Inside This Issue. December E-FORMS End-User Product Update

Transcription

1 E-FORMS End-User Product Update December 2012 To learn more about Wolters Kluwer Financial Services, visit our web site at Information on E-Forms is found by typing E-Forms in the Search box. Electronic Forms Support Technical Support , Ext (available from 7 A.M. to 7 P.M.) contentsupport@wolterskluwer.com (Please type E-Forms in the subject line.) Voice mail and are checked hourly between 8 A.M. and 5 P.M. Central Standard Time. Quotes and Order Information for Custom and OCP E-Forms Please contact your Account Representative. Invoicing , Ext Forms Use and Compliance Questions IRA Forms Questions Real Estate Lending Forms Financial Institutions Other Lending and Deposit Forms Financial Institutions The objective of this monthly product update is to provide a recap of regulatory-driven form changes, form enhancements, and new forms that are being developed. You will receive a description of these changes so that you can plan ahead for implementing them. We believe this service enhances the value of our electronic forms offering while providing the extra level of service you have come to expect from Wolters Kluwer Financial Services Bankers Systems. We welcome your comments, suggestions, or ideas for enhancements to this update. Inside This Issue Lending IRA Multistate Forms... Page 2 Multistate Forms... Page 7 State-Specific Forms Massachusetts... Page 4 Glossary of Terminology... Page 10 Montana... Page 4 Completed Forms Grid... Page 13 South Dakota... Page 5 Deposit Multistate Forms... Page 5 Please have your customer number available when contacting us. Wolters Kluwer Financial Services P.O. Box 1457 St. Cloud, MN

2 Lending Electronic Modules COM, CONCU, FCM, GSM, HEM, HIM, LEM, MHM, MVM, REMCU, TPM LENDING MULTISTATE FORMS New Technical with Discretionary Implementation Date RISK-NR-BHPH - Risk-Based Pricing Notice NR Buy-Here Pay-Here Dealers This new form is a Risk-Based Pricing Notice - Exception Form for Credit not Secured by Residential Real Property created specifically for use by Buy-Here, Pay-Here dealers (BHPH) and any other dealers/sellers regulated by the CFPB. BHPH dealers are regulated by the CFPB but most other motor vehicle dealers are regulated by the FTC. The CFPB and FTC each have regulations requiring risk based pricing notices. The existing RISK- NR-DLR addresses the FTC regulation and provides the FTC name and contact information in the "How can you get more information?" section. This new form addresses the CFPB regulation by providing the CFPB name and contact information in that section. It is required for BHPH motor vehicle dealers and also other dealers/sellers who are regulated by the CFPB. (See generally Sec of the Consumer Financial Protection Act of 2010.) Because this form is designed for use by sellers, "Lender" and "Borrower" references are changed to "Seller" and Buyer" and "loan" references are changed to "credit". In all other respects, this form follows Model H-4 of the CFPB's regulation. (See 12 CFR (e) and Model H-4 in 12 CFR Part 1022, Appendix H.) BHPH dealers (and other dealers/sellers regulated by the CFPB) must begin using the CFPB's name and contact information in the "How can you get more information?" section on or before January 1, As a result, covered dealers/sellers should transition from the RISK-NR-DLR form to the RISK- NR-BHPH form on or before January 1, UCA-RE Universal Credit Application for Real Estate UCA-RE-WOGM - Universal Credit Application for Real Estate (Without Government Monitoring) The consent authorization for contacting the consumer by telephone will be enhanced to clarify the language, to extend the authorization to any telephone numbers that the consumer subsequently provides to the creditor and to make the language consistent across other UCA-family credit applications. This consent provision is recommended as a result of revisions to the FCC's final regulations on Restrictions on Telemarketing, Telephone Solicitation and Facsimile Advertising (47 CFR ) that implement the Telephone Consumer Protection Act (47 U.S.C. 227), as amended. VMP9045T Request for Transcript of Tax Returns IRS 4506T BSI-JS1-1CS /1/07 Wolters Kluwer Financial Services [FORM NUMBER] [JOB NUMBER] [DATE]

