BARODA MANIPAL SCHOOL OF BANKING, MANIPAL COUNTY CAMPUS,

BANGALORE
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Sundry / Suspense Accounts Pointing Accounts:
One of the accounting requirements in Banking is the ability to maintain transaction wise status of
each of the numerous transactions in a single account. At any point of time, the application should
enable the user to generate a statement containing information in respect of the adjustments
made, current outstandings and the age of each of the outstanding entries in the account. These
features are needed in some temporary or parking accounts used in banking. Such accounts are
called Sundry and Suspense accounts. In Finacle, the requirement is fulfilled through what are
called as Pointing Accounts.
Example of Sundry Accounts: Excess Cash Received Excess cash received by the branch cashier
on any day, if it cannot be reconciled, will be credited to this account. In the subsequent days, as
and when the branch is able to locate the true owners of this excess amount (assuming that the
excess amount belongs to more than one customer), part amounts are DEBITED to the account and
passed on to the customer concerned. When all such adjustments are completed, the originating
credit entry gets fully reconciled.
Example of Suspense Accounts: Advance paid to staff for training - When staff members proceed
for training, advance payments are made to each of such staff by debit to this suspense account.
After they return from training, part amounts are CREDITED to the account as and when they
refund a part of the advance taken and/or their claims are settled by the Bank. When all such
adjustments are completed, the originating debit entry gets fully reconciled.
Sundry Accounts always have credit balances in them and Finacle identifies them as CREDIT
POINTING accounts whereas Suspense Accounts will always be in debit and are called as DEBIT
POINTING accounts.
A useful feature of such accounts is that in Credit pointing accounts, the system will force you to
link an intended debit to the account with an already existing originating credit. Similarly, while
posting a credit transaction into a debit pointing account, you have to identify the originating debit
entry and link this credit to the same. This feature will help us in keeping track of the current
outstandings under each of the entries as also how long the entry has remained unadjusted.
Credit transactions in credit pointing accounts and debit transactions in debit pointing accounts are
like any other routine transactions. However, the other type of transactions viz. debits to a credit
pointing account and credits to a debit pointing account require some special treatment linkage to
the originating entries. This is completed as under:
While crediting in a Debit Pointing (Suspense) account, as soon as you complete entering details of
the entry in the Particulars field and press F 4, you are led to another screen which contains the

BARODA MANIPAL SCHOOL OF BANKING, MANIPAL COUNTY CAMPUS,

BANGALORE
FINACLE HANDOUTS
exact amount of your credit in two fields , viz. starting from and ending with. This in effect,
will enable you (after pressing F 4), to list out all outstanding originating debit entries for the exact
amount now being credited. The purpose is to enable you to locate the originating debit entry and
link the intended credit to the same based on the presumption that the amount being now credied
is exactly equal to the amount of the originating debit. However, if you want to have a complete list
of all originating debits irrespective of the amounts involved, you can generate the same by
removing the filters from the above fields (making the fields blank) and then pressing F 4. Linking
can be achieved by pressing Ctrl + F 4. Another F 4 will bring you back to the Enter Option field
of the concerned part tran. F 10 from here will complete the creation of the credit transaction.
Posting of the same has to be completed through another officer user, in the usual manner.
Similar procedure will have to be followed for handling Debit entries to Credit Pointing accounts by
replacing credit with debit and vice versa.
A statement of outstanding entries in such accounts can be generated using the menu MSGOIRP.
The statement will contain the following information about each of the outstanding entries in the
account.
Date of

Tran

Tran /

ID

Particulars

Original

Current

Date of last

Amount

0/s bal.

adjustment

Age in
days

Through such statements generated as and when required, the branch can keep track of all the
entries and monitor their final adjustments.

ADVANCES:
The flow of work involved in a credit facility:
The customer submits his application form along with supporting documents like balance sheets, IT
returns etc.
The credit department scrutinizes the application from all angles and decides whether the
applicants request can be considered or not and if it is to be considered, what is the quantum? In
most of the cases, the applicants premises / project site etc. are visited by an official of the Bank
to crosscheck the authenticity of the information declared by the applicant in the application form.
This is called Pre Sanction inspection.
Based on the above, the credit department prepares what is called as a Sanction Note or
proposal. This document records all aspects about the applicant and his project for which the
facility is sought by him and lists out the terms and conditions under which the facility is

BARODA MANIPAL SCHOOL OF BANKING, MANIPAL COUNTY CAMPUS,

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FINACLE HANDOUTS
sanctioned to him.

