www.hudclips.org U. S. Department of Housing and Urban Development Washington, D.C. 20410-8000 March 27, 1992 OFFICE OF THE ASSISTANT SECRETARY FOR HOUSING-FEDERAL HOUSING COMMISSIONER MORTGAGEE LETTER 92-13 TO: ALL APPROVED MORTGAGEES SUBJECT: Automatic Clearing House (ACH) Information Package The Automated Clearing House allows approved FHA lenders to pay Single Family Up-Front Mortgage Insurance Premiums as well as Up-Front Premiums for refinance cases directly from their account. The premium data is input into a microcomputer and sent electronically. The ACH process allows the lender to: - control the timing of the premium payment; - by-pass middle person by keying the information; - eliminate lost checks/mail; - correct non-monetary data; - have premium payments drawn electronically from the lender's designated bank account; and - receive an expedited statement of account. In order to meet the needs of our clients, we have been working to improve the program since its implementation in August of 1985. Enclosed is an ACH Information Package that reflects these improvements. The package includes participation procedures, terminal operating procedures, an application for participation, concentration of funds terminal dialogue, micro computer access description and new terminal connection numbers. We look forward to having all approved FHA lenders participate in the ACH process. Very sincerely yours, Arthur J. Hill Assistant Secretary for Housing - Federal Housing Commissioner Enclosure _____________________________________________________________________ __________________________________________________________________________ Automated Clearing House ******************************************************************** * * * * * * * * * * * * * * * * * * * * * * * GRAPHICS MATERIAL IN ORIGINAL DOCUMENT OMITTED * * * * * * * * * * * * * * * * * * * * * * * ******************************************************************** " NO MORE PAPER " __________________________________________________________________________ _____________________________________________________________________ TABLE OF CONTENTS I ACH Participation Procedures................................ page 1 II. Terminal Operating Procedures............................... page 3 III. Application to Participate............................ Attachment A IV. Concentration of Funds Terminal Dialogue.............. Attachment B V. Micro Computer Access Description..................... Attachment C VI. Terminal Connection Numbers........................... Attachment D VII. Index ............................................................. _____________________________________________________________________ SINGLE FAMILY UP-FRONT AUTOMATED CLEARING HOUSE (ACH) PARTICIPATION PROCEDURES Introduction The Automated Clearing House allows you to pay Single Family Up-Front Mortgage Insurance Premiums directly from your account. The premium data is input into a microcomputer and sent electronically. "No more paper!" Start-up time is approximately two weeks. Equipment Needed - IBM compatible PC - Hayes compatible modem - Communication software package 1/ __________________________ 1/ HUD cannot recommend a specific brand of software or hardware. However, most retailers can and will recommend brands that will work with most microcomputers. The Mellon Telecash Hotline can provide set-up assistance if your communication package is Crosstalk, Smartcom or Procom. 1 _____________________________________________________________________ Steps of the Process 1) Mortgagee reviews package - Appropriate staff and management review this information package 2) Mortgagee decides to participate - Complete Attachment A and forward to: U.S. Department of HUD Room 2238 451 7th Street, S. W. Washington, D. C. 20410 OR - FAX to (202) 401-1252 3) Mellon Bank provides personal identification number (PIN) 2/ to mortgagee 4) Mortgagee reviews log-on information on page 6 5) Process completed ___________________________ 2/ PIN Number is a four-digit number assigned by Mellon Bank 2 _____________________________________________________________________ FHA/SINGLE FAMILY/UP-FRONT MORTGAGE INSURANCE PREMIUMS TERMINAL OPERATING PROCEDURES General Description The ACH system is designed to collect premiums and remittance advices from mortgagees using remote terminals in lieu of sending checks and remittance advices by mail. The mortgagee's terminal operator will dial a number that will tie the terminal or microcomputer into the Mellon Telecash system. Then after keying the log-on commands outlined below, the operator will enter the day's transactions. Each evening at 8:00 p.m. EST the Mellon system will create ACH entries based on the data keyed by the mortgagee. The debit entry will reach the appropriate bank on the following day and the corresponding credit entry will be concentrated at Mellon. In the event that the depositing bank is unable to receive the ACH entry, a paper Depository Transfer Check (DTC) will be generated. When the debit transaction has been processed Mellon will then transmit the Up-front Premium data to HUD. Late Charges The ACH program automatically assesses a "four percent" late charge when payments are received 15 calendar days after the closing date. 3 _____________________________________________________________________ Interest Charge Interest rate is assessed when payment is received 30 calendar days after the closing date. For interest rate call 703/235-8117 (this is not a toll free number). System Contingencies for Technical Problems System problems can occur between: - the mortgagee and the concentrator bank (Mellon), - the concentrator bank and the account that holds the premiums funds, - the concentrator bank and the HUD data depository, and - the data depository and HUD. Responsibility to notify HUD of a problem between the mortgagee and the concentrator bank rests with the mortgagee. Notification of technical problems with other parts of the system rests with either the concentrator or the data depository. Each will have instructions on how to report these problems. According to Mellon Bank, lengthy downtimes are rare in the Mellon system. However, some downtimes can be expected to occur from time to time. Insufficient Funds Effective August 5, 1991, all Up-Front Insurance Premiums submitted through the ACH program under company 00054 (up-front) and 00631 (refinance) was consolidated into one total transaction. Therefore, please be advised that if the bank account that is debited can not cover the total premiums of cases submitted, all premiums will be considered Non-Sufficient Fund (NSF) and returned. 