Understanding and Interpreting History Thursday, May 3, 2012, at 2:00 EST Moderated by Pattie Mastin, Account Manager

WELCOME Understanding and Interpreting History Thursday, May 3, 2012, at 2:00 EST Moderated by Pattie Mastin, Account Manager

AGENDA History Overview Options Available with History Accessing History History Screens Common Fields Found in History Interpreting History Sample History Screens Researching a History Transaction History Comments / History Codes

History Overview: History entries are generated from three sources: On-line processing Batch processing System processing Transactions are grouped by borrower number and borrower loan number Each transaction is assigned a sequence number and a date so that the entries can be viewed chronologically.

History Menu:

The History Menu gives you several options for choosing the type and amount of history you will view. 1. You can view history for a borrower, a loan, or an account by choosing: Borrower number Program and loan number Account number 2. You have options for choosing the type of history you want to view. HALL HADV HOSB HBOR HCON HDEF HCAN HLON HPAY HPRI HOSB 3. You have a research option available to examine specific transactions

Accessing History: (History is accessible through System III and System 3i.) Accessing History through System III: 1. Access the History Menu by keying HIST and pressing ENTER. 2. Key the option for the type and amount of history you wish to view. 3. Press ENTER. The screen for the options you have chosen will appear.

Option Code Research Option Search Argument Description HOSB N/A Borrower Number, Account Number, or Program and Loan Number HADV RADV Borrower Number, Account Number, or Program and Loan Number HPAY RPAY Borrower Number, Account Number, or Program and Loan Number HDEF RDEF Borrower Number, Account Number, or Program and Loan Number HCAN RCAN Borrower Number, Account Number, or Program and Loan Number List of all bills outstanding for this borrower on all loans, loans within this consolidation, or a single loan, depending on the Search Argument. List of all advances and advance reversals made for this borrower for all loans, loans within this consolidation, or a single loan, depending on the Search Argument. List of all payments, payment reversals, and manually input history comments made for this borrower on all loans, loans within this consolidation, or a single loan, depending on the Search Argument. List of all deferments, deferment reversals, denials or returns of deferment forms, and manually input history comments for this borrower for all loans, loans within this consolidation, or a single loan, depending on the Search Argument. List of all cancellations and postponements, plus reversals, returns or denials of these forms, and manually input history comments for this borrower for all loans, loans within this consolidation, or a single loan, depending on the Search Argument.

HCON RCON Borrower Number or Account Number List of all consolidated or unconsolidated transactions or changes to ACH arrangements for this borrower for all consolidations or for the single consolidation having this account number, depending on the Search Argument. HBOR RBOR Borrower Number List of all changes to name and address(es), Student ID, Lender Remark, or other miscellaneous demographic data for this borrower. HLON RLON Borrower Number, Account Number, or Program and Loan Number HALL RALL Borrower Number, Account Number, or Program and Loan Number List of all transactions not included under HBOR Loan or HCON for this borrower for all loans, loans within this consolidation, or a single loan, depending on Search Argument used. This includes all monetary transactions and adjustments affecting loan status as well as notices of borrower contacts. List of all transactions for this borrower (HLON/RLON, HCON/RCON) and all his loans, loans within a consolidation, or a single loan, as appropriate for transaction type and Search Argument used.

Accessing History through System 3i: 1. History Pages Available: Payment History The View Payment History page displays all payments made on the loan and recorded on System III. Prior Servicer and preconversion history will not be displayed. The payments are displayed beginning with the most recent payment and the scroll bar can be used to view additional payments and needed. Deferment History The View Deferment History page allows the user to view all deferments processed on the loan on System III. As with payment history, prior servicer and pre-conversion deferments are not displayed. Cancellation History The View Cancellation History page allows the user to view all cancellations processed on the loan on System III. As with payment and deferment histories, prior servicer and preconversion cancellations are not displayed. 2. History Comment Display: accessible through Account Details

