MANUAL OF WORK

Organizational Effectiveness and Hard Skills Training
Vithya Sivathason, A/R Recovery Officer
Financial Services
Training Manual
& Work

Manual of Work in ARO Inc.
A/R Recovery Officer
Copyright © 2020 by Vithya Sivathason
Published by Vithya Sivathason
Content cannot be photocopied, reproduced and distributed in any form electronically or stored in any
retrieval system or any other mechanical means, or transmitted in any other way without permission of
the Publisher.
This content is fictious pertaining to the following list: Client Bill Savings Calculators Theories and
Content, Payment Plan Calculator Rules, Regulations and Payment Standards, Offer Agreement
Calculator Payment Rules, Standard and Conditions and Management of Spreadsheet with Automatic
Entries and Alert Systems Created for Accounts, Management of Open Desk and Content in addition any
resemblances to actual person’s situations is entirely coincidental.
Copyright © 2020 by Vithya Sivathason
Revised 2020
All Rights Reserved
Written and edited by Vithya Sivathason

TABLE OF CONTENTS
Page
1. Offer Agreement
1.1 Introduction…...………………………………………………………………………...7
1.2 Offer Agreement………………………………………………………………………..7
1.2.1 Introduction………………………………………………………………..…7-8
1.3 Priority Offer Agreement…………………………………………………………….…8-17
1.3.1 Priority Rule Options……...………………………………….…...................17-25
1.4 Preferential Offer Agreement………………………………………………….………..25-33
1.4.1 Preferential Rule Options..……………………………………..…………….33-41
1.5 Excluded Agreements……………………………………………………………….….41-42
2. Client Bill Benefits/Savings
2.1 Introduction………………………………………………………………………..........43
2.2 Methodology & Approach…………………………………………………….………..43-44
2.3 Findings – Comparing & Contrasting……………………………………….………….44-45
2.4 Client Bill Savings Calculator…………………………………………………………..45-46
2.4.1 Priority Offer Agreement……………………………….……………………46-63
2.4.2 Preferential Offer Agreement….……………………………………………..63-81
2.4.3 Optimum Savings Option…………………………………………………….81-90
3. Payment Plan Calculator
3.1 Introduction………...…………………...………………………………………………91
3.2 Findings – Factors Affecting Payment Agreement..……………………………………91
3.2.1 Charges ……………………..……………………………………..................91
3.2.2 Assignment Date..………………...………………………………………….91-92
3.2.3 Temporary Hold (Alternative Agreement)………………….......................... 92
3.2.3.1 Next Payment Date ……………………………………………….92
3.2.3.2 Hold Date………………………………………………………….92
3.2.4 Payment Due Date…………………………………………………………... 92
3.3 Payment Plan Analysis
3.3.1 Case 1 Analysis….………………………………………...…………………92-108
3.3.2 Case 2 Analysis……..…………………………………...…………………...108-22
3.3.3 Case 3 Analysis…………...………………………………...………………..122-55
3.3.4 Case 4 Analysis………………….…………………………..……………….155-63
3.3.5 Case 5 Analysis…………………..…………………………..……………....163-71
3.3.6 Case 6 Analysis………………………..………………………..……………172-77
3.4 Exceptions and Features
3.4.1 Hold Date…………………………………….………………………………177

3.4.1.1 Alternative agreement……………….…………………………….177
3.4.1.2 Payment Date….……………….………………………………….177
3.4.2 Next Payment Date……………………………….………………………….177
3.4.3 Preferential Payment……………….…………….……………......................177-78
4. Tracking Accounts on Spreadsheet
4.1 Definitions………………………………………………………………………………178
4.2 Types of Automatic Entries……………………………………………………………. 178-79
4.2.1 Differentiating Accounts………....…………………………………………..179-80
4.2.2 Reworking Accounts……………………………………………………… 180
4.2.3 Extended Agreed Date vs. Deadline Hold Date………………….…………..180
4.2.4 Past Extension Deadline Accounts………………………………………….. 180
4.2.5 Non-Payment Entries………………………………………………………...181
4.2.5.1 Contacted Accounts……………………………………………….181-82
4.2.5.1.1 Forming Agreements………………………………….. 182
4.2.5.1.2 Extension Deadline vs. Past Extension Deadline……....182-83
4.2.5.2. Alternative Payment Accounts………………………………….. 184-85
4.2.5.2.1 Extended Agreed/Hold Deadline……………………….185-86
4.2.5.2.2 Past Extension Deadline Accounts……………………..187-88
4.2.6 Payment Entries………………………………………………………………188
4.2.6.1. Payment Plan Account……………………………………………188-90
4.2.6.2. Extended Agreed/Hold Deadline…………………………………190-91
4.2.6.3. Past Extension Deadline Accounts……………………………….192-93
4.2.6.4. Future Payment Accounts………………………………………...193-94
4.2.6.5. Reworking Accounts…………………………………………….. 194-96
4.2.6.4.1. Extended Agreed/Hold Accounts………………………196-97
4.2.6.4.2. Past Extension Deadline Accounts.……………………198-99
4.2.6.4.3. Payment in Full Accounts……………………………...199-00
4.2.7 Organizing Entries………………………………………………......200
4.3 Organizing/Arranging Accounts………………………………………………………..200
4.3.1. Arranging by Date…………………………………………………..200-02
4.3.2. Arranging by Account Rating………………………………………202-03
4.3.3. Arranging by File Number………………………………………….203-04
4.3.4. Refining Organization………………………………………………204-05
4.4 Reviewing Time Entries……………………………………………………...................206-07
4.4.1. Payment Agreement & Time Entries……………………………….207-08
4.4.2. Other Dates & Time Entries………………………………………...208
4.4.3. Extended Agreed/Hold Deadline……………………………………208-09
5. Alerts & Notifications…………………………………………………………………………….209

5.1 Past Extension Deadline Accounts…………………………………………………….. 209-10
5.1.1 Warning & Next Payment……………………………………………………210-11
5.3 Reworking Accounts……………………………………………………………………211
5.3.1 Notifications & Next Payment……………………………………………….211-12
5.3 Needs Agreement Accounts…………………………………………………………….212-13
5.3.2 Warning & Next Stages…………………………………………...................212-13
5.2 Extended Agreed/Deadline Hold Date………………………………………………….213
5.3.2 Warning & Next Stages…………………………………………...................213-15
5.4 Offer Accounts………………………………………………………………………….215
5.4.1 Warnings & Notifications ………………………………………...................215
5.5 Payment in Full Accounts………………………………………………………………215-16
5.5.1 Warnings & Notifications……………………………………………………215-16
6. Open Desk Management……………………………………………………………………….…216
6.1 Methodology and Approach…………………………………………………………….216
6.2 Findings…………………………………………………………………………………216
6.2.1. Payments Received………………………………………………………….216-17
6.2.1.1 Filtering Issue Multiple Payment Factors…………………………217
6.2.2. Client Bill Savings Calculator……………………………………………… 218
6.2.3. Deadline Factor: File Assigned…………………………………………….. 218-19
6.2.4. Internal Factor: Contact Ability……………………………………………..219
6.3 Overview and Analysis…………………………………………………………………219
6.3.1 Alert System………………………………………………………………… 219-20
6.3.2 Automatic Entries…………………………………………………………… 220
6.3.3 Procedure……………………………………………………………………. 220-21
6.4 Automatic Entries Savings & Benefits………………………………………………… 221
6.4.1 Case 1 Analysis: Several Benefits………………………………………….. 221
6.4.1.1 All Benefits with No Credit……………………………………….221-22
6.4.1.2 No Free Service/Discount Credit………………………………… 222-23
6.4.2 Case 2 Analysis: Moderate Benefits…………………………………………224-25
6.4.2.1 Two Charges………………………………………………………225
6.4.2.2 Exceptional Cases…………………………………………………225-26
6.4.2.3 No Free Service/Discount Credit………………………………… 226-27
6.4.3 Case 3 Analysis: Some Benefits……………………………………………..227-28
6.4.3.1 One Charge………………………………………………………..228
6.4.3.2 Exceptional Cases…………………………………………………228-29
6.4.3.3 No Free Service…………………………………………………... 229-30
6.4.4 Case 4 Analysis: Limited Benefits………………………………………….. 230-32
6.5 Problem: Arranging and Organizing Charges…………………………………………. 232-34

