Home

Title Loan Professional PLUS Help

1. 120 How do remote access to other Stores 120 If backup is being performed to disk eeeeeeeeeeeeeeeeeeeeeeee eene nnne eee nnn 121 Is there a way to enter manual checks the check register 121 Since our main office has a server ssssssssssssssssseeeeeee nennen nnn nnn nnn 122 What is the EFT file path 122 What is the payment formula anana wanan anana nenas nennen nennt nnn n annu nas nennen 122 When I send a check through the ACH wanan nana nennen nnn nnne nnne 122 We have begun to switch the customers from our old software to 123 Copyright 2006 2009 Aloha Omega Consulting Group Inc Contents VII Part X File Maintenance 125 1 Cash Advance Contract List si iii 125 2 Cash cs evevececececeucccccececevacccacecacccacecacacacecacacacecacacacecavacacscacacacacavacacecavacacscavacacavucucacacacucee 126 3 Financial institutions rrr RR RR ER RR YR ERERERYRERERERERERERKRIRERERKEIEEEEE 127 4 Referral 127 LEM Tori 127 6 Miscellaneous Transactions Setup
2. VR ANE ANGGANA GN 59 Mississippi Company Setup M 59 Missouri Company Setup X 60 Nevada Company MC 61 Oregon Company Setup 62 South Carolina Company Setup 63 LL ICCELenDunEDMI2u 64 Virginia Company Setup 71 Day to Day Operations 74 Opening the Store for a new day 74 Adding new client customer in 75 Modifying an existing client cCustomer eeeeeeeeeeeeeeeeeeeeee eene eene nnne nnn 75 Removing an existing client customer Be Careful eere 76 Making or Lie rawana nara anaa aaa dena una Tenang eaaa a aana Tau 77 Making acash adVvahG sana nia asas aaa ag anaa aaa rine ajag aana aaa aa ag ada aa aa aaa aaa aaa aaa ad ag an ag aa agan aaa aa agan 82 Finding an existing loan all types wanan anana wanan anana nennen 88 Removing an existing loan lt cesssssananeewenana anane wanan anane wanan anane wang nana ewang Nana nasa nnns nana nnn 90 TAKING ERE 91 Closing the store at the end of the day 91 Backing up the store data
3. 1 iiie ieiiiseneiiee ir ieilisenciro nnmnnn nenna 94 Accounts and Loans 97 PC COMMIS csc crete ETT RE 98 99 Payments and Other Transactions 100 Aging RE DOME asana aa aaa ua aa aaa aa a a aa De aaa daga Dee Cc eL Doce Dee Dee Eee aaa aa aana aa aana aa 101 Copyright 2006 2009 Alpha Omega Consulting Group Inc VI Title Loan Professional PLUS Help o co Oo Oi 10 11 Part VII 1 2 Part VIII 1 2 3 Part IX o FWD o od o AN OO RAON Title Loan Payoff Daily Interest Method 102 Title Loan Re neWals nennen ANANA NAHAN ANANA ANANA ANANA NANA HNA ANANA ANANA NANA NANANAHNANAHANAN 102 Installment Loan Increase eeeeee 102 Printing the Teletrack Inquiry Results 103 Client Account Status eee eterno anna AA NAN NANA ANAA ANARA NA ANAA RR AR ER RR RR NR RR RR RENE KR aana aana aa Akan 103 Loan Account Status llle elle eee eeeeeeeeeeee eee tnnt nnt 104 gecu cq 105 Current Loans 108 Title Loan Renewals Alabama method 108 nct aie iii 109
4. SETTE Setup four Company Name Here our Address Here our Address Here our State Here our Zip Here our Phone Number Here our Fax Number Here our TeleTrack ID Here our TeleTrack Pass Code Her our Dealer Number Here our License Code Here our Primary Contact Information Here Nour Hours Here Ex Monday Friday 7pm Saturday Jam 3pm The next section is the All Loans tab Most operators leave the default prefix for loan type and have the program automatically assign loan numbers with no max open loans The most commonly used Returned Check Fee in Tennessee stores is 30 00 but this is at the discretion of your company Most stores do not use Loan Suffixes so leave the box unchecked The default number of days to be used when calculating Daily Interest and APR for Cash Advances is 365 which is always used The Default Cash Drawer Balance can be whatever is custom for the company for example 100 00 The other option on the cash drawer is to use the previous days balance In this case put a Zero in the box or leave blank Select a Label Printer even if you are not printing labels Copyright 2006 2009 Alpha Omega Consulting Group Inc 66 Title Loan Professional PLUS Help Company Setup 3 lol x Version 10182005 General Information All Loans Title Loans Cash Advances Other Loans Reports Forms Statements Returned C
5. Once you have clicked the button Title Loan Professional Plus will perform a Daily R Update of all loan information You will see the Daily Update Updating Loan Information window shown at right Do not click cancel Let the Daily Update run until it finishes updating all loan information Updating Balances MS103 Overall Progress a Title Loan Professional Plus will display the Daily Update Progress Window while updating the loan information Once the Daily Update Progress Window clears closes you will see a blank screen as shown in the graphic below Ele Edit Reports Forms Letters Custom File Maintenance Securty Tools Window Help D amp 3 7 X Bs f S 5 S 8 i o8 2 9 Copyright 38 Title Loan Professional PLUS Help 4 2 General Information Tab This is were you enter general information about the company The fields shown on the General Information tab which is the first screen that opens will populate most of the report and or contract headings Company Setup Ee ees Custom Templates EI Version 08242008 Save As Revert Import Export General Information All Loans Title Loans Cash Advances Other Loans Reports Forms Statements Admin Contracts Company Name mum Altemate Company Name Store Name Division Store Number Home Office Address1 Address2 City State Zip County
6. anana nana wann nana ew n nnne nnne 128 7 Title Loan Contract List 129 Part XI Forms Letters Contracts Receipts 132 1 ACH Authorization nnn nnn nnn nnn nnn nnn nnn nnn nnn nnns 132 2 Affidavit to Defense of Creditor 133 REP winnugoniirro 135 4 EFT A uthorizatiOri FOLIm eene anan ahan anan ARAARA ARAA AAAA AREA RaR ERER ERAR ERER ERSA ARAARA 136 5 First Notice of Default rennen nennen nnnc nein 137 Meat 139 7 Liens NANA ANANA NAN 140 8 Notice of Intent to Debtor 142 9 Notice of Right to Recover Vehicle wanan anane wanan anana ewangana nnn nnnnnnn 143 10 Notice to Cure Default 1 2 amp 3 145 11 Notice of Public Sale eee eee eee ee eee eee ee aaa eae aaa eeeeeee eee 148 12 Notice to Title Loan Borrower aasaaaaaaann nana nana nana nana 150 13 Oregon Loan Agreement 151 14 Repossession Letter aananaeewenana nane waana nana wana nana ewunan nnnnn nnn annuis sn nnnt nnns sans sss n nnne 153 1
7. te D res Lie atmy D pe mare itaddress kawe 10 neoaea ettermyse f andor my spowte D relocate or pem ave ifr It Lardormy Spouse mally egres ed or schedi ed br the Miltary bwh bh andormy spotse are empbyed b Dephy or aue my ice ib Miot Witsry dey sporse wil mmedBte prude Doctme itat D Apia Omega Cost thg Grotp hc show hg ot my ardor my spote s itRetireme ste ale ofAbse Pase attack a copy ofan Deployne itRetireme Le aue oTAbse ice paperwork Applika tardor Spouse s P kase seid al ProofofDeplome iti Ate tbi Qe ApiaOmega Coase tthg Grotp lic 716 Vauxhall Dr Mashule TN 37221 Piore 615662 9537 Fax 615 652 5353 DATE E 167 Copyright 2006 2009 Aloha Omega Consulting Group Inc Miscellaneous 169 12 Miscellaneous Miscellaneous Topics regarding Title Loan Professional PLUS Alpha Omega Consulting Group Inc Tel 615 662 9537 iii Ber 613 791 9974 Email sales aocg com 12 4 Checks To order checks with enhanced security features that work out of the box with our software please contact Mike Burch on our toll free number at 866 802 5742 or you can e mail Mike Burch at mikerburch gmail com for ordering information If you have Quick books compatible checks they may well work with
8. Deran Een Payment Diy Accu Meho O N M Monty Payment Company Setup Acowal Monti Farmeri Actuai APA Payment Calculation WekbFsment DabAccudMehod Monty Payment EFCEM DON SemiMorthy Pager AmorizedinterestAcoual EFCEw DOM Semi Weekly Fayment Amorized interest Monthy Parment Amerizedineresthecus T ug lt X I I i I i i i i i i i lt i lt Close These are different type of loans and you should call AOCG to make sure you have the appropriate one checked The most common one is Default Notice in the example above there is a checkmark in the column Default for the Company Setup Default description This is the default payment method You will uncheck the checkbox for any loan types that you do not want to be Active Any that are checked are selectable from the Loans Tab in the Clients window File Maintenance Financial Instituations Click on Menu item File Maintenance then Financial Institutions Bank File Maintenance 5 89 Address City State Zip Phone Routing Number TL E Record 14 1 of 1 The is where you build a list of Financial Institutions You can add the names as you add new customers but you must g
9. aane niin niin nnn nana eene nnn nnns nhanh nnn nnn nnns 44 Copyright 2006 2009 Aloha Omega Consulting Group Inc Contents V 10 11 12 13 14 15 16 17 18 19 20 21 Part V o FWD e 11 Part VI A OD Cash Advances Tab 47 Other IB oy Ra Na agan a a a a a a A a BS a ESBS ara a Pa Aa 49 Heports Forms TaD susi a A seeks cael AG E oh 50 Statements Ae See ete 51 Admin Tab ce re RELIER 53 Contracts 53 Security Employees 53 GRE ET di C un 54 File Maintenance Title Loan Contract List nnn 55 File Maintenance Type Loan Payments nennen nnne nnne 55 File Maintenance Financial Instituations nennen nnn 56 Help File nanena 56 Most Common APR Calculations and Percentages nunene 57 Setting up a Title Loan Payment Method 58 State Specific Company Setup 59 California Company Setup
10. DLExpiation Previous Address Sex lt lt Previous Faj Neat gt gt an 2 zs The young prince Height 3 fea 0 Inches a New Account Print Label Tun Down Notice Client Lookup Note If your mouse contains a roller wheel you can simply roll the wheel to select the different loans of the client customer Now click on the Find a Loan button the binoculars When you click the button the following window appears Copyright 2006 2009 Alpha Omega Consulting Group Inc 90 Title Loan Professional PLUS Help 5 8 n7 Title Loan Plus Loan Looku Client Name Donnymyer Samantha Loan Number Current Balance Status LL02 Date Holds Now you double click on the loan you are searching for and the loans tab will be populated with information about the selected loan Note If you get to this point and realize that you have selected an incorrect client customer you can go back to the Personal Tab then use the Client Name drop down by clicking the arrow to the right of it and select a different client customer Removing an existing loan To remove an existing loan you go to the Loans Tab click on the find a loan button the binoculars then select a client customer and the desired loan which will populate the loans tab with the loan information Copyright 2006 2009 Alpha Omega Consulting Group Inc Day to Da
11. Tel 615 662 9537 Fax 615 75i 9975 Email sales aocg com CS Omega Consulting Group Inc Title Loan Professional Plus PDF Help Manual Copyright 2006 2009 Alpha Omega Consulting Group Inc Title Loan Professional Plus Title Loans Payday Loans Cash Advance Loans and more by Fred Born and Ron Johnson Our Title Loan Professional program has a number of advantages over other programs First our software is completely customizable so if you do things differently from other companies or if you re in a highly regulated state you don t have to worry about your new program becoming a dead end That s the primary complaint we ve heard from customers who have switched to our program from other programs Some of these companies have paid up to 30 000 for software only to find the software vendors wouldn t support the software wouldn t or couldn t change the software or simply vanished Our track record of 20 plus years as software developers speaks for itself and we are actively changing our Title Loan Professional software for new customers on a daily basis A second major advantage is that our software is not based on proprietary software which means your data is locked into a single program and a single vendor Our software is based on the most popular database on the planet Microsoft Access If you have or buy a copy of Microsoft Access you can create your own reports do your own ad hoc queries such
12. gt User Accounts Pick a task Change an account Create new account Change the way users log on or off or pick an account to change Fred Guest Computer Guest account is off ir administrator Password protected Windows XP Copyright 2006 2009 Alpha Omega Consulting Group Inc 26 Title Loan Professional PLUS Help 3 12 GOU User Accounts gt Manage Accounts 4 Search p File Edit View Tools Help Choose the account you would like to change Ron Administrator Administrator Administrator Password protected Password protected Guest Guest account is off E E Create a new account What is a user account Additional things you can do 9 Setup Parental Controls Go to the main User Accounts page Windows Vista Create Title Loan Shortcut The installation program creates required shortcuts If you are not logged in as administrator you cannot follow the remaining steps After logging in as administrator and TLP is installed make a shortcut on the desktop for TLP There are two ways to do this the Explorer method simpler and the My Computer method more involved Explorer Method Go to Start right click on Title Loan Professional PLUS then select Send To from the menu this makes a TLP shortcut on the desktop Once you have created the TLP shortcut start Windows Explorer by right clicking on the Start button and selecting
13. not discrimisata tamed an any of theme Cactarz 2 ackiatian Aipha Consaltang Inc vill nat enter inta mantain vmdar rmcigroral anfamstaan zmcviue typ rmlationzmipr vith anyare wha camz rot cantam ta theme arti dazcranmatary egnlatizn 1 an feciecal Lvs rwquicer the 511 rhirlorurm of 411 cortz and terns axsacuster vith any catat ar teanmctian ruch thir cazh aramcm avd Corthee ceguicex that the cartr Arssciatad vith the teammactian im mpreramd AI an AJUTmAl percentage cate of AUR EXTENSION OF PAYHENT REQUIREHENTS pha Cms Cunroitism Grows int wall alloy you ta mta thm oragmal cah askance ureter the Callovang tam You the lrtmrmrt maced prior ta an additional ectanmon mang panta Thre I3 mtaro ace allowed By Drwoan lav Altar that an mout wqual to tw wctenrian Cem vill amtcnutically daates paid Dy you amplum toward the 1 util the acvance ir quad an Cell Ata Wich you mort vast ara Cell day imform applying mms ahanom srueozieo of goyaune repvezez awat be zubanetan ama tn receives BUILDNII Boy prier your origano ava to Se pros Electronic Funds Transfer EFT Agreement and Disclosure Tmz awtharisitian ax Cor thom ngm or moltple mantran ta complete tw aragia ntrama Amthariiatian amount and may im cerbnatted af the original entry ir rwtorzmd iy tw coxtame x Cmancaa
14. 1 13 2006 Ron L Johnson 507 Testing St Nashville TN 37013 Account Number TL1 Criginal Loan Amount 2 000 00 Date of Criginal Loan 9252003 NOTICE OF CURE DEFAULT You are vow Eon the creditine You baue a right comectt ls deut anti Thi eday Febrian 02 2105 Nyor doso yox may conth te thE contacts though yor did notdetar E Your dett Eois of 1952 Correction of default On or before Thuridsy Februar 02 2006 do rotcorectyotr derat Eby the date sta daboue we may exe right agahstyou nde rte tw Ityor detat tagah wtih the we may exe robe our rights withortse id moter tothe ke this one Mo kawe questions co cenligtiis mate orcall at Abba Omega Consttthg G pip nc Apia Omega G NG 716 VatxiallDr Nashulle TN 37221 615 652 9531 Helm b colecia det Ary rimata ch karad vill te usi pupos Sincerely Manager The Notice to Cure Default 3 is as shown below Copyright 2006 2009 Alpha Omega Consulting Group Inc 148 Title Loan Professional PLUS Help V Title Loan Professional PLUS Late Letter 1 Eile Edit Reports FormsiLetters File Maintenance Security Tools Window Help x a onmi Aipha Omega Coniulting Group ne 7146 vaurhall Or Nani TN 37221 615 662 5557 This is an attempt to collect a debt any information will be used for that purpose Ron Johnson 507 Testing St Nashv
15. Alpha Omega Consulting Group Inc Tel 615 662 9537 M Fax 613 662 8383 Email sales aocg com This program will lead you through the installation and configuration of your copy of Title Loan Professional Plus Hit the next button below to continue Installation program written by Ryan Bennett Version Quit Click on the Next button to begin to continue The next screen is where you select the type of network installation for this example you will choose This machine will be the host installation for a server installation If this is a client installation follow the previous instructions to this point and then choose This machine will be a client machine of a host option Click on the Next gt gt to continue Copyright 2006 2009 Alpha Omega Consulting Group Inc Installing the Title Loan Professional Plus Software 29 The installation wizard needs to know the configuration of the application s machine Please answer these questions below If you are in doubt about any of these settings please call Alpha Omega Consulting Group at 866 802 5742 Role Setup Help This machine will be the host This machine will be a client machine of a host Standalone Next gt gt or choose the client installation for workstations AE Installation Wizard Step 1 The installation wizard needs to know the configuration of the application s ma
16. TN 37221 Phone 615 662 9537 615 662553 This is an attempt to collect debt any inform ation will be used for that purpose Rot L Jon so SOT Testhg St NasWill TN 37013 RE Ford 15 1FTDXIITUI 2VK85 3465 DATE 1 13 2005 Dear Ror L Jobason RE TLI Becarse ou baue m sed a paymeitorotewke defatted oi yorr kar we the kid roak kawe repossessed the colateral a 1997 Ford FISO 1FTOXOTW2v KBS3465 which we sold b you witi repurchase Be Comme rlal Code we Intend tose Il ths colak ral br cash you redeem tby off the bataice die pls repossession cost Here ba ortie montdte YOUR CURRENT Ld NI ALANG ENG SET 1520 PLUS LATE FEES SU ID PLUS 30 DU REPOSSESSION FEE Tie cotteralwillbe soMata piat sak more tar AD days from the dat of hk bt You redeem fie collate ralatany tme pror the sab The sak ofthe colisteralbrigs Ess money than the amonitdre Badertieakrpns possessi aid sabs expenses yor willbe Dk for the defickeiroy All pledged pe sonal p ri be ba ghg b you may be pbked atotroffie wtih QD ofthe dak HE eter rtatdate your pope my wilbe disposed we will io kagerbe espoirs Dk Alpha Omega Cons Wg Group lic 11 21 Settlement Offer You may print a Settlement Offer Simple click on the radio button of either Printer or Screen then using the Loan Numb
17. Tel 615 662 953 Fax 615 751 99 7s Email sales aocg com Opening the Store for a new day Store Opening Procedure The store opening procedure is very simple as long as the previous day was closed properly with the correct cash drawer closing balance 1 Make sure that the computer hosting the store database is brought up first Don t try to use TLP on a workstation if the computer hosting the database the database server is not running first 2 Check the calendar on your computer and make sure that the system date and time are correct If the time is off by more than a minute please correct it as time differences between two different computers using TLP at the same time may cause transactions to appear out of order 3 When the date and time are correct start TLP by clicking on a desktop shortcut or by going to Start then to Programs then to Title Loan Professional PLUS From the Title Loan Professional PLUS program group select the Title Loan Professional PLUS program For information on the other program group options see Program Group Notes below For information on unusual startup messages see Startup Messages below 4 When the program prompts you to login enter your user name and password The user name and password are case sensitive Be sure to select the proper cash drawer If your company has only one cash drawer select Cash Drawer 1 If your company has more than one cash drawer please be sure to select the ap
18. b Once the reports above have been printed and balanced Use the Post button to post and lock in the Daily Summary figures 6 Go back to the Cash Drawer and make any adjustments for monies removed from the Cash Drawer or deposited to the Cash Drawer in preparation for the next day For instance if your company tallies checks and money orders in the cash drawer and at the end of the day these checks and money orders are deposited to the bank you could submit a cash drawer adjustment as follows In this example the checks and money orders add up to 2 750 00 And there is an additional transaction to move 1 250 in excess cash from the cash drawer to an in store vault Adjustments that decrease the cash drawer balance are entered as negative amounts and adjustments that increase the cash drawer balance are entered as positive amounts Amount 2 750 00Description Copyright 2006 2009 Aloha Omega Consulting Group Inc Day to Day Operations 93 Deposit checks and money orders to Bank One Amount 1 250 00Description Transfer excess cash to Vault After all such adjustments have been entered and submitted be sure to check the cash drawer adjusted balance to make sure the transactions were entered correctly Entering an adjustment with the wrong sign positive for negative or vice versa is easy to do so you should always re check the drawer before closing the drawer When and only when the cash drawer adjusted
19. Borrower Borrower 11 13 Oregon Loan Agreement You may print an Oregon Loan Agreement Simple click on the radio button of either Printer or Screen then click the OK button If you have selected Screen you may also send the document to the printer from this window Copyright 2006 2009 Aloha Omega Consulting Group Inc 152 Title Loan Professional PLUS Help amp Oregon Loan Agreement Print Report To C Printer A CCo TANE isceen The Oregon Loan Agreement is as shown below Title Loan Professional PLUS Master Agreement 1B File Edit Reports Forms Letters File Maintenance Security Tools Window Help Alpha Consulting Group Inc 716 Vauxhall Dr Nashville TN 27221 515 662 9527 MASTER AGREEMENT Th of the Orea Conruitang Grow inc Carh Anvancm Ngemut ir ta naka yom omi Polly avace ard miam cf all tam and bandataang ot Gut policimi Az Vell az All Dwderal amd Stata cwunlatianz ar ceyuice by lav We valum tm opportunity ta mewa yane mmz and vast yaa ta Dm completely matinie ard 1 m Ali tranzactamr vith Asha Dres Conzultisg Germ Jne Federal Disclosure Requirements egelatian Ban lav prohibits the conrz wcatian of Age Zac Race Dtuucity Geet Rational Degan Memiicap bariz Cor mbang anyam laan jar in cur raxh atvance Propran Sipha Dnm Inc
20. Phone Fax TeleTrack ID TeleTrack Pass ComanyLoo Browse Dealer Number License Code DMV Web Address Primary Contact Business Hours Monday Friday Sam Saturday 3pm Company Signature Wines Not Required First you enter the Company Name Unless your store is part of a larger chain of stores you do not need to enter information for Alternate Company Name Store Name Division Store Number or Home Office Now you enter your address Address 1 and if you need two lines of space to enter your full address you enter part 2 of your address in Address 2 Now enter your City State Zip Zipcode County Phone and Fax number If you use Teletrack and have a Teletrack ID and Teletrack Pass Code you should enter that information in the appropriate text boxes on this screen Teletrack would provide you with this information if you have a Teletrack account The Dealer Number and License Code DMV are not used in most states They are needed if you have a special number that needs to appear on your contract or DMV form If these are required you should have received them from the appropriate government agencies The Web Address is where you would enter your web site address if you have a web site Note If you desire the web address to appear on certain letters contracts etc you will need to notify Alpha Omega Consulting Group Inc and let us know where you want this
21. SSN CBE TT Ie Addes2 WakPhone Cy Wekasan 5000 County Length Of Employment sue Co Applicant Tab Contains information regarding a Co Applicant if there is one Copyright 2006 2009 Alpha Omega Consulting Group Inc 80 Title Loan Professional PLUS Help Contacis Tab Contains information on the customers contacts Persons you may need to contact to locate the customer such a friend mother father girlfriend etc Once you have entered all of the required information as requested by your company management you proceed to the Loans Tab Loans Deis Tile Loan Fee 20 00 You click on the New Loan button located a the lower left hand corner of the window All information is cleared and you now select the type of loan desired In this case Title Loan Copyright 2006 2009 Aloha Omega Consulting Group Inc Day to Day Operations 81 Once you have selected Title Loan the loan Number automatically appears to the right of the Type of Loan designated by Number In this case TL102 The cursor automatically highlights the Loan Amount You must now enter the amount of the Loan In the graphic below we show a loan in the amount of 500 00 The program automatically populates the Fee Interest for the loan based upon settings in your Company Setup It also populates the L
22. with renewal no please call AOCG jani pareka Ej Alternate Cash Advance Loan Renewal Minimum Finance Charge Parameters If you want to discuss this please call AOCG This is normally only used in Missouri Copyright O 2006 2009 Alpha Omega Consulting Group Inc 50 Title Loan Professional PLUS Help 4 9 Reports Forms Tab Default Loan Type Select the loan type that you use Report Defeults most Criteria Screen Defaults Default Loan Type a Default Print Method Default Print Method Default is Screen If you send the printout to the Screen you can still print the report by US Om holding CTRL and hitting p Insist Posting Data Entry Defaults Daily Summary YTD Totals The two fields listed Paid Personal Tab Display Our Calculation and Insist Posting are normally not changed Call AOCG if you have any questions Cash Advance Contract Copies Title Loan Contract Copies Check Cashing Contract Copies Data Entry Defaults The Personal Tab Display field Cash Advance Receipt Copies should be set to Detailed Title Loan Receipt Copies The fields Cash Advance Contract Copies Title Loan Contract Copies Check Cashing Contract Copies Cash Advance Receipt Copies and Title Loan Receipt Copies tells the program how many copies to print This can be changed in the Print Dialog window that appears each time you print a document Screen All Customer Paid Accou
23. 118 119 inactive 120 Inc 10 Incorporated 10 Information 38 Initial 42 44 Copyright 2006 2009 Alpha Omega Consulting Group Inc 198 Title Loan Professional PLUS Help Initial statement due date 51 Inquiry 103 Install 58 120 128 Install complete 21 Install status 20 Installation 16 58 128 Installation step 1 17 Installation step 2 18 Installation step 3 18 Installation step 4 19 Installment loan increase 102 intent 142 Inventory 127 lowa 51 K Kansas 51 key 165 m late 42 44 139 late fee 42 44 late letters 139 letter 140 153 160 162 Letters 132 139 License Code 38 liens 140 lists 173 Loan 44 119 120 151 Loan account status 104 Loanconversion 105 Loanlookup 184 Loan Renewal 49 Loan status 104 Loantransactions 100 Loan Type 50 Loans 99 172 LockLoan 40 Lock Loan Status 40 Lock Payment Date 40 log 118 Login 36 Login screen 22 36 Logo 38 main office 118 maintenance 42 44 Manager 38 manual 121 Max 44 Max Terms 42 44 Maximum Installments 49 Maximum Loan Amount 44 Maximum Loan Length 47 method 119 methods 58 military 166 Minimum 49 Minimum Loan Amount 44 Minimum Payments 51 Misc 40 Miscellaneous 40 169 Miscellaneous Transaction 128 Miscellaneous Transaction Setup 128 Miscellaneous Transactions 128 Mississippi company setup 59 Missouri company setup 60 Motor Vehicle Equity Line of Credit 71 multiple 172 multiple l
24. 25 00 per 100 on a 14 day loan 651 7996 20 00 per 100 on a 14 day loan 521 4396 19 60 per 100 on a 14 day loan 511 0096 18 00 per 100 on a 14 day loan 469 29 15 00 per 100 on a 14 day loan 391 0796 14 00 per 100 on a 14 day loan 365 00 1 00 per day 10 00 per 100 on a 14 day loan 260 7196 To calculate the APR based on a 365 day use this formula APR desired fee on a 100 loan multiply by 365 divide by 14 To calculate the APR for loans other than 14 days or for years other than 365 days use this APR desired fee on a 100 loan multiply by days in year divide by loan days Common APR for non 14 day loans 365 0096 2 30 00 per 100 on a 30 day loan 304 17 25 00 per 100 on a 30 day loan 243 3396 20 00 per 100 on a 30 day loan 182 5096 15 00 per 100 on a 30 day loan 121 6796 10 00 per 100 on a 30 day loan Copyright 2006 2009 Alpha Omega Consulting Group Inc 58 Title Loan Professional PLUS Help 4 20 Setting up a Title Loan Payment Method If you are doing title loans it is important that you specify the default most common payment method by checking the default check box of the appropriate title loan payment method All payment methods that can be used should be checked as active All payment methods that are not used should have both the default and active boxes unchecked If you have a default number of terms the scheduled number of payments y
25. Company setup 36 58 59 128 Company Signature 38 Company State 38 Company Zip 38 Copyright 2006 2009 Aloha Omega Consulting Group Inc Index 197 Consulting 10 contact 14 Controls for editing 111 convert 123 Converting loans 105 Copy 111 Create statements for title loans 51 Create title loan shortcut 26 creditor 133 cure 145 current loans 108 customers 123 customizable 10 Cut 111 daily 118 171 Daily Interest 102 daily receiptlog 118 Daily Summary 50 Data backup procedure 180 Data Entry Defaults 50 Database upgrade 195 Dealer 38 debtor 142 143 Default 50 137 145 Default Check Cashing Fee 49 defense 133 delete 119 delete a client 118 delete aloan 119 Delinquent 101 deny 119 deposit transaction 122 disclosure 166 Display balance 193 do 118 119 Do use 51 due date 118 a Edit a Transaction 111 Editing and troubleshooting 111 eft 122 electronic 120 electronic signature 120 email 171 E mail reports 182 Employees 53 enter checks 121 enter manual checks 121 Error handling 112 Errors 112 F fact 135 FAQ 118 Features 10 fee 42 44 Fees 42 44 file 11 42 44 122 file maintenance 42 44 125 128 Finance 49 Financed 42 44 Financial institutions 127 first 137 flag 119 Forms 50 132 formula 122 Frequently Asked Questions 118 G General 38 General Information Tab 38 generated 53 Group 10 H help 11 how 118 119
26. Current Loans This area will contain information regarding Current Loans Alpha Omega Consulting Group Inc Tel 615 662 9537 Fax 615 751 9975 Email sales aocg com Title Loan Renewals Alabama method In most states it is not required that a new contract be printed to renew a title loan for an additional 30 day period However in some states a new contract is required and some title loan companies may elect to print a new contract voluntarily If your company makes the decision to settle up with a customer and print a new contract for the next 30 day period there is an important consideration in many states fees and interest cannot be converted into principal so all fees interest and late days interest must be paid before the loan can be renewed The process of settling up for the current period and renewing a loan is what we call the Alabama method because this is what many though not all our Alabama customers do Before we discuss the specifics of this method it s important to understand that to use this method the Recurring check box for Interest on the Title Loans tab of Company Setup must NOT be checked With the Alabama method the computer does not decide when to add recurring interest renew a loan change the due date or make a past due client current The operator controls all these functions The following method will not work if the Recurring check box for Interest on the Title Loans setup tab is checked B
27. Exit The Clients window will appear Client file Current user is admin Name Brazie CurentBalance 1 220 00 Home Phone CellPhone CSC Atv Accounts Client Since 06 28 2007 AccountNumber 100 Account Status o Personal Employment Income Vehicle Co Applicant Contacts Loans Notes Merchants SalesPersons Photo Management Picture 1 7 1 Calvin Status Quick Search Location How did you about us First Name Last Name mem i Middle Initial DaeOfBih Agel 7 Home Phone 1 Cellular Phone l Other Phone SSN JENE ENEH DL Number State El DL Expiration c Sex Race Em lt lt Previous Full Next gt gt The young prince Eye Color Height Feet 0 Inches 0 Current Address Address Address2 I City Se i Cony see zip re How Long Yrs 90 Previous Address Address E Address2 0 0 0 j G 9 Zip 1 New Account Print Label Down Notice Client Lookup Data Verification Sheet Copyright O 2006 2009 Alpha Omega Consulting Group Inc 98 Title Loan Professional PLUS Help 6 1 Accounts To eniera new clieni account Click the New Account button in the bottom left corner of the screen The cursor will then go to the account number field If you leave it blank the system will late
28. Renewal Fee Fees z 1 x Discount Discounts 21 x B Repo Fee Fees 1 E m Storage Fee Fees I pan Loan Increase increase z 1 m pausen 1 4 Title Lien Fee Fees 211 x Principal Adjustment Principal 1 E x Documentation Fee Fees z 1 x x x EIE Ex i r Add Transaction Type gt Category Normally the category should not be changed on existing transactions Please call AOCG before changing a transaction s category One exception to this rule is if your company is going to apply daily interest and want to charge daily interest on a fee such as a title lien fee or insurance You must configure such fees so that the system knows whether to apply daily interest to them To apply daily interest to the title lien fee find the title lien fee transaction and change the category to Principal To not charge daily interest to the title lien fee change the category to Fee Please note that the setup of such fees must be in agreement with the setup of the Title Loan Parameters tab of Company Setup please note this in that section also Factor Normally the factor should not be changed on existing transactions Please call AOCG before changing a transaction s category A positive number normally 1 means that the loan balance is increased as with a fee a negative number normally be 1 means that the loan balance is decreased as with a payment Pl
29. Required Fields Upgrade Database Y 17 3 Cash Advance Daily Deposit Cash Advance Daily Deposit Located in the Tools Menu This form allows the user quick access to clients who are now due You can quickly deposit your Cash Advance checks without having to pull up the clients account Copyright 2006 2009 Aloha Omega Consulting Group Inc 194 Title Loan Professional PLUS Help Daily Deposit JE Daily Deposit Sheet Loan ID Transaction Date Check No Amount Account Status Balance Deposit Date Client Account Lookup Check Amount Check Number Total Deposit 10 4 2004 di Deposit Check Record KEKE gt gt i gt 17 4 Check Register Check Register Located in the Tools Menu The system automatically adds all check written to the check register You can manually enter a check or deposit at any time The check number is a required field so for deposits it is recommended you use the format DEP and the current date If you make more than one deposit on the same day you can add either a number or alphabet to the end of the deposit id to make it unique Copyright 2006 2009 Aloha Omega Consulting Group Inc Tools 195 Check Register Check No Amount Client Loan Number Date Employee D s IO 000 Toa S00 Base atin E E E S03 pas S000 Base Cain T
30. Some clients find Receipt3 confusing when used with daily interest so you may want to use Receipt4 or higher Copyright 2006 2009 Aloha Omega Consulting Group Inc Setting up your Company in Title Loan Professional Plus 63 4 21 6 Oregon Cash Advance Setup The most common number of days is 14 Select any contract of your choosing that starts with the letters OR Select the flat APR method Check the Enable Payoff check box The maximum number of renewals is normally 3 Enter 0 of the original loan amount starting with renewal number 0 If you want to require a minimum payment that includes a payment of principal you can change these defaults However a customer of ours was told by an Oregon auditor NOT to require a payment of principal The minimum finance charge is normally 10 South Carolina Company Setup South Carolina Company Setup Guide Here is the link to APR Calculations and Common Percentages 57 Note Most of our SC customers doing title loans are doing loans on an installment basis The following instructions will work for both installment loans and daily interest loans assuming that the default APR on both types of loans is the same If you are doing installment loans be sure to select the appropriate payment method and enter the number of terms payments on each loan because if the default payment method is daily interest as configured in the Title Loan section of the company
31. Tel 615 662 9537 Sd Fax 615 751 9975 Email sales aocg com Store Opening Procedure Store Opening Procedure The store opening procedure is very simple as long as the previous day was closed properly with the correct cash drawer closing balance 1 Make sure that the computer hosting the store database is brought up first Don t try to use TLP on a workstation if the computer hosting the database the database server is not running first 2 Check the calendar on your computer and make sure that the system date and time are correct If the time is off by more than a minute please correct it as time differences between two different computers using TLP at the same time may cause transactions to appear out of order 3 When the date and time are correct start TLP by clicking on a desktop shortcut or by going to Start then to Programs then to Title Loan Professional PLUS From the Title Loan Professional PLUS program group select the Title Loan Professional PLUS program For information on the other program group options see Program Group Notes below For information on unusual startup messages see Startup Messages below 4 When the program prompts you to login enter your user name and password The user name and password are case sensitive Be sure to select the proper cash drawer If your company has only one cash drawer select Cash Drawer 1 If your company has more than one cash drawer please be sure to select the appropriate
