UM Customer Information System V12.0

INTEGRATED COMPUTERIZED BANKING SYSTEM

Users Guide

Customers Information System

By BML Istisharat Sal

September, 2013 Ref: ICBS/UM/CustInf-12.0

BML Istisharat Sal Customers Information System I.C.B.S.

Users Guide Page : 2

TABLE OF CONTENTS

PAGE

1.

INTRODUCTION 5

2.

BANK ACCOUNTS OPENING SEQUENCES 6

3.

INDIVIDUAL PERSONS MANAGEMENT 7

3.1. INDIVIDUALS FUNCTION 7 3.2. CONSULTING, UPDATING AND DELETING INDIVIDUAL

PERSON 23 3.3. MAKER CHECKER CONCEPT 24 3.4. INDIVIDUAL REPORTS 27

4.

CORPORATE MANAGEMENT 29

4.1. CORPORATE FUNCTION 29 4.2. CONSULT, UPDATE AND DELETE CORPORATE

43 4.3. MAKER CHECKER CONCEPT 43 4.4. CORPORATE REPORTS 46

5.

CUSTOMERS MANAGEMENT 48

5.1. CUSTOMERS FUNCTION 48 5.2. CONSULT, UPDATE AND DELETE CUSTOMERS

65 5.3. MAKER CHECKER CONCEPT 65 5.4. UPDATE CUSTOMER ADDRESSES 68 5.5. CUSTOMERS REPORTS 68

6.

CLIENT ACCOUNTS MANAGEMENT 72

6.1. CLIENTS ACCOUNTS FUNCTION 73 6.2. CONSULT, UPDATE AND DELETE CLIENT S ACCOUNT

86 6.3. MAKER CHECKER CONCEPT 87 6.4. PIN MAILER, PASSBOOK OR ACCOUNT CARD DELIVERY 90 6.5. CARD DELIVERY VALIDATION AND ACTIVATION 90 6.6. CLIENT ACCOUNTS REPORTS 91

7.

POWER OF ATTORNEY 92

8.

UTILITIES 94

8.1. QUICK ACCOUNT OPENING 94 8.2. CONDITIONS CHANGES 96 8.3. GROUPS 100 8.4. C.D.R.S. CUSTOMERS 101 8.5. CORRESPONDENTS BY AGENCIES 102 8.6. PARTICULAR CONDITIONS 105



8.7. BLACK LIST MANAGEMENT 107 8.8. WHO IS

UTILITY 108 8.9. DYNAMIC FIELDS UTILITY 109 8.4. CUSTOMER DATABASE PARAMETER KEY UTILITY 112 8.5. CUSTOMERS DATABASE PARAMETERS UTILITY 113 8.6. REPLACE / CLEAR ACCOUNT MANAGER UTILITY 125 8.7. REPLACE / CLEAR SALESPERSON UTILITY 126 8.8. LOAD CUSTOMER RISK INDICATOR FROM AMLA 127 8.9. LOAD RETURNED MAIL REASON 131 8.10. CUSTOMER NOTES AND MESSAGES UTILITY 135 8.11. NOTES AND MESSAGES FOR MULTIPLE CUSTOMERS /CUSTOMERS

ACCOUNTS UTILITY 136 8.12. SET DECEASED INDIVIDUAL PERSON

UTILITY 138 8.13. SET ALIVE PHYSICAL PERSON

UTILITY 138 8.14. ENHANCED DUE DILIGENCE UTILITY 139 8.15. SUSPICIOUS TRANSACTION REPORT 147

9.

BATCH PROCESSES 157

9.1. UPDATING ACCOUNT S ALTERNATIVE ADDRESS 157 9.2. CREATING ANNOTATION FOR CUSTOMER EXPIRED ADDRESS 158 9.3. CREATING/DELETING ANNOTATION FOR INCOMPLETE INDIVIDUAL/CORPORATE DATA 159 9.4. DELETING EXPIRED ANNOTATION 161



Revision History Date Version Comments Author Validation

22/09/2011 11 January 2012 11 Add new functions.

Requested by JIB. September 2013 12 Document update for BSN



1. Introduction In this module the management of customers and bank accounts opening are defined. A customer may be made of multiple Individual persons and corporate persons (i.e. it can be made of one individual person, several individual persons, one corporate, several corporate, and any combination of individual persons and corporate). A correspondent bank is also a Customer. A Customers Accounts can only belong to Customers. This document details the individual persons management, the corporate management, the customers management and the customers accounts management. Upon the bank request, an optional facility requiring supervisor validation before activating accounts opening update can be installed. To access to the module Customers/Accounts proceed: Teller Menu

Customers / Accounts

Cust. Def .

N.B.: Such Information pertaining to an Individual or a Corporate are not only necessary for risk assessments (an Individual can be part of several customers while also being member of the board of a moral person which is also a customer, etc.) but it can be very helpful when promoting new products such those pertaining to personal loans, housing loans, consumable loans, etc. Moreover such information can be used by other companies such as life insurance and real state companies.



2. Bank Accounts Opening Sequences User may proceed through the following sequences in order to define a new customer and open new accounts:

Step 1: Define the Individual Person and / or the corporate information respectively through the programs defined as Individuals and Corporate in the menu. Step 2: Proceed to the Customers information function in order to supply information required at customer s level, attach the concerned persons and corporate, and submit requests for the available delivery channels: E-banking, SMS and Phone Banking. (And print out welcome letters). Step 3: Capture and attach the required signatures and finger prints through the module of Signature management. Step 4: Proceed to the Customers Accounts function in order to open the required accounts and Print out the accounts conditions.

N.B.: In case the user is looking for an individual, he will be able to search using: Customer Name, Nationality, Date of Birth, Central Bank Secret Number, Card Number, Civil ID, Nationality Certificate, Diving License, Ministry of defense ID / Reference Number (MOD), Ministry of Interior ID / Reference Number (MOI). If the user is looking for a corporate, he will be able to search using: Customer Name, Nationality, Date of Foundation and Commercial Register. System will show the Individuals / Corporate and Customers answering to the entered criteria. User will select the required ID and go back to the account s opening screen. Optionally, he may inquire about the individual / corporate or customer details to make sure he is selecting the appropriate person. In case of a new customer, user will capture the customer s nature, name (first, middle and last name in case of an individual and optionally the Civil ID), preferred language and Residence Code.



3. Individual Persons Management In this part the Interactive functions and reports related to the individual (physical) are described. An Individual or Physical is any person having established a relation with the bank and its personal details are inserted in the system.

3.1. Individuals Function This function allows the definition, modification, cancellation and inquiry about the information details related to the Individual Persons .

To attain the program, proceed: Teller Menu


Individual . The following screen will appear giving the first tabulation :



a- Personal Info (Main Information screen) Click on the icon Add or press the key F6 to capture the information of the Individual Persons.