3 E-FORMS End-User Product Update Wolters Kluwer Financial Services has revised this form to insert a data field for esignatures. This is in response to an IRS policy change allowing use of electronic signatures on their form 4506-T beginning January To accommodate the ESIG fields, the WKFS tagline was reduced to one line removing the optional loan account number (right, center, left) data fields at the bottom of the page. The optional data field at the top of the page for loan account number was increased to 20 characters. Discontinued -Effective (No replacement) To learn more about Wolters Kluwer Financial Services, visit our web site at Information on E-Forms is found by typing E-Forms in the Search box. Electronic Forms Support Technical Support , Ext (available from 7 A.M. to 7 P.M.) contentsupport@wolterskluwer.com (Please type E-Forms in the subject line.) Voice mail and are checked hourly between 8 A.M. and 5 P.M. Central Standard Time. Quotes and Order Information for Custom and OCP E-Forms Please contact your Account Representative. Invoicing , Ext Forms Use and Compliance Questions IRA Forms Questions Real Estate Lending Forms Financial Institutions Other Lending and Deposit Forms Financial Institutions Please have your customer number available when contacting us. Wolters Kluwer Financial Services P.O. Box 1457 St. Cloud, MN VMP849N ARM Note Fannie Mae - Multistate, AK, FL, LA, NC, NH, TX, VA VT, WI, WV) VMP849R- ARM Rider Fannie Mae Multistate and state specific for NC VMP868R Multistate, OR VMP869N Multistate, AK, FL, LA, NY, VA, VT, WI, WV VMP870N Multistate, AK, FL, LA, NH, NY, VA, VT, WI, WV VMP871N Multistate, CA, ME, NC, NY, VMP872R Multistate, CA, ME, NC, NY VMP877R Multistate, NC, OR, TN, TX VMP876R Multistate, OR, TN, VT VMP878N Multistate, NC VMP879N Multistate, NC VMP879NNC Effective March 1, 2013, Wolters Kluwer Financial Services will no longer provide and will discontinue support of the balloon mortgage documents. Freddie Mac announced in Freddie Mac s Bulletin that they will be discontinuing the Freddie Mac Balloon/Reset Mortgages effective Jan. 1, Previously, Fannie announced in their Announcement SEL , dated April 30, 2010, the retirement of balloon mortgage loans. 3

4 LENDING STATE-SPECIFIC FORMS Massachusetts Compliance without Required Effective Date VMP30MA - Adverse Action-Statement of Credit Denial VMP126MA - Adverse Action-Right to Request Specific Reasons for Credit Denial VMP132MA - Adverse Action Counteroffer The "Gender Identity Act (Chapter 199, 2011) became effective July 1, 2012 and prohibits discrimination for gender identity. The Regulation B Adverse Action notices are being updated to include the Massachusetts anti-discrimination language after the text of the federal ECOA notice and the name and address of the appropriate federal agency: "Massachusetts Fair Housing laws (M.G.L. c. 151B, s. 4 and 804 CMR 0200) prohibit discrimination because of race, color, religious creed, national origin, sex, gender identity, age, ancestry, veteran status, sexual orientation, marital status, children, handicap, and receipt of public assistance or housing subsidy in the selling, renting or leasing of housing accommodations, commercial space, or land intended for use as such." This language is being inserted as a market requirement to mitigate potential confusion with the federal ECOA notice and to satisfy market requirements. Website Link: Montana BTA-1-MT - Application for Certificate of Title for a Vessel The Montana Motor Vehicle Division has updated their Application for Certificate of Title for a Vessel (MV1A) with a revision date of 10/12. We are updating BTA-1-MT to match the states changes. The phone number has changed from (406) to (406) EFS-1-MT - Effective Financing Statement The state of Montana has updated their Instructions for Completing Effective Financing Statement form with a revision date of 09/20/2012. We are updating EFS-1-INS-MT to match the states changes. They have deleted sections "RETURN NAME/ADDRESS:" and "PREPAID ACCOUNT:" along with other minor changes made to the document. MV-1-MT - Application for Certificate of Title for Motor Vehicle BSI-JS1-1CS /1/07 Wolters Kluwer Financial Services [FORM NUMBER] [JOB NUMBER] [DATE]

