Kanbay Incorporated

CMS
LEVEL II

Interest Processing
 Interest Processing…

Control Levels…
▲ Processing Control Table
 Logo Record
 Credit Plan Master Record
 Interest Table

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 2

Interest Processing

▲ Determining PCT
Logical Grouping of Accounts based on PCT ID
Private Label = residence ID
Bankcard = Issuance ID

 Determining the Interest Table from PCT

 Understanding the Interest Table

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 3

 Interest Table

Interest Table Parameters

 Billed-Not-Paid-Components
 Interest Start Dates
 New Debit Interest/Interest Charge Options
 Year Base
 Accrual Method
 Interest Rounding
 Interest Type
 Variable Rate Increases and Decreases

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 4

 Interest Table

ARMR ( ) *** USER DEFINED TITLE *** PAGE 00 07/09/2004

INTEREST TABLE 04:24:07

ORGANIZATION ( 001 ) LOGO ( 000 ) TABLE ( 001 )

PF1=ARMU PF2=ARMF PF3=ARAR PF4=ARAI PF5=ARMI PF6=INQUIRY

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 5

 Interest Table
ARMR ( ) * USER DEFINED TITLE * PAGE 01 07/09/2004

ARMR Screen 01 INTEREST TABLE 04:31:35

ORGANIZATION 001 LOGO 000 TABLE 001

MAINTENANCE TO THIS RECORD AFFECTS THE FOLLOWING PROCESSING CONTROL TABLE IDS

001 007 076 080 117 283 398 414 446 493
683 721

PF1=ARMU PF2=ARMF PF3=*TOP* PF4=*BOT* PF5=*BWD* PF6=*FWD*

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 6

 Interest Table
ARMR ( ) * USER DEFINED TITLE * PAGE 02 07/09/2004
INTEREST TABLE 04:35:49
ORGANIZATION 001 LOGO 000 TABLE 001 LAST MAINT 04/15/1997

INTEREST OPTIONS
INT ON MEMBERSHIP ( 1 ) INT ON NSF FEE 1-5 ( 1 ) INT START DB ( T )
INT ON INT ( 1 ) INT ON SVC ( 1 ) INT START CR ( T )
INT ON OVER LMT ( 1 ) INT ON INS ( 1 ) INT NEXT STMT ( A )
INT ON COLL FEES ( 1 ) INT ON RECOV FEES ( 1 ) INT ON LATE CHG ( 1 )
INT ON USER FEE 1 ( 0 ) INT ON USER FEE 2 ( 0 ) INT ON USER FEE 3 ( 0 )
INT ON USER FEE 4 ( 0 ) INT ON USER FEE 5 ( 0 ) INT ON USER FEE 6 ( 0 )
YEAR BASE ( 1 ) ACCRUAL METHOD ( A ) INTEREST ROUNDING ( 0 )
RATE TYPE ( V ) LIMIT INDICATOR ( 0 ) DCI Y 03121997
RATE INDEX TBL ( 150 ) CAP REDUCTION ( 9999999 ) CAP INCREASE ( 9999999 )
FLOOR RATE 1 ( 0640000 ) CEILING RATE 1 ( 9999999 )
FLOOR RATE 2 ( 0000000 ) CEILING RATE 2 ( 9999999 )
LMT1 ( 00999999999999999 )

CURRENCY 840 NOD 2 PER ITEM NOD 3 PERCENTAGE NOD 7

PF1=ARMU PF2=ARMF PF3=ARAR PF4=ARAI PF5=ARMI PF6=INQUIRY

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 7

Interest Table Parameters – INT NEXT STMT
INT NEXT DESCRIPTION
STMT
N Do Not Charge Interest
Y Charge Interest
A Waive Accrued Interest if
i. Account Beg Balance this cycle is zero
ii. Account Beg Balance this cycle is paid in full, or paid within the payoff variance of the statement
date
S Waive interest if the entire payable balance is paid off within the payoff variance of the statement
date.
D Defer Interest if
i. Beginning balance is zero, or
ii. Beginning balance is paid off before this statement.
G Accrue and Defer Interest on new purchase transactions
R Accrue and Defer Interest on all new purchases on the statement
P Waive all Plan Interest based on Plan Balances
B Rebate Interest at account level
Q Rebate Interest at Plan Level
U Charge Interest Unconditionally

