Banner Financial Aid Processing A-Z

SUNGARD SUMMIT 2007 sungardsummit.com 1 Banner Financial Aid Processing A-Z Presented by: Jim Bradsher, Principal Financial Aid Consultant March 20, 2007 A Community of Learning

Session Rules of Etiquette Please turn off your cell phone/pager If you must leave the session early, please do so as discreetly as possible Please avoid side conversation during the session Thank you for your cooperation! 2

Introduction Objectives Provide Overview of Banner Financial Aid modules Provide Process Flow Overviews for Modules Explain available reports Map your own process flow schedule during Banner Financial Aid training and consulting sessions 3

Topics of Discussion Record Creation Requirements Tracking Needs Analysis/ISIR Corrections Student Budgets Packaging and Disbursement Loan Processing 4

Topics of Discussion Full Participant COD Reporting Pell/Direct Loan Student Employment Common Functions SAP, Transfer Monitoring Return of Title IV Funds and Authorizations Tracking/Award Letter Generation Miscellaneous Processes and Reports 5

Record Creation Load Federal ISIR records and/or CSS Profile records to temporary tables Use Common Matching to match records to existing General Person records Resolve suspended records Uses Common Matching Process Designate unmatched records as New or Hold Load Matched and New records to permanent tables online or in batch Delete Records from temporary tables in batch or on-line Print ISIR records as desired 6

Record Creation Flow RCBTPxx ISIR RCBCTxx - Profile Load records to temporary tables RCPMTCH Compares the data in temporary tables to data in production and assigns match Codes. Uses Common Matching Rename and transfer xxxxesar.tap file to the dataload directory Records with Hold status codes remain in the temporary tables until a general person record is created in production or if the data in the temporary tables is deleted by running the RCPDTMP delete process Records with New, Matched, Renewal, or Application status codes are ready to load into production RCRTPxx Records with Suspended, Duplicate, Error, or * status codes must be resolved before they can be loaded into production RCRSUSP GOAMTCH (7.x) Forms Receive ISIR files from the U.S. Dept of Education RCPDTMP Run in batch prior to new aid year or on-line from RCRSUSP Form to delete records from temporary tables Load records to production tables in batch or online from RCRSUSP Form RERISxx Print frozen ISIR records 7

Needs Analysis Institutional Methodology Processing Set IM options on RNRGLxx Global Options Form Run RNEINxx CSS Institutional Needs Analysis Process (INAS) in batch after each data load if using local global options Print INAR and/or FM/IM Comparison Report as desired Run RCPIMFM Copy IM to FM Process to move unique IM values to current FM record for use in rules and population selections Non-Profile schools use Copy FM to IM option and run\ RNEINxx. 8

Needs Analysis Verification Professional Judgment Processing Enter changes on RNANAxx, RNAPRxx, RNAOVxx, RNAVRxx Needs Analysis Forms Run on-line RNEINxx The CSS Institutional Needs Analysis Process (INAS) to recalculate EFC Professional Judgments Perform and save need analysis simulations on RNAPRxx OR Enter changes on RNANAxx, RNAOVxx Run on-line RNEINxx CSS INAS to recalculate EFC 9

Requirements Tracking Verification Requirements Automatic assignment via grouping process Run in batch after each dataload or on-line for single applicant Comment Code Resolution Requirements Assign automatically using population selection and batch posting Fund-Specific Requirements Automatic posting during award packaging Title IV authorization interface to Banner AR System Manual and Mass-Entered Requirements Enter selected documents on RRAAREQ, RRAMASS, ROARMAN Forms 10

Requirements Tracking Flow Verification Comment Codes Fund Control TVAAUTH Form RORGRPS Batch Grouping Process T Option On-line from ROAIMMP Form GLBDATA Population Selection RORPOST Set Use Indicators RORBPST Batch Posting RFRMGMT Tracking Window RPEPCKG Packaging Process Batch, On-line Manual TVPREQA Create TIV Authorizations Batch Process Title IV Authorizations RRAMASS Mass Entry RRAAREQ, ROARMAN Forms RRRAREQ Report 11

