i-power Consumer Loan Accounts User Guide

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1 i-power Consumer Loan Accounts User Guide Last Revised on: 10/31/2011 EPL, Inc. 22 Inverness Parkway Suite 400 Birmingham, Alabama (205) EPL (4375)

2 Property of EPL, Inc., 22 Inverness Center Parkway, Birmingham, AL , (205) , Fax (205) EPL, Inc. believes this document is accurate and reliable, and much care has been taken in its preparation. However, EPL, Inc. cannot accept any responsibility, financial or otherwise, for any consequences arising out of the use of this material. The information contained herein is subject to change. Revisions may be issued to advice of such changes or additions. The information and techniques contained in this document are the property of EPL and may not be disclosed in total or in part without the written permission of EPL, Inc EPL, Inc. All rights reserved.

3 Table of Contents OVERVIEW OF CONSUMER LOAN CLASSES... 7 SPECIAL NOTES ON VARIABLE-RATE LOAN CLASSES... 7 Pre-Adjustment Feature... 7 ACTUAL ADJUSTMENT ACTIVITY... 7 REGULATION Z COMPLIANCE... 8 PRODUCT CLASSES... 9 SETTING UP A NEW CONSUMER LOAN PRODUCT CLASS... 9 Variable and Fixed Rate Loan Class... 9 Loandraft Loan Class MAINTAINING A CONSUMER LOAN PRODUCT CLASS Variable and Fixed Rate Loan Class Loandraft Loan Class RATES MAINTAINING VARIABLE AND FIXED RATE LOAN CLASS RATES MAINTAINING LOAN DRAFT CLASS RATES MANAGE DEALERS SETTING UP A CONSUMER LOAN THIRD PARTY DEALER MAINTAINING A CONSUMER LOAN THIRD PARTY DEALER DELETING A CONSUMER LOAN THIRD PARTY DEALER MAINTENANCE HISTORY OF A CONSUMER LOAN THIRD PARTY DEALER Viewing the Maintenance History Printing the File Maintenance History Report SYSTEM CODES DELINQUENCY STATUS CODES Setting Up a Delinquency Status Code Maintaining a Delinquency Status Code Deleting a Delinquency Status Code TAPE INSURANCE CODES Setting Up a Tape Insurance Code Maintaining a Tape Insurance Code Deleting a Tape Insurance Code INSURANCE CODES Setting Up an Insurance Code Maintain an Insurance Code Deleting an Insurance Code SCHOOL TYPE Setting Up a School Type Maintain a School Type Deleting a School Type STUDENT LOAN STATUS Setting Up a Student Loan Status Maintain a Student Loan Status Deleting a Student Loan Status LOAN STATUS Setting Up a Loan Status Maintain a Loan Status Deleting a Loan Status LOAN TYPE Setting Up a Loan Type Maintain a Loan Type Deleting a Loan Type COLLATERAL CODE

4 Setting Up a Collateral Code Maintain a Collateral Code Deleting a Collateral Code PRE ADJUSTMENT DAYS Setting Up Loan Pre Adjustment Days Maintain Loan Pre Adjustment Days Deleting Loan Pre Adjustment Days LOAN OFFICER Setting Up a Loan Officer Maintain a Loan Officer Deleting a Loan Officer LENDING CONSUMER LOANS INSTITUTION PARAMETERS SETTING UP AND MAINTAINING LENDING INSTITUTION PARAMETERS LINE OF CREDIT PAYMENT TABLE SETTING UP LINE OF CREDIT PAYMENT TABLES MAINTAINING LINE OF CREDIT PAYMENT TABLES DELETING BALANCE RANGES IN LINE OF CREDIT PAYMENT TABLES CONSUMER LOAN LATE CHARGE PLANS MAINTAINING A ROLE DEFAULT LATE CHARGE PLAN LOS LATE CHARGE PLAN CONSUMER LOAN MAINTENANCE LATE CHARGE PLAN AUTOMATIC TRACKING OF LOAN EXTENSIONS FOR CONSUMER LOANS SUBSEQUENT ACTIONS MANAGE SUBSEQUENT ACTION TYPES ADDING/MODIFYING A SUBSEQUENT ACTION TYPE PERFORMING SUBSEQUENT ACTION MAINTENANCE AT THE ACCOUNT LEVEL WARNING MESSAGES SECURITY CHANGES OVERVIEW REPORT CHANGES DAILY SUBSEQUENT ACTION ACTIVITY REPORT (RLN10510) IPB LISTING REPORT (RMGIPC10) SUBSEQUENT ACTION FEES MAINTAINING SUBSEQUENT ACTIONS ON THE GENERAL LOAN INFO SCREEN PERFORMING A SUBSEQUENT ACTION REPORTS COMPLETE ERROR CORRECTION TRANSACTION FOR A SUBSEQUENT ACTION WITH A FEE COMPLETE THE ERROR CORRECTION TRANSACTION FOR A SUBSEQUENT ACTION WITH A FEE PAYMENT FREQUENCY FIELD ON THE SUBSEQUENT ACTION SCREENS Perform Subsequent Action screen Subsequent Action History Details screen: GENERAL LOAN INFO SCREEN GENERAL LOAN INFO SCREEN SUBSEQUENT ACTION REPORT RLN CAPTURE THE CURRENT LOAN BALANCE Subsequent Action Report RLN PRINT CAPABILITIES FOR SUBSEQUENT ACTION FORMS SUBSEQUENT ACTION FORM PREREQUISITES I-POWER SET UP & OPTIONS MAPPING THE SUBSEQUENT ACTION FORM USING THE SUBSEQUENT ACTION FORM MANAGE ACCT PDF FORMS MENU OPTION CUSTOM ACCT PDF FIELDS MENU OPTION

5 SUBSEQUENT ACTION WORKFLOW TO INCLUDE THE PRODUCE DOCUMENTS SCREEN/SUBSEQUENT ACTION FORM I-DOCS CAPTURE SIGNATURE/AUTO ARCHIVE FEATURE CODE FUNCTIONALITY FOR SUBSEQUENT ACTION ON THE PRODUCE DOCUMENTS SCREEN ACCOUNT PROFILE SUFFIX DROP-DOWN LIST HISTORY Transaction History Maintenance History OWNERS INFORMATION Home Previous Home Employment Previous Employment Temporary Mailing Identification WARNINGS AND LOCKS CONSUMER LOAN FUTURE PAYOFF Viewing and Printing Loan Payoff Information GENERAL LOAN INFORMATION Consumer Loan Maintenance Loan Information Payment Information Interest Adjustment Options Line of Credit Insurance Late Charge Delinquency Borrower FASB Tracking Expense and Income RULE OF RATE CHANGE HISTORY STUDENT LOAN DISCHARGE DEBT LOAN DRAFT INFORMATION CREDIT BUREAU ORDER LOAN COUPONS LOAN COLLATERAL Titled Collateral Adding Titled Collateral Editing Titled Collateral Deleting Titled Collateral Title Tracking Letter Frequency and Date(s) Mailed Pledged Collateral Adding Cross Pledged Collateral Editing Pledged Collateral LOAN DOCUMENTS LOAN PAYMENT HISTORY SKIPPING PAYMENTS CHARGING OFF A LOAN ACCOUNT CHARGING OFF A SHARE ACCOUNT HOW CHARGED-OFF LOANS ARE REFLECTED ON REPORTS AND STATEMENTS Summary Trial Balance (RMG50010) Daily Activity Audit (RMG11220) Charged-Off Loans Report (RLN60540)

6 Combined Statements MR2.6.0 RELEASE ENHANCEMENTS CQ# ADDRESS ENHANCEMENT CQ# CALCULATE LATE CHARGE GRACE DAYS BASED ON LOAN TYPE BY ADDING HARD CODED DAYS TO IPB LATE CHARGE DAYS Implementation Instructions IPB Fields CQ# USER INTERFACE TO ALLOW USERS TO UN-LOCK LOAN APPLICATIONS Implementation Instructions Security Information Maintaining a Role: CQ# POSTING LOAN DRAFT CHECKS CONVERTED TO AN ACH DEBIT Feature Details Report Samples ACH Debit Post Report ACH Debit Non-Post Report Notice Samples Non-Post Notice Honor Notice Stop Payment Fee Notice Combined Notice Sample (NSDCPY10) Implementation Instructions MR ENHANCEMENTS CQ# 4594 CONSUMER LOAN LATE CHARGE PLANS Maintaining a Role: MR ENHANCEMENTS CQ# AUTOMATIC TRACKING OF LOAN EXTENSIONS FOR CONSUMER LOANS SUBSEQUENT ACTION Manage Subsequent Action Types Adding/Modifying a Subsequent Action Type Performing Subsequent Action Maintenance at the Account Level Warning Messages Security Changes Overview Report Changes Subsequent Action Activity Report (RLN10510) IPB Listing Report (RMGIPC10) Implementation Instructions: Operational Changes: MR ENHANCEMENTS CQ# SUBSEQUENT ACTION FEES Maintaining Subsequent Actions on the General Loan Info screen Performing a Subsequent Action Reports DATA BASE FIELD DESCRIPTIONS REPORTS/NOTICES

7 Overview of Consumer Loan Classes Setting up the loan class is the first vital step in processing consumer loans on the i-power system. The purpose of a loan class is to establish categories of loans with common parameters such as interest rate, margin, payment frequency, collateral code, type code, payment percentages, and line-of-credit limits and charges. Once you establish a loan class, you can assign any subsequent new consumer loan with the same characteristics to that loan class; all the parameters you entered for the loan class will default into the application record upon selection of the class product. In other words, you need to type the specific loan parameters just once, not every time you open a loan application. Later, when you need to filemaintain interest rates or payment amounts, you do it once at the class level instead of once for each individual loan. A loan class code must be set up for the following types of consumer loans: Variable-rate loans ( ) Consumer loandrafts, also called draft line-of-credit loans ( ) Home-equity loandrafts ( ) Special Notes on Variable-Rate Loan Classes Pre-Adjustment Feature All variable-rate loan classes should be set up with pre-adjustment days greater than zero. This feature enables the system to commit a payment amount and an interest amount prior to the actual payment adjustment. On the date the variable-rate loan is to commit (or pre-adjust), the system performs the following actions: (1) Calculates a new payment amount using the new interest rate from the class record. (2) Enters this amount in the commit payment field on the Consumer Loan Maintenance screen located in the consumer loan suffix-drop-down list by selecting the General Loan Info menu option. (3) Moves the interest rate from the class record to the commit rate field on the Consumer Loan Maintenance screen. The Account Profile screen then reflects the new committed payment amount if the next payment due date is greater than the next adjustment date. Pre-adjustment Notices are produced at this point for you to mail to your members. Actual Adjustment Activity The actual adjustment activity depends on the due date of the variable-rate loan: If the payment due date is less than the next adjustment date: The system calculates the payment amount due using the old payment amount and old interest rate as well as the new payment amount and new interest rate. The interest is applied to the loan first, and then the remainder is applied to principal. If the payment due date is equal to or greater than the next adjustment date: The new payment amount and new interest rate appear on the Account Profile screen and on the Receive Consumer Loan Payment screen. Page 7 of 424

8 When the last payment at the old amount is applied to the loan, the system moves: The actual payment to the previous payment field The commit payment to the actual payment field The value 0 (zero) to the commit payment field The actual rate to the previous rate field The commit rate to the actual rate field The value 0 (zero) to the commit rate field The Notice of Impending Rate and Payment Adjustment are also produced. The actual adjustments are not made until the last payment is made for the old payment amount. This enables the system to calculate the amount due for a payment due prior to the next adjustment date at the old payment amount and old interest rate. When a new rate is committed, the interest from the original rate period is calculated and put in the unpaid interest field. Interest from the new rate period goes to a calculated, but not stored accrued interest field. Both interest amounts are collected at the next payment. Regulation Z compliance Member statements carry the statement PERIODIC RATE (S) MAY VARY for variable-rate loan classes. This statement, which is a result of Regulation Z, identifies all open-end and closed-end consumer (and mortgage) loans as having a variable rate, thus eliminating the need to mark the loans as such. Page 8 of 424

9 Product Classes Setting Up a New Consumer Loan Product Class Variable and Fixed Rate Loan Class This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To set up a new loan class, click on Manager on the menu bar and select Institution/Consumer Loans/Product Classes from the drop-down list. The Manage Consumer Loan Classes screen displays: (2) Click on the Add Loan Class tab. Page 9 of 424

10 The Add New Consumer Loan Class screen displays: (3) Completed all applicable fields in the Add New Consumer Loan Class screen as defined by your credit union s policies and procedures. Add New Consumer Loan Class Field Description Valid Entries/Comments Loan Class #: Indicates the class number associated with a variable or fixed rate loan class. 3 digits Valid Values: Data Base Field Name: LN-ID / LN-VRL-CLASS Loan Class ID: Indicates the rate type this consumer loan class code will be used with. Valid Values: Fixed Rate Variable Rate Open-End? Indicates if this is an open-end Valid Values: consumer loan. No Yes Real Estate? Indicates if this consumer loan is secured by real estate. The default to a value will be No and the user may optionally change it to Yes. Page 10 of 424

11 Member Business Loan Loan Class Description: Allow Dealer Selection: Allow Subsequent Action? This field indicates whether the consumer loan or loan draft is a Member Business Loan (MBL). Indicates a brief description of the consumer loan class. Indicates whether this class will be associated with the dealer selection when creating a new loan. Indicates whether Subsequent Actions are allowed for this loan. Valid options: No - No, this is not a Member Business Loan (Default) Yes - Yes, this is a Member Business Loan 25 alphanumeric characters Valid Values: Yes No Valid options: No - (Default) Yes Create 1098 Form? Indicates whether a 1098 form will be required for this loan. Valid options: No - (Default) Yes Loan Parameters Field Description Valid Entries/Comments Secured: Indicates whether this is a secured loan. Valid Values: Yes No Valid for Lending System: Status: Rate Adjustment Option: Interest Rate: Index: Margin: Indicates whether the class code entered is valid for LOS or LoansPQ. Indicates whether this loan class is open or closed. Indicates the method used for calculating rate changes. Indicates the interest rate used for new loans assigned to this class. Indicates the starting reference point (such as the 26-week T-bill) to establish a rate. Indicates the additional points added to the index in the loan class to calculate the new interest rate for the loan at the time of adjustment. Valid Values: i-power/los i-power/loanspq None Valid Values: Open Closed This field is used only when the Loan Class ID field = Variable Rate Valid Values: Use Interest Rate Use Index & Margin percentage format percentage format percentage format Page 11 of 424

12 Loan Parameters Field Description Valid Entries/Comments Default Collateral Code: Default Loan Type Code: Indicates the type of collateral to be used for all loans in this class. Indicates the number identifying the type of loan for all loans in this class. 3 digits Valid Values: CU Defined Descriptions 032 No longer used 033 Share Reducing (If you use collateral code 33, the system will reduce the shares pledged by the principal amount of any loan payment (not just the loan secured by the share) Open-End Loans CU Defined Descriptions CU Defined Descriptions 042 No longer used CU Defined Descriptions 094 CU Defined Descriptions CU Defined Descriptions Open-end loans with credit limit are based on the IPB high and low Collateral Code. Other valid entries are: student loan 092, 093, 095,099 - fully secured share (00 trailer on same account as loan) For codes 092, 093, 095, and 099, the pledged share amount can be reduced automatically by the principal amount of the payment that is, the amount of share pledged would continually decrease, and the amount of share available to the member would continually increase by the amount of the principal after each payment. Other values are defined and maintained by the credit union. The system inserts the value in this field (if any) into the COLLATERAL field of any loan using this class. Please refer to the Consumer Loan System Codes section of this document for detailed information on the setup and maintenance of these codes. 3 digits Valid Values: CU Defined Descriptions Student Loans - CU Defined Descriptions Real Estate (if interest is greater than $599.99, it is reported on a 1098 form) CU Defined Descriptions Please refer to the Consumer Loan System Codes section of this document for detailed information on the setup and maintenance of these codes. Page 12 of 424

13 Loan Parameters Field Description Valid Entries/Comments NCUA Loan Category Credit Bureau Account Type: Default Term: This information is requested by CUNA for their payment protection reporting, so it will be provided in the input system extract. This field will be required upon setting up a new product class or editing an existing product class. If the value has not been set on an existing product class, the value will be sent in the extract as Other. Indicates the generic credit reporting account type for this loan class. Indicates the default number of payments for loans in this class. Valid Values (Default = Please Select): Credit Card Other Real Estate Unsecured Leases New Vehicle Other Used Vehicle Valid Values: 7B Agricultural 00 Auto 3A Auto Lease 9B Business Line Personally Guaranteed 10 Business Loan 37 Combined Credit Plan 6A Commercial Installment Loan 7A Commercial Line of Credit 6B Commercial Mortgage Loan 0F Construction Loan 26 Conventional Real Estate Mortgage 18 Credit Card 47 Credit Line Secured 43 Debit Card 91 Debt Consolidation 8B Deposit Related 12 Education Loan 2C Farmers Home Admin (FmHA) Real Estate 19 Federal Housing Admin (FHA) Real Estate 0G Flexible Spending Credit Card 6D Home Equity 89 Home Equity Line of Credit 04 Home Improvement 1C Household Goods 13 Lease 15 Line of Credit Union 17 Manufactured Housing 90 Medical Debt 20 Note Loan 3 digits Valid Values: Page 13 of 424

14 Loan Parameters Field Description Valid Entries/Comments Payment Frequency: Indicates how often payments are scheduled to be made on this loan. Valid Values: 01 Annual /One payment a year on a specified day. 02 Semi-annual/Is set according to the first payment date and then 6 months later and remains the same every year. 04 Quarterly 12 Monthly Payments 24 Semi-monthly/is every 15 days regardless of the first payment date. If the first pmt is 1/5 the next is 1/20, from that point on, the payments for the subsequent months will be 2/5 & 2/20, 3/5 & 3/20, and so on. When one of the payments are the last day of the month, it will always be the last day of the month, regardless if it is the 30th, 31st or 28th, it will always be the last day of the month. 25 Bi-weekly/Works like the every 14 days, except that the 3rd payday of any month is always skipped when resetting the next payment date. There are 2 months of the year that will have 3 pay days when using the every 14 day frequency and some companies do not take any distribution on that 3rd check. These paychecks are referred to a "free check". 26 Every 14 days/is just that, based on the first payment date, is due every 14 days, which is on the same day of every week 52 Weekly 99 Single Payment NOTE: For a monthly frequency loan, if the payment date is changed after the initial set up, the First Payment Date must also be changed. Our system uses the DAY of the first payment date to set the Next Payment Date. This is also true for the Annual frequency. For example: if a member decides they want their payments due on the 15th rather than the 10th of the month, when the Next Payment Date is file maintained to the 15th of the month, they must also set the First Payment Day if not, after that payment is made, the system will look at the First Payment date to set the next, if it is not changed at the same time, it will revert back to the 10th of the month. Data Base Field Name: LN-PAY-FREQ Page 14 of 424

15 Loan Parameters Field Description Valid Entries/Comments Payment Calculation Method: Late Charge Code: Indicates the payment calculation method used for loans in this class. Indicates if and how late charges are calculated. Variable Rate Loan Parameters Ceiling: Indicates the maximum interest rate that can be charged for the life of the loan. Floor: Indicates the minimum interest rate that can be charged for the life of the loan. CAP Option: Indicates if and how caps are used. CAP Sign: Life CAP: Term CAP: Interest Adjustment Term: Indicates the function of the term cap. Indicates the maximum interest rate that a variable-rate loan can adjust from the original rate over the life of the loan. Indicates the maximum amount the interest rate can change per term. Indicates the number of months between rate adjustments. 0 Amortized 1 User Payment Table Collateral code for individual loans in this class must fall between the high /low limits set in the IPB If 1 is selected, the payment is adjusted automatically when an add-on occurs. If the new balance requires a larger payment, the system automatically increases the payment amount due. If the current payment amount is larger than the balance requires, entering true in the Lower Payment field of the Perform Loan Advance screen causes the system to refer to the Loan Payment Table for a new payment amount. Valid Values: 0 No Late Charge 1 Computed on Interest Due 2 Percentage of Unpaid Payment (All Loans) 3 Fixed Amount per Payment (will only display for mortgage loans) 4 Scheduled Payment less Partial Payment 5 Percentage of Unpaid Payment (This Loan) 7 Scheduled Payment Diff Min/Max Percentage format FOR VARIABLE-RATE CONSUMER LOANS ONLY Percentage format FOR VARIABLE-RATE CONSUMER LOANS ONLY Valid Values: Not Using Caps Life Cap Only Term Cap Only Life & Term Cap FOR VARIABLE-RATE CONSUMER LOANS ONLY Valid Values: Up/Down Term Cap Up by Term Cap FOR VARIABLE-RATE CONSUMER LOANS ONLY Percentage format FOR VARIABLE-RATE CONSUMER LOANS ONLY Percentage format FOR VARIABLE-RATE CONSUMER LOANS ONLY Valid Values: For example, for quarterly rate changes, type 003. FOR VARIABLE-RATE CONSUMER LOANS ONLY Page 15 of 424

16 Variable Rate Loan Parameters Field Description Valid Entries/Comments Interest Adjustment Date: Pre-Adjustment Days: Payment Adjustment Option: Payment Adjustment Term: Payment Adjustment Date: Indicates the date of the next variable rate loan interest adjustment. Indicates the number of days before a rate and/or payment adjustment is to go into effect that a notice is sent to the member. Indicates the method used to adjust payments. Indicates the number of months between payment adjustments. Indicates the date of the next variable rate loan payment adjustment. Mmddccyy format FOR VARIABLE-RATE CONSUMER LOANS ONLY Data Base Field Name: LN-VRL-NX-INT-ADJ Valid Values: 00 Non Participating CU Defined Descriptions 99 Commit 1 Month Prior to Adjustment FOR VARIABLE-RATE CONSUMER LOANS ONLY Please refer to the Consumer Loan System Codes section of this document for detailed information on the setup and maintenance of these codes. Valid Values: Adjust Rate Only Extend maturity date, Don t adj. pymt. Adj. Pymnt, Don t extend maturity date FOR VARIABLE-RATE CONSUMER LOANS ONLY FOR VARIABLE-RATE CONSUMER LOANS ONLY Mmddccyy format Type an entry in this field only if you want the payment to be adjusted on a specific date. FOR VARIABLE-RATE CONSUMER LOANS ONLY Data Base Field Name: LN-VRL-NX-PMT-ADJ The Add New Consumer Loan Class screen displays: (4) Click on the Save button to update the class setup and return to the Manage Consumer Loan Classes screen. Page 16 of 424

17 The Manage Consumer Loan Classes screen displays: (5) Click on the Done button to return to the Main Navigation screen. ~end~ Page 17 of 424

18 Loandraft Loan Class This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To set up a new loan draft class, click on Manager on the menu bar and select Institution/Loan Drafts/Product Classes from the drop-down list. The Manage Loan Draft Classes screen displays: (2) Click on the Add Loan Draft Class tab. Page 18 of 424

19 The Add New Loan Draft Class screen displays: (3) Complete all applicable fields in the Add New Loan Draft Class screen as defined by your credit union s policies and procedures. Add New Loan Draft Class Field Description Valid Entries/Comments Loan Draft Type: Indicates the type of loan draft associated with this class. Valid Values: Home Equity Signature Class #: Indicates the class number associated with a HELOC or unsecured loan draft class. 3 digits Valid Values: If Home Equity, then class must be If Signature, then class must be No duplicates allowed. Class ID: Indicates the rate type this loan draft class code will use. Valid Values: Fixed Rate Variable Rate Class Description: Indicates a brief description of the loan draft class. 25 alphanumeric characters Loan Draft Parameters Field Description Valid Entries/Comments Secured: Indicates whether this is a secured loan draft. Valid Values: Yes No Valid for Lending System: Determines whether the loan draft class code entered is valid for LOS. Valid Values: Yes No Page 19 of 424

20 Add New Loan Draft Class Loan Draft Parameters Field Description Valid Entries/Comments Status: Indicates whether this loan draft Valid Values: class is open or closed. Open Closed Rate Adjustment Option: Interest Rate: Index: Margin: Scheduled Payment Option: Minimum Payment: Payment Percent Option: Collateral Code: Indicates the method used for calculating rate changes. Indicates the interest rate used for new loan drafts assigned to this class. Indicates the starting reference point (such as the 26-week T- bill) to establish a rate. Indicates the additional points added to the index in the loan class to calculate the new interest rate for the loan draft at the time of adjustment. How payments are recalculated if an add-on has been made since the last statement. Indicates the minimum amount this payment can be. Indicates the method used in recalculating payment amounts. Indicates the type of collateral to be used for all loans drafts in this class. This field is used only when the Loan Class ID field = Variable Rate Valid Values: Use Interest Rate Use Index & Margin Percentage format Percentage format Percentage format Valid Values: 0 Don t recalculate pymnt. Amt. 1 greatest of % of Bal/Min. pymt./amort. Pymt. Amt. 2 greatest of % of Bal/Min. pymt./amort. Pymt. Amt/Prev. pymt. Amt. 3 Interest only 4 Interest Only/Excess to Principal NOTE: If Scheduled Payment Option = 1, 2 or 3, then the Payment Calculation Method is automatically set to 0 and made a read only field. Monetary format Valid Values: % from class % from individual loan draft NOTE: This field is valid when the Scheduled Payment Option = greatest of % of Bal/Min. pymt./amort. pymt. Amt. Or greatest of % of Bal/Min. pymt./amort. pymt. Amt/Prev. pymt.amt. 3 digits Valid Values: Codes and descriptions come from the System Codes Consumer Loan Collateral Codes are reserved for Student Loans. 092, 093, 095, 099 are reserved for Share Secured loans. Please refer to the Consumer Loan System Codes section of this document for detailed information on the setup and maintenance of these codes. Page 20 of 424

21 Add New Loan Draft Class Loan Parameters Field Description Valid Entries/Comments Type Code: Indicates the number identifying the type of loan for all loans in this class. 3 digits Valid Values: CU Defined Descriptions Student Loans CU Defined Descriptions Real Estate (if interest is greater than $599.99, it is reported on a 1098 form) CU Defined Descriptions Please refer to the Consumer Loan System Codes section of this document for detailed information on the setup and maintenance of these codes. Credit Bureau Account Type: Indicates the generic credit reporting account type for this loan class. Valid Values: 7B Agricultural 00 Auto 3A Auto Lease 9B Business Line Personally Guaranteed 10 Business Loan 37 Combined Credit Plan 6A Commercial Installment Loan 7A Commercial Line of Credit 6B Commercial Mortgage Loan 0F Construction Loan 26 Conventional Real Estate Mortgage 18 Credit Card 47 Credit Line Secured 43 Debit Card 91 Debt Consolidation 8B Deposit Related 12 Education Loan 2C Farmers Home Admin (FmHA) Real Estate 19 Federal Housing Admin (FHA) Real Estate 0G Flexible Spending Credit Card 6D Home Equity 89 Home Equity Line of Credit 04 Home Improvement 1C Household Goods 13 Lease 15 Line of Credit Union 17 Manufactured Housing 90 Medical Debt 20 Note Loan Page 21 of 424

22 New Loan Draft Class Loan Parameters Field Description Valid Entries/Comments Term: Payment Frequency: Payment Calculation Method: Indicates the default number of payments for loans in this class. Indicates how often payments are scheduled to be made on this loan. Indicates the payment calculation method used for loan drafts in this class. Valid Values: 5 = 60 months 10 = 120 months 15 = 180 months 20 = 240 months Valid Values: 12 Monthly Payments This is the only valid entry for loan draft classes. 0 = Do not use payment table 1 = Use payment table If you type 1, the payment is adjusted automatically when an addon occurs. If the new balance requires a larger payment, the system automatically increases the payment amount due. If the current payment amount is larger than the balance requires, the Lower Payment field of the Advance screen will display true and causes the system to refer to the Loan Payment Table for a new payment amount. Refer to the setup and maintenance of the LOC Payment Table section of this document. Late Charge Code: Percent of Balance: Draft Cycle: Max. Loan Amount: Indicates if and how late charges are calculated. Indicates the percentage of the outstanding balance to be used for calculating the scheduled payment amount. This 2-digit credit union defined number controls the loandraft statement cycle for loans with this class number. Indicates the maximum line of credit (and maximum loan draft balance) for a loan using this loan draft class. Valid Values: 0 No Late Charge 1 Computed on Interest Due 2 Percentage of Unpaid Payment (All Loans) 3 Fixed Amount per Payment (will only display for mortgage loans) 4 Scheduled Payment less Partial Payment 5 Percentage of Unpaid Payment (This Loan) 7 Scheduled Payment Diff Min/Max Percentage format If you typed 1 or 2 in the Scheduled Payment Option field, you must enter a value in this field. It defaults to the member s loandraft statement cycle code. This links with the Share Draft Cycle file that contains a list of every statement cycle code established for this credit union and the dates that each cycle will produce a statement. Monetary format Entry is required. If you try to establish a line of credit for higher than this amount for loandrafts with this class code, an error message will result. Either change to another loan class or lower the line-of-credit limit. Page 22 of 424

23 New Loan Draft Class Variable Rate Loan Parameters Field Description Valid Entries/Comments Ceiling: Floor: CAP Option: Life CAP: Term CAP: CAP Sign: Interest Adjustment Term: Interest Adjustment Date: Indicates the maximum interest rate that can be charged for the life of the loan draft. Indicates the minimum interest rate that can be charged for the life of the loan. Indicates if and how caps are used. Indicates the maximum interest rate that a variable-rate loan can adjust from the original rate over the life of the loan. Indicates the maximum amount the interest rate can change per term. Indicates the function of the term cap. Indicates the number of months between rate adjustments. Indicates the specific date the rate will next change. Percentage format FOR VARIABLE-RATE LOANDRAFTS ONLY Percentage format FOR VARIABLE-RATE LOANDRAFTS ONLY Valid Values: Not Using Caps Life Cap Only Term Cap Only Life & Term Cap FOR VARIABLE-RATE LOANDRAFTS ONLY Percentage format FOR VARIABLE-RATE LOANDRAFTS ONLY Percentage format The new rate must be within the floor and ceiling rate restrictions FOR VARIABLE-RATE LOANDRAFTS ONLY Valid Values: Up/Down Term Cap Up by Term Cap FOR VARIABLE-RATE LOANDRAFTS ONLY Valid Values: For example, for quarterly rate changes, type 003. FOR VARIABLE-RATE LOANDRAFTS ONLY Mmddccyy format Type an entry in this field only if you change rates on a specific date or dates (such as if you change rates on October 1 each year). FOR VARIABLE-RATE LOANDRAFTS ONLY Page 23 of 424

24 New Loan Draft Class Variable Rate Loan Parameters Field Description Valid Entries/Comments Pre-Adjustment Days: Indicates the number of days before a rate and/or payment adjustment is to go into effect that a notice is sent to the member. Valid Values: 00 Non Participating CU Defined Descriptions 99 Commit 1 Month Prior to Adjustment You must type an entry in this field for variable-rate loan classes. The number is subtracted from the date in the INTEREST ADJUSTMENT DATE field (and/or the PAYMENT ADJUSTMENT DATE field) to determine the date on which the notices are sent. If your credit union is using the ability to commit to a new rate and/or payment before the actual adjustment takes place, this entry not only defines when the notice is sent to the member, but also freezes the rate to the new committed rate once this notice date has been reached. FOR VARIABLE-RATE LOANDRAFTS ONLY Please refer to the Consumer Loan System Codes section of this document for detailed information on the setup and maintenance of these codes. The Add New Loan Draft Class screen displays: (4) Once all applicable fields on the Add New Loan Draft Class screen have been completed, click on the Optional Fields tab. Page 24 of 424

25 The Loan Draft Class: Optional Fields screen displays: (5) Click on the Modify button and complete all applicable fields as defined by your credit union s policies and procedures. Loan Draft Class: Optional Fields Field Description Valid Entries/Comments Min. Charge Amount: Max. Number Drafts: Max. Number Option: (exceeds max. no. of drafts/cycle) Min. Draft Amount: Min. Draft Option: (amt. < Min. draft amt.) Max Number Charge Amount: Overdraft Limit %: Amount of the fee assessed if the member writes loandrafts for less than the minimum limit. Maximum number of loandrafts the system is allowed to post per statement cycle. Indicates what the system is to do if more loandrafts are written during a statement cycle than allowed. Minimum draft amount the member can write. Indicates what the system is to do if it receives a loandraft that is below the minimum limit. Amount of the fee assessed if the member has written too many loandrafts for the designated period. Percentage by which a member is allowed to exceed the line-ofcredit limit. 3 digits (whole dollars only) To allow unlimited loandrafts, type 999 in this field. 0 = Process the loandraft even if it exceeds the maximum allowed 1 = Do not process the loandraft 5 digits (whole dollars only) 0 = process the loandraft, regardless of amount 1 = do not process loandraft if less than the minimum Option 1 enables you to choose whether to send a notice to the member if a loandraft has been rejected. You prepare these notices in the same way as for non-sufficient funds notices. 3 digits (whole dollars only) 2 digits (whole numbers only) Page 25 of 424

26 Loan Draft Class: Optional Fields Field Description Valid Entries/Comments Overdraft Limit Amount: Overdraft Charge Amount: Annual Fee: Amount over the line-of-credit limit the system will allow. Charge to be assessed if the member exceeds the line of credit, but is within the acceptable tolerance range. Annual fee charged for the loandraft. 5 digits (whole dollars only) If you did not type an entry in the OVERDRAFT LIMIT % field, the system will use the amount in this field. If you did type a value in the OVERDRAFT LIMIT % field, the system will use the lesser of these two fields. 4 digits (dollars and cents; no decimal point) To specify that no special charge is to be assessed, type 0 in this field. If this field is zero and a loandraft is not honored because it exceeds the line of credit, the NSF charge defined in your credit union s IPB file will be assessed. Unless the value in this field is 0, the amount in this field is also used if a loandraft exceeds the line of credit and will not be honored. This field works in conjunction with the OVERDRAFT LIMIT AMOUNT field and the OVERDRAFT LIMIT % field. 5 digits (dollars and cents; no decimal point) Any loan opened within the month and year that the annual fee is assessed will be bypassed until the following year s processing. For example, if a loan was opened on 12/10/96 and the annual fee is assessed on 12/31/96, no fee will be assessed on this loan until 12/31/97. (6) Click on the Save button to update the class setup and return to the Manage Consumer Loan Classes screen. Page 26 of 424

27 The Manage Consumer Loan Classes screen displays: (7) Click on the Done button to return to the Main Navigation screen. ~end~ Page 27 of 424

28 Maintaining a Consumer Loan Product Class Variable and Fixed Rate Loan Class This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To file maintain a consumer loan class, click on Manager on the menu bar and select Institution/Consumer Loans/Product Classes from the drop-down list. The Manage Consumer Loan Classes screen displays: (2) Click on the Edit icon of the consumer loan class to be file maintained. Page 28 of 424

29 The Edit Consumer Loan Class screen displays: (3) Click on the Modify button to file maintain the consumer loan class. The Edit Consumer Loan Class screen contains the same fields included in the Opening a New Consumer Loan Class procedure; refer to this section for detailed field descriptions. Page 29 of 424

30 The Edit Consumer Loan Class screen displays: (4) Once all changes have been made, click on the Loan Forms tab. Page 30 of 424

