LD.LOANS.AND.

DEPOSITS

Loan and Deposits is an application to service the Lending market

The Category code must be within the following ranges for the Loans and
Deposits Application:

Contract Type Category Range

Deposit 21001 - 21039

Sundry Deposit 21045 - 21049
Loan 21050 - 21074
Account Receivable 21090 - 21094
Commitment 21095 – 21099
Commitment Liability 21101 - 21105

LOANS: It is credits given to the customer for a period fixed or notice,

for which interest is charged.

Deposits: It is amount received from the customer to be returned after a

fixed period of time or after a notice with interest.

Commitment: It is a guarantee granted to a client, he would be permitted to

draw under the commitment, provided the drawing matures on of before the
maturity of the commitment contract.

Account Receivable: This is a simple one-shot loan without interest, either

at ‘call’ or fixed.

Sundry Deposit: This is a simple one-shot deposit without interest, either

at ‘call’ or fixed.

Commitment Liability: It is a guarantee to a client, to receive funds from

the client. No interest allowed for this type of commitment. Deposit
drawings are made under this kind of a commitment.

Parameter Files:

LMM.INSTALL.CONDS
LMM.CHARGE.CONDITIONS
LMM.ADVICES

The main parameter file is LMM.INSTALL.CONDS

This table holds the accrual dates/cycles for both the LD and MM (Money
Market) modules together with the P/L accounts that will be used.

IMPORTANT FIELDS

LD.ACC.CYCLE.L.CCY – This field defines the frequency with which interest

shall be accrued on Loans for local currency contracts.
Here we can define daily or monthly accruals. If the accrual is set to
monthly then the next Run date for the LD.END.OF.DAY 2 job is changed to
monthly.

LD.ACC.CYCLE.F.CCY – This field defines the frequency with which interest

shall be accrued on Loans for foreign currency contracts.

DAYS.POST.MATURITY - This field states the number of days after maturity

that a contract is removed from the live file and written to History.

DAYS.PRIOR.RPT.LIQ Used to specify the period for selection of

DAYS.PRIOR.RPT.REV contracts into the various reports.
DAYS.PRIOR.RPT.MAT

LD.RATE.CHANGE.ADV – Used to specify whether a rate change advice (1080) is

to be generated in case of a rate change to the LD contract.

LMM.CHARGE.CONDITIONS:

This table specifies the charges and fees that can be applied by the system.

Important Fields:

CATEGORY.CODE - Defines the Profit and Loss Category or internal Accounts

where the charges are to be booked.

MTHLY.AMORTISATION - Specifies whether the fees or charges are to be

amortized.
Y Indicates the component will be amortized.
N Indicates the no amortization

PAY.RECEIVE - Specifies whether the Charge defined is to Paid by the bank

(PAY) or Received from the customer (RECEIVE).

When a PAYable charge is processed the amount will be credited to

FEE.PAY.ACCOUNT on the LD contract.

Similarly when a RECEIVEable charge is processed the amount will be debited

from the CHRG.LIQ.ACCOUNT on the LD contract.

LMM.ADVICES:

This table controls, for each LD category, the advices that are to be
produced and the format to use. This allows the bank to define its own
categories of LD contracts and the format of advices to be used.

INTEREST RATE TYPES:

Fixed: The rate of interest to be charged over the life of the contract is
fixed with no spread portion allowed.

Periodic Automatic: A rate of interest, which will change on predetermined

dates and become effective on the appropriate revision date. The interest
rate is selected appropriately from PERIODIC.INTEREST.
Floating: A rate of interest, which will change on a non-determined basis
with immediate impact. Input is in the form of a valid key from the
BASIC.RATE.TEXT with the associated rate defined on BASIC.INTEREST table. A
positive or negative spread rate can be input on the contract.

Periodic Manual: A rate of interest, which will change on predetermined

dates and become effective on the appropriate rollover date. A positive or
negative spread rate can be input on the contract.

Periodic Straight: A rate of interest, which will not change. The rate is
input in the form of a numeric value. Revision schedules are prohibited. A
positive or negative spread rate can be input on the contract.

CONTRACT TYPES:

Only two types

1. BULLET – One shot payment

2. AMORT – Payments can be several events.

This is defined using the fields

AUTO.SCHEDS...
DEFINE.SCHEDS.
For BULLET contract the AUTO.SCHEDS equal to “YES” and DEFINE.SCHEDS “NO’
Similarly for AMORT contracts the AUTO.SCHEDS equal to “NO” and
DEFINE.SCHEDS “YES’
After authorization the value in both these fields will be re-written to NO.
The contract type can be identified from the field CONTRACT.TYPE which is
either updated with BULLET or AMORT depending on the initial input into the
fields AUTO.SCHEDS and DEFINE.SCHEDS.

CONTRACT TYPES BASED ON MATURITY DATE

Fixed
These types of contracts have A fixed maturity date.

Call / Notice:
This type of contract will not have the exact date specified but will have
the number of days instead. For a CALL contract the number of days will be
ZERO and for a notice contract it could have any number.
Since the exact maturity date is not known for CALL contracts, no schedule
definition is allowed, but the interest due date along with the frequency
can be specified on the contract in the field INTEREST.DUE.DATE.

LIQUTATION MODES:

AUTOMATIC - will liquidate across the settlement accounts on the contract

irrespective of whether funds are available or not.
SEMI-AUTOMATIC - will only raise a PD contract if insufficient funds exist
on the settlement account.

MANUAL - will create a PD contract irrespective of whether funds are

available or not.

IMPORTANT CONCAT FILES:

1. LD.SCHEDULE.DEFINE
2. LMM.ACCOUNT.BALANCES
3. LMM.SCHEDULES
4. LMM.SCHEDULE.DATES
5. LMM.EOD.LIST
6. LMM.MATURITY

LD.SCHEDULE.DEFINE

This is used for schedule definition.