The main terms and conditions comprise of Amount sanctioned, ROI,

EMI/Instalment, Repayment holiday, Security to be offered, Third party guarantee etc. This
document is duly signed by the sanctioning authority and maintained along with the Security
Documents signed by the applicant till the closure of the facility.
An abstract of the terms and conditions of sanction taken from the Sanction Note is then entered
in to a letter addressed to the applicant. This is the Sanction Letter. An acknowledgement of
the applicant is obtained on the duplicate of the sanction letter and retained along with other
documents permanently.
The applicant then calls on the branch along with guarantor/s if any, and signs all the security
documents stipulated by the Bank for the facility and listed out in the Sanction Note. He also
creates in favour of the Bank the stipulated securities like mortgage of property etc. This stage is
refered to as Documentation.
The branch then proceeds to open an account for the facility in Finacle.

In case of loans,

disbursements are effected to make the amount available to the customer; in case of running
facilities like CC /OD, a cheque book is issued to the customer to enable him to utilize the facility
as and when he wants.
To ensure that the amounts disbursed to the borrower are utilized for the stated purpose, a few
more inspections called Post Sanction Inspections may be organized.
While the branch is expected to constantly monitor all advances accounts for repayments, there is
a periodic systemic mechanism called Review. The periodicity of review is usually once in a year.
This process of review is religiously carried out in operative advances accounts like Cash credits and
Overdrafts.

For medium /long term loans, it is sufficient to review them a little before the date

of expiry of the loans.

LOANS:

Opening of a Housing Loan account through WEB mode.

OAAC: First Screen Enter the mandatory fields Cust ID and Scheme Code.

Some of the

common scheme codes ; LA101 Car Loans, LA111 to LA128 Housing Loans, LA130/133/134
Educational Loans, LA172 Loan against Banks own Deposit, LA180 Gold Loans. Upon pressing F 4
you will be taken to the first section General Details. The first and the only mandatory field in
this section is on page 2 Pass Book/ Statement. For loans it is usually S Statement. F 4 will
bring you back in to the Option window.

BARODA MANIPAL SCHOOL OF BANKING, MANIPAL COUNTY CAMPUS,

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Other mandatory sections are Scheme Details (S), Interest Details (I), MIS Codes (V), Repayment
Schedules (E) and Document Maintenance (5).

Scheme Details (S): Mandatory fields to be entered here are:

Field
Loan Amount
Loan Period

Narration
Sanctioned Amount to be entered
Total period of repayment permitted by the Bank including moratorium

Operative A/c ID

period, if any
Usually the SB account of the borrower through which disbursements of
the loan and recovery of charges/interest/instalments etc. will be routed.

Interest Details (I): The only field you will be entering in, if at all, in this section, is Int. Demand
Effective Date. This will be entered ONLY if the Bank has agreed for the deferment of the
collection of interest that accrues during the moratorium period granted to the borrower for
commencing repayments. And in such cases, the date to be entered here will be the last date of the
month in which the first instalment falls due. The other possibility is that the Bank may stipulate
that the borrower should immediately pay whatever interest becomes due at the end of every
month. In that event, this field should be left blank; the system will populate the field with the
appropriate date subsequently.
After the account is opened, you will not be able to access this option (section) from the menu
ACM. In fact, this section gets attached to the Scheme Details (S) section and can be viewed as
an extension of the section S. Any modification, if needed, can be done through the menu ACM
only.

(The two important fields relating to interest are Int Demand Date from the Sn. E and Int
Demand Effective Date from the Sn. I. Int Demand Date is the date on which the next interest
debit will happen to the loan account whether or not the customer has been granted some
moratorium for repaying interest. The two possible dates that can be entered in this field are the
last date of the month in which the account is opened or a date which is one month after todays
date (a/c opening date). But Int Demand Effective date is the date from which the borrower is
expected to start repaying after taking in to account the moratorium period. Thus, whatever
interest is debited to a loan account till the Demand Effective Date will not be treated as having
become due even if the borrower does not pay any amount towards this!.)

