SHAZAM Platform Services · • Transferring an Account to Cardinal Compass • Menus • Tips • Individual PC Settings for any computer the Accounts platform is to be installed

SHAZAM Platform Services Cardinal New Accounts Platform

Training Guide

1/28/15

www.Cardinal400.com

New Accounts Training Guide 2015

SHAZAM Platform Services Loans Documentation Page i ©2015 ITS, Inc. All Rights Reserved

Revision/Approval History Date Description Author

06/17/2011 Original Terri Wakefield 05/30/2012 Added Tools Terri Wakefield 10/11/2013 Updated Transferring an Account, Added Morning

Steps, Added Sole Proprietorship, Added Tips Terri Wakefield

11/01/2013 Added additional information regarding Sole Proprietorship

Terri Wakefield

11/22/2013 Added Menus Chapter Terri Wakefield 6/5/2014 Added Rep Payee Account and Personal Agency James Lee 11/12/2014 General update James Lee 1/28/2015 Updated headers and footers James Lee


SHAZAM Platform Services Loans Documentation Page iii ©2015 ITS, Inc. All Rights Reserved

Contents PREFACE ............................................................................................................................................ v

Purpose of Document ............................................................................................................................... v

Who Should Read This Document ............................................................................................................ v

Document Organization ............................................................................................................................ v

Morning Procedures ..........................................................................................................................1

How to Open a New Account ..............................................................................................................1

New Accounts ........................................................................................................................................... 2

Products Expert ............................................................................................................................... 10

How to Open a Trust Account ........................................................................................................... 31

Rep Payee Account .......................................................................................................................... 35

Personal Agency Account ................................................................................................................. 41

How to Open a Sole Proprietorship................................................................................................... 46

Accounts in Process and Accounts Offline ......................................................................................... 49

Printing Forms ................................................................................................................................. 53

How to Print Blank Forms from the Cardinal New Accounts Platform ................................................... 53

How to Print Forms for a Product ........................................................................................................... 55

Search for Form ................................................................................................................................... 56

Print a Single Form .............................................................................................................................. 58

Printed Forms ...................................................................................................................................... 59

How to Redeem a Bond or Find Redemption Values in the Cardinal New Accounts Platform .............. 60

Transferring an Account to Cardinal Compass ................................................................................... 64

Menus ............................................................................................................................................. 69

Helpful Tips ..................................................................................................................................... 75

Individual PC Settings for any computer the Accounts platform is to be installed ............................... 76

Set Regional Settings ............................................................................................................................... 76

Option 1: Set for EACH User Profile on EACH PC ................................................................................ 76

Option 2: Change regional setting using a logon script. ..................................................................... 78

Practice Scenarios ............................................................................................................................ 79


SHAZAM Platform Services Loans Documentation Page v ©2015 ITS, Inc. All Rights Reserved

PREFACE

Purpose of Document

This document provides descriptions of Cardinal Software New Accounts Platform training.

Who Should Read This Document

• Cardinal Software New Accounts Users and Administrators

• Persons installing software - read Individual PC Settings for any computer where the Accounts platform is to be installed section.

Document Organization

This document includes:

• Morning Procedures • How to Open a New Account • How to Open a Trust Account • How to Open a Sole Proprietorship Account • How to Retrieve Accounts in Process and Accounts Offline • How to Print and Search for Blank Forms • How to Redeem Bonds • Transferring an Account to Cardinal Compass • Menus • Tips • Individual PC Settings for any computer the Accounts platform is to be installed • Practice Scenarios


SHAZAM Platform Services Loans Documentation Page 1 of 80 ©2015 ITS, Inc. All Rights Reserved

Morning Procedures

Step Action 1 Double-click the Cardinal Compass icon and log in to verify the password has not been

expired or disabled. 2 Verify Cardinal Accounts is NOT open and double-click Defrag Accounts. A Double click the Defrag Accounts icon to re-index and compact the program B A blank gray screen will open and once the re-index procedure is complete, it will

close automatically. You will see a green bar in the bottom left corner showing the status of the procedure. Normally it only takes a few seconds to run. If it delays or goes to a “Not Responding” mode just let it continue to run; it is in the process of fixing an issue

C Note: This tool should be done each morning but can be used anytime during the day should an electrical surge occur or if you should exit the New Accounts Platform abnormally including accidently clicking on the “X”. No data should be lost by using this Defrag Accounts tool.

3 Double-click the Cardinal Accounts icon and log in to receive any parameter changes and open new accounts. It is important to select the correct branch number during this process.

How to Open a New Account

There are two ways to open a new account.

If… Then… Customer knows what general product they are interested in opening.

Click on New Accounts.

Proceed to step 1…“Key the account number.” Customer is not sure if they will open an account today or might be interested in reviewing several choices before making their final selection.

Click on Products Expert.

Proceed to Products Expert section.



New Accounts

Step Action 1 Key Account number (#) or click on Generate Number to retrieve a new account number.

Title Modifier is optional ( i.e. “Special Account”, “Farm Account”, “Girl Scout Account”) This information will not only populate on the signature card, but will also be uploaded to Cardinal Compass under the additional name line. These additional name lines will print on statements.

2 Click on either Consumer Account or Business Account and click OK. The system will check

for duplicate account numbers and notify the user if one is found.

3 If this is a Consumer Account, then use the following table to determine your next step.

Otherwise, continue to step 4…“Complete a search…”



You must reference the MAIN account holder first (the one who will have tax responsibility). It is important for the main to always be first so it populates on the signature card correctly, as well as transfers to Cardinal Compass correctly.

If it is a joint account, the first account holder will be “Main/Primary” and the second account holder would be “Joint”.

If it is a Custodial Account, the first account holder would be the child as they are the main account holder, and the parent would be second with a relationship of Custodian.

If… Then… Individual Determine if this is Custodial, and then click on the Custodial checkbox, if

necessary. Click on if Pay On Death beneficiary option is desired. Trust Click on Trust Account and Revocable, Separate Agreement, Irrevocable,

or Pay On Death. All Other

Accounts Click on Joint With Survivorship, Joint No Survivorship, or Personal Agency Account and proceed to step 4…“Complete a search…”

Sole Proprietorship

Click on Individual and if they are using D.B.A. key the name in the Title Modifier field. Note: Ignore the Sole Proprietorship option under Business category; it will be removed in a future release.