Important Fields:

FORWARD.BACKWARD - This field indicates the method, which will be followed

for the generation of schedules and the action, which will be taken if the
derived date is a non working day.

1= forward - The system will go forward to the next working day.

2= backward - The system will go backward to the last working day.

3= fwd same month - The system will go forward to the next working day
provided it is within the same month. If it is not within the same month the
system will go backward to the last working day.

4 = not automatic - The user have to define the schedules event by event
manually. If non- working days are specified the system will prompt you the
override

5 = Calendar - The system will use the same date irrespective of whether
dates cycled are working days or not.

SCH.TYPE:

This field indicates the schedule type that can be created by the user.

A = Annuity (principal + interest)

P = principal
I = interest
C = commission
R = revision
F = fees
LMM.ACCOUNT.BALANCES:

This file contains the financial information about the contract.

It records the following movements.

1) Principal increase/decrease over the life of the contract.

2) Interest accrual details.
3) Commission accrual details.
4) Principal repayments to the contract amount.

Important Fields:

Associated multi-value fields.

DATE.FROM - The date that a change in the principal of the contract is

processed. This is not necessarily the value date of the principal change.
EFFECTIVE.DATE - Whenever there is a movement in principal (e.g. a draw
down) then the value date of that movement is written into this field.
TRANS.PRIN.AMT - The transaction amount that has affected the principal
balances on the contract.
OUTS.FWD.PRINC - The outstanding forward valued principal on the contract as
of the 'EFFECTIVE DATE' field
OUTS.CURR.PRINC - The current outstanding principal on the contract as of
the 'EFFECTIVE DATE'

COMMITTED.INT - The amount of interest that is due at the end of the current
interest period.

OUTS.ACCRUED.INT - The outstanding accrued interest on an asset contract, as

of the last accrual date. Often called 'interest earned not collected' and
'current interest receivable'.

OUTS.CUR.ACC.I.PAY - The outstanding accrued interest on a liability

contract, as of the last accrual date. Often called 'current interest
payable'.

START.PERIOD.INT - The start date of the current interest period.

END.PERIOD.INT - The end date of the current interest period ends.

Associated multi-value set for accruals.

PRINC.INT.BAL - The outstanding principal balance as of the DATE INT ACC TO

field in this multi-value set of accrual fields.
INT.AMT.TODATE - The amount of interest calculated using the components in
this multi-value set of fields.
AC.INT.RATE - The actual interest rate used in the calculation of interest.
The rate is inclusive of spread if any.
AC.INT.SPREAD - The interest spread that formed part of the AC INT RATE that
was used in the calculation of interest
DATE.INT.ACC.TO - The date that interest is accrued to using the components
in this multi-value set of fields. So as to keep a full history of the
interest accrual during the current interest period, these fields are multi-
value associated and each time one of the calculation components changes, a
new set of values is added.

AMOUNT.INCREASE... -- Increase/decrease principal amount

AMT.V.DATE........ affected date

NEW.INT.RATE... Change the interest rate

INT.RATE.V.DATE... Affection date

LMM.SCHEDULES:

This file contains a list of scheduled activities occurring on a particular

date for a specific contract.

LMM.SCHEDULE.DATES:

For the scheduled activity in LMM.SCHEDULES this file contains the

corresponding record along with the status.
A – indicating that the schedule is active.
D - indicating that the schedule is dead.

LMM.EOD.LIST:

For the scheduled activity in LMM.SCHEDULES this file contains the

corresponding entry to process the contract on that day.

LMM.MATURITY:

This file contains the list of LD contracts that are the contracts maturing
on a particular date.

IMPORTANT ENQUIRYS:

1. LD.CURR.INT: This enquiry gives the information about accrued interest

for the current and previous interest periods on a contract. It will
show the rates, principal amounts and days, which comprise the
interest amounts calculated.
2. LD.BALANCES.SUM / LD.BALANCES.FULL: This enquiry gives the information
about ALL the principal, interest and charge events.
 3. LD.COMMITMENT: This enquiry gives the information about the drawings
made under a commitment

END OF DAY JOBS:

LD.EOD.1

1. Change the INAU files to IHLD status

2. If required it reverse the accounting entries.

LD.EOD.2

This routine is the second to be run at EOD. This routine is for getting the
accrual date. This routine gets the number of days before next working day
and accrues for each. If there is an error in LD.EOD.2.DO.ACCRUALS or any of
the called routines they don't process any other dates.

LD.EOD.3

OPEN AND READ FILE - F.LMM.INSTALL.CONDS TO update ACCRUAL DATES.

LD.EOD.4

This batch routine does the following,

A) DETERMINE WHICH SCHEDULED DATES, PROCESSING HAS TO BE PERFORMED FOR.
B) BUILD A LIST OF CONTRACTS FOR THOSE DATES REQUIRED.
C) PROCESS EACH CONTRACT FOR THE SCHEDULE ACTIONS.

This checks for any payments to be done today and post the respective
entries.

LD.EOD.5

This routine moved the matured contracts to History based on the date sent
in LMM.INSTALL.CONDS.

LD.EOD.6

This routine generating reports like LD0100

LD.EOD.7

This routine is run in the End of Day process to update Commitment contracts
and their associated records with any changes made to the commitment
principal by means of the loans under them. These updates are all made by
the subroutine LD.COMMT.UPDATE.

LD.EOD.9
This routine is used to apply corrections in LD contracts of floating rate
type to the interest accrual fields and committed interest field due to
changes in F.BASIC.INTEREST table.

LD.EOD.ISSUE.REIMB.ACCRUAL

This end of day routine will perform accrual / amortization of issue and
reimbursement price discount or premium. The accrual will be performed based
on the Frequency in the company record.

LD.EXCEPTIONS.PRINT

This program gives a list of all the exception records existing under the
various applications. The report is printed at END.OF.DAY.

