of - nebraska...0 tltle 45 - department of banking and finance 001.01a if any of the followlng...
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Title 4 S - DEPARTMENT OF BANKING AND FINANCE
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C h a p t e r 23 - M I N I M U M RECORD K.EEPING STANDARDS
001 I n t r o d u c t l o n . The N e b r a s k a D e p a r t m e n t o f B a n k l n g a n d F l n a n c e I s d e f l n l n g s t a n d a r d s f o r c e r t a l n a s p k t s o f c o m p u t e r l z e d r e c o r d k e e p l n g s y s t e m s a p l o y e d I n t h e r e c o r d l n g , u p d a t l n g a n d m a l n t e m n c e o f t h e f l n a n c l a l
s t a n d a r d s v l t h l n sound r e c o r d k e e p t n g p r l n c l p l e s r h l c h t h e 0 I r e c t o . r deems t r a n s a c t l o n s o f S t a t e C h a r t e r e d Banks. The purpose Is t o e s t a b l I s h m l n l m u m
n e c e s s a r y t o a s c e r f a l n t h e t r u e c o n d l t l o n o f t h e bank, and t o I n s u r e t h a t S t a t e E x a m l n e r s c a n e x t r a c t o r h a v e e x t r a c t e d l n f o r m a t l o n f r o m d a t a f l l e s t h a t Is n e c e s s a r y t o t h e e x a m l n a t l o n . I n g e n e r a l , d a t a c e n t e r s s h o u l d r e c o r d . , u p d a t e a n d m a l n t a l n s p e c l f l c I n f o m e t t o n a s s e t f o r t h h e r e l n , w h l l e t h e v a r l o u s d e p a r h n e n t s o f t h e b a n k s h o u l d s u b m l t l n f o m a t l o n I n a f o r m a t s p e c i f l e d b y t h e d a t a c e n t e r . D e f l n l t l o n s a n d g u l d e l l n e s s e t f o r t h h e r e l n a r e I n t e n d e d t o a l d d a t a c e n t e r s a n d b a n k s I n c o m p l l a n c e r l t h t h e s e s t a n d a r d s .
A d a t a c a n t e r Is d e f l n e d as: 1 ) a d a t a p r o c e s s l n g d e p a r t m e n t v l t h l n a bank
o r g a n l z a t l o n t h a t p r o c e s s e s t h e ' t r a n s a c t f o n s of a s t a t e c h a r t e r e d bank; s t a f f e d b y d l r a t employees o f t h e ba.nk; 2 ) a d a t a p r o c e s s l n g ssrvlce
b y t h e bank, o r owned w h o l l y o r p a r t l a l l y b y o t h e r b a n k s , o r p r l v a i a l n c l u d l n g b u t n o t I l m l t e d t o s e r v i c e o r g a n l z a t l o n s v h o l l y o r partially owned
o r g a n l z a t l o n s n o t a f f l l l a t e d w l t h any b a n k t h a t p r o v i d e s s e r v i c e s b y c o n t r a c t u a l a g r e e m e n t .
The c o m p u t e r l z e d r e c o r d s o f t h e b a n k s h o u l d b e m a l n t a l n e d a c c o r d l n g t o t h e s t a n d a r d s s e t f o r t h h a r e l n a f t e r . T h e s e a r e m l n l m u m s t a n d a r d s o n l y ; any a d d l t l o n a t d a t a , n o t d e f l n e d h e r e l n . may b e I n c l u d e d 1.n t h e c o m p u t e r l z e d r e c o r d s o f t h e b a n k .
Those f l e l d s r h l c h r e f l e c t t h e o r l g l n a l t e r m s , c o n d l t l o n s o r p r o v l s l o n s e n t e r e d I n t o b y a n d b e t w e e n t h e b a n k a n d t h e c u s t o m e r , s h o u l d n o t b e a l t e r e d b y f l l e m a l n t e n a n c e t r a n s a c t l o n s , e x c e p t t o c o r r e c t a r e c o r d l n g o r p r o c e s s t n g e r r o r . I n the e v e n t any o f t h e s e f i e l d s e r e a l t e r e d . a h a r d c o p y ( r e p o r t , m l c r o f l l m , e t c . ) r e c o r d o f same s h o u l d b e c r e a t e d a n d r e t a i n e d I n a c c o r d a n c e r l t h 8-107.
001 -01 DEMAND DEPOSI T ACCOUNTS (DEFINITIONS)
. . ... ..'
0 T l t l e 4 5 - D E P A R T M E N T O F B A N K I N G A N D F I N A N C E
001.01A I f any o f t h e f o l l o w l n g a c c o u n t s a r e m a l n t a l n e d I n t h e
o f accoun t numbers Is not a n a c c e p t a b l e m e t h o d . c o m p u t e r r e c o r d s , t h e y m u s t b e I d e n t l f l e d b y a u n l q u c c o d e . R a n g e
D 0 1 . 0 1 A I TYPE CODE - d e s l g n a t e s a n a c c o u n t t h a t r e c e l v e s s p e c l a l s e ' w l c e s .
001 .01Ala R E V O L V I N G C R E D I T A C C O U N T ( O V E R D R A F T C H E C K I N G ACCOUNTI A - d m a n d d e p o s l t a c c o u n t o n r h l c h t h e b a n k h a s pre-approved payment o f l n s u f f l c l e n t checks..
001.01AZ I D E N T l F I C A T l O N CODE - des lgna; tes owner o f t h e f u n d s .
0 0 l . O l A Z a P U B L I C F U N D A C C O U N T D e p o s l t s may I n c l u d e : 1 ) f o r r h l c h t h e bank Is r e q u l r e d t o p l e d g e s e c u r l t l e s o r , 2 ) b e l o n g l n g t o a n y f e d . e r a I , s t a t e . l o c a l p u b l l c e n t l t y o r , 3 1 d e p o s l t e d b y a n o f f l c e r o f a p u b l l c e n t l t y I n a n o f f l c l a l c a p a c l t y . A method o f d l f f e r e n t l a t l o n b e t w e e n f e d e r a l a n d s t a t e , c o u n t y m u n l c i p a l d e p o s i t s s h o u l d b e m a l n t d t n e d .
001 .OIAZb CREDl T BANK ACCOUNT (COMMONLY REFERRED TD A S CORRESPONDENT BANK ACCOUNTS) D e p o s l t s d u e t o any commerc la l bank , sav lngs bank o r t r u s t company.
001.01AZc TRUST FUND ACCOUNT F u n d s d e p o s l i e d I n y o u r . b a n k b y t h e T r u s t ' D e p a r t m e n t o f y o u r bank. Thls Is a p p l l c a b l e t o b a n k s v l t h t r u s t p o r e r s o n l y .
001.01AZd ACCOUNTS OF O IRECTDRS, OFFICERS O R E M P L O Y E E S 3F YOUR BANK A s l n g l e c o d e m a y b e used t o I d e n t l t y 1 1 1 t h r e o c a t e g o r l e s .
00 l .O lAZe OEALER RESERVE ACCOUNT An a c c o u n t b e i o n g l n g t o any r e t a l l d e a l e r , t h e p u r p o s e o f w h l c h Is t o r e c e l v e S h a t dea1er.s p o r t l o n o f t l n a n c e c h a r g e s , c r e d l t l n s u r o n c e premlums or o t h e r s l m l l a r t y p e f u n d s .
001 .01A2f BANK CONTROL ACCOUNT E a c h a c c o u n t , w h l c h
expense checks o r o t h e r s l m i l a r b a n k c h e c k s , o r r h l c h r e p r e s e n t s o u t s t a n d l n g cashier's C h e c k s , o f f l c e r ' s c h e c k s ,
r e p r e s e n t s u s p e n s e Ifas, u n p o s t e d I t e m s , . Income. expense, o r a n y o t h e r t y p e o f a c c o u n t b e l o n g l n g t o t h e b a n k . ( E a c h s u c h I t e m so m a l n t a l n e d s h a l l b e c a r r l e d I n a s e p a r a t e accou nt.)
T i t l e 4 5 - D E P A R T M E N T OF B A N K I N G A N D F I N A N C E
001.01AS S T A T U S CODE - d e s l g n a t e s a u n l q u e f e a t u r e o f a n l n d l v l d u a l a c c o u n t . m e s e ' c o d e s may n o t n e c e s s a r l l y b e m u t u a l l y e x c l u s l v e .
O O I . O I A S ~ ACCOUNTS ON UHICH NO S T A T E M E N T I S m BE PRINTED.
001.01AJb ACCOUNTS ON W H I C H NO S T A T E M E N T I S x) B E M A I L E D .
' 001 .01 A S C R E S T R I C T E D A C C O U N T An a c c o u n t o n r h l c h n o t l f l c a t l o n h a s b e e n . g l v e n o r r e c e l v e d b y t h e b a n k t o p r e c l u d e a c t l v l t y I n t h a t a c c o u n t .
001.01ASd DORMANT ACCOUNT A n a c c o u n t b e l o n g t n g t o a n e n t l t y w h l c h t h e b a n k c a n n o t l o c a t e o r I d e n t l f y . T h l s s h a l l not I n c l u d e a n a c c o u n t I n v o l v e d I n l l t l g a t l o n ' w h e r e t h e c o u r t w l l l d e t e n n l n e t h e r l g h t f u l o w n e r o f t h e f u n d s ; o r a n a c c o u n t a w a l t l n g d l s t r l b u t l o n t h r o u g h e s t a t e s e t t l e m e n t p rocedu res .
001.OlASe I N A C T I V E A C C O U N T A n a c c o u n t I n r h l c h no c u s t o m e r I n l t l a t d d o l l a r a c t l v l t y h a s o c c u r r e d , f o r a p e r l o d o f t l m e
. as s p e c l f l e d b y t h e B o a r d o f O l r e c t o r s o f y o u r b a n k . I n a c t l v e b c c o u n t m e a n s a n a c c o u n t I n w h l c h your b a n k s t 1 1 I h a s c o n t a c t a s o p p o s e d t o a d o n n a n t a c c o u n t a s d e f l n e d a b o v e .
001.01B F l e l d s o f d a t a t h a t m u s t b e r e c o r d e d I n t h e c o m p u t e r records:
001.01B1 D A T E ACCOUNT OPENED The d a t e t h e a c c o u n t was opened, o r d e t e t h e I n l t l a l d e p o s l t was made. I f t h e a c c o u n t was o p e n e d p r l o r t o t h e d a t e r e t o r d s w e r e c o n v e r t e d f r o m m a n u a l t o a u t o m a t e d s y s t e m , t h e n t h e d a t e t h e records w e r e so c o n v e r t e d may b e used.
001 .0182 ACCOUNT NUMBER
0 0 1 . 0 1 B S NAME OF O E P O S I m R S h o r t name Is a c c e p t a b l e .
001.01B4 A D D R E S S OF D E P O S I T O R A d d r e s s m u s t I n c l u d e t h e r l p code.
0 0 1 . 0 1 B S C U R R E N T B A L A N C E A c t u a l p o s t e d d o l l a r b a l a n c e O f t h e a c c o u n t t n c l u d l n g u n c p l l e c t e d f u n d s a n d f u n d s o n w h l c h " h o l d s " h a v e b e e n p l a c e d . -
.. , .. . ..