4 _____________________________________________________________________ Statement of Account (SOA) Problems To report on SOA problems call Support Service Center at 703/235-8117 (this is not a toll free number) and press "2 ". Provide the following information to the operator: - Your name, telephone number and extension - Bank name - Mortgagee number - Nature of the problem Description of Data Entry Processes The data entry function is broken down into seven processes. A facsimile of the actual steps and terminal prompts is attached as Concentration of Funds Terminal Dialogue (Attachment B). The term "dialogue" means the two way communication between the terminal operator and computer. 1) Terminal Start Up - Turn the terminal or microcomputer on and ensure that it is hooked into the modem. 2) Terminal Connection - The process of dialing the appropriate area telephone number. 5 _____________________________________________________________________ 3) Log-on - Connects the caller to the Mellon Telecash system and verifies that the caller is authorized to use the system. The company numbers are described as follows: Company 00054 - Upfront premium Company 00038 - Non-monetary Correction for upfront premium data Company 00631 - Refinance premium Company 00433 - Non-monetary Correction for refinance premium data Companies 00038 and 00433 are used only when data in HUD's files are in error and must be corrected. For example, a request for additional information is received and the closing date is in error. To correct the error in HUD's records and to subsequently receive an authorization to endorse, use company 00038 or 00433 to access the screen for data correction. Companies 00054 and 00631 screens do not contain the error correction fields. The final steps prior to entering detail data are the entry of the PIN number and the mortgagee/unit number. The PIN number will be the same for all four company numbers. 6 _____________________________________________________________________ The ACH system allows 75 transactions (cases) per day for a particular unit number (mortgagee number) if entering via a PC. If you have more than 75 transactions per day, you must request additional space when submitting your ACH application. (See Attachment A) If submitting payment information to Mellon Bank via Central Processing Unit (CPU) to CPU, the ACH system allows 150 transactions per day per unit number. Transactions can be warehoused (or stored) in the system up to one year by entering a future effective date. If the warehousing feature is utilized, the number of transactions permitted per day correspondingly decreases based on the number of warehoused items (i.e., if 10 items are warehoused from a previous day then the allowable number of transactions per day is reduced to 65 until the warehoused items are released). To access the next level (supplemental fields), enter the proper PIN number and mortgagee number (the number that you have requested to be authorized for ACH processing through Mellon. (See Attachment B) 4) Entry of Detailed or Supplemental Data - For company 00054 this is merely entering the detailed Up-front Premium transaction data. The screen prompts for the data fields emulate the HUD-27001 form. The system also has a built-in balancing edit of premium amount + late charge + interest must = total amount. The late charge calculation is also built into the system for both companies 00054 and 00631. (See Attachment B) 7 _____________________________________________________________________ For company 00631, the system requires the authorization number in addition to all other data fields from the HUD-27001 form. In order to obtain your authorization number, contact the service center at 703/235-8117 (this is not a toll free number). 5) Entry Verification - The individual detailed transactions are compared against the amount entered with the unit number. Mere the amounts do not match, the system will respond with an error message. By typing RELEASE, you have authorized Mellon to draw from your designated bank account. The system will return an item number count, mortgagee/unit number, verification code, and amount. This information should be printed and saved as your record of having entered/released the transaction amount(s). NOTE: A date will be given when you are warehousing data. 6) Corrections - See Attachment B - (B-5), (B-8) 7) Sign Off 8 _____________________________________________________________________ ATTACHMENT A Application to Participate in the Single Family Up-Front ACH Process Mortgagee/Unit Number: _________________________________ Mortgagee Name: _________________________________ Address: _________________________________ _________________________________ _________________________________ Bank Name: _________________________________ City, State: _________________________________ Bank Account Number: _________________________________ Bank's ABA Number: _________________________________ (Transit Routing (TR) - 9 digit number) Two Contact Names & Numbers: _____________________________ _________________________________ (name - typed) (name - typed) _____________________________ _________________________________ (number) (number) Signature and Title of Authorizing Official: ______________________________________________________________________ (signature) (title) (date) _____________________________________________________________________ ATTACHMENT B Concentration of Funds Terminal Dialogue The following instructions provide a step-by-step guide on how to enter data into the Mellon system. The instructions start after the operator dials the system. A dial tone followed by static is heard. Screen Display: CONNECT 1200, 2400, 9600 3/ Your Response: (press) return key Screen Display: HOST NAME Your Response: (type) MELLON (return) Screen Display: CONNECTED Your Response: (type) Logon (space) K03052 (return) Screen Display: ENTER PASSWORD 4/ Your Response: (type) HUDOTMIP (return) _______________________________ 3/ Depending on the speed accessed, either 1200, 2400 or 9600 will be displayed. 