IPB/Dividend Structure Support Guide

IPB/Dividend Structure Support Guide Last Revised on: 05/01/2015 EPL, Inc. 22 Inverness Parkway Suite 400 Birmingham, Alabama 35242 (205) 408-5300 1-800-243-4EPL (4375) www.eplinc.com

Property of EPL, Inc., 22 Inverness Center Parkway, Birmingham, AL 35242 1-800-243-4375, (205) 408-5300, Fax (205) 408-5345 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. 2011 2015 EPL, Inc. All rights reserved.

Table of Contents OVERVIEW... 19 NAME AND ADDRESS AREA... 20 NAME... 20 ADDRESS... 20 CITY... 20 STATE... 20 ZIP... 20 MANAGER... 20 PHONE... 20 SHARE AREA... 21 SHARE MIDAS CLOSE FLAG... 21 NA ZERO BALANCE... 21 SHARE AREA... 22 ZERO CLOSE SHARE... 22 STANDARD SHARE DIVIDEND PLAN... 22 SHARE AREA... 23 MAXIMUM NUMBER OF WITHDRAWALS... 23 MAXIMUM INSURANCE SHARES... 23 SHARE AREA... 24 SHARE MONETARY DEFINITION CODE... 24 SSN AS ACCOUNT NUMBER... 24 SHARE AREA... 25 MAXIMUM SHARE BALANCE... 25 SHARE PAY DIVIDEND AT CLOSE... 25 SHARE AREA... 26 SHARE NEGATIVE BALANCE... 26 SHARE EXCESS WITHDRAWAL PERIOD... 26 SHARE AREA... 27 EXCESS WITHDRAWAL CHARGE... 27 SHARE AREA... 28 EXCESS WITHDRAWAL MINIMUM BALANCE... 28 EXCESS WITHDRAWAL COUNT CHECK... 28 GRACE DAYS... 28 MEMBERSHIP FEE... 28 CERTIFICATE AREA... 29 DIVIDEND PAY FLAG... 29 NEXT DIVIDEND DATE... 29 SEQUENCE... 29 LAST DATE RUN... 29 CERTIFICATE AREA... 30 DIVIDEND DATE FLAG... 30 DAYS BEFORE NOTICE... 30 DAYS FOR NOTICE... 30 CERTIFICATE AREA... 31

DAYS FOR MATURITY... 31 GRACE DAYS... 31 CERTIFICATE AREA... 32 PENALTY CALCULATION... 32 MIDAS AREA... 33 MIDAS SHARE CLOSE... 33 MWD (ZP0) FLAG... 33 MWK (ZP1)... 33 MWK (ZPC)... 33 MIDAS AREA... 34 PAYROLL SYSTEM... 34 PAYROLL CHANGE... 34 MIDAS SOURCE FILE MAINTENANCE... 34 MIDAS AREA... 35 PAYROLL LOAN DISTRIBUTION DESCRIPTION... 35 M-501... 35 M-502... 35 MIDAS AREA... 36 M-503... 36 M-506... 36 M-514... 36 PAYROLL LOAN DISTRIBUTION OPTION... 36 CLIENT NOTIFY OPTIONS... 37 NEW ADDRESS NOTIFY DAYS... 37 ATM ORDER WARNING DAYS... 37 OLD ADDRESS NOTIFY DAYS... 37 INCLUDE NEW ADDR ON NTC... 37 INCLUDE OLD ADDR ON NTC... 37 TRANSACTION RETENTION... 38 SHARE RETENTION... 38 LOAN RETENTION... 38 CLUB RETENTION... 38 FILE MAINTENANCE RETENTION... 38 SHARE DRAFT RETENTION... 38 TRANSACTION RETENTION... 39 CERTIFICATE OF DEPOSIT RETENTION... 39 CREDIT CARD RETENTION... 39 CHECK RETENTION... 39 MORTGAGE LOAN RETENTION... 39 BUSINESS DATE... 40 SHARE EFFECTIVE DATE... 40 LOAN EFFECTIVE DATE... 40 ATM EFFECTIVE DATE... 40 CLUB EFFECTIVE DATE... 40 SHARE DRAFT EFFECTIVE DATE... 40 BUSINESS DATE... 41 CERTIFICATE OF DEPOSIT EFFECTIVE DATE... 41 MORTGAGE LOAN EFFECTIVE DATE... 41

ATM AREA... 42 CD DY CY... 42 CD ISS YRS... 42 SR REST DB... 42 SR REST CR... 42 SR REST FR... 42 SR RSET TO... 42 CNT PRO SH WD... 42 CNT LOC SH WD... 42 ATM AREA... 43 CNT REG SH WD... 43 RT NBR... 43 ONL WS SV... 43 ONL ODX FEE... 43 ATM AREA... 44 ONL NSF FEE... 44 CARD FEE... 44 TRX FEE... 44 FEE EXC PRO WD... 44 FEE EXC LOC WD... 44 FEE EXC REG WD... 44 FDR DEBIT... 44 GENERAL LEDGER... 45 GL TYPE SYSTEM... 45 GL HIGH BRANCH... 45 GL LAST PERIOD... 45 GL JOURNAL SOURCE GL KEY... 45 MAX-MIN VALUES... 46 MAXIMUM NUMBER OF TELEPHONE INQUIRIES... 46 MAX BR... 46 MINIMUM BALANCE... 46 DATE LAST PAR CHARGE... 46 QUARTER STATEMENTS... 47 FICHE HD FL... 47 STMT DET LNS... 47 REP NXT DVND... 47 SEPARATE PRINT FILE AND MULTIPLE PAGES... 47 HOLD NO MAILS... 47 QUARTER STATEMENTS... 48 MONTH SHARE STATEMENT... 48 STATEMENT ONE UP... 48 STATEMENT LEDGER... 48 STATEMENT FROM DATE... 48 STATEMENT HEAD FLAG... 48 QUARTER STATEMENTS... 49 MICRO SW... 49 ACH DEBIT... 50 ACH REG ROUTING & TRANSIT NUMBER... 50 ACH REG ROUTING & TRANSIT CHECK... 50 ACH REG DESCRIPTION... 50

ACH INSTITUTION ROUTING & TRANSIT NUMBER... 50 ACH INSTITUTION ROUTING & TRANSIT CHECK... 50 TEFRA... 51 FEDERAL WITHHOLDING PERCENTAGE... 51 FEDERAL WITHHOLDING EXEMPT AMOUNT... 51 STATE WITHHOLDING PERCENTAGE... 51 STATE WITHHOLDING EXEMPT AMOUNT... 51 TEFRA... 52 TEFRA WITHHOLDING FLAG... 52 COMBINED STATEMENT AREA... 53 STATEMENT OPTION... 53 STATEMENT DROP CODE... 53 PRINT DIVIDEND MESSAGE... 53 COMBINED STATEMENT AREA... 54 PRINT HOME EQUITY LOANS DRAFTS... 54 STATEMENT SORT... 54 COMBINED STATEMENT AREA... 55 CLUB DEFAULT STATEMENT DESCRIPTION... 55 SHARE DEFAULT STATEMENT DESCRIPTION... 55 SHARE DRAFT DEFAULT STATEMENT DESCRIPTION... 55 COMBINED STATEMENT AREA... 56 CERTIFICATE OF DEPOSIT DEFAULT STATEMENT DESCRIPTION... 56 COMBINED STATEMENT AREA... 57 DESCRIPTION NUMBER 1... 57 DESCRIPTION 1... 57 DESCRIPTION NUMBER 2... 57 DESCRIPTION 2... 57 DESCRIPTION NUMBER 3... 57 DESCRIPTION 3... 57 COMBINED STATEMENT AREA... 58 DESCRIPTION NUMBER 4... 58 DESCRIPTION 4... 58 DESCRIPTION NUMBER 5... 58 DESCRIPTION 5... 58 DESCRIPTION NUMBER 6... 58 DESCRIPTION 6... 58 DESCRIPTION NUMBER 7... 58 DESCRIPTION 7... 58 DESCRIPTION NUMBER 8... 58 COMBINED STATEMENT AREA... 59 DESCRIPTION 8... 59 DESCRIPTION NUMBER 9... 59 DESCRIPTION 9... 59 DESCRIPTION NUMBER 10... 59 DESCRIPTION 10... 59 LOAN AREA... 60 LOAN CHARGED OFF FILE MAINTENANCE... 60 CHARGED OFF ACCOUNT FLAG... 60 LOAN GRACE DAYS... 60