BARODA MANIPAL SCHOOL OF BANKING, MANIPAL COUNTY CAMPUS,

BANGALORE
FINACLE HANDOUTS
MIS Codes (V): This section is aimed at classifying, for statistical / analytical purposes, the loan
account under various categories, sectors, types etc. by allotting predefined codes from a dropdown
list. Enter all the mandatory fields here.
Repayment Schedule Maintenance (E): The fields to be entered here are as under:
Field
Flow ID

Narration
Usually this field is prepopulated with the flow ID appropriate to the Scheme
Code under which the account is being opened. This should not be changed.
The usual IDs are EIDEM Equated Instalment demand, PRDEM Principal

Nos
Flow Start Date

Demand.
The number of instalments in which the loan is supposed to be repaid.
The date on which the first instalment becomes due usually the last day of

Flow Frequency

the concerned month.

Under this, there are 5 fields. In the first field enter the appropriate
frequency usually M for monthly. Second and Third fields being relevant to
weekly frequency, which is not common in India, should therefore be LEFT
BLANK. Fourth field relates to the date with reference to the value entered
in the first field. In the 5th field if the date entered in field no. 4 happens
to be a holiday, you have to choose one from P Previous day, N Next day or

Flow Amount

S Skip
This is the actual amount of each instalment. In case the default flow id is
EIDEM, the system itself will calculate and insert the value. In cases where
the flow ID is PRDEM, you have to enter the actual amount of instalment

Interest

Demand

Date

(Principal only).
The actual date on which the system will debit the loan account with interest
for the first time. - to be repeated on the same date every subsequent
month. It must be remembered that the system will keep on religiously
debiting the interest, month after month, whether or not the Bank has

Int Frequency

allowed a moratorium on the payment of interest/instalment.

Since the Banks standard policy is to charge interest on all loan accounts on a
monthly basis, the values to be entered in the five fields here will be

Del

M,-,-,31,P
To be left blank while opening a new account.

After entering all the relevant details as above, a F 4 will show you a popup window (only in the case
of scheme codes with EMI stipulations!) with the message EI amt. is [----] Do you want to
continue. You have to type Y in the box to finish entering in this section.
Document Maintenance (5): Banks security documents like DP Note, Term Loan agreement,
Guarantee Letter etc. are to be entered in this section. Bank stipulates a definite set of its

BARODA MANIPAL SCHOOL OF BANKING, MANIPAL COUNTY CAMPUS,

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FINACLE HANDOUTS
standard documents for each type of loan / advance. The fields to be entered here would be as
under:
Field
Doc Code
Due Date
Received Date

Narration
To be picked from a list of Banks standardized documents
Enter the date of opening of the account here.
The actual date on which the branch obtains the document. This should be

Remarks
Expiry Date

usually the same as the date of opening of the account.

Free field for entering any relevant detail about the document
The last date up to which the document is legally valid like 3 years for a DP
Note.

After entering one document, use down arrow key to start entering details of the next document.
Apart from the mandatory sections covered above, there are two more sections which are
important - Related Party Details (A) and Limit History Details (H). Section A is to be used to
add joint borrowers / guarantors to the loan account. This screen is the same as the one used for
entering the name of a joint depositor in a deposit account.
In Limit History Details (H), the following fields are mandatory on the first screen (page)
Field
Sanction Date
Expiry Date

Narration
The date on which the sanctioning authority has sanctioned the loan
The last date up to which the loan can be allowed to continue in the Bank as
per the terms of sanction; the period involved here should be the total

Document Date

repayment period allowed by the bank as also moratorium period, if any.

The date on which Banks standard set of security (stamped) documents are

executed by the borrowers.

Review Date
For long term loans, it is usually one year prior to the expiry date;
Sanction Level
Pick up the appropriate value from a list
Sanction Auth
Pick up the appropriate value from a list
Sanction Ref#
The reference number given to the sanction note/proposal
In the second screen, the only mandatory field is Drawing Power Indicator. The most commonly
used values are D Derived and E Equal to Sanctioned Limit. For all loan accounts, E is to be
chosen while D is used for Cash Credit accounts wherein drawing power is directly related to the
value of the collateral (main security). In BOB, for loans against Banks own deposits (LABOD) also,
DP indicator has been mandated to be D only.
Final key F 10 will generate a temporary account ID which has to be VERIFIED by an officer to
obtain the permanent account ID.
Opening of a Housing Loan account through ONS mode.

