Functional Testing_OldTDAF - TESTINGREQ #FUNCTIONAL REQUIREMENTSTS - LOB RESPONSIBILITYTSS RESPONSIBILITYHIGH LEVEL SCENARIOSQUERIESPR001Require LON to accept the following new fields passed from Fiserv in LON file for all TDAF loans (Prime Auto, Non-Prime Auto, RV, Powersport and Marine):

1. Annual Percentage Rate (APR)2. Total Interest3. Life Insurance4. A/H (Disability) Insurance5. Replacement Insurance6. Gap Insurance7. Other Insurance8. Taxes on Insurances9. PPSA/RPDRM10. Cash Foregone11. Lender Administration Fee12. Cost of Borrowing (COB)

LON To:1. Fields to be display, within new CCS TDAF(Miscellaneous) screena. Refer to Appendix I2. The process of data transferring will be via EBX and SBI3. The Information will be stored in LON DB2 database a. Refer to layout(Parvin or Fiserv to Provide)*Provide TSS with Fiserv file layout*Provide TSS with Fiserv file feed*Provide TSS with access to LON to view the new miscellaneous screen*TSS to review Fiserv feed via Fiserv layout and to insure the mapping is accurate.*TSS to validate the new miscellaneous screen, by confirming all the proposed columns in PR001 are present.1. Validate the file from FISERV for the TDAF Prime Auto loans to ensure mapping is accurate.2. Validate the file from FISERV for the TDAF Non-Prime Auto loans to ensure mapping is accurate.3. Validate the file from FISERV for the TDAF RV loans to ensure mapping is accurate.4. Validate the file from FISERV for the TDAF Powersport loans to ensure mapping is accurate.5. Validate the file from FISERV for the TDAF Marine loans to ensure mapping is accurate.6. Validate the CCS TDAF 'Miscellaneous' screen is displaying the following new fields for the TDAF Prime Auto Loans in English a. Annual Percentage Rate (APR), b. Total Interest, c. Life Insurance, d. A/H (Disability) Insurance, e. Replacement Insurance, f. Gap Insurance, g. Other Insurance, h. Taxes on Insurances, i. PPSA/RPDRM, j. Cash Foregone, k. Lender Administration Fee, l. Cost of Borrowing (COB) 7. Validate the CCS TDAF 'Miscellaneous' screen is displaying the following new fields for the TDAF Prime Auto Loans in French a. Annual Percentage Rate (APR), b. Total Interest, c. Life Insurance, d. A/H (Disability) Insurance, e. Replacement Insurance, f. Gap Insurance, g. Other Insurance, h. Taxes on Insurances, i. PPSA/RPDRM, j. Cash Foregone, k. Lender Administration Fee, l. Cost of Borrowing (COB) 8. Validate the CCS TDAF 'Miscellaneous' screen is displaying the following new fields for the TDAF Non-Prime Auto Loans in English a. Annual Percentage Rate (APR), b. Total Interest, c. Life Insurance, d. A/H (Disability) Insurance, e. Replacement Insurance, f. Gap Insurance, g. Other Insurance, h. Taxes on Insurances, i. PPSA/RPDRM, j. Cash Foregone, k. Lender Administration Fee, l. Cost of Borrowing (COB) 9. Validate the CCS TDAF 'Miscellaneous' screen is displaying the following new fields for the TDAF Non-Prime Auto Loans in French a. Annual Percentage Rate (APR), b. Total Interest, c. Life Insurance, d. A/H (Disability) Insurance, e. Replacement Insurance, f. Gap Insurance, g. Other Insurance, h. Taxes on Insurances, i. PPSA/RPDRM, j. Cash Foregone, k. Lender Administration Fee, l. Cost of Borrowing (COB) 10. Validate the CCS TDAF 'Miscellaneous' screen is displaying the following new fields for the TDAF RV Loans in English a. Annual Percentage Rate (APR), b. Total Interest, c. Life Insurance, d. A/H (Disability) Insurance, e. Replacement Insurance, f. Gap Insurance, g. Other Insurance, h. Taxes on Insurances, i. PPSA/RPDRM, j. Cash Foregone, k. Lender Administration Fee, l. Cost of Borrowing (COB) 11. Validate the CCS TDAF 'Miscellaneous' screen is displaying the following new fields for the TDAF RV Loans in French a. Annual Percentage Rate (APR), b. Total Interest, c. Life Insurance, d. A/H (Disability) Insurance, e. Replacement Insurance, f. Gap Insurance, g. Other Insurance, h. Taxes on Insurances, i. PPSA/RPDRM, j. Cash Foregone, k. Lender Administration Fee, l. Cost of Borrowing (COB) 12. Validate the CCS TDAF 'Miscellaneous' screen is displaying the following new fields for the TDAF Powersport Loans in English a. Annual Percentage Rate (APR), b. Total Interest, c. Life Insurance, d. A/H (Disability) Insurance, e. Replacement Insurance, f. Gap Insurance, g. Other Insurance, h. Taxes on Insurances, i. PPSA/RPDRM, j. Cash Foregone, k. Lender Administration Fee, l. Cost of Borrowing (COB) 13. Validate the CCS TDAF 'Miscellaneous' screen is displaying the following new fields for the TDAF Powersport Loans in French a. Annual Percentage Rate (APR), b. Total Interest, c. Life Insurance, d. A/H (Disability) Insurance, e. Replacement Insurance, f. Gap Insurance, g. Other Insurance, h. Taxes on Insurances, i. PPSA/RPDRM, j. Cash Foregone, k. Lender Administration Fee, l. Cost of Borrowing (COB) 13. Validate the CCS TDAF 'Miscellaneous' screen is displaying the following new fields for the TDAF Marine Loans in English a. Annual Percentage Rate (APR), b. Total Interest, c. Life Insurance, d. A/H (Disability) Insurance, e. Replacement Insurance, f. Gap Insurance, g. Other Insurance, h. Taxes on Insurances, i. PPSA/RPDRM, j. Cash Foregone, k. Lender Administration Fee, l. Cost of Borrowing (COB) 14. Validate the CCS TDAF 'Miscellaneous' screen is displaying the following new fields for the TDAF Marine Loans in French a. Annual Percentage Rate (APR), b. Total Interest, c. Life Insurance, d. A/H (Disability) Insurance, e. Replacement Insurance, f. Gap Insurance, g. Other Insurance, h. Taxes on Insurances, i. PPSA/RPDRM, j. Cash Foregone, k. Lender Administration Fee, l. Cost of Borrowing (COB)1. What is the difference between TSS responsibility 1 and 2?...Is it only comparing the file with the screen, like in Lion?2. Do RV, Powersport, Marine fall under the non-prime catergory or are they indivdual categories?3.What differentiates a Prime Auto from a non-Prime auto?4.Are all the scenarios mentioned in this sheet, province (Ontario vs the rest of Canada), language (English and French) and type of loan(Fixed vs Variable) specific?PR002Require LON to calculate APR for all TDAF loans (Prime Auto, Non-Prime Auto, RV, Powersport and Marine):

Formula for APR (non-QC resident)(Total Interest for Term of Loan + Cash Foregone + Lender Admin Fee) divided by (Average Balance excluding Non-Interest COB components times term of the loan in years)

Formula for APR (QC resident)(Total Interest for Term of Loan + Cash Foregone + Lender Admin Fee + Sum of all optional insurances + taxes on insurances + RPDRM fee) divided by (Average Balance excluding Non-Interest COB components times term of the loan in years)