4 Complete a search prior to completing customer information fields.

Always search for existing customers prior to completing the remaining fields, because they may be a signer or beneficiary, etc. and already have a CIS number. The goal is to eliminate duplicate CIS (Customer) records on the CORE.

A Click on Search.

EXAMPLE:



B Enter Last Name or Social Security# and click the search icon. It is always a best practice to search by Social Security/TIN to avoid duplicate CIS records.

If the user keys information for a new customer for the first time and the bank has chosen the OFAC feature, there will be a slight delay while that name is cross referenced to the OFAC list on the local pc.

If… Then… Results are

found Click on the record of the customer whose information you wish to populate into the information fields and click OK.

No Search Results Found

Proceed to step 5…“Key the data directly into the fields.”

5 Key the data directly into the fields.



6 Click on the Alt Address button to add an alternate address for the account holder. To return to the main address, click on the Address button. If the physical address is different than the main address, then select Physical Address from the drop-down list. Notice the label changes once a choice has been made.

Main, Physical and Alternate Addresses appear on the Account Agreement/Signature Card.

7 If the customer does not have a home telephone number and only a cell phone number,

enter the cell phone number in both the Home Phone and Cell Phone (screen 2) fields; as Cardinal’s third party vendors use the Home Phone field as a primary phone field. By entering it in both fields, Cardinal can tell that the Home Phone/primary phone is an actual cell phone number.



8 Click on the drop-down boxes for Relation Code, Class Code, and Mail Code and use the following table to select the correct option.

Field… Options… Relation Code The customer’s relationship to the account (i.e. Primary, Joint, Beneficiary,

etc.) Class Code The class of the customer to the account (i.e. Personal, Non-personal, etc.) Mail Code Determines how to handle statements (I.e. hold at bank).

If Mail Code is left blank, it will mail the statements to the customers and not be held at a bank location.

9 Click in Authorized Signer field to place a check in the box if this account holder is an authorized signer, even if you have selected the relationship code of authorized signer.



10 Click the Screen 2 button to complete any additional fields required by your bank.

11 Key information into required fields designated by your bank, such as employer, occupation,

additional phone numbers, e-mail and other contact information. If a field is required, valid information must be entered in the appropriate field. Select OK to continue to Cardinal Customer Information Codes. To manually access Information Codes, click Info Codes.

12 Review the information code fields and enter any necessary codes as needed. Select OK to

continue.

This screen may not be visible for some users.



13 Use the following table to determine your next step.

If… Then… There are other account

holders on the account Click on New, located at the bottom of the screen. Repeat steps 1 through 9.

The new account holder lives in the same location.

Click on New and search for an existing customer record. If an existing CIS (Customer) record is not available, then use the Copy Last feature to populate the address and phone information from the previous account holder screen.

The user forgot to select New and the account was originally selected to be joint or custodial account

A message will appear stating that a cosigner must be entered. It will bring up another account holder screen to be completed.

All Additional Account Holder information has been added

Click OK. Proceed to step 14…“Verify all information…”



14 Verify all information is correct on the CIS Summary screen. You may edit or enter additional account holders from this screen. It is important to verify the additional name lines on the right side of the screen as they will be transferred to Cardinal Compass and will print on customer statements. Select OK to continue to the Products Expert screen.



Products Expert

Once all account holders have been entered, the Products Expert screen is displayed.

Step Action 1 Click on a Product Category.

2 A list of accounts will appear, click on the appropriate interest category to display a list of

product types.

3 Click on a Product Type to display the features, rates, and other pertinent account

information.

4 Click OK to continue or select Close to enter additional account holder information.



5 There are a variety of tools located at the bottom of the Products Expert screen; however, these are not required to be used during the new account process. Click on any tools:

Tool… Description… View Image This feature is available for those banks who licensed Cardinal Image

Platform.

View images related to the Account# and Type of account (Checking, Savings, CD or Loan.) Once Account# and Type have been selected, Click on View Images to view related images.

Standard

Fees Displays banks fees. This is a visual listing of the standard fee schedule

for the bank.

Button… Action… Print Fees This will print the general fee schedule along with the

product specific fees of the product that is highlighted. Print Std

Fees This will print the standard fee schedule for the bank.

This is also normally selected under the product setup to print automatically with the rest of the final product forms.

Close Closes the Standard Fee window and returns to the main Product Expert screen



TISA (Truth in Savings Act)

A dialog box will open to select the appropriate truth in savings disclosure form to print prior to opening the product.

COMPLIANCE ALERT: Please be advised this WILL NOT print the addendums nor state specific Truth in Savings disclosures. It is strongly advised to wait and print the final forms when opening the accounts.

Button… Action… TISA

Report A customized non Wolters Kluwer Financial Services

(WKFS) form that gives general truth in savings information regarding the account selected.

BSI TSD The WKFS truth in savings disclosure for non-time / exchange accounts

BSI TSD – Exchange

The WKFS truth in savings disclosure for Exchange Time Accounts

Onetime rate “Bump Up’ CD

BSI TSD – Time

The WKFS truth in savings disclosure for Time Accounts (non-exchange)

Cancel Closes the TISA dialog box and returns to the main Product Expert screen

EXAMPLE:



Product Comparison

This tool helps a customer decide what term CD/IRA to open. It calculates the total interest earned at the end of the term. Select the products to compare and click Graph.

Button… Description… Right Arrow Select a product on left side of screen then when the

right arrow is selected it moves it to the right side of the screen to compare only those selected products

Left Arrow Moves the selected product from the right side of the screen to the left side to remove it from the list of products to be compared.

Double left arrow

Moves all selected products from the right side of the screen to the left side to clear all selected products to be compared

Graph Will bring up a graph of the selected products to be compared

Close Closes the product comparison window and returns to the main Product Expert screen



Button… Description… Close Closes the graph and returns the user to the parent

product comparison screen Copy Graph Copies the graph to the Microsoft Windows

clipboard Print Graph Prints the graph to the Microsoft Windows default

printer CSR

Assistant This tool allows the user to log referrals, cross sales and sales, view

features and benefits of the selected product and other products to cross sale. It also allows the CSR to launch Microsoft PowerPoint Presentations that are created and maintained by the bank.

Button… Description… Close Closes the screen and returns to the main Product

Expert Screen. Referrals/ Cross-Sales

Click on the Referrals/ Cross-Sales button on the CSR Assistant screen.

Use the table below to determine the appropriate button to click.

