FREE QuickStart 
NFIP IT Services User Guide 
Production Release 1.0 | January 2008 

FREE 

This document is a guide for the NFIP IT Services Flood Rating Engine 
Environment (FREE) application. This guide is divided into several 
parts. The first part provides background on the application and its 
benefits to NFIP stakeholders. The second part serves as a user 
guide for the Web-based access method for the application. The 
third part serves as a user guide for the batch access method for the 
application. 

The FREE application was developed under the NextGen Bureau Systems 
Modernization Project and is released as a production application. With 
your suggestions and feedback, NFIP IT Services continues to improve 
production applications with new features and enhancements. Feel 
free to provide feedback by sending e-mail to nextgen@ostglobal. 
com or calling (202) 467-7602. 

Table of Contents 

OVERVIEW .......................................................................................................... 3
SECTION 1 ......................................................................................................... 4
SECTION 2 ......................................................................................................... 21




FREE OVERVIEW 
Flood Rating Engine Environment (FREE) is an NFIP IT Services application that generates quotes for flood insurance policies, including Regular, Residential 
Condominium Building Association Policy (RCBAP) and Submit-For-Rate (SFR) policies. Authorized NFIP stakeholders can securely log on to a personalized page that 
FREE offers each user, based on their profile, and generate a flood insurance quote. Every quote generated by the user is saved in the database, allowing access to 
those quotes for future reference. Most users will only be able to access their own quotes, with the exception of FEMA Headquarters and Bureau users, who will be 
able to access all quotes created in FREE. 
FREE provides a number of benefits for NFIP stakeholders. Below is a list of the major 
benefits for affected stakeholder groups. 

 Allow underwriters to create NFIP accurate quotes 
 Automate the Submit-For-Rate rating process 
 Improve data accuracy through upfront address and logic edits 
FREE 

The Flood Rating Engine Environment (FREE) vision is to create a single authoritative 
and centralized rating engine for all NFIP stakeholders. It is intended to provide 
Bureau, WYO Company and Vendor underwriters with assistance in creating quotes 
for all types of NFIP policies, including Submit-For-Rate (SFR). It also provides the 
rating edits/validations for the TRRP cycle. FREE generates quotes for the NFIP 
Regular (Standard and RCBAP policy types) and Emergency Program, as well as 
Submit-For-Rate (SFR) quotes, and the rates generated are for new policies issued 
on or after May 1, 2004. 

FREE also provides users with the ability to generate underwriting submissions. 
Underwriting submissions are communications with the NFIP Bureau underwriters 
and may include quote requests, SFR packet submissions or other requests for rating 
or underwriting support. 

FREE was developed by the NextGen Project and is currently a production application 
for NFIP IT Services. The list below provides the new features in this release of the 
application. 

 October 2007 Changes  This release of FREE includes the October 2007 changes 
in the NFIP Flood Insurance Manual. 
 Underwriting Submissions  This release of FREE provides the ability to submit SFR 
packets and other rating and underwriting information to NFIP Bureau underwriters 
for validation and processing. 
The following table provides a list of the typographic conventions used in this 
document. 

Typeface Description Samples 
Italic Italic style is used to denote variable text that must be replaced 
with the appropriate value, such as filenames and form field values. 
It is also used for emphasis. 
fi lename1 
default-value 
Bold Bold style is used to denote GUI elements and text that is to be 
entered, such as window or form fi eld names and keyboard input text. 
Start Menu 
cd .. 
Monospace A monospace font is used to denote command names, on-screen 
computer output and filenames. 
mkdirconfig.sys 

OVERVIEW FREE 
FREE I 3 


SECTION 1 TABLE OF CONTENTS 
FREE 
REAL-TIME PERSON-TO-MACHINE (WEB-BASED) TRANSMISSION METHOD 
The FREE QuickStart is a mini guide to help you get started with the NFIP IT Services Flood Rating Engine 
Environment (FREE) application. The FREE application allows users to rate and quote fl ood insurance 
policies and submit underwriting requests and information through a secure Web portal. 
This guide provides information for all users of the FREE application, including how to navigate the 
application, how to create flood insurance quotes and how to develop underwriting submissions. 
For a complete listing of NFIP IT Services QuickStarts and additional help, please refer to 
http://www.nfi pbureau.fema.gov/help.html. 
OBJECTIVES AND PREREQUISITES 
After reading this guide, users should possess the following skills and knowledge. 
Users should be able to access the FREE application. 
Users should be able to generate a flood insurance quote. 
Users should be able to search for quotes they have previously created. 
Users should be able to submit underwriting requests to the NFIP Bureau. 
Users should be able to download and print saved quotes in Adobe PDF format. 
SYSTEM REQUIREMENTS 
Microsoft Internet Explorer 5.5 or better  Microsoft Internet Explorer for Windows can be downloaded 
for free at http://www.microsoft.com/downloads/results.aspx?productID=&freetext=IE&DisplayL 
ang=en. 
Adobe Reader  The Adobe Reader application can be downloaded for free at http://www.adobe.com. 
RESTRICTED ACCESS 
FREE access is limited to authorized NFIP stakeholders. Contact NFIP IT Services to request an account at 
http://www.nfi pbureau.fema.gov/NGMYProfi le/accountRequest.do. In order to safeguard NFIP 
information that is protected by the Privacy Act, every account request must be approved by the FEMA 
Information Systems Security Officer (ISSO) and the designated Point of Contact (POC) from the users 
organization (e.g., WYO company, vendor, state, etc.). Requests may take up to ten business days to be 
approved, based up on the timeliness of approvals from the appropriate individuals. 
 
 
 
 
 
 
 
Section 1 Table of Contents 
Accessing FREE .................................................. 5 
Login to FREE ..................................................... 6 
Work List Page.................................................... 7 
Create a Quote ................................................... 9 
Upfront Quote Validation ................................... 12 
Quote Output Page ............................................ 13 
Manual Rate Entry ............................................. 14 
Optional Rating .................................................. 15 
Create an Underwriting Submission ............... 16 
Review an Underwriting Submission ............... 19 
FREE I 4 


FREE ACCESSING FREE 
FREE is accessible through the NFIPBureau.FEMA.Gov Web Portal. The following process describes how to access the Portal and the FREE application. 
Open Internet Explorer. Shortcuts for Internet Explorer are typically located 
in the Start Menu or on the Desktop. 
Type http://www.nfi pbureau.fema.gov in the Address bar and press 
<Enter> or click the Go button. 
Click the FREE button. 
Note: When accessing FREE, you will be prompted for your NFIP IT Services 
username and password. 
NFIP IT Tip 
Please note that http://www.nfi pbureau.fema.gov requires Internet 
Explorer 5.5 or better. Performance on other browsers may vary. 
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ACCESSING FREE SECTION 1 
FREE I 5 


FREE LOGIN TO FREE 
FREE users must login to the application to ensure that the right users have access to the right data, as authenticated and authorized by the NFIP IT Services security 
controls. NFIP IT Services utilizes a single sign-on mechanism, which means that users have the same username and password for all applications, such as AW-501 
and SQANet. 
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The following steps should be performed on the login page. 

1 Enter your NFIP IT Services username in the Login: field. 
Note: Your NFIP IT Services username should be the same as your e-mail 
address. 
2 Enter your password in the Password: field. 

3 Click the Login button to complete the sign in process. 

4 Click Agree to confirm your acceptance of the Privacy Statement Notice on 
the following page. 

NFIP IT Tip 
You will be prompted to change your password after you login the fi rst time. 
Directions are provided in the Login & Password QuickStart, located at 
http://www.nfi pbureau.fema.gov/pdf/QuickStart_Login.pdf. Read the 
tips on choosing a secure but memorable password. 
If you encounter issues with your username and password, contact us by 
sending e-mail to nextgen@ostglobal.com or calling (202) 467-7602 for 
assistance. 
SECTION 1 LOGIN TO FREE 
FREE I 6 


FREE WORK LIST PAGE 
The Work List page, also known as the Your Quotes page, is the first page that a user sees when they login to the FREE application. The contents of the Work List are 
customized for each user. Users who are logging in for the first time will have an empty Work List, as shown below, because they have not created any quotes. If you 
have previously created quotes in FREE, those quotes will be displayed in your Work List. The Work List also displays underwriting submissions. 
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WORK LIST PAGE ELEMENTS 

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FREE Primary Navigation Menu  These links provide access to generate a new 
quote, make an underwriting submission, return to the Work List or search for an 
existing quote. 

FREE Secondary Navigation Menu  These links provide access to return to the 
NFIPBureau.FEMA.Gov Web Portal homepage, access FREE online help or logout 
of FREE. 

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FREE Search Bar  These options provide users with the ability to enter parameters 
to search for a group of quotes or a single, specifi c quote. 

NFIP IT Utilities  These links provide access to creating or searching quotes, the 
FREE QuickStart, SQANet and forms to report issues or supply feedback on the 
pilot program. 

NEXTGEN UTILITIES 

The footer for the FREE application pages includes a number of useful links related to 
FREE, other NFIP IT applications and NFIP IT Services. A brief description of several 
important links is provided below. 