32. and the Due Date Calculation will be either blank or Default if the due date is to be changed in fixed 30 day periods or with payment if the next due day is to be 30 days from the day a client pays bringing his or her account current or buying days if the payment is divided by the daily interest amount to determine how many days have been bought with the payment Alternate interest renewals and special minimum payment calculations do not apply to Nevada and these fields should be left blank For the contract select an Installment Capable contract if you plan on doing installment loans Once you have determined the contract you want to use please call us if any contract wording needs to be changed For the receipt select Receipt3 or higher Some clients find Receipt3 confusing when used with daily interest so you may want to use Receipt4 or higher If you are doing installment loans and want the payoff figure as of the payment day to appear on the receipt you should use Receipt4 Nevada CA Setup If you intend to do CA renewals it is best to use the Flat APR method APR Please note that 521 4396 works out to 20 00 per 100 00 for a 14 day loan with a 365 day year Oregon Company Setup Oregon Company Setup Guide Here is the link to APR Calculations and Common Percentages 571 Please note that the guidelines below are simply comments about how we have seen clients set up their companies and Oregon regulations obviously
33. checked and the transactions should be set up with the categories as Principal If you need to set up a Membership Fee in the Transaction File it should be configured the same as the Title Lien Fee and should be set up before the Title Loan part of the Company Setup is done The Accrual Method should be Loan Length Average Daily Balance The Due Date Calculation method should be Default The contract must be hard coded for your membership fees and other parameters so DO NOT select a contract for another company unless EVERYTHING you do is exactly the same as the other company To print statements after the Average Daily Balance interest has been calculated use the Statements option on the Tools menu Since there is considerable lag time between the loan inception the interest being accrued 30 days later the statement being mailed and received and the client knowing his her exact payment some companies using this method require the client to come in after 15 days and pay the title lien fee and membership fee You may want to consider such an intermediate payment method and incorporate it into your contract and of course explain it to your clients Copyright 2006 2009 Aloha Omega Consulting Group Inc 74 Title Loan Professional PLUS Help 5 1 Day to Day Operations Procedure for operating your store from Opening to Closing to Backing up the store data Alpha Omega Consulting Group Inc
34. day loan as long as the finance charges are paid at that time All our loans need to be paid every 30 days from the date of the last payment A complete minimum due payment is required every 30 days to allow the customer to renew the loan for another 30 days Alpha Omega Consulting Group Inc will go over the contract and disclosure form with all borrowers to their complete satisfaction if you are obtaining this loan because of problems with your credit history you may wish to obtain credit counseling or financial advice Sources for that help include several non profit companies you may find them listed under the Credit amp Debt Counseling in the yellow pages Borrower s 11 19 Repossession Letter 1 You may print a Repossession Letter 1 Simple click on the radio button of either Printer or Screen then using the Loan Number drop down select the Loan Number desired If you have selected Screen you may also send the document to the printer from this window Copyright 2006 2009 Alpha Omega Consulting Group Inc Forms Letters Contracts Receipts 161 Reposession Letter Print Report To C Printer Screen TL145 Money Adams Money Adams Money Jones Paula Johnson Ron Smith Henry Adams Money Yusuf Mike The Repossession Letter 1 is as shown below Title Loan Professional PLUS Reposession Letter 1B Fie Edit Reports Forms Letters File Maintenance Security
35. every two weeks WzWeekly It is important that the Company Setup be correct and will normally be an Accrual Method of Daily with the interest setup having the Initial check box unchecked and the Recurring checkbox checked With this type of loan there is no payoff calculation since interest is calculated and applied on a daily basis Default Actuarial Method An amortized loan with a true daily periodic interest accrual per the Company Setup for Title Loans The asterisk is replaced by letters denoting the payment frequency MA monthly actuarial 15 bimonthly twice per month 14 biweekly every two weeks 7 Weekly It is important that the Company Setup be correct and will normally be an Accrual Method of Daily with the interest setup having the Initial check boxunchecked and the Recurring check box checked With this type of loan there is no payoff calculation since interest is calculated and applied on a daily basis This method varies from the other Default methods in that the user can synch up the first payment to a client s next paydate and the computer will refigure the contract APR to account for the fact that the first period is different in length to all subsequent periods With this method it is up to the user to tell the program the first payment due date by changing it on the loan screen before clicking the SAVE PRINT button Balloon A balloon loan with a predetermined number of payments The asterisk is replaced by le
36. function because it s easy to accidentally cut rather than copy We ve seen users accidentally delete their programs and data with both methods Instead if you are backing up using Windows right click on the Title Loan Professional Plus folder and select either Copy or Send To If you are backing up to a CD or DVD the Send To method is easiest simply send the folder to the CD drive this of course requires you to have a CD burner that supports burning CDs directly from Windows For a sample backup session see the example at the end of this section If you are backing up to a drive or device that is not available using Send To you can select Copy then use My Computer or Explorer to paste the copied folder to the desired destination However you must be extremely careful not to accidentally select cut rather than copy If you do cut by accident don t panic If you immediately paste the cut files into the same location your files should reappear but you must be careful that they end up in the right location within the Program Files folder If you are using special backup software your backup procedure will be different It is beyond the scope of this documentation to discuss every possible way that backups can be made If you have any questions about how to back up please consult with the person in your company who decides on such matters as we do not know the company policies of our customers However you back up it is import
37. please read the Help Topics titled Electronic Signature Setup and or Electronic Logo Setup Requires NT Service Pack 6 or higher If you get an error message that Office or Access requires NT Service Pack 6 or higher your system may be missing a DLL that is included with some versions of Windows but not with all versions of Windows You may need to install a DLL file called dbmsadsn dll This file will go in one of the following directories depending on the version of Windows you are using Just determine which directory exists on your computer and copy the file to that directory C winnt system32 C windows system32 You should be able to download this DLL from the Internet by going to Google and doing a search for download dbmsadsn dll or you can call AOCG and we can e mail you the DLL Special Keys F9 to redisplay and refresh the current screen If you need access to a certain feature such a Payoff or Renew and the button is not accessible you can press F9 to redisplay the entry form and the button should appear If you have made a transaction entry and want to force the system to recompute any on screen information immediately you can also press F9 The check given field is the check number of the check given to the client when the loan is created Copyright 2006 2009 Aloha Omega Consulting Group Inc Editing and Troubleshooting 115 A title loan check amount is normally the loan amount
38. 3 Click on Open 4 On the Select Store Database dialog window click on OK 5 When the browser window appears double click on the Titleloan2k icon 6 When the program window appears if the window is not maximized maximize it 7 If the client window is not maximized maximize it Please note that the last two steps are not required when using the full version of TLP only when running the demo Program Upgrades To download and install a program update from the AOCG website do the following 1 Call AOCG to get authorization to upgrade the program and the latest version number 2 AOCG will verify the correct upgrade and e mail you a link to the program upgrade 3 When you receive the e mail click on the link in the email and it will take you to the program upgrade 4 Be sure you have a current backup of Title Loan Professional on CD tape etc then follow the instructions in the e mail to install the program upgrade Note Be sure all copies of Title Loan Professional are closed before installing an update 5 If you downloaded the upgrade to receive a new feature or to correct a problem make sure the new program is working correctly if not call AOCG When prompted click Open or Run or Execute depending on the version of Windows being used Copyright 2006 2009 Aloha Omega Consulting Group Inc 36 Title Loan Professional PLUS Help 4 1 Setting up your Company in Title Loan Profess
39. Aloha Omega Consulting Group Inc Forms Letters Contracts Receipts 137 V Title Loan Professional PLUS Electronic Funds Transfer Authorization Electronic Funds Transfer Authorization ie Ror Johnson hereby ApiaOmega Corsi iig lic D debitmy bank account Tormyperiodb paymerton my Tite Pledge Agreement I iderstaid that Imastmahtah sube at myracconitib coe re drattamon tor pia Omega Consulting G Pip lic villickarge e 1 m hate thks avtiortizatbi atany tme by gulig 10days write vote to the Tite Phdge Agreemeiti amber Name hstiutbe of Amerta TN Fhanctsl he imber My bak account rember 957 455413210 Paymertamonit sana Fr que vor of payne it Spate Date 1 13 2005 11 5 First Notice of Default You may print a First Notice of Default Simple click on the radio button of either Printer or Screen then using the Loan Number drop down select the Loan Number desired If you have selected Screen you may also send the document to the printer from this window Copyright 2006 2009 Aloha Omega Consulting Group Inc 138 Title Loan Professional PLUS Help amp 3 First Notice of Default and Right to Cu J Print Report C Printer Screen Adams Money Adams Money Adams Money Jones Paula Johnson Ron Smith Henry Adams Money Yusuf Mike FIRST NOTI
40. Amount 7 starting with renewal number ice Charge for all renewals Percentage Min Finance Charge Percentage Max Fi Max days interest can accrue leave blank if unlimited Post Maturity Interest Setup Interest will be charged at the time of payment or renewal Enable Post Maturity Interest 7 Charge Interest after how many days late Initial Post Maturity APR Secondary Post Maturity APR Secondary Post Maturity APR wil be charged after the account is how many months old Advance Amount Advance Fee E gt 50 00 8 00 60 00 10 00 70 00 12 00 80 00 14 00 90 00 31500 310000 17 00 Record 14 4 1 gt b ex of 26 on the dropdown control and scroll up or down to the contracts for your state If there is not a contract for your state you can select the Any State contract which will be toward the top of the list or you can submit a contract to Alpha Omega to be added to the contract list If you re not sure which contract to use select the highest numbered contract for your state as the highest numbered contracts are the most recent After you have done a cash advance loan you can print the loan with each contract to see what they look like You do not have to change the company setup to do this you can select any contract from the contract print dialog Be sure to write the contract number in the upper right hand corner of eac
41. Editing and Troubleshooting 111 Controls for Editing 111 EITOIS 112 Active X component can t create object 113 Open Report EITOIS ista Eire i Dira nii rk Denia ra Eee OT ar REY Dr ela eV Era EY A FE an ER EUR R E EROR RARE RE ERE Ra 114 Requires NT Service Pack 6 or higher assa sn asma snas 114 Special Keys Im EE 114 FAQ Frequently Asked Questions 118 Can we backup at the main office sse eene nnns 118 Daily Receipt Log m 118 How do I change due date 118 How do delete a client liliis eee eeee eese tnnt 118 How do delete a posted transaction 119 How do delete a loan lilii 119 How do set the Title Loan Payment Method eese 119 How do I flag the account if we deny someone eese nennen 119 How do setup a server and workstation 120 How do take a payment on an inactive non interest accruing loan 120 How do install the electronic signature file
42. Explore This will open a double paned window where you can select your desktop at the top of the directory tree Next click and drag the Title Loan Professional PLUS icon down to the Local Disk C Documents and Settings V All Users Desktop folder My Computer method Go to My Computer then double click on the Local Disk C icon then locate and double click on Documents and Settings Next locate the All Users folder open this folder and you will see a Desktop folder Double click this folder and you will see various shortcuts for you programs If the Title Loan Professional PLUS Icon is not there minimize the screen by clicking the minus sign in the upper right hand corner close any other screens so that you can view your desktop and the Title Loan Professional PLUS icon right click on the TLP icon select Copy then maximize the desktop folder by left mouse clicking on the bottom status bar Right click anywhere in the folder in the clear white space and select Paste The shortcut will appear and will be available for all users who log into the Windows Copyright 2006 2009 Alpha Omega Consulting Group Inc Installing the Title Loan Professional Plus Software 27 XP computer pee _J Favorites gt Title Loan Professional PLUS Run as WordPerfect 10 Scan with Norton AntiVirus w Microsoft Word 3 Pin to Start menu e Symantec pcAnywhere Send gt Ej Compressed zi
43. Income Vehicle Co Applicant Contacts Loans Notes Merchants SalesPersons Quick Search EMPLOYMENT INFORMATION NET MONTHIY INCOME Monthly Income 3 000 00 Employer JohnJ Owens Company Housing 50 00 Phone 615 555 2222 5 Utilities 200 00 Address1 123 Printers Alley Food 500 00 Address2 Medical 100 00 City Nashville State TN is Misc 10 00 Zip 37201 Income After Expenses 750 00 Salary 0 00 Frequency Length Of Employment Y ears Print EE Bank First Tennessee Bank DirectDeposit Direct Deposit Date Account Number 123456788 RautingNumber O PIN E Account Type onn Payment Method You should also select the customer clients Bank Name from the dropdown next to Bank Name If it is not listed you can type the name of the bank in the dropdown Title Loan Professional Plus will ask you if you desire to save the new bank name information you should answer yes Loans To enter a loan After entering all relevant account information click on the Loans Tab then click the New Loan button The cursor should then go to the Loan Type drop down box The loan types supported are cash advance and title loan After selecting the loan type if the corresponding collateral is not entered the system will let you know and take you to the appropriate screen so that you can enter it If that was the case you then have to start back at the top of these instructions to en
44. Information and use the Payoff Account button to pay off the loan Then create a new installment loan with the principal amount being the unpaid balance of the first loan plus the principal increase If you company is set up to charge a title lien fee or other up front fee and you do not want a title lien fee on the new loan be sure to set the title lien fee and or other fees to zero by using the Fees tab of Additional Information before saving and printing the new contract If asked to print a check do not print a check unless you can cash the check and use cash to pay the client and to pay the old loan off in this case the old loan would be paid off with Cash rather than Check as the transaction type If you are using the two check payment method write two manual checks and if you want the checks to show up in the Check Register be sure to enter them using Tools Check Register If you don t do these types of loan increases very often it would be a good idea to immediately check the Cash Drawer and the daily reports you use for end of day and balancing purposes to make sure that everything was done correctly Printing the Teletrack Inquiry Results To print the Teletrack inquiry results If you want to print the results of a Teletrack Inquiry press the Print button This brings up the results in a report preview As with all TLP previews use Control P to send the previewed report to the printer Client Account Status Note If you wan
45. Legal Se uke or Legal A O fice Ityou desire ip make ai De kage the exckeed tom mastbe compeiedaid rotarked WAE be thatth Notte of lie at Apply bra Repossession Tite was malkd b the debbbrattie bst address Dy ce rte d mall etin Rceptreque sed aid regi Brmalloi 1713 2006 Copke Maled Ore Regi iar m Ore C Hal Retin meptfequerbd 11 9 Notice of Right to Recover Vehicle You may print a Notice of Right to Recover Vehicle Simple click on the radio button of either Printer or Screen then using the Loan Number drop down select the Loan Number desired If you have selected Screen you may also send the document to the printer from this window Copyright 2006 2009 Aloha Omega Consulting Group Inc 144 Title Loan Professional PLUS Help amp Report Criteria Print Report To C Printer Screen Adams Money Adams Money Adams Money Jones Paula Johnson Ron Smith Henry Adams Money Yusuf Mike Alpha Omega Consulting Group hc Account No TLI Vehicle 1997 Ford F150 MIN TFT OXO F W2VKB53465 Via Certified Mail Return Receipt Requested And Regular U S Mail Ron Johnson 507 Testing St Nashville TN 37013 Dear Ron Johnson Enclosed please find a Notice of Intent to the Debtor and an Affidavit of Defense NOTICE OF RIGHT TO RECOVER VEHICLE Your vehide was repossessed on 1 13 2006 for failure to make payments on the contract
46. Letters Contracts Receipts 149 amp Report Criteria Print Report To C Printer Screen TL145 Money Adams Money Adams Money Jones Paula Johnson Ron Smith Henry Adams Money Yusuf Mike Alpha Omega Consulting Group hc 716 Vauxhall Dr Nashwille TN 37221 615 652 9537 NOTICE OF OUR PLAN TO SELL PROPERTY Friday January 13 2006 This is an attemp to collect 2 debt any information will be used for that purpose Ron L Johnson 507 Testing St Nashville TN 37013 We Kaye your 1997 Ford F1SO becatse you broke prom kes h orrageemeit We willsell the 1997 Ford F150 atapiblb sak A sak cor d onde a kase or henge Tie sab be U as bibws Dat 22 2005 Tme 800 AM Pace Wich ta AND Atcton 3820 Siti Bradway Wichita Kansas 67216 You may aterd the sak and brig 600 re Nyo want The morey from tie sak Grerpayhg otr cost wil edio the mon owe Mwe get bss than yot yor wiistillowe s the di rence Nwe getmore money than yor owe yor willgettie extra Money NESS we mast Fay Itb someone You can g tthe prope ry back atan tme bere we sell by payhg ts nilamon tyor owe aot itte pact payment hchdhigotrexperzer To kan the exactamo i tyoum est pay call ts 21615 65249537 yor wan tes b Dyor h writhg bow we kawe Tigured the mon tthatyor owe 2 you may call 21615 662 9531 orwite 42 at 16 vakal Dr Nashulk TN 37221 Sincerely y
47. Omega Consulting Group Inc 32 Title Loan Professional PLUS Help n Ihave detected a previous installation of the program on this machine Overwriting this installation is generally not recommended If you re ABSOLUTELY sure you know that you want to do this click OK to proceed and overwrite the previous installation Cancel The next screen it the status of you installation if you do not have any clients setup on your network at this point then you can click on the Stop waiting and Finish Installation button This will finish the installation If this is a client installation the program will scan for a server operating as a host on your network I Status Automatically scanning your subnet This process may take up to 5 minutes If you would like to abort the process or if you know your server s ip address hit the button below Overall Installation Progress Network Progress 12 13 2005 2 22 45 PM Scanning ip 192 168 1 1 on port 35454 12 13 2005 2 22 46 PM Scanning ip 192 168 1 2 on port 35454 12 13 2005 2 22 49 PM Scanning ip 192 168 1 3 on port 35454 12 13 2005 2 22 52 PM Scanning ip 192 168 1 4 on port 35454 You will see the install complete dialog box next Click the OK button to finish the installation You may need to restart the computer if the Microsoft Access Runtime was installed Copyright 2006 2009 Aloha Omega Consulting Group Inc Installing
48. Printer C Screen Loan Number TL145 Adams Money TL8 Adams Money TLS Adams Money TL3 Jones Paula TL1 Johnson Ron TL2 Smith Henry TL Adams Money Yusuf Mike The Repossession Letter is as shown below Copyright O 2006 2009 Alpha Omega Consulting Group Inc 154 Title Loan Professional PLUS Help Title Loan Professional PLUS rptRepoLetter Report B Edt Reports Foymsiletters Fle Maintenance Securty Window x DEI r AphaOmegaConsetthg Grow he 716 Vauxtal Dr TN 37221 Phone 615 662 9537 615 662553 Roi L Jobson 5 Testhg St Naz ille TN 37013 DATE 1 13 2005 Dear Ror L Jobason RE Ford 150 1FTDXDTW2VKBS3465 YOU HAVE 10 DAYS FROM THE DATE OF THIS LETTER TO PICK THIS VEHICLE UP OR ITWILL BE SOLD AT PUBLIC AUCTION THE AMOUNT OWED IS 2 00000 UN e rer ng LESS THAN THIS AMOUNT YOU ILL BE HELD RESPONSIBLE FOR THE REMAINING BALANCE IF THE VEHICLESELLS FOR MORETHAN THE AMO UNT ON YOUR ACCOUNT THE DIFFERENCE WILL BE MAILED TO YOU DIRECTLY PLEASE BE ADVISED THAT THERE WILLALSO BEA DAY STO RAGE FEE FOR ALL CARS REPOSSESSED THAT ARE KEPTON PROPERTIES THAT ARE NOT OWNED BYOUR CO MP ANY IF YOU WISH TO GET THECAR BEFORE THE SALE PLEASE CONTACT ME AS 500 AS POSSIBLE SINCERELY MANAG ER 11 15 Power of Attorney 1 You may print a Power of Attorney 1 Simple click on the radio button of either Printer or
49. Screen then using the Loan Number drop down select the Loan Number desired If you have selected Screen you may also send the document to the printer from this window Copyright 2006 2009 Aloha Omega Consulting Group Inc Forms Letters Contracts Receipts 155 amp Report Criteria Print Report To C Printer Screen TL145 Money Adams Money Adams Money Jones Paula Johnson Ron Smith Henry Adams Money Yusuf Mike GENERAL POWER OF ATTORNEY IN REFERENCE TO THE VEHICLE OR OTHER PROPERTY BELOW Mem 187 Meran Med Fen Vik FOINNE BE IT KNOWN that Ron Johnson has made and appointed and by these presents does make and appoint Alpha Omega Consulting Group Inc true and lawful attorney for him her and in his her name place and stead giving and granting to said attorney general full and unlimited power and authority to do and perform all and every act and thing whatsoever requisite necessary to be done in and aboutthe personal property referenced above as fully to all intents and purposes as could be done if personally present with full power of substitution and revocation hereby ratifying and confirming all thatsaid attorney shall lawfulhy do or cause to be done by virtue hereof IN WITNESS WHEREOF have hereunto set my hand and seal this day of D Signature State of TN County OF The foregoing instrumentwas acknowledged by me this day of 20 by who is are persona
50. Tools Window Help x a pomm Alpha Omega Consulting Group Inc 746 Vauxhall Dr Nashville TN 37221 615 662 9537 DATE 1 132006 Dear Ron LJohnson YOIIR OAN CONTRACT ON YOIIR 1997 Ford F150 1FTD X07 W2VKB53465 MATURED ON 9 25 2003 YOU MUST IMVEDIATELY REDEEM YOUR TITLE IF YOU WANT TO KEEP YOUR VEHICLE UNLESS SATISFACTORY ARRANGEMENTS ARE MADE FOR PAYIVENT YOUR VEHICLE MAY BE PICKED UP VERY TRULY YOURS Copyright 2006 2009 Aloha Omega Consulting Group Inc 162 Title Loan Professional PLUS Help 11 20 Repossession Letter 2 You may print a Repossession Letter 2 Simple click on the radio button of either Printer or Screen then using the Loan Number drop down select the Loan Number desired If you have selected Screen you may also send the document to the printer from this window E Reposession Letter Bl x Print Report To C Printer Screen Loan Number TL145 Adams Money TL8 Adams Money TLS Adams Money TL3 Jones Paula TL1 Johnson Ron TL2 Smith Henry TL Adams Money Yusuf Mike The Repossession Letter 2 is as shown below Copyright 2006 2009 Alpha Omega Consulting Group Inc Forms Letters Contracts Receipts 163 V Title Loan Professional PLUS rptRepoLetter EMER Report Wire D neut Fnsletas NAUES Sec Te ery x COBB AphaOmegaConsetthg Grow he 716 Vauxtal Dr
51. WHO NEED TO KNOW THAT INFORMATION TO PROVIDE PRODUCTS AND SERVICES TO YOU IN ADDITION WE MAINTAIN PHYSICAL AND PROCEDURAL SAFEGUARDS THAT COMPLY WITH FEDERAL STANDARDS TO GUARD YOUR INFORMATION Tres ps peer fes TINO ET EST Copyright 2006 2009 Aloha Omega Consulting Group Inc Forms Letters Contracts Receipts 159 11 18 Reminder to Borrower You may print a Reminder to Borrower Simple click on the radio button of either Printer or Screen then click OK button If you have selected Screen you may also send the document to the printer from this window Reminder To Borrower The Reminder to Borrower is as shown below Copyright 2006 2009 Alpha Omega Consulting Group Inc 160 Title Loan Professional PLUS Help itle Loan Professional PLUS Reminder to Borrower Alpha Omega Consulting Group Inc 716 Vauxhall Dr Nashville TN 37221 615 662 9537 Reminder to Borrower Statement The undersigned borrower s have read this document and understand that this loan is offered at very high interest rate Alpha Omega Consulting Group Inc asks all borrower s to seek alternative sources of financing if at all possible Arepayment plan can be offered to assist you in repaying this loan in a timely manner If you have no other source s to use for financing please pay as much as possible up and above the monthly interest payment due each month This is a 30
52. When backing up we strongly advise that you do not attempt to drag and drop the Title Loan Professional Plus folder or any of the individual program or database files Dragging and dropping can easily result in the files being moved in which case the program will no longer function and data in the worst of cases might be lost Also do not use a cut and paste operation to back up as the cut function will delete the files from the hard drive And it s dangerous to use a copy and paste function because it s easy to accidentally cut rather than copy We ve seen users accidentally delete their programs and data with both methods Instead if you are backing up using Windows right click on the Title Loan Professional Plus folder and select either Copy or Send To If you are backing up to a CD or DVD the Send To method is easiest simply send the folder to the CD drive this of course requires you to have a CD burner that supports burning CDs directly from Windows For a sample backup session see the example at the end of this section If you are backing up to a drive or device that is not available using Send To you can select Copy then use My Computer or Explorer to paste the copied folder to the desired destination However you must be extremely careful not to accidentally select cut rather than copy If you do cut by accident don t panic If you immediately paste the cut files into the same location your files should
53. You may put check marks for each item that you desire to print along with the contract and receipt The options are Print Checks for Title Loans Print Power of Attorney Print Privacy Notice Print Affidavit of Fact Print Reminder to Borrower Print No Liens Letter and Notice to Title Loan Borrower One item prints upon title loan payoff Print Title Key Receipt at Payoff Copyright 2006 2009 Alpha Omega Consulting Group Inc 68 Title Loan Professional PLUS Help 210 x Version 10182005 General Information AllLoans Title Loans Cash Advances Other Loans Reports Forms Statements Default Interest and Fees Amount Description Type Initial Recurring Financed Recurring Description 200x4jUWgnaknFee MM LI RenewsFee E SS a 1 BM sy nn Me ME Terms Accrual Method Lloanlength Maxdays Date Calc Defaut Avfemate interest and FeeslCharged after fast ferm mount Description Type Recuming Accrual Period ______ B8 PA 9w 93 Apply Late Fee mjfaereeTwe Di Number af Renewals Minimum Finance Charge Percent of Amount Financed Min Renewal Payment Fees Plus 50057 Original Loan Amount with renewal na 3 Minimum onvert outstanding interest to principal at the end of each term Non
54. af Ma La If you are going to apply a late fee you should close the company setup EB Late Fees window Late Fees File Mainter ID Description Amount Typ Now go to File Maintenance then Late Fees Lais Charge or Fee 35 Fred Rate For the ID put Late Fee for Description put Late Fee and enter an amount 20 Type would be Fixed Rate and Transaction would be Late Fee If you have any questions please contact AOCG at our toll free number Continue with Title Loan Tab Other 4 Title Loans Tab Other Continuing with the Title Loan Tab The Renewals area is from Max Number of Renewals to Copyright 2006 2009 Alpha Omega Consulting Group Inc Setting up your Company in Title Loan Professional Plus 45 Maximum Loan Amount If you are not doing manual renewals all of the below listed fields should be blank 1 Max Number of Renewals blank Max Number of Renewals Minimum Finance 2 Minimum Finance Charge Percent of Amount Financed blank Min Renewal Payment Fees Plus of Original Loan Amount 3 Min Renewal Payment Fees Plus after of leave as Original Loan Amount Allow principal increase with renewal Print Renewal Notice 4 4 starting with renewal no blank Principal reduction calculation method for automatically renewing accc 5 Allow principal increase with renewal blank dd schedul
55. are asked if it is okay to delete the account and its associated records To delete a transaction click in the date field and press Control R Ctrl E to edit transactions Click in date field then press Control E can edit all fields for that transaction Ctrl F to find an entry based on a specific field This feature may only be available if you have a full version of Microsoft Access but it doesn t hurt to try To use this feature click on the field you want your search to be based on then press Control F to bring up the Find dialog For instance to find all clients added on 07 10 2004 first click in the Client Since field then press Control F In the Find What field enter 07 10 2004 then press the Find Next button If there is a matching record that record will become the current record To find other matching records press the Find Next button again When the current record doesn t change there are no other matching records Ctrl C to copy selected text to the Windows clipboard for pasting later Ctrl X to cut selected text to the Windows clipboard for pasting later Ctrl V to paste selected text from the Windows clipboard Alt prt sc to capture a screen to the Windows clipboard This can be used to print out a data entry screen or to include screenshots in a user manual For instance to print out the Current Loan data entry form for a title loan go to the Current Loan tab start a new loan select the a loan type of title loan
56. as how many of our customers below the age of 21 have written bad checks export your data to spreadsheets like Excel link your customer file to mailing lists etc Also Title Loan Professional is not a jury rigged car lot or pawn shop program or a 20 year old update of a DOS program It was written for the Title Loan and Cash Advance industries from scratch and the development of this program was to the specifications of several stores in the Title Loan and Cash Advance industries This makes it a very functional program without a lot of hard to use features that have nothing to do with what your company needs Title Loan Professional PLUS Help Copyright 2006 2009 Alpha Omega Consulting Group Inc All rights reserved No parts of this work may be reproduced in any form or by any means graphic electronic or mechanical including photocopying recording taping or information storage and retrieval systems without the written permission of the publisher Products that are referred to in this document may be either trademarks and or registered trademarks of the respective owners The publisher and the author make no claim to these trademarks While every precaution has been taken in the preparation of this document the publisher and the author assume no responsibility for errors or omissions or for damages resulting from the use of information contained in this document or from the use of programs and source code that
57. at 321 Anywhere Street you would need to purchase an additional license in order to install Title Loan Professional PLUS at this location You would use the same setup scenario as in the example above Insert the Title Loan Professional Plus disc in your CD or DVD drive The auto installation program should begin after a few seconds Windows Vista User Account Control Step 1 Login to windows as an Administrator Step 2 Control Panel Click on the Windows button and select Control Panel button Step 3 Click on User Accounts Step 4 Now uncheck Use User Account Control UAC to help protect your computer then click the OK button Copyright 2006 2009 Aloha Omega Consulting Group Inc Installing the Title Loan Professional Plus Software 17 3 2 3 3 GUE User Accounts Turn User Account Control On or Off Turn on User Account Control UAC to make your computer more secure User Account Control UAC can help prevent unauthorized changes to your computer We recommend that you leave UAC turned on to help protect your computer V Use User Account Control UAC to help protect your computer mm Begin Installation This is the first dialog window The version number located in the lower left hand corner may differ from this picture AOCG staff may ask for this number during a support session Click Next to AOCG STANDARD INSTALLATION PROGRAM Alpha Omega Con
58. backing up we strongly advise that you do not attempt to drag and drop the Title Loan Professional Plus folder or any of the program or database files Dragging and dropping can easily result in the files being moved in which case the program will Copyright 2006 2009 Aloha Omega Consulting Group Inc Store Opening and Closing Procedures 179 no longer function and data in the worst of cases might be lost Instead if you are backing up using Windows right click on the Title Loan Professional Plus folder and select either Copy or Send To If you are backing up to a CD the Send To method is easiest simply send the folder to the CD drive this of course requires you to have a CD burner that supports burning CDs without special software If you are backing up to a drive or device that is not available using Send To you can select Copy then use My Computer or Explorer to paste the copied folder to the desired destination If you have any questions about how to back up please consult with the person in your company who decides on such matters as we do not know the policies of our customers However you back up it is important to make sure your backup files are accessible and can be restored when necessary For more information please refer to the Backup topic of this documentation or search for Backup to see all related topics EXAMPLE End of Day Store Closing Checklist Store Date Closed by 1 Make
59. cash drawer 5 If you are the first person to log in for the day you have the option to change the cash drawer beginning balance This is allowed on the first login for the day only However some companies may want a tight audit trail of the cash drawer s and may not want the beginning balance changed arbitrarily Please make sure you follow your company s policies in this matter After the cash drawer beginning balance has been established corrections can be made by submitting cash drawer adjustments but the beginning drawer balance cannot be changed after the first login for the day 6 If you are the first person to log in or are logging in because of a shift change it s always a good Copyright 2006 2009 Aloha Omega Consulting Group Inc Store Opening and Closing Procedures 177 14 2 idea to make sure the computer s cash drawer balance matches the actual cash drawer If it doesn t please notify the proper person in your company immediately so that the problem can be rectified Program Group Notes Do not select any of the TLP program group options other if anyone else is running the program The other options are for compacting and or repairing the TLP program and data files when the program is not in use They should not normally be needed but may come in handy for instance if the power went out while the program was in use and a program or data file was corrupted as a result Also if the program i
60. checklist which some companies may elect to have initialed and filed for each day by the person doing the closing 4 Next print one of the various Daily Summary reports The example given here is for the Daily Summary Single Date Version Your company may elect to use another report for balancing and closing in which case the process may be somewhat different In this example select the Daily Summary Single Date Version Be sure the date chosen is the day being closed This date will normally default to the current system date Click the Refresh button which causes the form to be refreshed with up to date figures for the date in question Next click the Print button Do not click the Post button until all the figures on the Daily Summary have been verified Compare the Daily Summary cash section to the Cash Drawer Reconciliation Report and make sure the reports agree If the previous day s cash drawer was not closed correctly or if the beginning and ending dates and times on the cash drawer are incorrect it is possible for the reports to be out of balance It is also a good idea to compare the Daily Summary against the detailed reports such as the Daily Transaction Report and the Daily Receipt Log If your company balances the A R figures on a daily basis it would also be a good idea to compare the Daily Summary A R figures to the Loan List at this point If there are any discrepancies they should be resolved before the Post button is clicked