LD.STATIC.UPDATE

This updates the consolidation base for movements in LOANS and DEPOSITS
contracts
Following movements are taken care of:
- Principal
- Accruals of interests, commissions & amortized
Charges
- Settlement of interest, commissions, fees & charges
- Fees and charges due
- WHT (with holding tax)
Maintains RE.LD.ACC.BAL to identify movements
Process changes in contract details that are part of consolidation
conditions

ANNUITY.PAY.METHOD
We can input either BEGIN or END.
BEGIN - payment due at beginning of period
END - payment due at end of period

If you set DEFINE.SCHEDULE is YES, then the LD life period(start-mat date)

minimum more then one month.

Create LD loan with schedules. If the loan is not repaid on the scheduled date move the contract to PD.

CONTRACT.NO....... LD/03100/00001
------------------------------------------------------------------------------
1 CUSTOMER.ID....... 190008 MAN
2 CURRENCY.......... USD US Dollar
3 CURRENCY.MARKET... 1 Currency Market
4. 1 AMOUNT......... 12000
5. 1 BUS.DAY.DEFN... US
 6 VALUE.DATE........ 10 APR 2003
7 FIN.MAT.DATE...... 25 APR 2003
8 LIMIT.REFERENCE... 2010.01
11 CATEGORY.......... 21-050 CUS.LN
12 DRAWDOWN.ACCOUNT.. 90182 man mohan
13 INT.RATE.TYPE..... 1 FIXED
14 INTEREST.BASIS.... B 366/360
15 INT.PAYMT.METHOD.. 1 INTEREST BEARING
16. 1 INTEREST.RATE.. 10.00
19 FIRST.DAY.ACCRUAL. YES
23 CAPITALISATION.... NO
24 TOT.INTEREST.AMT.. 26.67
33 LIQUIDATION.CODE.. 1 ALL AUTOMATIC
44 LIQUIDATION.MODE.. SEMI-AUTOMATIC
45 OVERDUE.STATUS.... CUR
52 POSITION.TYPE..... TR TRADING POSITION
64 REDUCED.RATE...... NORMAL
65 DELIVERY.LINK..... 1 DEFAULT
67 PRIN.LIQ.ACCT..... 90182 man mohan
72 INT.LIQ.ACCT...... 90182 man mohan
78 CHRG.LIQ.ACCT..... 90182 man mohan
79 MIS.ACCT.OFFICER.. 1 Implementation
80 FEDERAL.FUNDS..... NO
81 CLEAN.RISK........ NO
84 AGREEMENT.DATE.... 10 APR 2003
86 COUNTRY.RISK...... US USA
87 COUNTRY.EXPOSURE.. US USA
89 STATUS.CONTROL.... AUTOMATIC
90 STATUS............ LIQ
101 DRAWDOWN.ISSUE.PRC 12,000.00
104 DRAWDOWN.NET.AMT.. 12,000.00
106 ISSUE.PL.AMOUNT... 0.00
110 ISSUE.PRICE....... 100.00
111 ISSUE.ACCRUAL..... NO
112 REIMBURSE.PRICE... 100.00
113 REIMBURSE.AMOUNT.. 800.00
115 REIMBURSE.ACCRUAL. NO
123 FEE.PAY.ACCOUNT... 90182 man mohan
134 DRAWDOWN.ENT.DATE. 10 APR 2003
143 ALONE.MERGE.IND... MERGE
145 AUTO.SCHEDS....... NO
146 DEFINE.SCHEDS..... NO If you set “YES” you have to set the schedule dates
147 CONTRACT.TYPE..... AMORT
159 SEND.PAYMENT...... Y
160 SEND.CONFIRMATION. Y
178 CONTRACT.GRP...... 2
197 YIELD.METHOD...... NO
204 SETTLEMENT.MARKET. 1 Currency Market
205 CONVERSION.TYPE... MID
207 LAST.DAY.ACCRUAL.. NO
208 DEFAULTED.VALUE... NO
217 DEALER.DESK....... 00 ALL
218 NEGATIVE.RATE..... NO
225. 1 STMT.NO........ 140650001055213.00
225. 2 STMT.NO........ 1-2
227 RECORD.STATUS..... MAT
228 CURR.NO........... 24
229. 1 INPUTTER....... 11_AUTHORISER
230. 1 DATE.TIME...... 04 JUL 06 06:70
231 AUTHORISER........ 11_AUTHORISER
232 CO.CODE........... US-001-0001 BNK MODEL BANK 14007
233 DEPT.CODE......... 1

If there is no amount in your drawdown account the PD will be automaticaly generated based
on the LIQUIDATION.MODE MANUAL/SEMIAUTOMATIC/AUTOMATIC
CONTRACT.NUMBER... PDLD/03100/00001
------------------------------------------------------------------------------
2 CUSTOMER.......... 190008 MAN
3 CURRENCY.......... USD US Dollar
4 CURRENCY.MARKET... 1 Currency Market
5 POSITION.TYPE..... TR TRADING POSITION
6 DEALER.DESK....... 00 ALL
7 ACCOUNT.OFFICER... 1 Implementation
8 CATEGORY.......... 21050 CUS.LN
9 INTEREST.BASIS.... B 366/360
10. 1 ORIG.STLMNT.ACT 90182 man mohan
11 PENALTY.RATE...... 20.00
13 PENALTY.SPREAD.... 0.00
14 PARAMETER.RECORD.. 21050
15 ORIG.LIMIT.REF.... 2010.01 Loans - Secured
16 LIMIT.REFERENCE... 2010.01 Loans - Secured
17 LIMIT.AMOUNT...... -8,000.00 USD
-2,400.00 USD
18 TOTAL.AMT.TO.REPAY 8,042.22 USD

We can repay the PD through either online or COB.