5 E-FORMS End-User Product Update The Montana Motor Vehicle Division has updated their Application for Certificate of Title for a Motor Vehicle (MV1) with a revision date of 10/12. We are updating our MV-1-MT to match the states changes. The phone number at the top of the document has changed. Other minor changes have been made to the document. South Dakota To learn more about Wolters Kluwer Financial Services, visit our web site at Information on E-Forms is found by typing E-Forms in the Search box. Electronic Forms Support Technical Support , Ext (available from 7 A.M. to 7 P.M.) contentsupport@wolterskluwer.com (Please type E-Forms in the subject line.) Voice mail and are checked hourly between 8 A.M. and 5 P.M. Central Standard Time. Quotes and Order Information for Custom and OCP E-Forms Please contact your Account Representative. Invoicing , Ext Forms Use and Compliance Questions IRA Forms Questions Real Estate Lending Forms Financial Institutions Other Lending and Deposit Forms Financial Institutions Please have your customer number available when contacting us. Wolters Kluwer Financial Services P.O. Box 1457 St. Cloud, MN TRUSTCERT-SD Certificate of Trust We are revising this form to make it more consistent with the elements for trust certificates as spelled out in the South Dakota statutes. Deposit Electronic Modules DEM and DEMCU DEPOSIT MULTISTATE FORMS ACH-AFF - Written Statement of Unauthorized Electronic (ACH) Debit We are revising and greatly simplified the Written Statement of Unauthorized Electronic (ACH) Debit (formerly "Written Statement of Unauthorized Debit") to more closely base the form on the plain language sample form suggested by the National ACH Association (NACHA) Operating Guidelines. Previous revisions of the form contained more complex options and unnecessarily relied on ACH system terminology that was not well suited to a document intended to be signed by consumers not familiar with the ACH system or its jargon. In the process of updating this document, some outdated terms were removed as well. None of these changes are mandatory, and none preclude continued use of the previous revision of this document. One new provision is the option allowing the consumer to report an otherwise authorized debit as having been incomplete in processing. This option anticipates an ACH Rule scheduled to go into effect March 15, 2013, providing a rule framework resolving a situation that is already occurring in the marketplace, in which some third party processors have failed in some cases to complete final payment to the Receiver of an otherwise authorized debit. In announcing the rule change, NACHA provided the following background [edited for brevity]: "In situations where a Third-Party Sender debits a Receiver but does not complete the intended transaction by paying the Receiver s obligation to the payee, the underlying transaction is incomplete (an "Incomplete Transaction"). Incomplete Transactions create service issues for RDFIs, 5

6 particularly when a Third-Party Sender fails to perform its obligations across a large number of customers. RDFIs become inundated by customers to whom they cannot offer a Rules-based solution.... [The rule effective March 15, 2013] will permit a consumer Receiver to request re-credit for a debit Entry to the Receiver s account when it is part of an Incomplete Transaction. The rule will also specifically provide for the return of such a debit by the RDFI, putting the obligation for the debit back with the ODFI where it rightfully belongs....specifically, the rule will require an RDFI to recredit a consumer Receiver for a debit that is part of an Incomplete Transaction if the consumer has provided a Written Statement of Unauthorized Debit." Additional information about the Incomplete Transactions rule change is available at ID-INFO-IND - Identity Information - Individual ID-INFO-ENT - Identity Information Entity or Business We are creating both a single-individual identity information document and a single-entity identity information document for our deposit e-forms modules to enable customers to record party information for each party on a transaction separately from the others. These documents contain no contract provisions and arguably do not even need to be provided as copies to the parties detailed, but the documents do allow the information to be recorded and recalled separately, by party, as the financial institution may wish to do as part of their documented Customer Identification Program (CIP) recordkeeping procedures. Form ID-INFO-IND is the Identity Information record for individual parties. Form ID-INFO-ENT is the Identity Information record for businesses or other ventures or non-individual entities. (For a sole proprietorship or other venture that doesn't necessarily constitute a separate legal entity, a user would use discretion, as informed by internal CIP or other policies, as to whether one or both of these documents would be used for the party. A sole proprietorship will often consist of business information such as a business name/address, EIN, business license, business name registration or other identifying data that would be wanted in addition to the sole proprietor's personal identification -- home address, SSN, driver s license, date of birth, home phone, etc.) We will also endeavored to format and lay out these documents so that they may be printed "blank" and used for manual data collection in the odd circumstance where data collection is not electronic. (For example, sometimes the agents on a business account need to be identified under the financial institution's CIP procedures but are not available at account opening.) Bearing this type of use scenario in mind, the documents do also include the CIP "Adequate Notice" disclosure at the beginning of the document. Separate identification documents allow the agents to separately provide information while protecting one another from access to the others' data. The per-party format also allows space for more alternate information than other formats available in our E-Forms offerings, including space accommodating user-defined data collection that may further establish the party's relationship profile or document internal procedural notes. (For example, for addresses, employment, or other financial relationship fields, users may want to use the extra space to prompt for dates or period of time. For an individual, some users may wish to prompt for mother's maiden name or information BSI-JS1-1CS /1/07 Wolters Kluwer Financial Services [FORM NUMBER] [JOB NUMBER] [DATE]