 SQANet  This link provides access to Simple and Quick Access Net (SQANet), the 
NFIP IT Business Intelligence application for NFIP reports. 
 Report an Issue or Bug  This link opens a form to communicate any issues or bugs 
that you find during your usage of FREE or other NFIP IT Services applications. We 
recommend that users provide enough details, including screenshots, to identify 
and resolve the issue effectively. 
 Feedback  Feedback is critical to the success of the NFIP IT applications. User 
feedback, both positive and negative, ensures that applications are responsive to 
the needs of NFIP stakeholders. 
FREE Note 
The Your Quotes page is personalized based on your role and authorization. 
Most users will only see their own quotes on the Your Quotes page. 
However, FEMA Headquarters and Bureau users may be able to view 
quotes created by all FREE users. 
SECTION 1 WORK LIST PAGE 
FREE I 7 


FREE WORK LIST PAGE (CONTINUED) 
Users may interact with the Work List page in a variety of ways. They may use this page to create a new quote/underwriting submission, open an existing quote/ 
submission from the Work List, search for quotes/submissions or delete quotes/submissions. 
SECTION 1 WORK LIST PAGE 
FREE Tip 
Each column heading is a link that allows you to sort the Work List by the 
entries in that column. For instance, you can sort the Work List by Quote 
Date to see the most recent entries or by Insured Name to group the Work 
List alphabetically by the last name of the insured. 
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1 Creating a new quote  Click the New Quote link in the FREE Primary Navigation 
Menu to create a new flood insurance quote. 

2 Creating and underwriting submission - Click the Underwriting Submission link 
in the FREE Primary Navigation Menu to create a new underwriting submission. 

3 Open an existing quote/submission  Click the link in the Quote # column to 
open an existing quote/submission. After opening an existing quote, click on the 
Work List link in the upper left-hand corner to return to the Work List. 

4 Search for a quote/submission  There are several search options that provide 
users with the ability to search for specific quotes, a useful feature if your Work 
List contains many entries. Users can switch between viewing either their quotes 
or all quotes that they may access by clicking on the All Quotes / My Quotes 
button. The Company option allows users to search for quotes created by a 
specific company. The State option allows users to search for quotes created for 
properties located in a specific state. The Quote Number option allows users to 
search for a specific quote based on the quote number generated by FREE. Enter 
a specific quote number and click Go to retrieve that quote. The Expert option 
provides expanded search capabilities to query for quotes. 

Delete a quote  FREE provides the capability to delete quotes for users who 
do not want to retain quotes or underwriting submissions for future reference. 
Click the check box to the left of the quote number for one or more quotes in 
the Work List and click the Delete button. 

FREE I 8 


FREE CREATE A QUOTE 
FREEs primary purpose is to provide users with the ability to create flood insurance quotes. Clicking the New Quote link initiates the process of creating a flood 
insurance quote. Users are presented with several pages to enter the information required to create a quote. The fields marked with an asterisk (*) are required fields. 
When the user clicks the Continue button, the data entered on the page is validated and the user is given the opportunity to correct errors identified by FREE. 
Enter data into the fields in the Property Location section. Using the pulldown 
menu, indicate if the location is a descriptive/rural address. Based on the 
selection, FREE will change the data entry fields that are displayed to match the 
address type. The property address is validated against the US Postal Database 
to ensure the quality of the address data. 
Enter the data into the fi elds in the Policy Holder Name section. 
Enter data into the fields in the Policy Term section. The Policy Effective Date 
should be entered in MM/DD/YYYY format. 
Click Continue to validate the data entered on this page and continue to the next 
page. FREE will display error messages for data that is invalid or entered in an 
incorrect format. Click Reset to clear the fields and start over. 
FREE Note 
FREE will only generate quotes for policies with an effective date on or after 
May 1, 2004. Entering a date prior to May 1, 2004 in the Policy Effective 
Date will produce an error message. 
NFIP IT Tip 
FREE contains built-in help for the required data elements. Click on the ? 
symbol located next to the required fields to learn more about the requested 
information. 
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SECTION 1 CREATE A QUOTE 
FREE I 9 


FREE CREATE A QUOTE (CONTINUED) 
After entering data on the initial quote creation page and clicking Continue, the page for address validation and community information is displayed. FREE parses any 
address entered through the NFIP IT Services Location Validation application, providing users with the ability to increase the accuracy of the property address data. 
NFIP IT Tip 
FREE is integrated with NFIP IT Services Location Validation, which means 
that users are not required to enter the whole address. Users can enter a 
partial address, such as street address, city and state or street address and 
5-digit Zip Code. More information about Location Validation can be obtained 
from the Location Validation QuickStart located at 
http://www.nfi pbureau.fema.gov/pdf/quickstart_address.pdf. 
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TheAddress Validation section displays the output from NFIP IT Location Validation. 
If the address is properly matched, FREE will display the NFIP Standardized & 
Valid Address. If several possible matches are found, FREE will display Address 
Suggestions from which the user may choose. If Location Validation is unable 
to make a match, the system will return a Non-Valid Address message. Users 
may modify the address data as many times as they wish in order to validate the 
address. 

Users may choose to rate using either the NFIP Standardized & Valid Address or 
to rate using the address they entered. It is highly recommended that the user 
select the NFIP Standardized & Valid Address, as the user-entered address may 
result in policy errors. 

Enter data into the fields in the Community section. The pulldown menu for CID 
is automatically pre-populated with the Community ID list for all communities in 
the specified state. Optionally, enter FIRM data in the Panel Number and Suffix 
fields. Note: Although optional, FIRM data is required to validate the fl ood zone 
selection in the next section of the quote creation process. 

Click Continue to validate the data entered on this page and continue to the next 
page or click Cancel to exit the quote creation process. FREE will display error 
messages for data that is invalid or entered in an incorrect format. Correct any 
error messages that are displayed and click Continue. 

SECTION 1 CREATE A QUOTE 
FREE I 10 


FREE CREATE A QUOTE (CONTINUED) 
After completing address validation and entering community information, the page for building and coverage information is displayed. Enter or select the appropriate 
information for the fields displayed on this page. 
SECTION 1 CREATE A QUOTE 
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Based on the data entered, the form will hide existing fields or show additional fields 
that are relevant. For instance, policies in B zones do not require elevation information 
for rating. Therefore, if B is entered as the Flood Zone, fields related to elevation (Base 
Flood Elevation, Lowest Adjacent Grade, etc.) will not be displayed. For this reason, it 
is important to fill out this page from top to bottom to avoid unnecessary entry. 

Click Quote to validate the data entered on this page. FREE will display error 
messages for data that is invalid or entered in an incorrect format. Correct any 
error messages that are displayed and click Quote to generate the quote. 

2 Click Reset to clear the fields and start over. 

3 Click Cancel if you wish to exit the quote creation process. 

FREE I 11 


FREE UPFRONT QUOTE VALIDATIONS 
FREE will validate the data entered against a set of business and technical rules. Quotes can not be generated until all errors have been resolved. If the required 
information is not entered or if incorrect information is entered, FREE will display error messages indicating the cause of error. Any error messages will be displayed in 
red at the top of the page and the associated fields in the form will be highlighted. 
SECTION 1 UPFRONT QUOTE VALIDATIONS 
In addition to checking for required fields, FREE performs additional validations 
required to generate the quote. For instance, the application validates the community 
information, flood zone entered, etc. Depending on the community status of 
Participating (Regular or Emergency Program), Non-Participating, On Probation or 
Suspended, FREE will validate property eligibility for flood insurance, if a CRS discount 
is available or if the property is eligible for fl oodproofing credit. FREE also confirms 
the entered flood zone by cross-referencing it with the map panel and suffi x entered 
by the user. 

When all of the validations have been satisfi ed, click Quote to obtain the flood 
insurance quote. 

NFIP IT Tip 
To reduce the likelihood of errors, populate as many data entry fi elds as 
possible, including the input fields and the pulldown menus. Some of the 
fields can be safely left blank, however. For instance, the Machinery Or 
Equipment section can be left blank if no machinery and equipment is 
present inside the structure. 
FREE I 12 


FREE QUOTE OUTPUT PAGE 
After validating all of the entered rating data and calculating the rate information, FREE produces a quote output page. The output page displays all of the information 
entered by the user, such as the insured property address, insured information, property description, elevation information, coverage requested and the total premium 
for the policy. Depending on the information entered by the user, FREE will apply appropriate building and contents rates, appropriate loading to the base rates, CRS 
discount, ICC Premium, Probation Surcharge, if any, and Federal Policy Fee. Based on this, FREE will generate the total premium for the policy. The output page also 
indicates the type of rating, such as Standard or Submit-For-Rate, that was used to rate the policy and any special instructions or links to any pre-filled worksheets that 
may need to submitted in order to write the policy. 
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For Submit-For-Rate quotes, FREE automatically creates Elevated/Non-Elevated 
worksheets based on the information entered by the user. The user may view, edit 
and download these worksheets for use in submitting the policy. 

1 Click the Print button to open a print-friendly version of the quote in a new window 
without the header and footer from the FREE application. Users can print this 
version on their local printer. 

2 Click the Re-Rate button to modify or update the information used to rate the 
policy. This will return the user to the input page. 

3 Click the Submit or View this NFIP Bureau SFR Packet Submission. check box to 
create an underwriting submission based on this quote. 

