www.hudclips.org 

U. S. Department of Housing and Urban Development
Washington, D.C. 20410-8000

February 28, 1994
OFFICE OF THE ASSISTANT SECRETARY
FOR HOUSING-FEDERAL HOUSING COMMISSIONER
Mortgagee Letter 94-9
     TO:  ALL APPROVED MORTGAGEES
     SUBJECT:  Revisions to Single Family Insurance Premium Payment
                 Information Package
 
          In April, 1993, the Department changed its method of
     collecting Single Family Insurance "Upfront" premiums from a
     paper process to a mandatory electronic process.  The response
     from mortgage lenders to this change has been very positive.  The
     user friendly software application and timeliness of this method,
     which employs an "Automated Clearing House", or ACH facility, has
     helped modernize the PHA mortgage insurance process.
 
          Since that time the Department has improved and expanded the
     capabilities of this service.  The attached information package
     is a revision for the information provided by the Mortgagee
     Letter 92-13 , which reflects changes that were recommended by
     many lenders of the mortgage insurance industry.  We hope you
     will find that these changes, some of which are highlighted
     below, will enhance our partnership while ensuring greater
     opportunities for homeownership.
 
          We welcome your comments and suggestions that would enhance
     our operations.  We also urge those lenders who have not
     converted to ACH to do so immediately.  For information or
     comments on the use of ACH, please contact the ACH Outreach Team
     on (703) 845-4991.
 
                              CHANGE HIGHLIGHTS
 
     *** REVISED THE ACH SET-UP APPLICATION FORM FOR EASE OF USE ***
 
     *** ESTABLISHED AN ACH OUTREACH TEAM TO PROVIDE TECHNICAL ***
                    ASSISTANCE TO MORTGAGE LENDERS
 
_____________________________________________________________________
                                                                 2
 
     *** CLARIFIED THE MEANING OF VARIOUS TECHNICAL TERMS USED BY ***
                         THE ACH FACILITY
 
     *** LENDERS ARE ABLE TO CORRECT PREVIOUSLY SUBMITTED ***
                      PREMIUM REMITTANCE DATA
 
Sincerely yours,
 

Nicolas Retsinas
Assistant Secretary for Housing
- Federal Housing Commissioner
 
     Enclosure
 
_____________________________________________________________________
 
__________________________________________________________________________
 
                                   A C H
 
                         Automated Clearing House
 
                              "NO  MORE  PAPER"
 
    ********************************************************************
    *                                                                  *
    *                                                                  *
    *                                                                  *
    *                                                                  *
    *                                                                  *
    *                                                                  *
    *                                                                  *
    *                                                                  *
    *                                                                  *
    *       GRAPHICS  MATERIAL  IN  ORIGINAL  DOCUMENT  OMITTED        *
    *                                                                  *
    *                                                                  *
    *                                                                  *
    *                                                                  *
    *                                                                  *
    *                                                                  *
    *                                                                  *
    *                                                                  *
    *                                                                  *
    ********************************************************************
 
__________________________________________________________________________
 
_____________________________________________________________________
 
                                CONTENTS
 
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)
Concentration of Funds ...........................
  Terminal Dialogue...................Attachment B
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 connection..............................5
Terminal Connection Numbers...........Attachment D
Terminal dialogue..................5, Attachment B
Terminal operating procedures....................3
Terminal start-up.....................Attachment B
Transactions, number allowed per day.............7
Transmittal time.................................3
Unit number...................See mortgagee number
Upfront premium........................4, 6, (B-4)
Warehousing..................................7, 8
 
_____________________________________________________________________
 
                    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 four weeks.
 
Steps of the Process
 
          1)   Mortgagee reviews package; completes Attachment A; and
               faxes application to:
 
                              (703) 931-3655
 
                                   OR
 
                         forwards the application to:
 
                              U.S. Department of HUD
                                   Room 2238
                              451 7th Street, S.W.
                              Washington, D. C. 20410
 
_____________________________________________________________________
 
          2)   Mortgagee secures equipment needed:
 
               -    IBM compatible PC
 
               -    Hayes compatible modem
 
               -    Communication software package
 
        ================================================================
 
               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.
        ================================================================
 
          3)   Mellon Bank provides personal identification
               number (PIN) to mortgagee.  PIN Number is a
               four-digit number assigned by Mellon Bank.
 