Interpreting History: 1. How Transactions are Displayed on History Screens - Most current data is displayed first On System III, a message at the bottom of the screen will indicate that you are viewing the last page of history. History is displayed chronologically by the most recent transaction date 2. Paging within the History Listings Moving Back and Forth Displaying History for a Particular Period You can limit the amount of history viewed by entering a start and end date NOTE: History is only displayed for the last two years from the current date. Entering all zeros in the Search Start Date field will take you to the beginning of the history. System 3i History Comment Filters

Format of History Listings: (HALL All History Display Screen) ALL HISTORY DISPLAY OPTION B SEARCH START DATE 012400 END 999999 ACCOUNT 999 980 140 01 _ SSN 990 00 0140 TRAINING FILE PROGRAM 99920 LOAN 999 98 0140 24 STUDENT ID NAME HOOVER, CLYDE GOVERNOR'S SON 204 N RAY ST CITY/STATE WINSTON-SALEM, NC ZIP 23384 PHONE 724 669 4847 GOOD GOOD DOM SRC INST ADR CHG 04 30 96 PH SRC BORR PH CHG 09 07 01 TRANDT P PROGM LOAN NUMBER S TRAN DESC T R A N S A C T I O N D E T A I L TO #BIL 116 AMT 44.67 FREQ M #BIL 001 AMT 44.59 FREQ M TOTAL FINCHGS 1096.85 GEN BIL000 122101 99920 999980140-24 W HIST COMMENT EIR-CLD PH#-WOULD RING TWICE 122101 99920 999980140-24 W HIST COMMENT AND THEN DISCONNECT-CLD DA-NL 122501 * 99920 999980140-24 B DEFERMENT TYPE S FS 020100 FE 020600 PS 011225 PE 020624 HARDSHIP-RSCHD CD-2 DEF PLAN- 010702 99920 999980140-24 SYSTEM HIST CM 75 DAY EIP NOTICE 012402 99920 999980140-24 B REPR LOAN ADJ ORIG TRAN: DEFERMENT ORIG TRANDT: 011225 AMT DUE 44.67- PAST.00+ INT ACRD 17.91- PAID.00+ I0000 LAST PAGE OF HISTORY

Fields Common to All History Screens: (except for Outstanding Billing History Display) 1. SEARCH START DATE and END The search option allows you to limit the history display to a particular period 2. SEARCH ARGUMENT These are common to all screens in the borrower loan processing database 3. PRIMARY ADDRESS, TELEPHONE NUMBER, ADDRESS LOCATION, and ADDRESS STATUS of the borrower as well as SOURCE

Format of History Listings: ALL HISTORY DISPLAY OPTION B SEARCH START DATE 012400 END 999999 ACCOUNT 999 980 140 01 _ SSN 990 00 0140 TRAINING FILE PROGRAM 99920 LOAN 999 98 0140 24 STUDENT ID NAME HOOVER, CLYDE GOVERNOR'S SON 204 N RAY ST CITY/STATE WINSTON-SALEM, NC ZIP 23384 PHONE 724 669 4847 GOOD GOOD DOM SRC INST ADR CHG 04 30 96 PH SRC BORR PH CHG 09 07 01 (1) (2) (3) (4) (5) (6) (7) TRANDT P PROGM LOAN NUMBER S TRAN DESC T R A N S A C T I O N D E T A I L TO #BIL 116 AMT 44.67 FREQ M #BIL 001 AMT 44.59 FREQ M TOTAL FINCHGS 1096.85 GEN BIL000 122101 99920 999980140-24 W HIST COMMENT EIR-CLD PH#-WOULD RING TWICE 122101 99920 999980140-24 W HIST COMMENT AND THEN DISCONNECT-CLD DA-NL 122501 * 99920 999980140-24 B DEFERMENT TYPE S FS 020100 FE 020600 PS 011225 PE 020624 HARDSHIP-RSCHD CD-2 DEF PLAN- 010702 99920 999980140-24 SYSTEM HIST CM 75 DAY EIP NOTICE 012402 99920 999980140-24 B REPR LOAN ADJ ORIG TRAN: DEFERMENT ORIG TRANDT: 011225 AMT DUE 44.67- PAST.00+ INT ACRD 17.91- PAID.00+ I0000 LAST PAGE OF HISTORY