61. data corruption etc If backup is being performed to disk If backup is to disk do you recommend the CD RW disc Yes you can use either CD R or CD RW but remember that CD RW may only work in certain types of CD Drives and may not be readable in all types of CD drives Is there a way to enter manual checks in the check register Yes there are two ways of doing manual checks using the Title Loan Professional PLUS check register If you don t care about the check register showing the actual payee name you can set up one client with a first name of Manual and a last name of Checks Then whenever you do a manual check select Manual Checks as the client and enter the check Copyright 2006 2009 Alpha Omega Consulting Group Inc 122 Title Loan Professional PLUS Help 9 15 9 16 9 17 9 18 amount date and amount If you want to print the manual check or if you want the check register to show the payee name you will need to set the payee up in the client file before entering the manual check Once you have entered a payee that payee will automatically be available for future manual checks You only need to add the payee the first time Since our main office has a server Since our main office has a server would the back up be to the server Yes as long as the two computers can connect to each other through the Internet or via modem What is the EFT file path Q On the EFT
62. e Book Electronic Book in Windows Executable Format Download Title Loan Professional Plus Manual in e Book format The manual will open in your browser if your browser has the Adobe Acrobat Reader add in installed Once open in your Copyright O 2006 2009 Aloha Omega Consulting Group Inc 12 Title Loan Professional PLUS Help browser click the Print Button or save the manual to your computer using the Floppy Disk Button it your browser does not have the Adobe Acrobat Reader add in installed you will be given the option to download and save the manualto your computer There are many options when printing the Title Loan Professional Plus manual Choose your print options carefully Copyright 2006 2009 Alpha Omega Consulting Group Inc 14 Title Loan Professional PLUS Help Contacting AOCG Technical Support If you are in need of technical support with Title Loan Professional PLUS and your request is not an urgent need please contact AOCG by email as follows Mike Burch CEO President Extension 101 Rod Allen Lead Programmer Extension 102 Dave Winters Senior Programmer Analyst Extension 106 Copyright 2006 2009 Aloha Omega Consulting Group Inc 16 Title Loan Professional PLUS Help 3 1 Installing the Title Loan Professional Plus Software To install Title Loan Professional PLUS you must be logged into your com
63. from time to time Copyright 2006 2009 Alpha Omega Consulting Group Inc 182 Title Loan Professional PLUS Help 14 5 However be sure not to restore and old copy of the files on top of the current live files or you may very well lose data Instead restore files to a test folder E mail Reports To e mail the selected Daily Reports you must be using Microsoft Outlook as your e mail client Outlook Express will not work Go to Reports then select Daily Reports from the menu Select the report to e mail by using the up or down arrow on the right side of the box EB Daily Reports Jog Description Email Report From Date f 2 5 2004 To Date f 2 5 2004 Email Close Form l Copyright 2006 2009 Alpha Omega Consulting Group Inc 184 Title Loan Professional PLUS Help 15 Search Options This directory contains help on the loan lookup and the advanced search feature of the Title Loan Professional PLUS program 15 1 Loan Lookup This screen is a means of quickly search the database for a loan Enter the clients name last name then first name After selecting a client a list of loans will appear in the box below Double Click on the loan and the system will pull that loan up for you Copyright 2006 2009 Alpha Omega Consulting Group Inc Search Options 185 Loan Lookup BAX Title Loan Plus Loan Lookup 321 00 oe 21
64. is 5 Use the statement due date as the system due date This should normally be checked Subsequent statement Minimum Payments will be all fees and interest due plus what percentage of the principal balance If you are going to require principal with interest statement this would be 5 00 or 10 00 or if no principal 0 00 Payment Application Method Current Period adds all fees and interest applied during the current period then applies any payments made This balance plus any unpaid fees and interest from previous periods is the minimum payment Previous Period adds all interest and fees charged during the current period plus any unpaid interest and fees from previous periods This balance or the account balance if it is less than interest and fees charged for the period is the minimum payment Payoff Calculation Method Should be Average Daily Balance With this method no interest accrues until the end of the period If the person pays the loan before the end of the period the customer pays no interest Grace period in days This would be left blank Use the statement payment due as the system minimum payment This should be checked Select the statement you want to use Most customers use Statement 1 Please check them carefully to make sure they are setup the way you want them to be Statement Message Leave blank to use the default message There is a default message that will appear if you leave this field blank or you can ty
65. item to appear You should enter a Primary Contact name in the Primary Contact field This could be the Manager s name or just the word Manager Business hours should be modified to reflect your stores days of operation and business hours Copyright 2006 2009 Alpha Omega Consulting Group Inc Setting up your Company in Title Loan Professional Plus 39 Do not put anything into the Company Signature field If you desire a company signature to be automatically printed on checks you must contract Alpha Omega Consulting Group Inc Most customers do not need a Company Logo If you desire your company logo to appear on contracts letters etc you need to give us a call to discuss adding your company logo Copyright 2006 2009 Alpha Omega Consulting Group Inc 40 Title Loan Professional PLUS Help 4 3 All Loans Tab Copyright 2006 2009 Aloha Omega Consulting Group Inc Setting up your Company in Title Loan Professional Plus 41 In the All Loans Tab the Next Number field can Company Setup be changed if you want to start the corresponding Custom templates Version 09242008 Loan with specific number Saves Reven Ewon General Information ll Loans Title Loans Cash Advances Other Loans Reports Forms Statements Admin Contracts Under Loan Type you will see four 4 loan types Title L
66. may accompany it In no event shall the publisher and the author be liable for any loss of profit or any other commercial damage caused or alleged to have been caused directly or indirectly by this document Printed July 2009 in Nashville Tennessee Publisher Alpha Omega Consulting Group Inc 716 Vauxhall Drive Nashville TN 37221 Tennessee 615 662 9537 Toll Free at 866 802 5742 President and Managing Editor Mike R Burch Technical Editors Fred Born Johnson Cover Designer Ron Johnson Lead Programmer Rod Allen Programmer Ryan Bennett Title Loan Professional PLUS Help Table of Contents Part 1 2 Part Part Ill o RAON e 11 12 13 14 15 16 Part IV Foreword 0 Alpha Omega Consulting Group Inc Company Info 10 Features and Benefits cni rv ev Pu Ev E Pu Fu Pu Fu PN Pu Fu e PN Pu EN NEN 10 Printing the Manual or this Help File enne 11 Contacting AOCG Technical Support 14 Installing the Title Loan Professional Plus Software 16 Windows Vista User Account Control esses enne nnn nnns 16 Begin Installation a isasasawawawawa sawawi wana wa wawadi wanawasa waana wa wa wawadi wawan ennt nnns ananas a uwa nawa wana wawa wawasane 17 Installation Step eec DC 17 Installation Step 2 i a E ssi 18 Installation Step 18 Installation Step 4 nannan nane
67. miscellaneous transaction is a transaction that does not involve a loan per se For instance if your company sells prepaid phone cards for cash the sale of a prepaid phone card would be considered a miscellaneous transaction Other examples might be bill paying faxes copies money orders bus tokens Western Union etc This option is NOT part of the standard Title Loan Professional PLUS package and there may be additional costs and support required if you decide to use it We do not advocate that you spend a lot of time setting up miscellaneous transactions as you cannot use what you set up unless the program is specially configured This requires the creation of an internal loan record for miscellaneous transactions that is not associated with a client Only an Alpha Omega programmer can do this So you should call Alpha Omega if you want to use this feature and have not used it in the past Miscellaneous transactions do not appear on most of the TLP reports which are loan oriented and A R oriented Miscellaneous transactions do affect the Cash Drawer the Daily Transaction Report and the Cash Daily Summary Here is a quick rundown of the miscellaneous transaction setup fields Heading this is what the user sees when a transaction is entered Examples 20 Phone Card 40 Phone Card etc Transaction Description this is the general heading under which the miscellaneous transactions show up on the various reports For instance all phon
68. not displayed Our payment method was Default before What should we do A Close the program on all computers then on the computer that hosts the database go to Tools and do the Upgrade Database step Make sure this runs without errors Then log in as an administrator go to File Maintenance select Title Loan Payment Methods and make sure the table is populated contains records and that the line with the ID Default has both the Default and Active check boxes checked If you are doing amortized or multi pay balloon loans your payment method may not be Default in which case you should select the appropriate method and click its Default check box If you change payment methods on a loan by loan basis it s a good idea to uncheck the Active check boxes on all payment methods that are not used to prevent them from being accidentally selected How do flag the account if we deny someone Most of our clients don t enter clients who are denied credit If you do enter the clients who are turned down go the File Maintenance then Account Status and add a new account status such as Denied Credit and sure to check the Place Hold On Account check box Copyright 2006 2009 Alpha Omega Consulting Group Inc 120 Title Loan Professional PLUS Help 9 9 9 10 9 11 9 12 Then manually select this account status on any client it applies to How setup a server and workstation To setup a server an
69. number manually Returned Check Fee Be sure to specify the fee you charge your clients for returned checks Apply after day number This is always 0 the number zero which causes the returned check fee to be applied immediately No one would ever want the system to wait a certain number of days before applying the returned check fee but if you do enter the number of days to wait here Use Loan Suffixes If this check box has a check mark in it the program will append each loan with N First Loan R Renewal Increase example If you were doing a Title Loan and Use Loan Suffixes is checked your loan number would be TL101N which would mean as noted above that this is the First Title Loan the client customer has received The number of days for the APR is almost always 365 The exception to that would be if a customer had an interest rate 180 or 360 some people use 360 because if cuts down on rounding Most states do not allow this Below that you will find Default Cash Drawer Balance The default is set to 0 the software will start each days transactions with the previous days closing cash drawer balance If any amount other than 0 the software will open the cash drawer each day with this figure A printer should be selected for the Label Printer It should be the printer you are using for loans unless you have a separate printer just for producing mailing labels The following four 4 options are security optio
70. received click the Payoff Account button allow the program to print the receipt and verify that both the receipt and the loan screen show that the loan is paid in full If either the receipt or the loan screen do not reflect that the loan is paid in full and that the loan balance is now zero press the F9 key to refresh the loan screen If the loan screen and receipt do not agree call Alpha Omega for assistance 2 If the client can make a payment but can t pay enough to satisfy the current fees and interest plus any late interest do not pay off or renew the loan Instead take the money the client can pay make sure that amount is entered in the amount field of the transaction submission line and press the Copyright 2006 2009 Aloha Omega Consulting Group Inc Current Loans 109 Submit button This is considered a partial payment and the loan is not paid off or renewed Explain to the client that an additional payment is required before the loan can be renewed 3 If the client does not wish to pay the loan of in full but can pay enough to satisfy all current fees and interest plus any late days interest use the Renew button If the client is not paying on the due date the program will explain this and ask if you want to apply an interest adjustment If the client is paying early and you do not want to reduce the interest answer No If the client is paying late and you want to increase the interest answer Y
71. report which creates the file for export what is the file path A Ona standalone system the path to the main program is C Program Files Title Loan Professional PLUS The path to export files such as the EFT file is C Program Files Title Loan Professional PLUS Export If you re on a network the C may be replaced by a server drive letter like Z or a UNC pathname such as WServer Program Files Title Loan Professional PLUS WExport You will need to get this information from the person who set up your network Or in Title Loan Professional you can click on File then Select Store Database and see the prefix before Program Files What is the payment formula The payment formula is Roundnum getFinanced LoanlD mir 1 1 mir rst terms 1 2 When I send a check through the ACH When we send a check through the ACH and it clears do we just change the status to paid in full and not apply any fees when the adjustment box appears No changing the loan status manually does not change the account balance Instead use the ACH Deposit transaction entering the amount of the ACH transaction If the loan is paid in full the loan status will change to Paid In Full automatically Copyright 2006 2009 Alpha Omega Consulting Group Inc FAQ Frequently Asked Questions 123 9 19 We have begun to switch the customers from our old software to We have begun to switch the customers from our old so
72. save them from paying extra interest they ll be appreciative This can also set you apart from local competitors who don t go the extra mile to reward customers who pay early Installment Loan Increase Title Loan Increase the Principal on an Installment Loan You cannot directly increase principal on an installment loan because the client has set payments with set principal reductions There are two methods to increase principal on a title loan 1 Keep the current loan and do a new installment loan for the increase in principal This would give the client two different payments but this may actually be good If the client likes the idea of coming in twice and making two smaller payments everything is fine If the client would rather come in and make one large payment the client should come in on the earlier of the two payment dates Of course if the new loan can be dated on the same day of the month as the original loan the two payment dates would fall on the same day each month 2 Pay off the original installment loan writing two manual checks one for the payoff amount of the old loan made out to the store or as a joint check or made out to the client and endorsed over to the store and one for the principal increase to be paid to the client Do a new installment loan for the unpaid balance of the first loan plus the principal increase then give the client the check for the difference between the total principal of the new loan an
73. supersede these comments You should be very careful to make sure your company setup complies with all current Oregon and Federal regulations which are subject to change without AOCG being notified For leap years like 2004 Oregon requires the APR to be calculated on 366 days Oregon Title Loan Setup Interest rate we have seen ranges from 300 0096 to 522 8696 Please note that 521 4396 works out to 20 00 per 100 00 for 365 days and 522 8696 works out to 20 00 per 100 00 for 366 days in a leap year like 2004 If there is a Title Lien Fee and daily interest is being used the title lien fee normally 55 00 should be set up as a Fixed Rate with Initial and Financed checked and Recurring not checked This should not be entered on the line immediately below the Interest line but on the next line below line two is reserved for origination fees that convert to renewal fees and other special instances Assuming daily interest is being used the accrual period should be daily the max days should normally be 210 and the due date calculation will be either blank or default if the due date is to be changed in fixed 30 day periods or with payment if the next due day is to be 30 days from the day a client pays bringing his or her account current The maximum number of renewals is normally 6 and the minimum finance charge is normally 10 If using daily interest select an OR non installment contract For the receipt select Receipt3 or higher
74. sure that all loans receipts and other transactions for the day have been entered 2 Check the computer s cash drawer adjusted balance and make sure it agrees with the actual cash drawer Do not close the cash drawer at this time 3 Print the daily detail reports used by your company for closing and balancing Daily Transaction Report Daily Receipt Log Loan List etc 4 Print one of the various Daily Summary reports The example given here is for the Daily Summary Single Date Version Be sure the date chosen is the day being closed This date will normally default to the current system date Click the Refresh button which causes the form to be refreshed with up to date figures for the date in question Next click the Print button Do not click the Post button until all the figures on the Daily Summary have been verified Compare the Daily Summary cash section to the Cash Drawer Reconciliation Report and make sure the reports agree If the previous day s cash drawer was not closed correctly or if the beginning and ending dates and times on the cash drawer are incorrect it is possible for the reports to be out of balance It is also a good idea to compare the Daily Summary against the detailed reports such as the Daily Transaction Report and the Daily Receipt Log If your company balances the A R figures on a daily basis it would also be a good idea to compare the Daily Summary A R figures to the Loan List at this point If there are
75. to abort the installation process Once you are ready to continue the installation click the gt gt Begin lt lt button Copyright 2006 2009 Alpha Omega Consulting Group Inc 20 Title Loan Professional PLUS Help 3 7 3 8 Click the Begin button Overall Installation Progress Network Progress gt gt Begin lt lt Quit Overwrite Dialog If you have installed a previous version of the Title Loan Professional PLUS on your computer you may see this dialog asking whether to overwrite the previous installation Overwriting the installation is generally not recommended unless you are absolutely sure that you have a good backup of the database Backing up the database is covered later in this help file To proceed and overwrite the previous installation click the OK button have detected a previous installation of the program on this machine Overwriting this installation is generally not If you re ABSOLUTELY sure you know that you want to do this click OK to proceed and overwrite the rcm installation oe c Install Status You should see this dialog after pressing the gt gt Begin lt lt button This process may take a few minutes to complete Copyright 2006 2009 Aloha Omega Consulting Group Inc Installing the Title Loan Professional Plus Software 21 Uy Status Performing backup this may take a few minutes Overall
76. to calculate and re enter the interest and fees posted by the computer manually or you will have to allow the system to do the daily update before posting payments B Alternatively you can figure out what the transactions should be then edit each incorrect transaction by hand To edit a posted transaction you must have administrator access For each transaction follow these steps 1 Pull up the loan on the Current Loans tab 2 Find the transaction to be edited 3 Click on the date field for that transaction 4 Press Control E to enter Edit mode 5 When the computer says Edit Mode click OK 6 Edit the fields that need to be changed 7 When all changes have been made press F9 to recalculate and display the loan Copyright 2006 2009 Alpha Omega Consulting Group Inc 116 Title Loan Professional PLUS Help balance If you need to reprint a receipt change the amount for the receipt to zero using the steps above then enter a new transaction with the correct receipt date type and amount If all the loan information is correct the receipt should print correctly at this point Copyright 2006 2009 Aloha Omega Consulting Group Inc 118 Title Loan Professional PLUS Help 9 1 9 2 9 3 9 4 FAQ Frequently Asked Questions This area of Help will contain Frequently Asked Questions from customers regarding Title Loan Professional PLUS Can we backup at t
77. 06 2009 Aloha Omega Consulting Group Inc Day to Day Operations 83 Personal Employment incoene Vehicle CoApplicant Contacts Loans Notes Merchants SalesPersons Photo Management Picture 1 1 dd you hear about us First Name Staus Last Name Current Address Middle nial Address Date Of Bith Age 2 wy ff TT Seef z Ze Heowtogtrs 0 Previous Address New Account BiintLabel Tum Dorm Notice Client Lookup Data Verlication Sheet When you click the New Account button the window is cleared of all information and you are ready to type in information regarding the customer It is basic data entry You start at the Personal Tab then proceed to each additional Tab until you have all of the information your company requires for a loan Example Employment Income information if a title loan information on the Vehicle you may have a Co Applicant and you may want to enter several personal contacts of the customer Nene Personal Employment Income Vehicle CoApplicant Contacts Loans Notes Merchants SalesPersons Photo Management How did you hear about us Location No First Name Status Image Last Name z Curent Address Middle Inisi Avalibie 4 HomePhone Phone County State lt qe m 2 How Long Yrs D State I DL Expira
78. 06 2009 Alpha Omega Consulting Group Inc 92 Title Loan Professional PLUS Help The store closing procedure is as follows Please keep in mind that these are general instructions and your company may have policies and procedures not documented here The steps to close the day are 1 Make sure that all loans receipts and other transactions for the day have been entered If you close the day and later find unentered loans or transactions it is generally best to enter them the following day using the next day s date as the loan or transaction date If you don t do this you can lose date integrity For example suppose that you are three days into the current month CM with activity A B and C Your current month total activity CM is equal to the totals of days A B and C If however on day D if you start entering loans and transactions dated back to day A you cannot add up the previously printed and balanced reports for the first three days to the daily reports for the fourth day and get the correct monthly totals If you want your daily reports for the month to add up to the correct monthly totals you can t arbitrarily change the transaction detail for previously closed days This means that all new loans and transactions should be entered using only the current date and TLP new loan and transaction dates always default to the current system date so it s best not to change them Also once a day has been closed users s
79. 5 234 5678 615 456 9875 37013 615 345 6789 615 854 3214 Totals Hold Retumed Che 716 Vauxhall Dr Nashville TN 37221 615 662 9537 Bal 6 908 13 230 00 230 00 230 00 82 00 176 00 3 222 97 4 260 00 230 00 0 00 31 272 00 1 692 00 12 accounts 18 533 10 Copyright 2006 2009 Aloha Omega Consulting Group Inc 176 Title Loan Professional PLUS Help 14 14 1 Store Opening and Closing Procedures In this directory are the procedures to open and close the store properly Failure to follow these procedures can cause accounting issues and problems with the cash drawer balance Important Startup Messages If you get an error message that a file may have been moved renamed or is unavailable or inaccessible for any reason do not proceed If you change the database filename or pathname to an incorrect file you may end up working on a backup copy of your company s database or using a demo database or other invalid database If your computer cannot open the proper database you may have a network problem of some sort Always call AOCG if you receive any unusual messages when starting the program and please leave the message on the screen until you call us We can t help if you tell us a weird message came up We need to know the actual error message Thanks Opening the store for a new day 74 Closing the store at the end of the days Alpha Omega Consulting Group Inc
80. 7 Select Store Database eseseiieeeeeeesieeeeeeeees eee eeennnnn nena annus ssa nn ittm n nasa nnmnnn nna 180 Data Backup Procedure aaaasasewwnnnanan nane wwnn anana wwnnn anane ewan n nana inna ananas enn nnmnnn nnmnnn 180 Ru l iljllcc aaa 182 Search Options 184 Loan LOOKUP ie E 184 Advanced Search Na 185 Security 188 Cash Drawer Adjustment Type aaeeeenanannn nan ewnnnn anana wnan anan nne ewan n anana nnns anna ewangana nn annus 188 Transaction Types 189 Tools 192 lc cgpic p 192 Display nnne 193 Cash Advance Daily Deposit 193 Check R YIST N wana uu wu aaa NU Nu wae au wu wua aga awu NA Nu aa UN NAN 194 Database Upgrade mee 195 Index 196 Copyright 2006 2009 Aloha Omega Consulting Group Inc 10 Title Loan Professional PLUS Help 1 1 Alpha Omega Consulting Group Inc Company Info Thank you for using our software Alpha Omega Consulting Group Inc AOCG has been in business for over 30 years and we have over 650 customers using our p
81. 9 Alpha Omega Consulting Group Inc 94 Title Loan Professional PLUS Help 5 11 Summary cash section to the Cash Drawer Reconciliation Report and make sure the reports agree If the previous day s cash drawer was not closed correctly or if the beginning and ending dates and times on the cash drawer are incorrect it is possible for the reports to be out of balance It is also a good idea to compare the Daily Summary against the detailed reports such as the Daily Transaction Report and the Daily Receipt Log If your company balances the A R figures on a daily basis it would also be a good idea to compare the Daily Summary A R figures to the Loan List at this point If there are any discrepancies they should be resolved before the Post button is clicked 5 Once the reports above have been printed and balanced Use the Post button to post and lock in the Daily Summary figures 6 Go back to the Cash Drawer and make any adjustments for monies removed from the Cash Drawer or deposited to the Cash Drawer in preparation for the next day After all such adjustments have been entered and submitted be sure to check the cash drawer adjusted balance to make sure the transactions were entered correctly When and only when the cash drawer adjusted balance is correct click the Close Drawer button then close the cash drawer window 7 At this point go to File then to Logoff As soon as you log off the login dialog will ap
82. 9 00 Current 11 4 2004 500 00 Current 10 28 2004 15 2 Advanced Search This utility does a more comprehensive search of the database The fields are separated into categories A wild card can be used in place of characters in any of the fields making this a very powerful search tool You can display every client who lives on Elm St Elm St or whose last name ends in Z Z After narrowing down you search you can tell the system to display the Account Vehicle or Loan associated with the search result you select Copyright O 2006 2009 Alpha Omega Consulting Group Inc 186 Title Loan Professional PLUS Help pocourtNoff JletNene sn O Steet ess 7 ves use J fe C 1 Born Frederick Born Frederick Born Frederick Search 108 Hood Trail 413 90 6993 TL1 500 00 12345678901 23456 108 Hood Trail 413 930 6993 TL3 200 00 12345678901 23456 108 Hood Trail 413 90 6993 TL5 300 00 12345678901 23456 gt View Account View Vehicle View Loan Cancel Copyright 2006 2009 Alpha Omega Consulting Group Inc 188 Title Loan Professional PLUS Help 16 Security This section of the Title Loan Professional help file contains Cash Drawer Adjustment Type Employees and Transactions 16 1 Cash Drawer Adjustment Type By checking the appropriate box only the administrator can perform those adjustments
83. 9 II Neg DILE Met 154 16 Power of Attorney 2 156 Walldruda 157 18 Reminder to oaa ANAA NAHAN AAA NARA AA ANARA NAHAN 159 19 Repossession Letter 1 jcc ccscstetecscsdetacvcwdusacwaudes 160 20 Repossession Letter 2 162 21 Settlement Offer veces m 163 22 Title Key Receipt 165 23 VA Military 22 sescesstencceeersesdeesteccteccdesedeesseccdeeeceesdeerseecdenederresss 166 Part XII Miscellaneous 169 1 c cce 169 Part XIII Reports 171 1 Email Daily Reports 171 2 Clients with Multiple Loans 172 Copyright 2006 2009 Alpha Omega Consulting Group Inc VII VIII Title Loan Professional PLUS Help 3 Part XIV a N a Part XV 1 2 Part XVI 1 2 Part XVII a N LUNRelIljyrqe 173 Store Opening and Closing Procedures 176 Store Opening Procedure 176 Store Closing Procedure 2c nece eee cue cioe cea aee cse e cea cra eeu e ese wnnnn nana weng a esee recu 17
84. CE OF DEFAULT amp RIGHT TO CURE Date This Notice Mailed 1 13 2006 Lender Name Alpha Omega Consulting Group Inc Street Address 746 Vauxhall Dr Town State Nashville TN 37221 Telephone Number 615 662 9537 Loan Number TL1 Brief Description of Credit Transaction Title Loan Brief Description of Collateral Securing Loan 1997 Green Ford F 150 MIN IF TDXOTW2 VK B53465 AMOUNT NOW DUE 5 715 20 LAST DAY FOR PAYMENT 2 2 2006 You are late in making your payment s If you pay the AMOUNT NOW DUE above by the LAST DAY FOR PAYMENT above you may continue with the contract as though you were not late Ifyou do not pay bythe date we may exercise our rights under the law If you voluntarily surrender possession ofthe collateral above you could still ave additional money after the money received from the sale ofthe collateral is deducted from the total amountyou owe Copyright 2006 2009 Alpha Omega Consulting Group Inc Forms Letters Contracts Receipts 139 11 6 Late Letter You may print a Late Letter Simple click on the radio button of either Printer or Screen then using the Loan Number drop down select the Loan Number desired If you have selected Screen you may also send the document to the printer from this window amp Late Letter Print Report To Printer Screen Loan Number TL3 Jones Paula HH444 Alexander Bob HH614 Adeyemo Ishipoo Quicker Candy
85. Cash Advances Other Loans Reparts Fom Cash Advance All Customer Paid Accounts The Statements tab is not used in the State of Tennessee 4 21 8 Virginia Company Setup Virginia Company Setup Guide Here is the link to APR Calculations and Common Percentages s71 There is special company setup required for Title Loans done in states like Virginia which are done on a Motor Vehicle Equity Line of Credit MVELOC contract with an Average Daily Balance interest calculation Before setting up and using this option be sure to discuss the details with Alpha Omega The main setup fields that are different from the norm are Copyright 2006 2009 Alpha Omega Consulting Group Inc 72 Title Loan Professional PLUS Help The interest must be set up to match the interest on the MVELOC contract The Initial box should be unchecked and the Recurring box should be checked This is because the Average Daily Balance interest cannot be initially pre computed as it can with amortized and Ioan length accruals If you are charging an initial membership fee and a title lien fee you can set them up as separate fees or you can lump them together If you do not want to charge interest on these fees be sure that the Financed box is unchecked and that in the Transaction file the transaction categories are Fee not Principal If you do want to calculate interest on these fees the Financed box should be
86. Company Setup lolx The next section to configure is the Other Loans tab The Default Check Cashing Fee is at your discretion but is generally 3 00 or higher being the most common fee percentage You must then select a Check Cashing Agreement You should select Agreement3 in Tennessee Profit Per Money Order is a flat dollar cents profit per money order sold The Alternate Cash Advance Loan Renewal Minimum Finance Charge Parameters is not used in Tennessee and should be left blank Copyright 2006 2009 Alpha Omega Consulting Group Inc 70 Title Loan Professional PLUS Help Company Setup The next step is to configure the Reports Forms tab Default Loan Type the most common loans are Title Loans Cash Advances or Check Cashing Your Default Loan Type would be the type loan you issue the most We recommend that the Default Print Method be set to screen This will keep your users from wasting paper unnecessarily The Daily Summary YTD Totals should be set to the default settings The number of copies section should be left blank for 2 two copies or you may enter a number at your discretion for less than or more than 2 copies Copyright 2006 2009 Aloha Omega Consulting Group Inc Setting up your Company in Title Loan Professional Plus 71 Company Setup General Infomation Al Loans Tile Loans
87. Control 16 User Name 36 users 53 va 166 vehicle 143 Vendor 38 Virginia 51 166 Virginia company setup 71 Vista 16 Web Address 38 Windows 16 Windows user accounts 25 workstation 120 Writeoff 109 Write off 109 Writeoffs 109 Write offs 109 275 Zip 38 Copyright 2006 2009 Alpha Omega Consulting Group Inc
88. CustomerPayments 3 P nest 0 r fC 7 i e r RC Payment Customer Payments Jp 1 7 r x 2 RckPm Customer Paymerts 3 F x z Add Transaction Type 4 15 File Maintenance Title Loan Contract List Click on Menu item File Maintenance then Title Loan Contract List You must go here and first click the Select All button sro Now scroll through the list and uncheck any contracts that Ca ANG Omit From Dialog lE you want to appear when you select Save Print in the loans tab All contracts that DO NOT have a check mark in them will Pem 7 at print time ECE 7 Erse 2 JRzwWed 4 7 4 16 File Maintenance Type Loan Payments Copyright 2006 2009 Aloha Omega Consulting Group Inc 56 Title Loan Professional PLUS Help 4 17 4 18 ED Title Loan Payment Methods ceea Title Loan Payment Methods Description Default Terms Default Active ID Dee SSCS MR BslconM Month Parment Balkon Note F Balcon SM SemiMorth Payment BaloonNete weekbrFamert Balcone ConparySeupDetauts F 7 Biweeky Payment ActuanalAPR Payment Calculation SemiMonth Payment Actuarial APR Famer Codai Payment Actuaial APA PaymentCalouaton
89. Installation Progress Network Progress 3 9 Install Complete Once the Title Loan Professional Plus program has completely installed you will see these boxes with the option to click OK If Microsoft Access Runtime was installed on the computer you may need to restart Copyright 2006 2009 Alpha Omega Consulting Group Inc 22 Title Loan Professional PLUS Help 3 10 A Status Install complete Overall Installation Progress Network Progress Install complete Installation completed successfully Click to open your copy of Title Loan Professional Plus Please note if you had to install the access runtime on this machine you may need to restart the computer before Title Loan Professional Plus will run correctly opied yvoWoungercalvin pg to your system y 11 19 2008 12 37 58 PM Copied bbapi dll to your system 11 19 2008 12 37 58 PM Copied cougard dll to your system 11 19 2008 12 37 58 PM Copied titleloanprofessionalhelp chm to your system 11 19 2008 12 37 58 PM Copied vncviewer exe to your system 11 19 2008 12 37 58 PM Copied vnchooks dll to your system 11 19 2008 12 37 58 PM Copied winvnc exe to your system Login Screen After the installation is complete you can access the main login to Title Loan Professional PLUS by going to Start then All Programs then select the Title Loan Professional Plus p