7 E-FORMS End-User Product Update about a contact person who will always know one's whereabouts. For businesses or entities, users may wish to collect information about geography of operation, anticipated transaction activity, or other identification or relationship profiling questions.) To learn more about Wolters Kluwer Financial Services, visit our web site at Information on E-Forms is found by typing E-Forms in the Search box. Electronic Forms Support Technical Support , Ext (available from 7 A.M. to 7 P.M.) contentsupport@wolterskluwer.com (Please type E-Forms in the subject line.) Voice mail and are checked hourly between 8 A.M. and 5 P.M. Central Standard Time. Quotes and Order Information for Custom and OCP E-Forms Please contact your Account Representative. Invoicing , Ext Forms Use and Compliance Questions IRA Forms Questions Real Estate Lending Forms Financial Institutions Other Lending and Deposit Forms Financial Institutions Please have your customer number available when contacting us. Wolters Kluwer Financial Services P.O. Box 1457 St. Cloud, MN Previously, for the purposes described above, E-forms users had as options only the "AIS" form (for users of the MPSC-LAZ-XX style signature card, who also happen to be the ideal users of the new forms) or the equivalent content as it is combined into the MPMP- LAZ-XX style signature cards. These options still exist for users who prefer them, but the new forms will serve those users who want more space for data entry or alternative data collection, records that don't cluster multiple parties' data on the same page, or an output that doesn't generate awkward empty spaces when few parties apply or require awkward overflow contingencies when many parties apply. IRA Electronic Modules IEM and HSM IRA MULTISTATE FORMS HSA-APP-LAZ Health Savings Account (HSA) Application The contribution type of 'Rollover from a Health Reimbursement Arrangement/Health Flexible Spending Account' will be removed because this provision was only available through tax year The checkboxes requesting the gender of the HSA owner will be removed. The IRS does not require the collection of this information. HSA-ROLREVLZ Health Savings Account (HSA) Application The rollover eligibility review questions for 'Rollover from a Health Reimbursement Arrangement (HRA) to an HSA' and 'Rollover from a health Flexible Spending Account (FSA) to an HSA' will be removed because these provisions were only available through tax year IRA-49-LAZ Traditional IRA Organizer - Custodial IRA-49CU-LAZ Traditional IRA Organizer - Credit Union 7

8 IRA-49SD-LAZ Traditional IRA Organizer - Self-Directed IRA-49T-LAZ Traditional IRA Organizer - Trust These forms are being revised due to the Internal Revenue Service (IRS) release of Revenue Procedure which provides cost-of-living adjustments to amounts for IRAs in 2013, the FAA Modernization and Reform Act of 2012, and other miscellaneous changes. The primary changes include: Application Removing the checkboxes requesting the gender of the IRA owner. The IRS does not require the collection of this information. Traditional Disclosure Statement Eligibility and Contributions. Updated the Maximum Contribution Limits and Tax Deductions sections with the current years' limits. Moving Assets To and From IRAs. Added a section for Rollovers Due to Airline Carrier Bankruptcy. The FAA Modernization and Reform Act of 2012 amended the Worker, Retiree, and Employer Recovery Act of 2008 to allow a qualified airline employee who receives an airline payment amount, as defined by law, the option of rolling over this amount to a traditional IRA. IRABKLTCLAZ Traditional IRA Booklet - Custodial IRABKLTSDLAZ Traditional IRA Booklet - Self-Directed IRABKLTTLAZ Traditional IRA Booklet - Trust These forms are being revised due to the Internal Revenue Service (IRS) release of Revenue Procedure which provides cost-of-living adjustments to amounts for IRAs in 2013, the FAA Modernization and Reform Act of 2012, and other miscellaneous changes. The primary changes include: Traditional IRA Disclosure Statement Eligibility and Contributions. Updated the Maximum Contribution Limits and Tax Deductions sections with the current years' limits. Moving Assets To and From IRAs. Added a section for Rollovers Due to Airline Carrier Bankruptcy. The FAA Modernization and Reform Act of 2012 amended the Worker, Retiree, and Employer Recovery Act of 2008 to allow a qualified airline employee who receives an airline payment amount, as defined by law, the option of rolling over this amount to a traditional IRA. IRACUROTHLAZ Roth IRA Organizer - Credit Union IRACUSROTHLZ Roth IRA Organizer - Custodial BSI-JS1-1CS /1/07 Wolters Kluwer Financial Services [FORM NUMBER] [JOB NUMBER] [DATE]