Given below example repay through COB
Enter the ID. E.g. 21050
Enter Retry Frequency ( Field no. 40) E.g. DAILY
Enter Retry Repay Status (Field no. 46) E.g. NAB.
Choose Use Avbl Funds (Field no. 65) as YES.

PD.PARAMETER

ID................ 21050 CUSTOMER LOANS

----------------------------------------------------------------------------
--
1 CAT.OD.INT.CUR.... 51000 Int Inc
2 CAT.OD.INT.PRV.MTH 51001 Int Inc-1
3 CAT.OD.INT.PRV.YR. 51001 Int Inc-1
5 CAT.OD.SPR.CUR.... 51005 Reserved
6 CAT.OD.SPR.PRV.MTH 51006 Reserved
7 CAT.OD.SPR.PRV.YR. 51006 Reserved
9 WOF.CATEGORY...... 54161 Write-off Loss
10 TXN.CDE.WOF.DR.... 87 Reserved
11 TXN.CDE.WOF.CR.... 187 Reserved
12 TXN.CDE.ADJ.DR.... 88 Reserved
13 TXN.CDE.ADJ.CR.... 188 Reserved
14 TXN.CDE.REPAY.NET. 488 Past Due Net Payment
15 ACCR.CYCLE.LOCAL.. 19 AUG 2003DAILY
 16 ACCR.CYCLE.FOREIGN 19 AUG 2003DAILY
17 GRACE.PERIOD.INT.. 0
18 GRACE.PERIOD.SPRD. 0
19 NAB.PERIOD.INT.... 90
20 NAB.PERIOD.SPRD... 90
21 SUB.PAY.SETTING... YES
22. 1 STATUS.CHANGE.. PRE
23. 1 ACTIVITY.CODE.. 100 Entering Pre-grace Period
22. 2 STATUS.CHANGE.. GRA
23. 2 ACTIVITY.CODE.. 102 Entering Grace
22. 3 STATUS.CHANGE.. PDO
23. 3 ACTIVITY.CODE.. 104 Start of Past Due
22. 4 STATUS.CHANGE.. NAB
23. 4 ACTIVITY.CODE.. 106 Start of NAB
24 MAXIMUM.LEGAL.RATE 25.00
25 MINIMUM.RATE...... 3.00
26 PENALTY.RATE...... 20.00
32. 1 PEN.CALC.BASIS. PR PRINCIPAL
32. 2 PEN.CALC.BASIS. IN INTEREST
33. 1 REPAYMENT.ORDER PR Principal Amount
33. 2 REPAYMENT.ORDER IN Interest Amount
33. 3 REPAYMENT.ORDER PE Penalty Interest
33. 4 REPAYMENT.ORDER PS Penalty Interest - Spread
33. 5 REPAYMENT.ORDER CH Charge Amount
33. 6 REPAYMENT.ORDER CO Commission Amount
33. 7 REPAYMENT.ORDER TX Tax Amount
33. 8 REPAYMENT.ORDER PF Penalty Fee
33. 9 REPAYMENT.ORDER CB Contingent Balance (Account)
33.10 REPAYMENT.ORDER CP Contingent Principal (Revolving
Cr)
33.11 REPAYMENT.ORDER CE Capitalised Penalty Interest
33.12 REPAYMENT.ORDER CS Capitalised Penalty Spread
33.13 REPAYMENT.ORDER A1 Insurance Fee
35 REVERSE.PL.AT.NAB. NO
36 TXN.CDE.TAKEOVR.DR 74 Reserved
37 TXN.CDE.TAKEOVR.CR 58 Take Over Entry - Credit
39 MIN.AUTO.PERCENT.. 90
40 RETRY.FREQ........ 20030819DAILY
41 CAT.PEN.FEE....... 51000 Int Inc
43 ACCRUAL.TODAY..... YES
45 REPAYMENT.METHOD.. 1 REPAYMENT ORDER
46 RETRY.REPAY.STATUS NAB
54 PE.CAP.FREQ....... JAN 0101
65 USE.AVBL.FUNDS.... YES
79 CURR.NO........... 145
80. 1 INPUTTER....... 15_PD.EOD.RETRY
81. 1 DATE.TIME...... 10 JUL 06 20:34
82 AUTHORISER........ 15_PD.EOD.RETRY
83 CO.CODE........... US-001-0001 BNK MODEL BANK 14007
84 DEPT.CODE......... 1

SPEC.ENTRY for LD

TR.REF CODE B.DATE LCY CAL.KY CON

LD0310000001 CRP 20030411 800 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....LIVEDB NC
LD0310000001 ACC 20030411 -3.11 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....51001 NC
LD0310000001 CRP 20030411 800 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....LIVEDB NC
LD0310000001 ACC 20030411 -2.89 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....51001 NC
LD0310000001 CRP 20030411 800 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....LIVEDB NC
LD0310000001 ACC 20030414 -1.11 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....51001 NC
LD0310000001 CNW 20030410 -12000 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....LIVEDB NC
LD0310000001 ACC 20030410 -3.33 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....51001 NC
LD0310000001 CRP 20030414 800 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....LIVEDB NC
LD0310000001 ACC 20030414 -2.44 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....51001 NC
LD0310000001 CRP 20030414 800 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....LIVEDB NC
LD0310000001 ACC 20030414 -2.22 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....51001 NC
LD0310000001 CRP 20030414 800 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....LIVEDB NC
LD0310000001 ACC 20030414 -2 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....51001 NC
LD0310000001 CRP 20030414 800 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....LIVEDB NC
LD0310000001 ACC 20030414 -1.78 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....51001 NC
LD0310000001 CRP 20030414 800 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....LIVEDB NC
LD0310000001 ACC 20030414 -1.56 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....51001 NC
LD0310000001 CRP 20030414 800 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....LIVEDB NC
LD0310000001 ACC 20030414 -1.33 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....51001 NC
LD0310000001 CRP 20030414 800 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....LIVEDB NC
LD0310000001 ACC 20030411 -2.67 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....51001 NC
LD0310000001 CRP 20030424 800 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....LIVEDB NC
LD0310000001 ACC 20030424 -0.23 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....51001 NC
LD0310000001 CRP 20030423 800 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....LIVEDB NC
LD0310000001 ACC 20030423 -0.44 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....51001 NC
LD0310000001 CAP 20030425 26.67 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....51001 NC
LD0310000001 MAT 20030425 800 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....LIVEDB NC
LD0310000001 CRP 20030421 800 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....LIVEDB NC
LD0310000001 ACC 20030421 -0.89 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....51001 NC
LD0310000001 CRP 20030422 800 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....LIVEDB NC
LD0310000001 ACC 20030422 -0.67 LD.1.TR.USD.21050.Y.1.1M.4100.US.1000.US.....51001 NC
===================
0

