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**U. S. Department of Housing and Urban Development**

Washington, D.C. 20410-8000

March 27, 1992

OFFICE OF THE ASSISTANT SECRETARY

FOR HOUSING-FEDERAL HOUSING COMMISSIONER

**MORTGAGEE LETTER 92-13**

TO: ALL APPROVED MORTGAGEES

**SUBJECT:** Automatic Clearing House (ACH) Information Package

The Automated Clearing House allows approved FHA lenders to

pay Single Family Up-Front Mortgage Insurance Premiums as well as

Up-Front Premiums for refinance cases directly from their

account. The premium data is input into a microcomputer and sent

electronically.

The ACH process allows the lender to:

\- control the timing of the premium payment;

\- by-pass middle person by keying the information;

\- eliminate lost checks/mail;

\- correct non-monetary data;

\- have premium payments drawn electronically from the

lender\'s designated bank account; and

\- receive an expedited statement of account.

In order to meet the needs of our clients, we have been

working to improve the program since its implementation in August

of 1985. Enclosed is an ACH Information Package that reflects

these improvements. The package includes participation

procedures, terminal operating procedures, an application for

participation, concentration of funds terminal dialogue, micro

computer access description and new terminal connection numbers.

We look forward to having all approved FHA lenders

participate in the ACH process.

Very sincerely yours,

Arthur J. Hill

Assistant Secretary for Housing

\- Federal Housing Commissioner

Enclosure

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Automated Clearing House

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\" NO MORE PAPER \"

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TABLE OF CONTENTS

I ACH Participation Procedures\...\...\...\...\...\...\...\...\...\.....
page 1

II\. Terminal Operating
Procedures\...\...\...\...\...\...\...\...\...\.... page 3

III\. Application to Participate\...\...\...\...\...\...\...\...\....
Attachment A

IV\. Concentration of Funds Terminal Dialogue\...\...\...\.....
Attachment B

V. Micro Computer Access Description\...\...\...\...\...\...\...
Attachment C

VI\. Terminal Connection Numbers\...\...\...\...\...\...\...\...\...
Attachment D

VII\. Index
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SINGLE FAMILY UP-FRONT AUTOMATED

CLEARING HOUSE (ACH) PARTICIPATION

PROCEDURES

Introduction

The Automated Clearing House allows you to pay Single Family Up-Front

Mortgage Insurance Premiums directly from your account. The premium data

is input into a microcomputer and sent electronically. \"No more
paper!\"

Start-up time is approximately two weeks.

Equipment Needed

\- IBM compatible PC

\- Hayes compatible modem

\- Communication software package 1/

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1/ HUD cannot recommend a specific brand of software or hardware.

However, most retailers can and will recommend brands

that will work with most microcomputers. The Mellon Telecash

Hotline can provide set-up assistance if your communication

package is Crosstalk, Smartcom or Procom.

1

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Steps of the Process

1\) Mortgagee reviews package

\- Appropriate staff and management review

this information package

2\) Mortgagee decides to participate

\- Complete Attachment A and forward to:

U.S. Department of HUD

Room 2238

451 7th Street, S. W.

Washington, D. C. 20410

OR

\- FAX to (202) 401-1252

3\) Mellon Bank provides personal identification number

(PIN) 2/ to mortgagee

4\) Mortgagee reviews log-on information on page 6

5\) Process completed

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2/ PIN Number is a four-digit number assigned by Mellon Bank

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FHA/SINGLE FAMILY/UP-FRONT MORTGAGE

INSURANCE PREMIUMS

TERMINAL OPERATING PROCEDURES

General Description

The ACH system is designed to collect premiums and remittance advices

from mortgagees using remote terminals in lieu of sending checks and

remittance advices by mail. The mortgagee\'s terminal operator will dial
a

number that will tie the terminal or microcomputer into the Mellon
Telecash

system. Then after keying the log-on commands outlined below, the

operator will enter the day\'s transactions.

Each evening at 8:00 p.m. EST the Mellon system will create ACH

entries based on the data keyed by the mortgagee. The debit entry will

reach the appropriate bank on the following day and the corresponding

credit entry will be concentrated at Mellon. In the event that the

depositing bank is unable to receive the ACH entry, a paper Depository

Transfer Check (DTC) will be generated. When the debit transaction has

been processed Mellon will then transmit the Up-front Premium data to
HUD.

Late Charges

The ACH program automatically assesses a \"four percent\" late charge

when payments are received 15 calendar days after the closing date.

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Interest Charge

Interest rate is assessed when payment is received 30 calendar days

after the closing date. For interest rate call 703/235-8117 (this is not
a

toll free number).

System Contingencies for Technical Problems

System problems can occur between:

\- the mortgagee and the concentrator bank (Mellon),

\- the concentrator bank and the account that holds the

premiums funds,

\- the concentrator bank and the HUD data depository,

and

\- the data depository and HUD.

Responsibility to notify HUD of a problem between the mortgagee and the

concentrator bank rests with the mortgagee. Notification of technical

problems with other parts of the system rests with either the
concentrator

or the data depository. Each will have instructions on how to report
these

problems. According to Mellon Bank, lengthy downtimes are rare in the

Mellon system. However, some downtimes can be expected to occur from
time

to time.

Insufficient Funds

Effective August 5, 1991, all Up-Front Insurance Premiums submitted

through the ACH program under company 00054 (up-front) and 00631

(refinance) was consolidated into one total transaction. Therefore,
please

be advised that if the bank account that is debited can not cover the
total

premiums of cases submitted, all premiums will be considered
Non-Sufficient

Fund (NSF) and returned.

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Statement of Account (SOA) Problems

To report on SOA problems call Support Service Center at 703/235-8117

(this is not a toll free number) and press \"2 \". Provide the following

information to the operator:

\- Your name, telephone number and extension

\- Bank name

\- Mortgagee number

\- Nature of the problem

Description of Data Entry Processes

The data entry function is broken down into seven processes. A

facsimile of the actual steps and terminal prompts is attached as

Concentration of Funds Terminal Dialogue (Attachment B). The term

\"dialogue\" means the two way communication between the terminal
operator

and computer.

1\) Terminal Start Up - Turn the terminal or

microcomputer on and ensure that it is hooked into the

modem.

2\) Terminal Connection - The process of dialing the

appropriate area telephone number.

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3\) Log-on - Connects the caller to the Mellon Telecash

system and verifies that the caller is authorized to use the

system.

The company numbers are described as follows:

Company 00054 - Upfront premium

Company 00038 - Non-monetary Correction for upfront

premium data

Company 00631 - Refinance premium

Company 00433 - Non-monetary Correction for refinance

premium data

Companies 00038 and 00433 are used only when data in

HUD\'s files are in error and must be corrected. For

example, a request for additional information is received

and the closing date is in error. To correct the error in

HUD\'s records and to subsequently receive an

authorization to endorse, use company 00038 or 00433 to

access the screen for data correction. Companies 00054

and 00631 screens do not contain the error correction

fields.

The final steps prior to entering detail data are the entry

of the PIN number and the mortgagee/unit number. The

PIN number will be the same for all four company

numbers.

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The ACH system allows 75 transactions (cases) per day

for a particular unit number (mortgagee number) if

entering via a PC. If you have more than 75

transactions per day, you must request additional space

when submitting your ACH application. (See

Attachment A) If submitting payment information to

Mellon Bank via Central Processing Unit (CPU) to

CPU, the ACH system allows 150 transactions per day

per unit number.

Transactions can be warehoused (or stored) in the

system up to one year by entering a future effective

date. If the warehousing feature is utilized, the number

of transactions permitted per day correspondingly

decreases based on the number of warehoused items

(i.e., if 10 items are warehoused from a previous day

then the allowable number of transactions per day is

reduced to 65 until the warehoused items are released).