T I ? l e 4 5 - DEPARTMENT OF BANKING AND F I N A N C E
r
0 0 1 . 0 1 6 6 C O L L E C T E D O R UNCOLLECTED FUNDS T h e ? p o r t l o n o f a d e p o s l t b a l a n c e r h l c h h a s e l t h e r b e e n c o l l b c t e d o r u n c o l l e c t e d by t h e d e p o s l t o r y b a n k . E l t h e r m e t h o d r1l.l b e a c c e p t a b l e , e s l o n g as I t Is I d e n t l f l e d .
001 .0187 D A T E AN0 AMOUNT OF L A S T C U S m M E R O E P O S I T T h e d a t e a n d a m o u n t o f t h e last d e p o s l t a c t t v t t y , I n l t l a t s d b y t h e c u s t o m e r , t h a t v a s p o s t e d to t h e a c c o u n t .
6 0 1 . 0 1 6 8 D A T E AN0 AMOUN.1 OF L A S T C U S i D M E R H I THORAWAL T h e d a t e
c u s t o m e r , t h a t v a s pos ted t o ? h e aCCOU4t. a n d a m o u n t o f t h e l a s t - r l t h d r a r a l a c t l v l t y , I n l t l a t e d b y ?he
0 0 1 . 0 1 6 9 D A T E OF L A S T CUSTOMER I N I T I A T E D A C T I V I T Y I N THE ACCOUNT The d a t e t h e l a s t a c t l v . 1 t y v a s p o s t e d t a ?e e c c o u n t r h l c h v a s I n l t l a t e d b y t h e customer.
001.01810 D A T E ACCOUNT W A S OVERDRAWN T h e d a t e a c u r r e n t l y o v e r d r a w n a c c o u n t f l r s t b e c a m e o v e r d r a v n a n d r e m a l n e d I n e c o n t l n u o u s l y o v e r d r a v n s t a t u s .
001 .01611 NUMEER OF T IMES AND NUMBER OF D A Y S AN A C C O U N T W A S OVERDRAWN T h l s c o v l d b e a c c u m u l a t e d on a p r e v l o u s . i w e l y e m o n t h r u n n l n g t o t a l , o r y e a r - t o - d a t e p l u s t o t a l p r e v l o u s y e a r .
0 0 1 . 0 1 6 1 2 D A T E OF THE L A S T S T A T E M E N T The d a t e ,o.f ? h e l a s t s t a t e m e n t o f the a c c o u n t was p r l n t e d a n d a c t l v l t y p u r g e d f r o m t h e f l I e.
001.01813 B A L A N C E OF ' M E L A S T S T A T E M E N T The b a l a n c e o f t h e a s t s t a t m e e t o f t h e a c c o u n t r h l c h v e s p r l n t e d a n d a c t l v l t y v a s p u r g e d f r o m t h e f l l e .
001.02 S A V I N G S D E P O S I T A C C O U N T S ( D E F I N I T I O N S )
001 .02A I f a n y o f t h e f o l l o v l n g a c c o u n t s a r e m a l n t a l n e d I n t h e
o f a c c o u n t n u m b e r s Is not a n a c c e p t a b l e m e t h o d . c o m p u t e r r e c o r d s , t h e y must b e I d e n t l f l e d b y a u n l q u e c o d e . R a n g e
001 .02AI TYPE ACCOUNT CODE
001.02Ala REGULAR S A V I N G S A n I n t e r e s t b e a r l n g e c c o u n t w h e r e r l t h d r a r a l m a y b e m a d e r l t h o u t p e n a l t y .
e
'. . ,
T l t l e 4 5 - O E P A R T H E N T OF B A N K I N G A N 0 F I N A N C E
001.02Alb C L U B S A V I N G S A n a c c o u n t # h e r e ? h e b a n k Is t o make payment a t a p r e a r r a n g e d d a t e , r h l c h may o r may n o t pay I n t e r e s t ( C h r l s t m a s , v a c a t l o n . e t c . )
001.02Alc O T H E R S A V I N G S Any o t h e r a c c o u n t t h a t Is n o t r e g u l a r s a v l n g s o r c l u b s a v l n g s .
001.02A2 I O E N T I F I C A T I O N CODE - d e s l g n a t e s t h e o w n e r o f t h e ' funds.
001.02A2a P U B L I C FUNDS S A V I N G S A C C O U N T S a v l n s d e p o s l t s may
s e c u r l t l e s o r , 2 ) b e l o n g l n g t o a n y f e d e r a l . s t a t e . l o c a l I n c l u d e : 1 ) f o r r h l c h t h e bank Is r e q u l r e d t o p l e d g e
e n t l t y I n a n o f f l c l a l capacity. A method o f d l f f e r e n t l a t l o n p u b l i c e n t l t y , o r 3) d e p o s l t e d b y a n o f f l c e r o f a p u b l i c
b e t w e e n f e d e r a l a n d s t a t e , c o u n t y , m u n l c l p a l d e p o s l t s s h o u l d b e m a l n t a l ned.
00 l .OtA2b CREOI T B A N K S A V I N G S A C C O U N T S a v l n g s d e p o s l t s d u e t o any commerc la i bank , sav lngs bank o r t r u s t company.
001.02AZc T R U S T F U N 0 S A V I N G S A C C O U N T F u n d s d e p o s l ' t e d l n a
bank. Thls .Is a p p l l c a b l e t o b,anks r l t h t r u s t p o w e r s o n l y . s a v l n g s a ' c c o u n t I n your b a n k b y t h e T r u s t O e p a r i m e n t o f y o u r
001.0242d SAVINGS ACCOUNTS OF D I R E C T O R S , O F F I C E R S , O R EMPLOYEES OF Y O U R BANK A s l n g l e c o d e may b e u s e d t o l d e n t l f y a l l t h r e a c a t e g o r l e s .
001 .02A2e BANK CONTROL ACCOUNT Any s a v l n g s a c c o u n t b e l o n g l n g t o t h e b a n k ; such as suspense I t ems and unpos ted I t e m s r e c o r d e d a s s e p a r a t e a c c o u n t s .
001.02AS STAlUS CODE - d e s l g n a t e s a u n l q u e f e a t u r e o f a n I n d l v I d u a l a c c o u n t . T h e s e ' c o d e s may n o t n e c e s s s r l l y b e m u t u a l l y e x c l u s l v e .
O O I . O ~ A S ~ SAVINGS A C C O U N T ON WHICH NO STATEMENT I S m B E P R I N T E D . A n a c c o u n t r h e r e 113 s t a t e m e n t Is t o b e p r o d u c e d b y r e q u e s t o f t h e d e p o s l t o r .
0 T l t l e 4 5 - D E P A R M E N T OF BANKING AND F INANCE
0 0 1 . 0 2 A S b SAVINGS ACCOUNT ON WHICH NO STATEMENT I S ' X I B E MAILED A n a c c o u n t where no s t a t e m e n t I S t o b e m a l l e d .
0 0 l . 0 2 A 3 c RESTRICTED SAVINGS ACCOUNT A s a v l n g s a c c o u n t on w h l c h n o t l f l c a t l o n h a s b e e n g l v e n o r r e c e l v e d b y t h e b a n k t o p r e c l u d e a c t l v l t y I n t h a t a c c o u n t .
0 0 1 .OZASd DORMANT SAVINGS ACCOUNT A s a v I n g s a c c o u n t b e l , o n g l n g t o a n e n t l t y r h l c h t h e b a n k c a n n o t l o c a t e o r I d e n t l f y . l h l s s h a l l not I n c l u d e a n a c c o u n t l n v ' o l v e d I n
o f t h e f u n d s ; o r a n a c c o u n t a w a l t l n g d l s t r l b u f l o n f h r o u g h I l t l g a t l o n w h e r e t h e c o u r t w l l l d e t e n l n e t h e r l g b t f u l owner
es ta te s e t t l e m e n t s procedure.
0 0 1 . 0 2 A S e ' I N A C l l V E S A V I N G S A C C O U N T A s a v l n g s a c c o u n t I n w h l c h no c u s t o m e r l n l t l a t e d d o l l a r a c t l v l t y h a s o c c u r r e d , f o r a p e r l o d o f t l m e a s s p e c i f l e d by. t h e B o a r d o f Directors o f y o u r b a n k . I n a c t l v e s a v l n g s a c c o u n t m e a n s a n a c c o u n t I n
a c c o u n t a s d e f t n e d s b o v e. w h l C h y o u r b a n k s t l l l h a s C o n t a c t a s o p p o s e d t o 0 d o r m a n t
0 0 1 . 0 2 8 F l e l d s o f d a t a t h a t m u s t b e r e c o r d e d I n t h e c o m p u t e r r e c o r d s :
001 .0281 SAVINGS ACCOUNT NUMBER
001.0282 - D A T E THE SAVINGS ACCOUNT W A S OPENED T h e d a t e t h e
o p e n e d t h e a c c o u n t . I f t h e a c c o u n t was o p e n e d p r l o r t o t h e d a t e a c c o u n t was o p e n e d o r the l n l t l a l s a v l n g s d e p o s l t w a s m a d e w h l c h
t h e r e c o r d s were c o n v e r t e d f r o m m a n u a l t o a u t o m a t e d s y s t e m , t h e n t h e d a t e t h e records were so c o n v e r t e d may b e u s e d .
001.02BS NAME OF WE D E P O S I X I R S h o r t n a m e Is a c c e p t a b l e .
001 e0284 ADDRESS OF' THE D E P O S I T O R A d d r e s s m u s t 1 n c l u d e Z I P c o d e .
0 0 1 . 0 2 8 5 CURRENT BALANCE A c t u a l p o s t e d d o l l a r b a l a n c e o f t h e
" h o l d s " h a v e b e e n p l a c e d . s a v l n g s a c c o u n t . l n e l u d l n g u n c o l l e c t e d f u n d s a n d f u n d s o n w h l c h
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a T l t l e 45 - DEPARTMENT OF BANKING AND F I N A N C E
001 .0286 COLLECTED O R UNCOLLECTED FUNDS T h a t p o r t l o n o f a d e p o s l t b a l a n c e w h l c h h a s e l t h e r b e e n c o l l e c t e d o r u n c o l l e c t e d b y t h e d e p o s l t o r y b a n k . E l t h e r m e t h o d o f a c c o u n t l n g I S a c c e p t a b l e , es l o n g as I t Is I d e n t l f l e d .
001.0287 DATE O F . L A S T c u s m u E R I N I T I A T E D A C T I V I PI I N IWE ACCOUNT T h e d a t e t h e l a s t a c t l v l t y w a s p o s t e d t o t h e a c c o u n t v h l c h was l n l t l a t e d b y t h e customer.
001 .OZBB OATE AND AMOUNT OF L A S T C U S l O M E R D E P O S I T T h e . d a t e a n d a m o u n t o f t h e l a s t d e p o s l t a c t l v l t y . l n l t l s t e d b y T h e c u s t o m e r , t h a t w a s posted t o . t h e a c c o u n t .