FREE I 13 

QUOTE OUTPUT PAGE 

FREE MANUAL RATE ENTRY 
There may be certain situations in which a special rate, surcharge or discount is applicable to a flood insurance policy. For these situations, if rates are unavailable, 
FREE allows users to manually enter the rates and calculate the total premium. Users can communicate with NFIP Bureau Personnel to obtain these special rates and 
follow the steps below to calculate the total premium. 
In the Quote Over-Ride section, enter the basic and additional limits, rates and 
deductible for the desired building and contents coverage. 
Enter the ICC Premium, CRS Premium Discount, Probation Surcharge and Federal 
Policy Fee for the quote. 
Click Quote to calculate the total premium based on manual rate entry. FREE will 
display error messages for data that is invalid or entered in an incorrect format. 
Click Reset to clear the fields and start over. 
Click Cancel to exit the manual rate entry process. 
FREE Note 
For the current version of FREE, Manual Rate Entry is only available for 
Unnumbered V Zones. 
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SECTION 1 MANUAL RATE ENTRY 
FREE I 14 


FREE OPTIONAL RATING 

The current release of FREE does not include the optional rating capability for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30, and 
Pre-FIRM buildings with Sub-grade Crawl Space. However, users can manually compare these rates and determine which premium is preferable. FREE will provide 
Pre- and Post-FIRM rates for the same structure and elevation information with different construction dates. 

This method is not required, but it does provide users with the ability to compare 
rating methods to decide which will be most beneficial to the insured. Because the 
construction date must be altered to conduct the comparison, NFIP IT Services 
strongly discourages the use of FREE in this manner for official fl ood insurance 
application purposes until this functionality is developed within FREE. 

To determine the optional premium (Post-FIRM elevation rate), manually change the 
construction date in a quote with the Pre-FIRM construction date by clicking the Re-
Rate button. Change the construction date to any 1975-81 Post-FIRM or Post 1981 
date for VE/V1-30 Zones, and any Post-FIRM date for non-elevated buildings with 
sub-grade crawl-space. This will obtain rates for the same structure, but the modified 
construction date will provide Post-FIRM rates. Compare the premium obtained in 
order to decide which rating method is more cost-effective for the insured. 

SECTION 1 OPTIONAL RATING 
FREE I 15 


FREE CREATE AN UNDERWRITING SUBMISSION 
FREE provides the ability to submit underwriting requests to the NFIP Bureau. These requests, known as underwriting submissions, may be created as part of the 
quote creation process or separately. Underwriting submissions are categorized and organized based on a request type. Additionally, they are tracked throughout 
their workflow using status options. 
UNDERWRITING SUBMISSIONS CATEGORY 

 SFR Packet Submission: This is used to identify submissions that contain all of the 
information to issue a submit-for-rate policy. 
 Quote Request: This is used to identify submissions that request quotes from the 
NFIP Bureau. 
 NFIP Bureau Rating Support: This is used to identify submissions that request 
assistance rating fl ood risks. 
 NFIP Underwriting Question: This is used to identify questions related to 
underwriting. 
 Other: This is used to identify all other submissions. 
UNDERWRITING SUBMISSION TYPES 

 Special Rating Quote: These are requests for special rating assistance that are not 
specifically related to submit-for-rate risks. 
 SFR Quote: These are requests for submit-for-rate quotes. 
 Other Quote: These are requests for other types of quotes. 
 New Business: These are requests that include information to issue new business 
policies. 
 Endorsement: These are requests that include information to endorse existing 
policies. 
 Renewal: These are requests that include information to renew existing policies. 
 Question: These are requests with questions for the NFIP Bureau. 
 Other: These are all other types of requests. 
FREE STATUS OPTIONS 

 FREE Quote: These are quotes created by users within FREE. 
 Bureau Rating Request: These are submissions that have been sent for NFIP 
Bureau Rating Support. 
 Bureau Quote: These are NFIP Bureau Rating Support submissions that have been 
approved by the NFIP Bureau. 
 FEMA Special Rate Quote: These are submissions that have been sent for SFR 
Special Rating. 
 SFR Submitted: These SFR submissions have been submitted to the NFIP Bureau 
and are awaiting review. 
 SFR Under Review: These SFR submissions are being reviewed and may not be 
edited at this time. 
 SFR Approved: These SFR submissions have been reviewed by the NFIP Bureau 
and have been approved. 
 SFR Rejected/Need More Info: These underwriting submissions have been 
reviewed by FEMA but require additional information before the submission can 
be approved. 
FREE Tip 
If you need to modify an underwriting submission that has not been processed 
by the NFIP Bureau, you can open the submission and click the Un-Submit 
button. After the submissions status has changed, you will be able to modify 
the submission and then re-submit. 
SECTION 1 CREATE AN UNDERWRITING SUBMISSION 
FREE I 16 


FREE CREATE AN UNDERWRITING SUBMISSION (CONTINUED) 
Clicking the Submit or View this NFIP Bureau SFR Packet Submission. check box on the quote output page will generate an underwriting submission based on the 
quote. FREE will populate many of the submission fields based on the information contained in the quote. 
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Select the submission type from the Submission Request: pulldown. 
Select the request type from the Request Type: pulldown. 
Select the WYO Company, if applicable, from the WYO Company: pulldown. 
Optional. Enter the policy number submitted through TRRP in the TRRP Policy 


Number: field. 
Optional. Enter an internal policy identifier in the Company Unique No: field. 
Enter any notes about the request or comments for the underwriter in the Note:


field. 


If supporting documentation is required, select and upload the electronic files 
using the Browse button. 
Click Cancel to exit the underwriting submission process. 
Click Submit to FEMA/Bureau to save the underwriting submission.


FREE Tip 
Make sure to include all of the appropriate supporting documentation for 
your request, especially in the case of SFR packet submissions. 
CREATE AN UNDERWRITING SUBMISSION SECTION 1 
FREE I 17 


FREE CREATE AN UNDERWRITING SUBMISSION (CONTINUED) 
Clicking the Underwriting Submission button on the FREE Primary Navigation Menu will start the process of creating an underwriting submission. This method of 
creating an underwriting submission is designed for submissions that are not associated with an existing FREE quote. 
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Enter the address and policyholder information in the appropriate fields.
Select the submission type from the Submission Request: pulldown.
Select the request type from the Request Type: pulldown.
Select the WYO Company, if applicable, from the WYO Company: pulldown.
Optional. Enter the policy number submitted through TRRP in the TRRP Policy 


Number: field.
Optional. Enter an internal policy identifier in the Company Unique No: field.
Enter any notes about the request or comments for the underwriter in the Note:


field.


If supporting documentation is required, select and upload the electronic files 
using the Browse button.
Click Cancel to exit the underwriting submission process.
Click Submit to FEMA/Bureau to save the underwriting submission. 


FREE Tip 
To remove a fi le that has been uploaded from a submission, clear the check 
box to the left of the file name and the un-selected file will not be included in 
the supporting documentation. 
SECTION 1 CREATE AN UNDERWRITING SUBMISSION 
FREE I 18 


FREE REVIEW AN UNDERWRITING SUBMISSION 
NFIP Bureau users may review underwriting submissions and provide their approval on the submission using FREE. The review process is similar for all types of 
underwriting submissions, although the screens that are displayed will vary slightly based on whether the submission was created from a FREE quote. 
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On the Work List, click the link in the Quote # column to open an underwriting 
submission and start the review process. If the underwriting submission was not 
created based on a FREE quote, the application will display the underwriting 
submission page containing the information that was submitted. If the underwriting 
submission was created based on a FREE quote, the application will display the quote 
output page. 

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Click Cancel to return to the Work List. 

Click Review Submission to start the process of reviewing the underwriting 

submission. 

Click the Submit or View this NFIP Bureau SFR Packet Submission. check box to 

view the underwriting submission page. 

Click the Print button to open a print-friendly version of the underwriting 

submission. 

Click the Re-Rate button to modify or update the information used to rate the 
policy. 

REVIEW AN UNDERWRITING SUBMISSION 
FREE I 19 


The Review Submission Information section contains information on the submission, 
including address data, request category/type, WYO company policy information and 
notes made by the submitter. 
The Compliance Review & Response section allows the reviewer to enter information 
on the submission. 
FREE REVIEW AN UNDERWRITING SUBMISSION (CONTINUED) 
After clicking on the Review Submission button, the FEMA/Bureau Review page is displayed. This page allows users to view additional information about the 
underwriting submission and to enter information about the submission. 
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1 Click the check boxes for any missing supporting documentation in the Incomplete 
Supporting Documentation: area. 

Note: The available check boxes will vary based on whether the underwriting 
submission was created from a FREE quote, as depicted in the image on the 
left. 

2 If there is any reference documentation to be supplied by the NFIP Bureau, select 
and upload the electronic files using the Browse button in the NFIP Underwriting 
Reference Documentation: area. 

3 Select the type of reference documentation from the NFIP Underwriting Reference 
Type: pulldown. 

4 Enter comments on the underwriting submission in the Note: field. 

The Update Workflow Status & Save section allows the reviewer to update the status 
of the underwriting submission and save any changes that have been made. 