9 E-FORMS End-User Product Update IRASDROTHLAZ Roth IRA Organizer - Self-Directed These forms are being revised due to the Internal Revenue Service (IRS) release of Revenue Procedure which provides cost-of-living adjustments to amounts for IRAs in 2013 and other miscellaneous changes. The primary changes include: Application To learn more about Wolters Kluwer Financial Services, visit our web site at Information on E-Forms is found by typing E-Forms in the Search box. Electronic Forms Support Technical Support , Ext (available from 7 A.M. to 7 P.M.) contentsupport@wolterskluwer.com (Please type E-Forms in the subject line.) Voice mail and are checked hourly between 8 A.M. and 5 P.M. Central Standard Time. Quotes and Order Information for Custom and OCP E-Forms Please contact your Account Representative. Invoicing , Ext Forms Use and Compliance Questions IRA Forms Questions Real Estate Lending Forms Financial Institutions Other Lending and Deposit Forms Financial Institutions Please have your customer number available when contacting us. Wolters Kluwer Financial Services P.O. Box 1457 St. Cloud, MN Removed the checkboxes requesting the gender of the Roth IRA owner. The IRS does not require the collection of this information. IRS Form 5305-RA, Roth Individual Retirement Custodial Account Article IX Spouse Beneficiary. Updated this section to include information regarding the default election for a spouse beneficiary. Roth IRA Disclosure Statement Roth IRA Eligibility and Contributions. Updated the Limitations on Contributions and Maximum Contribution Limits sections with the current years' limits. IRATROTHLAZ Roth IRA Organizer - Trust This form is being revised due to the Internal Revenue Service (IRS) release of Revenue Procedure which provides cost-of-living adjustments to amounts for IRAs in 2013 and other miscellaneous changes. The primary changes include: Application Removed the checkboxes requesting the gender of the Roth IRA owner. The IRS does not require the collection of this information. IRS Form 5305-R, Roth Individual Retirement Trust Account Article IX Spouse Beneficiary. Updated this section to include information regarding the default election for a spouse beneficiary. Roth IRA Disclosure Statement Roth IRA Eligibility and Contributions. Updated the Limitations on Contributions and Maximum Contribution Limits sections with the current years' limits. 9

10 IRABKCROTHLZ Roth IRA Booklet - Custodial IRABKSDRTHLZ Roth IRA Booklet - Self-Directed These forms are being revised due to the Internal Revenue Service (IRS) release of Revenue Procedure which provides cost-of-living adjustments to amounts for IRAs in 2013 and other miscellaneous changes. The primary changes include: IRS Form 5305-RA, Roth Individual Retirement Custodial Account Article IX Spouse Beneficiary. Updated this section to include information regarding the default election for a spouse beneficiary. Roth IRA Disclosure Statement Roth IRA Eligibility and Contribution. Updated the Limitations on Contributions and Maximum Contribution Limits sections with the current years' limits. IRABKTROTHLZ Roth IRA Booklet - Trust This form is being revised due to the Internal Revenue Service (IRS) release of Revenue Procedure which provides cost-of-living adjustments to amounts for IRAs in 2013 and other miscellaneous changes. The primary changes include: IRS Form 5305-R, Roth Individual Retirement Trust Account Article IX Spouse Beneficiary. Updated this section to include information regarding the default election for a spouse beneficiary. Roth IRA Disclosure Statement Roth IRA Eligibility and Contributions. Updated the Limitations on Contributions and Maximum Contribution Limits sections with the current years' limits. Glossary of Terminology We are adding, to our monthly E-Forms Partner Product Update, a glossary of terminology to provide more accurate and consistent communication. We hope the clarification will be useful to you. Compliance with Required Effective Date (xx/xx/xx) The new or revised document is being driven by legislative or regulatory mandate and is required to be implemented by the effective date indicated. Compliance without Required Effective Date BSI-JS1-1CS /1/07 Wolters Kluwer Financial Services [FORM NUMBER] [JOB NUMBER] [DATE]