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 8

 Interest Table Parameters
Accrual Method
A: Daily
Accrued Interest updated during daily run
B: Monthly
Accrues No Interest, at Cycle Close - Aggr. BSTFC/Days in Cycle to calculate
Interest
C: Monthly Adjusted Ending
Accrues No Interest, at Cycle Close – Avg. BSTFC is used to calculate interest
D: Balance At Month End
Accrues No Interest, at Cycle Close – BSTFC on closing balance is used to
calculate interest

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 9

 Year Base and Interest Rounding
Year Base: Code that indicates the Year Base CMS uses for Interest
Calculations
0: Actual 365 or 366 days
1: Fixed 365 days
2: Fixed 360 Days (if Accrual Method is A or B)

Interest Rounding
0 – Standard Rounding
1 – Always round up
2 – Truncate

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 10

 Interest Table
ARMR ( ) *** USER DEFINED TITLE *** PAGE 02 07/09/2004
INTEREST TABLE 04:35:49
ORGANIZATION 001 LOGO 000 TABLE 001 LAST MAINT 04/15/1997

INTEREST OPTIONS
INT ON MEMBERSHIP ( 1 ) INT ON NSF FEE 1-5 ( 1 ) INT START DB ( T )
INT ON INT ( 1 ) INT ON SVC ( 1 ) INT START CR ( T )
INT ON OVER LMT ( 1 ) INT ON INS ( 1 ) INT NEXT STMT ( A )
INT ON COLL FEES ( 1 ) INT ON RECOV FEES ( 1 ) INT ON LATE CHG ( 1 )
INT ON USER FEE 1 ( 0 ) INT ON USER FEE 2 ( 0 ) INT ON USER FEE 3 ( 0 )
INT ON USER FEE 4 ( 0 ) INT ON USER FEE 5 ( 0 ) INT ON USER FEE 6 ( 0 )
YEAR BASE ( 1 ) ACCRUAL METHOD ( A ) INTEREST ROUNDING ( 0 )
RATE TYPE ( V ) LIMIT INDICATOR ( 0 ) DCI Y 03121997
RATE INDEX TBL ( 150 ) CAP REDUCTION ( 9999999 ) CAP INCREASE ( 9999999 )
FLOOR RATE 1 ( 0640000 ) CEILING RATE 1 ( 9999999 )
FLOOR RATE 2 ( 0000000 ) CEILING RATE 2 ( 9999999 )
LMT1 ( 00999999999999999 )

CURRENCY 840 NOD 2 PER ITEM NOD 3 PERCENTAGE NOD 7

PF1=ARMU PF2=ARMF PF3=ARAR PF4=ARAI PF5=ARMI PF6=INQUIRY

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 11

 Interest Table
RATE TYPES
▲ F: Fixed - Base Rate
▲ T: Tiered - Based on balance Limit
▲ V: Variable - Variance Applied
▲ U: Tiered Variable - Tiers with variance applied
▲ Z: Zero Rate - Interest Free

RATE INDEX TABLE:

Is valid only when the Rate Type is V or U

LIMIT INDICATOR
0: Charge separate rates for balances within each limit
1: Charge rate at highest limit in which balance falls.

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 12

 Limit Indicator . . .