5 Select the updated status from the Update FREE Compliance Status: pulldown. 

6 Click Cancel to exit the underwriting submission review process. 

7 Click Save to confirm the changes made to the underwriting submission. 

SECTION 1 REVIEW AN UNDERWRITING SUBMISSION 
FREE I 20 


SECTION 2 TABLE OF CONTENTS 
FREE 
ASYNCHRONOUS MACHINE-TO-MACHINE (BATCH) TRANSMISSION METHOD 
The FREE Batch QuickStart is a mini guide to help you get started with the NFIP IT Services Flood Rating 
Engine Environment (FREE) application batch transaction mode. The NFIP IT Services FREE Batch 
application allows users to rate and quote multiple flood insurance policies through secure machine-to-
machine transmissions. 
This guide provides information for technical personnel involved in the setup of FREE Batch submissions, 
including the data elements that must be sent, how the input and output files are formatted and how to 
transmit and receive files. 
For a complete listing of NFIP IT Services QuickStarts and additional help, refer to http://www.nfi pbureau.fema. 
gov/help.html. 
OBJECTIVES AND PREREQUISITES 
After reading this guide, users should possess the following skills and knowledge. 
 Users should be able to format input fi les for batch quote rating. 
 Users should be able to receive output files with fl ood insurance quotes. 
SYSTEM REQUIREMENTS 
 Ability to generate formatted batch input files 
RESTRICTED ACCESS 
FREE Batch access is limited to authorized NFIP stakeholders. Contact NFIP IT Services to request an 
account at http://www.nfi pbureau.fema.gov/NGMyProfi le/accountRequest.do. In order to safeguard 
NFIP information that is protected by the Privacy Act, every account request must be approved by the 
FEMA Information Systems Security Officer (ISSO) and the designated Point of Contact (POC) from the 
users organization (e.g., WYO company, vendor, state, etc.). Requests may take up to ten business days to 
be approved, based up on the timeliness of approvals from the appropriate individuals. 
Section 2 Table of Contents 
Batch File Format ............................................. 22 
Basement/Subgrade Crawl Space FieldDescriptions and Use....................................... 23 
Record Layouts ................................................. 24 
Data Dictionary ................................................ 32 
Codes, Flags and Indicators ............................ 44 
FREE I 21 


FREE BATCH FILE FORMAT 
FREE Batch provides stakeholders with the ability to create quotes for multiple flood insurance policies through the exchange of flat, ASCII text files that are similar 
to TRRP transaction files. Stakeholders must be able to generate an input file for the FREE Batch process following the specifications provided in this document. The 
input file should contain all of the data required by FREE Batch to generate a quote. FREE Batch will return to stakeholders an output file that contains the results of 
the batching process, with all of the quotes that passed and failed the rating process. 
FREE Batch utilizes many of the data elements that are specified by the WYO 
TRRP Plan. However, some of the data elements may allow a longer field length 
or utilize different coding schemes. There are also some differences between 
the way FREE Batch files and TRRP transaction files are formatted. The following 

list describes the key rules for formatting the batch quote file. 

 All fields, including alpha, alphanumeric and numeric fields, are left-justified 
with trailing spaces. 
 Decimals in numeric fields are explicitly indicated, rather than implied. 
 Signed, numeric fields, such as negative elevations, are explicitly indicated 
(e.g. -2, -3.51). 
 Alphabetic codes, flags and indicators are indicated in uppercase characters. 
 Spaces or blanks in a field are used to indicate not reporting or default values 
(i.e. elevation data). 
NAMING CONVENTION 

The FREE Batch input file should follow the naming convention specified below. 
11QXXXXX.YYYYMMDDHHMM.DAT 

The FREE Batch output file will follow the naming convention specified below. 
12QXXXXX.YYYYMMDDHHMM.DAT 

XXXXX = Company NAIC Number 
YYYY = Year 
MM = Month 
DD = Date 
HH = Hour 
MM = Minute 

WYO companies may send more than one FREE Batch file per day. For each new 
file, the time fields should be updated. For instance, if a company with the WYO 
Prefix Code of 56789 sends two files on February 1, 2007 at 10am and 1pm, 
the files would be named as follows.

 11Q56789.200702011000.DAT 
11Q56789.200702011300.DAT


SECTION 2 BATCH FILE FORMAT 
FREE I 22 


FREE BASEMENT/SUBGRADE CRAWL SPACE FIELD DESCRIPTIONS AND USE 
In order to ensure that structures with basements or subgrade crawl spaces are properly rated, it is important to indicate the proper information in the fi elds related 
to basements and subgrade crawl spaces. Under NFIP regulations, a crawl space with its interior floor below grade on all sides, known as a subgrade crawl space, 
is considered a basement, and therefore the Standard Flood Insurance Policy basement coverage limitations apply. For the purposes of coding, such a structure is 
coded as a non-elevated structure with basement. 
Basement - A basement is defined as any area of the building, including any 
sunken room or sunken portion of a room, having its floor below ground level 
(subgrade) on all sides. 

Subgrade crawl space  The under-floor is considered a subgrade crawl space 
under following conditions 

 Its interior floor is within 2 feet below grade (LAG) on all sides, and 
 Its interior floor is within 5 feet from the top of the next higher fl oor, and 
 The elevation of the crawl space floor is below the Base Flood Elevation (BFE) 
The following instructions describe the usage of the fields related to basements 
and subgrade crawl spaces within the 11Q layout. 

Basement Present  This field must be set to Y, for non-elevated buildings if 
the building has either a basement or a subgrade crawl space. 

Basement Type  This field is only used for basements to indicate either 
Finished or Unfinished, but not for subgrade crawl spaces, which are always 
unfinished. 

Subgrade Crawl-Space Present  This field must be set to Y if the building has 
a subgrade crawl space. 

The following examples describe how to indicate basements and subgrade crawl 
spaces in the 11Q input record. 

 If the building has a basement, the Basement Present field must be set to Y, 
the Basement Type field may be set to 2 (unfinished) or 3 (fi nished), depending 
on the type of basement present, and the Subgrade Crawl Space Present field 
must be blank. 
 If the building has a subgrade crawl space, the Basement Present fi eld must 
be set to Y, the Basement Type field must be blank and the Subgrade Crawl 
Space Present field must be set to Y. 
Refer to the Data Dictionary section and the Codes, Flags and Indicators section 
for additional information on basement fields. 

SECTION 2 BASEMENT FIELDS 
FREE I 23 


FREE RECORD LAYOUTS 
This section provides a description of the record layout for the batch quote inputs and outputs. The description includes the field length, record position, data type, 
special formatting considerations, whether the data element is common to the TRRP and, in the case of input files, the required status of each field. 
11Q BATCH QUOTE INPUT


Data Element Field Length Position Data Type Format Required TRRP Plan 
Transaction Info 
WYO Transaction Code 4 1-4 Character Y Y 
WYO Prefi x Code 5 5-9 Character Y Y 
WYO Transaction Date 8 10-17 Date YYYYMMDD Y Y 
Quote Number 9 18-26 Number N N 
Property Location & Policy Holder Name 
Descriptive/Rural Address Code 4 27-30 Character Y N 
Building Use 50 31-80 Character Y N 
Property Address 50 80-130 Character Y Y 
Descriptive Address 200 131-330 Character Y N 
Unit Number 10 331-340 Character Y N 
Property City 30 341-370 Character Y Y 
Property State 4 371-374 Character Y Y 
Property Urbanization 50 375-424 Character Y N 
Zip Code 14 425-438 Character Y N 
Zip Code+4 4 439-442 Character Y N 
Insured First Name 25 443-467 Character Y Y 
Insured Last Name 25 468-492 Character Y Y 
Insured Company/Organization 50 493-542 Character Y N 
Policy Term 
Policy Effective Date 8 543-550 Date YYYYMMDD Y Y 
Community 
Community Identifi cation Number 6 551-556 Character Y Y 
Map Panel Number 6 557-562 Character Y Y 
Map Panel Suffix 4 563-566 Character Y Y 
Flood Risk Zone 4 567-570 Character Y Y 
SECTION 2 RECORD LAYOUTS 
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FREE RECORD LAYOUTS (CONTINUED) 
11Q BATCH QUOTE INPUT


Data Element Field Length Position Data Type Format Required TRRP Plan 
Construction Data 
Construction Date Code 4 571-574 Number Integer Y N 
Construction Date 8 575-582 Date YYYYMMDD Y Y 
Elevation Certifi cate Indicator 4 583-586 Character Y Y 
Building 
Occupancy Type 4 587-590 Character Y Y 
Number of Floors/Building Type 4 591-594 Number Integer Y Y 
Condo Coverage Type 4 595-598 Number Integer Y N 
Condominium Indicator 4 599-602 Character Y Y 
Condominium Master Policy Units 10 603-612 Number Integer Y Y 
Replacement Cost 20 613-632 Number Integer Y Y 
Elevated Building Indicator 4 633-636 Character Y Y 
Attached Garage 4 637-640 Character Y N 
Garage Present 4 641-644 Character Y N 
Non-Elevated Building 
Basement Type 4 645-648 Number Integer Y Y 
Basement Present 4 649-652 Character Y N 
Sub-Grade Crawl Space Present 4 653-656 Character N 
Machinery or Equipment Present in Basement 4 657-660 Character Y N 
Estimated Size of Sub-Grade Crawl Space 10 661-670 Number Integer Y N 
Sub-Grade Crawl Space Constructed with Proper Openings 4 671-674 Character Y N 
Elevated Building 
Building Over Water 4 675-678 Number Integer Y N 
Part of Support System In the Water 20 679-698 Character Y N 
Enclosure Type 4 699-702 Number Integer Y Y 
Enclosure Present 4 703-706 Character Y N 
Enclosure Construction Materials 4 707-710 Number Integer Y N 
Estimated Size of Enclosed Area 10 711-720 Number Integer Y N 
Enclosure Constructed with Proper Openings 4 721-724 Character Y N 
Enclosure Use 4 725-728 Character Y N 
SECTION 2 RECORD LAYOUTS 
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FREE RECORD LAYOUTS (CONTINUED) 
11Q BATCH QUOTE INPUT