SPEC.ENTRY FOR PD Repayment..

TR.REF CODE B.DAT LCY CAL.KEY CON
PDLD0310000001 CRT 20030411 -800 PD.1.TR.USD.21050.2010\01.1..4100.US.1000.US.....OVERDUEDB NC
PDLD0310000001 CRT 20030411 -800 PD.1.TR.USD.21050.2010\01.1..4100.US.1000.US.....OVERDUEDB NC
PDLD0310000001 CRT 20030411 -800 PD.1.TR.USD.21050.2010\01.1..4100.US.1000.US.....OVERDUEDB NC
PDLD0310000001 ACC 20030414 -21.78 PD.1.TR.USD.21050.2010\01.1..4100.US.1000.US.....51000 NC
PDLD0310000001 CRT 20030414 -800 PD.1.TR.USD.21050.2010\01.1..4100.US.1000.US.....OVERDUEDB NC
PDLD0310000001 CRT 20030414 -800 PD.1.TR.USD.21050.2010\01.1..4100.US.1000.US.....OVERDUEDB NC
PDLD0310000001 CRT 20030414 -800 PD.1.TR.USD.21050.2010\01.1..4100.US.1000.US.....OVERDUEDB NC
PDLD0310000001 CRT 20030414 -800 PD.1.TR.USD.21050.2010\01.1..4100.US.1000.US.....OVERDUEDB NC
PDLD0310000001 CRT 20030414 -800 PD.1.TR.USD.21050.2010\01.1..4100.US.1000.US.....OVERDUEDB NC
PDLD0310000001 CRT 20030414 -800 PD.1.TR.USD.21050.2010\01.1..4100.US.1000.US.....OVERDUEDB NC
PDLD0310000001 CRT 20030414 -800 PD.1.TR.USD.21050.2010\01.1..4100.US.1000.US.....OVERDUEDB NC
PDLD0310000001 ACC 20030411 -2.66 PD.1.TR.USD.21050.2010\01.1..4100.US.1000.US.....51000 NC
PDLD0310000001 RPY 20030424 8000 PD.1.TR.USD.21050.2010\01.1..4100.US.1000.US.....OVERDUEDB NC
PDLD0310000001 ACC 20030424 -4.44 PD.1.TR.USD.21050.2010\01.1..4100.US.1000.US.....51000 NC
PDLD0310000001 CAP 20030424 42.22 PD.1.TR.USD.21050.2010\01.1..4100.US.1000.US.....51000 NC
PDLD0310000001 ACC 20030421 -4.45 PD.1.TR.USD.21050.2010\01.1..4100.US.1000.US.....51000 NC
PDLD0310000001 ACC 20030423 -4.45 PD.1.TR.USD.21050.2010\01.1..4100.US.1000.US.....51000 NC
PDLD0310000001 ACC 20030422 -4.44 PD.1.TR.USD.21050.2010\01.1..4100.US.1000.US.....51000 NC

Example-2 of COMMITMENT-LD

Input a Non-Revolving Commitment Loan allowing drawings with a definite drawing Start and End date.
Do a Disbursement of the 1st Tranche and setup a commission fee of 1% for the unutilized amount.
(TRANCHE.AMOUNT and COMMITEMENT.REF Field in LD )

CONTRACT.NO....... LD/04077/00001 (COMMITMENT)