Fields Common to All History Screens: 1. TRANDT The effective date of the transaction 2. P Posting Sequence * = the post date is different from the transaction date 3. PROGM Program number for the loan affected by the transaction 4. LOAN NUMBER Loan number of the affected loan

Fields Common to All History Screens: 5. S Transaction Source; where authorization for the transaction occurred A = Automatic Direct Draft L = Lockbox W = Campus Partners I = Institution B = Borrower C = Collection Agency D = DataLink R = IRS S = System-generated T = Tax Offset K = Clearing House 6. TRAN DESC Abbreviated description of the transaction 7. TRANSACTION DETAIL Details of the actual changes made

Interpreting History: TRANSACTION DESCRIPTION and DETAIL The information displayed will vary depending on the transaction Transaction Detail usually shows the previous value of the field(s) changed in the transaction. Example: TRAN DESC TRANSACTION DETAIL DRIV LIC # FROM 99873948 DRIV LIC ST FROM NC TO WV Transactions that involve longer fields will not show the new value. To view this information, look in history for the FROM value in the next transaction that changed the field or at the current value of the field, if it has not been changed since this transaction.

Interpreting History: TRANSACTION DESCRIPTION and DETAIL 1. Address Transactions All address transaction are listed under the heading ADR CHG/ADD/DEL. The old value of lines that were changed will be printed with the following headings: ADR1, ADR2, ADR3 These will precede address line 1, 2, and 3 respectively C/S City/State field Z/CY Zip Code or Country (for a foreign address) PHONE Area Code and Phone Number

Interpreting History: TRANSACTION DESCRIPTION and DETAIL 2. Collection Processing Transactions All collection processing transactions will appear with two possible descriptions: PLACE/TRANS COL for placement of loans in collection or transfer of loans among agencies R/W FROM COL For removal of loans from collection or coding loans to be withheld from placement The following headings may appear in the Detail: ASSGN FLAG Collection Agency Placement Flag before transaction occurred SUCCESS Agency Success Flag before transaction occurred TRANS ACT The type of activity performed AGY# - The agency holding the loan before the transaction occurred ORIG AMT PLACED Original amount placed with previous agency ACT CODE The value of the Collection Action Code AMT COLL Amount collected by previous agency LN PLACED Number of times the loan has been placed ACCL Loan Acceleration Indicator DT PL date placed with previous agency

Interpreting History: TRANSACTION DESCRIPTION and DETAIL 3. Forms Processing Transactions These fields detail the application of a deferment, cancellation, or postponement: TYPE Deferment Type Code (Deferments only) HARDSHIP RSCHD CD Hardship Rescheduling Code (Deferments only) BILL PLAN Hardship Billing code (for Deferments) identifies the billing plan used for the hardship deferment CODE Cancellation Type Code (Cancellations only); what cancellation was processed FS and FE the Form Start and End Dates for the benefit period PS Period Start Date of the accrual period covered by form PE Period End Date of the accrual period covered by form % - Percentage of the loan cancelled (Cancellations only) PRINC Amount of Principal cancelled (Cancellations only) INT Amount of Interest cancelled (Cancellations only) BASE AMT the base amount to which the cancellation percentage is applied (Cancellations only)

Interpreting History: TRANSACTION DESCRIPTION and DETAIL 4. Stop Codes The before and after values of all six codes appear on two lines in the Detail whenever any Stop Code value is changed. Abbreviations for Stop Code functions: IA Interest Accrual IN Invoicing (bills continue to accrue) B Billing (all procedures) PD Past Due Notices DP Delinquency Processing A Audit Statements

Interpreting History: TRANSACTION DESCRIPTION and DETAIL 5. Monetary Transactions Payments, advances, refunds, write-offs, and reversals, monetary amounts will appear in Transaction Detail. A payment transaction, will show the total amount of the payment (TOTAL); amount of the payment which applied to this loan (PMT LN); and application of the payment among Principal, Interest, and Fees. Example: DATE TRAN DESC TRANSACTION DETAIL 111009 PAYMENT PMT LN 120.00+ TOTAL 120.00+ PRIN 35.22+ INT 84.78+ 111009 PAYMENT REVERSAL AMT 120.00+ RSN 9 111009 HIST COMMENT AMT APPLIED TO WRONG ACCOUNT 111009 REPR LOAN ADJ ORIG TRAN: PAYMENT REVERSL ORIG TRANDT: 050614 AMT DUE.00+ PAST 120.00+ PRIN BAL 35.22+ PAID 35.22- INT ACRD 84.78+ PAID 84.78- INT CYR 84.78-