Data Element Field Length Position Data Type Format Required TRRP Plan 
Attached Garage 
Garage Constructed with Proper Openings 4 729-732 Character Y N 
Garage Use 4 733-736 Character Y N 
Machinery or Equipment Present in Garage 4 737-740 Character Y N 
Elevation Data 
Estimated Base Flood Elevation Provided 4 741-744 Character Y N 
Base Flood Elevation 10 745-754 Number Integer Y Y 
Estimated Base Flood Elevation 10 755-764 Number Integer Y N 
Base Flood Depth 10 765-774 Number Integer Y N 
Highest Adjacent Grade 10 775-784 Number Up to 1 Decimal Y N 
Lowest Adjacent Grade 10 785-794 Number Up to 1 Decimal Y Y 
Bottom of Lowest Horizontal Structural Member 10 795-804 Number Up to 1 Decimal Y N 
Bottom of Slab/Enclosure Floor 10 805-814 Number Up to 1 Decimal Y N 
Top of Bottom Floor 10 815-824 Number Up to 1 Decimal Y N 
Top of Lowest Elevated Floor/Top of Next Higher Floor 10 825-834 Number Up to 1 Decimal Y N 
Floodproofed Indicator 4 835-838 Character Y Y 
Flood Proof Elevation 10 839-848 Number Integer Y N 
Elevation of Machinery or Equipment 10 849-858 Number Up to 1 Decimal Y N 
Top of Garage Floor 10 859-868 Number Up to 1 Decimal Y N 
Machinery or Equipment 
Value of Machinery or Equipment 17 869-885 Number Integer Y N 
Coverage Type 
Coverage Requested 4 886-889 Number Integer Y N 
Total Amount of Insurance - Building 12 890-901 Number Integer Y Y 
Total Amount of Insurance - Contents 12 902-913 Number Integer Y Y 
Deductible - Building 17 914-930 Number Integer Y Y 
Deductible - Contents 17 931-947 Number Integer Y Y 

SECTION 2 RECORD LAYOUTS 
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FREE RECORD LAYOUTS (CONTINUED) 
11Q BATCH QUOTE INPUT


Data Element Field Length Position Data Type Format Required TRRP Plan 
Contents 
Location of Contents Indicator 4 948-951 Number Integer Y Y 
Appliance Present 4 952-955 Character Y N 
Location of Appliance 4 956-959 Character Y N 
Number Of Appliance Sets 10 960-969 Number Integer Y N 
Notes 
Quote Notes 200 970-1169 Character Y N 
SECTION 2 RECORD LAYOUTS 
FREE I 27 


FREE RECORD LAYOUTS (CONTINUED) 
12Q BATCH QUOTE OUTPUT


Data Element Field Length Position Data Type Format TRRP Plan 
Transaction Info 
WYO Transaction Code 4 1-4 Character Y 
WYO Prefi x Code 5 5-9 Character Y 
Quote Number 9 10-18 Number Integer N 
Quote Status 4 19-22 Character N 
Rejected Transaction Control Number 15 23-37 Number Integer Y 
WYO Transaction Date 8 38-45 Date YYYYMMDD Y 
Load Date 8 46-53 Date YYYYMMDD N 
Processing Date 8 54-61 Date YYYYMMDD N 
Building 
Amount of Building Insurance (Basic Limits) 17 62-78 Number Integer N 
Basic Building Rate WYO 5 79-83 Number Up to 3 Decimals Y 
Annual Building Premium (Basic Limits) 17 84-100 Number Integer N 
Amount of Building Insurance (Additional Limits) 17 101-117 Number Integer N 
Additional Building Rate WYO 5 118-122 Number Up to 3 Decimals Y 
Annual Building Premium (Additional Limits) 17 123-139 Number Integer N 
Building Premium Reduction/Increase (Deductible) 17 140-156 Number Integer N 
Total Amount of Insurance - Building 12 157-168 Number Integer Y 
Total Building Premium 17 169-185 Number Integer N 
Contents 
Amount of Contents Insurance (Basic Limits) 17 186-202 Number Integer N 
Basic Contents Rate WYO 5 203-207 Number Up to 3 Decimals Y 
Annual Contents Premium (Basic Limits) 17 208-224 Number Integer N 
Amount of Contents Insurance (Additional Limits) 17 225-241 Number Integer N 
Additional Contents Rate WYO 5 242-246 Number Up to 3 Decimals Y 
Annual Contents Premium (Additional Limits) 17 247-263 Number Integer N 
Contents Premium Reduction/Increase (Deductible) 17 264-280 Number Integer N 
Total Amount of Insurance - Contents 12 281-292 Number Integer Y 
Total Contents Premium 17 293-309 Number Integer N 

SECTION 2 RECORD LAYOUTS 
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FREE RECORD LAYOUTS (CONTINUED) 
12Q BATCH QUOTE OUTPUT


Data Element Field Length Position Data Type Format TRRP Plan 
Total 
Annual Subtotal 17 310-326 Number Integer N 
ICC Premium 17 327-343 Number Integer N 
Annual + ICC Premium Subtotal 17 344-360 Number Integer N 
CRS Premium Discount 17 361-377 Number Integer N 
CRS Premium Discount Subtotal 17 378-394 Number Integer N 
Probation Surcharge Amount WYO 17 395-411 Number Integer Y 
Federal Policy Fee 17 412-428 Number Integer Y 
Total Prepaid Amount 17 429-445 Number Integer N 
Additional Info 
Policy Type 4 446-449 Character N 
Eligible for PRP 4 450-453 Character N 
Repetitive Loss Target Group Indicator 4 454-457 Character Y 
Program Type 4 458-461 Character N 
Community Status 4 462-465 Character N 
Occupancy Type 4 466-469 Character Y 
Construction Date 8 470-477 Date YYYYMMDD Y 
Post-FIRM Construction Indicator 4 478-481 Character Y 
Map Panel Number 6 482-487 Character Y 
Map Panel Suffix 4 488-491 Character Y 
Map Effective Date 8 492-499 Date YYYYMMDD N 
Flood Risk Zone 4 500-503 Character Y 
Number of Floors/Building Type 4 504-507 Number Integer Y 
Condo Coverage Type 4 508-511 Number Integer N 
Basement Type 4 512-515 Number Integer Y 
Enclosure Type 4 516-519 Number Integer Y 

SECTION 2 RECORD LAYOUTS 
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FREE RECORD LAYOUTS (CONTINUED) 
12Q BATCH QUOTE OUTPUT


Data Element Field Length Position Data Type Format TRRP Plan 
Estimated Size of Sub-Grade Crawl Space 10 520-529 Number Integer N 
Garage Constructed with Proper Openings 4 530-533 Character N 
Sub-Grade Crawl Space Constructed with Proper Openings 4 534-537 Character N 
Attached Garage 4 538-541 Character N 
Machinery or Equipment Present in Garage 4 542-545 Character N 
Value of Machinery or Equipment 17 546-562 Number Integer N 
Location of Contents Indicator 4 563-566 Number Integer Y 
Appliance Present 4 567-570 Character N 
Location of Appliance 4 571-574 Character N 
Number of Appliance Sets 10 575-584 Number Integer N 
Total Amount of Insurance - Building (Requested) 12 585-596 Number Integer Y 
Total Amount of Insurance - Contents (Requested) 12 597-608 Number Integer Y 
Deductible - Building 17 609-625 Number Up to 2 Decimals Y 
Deductible - Contents 17 626-642 Number Up to 2 Decimals Y 
Deductible Factor 5 643-647 Number Up to 3 Decimals N 
Elevation Difference 10 648-657 Number Signed, Up to 3 Decimals Y 
Replacement Cost 20 658-677 Number Integer Y 
Base Flood Elevation 10 678-687 Number Integer Y 
Highest Adjacent Grade 10 688-697 Number Up to 1 Decimal N 
Lowest Adjacent Grade 10 698-707 Number Signed, Up to 1 Decimal Y 
Bottom of Lowest Horizontal Structural Member 10 708-717 Number Up to 1 Decimal N 
Bottom of Slab/Enclosure Floor 10 718-727 Number Up to 1 Decimal N 
Top of Bottom Floor 10 728-737 Number Up to 1 Decimal N 
Top of Lowest Elevated Floor/Top of Next Higher Floor 10 738-747 Number Up to 1 Decimal N 
Floodproofed Indicator 4 748-751 Character Y 
Eligible for Floodproofi ng Credit 4 752-755 Character N 
Flood Proof Elevation 10 756-765 Number Integer N 
Elevation of Machinery or Equipment 10 766-775 Number Signed, Up to 1 Decimal N 

SECTION 2 RECORD LAYOUTS 
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FREE RECORD LAYOUTS (CONTINUED) 
12Q BATCH QUOTE OUTPUT


Data Element Field Length Position Data Type Format TRRP Plan 
Top of Garage Floor 10 776-785 Number Up to 1 Decimal N 
Building Over Water 4 786-789 Number Integer N 
Part of Support System In the Water 20 790-809 Character N 
Building Basic Start Rate (Amount) 5 810-814 Number Up to 3 Decimals N 
Building Basic Start Rate (Elevation Difference) 10 815-824 Number Signed, Up to 3 Decimals N 
Enclosure Loading (Amount) 6 825-830 Number Up to 2 Decimals N 
Enclosure Loading (Elevation Difference) 10 831-840 Number Up to 3 Decimals N 
Machinery or Equipment Loading (Amount) 17 841-857 Number Up to 2 Decimals N 
Machinery or Equipment Loading (Elevation Difference) 10 858-867 Number Signed, Up to 3 Decimals N 
Contents Basic Start Rate (Amount) 5 868-872 Number Up to 3 Decimals N 
Contents Basic Start Rate (Elevation Difference) 10 873-882 Number Signed, Up to 3 Decimals N 
Appliance Loading (Amount) 6 883-888 Number Up to 2 Decimals N 
Appliance Loading (Elevation Difference) 10 889-898 Number Signed, Up to 3 Decimals N 
Error Text 1000 899-1898 Character N 