------------------------------------------------------------------------------
1 CUSTOMER.ID....... 1043 RUPERT MURDOCH
2 CURRENCY.......... USD US Dollar
3 CURRENCY.MARKET... 1 Currency Market
4. 1 AMOUNT......... 10,000.00
5. 1 BUS.DAY.DEFN... US
6 VALUE.DATE........ 17 MAR 2004
7 FIN.MAT.DATE...... 25 MAR 2004
11 CATEGORY.......... 21-096 Comm Non-Rev
13 INT.RATE.TYPE..... 1 FIXED
14 INTEREST.BASIS.... B 366/360
15 INT.PAYMT.METHOD.. 1 INTEREST BEARING
16. 1 INTEREST.RATE.. 0.00
19 FIRST.DAY.ACCRUAL. YES
24 TOT.INTEREST.AMT.. 0.00
25 INT.START.DATE.... 17 MAR 2004
26 INT.END.DATE...... 25 MAR 2004\
33 LIQUIDATION.CODE.. 1 ALL AUTOMATIC
34 COMM.CALC.METHOD.. B 366/360
35 COMM.PAYMT.METHOD. 1 INTEREST BEARING
36. 1 COMM.RATE...... 1.00
37 TOTAL.COMM.AMOUNT. 1.33
44 LIQUIDATION.MODE.. AUTOMATIC
52 POSITION.TYPE..... TR TRADING POSITION
65 DELIVERY.LINK..... 1 DEFAULT
72 INT.LIQ.ACCT...... 19453 RMURDOCH USD
 77 COM.LIQ.ACCT...... 19453 RMURDOCH USD
78 CHRG.LIQ.ACCT..... 19453 RMURDOCH USD
79 MIS.ACCT.OFFICER.. 25 MARK WALKER
80 FEDERAL.FUNDS..... NO
81 CLEAN.RISK........ NO
84 AGREEMENT.DATE.... 17 MAR 2004
86 COUNTRY.RISK...... US USA
87 COUNTRY.EXPOSURE.. US USA
89 STATUS.CONTROL.... AUTOMATIC
90 STATUS............ LIQ
92 L.C.U.TYPE........ NON-REVOLVING
93 STA........Y.N.... YES
95 L.C.U.CALC.BASE... UNUSED
96 COMMT.AVAIL.AMT... 0.00
97. 1 TRANCHE.AMT.... 10,000.00
98. 1 D.D.START.DATE. 17 MAR 2004
99. 1 D.D.END.DATE... 25 MAR 2004
109 COMMIT.DRAWING.... Y
111 ISSUE.ACCRUAL..... NO
115 REIMBURSE.ACCRUAL. NO
145 AUTO.SCHEDS....... NO
146 DEFINE.SCHEDS..... NO
147 CONTRACT.TYPE..... BULLET
159 SEND.PAYMENT...... Y
160 SEND.CONFIRMATION. Y
178 CONTRACT.GRP...... 2
197 YIELD.METHOD...... NO
204 SETTLEMENT.MARKET. 1 Currency Market
205 CONVERSION.TYPE... MID
207 LAST.DAY.ACCRUAL.. NO
208 DEFAULTED.VALUE... YES
217 DEALER.DESK....... 00 ALL
218 NEGATIVE.RATE..... NO
225. 1 STMT.NO........ 140680000952950.00
225. 2 STMT.NO........ 1
227 RECORD.STATUS..... MAT
228 CURR.NO........... 5
229. 1 INPUTTER....... 9_HARISH1
230. 1 DATE.TIME...... 29 JUN 04 04:62
231 AUTHORISER........ 9_HARISH1
232 CO.CODE........... US-001-0001 BNK MODEL BANK 14007
233 DEPT.CODE......... 1

Input an LD

CONTRACT.NO....... LD/04077/00002 (LD)

------------------------------------------------------------------------------
1 CUSTOMER.ID....... 1043 RUPERT MURDOCH
2 CURRENCY.......... USD US Dollar
3 CURRENCY.MARKET... 1 Currency Market
4. 1 AMOUNT......... 6000.00
5. 1 BUS.DAY.DEFN... US
6 VALUE.DATE........ 17 MAR 2004
7 FIN.MAT.DATE...... 25 MAR 2004
 8 LIMIT.REFERENCE... 2010.01
11 CATEGORY.......... 21-050 CUS.LN
12 DRAWDOWN.ACCOUNT.. 19453 RMURDOCH USD
13 INT.RATE.TYPE..... 1 FIXED
14 INTEREST.BASIS.... B 366/360
15 INT.PAYMT.METHOD.. 1 INTEREST BEARING
16. 1 INTEREST.RATE.. 10.00
19 FIRST.DAY.ACCRUAL. YES
23 CAPITALISATION.... NO
24 TOT.INTEREST.AMT.. 8.89
33 LIQUIDATION.CODE.. 1 ALL AUTOMATIC
44 LIQUIDATION.MODE.. AUTOMATIC
52 POSITION.TYPE..... TR TRADING POSITION
64 REDUCED.RATE...... NORMAL
65 DELIVERY.LINK..... 1 DEFAULT
67 PRIN.LIQ.ACCT..... 19453 RMURDOCH USD
72 INT.LIQ.ACCT...... 19453 RMURDOCH USD
78 CHRG.LIQ.ACCT..... 19453 RMURDOCH USD
79 MIS.ACCT.OFFICER.. 25 MARK WALKER
80 FEDERAL.FUNDS..... NO
81 CLEAN.RISK........ NO
84 AGREEMENT.DATE.... 17 MAR 2004
86 COUNTRY.RISK...... US USA
87 COUNTRY.EXPOSURE.. US USA
89 STATUS.CONTROL.... AUTOMATIC
90 STATUS............ LIQ
91 COMMITMENT.NO..... LD/04077/00001
101 DRAWDOWN.ISSUE.PRC 4,000.00
104 DRAWDOWN.NET.AMT.. 4,000.00
106 ISSUE.PL.AMOUNT... 0.00
110 ISSUE.PRICE....... 100.00
111 ISSUE.ACCRUAL..... NO
112 REIMBURSE.PRICE... 100.00
113 REIMBURSE.AMOUNT.. 4,000.00
115 REIMBURSE.ACCRUAL. NO
123 FEE.PAY.ACCOUNT... 19453 RMURDOCH USD
134 DRAWDOWN.ENT.DATE. 17 MAR 2004
145 AUTO.SCHEDS....... NO
146 DEFINE.SCHEDS..... NO
147 CONTRACT.TYPE..... BULLET
159 SEND.PAYMENT...... Y
160 SEND.CONFIRMATION. Y
178 CONTRACT.GRP...... 2
197 YIELD.METHOD...... NO
204 SETTLEMENT.MARKET. 1 Currency Market
205 CONVERSION.TYPE... MID
207 LAST.DAY.ACCRUAL.. NO
208 DEFAULTED.VALUE... NO
217 DEALER.DESK....... 00 ALL
218 NEGATIVE.RATE..... NO
225. 1 STMT.NO........ 140680000952948.00
225. 2 STMT.NO........ 1-2
227 RECORD.STATUS..... MAT
228 CURR.NO........... 4
229. 1 INPUTTER....... 9_HARISH1
230. 1 DATE.TIME...... 29 JUN 04 04:62
231 AUTHORISER........ 9_HARISH1
 SPEC.ENTRY FOR COMMITMENT
TR.REF T.CODE B.DATE AMT.LCY CAL.KEY CONTIG
LD0404800001 ACC 20040217 -0.11LD.1.TR.USD.21096.Y.75.1M.3300.US.5120.US.....51001 NC
LD0404800001 ACC 20040217 -0.11LD.1.TR.USD.21096.Y.75.1M.3300.US.5120.US.....51001 NC
LD0404800001 ACC 20040217 -0.11LD.1.TR.USD.21096.Y.75.1M.3300.US.5120.US.....51001 NC
LD0404800001 CNW 20040217 -4000LD.1.TR.USD.21096.Y.75.1M.3300.US.5120.US.....LIVECMTC
LD0404800001 ACC 20040220 -0.56LD.1.TR.USD.21096.Y.75.1M.3300.US.5120.US.....51001 NC
LD0404800001 CAP 20040220 0.89LD.1.TR.USD.21096.Y.75.1M.3300.US.5120.US.....51001 NC
LD0404800001 MAT 20040220 4000LD.1.TR.USD.21096.Y.75.1M.3300.US.5120.US.....LIVECMTC