Rate I 1350000 Limit I 00000000000001000

Rate II 1150000 Limit II 00000000000002000
Rate III 0950000 Limit III 00000000000003000

If
N: 13.5 % to the first $1000
11.5% to the next $1000
9.5% to the last $500

Y: 9.5% to entire balance

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 13

 Interest Table
Floor Rate: Minimum allowable Interest for the credit plans using this
Interest Table

Ceiling Rate: Maximum Allowable Interest for the Credit Plans using
this Interest Table

LMT1: Balance limit for FLOOR RATE 1 and CEILING RATE 1

in whole monetary amounts. If you are using only FLOOR RATE 1
and CEILING RATE 1, enter 999999999 in this field. If you are
using both FLOOR RATE 1–2 and CEILING RATE 1–2, the value
of this field must be greater than zero.

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 14

 Interest Table Variance -
ARMR ( ) * USER DEFINED TITLE * PAGE 03 07/13/2004
INTEREST TABLE 00:56:58
ORGANIZATION 001 LOGO 000 TABLE 001 LAST MAINT 12/03/2002

INTEREST RATES - APR

RATE 1 ( 2000000 ) +/- ( + ) VAR ( 0000000 ) LMT ( 00999999999999999 ) ( 404 )
RATE 2 ( 0000000 ) +/- ( + ) VAR ( 0000000 ) LMT ( 00000000000000000 ) ( 404 )
RATE 3 ( 0000000 ) +/- ( + ) VAR ( 0000000 ) LMT ( 00000000000000000 ) ( 404 )
RATE 4 ( 0000000 ) +/- ( + ) VAR ( 0000000 ) LMT ( 00000000000000000 ) ( 404 )
RATE 5 ( 0000000 ) +/- ( + ) VAR ( 0000000 ) LMT ( 00000000000000000 ) ( 404 )
RATE 6 ( 0000000 ) +/- ( + ) VAR ( 0000000 ) LMT ( 00000000000000000 ) ( 404 )
RATE 7 ( 0000000 ) +/- ( + ) VAR ( 0000000 ) LMT ( 00000000000000000 ) ( 404 )
RATE 8 ( 0000000 ) +/- ( + ) VAR ( 0000000 ) LMT ( 00000000000000000 ) ( 404 )
RATE 9 ( 0000000 ) +/- ( + ) VAR ( 0000000 ) ( 404 )

CURRENCY 840 NOD 2 PER ITEM NOD 3 PERCENTAGE NOD 7

PF1=ARMU PF2=ARMF PF3=ARAR PF4=ARAI PF5=ARMI PF6=INQUIRY

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 15

 Rate Index Table

RATE INDEX TABLE

 Defined at the System Level

 Used when calculating variable rate

 Centralized Tables for Index Rates

 Pending Rate

 Rate Verification

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 16

 Rate Index Table
ARRQ ( ) *** USER DEFINED TITLE *** PAGE 01 07/09/2004
RATE INDEX TABLE 04:54:51
ORGANIZATION 000
SEL INDEX REVIEW DATE CURR RATE BEGIN DTE DESCRIPTION
LAST MAINT PEND RATE PEND DATE STATUS

( ) 150 07222003 0400000 08012003 MONTHLY PRIME - HB

07222003 A
( ) 160 06122004 0190000 05072004 HBUS 3MONTHCD
05062004 A
( ) 170 06122004 0400000 05072004 HBUS QUARTERLY PRIME
05062004 A
( ) 175 06272003 0400000 07012003 MTH PRIME - MTN WEST
06282003 A
( ) 180 07222003 0400000 08012003 MNTH PRIME/SUB-PRIME
07222003 A
( ) 190 12222000 MTH PRM/SUB PRM DLY
10252001 0950000 12222000 N
( ) 200 07222003 0400000 08012003 MONTHLY PRIME - LOC
07222003 A
( ) 225 06152004 0123875 06242004 LIBOR - LOC / DELAYD
06102004 A
CURRENCY 840 NOD 2 PER ITEM NOD 3 PERCENTAGE NOD 7
PF1=ARAN PF2=ARMN PF3=*TOP* PF4=*BOT* PF5=*BWD* PF6=*FWD*