001.02B9 O A T E AND AMOUNT OF L A S T C U S m M E R W I T H D R A W A L T h e d a t e and amount o f the l a s t w l t h d r a w a l a c t l v l t y , I n l t l a t e d b y t h e c u s t o m e r , t h a t was p o s t e d to t h e a c c o u n t .
001.02BlD D A T E OF L A S T S T A T E M E N T T h e d a t e o f t h e l a s t s t a t e m e n t o f t h e s a v l n g s a c c o u n t wes p r l n t e d a n d t h e a c t l v l t y
A c c o u n t s " o r other . . s l m l l a r s a v l n g s a c c o u n t s r e l a t l v e t o r h l c h p u r g e d f r o m the f l l e . ( T h l s a p p l l e s o n l y t o ' S t a t e m e n t S e v l n g s
c u s t o m a r l l y . p r o d u c e d . ) s t a t e m e n t s r e f l e c t l n g t h e a c t l v l t l e s I n t h e a c c o u n t a r e
OOl.02811 BALANCE OF L A S T STATEMENT T h e b a l a n c e o f t h e l a s t s t a t e m e n t o f t h e a c c o u n t w h l c h w a s p r l n t e d a n d a c t l v l t y p u r g e d f r o m t h e f l l e .
001.D2912 I N T E R E S T RATE T h e a n n u a l r a t e o f s l m p t o I n t e r e s t
d e t e n n l n e d b y p e r l o d l c c o m p o u n d l n g . A c o d e m a y b e u s e d t o p a l d o n t h a t s a v l n g s a c c o u n t . T h l s Is n o t t h e e t f e c t l v e r a t e
s p e c l f y t h e a n n u a l r a t e o f I n t e r e s t .
001 .03 C E R T I F I C A T E S OF DEPOSI T (DEFINI T I O N S )
001.03A I f a n y o f t h e f o l l o v l n g a c c o u n t s a r e m a l n t a l n c d l n t h e c o m p u t e r r e c o r d s , t h e y m u s t b e l d e n t l f l e d b y a u n l q u e c o d e . R a n g e o f a c c o u n t n u m b e r s Is n o t a n a c c e p t a b l e m e t h o d .
001.03AI ' l Y P E CODE - d e s l g n a t e s a c o n t r a c t u a l a r r a n g e m e n t .
T l t l e 45 - OEPARRENT OF BANKI,NG AND FINANCE
0 O l . O S A l a AUTDMATIC RENEWABLE C E R T t F I C A E C e r t I . f I c a t e o f D e p o s l t w h e r e t h e I n s t r u m e n t s p e c i f l c a l l y s t a t e s t h e c o n t r a c t r l l l , a u t o m a t l c a l l y b e e x t e n d e d f o r a n a d d l t l o n a l t e rm equa l t o t h a t o r l g t n a l l y a g r e e d u p o n b e t w e e n ? h e d e p o s l t o r a n d t h e b a n k u n l e s s r l t h d r a r n b y t h e c u s t o m e r r l t h l n a s p e c l f l e d ' t l m e f o l l o r l n g t h e m a t u r l t y .
001 .OSAlb SINGLE M A l U R I N CERTIFICATE C e r t l f l c a t e o f D e p o s l t v . h l c h I s n o t a u t o m a t l c a l l y r e n e w a b l e .
001 .OSA2 IDENTIFICATION CODE - d e s l g n t e s t h e o w n e r o f t h e f u n d s .
001.0SAZa PUBLIC FUNO' CERTIFICATE OF DEPOSIT C e r t l f l c a t e , may I n c l u d e : 1 ) f o r r h l c h t h e b a n k Is r e q u l r e d t o p l e d g e
s a c u r l t l e s o r , 2 ) b e l o n g l n g t o any f e d e r a l , s t a t e . l o c a l pub1 IC e n t l t y o r , 5 ) d e p o s l t a d b y a n o f f l c e r o f a p u b l l c
b e t w e e n f e d e r a l a n d s t a t e , c o u n t y , m u n l c l p a l d e p o s l t s s h o u l d e n t l t y I n a n o f f l c l a l c a p a c i t y . A m e t h o d o f d l f f e r e n t l a t l o n
b e m a l n t a l n e d .
00I.OSA2b CREDIT'BANK ACCOUNT C e r t l f l c a t e s o f D e p o s l t d u e to any c o m m e r c l a l b a n k . s a v l n g s b a n k o r t r u s t c o m p a n y .
00l .OSA2c TRUST FUND ACCOUNT C e r t l f l c a t e s o f O e p o s l t Issued b y your bank t o t h e T r u s t D e p a r t m e n t o f y o u r b a n k . T h l s I s a p p l l c a b l e t o b a n k s r l t h t r u s t p o w e r s o n l y .
OOI.DSA2d . CERTIFICATE OF DEPOSIT I S S U E D TO DIRECTORS, OFFICERS OR EMPLOYEES OF Y O U R BANK A s l n g l e c o d e may b e used t o I d e n t l f y a l l t h r e e c a t e g o r l e s .
001.03A3 S T A R I S CODE - d e s l g n a t e s a u n l q u e f e a t u r e o f a n account . These codes may not n e c e s s a r l l y b e m u t u a l l y e x c l u s l v e .
0 O l . O S A S a NEGOTIABLE CERTIFICATE C e r t l f l c a t e o f D e p o s l t r h l c h I s ma'de ,payab le t o t h e b e a r e r or e n d o r s e r .
001.DSASb DEMAND CERTIFICATE
00I.OSASc REDEEMED CERTIFICATE (CLOSED) A C e r t l f l e a t e o f D e p o s l t t h a t h a s b e e n p r e s e n t e d t o t h e b a n k f o r payment.
. .
0 T l t l e 4 S - DEPARTMENT OF BANKING A N 0 FINANCE
001 .OSASd D O R M A N T CERTIFICATE OF OEPOSI T C e r t l f l c a t e s b e l o n g l n g t o a n e n t l t y r h l c h t h e b a n k c a n n o t l o c a t e o r
I I t l g a t l o n w h e r e t h e c o u r t v l I I d e t e r m l n e t h e . r l g h t f u l o w n e r I d e n t l f y . T h l s shalt n o t I n c l u d e a c e r t l f l c a t e I n v o l v e d I n
o f t h e f u n d o r c e r t l f l c a t e a w a l t l n g d l s t r l b u t l o n t h r o u g h e s t a t e s e t t l e m e n t p r o c e d u r e s .
001 .03ASe PLEDGED CERTIFICATE
_ .
001.OSB F l e l d s o f d a t a t h a t u s + b e r e c o r d e d I n t h e c o m p u t e r r e c o r d s :
001.0361 CERTIFICATE NUMBER N u m b e r a s s l g n e d t o t h e C e r t l f l c a t a o f O e p o s l t f o r l d e n t l f l c a t l o n p u r p o s e s . T h l s Is n o t w h a t Is u s u a l l y r e f e r r e d t o e a " C u s t o m e r I d e n t l f l c a t l o n Number."
001.0382 NAME OF OEPOSI TOR S h o r t name I s a c c e p t a b l e .
001 .OS83 ADDRESS OF OEPOSI T O R A d d r e s s m u s t I n c l u d e ZIP code.
001.03B4 O A l E ISSUED T h e d a t e t h e c e r t l f l c a t e was o r l g l n a l l y I s s u e d .
001 .OS85 T E R M OF CERTIFICATE The number of. m o n t h s o r d a y s w h l c h d e t e r m l ne t h e maxlmum I n t e r e s t t o b e p a t d .
001.0366 INTEREST P A I D T h e a e n u a l r a t e o f s l m p i e I n t e r e s t p a l a o n t h e c e r t l t l c a t e .
001.0387 NEXT M A T U R I T Y O A T € The d a t e s h o w n o n t h e C e r t l f l c ' a f e o f O e p o s l t on w h l c h t h e p r l n c l p a l a m o u n t m a t u r e s or Is d u e a n d p a y a b l e t o t h e d e p o s l t o r . I n t h e c a s e o f automatically
d a t e t h e c e r t l f l c a t e Is due. r e n e w a b l e c e r t l f l c a t e s o f d e p o s l t , t h e m a t u r l t y d a t e Is t h e n e x t
001.0368 CURRENT BALANCE The a c t u a l p o s t e d b a l a n c e - o f t h e c e r t l f l c a t e o f d e p o s l t .
001.0389 D A T E LAST INTEREST W A S P A I D The d a t e I n t e r e s t was c a l c u l a t e d and p a l d d i r e c t t o t h e h o l d e r o r a d d e d t o t h c u r r e n t b a l a nce.
001 - 0 4 INSTALLMENT LOANS (DEFIN I TIONS)
. . .
0 T l t l e 4 5 - DEPARTMENT OF BANKING AN0 FINANCE
001.04A I f any o f t h e f o l l o v l n g a c c o u n t s a r e m a l n t a l n e d I n t h e
o f a c c o u n t n u m b e r s Is n o t a n a c c e p t a b l e m e t h o d . c o m p u t e r r e c o r d s , t h e y m u s t b e l d e n t l f l e d b y a u n l q u e code. A r a n g e
001 . 0 4 A l TYPE OF LOAN - d e s l g n a t e s t h e c l a s s l f l c a t l o n o f t h e l o a n according t o l e g a l d e f l n l t l o n s .
001.04Ala OIRECT LOANS m BORROWERS L o a n s g o v e r n e d b y P e r s o n a l L o a n A c t , A r t l c l e 8 , S e c t l o n 8 ( 1 n s t a l I m e n t L o a n s )
001.04A'lb INDIRECT LOANS - PURCHASED PAPER L o a n s g o v e r n e d b y l n s t a l t m b n t S a l e s A c t , A R t l C l e 4 5 . S e c t t o t 3 ( D e a l e r P a p e r )
001.04Alc OTHER LOANS L o a n s n o t g o v e r n e d b y P e r s o n a l L o a n A c t o r I n s t a l l m e n t S a l os Act
001 .O4Ald INSALLHENT L O A N S )
OIRECT L E A S E PAPER ( I F MAINTAINED W I T H
001.04Ale INOIRECT LEASE PAPER ( I F HAINTAINEO WITH INSALLMENT LOANS)
001.04AZ LOAN CLASSIFICATIONS Mlnlmum c l a s s l f l c a t l o n s :
2 ) C r e d l t c a r d s and r e l a t e d p l a n s 1 ) L o a n s t o p u r c h a s e p a s s e n g e r a u t o m o b l l e s on I n s t a l l m e n t b a s l s .
a1 R e t a l l ( c h a r g e a c c o u n t ) c r e d l t c a r d p l a n s b ) Check c r e d l t a n d r e v o l v l n g c r e d l t p l a n s
e ) Moblle homes ( e x c l u d e t r a v e l trailers)
b ) O t h e r r e t a l l c o n s u m e r g o o d s ( e x c l u d e c r e d l t c a r d s a n d
SI To p u r c h a s e r e t a l l . c o n s u m e r g o o d s o n I n s t a l l m e n t b a s l s .
r e l a t e d p l a n s ) 4 ) L o a n s t o r e p e l r a n d m o d e r n l z e r e s l d e n t l a l p r o p e r t y . 9 ) O t h e r I n s t a l l m e n t l o a n s f o r h o u s e h o l d , f a n l l y a n d o t h e r .
p a r s o n s I expend I t u res.