LOAN AREA... 61 LOAN DELINQUENT GRACE DAYS... 61 LOAN AREA... 62 CREDIT LIFE INSURANCE... 62 DEFAULT LATE CHARGE CODE... 62 LOAN AREA... 63 STANDARD LINE OF CREDIT AMOUNT... 63 STANDARD LOC LOAN SUFFIX... 63 STANDARD LOAN PAYMENT METHOD... 63 LOAN AREA... 64 STANDARD LOAN PAYMENT FREQUENCY... 64 LOAN AREA... 65 MAXIMUM LATE CHARGE AMOUNT... 65 CA MAXIMUM LATE CHARGE 5... 65 MAXIMUM LOAN AMOUNT FOR CU PAID LOAN INSURANCE... 65 LOAN AREA... 66 MAXIMUM LOAN AMOUNT FOR MEMBER PAID LOAN INSURANCE... 66 MAXIMUM LOAN BALANCE... 66 MINIMUM LATE CHARGE AMOUNT... 66 LOAN AREA... 67 CA MINIMUM LATE CHARGE 5... 67 SHARE REDUCING PLEDGE... 67 LOAN AREA... 68 LOAN BALANCE OVER THE CREDIT LIMIT... 68 LOAN CHARGED OFF SEQUENCE... 68 LOAN DUE DATE ADJUSTMENT... 68 LOAN AREA... 69 LOAN DUE DATE ADJUSTMENT (CONTINUED)... 69 LOAN AREA... 70 LATE CHARGE IMPLEMENTATION DATE... 70 ZERO CLOSE LOAN... 70 HOME EQUITY ANNUAL FEE... 70 LATE CHARGE DAYS... 70 LOAN AREA... 71 LOC LOAN TYPE... 71 PAYMENT PERCENTAGE... 71 LOC DRAFT STATEMENT FLAG... 71 LOAN AREA... 72 LOAN 10 D CYCLE... 72 LOAN PAYMENT NOTICE... 72 LOAN PAYMENT PERCENT... 72 LOAN AREA... 73 MINIMUM OVERDRAFT LOAN PAYMENT AMOUNT... 73 END OF MONTH DAYS DELINQUENT... 73 VCU120 PRINT ID... 73

LOAN AREA... 74 USE CHARGE NEXT... 74 NON ADV FLAG... 74 OVERDRAFT LOAN AMOUNT INTEREST CODE... 74 LOAN AREA... 75 CUDIS FORM... 75 PERCENTAGE OF PAYMENT... 75 USE STANDARD OR ALTERNATE... 75 LOAN AREA... 76 LOAN HIGH COLLATERAL CODE... 76 LOAN LOW COLLATERAL CODE... 76 DEPOSIT COLLATERAL CODE... 76 LOAN AREA... 77 LOAN FEE BY CHECK... 77 CREDIT LIFE / DISABILITY FACTORS... 77 LOAN AREA... 78 LATE FACTORS... 78 LOAN AREA... 79 LATE FACTORS... 79 LOAN INTEREST RATES... 79 DELINQUENT LOAN AREA... 80 MONTHS DELINQUENT CARD... 80 LOAN NAME PRINT FLAG... 80 LOAN DELINQUENT TOTALS... 80 MUSCLE FLAG... 80 DELINQUENT LOAN AREA... 81 LOAN FCU... 81 PARTIAL PAYMENT REPORT... 81 DELINQUENT SORT... 81 DELINQUENT LOAN AREA... 82 CREDIT CARD DELINQUENT FLAG... 82 OPTIONAL LATE CHARGE AREA... 83 MINIMUM LATE CHARGE 5... 83 MAXIMUM LATE CHARGE 5... 83 MINIMUM LATE CHARGE 6... 83 MAXIMUM LATE CHARGE 6... 83 SAFE DEPOSIT BOX AREA... 84 MODULE AVAILABLE... 84 DATE LAST NOTICE SENT... 84 DELINQUENT NOTICE FREQUENCY... 84 SAFE DEPOSIT BOX AREA... 85 RENEWAL NOTICE FREQUENCY... 85 REFUND OPTION... 85 MORTGAGE LOAN AREA... 86 ML GRACE DAYS... 86 ML DELINQUENT GRACE DAYS... 86

ML PERCENTAGE INTEREST CHARGED... 86 ML PERCENTAGE PAYMENT CHARGED... 86 MORTGAGE LOAN AREA... 87 ML FIXED LATE CHARGE AMOUNT... 87 ML MAXIMUM LATE CHARGE AMOUNT... 87 MAXIMUM LATE CHARGE AMOUNT 6... 87 ML MINIMUM LATE CHARGE AMOUNT... 87 ML MINIMUM LATE CHARGE 6... 87 MORTGAGE LOAN AREA... 88 ML LATE CHARGE CALCULATION CODE... 88 ML ESCROW NEGATIVE CODE... 88 ML ESCROW OVERAGE CODE... 88 MORTGAGE LOAN AREA... 89 ML ESCROW MAXIMUM DEFAULT... 89 ML ESCROW CHECK DISBURSEMENT... 89 ML TAX VERIFICATION ROSTER REPORT... 89 MORTGAGE LOAN AREA... 90 ML TAX PRE-PAY ROSTER REPORT... 90 ML PREADJUSTMENT NOTICE... 90 ML INSURANCE CONFIRMATION NOTICE... 90 ML CANCELLATION NOTICE... 90 ML ESCROW ADJUSTMENT NOTICE... 90 MORTGAGE LOAN AREA... 91 ML ESCROW ADJUSTMENT OPTION... 91 ML APPLY EXCESS CODE... 91 ML MINIMUM COUPONS... 91 MORTGAGE LOAN AREA... 92 ML ADVANCE DAYS... 92 ML NON ADVANCE FLAG... 92 ACH RETURNS/XREF AREA... 93 ACH RETURNS FINALIZED... 93 ACH CREATE NEXT SOURCE... 93 ACH CREATE STANDARD SOURCE... 93 SHARE DRAFT AREA... 94 NSF CHARGE... 94 OVERDRAFT TRANSFER CHARGE... 94 SHARE DRAFT AREA... 95 NSF NOTICE FLAG... 95 OVERDRAFT NOTICE FLAG... 95 SHARE DRAFT BANK ID... 95 SHARE DRAFT AREA... 96 SHARE DRAFT CYCLE ASSIGNMENT CODE... 96 SHARE DRAFT CYCLE ASSIGNMENT DIGIT... 96 SHARE DRAFT AREA... 97 STOP PAYMENT EXPIRE DAYS... 97 STOP PAYMENT POSTING FLAG... 97 SHARE DRAFT CHECK HOLD... 97

SHARE DRAFT AREA... 98 STANDARD SERVICE CHARGE ACTIVITY CODE... 98 STANDARD SERVICE CHARGE BALANCE CODE... 98 NEGATIVE AFTER TRANSFER CHARGE... 98 SHARE DRAFT AREA... 99 TRANSFER CHARGE SHARE ON... 99 MONTHLY SHARE DRAFT ST... 99 DRAFT PRINT ID FLAG... 99 DWNLN REPORT FLAG... 99 SHARE DRAFT PRINT ID-1... 99 SHARE DRAFT AREA... 100 SHARE DRAFT PRINT ID-2... 100 STANDARD OVERDRAFT PRIVILEGE... 100 STANDARD OVERDRAFT DEPOSIT SUFFIX... 100 SHARE DRAFT AREA... 101 STANDARD SERVICE CHARGE EXEMPTION CODE... 101 STANDARD CYCLE CODE... 101 SHARE DRAFT FUNDS SRC... 101 SHARE DRAFT MISCELLANEOUS CHARGE... 101 SHARE DRAFT AREA... 102 LINE OF CREDIT MINIMUM BALANCE... 102 SHARE DRAFT FORMAT ID 1... 102 SHARE DRAFT PROC ID 1... 102 SHARE DRAFT FORMAT ID 2... 102 SHARE DRAFT AREA... 103 SHARE DRAFT PROC ID 2... 103 SHARE DRAFT FORMAT ID 3... 103 SHARE DRAFT PROC ID 3... 103 LOAN DRAFT REP SEP... 103 LOAN DRAFT AMORTIZATION TERM... 103 SHARE DRAFT AREA... 104 SHARE DRAFT STOP PAYMENT CHARGE... 104 SHARE DRAFT CHECK TRUNCATION... 104 SHARE DRAFT AREA... 105 INCREMENTAL OVERDRAFT AMOUNT FROM SHARE, DRAFT OR CLUB... 105 INCREMENTAL OVERDRAFT AMOUNT FROM LOANS... 105 SHARE DRAFT AREA... 106 SHARE DRAFT RETURN MODULE... 106 SHARE DRAFT AREA... 107 SHARE DRAFT RETURN COMPLETE... 107 OVERDRAFT CHARGE PER BATCH OR ITEM... 107 SHARE DRAFT AREA... 108 OVERDRAFT AUTOMATIC REG D... 108 NSF COUNTER... 108 SHARE DRAFT AREA... 109 SHARE DRAFT MICR REQUIRED... 109 SORT ASCENDING ORDER... 109

