Document:

Exhibit 4.4

 

CNH EQUIPMENT TRUST 2011-A

 

ADMINISTRATION AGREEMENT

 

among

 

CNH EQUIPMENT TRUST 2011-A,

 

as Issuing Entity,

 

and

 

NEW HOLLAND CREDIT COMPANY, LLC,

 

as Administrator,

 

and

 

DEUTSCHE BANK TRUST COMPANY AMERICAS,

 

as Indenture Trustee,

 

and

 

WILMINGTON TRUST COMPANY,

 

as Trustee

 

Dated as of April 1, 2011

 

 

TABLE OF CONTENTS

 

	
1.
    	
Duties of the Administrator
    	
1
    
	
 
    	
(a)     Duties with Respect to the   Indenture and the Depository Agreement
    	
2
    
	
 
    	
(b)     Duties with Respect to the   Trust
    	
4
    
	
 
    	
(c)     Non-Ministerial Matters
    	
6
    
	
 
    	
 
    	
 
    
	
2.
    	
Records
    	
6
    
	
 
    	
 
    	
 
    
	
3.
    	
Compensation
    	
6
    
	
 
    	
 
    	
 
    
	
4.
    	
Additional Information to be Furnished to the Issuing   Entity
    	
6
    
	
 
    	
 
    	
 
    
	
5.
    	
Independence of the Administrator
    	
6
    
	
 
    	
 
    	
 
    
	
6.
    	
No Joint Venture
    	
7
    
	
 
    	
 
    	
 
    
	
7.
    	
Other Activities of the Administrator
    	
7
    
	
 
    	
 
    	
 
    
	
8.
    	
Term of Agreement; Resignation and Removal of the   Administrator
    	
7
    
	
 
    	
 
    	
 
    
	
9.
    	
Action upon Termination, Resignation or Removal
    	
9
    
	
 
    	
 
    	
 
    
	
10.
    	
Notices
    	
9
    
	
 
    	
(a)     if to the Issuing Entity   or the Trustee
    	
9
    
	
 
    	
(b)     if to the Administrator
    	
9
    
	
 
    	
(c)     if to the Indenture   Trustee
    	
10
    
	
 
    	
 
    	
 
    
	
11.
    	
Amendments
    	
10
    
	
 
    	
 
    	
 
    
	
12.
    	
Successors and Assigns
    	
11
    
	
 
    	
 
    	
 
    
	
13.
    	
Governing Law
    	
11
    
	
 
    	
 
    	
 
    
	
14.
    	
Headings
    	
11
    
	
 
    	
 
    	
 
    
	
15.
    	
Counterparts
    	
12
    
	
 
    	
 
    	
 
    
	
16.
    	
Severability
    	
12
    
	
 
    	
 
    	
 
    
	
17.
    	
Not Applicable to New Holland Credit Company, LLC in Other   Capacities
    	
12
    
	
 
    	
 
    	
 
    
	
18.
    	
Limitation of Liability of the Trustee and the Indenture   Trustee
    	
12
    
	
 
    	
 
    	
 
    
	
19.
    	
Indemnification
    	
12
    
	
 
    	
 
    	
 
    
	
20.
    	
Information Requests
    	
12
    

 

i

 

	
21.
    	
Communications with Rating Agencies
    	
13
    

 

ii

 

ADMINISTRATION AGREEMENT dated as of April 1, 2011, among CNH EQUIPMENT TRUST 2011-A, a Delaware statutory trust (the “Issuing Entity”), NEW HOLLAND CREDIT COMPANY, LLC, a Delaware limited liability company, as administrator (the “Administrator”), DEUTSCHE BANK TRUST COMPANY AMERICAS, a New York banking corporation, not in its individual capacity but solely as Indenture Trustee (the “Indenture Trustee”), and Wilmington Trust Company, not in its individual capacity but solely as Trustee under the Trust Agreement (the “Trustee”).

 

RECITALS

 

WHEREAS, the Issuing Entity is issuing the Notes pursuant to the Indenture, dated as of the date hereof (as amended and supplemented from time to time in accordance with the provisions thereof, the “Indenture”), between the Issuing Entity and the Indenture Trustee (capitalized terms used herein and not otherwise defined herein are defined in Appendix A to the Indenture, and the provisions of Section 1.3 of the Indenture shall be incorporated herein).

 

WHEREAS, the Issuing Entity has entered into certain agreements in connection with the issuance of the Notes and of certain beneficial ownership interests of the Issuing Entity, including: (i) a Sale and Servicing Agreement, dated as of the date hereof (as amended and supplemented from time to time, the “Sale and Servicing Agreement”), among the Issuing Entity, New Holland Credit Company, LLC, as servicer (the “Servicer”), and CNH Capital Receivables LLC, a Delaware limited liability company, as seller (the “Seller”), (ii) a Depository Agreement, dated May 12, 2011 (the “Depository Agreement”), among the Issuing Entity and The Depository Trust Company, (iii) the Indenture, and (iv) a Trust Agreement, dated as of the date hereof (the “Trust Agreement”), between the Seller and the Trustee (the Sale and Servicing Agreement, the Depository Agreement, the Indenture and the Trust Agreement being hereinafter referred to collectively as the “Related Agreements”);

 

WHEREAS, pursuant to the Related Agreements, the Issuing Entity and the Trustee are required to perform certain duties in connection with: (a) the Notes and the collateral therefor pledged pursuant to the Indenture (the “Collateral”) and (b) the beneficial ownership interests in the Issuing Entity (the registered holders of such interests being referred to herein as the “Owners”);

 

WHEREAS, the Issuing Entity and the Trustee desire to have the Administrator perform certain of the duties of the Issuing Entity and the Trustee referred to in the preceding clause, and to provide such additional services consistent with this Agreement and the Related Agreements as the Issuing Entity and the Trustee may from time to time request;

 

WHEREAS, the Administrator has the capacity to provide the services required hereby and is willing to perform such services for the Issuing Entity and the Trustee on the terms set forth herein;

 

NOW, THEREFORE, in consideration of the mutual terms and covenants contained herein, and other good and valuable consideration, the receipt and adequacy of which are hereby acknowledged, the parties agree as follows:

 

1.                                      Duties of the Administrator.

 

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(a)                                  Duties with Respect to the Indenture and the Depository Agreement.  The Administrator shall perform all of its duties as Administrator and the duties of the Issuing Entity and the Trustee under the Indenture and the Depository Agreement. In addition, the Administrator shall consult with the Trustee regarding the duties of the Issuing Entity and the Trustee under such documents. The Administrator shall monitor the performance of the Issuing Entity and shall advise the Trustee when action is necessary to comply with the Issuing Entity’s or the Trustee’s duties under such documents. The Administrator shall prepare for execution by the Issuing Entity or shall cause the preparation by other appropriate persons of all such documents, reports, filings, instruments, certificates and opinions as it shall be the duty of the Issuing Entity or the Trustee to prepare, file or deliver pursuant to such documents. In furtherance of the foregoing, the Administrator shall take all appropriate action that is the duty of the Issuing Entity or the Trustee to take pursuant to such documents, including, without limitation, such of the foregoing as are required with respect to the following matters (references in this Section are to sections of the Indenture):

 

(i)                                     the duty to cause the Note Register to be kept and to give the Indenture Trustee notice of any appointment of a new Note Registrar and the location, or change in location, of the Note Register (Section 2.4);

 

(ii)                                  the fixing or causing to be fixed of any specified record date and the notification of the Indenture Trustee and Noteholders with respect to special payment dates, if any (Section 2.7(c));

 

(iii)                               the preparation of or obtaining of the documents and instruments required for authentication of the Notes and delivery of the same to the Indenture Trustee (Section 2.2);

 

(iv)                              the preparation, obtaining or filing of the instruments, opinions, certificates and other documents required for the release of the Collateral (Section 2.9);

 

(v)                                 [reserved];

 

(vi)                              the duty to cause newly appointed Paying Agents, if any, to deliver to the Indenture Trustee the instrument specified in the Indenture regarding funds held in trust (Section 3.3);

 

(vii)                           the direction to the Paying Agents to deposit monies with the Indenture Trustee (Section 3.3);

 

(viii)                        the obtaining and preservation of the Issuing Entity’s qualification to do business in each jurisdiction in which such qualification is or shall be necessary to protect the validity and enforceability of the Indenture, the Notes, the Collateral and each other instrument and agreement included in the Trust Estate (Section 3.4);

 

(ix)                                the preparation of all supplements, amendments, financing statements, continuation statements, instruments of further assurance and other

 

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instruments, in accordance with Section 3.5 of the Indenture, necessary to protect the Trust Estate (Section 3.5);

 

(x)                                   the delivery of the Opinion of Counsel on the Closing Date and the annual delivery of Opinions of Counsel, in accordance with Section 3.6 of the Indenture, as to the Trust Estate, and the annual delivery of the Officer’s Certificate and certain other statements, in accordance with Section 3.9 of the Indenture, as to compliance with the Indenture (Sections 3.6 and 3.9);

 

(xi)                                the identification to the Indenture Trustee in an Officer’s Certificate of a Person with whom the Issuing Entity has contracted to perform its duties under the Indenture (Section 3.7(b));

 

(xii)                             the notification of the Indenture Trustee and the Rating Agencies of a Servicer Default pursuant to the Sale and Servicing Agreement and, if such Servicer Default arises from the failure of the Servicer to perform any of its duties under the Sale and Servicing Agreement, the taking of all reasonable steps available to remedy such failure (Section 3.7(d));

 

(xiii)                          the preparation and obtaining of documents and instruments required for the release of the Issuing Entity from its obligations under the Indenture (Section 3.10(b));

 

(xiv)                         the delivery of notice to the Indenture Trustee and the Rating Agencies of (a) each Event of Default under the Indenture, (b) each default by the Servicer or Seller under the Sale and Servicing Agreement and (c) each default by CNHCA under the Purchase Agreement (Section 3.19);

 

(xv)                            the monitoring of the Issuing Entity’s obligations as to the satisfaction and discharge of the Indenture and the preparation of an Officer’s Certificate and the obtaining of the Opinion of Counsel and the Independent Certificate relating thereto (Section 4.1);

 

(xvi)                         the compliance with any written directive of the Indenture Trustee with respect to the sale of the Trust Estate in a commercially reasonable manner if an Event of Default shall have occurred and be continuing (Section 5.4);

 

(xvii)                      the furnishing to the Indenture Trustee of the names and addresses of Noteholders during any period when the Indenture Trustee is not the Note Registrar (Section 7.1);

 

(xviii)                   the preparation, execution and filing with the Commission and the Indenture Trustee of documents required to be filed on a periodic basis with, and summaries thereof as may be required by rules and regulations prescribed by, the Commission and the transmission of such summaries, as necessary, to the Noteholders (Section 7.3);

 

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(xix)                           the opening of one or more accounts in the Trust’s name, the preparation of Issuing Entity Orders, Officer’s Certificates and Opinions of Counsel and all other actions necessary with respect to investment and reinvestment of funds in the Trust Accounts (Sections 8.2 and 8.3);

 

(xx)                              the preparation of an Issuing Entity Request and Officer’s Certificate and the obtaining of an Opinion of Counsel and Independent Certificates, if necessary, for the release of the Trust Estate as defined in the Indenture (Sections 8.4 and 8.5);

 

(xxi)                           the preparation of Issuing Entity Orders and the obtaining of Opinions of Counsel with respect to the execution of supplemental indentures and the mailing to the Noteholders of notices with respect to such supplemental indentures (Sections 9.1, 9.2 and 9.3);

 

(xxii)                        the execution and delivery of new Notes conforming to any supplemental indenture (Section 9.6);

 

(xxiii)                     the notification of Noteholders of redemption of the Notes or the duty to cause the Indenture Trustee to provide such notification (Section 10.2);

 

(xxiv)                    the preparation of all Officer’s Certificates, Opinions of Counsel and Independent Certificates with respect to any requests by the Issuing Entity to the Indenture Trustee to take any action under the Indenture (Section 11.1(a));

 

(xxv)                       the preparation and delivery of Officer’s Certificates and the obtaining of Independent Certificates, if necessary, for the release of property from the Lien of the Indenture (Section 11.1(b));

 

(xxvi)                    the preparation and delivery to Noteholders and the Indenture Trustee of any agreements with respect to alternate payment and notice provisions (Section 11.6); and

 

(xxvii)                 the recording of the Indenture, if applicable (Section 11.15).

 

(b)                                 Duties with Respect to the Trust.

 

(i)                                     In addition to the duties of the Administrator set forth above, the Administrator shall perform such calculations, and shall prepare for execution by the Issuing Entity or the Trustee or shall cause the preparation by other appropriate persons of all such documents, reports, filings, instruments, certificates and opinions, as it shall be the duty of the Issuing Entity or the Trustee to perform, prepare, file or deliver pursuant to the Related Agreements, and at the request of the Trustee shall take all appropriate action that it is the duty of the Issuing Entity or the Trustee to take pursuant to the Related Agreements (other than with respect to Sections 11.14, 11.15 and 11.16 of the Trust Agreement).  Subject to Section 5 of this Agreement, the Administrator shall administer, perform or supervise the performance of such other activities in connection with

 

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the Collateral (including the Related Agreements) as are not covered by any of the foregoing and as are expressly requested by the Trustee and are reasonably within the capability of the Administrator.

 

(ii)                                  Notwithstanding anything in this Agreement or the Related Agreements to the contrary, if any Certificates are held by any Person other than the Depositor, the Administrator shall be responsible for promptly notifying the Trustee in the event that any withholding tax is imposed on the Trust’s payments (or allocations of income) to an Owner as contemplated in Section 5.2(c) of the Trust Agreement. Any such notice shall specify the amount of any withholding tax required to be withheld by the Trustee pursuant to such provision.

 

(iii)                               Notwithstanding anything in this Agreement or the Related Agreements to the contrary, the Administrator shall be responsible for performance of the duties of the Trustee (if any) set forth in Sections 5.2(a), (b) and (c), the first sentence of Section 5.5 and Section 5.6(a) of the Trust Agreement with respect to, among other things, accounting and reports to Owners; provided, however, that the Trustee shall retain responsibility for the distribution of the Schedule K-1s necessary to enable each Owner to prepare its federal and state income tax returns.

 

(iv)                              If any Certificates are held by any Person other than the Depositor, the Administrator shall satisfy its obligations with respect to  clauses (ii)  and  (iii)  by retaining, at the expense of the Trust payable by the Servicer, a firm of Independent certified public accountants (the “Accountants”) reasonably acceptable to the Trustee, which Accountants shall perform the obligations of the Administrator thereunder. In connection with clause (ii), the Accountants will provide, on or prior to the date on which the Trustee receives its notice from the Administrator under such clause, a letter in form and substance satisfactory to the Trustee as to whether any tax withholding is then required and, if required, the procedures to be followed with respect thereto to comply with the requirements of the Code. The Accountants shall be required to update the letter in each instance that any additional tax withholding is subsequently required or any previously required tax withholding shall no longer be required.

 

(v)                                 The Administrator shall perform the duties of the Administrator specified in Section 10.2 of the Trust Agreement required to be performed in connection with the resignation or removal of the Trustee, and any other duties expressly required to be performed by the Administrator under the Trust Agreement.

 

(vi)                              In carrying out the foregoing duties or any of its other obligations under this Agreement, the Administrator may enter into transactions with or otherwise deal with any of its affiliates;  provided, however, that the terms of any such transactions or dealings shall be in accordance with any directions received from the Issuing Entity and shall be, in the Administrator’s opinion, no less favorable to the Issuing Entity than would be available from unaffiliated parties.

 

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(vii)                           The Administrator hereby agrees to execute on behalf of the Issuing Entity all such documents, reports, filings, instruments, certificates and opinions as it shall be the duty of the Issuing Entity to prepare, file or deliver pursuant to the Basic Documents or otherwise by law.

 

(c)                                  Non-Ministerial Matters.

 

(i)                                     With respect to matters that in the reasonable judgment of the Administrator are non-ministerial, the Administrator shall not take any action unless within a reasonable time before the taking of such action the Administrator shall have notified the Trustee of the proposed action and the Trustee shall not have withheld consent or provided an alternative direction. For the purpose of the preceding sentence, “non-ministerial matters” shall include, without limitation:

 

(A)                              the initiation of any claim or lawsuit by the Issuing Entity and the compromise of any action, claim or lawsuit brought by or against the Issuing Entity (other than in connection with the collection of the Receivables);

 

(B)                                the appointment of successor Note Registrars, successor Paying Agents and successor Trustees pursuant to the Indenture or the appointment of successor Administrators or successor Servicers, or the consent to the assignment by the Note Registrar, Paying Agent or Indenture Trustee of its obligations under the Indenture; and

 

(C)                                the removal of the Indenture Trustee.

 

(ii)                                  Notwithstanding anything to the contrary in this Agreement, the Administrator shall not be obligated to, and shall not: (x) make any payments to the Noteholders under the Related Agreements, (y) sell the Trust Estate pursuant to Section 5.4 of the Indenture or (z) take any other action that the Issuing Entity directs the Administrator not to take on its behalf.

 

2.                                      Records.  The Administrator shall maintain appropriate books of account and records relating to services performed hereunder, which books of account and records shall be accessible for inspection upon reasonable written request by the Issuing Entity, the Indenture Trustee and the Depositor at any time during normal business hours.

 

3.                                      Compensation.   As compensation for the performance of the Administrator’s obligations under this Agreement and as reimbursement for its expenses related thereto, the Administrator shall be entitled to $500 per quarter payable in arrears on each Payment Date, which payment shall be solely an obligation of the Issuing Entity (the “Administration Fee”).

 

4.                                      Additional Information to be Furnished to the Issuing Entity.   The Administrator shall furnish to the Issuing Entity from time to time such additional information regarding the Collateral as the Issuing Entity shall reasonably request.

 

5.                                      Independence of the Administrator.  For all purposes of this Agreement, the Administrator shall be an independent contractor and shall not be subject to the supervision of

 

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the Issuing Entity or the Trustee with respect to the manner in which it accomplishes the performance of its obligations hereunder. Unless expressly authorized by the Issuing Entity, the Administrator shall have no authority to act for or represent the Issuing Entity or the Trustee in any way (other than as permitted hereunder) and shall not otherwise be deemed an agent of the Issuing Entity or the Trustee.

 

6.                                      No Joint Venture.  Nothing contained in this Agreement:  (i) shall constitute the Administrator and either of the Issuing Entity or the Trustee as members of any partnership, joint venture, association, syndicate, unincorporated business or other separate entity, (ii) shall be construed to impose any liability as such on any of them or (iii) shall be deemed to confer on any of them any express, implied or apparent authority to incur any obligation or liability on behalf of the others.

 

7.                                      Other Activities of the Administrator.  Nothing herein shall prevent the Administrator or its Affiliates from engaging in other businesses or, in their sole discretion, from acting in a similar capacity as an administrator for any other Person even though such Person may engage in business activities similar to those of the Issuing Entity, the Trustee or the Indenture Trustee.

 

8.                                      Term of Agreement; Resignation and Removal of the Administrator.

 

(a)                                  This Agreement shall continue in force until the dissolution of the Issuing Entity, upon which event this Agreement shall automatically terminate.

 

(b)                                 Subject to Section 8(e), the Administrator may resign its duties hereunder by providing the Issuing Entity, the Trustee, the Indenture Trustee and the Servicer with at least 60 days’ prior written notice.

 

(c)                                  Subject to Section 8(e), the Issuing Entity may remove the Administrator without cause by providing the Administrator, the Trustee, the Indenture Trustee and the Servicer with at least 60 days’ prior written notice.

 

(d)                                 Subject to Section 8(e), at the sole option of the Issuing Entity, the Administrator may be removed immediately upon written notice of termination from the Issuing Entity to the Administrator, the Trustee, the Indenture Trustee and the Servicer if any of the following events shall occur:

 

(i)                                     the Administrator shall default in the performance of any of its duties under this Agreement and, after notice of such default, shall not cure such default within ten days (or, if such default cannot be cured in such time, shall not give within ten days such assurance of cure as shall be reasonably satisfactory to the Issuing Entity);

 

(ii)                                  a court having jurisdiction in the premises shall enter a decree or order for relief, and such decree or order shall not have been vacated within 60 days, in respect of the Administrator in any involuntary case under any applicable bankruptcy, insolvency or other similar law now or hereafter in effect or appoint a receiver, liquidator, assignee, custodian, trustee, sequestrator or similar official for

 

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the Administrator or any substantial part of its property or order the winding-up or liquidation of its affairs; or

 

(iii)                               the Administrator shall commence a voluntary case under any applicable bankruptcy, insolvency or other similar law now or hereafter in effect, shall consent to the entry of an order for relief in an involuntary case under any such law, or shall consent to the appointment of a receiver, liquidator, assignee, trustee, custodian, sequestrator or similar official for the Administrator or any substantial part of its property, shall consent to the taking of possession by any such official of any substantial part of its property, shall make any general assignment for the benefit of creditors or shall fail generally to pay its debts as they become due.

 

The Administrator agrees that if any of the events specified in clauses (ii) or (iii) of this subsection shall occur, it shall give written notice thereof to the Issuing Entity, the Servicer, the Trustee and the Indenture Trustee within seven days after the happening of such event.

 

(e)                                  Upon the Administrator’s receipt of notice of termination, pursuant to Sections 8(c) or (d), or the Administrator’s resignation in accordance with this Agreement, the predecessor Administrator shall continue to perform its functions as Administrator under this Agreement, in the case of termination, only until the date specified in such termination notice or, if no such date is specified in a notice of termination, until receipt of such notice and, in the case of resignation, until the later of: (x) the date 45 days from the delivery to the Issuing Entity, the Trustee, the Indenture Trustee and the Servicer of written notice of such resignation (or written confirmation of such notice) in accordance with this Agreement and (y) the date upon which the predecessor Administrator shall become unable to act as Administrator, as specified in the notice of resignation and accompanying Opinion of Counsel. In the event of the Administrator’s termination hereunder, the Issuing Entity shall appoint a successor Administrator acceptable to the Indenture Trustee, and the successor Administrator shall accept its appointment by a written assumption in form acceptable to the Indenture Trustee. In the event that a successor Administrator has not been appointed at the time when the predecessor Administrator has ceased to act as Administrator in accordance with this Section, and if the Backup Servicer is serving as the Successor Servicer under the Transaction Documents, the Indenture Trustee without further action shall automatically be appointed the successor Administrator and the Indenture Trustee shall be entitled to the compensation specified in  Section 3.  Notwithstanding the above, the Indenture Trustee shall, if it shall be unable so to act, appoint or petition a court of competent jurisdiction to appoint any established institution having a net worth of not less than $50,000,000 and whose regular business shall include the performance of functions similar to those of the Administrator, as the successor to the Administrator under this Agreement.

 

(f)                                    Upon appointment, the successor Administrator (including the Indenture Trustee acting as successor Administrator) shall be the successor in all respects to the predecessor Administrator and shall be subject to all the responsibilities, duties and liabilities arising thereafter relating thereto placed on the predecessor Administrator and shall be entitled to the compensation specified in Section 3 and all the rights granted to the predecessor Administrator by the terms and provisions of this Agreement.

 

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(g)                                 Except when and if the Indenture Trustee is appointed successor Administrator, the Administrator may not resign unless it is prohibited from serving as such by law as evidenced by an Opinion of Counsel to such effect delivered to the Indenture Trustee. No resignation or removal of the Administrator pursuant to this Section shall be effective until: (i) a successor Administrator shall have been appointed by the Issuing Entity and (ii) such successor Administrator shall have agreed in writing to be bound by the terms of this Agreement in the same manner as the Administrator is bound hereunder.

 

(h)                                 The appointment of any successor Administrator shall be effective only after satisfaction of the Rating Agency Condition with respect to the proposed appointment.

 

9.                                      Action upon Termination, Resignation or Removal.  Promptly upon the effective date of termination of this Agreement pursuant to Section 8(a), or the resignation or removal of the Administrator pursuant to Section 8(b), or (c), or (d) respectively, the Administrator shall be entitled to be paid all fees and reimbursable expenses accruing to it to the date of such termination, resignation or removal. The Administrator shall forthwith upon such termination pursuant to Section 8(a) deliver to the Issuing Entity all property and documents of or relating to the Collateral then in the custody of the Administrator. In the event of the resignation or removal of the Administrator pursuant to Section 8(b), or (c), or (d) respectively, the Administrator shall cooperate with the Issuing Entity and the Indenture Trustee and take all reasonable steps requested to assist the Issuing Entity and the Indenture Trustee in making an orderly transfer of the duties of the Administrator.