The information fields in the basic language are mandatory.

Residence Code: The individual person s resident code. It must refer to an existing element in the Residence Codes table (0= Resident, in the country, 1= Non Resident, outside the country). It must be captured or selected from the appearing list by pressing F9 or by clicking on the icon .

Nationality: The nationality of the persons. It must refer to an existing country in the country code table. It must be seized or captured from the appearing list by pressing F9 or by clicking on the icon .

MyKad: The individual person civil ID with the following format: YYMMDD-BP-###G, where: YYMMDD

holder s birth date, BP

place of birth (state) of the MyKad holder and ###G

generic serial numbers.

Individual ID: The identification (ID) of the individual person. It must be a unique ID within the bank. It will be given automatically by the system at the confirmation (Saving), after seizing all the mandatory information. This individual ID will be used in all the system applications that need this individual number (ex. Scanning of the signature, etc.). It cannot be modified.

First Name (Basic language): The Individual Person s first name in the basic language. It must be captured. - In the adjacent zone the Individual Person s first name in the secondary language. It can

be captured if needed.

Father First Name (Basic language): The Individual Person s father name in the Basic language. It must be captured. - In the adjacent zone the Individual Person s father name in the secondary language. It

can be captured if needed.



Middle Name (Basic language): The Individual Person s middle name in the Basic language. It can be captured if needed. - In the adjacent zone the Individual Person s middle name in the secondary language. It can


Last Name (Basic language): The Individual Person s family name in the basic language. It must be captured. - In the adjacent zone the Individual Person s family name in the secondary language. It can


Mother s First Name (Basic language): The Individual Person s mother first name in the Basic language. It can be captured if needed. - In the adjacent zone the Individual Person s mother first name in the secondary language.

It can be captured if needed.

Moth. Middle Name (Basic language): The Individual Person s mother family middle name in the Basic language. It can be captured if needed. - In the adjacent zone the Individual Person s mother family middle name in the secondary

language. It can be captured if needed.

Spouse First Name (Basic language): The Individual Person s spouse / husband first name in the Basic language. It can be captured if needed. - In the adjacent zone the Individual Person s spouse / husband first name in the secondary

language. It can be captured if needed.

Spouse Middle Name (Basic language): The Individual Person s spouse / husband family name in the Basic language. It can be captured if needed. - In the adjacent zone the Individual Person s spouse / husband family name in the

secondary language. It can be captured if needed.

Full Name: The Individual s person full name as per MyKad received information. It can be captured.

Date of birth: The Individual Person s birth date. It must be captured (dd/mm/yyyy).

Hijra Date: individual person s birth date in Hijra format. This field will appear on screen in case Display Hijra date flag is checked in Customer Database Parameters utility.

Place of Birth: The Individual Person s place of birth is divided in two separated zones : - The Locality Code (The State). It must refer to an existing element in the Localities

Codes table. It must be captured or selected from the appearing list by pressing F9 or by clicking on the icon 'List of value'.

- The Sub-Locality (The Country). It must refer to an existing element in the sub Localities Codes table. It must be seized or captured from the appearing list by pressing F9 or by clicking on the icon 'List of value'.

Salutation / Suffix : The Individual Person s salutation and suffix are divided in two separated zones :

- The Salutation code that refer to the title (for example Mr. = 1, Mrs. = 2, etc.). It must be an existing element in the Qualities table. It must be captured or selected from the appearing list by pressing F9 or by clicking on the icon 'List of value'.



- The Suffix Code (for example Senior, Junior, etc.). It must be an existing element in the Suffixes table. It must be captured or selected from the appearing list by pressing F9 or by clicking on the icon 'List of value'.

Male - Female: The Individual Person s gender indicator. It allows the user to select between Male and Female. It must be checked next to the chosen zone.

Race Code: The Individual Person s race code (for example: Bumiputra, Malay, Non-Bumiputeras Chinese, etc). It must be an existing element in the Races table. It must be captured or selected from the appearing list by pressing F9 or by clicking on the icon List of value . The race description will appear automatically and cannot be modified.

Origin: The Individual Person s origin indicator. Select the required option from the

attached dropdown list box . Example of values: Bumiputra, Non-bumiputra.

Religion: The Individual Person s Religion code. It must be an existing element in the Religions table. It must be captured or selected from the appearing list by pressing F9

or by clicking on the icon List of value . The religion description will appear automatically and cannot be modified.

Preferred Language: The Individual Person s preferred language. It must be an existing element in the Languages table. It must be captured or selected from the appearing list by pressing F9 or by clicking on the icon List of value . The language description will appear automatically and cannot be modified.

Click on the figuring tabulation to pass from a screen to another

or press Enter or Tab

when the cursor is in the last figuring zone.

N.B.: Once this first screen filled, the user can save the information and exit to move to the next step, thus keeping the capture of the remaining screens information for a later stage. This can allow the speeding of the definition process if it is necessary, while additional information will be entered at a later stage.



b- Address/Contact

Click on the tabulation , the following screen appears:

An Individual Person may have several addresses: A primary address, a secondary address, an employer address, etc. [email protected]

Please note that at Address Type

definition screen, a flag was added in order to indicate if the address type in subject has contact details (phone numbers and e-mail addresses). In case it hasn t, the contact details fields are disabled in the Address screen and therefore cannot be captured.

The following fields are available for each address:

Address Number: The serial address number. It appears automatically according to the order of the addresses seized. It cannot be modified.

Address Type: The address type permits to differentiate between the person eventual multiples addresses. It must be an address type defined in the address type table. It must be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values .

Name (Basic language): The Individual Person s first, middle and last name in the basic language. The default value reproduces the person s full name captured in the previous screen. It appears automatically. It can be modified. - In the adjacent zone the Individual Person s first, middle and last name in the secondary

language. It must be captured.

Address (Basic language): The address line 1 in the basic language. It can be captured. - In the adjacent zone the address line 1 in the secondary language. It can be captured if

needed. N.B.: The addresses fields are free format with 35 Characters long, as per Swift standard.



Address 3 (Basic language): The address line 2 in the basic language. It would be used to specify the bldg name, street name and city name. It can be captured.

- In the adjacent zone the address line 2 in the secondary language. It can be captured if needed.

Address 4 (Basic language): The address line 3 in the basic language. It can be captured. - In the adjacent zone the address line 3 in the secondary language. It can be captured if

needed.


needed.


needed.

State / Zip: The sub locality Code of the County. It must refer to an existing element in the sub locality table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The name of the sub locality of the County appears automatically and cannot be modified.

- The Zip code of the locality. It can be captured.

Country: The country code related to the address. It must refer to an existing element in the Countries table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values .

The name of the country appears automatically and cannot be modified.