Button… Description… New Create a new referral, cross sale or sale Edit Edit an existing Referral record. Enter the name and

hit and select the record, then select “Edit” Delete Deletes an existing referral record Purge Purges the referral listing Close Closes the Sales Referral dialog and returns the user to

the CSR assistant main menu



When creating a new Referral, Cross Sale, or Sale entry, you will click on the appropriate radio button.

Click the Referral Type drop-down to identify the product the customer

might be interested in opening. This is customized by your bank (i.e. CD). This will auto populate the referral description box (i.e. Certificate of Deposit.)

Button… Description… Referral

Type Select the correct referral type from the drop down

menu. It will populate the description below. New Create another new referral. Close Closes the window and returns to the main referral

window.



Features and Benefits Use this button to review the features and benefits of the product selected.

Other Products

This button lists other possible products to cross sell to the customer.



Presentations Launch one of nine customized Microsoft PowerPoint presentations that your bank maintains to help cross sell your customer.

6 You can access additional tools from the main menu APY (Annual Percentage Yield)

Calculator, Rate Calculator, Product Comparison, Retirement Growth Tool, Future Value Calculator, Present Value Calculator, Check Ordering Interfaces/Risk ID Launches to check ordering and Risk ID websites and passes customer information to those websites for single entry.

Interest calculators can be found under the Tools option.

From the Product Expert screen, the main menu provides Tools, such as Check Ordering, which require the bank to have contracts with these companies. We will pass customer information previously provided to the check ordering companies. The Credit Report icon provides a link to their websites only as a convenience.



Tool… Description… Product

Comparison

This is a great tool to help a customer decide what term CD to open. It calculates the total interest earned at the end of the term (This tool is also available at the bottom of the Product Expert Screen.)

Button… Description… Right

Arrow Select a product on left side of screen then when the

right arrow is selected it moves it to the right side of the screen to compare only those selected products

Left Arrow

Moves the selected product from the right side of the screen to the left side to remove it from the list of products to be compared.

Double left arrow

Moves all selected products from the right side of the screen to the left side to clear all selected products to be compared

Graph Will bring up a graph of the selected products to be compared

Close Closes the product comparison window and returns to the main Product Expert screen



Button… Description… Close Closes the graph and returns the user to the parent

product comparison screen Copy Graph Copies the graph to the Microsoft Windows

clipboard Print Graph Prints the graph to the Microsoft Windows default

printer



Calculate

APY This feature will calculate the APY (annual percentage yield), Interest and Future Values for up to three different scenarios. It allows comparison of internal and external products.

Button… Action… Calculate Calculates the APY, Interest and Future Value. Clear Clears all the values of that particular case. Close Closes the APY calculator tool and returns the user

to the Product Expert screen.



Rate This tool calculates the interest rate from an APY (Annual Percentage Yield). This tool can be used to compare or match competitor rates.

Button… Action… APY Enter the advertised Annual Percentage Yield. Compounding

Period Select the compounding period from the drop

down list (i.e. Monthly, Quarterly, etc.). Interest Rate The interest rate will be calculated from the

information entered above.

Retirement Growth



Button… Action… Initial

Contribution The original deposit amount

Contributions The amount and frequency of deposits that will be made into the account

Interest Rate The interest rate (not APY) on the account Age The initial age of the customer Clear This will clear all entered information Print This will bring up a full page document that shows

the contributions info and tables. Select the print icon to print this contribution table.

Graph Graphically displays the contribution growth (this is printable).



Calculate Future Value This tool calculates the future value of a deposit which is made with consistent intervals. This is helpful for customers who need to reach a specific goal.

A customer has been denied a loan because they did not have enough of a down payment.

This tool can be used to determine how much they need to deposit and the necessary time frame to reach their goal.

EXAMPLE:



Button… Action… Present Value Enter the amount of the original deposit. Interest Rate Enter the amount of the original interest rate (not

APY). Deposit

Frequency Select the frequency deposits will be made to the

account. Number of

Months Enter the amount of months deposits will be made

to the account. Deposit

Amount Enter the deposit amount to be made each

(month, year, etc.) to the account. Deposit

Amount At Select if the deposits will be made at the beginning

or end of each period (month, etc.) Future Value The future value of the original deposit will be

displayed once Calculate Now is selected. Calculate Now Select this to display the future value of the

account. Close Returns to the main Product Expert Screen.



Calculate Present Value This calculates the present value of an annuity.

Button… Action… Future Value Enter the future value of the annuity Interest Rate Enter the interest rate (not the APY) Payment Frequency Select the appropriate payment frequency Number of Months Enter the number of months Payment Amount Enter the payment amount per period Payment At Select the payment to be at the beginning or

end of the period Present Value Will be calculated once the Calculate Now

option is selected Calculate Now Select this to calculate the present value of

the annuity Close Returns the user to the main Product Expert

screen OFAC

Search

The Office of Foreign Assets Control (OFAC) is an agency of the United States Department of the Treasury under the auspices of the Under Secretary of the Treasury for Terrorism and Financial Intelligence. The Specially Designated Nationals (SDN) List is a publication of OFAC, which lists individuals and organizations with whom United States citizens and permanent residents are prohibited from doing business. This tool searches the SDN list to determine if an account should be opened.



Field… Action… Search String Enter the last name and first name of the

individual to be checked. Individual

Dropdown Select either Individual or Business.

All names/ words in any order

Your options are: ∗ Exact Match ∗ All names/words in specified order ∗ All names/words in any order ∗ Any names/words listed

This is used to key the last and first name or company name of the customer who wants to open the account.

Binocular icon/ Find button

Select the Binoculars or select the “Find” button to begin search. Results will appear in the middle of the screen.

Credit Report

This option is used to launch a website of a credit reporting agency only. This information will NOT populate from the Account Holders screen.



Button… Action… Globe Launches an internet browser and navigates to the

credit reporting agency’s website. Close Will return the user to the main Product Expert screen.

7 Once you have finished using these tools, click OK on the Product Expert screen. 8 Key the amount of the deposit into the Amount field and source of funds into Source.



9 Uncheck the New field if the money is not new to the bank. This will display the sources of funds in the source list.

Click the icon to add additional funds to the deposit amount and complete the Amount, New and Source fields as described in prior steps.

10 Verify all funds under the Total Deposits button and click OK to continue. 11 On the New Account Codes screen, review product CORE vendor codes and click OK. This

screen may not appear if your bank has hard coded all the values at the parameter level.