90. Installment Loans estore fee to the default fee if a customer is past due oan length in days Enter 1 for due dates on the same day each month hange account status to to be repoed after how many days late ile Loan Contract TNS Contract Printer HP LaserJet 2300 Series F Resep z Renewal Recs Notice To Title Loan Borrower The next section to configure is the Cash Advances tab Cash Advance Length days should be set to 14 with the Max Length in days set to 30 You must also select a Cash Advance Contract for Tennessee TN1 through TN7 with the highest number being the most recent contract Renewal Receipt can be left blank uses default receipt or you can select a Renewal Receipt at your own discretion Next you must decide if you will be using the program to print Cash Advance checks If you desire to have the program print checks you must have laser checks compatible with our software Call AOGG if you are looking for a vendor for checks If you have decided to let the software print checks put a check mark after Print Checks for Cash Advances The next selection is Print Privacy Notice If you put a check mark here a Privacy Notice will be printed with the Cash Advance Contract Everything else on the Cash Advances tab should be left blank Copyright 2006 2009 Alpha Omega Consulting Group Inc Setting up your Company in Title Loan Professional Plus 69
91. K HERE to view a complete listing of contracts letters forms reports and receipts automatically generated by Title Loan Professional Plus Alpha Omega Consulting Group Inc Tel 615 662 9537 Md Pex C15 941 0374 Email sales aocg com ACH Authorization Selecting this option permits the user to select a Loan Number from the database and create an Authorization Agreement for Preauthorized Payment You may send the report to the Printer or to the Screen as shown in Example A You may select a Loan Number by using the drop down as shown in Example B below The authorization is shown in Example C Example A Example B 10 xi Print Report To C Printer Screen Loan Number OK Copyright 2006 2009 Alpha Omega Consulting Group Inc Forms Letters Contracts Receipts 133 Example C ACH Authorization AAuthorization TLK2Z Report Alpha Omega Consulting Group Inc AUTHORISATION AGREEHENT FOR PREAUTH RIZED PAYHENT 1 IP YOU AUTHORIZE Alpha Omega Consulting Group Inc OR OUR SERVICERS TO MITGMATICALLY WITHORMY LOAM PAYMENTS n ACCOUNT IDENTIFIED BELOW lEROSIT ACCOUNT YOU PILL YOUR EK Wee IT KEA MO AMD DEPOSIT ACCOUNT WUMEER IM ITEMS Gh AMD BELOW AMO 81 WHERE EY THE X EELOW 3 WOU AUTHORIZE Alpha Omega Consulting Geowp Iac OR OUR SEM ICERS 10 COWIACI YOU AT WORK HOME TIME UP 10 3 00 YOU
92. Loan Number TL145 Adams Money TL8 Adams Money TLS Adams Money TL3 Jones Paula TL1 Johnson Ron TL2 Smith Henry TL Adams Money TLG Yusuf Mike The Notice to Cure Default 1 is as shown below Copyright 2006 2009 Alpha Omega Consulting Group Inc 146 Title Loan Professional PLUS Help le Loan Professional PLUS Late Letter Aipha Omega Coniulting Group ne 716 vauthall Dr Nani TN 57221 615 662 5557 NOTICE TO CURE DEFAULT 1 13 2006 Ron Johnson 507 Testing St Nashville TN 37013 Account TL1 Amount Now Due 35000 Last Day For Payment 177 2004 You are late making your payment s If you pay the AMOUNT NOW DUE above by the LAST DAY FOR PAYMENT above you may continue with the contract as though you were notlate If you do not pay by that date we may exercise rights underthe law If you voluntarily surrender possession of the following specified collateral you could still owe additional money after the money received from the sale ofthe collateral is deducted from the total amount you owe Year Make Modd MIN 1997 1FTDXD7W 2VKB53465 Sincerely Manager The Notice to Cure Default 2 is as shown below Copyright 2006 2009 Aloha Omega Consulting Group Inc Forms Letters Contracts Receipts 147 Ile Loan Professional PLUS N e Default Omega Coniuling Group nc T 16 Vauehall TN 37221 G15 662 9557
93. MPTROLLER OF THE CURRENCY AND THE OFFICE OF THRIFT SUPERVISION PLEASE REFER BELOW FOR MORE INFORMATION YOUR RIGHT TO FINANCIAL PRIVACY YOU HAVE THE RIGHT TO KNOW THE PRIVACY POLICIES AND PRACTICES OF THE FINANCIAL INSTITUTIONS YOU DO BUSINESS WITH IN RESPECT TO INFORMATION SHARING WITH AFFILIATED AND N ON AFFILIATED THIRD PARTIES THIS NOTICE DESCRIBES THE PRIVACY POLICIES AND PRACTICES OF OUR COMPANY CATEGORIES OF NON PUBLIC PERSONAL INFORMATION WE COLLECT INFORMATION WE RECEIVE FROM YOU ON APPLICATIONS OR OTHER FORMS INFORMATION ABOUT YOUR TRANSACTIONS WITH OUR AFFILIATES OR OTHERS AND INFORMATION WE RECEIVE FROM A CONSUMER REPORTING AGENCY CATEGORIES OF NONPUBLIC PERSONAL INFORMA TION WE MAY DISCLOSE TO NONA FFILIATED THIRD PARTIES WE DO NOT SHARE ANY NONPUBLIC PERSONAL INFORMATION ABOUT OUR CUSTOMERS OR FORMER CU STOMERS WITH NONAFFILIATED THIRD PARTIES EXCEPT WHERE PERMITTED BY LAW CATEGORIES OF NONPUBLIC PERSONAL INFORMA TION WE MAY DISCLOSE TO SERVICE PROVIDERS AND JOINT MARKETERS WE MAY DISCLOSE YOUR NAME AND ADDRESS TO NONAFFILIATED THIRD PARTIES WITH WHICH WE HAVE JOINT MARKETING AGREEMENTS SUCH AS THIRD PARTIES THAT PERFORM MARKETING ON QUR BEHALF WE WILL ONLY DISCLOSE TO COMPANIES WITH WHICH WE HAVE A CONTRACT STATING THE INFORMATION WILL NOT BE DISCLOSED TO ANY OTHER COMPANIES OR INDIVIDUALS CONFIDENTIALITY AND SECURITY WE RESTRICT ACCESS TO NONPUBLIC PERSONAL INFORMATION ABOUT YOUTO THOSE EMPLOYEES
94. R LOCAL TIME YOUR LOW 4 WOU REPRESENT THAT YOU HAVE MOT FILED POR EAWXHUPICY IN THE LAST YEAR AMD HAVE WO PRESET INTEWTIONS OF DOING 0 5 UEMAND UPON DEPAULT If you becak any of the covenants oc ccpecaentationa contained within thia Ajecement we Way accelecabe thia loan amd demand that you immediately pay all anouta due and owing Theludiag but aot limited to peincipal intereat am fees You agree to waive notice of intent ta demand oc actual demand foc immediate payment of the accelerated Balance 6 EY SIQUINZ EBLOW YOU MITHORISE Alpha Omega Canaulting Geoup Inc ue a cviceca wyenta to initiate ane oe ACH debit eatciea foe example at ove optian one debit entey Way he initiated foc the Principal a the loan and an tlec foc the finance chacye to youe Deposit Account indicated below foc any scheduled payment that comes duc with cegacd to the loan foe which you ace applying the Depasitocy Institution named below called ERN will ceceive amd debit such entcies to youe Deposit Account This Juthocizatian Myecement docs not conatitute a aecucity intereat in oe the Deposit Account but ia mecely youe authorization foc v c ove ageviceca to debit Ehe account A Bank Nama B Tranait ABA Wa C Dapasit Account Na 7 hia Juthocizatian becames effective at the time we funi the loan foe which you ace applying and will in full focce and effect until we have ceived weitt
95. Startup Messages If you get an error message that a file may have been moved renamed or is unavailable or inaccessible for any reason do not proceed If you change the database filename or pathname to an incorrect file you may end up working on a backup copy of your company s database or using a demo database or other invalid database If your computer cannot open the proper database you may have a network problem of some sort Always call AOCG if you receive any unusual messages when starting the program and please leave the message on the screen until Copyright 2006 2009 Aloha Omega Consulting Group Inc Day to Day Operations 75 you call us We can t help if you tell us a weird message came up We need to know the actual error message Thanks 5 2 Adding a new client customer in To enter a new client account Click the New Account button in the bottom left corner of the screen The cursor will then go to the account number field If you leave it blank the system will later ask you if you want an account number assigned automatically The fields in red are required fields They must be populated before going to the next Tab The rest is just basic data entry until you get to the Loans Tab m Client file Current user is admin Po turntBaane 80001 ome Phone Credit Limit J ell Phone fBeiveAccomts Client Since 11 17 2008fAccount Number Account Stat
96. TL1 Johnson Ron TL2 Smith Henry CA294 Garcia Patty CA169 Alexander Mike The Late Letter is as shown below Copyright O 2006 2009 Alpha Omega Consulting Group Inc 140 Title Loan Professional PLUS Help amp Title Loan Professional PLUS Late Letter 1 Edit Reports FormsiLetters File Maintenance Security Tools Window Help i 6 0088 Alpha Omega Consulting Group Inc 746 Vauxhall Dr Nashville TN 37221 615 662 9537 DATE 12132006 Ron L Johnson Ui Testigst Nas hulle TN 31013 Dear Ron L Johnson PAYMENT ON YOUR LOAN TRANSACTION WAS DUE ON 12 8 2003 THIS ACCOUNT 15 NOW DELINQUENT PLEASE IN IMVEDIATEIL Y TO BRING THIS ACCOUNT UP TO DATE SO THAT OUR RELATIONSHIP MAY CONTINUE IT IS IMPORTANT THAT YOU CONTACT US IMVEDIATELY VERY TRULY YOURS 11 7 No Liens Letter You may print a No Liens Letter Simple click on the radio button of either Printer or Screen then using the Loan Number drop down select the Loan Number desired If you have selected Screen you may also send the document to the printer from this window Copyright 2006 2009 Aloha Omega Consulting Group Inc Forms Letters Contracts Receipts 141 E No Liens Letter Print Printer Screen TL145 Money Adams Money Adams Money Jones Paula Johnson Ron Smith Henry Adams Money Yusuf Mike Alpha Omega Consulting Group In
97. TS E Y 3000 rase Can none 127287208 Tar SU Mee EEA E A E E E S00 00 prse atin TZZS2DOBAdminissor Veded T2 2 20081 s000 12 29 2008 Description Expense XX amp Account Filter _ g Current Balance 0 00 17 5 Database Upgrade The Database Upgrade should be run twice whenever TLP is updated to a new version of the program Always call AOCG for assistance installing program updates do not attempt a program update without first calling AOCG because if this is done incorrectly data loss may result Also you should always have current backups before updating TLP Immediately after installing the program update with AOCG s assistance run TLP go to the Tools menu and do the Database Upgrade twice Company Setup Cash Drawer Money Order Entry Miscellaneous Transaction Entry Miscellaneous Payment Entry Sales Quote Quote Screen Check Cashing Sign Off Screen CA Daily Deposit Check Register Teletrack Inquiry ACH Export Pawn Power Export Withholdings Import Due Date Exclusion Required Fields Upgrade Database Y Copyright O 2006 2009 Aloha Omega Consulting Group Inc 196 Title Loan Professional PLUS Help Index A access 120 account 119 Account Control 16 Account status 103 Accounts 98 Accounts and loans 97 ach 122 132 ACH dep
98. You may be able to get your vehide back You have the right to recover the vehicle ifyou do the following within twenty one 21 days of the date ofthe repossession on or before 2 2 2006 1 Pay offthe loan in the amount of 1 000 00 and 2 Pay the costs of repossession in the amount of 75 00 The total amount due is 1 075 00 Bring cash certified check or money order forthe total amount now due plus any additional amounts which may become due between the date of this notice and the date of the payment to Alpha Omega Consulting Group Inc 716 Vauxhall Or Nashville TN 37221 on or before 2 2 2006 to get your vehicle back Even if you do not take the necessary steps to claim your vehicle you will need to obtain your personal belongings from the vehicle at the above address on or before 2 2 2006 A private sale of the vehicle may occur after 2 2 2006 Very truly yours Alpha Omega Consulting Group Inc D Copyright 2006 2009 Alpha Omega Consulting Group Inc Forms Letters Contracts Receipts 145 11 10 Notice to Cure Default 1 2 amp 3 You may print a Notice to Cure Default Simple click on the radio button of either Printer or Screen then using the Loan Number drop down select the Loan Number desired If you have selected Screen you may also send the document to the printer from this window amp Report Criteria Print Report To C Printer Screen
99. ail the selected Daily Reports you must be using Microsoft Outlook as your e mail client Outlook Express will not work Active X component can t create object If when running TLP you get an error message like ActiveX component can t create object or if you can t use the Select Store Database dialog after you select the file to open the dialog doesn t reappear and you get an untitled window with only the options File Window and Help you may have two different versions of Access or Microsoft Office installed on the same computer A simple solution is to set up a shortcut for TLP that tells Windows exactly which version of the Microsoft Access runtime to use This can be done by browsing to the correct MSACCESS EXE runtime file which is normally in the folder C Program Files Common Files Microsoft Shared Access Runtime Office10 and right clicking the MSACCESS EXE file the EXE extension may not be displayed in which case the filename will be MSACCESS After right clicking the file select Send To then select the Send To Desktop create shortcut option Next go to the Windows desktop find the shortcut right click the shortcut select Properties then on the Shortcut Tab change the Target field to read C Program Files Common Files Microsoft Shared Access Runtime Office1 0 MSACCESS EXE Runtime C Program Files Title Loan Professional PLUS titleloan2k mdb Please note that this is one long text line with the only spaces being befor
100. ant to make sure your backup files are accessible and can be restored when necessary Example backup session On the computer hosting the TLP data go to My Computer Note the drive letters of the local hard drive and the backup drive In this example the local hard drive is C and the backup drive is a CD RW drive D Double click on the local hard drive icon C Browse down to the Program Files folder and double click it Browse down to the Title Loan Professional PLUS folder and left click it to give it focus Right click on the highlighted Title Loan Professional PLUS folder Select Send To from the menu Select the destination drive which in this example is the CD RW drive D What happens next depends on the version of Windows being used whether the CD has pre existing files on it whether the CD has room to save the files being copied and whether your computer uses special software or a wizard to burn CDs It is always a good idea to check the CD once the backup has been made to make sure the correct folder was copied and that the file titleloan2k be mdb in the Database folder has the current system date If it doesn t you either backed up the wrong folder or the current database is in the wrong folder or the backup didn t work correctly If any of these is the case it is imperative that you determine the problem and make sure that you have a good backup It is also a good idea to make sure that you can restore files from your backup CDs
101. any discrepancies they should be resolved before the Post button is clicked 5 Once the reports above have been printed and balanced Use the Post button to post and lock in the Daily Summary figures 6 Go back to the Cash Drawer and make any adjustments for monies removed from the Cash Drawer or deposited to the Cash Drawer in preparation for the next day After all such adjustments have been entered and submitted be sure to check the cash drawer adjusted balance to make sure the transactions were entered correctly When and only when the cash drawer adjusted balance is correct click the Close Drawer button then close the cash drawer window 7 At this point go to File then to Logoff As soon as you log off the login dialog will appear Do not log in Instead click the Cancel button and the program will close Do not restart the program until the next day and then be sure your computer system date and time are correct before restarting the program Restarting the program incorrectly will cause a new cash drawer to be opened and if there are two cash drawers with the same date the cash beginning balance on the Daily Summary and other reports may be wrong The computer cannot have two different beginning balances for the same day After you have done step number 5 above you should always do the remaining steps in order log off and close the program If any additional loans or transactions need to be entered they should be enter
102. as shown below amp Title Loan Professional PLUS Reminder to Borrower 18 File Edit Reports Forms Letters File Maintenance Security Tools Window Help asw ale AFFIDAVIT TO DEFENSE OF THE CREDITOR Fon si TH FO Mer 1897 Fort VIN ETUNG RSE 1 Ron L Johnson hereby swear that have a bona fide defense to the application of Alpha Omega Consulting Group Inc for the transfer of Title and issuance of a new Certificate of Title to the above referenced vehicle which was repossessed from me on The defense claimed is as follaws I further state that redizeif my defenseis invalid may be liable to the creditor forthe costs incurred bythem because of the invalidity of my defense THIS AFFIDAVIT OF DEFENSE SHALL BE MAILED BY CERTIFIED MAIL TO THE CREDITOR AND MUST BE RECEIVED BY THE CREDITOR WITHIN 21 DAYS FROM THE DATE SHOWN IN THE LAST PARAGRAPH OF THE NOTICE OF INTENT Copyright 2006 2009 Alpha Omega Consulting Group Inc Forms Letters Contracts Receipts 135 11 3 Affidavit of Fact If your company is located in Tennessee you can print an Affidavit of Fact Simple click on the radio button of either Printer or Screen then using the Loan Number drop down select the Loan Number desired If you have selected Screen you may also send the document to the printer from this window amp Affidavit Of Fact Print Report To Printer S
103. awer You must select a Cash Drawer before you can Login Copyright 2006 2009 Alpha Omega Consulting Group Inc 24 Title Loan Professional PLUS Help TITLE LOAN PROFESSIONAL LOGIN User Name ron Password pese Cash Drawer Drawer 1 Drawer Blanc Note uen eme If Title Loan Professional Plus has been setup to use the Cash Drawer balance from the previous days closing you will see the balance from the previous day displayed for the selected Cash Drawer TITLE LOAN PROFESSIONAL LOGIN User Name admin Password Cash Drawer Drawer 1 M 3 10 3 Notes If desired or required by management you can type a note into the notes field regarding the cash drawer Copyright 2006 2009 Alpha Omega Consulting Group Inc Installing the Title Loan Professional Plus Software 25 TITLE LOAN PROFESSIONAL LOGIN User Name ron Password e Cash Drawer Drawer 1 Drawer Balance 220 00 Note prawer 1 appears to be short 5 00 Note This not a required entry 3 11 Windows User Accounts Install Title Loan Professional as a computer administrator If you are not sure if you are logged in as and administrator go to Start then Control Panel then double click the Users icon You can view user credentials here You can create additional user accounts from this screen and change current user accounts Windows XP and Windows Vista are shown below
104. ayment if the customer has not paid all the principal payment that they should you will receive a warning message Minimum Loan Amount Only applies if you have a certain amount you don t want to loan less than Otherwise leave blank Maximum Loan Amount Only applies if you have a certain amount you don t want to go over Otherwise leave blank Some states like Tennessee have a limit you can t go over 2 500 00 Display past due principal with each installment loan payment If you wantto see the Past Due Principal with each installment loan payment this must be checked If you do not want to see the Past Due Principal with each installment loan payment this must be unchecked Convert outstanding interest to principal at the end of each term Non Installment Loans This is not allowed in most states Restore fee to the default fee if a customer is past due Unchecked Require a minimum payment starting with renewal number If you renewal number where you wantto start requiring a minimum Copyright 2006 2009 Aloha Omega Consulting Group Inc 46 Title Loan Professional PLUS Help payment enterthe number Loan length in days Enter 1 for due dates on the same day each month When in doubt 30 Some states you can enter 1 to keep payments the same date The number must be legal in your state Change account status to to be repoed after how many days late If you don t want the program to change
105. balance is correct click the Close Drawer button then close the cash drawer window 7 At this point go to File then to Logoff As soon as you log off the login dialog will appear Do not log in Instead click the Cancel button and the program will close Do not restart the program until the next day and then be sure your computer system date and time are correct before restarting the program Restarting the program incorrectly will cause a new cash drawer to be opened and if there are two cash drawers with the same date the cash beginning balance on the Daily Summary and other reports may be wrong The computer cannot have two different beginning balances for the same day After you have done step number 5 above you should always do the remaining steps in order log off and close the program If any additional loans or transactions need to be entered they should be entered the following day using the next day s date 8 Once the program is closed you should immediately back up the program and data On most systems this can be done by backing up the following folder on the computer that hosts the database the server C Program Files VTitle Loan Professional Plus however some companies for internal reasons may elect to store the program and data elsewhere To verify that you are backing up the correct data you can check the last modification date on the main database file The full name of this file is titleloan2k be mdb the mdb extens
106. balance plus any unpaid fees and interest from previous periods is the If you are in one of th e above isted states or have minimum payment Previous Period adds all interest and fees charged during the current period plus any unpaid interest and fees from previous periods This balance or the account balance if it is less than interest and fees contacted AOCG and had Statements configured charged for the period is the minimum payment Previous Period_ for yo ur state you wi 11 to set th e followi ng Payoff Method Average Daily Balance_ gt 2 Enable grace period for each cash advance setti ngs Grace period in days Use statement payment due as the system minimum payment Create statements for all title loans Should 2 you want to use Statement Message Leave blank to use the default message Have a Merry Fucking Christmas checked Initial statement due date will be the loan date plus how many days This should be 15 Do not use a number 30 or higher since it will confuse the program It should be under 25 Initial statement Minimum Payment will be all fees due plus what percentage of the principal balance This will normally be 0 00 Be sure and include the 96 sign Subsequent statement due dates will be the system due date plus how many days Normally the loan cycle will be based on the loan length in days in the Title Loan setup The normal entry here
107. be checked On the second line the amount will be 0 00 the description will be either blank or Origination Fee the type will be blank and the initial recurring and financed boxes will all be unchecked and the recurring description will be either blank or Renewal Fee Because the second line amount is zero it will not cause fees to be posted to the account Line two is normally used for Copyright 2006 2009 Aloha Omega Consulting Group Inc Setting up your Company in Title Loan Professional Plus 61 4 21 4 special instances For example in Tennessee it is used for recurring renewal fees and in South Carolina it is used for title lien fees that are added to the loan amount but which do not appear as separate transactions For a title lien fee which does appear as separate transaction we will use the third line which will have an amount of 13 50 a description of Title Lien Fee a type of Fixed Rate and the initial and financed boxes will be checked while the recurring box will not be checked The third line tells the computer to charge an initial title lien fee of 13 50 and to finance it which means the interest will be calculated on the loan amount plus the title lien fee Once the Title Loan Parameters have been changed save the settings by click the close button the X in the right hand corner of the company setup window If the computer asks if you want to save the changes tell it Yes To ent
108. be blank the Accrual Period in the next column to the right should be set to Loan Length the Max days should be blank and the Due Date Calc should be set to Default by using the drop down arrow Below this you will see Min Renewal Payment Fees Plus This field should contain 5 0096 of Copyright 2006 2009 Alpha Omega Consulting Group Inc Setting up your Company in Title Loan Professional Plus 67 Original Loan Amount for Tennessee Starting with renewal no 3 Under the Alternate Interest and Fees Section you should go down to the line Loan length in days Enter 1 for due dates on the same day each month or enter 30 for a standard month Next is Change account status to to be repoed after how many days late this should be set to 99 The next line to change account status for repossession is self explanatory The general number of days is 4 for most store operators in Tennessee The next line is where you can select which TN contract to use there are several to choose from so pick the contract that works best for your company The next line is the receipt type so again pick the one that works best for your company The next line has a box to check if you want to print checks for your title loans If you do want to print checks there is a option on the Company Setup General Information screen to install a electronic signature to print on your checks Call Alpha Omega to discuss this option
109. c 716 Vauxhall Dr Nashville TN 37221 615 662 9537 Date 12 13 2006 As an inducementto Alpha Omega Consulting Group Inc to make me a loan on 1897 YEAR Ford MAKE AFTD XO7W2VKB53465 VIN certify that there are no liens on this vehicle and that one else has any interest in this vehicle surrender the tile and the keys to this vehicle as security for my loan Customer Copyright 2006 2009 Aloha Omega Consulting Group Inc 142 Title Loan Professional PLUS Help 11 8 Notice of Intent to Debtor You may print a Notice of Intent to Debtor Simple click on the radio button of either Printer or Screen then using the Loan Number drop down select the Loan Number desired If you have selected Screen you may also send the document to the printer from this window amp Report Criteria Print Report To C Printer Screen Loan Number TL145 Adams Money TL8 Adams Money TLS Adams Money TL3 Jones Paula TL1 Johnson Ron TL2 Smith Henry TL Adams Money Yusuf Mike The Notice of Intent to Debtor is as shown below Copyright 2006 2009 Alpha Omega Consulting Group Inc Forms Letters Contracts Receipts 143 amp Title Loan Professional PLUS Reminder to Borrower et Es eee Sore ee eee i 6 0088 NOTICE OF INTENT TO THE DEBTOR REI 3o The Cerat of Tite tothe 1997 Fo
110. c states Please keep in mind that these are simply suggestions and that it is your responsibility to make sure that all loans you make comply with all Federal State and Local regulations Alpha Omega Consulting Group Inc Tel 615 662 9537 Fax 615 751 9975 Email sales aocg com California Company Setup California Company Setup Guide Here is the link to APR Calculations and Common Percentages 571 From discussions with multiple operators in California we understand that cash advances in California are done on a flat rate basis with a maximum interest fee of 15 of the principal amount regardless of loan length which cannot exceed 30 days This means that you should not allow the program to charge additional interest if a cash advance is paid late It is our understanding that some California operators reduce interest for early payments and some do not We assume this is a matter of choice and that there is no rule prohibiting such discounts but we recommend that you check with the state of California to verify this Mississippi Company Setup Mississippi Company Setup Guide Here is the link to APR Calculations and Common Percentages 571 Please note that the guidelines below are simply comments about how we have seen a Mississippi Copyright 2006 2009 Alpha Omega Consulting Group Inc 60 Title Loan Professional PLUS Help 4 21 3 client set up their TLP for their company and Missis
111. ce industries This makes it a very functional program without a lot of hard to use features that have nothing to do with what your company needs e The demo version of the program allows you to create up to five client accounts The demo opens to the Client file The tabs are arranged in the order in which information should be entered into the system to create a loan 1 2 Printing the Manual or this Help File From the Title Loan Professional Plus main menu click on help then select Title Loan Professional Plus Help to open the help file There will be a Print button at the top of the help screen Press the Print button and the Print dialog will open Print Topics You can print the selected topic or all the topics in the selected heading What would you like to do Print the selected topic C Print the selected heading and all subtopics coe You can choose to print only the topics you have selected or print the selected heading and all subtopics To print the entire help file you would select the first heading of Title Loan Professional Plus Help then select print and choose the Print the selected heading and all subtopics option Title Loan Professional Plus Manuals amp Help Files You must have an internet connection for the below listed features to work properly js Adobe PDF Platform independent PDF format Open a printable Title Loan Professional Plus Manual in your browser SA
112. chine Please answer these questions below If you are in doubt about any of these settings please call Alpha Omega Consulting Group at 866 802 5742 Role Setup This machine will be the host Standalone Next gt gt Next you will choose the History of the Title Loan Professional installation If you are unsure contact the owner the system administrator or call Alpha Omega Consulting Group at 866 802 5742 Once you have made a selection click the Next gt gt button to continue Copyright 2006 2009 Alpha Omega Consulting Group Inc 30 Title Loan Professional PLUS Help lt lt Back The program needs to know if you have ever installed a previous copy of Title Loan Professional Plus If you are unsure please contact the owner the system administrator or call Alpha Omega Consulting Group at 866 802 5742 History This is NOT the first time the program has been installed This is the First time the Program has been installed Next gt gt In the next screen you can select where to install Title Loan Professional and where to put the backups of your database You can leave these options set to the default path or for advanced users of the program you can customize the installation and data backup paths Once you are ready to proceed click on the Next gt gt button lt lt Back Where would you like to install Title Loa
113. creen TL145 Money Adams Money Adams Money Jones Paula Johnson Ron Smith Henry Adams Money Yusuf Mike The Affidavit of Fact is as shown below 2 Title Loan Professional PLUS rptAffidavitofFact Report File Edit Reports Forms Letters File Maintenance Security Tools Window Help w amp pm ae F m ala AplaOmegaConse Group ho 116 Vanxtall Dr Nastulle TN 3221 AFFIDAVIT OF FACT This affidavit isto verify that the two names in question AND NAME ON DRIVERS LICENSE NAME ON TITLE are one in the same SIGNATURE STATE OF TN COUNTY OF SUBSCRIBED AND SWORN BEFORE ME THIS DAY OF SEAE NOTARY PUBLIC MY COMMISSION EXPIRES Copyright 2006 2009 Aloha Omega Consulting Group Inc 136 Title Loan Professional PLUS Help 11 4 EFT Authorization Form You may print an EFT Electronic Funds Transfer Authorization Simple click on the radio button of either Printer or Screen then using the Loan Number drop down select the Loan Number desired If you have selected Screen you may also send the document to the printer from this window 185 Print Repot C Printer Screen Loan Number TL145 Adams Money TL8 Adams Money TLS Adams Money TL3 Jones Paula Johnson Ron Smith Henry Adams Money Yusuf Mike The EFT Electronic Funds Transfer Authorization is as shown below Copyright 2006 2009
114. creen again after this operation is complete Login as usual a begin using the program paying attention to recently entered data or customers being available and correct Please keep in mind that if the store database is networked and is not located on your computer the steps above will be similar but you have to start from a networked disk drive rather than the local disk drive If you identify the wrong database file and key in data major problems may result If you re not absolutely sure where your store database is stored and what it is named please call Alpha Omega for technical support If during the installation of TLP you get a message like The system could not locate C username 1 Where username is part of a recognizable name of someone with a login on the computer in question it is possible that you have a password or security issue Cancel the installation of TLP and try installing it after logging in under a different user login or better yet log in as the Windows system administrator before attempting to install TLP If after a program upgrade you get an error message in the Select Store Database dialog like Expression may not result in the name of a macro The new program file may have a read only attribute set that will not allow the program to be opened with the required read write access To correct this first close TLP then go to My Computer on the computer hosting the program find the file C Program Files Titl
115. ctivity A B and C Your current month total activity CM is equal to the totals of days A B and C If however on day D if you start entering loans and transactions dated back to day A you cannot add up the previously printed and balanced reports for the first three days to the daily reports for the fourth day and get the correct monthly totals If you want your daily reports for the month to add up to the correct monthly totals you can t arbitrarily change the transaction detail for previously closed days This means that all new loans and transactions should be entered using only the current date and TLP new loan and transaction dates always default to the current system date so it s best not to change them Also once a day has been closed users should not log back into the program that day Instead after the day is balanced and closed the user should wait until the following day to log in and all new loans and transactions should be dated the following day 2 Go to Tools then Cash Drawer then View Cash Drawer Check the computer s cash drawer adjusted balance and make sure it agrees with the actual cash drawer If the computer s balance is incorrect look for obvious things like funds that were received from clients and not entered into the computer or loans that were made and not entered into the computer Do not press the Close Drawer button at this time even if the drawer seems to balance If the drawer is not in balance you may want
116. d a previous copy of Title Loan Professional Plus If you are unsure please contact the owner the system administrator or call Alpha Omega Consulting Group at 866 802 5742 History This is the First time the This is NOT the first Program has been time the program installed has been installed lt lt Back Next gt gt 3 5 Installation Step 3 In step 3 you ca n choose where to install Title Loan Professional Plus You can select the path to store backups of your data AOCG recommends leaving the installation path of the program at the default unless you are an advanced user with a thorough understanding of the way computers process information Copyright 2006 2009 Alpha Omega Consulting Group Inc Installing the Title Loan Professional Plus Software 19 Click Next gt gt to continue the installation process Where would you like to install Title Loan Help Professional Plus Help Browse C program files Title Loan Professional Plus Advanced Section Where would you like to place backups of your data Help Browse CA A4OCG Tech Configuration Complete Click install below Support to install your copy of Title Loan Professional 855 802 5742 Plus Thank you for your business lt lt Back Next gt gt 3 6 Installation Step 4 At this step you are ready to start the installation You can go back if you need to correct the configuration or quit if you need
117. d the due date calculation will be either blank or default if the due date is to be changed in fixed 30 day periods or with payment if the next due day is to be 30 days from the day a client pays bringing his or her account current or buying days if the payment is divided by the daily interest amount to determine how many days have been bought with the payment Alternate interest renewals and special minimum payment calculations do not apply to SC and these Copyright 2006 2009 Alpha Omega Consulting Group Inc 64 Title Loan Professional PLUS Help 4 21 7 fields should be left blank For the contract select SC3 Installment Capable unless you prefer one of the lower numbered SC contracts these contracts should not be used with installment loans however Although you would not normally select it as the default contract there is an SC4 Spanish contract which is available when needed on a loan by loan basis This is a Spanish version of the SC3 Installment Capable contract For the receipt select Receipt3 or higher Some clients find Receipt3 confusing when used with daily interest so you may want to use Receipt4 or higher If you are doing installment loans we have been told that SC auditors require the payoff figure as of the date of the payment to be shown on the receipt in which case you should use Receipt4 Tennesse Company Setup Tennessee Company Setup Guide Please note that t
118. d the unpaid balance of the first loan For instance a client has a loan with 500 principal and accrued interest through the 30th of the month of 100 please keep in mind the scheduled payment amount will be higher than 100 because each Copyright 2006 2009 Aloha Omega Consulting Group Inc Accounts and Loans 103 6 8 6 9 installment payment includes principal If the client wants to up the loan principal on the 15th of the month the steps would be a First decide if the current interest and fees due will be paid by the client in which case only the principal of the loan will be carried forward In some states it may be illegal to convert unpaid interest to principal and it is your responsibility to know this and handle the transaction correctly It is safest to ask the client to pay the current interest due before the loan is paid off a Call up the current loan on the Current Loans tab click on Additional Information make sure the payoff date is correct confirm the payoff amount is correct and carefully confirm that the client does indeed want to pay off the current loan and take out a new loan with the principal increase The difference between the current principal on the loan and the payoff amount should be the current interest and fees due but please check to be sure If the client is paying the interest and fees due take the payment from the client then go back to the Payoff section of Additional