SHARE DRAFT AREA... 110 NSF FEE AUTOMATICALLY... 110 DRAFT SERVICE CHARGE... 111 PART FL... 111 AGE EXEMPT... 111 DAYS BEFORE CLOSING... 111 NO AVLP FLG... 111 DRAFT SERVICE CHARGE... 112 MINIMUM CHARGE... 112 GRACE DAYS... 112 NEGATIVE BALANCE AFTER CHARGE... 112 DRAFT SERVICE CHARGE... 113 AGE CODE MAINTENANCE... 113 MIN SH LRB... 113 SERVICE CHARGES BASED ON ACTIVITY... 114 ACTIVITY CHARGES - DEBIT CHARGE... 114 ACTIVITY CHARGES CHECK CHARGE... 114 ACTIVITY CHARGES CREDIT CHARGE... 114 ACTIVITY CHARGES DEBIT LIMIT... 114 SERVICE CHARGES BASED ON ACTIVITY... 115 ACTIVITY CHARGES CHECK LIMIT... 115 ACTIVITY CHARGES CREDIT LIMIT... 115 ACTIVITY CHARGES EXCESS DEBIT CHARGE... 115 ACTIVITY CHARGES EXCESS CHECK CHARGE... 115 ACTIVITY CHARGES EXCESS CREDIT CHARGE... 115 CHECK ORDER AREA... 116 CHECK ORDER PROCESSOR ID... 116 CHECK ORDER FREQUENCY... 116 CHECK ORDER TAX EXEMPTIONS... 116 CHECK ORDER AREA... 117 CHECK ORDER PRINTER ID... 117 CHECK ORDER LAST ORDER DATE... 117 CHECK ORDER DEFAULT STARTING NUMBER... 117 CHECK ORDER AREA... 118 CHECK ORDER AUTOMATED ORDER ENTRY CUSTOMER NUMBER... 118 CHECK ORDER ROUTING NUMBER... 118 CHECK ORDER BRANCH FLAG... 118 OVERDRAFT SEQUENCE SUFFIXES... 119 OVERDRAFT SEQUENCE SUFFIX... 119 SERVICE CHARGE BASED ON BALANCE RANGES... 120 BALANCE BASIS CODE... 120 MAINTENANCE FEE... 120 SERVICE CHARGE BASED ON BALANCE RANGES... 121 BALANCE LIMIT... 121 BALANCE CHARGE... 121 DRAFT AND MONEY MARKET FUND AREA... 122

SHARE DRAFT RECORD TYPE... 122 SHARE DRAFT CLASS CODE... 122 DRAFT AND MONEY MARKET FUND AREA... 123 MMF MINIMUM BALANCE... 123 MMF MINIMUM DEPOSIT AMOUNT... 123 DRAFT AND MONEY MARKET FUND AREA... 124 MMF MINIMUM OPENING DEPOSIT AMOUNT... 124 MMF MINIMUM WITHDRAWAL AMOUNT... 124 DRAFT AND MONEY MARKET FUND AREA... 125 MMF DEFAULT REG D RESERVE CODE... 125 REG D OPTION... 125 DRAFT AND MONEY MARKET FUND AREA... 126 REG D OPTION(CONT)... 126 DRAFT AND MONEY MARKET FUND AREA... 127 MMF WITHDRAWAL FEE... 127 DRAFT AND MONEY MARKET FUND AREA... 128 SHARE DRAFT PAY DIVIDEND AT CLOSE... 128 CLUB DIVIDEND AREA... 129 CLUB ACCRUAL DATE... 129 CLUB TYPE... 129 CLUB DIVIDEND AREA... 130 CLUB DIVIDEND RECORD TYPE... 130 CLUB DAILY ACCRUAL METHOD... 130 CLUB MINIMUM BALANCE... 130 CLUB DIVIDEND AREA... 131 CLUB MINIMUM DEPOSIT AMOUNT... 131 CLUB MINIMUM OPENING DEPOSIT AMOUNT... 131 CLUB MINIMUM WITHDRAWAL AMOUNT... 131 CLUB DIVIDEND AREA... 132 CLUB NEGATIVE BALANCE... 132 PAY DIVIDEND AT CLS... 132 IRA DISTRIBUTION AREA... 133 IRA FEDERAL TAX RATE... 133 IRA STATE TAX RATE 1... 133 IRA STATE TAX RATE 2... 133 IRA WITHHOLDING TAX... 133 IRA DISTRIBUTION AREA... 134 IRA MULTIPLE WITHDRAWAL TRANSACTION... 134 IRA FEDERAL TAX AMOUNT... 134 IRA STATE TAX AMOUNT 1... 134 IRA STATE TAX AMOUNT 2... 134 MISCELLANEOUS... 135 INST INQ SW... 135 SHARE NSF CHARGE... 135 IRA END OF YEAR CUT OFF DATE... 135

SKIP PAYDAY... 135 MISCELLANEOUS... 136 SF MO... 136 MRG BAL FLG... 136 ALL EXCP AMT... 136 MODE... 136 CERTIFICATE OF DEPOSIT DIVIDEND BY CHECK FLAG... 136 MISCELLANEOUS... 137 SHARE DIVIDEND BY CHECK FLAG... 137 SHARE DRAFT DIVIDEND BY CHECK FLAG... 137 CK CB FLAG... 137 LIQUIDATING CLUB WITHDRAWALS BY CHECK FLAG... 137 IRA DISTRIBUTION BY CHECK FLAG... 137 MISCELLANEOUS... 138 BATCH BRANCH... 138 REMIT BRANCH... 138 CHECK WRITING... 138 REPORT DATE... 138 MISCELLANEOUS... 139 SHORT RECEIPT... 139 EFT HIST CODE... 139 ML PY WNDW... 139 ML PY TLLR... 139 MISCELLANEOUS... 140 JOINT OWNER DISPLAY/PRINT LITERALS... 140 CHECK RECONCILIATION FLAG... 140 CD NOTICE RUN DAY... 141 CREDIT UNION TAX ID NUMBER... 141 MISCELLANEOUS... 142 LARGE TRANSACTION AMOUNT... 142 NUMBER OF DAYS FOR DORMANCY REPORTING... 142 EXCEPTION FLAGS... 142 MISCELLANEOUS... 143 VERIFY CODE... 143 SAVING BONDS MODULE FLAG... 143 FSA HOST RECEIPT... 143 PASSBOOK ALLOWED... 143 MISCELLANEOUS... 144 PASSBOOK MAXIMUM NUMBER OF NO-BOOK TRANSACTIONS... 144 CBM STATION NUMBER... 144 RELATIONSHIP PRICING MODULE... 144 NOTICE DATA FLAG... 144 MISCELLANEOUS... 145 NOTICE HEADER LITERAL... 145 DATE LAST FILE MAINTENANCE OPTION... 145 TIME LAST FILE MAINTENANCE OPTION... 145 REPORT LINES... 145 MISCELLANEOUS... 146 TIME ZONE... 146