4/ You have three attempts to properly log-on to the Telecash system, If you suspend the password you must call the Telecash Hotline to have it reset. (B-1) _____________________________________________________________________ Screen Display: WELCOME TO TELECASH ENTER MODULE OPTION OR "HELP" FOR MODULE LIST Your Response: (type) cf (return) Screen Display: ENTER REQUEST NUMBER OR "HELP" FOR REQUEST LIST Your Response: (type) 22 (return) Screen Display: ENTER COMPANY NUMBER 5/ Your Response: (type) 00000 (return) Screen Display: ENTER PIN 6/; UNIT NUMBER 7/ Your Response: (type) 0000; 0000000000 (return) _______________________________ 5/ Company Number identifies the screen formats that are to be used; e.g., 00054 - Upfront premium; 00038 - Correction of upfront premium data... 6/ You have three attempts to enter the correct PIN. If you suspend the PIN contact the Mellon Telecash Hotline. 7/ Unit Number is your 10-digit mortgagee number (B-2) _____________________________________________________________________ Screen Display: ENTER UNIT NUMBER; AMOUNT; DATE(MMDDYY) Your Response: (type) 0000000000;100050;010192 (return) Screen Display: ENTER "STOP" TO END The date you enter will be the effective date (the date the money is withdrawn from your bank account). If no date is entered, the system will assume the effective date is to be the next business day. Your deposit date is the date you input premium information into the Telecash system. If using the warehousing feature, the deposit date will be the prior business day to the effective date. Remember, the decimal point is assumed; therefore, the example above indicates a total amount of $1,000.50 will be debited from your account. There should always be a six-digit number entered for "Date". The example above indicates January 1, 1992. Prompt: ENTER SUPPLEMENTAL AMOUNT(S) "99999" OR SUPPLEMENTAL DATA "XXXXXXXXXX" FOR OTHER DATA TYPES (B-3) _____________________________________________________________________ Company 00054 - Upfront premium Field Length FIELD # - FIELD NAME Min Max 1 - FHA CASE NUMBER: 10 10 2 - CLOSING DATE: 6 6 3 - MORTGAGE TYPE: 0 1 4 - TERM OF MORTGAGE 1/: 0 1 5 - PERCENT FINANCED: 0 3 6 - PREMIUM AMOUNT: 0 8 7 - LATE CHARGE (display only): 0 5 8 - INTEREST: 0 5 9 - TOTAL AMOUNT (display only): 0 0 All supplemental data entry fields are numeric. For company 00054 the fields 7 and 9 will be calculated by the system. If the deposit amount entered after the unit number does not equal the total amount in field 9, an error message will appear and instruct you to re-enter the deposit amount. 1/ (1) 1 - 215 Months (2) 216 - 264 Months (3) 265 - 300 Months (4) Over 300 Months (B-4) _____________________________________________________________________ Company 00038 - Non-monetary Correction of upfront premium data Field Length FIELD # - FIELD NAME Min Max 1 - OLD FHA CASE NUMBER: 9 10 2 - OLD MORTGAGEE NUMBER: 10 10 3 - OLD CLOSING DATE: 6 6 4 - CORRECTED FHA CASE NUMBER: 0 10 5 - CORRECTED MORTGAGEE NUMBER: 0 10 6 - CORRECTED TERM OF MORTGAGE 2/: 0 1 7 - CORRECTED PERCENT FINANCED: 0 3 8 - CORRECTED CLOSING DATE: 0 6 The number of fields will vary when entering the correction company 00038. Field 1 through 3 are required. 2/ (1) 1 - 215 Months (2) 216 - 264 Months (3) 265 - 300 Months (4) Over 300 Months (B-5) _____________________________________________________________________ Company 00631 - Refinance premium Field Length FIELD # - FIELD NAME Min Max 1 - AUTHORIZATION CODE: 5 5 2 - MORTGAGEE/UNIT NUMBER: 10 10 3 - FHA NEW CASE NUMBER: 10 10 4 - CLOSING DATE (MMDDYY): 6 6 5 - TERM OF MORTGAGE 3/: 1 1 6 - PERCENT FINANCED: 1 3 7 - NEW OTMIP AMOUNT: 2 7 8 - REFUND CREDIT: 2 7 9 - NET OTMIP: 0 7 10 - LATE CHARGE (display only): 0 5 11 - INTEREST DUE: 0 5 12 - TOTAL CHECK AMOUNT (display only): 0 7 13 - OLD FHA CASE NUMBER: 9 10 3/ (1) 1 - 215 Months (2) 216 - 264 Months (3) 265 - 300 Months (4) Over 300 Months (B-6) _____________________________________________________________________ Company 00631 - Refinance premium (CONTINUED) Field Length FIELD # - FIELD NAME Min Max 14 - OLD OTMIP PAID: 2 6 15 - PERIOD OF INSURANCE (In Months): 1 3 16 - TERM OF MORTGAGE (In Months): 1 3 17 - ORIGINAL MORTGAGE AMT (In $ Only): 2 6 18 - EARNED PREMIUM FACTOR: 5 5 19 - OTMIP EARNED BY HUD: 1 6 20 - OTMIP REFUND FOR CREDIT: 2 6 21 - EXCESS REFUND CREDIT 0 6 22 - BORROWER'S NAME/LOAN NUMBER: 0 15 Authorization number is required in order to enter refinance data for company 00631. Call 703/235-8117 (this is not a toll free number) to get authorization number. Fields 10 and 12 will be calculated by the system. Round field 19 to the nearest cent. Calculation edits exist in fields 9, 19 and 21. For field 18 "Earned Premium Factor", the decimal point is assumed, therefore, key all 5 numeric digits (zeroes should also be entered) (B-7) _____________________________________________________________________ Company 00433 - Non-monetary Refinance correction premium data Field Length FIELD # - FIELD NAME Min Max 1 - FHA NEW CASE NUMBER: 9 10 2 - MORTGAGEE NUMBER: 10 10 3 - CLOSING DATE: 6 6 4 - CORRECTED FHA CASE NUMBER: 0 10 5 - CORRECTED MORTGAGEE NUMBER: 0 10 6 - CORRECTED TERM OF MORTGAGE 4/: 0 6 7 - CORRECTED PERCENT FINANCED: 0 3 Fields 1 through 3 are required for refinance correction company 00433. 