EDE ISIR Corrections Log EDE corrections Check EDE Correction and Need Analysis logging fields on ROAINST Institution Options Form RORDATA Data Log Rules Form controls EDE field-level logging Corrections LOG automatically when changes are made to any need analysis form (RNANAxx, RNAOVxx, RNAVRxx, RNAPRxx) View logged corrections REACORR ISIR Correction Request Form delete pending corrections, change housing code, change institution code ROAALOG Applicant Data Log Application Form resend individual correction items Extract logged corrections Print reports of pending and/or extracted corrections 12

EDE ISIR Correction Flow RNANAXX RNAVRXX RNAOVXX RNAPRXX Changes entered on applicant forms log to temporary tables RLRLOGG Loads latest changes to permanent logging tables REACORR Review logged corrections Delete pending corrections Change housing codes Change institution code RORALOG Report shows Pending corrections ROAALOG View logged EDE corrections Flag prior corrections to resubmit RERCRCR Report lists extracted corrections RPIBATC View outgoing batch information REBCDXX Creates a file of EDE corrections & ISIR requests CORRXXIN Error files Rename to COREXXOP RERFIXX Import batch and individual Record level error messages Federal Connection Software Correction ISIR files Banner Dataload Import corrected ISIR records 13

Budgeting Create Campus-Based, Institutional, Pell Budgets Use proration or build all budgets Assign budgets to students via batch grouping or online Modify budgets for professional judgment Mix budgets to accommodate varying enrollment patterns 14

Budgeting Flow Standard Budgets Campus-Based, Institutional, Pell Less than Half Time Pell Budgets RORGRPS Batch Grouping Process B Option On-line from ROAIMMP Form RBAABUD ROARMAN Forms RBRABUD RBRBCMP Reports RPEPELL Pell Process Uses Setup from RPROPTS Form or RBRCOMP Form ROAPELL Form 15

Packaging Self-adjusting Pell Grant awarding Autopackaging via packaging groups Simulated or actual process with reports Batch or online immediate process Apply equity, gap, self-help, or fund limit strategies Award via batch-posting or manual entry Separate outside resource form entries reduce need Third-party contract and exemptions interface from Banner AR System Packaging validation and overaward reports provided 16

Packaging Batch Flow RORGRPS Place students in packaging groups RPEPCKG Run batch packaging in simulation mode RPEPCKG Run batch packaging in actual mode RPEPELL Assign Pell Grants RPAAWRD RPRSAWD Review simulation award report RPBPDRV Run packaging print process to produce RPBAWARD and RPBFUND reports RPAMOFF RPAMACC Enter manual awards Accept awards RPAARSC Enter outside resources RPRAWRD Applicant award report displays current award RPAAWRD RPAAPMT ROARMAN Packaging complete date updated; fund amounts, schedules populated RORCALC RORCALC Compute overawards Compute overawards 17

Packaging On-line Flow RPEPELL Run immediate Pell process to assign Pell Grants to students who were batch budgeted RPAAWRD RPAMOFF RPAMACC Enter any manual awards Accept awards RPRAWRD Applicant award report displays current award RORGRPS Use immediate packaging group assignment function to place student in a packaging group RPAARSC Enter any outside resources RPAAWRD RPAAPMT RPEPCKG ROAIMMP Applicant Immediate Process Form ROARMAN Use auto package option to initiate packaging process; applicant record updated with funds for packaging group 18

Packaging Award Validation Flow RPEPCKG RPBVLDT RPBVDRV RPVAWRD RPEDISB Batch packaging process Validation process validates current awards; run prior to billing and major disbursements Run validation print process to print award validation report Award validation report Batch disbursement process 19

Disbursement Batch or online disbursement process Three disbursement levels memo, authorization, payment Use ISIR Expected Enrollment or actual enrollment Runs online from Banner Financial Aid or AR system Utilizes Just-in-Time Pell processing Pre-disbursement validation process and report Capture frozen enrollment for term - RSRENRL Nontraditional disbursement options Pay based on student attendance pattern Update scheduled disbursement date per student enrollment start date for term 20