31 The Loan Form Package screen displays: (5) Click on the Modify button and modify all applicable fields as defined by your credit union s policies and procedures. You may have to scroll to the bottom of the screen to click on the modify button. (6) Click in the check box in the Select column of the loan form you wish to be associated with this loan draft class. (7) Once all respective forms are selected, click on the Save button to return to the Edit Consumer Loan Class screen. Page 31 of 424

32 The Edit Consumer Loan Class screen displays: (8) Click on the Cancel button to return to the Manage Consumer Loan Classes screen. Page 32 of 424

33 The Manage Consumer Loan Classes screen displays: NOTE: The Consumer Loan class successfully updated!. Page 33 of 424

34 (9) Click on the Done button to return to the Main Navigation screen. ~end~ Page 34 of 424

35 Loandraft Loan Class This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To file maintain a loan draft class, click on Manager on the menu bar and select Institution/Loan Drafts/Product Classes from the drop-down list. The Manage Loan Draft Classes screen displays: (2) Click on the Edit icon of the loan draft class to be file maintained. Page 35 of 424

36 The Edit Loan Draft Class screen displays: (3) Click on the Modify button to file maintain the loan draft class. The Edit Loan Draft Class screen contains the same fields included in the Opening a New Loan Draft Class procedure; refer to this section for detailed field descriptions. The Edit New Loan Draft Class screen displays: (4) Once all applicable fields on the Edit New Loan Draft Class screen have been modified, click on the Optional Fields tab. Page 36 of 424

37 The Loan Draft Class: Optional Fields screen displays: (5) Click on the Modify button and modify all applicable fields as defined by your credit union s policies and procedures. (6) Once all applicable fields on the Loan Draft Class: Optional Fields screen have been modified, click on the Loan Forms tab. Page 37 of 424

38 The Loan Form Package screen displays: (7) Click on the Modify button and modify all applicable fields as defined by your credit union s policies and procedures. You may have to scroll to the bottom of the screen to click on the modify button. (8) Click in the check box in the Select column of the loan form you wish to be associated with this loan draft class. (9) Once all respective forms are selected, click on the Save button to return to the Loan Draft Class: Optional Fields screen. Page 38 of 424

39 The Loan Draft Class: Optional Fields screen displays: (10) Click on the Cancel button to return to the Manage Loan Draft Classes screen. The Manage Loan Draft Classes screen displays: (11) Click on the Done button to return to the Main Navigation screen. ~end~ Page 39 of 424

40 Rates Maintaining Variable and Fixed Rate Loan Class Rates This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To file maintain a consumer loan rate, click on Manager on the menu bar and select Institution/Consumer Loans/Product Classes from the drop-down list. The Manage Consumer Loan Classes screen displays: (2) Click on the Change Rates tab Page 40 of 424

41 The Manage Consumer Loan Class Rates screen displays: (3) If applicable, scroll to the bottom of the screen and click on the Modify button to file maintain the consumer loan class interest rate and/or index. (4) Once all changes have been made, click on the Save button. Page 41 of 424

42 The Manage Consumer Loan Class Rates screen displays: (5) Click on the Cancel button to return to the Manage Consumer Loan Classes screen. Page 42 of 424

43 The Manage Consumer Loan Classes screen displays: (6) Click on the Cancel button to return to the Main Navigation screen. ~end~ Page 43 of 424

44 Maintaining Loan Draft Class Rates This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To file maintain a loan draft rate, click on Manager on the menu bar and select Institution/Loan Drafts/Product Classes from the drop-down list. The Manage Loan Draft Classes screen displays: (2) Click on the Change Rates tab Page 44 of 424

45 The Manage Loan Draft Class Rates screen displays: (3) If applicable, scroll to the bottom of the screen and click on the Modify button to file maintain the consumer loan class interest rate and/or index. (4) Once all changes have been made, click on the Save button. Page 45 of 424

46 The Manage Loan Draft Class Rates screen displays: (5) Click on the Cancel button to return to the Manage Loan Draft Classes screen. The Manage Loan Draft Classes screen displays: (6) Click on the Cancel button to return to the Main Navigation screen. ~end~ Page 46 of 424

47 Manage Dealers Setting Up a Consumer Loan Third Party Dealer This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To set up a third party dealer, click on Manager on the menu bar and select Institution/Consumer Loans/Manage Dealers from the drop-down list. The Third Party Dealers screen displays: (2) Click on the Add Dealer tab. Page 47 of 424

48 The Third Party Dealer Information screen displays: (3) Complete all applicable fields in the Add New Consumer Loan Class screen as defined by your credit union s policies and procedures. Third Party Dealer Information Field Description Valid Entries/Comments Dealer Code: Indicates the code assigned to the third party dealer. 5 digits Data Base Field Name: LNDL-DEALER-NUM Name: Indicates the name of third party dealer. 25 alphanumeric characters Data Base Field Name: LNDL-DEALER-NAME Address 1: Indicates the address of the third party dealer. 25 alphanumeric characters Data Base Field Name: LNDL-ADDR1 Address 2: Continuation of Address alphanumeric characters Data Base Field Name: LNDL-ADDR2 City: Indicates the city of the third party dealer. 15 alphanumeric characters Data Base Field Name: LNDL-CITY State: Indicates the state of the third party dealer. 2 alpha characters Data Base Field Name: LNDL-STATE Zip Code: Indicates the zip code and extension of the third party dealer. 5 digit postal zip code and 4 digit extension If you do not know the four-digit extension for the Zip Code, type four zeros or leave blank. Data Base Field Name: LNDL-ZIP Phone: Indicates the telephone number of the third party dealer. 10 digits It is not necessary to enter any hyphens - or parentheses ( ) between the numbers. The system will automatically place parentheses around the area code and a hyphen between the prefix and suffix, i.e., (555) Data Base Field Name: LNDL-PHONE Page 48 of 424

49 Third Party Dealer Information Field Description Valid Entries/Comments Indicates the address of the third party dealer. 129 alphanumeric characters Data Base Field Name: LNDL- Active: Indicates whether this is an active or inactive dealer. Valid Values: Yes No Data Base Field Name: LNDL-ACTIVE-IND The Third Party Dealer Information screen displays: (4) Click on the Save button to update the third party dealer information. Page 49 of 424

50 (5) Click on the Done button to return to the Main Navigation screen. ~end~ Page 50 of 424

51 Maintaining a Consumer Loan Third Party Dealer This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To file maintain a third party dealer, click on Manager on the menu bar and select Institution/Consumer Loans/Manage Dealers from the drop-down list. The Third Party Dealers screen displays: (2) Click on the Edit icon of the third party dealer to be file maintained. Page 51 of 424

52 The Third Party Dealer Information screen displays: (3) Click on the Modify button to file maintain the third party dealer. The Third Party Dealer Information screen displays: (4) Click on the Save button to update the third party dealer information. Page 52 of 424

53 (5) Click on the Done button to return to the Main Navigation screen. ~end~ Page 53 of 424

54 Deleting a Consumer Loan Third Party Dealer This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To delete a third party dealer, click on Manager on the menu bar and select Institution/Consumer Loans/Manage Dealers from the drop-down list. The Third Party Dealers screen displays: (2) Click on the Delete icon of the third party dealer to be removed. Page 54 of 424

55 The Delete Dealer Confirmation screen displays: (3) Click on the OK button to delete the dealer. The Third Party Dealers screen displays: (4) Click on the Done button to return to the Main Navigation screen. ~end~ Page 55 of 424

56 Maintenance History of a Consumer Loan Third Party Dealer Viewing the Maintenance History This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To view third party dealer maintenance history, click on Manager on the menu bar and select Institution/Consumer Loans/Manage Dealers from the drop-down list. The Third Party Dealers screen displays: (2) Click on the History icon of the third party dealer you wish to view. Page 56 of 424

57 The Maintenance History screen displays: (3) Click on the Done button to return to the Third Party Dealers screen. ~end~ Page 57 of 424

58 Printing the File Maintenance History Report This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To view third party dealer maintenance history, click on Manager on the menu bar and select Institution/Consumer Loans/Manage Dealers from the drop-down list. The Third Party Dealers screen displays: (2) Click on the History icon of the third party dealer you wish to view. Page 58 of 424

59 The Adobe Reader window displays: (3) Click on the Print icon to advance to the Print dialog box. The Print dialog box displays: (4) Click on the OK button to send the document to the laser printer. Page 59 of 424

60 The Adobe Reader window displays: (5) To close the window and return to the Maintenance History screen, click on the button located in the upper right corner of the window. ~end~ Page 60 of 424

61 System Codes The consumer loan system codes menu contains the following options: Delinquency Status Codes Tape Insurance Code Insurance Codes School Type Student Loan Status Loan Status Loan Type Collateral Code Pre Adjustment Days Loan Officer The Main Navigation screen displays: To access the Consumer Loan System Codes menu, click on Manager on the menu bar and select Institution/Consumer Loans/System Codes from the drop-down list. Page 61 of 424

62 Delinquency Status Codes Setting Up a Delinquency Status Code This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To set up a delinquency status code, click on Manager on the menu bar and select Institution/Consumer Loans/System Codes/Delinquency Status Codes from the drop-down list. The Manage Delinquency Status Codes screen displays: (2) Click on the Add Delinquency Status Codes tab. Page 62 of 424

63 The Add Delinquency Status Codes screen displays: (3) Click in the Code field drop-down list and select the number to be associated with this delinquency status code. Tab to the Description field. Delinquency Status Codes Field Description Valid Entries/Comments Code Indicates the delinquent status of the loan. Valid Values: 0 99 Description Indicates the name of the delinquency status code. 30 alphanumeric characters CU Defined Descriptions Page 63 of 424

64 The Add Delinquency Status Codes screen displays: (4) In the Description field, enter the name of the delinquency status code and click on the Save button. The Manage Delinquency Status Codes screen displays: (5) Repeat steps 2-4 to add additional delinquency status codes. (6) Once all delinquency status codes are added, click on the Cancel button to return to the Main Navigation screen. ~end~ Page 64 of 424

65 Maintaining a Delinquency Status Code This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To file maintain a delinquency status code, click on Manager on the menu bar and select Institution/Consumer Loans/System Codes/Delinquency Status Codes from the drop-down list. The Manage Delinquency Status Codes screen displays: (2) Click on the Edit icon of the delinquency status code you wish to modify. Page 65 of 424

66 The Edit Delinquency Status Codes screen displays: (3) Modify the delinquency status code description and click on the Save button. The Manage Delinquency Status Codes screen displays: (4) Repeat steps 2 and 3 to edit other delinquency status code descriptions. (5) Once all delinquency status codes are modified, click on the Cancel button to return to the Main Navigation screen. ~end~ Page 66 of 424

67 Deleting a Delinquency Status Code This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To delete a delinquency status code, click on Manager on the menu bar and select Institution/Consumer Loans/System Codes/Delinquency Status Codes from the drop-down list. The Manage Delinquency Status Codes screen displays: (2) Click on the Delete icon of the delinquency status code you wish to remove. Page 67 of 424

68 The Delete Delinquency Status Codes screen displays: (3) Click on the OK button to delete the delinquency status code and description. The Manage Delinquency Status Codes screen displays: (4) Repeat steps 2 and 3 to delete other delinquency status code descriptions. (5) Once all delinquency status codes are deleted, click on the Cancel button to return to the Main Navigation screen. ~end~ Page 68 of 424

69 Tape Insurance Codes Setting Up a Tape Insurance Code This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To set up a tape insurance code, click on Manager on the menu bar and select Institution/Consumer Loans/System Codes/Tape Insurance Code from the drop-down list. The Manage Tape Insurance Codes screen displays: (2) Click on the Add Tape Insurance Codes tab. Page 69 of 424

70 The Add Tape Insurance Codes screen displays: (3) Click in the Code field drop-down list and select the number to be associated with this tape insurance code. Tab to the Description field. Tape Insurance Codes Field Description Valid Entries/Comments Code Indicates the insurance code. This field is also used to identify those members participating in a user Valid Values specified insurance program. There is an i-power program available which produces a tape of all loans when this field is > 0. Description Indicates the insurance name. This field is also used to identify those members participating in a user specified insurance program. There is an i-power program available which produces a tape of all loans when the code field is > alphanumeric characters CU Defined Descriptions Page 70 of 424

71 The Add Tape Insurance Codes screen displays: (4) In the Description field, enter the name of the tape insurance code and click on the Save button. The Manage Tape Insurance Codes screen displays: (5) Repeat steps 2-4 to add additional tape insurance codes. (6) Once all tape insurance codes are added, click on the Cancel button to return to the Main Navigation screen. ~end~ Page 71 of 424

72 Maintaining a Tape Insurance Code This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To file maintain a tape insurance code, click on Manager on the menu bar and select Institution/Consumer Loans/System Codes/Tape Insurance Codes from the drop-down list. The Manage Tape Insurance Codes screen displays: (2) Click on the Edit icon of the tape insurance code you wish to modify. Page 72 of 424

73 The Edit Tape Insurance Codes screen displays: (3) Modify the tape insurance code description and click on the Save button. The Manage Tape Insurance Codes screen displays: (4) Repeat steps 2 and 3 to edit other tape insurance code descriptions. (5) Once all tape insurance codes are modified, click on the Cancel button to return to the Main Navigation screen. ~end~ Page 73 of 424

74 Deleting a Tape Insurance Code This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To delete a tape insurance code, click on Manager on the menu bar and select Institution/Consumer Loans/System Codes/Tape Insurance Codes from the drop-down list. The Manage Tape Insurance Codes screen displays: (2) Click on the Delete icon of the tape insurance code you wish to remove. Page 74 of 424

75 The Delete Tape Insurance Codes screen displays: (3) Click on the OK button to delete the tape insurance code and description. The Manage Tape Insurance Codes screen displays: (4) Repeat steps 2 and 3 to delete other tape insurance code descriptions. (5) Once all tape insurance codes are deleted, click on the Cancel button to return to the Main Navigation screen. ~end~ Page 75 of 424

76 Insurance Codes Setting Up an Insurance Code This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To set up an insurance code, click on Manager on the menu bar and select Institution/Consumer Loans/System Codes/Insurance Code from the drop-down list. The Manage Insurance Codes screen displays: (2) Click on the Add Insurance Codes tab. Page 76 of 424

77 The Add Insurance Codes screen displays: (3) Click in the Code field drop-down list and select the number to be associated with this insurance code. Tab to the Description field. Insurance Codes Field Description Valid Entries/Comments Code: Indicates the disability and credit life insurance code. Valid Values: System Defined 0 No Insurance 1 Single Credit Life 2 Disability 3 Single Credit Life and Disability 4 Joint Credit Life 5 Joint Credit Life and Disability 6 99 CU Defined Descriptions Description Indicates the disability and credit life insurance name. 30 alphanumeric characters CU Defined Descriptions Page 77 of 424

78 The Add Insurance Codes screen displays: (4) In the Description field, enter the name of insurance code and click on the Save button. The Manage Insurance Codes screen displays: (5) Repeat steps 2-4 to add additional insurance codes. (6) Once all insurance codes are added, click on the Cancel button to return to the Main Navigation screen. ~end~ Page 78 of 424

79 Maintain an Insurance Code This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To file maintain an insurance code, click on Manager on the menu bar and select Institution/Consumer Loans/System Codes/Insurance Code from the drop-down list. The Manage Insurance Codes screen displays: (2) Click on the Edit icon of the insurance code you wish to modify. Page 79 of 424

80 The Edit Insurance Codes screen displays: (3) Modify the insurance code description and click on the Save button. The Manage Insurance Codes screen displays: (4) Repeat steps 2 and 3 to edit other insurance code descriptions. (5) Once all insurance codes are modified, click on the Cancel button to return to the Main Navigation screen. ~end~ Page 80 of 424

81 Deleting an Insurance Code This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To delete an insurance code, click on Manager on the menu bar and select Institution/Consumer Loans/System Codes/Insurance Codes from the drop-down list. The Manage Insurance Codes screen displays: (2) Click on the Delete icon of the insurance code you wish to remove. Page 81 of 424

82 The Delete Insurance Codes screen displays: (3) Click on the OK button to delete the insurance code and description. The Manage Insurance Codes screen displays: (4) Repeat steps 2 and 3 to delete other insurance code descriptions. (5) Once all insurance codes are deleted, click on the Cancel button to return to the Main Navigation screen. ~end~ Page 82 of 424

83 School Type Setting Up a School Type This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To set up a school type, click on Manager on the menu bar and select Institution/Consumer Loans/System Codes/School Type from the drop-down list. The Manage School Types screen displays: (2) Click on the Add School Types tab. Page 83 of 424

84 The Add School Types screen displays: (3) Click in the Code field drop-down list and select the number to be associated with this school type. Tab to the Description field. School Type Field Description Valid Entries/Comments Code: Indicates the type of student loan. Valid Values: System Defined Codes 00 No Student Loan 99 Federal Insured Student Loan CU Defined Codes State Insured Student Loan-CU Defined Descriptions CU Defined Codes/Descriptions Description Indicates the type of student loan. 30 alphanumeric characters CU Defined Descriptions Page 84 of 424

85 Valid Codes for the School Type (state/federal indicator) State Code State Code Alabama 01 Montana 25 Alaska 50 Nebraska 26 Arizona 02 Nevada 27 Arkansas 03 New Hampshire 28 California 04 New Jersey 29 Canada 54 New Mexico 30 Colorado 05 New York 31 Connecticut 06 North Carolina 32 Delaware 07 North Dakota 33 District of Columbia 08 Ohio 34 Florida 09 Oklahoma 35 Georgia 10 Oregon 36 Hawaii 51 Pennsylvania 37 Honduras 53 Puerto Rico 52 Idaho 11 Rhode Island 38 Illinois 12 South Carolina 39 Indiana 13 South Dakota 40 Iowa 14 Tennessee 41 Kansas 15 Texas 42 Kentucky 16 Utah 43 Louisiana 17 Vermont 44 Maine 18 Virginia 45 Maryland 19 Virgin Islands 55 Massachusetts 20 Washington 46 Michigan 21 West Virginia 47 Minnesota 22 Wisconsin 48 Mississippi 23 Wyoming 49 Missouri 24 Page 85 of 424

86 The Add School Type screen displays: (4) In the Description field, enter the type of school loan and click on the Save button. The Manage School Types screen displays: (5) Repeat steps 2-4 to add additional school types. (6) Once all school types are added, click on the Cancel button to return to the Main Navigation screen. ~end~ Page 86 of 424

87 Maintain a School Type This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To file maintain a school type, click on Manager on the menu bar and select Institution/Consumer Loans/System Codes/School Type from the drop-down list. The Manage School Types screen displays: (2) Click on the Edit icon of the school type you wish to modify. Page 87 of 424

88 The Edit School Types screen displays: (3) Modify the school type description and click on the Save button. The Manage School Types screen displays: (4) Repeat steps 2 and 3 to edit other school types descriptions. (5) Once all school types are modified, click on the Cancel button to return to the Main Navigation screen. ~end~ Page 88 of 424

89 Deleting a School Type This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To delete a school type, click on Manager on the menu bar and select Institution/Consumer Loans/System Codes/School Type from the drop-down list. The Manage School Types screen displays: (2) Click on the Delete icon of the school type you wish to remove. Page 89 of 424

90 The Delete School Type screen displays: (3) Click on the OK button to delete the school type and description. The Manage School Types screen displays: (4) Repeat steps 2 and 3 to delete other school types descriptions. (5) Once all school types are deleted, click on the Cancel button to return to the Main Navigation screen. ~end~ Page 90 of 424

91 Student Loan Status Setting Up a Student Loan Status This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To set up a student loan status, click on Manager on the menu bar and select Institution/Consumer Loans/System Codes/Student Loan Status from the drop-down list. The Manage Student Loan Status screen displays: (2) Click on the Add Student Loan Status tab. Page 91 of 424

92 The Add Student Loan Status screen displays: (3) Click in the Code field drop-down list and select the number to be associated with this student loan status. Tab to the Description field. Student Loan Status Field Description Valid Entries/Comments Code: Indicates the state or federal indicator for a student loan. Value Values: System Defined Codes 00 Not a student loan 01 Deferment status 02 Payout status (out of school) CU Defined Codes Additional Deferment Status CU Defined Descriptions Description Indicates the state or federal indicator for a student loan. 30 alphanumeric characters CU Defined Descriptions Page 92 of 424

93 The Add Student Loan Status screen displays: (4) In the Description field, enter the student loan status and click on the Save button. The Manage Student Loan Status screen displays: (5) Repeat steps 2-4 to add additional student loan statuses. (6) Once all student loan statuses are added, click on the Cancel button to return to the Main Navigation screen. ~end~ Page 93 of 424

94 Maintain a Student Loan Status This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To file maintain a student loan status, click on Manager on the menu bar and select Institution/Consumer Loans/System Codes/Student Loan Status from the drop-down list. The Manage Student Loan Status screen displays: (2) Click on the Edit icon of the student loan status you wish to modify. Page 94 of 424

95 The Edit Student Loan Status screen displays: (3) Modify the student loan status description and click on the Save button. The Manage Student Loan Status screen displays: (4) Repeat steps 2 and 3 to edit other student loan status descriptions. (5) Once all student loan statuses are modified, click on the Cancel button to return to the Main Navigation screen. ~end~ Page 95 of 424

96 Deleting a Student Loan Status This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To delete a student loan status, click on Manager on the menu bar and select Institution/Consumer Loans/System Codes/Student Loan Status from the drop-down list. The Manage Student Loan Status screen displays: (2) Click on the Delete icon of the student loan status you wish to remove. Page 96 of 424

97 The Delete Student Loan Status screen displays: (3) Click on the OK button to delete the student loan status and description. The Manage Student Loan Status screen displays: (4) Repeat steps 2 and 3 to delete other student loan status descriptions. (5) Once all student loan statuses are deleted, click on the Cancel button to return to the Main Navigation screen. ~end~ Page 97 of 424

98 Loan Status Setting Up a Loan Status This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To set up a loan status code, click on Manager on the menu bar and select Institution/Consumer Loans/System Codes/Loan Status from the drop-down list. The Manage Loan Status screen displays: (2) Click on the Add Loan Status tab. Page 98 of 424

99 The Add Loan Status screen displays: (3) Click in the Code field drop-down list and select the number to be associated with this loan status. Tab to the Description field. Loan Status Field Description Valid Entries/Comments Code: Indicates the status of the loan. Value Values: CU Defined Codes Description Indicates the status of the loan. 30 alphanumeric characters CU Defined Descriptions Page 99 of 424

100 The Add Loan Status screen displays: (4) In the Description field, enter the loan status and click on the Save button. The Manage Loan Status screen displays: (5) Repeat steps 2-4 to add additional loan statuses. (6) Once all loan statuses are added, click on the Cancel button to return to the Main Navigation screen. ~end~ Page 100 of 424

101 Maintain a Loan Status This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To file maintain a loan status code, click on Manager on the menu bar and select Institution/Consumer Loans/System Codes/ Loan Status from the drop-down list. The Manage Loan Status screen displays: (2) Click on the Edit icon of the loan status you wish to modify. Page 101 of 424

102 The Edit Loan Status screen displays: (3) Modify the loan status description and click on the Save button. The Manage Loan Status screen displays: (4) Repeat steps 2 and 3 to edit other loan status descriptions. (5) Once all loan statuses are modified, click on the Cancel button to return to the Main Navigation screen. ~end~ Page 102 of 424

103 Deleting a Loan Status This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To delete a loan status code, click on Manager on the menu bar and select Institution/Consumer Loans/System Codes/Loan Status from the drop-down list. The Manage Loan Status screen displays: (2) Click on the Delete icon of the loan status you wish to remove. Page 103 of 424

104 The Delete Loan Status screen displays: (3) Click on the OK button to delete the loan status and description. The Manage Loan Status screen displays: (4) Repeat steps 2 and 3 to delete other loan status descriptions. (5) Once all loan statuses are deleted, click on the Cancel button to return to the Main Navigation screen. ~end~ Page 104 of 424

105 Loan Type Setting Up a Loan Type This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To set up a loan type, click on Manager on the menu bar and select Institution/Consumer Loans/System Codes/Loan Type from the drop-down list. The Manage Loan Type screen displays: (2) Click on the Add Loan Type tab. Page 105 of 424

106 The Add Loan Type screen displays: (3) Click in the Code field drop-down list and select the number to be associated with this loan type. Tab to the Description field. Loan Type Field Description Valid Entries/Comments Code: Indicates the type of loan. Valid Values: System Defined Codes Student Loans 075 Real Estate Loan CU Defined Codes Description Indicates the type of loan. 30 alphanumeric characters CU Defined Descriptions Page 106 of 424

107 The Add Loan Type screen displays: (4) In the Description field, enter the loan type and click on the Save button. The Manage Loan Type screen displays: (5) Repeat steps 2-4 to add additional loan Types. (6) Once all loan types are added, click on the Cancel button to return to the Main Navigation screen. ~end~ Page 107 of 424

108 Maintain a Loan Type This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To file maintain a loan type, click on Manager on the menu bar and select Institution/Consumer Loans/System Codes/Loan Type from the drop-down list. The Manage Loan Type screen displays: (2) Click on the Edit icon of the loan type you wish to modify. Page 108 of 424

109 The Edit Loan Type screen displays: (3) Modify the loan type description and click on the Save button. The Manage Loan Type screen displays: (4) Repeat steps 2 and 3 to edit other loan type descriptions. (5) Once all loan types are modified, click on the Cancel button to return to the Main Navigation screen. ~end~ Page 109 of 424

110 Deleting a Loan Type This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To delete a loan type, click on Manager on the menu bar and select Institution/Consumer Loans/System Codes/Loan Type from the drop-down list. The Manage Loan Type screen displays: (2) Click on the Delete icon of the loan type you wish to remove. Page 110 of 424

111 The Delete Loan Type screen displays: (3) Click on the OK button to delete the loan type and description. The Manage Loan Type screen displays: (4) Repeat steps 2 and 3 to delete other loan type descriptions. (5) Once all loan types are deleted, click on the Cancel button to return to the Main Navigation screen. ~end~ Page 111 of 424

112 Collateral Code Setting Up a Collateral Code This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To set up a collateral code, click on Manager on the menu bar and select Institution/Consumer Loans/System Codes/Collateral Code from the drop-down list. The Manage Collateral Codes screen displays: (2) Click on the Add Collateral Code tab. Page 112 of 424

113 The Add Collateral Code screen displays: (3) Click in the Code field drop-down list and select the number to be associated with this collateral code. Tab to the Description field. Collateral Code Field Description Valid Entries/Comments Code: Indicates the type of loan. Valid Values: System Defined Codes Student Loans 075 Real Estate Loan CU Defined Codes Description Indicates the type of loan. 30 alphanumeric characters CU Defined Descriptions Page 113 of 424

114 The Add Collateral Code screen displays: (4) In the Description field, enter the collateral code and click on the Save button. The Manage Collateral Code screen displays: (5) Repeat steps 2-4 to add additional collateral codes. (6) Once all collateral codes are added, click on the Cancel button to return to the Main Navigation screen. ~end~ Page 114 of 424

115 Maintain a Collateral Code This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To file maintain a collateral code, click on Manager on the menu bar and select Institution/Consumer Loans/System Codes/Collateral Code from the drop-down list. The Manage Collateral Code screen displays: (2) Click on the Edit icon of the collateral code you wish to modify. Page 115 of 424

116 The Edit Collateral Code screen displays: (3) Modify the collateral code description and click on the Save button. The Manage Collateral Code screen displays: (4) Repeat steps 2 and 3 to edit other collateral code descriptions. (5) Once all collateral codes are modified, click on the Cancel button to return to the Main Navigation screen. ~end~ Page 116 of 424

117 Deleting a Collateral Code This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To delete a collateral code, click on Manager on the menu bar and select Institution/Consumer Loans/System Codes/Collateral Code from the drop-down list. The Manage Collateral Code screen displays: (2) Click on the Delete icon of the collateral code you wish to remove. Page 117 of 424

118 The Delete Collateral Code screen displays: (3) Click on the OK button to delete the collateral code and description. The Manage Collateral Code screen displays: (4) Repeat steps 2 and 3 to delete other collateral code descriptions. (5) Once all collateral codes are deleted, click on the Cancel button to return to the Main Navigation screen. ~end~ Page 118 of 424

119 Pre Adjustment Days Setting Up Loan Pre Adjustment Days This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To set up a loan pre adjustment day code, click on Manager on the menu bar and select Institution/Consumer Loans/System Codes/Pre Adjustment Days from the drop-down list. The Manage Loan Pre Adjustment Days screen displays: (2) Click on the Add Loan Pre Adjustment Days tab. Page 119 of 424

120 The Add Loan Pre Adjustment Days screen displays: (3) Click in the Code field drop-down list and select the number to be associated with this loan pre adjustment days. Tab to the Description field. Loan Pre Adjustment Days Field Description Valid Entries/Comments Code: Indicates the number of days before a rate and/or payment adjustment is to go into effect that a notice is sent to the member. Valid Values System Defined Codes 00 Non Participating 99 Commit 1 Month Prior to Adjustment This value tells the system to compare all adjustment dates from the beginning of the next month to the end of the next month and to select those pre adjustments meeting this criterion; for example, on the night of May 1, the system selects all adjustment dates in June (from June 1 to June 30) to receive notices. Description Indicates the number of days before a rate and/or payment adjustment is to go into effect that a notice is sent to the member. Credit Union Defined Codes these values function as an adjustment to the date You must type an entry in this field for variable-rate loan classes. The number is subtracted from the date in the INTEREST ADJUSTMENT DATE field (and/or the PAYMENT ADJUSTMENT DATE field) to determine the date on which the notices are sent. If your credit union is using the ability to commit to a new rate and/or payment before the actual adjustment takes place, this entry not only defines when the notice is sent to the member, but also freezes the rate to the new committed rate once this notice date has been reached. 30 alphanumeric characters CU Defined Descriptions Page 120 of 424

121 The Add Loan Pre Adjustment Days screen displays: (4) In the Description field, enter the loan pre adjustment days and click on the Save button. The Manage Loan Pre Adjustment Days screen displays: (5) Repeat steps 2-4 to add additional loan pre adjustment day codes. (6) Once all loan pre adjustment days are added, click on the Cancel button to return to the Main Navigation screen. ~end~ Page 121 of 424

122 Maintain Loan Pre Adjustment Days This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To file maintain a loan pre adjustment days code, click on Manager on the menu bar and select Institution/Consumer Loans/System Codes/Pre Adjustment Days from the drop-down list. The Manage Loan Pre Adjustment Days screen displays: (2) Click on the Edit icon of the loan pre adjustment days code you wish to modify. Page 122 of 424

123 The Edit Loan Pre Adjustment Days screen displays: (3) Modify the loan pre adjustment days description and click on the Save button. The Manage Loan Pre Adjustment Days screen displays: (4) Repeat steps 2 and 3 to edit other loan pre adjustment day code descriptions. (5) Once all loan pre adjustment day codes are modified, click on the Cancel button to return to the Main Navigation screen. ~end~ Page 123 of 424

124 Deleting Loan Pre Adjustment Days This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To delete a loan pre adjustment days code, click on Manager on the menu bar and select Institution/Consumer Loans/System Codes/Pre Adjustment Days from the drop-down list. The Manage Loan Pre Adjustment Days screen displays: (2) Click on the Delete icon of the loan pre adjustment days code you wish to remove. Page 124 of 424

125 The Delete Loan Pre Adjustment Days screen displays: (3) Click on the OK button to delete the loan pre adjustment days code and description. The Manage Loan Pre Adjustment Days screen displays: (4) Repeat steps 2 and 3 to delete other loan pre adjustment day code descriptions. (5) Once all loan pre adjustment day codes are deleted, click on the Cancel button to return to the Main Navigation screen. ~end~ Page 125 of 424

126 Loan Officer Setting Up a Loan Officer This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To set up a loan pre adjustment day code, click on Manager on the menu bar and select Institution/Consumer Loans/System Codes/Loan Officer from the drop-down list. The Manage Loan Officer screen displays: (2) Click on the Add Loan Officer tab. Page 126 of 424

127 The Add Loan Officer screen displays: (3) Click in the Code field drop-down list and select the number to be associated with this loan officer. Tab to the Description field. Loan Officer Field Description Valid Entries/Comments Code: Indicates the number of the loan officer or loan clerk responsible for this loan. 3 digits Valid Values: Description Indicates the name of the loan officer or loan clerk responsible for this loan. 30 alphanumeric characters CU Defined Descriptions Page 127 of 424

128 The Add Loan Officer screen displays: (4) In the Description field, enter the loan officer and click on the Save button. The Manage Loan Officer screen displays: (5) Repeat steps 2-4 to add additional loan officer codes. (6) Once all loan officer codes are added, click on the Cancel button to return to the Main Navigation screen. ~end~ Page 128 of 424

129 Maintain a Loan Officer This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To file maintain a loan officer code, click on Manager on the menu bar and select Institution/Consumer Loans/System Codes/Loan Officer from the drop-down list. The Manage Loan Officer screen displays: (2) Click on the Edit icon of the loan officer you wish to modify. Page 129 of 424

130 The Edit Loan Officer screen displays: (3) Modify the loan officer description and click on the Save button. The Manage Loan Officer screen displays: (4) Repeat steps 2 and 3 to edit other loan officer descriptions. (5) Once all loan officers are modified, click on the Cancel button to return to the Main Navigation screen. ~end~ Page 130 of 424

131 Deleting a Loan Officer This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To delete a loan officer code, click on Manager on the menu bar and select Institution/Consumer Loans/System Codes/Loan Officer from the drop-down list. The Manage Loan Officer screen displays: (2) Click on the Delete icon of the loan officer code you wish to remove. Page 131 of 424

132 The Delete Loan Officer screen displays: (3) Click on the OK button to delete the loan officer code and description. The Manage Loan Officer screen displays: (4) Repeat steps 2 and 3 to delete other loan officer code descriptions. (5) Once all loan officer codes are deleted, click on the Cancel button to return to the Main Navigation screen. ~end~ Page 132 of 424

133 Lending Consumer Loans Institution Parameters Setting Up and Maintaining Lending Institution Parameters This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To set and maintain up the lending institution parameters, click on Manager on the menu bar and select Institution/Consumer Loans/Institution Parameters from the drop-down list. The Manage Institution Lending Parameters screen displays: (2) Click on the Modify button. Page 133 of 424

134 The Manage Institution Lending Parameters screen displays: (3) Click on the Save button to update the lending institution parameter information. Manage Institution Lending Parameters Field Description Valid Entries/Comments Gross to Net Income Adjustment: Rental Income Adjustment: Loan to Value Ratio: Use Whole Dollar Payment: Credit Score to Display in Qualifying Calculations: Use Gross Income for Calculations: Sets the default percentage that is used to adjust the income amounts. Sets the default percentage that is used in calculating rental income. Sets the default percentage used to calculate the ratio. Sets whether or not to calculate all loan payments as whole dollar amounts. Sets the score to be displayed in the qualifying calculations. Sets whether to use Gross income or net income in the qualifying calculations. Percentage format Percentage format Percentage format Check Box Format Valid Values: Unchecked = No, do not use whole dollars for the payment amount Checked = Yes, use whole dollars for the payment amount Valid Values: 1 st Equifax Score 1 st Experian Score 1 st Trans Union Score Manually enter the Score Check Box Format Valid Values: Unchecked = No, do not use the gross income for calculations Checked = Yes, use the gross income for calculations Page 134 of 424