12 Print the forms needed. When the Print Forms screen displays, it presents the forms the

bank has selected for the product opened. The far right of the list shows whether the form is required to be printed for this product or if it optional.

∗ Y indicates the form is required ∗ O is optional.



Button… Description… Print All Select to ensure all required forms are printed. This will print all forms

marked with Y. Each form will be brought up individually for review, modification and printing (click on the icon at the top of the form window.)

PRINT ALL (no review)

Select to print all required forms without reviewing each document

Print The PRINT option will only open the form that is highlighted for review, modification and printing.

If… Then… A form

needs modified

Data may be modified on any form that is in a red box. Click in the box and type the new information.

If a name or any information that has been keyed to this point needs to be modified, changes should be made at the entry point and not on the form. Click Close at the bottom of each page until the screen for modification is available.

The reason data should be changed on the entry screens is so data will be correct when the account is passed to Cardinal Compass. If information is changed directly on the form, it will NOT be changed in the Cardinal Compass. When changes are made on a form, it is only changed on that one form and needs to be printed prior to closing the document. Once the form is closed it will remove all manually typed changes.

Click OK to each screen until the print forms page is returned and reprint the form.

To reprint a form, select the form individually and click Print at the bottom of the screen.

Proceed to “Double-click on the Form ID…”



Does NOT need modified

Proceed to “Double-click on the Form ID…”

Double - click on the Form ID of any optional form to print it.

If a form is needed that is not listed, select Show All Forms and it will bring up all the forms in the bank’s forms library. Any data that has been keyed in the entry screens will populate on the forms from this utility unlike our Print Blank forms feature.

Once the form appears, click the print icon in the top left corner. Once all forms have been printed, click OK.

13 Once the Process Account screen appears, select one of the following:

∗ Yes If the new account is complete and ready to be processed to the core. ∗ No If the new account is not complete and is not ready to be processed to the

Cardinal Compass. It will be sent to our “In Process “account selection to be reviewed at a later time for printing or completion.

∗ Cancel To return to the previous screen. 14 The application will return to the beginning, where you can:

∗ Enter another account for the same customer. ∗ Click Next Customer to clear the current customer’s information and start fresh with

the next new customer account.



How to Open a Trust Account

Step Action 1 Key the Account number (#).

Title Modifier is optional.

2 Click on Trust Account, one of the following types, and OK.

∗ Revocable ∗ Separate Agreement ∗ Irrevocable ∗ Pay On Death



3 Enter full name of the trust in the Last Name Field. The first Account Holder will be the trust and the second account holder will be the trustee.

4 Click drop-downs to select bank specific Relationship, Class and Mail Codes for Account

holder(s) and Beneficiaries and then click OK to return to the Customer Information screen.



5 Type “, TRUSTEE” beside the trustee’s name in the Additional Name Line 1 field if you desire for it to appear on the additional name line of the account agreement and the statements.

6 Click OK to close the Customer Information screen.

7 Complete the Products Expert screen.



8 Complete Deposit Information.

If necessary, you may modify any field from the default setup. If an Interest rate or Date of issue needs to be changed, modify it directly on this screen.

∗ Entering a rate will automatically calculate the APY. ∗ Changing an issue date will automatically calculate the maturity date. Select

how interest is to be paid from the drop down list. Only use the top 3 options.



Rep Payee Account

A Representative Payee account must be entered as noted within this document for it to complete the Signature card and properly go to Compass.

Step Action 1 Key an account into the Account# field. 2 Click on Consumer Account type. 3 Click on the Individual account type. 4 Click OK.

5 Enter all account holder customer record information into the Personal section fields on

Screen 1 and Screen 2 for the owner of the account.



6 Key the main address of the account holder in the Contact section.

This defaults to Address

7 Click on the Relationship Code field and select Primary Owner.

This code is customizable and may differ from the example.

8 Click the Class Code field and select Individual.


9 Create an alternate address to enable the mail to go to the Representative Payee’s address. A Click on Address Type drop-down and select Alternate Address. B Key the address of the Representative Payee.

The alternate address must be added for both the Signature card and Cardinal Compass to be correct.



10 Click OK.

11 Click Add under the Account Holder(s) section to add the Representative Payee Customer

Record.

12 Enter all account holder customer record information on Screen 1 and Screen 2 for the

Representative Payee.



13 Click on the Relationship Code field and select Social Security Rep Payee.


14 Click the Class Code field and select Non-Personal.


15 Click OK to close the Cardinal Customer Information Codes screen.

This screen may not be visible by banks that have predefined hidden fields.



16 Add C/O and REPRESENTATIVE PAYEE to Additional Name Line 1.





Personal Agency Account

A Personal Agency account must be entered as below for it to complete the signature card and go to Cardinal Compass correctly.

Step Action 1 Key an account into the Account# field. 2 Click on Consumer Account type. 3 Click on the Personal Agency account type. 4 Click OK.

5 Enter all primary owner customer record information into the Personal section fields on

Screen 1 and Screen 2 for the owner of the account.



6 Key the main address of the primary owner into the Contact section.

This defaults to Address

7 Click on the Relationship Code field and select Primary Owner.


8 Click the Class Code field and select Personal/Individual.


9 Use the following table to determine the next step. If Statements Are Going To… Then… Personal Agency address only

and NOT the account holder Click the Address Type drop-down select alternate address.

Key the Personal Agency address. Click OK. Proceed to step 10…“Click to close…” Personal Agency address and

the account holder Do NOT create an alternate address. Click OK.

Proceed to step 10…“Click to close…”



10 Click OK to close Cosigner message.

11 Enter all account holder customer record information on Screen 1 and Screen 2 for the

Personal Agency customer record. When entering a business name, enter it fully in the last name field.

12 Click on the Relationship Code field and select Agent. 13 Click the Class Code field, select Non-Personal and click OK.




14 Click OK. Signature Card should fill out correctly without modification of the Additional Name Line, unless they want to key the actual representative of the agency.





How to Open a Sole Proprietorship

Step Action 1 Key the Account number (#).

Title Modifier is optional. However, if the Sole Proprietorship has a D.B.A., enter it in the Title Modifier Field.

2 Click on Consumer Account then Individual, and OK.

Ignore the Sole Proprietorship option under the Business Account Category (This will be removed in a future release.)