001..04AS IOENTIFICATION CODE - d e s l g n a t e s t h e b o r r o w e r o n a I oa n.
001.04ASa OIRECTUR, OFFICER O R EMPLOYEE OF YOUR BANK A -single c o d e may b e u s e d t o l d e n t l f y a l l t h r e e c a t e g o r l e s .
Title 4 5 - DEPARTMENT OF BANKING AND F I N A N C E
001.04A4 S T A W S CODE - d e s l g n a t e s a u n t q u e f e a t u r e o f a n accoun t . These codes may n o t n e c e s s a r l l y b e m u t u a l l y e x c l u s l v e .
001.04A4a RECOURSE INDICATOR ( W I Ix OR WI 7HOUT)
0 0 1 . 0 4 ~ 4 b REPURCHASE I N D I C A T O R ( F U L L ' O R L I M I EO)
001 .O4A4c REPOSSESSED ' INOI CAlOR
001.046 F t e l d s o f d a t a t h a t m u s t . b e r e c o r d e d r n t h e c o m p u t e r records:
I .
001.0461 . BORROWER NUMBER A number a s r l g n e d t o a p a r t l c u l a r
or a common number may b e used f o r a l l I n s t a l l m e n t l o a n b o r r o w e r . T h l s n u m b e r c a n b e e l t h e r common f o r a l l I n d e b t e d n e s s
1 nd eh t e d ness.
001 -0482 LOAN N U W E R
001.0483 NAME OF BORROWER(S) S h o r t name Is a c c e p t a b l e .
001.0464 A O O R E S S OF BORROWER A d d r e s s m u s t 1 n c l u d e z l p c o d e .
001 -0465 LOAN OFF I CER
t
001 .0466 D A T E OF LOAN The d a t e s h o w n o n t h e f a c e o f t h e n o t e .
001.0467 AMOUNT ADVANCE0 The p r l n c l p a l a m o u n t o f t h e l oan ; s o m e t i m e s c a l l e d p r o c e e d s , n e t a m o u n t f l n a n c e d o r a m o u n t o f
s a l e p r l c e l e s s any down payment of c a s h o r goods. loan. It may b e . d l s c l o s e d to t h e borrower I n a s t n g l e a m o u n t or
001 -0486 T O l R L OF PAYMENTS ( TIME BALANCE) The sum o f amount advanced, . I n s u r a n c e p r e m l u m s , o f f l c l a l f e e s a n d t h e t o t a l f l n a n c e c h a r g e .
001.0'409 AMOUNT FINANCE0 The sum o f t h e a m o u n t a d v a n c e d , I n s u r a n c e p r e m l u m s a n d o f f l c l a l fees.
001.04610 F I N A N C E CHARGE ( T I M E P R I C E D I F F E R E N T I A L ) T h e ' t o t a l t t m e b a l a n c e l e s s amoun t advanced . l nsu rance p remlums and o f f l c l a l fees.
a. T l t l e 4 5 - OEPARTMENT OF BANKING AND F I N A N C E
001.04811 O R I G I N A L M A T U R I T Y O A E The d a t e t h e c u r r e n t n o t e was o r l g l n a l l y c o n t r a c t e d t o b e p a l d o f f .
0 0 1 . 0 4 8 1 2 D A T E OF THE F I R S T P A Y M E N T The d a t e t h e first paymen t Is r e q u l r e d f r o m t h e b o r r o w e r b y d l s c l o s u r e o n t h e c o n t r a c t .
001.04813 CURRENT M A N R I T Y DATE The d a t e t h e c u r r e n t n o t e Is p r e s e n t l y c o n t r a c t e d t o b e p a l d o f f . I f t h l s d a t e Is t h e s a m e as t h e o r l g l n a l m a t u r l t y d a t e , b o t h f l e l d s w l l l c o n t a l n l d e n t l c e l . d a t a .
001 : 0 4 8 1 4 NUMBER OF EXTENSIONS The number o f m o n t h s o r d a y s ( * h e r e 30 d a y s equal o n e m o n t h ) t h a t t h e o r l g l n a l m a t u r l t y d a t e has been ex tended .
001 - 0 4 8 1 5 E X T E N S I O N CHARGES A S S E S S E D T h e a c c u m u l a t e d a d d i t t o n a l f l n a n c e c h a r g e s assessed b y t h e b a n k w h e n e x t e n d l n g t h e m a t u r l t y d a t e o f t h e 1oa.n. Extensions may a f f e c t t h e r e b a t e o n f l n a n c e c h a r g e s .
001 . 04816 EXTENSION CHARGES P A I D O R U N P A I D The b a l a n c e o f e x t e n r l o n c h a r g e s a s s e s s e d , e l t h e r p a l d o r u n p a l d .
001.04817 NUMBER OF TIMES LATE (OELINOUENT) Method o f d e t e m l n l n g d e l l n q u e n i y Is d e s c r l b e d b y a p p l l c a b l e l a w .
001.04818 L A T E ( D E L I N Q U E N T ) CHARGES ASSESSED The a c c u m u l a t e d c h ' a r g e s assessed t o t h e o b l l g o r f o r l a t e payment.
001.04819 LATE (UELINOUENT) CHARGES PAID O R U N P A I D The b a l a n c e o f l a t e c h a r g e s a s s e s s e d , e l t h e r p a l a o r u n p a l d .
001 .04820 NUMBER OF TIMES REVRI T E N . The number o f t l m e s a new l o a n h a s b e e n w r l t t e n t o r e p l a c e o n e o r m o r e e x l s t l n g l o a n s , r e g a r d l e s s o f whethe r any new money was I n v o l v e d . E x t e n s I o n o f m a t u r l t y I s n o t c o n s i d e r e d a r e w r l t t e n n o t e .
0 0 1 . 0 4 8 2 1 S C H E D U L E OF PAYMENTS To I n c l u d e n u ; m b e r o f r e g u l a r paymen ts , regu la r paymen t amoun t . number (s ) o f I r r e g u l a r payment (s ) , . and amount (s ) c f I r r e g u l a r p a y m e n t ( s ) .
0 T l t l e 45 - OEPARTHENT OF B A N K I N G AN0 FINANCE
991.04822 NUMBER OF P A Y M E N T S MAOE O R REMAINING The ? o t a l number o f s c h e d u l e d p a y m e n t s m a d e o r r m a l n l n g , I n c l u d l n g r e g u l a r a n d I r r e g u l a r p a y m e n t s .
001.04823 AMOUNT OF PAYMENTS MAOE The t o t a l a m o u n t o f paymen ts made w h l c h h a s r e d u c e d t h e t l m e b a l a n c e . l h l s s h o u l d n o t . I n c l u d e a m o u n t s f o r any u n s c h e d u l e d c h a r g e s .
001.04824 D A T E OF LAST CUSTOMER PAYMENT MAOE The d a t e t h a t t h e l a s t d o l l a r t r a n s a c t l o n mas p o s t e d , n o t t o I n c l u d e a n y . u n s c h e d u l e d c h a r g e s .
001.04825 AMOUNT OF LAST PAYMENT The d o l l a r a m o u n t o f t h e l a s t p a y m e n t t h a t d o e s n o t I n c l u d e a n y u n s c h e d u l e d c h a r g e s .
001 .04826 D A T E NEXT PAYMENT I S DUE
001 .04827 UNPAIO BALANCE The sum o f amount advanced, 1 nsu r a n c e
o f paymen ts made. premlums, o f f l c l a l fees, t o t a l f l n a n c e c h a r g e s m l n u s t h e a m o u n t
001.04828 INTEREST R A T E The a n n u a l p e r c e n t a g e r a t e a s d l s c l o s e d I n t h e c o n t r a c t I n t h e f o i n I o f x x . x x x j . T h l s I s ? h e same s t h e APR d e s c r l b e d I n R e g u l a ' t l o n Z.
001 -04829 I N D I C A T O R A d e s c r l p t l v e l d e n t l f l c a t l o n o f t h e c o l l a t e r a l
OESCRIP T I O N OF COLLATERAL/OR COLLATERAL TYPE
p l e d g e d , o r a n l n d l c a t o r c o d e f o r t y p e o f c o l l a t e r a l .
001 -04830 DEALER NUMBER
001.04831 PARTICIPATION INDICATDR (PURCHASED O R SOLD) When a s p e c l f l c l o a n Is a p a r t l c l p a t l o n , It m u s t h a v e a n I n d i c a t o r .
001 -04832 PARTICIPATION IDENTIFICATION NUMBER A n
s o l d to. A c u r r e n t l l s t o f c o d e s a s s l g n e d s h o u l d b e m a l n t a l n e d l d e n t l f l c a t l o n o f who t h e p a r t l c l p a t l o n was p u r c h a s e d f r o m o r
a t t h e b a n k . A s l n g l e c o d e may b e used t o I d e n t l f y m u l t l p l e e n t l t l e s .
001.04853 GUARANTOR, ENDORSER, CO-SIGNERS INDICAlOR An l n d l c a t o r t h a t s p e c l f l e s I f t h e l o a n h a s a g u a r a n t o r , e n d o r s e r , o r c o - s l g n e r . . .
.a. Title 45 - DEPARTMENT OF B A N K I N G AND FINANCE
001 .04034 MINIMUM CHAfiGES The c h a r g e a l l o w e d b y l a w . Mlnlmum c h a r g e s a r e a l l o w e d I n l l e u o f I n t e r e s t .
001.04835 ATTDRNEY'S FEE AND COURT COST ACTUALLY EXPENDED Thos fees a c t u a l l y e x p e n d e d If a l l o w e d b y a p p l . l c a b l e s t a t u t e .
001.04036 OFFICIAL FEES A c t u a l f e e s p a l d to o f f l c l e l a g e n c l e s f o r r e c o r d a t l o n o f t l t l e o r . l i e n .
001.04837 PAYOFF The amoun t necessa ry to r e t l r e t h e d e b t , a f t e r d e d u c t l n g t h o s e f e e s t h a t a r e s u b J e c t to r e b a t e .
001.04838 INSURANCE PREMIUMS I n s u r a n c e p r e m l u m s m u s t b e . r e c o r d e d s e p a r a t e l y a s o n e o f t h e t o l l o w l n g : a ) C r e d i t L l f e I n s u r a n c e b ) A c c l d e n t a n d H e a l t h I n s u r a n c e c l O t h e r I n s u r a n c e ( a n y I n s u r a n c e o t h e r t h a n C r e d l t L l f e o r AbH)
001 .Dl039 FLOOR PLAN LOANS:
001 -04040 NAME OF DEALER
001.04841 ADDRESS A d d r e s s m u s t I n c l u d e 210 code.
0 0 1 ~ 0 4 0 4 2 DEALER NUM0ER
001.04843 DATE -OF TRUST RECEIPT 0 8 CHATTEL MORTGAGE O a r t e of el t h e r d o c u m e n t . . .
001 -04844 ORIGINAL AMOUNT OF I TEM .