City: The city code related to the address. It must refer to an existing element in the cities table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The name of the city appears automatically and cannot be modified.

P.O. Box: The P.O. Box number of this address type. It can be captured.

Phone 1: The primary phone number. The country phone code appears automatically according to the country selected and cannot be modified. The second and third zones are for the phone region code and the phone number. The fourth zone is for the phone extension number. They can be captured.

Mobile: The mobile phone number. The primary zone is the country phone code which appears automatically according to the country selected and cannot be modified. The second and third zones are for the phone region code and the phone number. The fourth zone is for the phone extension number. They can be captured.

Phone 2: The secondary phone number. The country phone code appears automatically according to the country selected and cannot be modified. The second and third zones are for the phone region code and the phone number. The fourth zone is for the phone extension number. They can be captured

Emails: The e-mail address. There are two zones for e-mail 1 and e-mail 2. They can be captured.

Personal phone: For personal phone flag. Click on the checkbox for yes or keep it empty for no.



Pager Number: The pager number if it exists. It can be captured.

Fax: The fax number. The country phone code appears automatically according to the country selected and cannot be modified. The second and third zones are for the phone region code and the phone number of the fax. The fourth zone is for the phone extension number. They can be captured

Click on the button to add a new address number and type with its details, or click

on the button to pass to the next tabulation screen without passing by the mandatory screen (especially in case of a rapid insertion that would be later added).

c- Ids and Dependent


Birth Certificate Number: The individual person s birth certificate number. Can be captured.

Police Number: The individual person s police / army ID number. Can be captured.

Old MyKad: The individual person s old MyKad number. Can be captured.

Passport: Passport number in case of non-resident individuals. Can be captured.

Expiry Date: The passport expiry date. Can be captured.

Old Passport: The old passport number for non-resident individuals. Can be captured.

Other ID Type: The nature of the official document presented by the Individual Person s (Family Civil Register, etc.). It must refer to an existing element in the document nature table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the type code appears automatically and cannot be modified.

ID number: The individual person s official document number.



Expiry Date: The expiry date of the official document. It can be captured.

Register Locality: The individual person s place of register code. The first zone must refer to an existing element in the localities codes table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The second and third zones refer to the register sub locality code (county). The description of the register locality appears automatically and can be modified.

Register Number: The individual person s register number. It can be captured.

Driving License Locality: The driving license locality code (State Code) and Sub Locality code. They can be captured. The description of the driving licence locality appears automatically and it can be modified.

Driving License: The driving license number. It can be captured.

MOD Reference Number: The Ministry Of Defense (MOD) reference number. It can be captured.

Additional Nationalities: Additional nationalities indicator. If checked means that the individual person holds an additional nationality therefore user will capture other nationalities information, such as: Nationality code, national certificate number, other ID type, ID number, expiry date, Register locality description and register number. (Up to 2 additional nationalities can be defined). Click on the checkbox in case of positive answer.

Resident abroad for >= 183 days: Resident abroad indicator since more than 182 days. Click on the checkbox in case of positive answer.

MOI Reference Nbr: The Ministry Of Interior (MOI) reference number. It can be captured.

MOI Place: The Ministry Of Interior (MOD) place. It can be captured.

Residence Exp. Date: The residence expiry date. It can be captured.

CB Approval: The CB Approval. It can be captured.

Marital status: The individual person s family situation. It must refer to an existing element in the family situations table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description appears automatically and cannot be modified.

Family Responsible: The family responsible indicates if the Individual Person s is a responsible of a Family. Click on the checkbox in case of positive answer.

Nbr of Children: The individual person s number of children. It can be captured.

Nbr Of Dependants: The individual person s number person dependent. It can be captured.

Individual ID: The individual person ID number (dependent ID). It must refer to an existing element in the Individuals table if the dependent is an already defined person in the bank. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . In this case, the dependent name and birth date are retrieved from the individual info.



Dependent name: The individual person s dependent names. They can be captured.

Date of Birth: The date of birth of the individual person s dependent names. They can be captured.

Dependent relation: The relation between the dependent and the Individual Person s. It must refer to an existing element in the relation reason table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description appears automatically and cannot be modified.

d- Profession


Education Level: The individual person s education level. It must refer to an existing element in the Study Degrees table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the education level appears automatically and cannot be modified.

Economic Sector: The individual person s economic sector code. It must refer to an existing element in the economic sectors table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the economic sector appears automatically and cannot be modified.

Activity Status: The individual person s activity status code. It must refer to an existing activity in the activity status table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the activity status appears automatically and cannot be modified.

Employment Status: The individual person s employment (profession) status code. It must refer to an existing element in the professions status table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of



Values . The description of the employment status appears automatically and cannot be modified.

Spouse Activity Code: The individual person s spouse activity status code. It must refer to an existing activity in the activity status table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the activity status appears automatically and cannot be modified.

Spouse Profession: The Individual person s Spouse profession code. It must refer to an existing element in the professions table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the profession appears automatically and cannot be modified.

Occupation: The individual person s occupation code. It must refer to an existing element in the professions table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the occupation appears automatically and cannot be modified.

Classification Code: The Individual person s internal economic sector. It must refer to an existing element in the internal economic sectors table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the economic sector appears automatically and cannot be modified.

Actual Employment info

Employer ID: The employer ID number. It can be captured. This zone is optional if captured it must exist in the employer table. The employer name appears if the ID is captured automatically and cannot be modified.

Employer Address: The address of the current employer. It is a free text and can be captured.

Employer Phone: The employer s phone number. It can be captured.

Employed Since: The Date of Hire. It can be captured.

Contract Expiry Date: The expiry date of the contract if the work is contractual. It can be captured.

ID At Employer: The ID given by the employer. It can be captured.

Job Title: The job title. It must refer to an existing element in the job title table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the job appears automatically and cannot be modified.

Currency: The currency code of the salary. It appears automatically according to the local currency. It can be modified. The description of the currency code appears also automatically and cannot be modified.

The monthly Salary: The basic monthly salary in local currency. It can be captured.

Property Rent: The amount in the local currency of the property rented if there is considered as an income. It can be captured

Business Income: The income of the business if it exists, in local currency. It can be captured.



Monthly Other income: The monthly other income if it exists, in local currency. It can be captured.

Previous Employer

Address: The individual person s previous employer full address. It can be captured.

P.O. Box: The P.O. Box number of the previous employer. It can be captured.

City: The name of the city where was the previous employer. It can be captured.

Country: The name of the country where was the previous employer. It can be captured.

Phone 1: The primary phone number. It can be captured.

Years of Employment: The number of years spends in the previous employment. It can be captured.

e- Relations

Click on the tabulation , the following screen of minor person s information and Bank s relation Screen appears:

Guardian/Disabled flag: It indicates if the individual person is minor (below maturity age), or mentally Handicapped and therefore requires a guardian or none. Click on the checkbox at the one of the selected zone Guardian, Disabled, None .