6.5.1 Payments Received…………………………………………………………..234
6.5.2 Deadline Factor: File Assignment……………………………………………234-35
6.6.1 Alert System: File Assignment………………………………………………235-53
6.6.2 Notifications for Payments Received……………………………………….. 253-64
6.6 Organization Account Information……………………………………………………..264-68
6.6.1 Organization Payments Received……………………………………………264-67
6.6.2 Contact Ability……………………………………………………………… 267-68
6.6.3 Other Features………………………………………………………………. 268
6.7 Transition from Open Desk to Personal Desk…………………………………………. 268-69
6.7.1 First Step: Using Calculators…………………………………………………269
6.7.1.1 Offer Calculator………………………………………………….. 269
6.7.1.2 Savings Calculator……………………………………………….. 269-74
6.7.1.3 Payment Plan Calculator…………………………………………..275
6.7.2 Second Step: Transfer from Open Desk to Personal Desk…………………..275
7. References……………………………………………………………………………………….. 276
7.1 Software Reference……………………………………………………………………..276

INTRODUCTION
It is important to understand about what is going on in terms of charges, fees, billing statements and any
suggestions, questions, issues on one’s account to provide them the best plausible solutions. It is
important to note that going through these methods one should know that they were not implemented or
used and were highly upgraded ideas and creations that cannot be copied without permission.
OFFER AGREEMENT
Introduction
An Offer Agreement (ARO Inc., 2020) can help reduce cost, expenses, manage bills and optimize savings
on their billing statement to ensure we can close their file. This allows one can save money and reduce
their expenses in the long run. There are Two Offer Agreements one is 25% off and another is 50% off
with rare instances of between amounts (ARO Inc., 2020). But is this the right approach looking at Offer
Agreements as categories of 25% or 50%? What do we do with the other percentages? We would need to
make sure that one has reached the Optimization Outcome of one’s account while incorporating the fact
that one has expenses, bills and to reduce cost on the charges for one’s account. This is useful when one
sees this with Benefits they receive on File, meaning that one can receive Benefits on their Termination
Fee, Cancellation Fee and Unpaid Balance for the charges on their account along with Free Service on
their Monthly Charges and Credits on their Past Charges. We will discuss that in the next section. Thus,
we can create a system in which the Optimization Outcome can be reached. We need to make sure one
can Optimize their Savings and also reduce cost to reach the Optimization Outcome of one’s account. It is
important that one can make sure to give an Offer Agreement for one’s account with their Optimal
Savings as a checkpoint. Thus, we can create an Offer Agreement for this, we can call it the Priority Offer
Agreement which allows for Priority Optimal Savings on their Billing Statement. We can also create
another system in which one can have Preferential Savings on their account. Thus, in this system we can
enter their Preferential Outcome of their Offer Agreement, in that the result is their Preferential Savings.
Thus, we can create a Preferential Offer Agreement where one can have Alternative Preferential Offer
Savings on their Account for one’s Billing Statement. We can also look at how much payments or terms
one can do on their file. Thus, is it really enough for one to consider an Offer Agreement referencing the
categorized percentages of 25% and 50% off their charges with full payment today or 50% down today on
one’s spreadsheet without an efficient widespread usable database (ARO Inc., 2020)? What do they get
from those Categorized Offer Agreements? What about the Terms? How many terms are applicable for
each case? Where are the Conditions on the Spreadsheet? Do we know if the Conditions Apply? Does one
know if they are eligible for their Offer Agreement or Payment Plan? How about the Timeframe,
Restrictions, Limitations on Tight Deadlines, Payment Due Date, and are their any reasonable down
payments to follow through with Flexible Payment Rules, Regulations and Standard and Guidelines on
one’s account? We would need to create a calculated widespread usable database system that incorporates
all of this meaning it consists of their Designated Payment Due Dates, Restrictions, Timeframe, Payment
Rules Standards and Regulations and Terms that apply on their account.

Figure 1: Offer Agreement Calculator. This is a General Snapshot of the Offer Calculator and shows the
Amount Due, Terms, Conditions, Offer Amount, Savings, Payment Today and Closing Amount Figures.
Thus, it is important one would understand what the individual would need so that they can approve their
Priority or Alternative Offer Agreement at the most Reasonable Cost. We need to make sure we can close
their account by maximizing the Optimization Outcome for their Account. Thus, we need not determine
these values for their Priority Optimal Offer Agreement or Alternative Preferential Offer Agreement and
can choose what one can have for the maximization of their Optimization Outcome to occur on one’s
account. To maximize this value for one’s account we can start off with stating their Priority Optimal
Offer Agreement with their Priority Optimal Offer Savings. This we can either choose on our own given
their charges or what we can do is refer to our Savings Calculator and find out what values are their
Optimum Savings that allows one to receive Benefits on their Charges. Then it looks like one can give
them Flexible Payment Agreement options where one can do this on their own terms where one would
have a choice in making either one payment or two payments to close off their account. We can even
align some Payment Standards, Rules and Regulations on their account and restriction in which one can
make a payment given the dates. Thus, one can state to put a down payment of 50% today (ARO Inc.,
2020) and the Next Closing Amount. We can also be more flexible in that one can put down 10% today or
even 20% today which is what is depicted here under Other. We will go through all of that when going
through all of the options depicted on this Offer Agreement Calculator.
In taking this Offer Agreement one would need to know that this is a Conditional Offer. Thus, there are
conditions that do apply in utilizing or continuing Services with their Service Provider in which they have
these charges for. Thus, we would need a through understanding of the Services that they are using to
create such conditions for one’s account. We will go into all of that in the next section, however, for now
these conditions will be created with those concepts. Thus, to continue using Services with their Service
Provider due to Port in Offers or for the following reasons: Prepaid Visas, Credits, Discounts – Free Line
Service or Lines Discounted, Handset Discounted or Free Device Charges they must payoff their account.
Priority Offer Agreement
An Offer Agreement is for one paying off their accounts on the same day or two payments (ARO Inc.,
2020). However, this improvised Offer Agreement is for one interested in paying off their account in a
designated timeframe in that they are able to reduce cost, expenses and manage bills while receiving

Priority Optimal Savings off the charges on their account. Thus, one can increase the Optimization
Outcome on one’s account. As one can see they will have different timeframes to payoff their Offer
Agreement. This is based on a set deadline and given timeframe (ARO Inc., 2020). We will also look at
some established Payment Rules on their accounts.
Figure 2: This depicts what happens when an account has charges that is $783.29. As you will notice with
the first option for their Offer Amount we can see the Conditions, Savings and terms are either 1 or 2.
They have a designated rule to follow on their account and they can follow this at their own terms, and
they can pay the Offer Today or put down 50% today and pay the remaining 50% as their next payment.
You can also see that they have a Designated Payment Due Date here and it looks like here it shows that
it is for 2020-10-20.
Figure 3: This depicts what happens when an account has charges that is $783.29. As you can see with the
first option the Conditions, Savings and Terms remain consistent. They have a designated rule to follow

on their account and they can follow this at their own terms, and they can pay the Offer Today or put
down 50% today and pay the remaining 50% as their next payment, regardless of timeframe. You can
also see that they have a Designated Payment Due Date here and it looks like here it shows that it is for
2020-10-13.
first option the Conditions, Savings and Terms remain consistent. They have a designated rule to follow
on their account and they can follow this at their own terms, and they can pay the Offer Today or put
down 50% today and pay the remaining 50% as their next payment, regardless of timeframe. You can
also see that they have a Designated Payment Due Date here and it looks like here it shows that it is for
2020-10-06.
first option, we can see here their Conditions and Savings remain consistent. However, you will notice

that there are restrictions of payments towards their account as ones terms have changed and have only
one payment to fulfill all of this when changing their Assignment Date. You can also see that they have a
Designated Payment Due Date here and it looks like here it shows that it is for 2020-09-30.
Figure 6: In this snapshot it demonstrates what happens when the charges are $156.83 cents. Just like
before the Offer Amount shows their Conditions, Savings and terms that are either 1 or 2. They have a
designated rule to follow on their account and they can follow this at their own terms, and they can pay
the Offer today or they can put down 50% today and then pay the remaining 50% as their next payment.
And here we can see that they have a Due Date assigned to them as it states the charges are due by the
following date, 2020-10-20.
before the Offer Amount shows the Conditions, Savings and terms which remain consistent. They have a

the Offer today or they can put down 50% today and then pay the remaining 50% as their next payment,
regardless of timeframe. And here we can see that they have a Due Date assigned to them as it states the
charges are due by 2020-10-13.
before the Offer Amount shows the Conditions, Savings and Terms which remain consistent. They have a
the Offer today or they can put down 50% today and then pay the remaining 50% as their next payment,
regardless of timeframe. And here we can see that they have a Due Date assigned to them as it states the
charges are due by 2020-10-06.

before the Offer Amount states their Conditions, Savings which remain the same etc. Here we can see that
there are restrictions of payments towards their account and the terms have change in that one has only
one payment to fulfill all of this when changing their Assignment Date. And here we can see that they
have a Designated Due Date assigned to them as it states the charges are due by 2020-09-30.
Figure 10: The amount that is showing here is $95.32. However, not like before here it shows that they do
not qualify for the offer agreement as the charges are too low on their account. And you can also see here
that it says no conditions and there are no terms that are applied here. You can also see that the conditions
at the bottom of the calculator have disappeared. We can also see that their Due Date has been stated as
Payment Plan. This is because one would need to follow through with their Designated Payment Plan
Agreement and follow through with the rules provided and also their Designated Payment Plan
Agreement Date to pay off their charges.