SECTION 2 RECORD LAYOUTS 
FREE I 31 


Data Element: Amount of Building Insurance (Additional Limits) 
Description: This is the amount of building insurance requested under the 
Additional Limits established by the NFIP for Regular Program policies. 
Edit Criteria: Numeric in dollars 
Length: 17 
FREE DATA DICTIONARY 
This section contains the data dictionary for the batch quote data elements that are not specified in the WYO TRRP Plan or utilize different codes than those specified 
by the TRRP Plan. Each dictionary definition includes the name of the data element, any aliases, a description of the data element, edit/data type criteria and the 
length of the field in the batch quote record. 
Data Element: Annual + ICC Premium Subtotal 
Description: This is the subtotal of dollar amount the building and contents, 
plus any ICC premiums. 
Edit Criteria: Numeric in dollars 
Length: 17 
Data Element: Amount of Building Insurance (Basic Limits) 
Description: This is the amount of building insurance requested under the 
Basic Limits established by the NFIP. 
Edit Criteria: Numeric in dollars 
Length: 17 
Data Element: Amount of Contents Insurance (Additional Limits) 
Description: This is the amount of contents insurance requested under the 
Additional Limits established by the NFIP for Regular Program policies. 
Edit Criteria: Numeric in dollars 
Length: 17 
Data Element: Amount of Contents Insurance (Basic Limits) 
Description: This is the amount of contents insurance requested under the 
Basic Limits established by the NFIP. 
Edit Criteria: Numeric in dollars 
Length: 17 
Data Element: Annual Building Premium (Additional Limits) 
Description: This is the premium amount for the building insurance 
requested under the Additional Limits established by the NFIP for Regular 
Program policies. 
Edit Criteria: Numeric in dollars 
Length: 17 
Data Element: Annual Building Premium (Basic Limits) 
Description: This is the premium amount for the building insurance 
requested under the Basic Limits established by the NFIP 
Edit Criteria: Numeric in dollars 
Length: 17 
Data Element: Annual Contents Premium (Additional Limits) 
Description: This is the premium amount for the contents insurance 
requested under the Additional Limits established by the NFIP for Regular 
Program policies. 
Edit Criteria: Numeric in dollars 
Length: 17 
SECTION 2 DATA DICTIONARY 
FREE I 32 


FREE DATA DICTIONARY (CONTINUED)


Data Element: Annual Contents Premium (Basic Limits) 
Description: This is the premium amount for the contents insurance 
requested under the Basic Limits established by the NFIP. 
Edit Criteria: Numeric in dollars 
Length: 17 
Data Element: Annual Subtotal 
Description: This is the subtotal of the dollar amount for the building and 
contents premiums. 
Edit Criteria: Numeric in dollars 
Length: 17 
Data Element: Appliance Present 
Description: This code indicates if appliances are present inside the insured 
property. 
Edit Criteria: Alphanumeric, Acceptable Values: 
Y  Yes 
N  No 
Length: 4 
Data Element: Appliance Loading (Amount) 
Description: This is the appliance loading amount, in dollars, based on the 
lowest floor elevation difference and the number of appliance sets. 
Edit Criteria: Numeric 
Length: 6 
Data Element: Appliance Loading (Elevation Difference) 
Description: This is the lowest floor elevation difference used to calculate the 
appliance loading for any appliances in the enclosed area below the lowest 
elevated fl oor. 
Edit Criteria: Numeric, may be positive or negative 
Length: 10 with an explicit decimal of up to three positions 
Data Element: Attached Garage 
Description: This code indicates if the insured property has an attached 
garage. 
Edit Criteria: Alphanumeric, Acceptable Values: 
Y  Yes 
N - No 
Length: 4 
Data Element: Base Flood Depth 
Description: This is the depth shown on the Flood Insurance Rate Map for 
Zone AO that indicates the depth of water above highest adjacent grade 
resulting from a flood that has a 1 percent chance of equaling or exceeding 
that level in any given year. 
Edit Criteria: Numeric 
Length: 10 with an explicit decimal of up to one position 
SECTION 2 DATA DICTIONARY 
FREE I 33 


FREE DATA DICTIONARY (CONTINUED)


Data Element: Basement Present 
Description: This code indicates if there is a basement in the insured 
building. Basement is defined for purposes of the NFIP as any area of the 
building, including any sunken room or sunken portion of a room, having its 
floor below ground level (subgrade) on all sides. 
Edit Criteria: Alphanumeric, Acceptable Values: 
Y  Yes 
N - No 
Length: 4 
Data Element: Basement Type 
Description: This code indicates the type of basement in the insured building. 
Basement is defined for purposes of the NFIP as any area of the building, 
including any sunken room or sunken portion of a room, having its fl oor below 
ground level (subgrade) on all sides. 
Edit Criteria: Numeric, Acceptable Values: 
2  Finished 
3 - Unfinished 
Length: 4 
Data Element: Building Basic Start Rate (Amount) 
Description: This is the basic building rate based on the elevation difference 
of the lowest floor for the insurance requested under Basic Limits. 
Edit Criteria: Numeric 
Length: 5 with an explicit decimal of up to two positions 
Data Element: Building Basic Start Rate (Elevation Difference) 
Description: This is the lowest floor elevation difference used to calculate the 
Building Basic Start Rate (Amount). 
Edit Criteria: Numeric, may be positive or negative 
Length: 10 with an explicit decimal of up to three positions 
Data Element: Building Premium Reduction/Increase (Deductible) 
Description: This is the dollar amount of building premium increase or 
decrease based on the Deductible Factor selected by the insured. 
Edit Criteria: Numeric in dollars 
Length: 17 
Data Element: Bottom of Lowest Horizontal Structural Member 
Description: This indicates the elevation of the bottom of the lowest 
horizontal structural member. 
Edit Criteria: Numeric 
Length: 10 with an explicit decimal of up to one position 
SECTION 2 DATA DICTIONARY 
Data Element: Bottom of Slab/Enclosure Floor 
Description: This indicates the elevation of the bottom of the slab/enclosure fl oor. 
Edit Criteria: Numeric 
Length: 10 with an explicit decimal of up to one position 
Data Element: Building Over Water 
Description: This code indicates the extent to which the building is located 
over water. If the building is not elevated, this field may be left blank. 
Edit Criteria:Numeric, Acceptable Values: 
1  Fully Over Water 
2  Partially Over Water 
3  Not Over Water 
Length: 4 
FREE I 34 


FREE DATA DICTIONARY (CONTINUED)


Data Element: Building Use 
Description: This is a description of the purpose of the insured property (i.e. 
Guest House, Detached Garage, Primary Structure). 
Edit Criteria: Alphanumeric 
Length: 50 
Data Element: Community Status 
Description: This code indicates the status of a community with regard to 
NFIP participation. 

Not Participating: A community for which FEMA has not authorized the 
sale of flood insurance under the NFIP. 

Participating: A community for which FEMA has authorized the sale of 

flood insurance under the NFIP. 

On Probation: A FEMA-imposed change in a communitys status resulting 
from violations and deficiencies in the administration and enforcement of 
NFIP local floodplain management regulations. 

Suspended: FEMAs removal of an NFIP participating community from the 
Program because the community has not enacted and/or enforced the 
proper floodplain management regulations required for participation. 

Withdrawn: A community that has withdrawn from the NFIP. 

Defunct: A community that has dissolved, disincorporated, merged with 
another community, been annexed by another community, or for other 
reasons no longer exists as an NFIP community. 

Not an NFIP Community: A community that does not have land use 
jurisdiction over any area and, therefore, does not meet the NFIP definition 
of community. In all cases, some other community exercises land use 
jurisdiction over the area. 

Edit Criteria: Alphanumeric, Acceptable Values: 
00  Not Participating 
01  Participating 
02  On Probation 
03  Suspended 
04  Withdrawn 
05  Defunct 
06  Not an NFIP Community 

Length: 4 

Data Element: Condo Coverage Type 
Description: This code is used to indicate whether the condominium 
coverage is for a single unit or the entire building. 
Edit Criteria: Numeric, Acceptable Values: 
1  Unit 
2  Entire Building 
Length: 4 
Data Element: Construction Date Code 
Description: This indicates the type of date that will be used to rate the 
property. 
Edit Criteria: Numeric, Acceptable Values: 
1  Construction Date 
2  Building Permit Date 
3  Improvement Date 
4  Placement Date 
5  Manufactured Home Construction Date 
Length: 4 

SECTION 1 DATA DICTIONARY 
FREE I 35 


FREE DATA DICTIONARY (CONTINUED)