 

10.                               Notices.  Any notice, report or other communication given hereunder shall be in writing and addressed and personally delivered, mailed or sent by facsimile transmission as follows:

 

(a)                                  if to the Issuing Entity or the Trustee, to:

 

CNH Equipment Trust 2011-A

c/o Wilmington Trust Company

1100 North Market Street

Wilmington, Delaware  19890-0001

Attention: Corporate Trust Administrator

Facsimile: (302) 636-4140

 

(b)                                 if to the Administrator, to:

 

New Holland Credit Company, LLC

100 Brubaker Avenue

New Holland, Pennsylvania  17557

Attention: Finance Manager

Facsimile: (630) 887-5448

 

with a copy to:

 

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New Holland Credit Company, LLC

6900 Veterans Boulevard

Burr Ridge, Illinois  60527

Attention: Assistant Treasurer

Facsimile: (630) 887-5448

 

(c)                                  if to the Indenture Trustee, to:

 

Deutsche Bank Trust Company Americas

60 Wall Street

NYC 60-2606

New York, New York  10005

Attention: TSS-SFS

Facsimile: (212) 553-2459

Telephone:  (212) 250-4855

 

or to such other address or facsimile number as any party shall have provided to the other parties in writing. Any notice required to be in writing hereunder shall be deemed given if such notice is mailed by certified mail, postage prepaid, or hand-delivered to the address of such party as provided above.

 

11.                               Amendments.  Any term or provision of this Agreement may be amended by the Issuing Entity, Administrator, Indenture Trustee and the Trustee without the consent of any Noteholder, any Certificateholder or any other Person subject to the satisfaction of one of the following conditions:

 

(i)                                     the Administrator delivers an Opinion of Counsel to the Indenture Trustee to the effect that such amendment will not materially and adversely affect the interests of the Noteholders or the Certificateholders; or

 

(ii)                                  the Administrator delivers an Officer’s Certificate of the Administrator to the Indenture Trustee to the effect that such amendment will not materially or adversely affect the interests of the Noteholders or the Certificateholders.

 

An amendment shall be deemed not to adversely affect in any material respect the interests of any Noteholders of a Class of Notes if the Rating Agency Condition has been satisfied with respect to such amendment for such Class of Notes.

 

This Agreement may also be amended from time to time by the Issuing Entity, the Administrator and the Indenture Trustee with the written consent of (w) the Trustee, (x) Noteholders holding Notes evidencing not less than a majority of the Note Balance and (y) the Certificateholders holding in the aggregate more than 50% of the beneficial interest in the Issuing Entity at the time of such amendment, for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of this Agreement or of modifying in any manner the rights of the Noteholders or the Certificateholders; provided, however, that no

 

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such amendment shall: (i) reduce the interest rate or principal of any Note, or delay the Class Final Maturity Date of any Note or (ii) reduce the aforesaid percentage of the Holders of Notes and Certificates that are required to consent to any such amendment, without the consent of the Holders of all the outstanding Notes and Certificates. Notwithstanding the foregoing, the Administrator may not amend this Agreement without the permission of the Depositor, which permission shall not be unreasonably withheld.

 

Promptly after the execution of any such amendment or consent (or, in the case of the Rating Agencies, prior thereto), the Administrator shall furnish written notification of the substance of such amendment or consent to each Certificateholder, the Trustee, the Indenture Trustee and each of the Rating Agencies.

 

It shall not be necessary for the consent of the Certificateholders or the Noteholders pursuant to this Section to approve the particular form of any proposed amendment or consent, but it shall be sufficient if such consent shall approve the substance thereof.

 

Notwithstanding anything herein to the contrary (other than as provided in the following paragraph), any term or provision of this Agreement may be amended by the Administrator without the consent of the Certificateholders, the Noteholders or any other Person to add, modify or eliminate any provisions as may be necessary or advisable in order to comply with or obtain more favorable treatment under or with respect to any law or regulation or any accounting rule or principle (whether now or in the future in effect); it being a condition to any such amendment that the Rating Agency Condition shall have been satisfied.

 

12.                               Successors and Assigns.  This Agreement may not be assigned by the Administrator unless such assignment is previously consented to in writing by the Issuing Entity, the Indenture Trustee and the Trustee and subject to the satisfaction of the Rating Agency Condition in respect thereof. An assignment with such consent and satisfaction, if accepted by the assignee, shall bind the assignee hereunder in the same manner as the Administrator is bound hereunder.  Notwithstanding the foregoing, this Agreement may be assigned by the Administrator without the consent of the Issuing Entity, the Indenture Trustee or the Trustee to a corporation or other organization that is a successor (by merger, consolidation or purchase of assets) to, or Affiliate of, the Administrator, provided that such successor organization executes and delivers to the Issuing Entity, the Trustee and the Indenture Trustee an agreement in which such corporation or other organization agrees to be bound hereunder by the terms of said assignment in the same manner as the Administrator is bound hereunder.  Subject to the foregoing, this Agreement shall bind any successors or assigns of the parties hereto.

 

13.                               Governing Law.  This Agreement shall be construed in accordance with the laws of the State of New York, and the obligations, rights and remedies of the parties hereunder shall be determined in accordance with such laws.

 

14.                               Headings.  The section headings hereof have been inserted for convenience of reference only and shall not be construed to affect the meaning, construction or effect of this Agreement.

 

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15.                               Counterparts.  This Agreement may be executed in counterparts, all of which when so executed shall together constitute but one and the same agreement.

 

16.                               Severability.  Any provision of this Agreement that is prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining provisions hereof, and any such prohibition or unenforceability in any jurisdiction shall not invalidate or render unenforceable such provision in any other jurisdiction.

 

17.                               Not Applicable to New Holland Credit Company, LLC in Other Capacities.  Nothing in this Agreement shall affect any obligation New Holland Credit Company, LLC or any successor administrator may have in any other capacity.

 

18.                               Limitation of Liability of the Trustee and the Indenture Trustee.

 

(a)                                  Notwithstanding anything contained herein to the contrary, this instrument has been countersigned by Wilmington Trust Company, not in its individual capacity but solely in its capacity as Trustee of the Issuing Entity, and in no event shall Wilmington Trust Company, in its individual capacity, or any beneficial owner of the Issuing Entity have any liability for the representations, warranties, covenants, agreements or other obligations of the Issuing Entity hereunder, as to all of which recourse shall be had solely to the assets of the Issuing Entity. For all purposes of this Agreement, in the performance of any duties or obligations of the Issuing Entity thereunder, the Trustee shall be subject to, and entitled to the benefits of, the terms and provisions of Articles VI, VII and VIII of the Trust Agreement.

 

(b)                                 Notwithstanding anything contained herein to the contrary, this Agreement has been countersigned by Deutsche Bank Trust Company Americas, not in its individual capacity but solely as Indenture Trustee, and in no event shall Deutsche Bank Trust Company Americas  have any liability for the representations, warranties, covenants, agreements or other obligations of the Issuing Entity hereunder or in any of the certificates, notices or agreements delivered pursuant hereto, as to all of which recourse shall be had solely to the assets of the Issuing Entity.

 

19.                               Indemnification.  The Administrator shall indemnify the Trustee and the Indenture Trustee (and their officers, directors, employees and agents) for, and hold them harmless against, any losses, liability or expense, including attorneys’ fees reasonably incurred by them, incurred without negligence or bad faith on their part, arising out of or in connection with: (i) actions taken by either of them pursuant to instructions given by the Administrator pursuant to this Agreement or (ii) the failure of the Administrator to perform its obligations hereunder. The indemnities contained in this Section shall survive the termination of this Agreement and the resignation or removal of the Administrator, the Trustee or the Indenture Trustee.

 

20.                               Information Requests.  The parties hereto shall provide any information reasonably requested by the Administrator or any of its Affiliates, at the expense of the Administrator or any of its Affiliates, as applicable, in order to comply with or obtain more favorable treatment under any current or future law, rule, regulation, accounting rule or principle.

 

12

 

21.                               Communications with Rating Agencies.  The parties hereto (other than the Seller and its Affiliates but excluding the Issuing Entity) agree that any notices or requests to, or any other written communications with, any of the Rating Agencies, or any of their respective officers, directors or employees, to be given or provided to such Rating Agencies pursuant to, in connection with or related, directly or indirectly, to the Basic Documents, the Collateral or the Notes, shall be in each case either (i) furnished to the Seller who shall forward such communication to the Rating Agencies pursuant to Section 10.18 of the Sale and Servicing Agreement; or (ii) furnished directly to the Rating Agencies with a prior copy to the Seller.  In either case, the parties hereto (other than the Seller and its Affiliates but excluding the Issuing Entity) further agree to provide such notices, requests and communications or copies thereof, as applicable, to the Seller at least one Business Day prior to the date when such notices, requests and communications are required to be delivered (or are in fact delivered, whichever is earlier) to the Rating Agencies pursuant to the Basic Documents.  So long as any Notes are Outstanding, each party hereto (other than the Seller and its Affiliates but excluding the Issuing Entity) agrees that neither it nor any party on its behalf shall engage in any oral communications with respect to the transactions contemplated hereby, under the Basic Documents or in any way relating to the Notes with any Rating Agency or any of their respective officers, directors or employees, without the participation of the Seller.

 

*   *   *   *   *

 

13

 

IN WITNESS WHEREOF, the parties have caused this Agreement to be duly executed and delivered as of the day and year first above written.

 

	
 
    	
CNH   EQUIPMENT TRUST 2011-A
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
Wilmington   Trust Company,
    
	
 
    	
 
    	
not   in its individual capacity but solely as Trustee on behalf of the Issuing   Entity
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/   Dorri Costello
    
	
 
    	
 
    	
Name:
    	
Dorri   Costello
    
	
 
    	
 
    	
Title:
    	
Financial   Services Officer
    
	
 
    	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
DEUTSCHE   BANK TRUST COMPANY AMERICAS
    
	
 
    	
 
    	
not   in its individual capacity but solely as
    
	
 
    	
 
    	
Indenture   Trustee
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/   Sue Kim
    
	
 
    	
 
    	
Name:
    	
Sue   Kim
    
	
 
    	
 
    	
Title:
    	
Assistant   Vice President
    
	
 
    	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/   Mark Esposito
    
	
 
    	
 
    	
Name:
    	
Mark   Esposito
    
	
 
    	
 
    	
Title:
    	
Associate
    
	
 
    	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
NEW   HOLLAND CREDIT COMPANY, LLC
    
	
 
    	
 
    	
as   Administrator
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/   Thomas N. Beckmann
    
	
 
    	
 
    	
Name:
    	
Thomas   N. Beckmann
    
	
 
    	
 
    	
Title:
    	
Assistant   Treasurer
    
	
 
    	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
WILMINGTON   TRUST COMPANY
    
	
 
    	
 
    	
not   in its individual capacity but solely as
    
	
 
    	
 
    	
Trustee   under the Trust Agreement
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/   Dorri Costello
    
	
 
    	
 
    	
Name:
    	
Dorri   Costello
    
	
 
    	
 
    	
Title:
    	
Financial   Services Officer
    
					

 

Administration AgreementExhibit 4.5

 

BACKUP SERVICING AGREEMENT

 

among

 

CNH CAPITAL RECEIVABLES LLC,
 as Seller

 

NEW HOLLAND CREDIT COMPANY, LLC,
 as Servicer

 

CNH EQUIPMENT TRUST 2011-A,
 as Issuing Entity

 

and

 

DEUTSCHE BANK TRUST COMPANY AMERICAS
 as Backup Servicer

 

Dated as of April 1, 2011

 

 

TABLE OF CONTENTS

 

	
 
    	
 
    	
Page
    
	
 
    	
 
    	
 
    
	
Article I   DEFINITIONS
    	
1
    
	
 
    	
 
    
	
Section 1.1.
    	
Definitions
    	
1
    
	
Section 1.2.
    	
Usage of Terms
    	
3
    
	
Section 1.3.
    	
Section References
    	
3
    
	
 
    	
 
    	
 
    
	
Article II   ADMINISTRATION AND SERVICING OF RECEIVABLES
    	
3
    
	
 
    	
 
    
	
Section 2.1.
    	
Duties of the Backup Servicer
    	
3
    
	
Section 2.2.
    	
Representations and Warranties   of Backup Servicer
    	
4
    
	
Section 2.3.
    	
Backup Servicing Termination
    	
6
    
	
Section 2.4.
    	
Backup Servicer Fees; Payment of   Expenses by Backup Servicer
    	
7
    
	
 
    	
 
    	
 
    
	
Article III   THE BACKUP SERVICER
    	
7
    
	
 
    	
 
    	
 
    
	
Section 3.1.
    	
Liability of Backup Servicer;   Indemnities
    	
7
    
	
Section 3.2.
    	
Limitation on Liability
    	
9
    
	
Section 3.3.
    	
Corporate Existence
    	
9
    
	
Section 3.4.
    	
Insurance
    	
9
    
	
Section 3.5.
    	
Compliance with Laws
    	
10
    
	
Section 3.6.
    	
Backup Servicer Legal   Proceedings
    	
10
    
	
Section 3.7.
    	
Appointment of Backup Servicer   Subservicer
    	
10
    
	
 
    	
 
    	
 
    
	
Article IV   TERMINATION EVENTS
    	
10
    
	
 
    	
 
    
	
Section 4.1.
    	
Termination Event
    	
10
    
	
Section 4.2.
    	
Consequences of a Termination   Event
    	
11
    
	
 
    	
 
    	
 
    
	
Article V   MISCELLANEOUS PROVISIONS
    	
12
    
	
 
    	
 
    
	
Section 5.1.
    	
Waiver; Amendment
    	
12
    
	
Section 5.2.
    	
Governing Law
    	
13
    
	
Section 5.3.
    	
Severability of Provisions
    	
13
    
	
Section 5.4.
    	
Assignment
    	
13
    
	
Section 5.5.
    	
Third-Party Beneficiaries
    	
13
    
	
Section 5.6.
    	
Counterparts
    	
13
    
	
Section 5.7.
    	
Notices
    	
13
    
	
Section 5.8.
    	
Nonpetition Covenants
    	
14
    
	
Section 5.9.
    	
Term
    	
14
    
	
Section 5.10.
    	
Limitation of Liability of   Trustee
    	
14
    
	
Section 5.11.
    	
Miscellaneous
    	
14
    
	
Section 5.12.
    	
Confidentiality
    	
14
    
	
Section 5.13.
    	
Information Requests
    	
15
    
	
Section 5.14.
    	
Notice to Moody’s
    	
15
    
	
Section 5.15.
    	
Form 8-K Filings
    	
15
    

 

i

 

	
Section 5.16.
    	
Indemnification
    	
15
    
	
Section 5.17.
    	
Communications with Rating   Agencies
    	
16
    

 

SCHEDULES

 

	
SCHEDULE   I
    	
 
    	
Description   of Verification and Confirmation Duties (Backup Servicing)
    

 

ii

 

THIS BACKUP SERVICING AGREEMENT, dated as of April 1, 2011, (this “Agreement”) is made among NEW HOLLAND CREDIT COMPANY, LLC, a Delaware limited liability company (the “Servicer”), CNH CAPITAL RECEIVABLES LLC, a Delaware limited liability company (the “Seller”), CNH EQUIPMENT TRUST 2011-A, a Delaware statutory trust (the “Issuing Entity”) and DEUTSCHE BANK TRUST COMPANY AMERICAS, a New York banking corporation (the “Backup Servicer” or “DB Trust”).

 

W I T N E S S E T H:

 

WHEREAS, the Servicer, the Seller and the Issuing Entity have entered into the Sale and Servicing Agreement dated as of the date hereof (the “Sale and Servicing Agreement”) a copy of which is provided to the Backup Servicer as of the date hereof;

 

WHEREAS, the Issuing Entity and the Servicer desire that the Backup Servicer perform certain backup servicing duties in accordance with the terms and provisions of this Agreement;

 

WHEREAS, the Issuing Entity desires that the Backup Servicer assume the role of Successor Servicer under the terms of the Sale and Servicing Agreement in the event that the Servicer is terminated thereunder; and

 

WHEREAS, the Backup Servicer is willing to perform the backup servicing duties specified herein and assume the role of Successor Servicer under the terms of the Sale and Servicing Agreement pursuant to the conditions and for the consideration described herein.

 

NOW, THEREFORE, in consideration of the mutual agreements herein contained, and of other good and valuable consideration, the receipt and adequacy of which are hereby acknowledged, the parties agree as follows:

 

ARTICLE I

 

DEFINITIONS

 

Section 1.1.            Definitions.  Unless otherwise specified herein, all terms defined in the Indenture shall have the same meaning in this Agreement.  Whenever capitalized and used in this Agreement, the following words and phrases, unless the context otherwise requires, shall have the following meanings:

 

Backup Servicer: Deutsche Bank Trust Company Americas, in its capacity as Backup Servicer under this Agreement, and its successors and assigns in such capacity.

 

Backup Servicer Account:  means the account designated as such, established and maintained pursuant to Section 5.1(a)(vii) of the Sale and Servicing Agreement.

 

Backup Servicer Expenses:  is defined in Section 4.12 of the Sale and Servicing Agreement.

 

Backup Servicer Termination Event:  An event described in Section 4.1.

 

 

Backup Servicing Duties:  The duties defined as such in Section 2.1.

 

Backup Servicing Fee:  means the greater of (a) 1/12 of 0.015% of the Pool Balance as of the first day of each Collection Period and (b) $4,000.

 

Business Day:  means any day other than a Saturday, a Sunday or a day on which banking institutions or trust companies in The City of New York, New York, the City of Racine, Wisconsin and the City of St. Joseph, Missouri are authorized or obligated by law, regulation or executive order to remain closed.

 

Collection Period: means, with respect to any Payment Date, the period from and including the end of the preceding Collection Period (or, for the first Payment Date, the day after the Cutoff Date) to and including the last day of the calendar month preceding the calendar month in which the Payment Date occurs.

 

Indenture:  means the Indenture dated as of April 1, 2011 between the Issuing Entity and the Indenture Trustee, as the same may be amended and supplemented from time to time.

 

Indenture Trustee: means Deutsche Bank Trust Company Americas, a New York banking corporation, not in its individual capacity but solely as Indenture Trustee under the Indenture, or any successor Indenture Trustee under the Indenture.

 

Initial Collection Period:  The Collection Period ending May 31, 2011.

 

Payment Date: means, with respect to each Collection Period, the fifteenth day of the calendar month following the end of that Collection Period, or, if such day is not a Business Day, the next Business Day, commencing on June 15, 2011.

 

Person:  Any legal person, including any individual, corporation, partnership, joint venture, estate, association, joint stock company, trust, unincorporated organization or government or any agency or political subdivision thereof, or any other entity.

 

Sale and Servicing Agreement:  The Sale and Servicing Agreement dated as of April 1, 2011 between the Issuing Entity, the Seller and the Servicer, as the same may be amended from time to time in accordance with its terms.

 

Servicing Transfer Date:  The Business Day next succeeding the expiration of the Transfer Period.

 

Transfer Notice:  Written notice from the Indenture Trustee or Noteholders to the Backup Servicer and the Servicer, (with a copy to the Rating Agencies, subject to Section 5.17 hereof), the Noteholders (if given by the Indenture Trustee) and the Trustee provided by the Indenture Trustee advising the Backup Servicer of the transfer of active servicing duties for the Contracts to the Backup Servicer.

 

Transfer Period:  A period of up to sixty (60) days following the Backup Servicer’s receipt of a Transfer Notice and ending on the date the Backup Servicer is to begin Successor Servicer duties for the Contracts and the related Receivables.

 

2

 

Verification and Confirmation Duties:  The duties defined as such in Section 2.1(a).

 

Section 1.2.            Usage of Terms.  With respect to all terms used in this Agreement, the singular includes the plural and the plural the singular; words importing any gender include the other gender; references to “writing” include printing, typing, lithography, and other means of reproducing words in a visible form; references to agreements and other contractual instruments include all subsequent amendments thereto or changes therein entered into in accordance with their respective terms and not prohibited by this Agreement; references to Persons include their permitted successors and assigns; and the terms “include” or “including” mean “include without limitation” or “including without limitation.”

 

Section 1.3.            Section References.  All references to Articles, Sections, paragraphs, subsections, exhibits and schedules shall be to such portions of this Agreement unless otherwise specified.

 

ARTICLE II

 

ADMINISTRATION AND SERVICING OF RECEIVABLES

 

Section 2.1.            Duties of the Backup Servicer.

 

(a)           Verification and Confirmation Duties.  The Backup Servicer agrees to perform all of the duties of the Backup Servicer as identified on Schedule I hereto (collectively, the “Verification and Confirmation Duties”) on behalf of the Issuing Entity in accordance with the terms of this Agreement.  On or before each Determination Date (beginning with the Determination Date immediately preceding the initial Payment Date), the Servicer shall deliver to the Backup Servicer the Servicer’s Certificate and a computer tape in a format acceptable to the Backup Servicer containing the information with respect to the Receivables for the preceding Collection Period necessary for the preparation of the Servicer’s Certificate and the performance of the Verification and Confirmation Duties relating to such Collection Period.

 

(b)           Active Servicing Duties.  Unless and until the Backup Servicer or another Person is appointed as Successor Servicer, the Backup Servicer agrees that, in the event the Servicer is terminated or otherwise ceases to function as the Servicer pursuant to the Sale and Servicing Agreement, if the Indenture Trustee or Noteholders representing not less than 25% of the Outstanding Amount of Notes shall issue a Transfer Notice to the Backup Servicer and Servicer, then prior to the expiration of the Transfer Period, the Backup Servicer shall promptly execute a counterpart to the Sale and Servicing Agreement and thereafter shall assume the rights, obligations and duties of a Successor Servicer as expressly set forth thereunder.

 

(c)           The Servicer covenants and agrees to perform within three weeks after receipt of the Transfer Notice (or on such later date as the Issuing Entity and the Backup Servicer shall agree in writing) the following:

 

3

 

(i)            The Servicer shall provide to the Backup Servicer all necessary servicing files and records relating to the Contracts (as reasonably deemed necessary by the Backup Servicer at such time) and the Servicer shall provide to the Backup Servicer access to and transfer of records and use by the Backup Servicer of all licenses or software necessary or desirable to collect the Contracts and the related Receivables to the extent that any of the foregoing is not prohibited under any licensing or other agreements with third parties.

 

(ii)           The Servicer will provide to the Backup Servicer the servicing information necessary to prepare and distribute the Servicer Certificate required to be delivered under the Sale and Servicing Agreement.

 

(d)           Prior to the expiration of the Transfer Period, the Servicer will send each Obligor written notice containing the following information:  (i) the Servicing Transfer Date, (ii) the address, telephone number and department of the Backup Servicer which is able to answer questions regarding billing, (iii) notification that the legal terms and conditions of such Obligor’s obligations will not be affected by the servicing transfer and (iv) instructions as to how to handle any Contract related questions.  The Backup Servicer will consult with the Servicer concerning the form of any such notice.  If the Servicer has failed to send this notice within three weeks after the Servicing Transfer Date, the Backup Servicer will send such a notice to each such Obligor on the Backup Servicer’s or the Servicer’s stationery within four weeks of the later of (A) the date a counterpart to the Sale and Servicing Agreement executed by the Backup Servicer is effective and (B) the Servicing Transfer Date.  The Servicer will provide the Backup Servicer with its stationery in an amount sufficient to allow for the sending of the notices described in this Section 2.1(d).  The Servicer hereby irrevocably appoints the Backup Servicer as its attorney-in-fact for the purpose of sending such notices.

 

(e)           Effective upon the occurrence of the Servicing Transfer Date, the Servicer hereby irrevocably authorizes and grants to the Backup Servicer an irrevocable power-of-attorney to take any and all steps in the Servicer’s name and on behalf of the Servicer that are necessary or desirable to perform its duties hereunder, including collecting amounts due under the Receivables, endorsing the Servicer’s name on checks and other instruments representing Collections and enforcing the Receivables.

 

(f)            The Servicer shall provide a copy of the Sale and Servicing Agreement to the Backup Servicer on or prior to the Closing Date.