Payment Plan, regardless of timeframe. This is because one would need to follow through with their
Designated Payment Plan Agreement and follow through with the rules provided and also their
Designated Payment Plan Agreement Date to pay off their charges.

Figure 14: In this illustration it shows the amount is $34.56. However, by putting this amount just like
before they would not qualify, but also they must pay the full amount due to the charges being very small
and we can see here that one would need to do that by the given date which is stated above as the Day of.

and we can see here that one would need to do that by the given date which is stated above as the Day of,
regardless of timeframe.

Priority Optimal Rule Options
It is important to one understands that not all individuals will payoff their accounts in one payment within
the designated timeframe and due date with their Priority Offer Agreement even if one is receiving
Priority Optimal Savings and better yet Optimum Savings off their charges. They may even be reluctant
to do this on their own terms in doing two payments with a down payment or putting down 50% today.
Although once again we would not reach Optimization Outcome for their Account, we can go ahead and
choose our Rule Option where one can do this on their own terms in that they have choice that allows one
to put down 10% or 20% today with their second payment to close off their account.

Figure 18: This snapshot shows that the amount is $783.29. Here, as before we can see the Offer Amount,
Savings, Terms, Conditions etc. They are also to follow as Designated Rule on their account and they can
follow this at their own terms, in that they can pay the Offer Today or they are allowed to put down 10%
and pay the remaining 90% as their next payment. We can also see that they have a designated Payment
Due Date in order to fulfill this and it looks like it is 2020-10-20.
and pay the remaining 90% as their next payment, regardless of timeframe. We can also see that they
have a designated Payment Due Date in order to fulfill this and it looks like it is 2020-10-13.

and pay the remaining 90% as their next payment, regardless of timeframe. We can also see that they
have a designated Payment Due Date in order to fulfill this and it looks like it is 2020-10-06.
Savings, Terms, Conditions etc. However, what is different here is that there is restrictions of payments
towards their account as it looks like the Terms have changed and it has been stated that one needs to do
this on one payment when changing their Assignment Date. It also looks like they must pay the Offer
Agreement by the Given Date that is stated above as shown in the Figure as 2020-09-30.
Figure 22: This illustration shows the amount is $156.32. And just like before it shows the Conditions,
Offer Amount, Savings, Terms etc. However, what is different here is that the rule applied is not to put
down 10% today but what we had done here is we put a restriction on their account, however, they can

follow this at their own terms, in that they can put down 20% today and pay the remaining 80% as their
next payment. We can also see here that their Designated Payment Due date is stated as follows as above
which looks to being 2020-10-20.
next payment, regardless of timeframe. We can also see here that their Designated Payment Due date is
stated as follows as above which looks to being 2020-10-13.

next payment, regardless of timeframe. We can also see here that their Designated Payment Due date is
stated as follows as above which looks to being 2020-10-06.
Offer Amount, Savings, Terms etc. You will also notice that one has restrictions of payments towards
their account when changing their Assignment date and the terms have changed as they are now required
to fulfill all of this in one payment. And in this example, they must pay the Offer Agreement by the given
information above. Thus, one must pay by the date that is stated as follows.
Figure 26: Here we can see that one would not be eligible to get the Offer Agreement as one does not
qualify for their offer when the amount is at $95.32. You will also notice that it says Payment Plan. Thus,

one has no choice but to take the Payment Plan Agreement to close their file and they would need to refer
to their Payment Plan Agreement according rules and dates to close their file.
one has no choice but to take the Payment Plan Agreement regardless of the changes in their Assignment
Date to close their file and they would need to refer to their Payment Plan Agreement according rules and
dates to close their file.

Figure 30: As we move on to our next case you will notice that when changing the amount to $34.56 that
one would have to pay off all the charges. And it looks like here it states that their Due Date is the Day of
that they must pay off all the charges.

that they must pay off all the charges regardless in the changes of their Initialization Date.
that they must Pay all their charges regardless in the changes of their Initialization Date.

one would have to pay off all their charges. And it looks like here it states that their Due Date is the Day
of that they must pay all their charges regardless in the changes of their Initialization Date.
Preferential Offer Agreement
The Alternative Preferential Offer Agreement is for individuals who are interested in paying off their
accounts in a designated timeframe with the given timeframe on their account and allows one to control
how one reduces cost, expenses and manages their bills while receiving Alternative Preferential Savings
off the charges on their account. Thus, we can enter a Preferential Outcome to get the Preferential Savings
on one’s account. However, there are restrictions in that we are to Designate them their Payment Rules
and Regulations and their Designated Dates as before in their Priority Optimal Offer Agreement in the
previous examples.

Figure 34: The amount showing here is $783.29. Again, it shows the Conditions, Terms, Offer Amount
etc. We can enter the amount for their Preferential Optimization Outcome as $600.00. However, if you
looking at the savings it is a bit more in this scenario as it is the Highest Offer. You will also notice that
one needs to do this with the rules that are designated on their account meaning they have a choice or they
can do this on their own terms meaning as to whether they would like to take the Offer Agreement at 50-
50 rule otherwise can pay this off Today. And you will also notice their Due Date for the Offer
Agreement has been stated above in this figure and it shows to being 2020-10-20.
etc. However, if you looking at the savings it is a bit more in this scenario as it is the Highest Offer. You
will also notice that one needs to do this with the rules that are designated on their account meaning they
have a choice or they can do this on their own terms meaning as to whether they would like to take the
Offer Agreement at 50-50 rule otherwise can pay this off Today., regardless of Assignment Date. And
you will also notice their Due Date for the Offer Agreement has been stated above in this figure and it
shows to being 2020-10-13.

etc. However, if you looking at the savings it is a bit more in this scenario as it is the Highest Offer. You
will also notice that one needs to do this with the rules that are designated on their account meaning they
have a choice or they can do this on their own terms meaning as to whether they would like to take the
Offer Agreement at 50-50 rule otherwise can pay this off Today, regardless of Assignment Date. And you
will also notice their Due Date for the Offer Agreement has been stated above in this figure and it shows
to being 2020-10-06.
etc. However, if you looking at the savings it is a bit more in this scenario as it is the Highest Offer.
However, what is different here is that one has Restrictions of payments towards their account and the
terms are designated as one payment when changing the Assignment Date. And you will also notice that

they have a Restricted Due Date that has been stated above in this figure and it shows to being 2020-09-
30.
Figure 38: The amount showing here is $156.32. Again, like in the previous Figure, it shows the
Conditions, Terms, Offer Amount etc. However, if you looking at the savings it is a bit more in this
scenario as it is the Highest Offer. When we take a look at their Offer Agreement one would need to
follow the designated rules and it looks like they can do this on their own terms meaning they have a
choice in taking the Offer Agreement following the 50-50 rule otherwise can pay the Offer Agreement
Today. You will also notice that one has a designated payment due date on their file to pay off these
charges and it looks like it is 2020-10-20.