To access the next level (supplemental fields), enter the

proper PIN number and mortgagee number (the number

that you have requested to be authorized for ACH

processing through Mellon. (See Attachment B)

4\) Entry of Detailed or Supplemental Data - For company

00054 this is merely entering the detailed Up-front

Premium transaction data. The screen prompts for the

data fields emulate the
[[HUD-27001]{.underline}](http://www.hudclips.org/sub_nonhud/cgi/pdfforms/27001.pdf)
form. The system

also has a built-in balancing edit of premium amount +

late charge + interest must = total amount. The late

charge calculation is also built into the system for both

companies 00054 and 00631. (See Attachment B)

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For company 00631, the system requires the

authorization number in addition to all other data fields

from the HUD-27001 form. In order to obtain your

authorization number, contact the service center at

703/235-8117 (this is not a toll free number).

5\) Entry Verification - The individual detailed transactions

are compared against the amount entered with the unit

number. Mere the amounts do not match, the system

will respond with an error message.

By typing RELEASE, you have authorized Mellon to

draw from your designated bank account. The system

will return an item number count, mortgagee/unit

number, verification code, and amount. This

information should be printed and saved as your record

of having entered/released the transaction amount(s).

NOTE: A date will be given when you are warehousing

data.

6\) Corrections - See Attachment B - (B-5), (B-8)

7\) Sign Off

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ATTACHMENT A

Application to Participate in the Single Family Up-Front ACH Process

Mortgagee/Unit Number:
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Mortgagee Name:
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Address:
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

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\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Bank Name:
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

City, State:
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Bank Account Number:
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Bank\'s ABA Number:
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

(Transit Routing (TR) - 9 digit number)

Two Contact Names & Numbers:

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\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

(name - typed) (name - typed)

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(number) (number)

Signature and Title of Authorizing Official:

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(signature) (title) (date)

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ATTACHMENT B

Concentration of Funds Terminal Dialogue

The following instructions provide a step-by-step guide on how to

enter data into the Mellon system. The instructions start after the

operator dials the system.

A dial tone followed by static is heard.

Screen Display: CONNECT 1200, 2400, 9600 3/

Your Response: (press) return key

Screen Display: HOST NAME

Your Response: (type) MELLON (return)

Screen Display: CONNECTED

Your Response: (type) Logon (space) K03052 (return)

Screen Display: ENTER PASSWORD 4/

Your Response: (type) HUDOTMIP (return)

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3/ Depending on the speed accessed, either 1200, 2400 or 9600 will be

displayed.

4/ You have three attempts to properly log-on to the Telecash system,

If you suspend the password you must call the Telecash Hotline

to have it reset.

(B-1)

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Screen Display: WELCOME TO TELECASH

ENTER MODULE OPTION OR \"HELP\" FOR MODULE

LIST

Your Response: (type) cf (return)

Screen Display: ENTER REQUEST NUMBER OR

\"HELP\" FOR REQUEST LIST

Your Response: (type) 22 (return)

Screen Display: ENTER COMPANY NUMBER 5/

Your Response: (type) 00000 (return)

Screen Display: ENTER PIN 6/; UNIT NUMBER 7/

Your Response: (type) 0000; 0000000000 (return)

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5/ Company Number identifies the screen formats that are to be used;

e.g., 00054 - Upfront premium; 00038 - Correction of upfront

premium data\...

6/ You have three attempts to enter the correct PIN. If you suspend

the PIN contact the Mellon Telecash Hotline.

7/ Unit Number is your 10-digit mortgagee number

(B-2)

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Screen Display: ENTER UNIT NUMBER; AMOUNT; DATE(MMDDYY)

Your Response: (type) 0000000000;100050;010192 (return)

Screen Display: ENTER \"STOP\" TO END

The date you enter will be the effective date (the date the money is

withdrawn from your bank account). If no date is entered, the

system will assume the effective date is to be the next business

day. Your deposit date is the date you input premium information

into the Telecash system. If using the warehousing feature, the

deposit date will be the prior business day to the effective date.

Remember, the decimal point is assumed; therefore, the example

above indicates a total amount of \$1,000.50 will be debited from

your account. There should always be a six-digit number entered for

\"Date\". The example above indicates January 1, 1992.

Prompt: ENTER SUPPLEMENTAL AMOUNT(S) \"99999\" OR

SUPPLEMENTAL DATA \"XXXXXXXXXX\" FOR

OTHER DATA TYPES

(B-3)

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Company 00054 - Upfront premium

Field Length

FIELD \# - FIELD NAME Min Max

1 - FHA CASE NUMBER: 10 10

2 - CLOSING DATE: 6 6

3 - MORTGAGE TYPE: 0 1

4 - TERM OF MORTGAGE 1/: 0 1

5 - PERCENT FINANCED: 0 3

6 - PREMIUM AMOUNT: 0 8

7 - LATE CHARGE (display only): 0 5

8 - INTEREST: 0 5

9 - TOTAL AMOUNT (display only): 0 0

All supplemental data entry fields are numeric. For company 00054

the fields 7 and 9 will be calculated by the system. If the deposit

amount entered after the unit number does not equal the total

amount in field 9, an error message will appear and instruct you to

re-enter the deposit amount.

1/ (1) 1 - 215 Months

\(2\) 216 - 264 Months

\(3\) 265 - 300 Months

\(4\) Over 300 Months

(B-4)

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Company 00038 - Non-monetary Correction of upfront premium data

Field Length

FIELD \# - FIELD NAME Min Max

1 - OLD FHA CASE NUMBER: 9 10

2 - OLD MORTGAGEE NUMBER: 10 10

3 - OLD CLOSING DATE: 6 6

4 - CORRECTED FHA CASE NUMBER: 0 10

5 - CORRECTED MORTGAGEE NUMBER: 0 10

6 - CORRECTED TERM OF MORTGAGE 2/: 0 1

7 - CORRECTED PERCENT FINANCED: 0 3

8 - CORRECTED CLOSING DATE: 0 6

The number of fields will vary when entering the correction

company 00038. Field 1 through 3 are required.

2/ (1) 1 - 215 Months

\(2\) 216 - 264 Months

\(3\) 265 - 300 Months

\(4\) Over 300 Months

(B-5)

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Company 00631 - Refinance premium

Field Length

FIELD \# - FIELD NAME Min Max

1 - AUTHORIZATION CODE: 5 5

2 - MORTGAGEE/UNIT NUMBER: 10 10

3 - FHA NEW CASE NUMBER: 10 10

4 - CLOSING DATE (MMDDYY): 6 6

5 - TERM OF MORTGAGE 3/: 1 1

6 - PERCENT FINANCED: 1 3

7 - NEW OTMIP AMOUNT: 2 7

8 - REFUND CREDIT: 2 7

9 - NET OTMIP: 0 7

10 - LATE CHARGE (display only): 0 5

11 - INTEREST DUE: 0 5

12 - TOTAL CHECK AMOUNT (display only): 0 7

13 - OLD FHA CASE NUMBER: 9 10

3/ (1) 1 - 215 Months

\(2\) 216 - 264 Months

\(3\) 265 - 300 Months

\(4\) Over 300 Months

(B-6)

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Company 00631 - Refinance premium (CONTINUED)

Field Length

FIELD \# - FIELD NAME Min Max

14 - OLD OTMIP PAID: 2 6

15 - PERIOD OF INSURANCE (In Months): 1 3

16 - TERM OF MORTGAGE (In Months): 1 3

17 - ORIGINAL MORTGAGE AMT (In \$ Only): 2 6

18 - EARNED PREMIUM FACTOR: 5 5

19 - OTMIP EARNED BY HUD: 1 6

20 - OTMIP REFUND FOR CREDIT: 2 6

21 - EXCESS REFUND CREDIT 0 6

22 - BORROWER\'S NAME/LOAN NUMBER: 0 15

Authorization number is required in order to enter refinance data

for company 00631. Call 703/235-8117 (this is not a toll free

number) to get authorization number. Fields 10 and 12 will be

calculated by the system. Round field 19 to the nearest cent.