001 -04849 SERIAL NUMBERS
001.04046 DESCRIPTION Year, model, make, e t c .
001 -04047 CURRENT BALANCE
001 .04848 D A T E INTEREST P A I D m
001.04049 PAST DUE INTEREST INOICATDR
001.04850 AMORTIZATION PLANS O R INOICATDR A S METHOD O R PERCENTAGE
T l t l e 4 5 - DEPARTMENT OF BANKING AN0 FINANCE
001.04851 D A T E O F L A S T I N S P E C T I O N
001 .05 REAL ESTATE S Y S T E M S
001.05A I f any o f t h e f o l l o r l n g a c c o u n t s a r e m a l n t a l n e d l n . t h e c o m p u t e r r e c o r d s , t h e y m u s t b e I d e n t l f l e d b y a u n l q u e c o d e . A r a n g e o f a c c o u n t n u m b e r s Is mt a n a c c e p t a b l e m e t h o d .
001.05A1 TYPE OF LOAN - d e s l g n a t e s t h e c l a s s l f l c a t l o n o f t h e l o a n a c c o r d l n g t o . l e g a l d e f l n l t l o n s ( F H A , V A , c o n v e n t i o n a l . c o n s t r u c t i o n , i n t e r l m f i n a n c i n g , e t c . )
001.05A2 I D E N T I F I C A T I O N CODE - d e s l g n a t e s t h e b o r r o w e r o n a I oan.
001.05Ata D I R E C T D O , O F F I C E R O R EMPLOYEE OF YOUR BANK A s l n g l e c o d e may b e used t o l d e n t l f y a l l t h r e e c a t e g o r l e s .
001.058 F l e l d r o f d a t a t h a t m u s t b e r e c o r d e d I n t h e c o m p u t e r r e c o r d s .
001.0581 BORROWER NUMBER A n u m b e r a s s l g n e d t o a D a r t l c u l a r . . b o r r o w e r . T h l s n u m b e r c a n b e e l t h e r common f o r a l l . I n d e b t e d n e s s
o r a common number may b e u s e d f o r a l l r e a l . e s t a t e . l o a n 1 nd eb t o d ness.
001.0582 LOAN NUMBER
001.0585 NAME OF BORRWER(S) S h o r t M m e Is a c c e p t a b l e .
001.0584 ADDRESS 'OF MORTGAGED P R O P E R P I F l l e must c o n t a l n e d t h e a d d r e s s o f t h e m o r t g a g e d p r o p e r t y , I n c l u d l n g t h e z l p c o d e . T h l s a d d r e s s may n o t n e c e s s a r l l y b e t h e m a l l I n g a d d r e s s o f t h e , b o r r v e r .
OOl.0585 L O A N O F F I C E R CODE
001.0586 ORIGINAL D A T E D a t e o n t h e n o t e a n d m o r t g a g e .
00!.0587 O R I G I N A L AMOUNT A m o u n t o n t h e n o t e a n d m o r t g a g e .
001.0588 O R I G I N A L C O M M I T M E N T O r l g I n a I s m o u n t o f t h e l o a n a p p r o v a l .
e T l t l e 4 5 - DEPARTMENT OF BANKING AN0 FINANCE
. . . . ..
001 . 0 5 6 9 UNAOVANCEO FUNDS
001 . O S 0 1 0 D A T E OF L A S T OlSaURSEMEN T OF UNAOVANCEO FUNDS
001.05011 AMOUNT OF L S T O I S B U R S E M E N T OF UNAOVANCED FUNDS
001.OSBl2 SECURITY T fPE R e s l d e n t l a l , m u l t l f a m l l y . c o m m e r c l a l , etc . O O l . O S B I 5 APPRAISED VALUATION T h e a m o u n t o f t h e l a t e s t appraisal c o n d u c t e d b.y a n q u t h o r l z e d . a g e n t o f t h e b a n k . Any r e l e a s e s o f c o l l a t e r a l s h o u l d r e d u c e t h e a p p r p l s e d v a l u a t l o n .
001.0SB14 O A T E . OF APPRAISAL D a t e o f t h e l a t e s t v a l u a f l o n . c o n d u c t e d b y a n a u t h o r l z e d a g e n t o f t h e b a n k .
OOl.OS815 TERMS I n f o r m a t l o n s h o u l d be s u f f l c l e n t t o I d e n t l f y t h e r e - p a y m e n t s c h e d u l e a g r e e d t o by t h e b a n k a n d t h e b o r r o v e r .
001.05016 F I R S T P A Y M E N T DUE D a t e l n d l c a t e d b y ?he note w h l c h t h e d e b t o r Is t o m a k e t h e f l r s t p a y m e n t o n t h e l o a n b l a n c e , f o r e l t h e r l n t e r e s t ' o r p r l n c l p a l . or a n y c o m b l n a t l o n t h e r e o f .
0 0 1 . 0 5 B l 7 M A W R I N O A T €
OOl.OSB18 I N T E R E S T R A T E Rate o f Interest c u r r e n t l y b e l n g c h a r g e d o n t h e n o y e . There s h o u l d a l s o b e a n l n d l c a t o r I t t h e m t e Is u f a v a r l a b l e I nterest t y p e .
001.09019 CURRENT BALANCE B a l a n c e on r h l c h I n t e r e s t Is b e l n g c a l c u a l t e d .
001 .OSB20 ESCROW BALANCE (IF APPLl CABLE)
001.05021 P A R T I C I P A T I O N I N O I C A X J R I n d l c a t e s w h e t h e r l o a n Is p u r c h e s e d o r s o l d .
001.05022 P A R T I C I P A T I O N B A S I S E l t h e r p e r c e n t a g e o r d o l l a r a m o u n t .
001.05025 P A R T I C I P A N T I D E N T I F I C A T I O N NUMBER An I d e n t l f l c a t l o n o f r h o t h e p a r t l c 1 p a t l o n was p u r c h d s 9 d f r o m or s o l d to . A c u r r e n t l l s t o f c o d e s a s s l g n e d s h o u l d b e m a l n t a l n e d a t t h e b a n k . A s l n g l e c o d e m a y b e u s e d t o l d e n t l f y m u l t l p l e e n t l t l e s .
T l t l e 45 - DEPARTMENT OF BANKING AN0 FINANCE
001.05824 OATE PRINCIPAL PA10 TO
001.05825 D A T E OF LAST CUSTOMER IN1 TIATED PAYMENT The da ' te t h a t t h e l a s t d o l l a r t r n a s a c t l o n was p o s t e d , n o t t o I n c l u d e a n y u n s c h e d u l e d c h a r g e s .
001.05826 AMOUNT OF L A S T CUSTOMER INTIATEO PAYMENT The d o l l a r amount o f t h e l a s t p a y m e n t t h a t d o e s n o t I n c l u d e any u n s c h e d u l e d cha rges .
001 .OS827 OATE NEXT P,AYMEN.T-OUE
301.05828 S T A N S INOICATOR Open end,' c l o s e d , r e a l e s t a t e I n J u d g m e n t , f o r e c l o s u r e . e t c .
001.05829 NUMBER OF TIMES L A E (DELINQUENT1 D e l l n q u e n t p o l l c y Is e s t a b l l s h e d b y t h e b a n k .
001 .OS830 LATE (OELINQUENl l CHARGES ASSESSED The accumu la ted c h a r g e s a s s e s s e d f o r l a t e payments.
001.05BS1 LATE (OELINQUENT CHARGES PAIO/UNPAIO . The b a l a n c e o f t h e l a t e c h a r g e s a s s e s s e d e l t h e r p a l d o r u n p a l d .
001.05852 L I E N C L A S S F l r s t , second, e tc .
001 .OS833 GUARANTOR, ENDORSER. CO-SIGNER INDICATOR
001.06 COMMERCIAL LOANS ( O E F l N l TIONSI
00I.ObA I f a n y o f t h e f o l l o r l n g a c c o u n t s a r e m a l n t a l n e d I n t h e .
o f a c c o u n t n u m b e r s Is n o t a n a c c e p t a b l e m e t h o d . compu te r records, t h e y m u s t b e I d e n t l f l s d b y a u n l q u e c o d e . A r a n g e
001.06A1 TfPE OF LOAN - d e s l g n a t e s t h e c l a s s l f l c a t l o n o f t h e l o a n a c c o r d l n g t o I e g e l d e t t n l t l o n s I d a n a n d , t l m e , t e n , e tc .1
001.06A2 IDENl lF ICAT lON CODE - d e s l g n a t e s t h e b o r r o w e r o n e loan. These codes may n o t n e c e s s a r l l y b e m u t u a l l y e x c l u s l v e .
001.06AS DIRECTOR, OFF1 CER OR EMPLOYEES OF Y O U R BANK A s l n g l e c o d e may b e u s e d t o l d e n t l f y a l l t h r e e c a t e g o r l a s .
I
0 T l t l e 4 5 - OEPARTHEN'T OF BANKING A N 0 FINANCE
001 .06A4 LOAN SECURED BY THE STOCK OF O T H E R BANKS
001.06A5 L O A N S 70 T H I S BANK'S AFFILIATES AN0 LOANS SECUREO BY WE STOCK OR OTHER OBLIGATIONS OF T H I S BANK-S AFFILIATES.
001.066 F l e l d s of d a t a t h a t m u s t b e I n c l u d e d I n t h e c o m p u t e r records:
001.06Bl BORROWER NUMBER A n u m b e r a s s l g n e d t o a p a r t l c u l a r b o r r o w e r . T h l s n u m b e r c a n b e e l t h e r common f o r a l l I n d e b t e d n e s s o r a common. number - - may ' be . used fo r a l l c o m m e r c t a l l o a n I nd eb t e d ness.
001 .06B2 LOAN AND/OR NOTE NUMBER
001.0685 NAME OF BORROWER(S) S h o r t name Is a c c e p t a b l e .
0: . , . . . . .. ., . . :1
001.0684 ADDRESS OF BORROWER A d d r e s s m u s t I n c l u d e r l p c o d e .
001.0685 COLLATERAL CODE A d e s c r l p t l v e I d e n t l f l c a t l o n o f t h e c o l l a t e r a l p l e d g e d o r a c o d e t o I n d l c a t e same.
001 -0686 G U A G N T O R , ENDORSER, O R ' C O - S I G N E R IN01 C A T O R
001.0667 LOAN OFFICER CODE
001 .0688 INTEREST R A T E A c t u a l I n t e r e s t r a t e , o r I f I n t e r e s t I s + l e d t o p r l m e , a n I n d l c a t o r o f same p l u s t h e I n t e r e s t a d d l t l v e .
001.0669 TERMS I n f o m a t t o n s h o u l d b e s u f f l c l e n t .to l d e n t l f y t h e r e - p a y m e n t s c h e d u l e a g r e e d t o by bank and bo r rwer .
001.06810 ORIGINAL D A T E OF CURRENT LOAN The d a t e t h e l n l t l a l l o a n p r o c e e d s w e r e d l s b u r s e d a n d I n t e r e s t b e g a n t o a c c r u e .
001.06611 O R I G I N A L AMOUNT OF CURRENT LOAN The amount o f l n l t l a l l o a n p r o c e e d s .
001.06B12 O R I G I N A L DATE OF CURRENT NOTE The d a t e t n e c u r r e n t n o t e was execu ted .