3 Enter the customer information.

4 Enter bank specific Relationship, Class and Mail Codes for Account holder and click OK.



5 Complete Products Expert screen.

6 Complete Deposit Information.

Use this screen to make any changes to the default setup field values. If an Interest rate or Date of issue needs to be changed, modify it directly on this screen.

∗ Entering a rate will automatically calculate the APY. ∗ Changing an issue date will automatically calculate the maturity date. Select how

interest is to be paid from the drop down list. Only use the top 3 options.



7 Print forms and save.

Be sure to change the owndership box from “Individual” to “Sole Proprietorship” on the Signature Card

Accounts in Process and Accounts Offline

Use the following steps to retrieve an account back from In Process or Off Line mode.

Step Action 1 From Active Accounts, click on Accounts In Process or Accounts Off Line.

If… Then… You need to review or complete accounts in process and not yet uploaded to the server.

Select Accounts In Process.

If the user either selected “YES” or “NO” to the “Process Account” screen after printing forms in the New Accounts Platform and before it is transferred to Cardinal Compass.

You need to retrieve an account held on the local pc that has not been completed or sent to the server.

Select Accounts Off Line

2 Use the following table to determine your next step:

Button… Description… Yes The account is complete and is ready to be transferred to Cardinal

Compass. No The account is not complete and not ready to send to Cardinal Compass,

this will return the account to In Process

EXAMPLE:



Cancel Returns the user to the previous screen 3 Search for Account in Process.

A Key the customer’s account number or last name in the Search Criteria field. B Click the binoculars to initiate the search. C Click to highlight the Name of an account from the list.

An account with a Status of:

• INTERFACED – indicates that the account is complete and is waiting in the interface for the account to be transferred to Cardinal Compass.

• IN PROCESS – means the account is not complete and is available to be edited and then sent as completed.

The account will no longer show in the Accounts In Process Search window once an account has been transferred out of the interface to Cardinal Compass.

4 Use the following table to determine your next step. If… Then… You need to make field changes

and/or send account as complete. Click OK to make changes.

You need to reprint forms and/or send account as complete.

Click Print Forms to reprint forms. Click Close.



5 Once the account is retrieved from In Process or Offline it will bring you to the following screen. Select OK to continue.

6 You should receive one of the following messages: If… Then… Duplicate Account Number in Cardinal Compass

Vendor File

• Select yes when the name matches an existing account you are updating.

• Select no when you are

opening a new account.

Duplicate Account Number in Accounts File

• Select yes when you just pulled it out of In Process and the name matches for whom you are opening the account.

• Select No when it is not the

same person.

7 Continue to review and make any changes as necessary and print your forms.



8 Use the following table to determine your next step:

Button… Description… Yes The account is complete and is ready to be transferred to Cardinal

Compass. No The account is not complete and not ready to send to Cardinal Compass,

this will return the account to In Process Cancel Returns the user to the previous screen



Printing Forms

How to Print Blank Forms from the Cardinal New Accounts Platform

Step Action 1 Select the Reports tab from Welcome to Cardinal Accounts screen, click on Forms Reports

and select Print Blank Forms.

The entire Wolters Kluwer Financial Services forms that your bank has licensed including any custom forms will appear in this list. The forms are defaulted to sort by Form ID.



2 Search for a specific form. If you know the form ID (located in the bottom left corner of the form itself) you can search by Form ID, if you don’t know you can search by Description, which will search all form descriptions for your criteria.

A Enter a partial description in the Look For field. B Click Look In / Sort On drop-down, and click Description. C Click the Filter button or press [Enter] to filter for only those forms described in the

Look For field.

Less is more: Leave off suffix on words for more accurate searches.

3 Click on the Form ID of the form to print.



4 Once your form appears, you can make your changes. Anything in a red box can be changed or modified; just type directly into the red boxes. Select the printer icon to print your document before you close it using the folder icon.

Just a reminder that these forms are COMPLETLEY blank; NO bank, branch or customer information will populate.

Please print the document before you close it. Once it is closed, it will lose all manually typed information.

How to Print Forms for a Product

Locate Forms to Print

There are two methods to locate the forms to print.

1. Once you have entered information into all fields used to open a new account, it will display your form selection screen.

2. From the Accounts in Process Search screen, highlight a desired account and click Print Forms.

This will display forms related to the product.

The following buttons are available:



Button… Description… Show All Forms This will display the Forms Library. Print All This will open each form for review, modification and printing of required forms

and then sends them to the printer. Print All (no Review)

Sends all required forms based on default settings to the printer without reviewing them on the screen.

Print This will open a single selected form for review modification and printing. Printed Forms Displays date, time and form descriptions for all the forms printed for this account. Product Forms This will return the user to final product forms screen Search This button will appear once Show All Forms button has been clicked. This allows

the user to search for a form by Form ID or Description. OK Moves to the Final In Process/Completed screen Close Returns the user to the deposit information screen

Search for Form

It may be necessary to search for a form if it is not displayed in the list of Print Product Forms.

Step Action 1 Click on Show All Forms button.

2 Click Search button.



3 Click the drop-down for the Look In/Sort On field and click on Form ID or Description.

4 Key search criteria into the Look For field and click on Filter.

Field… Description… Look For Enter the Form ID or partial description of the form Look In/Sort On Select whether the search is by Form ID or Description Filter Select Filter to perform the search



Print a Single Form Step Action

1 Highlight the form to print and click Print.

2 Once the form appears, edit the form.

3 Select the print icon at the top left of the screen.



Printed Forms Step Action

1 To review which forms have been printed for this active account, click on Printed Forms button.

This is may be used by banks that need to prove to auditors which forms have been printed.

2 Click to highlight a Form Name.

3 Click Print Report.



How to Redeem a Bond or Find Redemption Values in the Cardinal New Accounts Platform

Step Action 1 From the Calculators section of the Welcome to Cardinal Accounts screen, select Bond

Calculations and click on Redeem Bonds.

2 Search for an existing customer or enter non-customer information.

If… Then… Searching for Existing

Customer Record Click the Name Search button.

Key the Social Security Number or Name of customer and click the binoculars icon. Once a customer list appears, you will select the customer.

Enter Non-Customer

information Key their name, address, city, state and zip code information to print on the substitute 1099.

After bonds are redeemed you will need to create a CIS customer record in core. There is a non-customer option as part of the CIS setup.

3 Once the window is complete, click OK to continue or Close to exit the redemption program.



4 Locate the bond record.

A Use the actual bond to select the series, issue month and issue year.

The program will default the redemption month and year to the current values.