Guardian Relationship: The guardian relationship code. It defines the relationship between the guardian and the individual person. It must refer to an existing element in the Guardian Relationship table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of guardian relation appears automatically and cannot be modified.



Legal guardian: The individual person s ID of the eventual guardian. It must be already defined as an Individual person. It can be captured.

Due Date: The eventual legal expiry date. It can be captured.

Reference: The guardianship legal reference. It can be captured.

Judiciary Guardian 1: The first judiciary guardian (the individual person may have one or two Judiciary Guardians). If available, it must be already defined person in the individual person s table. It can be captured.

Date: The individual person s first judiciary expiry date. It can be captured.

Reference: The individual person s first judiciary reference.

Judiciary Guardian 2: The second judiciary guardian (the individual person s may have one or two Judiciary Guardians). If available, it must be already defined person in the individual person s table. It can be captured.

Date: The individual person s second judiciary expiry date. It can be captured.

Reference: The individual person s second judiciary reference.

Bank staff title: The bank staff title can be used if the individual person is one of the Bank s staff. It must refer to an existing element in the bank staff degrees table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of title appears automatically and cannot be modified.

Relation Reason: The individual person s relation reason. It must refer to an existing element in the relation reason table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the relation reason appears automatically and cannot be modified.

Relation Date: The individual person s starting relation date. It can be captured.

Introduced By: Another person may have introduced the individual person. If available, it must refer to an already defined person in the individual person s table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The name of the person appears automatically and cannot be modified.

Related to Bank Group: The individual person is part of group. The Bank may be part of several groups. Click on the checkbox to selected one of the existing group to indicates that the individual person s (y/n) is also a customer of Group 1 , Group 2 , Group 3 or Group 4 .



f- Commercial

Click on the tabulation , the eventual commercial activity information screen appears:

The following information may be captured if the Individual Person has a commercial activity:

Commercial Registration Number: The individual person s commercial registration number.

Commercial Registration Locality (State): The individual person s place of commercial register code. It must refer to an existing element in the localities codes table. - The commercial Register Sub Locality code (country). It must also refer to an existing element in the sub localities codes table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the commercial register locality appears automatically and can be modified.

Reg. Description: The individual person s commercial registration locality description. It can be captured.

Comm. Reg. Code: The eventual commercial register code. It can be captured.

Reg. Date: The commercial register date. It can be captured.

Comm. Reg. City: The commercial register city. It can be captured.

Legal Reference: The legal reference. It is a free text that can be captured.

Doc List: The list of documents. It is a free text that can be captured.

Registrar: The registrar. It is a free text that can be captured.

Comments: The comments if they exist. It is a free text that can be captured.



g- Required Documents

Click on the tabulation , the required documents screen appears:

Click on the button to refresh the list and show the documents registered and not yet delivered.

Documents: The list of documents required from the individual persons. It can appear automatically according to the parameters settled. It can be also captured or modified.

Delivered: The checkbox near each document shows if the document is delivered or not.

Click on the checkbox zone to precise the delivered document.

Delivery Date: The delivery date of the required document.

Click on the button to Scan and / Or Attach document(s) to the required documents for an individual Person. Pressing on the Attach button would invite the user to select a file to be attached to the active individual person profile. The file can contain a scanned picture of the document. Pressing on the Scan button will activate the scanner and the user can scan the required document that will be attached to the active Individual Person profile.



h- Additional Info

Click on the tabulation , the additional Information (Dynamic Fields) screen appears:

The bank may define several sets of information to be collected from Individual persons . To each set of information are attributed a Set of information code and a Set of questions by the System administrator and according to the Bank s policy. For each Question, we have assigned: an information code and a list of possible values.



Upon Individual person definition, user can select one of the available Set of information codes and answer to the underlying questions.

Information Code: The set of information code. It must be already defined in the sets of information codes. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the information code appears

automatically and can be modified.

Additional Information: The list of additional information needed. It must be already defined with the questions assigned to the sets of information code. It cannot be modified.

Answers: The answers should be one of the allowed answers if such restriction is set at information code definition level.

i- Other Info

Click on the tabulation , the Other Information (Dynamic Fields) screen appears:

This screen shows information and events recorded by the system.

Managing Branch: The Individual Person s managing branch. It appears by default and can be modified. The name of the branch appears automatically and cannot be modified.

Opening Date: The opening date is the date when this Individual was recorded. It appears automatically and cannot be modified.

Last Modification Date / user: The last modification date by user ID. It is the date when the last modification was done on this Individual . It appears automatically and cannot be modified.

Alive Customer: The individual person alive indicator. It appears automatically and cannot be modified.

Decease Date: The individual person s decease date. It appears automatically according to the function Set Deceased Individual Person when the individual person s deceased.



Incomplete Data flag: Incomplete data flag generated by the system. It appears checked when the individual record is saved with incomplete data. Field Attributes utility will define the data required for completeness of individual information.

More Information: Free text for more information. It can be captured.

At the end click on the icon Save to confirm the data inserted. Upon confirmation of the new Individual Person s entry, the system will generate the Individual Person s unique ID.

Or click on the icon Create Customer to save the information and move to the customer definition function (described below: paragraph C- Customer Function), without having to go through the menu. This option also populates the customer s information based on similar information entered here at Individual level, thus preventing data entry redundancy and gaining time for not seizing again in the Customer function, the same information already seized here. Upon confirmation through the Create Customer icon the system will generate the Individual Person s unique ID and will open automatically the Customer function filled with the same information.

N.B.: By clicking on the icon Card Scan the system will offer the facility to retrieve person s basic information (Name, birth date, national number, etc.) through a card reader thus reducing data entry.

3.2. Consulting, Updating and Deleting Individual person Click on the icon Enter Query , capture the Individual Person s ID, or select the required person from the appearing list by pressing the key F9 or clicking on the icon List of Values . User can also capture one or a combination of the following information to look for the eventual existence of the individual person: Nationality, Date of Birth, Civil ID, Commercial Register, Central Bank Secret Number, Card Number (Db or Cr), Driving License, Nationality Certificate, and Ministry of Interior Reference Number. Then, click on the icon Execute Query . The system displays the Individual person s information and informs the user about all the related information to this individual person through other functions like Customer , Guarantor , etc. using the related icons.

To update the Individual information, click on the icon Update , modify the zones in the related tabulation. At the end click on the icon Save to confirm all the amendment. A document is printed (according to parameters).

To delete the individual person click on the icon Delete . Individual Person s deletion is allowed only if it is not referenced in other entities, for example it should not be already defined as: a guardian of another person, a member of a corporate, a member of a customer, a proxy, etc.