135 Manage Institution Lending Parameters Field Description Valid Entries/Comments Include LOC in Ratio: Include LOC in Ratio: Title Tracking Letter Frequency (Days): Indicates whether the line of credit amount is included in the ratio is calculated. Sets how the rental income is calculated. Indicates the number of days between which letters are mailed until the title is received. Check Box Format Valid Values: Unchecked = No, it is not included Checked = Yes, it is included Check Box Format Valid Values: Unchecked = No, do not use the line of credit in the ratio Checked = Yes, use the line of credit in the ratio Valid Values: (4) Click on the Cancel button to return to the Main Navigation screen. ~end~ Page 135 of 424

136 Line of Credit Payment Table Setting Up Line of Credit Payment Tables Payment Tables allow the user the ability to set a desired Payment, Term, or Payment Percentage based on a Balance Range. Previously, only one Payment Table could be defined per institution, but the credit union can now have a virtually unlimited number of Payment Tables to allow different Balance Range and parameters, which can be used for different types of loan products. This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To set up a LOC payment table, click on Manager on the menu bar and select Institution/Consumer Loans/LOC Payment Table from the drop-down list. Page 136 of 424

137 The Manage Payment Tables screen displays: (2) Click on the Add Payment Table tab. The Add New Payment Calculation Table screen displays: The user can define a unique Description for each table. Upon setting up a new table, the Payment Calculation Formula will be set to determine whether the table is based on a Fixed Payment Amount, Term, or a Percentage of the Balance. (3) Enter the name of the payment in the description field and tab to the Payment Calculation Formula drop down list. Page 137 of 424

138 Delinquency Status Codes Field Description Valid Entries/Comments Payment Calculation Table: Description: Payment Calculation Formula: Status: Indicates the number associated with this payment calculation table. Indicates the name or description of the payment table. Indicates the formula used to calculate the payment. Indicates whether the payment is active or inactive for use. Non-maintainable 25 alphanumeric characters Valid Values: 1 Fixed Payment 2 Percentage of Balance 3 Number of Payments Valid Values: Active Inactive The Add New Payment Calculation Table screen displays: (4) Click on the Code field drop-down list and select the formula to be used with this payment table. Tab to the Status field. Page 138 of 424

139 (5) Click on the Status field drop-down list to select the appropriate status and click on the Next button. The Add New Payment Calculation Table screen displays: (6) Click on the OK button to continue. Page 139 of 424

140 The Mange Balance Ranges and Payments screen displays: The maximum number of balance ranges has increased from 18 to 99 and the screen has been enhanced to only display the column for the applicable payment calculation formula Number of Payments, Percent of Balance, or Fixed Payment. The user will enter the To Balance limit, the Interest Rate, and the Factor based on the selected Payment Calculation Formula. The system will automatically insert each row that is entered into correct balance range order and calculate the From Balance. The system enforces an end limit of to ensure all balance ranges are covered. (7) Enter the To Balance, the Interest Rate, Fixed Payment and click on the Add icon. Page 140 of 424

141 The Mange Balance Ranges and Payments screen displays: (8) Repeat step 7 to add additional ranges. (9) Once all ranges are added, click on the Save button. NOTE: The To Balance of the last row in the table must be ! (10) Click on the Cancel button or the Table Details tab to return to the Manage Payment Tables screen. Page 141 of 424

142 The Manage Payment Tables screen displays: (11) Click on the Done button to return to the Main Navigation screen. When performing add-ons or advances, the system will use the payment table defined in the loan record to adjust the payment amount and interest rate based on the new balance range. Payment tables can be flagged as inactive and will not be available for new loans, but will allow existing loans and add-ons to continue to be serviced. ~end~ Page 142 of 424

143 Maintaining Line of Credit Payment Tables This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To maintain a LOC payment table, click on Manager on the menu bar and select Institution/Consumer Loans/LOC Payment Table from the drop-down list. The Manage Payment Tables screen displays: (2) Click on the Edit icon of the payment table you wish to modify. Page 143 of 424

144 The Edit Payment Calculation Table screen displays: When editing an existing Payment Calculation Table, the system will display the date the payment table was Last Updated. (3) Click on the Modify button. Delinquency Status Codes Field Description Valid Entries/Comments Payment Calculation Table: Description: Payment Calculation Formula: Status: Last Updated: Indicates the number associated with this payment calculation table. Indicates the name or description of the payment table. Indicates the formula used to calculate the payment. Indicates whether the payment is active or inactive for use. Indicated the date this screen was last revised. Non-maintainable 25 alphanumeric characters Valid Values: 1 Fixed Payment 2 Percentage of Balance 3 Number of Payments Valid Values: Active Inactive Mm/dd/yyyy format Page 144 of 424

145 The Edit New Payment Calculation Table screen displays: (4) Modify the description, payment calculation formula and/or the status fields and click on the Save button. The Edit New Payment Calculation Table screen displays: (5) Click on the Balance Ranges & Payments tab to modify the range, interest and payment information. Page 145 of 424

146 The Mange Balance Ranges and Payments screen displays: (6) Click on the Edit icon of the balance range and payments you wish to modify. The Edit Calculation Table line screen displays: (7) Once all changes are made, click on the Save button. Page 146 of 424

147 The Mange Balance Ranges and Payments screen displays: (8) Repeat step 7 to modify additional ranges. (9) Once all ranges are modified, click on the Save button. NOTE: The To Balance of the last row in the table must be ! (10) Click on the Cancel button or the Table Details tab to return to the Manage Payment Tables screen. Page 147 of 424

148 The Manage Payment Tables screen displays: (11) Click on the Done button to return to the Main Navigation screen. ~end~ Page 148 of 424

149 Deleting Balance Ranges in Line of Credit Payment Tables This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To delete a balance range from a LOC payment table, click on Manager on the menu bar and select Institution/Consumer Loans/LOC Payment Table from the drop-down list. The Manage Payment Tables screen displays: (2) Click on the Edit icon of the payment table containing the balance range you wish to delete. Page 149 of 424

150 The Edit New Payment Calculation Table screen displays: (3) Click on the Balance Ranges & Payments tab to delete the range, interest and payment information. The Mange Balance Ranges and Payments screen displays: (4) Click on the Delete icon of the balance range and payments you wish to delete. Page 150 of 424

151 The Delete Calculation Table line Confirmation screen displays: (5) Click on the Ok button.. The Mange Balance Ranges and Payments screen displays: (6) Repeat steps 4 & 5 to delete additional ranges. (7) Once all ranges are deleted, click on the Save button. Page 151 of 424

152 (8) Click on the Cancel button or the Table Details tab to return to the Manage Payment Tables screen. The Manage Payment Tables screen displays: (9) Click on the Done button to return to the Main Navigation screen. ~end~ Page 152 of 424

153 Consumer Loan Late Charge Plans Previously, late charge parameters were stored in the IPB and a credit union was limited to minimal options such as only two different percentages and two different minimum and maximum late charge amounts. In addition, they were only allowed one grace day setting for all consumer loans. In MR2.7.0, the institution parameter late charge fields will be moved from the IPB and into i-power. A new concept of Late Charge Plans will be introduced where an institution can enter a plan description, choose the late charge method and the desired parameters. The late charge method is being moved from the loan record to the Late Charge Plan and the loan record will now indicate which plan to use. The system will look in the Late Charge Plan for that loan to obtain the actual late charge method and other parameters. An implementation utility is required to set up initial Late Charge Plans to correspond with the institution s current IPB parameters. In addition, implementation utilities will set the plan for each loan record and each existing loan application in i- POWER s Lending Originating System (LOS). A new security option has been added to the Role Category: Institution to allow managers to add or edit Late Charge Plans. Maintaining a Role A new security option has been added to the Role Category: Institution to allow managers to add or edit Late Charge Plans. This procedure assumes you are starting from i-power s Main Navigation screen. 1. To maintain a role, click on Manager on the menu bar and select Institution/User Access Management/Roles from the drop-down list. 2. Click on the Edit icon of the role you wish to maintain. 3. Click on the Edit icon of the Institution role category. 4. Click on the Modify button. Check the box for Late Charge Plans found under the Consumer Loans section to allow user security rights and de-select it to turn it off. 5. Once all modifications are made, click on the Save button. 6. Click on the Done button to return to the Main Navigation screen. Page 153 of 424

154 A new screen was added to allow a user with proper security access to manage Late Charge Plans. Navigate to Manage Late Charge Plans Manager / Institution / Consumer Loans / Late Charge Plans. The Manage Late Charge Plans screen displays the list of existing Late Charge Plans: Page 154 of 424

155 Note: Upon implementation, there will be a utility that will set up standard plans to correspond to every late charge method. The description of the plan will be the description of the method. For instance, Plan Number 1 has a description of Computed on Interest Due and it will initially be set to Late Charge Method 1 Computed on Interest Due. All the parameters within the plan will be based on the institution settings within your credit union s IPB. Plan Number 0 will be read-only and will always be referred to as No Late Charge. See more details about the implementation utility below. Select to Add or Edit Late Charge Plan. The Manage Late Charge Plans screen displays. Each field in the Late Charge Plan Details section will be described below. 1. Plan Number When adding a new plan, the Plan Number will be pre-populated based on the next available number after the highest late charge plan number in the system. The Plan Number will be editable upon setting up a new plan, but will be disabled on edit. The Plan Number must be unique and up to 999 plans can be defined. 2. Description User-defined description can be up to 50 characters. 3. Status When adding a new plan, the system will set the Status to Active as the default. The manager could change this to inactive in a case where they wanted to set the plan up, but were not ready to make it available to users. Once the plan has been established, a plan can only be marked Inactive if there are no open loan classes or no loan applications in process (LOS only) that are attached to the plan. Existing loans will continue to be serviced using an Inactive plan. Therefore, both active and inactive Late Charge Plans will be available when performing an add-on to an existing loan, as well as when maintaining an existing loan. Page 155 of 424

156 4. Late Charge Method This field indicates which late charge method is to be used for the late charge calculation for loans set to this late charge plan. The default value for new late charge plans is 0 No Late Charge. This field used to be stored at the loan level, but will now be stored within the late charge plan and the late charge plan will be stored in the loan record. Some changes will be made to the existing functionality. For example, Late Charge Method 3 (Fixed Late Charge) was only available for mortgage loans, but will now be available for consumer loans and loandrafts. Valid values: 0 No Late Charge 1 Computed on Interest Due 2 Percentage of Unpaid Payment 3 Fixed Late Charge Amount 4 Scheduled Payment less Partial Payment 5 Percentage of Unpaid Payment (CA State Charter) Note: Late Charge Method 7 will no longer be necessary since it is the same calculation as Late Charge Method 2. It only existed to allow different minimum and maximum values. For the conversion of existing loans using Late Charge Method 7, a Late Charge Plan Number = 7 will be implemented with a Late Charge Method of Late Factor (Percentage) This is the percentage to use in the calculation for late charge methods 1, 2, 4, and 5. Not used by Late Charge Method 3. Note: This used to be in the IPB as IP-LATE-FACTOR and had 4 occurrences and certain methods looked at certain occurrences. This is being streamlined into one field within each late charge plan. 6. Fixed Late Charge Amount This is the fixed late charge amount when using Late Charge Method 3. If Late Charge Method = 3, this is a required field. Not used by late charge methods 1, 2, 4, or 5. Note: Late Charge Method 3 is a new late charge method for consumer loans. Previously, to charge a fixed late charge, the minimum and maximum values were set to the same amount, which also satisfied the fixed amount. Although that method will continue to work, this method more accurately describes the true calculation formula and will also ease training for new customers 7. Grace Days This field is used to tell the number of days from the due date when a late charge is assessed on consumer loans and loandrafts. Example: If Grace Days = 10 and the due date is March 15, then on March 25 a late charge will be assessed (on the 10 th day). If the credit union wants to charge after 10 days, then enter 11. Note: This field used to be in the IPB as IP-LATE-CHG-DAYS 8. Minimum Late Charge Amount This field indicates the minimum late charge amount (calculated + unpaid) for consumer loans and loandrafts for this Late Charge Plan for all Late Charge Methods except for Late Charge Method = No minimum = Valid amounts ($ $ ) Note: This used to be in the IPB under two different options (IP-MIN-LATE-CHG and IP-MIN-LATE-CHG-5) and certain late charge methods looked at certain options. This is being streamlined into one field within each late charge plan. Page 156 of 424

157 9. Maximum Late Charge Amount This field indicates the maximum late charge amount (calculated + unpaid) for consumer loans and loandrafts for this Late Charge Plan for all Late Charge Methods except for Late Charge Method = No Maximum = Valid amounts ($ $ ) If the value is greater than , the system will validate that the amount entered is greater than or equal to the Minimum Late Charge Amount. Note: This used to be in the IPB under two different options (IP-MAX-LATE-CHG and IP-MAX-LATE-CHG-5) and certain late charge methods looked at certain options. This is being streamlined into one field within each late charge plan. 10. Partial Payment Percentage The value in this field determines whether to assess a late charge on a consumer loan or loandraft when a partial payment exists. Enter 100% to always charge a late fee. This field is disabled for Late Charge Method = 1. Note: This field used to be in the IPB as IP-PYMT-PERCENT 11. Late Charge Implementation Option and Date This option and date determines when to start assessing late charges on consumer loans or loandrafts using this late charge plan. There are two options to choose Calendar Date or Date Next Payment. The user will also enter the desired Implementation Date. Note: This field used to be in the IPB as IP-LC-IMPLMT-DT 12. Unpaid Interest When using Late Charge Method 1 Percent of Interest, this field indicates whether the unpaid interest amount is used EVERY time in the late charge calculation or only ONCE (at the first event after becoming delinquent). This field is only enabled for Late Charge Method = 1. Note: This field used to be in the IPB as IP-REPT-FLG (76) In addition to being able to select to Edit an existing Late Charge Plan from the list, a user can select the action icon to View History to see file maintenance history for the desired plan: Page 157 of 424

158 Default Late Charge Plan In the Consumer Loan Product Class and Loandraft Product Class, the field for Default Late Charge Code has been removed and replaced by the Default Late Charge Plan. 1. Navigate to Manage Consumer Loan Classes Manager / Institution / Consumer Loans / Product Classes or navigate to Manage Loandraft Classes Manager / Institution / Loandrafts / Product Classes. The Manage Consumer Loan Classes screen displays the list of existing Loan Product Classes. 2. Click on the Edit icon of the product class you wish to maintain. The Edit Consumer Loan Class screen displays. 3. Select the desired Default Late Charge Plan to be used for new loans from the drop-down list. Only Late Charge Plans with a status of Active will be available for selection. Page 158 of 424

159 LOS Late Charge Plan On the Loan Product screen in LOS, the field for Late Charge Code has been removed and replaced by the Late Charge Plan. When starting a new loan application in LOS, the system will default in the Late Charge Plan for the selected Loan Product Class. Only Late Charge Plans with a status of Active will be available for selection. When performing an add-on to an existing loan, the system will default in the Late Charge Plan for the selected Loan Suffix. Late Charge Plans with a status of Active or Inactive will be available for selection. Late Charge Plans that are inactive will be distinguished from active plans by displaying Inactive in the list. Page 159 of 424

160 Consumer Loan Maintenance Late Charge Plan In the Late Charge area of Consumer Loan Maintenance, the field for Late Charge Method has been removed and replaced by the Late Charge Plan. 1. Navigate to Consumer Loan Maintenance select General Loan Info from the Loan Suffix menu Note: With this feature, the Date of First Delinquency field was also added to the Delinquency area. Page 160 of 424

161 Automatic Tracking of Loan Extensions for Consumer Loans Subsequent Actions Loan extensions are a change in terms and considered a subsequent action to the actual loan. There are multiple reasons credit unions may want to perform a change in terms, including a holiday skip pay, bringing a loan current, or changing a payment amount and/or due date. Each credit union may have its own set of reasons for processing a change in terms. A new feature has been implemented that allows each credit union to set up subsequent action types and perform subsequent action transactions as requested by members. The first phase of this feature allows for subsequent action on consumer loans (including loan drafts). Future phases of this feature include adding feeing capability as well as additional parameters, such as how many times per year a particular subsequent action can be performed. Manage Subsequent Action Types The first step to this feature involves setting up subsequent action types. To do this, the user (Institution Manager) must be given the authority to set up and maintain such types. This is accomplished by enabling the Subsequent Action Types option under the Institution role category. Page 161 of 424

162 A new option Subsequent Action Types will be presented under the Manager, Institution, and Consumer Loans menu. Page 162 of 424

163 The Manage Subsequent Action screen will be presented. The list of subsequent action types will be sorted by ascending Reason Number order. On this screen, the following functions can be performed: Add a subsequent action type Edit an existing subsequent action type View history performed on an existing subsequent type From the Subsequent Action Type list screen. Page 163 of 424

164 Adding/Modifying a Subsequent Action Type Up to 999 subsequent action types can be defined. When adding or modifying a Subsequent Action Type, the following fields will display: Reason Number The system will automatically default the next available Reason Number but allows change if adding a new subsequent action type. This number is unique per type. Description Defines the description for the type. Up to 50 alphanumeric characters can be entered. Status The status of a subsequent action type can be Active or Inactive. The default value when adding a type will be Active. However, credit unions may want to mark certain types inactive during certain time periods. For instance, a Holiday Skip may only be allowed during November or December. The user may mark the type inactive when not being offered. Also note that subsequent action types can not be deleted. If type is no longer desired, it can be marked Inactive. Last Updated When a new type is added or an existing type is changed, the Last Updated field will be changed to the current business date. This field will not display when adding a new subsequent action type. Page 164 of 424

165 When viewing History for the Subsequent Action Type, information such as Data Before, Data After, and Teller who performed the maintenance will be presented. To print history, simply click the option. Page 165 of 424

166 Performing Subsequent Action Maintenance at the Account Level In order to perform subsequent action maintenance at the account level, the user s role option Subsequent Action under Consumer Loans must be enabled. The Product Class screen (consumer loans and loan drafts) will contain an option that indicates whether loans set to the class are eligible for subsequent action. To allow subsequent action, set the Allow Subsequent Action field to Yes. Note: All classes will have a default value of Yes at implementation. Classes that do not support such maintenance should be changed to No. Page 166 of 424

167 To access the Perform Subsequent Action screen, select Subsequent Action from the Consumer Loan or Loan Draft selection menus. Page 167 of 424

168 The Perform Subsequent Action screen will be presented. This screen allows the user to view history of prior subsequent actions, select a reason for the current subsequent action, and perform file maintenance to key loan fields. It is separated into 3 sections: 1. Loan Information This section reflects current information for the loan that cannot be maintained on this screen such as its current balance. 2. Subsequent Action History This section allows user to view history of prior subsequent actions. The system will display subsequent action history for the loan in descending order by date. The user may click to view subsequent action history (see next page). If no previous subsequent action was found, a message No Subsequent Action history was found for this loan will be presented. 3. Subsequent Action Details Information such as type of subsequent action (all active types will be available for selection), interest rate, product class, etc. can be maintained. Information changed here will be retained in subsequent action history for the life of the loan Note: If Product Class is changed from one that supports subsequent action to one that does not support subsequent action, the current class setting will prevail and allow the subsequent action to be performed. Further subsequent action would be prevented from that point forward. Page 168 of 424

169 When clicking action. next to History, the following screen will display providing read only information about the subsequent Page 169 of 424

170 Warning Messages In certain cases, the following warning messages may be presented when performing subsequent action maintenance: If the class tied to the loan does not support subsequent action, the following message will be returned and the option will be unavailable to perform the subsequent action. In this case, the user will still have view only access to the Perform Subsequent Action screen even though the product class does not support Subsequent Action. This will be especially useful for loans linked to classes that used to allow for subsequent action that no longer do. If the officer who performed the disposition on the loan does not have permission to perform subsequent action, the following message will be returned. Permission is defined in the user s role under the Consumer Loans category Subsequent Action by Disposition Officer. At least one field (besides Type) must be modified for the Subsequent Action transaction to post. If no field has been modified, the following message will be presented. If the Date Next Payment is changed to a date prior to the current business date, the following warning message will be presented. Date Next Payment must match the Late Charge Date. If it doesn t, the following message will be presented. Page 170 of 424

171 If loan is a loan draft and the Date Next Payment is modified the following warning message will display Consumer Loan Maintenance The same fields that appear on Perform Subsequent Action screen will appear on the General Loan Information screen. If an attempt is made to maintain one of these fields on the consumer loan maintenance side, the following warning message will be presented. To continue with the maintenance, click. Subsequent action fields that are maintained from the General Loan Information screen will not update subsequent action history. Note: In a future release, a supervisor override will replace this warning message allowing credit unions more flexibility in controlling maintenance to subsequent action fields. Page 171 of 424

172 Security Changes Overview To allow access to add/maintain subsequent action types, the option Subsequent Action Types must be enabled under the Institution role category. To allow access to subsequent action maintenance for officers that did not perform the disposition on the loan enable the option Subsequent Action under the Consumer Loans role category. To allow access to subsequent action maintenance for officers who performed the disposition on the loan enable the option Subsequent Action by Disposition Officer under the Consumer Loans role category. Page 172 of 424

173 Report Changes The Consumer Loan Role report was modified to reflect the new subsequent action security additions. New New The Institution Role report was modified to reflect the new subsequent action type security addition. New Page 173 of 424

174 Daily Subsequent Action Activity Report (RLN10510) A new report will be generated on a daily, monthly, and quarterly basis that presents Subsequent Action activity. Transactions that appear on these reports include all subsequent action activity that has been performed against a consumer loan or loan draft for a given day, month, or quarter. The File ID produced is TDBOiii (iii=credit union number). The report will also be archived in the credit union s archival system. If there is no activity, the report will still be produced, but will display a NO ACTIVITY TO REPORT message. Below is an example of a Daily Subsequent Action Activity Report. The Monthly and Quarterly reports will be very similar except they provide subsequent action transactions that occurred for the entire month or quarter. For the daily reports, the first section will consist of all Subsequent Action activity for the day. Each column such as Coll Type will have before and after values presented. The activity will be grouped by Branch, and then Subsequent Action type with subtotals provided for each one. A Grand Total will also be provided. Number of times Subsequent Action Type was performed Number of times Subsequent Action Type was performed Total number of times subsequent Action was performed (all types) Page 174 of 424

175 The second section presents Teller Activity and will be grouped by Teller Number, then Subsequent Action Type, with subtotals and totals provided for each, and a Grand Total. First Teller Information Number of times teller performed this subsequent Action type Total number of subsequent actions performed by teller Joe Smith Second Teller Information Total number of times subsequent Action was performed (all types & all tellers) Page 175 of 424

176 The third and final section of the report is a summary of Subsequent Action Types, Tellers, Branches, Product Classes, Collateral Codes, and Type Codes that had Subsequent Action transactions performed against each one. Page 176 of 424

177 IPB Listing Report (RMGIPC10) Users will notice that a new IPB Exception Flag 699 was added to control maintenance performed to subsequent action fields on the General Loan Information screen. Although the option was added to the report, it has not been fully implemented with this release. The default value at implementation is a 5 but can be changed at the credit union s request. To change the override level, please contact EPL Lending Support at eplodilending@epl.net. Page 177 of 424

178 Subsequent Action Fees Previously, when performing a subsequent action, the user has to perform a separate miscellaneous transaction to charge the member a fee. Users now have the ability to set up specific fees for each subsequent action that you have setup in the system on the Manage Subsequent Action screen. These fees will be charged while performing a subsequent action on the Perform Subsequent Action screen. 1. From the main menu in i-power, select Manager > Institution > Consumer Loans > Manage Subsequent Action. The Manage Subsequent Action screen displays. 2. Select the subsequent action type you wish to enter the fee amounts to be charged and click the <Edit> icon. The Manage Subsequent Action Type screen displays, as shown below: 3. Click <Modify> to add the fees to the Fee Options section of the screen. On this screen, the user can select if he/she wants the fees to be automatically transferred from a suffix or not by using the Transfer Only option. The functionality of Transfer Only is to control the funds options available on the Funds Type box when assessing a subsequent action fee. This means that the system will only allow the fee to be performed as a transfer from another account. In other words, it cannot be taken by cash or by check. The benefit of this is that a transaction performed as a transfer will appear on the member s statement, whereas, if it was just taken by cash or check, it would not appear on a statement since it did not touch an account. This means that it allows the system to maintain a record of the member paying for the transaction. The user can transfer from a share, club, loan, etc. 4. Click <Save> when finished. Page 178 of 424

179 Maintaining Subsequent Actions on the General Loan Info screen Prior to this feature, several items that can be considered as Subsequent Actions were still maintained on the General Loan Info screen. Previously, we just warned users that they were changing a field that could be considered a subsequent action. The user would simply be presented with the statement You have modified a field that could potentially be considered a Subsequent Action. Select <OK> to proceed or <Cancel> to perform a subsequent action. Now we have an override flag that allows users the flexibility to set an override level on those same fields. With this feature, a new override (IP-EXCEPTION-FLAG 631) will be implemented for changing certain key Subsequent Action fields from the General Loan Info screen. If desired, this override can be set to a level high enough to force the user to use the Subsequent Action transaction. Any modifications on the following fields from the General Loan Info screen will invoke the new override: Date Next Payment Late Charge Date Payment Amount Interest Rate LOC Amount LOC Expiration Date The following fields will not require an override for modifications from the General Loan Info screen: Product Class Collateral Code Type Code Page 179 of 424

180 Performing a Subsequent Action 1. From the Member Profile in i-power, click on the loan suffix you wish to perform a subsequent action for as shown below: Page 180 of 424

181 2. The Perform Subsequent Action screen displays: 3. Select the type of subsequent action you wish to perform from the drop-down list of options in the Type field. The fee amount will display as defaulted in from the selected subsequent action type. If there is a fee amount, the Charge Fee checkbox will default to checked, but the user can choose to uncheck it and waive the fee. If the selected subsequent action type does not have a fee, the checkbox will be unchecked and disabled. Furthermore, depending on whether there is a fee or not determines if the user sees a <Save> or <Next> button on this screen. No fee will just allow the user to <Save> the subsequent action and charging a fee will direct them to the monetary screen by clicking <Next>. 4. Make the appropriate change based on the type of subsequent action you have chosen. 5. Click <Next>. NOTE: On the Perform Subsequent Action screen, if the user removes the check mark from the charge fee box, an override will be required to waive the fee. Page 181 of 424

182 6. The Subsequent Action Fee screen displays as shown below: 7. The new Subsequent Action Fee screen displays the standard account header, Funds box and applicable standard monetary transaction fields such as Transaction Amount and Transaction Description. Enter the following fields as necessary: 8. Transaction Amount. The transaction amount is the fee amount. The transaction amount will be the fee amount defaulted in from the selected Subsequent Action Type. The transaction amount will be disabled, since the fee amount cannot be modified, it can only be waived or assessed. The transaction amount will update the fee amount in the Subsequent Action History and will display on the report. If no fee is charged, the fee amount will display as Funds Required/Cash Back/Difference. This is a calculated field and will be disabled since the Transaction Amount is set and cannot be changed. The label for this field changes dynamically based on activity on the screen. For example, at first the label will be Funds Required and will contain the amount of the fee (transaction amount). As the user enters the funds amounts, the label may change to Cash Back or Difference. When the user needs to enter funds to satisfy the transaction amount, the label will display Funds Required with the amount of funds that are required. When the user enters funds amounts that are greater than the transaction amount, the label will display Cash Back and show the amount of cash due back to the member. When the transaction amount and the amount of funds entered are the same, the label will display Difference and will show 0.00 Page 182 of 424

183 10. Transaction Description. The user can choose to enter a custom transaction description that will print on the member receipt, appear in the history and print on the member statement. It will also flow through to the General Ledger. If nothing is entered, the default description that will appear on the member statement is Loan Subsequent Action Fee. 11. Effective Date. The credit union s current business date will be the default value. A future date is not allowed, but a prior date will follow existing posting rules; for example, the date may be backdated if not prior to the last statement created. If a transaction exists prior to the effective date, the system will prompt for a Supervisor Override, etc. 12. Print Mail Receipt. This field indicates whether the receipt will contain the member address along with name in certain location as for display in the window of a standard business size envelope. 13. Print Account Number and Print Balance. These two options indicate whether the account number-suffix and balance will print on the receipt or will be masked (e.g. XXXX-XX). 14. Funds Types. The only funds types valid for Subsequent Action Fee are Cash, Check, Transfer, and CU Check. If the chosen Subsequent Action Type is set to allow Transfer Only, then only Transfer will be available and the screen will not display Cash, Check, or CU Check. 15. Transfer from Loan. The system will allow the Subsequent Action Fee to be charged to the loan account by selecting the loan account and suffix as the Transfer From account on the Transfer From Details screen. The transaction will post to the loan as an add-on. 16. Transaction Complete. When the transaction has successfully posted, the system will display the Transaction Complete screen. The Tran Type will display as Sub Action Fee. 17. Hot Keys. Hot key <Enter> will execute the "Post" button so the user will be able to hit the <Enter> key to post the transaction. In addition, each funds type will have a hot key to go the applicable details screen, as described below: Ctrl + 1 will take to Cash Details screen Ctrl + 2 will take to Check Details screen Ctrl + 3 will take to Transfer From Details screen Ctrl + 5 will take to Check Details screen NOTE on Open-End Loans: A new override (IP-EXCEPTION-FLAG 633) will be implemented for charging a Subsequent Action Fee for an open-end loan. If the transfer is made from a loan suffix, it will be considered a loan add on but if it s being transferred from an open-end loan, an override may be required. The reason for this override is because with open-end loans, you have to be careful about charging fees which can be considered a pre-paid finance charge. Our system does not currently support pre-paid finance charges for open-end loans, so this override will allow the credit union to shut down the ability to charge a fee on an open-end loan (or at least require an override) so that they can determine if the fee meets the criteria for pre-paid finance charge. If desired, this override can be set to a level high enough (9) to never allow a fee to be charged on a Subsequent Action transaction for an open-end loan. Likewise, it can be set to 0 and never require an override or to a level 1-8 that allows the fee to be charged by entering the override by a user with sufficient override level. The default override level will be 5. An open-end loan for these purposes will be defined as a loan with a collateral code that falls within the high-low range in the institution settings or for which the member has signed an open-end agreement. Page 183 of 424

184 Reports In addition to showing the activity for each Subsequent Action type, the reports show the totals and sub-totals for each category. The change with this feature was to add the fee amount to each transaction and calculate the totals and sub-totals for each category. Page 184 of 424

185 Complete Error Correction Transaction for a Subsequent Action with a Fee By means of the Perform Subsequent Action screen, a subsequent action can be performed on a loan (such as extending the due date) and a fee can be assessed for the subsequent action. If for any reason this fee needs to be error corrected, this can be done via the Teller Electronic Journal screen. However, by error-correcting the fee in this way, the correction does not revert the values that were modified back to the previous values. With this release, all values that were modified (error-corrected) as a result of the subsequent action transaction with a fee will revert back to the previous values. This information is located on the Subsequent Action History Details screen. New Regulation Z changes effective 07/01/2010, state that all fees associated with a loan should be listed on the member statement in a separate section. If a loan fee is added to a loan, we can capture that fee for the statement, however, if a fee is not added to a loan, clients will need to use the Subsequent Action screen to record the action and fee which will be stored in the Subsequent Action history and we will be able to pull the fees from here to show on the members statement. If fee reversals are not stored in the Subsequent Action history then we will not properly disclose the fees on the member statement. Page 185 of 424

186 Complete the Error Correction Transaction for a Subsequent Action with a Fee This feature only applies to subsequent action transactions with a fee. The fee transaction can be error-corrected on the Teller Electronic Journal screen on the same day and by the same teller and will be removed from the Subsequent Action History section of the Perform Subsequent Action screen. All values that were modified as a result of the subsequent action transaction with a fee will revert back to the previous values. This information is located on the Subsequent Action History Details screen. Added a pop-up message to the Error Correction screen when the user clicks on the Error Correction icon. The system will display Error Correction of this Subsequent Action Fee will reverse your Subsequent Action Maintenance. 1. To error-correct a subsequent action transaction with a fee, the user will click on the Reject icon from the Electronic Journal Transaction Log screen, as shown below: Page 186 of 424

187 2. The Error Correction screen displays. To complete the error-correction of a subsequent action transaction with a fee, the user will click on the Error Correction icon on the Error Correction screen and the system will display the following pop-up message: 3. When the user clicks on the <OK> button, the system will complete the error correction transaction and display the Error Correction Complete Message screen. 4. If the user clicks on the <Cancel> button, the system will terminate the error correction transaction and display the Electronic Journal Transaction Log screen. 5. When an error-correction occurs, then all values that were modified as a result of the transaction will revert back to the previous values as displayed in the Before Value/After Value fields, e.g. a skip a payment transaction was performed and the Date Next Payment and the Late Charge Date fields were modified/advanced by one month 10/15/2008 to 11/15/2008. The system will revert all values back to the Before Value and change those dates back to the original values of 10/15/2008. This information is located on the Subsequent Action History Details screen. 6. The fee transaction is error-corrected and removed from the Subsequent Action History section of the Perform Subsequent Action screen. 7. All current rules will apply for Error Corrections: Error Corrects: Occur on the same day by the same teller. They can only be performed to the last transaction on the suffix. After error-correcting the last transaction, you can proceed to error-correct the second to last transaction. The error-correct and the original transaction do not appear on the member s history or statement. Teller totals are also adjusted by the error correct. Page 187 of 424

188 Payment Frequency field on the Subsequent Action screens The Payment Frequency field displays in the following areas: Subsequent Action Details section of the Perform Subsequent Action screen. Subsequent Action History Details screen. Perform Subsequent Action screen Page 188 of 424

189 Subsequent Action History Details screen: Page 189 of 424

190 General Loan Info screen Exception Flag 631 logic has been added to the Payment Frequency field on the Consumer Loan Maintenance screen. The following fields are available for maintenance on both the General Loan Info screen and the Perform Subsequent Action screen: Date Next Payment, Late Charge Date, Payment Amount, Payment Frequency, Interest Rate, Product Class, Collateral Code, Type Code, LOC Amount, and LOC Expiration Date a. Changes to any of these fields are only considered part of a Subsequent Action transaction if performed from the Perform Subsequent Action screen. Therefore, changes to any of these fields from the General Loan Info screen will be recorded in normal File Maintenance history, but not in Subsequent Action history. b. An override [IP-EXCEPTION-FLAG 631] is available for changing certain key Subsequent Action fields from the General Loan Info screen. If desired, this override can be set to a level high enough to force the user to use the Subsequent Action transaction. Any modifications on the following fields from the General Loan Info screen will invoke the new override: 1. Date Next Payment 2. Late Charge Date 3. Payment Amount 4. Payment Frequency 5. Interest Rate 6. LOC Amount 7. LOC Expiration Date c. The following fields will not require an override for modifications from the General Loan Info screen: 1. Product Class 2. Collateral Code 3. Type Code Page 190 of 424

191 General Loan Info screen Added logic to the system that if the Date Next Payment and the Late Charge Date are not the same, we now display an error that the Date Next Payment and Late Charge Date must match to match the same error message that displays on the Perform Subsequent Action screen. Subsequent Action Report RLN10510 Added the Payment Frequency column/field to the following reports: Daily Subsequent Action Activity Report Daily Subsequent Action Activity Report Teller Activity Monthly Subsequent Action Activity Report Monthly Subsequent Action Activity Report Teller Activity Quarterly Subsequent Action Activity Report Quarterly Subsequent Action Activity Report Teller Activity We now display EC for those transactions that have been error-corrected and do not include the error-corrected transaction in the totals on the following reports: Daily Subsequent Action Activity Report Daily Subsequent Action Activity Report Teller Activity Monthly Subsequent Action Activity Report Monthly Subsequent Action Activity Report Teller Activity Quarterly Subsequent Action Activity Report Quarterly Subsequent Action Activity Report Teller Activity Page 191 of 424