BARODA MANIPAL SCHOOL OF BANKING, MANIPAL COUNTY CAMPUS,

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HOAACLA:

First Screen Enter the mandatory fields Cust ID and Scheme Code. Some of the

common scheme codes ; LA101 Car Loans, LA111 Housing Loans, LA130/133/134 Educational
Loans, LA172 Loan angst banks own Deposit, LA180 Gold Loans. Click on Accept.
The section or Tab that opens first will be always be General. Fill up all mandatory fields. Click on
validate and if everything is fine click on the next tab A/c Interest.
A/c Interest: Generally all the mandatory fields here would have been entered at the Data Centre
level itself and you have to just validate to ensure that no mandatory field is left out. Checkup
whether the default populated interest rate code is the correct one. Click on the next tab
Scheme.
Scheme: Fields to be entered here are Loan Amt., Loan Period, Operative a/c ID. Click on the
next tab LA interest.
LA interest: Generally all the mandatory fields here would have been entered at the Data Centre
level itself and you have to just validate to ensure that no mandatory field is left out. The field
Interest Demand Effective date is an important one. This field is to be touched by you only if
the borrower has been permitted a moratorium for the payment of interest. For example, in an
account opened today (10-7-2013), if the borrower is granted a moratorium of 6 months for
payment of interest, the date to be entered in this field will be 31-01-2014. Click on the next tab
Flow Parameters.
Flow Parameters: Field to be entered here is No. of instalments. Other important fields are a)
Instalment start date If any repayment holiday is to be granted, the default populated date
which is normally one month from the current date has to be changed appropriately. b) Int. start
date This will be usually one month from the current date in all cases. Even if the instalment
start date is 12 months away from the current date, interest start date has to be one month from
current date only. c) Interest during holiday period - The default value in this field is A- Apply.
In case there is no repayment holiday, you have to enterN -Not applicable. Click on validate to
ensure that no mandatory field is left out. Click on the next tab Flow Details.
Flow Details: The screen displays the repayment schedule along with the EMI amount calculated by
the system. Click on validate to ensure that no mandatory field is left out. If you want to see the
amortization schedule click on the button below. Click on the next tab MIS Codes.
MIS Codes: Enter appropriate codes in all the mandatory fields. Click on the next tab Documents.
Documents: Enter all the documents obtained in the loan account.
In case, there is a guarantor or partners or coborrowers to the account, details of these persons
will have to be entered through the tab Related Party.

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Upon submitting, you will get the temp a/c ID.
Verification: An officer has to verify the creation of the account through the menu HOAACVLA.
If he wants to discard the newly opened account and not verify, he can use the function X Cancel,
from the same menu. Although the tab Limit Details is not mandatory while opening the account,
it is mandatory at the time of verification. Permanent account ID will be displayed at the end of the
verification process.

Opening of Loan against Banks Own Term Deposit through Web mode:
Menu OAAC:
In the first screen choose the scheme code (LA172) and enter the Cust ID. F 4 will take you to the
General Details section. Press F4 to check up if any mandatory field is to be filled up. If nothing is
there, you will be taken to the next screen in General Details. Enter values in the fields Pass Book
/ stmnt, Local Calendar & Despatch Mode and press F 4 . The system will alert you about
manually entering the actual ROI applicable to the loan in the field A/c Pref Int (Dr).
It must be noted here that the interest table attached to this particular scheme code (LA 172) is
LZERP meaning a table carrying a zero ROI. That is why you are required to enter the exact ROI
chargeable to the loan in the field A/c Pref Int (Dr).
F 4 will bring you back to the option box after completing entries in all mandatory fields of the
section General Details. The other mandatory sections to be gone through will be a) S-Scheme
Details b) V -MIS Details c) I -Interest Details d) E -Repayment Details and e) 5 - Document
Details.
Enter S in the option box and get in to Scheme Details by pressing F 4. Mandatory fields to be
entered here are Loan Amount and Loan Period. The loan period should be such that the entire
loan (single instalment or bullet payment) becomes due exactly on the date of maturity of the term
deposit receipt against which the loan is being sanctioned. With an F 4 you will be back at the
option box.
Choose V to enter MIS Details , complete all the mandatory entries inside and come out with F 4.
Next option will be I Interest Details. The only field you will be entering in is Int. Demand
Effective Date. This date will be the date of maturity of the term deposit.
(The two important fields relating to interest are Int Demand Date from the Sn. E and Int
Demand Effective Date from the Sn. I. Int Demand Date is the date on which the next interest