4/ (1) 1 - 215 Months (2) 216 - 264 Months (3) 265 - 300 Months (4) Over 300 Months (B-8) _____________________________________________________________________ Screen Display: ENTER "RELEASE"; "CORRECT"; OR "LIST" TO PRINT (If all data are correct then type "RELEASE" for transmission or else enter the other two choices) Your Response: (type) correct (return) Screen Display: ENTER SELECTION OPTION, "HELP" TO LIST OR "STOP" Your Response: (type) help (return) Screen Display: S1; ENTER UNIT AMOUNT; DATE "S1;99999;MMDDYY" S2; ENTER FIELD NUMBER; SUPPLEMENTAL DATA "S2; 99; XXXXXXXXXX" S3; DELETE DEPOSIT AMOUNT AND ALL SUPPLEMENTAL FIELDS "S3" ENTER SELECTION OPTION, "HELP" TO LIST, or "STOP" = S1; 100050 =STOP ENTER "RELEASE"; "CORRECT"; or "LIST" TO PRINT Your Response: (type) release (return) (B-9) _____________________________________________________________________ Screen Display: ENTRY ACCEPTED FOR THE FOLLOWING UNITS: ITEM UNIT VERIFICATION CODE AMOUNT DATE 1 98765453210 9999 100050 010192 ENTER NEXT UNIT NUMBER; AMOUNT; DATE: "9999999999;99999;MMDDYY" ENTER STOP TO END You can string next entry as shown or type STOP. Entering STOP will return you to ENTER NEXT COMPANY NUMBER, REQUEST NUMBER, MODULE OPTION, "HELP" FOR REQUEST LIST, "END" OR "XX" TO RETURN TO MAIN LIST prompt. (B-10) _____________________________________________________________________ ATTACHMENT C Micro Computer Access Description To access the Mellon Telecash system the parameters should be set as follows: * Parity - even * Number of stop bits - 1 * Duplex -full * Data word length - 7 bits * Communications speed - 300, 1200, 2400 or 9600 BAUD * Auto Line Feed - off * Emulation - tty * Port - varies from PC to PC * Remaining parameters set at default (C-1) _____________________________________________________________________ Failure To Connect To System Error conditions may occur when connecting to the system. The mortgagee has only three (3) attempts to properly log-on. Conditions that may occur are as follows: 1) First log-on attempt fails a) Verify modem settings b) Check cable connections c) Reboot system and retry 2) Second log-on attempt fails a) Check if phone was disconnected b) Verify communications protocol settings (software parameters) c) Reboot system and retry 3) Third log-on attempt fails MUST CALL THE MELLON TELECASH HOTLINE FOR RE-SET (C-2) _____________________________________________________________________ When To Use The Hotline Telecash customer service administrators are available to serve you from 6:00 a.m. to 6:30 p.m. EST. Have the following information available before calling: Mortgagee/Unit Number Access method: - Terminal - Microcomputer - CPU/CPU (mainframe) Telecash user K number (HUD # is K03052) Module you are accessing ("cf") Terminal address (Mellon) Error message if applicable The Hotline numbers are as follows: Pittsburgh area: (412) 234-6816 (not a toll free number) Within Pennsylvania: (800) 982-9277 Outside Pennsylvania: (800) 468-5047 Also contact the Telecash Hotline to obtain or verify local Compuserve access numbers not listed in Attachment D. Note that local access numbers can change periodically. (C-3) _____________________________________________________________________ ATTACHMENT D Terminal Connection Numbers ___________________________ CITY ST PHONE BAUD ____ __ _____ ____ Anchorage AK 907/563-8425 300 1200 2400 Fairbanks AK 907/479-4102 300 1200 2400 Bessemer AL 205/558-4000 300 1200 2400 Bessemer AL 205/933-6212 9600 Birmingham AL 205/558-4000 300 1200 2400 Birmingham AL 205/933-6212 9600 Dothan AL 205/671-3917 300 1200 2400 Florence AL 205/766-9925 300 1200 2400 Huntsville AL 205/536-1346 300 1200 2400 Mobile AL 205/478-0688 300 1200 2400 Montgomery AL 205/260-0171 300 1200 2400 Tuscaloosa AL 205/553-1120 300 1200 2400 Little Rock AR 501/376-8374 300 1200 2400 Little Rock AR 501/376-8544 9600 Mesa AZ 602/955-1464 300 1200 2400 Mesa AZ 602/468-0285 9600 Phoenix AZ 602/955-1464 300 1200 2400 Phoenix AZ 602/468-0285 9600 (D-1) _____________________________________________________________________ CITY ST PHONE BAUD ____ __ _____ ____ Scottsdale AZ 602/955-1464 300 1200 2400 Scottsdale AZ 602/468-0285 9600 Sierra Vista AZ 602/459-6390 300 1200 2400 Tempe AZ 602/955-1464 300 1200 2400 Tempe AZ 602/468-0285 9600 Tucson AZ 602/745-8745 300 1200 2400 Tucson AZ 602/571-0207 9600 Yuma AZ 602/782-7191 300 1200 2400 Alameda CA 510/482-0190 300 1200 2400 Anaheim CA 714/520-5231 300 1200 2400 Anaheim CA 714/563-9431 Bakersfield CA 805/324-0971 300 1200 2400 Belmont CA 415/591-5415 300 1200 2400 Berkeley CA 510/482-0190 300 1200 2400 Beverly Hills CA 213/629-4095 300 1200 2400 Beverly Hills CA 213/624-3730 9600 Castro Valley CA 510/889-0369 300 1200 2400 Cathedral City CA 619/325-4584 300 1200 2400 Chula Vista CA 619/498-0099 300 1200 2400 Concord CA 510/682-0762 300 1200 2400 Culver City CA 310/397-7887 300 1200 2400 Culver City CA 310/390-4188 9600 Cupertino CA 408/988-5366 300 1200 2400 Cupertino CA 408/727-8113 9600 Encinitas CA 619/753-2728 300 1200 2400 Fresno CA 209/251-2890 300 1200 2400 (D-2) _____________________________________________________________________ CITY ST PHONE BAUD ____ __ _____ ____ Fresno CA 209/453-1487 9600 Glendale CA 818/506-6743 300 1200 2400 Glendale CA 818/752-8045 9600 Hayward CA 510/889-0369 300 1200 2400 Inglewood CA 213/629-4095 300 1200 2400 Inglewood CA 213/624-3730 9600 Irvine CA 714/833-9915 300 1200 2400 Irvine CA 714/252-1131 9600 Lancaster CA 805/942-3888 300 1200 2400 Livermore CA 510/373-0546 300 1200 2400 Long Beach CA 310/599-5966 300 1200 2400 Long Beach CA 310/591-5768 9600 Los Angeles CA 213/629-4095 300 1200 2400 Los Angeles CA 213/624-3730 9600 Modesto CA 209/521-9970 300 1200 2400 Monterey CA 408/646-1687 300 1200 2400 Mountain view CA 408/988-5366 300 1200 2400 Mountain View CA 408/727-8113 9600 N. Hollywood CA 818/506-6743 300 1200 2400 N. Hollywood CA 818/752-8056 9600 Napa CA 707/257-7710 300 1200 2400 Newport Beach CA 714/833-9915 300 1200 2400 Newport Beach CA 714/252-1131 9600 Oakland CA 510/482-0190 300 1200 2400 Oxnard CA 805/486-3386 300 1200 2400 Pacheco CA 510/682-0762 300 1200 2400 (D-3) _____________________________________________________________________ CITY ST PHONE BAUD ____ __ _____ ____ Palm Springs CA 619/325-4584 300 1200 2400 Palo Alto CA 415/591-5415 300 1200 2400 Pleasant Hill CA 510/682-0762 300 1200 2400 Pleasanton CA 510/373-0546 300 1200 2400 Pomona CA 714/622-5454 300 1200 2400 Pomona CA 714/865-0553 9600 Redding CA 916/223-1144 300 1200 2400 Riverside CA 714/354-5022 300 1200 2400 Riverside CA 714/358-0383 9600 Sacramento CA 916/484-1112 300 1200 2400 Sacramento CA 916/482-4494 9600 Salinas CA 408/754-2751 300 1200 2400 San Bernardino CA 714/882-9626 300 1200 2400 San Bernardino CA 714/882-6646 9600 San Carlos CA 415/591-5415 300 1200 2400 San Diego CA 619/569-4282 300 1200 2400 San Diego CA 619/476-9508 9600 San Fernando CA 213/629-4095 300 1200 2400 San Fernando CA 213/624-3730 9600 San Francisco CA 415/296-8362 300 1200 2400 San Francisco