Calculation edits exist in fields 9, 19 and 21. For field 18 \"Earned

Premium Factor\", the decimal point is assumed, therefore, key all

5 numeric digits (zeroes should also be entered)

(B-7)

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Company 00433 - Non-monetary Refinance correction premium data

Field Length

FIELD \# - FIELD NAME Min Max

1 - FHA NEW CASE NUMBER: 9 10

2 - MORTGAGEE NUMBER: 10 10

3 - CLOSING DATE: 6 6

4 - CORRECTED FHA CASE NUMBER: 0 10

5 - CORRECTED MORTGAGEE NUMBER: 0 10

6 - CORRECTED TERM OF MORTGAGE 4/: 0 6

7 - CORRECTED PERCENT FINANCED: 0 3

Fields 1 through 3 are required for refinance correction company

00433\.

4/ (1) 1 - 215 Months

\(2\) 216 - 264 Months

\(3\) 265 - 300 Months

\(4\) Over 300 Months

(B-8)

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Screen Display: ENTER \"RELEASE\"; \"CORRECT\"; OR

\"LIST\" TO PRINT (If all data are correct

then type \"RELEASE\" for transmission or

else enter the other two choices)

Your Response: (type) correct (return)

Screen Display: ENTER SELECTION OPTION, \"HELP\" TO

LIST OR \"STOP\"

Your Response: (type) help

(return)

Screen Display: S1; ENTER UNIT AMOUNT; DATE

\"S1;99999;MMDDYY\"

S2; ENTER FIELD NUMBER; SUPPLEMENTAL

DATA \"S2; 99; XXXXXXXXXX\"

S3; DELETE DEPOSIT AMOUNT AND ALL

SUPPLEMENTAL FIELDS \"S3\"

ENTER SELECTION OPTION, \"HELP\" TO LIST,

or \"STOP\" = S1; 100050

=STOP

ENTER \"RELEASE\"; \"CORRECT\"; or \"LIST\" TO

PRINT

Your Response: (type) release (return)

(B-9)

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Screen Display: ENTRY ACCEPTED FOR THE FOLLOWING UNITS:

ITEM UNIT VERIFICATION CODE AMOUNT DATE

1 98765453210 9999 100050 010192

ENTER NEXT UNIT NUMBER; AMOUNT; DATE:

\"9999999999;99999;MMDDYY\"

ENTER STOP TO END

You can string next entry as shown or type STOP. Entering STOP will
return

you to ENTER NEXT COMPANY NUMBER, REQUEST NUMBER, MODULE

OPTION, \"HELP\" FOR REQUEST LIST, \"END\" OR \"XX\" TO RETURN TO MAIN

LIST prompt.

(B-10)

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ATTACHMENT C

Micro Computer Access Description

To access the Mellon Telecash system the parameters should be set as

follows:

\* Parity - even

\* Number of stop bits - 1

\* Duplex -full

\* Data word length - 7 bits

\* Communications speed - 300, 1200, 2400 or 9600

BAUD

\* Auto Line Feed - off

\* Emulation - tty

\* Port - varies from PC to PC

\* Remaining parameters set at default

(C-1)

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Failure To Connect To System

Error conditions may occur when connecting to the system. The

mortgagee has only three (3) attempts to properly log-on. Conditions
that

may occur are as follows:

1\) First log-on attempt fails

a\) Verify modem settings

b\) Check cable connections

c\) Reboot system and retry

2\) Second log-on attempt fails

a\) Check if phone was disconnected

b\) Verify communications protocol settings (software parameters)

c\) Reboot system and retry

3\) Third log-on attempt fails

MUST CALL THE MELLON TELECASH HOTLINE FOR RE-SET

(C-2)

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

When To Use The Hotline

Telecash customer service administrators are available to serve you

from 6:00 a.m. to 6:30 p.m. EST. Have the following information
available

before calling:

Mortgagee/Unit Number

Access method:

\- Terminal

\- Microcomputer

\- CPU/CPU (mainframe)

Telecash user K number (HUD \# is K03052)

Module you are accessing (\"cf\")

Terminal address (Mellon)

Error message if applicable

The Hotline numbers are as follows:

Pittsburgh area: (412) 234-6816

(not a toll free number)

Within Pennsylvania: (800) 982-9277

Outside Pennsylvania: (800) 468-5047

Also contact the Telecash Hotline to obtain or verify local

Compuserve access numbers not listed in Attachment D. Note that local

access numbers can change periodically.

(C-3)

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

ATTACHMENT D

Terminal Connection Numbers

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

CITY ST PHONE BAUD

\_\_\_\_ \_\_ \_\_\_\_\_ \_\_\_\_

Anchorage AK 907/563-8425 300 1200 2400

Fairbanks AK 907/479-4102 300 1200 2400

Bessemer AL 205/558-4000 300 1200 2400

Bessemer AL 205/933-6212 9600

Birmingham AL 205/558-4000 300 1200 2400

Birmingham AL 205/933-6212 9600

Dothan AL 205/671-3917 300 1200 2400

Florence AL 205/766-9925 300 1200 2400

Huntsville AL 205/536-1346 300 1200 2400

Mobile AL 205/478-0688 300 1200 2400

Montgomery AL 205/260-0171 300 1200 2400

Tuscaloosa AL 205/553-1120 300 1200 2400

Little Rock AR 501/376-8374 300 1200 2400

Little Rock AR 501/376-8544 9600

Mesa AZ 602/955-1464 300 1200 2400

Mesa AZ 602/468-0285 9600

Phoenix AZ 602/955-1464 300 1200 2400

Phoenix AZ 602/468-0285 9600

(D-1)

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

CITY ST PHONE BAUD

\_\_\_\_ \_\_ \_\_\_\_\_ \_\_\_\_

Scottsdale AZ 602/955-1464 300 1200 2400

Scottsdale AZ 602/468-0285 9600

Sierra Vista AZ 602/459-6390 300 1200 2400

Tempe AZ 602/955-1464 300 1200 2400

Tempe AZ 602/468-0285 9600

Tucson AZ 602/745-8745 300 1200 2400

Tucson AZ 602/571-0207 9600

Yuma AZ 602/782-7191 300 1200 2400

Alameda CA 510/482-0190 300 1200 2400

Anaheim CA 714/520-5231 300 1200 2400

Anaheim CA 714/563-9431

Bakersfield CA 805/324-0971 300 1200 2400

Belmont CA 415/591-5415 300 1200 2400

Berkeley CA 510/482-0190 300 1200 2400

Beverly Hills CA 213/629-4095 300 1200 2400

Beverly Hills CA 213/624-3730 9600

Castro Valley CA 510/889-0369 300 1200 2400

Cathedral City CA 619/325-4584 300 1200 2400

Chula Vista CA 619/498-0099 300 1200 2400

Concord CA 510/682-0762 300 1200 2400

Culver City CA 310/397-7887 300 1200 2400

Culver City CA 310/390-4188 9600

Cupertino CA 408/988-5366 300 1200 2400

Cupertino CA 408/727-8113 9600

Encinitas CA 619/753-2728 300 1200 2400

Fresno CA 209/251-2890 300 1200 2400

(D-2)

