non-applicants who share community property with the applicant.

New Transmittal Summary
Fannie Mae has also revised the Transmittal Summary (Fannie Mae Form 1008) by adding new project classification codes to identify loans secured by condominium units. This updated form will also be included in Point 5.2.

Other New Features in Point 5.2
Mouse Wheel Scrolling - If your mouse includes a wheel, you can now use it to navigate up and down on all Point screens.
PDF Password Protection - You can choose to e-mail or save any form as a PDF—with or without a password.
Balloon Checkbox - The Balloon checkbox will be automatically checked if the number of months in which the loan is due is less than the terms of the loan.
Mortgage Loan Origination Agreement - The Custom Forms section now includes a copy of the Mortgage Loan Origination Agreement, which can be customized to reflect your state's regulations.
Verification Screens - All verification screens now include the Lender No. field (Field ID 215).
Truth-in-Lending - The Truth-in-Lending screen now accepts bi-weekly loan scenarios for 40-year loans. Extra payment scenarios for bi-weekly loans can now be calculated on the Truth-in-Lending payment schedule.

Updated Screens and Forms Loan Application (Fannie Mae 1003; Freddie Mac 65)
• Transmittal Summary (Fannie Mae 1008; Freddie Mac 1077)
• Borrower's Certification and Authorization
• IRS Request for Copy of Tax Return (4506)
• IRS Request for Transcript of Tax Return (4506-T)
• Privacy Policy Disclosure (co-applicant signature line added)
• Request for Evidence of Insurance
• Request for Title Commitment
• VA Debt Questionnaire (26-0551)
• VA Request for Determination of Reasonable Value (26-1805)

New Lenders in Point
Beginning Q1 2006, you can conduct direct transactions with the newest Lenders in Point—right from your Point desktop.
• American Brokers Conduit
• HLB Mortgage

Calyx Announces the Release of Point and Point Data Server v. 5.1 - August 3, 2005

Calyx Software today announced the release of Point 5.1 and Point Data Server 5.1. From a brand new connection to Freddie Mac's Loan Prospector in Point to Internet-based loan file sharing in Point Data Server—which no longer requires VPN—the enhancements in 5.1 will have a measurable impact on your business. Calyx began shipping on August 3, 2005 and subscribers should receive their update before the end of the month. To receive your software, make sure your subscription and shipping information is current.

New Features in Point 5.1 New Connection to Freddie Mac - Consistency and seamless integration make the new connection to Freddie Mac's Loan Prospector quick and easy to use. Best of all, you can conduct direct transactions-right from your Point screens. Underwriting findings, credit reports, and other data can be automatically downloaded and stored with your loan file, making it easy to review results anytime.
Redesigned Cardex database - New fields, enhanced import and export capabilities, and printing from within Point make the new Cardex database an easy, convenient, and flexible way to manage your contacts.
Marketing forms now in Borrower files - Marketing forms such as the Loan Comparison, that were previously available only in Prospect files, are now available in Borrower files, too.
Flexible printing options - The order in which you would like forms to print can now be specified. When you create a Print Group, you can designate its access to be local or shared. If you share Print Groups, other people on your network can use them.

Point Data Server 5.1*
Centralized data, security, and control - Store and manage Point loan files on a secure central server that can be accessed from any location using Point 5.1, a login, and an Internet connection. With Point Data Server, data files can be copied or deleted only from within Point, ensuring that loan data always remains secure.
Lightning-fast performance - With its amazing speed and performance, Point Data Server enables you to search loan files, review task lists, and run reports-hundreds of times faster than with Point alone.
Collaboration and visibility - Share loan files with everyone in your organization no matter where they work-in a branch office, remotely, or even from a client's location. Using Point 5.1, headquarters and branch offices can monitor business by running reports based on loan files stored on the Point Data Server.
Transparent to Point users - Using Point 5.1, loan officers and processors can work with files stored on the Point Data Server exactly like they work with their loan files today. There's nothing new to learn.

* No longer requires VPN

Calyx Gains Market Share in Third Consecutive Wholesale Access Report - August 2, 2005

Preliminary findings from the Wholesale Access Mortgage Brokers Study 2004 (scheduled for release in August) confirm that Calyx Software's Point is still by far the nation's number one loan origination and processing software. In the study conducted earlier this year, Calyx was used by 67.9% of all mortgage brokers in the randomly conducted poll-an increase from 66% in 2002.

Preliminary Results: 2004 Study
Calyx Software® .... 67.9%
Genesis®* .......... 14.7%
Byte ................ 6.1%
Contour®* ............4.5%
Encompass®* ......... 4.3%
*Ellie Mae® product

According to the study, Calyx Point users showed the highest satisfaction level with their LOS of all the software providers listed above.