T l t l e 4 5 - DEPARTMENT OF BANKING AND F I N A N C E
001.06615 O R I G I N A L A M O U N T OF W R R E N T N O T E T h e amoun t o f c u r r e n t n o t e p r o c e e d s .
001.06614 D A T E O F L A S T R E N R l A L The d a t e o f l a s t r e n e w a l o f t h e c u r r e n t n o t e .
001.06615 O R I G I N A L M A N R I Tf D A T E The f l n a l d a t e o n r h l c h t h e p r l K l p a l amount o f t he no te becomes due and payab le . I f t h e c u r r e n t m a t u r l t y d a t e I s . d l f f e r e n t , a n a d d l t l o n a l f l e l d m u s t b e used.
001.06616 D A T E F I R S T P A Y M E N T D U E ( I F A P P L I C A B L E )
001.066l7 O A T E N E X T P A Y M E N T D U E ( I F A P P L I C A B L E )
001.06e18 AMOUNT OF N E X T P A Y M E N T O U E (IF APPLICABLE)
001.06619 D A T E I N T E R E S T P A I D x) D a t e I n t e r e s t o n t h e ob1 I g a t l o n h a s b e e n p a l d t h r o u g h .
001.06620 D A T E PRINCIPAL ' P A I D x) D a t e p r l n c t p a ~ . o n t h e ob1 I g a t l o n h a s b e e n p a l d t h r o u g h .
001.06621 CURRENT E A L A N C E HERE The r e m a I n l n g o u t s t a n d . l n g amount o f t h e n o t e a f t e r d e d u c t l o n f o r p a r t t c l p a t l o n s so ld .
00.1.06622 G R O S S LOAN BALANCE C u r r e n t b a l a n c e h e r e p l u s p a r t l c l p e t l o n s s o l d .
001.0662S P A S T D U E A M 0 U N . T - I N T E R E S T Amount o f I n t e r e s t c u r r e n t l y p a s t d u e .
001.06624 P A S T D U E A M O U N T - P R I N C I P A L Amount o f p r l n c l p a l c u r r e n t l ' y p a s t due.
OOl.05625 NON-ACCRUAL LNDICATOR A n I n d i c a t o r t h a t t h e I n t e r e s t r a t s has been lowered o r r e d u c e d t o z e r o .
001.06626 P A R T I C I P A N T I D E N T I F I C A T I O N N U M E E R (IF A P P L I C A B L E )
001 -06627 P A R T I C I P A N T C O D E - P U R C H A S E 0 OR SOLD ( I F A P P L I C A B L E )
0: T l t l e L 5 - ' DEPARTMENT OF BANKING AND FINANCE
OOl.06C The f o l l o w l n g f l e l d s m u s t b e m a l n t a l n e d a n d / o r t o t a l e d b y b o r r o w e r numbei..
001.06C1 L INE OR COMMITMENT I N D I C A T O R l d e n t l f l e s t h e t y p e o f 1l.ne or c o m m i t m e n t ( a d v l s e d , I n t e r n a l g u l d e l l n e , f e a - p a l d , e t c . )
001.06C2 lUTAL L I N E O R COMMITMENT T o t a l a p p r o v e d c o n t l n g e n t 1 l a b I I I t y .
OOl..OSCS UNUSED PORTION Tota l amount o f u n u s e d c o m m i t m e n t o r 1 r n e or c r e d i t .
001.06C4 FEE BASIS INOICAmR Type o f f e e ( N o n e . p e r c e n t a g e o r d o l I a r amount)
o01.06cs D A T E FEE PAID m (IF APPLICABLE)
001.06cb HIGHEST NUMBER OF CONSECUllVE D A Y S O U T OF DEBT I N THE LAST 12 MONTHS T h l s c o u l d be a c c u m u l a t e d o n a p r e v l o u s t w e l v e m o n t h r u n n l n g t o t a l , o r y e a r t c - d a t e p l u s t o t a l p r e v l o u s y e a ' r .
OOl.06C7 H I G H AND LOW CREDI 1 I N L A S T 12 r l O N T H S T h l s c o u l d . b e a c c u m u l a t e d o n a p r e v l o u s t w e l v e m o n t h r u n n l n g t o t a l , 0,-
y e a r t o - d a t e p l u s t o t a l p r e v l o u s y e a r .
001.06cB RELATED BORROWERS (CONCENTRATION OF CREDI n B o r r o w e r number o f r e l a t e d o r g a n l r a t l o n s o r p e r s o n s t h a t h a v e c o m m e r c l a l
I n t e r e s t s , t h e r e p a y m e n t o f whose ob1 I g a t l o n s Is I n t e r d e p e n d e n t l oans . An o r g a n l r a t l o n or p e r s o n Is d e f l n e d as: . c l o s e l y a l l l e d
b y r e a s o n of a f f l l l a t e d o r n e r s h l p o r c o n ? r o l . A c u r r e n t I I s t o f
may b e used t o l d e n t l f y n u l t l p l e e n t l t l e s . c o d e s a s s l g n e d s h o u l d b e m e l n t a l n e d a t t h e b a n k . A s l n g l e c o d e
001.06C9 CREDl T S T A N S INOICAmRS L o a n c l a s s l f l c a t l o n b y ( 1 ) I n t e r n a l l o o n r e v l e w a n d ( 2 ) Examlne rs rev lew .
OOl.06ClO DATE L A S T REVIEWED B Y BANK O R DATE LAST AUTHORIZED
001 .06C l l D A T E OF LAST CUSDMER FINANCIAL STATEMENT
T l t , l e 4 5 - DEPARTMENT OF BANKING AN0 FINANCE
0 0 1 . 0 6 0 T h e f o l l o r l n g l n f o n n a t l o n m u s t b e a v a l l a b l e , b u t m a y b e m a l n t a l n e d I n a m a n u a l system.
0 0 1 . 0 6 0 1 P A R T I C I P A N T I O E N T I F I C A T I O N NUMBER
001 .Ob02 NAME OF P A R T I C I P A N T
0 0 1 .O60S ADDRESS OF P A R T I C I P A N T
001 .06D4 BORROWER NUMBER AN0 LOAN NUMBER OF LOAN PURCHASED O R
SOLO
, 0 0 1 .Ob05 P A R T I C I P A T I O N CODE '(PURCHASED O R SOLD)
0 0 1 . 0 6 0 6 P A R T I C I P A T I O N 7YPE (RECOURSE, REPURCHASE, ETC.)
001 -0607 P A R T I C I P A T I O N B A S 1 S (PERCEN 7 O R DOLLAR AMOUN 7)
001 .06D8 AMOUNT OF P A R T I C I P A T I O N
0 0 1 .0609 NOTE: P a r t l c l p a t l o n . I n f o n a t i o n s h o u l d b e m a l n t a l n e d fo r a l l loan p a r t l c t p a t l o n s , f n c I u . d l n g I O O S p u r c h a s e d or sold l oans . T h l s l n f o r m a t l o n s h o i l l d b e m a l n t a l n e d f o r b o t h b a n k a n d n o f r b a n k p a r t l c t p a n t s .
0 0 1 .O6D10 D E S C R I P T I O N OF C O L L A T E M L
001 .06011 VALUE OF COLLATERAL
001 .06D12 D A T E OF L A S T V A L U A T I O N
001 -07 SECURI 71 ES ( D E F I N I T IONS)
001 .07A I f a n y o f t h e f o l l o w l n g a c c o u n t s a r e m a l n t a l n e d I n t h e computer r e c o r d s , t h e y m u s t b e l d e n t l f l e d b y J u n l q u e c o d e . R a n g e o f a c c o u n t n u m b e r s Is not a n a c c e p t a b l e m e t h o d .
0 0 1 . 0 7 A 1 TYPE CODE - d e s l g n a t e s t h e ob1 l g o r or t y p e of I ns t r u m e n +
0 0 1 . 0 7 A l a u . S . T r e a s u r y
T l t l e 45 - DEPARTMENT OF BANKING AN0 F INANCE
001 . 0 7 A l b F e d e r a l A g e n c l e s n o t g u a r a n t e e d
OO1.07Alc S t a t e . C o u n t y , a n d M u n l c l p a l s '
001.07Ald O t h e r b o n d s , n o t e s a n d d e b e n t u r e s
001.07AI e S t o c k s
001.078 F l e l d s o f ' d a t a t h a t m u s t b e r e c o r d e d I n t h e c o m p u t e r r e c o r d s :
001 .0781 SECURI PI O R ACCOUNT NUPBER The number ass lgned t o t h e s s c u r l t y .
001 .0782 NAME OF I S S U E R The name o f t h e I s s u e r I l a b l e f o r
f a c e o f t h e I n s t r u m e n t . r e p a y m e n t and t h e ' n a t u r e o f ?he o b l l g a t l o n a s s t a t e d o n t h e
001.0785 COUPON D A T E S The mon th and day t h e t n t e r e s t c o u p o n may be redeemed.
001.0784 M A I V R I n DATE The d a t e t h e o b l l g a t l o n w l l l n a t u r e a n d p r l n c l p a l a m o u n t o f ' t h e I n v e s f m e n ? W I I I b e r e p a l d t o t h e h o l d e r . ( T h l s I s n o t n e c e s s a r l l y t h e o p t l o n a l c a l l e a t 0 a ? t h e I n s t r u m e n t . )
001.078s PAR VALUE The a m o u n t o f p r l n c l p a l w h l c h w l l l b e p a l d t o t h e h o l d e r b y t h e o b l l g o r o n m a t u r l t y d a t e .
O01..0786 CALL DATE I f s e c u r l t y p r o v l d e s f o r a c a l l o p t l o n , c s l l d a t e s h o u l d b e r e c o r d e d .
001 .0787 D A T E PURCHASED The d a t e o n w h l c h t h e s e c u r l t y b e c a m e a n a s s e t o f t h e b a n k . ( T h i s Is n o t n e c e s s a r l l y ' t h e d a t e o n w h l c h a b l d o r o f f e r t o b u y was made b y t h e b a n k . )
001.0788 SOURCE OF PURCHASE CODE I d e n t l f t c a t l o n o f f h e s o u r c e f r o m w h l c h t h e s e c u r l t y was purchased .
001.0789 , PURCHASE P R I C E The p r l c e p a l d f o r t h e s e c u r l t y l n c l u d l n g b r o k e r f e e s l e s s a c c r u e d I n t e r e s t .
001.07810 BOOK . V A L U E T h e p u r c h a s e p r l c e a d j u s t e d f o r t h e a p p r a p r l a t e a c c r e t l o n o r a m o r t l r s t l o n . .
T l t l e 45 - DEPARTHEN7 OF BANKING'AND F INANCE
00'1 .07611 MARKET VALUE M u s t b e u p d a t e d a t . l e a s t e v e r y 90 days .
001.076l2 I N T E R E S T R A E The r a t e o f I n t e r e s t r h l c h t h e o b l l g o r has agreed t o pay t o t h e h o l d e r o f t h e s e c u r l . t y .
001.0761>, Y ~ E L D The r a t e o f r e t u r n o n t h e s a u r t t y .