3.3. Maker Checker Concept The Individual Persons management can be subject to maker and checker concept and therefore any intervention such as a new definition, an amendment or a deletion would be subject to validation by a supervisor. This facility is activated upon request through the function Individual . To access to the module Customers/Accounts proceed: Teller Menu

Entry Validation CustDb

Individual, Individual Validation .

Individual Person (Maker / Checker concept) When accessing to this function, the following screen appears:

Once required data are filled user can press on submit button in order to have supervisor approval. Otherwise he would press on save button and later he can retrieve back the information and submit the record for validation.



Modification of existing data (Maker /Checker concept) When accessing to this function, the following screen appears:

In order to modify existing individual person information, user should press on custom button labeled with Update Validated Id and upon confirmation data will be displayed for validation. User has the same possibility either to save or to submit directly for validation.

Deletion of existing data (Maker /Checker concept) When accessing to this function, the following screen appears:



In order to delete existing individual person information and which is not related to any customer, user should press on custom button labeled with Delete Validated Id and upon confirmation data will be displayed for validation. User has the same possibility either to save or to submit directly for validation.

Individual Person Validation (Maker /Checker concept) The following screen appears with all the lines of individuals that need validation.

Double click on the selected line and all the information will appear through the Individual function screen.

Note that in case of modification, the modified ones will be marked with blue and highlighted with red (see above).



Supervisor will decide either to reject or approve the action.

Click on the icon Save to validate the information.

3.4. Individual Reports The system provides a report for individual persons:

1- Individual Persons Listing To access to the program of Physical Person Listing, proceed through the menu: Reports & Inquiries

Customer Reports

Physical Persons Listing . Specify the required range of physical person ID, then specify the needed options as appearing in the screen in each corresponding zone (by inserting the number 1 for yes and 0 for no (or All ) in each option zone). The system will produce all the details required about the individual persons.

Click on the icon Print to screen to have the list appearing on the screen and then it

could be printed; or click on the icon to print the list directly on the chosen printer.



2- Individual Persons Information To access to the program of Individual Person Listing, proceed through the menu: Teller Menu


Individual Informations . Specify the required range of individual person ID. The system will produce all the details required about the individual persons.





4. Corporate Management In this part the Interactive functions and reports related to the Corporate (Moral) are described. A Corporate or Moral is any Bank, Company, Industry, etc., having established a relation with the bank and its private details are inserted in the system. N.B.: Additional information is also available at Credit File Management Level for corporate applying for a Credit / financing product. It includes: Credit file information such as segmentation, authority, previous year s financial figures (Assets, Liabilities & Equities, Net sales, Net income, etc.) and next years forecast; Dynamic application questionnaire answers; Credit classifications elements.

4.1. Corporate Function This function allows the definition, modification, cancellation and inquiry about Corporate.

NB.:

* Most of the items are optional and therefore may be filled at later stages (not necessarily in the presence of the Person Representative). * Civil ID will be also used as criteria to check the black list. If found it will be reported as a warning (None blocking). * Registration country will be used for country of Risk purposes.



Corporate . The following screen will appear giving the first tabulation :

Information fields in the basic language are mandatory. Once this first screen filled, user may save the information and exit to move to the next step, thus keeping the remaining screens information capture for a later stage. This allows speeding up the definition process while additional information will be entered in the back office at a later stage. Otherwise he would press on any of the bottom screen tabs to fill in appropriate data.



a- Main Info Click on the icon Add or press the key F6 to capture the information of the Corporate.

Residence code: The corporate resident code. It must refer to an existing element in the Residence Codes table (0= Resident, in the country, 1= Non Resident, outside the country). It must be captured or selected from the appearing list by pressing F9 or by clicking on the icon . The description of the residence code will appear automatically and cannot be modified.

Reg. Comm. Nbr: The corporate commercial registration number. It can be used as a key to access corporate customers. It must be captured.

Corporate ID: The identification (ID) of the corporate person. It must be a unique ID within the bank. It will be given automatically by the system at the confirmation (Saving), after seizing all the mandatory information. This corporate ID will be used in all the applications in the system that needs this corporate number. It cannot be modified.

English Language Name: The corporate name in basic language. It must be captured.

Second Language Name: The corporate name in secondary language. It can be captured if needed.

Currency: The currency code of the corporate declared capital. It must refer to an existing element in the currencies table. It must be captured from the appearing list by pressing F9 or by clicking on the icon . The currency code name will appears automatically and cannot be modified.

Company Capital: The Company Capital amount in local currency. It must be captured.

Paid: The Capital paid amount in local currency. It must be captured.

Net Worth: The net worth in local currency. It can be captured.

Usual Turnover: The usual turnover in local currency. It can be captured.



Foundation Date: The corporate Foundation date. It must be captured.

Duration In Years: The corporate duration in years. It can be captured.

Reg. Comm. Locality: The Commercial Registration Locality Description. The corporate place of register code. It must refer to an existing element in the localities codes table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the register locality code (county) will appear automatically and can be modified.

Registration date: The corporate registration date. It must be captured.

Registration Type: The corporate registration type. Click on the arrow near the zone

and select the required registration type from the appearing list. Possible values are: Commercial, Industrial or Agricultural.

Reference (National): The Corporate National Reference Number. It can be captured if needed.

Registration Info: The corporate registration information. It is a free long text. It can be captured if needed.

Country of Risk: The corporate country of risk code. It must refer to an existing element in the countries table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the country of risk code will appear automatically and cannot be modified.

Number Of Employees: The corporate number of employees. It can be captured.

Number Of Lawyer: The corporate number of lawyers. It can be captured.


or press Enter or Tab when the cursor is in the last figuring zone.




b- Address/Contact


A Moral Person may have several addresses: A primary address, a secondary address, etc.

Please note that at Address Type definition screen, a flag was added in order to indicate if the address type in subject has contact details (phone numbers and e-mail addresses). In case it hasn t, the contact details fields are disabled in the Address screen and therefore cannot be captured.

The following fields are available for each address:

Address Number: The serial address number. It appears automatically according to the order of the addresses seized. It cannot be modified.

Address Type: The address type permits to differentiate between the moral eventual multiples addresses. It must be an address type defined in the address type table. It must be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values .

Name (Basic language): The corporate full name in the basic language. The default value reproduces the corporate name captured in the previous screen. It appears automatically. It can be modified. - In the adjacent zone the corporate full name in the secondary language. It must be captured.

Address (Basic language): The address line 1 in the basic language. It can be captured. - In the adjacent zone the address line 1 in the secondary language. It can be captured if needed.

Address 1 (Basic language): The address line 2 in the basic language. It would be used to specify the bldg name, street name and city name. It can be captured.

- In the adjacent zone the address line 2 in the secondary language. It can be captured if needed.




needed.

Address 3 (Basic language): The address line 4 in the basic language. It can be captured. - In the adjacent zone the address line 4 in the secondary language. It can be captured if needed.