 

Section 2.2.            Representations and Warranties of Backup Servicer.  The Backup Servicer represents and warrants as of the date of execution and delivery of this Agreement (other than with respect to Section 2.2(f), which is as of the dates specified therein):

 

(a)           Organization and Good Standing.  The Backup Servicer has been duly organized and is validly existing and in good standing under the laws of its jurisdiction of organization, with power, authority and legal right to own its properties and to conduct its business as such properties are currently owned and such business is currently conducted, and had at all relevant times, and now has, power, authority and legal right to enter into and perform its obligations under this Agreement;

 

4

 

(b)           Due Qualification.  The Backup Servicer is duly qualified to do business as a foreign corporation in good standing, and has obtained all necessary licenses and approvals, in all jurisdictions where the failure to do so would materially and adversely affect the performance of its obligations under this Agreement;

 

(c)           Power and Authority.  The Backup Servicer has the power and authority to execute and deliver this Agreement and to carry out the terms hereof; and the execution, delivery and performance of this Agreement have been duly authorized by the Backup Servicer by all necessary corporate action;

 

(d)           Binding Obligation.  This Agreement constitutes the legal, valid and binding obligation of the Backup Servicer enforceable in accordance with its terms, except as enforceability may be limited by bankruptcy, insolvency, reorganization or other similar laws affecting the enforcement of creditors rights generally and by equitable limitations on the availability of specific remedies, regardless of whether such enforceability is considered in a proceeding in equity or at law;

 

(e)           No Violation.  The execution and delivery of this Agreement, the consummation of the transactions contemplated by this Agreement, and the fulfillment of the terms hereof, do not conflict with, result in any breach of any of the terms and provisions of, or constitute (with or without notice or lapse of time, or both) a default under, the certificate of incorporation or bylaws of the Backup Servicer, or any indenture, agreement, mortgage, deed of trust or other instrument to which the Backup Servicer is a party or by which it is bound, or result in the creation or imposition of any lien upon any of its properties pursuant to the terms of any such indenture, agreement, mortgage, deed of trust or other instrument, or violate any law, order, rule or regulation applicable to the Backup Servicer of any court or of any federal or State regulatory body, administrative agency or other governmental instrumentality having jurisdiction over the Backup Servicer or any of its properties;

 

(f)            No Proceedings.  As of the date of the Underwriting Agreement, the Preliminary Prospectus Date, the Prospectus Date and the Closing Date, there are no proceedings or investigations pending or, to the Backup Servicer’s knowledge, threatened against the Backup Servicer, before any court, regulatory body, administrative agency or other tribunal or governmental instrumentality having jurisdiction over the Backup Servicer or its properties (i) asserting the invalidity of this Agreement, (ii) seeking to prevent the consummation of any of the transactions contemplated by this Agreement, or (iii) seeking any determination or ruling that might materially and adversely affect the performance by the Backup Servicer of its obligations under, or the validity or enforceability of, this Agreement or otherwise be material to the Noteholders, except as otherwise may be disclosed in the Preliminary Prospectus and the Prospectus; and

 

(g)           No Consents.  The Backup Servicer is not required to obtain the consent of any other party or any consent, license, approval or authorization, or registration or declaration with, any governmental authority, bureau or agency in connection with the execution, delivery, performance, validity or enforceability of this Agreement.

 

5

 

Section 2.3.            Backup Servicing Termination.

 

(a)           Prior to the time the Backup Servicer receives a Transfer Notice, this Agreement may be terminated upon delivery of thirty (30) days advance written notice to the Backup Servicer of such termination.  This Agreement shall be terminated pursuant to the previous sentence if (A) (i) the Servicer notifies the Issuing Entity in writing that the Servicer has engaged a replacement backup servicer or a Successor Servicer, (ii) the agreement with such replacement backup servicer or Successor Servicer, as the case may be, is reasonably satisfactory to the Issuing Entity in form and substance and (iii) the identity of such replacement backup servicer or Successor Servicer, as the case may be, is acceptable to the Issuing Entity in its sole discretion, (B) to the extent Moody’s is hired by CNHCA to rate the Notes and is still rating such Notes, Moody’s shall have been given at least 10 Business Days’ prior notice thereof and shall have not notified the Issuing Entity and the Indenture Trustee that such action will result in a reduction or withdrawal of the then current rating of any Class of the Notes or (C) CNH Global N.V.’s long term unsecured debt credit rating by Moody’s rises to “Ba2” or higher.

 

(b)           (i)                Prior to the time the Backup Servicer receives a Transfer Notice, the Backup Servicer shall not resign as Backup Servicer under this Agreement except upon its determination that the performance of its duties shall no longer be permissible under applicable law. Such resignation shall become effective upon 90 days from the date that notice of such resignation is given. In the event that the Backup Servicer resigns pursuant to this Section 2.3(b)(i), the Backup Servicer agrees to cooperate with the Issuing Entity, and to take such actions as the Issuing Entity may reasonably request, in order to find a replacement backup servicer and to appoint a replacement backup servicer as promptly as possible.

 

(ii)               Notwithstanding the foregoing, prior to the time the Backup Servicer receives a Transfer Notice:

 

(A) The Backup Servicer may resign as Backup Servicer under this Agreement if (I) a replacement backup servicer has been selected by the Backup Servicer or the Issuing Entity, and, if selected by the Backup Servicer, the Depositor has consented in writing to such replacement backup servicer becoming a Successor Backup Servicer hereunder and (II) to the extent Moody’s is hired by CNHCA to rate the Notes and is still rating such Notes, Moody’s shall have been given at least 10 Business Days’ prior written notice thereof (the “Moody’s Notice Period”).  The Servicer will cooperate with the Issuing Entity, and take such actions as the Issuing Entity may reasonably request, to effect the replacement backup servicer’s appointment as Successor Backup Servicer pursuant to Section 2.3(c) within thirty (30) days of the expiration of the Moody’s Notice Period; provided, however, that the Backup Servicer shall continue to perform all duties and obligations under this Agreement until such Successor Backup Servicer’s appointment is effective pursuant to Section 2.3(c).

 

(B)               The Backup Servicer may also resign as Backup Servicer under this Agreement for any reason in its sole judgment and discretion upon delivery of one hundred twenty

 

6

 

(120) days advance written notice to the Issuing Entity of such resignation if CNH Global N.V.’s long term unsecured debt credit rating by Moody’s rises to “Ba2” or higher.

 

(c)           The Issuing Entity may appoint a replacement backup servicer to serve as the backup servicer hereunder (a “Successor Backup Servicer”).  Provided that the Successor Backup Servicer has executed a written assumption instrument acceptable to the Issuing Entity, the Successor Backup Servicer shall become the Backup Servicer hereunder effective on the date specified in such assumption instrument, which shall be a date not later than the day the predecessor Backup Servicer ceases to perform as Backup Servicer hereunder.  The Successor Backup Servicer shall be the successor in all respects to the predecessor Backup Servicer (except with respect to responsibilities and obligations of the predecessor Backup Servicer set forth in Section 3.1) and shall be subject to all the responsibilities, duties and liabilities arising thereafter relating thereto placed on the predecessor Backup Servicer and shall be entitled to the Backup Servicing Fee and all the rights granted to the predecessor Backup Servicer by this Agreement.  None of the Backup Servicer, the Indenture Trustee, the Issuing Entity, the Administrator, the Trustee or any other Successor Backup Servicer shall be deemed to be liable for or in breach of any obligations hereunder due to any act or omission of a predecessor Backup Servicer.

 

Section 2.4.            Backup Servicer Fees; Payment of Expenses by Backup Servicer.  Unless and until the Backup Servicer or another Person is appointed as Successor Servicer, on the Payment Date relating to the Initial Collection Period and each Payment Date thereafter the Backup Servicer shall be entitled to receive the Backup Servicer Fees in accordance with the terms of the Sale and Servicing Agreement and the Indenture.  The Backup Servicer shall further receive all reimbursable Backup Servicer Expenses in accordance with the terms of the Sale and Servicing Agreement and the Indenture.  The Backup Servicer shall be required to pay all other expenses incurred by it in connection with its activities under this Agreement (including taxes imposed on the Backup Servicer and all expenses incurred in connection with reports to the Issuing Entity).

 

ARTICLE III

 

THE BACKUP SERVICER

 

Section 3.1.            Liability of Backup Servicer; Indemnities.

 

(a)           The Backup Servicer shall be liable hereunder only to the extent of the obligations in this Agreement specifically undertaken by the Backup Servicer and the representations made by the Backup Servicer.  Other than as specifically set forth in this Backup Servicing Agreement, the Backup Servicer shall have no obligation to supervise, verify, monitor or administer the performance of the Servicer and shall have no liability for any action taken or omitted by the Servicer.

 

(b)           The Backup Servicer shall indemnify, defend and hold harmless the Servicer, the Issuing Entity and their respective officers, trustees, directors, agents and employees from and against any and all costs, expenses, losses, claims, damages and liabilities to the extent that such cost, expense, loss, claim, damage or liability arose out of,

 

7

 

or was imposed upon the Servicer or the Issuing Entity through the Backup Servicer’s breach of this Agreement, the negligence, willful misfeasance or bad faith of the Backup Servicer in the performance of its duties under this Agreement or by reason of reckless disregard of its obligations and duties under this Agreement.

 

(c)           The Servicer shall indemnify, defend and hold harmless the Backup Servicer and its respective officers, directors, agents and employees from and against any and all costs, expenses, losses, claims, damages and liabilities to the extent that such cost, expense, loss, claim, damage or liability arose out of, or was imposed upon the Backup Servicer through the Servicer’s breach of this Agreement, the negligence, willful misfeasance or bad faith of the Servicer in the performance of its duties under this Agreement or by reason of reckless disregard of its obligations and duties under this Agreement.

 

(d)           The Issuing Entity shall (solely from amounts paid pursuant to Section 5.6(b)(xi) of the Sale and Servicing Agreement) indemnify, defend and hold harmless the Backup Servicer and its respective officers, directors, agents and employees from and against any and all costs, expenses, losses, claims, damages and liabilities to the extent that such cost, expense, loss, claim, damage or liability arose out of, or was imposed upon the Backup Servicer through the Issuing Entity’s breach of this Agreement, the negligence, willful misfeasance or bad faith of the Issuing Entity in the performance of its duties under this Agreement or by reason of reckless disregard of its obligations and duties under this Agreement.

 

(e)           The Backup Servicer may accept and reasonably rely on all accounting and servicing records and other documentation provided to the Backup Servicer by or at the direction of the Servicer, including documents prepared or maintained by any Originator, or Servicer, or any party providing services related to the Receivables (collectively “Third Party”).  The Servicer agrees to indemnify (subject to the limitation provided in Section 3.2 below) and hold harmless the Backup Servicer, its respective officers, employees and agents against any and all claims, losses, penalties, fines, forfeitures, legal fees and related costs, judgments, and any other costs, fees and expenses that the Backup Servicer may sustain in any way related to the negligence, willful misfeasance or bad faith of any Third Party with respect to the Receivables.  The Backup Servicer shall have no duty, responsibility, obligation or liability (collectively “Liability”) for the acts or omissions of any such Third Party.  If any error, inaccuracy or omission (collectively “Error”) exists in any information provided to the Backup Servicer of which it is not aware and such Errors cause or materially contribute to the Backup Servicer making or continuing any Error (collectively “Continuing Errors”), the Backup Servicer shall have no liability for such Continuing Errors; provided, however, that this provision shall not protect the Backup Servicer against any liability which would otherwise be imposed by reason of willful misconduct, bad faith or negligence in failing to discover or correct any Error or in the performance of its duties contemplated herein.

 

In the event the Backup Servicer becomes aware of Errors and/or Continuing Errors which, in the opinion of the Backup Servicer, impair its ability to perform its services hereunder, the Backup Servicer shall promptly notify the Servicer and the Indenture Trustee of

 

8

 

such Errors and/or Continuing Errors.  The Backup Servicer shall discuss such Errors with the Servicer, and the Servicer and the Backup Servicer shall use their reasonable efforts to correct such Errors.  If after such discussion such Errors are not promptly corrected, with the prior consent of the Indenture Trustee, the Backup Servicer may undertake to reconstruct any data or records appropriate to correct such Errors and/or Continuing Errors and to prevent future Continuing Errors.  The Backup Servicer shall be entitled to recover its costs thereby expended as Backup Servicer Expenses in accordance with the Sale and Servicing Agreement and the Indenture.

 

(f)            Indemnification under this Article shall include, without limitation, reasonable fees and expenses of counsel (including but not limited to counsel who may be employees of the Backup Servicer) and expenses of litigation.  If the indemnifying party has made any indemnity payments pursuant to this Article and the recipient thereafter collects any of such amounts from others, the recipient shall promptly repay such amounts collected to the indemnifying party, together with any interest earned thereon.

 

(g)           The provisions of this Section shall survive the termination of this Agreement.

 

Section 3.2.            Limitation on Liability.  Neither the Backup Servicer, the Servicer, the Issuing Entity nor any of their respective directors or officers or employees or agents shall be under any liability to the other, or any party to the Basic Documents except as provided in this Agreement, for any action taken or for refraining from the taking of any action in good faith pursuant to this Agreement; provided, however, that this provision shall not protect the Backup Servicer, the Servicer, the Issuing Entity or any such Person against any liability that would otherwise be imposed by reason of a breach of this Agreement, the inaccuracy of any of their respective representations or warranties set forth in this Agreement or willful misfeasance, bad faith or negligence in the performance of their respective duties, by reason of reckless disregard of obligations and duties under this Agreement or any violation of law by the Backup Servicer, the Servicer, the Issuing Entity or such Person, as the case may be.  The Backup Servicer, the Servicer, the Issuing Entity and any of their respective directors, officers, employees or agents may rely in good faith on the advice of counsel (including but not limited to counsel who may be employees of the Backup Servicer or the Servicer, as the case may be) or on any document of any kind prima facie properly executed and submitted by any Person respecting any matters arising under this Agreement.

 

Section 3.3.            Corporate Existence.  The Backup Servicer shall maintain its existence and rights as a banking corporation under the laws of the jurisdiction of its incorporation, and will obtain and preserve its qualification to do business as a foreign corporation in each jurisdiction in which the failure to so qualify would have an adverse effect on the validity or enforceability of any Receivable or this Agreement or on the ability of the Backup Servicer to perform its duties under this Agreement.

 

Section 3.4.            Insurance.  The Backup Servicer shall maintain adequate insurance in amounts and with terms customarily subscribed by companies in the same industry performing similar functions to those of the Backup Servicer in its role as Backup Servicer or Successor Servicer, as applicable.

 

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Section 3.5.            Compliance with Laws.  The Backup Servicer covenants with the parties hereto that, upon the expiration of the Transfer Period, the practices used or to be used by the Backup Servicer to monitor collections with respect to the Contracts and repossess and dispose of the Financed Equipment related to the contracts will be, in all material respects, legal, proper and in conformity with the requirements of all applicable federal and State laws, rules and regulations.  Upon the expiration of the Transfer Period, the Backup Servicer will be in possession of all State and local licenses (including all debt collection licenses) required for it to perform its services hereunder and under the Sale and Servicing Agreement, and none of such licenses shall have been suspended, revoked or terminated.

 

Section 3.6.            Backup Servicer Legal Proceedings.  At any time when the Backup Servicer’s reporting obligations under Section 15(d) of the Exchange Act are not suspended, the Backup Servicer shall notify the Servicer within 5 Business Days of the date that the Backup Servicer becomes aware of (a) the initiation of any legal proceedings against the Backup Servicer, or of which any property of the Backup Servicer is subject, that are material to the Noteholders, (b) any developments in any such proceedings that are material to the Noteholders and (c) any such material proceedings that are contemplated by any governmental authority against the Backup Servicer or any property of the Backup Servicer that are material to the Noteholders; provided, however that in each case notice need not be provided to the extent disclosure of same would not be required pursuant to the terms of Regulation AB of the Exchange Act.

 

Section 3.7.            Appointment of Backup Servicer Subservicer.  The Backup Servicer may at any time, with the prior written consent of the Servicer, appoint a subservicer to perform all or any portion of its obligations as Backup Servicer hereunder (“Backup Servicer Subservicer”); provided, however, that the Backup Servicer shall remain obligated to perform and be liable to the parties hereto, and the parties included within Section 5.5 of this Agreement, for performing all of its obligations hereunder in accordance with the provisions hereof without diminution of such obligation and liability by virtue of the appointment of such Backup Servicer Subservicer and to the same extent and under the same terms and conditions as if the Backup Servicer alone were performing the obligations hereunder.  The fees and expenses of any Backup Servicer Subservicer shall be as agreed between the Backup Servicer and such Backup Servicer Subservicer from time to time and none of the parties hereto or any other Person shall have any responsibility therefor.  The Servicer hereby consents to the appointment of Systems & Services Technologies, Inc. as a Backup Servicer Subservicer on the Closing Date, subject to compliance by the Backup Servicer with this Section 3.7.

 

ARTICLE IV

 

TERMINATION EVENTS

 

Section 4.1.            Termination Event.  For purposes of this Agreement, each of the following shall constitute a Termination Event (subsections (a) through (d) shall further constitute a “Backup Servicer Event of Default”):

 

(a)           Failure on the part of the Backup Servicer duly to observe or perform in any material respect any covenant or agreement of the Backup Servicer set forth

 

10

 

in this Agreement, which failure continues unremedied for a period of 30 days after the date on which written notice of such failure, requiring the same to be remedied, shall have been given to the Backup Servicer by the Servicer; or

 

(b)           (i) The commencement of an involuntary case under the federal bankruptcy laws, as now or hereinafter in effect, or another present or future federal or State bankruptcy, insolvency or similar law and such case is not dismissed within 60 days; or (ii) the entry of a decree or order for relief by a court or regulatory authority having jurisdiction in respect of the Backup Servicer in an involuntary case under the federal bankruptcy laws, as now or hereafter in effect, or another present or future, federal or State, bankruptcy, insolvency or similar law, or appointing a receiver, liquidator, assignee, trustee, custodian, sequestrator or other similar official of the Backup Servicer or of any substantial part of its properties or ordering the winding up or liquidation of the affairs of the Backup Servicer; or

 

(c)           The commencement by the Backup Servicer of a voluntary case under the federal bankruptcy laws, as now or hereafter in effect, or any other present or future federal or State bankruptcy, insolvency or similar law, or the consent by the Backup Servicer to the appointment of or taking possession by a receiver, liquidator, assignee, trustee, custodian, sequestrator or other similar official of the Backup Servicer or of any substantial part of its property or the making by the Backup Servicer of an assignment for the benefit of creditors or the failure by the Backup Servicer generally to pay its debts as such debts become due or the taking of corporate action by the Backup Servicer in furtherance of any of the foregoing; or

 

(d)           Any representation, warranty or statement of the Backup Servicer made in this Agreement or any certificate, report or other writing delivered by the Backup Servicer pursuant hereto shall prove to be incorrect in any material respect as of the time when the same shall have been made and, within thirty (30) days after written notice thereof shall have been given to the Backup Servicer by the Servicer, the circumstances or condition in respect of which such representation, warranty or statement was incorrect shall not have been waived, eliminated or otherwise cured; or

 

(e)           Failure on the part of the Backup Servicer to receive Backup Servicer Fees or Backup Servicer Expenses as and when due as set forth in the Sale and Servicing Agreement and the Indenture, which failure shall not be cured within twenty (20) days after the date on which written notice of such failure shall have been received by the Servicer and the Issuing Entity; or

 

(f)            Failure on the part of the Backup Servicer to notify the Servicer as required pursuant to Section 3.6.

 

Section 4.2.            Consequences of a Termination Event.

 

(a)           If a Backup Servicer Event of Default (as defined in Section 4.1 above) shall occur and be continuing, the Servicer may, by notice given in writing to the Backup Servicer, terminate all of the rights and obligations of the Backup Servicer under

 

11

 

this Agreement, except as set forth in Sections 3.1(b), (c), (d), (e) and (f).  On or after the receipt by the Backup Servicer of such written notice, all authority, power, obligations and responsibilities of the Backup Servicer under this Agreement shall be terminated (other than Sections 3.1(b), (c), (d), (e) and (f)).  The terminated Backup Servicer agrees to cooperate with the Servicer in effecting the termination of the responsibilities and rights of the terminated Backup Servicer under this Agreement.

 

(b)           Notwithstanding any other provision of this Agreement, in the event of a Termination Event pursuant to Section 4.1(e), this Agreement shall terminate upon expiration of the given cure period, and the Backup Servicer shall then have no obligations or responsibilities under this Agreement, except as set forth in Sections 3.1(b) and (f).

 

ARTICLE V

 

MISCELLANEOUS PROVISIONS

 

Section 5.1.            Waiver; Amendment.  Neither this Agreement nor any provision hereof may be waived, amended or modified orally, but only by an instrument in writing signed by the Servicer, the Seller, the Backup Servicer, the Indenture Trustee and the Issuing Entity; provided that any such amendment shall not materially and adversely affect the interests of any Noteholder; provided, further, that any such amendment shall be deemed not to materially and adversely affect the interests of any Noteholder if any of the following conditions is satisfied:

 

(i)            the Servicer delivers an Opinion of Counsel to the Backup Servicer to the effect that such amendment will not materially and adversely affect the interests of the Noteholders; or

 

(ii)           the Servicer delivers an Officer’s Certificate of the Servicer to the Backup Servicer to the effect that such amendment will not materially and adversely affect the interests of the Noteholders.

 

An amendment shall be deemed not to adversely affect in any material respect the interests of any Noteholders of a Class of Notes if the Rating Agency Condition has been satisfied with respect to such amendment for such Class of Notes.

 

Prior to the execution of any such amendment or consent, the Servicer shall furnish written notification of the substance of such amendment or consent to each of the Rating Agencies.

 

Notwithstanding anything herein to the contrary (other than as provided in the following paragraph), any term or provision of this Agreement may be amended by the Servicer and the Seller without the consent of the Noteholders or any other Person to add, modify or eliminate any provisions as may be necessary or advisable in order to comply with or obtain more favorable treatment for the Issuing Entity, the Depositor or any of their affiliates under or with respect to any law or regulation or any accounting rule or principle (whether now or in the future in effect); it being a condition to any such amendment that the Rating Agency Condition shall have been satisfied.

 

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Section 5.2.            Governing Law.  THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES UNDER THIS AGREEMENT SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS.

 

Section 5.3.            Severability of Provisions.  If any one or more of the covenants, agreements, provisions or terms of this Agreement shall be for any reason whatsoever held invalid, then such covenants, agreements, provisions or terms shall be deemed severable from the remaining covenants, agreements, provisions or terms of this Agreement and shall in no way affect the validity or enforceability of the other provisions of this Agreement.

 

Section 5.4.            Assignment.  Notwithstanding anything to the contrary contained in this Agreement, this Agreement may not be assigned by the Backup Servicer without the prior written consent of the Servicer.

 

Section 5.5.            Third-Party Beneficiaries.  This Agreement shall inure to the benefit of and be binding upon the parties hereto and their respective successors and permitted assigns.  Nothing in this Agreement, express or implied, shall give to any Person, other than the parties hereto, their successors hereunder and the Persons entitled to be indemnified pursuant to Section 3.1, any benefit or any legal or equitable right, remedy or claim under this Agreement.

 

Section 5.6.            Counterparts.  For the purpose of facilitating its execution and for other purposes, this Agreement may be executed simultaneously in any number of counterparts, each of which counterparts shall be deemed to be an original, and all of which counterparts shall constitute but one and the same instrument.

 

Section 5.7.            Notices.  All demands, notices and communications under this Agreement shall be in writing, personally delivered or mailed, or by facsimile transmission: (a) in the case of the Backup Servicer, at the following address: 60 Wall Street, NYC 60-2606, New York, New York 10005, Attention: TSS-SFS, Facsimile Number 212-553-2459; (b) in the case of the Servicer, at the following address: New Holland Credit Company, LLC, 100 Brubaker Avenue, New Holland, Pennsylvania 17557, Attention: Finance Manager, Facsimile Number (630) 887-5448; with a copy to: New Holland Credit Company, LLC, 6900 Veterans Boulevard, Burr Ridge, Illinois 60527, Attention: Assistant Treasurer, Facsimile Number (630) 887-5448; (c) in the case of the Issuing Entity, at the following address: CNH Equipment Trust 2011-A, in care of Wilmington Trust Company, 1100 North Market Street, Wilmington, Delaware 19890, Attention:  Corporate Trust Administration, Facsimile Number (302) 636-4140; (d) in the case of the Seller, to CNH Capital Receivables LLC, 6900 Veterans Boulevard, Burr Ridge, Illinois 60527, Attention: Assistant Treasurer, Facsimile Number (630) 887-5448; and (e) in the case of the Indenture Trustee, at its Corporate Trust Office; or at such other address or facsimile number as shall be designated by any such party in a written notice to the other parties.  All such notices and communications shall be effective, upon receipt, or in the case of (i) notice by mail, five days after being deposited in the United States mail, first class postage prepaid, (ii) notice by telex, when telexed against receipt of answer back, or (iii) notice by facsimile copy, when verbal communication of receipt is obtained.