"Calyx customers had the highest level of satisfaction of all of the larger mortgage software providers. One of the major reasons for that level of satisfaction is the excellent customer service that Calyx provides."
David Olsen
President of Wholesale Access

Atone Software, Inc. is Now Available Nationwide Through Calyx Point v. 4.3 - March 18, 2004

Atone Software and Calyx Software are pleased to announce the integration of Atone’s core technology, Automated Mortgage Processing (AMP™), into Calyx Point® v.4.3 through Calyx’s Preferred Point Partner platform. With the new Interface, brokers and other mortgage professionals can select Atone Software from the Interfaces > Internet Services menu and, with a single click, send originated file data to Atone. AMP gives Point originators and processors more ways to connect electronically to their partners, including the ability to transmit both loan file data and documents to their lenders, in lieu of traditional paper faxing and over-nighting paper files.

AMP permits Point users to attach supporting documents directly to their corresponding conditions from DU or LP findings and to clear the conditions online. The AMP tool also provides automatic email notifications of loan activity to all parties; custom loan delivery of data and documents; and customized interfaces for all parties to view loan information and collaborate online from any web browser.

“With the integration with Calyx, AMP is uniquely able to provide a collaborative loan processing center that allows real-time communication and delivery of data and documents to all parties involved in the loan process,” said Richard Collins, CTO at Atone Software.

According to Dennis Boggs, Senior Vice President of Business Development at Calyx, "The digital loan package is certainly coming to life. Atone has utilized the Calyx Preferred Point Partner platform to improve on the hand off between Point and AMP. We’ll see Atone picking up even more data in the Point 4.4 release due out in mid-April. This is an exciting development for our customers, and we expect even tighter integration around this solution going forward."

Brokers and Lenders Experience Significant Workflow Benefits from Tighter Application Integration - March 18, 2004

ATLANTA, March 10, 2004 - Calyx Software, a leading provider of desktop loan origination systems, and Advectis, a provider of paperless origination and loan archiving applications specifically designed for the mortgage industry, announced a tighter integration of their flagship products, Calyx Point and BlitzDocs. This integration comes as Advectis joins the Calyx Preferred Point Partner program and will significantly increase workflow efficiencies for both brokers and lenders in their loan origination and underwriting processes.

“We use both Calyx Point and BlitzDocs,” said Cheryl Reeves, Vice President of Mortgage Services of Mortgage Tree Lending. “We selected both products because they are regarded as industry standards by our originators. Now that Calyx and Advectis have decided to more tightly integrate their products, our loan originators will benefit from a blended application that is easier to use. The integration of BlitzDocs and Point gives us a seamless best of breed solution that completely eliminates the need to re-key redundant information.”

“Currently, Calyx Point is in use with more than 65 percent of the nation’s brokers,” said Greg Smith, president and co-founder of Advectis. “When our current customer base, which includes four top 20 lenders, has fully deployed, we anticipate that BlitzDocs technology will be implemented with many of the same brokers using Calyx. To ensure that this process goes as smoothly as possible, we felt that collaborating with Calyx to deliver a more integrated, easy-to-use solution for our joint customers, was the natural next step.”

"With more time to focus on their current and potential technology investments, brokers are highly critical, as they ought to be, of solutions that promise drastic improvements in efficiencies," said Dennis Boggs, Senior Vice President of Business Development for Calyx Software. "With BlitzDocs, our brokers will now have the tools to build their own e-folders, and they can collaborate within their enterprises, immediately realizing significant efficiencies. Likewise, brokers can hand off the e-folder to a wholesale lender or investor with ease, and spend the time they save generating new leads."

With Advectis as a Preferred Point Partner, a broker will be able to access BlitzDocs from within Point to create electronic loan folders without re-keying any information already captured in Point. Brokers, using ordinary fax machines or scanners will also be able to submit imaged documents to lenders for paperless underwriting. The integration will further streamline the loan process by allowing both brokers and lenders instant access to underwriting findings, loan status, credit information and appraisals via a secure on-line connection.

"Clearly we are reaching the point where the loan package itself is undergoing a transformation from paper to electronic. Through the Preferred Point Partner platform, Advectis is creating an interface that will provide even greater efficiencies for BlitzDocs users, and will extend the value of Point,” said Boggs.

Point provides brokers with a seamless method of connecting to their lenders by allowing them to search products and services, register and lock loans, as well as submit applications for automated underwriting. Data only has to be entered once and can be transferred to lenders without re-keying. Point also reduces response time to minutes and automatically stores lenders’ responses.

