HSBC believes its important for our customer to

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HSBC believes its important for our customer to
Leading the way in Technology

• Get what they need,
• When they need it!

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In 2004, HSBC moved to a paperless environment
by introducing Webloan and ImageQuick technology.
Leading the way in Technology
Faster service, happy customers and
employees!

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Paper Issues
Prior to utilizing a paperless system, paper
loan files were utilized to create, process,
underwrite and close the loan.Paper was
pervasive
.

• Stacked in/on desks
• Filed in cabinets

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Paper Issues

• Employees would be required to utilize the paper
  file folder to view documentation
• Manual input of loan information into the system
  was also required
• The process was unorganized and tedious.
• Paper-based files were not easily accessible to
  review conditions.
• Addition of non value added functions
• Paper caused inefficiencies in the process.

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Non-value added functions!
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Benefits of Webloan and ImageQuick!
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• On-line Loan Registration
• Lock in Rates
• Expedited Loan Submission
• Priority on Loan Underwriting
• Conditions Processed More
• Efficiently
• Email Notification on EVERY Loan
• Decision
• No more Copy Packages
• No Lost Files or Faxes
• Online Real Time Loan Status
• and Approval Letter Review
• Reduced Operating Expenses
• Easy Access, Fax, Scan or Upload
• Reduced Non-Value Added
• Functions (i.e. Filing)
• Review Program Guidelines
• Pricing (Rate Sheets)

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The Bottom Line
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• Huge lift from the rollout of ImageQuick
• AEs lead with this technology to brokers
• A major win for us - fast
• Process Improvement with brokers and partners
• A platform for the future

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Thank you
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Kathy Chubb First VP of Wholesale Operations
HSBC Email kathleen.chubb_at_us.hsbc.com