119. d workstation Click Here 281 How dol take a payment on an inactive non interest accruing loan If a loan is not accruing interest you can still apply payments to the loan regardless of the loan status Just compose the payment transaction as usual press the Submit button and make sure the loan balance is correct after the payment has been applied If a loan has been written off and the loan balance is zero your accountant may have to be consulted as to how the payment is to be applied If the loan balance is zero and the monies lost have been written off your company s taxes the payment might have to go to a special G L account such as Collection of Bad Debt In this case you might not even key the payment into our system but directly into your G L as a separate deposit If you do want to enter the payment into our system you might need to do a negative write off to restore part of the principal but your accountant will need to be informed or your company s G L financial statements and taxes might be wrong If you have any questions about taking payments on loans with zero balances you might want to arrange a conference call between Alpha Omega your accountant and anyone in your company with input into the decision How do install the electronic signature file How do install the electronic signature file A You should save the electronic signature file in the Program Files Title Loan Professional PLUS folder Then w
120. e Loan Professional PLUS titleloan2k the filename may be shown as titleloan2k mdb depending on whether filename extensions are displayed on the computer in question Do not select any similarly named file there should be no characters after titleloan2k other than mdb files with similar names are most likely backup files Right click on the titleloan2k file select Properties and uncheck the Read Only check box then Apply the change then click Okay Now try to run TLP again and if the error message is not given again the problem is solved Don t forget that if TLP was updated you need to go to the Tools Menu and do the Database Upgrade For more information see the section titled Database Upgrade Error Message Requires NT Service Pack 6 or higher If you get an error message that Office or Access requires NT Service Pack 6 or higher your system may be missing a DLL that is included with some versions of Windows but not with all versions of Windows You may need to install a DLL file called dbmsadsn dll This file will go in one of the following directories depending on the version of Windows you are using Just determine which directory exists on your computer and copy the file to that directory C winnt system32 C windows system32 You should be able to download this DLL from the Internet by going to Google and doing a search for download dbmsadsn dll or you can call AOCG and we can e mail you the DLL Error Message ActiveX componen
121. e and after Runtime and there are no line breaks Copyright 2006 2009 Alpha Omega Consulting Group Inc 114 Title Loan Professional PLUS Help 8 2 2 8 2 3 8 3 The first part of this field may already be correct so you may only have to type from Runtime forward If the PC in question is accessing TLP across the network you should replace C with either the mapped drive letter of the network drive hosting the TLP files or the UNC name of the Server For example If TLP is hosted on a network drive named F you would use Runtime F Program Files Title Loan Professional PLUS titleloan2k mdb If TLP is hosted on a drive with the UNC name Fileserver you would use Runtime Fileserver Program Files Title Loan Professional PLUS titleloan2k mdb Open Report Errors If when printing checks contracts forms letter or reports you get a message like OpenReport action was canceled you may have an error in how your electronic company logo or electronic signature files are specified in Tools Company Setup General Information To test to see if this is the source of the error message go to Tools Company Setup General Information and carefully record the exact entries in the Company Logo and Company Signature fields Then clear both fields so that both are blank Then try the exact same print action again If the error is still produced call AOCG for assistance If the error is not reproduced
122. e card sales regardless of price might show up under the general heading Phone Cards or Prepaid Phone Cards on the Daily Transaction Report If there is only one item in a sales category the Heading and Transaction Description can be the same Copyright 2006 2009 Alpha Omega Consulting Group Inc File Maintenance 129 Transaction Default Amount this is the face value of the item not including the fee your company adds to the price For instance if you sell a 20 prepaid phone card and charge an additional 2 fee the transaction default amount would be 20 and the fee default amount would be 2 If you sell a 20 phone card and keep 2 with the other 18 going to the vendor the Heading would be 20 Phone Card the transaction default amount would be 18 and the transaction fee default amount would be 2 Please keep in mind that the amount fields are simply defaults which can be overridden by the user at the time a miscellaneous transaction is entered Transaction Fee Description this is the general heading under which the miscellaneous transaction fee shows up on the various reports If the transaction description is Phone Cards a logical fee description would be Phone Card Fees Transaction Fee Default Amount this is the fee you add to the face value of the item typically your markup or profit See the topic Transaction Default Amount above for two different ways of handling the fee based on wh
123. e to be opened and reports can be run and accounts can be viewed etc If each store has its own live computer system changes should not be made on the centralized system however Changes should always be made to the live system However if remote changes need to be made you can use PC Anywhere to log into the remote store computer and then you can make data changes and do just about anything the remote store users can do So you have two features for the price of one 1 downloading store databases for centralized backup reporting and viewing and 2 remote access for real time data entry and corrections If you want a real time network this can be done but it involves setting up a full time VPN Virtual Private Network and if the internet or VPN connection goes down all remote stores go down also So the approach of having independent live systems that can be centralized for reporting and viewing accounts often makes sense for the following reasons Internet problems don t take down all remote stores Speed is much better with an in store network LAN Local Area Network rather than a VPN The cost of an in store network is generally less than a VPN VPNs cost more to set up and are more complicated when things go wrong Some of our larger clients use VPNs but data entry can be very slow at times and there are times when users can t log in get disconnected without being able to close active windows which can cause data loss or
124. ease note that for cash drawer transactions the opposite factor is normally applied to the cash drawer For instance if a customer is given a cash loan of 100 the loan balance A R is increased by 100 and the cash drawer balance is decreased by 100 Copyright 2006 2009 Aloha Omega Consulting Group Inc 190 Title Loan Professional PLUS Help Apply to Cash Drawer Each transaction that affects the cash drawer needs to have this check box checked On Cash Advances if your company normally writes checks but takes cash on loan renewals or rollovers you can set the Cash Advance transaction up not to apply to the cash drawer and if you don t write a computer check or enter a manual check number on a Cash Advance the computer will ask you if you want to deduct the loan funds from the cash drawer please document this also under the Cash Advance processing section Places a Hold on the Account If this check box is checked adding the transaction to a client s account will cause the account to be put on hold Administrators only If this check box is checked only a user with administrator access can apply the transaction to a loan Copyright 2006 2009 Aloha Omega Consulting Group Inc 192 Title Loan Professional PLUS Help 17 17 1 Tools This section of the help system covers various program tools accessed from the Title Loan Professional PLUS Tools Menu such as Cash Draw
125. ed principal reductions to the minimum payment for autom 6 Print Renewal Notice with Receipt blank Automatically notify user if a scheduled principal reduction has not bee 7 Principal reduction calculation method for automatically renewing accounts blank Minimum Loan Amount Maximum Lc 8 Add scheduled principal reductions to the minimum payment for automatically Display past due principal with each installment loan payment renewing accounts no check mark Convert outstanding interest to principal at the end of each term Non l H H i H 9 Automatically notify user if a scheduled principal reduction has not been met no Restore fee to the default ee if a customer is past due check mark Require a minimum payment starting with renewal number Loan length in days Enter 1 for due dates on the same day each mont 10 Minimum Loan Amount blank 0 u ount bla Change account status to to be repoed after how many days late 11 Maximum Loan Amount blank Title Loan Contract Contract Print Receipts Renewal Rec If you are doing manual renewals Max Number of Renewals How many renewals are legal It differs from state to state If there is no limit put 999 Minimum Finance Charge Percent of Amount Financed Is only used for Missouri only 75 in Missouri Min Renewal Payment Fees Plus the percentage of the Original or Current Loan Amount could be 10 or 20 whatever
126. ed the following day using the next day s date 8 Once the program is closed you should immediately back up the program and data Copyright 2006 2009 Alpha Omega Consulting Group Inc 180 Title Loan Professional PLUS Help 14 3 14 4 Select Store Database Select Store Database from the File menu To select the store database go to the File menu then click on select store database This option allows the user to maintain more than one store database on the same computer and swap between them Just enter the complete path and file name for the database you want to use You can also use the browse button on the right to select a store database Do not change this path unless instructed by Alpha Omega Consulting Group or the store manager If you have a network and are using the Title Loan Professional PLUS that resides on a server then you may see for example Server AOCG Title Loan Professional PLUS database titleloan2k_be where Server is the name of the computer the store database resides on Titleloan Professional PLUS Alpha Omega Consulting Group Inc To use a different database enter the full path and file name in the text box below so we can link to the new location Use the Browse button to display a dialog box of your file directories to help you find your data The default file and path name for the database file is C Program Files Title Loan Professional PLUS database titlel
127. efore renewing a title loan you must always first settle up on all current fees interest and any late interest To do this when the client comes in to make a payment there are three options 1 If the client wants to pay off the account in full pull up the loan and click on additional information Make sure the payoff date is correct if the client is calling in to determine the correct payoff amount you will need to adjust the date to the expected payment date and be sure to inform the client that the payoff amount changes on a daily basis It would be a very good idea to review his account before quoting the payoff amount Please keep in mind that if you are using the Alabama method it is up to you to renew loans not the computer So it would be a good idea to check the loan make sure that it has been renewed properly that all payments have been applied correctly and that the payoff amount shown by the computer makes sense The payoff amount should be the total of the loan principal the current fees and interest plus any additional late days interest Once the account has been reviewed and verified tell the client the payoff amount for the date in question and make sure he has the money to pay off the loan in full If he doesn t do NOT click the Payoff Account button the button labeled Payoff Act or Payoff Acct One the client has given you the correct amount of money and it has been counted to make sure the exact payoff amount has been
128. en notice of becm nabian feom you in auch Lime and auch an ec aa to aff cd ua a ceasanable oppoctunity to act of youe Matice You avthocize wa to initiate a debit entey to youe Deposit Recount to pay all awa owed unda the Loa Agecemeat an the date the loan comes due oc any later time If you cevoke Chia Authocization befoce the loan ia paid in full you will focfeit the discounted iateceat cate amd all outstanding loan amounts will be subject to the higlec intereat cabe quoted you at the time you opted foc ACH futhocizatian ERINI Bodb Alexaadec SIGWATURE X DATE 1 13 2006 EY SICWINC ABOVE YOU ACKNOWLEDCE READING AMD MZRERIMZ TO IHE STATEMENTS IM ITEMS 2 2 4 KAMU 5 THE MJTHORISATION DI ITEM 6 ndo 1 1 11 2 Affidavit to Defense of Creditor You can print an Affidavit to Defense of Creditor Simple click on the radio button of either Printer or Screen then using the Loan Number drop down select the Loan Number desired If you have selected Screen you may also send the document to the printer from this window Copyright 2006 2009 Alpha Omega Consulting Group Inc 134 Title Loan Professional PLUS Help amp Report Criteria Print C Printer Screen TL145 Money TLS Adams Money TL9 Adams Money TL3 Jones Paula TEI Johnson Ron TL2 Smith Henry TL Adams Money TL6 Yusuf Mike The Affidavit to Defense of Creditor is
129. entage Rate Initial would normally not be checked if you are doing daily interest It would normally be checked if you are charging interest from the first day of the loan Recurring should be checked in all circumstances unless you are doing renewals Most of the time the second amount field will be blank If you are going to finance the fee check the checkbox under the Finance Column If you are not financing the fee do not put a checkmark in the Finance Column The third amount field will always be used for the Title Lien Fee Enter the Title Lien Fee amount then the Description The fourth and fifth fee fields are for documentation fees etc If you have any unusual fees do a test loan and if the fee does not appear on the contract call AOCG and explain where it should appear on the contract Max Terms is used only in states where the default interest can only be charged for a certain number of periods example In Georgia Max Terms is 3 because you can only charge interest over 12 5 for the first 3 months Accrual Method is normally daily if doing daily interest The computer will figure the interest to the closed penny and round Daily Rounded per period the system will try to be more accurate with the interest and will round the interest each day so the interest for the period will be as close to the APR as possible If you do not understand this please call AOCG Loan Length Average Daily balance waits till the end of the pe
130. er Display Balance Cash Advance Daily Deposit Check Register Database Upgrade Alpha Omega Consulting Group Inc Tel 615 662 9537 DIE Fax 615 751 9975 Cash Drawer Cash Drawer Located in the Tools Menu Email sales aocg com This option allows the user to look at the cash drawer opening balance current balance and make any adjustments You can also print a list of all transactions that affected the cash drawer from here It is recommended that you close the cash drawer each night and enter a beginning balance when you first log in each morning Cash Drawer Drawerd Time Opened 0 29 2003 9 32 02 4M Opened By Administrator Time Closed fo Closed By Notes Amount Description Close Drawer Opening Balance 0 00 Actual Closing Balance 0 00 Adjustments 0 00 Adjusted Balance 0 00 Employee View Transaction Copyright 2006 2009 Alpha Omega Consulting Group Inc Tools 193 17 2 Display Balance Display Balance Located in the Cash Drawer Menu This option gives a real time balance of the cash drawer Ele Edit Reports Forms Letters File Maintenance Tools Help Company Setup Cash Drawer Money Order Entry Miscellaneous Transaction Entry Miscellaneous Payment Entry Sales Quote Quote Screen Check Cashing Sign Off Screen CA Daily Deposit Check Register Teletrack Inquiry ACH Export Pawn Power Export Withholdings Import Due Date Exdusion
131. er drop down select the Loan Number desired If you have selected Screen you may also send the document to the printer from this window Copyright 2006 2009 Alpha Omega Consulting Group Inc 164 Title Loan Professional PLUS Help amp Settlement Offer Print Report To C Printer Screen TL145 Adams Money Adams Money Adams Money Jones Paula Johnson Ron Smith Henry Adams Money Yusuf Mike Alpha Omega Consulting Group Inc 746 Vauxhall Dr Nashville TN 37221 615 662 9537 Settlement Offer 13 2006 To Ron L Johnson 507 Testing St Nashville TN 37013 Account amp TL1 DearRon L Johnson Your account is seriously past due You are currently in default on this loan We would like to help you resolve this matter and are therefore offering you this settlement The current balance as of the date of this letter 5 715 20 Daily finance charge 0 11 This letter is a one time offer to you to settle this account and receive your title We will considerthis account paid in full and return your title to you you pay the following settlement amount within ten 10 days of this letter Settlement amount 5 000 00 The unpaid portion of the above listed debt will be forgiven only if you act within the alloted 10 days If you fail to accept this settlement offer we may exercise our legal rights which include but are not limited to the following Your vehicle may be legally rep
132. er network Instructions for Installing Title Loan Professional PLUS on a network Database Server Host pre installation Before you begin the setup of the Title Loan Professional PLUS program determine the computer that will be the Server also known as the database host or simply the Host The Server should be the computer with the most memory and hard drive space and it should also have the ability to create backups for example a CD RW drive or tape drive The Server will be the computer that the Title Loan Professional PLUS program is installed on first The Client is a workstation that receives its data from the Host The Title Loan Professional setup disk can be run on the client computers after you have finished the Host server installation If you have only one computer you will do the Standalone installation Post installation notes You should follow the backup procedure outlined in this help file for the safety of your data 180 Any future program updates should be performed on the Server and the backup should be done on the Server Examples of a network install from the CD These examples are intended for those stores that have an existing network Insert the Title Loan Professional PLUS installation disk into any CD CD RW or DVD drive The auto run feature should begin momentarily The first screen you see should be X Title Loan Professional Plus Installation Program BAX AOCG STANDARD INSTALLATION PROGRAM
133. er the loan enter or select the appropriate client be sure to enter the appropriate vehicle information the go to the Current Loans tab Click on New Loan select a loan type of Title Loan then enter a loan amount of 250 00 Make sure the fee is zero and the interest rate is 10 0096 In this example the first fee field is not being used and the title lien fee is pulled automatically from the third line of the Title Loan Parameters Default Interest and Fees table Since you are doing a daily interest loan which is the default you don t need to change the Payment Method or enter the number of Terms payments Click on the Save Print button and preview the form Please make sure everything is correct To print the contact directly from the preview press CTRL P hold down the CRTL key and tap the letter P key If you have any problems please call Alpha Omega for assistance Nevada Company Setup Nevada Company Setup Guide Here is the link to APR Calculations and Common Percentages 57 Nevada TL Setup Please note that the guidelines below are simply comments about how we have seen a Nevada client set up their TLP for their company and Nevada state regulations obviously supersede these comments You should be very careful to make sure your company setup complies with all current Nevada and Federal regulations which are subject to change and interpretation This is a sample company setup for a single Nevada client and the options you choose
134. es Please understand that it is up to your company to decide when to reduce or increase the interest The program simply does what you tell it to do Once you answer this question the computer will bring up a renewal dialog that shows the minimum payment due to renew the loan and of course the client can pay more if he wishes with the additional amount reducing the principal on the new loan If you have any questions about this procedure please contact Alpha Omega before renewing a loan Here s an interesting renewal idea that rewards customers who pay early and is a token of good faith and good free advertising for your company if you company is accruing 30 days of interest at a time the loan length method and don t want to make an interest adjustments for early payments but would like to make sure that clients who pay early don t pay double interest on the days prepaid here s an idea from one of our clients When you take the payment that satisfies the current interest ahead of time don t renew the loan but submit the payment using the transaction Submit button Wait until the payment due date to renew the loan then renew the loan with a zero client payment Be sure the loan date is correct or you ll either cost the client money or you ll cost yourself money As long as the current interest has been paid and the minimum payment has gone to zero you can renew a loan with a zero payment Be sure to have the client sign the loan the next ti
135. ether the fee is collected in addition to the face value of the item or if the fee is included in the face value of the item Once a miscellaneous transaction has been set up use the Miscellaneous Transaction Entry option on the Tools Menu to enter miscellaneous transactions and be sure to check the Cash Drawer and Daily Transaction Report carefully at the end of each day to make sure you have set up and entered miscellaneous transactions correctly 10 7 Title Loan Contract List This dialog box is where you select which Title Loan Contracts that will be available for selection in the Title Loan Parameters of the Company Setup Copyright 2006 2009 Alpha Omega Consulting Group Inc 130 Title Loan Professional PLUS Help Title Loan Contract List L1 Contract Omit From Dialog Box emandLoan Agreement GA4 Allow Tiew Lien IL Consumer Loan nu e Select All De Select All E ME NE NE M M ja ja ja Copyright 2006 2009 Alpha Omega Consulting Group Inc 132 Title Loan Professional PLUS Help 11 Forms Letters Contracts Receipts Title Loan Professional PLUS prints a wide variety of contracts letters forms reports and receipts Some are for individual states and may not apply to your particular state Several are listed in the links that follow If you have an internet connection CLIC
136. etup change company setup Anyone who you do not want to have access to the above items should be setup as a User The Login Name should be short and easy to remember and the Password should also be short and easy to remember Click on the x in the upper right hand corner to close and save the information Employees ka an lesa Name Address City ST Zip Home Mobile Pager Type Login Name Password Cash Drawer Inactive Admir admin Admir demo Record 14 1 b bl of 2 Security Transactions You do not need to change anything other than the first five 5 transactions Title Loan Cash Advance Cash Money Order and Check are the ONLY transactions that may need achange Title Loan and Cash Advance should not have a check in Apply to Cash Drawer Cash Money Order and Check should have a check in Apply to Cash Drawer If you have certain items that you do not want the User to do you can put a check in the Administrators only column Copyright 2006 2009 Alpha Omega Consulting Group Inc Setting up your Company in Title Loan Professional Plus 55 Description Category Factor Default Amount Apply to Cash Drawer Places a hold on the account Administrators only Meon d Cash Advance NewLoms 1 7 a Cash Customer Payments Tf 7 Money Order Customer Payments Jp 1 7 Iv
137. ew the cash drawer Make the employee screen visible only by administrators This should always be checked Print refund checks for loans with credit balances This is not normally used Give AOCG a call if you want to activate this Contracts Tab This area is Under Construction and not used at this time Most of our customers who desire contracts that they can correct minor spelling errors etc without getting AOCGs assistance are using our contracts created in Microsoft Word If you would like to find out more about Microsoft Word contract please give AOCG a call at our toll free number 866 802 5742 You have completed Stage 1 of your Company Setup Security Employees You should now click on Menu Item Security then select Employees as shown below File Edit Reports Forms Letters Custom File Maintenance Security Tools Window Help Copyright 2006 2009 Alpha Omega Consulting Group Inc 54 Title Loan Professional PLUS Help 4 14 Cash Drawer Adjustment Type Employees Transactions We highly recommend that you do not change the Administrator admin account You can lock yourself out of the program by making changes Leave the admin login and admin password as is When you setup a new user you should go to the bottom of the list to the and then add the new user All fields over to Type are optional Admins can delete loans clients posted transactions change employee s
138. f Access and TLP are installed 4 Close any open forms such as the Client Form so that only the top level menu The menu with the options File Edit Reports etc is displayed and the main part of the window is dark gray b Press the F11 Function 11 key On most keyboards the function keys run along the top row of keys The F11 key invokes the Microsoft Access Database dialog 6 Click on the Tables icon in the leftmost section of the Database dialog 7 In the list of tables on the right scroll down to tblAccountStatus highlight it and double click 8 The entries in the client account status table will be displayed Do not delete existing statuses 9 To add a new client account status scroll down to the blank line that starts with AutoNumber and click in the Account Status field Enter the description of the new account status for example if you want a client status that forces a client to requalify for a loan if he she has not been active for a company designated period of time you could enter a description of Requalify here If the client status puts the client account on hold so that new loans are not allowed be sure the Hold check box is checked 10 When you have checked your data entry carefully and are sure that everything is correct close the window 11 After closing the window if you have no other table changes to make immediately close the program and restart it then make sure your new client accou
139. ftware to Title Loan Professional Am I correct in using the pay off from the previous software as a current balance In most states you can t convert interest to principal so the best method is to collect all current fees and interest from the client then do a new loan with the loan amount being the principal due from the old system printing a new contract with the actual date the new contract is done with Title Loan Professional PLUS Copyright 2006 2009 Alpha Omega Consulting Group Inc File Maintenance 125 10 File Maintenance File Maintenance The file maintenance menu contains Account Status Cash Advance Contract List Cash Drawers Financial Institutions Inventory Late Fees Loan Status Miscellaneous Transaction Setup Referral Sources Title Loan Comments Title Loan Contract List Late Fees Loan Status Miscellaneous Transaction Setup Referral Sources Title Loan Comments Title Loan Contract List 10 4 Cash Advance Contract List Located in the File Maintenance Menu This is where you select which Cash Advance Contracts appear in the Contracts list in the Company Setup Copyright 2006 2009 Aloha Omega Consulting Group Inc 126 Title Loan Professional PLUS Help ES Cash Advance Contract List i JI ES Contract Name Omit From Dialog Box Fe ALB E ALE urrel2 Any State 4 r Select All De Se
140. h contract so that you can tell which printed contract matches the contract number in the program Once you have decided which contract you want to use you can return to this field in the company setup and make it the default contract Note If you have an internet connection you can Click Here to view all contracts letters forms reports receipts and notices that are automatically generated by Title Loan Professional Plus keloas E Company Setup Custom Templates SaveAs Revet General Information All Loans Title Loans Cash Advances Other Loans Reports Forms Statements Admin Contracts Version 12312008 Export Cash Advance Lenath days Minimum Loan Length in days Maximum Loan Length in days 30 Minimum Loan Amount Maximum Loan Amount Cash Advance Contract TNS Cash Advance Calculation Method 7 Renewal Receipt FlatFee gt Contract Printer HP Lasewet 8150 PCL5 Flat Fee Flat Rate Print Checks for Cash Advances I Print Privacy Notice I Enable early pay off credit Waive Late Fee T Force using the payoff screen if a payment seems to satisfy all principal and interest due Grace Period in Days Days Credit Allowed Non refundable portion of fee Allow user to adjust late charges on payoffs and renewals I Allow user to adjust credits on payoffs and renewals A Automatically mark renewals Mas Finance Charge for Each New Loan Max N
141. he client account The program will ask you to verify the deletion of the account Answering Yes will delete all client information and all loans and transactions for the client Copyright 2006 2009 Aloha Omega Consulting Group Inc FAQ Frequently Asked Questions 119 9 5 9 6 9 7 9 8 How do delete a posted transaction To remove a transaction you must have Admin access To remove a transaction pull the loan to be removed on the Current Loans tab Then click in the date field of the transaction to be removed Be absolutely sure that you have identified the correct transaction Then hold down the CONTROL or CTRL key and tape the letter R to remove the loan The program will ask you to verify the deletion of the transaction How do delete a loan To remove delete a loan you must have Admin access To remove a loan pull the loan to be removed on the Current Loans tab Then click in the Loan Number field this is the second field on the Current Loan form to the right of the Type field and the field label for space considerations is simply Number The field will turn white Then hold down the CONTROL or CTRL key and tape the letter R to remove the loan The program will ask you to verify the deletion of the loan How do set the Title Loan Payment Method Q After a program update we are experiencing an error when we try to do a new title loan because the Title Loan Payment Method is
142. he fee based on the number For instance if your company charges 20 per 100 on a 14 day loan and the fee decreases for fewer days and increases for more days you would select the Flat APR method with an APR of 521 4396 Be sure the APR is entered exactly as shown Setting up your Company in Title Loan Professional Plus 49 Post Maturity Interest Setup Interest will be charged at the time of payment or renewal If you are in Louisiana please call AOCG for any fields in this area The fee table at the bottom of the window should be edited carefully To delete an item click in the Advance Amount field then click the area with the arrow then hit your Delete key on your keyboard To change a fee click in the fee and make the necessary change To add a new entry go to the bottom of the fee area and add the new entry 4 8 Other Loans Default Check Cashing Fee 3 0096 Default Check Cashing Fee You must add the sign 5000 Check Cashing Agreement Agreement 3 Maximam Installments Alternate Cash Advance Loan Renewal Minimum Finance Charge Parameters Profit Per Money Order If you want to discuss this Usetoroans above please call AOCG oan Length d Cash Advance Contract i Ct Max Number of Renewals Minimum Finance Charge Percent of Amount Financed Maximum Installments If you want to discuss this Min Renewal Payment Fees Plus of Z
143. he form to be refreshed with up to date figures for the date in question Next click the Print button Do not click the Post button until all the figures on the Daily Summary have been verified Compare the Daily Summary cash section to the Cash Drawer Reconciliation Report and make sure the reports agree If the previous day s cash drawer was not closed correctly or if the beginning and ending dates and times on the cash drawer are incorrect it is possible for the reports to be out of balance It is also a good idea to compare the Daily Summary against the detailed reports such as the Daily Transaction Report and the Daily Receipt Log If your company balances the A R figures on a daily basis it would also be a good idea to compare the Daily Summary A R figures to the Loan List at this point If there are any discrepancies they should be resolved before the Post button is clicked b Once the reports above have been printed and balanced Use the Post button to post and lock in the Daily Summary figures 6 Go back to the Cash Drawer and make any adjustments for monies removed from the Cash Drawer or deposited to the Cash Drawer in preparation for the next day For instance if your company tallies checks and money orders in the cash drawer and at the end of the day these checks and money orders are deposited to the bank you could submit a cash drawer adjustment as follows In this example the checks and money orders add up to 2 750 00 And the
144. he guidelines below are simply comments about how we have seen Tennessee clients set up TLP for their companies and Tennessee state regulations obviously supercede these comments You should be very careful to make sure your company setup complies with all current Tennessee and Federal regulations which are subject to change and interpretation This is a sample company setup for a Tennessee client and the options you choose may be different if you elect to operate your company differently Here is a link for reference to APR Calculations and Common Percentages 57 Under menu option Tools Company Setup General Information enter your Company Name Store Name Address 1 Address 2 if applicable City State Zip Phone Fax TeleTrack ID if applicable TeleTrack Pass Code if applicable Dealer Number optional License Code optional Primary Contact Business Hours example Monday Friday 9am 7pm Saturday 9am 3pm This information will appear on every contract and report throughout Title Loan Professional PLUS so all information should be accurate If you have a company logo or a company signature to print on checks this is the screen to install those but they are not required to begin using your program You must have digital files for your company logo and signature in order to use these fields Copyright 2006 2009 Aloha Omega Consulting Group Inc Setting up your Company in Title Loan Professional Plus 65
145. he main office Yes if you put pcAnywhere on both a main office computer and the computer at the store that hosts the database it is possible to automatically back up to the main office Daily Receipt Log For accounting purposes the most common end of month report would be the Daily Receipt Log run from the beginning date of the month to the ending date of the month This report shows each payment taken and how much was posted to principal fees and interest If you re on a cash basis this is probably the main information your bookkeeper or accountant will need How do change a due date Q How do change a due date A Pull up the loan on the Loan tab making it the current loan Then click the Additional Information button go to the Payment Info tab then click in the Next Payment Date field and press CTRL E to edit the date However if your system security is set up to not allow date changes you may not be able to edit the date How do delete a client To remove records you must have Admin access To remove a client pull the client up on the Personal tab make sure the client does not have any real loans you can check this by going to the Current Loans tab and using the History drop down Then click in the Account Number field the next to last field in the rectangular grid of fields at the top of the Client window The field will turn white Then hold down the CONTROL or CTRL key and tape the letter R to remove t