Today, regardless of timeframe. You will also notice that one has a designated payment due date on their
file to pay off these charges and it looks like it is 2020-10-13.
Today, regardless of timeframe. You will also notice that one has a designated payment due date on their
file to pay off these charges and it looks like it is 2020-10-06.

scenario as it is the Highest Offer. When we take a look at their Offer Agreement you will notice that
there are Restrictions of payments towards their account as ones terms have changed and they are to
fulfill all of this in one payment when changing the Assignment Date. Instead they are given a designated
payment due date on their file to pay off these charges and it looks like it is 2020-09-30.
Figure 42: The amount depicted here is $95.32. However, because the charges are very low just like the
previous figure with the Priority Offer Agreement the amount does not qualify for this Offer Agreement.
We can also see here that one’s due date is different and that one’s due date states Payment Plan. Thus,
one would need to follow through with their Payment Plan Agreement.

previous figure with the Priority Offer Agreement the amount does not qualify for this Offer Agreement
regardless of Assignment Date. We can also see here that one’s due date is different and that one’s due
date states Payment Plan. Thus, one would need to follow through with their Payment Plan Agreement.
previous figure with the Priority Offer Agreement the amount does not qualify for this Offer Agreement.
We can also see here that one’s due date is different and that one’s due date states Payment Plan
regardless of Assignment Date. Thus, one would need to follow through with their Payment Plan
Agreement.
previous figure with the Priority Offer Agreement the amount does not qualify for this Offer Agreement

regardless of Assignment Date. We can also see here that one’s due date is different and that one’s due
date states Payment Plan. Thus, one would need to follow through with their Payment Plan Agreement.
Figure 46: The amount that is shown in this illustration is $34.56. And because these charges are very low
here we see that they must pay the charges in full. We also do see here that it says their Due Date is
assigned as the Day of to pay the full changes.
assigned as the Day of to pay the full changes regardless of Assignment Date.

Preferential Rule Options
It is important to one understands that not all individuals will payoff their accounts in just one payment
within the designated timeframe and due date with the Alternative Preferential Offer Agreement even if
they are receiving Alternative Preferential Savings off their charges. They may even be reluctant to do
this on their own terms in doing two payments with a down payment or putting down 50% today.

Although, once again we would not reach Optimization Outcome for their Account, we can go ahead and
choose their Rule Option where they can do this on their own terms in that they have choice to put down
10% or 20% today depending on the charges on one’s account.
Figure 50: In this snapshot the amount is $783.29. The Conditions, Offer Amount Terms etc. have been
shown. However, Savings just like before are much higher with the Highest Offer given. We can enter the
amount for their Preferential Optimization Outcome as $600.00. They also have designated rules to
follow however, they have a choice and can do this on their own terms and put down 10% today and 90%
as their next payment as what we have shown here. We can also see here that they have a Designated Due
Date to fulfill all of this and it looks like it is given above as 2020-10-20.
shown. However, Savings just like before are much higher with the Highest Offer given. They also have
designated rules to follow however, they have a choice and can do this on their own terms and put down

10% today and 90% as their next payment as what we have shown here regardless of timeframe. We can
also see here that they have a Designated Due Date to fulfill all of this and it looks like it is given above
as 2020-10-13.
shown. However, Savings just like before are much higher with the Highest Offer given. They also have
designated rules to follow however, they have a choice and can do this on their own terms and put down
10% today and 90% as their next payment as what we have shown here regardless of timeframe. We can
also see here that they have a Designated Due Date to fulfill all of this and it looks like it is given above
as 2020-10-06.
shown. However, Savings just like before are much higher with the Highest Offer given. You will notice
that there are no rules that are applied here and are given restrictions to payments towards their account

when changing their Assignment Date and the terms have changed to full all of this in one payment.
Instead what we have done is that they are given this Designated Due Date to fulfill all of this and it looks
like it is given above as 2020-09-30.
Figure 54: In this snapshot the amount is $156.32. The Conditions, Offer Amount, Terms etc. have been
shown as in the previous figures. However, Savings just like before are much higher with the Highest
Offer given. They also have designated rules to follow, however, can do this at their own terms as they
are to put down 20% today and 80% as their next payment as it states above. We can also see here in this
figure that they are given a designated timeframe to fulfill all of this and it looks like it is 2020-10-20.
are to put down 20% today and 80% as their next payment as it states above regardless of timeframe. We

can also see here in this figure that they are given a designated timeframe to fulfill all of this and it looks
like it is 2020-10-13.
are to put down 20% today and 80% as their next payment as it states above, regardless of timeframe. We
can also see here in this figure that they are given a designated timeframe to fulfill all of this and it looks
like it is 2020-10-06.
Offer given. You will also notice that there are restrictions of payments towards ones account in that their
terms have changed and they are to fulfill this in one payment when changing their Assignment Date.

Instead what we do see here is that one would have to pay the Offer Agreement by the Designated Date
above which is 2020-09-30.
Figure 58: Here we can see that when changing the amount to $95.32 that one would not qualify for their
Offer Agreement. You will also notice that it says Payment Plan as their Due Date. That is because one
has no choice but to take the Payment Agreement Offer and to follow through with the rules and dates
that are given by their Designated Payment Plan Agreement.
that are given by their Designated Payment Plan Agreement regardless of their timeframe.

Figure 62: As we move on to our next example here, we can see when changing the amount to $34.56 that
one would have to pay off all the charges. It also states as their Due that one would need to do this by the
Date that is provided which looks like it is the day of.
one would have to pay off all their charges. It also states as their Due that one would need to do this by
the Date that is provided which looks like it is the day of regardless of timeframe.

Excluded Agreements
There are some instances when an Offer Agreement cannot be made as one’s account cannot be fully
discharged. This is because their Optimization Outcome will be a value of zero which is not possible on
ones account. We will go through one example of this instance.

Figure 66: When entering an amount of $2030.00 and also clicking on the Optimization Option and
inputting their Optimization Outcome as zero percent we can see here that we cannot calculate anything
further as one cannot provide them with an Offer Agreement.
Figure 67: We are now looking at the Alternative Preferential Savings Option. Thus, when entering an
amount of $2030.00 and entering an amount for their Offer Optimization as zero to get their Preferential
Savings, we can see here that one cannot provide them with an Offer Agreement. You will notice they
give us the Optimization Outcome as zero percent as it is not possible for one to receive an Offer
Agreement.

CLIENT BILL BENEFITS & SAVINGS
It is important that one does understand the charges, fees etc. on one’s account in order to fully
understand how it is applicable to the Offer Agreement. That is where the Client Bill Benefits/Savings
Calculator which was created in order to give us an understanding and breakdown of the charges on the
billing statement. We can increase and maximize the Optimization Outcome in that one will understand
what Benefits and Coverage one can get from their determined Priority Optimal Savings and Alternative
Preferential Savings. We can also determine these values that determine their Optimum Savings given
their charges and fees on their account. Thus, we can utilize an important factor which is value in the
charges using Benefits and Coverage on these different fees, charges etc. Thus, the more Benefits and
Coverage one can receive the more value created in the Priority Optimal Offer Savings and Secondary
Preferential Savings and the higher their Optimization Outcome for one’s account. This is just an idea that
I had come up with for the purposes of understanding their Priority Optimal Savings and Secondary
Preferential Savings for the charges on their Billing Statement and in no way can this idea or postulate be
copied duplicated, enhanced or used in any form or way for monetary or promotional gains.
Introduction
There are many Charges, Fees on a Billing Statement that one needs to understand. There are such fees
such as termination fees, cancellation fees, monthly bill charges, service change charges, long distance
charges, data overage charges. They can also receive discounts or subsidy on their devices and are given a
discount for a length of time, they can also receive loyalty credits while being with a Service Provider for
designated period of time and they are even given credit adjustments on their accounts for the following
reasons: poor service, charges that were disputed etc. (Citrix Receiver, 2020).
Methodology & Approach
How we can go about these different charges and fees? Well, these charges and fees can be easily
analyzed by breaking it down into its components. We can see some fees and charges are related to their
devices or phones and some fees and charges are related to the services and lines that they are using (S&P
Data, 2019). It will be specified on their billing statement whether it was for the services that they are
using or their device (S&P Data, 2019).
Some fees and charges are related to the phones and devices and they maybe charged because they were
on a contract for their phone for a designated timeframe and were either charged because they were
supposed to pay the remaining terms on their contract and were charged accordingly to the rates that were
specified by their Service Provider (S&P Data, 2019). Sometimes, they were charged because they had to
Return their Device or Equipment back to their Service Provider (S&P Data, 2019). The fees are specified
in detail as to pertaining to the Device or Equipment that was to be returned (S&P Data, 2019). Most of
the time this is not understood by the individual and it is important to have a good understanding of these
problems in order to find out the best plausible solutions for their account.
Finally, there are some fees and charges that are related to the Services that they are using and the amount
of lines that one has (Citrix Receiver, 2020). There are some accounts that do not only use one line but
also use many lines or is a Multiline Account (Citrix Receiver, 2020). Some fees and charges are based on
monthly bill charges and different add-on services (Citrix Receiver, 2020). The specified charges are
stated on their bill and it indicates what their Service Plan is, the amount of Service they are to be using
and also indicates if they have used Services that were not related to what they had paid for (Citrix
Receiver, 2020). It will also indicate information about how many lines that one is using on one Account
because it can be a multiline account (Citrix Receiver, 2020). For e.g. sometimes they maybe charges that
are related to long distance calling, however, this was not related to the Services they had paid for (Citrix
Receiver, 2020). They may also be charged for overuse of services for e.g. Data Overages charges (Citrix