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 17

 Usury Table
 Verify Actual Rate Against the Legal
standards

 Min/Max by PCT ID

 Default Rate for each ID

 Action to take when limit is exceeded

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 18

 Usury Table
ARSQ ( ) * USER DEFINED TITLE * PAGE 0107/09/2004
USURY TABLE 04:58:48
ORGANIZATION 000 DATE LAST MAINT 02/20/1997
ID USURY MINIMUM USURY MAXIMUM DEFAULT RATE INDICATOR
001 0000000 0000000 0000000 D
002 0000000 0000000 0000000 D
003 0000000 0000000 0000000 D
004 0000000 0000000 0000000 D
005 0000000 0000000 0000000 D
006 0000000 0000000 0000000 D
007 0000000 0000000 0000000 D
008 0000000 0000000 0000000 D
009 0000000 0000000 0000000 D
010 0000000 0000000 0000000 D
011 0000000 0000000 0000000 D
012 0000000 0000000 0000000 D
013 0000000 0000000 0000000 D
014 0000000 0000000 0000000 D
015 0000000 0000000 0000000 D
016 0000000 0000000 0000000 D
017 0000000 0000000 0000000 D
018 0000000 0000000 0000000 D
CURRENCY 840 NOD 2 PER ITEM NOD 3 PERCENTAGE NOD 7
PF1=ARMU PF2=ARQF PF3=ARQR PF4=ARSD PF5=ARQA PF6=ARMC

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 19

 Account Control Table

Interest Processing Parameters on Account Control Table -

▲ Grace Days
▲ Minimum Interest Parameters
▲ Cash and Retail Phantom Plans
▲ Disclosure Days
▲ Interest Accrual on Charge-off Accounts
▲ ITO Options
▲ Interest Ratification on Dormant Accounts

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 20

 Interest Processing Parameters
ARQY ( ) * USER DEFINED TITLE * PAGE 02 07/09/2004
ACCOUNT CONTROL TABLE 05:11:17
ORGANIZATION 001 LOGO 000 TABLE 026 LAST MAINT 06/26/2004
SEQ NBR 003 LAST MAINT BY VND106
PMT DUE DAYS 25 PMT DUE DATE 00 GRACE DAY BAL D
MINIMUM INTEREST 000000200 GRACE DAYS 25
MIN PYMT: AMT 000000025 PERCENT 0000000 IND 1
MIN INT WAIVE LVL A MAXIMUM AMOUNT 000000000
MAXIMUM BAL 00000000000000000

CASH LIMIT FLAG P % OR AMT 00000000001000000 CONS PMT PLAN 00000

LOAN LIMIT FLAG A % OR AMT 00000000000000000 CONS INS PLAN 00000
FEE DISCL IND 1 CASH PLAN 20001
FEE DISCL CYCLE 1 RETAIL PLAN 10001

CO ACCR INTEREST 0 SECURITY % 000

VAR RATE DISCL DAYS 000

IMMED DORMANT ACCOUNT RATIFICATION 0
ITO INTEREST OPTIONS 0
UPDATE PLAN 0

CURRENCY 840 NOD 2 PER ITEM NOD 3 PERCENTAGE NOD 7

PF1=ARMU PF2=ARMF PF3=*TOP* PF4=*BOT* PF5=*BWD* PF6=*FWD*

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 21

 Account Control Table
Grace Day Balance: Code that indicates which types of credit plans allow the Grace
Day Option
A=Cash, Retail, Loan plan types
B=Cash and Retail Plans
C=Cash Plan Types
D=Use the Grace Day Balance field on the Credit Plan Master (ARMC01)
E=Retail and Loan Plan Types
F=Cash and Loan Plan Types
L=Loan Plan Types
N=Do not use Grace Days
R=Retail Plan Types

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 22

 Account Control Table
Grace Days:
No of days from the cycle day the customer can pay the total beginning balance
without being assessed a finance charge on the prior cycle balance. The values are:
00-31 : Number of days (Default is 00)
99 : Next Cycle Date

Phantom Plans:
Identifies the Credit Plan Master Record used as the Default Cash and Retail Plan on
the account.