146. heck Fee 20 00 Loan Setup apply after day 0 Loan Prefix Next Assign Max Open Loans Loan Sutfzes Title Loan TL 5 M N First Loan Renewal Increase Enter the number of days to be used Cash Advance C 1 when calculating Daily Interest and APR Check Cashing icc 1 Vv for Cash amp dvances 365 Default Cash Drawer Balance Miscellaneous ws If 0 Previous Days Balance will be pM Label Printer NextClientNo 6 The next section is the Title Loans tab Under Default Interest and Fees the first line in the Amount column should be 2 0096 the Description should be Simple by clicking the drop down arrow and selecting Simple then the Recurring Description column will display Interest Select the type by clicking the drop down arrow and selecting MPR You should then place a check in the Initial column box by clicking on it The Recurring box should also be checked to ensure that the Interest is calculated every month on the loans made The next line you can enter 20 0096 by clicking in the box and entering the amount By using the drop down arrow in the Description column select Origination Fee The Initial check box should be checked and the Recurring check box should also be checked The Recurring Description should display Renewal Fee by clicking on the drop down arrow then selecting Renewal Fee Below the above fields you will see Max Terms which should
147. hould not log back into the program that day Instead after the day is balanced and closed the user should wait until the following day to log in and all new loans and transactions should be dated the following day 2 Go to Tools then Cash Drawer then View Cash Drawer Check the computer s cash drawer adjusted balance and make sure it agrees with the actual cash drawer If the computer s balance is incorrect look for obvious things like funds that were received from clients and not entered into the computer or loans that were made and not entered into the computer Do not press the Close Drawer button at this time even if the drawer seems to balance If the drawer is not in balance you may want to click the View Transaction button to view the Cash Drawer Reconciliation Report which shows all transactions and adjustments for the current cash drawer 3 Next go to Reports and print the daily detail reports your company uses at the end of each day An example of daily reports used to close and balance might be the Daily Transaction Report which details new loans fees and interest the Daily Receipt Log which details monies received and perhaps the Loan List which shows the principle interest and fee balances of each loan Your company may elect to add to or subtract from the reports to be printed and balanced in which case it would be advisable for each store employee to be given step by step instructions AOCG recommends an end of day
148. ht scroll down to tblStatusCodes highlight it and double click 8 The entries in the loan account status table will be displayed Do not delete existing statuses 9 To add a new loan account status scroll down to the blank line that starts with AutoNumber and click in the Status field Enter the description of the new loan status for example if you want a loan status for a loan that is in litigation you could enter a description of In Litigation here If the loan status makes the account inactive meaning that automatic recurring interest and fees should not be added to the account be sure the Active check box is unchecked This does not mean you cannot add interest and fees manually only that TLP will not continue to accrue recurring interest and fees automatically If you do want TLP will to accrue recurring interest and fees automatically be sure the Active check box is checked 10 When you have checked your data entry carefully and are sure that everything is correct close the table window 11 After closing the window if you have no other table changes to make immediately close the program and restart it then make sure your new client account status shows up as an option on the client screen after restarting TLP If you have more table changes to make such as adding corresponding loan statuses you can make such changes first then close the program and test all table changes at one time If you have multiple stores it
149. if applicable Cash Advance Contract Be sure to select the appropriate contract for your state State specific contracts are prefixed with the state s postal code So contracts for Tennessee start with TN contracts for Missouri with MO etc Do not try to type in this field click fo ber E Company Setup Custom Templates Revert _ Import General Information Al Loans Tile Loans Cash Advances Other Loans Reports Forms Statements Admin Contracts Version 12312008 Export Cash Advance Lenath days Minimum Loan Length in days Maximum Loan Length in days 20 Masimum Loan Amount Minimum Loan Amount Cash Advance Contract TNS Cash Advance Calculation Method Z Renewal Receipt zi FiatFee gt Contract Printer HPLaseerGISDPCLS Flat Fee Flat Rate Print Checks for Cash Advances Print Privacy Notice I Enable early pay off credi Waive Late Fee Force using the payoff screen if a payment seems to satisfy all principal and interest due Grace Period in Days Days Credit Allowed Non tefundable portion of fee Allow user to adjust late charges on payoffs and renewals I Allow user to adjust credits on payoffs and renewals A Automatically mark renewals Max Finance Charge for Each New Loan Max Number of Renewals Allow principal increase with renewal Renewal APR Min Renewal Payment Fees Plus of ial Loan
150. ille TN 37013 Notice Date 1 13 2006 Re Account Last Day for Payment 2 3 2006 Dear Ron Johnson Tie Bstpaymenton your 1997 190 wasmadeor 1009 2103 9 35 10 Your account cue r 10 days past dee of 350 00 NOTICE OF CONS UMERS RIGHT TO CURE voran BE naa MOr pame rtg Nyor pay the AMOUNT NOW DUE aboue by the brpayment boue you may conth ve wti the con tractas torgi you were Mot do kotpar by thE dae exe roke oar ght Ander the Ew You may be obligated D pay Rasoiae cost otcolkctors vog bitiot Im ted to cot tcost kes aid colkction age roy fees excepttiats tok costs of cok ctions 1 May vot helide costs thatwe re Inctrred brasalared employee ofthe credbror is assignee 2 May iot hohde the recoue Irofboti atbriey kes colectin age ior tees and 3 Siallvotbe h excess of 19 of the tipak debtarerdefaut Mor are BE agah Ih you rpayments we mayexe pre otr gu witottserdhgyor another rote Ike this MYON kawe any qlestors wrie or telepioie the cedibr prom piy Sincerely Manager 11 11 Notice of Public Sale You may print a Notice of Public Sale Simple click on the radio button of either Printer or Screen then using the Loan Number drop down select the Loan Number desired If you have selected Screen you may also send the document to the printer from this window Copyright 2006 2009 Aloha Omega Consulting Group Inc Forms
151. ion may not be displayed depending on how Windows is configured This file is normally contained in a database subfolder called C Program Files Title Loan Professional Plus database Discussing full backup protocols and procedures is beyond the scope of this document but suffice it to say that every company should back up on a daily basis rotate backup media and keep off site backups It is also very advisable to keep a backup log to backup on multiple different types of media CD DVD tape etc and to verify that backup files can be read and restored Failure to do any of the preceding may result in a situation where your company can lose part or all of its data at any time When backing up we strongly advise that you do not attempt to drag and drop the Title Loan Professional Plus folder or any of the program or database files Dragging and dropping can easily result in the files being moved in which case the program will no longer function and data in the worst of cases might be lost Instead if you are backing up using Windows right click on the Title Loan Professional Plus folder and select either Copy or Send To If you are backing up to a CD the Send To method is easiest simply send the folder to the CD drive this of course requires you to have a CD burner that supports burning CDs without special software If you are backing up to a drive or device that is not available using Send To you can select Copy then use My Computer or E
152. ional Plus This section covers all of the Company Setup Tabs General Information Ai Loans Title Loans Cash Advances Other Loans Reports Forms Statements Admin Contracts To access the main Company Setup screen go to tools then select Company Setup from the menu For state specific setup parameters see the State Specific Company Setup section of this help file A Login Call Alpha Omega Consulting Group Inc at 866 802 5742 to get your User Name and Password to login the first time Copyright 2006 2009 Alpha Omega Consulting Group Inc Setting up your Company in Title Loan Professional Plus 37 User Name call AOCG at 866 802 5742 for a User Name TITLE LOAN PROFESSIONAL Password call AOCG at 866 802 5742 for a LOGIN Password Cash Drawer To select a Cash Drawer click the arrow to the right of the Cash Drawer box and click on Drawer 1 Once you have selected a Cash Drawer a Drawer Balance should appear in the Drawer Balance field area Note Title Loan Professional Plus can be setup to automatically display a starting Cash Drawers balance If no Drawer Balance appears you may enter a starting Drawer Balance If you have entered a User Name a Password have selected a Cash Drawer and a Drawer Balance has appeared or was entered by you you can now click the button You will see a dialogue window telling you that the Daily Update will proceed in XX seconds
153. is imperative that you add new client account and or loan statuses in exactly the same order so that the account status numbers automatically assigned by the computer are the same in each store database If these numbers are not the same at every store it will be difficult or impossible to consolidate store databases in the future and run reports or queries that match in terms of client and or loan statuses With all TLP company setup and control tables for multistore operations it is very important that any change made for one store is made exactly the same way and in the same order for every store Converting Loans If you are entering backdated loans or loans started on another computer system or loans done manually before using TLP you must follow these guidelines or contact AOCG before employing any other method If you don t follow these guidelines your loans may look correct to you but the fees interest loan balances due dates and other critical information may not be correct either initially or after one or more daily updates have been done by TLP Installment loans You cannot backdate an installment loan to match a loan started on another computer system or a manual system Instead you should collect any outstanding interest and fees due on the original loan pay off the original loan calculate the remaining principal balance and do a new installment loan using TLP The loan date should be date of the new installment loan no
154. ithin the program go to Tools then Company Setup Click on the Browse button for the electronic signature and browse to the folder where you saved the file When you have selected the file and it appears next to the Browse button in Company Setup you re finished However be sure to check the first check you print and make sure the signature appears correctly on the check How do remote access to other Stores How do remote access to other Stores Yes we have done this for other clients as outlined below so think this information may be helpful to you Yes we have chains of up to 13 stores that use our software and we do have provisions for remote access One simple solution is to put PC Anywhere on each store computer This kills several birds with one stone Copyright 2006 2009 Aloha Omega Consulting Group Inc FAQ Frequently Asked Questions 121 9 13 9 14 1 We can offer a higher level of remote support training and program updates 2 Each store can be accessed from the main business office and even from home and on the road 8 Each store s database can be copied to the main business location which in effect backs up the other stores Of course the computer the files are downloaded to needs to be backed up and an off site backup of all data files is imperative 4 Once the store databases are centralized on one computer system Title Loan Professional will allow any store databas
155. l imiitutian in the avert tw ir cwturzmei wpaid an atiataanal 21 11 Pwturn fem ar neam legal ancunt nay im wlmcteameally vitidravn Jt tw policy of Alam Canmiting Geop Inc ta wanita all debatz and crematz zoan ar panais approval hovever uvale clays reolt vath thm procerrmg comany 1 amp arucvertat gracmirisg mrrarz art of Gad wte Bomal procmrrzw tame zhoold not tra 121 mminmrr wee mart caremztananz Sut accu that Pre Ruthorised Electronic Funds Transfer Payments wath thir LET sgemerment hach az part of tm Agha Canrsltisg Geama Inc Merem te cortar authariimr Orage Gmroltimg Inc ta imitiatm emteusr ta the cortome accom Cor 11 gagmentz chow anelwig any cwtucnmd wpaad itan Omer dos an hich the rusjmct of thir aQcmenwnt az deam and thm Financial Inztatutaon an hich thm accowt ir wild to cit crwdit the t2 rach iamm Thir aethariey az ta warn an foil Alpha megs Group Ine arei Om mbejat Finaseial Inztitutian have acmivd vestten notiliratian rom tm cortome al itr tamanatzan in much tame and im roch naruwe ar ta affard Alpha Canmitang Grow Inc and the Financial Jnzrtituian A rmazcminla qgpartumity ta Act an at You the cortome wnderrtzri that you may cancel thar axtharaiatian by provada veitta
156. lect All 10 2 Cash Drawers Located in the File Maintenance Menu This dialog box allows you to edit the number of cash drawers available Copyright 2006 2009 Aloha Omega Consulting Group Inc File Maintenance 127 10 3 Financial Institutions Located in the File Maintenance Menu Enter all your financial institutions here You can also add them on the fly on the employment tab of the clients form Bank File Maintenance Name Address City Sta Zip Phone Routing Number KA JL TT 7 1 1 Record 4 1 gt rx of 1 10 4 Referral Sources Located in the File Maintenance Menu This form populates the How did you hear about us drop down on the Personal tab of the client form F8 Referral Source aax Referral Mis s H Coupon Repeat Cust H R eferral E 10 5 Inventory Located in the File Maintenance Menu This selection brings up your inventory of automobiles Copyright 2006 2009 Aloha Omega Consulting Group Inc 128 Title Loan Professional PLUS Help 10 6 Vehicle Inventory BAX General Evaluation VIN Number 0987654321098765 TifjeCertiicateno Year JIN License Plate No Chevrolet State Model Expiration Date Body Style Color Record 14 1 gt of 1 Miscellaneous Transactions Setup Miscellaneous Transaction Setup A
157. litary Disclosure Simple click on the radio button of either Printer or Screen then using the Loan Number drop down select the Loan Number desired If you have selected Screen you may also send the document to the printer from this window Copyright 2006 2009 Aloha Omega Consulting Group Inc Forms Letters Contracts Receipts amp Military Disclosure Print Report To C Printer Screen Autry Martha Claudia Bobby Garcia Patty Johnson Ron Jones Paula Quicker Candy Simmons Ron Smith Henry The Virginia VA Military Disclosure is as shown below Title Loan Professional PLUS rptVAMilitaryDisclosure Report 1 Fie Edit Reports Forms Letters File Maintenance Security Tools Window Help ik 6 OmU HE Military Deployment Disclosure Formfor Ron Johnson Please print name then initial in all blanks laid ormy Spouse cire vr empksed wit the Miltary Sembes of te Urted Sues NO i konpu wit the State Brreat of Fhaichl hstiios Chapt r5 1 2005 vig l of Assembhy which amends the a Act Chapter 18 ofthe Tite 6 1 of the Code of la Payday Loa igni wc ask thatyou pease nad ug stand andsige the Dibwhg ardormy spor are curren thy Not De pinge s kd or bepbymen tor kawe Sry Mowe ori Depbymertwiih the vex tNhey GO mitay Sembes bh la idormy spose empbyed To te Destofmy kicubdge
158. llular Phone 615 2223121 Other Phone SSN 2234888 DLNumber 78945678 State TN DLExpiration 7 Sex 3 I A Next gt gt lt lt Previous Full Eye Color Height Feet o Inches 0 Address Address2 as City ii Cony i tte Zip How Long Yrs Previous Address Addesl Address2 cy Zip D New Account Print Label Tum Down Notice Client Lookup Donnymyer Samantha Data Verification Sheet Removing an existing client customer Be Careful To remove an existing client First open the client window then using the Client Lookup drop down select the client you are desiring to delete Once you have the correct client in the client window Now put your mouse over the Account Number field and click to enter the field Copyright 2006 2009 Alpha Omega Consulting Group Inc Day to Day Operations 77 Now hold down Ctrl and press R or r at the same time The following dialogue window will appear Click on Yes and all information about the client will be erased Access Are you sure you want to delete this account No Note Be Careful Once you have deleted the clients information you cannot bring it back 5 5 Making a title loan To start a new Title Loan Go to the Clients Window At the lower left hand corner of the window you will see a b
159. ly known by me or who has have produced as identification and who did not take an oath SEAL Notary Public State of My Commission Expires Copyright 2006 2009 Alpha Omega Consulting Group Inc 156 Title Loan Professional PLUS Help 11 16 Power of Attorney 2 You may print a Power of Attorney 1 Simple click on the radio button of either Printer or Screen then using the Loan Number drop down select the Loan Number desired If you have selected Screen you may also send the document to the printer from this window amp Report Criteria Print Report To C Printer Screen Loan Number TL145 Adams Money TL8 Adams Money TLS Adams Money TL3 Jones Paula TL1 Johnson Ron TL2 Smith Henry TL Adams Money Yusuf Mike The Power of Atiorney 2 isas shown below Copyright 2006 2009 Alpha Omega Consulting Group Inc Forms Letters Contracts Receipts 157 Title Loan Professional PLUS rptPowerofAttorney2 Report Power of Attorney TN Count y Cf Dae 1213 2006 hereby appoint Alpha Omega Consulting Group Inc residing at 16 Vauxhall Dr Nashville TN 37221 as my attorney in factto sign my name and do all things necessary for the specific purpos e s of makhg application o rcertifcate of titie makhg applkation br e pisceme it of certifcare or tite comp thg ass pim eitorcertibate of tite ib tast rowe rip ib the tastere
160. may be different if you elect to operate your company differently Use loan suffixes This option is not generally used by our clients However if you want your loan number to be suffixed with an N for new loan R for a renewal or an for a loan increase check this check box Please note that you should not use the renewal or loan increase features on an installment loan An installment loan must always be paid off in full and rewritten from scratch as a new loan Interest rate 20 00 MPR For daily interest loans done on an accrued loan length period of 30 days the Initial box will be checked and Recurring will be checked If there is a Title Lien Fee and daily interest is being used the title lien fee normally 10 00 or 15 00 should be set up as a Fixed Rate with Initial and Financed checked and Recurring not checked This should not be entered on the line immediately below the Interest line but on the next line below line two is reserved for origination fees that convert to renewal fees and other special instances Copyright 2006 2009 Alpha Omega Consulting Group Inc 62 Title Loan Professional PLUS Help 4 21 5 It is our understanding that in Nevada installment loans are unlimited in length and daily interest loans are limited to four months Assuming daily interest is being accrued the Max Term should be 4 months the Accrual Period should be Loan Length the Max Days should be 0 or blank
161. me T Lj Middle Initial OseOtBeh m Current Address TT Address2 w M Cony o e gt 2 HowLong vs 0 Previous Address Address1 Addes2 Oy 7 2 1 Save Undo Client Lookup Data Verification Sheet Personal Tab Contains personal information about the customer such as First and Last Name Date of Birth Age Home Phone Cell Phone Current Address Previous Address etc o Sasy 000 Length Of EmploymenitYears Weekly Household Income 000 D amp ectDepost Direct Depost SS Employment Income Tab Contains information regarding the customers employment such as Employer Name Phone address information salary etc Copyright 2006 2009 Alpha Omega Consulting Group Inc Day to Day Operations 79 Personal Employment income Vehicle Co Applicant Contacts Loans Notes General Evaluation Reposession Recovery Tite Ssies Information VIN Number mm T eCet amp ateNo Yea Make SS Record A4 p of 1 Vehicle Tab Contains information about the vehicle being used for the loan such as VIN Number Year Make Model Color etc Personal Employment Income Vehicle CoAephcant Contact Loane Notes Merchnts SlesPersone _ FastName 7 LastName SCS Poe
162. me he or she comes in You can even make a courtesy call to let the client know what you re doing and when you explain how this will save them from paying extra interest they ll be appreciative This can also set you apart from local competitors who don t go the extra mile to reward customers who pay early 7 2 Writeoffs There are two methods of doing writeoffs 1 A writeoff in which the balance of the loan is reduced or goes to zero In this case you are telling the program that the loan or some monetary portion of the loan is uncollectible and the loan balance will be reduced or go to zero accordingly To do this type of write off submit a transaction with the transaction type of Writeoff with the amount being the dollar amount being written off 2 A writeoff in which the balance of the loan is not changed and there is only a loan status change generally from current or past due to writeoff In this case you are telling the program that the loan is still collectible and the loan balance will continue to show up as due To do this type of write off submit a transaction with the transaction type of Writeoff with the amount being zero Copyright 2006 2009 Alpha Omega Consulting Group Inc Editing and Troubleshooting 111 8 1 Editing and Troubleshooting In this section of the Title Loan Professional Help there are instructions on the use of special keys used to edit accounts and loan i
163. ment Income Vehicle Co Applicant Contacts Loans Notes Merchants SalesPersons Photo Management How did you hear Quick Search about us Location M No First Name Ron Status 2 1 LastName Johnson Current Address Avallable beard Addes Date Of Birth Age Addes2 Home Phone Ci e Cellular Phi ii Hm zs Cony Ssee 2 et Phone SSN EE Zip How Long Yrs 0 A DLNumbe State I DL Expiration Previous Address Ses E Addesl lt lt Previous Full Next gt gt facs zl Addes cy State z Height i Select a client from the Feet o Inches 0 dropdown list as shown New Account Print Label Tum Down Notice ClientLookup 8 antha 7 Data Verification Sheet Brazier Calvin Donnymyer Samantha The screen will populate every Tab with all of the clients information as shown below son 7 Name Samantha DonnymyeCurentBalance 3280350 Home Phone Gase o IPhone iBISJ2223iZiheiweAccouss T 07 2 2008ecounNumbe 2 Personal Employment Income Vehicle Co Applicant Contacts Loans Notes Merchants SalesPersons Photo Management Samantha Image Last Name mmm i Quick Search Location t Staus El Current Address How did you hear about us First Name Middle Initial Avallable Date Of Bith 4 5 1973 Age 35 Home Phone 615 444 5555 Ce
164. n Help Professional Plus Hep Browse E program files Title Loan Professional Pluss r Advanced Section Where would you like to place backups of your data Help Browse CA AQCG Tech Configuration Complete Click install below Support to install your copy of Title Loan Professional 855 802 5742 Plus Thank you for your business Next gt gt or for a client installation you will only have the option to place backups of your data Copyright 2006 2009 Aloha Omega Consulting Group Inc Installing the Title Loan Professional Plus Software 31 X Installation Wizard Step 3 Advanced Section Where would you like to place backups of your data Help Browse ICA AOCG Tech Configuration Complete Click install below Support to install vour copy of Title Loan 866 802 5742 Professional Thank you for your business Install gt gt You are now ready to begin the installation of Title Loan Professional PLUS At this time you can go back to make changes quit or click gt gt Begin lt lt to proceed with the installation Click the Begin button Overall Installation Progress Network Progress gt gt Begin lt lt Quit You may see this dialog saying that you have a previous version of the program on your computer If you are sure that you want to overwrite the program then select OK to continue Copyright 2006 2009 Alpha
165. n motion ta Gmroltang Grows nt at lmart Comm 5 bmrmmrr Hayz pror ta thm payat rum cate You wrriecrtisri that ceowlang your autharisatian dams rot 1 yoo ttm cmmpomunility of paying your account an Cell Fucthmceocm thm cortome authorise Agha Crea Consulting Geowa Ine land itr IFT Procmzror ta naka iCtramir Cutz tramifez IKT Dd dit rrwdit wr ramz to wei ron any accomt of the Curtaweci at any inrtitubicm rom taws ta tam ism and varbis ancuntz cacercam iunzactiznr and pata sala teanmctianz according ta the temr of the cortsme agement vith Ache rege Consulting Grows Ine rurtamar undar rtandz ard agemer thet Aipha Onaga Canzultzm Growp inr emi not rami ta notaty the cortome prior ta any rmrurrisg doit entry Come ar prior ta any pam ar zala rnit entry imitiatari by thm prior te any comdat atan Page WO 1 gt oen Ready a Copyright 2006 2009 Alpha Omega Consulting Group Inc Forms Letters Contracts Receipts 153 11 14 Repossession Letter You may print a Repossession Letter Simple click on the radio button of either Printer or Screen then using the Loan Number drop down select the Loan Number desired If you have selected Screen you may also send the document to the printer from this window E Reposession Letter Bl x Print Report To
166. na 19 Overwrite Dialog 20 INnStall Status 20 Install ence M 21 L gin SCC CN 22 UserName 23 ET Dcum R 23 NoteS 1 nnseneeceun uere eg or ee eee MEI EI CIE 24 Windows User Accounts 25 Create Title Loan Shortcut 0 26 Network InstallatiOni ss A SURA BU BA SURUH USIA SIA IA SIH BUN BUR KOH AA BUN SUR HA AU BUN SUR AU SUARA A 28 Teletrack 33 Self Extracting Demo aaaeewewananan an eananan nana wana nana enn ne een nnnt nnn ananas ee nn ttn nasa een anna nsnm n nana nnn 34 Program Upgrades p aaa 34 Setting up your Company in Title Loan Professional Plus 36 Login aaa a a Na a a NG a Da Na aa MM MEE 36 General Information Tab nnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnn 38 PANI NDAN ST AT aa aana waana aa A AA AA AA ADANG AA AA E PEE E FEE E FEE FREE EE ES 40 Title Loans Tab Default Interest amp Fees wwnn nana nne www n nana nawan ane 42 Title Loans Tab Alternate Interest amp Fees wwnan anane wwnn nana awanane 44 Title Loans Tab Other
167. nal on all computers Copy or unzip the cougard dll file into the Program File Title Loan Professional Plus folder If you are asked whether to replace the existing file answer Yes Use My Computer to verify that the file cougard dll is correct the date should be 05 20 2004 or later and the file size should be 196KB or 200 204 bytes 5 Run Title Loan Professional again and test the Teletrack Inquiry 6 If the Teletrack Inquiry doesn t work correctly and an older version of cougard dll is installed in another folder you may have to do a Windows search for cougard dll and delete the older files from the system but this is generally not required 1 2 3 4 Copyright O 2006 2009 Alpha Omega Consulting Group Inc 34 Title Loan Professional PLUS Help 3 15 3 16 Self Extracting Demo Installing Self extracting Demo no Access Runtime This version of the demo software is much smaller than the version with the full Access runtime which is 130MB or larger making it slow to download or e mail If you have Microsoft Access 2000 or later installed you should be able to use the no Access runtime version of the demo The following instructions assume the demo program has been e mailed but the same technique can be used if the file has been downloaded from the AOCG web site or obtained some other way 1 Double click on the e mail attachment or on the demo EXE file if not an e mail 2 Click on Setup
168. nce the backup has been made to make sure the correct folder was copied and that the file titleloan2k be mdb in the Database folder has the current system date If it doesn t you either backed up the wrong folder or the current database is in the wrong folder or the backup didn t work correctly If any of these is the case it is imperative that you determine the problem and make sure that you have a good backup It is also a good idea to make sure that you can restore files from your backup CDs from time to time However be sure not to restore and old copy of the files on top of the current live files or you may very well lose data Instead restore files to a test folder Copyright 2006 2009 Alpha Omega Consulting Group Inc Accounts and Loans 97 6 Accounts and Loans Before you can make loans client accounts must be setup Note if you are using Title Loan Professional for the first time on a computer whether on a single computer or on a network you need to either read the Company Setup section of this Help manual or call or e mail our tech support department for assistance If you are using the demo it s okay to add new accounts using the default company setup but all live installations should have the Company Setup steps completed before new accounts are added To access the Clients screens go to File then select Clients Clients Select Store Database Send Logoff Close Current Form
169. ndividuals with rore than one loan 2 12 953 33 Page 13 3 All Clients This selection permits the user to print a list of All Clients to the screen or printer as shown in the example screenprint below Copyright 2006 2009 Alpha Omega Consulting Group Inc 174 Title Loan Professional PLUS Help Client List ID Name 2311 Adams Morey 2629 Adeyemo Ishipoo 1008 Alexander Bob 2816 Alexander Mike 2779 Autry John 3043 Garcia Patty 565 Johnson Ron TL6200 Jones Paula 2995 Quicker Candy T6989 Simmons Ron TL1374 Smith Henry TL3146 Yusuf Mike Address 1220 Chester Avenue 5353 Thorny Ridge Rd 905 fitapatrick 503 Sawyer Brown Dr 507 Testing St 2570 Cancun Rd 507 Testing St 503 Sawyer Brown Dr 507 Testing St 705 Westerman Court 2570 Cancun Rd Apt 5353 Thorny Ridge Rd City Nashville ANTIOCH Nashville Laveme Nashville Nashville Nashville Laveme Nashville Antioch Nashville ANTIOCH Alpha Omega Consulting Group Inc ST Zip Home Work TN TN TN TN TN TN TN TN TN TN TN TN 37203 615 321 3211 615 987 6547 37013 615 345 6789 615 854 3214 37214 615 882 0722 615 798 5612 37086 615 455 7891 615 895 6543 37013 615 654 9871 615 986 3254 37217 615 234 5678 615 456 9875 37013 615 654 9871 615 986 3254 37086 615 455 7891 615 895 6543 37013 615 654 9871 615 986 3254 37013 615 123 4567 615 123 7890 37217 61
170. nformation Also during installation and specific operations of the Title Loan Professional PLUS program you may encounter errors This section of the help file can help you solve the most common problems you may have If you have a error or problem not listed please call our toll free number 866 802 5742 for further assistance Alpha Omega Consulting Group Inc Tel 615 662 9537 1 9975 615 751 9975 Email sales aocg com Controls for Editing On most standard keyboards the control key is marked ctrl The alternate key is alt The print screen key is prt sc Ctrl P to print a previewed contract receipt letter or report to the printer This cannot be used to print data entry or other screens only printable documents and reports that can be previewed To capture and print screens see instructions later in this document Ctrl Z to cancel a transaction For instance if you start entering a loan and want to cancel it you can press Control Z Another method is to click on the X close control in the right hand corner of the current form window Be sure not to click on the X close control for the program itself The current form window will always be inside the main program window Ctrl R to Remove a record For instance to delete a client account and all associated loan records click in the account number field then press Control R hold down the Control key and tap the letter R key to remove the record then answer Yes when you
171. ng on the arrow to the right of the Contract Name but normally is not used Copyright 2006 2009 Alpha Omega Consulting Group Inc 88 Title Loan Professional PLUS Help 5 7 Contract Print Contract Client Donnymyer Samanth Amount 500 00 Copies 2 Contract SDd You now click the Print button and the contract and all required documents for your area will be sent to your printer It s that simple A loan normally takes around 5 minutes from start to finish Of course your times may vary based upon how much information is keyed in about the customer employment vehicle co applicant contacts etc Finding an existing loan all types To find an existing loan open the Clients Window by clicking on File and Clients Select Store Database Send 4 Export Page Setup Logoff Close Current Form Ext Now use the Client Lookup drop down to select the Client Customer In this case Donnymyer Samantha Copyright 2006 2009 Alpha Omega Consulting Group Inc Day to Day Operations 89 Personal Employment Income Vehicle CoAppicant Contacts Loans Notes Merchants SalesPersons el oain Fa First Name Cahn Status Bram 5 r CuentAddess Middle Intisl oo ao HomeFhene m Chun county Sta a E Homtongtriss 0 DLNumber Sae
172. ns If you are going to be entering loans and back dating loans you need to leave these unchecked until all back dated loans are in the system Lock Loan and Transaction Dates Keeps Users from doing back dated transactions Lock Next Payment Date Keeps Users from changing the payment date and making the loan Copyright 42 Title Loan Professional PLUS Help 4 4 Title Loans Tab Default Interest amp Fees Copyright 2006 2009 Aloha Omega Consulting Group Inc Setting up your Company in Title Loan Professional Plus 43 Copyright Start under Default Interest and Fees Default interest and Fees The first field under the Amount column is for the interest rate You must key the Amount Description Type Initial Recurring Financed Recurrin APR in with the sign or you will get Simple strange results After you key this in hit Documentationl I M Title Lien Fee Fixed Rate BEN Ww E jredRae O Max Tems JAccusiMehod LoanLengh Max days Due Date Calc your Tab key and check what you have entered The second through fifth fees are discussed later ess De Next under the Description column should be Simple Do not change this without talking to AOCG first Under the Type Column put APR if using an Annual Percentage Rate or MPR if using a Monthly Perc
173. nt status shows up as an option on the client screen after restarting TLP If you have more table changes to make such as adding corresponding loan statuses you can make such changes first then close the program and test all table changes at one time Loan Account Status Adding a new loan account status If you are adding client statuses and loan statuses in the same session you should have already done the first four steps below so you can jump to step 5 1 First make sure that you have a current backup of your program and data files 2 Next make sure that all other users have logged out of TLP 8 Run TLP on a computer with the full compatible version of Microsoft Access currently Access 2000 or higher although compatibility can change as new versions of Access and TLP are installed 4 Close any open forms such as the Client Form so that only the top level menu The menu with the options File Edit Reports etc is displayed and the main part of the window is dark gray b If the Microsoft Access Database dialog is not displayed press the F11 Function 11 key On most keyboards the function keys run along the top row of keys The F11 key invokes the Microsoft Access Database dialog Copyright 2006 2009 Aloha Omega Consulting Group Inc Accounts and Loans 105 6 11 6 Click on the Tables icon in the leftmost section of the Database dialog 7 In the list of tables on the rig
174. nts No Detailed Copyright 2006 2009 Aloha Omega Consulting Group Inc Setting up your Company in Title Loan Professional Plus 4 10 Statements Tab 51 Copyright 2006 2009 Alpha Omega Consulting Group Inc 52 Title Loan Professional PLUS Help The Statements Tab are normally only used by The system will only create statements for title loans If Loan Length Average companies doing LOC Line of Credit loans which Daily Balance is selected for the accrual method invoices will always be created are Virginia Kansas and lowa If nothing is entered in the minimum payment boxes the minimum payment will be 5 of the principal balance plus any fees due If you would like to use this for any other state it may not work properly and this feature is an 15 add iti on al 500 00 Initial statement Minimum Payment will be all fees due plus what percentage of the principal balance 0 00 Subsequent statement due dates will be the system due date plus haw many days 5 If you think you need to use Statements please Use the statement due date as the system due date E Subsequent statement Minimum Payments will be all fees and interest due plus what percentage of the principal 5 00 contact AOCG balance Payment Application Method Current Period adds all fees and interest applied during the current period then applies any payments made This
175. o here in order to add the Routing Number If using ACH transactions you must have the financial institutions correct Routing Number or problems will occur Help File Click on Menu Item Help then Title Loan Professional Plus Copyright 2006 2009 Alpha Omega Consulting Group Inc Setting up your Company in Title Loan Professional Plus 57 4 19 Title Loan Professional Plus Manuals amp Help Files You must have an internet connection for the below listed features to work properly p Adobe PDF Platform independent PDF format Open a printable Title Loan Professional Plus Manual in your browser T id e Book Electronic Book in Windows Executable Format Download Title Loan Professional Plus Manual in e Book format The manual will open in your browser if your browser has the Adobe Acrobat Reader add in installed Once open in your browser click the Print Button or save the manual to your computer using the Floppy Disk Button It your browser does not have the Adobe Acrobat Reader add in installed you will be given the option to download and save the manualto your computer There are many options when printing the Title Loan Professional Plus manual Choose your print options carefully Most Common APR Calculations and Percentages APR Calculations and Common Percentages Common APRs based on a 365 day year are 28 00 per 100 on a 14 day loan 730 00 2 00 per day