“The fact of the matter is that we have hundreds of brokers using BlitzDocs, and we have hundreds of brokers using Point,” said Herb Palmertree, first vice president of Atlanta-based Liberty Mortgage. “Even more important than the heightened integration of two powerful tools for our brokers to get us loans faster and with less work is the fact that with Calyx’ market share and BlitzDocs’ ability to remove paper from the origination and processing of loans, this alliance is an example of an industry bound for the electronic mortgage.”

BlitzDocs allows lenders to streamline the loan document submission and underwriting process with their brokers or originators. The heart of the BlitzDocs solution is the electronic loan folder (“e-folder”), which mirrors the paper loan folder used by mortgage companies today. Using a fax machine or scanner and a Web browser, brokers, lenders, investors and other authorized parties are able to capture, submit, organize, underwrite, audit, securely share and archive submission packages and closed loan documents in real time.

Calyx created the Preferred Point Partner program to provide mortgage service providers with a streamlined automation platform built into the Point software. This integration is one additional step toward bridging today’s paper-intensive processes with tomorrow’s e-mortgage by reducing costs, turnaround time and increasing overall process efficiency for both brokers and lenders. To be certified as a Preferred Point Partner, a vendor's interface must meet certain requirements, including the ability to send data from inside Point, and if necessary, create or update Point files.

Calyx Software Announces the Newest Lender in Point - March 18, 2004

San Jose, CA. - Calyx Software, makers of the award winning Calyx Point loan origination and processing system, announced today the creation of a new Lender in Point® interface that gives Point users direct access to Saxon Mortgage, Inc. (“Saxon”), a subsidiary of Saxon Capital, Inc. (NASDAQ: SAXN) eSaxon automated underwriting system from within the Point program. The new interface allows data to flow instantly from Point files into the eSaxon underwriting system, making it faster and easier than ever before for mortgage professionals to conduct direct transactions with Saxon.

With the new application, information goes straight from Point software to Saxon’s system and back, so loan decisions are available in minutes. The new interface will become available in the April, 2004 release of Point version 4.4.

According to Dennis Boggs, Senior Vice President of Business Development at Calyx Software, "The new Saxon interface in Point is clearly solving what brokers are looking for; easy access to their lenders, data synchronization between lender and broker, and documents from the lender that are stored with their files that can be viewed and printed off line. Saxon is at the forefront employing the new web Lender in Point interface. Launching eSaxon from within Point will assure quick adoption of Saxon’s technology by Point users, and will require a lot less training than so many other interfaces available in today's marketplace

"At Saxon, we specialize in the business of sub-prime and non-conforming mortgage loans. Saxon's roots date back to 1989, and since then we have consistently increased our market share in this arena. Our focus on customer service and the best employees in the business have made Saxon a superior lender. Our new interface in Point will provide our borrowers with even greater service and efficiency," said Dennis Stowe, President and Chief Operating Officer of Saxon Capital

Calyx Point Sales Surpass All Records in January - February 24, 2004

San Jose, CA - Calyx Software announced today that new sales of its flagship product, Calyx Point, surged in January 2004, at more than double the rate that Calyx experienced at the peak of the refinance boom last year. This January, Calyx issued 1,893 new licenses for Point, compared with 760 in January of the previous year.

The January surge in new Point licenses, combined with last December's record-breaking number of current Point users upgrading to the newest release, brought the total number of 10-user Point v 4.3 active licenses to an unprecedented 34,300. New sales of PointMan, the single user origination software, combined with upgrade subscriptions during this same period, brought the total number of active PointMan licenses to 4,600

"We expected a record number of Point users to upgrade to the latest version before the first of the year because of the new loan application that's now required," said Dave Stout, Calyx Sales Operations Manager. "We didn't really expect the surge in new sales that we experienced, since the refi boom is effectively over."

The Mortgage Bankers Association's Weekly Mortgage Surveys for January 2004, which count the number of mortgage loan applications for purchases and refinancings for that period, show a 39.8 % decrease in mortgage loan activity compared to January of the previous year. Despite the decrease in mortgage activity, new orders for Point flooded into Calyx at two and a half times last January's rate, which was the peak of the refinance boom.

According to Stout, "Ellie Mae's attempt to take customers away from us doesn't seem to have the effect they intended from their huge media blitz. What we are noticing is that many Contour and Genesis customers are switching to our product."

Dennis Boggs, Vice President of Business Development at Calyx credits Calyx's success in the market to its company culture. "We're normally a quiet company - we focus our talents on building good software and supporting our customers. Currently, all the talk in the media has our customers, and the marketplace in general, wanting to hear more from us about what we are doing. We'll do a better job of this in 2004."