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

CITY ST PHONE BAUD

\_\_\_\_ \_\_ \_\_\_\_\_ \_\_\_\_

Fresno CA 209/453-1487 9600

Glendale CA 818/506-6743 300 1200 2400

Glendale CA 818/752-8045 9600

Hayward CA 510/889-0369 300 1200 2400

Inglewood CA 213/629-4095 300 1200 2400

Inglewood CA 213/624-3730 9600

Irvine CA 714/833-9915 300 1200 2400

Irvine CA 714/252-1131 9600

Lancaster CA 805/942-3888 300 1200 2400

Livermore CA 510/373-0546 300 1200 2400

Long Beach CA 310/599-5966 300 1200 2400

Long Beach CA 310/591-5768 9600

Los Angeles CA 213/629-4095 300 1200 2400

Los Angeles CA 213/624-3730 9600

Modesto CA 209/521-9970 300 1200 2400

Monterey CA 408/646-1687 300 1200 2400

Mountain view CA 408/988-5366 300 1200 2400

Mountain View CA 408/727-8113 9600

N. Hollywood CA 818/506-6743 300 1200 2400

N. Hollywood CA 818/752-8056 9600

Napa CA 707/257-7710 300 1200 2400

Newport Beach CA 714/833-9915 300 1200 2400

Newport Beach CA 714/252-1131 9600

Oakland CA 510/482-0190 300 1200 2400

Oxnard CA 805/486-3386 300 1200 2400

Pacheco CA 510/682-0762 300 1200 2400

(D-3)

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

CITY ST PHONE BAUD

\_\_\_\_ \_\_ \_\_\_\_\_ \_\_\_\_

Palm Springs CA 619/325-4584 300 1200 2400

Palo Alto CA 415/591-5415 300 1200 2400

Pleasant Hill CA 510/682-0762 300 1200 2400

Pleasanton CA 510/373-0546 300 1200 2400

Pomona CA 714/622-5454 300 1200 2400

Pomona CA 714/865-0553 9600

Redding CA 916/223-1144 300 1200 2400

Riverside CA 714/354-5022 300 1200 2400

Riverside CA 714/358-0383 9600

Sacramento CA 916/484-1112 300 1200 2400

Sacramento CA 916/482-4494 9600

Salinas CA 408/754-2751 300 1200 2400

San Bernardino CA 714/882-9626 300 1200 2400

San Bernardino CA 714/882-6646 9600

San Carlos CA 415/591-5415 300 1200 2400

San Diego CA 619/569-4282 300 1200 2400

San Diego CA 619/476-9508 9600

San Fernando CA 213/629-4095 300 1200 2400

San Fernando CA 213/624-3730 9600

San Francisco CA 415/296-8362 300 1200 2400

San Francisco CA 415/434-1580 9600

San Jose CA 408/988-5366 300 1200 2400

San Jose CA 408/727-8113 9600

San Luis Obispo CA 805/549-8605 300 1200 2400

San Marcos CA 619/471-0960 300 1200 2400

San Mateo CA 415/591-5415 300 1200 2400

(D-4)

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

CITY ST PHONE BAUD

\_\_\_\_ \_\_ \_\_\_\_\_ \_\_\_\_

San Rafael CA 415/454-9935 300 1200 2400

Santa Barbara CA 805/682-7750 300 1200 2400

Santa Clara CA 408/988-5366 300 1200 2400

Santa Clara CA 408/727-8113 9600

Santa Cruz CA 408/476-0126 300 1200 2400

Santa Rosa CA 707/579-4611 300 1200 2400

Sherman Oaks CA 818/786-6382 300 1200 2400

Sherman Oaks CA 818/988-9791 9600

Sierra Madre CA 818/303-5780 300 1200 2400

Sierra Madre CA 818/303-3869 9600

So. Lake Tahoe CA 916/541-5940 300 1200 2400

Solana Beach CA 619/753-2728 300 1200 2400

Stockton CA 209/465-7284 300 1200 2400

Sunnyvale CA 408/988-5366 300 1200 2400

Sunnyvale CA 408/727-8113 9600

Thousand Oaks CA 805/498-3453 300 1200 2400

Thousand Oaks CA 805/499-6110 9600

Torrance CA 310/214-1442 300 1200 2400

Torrance CA 310/370-2831 9600

Vallejo CA 707/645-8880 300 1200 2400

Van Nuys CA 818/786-6382 300 1200 2400

Van Nuys CA 818/988-9791 9600

Ventura CA 805/648-1906 300 1200 2400

Walnut Creek CA 510/682-0762 300 1200 2400

West L.A. CA 213/629-4095 300 1200 2400

West L.A. CA 213/624-3730 9600

(D-5)

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

CITY ST PHONE BAUD

\_\_\_\_ \_\_ \_\_\_\_\_ \_\_\_\_

Aspen CO 303/925-5892 300 1200 2400

Aurora CO 303/629-9145 300 1200 2400

Aurora CO 303/595-0123 9600

Boulder CO 303/629-9145 300 1200 2400

Boulder CO 303/595-0123 9600

Colorado Springs CO 719/596-0910 300 1200 2400

Denver CO 303/629-9145 300 1200 2400

Denver CO 303/595-0123 9600

Dillon CO 303/668-0991 300 1200 2400

Durango CO 303/259-5880 300 1200 2400

Ft. Collins CO 303/223-1535 300 1200 2400

Glenwood Spring CO 303/945-0351 300 1200 2400

Grand Junction CO 303/241-1885 300 1200 2400

Greeley CO 303/356-1180 300 1200 2400

Lakewood CO 303/629-9145 300 1200 2400

Lakewood CO 303/595-0123 9600

Longmont CO 303/651-3207 300 1200 2400

Loveland CO 303/663-0992 300 1200 2400

Pueblo CO 719/546-1891 300 1200 2400

Steamboat Springs CO 303/879-4900 300 1200 2400

Vail CO 303/949-1336 300 1200 2400

Bridgeport CT 203/926-0316 300 1200 2400

Danbury CT 203/794-9169 300 1200 2400

Fairfield CT 203/222-8558 300 1200 2400

Greenwich CT 203/324-8943 300 1200 2400

Greenwich CT 203/324-1115 9600

(D-6)

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

CITY ST PHONE BAUD

\_\_\_\_ \_\_ \_\_\_\_\_ \_\_\_\_

Hartford CT 203/548-9369 300 1200 2400

Hartford CT 203/727-8708 9600

Milford CT 203/926-0316 300 1200 2400

New Haven CT 203/468-7165 300 1200 2400

New London CT 203/444-2509 300 1200 2400

North Haven CT 203/468-7165 300 1200 2400

Norwalk CT 203/222-8558 300 1200 2400

Stamford CT 203/324-8943 300 1200 2400

Stamford CT 203/324-1115 9600

Waterbury CT 203/756-5022 300 1200 2400

Westport CT 203/222-8558 300 1200 2400

Washington DC 202/388-3303 300 1200 2400

Newark DE 302/731-2965 300 1200 2400

Rehoboth Beach DE 302/945-5245 300 1200 2400

Wilmington DE 302/731-2965 300 1200 2400

Boynton Beach FL 407/863-7031 300 1200 2400

Boynton Beach FL 407/840-1219 9600

Daytona Beach FL 904/258-8433 300 1200 2400

Deerfield Beach FL 305/429-0552 300 1200 2400

Ft. Lauderdale FL 305/772-9264 9600

Ft. Myers FL 813/939-7060 300 1200 2400

Gainesville FL 904/377-5227 300 1200 2400

Jacksonville FL 904/448-5624 300 1200 2400

Jacksonville FL 904/730-0046 9600

Kissimmee FL 407/933-5703 300 1200 2400

Melbourne FL 407/723-2622 300 1200 2400

(D-7)