Note: Refer to Appendix E(SRS) for detailed information in regards of APR calculations*Provide TSS the APR calculation, via LON System*Provide TSS with APR calculation excel sheet*TS to provide knowledge base in regards of APR calculation to TSS*TSS to perform manual calculation of APR as provided in PR002. - Additional confirmation of the APR calculation use excel sheet that has been provided by TS*TSS to validate the new miscellaneous screen, by confirming APR field is present and accurate.1. Process and validate the new miscellaneous screen by calculating the APR for the TDAF Prime Auto loans for an non-QC resident in English.2. Process and validate the new miscellaneous screen by calculating the APR for the TDAF Prime Auto loans for an non-QC resident in French.3. Process and validate the new miscellaneous screen by calculating the APR for the TDAF Prime Auto loans for a QC resident in English.4. Process and validate the new miscellaneous screen by calculating the APR for the TDAF Prime Auto loans for a QC resident in French.5. Process and validate the new miscellaneous screen by calculating the APR for the TDAF Non-Prime Auto loans for an non-QC resident in English.6. Process and validate the new miscellaneous screen by calculating the APR for the TDAF Non-Prime Auto loans for an non-QC resident in French.7. Process and validate the new miscellaneous screen by calculating the APR for the TDAF Non-Prime Auto loans for a QC resident in English.8. Process and validate the new miscellaneous screen by calculating the APR for the TDAF Non-Prime Auto loans for a QC resident in French.9. Process and validate the new miscellaneous screen by calculating the APR for the TDAF RV loans for an non-QC resident in English.10. Process and validate the new miscellaneous screen by calculating the APR for the TDAF RV loans for an non-QC resident in French.11. Process and validate the new miscellaneous screen by calculating the APR for the TDAF RV loans for a QC resident in English.12. Process and validate the new miscellaneous screen by calculating the APR for the TDAF RV loans for a QC resident in French.13. Process and validate the new miscellaneous screen by calculating the APR for the TDAF Powersport loans for an non-QC resident in English.14. Process and validate the new miscellaneous screen by calculating the APR for the TDAF Powersport loans for an non-QC resident in French.15. Process and validate the new miscellaneous screen by calculating the APR for the TDAF Powersport loans for a QC resident in English.16. Process and validate the new miscellaneous screen by calculating the APR for the TDAF Powersport loans for a QC resident in French.17. Process and validate the new miscellaneous screen by calculating the APR for the TDAF Marine loans for an non-QC resident in English.18. Process and validate the new miscellaneous screen by calculating the APR for the TDAF Marine loans for an non-QC resident in French.19. Process and validate the new miscellaneous screen by calculating the APR for the TDAF Marine loans for a QC resident in English.20. Process and validate the new miscellaneous screen by calculating the APR for the TDAF Marine loans for a QC resident in French.Does the APR need to be calculated for all the 5 types of loans? And for how many TSTs-will it be specified by the LOB?PR003Require LON to have own calculation for Total Interest that looks back at interest paid and sums with future interest*Provide TSS with Total Interest calculation*TSS to perform manual calculation of Total Interest as provided by TS.*TSS to validate the new miscellaneous screen, by confirming Total Interest field is present.1. Process and validate the new miscellaneous screen by calculating the Total Interest for the TDAF Prime Auto loans for an non-QC resident in English.2. Process and validate the new miscellaneous screen by calculating the Total Interest for the TDAF Prime Auto loans for an non-QC resident in French.3. Process and validate the new miscellaneous screen by calculating the Total Interest for the TDAF Prime Auto loans for a QC resident in English.4. Process and validate the new miscellaneous screen by calculating the Total Interest for the TDAF Prime Auto loans for a QC resident in French.5. Process and validate the new miscellaneous screen by calculating the Total Interest for the TDAF Non-Prime Auto loans for an non-QC resident in English.6. Process and validate the new miscellaneous screen by calculating the Total Interest for the TDAF Non-Prime Auto loans for an non-QC resident in French.7. Process and validate the new miscellaneous screen by calculating the Total Interest for the TDAF Non-Prime Auto loans for a QC resident in English.8. Process and validate the new miscellaneous screen by calculating the Total Interest for the TDAF Non-Prime Auto loans for a QC resident in French.9. Process and validate the new miscellaneous screen by calculating the Total Interest for the TDAF RV loans for an non-QC resident in English.10. Process and validate the new miscellaneous screen by calculating the Total Interest for the TDAF RV loans for an non-QC resident in French.11. Process and validate the new miscellaneous screen by calculating the Total Interest for the TDAF RV loans for a QC resident in English.12. Process and validate the new miscellaneous screen by calculating the Total Interest for the TDAF RV loans for a QC resident in French.13. Process and validate the new miscellaneous screen by calculating the Total Interest for the TDAF Powersport loans for an non-QC resident in English.14. Process and validate the new miscellaneous screen by calculating the Total Interest for the TDAF Powersport loans for an non-QC resident in French.15. Process and validate the new miscellaneous screen by calculating the Total Interest for the TDAF Powersport loans for a QC resident in English.16. Process and validate the new miscellaneous screen by calculating the Total Interest for the TDAF Powersport loans for a QC resident in French.17. Process and validate the new miscellaneous screen by calculating the Total Interest for the TDAF Marine loans for an non-QC resident in English.18. Process and validate the new miscellaneous screen by calculating the Total Interest for the TDAF Marine loans for an non-QC resident in French.19. Process and validate the new miscellaneous screen by calculating the Total Interest for the TDAF Marine loans for a QC resident in English.20. Process and validate the new miscellaneous screen by calculating the Total Interest for the TDAF Marine loans for a QC resident in French.Same as above?PR004On any change in LON that impacts the customers cost of borrowing (COB), LON would need to recalculate and restate the APR and COB on the Amending Agreement.

Scenarios would be:- Change of Payment Frequency- Change Regular Payment Amount- Change Payment Due Date- Apply Lump Sum Payment- Reverse Lump Sum Payment- Payment extension- Payment extension reversal- Interest Rate Change- Delay of Payment- Fee Charged on Account

LON To:1. Change all Module's to call new APR Calculation2. Change all Module's where APR need to be captured via TDAF*Provide TSS with recalculation for APR and COB*Provide TSS with an injection file of Amendments file.*TS to provide knowledge base in regards of APR/OCB calculation via scenarios to TSS*TSS to perform manual recalculation calculation of APR/OCB as provided by TS via scenarios.*TSS to validate the new miscellaneous screen, by confirming APR/OCB recalculation via scenarios.*TSS to validate Amendments file via APR/OCB recalculation via scenarios.Following scenarios are also applicable for Non-Prime Auto Loan, RV, Powersport and Marine:1. Process and validate the new miscellaneous screen to confirm the APR and COB values by changing the Payment Frequency for the TDAF Prime Auto loans for an non-QC resident in English.2. Process and validate the new miscellaneous screen to confirm the APR and COB values by changing the Payment Frequency for the TDAF Prime Auto loans for an non-QC resident in French.3. Process and validate the new miscellaneous screen to confirm the APR and COB values by changing the Payment Frequency for the TDAF Prime Auto loans for a QC resident in English.4. Process and validate the new miscellaneous screen to confirm the APR and COB values by changing the Payment Frequency for the TDAF Prime Auto loans for a QC resident in French.5. Process and validate the Amendment Agreement to confirm the APR and COB values by changing the Payment Frequency for the TDAF Prime Auto loans for an non-QC resident in English.6. Process and validate the Amendment Agreement to confirm the APR and COB values by changing the Payment Frequency for the TDAF Prime Auto loans for an non-QC resident in French.7. Process and validate the Amendment Agreement to confirm the APR and COB values by changing the Payment Frequency for the TDAF Prime Auto loans for a QC resident in English.8. Process and validate the Amendment Agreement to confirm the APR and COB values by changing the Payment Frequency for the TDAF Prime Auto loans for a QC resident in French.9. Process and validate the new miscellaneous screen to confirm the APR and COB values by changing the Regular Payment Amount for the TDAF Prime Auto loans for an non-QC resident in English.10. Process and validate the new miscellaneous screen to confirm the APR and COB values by changing the Regular Payment Amount for the TDAF Prime Auto loans for an non-QC resident in French.11. Process and validate the new miscellaneous screen to confirm the APR and COB values by changing the Regular Payment Amount for the TDAF Prime Auto loans for a QC resident in English.12. Process and validate the new miscellaneous screen to confirm the APR and COB values by changing the Regular Payment Amount for the TDAF Prime Auto loans for a QC resident in French.13. Process and validate the Amendment Agreement to confirm the APR and COB values by changing the Regular Payment Amount for the TDAF Prime Auto loans for an non-QC resident in English.14. Process and validate the Amendment Agreement to confirm the APR and COB values by changing the Regular Payment Amount for the TDAF Prime Auto loans for an non-QC resident in French.15. Process and validate the Amendment Agreement to confirm the APR and COB values by changing the Regular Payment Amount for the TDAF Prime Auto loans for a QC resident in English.16. Process and validate the Amendment Agreement to confirm the APR and COB values by changing the Regular Payment Amount for the TDAF Prime Auto loans for a QC resident in French.17. Process and validate the new miscellaneous screen to confirm the APR and COB values by changing the Payment Due Date for the TDAF Prime Auto loans for an non-QC resident in English.18. Process and validate the new miscellaneous screen to confirm the APR and COB values by changing the Payment Due Date for the TDAF Prime Auto loans for an non-QC resident in French.19. Process and validate the new miscellaneous screen to confirm the APR and COB values by changing the Payment Due Date for the TDAF Prime Auto loans for a QC resident in English.20. Process and validate the new miscellaneous screen to confirm the APR and COB values by changing the Payment Due Date for the TDAF Prime Auto loans for a QC resident in French.21. Process and validate the Amendment Agreement to confirm the APR and COB values by changing the Payment Due Date for the TDAF Prime Auto loans for an non-QC resident in English.22. Process and validate the Amendment Agreement to confirm the APR and COB values by changing the Payment Due Date for the TDAF Prime Auto loans for an non-QC resident in French.23. Process and validate the Amendment Agreement to confirm the APR and COB values by changing the Payment Due Date for the TDAF Prime Auto loans for a QC resident in English.24. Process and validate the Amendment Agreement to confirm the APR and COB values by changing the Payment Due Date for the TDAF Prime Auto loans for a QC resident in French.25. Process and validate the new miscellaneous screen to confirm the APR and COB values by applying the Lump Sum Payment for the TDAF Prime Auto loans for an non-QC resident in English.26. Process and validate the new miscellaneous screen to confirm the APR and COB values by applying the Lump Sum Payment for the TDAF Prime Auto loans for an non-QC resident in French.27. Process and validate the new miscellaneous screen to confirm the APR and COB values by applying the Lump Sum Payment for the TDAF Prime Auto loans for a QC resident in English.28. Process and validate the new miscellaneous screen to confirm the APR and COB values by applying the Lump Sum Payment for the TDAF Prime Auto loans for a QC resident in French.29. Process and validate the Amendment Agreement to confirm the APR and COB values by applying the Lump Sum Payment for the TDAF Prime Auto loans for an non-QC resident in English.30. Process and validate the Amendment Agreement to confirm the APR and COB values by applying the Lump Sum Payment for the TDAF Prime Auto loans for an non-QC resident in French.31. Process and validate the Amendment Agreement to confirm the APR and COB values by applying the Lump Sum Payment for the TDAF Prime Auto loans for a QC resident in English.32. Process and validate the Amendment Agreement to confirm the APR and COB values by applying the Lump Sum Payment for the TDAF Prime Auto loans for a QC resident in French.33. Process and validate the new miscellaneous screen to confirm the APR and COB values by reversing the Lump Sum Payment for the TDAF Prime Auto loans for an non-QC resident in English.34. Process and validate the new miscellaneous screen to confirm the APR and COB values by reversing the Lump Sum Payment for the TDAF Prime Auto loans for an non-QC resident in French.35. Process and validate the new miscellaneous screen to confirm the APR and COB values by reversing the Lump Sum Payment for the TDAF Prime Auto loans for a QC resident in English.36. Process and validate the new miscellaneous screen to confirm the APR and COB values by reversing the Lump Sum Payment for the TDAF Prime Auto loans for a QC resident in French.37. Process and validate the Amendment Agreement to confirm the APR and COB values by reversing the Lump Sum Payment for the TDAF Prime Auto loans for an non-QC resident in English.38. Process and validate the Amendment Agreement to confirm the APR and COB values by reversing the Lump Sum Payment for the TDAF Prime Auto loans for an non-QC resident in French.39. Process and validate the Amendment Agreement to confirm the APR and COB values by reversing the Lump Sum Payment for the TDAF Prime Auto loans for a QC resident in English.40. Process and validate the Amendment Agreement to confirm the APR and COB values by reversing the Lump Sum Payment for the TDAF Prime Auto loans for a QC resident in French.41. Process and validate the new miscellaneous screen to confirm the APR and COB values by doing the Payment extension for the TDAF Prime Auto loans for an non-QC resident in English.42. Process and validate the new miscellaneous screen to confirm the APR and COB values by doing the Payment extension for the TDAF Prime Auto loans for an non-QC resident in French.43. Process and validate the new miscellaneous screen to confirm the APR and COB values by doing the Payment extension for the TDAF Prime Auto loans for a QC resident in English.44. Process and validate the new miscellaneous screen to confirm the APR and COB values by doing the Payment extension for the TDAF Prime Auto loans for a QC resident in French.45. Process and validate the Amendment Agreement to confirm the APR and COB values by doing the Payment extension for the TDAF Prime Auto loans for an non-QC resident in English.46. Process and validate the Amendment Agreement to confirm the APR and COB values by doing the Payment extension for the TDAF Prime Auto loans for an non-QC resident in French.47. Process and validate the Amendment Agreement to confirm the APR and COB values by doing the Payment extension for the TDAF Prime Auto loans for a QC resident in English.48. Process and validate the Amendment Agreement to confirm the APR and COB values by doing the Payment extension for the TDAF Prime Auto loans for a QC resident in French.49. Process and validate the new miscellaneous screen to confirm the APR and COB values by doing the Payment extension reversal for the TDAF Prime Auto loans for an non-QC resident in English.50. Process and validate the new miscellaneous screen to confirm the APR and COB values by doing the Payment extension reversal for the TDAF Prime Auto loans for an non-QC resident in French.51. Process and validate the new miscellaneous screen to confirm the APR and COB values by doing the Payment extension reversal for the TDAF Prime Auto loans for a QC resident in English.52. Process and validate the new miscellaneous screen to confirm the APR and COB values by doing the Payment extension reversal for the TDAF Prime Auto loans for a QC resident in French.53. Process and validate the Amendment Agreement to confirm the APR and COB values by doing the Payment extension reversal for the TDAF Prime Auto loans for an non-QC resident in English.54. Process and validate the Amendment Agreement to confirm the APR and COB values by doing the Payment extension reversal for the TDAF Prime Auto loans for an non-QC resident in French.55. Process and validate the Amendment Agreement to confirm the APR and COB values by doing the Payment extension reversal for the TDAF Prime Auto loans for a QC resident in English.56. Process and validate the Amendment Agreement to confirm the APR and COB values by doing the Payment extension reversal for the TDAF Prime Auto loans for a QC resident in French.57. Process and validate the new miscellaneous screen to confirm the APR and COB values by changing the Interest Rate for the TDAF Prime Auto loans for an non-QC resident in English.58. Process and validate the new miscellaneous screen to confirm the APR and COB values by changing the Interest Rate for the TDAF Prime Auto loans for an non-QC resident in French.59. Process and validate the new miscellaneous screen to confirm the APR and COB values by changing the Interest Rate for the TDAF Prime Auto loans for a QC resident in English.60. Process and validate the new miscellaneous screen to confirm the APR and COB values by changing the Interest Rate for the TDAF Prime Auto loans for a QC resident in French.61. Process and validate the Amendment Agreement to confirm the APR and COB values by changing the Interest Rate for the TDAF Prime Auto loans for an non-QC resident in English.62. Process and validate the Amendment Agreement to confirm the APR and COB values by changing theInterest Rate for the TDAF Prime Auto loans for an non-QC resident in French.63. Process and validate the Amendment Agreement to confirm the APR and COB values by changing the Interest Rate for the TDAF Prime Auto loans for a QC resident in English.64. Process and validate the Amendment Agreement to confirm the APR and COB values by changing the Interest Rate for the TDAF Prime Auto loans for a QC resident in French.65. Process and validate the new miscellaneous screen to confirm the APR and COB values by doing the Delay of Payment for the TDAF Prime Auto loans for an non-QC resident in English.66. Process and validate the new miscellaneous screen to confirm the APR and COB values by doing the Delay of Payment for the TDAF Prime Auto loans for an non-QC resident in French.67. Process and validate the new miscellaneous screen to confirm the APR and COB values by doing the Delay of Payment for the TDAF Prime Auto loans for a QC resident in English.68. Process and validate the new miscellaneous screen to confirm the APR and COB values by doing the Delay of Payment for the TDAF Prime Auto loans for a QC resident in French.69. Process and validate the Amendment Agreement to confirm the APR and COB values by doing the Delay of Payment for the TDAF Prime Auto loans for an non-QC resident in English.70. Process and validate the Amendment Agreement to confirm the APR and COB values by doing the Delay of Payment for the TDAF Prime Auto loans for an non-QC resident in French.71. Process and validate the Amendment Agreement to confirm the APR and COB values by doing the Delay of Payment for the TDAF Prime Auto loans for a QC resident in English.72. Process and validate the Amendment Agreement to confirm the APR and COB values by doing the Delay of Payment for the TDAF Prime Auto loans for a QC resident in French.73. Process and validate the new miscellaneous screen to confirm the APR and COB values by doing the Fee Charged on Account for the TDAF Prime Auto loans for an non-QC resident in English.74. Process and validate the new miscellaneous screen to confirm the APR and COB values by doing the Fee Charged on Account for the TDAF Prime Auto loans for an non-QC resident in French.75. Process and validate the new miscellaneous screen to confirm the APR and COB values by doing the Fee Charged on Account for the TDAF Prime Auto loans for a QC resident in English.76. Process and validate the new miscellaneous screen to confirm the APR and COB values by doing the Fee Charged on Account for the TDAF Prime Auto loans for a QC resident in French.77. Process and validate the Amendment Agreement to confirm the APR and COB values by doing the Fee Charged on Account for the TDAF Prime Auto loans for an non-QC resident in English.78. Process and validate the Amendment Agreement to confirm the APR and COB values by doing the Fee Charged on Account for the TDAF Prime Auto loans for an non-QC resident in French.79. Process and validate the Amendment Agreement to confirm the APR and COB values by doing the Fee Charged on Account for the TDAF Prime Auto loans for a QC resident in English.80. Process and validate the Amendment Agreement to confirm the APR and COB values by doing the Fee Charged on Account for the TDAF Prime Auto loans for a QC resident in French.1.Same as above?2.How is 'Delay of Payment' simulated?PR005Create multiple risk tiers (Keys) within the existing Prime Auto TSTs in order to segment the Prime and NP product offering. All risk tiers should have an alphanumeric indicator to identify each product segment. This will be passed to LON from Fiserv in the LON file.

