validations to the invoice. Miscellaneous transactions include balances (positive and/or negative) that have been carried over from a prior remittance period. Use the type and description of Misc Transaction to substantiate the report. Invoice Field to Verify How to Validate Misc Transactions Balance owed to Creditor - this is a positive amount owed to the creditor, will increase remittance amount to the Creditor. Balance owed to Agency - this is a negative amount, owed by the Creditor to the Agency. This reduces the amount owed to the creditor. Balance owed to Reserve - this is a negative amount, owed by the Creditor to the account Reserve. This reduces the amount owed to the creditor. You will need the Omega - Invoice Summary and Omega - Summary Transactions report for these validations to the invoice. Invoice Field to Verify How to Validate Reinstatements On the Invoice Summary report, calculate the number (quantity) of Reinstatements in

You would need to create a case through uPortal360 or call into uSupport to have the consumer’s name updated in our system. While their name can be changed in the system, it will not be changed on the contract. If client wants the named reflected on the contract, then the contract would have to be canceled, and re-written.

Client Support is available to all merchants regarding consumer accounts, technical issues, and questions regarding their finance program. Merchant Performance Phone: (888) 842-2461 Email: [email protected] Hours: Monday - Friday from 8:00 AM - 6:00 PM (CST) Voicemail-to-text alerts are sent to our Merchant Performance Support Team to increase timely responses. Expect a return call within 15 minutes Monday - Friday, unless you are calling after 6:00 PM (CST). *Holidays may affect availability.

Report Set Permission = Default (This report set can be assigned to any user) Account Summary Purpose and Usage - FAQs The Account Summary report will show ALL accounts where the status is Active, and the account is in SRV (servicing) status. The goal of the Account Summary report is to show you the most relevant data about the status of all your accounts. Please note that the data on this report is real-time and accurate at the time you run the report. FAQs Is this data Real Time or Live Data? Yes, the data on this report is pulled directly from our live system when it's run. Information will change daily like interest assessment or when Payments are made. My Customer made a payment today, But it's not reflected on this report, why? Payments made today will start in a "Processing" status. We settle all payments after 9

A Support Ticket will be created if a consumer cannot resolve an inquiry by using the portal, referencing FAQs, or speaking with an Agent . Consumers can create Support Tickets by calling UAS, sending UAS an Email, or using our online portal. UAS will assume all consumer requests are inquiries unless the consumer disputes in writing or disputes a resolution. Resolution is expected in 30 Calendar Days . Support Tickets are visible to Consumers, Merchants, and UAS. Any party can use the online portal to engage in the Support Ticket process, adding remarks, updating details, and uploading attachments as necessary. Changes to the Status of the Support Ticket and its outcome are shared with all parties. UAS will send notifications to the parties based on the method they requested or the method they started the original request with. UAS is committed to openness, accountability, and excellent communication with Merchants and Consumers

Merchant Control Panel Guide The following guide covers the Merchant Control Panel in uPortal360. This feature allows you as the merchant to manage the information on your customer's credit application and account details as the customer moves through the application process. Do I have access to the Merchant Control Panel? The Merchant Control Panel is only available to Finance Programs with the uPortal360 Consumer Application Experience enabled. If you have questions on the status of your program, or would like to enable this feature on your Finance Program, contact our Merchant Performance team at [email protected] or give us a call at (888) 842-2461. Consumer Application + Merchant Charge Entry If your business is leveraging the uPortal360 Consumer Application Experience , and the financed amounts were not entered when sending out the customer's application link, the Consumer Application will stop the consumer when they receive their approval

Yes! our uPortal360 allows consumer to manage all aspects of thier account including making payments and enrolling in AutoPay. Each consumer is provided with an Account Number and Access Code. This can be found in their agreement package, on every billing statement and in any electronic communication. Consumers will also be asked to validate their birthday or last 4 of thier SSN to gain access. If a consumer is having trouble logging in, they can the "Help Logging In" button.

You must have the Purchased Contracts Report Set permission. If you are not sure if you have this permission contact your user manager. Follow these steps: Click on the Reports tab Click on the Account Summary with PUR report. This report will provide details on all Active contracts. Any contracts with the code PUR have been purchased. You can sort the report by clicking on any one of the columns. • An email will be sent to the person within your company that has been designated to receive funding notices. Included in that email will be an invoice detailing all loans that were purchased on that day. • The View Assignment Invoices Permission will give you access to the Assignment Invoices tab. Through this tab you will be able to access all of your company's Assignment Invoices. Contact your administrator if you need access to this information.

If a consumer’s credit was ran as a part of their application, it will not be removed. If the consumer’s credit was pulled in error, the consumer can request to have this removed.