Disbursement Batch Flow RSRENRL RPRDDUP RPEDISB ROIDISB Freeze Financial Aid/ Financial Aid Attending Hours Update scheduled disbursement dates. Runs as part of Disbursement Process Batch process for applying memos, authorizations, and payments View disbursement error messages RPBDDRV RPBVLDT RSIAREV RPAAWRD Print driver process produces RPBDISB report Batch validation process validates whether the student is still eligible for each fund to disburse TSAAREV TSASPAY RPAAPMT ROARMAN RPBDISB Batch disbursement report shows results and errors for all applicants on a fund by fund basis RPBVDRV Validation print process produces RPBVDIS report RPBVDIS Displays current disbursement validations Student account forms updated with memo, authorization, or payment amounts ROASMRY View memo and authorization amounts Fund award and Disbursement windows display updated memo / paid amounts RPRSAWD Award and Disbursement Report 21

Disbursement On-line Flow RPAAWRD RPAAPMT ROARMAN Group assignment option brings user to ROAIMMP ROAIMMP Select disbursement process and term RPRDDUP RPEDISB Disbursement Date Update runs with Disbursement Process ROIDISB View disbursement error messages ROASMRY View memo and authorization amounts RPRADSB, RPRAWDB RSIAREV TSAAREV Student account updated with memo, authorization, and payment amounts RPAAWRD RPAAPMT ROARMAN Fund award block displays updated memo / paid amounts Run Applicant Disbursement Report or Applicant Award and Disbursement Report at any time to view current disbursements 22

Pell, ACG, SMART Reporting Full COD Participant Pell, ACG, SMART originations create by automated processes Full Participant COD XML process: Creates student identifier record Extracts originations and pending or actual disbursements Populates online disbursement form for each transaction Import COD XML acknowledgement data to origination, disbursement, student identifier, and ROAPELL forms. Print data from origination/disbursement forms and extract/import process output. Print a variety of Pell miscellaneous reconciliation reports 23

Pell, ACG, SMART Full Participant COD Origination/Disbursement Flow RPAAWRD RPAAPMT ROARMAN New or increased Pell award sets origination indicator to Y RERPLXX Create Origination Records (Pell Origination Ind = Y RPEDISB Disburse Pell Grants REICODD View origination and disbursement document records and responses READIXX REAORXX Display Banner origination and COD response data REASTID Display Student Identifier and COD response RERPRXX Print Originations RERIMEX Print REREXxx/ RERIMxx output RERPELL Pell Misc.Report Pell Origination REREXXX Extract origination records CRPGxxIN Pell, CRAGxxIN ACG, CRSGxxIN SMART, CRAAxxIN All Combined COD Connection Software RERIMXX Import origination receipts/responses REREXXX Create & Extract Disbursement Records COD Connection Software CRRCxxOP Receipt CRPGxxOP Pell, CRAGxxOP ACG, CRSMxxOP SMART, CRAAXXOP All Combined RERIMXX Import disbursement receipts/responses Pell Disbursement Display Banner disbursement and COD response data REASTID Display Student Identifier and COD response RERPRXX Print Disbursements RERIMEX Print REREXxx/ RERIMxx output RERPELL Pell Misc.Report 24

Pell Reporting Data Request Records Data Request Records can be requested via Banner (RERRDRQ) or via COD Website Extract Request using RERPLxx Import files using RERFIxx PGASxxOP AGASxxOP PGRAxxOP SGASxxOP PGYRxxOP PGMRxxOP PGRCxxOP RERRDRQ Acknowledgement fields updated REISSOA Updated with Summary Statement of Account data REIYTDS Updated with year to date summary data REIRMRR Updated with data from MRR file Creates RERRECN Table for use with SQL reconciliation scripts REIDSOA Updated with detail statement of account data 25

ACG & SMART GRANTS ROAHSDT Applicant High School Data Form RPISAHP State Advanced/Honors Program Codes RTVCDST COD State Codes RPEDISB Disbursement Edits for ACG and SMART RORRULE Institutionally Defined Award and Disbursement Rules RFRMGMT Ability to identify four distinct codes for set up Distinct Codes for ACG 1&2 SMART 3&4 RFRFFID Federal Fund ID Table now includes ACG & SMART Grants w/ selected award & disbursement logic 26

ACG & SMART GRANTS..continued STVMAJR Codes associated with correct CIP Codes STVDEGC Codes associated with IPED values for 2 & 4 year programs Automated review of ACG - ISIR Comment Codes (Batch Post Self-Reported Eligibility to User-Defined Field) RPRSMRT Smart Grant Eligibility Report AWARD Forms have Year in College Override RPAAPMT has CIP Code Override RPAMOFF Year in College Override 27