Data Element: Contents Basic Start Rate (Amount) 
Description: This is the basic contents rate based on the elevation difference 
of the lowest floor of the location of contents in the insured building. 
Edit Criteria: Numeric 
Length: 5 with an explicit decimal of up to two positions 
Data Element: CRS Premium Discount 
Description: This is the premium discount amount, in dollars, for the policy 
based on the Community Rating System (CRS) discount percentage for the 
NFIP community in which the property is located. 
Edit Criteria: Numeric in dollars 
Length: 17 
Data Element: Contents Basic Start Rate (Elevation Difference) 
Description: This is the lowest floor elevation difference used to calculate the 
Contents Basic Start Rate (Amount). 
Edit Criteria: Numeric, may be positive or negative 
Length: 10 with an explicit decimal of up to three positions 
Data Element: Contents Premium Reduction/Increase (Deductible) 
Description: This is the dollar amount of contents premium increase or 
decrease based on the Deductible Factor selected by the insured. 
Edit Criteria: Numeric in dollars 
Length: 17 
Data Element: CRS Premium Discount Subtotal 
Description: This is the subtotal of dollar amount of the building and 
contents premiums, less any CRS Premium Discount. This amount does not 
include the Probation Surcharge or the Federal Policy Fee. 
Edit Criteria: Numeric in dollars 
Length: 17 
Data Element: Coverage Requested 
Description: This code indicates the type of flood insurance coverage 
requested  building only, contents only or both building and contents. 
Edit Criteria: Numeric, Acceptable Values: 
1  Building and Contents 
2  Building Only 
3  Contents Only 
Length: 4 
Data Element: Deductible Factor 
Description: This is the factor used to adjust the premium amount based on 
the deductibles selected for building and/or contents coverage. 
Edit Criteria: Numeric, may be positive or negative 
Length: 5 with explicit decimal up to three positions 
Data Element: Descriptive Address 
Description: This describes the property location for descriptive/rural 
addresses. 
Edit Criteria: Alphanumeric 
Length: 200 
SECTION 2 DATA DICTIONARY 
FREE I 36 


FREE DATA DICTIONARY (CONTINUED)


Data Element: Descriptive/Rural Address Code 
Description: This code is used to indicate whether the address is a rural/ 
descriptive address or a street address. 
Edit Criteria: Alphanumeric, Acceptable Values: 
Y  Descriptive/Rural Address 
N  Street Address 
Length: 4 
Data Element: Elevation of Machinery or Equipment 
Description: This indicates the elevation of any machinery or equipment 
serving the insured building. 
Edit Criteria: Numeric, may be positive or negative 
Length: 10 with an explicit decimal of up to one position 
Data Element: Enclosure Construction Materials 
Description: This code is used to indicate the type of materials used to 
construct the enclosure. 
Edit Criteria: Numeric, Acceptable Values: 
1  Breakaway Walls 
2  Solid Wood Frame Walls 
3  Solid Masonry Walls 
4  Other 
5  Insect Screening or Light Wood Lattice 
6  Solid Perimeter Walls 
Length: 4 
Data Element: Eligible for Floodproofi ng Credit 
Description: This code is used to indicate whether a property is eligible for 
fl oodproofi ng credit. 
Edit Criteria: Alphanumeric, Acceptable Values: 
Y  Yes 
N  No 
Length: 4 
Data Element: Enclosure Loading (Amount) 
Description: This is the enclosure loading amount for elevated buildings 
based on the elevation difference of the enclosure fl oor. 
Edit Criteria: Numeric 
Length: 6 with explicit decimal up to two positions 
Data Element: Enclosure Loading (Elevation Difference) 
Description: This is the elevation difference of the enclosure fl oor. 
Edit Criteria: Numeric, may be positive or negative 
Length: 10 with explicit decimal up to three positions 
Data Element: Enclosure Constructed with Proper Openings 
Alias: Proper Openings (Enclosure) 
Description: This indicates if the enclosure is constructed with the proper 
openings to allow the passage of fl ood waters. 
Edit Criteria: Alphanumeric, Acceptable Values: 
Y  Yes 
N  No 
Length: 4 

Data Element: Enclosure Present 
Description: This code indicates if there is an enclosure present below an 
elevated building. 
Edit Criteria: Alphanumeric, Acceptable Values: 
Y  Yes 
N  No 
Length: 4 

SECTION 2 DATA DICTIONARY 
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FREE DATA DICTIONARY (CONTINUED)


Data Element: Enclosure Use 
Description: This code is used to indicate if the enclosure is used solely for 
parking, building access or storage. 
Edit Criteria: Alphanumeric, Acceptable Values: 
Y  Enclosure Used Solely for Parking, Building Access, and/or Storage 
N  Enclosure Used for Purposes Other Than Parking, Building Access, 
and/or Storage 
Length: 4 
Data Element: Estimated Size of Enclosed Area 
Description: This is the estimated size, in square feet, of the enclosed area. 
Edit Criteria: Numeric 
Length: 10 
Data Element: Error Text 
Description: This describes errors that occurred during the processing of a 
quote. 
Edit Criteria: Alphanumeric 
Length: 1000 
Data Element: Estimated Base Flood Elevation 
Description: This is the estimated base flood elevation of the insured 
property. 
Edit Criteria: Numeric, may be positive or negative 
Length: 5 with an explicit decimal of up to one position 
Data Element: Estimated Base Flood Elevation Provided 
Description: This code indicates if an estimated base flood elevation has 
been provided. 
Edit Criteria: Alphanumeric, Acceptable Values: 
Y  Yes 
N  No 
Length: 4 
Data Element: Flood Proof Elevation 
Description: This indicates the elevation of the fl oodproofi ng walls. 
Edit Criteria: Numeric, may be positive or negative 
Length: 10 
Data Element: Garage Constructed with Proper Openings 
Alias: Proper Openings (Garage) 
Description: This indicates if the garage is constructed with the proper 
openings to allow the passage of fl ood waters. 
Edit Criteria: Alphanumeric, Acceptable Values: 
Y  Yes 
N  No 
Length: 4 
Data Element: Garage Present 
Description: This code is used to indicate if there is a garage present on the 
property. 
Edit Criteria: Alphanumeric, Acceptable Values: 
Y  Yes 
N - No 
Length: 4 

SECTION 2 DATA DICTIONARY 
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FREE DATA DICTIONARY (CONTINUED)


Data Element: Garage Use 
Description: This code is used to indicate if the garage is used solely for 
parking, building access or storage. 
Edit Criteria:Alphanumeric, Acceptable Values: 
Y  Garage Used Solely for Parking, Building Access, and/or Storage 
N  Garage Used for Purposes Other Than Parking, Building Access, and/or 
Storage 
Length: 4 
Data Element: Load Date 
Description: This is the date that the quote was loaded by the system. 
Edit Criteria: Numeric, Date Format: YYYYMMDD 
Length: 8 
Data Element: Highest Adjacent Grade 
Description: This is the highest natural elevation of the ground surface prior 
to construction next to the proposed walls of a structure. 
Edit Criteria: Numeric, may be positive or negative 
Length: 10 with an explicit decimal of up to one position 
Data Element: Location of Appliance 
Alias: Appliance Location 
Description: This code indicates the location of the contents to be insured. 
Edit Criteria: Alphanumeric, Acceptable Values: 
1  Enclosure 
2  Basement 
3 
 Sub-Grade Crawl Space 
4  Below Lowest Elevated Floor 
5  Other 
Length: 4 
Data Element: ICC Premium 
Description: This is the dollar amount of the Increased Cost of Compliance 
(ICC) Premium based on the flood zone and building coverage requested. 
Edit Criteria: Numeric in dollars 
Length: 17 
Data Element: Insured Company/Organization 
Description: This is the name of the company or organization under which 
the property is insured. 
Edit Criteria: Alphanumeric 
Length: 50 
Data Element: Machinery or Equipment Loading (Amount) 
Description: This is the machinery or equipment loading amount based 
on the machinery and equipment elevation difference and the value of the 
machinery or equipment. 
Edit Criteria: Numeric in dollars 
Length: 17 
SECTION 2 DATA DICTIONARY 
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FREE DATA DICTIONARY (CONTINUED)


Data Element: Machinery or Equipment Loading (Elevation Difference) 
Description: This is the lowest elevation difference used to calculate the 
loading for any machinery or equipment in the enclosed area below the 
lowest elevated fl oor. 
Edit Criteria: Numeric, may be positive or negative 
Length: 10 with an explicit decimal of up to three positions 
Data Element: Number of Appliance Sets 
Description: This is the number of appliance sets present in the insured 
property. 
Edit Criteria: Numeric 
Length: 10 
Data Element: Machinery or Equipment Present in Basement 
Description: This code indicates if there is machinery or equipment present 
in the basement of the insured property. 
Edit Criteria: Alphanumeric, Acceptable Values: 
Y  Yes 
N  No 
Length: 4 
Data Element: Part of Support System In The Water 
Description: This code indicates if part of the building support system is 
located in the water. 
Edit Criteria: Alphanumeric, Acceptable Values: 
Y  Yes 
N  No 
Length: 20 
Data Element: Machinery or Equipment Present in Garage 
Description: This code indicates if there is machinery or equipment present 
in the garage of the insured property. 
Edit Criteria: Alphanumeric, Acceptable Values: 
Y  Yes 
N  No 
Length: 4 
Data Element: Policy Type 
Description: This code indicates the type of policy generated by FREE. 
Edit Criteria: Alphanumeric, Acceptable Values: 
1  Standard 
2  Submit-For-Rate 
3  1975-81 Post-FIRM V Zone Standard 
4  1975-81 Post-FIRM V Zone Submit-For-Rate 
5  1981 Post-FIRM V Zone Standard 
6  1981 Post-FIRM V Zone Submit-For-Rate 
Length: 4
Data Element: Map Effective Date 
Description: This indicates the effective date of the Flood Insurance Rate 
Map that is applicable to rating the property. 
Edit Criteria: Numeric, Date Format: YYYYMMDD 
Length: 8 
Data Element: Processing Date 
Description: This is the date that the quote was processed by the system. 
Edit Criteria: Numeric, Date Format: YYYYMMDD 
Length: 8 
SECTION 2 DATA DICTIONARY 
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FREE DATA DICTIONARY (CONTINUED)