 

13

 

Section 5.8.            Nonpetition Covenants.  Notwithstanding any prior termination of this Agreement, the Backup Servicer, the Servicer and the Indenture Trustee shall not, prior to the date that is one year and one day after the payment in full of all securities issued by the Issuing Entity or any other special purpose entity to which Seller transfers receivables, which securities are rated at issuance by a nationally recognized statistical rating organization, with respect to the Issuing Entity or the Seller, acquiesce, petition or otherwise invoke or cause the Issuing Entity or the Seller to invoke the process of any court or governmental authority for the purpose of commencing or sustaining a case against the Issuing Entity or the Seller under any federal or state bankruptcy, insolvency or similar law or appointing a receiver, liquidator, assignee, trustee, custodian, sequestrator or other similar official of the Issuing Entity or the Seller or any substantial part of its property, or ordering the winding up or liquidation of the affairs of the Issuing Entity or the Seller.  The foregoing shall not limit the right of the Backup Servicer, the Servicer or the Indenture Trustee to file any claim in or otherwise take any action with respect to any such insolvency proceeding that was instituted against the Issuing Entity or the Seller by any Person other than the Backup Servicer, the Servicer or the Indenture Trustee.

 

Section 5.9.            Term.  The provisions of this Agreement and the duties and obligations of the Backup Servicer hereunder shall commence on the date hereof and shall continue in full force and effect until either (i) if DB Trust is not then the Successor Servicer, the Notes have been repaid in their entirety or (ii) the Pool Balance equals zero, unless earlier terminated pursuant to the terms of this Agreement.

 

Section 5.10.          Limitation of Liability of Trustee.  Notwithstanding anything contained herein to the contrary, this Agreement has been countersigned by Wilmington Trust Company, not in its individual capacity but solely in its capacity as Owner Trustee of the Issuing Entity, and in no event shall Wilmington Trust Company, in its individual capacity, or any beneficial owner of the Issuing Entity have any liability for the representations, warranties, covenants, agreements or other obligations of the Issuing Entity hereunder or in any of the certificates, notices or agreements delivered pursuant hereto, as to all of which recourse shall be had solely to the assets of the Issuing Entity.

 

Section 5.11.          Miscellaneous.  In connection with its execution and performance of this Agreement, the Issuing Entity is entitled to all rights, privileges, benefits and indemnities provided to it under the Sale and Servicing Agreement.

 

Section 5.12.          Confidentiality.  DB Trust shall maintain, and shall cause each officer, employee and agent of itself and its affiliates to maintain, the confidentiality of this Backup Servicing Agreement, the Basic Documents and all other confidential proprietary information with respect to the Servicer, CNH Capital America LLC, the Seller and CNH Global N.V. and their affiliates and successors and each of their respective businesses obtained by DB Trust in connection with the structuring, negotiation and execution of the transactions contemplated herein and in the other Basic Documents or as otherwise provided to DB Trust from time to time due to its role as Backup Servicer or Successor Servicer, except for information that has become publicly available or information disclosed (i) to legal counsel, accountants and other professional advisors to DB Trust, (ii) as required by law, regulation or legal process, (iii) in connection with any legal or regulatory proceeding to which DB Trust or any of their affiliates is subject or (iv) any other disclosure with the prior written consent of CNHCA.

 

14

 

Section 5.13.          Information Requests.  The parties hereto shall provide any information reasonably requested by the Servicer or the Seller or any of their Affiliates, at the expense of such party, in order to comply with or obtain more favorable treatment under any current or future law, rule, regulation, accounting rule or principle.

 

Section 5.14.          Notice to Moody’s.  To the extent Moody’s is hired by CNHCA to rate the Notes and is still rating such Notes, the Servicer shall notify Moody’s upon the termination of this Agreement pursuant to Section 2.3 or the termination of DB Trust as Backup Servicer pursuant to Section 4.2.

 

Section 5.15.          Form 8-K Filings.  So long as the Seller is filing Exchange Act Reports with respect to the Issuer, the Backup Servicer shall promptly notify the Seller, but in no event later than five (5) Business Days after its occurrence, of any Reportable Event of which a Responsible Officer of the Backup Servicer has actual knowledge (other than a Reportable Event described in clause (a) or (b) of the definition thereof as to which the Seller or the Servicer has actual knowledge).  The Backup Servicer shall be deemed to have actual knowledge of any such event to the extent that it relates to the Backup Servicer in its individual capacity or any action by the Backup Servicer under this Agreement.

 

Section 5.16.          Indemnification.

 

(a)           The Backup Servicer shall indemnify the Seller, each Affiliate of the Seller or each Person who controls any of such parties (within the meaning of Section 15 of the Securities Act and Section 20 of the Exchange Act) and the respective present and former directors, officers, employees and agents of each of the foregoing, and shall hold each of them harmless from and against any losses, damages, penalties, fines, forfeitures, legal fees and expenses and related costs, judgments, and any other costs, fees and expenses that any of them may sustain arising out of or based upon:

 

(i)            (A)          any untrue statement of a material fact contained in any information provided in writing by the Backup Servicer to the Seller or its affiliates under Sections 3.6 or 5.15 (such information, the “Provided Information”), or (B) the omission to state in the Provided Information a material fact required to be stated in the Provided Information, or necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading; provided, by way of clarification, that clause (B) of this paragraph shall be construed solely by reference to the related information and not to any other information communicated in connection with a sale or purchase of securities, without regard to whether the Provided Information or any portion thereof is presented together with or separately from such other information; or

 

(ii)           any failure by the Backup Servicer to deliver any information report, or other material when and as required under Sections 3.6 or 5.15.

 

(b)           In the case of any failure of performance described in clause (a)(ii) of this Section, the Backup Servicer shall promptly reimburse the Seller for all costs reasonably incurred in order to obtain the information, report or other material not delivered as required by the Backup Servicer.

 

15

 

(c)           Notwithstanding anything to the contrary contained herein, in no event shall the Backup Servicer be liable under this Section 5.16 for special, indirect or consequential damages of any kind whatsoever, including but not limited to lost profits, even if the Backup Servicer has been advised of the likelihood of such loss or damage and regardless of the form of action.

 

(d)           Depositor agrees to pay, and to protect, indemnify and save harmless the Backup Servicer, and its respective officers, directors, shareholders, employees, agents and each person, if any, who controls the Backup Servicer, within the meaning of either Section 15 of the Securities Act or Section 20 of the Exchange Act, from and against, any and all claims, losses, liabilities (including penalties), actions, suits, judgments, demands, damages, costs or expenses (including reasonable fees and expenses of attorneys or, as necessary, consultants and auditors and reasonable costs of investigations) (collectively, “Backup Servicer Losses”) of any nature to the extent such Backup Servicer Losses arise out of or are based upon any untrue statement of a material fact contained under the heading “Depositor” in the base prospectus contained in the Preliminary Prospectus and the Prospectus or any omission to state under the heading “Depositor” in the base prospectus contained in the Preliminary Prospectus and the Prospectus a material fact required to be stated therein or necessary to make the statements therein, in light of the circumstance under which they were made, not misleading.  Notwithstanding anything to the contrary contained herein, in no event shall the Depositor be liable under this Section 5.16 for special, indirect or consequential damages of any kind whatsoever, including but not limited to lost profits, even if the Depositor has been advised of the likelihood of such loss or damage and regardless of the form of action.

 

Section 5.17.          Communications with Rating Agencies.  The parties hereto (other than the Seller and its Affiliates but excluding the Issuing Entity) agree that any notices or requests to, or any other written communications with, any of the Rating Agencies, or any of their respective officers, directors or employees, to be given or provided to such Rating Agencies pursuant to, in connection with or related, directly or indirectly, to the Basic Documents, the Collateral or the Notes, shall be in each case either (i) furnished to the Seller who shall forward such communication to the Rating Agencies pursuant to Section 10.18 of the Sale and Servicing Agreement; or (ii) furnished directly to the Rating Agencies with a prior copy to the Seller.  In either case, the parties hereto (other than the Seller and its Affiliates but excluding the Issuing Entity) further agree to provide such notices, requests and communications or copies thereof, as applicable, to the Seller at least one Business Day prior to the date when such notices, requests and communications are required to be delivered (or are in fact delivered, whichever is earlier) to the Rating Agencies pursuant to the Basic Documents.  So long as any Notes are Outstanding, each party hereto (other than the Seller and its Affiliates but excluding the Issuing Entity) agrees that neither it nor any party on its behalf shall engage in any oral communications with respect to the transactions contemplated hereby, under the Basic Documents or in any way relating to the Notes with any Rating Agency or any of their respective officers, directors or employees, without the participation of the Seller.

 

[The balance of this page has been intentionally left blank]

 

16

 

IN WITNESS WHEREOF, the Servicer, the Issuing Entity, the Backup Servicer, the Seller and the Indenture Trustee have caused this Backup Servicing Agreement to be duly executed by their respective officers as of the day and year first above written.

 

	
 
    	
NEW HOLLAND CREDIT COMPANY, LLC,
    
	
 
    	
as   Servicer
    
	
 
    	
 
    
	
 
    	
 
    
	
 
    	
By:
    	
/s/   Thomas N. Beckmann
    
	
 
    	
Name:
    	
Thomas   N. Beckmann
    
	
 
    	
Title:
    	
Assistant   Treasurer
    
	
 
    	
 
    
	
 
    	
 
    
	
 
    	
CNH CAPITAL RECEIVABLES LLC,
    
	
 
    	
as   Seller
    
	
 
    	
 
    
	
 
    	
 
    
	
 
    	
By:
    	
/s/   Thomas N. Beckmann
    
	
 
    	
Name:
    	
Thomas   N. Beckmann
    
	
 
    	
Title:
    	
Assistant   Treasurer
    
	
 
    	
 
    
	
 
    	
 
    
	
 
    	
CNH EQUIPMENT TRUST 2011-A,
    
	
 
    	
as   Issuing Entity
    
	
 
    	
 
    
	
 
    	
By:
    	
Wilmington   Trust Company, not in its individual capacity but solely as Trustee
    
	
 
    	
 
    
	
 
    	
 
    
	
 
    	
By:
    	
/s/   Dorri Costello
    
	
 
    	
Name:
    	
Dorri   Costello
    
	
 
    	
Title:
    	
Financial   Services Officer
    
	
 
    	
 
    
	
 
    	
 
    
	
 
    	
DEUTSCHE BANK TRUST COMPANY AMERICAS, as Backup   Servicer
    
	
 
    	
 
    
	
 
    	
 
    
	
 
    	
By:
    	
/s/   Sue Kim
    
	
 
    	
Name:
    	
Sue   Kim
    
	
 
    	
Title:
    	
Assistant   Vice President
    
	
 
    	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/   Mark Esposito
    
	
 
    	
Name:
    	
Mark   Esposito
    
	
 
    	
Title:
    	
Associate
    

 

 

	
ACKNOWLEDGED AND AGREED:
    	
 
    
	
 
    	
 
    
	
DEUTSCHE BANK TRUST COMPANY AMERICAS, not in its   individual capacity but solely as Indenture Trustee
    	
 
    
	
 
    	
 
    
	
 
    	
 
    
	
By:
    	
/s/   Sue Kim
    	
 
    
	
Name:
    	
Sue   Kim
    	
 
    
	
Title:
    	
Assistant   Vice President
    	
 
    
	
 
    	
 
    	
 
    
	
By:
    	
/s/   Mark Esposito
    	
 
    
	
Name:
    	
Mark   Esposito
    	
 
    
	
Title:
    	
Associate
    	
 
    

 

(Backup Servicing Agreement)

 

 

SCHEDULE I

 

DESCRIPTION OF VERIFICATION AND CONFIRMATION DUTIES
 (BACKUP SERVICING)

 

The Backup Servicer shall provide the following services related to backup servicing in connection with the Contracts.

 

(i)            The Backup Servicer will work with the Servicer’s personnel to obtain the necessary systems and data information from the servicing systems in use by the Servicer (the form of the “Initial Data File Data Layouts and Definitions” is set forth in Appendix A).  Using this information, the Backup Servicer will create a set of conversion routines and database mapping programs, as necessary, that will enable the Backup Servicer to receive data from the Servicer on a monthly basis (at the time and in the manner specified in Section 2.1(a) of the Backup Servicing Agreement) and to ensure that the data is readable.

 

(ii)           On a monthly basis, commencing with the Initial Collection Period, the Backup Servicer shall (x) verify receipt of the monthly data files, the form of which is set forth in Appendix B, required to be delivered by the Servicer (at the time and in the manner specified in Section 2.1(a) of the Backup Servicing Agreement) and (y) verify that the records and data contained in the monthly data files are in a readable format.

 

(iii)          On the 10th Business Day after receipt of the monthly data files and the Servicer’s Certificate from the Servicer (“Backup Servicer Notice Date”), the Backup Servicer shall notify the Servicer that (i) the Backup Servicer has reviewed the monthly data files for the related Collection Period, (ii) a review of the information concerning delinquency aging, defaults and ending Contract Value reflected on the Servicer’s Certificate has been made and (iii) to the best of DB Trust’s knowledge using its best reasonable efforts, the data in such monthly data files ties to such items on the Servicer’s Certificate, resulting in no discrepancies between them.  If the preceding statement cannot be made in the affirmative, on or by the Backup Servicer Notice Date, DB Trust shall notify the Servicer of the nature of any and all discrepancies.  The Backup Servicer and the Servicer shall attempt to reconcile all discrepancies with respect to such Servicer’s Certificate.  The effect, if any, of such reconciliation shall be reflected in the next succeeding Servicer’s Certificate.

 

 

APPENDIX A

 

INITIAL DATA FILE DATA LAYOUTS AND DEFINITIONS

 

	
Record length = 100
    	
 
    	
LOS01
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    
	
DESCRIPTION
    	
 
    	
START
    	
 
    	
END
    	
 
    	
POS
    	
 
    	
ANNOTATIONS
    
	
ENTITY
    	
 
    	
001
    	
 
    	
005
    	
 
    	
5
    	
 
    	
 
    
	
COST CENTER
    	
 
    	
006
    	
 
    	
011
    	
 
    	
6
    	
 
    	
 
    
	
POOL IDENTIFIER
    	
 
    	
012
    	
 
    	
014
    	
 
    	
3
    	
 
    	
 
    
	
SUB POOL IDENTIFIER
    	
 
    	
015
    	
 
    	
024
    	
 
    	
10
    	
 
    	
 
    
	
CUSTOMER #
    	
 
    	
025
    	
 
    	
034
    	
 
    	
10
    	
 
    	
 
    
	
NOTE #
    	
 
    	
035
    	
 
    	
042
    	
 
    	
8
    	
 
    	
 
    
	
MT CODE
    	
 
    	
043
    	
 
    	
045
    	
 
    	
3
    	
 
    	
 
    
	
TRANSACTION CODE
    	
 
    	
046
    	
 
    	
047
    	
 
    	
2
    	
 
    	
WILL HAVE ‘MT’ IF FEED IS FROM MT, OTHERWISE THE CL TRANS.   CODE.
    
	
TRANSACTION CODE QUALIFIER
    	
 
    	
048
    	
 
    	
049
    	
 
    	
2
    	
 
    	
 
    
	
TRANSACTION DATE
    	
 
    	
050
    	
 
    	
057
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
BUSINESS LINE
    	
 
    	
058
    	
 
    	
059
    	
 
    	
2
    	
 
    	
 
    
	
ACKTBL TRANSACTION CODE
    	
 
    	
060
    	
 
    	
062
    	
 
    	
3
    	
 
    	
 
    
	
TRANSACTION AMOUNT
    	
 
    	
063
    	
 
    	
079
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
063
    	
 
    	
063
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
064
    	
 
    	
076
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
077
    	
 
    	
077
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
078
    	
 
    	
079
    	
 
    	
2
    	
 
    	
 
    
	
GL ACCOUNT NUMBER
    	
 
    	
080
    	
 
    	
093
    	
 
    	
14
    	
 
    	
 
    
	
ACCOUNT
    	
 
    	
080
    	
 
    	
089
    	
 
    	
10
    	
 
    	
 
    
	
SUB ACCOUNT NUMBER
    	
 
    	
090
    	
 
    	
093
    	
 
    	
4
    	
 
    	
 
    
	
VARIABLE RATE TYPE
    	
 
    	
094
    	
 
    	
095
    	
 
    	
2
    	
 
    	
 
    
	
FILLER
    	
 
    	
094
    	
 
    	
100
    	
 
    	
5
    	
 
    	
 
    

 

	
Record length = 3775
    	
 
    	
SS01
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    
	
DESCRIPTION
    	
 
    	
START
    	
 
    	
END
    	
 
    	
POS.
    	
 
    	
ANNOTATIONS
    
	
ACCOUNT #
    	
 
    	
0001
    	
 
    	
0026
    	
 
    	
26
    	
 
    	
 
    
	
BANK CODE
    	
 
    	
0001
    	
 
    	
0002
    	
 
    	
2
    	
 
    	
 
    
	
BRANCH CODE
    	
 
    	
0003
    	
 
    	
0005
    	
 
    	
3
    	
 
    	
 
    
	
RETAIL/LEASE CODE
    	
 
    	
0006
    	
 
    	
0008
    	
 
    	
3
    	
 
    	
 
    
	
CUSTOMER #
    	
 
    	
0009
    	
 
    	
0018
    	
 
    	
10
    	
 
    	
 
    
	
NOTE #
    	
 
    	
0019
    	
 
    	
0026
    	
 
    	
8
    	
 
    	
 
    
	
POOL IDENTIFIER
    	
 
    	
0027
    	
 
    	
0029
    	
 
    	
3
    	
 
    	
 
    
	
SUB POOL IDENTIFIER
    	
 
    	
0030
    	
 
    	
0039
    	
 
    	
10
    	
 
    	
 
    
	
CONTRACT DATE
    	
 
    	
0040
    	
 
    	
0047
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
ORIGINAL MATURITY DATE
    	
 
    	
0048
    	
 
    	
0055
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
CURRENT MATURITY DATE
    	
 
    	
0056
    	
 
    	
0063
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
ORIGINAL AMOUNT FINANCED
    	
 
    	
0064
    	
 
    	
0080
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
0064
    	
 
    	
0064
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
0065
    	
 
    	
0077
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0078
    	
 
    	
0078
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
0079
    	
 
    	
0080
    	
 
    	
2
    	
 
    	
 
    
	
CURRENT OBLIGOR BALANCE
    	
 
    	
0081
    	
 
    	
0097
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
0081
    	
 
    	
0081
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
0082
    	
 
    	
0094
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0095
    	
 
    	
0095
    	
 
    	
1
    	
 
    	
 
    

 

Appendix A-1

 

	
CENTS
    	
 
    	
0096
    	
 
    	
0097
    	
 
    	
2
    	
 
    	
 
    
	
CURRENT HOLDER BALANCE
    	
 
    	
0098
    	
 
    	
0114
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
0098
    	
 
    	
0098
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
0099
    	
 
    	
0111
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0112
    	
 
    	
0112
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
0113
    	
 
    	
0114
    	
 
    	
2
    	
 
    	
 
    
	
FIRST DUE DATE
    	
 
    	
0115
    	
 
    	
0122
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
NEXT DUE DATE
    	
 
    	
0123
    	
 
    	
0130
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
NEXT PAYMENT AMOUNT
    	
 
    	
0131
    	
 
    	
0147
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
0131
    	
 
    	
0131
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
0132
    	
 
    	
0144
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0145
    	
 
    	
0145
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
0146
    	
 
    	
0147
    	
 
    	
2
    	
 
    	
 
    
	
CURRENT INTEREST RATE (APR)
    	
 
    	
0148
    	
 
    	
0155
    	
 
    	
8
    	
 
    	
 
    
	
SIGN
    	
 
    	
0148
    	
 
    	
0148
    	
 
    	
1
    	
 
    	
 
    
	
LEFT OF DECIMAL
    	
 
    	
0149
    	
 
    	
0149
    	
 
    	
1
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0150
    	
 
    	
0150
    	
 
    	
1
    	
 
    	
 
    
	
RIGHT OF DECIMAL
    	
 
    	
0151
    	
 
    	
0155
    	
 
    	
5
    	
 
    	
 
    
	
ORIGINAL TERMS
    	
 
    	
0156
    	
 
    	
0158
    	
 
    	
3
    	
 
    	
 
    
	
PAYMENT METHOD
    	
 
    	
0159
    	
 
    	
0159
    	
 
    	
1
    	
 
    	
C=COUPON
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
A=ACH
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
B=BILL
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
N=NO BILL
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    
	
INTEREST TYPE
    	
 
    	
0160
    	
 
    	
0161
    	
 
    	
2
    	
 
    	
00 = SIMPLE INTEREST
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
01=SIMPLE INTEREST
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
02=78’S INTEREST
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
03=STRAIGHT LINE INTEREST
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
04=SIMPLE   INTEREST (ON SCHEDULED PRIN. BAL.)

 FOR LOANS W/AMORTIZED

 PAYMENT SCHEDULE.
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
05=SIMPLE INT. AVERAGE BAL.
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
07=SIMPLE INT. W/BALANCE
    

 

	
DESCRIPTION
    	
 
    	
START
    	
 
    	
END
    	
 
    	
POS.
    	