FEDERAL ACH ROUTING & TRANSIT NUMBER... 146 MISC SD ID... 146 MISCELLANEOUS INSURANCE ID... 146 MISCELLANEOUS... 147 LAST PAYOFF... 147 PAID LOAN REPORT FREQUENCY... 147 CONSUMER LOAN NUMBER OF ADVANCE DAYS... 147 CREDIT BUREAU GRANTER CODE... 147 COMPUTER DATA CENTER... 147 MISCELLANEOUS... 148 COUPON PRODUCER CLIENT NUMBER... 148 IRS TRANSMITTER ID NUMBER... 148 MEMBER SEARCH ORDER... 148 MIDAS SOURCE SEARCH ORDER... 148 MISCELLANEOUS... 149 LAST ACCOUNT NUMBER... 149 LAST NOTE NUMBER... 149 MOD 6 FLASH ADDR... 149 CASHIERS CHECK - - CREDIT UNION ACCOUNT NUMBER... 149 CASHIERS CHECK - - DRAFT SUFFIX NUMBER... 149 MISCELLANEOUS... 150 TODAY S BUSINESS DATE... 150 TODAY LRB... 150 TODAY DVN MN... 150 TRANSACTION EFFECTIVE DATE... 150 TOMORROW LRB... 150 MISCELLANEOUS... 151 TOMORROW DVN MO... 151 CREDIT UNION TRANSACTION TYPE... 151 MAXIMUM INSURABLE AGE FOR CU PAID INSURANCE... 151 MISCELLANEOUS... 152 MAXIMUM INSURABLE AGE FOR MEMBER PAID INSURANCE... 152 PLEDGED SHARE AVAILABLE BALANCE... 152 BACKUP WITHHOLDING DEFAULT... 152 MISCELLANEOUS... 153 INST TYPE... 153 LOAN COUPON FLAG... 153 PAY SKIP CODE... 153 MO IN DVND CY... 153 NOTICE FLAG... 153 MISCELLANEOUS... 154 CHECK HOLD DAYS NON-LOCAL... 154 CHECK HOLD DAYS LOCAL... 154 REG CC RELEASE AMOUNT... 154 LANGUAGE CHANGE FLAG... 154 MISCELLANEOUS... 155 STATE TAX ID... 155 MODEL OWNER... 155 DEBIT CARD TRANSACTION HOLD DAYS... 155 GROUP INQUIRIES... 155

REPORT FLAGS... 156 REPORT FLAGS... 156 REPORT FLAGS... 157 REPORT FLAGS... 157 REPORT FLAGS... 158 REPORT FLAGS... 158 REPORT FLAGS... 159 REPORT FLAGS... 159 REPORT FLAGS... 160 REPORT FLAGS... 160 REPORT FLAGS... 161 REPORT FLAGS... 161 REPORT FLAGS... 162 REPORT FLAGS... 162 REPORT FLAGS... 163 REPORT FLAGS... 163 REPORT FLAGS... 164 REPORT FLAGS... 164 REPORT FLAGS... 165 REPORT FLAGS... 165 REPORT FLAGS... 166 REPORT FLAGS... 166 REPORT FLAGS... 167 REPORT FLAGS... 167 REPORT FLAGS... 168 REPORT FLAGS... 168 REPORT FLAGS... 169 REPORT FLAGS... 169 REPORT FLAGS... 170 REPORT FLAGS... 170 REPORT FLAGS... 171 REPORT FLAGS... 171 REPORT FLAGS... 172 REPORT FLAGS... 172 REPORT FLAGS... 173 REPORT FLAGS... 173 REPORT FLAGS... 174 REPORT FLAGS... 174 REPORT FLAGS... 175

REPORT FLAGS... 175 REPORT FLAGS... 176 REPORT FLAGS... 176 REPORT FLAGS... 177 REPORT FLAGS... 177 REPORT FLAGS... 178 REPORT FLAGS... 178 REPORT FLAGS... 179 REPORT FLAGS... 179 REPORT FLAGS... 180 REPORT FLAGS... 180 EXCEPTION FLAGS... 181 EXCEPTION FLAGS 1 13... 181 EXCEPTION FLAGS... 182 EXCEPTION FLAGS 14 20... 182 EXCEPTION FLAGS... 183 EXCEPTION FLAGS 21 25... 183 OVERRIDE CONDITIONS... 184 OVERVIEW... 184 OVERRIDE CONDITIONS... 185 CHANGING AN OVERRIDE LEVEL... 185 OVERRIDE CONDITIONS... 186 OVERRIDE FLAGS 101 515... 186 OVERRIDE CONDITIONS... 187 OVERRIDE FLAGS 516 541... 187 OVERRIDE CONDITIONS... 188 OVERRIDE FLAGS 542 600... 188 OVERRIDE CONDITIONS... 189 OVERRIDE FLAGS 601 622... 189 OVERRIDE CONDITIONS... 190 OVERRIDE FLAGS 623 667... 190 OVERRIDE CONDITIONS... 191 OVERRIDE FLAGS 668 689... 191 OVERRIDE CONDITIONS... 192 OVERRIDE FLAGS 690 999... 192 SPECIAL REPORT FLAGS... 193 SPCL REPORT FLAGS... 193 FUTURE FIELDS... 194 FF FLAG1... 194

FF FLAG2... 194 USER AMT 1... 194 USER FLAG 1... 194 USER AMT 2... 194 USER FLAG 2... 194 PROGRAM PRINT FILE ID INCREMENTS... 195 PRINT FILE ID... 195 GENERAL LEDGER AREA... 196 GL ACCOUNTING BASIS... 196 GL LAST CLOSE DATE... 196 GL TRANSACTION SORT FLAG... 196 GL SUSPENSE ACCOUNT... 196 GL BUSINESS DATE... 196 GENERAL LEDGER AREA... 197 GL DEFAULT BRANCH... 197 GL NEXT TO LAST CLOSE DATE... 197 GL UNDIVIDED PROFIT ACCOUNT... 197 GL CLOSING DATE... 197 GL DEFAULT JOURNAL SOURCE... 197 GENERAL LEDGER AREA... 198 GL NEXT CLOSE DATE... 198 GL CLOSING FREQUENCY... 198 GL JOURNAL SOURCE/... 198 SUSPENSE ACCOUNT... 198 GL BRANCH NUMBERS... 198 GL CASH ACCOUNTS... 198 GENERAL LEDGER AREA... 199 VAULT CASH ACCOUNT... 199 BANK CASH ACCOUNT... 199 TELLER CASH OVER/SHORT... 199 TELLER CHECK OVER/SHORT... 199 GL SHARED BRANCH CASH... 199 GL SHARED BRANCH CHECKS... 199 GENERAL LEDGER AREA... 200 GL FTI PC... 200 GL BASIC... 200 GL CASH ACCT POINTERS... 200 GENERAL LEDGER AREA... 201 DIVIDEND STRUCTURE... 202 DIVIDEND RATE TYPE... 202 DIVIDEND LRB MO1... 202 DIVIDEND LRB MO2... 202 DIVIDEND STRUCTURE... 203 DIVIDEND FREQUENCY... 203 DIVIDEND SHARE VALUE... 203 DIVIDEND GRACE DAYS... 203 DIVIDEND MINIMUM BALANCE... 203 DIVIDEND TYPE... 203 DIVIDEND STRUCTURE... 204

DATE LAST DIVIDEND... 204 DATE THIS DIVIDEND... 204 DATE NEXT DIVIDEND... 204 DIVIDEND STRUCTURE... 205 EXAMPLES OF DATES: CONVERTING MID-QUARTER AND PAYING ON THE LAST DAY OF THE PERIOD.... 205 DIVIDEND STRUCTURE... 206 DIVIDEND NOTICE FLAG... 206 DIVIDEND SPLIT RATE FLAG... 206 DIVIDEND NO POST LOCKOUT... 206 DIVIDEND STRUCTURE... 207 DIVIDEND POSTING MONTH... 207 DIVIDEND POSTING FREQUENCY... 207 DIVIDEND POSTING FLAG... 207 DIVIDEND LOW DOLLAR... 207 DIVIDEND STRUCTURE... 208 DIVIDEND HIGH DOLLAR... 208 DIVIDEND RATE BREAK... 208 DIVIDEND STRUCTURE... 209 CRITICAL INFORMATION... 209 VCUDVC INPUT DECK... 210 VCUDVN INPUT DECK... 211 VCUDVN INPUT DECK... 212 VCUDVN INPUT DECK... 213 INDEX... 214