LON To:1. Add Tier Keys to BLONORIG table. 2. Display Tiers Keys within the LON, Refer to Appendix I: Prime (P) = 9 Bridge (B) = 6 Non-Prime = 2, 3, 4, 5

Note: For full list of TST and Tiers Key', Refer to Appendix A (Type and Sub Type)*Provide TSS with Risk Tiers sheet*TSS to validate the new miscellaneous screen, by confirming Risk Tiers are present and accurate.*TSS to query and validate the tiers are inserted in the BLONORIG table*TSS to validate that the tiers are 2 bytes character length1. Validate that the risk tiers for all the TSTs are displaying and accurate on the new Miscellaneous screen.2. Validate the risk tiers are inserted into the 'BLONORIG' table and verify that they are alphanumeric and 2 bytes in length as below: Prime (P) = 9 Bridge (B) = 6 Non-Prime = 2, 3, 4, 51. Appendix I?2. Please explain Appendix A.3. Do we need to refer to the 'Master File-24-05-14.xls'?4. Prime (P) = 9 Bridge (B) = 6 Non-Prime = 2, 3, 4, 5What do the above mean?5.How do we verify that the risk tier is 2 bytes long?PR007Include new fee category for all Prime & Non-Prime loans to include an Administration Fee. The Administration Fee will be passed in Fiserv LON file. The administration fee will vary based on province and term.- The fee is built into the Amount to Finance and deducted from dealer's proceeds.- The fee is pro-rated for the length of the term for example: If the Loan includes a lender administration fee of $500, the term of Loan is 24 months, and customer repays the Principal Amount after 12 months, the refund will be $250. Provided the customer is not in default, we will pay any refund either by cheque (payable to customer and any co-buyer) or by direct deposit to the bank account used to make payments. If customer is in default, we will apply any such refund to what customer owe us. A report is required out of LON to provide all pay-outs to TDAF Cash management team

Admin Fee Calculation:Step 1:# of Days from Contract Date to Refund DateDivided by# of Days from Contract Date to Original Maturity DateStep 2:(1 Above Result) * Fee Amount rounded to 2 decimal places. Minimum Refund = $0*Provide TSS with Admin Fee calculation.*TS to provide knowledge base in regards of Admin Fee calculation via scenarios to TSS

.*TSS to perform manual calculation of Admin Fee as provided by TS and via PR007.*TSS to validate the new miscellaneous screen, by confirming Admin Fee is present and accurate for prime and non-prime TDAF lon's1. Process and validate the new miscellaneous screen by calculating the Admin Fee for the TDAF Prime Auto loans for an non-QC resident in English.2. Process and validate the new miscellaneous screen by calculating the Admin Fee for the TDAF Prime Auto loans for an non-QC resident in French.3. Process and validate the new miscellaneous screen by calculating the Admin Fee for the TDAF Prime Auto loans for a QC resident in English.4. Process and validate the new miscellaneous screen by calculating the Admin Fee for the TDAF Prime Auto loans for a QC resident in French.5. Process and validate the new miscellaneous screen by calculating the Admin Fee for the TDAF Non-Prime Auto loans for an non-QC resident in English.6. Process and validate the new miscellaneous screen by calculating the Admin Fee for the TDAF Non-Prime Auto loans for an non-QC resident in French.7. Process and validate the new miscellaneous screen by calculating the Admin Fee for the TDAF Non-Prime Auto loans for a QC resident in English.8. Process and validate the new miscellaneous screen by calculating the Admin Fee for the TDAF Non-Prime Auto loans for a QC resident in French.1. How is the admin fee calculated differently for the various provinces?2. Is the admin fee differentiated only by the province. For example, the admin fee for a prime and a non-prime loan will be the same for Ontario?PR008Automate Rate Renewal process for TDAF loansBeing scoped, in progress for solutionN/APR009Require new TSTs for RV, LV & Marine product. The new TSTs will be:

Recreational Vehicles TSTRV Fixed Rate New 3360RV Fixed Rate Used 3361Marine Marine New 3362Marine Used 3363Leisure Vehicles Kawasaki Powersports 3364Arctic Cat Powersports 3365BRP Powersports 3366Polaris Powersports 3367Suzuki Powersports 3368Yamaha Powersports 3369KTM Powersports 3370Triumph Powersports 3371

LON Support To:To create above TST for LON in ProductionN/AN/APR010Create a new status indicator and date (when repossessed) in LON system applicable to both Prime and Non-Prime that enables the business and risk partners and Finance to track repossession inventory and replace any phase 1 interim manual tracking.Create a new status or indicator in LON system applicable to both Prime and Non-Prime that enables the business and risk partners and Finance to track repossession inventory and replace any phase 1 interim manual tracking.