B Click drop-down for Issue Value and select the value. If… Then… There is one bond. Click Add Record to move the value to the center of the

screen. There are duplicate

bonds with the exact same series, issue month and issue value.

Click Add Record to move the value to the center of the screen.

Click on Repeat to populate the values. These fields may be edited, if necessary.

Click Add Record to move the value to the center of the screen.

There are additional bonds (non-duplicate).

Once the first bond has been added to the table located in the middle of the screen, enter the additional bond information, at the top of the screen, and select Add Record after each new record.



C Verify information If… Then… There is a

mistake Select the bond record that is wrong and click Edit to either edit any piece or delete the entire record.

Click Update Record to edit or Delete Record to remove the record.

Proceed to step 5…“Print the Redemption.” No Mistake Proceed to step 5…“Print the Redemption.”

5 Press Print Page to print a screen shot of the redemption screen or click Print All to print a report, which shows the individual values and totals of all the records. This is used when a customer is not redeeming bonds, but they just want the value of the bonds.



If… Then… Redeeming

Bonds When finished collecting the values, select Quit. A 1099 Interest Form (see below) will appear.

Example of the substitute 1099

Print 2 copies (one copy for the customer and one copy for the bank). Not Redeeming

Bonds When finished with collecting the values, select Quit. A 1099 Interest Form will appear (see the Example of the substitute 1099 above.)

Key 0 into Enter number of copies for this report and click OK. Another message appears indicating the record will not be sent to the server.



Press Yes button to confirm you do not want to print a 1099.

Transferring an Account to Cardinal Compass

Step Action 1 From the Deposit Input Menu, Select Platform Menu.

Your menu and menu options are customizable and may not reflect the same menu options as listed below.

2 Key 1 in the selection box to select the Deposit Interface.

When transferring a loan account, key 11 in the selection box.



3 Key branch number and press [Enter] to view just one branch (example: 001) or press [Enter] on the keyboard to select all branches.

4 Click to highlight the account to transfer and click Transfer. The following screen will be

different based upon the CIS information retrieved.

The type of account is at the far right side if more than one account was opened for a customer.

CHNI = Checking Non Interest Account; CDFI = CD Fixed Interest, etc.

If… Then… The customer

had an existing CIS and the user used the search feature and pulled them into the platform.

If you do NOT want to update CIS information, press [Enter] on the keyboard or OK on left side of the screen; otherwise, click No to Yes to maintenance the CIS.

EXAMPLE:



You chose to update the CIS or the customer was new

Verify and update as necessary.

∗ Click OK or press [Enter] once you have verified necessary fields on each screen.

∗ Use the Additional Options drop down list to add Messages at the CIS level or add Additional Short Names, etc.

Use the OK button to move between the different tabs of the customer screens to verify each screen tab as correct.

You entered a

new customer and the system finds a duplicate social security / TIN #

Select New to create a new CIS with a duplicate social security number or select the Existing CIS to use the CIS that is currently on the core system.

To make your selection, key 1 in the box beside your choice.

Most banks always keep the existing CIS and manually maintenance the CIS records should you need to with more current information once the account has been completely interfaced.



Once CIS information for all persons on the account is complete, the following screen appears.

Verify the names in the Additional Names box, edit if necessary. Verify the Relationships on the account and if the relationships need to

be changed:

1. Highlight the person you wish to change and select Change. 2. Review the relationship code. Select Prompt if needed to view a

list of relationship codes for selection.

3. Key the new relationship code and press [Enter] on the keyboard. 4. Once Account information is correct, select Transfer to CORE or

press [F5].



7 Verify the product code is correct and press [Enter]. When it is necessary to change the product code or identify the associated description, click on Prompt to review or select a different product code.

8 Verify each page’s information is correct and press OK or [Enter] on the keyboard to move between screens. These screens will be different depending on what type of account is being transferred. Once all screens have been verified, look for a message at the bottom of the last page indicating the Account has been added. Once this message displays, click on Additional Options to enter account level messages, codes, etc., if necessary.

9 Press [F3] back through all the screens to exit the Platform Account Transfer program.



Menus

Accounts

Menu Menu Option Description New Accounts

New Accounts

Used to open a new account starting with the account number and customer information

Products Expert

Used to review different products with a customer. If the customer decides to open the account, the product will be selected prior to entering the account number and customer information.

Active Accounts

Accounts In Process

Used to retrieve an account held in the platform library on the server that has not been transferred to the Cardinal Compass.

Accounts Offline

Used to retrieve an account held in the local database on the pc that has not been transferred to the Cardinal Compass.

FI Tools Referrals / Cross Sales

Allows the user to log the type of referral entry: Referral, Cross Sale or Sale. Reporting is done via the Cardinal Accounts Report Menu Option. Parameters can be set up to track not only the referral, but also to track monetary amounts tied to the different tiers of Referral, Cross Sale and Sale. This feature is also tied to the Cardinal Teller Platform.

Competitive Bank Rates

This tool allows the user to compare their bank rates against their competitors. In the parameter menu, your bank does have the option of “hiding” significantly higher competitor rates.

Product Comparisons

Allows the user to enter a deposit amount and select various products to compare the amount earned at the end of the term.

Calculators Calculate (See Tools under the Product Expert chapter for detailed information)

APY Allows up to three comparison scenarios by entering rates and compounding periods to calculate the APY. By entering the Deposit and Term the Interest and Future Values will also be calculated

Rate Allows the user to enter an APY and Compounding Period to calculate the Interest Rate.

Retirement Growth

Allows the user to enter the initial contribution, incremental contributions, rate and age to create a visual and printable contribution table as well as a contribution graph.

Future Value

Allows the user to enter present value, interest rate, deposit frequency, number of contribution months and amount to calculate a Future Value amount.



Present Value

Normally used with annuities, allows the user to enter the future value, interest rate, payment frequency, number of months and payment account to calculate the Present Value.

Bond Rates Allows the user to calculate bond redemption values including printing a detailed redemption value sheet or a substitute 1099; view the current bond redemption rate table, view yearly bonds that have been redeemed at the bank, print a single yearly 1099, reset the 1099 table and import new bond rates. Note: The bank is responsible and must manually maintain and update this table.

Cardinal Images

View Images/ Scan Images

Allows the user to view and scan images connected to the Cardinal Images Platform.

OFAC / SDN List

Search List/ Import List/ Print List

Allows the user to Search, Import and Print the OFAC list. Note: The bank is responsible and must manually maintain and update this table.