176. oan Cash Advance Check Cashing and Miscellaneous Each loan will be prefixed with the letters that are listed under Prefix example Loan Setup apply after day 0 The next Title Loan would be numbered TL1 01 Loan Type Prefix NestNo Assign Max Open Loans Omit Use oan Title Loan TL 101 v N First Loan A Renewal Increase The computer would assign the number CashAdvance 100 HUT automatically because there is a check mark in Check Cashing CC 10 55 Default Cash Drawer Balance the Assign Column Max Open Loans column Miscellaneous MS 10 OFO Previous Days Balance willbe should have nothing in itunless you desire to set 0 limit on the number of loans a customer client Next Client No 101 can have open at one time The Omit Column Assign Client No Automatically m t99 oan ard Tianeacton Dates To OCI ext Payment ate should not have any check marks unless you desire to Omit the corresponding loan type from Lock Loan Status the Loans Tab dropdown for type of loan Cheek iita Ld example If there was a check mark in the Omit Check Type Column for Loan Type Check Cashing then Check Cashing would not appear in the Type of Loan field on the Loans Tab The assigned button should always be checked unless you want to assign each loan
177. oan Date and the Next Payment Date The Vehicle type is also automatically populated based upon information previously entered in the Vehicle Tab Copyright 2006 2009 Alpha Omega Consulting Group Inc 82 Title Loan Professional PLUS Help 5 6 m e m 65 222 32 1 Additonal information History z New Loan Save Print You now click on the Save Print button and the following Print window appears showing the Clients Name the Loan Amount the number of Copies to print 1 for customer 1 for filing and the Contact The contract is automatically populated based upon your Company Setup This may be changed by clicking on the arrow to the right of the Contract Name but normally is not used Print Contract Client Donnymyer Samanth Amount 500 00 Copies 2 Contract noi fia You now click the Print button and the contract and all required documents for your area will be sent to your printer It s that simple A loan normally takes around 5 minutes from start to finish Of course your times may vary based upon how much information is keyed in about the customer employment vehicle co applicant contacts etc Making a cash advance To start a new cash advance loan Loan Go to the Clients Window At the lower left hand corner of the window you will see a button called New Account Click on this button to create a new account Copyright 20
178. oan2k_be mdb Enter Titleloan Professional Plus Database File Path Program FilessTitle Loan Professional PLUS Database titleloan2k_b Browse This is the full path to the data file for Title Loan Professional PLUS Example C Program Files Title Loan Professional PLUS database titleloan2k be mdb Cancel OK Data Procedure Data Backup Procedure Once the TLP program is closed on the server and all workstations you should immediately back up the program and data With many computer systems you cannot back up open files so all users should log off and TLP should be closed not running on all user computers before a backup is made On most systems a complete backup of the TLP program and data can be made by backing up the following folder on the computer that hosts the database the server C Program Files Title Loan Professional Plus however some companies for internal reasons may elect to store the program and data elsewhere so if your company has relocated this folder these instructions cannot be followed verbatim although the techniques will be the same To verify that you are backing up the correct data you can check the last modification date on the main database file The full name of this file is titleloan2k be mdb the mdb extension may not be displayed depending on how Windows is configured This file is normally contained in a database subfolder called C Program Files Title Loan Professional Pl
179. oans 172 MVELOC 71 N Name 36 38 Network installations 28 Nevada company setup 61 New account status 103 New loan status 104 Next Client Number 40 Next Number 40 No 40 no liens letter 140 Notes 36 notice 137 142 143 145 148 150 157 offer 163 Copyright 2006 2009 Aloha Omega Consulting Group Inc Index 199 Omega 10 Open Report Errors 114 oregon 151 Oregon company setup 62 Otherloans 49 Otherloans setup 49 other stores 120 Overwrite dialog 20 P Parameters 49 Password 36 PastDue 101 Paste 111 path 122 payment 58 119 120 122 payment processing 53 Payments 100 Payments and other transactions 100 Payoff 102 Payoff Account 102 Payoff Acct 102 Payoff Act 102 PayoffLoan 102 Phone 38 poa 154 156 posted 119 posted transaction 119 power of attorney 154 156 Prefix 40 Preview 103 Principal reduction calculation 44 print 11 103 Print Contract 111 Print Method 50 printing 11 103 privacy 157 privacy notice 157 Profit Per Money Order 49 Program overwrite 20 Program upgrades 34 programmer 14 public 148 Q Questions 118 R receipt 118 165 143 Recurring 42 44 Referral sources 127 refund checks 53 reminder 159 remote 120 remote access 120 Remove a Record 111 Renewal 108 Renewal Activation Date 42 44 Renewal Receipt 47 Renewals 44 108 repo 153 160 162 repo letter 160 162 Report 101 Repo
180. ogram and data elsewhere so if your company has relocated this folder these instructions cannot be followed verbatim although the techniques will be the same To verify that you are backing up the correct data you can check the last modification date on the main database file The full name of this file is titleloan2k be mdb the mdb extension may not be displayed depending on how Windows is configured This file is normally contained in a database subfolder called C Program Files Title Loan Professional Plus Database If your live data file is not stored in the default folder of the computer hosting the database we strongly urge to you consider relocating the file to the default folder Failure to use the default folder may cause any number of problems including not being able to use the instructions and examples in this document Discussing full backup protocols and procedures is beyond the scope of this document but suffice it to say that every company should back up on a daily basis rotating backup media and keeping off site backups It is also advisable to keep a backup log to backup on multiple different types of media CD DVD tape etc and to verify that backup files can be read and restored Failure to do any of the preceding may result in a situation where your company can lose part or all of its data at any time Copyright 2006 2009 Aloha Omega Consulting Group Inc Day to Day Operations 95
181. on the cash drawer Copyright 2006 2009 Aloha Omega Consulting Group Inc Security 189 16 2 Transaction Types Located in the File Maintenance Menu The Transaction Type tells the computer if any transactions are restricted so that non admin users cannot perform them If the Administrators only check box is checked for a transaction type that transaction type will not show up as an available option for non admin users Transaction Types Es Description Category Factor Default Amount Apply to Cash Drawer Places a hold on the account Administrators only Title Loan New Loang 2 1 L z ash Advance 1 T i eomer amens 3 M x Money Order Euston Pamens 3 M L Check Customer Payments E Interest Interest 1 x B Fee Fees zi x g Rt Chk Chrg Fees 21 E B a JRC Payment Customer Payments Jf 1 o0 LI G x Depost Check CustomerPayments 1 x x NSF Paid By CheckCare Customer Payments E L Wiite Off Write Off E af x M RENSF Retumed Check zil x Referral Customer Payments z 1 x y JACStop Payment RetunedCheck 3 T 4 L RCAccoutClsed Retumed Check apoo iv x 25 Discount Discounts 0 25 Origination Fee Fees 1 1 x x
182. osit 122 Active X component can t create object 113 Address 38 Admin 53 Advanced search 185 advantages 10 affidavit 133 135 Aged 101 Aging 101 Aging report 101 agreement 151 AL 108 Alabama 108 Allloan setup 40 All loans parameters 40 Alpha 10 Alternate 49 Amount 44 AOCG 14 APR Calculations Common Percentages 57 Assign 40 Assign Client Automatically 40 authorization 132 B Backdating loans 105 backup 118 121 122 backup server 122 backup 121 Debt 109 Begin configuration 17 Begin installation 17 Beginsetup 17 benefits 10 borrower 150 159 C California company setup 59 Cancel Transaction 111 Capture 111 Cash Advance 49 Cash Advance Calculation Method 47 Cash Advance Contract 47 Cash Advance Contract Copies 50 Cash advance contract list 125 Cash advance daily deposit 193 Cash Advance Length 47 Cash advance parameters 47 Cash Advance Receipt Copies 50 Cash advance setup 47 Cash Advances 40 cash drawer 53 192 Cash drawer adjustment type 188 Cash drawers 126 CD R 121 CEO 14 change 118 Charge 49 Check Cashing 40 Check Cashing Agreement 49 Check Cashing Contract Copies 50 Check register 194 checks 121 169 City 38 Client account status 103 clients 172 173 Collection 101 Collections 101 compact 53 company 59 60 61 62 63 64 71 Company Address 38 Company City 38 Company Logo 38 Company Manager 38 Company Name 38 Company Phone 38
183. ossessed and sold A suit may be filed in small claims court Your account may be turned over to a collection agency resulting in damage to your credit history If you haveany questions or concerns please feel free to contact us at 015 662 9537 Copyright 2006 2009 Alpha Omega Consulting Group Inc Forms Letters Contracts Receipts 165 11 22 Title Key Receipt You may print a Title Key Receipt Simple click on the radio button of either Printer or Screen then using the Loan Number drop down select the Loan Number desired If you have selected Screen you may also send the document to the printer from this window The Title Key Receipt is as shown below Copyright 2006 2009 Alpha Omega Consulting Group Inc 166 Title Loan Professional PLUS Help V Title Loan Professional PLUS Title Key Receipt Alpha Omega Consulting Group Inc 716 Vauxhall Dr Nashulik TN 31221 615 662 537 Date 1 3 2006 Title Key Reciept Customer Ron L Johnson Address 507 Testing St City ate Nashville TN 37013 Account The undersigned hereby acknowledges reciept from Alpha Omega Coreulting Group Inc of the follawing motor vehicle Title and Keys Yes 1997 Ford Model F150 MN 4FTDXO7W2VB5346 License Plate NLZ923 lgnition Key Returned Door Key Returned Title Returned 11 23 VA Military Disclosure You may print a Virginia VA Mi
184. ou can enter the default If the number of terms varies from loan to loan it is best to leave the default terms blank and specify the number of terms at the time the loan is entered The most common payment methods are Default Any non amortized non balloon loan This is the most common payment method The Company Setup for Title Loans solely determines how interest is calculated and accrued SI C DOM An amortized loan with pre calculated interest and a day of month payoff calculation The asterisk is replaced by letters denoting the payment frequency M monthly BM bimonthly twice per month BW biweekly every two weeks The interest is calculated and applied per the precalculated amortization schedule and the interest does not vary from the amortization schedule until the loan is paid off in full When the loan is paid off there are two payoff methods The first method writes off all unearned interest for the current month and all future interest but does not discount any interest for prior periods The second payoff method is a true daily interest payoff The program recalculates the interest from day one up to the payoff date and adjusts the payoff amount accordingly Default Company Setup Daily Accrual Method An amortized loan with a true daily periodic interest accrual per the Company Setup for Title Loans The asterisk is replaced by letters denoting the payment frequency M monthly BM bimonthly twice per month BW biweekly
185. oup Inc Nashville Message HTML i O x File Edit View Insert Format Tools Actions Help Subject Daily Reports for Alpha Omega Consulting Group Inc Nashville Attach Ed check Reaister snp 3 KB ER Client List snp 6 KB Attachment Options 13 2 Clients with Multiple Loans This selection permits the user to print a list of All Clients with Multiple Loans to the screen or printer as shown in the example screenprint below Copyright 2006 2009 Alpha Omega Consulting Group Inc Reports 173 i rptClientsWithMultipleLoans Report Clients VVith Multiple Loans Report Alpha Omega Consulting Group Inc 716 Vauxhall Dr Nashville TN 37221 615 662 9537 Account number Client Harne Social SecurityHo Phone 2311 F Adams 132 655 4789 615 321 3211 Loan Number Status Loan Date Due Date Current Balance CA483 Past Due 10 20 2003 11 3 2003 230 00 TL To Be Repoed 10 20 2003 11 19 2003 2 030 00 TL8 To Be Repoed 12 2 2003 1 2 2004 3 840 00 TL145 To Be Repoed 11 25 2003 12 26 2003 808 13 Total Loans for this client 4 6 908 13 Account number Client Name Social SecurityHo Phone 565 Ron L Johnson 56489 4523 615 654 9871 Status LoanDate Due Date Loan Amount Current Balance Past Due 10 9 2003 10 23 2003 300 00 3330 00 To Be Repoed 9 25 2003 12 9 2003 2 000 00 5 715 20 Total Loans for this client 2 2 300 00 045 20 Grand totals Total i
186. our software You can test this easily by printing a check with our software on your current check stock Copyright O 2006 2009 Alpha Omega Consulting Group Inc Reports 171 13 Reports The Reports section of this Help file contains information regarding Reports that are available in Title Loan Professional PLUS NOTE If you have an internet connection you can Click Here to view all contracts letters forms reports receipts and notices that are automatically generated by Title Loan Professional Plus Alpha Omega Consulting Group Inc Tel 615 662 9537 A Fax Tet 0254 Email sales aocg com 13 1 Email Daily Reports The Email Daily Reports section of Title Loan Professional PLUS is where you can email selected reports to individual s This window will stretch to show more than one report 2101 x E Description Email Report From Date fi 713 2006 To Date fi 13 2006 Email Close Form To e mail the selected Daily Reports you must be using Microsoft Outlook as your e mail client Outlook Express will not work Go to Reports then select Daily Reports from the menu Select the Copyright O 2006 2009 Aloha Omega Consulting Group Inc 172 Title Loan Professional PLUS Help report to e mail by using the up or down arrow on the right side of the box Enter the appropriate Email address then click Send Daily Reports for Alpha Omega Consulting Gr
187. ours Alpha Omega Consulting Group Inc Raterkk Aden Copyright 2006 2009 Aloha Omega Consulting Group Inc 150 Title Loan Professional PLUS Help 11 12 Notice to Title Loan Borrower You may print a Notice to Title Loan Borrower Simple click on the radio button of either Printer or Screen then click the OK button If you have selected Screen you may also send the document to the printer from this window E3 Notice to Title Loan Borrower The Notice to Title Loan Borrower is as shown below Copyright 2006 2009 Alpha Omega Consulting Group Inc Forms Letters Contracts Receipts 151 V Title Loan Professional PLUS rptNoticeToBorrower Report 1 Edit Reports Forms Letters File Maintenance Security Tools Window Help x 4 OBB This Notice Must Be Provided Prior To Accepting A Title Loan Application Alpha Omega Consulting Group Inc 716 Vauxhall Dr Nashville TN 37221 615 652 9537 Monday FridayGam 7pm Saturday 9am 3pm NOTICE TO BORROWER 1 Your automobile title will be pledged as security for the loan If the loan is notrepaid in full including all finance charges you may lose your automobile 2 This lender offers shortterm loans Please read and understand the terme of the loan agreement before signing I have read the above NOTICE TO BORROWER and understand that if do not repay this loan may lose my automobile
188. pe a message here and it will replace the default Copyright 2006 2009 Alpha Omega Consulting Group Inc Statement v Setting up your Company in Title Loan Professional Plus 53 4 11 4 12 4 13 Admin Tab Automatically compact the data file after how many days Defau It is 15 Automatically compact the data file after how many days How many automatically generated backup files would you like to keep on you Use the loan verification screen when processing Cash Advances How many automatically generated backup files would you like to keep on your computer Default is 5 Use automatic batch payment processing Do not allow users to view the cash drawer Warning You should institute some type of backup routine to insure the employee screen visible only by administrators that your customer data loans etc are restorable should something Print refund checks for loans with credit balances happen to your backend database containing your loans customers or any transactions that have occurred since you started using the Title Loan Professional Plus program See Data Backup Procedure 16 Use the loan verification screen when processing Cash Advances This is not used Use automatic batch payment processing This is not normally used except by very large operations Do not allow users to view the cash drawer This should be checked if you do not want your employees with User Rights to vi
189. pear Do not log in Instead click the Cancel button and the program will close Do not restart the program until the next day and then be sure your computer system date and time are correct before restarting the program Restarting the program incorrectly will cause a new cash drawer to be opened and if there are two cash drawers with the same date the cash beginning balance on the Daily Summary and other reports may be wrong The computer cannot have two different beginning balances for the same day After you have done step number 5 above you should always do the remaining steps in order log off and close the program If any additional loans or transactions need to be entered they should be entered the following day using the next day s date 8 Once the program is closed you should immediately back up the program and data Backing up the store data Data Backup Procedure Once the TLP program is closed on the server and all workstations you should immediately back up the program and data With many computer systems you cannot back up open files so all users should log off and TLP should be closed not running on all user computers before a backup is made On most systems a complete backup of the TLP program and data can be made by backing up the following folder on the computer that hosts the database the server C Program Files Title Loan Professional Plus however some companies for internal reasons may elect to store the pr
190. pped Folder Copy G Desktop create shortcut Em Wireless G Notebook p M Adapter with SpeedBoost Remove from This List DirectCD Drive D Rename _2 Mail Recipient L Desktop Je File Edit View Favorites Tools Help ay Bak y Search fy Folders Folders m hp toolkit P o 8 m Documents My Documents My Computer ja akar Network Recyde Bin Internet 3 My Computer Explorer 5 Ss Local Disk C c r PSP 0 301b57950bdai2a42c 25 AI AOCG Microsoft Ad AwareSE Adobe Adobe Reader Jasc Paint Breit Technologies Outlook Personal Photoshop Shop Pro 8 C3 pas 1 A m 99 a 2 CurrentFullVersion E en eo D3Temp Symantec tcuts NE eus c ywher C3 Documents and Settings Al Users f ETN al 4 amp C Application Data iM Desktop FOXPRO Microsoft TitleLoan SamSpade Spybot 25 Favorites Word Professional 1 14 Searc Shared Documents PLUS m E Templates Default User SpywareBla amp C Fred amp C3 Owner amp T I Copyright 2006 2009 Aloha Omega Consulting Group Inc 28 Title Loan Professional PLUS Help 3 13 Network Installations You can attempt this setup method but we recommend you use the standalone method for each computer in your store location and call AOCG and we will help you with networking Title Loan Professional PLUS on your comput
191. propriate cash drawer 5 If you are the first person to log in for the day you have the option to change the cash drawer beginning balance This is allowed on the first login for the day only However some companies may want a tight audit trail of the cash drawer s and may not want the beginning balance changed arbitrarily Please make sure you follow your company s policies in this matter After the cash drawer beginning balance has been established corrections can be made by submitting cash drawer adjustments but the beginning drawer balance cannot be changed after the first login for the day 6 If you are the first person to log in or are logging in because of a shift change it s always a good idea to make sure the computer s cash drawer balance matches the actual cash drawer If it doesn t please notify the proper person in your company immediately so that the problem can be rectified Program Group Notes Do not select any of the TLP program group options if anyone else is running the program The other options are for compacting and or repairing the TLP program and data files when the program is not in use They should not normally be needed but may come in handy for instance if the power went out while the program was in use and a program or data file was corrupted as a result Also if the program is starting to seem slower than normal compacting and repairing the program and data files can often result in a speed increase
192. puter using a Windows Administrator account If you are not sure if your account is a Windows Administrator account click Start then Control Panel then the Users icon You may view your credentials there There are two 2 ways to install Title Loan Professional PLUS on your computer 1 Host Installation You can install Title Loan Professional PLUS on a computer setting it up as your Host Computer This means that all other computers clients or workstations in your store will use the backend database stored on the host computer 2 Client Workstation Installation You can install Title Loan Professional PLUS on a computer setting it up as a client workstation computer This means that it runs the Title Loan Professional PLUS software locally but connects to the backend database located on the Host Computer You may install Title Loan Professional PLUS on as many computers as you have in your store with one license without purchasing additional licenses If you have more than one store location you must purchase a license for each additional store location Example If you have three computers in your store located at 123 Anywhere Street you can setup install Title Loan Professional PLUS on one computer using the Host Installation method then on the other two computers using the Client Workstation installation method All computer share the information stored on the backend database of the Host computer If you have a second store located
193. r ask you if you want an account number assigned automatically The fields in red are required fields They must be populated before going to the next Tab ame Phone iSIEOSSE DediLm KelPhoe AdweAcomms 1 Account Status Personal Employment Vehicle Co Applicant Contacts Current Loans Notes Merchants SalesPersons i How did you hear about us Referral Current Address Address 108 Robin Hood Circle FrtName Address2 Last Name E City County usa State TN a BIG ANE Zip 37144789 Howlong Y 2 Cellular Phone SSN 413939009 DLNumber 54234566 State TN Pees Sener DL Expiration 8 30 2008 Address jin Sex M z Address2 ii Race Other Height City Eye Color Blue Feet 0 Inches 0 Zip New Account Print Label Client Lookup Data Verification Sheet Next is the Employment Tab On this tab you enter information about the customer clients employment You can also create a quick Income and Expenses statement that you can print to see if the customers is capable of paying back the loan amount Copyright 2006 2009 Alpha Omega Consulting Group Inc Accounts and Loans 99 6 2 Client file Current user is admin ston Calvin Brazier Current Balance ome Phone redit Limit E Cell Phone Active Accounts 06 28 2007 Account Number Personal Employment
194. ram becoming a dead end That s the primary complaint we ve heard from customers who have switched to our program from other programs Some of these companies have paid up to 30 000 for software only to find the software vendors wouldn t support the software wouldn t or couldn t change the software or simply vanished Our track record of 30 plus years as software developers speaks for itself and we are actively changing our Title Loan Professional software for new customers on a daily basis e A second major advantage is that our software is not based on proprietary software which means your data is locked into a single program and a single vendor Our software is based on the most popular database on the planet Microsoft Access If you have or buy a copy of Microsoft Access Copyright 2006 2009 Aloha Omega Consulting Group Inc Alpha Omega Consulting Group Inc Company Info 11 you can create your own reports do your own ad hoc queries such as how many of our customers below the age of 21 have written bad checks export your data to spreadsheets like Excel link your customer file to mailing lists etc Also Title Loan Professional is not a jury rigged car lot or pawn shop program or a 20 year old update of a DOS program It was written for the Title Loan and Cash Advance industries from scratch and the development of this program was to the specifications of many stores in the Title Loan and Cash Advan
195. rd 150 VIN TFTDXUT W2v KB5 465 reposse sse d tom you or 1 1320D6 i prese ity eget ed with te Sece tai byorriame siblecto a lei h GuorotApla Omega G rotp ho T 16 Van kal TN 37221 You are ke eby rotid that Apia Omega G pip lic Ke ids b apply tothe Sece tar of SBE D tars kr the tte D the ue kick repossessed yot D ts orotrarspiee YOU MAY STO P THIS TRANSFER O F TITLEby Apia Omega Cont tih lic Apia Omega Conse Group hc 716 Vatzlall Dr Nachle TN 37221 deterse you may bale 0 the tans eroftie the aid kstance rew Certfftate of Tite The Dek ase mastbe ecetiedby te cedibrwtih 21 ore covtahed b the Betparagapi of e ter Dek dots Bat yot will kawe yourue bik Et Ned bot IT DOES MEAN THAT THECREDITOR WILL NOT APPLY FORA NEW CERTIFICATE OF TITLE TO THE VEHICLE WITHO UT OBTAINING ACO URT ORDER ENTITLING THE CREDITOR POSSESSION OF THE VEHICLE You mayasse tany de ise you kale b the amoritctimed or owed on the cortractb the epostessbi orrgitb tie repossess or any othe rde alkwedby EN 0 tie ce dipbrs claim basis ofyourder ise Ir huald yot maybe Ib ib Apia Omega Corsa tag Grotp lic Dre cort bet med by the deterse becatse tch hualkdy Ifyou be leue you may have a Getease D the Ite P ore d seek bgaladube Sici adike may romali be obtalied free from avy
196. re is an additional transaction to move 1 250 in excess cash from the cash drawer to an in store vault Adjustments that decrease the cash drawer balance are entered as negative amounts and adjustments that increase the cash drawer balance are entered as positive amounts Amount 2 750 00Description Deposit checks and money orders to Bank One Amount 1 250 00Description Transfer excess cash to Vault After all such adjustments have been entered and submitted be sure to check the cash drawer adjusted balance to make sure the transactions were entered correctly Entering an adjustment with the wrong sign positive for negative or vice versa is easy to do so you should always re check the drawer before closing the drawer When and only when the cash drawer adjusted balance is correct click the Close Drawer button then close the cash drawer window 7 At this point go to File then to Logoff As soon as you log off the login dialog will appear Do not log in Instead click the Cancel button and the program will close Do not restart the program until the next day and then be sure your computer system date and time are correct before restarting the program Restarting the program incorrectly will cause a new cash drawer to be opened and if there are two cash drawers with the same date the cash beginning balance on the Daily Summary and other reports may be wrong The computer cannot have two different beginning balances for the same day After
197. reappear but you must be careful that they end up in the right location within the Program Files folder If you are using special backup software your backup procedure will be different It is beyond the scope of this documentation to discuss every possible way that backups can be made If you have any questions about how to back up please consult with the person in your company who decides on such matters as we do not know the company policies of our customers However you back up it is important to make sure your backup files are accessible and can be restored when necessary Example backup session On the computer hosting the TLP data go to My Computer Note the drive letters of the local hard drive and the backup drive In this example the local hard drive is C and the backup drive is a CD RW drive D Double click on the local hard drive icon C Browse down to the Program Files folder and double click it Browse down to the Title Loan Professional PLUS folder and left click it to give it focus Right click on the highlighted Title Loan Professional PLUS folder Select Send To from the menu Select the destination drive which in this example is the CD RW drive D What happens next depends on the version of Windows being used whether the CD has pre existing files on it whether the CD has room to save the files being copied and whether your computer uses special software or a wizard to burn CDs It is always a good idea to check the CD o
198. required information as requested by your company management you proceed to the Loans Tab Loans Deis Tile Loan Fee 20 00 You click on the New Loan button located a the lower left hand corner of the window All information is cleared and you now select the type of loan desired In this case Cash Advance Copyright 2006 2009 Alpha Omega Consulting Group Inc 86 Title Loan Professional PLUS Help Once you have selected Cash Advance the loan Number automatically appears to the right of the Type of Loan designated by Number In this case CA101 The cursor automatically highlights the Loan Amount You must now enter the amount of the Loan In the graphic below we show a loan in the amount of 500 00 The program automatically populates the Fee Interest for the loan based upon settings in your Company Setup It also populates the Loan Date and the Next Payment Date The bank information is populated automatically based up what was previously entered in the Employment Income tab Copyright 2006 2009 Aloha Omega Consulting Group Inc Day to Day Operations 87 You now click on the Save Print button and the following Print window appears showing the Clients Name the Loan Amount the number of Copies to print 1 for customer 1 for filing and the Contact The contract is automatically populated based upon your Company Setup This may be changed by clicki
199. riod based on the average daily balance Max Days is not used anymore Due Date Calc is normally default With Payment tells the computer that if the persons pays all the interest that is owed by a certain date automatically they get the loan length number of days before they have to make a payment If you do not understand this please call AOCG Renewal Activation Date is only used in Tennessee It is 11 01 2005 Leave blank for all other states Use Progressive Due Date Calculation Method The normal answer is Yes If someone makes a payment and they are not current the due date will move forward to the end of the last period they paid in full If No is selected when the customer becomes past due the due date freezes and it 44 Title Loan Professional PLUS Help 4 5 4 6 At this point you would start to configure the Company Setup Alternate Interest and Fees Charged after last term section Click link to go to Title Loan Tab Alternate Interest amp Feesi Title Loans Tab Alternate Interest amp Fees The Alternate Interest and Fees Charged after last term section applies only to the state of Georgia If you are in the state of Georgia the Amount will be 12 5096 the Description should be Renewal Fee the Type should be MPR Recurring should be checked and Accrual Period should be Monthly Apply Late Fee should be Do Not Apply or blank Afvfemate inlerest and FeesrClhargeg
200. roducts and services Unlike many computer companies these days we answer all calls quickly and never put our customers on hold for long periods of time If you have any questions about our software you can contact us by phone at 615 662 9537 or toll free at 866 802 5742 or you can contact Mike Burch by e mail at mikerburch gmail com If you need to contact anyone else in our organization Mike will be more than happy to put you in touch with them including our programmers and technicians To contact our AOCG Technical Support persons click 14 NOTE THE MOST UP TO DATE VERSION OF THE HELP FILE IS OUR ONLINE VERSION WHICH IS UPDATED MORE FREQUENTLY THAN THE PROGRAM ITSELF IF YOUR COMPANY HAS INTERNET ACCESS YOU CAN ACCESS THE CURRENT ONLINE HELP FILE FROM WITHIN THE PROGRAM BY CLICKING THE ONLINE HELP HYPERLINK ON THE PROGRAM S HELP SPLASH SCREEN THE FORM THAT APPEARS WHEN YOU CLICK HELP ON THE PROGRAM S MENU OR BY GOING TO WWW AOCG COM AND CLICKING THE TLPP HELP HYPERLINK IN THE MENU AT THE TOP OF THE MAIN PAGE Alpha Omega Consulting Group Inc Tel 615 662 9537 Fax 615 751 9975 Email sales aocg com Version 02242009 Features and Benefits e Our Title Loan Professional program has a number of advantages over other programs First our software is completely customizable so if you do things differently from other companies or if you re in a highly regulated state you don t have to worry about your new prog
201. rogram group Click on Title Loan Professional Plus to start the program For customer security reasons and to aid in the help of your initial company setup you should call toll free 1 866 802 5742 for technical support to help with your login password and company setup options When prompted for the login the first time use User Name call AOCG at 866 802 5742 Password call AOCG at 866 802 5742 Select a Cash Drawer Drawer 1 Enter the Cash Drawer balance or leave as 0 00 Note The program may be setup to automatically display the cash drawers starting amount Click the Login button to continue Allow the Daily Update to run When the Daily Update has completed click the OK button Go to Tools then Company Setup Copyright 2006 2009 Aloha Omega Consulting Group Inc Installing the Title Loan Professional Plus Software 23 Login TITLE LOAN PROFESSIONAL LOGIN User Name Password Cash Drawer M Drawer Balance 3 10 1 User Name You will not be permitted to use the Title Loan Professional Plus program without a User Name and Password Your employer should have assigned you a User Name and Password so you can access the system If you do not have an assigned User Name and Password please contact your supervisor or store manager Note You must have Administrative privileges in order to setup an employee with a User Name and Password 3 10 2 Cash Dr
202. rower has no prior liens against the vehicle Print Title Key Receipt at payoff A form that says the borrower did receive his title and keys upon paying the loan off Notice To Title Loan Borrower Reminds the borrower that this is a high interest rate loan and should you have other sources of credit you should probably use them This is to keep the customer from saying they didn t know what kind of loan they were getting into Non Renewal Notice Only used in Tennessee if you wantto print a form with the payment saying if the customer doesn t meet the terms ofthe agreement the loan will not be renewed Renewal Notice Only used in Tennessee Copyright 2006 2009 Alpha Omega Consulting Group Inc Setting up your Company in Title Loan Professional Plus 4 7 Cash Advances Tab 47 Copyright 2006 2009 Alpha Omega Consulting Group Inc 48 Title Loan Professional PLUS Help Cash Advance Length days The most common entry here is 14 for a default 14 day loan This field does not limit the number of days a loan can be this is merely the default most common loan length in days Minimum Loan Length in days Normally left blank unless you have a Minimum Loan Length Maximum Loan Length in days Normally 30 or 31 This sets a limit for the maximum loan length in days Some states limit the maximum number of loan days so be sure to use the correct upper limit for your state
203. rts 50 101 171 Reports Forms Tab 50 repossession 158 160 162 repossession letter 160 162 Requires NT Service Pack 6 or higher 114 Return Check Fee 40 rights 143 ET sale 148 Screen 111 Screen shot 111 Screenshot 111 Search options 184 Security 36 53 188 Select store database 180 Self extracting demo 34 server 120 122 settlement 163 settlement offer 163 Setup 58 59 60 61 62 63 64 71 119 120 128 Signature 38 120 Software Shortcut 26 Copyright 2006 2009 Alpha Omega Consulting Group Inc 200 Title Loan Professional PLUS Help South Carolina company setup 63 Specialkeys 114 State 38 State specific company setup 59 Statement 51 Statements 51 Statements Tab 51 Store closing procedure 177 Store opening and closing procedures 176 Store opening procedure 176 stores 120 switch 123 Re ee Tab 50 take apayment 120 TeleTrack 38 103 Teletrack file 33 Teletrack Inquiry 103 Tennessee company setup 64 tile 119 165 Title Loan 108 150 Title Loan Contract Copies 50 Title loan contract list 129 Title loan parameters 42 44 Title Loan Payment Methods 58 Title Loan Payoff 102 Title Loan Receipt Copies 50 Title Loan Renewal 108 Title loan renewals 102 Title loan setup 42 44 Title loan shortcut 26 Title Loan Tab 42 44 Title Loans 40 108 TL 108 Tools 192 transaction 119 Transaction types 189 U Update Status of Inactive Loans 40 User 36 User