11 E-FORMS End-User Product Update The new or revised document is being driven by legislative or regulatory mandate, but the mandate has not defined an implementation date. All parties (Wolters Kluwer Financial Services, alliance, and customer) must respond in as timely manner as possible to implement. The new or revised document has: To learn more about Wolters Kluwer Financial Services, visit our web site at Information on E-Forms is found by typing E-Forms in the Search box. Electronic Forms Support Technical Support , Ext (available from 7 A.M. to 7 P.M.) contentsupport@wolterskluwer.com (Please type E-Forms in the subject line.) Voice mail and are checked hourly between 8 A.M. and 5 P.M. Central Standard Time. Quotes and Order Information for Custom and OCP E-Forms Please contact your Account Representative. Invoicing , Ext Forms Use and Compliance Questions IRA Forms Questions Real Estate Lending Forms Financial Institutions Other Lending and Deposit Forms Financial Institutions Please have your customer number available when contacting us. Wolters Kluwer Financial Services P.O. Box 1457 St. Cloud, MN A change in feature or function of a Wolters Kluwer Financial Services document driven by market and customer input to be more useful or easier to use. Wolters Kluwer Financial Services determined clarification or enhancement of a Wolters Kluwer Financial Services document to provide added value. Update to a state or federal form in terms of verbiage or fields which has been incorporated to match the government s changes. The old version of the form is still compliant; however, future revisions driven by legislative and regulation imperatives will be rendered on the new version of the form, not the old version. The implementation time frame by alliance and customer is discretionary, but it is incumbent on the parties to implement in a timely manner so as to not jeopardize continued compliance. (Note: Government form revisions may drive a timelier implementation.) Discontinued with Discretionary Implementation Date The document is being discontinued and replaced by another document as specified. The discontinued document is still compliant; however, future revisions driven by legislative and regulation imperatives will be rendered on the new version of the document, not the old version. The implementation time frame by alliance and customer is discretionary, but it is incumbent on the parties to implement in a timely manner so as to not jeopardize continued compliance. Discontinued with Termination Date (xx/xx/xx) The form is being discontinued and no longer supported. There is no replacement form designated and form will not be supported at specified date. The action could be driven by several causes such as removal of compliance requirement or business decision to not support a line of business. Technical with Discretionary Implementation Date The new or revised document has a change that relates to the technical structure of the e-form which is non-regulatory and/or non-visible to the form s end user. For example, such changes could be the size of a data field on the e-form or field label which is not visible to the end customer. The document implementation is discretionary, but should 11

12 be accomplished in a timely manner. Technical changes are not communicated in the E-Forms Partner Newsletter, but in the full release. Revision Date The revision date on the form is the date which Wolters Kluwer Financial Services compliance services initiated making form changes that were Compliance, Market, or Technical in category. The revision date is not the date at which the form was available to alliances or customers. The process time from start of revision to release varies and is dependent on the number documents and jurisdictions affected by regulation change, size of document change, and priority. About Wolters Kluwer Financial Services Wolters Kluwer Financial Services is a leading provider of regulatory compliance solutions and services for banking, securities, and insurance focused on helping meet your business objectives. To learn more, please visit BSI-JS1-1CS /1/07 Wolters Kluwer Financial Services [FORM NUMBER] [JOB NUMBER] [DATE]