Receiver, 2020). Thus, for this reason itself there would be misunderstanding of how Services are charged
and rates are charged.
And finally, there is a certain payment date they are to be paying for the services that they used (Citrix
Receiver, 2020). In this case they were charged next month for the Services that they used in the previous
month (Citrix Receiver, 2020). Therefore, the statement that is shown will be given a month ahead of the
billing cycle (Citrix Receiver, 2020). For e.g. the services that were used in June will be on the Billing
Statement on July.
Findings – Comparing and Contrasting
Knowing all of the different charges and fees we can see that one can be very dissatisfied of being
charged for the above reasons. That is why it is very important to be on top of their Billing Statement and
be ready for any responses that you maybe receiving such as not knowing why they were charged this,
payments that they have made etc. (S&P Data, 2019). It is also important as to knowing why they were
charged in order to understand why Services were cancelled or when they had left to go to another
preferable Service Provider (S&P Data, 2019).
The significance of knowing the statement periods and billing periods can let you know why they were
charged in that particular period and if they had made that payment for that particular billing period (S&P
Data, 2019). Sometimes they had changed providers or ported out in the middle of the billing cycle and
were charged pro-rated which are calculated day by day (S&P Data, 2019). Sometimes they did not pay
for the last month of Services when they had moved to another Service Provider (Citrix Receiver, 2020).
We would have to verify with the Billing Statement.
It is also important to check the different plans and add-on services that they are using to verify why they
were charged for that month. Sometimes they were changed to another Service Plan because their current
promotion has expired and now, they are on a new Service Plan (S&P Data, 2019). Or sometimes while
this happens, they had decided to go on another Service Plan because they did not like the Service Plan
that was given after the promotion has expired (S&P Data, 2019). Therefore, they could be charged a
Service Change Charge (Citrix Receiver, 2020) and will not understand this until you can verify what has
happened on their Billing Statement. It may also be the case that they were charged a Service Change
charge (Citrix Receiver, 2020) for the reason that they had decided in changing their plan before the
billing cycle has ended. It will let you know when the change happened and the new dates of their billing
cycle (Citrix Receiver, 2020). You will see the start and end date of their billing cycle has changed and
they may receive another bill for the previous Service Plan they were on along with the new Service Plan
that particular month (Citrix Receiver, 2020). This is a little bit more complicated in that they are
receiving two bills for the reason that the previous month’s service will appear in the next months billing
cycle along with the initialization of the new Service Plan Billing Statement (S&P Data, 2019).
And finally, we can look into their phones and devices and differentiate the charges and fees. Sometimes
they are to receive a subsidy or discount on their device (S&P Data, 2019). However, because of
cancellation of services they are charged for the remaining terms without the discount on their device.
This is due to their legal contracts they had signed about the given phone contract, the amount of terms in
their contract, receiving any applicable discount for the timeframe and on a given device (S&P Data,
2019). However, if they cancel their phone contract early, they will lose that discount they were receiving
on their device (S&P Data, 2019). It may also be the case where an individual decided to switch their
device or sometimes called swapping devices while receiving the same discount on that device (S&P
Data, 2019). However, it sometimes happens when doing that they would lose the discount as they were
to be on a discount with their original given device (S&P Data, 2019). It is also possible that they had
decided to return their device and was charged a fee for that and this would be categorized as a Device
Fee associated with any incurring cost with the handling of this device (S&P Data, 2019). This is notified
by their Service Provider before the process in returning their devices along with receiving any equipment

that helps them in returning their devices (S&P Data, 2019). All those dates have been reviewed and they
were notified when all of this was to occur (Citrix Receiver, 2020).
Client Bill Savings Calculator
Thus, from what was mentioned we can use this information and create something that can allow us to
understand what the Priority Optimal Offer Savings and Alternative Preferential Savings is and the
breakdown of the Charges, Fees etc. First, one would need to refer to our billing statement for one to
receive the different charges and fees (Citrix Receiver, 2020). We need to find out the best way to
maximize their Optimization Outcome and their added value factor. That is why I had come up with this
Client Bill Savings Calculator and their different functions for their associated charges and fees. It could
be preferential to remove the Termination Fees and give them Free Service on their Monthly Recurring
Charges or just to remove their Unpaid Balance. We can look at these from the following cases below.
We can analyze the Termination Fees and Cancellation Fees to assign them Free Service and a Credit on
their Account on Fixed Offer Agreements for 25% off on one area of one’s spreadsheet (not a widespread
usable database) and in another area of one’s spreadsheet (not a widespread usable database) observing
what happens 50% off their charges and assigning them Free Service and a Credit on their Account (ARO
Inc., 2020). This practise is very inefficient and spacious. What about the Unpaid Balance? And why are
the Termination Fees and Cancellation Fees grouped together to assign them Free Service on their
Monthly Charges and a Credit on their Past Charges. What about Other Offer Agreement Amounts? What
are their Optimum Savings, Priority Optimal and Preferential Savings? And what if we want to look at
one charge at a time including their Unpaid Balance? And how does one go about Free Service on their
Monthly Charges? Are there Restrictions to receive Free Service on their Monthly Recurring Charges
when one receives Optimum Savings? Thus, we can create one working calculated widespread usable
database system with all of this considered. We would need to consider all factors on their Billing
Statement in order to assign them these Benefits and Savings. We would also need restrictions for one’s
Optimum Savings and Preferential Savings that allows one to receive Benefits with the different Fees and
Balances that have Coverage. Thus, the most accurate and effective way of looking at this phenomenon is
separating all of this meaning that separating all of the options for one Optimum or Preferential Savings
that allow one to receive their benefits. This would incorporate the fact one decides that they do not have
a preference whether they would like to focus on the Unpaid Balance, the Termination Fee or
Cancellation Fee on one’s account. Then one would decide the restrictions on one’s account if there is
overlap on their Optimum or Preferential Savings that allows Benefits and Coverage. That is why this is
very important that one considers to look at all factors as equal and as important and not just grouping
them and selectively choosing two charges to make sure that the one Optimum or Preferential Savings
allows one to be satisfied with their Benefits to can close their account. Thus, one should provide them
with the best possible outcome for their account balances and charges. How do we go about this? We can
also look at the Priority Optimal, Optimum and their Preferential Savings to obtain the Optimization
Outcome for one’s account to designate their Benefits and Coverage for the charges on their Account.
Thus, we can input a value for their Optimal or Preferential Savings to receive Benefits on their account
to maximize their Benefits on their Charges, Fees, Balances to be received with the Optimization
Outcome Value. We can also use our Bill Savings Calculator to determine their Optimum Savings that
allows certain Benefits and also does not permit, gives restrictions and limitations for one to receive
Benefits on one’s account.
Therefore, it is important that one has a strategic approach in how to do this? We can do this by looking at
their bill and finding out all of these Fees and Charges and make a criteria, and then utilize it to we
believe would meet their needs. However, we need to make sure this criteria is doable and manageable for
themselves and also it works out for their account and it is accurate. We will go into some examples of
what all of this means and some exceptional cases as well when we take a look at the difference Fees and
Balances that one has on their Account. These exceptional cases take into account all factors that are

considered here on our Calculator to ensure that their Optimal or Preferential Savings gives hold to
Benefits that are reasonable and suitable for the needs of ones account. You will see this later on when we
go through our Bill Savings Calculator.
Priority Offer Agreement
Here we are going to look at some examples of what it would look like when one is interested in our
Priority Optimal Savings for their Priority Offer Agreement. We will enter in a percentage amount for
their Optimization Input to receive their Priority Optimal Savings for their Priority Offer Agreement.
Then, we will go through a series of cases and review what it would look like for them in receiving the
Benefits and Coverage on their charges. It is important that one has all the necessary options for one’s
account so that they would like to close their file on time.
Figure 68: Here we see that one would receive All Benefits on their charges meaning they are receiving
benefits on their Termination Fee, Cancellation Fee and Unpaid Balance. However, one cannot receive
Free Service as one is covered with their Unpaid Balance and also cannot receive a Discount Credit as
one is receiving benefits on their Termination and Cancellation Fees.

