7.1 release enhancement seminar loans

1. 7.1 Release Enhancement SeminarLoans

3. SSN/EIN Edits - EN1579 A new Tax ID status field is defined to designate the status of the Tax ID (i.e. certified, foreign-no withholding, etc.). The default values will be added the night you migrate to 7.1 environmentA new Tax ID status field is defined to designate the status of the Tax ID (i.e. certified, foreign-no withholding, etc.). The default values will be added the night you migrate to 7.1 environment

4. Tax ID Number (TIN) Edits New edits were added to the BancWIN Name record to validate the Tax ID Number (TIN) at the time of entry. The edits will perform a validation when the Name record is updated. New edits were added to the BancWIN Name record to validate the Tax ID Number (TIN) at the time of entry. The edits will perform a validation when the Name record is updated.

5. TIN Status Codes Values Update: Application 09 � Name Information Fields: 7287 � TIN Status Codes Values Update: Application 09 � Name Information Fields: 7287 � TIN Status Codes

6. Special Tax IDs Special tax IDs 777-77-7777, 888-88-8888 and 999-99-9999 were used by Banks to designate a foreign accountholder. The withholding code that was entered on the account level determined if the customer�s account was subject to withholding. Since Tax IDs with all 7s, 8s, and 9s have been defined as frivolous and are not accepted for input online, the user may enter Tax ID 000-00-0000 or blank* with the appropriate Tax ID status (either Foreign-withholding or Foreign-No withholding) on the Name record. *Note: All blank entries will display the default Tax ID of 000-00-0000 when the Name record is updated.Special tax IDs 777-77-7777, 888-88-8888 and 999-99-9999 were used by Banks to designate a foreign accountholder. The withholding code that was entered on the account level determined if the customer�s account was subject to withholding. Since Tax IDs with all 7s, 8s, and 9s have been defined as frivolous and are not accepted for input online, the user may enter Tax ID 000-00-0000 or blank* with the appropriate Tax ID status (either Foreign-withholding or Foreign-No withholding) on the Name record. *Note: All blank entries will display the default Tax ID of 000-00-0000 when the Name record is updated.

7. Combinations

8. Withholding Validation for Interest Bearing Accounts The edit program will check the Tax ID status entered on the Name record to the withholding code on accounts linked to the same Tax ID. If there is any �mismatch� of withholding instructions, BancPac will display a �Tin Status/withholding flag mismatch EXAMPLE: a customer with a certified Tax ID has 3 accounts linked to the same Tax ID. The user changed the Tax ID status from �Certified� to �Not certified� on the Name record. The Tin Status/withholding flag mismatch information box displays the accounts with a withholding code of �Do not withhold.� BancPac WILL NOT change the withholding status on accounts � it is the banks responsibility to ensure that the TIN status is correct and corrections are made if needed. BancPac only validates withholding on Interest Bearing Accounts. DDA�s with a status code of 50 or less will not be considered: ie.. Locked, inactive, dormant or pending closed.The edit program will check the Tax ID status entered on the Name record to the withholding code on accounts linked to the same Tax ID. If there is any �mismatch� of withholding instructions, BancPac will display a �Tin Status/withholding flag mismatch EXAMPLE: a customer with a certified Tax ID has 3 accounts linked to the same Tax ID. The user changed the Tax ID status from �Certified� to �Not certified� on the Name record. The Tin Status/withholding flag mismatch information box displays the accounts with a withholding code of �Do not withhold.� BancPac WILL NOT change the withholding status on accounts � it is the banks responsibility to ensure that the TIN status is correct and corrections are made if needed. BancPac only validates withholding on Interest Bearing Accounts. DDA�s with a status code of 50 or less will not be considered: ie.. Locked, inactive, dormant or pending closed.

9. Pre-Migration The RPT585 production prior to migration will allow banks an opportunity to make corrections to invalid TIN�s. Accounts with status 51 thru 62 and 92 through 99 are bypassed Status Code Description 51Locked out to DR 52Locked out to CR 53Locked out-Inactive 54Locked out-dormant 55Locked out-deceased 56Locked out-garnishment 57Locked out-court order 58Locked out-bad address 59L/outACH-deceased 60Locked out to ACH 61Locked out to all dr & cr 62Locked out-chargedoff 92Closed-charged off 94Closed @ cr grantor�s request 95Closed-to be purged 96Closed-do not purge 97Closed-never purge 98Close and purge account 99Closed-to be purged The Foreign TIN status is determined by the withholding exemption code on the first account linked to the same Tax ID. Tax ID is 000-00-0000 and first account linked to the name record is withholding, the name is listed on RPT585 as an exception for informational purposes. Tax ID is 000-00-0000 and the first account linked to the name record is not withholding, the Name is not an exception and not listed on RPT585. The RPT585 production prior to migration will allow banks an opportunity to make corrections to invalid TIN�s. Accounts with status 51 thru 62 and 92 through 99 are bypassed Status Code Description 51Locked out to DR 52Locked out to CR 53Locked out-Inactive 54Locked out-dormant 55Locked out-deceased 56Locked out-garnishment 57Locked out-court order 58Locked out-bad address 59L/outACH-deceased 60Locked out to ACH 61Locked out to all dr & cr 62Locked out-chargedoff 92Closed-charged off 94Closed @ cr grantor�s request 95Closed-to be purged 96Closed-do not purge 97Closed-never purge 98Close and purge account 99Closed-to be purged The Foreign TIN status is determined by the withholding exemption code on the first account linked to the same Tax ID. Tax ID is 000-00-0000 and first account linked to the name record is withholding, the name is listed on RPT585 as an exception for informational purposes. Tax ID is 000-00-0000 and the first account linked to the name record is not withholding, the Name is not an exception and not listed on RPT585.