Data Element: Program Type 
Description: This code indicates the NFIP program in which the community 
participates. 
Non-Participating Community: The community does not participate in the 
NFIP. 
Emergency Program: The initial phase of a communitys participation 
in the National Flood Insurance Program. During this phase, only limited 
amounts of insurance are available under the Act. 
Regular Program: The final phase of a communitys participation in the 
National Flood Insurance Program. In this phase, a Flood Insurance Rate 
Map is in effect and full limits of coverage are available under the Act. 
Regular Program Direct Entry: This is for participating communities 
that bypass the Emergency Program and enter directly into the Regular 
Program. 
Edit Criteria:Alphanumeric, Acceptable Values: 
00  Non-Participating Community 
01  Emergency Program 
02  Regular Program 
03  Regular Program Direct Entry 
Length: 4 
Data Element: Quote Notes 
Description: This indicates any notes that have been included with the quote. 
Edit Criteria: Alphanumeric 
Length: 200 
Data Element: Quote Number 
Description: This indicates the WYO company- or vendor-assigned quote 
number. This is used by the WYO company or vendor to uniquely identify each 
quote. 
Edit Criteria: Numeric 
Length: 9 
Data Element: Quote Status 
Description: This code indicates if the quote has been successfully generated 
by the system. 
Edit Criteria: Alphanumeric, Acceptable Values: 
P  Passed Rating 
F  Failed Rating 
Length: 4 
Data Element: Property Urbanization 
Description: This indicates the urbanization description for property 
addresses in Puerto Rico. 
Edit Criteria: Alphanumeric 
Length: 50 
Data Element: Sub-Grade Crawl Space Constructed with Proper Openings 
Alias: Proper Openings (Sub-Grade Crawl Space) 
Description: This indicates if the sub-grade crawlspace is constructed with 
the proper openings to allow the passage of fl ood waters. 
Edit Criteria: Alphanumeric, Acceptable Values: 
Y  Yes 
N  No 
Length: 4 
SECTION 2 DATA DICTIONARY 
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FREE DATA DICTIONARY (CONTINUED)


Data Element: Sub-Grade Crawl Space Present 
Description: This code is used to indicate if the property has a sub-grade 
crawl space. 
Edit Criteria: Alphanumeric, Acceptable Values: 
Y  Yes 
N  No 
Length: 4 
Data Element: Total Building Premium 
Description: This is the total annual premium for the building coverage 
requested for Basic and Additional Limits prior to the application of any 
discounts and fees. 
Edit Criteria: Numeric in dollars 
Length: 17 
Data Element: Top of Bottom Floor 
Description: This indicates the elevation of the top of the bottom fl oor. 
Edit Criteria: Numeric 
Length: 10 with an explicit decimal of up to three positions 
Data Element: Total Contents Premium 
Description: This is the total annual premium for the contents coverage 
requested for Basic and Additional Limits prior to the application of any 
discounts and fees. 
Edit Criteria: Numeric in dollars 
Length: 17 
Data Element: Top of Garage Floor 
Description: This indicates the elevation of the garage fl oor. 
Edit Criteria: Numeric 
Length: 10 with an explicit decimal of up to 3 positions 
Data Element: Total Prepaid Amount 
Description: This is the total dollar amount of premium to be paid, less any 
discounts plus any additional surcharges and fees. 
Edit Criteria: Numeric in dollars 
Length: 17
Data Element: Top of Lowest Elevated Floor/Top of Next Higher Floor 
Description: This indicates the elevation of the top of the lowest elevated 
floor or the top of the next higher fl oor. 
Edit Criteria: Numeric 
Length: 10 with an explicit decimal of up to three positions 
Data Element: Unit Number 
Description: This is the unit, apartment or suite number of the insured 
property. 
Edit Criteria: Alphanumeric 
Length: 10 
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FREE DATA DICTIONARY (CONTINUED)


Data Element: Value of Machinery or Equipment 
Description: This represents the dollar value of any machinery or equipment 
present in the structure. 
Edit Criteria: Numeric in dollars 
Length: 17 
Data Element: Zip Code 
Description: This is the full Zip Code (Zip Code and Zip Plus 4) of the property 
address. 
Edit Criteria: Alphanumeric 
Length: 14 
Data Element: Zip Code+4 
Description: This is the four-character Zip Code extension. 
Edit Criteria: Alphanumeric 
Length: 4 
SECTION 2 DATA DICTIONARY 
FREE I 43 


Appliance Present 
Yes Y 
No N 
Attached Garage 
Yes Y 
No N 
Basement Present 
Yes Y 
No N 
Basement Type 
Finished 2 
Unfinished 3 
Community Status 
Not Participating 00 
Participating 01 
On Probation 02 
Suspended 03 
Withdrawn 04 
Defunct 05 
Not an NFIP Community 06 
Building Over Water 
Fully Over Water 1 
Partially Over Water 2 
Not Over Water 3 
Condo Coverage Type 
Unit 1 
Entire Building 2 
Condominium Indicator 
Not a Condominium N 
Residential Condominium Building Association Policy (RCBAP)  High-Rise H 
Residential Condominium Building Association Policy (RCBAP)  Low-Rise L 
Construction Date Code 
Construction Date 1 
Building Permit Date 2 
Improvement Date 3 
Placement Date 4 
Manufactured Home Construction Date 5 
FREE CODES, FLAGS AND INDICATORS 
This section documents the coding scheme used to record quote information. For the sake of completeness, all codes, flags and indicators used by FREE Batch are 
included in this section, even those that are specified in the WYO TRRP Plan. 
SECTION 2 CODES, FLAGS AND INDICATORS 
FREE I 44 


FREE CODES, FLAGS AND INDICATORS


Coverage Requested 
Building and Contents 1 
Building Only 2 
Contents Only 3 
Descriptive/Rural Address Code 
Descriptive/Rural Address Y 
Street Address N 
Elevated Building Indicator 
Elevated Building Y 
Not Elevated Building N 
Elevation Certifi cate Indicator 
Elevation Certifi cate Y 
No Elevation Certifi cate N 
Enclosure Present 
Yes Y 
No N 
Enclosure Type 
None 0 
Finished 1 
Unfinished 2 
Enclosure Construction Materials 
Breakaway Walls 1 
Solid Wood Frame Walls 2 
Solid Masonry Walls 3 
Other 4 
Insect Screening or Light Wood Lattice 5 
Solid Perimeter Walls 6 
Eligible for Floodproofi ng Credit 
Yes Y 
No N 
Eligible for PRP 
Yes Y 
No N 
Enclosure Use 
Enclosure Used Solely for Parking, Building Access, and/or Storage Y 
Enclosure Used for Purposes Other Than Parking, Building Access, and/or 
Storage N 

Estimated Base Flood Elevation Provided 
Yes Y
No N


Enclosure Constructed With Proper Openings 
Yes Y
No N


SECTION 2 CODES, FLAGS AND INDICATORS 
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FREE CODES, FLAGS AND INDICATORS (CONTINUED)


Floodproofed Indicator 
Floodproofed Y 
Not Floodproofed N 
Garage Constructed with Proper Openings 
Yes Y 
No N 
Location of Contents Indicator 
Basement Only 1 
Basement and Above 2 
Lowest Floor Only Above Ground Level 3 
Lowest Floor Above Ground Level and Higher Floors 4 
Above Ground Level More Than One Full Floor 5 
Manufactured (Mobile) Home or Travel Trailer on Foundation 6 
Garage Present 
Yes Y 
No N 
Machinery or Equipment Present in Basement 
Yes Y 
No N 
Garage Use 
Garage Used Solely for Parking, Building Access, and/or Storage Y
Garage Used for Purposes Other Than Parking, Building Access, and/or Storage N


Machinery or Equipment Present in Garage 
Yes Y 
No N 

Location of Appliance 
Enclosure 1 
Basement 2 
Sub-Grade Crawl Space 3 
Below Lowest Elevated Floor 4 
Other 5 
Number of Floors/Building Type 
One Floor 
Two Floors 
Three or More Floors 
Split-Level 
Manufactured (Mobile) Home or Travel Trailer on Foundation 
Three or More Floors - Townhouse/Rowhouse 
SECTION 2 CODES, FLAGS AND INDICATORS 
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FREE CODES, FLAGS AND INDICATORS (CONTINUED)


Occupancy Type 
Single-Family 1 
Two- to Four-Family 2 
Other Residential 3 
Nonresidential 4 
Quote Status 
Passed Rating P 
Failed Rating F 
Repetitive Loss Target Group Indicator 
Repetitive Loss Target Group Policy Y 
Not a Repetitive Loss Target Group Policy N
Part of Support System in the Water 
Yes Y 
No N 
Policy Type 
Standard 1 
Submit-For-Rate 2 
1975-81 Post-FIRM V Zone Standard 3 
1975-81 Post-FIRM V Zone Submit-For-Rate 4 
1981 Post-FIRM V Zone Standard 5 
1981 Post-FIRM V Zone Submit-For-Rate 6 
Post-FIRM Construction Indicator 
Post-FIRM Construction Y 
Pre-FIRM Construction N 
Program Type 
Non-Participating Community 00 
Emergency Program 01 
Regular Program 02 
Regular Program Direct Entry 03 
WYO Transaction Code 
Quote Request 11Q 
Quote Return 12Q 
Sub-Grade Crawl Space Constructed with Proper Openings 
Yes Y 
No N 
Sub-Crawl Space Present 
Yes Y
No N


SECTION 2 CODES, FLAGS AND INDICATORS 
FREE I 47