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 23

 Account Control Table

Minimum Interest –
Small amounts of Interest can be waived based on:
 Minimum Interest
 Minimum Interest Waive Level
 Maximum Amount
 Maximum Balance

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 24

 Account Control Table
ARQY ( ) * USER DEFINED TITLE * PAGE 02 07/09/2004
ACCOUNT CONTROL TABLE 05:11:17
ORGANIZATION 001 LOGO 000 TABLE 026 LAST MAINT 06/26/2004
SEQ NBR 003 LAST MAINT BY VND106
PMT DUE DAYS 25 PMT DUE DATE 00 GRACE DAY BAL D
MINIMUM INTEREST 000000200 GRACE DAYS 25
MIN PYMT: AMT 000000025 PERCENT 0000000 IND 1
MIN INT WAIVE LVL A MAXIMUM AMOUNT 000000000
MAXIMUM BAL 00000000000000000

CASH LIMIT FLAG P % OR AMT 00000000001000000 CONS PMT PLAN 00000

LOAN LIMIT FLAG A % OR AMT 00000000000000000 CONS INS PLAN 00000
FEE DISCL IND 1 CASH PLAN 20001
FEE DISCL CYCLE 1 RETAIL PLAN 10001

CO ACCR INTEREST 0 SECURITY % 000

VAR RATE DISCL DAYS 000

IMMED DORMANT ACCOUNT RATIFICATION 0
ITO INTEREST OPTIONS 0
UPDATE PLAN 0

CURRENCY 840 NOD 2 PER ITEM NOD 3 PERCENTAGE NOD 7

PF1=ARMU PF2=ARMF PF3=*TOP* PF4=*BOT* PF5=*BWD* PF6=*FWD*

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 25

 Example 1 – Account Level...

Min Int amt= .50 Acct Bal= 4.00

Waive Level= A Cal Int = .35
Max Waive= .25 Int assessed on
Amount the account = .50
Max bal = 5.00

If the calculated Interest is .15, then interest is waived!

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 26

 Example 2 – Plan Level

Min Int amt= .50 Plan Bal= 4.00

Waive Level= P Cal Int = .35
Max Waive= .25 Int assessed on
Amount the plan = .50
Max bal = 5.00

If the calculated Interest is .15, then interest is waived!

Each Plan is tested individually

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 27

 Interest Options
ARQY ( ) * USER DEFINED TITLE * PAGE 02 07/09/2004
ACCOUNT CONTROL TABLE 05:11:17
ORGANIZATION 001 LOGO 000 TABLE 026 LAST MAINT 06/26/2004
SEQ NBR 003 LAST MAINT BY VND106
PMT DUE DAYS 25 PMT DUE DATE 00 GRACE DAY BAL D
MINIMUM INTEREST 000000200 GRACE DAYS 25
MIN PYMT: AMT 000000025 PERCENT 0000000 IND 1
MIN INT WAIVE LVL A MAXIMUM AMOUNT 000000000
MAXIMUM BAL 00000000000000000

CASH LIMIT FLAG P % OR AMT 00000000001000000 CONS PMT PLAN 00000

LOAN LIMIT FLAG A % OR AMT 00000000000000000 CONS INS PLAN 00000
FEE DISCL IND 1 CASH PLAN 20001
FEE DISCL CYCLE 1 RETAIL PLAN 10001

CO ACCR INTEREST 0 SECURITY % 000

VAR RATE DISCL DAYS 000

IMMED DORMANT ACCOUNT RATIFICATION 0
ITO INTEREST OPTIONS 0
UPDATE PLAN 0

CURRENCY 840 NOD 2 PER ITEM NOD 3 PERCENTAGE NOD 7

PF1=ARMU PF2=ARMF PF3=*TOP* PF4=*BOT* PF5=*BWD* PF6=*FWD*
PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 28
 Account Control Interest Options. . .