"maxAmountFinanced": 1371.0, "minAmountFinanced": 500.0, "minPaymentFactor": 9.93, "minPaymentFixed": 75.0, "term": 11, "totalOfPayments": 1147.87, "totalSalePrice": 1396.87 } ], "self": { "href": "https://test-api.uportal360.com/v1/contracts/Q515JWALOA01/charges/Q515JWALOA01-001", "method": "GET" }, "edit": { "href": "https://test-api.uportal360.com/v1/contracts/Q515JWALOA01/charges/Q515JWALOA01-001", "method": "PATCH" } } } Returns Only one return is permitted per charge per day. The maximum return amount allowed is limited to the original cash price. If a return has already been processed, the maximum returnable amount is the cash price minus the total of previous returns. If the return results in a refund, please allow 7–10 business days for processing. POST Create a return transaction on contract/chargeslip Request Accepts a ContractReturnRequest POST /v1/contracts/{contractId}/returns HTTP/1.1 Content-Type: application/json Authorization: your_access_token_here Host: test-api.uportal360.com { "chargeId": "ABCDEFGLOA01-001", "amount": 249.0, "reason

City Acct # 7 Character Random Account Number uniquely assigned by our system. Accounts can contain multiple Contracts, Subscriptions and POS Transactions ABC1234 Contract # Accounts can have multiple Contracts, the Contract number is build on the Account Number (ACCT#LOA##) ABC1234LOA01 Applicant Name of the Primary Applicant / Account Holder John Doe Client Ext ID Unique ID assigned by you and given to us during the origination process or via a data update. This is critical when linking data back to other systems like Accounting Software or Fulfillment/ERP systems Student Number, Patient Number, Client Number as some examples and length and type can vary widely by client. Code Defines if the Contract is in Servicing (SRV) or has been Purchased (PUR) SRV 1st PMT Date Date 1st Payment is Due. 2017-06-01 Delq Date Delinquent Date the Account went Delinquent (Past Due). Empty if the account is Current. 2017-09

10/11/17 Applicant Name of the primary applicant / account holder John Doe Contract # Accounts can have multiple contracts, the contract number is a build on the account number (ACCT#LOA##) ABC1234LOA01 Location Location where account was originated Kansas Citry Merchant Ext ID Unique ID assigned by you and given to us during the origination process or via a data update. This is critical when linking data back to other systems like Accounting Software or Fulfillment/ERP systems Student Number, Patient Number, Merchant Number as some examples and length and type can vary widely by merchant. Client Invoice Set of letters and numbers generated to uniquely identify the merchant invoice 521C-6E8X4-1017 Program Name of your program Open-End Contracts Invoicing - Transactions This report will show you transactions for an invoice period. The transactions are used to represent collections and returns/NSF and late fees collected. Field Definitions Column

A consumer's creditworthiness is based on their credit score as well as a series of other factors. These factors include but are not limited to : Open or active bankruptcies Credit Counseling Past Due Accounts Collections These factors contribute to the tier that the consumer falls into, and will determine if the consumer's account is serviced or purchased by UAS.

modifications. Use the email or text feature to send a link to the application to the consumer. After review, decide on the application. Either decline it or choose a credit tier. Click Submit . To Do Queue Resolve Credit Application Page Credit Report Tier Options Review Credit Application Skip Trace Overview: Skip tracing is the process of locating hard-to-find individuals or verifying contact information. This permission allows agents to retrieve the three most recent phone numbers for a contact in uPortal360. How to use this permission: Search for the customer by an account number Navigate to Agent actions → Skip Trace in the sidebar Click Run Skip Trace This calls out to a web service that retrieves the customer’s three most recent phone numbers. The agent will then attempt to contact the customer using each number and document the outcome of each call. If a call successfully connects with

A fee can be looked at similar to a penalty. While there are no fees attached to your contract, you can be fined for late payments or a returned payment. A charge on the other hand, is an amount that you acknowledge you are purchasing. At origination, the amount you finance is considered a charge. There are two types of fees/penalties that can occur over the span of your contract: Late Payment Fee and Returned Payment/NSF Fee. Late Payment Fee : If the consumer does not pay at least the minimum payment due for a billing cycle by its due date or any later date that may be established by applicable law, we will charge the following late payment fee to their account: If all or any portion of a payment is not paid within 15 days of its due date, the consumer will be charged a late

