A preview of enhancements to CU*BASE Mortgage Loans with the 360-Day Interest Calculation Type, coming in the CU*BASE 9.0 Release.

1. Making Payments on Mortgage Loans in CU*BASE Teller Processing A Preview of Coming Enhancements to CU*BASE Mortgage Loans with the 360-Day Interest Calculation Type Revised March 19, 2009

2. Scenario 1 Making a payment that is more than the regular payment amount

3. Making a payment that is more than the regular payment amount Payment amount being applied Regular payment amount (loan is not delinquent)

4. Making a payment that is more than the regular payment amount Member has two choices for applying the payment (This window will not appear at all if making the exact regular payment amount)

5. Making a payment that is more than the regular payment amount Transaction history showing the payment made

6. Making a payment that is more than the regular payment amount Secondary transaction description that will appear on the member’s statement

7. Making a payment that is more than the regular payment amount The second transaction shows the extra principal payment

8. Making a payment that is more than the regular payment amount The second transaction shows the extra principal payment

9. Making a payment that is more than the regular payment amount The receipt shows the two transactions being posted In effect, the receipt would be the same as a member payment coupon where the principal-only payment was broken out separately

10. Scenario 2 Making a mortgage payment before the Interest Calc Date (such as the 20th) (Account also has an attached escrow)

11. Making a mortgage payment before the Interest Calc Date Payment amount being applied Regular payment amount – payment for March has already been made

12. Making a mortgage payment before the Interest Calc Date Same choices as before, since the member is allowed to pay ahead on this loan

13. Making a mortgage payment before the Interest Calc Date Another way to see the transaction information is to use this Toggle button

14. Making a mortgage payment before the Interest Calc Date After toggling

15. Making a mortgage payment before the Interest Calc Date Full secondary transaction description that will appear on the member’s statement

16. Scenario 3 Making a principal-only payment

17. Making a principal-only payment Payment being made is less than the regular scheduled payment amount (including escrow, if applicable)

18. Making a principal-only payment Window confirms that a principal-only payment will be applied (No choices other than this because the amount is less than the regular payment amount.)

19. Making a principal-only payment Member’s statement will show the principal-only payment

20. Scenario 4 Making a payment on a delinquent loan

21. Making a payment on a delinquent loan This button will display a window with delinquency details All delinquent loans are highlighted on the teller posting screen Screen shows the amount needed to bring the loan current

22. Making a payment on a delinquent loan Delinquency information on this loan account

23. Making a payment on a delinquent loan Teller tries to make both the member’s delinquent and current payments at the same time

24. Making a payment on a delinquent loan The teller can back up and change the amount being applied CU*BASE warns that only one payment can be made at a time, or the remaining amount will be applied to principal

25. Making a payment on a delinquent loan Teller changes the amount of the payment being applied (Notice the cash back amount) Teller uses F11 to bring the cash-back balance forward and immediately return to this same member for the next transaction

26. Making a payment on a delinquent loan This screen is immediately displayed with the balance forwarded, and the same member account Teller can now enter the 2nd payment amount and post as usual (Notice the amount from the previous transaction)

27. Scenario 5 When a loan cannot be paid ahead

28. When a loan cannot be paid ahead Exact regular payment amount is being posted, but since the loan can’t be paid any further ahead, the entire amount will go toward principal

29. Making Payments on Mortgage Loans in It’s Me 247 Online Banking A Preview of Coming Enhancements to CU*BASE Mortgage Loans with the 360-Day Interest Calculation Type Prepared March 9, 2009

30. Scenario 1 Making a payment that is more than the regular payment amount

31. Making a payment that is more than the regular payment amount Member can see information about the loan by clicking on the account name (or they can just click the Transfer Money button as usual)

32. Making a payment that is more than the regular payment amount Notice the regular payment amount

33. Making a payment that is more than the regular payment amount The regular payment amount is filled in automatically...

34. Making a payment that is more than the regular payment amount ...but it can be changed to a different amount

35. Making a payment that is more than the regular payment amount Just like in CU*BASE, It’s Me 247 online banking will explain to the member exactly what will be done with the payment amount, giving the member two choices

36. Making a payment that is more than the regular payment amount

37. Making a payment that is more than the regular payment amount The transfers are shown immediately in the account details for the mortgage loan account, including the extra that was applied to principal

38. Scenario 2 Making a regular payment when a loan cannot be paid ahead

39. Making a regular payment when a loan cannot be paid ahead This time our member is making a regular payment amount, but the loan has already been paid forward as far as allowed

40. Making a regular payment when a loan cannot be paid ahead

41. Making a regular payment when a loan cannot be paid ahead The regular payment amount is still filled in automatically

42. Making a regular payment when a loan cannot be paid ahead The choices are different this time; since the loan can’t be paid ahead, the entire amount will be applied to principal, but the member could also cancel the transfer now and wait until next month

43. Making a regular payment when a loan cannot be paid ahead This link will help the member with questions about making mortgage payments online

44. Making a regular payment when a loan cannot be paid ahead After clicking the “Other Tips” link

45. Making a regular payment when a loan cannot be paid ahead Here are all of the available FAQs The answer to this one will change depending on whether or not this loan account can be paid ahead

46. Configuring for multiple participation partners by category Configurable day to calculate monthly interest amount to match PLP day of the month Can allow pay-ahead up to 9 periods to match PLP rule interpretation