Interpreting History: TRANSACTION DESCRIPTION and DETAIL 6. Reprocessing Transactions Whenever adjustments create the need to change the way previous transactions applied to the loan, System III will reprocess the previous transaction automatically. The history records of the original transactions will not change; a reprocessing transaction will appear in the history on the date the reprocessing was triggered. Example: DATE TRAN DESC TRANSACTION DETAIL 011009 PAYMENT PMT LN 30.00 TOTAL 30.00 PRIN 9.16+ INT 20.84+ 020709 SEP DATE CHG FROM 080510 TO 090510 020709 REPR LOAN ADJ ORIG TRAN: SEP DATE CHG ORIG TRANDT: 090207 AMT DUE 30.00- PAST 30.00- PRIN BAL 20.84- PAID 20.84+ INT ACRD 9.55- PAID 20.84- INT CYR 20.84- PYR.00+

History Screen Samples: HOSB Outstanding Billing History Lists unsatisfied bills for all loans associated with the borrower Does not retain information permanently Entries are displayed in order of bill date OUTSTANDING BILLING HISTORY DISPLAY OPTION B SEARCH START DATE 000000 END 999999 ACCOUNT 999 980 140 01 SSN 990 00 0140 TRAINING FILE PROGRAM 99920 LOAN 999 98 0140 24 STUDENT ID NAME HOOVER, CLYDE GOVERNOR'S SON 204 N RAY ST CITY/STATE WINSTON-SALEM, NC ZIP 23384 PHONE 724 669 4827 GOOD GOOD DOM SRC WSI ADR CHG 04 30 96 PH SRC BORR PH CHG 09 07 01 (1) (2) (3) (4) (5) (6)(7) (8) (9) (10) SB AMT/ (11) DUE DT PROGM LOAN NUMBER CON GEN DT T C AMT DUE BLL INT AMT PD EXMPT DYS (12) 102400 99920 999980140-24 01 091900 2 1 44.72.00.00 112400 99920 999980140-24 01 110400 2 1 45.39.00.00 122400 99920 999980140-24 01 120400 2 1 45.39.00.00 122500 99920 999980140-24 01 000000 3.00.00.00 365 122501 99920 999980140-24 01 000000 3.00.00.00 365 I0000 LAST PAGE OF HISTORY

HOSB Fields: 1. DUE DT the date the payment for the bill is due 2. PROGM program number of the loan 3. LOAN NUMBER 4. CON the consolidation number for the consolidation 5. GEN DT the date the bill was generated 6. T Bill type code (non-repayment interest bill or a repayment bill) 1 = Non-repayment interest bill 2 = Repayment bill 3 = Deferment exempt days segment 4 = Postponement exempt days segment

HOSB Fields: 7. C the conversion code 1 = Bill created after the conversion 2 = Bill created before the conversion 3 = Analyst created bill 8. AMT DUE The original amount of the payment bill 9. BLL INT The billed interest due for non-repayment 10. AMT PD The partial amount of the billed amount due that has been paid 11. SB AMT Special Bill Amount. The mount to be billed during the special billing period or during a customer adjustment period 12. EXEMPT DYS the number of days the loan is exempt from billing due to a form processed. This period begins on the date shown in the DUE DT field for this listing.