          4)   Mortgagee reviews log-on information on page 6
 
          5)   Process completed
 
                                   2
 
_____________________________________________________________________
                    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.
Information entered after 8:00 p.m. EST, Saturday, Sunday or a holiday
will reflect the next business days transaction date.  Therefore, if
entering information on the 15th day after 8:00 EST, Saturday, Sunday or
a holiday a late charge will be assessed.
 
                                   3
 
_____________________________________________________________________
 
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.
 
                                   4
 
_____________________________________________________________________
 
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.
 
                                   5
 
_____________________________________________________________________
 
     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 (used to remit
                          purchases, additional premiums for purchases
                          and refis and refis with no old case netting)
 
          Company 00038 - Non-monetary Correction for upfront
                          premium data
 
          Company 00631 - Refinance premium (used to remit refis
                          with netting)
 
          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.
 
                                   6
 
_____________________________________________________________________
 
          Each particular unit number (mortgagee number) is
          initially set up for 75 transactions (cases) per day,
          however additional space may be requested at anytime.  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.
 
        _________________________________________________________
 
         For additional transaction space, fax the following
         information to (703) 931-3655.
 
          o    Number of transaction space to be increased
          o    Mortgagee Number
          o    Bank Account Number
          o    Bank's ABA Number (transit routing (TR) - 9 digit
               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)
 
                                   7
 
_____________________________________________________________________
 
     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 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)
 
          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.  Where 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
 
                                   8
 
_____________________________________________________________________
     FAX to 703/931-3655                                    ATTACHMENT A
 
          Application for HUD Single Family Premiums ACH Programs
 
     CHECK THE APPROPRIATE ACH PROGRAM(s)*
 
         UP-FRONT                           Company number**  Output type**
          Corrections**                              38              NO
          Remittance**                               54              AD
          Refund Credit, corrections to new cases**  433             NO
          Refund Credit, remittance**                631             AD
 
         RISK BASED MONTHLY REMITTANCE               70              AD
 
         530 MONTHLY REMITTANCE                      627             AD
          (Type of monitor:
               monochrome or     color)
 
     TYPE OR PRINT CLEARLY
 
     UNIT (Mortgagee) NUMBER:     _ _ _ _ _ _ _ _ _ _ (maximum - 10 digits)
 
     TRANSIT ROUTING NUMBER (Bank Routing Number):
                                         _ _ _ _ _ _ _ _ _ (9 digit number)
 
     BANK ACCOUNT NUMBER:*
                    _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ (maximum - 17 digits)
          (Check one:     checking or     savings)
 
     UNIT (Mortgagee) NAME: _ _ _ _ _ _ _ _ _ _ _ _ _ (maximum - 13 digits)
 
     FULL MORTGAGEE NAME:   _______________________________________________
 
     ADDRESS:               _______________________________________________
 
     CITY, STATE, ZIP       _________________________,_____,_______________
 
     CONTACT NAME & NUMBER: ____________________________(____)_____________
 
     AUTHORIZED BY:         _______________________________________________
                             Signature and Title of Authorizing Official
 
     ......................................................................
                              (For HUD Use Only)
 
      Requested By: _____________________  Effective Date __ __ __ __ __ __
                                                           M  M  D  D  Y  Y
 
       X  ADD               _____________________________________
                                  (Mellon Bank Authorization)
     ......................................................................
 
______________________
*   If you are participating in more than one ACH program and utilizing
    more than one bank account, a separate form must be completed.  This
    form may be reproduced.
**  For Mellon Bank Use Only
_____________________________________________________________________
 
                                                            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)
 
_________________________
 
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)
 
_____________________________________________________________________
 
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)
 
_________________________
 
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)
 
_____________________________________________________________________
 
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
 
     Note:     You are now ready to enter supplemental data.  After
               completing all data fields for any particular company
               and before going on to another company you must enter XX
               to bring you back to the telecash banner.  See page (B-2).
 
                                 (B-3)
 
_____________________________________________________________________
 
Company 00054- Upfront premium (Use for purchases/new FHA loans, FHA-to-FHA
refinances with no old case netting and additional premium amounts.)
 
                                                         Field Length
 FIELD # - FIELD NAME                                   Min         Max
 
          1 - FHA CASE NUMBER:                          10          10
 
          2 - CLOSING DATE:                              6           6
 
          3 - MORTGAGE TYPE (display only):              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)
 
_____________________________________________________________________
 
     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.  Fields 1 through 3 are required.
 