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

CITY ST PHONE BAUD

\_\_\_\_ \_\_ \_\_\_\_\_ \_\_\_\_

Miami FL 305/262-1643 300 1200 2400

Miami FL 305/262-9325 9600

Orlando FL 407/896-3053 300 1200 2400

Orlando FL 407/896-6122 9600

Panama City FL 904/871-0660 300 1200 2400

Pensacola FL 904/432-1007 300 1200 2400

Sarasota FL 813/355-0832 300 1200 2400

St. Petersburg FL 813/527-0338 300 1200 2400

Tallahassee FL 904/385-8699 300 1200 2400

Tampa FL 813/229-7406 300 1200 2400

Tampa FL 813/229-3200 9600

Vero Beach FL 407/778-0550 300 1200 2400

West Palm Beach FL 407/863-7031 300 1200 2400

West Palm Beach FL 407/840-1219 9600

Winter Haven FL 813/293-3911 300 1200 2400

Albany GA 912/435-9420 300 1200 2400

Athens GA 404/549-0888 300 1200 2400

Atlanta GA 404/266-7060 300 1200 2400

Atlanta GA 404/841-0578 9600

Augusta GA 404/738-3018 300 1200 2400

Brunswick GA 912/264-0351 300 1200 2400

Columbus GA 404/596-2700 300 1200 2400

Macon GA 912/929-0804 300 1200 2400

Macon GA 912/922-2179 9600

Savannah GA 912/355-0222 300 1200 2400

Savannah GA 912/353-8559 9600

(D-8)

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

CITY ST PHONE BAUD

\_\_\_\_ \_\_ \_\_\_\_\_ \_\_\_\_

Honolulu HI 808/521-6292 300 1200 2400

Honolulu HI 808/528-0430 9600

Maui HI 808/871-8328 300 1200 2400

Cedar Rapids IA 319/364-1437 300 1200 2400

Davenport IA 319/323-7388 300 1200 2400

Des Moines IA 515/276-5992 300 1200 2400

Boise ID 208/344-1845 300 1200 2400

Ketchum ID 208/788-5060 300 1200 2400

Pocatello ID 208/232-9452 300 1200 2400

Aurora IL 708/801-9488 300 1200 2400

Aurora IL 708/801-9468 9600

Bloomington IL 309/827-3343 300 1200 2400

Champaign IL 217/352-0041 300 1200 2400

Chicago IL 312/263-5636 300 1200 2400

Chicago IL 312/693-0330 300 1200 2400

Chicago IL 312/201-0711 9600

Chicago IL 312/693-4100 9600

DeKalb IL 805/748-5288 300 1200 2400

Decatur IL 217/422-2075 300 1200 2400

East St. Louis IL 314/241-5337 300 1200 2400

East St. Louis IL 314/241-5651 9600

Kankakee IL 815/933-3782 300 1200 2400

Lombard IL 708/953-4991 300 1200 2400

Peoria IL 309/685-1275 300 1200 2400

Rockford IL 815/968-3412 300 1200 2400

Springfield IL 217/789-0944 300 1200 2400

(D-9)

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

CITY ST PHONE BAUD

\_\_\_\_ \_\_ \_\_\_\_\_ \_\_\_\_

Bloomington IN 812/333-9203 300 1200 2400

Elkhart IN 219/294-8629 300 1200 2400

Evansville IN 812/479-0165 300 1200 2400

Ft. Wayne IN 219/447-0510 300 1200 2400

Gary IN 219/884-4940 300 1200 2400

Indianapolis IN 317/631-6824 300 1200 2400

Indianapolis IN 317/638-8129 9600

Lafayette IN 317/448-9925 300 1200 2400

Muncie IN 317/284-3812 300 1200 2400

Richmond IN 317/935-0061 300 1200 2400

South Bend IN 219/271-9197 300 1200 2400

Warsaw IN 219/267-7712 300 1200 2400

Lawrence KS 913/843-0140 300 1200 2400

Manhattan KS 913/776-7111 300 1200 2400

Mission KS 816/472-1283 300 1200 2400

Shawnee Mission KS 816/472-1283 300 1200 2400

Topeka KS 913/232-9520 300 1200 2400

Wichita KS 316/689-8132 300 1200 2400

Lexington KY 606/254-0585 300 1200 2400

Louisville KY 502/583-1277 300 1200 2400

Owensboro KY 502/683-0777 300 1200 2400

Baton Rouge LA 504/272-4596 300 1200 2400

Baton Rouge LA 504/275-4091 9600

Lafayette LA 318/234-9880 300 1200 2400

Lake Charles LA 318/433-0215 300 1200 2400

Monroe LA 318/324-9982 300 1200 2400

(D-10)

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

CITY ST PHONE BAUD

\_\_\_\_ \_\_ \_\_\_\_\_ \_\_\_\_

New Orleans LA 504/733-2297 300 1200 2400

New Orleans LA 504/733-3184 9600

Shreveport LA 318/424-5380 300 1200 2400

Amherst MA 413/549-7431 300 1200 2400

Arlington MA 617/482-7061 300 1200 2400

Arlington MA 617/868-0524 300 1200 2400

Arlington MA 617/661-7071 9600

Arlington MA 617/426-9295 9600

Billerica MA 508/667-2939 300 1200 2400

Boston MA 617/482-7061 300 1200 2400

Boston MA 617/661-7071 9600

Boston MA 617/868-0524 300 1200 2400

Boston MA 617/426-9295 9600

Brockton MA 508/588-1837 300 1200 2400

Brookline MA 617/482-7061 300 1200 2400

Brookline MA 617/868-0524 300 1200 2400

Brookline MA 617/661-7071 9600

Brookline MA 617/426-9295 9600

Cambridge MA 617/482-7061 300 1200 2400

Cambridge MA 617/661-7071 9600

Cambridge MA 617/868-0524 300 1200 2400

Cambridge MA 617/426-9295 9600

Chicopee MA 413/731-9680 300 1200 2400

Fall River MA 508/677-0405 300 1200 2400

Framingham MA 508/820-9349 300 1200 2400

Framingham MA 508/371-0354 300 1200

(D-11)

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

CITY ST PHONE BAUD

\_\_\_\_ \_\_ \_\_\_\_\_ \_\_\_\_

Groton MA 508/448-3007 300 1200 2400

Hudson MA 508/568-8019 300 1200 2400

Lawrence MA 508/975-2040 300 1200 2400

Maynard MA 508/897-4746 300 1200

Medfield MA 508/359-7603 300 1200

Medford MA 617/482-7061 300 1200 2400

Medford MA 617/868-0524 300 1200 2400

Medford MA 617/661-7071 9600

Medford MA 617/426-9295 9600

Medway MA 508/533-2722 300 1200 2400

Mendon MA 617/478-0653 300 1200

Newton MA 617/482-7061 300 1200 2400

Newton MA 617/868-0524 300 1200 2400

Newton MA 617/661-7071 9600

Newton MA 617/426-9295 9600

Quincy MA 617/482-7061 300 1200 2400

Quincy MA 617/868-0524 300 1200 2400

Quincy MA 617/661-7071 9600

Quincy MA 617/426-9295 9600

Springfield MA 413/731-9680 300 1200 2400

Waltham MA 617/482-7061 300 1200 2400

Waltham MA 617/868-0524 300 1200 2400

Waltham MA 617/661-7071 9600

Waltham MA 617/426-9295 9600

Westborough MA 508/366-2617 300 1200

Worcester MA 508/791-0745 300 1200 2400

(D-12)