192 Capture the Current Loan Balance The Current Loan Balance (LN_CURR_BAL column from the LOAN_DS table) is captured at the time of the Subsequent Action transaction and store it in the SUBSQ_ACTN_HIST table. The current loan balance captured at the time of the transaction is displayed in the Subsequent Action Details section of the Perform Subsequent Action screen located after the Account Description field, as shown below: Subsequent Action Report RLN10510 Added the Current Balance column/field to the following reports: Daily Subsequent Action Activity Report Daily Subsequent Action Activity Report Teller Activity Monthly Subsequent Action Activity Report Monthly Subsequent Action Activity Report Teller Activity Quarterly Subsequent Action Activity Report Quarterly Subsequent Action Activity Report Teller Activity Page 192 of 424

193 Print Capabilities for Subsequent Action Forms With the MR release, the ability to print the Subsequent Action form from the Subsequent Action screen has been added instead of having to access the Loan Origination System (LOS) for this function. The credit union will have to upload the Subsequent Action form and map any applicable custom or standard fields, if necessary. To meet the requirements of this feature, the following changes were made: The capability to add Subsequent Action custom forms has been added under the Manager, Institution, Forms, Account menu option. It was added under the Manage Account PDF Forms area because this process will take place after the loan has already been booked on the account in LOS. The capability to add or maintain the Subsequent Action custom fields has been added under the Manager, Institution, Forms, Account menu option. It was added under the Custom Account PDF Fields area because this process will take place after the loan has already been booked on the account in LOS. The Subsequent Action workflow has been modified to include the Produce Documents screen/subsequent Action form. The i-docs Capture Signature/Auto Archive feature code functionality has been added to the Produce Documents screen. Page 193 of 424

194 Subsequent Action Form Prerequisites Credit unions must be using the Subsequent Action transaction. Forms must be.pdf. Forms must be mapped by the credit union to enable data to be filled. i-power Set Up & Options Credit unions must determine which Subsequent Action fields are to be filled in and then set up corresponding Custom Fields to map to the Subsequent Action Form fields. Credit unions not using i-docs will only be allowed to print the form for the member. Credit unions using i-docs will be allowed to print, archive and, if signature capture is enabled, capture the signature on the form. Mapping the Subsequent Action Form The Form must be a pdf template: Print a copy of the pdf form and decide which fields you want to map. Load the form into i-power as a Subsequent Action Form. First map all fields you can from the Loan Fields. o Loan Account Number o Balance o Frequency o Loan Payment Amount o Interest Rate o Next Payment Due Date For any remaining fields you wish to map to the Subsequent Action form that are not available in the i-power Loan Fields, simply establish a Custom Field and then map it. (You do not have use the Subsequent Action fields, these are for future use). Test your form. Using the Subsequent Action Form Important! Data will NOT print unless you fill in the Custom Fields. Simply mapping the Subsequent Action Fields without linking to a Custom Field will NOT fill in data. On any Consumer Loan (not applicable for Mortgage Loans), select Subsequent Action. Complete the details for performing the subsequent action. Continue to click <Next> until you arrive on the forms page. If your credit union is not using i-docs OR if your credit union is using i-docs but not using signature capture, select the CF button and complete the applicable custom fields you desire to print and close. If your credit union is using i-docs, select Print and Archive and you will be prompted to enter Custom Fields before you capture a signature. Page 194 of 424

195 Manage Acct PDF Forms Menu Option Added Subsequent Action to the Type drop-down list of fields on the Add New Custom Account Form screen. 1. To access this screen in i-power, from the main menu select Manager, Institution, Forms, Account and then Manage Acct PDF Forms. The Maintain Custom Accounts Forms screen displays, as shown below: Page 195 of 424

196 2. Click the <Add Custom Account Form> tab to add the Subsequent Action form (s). The Add New Custom Form screen displays, as shown below: 3. Added Subsequent Action to the Type drop-down list of fields on the Add New Custom Account Form screen. Follow your normal procedures for adding a custom loan document. 4. Click <Save> when finished. Page 196 of 424

197 Custom Acct PDF Fields Menu Option Added Subsequent Action to the Select Page drop-down list of fields on the Custom Fields screen. Renamed Deposit PDF Fields to Account PDF Fields in the Select Page drop-down list fields on the Custom Fields screen. 1. To access this screen in i-power, from the main menu select Manager, Institution, Forms, Account and then Custom Acct PDF Fields. The Custom Fields screen displays, as shown below: 2. Select Subsequent Action from the drop-down list of fields under Select Page and click <Go>. The Custom Fields screen displays. Page 197 of 424

198 3. Click the <Add New Custom Field> tab to add new custom fields to your Subsequent Action form (s) or click the <Edit> icon corresponding to an existing Subsequent Action form. The New (Maintain) Custom Field Subsequent Action screen displays, as shown below: 4. Follow your normal procedures for mapping custom fields to a loan document. 5. Click <Save> when finished. Page 198 of 424

199 Subsequent Action Workflow to include the Produce Documents screen/subsequent Action Form 1. Select an account with a consumer loan from an Account Profile. 2. Click on the loan suffix and select Subsequent Action from the drop-down list of options. The Perform Subsequent Action screen displays. 3. Click <Modify> and then select the subsequent action type from the Type drop-down list field. 4. Modify all applicable fields, select the <Next> button and the system will display the Produce Documents screen, as shown below: *** If the credit union is charging a fee for the subsequent action and when the user selects the <Next> button, the system will display the Subsequent Action Fee monetary transaction screen. After completing the details of the monetary transaction, the user will click the <Post> button and the system will display the Produce Documents screen displaying the Subsequent Action Form. Page 199 of 424

200 i-docs Capture Signature/Auto Archive feature code functionality for Subsequent Action on the Produce Documents screen 1. On the Perform Subsequent Action screen, click <Modify> and then select the subsequent action type from the Type drop-down list field. 2. Modify all applicable fields, select the <Next> button and the system will display the Produce Documents screen, as shown below: 3. You now have the option to archive the form/document by clicking the <Archive> checkbox to archive in i-docs (if subscribed). 4. Once you are ready to archive and or print the form/document, select the <Archive/Print> button and the system will display the Archive/Print Document Confirmation screen. The Archive/Print Document Confirmation screen displays the document to be archived to i-docs and/or printed to the laser printer based on the user s selection on the Produce Documents screen. 5. When you are ready to archive and/or print, select the <OK> button. When the applicable document contains custom fields and/or signature fields, the system will display the Adobe screen thereby allowing you to enter the custom fields and/or capture signatures. Page 200 of 424

201 Account Profile Loan Accounts are comprised of consumer and mortgage loans. The following fields are displayed within the Loan Accounts area of the Account Profile screen: Accounts Tab Loan Accounts Field Description Valid Entries/Comments Suffix Note # Indicates the number assigned to the loan. Indicates the note number assigned to the loan by the credit union. Read only Valid Values: = consumer loans (if a loan is a LOC, suffix must be used.) = mortgage loans Data Base Field Name: LN-DESCRIPTION Read only 6 alphanumeric characters entry is optional Data Base Field Name: LN-NOTE-NR Description Balance Pay Off Indicates the description of the loan. This description is printed on the member s statement next to the suffix number. Indicates the current balance of the loan. Indicates the amount required to pay off the loan on today s date (includes all interest and fees). read only 25 alphanumeric characters Data Base Field Name: LN-COLL-DESC Read only monetary format Data Base Field Name: LN-CURR-BAL Read only monetary format Page 201 of 424

202 Accounts Tab Loan Accounts Field Description Valid Entries/Comments Due Date Payment Amount Escrow Indicates the date the next payment is due. Scheduled Payment Amount Indicates the scheduled payment amount per frequency. Alternate Payment Amount Indicates the payment amount the member will pay for a period of time that is different from the scheduled amount. When the alternate payment amount is used an A will be displayed to the right of the payment amount. Indicates the next amount of all escrow payments required with each regular payment. Read only mmddccyy format The next due date remains the same until the entire scheduled payment amount has been posted. Data Base Field Name: LN-DT-NXT-PYMT Read only monetary format Scheduled Payment Amount: Cannot be 0 for open-end or loandrafts. Round up to whole dollars for loandrafts Data Base Field Name: LN-PYMT-AMT Alternate Payment Amount: If a member needs to pay a different payment amount from the scheduled payment amount for a period of time, enter that amount in this field. Once the member is ready to resume the original payment amount, file-maintain this field to zero. As long as an amount greater than zero appears in this field, the system will track the loan by that amount, overriding whatever amount appears in the Payment Amount field. When an alternate payment is being used, the letter A appears next to the payment amount field on the Account Profile screen. Data Base Field Name: LN-ALT-PYMT-AMT Read only monetary format This amount does not include principal and interest amounts. Data Base Field Name: ML-NX-ESC-PYMT Amount Due Indicates the amount due including any past due payments. Read only monetary format Data Base Field Name: LN-PR-PYMT-AMT Page 202 of 424

203 Accounts Tab Loan Accounts Field Description Valid Entries/Comments Frequency / Payment Method Frequency Indicates how often payments are scheduled to be made on this loan. Payment Method Indicates the method by which loan payments will be made. Read only Frequency/Valid Values: 01 Annual 02 Semi-annual 04 Quarterly 12 Monthly Payments 24 Semi-monthly 25 Bi-weekly 26 Every 14 days 52 Weekly 99 Single Payment Data Base Field Name: LN-PAY-FREQ Payment Method/Valid Values: Valid Values: 0 Dividend Loan Payment (Code not currently supported by EPL) 2 Cash Loan Payment 5 Payroll Loan Payment If the ADV DAYS field in your IPB is set, the system will not advance the loan s next payment due date beyond the specified advance days. 7 Payoff at CD Maturity If the payoff is by certificate at its maturity. The loan must be cross-pledged to the certificate. When the certificate matures, the system will check to see if a loan has been cross-pledged against it. If so, the system checks the entry in this field. If the value in the field is 7, the system will perform the following transactions on the day the certificate matures: 1. Pay the interest to the certificate. 2. Transfer the new certificate balance to the loan trailer. If the proceeds from the certificate are not enough to completely pay off the loan, the system applies all available proceeds against the loan and prints this account on the Exception Report so that your credit union can take steps to collect the remaining balance. If the balance in the certificate is greater than the payoff amount, the remaining funds will be handled according to the instructions specified by the maturity option set up in the certificate record. 6 Payroll Loan Payment (Code not currently supported by EPL) 8 ODA Loan (overdraft account) (Code not currently supported by EPL) 9 Transfer for Payment Data Base Field Name: LN-PYMT-METHOD Page 203 of 424

204 Accounts Tab Loan Accounts Field Description Valid Entries/Comments Class Collateral Type Indicates the loan class used for this loan. Indicates the numeric code to describe the collateral of the loan. Indicates the numeric code to describe the type of the loan. Codes 001 through 999 are available and user-defined with the exception of the following which activate special functions within the system: Read only 3 digits Data Base Field Name: LN-ID / LN-VRL-CLASS Read only 3 digits Open-end loans with credit limits are based on the IPB high and low Collateral Codes. Other valid entries are: 000, = student loan 092, 093, 095,099 = fully secured share (00 trailer on same account as loan) You may, however, define additional values as long as they do not conflict with the above values. If you use collateral code 33, the system will reduce the shares pledged by the principal amount of the loan payment. For codes 092, 093, 095, and 099, the pledged share amount can be reduced automatically by the principal amount of the payment that is, the amount of share pledged would continually decrease, and the amount of share available to the member would continually increase by the amount of the principal after each payment. If you use any of these codes, you must also complete the cross-pledge area of the screen. Please refer to the Consumer Loan System Codes section of this document for detailed information on the setup and maintenance of these codes. Data Base Field Name: LN-LOAN-COLL read only 3 digits Valid Values: Code 075 has been hard-coded for real-estate loans. If you use this code and the interest is greater than $599.99, it will be reported on a 1098 form. Codes 060 through 069 have been hard-coded for student loans. If you typed 000 or a code between 060 and 069 in the COLLATERAL field, the loan type code must also be designated for student loans ( ). You may define additional values as long as they do not conflict with the above values. Please refer to the Consumer Loan System Codes section of this document for detailed information on the setup and maintenance of these codes. Data Base Field Name: LN-LOAN-TYPE Page 204 of 424

205 Accounts Tab Loan Accounts Field Description Valid Entries/Comments Interest Rate Status The annual percentage rate on the loan. Indicates the status of the loan suffix. Read only 6 digits Read only Valid Values: Open Closed Charged Off Discharged ~end~ Page 205 of 424

206 Suffix Drop-Down List The consumer loan suffix drop-down list contains the following menus: History Owners Warnings and Locks Consumer Loan Future Payoff General Loan Info FASB91 Rule of 78 Rate Change History Student Loan Discharge Debt Loan Draft Information Credit Bureau Order Loan Coupons Loan Collateral Loan Documents Loan Payment History The Account Profile screen displays: Page 206 of 424

207 History There are two types of History: Transaction and Maintenance. Transaction History displays financial transactions that occurred on a suffix. Transaction history may be viewed for one suffix or all suffixes of an account. History may also be viewed for a specific date or date range in addition to a single transaction or range of transactions dependent upon the search criteria selected. Maintenance History displays the past 7 days of file maintenance performed on a specific suffix. The share suffix maintenance history displays share maintenance and any changes made to the member demographics screens (address, joint owners, employment, etc.). You may also refer to the File Maintenance Journal, RMG11510; this report is run on a daily basis. Transaction History The Account Profile screen displays: Click on the consumer loan Suffix # drop-down list and select History. Page 207 of 424

208 The Transaction History screen displays: Transaction History Details Field Description Valid Entries/Comments Eff Date Act Date Act Time Tran Num Tran Type Tran Description Teller Num Branch Num Indicates the date on which the transaction is effective regardless when it occurred. The default is the business date. The value in this field indicates the order of activity printed on the statement. Indicates the calendar date on which the transaction actually occurred. Indicates the time at which the transaction actually occurred. Indicates the transaction (receipt) number of the transaction. This number is used to aid in error correction or reversal of a transaction. Indicates the transaction type description. A transaction description entered at the time of the transaction by the teller or an automated process. This description shows up on the member statement. The teller number that performed the transaction. Indicates the branch number the transaction was performed at. Mmddccyy format Mmddccyy format Military time format Check withdrawals: the check number that cleared either during nightly or online processing. ACH: the source number is used for automated internal transfers and payroll transactions. Other: all other transaction use a system-generated number. Deposits, withdrawals, payments, etc. ACH: Source # and Name appear ATM/Debit Card: Name and/or location appear Funds Transfer/Exception Payroll: Source # and Name appear Teller Number 999 represents an automated transaction, e.g., voice, homebanking, ATM/Debit Card, ACH, etc. 3 digits Page 208 of 424

209 Transaction History Details Field Description Valid Entries/Comments Tran Amt Principal Interest Insurance To Share Fee Amt Balance After Indicates the amount of the transaction. Indicates the amount of the payment that is applied to the principal. Indicates the amount of the payment that is applied to the interest. Indicates the amount of the payment that is applied to the insurance. Indicates the amount of the payment that is applied to the share account when there is excess. Indicates the fee amount, if any, associated with the transaction. The suffix balance after the transaction is posted. Monetary format Monetary format Monetary format Monetary format Monetary format Monetary format Monetary format Next Payment Indicates the next payment date. mmddccyy format Action Reject View Receipt icon and icon The Reject transaction. icon is used to Error Correct or Reverse a The View Receipt icon is used to view an on-line image of the transaction receipt in Adobe Reader. ~end~ Page 209 of 424

210 Maintenance History The Maintenance History screen displays: Maintenance History Details Field Description Valid Entries/Comments Date of File Maintenance Field Name Data Before Data After Teller Number Indicates the date on which the file maintenance occurred. Indicates the system field name that was changed. Indicates the content of the field before the most recent change. Indicates the content of the field reflecting the most recent changes. Indicates the user that performed the change. Mmddccyy format The information appears in whatever format the field dictates (e.g., date, dollar amount, alpha, etc.) The information appears in whatever format the field dictates (e.g., date, dollar amount, alpha, etc.) The information appears in whatever format the field dictates (e.g., date, dollar amount, alpha, etc.) Numeric ~end~ Page 210 of 424

211 Owners Information The Account Profile screen displays: (1) Click on the consumer loan Suffix # drop-down list and select Owners. The Owners screen displays: (2) Click on the Edit icon to inquire/file maintain the member or joint owner demographic information. Page 211 of 424

212 There are six tabs within the Owner screen: Home Previous Home Employment Previous Employment Temporary Mailing Identification Home The Home screen displays: (3) Click on the Modify button to file maintain any fields on the Home screen. Owner Home Field Description Valid Entries/Comments Full Name: Member s full name. 35 alphanumeric characters First, middle and last name format This is the name that is printed on any system-generated mailing such as statements and notices. Last-Name First-Name: U.S. Citizen: Shortened version of the member s name. Indicates whether the member is a US citizen or foreign. 15 alphanumeric characters Last Name first, First Name last format The system uses the first two letters of the entry in this field as the verify letters in addition to searches by the member s last name. This name is printed on internal reports, but is not printed on the member s statement. Valid Values: Yes No Page 212 of 424

213 Owner Home Field Description Valid Entries/Comments Relationship: Relationship of this owner to the primary member. The word Member appears in this field for a new share account. This field cannot be changed on a new share account. This field is credit union defined; refer to the Customizing I- POWER Settings Guide for detailed information on the setup and maintenance of this field. Birth Date: Member s date of birth. Mmddccyy format This field is also required for calculating Credit Life/Disability and IRA Distributions when applicable. Death Date: Indicates the member s date of death. Mmddccyy format Address Type: Indicates whether the member address is domestic or foreign. Valid Values: Domestic Foreign Address 1: Current address of the member. 35 alphanumeric characters Address 2: Continuation of Address alphanumeric characters Often used for the P.O. Box number. If you are entering a foreign address, use this line to enter the foreign province, county, and zip code. City: State/Province: City in which the member currently resides. Indicates the state or province in which the member currently resides. 35 alphanumeric characters 2 alpha characters or 20 alphanumeric characters NOTE: When the Address Type = Domestic use the State dropdown list. When the Address Type = Foreign, type the province name. Postal Code: Member s current zip code. 5 digit postal zip code and 4 digit extension If you do not know the four-digit extension for the Zip Code, type four zeros or leave blank. County: Country Years: Months: Residence: County in which the member currently resides. Indicates the country in which the member currently resides. Number of years the member has resided at the current address. Number of months the member has resided at the current address. The status of the member s current residence. 20 alphanumeric characters NOTE: when the Address Type = Foreign, this field is disabled. Valid Values: drop-down list contains all country names NOTE: this field default to United States when the Address Type = Domestic and this field is disabled. When the Address Type = Foreign, then you may select a country name from the drop-down list. 2 digits Valid Values: 0 11 Valid Values: Buying Own Renting Living with relative Not in this list Page 213 of 424

214 Owner Home Field Description Valid Entries/Comments Phone: Mobile: Pager: Member s area code and telephone number. Member s cell area code and telephone number. Indicates the member s pager area code and telephone number. Member s personal address. *See the Address Enhancement section for additional details. Drivers License: Member s drivers license number. 20 alphanumeric characters State: DL Description: DL Issuance Date: DL Expiration Date: DL Verification Date: The state in which the member s drivers license was issued. Indicates additional information regarding the driver s license the member presented. Indicates the date the driver s license was issued. Indicates the date the driver s license will expire. Indicates the date the credit union verified this driver s license. 10 digits It is not necessary to enter any hyphens - or parentheses ( ) between the numbers. The system will automatically place parentheses around the area code and a hyphen between the prefix and suffix, i.e., (555) digits It is not necessary to enter any hyphens - or parentheses ( ) between the numbers. The system will automatically place parentheses around the area code and a hyphen between the prefix and suffix, i.e., (555) digits It is not necessary to enter any hyphens - or parentheses ( ) between the numbers. The system will automatically place parentheses around the area code and a hyphen between the prefix and suffix, i.e., (555) alphanumeric characters Ensure at least/only one At exists and such as ipower@epl.net Ensure consecutive Periods. do not exist such as ipower..@epl.net Ensure no empty spaces exist such as ipower ipower@epl.net The period. when entered before the At cannot be next to such as ipower.@epl.net. Please note that s such as ipower.ipower@epl.net will be permitted. 2 alpha characters Use the two-digit abbreviation of the US Postal Service. 25 alphanumeric characters Mmddccyy format Mmddccyy format Mmddccyy format TIP: You may click on the Save button and bypass the Previous Home, Employment, Previous Employment, Temporary Mailing and Identification screens. Page 214 of 424

215 NOTE: All fields are not required; however if the Full Name, Last-Name First-Name, Address 1, City State, Zip and Birth Date fields are not completed, the system will automatically assign a Share Warning to the account. One of the following Warning Code/Descriptions will be assigned to the share account: Warning Code Warning Description 1 Missing Members name and address 4 Missing new account file maintenance 5 Combination of warning flags 01 and No date of birth 11 Combination of warning flags 01 and 10 (4) From the Home tab, click on the Next button, the Previous Home screen is displayed. If you continue clicking on the Next button and you will advance to the Employment, Previous Employment, Temporary Mailing and Identification screens. TIP: You may also navigate to the Home, Previous Home, Employment, Previous Employment, Temporary Mailing and Identification tabs by clicking on the tabs rather than using the Next button. Previous Home The Previous Home screen displays: (5) Click on the Modify button to file maintain any fields on the Previous Home screen. Page 215 of 424

216 Owner Previous Home Field Description Valid Entries/Comments Address Type: Indicates whether the member address is domestic or foreign. Valid Values: Domestic Foreign Address 1: Previous address of the member. 35 alphanumeric characters Address 2: Continuation of Address alphanumeric characters Often used for the P.O. Box number. If you are entering a foreign address, use this line to enter the foreign province, county, and zip code. City: State/Province: Previous city in which the member resided. Indicates the state or province in which the member previously resided. 35 alphanumeric characters 2 alpha characters or 20 alphanumeric characters NOTE: When the Address Type = Domestic use the State dropdown list. When the Address Type = Foreign, type the province name. Postal Code: Member s previous zip code. 5 digit postal zip code and 4 digit extension If you do not know the four-digit extension for the Zip Code, type four zeros or leave blank. Country How Long Years: Months: Indicates the country in which the member previously resided. Number of years the member resided at the previous address. Number of months the member resided at the previous address. Valid Values: drop-down list contains all country names NOTE: this field defaults to United States when the Address Type = Domestic and this field is disabled. When the Address Type = Foreign, then the you may select a country name from the drop-down list. 2 digits Valid Values: 1 99 Valid Values: 0 11 TIP: You may click on the Save button and bypass the Employment, Previous Employment, Temporary Mailing and Identification screens. (6) From the Previous Home tab, click on the Next button, the Employment screen is displayed. Continue clicking on the Next button and you will advance to the Previous Employment, Temporary Mailing and Identification screens. TIP: You may also navigate to the Home, Previous Home, Employment, Previous Employment, Temporary Mailing and Identification tabs by clicking on the tabs rather than using the Next button. Page 216 of 424

217 Employment The Employer Demographics screen displays: (7) Click on the Modify button to file maintain any fields on the Employer Demographics screen. Owner Employer Demographics Field Description Valid Entries/Comments Employer: Member s current employer name. 25 alphanumeric characters Occupation: Date Hired: Address Type: Address 1: Member s occupation, position, rank or grade. Indicates the member s date of hire. Indicates whether the employer s address is domestic or foreign. Current address of the member s employer. 20 alphanumeric characters Mmddccyy format Valid Values: Domestic Foreign 35 alphanumeric characters Address 2: Continuation of Address alphanumeric characters City: Current city in which the member 35 alphanumeric characters is employed. State/Province: Indicates the state or province in 2 alpha characters or 20 alphanumeric characters which the member was previously NOTE: When the Address Type = Domestic use the State dropdown list. When the Address Type = Foreign, type the employed. province name. Postal Code: Member s current employer zip code. 5 digit postal zip code and 4 digit extension If you do not know the four-digit extension for the Zip Code, type four zeros or leave blank. Page 217 of 424

218 Owner Employer Demographics Field Description Valid Entries/Comments Country Phone: Extension: Mobile: Indicates the country in which the member previously was employed. Member s current work area code and telephone number. Indicates the member s work phone extension number. Member s work cell area code and telephone number. Member s work address. *See the Address Enhancement section for additional details. Valid Values: drop-down list contains all country names NOTE: this field defaults to United States when the Address Type = Domestic and this field is disabled. When the Address Type = Foreign, then you may select a country name from the drop-down list. 10 digits It is not necessary to enter any hyphens - or parentheses ( ) between the numbers. The system will automatically place parentheses around the area code and a hyphen between the prefix and suffix, i.e., (555) digits 10 digits It is not necessary to enter any hyphens - or parentheses ( ) between the numbers. The system will automatically place parentheses around the area code and a hyphen between the prefix and suffix, i.e., (555) alphanumeric characters Ensure at least/only one At exists and such as ipower@epl.net Ensure consecutive Periods. do not exist such as ipower..@epl.net Ensure no empty spaces exist such as ipower ipower@epl.net The period. when entered before the At cannot be next to such as ipower.@epl.net. Please note that s such as ipower.ipower@epl.net will be permitted. TIP: You may click on the Save button and bypass the Previous Employment, Temporary Mailing and Identification screens. (8) From the Employment tab, click on the Next button, the Previous Employment screen is displayed. If you continue clicking on the Next button, you will advance to the Temporary Mailing screen. TIP: You may also navigate to the Home, Previous Home, Employment, Previous Employment, Temporary Mailing and Identification tabs by clicking on the tabs rather than using the Next button. Page 218 of 424

219 Previous Employment The Previous Employment screen displays: (9) Click on the Modify button to file maintain any fields on the Previous Employment screen. Owner Previous Employment Field Description Valid Entries/Comments Employer: Address Type: Address 1: Indicates the member s previous employer name. Indicates whether the member address is domestic or foreign. Indicates the address of the member s previous employer. 25 alphanumeric characters Valid Values: Domestic Foreign 35 alphanumeric characters Address 2: Continuation of Address alphanumeric characters City: Indicates City in which the member was previously employed. 35 alphanumeric characters State/Province: Postal Code: Country Indicates the state or province in which the member previously resided. Indicates the member s previous employer zip code. Indicates the country in which the member previous employer resided. 2 alpha characters or 20 alphanumeric characters NOTE: When the Address Type = Domestic use the State dropdown list. When the Address Type = Foreign, type the province name. 5 digit postal zip code and 4 digit extension If you do not know the four-digit extension for the Zip Code, type four zeros or leave blank. Valid Values: drop-down list contains all country names NOTE: this field defaults to United States when the Address Type = Domestic and this field is disabled. When the Address Type = Foreign, then you may select a country name from the drop-down list. Page 219 of 424

220 Owner Previous Employment Field Description Valid Entries/Comments How Long Years: Months: Number of years the member was employed. Number of months the member was employed. Valid Values: 1 99 Valid Values: 0 11 TIP: You may click on the Save button and bypass the Previous Employment, Temporary Mailing and Identification screens. (10) From the Previous Employment tab, click on the Next button, the Temporary Mailing screen is displayed. If you continue clicking on the Next button, you will advance to the Identification screen. TIP: You may also navigate to the Home, Previous Home, Employment, Previous Employment, Temporary Mailing and Identification tabs by clicking on the tabs rather than using the Next button. Temporary Mailing The Temporary Mailing screen displays: (11) Click on the Modify button to file maintain any fields on the Temporary Mailing screen. Page 220 of 424

221 Owner Temporary Mailing Field Description Valid Entries/Comments Address Type: Address 1: Indicates whether the temporary mailing address is domestic or foreign. Indicates the temporary mailing address of the member. Valid Values: Domestic Foreign 35 alphanumeric characters Address 2: Continuation of Address alphanumeric characters City: Indicates the temporary mailing 35 alphanumeric characters city of the member. State/Province: Indicates the temporary mailing state or province of the member. 2 alpha characters or 20 alphanumeric characters NOTE: When the Address Type = Domestic use the State dropdown list. When the Address Type = Foreign, type the province name. Postal Code: County: Country Phone: Start Date: End Date: Never Expire: Indicates the temporary mailing postal code of the member. County in which the member currently resides. Indicates the temporary mailing country of the member. Indicates the temporary mailing telephone number. Indicates the start date when all mailings are sent to the temporary mailing address. Indicates the end date when all mailings are sent to the Home or Work mailing address. Indicates that the temporary mailing address will be used for all mailings and statements. 5 digit postal zip code and 4 digit extension If you do not know the four-digit extension for the Zip Code, type four zeros or leave blank. 20 alphanumeric characters NOTE: when the Address Type = Foreign, this field is disabled. Valid Values: drop-down list contains all country names NOTE: this field defaults to United States when the Address Type = Domestic and this field is disabled. When the Address Type = Foreign, then you may select a country name from the drop-down list. 10 digits It is not necessary to enter any hyphens - or parentheses ( ) between the numbers. The system will automatically place parentheses around the area code and a hyphen between the prefix and suffix, i.e., (555) Non-maintainable from this screen mmddccyy format Non-maintainable from this screen mmddccyy format Non-maintainable from this screen Valid Values: Check box format Unchecked = Expires or not used Checked = Never Expire TIP: You may click on the Save button and bypass the Temporary Mailing and Identification screens. (12) From the Temporary Mailing tab, click on the Next button, the Identification screen is displayed. TIP: You may also navigate to the Home, Previous Home, Employment, Previous Employment, Temporary Mailing and Identification tabs by clicking on the tabs rather than using the Next button. Page 221 of 424

222 Identification The Identification screen displays: (13) Click on the Modify button to file maintain any fields on the Identification screen. Maintain Applicant Identification Identification 1 Field Description Valid Entries/Comments Documentary Flag: ID Type: ID Description: ID Number: ID Issuance Date: Indicates the type of identification the member presents. Indicates additional information regarding the identification the member presented. Indicates the identification number of the type of ID the member presented. Indicates the date the ID was issued. Valid Values: Documentary Identification Non- Documentary Identification Valid Values: Foreign Government Issued ID Foreign Passport Known Existing Member Military ID Card Resident Alien Card State ID Card Unknown US Passport 25 alphanumeric characters 30 alphanumeric characters Mmddccyy format Page 222 of 424

223 Maintain Applicant Identification Identification 1 Field Description Valid Entries/Comments ID Expiration Date: ID Verification Date: Maintain Applicant Identification Identification 2 Indicates the date the ID will expire. Indicates the date the credit union verified this ID. Mmddccyy format Mmddccyy format Field Description Valid Entries/Comments Documentary Flag: ID Type: ID Description: ID Number: ID Issuance Date: ID Expiration Date: ID Verification Date: Indicates the type of identification the member presents. Indicates additional information regarding the identification the member presented. Indicates the identification number of the type of ID the member presented. Indicates the date the ID was issued. Indicates the date the ID will expire. Indicates the date the credit union verified this ID. Valid Values: Documentary Identification Non- Documentary Identification Valid Values: Foreign Government Issued ID Foreign Passport Known Existing Member Military ID Card Resident Alien Card State ID Card Unknown US Passport 25 alphanumeric characters 30 alphanumeric characters Mmddccyy format Mmddccyy format Mmddccyy format Page 223 of 424

224 Maintain Applicant Identification Identification 3 Field Description Valid Entries/Comments Documentary Flag: ID Type: ID Description: ID Number: ID Issuance Date: ID Expiration Date: ID Verification Date: Indicates the type of identification the member presents. Indicates additional information regarding the identification the member presented. Indicates the identification number of the type of ID the member presented. Indicates the date the ID was issued. Indicates the date the ID will expire. Indicates the date the credit union verified this ID. Valid Values: Documentary Identification Non- Documentary Identification Valid Values: Foreign Government Issued ID Foreign Passport Known Existing Member Military ID Card Resident Alien Card State ID Card Unknown US Passport 25 alphanumeric characters 30 alphanumeric characters Mmddccyy format Mmddccyy format Mmddccyy format (14) Click on the Save button to update all file maintained fields. (15) Click on the Cancel button to return to the Owners screen. (16) Click on the Done button to return to the Account Profile screen. ~end~ Page 224 of 424

225 Warnings and Locks Use the following procedure to view, set, or remove a lock or warning flag on the individual consumer loan or on the share account which in turn locks all associated suffixes. Both share lock and warning codes display on all monetary screens and on the Account Profile screen, however the individual consumer loan locks and warnings are accessed via the consumer loan suffix drop-down list. A warning code alerts you to an exception condition. It does not prevent transactions. A lock code prevents over-the-counter financial transactions from being posted to the share account and all associated suffixes. It will not prevent service charges or payroll postings. Warnings and Locks are credit union defined, however, the Lock codes have specified system interpreted values and Warnings have system-generated codes/descriptions that are not file maintainable. Please refer to the Customizing i- POWER Settings Guide for detailed information on the setup and maintenance of these fields for all types of suffixes. Share Locks Values System Interpreted Values must be removed by Supervisor with file maintenance before transaction can post require supervisor override for any withdrawals or paid out transactions on the account but no restraints for payments or deposits (paid in) require supervisor override for any transactions including paid in and paid out Share Warnings Number Description 1 Missing Members name and address 2 Share withdrawals in the current month (MTD) exceed the maximum number of share withdrawals allowed 4 Missing new account file maintenance (birth date, SSN, ownership code) 5 Combination of warning flags 1 and No date of birth 11 Combination of warning flags 1 and Frozen share pledge amount Consumer Loan Locks Values System Interpreted Values Credit Union Defined Descriptions No monetary transactions allowed until the lock is removed. 80 New loan file maintenance has not been completed Credit Union Defined Descriptions No monetary transactions allowed until the lock is removed. Consumer Loan Warnings Number Description 1 Missing name and address 4 Missing new account file maintenance (birth date, SSN, ownership code, etc.) 5 Combination of warnings 1 and 4 8 Balance of loan exceeds line of credit amount 9 Delinquent loan 2-3 Credit Union Defined Descriptions 6-7 Credit Union Defined Descriptions Credit Union Defined Descriptions Page 225 of 424

226 The Account Profile screen displays: (1) Click on the consumer loan Suffix # drop-down list and select Warnings and Locks. The Warnings and Locks screen displays: (2) To set or remove a lock or warning from the consumer loan account, click on the Modify button. Page 226 of 424

227 Warnings and Locks Field Description Valid Entries/Comments Loan Locks: Indicates the lockout in effect on the loan, which in turn prohibits all transactions from processing. If no lockout is in effect, any share lockout will reflect on the loan transactions. Valid Values: Loan Warnings: Indicates the warning in effect on the loan to alert the teller of conditions, which exist on the account. Transactions will be processed but the teller should respond to the warning. If no warning is in effect, any share lockout will reflect on the loan transactions Credit Union Defined Descriptions No monetary transactions allowed until the lock is removed. 80 New loan file maintenance has not been completed Credit Union Defined Descriptions No monetary transactions allowed until the lock is removed. Data Base Field Name LN-LOCKS Valid Values: 01 Missing name and address 04 Missing new account file maintenance such as birthdate, social security number, ownership code, etc. 05 Combination of warnings 01 and Balance of loan exceeds line of credit amount. 09 Delinquent loan. 2-3 Credit Union Defined Descriptions 6-7 Credit Union Defined Descriptions Credit Union Defined Descriptions If multiple warnings apply, the order of priority is: 1 st warning flag 08, 2 nd warning flag 09, and 3 rd any manual warning flag. Any other warnings are user defined and maintained. Data Base Field Name LN-WARNINGS The Warnings and Locks screen displays: (3) Click on the Locks or Warnings drop-down list and select the appropriate code/description. If you are removing a lock or warning, select no lock or no warning--. Page 227 of 424