LON To:1. Provide the ability of where TDAF could change the newly created loan status to identify "Repossessed" vehicle for downstream reports a. Data Indicator as follows:i. Status: "R" will represent a Repossessed vehicle ii. Date Stamp: will represent the business day the vehicle was RepossessedNote: This will be a manual intervention and not an automated processN/A*TSS to perform manual invert a TDAF Loan to Repossessed type "R"*TSS to perform manual invert a TDAF Loan with a Repossessed "Date stamp"1) Validate by performing manual invert a TDAF Prime Auto Loan to verify the new status indicator Repossessed type "R" and Repossessed "Date stamp".2) Validate by performing manual invert a TDAF Non-Prime Auto Loan to verify the new status indicator Repossessed type "R" and Repossessed "Date stamp"1. Does manual invert mean we need to update the status of the loan to 'R'?2. What is the significance of a Repossessed 'Date stamp'? Is this to be validated in the backend?3.Is this date auto populated and editable on the screen?4. Why is it mentioned that the new status indicator is applicable only to prime and non-prime categories...what about the remaining 3 types?5.For how many TSTs under each category will this functionality need to be tested?6. Will the status be changed to 'non-productive' automatically - PR011?PR006While the "Option Date" is already in scope for Quebec PAALs, this request is to ensure that these fields are passed along from Fiserv for all PAAL accounts and subsequently stored and displayed on the LON system for PAAL products along with allowable KMs and Residual Value

LON To:1. Display "Option Date" on new CCS TDAF(Miscellaneous) screena. Refer to Appendix I(SRS)N/A*TSS to validate the new miscellaneous screen, by confirming Option Date is present1) Validate that the new TDAF(Miscellaneous) screen is dipalying the "Option Date" field.2) Validate that the value under "Option Date" field on Fiserv for all Quebec PAAL accounts matches with the new TDAF(Miscellaneous) screen along with the allowable KMs and Residual Value.1.What r PAALs?2.What is the significance of an Option date? Is it auto populated? Is it an editable field? 3.Appendix I?PR011For repo status loans, the loan is to be automatically moved to non-productive status in order to flow through to the non-accrual GL setup for the TST.

LON To:1. In sure that all Loan with the status "Repossessed" will move to "Non-Productive" status.a. "Repossessed" and "Non-Productive" status should not be moved to "Write-Off" Status within the LON system2. Status should reflect the proper GL account, as the status change to "Repossessed" and "Non-Productive"

NOTE:1. #2, we need to confirm that proper account information for the status via NP status to repossessed are correct*Provide TSS with injected records that are with the status Non-Productive status.*TSS to perform a check that the TDAF Loan is set to Non-Productive status*TSS to perform a check that the TDAF Loan point to the accurate GL's - Refer to Tiers Key for GL's1) Validate that the repo status loans must be automatically moved to no-productive status.2) Valiadate that the TDAF Loans point to the accurate GL.1.Is the 3 digit branch GL displayed on the Misc screen?2.Do we refer to 'TST Master - 7-24-14.xls' for the branch GLs?CS004System stop auto represent for all non-prime accounts

LON To:1. Create new Apex/Upex Files from the current LON files, In addition:a. The new files should contain the same formats , plus:i. Add a new "ORG ID" within the new Apex/Upex files

Note: By adding the new ORG ID this will differentiate TDAF non-prime records and stop the auto representation only for Non-Prime loans, however this will reflect only the PAP accounts via OFI accounts*Provide TSS with Apex/Upex files.*TSS to validate and check that the Apex/Upex files contain the ORG ID, where it will stop the auto represents1) Validate the APEX/UPEX files, provided by the LOB, contains a new field 'ORG ID'.2) Validate the APEX/UPEX files, provided by the LOB, contains the same formats1. Will the file contain only non-prime records or all of them?CS005System must allow the agent to temporarily delay a regular payment for a number of days that does not exceed the next payment due date or 29 days whichever comes first.

New LON To(Assumption Approach):1. Provide the ability where TDAF could enter a new due date(CCS MCOM screen), in addition:a. The due date could not exceed 29 daysb. The due date could not pass the next existing due date2. In conjunction, LON will use the current process of a 2 day limitation for an OFI account, 1 day for a TD account, in the scenario of:a. If the customer wishes to change the due date and there is no buffer to perform that change reason on the due date is the next day, then Item 2 will be engaged.

b. If the customer wishes to change the due date and there is no buffer to perform that change reason on the due date is the next day, then Item 2 will be engaged.*Provide TSS access to the CSS MCOM screen*Provide TTS with LON's that have a buffer of more than 29 day to validate rules*Provide TTS with LON's that have a buffer of less or equal to 3 day to validate rules*TSS to perform a delay payment; however the system (LON) should not allow the following: - Not to exceed 29 days - Not to exceed the next due payment date- If the next payment date is within 3 business days it should be default to the following: - OFI is a 2 day limitation - TD account is a 1 day limitation1. Validate that the following scenarios are not allowed on the CSS MCOM screen-(a) Payment exceeding 29 days but within the next due date.(b) Payment exceeding the next due date but within 29 days.2. Validate the following, when the next payment date is less than or equal to 3 business days but greater than or equal to 2 days-(a)Payment can be made via OFI and TD account.3.Validate the following, when the next payment date is less than 2 business days but greater than 1 day-(a)Payment cannot be made via OFI but can be made via a TD account.4.Validate the following, when the next payment date is less than 1 business day-(a) Payment cannot be made via OFI/TD accounts(a)Payment cannot be made via OFI and TD account.CM008PPSA: LON to send electronic file to D&H for all accounts where any portion of the address has been changed in the province of Ontario during the day. File to be transmitted to D&H once per day. File to include fields of: Customer first name, middle name, last name, customer street, city, province and postal code, customer date of birth, year, make, model, vin of all pieces of collateral, current principle balance, remaining term to be increased to the nearest yearly increment (example 40 months should be increased to 48 months), account number, all AKA names, province of registration, registration number and expiry date. (The fields specified can be reduced based on D&H needs)

LON To (Assumption):1. Expend current process to include Non-Prime loans as done for Prime*Provide TSS with injected file to validate the following: - Notification that customer has changed address within Ontario - Notification that customer has changed address from Ontario to another province - Notification that customer has changed address from another province to another province - i.e. BC to SK*TSS to validate injected files with the rules below: - Notification that customer has changed address within Ontario - Notification that customer has changed address from Ontario to another province - Notification that customer has changed address from another province to another province - i.e. BC to SK1. Validate that a notification is displayed on the file from FISERV for the following kind of changes to the address-(a)Customer has changed the address within Ontario(b)Customer has chaged the address from Ontario to another provinceCustomer has changed the address from a province other than Ontario to a province other than Ontario.1. What is PPSA?CM009PPSA: D&H to accept amendment registration file from LON on all Ontario address changes, process file as amendments

Note: This is an D+H requirement as its for D+H to accept file via LON, which is referred in CM008*TS to test integration/connectivity points via D+HN/AOP002Overall Reporting: All reports built for the Prime portfolio will need to be built for the Non-Prime portfolio

Lon To:NOTE Assumptions:1. Same reports and letters created in Prime will be used by Non-Prime a. TDAF needs advise and to determine if they will be replicated or combine into one with Prime & NON-Prime2. All data feeds will remain the same as current (phase 1) for Non-prime.a. TDAF will need to advise if they need further data as they might have different letter layouts

Reference: For Report Layout created in Phase 1, please refer to Appendix C(SRS)*TS to provide TSS with all letters/reports as currently built in Phase 1*TSS to validate all reports/letters to insure they contain Non-Prime date along with Prime data1) Validate that the reports/letters will contain the Non-Prime data along with Prime data1. What are the different types of letters/reports that need to be validated?2. What about the remaining 3 categories?C006System to not auto represent for non-prime accountsExplanation:Currently in Keysys, we represent NSF payments on Prime only. We dont represent NSF (return) payments on Non-Prime to avoid incurring excessive bank NSF charges for the customers.

Within Rewind, we dont want the NSF payments on Non-Prime to be represented to the customer's bank; we only want to make the originally scheduled attempt, if its returned it will be handled through the collection process.

Note: The above is same as CS004, where this will suffice this requirement.By adding the new ORG ID in the feed, this will differentiate TDAF non-prime records and stop the auto represent for Non-Prime loansN/ASame verification as CS0041) Validate the APEX/UPEX files, provided by the LOB, contains a new field 'ORG ID'.2) Validate the APEX/UPEX files, provided by the LOB, contains the same formatsC005System must calculate and identify for the agent the number of payments that have been added to the end of the loan

NOTE: No change will need to occur to LON as for:1. LON system contains the extension via the CCS Payment extension. Please refer to appendix G(SRS)*TS to provide TSS with access to the CCS payment extention screen*TSS to validate the number of payments via the tdaf loan, and insure the number of payments are accurate via the end of the loan1) Validate that the CCS payment extension screen for the number of payments made by the end of the loan is accurate.1.Which field will display the total number of payments made by a borrower and how do we ensure that the number is accurate?2.Appendix G?GC002Annual PEI disclosure manual developed for 2014 keysys letters, process should be automated in loan or letter module

LON To:1. Extract Data to CSV file format, Refer to appendix F for field mappinga. Data Should be triggered by LON in order to create outputb. This is only for customer within PEI with a fixed rate2. CSV file will be transferred by EBX to TDAFa. New EBX account will be requiredNote: 1. LON could utilize the AVR letter to suffice the PEI letter, in addition:a. The Fields: S-TotalInterest and S_ClosingBalance do not exist in LON Database where we will need to drive by our existing data with in LON database in order to append to the AVR letter layout to produce the PEI letter'.*Provide TSS with CSV file format of AVR letter (this will suffice the PEI letters)*TSS to validate the file and to insure all fields are captured, refer to SRS appendixes via GC002, which show the PEI letter and AVR file layout. In Addition insure they are for fixed rate loans only via the lon system.1) Validate that the CSV file captures all the fields for fixed rate loans.1.PEI/AVR?2.What fields are present in the file..against what do they need to be validated?3.Why are they applicable only to fixed rate loans?GC003Loan renewal disclosures: a) Ensuring this is automated on loan and that pre and post renewal notices are issuedb) Ensuring that disclosures accurately reflect provincial requirements (for example, COB shouldnt include PPSA fee on renewal confirmations & PPSA fee & registration cost should be separated.