Figure 69: In this example one is getting Benefits and Coverage on two of their charges meaning that they
are getting Coverage on their Cancellation Fee and Unpaid Balance. And it looks like it is one of the
exceptional rules that apply here. You will also notice that one will not receive Free Service on their
Monthly Recurring Charges with Coverage on their Unpaid Balance regardless of Fee Amount and is also
to receive a Credit on their Past Charges.
Figure 70: As we move on to another example, we can see that one would get coverage on their
Cancellation Fee and their Unpaid Balance. However, it looks like one would not receive Free Service on
their Monthly Recurring Charges as they are receiving Coverage on their Unpaid Balance regardless of
Fee Amount and is also to receive a Loyalty Credit on their Past Charges.

Figure 71: When looking at this example we can see that one would receive Benefits on their Termination
Fee and Unpaid Balance. However, you will notice that one does not receive Free Service on their
Monthly Recurring Charges as one has Coverage on their Unpaid Balance and need not this Benefit
regardless of Fee Amount and is also to receive a Loyalty Credit on their Past Charges.
Figure 72: Here we can see one would receive Benefits on their Termination Fee and Unpaid Balance and
once again these benefits are provided on two of the charges. We can also see it covers another exception
to our most basic rules. We can also see with this example that one does not get Free Service on their
Monthly Recurring Charges as one is covered with their Unpaid Balance regardless of Fee Amount and is
also to receive a Credit on their Past Charges.

Figure 73: When we look at this example, we can see that one is covered by two of the charges and one
receives Benefits and Coverage on both of their Fees meaning their Termination and Cancellation Fee.
And it looks like one of the exceptions again with our most basic examples. We can see one is also
getting Free Service on their Monthly Recurring Charges as one’s Unpaid Balance is not covered and also
a Credit on their Past Charges.
Figure 74: As we move forward to our next example you will notice that one would receive Benefits on
their Fees meaning their Termination Fee and Cancellation Fee. However, it looks like one would not
receive Free Service on their Monthly Recurring Charges and this is simply due to their Fee Amount
regardless of Coverage of their Unpaid Balance and is also to receive a Credit on their Past Charges on
their Account.

Figure 75: When we look at this example here we notice that one would receive Benefits on their Fees
meaning their Termination Fees and Cancellation Fees. However, when looking at their account you will
also notice that one would not qualify for a Discount Credit on their Past Charges regardless of Fee
Amount as ones account does have Fee Coverage. Thus, they will receive a Loyalty Credit instead.
Figure 76: You will notice here when entering a new amount for the charges and the Offer Agreement
changes and the Monthly bill that one is receiving benefits on their Termination and Cancellation Fee and
you will also see that one is to receive a Loyalty Credit on their Past Charges on their account and
however, it shows that one does not qualify for a Discount Credit on their Past Charges.

Figure 77: When we look at this example you will notice that one is receiving Benefits on their
Termination Fee and Unpaid Balance. Here we can see something a bit more different though. When
one’s amount is the same as the previous figure and the Offer Agreement, we can see that one is eligible
for a Discount Credit on their Past Charges as all Fees do not have Coverage.
Figure 78: As we move on to this example, we can see here that one is receiving Benefits on their
Termination Fee and Unpaid Balance. However, ones account will not receive a Discount Credit as one’s
account does not qualify for this Benefit anymore regardless of Termination and Cancellation Fee
Coverage and will receive a Loyalty Credit on their Past Charges.

Figure 79: When looking at this next case here with one of our exceptions to the rules. We can see that
one’s account receives Benefits on their Termination Fee and their Unpaid Balance. However, one’s
account will not receive Free Service on their Monthly Recurring Charges and this is because one is
receiving Coverage on their Unpaid Balance regardless of Fee Amount. They will also receive a Loyalty
Credit on their Past Charges.
Figure 80: Looking at this next example you will notice that one is to receive Coverage and Benefits on
their Termination Fee and Unpaid Balance. You will also notice that one is not eligible to receive Free
Service on their Monthly Recurring Charges as ones Unpaid Balance has Coverage already. They will
also receive a Loyalty Credit on their Past Charges.

Figure 81: As we take a look at this case here we can see that one is going to receive benefits on their
Cancellation Fee and Unpaid Balance. And it looks like one is not able to receive Free Service as one
cannot receive Free Service on their Monthly Recurring Charges with Coverage on their Unpaid Balance.
They will also receive a Loyalty Credit on their Past Charges.
Figure 82: We are now looking at this example and it looks like one is still receiving benefits on their
Cancellation Fee and Unpaid Balance. However, it looks like one is not able to receive Free Service on
their Monthly Recurring Charges and this is because one is receiving Coverage on their Unpaid Balance
regardless of Fee Amount. They are also to receive a Loyalty Credit on their Past Charges.

Figure 83: As we move on to our next example we can see that one is receiving benefits on their
Termination Fee and their Cancellation Fee. However, it does look like here that one is receiving Free
Service on their Monthly Recurring Charges as one is not receiving Coverage on their Unpaid Balance.
They are also to receive a Loyalty Credit on their Past Charges.
Figure 84: When we look at this next example here you can see that one will receive benefits on their
Fees being their Cancellation and Termination Fees. However, one does not receive Free Service on their
Monthly Recurring Charges and this is simply based on the Fee Amounts and therefore only receive a
Credit on their Past Charges regardless of coverage on their Unpaid Balance. They are also to receive a
Loyalty Credit on their Past Charges.

Figure 85: As we move on to this next example, we can see that one would receive Benefits on their
Cancellation Fee so it looks like there is only Benefits on one of the Charges. And it also looks like one
cannot receive Free Service on their Monthly Recurring Charges based on the Fee amount on their
account but will receive a Loyalty Credit.
Figure 86: When we look at this example it looks like one would receive benefits on their Cancellation
Fee. And if you analyze it closely when slightly changing the amounts it looks like one would now
receive Free Service on their Monthly Recurring Charges. This is because one is not receiving Coverage
on their Unpaid Balance and therefore will receive this Benefit. They will also receive a Credit on their
Past Charges.

Figure 87: Here in this example we can see that one would receive benefits on their Unpaid Balance.
However, if we look at this closely you will notice when the amount is slightly changed that one will still
not receive Free Service on their Past Charges. And this is because one has Coverage on their Unpaid
Balance so therefore will not receive this benefit no matter the Balance Amount. They will also receive a
Figure 88: When we look at this example you will notice that one is receiving Benefits on their Unpaid
Balance and nothing more than that. We can also see that one would not receive Free Service as one’s
account does not allow them to receive Free Service on their Monthly Recurring Charges when ones
Unpaid Balance has Coverage. They will receive a Credit on their Past Charges.

Figure 89: With this example here, we can see that one has Coverage on their Termination Fee and
nothing more than that and we can also see here that one would not have Free Service on their Monthly
Recurring Charges due to the Fee Amount on their account and will receive a Credit on their Charges.
Figure 90: Here what we do see here is that one has Coverage on their Termination Fee and nothing more
than that and we can also see here that when changing the amount slightly we can see that now they have
Free Service on their Monthly Recurring Charges and this is with the changes in their Fee Amounts and
also because one has no Coverage on their Unpaid Balance they will also receive a Credit on their
Charges.

Figure 91: Here it looks like one is to receive benefits on their Cancellation Fees on their Account. And it
looks like one does not receive Free Service on their Monthly Recurring Charges. And this is simply due
to the Fee Amount that one is charged for on their account and therefore do not receive this benefit
regardless of Coverage on their Unpaid Balance. They will also receive a Credit on their Past Charges.
Figure 92: You will see here that this is one of our more basic cases and that one will receive Coverage on
their Cancellation Fee and however, they will receive Free Service on their Monthly Recurring Charges
and gets Free Service on their Monthly Recurring Charges and will also receive a Loyalty Credit on their
Past Charges.

Figure 93: You will see here our second most basic cases with one charge and that one receives Benefits
and Coverage on their Unpaid Balance. And it looks like they are not to receive Free Service on their
Monthly Recurring Charges as one cannot receive this on their Unpaid Balance as we see here and only
receives a Loyalty Credit on their Past Charges.
Figure 94: When we look at this example here we can see that one would receive benefits on their Unpaid
Balance. However, they will not receive Free Service regardless of the amount and this is because they
are receiving Coverage on their Unpaid Balance. They will also receive a Loyalty Credit on their Charges.