 
    	
ANNOTATIONS
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
SPREAD RATE ADJ.
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
08=ACTURIAL
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
09=SUM OF BALANCE
    
	
# OF DAYS LATE TO ASSESS LATE FEES
    	
 
    	
0162
    	
 
    	
0164
    	
 
    	
3
    	
 
    	
 
    
	
LATE FEE AMOUNT
    	
 
    	
0165
    	
 
    	
0181
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
0165
    	
 
    	
0165
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
0166
    	
 
    	
0178
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0179
    	
 
    	
0179
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
0180
    	
 
    	
0181
    	
 
    	
2
    	
 
    	
 
    
	
LATE FEE PERCENT
    	
 
    	
0182
    	
 
    	
0189
    	
 
    	
8
    	
 
    	
 
    
	
SIGN
    	
 
    	
0182
    	
 
    	
0182
    	
 
    	
1
    	
 
    	
 
    
	
LEFT OF DECIMAL
    	
 
    	
0183
    	
 
    	
0183
    	
 
    	
1
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0184
    	
 
    	
0184
    	
 
    	
1
    	
 
    	
 
    
	
RIGHT OF DECIMAL
    	
 
    	
0185
    	
 
    	
0189
    	
 
    	
5
    	
 
    	
 
    
	
INTEREST PAID THROUGH DATE
    	
 
    	
0190
    	
 
    	
0197
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
INTEREST ACCRUED/UNPAID AT TRANSFER
    	
 
    	
0198
    	
 
    	
0214
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
0198
    	
 
    	
0198
    	
 
    	
1
    	
 
    	
 
    

 

Appendix A-2

 

	
DOLLARS
    	
 
    	
0199
    	
 
    	
0211
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0212
    	
 
    	
0212
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
0213
    	
 
    	
0214
    	
 
    	
2
    	
 
    	
 
    
	
LATE FEES DUE
    	
 
    	
0215
    	
 
    	
0231
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
0215
    	
 
    	
0215
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
0216
    	
 
    	
0228
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0229
    	
 
    	
0229
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
0230
    	
 
    	
0231
    	
 
    	
2
    	
 
    	
 
    
	
OTHER AMOUNT DUE
    	
 
    	
0232
    	
 
    	
0248
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
0232
    	
 
    	
0232
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
0233
    	
 
    	
0245
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0246
    	
 
    	
0246
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
0247
    	
 
    	
0248
    	
 
    	
2
    	
 
    	
 
    
	
REMAINING TERM
    	
 
    	
0249
    	
 
    	
0251
    	
 
    	
3
    	
 
    	
 
    
	
CHARGE OFF DATE
    	
 
    	
0252
    	
 
    	
0259
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
CHARGE OFF AMOUNT
    	
 
    	
0260
    	
 
    	
0276
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
0260
    	
 
    	
0260
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
0261
    	
 
    	
0273
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0274
    	
 
    	
0274
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
0275
    	
 
    	
0276
    	
 
    	
2
    	
 
    	
 
    
	
CONTRACT STATE (DEALER)
    	
 
    	
0277
    	
 
    	
0278
    	
 
    	
2
    	
 
    	
 
    
	
LAST PAYMENT DATE
    	
 
    	
0279
    	
 
    	
0286
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    
	
TIMES PAST DUE DATA (1st occ. Info. Below)
    	
 
    	
0287
    	
 
    	
0306
    	
 
    	
20
    	
 
    	
OCCURS 5 TIMES
    
	
SIGN
    	
 
    	
0287
    	
 
    	
0287
    	
 
    	
1
    	
 
    	
OCC 1 = 10 DAYS PAST DUE
    
	
DAYS
    	
 
    	
0288
    	
 
    	
0290
    	
 
    	
3
    	
 
    	
OCC 2 = 30 DAYS PAST DUE
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
OCC 3 = 60 DAYS PAST DUE
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
OCC 4 = 90 DAYS PAST DUE
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
OCC 5 = 120 DAYS PAST DUE
    
	
NUMBER OF NSF CHECKS
    	
 
    	
0307
    	
 
    	
0308
    	
 
    	
2
    	
 
    	
 
    
	
BUY-BACK (CLOSEOUT FEE)
    	
 
    	
0309
    	
 
    	
0316
    	
 
    	
8
    	
 
    	
 
    
	
SIGN
    	
 
    	
0309
    	
 
    	
0309
    	
 
    	
1
    	
 
    	
 
    
	
LEFT OF DECIMAL
    	
 
    	
0310
    	
 
    	
0310
    	
 
    	
1
    	
 
    	
 
    
	
DECIAML
    	
 
    	
0311
    	
 
    	
0311
    	
 
    	
1
    	
 
    	
 
    
	
RIGHT OF DECIMAL
    	
 
    	
0312
    	
 
    	
0316
    	
 
    	
5
    	
 
    	
 
    
	
BRANCH/REGION/PROCESSING CENTER
    	
 
    	
0317
    	
 
    	
0319
    	
 
    	
3
    	
 
    	
 
    
	
ORIGINATOR APPLICATION NUMBER
    	
 
    	
0320
    	
 
    	
0329
    	
 
    	
10
    	
 
    	
 
    
	
ORIGINATOR FUNDING DATE
    	
 
    	
0330
    	
 
    	
0337
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
PAY AHEAD BALANCE
    	
 
    	
0338
    	
 
    	
0354
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
0338
    	
 
    	
0338
    	
 
    	
1
    	
 
    	
 
    

 

	
DESCRIPTION
    	
 
    	
START
    	
 
    	
END
    	
 
    	
POS.
    	
 
    	
ANNOTATIONS
    
	
DOLLARS
    	
 
    	
0339
    	
 
    	
0351
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0352
    	
 
    	
0352
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
0353
    	
 
    	
0354
    	
 
    	
2
    	
 
    	
 
    
	
TITLE STATE
    	
 
    	
0355
    	
 
    	
0356
    	
 
    	
2
    	
 
    	
 
    
	
RECOURSE CODE
    	
 
    	
0357
    	
 
    	
0357
    	
 
    	
1
    	
 
    	
 
    
	
PDI INSURANCE
    	
 
    	
0358
    	
 
    	
0358
    	
 
    	
1
    	
 
    	
R=RAMSEY-KRUG
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
U=UNIVERSAL
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
F=FIREMANS’S FUND
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
G=EPG
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
O=OTHER
    

 

Appendix A-3

 

	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
SPACE=NONE
    
	
LIFE INSURANCE
    	
 
    	
0359
    	
 
    	
0359
    	
 
    	
1
    	
 
    	
M=AMERICAN MODERN (USA)
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
P=PACIFIC LIFE (CANADA)
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
SPACE=NONE
    
	
LIABILITY INSURANCE
    	
 
    	
0360
    	
 
    	
0360
    	
 
    	
1
    	
 
    	
E=ELPA
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
SPACE=NONE
    
	
DISABILITY INSURANCE
    	
 
    	
0361
    	
 
    	
0361
    	
 
    	
1
    	
 
    	
M=AMERICAN MODERN
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
SPACE=NONE
    
	
ESPP INSURANCE
    	
 
    	
0362
    	
 
    	
0362
    	
 
    	
1
    	
 
    	
G=EPG
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
SPACE=NONE
    
	
RESIDUAL INSURANCE
    	
 
    	
0363
    	
 
    	
0363
    	
 
    	
1
    	
 
    	
P=PACIFIC LIFE (CANADA)
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
SPACE=NONE
    
	
LOAN STATUS
    	
 
    	
0364
    	
 
    	
0364
    	
 
    	
1
    	
 
    	
A=ACTIVE
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
C=CLOSED
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
D=ACCOUNT IN REPOSSESSION  BUT NOT IN BANKRUPTCY.
    
	
REPO BALANCE
    	
 
    	
0365
    	
 
    	
0381
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
0365
    	
 
    	
0365
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
0366
    	
 
    	
0378
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0379
    	
 
    	
0379
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
0380
    	
 
    	
0381
    	
 
    	
2
    	
 
    	
 
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    
	
REPO ESTIMATED LOSS
    	
 
    	
0382
    	
 
    	
0398
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
0382
    	
 
    	
0382
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
0383
    	
 
    	
0395
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0396
    	
 
    	
0396
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
0397
    	
 
    	
0398
    	
 
    	
2
    	
 
    	
 
    
	
INTEREST START DATE
    	
 
    	
0399
    	
 
    	
0406
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    
	
FIXED OR VARIABLE
    	
 
    	
0407
    	
 
    	
0407
    	
 
    	
1
    	
 
    	
F=FIXED
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
V=VARIABLE
    
	
VARIABLE INDEX ADDITION
    	
 
    	
0408
    	
 
    	
0415
    	
 
    	
8
    	
 
    	
 
    
	
SIGN
    	
 
    	
0408
    	
 
    	
0408
    	
 
    	
1
    	
 
    	
 
    
	
LEFT OF DECIMAL
    	
 
    	
0409
    	
 
    	
0409
    	
 
    	
1
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0410
    	
 
    	
0410
    	
 
    	
1
    	
 
    	
 
    
	
RIGHT OF DECIMAL
    	
 
    	
0411
    	
 
    	
0415
    	
 
    	
5
    	
 
    	
 
    
	
VARIABLE FLOOR
    	
 
    	
0416
    	
 
    	
0423
    	
 
    	
8
    	
 
    	
 
    
	
SIGN
    	
 
    	
0416
    	
 
    	
0416
    	
 
    	
1
    	
 
    	
 
    
	
LEFT OF DECIMAL
    	
 
    	
0417
    	
 
    	
0417
    	
 
    	
1
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0418
    	
 
    	
0418
    	
 
    	
1
    	
 
    	
 
    
	
RIGHT OF DECIMAL
    	
 
    	
0419
    	
 
    	
0423
    	
 
    	
5
    	
 
    	
 
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    
	
VARIABLE CEILING
    	
 
    	
0424
    	
 
    	
0431
    	
 
    	
8
    	
 
    	
 
    
	
SIGN
    	
 
    	
0424
    	
 
    	
0424
    	
 
    	
1
    	
 
    	
 
    
	
LEFT OF DECIMAL
    	
 
    	
0425
    	
 
    	
0425
    	
 
    	
1
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0426
    	
 
    	
0426
    	
 
    	
1
    	
 
    	
 
    
	
RIGHT OF DECIMAL
    	
 
    	
0427
    	
 
    	
0431
    	
 
    	
5
    	
 
    	
 
    
	
STOP ACCRUAL INTEREST
    	
 
    	
0432
    	
 
    	
0448
    	
 
    	
17
    	
 
    	
 
    

 

	
DESCRIPTION
    	
 
    	
START
    	
 
    	
END
    	
 
    	
POS.
    	
 
    	
ANNOTATIONS
    
	
SIGN
    	
 
    	
0432
    	
 
    	
0432
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
0433
    	
 
    	
0445
    	
 
    	
13
    	
 
    	
 
    

 

Appendix A-4

 

	
DECIMAL
    	
 
    	
0446
    	
 
    	
0446
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
0447
    	
 
    	
0448
    	
 
    	
2
    	
 
    	
 
    
	
STOP ACCRUAL DATE
    	
 
    	
0449
    	
 
    	
0456
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
PAYMENT SCHEDULE REVIEW
    	
 
    	
0457
    	
 
    	
0457
    	
 
    	
1
    	
 
    	
 
    
	
RESIDUAL AMOUNT (FINANCE LEASES)
    	
 
    	
0458
    	
 
    	
0474
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
0458
    	
 
    	
0458
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
0459
    	
 
    	
0471
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0472
    	
 
    	
0472
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
0473
    	
 
    	
0474
    	
 
    	
2
    	
 
    	
 
    
	
FINANCE CHARGE (PRE COMPUTED)
    	
 
    	
0475
    	
 
    	
0491
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
0475
    	
 
    	
0475
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
0476
    	
 
    	
0488
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0489
    	
 
    	
0489
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
0490
    	
 
    	
0491
    	
 
    	
2
    	
 
    	
 
    
	
DUE DATE/PAYMENT AMT. INFO. (1st occ. Info. Below)
    	
 
    	
0492
    	
 
    	
2991
    	
 
    	
2500
    	
 
    	
OCCURS 100 TIMES
    
	
DUE DATE
    	
 
    	
0492
    	
 
    	
0499
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
DUE AMOUNT
    	
 
    	
0500
    	
 
    	
0514
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
0500
    	
 
    	
0500
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
0501
    	
 
    	
0513
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0514
    	
 
    	
0514
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
0515
    	
 
    	
0516
    	
 
    	
2
    	
 
    	
 
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    
	
BILL DATE/PAYMENT INFO. (1st occ. info. below)
    	
 
    	
2992
    	
 
    	
3447
    	
 
    	
456
    	
 
    	
OCCURS 6 TIMES
    
	
BILLED DUE DATE
    	
 
    	
2992
    	
 
    	
2999
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
BILLED PRINCIPAL
    	
 
    	
3000
    	
 
    	
3016
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
3000
    	
 
    	
3000
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
3001
    	
 
    	
3013
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
3014
    	
 
    	
3014
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
3015
    	
 
    	
3016
    	
 
    	
2
    	
 
    	
 
    
	
BILLED INTEREST
    	
 
    	
3017
    	
 
    	
3033
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
3017
    	
 
    	
3017
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
3018
    	
 
    	
3030
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
3031
    	
 
    	
3031
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
3032
    	
 
    	
3033
    	
 
    	
2
    	
 
    	
 
    
	
BILLED LATE CHARGES
    	
 
    	
3034
    	
 
    	
3050
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
3034
    	
 
    	
3034
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
3035
    	
 
    	
3047
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
3048
    	
 
    	
3048
    	
 
    	
1
    	
 
    	
 
    
	
SIGN
    	
 
    	
3049
    	
 
    	
3050
    	
 
    	
2
    	
 
    	
 
    
	
BILLED OTHER FEES
    	
 
    	
3051
    	
 
    	
3067
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
3051
    	
 
    	
3051
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
3052
    	
 
    	
3064
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
3065
    	
 
    	
3065
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
3066
    	
 
    	
3067
    	
 
    	
2
    	
 
    	
 
    
	
BILLED THROUGH DATE
    	
 
    	
3448
    	
 
    	
3455
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
ACCRUAL BASIS YEAR
    	
 
    	
3456
    	
 
    	
3456
    	
 
    	
1
    	
 
    	
0=365-DAY YEAR
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
1=360-DAY YEAR
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
2=365/366-DAY YEAR
    
	
ACCRUAL BASIS MONTH
    	
 
    	
3457
    	
 
    	
3457
    	
 
    	
1
    	
 
    	
0=ACTUAL-DAYMONTH
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
1=30-DAY MONTH
    
	
PAYMENT SCHEDULE INFO. (1st occ. Info. below)
    	
 
    	
3458
    	
 
    	
3637
    	
 
    	
180
    	
 
    	
OCCURS 5 TIMES
    

 

Appendix A-5

 

	
PAYMENT SCHEDULE STATUS
    	
 
    	
3458
    	
 
    	
3458
    	
 
    	
1
    	
 
    	
 
    
	
PAYMENT SCHEDULE TYPE
    	
 
    	
3459
    	
 
    	
3459
    	
 
    	
1
    	
 
    	
 
    
	
PAYMENT SCHEDULE INTERVAL
    	
 
    	
3460
    	
 
    	
3462
    	
 
    	
3
    	
 
    	
 
    
	
PAYMENT SCHEDULE START DATE
    	
 
    	
3463
    	
 
    	
3470
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
PAYMENT SCHEDULE TOTAL PAYMENTS
    	
 
    	
3471
    	
 
    	
3473
    	
 
    	
3
    	
 
    	
 
    

 

	
DESCRIPTION
    	
 
    	
START
    	
 
    	
END
    	
 
    	
POS.
    	
 
    	
ANNOTATIONS
    
	
PAYMENT SCHEDULE TIMES BILLED
    	
 
    	
3474
    	
 
    	
3476
    	
 
    	
3
    	
 
    	
 
    
	
PAYMENT SCHEDULE AMOUNT
    	
 
    	
3477
    	
 
    	
3493
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
3477
    	
 
    	
3477
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
3478
    	
 
    	
3490
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
3491
    	
 
    	
3491
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
3492
    	
 
    	
3493
    	
 
    	
2
    	
 
    	
 
    
	
CURRENT PAYOFF AMOUNT
    	
 
    	
3638
    	
 
    	
3654
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
3638
    	
 
    	
3638
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
3639
    	
 
    	
3651
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
3652
    	
 
    	
3652
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
3653
    	
 
    	
3654
    	
 
    	
2
    	
 
    	
 
    
	
NON RECOGNIZED ACCRUED INTEREST
    	
 
    	
3655
    	
 
    	
3671
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
3655
    	
 
    	
3655
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
3656
    	
 
    	
3668
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
3669
    	
 
    	
3669
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
3670
    	
 
    	
3671
    	
 
    	
2
    	
 
    	
 
    
	
VARIABLE RATE TYPE
    	
 
    	
3672
    	
 
    	
3673
    	
 
    	
2
    	
 
    	
11 = CHANGES ON 15TH (USA)
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
12 = CHANGES ON 20TH (USA)
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
22 = CHANGES ON 15TH (CAN.)
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
23 = CHANGES ON 20TH (CAN.)
    
	
RSS MONTHLY CASH FLOW
    	
 
    	
3674
    	
 
    	
3690
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
3674
    	
 
    	
3674
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
3675
    	
 
    	
3687
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
3688
    	
 
    	
3688
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
3689
    	
 
    	
3690
    	
 
    	
2
    	
 
    	
 
    
	
PRINCIPAL WRITE OFF AMOUNT
    	
 
    	
3691
    	
 
    	
3707
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
3691
    	
 
    	
3691
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
3692
    	
 
    	
3704
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
3705
    	
 
    	
3705
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
3706
    	
 
    	
3707
    	
 
    	
2
    	
 
    	
 
    
	
PAST DUE DAYS
    	
 
    	
3708
    	
 
    	
3713
    	
 
    	
6
    	
 
    	
 
    
	
SIGN
    	
 
    	
3708
    	
 
    	
3708
    	
 
    	
1
    	
 
    	
 
    
	
DAYS
    	
 
    	
3709
    	
 
    	
3713
    	
 
    	
5
    	
 
    	
 
    
	
PAST DUE ALTERNATE
    	
 
    	
3714
    	
 
    	
3719
    	
 
    	
6
    	
 
    	
 
    
	
SIGN
    	
 
    	
3714
    	
 
    	
3714
    	
 
    	
1
    	
 
    	
 
    
	
DAYS
    	
 
    	
3715
    	
 
    	
3719
    	
 
    	
3
    	
 
    	
 
    
	
RECOVERIES
    	
 
    	
3720
    	
 
    	
3736
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
3720
    	
 
    	
3720
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
3721
    	
 
    	
3733
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
3734
    	
 
    	
3734
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
3735
    	
 
    	
3736
    	
 
    	
2
    	
 
    	
 
    
	
FILLER
    	
 
    	
3737
    	
 
    	
3775
    	
 
    	
39
    	
 
    	
 
    

 

Appendix A-6

 

	
Record length = 650
    	
 
    	
SS02
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    
	
DESCRIPTION
    	
 
    	
START
    	
 
    	
END
    	
 
    	
POS
    	
 
    	
ANNOTATION
    
	
ACCOUNT #
    	
 
    	
001
    	
 
    	
026
    	
 
    	
26
    	
 
    	
 
    
	
BANK CODE
    	
 
    	
001
    	
 
    	
002
    	
 
    	
2
    	
 
    	
 
    
	
BRANCH CODE
    	
 
    	
003
    	
 
    	
005
    	
 
    	
3
    	
 
    	
 
    
	
RETAIL/LEASE CODE
    	
 
    	
006
    	
 
    	
008
    	
 
    	
3
    	
 
    	
 
    
	
CUSTOMER #
    	
 
    	
009
    	
 
    	
018
    	
 
    	
10
    	
 
    	
 
    
	
NOTE #
    	
 
    	
019
    	
 
    	
026
    	
 
    	
8
    	
 
    	
 
    
	
OBLIGOR MAILING ADDRESS 01
    	
 
    	
027
    	
 
    	
066
    	
 
    	
40
    	
 
    	
 
    
	
OBLIGOR MAILING ADDRESS 02
    	
 
    	
067
    	
 
    	
106
    	
 
    	
40
    	
 
    	
 
    
	
OBLIGOR MAILING ADDRESS 03
    	
 
    	
107
    	
 
    	
146
    	
 
    	
40
    	
 
    	
 
    
	
OBLIGOR MAILING ADDRESS 04
    	
 
    	
147
    	
 
    	
186
    	
 
    	
40
    	
 
    	
 
    
	
OBLIGOR MAILING CITY
    	
 
    	
187
    	
 
    	
226
    	
 
    	
40
    	
 
    	
 
    
	
OBLIGOR MAILING STATE
    	
 
    	
227
    	
 
    	
228
    	
 
    	
2
    	
 
    	
 
    
	
OBLIGOR MAILING ZIP
    	
 
    	
229
    	
 
    	
237
    	
 
    	
9
    	
 
    	
 
    
	
ZIP FIRST 5 POS
    	
 
    	
229
    	
 
    	
233
    	
 
    	
5
    	
 
    	
 
    
	
ZIP LAST 4 POS
    	
 
    	
234
    	
 
    	
237
    	
 
    	
4
    	
 
    	
 
    
	
OBLIGOR PHYSICAL ADDRESS 01
    	
 
    	
238
    	
 
    	
277
    	
 
    	
40
    	
 
    	
 
    
	
OBLIGOR PHYSICAL ADDRESS 02
    	
 
    	
278
    	
 
    	
317
    	
 
    	
40
    	
 
    	
 
    
	
OBLIGOR PHYSICAL ADDRESS 03
    	
 
    	
318
    	
 
    	
357
    	
 
    	
40
    	
 
    	
 
    
	
OBLIGOR PHYSICAL ADDRESS 04
    	
 
    	
358
    	
 
    	
397
    	
 
    	
40
    	
 
    	
 
    
	
OBLIGOR PHYSICAL CITY
    	
 
    	
398
    	
 
    	
437
    	
 
    	
40
    	
 
    	
 
    
	
OBLIGOR PHYSICAL STATE
    	
 
    	
438
    	
 
    	
439
    	
 
    	
2
    	
 
    	
 
    
	
OBLIGOR PHYSICAL ZIP
    	
 
    	
440
    	
 
    	
448
    	
 
    	
9
    	
 
    	
 
    
	
ZIP FIRST 5 POS
    	
 
    	
440
    	
 
    	
444
    	
 
    	
5
    	
 
    	
 
    
	
ZIP LAST 4 POS
    	
 
    	
445
    	
 
    	
448
    	
 
    	
4
    	
 
    	
 
    
	
OBLIGOR HOME PHONE
    	
 
    	
449
    	
 
    	
462
    	
 
    	
14
    	
 
    	
 
    
	
OBLIGOR HM PH AREA CODE
    	
 
    	
449
    	
 
    	
451
    	
 
    	
3
    	
 
    	
 
    
	
OBLIGOR HM PH FIRST 3 POS
    	
 
    	
452
    	
 
    	
454
    	
 
    	
3
    	
 
    	
 
    
	
OBLIGOR HM PH SECOND 4 POS
    	
 
    	
455
    	
 
    	
458
    	
 
    	
4
    	
 
    	
 
    
	
OBLIGOR HM PH EXTENSION
    	
 
    	
459
    	
 
    	
462
    	
 
    	
4
    	
 
    	
 
    
	
OBLIGOR EXTRA PH 01
    	
 
    	
463
    	
 
    	
476
    	
 
    	
14
    	
 
    	
 
    
	
OBLIGOR EXTRA PH 01 AREA CODE
    	
 
    	
463
    	
 
    	
465
    	
 
    	
3
    	
 
    	
 
    
	
OBLIGOR EXTRA PH 01 FIRST 3 POS
    	
 
    	
466
    	
 
    	
468
    	
 
    	
3
    	
 
    	
 
    
	
OBLIGOR EXTRA PH 01 SECOND 4 POS
    	
 
    	
469
    	
 
    	
472
    	
 
    	
4
    	
 
    	
 
    
	
OBLIGOR EXTRA PH 01 EXTENSION
    	
 
    	
473
    	
 
    	
476
    	
 
    	
4
    	
 
    	
 
    
	
OBLIGOR EXTRA PH 02
    	
 
    	
477
    	
 
    	
490
    	
 
    	
14
    	
 
    	
 
    
	
OBLIGOR EXTRA PH 02 AREA CODE
    	
 
    	
477
    	
 
    	
479
    	
 
    	
3
    	
 
    	
 
    
	
OBLIGOR EXTRA PH 02 FIRST 3 POS
    	
 
    	
480
    	
 
    	
482
    	
 
    	
3
    	
 
    	
 
    
	
OBLIGOR EXTRA PH 02 SECOND 4 POS
    	
 
    	
483
    	
 
    	
486
    	
 
    	
4
    	
 
    	
 
    
	
OBLIGOR EXTRA PH 02 EXTENSION
    	
 
    	
487
    	
 
    	
490
    	
 
    	
4
    	
 
    	
 
    
	
OBLIGOR EXTRA PH 03
    	
 
    	
491
    	
 
    	
504
    	
 
    	
14
    	
 
    	
 
    
	
OBLIGOR EXTRA PH 03 AREA CODE
    	
 
    	
491
    	
 
    	
493
    	
 
    	
3
    	
 
    	
 
    
	
OBLIGOR EXTRA PH 03 FIRST 3 POS
    	
 
    	
494
    	
 
    	
496
    	
 
    	
3
    	
 
    	
 
    
	
OBLIGOR EXTRA PH 03 SECOND 4 POS
    	
 
    	
497
    	
 
    	
500
    	
 
    	
4
    	
 
    	
 
    
	
OBLIGOR EXTRA PH 03 EXTENSION
    	
 
    	
501
    	
 
    	
504
    	
 
    	
4
    	
 
    	
 
    
	
OBLIGOR E-MAIL ADDRESS
    	
 
    	
505
    	
 
    	
544
    	
 
    	
40
    	
 
    	
 
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    
	
OBLIGOR SSN OR TAX ID NUMBER
    	
 
    	
545
    	
 
    	
553
    	
 
    	
9
    	
 
    	
 
    
	
OBLIGOR SSN OR TAX CODE INDICATOR
    	
 
    	
554
    	
 
    	
554
    	
 
    	
1
    	
 
    	
0 = NONE
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
1 = TAX ID
    

 

Appendix A-7

 

	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
2 = SSN
    
	
OBLIGOR BIRTH DATE
    	
 
    	
555
    	
 
    	
562
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    
	
OBLIGOR EMPLOYER NAME
    	
 
    	
563
    	
 
    	
582
    	
 
    	
20
    	
 
    	
 
    
	
OBLIGOR EMPLOYER ADDRESS 01
    	
 
    	
583
    	
 
    	
600
    	
 
    	
18
    	
 
    	
 
    
	
OBLIGOR EMPLOYER CITY
    	
 
    	
601
    	
 
    	
615
    	
 
    	
15
    	
 
    	
 
    
	
OBLIGOR EMPLOYER STATE
    	
 
    	
616
    	
 
    	
617
    	
 
    	
2
    	
 
    	
 
    
	
OBLIGOR EMPLOYER ZIP
    	
 
    	
618
    	
 
    	
626
    	
 
    	
9
    	
 
    	
 
    
	
ZIP FIRST 5 POS
    	
 
    	
618
    	
 
    	
622
    	
 
    	
5
    	
 
    	
 
    
	
ZIP LAST 4 POS
    	
 
    	
623
    	
 
    	
626
    	
 
    	
4
    	
 
    	
 
    
	
OBLIGOR EMPLOYER PHONE
    	
 
    	
627
    	
 
    	
640
    	
 
    	
14
    	
 
    	
 
    
	
OBLIGOR EMPLOYER AREA CODE
    	
 
    	
627
    	
 
    	
629
    	
 
    	
3
    	
 
    	
 
    
	
OBLIGOR EMPLOYER PH FIRST 3 POS
    	
 
    	
630
    	
 
    	
632
    	
 
    	
3
    	
 
    	
 
    
	
OBLIGOR EMPLOYER PH SECOND 4 POS
    	
 
    	
633
    	
 
    	
636
    	
 
    	
4
    	
 
    	
 
    
	
OBLIGOR EMPLOYER PH EXTENSION
    	
 
    	
637
    	
 
    	
640
    	
 
    	
4
    	
 
    	
 
    
	
FILLER
    	
 
    	
641
    	
 
    	
650
    	
 
    	
10
    	
 
    	
 
    

 

	
RECORD LENGTH = 625
    	
 
    	
SS03
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    
	
DESCRIPTION
    	
 
    	
START
    	
 
    	
END
    	
 
    	
POS.
    	