CO ACCR INTEREST: Code that indicates whether to accrue interest

on charged-off accounts. The values are:

0 = Do not accrue interest (Default)

1 = Accrue interest.

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 29

 Account Control Interest Options. . .
ITO Interest Options:
Indicates whether CMS uses all parameters on the Interest table to which the ITO is
pointing or only certain parameters on the Interest table.

The values are:

0: Use only the RATE TYPE, RATE INDEX TABLE, FLOOR RATE,
CEILING RATE, CAP REDUCTION, CAP INCREASE, RATE 1–
9,VARIANCE 1–9, and LIMIT 1–8 from the ITO Interest table, and use all the
parameters from the normal Interest table associated with this plan.

1: Use all the parameters indicated on the Interest table to which the ITO is
pointing.

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 30

 Disclosure and Ratification

 Variable rate disclosure days = notification days of any rate change

 Notification period begins with the first statement after the rate
change becomes effective

 Dormant Account Ratification

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 31

 Disclosure and Ratification
ARQY ( ) * USER DEFINED TITLE * PAGE 02 07/09/2004
ACCOUNT CONTROL TABLE 05:11:17
ORGANIZATION 001 LOGO 000 TABLE 026 LAST MAINT 06/26/2004
SEQ NBR 003 LAST MAINT BY VND106
PMT DUE DAYS 25 PMT DUE DATE 00 GRACE DAY BAL D
MINIMUM INTEREST 000000200 GRACE DAYS 25
MIN PYMT: AMT 000000025 PERCENT 0000000 IND 1
MIN INT WAIVE LVL A MAXIMUM AMOUNT 000000000
MAXIMUM BAL 00000000000000000

CASH LIMIT FLAG P % OR AMT 00000000001000000 CONS PMT PLAN 00000

LOAN LIMIT FLAG A % OR AMT 00000000000000000 CONS INS PLAN 00000
FEE DISCL IND 1 CASH PLAN 20001
FEE DISCL CYCLE 1 RETAIL PLAN 10001

CO ACCR INTEREST 0 SECURITY % 000

VAR RATE DISCL DAYS 000

IMMED DORMANT ACCOUNT RATIFICATION 0
ITO INTEREST OPTIONS 0
UPDATE PLAN 0

CURRENCY 840 NOD 2 PER ITEM NOD 3 PERCENTAGE NOD 7

PF1=ARMU PF2=ARMF PF3=*TOP* PF4=*BOT* PF5=*BWD* PF6=*FWD*

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 32

 Example 1: Notification not Required

▲ Base rate change effective June 1

▲ Statement ratification

▲ Account statements on June 15

▲ New rate becomes effective when date rolls to June 16

▲ Rate change disclosed on June 15 statement

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 33

 Example 2: 60 Days Notification
 Base rate change effective June 1
 Statement ratification
 Account statements on June 15
 First notification of rate change on June 15 statement
 Second notification of rate change on July 15
 New rate becomes effective when date rolls to Aug 16
 Rate change disclosed on Aug 15 statement

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 34

 Dormant Account Ratification

IMMED DORMANT ACCOUNT RATIFICATION

To determine the interest rate when a dormant account is reactivated. The interest
rate to which the account is pointing may have changed since the account went
dormant.
The values are:
0= Use prior rate until new rate is ratified
(Default)
1= Use the new rate immediately.