13 COMPLETED FORMS GRID December 2012 Below is a list of the E-Forms, sorted by file name, which were recently completed in Compliance Services. File Name Form Name Description Revision Date AKTCCU TC-CU-AK Terms & Conditions Alaska 08/15/2012 ALTCCU TC-CU-AL Terms & Conditions - Alabama 08/15/2012 ARTCCU TC-CU-AR Terms & Conditions- Arkansas 08/15/2012 AZTCCU TC-CU-AZ Terms & Conditions -Arizona 08/15/2012 CATCCU TC-CU-CA Terms & Conditions - California 08/15/2012 COTCCU TC-CU-CO Terms & Conditions - Colorado 08/15/2012 DCTCCU TC-CU-DC Terms & Conditions Washington DC 08/15/2012 DETCCU TC-CU-DE Terms & Conditions- Delaware 08/15/2012 FLTCCU TC-CU-FL Terms & Conditions- Florida 08/15/2012 GATCCU TC-CU-GA Terms & Conditions - Georgia 08/15/2012 HITCCU TC-CU-HI Terms & Conditions - Hawaii 08/15/2012 IATCCU TC-CU-IA Terms & Conditions - Iowa 08/15/2012 IDTCCU TC-CU-ID Terms & Conditions - Idaho 08/15/2012

14 ILTCCU TC-CU-IL Terms & Conditions - Illinois 08/15/2012 INRSGFLZ RSSIGSLFLZIN Retail Installment Contract Goods & Services - Indiana 11/11/2012 INRSIGLF RSSIGSLFAZIN Retail Estate Mortgage- Indiana 11/11/2012 INRSMFAZ RSSIMVLFAZIN Retail Installment Contract Motor Vehicle- Indiana 11/11/2012 INRSMFLZ RSSIMVLFLZIN Retail Installment Contract Motor Vehicle- Indiana 11/11/2012 INTCCU TC-CU-IN Terms & Conditions- Indiana 08/15/2012 KSTCCU TC-CU-KS Terms & Conditions - Kentucky 08/15/2012 KYMV1 MV-1-KY Title Application- Kentucky 10/26/2012 KYTCCU TC-CU-KY Terms & Conditions- Kentucky 08/15/2012 LATCCU TC-CU-LA Terms & Conditions- Louisiana 08/15/2012 MATCCU TC-CU-MA Terms & Conditions - Massachusetts 08/15/2012 MD1034 VMP1034MD Affidavit of Refinancing Exemption - Maryland 10/01/2011 MDTCCU TC-CU-MD Terms & Conditions - Maryland 08/15/2012 METCCU TC-CU-ME Terms & Conditions - Maine 08/15/2012 MITCCU TC-CU-MI Terms & Conditions - Montana 08/15/ Wolters Kluwer Financial Services BC EFP-0110-NL 1/15/10

15 MNBTA1 BTA-1-MN Boat Title and Application - Minnesota 07/27/2012 MNMV1 MV-1-MN Application For Certificate Title & Registration - Minnesota 10/19/2012 MNRSGFLZ RSSIGSLFLZMN Retail Installment Contract Goods & Services - Minnesota 11/11/2012 MNRSIGLF RSSIGSLFAZMN Retail Estate Mortgage - Minnesota 11/11/2012 MNRSMFAZ RSSIMVLFAZMN Retail Installment Contract Motor Vehicle - Minnesota 11/11/2012 MNRSMFLZ RSSIMVLFLZMN Retail Installment Contract Motor Vehicle - Minnesota 11/11/2012 MNRSMLFI RSIMVLFFIZMN Retail Installment Contract Motor Vehicle - Minnesota 11/11/2012 MNTCCU TC-CU-MN Terms & Conditions - Minnesota 08/15/2012 MOTCCU TC-CU-MO Terms & Conditions - Missouri 08/15/2012 MSTCCU TC-CU-MS Terms & Conditions - Mississippi 08/15/2012 MTTCCU TC-CU-MT Terms & Conditions - Montana 08/15/2012 NCTCCU TC-CU-NC Terms & Conditions North t Carolina 08/15/2012 NDTCCU TC-CU-ND Terms & Conditions North Dakota 08/15/2012 NETCCU TC-CU-NE Terms & Conditions - Nebraska 08/15/2012 NHTCCU TC-CU-NH Terms & Conditions New Hampshire 08/15/ Wolters Kluwer Financial Services BC EFP-0110-NL 1/15/10