History Screen Samples: HPAY Payment History Display PAYMENT HISTORY DISPLAY OPTION B SEARCH START DATE 100183 END 999999 ACCOUNT 999 980 005 01 SSN 990 00 0005 PROGRAM LOAN STUDENT ID NAME, PAUL L 71 ELLINGTON RD CITY/STATE ZIP 12306 PHONE 394 420 BAD GOOD DOM SRC WSI ADR CHG 09 19 84 PH SRC PH CHG 00 00 00 TRANDT P PROGM LOAN NUMBER S TRAN DESC T R A N S A C T I O N D E T A I L ORIG TRANDT: 841130 INT ACRD 5.66+ PAID.00+ 121884 99920 999980005-05 W REPR LOAN ADJ ORIG TRAN: STOP CODES ORIG TRANDT: 841130 121884 99920 999980005-05 W REPR LOAN ADJ ORIG TRAN: CI LOAN SEG01 ORIG TRANDT: 841218 INT ACRD 9.11+ PAID.00+ 020785 99920 999980005-01 W PAYMENT PMT LN 16.72+ TOTAL 101.65+ PRIN 16.13+ INT.59+ 020785 99920 999980005-05 W PAYMENT PMT LN 84.93+ TOTAL 101.65+ PRIN 54.10+ INT 30.83+ 100185 99920 999980005-05 W PAYMENT PMT LN 50.00+ TOTAL 50.00+ PRIN.00+ INT 50.00+ I0000 LAST PAGE OF HISTORY

History Screen Samples: HBOR Borrower History Display BORROWER HISTORY DISPLAY OPTION B SEARCH START DATE 100183 END 999999 ACCOUNT 999 980 005 01 SSN 990 00 0005 PROGRAM LOAN STUDENT ID NAME, PAUL L 71 ELLINGTON RD CITY/STATE ZIP 12306 PHONE 394 420 BAD GOOD DOM SRC WSI ADR CHG 09 19 84 PH SRC PH CHG 00 00 00 TRANDT P PROGM LOAN NUMBER S TRAN DESC T R A N S A C T I O N D E T A I L ZIP 05401- PH 000-000-0000 081784 O W ADR UPD-SEC 01 PH 000-000-0000 081784 O W ADR UPD-SEC 01 PH 000-000-0000 091484 O W ADR UPD-PRI 00 ADR1 NEW BRITIAN AVE ADR2 APT B7 C/S C ZIP PH -522-5808 092184 O W ADR UPD-PRI 00 ADR1 LAUREL HILL RD ADR2 BROOKFIELD C/S C ZIP 0 - PH 000-000-0000 100185 W INST REMARK SYSTEM# 99990 LNDR# 001 FROM I0000 LAST PAGE OF HISTORY

History Screen Samples: HDEF Deferment History Display DEFERMENT HISTORY DISPLAY OPTION B SEARCH START DATE 100183 END 999999 ACCOUNT 999 980 005 01 SSN 990 00 0005 PROGRAM LOAN STUDENT ID NAME, PAUL L 71 ELLINGTON RD CITY/STATE ZIP 12306 PHONE 394 420 00 00 TRANDT P PROGM LOAN NUMBER S TRAN DESC T R A N S A C T I O N D E T A I L HARDSHIP-RSCHD CD- DEF PLAN- 081784 O 99920 999980005-01 HIST COMMENT AUDIT MSG 28 081784 O 99920 999980005-05 HIST COMMENT AUDIT MSG 28 081784 O 99920 999980005-05 B DEFERMENT TYPE G FS 000000 FE 000000 PS 830901 PE 840501 HARDSHIP-RSCHD CD- DEF PLAN- 092184 O 99920 999980005-01 HIST COMMENT 65TEL/C-STATUS 092184 O 99920 999980005-05 HIST COMMENT 65TEL/C-STATUS 120484 * 99920 999980005-01 W HIST COMMENT BORR CALLED FOR PAYOFF 120484 * 99920 999980005-05 W HIST COMMENT BORR CALLED FOR PAYOFF 090485 * 99920 99980005-01 B DEFERMENT TYPE S FS 850900 FE 851200 PS 850904 PE 851203 HARDSHIP-RSCHD CD-2 DEF PLAN- I0000 LAST PAGE OF HISTORY