Address 4 (Basic language): The address line 5 in the basic language. It can be captured. - In the adjacent zone the address line 5 in the secondary language. It can be captured if needed.

State / Zip: The sub locality Code of the County. It must refer to an existing element in the sub locality table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values .

The name of the sub locality of the County appears automatically and cannot be modified.

- The Zip code of the locality. It can be captured.

County: the address locality code (State). It must refer to an existing element in the localities codes table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The name of the locality appears automatically and cannot be modified.

Country: The country code related to the address. It must refer to an existing element in the Countries table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values .

The name of the country appears automatically and cannot be modified.

City: The city code related to the address. It must refer to an existing element in the cities table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The name of the city appears automatically and cannot be modified.

P.O. Box: The P.O. Box number of this address type. It can be captured.

Phone 1: The primary phone number. The country phone code appears automatically according to the country selected and cannot be modified. The second and third zones are for the phone region code and the phone number. The fourth zone is for the phone extension number. They can be captured.

Mobile: The mobile phone number. The primary zone is the country phone code which appears automatically according to the country selected and cannot be modified. The second and third zones are for the phone region code and the phone number. The fourth zone is for the phone extension number. They can be captured.

Phone 2: The secondary phone number. The country phone code appears automatically according to the country selected and cannot be modified. The second and third zones are for the phone region code and the phone number. The fourth zone is for the phone extension number. They can be captured.

Fax: The fax number. The country phone code appears automatically according to the country selected and cannot be modified. The second and third zones are for the phone region code and the phone number of the fax. The fourth zone is for the phone extension number. They can be captured



E

Mail 1: The first e-mail address. It can be captured.

E

Mail 2: The second e-mail address. It can be captured.

Swift: The Swift number. It can be captured.

Identifier: The identifier number. The identifier type code. It identifies the National / Domestic Clearing organization (ex: FW for US Fed Identifier or SC for the UK Domestic Sort code). It must refer to an existing element in the identifiers type codes table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the identifier code appears automatically and cannot be modified. - The next zone is the Party Identifier (Domestic code). The Identifier Assigned by the National / Domestic Clearing organization (Ex: US Fed Identifier FW: 999999 or the UK Domestic Sort code SC: 999999). The description of the identifier code appears automatically and cannot be modified.

Last Modification Date / user: The last modification date by user ID. It is the date when the last modification was done on this Corporate . It appears automatically and cannot be modified.

Click on the button to add a new address number and type with its details, or click

on the button to pass to the next tabulation screen without passing by the mandatory screen (especially in case of a rapid insertion that would be later added).

c- Activity

Click on the tabulation , the commercial activity information screen appears:

Language: The corporate preference (and presented document) language code. It must refer to an existing language code in the languages table. It must be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the language appears automatically and cannot be modified.



Economic Sector: The economic sector of the corporate that describes the global corporate work. It must refer to an existing economic code in the economic sector table. It must be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the economic sector code appears automatically and cannot be modified.

Activity (English Lang): The corporate activity in English language. It is a free long text zone that can describe the activity of the corporate. It can be captured.

Activity (2nd. Lang): The corporate activity in the second language. It is a free long text zone that can describe the activity of the corporate in the second language. It can be captured.

Introduced By: An individual person may have introduced the corporate. If available, it must refer to an already defined person in the individual person s table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The name of the person appears automatically and cannot be modified.

Relation Reason: The relation reason for the corporate. It must refer to an existing element in the relation reason table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the relation reason appears automatically and cannot be modified.

Relation Date: The relation reason starting date. It can be captured.

Affiliation Code: The affiliation code. It is used in case the Corporate is affiliated to the Bank. It must refer to an existing element in the affiliation code / Bank Staff Degrees table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the affiliation code appears automatically and cannot be modified.

Signature Combination: The signature combination code. It indicates the required signature combination. It must refer to an existing element in the signature combination table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the code appears automatically and cannot be modified.

Company Rating: The company rating code. It is used for corporate evaluation. It must refer to an existing element in the company rating table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the company rating code appears automatically and cannot be modified.

Company Status: the Company s status. It is used for corporate evaluation. It must refer to an existing element in the company status table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the company status code appears automatically and cannot be modified. Example of values: Resident Controlled Company, NRCC, etc.

Company Origin: the Company s origin indicator. It must refer to an existing element in the company origins table. It can be selected from the drop down list box. Example of values: Bumiputra, Non-Bumiputra.



Related to: The corporate is related to a group. The Bank may be part of several groups. Click on the checkbox to selected one of the existing group (y/n) Group 1 , Group 2 , Group 3 or Group 4 .

d- Legal Info

Click on the tabulation , the legal information screen appears:

Business Basis: The business basis code (for example: S.A.L., Est., Inc., etc.). It must refer to an existing code in the business basis table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description business basis code appears automatically and cannot be modified.

Legal Reference: The legal reference. It is a free text zone. It can be captured.

Clerk Secretary: The clerk secretary. It is a free long text zone. It can be captured.

N.B.: The Legal Reference and Clerk Secretary Fields are free format with 500 characters long.



e- Members

Click on the tabulation , the legal information screen appears:

A Moral Person may involve several persons (individual or corporate) called members. A member can be for example: a member of board of directors, a major shareholder /partner, a chairman, a general manager, an assistant general manager, a Signatory, a contact person, etc. Several members can be defined through this screen inserting for each member the following information:

Individual, Corporate: The Individual zone and the Corporate zone indicated the person type defining whether the member is a Corporate or an Individual Person. Click on the checkbox near the selected zone Individual Corporate .

Person ID: The individual person or corporate ID of the member. It must refer to an existing person or corporate in the Individual or Corporate table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The name of the person or corporate appears automatically and cannot be modified.

Member type: The member type code (ex: Shareholder, Member of the board, etc.). It must refer to an existing element in the membership table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the member type appears automatically and cannot be modified.

Partnership: The partnership percentage in case the person or corporate is a partner. It can be captured.

Status: The status. It is a free Text. It can be captured.

Expiry Date: The membership eventual expiry date. It can be captured.



f- Required Documents

Click on the tabulation , the required documents screen appears:

Click on the button to show the list of documents registered and yet delivered or not.

Documents: The list of documents required from the corporate. It can appear automatically according to the parameters settled. It can be also captured or modified.

Delivered: The checkbox near each document shows if the document is delivered or not.

Click on the checkbox zone to precise the delivered document.

Delivery Date: The delivery date of the required document.