10. Viewing CIP Information on the Name Record Inquiry Screen � EN1502 The Customer ID program information has been added to the Inquiry tab of the Name Record. Users without permission to Add/Delete CIP information will be able to view data but the fields will be disabled. Function 223 - Names: Add/Delete CIP Information: Allows a user to enter, change, or clear data in the fields on the Identification screen on the Name Record. � At migration, users authorized for Security Function 033 - Customer menu: add customer will be given Function: 223 � Names: Add/Delete CIF InfoThe Customer ID program information has been added to the Inquiry tab of the Name Record. Users without permission to Add/Delete CIP information will be able to view data but the fields will be disabled. Function 223 - Names: Add/Delete CIP Information: Allows a user to enter, change, or clear data in the fields on the Identification screen on the Name Record. � At migration, users authorized for Security Function 033 - Customer menu: add customer will be given Function: 223 � Names: Add/Delete CIF Info

12. Clone a Product � EN 1393 Edit � Create a New product definition or modify and existing. Copy � Copy the settings from the selected product to a new product definition. Will allow the copying of a disabled product. Does NOT copy the GL functions � the GL functions will have to mapped for the New �Copied� product. Select All � include all of the products for the selected application Print Report � provides a print preview of the product definitions for the selected product(s).Edit � Create a New product definition or modify and existing. Copy � Copy the settings from the selected product to a new product definition. Will allow the copying of a disabled product. Does NOT copy the GL functions � the GL functions will have to mapped for the New �Copied� product. Select All � include all of the products for the selected application Print Report � provides a print preview of the product definitions for the selected product(s).

13. Copied Product Must go into Interest/Charges and define the back end of the product.Must go into Interest/Charges and define the back end of the product.

14. View New Product

15. Tracking Mass Maintenance

16. Reversing a Completed Maintenance Job A mass maintenance job can be reversed AFTER the job runs, and if the file from the job still displays in the grid. If maintenance has been completed on a job since the scheduled job completed, BancPac WILL NOT reverse the changes to those accounts (going in a manually changing an officer). If any values have been changed since the mass maintenance job was performed, BancPac applies the changed value instead of the original value (Mickey Mouse had been changed to Minnie Mouse). If the value no longer exists the description will read Undefined.A mass maintenance job can be reversed AFTER the job runs, and if the file from the job still displays in the grid. If maintenance has been completed on a job since the scheduled job completed, BancPac WILL NOT reverse the changes to those accounts (going in a manually changing an officer). If any values have been changed since the mass maintenance job was performed, BancPac applies the changed value instead of the original value (Mickey Mouse had been changed to Minnie Mouse). If the value no longer exists the description will read Undefined.

17. BancSEC New Security Functions have been added in BancSEC for application BancBPR. No one will be given new security functions at migration.New Security Functions have been added in BancSEC for application BancBPR. No one will be given new security functions at migration.

18. Product Parameters Report � EN1367 Select a single product to print. Select multiple products: consecutively � use shift key random � use ctrl key This is a print of all parameters of the product.Select a single product to print. Select multiple products: consecutively � use shift key random � use ctrl key This is a print of all parameters of the product.

19. Print/Page Setup Screen � EN1316

20. Page Setup & Print Setup Dialog

21. BancMNT File Menu: �A Print Setup menu option has been added to the File menu. � The printer settings made through the File menu will be the initial printer settings for the Print Selection screen, the Transaction Codes screen, and the Notice Control screen. Control File Report Print Selection: �Printer settings established on this screen override the settings made through the File menu. Transaction Codes: ��Printer settings established on this screen override the settings made through the File menu. Notice Control: �Printer settings established on this screen override the settings made through the File menu. File Menu: �A Print Setup menu option has been added to the File menu. � The printer settings made through the File menu will be the initial printer settings for the Print Selection screen, the Transaction Codes screen, and the Notice Control screen. Control File Report Print Selection: �Printer settings established on this screen override the settings made through the File menu. Transaction Codes: ��Printer settings established on this screen override the settings made through the File menu. Notice Control: �Printer settings established on this screen override the settings made through the File menu.

