Banking System Presentation

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The Deposit Management System is one of the products in our Deposit Management Suite Suite. It can seamlessly integrated with our Branch Delivery System or Tellering System …

The Deposit Management System is one of the products in our Deposit Management Suite Suite. It can seamlessly integrated with our Branch Delivery System or Tellering System

The Deposit Management System is the core application of the proposed system from our Company. It houses all major information such as Customer Information, Accounts, Products and performs major processes such as Inclearing, Interest Computation, Service Charging and Reports Generation.

Our Branch Delivery System provides the branches, the major interface to the Deposit Management System. Data stored in this application are mostly used for security, enabling the front-end system to perform transaction validations (i.e. Access rights and limits checking) before the actual transaction is forwarded to the Host.

Under the system, the bridge shall only act as a pass-through between the Branch Delivery System and the Deposit Management System.

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  • 1. Overview
    • Banking Cycle
    • Process Flow at Branch Level
    • Basic Features
      • Bank Products
      • Account Features and Restrictions
      • Transaction Set
      • End of Day Batch Process
      • Terminologies
  • 2. Banking Cycle Start of Banking Day Open Branch Process Transactions End-of-day Balancing Close Branch Process Inward Check End-of-day Batch Processing End of Banking Day Triggers the change of banking day Over the Counter and Other Financial Transactions Non-Financial Transactions Processing of Outward checks sent to Central Clearing Tellers Total, Cash in Vault, Review of validation slips Triggers the end of branch transactions Inward Return Inward Check Returned Check and Other Cash Items (RCOCI) Automatic Fund Transfer Service Charging Interest Computation and Posting TD Accruals, etc. Branch Delivery System Deposit Management System
  • 3. PROCESS FLOW (Branch Level) Open Branch Financial Transactions Back-Office and Non-Financial Transactions Late Check Processing Cashier/Teller prepare for Financial Transactions Teller PICOS In Process Over the Counter Transactions Teller Cash Transfer/Request Cashier/Teller End-of Day Balancing Teller PICOS Out Printing of Batch Reports Post Back-office Transaction GL Balancing Process Non-Financial Transactions Process Outward Check Send to Central Clearing Turnover of Validation slip Downloading of Data Bkpr End-of-day Balancing Close Branch
  • 4.
    • Current Account
      • Non-interest bearing
      • Checkbook-based
    • Savings Account
      • Earns interest
      • Passbook or ATM based
    • Time Deposit
      • Interest bearing deposit, Interest rates vary depending on the principal amount and term
      • Supported by certificate issued by the bank
      • Documentary stamp charge
    Common Bank Product
  • 5.
    • Current Account
      • Passbook-based
      • Earns interest
    • Time Deposit
      • Passbook-based
      • Withdrawable interest
      • One passbook with several placements
    • Automatic Transfer Arrangement
    New Product Features
  • 6. Account Features & Restrictions
    • Joint Account
      • “ OR” – an account opened by two or more person; ANY of the signatures is required.
      • “ AND” – an account opened by two or more person; ALL of the signatures are required.
    • Payroll Account / Account with Waive Charge
      • No below maintaining charge
    • Tax Exempt Account
      • Interest credited to the account will not have withholding tax
    • Limited to Cash account
      • Only cash deposits and withdrawals are accepted by the bank until the client’s identity has been established
  • 7. Transaction Set
    • FINANCIAL TRANSACTIONS
    • Cash Deposit
      • Allows the client to deposit cash to an account. Amount deposited is available for withdrawal
    • Check Deposit
      • On-Us Check - checks drawn against the same bank
      • Off-Us Check - checks issued by an account holder of another bank
      • (1) Local; (2)Regional; (3)Inter-regional; (4)Out of Town Checks
    • Withdrawal/Encashment
      • Allows the client to debit the transaction amount to his/her account as long as it is available
    • Debit /Credit Memo
      • Allows the bank personnel to debit or credit the transaction amount to an account without the use of cash or check
    • Fund Transfer
      • Pertains to a type of debit and credit that allows transfer of a desired amount from one account to another
  • 8. Transaction Set
    • TIME DEPOSIT TRANSACTIONS
    • TD Placements
      • Refers to the opening of time deposit account
    • Pre-termination
      • Withdrawal transaction made on the TD account prior to its maturity
    • Redemption
      • Withdrawal of the placement upon maturity
    • Renewal
      • A time deposit account that has matured and interest is paid out and the original principal is placed anew
    • Rollover
      • A time deposit that has matured and the interest forms part of the new principal
    • Maintenance of Interest Rate Bulletin
      • Update the interest rate based on term and principal amount
  • 9. Transaction Set
    • MISCELLANEOUS TRANSACTIONS
    • RECEIPTS
    • Bills Payment
      • This process is offered to institutions or companies to accept over the counter collections/payments on their behalf.