Electronic Loans Create application form in batch or online Certify applications per Student System calculated class level Update Banner unique loan ID for pre-approved loans Preapproved PLUS Loan credit check process Response file upload Change transaction processing Hold/Release control based on disbursement eligibility edits Electronic funds transfer and paper check processing with aging and exception reports Automated paper check or EFT returns to lenders 28

RPAAWRD RPAAPMT ROARMAN Award loans w/ accepted status RPIBATC View record of batches created ELAPXXIN.DAT RPRELAP Create electronic loan applications RPRELAX Extract loan application data Set initial hold / release status Servicer Software RPAELAP Review and edit electronic loan applications prior to being extracted RPAELAP Fields updated after loan application is extracted Electronic Loan Application Flow ELUPDTOP.DAT Transmit extract file Receive response file RPRELRU RPAELAP Fields updated after lender response file is uploaded Upload lender response file 29

RPEDISB RPRHDRL Electronic Loan Disbursement Flow Capture disbursement errors RPEDISB Set hold / release change status Servicer Software RPRHDRLXXX.DAT RPRLNAG Aging Report RPRLNEX Exception Report RPRLSUM Loan Summary Report Review disbursement errors Transmit new hold / release status Receive electronic disbursement roster EFTXXX.DAT ROIDISB Review disbursement errors RPREFTL RPAELDB RPEDISB Load disbursement data into temporary tables Resolve unmatched loan records Release memos, authorizations, payments RPAEPMT Confirm receipt of electronic funds and/or paper checks RPREFTP RPALDSB View historical loan record for the student 30

Direct Loans Create loan originations in batch or online Promissory note, manifest, and disclosure statement printing Full Participant XML COD extract and import: Origination and disbursement information Student and parent borrower identifier data Change transaction data (with student level logging) Entrance/exit counseling import updates online form and tracking requirements Statement of account import and online display Comparison process captures data for use with federal reconciliation software 31

Direct Loan Origination Flow RPALORG Updated by RPRLORC process (Enter Parent Info on RPALORG for PLUS loans as needed) RPRLORC Create Loan Origination RPAAWRD, ROARMAN RPAAPMT Award Loans to Eligible Students REREXxx Extract origination records REREXxx_yyyyy.xml CRDLxxIN Direct Loan only CRAAxxIN DL/Grants Combined Transmit file to COD Processor and receive receipt and response files CRRCxxOP Receipt Response CRDLxxOP Direct Loan only CRAAxxOP DL/Grants Combined RERIMXX Import origination receipt and acknowledgement files into Banner RPALORG Updates Origination Record REASTID Creates Student Identifier Record REICODD Updated with batch information RPALORG REASTID REICODD RPALDSB 32

Direct Loan Promissory Note Flow RPRPNPT Print Promissory Notes and address labels RPALORG RPAPROM Updates Promissory Note Record RPAPROM RPALORG Log receipt of Signed Promissory Note RPRDLPM Create Promissory Note Manifest RPALORG RPAPROM Updates Promissory Note Record RPAPROM RPALORG Updates Promissory Note Record Mail Manifest and Signed Promissory Notes to COD Receive Prom Note Acknowledgement CRPNxxOP RERIMxx Load Prom Note Manifest Acknowledgement File 33

Direct Loan Disbursement Flow RPALORG ROIDISB Updates Disbursement Record RPEDISB Run Disbursement Process REREXxx Create Disbursement Records REREXxx_yyyyy.xml CRDLxxIN Direct Loan only CRAAxxIN DL/Pell Combined Transmit filet o COD and receive receipt and response Files RPALORG Updates Record REICODD Updated with batch information CRRCxxOP Receipt Response CRDLxxOP Direct Loan only CRAAxxOP DL/Pell Combined RERIMXX Import acknowledgement and receipt file into Banner RPALORG REICODD Updated by RERIMxx process 34

Direct Loan Change Activity Flow RPADLCR Updated by changes made on RPRLORG RPEDISB If making a change to Disbursement, you must also run the disbursement process REREXxx Create Change Extract File REREXxx_yyyyy.xlm CRDLxxIN Direct Loan only CRAAxxIN DL/Pell, ACG, SMART Combined Extract changes with other Direct Loan records. Transmit to COD Processor Receive receipt and Response files RPADLCR Records that were extracted are now removed from REICODD Updated with batch information RPALORG Create Change Information CRRCxxOP Receipt Response CRDLxxOP Direct Loan only CRAAxxOP DL/Pell, ACG, SMART Combined RERIMXX Import receipt and acknowledgement file into Banner RPALORG REICODD Updated with data from response file 35