22. BancWIN

24. ACH Origination Warehousing � EN1426

26. Display Names of Escrow Payees on Inquiry � EN1508 BancPac displays the actual name of the Escrow payee.BancPac displays the actual name of the Escrow payee.

27. Tiered/Relationship Pricing � EN1488

29. Segmented Line of Credit Accounts � EN1573

30. Display Number of Days Late � EN1422 The calculation for the number of days late uses the same logic used in Metro 2 CBI reporting. The system uses the current date in conjunction with 3 payment delinquent dates. The date that has an amount associated with it, is the date used to calculate the days late. Example: If the third delinquent date is greater than zero but the third delinquent amount due is zero, the system will bypass the third date and look at the second delinquent date. The calculation for the number of days late uses the same logic used in Metro 2 CBI reporting. The system uses the current date in conjunction with 3 payment delinquent dates. The date that has an amount associated with it, is the date used to calculate the days late. Example: If the third delinquent date is greater than zero but the third delinquent amount due is zero, the system will bypass the third date and look at the second delinquent date.

31. Payment �Tolerances� � EN1386 The parameters in BancMNT allow tolerances to mark a bill as satisfied when a payment transaction amount falls short of the billed amount. Percentage of full payment � this % is required to satisfy the bill. Payment shortage to be considered pull pmt - $ amount that a payment can be short of the billed amount and still satisfy the bill.The parameters in BancMNT allow tolerances to mark a bill as satisfied when a payment transaction amount falls short of the billed amount. Percentage of full payment � this % is required to satisfy the bill. Payment shortage to be considered pull pmt - $ amount that a payment can be short of the billed amount and still satisfy the bill.

33. Combine Loan and LOC on the Trial Balance Report � EN1553

34. Expanded Field Length � EN1543

35. LOC History Card

37. Separate Function for External Transfers � EN1481 A separate security function has been defined so that your bank can restrict users from adding, viewing, changing, or deleting an external (ACH) transfer: FUNCTION: 222 � Transfers: External ACH Transfer The function works in conjunction with the existing transfers security functions 012 - Transfers: Change 096 - Transfers: Add transfer 097 - Transfers: Delete transfer 129 - Transfers: Inquiry. A separate security function has been defined so that your bank can restrict users from adding, viewing, changing, or deleting an external (ACH) transfer: FUNCTION: 222 � Transfers: External ACH Transfer The function works in conjunction with the existing transfers security functions 012 - Transfers: Change 096 - Transfers: Add transfer 097 - Transfers: Delete transfer 129 - Transfers: Inquiry.

38. Is the User Authorized? The functions do not affect a user's ability to add, change, view, or delete interest payment transfers set up on the demand deposit second Charge/Interest screen or the certificate of deposit Payment/Penalty screen. Any user authorized for Security Function 096 - Transfers: Add transfer will be authorized for Security Function 222 - Transfers: External ACH transfer at migration.The functions do not affect a user's ability to add, change, view, or delete interest payment transfers set up on the demand deposit second Charge/Interest screen or the certificate of deposit Payment/Penalty screen. Any user authorized for Security Function 096 - Transfers: Add transfer will be authorized for Security Function 222 - Transfers: External ACH transfer at migration.

40. Unique Name Record Number Can be utilized as a unique identifier for research purposes. Is utilized by the interface for Internet Banking Can be utilized as a unique identifier for research purposes. Is utilized by the interface for Internet Banking

43. Print Corrected Tax Forms Directly from BancIRS � EN1394 By clicking on the Print Form button on the Account Information screen, users can generate an �IRS form in the same format generated by BancPac�s IRS batch reporting programs. �BancPac displays the form on the new Print Preview screen for review and printing. If the record has changed since the date the original form was printed � the �Corrected� form will be printed.By clicking on the Print Form button on the Account Information screen, users can generate an �IRS form in the same format generated by BancPac�s IRS batch reporting programs. �BancPac displays the form on the new Print Preview screen for review and printing. If the record has changed since the date the original form was printed � the �Corrected� form will be printed.

44. Changing the Form and Data

45. Records Marked for Deletion

46. IRS Form Changes

48. Accessing BancIGL

49. BancIGL Menu Options

50. What is a Daily Adjustment?

51. Daily Adjustment

52. What is a Pre-Paid Transfer?

53. What is a Distribution?

54. Tools Menu Option

55. The GL Account Number

56. Account Number Display

57. Banks Currently Using Profit Center

58. Banks Not Currently Using Profit Center Account number 91682102, Profit centers not used. 9 1 6 8 2 1 + 0 2

59. Locating Accounts

60. Accessing Account Information

61. Account History Inquiry

62. Adding New Accounts or Creating a Product

63. Reports

64. BancIGL Reports Listing

65. Visit the BancPac Virtual Learning Center

66. Thank you for attending the 7.1 Release Enhancement Seminar - Loans.