AMB™ provides a completely different system architecture than the “Modular” framework of older batch oriented systems. It is this architecture that allows AMB™ to track loan level detail without cluttering the general ledger. It is also this architecture that allows the system to match monies received from the borrower to those spent on his or her behalf. It would be extremely difficult with most modular systems to do this. Monies received would be entered through the Accounts receivable system where the borrower is treated as a customer. Payments made on behalf of the borrower would be done through the AP module to the Appraisal company or the Credit reporting company. Most modular systems would have no way to link these two transactions. We believe this architectural difference is the main reason AMB™ is the only system meeting the needs of Mortgage Bankers today.