Quick Reference to Understanding Cra Edits

1997 CRA EDITS QUICK REFERENCE TO UNDERSTANDING CRA EDITS

The edits that follow have been developed to ensure an error-free submission of the CRA data, which are required to be reported by Regulation BB (Community Reinvestment). These edits should be incorporated into your automated systems. Data reported will be edited using the edits specified in this document.

Edit Types

Current CRA edits are divided into two edit types: Syntactical and Validity. Each type represents the severity of the error and should be thoroughly understood to ensure that the data are accurate and reported in their entirety.

$ Syntactical(S)- Loan records that have errors that prevent these records from being uploaded to the database. These errors range from incorrect activity dates to duplicate records (which indicate that the property combination for those record identifiers were used more than once). Loan records containing syntactical errors will not be recognized on the database until the appropriate correction has been made.

$ Validity(V) - Loan applications that have factually or logically incorrect information reported. The most common validity error is incorrect census tract/BNA numbers.

In addition, the following type of edit is a consideration for the future, but is not currently being performed.

$ Quality(Q) - Loan information which, while it may pass all syntactical and validity edits, is nevertheless statistically unusual and is subject to further investigation or review to ascertain correctness.

V125 compares the number of records reported (excluding the transmittal sheet record) to the number of records calculated on the transmittal sheet. This edit is performed to verify that all data have been reported.

V200 verifies that a transmittal sheet was received with each respondent's submission.

Any of syntactical or validity edits that are not corrected will result in an erroneous disclosure statement. Loan records with edits will NOT be represented on the disclosure statements.

An error-free CRA submission will result in an accurate disclosure statement.

i October 14, 1996

EXPLANATION OF PROPERTY LOCATION VALIDITY EDITS

The Community Reinvestment Act requires large financial institutions to collect, maintain, and report the property location information (MSA/State/County/Census Tract-BNA) for small business and small farm loans, community development loans, consortium/third party loans (optional), and the assessment area(s) in which the institution serves.

Small farm and small business loans MUST contain a valid MSA/State/County/Census Tract-BNA combination. If the property is located outside of an MSA, then "NA" should be reported in the MSA field.

EXPLANATION OF ASSESSMENT AREA EDITS

The assessment area may be reported by census tract-BNA; however, it is permitted to report the assessment area property location information at a summary level. "NA" in the MSA field represents an area outside of any metropolitan statistical area. "NA" in the state, county, or census tract/BNA field(s) represents the defined area (state, county, or census tract/BNA) in its entirety. For example, an NA entry in the census tract/BNA field represents all census tracts/BNAs for the MSA/state/county combination represented.

Below are the six combinations of how the property location information can be reported on the assessment area record. Assume that each of these examples are individual assessment areas. The combinations reported in these examples represent MSA/State/County/Census Tract-BNA combinations.

# 8840/NA/NA/NA - The assessment area encompasses all census tracts and BNA numbers in MSA 8840.

# 8840/51/NA/NA - The assessment area encompasses only the census tracts and BNA numbers in MSA 8840 AND state 51.

# NA/51/059/NA - The assessment area encompasses all census tracts and BNA numbers (if any) in state 51 AND county 059 that are outside of an MSA.1

# 8840/51/059/NA - The assessment area encompasses all census tracts and BNA numbers (if any) in MSA 8840, state 51, AND county 059.

# 8840/51/059/0001.00 - The assessment area encompasses only census tract 0001.00 in county 059, state 51, and MSA 8840.

# NA/51/059/0001.00 - The assessment area encompasses only that part of census tract 0001.00 in county 059, state 51, and not in an MSA.

1 1Most counties are encompassed in their entirety in one MSA or non-MSA area; however, there are 33 counties in New England that are split either between MSAs or between MSA and non-MSA areas. These counties are split into as many as four MSA/non-MSA areas. It may be necessary to report multiple combinations to include an entire county. For example, if NA/51/059/NA is being reported and the county is split, this combination will only represent the portion of the county that is in a non-MSA area.

ii October 14, 1996 These are the only six MSA/State/County/Census tract-BNA combinations that are acceptable in reporting assessment areas. These six examples may be combined to expand the scope of the assessment area.

+/-: INCLUDE/EXCLUDE PROPERTY LOCATIONS IN THE ASSESSMENT AREA

To include or exclude property locations in the assessment area, a "+" or "-" is required to be indicated in the field prior to the property location fields. The "+" indicates that the forthcoming property location is to be included in the assessment area. The "-" represents an exclusion from the assessment area.