001.07614 C U S I P NUMBER ( I F USED) The number t h a t g l v e s a d e s c r l p t l o n o f t h e s a u r l t y .
001.07615 C R E D I T RA'TING The c u r r e n t r a t l n g . a s s l g n e d t o t h e
u p d a t e d q u a r t e r l y b y u s l n g a re1 l a b l e source. s a u r l t y b y a n y r a t l n g s e r v i c e . I t Is recommended t h a t t h l s b e
001 007616 RATING SOURCE The s o u r c e u s e d t o o b t a l n t h e c u r r e n t r a t l n g .
OOl.07617 REPURCHASE O R RESALE I N O I C A m R A n l n d l c a t o r r h l c h s l g n l f l e s t h e s a u r l t y has a r e p u r c h a s e o r r e s a l e agreemen t .
001.07618 GUARANTEE O R INSURANCE INDICATOR A n l n d l c a t o r r h l c h s l g n l f l e s t h e s e c u r l t y Is I n s u r e d o r g u a r a n t e e d .
OOl.07619 PLEDGED CODE Those s e c u r l t l e s r h l c h a r e p l e d g e d must b e l d e n t l f l e d b y t h e e n t l t y o r e n t l t l e s t o whom. t h e s e c u r l t y Is p l e d g e d . C u r r e n t I l s t o f c o d e s a s s l g n e d r l l l b e m a l n t a l n e d a t t h e bank. A s l n g l e c o d e may b e u s e d t o I d e n t l f y m u l t l p l e e n t l t l e s .
001.07620 PLEDGED AMOUNT That amount o f t h e s e c u r l t y t h a t I s p ledged . I f t h e s a u r l t y Is p l e d g e d t o m o r e t h a n o n e e n t l t y t h l s f l e l d r l l l c o n t a l n t h e a g g r e g a t e a m o u n t p l e d g e d .
0 0 1 . 0 7 8 2 1 D I S C O U N T A C C R E E D T h a t p o r t l o n o f t h e d l s c o u n t ( f a c e v a l u e l e s s p r l c e p a l d l n o t l n c l u d l n g a c c r u e d I n t e r e s t . r h l c h h a s b e e n a c c r e t e d s l n c e t h e d a t e o f a c q u l s l t l o n i P r e t n l u m a m o r t l z e d a n d d l s c o u n t a c c r e t e d may b e t h e same f l e l d .
001.07822 PREMIUM A H O R N Z E D ?ha t p o r t l o n O f t h e p r m l u m
r h l c h has b e e n a m o r t l r e d s l n c e t h e d a t e o f a c q u l s l t l o n . ( p u r c h a s e p r l c e l e s s f a c e v a l o e ) n o t l n c l u d l n g a c c r u e d . I n t e r e s t .
T l t l e 4 5 - DEPARTMENT OF BANKING A N 0 FINANCE
001.07823 ACCRUED INTEREST PURCHASED The a m o u n t o f a c c r u e d 1 n t e r e s t p a l d t o t h e 5.1 I e r .
0 0 1 . 0 7 B 2 4 SAFEKEEPING NUMBER T h e n u m b e r o f t h e s a f e k e e p l n g r e c e i p t , I s s u e d b y t h e r e s p o n s l b l e p a r t y f o r t h e s e c u r l t y .
0 0 1 . 0 7 B 2 5 SAFEKEEPING LOCATION T h e n a m e or a c o d e o f t h e p h y s l c a l l o c a t l o n w h e r e t h e s b c u r l t y Is h e l d r l t h l n t h e b a n k o r l d e n t l t y o f t h e l n s t l t u t l o n r e s p o n s l b l e f o r s a f e k e e p l n g .
001 .08 ECHNI CAL SECTION
0 0 . 1 . 0 8 A ( R e c o r d I d e n t l f l c a t l o n ) T h e f o l l o r l n g a p p l l e s t o a l l a p p l I c a t l o n s as set f o r t h p r e v l o u s l y :
0 0 1 . O B A l l d e n t l f l c a t l o n o f record t y p e s r l t h l n a f l l e . V a r l o u s t y p e s o f r e c o r d s s u c h as a c c o u n t . h e a d e r , t r a i l e r , c o n t r o l , etc., a r e n o r m a I . 1 y m a l n t a l n e d r l t h l n a f l l e . E a c h r e c o r d t y p e s h o u l d b e l d e n t l f l e d b y a u n l q u e c o d e I n t h e same f l e l d o f each l l k e r e c o r d . A n y m e t h o d o f r e c o r d l n g t h e c o d e Is a c c e p t a b l e .
' 0 0 1 . 0 8 A 2 l d e n t l f y l n g Records f o r a ' g l v e n b a n k . Two m e t h o d s a r e I n g e n e r a l u s e a n d e l t h e r Is a c c e p t a b l e :
O O 1 . O B A t a A s e p a r a t e f l l e f o r each b a n k p r o c e s s e d b y t h e d a t a c e n t e r .
0 0 1 . 0 8 A Z b H u l t l p l e b a n k records o n o n e f l l e w l t h each I d e n t l f l e d b y a u n l q u e c o d e .
I t Is a l s o a c c e p t a b l e t o r e c o r d more t h a n o n e a p p l l c a t l o n
m e t h o d s . H o w e v e r , r e c o r d s f o r e a c h a p p l l c a t l o n s h o u l d b e ( d e n a n d d e p o s l t , s a v l n g s , etc.) r l t h e l t h e r o f t h e a b o v e
I u e n t l f l e d b y a u n l q u e c o d e l o c a t e d I n t h e same r e c o r d .
001.0843 I d e n t l f l c a t l o n o f a c c o u n t s . C e r t a l n a c c o u n t s ( p u b 1 I C
m a l n t a l n e d I n ' t h e f l l e . T h e f o l l o w i n g g u l d e l l n e s a p p l y t o a l l f u n d s , t rust f u n d s , etc.1 m u s t b e I d e n t l f l e d I f t h e a c c o u n t s a r e
a p p l I c a t l o n s :
T l t l e 4 5 - DEPARTMEN? OF B A N K I N G AND FINANCE
001 .08AJa A u n l q u e c o d e ( o r c o d e s ) c a n b e e s t a b l l s h e d b y t h e d a t a c e n t e r , common t o a l l u s e r s , o r t h e d a t a c e n t e r c e n
o f a c c o u n t s . I n t h e e v e n t , a b a n k e s t a b l l s h e s I t s o w n p r o v l d e a n y m e t h o d f o r t h e b a n k t o I d e n t l f y s p e c i f l e d t y p e s
codes , an up - to -da te I l s t m u s t b e m a l n t a l n e d b y t h e b a n k . The d a t a c e n t e r m u s t b e a b l e t o s p e c l f y w h e r e w l t h l n t h e r e c o r d t h e c o d e s e s t a b l l s h e d b y t h e b a n k a r e m a l n t a l n e d . I t
b y th .9 da ta cen ter . . Is recommended t h a t b a n k s u s e t h e c o d l n g s t r u c t u r e p r o v l d e d
001.08A3b A r a n g e o f a c c o u n t n u n b e r s Is n o t a n a c c e p t a b ! e me thod o f cod Ing .
001.08A3c The t y p e a c c o u n t c o d e s h o u l d b e m a l n t a l n e d f n e l t h e r t h e m a s t e r a c c o u n t r e c o r d o r a n a s s o c l a t e d r e c o r d o r f l l e . ( M a s t e r a c c o u n t r e c o r d Is d e f l n e d e s t h a t r e c o r d w h e r e f l n a n c l a l a c t l v l t y Is r e c o r d e d V S . . a n y o t h e r a s s o c l a t e d r e c o r d o r f l l e s u c h a s name a n d a d d r e s s m a s t e r . )
OO1.OBASd P r o b l s l o n f o r e x p a n s l o n o f t y p e a c c o u . n t c o d e
B a n k l n g a n d F I n a n c e may r e q u l r e t h e I d e n t l f l c a t l o n o f s h o u l d b e c o n s l d e r e d f o r f u t u r e u s e . The O e p a r t m e n t o f
a d d l t l o n a l a c c o u n t t y p e s v l t h l n two y e a r s .
0 0 1 . O B A J e ' F o r p u r p o s e s o f p r o c e s s l n g . d l f f e r e n t t y p e s o f a c c o u n t s may b e I d e 2 t l f l e d o n a m u l t l - b a n i f l l e b y a
VS. a c c o u n t s t h a t r e c e l v e a p e r l o d l c s t a t e m e n t , o r , c l u b a n d s e p a r a t e b a n k number. Example: R v g u l a r p a s s b o o k s a v l n g s
r e g u l a r s a v I ngs accoun t
B a n k s a n d / o r d a t a c e n t e r s may u s e a n y o t h e r c o d e s t o l d e n t l f y a c c o u n t s n o t s p e c l f l s d h e r e l n f o r t h e l r own pu rDoses ( such a s s u b - t y p e o f a c c o u n t ) p r o v i d e d t h a t t h e m l n l m u m s t a n d a r d s a s s e t f o r t h a r e s a t l s f l e d . I t Is n o t t h e I n t e n t o f t h e s e s t a n d a r d s t o Ilmlt o r e x c l u d e t h e c o d l n g o f a c c o u n t t y o e s .
001.OBA4 l d e n t l f y l n g S t a t u s o f A c c o u n t . C o d e s a r e n e e d e d t o l d e n t l f y t h e s t a t u s o f a n a c c o u n t . S t a n d a r d s a p p l l c a b l e t o I d e n t l f y l n g s t a t u s f o r a l l a p p l l c a t l o n s a r e : -
001.08Ala A u n l q u e c o d e ( o r c o m b l n a t l o n o f c o d e s ) s h o u l d b e u s e d t o l d e n t l f y s t a t u s .
T l t l e 4 5 - DEPARTMENT OF BANKING AN0 FINANCE
001.08A4b The s t a t u s c o d e s h o u l d b e m a l n t a l n e d e l t h e r I n t h e m a s t e r a c c o u n t r e c o r d o r a n y a s s o c l e t e d r e c o r d o r f l l e . ( M a s t e r a c c o u n t r e c o r d Is d e f l ned as t h a t r e c o r d r ' h e r e t h e f l n a n c l a l a c t l v l t y Is r e c o r d e d ' a s opposed t o a n y a s s o c l a t e d r e c o r d or f l l e such as m a s t e r name and address . ) A r a n g e o f accoun t numbers Is n o t a n a c c e p t a b l e m e t h o d o f c o d f n g .
00l.OBA4c P r o v l d e f o r e x p a n s l o n o f s t a t u s c o a e s .
Any c o d e or c o m b l n a t l o n o f codes may be u s e d t o I d e n t l f y t h e s t a t u s o f a n a c c o u n t . Any r e c ' o r d l n g m e t h o d Is a c c e p t a b l e p r o c l a e d t a t t h e m e t h o d Is u n l f o r m f r o m r e c o r d t o r e c o r d f o r a g l v e n b a n k . B a n k s a n d / o r d a t a c e n t e r s may e s t a b l l s h s t a t u s c l a s s l f l c a t l o n s ' o t h e r t h e n t h o s e s p e c l f l e d h e r e l n f o r o t h e r p u r p o s e s I f t h e y so d e s l r e . I t Is n o t t h e I n t e n t o f t h e s e s t a n d a r d s to Ilmlt o r e x c l u d e t h e l d e n t l f l c a t l o n o f a c c o u n t s b y a s t a t u s I n d l c a t o r .