 
    	
ANNOTATIONS
    
	
ACCOUNT #
    	
 
    	
001
    	
 
    	
026
    	
 
    	
26
    	
 
    	
 
    
	
BANK CODE
    	
 
    	
001
    	
 
    	
002
    	
 
    	
2
    	
 
    	
 
    
	
BRANCH CODE
    	
 
    	
003
    	
 
    	
005
    	
 
    	
3
    	
 
    	
 
    
	
RETAIL/LEASE CODE
    	
 
    	
006
    	
 
    	
008
    	
 
    	
3
    	
 
    	
 
    
	
CUSTOMER #
    	
 
    	
009
    	
 
    	
018
    	
 
    	
10
    	
 
    	
 
    
	
NOTE #
    	
 
    	
019
    	
 
    	
026
    	
 
    	
8
    	
 
    	
 
    
	
CO-BUYER INFO. (1st occ. Info. Below)
    	
 
    	
027
    	
 
    	
215
    	
 
    	
189
    	
 
    	
OCCURS 3 TIMES
    
	
CO-BUYER FIRST NAME
    	
 
    	
027
    	
 
    	
041
    	
 
    	
15
    	
 
    	
OCC. 1 - CO BUYER INFO.
    
	
CO-BUYER INITIAL
    	
 
    	
042
    	
 
    	
042
    	
 
    	
1
    	
 
    	
OCC. 2 - 3rd PARTY INFO.
    
	
CO-BUYER LAST NAME
    	
 
    	
043
    	
 
    	
062
    	
 
    	
20
    	
 
    	
OCC. 3 - 4th PARTY INFO.
    
	
CO-BUYER NAME SUFFIX
    	
 
    	
063
    	
 
    	
065
    	
 
    	
3
    	
 
    	
 
    
	
CO-BUYER STREET ADDRESS
    	
 
    	
066
    	
 
    	
095
    	
 
    	
30
    	
 
    	
 
    
	
CO-BUYER CITY ADDRESS
    	
 
    	
096
    	
 
    	
110
    	
 
    	
15
    	
 
    	
 
    
	
CO-BUYER STATE
    	
 
    	
111
    	
 
    	
112
    	
 
    	
2
    	
 
    	
 
    
	
CO-BUYER ZIP
    	
 
    	
113
    	
 
    	
121
    	
 
    	
9
    	
 
    	
 
    
	
ZIP FIRST 5 POS
    	
 
    	
113
    	
 
    	
117
    	
 
    	
5
    	
 
    	
 
    
	
ZIP LAST 4 POS
    	
 
    	
118
    	
 
    	
121
    	
 
    	
4
    	
 
    	
 
    
	
CO-BUYER PHY STREET ADDRESS
    	
 
    	
122
    	
 
    	
151
    	
 
    	
30
    	
 
    	
 
    
	
CO-BUYER PHY CITY ADDRESS
    	
 
    	
152
    	
 
    	
166
    	
 
    	
15
    	
 
    	
 
    
	
CO-BUYER PHY STATE
    	
 
    	
167
    	
 
    	
168
    	
 
    	
2
    	
 
    	
 
    
	
CO-BUYER PHY ZIP
    	
 
    	
169
    	
 
    	
177
    	
 
    	
9
    	
 
    	
 
    
	
ZIP FIRST 5 POS
    	
 
    	
169
    	
 
    	
173
    	
 
    	
5
    	
 
    	
 
    
	
ZIP LAST 4 POS
    	
 
    	
174
    	
 
    	
177
    	
 
    	
4
    	
 
    	
 
    
	
CO-BUYER HOME PHONE
    	
 
    	
178
    	
 
    	
187
    	
 
    	
10
    	
 
    	
 
    
	
HM PH AREA CODE
    	
 
    	
178
    	
 
    	
180
    	
 
    	
3
    	
 
    	
 
    
	
HM PH FIRST 3 POS
    	
 
    	
181
    	
 
    	
183
    	
 
    	
3
    	
 
    	
 
    
	
HM PH LAST 4 POS
    	
 
    	
184
    	
 
    	
187
    	
 
    	
4
    	
 
    	
 
    
	
CO-BUYER EXTRA PHONE
    	
 
    	
188
    	
 
    	
197
    	
 
    	
10
    	
 
    	
 
    
	
EXT PH AREA CODE
    	
 
    	
188
    	
 
    	
190
    	
 
    	
3
    	
 
    	
 
    
	
EXT PH FIRST 3 POS
    	
 
    	
191
    	
 
    	
193
    	
 
    	
3
    	
 
    	
 
    
	
EXT PH LAST 4 POS
    	
 
    	
194
    	
 
    	
197
    	
 
    	
4
    	
 
    	
 
    
	
CO-BUYER SSN OR TAX ID NUMBER
    	
 
    	
198
    	
 
    	
206
    	
 
    	
9
    	
 
    	
 
    
	
CO-BUYER BIRTH DATE
    	
 
    	
207
    	
 
    	
214
    	
 
    	
8
    	
 
    	
CCYYMMDD
    

 

Appendix A-8

 

	
CO-BUYER STATUS
    	
 
    	
215
    	
 
    	
215
    	
 
    	
1
    	
 
    	
C=COAP
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
G=GUARANTOR
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
O=OFFICER
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
P=PARTNER
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
SPACE = NONE
    
	
FILLER
    	
 
    	
593
    	
 
    	
625
    	
 
    	
32
    	
 
    	
 
    

 

	
RECORD LENGTH = 125
    	
 
    	
SS04
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    
	
DESCRIPTION
    	
 
    	
START
    	
 
    	
END
    	
 
    	
POS
    	
 
    	
ANNOTATIONS
    
	
ACCOUNT #
    	
 
    	
001
    	
 
    	
026
    	
 
    	
26
    	
 
    	
 
    
	
BANK CODE
    	
 
    	
001
    	
 
    	
002
    	
 
    	
2
    	
 
    	
 
    
	
BRANCH CODE
    	
 
    	
003
    	
 
    	
005
    	
 
    	
3
    	
 
    	
 
    
	
RETAIL/LEASE CODE
    	
 
    	
006
    	
 
    	
008
    	
 
    	
3
    	
 
    	
 
    
	
CUSTOMER #
    	
 
    	
009
    	
 
    	
018
    	
 
    	
10
    	
 
    	
 
    
	
NOTE #
    	
 
    	
019
    	
 
    	
026
    	
 
    	
8
    	
 
    	
 
    
	
EQUIP. SEQUENCE #
    	
 
    	
027
    	
 
    	
029
    	
 
    	
3
    	
 
    	
 
    
	
VEHICLE I.D. # (VIN)
    	
 
    	
030
    	
 
    	
046
    	
 
    	
17
    	
 
    	
 
    
	
VEHICLE MAKE
    	
 
    	
047
    	
 
    	
053
    	
 
    	
7
    	
 
    	
 
    
	
VEHICLE MODEL
    	
 
    	
054
    	
 
    	
060
    	
 
    	
7
    	
 
    	
 
    
	
VEHICLE YEAR
    	
 
    	
061
    	
 
    	
062
    	
 
    	
2
    	
 
    	
 
    
	
VEHICLE NEW/USED CODE
    	
 
    	
063
    	
 
    	
063
    	
 
    	
1
    	
 
    	
N = NEW
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
U = USED
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
S = CROSS COLLATERAL
    
	
ORIGINAL SALES PRICE
    	
 
    	
064
    	
 
    	
080
    	
 
    	
17
    	
 
    	
 
    
	
ORIG SALES PRICE SIGN
    	
 
    	
064
    	
 
    	
064
    	
 
    	
1
    	
 
    	
 
    
	
ORIG SALES PRICE DOL
    	
 
    	
065
    	
 
    	
077
    	
 
    	
13
    	
 
    	
 
    
	
ORIG SALES PRICE DCL
    	
 
    	
078
    	
 
    	
078
    	
 
    	
1
    	
 
    	
 
    
	
ORIG SALES PRICE CENTS
    	
 
    	
079
    	
 
    	
080
    	
 
    	
2
    	
 
    	
 
    
	
WHOLESALE PRICE
    	
 
    	
081
    	
 
    	
097
    	
 
    	
17
    	
 
    	
 
    
	
WHSALE SIGN
    	
 
    	
081
    	
 
    	
081
    	
 
    	
1
    	
 
    	
 
    
	
WHSALE DOL
    	
 
    	
082
    	
 
    	
094
    	
 
    	
13
    	
 
    	
 
    
	
WHSALE DCL
    	
 
    	
095
    	
 
    	
095
    	
 
    	
1
    	
 
    	
 
    
	
WHSALE CENTS
    	
 
    	
096
    	
 
    	
097
    	
 
    	
2
    	
 
    	
 
    
	
EQUIP TITLED CODE
    	
 
    	
098
    	
 
    	
098
    	
 
    	
1
    	
 
    	
Y = YES
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
N = NO
    
	
EQUIP HRS AT START
    	
 
    	
099
    	
 
    	
105
    	
 
    	
7
    	
 
    	
 
    
	
EQUIP HRS SIGN
    	
 
    	
099
    	
 
    	
099
    	
 
    	
1
    	
 
    	
 
    
	
EQUIP HRS HOURS
    	
 
    	
100
    	
 
    	
104
    	
 
    	
5
    	
 
    	
 
    
	
EQUIP HRS DCL
    	
 
    	
105
    	
 
    	
105
    	
 
    	
1
    	
 
    	
 
    
	
EQUIP HRS TENTHS
    	
 
    	
106
    	
 
    	
107
    	
 
    	
2
    	
 
    	
 
    
	
FILLER
    	
 
    	
108
    	
 
    	
125
    	
 
    	
18
    	
 
    	
 
    

 

	
RECORD LENGTH = 300
    	
 
    	
SS05
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    
	
DESCRIPTION
    	
 
    	
START
    	
 
    	
END
    	
 
    	
POS
    	
 
    	
ANNOTATIONS
    
	
ACCOUNT #
    	
 
    	
001
    	
 
    	
026
    	
 
    	
26
    	
 
    	
 
    
	
BANK CODE
    	
 
    	
001
    	
 
    	
002
    	
 
    	
2
    	
 
    	
 
    
	
BRANCH CODE
    	
 
    	
003
    	
 
    	
005
    	
 
    	
3
    	
 
    	
 
    
	
RETAIL/LEASE CODE
    	
 
    	
006
    	
 
    	
008
    	
 
    	
3
    	
 
    	
 
    
	
CUSTOMER #
    	
 
    	
009
    	
 
    	
018
    	
 
    	
10
    	
 
    	
 
    
	
NOTE #
    	
 
    	
019
    	
 
    	
026
    	
 
    	
8
    	
 
    	
 
    
	
TRANSACTION SEQ. #
    	
 
    	
027
    	
 
    	
031
    	
 
    	
5
    	
 
    	
 
    
	
TRANSACTION DATE
    	
 
    	
032
    	
 
    	
039
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
TRANSACTION CODE
    	
 
    	
040
    	
 
    	
046
    	
 
    	
7
    	
 
    	
 
    
	
TRAN CD
    	
 
    	
040
    	
 
    	
041
    	
 
    	
2
    	
 
    	
 
    
	
TRAN QUAL
    	
 
    	
042
    	
 
    	
043
    	
 
    	
2
    	
 
    	
 
    
	
TRAN SOURCE
    	
 
    	
044
    	
 
    	
046
    	
 
    	
3
    	
 
    	
 
    

 

Appendix A-9

 

	
TRANSACTION AMOUNT
    	
 
    	
047
    	
 
    	
063
    	
 
    	
17
    	
 
    	
 
    
	
TRAN SIGN
    	
 
    	
047
    	
 
    	
047
    	
 
    	
1
    	
 
    	
 
    
	
TRAN DOL
    	
 
    	
048
    	
 
    	
060
    	
 
    	
13
    	
 
    	
 
    
	
TRAN DCL
    	
 
    	
061
    	
 
    	
061
    	
 
    	
1
    	
 
    	
 
    
	
TRAN CENTS
    	
 
    	
062
    	
 
    	
063
    	
 
    	
2
    	
 
    	
 
    
	
TRANSACTION EFFECTIVE DATE
    	
 
    	
064
    	
 
    	
071
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
PAYMENT DATE SATISFIED
    	
 
    	
072
    	
 
    	
079
    	
 
    	
32
    	
 
    	
CCYYMMDD OCCURS 4 TIMES
    
	
PRINCIPAL AMOUNT
    	
 
    	
104
    	
 
    	
121
    	
 
    	
17
    	
 
    	
 
    
	
PRIN SIGN
    	
 
    	
104
    	
 
    	
104
    	
 
    	
1
    	
 
    	
 
    
	
PRIN DOL
    	
 
    	
105
    	
 
    	
117
    	
 
    	
13
    	
 
    	
 
    
	
PRIN DCL
    	
 
    	
118
    	
 
    	
118
    	
 
    	
1
    	
 
    	
 
    
	
PRIN CENTS
    	
 
    	
119
    	
 
    	
120
    	
 
    	
2
    	
 
    	
 
    
	
INTEREST AMOUNT
    	
 
    	
121
    	
 
    	
137
    	
 
    	
17
    	
 
    	
 
    
	
INT SIGN
    	
 
    	
121
    	
 
    	
121
    	
 
    	
1
    	
 
    	
 
    
	
INT DOL
    	
 
    	
122
    	
 
    	
134
    	
 
    	
13
    	
 
    	
 
    
	
INT DCL
    	
 
    	
135
    	
 
    	
135
    	
 
    	
1
    	
 
    	
 
    
	
INT CENTS
    	
 
    	
136
    	
 
    	
137
    	
 
    	
2
    	
 
    	
 
    
	
ACTUARIAL INT. AMOUNT
    	
 
    	
138
    	
 
    	
154
    	
 
    	
17
    	
 
    	
 
    
	
ACTRL SIGN
    	
 
    	
138
    	
 
    	
138
    	
 
    	
1
    	
 
    	
 
    
	
ACTRL DOL
    	
 
    	
139
    	
 
    	
151
    	
 
    	
13
    	
 
    	
 
    
	
ACTRL DCL
    	
 
    	
152
    	
 
    	
152
    	
 
    	
1
    	
 
    	
 
    
	
ACTRL CENTS
    	
 
    	
153
    	
 
    	
154
    	
 
    	
2
    	
 
    	
 
    
	
LATE FEE AMOUNT
    	
 
    	
155
    	
 
    	
171
    	
 
    	
17
    	
 
    	
 
    
	
LTE FEE SIGN
    	
 
    	
155
    	
 
    	
155
    	
 
    	
1
    	
 
    	
 
    
	
LTE FEE DOL
    	
 
    	
156
    	
 
    	
168
    	
 
    	
13
    	
 
    	
 
    
	
LTE FEE DCL
    	
 
    	
169
    	
 
    	
169
    	
 
    	
1
    	
 
    	
 
    
	
LTE FEE CENTS
    	
 
    	
170
    	
 
    	
171
    	
 
    	
2
    	
 
    	
 
    
	
OTHER AMOUNT
    	
 
    	
172
    	
 
    	
188
    	
 
    	
17
    	
 
    	
 
    
	
OTH SIGN
    	
 
    	
172
    	
 
    	
172
    	
 
    	
1
    	
 
    	
 
    
	
OTH DOL
    	
 
    	
173
    	
 
    	
185
    	
 
    	
13
    	
 
    	
 
    
	
OTH DCL
    	
 
    	
186
    	
 
    	
186
    	
 
    	
1
    	
 
    	
 
    
	
OTH CENTS
    	
 
    	
187
    	
 
    	
188
    	
 
    	
2
    	
 
    	
 
    
	
OBLIGOR BAL BEFORE TRANS.
    	
 
    	
189
    	
 
    	
205
    	
 
    	
17
    	
 
    	
 
    
	
OBL BAL BEF SIGN
    	
 
    	
189
    	
 
    	
189
    	
 
    	
1
    	
 
    	
 
    
	
OBL BAL BEF DOL
    	
 
    	
190
    	
 
    	
202
    	
 
    	
13
    	
 
    	
 
    
	
OBL BAL BEF DCL
    	
 
    	
203
    	
 
    	
203
    	
 
    	
1
    	
 
    	
 
    
	
OBL BAL BEF CENTS
    	
 
    	
204
    	
 
    	
205
    	
 
    	
2
    	
 
    	
 
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    
	
OBLIGOR BAL AFTER TRANS
    	
 
    	
206
    	
 
    	
222
    	
 
    	
17
    	
 
    	
 
    
	
OBL BAL AFT SIGN
    	
 
    	
206
    	
 
    	
206
    	
 
    	
1
    	
 
    	
 
    
	
OBL BAL AFT DOL
    	
 
    	
207
    	
 
    	
219
    	
 
    	
13
    	
 
    	
 
    
	
OBL BAL AFT DCL
    	
 
    	
220
    	
 
    	
220
    	
 
    	
1
    	
 
    	
 
    
	
OBL BAL AFT CENTS
    	
 
    	
221
    	
 
    	
222
    	
 
    	
2
    	
 
    	
 
    
	
HOLDER BAL BEFORE TRANS
    	
 
    	
223
    	
 
    	
239
    	
 
    	
17
    	
 
    	
 
    
	
HLD BAL BEF SIGN
    	
 
    	
223
    	
 
    	
223
    	
 
    	
1
    	
 
    	
 
    
	
HLD BAL BEF DOL
    	
 
    	
224
    	
 
    	
236
    	
 
    	
13
    	
 
    	
 
    
	
HLD BAL BEF DCL
    	
 
    	
237
    	
 
    	
237
    	
 
    	
1
    	
 
    	
 
    
	
HLD BAL BEF CENTS
    	
 
    	
238
    	
 
    	
239
    	
 
    	
2
    	
 
    	
 
    
	
HOLDER BAL AFTER TRANS
    	
 
    	
240
    	
 
    	
256
    	
 
    	
17
    	
 
    	
 
    
	
HLD BAL AFT SIGN
    	
 
    	
240
    	
 
    	
240
    	
 
    	
1
    	
 
    	
 
    
	
HLD BAL AFT DOL
    	
 
    	
241
    	
 
    	
253
    	
 
    	
13
    	
 
    	
 
    
	
HLD BAL AFT DCL
    	
 
    	
254
    	
 
    	
254
    	
 
    	
1
    	
 
    	
 
    
	
HLD BAL AFT CENTS
    	
 
    	
255
    	
 
    	
256
    	
 
    	
2
    	
 
    	
 
    
	
INSTRUMENT
    	
 
    	
257
    	
 
    	
259
    	
 
    	
3
    	
 
    	
004 = ACH
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
005 = LOCK BOX
    

 

Appendix A-10

 

	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
014 = APS
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
ALL OTHERS = CASH
    
	
REVERSAL
    	
 
    	
260
    	
 
    	
260
    	
 
    	
1
    	
 
    	
Y = REVERSAL TRANSACTION
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
SPACE = NOT REVERSAL TRAN
    
	
EFFECTS OBLIGOR BAL.
    	
 
    	
261
    	
 
    	
261
    	
 
    	
1
    	
 
    	
Y = YES
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
N = NO
    
	
EFFECTS HOLDER BAL.
    	
 
    	
262
    	
 
    	
262
    	
 
    	
1
    	
 
    	
Y = YES
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
N = NO
    
	
TRANSACTION DESCRIPTION
    	
 
    	
263
    	
 
    	
282
    	
 
    	
20
    	
 
    	
 
    
	
TRANSACTION RATE
    	
 
    	
283
    	
 
    	
291
    	
 
    	
9
    	
 
    	
 
    
	
TRAN RATE SIGN
    	
 
    	
283
    	
 
    	
283
    	
 
    	
1
    	
 
    	
 
    
	
TRAN RATE DCL
    	
 
    	
284
    	
 
    	
284
    	
 
    	
1
    	
 
    	
 
    
	
TRAN RATE RATE
    	
 
    	
285
    	
 
    	
291
    	
 
    	
7
    	
 
    	
 
    
	
FILLER
    	
 
    	
292
    	
 
    	
300
    	
 
    	
9
    	
 
    	
 
    

 

	
RECORD LENGTH = 850
    	
 
    	
SS06
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    
	
DESCRIPTION
    	
 
    	
START
    	
 
    	
END
    	
 
    	
POS
    	
 
    	
ANNOTATION
    
	
ACCOUNT #
    	
 
    	
001
    	
 
    	
026
    	
 
    	
26
    	
 
    	
 
    
	
BANK CODE
    	
 
    	
001
    	
 
    	
002
    	
 
    	
2
    	
 
    	
 
    
	
BRANCH CODE
    	
 
    	
003
    	
 
    	
005
    	
 
    	
3
    	
 
    	
 
    
	
RETAIL/LEASE CODE
    	
 
    	
006
    	
 
    	
008
    	
 
    	
3
    	
 
    	
 
    
	
CUSTOMER #
    	
 
    	
009
    	
 
    	
018
    	
 
    	
10
    	
 
    	
 
    
	
NOTE #
    	
 
    	
019
    	
 
    	
026
    	
 
    	
8
    	
 
    	
 
    
	
USER
    	
 
    	
027
    	
 
    	
066
    	
 
    	
40
    	
 
    	
 
    
	
COMMENT DATE
    	
 
    	
067
    	
 
    	
074
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
COMMENT TIME
    	
 
    	
075
    	
 
    	
080
    	
 
    	
6
    	
 
    	
HHMMSS
    
	
COMMENT TEXT
    	
 
    	
081
    	
 
    	
830
    	
 
    	
750
    	
 
    	
 
    
	
FILLER
    	
 
    	
831
    	
 
    	
850
    	
 
    	
20
    	
 
    	
 
    

 

	
RECORD LENGTH = 275
    	
 
    	
SS07
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    
	
DESCRIPTION
    	
 
    	
START
    	
 
    	
END
    	
 
    	
POS
    	
 
    	
ANNOTATION
    
	
ACCOUNT #
    	
 
    	
001
    	
 
    	
029
    	
 
    	
26
    	
 
    	
 
    
	
BANK CODE
    	
 
    	
001
    	
 
    	
002
    	
 
    	
2
    	
 
    	
 
    
	
BRANCH CODE
    	
 
    	
003
    	
 
    	
005
    	
 
    	
3
    	
 
    	
 
    
	
RETAIL/LEASE CODE
    	
 
    	
006
    	
 
    	
008
    	
 
    	
3
    	
 
    	
 
    
	
CUSTOMER #
    	
 
    	
009
    	
 
    	
018
    	
 
    	
10
    	
 
    	
 
    
	
NOTE #
    	
 
    	
019
    	
 
    	
026
    	
 
    	
8
    	
 
    	
 
    
	
SEQUENCE #
    	
 
    	
027
    	
 
    	
029
    	
 
    	
3
    	
 
    	
 
    
	
DATE AUTHORIZED FOR REPO.
    	