File Setup

Menu Menu Option Description File Setup

(Must have

security access to view all options

under this menu)

Master Files Bank Master File

Contains bank information used to populate forms as well connection information to the Cardinal server’s bank databases. Also where automatic generate account numbers and credit reporting URL is held.

Branch Master File

Contains branch information used to populate forms.

Branch Control File

Contains branch specific information relating to OFAC search, forms, tools and file locations as well as custom user fields.

Parameter Files

Product Types

Contains detailed information on all products that are available to be opened in the Cardinal New Accounts Platform including fields to populate forms, rates, as well as fields used when a new account is sent from the Cardinal New Accounts Platform to populate the Cardinal Compass system.

Deposit Source

Contains where the funds being deposited came from when opening a new account.

Officer File Contains which officer is assigned to the account



when the new account is transferred to the Cardinal Compass system.

Referral Setup

Contains referral types, descriptions and amounts of referrals, cross sales and sales.

Statement Cycle

Contains statement cycles used in the New Account opening process.

Variable Index

Contains any variable indexes that are tied to products used in the New Account opening process.

Fee Frequencies

Contains frequencies that are used in conjunction with the Standard Fee table.

Standard Fees

Contains bank fees that are viewed and disclosed during the New Account opening process.

User Defined Codes

Contains fields that can be selected during the new Account opening process to track customized information. Example: Marketing: How did the customer hear about opening the account?

Zip Codes Contains city, county and zip codes, allowing the user to enter a zip code and it populate the city; saving the user time in data entry.

Maintain Cardinal Compass Vendor Codes

Allows the user to import, view and maintain product and customer codes from the Cardinal core.

Supervisor Setup

User Setup Allows the user to setup security access for each user as well as which officer they are tied to

Our Bank Rates

Allows the user to view or manually update the bank rates. Note: If a product is tied to a core base rate, the rates are automatically updated each time the user logs in. To override this automatic update, remove the base rate code under the Product in the Product Types area.

Competitor Banks

Allows the user to enter Competitor banks to track their rates in the Competitor Bank Rates utility

Competitor Bank Rates

Allows the user to enter and manually maintain their competitor bank rates. It also allows them to hide competitor rates that may be significantly higher.

Required Customer Fields

Allows specific customer fields to be required for various persons on an account. Requirements can be different for each type of account holder: Example: Owner, Trust, Business, Custodian, Custodial Account Holder, and Beneficiary. This is also where specific customer core codes can be assigned and locked, hidden or changed.



Set Default Value for Printed Forms

Allows specific fields on forms to be defaulted with information. Note: When adding default values to forms, these will populate regardless of product. Also, some fields are not available for default and/or can be overwritten with programmable information such as bank information.

Parameter File Control

Allows user to send and receive updated parameter information to or from the platform library on the server.

Parameter Audit Report

Displays and prints the last user date and time information regarding parameter changes that were sent to the platform library.

Upgrade Management

Tool that is currently not being utilized at this time. In the past it was used to distribute upgrades to all machines from a bank server. This is being redesigned at this time.

Purge Accounts in Process

Purges Records of new accounts that are stored in the platform library on the server but not yet transferred to the Cardinal Compass.

Purge Accounts Completed

Purges Records during a certain time frame of new accounts that were completed in the New Accounts Platform and sent to the server to be transferred to the Cardinal Compass.

Reports

Menu Menu Option Description Forms Reports

Compliance Forms Setup

Location on the local drive where the form templates are stored.

Forms Printed Report

Allows the user to print a report that shows which forms were printed by Account Number, Form Description, Date, Time or Form ID.

Print Blank Forms

Allows the user to select any form that is found in their forms library and type on that form in the red field boxes. Note: No data will populate or save on the forms. The user can search by form ID or description, view, type and print these forms.

Print Forms by Account

This report will display all forms and quantity of forms for each product and display which forms are required and which are



Product optional. Sales Referral Report

Three reports can be selected from this menu option. Individual Incentive Report, Summary Incentive Report and Detailed Report. The user can select Referral, Cross Sale and/or Sale information as well as date range, branches, officer codes or user ID.

Reports by Account Status

Print Accounts In Process

This will display/print all Accounts that are held in the platform library with the status of In Process that have not been transferred to the Cardinal Compass. This report can also select just specific custom user fields criteria and OFAC results and dates.

Print Accounts Completed

This will display/print all Accounts that are held in the platform library that were selected to be transferred to the Cardinal Compass. This report can also select just specific custom user fields criteria and OFAC results and dates.

Print Accounts Complete Money Source

This will display/print all Accounts that are held in the platform library that were selected to be transferred to the Cardinal Compass showing where the source of funds came from when opening the accounts. Search criteria include date range, branch number, product code, officer code, user ID, detailed or summary and sorted by Product or source.

Delayed Availability

Delayed Availability of Funds Case by Case

This will display a Cardinal custom Delayed Availability of Funds Case by Case form.

Delayed Avail Funds Safeguard Exception

This will display a Cardinal custom Delayed Availability of Funds Safeguard exception form.

Rates Reports

Bond Rates Report

This will display/print the current bond rates

Our Bank Rates

This will display/print the bank rates offered via the New Accounts Platform.

Our Branch Rates

This will display/print branch level rates offered via the New Accounts Platform.



Utilities

Menu Menu Option Description Server Disconnect

from Server This will disconnect the New Accounts Platform from the Cardinal Compass and Platform libraries

Reconnect to Server

This will reconnect the New Accounts Platform to the Cardinal Compass and Platform Libraries

Logon as Different User

This will allow a user to logon with different credentials without closing and re-launching the New Accounts Platform.

Connect to Cardinal

Connect to Cardinal Support

Used for support purposes. A Cardinal Support Team member will supply a meeting code to enter so Support can view your screen one time. If help is needed at a later time a new number will be issued by Support for the user to enter.

Connect to Cardinal Secure FTP

Used for support purposes. A Cardinal Support Team member will supply a User ID and Password to download or upload files to this site. There are also training materials available on this site.

Calculator This will launch the Microsoft Windows Calculator Walk Away This will lock the New Accounts Platform, requiring the user to rekey

their User ID and Password to resume use of the platform. Vendors

These menu options are only displayed if set up in the Parameters. Menu Menu Option Description

Clarke Check Order We interface to Clarke Checks, Harland Checks, Deluxe Checks and Check Printers check ordering websites. Note: These menu options are only displayed if setup in the Parameters.