204. s starting to seem slower than normal compacting and repairing the program and data files can often result in a speed increase Startup Messages If you get an error message that a file may have been moved renamed or is unavailable or inaccessible for any reason do not proceed If you change the database filename or pathname to an incorrect file you may end up working on a backup copy of your company s database or using a demo database or other invalid database If your computer cannot open the proper database you may have a network problem of some sort Always call AOCG if you receive any unusual messages when starting the program and please leave the message on the screen until you call us We can t help if you tell us a weird message came up We need to know the actual error message Thanks Store Closing Procedure Store Closing Procedure The store closing procedure is as follows Please keep in mind that these are general instructions and your company may have policies and procedures not documented here The steps to close the day are 1 Make sure that all loans receipts and other transactions for the day have been entered If you close the day and later find unentered loans or transactions it is generally best to enter them the following day using the next day s date as the loan or transaction date If you don t do this you can lose date integrity For example suppose that you are three days into the current month CM with a
205. s the Submit button The system will prompt you to print a receipt You are done Copyright 2006 2009 Aloha Omega Consulting Group Inc Accounts and Loans 101 Fransactians 11472004 Tile Loan 30000 11 42004 Tite Lien Fee 1500 x7 1174 2004 Interest Print Receipt Born Frederick 123 05 6 4 Aging Report To obtain what is commonly called an Aging Report i e a report that ages loans based on how old or how delinquent they are use the Outstanding Loans by Due Date This report sorts loans by due date from the oldest loans to the most current loans This is a good report to use when making collection calls or when determining which loans to write off Copyright 2006 2009 Alpha Omega Consulting Group Inc 102 Title Loan Professional PLUS Help 6 5 6 6 6 7 Title Loan Payoff Daily Interest Method Daily Interest Method Calculating a loan payoff on a loan with interest posted daily is not done using the Payoff Act button on Additional Information for a very simple reason there is no interest reduction on a loan where interest is calculated and posted on a daily basis The payoff amount for such a loan is simply the current loan balance the principal plus all accrued interest and fees So to pay a daily interest loan in full simply have the customer pay the current loan balance and enter the payment as a regular
206. setup South Carolina TL Setup Please note that the guidelines below are simply comments about how we have seen clients set up their companies and South Carolina state regulations obviously supersede these comments You should be very careful to make sure your company setup complies with all current South Carolina and Federal regulations which are subject to change and interpretation Use loan suffixes This option is not generally used by our clients However if you want your loan number to be suffixed with an N for new loan R for a renewal or an for a loan increase check this check box Please note that you should not use the renewal or loan increase features on an installment loan An installment loan must always be paid off in full and rewritten from scratch as a new loan Interest rate 300 0096 APR just an example of a rate we ve seen For daily interest loans the initial box will be unchecked and recurring will be checked If there is a Title Lien Fee and daily interest is being used the title lien fee normally 15 00 should be set up as a Fixed Rate with Initial and Financed checked and Recurring not checked This should not be entered on the line immediately below the Interest line but on the next line below line two is reserved for origination fees that convert to renewal fees and other special instances Assuming daily interest is being used the accrual period should be daily the max days should normally be 240 an
207. sippi state regulations obviously supersede these comments You should be very careful to make sure your company setup complies with all current Mississippi and Federal regulations which are subject to change and interpretation This is a sample company setup for a single Mississippi client and the options you choose may be different if you elect to operate your company differently Interest rate 25 0096 MPR For daily interest loans done on an accrued loan length period of 30 days the Initial box will be checked and Recurring will be checked If there is a Title Lien Fee and daily interest is being used the title lien fee normally 10 00 or 15 00 should be set up as a Fixed Rate with Initial and Financed checked and Recurring not checked This should not be entered on the line immediately below the Interest line but on the next line below line two is reserved for origination fees that convert to renewal fees and other special instances If your company does not charge a Title Lien Fee simply change the amount field to 0 00 or blank out the field It is our understanding that in Mississippi daily interest are unlimited in length Therefore the Max Term field should be blank the Accrual Period should be Loan Length the Max Days should be 0 or blank and the Due Date Calculation will be either blank or Default if the due date is to be changed in fixed 30 day periods or with payment if the next due day is to be 30 days from the da
208. so that the screen changes the press Control Alt Printscreen to capture the screen Then go to a program that can print graphic images such as Microsoft Paint or Microsoft Word Press Control V to paste the clipboard into a document and you now can print the screenshot You can use the same steps to create a user manual with a wordprocessor like Microsoft Word or Wordperfect Copyright 2006 2009 Alpha Omega Consulting Group Inc 112 Title Loan Professional PLUS Help 8 2 Errors Database Moved Error These directions can be followed if you get an error message that the database has been moved or is not in the expected location You must be logged in as an administrator in the Title Loan Professional PLUS program to proceed with these steps Click the Browse Button If necessary change the Look In folder to the correct folder Use the black drop down arrow to the right The normal location of store databases if the database is located on the computer being used is My Computer Local Disk C Program Files Title Loan Professional Plus database titleloan2k_be mdb full version titleloan2k be mdb demo version fake data titleloan2k be mdb demo version with fake data When you have identified the correct data mdb file double click on it You should see a message at the bottom left of the screen with a progress indicator that says attaching tables or very similar message You will then get a login s
209. sulting Group Inc Tel 615 662 9537 M Fax 615 662 8383 Email sales aocg com This program will lead you through the installation and configuration of your copy of Title Loan Professional Plus Hit the nest button below to continue Installation program written by Ryan Bennett Version 1 2 234 Quit Installation Step 1 This will be a Standalone installation Network client and host installations are covered later in this help file Leave Standalone as the default and click Next gt gt to move to the next step For network installation instructions click on this link 28 Copyright 2006 2009 Aloha Omega Consulting Group Inc 18 Title Loan Professional PLUS Help ram ion Wizard Step 1 n foe fim The installation wizard needs to know the configuration of the application s machine Please answer these questions below If you are in doubt about any of these settings please call Alpha Omega Consulting Group at 866 802 5742 Role Setup Help This machine will be the host This machine will be a client machine of a host Standalone Next gt gt 3 4 Installation Step 2 Usually in step 2 the installation will be a first time If the installation is not the first time just select This is NOT the first time the program has been installed Select Next gt gt to go to step 3 CX Installation Wizard Step Sox The program needs to know if you have ever installe
210. t can t create object If when running TLP you get an error Copyright 2006 2009 Aloha Omega Consulting Group Inc Editing and Troubleshooting 113 8 2 1 message like ActiveX component can t create object or if you can t use the Select Store Database dialog after you select the file to open the dialog doesn t reappear and you get an untitled window with only the options File Window and Help you may have two different versions of Access or Microsoft Office installed on the same computer A simple solution is to set up a shortcut for TLP that tells Windows exactly which version of the Microsoft Access runtime to use This can be done by browsing to the correct MSACCESS EXE runtime file which is normally in the folder C Program Files Common Files Microsoft Shared Access Runtime Office10 and right clicking the MSACCESS EXE file the EXE extension may not be displayed in which case the filename will be MSACCESS After right clicking the file select Send To then select the Send To Desktop create shortcut option Next go to the Windows desktop find the shortcut right click the shortcut select Properties then on the Shortcut Tab change the Target field to read C Program Files Common Files Microsoft Shared Access Runtime Office1 0 MSACCESS EXE Runtime C Program Files Title Loan Professional PLUS titleloan2k mdb Please note that this is one long text line with the only spaces being before and after R
211. t the original date of the paid off loan or any other backdated date Backdating installment loans is not supported by AOCG Daily interest loans You can backdate daily interest loans to the last renewal date but TLP will not know the interest and fees due as of the current loan date Therefore once the loan is added someone with administrator access should manually adjust the interest and fees due on the loan before the next daily update runs If the initial principal fees and or interest are incorrect the daily update procedure will not work correctly on the loan in question Copyright 2006 2009 Alpha Omega Consulting Group Inc 106 Title Loan Professional PLUS Help Accrued interest loans loan length method The discussion for daily interest loans applies for loans with interest accrued on the loan length method Cash Advances You can backdate cash advance loans to the last renewal date and TLP will calculate the normal interest and fees due If there have been any changes in fees or interest on the loan someone with administrator access should manually adjust the interest and fees due on the loan before the next daily update runs If the initial principal fees and or interest are incorrect the daily update procedure will not work correctly on the loan in question Copyright 2006 2009 Aloha Omega Consulting Group Inc 108 Title Loan Professional PLUS Help 7 1
212. t to add a new client status or a new loan status you can do this if you have a full version of Microsoft Access installed on your computer If you don t have a full version of Microsoft Access you will have to call AOCG and have us make this change for you and we will need to be able to access your system with pcAnywhere to do this Please note that whenever you directly change any TLP database table using Microsoft Access and not the program problems can result if you don t follow the directions exactly You are operating outside program control and Microsoft Access simply assumes you know what you re doing and does whatever you tell it to do Please do not extrapolate on these instructions and use the techniques discussed here to edit other tables Operating outside normal TLP program control is not advised under any circumstances for any undocumented purposes other than for creating new queries and reports that do not change the underlying data tables in any way Adding a new client account status 1 First make sure that you have a current backup of your program and data files Copyright 2006 2009 Alpha Omega Consulting Group Inc 104 Title Loan Professional PLUS Help 6 10 2 Next make sure that all other users have logged out of TLP 8 Run TLP on a computer with the full compatible version of Microsoft Access currently Access 2000 or higher although compatibility can change as new versions o
213. ter a loan Otherwise the cursor will drop down to the loan amount field For cash advances the amounts you can enter are limited to those in the Cash Advance Fee Table see the next section For title loans you can enter any amount in the loan amount field At this point the system will calculate fees and interest Click the Save Print button The system will prompt you to print a contract You are done Copyright 2006 2009 Aloha Omega Consulting Group Inc 100 Title Loan Professional PLUS Help 6 3 07 23 2008 Personal Employment Income Vehicle Co Applicant Contacts Loans Notes Merchants SalesPersons aang Title Loan Fee 20 00 Apply Transactions _ 1 453 50 EAM 12 E Demt f New Loan severe Payments and Other Transactions To enter a payment The easiest way to enter a payment is to start with the Loan Lookup On the menu bar click Edit then Loan Lookup Enter the client s name last name first name After the client is found a list of loans should appear in the combo box Double click the loan and the system will open the Client form and go to that loan At the bottom of the side of the screen that says transactions is where you enter all loan transactions The default transaction type will be cash and the default amount will be the minimum payment due on the loan If this default information is correct just pres
214. the Title Loan Professional Plus Software 33 3 14 LA Status 98 Install complete Overall Installation Progress Network Progress Install complete x Installation completed successfully Click ok to open your copy of Title Loan Professional Plus Please note if you had to install the access runtime on this machine you may need to restart the computer before Title Loan Professional Plus will run correctly KI opied yvoWwoungercalvin pg to your system 11 19 2008 12 37 58 PM Copied bbapi dll to your system 11 19 2008 12 37 58 PM Copied cougard dll to your system 11 19 2008 12 37 58 PM Copied titleloanprofessionalhelp chm to your system 11 19 2008 12 37 58 PM Copied vncviewer exe to your system 11 19 2008 12 37 58 PM Copied vnchooks dll to your system 11 19 2008 12 37 58 PM Copied winvnc exe to your system Teletrack File If you have problems using Teletrack within Title Loan Professional the most common problem is that an updated version of a DLL Dynamic Link Library is needed The file needed is cougard dll and it should be placed in the c Program Files Title Loan Professional PLUS folder If you need this DLL file you should be able to get it from Teletrack or you can call AOCG and we can e mail it to you To install the new Teletrack cougard dll file you must obtain the latest version of the file either from Teletrack or Alpha Omega then Close Title Loan Professio
215. the loan from Past Due to To Be Repoed you want a large number in this field like 999 If you want the program to move a customer from Past Due to To Be Repoed you need to tell the program how many days late If you are doing a 30 day loan and you wantto take the customer to To Be Repoed in 45 days you would put 15 Title Loan Contract Select a contract for your state If not in the United States select an Any State contract Contract Printer Select the printer you want the contract to go to Receipt Receipt 5 is our most common receipt If you are in Virginia Kansas or lowa we recommend Receipt 6 Renewal Receipt Only used if you are doing manual renewals Print Checks for Title Loans Should only be checked if you have laser checks compatible with our software If you need to order checks that are compatible Print Power of Attorney Will print a Power of Attorney with the contract This is used should you need to go to court Print Privacy Notice Required by law Print Affidavit of Fact Not normally used It is if a customer has a different name or alias It basically says the customer has two or more names Print Reminder to Borrower Reminds the borrower that this is a high interest rate loan and should you have other sources of credit you should probably use them This is to keep the customer from saying they didn t know what kind of loan they were getting into Print No Liens Letter A letter stating the bor
216. tion Previous Address Sex a lt lt Previous Ful gt gt N Save Undo Client Lookup Personal Tab Contains personal information about the customer such as First and Last Name Date of Birth Age Home Phone Cell Phone Current Address Previous Address etc Copyright 2006 2009 Aloha Omega Consulting Group Inc 84 Title Loan Professional PLUS Help Gih Emm Phone 7 Adde TT Cy State say ina Length Of Employmeni Years Weekly Household Income 0 00 DiecDepos Direct Depost Date Employment Income Tab Contains information regarding the customers employment such as Employer Name Phone address information salary etc Personal Employment income Vehicle CoAppicent Contacts Loans FastName Midd intial Last Name Phone TT so 1 Ni axes En Nu w Adden2 WokPee Gy wees o County Length Of Employment Sate z Co Applicant Tab Contains information regarding a Co Applicant if there is one Copyright 2006 2009 Alpha Omega Consulting Group Inc Day to Day Operations 85 Contacis Tab Contains information on the customers contacts Persons you may need to contact to locate the customer such a friend mother father girlfriend etc Once you have entered all of the
217. to click the View Transaction button to view the Cash Drawer Reconciliation Report which shows all transactions and adjustments for the current cash drawer 3 Next go to Reports and print the daily detail reports your company uses at the end of each day An example of daily reports used to close and balance might be the Daily Transaction Report which details new loans fees and interest the Daily Receipt Log which details monies received and perhaps the Loan List which shows the principle interest and fee balances of each loan Your company may elect to add to or subtract from the reports to be printed and balanced in which case it would be advisable for each store employee to be given step by step instructions AOCG Copyright 2006 2009 Alpha Omega Consulting Group Inc 178 Title Loan Professional PLUS Help recommends an end of day checklisi which some companies may eleci to have initialed and filed for each day by the person doing the closing 4 Next print one of the various Daily Summary reports The example given here is for the Daily Summary Single Date Version Your company may elect to use another report for balancing and closing in which case the process may be somewhat different In this example select the Daily Summary Single Date Version Be sure the date chosen is the day being closed This date will normally default to the current system date Click the Refresh button which causes t
218. to recebe rimate ofthe to mpossess take ping bal posses be of and MAKE h the eue tof e Gilt any cbigaton to Apia Mg Groip lic 1997 fiso Model Year Mode JFTOXOT W2v KISHE Nzoz IM sar VIN lease Swon aid stbecrbe bere me Spiane ofower Notary Pablic Sigiatie of co owner Comm ska Expires Specimen ofappolitee siat re Notualld sigiatire The specimen appohitee shallbe a R presen tatie pia thg Grotp Inc ANY ALTERATIO NSO STRIKEOUTS SHALL VO ID THIS POWER OF ATTORNEY 11 17 Privacy Notice You may print a Privacy Notice Simple click on the radio button of either Printer or Screen then click OK button If you have selected Screen you may also send the document to the printer from this window Copyright 2006 2009 Aloha Omega Consulting Group Inc 158 Title Loan Professional PLUS Help amp Privacy Notice Print Report To C Printer Seen 7 The Privacy Notice is as shown below Title Loan Professional PLUS Privacy Notice 1 File Edit Reports Forms Letters File Maintenance Security Tools Window Help Alpha Omega Consulting Group Inc 716 Vauxhall Dr Nashville TH 37221 615 662 9537 PRIVACY NOTICE IN COMPLIANCE WITH REGULATIONS ON PRIVACY OF CONSUMER FINANCIAL INFORMATION AS DECLARED BY THE FEDERAL DEPOSIT INSURANCE C ORPORATION THE FEDERAL RESERVE THE OFFICE OF THE CO
219. transaction using the transaction Submit button Of course you should be sure to check the account first and make sure that the principal interest fees and payments posted to the account are correct and that the current loan balance is correct before telling the customer the payoff amount entering it and pressing the Submit button Title Loan Renewals Here s an interesting renewal idea that rewards customers who pay early and is a token of good faith and good free advertising for your company if you company is accruing 30 days of interest at a time the loan length method and don t want to make an interest adjustments for early payments but would like to make sure that clients who pay early don t pay double interest on the days prepaid here s an idea from one of our clients When you take the payment that satisfies the current interest ahead of time don t renew the loan but submit the payment using the transaction Submit button Wait until the payment due date to renew the loan then renew the loan with a zero client payment Be sure the loan date is correct or you ll either cost the client money or you ll cost yourself money As long as the current interest has been paid and the minimum payment has gone to zero you can renew a loan with a zero payment Be sure to have the client sign the loan the next time he or she comes in You can even make a courtesy call to let the client know what you re doing and when you explain how this will
220. tters denoting the payment frequency M monthly SM semimonthly twice per month BW biweekly every two weeks W Weekly It is important that the Company Setup be correct and will normally be an Accrual Method of Daily or Loan Length with the interest setup having the Initial checkbox either unchecked for daily interest or checked for loan length accruals and the Recurring checkbox checked unless manual renewals are done at the time the client pays With this type of loan there is no payoff calculation if the interest is considered a flat fee for the period or one of the two provided payoff methods can be used SI 10Pay This method is used only for Mississippi for a 10 payment loan with a minimum 10 principal reduction required on each payment If the client does not pay the full 1096 principal reduction the principal is still owed to the lender but the interest for the next period is reduced by a Copyright 2006 2009 Alpha Omega Consulting Group Inc Setting up your Company in Title Loan Professional Plus 59 4 21 4 21 1 4 21 2 minimum of the state mandated 10 box unchecked State Specific Company Setup State Specific Company Setup Parameters Each state has specific parameters and contracts that must be used for compliance with the state laws There are also specific settings for the way each company wants to do business This section of the help file documents the company setup for specifi
221. umber of Renewals Min Renewal Payment Fees Plus Min Finance Charge Percentage Mas days interest can accrue leave blank if unlimited Post Maturity Interest Setup Interest will be charged at the time of payment or renewal Enable Post Maturity Interest Charge Interest after how many daye late Initial Post Maturity APR Secondary Post Maturity APR Secondary Post Maturity APR will be charged after the account is how many months old Allow principal increase with renewal T Renewal APR of Original Loan Amount starting with renewal number Max Finance Charge for all renewals Percentage Advance Amount Advance Fee z gt 350 00 8 00 60 00 10 00 70 00 31200 80 00 14 00 90 00 15 00 100 00 317 00 Record 141 jf 1 bse of 26 Renewal Receipt This field is normally left blank Cash Advance Calculation Method Cash Advance Calculation Method the options here are Flat APR in which case the default APR is entered in the next field below Flat Fee and Flat Fee based on advance length If the Flat Fee methods are chosen you will see a table appear that allows you to set up your fee for each loan amount your company offers It is very important to choose the appropriate method for your state s regulations and the way your company intends to operate Use the Flat APR method if your company changes t
222. unless the fee is financed If your title loan check amount is not the loan amount be sure to let us know so that the system is set up correctly To reprint a posted receipt if all the loan information is correct click on the date field of the posted receipt then press the letter P to print the receipt For instance if you want to reprint a cash receipt of 44 received on 12 15 2003 1 Pull up the loan on the Current Loans tab 2 Find the transaction with a type of Cash dated 12 15 2003 in the amount of 44 00 3 Click on the date field 4 Press the letter P to print the receipt b Click on the Print Receipt button To reprint a posted receipt if the loan information is incorrect there are two methods A and B Both require administrator access A You can remove the loan and re enter the loan all subsequent transactions and payment s correctly To remove the loan 1 Pull up the loan on the Current Loans tab 2 Click on the Loan Number field 3 Press Control R to remove the loan 4 When asked if you want to delete the loan for this account answer Yes This does not delete other loans for the same client nor does it delete the client information To delete a client and all loans for that client highlight the Client Account Number field and use Control R to remove the client If you delete a loan that has had interest and fees calculated and posted by the computer and you elect to delete the loan you will either have
223. untime and there are no line breaks The first part of this field may already be correct so you may only have to type from Runtime forward If the PC in question is accessing TLP across the network you should replace C with either the mapped drive letter of the network drive hosting the TLP files or the UNC name of the server For example If TLP is hosted on a network drive named F you would use Runtime F Program Files Title Loan Professional PLUS titleloan2k mdb If TLP is hosted on a drive with the UNC name Fileserver you would use Runtime Fileserver Program Files Title Loan Professional PLUS titleloan2k mdb Error Message OpenReport action was canceled If when printing checks contracts forms letter or reports you get a message like OpenReport action was canceled you may have an error in how your electronic company logo or electronic signature files are specified in Tools Company Setup General Information To test to see if this is the source of the error message go to Tools Company Setup General Information and carefully record the exact entries in the Company Logo and Company Signature fields Then clear both fields so that both are blank Then try the exact same print action again If the error is still produced call AOCG for assistance If the error is not reproduced please read the Help Topics titled Electronic Signature Setup and or Electronic Logo Setup Errors when attempting to E mail Reports To e m
224. us Personal Employment Income Vehicle Co Applicant Contacts Loans Notes Merchants SalesPersons No First Name Status Image Last Name z Current Address Avallable Middle Initial Addes Date Of Bith Age mel 4 Home Phone City Cellular Phone Cony State Other Phone SSN zip How Long Yrs 0 A DL Number State DL Expiration Previous Address E Address lt lt Previous Full Next gt gt El Addess2 RS sen I City State eid m Feet 0 Inches 0 ed Save Undo Client Lookup Donnymyer Samantha You can enter information about the clients Employment Income Vehicle Information if you will be issuing a Title Loan Co Applicant information if there is a Co Applicant and any of the clients Contacts you may want to enter Basic data entry 5 3 Modifying an existing client customer To modify an existing client You open the Client window then click on the Client Lookup drop down to select a client Copyright 2006 2009 Aloha Omega Consulting Group Inc 76 Title Loan Professional PLUS Help ES Client file Current user is adm ex lesa Name Ren Jehnsor Curent Balance 30 00 Home Phone Deditimt CellPhone Active Accounts 1171772008fAecount Number 154 Account Status 7 Personal Employ
225. us Database If your live data file is not Copyright 2006 2009 Aloha Omega Consulting Group Inc Store Opening and Closing Procedures 181 stored in the default folder of the computer hosting the database we strongly urge to you consider relocating the file to the default folder Failure to use the default folder may cause any number of problems including not being able to use the instructions and examples in this document Discussing full backup protocols and procedures is beyond the scope of this document but suffice it to say that every company should back up on a daily basis rotating backup media and keeping off site backups It is also advisable to keep a backup log to backup on multiple different types of media CD DVD tape etc and to verify that backup files can be read and restored Failure to do any of the preceding may result in a situation where your company can lose part or all of its data at any time When backing up we strongly advise that you do not attempt to drag and drop the Title Loan Professional Plus folder or any of the individual program or database files Dragging and dropping can easily result in the files being moved in which case the program will no longer function and data in the worst of cases might be lost Also do not use a cut and paste operation to back up as the cut function will delete the files from the hard drive And it s dangerous to use a copy and paste
226. utton called New Account Click on this button to create a new account Personal Employment Income Vehicle CoApplicant Contacts Loans Notes Merchants SalesPersons Photo Management Picture 1 1 did you hear about us z Location FustName Cate Staus Last Name A Current Address Middle Initial Address Date Of Bith Age Address2 Home Phone se 2 SSN p mAs Zp How Long Yrs 9 DL Number State DL Expiration Previous Address Sex gt a lt lt Previous Ne Face zi Address2 ee Sie I m Feet 0 Inches 0 20 NewAccount PrntLabel Tum Down Notice Client Lookup Z Data Verification Sheet The young prince When you click the New Account button the window is cleared of all information and you are ready to type in information regarding the customer It is basic data entry You start at the Personal Tab then proceed to each additional Tab until you have all of the information your company requires for a loan Example Employment Income information if a title loan information on the Vehicle you may have a Co Applicant and you may want to enter several personal contacts of the customer Copyright 2006 2009 Alpha Omega Consulting Group Inc 78 Title Loan Professional PLUS Help How did you hear about us oo Location FustName Status Last Na
227. xplorer to paste the copied folder to the desired destination If you have any questions about how to back up please consult with the person in your company who decides on such matters as we do not know the policies of our customers However you back up it is important to make sure your backup files are accessible and can be restored when necessary For more information please refer to the Backup topic of this documentation or search for Backup to see all related topics EXAMPLE End of Day Store Closing Checklist Store Date Closed by 1 Make sure that all loans receipts and other transactions for the day have been entered ___ 2 Check the computer s cash drawer adjusted balance and make sure it agrees with the actual cash drawer Do not close the cash drawer at this time 3 Print the daily detail reports used by your company for closing and balancing Daily Transaction Report Daily Receipt Log Loan List etc 4 Print one of the various Daily Summary reports The example given here is for the Daily Summary Single Date Version Be sure the date chosen is the day being closed This date will normally default to the current system date Click the Refresh button which causes the form to be refreshed with up to date figures for the date in question Next click the Print button Do not click the Post button until all the figures on the Daily Summary have been verified Compare the Daily Copyright 2006 200
228. y Operations 91 Type CashAdvance Number 102 Status 2 1171372008 CashAdvanc 20000 Adjustment Current Balance Minimum Payment 11 19 2008 Fee gt 30 00 200 00 30 00 456 2500 11 18 2008 12 1 2008 Bank of America Y Check Received 423 Guararteed Teletrack Code Pmt Method Terms De auk zj History Lz New Loan Save Print You put your mouse above the Loan Number and click to highlight the loan number then hold down the Ctrl button and for remove at the same time The following prompt will appear If you are sure you want to delete the loan just click Yes and the loan is removed 5 9 Taking a payment To take a payment you go to the loans tab and using the find a loan button the binoculars you find the correct client customer by using the drop down for Client Name and then select the appropriate loan by double clicking on it Once the Loans tab is populated with the loan information you go to the bottom right hand area of the loans tab You will see Date Type Amount and Notes as shown below Date Type Amount Notes The date is populated automatically You now select a Type of payment from the Type drop down then type in the Amount of the payment then if desired type a Note regarding the payment Then click the Submit button 5 10 Closing the store at the end of the day Store Closing Procedure Copyright 20
229. y a client pays bringing his or her account current or buying days if the payment is divided by the daily interest amount to determine how many days have been bought with the payment Alternate interest renewals and special minimum payment calculations do not apply to Mississippi and these fields should be left blank For the contract select a contract that starts with MS for Mississippi Once you have determined the contract you want to use please call us if any contract wording needs to be changed For the receipt select Receipt3 or higher Some clients find Receipt3 confusing when used with daily interest so you may want to use Receipt4 or higher If you are doing amortized installment loans and want the payoff figure as of the payment day to appear on the receipt you should use Receipt4 Missouri Company Setup Missouri Company Setup Guide Here is the link to APR Calculations and Common Percentages 571 The following is an example of how to set up the Title Loan parameters for a title lien fee that is financed The loan example is a Missouri daily interest title loan with a monthly percentage rate of 1095 a loan of 250 00 with a 13 50 title lien fee no origination fee with the amount financed the principal being 263 50 In Title Loan Parameters under Default Interest and Fees the first line should be set up with an amount of 10 00 the description will be Interest the type will be MPR and the initial box will
230. you have done step number 5 above you should always do the remaining steps in order log off and close the program If any additional loans or transactions need to be entered they should be entered the following day using the next day s date 8 Once the program is closed you should immediately back up the program and data On most systems this can be done by backing up the following folder on the computer that hosts the database the server C Program Files VTitle Loan Professional Plus however some companies for internal reasons may elect to store the program and data elsewhere To verify that you are backing up the correct data you can check the last modification date on the main database file The full name of this file is titleloan2k be mdb the mdb extension may not be displayed depending on how Windows is configured This file is normally contained in a database subfolder called C Program Files Title Loan Professional Plus database Discussing full backup protocols and procedures is beyond the scope of this document but suffice it to say that every company should back up on a daily basis rotate backup media and keep off site backups It is also very advisable to keep a backup log to backup on multiple different types of media CD DVD tape etc and to verify that backup files can be read and restored Failure to do any of the preceding may result in a situation where your company can lose part or all of its data at any time When
231. your state allows of Original Loan Amount starting with renewal no enter the renewal number that your state allows you to start charging a renewal fee it could be 2 or 3 etc Allow principal increase with renewal Should be checked if the person can borrow more money as part of the renewal process Print Renewal Notice with Receipt Most states don t require a renewal notice other than Tennessee If in Tennessee select either Notice1 or Notice2 NOTE If you have an internet connection you can Click Here to view all contracts letters forms reports receipts and notices that are automatically generated by Title Loan Professional Plus Principal reduction calculation method for automatically renewing accounts If you are going to require principle with the payment if you select Periodic it means thatthe customer has to pay the mandated percentage with each renewal If you select Cumulative as long as the customer is on or ahead of schedule the program will not enforce that rule as long as they are not falling behind schedule When in doubt use Periodic Some states are picky Add scheduled principal reductions to the minimum payment for automatically renewing accounts If you wantthe minimum payment to be just the interest this must be unchecked If checked the payment will include the minimum reductions Automatically notify user if a scheduled principal reduction has not been met If checked whenever you take a p

Title Loan Professional PLUS Help

Contents

Download Pdf Manuals

Related Search

Related Contents