BARODA MANIPAL SCHOOL OF BANKING, MANIPAL COUNTY CAMPUS,

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FINACLE HANDOUTS
debit will happen to the loan account whether or not the customer has been granted some
moratorium for repaying interest. The two possible dates that can be entered in this field are the
last date of the month in which the account is opened or a date which is one month after todays
date (a/c opening date). But Int Demand Effective date is the date from which the borrower is
expected to start repaying after taking in to account the moratorium period. Thus, whatever
interest is debited to a loan account till the Demand Effective Date will not be treated as having
become due even if the borrower does not pay any amount towards this!.)
Choose the next option as E Repayment Details. Flow ID, by default will be PRDEM.

Enter 1

under Flow No.s, the date of maturity of the term deposit under Flow Start date.

Flow

frequency should be M(or Y)-Blank-Blank-todays date-P(or N). Flow amount should be equal to the
sanctioned amount. Int Demand Date must be the last date of the month in which the account is
being opened. Int Freq will be automatically populated by the system as M-Blank-Blank-31-P.
After coming out of Repayment Details with an F 4, get in to the option 5 Document Details.
Details of the documents / agreements etc obtained by from the borrower must be entered here.
F 10 will display a temporary a/c ID. Please note it down.
Verification: An officer has to verify the creation of the account through the menu OAACAU. If
he wants to discard the newly opened account and not verify, he can use the function X Cancel,
from the same menu. Permanent a/c ID will be displayed after completing the verification process.
Transactions in a loan account:
Any transaction in a loan account can be either a credit or a debit. All transactions in a loan account
must compulsorily be attached with a flow ID. The usual flow IDs employed are as under:
Type of tran

Debit

Credit

Purpose / Reason
Disbusrement Directly related to the

Flow ID used
DISB

stated purpose of the loan

Inspn. / Processing chgs. Etc
Legal fees, other expenses incurred on

BCDEM
OCDEM

behalf of the borrower

Recoveries in standard loans
Reversals of wrong debits effected

COLST
Same ID as was used for the debit

earlier
entry now being reversed
Processing Fees: To be collected using the menu LAFACR or HLAFACR. Alternately, if you
disburse the loan using the menu LADISB or HLADISB, there is a built-in mechanism in these
menus to check up whether the processing fees are recovered or not. If not recovered, you may
effect the disbursement net of the processing fees.

BARODA MANIPAL SCHOOL OF BANKING, MANIPAL COUNTY CAMPUS,

BANGALORE
FINACLE HANDOUTS
Disbursement: Disbursements (directly related to the stated purpose of the loan) not allowed
through TM. Use the menu LADISB or HLADISB. For debiting any charges etc. through the menu
TM, the flow ID to be used is OCDEM or BCDEM.
While using LADISB or HLADISB, every time you will be taken through the Fees Assessment
screen. If some fees are due and payable, an entry for the fees due will appear in the screen. If no
fees are due or fees have already been collected, the screen will have a message no records
selected. By pressing F 3 / (Accept) here, you are taken to the transactions screen. Press F 10 /
(Submit) and the process is complete with a message popping up Tran ID ---- posted successfully /
Disbursement done Successfully (ONS).
Wrongly disbursed transactions can be reversed by crediting the same amount through the menu
TM.
Demand Generation and Demand Satisfaction: Finacle recognises the amounts that fall due in a
loan account by way of principal, interest, other charges etc. only after a batch programme ( Menu
LADGEN) is run at the time of EOD every day. This process is called Demand Generation. Demands
in respect of principal and all other charges except interest- are generated immediately after
LADGEN is run. Demand in respect of interest and penal interest is generated after the system
runs the interest ACINT- which process actually creates and posts the individual interest debits
to the account. Immediately upon completion of the demand generation, the system runs another
batch programme (Menu LADSP) called Demand Satisfaction. During this process, the system scans
the operative accounts of all the loan accounts at the branch with outstanding (unsatisfied)
demands and recovers whatever balance is available to satisfy the outstanding demands. In such of
the accounts where unsatisfied demand exists, the system marks a negative lien on the operative
accounts through another process (Menu LALIEN).
Recoveries:
Can be accepted through TM or LAPAY. In TM, select the default Flow ID COLST Collection
flow for Standard Loans. After selecting using F 4, you are taken to a screen which gives you the
breakup of the various demands to which the amount being paid by the borrower is apportioned.
In your Bank, the order in which this adjustment takes place is OCDEM/BCDEM, PIDEM, INDEM
and PRDEM and that too starting from the oldest outstanding demand. Another F 4 will bring you
back to the TM part tran screen. From here, complete the transaction in the usual manner.
If you use LAPAY, in the field Function, enter S for scheduled payment (i.e. payment of amounts
which have already become due) or U for Unscheduled payment (payments being made before
becoming due). In the field Cr. Excess to LA Pay A/c? always enter N. An F 4 will take you to the
next screen wherein you will get the breakup of the apportioning being made. But this breakup will
not be in as much detail as in the case of TM.