 
    	
030
    	
 
    	
037
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
REPO. ASSIGNMENT DATE
    	
 
    	
038
    	
 
    	
045
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
REPO. SALES LOCATION
    	
 
    	
046
    	
 
    	
085
    	
 
    	
40
    	
 
    	
 
    
	
DATE REPOSSESSED
    	
 
    	
086
    	
 
    	
093
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
BALANCE AT REPOSSESSION
    	
 
    	
094
    	
 
    	
110
    	
 
    	
17
    	
 
    	
 
    
	
REPO BAL SIGN
    	
 
    	
094
    	
 
    	
094
    	
 
    	
1
    	
 
    	
 
    
	
REPO BAL DOL
    	
 
    	
095
    	
 
    	
107
    	
 
    	
13
    	
 
    	
 
    
	
REPO BAL DCL
    	
 
    	
108
    	
 
    	
108
    	
 
    	
1
    	
 
    	
 
    
	
REPO BAL CENTS
    	
 
    	
109
    	
 
    	
110
    	
 
    	
2
    	
 
    	
 
    
	
INTEREST DUE AT REPO.
    	
 
    	
111
    	
 
    	
127
    	
 
    	
17
    	
 
    	
 
    
	
REPO INT DUE SIGN
    	
 
    	
111
    	
 
    	
111
    	
 
    	
1
    	
 
    	
 
    
	
REPO INT DUE DOL
    	
 
    	
112
    	
 
    	
124
    	
 
    	
13
    	
 
    	
 
    
	
REPO INT DUE DCL
    	
 
    	
125
    	
 
    	
125
    	
 
    	
1
    	
 
    	
 
    
	
REPO INT DUE CENTS
    	
 
    	
126
    	
 
    	
127
    	
 
    	
2
    	
 
    	
 
    
	
ALLOW REINSTATEMENT
    	
 
    	
128
    	
 
    	
128
    	
 
    	
1
    	
 
    	
Y = YES (Always ‘Y’)
    
	
NOTICE OF INTENT EXPIR. DATE
    	
 
    	
129
    	
 
    	
136
    	
 
    	
8
    	
 
    	
CCYYMMDD
    

 

Appendix A-11

 

	
AUCTION REPORT RECEIVED DATE
    	
 
    	
137
    	
 
    	
144
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
DATE VEHICLE SOLD
    	
 
    	
145
    	
 
    	
152
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
GROSS AMOUNT OF SALE
    	
 
    	
153
    	
 
    	
169
    	
 
    	
17
    	
 
    	
 
    
	
GROSS SALE SIGN
    	
 
    	
153
    	
 
    	
153
    	
 
    	
1
    	
 
    	
 
    
	
GROSS SALE DOL
    	
 
    	
154
    	
 
    	
166
    	
 
    	
13
    	
 
    	
 
    
	
GROSS SALE DCL
    	
 
    	
167
    	
 
    	
167
    	
 
    	
1
    	
 
    	
 
    
	
GROSS SALE CENTS
    	
 
    	
168
    	
 
    	
169
    	
 
    	
2
    	
 
    	
 
    
	
NET AUCTION FEES
    	
 
    	
170
    	
 
    	
186
    	
 
    	
17
    	
 
    	
 
    
	
NET AUCTION SIGN
    	
 
    	
170
    	
 
    	
170
    	
 
    	
1
    	
 
    	
 
    
	
NET AUCTION DOL
    	
 
    	
171
    	
 
    	
183
    	
 
    	
13
    	
 
    	
 
    
	
NET AUCTION DCL
    	
 
    	
184
    	
 
    	
184
    	
 
    	
1
    	
 
    	
 
    
	
NET AUCTION CENTS
    	
 
    	
185
    	
 
    	
186
    	
 
    	
2
    	
 
    	
 
    
	
REPO. FEE AMOUNT
    	
 
    	
187
    	
 
    	
203
    	
 
    	
17
    	
 
    	
 
    
	
REPO FEE SIGN
    	
 
    	
187
    	
 
    	
187
    	
 
    	
1
    	
 
    	
 
    
	
REPO FEE DOL
    	
 
    	
188
    	
 
    	
200
    	
 
    	
13
    	
 
    	
 
    
	
REPO FEE DCL
    	
 
    	
201
    	
 
    	
201
    	
 
    	
1
    	
 
    	
 
    
	
REPO FEE CENTS
    	
 
    	
202
    	
 
    	
203
    	
 
    	
2
    	
 
    	
 
    
	
TRANSPORTATION FEES
    	
 
    	
204
    	
 
    	
220
    	
 
    	
17
    	
 
    	
 
    
	
TRANSPORT FEE SIGN
    	
 
    	
204
    	
 
    	
204
    	
 
    	
1
    	
 
    	
 
    
	
TRANSPORT FEE DOL
    	
 
    	
205
    	
 
    	
217
    	
 
    	
13
    	
 
    	
 
    
	
TRANSPORT FEE DCL
    	
 
    	
218
    	
 
    	
218
    	
 
    	
1
    	
 
    	
 
    
	
TRANSPORT FEE CENTS
    	
 
    	
219
    	
 
    	
220
    	
 
    	
2
    	
 
    	
 
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    
	
STORAGE FEES
    	
 
    	
221
    	
 
    	
237
    	
 
    	
17
    	
 
    	
 
    
	
STORAGE FEE SIGN
    	
 
    	
221
    	
 
    	
221
    	
 
    	
1
    	
 
    	
 
    
	
STORAGE FEE DOL
    	
 
    	
222
    	
 
    	
234
    	
 
    	
13
    	
 
    	
 
    
	
STORAGE FEE DCL
    	
 
    	
235
    	
 
    	
235
    	
 
    	
1
    	
 
    	
 
    
	
STORAGE FEE CENTS
    	
 
    	
236
    	
 
    	
237
    	
 
    	
2
    	
 
    	
 
    
	
RECONDITIONING FEES
    	
 
    	
238
    	
 
    	
254
    	
 
    	
17
    	
 
    	
 
    
	
RECON FEES SIGN
    	
 
    	
238
    	
 
    	
238
    	
 
    	
1
    	
 
    	
 
    
	
RECON FEES DOL
    	
 
    	
239
    	
 
    	
251
    	
 
    	
13
    	
 
    	
 
    
	
RECON FEES DCL
    	
 
    	
252
    	
 
    	
252
    	
 
    	
1
    	
 
    	
 
    
	
RECON FEES CENTS
    	
 
    	
253
    	
 
    	
254
    	
 
    	
2
    	
 
    	
 
    
	
FILLER
    	
 
    	
255
    	
 
    	
275
    	
 
    	
21
    	
 
    	
 
    

 

	
RECORD LENGTH = 75
    	
 
    	
SS08
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    
	
DESCRIPTION
    	
 
    	
START
    	
 
    	
END
    	
 
    	
POS
    	
 
    	
ANNOTATION
    
	
ACCOUNT #
    	
 
    	
001
    	
 
    	
026
    	
 
    	
26
    	
 
    	
 
    
	
BANK CODE
    	
 
    	
001
    	
 
    	
002
    	
 
    	
2
    	
 
    	
 
    
	
BRANCH CODE
    	
 
    	
003
    	
 
    	
005
    	
 
    	
3
    	
 
    	
 
    
	
RETAIL/LEASE CODE
    	
 
    	
006
    	
 
    	
008
    	
 
    	
3
    	
 
    	
 
    
	
CUSTOMER #
    	
 
    	
009
    	
 
    	
018
    	
 
    	
10
    	
 
    	
 
    
	
NOTE #
    	
 
    	
019
    	
 
    	
026
    	
 
    	
8
    	
 
    	
 
    
	
BK FILED DATE
    	
 
    	
027
    	
 
    	
034
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
BK CHAPTER FILED
    	
 
    	
035
    	
 
    	
037
    	
 
    	
3
    	
 
    	
 
    
	
BK CLOSE DATE
    	
 
    	
038
    	
 
    	
045
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
BK CLOSE REASON
    	
 
    	
046
    	
 
    	
047
    	
 
    	
2
    	
 
    	
RE = REAFFIRMED
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
LS = LIFT STAYED
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
DM = DISMISSED
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
DS = DISCHARGED
    
	
DISCHARGE DATE
    	
 
    	
048
    	
 
    	
055
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
FILLER
    	
 
    	
056
    	
 
    	
075
    	
 
    	
20
    	
 
    	
 
    

 

Appendix A-12

 

	
RECORD LENGTH = 200
    	
 
    	
SS09
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    
	
DESCRIPTION
    	
 
    	
START
    	
 
    	
END
    	
 
    	
POS
    	
 
    	
ANNOTATION
    
	
ACCOUNT #
    	
 
    	
001
    	
 
    	
026
    	
 
    	
26
    	
 
    	
 
    
	
BANK CODE
    	
 
    	
001
    	
 
    	
002
    	
 
    	
2
    	
 
    	
 
    
	
BRANCH CODE
    	
 
    	
003
    	
 
    	
005
    	
 
    	
3
    	
 
    	
 
    
	
RETAIL/LEASE CODE
    	
 
    	
006
    	
 
    	
008
    	
 
    	
3
    	
 
    	
 
    
	
CUSTOMER #
    	
 
    	
009
    	
 
    	
018
    	
 
    	
10
    	
 
    	
 
    
	
NOTE #
    	
 
    	
019
    	
 
    	
026
    	
 
    	
8
    	
 
    	
 
    
	
CUSTOM CREDIT SCORE
    	
 
    	
027
    	
 
    	
032
    	
 
    	
6
    	
 
    	
 
    
	
CUST CR SIGN
    	
 
    	
027
    	
 
    	
027
    	
 
    	
1
    	
 
    	
 
    
	
CUST CR SCORE
    	
 
    	
028
    	
 
    	
032
    	
 
    	
5
    	
 
    	
 
    
	
EDAS SCORE
    	
 
    	
033
    	
 
    	
037
    	
 
    	
5
    	
 
    	
 
    
	
EDAS SIGN
    	
 
    	
033
    	
 
    	
033
    	
 
    	
1
    	
 
    	
 
    
	
EDAS SCORE
    	
 
    	
034
    	
 
    	
037
    	
 
    	
4
    	
 
    	
 
    
	
BOOK VALUE - INVOICE
    	
 
    	
038
    	
 
    	
054
    	
 
    	
17
    	
 
    	
 
    
	
BK VALUE SIGN
    	
 
    	
038
    	
 
    	
038
    	
 
    	
1
    	
 
    	
 
    
	
BK VALUE DOL
    	
 
    	
039
    	
 
    	
051
    	
 
    	
13
    	
 
    	
 
    
	
BK VALUE DCL
    	
 
    	
052
    	
 
    	
052
    	
 
    	
1
    	
 
    	
 
    
	
BK VALUE CENTS
    	
 
    	
053
    	
 
    	
054
    	
 
    	
2
    	
 
    	
 
    
	
DRIVERS LICENSE NUMBER
    	
 
    	
055
    	
 
    	
078
    	
 
    	
24
    	
 
    	
 
    
	
DRIVERS LICENSE STATE
    	
 
    	
079
    	
 
    	
080
    	
 
    	
2
    	
 
    	
 
    
	
APPLICATION DATE
    	
 
    	
081
    	
 
    	
088
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
LOAN TO VALUE RATIO
    	
 
    	
089
    	
 
    	
097
    	
 
    	
9
    	
 
    	
 
    
	
LOAN TO VALUE SIGN
    	
 
    	
089
    	
 
    	
089
    	
 
    	
1
    	
 
    	
 
    
	
LOAN TO VALUE LEFT
    	
 
    	
090
    	
 
    	
094
    	
 
    	
5
    	
 
    	
 
    
	
LOAN TO VALUE DCL
    	
 
    	
095
    	
 
    	
095
    	
 
    	
1
    	
 
    	
 
    
	
LOAN TO VALUE RIGHT
    	
 
    	
096
    	
 
    	
097
    	
 
    	
2
    	
 
    	
 
    
	
DOWN PAYMENT
    	
 
    	
098
    	
 
    	
114
    	
 
    	
17
    	
 
    	
 
    
	
DN PYMT SIGN
    	
 
    	
098
    	
 
    	
098
    	
 
    	
1
    	
 
    	
 
    
	
DN PYMT DOL
    	
 
    	
099
    	
 
    	
111
    	
 
    	
13
    	
 
    	
 
    
	
DN PYMT DCL
    	
 
    	
112
    	
 
    	
112
    	
 
    	
1
    	
 
    	
 
    
	
DN PYMT CENTS
    	
 
    	
113
    	
 
    	
114
    	
 
    	
2
    	
 
    	
 
    
	
TRADE IN AMOUNT
    	
 
    	
115
    	
 
    	
131
    	
 
    	
17
    	
 
    	
 
    
	
TR IN SIGN
    	
 
    	
115
    	
 
    	
115
    	
 
    	
1
    	
 
    	
 
    
	
TR IN DOL
    	
 
    	
116
    	
 
    	
128
    	
 
    	
13
    	
 
    	
 
    
	
TR IN DCL
    	
 
    	
129
    	
 
    	
129
    	
 
    	
1
    	
 
    	
 
    
	
TR IN CENTS
    	
 
    	
130
    	
 
    	
131
    	
 
    	
2
    	
 
    	
 
    
	
TOTAL ORIGINATION FEES
    	
 
    	
132
    	
 
    	
148
    	
 
    	
17
    	
 
    	
 
    
	
TOT ORIG SIGN
    	
 
    	
132
    	
 
    	
132
    	
 
    	
1
    	
 
    	
 
    
	
TOT ORIG DOL
    	
 
    	
133
    	
 
    	
145
    	
 
    	
13
    	
 
    	
 
    
	
TOT ORIG DCL
    	
 
    	
146
    	
 
    	
146
    	
 
    	
1
    	
 
    	
 
    
	
TOT ORIG CENTS
    	
 
    	
147
    	
 
    	
148
    	
 
    	
2
    	
 
    	
 
    
	
TOTAL COST OF SOFT ADDS
    	
 
    	
149
    	
 
    	
165
    	
 
    	
17
    	
 
    	
 
    
	
TOT CST SIGN
    	
 
    	
149
    	
 
    	
149
    	
 
    	
1
    	
 
    	
 
    
	
TOT CST DOL
    	
 
    	
150
    	
 
    	
162
    	
 
    	
13
    	
 
    	
 
    
	
TOT CST DCL
    	
 
    	
163
    	
 
    	
163
    	
 
    	
1
    	
 
    	
 
    
	
TOT CST CENTS
    	
 
    	
164
    	
 
    	
165
    	
 
    	
2
    	
 
    	
 
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    
	
TOTAL TAXES
    	
 
    	
166
    	
 
    	
182
    	
 
    	
17
    	
 
    	
 
    
	
TOT TAX SIGN
    	
 
    	
166
    	
 
    	
166
    	
 
    	
1
    	
 
    	
 
    
	
TOT TAX DOL
    	
 
    	
167
    	
 
    	
179
    	
 
    	
13
    	
 
    	
 
    
	
TOT TAX DCL
    	
 
    	
180
    	
 
    	
180
    	
 
    	
1
    	
 
    	
 
    
	
TOT TAX CENTS
    	
 
    	
181
    	
 
    	
182
    	
 
    	
2
    	
 
    	
 
    
	
FILLER
    	
 
    	
183
    	
 
    	
200
    	
 
    	
18
    	
 
    	
 
    

 

Appendix A-13

 

	
RECORD LENGTH = 275
    	
 
    	
SS10
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    
	
DESCRIPTION
    	
 
    	
START
    	
 
    	
END
    	
 
    	
POS
    	
 
    	
ANNOTATION
    
	
ACCOUNT #
    	
 
    	
001
    	
 
    	
026
    	
 
    	
26
    	
 
    	
 
    
	
BANK CODE
    	
 
    	
001
    	
 
    	
002
    	
 
    	
2
    	
 
    	
 
    
	
BRANCH CODE
    	
 
    	
003
    	
 
    	
005
    	
 
    	
3
    	
 
    	
 
    
	
RETAIL/LEASE CODE
    	
 
    	
006
    	
 
    	
008
    	
 
    	
3
    	
 
    	
 
    
	
CUSTOMER #
    	
 
    	
009
    	
 
    	
018
    	
 
    	
10
    	
 
    	
 
    
	
NOTE #
    	
 
    	
019
    	
 
    	
026
    	
 
    	
8
    	
 
    	
 
    
	
DEALER ADDRESS 01
    	
 
    	
027
    	
 
    	
066
    	
 
    	
40
    	
 
    	
 
    
	
DEALER ADDRESS 02
    	
 
    	
067
    	
 
    	
106
    	
 
    	
40
    	
 
    	
 
    
	
DEALER ADDRESS 03
    	
 
    	
107
    	
 
    	
146
    	
 
    	
40
    	
 
    	
 
    
	
DEALER ADDRESS 04
    	
 
    	
147
    	
 
    	
186
    	
 
    	
40
    	
 
    	
 
    
	
DEALER ADDRESS CITY
    	
 
    	
187
    	
 
    	
226
    	
 
    	
40
    	
 
    	
 
    
	
DEALER ADDRESS STATE
    	
 
    	
227
    	
 
    	
228
    	
 
    	
2
    	
 
    	
 
    
	
DEALER ZIP
    	
 
    	
229
    	
 
    	
237
    	
 
    	
9
    	
 
    	
 
    
	
DLR ZIP FIRST 5
    	
 
    	
229
    	
 
    	
233
    	
 
    	
5
    	
 
    	
 
    
	
DLR ZIP LAST 4
    	
 
    	
234
    	
 
    	
237
    	
 
    	
4
    	
 
    	
 
    
	
OFFICE PHONE
    	
 
    	
238
    	
 
    	
251
    	
 
    	
14
    	
 
    	
 
    
	
OFF PH AREA CODE
    	
 
    	
238
    	
 
    	
240
    	
 
    	
3
    	
 
    	
 
    
	
OFF PH FIRST 3 POS
    	
 
    	
241
    	
 
    	
243
    	
 
    	
3
    	
 
    	
 
    
	
OFF PH LAST 4 POS
    	
 
    	
244
    	
 
    	
247
    	
 
    	
4
    	
 
    	
 
    
	
OFF PH EXTENSION
    	
 
    	
248
    	
 
    	
251
    	
 
    	
4
    	
 
    	
 
    
	
FAX
    	
 
    	
252
    	
 
    	
265
    	
 
    	
14
    	
 
    	
 
    
	
FAX AREA CODE
    	
 
    	
252
    	
 
    	
254
    	
 
    	
3
    	
 
    	
 
    
	
FAX FIRST 3 POS
    	
 
    	
255
    	
 
    	
257
    	
 
    	
3
    	
 
    	
 
    
	
FAX LAST 4 POS
    	
 
    	
258
    	
 
    	
261
    	
 
    	
4
    	
 
    	
 
    
	
FAX EXTENSION
    	
 
    	
262
    	
 
    	
265
    	
 
    	
4
    	
 
    	
 
    
	
FILLER
    	
 
    	
266
    	
 
    	
275
    	
 
    	
10
    	
 
    	
 
    

 

	
RECORD LENGTH = 375
    	
 
    	
SS11
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    
	
DESCRIPTION
    	
 
    	
START
    	
 
    	
END
    	
 
    	
POS
    	
 
    	
ANNOTATION
    
	
ACCOUNT #
    	
 
    	
001
    	
 
    	
026
    	
 
    	
26
    	
 
    	
 
    
	
BANK CODE
    	
 
    	
001
    	
 
    	
002
    	
 
    	
2
    	
 
    	
 
    
	
BRANCH CODE
    	
 
    	
003
    	
 
    	
005
    	
 
    	
3
    	
 
    	
 
    
	
RETAIL/LEASE CODE
    	
 
    	
006
    	
 
    	
008
    	
 
    	
3
    	
 
    	
 
    
	
CUSTOMER #
    	
 
    	
009
    	
 
    	
018
    	
 
    	
10
    	
 
    	
 
    
	
NOTE #
    	
 
    	
019
    	
 
    	
026
    	
 
    	
8
    	
 
    	
 
    
	
COMMENT SEQUENCE #
    	
 
    	
027
    	
 
    	
029
    	
 
    	
3
    	
 
    	
 
    
	
COMMENT DATA (1st occ. Info. Below)
    	
 
    	
030
    	
 
    	
341
    	
 
    	
312
    	
 
    	
4 OCCURRENCES
    
	
SCRATCH PAD DATA
    	
 
    	
030
    	
 
    	
104
    	
 
    	
75
    	
 
    	
 
    
	
SCRATCH PAD USER
    	
 
    	
105
    	
 
    	
107
    	
 
    	
3
    	
 
    	
 
    
	
OPEN DATE
    	
 
    	
342
    	
 
    	
349
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
SVC CODE
    	
 
    	
350
    	
 
    	
352
    	
 
    	
3
    	
 
    	
 
    
	
CLOSE DATE
    	
 
    	
353
    	
 
    	
360
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
FILLER
    	
 
    	
361
    	
 
    	
375
    	
 
    	
15
    	
 
    	
 
    

 

Appendix A-14

 

APPENDIX B

 

MONTHLY DATA FILES

 

	
Record length = 100
    	
 
    	
LOS01
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    
	
DESCRIPTION
    	
 
    	
START
    	
 
    	
END
    	
 
    	
POS
    	
 
    	
ANNOTATIONS
    
	
ENTITY
    	
 
    	
001
    	
 
    	
005
    	
 
    	
5
    	
 
    	
 
    
	
COST CENTER
    	
 
    	
006
    	
 
    	
011
    	
 
    	
6
    	
 
    	
 
    
	
POOL IDENTIFIER
    	
 
    	
012
    	
 
    	
014
    	
 
    	
3
    	
 
    	
 
    
	
SUB POOL IDENTIFIER
    	
 
    	
015
    	
 
    	
024
    	
 
    	
10
    	
 
    	
 
    
	
CUSTOMER #
    	
 
    	
025
    	
 
    	
034
    	
 
    	
10
    	
 
    	
 
    
	
NOTE #
    	
 
    	
035
    	
 
    	
042
    	
 
    	
8
    	
 
    	
 
    
	
MT CODE
    	
 
    	
043
    	
 
    	
045
    	
 
    	
3
    	
 
    	
 
    
	
TRANSACTION CODE
    	
 
    	
046
    	
 
    	
047
    	
 
    	
2
    	
 
    	
WILL HAVE ‘MT’ IF FEED IS FROM MT,

 OTHERWISE   THE CL TRANS. CODE.
    
	
TRANSACTION CODE QUALIFIER
    	
 
    	
048
    	
 
    	
049
    	
 
    	
2
    	
 
    	
 
    
	
TRANSACTION DATE
    	
 
    	
050
    	
 
    	
057
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
BUSINESS LINE
    	
 
    	
058
    	
 
    	
059
    	
 
    	
2
    	
 
    	
 
    
	
ACKTBL TRANSACTION CODE
    	
 
    	
060
    	
 
    	
062
    	
 
    	
3
    	
 
    	
 
    
	
TRANSACTION AMOUNT
    	
 
    	
063
    	
 
    	
079
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
063
    	
 
    	
063
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
064
    	
 
    	
076
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
077
    	
 
    	
077
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
078
    	
 
    	
079
    	
 
    	
2
    	
 
    	
 
    
	
GL ACCOUNT NUMBER
    	
 
    	
080
    	
 
    	
093
    	
 
    	
14
    	
 
    	
 
    
	
ACCOUNT
    	
 
    	
080
    	
 
    	
089
    	
 
    	
10
    	
 
    	
 
    
	
SUB ACCOUNT NUMBER
    	
 
    	
090
    	
 
    	
093
    	
 
    	
4
    	
 
    	
 
    
	
VARIABLE RATE TYPE
    	
 
    	
094
    	
 
    	
095
    	
 
    	
2
    	
 
    	
 
    
	
FILLER
    	
 
    	
094
    	
 
    	
100
    	
 
    	
5
    	
 
    	
 
    

 

	
Record length = 3775
    	
 
    	
SS01
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    
	
DESCRIPTION
    	
 
    	
START
    	
 
    	
END
    	
 
    	
POS.
    	