Overview This document provides information on: 1. IPB fields shown on the IPB Listing report that is produced by the program VCUIPC 2. Dividend Structure fields shown on the Dividend Calculation Variables report produced by the program VCUDVN. Each field is documented as follows: Neg Bal IP-NEG-BAL (1) Allow shares (sub account 00) to be withdrawn below 0 via the Withdrawal screen. 0 = Do not allow. "S" override ineffective. 1 = Allow if "S" override is used. (OL2020) Neg Bal IP-NEG-BAL (1) Size and description of the field. The name of the field as it appears on the IPB Listing or the Dividend Calculation Variables report. The name that the i-power programs use. Sometimes referred to as the DASDL name. Examples: (#) Numeric only; contains # number of digits; no decimal. (S#) (S#a,#b) Alpha (#) Numeric only; contains # number of digits; is signed (can be positive or negative); no decimal. Numeric only; contains #a number of digits with #b number of digits to the right of the decimal. Alphanumeric contains # number of characters. (OL2020) (Not in standard i-power) (Not used in standard i- POWER) The program(s) that uses this field. This field is not in any i-power program or if it is included in a program it has been remarked out (bypassed). A i-power source code user may use the field. This field is included in i-power source code but is not referenced or used any program. Page 19 of 219

Name and Address Area Name IP-NAME Alpha (40) CU name. Address IP-ADDR Alpha (38) CU address. Note: Notices will only print the first 35 characters of IP-NAME and IP-ADDRESS. City IP-CITY Alpha (20) CU city. State IP-STATE Alpha (2) CU state. Zip IP-ZIP-CODE (5) IP-ZIP-EXT (4) All of the above fields will be printed on every notice produced by i-power Manager IP-MANAGER Alpha (30) (Not in standard i-power) Phone IP-TELEPHONE-NR (10) Can be printed on Lender PLUS forms. (OLVPCL) Page 20 of 219

Share Area Share MIDAS Close Flag IP-SH-MID-CL-FL (1) MR2.1.0 Release May 2005 CQ# 67393 Setup and Maintain Share Product Classes. 0 = Display the message: "Account: ### - 0 ACTIVE DISTR SEQUENCE" when attempting to close a share account that has an open payroll or funds transfer distribution. Overrides are ignored. User must delete all MIDAS distributions prior to completing the Close Account transaction command. (This is to alert the CU that a member is on payroll.) 1 = Automatically close all distributions when the share account is closed either through the Close Account transaction command or file maintaining the Date Closed field. Can be used in conjunction with IP-ZERO-CLOSE-SH (OLSCRN & OL2020) This field is now read from and populated in the Share Product Class structure within i-power. Please refer to the Share Options Guide for detailed information on the setup and maintenance of these fields. NA Zero Balance IP-NA-ZERO-BAL (1) Allow the opening of zero balance for the following suffixes: Shares Drafts and MMF Drafts Clubs IRA clubs Tax & Insurance Escrow clubs Loss Draft Escrow clubs NOTE: i-power will not allow the opening of zero balance certificates or IRA certificates. NOTE: For Xpress Accounts, this field must be set to 1 0 = Do not allow override ineffective. If attempted the error, "ONLINE ERROR IN POSTING TRANSACTION", "ZERO TRANSACTION AMT(s)" is returned. 1 = Allow (TELLER & OL2020) Page 21 of 219

Share Area Zero Close Share IP-ZERO-CLOSE-SH (1) MR2.1.0 Release May 2005 CQ# 67393 Setup and Maintain Share Product Classes. Automatically close a share account when the share balance reaches 0 after a transaction via the Withdrawal transaction command. This will not close existing 0 balance share accounts. (This field can be used with IP-SH-MID-CL- FL). 0 = Do not close and allow share account to have a 0 balance after a transaction. 1 = Automatically close; if no other sub accounts (suffixes) exist. If a sub account (suffix) exists and a Withdrawal transaction command is attempted that would result in a 0 balance, the error "INV CLOSE-TRLR ### ACTIVE" is returned. (### = the open sub-account) If IP-ZERO-CLOSE-SH = 1 Then VCI262 - Missing Critical Data, If SH-DT-CLOSED > 0 and SH-CURR- BAL = 0 then the account is bypassed. Also, a share account will not be automatically closed if the account has an existing charged-off loan. (OL2020) This field is now read from and populated in the Share Product Class structure within i-power. Please refer to the Share Options Guide for detailed information on the setup and maintenance of these fields. Standard Share Dividend Plan MR2.1.0 Release May 2005 CQ# 67393 Setup and Maintain Share Product Classes. IP-STD-SH-DVN-PLN (1) This denotes which rate type in the dividend structure (share area) to use. (VCISCN) (0 at Installation) This field is now read from and populated in the Share Product Class structure within i-power. Please refer to the Share Options Guide for detailed information on the setup and maintenance of these fields. Page 22 of 219

Share Area Maximum Number of Withdrawals MR2.1.0 Release May 2005 CQ# 67393 Setup and Maintain Share Product Classes. IP-MAX-NR-WDLS (2) Number of (Cash or Check) withdrawals allowed on a share and/or club before an excess withdrawal fee (IP-EXCESS-WDL-CHG) is assessed. When a withdrawal exceeds this field, IP-EXCESS-WDL-CHG will be withdrawn on each subsequent withdrawal. Shares: COUNT) Clubs: COUNT) MTD (SH-MTH-WDL-COUNT) or QTD (SH-QTR-WDL- MTD (CB-MTH-WDL-COUNT) or QTD (CB-QTR-WDL- (CLUBS: used with IP-EXCESS-WDL-PRD, IP-EXCESS-WDL-CHG & IP-REPT-FLG(57)) EXAMPLE: If IP-MAX-NR-WDLS = 3, the member would get three "free" withdrawals and beginning with the fourth withdrawal and all subsequent withdrawals, IP-EXCESS-WDL-CHG would also be withdrawn. (OL2020) This field is now read from and populated in the Share Product Class and the Club Product Class structures within i-power. Please refer to the Share Options Guide and the Club Options Guide for detailed information on the setup and maintenance of these fields. Maximum Insurance Shares MR2.1.0 Release May 2005 CQ# 67393 Setup and Maintain Share Product Classes. IP-MAX-INS-SHARES (S7) (Whole dollars) Maximum share balance for CU-Paid Share Insurance. Used to calculate insured/uninsured shares (Life Savings) on the Uninsurability Report (RMG2621#). (VCI262) This field is now read from and populated in the Share Product Class structure within i-power. Please refer to the Share Options Guide for detailed information on the setup and maintenance of these fields. Page 23 of 219

Share Area Share Monetary Definition Code MR2.1.0 Release May 2005 CQ# 67393 Setup and Maintain Share Product Classes. IP-SH-MON-DEF-CD (1) Determines when zero balance share accounts are opened that they become "dummy" share accounts. "Dummy" share accounts can be file maintained and inquired against but share monetary transactions are not allowed. 0 = No affect on new zero balance share accounts 1 = All NEW zero balance share accounts will be "dummy" accounts If IP-SH-MON-DEF-CD = 1 then all share accounts opened with a zero balance will have a 1 defaulted into "Monetary Code" field.(sh-monetary-code). Any share monetary transaction attempted will have the error "MONETARY NOT ALLOWED TO SHARES" returned. (IP-NA-ZERO-BAL must equal 1; to allow the opening of zero balance shares) (OL2020) This field is now read from and populated in the Share Product Class structure within i-power. Please refer to the Share Options Guide for detailed information on the setup and maintenance of these fields. SSN as Account Number IP-SH-ACCT-CHECK (1) Determines whether a new share account number must equal the member's SSN. 0 = No 1 = Yes, account number must = SSN i-power will check Collection Remarks/Comments and, if present, will display "Pending Collection Remarks for this Soc Sec Nbr." (OLSCRN & TELLER) (0 Conversion Standard) Page 24 of 219

