Developer Conference Post It Presentation 04 27 2007

1. In the Spirit of User Experience

2. The world runs on Post-It Notes Entertainment Content Mgmt Signature Tech. Data Warehouse Collaboration Mobility

10. Demo

12. Behind the Scenes MOSS - Application Services Layer I need a loan… I am going to go to WoodGrove Bank Broker Master Loan Flow (MLF) Active 1003 Entry Pricing Lock Services Underwriting Close Lending Message Bus LOB Systems B2B Business Rules Engine Orchestration Layer Loan Forms

13. Rate Generation and Approval Workflow Collections Document Library Farm-level Workflow Association Table Rate Alerts LOB Integration Persist to database

14. Underwriter Approval Process Embedded InfoPath form with IRM Protection BizTalk Office SharePoint Server 2007 1. Underwriter Rules Fired 2. MLF Starts UW Workflow Loan Origination System WF 3. Loan Approval Form Sent 4. Return signed with manual corrections Master Loan Flow (MLF) Activate Loan Active Loan Save Lock Services Underwriting Close

16. Mortgage Fraud has more than doubled f rom 436 (‘02) to 1,036 (‘07) FBI Financial Crimes and MBA Fraudulent Loans cost Lenders 1 Billion a year FBI Financial Crimes Percentage of Online Mortgage Researchers Who Did Not Apply Online Customer Confidence Impacted US Market Forecast - JupiterResearch 2005

19. Building for Compliance Loan Document Library Loan Data Warehouse Data Stored on the Server Data Retention Policies Simplified Auditing Throughout Master Loan Flow (MLF) Activate Loan Active Loan Save Lock Services Underwriting Close Registration Pricing Lock Approval Process Products and Pricing Flow (PPF) Rate Entry Approval Processes Rates Published Blackout Over Automated Approvals Automated Approvals Secure Authentication Views into the Process Data Sent Securely

25. Recommended Resources Financial Services Architecture Center http://msdn.microsoft.com/FinServArch Mike Walker’s Blog http://blogs.msdn.com/MikeWalker MSDN Solution Architecture Center http://msdn.microsoft.com/architecture Microsoft Patterns & Practices http://msdn.microsoft.com/practices/

26. © 2006 Microsoft Corporation. All rights reserved. Microsoft, Windows, Windows Vista and other product names are or may be registered trademarks and/or trademarks in the U.S. and/or other countries. The information herein is for informational purposes only and represents the current view of Microsoft Corporation as of the date of this presentation. Because Microsoft must respond to changing market conditions, it should not be interpreted to be a commitment on the part of Microsoft, and Microsoft cannot guarantee the accuracy of any information provided after the date of this presentation. MICROSOFT MAKES NO WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, AS TO THE INFORMATION IN THIS PRESENTATION.

27. © 2006 Microsoft Corporation. All rights reserved. Microsoft, Windows, Windows Vista and other product names are or may be registered trademarks and/or trademarks in the U.S. and/or other countries. The information herein is for informational purposes only and represents the current view of Microsoft Corporation as of the date of this presentation. Because Microsoft must respond to changing market conditions, it should not be interpreted to be a commitment on the part of Microsoft, and Microsoft cannot guarantee the accuracy of any information provided after the date of this presentation. MICROSOFT MAKES NO WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, AS TO THE INFORMATION IN THIS PRESENTATION.