    • Manager’s Check Issuance
      • Checks drawn by the bank upon itself negotiated within the locality
    • Demand Draft Issuance
      • Written order by a branch addressed to and made payable to another branch outside the locality of the issuing branch
    • Bank Charges
      • Fees for the services offered by the bank
        • Checkbook Reorder
        • Counter check
        • Bank Deposit Certification
        • Safety Deposit Box Rental
  • 10. Transaction Set
    • Telegraphic Transfer
      • Refers to remittances from one branch to another branch but the client do not have any account with the branch where the funds are to be sent
    • Misc. Receipt (Others)
      • Refers to other services offered by the bank which are not part of the above itemized transactions
    • PAYOUTS
    • MC/DD Encashment
      • Encashment of issued MC/DD
    • Cash Disbursement
      • refers to reimbursements and payments for expenses incurred by the bank
    • ForEx Buy/Sell
  • 11. Transaction Set
    • ACCOUNT INQUIRY / MAINTENANCE
    • Account Balance Inquiry
    • Account Transaction Inquiry
    • Check Inquiry
    • Open Account
      • Allows the user to input account details of a client who wishes to open an account. A unique account number will be given for each account opened
    • Customer Information File (CIF) Maintenance
      • Allows the user to create and maintain personal information of the client. Account cannot be opened without linking it to a client ID
    • Account Profile Maintenance
      • Allows the user to update account details such as account name, account features/restrictions, etc.
    • Close Account
  • 12. Transaction Set
    • ACCOUNT INQUIRY / MAINTENANCE
    • Float Maintenance
      • Allows the user to increase/decrease or clear float days of a particular check deposited to the account
    • Place/Lift Hold
      • Allows the user to place/lift an account balance on hold; balance on hold cannot be withdrawn
    • Place/Lift Stop Payment Order (SPO)
      • Allows the user to place/lift SPO to a particular check; check with SPO status will not be processed.
  • 13. Transaction Set
    • OTHER TRANSACTIONS
    • Passbook Issuance
    • Checkbook Issuance
    • ATA Enrollment
      • A facility to define the source account(s) of an account with Automatic Transfer Agreement.
    • Teller Cash Transfer/Request
      • Cash Transfer to Vault
      • Cash Request from Vault
      • Teller to Teller Transfer
      • PICOS In
      • PICOS Out
    • Tellers Total
    • Electronic Journal
  • 14. Transaction Set
    • INCLEARING TRANSACTIONS
    • Inward Return
      • Handles the debiting of an account when a previously deposited check is returned by the drawee bank
    • Inward Check Processing
      • Manual Inward Check
      • PCHC Batch Processing
    • RCOCI Processing
      • Handles processing of accounts with insufficient balances or technically defective checks after posting of inward checks
    • RCOCI Maintenance
      • Pertains to processing of checks that are previously lodged to RCOCI.
        • Honored Check
        • Returned Check
          • Dishonored Check due to DAUD/DAIF
          • Dishonored Check Technically Defective
          • SPO - DAUD/DAIF
          • SPO – Funded
          • Close Account
  • 15. CONCEPT OF OUTWARD/INWARD CHECK Bank1 client issue a check (5,000) to a Bank2 Client Bank2 Client deposit the check to his Bank2 Account At clearing cut-off, Bank2 collates all check deposits Outward Checks (Bank2) will be sent to PCHC PCHC will segregate and send checks to corresponding banks Inward Checks (Bank1) sent by PCHC Inward Check Processing Check amount will be debited to the account balance Inward Return? YES End of Process, check will not be returned NO Bank1 will contact the client for RCOCI Disposition Lodged to RCOCI Honor Check? Debit the check amount including honor charge to the account YES NO Outward Checks (Bank1) will be sent to PCHC together with the Returned Checks DAY 1 DAY 2 Sufficient Balance? DAY 1 Outward Bank2 DAY 1 Inward Bank1 DAY 2 Outward Bank1 Inward Checks (Bank2) sent by PCHC DAY 2 Inward Bank2 Debit check deposited YES NO Day 3 , check will be cleared
  • 16. Transaction Set
    • ADMIN TRANSACTIONS
    • Open/Close Branch
    • Calendar Maintenance
      • Tagging of banking holidays
    • Bank/Branch Maintenance
      • Define the branch details including Clearing cut-off time, transaction amount threshold for Anti-Money Laundering, Local Currency, etc.