Share Area Maximum Share Balance IP-MAX-SHARE-BAL (S7) MR2.1.0 Release May 2005 CQ# 67393 Setup and Maintain Share Product Classes. (Whole dollars) Maximum share balance that the online will allow. If a deposit causes the balance to exceed this amount the override condition 607 DEPOSIT WILL BRING BAL OVER MAXIMUM ALLOWED is returned. 9999999 = $9,999,999. (does not designate unlimited) (TELLER, OL2020 & OLSCRN) (9999999 Conversion Standard) This field is now read from and populated in the Share Product Class structure within i-power. Please refer to the Share Options Guide for detailed information on the setup and maintenance of these fields. Share Pay Dividend at Close IP-SH-CL-DVND-PMT (1) Determines whether the Pay Accrued Dividends check-box field is checked or unchecked on the i-power Close Share Account screen. If checked is defaulted, the withdrawal amount will include the accrued dividends. 0 = unchecked, do not pay accrued dividends 1 = checked, pay accrued dividends (OL2020, TELLER and VCU123) Page 25 of 219

Share Area Share Negative Balance IP-NEG-BAL (1) MR2.1.0 Release May 2005 CQ# 67393 Setup and Maintain Share Product Classes. Allow an online user to perform a share withdrawal that would result in a negative current balance. Does not affect whether user can withdraw more than the available balance. If a share withdrawal causes the current share balance to go negative, the override condition 507 ACCOUNT WILL GO NEGATIVE AFTER WITHDRAWAL is returned. 0 No, do not allow a negative current balance 1 Yes, allow a negative current balance (OL2020) This field is now read from and populated in the Share Product Class structure within i-power. Please refer to the Share Options Guide for detailed information on the setup and maintenance of these fields. Share Excess Withdrawal Period MR2.1.0 Release May 2005 CQ# 67393 Setup and Maintain Share Product Classes. IP-EXCESS-WDL-PRD (1) The time period to use when assessing excess share withdrawal fee(s). 0 = Monthly 1 = Quarterly 2 = Do not assess excess share withdrawal fees (OL2020) This field is now read from and populated in the Share Product Class structure within i-power. Please refer to the Share Options Guide for detailed information on the setup and maintenance of these fields. Page 26 of 219

Share Area Excess Withdrawal Charge IP-EXCESS-WDL-CHG (S7,2) Excess share and/or club withdrawal fee amount. STRIPE ATM withdrawals can take the account negative, if necessary, to withdraw the fee. (Used with IP-MAX-NR-WDLS, IP-EXCESS-WDL-PRD and IP-REPT-FLG (57)) (If using online ATM's, set IP-SH-CNT-XXX-ATM & IP-SH-FEE-XXX-ATM in the ATM Area of the IPB) If the (withdrawal amount + excess withdrawal fee) < = Available Balance No override is needed; the fee is withdrawn. If the (withdrawal amount + excess withdrawal fee) > Available Balance and (withdrawal amount ) < = Current Balance the error message "Below Min Bal - Override Required" is returned. "T" override is required; the fee is withdrawn. If the (withdrawal amount + excess withdrawal fee) > Current Balance and withdrawal amount) < = Available Balance the error message "Acct Subject to Withdrawal Fee" is returned. "T" override is required; the fee is not withdrawn. If the (withdrawal amount + excess withdrawal fee) > Current Balance and (withdrawal amount) > Available Balance the error message "Transaction Exceeds Available Balance. "S" override required to complete the transaction" is returned. "S" override is required; the fee is not withdrawn. (Tran codes are "SHFW" or "CBFW") (For $2.00 ; enter 0000200.) (OL2020 & PEPCOMN2 macro) (Not in VCU517, Service Centers or Batch ATMs) (CONVERSION NOTE: INTERNAL TRANSFERS ARE NOT COUNTED. WITHDRAWALS BY CASH OF CHECK ONLY) MR2.1.0 Release May 2005 CQ# 67393 Setup and Maintain Share Product Classes. CQ# 67397 Setup and Maintain Club Product Classes. This field is now read from and populated in the Share Product Class and the Club Product Class structures within i-power. Please refer to the Share Options Guide and the Club Options Guide for detailed information on the setup and maintenance of these fields. Page 27 of 219

Share Area Excess Withdrawal Minimum Balance IP-EX-WDL-MIN-BAL (Not in standard i-power) (0 Conversion Standard) (S4) Excess Withdrawal Count Check IP-EX-WDL-CNT-CHK (1) (Not in standard i-power) (0 Conversion Standard Grace Days IP-SH-GRACE-DAYS (2) (VCUEOD) (0 at Installation) Membership Fee IP-MEMBERSHIP-FEE (S4,2) MR2.1.0 Release May 2005 CQ# 67393 Setup and Maintain Share Product Classes. Fee amount that is defaulted into Member Fees Due - SHFMPM screen (SH- FEES-DUE) when a share (00) is opened which will be deducted from the first deposit (online or batch) that is greater than the fees due amount. Deposits using the WIREIN or MISD screens will not have the fee deducted. (Tran code is "SHFE") (For $2.00; enter 0200.) (OL2020, TELLER & PEPCOMN2 macro) This field is now read from and populated in the Share Product Class structure within i-power. Please refer to the Share Options Guide for detailed information on the setup and maintenance of these fields. Page 28 of 219

Certificate Area Dividend Pay Flag IP-CD-DVND-PY-FL (1) All certificates (Regular and IRA) will pay dividends on this basis 0 = Calendar (date set by CU) 1 = Anniversary of the issue/maturity date (Used with IP-CD-DVND-DT-FL) (VCU301) Next Dividend Date IP-CD-NXT-DVND-DT (8) (Not in standard i-power) (0 CONVERSION STANDARD) Sequence IP-CD-SEQ (1) Determines the type(s) of Certificate Trial Balance(s) to be produced. 0 = ACCOUNT NBR, CERT NBR THEN ALPHA ORDER. 1 = Account number order only 2 = Alpha order only 3 = Cert Nbr order only 4 = Account number then alpha order 5 = Account number then Cert Nbr order 6 = Alpha then Cert Nbr order (VCI305) (1 at EPL Data Center Installation) Last Date Run IP-CD-LST-DT-RUN (8) The date that certificate dividends were last posted. The last execution date of VCU301 (CCYYMMDD) If Impending Maturity Notices are run on a date other than a Friday date, this field must be manually changed to that specific Friday date before running VCI305. This will avoid problems of printing duplicate notices or missing notices. (VCU301 & VCI305) (set to same as IP-TODAY-CAL at Installation) Page 29 of 219

Certificate Area Dividend Date Flag IP-CD-DVND-DT-FL (1) If IP-CD-DVND-PY-FL = 0 then when the certificate automatically renews this field will determine whether to set the Next Dividend - CDxxPM screen (CD- NXT-INT-DUE-DT) to the first or last day of the month according to Frequency - CDxxPM screen (CD-INT-PYMT-FREQ): 0 = Change to the last day of the month 1 = Change to the first day of the month (VCU301 & VCU302) Days Before Notice IP-CD-DYS-B4-NOT (2) For definition, refer to the box below. (VCU301 & VCI305) (7 or a multiple of 7 at EPL Data Center ) Days for Notice IP-CD-DYS-FOR-NOT (2) For definition, refer to the box below. (VCU301 & VCI305) (21 or a multiple of 7 at EPL Data Center ) If a certificate's maturity date is < IP-CD-LST-DT-RUN > IP-CD-LST-DT-RUN + IP-CD-DYS-FOR-NOT + IP-CD-DYS-FOR-NOT then VCI305 will print an impending maturity notice. EXAMPLE: on March 1 - IP-CD-DYS-B4-NOT If maturity date < March 1 and >= March 1 +21 days +21 days March 22-7 days March 15 So, if the maturity date is between March 15 & 22, an impending maturity notice will be produced. Page 30 of 219

Certificate Area Days for Maturity IP-CD-DYS-FOR-MAT (2) Number of days into the future from the last run date of VCU301 (IP-CD-LST- DT-RUN) to determine if a certificate will appear on the Certificate Maturity Report (RCD30510). If a certificate's Maturity Date (CD-DEP-MAT-DT) is greater than IP-CD-LST- DT-RUN and less than IP-CD-LST-DT-RUN + this field, the certificate will appear on the Certificate Maturity Report. (VCU301 & VCI305) (21 at EPL Data Center installation) Grace Days IP-CD-GRACE-DYS (2) Number of days to delay the maturing/renewing of certificates. When the certificates are matured/renewed, the Maturity Date is used as the effective date for the dividend posting and for the renewed Maturity Date. Also, the number of days to delay notice production. (VCU301 & VCI305) (0 at installation) Page 31 of 219

