EXHIBIT II - ADJUSTMENT MATRIX
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- Duane Paul
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1 See ECCHO Adjustments Rules, in Section XII of the ECCHO Rules for the complete provisions for handling Adjustments. Provisions for rejection of adjustment claims are listed in Section XII(E) as follows: The receiving Member may either reject the request for settlement for an Adjustment Claim or initiate a second timely Adjustment Claim to reverse the settlement on the first Adjustment Claim in the following circumstances: a) The sending Member did not comply with Section XII or the requirements of the Adjustment Matrix, b) The adjustment claim does not relate to an item handled by the receiving Member, c) The Adjustment claim was a duplicate, d) The receiving Member had itself previously initiated an adjustment claim relating to the same matter, or e) The receiving Member has reasonable basis for concluding that the sending Member has not established the factual basis for the claim, except in situations when the adjustment claim relates to a RCC warranty. Adjustment Reason 1 n Conforming Image (NCI) Image Missing Ineligible item Invalid RT 1a n Conforming Image (NCI) Image Missing Ineligible item Invalid RT Deadline (Ranges) Min $ With/Without Entry Dr /Cr who can Make Adj to whom Adj Can be made Information Needed 20 B ne W Entry Dr/Cr Either Either CL Total & Date Type of NCI 21 B 1 year ne W/O Entry Dr/Cr Either Either CL total & date Type of NCI 2 Mis-matched MICR 90 C ne W Entry Dr/Cr Either Either 2a Mis-matched MICR 91 C - 1 year ne W/O Entry Dr/Cr Either Either 3 t our item 90 C ne W Entry Dr/Cr Either Either 3a t our item 91 C - 1 year ne W/O Entry Dr/Cr Either Either ItemDate Group Adjust Copyright 2016 by ECCHO Exhibits December 2016 Exhibits Page 5
2 4 n-negotiable item/n Cash Item 90 C ne W Entry Dr/Cr Either Either ItemDate 4a n-negotiable item/n Cash Item 91 C - 1 year ne W/O Entry Dr/Cr Either Either ItemDate 5 Duplicate Item (single or multiple) Same Bank 180 C ne W Entry Dr/Cr Either Either For Both items Case # (if notified) advice. 5a Duplicate Item (single or multiple) Same Bank 181 C - 1 year ne W/O Entry Dr/Cr Either Either For Both items Case # (if notified) advice. Copyright 2016 by ECCHO Exhibits December 2016 Exhibits Page 6
3 6 Duplicate Item (single or multiple) Different Bank 6a Duplicate Item (single or multiple) Different Bank 7 Amount Error Legal amount - Encoding Error - Misread 7a Amount Error Legal amount - Encoding Error - Misread 8 Entry in Error Adjusting Errors Settlement 8a Entry in Error Adjusting Errors Settlement 180 C ne W Entry Dr/Cr Either Either For Both items Case # i(f notified) advice. 181 C - 1 year ne W/O Entry Dr/Cr Either Either For Both items Case # (if notified) 180 C Federal 181 C - 1 year Federal 20 B Federal 21 B - 1 year Federal advice W Entry Dr/Cr Either Either Copy of item Amt Difference W/O Entry Dr/Cr Either Either Copy of item Amt Difference W Entry Dr/Cr Either Either Previous reference # in error W/O Entry Dr/Cr Either Either Previous reference # in error Copyright 2016 by ECCHO Exhibits December 2016 Exhibits Page 7
4 9 Warranty Indemnity Claims 1 year Federal 10 Rule 8 & 9 Claim Follow Rules in Section XIX(N) & (O) 11 Disclaim Warranty - Rule 8 & 9 Follow Rules in Section XIX(N) & (O) 12 Unauthorized RCC Warranty Claim 90 C ne W Entry Dr Receiving 12a Unauthorized RCC Warranty Claim 91 C - 1 year ne W/O Entry Dr Receiving ne ne 13 Late Return Claim 60 C Federal 14 Late Return Disclaimer 20 B Federal 15 Request for Information Information Adjustment Claim Receiving 16 Request for Original or Sufficient Copy Information Adjustment Claim Receiving 1 year Federal 17 Other 1 year Federal W Entry Dr/Cr Either Either Description of Warranty Breach W Entry Dr Receiving W Entry Dr Receiving W/O Entry Dr Receiving 1 year ne W/O Entry Dr Receiving W/O Entry Dr Receiving Copy of Affidavit (see sample in Exhibit VIII) Copy of Affidavit (see sample in Exhibit VIII) Copyright 2016 by ECCHO Exhibits December 2016 Exhibits Page 8
5 18 Disposition of Item (where the item was sent) Information Adjustment Claim Receiving 19 Source of Receipt Item (A request to identify from whom an institution received an item) Information Adjustment Claim Receiving 20 Image Cash Letter Difference Missing Out of Balance 20a Image Cash Letter Difference Missing Out of Balance 21 Expedited Recredit te: Limited to Substitute Checks only 22 Adjustment Reversal te: Can only be used when Making Claim has reference number for adjustment to reverse. 22a Adjustment Reversal te: Can only be used when Making Claim has reference number for adjustment to reverse. 23 Claim of Damage due to Under-encoding ** 20 B Federal 23a Claim of Damage due to Under-encoding ** 21 B 1 year Federal 1 year ne W/O Entry N/A Either Either 1 year ne W/O Entry N/A Either Either 20 B ne W Entry Dr/Cr Either Either Date of CL $ of CL # item in CL (if not missing) Depending on Settlement System 21 B 1 year ne W/O Entry Dr/Cr Either Either Date of CL $ of CL # item in CL (if not missing) Depending on Settlement System 120 C ne W/O Entry Dr/Cr Either Either Follow requirements in Reg CC C ne W Entry Dr/Cr Either Either Previous reference # Previous date charged 91 C 1 year ne W/O Entry Dr/Cr Either Either Previous reference # W Entry Cr Receiving W/O Entry Cr Receiving or by Agreement or by Agreement Previous date charged Information from encoding error CL total & date Entry date Information from encoding error CL total & date Entry date Copyright 2016 by ECCHO Exhibits December 2016 Exhibits Page 9
6 24 Pricing Error Adjustment N/A** * *Deadline not applicable since ECCHO Member did not receive forward or return item. Federal Minimum 25 Wrong Payee Credit 180 C Federal 25a Wrong Payee Credit 181 C 1 year Federal 26 Return Adjustment 60 C Federal 26a Return Adjustment 61 C 1 year Federal W Entry Dr/Cr Either Either Same as Federal W Entry Cr N/A N/A Copy of check, Maker name, Check number, Account on Check W/O Entry Cr N/A N/A Copy of check, Maker name, Check number, Account on Check W Entry Dr/Cr Either Either Reason for use Item sequence number Date of Deposit Copy of item that includes (RT, Acct #, Amount, Check #) W/O Entry Dr/Cr Either Either Reason for use Item sequence number Date of Deposit Copy of item that includes (RT, Acct #, Amount, Check #) Copyright 2016 by ECCHO Exhibits December 2016 Exhibits Page 10
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