    • Vault Management
      • Used by cashier of the bank to process cash transfer/request to/from Cash Center, Bangko Sentral ng Pilipinas (BSP) or other branch.
    • Group and User Maintenance
    • Transaction Limits
    • Staff Limits
    • Audit Log
  • 17. Transaction Set
    • UTILITIES TRANSACTIONS
    • File Processing
      • (1)Store and Forward; (2)Late Check processing; (3) Payroll Processing
    • Data Download
      • ( 1)FoRex Rates; (2)Bank Charges
    • Back-up and Restore Facility
      • back-up and restore data
    • Parameter Set-up
      • Product Set-up
        • Product Details
        • Interest Computations
        • Product Charges
      • Transaction Set-up
        • Transaction codes and mnemonic
        • Effect on tellers total including the behavior of the transaction
  • 18. Transaction Set
    • REPORTS
    • ON DEMAND REPORTS
      • This pertains to reports that are available to users any time of the day and will reflect real time information and balances .
        • Processed SAF
        • Electronic Journal
        • Tellers Total
        • Branch Cash Position
        • Vault Transaction Journal
        • List of Accounts with Automatic Transfer Agreement
        • List of Accounts Exempted from Withholding Tax
        • List of Accounts Exempted from Below Minimum Charge
        • List of Accounts Limited to Cash
        • List of Dormant Account
        • List of Escheated Accounts
        • Bank Statement
        • Numerical Listing of Accounts
        • Alpha Listing of Accounts
  • 19. Transaction Set
    • INWARD CHECK REPORTS
        • List of Processed PCHC Inward Check for the Day
        • List of RCOCI
    • START of DAY REPORTS
        • List of Processed Late Checks
        • List of Maturing TIME DEPOSIT
        • List of Un-acted Matured TIME DEPOSIT
    • END of DAY REPORTS
      • Daily Batch Report
        • Daily Service Charge Report
        • Uncollected Service Charge Report
        • Place/Lift SPO for the Day
        • Place/Lift Hold/Garnish for the Day
        • List of Account with Float Adjustment for the Day
        • List of Reactivated Accounts for the Day
        • List of Terminated CTD/SSA for the Day
        • Posted Transaction Report (CASA/TD)
        • List of Late Checks Deposited for the Day
  • 20. Transaction Set
    • CONT. END of DAY REPORTS
      • … Daily Batch Report
        • Miscellaneous Transaction Report
        • Summary of Balances
        • CASA Trial Balance
        • List of Outstanding CTD/SSA
      • Weekly
        • List of Opened Accounts for the Week
        • List of Closed Accounts for the Week
        • List of Maturing CTD/SSA for the Week
      • Monthly
        • List of Outstanding Service Charges for Collection
        • Outstanding SPO
        • Outstanding Hold/Garnish
        • Outstanding MC/GC/DD
        • Monthly Accrual Report
        • Accounts Moved to Dormant/Escheat for the Month
        • Breakdown of Deposits
  • 21. END OF DAY BATCH PROCESS
    • Collection of uncollected service charges
      • process the debiting of uncollected charges to accounts
    • Automatic Transfer for Accounts with ATA
      • process the automatic funding to the receiver accounts with ATA that
      • falls below the required minimum maintaining balance
    • Accumulate Daily Balance
      • this process aggregates the accounts’ balance. The aggregate balance
      • shall be used in the computation of average daily balance and accrued
      • interest.
    • Compute / Post Interest
      • this process computes interest bearing accounts based on the defined
      • computation basis
  • 22. END OF DAY BATCH PROCESS
    • TD Interest Computation
      • Compute interest of all outstanding TD accounts
      • Compute for AIP, WTAX, interest expense of maturing CTD/FSD and book to the respective accounts.