DOi.088 O a t s F i e l d s W l t h l n a Record
001.0881 R e c o r d - k e e p l n g g u l d e l l n e s
001.08Bla D a t a may b e r e c o r d e d u s l n g a n y o f t h e s t a n d e r d , t e c h n l q u e s p r o v l d e d b y t h e m a n u f a c t u r e r . A c c e p t a b l e recording m e t h o d s I n c l u d e , b u t . a r e n o t l l m l t e d t o :
001 .OBBta(l) s t a n d a r d a l p h a n u m e r l c ( c h a r a c t e r d a t a )
00l.O88Ia(2> p a c k e d s l g n e d ; s l g n s m a y b e h l g h o r l o r o r d e r
001 . 0 8 8 l a O ) pecked uns igned
001 .0881a(4 ) zone dec lma l s lgned ; may be h lgh o r l o r o r d e r
001 .0881a(S) z o n e d e c l m a l u n s l g n e d
001 . O W 1 a ( 6 ) b I nary
T l t l e 45 - DEPARTMENT OF BANKING AN0.FINANCE
Any u n l q u e s p a c e s a v l n g s r e c o r d l n g t e c h n l q u e o r r e c o r d l n g t e c h n l q u e s d e s l g n e d f o r s e c u r l t y p r p o s e s a r e a c c e p t a b l e .
t s e h n l q u e t o t h e D e p a r t m e n t o f , B a n k l n g a n d F l n a n c e . The d a t a c e n t e r s h o u l d b e a b l e t o c l e e r l y d e s c r l b e t h e
0 0 1 . 0 8 B l b T h e r e c o r d l n g t e c h n l q u e u s e d f o r a n y g l v e n f l e l d s h o u l d b e c o n s l s t e n t f o r a l l l l k e r e c o r d s w l t h l n a g l v e n 11 I e.
001 . O B B t c The f o r m a t e o f d a t a r e c o r d e d ' I n a n y g l v e n f l e l d s h o u l d b e c o n s l s t e n t f o r a l l I l k e r e c o r d s . E x a m p l e : I f t h e f o r m a t f o r a g l v e n d a t e f l e l d s Is MMODYY, It s h o u l d b e
I I k e r e c o r d s . r e c o r d e d I n t h a t f o r m a t f o r t h e g l v e n d a t e f l e l d f o r a l l
001.08Bld A l l f l e l d s o f d a t a h e n d l e d a r l t h m e t l c a l l y s h o u l d b e I n l ~ t l a l l r e d . B l a n k s a r e n o r m a l l y n o t c o n s l d e r e d t o b e a
a m o u n t a n d d a t e f l e l d s ' s h o u l d b e I n l t l a l l z e d r l t h n u m e r l c s o u n d r e c o r d - k e e p l n g t e c h n l q u e f o r a n a r l t h m e t l c f l e l d . A l l
z e r 0 . s I n t h e a b s e n c e o f s p e c l f l c v a l u e s , e x c e p t I n T h o s e I n s t a n c e s w h e n , f o r s e c u r l t y o r c o d l n g p u r p o s e s , a s t r l n g o f n o r r n u m e r l e c h a r a c t e r s a r e r e c o r d e d I n t h e f l e l d (documentation s h o u l d , o f c o u r s e , c l e a r l y d e s c r l b e t h e r e a s o n f o r n o r r n u m e r l c v a l u e s ) .
001.OBBle A l l t h e d a t a f o r a g l v e n Item o f l n f o n n a t l o n s h o u l d b e r e c o r d e d a s a s l n g l e e o n t l n g u o u r f l e l d .
a. T l f l e 4 5 - DEPARTMENT O F BANKING A N D FINANCE
E x h l b l t A T I M E TABLE FOR C O M P L I A N C E
I f t h e d a t a c en te r c o m p u t e r p r o g r a m s a r e c u r r e n t l y d e s l g n e d t o a c c o m o d a t e t h e l d e n t l f l c a t l o n o f t h e t y p e or s t a t u s o f a c c o u n t s f o r e a c h a p p l c a t l o n s e t f o r t h h e r e l n ( 1 . e . D e m a n d O e p o s l t , S a v l n g s , Etc.) t h e b a n k , u l t h t h e c o o p e r a t l o n o f
m a t e r l a l b e c o m e s e f f e c t l v e . t h e d a t a center, s h a l l c o m p l y w l t h l n SIX ( 6 ) m o n t h s f r o m t h e d a t e t h l s
s c h e d u l e as t o w h e n c h a n g e s w 1 1 1 b e m a d e s u b j e c t t o r e a s o n a b l e e f f o r t . T h l s I f a n y o f t h e f o l l o r l n g c o n d l t l o n s e x l s t , t h e d a t a c en te r s h a l l p r e p a r e a
t l m e s c h e d u l e f o r c o m p l l a r i c e s h a l l be c o m p l p t e d a n d f o r w a r d e d t o t h e D e p a r h e n t o f B a n k l n g a n d F l n a n c e a t t h e e a r l l e s ? p o s s l b l e d a t e .
1 . t h e d a t e c e n t e r p r o g r a m s d o not I n c l u d e t h e n e c e s s a r y r o u t l n e s t o I d e n t l f y a n y or c e r t a l n o f t h e accounts b y t y p e or s t a t u s ;
2 . t h . e d a t a f l l e s d o not I n c l u d e t h e r e q u l r e d f l e l d s ;
3 . t h e s y s t e m d o e s m c o m p l y r l t h t h e s t a n d a r d s g o v e r n l n g t h e c r e a t l o n a n d mal n t e n a nce o f r e g u 1 r e d f I e l d s .
T h e b a n k s s h a l l h o v e t h r e e (3 ' ) m o n t h s to c o d e t h e a c c o u n t s a f t e r ? h e d a t a c e n t e r h a s m a d e t h e p r o v l s l o n s I n t h e l r p r o g r a m s .
.> .
A. Amount Advanced 8-821 Net mount of credlt r s e l v e d 45-335 lhe cash s a 1 0 p r l c e of goods or r e r v l c m whlch are contracted for; lass the anwnt of the buyer's down pament I n no- or goods or both.
8. Insurance P r w l u a s 8-821 a. Prw luns pa ld to the Insurer 45-331 lhe mount, Included for Insurarce, on p o l lclas cover l rg i a rg lb le sha l l rat exceed the appl lcable prmlun pe rsoml pmper t y seu r l rg the loan.
ra tes chargmhle In accordance w l t h f l l l rgs , I f any, u l t h t h e Depsriment of
sickness and accldent l n s u r I nsurance.
once pol I C ~ E S .
Insurance.
b. . P m l u n s p a l d f o r c r a j l t I I f e ,
e. lhe actual costs o f ran-flllrg
C Df f lc la l Feas 8-121 Lawful fees actually and ne=- 45-335 Lawful fees ac tua l l y and necessarly pald
l q , o r r e l e a s l y a n l n s t n m e n t b e u r l r g a loan.
sa r l l y pa ld to a p u b l i c o f f l c e r to a p u b l i c o f f l c e r f o r 111 l r g , rsord- f o r f I I 1 rg,' record 1 rg, o r re1 as- Irg an lns t runent seur l rg the loan.
D. hount Flnanced Ate+@ D AtBtQD
E. F I mnce Charge 8-820 F-D-E Hot to exceed eighteen 45-338 The t h e p r l c e d l f f e r e n t l a l for any goods ( l lme Pr lce percent s l rnp le In te rs t per ymr o r serv lces so ld under an Installment D l fferentlal) o n t h e f l r s t one thousanl dol lars contract shall mt e x c d elghteen
percent per an- on t ha t pa r t of the unpald balance rot I n excess of om thousand d o l l a r s and rat c ~ c d l r g hrelve percent per anrun on that part of the unpald pr lnc lpa l ba larce In excess of the one thousand dol lars.
and hrelve.pemen) slrnple Interest psr ye& on the balance over om thousand d o l l a r s
F. l lme Balance 8-815 D+E=F DtE-F
G. Amount of Ihe amwnt that appl les solely to . lhe m b e r , m o u n t and due date or
l l t l e 4 S - DEPARTCWTOF BANXING AM FINANCE
H. burrent Balaree lAtBtC+E)-G-H or F - W i lAtBtCIE)-G=H o r F-G-11
1. Unearned D l s m u n t 0-022 Rule of 78.s or other method as 45-S42 Rule of 78.5 o r o t h e r methcd as prescrlbod 1. F l M E e Charge prescribed by Ian. Applled to E. by Ian. Applied to E. I llme P r i c e D l f f e r e n t l a l ) 2. Imuraree @le of 70's or o ther m e t h o d as Rule of 78's or other m e t h o d as prescrlbod
. prescrlbed by Ian. Appl led to 8. by law. Appl led to 0.
J. Externion Charges No S p S l f I c s t a t u i o r y p m v l s l o n
of del lnquent charges a bark may for axtenston charges; b u t I n I l e u
toke In te res t on exh del inquent '
ma lu r l t y date, b u t n l t h l n 121 months Installment a f t e r t h e o r l g l m l
k. HInlmm Charges 8-820 A mlnlmun fk of f l v e d o l l a r s may 45-SS8 bemade I n l l e u of E.
t - Del f n q u e n t charges 8-822 Del lnquercy charges on any ,
scheduled Imtsllment or p o r t l o n '
t he rmf , I f controcted for, may be taken mt I n excess of f l v e p e r cent on each Instal lment or 'flve dollars, nhlchever Is less.
45-342
H. Attar- Fees and 8-820 YIxable costs to nhlch the bark Is 45-S42 mur t costs
Jud lc la l pmceed l rgs lm t l l u ted to adJudgd to b e o n t l t l c d I n
COI I et the loan.
No s p s l f l c s t a t u t o r y p m v l s l o n f o r
del lnquemi charges, a bark may take ax temlon charges: b u t I n I leu of
In te res t on exh del lnquent Imtall- ment a f t e r t h e o r l g l m l m a t u r l t y date, b u t n l t h l n 145 months
A mlnlmun charge o f t e n d o l l a r s may be made I n lleu of E.
An Im ta l lmen t con t rac t may provlde
a de l lnquerey chaFe on mch Imta l lment tha t the ho lder thermf may c o l t st
I n d e f m l t f o r a perlod m less than ten days, I f pmvlded for I n the contract , mt I n excess of f lve percent of each tmtat lment or f lve do l lars , nh lchever Is 185s.
Casts nhlch are ad.Ju4ed to b e e n t l t l e d I n Judlc la l pmceedlngs Inst i tu ted io c o l l s t the account.
N. Payoff 8-822 H-lItJ)mN 45-342 Nohr l thstandlng the pmvls lom of any c o n t r a 3 to the contrary, any buyer may prepay I n ful l a t any t lme before matur l tq tho bo1 lga t l on o f any contract and I n so payl 'g such c b l l g a t l o n s h a l l r e e l v e a re fun i c red l t thereon fo r such an f l c lpa t l on of papenis.
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