LON To:1. Create a new Renewal Confirmation letter file (post-renewal) to be sent to the TDAF Letter system, for both prime and non-prime loans.2. Add non-prime loans to the existing Pre-renewal letter file currently sent to the TDAF Letter System. NOTE: pending confirmation that 30-days is still acceptable.*Provide TSS with CSV file format of the new Renewal confirmation letter (post renewal) for both prime and non-prime.*Provide TSS with CSV file format of the Pre- Renewal letter for non-prime.*TSS to validate the files and to insure all fields are captured, refer to SRS appendixes via GC003(work in progress).1) Validate that all the fields are captured in the new Renewal confirmation letter (post renewal) for both prime and non-prime.2) Validate that all the fields are captured in the Pre- Renewal letter for non-prime.1.What fields are present in the file..against what do they need to be validated?2. Please explain the following-b) Ensuring that disclosures accurately reflect provincial requirements (for example, COB shouldnt include PPSA fee on renewal confirmations & PPSA fee & registration cost should be separated.LON001Accept new transmission form Fiserv 5.0, merge with HI files from Fiserv 4.8

NOTE: review of TDAF questioner July 211. Parvin has been asked to provide a the layout, however if not provided TDAF will go to Fiserv to provide2. This has been discussed with Bharat, as to where is no impact for HI LoansN/AN/ALON002Create new screen [CCS TDAF (Miscellaneous)] to give business the ability to enter any new information coming for phase 2 e.g. Insurance data

LON To:1. Move car details from ELON3 to CCS TDAF (Miscellaneous) screena. Refer to Appendix I

NOTE: 1. Fields will be from PR001 and the Repo fields if applicable.2. Car details PR0053. Option date PR006N/A*TSS to insure the following via the miscellaneous screen:

1. Move car details from ELON3 to CCS TDAF (Miscellaneous) screena. Refer to Appendix I2. Fields will be from PR001 and the Repo fields if applicable.3. Car details PR0054. Option date PR0061) Validate that the car details are moved for CCS ELON3 screen to CCS TDAF(Miscellaneous) screen.1. ELON3?LON003To Capture New TST' and correspondent GL's via the TST, from Option 2 approach by TDAF

Note: Refer to PCR 17 for similar changeN/AN/APCR-15(Renewal's)The requirements below extend from PCR 15, which have moved to Rewind Phase 2

1. 30 days before Loan become eligible for renewal, create a file for D+H that has the Fiserv #, customer new address(assume st#,street, city, province and postal code), remaining terms of the loan in years rounded up and DOB, Loan #.

2. The changes to include PPSA fee in the Renewal amount, accounting entries for PPSA , including the PPSA in the renewal information sent to TDAF when the actual renewal is done is out of scope for this PCR

LON To:1. Append similar cursor to the one in PLONEXPA for renewals; add another criteria to look at Renewal dates is 30 days away from current date. Include the LOB indicator in the cursor too. Merge with BLONLDXR.2. Fiserv #, customer new address (assume st#, street, city, province and postal code), remaining terms of the loan in years rounded up and DOB, Loan #.*TS to provided TSS the PLONEXPA*TSS to validate the following:

Validate the fields via PLONEXPA:Fiserv #, customer new address (assume st#, street, city, province and postal code), remaining terms of the loan in years rounded up and DOB, Loan #.

Insure the renewal is 30 day away from the current date of the renewal1. Query and validate the PLONEXPA table for the following fields, for a renewal performed 30 days prior to the current date of renewal:(a)Fiserv #(b)Customer new address (assume st#, street, city, province and postal code)Remaining terms of the loan in years rounded up(d)DOB(e)Loan #.

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Scenarios_WP1FUNCTIONAL REQUIREMENTSTS - LOB RESPONSIBILITYTSS RESPONSIBILITYPre-ConditionHIGH LEVEL SCENARIOSCommentsPR001Require LON to accept the following new fields passed from Fiserv in LON file for all TDAF loans (Prime Auto, Non-Prime Auto, RV, Powersport and Marine):

1. Annual Percentage Rate (APR)2. Total Interest3. Life Insurance4. A/H (Disability) Insurance5. Replacement Insurance6. Gap Insurance7. Other Insurance8. Taxes on Insurances9. PPSA/RPDRM10. Cash Foregone11. Lender Administration Fee12. Cost of Borrowing (COB)

LON To:1. Fields to be display, within new CCS TDAF(Miscellaneous) screena. Refer to Appendix I2. The process of data transferring will be via EBX and SBI3. The Information will be stored in LON DB2 database a. Refer to layout(Parvin or Fiserv to Provide)*Provide TSS with Fiserv file layout*Provide TSS with Fiserv file feed*Provide TSS with access to LON to view the new miscellaneous screen*TSS to review Fiserv feed via Fiserv layout and to insure the mapping is accurate.*TSS to validate the new miscellaneous screen, by confirming all the proposed columns in PR001 are present.LOB to provide the FiServ fileLOB to provide the prime and non-prime reportsValidating the 12 new fields present in the file from FiServ against the screen(a), table(b) and report(c)-

1a.Validate the file from FiServ for a Non-Prime loan against the new CCS TDAF (Miscellaneous) screen for the 12 new fields in English, for TST 3372.1b.Validate the file from FiServ for a Non-Prime loan against the table for the 12 new fields in English, for TST 3372.1c.Validate the file from FiServ for a Non-Prime loan against the report for the 12 new fields in English, for TST 3372.

2a.Validate the file from FiServ for a Non-Prime loan against the new CCS TDAF (Miscellaneous) screen for the 12 new fields in French, for TST 3374.2b.Validate the file from FiServ for a Non-Prime loan against the table for the 12 new fields in French, for TST 3374.2c.Validate the file from FiServ for a Non-Prime loan against the report for the 12 new fields in French, for TST 3374.

3a.Validate the file from FiServ for a Non-Prime loan against the new CCS TDAF (Miscellaneous) screen for the 12 new fields in English, for TST 3375.3b.Validate the file from FiServ for a Non-Prime loan against the table for the 12 new fields in English, for TST 3375.3c.Validate the file from FiServ for a Non-Prime loan against the report for the 12 new fields in English, for TST 3375.

4a.Validate the file from FiServ for a Prime loan against the new CCS TDAF (Miscellaneous) screen for the 12 new fields in English, for TST 3349.4b.Validate the file from FiServ for a Prime loan against the table for the 12 new fields in English, for TST 3349.4c.Validate the file from FiServ for a Prime loan against the report for the 12 new fields in English, for TST 3349.12PR005Create multiple risk tiers (Keys) within the existing Prime Auto TSTs in order to segment the Prime and NP product offering. All risk tiers should have an numeric indicator to identify each product segment. This will be passed to LON from Fiserv in the LON file.

LON To:1. Add Tier Keys to BLONORIG table. 2. Display Tiers Keys within the LON, Refer to Appendix I: Prime (P) = 9 Bridge (B) = 6 Non-Prime = 2, 3, 4, 5

Note: For full list of TST and Tiers Key', Refer to Appendix A (Type and Sub Type)*Provide TSS with Risk Tiers sheet*TSS to validate the new miscellaneous screen, by confirming Risk Tiers are present and accurate.*TSS to query and validate the tiers are inserted in the BLONORIG table*TSS to validate that the tiers are 2 bytes character lengthLOB to provide the FiServ fileLOB to provide the prime and non-prime reportsValidating the 'Risk Tiers' present in the file from FiServ against the screen(a), table(b)-1a.Validate the 'Risk Tier' displayed on the file from FiServ for a Non-Prime loan against the 'Risk Tier' displayed on the new CCS TDAF (Miscellaneous)in English, for TST 3372.1b.Validate the 'Risk Tier' displayed on the file from FiServ for a Non-Prime loan against the 'Risk Tier' displayed on the ? table in English, for TST 3372, and verify that it is numeric and 2 bytes in length.

2a.Validate the 'Risk Tier' displayed on the file from FiServ for a Non-Prime loan against the 'Risk Tier' displayed on the new CCS TDAF (Miscellaneous)in French, for TST 3374.2b.Validate the 'Risk Tier' displayed on the file from FiServ for a Non-Prime loan against the 'Risk Tier' displayed on the ? table in French, for TST 3374, and verify that it is numeric and 2 bytes in length.

3a.Validate the 'Risk Tier' displayed on the file from FiServ for a Non-Prime loan against the 'Risk Tier' displayed on the new CCS TDAF (Miscellaneous)in English, for TST 3375.3b.Validate the 'Risk Tier' displayed on the file from FiServ for a Non-Prime loan against the 'Risk Tier' displayed on the ? table in English, for TST 3375, and verify that it is numeric and 2 bytes in length.

4a.Validate the 'Risk Tier' displayed on the file from FiServ for a Prime loan against the 'Risk Tier' displayed on the new CCS TDAF (Miscellaneous)in English, for TST 3349.4b.Validate the 'Risk Tier' displayed on the file from FiServ for a Prime loan against the 'Risk Tier' displayed on the ? table in English, for TST 3349, and verify that it is numeric and 2 bytes in length.8PR012 As part of Net Payout enhancement in Fiserv, require a new field in LON to capture the Net Payout Amount, which will be passed in Fiserv LON File. The Net Payout Amount should be deducted from dealers proceeds.