 
    	
ANNOTATIONS
    
	
ACCOUNT #
    	
 
    	
0001
    	
 
    	
0026
    	
 
    	
26
    	
 
    	
 
    
	
BANK CODE
    	
 
    	
0001
    	
 
    	
0002
    	
 
    	
2
    	
 
    	
 
    
	
BRANCH CODE
    	
 
    	
0003
    	
 
    	
0005
    	
 
    	
3
    	
 
    	
 
    
	
RETAIL/LEASE CODE
    	
 
    	
0006
    	
 
    	
0008
    	
 
    	
3
    	
 
    	
 
    
	
CUSTOMER #
    	
 
    	
0009
    	
 
    	
0018
    	
 
    	
10
    	
 
    	
 
    
	
NOTE #
    	
 
    	
0019
    	
 
    	
0026
    	
 
    	
8
    	
 
    	
 
    
	
POOL IDENTIFIER
    	
 
    	
0027
    	
 
    	
0029
    	
 
    	
3
    	
 
    	
 
    
	
SUB POOL IDENTIFIER
    	
 
    	
0030
    	
 
    	
0039
    	
 
    	
10
    	
 
    	
 
    
	
CONTRACT DATE
    	
 
    	
0040
    	
 
    	
0047
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
ORIGINAL MATURITY DATE
    	
 
    	
0048
    	
 
    	
0055
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
CURRENT MATURITY DATE
    	
 
    	
0056
    	
 
    	
0063
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
ORIGINAL AMOUNT FINANCED
    	
 
    	
0064
    	
 
    	
0080
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
0064
    	
 
    	
0064
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
0065
    	
 
    	
0077
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0078
    	
 
    	
0078
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
0079
    	
 
    	
0080
    	
 
    	
2
    	
 
    	
 
    
	
CURRENT OBLIGOR BALANCE
    	
 
    	
0081
    	
 
    	
0097
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
0081
    	
 
    	
0081
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
0082
    	
 
    	
0094
    	
 
    	
13
    	
 
    	
 
    

 

Appendix B-1

 

	
DECIMAL
    	
 
    	
0095
    	
 
    	
0095
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
0096
    	
 
    	
0097
    	
 
    	
2
    	
 
    	
 
    
	
CURRENT HOLDER BALANCE
    	
 
    	
0098
    	
 
    	
0114
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
0098
    	
 
    	
0098
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
0099
    	
 
    	
0111
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0112
    	
 
    	
0112
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
0113
    	
 
    	
0114
    	
 
    	
2
    	
 
    	
 
    
	
FIRST DUE DATE
    	
 
    	
0115
    	
 
    	
0122
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
NEXT DUE DATE
    	
 
    	
0123
    	
 
    	
0130
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
NEXT PAYMENT AMOUNT
    	
 
    	
0131
    	
 
    	
0147
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
0131
    	
 
    	
0131
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
0132
    	
 
    	
0144
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0145
    	
 
    	
0145
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
0146
    	
 
    	
0147
    	
 
    	
2
    	
 
    	
 
    
	
CURRENT INTEREST RATE (APR)
    	
 
    	
0148
    	
 
    	
0155
    	
 
    	
8
    	
 
    	
 
    
	
SIGN
    	
 
    	
0148
    	
 
    	
0148
    	
 
    	
1
    	
 
    	
 
    
	
LEFT OF DECIMAL
    	
 
    	
0149
    	
 
    	
0149
    	
 
    	
1
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0150
    	
 
    	
0150
    	
 
    	
1
    	
 
    	
 
    
	
RIGHT OF DECIMAL
    	
 
    	
0151
    	
 
    	
0155
    	
 
    	
5
    	
 
    	
 
    
	
ORIGINAL TERMS
    	
 
    	
0156
    	
 
    	
0158
    	
 
    	
3
    	
 
    	
 
    
	
PAYMENT METHOD
    	
 
    	
0159
    	
 
    	
0159
    	
 
    	
1
    	
 
    	
C=COUPON
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
A=ACH
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
B=BILL
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
N=NO BILL
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    
	
INTEREST TYPE
    	
 
    	
0160
    	
 
    	
0161
    	
 
    	
2
    	
 
    	
00 = SIMPLE INTEREST
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
01=SIMPLE INTEREST
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
02=78’S INTEREST
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
03=STRAIGHT LINE INTEREST
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
04=SIMPLE INTEREST (ON  

SCHEDULED PRIN. BAL.)

 FOR LOANS   W/AMORTIZED

 PAYMENT   SCHEDULE.
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
05=SIMPLE INT. AVERAGE BAL.
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
07=SIMPLE INT. W/BALANCE
    

 

	
DESCRIPTION
    	
 
    	
START
    	
 
    	
END
    	
 
    	
POS.
    	
 
    	
ANNOTATIONS
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
SPREAD RATE ADJ.
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
08=ACTURIAL
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
09=SUM OF BALANCE
    
	
# OF DAYS LATE TO ASSESS LATE FEES
    	
 
    	
0162
    	
 
    	
0164
    	
 
    	
3
    	
 
    	
 
    
	
LATE FEE AMOUNT
    	
 
    	
0165
    	
 
    	
0181
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
0165
    	
 
    	
0165
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
0166
    	
 
    	
0178
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0179
    	
 
    	
0179
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
0180
    	
 
    	
0181
    	
 
    	
2
    	
 
    	
 
    
	
LATE FEE PERCENT
    	
 
    	
0182
    	
 
    	
0189
    	
 
    	
8
    	
 
    	
 
    
	
SIGN
    	
 
    	
0182
    	
 
    	
0182
    	
 
    	
1
    	
 
    	
 
    
	
LEFT OF DECIMAL
    	
 
    	
0183
    	
 
    	
0183
    	
 
    	
1
    	
 
    	
 
    

 

Appendix B-2

 

	
DECIMAL
    	
 
    	
0184
    	
 
    	
0184
    	
 
    	
1
    	
 
    	
 
    
	
RIGHT OF DECIMAL
    	
 
    	
0185
    	
 
    	
0189
    	
 
    	
5
    	
 
    	
 
    
	
INTEREST PAID THROUGH DATE
    	
 
    	
0190
    	
 
    	
0197
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
INTEREST ACCRUED/UNPAID AT TRANSFER
    	
 
    	
0198
    	
 
    	
0214
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
0198
    	
 
    	
0198
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
0199
    	
 
    	
0211
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0212
    	
 
    	
0212
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
0213
    	
 
    	
0214
    	
 
    	
2
    	
 
    	
 
    
	
LATE FEES DUE
    	
 
    	
0215
    	
 
    	
0231
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
0215
    	
 
    	
0215
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
0216
    	
 
    	
0228
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0229
    	
 
    	
0229
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
0230
    	
 
    	
0231
    	
 
    	
2
    	
 
    	
 
    
	
OTHER AMOUNT DUE
    	
 
    	
0232
    	
 
    	
0248
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
0232
    	
 
    	
0232
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
0233
    	
 
    	
0245
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0246
    	
 
    	
0246
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
0247
    	
 
    	
0248
    	
 
    	
2
    	
 
    	
 
    
	
REMAINING TERM
    	
 
    	
0249
    	
 
    	
0251
    	
 
    	
3
    	
 
    	
 
    
	
CHARGE OFF DATE
    	
 
    	
0252
    	
 
    	
0259
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
CHARGE OFF AMOUNT
    	
 
    	
0260
    	
 
    	
0276
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
0260
    	
 
    	
0260
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
0261
    	
 
    	
0273
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0274
    	
 
    	
0274
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
0275
    	
 
    	
0276
    	
 
    	
2
    	
 
    	
 
    
	
CONTRACT STATE (DEALER)
    	
 
    	
0277
    	
 
    	
0278
    	
 
    	
2
    	
 
    	
 
    
	
LAST PAYMENT DATE
    	
 
    	
0279
    	
 
    	
0286
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    
	
TIMES PAST DUE DATA (1st occ. Info. Below)
    	
 
    	
0287
    	
 
    	
0306
    	
 
    	
20
    	
 
    	
OCCURS 5 TIMES
    
	
SIGN
    	
 
    	
0287
    	
 
    	
0287
    	
 
    	
1
    	
 
    	
OCC 1 = 10 DAYS PAST DUE
    
	
DAYS
    	
 
    	
0288
    	
 
    	
0290
    	
 
    	
3
    	
 
    	
OCC 2 = 30 DAYS PAST DUE
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
OCC 3 = 60 DAYS PAST DUE
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
OCC 4 = 90 DAYS PAST DUE
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
OCC 5 = 120 DAYS PAST DUE
    
	
NUMBER OF NSF CHECKS
    	
 
    	
0307
    	
 
    	
0308
    	
 
    	
2
    	
 
    	
 
    
	
BUY-BACK (CLOSEOUT FEE)
    	
 
    	
0309
    	
 
    	
0316
    	
 
    	
8
    	
 
    	
 
    
	
SIGN
    	
 
    	
0309
    	
 
    	
0309
    	
 
    	
1
    	
 
    	
 
    
	
LEFT OF DECIMAL
    	
 
    	
0310
    	
 
    	
0310
    	
 
    	
1
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0311
    	
 
    	
0311
    	
 
    	
1
    	
 
    	
 
    
	
RIGHT OF DECIMAL
    	
 
    	
0312
    	
 
    	
0316
    	
 
    	
5
    	
 
    	
 
    
	
BRANCH/REGION/PROCESSING CENTER
    	
 
    	
0317
    	
 
    	
0319
    	
 
    	
3
    	
 
    	
 
    
	
ORIGINATOR APPLICATION NUMBER
    	
 
    	
0320
    	
 
    	
0329
    	
 
    	
10
    	
 
    	
 
    
	
ORIGINATOR FUNDING DATE
    	
 
    	
0330
    	
 
    	
0337
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
PAY AHEAD BALANCE
    	
 
    	
0338
    	
 
    	
0354
    	
 
    	
17
    	
 
    	
 
    

 

Appendix B-3

 

	
SIGN
    	
 
    	
0338
    	
 
    	
0338
    	
 
    	
1
    	
 
    	
 
    

 

	
DESCRIPTION
    	
 
    	
START
    	
 
    	
END
    	
 
    	
POS.
    	
 
    	
ANNOTATIONS
    
	
DOLLARS
    	
 
    	
0339
    	
 
    	
0351
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0352
    	
 
    	
0352
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
0353
    	
 
    	
0354
    	
 
    	
2
    	
 
    	
 
    
	
TITLE STATE
    	
 
    	
0355
    	
 
    	
0356
    	
 
    	
2
    	
 
    	
 
    
	
RECOURSE CODE
    	
 
    	
0357
    	
 
    	
0357
    	
 
    	
1
    	
 
    	
 
    
	
PDI INSURANCE
    	
 
    	
0358
    	
 
    	
0358
    	
 
    	
1
    	
 
    	
R=RAMSEY-KRUG
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
U=UNIVERSAL
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
F=FIREMANS’S FUND
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
G=EPG
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
O=OTHER
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
SPACE=NONE
    
	
LIFE INSURANCE
    	
 
    	
0359
    	
 
    	
0359
    	
 
    	
1
    	
 
    	
M=AMERICAN MODERN (USA)
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
P=PACIFIC LIFE (CANADA)
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
SPACE=NONE
    
	
LIABILITY INSURANCE
    	
 
    	
0360
    	
 
    	
0360
    	
 
    	
1
    	
 
    	
E=ELPA
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
SPACE=NONE
    
	
DISABILITY INSURANCE
    	
 
    	
0361
    	
 
    	
0361
    	
 
    	
1
    	
 
    	
M=AMERICAN MODERN
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
SPACE=NONE
    
	
ESPP INSURANCE
    	
 
    	
0362
    	
 
    	
0362
    	
 
    	
1
    	
 
    	
G=EPG
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
SPACE=NONE
    
	
RESIDUAL INSURANCE
    	
 
    	
0363
    	
 
    	
0363
    	
 
    	
1
    	
 
    	
P=PACIFIC LIFE (CANADA)
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
SPACE=NONE
    
	
LOAN STATUS
    	
 
    	
0364
    	
 
    	
0364
    	
 
    	
1
    	
 
    	
A=ACTIVE
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
C=CLOSED
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
D=ACCOUNT IN REPOSSESSION BUT NOT IN BANKRUPTCY.
    
	
REPO BALANCE
    	
 
    	
0365
    	
 
    	
0381
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
0365
    	
 
    	
0365
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
0366
    	
 
    	
0378
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0379
    	
 
    	
0379
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
0380
    	
 
    	
0381
    	
 
    	
2
    	
 
    	
 
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    
	
REPO ESTIMATED LOSS
    	
 
    	
0382
    	
 
    	
0398
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
0382
    	
 
    	
0382
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
0383
    	
 
    	
0395
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0396
    	
 
    	
0396
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
0397
    	
 
    	
0398
    	
 
    	
2
    	
 
    	
 
    
	
INTEREST START DATE
    	
 
    	
0399
    	
 
    	
0406
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    
	
FIXED OR VARIABLE
    	
 
    	
0407
    	
 
    	
0407
    	
 
    	
1
    	
 
    	
F=FIXED
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
V=VARIABLE
    
	
VARIABLE INDEX ADDITION
    	
 
    	
0408
    	
 
    	
0415
    	
 
    	
8
    	
 
    	
 
    
	
SIGN
    	
 
    	
0408
    	
 
    	
0408
    	
 
    	
1
    	
 
    	
 
    
	
LEFT OF DECIMAL
    	
 
    	
0409
    	
 
    	
0409
    	
 
    	
1
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0410
    	
 
    	
0410
    	
 
    	
1
    	
 
    	
 
    
	
RIGHT OF DECIMAL
    	
 
    	
0411
    	
 
    	
0415
    	
 
    	
5
    	
 
    	
 
    

 

Appendix B-4

 

	
VARIABLE FLOOR
    	
 
    	
0416
    	
 
    	
0423
    	
 
    	
8
    	
 
    	
 
    
	
SIGN
    	
 
    	
0416
    	
 
    	
0416
    	
 
    	
1
    	
 
    	
 
    
	
LEFT OF DECIMAL
    	
 
    	
0417
    	
 
    	
0417
    	
 
    	
1
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0418
    	
 
    	
0418
    	
 
    	
1
    	
 
    	
 
    
	
RIGHT OF DECIMAL
    	
 
    	
0419
    	
 
    	
0423
    	
 
    	
5
    	
 
    	
 
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    
	
VARIABLE CEILING
    	
 
    	
0424
    	
 
    	
0431
    	
 
    	
8
    	
 
    	
 
    
	
SIGN
    	
 
    	
0424
    	
 
    	
0424
    	
 
    	
1
    	
 
    	
 
    
	
LEFT OF DECIMAL
    	
 
    	
0425
    	
 
    	
0425
    	
 
    	
1
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0426
    	
 
    	
0426
    	
 
    	
1
    	
 
    	
 
    
	
RIGHT OF DECIMAL
    	
 
    	
0427
    	
 
    	
0431
    	
 
    	
5
    	
 
    	
 
    
	
STOP ACCRUAL INTEREST
    	
 
    	
0432
    	
 
    	
0448
    	
 
    	
17
    	
 
    	
 
    

 

	
DESCRIPTION
    	
 
    	
START
    	
 
    	
END
    	
 
    	
POS.
    	
 
    	
ANNOTATIONS
    
	
SIGN
    	
 
    	
0432
    	
 
    	
0432
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
0433
    	
 
    	
0445
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0446
    	
 
    	
0446
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
0447
    	
 
    	
0448
    	
 
    	
2
    	
 
    	
 
    
	
STOP ACCRUAL DATE
    	
 
    	
0449
    	
 
    	
0456
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
PAYMENT SCHEDULE REVIEW
    	
 
    	
0457
    	
 
    	
0457
    	
 
    	
1
    	
 
    	
 
    
	
RESIDUAL AMOUNT (FINANCE LEASES)
    	
 
    	
0458
    	
 
    	
0474
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
0458
    	
 
    	
0458
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
0459
    	
 
    	
0471
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0472
    	
 
    	
0472
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
0473
    	
 
    	
0474
    	
 
    	
2
    	
 
    	
 
    
	
FINANCE CHARGE (PRE COMPUTED)
    	
 
    	
0475
    	
 
    	
0491
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
0475
    	
 
    	
0475
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
0476
    	
 
    	
0488
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0489
    	
 
    	
0489
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
0490
    	
 
    	
0491
    	
 
    	
2
    	
 
    	
 
    
	
DUE DATE/PAYMENT AMT. INFO. (1st occ. Info. Below)
    	
 
    	
0492
    	
 
    	
2991
    	
 
    	
2500
    	
 
    	
OCCURS 100 TIMES
    
	
DUE DATE
    	
 
    	
0492
    	
 
    	
0499
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
DUE AMOUNT
    	
 
    	
0500
    	
 
    	
0514
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
0500
    	
 
    	
0500
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
0501
    	
 
    	
0513
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
0514
    	
 
    	
0514
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
0515
    	
 
    	
0516
    	
 
    	
2
    	
 
    	
 
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    
	
BILL DATE/PAYMENT INFO. (1st occ. info. below)
    	
 
    	
2992
    	
 
    	
3447
    	
 
    	
456
    	
 
    	
OCCURS 6 TIMES
    
	
BILLED DUE DATE
    	
 
    	
2992
    	
 
    	
2999
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
BILLED PRINCIPAL
    	
 
    	
3000
    	
 
    	
3016
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
3000
    	
 
    	
3000
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
3001
    	
 
    	
3013
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
3014
    	
 
    	
3014
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
3015
    	
 
    	
3016
    	
 
    	
2
    	
 
    	
 
    
	
BILLED INTEREST
    	
 
    	
3017
    	
 
    	
3033
    	
 
    	
17
    	
 
    	
 
    

 

Appendix B-5

 

	
SIGN
    	
 
    	
3017
    	
 
    	
3017
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
3018
    	
 
    	
3030
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
3031
    	
 
    	
3031
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
3032
    	
 
    	
3033
    	
 
    	
2
    	
 
    	
 
    
	
BILLED LATE CHARGES
    	
 
    	
3034
    	
 
    	
3050
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
3034
    	
 
    	
3034
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
3035
    	
 
    	
3047
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
3048
    	
 
    	
3048
    	
 
    	
1
    	
 
    	
 
    
	
SIGN
    	
 
    	
3049
    	
 
    	
3050
    	
 
    	
2
    	
 
    	
 
    
	
BILLED OTHER FEES
    	
 
    	
3051
    	
 
    	
3067
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
3051
    	
 
    	
3051
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
3052
    	
 
    	
3064
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
3065
    	
 
    	
3065
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
3066
    	
 
    	
3067
    	
 
    	
2
    	
 
    	
 
    
	
BILLED THROUGH DATE
    	
 
    	
3448
    	
 
    	
3455
    	
 
    	
8
    	
 
    	
CCYYMMDD
    
	
ACCRUAL BASIS YEAR
    	
 
    	
3456
    	
 
    	
3456
    	
 
    	
1
    	
 
    	
0=365-DAY YEAR
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
1=360-DAY YEAR
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
2=365/366-DAY YEAR
    
	
ACCRUAL BASIS MONTH
    	
 
    	
3457
    	
 
    	
3457
    	
 
    	
1
    	
 
    	
0=ACTUAL-DAYMONTH
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
1=30-DAY MONTH
    
	
PAYMENT SCHEDULE INFO. (1st occ. Info. below)
    	
 
    	
3458
    	
 
    	
3637
    	
 
    	
180
    	
 
    	
OCCURS 5 TIMES
    
	
PAYMENT SCHEDULE STATUS
    	
 
    	
3458
    	
 
    	
3458
    	
 
    	
1
    	
 
    	
 
    
	
PAYMENT SCHEDULE TYPE
    	
 
    	
3459
    	
 
    	
3459
    	
 
    	
1
    	
 
    	
 
    
	
PAYMENT SCHEDULE INTERVAL
    	
 
    	
3460
    	
 
    	
3462
    	
 
    	
3
    	
 
    	
 
    

 

	
DESCRIPTION
    	
 
    	
START
    	
 
    	
END
    	
 
    	
POS.
    	
 
    	
ANNOTATIONS
    
	
PAYMENT SCHEDULE TIMES BILLED
    	
 
    	
3474
    	
 
    	
3476
    	
 
    	
3
    	
 
    	
 
    
	
PAYMENT SCHEDULE AMOUNT
    	
 
    	
3477
    	
 
    	
3493
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
3477
    	
 
    	
3477
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
3478
    	
 
    	
3490
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
3491
    	
 
    	
3491
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
3492
    	
 
    	
3493
    	
 
    	
2
    	
 
    	
 
    
	
CURRENT PAYOFF AMOUNT
    	
 
    	
3638
    	
 
    	
3654
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
3638
    	
 
    	
3638
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
3639
    	
 
    	
3651
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
3652
    	
 
    	
3652
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
3653
    	
 
    	
3654
    	
 
    	
2
    	
 
    	
 
    
	
NON RECOGNIZED ACCRUED INTEREST
    	
 
    	
3655
    	
 
    	
3671
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
3655
    	
 
    	
3655
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
3656
    	
 
    	
3668
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
3669
    	
 
    	
3669
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
3670
    	
 
    	
3671
    	
 
    	
2
    	
 
    	
 
    
	
VARIABLE RATE TYPE
    	
 
    	
3672
    	
 
    	
3673
    	
 
    	
2
    	
 
    	
11 = CHANGES ON 15TH (USA)
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
12 = CHANGES ON 20TH (USA)
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
22 = CHANGES ON 15TH (CAN.)
    
	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
 
    	
23 = CHANGES ON 20TH (CAN.)
    
	
RSS MONTHLY CASH FLOW
    	
 
    	
3674
    	
 
    	
3690
    	
 
    	
17
    	
 
    	
 
    

 

Appendix B-6

 

	
SIGN
    	
 
    	
3674
    	
 
    	
3674
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
3675
    	
 
    	
3687
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
3688
    	
 
    	
3688
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
3689
    	
 
    	
3690
    	
 
    	
2
    	
 
    	
 
    
	
PRINCIPAL WRITE OFF AMOUNT
    	
 
    	
3691
    	
 
    	
3707
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
3691
    	
 
    	
3691
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
3692
    	
 
    	
3704
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
3705
    	
 
    	
3705
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
3706
    	
 
    	
3707
    	
 
    	
2
    	
 
    	
 
    
	
PAST DUE DAYS
    	
 
    	
3708
    	
 
    	
3713
    	
 
    	
6
    	
 
    	
 
    
	
SIGN
    	
 
    	
3708
    	
 
    	
3708
    	
 
    	
1
    	
 
    	
 
    
	
DAYS
    	
 
    	
3709
    	
 
    	
3713
    	
 
    	
5
    	
 
    	
 
    
	
PAST DUE ALTERNATE
    	
 
    	
3714
    	
 
    	
3719
    	
 
    	
6
    	
 
    	
 
    
	
SIGN
    	
 
    	
3714
    	
 
    	
3714
    	
 
    	
1
    	
 
    	
 
    
	
DAYS
    	
 
    	
3715
    	
 
    	
3719
    	
 
    	
3
    	
 
    	
 
    
	
RECOVERIES
    	
 
    	
3720
    	
 
    	
3736
    	
 
    	
17
    	
 
    	
 
    
	
SIGN
    	
 
    	
3720
    	
 
    	
3720
    	
 
    	
1
    	
 
    	
 
    
	
DOLLARS
    	
 
    	
3721
    	
 
    	
3733
    	
 
    	
13
    	
 
    	
 
    
	
DECIMAL
    	
 
    	
3734
    	
 
    	
3734
    	
 
    	
1
    	
 
    	
 
    
	
CENTS
    	
 
    	
3735
    	
 
    	
3736
    	
 
    	
2
    	
 
    	
 
    
	
FILLER
    	
 
    	
3737
    	
 
    	
3775
    	
 
    	
39
    	
 
    	
 
    

 

Appendix B-7

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00189-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00189-of-00352.parquet"}]]