AIRES Loan Data Record Layout Specifications November 2000 FIELD NUMBER FIELD NAME FIELD TYPE & LENGTH 1 Record Code A1 2 Account Number A20 3 Member's Name A41 3a Last Name   3b First Name   3c Middle Initial   4 Mailing Street Address A30 5 City A15 6 State A2 7 Zip Code A9 7a 5-Digit Zip Code   7b 4-Digit Zip Code   8 "Other" Street Address A30 9 Loan Type Code A5 10 Payment Amount N14.2 11 Purpose Code A5 12 Loan Term A3 13 Payment Frequency Code A2 14 Date of Loan Date 15 Original Loan Amount N14.2 16 Interest Rate (APR) N7.3 17 Interest Rate (APR) Code A3 18 Current Loan Balance N14.2 19 Date of Last Activity Date 20 Last Activity Code A5 21 Next Payment Due Date Date 22 Accrued Interest N10.2 23 Credit Limit N14.2 24 Social Security Number A12 25 Days Delinquent N4 26 Delinquency Counter 30-59 Days N3 27 Delinquency Counter 60-89 Days N3 28 Delinquency Counter 90-119 Days N3 29 Delinquency Counter 120 Days + N3 30 Insider Codes A2 31 Loan Officer/CC Initials A3 AIRES Loan Field Descriptions November 2000 ·        Record Code - For all software vendors, the loan record code will be "L." ·        Account Number - Account numbers must include a prefix or suffix code to allow for identification of individual loans within one account number. ·        Member's Name - The member's name will be a string of characters starting with "Last Name, First Name, Middle Initial." ·        Mailing Street Address - The street address will be a string of characters starting with "Number then Name of Street." ·        City - The city will be the city associated with the Mailing Street Address. ·        State - The state will be the state associated with the Mailing Street Address. ·        Zip Code - The zip code will be the zip code and four digit identifier associated with the Mailing Street Address. ·        "Other" Street Address - This field will be used for a street address other than the mailing address; the Other Street Address will be a string of characters starting with "Number then Name of Street.” ·        Loan Type Code - System code for loan type. See attached list for standard codes; CU will enter this information on loan origination. ·        Payment Amount - Amount of the scheduled payment. ·        Purpose Code - System code for loan purpose. See attached list for standard codes; CU will enter this information on loan origination. ·        Loan Term - Number of contractual payments required to amortize the loan. ·        Payment Frequency Code - This field identifies the frequency of contractual payments. See attached list for standard codes. ·        Date of Loan - Format date as MM/DD/CCYY (Month/Day/Century Year). This date will be the date the loans were originally granted (closed-end loan), or most recent advance approved (revolving credit), or plan approved (LOC). ·        Original Loan Amount - Original amount advanced on loan. Signed with two decimal places. ·        Interest Rate (APR) - Current contractual annual percentage rate (APR) expressed as a percent (e.g. 12% = 12.000). Three decimal places. ·        Interest Rate (APR) Code - This field will identify fixed, adjustable and variable rate loans. See attached list for standard code. ·        Current Loan Balance - The outstanding principal balance, signed with two decimal places. ·        Date of Last Activity - Date of last account activity, either monetary or non-monetary. Format date as MM/DD/CCYY (Month/Day/Century Year). ·        Last Activity Code - Identifies the last account activity by code. See attached list for standard codes. ·        Next Payment Due Date – Format date as MM/DD/CCYY (Month/Day/Century Year). ·        Accrued Interest - Total amount of interest due since last payment. Signed with two decimal places. ·        Credit Limit - In cases of approved lines of credit, input the contractual dollar amount approved for this loan. ·        Social Security Number - Primary borrower's Social Security Number or TIN Number. ·        Days Delinquent - Number of days the next payment due is past due. ·        Delinquency Counter 30-59 Days - Number of times a payment has been 30 to 59 days past due. ·        Delinquency Counter 60-89 Days - Number of times a payment has been 60 to 89 days past due. ·        Delinquency Counter 90-119 Days - Number of times a payment has been 90 to 119 days past due. ·        Delinquency Counter 120 Days and OVER - Number of times a payment has been over 120 days past due. ·        Insider Codes- System codes used to identify Directors, Officials, Employees and Family Members. See attached list for standard codes. ·        Loan Officer / CC Initials - Field is used to identify the approving official; in cases where the loan was approved by the Credit Committee, field will be "CC." STANDARD NCUA LOAN TYPE CODES LOC                Line of Credit, including Credit Cards UNS                Unsecured SHR                Share Secured NVE                New Vehicle UVE                Used Vehicle REC                Recreation Equipment 1MT                First Mortgage 2MT                Second Mortgage HEQ                Home Equity URE                Unimproved Real Estate MHM               Mobile Home AGR                Agricultural COM               Commerical STS                Stock Security GVT                Government Guarantee OT1                 Other Member Loans OT2                 Other Loans (purchased or to non-members) STANDARD NCUA LOAN PURPOSE CODES BIL                  Pay Bills NST                Not Stated NVE                New Vehicle UVE                Used Vehicle TCV                Taxes, Christmas, Vacation REC                Recreation Equipment RES                Residential Real Estate URE                Unimproved Real Estate MHM               Mobile Home AGR                Agricultural BUS                Business/Commercial HGD               Household Goods HIM                 Home Improvement HEL                Home Equity EDU                Education INV                  Investment OTH                Other STANDARD NCUA PAYMENT FREQUENCY CODES A                     Annual Payment SA                   Semi-Annual Q                     Quarterly M                     Monthly SM                  Semi-Monthly (2 monthly payments) W                    Weekly BW                  Bi-Weekly (every 2 weeks) S                     Single Payment STANDARD NCUA INTEREST RATE CODES FR                   Fixed Rate ARM               Adjustable Rate Mortgage VR                   Variable Rate Loan STANDARD NCUA LAST ACTIVITY CODES INI                    Initial Balance INC                  Increase Balance DIR                  Direct Payment TRN                Transfer from Shares PAY                Payroll Deduction ADJ                Adjustment FEE                Loan Fee INP                  Insurance Payment INR                  Insurance Refund REF                Refinance Loan OTH                Other STANDARD NCUA INSIDER CODES D                     Director SC                  Supervisory Committee CC                  Credit Committee DR                  Director Relative CD                  Committee Relative ER                   Employee Relative DB                  Director Business CB                  Committee Business EB                   Employee Business O                     Other DATA CONFIGURATION NOTES ·        All fields are <TAB> delimited with “Carriage Return/Line Feed” at the end of every record. ·        Field sizes are the maximum length for the field.  ·        Numerical fields are sign-leading with explicit decimal points.  The numerical notations in the charts above (such as N14.2) do not count the sign, but do count the decimal point.  The number to the left of the decimal point is the total of the digits of number plus the decimal point.  The number to the right of the decimal point is the number of digits to the right of the decimal point, ie. 123456.12 = N9.2. ·        Numbers can have leading zeros or may be trimmed off. ·        Date fields are MM/DD/CCYY format.