EXAMPLES: REPORTING ASSESSMENT AREAS USING INCLUDES AND EXCLUDES

The following examples illustrate how assessment areas should be reported. The geographic locations of the Atlanta (0520), Georgia (13), MSA and the St. Louis (7040), Missouri (29) - Illinois (17) MSA are used in the examples provided below.

! If your assessment area encompasses an entire MSA, the data should be reported as follows:

INCLUDE/ CENSUS EXCLUDE (+/-) MSA STATE COUNTY TRACT/BNA + 0520 NA NA NA

This example includes the entire Atlanta (0520) MSA. The (+) symbol indicates "include" and NA indicates that all geographies located within MSA 0520 are included.

! If your assessment area encompasses an entire MSA, less one county located in the MSA, the data should be reported as follows:

INCLUDE/ CENSUS EXCLUDE (+/-) MSA STATE COUNTY TRACT/BNA + 0520 NA NA NA - 0520 13 151 NA

The example includes the entire Atlanta (0520) MSA, less one county (Henry - 151) located in Georgia (13). The (-) symbol indicates "exclude".

A second example demonstrates an assessment area that encompasses an entire MSA, less three counties:

INCLUDE/ CENSUS EXCLUDE (+/-) MSA STATE COUNTY TRACT/BNA + 0520 NA NA NA - 0520 13 151 NA - 0520 13 063 NA - 0520 13 067 NA

This example excludes three counties (Henry - 151, Clayton - 063, and Cobb - 067) located in the Atlanta

iii October 14, 1996 (0520) MSA.

iv October 14, 1996 ! If your assessment area encompasses all census tracts in one county (in one MSA), the data should be reported as follows:

INCLUDE/ CENSUS EXCLUDE (+/-) MSA STATE COUNTY TRACT/BNA + 0520 13 089 NA

This example includes one county (De Kalb - 089) and all its census tracts (NA) located in the Atlanta (0520) MSA.

! If your assessment area encompasses several census tracts located in one county of an MSA, the data should be reported as follows:

INCLUDE/ CENSUS EXCLUDE (+/-) MSA STATE COUNTY TRACT/BNA + 0520 13 089 0213.01 + 0520 13 089 0213.02 + 0520 13 089 0213.03 + 0520 13 089 0213.04

This example includes four census tracts in one county (De Kalb - 089) located in the Atlanta (0520) MSA.

! An MSA may be located in more than one state. For example, the St. Louis, MO-IL (7040) MSA is located in Missouri and Illinois. If your assessment area encompasses two counties within an MSA and each county is located in a different state, the data should be reported as follows:

INCLUDE/ CENSUS EXCLUDE (+/-) MSA STATE COUNTY TRACT/BNA + 7040 29 099 NA + 7040 17 119 NA

This example includes one county (Jefferson - 099) in Missouri (29) and one county (Madison -119) in Illinois. All other counties located in the St. Louis (7040) MSA (both Missouri and Illinois) are not included in this assessment area.

! If your assessment area encompasses a whole county with the exception of one census tract/BNA in that county, the data should be reported as follows: INCLUDE/ CENSUS EXCLUDE (+/-) MSA STATE COUNTY TRACT/BNA + 0520 13 151 NA - 0520 13 151 0112.01

This example includes the entire county (Henry - 151) less one census tract/BNA (0112.01) in that county.

The aforementioned examples of how to define your assessment area are not exhaustive. The six core property location combinations should be used in conjunction to properly define your assessment area.

v October 14, 1996 LOAN REGISTER Page ____of____ Form FR CRA-LR Agency Reporter's Identification Number Code

______└──┴──┴──┴──┴──┴──┴──┴──┴──┴──┘ ¯ └──┘ Name of Reporting Institution City, State, Zip

Loan Information Loan Action Property Business/ Affiliate amount Four- Two- Three- Farm Lending in Digit Digit Digit Six-Digit Gross Flag Annual Loan Number thou- Date MSA State County Census Income: Revenue Type sands Type (mm/dd/yy) Number Code Code Tract Consumer in Loans thousands Example of Loan Originated L│B│-│6│8│7│4│3│9│ 2 00065 1 02/22/93 8840 51 059 4│2│1│9│.│8│5 1 0 1 Example of Loan Purchased 0│1│2│3│4│5│6│7│8│9│-│9│8│7│6│5│4│3│2│1│0│ 1 00125 6 04/30/93 0450 01 015 0│0│2│1│.│0│0 3 0 2 (A) (B) 8 (D) (E) (F) (G) (H) (I) (J) (K) (L)