SPEC.ENTRY FOR LD

T.REF T.CODE DATE AM.LCY CAL.KEY CONT

LD0404800002 CNW 20040217 -6000LD.1.TR.USD.21050.Y.75.1M.3300.US.5120.US.....LIVEDB NC
LD0404800002 ACC 20040217 -1.67LD.1.TR.USD.21050.Y.75.1M.3300.US.5120.US.....51001 NC
LD0404800002 ACC 20040217 -1.67LD.1.TR.USD.21050.Y.75.1M.3300.US.5120.US.....51001 NC
LD0404800002 ACC 20040217 -1.67LD.1.TR.USD.21050.Y.75.1M.3300.US.5120.US.....51001 NC
LD0404800002 ACC 20040220 -8.32LD.1.TR.USD.21050.Y.75.1M.3300.US.5120.US.....51001 NC
LD0404800002 CAP 20040220 13.33LD.1.TR.USD.21050.Y.75.1M.3300.US.5120.US.....51001 NC
LD0404800002 MAT 20040220 6000LD.1.TR.USD.21050.Y.75.1M.3300.US.5120.US.....LIVEDB NC

Example-3 Annuity type Loan

Create an Annuity type Loan.

a. Apply a New interest Rate after the repayment of the 1st Schedule.
b. After completion of the 2nd schedules pre-pay the Loan by using the Principal
Decrease option.
c. Finally do an Early Maturity of the defined Loan.

ANNUITY.PAY.METHOD

If you set DEFINE.SCHEDULE is YES, then the LD life period(start-mat date)

minimum more then one month.

1) V.DATE 9 MAY 2003

MAT DATE 9 DEC 2003
2) first schedule 9 june 2003
3) Change interest 10% to 11%through New.int.rate 10 june 2003
4) Prepay the amount on 18th july.

CONTRACT.NO....... LD/03129/00006
------------------------------------------------------------------------------
1 CUSTOMER.ID....... 190014 RICKY
2 CURRENCY.......... USD US Dollar
 3 CURRENCY.MARKET... 1 Currency Market
4. 1 AMOUNT......... 17,857.84
5. 1 BUS.DAY.DEFN... US
6 VALUE.DATE........ 09 MAY 2003
7 FIN.MAT.DATE...... 09 DEC 2003 Change in to 09 JUL 2003
8 LIMIT.REFERENCE... 2010.01
11 CATEGORY.......... 21-050 CUS.LN
12 DRAWDOWN.ACCOUNT.. 90336 RICKY
13 INT.RATE.TYPE..... 1 FIXED
14 INTEREST.BASIS.... B 366/360
15 INT.PAYMT.METHOD.. 1 INTEREST BEARING
16. 1 INTEREST.RATE.. 11.00
19 FIRST.DAY.ACCRUAL. YES
23 CAPITALISATION.... NO
24 TOT.INTEREST.AMT.. 998.05
33 LIQUIDATION.CODE.. 1 ALL AUTOMATIC
44 LIQUIDATION.MODE.. AUTOMATIC
52 POSITION.TYPE..... TR TRADING POSITION
64 REDUCED.RATE...... NORMAL
65 DELIVERY.LINK..... 1 DEFAULT
67 PRIN.LIQ.ACCT..... 90336 RICKY
72 INT.LIQ.ACCT...... 90336 RICKY
78 CHRG.LIQ.ACCT..... 90336 RICKY
79 MIS.ACCT.OFFICER.. 1 Implementation
80 FEDERAL.FUNDS..... NO
81 CLEAN.RISK........ NO
84 AGREEMENT.DATE.... 09 MAY 2003
86 COUNTRY.RISK...... US USA
87 COUNTRY.EXPOSURE.. US USA
89 STATUS.CONTROL.... AUTOMATIC
90 STATUS............ CUR
101 DRAWDOWN.ISSUE.PRC 25,000.00
104 DRAWDOWN.NET.AMT.. 25,000.00
106 ISSUE.PL.AMOUNT... 0.00
110 ISSUE.PRICE....... 100.00
111 ISSUE.ACCRUAL..... NO
112 REIMBURSE.PRICE... 100.00
113 REIMBURSE.AMOUNT.. 17,857.84
115 REIMBURSE.ACCRUAL. NO
123 FEE.PAY.ACCOUNT... 90336 RICKY
130. 1 NEW.INT.RATE... 11.00
131 INT.RATE.V.DATE... 10 JUN 2003
134 DRAWDOWN.ENT.DATE. 09 MAY 2003
145 AUTO.SCHEDS....... NO
146 DEFINE.SCHEDS..... NO
147 CONTRACT.TYPE..... BULLET
159 SEND.PAYMENT...... Y
160 SEND.CONFIRMATION. Y
171 ANNUITY.PAY.METHOD BEGIN (BEGIN - payment due at beginning of period
173 ANNUITY.REPAY.AMT. 3,662.95 END- payment due at end of period)
178 CONTRACT.GRP...... 2
197 YIELD.METHOD...... NO
204 SETTLEMENT.MARKET. 1 Currency Market
205 CONVERSION.TYPE... MID
207 LAST.DAY.ACCRUAL.. NO
208 DEFAULTED.VALUE... NO
217 DEALER.DESK....... 00 ALL
218 NEGATIVE.RATE..... NO
 225. 1 STMT.NO........ 140680001567698.02
225. 2 STMT.NO........ 1-2
226. 1 OVERRIDE....... PRE-DEFINED SCHEDULES MAY BE REMOVED
226. 2 OVERRIDE....... MATURITY ONLY SCHEDULES WILL BE APPLIED
228 CURR.NO........... 5
229. 1 INPUTTER....... 12_GLENN1
229. 2 INPUTTER....... 15_AUTHORISER
230. 1 DATE.TIME...... 10 JUL 06 10:21
231 AUTHORISER........ 14_GLENN
232 CO.CODE........... US-001-0001 BNK MODEL BANK 14007
233 DEPT.CODE......... 1