16 NJTCCU TC-CU-NJ Terms & Conditions New Jersey 08/15/2012 NMTCCU TC-CU-NM Terms & Conditions New Mexico 08/15/2012 NVTCCU TC-CU-NV Terms & Conditions - Nevada 08/15/2012 NYTCCU TC-CU-NY Terms & Conditions New York 08/15/2012 OHTCCU TC-CU-OH Terms & Conditions - Ohio 08/15/2012 OKRSGFLZ RSSIGSLFLZOK Retail Installment Contract Goods & Services - Oklahoma 11/11/2012 OKRSIGLF RSSIGSLFAZOK Retail Installment Contract Motor Vehicle - Oklahoma 11/11/2012 OKRSMFAZ RSSIMVLFAZOK Real Estate Mortgage - Oklahoma 11/11/2012 OKRSMFLZ RSSIMVLFLZOK Retail Installment Contract Motor Vehicle - Oklahoma 11/11/2012 OKTCCU TC-CU-OK Terms & Conditions - Oklahoma 08/15/2012 ORTCCU TC-CU-OR Terms & Conditions - Oregon 08/15/2012 PATCBK0 TC-BK-PA Terms & Conditions - Pennsylvania 08/15/2012 PATCCU TC-CU-PA Terms & Conditions - Pennsylvania 08/15/2012 PATCSB0 TC-SB-PA Terms & Conditions - Pennsylvania 08/15/2012 RITCCU TC-CU-RI Terms & Conditions Rhode Island 08/15/ Wolters Kluwer Financial Services BC EFP-0110-NL 1/15/10

17 SCRSGFLZ RSSIGSLFLZSC Retail Installment Contract Goods & Services South Carolina 11/11/2012 SCRSIGLF RSSIGSLFAZSC Retail Estate Mortgage South Carolina 11/11/2012 SCRSMFAZ RSSIMVLFAZSC Real Estate Mortgage South Carolina 11/11/2012 SCRSMFLZ RSSIMVLFLZSC Retail Installment Contract Motor Vehicle South Carolina 11/11/2012 SCTCCU TC-CU-SC Terms & Conditions South Carolina 08/15/2012 SDTCCU TC-CU-SD Terms & Conditions South Dakota 08/15/2012 SDTRUSTC TRUSTCERT-SD Certificate of Trust South Dakota 11/30/2012 TNTCBK0 TC-BK-TN Terms & Conditions - Tennessee 08/15/2012 TNTCBKO TC-BK-TN Terms & Conditions - Tennessee 11/01/2012 TNTCCU TC-CU-TN Terms & Conditions - Tennessee 08/15/2012 TNTCSL0 TC-SL-TN Terms & Conditions - Tennessee 11/01/2012 TXTC TC-TX Terms & Conditions - Texas 11/01/2012 TXTCCU TC-CU-TX Terms & Conditions - Texas 08/15/2012 UTTCCU TC-CU-UT Terms & Conditions - Utah 08/15/2012 VATCCU TC-CU-VA Terms & Conditions - Virginia 08/15/ Wolters Kluwer Financial Services BC EFP-0110-NL 1/15/10

18 VTCREPAU CREP-AUTH-VT Credit Report Consent - Vermont 06/05/2012 VTTCCU TC-CU-VT Terms & Conditions - Vermont 08/15/2012 WAMV1 MV-1-WA Application For Certificate Title & Registration - Washington 10/26/2012 WATCCU TC-CU-WA Terms & Conditions - Washington 08/15/2012 WIBTA1 BTA-1-WI Boat Registration and Title - Wisconsin 08/17/2012 WIBTA1IN BTA-1-INS-WI Boat Registration and Title - Wisconsin 08/17/2012 WIMV1 MV-1-WI Motor Vehicle Title Application - Wisconsin 08/18/2012 WITCCU TC-CU-WI Terms & Conditions - Wisconsin 08/15/2012 WVTCCU TC-CU-WV Terms & Conditions West Virginia 08/15/2012 WYTCCU TC-CU-WY Terms & Conditions - Wyoming 08/15/2012 XUCA UCA Universal Credit Application - Multistate 11/01/ Wolters Kluwer Financial Services BC EFP-0110-NL 1/15/10