All columns must be completed for each entry. See the CRA-LR instructions for explanations regarding the proper use of each code listed below. Loan Information Business/Farm Gross Annual Revenue (J) Affiliate Lending Flag: (L)

Type: (B) 1 -- < $1 million 1 -- Loan Origination/Purchase taken by the bank 2 -- >$1 million 2 -- Loan Origination/Purchase taken by an affiliate 01 -- Small Business 3 -- Not Known 02 -- Small Farm 4 -- NA; Consumer Loan 03 -- Other Secured Lines of Credit for Purposes of Small Business 04 -- Home Equity 05 -- Motor Vehicle 06 -- Credit Card 07 -- Other Secured Consumer Loans 08 -- Other Unsecured Consumer Loans 09 -- Other Loan Data

Action Taken: (D) Income: Consumer Loans (in Thousands) (K) Numeric 1 -- Loan originated 6 -- Loan purchased by your institution 0 -- Small Farm/Business Loan or income not relied upon in credit decision

Otherwise, collect the income used in making the credit decision

vi October 14, 1996 SYNTACTICAL & VALIDITY EDITS FOR COMMUNITY REINVESTMENT ACT (CRA)

EDCK Transaction Item(s) Edit Test Edit Explanation S001 Record Identifier Record identifier must = 3 (CRA Record identifier does not transmittal), 4 (business loan data), equal 3 (CRA transmittal), 4 5 (farm loan data), 6 (community (business loan data), 5 (farm development loan data), 7 loan data), 6 (community (consortium/third party loan data), or development loan data), 7 8 (assessment area). (consortium/third party loan data), or 8 (assessment area) S002 Timestamp Timestamp must be later than timestamp Record timestamp is earlier on database and < the current date. than, or equal to, timestamp on database and/or greater than the current date S003 Agency Code Agency code must = 1, 2, 3, or 4. Agency code not in range 1-4

S004 Control Number Control number must = a valid Invalid Respondent Respondent Identifier/Agency Code Identifier/Agency Code combination for date processed. combination

S005 Timestamp Timestamp must be numeric Timestamp is missing or nonnumeric S006 Transaction Code Transaction code must = 2. Transaction code does not equal 2

S007 Activity Year Activity Year must = year being Invalid Activity Year processed (=1997). S008 Composite Loan Records If record identifier = 4 or 5, then MSA/State/County/Census - Duplicates MSA/State/County/Census Tract-BNA Tract-BNA combination is Combination must be unique within the reported more than once for same record identifier. record identifiers "4" or "5" S009 Transmittal Sheet, Record identifiers 3, 6, and/or 7 may Loan Record is reported more

1 October 14, 1996 Community Development not be represented in a transmission than once for record and Third more than once identifiers A3", A6", and/or Party/Consortium Loan 7" Records - Duplicates A V100 Respondent Mailing Respondent name, address, city, state, Respondent name, address, Address and zip must not be blank. city, state, or zip is missing

V105 Contact Person's Name Name of contact person must not be Name for contact person is blank. missing V110 Contact Person's Contact person telephone number must Telephone number for contact Telephone Number be in 999-999-9999 format and not = person is not in valid blank. format/missing V115 Tax Identification (ID) Tax ID number must be in NN-NNNNNNN Tax ID number not in valid Number format, not = 00-0000000, and not = format/missing blank. V120 Fax Number Fax number must be in 999-999-9999 Fax number not in valid format and not = blank. format/missing V125 Total Records The number of records received in this Total records received in submission for the same respondent this submission for the same does not equal the total number of respondent are missing or not records calculated in this submission equal to the total number of or is missing. records calculated in this submission. V200 Record Identifier If record identifier = 4, 5, 6, 7, or CRA Transmittal sheet (record 8, then record identifier "3" must be 3) missing for record 4, 5, in this transmission for the same 6, 7, or 8 respondent. V300 MSA Number MSA must = a valid MSA FIPS code for MSA number is missing, does period being processed or NA. not equal NA or a valid FIPS code V305 State Code State must equal a valid FIPS code. State number is missing or does not equal a valid FIPS