CA 415/434-1580 9600 San Jose CA 408/988-5366 300 1200 2400 San Jose CA 408/727-8113 9600 San Luis Obispo CA 805/549-8605 300 1200 2400 San Marcos CA 619/471-0960 300 1200 2400 San Mateo CA 415/591-5415 300 1200 2400 (D-4) _____________________________________________________________________ CITY ST PHONE BAUD ____ __ _____ ____ San Rafael CA 415/454-9935 300 1200 2400 Santa Barbara CA 805/682-7750 300 1200 2400 Santa Clara CA 408/988-5366 300 1200 2400 Santa Clara CA 408/727-8113 9600 Santa Cruz CA 408/476-0126 300 1200 2400 Santa Rosa CA 707/579-4611 300 1200 2400 Sherman Oaks CA 818/786-6382 300 1200 2400 Sherman Oaks CA 818/988-9791 9600 Sierra Madre CA 818/303-5780 300 1200 2400 Sierra Madre CA 818/303-3869 9600 So. Lake Tahoe CA 916/541-5940 300 1200 2400 Solana Beach CA 619/753-2728 300 1200 2400 Stockton CA 209/465-7284 300 1200 2400 Sunnyvale CA 408/988-5366 300 1200 2400 Sunnyvale CA 408/727-8113 9600 Thousand Oaks CA 805/498-3453 300 1200 2400 Thousand Oaks CA 805/499-6110 9600 Torrance CA 310/214-1442 300 1200 2400 Torrance CA 310/370-2831 9600 Vallejo CA 707/645-8880 300 1200 2400 Van Nuys CA 818/786-6382 300 1200 2400 Van Nuys CA 818/988-9791 9600 Ventura CA 805/648-1906 300 1200 2400 Walnut Creek CA 510/682-0762 300 1200 2400 West L.A. CA 213/629-4095 300 1200 2400 West L.A. CA 213/624-3730 9600 (D-5) _____________________________________________________________________ CITY ST PHONE BAUD ____ __ _____ ____ Aspen CO 303/925-5892 300 1200 2400 Aurora CO 303/629-9145 300 1200 2400 Aurora CO 303/595-0123 9600 Boulder CO 303/629-9145 300 1200 2400 Boulder CO 303/595-0123 9600 Colorado Springs CO 719/596-0910 300 1200 2400 Denver CO 303/629-9145 300 1200 2400 Denver CO 303/595-0123 9600 Dillon CO 303/668-0991 300 1200 2400 Durango CO 303/259-5880 300 1200 2400 Ft. Collins CO 303/223-1535 300 1200 2400 Glenwood Spring CO 303/945-0351 300 1200 2400 Grand Junction CO 303/241-1885 300 1200 2400 Greeley CO 303/356-1180 300 1200 2400 Lakewood CO 303/629-9145 300 1200 2400 Lakewood CO 303/595-0123 9600 Longmont CO 303/651-3207 300 1200 2400 Loveland CO 303/663-0992 300 1200 2400 Pueblo CO 719/546-1891 300 1200 2400 Steamboat Springs CO 303/879-4900 300 1200 2400 Vail CO 303/949-1336 300 1200 2400 Bridgeport CT 203/926-0316 300 1200 2400 Danbury CT 203/794-9169 300 1200 2400 Fairfield CT 203/222-8558 300 1200 2400 Greenwich CT 203/324-8943 300 1200 2400 Greenwich CT 203/324-1115 9600 (D-6) _____________________________________________________________________ CITY ST PHONE BAUD ____ __ _____ ____ Hartford CT 203/548-9369 300 1200 2400 Hartford CT 203/727-8708 9600 Milford CT 203/926-0316 300 1200 2400 New Haven CT 203/468-7165 300 1200 2400 New London CT 203/444-2509 300 1200 2400 North Haven CT 203/468-7165 300 1200 2400 Norwalk CT 203/222-8558 300 1200 2400 Stamford CT 203/324-8943 300 1200 2400 Stamford CT 203/324-1115 9600 Waterbury CT 203/756-5022 300 1200 2400 Westport CT 203/222-8558 300 1200 2400 Washington DC 202/388-3303 300 1200 2400 Newark DE 302/731-2965 300 1200 2400 Rehoboth Beach DE 302/945-5245 300 1200 2400 Wilmington DE 302/731-2965 300 1200 2400 Boynton Beach FL 407/863-7031 300 1200 2400 Boynton Beach FL 407/840-1219 9600 Daytona Beach FL 904/258-8433 300 1200 2400 Deerfield Beach FL 305/429-0552 300 1200 2400 Ft. Lauderdale FL 305/772-9264 9600 Ft. Myers FL 813/939-7060 300 1200 2400 Gainesville FL 904/377-5227 300 1200 2400 Jacksonville FL 904/448-5624 300 1200 2400 Jacksonville FL 904/730-0046 9600 Kissimmee FL 407/933-5703 300 1200 2400 Melbourne FL 407/723-2622 300 1200 2400 (D-7) _____________________________________________________________________ CITY ST PHONE BAUD ____ __ _____ ____ Miami FL 305/262-1643 300 1200 2400 Miami FL 305/262-9325 9600 Orlando FL 407/896-3053 300 1200 2400 Orlando FL 407/896-6122 9600 Panama City FL 904/871-0660 300 1200 2400 Pensacola FL 904/432-1007 300 1200 2400 Sarasota FL 813/355-0832 300 1200 2400 St. Petersburg FL 813/527-0338 300 1200 2400 Tallahassee FL 904/385-8699 300 1200 2400 Tampa FL 813/229-7406 300 1200 2400 Tampa FL 813/229-3200 9600 Vero Beach FL 407/778-0550 300 1200 2400 West Palm Beach FL 407/863-7031 300 1200 2400 West Palm Beach FL 407/840-1219 9600 Winter Haven FL 813/293-3911 300 1200 2400 Albany GA 912/435-9420 300 1200 2400 Athens GA 404/549-0888 300 1200 2400 Atlanta GA 404/266-7060 300 1200 2400 Atlanta GA 404/841-0578 9600 Augusta GA 404/738-3018 300 1200 2400 Brunswick GA 912/264-0351 300 1200 2400 Columbus GA 404/596-2700 300 1200 2400 Macon GA 912/929-0804 300 1200 2400 Macon GA 912/922-2179 9600 Savannah GA 912/355-0222 300 1200 2400 Savannah GA 912/353-8559 9600 (D-8) _____________________________________________________________________ CITY ST PHONE BAUD ____ __ _____ ____ Honolulu HI 808/521-6292 300 1200 2400 Honolulu HI 808/528-0430 9600 Maui HI 808/871-8328 300 1200 2400 Cedar Rapids IA 319/364-1437 300 1200 2400 Davenport IA 319/323-7388 300 1200 2400 Des Moines IA 515/276-5992 300 1200 2400 Boise ID 208/344-1845 300 1200 2400 Ketchum ID 208/788-5060 300 1200 2400 Pocatello ID 208/232-9452 300 1200 2400 Aurora IL 708/801-9488 300 1200 2400 Aurora IL 708/801-9468 9600 Bloomington IL 309/827-3343 300 1200 2400 Champaign IL 217/352-0041 300 1200 2400 Chicago IL 312/263-5636 300 1200 2400 Chicago IL 312/693-0330 300 1200 2400 Chicago IL 312/201-0711 9600 Chicago IL 312/693-4100 9600 DeKalb IL 805/748-5288 300 1200 2400 Decatur IL 217/422-2075 300 1200 2400 East St. Louis IL 314/241-5337 300 1200 2400 East St. Louis IL 314/241-5651 9600 Kankakee IL 815/933-3782 300 1200 2400 Lombard IL 708/953-4991 300 1200 2400 Peoria IL 309/685-1275 300 1200 2400 Rockford IL 815/968-3412 300 1200 2400 Springfield IL 217/789-0944 300 1200 2400 (D-9) _____________________________________________________________________ CITY ST PHONE BAUD ____ __ _____ ____ Bloomington IN 812/333-9203 300 1200 2400 Elkhart IN 219/294-8629 300 1200 2400 Evansville IN 812/479-0165 300 1200 2400 Ft. Wayne IN 219/447-0510 300 1200 2400 Gary IN 219/884-4940 300 1200 2400 Indianapolis IN 317/631-6824 300 1200 2400 Indianapolis IN 317/638-8129 9600 Lafayette IN 317/448-9925 300 1200 2400 Muncie IN 317/284-3812 300 1200 2400 Richmond IN 317/935-0061 300 1200 2400 South Bend IN 219/271-9197 300 1200 2400 Warsaw IN 219/267-7712 300 