Figure 95: Here we can see that one is receiving Benefits on their Termination Fee. However, it looks like
one will not be receiving Free Service on their Monthly Recurring Charges and this is simply because of
the Fee Amount regardless of their Coverage on their Unpaid Balance. They are also to receive a Loyalty
Figure 96: As we move on to our next example here, we can see that one would receive Benefits and
Coverage on their Termination Fee and we can see that one can receive Free Service on their Monthly
Recurring Charges as one’s Termination Fee is receiving Coverage. They are also to receive a Credit on
their Past Charges.

Figure 97: With this next example we can see that one would receive Benefits and Coverage on their
Unpaid Balance. However, it does look like one is not receiving Free Service on their Monthly Recurring
Charges and this is because it looks like the Balance and Amount do not allow one to receive this Benefit
and also because one’s account has Coverage on their Unpaid Balance. They are also to receive a Loyalty
Figure 98: When we look at this example we can see that one would receive benefits on their Unpaid
Balance. Here, you will also notice that one will not receive Free Service on their Past Charges and this is
because one is already receiving Coverage on their Unpaid Balance and need not this Benefit. They are
also to receive a Loyalty Credit on their Past Charges.

Figure 99: As we move forward with our next example, we can see here that one would receive benefits
on their Termination Fee. And we can also see here that they do not receive Free Service on their Monthly
Recurring Charges. This is because of their Fee Amount and therefore, even though they do not have
Coverage on their Unpaid Balance will not receive this Benefit. They are also to receive a Loyalty Credit
on their Past Charges.
Figure 100: When we look at this example here, we can see that one would receive Benefits on their
Termination Fee only. And it also looks like one would also receive Free Service on their Monthly
Recurring Charges and this is because one is Receiving Benefits on their Termination Fee. They are also
to receive a Loyalty Credit on their Past Charges.

Figure 101: Here we can see that one would be receiving Benefits on their Cancellation Fee and it also
looks like on one’s account that they are eligible to receive Free Service on their Monthly Recurring
Charges as ones account’s Cancellation Fee has Coverage and a Loyalty Credit.
Figure 102: While ending with this last example for our First Offer Agreement it looks like one can
receive Free Service on their Monthly Recurring Charges and a Credit as one Fees and Balance do not
have Coverage on their Account.
Preferential Offer Agreement
Here we are now looking at how one’s account would look like with our Preferential Offer Savings with
their Preferential Offer Agreement available for them to close their account. We can enter an amount for
their Optimization Savings to obtain their Preferential Offer Savings for their Alternative Preferential

Offer Agreement. We will once again look at a series of cases so that we get a better understanding of
how one’s account would receive their Benefits and Coverage on their charges.
Figure 103: When we look at our Second Offer Agreement, we can see that one would receive all benefits
on their Termination Fees, Cancellation Fees and Unpaid Balance in this example and a Loyalty Credit.
Figure 104: As we take a look at our next example, here we can see one of our exceptions to the rules and
that one would receive Benefits on their Termination Fee and Unpaid Balance. We can also see that one
would not receive Free Service on their Monthly Recurring Charges on their account as one’s Unpaid
Balance has Coverage and therefore does not get this Benefit regardless of Fee Amount and therefore
receives a Loyalty Credit.

Figure 105: When we look at this example, here we can see that one would receive Benefits on their
Termination Fee and Unpaid Balance. However, it looks like one will not receive Free Service on their
Monthly Recurring Charges as one has Coverage on their Unpaid Balance regardless of Fee Amount and
will receive a Credit on their Past Charges.
Figure 106: As we move on to our next example we can see that one would receive Benefits on their
Cancellation Fees and their Unpaid Balance. However, it looks like one will not receive Free Service on
their Monthly Recurring Charges as one’s Unpaid Balance has Coverage regardless of Fee Amount and
will receive a Loyalty Credit on their Past Charges.

Figure 107: When we look at this example you will notice that one will get Benefits on their Cancellation
Fee and Unpaid Balance. However, if you take a look one does not get Free Service on their Monthly
Recurring Charges as ones Unpaid Balance has Coverage regardless of their Fee Amount and, therefore,
they will get a Loyalty Credit on their Past Charges.
Figure 108: As we go through our next example, we can see that it represents our next exception to the
rule and that one would receive Benefits on their Termination and Cancellation Fees. However, with this
example it looks like one cannot receive Free Service on their Monthly Recurring Charges based on the
Fee Amount and regardless of Coverage on their Unpaid Balance and therefore only receives a Credit on
their Past Charges.

Figure 109: When we look at this example here we see that one will receive Benefits on their Fees
meaning their Termination Fees and Cancellation Fees. However it looks like one will also receive Free
Service on their Monthly Recurring Charges as one does not receive benefits on their Unpaid Balance and
a Credit on their Past Charges.
Figure 110: As we move on to our next example, here we can see that one would receive benefits on their
Termination Fee and Unpaid Balance. However, it looks like one would not receive Free Service on their
Monthly Recurring Charges as one has coverage on their Unpaid Balance and will not receive this benefit
regardless of their Fee Amount and will receive a Loyalty Credit on their Past Charges.

Figure 111: When looking at this example here and when changing the amount to represent a new Offer
Agreement we can see that one would receive Benefits on their Termination Fee and Unpaid Balance.
However, you will notice that one is eligible to receive a Discount Credit on their Past Charges meaning
they can receive a Discount Credit on their Cancellation Fees as an added Benefit to their Account.
Figure 112: As we move on to our next case and changing the amount for a new Offer Agreement, we can
see that one would receive Benefits on their Fees meaning their Termination Fees and Cancellation Fees.
We can also see that one is not eligible like in the previous example for a Discount Credit on their Past
Charges and that is because ones Fees have Coverage and therefore cannot receive this Benefit and will
therefore receive a Loyalty Credit on their Past Charges.

Figure 113: When we look at this example, we can see that one would receive Benefits on their Fees
meaning their Termination Fee and Cancellation Fee. However, it looks like in this example that one does
not receive the Discount Credit as one cannot receive this benefit as their Fees have Coverage already and
regardless of the Fee Amount and will receive a Loyalty Credit on their Past Charges.
Figure 114: As we move on to our next example here we can see that one will receive benefits on their
Termination Fee and Cancellation Fee. However, we can see that here one cannot receive Free Service on
their Monthly Recurring Charges and this is because of the Fee Amount regardless of Coverage on their
Unpaid Balance and will receive a Loyalty Credit on their Past Charges.

Figure 115: In our next example here, we can see one of our exceptions to the rule again and that one’s
account receive Benefits on their Fees meaning their Termination and Cancellation Fees. Thus, one also is
eligible to receive Free Service on their Monthly Recurring Charges as ones Unpaid Balance does not
receive Coverage and also will receive a Credit on their Past Charges.
Figure 116: As we move on to our next example and to our next exception to the rules here we can see
that one would receive Benefits on their Termination Fee and Unpaid Balance. However, one would only
receive a small credit as a result because they will not get Free Service on their Monthly Recurring
Charges and this is because one’s Unpaid Balance has Coverage and will also in addition receive a

Figure 117: When we look at this next example here we can see that one would receive benefits on their
Termination Fee and their Unpaid Balance. However, if you notice in this figure one will not receive Free
Service on their Monthly Recurring Charges and this is because one already has Coverage on their
Unpaid Balance regardless of Fee Amount and will receive a Loyalty Credit on their Past Charges.
Figure 118: As we move on to our next example here w can see that one would receive Benefits on their
Cancellation Fee and their Unpaid Balance. However, they will not receive Free Service on their Monthly
Recurring Charges with Coverage on their Unpaid Balance regardless of Fee Amount.

Figure 119: When looking at this example here with our exceptions we can see that one will receive
Benefits on their Cancellation Fee and Unpaid Balance. We can also see that one would not receive Free
Service on their Monthly Recurring Charges with Coverage on their Unpaid Balance and therefore they
will receive a Loyalty Credit on their Past Charges.
Figure 120: As we move on to our next case that is one of our most basic cases this account will just
receive Benefits on one of their charges, we can see that one would receive Benefits on just their
Termination Fee. However, it does look like one is eligible in receiving Free Service on their Monthly
Recurring Charges and this is because ones account does not have Coverage on their Unpaid Balance and
will also receive a Credit on their Past Charges.

Figure 121: When we look at this example you will notice that one is receiving benefits on their
Termination Fee. We can also see that one is not receiving Free Service on their Monthly Recurring
Charges and this is simply because ones Fee Amount does not allow them to receive this Benefit
regardless of Coverage of their Unpaid Balance and will receive a Credit on their Past Charges.
Figure 122: Here is an example of an account where one is to receive benefits on their Cancellation Fees.
You will also notice that one is not receiving Free Service on their Monthly Recurring Charges and this is
simply due to the Fee Amount on their Account which doesn’t permit this Benefit regardless of Coverage
on the Unpaid Balance and will receive a Credit on their Past Charges.