    • Computation of Average Daily Balance
    • this process computes the average daily balance of each account based on the accumulated daily balance.
      • New Account – ADB for accounts opened during the month is computed as accumulated daily balances divided by the difference of the opening date and last calendar day of the month plus 1
      • Old Account – ADB is computed as accumulated daily balance divided by the calendar days of the month.
    • Accrued Interest Payable (AIP) Computation
  • 23. END OF DAY BATCH PROCESS
    • Below Minimum Service Charging
      • this process charges active and dormant accounts which fall below the
      • required minimum balance depending on the computation basis as
      • defined in the parameters unless exempted from service charges.
    • Reclassification to Dormant / Escheat
      • Dormant – All accounts that have been inactive as per bank-specified period of time shall be reclassified from active to dormant account status
      • Escheated – All accounts that have been dormant as per bank-specified period of time shall be reclassified from dormant to escheated account status.
    • Automatic Closure of Active and Dormant Zero Accounts
      • this process automatically closes active and dormant accounts with zero
      • balances for a bank specified period of time.
  • 24.
    • FLOATS ROLLDOWN PROCESS
    • A process that automatically decreases float days of check deposited to an account
    • Tuesday - Local Check Deposit
    • Tuesday End of Day batch processing, system performs floats rolldown
    • Tuesday End of Day batch processing, system performs the rest of batch processes
    END OF DAY BATCH PROCESS Date TranCd Debit Credit CurrBal AvailBal FltDay Mon 10000 10000 Tue LocChk 5000 15000 10000 2 Date TranCd Debit Credit CurrBal AvailBal FltDay Tue LocChk 15000 10000 1
  • 25.
    • FLOATS ROLLDOWN PROCESS
    • Wednesday - After open branch
    • Wednesday End of Day batch processing, system performs floats rolldown
    • Wednesday End of Day batch processing, system performs the rest of batch processes
    • Thursday - After open branch check deposited can be withdrawn
    END OF DAY BATCH PROCESS Date TranCd Debit Credit CurrBal AvailBal FltDay Wed LocChk 15000 10000 1 Date TranCd Debit Credit CurrBal AvailBal FltDay Wed 15000 15000 0
  • 26.
    • COMPUTATION OF AVERAGE DAILY BALANCE (ADB)
    • ADB is computed as accumulated daily balance divided by the calendar days of the month.
    • Accum Cur = ( 1000 * (jan 5 – jan 1)) + ( 6000 * (jan 10 – jan 5) + ( 7000 * (jan 31 – jan 10 + 1)
    • Accum Avail = ( 1000 * (jan 5 – jan 1)) + ( 6000 * (jan 12 – jan 5) + ( 7000 * (jan 31 – jan 12 + 1)
    • ADB based on Current Balance = 188000/31 6064.51
    • ADB based on Available Balance = 186000/31 6000.00
    END OF DAY BATCH PROCESS Day Trancd Debit Credit CurrBal AvailBal Accum Cur Accum Avail Jan 1 1000 1000 1000 1000 Jan 5 Cash 5000 6000 6000 10000 10000 Jan 10 LocChk 1000 7000 6000 41000 40000 Jan 12 7000 7000 55000 53000 Jan 31 7000 7000 188000 186000
  • 27.
    • ADB COMPUTATION VARIATIONS
    • Accounts opened during the month
    • ADB computed can be :
      • Accumulation / no. of days of the month
      • =134000/31
      • = 4322.58
      • Accumulation / no. of days from opening date
      • = 134000/15
      • = 8933.33
    END OF DAY BATCH PROCESS Day Trancd Debit Credit CurrBal AvailBal Accum Cur Accum Avail Jan 17 Cash 10000 10000 10000 10000 10000 Jan 20 Wdl 2000 8000 8000 38000 38000 Jan 31 8000 8000 134000 134000
  • 28.
    • ADB COMPUTATION VARIATIONS
    • With back-dated transaction
    • Posted Jan 10, backdated Cash Deposit of 4000 for Jan 8
    • Accum Cur = ( 1000 * (jan 5 – jan 1)) + ( 6000 * (jan 10 – jan 5)) + 11000
    • Adjusted Accum Cur = Accum Cur + (4000 * 2)
    END OF DAY BATCH PROCESS Day Trancd Debit Credit CurrBal AvailBal Accum Cur Accum Avail Jan 1 1000 1000 1000 1000 Jan 5 Cash 5000 6000 6000 10000 10000 Jan 10 LocChk 1000 7000 6000 41000 40000 Jan 10 Cash-BD 4000 11000 11000 45000 43000
  • 29.