History Screen Samples: HADV Advance History Display ADVANCE HISTORY DISPLAY OPTION B SEARCH START DATE 100183 END 999999 ACCOUNT 999 980 241 01 SSN 990 00 0241 TRAINING FILE PROGRAM 99920 LOAN 999 98 0241 01 STUDENT ID NAME GIANNA N RT.1-A,BOX 2-B CITY/STATE WINSTON-SALEM, NC ZIP PHONE 304 550 GOOD GOOD DOM SRC BORR ADR CHG 05 23 91 PH SRC PH CHG 00 00 00 TRANDT P PROGM LOAN NUMBER S TRAN DESC T R A N S A C T I O N D E T A I L 012185 * 99920 999980241-01 I ADVANCE TRAN BASE 001 BASE CD 4 ADV DT-850121 ADV AMT- 500.00+ DISB CD-P FUND ISSUE 021585 O 99920 999980241-01 ADVANCE TRAN BASE 000 BASE CD ADV DT-840901 ADV AMT- 500.00+ DISB CD- FUND ISSUE I0000 LAST PAGE OF HISTORY

Researching a History Transaction: RALL - All History Display Research ALL HISTORY DISPLAY - RESEARCH OPTION B SEARCH START DATE 012500 END 999999 ACCOUNT 999 980 153 SSN 990 00 0153 PROGRAM LOAN STUDENT ID NAME CLYDE 401 BEVERIDGE RD CITY/STATE WINSTON-SALEM, NC ZIP PHONE 973 456 GOOD GOOD DOM SRC WSI ADR CHG 01 26 88 PH SRC WSI_ PH CHG 06 18 98 TRANDT P PROGM LOAN NUMBER S TRAN DESC T R A N S A C T I O N D E T A I L INT CYR.28- SEQ-151 POSTDT- 030404 EMP#-W680 BATCH- ITEM- GROUP- 030404 99980 999980153-01 W LOAN STATUS FROM 090 TO 080 SEQ-052 POSTDT- 030404 EMP#- W680 BATCH- ITEM- GROUP- 030404 99980 999980153-01 I REPR LOAN ADJ ORIG TRAN: PAYMENT REVERSL ORIG TRANDT: 970409 AMT DUE.00+ PAST 35.02+ PRIN BAL 28.96+ PAID 28.96- INT ACRD 6.24+ PAID.23- IN CYR.23- SEQ-153 POSTDT- 030404 EMP#- W680 BATCH- ITEM- GROUP- 030404 99920 999980153-02 W R/W FROM COLL ASSGN FLG- SUCCESS-X TRANS ACT-W SEQ-154 POSTDT- 939494 EMP#- W680 BATCH- ITEM- GROUP- I0000 LAST PAGE OF HISTORY

For additional detail: 1. SEQ Sequence number assigned to this transaction by the system 2. POSTDT The date the transaction posted to the account. 3. EMP # - The User ID Number of the employee who keyed the transaction 4. BATCH Batch number assigned to work with which this transaction was processed 5. ITEM The item number assigned to this transaction within the specified batch 6. GROUP This field indicates whether this transaction was originally recorded under this borrower number

History Comments: Making history comments on System III HCMT entering a free form comment HCOM utilizing specific history codes HCMT - FREE-FORM HISTORY COMMENTS OPTION CHG ACCOUNT 999 980 105 01 SSN 990 00 0105 PROGRAM LOAN STUDENT ID NAME, CLYDE DATE VARIABLE COMMENTS REQ(X) PGM LOAN NUMBER CONS 01 X 99920 999 98 0105 09 X 99921 999 98 0105 09

History Comments: HCOM - HISTORY COMMENT OPTION CHG ACCOUNT 999 980 105 01 SSN 990 00 0105 PROGRAM LOAN STUDENT ID NAME, CLYDE ADDR1 75 CUMBERLAND ST ADDR2 CITY/STATE WINSTON-SALEM, NC ZIP 23384 PHONE 336 548 9265 GOOD GOOD DOM SRC INST ADR CHG 01 02 01 PH SRC INST PH CHG 01 24 02 CODE VARIABLE COMMENT TRANSLATION DATE _ AUDIT REQ(X) PGM LOAN NUMBER ST CONS 01 X 99920 999 98 0105 09 10 X 99921 999 98 0105 09 10

Making history comments on System 3i -

QUESTIONS?

Thank you for joining us! Should you have questions or need additional training, please contact Pattie Mastin at pmastin@campuspartners.com or call 800-458-4492 Ext. 2011