Figure 123: When looking at this case we can see that one’s account will receive Benefits on their
Cancellation Fee. And it also looks like one is eligible to receive Free Service on their Monthly Recurring
Charges as one is receiving Benefits on their Cancellation Fees and will receive a Credit on their Past
Charges on their account.
Figure 124: When we look at our next case here with our most basic cases, we can see that one would
receive benefits on their Unpaid Balance. However, one would not receive Free Service on their Monthly
Recurring Charges as one is receiving Coverage on their Unpaid Balance and will therefore only receive a

Figure 125: When we look at this account and the figures we can see that one would receive benefits on
their Unpaid Balance. However, it looks like one would not receive Free Service on their Monthly
Recurring Charges regardless of amount and it is because they are already receiving Coverage on their
Unpaid Balance and will not receive this Benefit regardless of their Fee Amount and will receive a
Figure 126: As we move forward to our exceptional cases you will notice that one would receive benefits
on their Unpaid Balance. However, it looks like one would not receive Free Service on their Monthly
Recurring Charges because they are already receiving Coverage on their Unpaid Balance and will not
receive this Benefit regardless of their Fee Amount and will receive a Credit on their Past Charges.

Figure 127: As we move on to our next example to one of our exceptions to the rule we can see that one
will receive Benefits on their Unpaid Balance here. Once again we can see that one would not get Free
Service on their Monthly Recurring Charges when receiving Coverage on their Unpaid Balance
regardless of their Fee Amount and will receive a Loyalty Credit on their Past Charges.
Figure 128: When we move on to our next example, we can see that one would receive Benefits on their
Termination Fee and we can also see that one qualifies to receive Free Service on their Monthly Service
Charges with no Coverage on their Unpaid Balance and will also receive a Credit on their Past Charges
on their Account.

Figure 129: As we see here in this example, we can see that one is receiving Benefits on their Termination
Fee. However, it looks like one is not receiving Free Service on their Monthly Recurring Charges and this
is simply because of their Fee Amount and that one cannot receive this benefit regardless of coverage on
their Unpaid Balance and will also receive a Loyalty Credit on their Past Charges.
Figure 130: We will take a look at this example and we can see here that one is receiving benefits on their
Cancellation Fee. If you closely analyze this case you will notice that one is not receiving Free Service on
their Monthly Recurring Charges and this is because one cannot receive this benefit due to the Fee
Amount on ones account regardless of Coverage on their Unpaid Balance and will receive a Credit on
their Past Charges.

Figure 131: As we look at this example here, we can see that one would receive Benefits on their
Cancellation Fees on their account. And it also looks like one can also receive Free Service on their
Monthly Recurring Charges and this is because one is not receiving Coverage on their Unpaid Balance.
They are also to receive a Credit on their Past Charges.
Figure 132: In this example here we can see that one would receive Benefits on their Cancellation Fee.
And it looks like they do qualify to receive Free Service on their Monthly Recurring Charges as one’s
account does not have Coverage on their Unpaid Balance and will receive a Credit on their Past Charges.

Figure 133: When we look here we can see that one would get the following benefits on their charges and
that one would get Coverage on their Cancellation Fee. However, you can see that one would not get Free
Service on their Monthly Recurring Charges and this is due to their Fee Amount regardless of Coverage
of their Unpaid Balance and will receive a Credit on their Past Charges.
Figure 134: As we move on to our next example, we can see that one would receive benefits on their
Termination Fee. However, it does look like one qualifies and would receive Free Service on their
Monthly Recurring Charges as one does not have Coverage on their Unpaid Balance and will also receive
a Loyalty Credit on their Past Charges.

Figure 135: When we look at this example here it looks like one is to receive benefits on their
Termination Fee and we can see that one will not receive Free Service on their Monthly Recurring
Charges. Although they do qualify, it looks like this is simply based on the Fee Amount that is entered
and therefore, they do not receive this Benefit regardless of Coverage on their Unpaid Balance and will
receive a Credit on their Past Charges.
Figure 136: As we move on to our next example, here we can see that one would receive benefits on their
Unpaid Balance. However, here it does look like one does not receive these benefits of Free Service on
their Monthly Recurring Charges as one’s Unpaid Balance is receiving Coverage. However it looks like
one is to receive a Loyalty Credit on their Past Charges.

Figure 137: As we move on to our last example of our Second Offer Agreement here it looks like based
on the amounts that are entered that one would only receive Free Service on their Monthly Recurring
Charges as one’s account qualifies to receive Free Service on their Monthly Recurring Charge as one does
not have Coverage on their Unpaid Balance and one is to receive a Loyalty Credit on their Past Charges.
Optimum Savings Options
What if one would like to receive all benefits and not go through this whole process where we would
choose the Priority Optimal Savings using the Optimization Outcome to form their Optimal Offer
Agreement or where one would choose their Preferential Offer Savings for their Preferential Offer
Agreement. Thus, that is where the Optimum Savings comes in. With this systematic method, one is not
permitted Free Service on their Monthly Recurring Charges or a Credit on their Past Charges as one
would receive their Optimum Savings for their Fees and Balance. We will look at a few cases.

Figure 138: We can even further enhance this calculator where one can see what their optimal savings is
from their charges and fees to ensure we can make their Preferential Offer Agreement and entering in
their Preferential Offer Savings.
Figure 139: We can determine one’s Priority Optimum Savings on their charges and can see here that one
can receive benefits on their Cancellation Fee and their Unpaid Balance. And we can also see that when
entering the Termination Fee, Cancellation Fee and Unpaid Balance it will also determine the
Optimization Outcome for one’s account.
Figure 140: When looking at this example here once again the Priority Optimum Savings can be
determined and it looks like one can receive Benefits and Coverage on their Termination Fees and their
Unpaid Balance. It also shows what the Optimization Outcome would be for the charges on one’s
account.

Figure 141: As we enter the Termination Fee, Cancellation Fee and Unpaid Balance we can see that one
will receive Benefits and Coverage on their Termination Fees and Cancellation Fees as their Priority
Optimum Savings. It also shows the Optimization Outcome for the charges on one’s account.
Figure 142: As we move forward to this example one of our exceptional cases we can see here while
entering the Termination Fees, Cancellation Fees and Unpaid Balance we can see that one can receive
Benefits and Coverage on their Cancellation Fee and Unpaid Balance as their Optimum Savings for one’s
account. We can also see here their Optimization Outcome for the charges on one’s account.

Figure 143: When looking at this example here we can see that one can receive Benefits on their
Termination Fee and their Cancellation Fee as their Priority Optimum Savings for the Charges on one’s
Account. And we also see here the Optimization Outcome.
Figure 144: We can see here in this example that one can determine the Priority Optimum Savings and
one can receive Benefits and Coverage on their Termination Fee and their Unpaid Balance for the
Charges on their Account. And we also see here the Optimization Outcome.

Figure 145: As we move forward to our next case here in this example, one can receive Benefits and
Coverage on their Cancellation Fee and their Unpaid Balance as their Priority Optimum Savings for the
Charges on their Account. And we also see here their Optimization Outcome.
Figure 146: In this example, we can determine the Priority Optimum Savings and that one can receive
Benefits and Coverage on their Termination Fee and their Cancellation Fee for the Charges on their
Account. And we also see here the Optimization Outcome.

Figure 147: Here when entering their Termination Fee, Cancellation Fee and their Unpaid Balance, we
can see that one can receive Benefits and Coverage on their Termination Fee and their Unpaid Balance as
their Priority Optimum Savings for the Charges on their Account. And we also see here the Optimization
Outcome.
Figure 148: In our next example when entering the Termination Fees, Cancellation Fees and Unpaid
Balance one can receive Benefits and Coverage on their Cancellation Fee as their Priority Optimum
Savings for the Charges on their Account. And we see here the Optimization Outcome for one’s account.

Figure 149: Here, when looking at this example here we can see that one can receive Benefits and
Coverage on their Unpaid Balance as their Priority Optimum Savings for the Charges on their Account.
And we see here the Optimization Outcome for one’s account.
Figure 150: When entering the Termination Fee, Cancellation Fee and their Unpaid Balance here we can
see that one can receive Benefits and Coverage on their Termination Fee as their Priority Optimum
Savings for the Charges on their Account. And we see here the Optimization Outcome for one’s account.

MANUAL OF WORK

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MANUAL OF WORK