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BARODA MANIPAL SCHOOL OF BANKING, MANIPAL COUNTY CAMPUS,

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Menus TM and LAPAY are to be used for accepting repayments in a loan account. For the final
repayment or closure of an account, there is a specialized menu PAYOFF or HPAYOFF.
Closure: Menus PAYOFF or HPAYOFF. Not working right now!
PAYOFF has a function Trial, which can be used to get an idea about the total amount required to
close an account. P is to be used for actual closure.

Once the total amount payable by the

borrower is displayed on the screen, press F 4. From the option window here, choose create
closure transaction and press F 4. Details of the credit and debit part trans for the closure
transaction to be created will be displayed here. If you observe the credit part trans closely, you
will notice that there will be usually TWO part trans created one for the actual amount due till
date, as per the repayment schedule, and the other representing the amount being prepaid. After
commit (F 10) from here, you will get a Tran ID with the message that the same is posted.

This

needs to be verified subsequently.

The process of closure is complete only when the above is followed up with CAAC and verification
through CAACAU. To cross check whether the account has been closed or not you can invoke ACLI
where the date of closure will be displayed.

LOAN ACCOUNTS IMPORTANT PARAMETERS AT A GLANCE

PARAMETER
Sanctioned Limit

WHERE TO FIND ?
OAAC S, H; ACLHM S

USEFUL NOTES

Interest

a) ROI loaded in Sch Code through Int Table Code. In the

case of LABOD, the default Int. table Code is LZERP
carrying a zero rate. Actual rate on the LABOD has,
therefore, got to be entered through the field A/C
preferential Interest(Dr.).
b) Preferential int. page two of General Details ( G or 0Zero)
c) To see the schedule of interest rates attached to an
Interest Table code - LAITCI
d) Inquiry and Modification through INTTM- After the
account is opened.
e) Int Dem Date Sn. E Int Dem effective Date Sn. I in
OAAC or Last field in INTTM
f) Calculation/application of int. ACINT. Usually done
automatically as a batch job at the time of EOD on the

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BARODA MANIPAL SCHOOL OF BANKING, MANIPAL COUNTY CAMPUS,

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appointed date every month. If needed, interest can be
applied through a forced run manually using the same
menu.
LAFACR ,

Colln. Of Fees / Charges

TM.

There is a built-in mechanism of cross

checking if any fees are due in a Loan account EVERYTIME

you use the menu LADISB for disbursing the loan.
LADISB. Reversal of Disb through TM
OAAC Sn. E of Principal, Interest or P + I (EMI).

Disbursement
Repayment

Accepting Repayment LAPAY or TM

Closure PAYOFF
Amendment / Rescheduling of

Generation of Amortisation Table for EMI Loans - LARSH

HLARA

Loans
Internal

Activated automatically during EOD everyday through the

Processes

for

Demand Generation, Demand

satisfaction

menus LADGEN, LADSP, LALIEN

and

Marking/Cancelling of Lien for

unsatisfied/satisfied
Demands
Information about Overdues
Information about loans/ Loan

a) Report can be generated through LAOPI

b) Inquiry through ACM Opt. E Shift + F4
LAMOD

calculator
Security Documents
Attachment of Security

OAAC Sn. 5
SRM

Insurance

Details

Inspection

Details

Lodgement

and

Release

of

securities
Asset Classification

Done by the system automatically; for manual intervention -

Transfer to another SOL

Transfer between Scheme

BOBMEAC
ACXFRSOL
ACXFRSC

Codes in the Same Scheme

Type LAA

B15_FH4_140715

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