    2.    (1) 1- 215 Months
          (2) 216 - 264 Months
          (3) 265 - 300 Months
          (4) Over 300 Months
 
                                 (B-5)
 
_____________________________________________________________________
 
Company 00631- Refinance premium (Use for FHA-to-FHA refinances with
               netting.)
 
                                                         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 UFMIP AMOUNT:                          2           7
 
          8 - UFMIP REFUND CREDIT:                       2           7
 
          9 - NET UFMIP:                                 0           7
 
          10 - LATE CHARGE:                              0           5
               (display only)
 
          11 - INTEREST DUE:                             0           5
 
          12 - TOTAL CHECK AMOUNT:                       0           7
               (display only)
 
          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)
 
_____________________________________________________________________
 
Company 00631 - Refinance premium (CONTINUED)
 
                                                         Field Length
 FIELD # - FIELD NAME                                   Min         Max
 
          14 - COMPUTED OLD PREMIUM                      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 - REFUND PREM. FACTOR:                      4           5
 
          19 - UFMIP EARNED BY HUD:                      1           6
 
          20 - UFMIP REFUND CREDIT:                      2           6
 
          21 - EXCESS REFUND CREDIT:                     0           6
               (display field)
 
          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, 12, and 21 will be calculated
     by the system.  Calculation edits exist in field 9.  For field 18
     "Refund Prem. Factor", the decimal point is assumed, therefore, key
     all 5 numeric digits (zeroes should also be entered).
 
     Note:  To enter refis when the Refund Credit is greater than the New
     UFMIP Amount and the borrower is receiving a refund use the following
     instructions.  Enter 0 after the mtg. id number in the header field.
     Enter the New UFMIP Amount in fields 7 & 8, therefore the Net UFMIP
     will = 0.  The amount being refunded to the borrower will display in
     field 21 (Excess Refund Credit).
 
                                 (B-7)
 
_____________________________________________________________________
 
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
 
          8 - CORRECTED OLD FHA CASE #:                  0          10
 
          9 - COMPUTED OLD PREMIUM:                      0           6
 
          10 - CORRECTED PERIOD INSURANCE IN MOS:        0           3
 
          11 - CORRECTED TERM MTG IN MONTHS:             0           3
 
          12 - CORRECTED ORIGINAL MTG. AMOUNT:           0           6
 
          13 - CORRECTED REFUND PREMIUM FACTOR:          0           5
 
          14 - CORRECTED UFMIP EARNED BY HUD:            0           6
 
          15 - CORRECTED REFUND FOR CREDIT:              0           6
 
          16 - CORRECTED EXCESS UFMIP REFUND:            0          15
 
     Fields 1 through 3 are required for refinance correction company
     00433.
 
                                 (B-8)
 
_____________________________________________________________________
 
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)
 
_____________________________________________________________________
 
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)
 
_____________________________________________________________________
 
                                                            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)
 
_____________________________________________________________________
 
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)
 
_____________________________________________________________________
 
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)
 
_____________________________________________________________________
 
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)
 
_____________________________________________________________________
 
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           714/358-5022       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)
 
_____________________________________________________________________
 
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 LA.            CA           213/629-4095       300 1200 2400
 
West LA.            CA           213/624-3730                     9600
 
                                 (D-5)
 
_____________________________________________________________________
 
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)
 
_____________________________________________________________________
 
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           202/547-0061       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)
 
_____________________________________________________________________
 
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)
 
_____________________________________________________________________
 
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)
 
_____________________________________________________________________
 
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)
 
_____________________________________________________________________
 
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)
 
_____________________________________________________________________
 
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)
 
_____________________________________________________________________
 
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)
 
_____________________________________________________________________
 
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           314/241-5337       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)
 
_____________________________________________________________________
 
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           919/6834866        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)
 
_____________________________________________________________________
 
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)
 
_____________________________________________________________________
 
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
 
Los Vegas           NV           702/737-1292       300 1200 2400
 
Los 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           607/257-0155       300 1200 2400
 
Lake Grove          NY           516/981-4120       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           914/473-5991       300 1200 2400
 
Rochester           NY           716/647-1567       300 1200 2400
 
                                 (D-17)
 
_____________________________________________________________________
 
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)
 
_____________________________________________________________________
 
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           503/239-6124       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)
 
_____________________________________________________________________
 
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)
 
_____________________________________________________________________
 
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)
 
_____________________________________________________________________
 
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 Angelo          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)
 
_____________________________________________________________________
 
Hampton             VA           804/888-2556       300 1200 2400
 
Monassas            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)
 
_____________________________________________________________________
 
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)