Certificate Area Penalty Calculation IP-CD-PLTY-CALC (1) Determines whether to use Available Dividend - CDxxSC screen (CD-ACCUM- INT) or not in the certificate penalty calculation. 0 = Use CD-CURR-BAL (which includes Available Dividend (CD-ACCUM- INT) or Withdrawal amount. ("Y" defaults to "Auto Penalty Deduction" on the certificate WDL and CLS screens) 1 = Use (CD-CURR-BAL minus CD-ACCUM-INT) or (Withdrawal amount minus CD-ACCUM-INT). ("Y" defaults to "Auto Penalty Deduction" on the certificate WDL and CLS screens) 9 = CU calculates the certificate penalty; i-power will not calculate a certificate penalty. ("N" defaults to "Auto Penalty Deduction") (OL2020 & TELLER) If IP-CD-PLTY-CALC = 0 or 1 i-power will calculate a certificate penalty by withdrawal amount x penalty rate x penalty days calculation basis Page 32 of 219

MIDAS Area MIDAS Share Close IP-M-SHR-CLOSE (1) (Not in standard i-power) (0 Conversion Standard) Mwd (ZP0) Flag IP-MWD-FLAG (1) Indicates whether or not a MIDAS (debit) ZP0=== file exists which was created by VCU504 to be used by VCU514. 1 = ZP0=== file exists 0 = ZP0=== file does not exist (VCUZRO, VCU504 & VCU514) (0 at Installation) Mwk (ZP1) IP-MWK-FLAG (1) Indicates whether or not a MIDAS evening (credit) ZP1=== file exists which was created by VCU504 and to be used by VCU520. 1 = ZP1=== file exists 0 = ZP1=== file does not exist (VCUZRO, VCU504 & VCU520) (0 at Installation) Mwk (ZPC) IP-ACH-MWK-FLAG2 (1) Indicates whether or not a MIDAS morning (credit) ZPC=== file exists which was created by VCU504 and to be used by VCU520. 1 = ZPC=== file exists 0 = ZPC=== file does not exist (VCUZRO, VCU504 & VCU520) (0 at Installation) Page 33 of 219

MIDAS Area Payroll System IP-PYRL-SYSTEM (1) (Not used by standard i-power) (OL2020) (0 at Installation) Payroll Change IP-REP-PRL-CHANGE (1) (Not used by standard i-power) (OL2020) (0 at Installation) MIDAS Source File Maintenance IP-M-SOURCE-FM (1) Allow the maintenance to the member's deduction amount or distribution screen while the exception source (that the member is attached to) is scheduled to post. 0 = Do not allow maintenance via the MDFMDI screen 1 = Allow maintenance Maintenance via the MDFMPD screen is always available. Does not prevent a distribution from being created or a loan sub account (suffix) being added to an existing distribution when new loan maintenance is performed. (OLSCRN) Page 34 of 219

MIDAS Area Payroll Loan Distribution Description IP-PRL-LN-DST-DSC (3) Determines which sub account (suffix) to default with the excess distribution code "03" when a new loan is maintained onto a direct or exception source. Used only when the new loan is creating the account's distribution. This is not used when creating transfer sources. (OL2020 & OLFM20) (Used with IP-PRL-LN-DST-OPT) Valid Values: 000 = Shares * 050 = Account's 1st club sub account (suffix) 051-069 = Specific club sub account (suffix) 070 = Account's 1st draft sub account (suffix) 071-079 = Specific draft sub account (suffix) 080 = Account's 1st certificate sub account 081-099 = Specific certificate sub account (suffix) and 901-999 = Specific certificate sub account (suffix) * If the sub account (suffix) that is defaulted is an IRA or Escrow club, then 000 will be defaulted instead. If an account does not have the specified sub account (suffix) or a "first" sub account (suffix) then 000 is defaulted. M-501 IP-501 (1) The number of executions of VEU501. (Formats Non-ACH account number order tapes) (VEU501 & VCUEOD) (0 at Installation) M-502 IP-502 (1) The number of executions of VEU502 and VCU502. Used as the print file increment. Valid values are : 0-4. (Formats ACH account number order tapes) (VEU502, VCU502 & VCUEOD) (0 at Installation) Page 35 of 219

MIDAS Area M-503 IP-503 (1) The number of executions of VEU503. (Formats and creates xref file for ACH tapes that are in SSN or payroll order) (VEU503 & VCUEOD) (0 at Installation) M-506 IP-506 (1) The number of executions of VEU506. (VEU506 & VCUEOD) (0 at Installation) M-514 IP-514 (1) The number of executions of VCU514 & VCU517. Used as the print file increment. (VCU514, VCU517, VCUPST & VCUEOD) (0 at Installation) Payroll Loan Distribution Option IP-PRL-LN-DST-OPT (1) Determines where to default the excess distribution code "03" when a new loan is maintained onto a direct or exception source. Used only when the loan maintenance is creating the account's MIDAS distribution. (used with IP-PRL-LN-DST-DSC) 0 = "03" as the last line 1 = "03" as the first line (OL2020 & OLFM20) Page 36 of 219

Client Notify Options New Address Notify Days IP-MAIL-CHG-BEGIN-NOTIFY-DAYS (5) Number of days prior to a new address becoming active to notify the client of the pending address change. (0 Conversion Standard) ATM Order Warning Days IP-MAIL-CHG-ATMORDER-WARN-DAYS (5) Number of days for an online/warning alert to the user when attempting to order an ATM/Debit card and there has been a mailing address change within this number of days (0 Conversion Standard) Old Address Notify Days IP-MAIL-CHG-EXPIRE-NOTIFY-DAYS (5) Number of days prior to an active address expiring to notify the client of the pending address change. (Please note that this field appears on IPB Listing but is not used by any other programs with the release of AR300) (0 Conversion Standard) Include New Addr on Ntc IP-MAIL-CHG-NEW-ADDR-CODE (1) Option to include the new address on the client notify notice for the expiring old addresss (0 Conversion Standard) Include Old Addr on Ntc IP-MAIL-CHG-OLD-ADDR-CODE (1) Option to include the old address on the client notify notice for the beginning new address (0 Conversion Standard) Page 37 of 219

Transaction Retention The following fields are the number of months to retain the specified application for online history. Share Retention IP-RETAIN-SH (2) Share (sub account 00) (VCU004) (3 at EPL Data Center Installation) Loan Retention IP-RETAIN-LN (2) Consumer/Loandraft loans (sub accounts 01-29) (VCU004) (3 at EPL Data Center Installation) Club Retention IP-RETAIN-CB (2) Non-IRA Clubs and IRA deposits (sub accounts 51-69) (VCU004) (6 at EPL Data Center Installation) File Maintenance Retention IP-RETAIN-FM (2) Maintenance on i-power and/or i-power and STRIPE. (ATM101; SW 6 on, VCU096) (0 at EPL Data Center Installation) Share Draft Retention IP-RETAIN-SD (2) Drafts / MMF Drafts (sub account 71-79) (VCU004) (2 at EPL Data Center Installation) Page 38 of 219

Transaction Retention Certificate of Deposit Retention IP-RETAIN-CD (2) Non-IRA Certificates and IRA deposits (sub accounts 81-99 & 901-999) (VCU004) (12 at EPL Data Center Installation) Credit Card Retention IP-RETAIN-CC (2) Credit Cards (sub accounts 401-499) (VCU004) (3 at EPL Data Center Installation unless otherwise specified) Check Retention IP-RETAIN-CK (2) Check retention for official checks Mortgage Loan Retention IP-RETAIN-ML (2) Mortgage Loans (sub accounts 31-39) (VCU004) (3 at EPL Data Center Installation unless otherwise specified) File Maintance History will be available for 7 calendar days when IP-RETAIN- FM = 0 (VCU096 SW 6 - off). If IP-RETAIN-FM > 0 ; run VCU096 with SW 6 - on. Teller totals are available for 7 calendar days (VCU095). IRA Club and IRA Certificate withdrawal transactions will be available for the entire current year regardless of IP-RETAIN-xx. Escrow club transactions will be available for 15 months from the closing transaction regardless of IP-RETAIN-CB. Page 39 of 219