2 October 14, 1996 code Compo site Loan Recor ds(on ly): Busin ess/F arm Loans : Perfo rm where Recor d Ident ifier = 4 and/o r 5 V310 State/County Codes State and county must = a valid County missing or combination. state/county does not equal a valid combination V315 MSA/State/County If MSA does not = NA, then MSA, state, MSA/state/county does not and county must equal a valid equal a valid combination combination. V320 MSA/State/County/Census Census tract-BNA must = a valid census Census Tract-BNA is missing Tract-BNA tract or BNA number for the or does not equal a valid MSA/state/county combination or census tract-BNA number (Census tract-BNA must = a valid census tract or BNA number for the state/county combination where MSA = NA). V325 Action Type - Number of loans originated with loan Number of small business Originated amount at origination < $100,000 must and/or small farm loans

3 October 14, 1996 be > 0. originated not > 0 V327 Action Type - If the number of loans originated with Number of small business Originated loan amount at origination < 100,000 and/or farm loans originated is > 0, then the total loan amount of > 0 and total loan amount not loans originated with loan amount at > 0. origination < 100,000 must be > 0. V330 Loan Amount - Total loan amount of loans originated Total loan amount of small Originated with loan amount at origination < business and/or small farm $100,000 must be > 0. loans originated not > 0 V332 Loan Amount - If the total loan amount of loans Total loan amount of small Originated originated with loan amount at business and/or farm loans origination < 100,000 is > 0, then the originated > 0 and number of number of loans originated with loan loans not > 0. amount at origination < 100,000 must be > 0. V335 Average Loan Amount - Average loan amount of loans Average loan amount of small Originated originated with loan amount at business and/or small farm origination < $100,000 must be < loans originated not < $100,000. $100,000 V340 Action Type - Purchased Number of loans purchased with loan Number of small business amount at origination < $100,000 must and/or small farm loans be > 0. purchased not > 0 V342 Action Type - Purchased If the number of loans purchased with Number of small business loan amount at origination < 100,000 and/or farm loans purchased > is > 0, then the total loan amount of 0 and total loan amount not > loans purchased with loan amount at 0. origination < 100,000 must be > 0. V345 Loan Amount - Purchased Total loan amount of loans purchased Total loan amount of small with loan amount at origination < business and/or small farm $100,000 must be > 0. loans purchased not > 0 V347 Loan Amount - Purchased If the total loan amount of loans Total loan amount of small purchased with loan amount at business and/or farm loans origination < 100,000 is > 0, then the purchased > 0 and number of number of loans purchased with loan loans not > 0.

4 October 14, 1996 amount at origination < 100,000 must be > 0. V350 Average Loan Amount - Average loan amount of loans purchased Average loan amount of small Purchased with loan amount at origination < business and/or small farm $100,000 must be < $100,000. loans purchased not < $100,000 V355 Action Type - Number of loans originated with loan Number of small business Originated amount at origination > $100,000 and < and/or small farm loans $250,000 must be > 0. originated not > 0 V357 Action Type - If the number of loans originated with Number of small business Originated loan amount at origination > $100,000 and/or farm loans originated and < $250,000 is > 0, then the total > 0 and total loan amount not loan amount of loans originated with > 0. loan amount at origination > $100,000 and < $250,000 must be > 0. V360 Loan Amount - Total loan amount of loans originated Total loan amount of small Originated with loan amount at origination > business and/or small farm $100,000 and < $250,000 must be > 0. loans originated not > 0 V362 Loan Amount - If the total loan amount of loans Total loan amount of small Originated originated with loan amount at business and/or farm loans origination > $100,000 and < $250,000 originated > 0 and number of is > 0, then the number of loans loans not > 0. originated with loan amount at origination > $100,000 and < $250,000 must be > 0. V365 Average Loan Amount - Average loan amount of loans Average loan amount of small Originated originated with loan amount at business and/or small farm origination > $100,000 and < $250,000 loans originated not > must be > $100,000 and < $250,000. $100,000 and < $250,000 V370 Action Type - Purchased Number of loans purchased with loan Number of small business amount at origination > $100,000 and < and/or small farm loans $250,000 must be > 0. purchased not > 0 V372 Action Type - Purchased If the number of loans purchased with Number of small business loan amount at origination > $100,000 and/or farm loans purchased >