228 The Warnings and Locks screen displays: The Warnings and Locks screen displays: (4) Click on the Save button when completed or cancel to return to the Account Profile screen. The Cancel button does not save changes. ~end~ Page 228 of 424

229 Consumer Loan Future Payoff Viewing and Printing Loan Payoff Information The Account Profile screen displays: (1) Click on the consumer loan Suffix # drop-down list and select Consumer Loan Future Payoff. The Consumer Loan Future Payoff screen displays: (2) Enter the date you want the system to calculate the future payoff to and click on the Go button. Page 229 of 424

230 The Consumer Loan Future Payoff screen displays: (3) To print this information, click on the Print button. The Adobe Reader window displays: (4) Click on the Print icon to advance to the Print dialog box. Page 230 of 424

231 The Print dialog box displays: (5) Click on the OK button to send the document to the laser printer. The Adobe Reader window displays: (6) To close the window and return to the Maintenance History screen, click on the button located in the upper right corner of the window. Page 231 of 424

232 The Consumer Loan Future Payoff screen displays: (7) Click on the Done button to return to the Account Profile screen. ~end~ Page 232 of 424

233 General Loan Information The Account Profile screen displays: (1) Click on the consumer loan Suffix # drop-down list and select General Loan Info. Page 233 of 424

234 The Consumer Loan Maintenance screen displays: (2) Click on the Modify button. You may have to scroll to the bottom of the screen to click on the Modify button. ***Note: Several fields are available for maintenance on both the General Loan Info screen and the Perform Subsequent Action screen: Date Next Payment, Late Charge Date, Payment Amount, Payment Frequency, Interest Rate, Product Class, Collateral Code, Type Code, LOC Amount, and LOC Expiration Date a. Changes to any of these fields are only considered part of a Subsequent Action transaction if performed from the Perform Subsequent Action screen. Therefore, changes to any of these fields from the General Loan Info screen will be recorded in normal File Maintenance history, but not in Subsequent Action history. b. An override [IP-EXCEPTION-FLAG 631] is available for changing certain key Subsequent Action fields from the General Loan Info screen. If desired, this override can be set to a level high enough to force the user to use the Subsequent Action transaction. Any modifications to the fields mentioned above from the General Loan Info screen will invoke the override. c. The following fields will not require an override for modifications from the General Loan Info screen: 1. Product Class 2. Collateral Code 3. Type Code Page 234 of 424

235 Consumer Loan Maintenance Loan Information Consumer Loan Maintenance Loan Information Field Description Valid Entries/Comments Account Description: Loan Amount: Original APR: Original Loan Date: Term: Maturity Date: Add On Amount: Collateral Code: Indicates the description of the loan. This description is printed on the member s statement next to the suffix number. Indicates the original loan amount (for both close and open-ended loans) or the highest balance of an openended loan. Indicates the APR charged at the inception of this loan. Indicates the date the loan was opened. Indicates the term, or the total number of payments on a loan. Indicates the date that the loan will be matured (paid in full). Indicates the amount of the most recent add-on made during the term of the loan. This field is also updated at the time a new loan is disbursed. Indicates the numeric code to describe the collateral of the loan. 25 alphanumeric characters Data Base Field Name: LN-COLL-DESC Monetary format Data Base Field Name: LN-LOAN-AMT Percentage format Data Base Field Name: LN-ORG-APR / LN- ANNUAL/RATE Mmddccyy format Data Base Field Name: LN-LOAN-DT 3 digits Data Base Field Name: LN-TERM Mmddccyy format Data Base Field Name: LN-MATURITY-DT Monetary format Data Base Field Name: LN-ADDON-AMT 3 digits Open-end loans with credit limits are based on the IPB high and low Collateral Codes. Other valid entries are: 000, = student loan 092, 093, 095,099 = fully secured share (00 trailer on same account as loan) You may, however, define additional values as long as they do not conflict with the above values. If you use collateral code 33, the system will reduce the shares pledged by the principal amount of the loan payment. For codes 092, 093, 095, and 099, the pledged share amount can be reduced automatically by the principal amount of the payment that is, the amount of share pledged would continually decrease, and the amount of share available to the member would continually increase by the amount of the principal after each payment. If you use any of these codes, you must also complete the cross-pledge area of the screen. Please refer to the Consumer Loan System Codes section of this document for detailed information on the setup and maintenance of these codes. Data Base Field Name: LN-LOAN-COLL Page 235 of 424

236 Type Code: Class: Member Business Loan Loan Reference Balance: Statement Balance: Note Number: Officer: N Cash Check: Loan Status: Indicates the numeric code to describe the type of the loan. Codes 001 through 999 are available and user-defined with the exception of the following which activate special functions within the system: Indicates the loan class used for this loan. This field indicates whether the mortgage loan is a Member Business Loan (MBL). Indicates the payoff balance of the loan at the time the loan was refinanced. Indicates the loan balance at the time the last statement was printed. This field is used to verify that all transactions for the loan are present when the statements were run. Indicates the note number assigned to the loan by the credit union. Indicates the user defined loan officer code. Indicates the outstanding rite-on-line amount of checks not cashed at the present time. Indicates the status of the loan. 3 digits Valid Values: Code 075 has been hard-coded for real-estate loans. If you use this code and the interest is greater than $599.99, it will be reported on a 1098 form. Codes 060 through 069 have been hard-coded for student loans. If you typed 000 or a code between 060 and 069 in the COLLATERAL field, the loan type code must also be designated for student loans ( ). You may define additional values as long as they do not conflict with the above values. Please refer to the Consumer Loan System Codes section of this document for detailed information on the setup and maintenance of these codes. Data Base Field Name: LN-LOAN-TYPE 3 digits Data Base Field Name: LN-ID / LN-VRL-CLASS Valid Values: Yes No Monetary format Data Base Field Name: LN-RF-BAL Monetary format Data Base Field Name: LN-STMT-BAL 6 alphanumeric characters entry is optional Data Base Field Name: LN-NOTE-NR Valid Values: CU Defined Descriptions Please refer to the Consumer Loan System Codes section of this document for detailed information on the setup and maintenance of these codes. Data Base Field Name: LN-OFFICER Monetary format Data Base Field Name: LN-NON-CSHD-CHKS Valid Values: 0 9 CU Defined Descriptions NOTE: this is not updated by the system and must be manually maintained.. Please refer to the Consumer Loan System Codes section of this document for detailed information on the setup and maintenance of these codes. Data Base Field Name: LN-STATUS Page 236 of 424

237 Date First Payment: Dealer: Date Closed: Add On Date: Create 1098 Form? Government Backed Participation Loan Participation Percent Last File Maintenance Date: Indicates the date that the first payment is due. Mainly used for payroll payment loans. If payroll posting date is prior to the next payment date, the posting date must be file maintained in this field in order for the system to accept a loan payment at payroll posting. The day portion of this field is also utilized for establishing the next payment due date for new and/or zero balance loans awaiting overdraft. Indicates the code and dealer name associated with this loan. Indicates the date the loan was paid off and closed. Indicates the date of the last add-on to the loan. This field is also updated at the time a new loan is disbursed or an existing loan is refinanced. Indicates whether a 1098 form will be required for this loan. This field indicates if the loan is Government Backed. This field indicates if the loan is a Participation Loan. This field indicates the percent of the Participation Loan that is owned. Only when the Participation Loan field is marked Yes, will the Participation Percent field be enabled or input. The Participation Percent is a required field if Participation Loan is marked Yes. Indicates the date file maintenance was done on the Loan Maintenance screen. Mmddccyy format Data Base Field Name: LN-DT-FIRST-PYMT Valid Values: CU Defined Please refer to the Manage Dealers section of this document for detailed information on the setup and maintenance of these codes Data Base Field Name: LN-DEALER-ID mmddccyy format NOTE: If an open-end loan has no balance and you want to close it, you must manually enter a date here to close the loan or to allow closing of the share account. Data Base Field Name: LN-DT-CLOSED Mmddccyy format Data Base Field Name: LN-ADDON-DT Valid options: No - (Default) Yes Valid options: No - No, this is not Government Backed (Default) Yes - Yes, this is Government Backed Valid options: No - No, this is not a Participation Loan (Default) Yes - Yes, this is a Participation Loan Field size 5, default = ) Mmddccyy format Data Base Field Name: Page 237 of 424

238 Payment Information Consumer Loan Maintenance Payment Information Field Description Valid Entries/Comments Payment Calculation Method: Indicates method by which the payment should be calculated. Valid Values: 0 Standard Payment Calculation 1 Payment Based on Pmt Table Criteria The collateral code must fall between the high and low limits defined in your credit union s IPB file. Used for open-end line-of-credit loans only (excludes loandrafts and overdraft accounts). If 1 is selected, the payment is adjusted automatically when an add-on occurs. If the new balance requires a larger payment, the system automatically increases the payment amount due. If the current payment amount is larger than the balance requires, entering true in the Lower Payment field of the Perform Loan Advance screen causes the system to refer to the Loan Payment Table for a new payment amount. Please refer to the LOC Payment Table section of this document for detailed information on the setup and maintenance of this table. Data Base Field Name: LN-PMT-CACL-MTH Page 238 of 424

239 Consumer Loan Maintenance Payment Information Field Description Valid Entries/Comments Payment Method: Indicates the method by which loan payments will be made. Valid Values: 0 Dividend Loan Payment (Code not currently supported by EPL) 2 Cash Loan Payment 5 Payroll Loan Payment If the ADV DAYS field in your IPB is set, the system will not advance the loan s next payment due date beyond the specified advance days. 6 Payroll Loan Payment (Code not currently supported by EPL) 7 Payoff at CD Maturity If the payoff is by certificate at its maturity. The loan must be cross-pledged to the certificate. When the certificate matures, the system will check to see if a loan has been cross-pledged against it. If so, the system checks the entry in this field. If the value in the field is 7, the system will perform the following transactions on the day the certificate matures: 1. Pay the interest to the certificate. 2. Transfer the new certificate balance to the loan trailer. If the proceeds from the certificate are not enough to completely pay off the loan, the system applies all available proceeds against the loan and prints this account on the Exception Report so that your credit union can take steps to collect the remaining balance. If the balance in the certificate is greater than the payoff amount, the remaining funds will be handled according to the instructions specified by the maturity option set up in the certificate record 8 ODA Loan (overdraft account) (Code not currently supported by EPL) 9 Transfer for Payment Data Base Field Name: LN-PYMT-METHOD. Page 239 of 424

240 Consumer Loan Maintenance Payment Information Field Description Valid Entries/Comments Payment Frequency: Indicates how often payments are scheduled to be made on this loan. Valid Values: 01 Annual /One payment a year on a specified day. 02 Semi-annual/Is set according to the first payment date and then 6 months later and remains the same every year. 04 Quarterly 12 Monthly Payments 24 Semi-monthly/is every 15 days regardless of the first payment date. If the first pmt is 1/5 the next is 1/20, from that point on, the payments for the subsequent months will be 2/5 & 2/20, 3/5 & 3/20, and so on. When one of the payments are the last day of the month, it will always be the last day of the month, regardless if it is the 30 th, 31 st or 28 th, it will always be the last day of the month. 25 Bi-weekly/Works like the every 14 days, except that the 3 rd payday of any month is always skipped when resetting the next payment date. There are 2 months of the year that will have 3 pay days when using the every 14 day frequency and some companies do not take any distribution on that 3 rd check. These paychecks are referred to a free check. 26 Every 14 days/is just that, based on the first payment date, is due every 14 days, which is on the same day of every week 52 Weekly 99 Single Payment NOTE: For a monthly frequency loan, if the payment date is changed after the initial set up, the First Payment Date must also be changed. Our system uses the DAY of the first payment date to set the Next Payment Date. This is also true for the Annual frequency. For example: if a member decides they want their payments due on the 15 th rather than the 10 th of the month, when the Next Payment Date is file maintained to the 15 th of the month, they must also set the First Payment Day if not, after that payment is made, the system will look at the First Payment date to set the next, if it is not changed at the same time, it will revert back to the 10 th of the month. Data Base Field Name: LN-PAY-FREQ Page 240 of 424

241 Consumer Loan Maintenance Payment Information Field Description Valid Entries/Comments Date Next Payment: Payment Amount: Alternate Payment Amount: Partial Payment Amount: Indicates the date the next payment is due. Indicates the scheduled payment amount per frequency. Indicates the payment amount the member will pay for a period of time that is different from the scheduled amount. Consumer Loan Accounts: Indicates any partial payments credited against the loan balance. When this field equals or exceeds the scheduled payment, the due date will roll forward one payment cycle. Loandraft Accounts: This is the amount of the last partial payment made on the loan. mmddccyy format The next due date remains the same until the entire scheduled payment amount has been posted. Data Base Field Name:LN-DT-NXT-PYMT monetary format Cannot be 0 for open-end or loandrafts. Round up to whole dollars for loandrafts Data Base Field Name: LN-PYMT-AMT monetary format If a member needs to pay a different payment amount from the scheduled payment amount for a period of time, enter that amount in this field. Once the member is ready to resume the original payment amount, file-maintain this field to zero. As long as an amount greater than zero appears in this field, the system will track the loan by that amount, overriding whatever amount appears in the Payment Amount field. When an alternate payment is being used, the letter A appears next to the payment amount field on the Account Profile screen. Data Base Field Name: LN-ALT-PYMT-AMT monetary format Consumer loan accounts: When the full payment amount has been reached, the amount in the field returns to zero. Thus, this field is useful in determining loan status, and is also used in i- POWER s delinquency calculation and reporting. Loandraft accounts: For example, if the payment due on a loan is $ and the field currently shows $50.00, it means the last partial payment on the loan was $ If the member pays an additional $75.00 toward the loan, the field will show $75.00 (the last payment amount), not $ (the total of all partial payments so far). This field is not used in the delinquency calculation of loandraft accounts; if you want to review the status of a loandraft, refer to the Loandraft Delinquency Inquiry screen. Data Base Field Name: LN-PART-PYMT Page 241 of 424

242 Consumer Loan Maintenance Payment Information Field Description Valid Entries/Comments Number of Payments Made: Last Payment Adjustment Date: Last Payment Commit Date: Balloon Amount: Balloon Date: Months to Skip Payments (Choose up to 4) January February March April May June Indicates the number of payments made during the life of this loan. Indicates the date of last payment adjustment. Indicates the adjusted payment commitment date. Indicates the original amount of the balloon loan. Indicates the date the balloon loan matures (maturity or expiration date). Indicates months the member has arranged to skip payment(s). 3 digits Data Base Field Name: LN-NR-PYMTS-MADE mmddccyy format mmddccyy format Data Base Field Name: LN-PMT-COMMIT-DT monetary format mmddccyy format For example, if the member wishes to skip June, July, and August, you would click in the check box of the months June, July and August. NOTE: The interest continues to accrue and the due date is advanced to the month following the skipped period. Data Base Field Name: LN-DETAIL-SKIP-MO Check box format Valid Values: Unchecked = No Checked = Yes, skip this month Check box format Valid Values: Unchecked = No Checked = Yes, skip this month Check box format Valid Values: Unchecked = No Checked = Yes, skip this month Check box format Valid Values: Unchecked = No Checked = Yes, skip this month Check box format Valid Values: Unchecked = No Checked = Yes, skip this month Check box format Valid Values: Unchecked = No Checked = Yes, skip this month Page 242 of 424

243 Consumer Loan Maintenance Payment Information Field Description Valid Entries/Comments July Check box format Valid Values: Unchecked = No Checked = Yes, skip this month August Check box format Valid Values: Unchecked = No Checked = Yes, skip this month September Check box format Valid Values: Unchecked = No Checked = Yes, skip this month October Check box format Valid Values: Unchecked = No Checked = Yes, skip this month November Check box format Valid Values: Unchecked = No Checked = Yes, skip this month December Check box format Valid Values: Unchecked = No Checked = Yes, skip this month Page 243 of 424

244 Interest Consumer Loan Maintenance Interest Field Description Valid Entries/Comments Interest Rate: Interest Date: Unpaid Interest: Interest Reimbursed: One Day s Interest: Daily Rate Factor: Current Year Interest: Prior Year Interest: Interest Life: Points: Indicates the interest rate used for the loan. Indicates the date through which interest on the loan has been accrued; usually last transaction date. Any interest unpaid as of this date will be stored in the Unpaid Interest field. Indicates any interest accrued but not paid as of the last interest date. Any loan transaction that does not satisfy interest due (add-ons, short payments, reversals, interest decrease, etc.) will cause this field to be affected. Negative amount is an interest credit to the loan. Indicates the total amount of interest reimbursed for the prior year. Indicates the interest amount due on any one day. Indicates the daily interest rate for this loan. Indicates the year to date interest paid on the loan. Indicates the total amount of interest paid for the prior year Indicates the loan to date interest paid on the loan. This is known as the amount of interest paid during the life of the loan. Indicates the amount of points to be charged to the member at the time of closing of the loan. This amount will be reported on the 1098 forms at end of year. percentage format Data Base Field Name: LN-LN-INT-RATE mmddccyy format Interest is accrued from the date shown in this field to the current date. Data Base Field Name: LN-INT-DT monetary format NOTE: When payments are current, this field will contain zeroes. Data Base Field Name: LN-UNPAID-INT monetary format Reported on the IRS 1098 form. Includes all accounts with reimbursed interest of $ or more, or all loans with year-todate interest of $ or more. Data Base Field Name: LN-INT-REIMBURSED monetary format The system multiplies the annual interest rate by the principal balance and then divides the result by 365. percentage format monetary format Included in the (MA-YTD-INT) field. Data Base Field Name: LN-YTD-INT monetary format Reported on the 1098 form. Data Base Field Name: LN-PRIOR-YR-INT monetary format Data Base Field Name: LN-LTD-INT monetary format Data Base Field Name: LN-POINTS Page 244 of 424

245 Adjustment Options Consumer Loan Maintenance Adjustment Options Field Description Valid Entries/Comments Interest Adjustment Date: Payment Adjustment Date: Margin: Cap Sign: Term Cap: Commit Rate: Indicates the date of the next variable rate loan interest adjustment. Indicates the date of the next variable rate loan payment adjustment. Indicates the difference between the user rate index and actual interest rate of the loan (APR) Indicates how adjustments are allowed. Indicates the maximum interest rate that a variable-rate loan can adjust (up or down) over a given term. Indicates the interest rate committed to the member to go into effect on the next interest adjustment date. mmddccyy format FOR VARIABLE-RATE CONSUMER LOANS ONLY Data Base Field Name: LN-VRL-NX-INT-ADJ mmddccyy format Type an entry in this field only if you want the payment to be adjusted on a specific date. The system calculates and inserts a date in this field if 2 is entered in the payment adjustment option field in the loan class record. The value 2 indicates that the payment is to be adjusted without extending the maturity date of the loan. FOR VARIABLE-RATE CONSUMER LOANS ONLY Data Base Field Name: LN-VRL-NX-PMT-ADJ percentage format FOR VARIABLE-RATE CONSUMER LOANS ONLY Data Base Field Name: LN-VRL-MARGIN Valid Values: 0 = Plus or Minus adjustments allowed 1 = Plus only adjustments allowed FOR VARIABLE-RATE CONSUMER LOANS ONLY Data Base Field Name: LN-CAP-SIGN-CD percentage format FOR VARIABLE-RATE CONSUMER LOANS ONLY Data Base Field Name: LN-ADJ-APR-YTD percentage format Used with variable-rate loans when an entry has been made in the pre adjust days field in the loan class record. If the rate adjustment option field in the loan class record is set to zero, or if this loan has a fixed interest rate, this field will show zeroes. If committing a new rate, this field will show zeroes up to the date notices are sent announcing the new rate, and then again after that rate becomes effective (that is, when the interest adjustment date is reached). Thus, the only time you will see an interest rate in this field is during the period between the notification of members and the actual date the new rate becomes effective. FOR VARIABLE-RATE CONSUMER LOANS ONLY Data Base Field Name: LN-COMMIT-APR Page 245 of 424

246 Consumer Loan Maintenance Adjustment Options Field Description Valid Entries/Comments Commit Principal/Interest Payment: Cap Code: Life Cap: Floor Rate: Indicates the adjusted payment commitment amount. Indicates if and how caps are used for this loan. Indicates the maximum interest rate that a variable-rate loan can adjust from the original rate over the life of the loan. Indicates the minimum APR that can be charged for this loan. monetary format Used with closed-end variable-rate loans when an entry has been made in the pre adjust days field and 2 is entered in the payment adjustment option field in the loan class record. The system calculates and inserts the new payment amount after the next payment adjustment goes into effect (unless the loan is delinquent). This amount appears only during the period from the day notices are generated to the date the payment becomes effective. At all other times, zeroes are displayed in this field. FOR VARIABLE-RATE CONSUMER LOANS ONLY Data Base Field Name: LN-COMMIT-PYMT Valid Values: 0 = Caps not used 1 = Use life cap only 2 = Use term cap only 3 = Use life and term caps FOR VARIABLE-RATE CONSUMER LOANS ONLY Data Base Field Name: LN-CAP-CD percentage format FOR VARIABLE-RATE CONSUMER LOANS ONLY Data Base Field Name: LN-CAP-LIFE / LN-ADJ-APR-LIFE percentage format FOR VARIABLE-RATE CONSUMER LOANS ONLY Data Base Field Name: LN-FLOOR-RATE Page 246 of 424

247 Line of Credit Consumer Loan Maintenance Line of Credit Field Description Valid Entries/Comments Line of Credit Limit: Available Line of Credit: Line of Credit Expiration Date (mmddccyy): Indicates the line of credit amount associated with the loan. This amount could possibly increase or require supervisor override to bypass this amount if a loan addon results in the balance being greater than this amount. Indicates the amount available based on the current balance and the LOC limit. Indicates the line of credit expiration date. CU maintains for inquiry purposes only; no system updates. monetary format whole dollars Data Base Field Name: LN-LOC-AMT monetary format Data Base Field Name: this is a calculated field and not stored in the database. mmddccyy format Data Base Field Name: LN-LOC-EXPIRE-DT Page 247 of 424

248 Insurance Consumer Loan Maintenance Insurance Field Description Valid Entries/Comments Insurance Code: Tape Insurance: Unpaid Insurance: Insurance Amount: Indicates the insurance rate code. This field (code) is used for credit life insurance taken out of the loan payments or used to add on the premium amount to the loan in an offline mode. Indicates the user-defined insurance code. Field is also used to identify those members participating in a user specified insurance program. There is an i- POWER program available which produces a tape of all loans with a Tape Insurance field > 0. Indicates any insurance accrued but not paid when insurance is taken out of every payment. Indicates the amount of the last payment that was applied to the insurance and/or late charge portions of the loan. Valid Values: System Defined 0 No Insurance 1 Single Credit Life 2 Disability 3 Single Credit Life and Disability 4 Joint Credit Life 5 Joint Credit Life and Disability CU Defined 6 99 CU Defined Descriptions Please refer to the Consumer Loan System Codes section of this document for detailed information on the setup and maintenance of these codes. Data Base Field Name: LN-INSURANCE-CODE Valid Values: CU Defined Descriptions (VCI122, VCI129, & VCI130) Please refer to the Consumer Loan System Codes section of this document for detailed information on the setup and maintenance of these codes. Data Base Field Name: LN-DIS-INS-CODE monetary format Data Base Field Name: LN-UNPD-INSURANCE monetary format Page 248 of 424

249 Late Charge Consumer Loan Maintenance Late Charge Field Description Valid Entries/Comments Late Charge Code: Late Charge Date: Unpaid Late Charge: Assessed Late Charge: Indicates if and how late charges are calculated. Indicates the late charge date. This field is used to aid in determining the correct number of payments subject to late charges. Indicates any late charges accrued but not paid. Any late charges due but not paid as of the last interest date when the late charges are calculated as a percent of the interest due. Any loan transaction that does not satisfy late charge amount due (add-on, short payments, reversals, etc.) will cause this field to be updated. This field will be the late charge assessed and control the minimum/maximum late charge assess for the current scheduled payment Valid Values: 0 No Late Charge 1 Computed on Interest Due 2 Percentage of Unpaid Payment (All Loans) 3 Fixed Amount per Payment (will only display for mortgage loans) 4 Scheduled Payment less Partial Payment 5 Percentage of Unpaid Payment (This Loan) 7 Scheduled Payment Diff Min/Max mmddccyy format An example is if a member is 3 months delinquent and an amount equal to one payment is made, the system will assess 3 late charges. In this case, the date of next payment will be advanced 1 frequency while the late charge date will be advanced by 3 frequencies. If a payment is made on time the next month, late charges will not be assessed, as the late charges applicable are current. * Same value as in the Date Next Payment field Data Base Field Name: LN-LATE-CHG-DT monetary format Data Base Field Name: LN-UNPD-LATE-CHG monetary format It will be reset to zero each time a full scheduled payment has been received. If no minimum/maximum is used, this field will have no effect on how late charges are calculated. This is mainly used when the credit union uses the percent of interest late charge calculation. Data Base Field Name: Page 249 of 424

250 Delinquency Consumer Loan Maintenance Delinquency Field Description Valid Entries/Comments Charge Off: Modified Loan Charge Off Date Modified Date Delinquency Status: Indicates that the loan balance has been charged off to recover deficiency balances. The Modified Loan field indicates if the loan is a modified loan. Indicates that the loan balance has been charged off to recover deficiency balances. The Modified Date field indicates the date the loan was last modified. Only when the field Modified Loan is marked Yes, will the fields Modified Date and Modified Balance be available for input. Modified Date and Modified Balance will be required fields if Modified Loan is marked Yes. An error message will be displayed if an attempt is made to save the modifications without input in the Modified Date and Modified Balance fields. Indicates the delinquent status of the loan. Valid Values: 0 - Not Charged Off 1 - Charged Off (all payments will be applied to the principal balance of the loan) This code differs from the bankruptcy code found in the member s share record. The code in this field specifies that the loan has been charged off, but not necessarily because of bankruptcy. NOTE: You must specify in your IPB whether maintenance is allowed in this field Ch Off FM IP-LN-CHG-OFF-FM). Boolean Data Base Field Name: LN-CHG-OFF Valid options: No - No, this is not a Modified Loan (Default) Yes - Yes, this is a Modified Loan Mmddccyy format Field is only enabled if Charge Off field is set to 1. The default value is 00/00/ digits Valid Values: 0 99 CU Defined Descriptions Please refer to the Consumer Loan System Codes section of this document for detailed information on the setup and maintenance of these codes. Data Base Field Name: LN-DELQ-STATUS Page 250 of 424

251 Modified Balance Delinquency Notice: Risk Rating Date Risk Rated The Modified Balance field indicates the balance of the loan at the time it was last modified. Only when the field Modified Loan is marked Yes, will the fields Modified Date and Modified Balance be available for input. Modified Date and Modified Balance will be required fields if Modified Loan is marked Yes. An error message will be displayed if an attempt is made to save the modifications without input in the Modified Date and Modified Balance fields. Indicates the option for notices and small collection cards. This field applies only to credit unions that normally have more than one card or notice produced for delinquency notification. After the delinquency is cleared with the member, this field will need to be file maintained to 0. The Risk Rating field indicates the risk rating code associated with the loan. The Date Risk Rated field indicates the date the loan was risk rated. The default value is Valid Values: 0 Produce Notice 1 Do Not Produce Notice (VCU600) Data Base Field Name: LN-NO-DELQ-NOTICES The default value is blank (Field Size/Type: 2 alphanumeric) The default value is 00/00/0000. Date of First Delinquency Troubled Debt Only when the Risk Rating field is greater than zero (0), will the Date Risk Rated field be available for input. The Date Risk Rated field will be a required field if the Risk Rating is greater than zero (0). An error message will displayed if an attempt is made to save the modifications without input in the Date Risk Rated field. The Date of First Delinquency field indicates the date the loan was last modified. The Troubled Debt field indicates if the loan is a Troubled Debt (TDR). The default value is 00/00/0000. Valid options: No - No, this is not a Troubled Debt (Default) Yes - Yes, this is a Troubled Debt Page 251 of 424

252 Borrower Consumer Loan Maintenance Borrower Field Description Valid Entries/Comments Residence Code: Indicates the residence code. Valid Values: No Yes Data Base Field Name: ECOA Code: Indicates the assignment of responsibility for this debt. Used for credit bureau reporting. Valid Values: 1 - Individual Acct 2 Joint Contract Responsibility 7 Maker Acct W Business/Commercial NOTE: The joint owner is reported to the credit bureau if you credit union uses credit reporting. Data Base Field Name: LN-LOC-JOINTQWNER Credit Score: Indicates the credit evaluation quotient on the last credit evaluation. 5 digits This field is maintained by the credit union. Data Base Field Name: LN-CEQ Credit Score Date: Indicates the date of last credit evaluation date. mmddccyy format This field is maintained by the credit union. Data Base Field Name: LN-CEQ-DT ~end~ Page 252 of 424

253 FASB 91 Tracking Expense and Income i-power offers the ability to automatically track you credit union s expense and income for each consumer loan over the life of the loan, as required by FASB 91. When you open a new loan, you will enter the total amount of the credit union s expense for the loan in the Original Expense field on the Book Loan screen of LOS, and the total amount of the income to be generated from the loan in the Original Income field on the Book Loan screen of LOS. Upon booking the loan, the system inserts these amounts into the following fields on the Consumer Loan Maintenance screen of the FASB 91 menu option: The Book Loan screen displays: The Consumer Loan Maintenance screen displays: Page 253 of 424

254 Although the values in the Original Expense and Original Income fields on the Consumer Loan Maintenance screen never change (unless you file maintain them), the values in the remaining four fields will change. At the end of the month, the systems uses the following formulas to calculate the new values for these four fields. Unamortized Expense Current UNAMORT EXPENSE Unamortized Income Current UNAMORT EXPENSE Number of months remaining in loan Current Current UNAMORT UNAMORT INCOME INCOME Monthly Expense Monthly Income Number of months remaining in loan Current Number of UNAMORT months remaining EXPENSE in loan Current UNAMORT months remaining INCOME in loan The monthly Loan Income/Expense Amortization Report provides your credit union with the detail needed for general ledger entries, including original expense, monthly amortized expense, remaining amortized expense, original income, monthly amortized income, and remaining amortized income. In addition, the report includes each member s account number and an aggregate total at the end. When a loan is closed, the system reports the remaining amount in the Unamortized Expense and Unamortized Income fields for that month s expenses and income figures. Page 254 of 424

255 If you need to file maintain expense and income information, use the following procedure: The Account Profile screen displays: (1) Click on the consumer loan Suffix # drop-down list and select FASB 91. The Consumer Loan Maintance/FASB 91 screen displays: (2) Click on the Modify button. Page 255 of 424

256 Consumer Loan Maintenance FASB91 Field Description Valid Entries/Comments Original Expense: Original Income: Monthly Expense: Monthly Income: Unamortized Expense: Unamortized Income: Indicates the total credit union expense for the loan. Indicates the total credit union income for the loan. Indicates the expense amortized last month for the loan. Indicates the income amortized last month for the loan. Indicates the remaining unamortized expense for the loan. Indicates the remaining unamortized income for the loan. monetary format Data Base Field Name: LN-TOTAL-EXPENSE monetary format Data Base Field Name: LN-TOTAL-INCOME monetary format Data Base Field Name: LN-LST-MONTH-EXP monetary format Data Base Field Name: LN-LST-MONTH-INC monetary format This amount will decrease monthly since a portion of the original expense is amortized each month (and thus deducted from the total). By the end of the loan, this field will equal zero. Data Base Field Name: LN-UNAMORT-EXP monetary format This amount will decrease monthly since a portion of the original income is amortized each month (and thus deducted from the total). By the end of the loan, this field will equal zero. Data Base Field Name: LN-UNAMORT-INC The Consumer Loan Maintance/FASB91 screen displays: (3) Once all modifications are made, click on the Save button to return to the Account Profile screen. ~end~ Page 256 of 424

257 Rule of 78 The Account Profile screen displays: (1) Click on the consumer loan Suffix # drop-down list and select Rule of 78. The Consumer Loan Maintance/Rule of 78 screen displays: (2) Click on the Modify button. Page 257 of 424

258 Consumer Loan Maintenance Rule of 78 Field Description Valid Entries/Comments Unearned Interest: Unearned Insurance: Indicates the amount of unearned interest. Indicates the amount of unearned insurance. monetary format Not applicable to Maine. monetary format Not applicable to Maine. The Consumer Loan Maintance/Rule of 78 screen displays: (3) Once all modifications are made, click on the Save button. Page 258 of 424

259 (4) Click on the Cancel button to return to the Account Profile screen. ~end~ Page 259 of 424

260 Rate Change History Changes you make with this procedure change only the history of rate changes; they do not physically affect the loan. The Account Profile screen displays: (1) Click on the consumer loan Suffix # drop-down list and select Rate Change History. The Rate Change History List screen displays: (2) Click on the Edit icon view and/or edit the rate change information. Page 260 of 424

261 The Consumer Loan Maintenance/Rate Change History screen displays: (3) Once all modifications are made, click on the Save button. Consumer Loan Maintenance Rate Change History Field Description Valid Entries/Comments Rate Effective From Date: Daily Periodic Rate: Annual Percentage Rate: Last Interest Adjustment Date: Indicates the date the rate change became effective. Indicates the daily interest rate. Indicates the annual interest rate. Indicates the date the interest rate was adjusted. mmddccyy format Data Base Field Name: LAH-EFF-FROM-DT percentage format Data Base Field Name: percentage format Data Base Field Name: LAH-EFFECTIVE-APR read only field mmddccyy format Data Base Field Name: LAH-APR-DT-FM ~end~ Page 261 of 424

262 Student Loan The Account Profile screen displays: (1) Click on the consumer loan Suffix # drop-down list and select Student Loan. The Consumer Loan Maintance/Student Loan screen displays: (2) Click on the Modify button. Page 262 of 424

263 Consumer Loan Maintenance Student Loan Field Description Valid Entries/Comments School Code: Graduation Date: Status Code: State/Federal Code: Commit: Frozen Date: Frozen Balance: Average Daily Balance: Aggregate Date: Indicates the number identifying the school the member attends. Indicates the date the student is scheduled to graduate. Indicates the status of the student loan. Indicates the state or federal indicator for a student loan. Indicates the total approved amount of the student loan. Indicates the date that the student loan was file maintained to a payout (out of school) status. Indicates the current balance (in whole dollars) of the student loan when the loan is file maintained to payout (out of school) status. Indicates the aggregate balance of the loan year to date. This field will be used to calculate an average balance for the year. Indicates the date that the last update to the aggregate balance was done. 6 digits Entry is optional. CU Defined Values Data Base Field Name: mmddccyy format Data Base Field Name: LN-GRADUATION-DT Value Values: System Defined Codes 00 Not a Student Loan 01 Deferment status 02 Payout status (out of school) CU Defined Codes Additional Deferment Status - CU Defined Descriptions Please refer to the Consumer Loan System Codes section of this document for detailed information on the setup and maintenance of these codes. Data Base Field Name: LN-STUDENT-LN-STS Valid Values: System Defined Codes 00 No Student Loan 99 Federal Insured Student Loan CU Defined Codes State Insured Student Loan-CU Defined Descriptions CU Defined Codes/Descriptions Please refer to the Consumer Loan System Codes section of this document for detailed information on the setup and maintenance of these codes. Data Base Field Name: LN-STUDENT-ST-FED mmddccyy format This field is used only when the member draws a portion of the approved amount at a time. For example, the total loan might be $2,650, the first disbursement $1,325 and the second disbursement $1,325. Data Base Field Name: LN-STUDENT-COMMIT mmddccyy format Data Base Field Name: LN-FRZ-AGG-DT monetary format Data Base Field Name: LN-FRZ-AGG-BAL monetary format Data Base Field Name: LN-AGGREGATE-BAL mmddccyy format Data Base Field Name: LN-AGGREGATE-DT Page 263 of 424