    • SERVICE CHARGE COMPUTATION BASIS
    • Balance Type to Consider
      • Current Balance
      • Available Balance
    • Balance Computation Basis
      • ADB
      • Lowest Balance
    • Frequency of Charging
      • Monthly
      • Quarterly
      • Semi-Annual
      • Annually
    • Required Minimum Balance
    • Execution Cycle
      • Monthly
      • Quarterly
      • Annually
    END OF DAY BATCH PROCESS
  • 30.
    • Service Charge Computation Method
    • Fixed
      • Dormancy Service Charge = 25.00 per month
      • Below Minimum Service Charge = 100.00 per month
    • Rated
      • Pre-termination charges
        • Usually a percentage of the interest computed
    END OF DAY BATCH PROCESS
  • 31.
    • Service Charge Computation Method
    • Tiered
        • Base Charge = 50
        • Amount to be computed = 15000
        • Charge = 50 + 100 + 200
        • = 350
    END OF DAY BATCH PROCESS Lower Limit Upper Limit Charge 1000 10000 100 10000.01 100000 200 100000.01 Above 300
  • 32.
    • Service Charge Computation Method
    • Threshold
        • Base Charge = 50
        • Amount to be computed = 15000
        • Charge = 50 + 200
        • = 250
    END OF DAY BATCH PROCESS Lower Limit Upper Limit Charge 1000 10000 100 10000.01 100000 200 100000.01 Above 300
  • 33. END OF DAY BATCH PROCESS
    • Service Charge Computation Method
    • Multiple
      • RCOCI Charges
      • Base Charge = 2000 (1,000 for Issuer & 1,000 for Drawee)
      • Per Multiple = 40000
      • Per Day Multiple Charge = 200
    • 1 . Returned Check Issued = 15000
    • Charge = 2000 + 200
    • 2. Returned Check Issued = 55000
    • Charge = 2000 + (2 * 200)
    Within 40,000 Twice the 40,000 multiple
  • 34.
    • INTEREST COMPUTATION BASIS
    • Balance Type to Consider
      • Current Balance
      • Available Balance
    • Balance Computation Basis
      • ADB
      • Lowest Balance
    • Base Year to use in computation
      • 365
      • 360
    • Minimum lowest balance allowed for interest to be computed
    • Minimum ADB allowed for interest to be computed
    END OF DAY BATCH PROCESS
  • 35.
    • INTEREST COMPUTATION BASIS
    • Frequency of Interest Computation
      • Daily
      • Monthly
      • Quarterly
      • Annually
    • Frequency of Interest Posting
      • Monthly
      • Quarterly
      • Annually
    • Frequency of Interest Compounding
      • Monthly
      • Quarterly
      • Annually
    END OF DAY BATCH PROCESS
  • 36.
    • INTEREST RATE COMPUTATION METHOD
    • Fixed
    • Tiered
        • Base Rate = 1
        • ADB Computed = 15000
        • Rate= 1 + 1 + 2
        • = 4%
    END OF DAY BATCH PROCESS Lower Limit Upper Limit Add On Rate 1000 10000 1 10000.01 100000 2 100000.01 Above 3
  • 37.
    • INTEREST RATE COMPUTATION METHOD
    • Threshold
        • Base Rate = 1
        • ADB Computed = 15000
        • Rate= 1 + 2
        • = 3%
    END OF DAY BATCH PROCESS Lower Limit Upper Limit Add On Rate 1000 10000 1 10000.01 100000 2 100000.01 Above 3
  • 38.
    • INTEREST COMPUTATION CONSIDERATION
    • During accruals,
      • include the first day, exclude the last day OR exclude the first day, include the last day
    • Computation of Interest
      • Computed Daily
        • Daily Interest = (EOD Bal * Rate)/ Base year
        • MTD Interest = MTD Interest + Daily Interest
      • Monthly Computation
        • Monthly Interest = (Accumulated Daily Balance * Rate)/ Base year
    END OF DAY BATCH PROCESS
  • 39.