5 October 14, 1996 and < $250,000 is > 0, then the total 0 and total loan amount not > loan amount of loans purchased with 0. loan amount at origination > $100,000 and < $250,000 must be > 0. V375 Loan Amount - Purchased Total loan amount of loans purchased Total loan amount of small with loan amount at origination > business and/or small farm $100,000 and < $250,000 must be > 0. loans purchased not > 0 V377 Loan Amount - Purchased If the total loan amount of loans Total loan amount of small purchased with loan amount at business and/or farm loans origination > $100,000 and < $250,000 purchased > 0 and number of is > 0, then the number of loans loans not > 0. purchased with loan amount at origination > $100,000 and < $250,000 must be > 0. V380 Average Loan Amount - Average loan amount of loans purchased Average loan amount of small Purchased with loan amount at origination > business and/or small farm $100,000 and < $250,000 must be > loans purchased not > $100,000 and < $250,000. $100,000 and < $250,000 V385 Action Type - Number of loans originated with loan Number of small business Originated amount at origination > $250,000 must and/or small farm loans be > 0. originated not > 0 V387 Action Type - If the number of loans originated with Number of small business Originated loan amount at origination > $250,000 and/or farm loans originated is > 0, then the total loan amount of > 0 and total loan amount not loans originated with loan amount at > 0. origination > $250,000 must be > 0. V390 Loan Amount - Total loan amount of loans originated Total loan amount of small Originated with loan amount at origination > business and/or small farm $250,000 must be > 0. loans originated not > 0 V392 Loan Amount - If the total loan amount of loans Total loan amount of small Originated originated with loan amount at business and/or farm loans origination > $250,000 is > 0, then originated > 0, but number of

6 October 14, 1996 the number of loans originated with loans = 0. loan amount at origination > $250,000 must be > 0. V395 Average Loan Amount - Average loan amount of loans Average loan amount of small Originated originated with loan amount at business and/or small farm origination > $250,000 must be > loans originated not > $250,000. $250,000 V400 Action Type - Purchased Number of loans purchased with loan Number of small business amount at origination > $250,000 must and/or small farm loans be > 0. purchased not > 0 V402 Action Type - Purchased If the number of loans purchased with Number of small business loan amount at origination > $250,000 and/or farm loans purchased > is > 0, then the total loan amount of 0 and total loan amount not > loans purchased with loan amount at 0. origination > $250,000 must be > 0. V405 Loan Amount - Purchased Total loan amount of loans purchased Total loan amount of small with loan amount at origination > business and/or small farm $250,000 must be > 0. loans purchased not > 0 V407 Loan Amount - Purchased If the total loan amount of loans Total loan amount of small purchased with loan amount at business and/or farm loans origination > $250,000 is > 0, then purchased > 0 and number of the number of loans purchased with loans not > 0. loan amount at origination > $250,000 must be > 0. V410 Average Loan Amount - Average loan amount of loans purchased Average loan amount of small Purchased with loan amount at origination > business and/or small farm $250,000 must be > $250,000. loans purchased not > $250,000 V415 Action Type - Number of loans with gross annual Number of small business revenues < $1 million must be > 0 and and/or small farm loans with must not exceed the total number of gross annual revenues < $1 loans for all >Action Types= in this million not > 0 and/or exceed record. the total number of loans in this record.

7 October 14, 1996 V417 Action Type - If the number of loans with gross Number of small business annual revenues < $1 million is > 0, and/or small farm loans > 0 then the total loan amount with gross and total loan amount not > 0 annual revenues < $1 million must be > 0. V420 Loan Type - Total loan amount of loans with gross Total loan amount of small annual revenues < $1 million must be > business and/or small farm 0 and must not exceed the total loan loans not > 0 and/or exceed amount for all >Loan types= in this the total loan amount in this record. record. V422 Loan type - If the total loan amount of loans with Total loan amount of small gross annual revenues < $1 million is business and/or small farm > 0, then the number of loans with loans > 0 and number of loans gross annual revenues < $1 million not > 0 must be > 0. V425 Affiliate - Number of Number of loans reported by affiliates Affiliate lending is greater Loans must be < total number of loans than the total number of reported in all 'Action Types' of this loans reported in this record record and > 0. and/or not > 0. V427 Affiliate - Number of If the number of loans reported by Number of small business Loans affiliates is > 0, then the total loan and/or small farm loans > 0 amount reported by affiliates must be and total Loan amount not > 0 > 0. V430 Affiliate - Loan Amount Total loan amount of loans reported by Affiliate lending is greater affiliates must be < total loan amount than the total loan amount of reported in all 'Loan Types' of this loans reported in this record record and > 0. and/or not > 0. V432 Affiliate - Loan Amount If the total loan amount reported by Total loan amount of small affiliates is > 0, then the number of business and/or small farm loans reported by affiliates must be > loans > 0 and number of loans 0. not > 0 V435 Action Type - Number of loans originated with gross Number of small business