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

CITY ST PHONE BAUD

\_\_\_\_ \_\_ \_\_\_\_\_ \_\_\_\_

Annapolis MD 410/266-7530 300 1200 2400

Baltimore MD 410/832-0160 300 1200 2400

Baltimore MD 410/337-0026 9600

Dundalk MD 410/832-0160 300 1200 2400

Dundalk MD 410/337-0026 9600

Hyattsville MD 301/853-3900 300 1200 2400

Ocean City MD 410/548-1502 300 1200 2400

Salisbury MD 410/548-1502 300 1200 2400

Towson MD 410/832-0160 300 1200 2400

Towson MD 410/337-0026 9600

Portland ME 207/871-1276 300 1200 2400

Ann Arbor MI 313/769-2012 300 1200 2400

Ann Arbor MI 313/761-9300 9600

Detroit MI 313/535-1122 300 1200 2400

Detroit MI 313/535-1466 9600

East Lansing MI 517/322-6808 300 1200 2400

Flint MI 313/238-6202 300 1200 2400

Grand Rapids MI 616/957-9733 300 1200 2400

Grand Rapids MI 616/956-0075 9600

Kalamazoo MI 616/383-3516 300 1200 2400

Lansing MI 517/332-6808 300 1200 2400

Lansing MI 517/322-7141 9600

Mt. Clemens MI 313/463-1945 300 1200 2400

Pontiac MI 313/334-2900 300 1200 2400

Pontiac MI 313/335-2680 9600

Saginaw MI 517/754-9177 300 1200 2400

(D-13)

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

CITY ST PHONE BAUD

\_\_\_\_ \_\_ \_\_\_\_\_ \_\_\_\_

Saginaw MI 517/753-5100 9600

Troy MI 313/362-3242 300 1200 2400

Troy MI 313/244-8740 9600

Duluth MN 218/722-0058 300 1200 2400

Mankato MN 507/388-8723 300 1200 2400

Minneapolis MN 612/339-2507 300 1200 2400

Minneapolis MN 612/339-1805 9600

Rochester MN 507/285-1277 300 1200 2400

St. Paul MN 612/339-2507 300 1200 2400

St. Paul MN 612/339-1805 9600

Columbia MO 314/875-0746 300 1200 2400

Florissant MO 314/241-S337 300 1200 2400

Florissant MO 314/421-5651 9600

Independence MO 816/472-1283 300 1200 2400

Independence MO 816/221-3817 9600

Jefferson City MO 314/635-9170 300 1200 2400

Kansas City MO 816/472-1283 300 1200 2400

Kansas City MO 816/221-3817 9600

Springfield MO 417/887-8422 300 1200 2400

St. Louis MO 314/241-5337 300 1200 2400

St. Louis MO 314/421-5651 9600

Jackson MS 601/948-6411 300 1200 2400

Jackson MS 601/352-5182 9600

Billings MT 406/245-0863 300 1200 2400

Helena MT 406/449-3680 300 1200 2400

Asheville NC 704/274-9491 300 1200 2400

(D-14)

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

CITY ST PHONE BAUD

\_\_\_\_ \_\_ \_\_\_\_\_ \_\_\_\_

Burlington NC 919/584-8808 300 1200 2400

Charlotte NC 704/331-0905 300 1200 2400

Charlotte NC 704/358-8991 9600

Davidson NC 919/723-9471 300 1200 2400

Durham NC 919/683-1866 300 1200 2400

Greensboro NC 919/272-4994 300 1200 2400

Raleigh NC 919/876-8150 300 1200 2400

Research TriPark NC 919/683-1866 300 1200 2400

Wilmington NC 919/392-4700 300 1200 2400

Winston-Salem NC 919/723-9471 300 1200 2400

Fargo ND 701/232-0904 300 1200 2400

Lincoln NE 402/474-9005 300 1200 2400

Omaha NE 402/345-5012 300 1200 2400

Omaha NE 402/345-9557 9600

Concord NH 603/225-4277 300 1200 2400

Concord NH 603/225-7322 9600

Manchester NH 603/625-2940 300 1200 2400

Nashua NH 603/886-3544 300 1200 2400

Atlantic City NJ 609/645-8778 300 1200 2400

Bayonne NJ 201/643-0404 300 1200 2400

Bayonne NJ 201/623-5666 9600

Boundbrook NJ 908/356-4747 300 1200 2400

Camden NJ 609/482-8770 300 1200 2400

Camden NJ 609/667-8865 9600

Cherry Hill NJ 609/482-8770 300 1200 2400

Cherry Hill NJ 609/667-8865 9600

(D-15)

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

CITY ST PHONE BAUD

\_\_\_\_ \_\_ \_\_\_\_\_ \_\_\_\_

Elizabeth NJ 201/643-0404 300 1200 2400

Elizabeth NJ 201/623-5666 9600

Hackensack NJ 201/368-8300 300 1200 2400

Hackensack NJ 201/368-0912 9600

Hackettstown NJ 908/852-8502 300 1200 2400

Jersey City NJ 201/643-0404 300 1200 2400

Jersey City NJ 201/623-5666 9600

Montclair NJ 201/783-5400 300 1200 2400

Montclair NJ 201/783-0644 9600

Morristown NJ 201/984-7921 300 1200 2400

Morristown NJ 201/984-5113 9600

Newark NJ 201/643-0404 300 1200 2400

Newark NJ 201/623-5666 9600

Parsippany NJ 201/984-7921 300 1200 2400

Parsippany NJ 201/984-5113 9600

Pennsauken NJ 609/482-8770 300 1200 2400

Pennsauken NJ 609/667-8865 9600

Princeton NJ 609/921-2855 300 1200 2400

Princeton NJ 609/497-2384 9600

Ridgewood NJ 201/444-3913 300 1200 2400

Rochelle Park NJ 201/368-8300 300 1200 2400

Rochelle Park NJ 201/368-0912 9600

Toms River NJ 908/914-0405 300 1200 2400

Toms River NJ 908/914-1954 9600

Union City NJ 201/643-0404 300 1200 2400

Union City NJ 201/623-5666 9600

(D-16)

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

CITY ST PHONE BAUD

\_\_\_\_ \_\_ \_\_\_\_\_ \_\_\_\_

Wayne NJ 201/696-6104 300 1200 2400

Woodbridge NJ 908/632-8755 300 1200 2400

Woodbridge NJ 908/632-9384 9600

Albuquerque NM 505/255-8626 300 1200 2400

Los Alamos NM 505/662-4122 300 1200 2400

Las Vegas NY 702/737-1292 300 1200 2400

Las Vegas NV 702/796-4877 9600

Reno NV 702/323-6608 300 1200 2400

Albany NY 518/439-8104 300 1200 2400

Binghamton NY 607/724-1171 300 1200 2400

Buffalo NY 716/875-3711 300 1200 2400

Buffalo NY 716/876-7680 9600

Hicksville NY 516/937-2088 300 1200 2400

Hicksville NY 516/932-1719 9600

Ithaca NY 607/257-OISS 300 1200 2400

Lake Grove NY 516/981-1120 300 1200 2400

Limestone NY 716/925-7042 300 1200 2400

Long Island NY 516/932-2088 300 1200 2400

Long Island NY 516/937-1719 9600

Middletown NY 914/344-3800 300 1200 2400

New York NY 212/608-6021 300 1200 2400

New York NY 212/888-1020 300 1200 2400

New York NY 212/766-2080 9600

Niagara Falls NY 716/284-3570 300 1200 2400

Poughkeepsie NY 914/473-S991 300 1200 2400

Rochester NY 716/647-1567 300 1200 2400

(D-17)