Click on the button to Scan and / Or Attach document(s) to the required documents for the company. Pressing on the Attach button would invite the user to select a file to be attached to the active corporate profile. The file can contain a scanned picture of the document. Pressing on the Scan button will activate the scanner and the user can scan the required document that will be attached to the active corporate profile.



g- Additional Info

Click on the tabulation , the additional Information (Dynamic Fields) screen appears:

The bank may define several sets of information to be collected from Corporate. To each set of information are attributed a Set of information code and a Set of questions by the System administrator and according to the Bank s policy. For each Question, we have assigned: an information code and a list of possible values.



Upon Corporate definition, user can select one of the available Set of information codes and answer to the underlying questions.

Information Code: The set of information code. It must be already defined in the sets of information codes. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the information code appears

automatically and can be modified.

Additional Information: The list of additional information needed. It must be already defined with the questions assigned to the sets of information code. It cannot be modified.

Answers: The answers should be selected from the allowed answers if such restriction is set at information code definition level.

h- Other Info

Click on the tabulation , the Other Information (Dynamic Fields) screen appears:

This screen shows information and events recorded by the system.

Managing Branch: The Corporate managing branch code. It must refer to an existing element in the branches table. It appears by default. It can be modified by insertion or selection from the appearing list by pressing the key F9 or clicking on the icon List of Values . The name of the branch appears automatically and cannot be modified.

Opening Date: The date when the corporate was recorded (saved) in the system. It appears by default and cannot be modified.

Last Modification Date / user: The date when the last modification of the corporate information was done by user. It appears by default and cannot be modified.

Incomplete Data flag: Incomplete data flag generated by the system. It appears checked when the corporate record is saved with incomplete data. N.B: The following fields are available at database level and can be activated upon request to be shown on the screens.



Industrial This part of the screen Industrial is divided in 3 columns: Professional Certificate , Commercial Registration and Identity Registration .

The following zones belong for each column:

Certificate Code: The certification code of the professional certificate, the commercial registrar and the identity register.

Issue Date: The issuance date of the professional certificate, the commercial registrar and the identity register.

Validity Date: The validity date of the professional certificate, the commercial registrar and the identity register.

Register Locality: The register locality of the professional certificate, the commercial registrar and the identity register.

Place Of Issue: The place of issuance of the professional certificate, the commercial registrar and the identity register.

Comments: The comment zone is used for any eventual commentary.

i- Rating

Click on the tabulation , the rating information screen appears:

Fitch L: The Fitch L zone. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the Fitch L code appears automatically and cannot be modified.

Fitch S: The Fitch S zone. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the Fitch S code appears automatically and cannot be modified.

Moody L: The Moody L zone. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the Moody L code appears automatically and cannot be modified.



Moody S: The moody S zone. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the Moody S code appears automatically and cannot be modified.

SP L: The SP L zone. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the SP L code appears automatically and cannot be modified.

SP S: The SP S zone. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the SP S code appears automatically and cannot be modified.

j- Financial Info Click on the tabulation , the financial information screen appears:

Main Suppliers of the Company: The main suppliers of the company can be listed in this free text zone.

Main Customers of the Company: The main customers of the company can be listed in this free text zone.

Yearly Financial Data

Year: Three different year zones.

Type: The type of the financial data for each year. Click on the arrow near the zone

and select the required type from the appearing list.

Total Revenue: The total revenue amount in the 3 years.

General Expenses: The general expenses amount in the 3 years.

Net Income: The net income amount in the 3 years.



At the end click on the icon Save to confirm the data captured. Upon confirmation of the new corporate entry, the system will generate the corporate unique

ID (Moral Person ID).

Or click on the icon Customers to save the information and move to the customer definition function (described below: paragraph C- Customer Function), without having to go through the menu. This option also populates the customer s information based on similar information entered here at corporate level, thus preventing data entry redundancy and gaining time for not seizing again in the Customer function, the same information already seized here. Upon confirmation through the Customers icon the system will generate the Moral Person s unique ID and will open automatically the Customer function filled with the same information.

4.2. Consult, Update and Delete Corporate Click on the icon Enter Query , capture the Corporate ID, or select the required corporate from the appearing list by pressing the key F9 or clicking on the icon List of Values . Then, click on the icon Execute Query . The system displays the Moral person s information, and informs the user about all the related information to this moral person through other functions like Customer , Guarantor , etc. by using the related icons

To update the corporate information, click on the icon Update , modify the zones in the related tabulation. At the end click on the icon Save to confirm all the amendment. A document is printed (according to parameters).

To delete the corporate click on the icon Delete . Moral Person deletion is allowed only if it is not referenced in other entities, for example it should not be: Member of a Customer, Member of another Moral Person, etc.

4.3. Maker Checker Concept The Corporate management can be subject to maker and checker concept; therefore any intervention such as a new definition, an amendment or a deletion would be subject to validation by a supervisor. This facility is activated upon request through the function Corporate Validation .

To access to the module Customers/Accounts proceed: Teller Menu


Entry Validation CustDb

Corporate, Corporate Validation .

Corporate (Maker / Checker concept) When accessing to this function, the following screen appears:



Once required data are filled user can press on submit button in order to have supervisor approval. Otherwise he would press on save button and later he can retrieve back the information and submit the record for validation.

Modification of existing data (Maker /Checker concept) When accessing to this function, the following screen appears:

In order to modify existing corporate information, user should press on custom button labeled with Update Validated Id and upon confirmation data will be displayed for validation. User has the same possibility either to save or to submit directly for validation.

Deletion of existing data (Maker /Checker concept)



When accessing to this function, the following screen appears:

In order to delete existing corporate information and which is not related to any customer, user should press on custom button labeled with Delete Validated Id and upon confirmation data will be displayed for validation. User has the same possibility either to save or to submit directly for validation.

Corporate Validation (Maker /Checker concept) The following screen appears with all the lines of corporate that need validation.

Double click on the selected line and all the information will appear through the Corporate function screen.



Note that in case of modification, the modified ones will be marked with blue and highlighted with red (see above). Supervisor will decide either to reject or approve the action.

Click on the icon Save to validate the information.

4.4. Corporate Reports The System provides a set of reports for Corporate including:

4.4.1. Corporate Listing To access to the program of Corporate Listing, proceed through the menu: Reports & Inquiries

Customer Reports

Corporate Listing . Specify the required range of individual person ID, then specify the needed options as appearing in the screen in each corresponding zone (by inserting the number 1 for yes and 0 for no (or All ) in each option zone). The system will produce all the details required about the Corporate.





4.4.2. Corporates Summary List To access to the program of Moral Person Listing, proceed through the menu: Reports & Inquiries

Customer Reports

Corporates Summary List . This function lists a summary of Corporate.


could be printed; or click on the icon to print the list directly on the chosen printer to print the summary information concerning the moral persons.