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 35

 Interest Overrides

▲ Re-price an account

▲ Tailor rates to preferred customers

▲ Offer introductory rates

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 36

 ITO on Credit Plan Master
ARQC ( ) * USER DEFINED TITLE * PAGE 01 07/13/2004
CREDIT PLAN MASTER 00:07:25
ORG 001 PLAN NBR 10001 DATE LAST MAINT 04/12/2004
DESCRIPTION PURCHASES-1
PLAN TYPE R REQUIRED DOWN PMT A 0000000
RATE TBL OCCUR 01 MULTIPLE SALES I
BEGINNING DATE 00000000 ENDING DATE 00000000
BALANCE TRANSFER TYPE N INTEREST TABLE OVRRDE 005
GRACE DAY BALANCE Y ITO EXP D 002 00000000
MIN SALE 000000000 MAX SALE 000000000
SEQ-NBR 152 LAST MAINT BY VND087 POSTING INDICATOR 0
DEFER INT 002 1 00000000 2 PLAN ID
DEFER INS 000 0 00000000 0 RECORD COUNT IND 05
DFR BILL 000 0 00000000 PRODUCT CODE
DEFER PMT 000 0 00000000
CANCEL F / LVL / LTR - ST / PLAN 0 0 ABC 00 00000
EXPR / LTR / PLAN 0 ABC 00 00000
USER CD 1 000 USER CD 2 000 USER CD 3 000
USER CD 4 00000 USER CD 5 00000 USER CD 6 00000
PAYMENT OPTIONS - PAYMENT TYPE C
CONSOLIDATED PAYMENT Y
CONSOLIDATED STATEMENT N CONTROLLING PLAN 10001
CURRENCY 840 NOD 2 PER ITEM NOD 3 PERCENTAGE NOD 7
PF1=ARMU PF2=ARQG PF3=ARQI PF4=ARQF PF5=ARQX PF6=MAINT
PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 37
 Pricing Controls
ARQB ( ) * USER DEFINED TITLE * PAGE 03 07/13/2004
ACCOUNT BASE SEGMENT 00:02:05
ORGANIZATION 001 LOGO 001 ACCOUNT 0000004030106006482
RESIDENCE ID 008 ISSUANCE ID 274
PRICING CTRL 062 START DATE 07031997 EXPIRATION DATE 00000000
PCT LVL OVRRIDE O START DATE 07041997 EXPIRATION DATE 00000000
OWNERSHIP FLAG 0 OFFICER CRLIMIT IND
WAIVE: INT 1 LATE CHARGES 1 LATE NOTICES 1 MEMBERSHIP 1
LTR 0 OVERLIMIT FEE 0 OVLM NOTICE 1 NSF 1-5 1
SVC FEES: 1 1 2 0 3 0 4 0 5 0
6 0 7 0 8 0 9 0 10 0 CASH ADV FEE 0
USER FEES 1 0 2 0 3 0 4 0 5 0 6 0 CRD FEE 0
SKIP PAYMENT Z FREQ SHOP IND N FRAUD REPORT Y CASH LMT T
PREPAY ALLWD 0 PREPAY MTHS 00 PREPAY ZERO 0 LOAN LMT Y
DELQ CNTRS: PAST 045 30 DAY 029 60 DAY 023 90 DAY 013
120 DAY 008 150 DAY 002 180 DAY 001 210 DAY 000
24 MONTH HISTORY
01/13 02/14 03/15 04/16 05/17 06/18 07/19 08/20 09/21 10/22 11/23 12/24
DELQ 2 2 2 2 2 2 2 2 2 2 2 2
2 2 2 2 2 2 2 2 2 2 2 2
PYMT M M M M M M M M M M M M
M M M M M M M M M M M M

PF1=ARMU PF2=ARQE PF3=ARQN PF4=ARME PF5=ARMN PF6=MAINT

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 38

 Base Variance
ARMB ( ) * USER DEFINED TITLE * PAGE 04 07/09/2004
ACCOUNT BASE SEGMENT 05:45:15
ORGANIZATION 140 LOGO 201 ACCOUNT 0005215317138342488