LON To:1. Accept Field into LON System as stated within PR001 via Fiserv2. Deduct the amount from the dealer proceeds if Net Pay amount is non-zeroReflect the deduction amount from all report that display the dealer proceeds amount.TS to insure we are capturing the Net Payout filed within DB2

Supply TSS with injected file that will allow them to validate the net payout amount from the reportsTSS to review reports, please refer to FR001 and OP002LOB to provide the FiServ fileLOB to provide the prime and non-prime reportsNew Daily Report and table validation of 'Proceeds':1a.Validate the 'Proceeds' present on the new daily report against the miscellaneous screen for a Non-Prime Loan of TST 3372, in English.1b.Validate the 'Proceeds' amount present on the new daily report against the table for a Non-Prime Loan of TST 3372, in English.

2a.Validate the 'Proceeds' present on the new daily report against the miscellaneous screen for a Non-Prime Loan of TST 3374, in English.2b.Validate the 'Proceeds' present on the new daily report against the table for a Non-Prime Loan of TST 3374, in English.

3a.Validate the 'Proceeds' present on the new daily report against the miscellaneous screen for a Non-Prime Loan of TST 3375, in English.3b.Validate the 'Proceeds' present on the new daily report against the table for a Non-Prime Loan of TST 3375, in English.

4a.Validate the 'Proceeds' present on the new daily report against the miscellaneous screen for a Prime Loan of TST 3349, in English.4b.Validate the 'Proceeds' present on the new daily report against the table for a Prime Loan of TST 3349, in English.

5a.Validate the 'Proceeds' present on the new daily report against the miscellaneous screen for a Prime Loan of TST 3349, in French.5b.Validate the 'Proceeds' present on the new daily report against the table for a Prime Loan of TST 3349, in French.10C001 Non-Prime accounts to be moved into CDM as soon as status is DE or NP, and payment due date is greater than 0 day

Lon To:Non-Prime accounts in DE or NP and the due date is greater more than 0 days, to be sent to CDM via LON*Provide TSS with injected records that are that support the Status DE or NP within the balance amountTSS to verify that DE or NP status records are properly out line via Day, which will insure the function successfulLOB to provide non-prime loan accounts in DE and NP statuses.1a.Validate that non-prime accounts having status 'DE' and payment due date >0 are displayed on the table for Non-Prime Loan of TST 3372, in English. 1b.Validate that the user is not allowed to make payments on the host screen for a non-prime account of having TST 3372 having status 'DE' and payment due date >0, in English. 1c.Validate that the Non-Prime Loan of TST 3372 moves to CDM.

2a.Validate that non-prime accounts having status 'DE' and payment due date >0 are displayed on the table for Non-Prime Loan of TST 3374, in French. 2b.Validate that the user is not allowed to make payments on the host screen for a non-prime account of having TST 3374 having status 'DE' and payment due date >0, in French. 2c.Validate that the Non-Prime Loan of TST 3374 moves to CDM.

3a.Validate that non-prime accounts having status 'NP' and payment due date >0 are displayed on the table for Non-Prime Loan of TST 3375, in English. 3b.Validate that the user is not allowed to make payments on the host screen for a non-prime account of having TST 3375 having status 'DE' and payment due date >0, in English. 3c.Validate that the Non-Prime Loan of TST 3375 moves to CDM.

4a.Validate that non-prime accounts having status 'NP' and payment due date >0 are displayed on the table for Non-Prime Loan of TST 3372, in French. 4b.Validate that the user is not allowed to make payments on the host screen for a non-prime account of having TST 3372 having status 'DE' and payment due date >0, in French. 4c.Validate that the Non-Prime Loan of TST 3372 moves to CDM.12

Scenarios_WP2FUNCTIONAL REQUIREMENTSTSS RESPONSIBILITYPre-conditionHIGH LEVEL SCENARIOSCommentsPR002Require LON to calculate APR for all TDAF loans (Prime Auto, Non-Prime Auto, RV, Powersport and Marine):

Formula for APR (non-QC resident)(Total Interest for Term of Loan + Cash Foregone + Lender Admin Fee) divided by (Average Balance excluding Non-Interest COB components times term of the loan in years)

Formula for APR (QC resident)(Total Interest for Term of Loan + Cash Foregone + Lender Admin Fee + Sum of all optional insurances + taxes on insurances + RPDRM fee) divided by (Average Balance excluding Non-Interest COB components times term of the loan in years)Note: Refer to Appendix E(SRS) for detailed information in regards of APR calculations*Provide TSS the APR calculation, via LON System*Provide TSS with APR calculation excel sheet*TS to provide knowledge base in regards of APR calculation to TSS*TSS to perform manual calculation of APR as provided in PR002. - Additional confirmation of the APR calculation use excel sheet that has been provided by TS*TSS to validate the new miscellaneous screen, by confirming APR field is present and accurate.*LOB to provide the APR calculation excel sheet*LOB to provide the Fiserv file1a. Process and validate the APR calculation by manually calculating and verifying the value using the APR calculation excel sheet for the TDAF Prime Auto loans of 3349 TST for a non-QC resident in English.1b. Validate the new miscellaneous screen that the APR field is present with the above calculated value is populated for the TDAF Prime Auto loans of 3349 TST for a non-QC resident in English.2a. Process and validate the APR calculation by manually calculating and verifying the value using the APR calculation excel sheet for the TDAF Prime Auto loans of 3349 TST for a QC resident in French.2b. Validate the new miscellaneous screen that the APR field is present with the above calculated value is populated for the TDAF Prime Auto loans of 3349 TST for a QC resident in French.3a. Process and validate the APR calculation by manually calculating and verifying the value using the APR calculation excel sheet for the TDAF Non-Prime Auto loans of 3372 TST for a QC resident in English.3b. Validate the new miscellaneous screen that the APR field is present with the above calculated value is populated for the TDAF Non-Prime Auto loans of 3372 TST for a QC resident in English.4a. Process and validate the APR calculation by manually calculating and verifying the value using the APR calculation excel sheet for the TDAF Non-Prime Auto loans of 3372 TST for a non-QC resident in French.4b. Validate the new miscellaneous screen that the APR field is present with the above calculated value is populated for the TDAF Non-Prime Auto loans of 3372 TST for a non-QC resident in French.5a. Process and validate the APR calculation by manually calculating and verifying the value using the APR calculation excel sheet for the TDAF Non-Prime Auto loans of 3374 TST for a non-QC resident in French.5b. Validate the new miscellaneous screen that the APR field is present with the above calculated value is populated for the TDAF Non-Prime Auto loans of 3374 TST for a non-QC resident in French.6a. Process and validate the APR calculation by manually calculating and verifying the value using the APR calculation excel sheet for the TDAF Non-Prime Auto loans of 3374 TST for a QC resident in English.6b. Validate the new miscellaneous screen that the APR field is present with the above calculated value is populated for the TDAF Non-Prime Auto loans of 3374 TST for a QC resident in English.7a. Process and validate the APR calculation by manually calculating and verifying the value using the APR calculation excel sheet for the TDAF Non-Prime Auto loans of 3375 TST for a non-QC resident in English.7b. Validate the new miscellaneous screen that the APR field is present with the above calculated value is populated for the TDAF Non-Prime Auto loans of 3375 TST for a non-QC resident in English.8a. Process and validate the APR calculation by manually calculating and verifying the value using the APR calculation excel sheet for the TDAF Non-Prime Auto loans of 3375 TST for a QC resident in French.8b. Validate the new miscellaneous screen that the APR field is present with the above calculated value is populated for the TDAF Non-Prime Auto loans of 3375 TST for a QC resident in French.Total - 16 - a and b cases. a case is for manual calc and b case is for screen validation.PR003Require LON to have own calculation for Total Interest that looks back at interest paid and sums with future interest*Provide TSS with Total Interest calculation*TSS to perform manual calculation of Total Interest as provided by TS.*TSS to validate the new miscellaneous screen, by confirming Total Interest field is present.*LOB to provide the Fiserv file1a. Process and validate by manually calculating the Total Interest value for the TDAF Prime Auto loans of 3349TST.1b. Validate the MISC screen that the Total Interest value is populated with the above calculated value for the TDAF Prime Auto loans of 3349 TST.2a. Process and validate by manually calculating the Total Interest value for the TDAF Non-Prime Auto loans of 3372 TST.2b. Validate the MISC screen that the Total Interest value is populated with the above calculated value for the TDAF Non-Prime Auto loans of 3372 TST.3a. Process and validate by manually calculating the Total Interest value for the TDAF Non-Prime Auto loans of 3374 TST.3b. Validate the MISC screen that the Total Interest value is populated with the above calculated value for the TDAF Non-Prime Auto loans of 3374 TST.4a. Process and validate by manually calculating the Total Interest value for the TDAF Non-Prime Auto loans of 3375 TST.4b. Validate the MISC screen that the Total Interest value is populated with the above calculated value for the TDAF Non-Prime Auto loans of 3375 TST.Total - 8 - a and b cases. a case is for manual calc and b case is for screen validation.PR004On any change in LON that impacts the customers cost of borrowing (COB), LON would need to recalculate and restate the APR and COB on the Amending Agreement.