8 October 14, 1996 Originated annual revenues < $1 million must be > and/or small farm loans 0 and must not exceed the total number originated with gross annual of loans originated for all >Action revenues < $1 million not > 0 Types= in this record. and/or exceed the total number of loans originated in this record. V440 Loan Type - Originated Total loan amount of loans originated Total loan amount of small with gross annual revenues < $1 business and/or small farm million must be > 0 and must not loans purchased not > 0 exceed the total loan amounts and/or exceed the total loan originated for all >Loan Types= in amounts originated for this this record. record V445 Action Type - Purchased Number of loans purchased with gross Number of small business annual revenues < $1 million must be > and/or small farm loans 0 and must not exceed the total number purchased with gross annual of loans purchased for all >Action revenues < $1 million not > 0 Types= in this record. and/or exceed the total number of loans purchased for this record. V450 Loan Type - Purchased Total loan amount of loans purchased Total loan amount of small with gross annual revenues < $1 business and/or small farm million must be > 0 must not exceed loans purchased not > 0 the total loan amounts purchased for and/or exceed the total loan all >Loan Types= in this record. amounts purchased for this record V600 Action Type Total number of community development Number of community loans originated or purchased must be development loans originated > 0. or purchased not > 0 V602 Action Type If the total number of community Total number of community development loans originated or development loans > 0 and purchased is > 0, then the total loan total loan amount not > 0. amount of community development loans should be > 0. V605 Loan Amount - Total loan amount of community Total loan amount of development loans originated or community development loans

9 October 14, 1996 purchased must be > 0. originated or purchased not > Compo 0. site Loan Recor ds(on ly): Commu nity Devel opmen t Loans : Perfo rm where recor d ident ifier = 6 V607 Loan Amount - If the total loan amount community Total loan amount of development loans originated or community development loans > purchased is > 0, then the number of 0 and number of loans not > community development loans must be > 0. 0. V610 Affiliate Action Type- Number of community development loans Number of community originated or purchased by affiliates development loans originated must be < the total number of or purchased by affiliates community development loans and > 0. not < the total number of community development loans and/or not > 0 V612 Affiliate Loan Amount- If the total number of community Total number of community development loans originated or development loans by purchased by affiliates is > 0, then affiliates > 0 and total loan the total loan amount of community amount not > 0. development loans by affiliates should

10 October 14, 1996 be > 0. V615 Affiliate Loan Amount- Total loan amount of community Total loan amount of development loans originated or community development loans purchased by affiliates must be < the originated or purchased by total loan amount of community affiliates not < the total development loans and > 0. loan amount of community development loans and/or not > 0 V617 Affiliate Loan Amount- If the total loan amount of community Total loan amount of development loans originated or community development loans purchased by affiliates is > 0, then by affiliates > 0 and number the number of community development of loans by affiliates not > loans by affiliates must be > 0. 0. V700 Action Type Number of consortium/third party loans Number of consortium/third must be > 0. party loans not > 0 V702 Action Type If the total consortium/third party Total number of loans is > 0, then the total loan consortium/third party loans amount of consortium/third party loans > 0 and total loan amount not should be > 0. > 0. V705 Loan Amount Total loan amount of consortium/third Total loan amount of party loans must be > 0. consortium/third party loans not > 0 V707 Loan Amount If the total number of Total number of consortium/third party loans is > 0, consortium/third party loans then the total loan amount of > 0, but total loan amount consortium/third party loans should be not > 0. > 0.