ns/35d7c30ef9d548fea349", "method": "GET" } } } SSN Mismatch { "data": { "id": "35d7c30ef9d548fea349", "accountNumber": "D4ACC4X", "status": "PENDING", "pendingReason": "SSN_MISMATCH", "edit": { "href": "http://localhost:8081/applications/35d7c30ef9d548fea349", "method": "PATCH" }, "self": { "href": "http://localhost:8081/applications/35d7c30ef9d548fea349", "method": "GET" } } } DOB Mismatch { "data": { "id": "35d7c30ef9d548fea349", "accountNumber": "D4ACC4X", "status": "PENDING", "pendingReason": "DOB_MISMATCH", "edit": { "href": "http://localhost:8081/applications/35d7c30ef9d548fea349", "method": "PATCH" }, "self": { "href": "http://localhost:8081/applications/35d7c30ef9d548fea349", "method": "GET" } } } Unresolved Data Mismatch { "data": { "id": "45d7c30ef9d848fge389", "accountNumber": "D4ACC4Y", "status": "PENDING", "pendingReason": "UNRESOLVED_DATA_MISMATCH", "edit": { "href": "http://localhost:8081/applications/45d7c30ef9d848fge389", "method": "PATCH" }, "self": { "href": "http://localhost:8081/applications/45d7c30ef9d848fge389", "method": "GET" } } }

Users Use these users when testing in uPortal360API or Apply Interface . Outcome First Name Last Name SSN Description Approved Approved Testcase 1001 The applicant has passed a credit check. The application has been locked and converted into a contract. Pending Pending Testcase 1002 The applicant has passed a credit check. However, the application must be go through the KYC questions. Declined Declined Testcase 1003 The applicant has failed a credit check. The application is locked. No Hit NoHit Testcase 1004 The applicant’s information was not found during the credit check. PATCH the application with updated information to try again. Credit Freeze CreditFreeze Testcase 1005 The applicant’s credit report is frozen. Dynamic Any First Name Testcase 1### Decisioning will be based on credit score of the last 3 digits of the SSN. Payment Methods Checking Routing Number Account Number Remarks 122105278 100000000 Good 122105278 0000000006 Bad Card Exp

365/365 Payment Calculator UAS utilizes the 365/365 payment calculator, also called the Actual/365 , to create loan amortization schedules Click the link to go to our Payment Calculator Calculating Daily Interest Accrual The 365/365 payment calculator calculates interest by multiplying the beginning balance, interest rate, and days in the month and dividing the total by 365. Example $100,000 Loan Amount 4% Interest Rate 31 Days in the Month (May) (100,000 x .004 x 31) / 365 = $339.73 interest paid in May UGA Finance Payment Calculator UGA Finance has its own Payment Calculator , which can calculate your Monthly Payment, Principal Paid, Interest Paid, and Total Payment. The payment calculator can also be used to understand how long it will take to pay off the account. Use the Payoff tab to calculate remaining payments. Explanation The 365/365 amortization table is utilized instead of the other

Users Use these users when testing in   uPortal360 . Name Birthday Address SSN Credit Score Marisol L Testcase 1980-05-27 220 Locust Ave. Anthill, MO 65488 000-00-0001 ~825 David C Testcase 1972-01-30 504 N Grandview St. #2 Anthill, MO 65488 000-00-0002 ~760 Janet X Testcase 1947-01-22 19 Forest Dr. Anthill, MO 65488 000-00-0003 ~710 Joseph M Testcase 1978-08-18 13743 Bluewater Circle Anthill, MO 65488 000-00-0004 ~680 Maria A Testcase 1969-07-10 5524 Eastbource Dr. Anthill, MO 65488 000-00-0005 ~550 Carlos E Testcase 1958-11-15 9614 Oriole Lane Anthill, MO 65488 000-00-0006 ~627 Nicole S Testcase 1954-01-09 8315 Bunker Hill Rd. Anthill, MO 65488 000-00-0007 ~528 Sarah D Testcase 1977-11-14 171 Glenwood Dr. Anthill, MO 65488 000-00-0008 Luis T Testcase 1950-05

Support cases are our mechanism for tracking merchant requests from request to resolution.  The ability to submit a case is controlled by role-level permissions. Speak to your company's User Manager (uPortal360 Admin) if you need access to this feature. How to Submit Support Cases Login to uPortal360 Search for the customer in the 'Search Field' Locate Customer, and click on the contract link In the navigation bar (left side or Menu Icon), click Merchant Actions , then Submit Case Choose a Reason Enter Subject Enter Description Click 'Submit Case' How to Respond to Cases Users can see case status and add comments on the View Cases page. Below are the instructions on how to locate cases and add comments: Login to uPortal360 Search for the customer and open their contract In the navigation menu, click Cases This will direct you to the View Cases page. Under Actions in