Direct Loan Reconciliation Flow COD sends SAS for prior month s transactions Receive fixed length SAS files on local PC via EDConnect DSDFxxOP.DAT DSLFxxOP.DAT Use Institutional procedures to reconcile SAS data with Business Office records on a monthly basis. Transfer files from local PC to SCT Banner server RPRDUxx Upload files to SCT Banner Updates RPACASH RPIDLAS RPALORG 36

Direct Loan Entrance/Exit Activity Flow RRAAREQ Post Entrance / Exit Data Entrance either as a tracking requirement via RFRMGMT or batch posting Exit either batch posting or by running RRREXIT RRREXIT Posts Exit Requirement to RRAAREQ for students needing an exit interview ROAINST RTVTREQ RFRMGMT Create rules for Loading Entrance & Exit Data Receive Entrance & Exit files from COD DECFxxOP.dat DLFFxxOP.dat Transfer files from local PC to SCT Banner server RPRDUxx Upload Entrance / Exit Activity Note: these files will continue to be received in a fixed length format. Full Participant schools will continue to use the RPRDUxx process to upload these files into Banner. RPILECS Student Entrance / Exit Record is updated RRAAREQ Entrance / Exit Requirement Updated RPIBATC Batch information Updated 37

Student Employment Record referrals to hiring departments (optional) Authorize federal, state, institutionally funded students to work Multiple position number/departmental assignments Varying wage amounts On-campus and off-campus work locations Automated payroll wage load or manual entry of wages Payroll exception report of unauthorized student workers Payroll history form for all student workers Wage posting to Financial Aid award and budget control forms Departmental and administrator level earnings reports 38

Student Employment Award Work Funds to Student RPAAWRD,RPAAPMT,ROARMAN Assign Positions & Authorize Work RJASERF, RJASEAR Forms Identify new authorizations & send to Payroll Office for payroll creation RJRAUTH Report Enter Payroll Information w/ HR: RJRLOAD Process w/o HR: RJASEME Form Report Earnings to Departments RJRDPPR Student/Fund Earnings Updated RJASEAR, RJISEWH RPAAWRD, RFIBUDG Forms Review Earnings Report RJRSEEC Identify students paid, but not authorized to work RJRPAYE Report Adjust student payroll Amounts as needed RJASEME Form 39

Transfer Monitoring Identify midyear transfer students using population selection Student System Transfer admissions codes Prior college attendance dates NSLDS current year activity Add students to transfer monitoring form in batch or online Process posts and automatically expires required disbursement hold Import process loads Error/acknowledgement files Alert files View updated information on NSLDS form 40

Run GLBDATA to extract Population Selection Run RNRTMAC to populate the RNATMNT form with your population selection Run RNRTMNE to extract the file Transfer Monitoring Flow Can manually enter Students on RNATMNT RPIBATC View batch information View RNASLxx for changed NSLDS information Alert File Message Class: TRLTRPOPprinted outside of Banner Message Class: TRNINFIN Transmit file to Department of Education (DOE) Hold automatically created on ROAHOLD and set to expire in seven (7) days Run RNRTMNI to upload files Error/Acknowledgment File Message Class: TRNINFOP Alert File-Extract Format Message Class: TRALRTOP 41

Return of Title IV Refund Process Banner Student Procedures Withdraw student official or unofficial code Create withdrawal form with calculation information Banner Financial Aid Procedures Create Return to Title IV calculation form and confirm award/return information Manually adjust amounts on award form Run Disbursement Process to recoup award amounts and generate student account entry Print copy of calculation and send to student Banner Accounts Receivable Procedures Process refunds as needed 42