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

CITY ST PHONE BAUD

\_\_\_\_ \_\_ \_\_\_\_\_ \_\_\_\_

Schenectady NY 518/439-8104 300 1200 2400

Syracuse NY 315/451-0337 300 1200 2400

Syracuse NY 315/452-5615 9600

Tonawanda NY 716/694-6263 300 1200

Troy NY 518/439-8104 300 1200 2400

Utica NY 315/737-2101 300 1200 2400

White Plains NY 914/761-3163 300 1200 2400

Williston Park NY 516/294-4190 300 1200 2400

Akron OH 216/869-5085 300 1200 2400

Akron OH 216/836-0679 9600

Cambridge OH 614/439-7360 300 1200 2400

Canton OH 216/452-3491 300 1200 2400

Cincinnati OH 513/771-8543 300 1200 2400

Cincinnati OH 513/771-0592 9600

Cleveland OH 216/781-4135 300 1200 2400

Cleveland OH 216/781-7598 9600

Columbus OH 614/457-2105 300 1200 2400

Columbus OH 614/761-1133 300 1200 2400

Columbus OH 614/876-2116 300 1200 2400

Columbus OH 614/792-0669 9600

Dayton OH 513/226-1907 300 1200 2400

Dayton OH 513/224-4576 9600

Euclid OH 216/781-4135 300 1200 2400

Euclid OH 216/781-7598 9600

Granville OH 614/587-0932 300 1200

North Canton OH 216/869-5085 300 1200 2400

(D-18)

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

CITY ST PHONE BAUD

\_\_\_\_ \_\_ \_\_\_\_\_ \_\_\_\_

Parma OH 216/781-4135 300 1200 2400

Parma OH 216/781-7598 9600

Ravenna OH 216/678-5066 300 1200 2400

Toledo OH 419/243-2818 300 1200 2400

Toledo OH 419/242-5706 9600

Youngstown OH 216/743-4992 300 1200 2400

Bethany OK 405/945-1018 300 1200 2400

Bethany OK 405/945-7278 9600

Norman OK 405/945-1018 300 1200 2400

Norman OK 405/942-7278 9600

Oklahoma City OK 405/945-1018 300 1200 2400

Oklahoma City OK 405/942-7278 9600

Stillwater OK 405/642-5107 300 1200 2400

Tulsa OK 918/621-1002 300 1200 2400

Tulsa OK 918/621-1036 9600

Albany OR 503/967-2460 300 1200 2400

Eugene OR 503/689-9800 300 1200 2400

Medford OR 503/779-0504 300 1200 2400

Portland OR 563/239-6124 300 1200 2400

Portland OR 503/238-6729 9600

Salem OR 503/362-2523 300 1200 2400

Allentown PA 215/776-1087 300 1200 2400

Allentown PA 215/776-0801 9600

Butler PA 412/285-8187 300 1200 2400

Carlisle PA 717/245-2066 300 1200 2400

Erie PA 814/864-4018 300 1200 2400

(D-19)

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

CITY ST PHONE BAUD

\_\_\_\_ \_\_ \_\_\_\_\_ \_\_\_\_

Harrisburg PA 717/545-7116 300 1200 2400

King of Prussia PA 215/277-3708 300 1200 2400

King of Prussia PA 215/277-1301 9600

Norristown PA 215/277-3708 300 1200 2400

Norristown PA 215/277-1301 9600

Penn Hills PA 412/261-4192 300 1200 2400

Penn Hills PA 412/471-6417 9600

Philadelphia PA 215/563-1305 300 1200 2400

Philadelphia PA 215/561-1634 9600

Pittsburgh PA 412/261-4192 300 1200 2400

Pittsburgh PA 412/471-6417 9600

Reading PA 215/375-0914 300 1200 2400

Scranton PA 717/941-3239 300 1200 2400

Somerset PA 814/443-6402 300 1200 2400

State College PA 814/238-7910 300 1200 2400

Upper Darby PA 215/563-1305 300 1200 2400

Upper Darby PA 215/561-1634 9600

Wilkes Barre PA 717/822-2964 300 1200 2400

York PA 717/845-7631 300 1200 2400

Providence RI 401/438-7960 300 1200 2400

Charleston SC 803/776-8099 300 1200 2400

Columbia SC 803/776-5355 300 1200 2400

Greenville SC 803/255-4686 300 1200 2400

Greenville SC 803/232-5328 9600

Hilton Head SC 803/842-6314 300 1200 2400

Myrtle Beach SC 803/238-8625 300 1200 2400

(D-20)

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

CITY ST PHONE BAUD

\_\_\_\_ \_\_ \_\_\_\_\_ \_\_\_\_

Spartanburg SC 803/585-9611 300 1200 2400

Surfside Beach SC 803/238-8625 300 1200 2400

Rapid City SD 605/341-3733 300 1200 2400

Chattanooga TN 615/877-5804 300 1200 2400

Gatlinburg TN 615/436-2001 300 1200 2400

Johnson City TN 615/928-2644 300 1200 2400

Knoxville TN 615/522-2152 300 1200 2400

Memphis TN 901/323-0220 300 1200 2400

Memphis TN 901/454-6851 9600

Nashville TN 615/360-7923 300 1200 2400

Oak Ridge TN 615/483-2292 300 1200 2400

Abilene TX 915/698-1111 300 1200 2400

Amarillo TX 806/379-8411 300 1200 2400

Austin TX 512/444-0566 300 1200 2400

Austin TX 512/326-1155 9600

Beaumont TX 409/835-0236 300 1200 2400

Brownsville TX 512/233-6682 300 1200 2400

Bryan TX 409/696-7986 300 1200 2400

College Station TX 409/696-7986 300 1200 2400

Conroe TX 409/756-8904 300 1200 2400

Corpus Christi TX 512/882-1465 300 1200 2400

Dallas TX 214/953-0436 300 1200 2400

Dallas TX 214/720-9183 9600

Denton TX 817/387-8900 300 1200 2400

El Paso TX 915/565-0970 300 1200 2400

Ft. Worth TX 817/685-2700 300 1200 2400

(D-21)

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

CITY ST PHONE BAUD

\_\_\_\_ \_\_ \_\_\_\_\_ \_\_\_\_

Ft. Worth TX 817/685-2737 9600

Galveston TX 409/763-5125 300 1200 2400

Houston TX 713/462-0923 300 1200 2400

Houston TX 713/460-2705 9600

Irving TX 214/953-0436 300 1200 2400

Irving TX 214/720-9183 9600

Laredo TX 512/722-8008 300 1200 2400

Lubbock TX 806/763-5081 300 1200 2400

Midland TX 915/561-5811 300 1200 2400

San Angela TX 915/942-8787 300 1200 2400

San Antonio TX 512/736-8600 300 1200 2400

San Antonio TX 512/736-8645 9600

Tyler TX 903/561-5565 300 1200 2400

Waco TX 817/776-7090 300 1200 2400

Provo UT 801/377-1120 300 1200 2400

Salt Lake City UT 801/521-6326 300 1200 2400

Salt Lake City UT 801/521-9777 9600

Alexandria VA 703/591-0506 300 1200 2400

Alexandria VA 703/591-0461 9600

Arlington VA 703/591-0506 300 1200 2400

Arlington VA 703/591-0461 9600

Charlottesville VA 804/979-5159 300 1200 2400

Chesapeake VA 804/461-8117 300 1200 2400

Chesapeake VA 804/461-5354 9600

Fairfax VA 703/591-0506 300 1200 2400

Fairfax VA 703/591-0461 9600

(D-22)