1200 2400 Lawrence KS 913/843-0140 300 1200 2400 Manhattan KS 913/776-7111 300 1200 2400 Mission KS 816/472-1283 300 1200 2400 Shawnee Mission KS 816/472-1283 300 1200 2400 Topeka KS 913/232-9520 300 1200 2400 Wichita KS 316/689-8132 300 1200 2400 Lexington KY 606/254-0585 300 1200 2400 Louisville KY 502/583-1277 300 1200 2400 Owensboro KY 502/683-0777 300 1200 2400 Baton Rouge LA 504/272-4596 300 1200 2400 Baton Rouge LA 504/275-4091 9600 Lafayette LA 318/234-9880 300 1200 2400 Lake Charles LA 318/433-0215 300 1200 2400 Monroe LA 318/324-9982 300 1200 2400 (D-10) _____________________________________________________________________ CITY ST PHONE BAUD ____ __ _____ ____ New Orleans LA 504/733-2297 300 1200 2400 New Orleans LA 504/733-3184 9600 Shreveport LA 318/424-5380 300 1200 2400 Amherst MA 413/549-7431 300 1200 2400 Arlington MA 617/482-7061 300 1200 2400 Arlington MA 617/868-0524 300 1200 2400 Arlington MA 617/661-7071 9600 Arlington MA 617/426-9295 9600 Billerica MA 508/667-2939 300 1200 2400 Boston MA 617/482-7061 300 1200 2400 Boston MA 617/661-7071 9600 Boston MA 617/868-0524 300 1200 2400 Boston MA 617/426-9295 9600 Brockton MA 508/588-1837 300 1200 2400 Brookline MA 617/482-7061 300 1200 2400 Brookline MA 617/868-0524 300 1200 2400 Brookline MA 617/661-7071 9600 Brookline MA 617/426-9295 9600 Cambridge MA 617/482-7061 300 1200 2400 Cambridge MA 617/661-7071 9600 Cambridge MA 617/868-0524 300 1200 2400 Cambridge MA 617/426-9295 9600 Chicopee MA 413/731-9680 300 1200 2400 Fall River MA 508/677-0405 300 1200 2400 Framingham MA 508/820-9349 300 1200 2400 Framingham MA 508/371-0354 300 1200 (D-11) _____________________________________________________________________ CITY ST PHONE BAUD ____ __ _____ ____ Groton MA 508/448-3007 300 1200 2400 Hudson MA 508/568-8019 300 1200 2400 Lawrence MA 508/975-2040 300 1200 2400 Maynard MA 508/897-4746 300 1200 Medfield MA 508/359-7603 300 1200 Medford MA 617/482-7061 300 1200 2400 Medford MA 617/868-0524 300 1200 2400 Medford MA 617/661-7071 9600 Medford MA 617/426-9295 9600 Medway MA 508/533-2722 300 1200 2400 Mendon MA 617/478-0653 300 1200 Newton MA 617/482-7061 300 1200 2400 Newton MA 617/868-0524 300 1200 2400 Newton MA 617/661-7071 9600 Newton MA 617/426-9295 9600 Quincy MA 617/482-7061 300 1200 2400 Quincy MA 617/868-0524 300 1200 2400 Quincy MA 617/661-7071 9600 Quincy MA 617/426-9295 9600 Springfield MA 413/731-9680 300 1200 2400 Waltham MA 617/482-7061 300 1200 2400 Waltham MA 617/868-0524 300 1200 2400 Waltham MA 617/661-7071 9600 Waltham MA 617/426-9295 9600 Westborough MA 508/366-2617 300 1200 Worcester MA 508/791-0745 300 1200 2400 (D-12) _____________________________________________________________________ CITY ST PHONE BAUD ____ __ _____ ____ Annapolis MD 410/266-7530 300 1200 2400 Baltimore MD 410/832-0160 300 1200 2400 Baltimore MD 410/337-0026 9600 Dundalk MD 410/832-0160 300 1200 2400 Dundalk MD 410/337-0026 9600 Hyattsville MD 301/853-3900 300 1200 2400 Ocean City MD 410/548-1502 300 1200 2400 Salisbury MD 410/548-1502 300 1200 2400 Towson MD 410/832-0160 300 1200 2400 Towson MD 410/337-0026 9600 Portland ME 207/871-1276 300 1200 2400 Ann Arbor MI 313/769-2012 300 1200 2400 Ann Arbor MI 313/761-9300 9600 Detroit MI 313/535-1122 300 1200 2400 Detroit MI 313/535-1466 9600 East Lansing MI 517/322-6808 300 1200 2400 Flint MI 313/238-6202 300 1200 2400 Grand Rapids MI 616/957-9733 300 1200 2400 Grand Rapids MI 616/956-0075 9600 Kalamazoo MI 616/383-3516 300 1200 2400 Lansing MI 517/332-6808 300 1200 2400 Lansing MI 517/322-7141 9600 Mt. Clemens MI 313/463-1945 300 1200 2400 Pontiac MI 313/334-2900 300 1200 2400 Pontiac MI 313/335-2680 9600 Saginaw MI 517/754-9177 300 1200 2400 (D-13) _____________________________________________________________________ CITY ST PHONE BAUD ____ __ _____ ____ Saginaw MI 517/753-5100 9600 Troy MI 313/362-3242 300 1200 2400 Troy MI 313/244-8740 9600 Duluth MN 218/722-0058 300 1200 2400 Mankato MN 507/388-8723 300 1200 2400 Minneapolis MN 612/339-2507 300 1200 2400 Minneapolis MN 612/339-1805 9600 Rochester MN 507/285-1277 300 1200 2400 St. Paul MN 612/339-2507 300 1200 2400 St. Paul MN 612/339-1805 9600 Columbia MO 314/875-0746 300 1200 2400 Florissant MO 314/241-S337 300 1200 2400 Florissant MO 314/421-5651 9600 Independence MO 816/472-1283 300 1200 2400 Independence MO 816/221-3817 9600 Jefferson City MO 314/635-9170 300 1200 2400 Kansas City MO 816/472-1283 300 1200 2400 Kansas City MO 816/221-3817 9600 Springfield MO 417/887-8422 300 1200 2400 St. Louis MO 314/241-5337 300 1200 2400 St. Louis MO 314/421-5651 9600 Jackson MS 601/948-6411 300 1200 2400 Jackson MS 601/352-5182 9600 Billings MT 406/245-0863 300 1200 2400 Helena MT 406/449-3680 300 1200 2400 Asheville NC 704/274-9491 300 1200 2400 (D-14) _____________________________________________________________________ CITY ST PHONE BAUD ____ __ _____ ____ Burlington NC 919/584-8808 300 1200 2400 Charlotte NC 704/331-0905 300 1200 2400 Charlotte NC 704/358-8991 9600 Davidson NC 919/723-9471 300 1200 2400 Durham NC 919/683-1866 300 1200 2400 Greensboro NC 919/272-4994 300 1200 2400 Raleigh NC 919/876-8150 300 1200 2400 Research TriPark NC 919/683-1866 300 1200 2400 Wilmington NC 919/392-4700 300 1200 2400 Winston-Salem NC 919/723-9471 300 1200 2400 Fargo ND 701/232-0904 300 1200 2400 Lincoln NE 402/474-9005 300 1200 2400 Omaha NE 402/345-5012 300 1200 2400 Omaha NE 402/345-9557 9600 Concord NH 603/225-4277 300 1200 2400 Concord NH 603/225-7322 9600 Manchester NH 603/625-2940 300 1200 2400 Nashua NH 603/886-3544 300 1200 2400 Atlantic City NJ 609/645-8778 300 1200 2400 Bayonne NJ 201/643-0404 300 1200 2400 Bayonne NJ 201/623-5666 9600 Boundbrook NJ 908/356-4747 300 1200 2400 Camden NJ 609/482-8770 300 1200 2400 Camden NJ 609/667-8865 9600 Cherry Hill NJ 609/482-8770 300 1200 2400 Cherry Hill NJ 609/667-8865 9600 (D-15) _____________________________________________________________________ CITY ST PHONE BAUD ____ __ _____ ____ Elizabeth NJ 201/643-0404 300 1200 2400 Elizabeth NJ 201/623-5666 9600 Hackensack NJ 201/368-8300 300 1200 2400 Hackensack NJ 201/368-0912 9600 Hackettstown NJ 908/852-8502 300 1200 2400 Jersey City NJ 201/643-0404 300 1200 2400 Jersey City NJ 201/623-5666 9600 Montclair NJ 201/783-5400 300 1200 2400 Montclair NJ 201/783-0644 