264 The Consumer Loan Maintance/Student Loan screen displays: (3) Once all modifications are made, click on the Save button. (4) Click on the Cancel button to return to the Account Profile screen. ~end~ Page 264 of 424

265 Discharge Debt When a debt is discharged: The credit union gives up rights to collect. The discharge debt must be reported to the Internal Revenue Service. The debt is not considered delinquent. The values in all the fields on the Discharge Debt Maintenance screen are reported to the member and to the IRS at the end of the year. Discharged debts appear in the Status field as Discharged on the Account Profile screen. The Account Profile screen displays: (1) Click on the consumer loan Suffix # drop-down list and select Discharge Debt. Page 265 of 424

266 The Discharge Debt Maintenance screen displays: (2) Click on the Modify button. Discharge Debt Maintenance Balances Field Description Valid Entries/Comments Current Balance: Payoff Amount: Interest: One Days Interest: Late Charge: Insurance: One Days Insurance: Indicates the balance of the loan account. Indicates the amount required to pay off the debt (includes all interest and fees). Indicates the total amount of interest due. Indicates the interest amount due on any one day. Indicates the total amount of late charges due on the debt. Indicates the unpaid insurance premium. Insurance amount due on any one day. read only monetary format read only monetary format read only monetary format read only monetary format The system multiplies the annual insurance rate by the balance and then divides the result by 365. read only monetary format read only monetary format read only monetary format The system multiplies the annual insurance rate by the balance and then divides the result by 365. Page 266 of 424

267 Discharge Debt Maintenance Discharge Data Field Description Valid Entries/Comments Code: Indicates the discharge code. Valid Values: 0 - Not Discharged 1 - Discharged 2 - Discharged By Bankruptcy Court > 0 = no monetary or maintenance; not considered delinquent Excluded from MUSCLE W on Trial Balance and Account Profile Not on statement but on microfiche Credit risk box in PCL Data Base Field Name: LN-DIS-CHG-CODE Effective Date: Indicates the discharge date. mmddccyy format Data Base Field Name: LN-DIS-CHG-DT Debt Amount: Indicates the total amount of the debt to be discharged. monetary format Data Base Field Name: LN-DIS-CHG-AMT Interest Amount: Indicates the total amount of interest to be discharged. monetary format Data Base Field Name: LN-DIS-CHG-INI Admin Costs: Indicates the total of any late fees, origination fees, or other administrative fees that were discharged. monetary format Data Base Field Name: LN-DIS-CHG-COST Debt Description: Indicates a brief description of the debt or reason for the discharge. 25 alphanumeric characters Data Base Field Name: LN-DIS-CHG-DESC The Discharge Debt Maintenance screen displays: (3) Once all modifications are made, click on the Save button. Page 267 of 424

268 The Discharge Debt Maintenance screen displays: (4) Click on the Cancel button to return to the Account Profile screen. ~end~ Page 268 of 424

269 Loan Draft information The Account Profile screen displays: (1) Click on the consumer loan Suffix # drop-down list and select Loan Draft Information. The Loan Draft Inquiry screen displays: (2) This screen is an Inquiry Only screen, you may click on the Cancel button to return to the Account Profile screen. Alternatively, the user may click on the Legal Extension or Delinquent Extension tab. Page 269 of 424

270 Loan Draft Inquiry Loan Information Field Description Valid Entries/Comments Name 1: Indicates the member s name. read only 35 alphanumeric characters Name 2: Indicates the co-signer/joint owner s name. read only 35 alphanumeric characters Address 1: Indicates the member s address. Read only 35 alphanumeric characters Address 2: Indicates the co-signer/joint owner s address. Read only 35 alphanumeric characters City: Indicates the city in which the member currently resides. Read only 35 alphanumeric characters State: Indicates the state the member resides in. 2 alphanumeric characters read only Zip Code: Indicates the member s postal zip code. Read only 5 digit postal zip code and 4 digit extension Phone: Indicates the member s area code and telephone number. Read only 10 digits Draft Information Field Description Valid Entries/Comments Draft #: Indicates the draft suffix number. Read only 3 digits Data Base Field Name: LN-LOC-SD-DESC Cycle: Indicates the statement cycle code this suffix is on. Read only 2 digits Data Base Field Name: SD-CYCLE-CODE Line of Credit Data Field Description Valid Entries/Comments Loan Class: Indicates the loan class used for this loan. Read only 3 digits + Class Description Data Base Field Name: LN-VRL-CLASS Scheduled Payment: Next Payment Date: LOC Amount: Daily Rate: Indicates the scheduled payment amount. Indicates the date the next payment is due. Indicates the total amount of the line of credit approved for this account. Indicates the daily interest rate for this loan. Read only monetary format Data Base Field Name: LN-PYMT-AMT Read only mmddccyy Data Base Field Name: LN-DT-NXT-PYMT Read only monetary format Data Base Field Name: LN-LOC-AMT Read only percentage format Data Base Field Name: LN-LN-INT-RATE Page 270 of 424

271 Line of Credit Data Field Description Valid Entries/Comments Interest Rate: Last Statement Date: Margin: Rate Adjustment Option: Rate Option: Scheduled Payment Option: LOC Expire Date: Term: Indicates the interest rate used for the loan. Indicates the date of the last statement was produced. Indicates the difference between the user rate index and actual interest rate of the loan (APR) Indicates the method used for calculating rate changes. Indicates the method used for calculating rate changes. How payments are recalculated if an add-on has been made since the last statement. Indicates the date this line of credit expires. Indicates the default number of payments for loans in this class. Read only percentage format Data Base Field Name: LN-ANNUAL-RATE Read only mmddccyy Data Base Field Name: SD-DT-LAST-STMNT read only percent format Data Base Field Name: LN-VRL-MARGIN Read only This field is used only when the Loan Class ID field = Variable Rate Valid Values: Use Interest Rate Use Index & Margin Read only Valid Values: Use Interest Rate Use Index & Margin Data Base Field Name: VR-RATE-ADJ-OPT (Boolean field) Read only Valid Values: 0 Don t recalculate pymnt amt 1 greatest of % of Bal/Min pymt/amort pymt amt 2 greatest of % of Bal/Min pymt/amort pymt amt/prev pymt amt 3 Interest only 4 Interest Only/Excess to Principal NOTE: If Scheduled Payment Option = 1, 2 or 3, then the Payment Calculation Method is automatically set to 0 and made a read only field. Data Base Field Name: VR-PMT-AMT-OPT Read only mmddccyy Data Base Field Name: LN-LOC-EXPIRE-DT Read only 3 digits Valid Values: 5 = 60 months 10 = 120 months 15 = 180 months 20 = 240 months Data Base Field Name: LN-TERM Page 271 of 424

272 Line of Credit Data Field Description Valid Entries/Comments Loan Officer: Collateral Code: Type: Payment Method: Legal Ext: Indicates the number of the officer who booked this loan Indicates the type of collateral to be used for all loans drafts in this class. Indicates the number identifying the type of loan for all loans in this class. Indicates the payment calculation method used for loan drafts in this class. Indicates whether to display the legal description screen as part of the auto-linked screen flow when a new home-equity loandraft account is opened. read only 3 digits Valid Values: Please refer to the Consumer Loan System Codes section of this document for detailed information on the setup and maintenance of these codes. Data Base Field Name: LN-OFFICER Read only 3 digits Valid Values: Codes and descriptions come from the System Codes Consumer Loan Collateral Codes are reserved for Student Loans. 92, 93, 95, 99 are reserved for Share Secured loans. onmaintainable field from this screen Data Base Field Name: LN-LOAN-COLL read only 3 digits Valid Values: CU Defined Descriptions Student Loans - CU Defined Descriptions Real Estate (if interest is greater than $599.99, it is reported on a 1098 form) CU Defined Descriptions read only 1 digit 0 = Do not use payment table 1 = Use payment table If you type 1, the payment is adjusted automatically when an add-on occurs. If the new balance requires a larger payment, the system automatically increases the payment amount due. If the current payment amount is larger than the balance requires, the Lower Payment field of the Advance screen will display true and causes the system to refer to the Loan Payment Table for a new payment amount. Refer to the setup and maintenance of the LOC Payment Table section of this document. Data Base Field Name: LN-PYMT-METHOD read only 1 digit 0 = False do not automatically display the screen 1 = True display the screen Used for home-equity loandraft classes only. Data Base Field Name: VR-LEGAL-EXT-CD Page 272 of 424

273 Line of Credit Data Field Description Valid Entries/Comments Payment Percent: Note: Create 1098 Form? Indicates the method used in recalculating payment amounts. Indicates the note number of this loan. Indicates whether a 1098 form will be required for this loan. read only percentage format Valid Values: % from class % from individual loan draft NOTE: This field is valid when the Payment Percent Option = greatest of % of Bal/Min pymt/amort pymt amt or greatest of % of Bal/Min pymt/amort pymt amt/prev pymt amt. Data Base Field Name: LN-PYMT-PER read only 6 alphanumeric characters Data Base Field Name: LN-NOTE-NR Valid options: No - (Default) Yes The Legal Description File Maintenance screen displays: (3) If a legal description does not currently exist and needs to be added, click on the Add Legal Description tab. Page 273 of 424

274 The Legal Description File Maintenance screen displays: (4) Complete all applicable fields in the Legal Description File Maintenance screen as defined by your credit union s policies and procedures. (5) Once all applicable fields are completed, click on the Save button. Legal Description File Maintenance Data Field Description Valid Entries/Comments Lot/Parcel: Property Address 1: Property Address 2: Property City: Property State: Property Zip: Property County: Indicates the parcel ID that identifies the property to all tax entities. The unique number used to tie a mortgage loan master to a legal description. This is the access path to the legal structure. Indicates the address 1 for property. Used for access by property address, and will show on reports with 1 line address. Indicates address 2 for property if any. Indicates the city in which the property is located. Indicates the state in which the property is located. Indicates the zip code in which the property is located. Indicates the county in which the property is located. 20 alphanumeric characters Data Base Field Name: Ml-LG-Parcel 30 alphanumeric characters Data Base Field Name: ML-LG-PROP-ADD-1 30 alphanumeric characters Data Base Field Name: ML-LG-PROP-ADD-2 15 alphanumeric characters Data Base Field Name: ML-LG-PROP-CITY 2 alpha characters Data Base Field Name: ML-LG-PROP-STATE 9 digits Data Base Field Name: ML-LG-ZIP-CODE 15 alphanumeric characters Data Base Field Name: ML-LG-PROP-CO Page 274 of 424

275 Legal Description File Maintenance Data Field Description Valid Entries/Comments Brief Legal Description: Plat Book/Page: Appraised Value: Appraisal Date: Assessed Value: Assessed in Name: Tax Year: Census Number: Exist Lien Code: Amount Exist Liens: Status: Indicates a brief description of the property. Indicates the plat book and page number from the subdivision lot and block description of the property. Indicates the dollar value of the last appraisal. Indicates the date the property was last appraised. Indicates the dollar value of the last assessment. Indicates the name recorded on the tax notice, if other than the primary. Indicates the year through which the taxes on the property have been paid. Indicates the census tract number, the enumeration district number, or zip code where the property is located. Indicates the code used to define who holds other liens on the property. Indicates the total amount of liens outstanding on the property other than those with the credit union. Indicates the status of legal record. Used to purge records from file at the end of year. 3 lines of 40 alphanumeric characters Data Base Field Name: combo of the following 3 fields: ML-LG-DESC-1 ML-LG-DESC-2 ML-LG-DESC-3 10 alphanumeric characters Data Base Field Name: ML-LG-PTBOOK-PAGE monetary format Data Base Field Name: ML-LG-APPRAISE-VA mmddccyy format Data Base Field Name: ML-LG-APPRAISE-DT monetary format Data Base Field Name: ML-LG-ASSESSED-VA 20 alphanumeric characters Data Base Field Name: ML-LG-ASSESS-NAM 2 digits Data Base Field Name: ML-LG-TAX-YR 9 alphanumeric characters Data Base Field Name: ML-LG-CENCUS-TRAC Valid Values: 00 No other mortgages outstanding 01 We hold 1 st mortgage 02 We hold 2 nd mortgage 03 We hold 1 st and 2 nd mortgages 04 Other institution holds 1 st mortgage 04 Other institution holds 2 nd mortgage 06 Other institution holds 1 st and 2 nd mortgage 07 Individual holds 1 st mortgage 08 Individual holds 2 nd mortgage Data Base Field Name: ML-LG-EXT-MTG-CD monetary format Data Base Field Name: ML-LG-AMT-LIENS Valid Values: Opened Closed Data Base Field Name: ML-LG-STATUS Page 275 of 424

276 The Legal Description File Maintenance screen displays: (6) Click on the Delinquent Extension tab. The Delinquent Extension File Maintenance screen displays: (7) Click on the Modify button and complete all applicable fields in the Delinquent Extension File Maintenance screen as defined by your credit union s policies and procedures. Page 276 of 424

277 Delinquent Extension File Maintenance Data Field Description Valid Entries/Comments Loan Balance: Last Add-On Date: Last Payment Date: Payment Amount: Opened Date: Indicates the current balance of the loandraft loan. Indicates the date the last addon was made to this loandraft. Indicates the date a payment was last made. Indicates the scheduled payment amount. Indicates the date the loan draft was opened. read only monetary format Data Base Field Name: LN-CURR-BAL read only mmddccyy format Data Base Field Name: LN-ADDON-DT read only mmddccyy format Data Base Field Name: LN-DT-LAST-PYMT read only monetary format Data Base Field Name: LN-PYMT-AMT OR Data Base Field Name: LN-ALT-PYMT-AMT read only mmddccyy format Data Base Field Name: LN-LOAN-DT Interest Date: Indicates the interest date. read only mmddccyy format Data Base Field Name: LN-INT-DT Amount Due: Indicates the amount due on this loan draft. read only monetary format Data Base Field Name: LN-PR-PYMT-AMT Current Month: Indicates the dollar amount due Monetary format this payment frequency. Month 1: Indicates the delinquent dollar amount due for each month delinquent. Monetary format Data Base Field Name: DL-AGED-BILL Month 2: Indicates the delinquent dollar amount due for each month delinquent. Monetary format Data Base Field Name: DL-AGED-BILL Month 3: Indicates the delinquent dollar amount due for each month delinquent. Monetary format Data Base Field Name: DL-AGED-BILL Month 4: Indicates the delinquent dollar amount due for each month delinquent. Monetary format Data Base Field Name: DL-AGED-BILL Month 5: Indicates the delinquent dollar amount due for each month delinquent. Monetary format Data Base Field Name: DL-AGED-BILL Month 6: Indicates the delinquent dollar amount due for each month delinquent. Monetary format Data Base Field Name: DL-AGED-BILL Month 7: Indicates the delinquent dollar amount due for each month delinquent. Monetary format Data Base Field Name: DL-AGED-BILL Page 277 of 424

278 Delinquent Extension File Maintenance Data Field Description Valid Entries/Comments Month 8: Month 9 Month 10: Month 11: Month 12: Over 12: Indicates the delinquent dollar amount due for each month delinquent. Indicates the delinquent dollar amount due for each month delinquent. Indicates the delinquent dollar amount due for each month delinquent. Indicates the delinquent dollar amount due for each month delinquent. Indicates the delinquent dollar amount due for each month delinquent. Indicates the dollar amount that has been delinquent for more than 12 months. monetary format Data Base Field Name: DL-AGED-BILL monetary format Data Base Field Name: DL-AGED-BILL monetary format Data Base Field Name: DL-AGED-BILL monetary format Data Base Field Name: DL-AGED-BILL monetary format Data Base Field Name: DL-AGED-BILL monetary format Data Base Field Name: DL-AGED-BILL The Delinquent Extension File Maintenance screen displays: (8) Once all applicable fields are completed, click on the Save button. Page 278 of 424

279 The Delinquent Extension File Maintenance screen displays: (9) Click on the Cancel button to return to the Account Profile screen. ~end~ Page 279 of 424

280 Credit Bureau The Account Profile screen displays: (1) Click on the consumer loan Suffix # drop-down list and select Credit Bureau. The Credit Bureau Maintenance screen displays: (2) Click on the Modify button. Page 280 of 424

281 The Credit Bureau Maintenance screen displays: (3) Complete all applicable fields as defined by your credit union s policies and procedures. Credit Bureau Maintenance Data Field Description Valid Entries/Comments Credit Bureau Account Type: Indicates the generic credit reporting account type for this loan class. Valid Values: 7B Agricultural 00 Auto 3A Auto Lease 9B Business Line Personally Guaranteed 10 Business Loan 37 Combined Credit Plan 6A Commercial Installment Loan 7A Commercial Line of Credit 6B Commercial Mortgage Loan 0F Construction Loan 26 Conventional Real Estate Mortgage 18 Credit Card 47 Credit Line Secured 43 Debit Card 91 Debt Consolidation 8B Deposit Related 12 Education Loan Page 281 of 424

282 Credit Bureau Maintenance Data Field Description Valid Entries/Comments Credit Bureau Account Type: (continued) Account Status: Indicates the generic credit reporting account type for this loan class. Indicates the loan account status that is reported to the credit bureau(s). Valid Values: 2C Farmers Home Admin (FmHA) Real Estate 19 Federal Housing Admin (FHA) Real Estate 0G Flexible Spending Credit Card 6D Home Equity 89 Home Equity Line of Credit 04 Home Improvement 1C Household Goods 13 Lease 15 Line of Credit Union 17 Manufactured Housing 90 Medical Debt 20 Note Loan Valid Values: 05 Account Transfer to Another Office 11 Current Account 13 Paid or Closed Account 41 Deletes Entire Account 61 Account Paid in Full was a Voluntary Surrender 62 Account Paid in Full was a collection account, insurance or government claim 63 Account Paid in Full was repossession 64 Account Paid in Full was a charge off 65 Account Paid in Full, A Foreclosure was Started 71 Account 30 Days Past the Due Date 78 Account 60 Days Past the Due Date 80 Account 90 Days Past the Due Date 82 Account 120 Days Past the Due Date 83 Account 150 Days Past the Due Date 84 Account 180 Days Past the Due Date 88 Claim Filed with Government for Insured Portion of Balance on a Defaulted Loan 89 Deed Received in Lieu of Foreclosure on a Defaulted Mortgage 93 Account Seriously Past Due and/or Assigned to Internal or External Collections 94 Foreclosure/Credit Grantor Sold Collateral to Settle Defaulted Mortgage 95 Voluntary Surrender 96 Merchandise was repossessed by Credit Grantor, May be Balance Due 97 Unpaid Balance Reported as a Loss by Credit Grantor (Charge-Off) Data Base Field Name: LN-CB-ACCT-STATUS Page 282 of 424

283 Credit Bureau Maintenance Data Field Description Valid Entries/Comments Special Comments: Indicates the loan account comments that are reported to the credit bureau(s). Valid Values: I Election of Remedy M Account Closed as Creditor Grantor s Request AP Credit Line Suspended BB Lease Full Termination/Status Pending BC Lease Full Termination/Obligation Satisfied BD Lease Full Termination/Balance Owing BE Lease Full Termination/Status Pending BF Lease Full Termination/Obligation Satisfied BG Lease Full Termination/Balance Owing BH Lease Full Termination/Insurance Loss BI Lease Involuntary Repossession BJ Lease Involuntary Repossession/Obligation Satisfied BK Lease Involuntary Repossession/Balance Owning BL Credit Card Lost or Stolen BS Prepaid Lease AS Account Closed Due to Refinance AT Account Closed Due to Transfer AM Account Payment Assured by Wage Garnishment S Special Handling V Adjustment Pending AV First Payment Never Received AW Affected by Natural Disaster AZ Redeemed Repossession BO Foreclosure Proceedings Started B Accounts Payments Managed by Credit Counseling Service C Paid by Comaker AB Debt Being Paid Through Payment Agreement AC Paying Under a Partial Payment Agreement AG Single Interest Loan Data Base Field Name: LN-CB-SP-COMMENTS Page 283 of 424

284 Credit Bureau Maintenance Data Field Description Valid Entries/Comments Compliance Condition Code: Consumer Information Indicators: Indicates the compliance condition code and consumer information indicators that are reported to the credit bureau(s). Indicates the compliance condition code and consumer information indicators that are reported to the credit bureau(s). Valid Values: XA Account Closed as Consumers Request XB Account Information Disputed by Consumer XC Completed Investigation of FCRA Dispute Consumer Disagrees XD Account closed at Consumers Request and Dispute Under FCBA XE Account Closed at Consumers request and Dispute Investigation Completed, Consumer Disagrees. XF Account in Dispute Under FCBA XG FCBA Dispute Resolved Consumer Disagrees XH Account Previously in Dispute Now Resolved, reported by Credit Grantor XR Removes the Most Recent Reported Compliance Condition Code Data Base Field Name: LN-FF-CTR-1 Valid Values: A Petition for Chapter 7 Bankruptcy B Petition for Chapter 11 Bankruptcy C Petition for Chapter 12 Bankruptcy D Petition for Chapter 13 Bankruptcy E Discharged through Bankruptcy Chapter 7 F Discharged through Bankruptcy Chapter 11 G Discharged through Bankruptcy Chapter 12 H Discharged through Bankruptcy Chapter 13 I Chapter 7 Bankruptcy Dismissed J Chapter 11 Bankruptcy Dismissed K Chapter 12 Bankruptcy Dismissed L Chapter 13 Bankruptcy Dismissed M Chapter 7 Bankruptcy Withdrawn N Chapter 11 Bankruptcy Withdrawn O Chapter 12 Bankruptcy Withdrawn P Chapter 13 Bankruptcy Withdrawn Q Removes Bankruptcy Indicator Previously Reported R Reaffirmation of Debt S Removes Reaffirmation of Debt and Reaffirmation of Debt Indicators Previously Reported T Credit Grantor Cannot Locate Consumer U Consumer Now Located (Removes Previous T Indicator) V Chapter 7 Reaffirmation of Debt Rescinded W Chapter 11 Reaffirmation of Debt Rescinded X Chapter 12 Reaffirmation of Debt Rescinded Y Chapter 13 Reaffirmation of Debt Rescinded Data Base Field Name: LN-FF-CTR-1 Page 284 of 424

285 The Credit Bureau Maintenance screen displays: (4) Once all fields have been updated, click on the Save button. (5) Click on the Cancel button to return to the Account Profile screen. ~end~ Page 285 of 424

286 Order Loan Coupons The Account Profile screen displays: (1) Click on the consumer loan Suffix # drop-down list and select Order Loan Coupons. The Consumer Loans Order Coupons screen displays: (2) To order loan coupons, click on the Order button. The order will be placed and return to the Account Profile screen. ~end~ Page 286 of 424

287 Loan Collateral The Account Profile screen displays: (1) Click on the consumer loan Suffix # drop-down list and select Loan Collateral. The Loan Collateral Maintenance screen displays: Page 287 of 424

288 Titled Collateral The Loan Collateral Maintenance/Auto screen displays: Loan Collateral Maintenance Auto Field Description Valid Entries/Comments Year Make Model VIN Account Suffix Last File Maintenance Indicates the year the collateral was manufactured. Indicates the collateral manufacturer. Indicates the model of the collateral. Indicates the serial number or vehicle identification number of the collateral. Indicates the account number of the loan secured by this collateral. Indicates the suffix number of loan secured by this collateral. Indicates the date the titled collateral information was file maintained. read only Data Base Field Name: LA-LC-YR read only Data Base Field Name: LA-LC-MAKE read only Data Base Field Name: LA-LC-MODEL read only Data Base Field Name: LA-LC-SERIAL-NR read only Data Base Field Name: LA-LC-ACCT-NR read only Data Base Field Name: LA-LC-DESCRIPTION read only Data Base Field Name: LA-LC-LAST-FM-DATE Page 288 of 424

289 Adding Titled Collateral The Loan collateral Maintenance screen displays: (1) To add titled collateral, click on the Add an Auto tab The Loan Collateral Details screen displays: (2) Complete all applicable fields in the Loan Collateral Details screen as defined by your credit union s policies and procedures. (3) Click on the Save button. Page 289 of 424

290 Loan Collateral Detail Field Description Valid Entries/Comments Application Date: Indicates the date the loan application was booked. read only Data Base Field Name: LA-LC-DATE Application Time: Indicates the time the loan application was booked. read only Data Base Field Name: LA-LC-TIME Auto Field Description Valid Entries/Comments Collateral Value: Indicates the selling price/value of the collateral. monetary format Data Base Field Name: LA-LC-PRICE Max Percent: Indicates the maximum finance percentage. percentage format Data Base Field Name: LA-LC-LPER Loan Value: Indicates the loan value of the collateral. monetary format Data Base Field Name: LA-LC-LV Year: Indicates the year the collateral was manufactured. ccyy format Data Base Field Name: LA-LC-YR Make: Indicates the collateral manufacturer. 12 alphanumeric characters Data Base Field Name: LA-LC-MAKE Model: Indicates the model of the collateral. 20 alphanumeric characters Data Base Field Name: LA-LC-MODEL VIN: Indicates the serial number or vehicle identification number of the collateral. 30 alphanumeric characters Data Base Field Name: LA-LC-SERIAL-NR Color: Indicates the color of the collateral. 12 alphanumeric characters Data Base Field Name: LA-LC-COLOR Key Number: Indicates the number imprinted on the physical key of the collateral. 8 alphanumeric characters Data Base Field Name: LA-LC-KEY-NUMBER Miles: Indicates the miles on the odometer of the collateral. 7 digits Data Base Field Name: LA-LC-MILES Tag Number: Indicates the tag number of the collateral. 12 alphanumeric characters Data Base Field Name: LA-LC-TAG Seller: Indicates the name of the seller of the collateral. 30 alphanumeric characters Data Base Field Name: LA-LC-SELLER Property Being Purchased: Indicates whether or not the loan is used to purchase the collateral. Check box format Valid Values: Unchecked = No Checked = Yes Data Base Field Name: LA-LC-PURCH Require Proof of Indicates whether or not the Check box format Insurance: member must provide proof of insurance as a condition of the loan. Valid Values: Unchecked = No Checked = Yes Data Base Field Name: LA-LC-INS-IND Loan to Value Ratio: Indicates the loan to value ratio. monetary format Data Base Field Name: LA-LC-LTVR Other Value: Indicates other collateral value. monetary format Data Base Field Name: LA-LC-OTHVAL Page 290 of 424

291 Loan Collateral Detail Titled Tracking Field Description Valid Entries/Comments Title Number: Indicates the title number of the collateral. 12 alphanumeric characters Data Base Field Name: LA-LC-TITLENR Title Owner: Indicates the full name of the individual as listed on the Title specified by the Title Number. 75 alphanumeric characters Data Base Field Name: LA-LC-OTHDESC Date Title Mailed: Indicated the date the title was mailed. mmddccyy format Data Base Field Name: LA-LC-TITL ED-DT Date Title Received: Indicates the date the title was received. mmddccyy format When the title is received, enter the date it was received in this field. If the title has not been received, you may wish to send a letter requesting the title after a certain time period. You may look at the date the loan was booked and if the number of days in the Letter Frequency (Days) field has elapsed you will send a letter and enter the date it sent in the Date Letter Mailed field. Data Base Field Name: LA-LC-TITLE-RECEIVED- DATE Letter Frequency (Days): Date Letter Mailed: Title Release Address 1: Title Release Address 2: Title Release City: Indicates the default value for the number of days between which letters will be mailed until the title is received. This field is set within the Manager/Institution/Consumer Loans/Institution Parameters/Manage Institution Lending Parameters. Displays the date of the last letter sent. Indicates the actual mailing address for the vehicle title. This field will be typically used after the loan is closed and the title is being reissued to the vehicle owner. Indicates the actual mailing address for the vehicle title. This field will be typically used after the loan is closed and the title is being reissued to the vehicle owner. Indicates the city of the tile holder. Valid Values: The value set in the Title Tracking Letter Frequency (Days) field within the Manage Institution Lending Parameters option will default when new titled collateral are added to a loan application or existing loan; however, this field can be changed at the collateral level. Data Base Field Name: mmddccyy format If the number of days between the last letter mailed is greater than or equal to the current business date and the Date Title Received field still indicates the title has not been received, the user may choose to send another letter. The user will update the date in this field. Each time the date is updated, it will also create a record in the Date Letter Mailed History. When more than one letter has been sent the user will see a link that displays all dates when the mouse cursor is moved over the link. Data Base Field Name: 75 alphanumeric characters Data Base Field Name: LA-LC-TITLE-ADDR1 75 alphanumeric characters Often used for the P.O. Box number. If you are entering a foreign address, use this line to enter the foreign province, county, and zip code. Data Base Field Name: LA-LC-TITLE-ADDR2 75 alphanumeric characters Data Base Field Name: LA-LC-TITLE-CITY Page 291 of 424

292 Loan Collateral Detail Titled Tracking Field Description Valid Entries/Comments Title Release State: Indicates the state of the tile holder. 2 alpha characters Use the two-digit abbreviation of the US Postal Service. Data Base Field Name: LA-LC-TITLE-STATE Title Release Zip: Indicates the zip code of the tile holder. 5 digit postal zip code and 4 digit extension If you do not know the four-digit extension for the Zip Code, type four zeros or leave blank. Data Base Field Name: LC-LA-TITLE-ZIP-CODE Warranty Tracking Field Description Valid Entries/Comments Amount: Indicates the actual monetary value warranty sold by the lender. monetary format Data Base Field Name: LA-LC-WRNTY-AMT Term of Coverage: Indicates the description of the policy. 75 alphanumeric characters Example: 36 mos/ 36,000 miles Data Base Field Name: LA-LC-WRNTY-COVERAGE- DESC Refund Amount: Cancellation Date: Class: Contract Number: Indicates the amount of monies returned to the loan originator as a refund if the vehicle is sold before the term of the warranty expires. Indicates the date that the vehicle warranty policy was cancelled. Indicates the classification for the vehicle, new or used, at the time the warranty was purchased. Indicates the value of the vehicle warranty contract or policy. monetary format Data Base Field Name: LA-LC-WRNTY-REFUND-AMT mmddccyy format Data Base Field Name: LA-LC-WRNTY-CANCEL- DATE Valid Values: New Used Data Base Field Name: LA-LC-WRNTY-CLASS-CODE 30 alphanumeric characters Data Base Field Name: LA-LC-WRNTY-POLICY- NUMBER Gap Insurance Tracking Field Description Valid Entries/Comments Contract Number: Claim Date: Claim Amount: Cancellation Date: Indicates the value of the vehicle gap insurance contract or policy. Indicates the date that a claim was made against the GAP policy. Indicates the actual monetary value issued by the GAP policy. Once a GAP claim date has been entered, then a claim amount can be entered. Indicates the date that the GAP policy was cancelled. 30 alphanumeric characters Data Base Field Name: LA-LC-GAP-POLICY-NUMBER mmddccyy format This field is directly tied to the GAP Claim Amount field. Data Base Field Name: LA-LC-GAP-CLAIM-DATE monetary format Data Base Field Name: LA-LC-GAP-CLAIM-AMT mmddccyy format Data Base Field Name: LA-LC-GAP-CANCEL-DATE ~end~ Page 292 of 424

293 Editing Titled Collateral The Loan Collateral Maintenance screen displays: (1) To edit existing titled collateral, click on the Edit icon. The Loan Collateral Details screen displays: (2) Click on the Modify button. Page 293 of 424

294 The Loan Collateral Details screen displays: (3) Make all applicable changes and click on the Save button when completed. The Loan Collateral Details screen displays: (4) Click on the Done button to return to the Account Profile screen. ~end~ Page 294 of 424

295 Deleting Titled Collateral The Loan Collateral Maintenance screen displays: (1) To delete existing titled collateral, click on the Delete icon. The Override Condition screen displays: (2) Enter your Teller Number, Password and click on the Post button to override this condition. Page 295 of 424

296 The Loan Collateral Maintenance screen displays: (3) Click on the Done button to return to the Account Profile screen. The Maintenance History screen displays: The file maintenance history will update to display the titled collateral was deleted and record the teller number of the user. (4) Click on the Cancel button to return to the Account Profile screen. ~end~ Page 296 of 424

297 Title Tracking Letter Frequency and Date(s) Mailed With the release of MR 2.4.0, new fields have been added to the title tracking section of titled collateral to assist in tracking letters that have been mailed requesting the title. A new field was added to Manage Institution Lending Parameters that indicates the default value for the number of days between which letters will be mailed until the title is received. The value set in Title Tracking Letter Frequency (Days) in the institution parameters will default when new titled collaterals are added to a loan application or existing loan; however, it can be changed at the collateral level. Page 297 of 424

298 When the title has been received, the user will enter the date it was received in Date Title Received. If the title has not been received, the user may wish to send a letter requesting the title after a certain time period. The user can look at the date the loan was booked and if the number of days in Letter Frequency (Days) has elapsed the user will send a letter and enter the date it was sent in the Date Letter Mailed field. Page 298 of 424

299 The Date Letter Mailed field will always show the date of the last letter. If the number of days between the last letter mailed is greater than or equal to the current business date and the Date Title Received still indicates the title has not been received, the user may choose to send another letter. The user will update the date in Date Letter Mailed. Each time this date is updated, it will also create a record in the Date Letter Mailed History. If more than one letter has been sent the user will see a link that will display all the dates upon mouse-over. The new fields will be available for Oracle Discoverer, so using the concept of comparing the Date Title Received along with the Letter Frequency (Days) and Date Letter Mailed, the user can query which loans are still awaiting the title and need to have a reminder letter sent. Page 299 of 424

300 Pledged Collateral The Pledged Collateral screen provides the user with the option to view, edit or delete cross pledges. This information will be stored with the loan record when the loan is booked. The Loan Collateral Maintenance/Deposits (Cross Account Pledge) screen displays: Maintain Collateral Pledged Collateral Field Description Valid Entries/Comments Account Number Suffix Amount Indicates the account number(s) being used as collateral for this loan. Indicates the suffix number (s) being used as collateral for this loan. Indicates the amount being pledged. read only Data Base Field Name: LN-PLEDGE-ACCT read only Data Base Field Name: LN-PLEDGE-DESC read only Data Base Field Name: Share = SH-SHARE-PLEDGE Certificate = CD-PLEDGE Club = CB-PLEDGE Draft = SD-PLEDGE Page 300 of 424

301 Adding Cross Pledged Collateral The Loan Collateral Maintenance screen displays: (1) To add pledged collateral, click on the Add a Deposit tab. The Deposit screen displays: (3) Complete all applicable fields as defined by your credit union s policies and procedures. NOTE: For a Cross Pledge, the amount pledged must equal the loan amount; the loan amount is automatically populated in the Pledge Amount field. (4) Click on the Save button. Page 301 of 424