Calyx Software Leads with 68% of the Mortgage Broker Market - December 2, 2003

Wholesale Access, a respected mortgage industry research firm, has once again found Calyx Software to be the dominating market leader in front-end mortgage processing software. According to recently announced Wholesale Access figures, Calyx now holds a majority of the broker market share, with 68 percent of the mortgage brokers in the nation using Point.

"According to a study of mortgage brokers in 2003 by Wholesale Access, Calyx Software is the nation's number one loan origination software," said David Olson, managing director, Wholesale Access. "The survey revealed that 94 percent of the 30,000 independent mortgage brokers identified in 2000 are using front end software, and Calyx Software's Point holds 68 percent, up from 40.7% of the market in 1998."

Ease-of-Use, Customer Satisfaction Key to Point's Market Domination
Of all mortgage brokers, 86.6% are "satisfied" or "most satisfied" with their current loan origination software. However, brokers with Calyx's Point software responded that they were "satisfied" or "most satisfied" 92 percent of the time (compared to 79 percent for all others). According to Olson, "This is a higher level of satisfaction than for any of the other loan origination software firms. The chief reasons for broker satisfaction with Calyx software were: (1) ease of use; (2) excellent program overall; (3) dependability.

Qvault, Inc. Announces Nationwide Release of Status Sweep for Calyx Point - December 2, 2003

Qvault today announces nationwide support of Status Sweep for Calyx Point loan origination software. Status Sweep is a collaboration tool that allows Calyx Point originators to web enable their existing Point software without hardware or software changes. Key features of Status Sweep include online pipeline management, automatic email notifications of loan activity to borrowers and partners and customized interfaces for staff and borrowers to view loan information and collaborate online from any web browser.

“Managing internal communication while supporting strong relationships with borrowers and value chain partners is what Status Sweep® is all about” said Rob Cecil, managing partner at Qvault. “Just keep using your existing Point loan origination software as you always have but now you can push vital need-to-know information to the very parties that need-to-know, automatically, 24 x 7” added Mr. Cecil. Current subscribers to the system have issued very positive remarks as well…”Aside from Point, Status Sweep is the single most important tool we have managing the back-bone of our operations” remarked Ervin Kowitz of Premier Financial Company in Baltimore, Maryland. “We are 1000% satisfied.”

What is unique about Status Sweep is how it works with existing Calyx Point loan origination software. Status Sweep ‘sweeps’ active borrower files on an hourly basis then securely posts this information on customized websites for management, loan officers and processors to view critical information in a very user friendly interface. Likewise, borrowers can log into the system and view detailed information about their loan including conditions pending and other key data. While management will find the online pipeline management features indispensable, the system also provides automatic email notifications to all parties when key changes take place in Point.

Status Sweep is a patent pending ASP model. There is no hardware or software to purchase and the solution is priced for any size brokerage to take immediate advantage of its communication power.

"Qvault's Status Sweep is a valuable addition to the long line of mortgage products that work well with Point. Calyx's openness in it's use of technology encourages creative vendors like Qvault to build products that add value to Point, thus increasing the effectiveness and profitability of mortgage professionals," said Dennis Boggs, Vice President of Business Development, Calyx Software.

Thirteen Credit Providers Support New MISMO Credit Interface in Calyx Point - September 20, 2002

San Jose, CA – Calyx Software, makers of the award winning Calyx Point loan origination system, announced today the creation of a new program that streamlines the process of ordering credit from within the Point program. This new credit interface is the first service offered through Calyx’s Services in Point program, designed to better integrate services into Point software, using industry-wide MISMO (Mortgage Industry Standards Maintenance ) XML data standards. The first version of this feature will be delivered to customers in early October with the release of Point v4.0.

The new credit interface places the credit ordering and processing functions directly in Point, making it quicker and easier than ever for loan professionals to gather credit information. Through a simple user interface, a broker can order credit; including new orders, upgrades, and reissues; populate liabilities; and view and print reports. Brokers enjoy the convenience of never having to leave Point to access credit.

Additionally, this new interface enables Point to store more information than ever within the broker’s Point file. All credit reports and results become part of the Point file, and if the files are copied, moved, or emailed, the reports and results automatically move along with them.

Calyx partnered with the following credit providers to introduce this program.

• ACRAnet, Inc.
• AIR Credit Reporting, Inc.
• American Reporting Corp (ARC)
• Equifax Mortgage Services
• Factual Data Corp.
• First Magnus Credit Services
• INFO1
• Informative Research
• NCO Credit Services
• Old Republic Credit Services
• ONLINE Mortgage Reports
• SW Credit Services, Inc.
• Synergistic Software Systems, Inc.

Additional credit providers will be added to the program in future releases.