9600 Morristown NJ 201/984-7921 300 1200 2400 Morristown NJ 201/984-5113 9600 Newark NJ 201/643-0404 300 1200 2400 Newark NJ 201/623-5666 9600 Parsippany NJ 201/984-7921 300 1200 2400 Parsippany NJ 201/984-5113 9600 Pennsauken NJ 609/482-8770 300 1200 2400 Pennsauken NJ 609/667-8865 9600 Princeton NJ 609/921-2855 300 1200 2400 Princeton NJ 609/497-2384 9600 Ridgewood NJ 201/444-3913 300 1200 2400 Rochelle Park NJ 201/368-8300 300 1200 2400 Rochelle Park NJ 201/368-0912 9600 Toms River NJ 908/914-0405 300 1200 2400 Toms River NJ 908/914-1954 9600 Union City NJ 201/643-0404 300 1200 2400 Union City NJ 201/623-5666 9600 (D-16) _____________________________________________________________________ CITY ST PHONE BAUD ____ __ _____ ____ Wayne NJ 201/696-6104 300 1200 2400 Woodbridge NJ 908/632-8755 300 1200 2400 Woodbridge NJ 908/632-9384 9600 Albuquerque NM 505/255-8626 300 1200 2400 Los Alamos NM 505/662-4122 300 1200 2400 Las Vegas NY 702/737-1292 300 1200 2400 Las Vegas NV 702/796-4877 9600 Reno NV 702/323-6608 300 1200 2400 Albany NY 518/439-8104 300 1200 2400 Binghamton NY 607/724-1171 300 1200 2400 Buffalo NY 716/875-3711 300 1200 2400 Buffalo NY 716/876-7680 9600 Hicksville NY 516/937-2088 300 1200 2400 Hicksville NY 516/932-1719 9600 Ithaca NY 607/257-OISS 300 1200 2400 Lake Grove NY 516/981-1120 300 1200 2400 Limestone NY 716/925-7042 300 1200 2400 Long Island NY 516/932-2088 300 1200 2400 Long Island NY 516/937-1719 9600 Middletown NY 914/344-3800 300 1200 2400 New York NY 212/608-6021 300 1200 2400 New York NY 212/888-1020 300 1200 2400 New York NY 212/766-2080 9600 Niagara Falls NY 716/284-3570 300 1200 2400 Poughkeepsie NY 914/473-S991 300 1200 2400 Rochester NY 716/647-1567 300 1200 2400 (D-17) _____________________________________________________________________ CITY ST PHONE BAUD ____ __ _____ ____ Schenectady NY 518/439-8104 300 1200 2400 Syracuse NY 315/451-0337 300 1200 2400 Syracuse NY 315/452-5615 9600 Tonawanda NY 716/694-6263 300 1200 Troy NY 518/439-8104 300 1200 2400 Utica NY 315/737-2101 300 1200 2400 White Plains NY 914/761-3163 300 1200 2400 Williston Park NY 516/294-4190 300 1200 2400 Akron OH 216/869-5085 300 1200 2400 Akron OH 216/836-0679 9600 Cambridge OH 614/439-7360 300 1200 2400 Canton OH 216/452-3491 300 1200 2400 Cincinnati OH 513/771-8543 300 1200 2400 Cincinnati OH 513/771-0592 9600 Cleveland OH 216/781-4135 300 1200 2400 Cleveland OH 216/781-7598 9600 Columbus OH 614/457-2105 300 1200 2400 Columbus OH 614/761-1133 300 1200 2400 Columbus OH 614/876-2116 300 1200 2400 Columbus OH 614/792-0669 9600 Dayton OH 513/226-1907 300 1200 2400 Dayton OH 513/224-4576 9600 Euclid OH 216/781-4135 300 1200 2400 Euclid OH 216/781-7598 9600 Granville OH 614/587-0932 300 1200 North Canton OH 216/869-5085 300 1200 2400 (D-18) _____________________________________________________________________ CITY ST PHONE BAUD ____ __ _____ ____ Parma OH 216/781-4135 300 1200 2400 Parma OH 216/781-7598 9600 Ravenna OH 216/678-5066 300 1200 2400 Toledo OH 419/243-2818 300 1200 2400 Toledo OH 419/242-5706 9600 Youngstown OH 216/743-4992 300 1200 2400 Bethany OK 405/945-1018 300 1200 2400 Bethany OK 405/945-7278 9600 Norman OK 405/945-1018 300 1200 2400 Norman OK 405/942-7278 9600 Oklahoma City OK 405/945-1018 300 1200 2400 Oklahoma City OK 405/942-7278 9600 Stillwater OK 405/642-5107 300 1200 2400 Tulsa OK 918/621-1002 300 1200 2400 Tulsa OK 918/621-1036 9600 Albany OR 503/967-2460 300 1200 2400 Eugene OR 503/689-9800 300 1200 2400 Medford OR 503/779-0504 300 1200 2400 Portland OR 563/239-6124 300 1200 2400 Portland OR 503/238-6729 9600 Salem OR 503/362-2523 300 1200 2400 Allentown PA 215/776-1087 300 1200 2400 Allentown PA 215/776-0801 9600 Butler PA 412/285-8187 300 1200 2400 Carlisle PA 717/245-2066 300 1200 2400 Erie PA 814/864-4018 300 1200 2400 (D-19) _____________________________________________________________________ CITY ST PHONE BAUD ____ __ _____ ____ Harrisburg PA 717/545-7116 300 1200 2400 King of Prussia PA 215/277-3708 300 1200 2400 King of Prussia PA 215/277-1301 9600 Norristown PA 215/277-3708 300 1200 2400 Norristown PA 215/277-1301 9600 Penn Hills PA 412/261-4192 300 1200 2400 Penn Hills PA 412/471-6417 9600 Philadelphia PA 215/563-1305 300 1200 2400 Philadelphia PA 215/561-1634 9600 Pittsburgh PA 412/261-4192 300 1200 2400 Pittsburgh PA 412/471-6417 9600 Reading PA 215/375-0914 300 1200 2400 Scranton PA 717/941-3239 300 1200 2400 Somerset PA 814/443-6402 300 1200 2400 State College PA 814/238-7910 300 1200 2400 Upper Darby PA 215/563-1305 300 1200 2400 Upper Darby PA 215/561-1634 9600 Wilkes Barre PA 717/822-2964 300 1200 2400 York PA 717/845-7631 300 1200 2400 Providence RI 401/438-7960 300 1200 2400 Charleston SC 803/776-8099 300 1200 2400 Columbia SC 803/776-5355 300 1200 2400 Greenville SC 803/255-4686 300 1200 2400 Greenville SC 803/232-5328 9600 Hilton Head SC 803/842-6314 300 1200 2400 Myrtle Beach SC 803/238-8625 300 1200 2400 (D-20) _____________________________________________________________________ CITY ST PHONE BAUD ____ __ _____ ____ Spartanburg SC 803/585-9611 300 1200 2400 Surfside Beach SC 803/238-8625 300 1200 2400 Rapid City SD 605/341-3733 300 1200 2400 Chattanooga TN 615/877-5804 300 1200 2400 Gatlinburg TN 615/436-2001 300 1200 2400 Johnson City TN 615/928-2644 300 1200 2400 Knoxville TN 615/522-2152 300 1200 2400 Memphis TN 901/323-0220 300 1200 2400 Memphis TN 901/454-6851 9600 Nashville TN 615/360-7923 300 1200 2400 Oak Ridge TN 615/483-2292 300 1200 2400 Abilene TX 915/698-1111 300 1200 2400 Amarillo TX 806/379-8411 300 1200 2400 Austin TX 512/444-0566 300 1200 2400 Austin TX 512/326-1155 9600 Beaumont TX 409/835-0236 300 1200 2400 Brownsville TX 512/233-6682 300 1200 2400 Bryan TX 409/696-7986 300 1200 2400 College Station TX 409/696-7986 300 1200 2400 Conroe TX 409/756-8904 300 1200 2400 Corpus Christi TX 512/882-1465 300 1200 2400 Dallas TX 214/953-0436 300 1200 2400 Dallas TX 214/720-9183 9600 Denton TX 817/387-8900 300 1200 2400 El Paso TX 915/565-0970 300 1200 2400 Ft. Worth TX 817/685-2700 300 1200 2400 (D-21) _____________________________________________________________________ CITY ST PHONE BAUD ____ __ _____ ____ Ft. Worth TX 817/685-2737 9600 Galveston TX 409/763-5125 300 1200 2400 Houston TX 713/462-0923 300 1200 2400 