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

CITY ST PHONE BAUD

\_\_\_\_ \_\_ \_\_\_\_\_ \_\_\_\_

Hampton VA 804/888-2556 300 1200 2400

Manassas VA 703/368-5707 300 1200 2400

Newport News VA 804/888-2556 300 1200 2400

Norfolk VA 804/461-8117 300 1200 2400

Norfolk VA 804/461-5354 9600

Portsmouth VA 804/461-8117 300 1200 2400

Portsmouth VA 804/461-5354 9600

Reston VA 703/758-0091 300 1200 2400

Richmond VA 804/741-3503 300 1200 2400

Roanoke VA 703/265-1013 300 1200 2400

Staunton VA 703/885-0253 300 1200 2400

Virginia Beach VA 804/461-8117 300 1200 2400

Virginia Beach VA 804/461-5354 9600

Williamsburg VA 804/888-2556 300 1200 2400

Burlington VT 802/862-1575 300 1200 2400

Manchester Ctr VT 802/362-5580 300 1200 2400

Blaine WA 206/332-8100 300 1200 2400

Everett WA 206/252-3550 300 1200 2400

Olympia WA 206/754-2200 300 1200 2400

Seattle WA 206/242-5767 300 1200 2400

Seattle WA 206/242-9992 9600

Spokane WA 509/326-6526 300 1200 2400

Tacoma WA 206/922-7181 300 1200 2400

Appleton WI 414/731-4345 300 1200 2400

Brookfield WI 414/453-5132 300 1200 2400

Brookfield WI 414/453-3010 9600

(D-23)

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

CITY ST PHONE BAUD

\_\_\_\_ \_\_ \_\_\_\_\_ \_\_\_\_

Green Bay WI 414/494-0917 300 1200 2400

La Crosse WI 608/785-7530 300 1200 2400

Madison WI 608/256-5346 300 1200 2400

Madison WI 608/256-6716 9600

Milwaukee WI 414/453-5132 300 1200 2400

Milwaukee WI 414/453-3010 9600

Sheboygan WI 414/458-3421 300 1200 2400

Wauwatosa WI 414/453-5132 300 1200 2400

Wauwatosa WI 414/453-3010 9600

Charleston WV 304/345-9730 300 1200 2400

Huntington WV 304/733-4010 300 1200 2400

Morgantown WV 304/291-5884 1200 1200 2400

Morgantown WV 304/291-6782 9600

Parkersburg WV 304/485-4225 300 1200 2400

Wheeling WV 304/233-9470 300 1200 2400

Casper WY 307/234-6914 300 1200 2400

Cheyenne WY 307/637-3027 300 1200 2400

Jackson WY 307/733-1640 300 1200 2400

Laramie WY 307/742-9641 300 1200 2400

(D-24)

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INDEX

ACH entries create\...\...\...\...\...\...\...\...\...\...\..... 3

Application to participate\...\...\...\...\.....Attachment A

Authorization number\...\...\...\...\...\...\...\...\... 7,(B-7)

Automated Clearing House (ACH)\...\...\...\...\...\.... 1,3,7

BAUD\...\...\...\...\...\...\...\...\...\...\...\..... (C-1), (D-1)

Communication network\...\...\...\...\...\...\... See Telecash

Company number codes \...\...\...\...\...\...\...\...\... (B-2)

Concentrator bank\...\...\...\...\...\...\.....See Mellon Bank

Corrections\...\...\...\...\...\...\...\...\...\...\...\...\...\... 6

refinance\...\...\...\...\...\...\...\...\...\...\...\..... (B-8)

upfront\...\...\...\...\...\...\...\...\...\...\...\...\.... (B-5)

Credit entry\...\...\...\...\...\...\...\...\...\...\...\...\..... 3

Data entry process\...\...\...\...\...\...\...\...\...\...\..... 5

Debit entry\...\...\...\...\...\...\...\...\...\...\...\...\...\... 3

Deposit date\...\...\...\...\...\...\...\...\...\...\...\.... (B-3)

Depository transfer check\...\...\...\...\...\...\...\...\.... 3

Effective date\...\...\...\...\...\...\...\...\...\...\..... (B-3)

Entry of supplemental data\...\...\...\...\...\...\...\...\... 7

Entry verification\...\...\...\...\...\...\...\...\...\...\..... 8

Equipment needed\...\...\...\...\...\...\...\...\...\...\...\.... 1

Failure to connect\...\...\...\...\...\...\...\...\...\.... (C-2)

FAX number\...\...\...\...\...\...\...\...\...\...\...\...\...\.... 2

Hotline numbers\...\...\...\...\...\...\...\...\...\...\.....(C-3)

HUD address\...\...\...\...\...\...\...\...\...\...\...\...\...\... 2

HUD fax number\...\...\...\...\...\...\...\...\...\...\...\...\... 2

HUD-27001\...\...\...\...\...\...\...\...\...\...\...\...\...\..... 7

Insufficient funds\...\...\...\...\...\...\...\...\...\...\..... 4

Interest charge\...\...\...\...\...\...\...\...\...\...\...\..... 3

Interest rate telephone number\...\...\...\...\...\...\..... 3

Late charges\...\...\...\...\...\...\...\...\...\...\...\...\..... 3

Log-on information\...\...\...\...\...\...\...\...\...\...6,(C-2)

Mellon Telecash system\...\...\...\...\...\...\...\.... 6,(C-1)

Mellon system\...\...\...\...\...\...\...\...\...\...\.... 3,(B-1)

Mellon Bank\...\...\...\...\...\...\...\...\...\...\...\...\... 2, 3

Microcomputer access\...\...\...\...\...\...\...\...\...\...\.....

description\...\...\...\...\...\...\...\...\..... Attachment C

Mortgagee number\...\...\...\...\...\...\... 6,7, Attachment A

additional Mortgagee Numbers\...\...\...\...\...\...\..... 7

Parameters (system)\...\...\...\...\...\...\...\...Attachment C

Participating procedures\...\...\...\...\...\...\...\...\..... 1

PIN number\...\...\...\...\...\...\...\...\...\...\...\...\... 2,6,7

PIN suspension\...\...\...\...\...\...\...\...\...\...\...\...(B-2)

Refinance premium\...\...\...\...\...\...\...\...\...\....6,(B-6)

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Support Service Center \...\...\...\...\...\...\...\...\.....

telephone number\...\...\...\...\...\...\...\...\...\.... 5, 7

Software\...\...\...\...\...\...\...\...\...\...\...\...\...\.... 1

Start-up time\...\...\...\...\...\...\...\...\...\...\...\..... 1

Technical problems\...\...\...\...\...\...\...\...\...\...\... 4

Technical system\...\...\...\...\...\...\...\...\... 1,6,(C-1)

Telecash hotline number\...\...\...\...\...\...\...\... (C-3)

Telecash system\...\...\...\...\...\...\.... 1,6,(B-2),(C-1)

Terminal dialogue\...\...\...\...\...\..... 5, Attachment B

Terminal operating procedures\...\...\...\...\...\...\.... 3

Terminal start-up\...\...\...\...\...\...\..... Attachment B

Terminal connection\...\...\...\...\...\...\...\...\...\..... 5

Transactions, number allowed per day\...\...\...\...\... 7

Transmittal time\...\...\...\...\...\...\...\...\...\...\..... 3

Unit number\...\...\...\...\...\...\... See mortgagee number

Upfront Premium\...\...\...\...\...\...\...\...\.....4,6,(B-4)

Warehousing\...\...\...\...\...\...\...\...\...\...\...\..... 7,8

\* U.S. Government Printing Office: 1992 - 312-218/60124