    • Automatic Transfer Agreement
    • Higher combined ADB requirement ( every ATA pair )
    • Source Account
      • One or more source accounts possible
      • Can be a source account to any number of destination accounts
      • Source account is usually a savings account
      • Debiting hierarchy
        • Debit according to highest available balance
        • Debit according to highest current balance
    • Destination Account
      • Usually a current account
      • Allows zero maintaining balance
      • Can not be used as a source account
    END OF DAY BATCH PROCESS
  • 40. END OF DAY BATCH PROCESS EXTRACTION OF NOBOOK ITEMS Date Trancd Credit Debit 1/15/08 NCSHDP 1000 1/16/08 NCHKDP 2000 1/16/08 NCSHDP 1000 1/17/08 NWDL 5000 1/19/08 NWDL 7000 1/25/08 NCSHDP 2000 Date Trancd Credit Debit 1/31/08 CMEXTR 6000 1/31/08 DMEXTR 12000
  • 41. TERMINOLOGIES
    • Banking Day – also referred to as business day or working day
    • Cut-off Time – time defined in the parameter set-up to determine if check deposited is still a regular check transaction or a late check transaction
    • Float Day – days before a check deposited becomes available/withdrawable
    • Late check – checks deposited today but exceeds the bank defined cut-off time; posted next banking day
    • Mode of payment – manner of payment used during transaction; can either be cash, on-us check, off-us check, debit to account or credit to account
  • 42. TERMINOLOGIES
    • Outward Checks – other bank checks deposited to a bank that will be forwarded to Phil Clearing House Corp (PCHC)
    • Inward Checks – checks issued by account holders of the bank deposited to another bank
    • No Book – over the counter transactions without presenting a passbook
    • Value Date – transaction that supposed to be for a previous banking day but was posted on the current banking day
    • DAUD – Drawn Against Uncollected Deposit
    • DAIF – Drawn Against Insufficient Funds
  • 43. TERMINOLOGIES
    • Account Status – refers to the status of an account defined by the bank
      • Active – an account with regular financial transaction
      • Dormant – an account that do not have financial transaction for 2 years
      • Escheat – an account that do not have transaction for 10 years
      • Closed – an account with zero balance; closing of an account can be triggered by an account holder or the bank.
  • 44. TERMINOLOGIES
    • Interest Type – manner of interest used for the interest computation of the account
    • Minimum Maintaining Balance – balance needed to be maintained in order not to have a below minimum service charge
    • Balance to Earn Interest – balance needed in order to earn an interest
    • Balance type – balance used in order to compute for the interest; also used to get the below minimum charge
      • Current Balance – refers to the total account balance
      • Cleared Balance = Available + Hold
      • Available Balance = Current Balance – Float – Hold
  • 45. TERMINOLOGIES
    • Computation Basis – refers to the manner used in computing the interest; also used to know if an account falls below the minimum balance. This is used together with the balance type
    • Average Daily Balance (ADB) = computed as Summation of Daily Balance over Number of calendar days
    • Lowest Balance – the lowest ending balance of an account for the month
    • Base Year – refers to the denominator to used in the interest computations can either be 360 or 365.
  • 46. TERMINOLOGIES
    • Tax rate – withholding tax deducted to products earning interest
    • Interest Rate – rate given to an account used for interest computation
    • Term – used for Time deposit placement; term defines the number of days of TD placements becomes matured.
    • Maturity Date – it is computed as the Placement date + Term days – 1
    • Bank/Service Charge – fees used across the system; charges/payment for bank services
  • 47.  
  • 48. FOR DEMO CONTACT DETAILS:
    • ANDREA “ANDI” YLAGAN CASTRO
    • (+63) 916 250 2503
    • (632) 515 06 46
    • andrea.castro888@yahoo.com.ph
  • 49. Company Rider 2010 All Rights Reserved
    • Associated Computers & Communications Enterprise reserves all rights in this presentation, including all creative contents, from concept development to copy, artworks and all its related applications. No parts of this presentation may be used without the full written consent of the Company.
    • This presentation is intended only for the individual or entity to which it is addressed and may contain information that is privileged, confidential and exempt from disclosure under applicable law. If in the event that you have taken possession of this presentation, inadvertently or otherwise, you are hereby notified that any usage, dissemination, distribution or copying of this communication is unlawful, and you are requested to please notify us by telephone: (632) 515-0646.
    • Thank you for your cooperation.