RATE VARIANCES CURRENT PENDING EFFECTIVE

1 + 0000000 ( + 0000000 ) ( )
2 + 0000000 ( + 0000000 )
3 + 0000000 ( + 0000000 )
4 + 0000000 ( + 0000000 )
5 + 0000000 ( + 0000000 )
6 + 0000000 ( + 0000000 )
7 + 0000000 ( + 0000000 )
8 + 0000000 ( + 0000000 )
9 + 0000000 ( + 0000000 )
10 + 0000000 ( + 0000000 )
11 + 0000000 ( + 0000000 )
12 + 0000000 ( + 0000000 )

CHARGED-OFF ACCRUED INTEREST ( 0 )

DEFAULT CASH / RETAIL PLAN ( 20001 ) ( 10001 )
CONTROLLING PLAN OVERRIDE ( )
FIXED PAYMENT AMOUNT/PERCENT ( 00000000000 )

CURRENCY 840 NOD 2 PER ITEM NOD 3 PERCENTAGE NOD 7

PF1=ARMU PF2=ARIB PF3=ARIQ PF4=ARMN PF5=ARME PF6=INQUIRY

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 39

 Processing Hierarchy

Highest
Priority

CPM Interest Table Override

ARMB Pricing Ctrl or Level Override

ARMB Rate Variances

ARMB PCT ID

Lowest
Priority

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 40

 Deferring & Waiving
Method Location Used To
Credit Plan Master ARMC01 and ARMC02 Define Deferment type Plans
Deferment Options Waive Deferred Interest
Cancel deferments based on
Delinquency

Interest Table ‘INT NEXT ARMR02 Defer or waive Interest on new

STMT’ debits
Account Control Table ARMY02 Waive small amounts of
WAIVE MIN INT LVL Interest at the account or plan
level
Account Base Segment ARMB03 Waive interest on an individual
WAIVE INT FLAG account
Logo Block Code Matrix ARML07 and ARML08 Waive interest based on the
presence of a block on an
account
Cancel deferments based on the
presence of a block on the
account

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 41

 Questions……..

▲ Arrange the following in priorities to override the PCT on an

account
A. ITO Override
B. Pricing Control
C. AMBS Rate Variances

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 42

 Questions……..

Match each control record with its role in interest processing

Contains the RATE TBL OCCUR field, which specifies

Processing which RTOI position contains the number of the Interest
1 Control table A table to be used in calculating interest on the credit plan
Contains the actual parameters for calculating interest on
a credit plan, such as the balance subject to finance
2 Logo record B charges and the rate type
Is composed of PCT IDs and the numbers of their
Credit Plan associated Account Control, Service Charge/Fee,
3 Master C Insurance, and Interest tables
Contains the PROC CONTROL LEVEL field, which
determines the level of the Processing Control table to
4 Interest table D be used by the accounts

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 43

 Questions……..

▲ Bank X runs its business in V+. It is coming up with a new credit

card and wants to offer a special interest rate for the next 6
months of usage to its customers. In what way this can be
achieved?
A. Cannot be achieved
B. PCT LVL OVRRIDE on account base segment
C. ITO at Credit plan master
D. RTOI

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 44

 Questions……..

▲ Bank Y runs its business in V+. It wants to offer special interest

rates to Mr. John on all cash transactions he makes for coming 3
months. Keeping all other processing parameters the same, how
can this best be achieved?
A. Cannot be achieved
B. PCT LVL OVRRIDE on account base segment
C. ITO at Cash plan master
D. RTOI on Credit plan master
E. Pricing Control

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 45

 Questions……..

▲ Interest settings at the account level(ARQY) are as follows

 Minimum interest amount is $2.00,
 the waive level is A (Account level), and
 the maximum amount to be waived is $0.90.
If the system calculates $1.00 interest on the entire account, then the
interest of --------- will be assessed on the entire account.
If the system calculates $0.50 interest on the entire account, then the
interest of --------- will be assessed on the entire account.

PROPRIETARY & CONFIDENTIAL 12/19/23 18:57 46