Harland Check Ordering

Deluxe Check Ordering

Check Printers Check Ordering

Efunds These options are interfaced via Harland.

ChexSystems

Risk ID Risk ID is interfaced via Wolters Kluwer Financial Services.



Helpful Tips

Tip Description 1 Remember you must hit the server within the new accounts platform at least once every

half hour to stay connected to the server. If you don’t, it will fall into offline mode. You can still print your forms and take care of your customers but you won’t be able to do a name search or upload the account to the server

2 Be sure to verify you have selected the correct relationship codes before selecting Yes to send the account as complete.

3 Please make sure to do a search for existing customers before keying the person directly into the system. This will save you time as well as not having to combine CIS records once the upload is complete.

4 If you do have a duplicate CIS when uploading the account, select OK to the message of a duplicate TIN number and then the existing CIS and manually maintenance the CIS record once the account has been completely transferred.

5 Always verify the signature card and make any changes directly on the card. If the change is anything you have already keyed (name, address, etc.), then please go back to the account holder screen by selecting Close until you reach the screen to edit those items directly into the Account Holder Screen. Any changes you make on your forms will NOT upload to the Cardinal Compass when you pass the account. Once you change items on the form, it is just as if you are typing on a typewriter, independent of what will be sent to the Cardinal Compass

6 When it is time to upload the account off your core menu screen, please refer to the printed directions given at the new accounts training session for screen by screen prints and directions. If you see a field that is incorrect, you can make changes directly on the screen as it is being passed to the core. Once the account has been added, it is immediately available for inquiry.

7 Maintenance an account directly on the core. You will not do any maintenance in the New Accounts Platform. You are welcome to print a form like a signature card through the new accounts platform but you will NOT upload the account through the platform.

8 Safe Deposit Boxes will be keyed directly on the core and will not be uploaded through the platform. Again, you are welcome to use the Safe Deposit Box Lease form, but all entry and maintenance will be done on the Cardinal Compass software.



Individual PC Settings for any computer the Accounts platform is to be installed

Set Regional Settings

Option 1: Set for EACH User Profile on EACH PC

Step Action 1 Click START > CONTROL PANEL and locate the REGIONAL SETTINGS icon, and double-click

the icon. 2 Select the NUMBERS tab at the top of the Customize Regional Options window. 3 Find the LIST SEPARATER field and key a SEMICOLON (;) as the value

It will not be available in the drop-down list.



4 Select the TIME tab at the top of the Regional Settings window

5 Change the TIME format to hh:mm:ss:tt 6 Select the DATE tab at the top of the Regional Settings window

7 Change the CALENDAR year to 2014. 8 Change the SHORT date format to MM/DD/YYYY. 9 Select the APPLY button then click the OK button to exit.



Option 2: Change regional setting using a logon script. 1. Copy the following into a text file and save it as regional_settings.reg

Windows Registry Editor Version 5.00 [HKEY_CURRENT_USER\Control Panel\International] "iCountry"="1" "iCurrDigits"="2" "iCurrency"="0" "iDate"="0" "iDigits"="2" "iLZero"="1" "iMeasure"="1" "iNegCurr"="0" "iTime"="0" "iTLZero"="0" "Locale"="00000409" "s1159"="AM" "s2359"="PM" "sCountry"="United States" "sCurrency"="$" "sDate"="/" "sDecimal"="." "sLanguage"="ENU" "sList"=";" "sLongDate"="dddd, MMMM dd, yyyy" "sShortDate"="MM/dd/yyyy" "sThousand"="," "sTime"=":" "sTimeFormat"="hh:mm:ss tt" "iTimePrefix"="0" "sMonDecimalSep"="." "sMonThousandSep"="," "iNegNumber"="1" "sNativeDigits"="0123456789" "NumShape"="1" "iCalendarType"="1" "iFirstDayOfWeek"="6" "iFirstWeekOfYear"="0" "sGrouping"="3;0" "sMonGrouping"="3;0" "sPositiveSign"="" "sNegativeSign"="-" [HKEY_CURRENT_USER\Control Panel\International\Calendars\TwoDigitYearMax] "1"="2014" "10"="2014" "11"="2014" "12"="2014" "2"="2014" "9"="2014"

2. Execute this command at user logon: regedit /s <path to regional_settings.reg>\regional_settings.reg



Practice Scenarios

Scenario 1: Open an individual checking account

John Doe 100 Cardinal Street Austin, TX 12345 (777) 777-7777

Scenario 2: Open a joint with survivorship CD


Jane Doe 100 Cardinal Street Austin, TX 12345 (777) 777-7777

Scenario 3: Open a minor custodial savings account

Custodian: Jane Doe 100 Cardinal Street Austin, TX 12345 (777) 777-7777

Child: Jason Doe 100 Cardinal Street Austin, TX 12345 (777) 777-7777

Scenario 4: Open an IRA: John Doe 100 Cardinal Street Austin, TX 12345 (777) 777-7777

Beneficiaries: Jason Doe 100 Cardinal Street Austin, TX 12345 (777) 777-7777 50% Allocation

Judy Doe 100 Cardinal Street Austin, TX 12345 (777) 777-7777 50% Allocation

Scenario 5: Open a corporate checking account for a corporation

Doe Car Sales 100 Cardinal Street Austin, TX 12345 (777) 777-7777

Signers: John Doe, President 100 Cardinal Street Austin, TX 12345 (777) 777-7777

Jane Doe, Vice President 100 Cardinal Street Austin, TX 12345 (777) 777-7777

Jackson Doe, CFO 100 Cardinal Street Austin, TX 12345 (777) 777-7777



Scenario 6: Open a checking account for a sole proprietorship using a Social Security Number

Doing business as Doe Computer Repair John Doe 100 Cardinal Street Austin, TX 12345 (777) 777-7777

Scenario 7: He will be in around the lunch hour to sign papers. Save account “In Process”.

Scenario 8: Redeem a Bond


Scenario 9: Print a blank signature card

Scenario 10: Transfer an account to core (Reference pages 23-29 for details if necessary)

Note: YOU MAY ONLY PRACTICE THIS IF YOU HAVE AUTHORITY

Documents

SHAZAM Platform Services · • Transferring an Account to Cardinal Compass • Menus • Tips • Individual PC Settings for any computer the Accounts platform is to be installed