set the Field no 171, 'ANNUITY.PAY.METHOD' as 'BEGIN' then tried to change the interest
to New interest after the first schedule, but not able to set the new interest for the old
scheduled dates. But the schedule cycle was waved off and the payment cycle was set to the
final maturity date.

TR.REF T.CODE B.DAT LCY CAL CN

LD0312900006 CNW 20030509 -25000 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....LIVEDB NC
LD0312900006 ACC 20030610 -4.96 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 CRP 20030509 3662.95 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....LIVEDB NC
LD0312900006 ACC 20030509 -5.93 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 ACC 20030509 -5.93 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 ACC 20030509 -5.93 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 ACC 20030512 -5.93 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 ACC 20030512 -5.93 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 ACC 20030512 -5.93 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 ACC 20030515 -5.93 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 ACC 20030515 -5.93 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 ACC 20030515 -5.93 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 ACC 20030515 -5.93 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 ACC 20030519 -5.93 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 ACC 20030519 -5.93 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 ACC 20030519 -5.93 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 ACC 20030519 -5.93 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 ACC 20030519 -5.93 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 ACC 20030519 -5.93 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 ACC 20030519 -5.93 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 ACC 20030519 -5.93 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 ACC 20030519 -5.93 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 ACC 20030528 -5.93 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 ACC 20030528 -5.93 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 ACC 20030528 -5.93 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 ACC 20030528 -5.93 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 ACC 20030610 -47.35 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 CAP 20030610 183.74 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 CRP 20030610 3479.21 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....LIVEDB NC
LD0312900006 CRP 20030618 17857.83 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....LIVEDB NC
LD0312900006 ACC 20030610 -5.46 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 SCH 20030610 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001.1 NC
LD0312900006 SCH 20030610 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001.1 NC
LD0312900006 APP 20030625 0.01 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....LIVEDB NC
LD0312900006 APP 20030625 -0.01 LD.1.TR.USD.21050.Y.1.3M.4100.US.1000.US.....LIVEDB NC
LD0312900006 APP 20030625 48.64 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001.1 NC
LD0312900006 APP 20030625 -48.64 LD.1.TR.USD.21050.Y.1.3M.4100.US.1000.US.....51001.1 NC
LD0312900006 SCH 20030625 LD.1.TR.USD.21050.Y.1.3M.4100.US.1000.US.....LIVEDB NC
LD0312900006 SCH 20030625 LD.1.TR.USD.21050.Y.1.3M.4100.US.1000.US.....LIVEDB NC
LD0312900006 SCH 20030625 LD.1.TR.USD.21050.Y.1.3M.4100.US.1000.US.....51001.1 NC
LD0312900006 SCH 20030625 LD.1.TR.USD.21050.Y.1.3M.4100.US.1000.US.....51001.1 NC
LD0312900006 ACC 20030611 -5.46 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 ACC 20030611 -5.46 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 ACC 20030611 -5.46 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 ACC 20030611 -5.46 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 ACC 20030611 -5.46 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 ACC 20030611 -5.46 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 ACC 20030611 -5.46 LD.1.TR.USD.21050.Y.1.12M.4100.US.1000.US.....51001 NC
LD0312900006 ACC 20030717 0.03 LD.1.TR.USD.21050.Y.1.3M.4100.US.1000.US.....51001 NC
LD0312900006 CAP 20030717 48.61 LD.1.TR.USD.21050.Y.1.3M.4100.US.1000.US.....51001 NC
LD0312900006 MAT 20030717 0.01 LD.1.TR.USD.21050.Y.1.3M.4100.US.1000.US.....LIVEDB NC
===================

Example How to calculate the repayamount and interest

amount in the annuity LD.

Now let's consider another example. This will highlight the idea of an amortization schedule.
Suppose that $1000 is borrowed. The loan will be repaid in 5 equal annual payments (each
includes interest and principal). The interest rate is 10% per annum. First, compute the one
period discount factor:
Z = 1/(1+R/m)
Z = 1/1.10 = 0.9091

Now plug these values into the formula

A5 = 1000 = a(0.9091(1-0.90915)/(1-0.9091) = a(3.791)

Solve for a a = 1000 / 3.791 = $263.80

Now we can check the mechanics by constructing an amortization schedule:

Year Beginning Balance 10% Interest Payment Principal Ending Balance

1 1000.00 100.00 263.80 163.80 836.20
2 836.20 83.62 263.80 180.18 656.02
 3 656.02 65.60 263.80 198.20 457.82
4 457.82 45.78 263.80 218.02 239.80
5 239.80 23.98 263.80 239.82 000.00

This example illustrates the accounting implications of using an annuity. Note that there is a 2
cent rounding error.