Houston TX 713/460-2705 9600 Irving TX 214/953-0436 300 1200 2400 Irving TX 214/720-9183 9600 Laredo TX 512/722-8008 300 1200 2400 Lubbock TX 806/763-5081 300 1200 2400 Midland TX 915/561-5811 300 1200 2400 San Angela TX 915/942-8787 300 1200 2400 San Antonio TX 512/736-8600 300 1200 2400 San Antonio TX 512/736-8645 9600 Tyler TX 903/561-5565 300 1200 2400 Waco TX 817/776-7090 300 1200 2400 Provo UT 801/377-1120 300 1200 2400 Salt Lake City UT 801/521-6326 300 1200 2400 Salt Lake City UT 801/521-9777 9600 Alexandria VA 703/591-0506 300 1200 2400 Alexandria VA 703/591-0461 9600 Arlington VA 703/591-0506 300 1200 2400 Arlington VA 703/591-0461 9600 Charlottesville VA 804/979-5159 300 1200 2400 Chesapeake VA 804/461-8117 300 1200 2400 Chesapeake VA 804/461-5354 9600 Fairfax VA 703/591-0506 300 1200 2400 Fairfax VA 703/591-0461 9600 (D-22) _____________________________________________________________________ CITY ST PHONE BAUD ____ __ _____ ____ Hampton VA 804/888-2556 300 1200 2400 Manassas VA 703/368-5707 300 1200 2400 Newport News VA 804/888-2556 300 1200 2400 Norfolk VA 804/461-8117 300 1200 2400 Norfolk VA 804/461-5354 9600 Portsmouth VA 804/461-8117 300 1200 2400 Portsmouth VA 804/461-5354 9600 Reston VA 703/758-0091 300 1200 2400 Richmond VA 804/741-3503 300 1200 2400 Roanoke VA 703/265-1013 300 1200 2400 Staunton VA 703/885-0253 300 1200 2400 Virginia Beach VA 804/461-8117 300 1200 2400 Virginia Beach VA 804/461-5354 9600 Williamsburg VA 804/888-2556 300 1200 2400 Burlington VT 802/862-1575 300 1200 2400 Manchester Ctr VT 802/362-5580 300 1200 2400 Blaine WA 206/332-8100 300 1200 2400 Everett WA 206/252-3550 300 1200 2400 Olympia WA 206/754-2200 300 1200 2400 Seattle WA 206/242-5767 300 1200 2400 Seattle WA 206/242-9992 9600 Spokane WA 509/326-6526 300 1200 2400 Tacoma WA 206/922-7181 300 1200 2400 Appleton WI 414/731-4345 300 1200 2400 Brookfield WI 414/453-5132 300 1200 2400 Brookfield WI 414/453-3010 9600 (D-23) _____________________________________________________________________ CITY ST PHONE BAUD ____ __ _____ ____ Green Bay WI 414/494-0917 300 1200 2400 La Crosse WI 608/785-7530 300 1200 2400 Madison WI 608/256-5346 300 1200 2400 Madison WI 608/256-6716 9600 Milwaukee WI 414/453-5132 300 1200 2400 Milwaukee WI 414/453-3010 9600 Sheboygan WI 414/458-3421 300 1200 2400 Wauwatosa WI 414/453-5132 300 1200 2400 Wauwatosa WI 414/453-3010 9600 Charleston WV 304/345-9730 300 1200 2400 Huntington WV 304/733-4010 300 1200 2400 Morgantown WV 304/291-5884 1200 1200 2400 Morgantown WV 304/291-6782 9600 Parkersburg WV 304/485-4225 300 1200 2400 Wheeling WV 304/233-9470 300 1200 2400 Casper WY 307/234-6914 300 1200 2400 Cheyenne WY 307/637-3027 300 1200 2400 Jackson WY 307/733-1640 300 1200 2400 Laramie WY 307/742-9641 300 1200 2400 (D-24) _____________________________________________________________________ INDEX ACH entries create................................... 3 Application to participate.................Attachment A Authorization number........................... 7,(B-7) Automated Clearing House (ACH)................... 1,3,7 BAUD...................................... (C-1), (D-1) Communication network..................... See Telecash Company number codes ........................... (B-2) Concentrator bank.......................See Mellon Bank Corrections.......................................... 6 refinance...................................... (B-8) upfront........................................ (B-5) Credit entry......................................... 3 Data entry process................................... 5 Debit entry.......................................... 3 Deposit date..................................... (B-3) Depository transfer check............................ 3 Effective date................................... (B-3) Entry of supplemental data........................... 7 Entry verification................................... 8 Equipment needed..................................... 1 Failure to connect............................... (C-2) FAX number........................................... 2 Hotline numbers...................................(C-3) HUD address.......................................... 2 HUD fax number....................................... 2 HUD-27001............................................ 7 Insufficient funds................................... 4 Interest charge...................................... 3 Interest rate telephone number....................... 3 Late charges......................................... 3 Log-on information..............................6,(C-2) Mellon Telecash system......................... 6,(C-1) Mellon system.................................. 3,(B-1) Mellon Bank....................................... 2, 3 Microcomputer access................................... description............................. Attachment C Mortgagee number..................... 6,7, Attachment A additional Mortgagee Numbers....................... 7 Parameters (system)........................Attachment C Participating procedures............................. 1 PIN number....................................... 2,6,7 PIN suspension....................................(B-2) Refinance premium...............................6,(B-6) _____________________________________________________________________ Support Service Center ............................. telephone number............................... 5, 7 Software........................................... 1 Start-up time...................................... 1 Technical problems................................. 4 Technical system........................... 1,6,(C-1) Telecash hotline number........................ (C-3) Telecash system...................... 1,6,(B-2),(C-1) Terminal dialogue.................... 5, Attachment B Terminal operating procedures...................... 3 Terminal start-up....................... Attachment B Terminal connection................................ 5 Transactions, number allowed per day............... 7 Transmittal time................................... 3 Unit number..................... See mortgagee number Upfront Premium.............................4,6,(B-4) Warehousing...................................... 7,8 * U.S. Government Printing Office: 1992 - 312-218/60124