302 Maintain Pledged Collateral Field Description Valid Entries/Comments Pledged Account Number: Indicates the account number(s) being used as collateral for this loan. 10 digits For a Cross Pledge, only one account number and suffix may be entered. Data Base Field Name: LN-PLEDGE-ACCT Pledged Suffix: Pledged Amount: Indicates the suffix number (s) being used as collateral for this loan. Indicates the amount being pledged. 3 digits For a Cross Pledge, only one account number and suffix may be entered. Data Base Field Name: LN-PLEDGE-DESC read only field For a Cross Pledge, the amount pledged must equal the loan amount. The system sets the full pledge amount automatically. The Loan Collateral Maintenance screen displays: (5) Click on the Done button to return to the Account Profile screen. ~end~ Page 302 of 424

303 Editing Pledged Collateral The Loan Collateral Maintenance screen displays: (1) To edit an existing cross pledged collateral, click on the Edit icon. The Deposit screen displays: (2) Click on the Modify button and make all applicable changes and click on the Save button when completed. ~end~ Page 303 of 424

304 Loan Documents This menu option is only available for those credit unions using the Loans PQ loan automation module. For detailed information regarding this option, please refer to the LoansPQ User s Guide. The Account Profile screen displays: (1) Click on the consumer loan Suffix # drop-down list and select Loan Documents. ~end~ Page 304 of 424

305 Loan Payment History The Account Profile screen displays: (1) Click on the consumer loan Suffix # drop-down list and select Loan Payment History. Page 305 of 424

306 The Loan Payment History screen displays: A new section has been added to display a particular loan and display 24 months of loan payment history on the Loan Payment History screen. The previous Loan Payment History screen displays a summary of all loans for the member even though the user selects this screen from the loan suffix options. Data currently on this screen will be moved to a new tab titled Summary of All Loans. Days Delinquent Field Description Valid Entries/Comments Days Delinquent The member s current active If a payment is delinquent, it is inserted by the system in loans are listed by suffix the applicable category. In other words, if there is one number and then broken out by the number of payments that delinquent payment in the days category for one of have been delinquent (if any). the member s loans, a 1 appears in that column. If the To calculate, the system member is late again in this category, this number compares the payment due date to the current system date. becomes a 2, and so forth. As the delinquent payment These numbers are updated when a payment is made. ages, the 1 shifts to the right by one category until full payment is made. Notice that once the delinquent payment advances to the next category, the previous category is zero or less one (if more than 1). Suffix Indicates the suffix number assigned to the loan. read only Data Base Field Name: LN-DESCRIPTION Page 306 of 424

307 1 29 Indicates the loan payments, which were paid from one to 29 days after the due date Indicates the loan payments, which were paid from 30 to 59 days after the due date Indicates the loan payments, which were paid from 60 to 89 days after the due date Indicates the loan payments, which were paid from 90 to 119 days after the due date Indicates the loan payments made 120 days or later after originally due. read only 3 digits Valid Values: Data Base Field Name: LN-TIMES-LATE-30 read only 3 digits Valid Values: Data Base Field Name: LN-TIMES-LATE-60 read only 3 digits Valid Values: Data Base Field Name: LN-TIMES-LATE-90 read only 3 digits Valid Values: Data Base Field Name: LN-TIMES-LATE-120 read only 3 digits Valid Values: Data Base Field Name: LN-TIMES-LATE Month Payment History Profile Field Description Valid Entries/Comments Past 24 Month History Indicates the pattern over the To calculate the rating if the loan is past due, the system previous 24 months (from subtracts the next payment due date from the current current month) for each of the loans listed to the left ( Suffix business date. It then compares the total to the number of gives the loan suffix number for the information on that line). A loan rating code is given in each month s column for each loan. days in each of the categories and rates the loan accordingly. Only the numbers under 1 (current month) are subject to change within the same month,. For example, if a payment is made during this month, column 1 will reflect that change but the remaining columns will not change until the month-end programs are run. At that point any numbers under columns 2-24 shift over to the next category. If a number is in column 12, it is replaces by the number moving over from the column 11. Page 307 of 424

308 1 Each column is headed by a month number (1-24), which indicates in the last 24 months, which payment this column represents (not the month number itself). In other words, 1 does not necessarily indicate January; instead, 1 = the current month, 2 = prior month, 3 = the month before that, etc. 2 Each column is headed by a month number (1-24), which indicates in the last 24 months, which payment this column represents (not the month number itself). In other words, 1 does not necessarily indicate January; instead, 1 = the current month, 2 = prior month, 3 = the month before that, etc. read only Valid Values: 0 = New loan (not old enough to have rated for this field) 1 = days past due (current) to 29 days past due 2 = days past due 3 = days past due 4 = days past due 5 = 120+ days past due 9 = Loan charged off Data Base Field Name: LN-MONTHLY-RATI NG (1) read only Valid Values: 0 = New loan (not old enough to have rated for this field) 1 = days past due (current) to 29 days past due 2 = days past due 3 = days past due 4 = days past due 5 = 120+ days past due 9 = Loan charged off Data Base Field Name: LN-MONTHLY-RATI NG (2) Field Description Valid Entries/Comments 3 Each column is headed by a month number (1-24), which indicates in the last 24 months, which payment this column represents (not the month number itself). In other words, 1 does not necessarily indicate January; instead, 1 = the current month, 2 = prior month, 3 = the month before that, etc. read only Valid Values: 0 = New loan (not old enough to have rated for this field) 1 = days past due (current) to 29 days past due 2 = days past due 3 = days past due 4 = days past due 5 = 120+ days past due 9 = Loan charged off Data Base Field Name: LN-MONTHLY-RATI NG (3) 4 Each column is headed by a month number (1-24), which indicates in the last 24 months, which payment this column represents (not the month number itself). In other words, 1 does not necessarily indicate January; instead, 1 = the current month, 2 = prior month, 3 = the month before that, etc. read only Valid Values: 0 = New loan (not old enough to have rated for this field) 1 = days past due (current) to 29 days past due 2 = days past due 3 = days past due 4 = days past due 5 = 120+ days past due 9 = Loan charged off Data Base Field Name: LN-MONTHLY-RATI NG (4) Page 308 of 424

309 5 Each column is headed by a month number (1-24), which indicates in the last 24 months, which payment this column represents (not the month number itself). In other words, 1 does not necessarily indicate January; instead, 1 = the current month, 2 = prior month, 3 = the month before that, etc. 6 Each column is headed by a month number (1-24), which indicates in the last 24 months, which payment this column represents (not the month number itself). In other words, 1 does not necessarily indicate January; instead, 1 = the current month, 2 = prior month, 3 = the month before that, etc. 7 Each column is headed by a month number (1-24), which indicates in the last 24 months, which payment this column represents (not the month number itself). In other words, 1 does not necessarily indicate January; instead, 1 = the current month, 2 = prior month, 3 = the month before that, etc. 8 Each column is headed by a month number (1-24), which indicates in the last 24 months, which payment this column represents (not the month number itself). In other words, 1 does not necessarily indicate January; instead, 1 = the current month, 2 = prior month, 3 = the month before that, etc. read only Valid Values: 0 = New loan (not old enough to have rated for this field) 1 = days past due (current) to 29 days past due 2 = days past due 3 = days past due 4 = days past due 5 = 120+ days past due 9 = Loan charged off Data Base Field Name: LN-MONTHLY-RATI NG (5) read only Valid Values: 0 = New loan (not old enough to have rated for this field) 1 = days past due (current) to 29 days past due 2 = days past due 3 = days past due 4 = days past due 5 = 120+ days past due 9 = Loan charged off Data Base Field Name: LN-MONTHLY-RATI NG (6) read only Valid Values: 0 = New loan (not old enough to have rated for this field) 1 = days past due (current) to 29 days past due 2 = days past due 3 = days past due 4 = days past due 5 = 120+ days past due 9 = Loan charged off Data Base Field Name: LN-MONTHLY-RATI NG (7) read only Valid Values: 0 = New loan (not old enough to have rated for this field) 1 = days past due (current) to 29 days past due 2 = days past due 3 = days past due 4 = days past due 5 = 120+ days past due 9 = Loan charged off Data Base Field Name: LN-MONTHLY-RATI NG (8) Page 309 of 424

310 24 Month Payment History Profile Field Description Valid Entries/Comments 9 Each column is headed by a month number (1-24), which indicates in the last 24 months, which payment this column represents (not the month number itself). In other words, 1 does not necessarily indicate January; instead, 1 = the current month, 2 = prior month, 3 = the month before that, etc. read only Valid Values: 0 = New loan (not old enough to have rated for this field) 1 = days past due (current) to 29 days past due 2 = days past due 3 = days past due 4 = days past due 5 = 120+ days past due 9 = Loan charged off Data Base Field Name: LN-MONTHLY-RATI NG (9) 10 Each column is headed by a month number (1-24), which indicates in the last 24 months, which payment this column represents (not the month number itself). In other words, 1 does not necessarily indicate January; instead, 1 = the current month, 2 = prior month, 3 = the month before that, etc. 11 Each column is headed by a month number (1-24), which indicates in the last 24 months, which payment this column represents (not the month number itself). In other words, 1 does not necessarily indicate January; instead, 1 = the current month, 2 = prior month, 3 = the month before that, etc. read only Valid Values: 0 = New loan (not old enough to have rated for this field) 1 = days past due (current) to 29 days past due 2 = days past due 3 = days past due 4 = days past due 5 = 120+ days past due 9 = Loan charged off Data Base Field Name: LN-MONTHLY-RATI NG (10) read only Valid Values: 0 = New loan (not old enough to have rated for this field) 1 = days past due (current) to 29 days past due 2 = days past due 3 = days past due 4 = days past due 5 = 120+ days past due 9 = Loan charged off Data Base Field Name: LN-MONTHLY-RATI NG (11) Maintain Pledged Collateral Active Loans Field Description Valid Entries/Comments 12 Each column is headed by a month number (1-12), which indicates in the last twelve months, which payment this column represents (not the month number itself). In other words, 1 does not necessarily indicate January; instead, 1 = the current month, 2 = prior month, 3 = the month before read only Valid Values: 0 = New loan (not old enough to have rated for this field) 1 = days past due (current) to 29 days past due 2 = days past due 3 = days past due Page 310 of 424

311 that, etc. 4 = days past due 5 = 120+ days past due 9 = Loan charged off Data Base Field Name: LN-MONTHLY-RATI NG (12) Payments Field Description Valid Entries/Comments Suffix Indicates the suffix number assigned to the loan. read only Data Base Field Name: LN-DESCRIPTION Collateral Loan Date Indicates the numeric code to describe the collateral of the loan. Indicates the date the loan was opened. read only 3 digits Open-end loans with credit limits are based on the IPB high and low Collateral Codes. Other valid entries are: 000, = student loan 092, 093, 095,099 = fully secured share (00 trailer on same account as loan) You may, however, define additional values as long as they do not conflict with the above values. If you use collateral code 33, the system will reduce the shares pledged by the principal amount of the loan payment. For codes 092, 093, 095, and 099, the pledged share amount can be reduced automatically by the principal amount of the payment that is, the amount of share pledged would continually decrease, and the amount of share available to the member would continually increase by the amount of the principal after each payment. If you use any of these codes, you must also complete the crosspledge area of the screen. Please refer to the Consumer Loan System Codes section of this document for detailed information on the setup and maintenance of these codes. Data Base Field Name: LN-LOAN-COLL read only mmddccyy format Data Base Field Name: LN-LOAN-DT Page 311 of 424

312 Maintain Pledged Collateral Payments Field Description Valid Entries/Comments Note # Indicates the note number assigned to the loan by the credit union. read only 6 alphanumeric characters entry is optional Data Base Field Name: LN-NOTE-NR Suffix Loan Amt/LOC Payment Amt Payments Current Bal. Frequency Indicates the suffix number assigned to the loan. Loan Amount: Indicates the original loan amount (for both close and open-ended loans) or the highest balance of an openended loan. LOC Amount: Indicates the line of credit amount associated with the loan. This amount could possibly increase or require supervisor override to bypass this amount if a loan add-on results in the balance being greater than this amount. Indicates the scheduled payment amount per frequency. Indicates the number of payments made during the life of this loan. Indicates the current balance of the loan. Indicates how often payments are scheduled to be made on this loan read only Data Base Field Name: LN-DESCRIPTION read only monetary format Data Base Field Name: LN-LOAN-AMT / LN-LOC-AMT read only monetary format Cannot be 0 for open-end or loandrafts. Round up to whole dollars for loandrafts Data Base Field Name: LN-PYMT-AMT read only 3 digits Data Base Field Name: LN-NR-PYMT-MADE read only monetary format Data Base Field Name: LN-CURR-BAL read only Valid Values: 01 Annual 02 Semi-annual 04 Quarterly 12 Monthly Payments 24 Semi-monthly 25 Bi-weekly 26 Every 14 days 52 Weekly 99 Single Payment Data Base Field Name: LN-PAY-FREQ Page 312 of 424

313 Maintain Pledged Collateral Payments Field Description Valid Entries/Comments Method Indicates the method by which loan payments will be made. read only Valid Values: 0 - Dividend Loan Payment (Code not currently supported by EPL) 2 - Cash Loan Payment 5 Payroll Loan Payment If the ADV DAYS field in your IPB is set, the system will not advance the loan s next payment due date beyond the specified advance days. 7 Payoff at CD Maturity If the payoff is by certificate at its maturity. The loan must be cross-pledged to the certificate. When the certificate matures, the system will check to see if a loan has been cross-pledged against it. If so, the system checks the entry in this field. If the value in the field is 7, the system will perform the following transactions on the day the certificate matures: 1. Pay the interest to the certificate. 2. Transfer the new certificate balance to the loan trailer. If the proceeds from the certificate are not enough to completely pay off the loan, the system applies all available proceeds against the loan and prints this account on the Exception Report so that your credit union can take steps to collect the remaining balance. If the balance in the certificate is greater than the payoff amount, the remaining funds will be handled according to the instructions specified by the maturity option set up in the certificate record. 6 - Payroll Loan Payment (Code not currently supported by EPL) 8 - ODA Loan (overdraft account) (Code not currently supported by EPL) 9 - Transfer for Payment Data Base Field Name: LN-PYMT-METHOD Paid Out Loans Field Description Valid Entries/Comments Loan Date Indicates the date the loan was opened. read only mmddccyy format Data Base Field Name: LN-LOAN-DT Page 313 of 424

314 Maintain Pledged Collateral Paid Out Loans Field Description Valid Entries/Comments COLL Indicates the numeric code to describe the collateral of the loan. read only 3 digits Open-end loans with credit limits are based on the IPB high and low Collateral Codes. Other valid entries are: 000, = student loan 092, 093, 095,099 = fully secured share (00 trailer on same account as loan) You may, however, define additional values as long as they do not conflict with the above values. If you use collateral code 33, the system will reduce the shares pledged by the principal amount of the loan payment. For codes 092, 093, 095, and 099, the pledged share amount can be reduced automatically by the principal amount of the payment that is, the amount of share pledged would continually decrease, and the amount of share available to the member would continually increase by the amount of the principal after each payment. If you use any of these codes, you must also complete the crosspledge area of the screen. Please refer to the Consumer Loan System Codes section of this document for detailed information on the setup and maintenance of these codes. Data Base Field Name: LN-LOAN-COLL Loan Amt/LOC Paid-Out Payments Loan Amount: Indicates the original loan amount (for both close and open-ended loans) or the highest balance of an openended loan. LOC Amount: Indicates the line of credit amount associated with the loan. This amount could possibly increase or require supervisor override to bypass this amount if a loan add-on results in the balance being greater than this amount. Indicates the date the loan was paid out. Indicates the total number of payments made on this loan, regardless of the original scheduled payment frequency. read only monetary format Data Base Field Name: LN-LOAN-AMT / LN-LOC-AMT read only mmddccyy format Data Base Field Name: read only 3 digits Data Base Field Name: LN-NR-PYMTS-MADE Page 314 of 424

315 Maintain Pledged Collateral Paid Out Loans Field Description Valid Entries/Comments Days Delinquent The member s current active loans are listed by suffix number and then broken out by the number of payments that have been delinquent (if any). To calculate, the system compares the payment due date to the current system date. These numbers are updated when a payment is made. If a payment is delinquent, it is inserted by the system in the applicable category. In other words, if there is one delinquent payment in the days category for one of the member s loans, a 1 appears in that column. If the member is late again in this category, this number becomes a 2, and so forth. As the delinquent payment ages, the 1 shifts to the right by one category until full payment is made. Notice that once the delinquent payment advances to the next category, the previous category is zero or less one (if more than 1) Indicates the number of times the loan payment was 30 days late Indicates the number of times the loan payment was 60 days late Indicates the number of times the loan payment was 90 days late Indicates the number of times the loan payment was 120 days late Indicates the number of times the loan payment was over 120 days late. read only 3 digits Valid Values: Data Base Field Name: LN-TIMES-LATE-30 read only 3 digits Valid Values: Data Base Field Name: LN-TIMES-LATE-60 read only 3 digits Valid Values: Data Base Field Name: LN-TIMES-LATE-90 read only 3 digits Valid Values: Data Base Field Name: LN-TIMES-LATE-120 read only 3 digits Valid Values: Data Base Field Name: LN-TIMES-LATE-999 Page 315 of 424

316 The Loan Payment History screen displays: (2) To print the loan payment history report, click on the Print button. The Adobe Reader window displays: (3) Click on the Print icon to advance to the Print dialog box. Page 316 of 424

317 The Print dialog box displays: (4) Click on the OK button to send the document to the laser printer. The Adobe Reader window displays: (5) To close the window and return to the Maintenance History screen, click on the button located in the upper right corner of the window. Page 317 of 424

318 The Loan Payment History screen displays: (6) Click on the Done button to return to the Account Profile screen. ~end~ Page 318 of 424

319 Skipping Payments The following procedure explains the process for skipping loan payments. This procedure assumes you are starting from the Account Profile screen. The Account Profile screen displays: (1) Click on the consumer loan Suffix # drop-down list and select General Loan Info. The Consumer Loan Information screen displays: (2) Click on the Modify button. You will have to scroll to the bottom of the screen to click on the Modify button. Page 319 of 424

320 (3) Before selecting the month to skip the payment for, verify the Date Next Payment field. The month to be skipped must be checked before the prior months payment is made. (4) Scroll to the Payment Information/Months to Skip Payments area and click on the check box(es) of the month(s) to be skipped. You may choose up to 4 months to skip. (5) Scroll to the bottom of the screen and click on the Save button. Page 320 of 424

321 In this example, the member wants to skip the April 2007 payment; the Date Next Payment for this loan is 03/27/2007, therefore, the user may select the month of April. The reason the month to be skipped must be checked before the prior months payment is made is that when the March payment is made, the system will advance the Date Next Payment field to 05/27/2007 and skips the month of April. The system will also advance the Late Charge Date field to 05/27/2007 and skip the month of April as well. If the month of April was checked after the March payment was made and the Date Next Payment field is already 04/27/2007; you cannot skip the month that is due. In this instance, you can file maintain the Date Next Payment and the Late Charge Date fields to the next payment and late charge dates for the number of months that the member wants to skip. NOTE: You must manually file maintain the skipped month(s) once the month has past; the system does not automatically uncheck the skipped month(s). If you do not file maintain this area, the month or months checked will be skipped again next year. Date Next Payment and Late Charge Date fields before March 2007 Payment is made Date Next Payment and Late Charge Date fields after March 2007 Payment is made ~end~ Page 321 of 424

322 Charging Off a Loan Account Following this procedure is an explanation of how charged-off loans are reflected on various reports and on the member s statement. NOTE: Once a loan is charged off, an override is required on all withdrawals against such accounts. Voice and ATM activity on these accounts is also denied. (1) If applicable, withdraw the funds from the share account and post them against the loan as a payment. If there are funds in other suffixes, process withdrawals for these also (if designated in the loan document) and apply them to the loan. The Account Profile screen displays: (2) Click on the consumer loan Suffix # drop-down list and select General Loan Info. Page 322 of 424

323 The Consumer Loan Information screen displays: (3) Click on the Modify button. You may have to scroll to the bottom of the screen to click on the modify button. (4) Scroll down to the Delinquency area and click on the Charge Off drop-down list and select 1 Charged Off. The 1 Charged Off indicates that all future payments will be applied automatically to the principal balance first. Once the principal is paid in full, payments will be applied to any accrued interest. Page 323 of 424

324 Consumer Loan Maintenance Delinquency Field Description Valid Entries/Comments Charge Off: Delinquency Status: Delinquency Notice: Indicates that the loan balance has been charged off to recover deficiency balances. Indicates the delinquent status of the loan. Indicates the option for notices and small collection cards. This field applies only to credit unions that normally have more than one card or notice produced for delinquency notification. After the delinquency is cleared with the member, this field will need to be file maintained to "0". Valid Values: 0 - Not Charged Off 1 - Charged Off (all payments will be applied to the principal balance of the loan) This code differs from the bankruptcy code found in the member s share record. The code in this field specifies that the loan has been charged off, but not necessarily because of bankruptcy. NOTE: You must specify in your IPB whether maintenance is allowed in this field Ch Off FM IP-LN-CHG-OFF-FM). Boolean Data Base Field Name: LN-CHG-OFF 2 digits Valid Values: 0 99 CU Defined Descriptions Please refer to the Consumer Loan System Codes section of this document for detailed information on the setup and maintenance of these codes. Data Base Field Name: LN-DELQ-STATUS Valid Values: 0 Produce Notice 1 Do Not Produce Notice (VCU600) Data Base Field Name: LN-NO-DELQ-NOTICES Page 324 of 424

325 (5) Verify that the value in the Payment Method field is 2 Cash Loan Payment. If it is not, click on the Payment Method drop-down list and select 2 Cash Loan Payment. (6) Was the loan set up for automatic payments from a funds distribution payroll source (that is, did the value 5 Payroll Loan Payment appear in the Payment Method field)? If yes, delete the loan record from the member distribution record. If no, proceed to step 7. Page 325 of 424

326 (7) To change the interest due: a. Change the value in the Interest Date field accordingly: To change accrued interest to zero, type today s date To change the amount of accrued interest, type the date from which interest should accrue b. Type the amount of interest due in the Unpaid Interest field. (8) To stop accruing interest on this loan, change the entry in the Interest Rate field to zero. Page 326 of 424

327 (9) To waive loan insurance due (not applicable for single-premium loans or monthly add-ons), change the entry in the Unpaid Insurance field to zero. (10) To stop assessing loan insurance (not applicable for single-premium loans or monthly add-ons), change the entry in the Insurance Code field to 0 No Insurance. Page 327 of 424

328 (11) To stop assessing late charges, change the entry in the Late Charge field to 0 No Late Charge. (12) To waive late charges due, change the entry in the Unpaid Late Charge field to zero. Page 328 of 424

329 (13) Print the Account Profile to obtain the correct loan principal balance ensuring principal and payoff balance are the same. (14) Manually transfer the current balance of the principal loan on your books: a. Credit the principal balance of the charged-off loan to the general ledger loan account (usually 70100). b. Debit the principal balance of the charged-off loan to the general ledger allowance for loan losses account (usually 71900). When payments (recoveries) are later posted to this loan, you will need to credit the allowance for loan losses account. Page 329 of 424

330 (15) To cease mailing the combined statement to the member, access Page 2 of the General Share Information screen and change the value in the Mail Code field to 9. (16) To place a warning flag on the share account to indicate that it has an associated charged-off loan, access the Warnings and Locks screen and change the value in the Warnings field to 99. Page 330 of 424

331 (17) To have a message appear on the Member Message/Comments/Codeword screen to indicate that there is a charged-off loan associated with this account, access the Maintain Message/Comments/Codeword screen and add a message to this effect (for example, Loan ### Charged Off). (18) To indicate that the member has filed for bankruptcy (if applicable), access Page 3 of the General Share Information screen and change the value in the Bankruptcy Code field to the appropriate value (valid values are defined by the credit union).. Page 331 of 424

332 (19) To change the share account so that the only suffixes for this account are the charged-off loans, perform the procedure for charging off a member s share account. ~end~ Page 332 of 424

333 Charging Off a Share Account In order to charge off a member s account to prevent additional monetary transactions from occurring, you must first perform the following procedure to make the necessary changes to the respective share product class(es) and to your credit union s IPB. Performing this procedure will prevent the share statement from being printed; it will instead go on microfiche. Your credit union will not then be charged for an open share account. (1) If this share account has any loans associated with it, you must first charge off the loans. (2) In the respective share product class, set the Auto Close if brought to zero balance and no other open suffixes? field to 0 Do Not Close Automatically. (3) In your IPB, set the IP-CH-OFF-ACCT-FL field to 1-Maintenance of Open Close Code Allowed. This allows a share account to be charged-off by allowing the maintenance of the Open/Closed Code to a 2 Account Open for Charge Off Loan found on Page 1 of the General Share Information screen. (4) Close all other active suffixes on this share account. (5) Bring the share account to a zero balance. Page 333 of 424

334 (6) Change the value of the Open/Closed Code to a 2 Account Open for Charge Off Loan found on Page 1 of the General Share Information screen. ~end~ Page 334 of 424

335 How Charged-off Loans are Reflected on Reports and Statements Summary Trial Balance (RMG50010) This report reflects the total number and balance of all charged-off loans, both by institution and by branch in the Loan Data section of the report. Daily Activity Audit (RMG11220) This report provides totals of payment paid on charged-off loans. Critical fields are: Report Field CG OFF PR CF LN INT CG OFF MS LATE CHG Description Total applied to the principal of the charged-off loan. Total applied to the interest of the charged-off loan. Total applied to the loan insurance of the charged-off loan. Total applied to late charges for the charged-off loan and noncharged-off loan. Charged-Off Loans Report (RLN60540) This report, which runs at month end, shows only charged-off loans. It includes the same information as is contained in the Schedule of Delinquent Loans Report. Report Field NR CH OF LOANS BY TYPE LOANS BY COLL LOANS BY INS CODE Description Number of charged-off loans and total amount charged-off. Type code, total loans with this type code that have been chargedoff, and amount charged-off. Collateral code, total loans with this collateral code that have been charged-off, and amount charged-off. Insurance code, total loans with this insurance code that have been charged-off, and amount charged-off. Combined Statements In most cases, when you charge off a loan, you should file maintain the Mail Code field on Page 2 of the General Share Information screen to be a value greater than 1 (for no mail). The member should not receive a statement, but the statement will be sent to your credit union and will appear on tour microfiche. If you also charge off the share account by file maintaining the Open/Close Code field on Page 1 of the General Share Information screen to 2 - Account Open for Charge Off Loan, no statement will be mailed (either to the member or sent to the credit union), but the statement will be included on tour microfiche. ~end~ Page 335 of 424

336 MR2.6.0 Release Enhancements CQ# Address Enhancement For consistency purposes, Address fields throughout the system have been expanded to allow for a maximum of 129 characters (including the At A correction was also provided where the i-power Maintain Home Banking screen allowed for 30 characters while the Maintain Owner - Home and Employment screens allowed for 50. In cases where the member s home banking was the same as home or work and was greater than 30 characters, the system was unable to store the complete home banking address in i-power. As a result, users will now be able to define home banking addresses in a different manner described later in this document. In addition to the expansion, simple validations such as the ones below will be performed to ensure the entered is in a correct format: Ensure at least/only one At exists and such as ipower@epl.net Ensure consecutive Periods. do not exist such as ipower..@epl.net Ensure no empty spaces exist such as ipower ipower@epl.net The period. when entered before the At cannot be next to such as ipower.@epl.net. Please note that s such as ipower.ipower@epl.net will be permitted. If an address is entered that does not meet the criteria mentioned a warning message will be presented to inform the user to re-enter the address: The following i-power screens have been affected by these changes: 1. Maintain Owner Home 2. Maintain Owner Employment 3. Member Profile 4. Maintain Home Banking 5. Maintain Applicant Address 6. Maintain Applicant Employment 7. Maintain Employment Income 8. Manage Third Party Dealer Information 9. Manage Branch Details 10. Manage Credit Union ACH Options Page 336 of 424

337 For accounts with more than 50 characters, simply hover with the mouse over the Address field on the Member Profile screen to view the member s complete address as illustrated below: Page 337 of 424

338 Changes to member s Maintain Home Banking screen: Users will experience a change with maintaining the member s home banking address. Prior to this release, only one field was presented as illustrated below. Before: Page 338 of 424

339 Now, the user will have 3 options to set the member s home banking address: 1. None 2. Home 3. Work If the member has home and/or work address defined in their profile (under Maintain Owners), the system will now present each address on the Maintain Home Banking screen. If the member wants his/her home banking set to home, simply select Home. If the member wants his/her set to work, simply set to Work. If the member does not have an e- mail address or does not want their used for home banking, set the address to None. Users will also have the ability to modify the member s home and work from the Maintain Home Banking screen. Changes made here will take effect on the Maintain Owners screen eliminating the need to navigate to more than one screen to change the same field. After: Page 339 of 424

340 If the member s address is set to either home or work, the corresponding text field will be a required entry. If one is not specified, a warning message will display to indicate an address. Page 340 of 424

341 On the Maintain Owner screen, if user attempts to modify the address (either home or work) that is designated as the home banking , a warning will display to warn the user that the they are attempting to change is the one defined for Home Banking and E-Statements. Clicking <OK> will result in the update. Please note that if the address is changed on the Maintain Home Banking screen, no message will display. The system will simply accept the change and update accordingly. Page 341 of 424

342 The Share History screen will present changes made to the field accordingly. ~end~ Page 342 of 424

343 CQ# Calculate Late Charge Grace Days Based on Loan Type by Adding Hard Coded Days to IPB Late Charge Days A new report flag setting was added to accommodate a 10 day grace period for late charges for loans with collateral code and type code equal to 007 and/or loans with collateral code and type code equal to 008. When IP-REPT-FLG (13) is set to 1, and the loan collateral code and type code values are both equal to 007 or both equal to 008, the system will use 10 as the number of grace days for late charge calculations and not use what is stored in the Institution Parameters field, IP-LATE-CHG-DAYS. Implementation Instructions IP-REPT-FLG (13) must be zeroed out for all institutions prior to releasing this code. If a credit union wants to utilize this functionality, please contact EPL ODI Lending Support at eplodilending@epl.net. IPB Fields Late Charge Days IP-LATE-CHG-DAYS (2) Number of days from the due date when a late charge is assessed on consumer loans and loandrafts. (PEPLENDG macro) EXAMPLE: If IP-LATE-CHG-DAYS = 10 and the due date is March 15, then on March 25 a late charge will be assessed on the 10th day. If CU wants to charge after 10 days, enter 11. Report Flags IP-REPT-FLG (1) Occurrence MR2.6.0 Release 7/15/07 13 Calculate late charge grace days based on collateral type and loan type. 0 = Uses value of IP-LATE-CHG-DAYS 1 = Uses hard coded value of 10 days when collateral and type codes equal 007 or 008. Page 343 of 424

344 CQ# User Interface to Allow Users to Un-Lock Loan Applications When a user starts or accesses an existing loan application, the system locks the application to that respective user in order to retain data integrity should another user attempt to resume the same application. Under normal circumstances, the user is prompted to resume or discard the application upon returning to the application work center; however when the system is shut down unexpectedly while processing an application, such as by closing the browser, the lock remains on the application. In some cases, the system is unable to properly resume or discard the application, which causes the user to be unable to perform any tasks related to loan applications. Prior to this release, the user s only option was to contact EPL Customer Support and request this lock be removed manually by the Database Administrator. With this release, the user will now have the ability to unlock their loan applications when this situation occurs. A new screen was added to allow the user to unlock an application. To unlock a loan application, click on Lending on the menu bar and select Unlock Loan Application from the drop-down list. Page 344 of 424

345 The Unlock Loan Application screen displays: The default value of the Teller Number field is the teller number you logged on to the system with. Based on a user s permissions, this value may be modified to a different teller number to unlock a loan application for another user. When the user does not have this security access, the teller number field is disabled, and the user can only unlock their own locked applications. When a locked loan is found, the details of the application are displayed; to unlock the respective loan application, click on the Unlock icon of that application record. When a locked loan application is not found, the system displays the message: Warning: "No loan applications are currently locked to this user". NOTE: A user should always attempt to resume or discard an application by returning to the application work center prior to employing the unlock loan application functionality since the system cannot distinguish between an application that is locked validly and one that is locked and unable to be properly resumed/discarded. A warning message is displayed to ensure that this functionality is used for its proper intentions. Page 345 of 424

346 The Confirmation screen displays: Click on the Confirm button. Page 346 of 424

347 The system returns to the Unlock Loan Application screen and shows that there are no longer any locked loan applications. Implementation Instructions Update security for roles. Security Information No additional security is required for a user to unlock an application that belongs to them. However, a new security option has been added to the Role Category: Institution to allow managers to unlock applications for other users. Maintaining a Role: This procedure assumes you are starting from i-power s Main Navigation screen. 1) To maintain a role, click on Manager on the menu bar and select Institution/User Access Management/Roles from the drop-down list. 2) Click on the Edit icon of the role you wish to maintain. 3) Click on the Edit icon of the Institution role category. Page 347 of 424

348 4) Click on the Modify button. Check the box for Unlock Loan Applications found under the User Access Management section to allow user security rights and de-select it to turn it off. 5) Once all modifications are made, click on the Save button. 6) Click on the Done button to return to the Main Navigation screen. Page 348 of 424

349 CQ# Posting Loan Draft Checks Converted to an ACH Debit The ability to process a Loan Draft check that has been converted to an ACH Draft Debit item has been added to the ACH Debit Posting process. Feature Details The account number interpretation rules for draft items will be applied to Loan Draft checks. These rules are as follows: 1) These rules apply only to transactions with a draft tran code (22, 23, 27 and 28). 2) First the program will check for a match in the ACH Cross-Reference table. 3) Second, if no match is found in the ACH Cross-Reference table, the program will check for the R&T number and Micr Number combination in the Draft MICR Table. 4) Third, if the incoming account number contains one dash ( - ) it will assume the draft suffix is to the right of the dash. The program is expecting at least 2 positions (but can be 3 digits) to the right of the dash (71 79 or ). If a valid draft suffix is found the program assumes the numbers to the left of the dash is the account number. The program will attempt to match this account number/suffix combination to a draft account number. 5) If none of these rules are met the item will be non-posted. A Loan Draft check can non-post due to the following reasons: 1) Unavailable Line of Credit 2) Stop Payment 3) Check is written for less than the minimum Check amount set in the LoanDraft Product Class. 4) Account activity exceeds limits set in the LoanDraft Product Class. 5) Account closed. 6) Account not found. Non-Post Reason Codes for Loan Draft checks: 1) R07 Authorization Revoked by Customer The ACH Debit Posting program will only use this ACH Return Reason Code if the item presented has a SEC (Standard Entry Class Code) used for recurring ACH Debit entries (such as PPD) and a stop payment exists for the item presented. 2) R08 Payment Stopped The ACH Debit Posting program will use this ACH Return Reason code if the item presented has a SEC (Standard Entry Class Code) used for Single-Entry payments such as ARC, BOC, WEB, and TEL and a stop payment exists for the item presented. 3) R02 Account Closed. 4) R04 Invalid Account Number. 5) R01 Insufficient Funds The ACH Debit Posting program will use this ACH Return Reason code for all other LoanDraft Checks that non-post and a stop payment has not been issued. For example, the member has exceeded the number of checks that can be written on their LoanDraft account, the ACH Debit Posting program will non-post the transaction using the R01 (Insufficient Funds) ACH Return Reason Code. Page 349 of 424