V8002 Military Personnel Flag Military personnel flag must = 1 or 2. Military personnel flag not = 1 or 2 V805 Assessment Area Assessment Area must = 1-9999. Assessment Area not = 1-9999 V810 +/- Include/Exclude must = + or -. Include/Exclude not = + or - Asses sment

11 October 14, 1996 Area: Perfo rm where Recor d Ident ifier = 8 V815 +/- Area Included already included Geography already included in previously in this assessment area. this assessment area V820 +/- Area Excluded already excluded Geography already excluded in previously in this assessment area. this assessment area V825 +/- Area Excluded must first be designated Geography not included in as included in this assessment area. this assessment area prior to exclusion V830 +/- Sum of area excluded and area included Area excluded offsets the = a null value. area included; Net result is no assessment area defined V835 MSA Number MSA must = a valid MSA FIPS code for MSA number is missing, or period being processed or NA. does not equal NA or a valid FIPS code V840 State Code State must = a valid FIPS code or NA. State does not equal a valid FIPS code or NA V842 State Code If state = NA, then county code must = The state code equals NA and NA. the county code does not equal NA V845 State/County Codes If state does not = NA, state and State/county does not equal a county must equal a valid combination valid combination or county or county = NA. does not = NA V847 State/County If MSA = NA, then there must be a State/County does not equal a

2 2 If an institution considers itself predominantly serving the military or their dependents (Military Personnel Flag = 2), then edits V805-V857 will not be performed.

12 October 14, 1996 valid state and county combination. valid combination V850 MSA/State/County If MSA does not = NA, then MSA, state, MSA/State/County does not and county must equal a valid equal a valid combination combination or (MSA and state must equal a valid combination where county = NA). V852 Census Tract-BNA If The MSA/State/County Combination is Census tract-BNA does not valid, then the Census tract-BNA must equal a valid census tract or = a valid census tract or BNA number BNA number for the property for that combination or NA. combination or NA V855 Census Tract-BNA If MSA = NA, then the Census tract-BNA Census tract-BNA does not must = a valid census tract or BNA equal a valid census tract or number for the state/county BNA number for the property combination or NA. combination or NA V857 Census Tract-BNA If County = NA, then the Census tract- The Census Tract-BNA = NA and BNA must = NA. the county does not = NA V900 Loan Number Loan number must not be blank. Loan number missing V905 Type of Loan Type of loan must = 01, 02, 03, 04, Type of loan is not 01, 02, 05, 06, 07, 08, or 09. 03, 04, 05, 06, 07, 08 or 09 V910 Loan Amount at Loan amount must be numeric and > 0. Loan amount not numeric, Origination greater than zero, or missing. V915 Action Taken Type Action taken type must = 1 or 6. Action taken type not equal to 1 or 6 V920 Action Taken Date Action taken date must be in MM/DD/YY Month and/or Day and/or Year format; month and day must be in the not valid range 01-12 and 01-31, respectively. MM, DD, and YY must be numeric and a valid combination. V925 Action Taken Date Year (YY) of action taken date must = Year for action taken date activity year (YY) for period being does not match activity year processed.

13 October 14, 1996 V930 MSA Number MSA must = a valid MSA FIPS code for MSA number is missing, does period being processed or NA. not equal NA or a valid FIPS code V935 State Code State must equal a valid FIPS code. State number is missing or does not equal a valid FIPS code V940 State/County Codes State and County must = a valid State/county does not equal a combination. valid combination

V945 MSA/State/County If MSA does not = NA, then MSA, state, MSA/state/county missing or and county must equal a valid does not equal a valid combination. combination V950 MSA/State/County/Census Census tract-BNA must = a valid census Census Tract-BNA is missing Tract-BNA tract or BNA number for the or does not equal a valid MSA/state/county combination or census tract/BNA number (Census tract-BNA must = a valid census tract or BNA number for the state/county combination where MSA = NA). V955 Business/Farm Annual If type of loan = 01, 02, or 03, then Business/farm annual revenue Revenue Business/Farm annual revenue must = 1, does not equal 1, 2, or 3. 2, or 3. V960 Business/Farm Annual If type of loan = 04, 05, 06, 07, 08, Consumer loan reported and Revenue or 09, business/farm annual revenue business/farm revenue does must = 4. not equal 4 V965 Income: Consumer Loans If type of loan = 04, 05, 06, 07, 08, Consumer loan reported and or 09, then income: consumer loans income: consumer loan not must be numeric and > 0. numeric and > 0 V970 Income: Consumer Loans If type of loan = 01, 02, or 03, then Business/farm loan reported Income: consumer loan must = 0. and income: consumer loan does not equal 0. V975 Affiliate Lending Flag Affiliate lending flag must = 1 or 2. Affiliate lending flag not = 1 or 2

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