Scenarios would be:- Change of Payment Frequency- Change Regular Payment Amount- Change Payment Due Date- Apply Lump Sum Payment- Reverse Lump Sum Payment- Payment extension- Payment extension reversal- Interest Rate Change- Delay of Payment- Fee Charged on Account

LON To:1. Change all Module's to call new APR Calculation2. Change all Module's where APR need to be captured via TDAF*Provide TSS with recalculation for APR and COB*Provide TSS with an injection file of Amendments file.*TS to provide knowledge base in regards of APR/OCB calculation via scenarios to TSS*TSS to perform manual recalculation calculation of APR/OCB as provided by TS via scenarios.*TSS to validate the new miscellaneous screen, by confirming APR/OCB recalculation via scenarios.*TSS to validate Amendments file via APR/OCB recalculation via scenarios.*LOB to provide the Amendment filesBelow scenarios are written for Prime TST - 3349. Non-Prime TSTs - 3372, 3374 and 3375 must be covered in the same way.1a. Process and validate by changing the Payment Frequency for the TDAF Prime Auto loans of 3349 TST in English.1b. Validate the new miscellaneous screen, by confirming APR/OCB recalculation for the TDAF Prime Auto loans of 3349TST for in English.1c. Validate the Amendment file for the APR/COB recalculation for the TDAF Prime Auto loans of 3349 TST in English.2a. Process and validate by changing the Regular Payment Amount for the TDAF Prime Auto loans of 3349 TST in French.2b. Validate the new miscellaneous screen, by confirming APR/OCB recalculation for the TDAF Prime Auto loans of 3349 TST in French.2c.Validate the Amendment file for the APR/COB recalculation for the TDAF Prime Auto loans of 3349 TST in French.3a. Process and validate by changing the Payment Due Date for the TDAF Prime Auto loans of 3349 TST in English.3b. Validate the new miscellaneous screen, by confirming APR/OCB recalculation for the TDAF Prime Auto loans of 3349 TST in English.3c.Validate the Amendment file for the APR/COB recalculation for the TDAF Prime Auto loans of 3349 TST in English.4a. Process and validate by applying Lump Sum Payment for the TDAF Prime Auto loans of 3349 TST in French.4b. Validate the new miscellaneous screen, by confirming APR/OCB recalculation for the TDAF Prime Auto loans of 3349 TST in French.4c.Validate the Amendment file for the APR/COB recalculation for the TDAF Prime Auto loans of 3349 TST in French.5a. Process and validate by reversing the Lump Sum Payment for the TDAF Prime Auto loans of 3349 TST in English.5b. Validate the new miscellaneous screen, by confirming APR/OCB recalculation for the TDAF Prime Auto loans of 3349 TST in English.5c.Validate the Amendment file for the APR/COB recalculation for the TDAF Prime Auto loans of 3349 TST in English.6a. Process and validate by doing the Payment extension for the TDAF Prime Auto loans of 3349 TST in French.6b. Validate the new miscellaneous screen, by confirming APR/OCB recalculation for the TDAF Prime Auto loans of 3349 TST in French.6c.Validate the Amendment file for the APR/COB recalculation for the TDAF Prime Auto loans of 3349 TST in French.7a. Process and validate by doing the Payment extension reversal for the TDAF Prime Auto loans of 3349 TST in English.7b. Validate the new miscellaneous screen, by confirming APR/OCB recalculation for the TDAF Prime Auto loans of 3349 TST in English.7c.Validate the Amendment file for the APR/COB recalculation for the TDAF Prime Auto loans of 3349 TST in English.8a. Process and validate by doing Interest Rate Change for the TDAF Prime Auto loans of 3349 TST in French.8b. Validate the new miscellaneous screen, by confirming APR/OCB recalculation for the TDAF Prime Auto loans of 3349 TST in French.8c.Validate the Amendment file for the APR/COB recalculation for the TDAF Prime Auto loans of 3349 TST in French.9a. Process and validate by doing Delay of Payment for the TDAF Prime Auto loans of 3349 TST in English.9b. Validate the new miscellaneous screen, by confirming APR/OCB recalculation for the TDAF Prime Auto loans of 3349 TST in English.9c.Validate the Amendment file for the APR/COB recalculation for the TDAF Prime Auto loans of 3349 TST in English.10a. Process and validate by updating Fee Charged on Account for the TDAF Prime Auto loans of 3349 TST in French.10b. Validate the new miscellaneous screen, by confirming APR/OCB recalculation for the TDAF Prime Auto loans of 3349 TST in French.10c.Validate the Amendment file for the APR/COB recalculation for the TDAF Prime Auto loans of 3349 TST in French.Total - 120. Only for Prime TST-3349: 30 cases are covered here. Same way Non-prime TST-3372,3374 and 3375 will have each 30. In total 120 cases will come for this.PR010Create a new status indicator and date (when repossessed) in LON system applicable to both Prime and Non-Prime that enables the business and risk partners and Finance to track repossession inventory and replace any phase 1 interim manual trackingLON To:1. Provide the ability of where TDAF could change the newly created loan status to identify "Repossessed" vehicle for downstream reports a. Data Indicator as follows:i. Status: "R" will represent a Repossessed vehicle ii. Date Stamp: will represent the business day the vehicle was RepossessedNote: This will be a manual intervention and not an automated processN/A*TSS to perform manual invert a TDAF Loan to Repossessed type "R"*TSS to perform manual invert a TDAF Loan with a Repossessed "Date stamp"*LOB to provide the DB2 table name*LOB to provide the screen name1a. Process and validate the AAAA screen by changing the Repossessed Status and Repossessed Date Stamp for the TDAF Prime Auto loans of 3349 TST.1b. Validate the DB2 table is reflected with the above changes for the TDAF Prime Auto loans of 3349 TST.2a. Process and validate the AAAA screen by changing the Repossessed Status and Repossessed Date Stamp for the TDAF Non-Prime Auto loans of 3372 TST.2b. Validate the DB2 table is reflected with the above changes for the TDAF Prime Auto loans of 3372 TST.3a. Process and validate the AAAA screen by changing the Repossessed Status and Repossessed Date Stamp for the TDAF Non-Prime Auto loans of 3374 TST.3b. Validate the DB2 table is reflected with the above changes for the TDAF Non-Prime Auto loans of 3342 TST.4a. Process and validate the AAAA screen by changing the Repossessed Status and Repossessed Date Stamp for the TDAF Non-Prime Auto loans of 3375.4b. Validate the DB2 table is reflected with the above changes for the TDAF Non-Prime Auto loans of 3375 TST.Total - 8 - a and b cases. a case is for transaction and b case is for DB2 validation.

Scenarios_WP3FUNCTIONAL REQUIREMENTSTS - LOB RESPONSIBILITYTSS RESPONSIBILITYPre-conditionHIGH LEVEL SCENARIOSCommentsGC003Loan renewal disclosures: a) Ensuring this is automated on loan and that pre and post renewal notices are issuedb) Ensuring that disclosures accurately reflect provincial requirements (for example, COB shouldnt include PPSA fee on renewal confirmations & PPSA fee & registration cost should be separated.

LON To:1. Create a new Renewal Agreement letter file (pre-renewal) to be sent to the TDAF Letter system 30 days prior to renewal, for both prime and non-prime loans Create a new Renewal Confirmation letter file (post-renewal) to be sent to the TDAF Letter system, for both prime and non-prime loans.2. Add non-prime loans to the existing Renewal confirmation letter file currently sent to the TDAF Letter System Add non-prime loans to the existing Pre-renewal letter file currently sent to the TDAF Letter System.*Provide TSS with CSV file format of the new Renewal confirmation letter (post renewal) for both prime and non-prime.*Provide TSS with CSV file format of the Pre- Renewal letter for non-prime.*TSS to validate the files and to insure all fields are captured, refer to SRS appendixes via GC003(work in progress).LOB to provide renewal agreement b4 30 days ofLOB - renewal confValidation of Renewal Agreement and Renewal Confirmation letters-1a.Validate the Renewal Agreement letter file (pre-renewal) for a Prime Loan of TST 3349, in English.1b.Validate the Renewal confirmation letter (post renewal) for a Prime Loan of TST 3349, in English.

2a.Validate the Renewal Agreement letter file (pre-renewal) for a Non-Prime Loan of TST 3372, in English.2b.Validate the Renewal confirmation letter (post renewal) for a Non-Prime Loan of TST 3372, in English.

3a.Validate the Renewal Agreement letter file (pre-renewal) for a Non-Prime Loan of TST 3374, in French.3b.Validate the Renewal confirmation letter (post renewal) for a Non-Prime Loan of TST 3374, in French.

4a.Validate the Renewal Agreement letter file (pre-renewal) for a Non-Prime Loan of TST 3375, in English.4b.Validate the Renewal confirmation letter (post renewal) for a Non-Prime Loan of TST 3375, in English.

.8PCR-15(Renewal's)The requirements below extend from PCR 15, which have moved to Rewind Phase 2

1. 30 days before Loan become eligible for renewal, create a file for D+H that has the Fiserv #, customer new address(assume st#,street, city, province and postal code), remaining terms of the loan in years rounded up and DOB, Loan #.

2. The changes to include PPSA fee in the Renewal amount, accounting entries for PPSA , including the PPSA in the renewal information sent to TDAF when the actual renewal is done is out of scope for this PCR

LON To:1. Append similar cursor to the one in PLONEXPA for renewals; add another criteria to look at Renewal dates is 30 days away from current date. Include the LOB indicator in the cursor too. Merge with BLONLDXR.2. Fiserv #, customer new address (assume st#, street, city, province and postal code), remaining terms of the loan in years rounded up and DOB, Loan #.*TS to provided TSS the PLONEXPA*TSS to validate the following:

Validate the fields via PLONEXPA:Fiserv #, customer new address (assume st#, street, city, province and postal code), remaining terms of the loan in years rounded up and DOB, Loan #.

Insure the renewal is 30 day away from the current date of the renewal1. Validate PLONEXPA for the following fields for a Non-Prime account of TST 3372, in English:Fiserv #, customer new address (assume st#, street, city, province and postal code), remaining terms of the loan in years rounded up and DOB, Loan #.

2.Validate PLONEXPA for the following fields for a Non-Prime account of TST 3374, in English:Fiserv #, customer new address (assume st#, street, city, province and postal code), remaining terms of the loan in years rounded up and DOB, Loan #.

3.Validate PLONEXPA for the following fields for a Non-Prime account of TST 3375, in English:Fiserv #, customer new address (assume st#, street, city, province and postal code), remaining terms of the loan in years rounded up and DOB, Loan #.