5. Customers Management In this part the Interactive functions and reports related to the Customer are described. The identification number or Customer ID created through this function is a unique number

assigned to each customer and used to consolidate all the customer activities. A customer is a set of Individual persons and/or Corporate. His ID is unique within all the bank s branches and allows for customer s activity consolidation. This concept is used to allow defining a customer as a combination of persons and companies. A person is defined once in the system and it can be used at multiple levels without having to redefine his personal information. Note: Most of those items are optional and therefore may be filled at later stages (not necessarily in the presence of the Person Representative).

5.1. Customers Function This function allows the definition, modification, cancellation and inquiry about Customers.



Customer . a- Home (Main Information screen) Click on the icon Add or press the key F6 to capture the information of the Customer. - The System provides a facility where Individual Person information can be retrieved to automatically populate the Customer similar fields thus reducing data entry redundancy. A click on the Individual Person information icon Get Individual Info will invoke the following window:

User can capture the Individual person ID and can click on the button ; consequently the system will populate the customer s information based on the Individual



person available information. Therefore the user will have to capture the rest of the fields especially the mandatory ones. Otherwise the user can click on the button

and capture all the information or keep the operation for a later stage. - Similarly, the system provides a facility where Corporate information can be retrieved to automatically populate the Customer similar fields thus reducing data entry redundancy. A click on the corporate information icon Get Corporate Info will invoke the following window:

User can capture the Corporate ID and can click on the button ; consequently the system will populate the customer s information based on the Corporate available information. Therefore the user will have to capture the rest of the fields especially the mandatory ones. Otherwise the user can click on the button

and capture all the information or keep the operation for a later stage.

-In addition, the system provides a facility allowing the user to send either Email or SMS.

A click on the Email/SMS button will invoke the following window:



User will choose to send either an Email or SMS by checking the required radio button. He will also select a template ID, from the available template list of values, or enter

the needed texts to be sent. In case the user selects an existing template ID, system will populate the related information based on the template available information which can also be modified by the user.

The information fields in the basic language are mandatory. N.B.:

Once this first screen filled, user may save the information and exit or move to the next step thus keeping the remaining screens information to be captured at a later stage. This allows speeding up the definition process while additional information will be



entered in the back office at a later stage. Otherwise the user can press on any tabulation to fill in appropriate data.

Customer Identification: The Customer s unique identification (ID). It must be a unique Customer ID within the bank. It is generated automatically by system (depending on the bank demands) upon user confirmation (Save).

Oper. Branch: The code Branch managing the Customer. It must refer to an existing element in the branches table. It appears by default with the branch name. It cannot be modified.

Opening Date: The date the Customer was recorded (Saved) for the first time in the system. It appears by default taking the current date value. It cannot be modified.

Last modification Date: The last modification date executed on the customer. It appears by default and can be modified.

Secret Number: The secret number in case it exists. It appears automatically and cannot be modified.

English Lang. Name: The customer s name in basic language. It must be captured. Note that in case the full name for the individual ID related to the current customer is captured, system will therefore set the customer name by default same as the Individual Full Name, while on the other hand, if the Individual Full name is not filled, the customer name will be the concatenation of the Individual First/Middle/Father/Last name.

Second Lang Name: The customer s name in secondary language. It can be captured if needed.

Short Name: The customer s short name in basic language. It can be used also for card. It can be captured.

Short Name second Language: The customer short name in secondary language. It can be also used for card. It can be captured.

Salutation: The Customer s salutation (title) code (Mr., Mrs., Dr. Etc.). It must refer to an existing element in the qualities table. The title code will be added to customer s name upon customer s document printing.

Customer nature: The customer s nature code. It permits to classify customers to allow defining particular condition per class: Individual customers (Standard, Students, Pensioners, etc.); Bank s Staff; Companies customers; Governments Ministries, etc. It must refer to an existing element in the customers nature table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the customer nature appears automatically and cannot be modified.

Signature combination: The signature combination code. It indicates the required signature combination. It must refer to an existing element in the signature combination table. It can be captured or selected from the appearing list by pressing the key F9

or clicking on the icon List of Values . The description of the signature code appears automatically and cannot be modified.

Residence Code: The customer s resident code. It must refer to an existing element in the Residence Codes table (0= Resident, in the country, 1= Non Resident, outside the



country). It must be captured or selected from the appearing list by pressing F9 or by clicking on the icon .

Country of Risk: The corporate country of risk code. It must refer to an existing element in the countries table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the country of risk code will appear automatically and cannot be modified.

Activity Region: the region code of the customer s activity. It must refer to an existing element in the region table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the activity region will appear automatically and cannot be modified.

Fiscal/Reference: The fiscal / reference code. The taxable indicator that will be

selected by a click on the checkbox . In the next zone the taxable reference (VAT) can be captured.

Mailing: the mailing code. It defines where the customer prefers to receive his mailing and used for mail sorting or distribution. It must refer to an existing mail code in mailing table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the mailing code will appear automatically and cannot be modified.

Language Code: The customer preferred language (and presented document) language code. It must refer to an existing language code in the languages table. It must be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the language appears automatically and cannot be modified.

Internal Economic Sector: The customer s internal economic sector code. The secret number provided by the central bank. Allowing linking all customer accounts under one secret Number. It must refer to an existing element in the internal economic sectors table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the internal economic sector appears automatically and cannot be modified.

Rating: The customer s rating code. It is used for customer s evaluation. It must refer to an existing element in the company rating table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the rating code appears automatically and cannot be modified.

Economic Sector: The customer s economic sector code. The bank defined economic sector. It must refer to an existing element in the economic sectors table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the bank economic sector appears automatically and cannot be modified.

Customer Status: The customer s status code. It must refer to an existing status code in the customer status table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the customer status code appears automatically and cannot be modified.



CB Eco. Sector: The central bank economic sector code. The customer economic sector code as per Central Bank codification. It must refer to an existing element in the Central Bank economic sectors table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the CB economic sector appears automatically and cannot be modified.

Market Sector: The Market sector code. It must refer to an existing element in the Market Sectors table. It can be captured or selected from the appearing list by pressing

the key F9 or clicking on the icon List of Values . The description of the market sector appears automatically and cannot be modified.


or press Enter or Tab

when the cursor is in the last figuring zone.


b- Details Click on the tabulation , the details information screen appears:

Customer Type: The customer type code. It shows if the customer type is an individual, a corporate, etc. It must refer to an existing customer type in the customer type table. It can be captured or selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The description of the customer type

code appears automatically and cannot be modified.

Account Manager: The account manager. It indicates the person or the group of officers that manage the customer s and customers accounts. It must refer to an already defined Group of officers or individual person ID. It can be captured or



selected from the appearing list by pressing the key F9 or clicking on the icon List of Values . The name of the group or person appears automatically and cannot be modified.

Sales Person: The salesperson number. It must refer to an existing element in the Account Officers table. It can be captured or selected from the appearing list by

pressing the key F9 or clicking on the icon List of Values . The description of the sales person