350 ACH Debit Rejected Items Screen LoanDraft items will appear in the ACH Debit Rejected Items screen referencing the account/suffix of the draft account tied to the LoanDraft account. The Teller may choose to honor or return the item on this screen. If the item has been marked to Honor (either with or without fees), the ACH Debit Posting program will post the item to the LoanDraft Account, the tran will not be reported under the draft suffix. If the item has been marked to Return (either with or without fees) the item will be returned to the Originator as a draft item just as it was presented. Any fees will be applied to the LoanDraft account/suffix. Below is a sample screen of a LoanDraft that has non-posted, notice it does not look any different than a regular draft transaction: The ACH Debit Post and ACH Debit Non-Post Reports will reflect the fact that this transaction is actually a LoanDraft transaction. Sample reports follow. LoanDraft transactions will be indicated by the loan suffix and LD after the loan suffix (021LD) as seen in the sample reports. LoanDraft totals have also been added to each report. Page 350 of 424

351 Report Samples The ACH Debit Post and ACH Debit Non-Post Reports will reflect the fact that this transaction is actually a LoanDraft transaction. Sample reports follow. LoanDraft transactions will be indicated by the loan suffix and LD after the loan suffix (021LD) as seen in the sample reports. LoanDraft totals have also been added to each report. ACH Debit Post Report MR2.2.0 TEST CREDIT UNION ACH DEBIT POST REPORT XREF PREPARED 14:20 7/03/07 PAGE 1 CREDIT UNION NBR:002 VCUACHDB V1F2015 REPORT DT 5/02/07 RPYADB12 SOURCE SOURCE ACCOUNT DEBIT OVD NSF OVERDRAFT TRANSFERS NUMBER NAME NUMBER/TRLR NAME AMOUNT BALANCE FEE FEE CP DEPOSIT LOAN AMT TRACE NUMBER ACH FILE ID LD FEE CROWN PARK RESOR RENEE WATKINS A SOURCE TOTAL OCWEN LOCKBOX RENEE WATKINS MAX LD EXCEEDED -021LD A 0.00 SOURCE TOTAL TOTALS NUMBER AMOUNT DEBITS POSTED TO SHARES DEBITS POSTED TO CLUBS DEBITS POSTED TO DRAFTS DEBITS POSTED TO LOANDRAFTS **TOTAL DEBITS** 4 1, TRANSFERS TOTAL FROM SHARES FROM CLUBS FROM DRAFTS FROM LOANS FROM LOANDRAFTS NSF FEES - SHARES REGULAR NSF FEES COURTESY NSF FEES NSF FEES - MMF LOANDRAFT FEES LOANDRAFT STOP PAY FEES Page 351 of 424

352 ACH Debit Non-Post Report MR2.2.0 TEST CREDIT UNION ACH DEBIT NON-POST REPORT XREF PREPARED 14:20 7/03/07 PAGE 1 CREDIT UNION NBR:002 VCUACHDB V1E2015 REPORT DT 5/02/07 RPYADB22 -- NSF OVERDRAFTING TOTALS --- TRACE NUMBER TR ACCT NBR/TRLR DEBIT AMT CTD YTD ITD NBR CURR BAL NBR LOAN BAL TOTAL CD'S TOTAL IRA'S FEE INDIVIDUAL ID CD MEMBER NAME AVAIL BAL CHK/DBT HOLD DEP AVAIL BAL LNS AVAIL BAL AUDT FG REASON TAPE ACCOUNT NR CPAY TAPE NAME DISC DATA ACH FILE ID DT OPEN SOURCE COMPANY ID CLASS - ARC COMPANY NAME - CTB /LOAN PYMTS KATIE KELL *R01*LD UNAVAIL LOC AMT NO KELL KATIE 0706A 05/02/07 SOURCE TOTAL : LOANDRAFTS NUMBER AMOUNT FEES LD UNAVAIL LOC AMT LD AMOUNT OVER LIMIT MAX LD EXCEEDED LD STOP PAY ITEMS AMT LESS THAN MIN LD DELINQUENT LOANDRAFTS ** TOTAL LOANDRAFTS Page 352 of 424

353 Notice Samples Notices for CUs not using combined notices are produced using VCI554 (RPY55410), ACH Debit Notices. Notices will be produced for LoanDraft transactions if the transaction non-posted, posted with a fee or if a stop payment fee was assessed for the LoanDraft account. Sample notices are shown: Non-Post Notice NOTICE OF INSUFFICIENT FUNDS TO POST PREAUTHORIZED DEBIT 5/04/07 EPL TEST CREDIT UNION ACCOUNT NBR (LOAN DRAFT ACCOUNT NUMBER) P O BOX (DRAFT MICR NUMBER TIED TO LD) BIRMINGHAM AL PREAUTHORIZED DEBIT FROM WATER SYS PMT/Water Sys IN THE AMOUNT OF $14.17 WAS RETURNED ON 5/04/07 AMY JANE DOE 2011 ANY STREET LEEDS, AL YOUR CURRENT BALANCE IS 1, AFTER ASSESSING FEE OF FROM ACCOUNT (LOAN DRAFT ACCT DRAFT MICR) Honor Notice NOTICE OF INSUFFICIENT FUNDS TO POST PREAUTHORIZED DEBIT 5/04/07 EPL TEST CREDIT UNION ACCOUNT NBR (LOAN DRAFT ACCOUNT NUMBER) P O BOX (DRAFT MICR NUMBER TIED TO LD) BIRMINGHAM AL PREAUTHORIZED DEBIT FROM BUTLER MANUFACTU/PAYROLL IN THE AMOUNT OF $41.67 WAS HONORED ON 5/04/07 JOHN GRANT DOE 1234 ANY STREET BIRMINGHAM, AL YOUR CURRENT BALANCE IS 1, AFTER ASSESSING FEE OF 3.00 FROM ACCOUNT (LOAN DRAFT ACCT DRAFT MICR) Page 353 of 424

354 Stop Payment Fee Notice NOTICE OF STOP PAY FEE ASSESSMENT 5/04/07 EPL TEST CREDIT UNION ACCOUNT NBR (LOAN DRAFT ACCOUNT NUMBER) P O BOX (DRAFT MICR NUMBER TIED TO LD) BIRMINGHAM AL DONNA JOE JONES JAMES DAVID JONES 123 SOME STREET CITY, AL YOUR CURRENT BALANCE IS 1, AFTER ASSESSING FEE OF FROM ACCOUNT (LOAN DRAFT ACCT DRAFT MICR) Combined Notice Sample (NSDCPY10) ACTIVITY NOTICE PAGE 1 EPL TEST CREDIT UNION 22 INVERNESS CENTER BIRMINGHAM AL NOTICE DATE: 05/01/07 ACCOUNT NBR: RENEE WATKINS 125 SHOE CIRCLE HOOVER AL ITEMS PRESENTED ON AN INSUFFICIENT AVAILABLE BALANCE OF $.00 Transaction Amount Returned Description of Item Fee Type /Honored Assessed ================================================================================ Preauth Debit RETURN OCWEN LOCKBOX/RDP CHECK Preauth Debit 1, HONOR CTB/LOAN PYMTS ======= PLEASE DEDUCT A FEE OF $60.00 YOUR ACCOUNT NOW HAS AN AVAILABLE BALANCE OF $.00 AND A CURRENT BALANCE OF $.00 Page 354 of 424

355 Implementation Instructions IB-DLQ-ADVANCE-CD, IB-DLQ-DAYS and IB-DLQ-AMT should be established for program "ACHDB " in the INST- BATCH-DS table. If these settings exist, an attempt to post a LoanDraft which results in an NSF error where the LoanDraft is delinquent, will report the NSF as a non-post due to delinquency. Page 355 of 424

356 MR Enhancements CQ# 4594 Consumer Loan Late Charge Plans Prior to this release, late charge parameters were stored in the IPB and a credit union was limited to minimal options such as only two different percentages and two different minimum and maximum late charge amounts. In addition, they were only allowed one grace day setting for all consumer loans. In MR2.7.0, the institution parameter late charge fields will be moved from the IPB and into i-power. A new concept of Late Charge Plans will be introduced where an institution can enter a plan description, choose the late charge method and the desired parameters. The late charge method is being moved from the loan record to the Late Charge Plan and the loan record will now indicate which plan to use. The system will look in the Late Charge Plan for that loan to obtain the actual late charge method and other parameters. An implementation utility is required to set up initial Late Charge Plans to correspond with the institution s current IPB parameters. In addition, implementation utilities will set the plan for each loan record and each existing loan application in i- POWER s Lending Originating System (LOS). A new security option has been added to the Role Category: Institution to allow managers to add or edit Late Charge Plans. Maintaining a Role: A new security option has been added to the Role Category: Institution to allow managers to add or edit Late Charge Plans. This procedure assumes you are starting from i-power s Main Navigation screen. 7. To maintain a role, click on Manager on the menu bar and select Institution/User Access Management/Roles from the drop-down list. 8. Click on the Edit icon of the role you wish to maintain. 9. Click on the Edit icon of the Institution role category. 10. Click on the Modify button. Check the box for Late Charge Plans found under the Consumer Loans section to allow user security rights and de-select it to turn it off. 11. Once all modifications are made, click on the Save button. 12. Click on the Done button to return to the Main Navigation screen. Page 356 of 424

357 A new screen was added to allow a user with proper security access to manage Late Charge Plans. Navigate to Manage Late Charge Plans Manager / Institution / Consumer Loans / Late Charge Plans. The Manage Late Charge Plans screen displays the list of existing Late Charge Plans: Page 357 of 424

358 Note: Upon implementation, there will be a utility that will set up standard plans to correspond to every late charge method. The description of the plan will be the description of the method. For instance, Plan Number 1 has a description of Computed on Interest Due and it will initially be set to Late Charge Method 1 Computed on Interest Due. All the parameters within the plan will be based on the institution settings within your credit union s IPB. Plan Number 0 will be read-only and will always be referred to as No Late Charge. See more details about the implementation utility below. Select to Add or Edit Late Charge Plan. The Manage Late Charge Plans screen displays. Each field in the Late Charge Plan Details section will be described below. 4. Plan Number When adding a new plan, the Plan Number will be pre-populated based on the next available number after the highest late charge plan number in the system. The Plan Number will be editable upon setting up a new plan, but will be disabled on edit. The Plan Number must be unique and up to 999 plans can be defined. 5. Description User-defined description can be up to 50 characters. 6. Status When adding a new plan, the system will set the Status to Active as the default. The manager could change this to inactive in a case where they wanted to set the plan up, but were not ready to make it available to users. Once the plan has been established, a plan can only be marked Inactive if there are no open loan classes or no loan applications in process (LOS only) that are attached to the plan. Existing loans will continue to be serviced using an Inactive plan. Therefore, both active and inactive Late Charge Plans will be available when performing an add-on to an existing loan, as well as when maintaining an existing loan. Page 358 of 424

359 7. Late Charge Method This field indicates which late charge method is to be used for the late charge calculation for loans set to this late charge plan. The default value for new late charge plans is 0 No Late Charge. This field used to be stored at the loan level, but will now be stored within the late charge plan and the late charge plan will be stored in the loan record. Some changes will be made to the existing functionality. For example, Late Charge Method 3 (Fixed Late Charge) was only available for mortgage loans, but will now be available for consumer loans and loandrafts. Valid values: 0 No Late Charge 1 Computed on Interest Due 2 Percentage of Unpaid Payment 3 Fixed Late Charge Amount 4 Scheduled Payment less Partial Payment 5 Percentage of Unpaid Payment (CA State Charter) Note: Late Charge Method 7 will no longer be necessary since it is the same calculation as Late Charge Method 2. It only existed to allow different minimum and maximum values. For the conversion of existing loans using Late Charge Method 7, a Late Charge Plan Number = 7 will be implemented with a Late Charge Method of Late Factor (Percentage) This is the percentage to use in the calculation for late charge methods 1, 2, 4, and 5. Not used by Late Charge Method 3. Note: This used to be in the IPB as IP-LATE-FACTOR and had 4 occurrences and certain methods looked at certain occurrences. This is being streamlined into one field within each late charge plan. 9. Fixed Late Charge Amount This is the fixed late charge amount when using Late Charge Method 3. If Late Charge Method = 3, this is a required field. Not used by late charge methods 1, 2, 4, or 5. Note: Late Charge Method 3 is a new late charge method for consumer loans. Previously, to charge a fixed late charge, the minimum and maximum values were set to the same amount, which also satisfied the fixed amount. Although that method will continue to work, this method more accurately describes the true calculation formula and will also ease training for new customers 10. Grace Days This field is used to tell the number of days from the due date when a late charge is assessed on consumer loans and loandrafts. Example: If Grace Days = 10 and the due date is March 15, then on March 25 a late charge will be assessed (on the 10 th day). If the credit union wants to charge after 10 days, then enter 11. Note: This field used to be in the IPB as IP-LATE-CHG-DAYS 11. Minimum Late Charge Amount This field indicates the minimum late charge amount (calculated + unpaid) for consumer loans and loandrafts for this Late Charge Plan for all Late Charge Methods except for Late Charge Method = No minimum = Valid amounts ($ $ ) Note: This used to be in the IPB under two different options (IP-MIN-LATE-CHG and IP-MIN-LATE-CHG-5) and certain late charge methods looked at certain options. This is being streamlined into one field within each late charge plan. Page 359 of 424

360 12. Maximum Late Charge Amount This field indicates the maximum late charge amount (calculated + unpaid) for consumer loans and loandrafts for this Late Charge Plan for all Late Charge Methods except for Late Charge Method = No Maximum = Valid amounts ($ $ ) If the value is greater than , the system will validate that the amount entered is greater than or equal to the Minimum Late Charge Amount. Note: This used to be in the IPB under two different options (IP-MAX-LATE-CHG and IP-MAX-LATE-CHG-5) and certain late charge methods looked at certain options. This is being streamlined into one field within each late charge plan. 13. Partial Payment Percentage The value in this field determines whether to assess a late charge on a consumer loan or loandraft when a partial payment exists. Enter 100% to always charge a late fee. This field is disabled for Late Charge Method = 1. Note: This field used to be in the IPB as IP-PYMT-PERCENT 14. Late Charge Implementation Option and Date This option and date determines when to start assessing late charges on consumer loans or loandrafts using this late charge plan. There are two options to choose Calendar Date or Date Next Payment. The user will also enter the desired Implementation Date. Note: This field used to be in the IPB as IP-LC-IMPLMT-DT 15. Unpaid Interest When using Late Charge Method 1 Percent of Interest, this field indicates whether the unpaid interest amount is used EVERY time in the late charge calculation or only ONCE (at the first event after becoming delinquent). This field is only enabled for Late Charge Method = 1. Note: This field used to be in the IPB as IP-REPT-FLG (76) In addition to being able to select to Edit an existing Late Charge Plan from the list, a user can select the action icon to View History to see file maintenance history for the desired plan: Page 360 of 424

361 In Consumer Loan Product Class and Loandraft Product Class, the field for Default Late Charge Code has been removed and replaced by the Default Late Charge Plan. 1. Navigate to Manage Consumer Loan Classes Manager / Institution / Consumer Loans / Product Classes or navigate to Manage Loandraft Classes Manager / Institution / Loandrafts / Product Classes. The Manage Consumer Loan Classes screen displays the list of existing Loan Product Classes. 2. Click on the Edit icon of the product class you wish to maintain. The Edit Consumer Loan Class screen displays. 3. Select the desired Default Late Charge Plan to be used for new loans from the drop-down list. Only Late Charge Plans with a status of Active will be available for selection. Page 361 of 424

362 On the Loan Product screen in LOS, the field for Late Charge Code has been removed and replaced by the Late Charge Plan. When starting a new loan application in LOS, the system will default in the Late Charge Plan for the selected Loan Product Class. Only Late Charge Plans with a status of Active will be available for selection. When performing an add-on to an existing loan, the system will default in the Late Charge Plan for the selected Loan Suffix. Late Charge Plans with a status of Active or Inactive will be available for selection. Late Charge Plans that are inactive will be distinguished from active plans by displaying Inactive in the list. Page 362 of 424

363 In the Late Charge area of Consumer Loan Maintenance, the field for Late Charge Method has been removed and replaced by the Late Charge Plan. 1) Navigate to Consumer Loan Maintenance select General Loan Info from the Loan Suffix menu Note: With this feature, the Date of First Delinquency field was also added to the Delinquency area. Page 363 of 424

364 MR Enhancements CQ# Automatic Tracking of Loan Extensions for Consumer Loans Subsequent Action Loan extensions are a change in terms and considered a subsequent action to the actual loan. There are multiple reasons credit unions may want to perform a change in terms, including a holiday skip pay, bringing a loan current, or changing a payment amount and/or due date. Each credit union may have its own set of reasons for processing a change in terms. A new feature has been implemented that allows each credit union to set up subsequent action types and perform subsequent action transactions as requested by members. The first phase of this feature allows for subsequent action on consumer loans (including loan drafts). Future phases of this feature include adding feeing capability as well as additional parameters, such as how many times per year a particular subsequent action can be performed. Manage Subsequent Action Types The first step to this feature involves setting up subsequent action types. To do this, the user (Institution Manager) must be given the authority to set up and maintain such types. This is accomplished by enabling the Subsequent Action Types option under the Institution role category. Page 364 of 424

365 A new option Subsequent Action Types will be presented under the Manager, Institution, and Consumer Loans menu. Page 365 of 424

366 The Manage Subsequent Action screen will be presented. The list of subsequent action types will be sorted by ascending Reason Number order. On this screen, the following functions can be performed: Add a subsequent action type Edit an existing subsequent action type View history performed on an existing subsequent type From the Subsequent Action Type list screen. Page 366 of 424

367 Adding/Modifying a Subsequent Action Type Up to 999 subsequent action types can be defined. When adding or modifying a Subsequent Action Type, the following fields will display: Reason Number The system will automatically default the next available Reason Number but allows change if adding a new subsequent action type. This number is unique per type. Description Defines the description for the type. Up to 50 alphanumeric characters can be entered. Status The status of a subsequent action type can be Active or Inactive. The default value when adding a type will be Active. However, credit unions may want to mark certain types inactive during certain time periods. For instance, a Holiday Skip may only be allowed during November or December. The user may mark the type inactive when not being offered. Also note that subsequent action types can not be deleted. If type is no longer desired, it can be marked Inactive. Last Updated When a new type is added or an existing type is changed, the Last Updated field will be changed to the current business date. This field will not display when adding a new subsequent action type. Page 367 of 424

368 When viewing History for the Subsequent Action Type, information such as Data Before, Data After, and Teller who performed the maintenance will be presented. To print history, simply click the option. Page 368 of 424

369 Performing Subsequent Action Maintenance at the Account Level In order to perform subsequent action maintenance at the account level, the user s role option Subsequent Action under Consumer Loans must be enabled. The Product Class screen (consumer loans and loan drafts) will contain an option that indicates whether loans set to the class are eligible for subsequent action. To allow subsequent action, set the Allow Subsequent Action field to Yes. Note: All classes will have a default value of Yes at implementation. Classes that do not support such maintenance should be changed to No. Page 369 of 424

370 To access the Perform Subsequent Action screen, select Subsequent Action from the Consumer Loan or Loan Draft selection menus. Page 370 of 424

371 The Perform Subsequent Action screen will be presented. This screen allows the user to view history of prior subsequent actions, select a reason for the current subsequent action, and perform file maintenance to key loan fields. It is separated into 3 sections: 4. Loan Information This section reflects current information for the loan that cannot be maintained on this screen such as its current balance. 5. Subsequent Action History This section allows user to view history of prior subsequent actions. The system will display subsequent action history for the loan in descending order by date. The user may click to view subsequent action history (see next page). If no previous subsequent action was found, a message No Subsequent Action history was found for this loan will be presented. 6. Subsequent Action Details Information such as type of subsequent action (all active types will be available for selection), interest rate, product class, etc. can be maintained. Information changed here will be retained in subsequent action history for the life of the loan Note: If Product Class is changed from one that supports subsequent action to one that does not support subsequent action, the current class setting will prevail and allow the subsequent action to be performed. Further subsequent action would be prevented from that point forward. Page 371 of 424

372 When clicking action. next to History, the following screen will display providing read only information about the subsequent Page 372 of 424

373 Warning Messages In certain cases, the following warning messages may be presented when performing subsequent action maintenance: If the class tied to the loan does not support subsequent action, the following message will be returned and the option will be unavailable to perform the subsequent action. In this case, the user will still have view only access to the Perform Subsequent Action screen even though the product class does not support Subsequent Action. This will be especially useful for loans linked to classes that used to allow for subsequent action that no longer do. If the officer who performed the disposition on the loan does not have permission to perform subsequent action, the following message will be returned. Permission is defined in the user s role under the Consumer Loans category Subsequent Action by Disposition Officer. At least one field (besides Type) must be modified for the Subsequent Action transaction to post. If no field has been modified, the following message will be presented. If the Date Next Payment is changed to a date prior to the current business date, the following warning message will be presented. Date Next Payment must match the Late Charge Date. If it doesn t, the following message will be presented. Page 373 of 424

374 If loan is a loan draft and the Date Next Payment is modified the following warning message will display Consumer Loan Maintenance The same fields that appear on Perform Subsequent Action screen will appear on the General Loan Information screen. If an attempt is made to maintain one of these fields on the consumer loan maintenance side, the following warning message will be presented. To continue with the maintenance, click. Subsequent action fields that are maintained from the General Loan Information screen will not update subsequent action history. Note: In a future release, a supervisor override will replace this warning message allowing credit unions more flexibility in controlling maintenance to subsequent action fields. Page 374 of 424

375 Security Changes Overview To allow access to add/maintain subsequent action types, the option Subsequent Action Types must be enabled under the Institution role category. To allow access to subsequent action maintenance for officers that did not perform the disposition on the loan enable the option Subsequent Action under the Consumer Loans role category. To allow access to subsequent action maintenance for officers who performed the disposition on the loan enable the option Subsequent Action by Disposition Officer under the Consumer Loans role category. Page 375 of 424

376 Report Changes The Consumer Loan Role report was modified to reflect the new subsequent action security additions. New New The Institution Role report was modified to reflect the new subsequent action type security addition. New Page 376 of 424

377 Subsequent Action Activity Report (RLN10510) A new report will be generated on a daily, monthly, and quarterly basis that presents Subsequent Action activity. Transactions that appear on these reports include all subsequent action activity that has been performed against a consumer loan or loan draft for a given day, month, or quarter. The File ID produced is TDBOiii (iii=credit union number). The report will also be archived in the credit union s archival system. If there is no activity, the report will still be produced, but will display a NO ACTIVITY TO REPORT message. Below is an example of a Daily Subsequent Action Activity Report. The Monthly and Quarterly reports will be very similar except they provide subsequent action transactions that occurred for the entire month or quarter. For the daily reports, the first section will consist of all Subsequent Action activity for the day. Each column such as Coll Type will have before and after values presented. The activity will be grouped by Branch, and then Subsequent Action type with subtotals provided for each one. A Grand Total will also be provided. Number of times Subsequent Action Type was performed Number of times Subsequent Action Type was performed Total number of times subsequent Action was performed (all types) Page 377 of 424

378 The second section presents Teller Activity and will be grouped by Teller Number, then Subsequent Action Type, with subtotals and totals provided for each, and a Grand Total. First Teller Information Number of times teller performed this subsequent Action type Total number of subsequent actions performed by teller Joe Smith Second Teller Information Total number of times subsequent Action was performed (all types & all tellers) Page 378 of 424

379 The third and final section of the report is a summary of Subsequent Action Types, Tellers, Branches, Product Classes, Collateral Codes, and Type Codes that had Subsequent Action transactions performed against each one. Page 379 of 424

380 IPB Listing Report (RMGIPC10) Users will notice that a new IPB Exception Flag 699 was added to control maintenance performed to subsequent action fields on the General Loan Information screen. Although the option was added to the report, it has not been fully implemented with this release. The default value at implementation is a 5 but can be changed at the credit union s request. To change the override level, please contact EPL Lending Support at eplodilending@epl.net. Page 380 of 424

381 Implementation Instructions: Step 1: The first step to using this feature is to enable the appropriate security options as follows: To allow access to add/maintain subsequent action types, the option Subsequent Action Types must be enabled under the Institution role category. To allow access to perform subsequent action for officers that did not perform the disposition on the loan, enable the option Subsequent Action under the Consumer Loans role category. To allow access to perform subsequent action for officers who performed the disposition on the loan, enable the option Subsequent Action by Disposition Officer under the Consumer Loans role category. Step 2: The second step is to setup the desired Subsequent Action Types. To do this, direct to Manager, Institution, Consumer Loans, and then Subsequent Action Types. Step 3: All Consumer and Loan Draft Product classes will default to Yes to allow subsequent action maintenance for loans tied to the class. Classes that do not support such maintenance should be updated to No to not allow subsequent action maintenance. Step 4: Direct to the Perform Subsequent Action screen and perform the desired maintenance. Step 5: If you are an in-house credit union, you will need to add the new program VCI105 to produce the new report Subsequent Action Activity Report (RLN10510) to your processing schedule. The File ID produced is TDBOiii (iii=credit union number) and it will need to be added to your archive system. If you are a data center credit union, EPL staff will handle this update for you. Step 6 (Optional): To change the default value of 5 for IP Exception Flag 699, please contact EPL Lending Support at eplodilending@epl.net Operational Changes: Execute program VCI105 as needed. The daily, month end and quarterly reports will be automatically produced when run at end of day, end of month, or end of quarter. For example, if program is run on 03/31/2008, Daily, Monthly and Quarterly reports will be produced. Sample Execution Statements To create the Subsequent Action Activity Report (RLN10510) without a date parameter (program will use IP_REPORT_DT): run_prod vci105 iii (iii=credit union number) To create the Subsequent Action Activity Report (RLN10510) for a particular date: run_prod vci105 iii mmddyy (uses date entered in execution statement transactions will be reported when this date = the tran business date) Page 381 of 424

382 MR Enhancements CQ# Subsequent Action Fees Currently, when performing a subsequent action, the user has to perform a separate miscellaneous transaction to charge the member a fee. With this feature, you now have the ability to set up specific fees for each subsequent action that you have setup in the system on the Manage Subsequent Action screen. These fees will be charged while performing a subsequent action on the Perform Subsequent Action screen. 1. From the main menu in i-power, select Manager > Institution > Consumer Loans > Manage Subsequent Action. The Manage Subsequent Action screen displays. 2. Select the subsequent action type you wish to enter the fee amounts to be charged and click the <Edit> icon. The Manage Subsequent Action Type screen displays, as shown below: 3. Click <Modify> to add the fees to the Fee Options section of the screen. On this screen, the user can select if he/she wants the fees to be automatically transferred from a suffix or not by using the Transfer Only option. The functionality of Transfer Only is to control the funds options available on the Funds Type box when assessing a subsequent action fee. This means that the system will only allow the fee to be performed as a transfer from another account. In other words, it cannot be taken by cash or by check. The benefit of this is that a transaction performed as a transfer will appear on the member s statement, whereas, if it was just taken by cash or check, it would not appear on a statement since it did not touch an account. This means that it allows the system to maintain a record of the member paying for the transaction. The user can transfer from a share, club, loan, etc. 4. Click <Save> when finished. Page 382 of 424

383 Maintaining Subsequent Actions on the General Loan Info screen Prior to this feature, several items that can be considered as Subsequent Actions were still maintained on the General Loan Info screen. Previously, we just warned users that they were changing a field that could be considered a subsequent action. The user would simply be presented with the statement You have modified a field that could potentially be considered a Subsequent Action. Select <OK> to proceed or <Cancel> to perform a subsequent action. Now we have an override flag that allows users the flexibility to set an override level on those same fields. With this feature, a new override (IP-EXCEPTION-FLAG 631) will be implemented for changing certain key Subsequent Action fields from the General Loan Info screen. If desired, this override can be set to a level high enough to force the user to use the Subsequent Action transaction. Any modifications on the following fields from the General Loan Info screen will invoke the new override: Date Next Payment Late Charge Date Payment Amount Interest Rate LOC Amount LOC Expiration Date The following fields will not require an override for modifications from the General Loan Info screen: Product Class Collateral Code Type Code Performing a Subsequent Action 1. From the Member Profile in i-power, click on the loan suffix you wish to perform a subsequent action for as shown below: Page 383 of 424

384 2. The Perform Subsequent Action screen displays: 3. Select the type of subsequent action you wish to perform from the drop-down list of options in the Type field. The fee amount will display as defaulted in from the selected subsequent action type. If there is a fee amount, the Charge Fee checkbox will default to checked, but the user can choose to uncheck it and waive the fee. If the selected subsequent action type does not have a fee, the checkbox will be unchecked and disabled. Furthermore, depending on whether there is a fee or not determines if the user sees a <Save> or <Next> button on this screen. No fee will just allow the user to <Save> the subsequent action and charging a fee will direct them to the monetary screen by clicking <Next>. 4. Make the appropriate change based on the type of subsequent action you have chosen. 5. Click <Next>. NOTE: On the Perform Subsequent Action screen, if the user removes the check mark from the charge fee box, an override will be required to waive the fee. Page 384 of 424

385 6. The Subsequent Action Fee screen displays as shown below: 7. The new Subsequent Action Fee screen displays the standard account header, Funds box and applicable standard monetary transaction fields such as Transaction Amount and Transaction Description. Enter the following fields as necessary: 8. Transaction Amount. The transaction amount is the fee amount. The transaction amount will be the fee amount defaulted in from the selected Subsequent Action Type. The transaction amount will be disabled, since the fee amount cannot be modified, it can only be waived or assessed. The transaction amount will update the fee amount in the Subsequent Action History and will display on the report. If no fee is charged, the fee amount will display as Funds Required/Cash Back/Difference. This is a calculated field and will be disabled since the Transaction Amount is set and cannot be changed. The label for this field changes dynamically based on activity on the screen. For example, at first the label will be Funds Required and will contain the amount of the fee (transaction amount). As the user enters the funds amounts, the label may change to Cash Back or Difference. When the user needs to enter funds to satisfy the transaction amount, the label will display Funds Required with the amount of funds that are required. When the user enters funds amounts that are greater than the transaction amount, the label will display Cash Back and show the amount of cash due back to the member. When the transaction amount and the amount of funds entered are the same, the label will display Difference and will show 0.00 Page 385 of 424

386 10. Transaction Description. The user can choose to enter a custom transaction description that will print on the member receipt, appear in the history and print on the member statement. It will also flow through to the General Ledger. If nothing is entered, the default description that will appear on the member statement is Loan Subsequent Action Fee. 11. Effective Date. The credit union s current business date will be the default value. A future date is not allowed, but a prior date will follow existing posting rules; for example, the date may be backdated if not prior to the last statement created. If a transaction exists prior to the effective date, the system will prompt for a Supervisor Override, etc. 12. Print Mail Receipt. This field indicates whether the receipt will contain the member address along with name in certain location as for display in the window of a standard business size envelope. 13. Print Account Number and Print Balance. These two options indicate whether the account number-suffix and balance will print on the receipt or will be masked (e.g. XXXX-XX). 14. Funds Types. The only funds types valid for Subsequent Action Fee are Cash, Check, Transfer, and CU Check. If the chosen Subsequent Action Type is set to allow Transfer Only, then only Transfer will be available and the screen will not display Cash, Check, or CU Check. 15. Transfer from Loan. The system will allow the Subsequent Action Fee to be charged to the loan account by selecting the loan account and suffix as the Transfer From account on the Transfer From Details screen. The transaction will post to the loan as an add-on. 16. Transaction Complete. When the transaction has successfully posted, the system will display the Transaction Complete screen. The Tran Type will display as Sub Action Fee. 17. Hot Keys. Hot key <Enter> will execute the "Post" button so the user will be able to hit the <Enter> key to post the transaction. In addition, each funds type will have a hot key to go the applicable details screen, as described below: Ctrl + 1 will take to Cash Details screen Ctrl + 2 will take to Check Details screen Ctrl + 3 will take to Transfer From Details screen Ctrl + 5 will take to Check Details screen NOTE on Open-End Loans: A new override (IP-EXCEPTION-FLAG 633) will be implemented for charging a Subsequent Action Fee for an open-end loan. If the transfer is made from a loan suffix, it will be considered a loan add on but if it s being transferred from an open-end loan, an override may be required. The reason for this override is because with open-end loans, you have to be careful about charging fees which can be considered a pre-paid finance charge. Our system does not currently support pre-paid finance charges for open-end loans, so this override will allow the credit union to shut down the ability to charge a fee on an open-end loan (or at least require an override) so that they can determine if the fee meets the criteria for pre-paid finance charge. If desired, this override can be set to a level high enough (9) to never allow a fee to be charged on a Subsequent Action transaction for an open-end loan. Likewise, it can be set to 0 and never require an override or to a level 1-8 that allows the fee to be charged by entering the override by a user with sufficient override level. The default override level will be 5. An open-end loan for these purposes will be defined as a loan with a collateral code that falls within the high-low range in the institution settings or for which the member has signed an open-end agreement. Page 386 of 424

387 Reports In addition to showing the activity for each Subsequent Action type, the reports show the totals and sub-totals for each category. The change with this feature was to add the fee amount to each transaction and calculate the totals and sub-totals for each category. Implementation Instructions: Step 1: Update YH0999 File with New Transaction Codes and Descriptions. EPL Data Center customers can contact EPL ODI Deposits at , Option 2 or at EPLODIDeposits@epl.net to update their transaction code table. File layout Edit the YH0999 file found in the parm folder. Insert the following transaction codes and descriptions in the appropriate section: CBSA Club SUBSEQUENT ACTION FEE LNSA Loan SUBSEQUENT ACTION FEE MMSA Money Market Draft SUBSEQUENT ACTION FEE SAC_ SUBSEQUENT ACTION FEE by CASH SACC SUBSEQUENT ACTION FEE by CHECK SAC* SUBSEQUENT ACTION FEE by CU CHECK SDSA Share Draft SUBSEQUENT ACTION FEE SHSA Share SUBSEQUENT ACTION FEE Column(s) Field Length Field Type Field Description Blank Spaces Alpha Tran code 12 1 Blank Space Alpha Tran Description Blank spaces Must bring down the online after updating YH0999 file for the changes to be effective. The YH0999 file can be updated while the online is down during code deployment. When the online is brought back up, the changes will become effective. Step 2: Add New Subsequent Action Fee Tran Codes to General Ledger Tran Code Table Update G905_iii (found in the parm folder) with the following new transaction codes: Tran Code Bucket 1 Bucket 5 Description CBSA Equity Account Income Fee Account Subsequent Action Fee-Club MMSA Equity Account Income Fee Account Subsequent Action Fee-MMA SAC_ Income Fee Account XXXXXXXX Subsequent Action Fee-Cash SACC Income Fee Account XXXXXXXX Subsequent Action Fee-Check SAC* Income Fee Account XXXXXXXX Subsequent Action Fee-CU CK SDSA Equity Account Income Fee Account Subsequent Action Fee-Draft SHSA Equity Account Income Fee Account Subsequent Action Fee-Share Tran Code Bucket 2 Bucket 5 Description LNSA Income Fee Account Loan Principal GL Loan subsequent Action Fee-LN Page 387 of 424

388 Example Card file below: Note: Line items should end in Column 81. Once the file is completed, you will need to copy the file to the PARM folder and run VGU905 with SW 5 on. Then to double check you work, run VGU905 with SW1 on and review your report to make sure your transaction code table was updated. EPL Data Center customers can contact EPL ODI Deposits at , Option 2 or at EPLODIDeposits@epl.net to update their transaction code table. Page 388 of 424

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