4.Validate PLONEXPA for the following fields for a Prime account of TST 3349, in English:Fiserv #, customer new address (assume st#, street, city, province and postal code), remaining terms of the loan in years rounded up and DOB, Loan #.4

Scenarios_WP4FUNCTIONAL REQUIREMENTSTS - LOB RESPONSIBILITYTSS RESPONSIBILITYPre-conditionHIGH LEVEL SCENARIOSCommentsFR001 A new field with Admin fee is required in the Daily New Loans report

LON To:Add "Admin Fee" column within the Daily New Loans reportValidate and insure Daily New report contain the Admin column

**NOTE***PR012, impacts this requirement where TSS need to validate that the Net Payout Amount is deducted from the Dealer ProcessedREF PR012*LOB to provide the Daily New Loan report with all the 1 Prime and 3 Non-Prime TST data*PR012 must be executed successfully1. Validate the Admin fee column is added to 'Daily New Loans' report for the TDAF Prime Auto loans of 3349 TST.2. Validate the Admin fee column is added to 'Daily New Loans' report for the TDAF Prime Auto loans of 3372 TST.3. Validate the Admin fee column is added to 'Daily New Loans' reportfor the TDAF Prime Auto loans of 3374 TST.4. Validate the Admin fee column is added to 'Daily New Loans' report for the TDAF Prime Auto loans of 3375 TST.Total - 4 - Daily New Loan report validation for 1 Prime and 3 Non-Prime TST.C005System must calculate and identify for the agent the number of payments that have been added to the end of the loan

NOTE: No change will need to occur to LON as for:1. LON system contains the extension via the CCS Payment extension. Please refer to appendix G(SRS)*TS to provide TSS with access to the CCS payment extension screen*TSS to validate the number of payments via the tdaf loan, and insure the number of payments are accurate via the end of the loan1. Validate the Payment Extension screen for the Payments Extended value for the TDAF Prime Auto loans of 3349 TST.2. Validate the Payment Extension screen for the Payments Extended value for the TDAF Prime Auto loans of 3372 TST.3. Validate the Payment Extension screen for the Payments Extended value for the TDAF Prime Auto loans of 3374 TST.4. Validate the Payment Extension screen for the Payments Extended value for the TDAF Prime Auto loans of 3375 TST.Total - 4 - Payments Extended check for 1 Prime and 3 Non-Prime TST.PR011For repo status loans, the loan is to be automatically moved to non-productive status in order to flow through to the non-accrual GL setup for the TST.

LON To:1. In sure that all Loan with the status "Repossessed" will move to "Non-Productive" status.a. "Repossessed" and "Non-Productive" status should not be moved to "Write-Off" Status within the LON system2. Status should reflect the proper GL account, as the status change to "Repossessed" and "Non-Productive"

NOTE:1. #2, we need to confirm that proper account information for the status via NP status to repossessed are correct*Provide TSS with injected records that are with the status Non-Productive status.*TSS to perform a check that the TDAF Loan is set to Non-Productive status*TSS to perform a check that the TDAF Loan point to the accurate GL's - Refer to Tiers Key for GL'sLOB to provide repossessed records that are with the Non-Productive status.Validation of the 'Non-Productive' status and GLs-

1a.Validate the status of the account is set to 'Non - Productive' on the screen for a non-prime loan of TST 3372, in English.1b.Validate the status of the account is set to 'Non - Productive' on the table for a non-prime loan of TST 3372.1c.Validate that the non-prime loan of TST 3372, points to the correct GL.1d. Make a payment of all the dues and verify on the table and in the host that the status has changed to 'Active' for the above. Also verify that the TST points to the accurate GL.

2a.Validate the status of the account is set to 'Non - Productive' on the screen for a non-prime loan of TST 3374, in French.2b.Validate the status of the account is set to 'Non - Productive' on the table for a non-prime loan of TST 3374.2c.Validate that the non-prime loan of TST 3374, points to the correct GL.2d. Make a payment of all the dues and verify on the table and in the host that the status has changed to 'Active' for the above. Also verify that the TST points to the accurate GL.

3a.Validate the status of the account is set to 'Non - Productive' on the screen for a non-prime loan of TST 3375, in English.3b.Validate the status of the account is set to 'Non - Productive' on the table for a non-prime loan of TST 3375.3c.Validate that the non-prime loan of TST 3375, points to the correct GL.3d. Make a payment of all the dues and verify on the table and in the host that the status has changed to 'Active' for the above. Also verify that the TST points to the accurate GL.

4a.Validate the status of the account is set to 'Non - Productive' on the screen for a prime loan of TST 3349, in English.4b.Validate the status of the account is set to 'Non - Productive' on the table for a prime loan of TST 3349.4c.Validate that the prime loan of TST 3349, points to the correct GL.4d. Make a payment of all the dues and verify on the table and in the host that the status has changed to 'Active' for the above. Also verify that the TST points to the accurate GL.12+4OP002Overall Reporting: All reports built for the Prime portfolio will need to be built for the Non-Prime portfolio

Lon To:1. TDAF letters created in Phase 1 will be utilized within Phase 2 as containing Prime and Non-Prime data, in addition no data differentiation required within the lettersa. Letters will be submitted in the format they are currently in2. TDAF Reports created in Phase 1 will be utilized within Phase 2 as containing Prime and Non-Prime data, in addition no data differentiation required within the reports excluding the MCOM report and Daily New Loans Reporta. Report formats will remain the same as CVS'3. MCOM Report, will need to obtain new functions and columns as per below:a. Able to sort by Agent[This will be done by TDAF as its CSV format(Excel)]b. Add a New column for within report to contain/display Tier Keysc. Change Report frequency to Monthly4. Daily New Loans report refer to FR001*TS to provide TSS with all letters/reports as currently built in Phase 1

Supply TSS with injected file that will allow them to validate the net payout amount from the reports(REF PR012)*TSS to validate all reports/letters to insure they contain Non-Prime date along with Prime data

Validate and insure MCOM report contain the Tier Key column

Daily New report refer to FR001

**NOTE***PR012, impacts this requirement where TSS need to validate that the Net Payout Amount is deducted from the Dealer ProcessedLOB to provide letters and reports1. Validate that the Non-Prime Loan of TST 3372, is present in the following reports/letters,in English:(-Dealer Fax report (Daily Loan Funding report)-Annual Letter in CSV format-Renewal Letter in CSV format-Amendment letter in CSV format-Daily New Loan report-MCOM Daily report-Manufacture reports(Chrysler, Kia, etc..)-PEI report (NEW)- Pre-Renewal letter (NEW)

2. Validate that the Non-Prime Loan of TST 3374, is present in the following reports/letters,in French:-Dealer Fax report (Daily Loan Funding report)-Annual Letter in CSV format-Renewal Letter in CSV format-Amendment letter in CSV format-Daily New Loan report-MCOM Daily report-Manufacture reports(Chrysler, Kia, etc..)-PEI report (NEW)- Pre-Renewal letter (NEW)

3. Validate that the Non-Prime Loan of TST 3375, is present in the following reports/letters,in English:-Dealer Fax report (Daily Loan Funding report)-Annual Letter in CSV format-Renewal Letter in CSV format-Amendment letter in CSV format-Daily New Loan report-MCOM Daily report-Manufacture reports(Chrysler, Kia, etc..)-PEI report (NEW)- Pre-Renewal letter (NEW)3 as of nowwe have estimated the test cases to be 96 taking into consideration all the reports/letters.

Scenarios_WP7FUNCTIONAL REQUIREMENTSTS - LOB RESPONSIBILITYTSS RESPONSIBILITYPre-conditionHIGH LEVEL SCENARIOSCommentsPR007Include new fee category for all Prime & Non-Prime loans to include an Administration Fee. The Administration Fee will be passed in Fiserv LON file. The administration fee will vary based on province and term.- The fee is built into the Amount to Finance and deducted from dealer's proceeds.- The fee is pro-rated for the length of the term for example: If the Loan includes a lender administration fee of $500, the term of Loan is 24 months, and customer repays the Principal Amount after 12 months, the refund will be $250. Provided the customer is not in default, we will pay any refund either by cheque (payable to customer and any co-buyer) or by direct deposit to the bank account used to make payments. If customer is in default, we will apply any such refund to what customer owe us. A report is required out of LON to provide all pay-outs to TDAF Cash management team

Admin Fee Calculation:Step 1:# of Days from Contract Date to Refund DateDivided by# of Days from Contract Date to Original Maturity DateStep 2:(1 Above Result) * Fee Amount rounded to 2 decimal places. Minimum Refund = $0*Provide TSS with Admin Fee calculation.*TS to provide knowledge base in regards of Admin Fee calculation via scenarios to TSS

.*TSS to perform manual calculation of Admin Fee as provided by TS and via PR007.*TSS to validate the new miscellaneous screen, by confirming Admin Fee is present and accurate for prime and non-prime TDAF lon's1a. Process and validate the Admin Fee by manually calculating for the TDAF Non-Prime Auto loans of 3372 TST in English.1b. Validate the new miscellaneous screen that the Admin Fee field is present and the above calculated value is populated for the TDAF Non-Prime Auto loan 3372 TST for in English.

1a. Process and validate the Admin Fee by manually calculating for the TDAF Non-Prime Auto loans of 3374 TST in French.1b. Validate the new miscellaneous screen that the Admin Fee field is present and the above calculated value is populated for the TDAF Prime Auto loans of 3374 TST for in French.

1a. Process and validate the Admin Fee by manually calculating for the TDAF Non-Prime Auto loans of 3375 TST in English.1b. Validate the new miscellaneous screen that the Admin Fee field is present and the above calculated value is populated for the TDAF Prime Auto loans of 3375 TST for in English.

1a. Process and validate the Admin Fee by manually calculating for the TDAF Prime Auto loans of 3349 TST in English.1b. Validate the new miscellaneous screen that the Admin Fee field is present and the above calculated value is populated for the TDAF Prime Auto loans of 3349 TST for in English.8CS005System must allow the agent to temporarily delay a regular payment for a number of days that does not exceed the next payment due date or 29 days whichever comes first.

New LON To(Assumption Approach):1. Provide the ability where TDAF could enter a new due date(CCS MCOM screen), in addition:a. The due date could not exceed 29 daysb. The due date could not pass the next existing due date2. In conjunction, LON will use the current process of a 2 day limitation for an OFI account, 1 day for a TD account, in the scenario of:a. If the customer wishes to change the due date and there is no buffer to perform that change reason on the due date is the next day, then Item 2 will be engaged.

b. If the customer wishes to change the due date and there is no buffer to perform that change reason on the due date is the next day, then Item 2 will be engaged.*Provide TSS access to the CSS MCOM screen*Provide TTS with LON's that have a buffer of more than 29 day to validate rules*Provide TTS with LON's that have a buffer of less or equal to 3 day to validate rules*TSS to perform a delay payment; however the system (LON) should not allow the following: - Not to exceed 29 days - Not to exceed