Business Date Share Effective Date IP-SH-EFF-DT (8) (Not in standard i-power) (0 Conversion Standard) Loan Effective Date IP-LN-EFF-DT (8) (Updated by VCU600) (0 Conversion Standard) ATM Effective Date IP-AT-EFF-DT (8) (ATMEOD & VCUEOD) (0 Conversion Standard) Club Effective Date IP-CB-EFF-DT (8) (Not in standard i-power) (0 Conversion Standard) Share Draft Effective Date IP-SD-EFF-DT (8) Business date for share draft transactions (CCYYMMDD) (VCU170) (Live Installation date - 1 business day at Installation.) Compared to the Date Last Dividend (DV-LST-DVN) to determine whether the Draft Daily Accrual program has accrued for the day. If this date <= Date Last Dividend, VCU409 will display "Daily Interest has been Accrued for Dvnd Record Type #". (VCU409) Page 40 of 219

Business Date Certificate of Deposit Effective Date IP-CD-EFF-DT (8) (Not in standard i-power) (0 Conversion Standard) Mortgage Loan Effective Date IP-ML-EFF-DT (8) (Updated by VMU600) (0 Conversion Standard) Page 41 of 219

ATM Area Cd Dy Cy IP-ATM-CD-DY-CY (3) (Not in standard i-power) (0 Conversion Standard) CD Iss Yrs IP-ATM-CD-ISS-YRS (2) (Not in standard i-power) (0 Conversion Standard) Sr Rest Db IP-ATM-SR-REST-DB (1) (Not in standard i-power) (0 Conversion Standard) Sr Rest Cr IP-ATM-SR-REST-CR (1) (Not in standard i-power) (0 Conversion Standard) Sr Rest Fr IP-ATM-SR-REST-FR (1) (Not in standard i-power) (0 Conversion Standard) Sr Rset To IP-ATM-SR-REST-TO (1) (Not in standard i-power) (0 Conversion Standard) Cnt Pro SH Wd IP-SH-CNT-PRO-ATM-SW (1) Increment the withdrawal counters for Proprietary ATM share withdrawals. (0 Conversion Standard) Cnt Loc SH Wd IP-SH-CNT-LOC-ATM-SW (1) Increment the withdrawal counters for Local ATM share withdrawals. (0 Conversion Standard) Page 42 of 219

ATM Area Cnt Reg SH Wd IP-SH-CNT-REG-ATM-SW (1) Increment the withdrawal counters for Regional ATM share withdrawals. Withdrawal counters includes: SH-MTH-WDL-COUNT SH-QTR-WDL-COUNT SH-YR-WDL-COUNT CB-MTH-WDL-COUNT CB-QTR-WDL-COUNT CB-YR-WDL-COUNT The values in IP-REPT-FLG (57) and IP-EXCESS-WDL-PRD determine which counters to update. True = 1 = Increment False = 0 = Do not increment (OL2020) (0 Conversion Standard) Rt Nbr IP-ATM-R-T-NR (8) (Not in standard i-power) (0 Conversion Standard) Onl Ws Sv IP-ATM-ONL-WD-SW (1) (Not in standard i-power) (0 Conversion Standard) Onl ODX Fee IP-ATM-INST-OF-AM (S7,2) Amount of overdraft transfer charge for ATM/Debit Card transactions online (Not in standard i-power) (0 Conversion Standard) Page 43 of 219

ATM Area Onl NSF Fee IP-ATM-INST-ON-AM (S7,2) Amount of NSF charge for ATM Debit card transaction online (Not is standard i-power) (0 Conversion Standard) Card Fee IP-ATM-CARD-FEE (S7,2) (Not in standard i-power) (0 Conversion Standard) Trx Fee IP-ATM-TRX-FEE (S7,2) (Not in standard i-power) (0 Conversion Standard) Fee Exc Pro Wd IP-SH-FEE-PRO-ATM-SW (1) Assess the excess withdrawal fee on Proprietary ATM share and/or club withdrawals. (0 Conversion Standard) Fee Exc Loc Wd IP-SH-FEE-LOC-ATM-SW (1) Assess the excess withdrawal fee on Local ATM share and/or club withdrawals. (0 Conversion Standard) Fee Exc Reg Wd IP-SH-FEE-REG-ATM-SW (1) Assess the excess withdrawal fee on Regional ATM share and/or club withdrawals. False/no = 0 = Do not assess the fee True/yes = 1 = Assess the fee (OL2020) (0 Conversion Standard) FDR Debit IP-FDR-DEBIT-SW (1) Assess name/address change when running vcu115 for file for ATMFDR False/no = 0 = Do not assess True/yes = 1 = Assess (0 Conversion Standard) Page 44 of 219

General Ledger GL Type System IP-GL-TYPE-SYSTEM (1) 0 = No GL system available 1 = Basic GL 3 = FTI Micro GL 4 = FTI Host GL (OLGBMI, OLSH01, VCI101, VCU115, VCU149, VGI006, VJIFTI, VJIMRG & TELLER) GL High Branch IP-GL-HIGH-BR (2) Highest branch number allowed. 0 = Not on branch accounting >0 = On branch accounting 99 = Using FTI Micro & FTI Host GL interface, does not apply to Basic GL (OL2020, OLFHHY, OLMNHY, OLSCRN, OLSH01, VGI006 & TELLER) If > 0 ; i-power will not allow : 1) A GL account number to be opened with a branch number > than this field. 2) Branch Number (MA-ACCT-BRANCH-NR) SHxxSC screen > than this field. SECTRMA's "BR #" is used for TR-BRANCH-NR and GI-CASH-POINTERS. MA-ACCT-BRANCH-NR is used for TR-HOME-BRANCH. GL Last Period IP-GL-LST-PERIOD (8) The date the credit union last finalized. (Basic GL only) (OLSH01) GL Journal Source GL Key IP-GL-JS-GL-KEY (4) Default journal source to be used if a number in not entered in the Journal Source field when keying a GL transaction. (Basic GL only) (9000 Conversion Standard for Basic GL) Page 45 of 219

Max-Min Values Maximum Number of Telephone Inquiries IP-MAX-NR-TEL-INQ (2) Determines whether an asterisk '*' is displayed on the monetary history screen between the member's name and SSN. When Nbr Phone Inq MTD (SHxxUF screen) is greater than this field, the '*' is displayed. (OL2020, OLMNHY & OLFHHY) (0 Conversion Standard) Max Br IP-MAX-BR (3) (Not in standard i-power) (0 Conversion Standard) Minimum Balance IP-MIN-BAL (S7) MR2.1.0 Release May 2005 CQ# 67393 Setup and Maintain Share Product Classes. (Whole dollars) Minimum share balance used to calculate the available share balance and restrict withdrawals to the available balance. "S" in the override field will allow withdrawals below this amount. (OL2020 & TELLER) This field is now read from and populated in the Share Product Class structure within i-power. Please refer to the Share Options Guide for detailed information on the setup and maintenance of these fields. Date Last Par Charge IP-DT-LS-PAR-CHG (8) Business date of the last execution of the Share Par Value Charge program. (CCYYMMDD) (VCU123) Page 46 of 219

Quarter Statements Fiche Hd Fl IP-FICHE-HEAD-FL (1) (Not in standard i-power) (0 Conversion Standard) Stmt Det Lns IP-STMT-DET-LINES (2) (Not in standard i-power) (0 Conversion Standard) Rep Nxt Dvnd IP-REP-NEXT-DVND (1) (Not in standard i-power) (0 Conversion Standard) Separate Print File and Multiple Pages IP-SEP-MULTPLS (1) Create 1 statement print file or separate print files for single and multiple page statements. 0 = No, create 1 print file 1 = Yes, separate (VCI171, VCI176 & VCI740) (0 at EPL Data Center Installation) Hold No Mails IP-HOLD-NOMAILS (1) All statements with MA-MAIL-CODE > 1 will be separated to a unique print file. 0 = No ; do not separate 1 = Yes ; separate (VCI171, VCI176 & VCI740) (1 at EPL Data Center Installation) Page 47 of 219