Return to Title IV Procedures SFAREGS SFRNOWD Audit mode will produce a report only SFRWDRL OR Enter official, unofficial withdrawal codes Update mode will produce a report and populate SFAWDRL OR Identify unofficial withdrawals SFAWDRL Manually populate withdrawal code & withdrawal date NOTE: Give copy of RPRTIVC report to AR to notify them of institutional and student repayment responsibility. SFAWDRL ROAIMMP Populate withdraw code & withdraw date Run in audit mode for report only RPRTIVC OR Run in update mode for report & update of RPATIVC Disburse the fund (either a positive or negative disbursement) RPRTIVC RPAAWRD RHACOMM Calculate & Save R2T4 amounts Update paid amounts per RPATIVC or RPRTIVC results Make comment regarding withdrawal 43

Satisfactory Academic Progress Determine SAP status codes and the aid that each will impact Write rules to identify students who: Exceed 150% federal limits Meet quantitative and qualitative SAP standards Fail quantitative and qualitative SAP standards Establish translations to move students through a status progression automatically Run SAP process in batch or online Schedule SAP notification letters automatically 44

Satisfactory Academic Progress Flow RTVSAPR Define/prioritize SAP statuses; identify aid affected assign letters RORRULE Build rules for assignment of SAP codes RORSTRF Translates calculated status codes to new status codes and assigns letters (optional) ROPSAPR Batch assign SAP status codes;.lis file includes number of students processed and students unprocessed due to prior SAP lock ROAIMMP Individually assign SAP status codes on-line RORPOST Batch Post SAP Effective Term/Status to ROASTAT ROASTAT View on-line/batch assigned SAP status; manually assign SAP codes RUAMAIL Schedule Pending letters for SAP effective term (optional) RJASERF SAP window updated for viewing only

Tracking and Award Letters Package or adjust awards Post tracking requirements Run population selection process Extract variables for the selected students Create merge file, recipient list, and Banner log records Send Paper or Email Correspondence using merge file Reset tracking or award letter indicators if included in population selection criteria 46

Population Selection & Letter Generation Flow GLRSLCT Create and compile rules for the population selection GLBDATA Extract all PIDMs that meet the population selection criteria specified GLAEXTR/GLIEXTR GLAEXTR: add/delete lines from the population. GLIEXTR: view only sort by name or id Data Extract Enable Data Extract From GUAOBJS for GLAEXTR and GLIEXTR OR Merge the GLRLETR.DOC text file with word processor master document, print letters/emails January 4, 2000 Ms. Margaret Mitchell 1 Main Street Lisbon Falls, ME 04250 Dear Maggie: The following items must be received by our office in order for your financial aid application to be complete: Parent tax return Verification worksheet If you have any questions, please stop by our office. Financial Aid Office Banner University GLBLSEL Extract variables from each applicant record for the letter being generated RORAPLT Basic applicant report gives names and ID numbers of applicants in the population selection Open GLRLETR.DOC In GJIREVO. Display in browser and save as a TEXT file. Options 1 and 2 will create a mail merge file GLRLETR.DOC for use with MS Word or Word Perfect GLRLETR RLRLETR Reset process blanks out award letter and / or tracking letter indicators (optional) RUAMAIL GUIMAIL View logging of processed letters 47

Funds Management Reporting ROAMGMT Manage Funds Form Customize your on-line display for managing funds RFRABAL Account Balance Report Detailed information about each fund by aid year and term as displayed on RFIBUDG RFRBUDG Fund Budget Report Fund budget allocation information for each fund account RFRFUND Fund Description Report Reports information setup on RFRMGMT for each fund 48

Miscellaneous Jobs RORFSxx FISAP Report SFRSSCR NSLDS SSCR Process SFRNSLC Clearinghouse Extract Report RPRCNCL Award Cancellation Process RSRDSCP Data Discrepancies Report ROPROLL New Year Roll Process 49

Suggestions Create a timeline of when you want certain things to happen on a yearly, monthly, weekly, and daily basis. Follow the timeline whenever feasible. Make the timeline known to Financial Aid Office staff as needed Work with other offices who are affected by or have input to the timeline. 50

Suggestions Create milestones. Develop a list of all processes which need to occur by each milestone. Processes performed will begin evolving. Update documentation regularly. 51

SUNGARD SUMMIT 2007 sungardsummit.com 52 Questions A Community of Learning

Thank You! Jim Bradsher Jim.Bradsher@SungardHE.com Please complete the online class evaluation form SunGard, the SunGard logo, Banner, Campus Pipeline, Luminis, PowerCAMPUS, Matrix, and Plus are trademarks or registered trademarks of SunGard Data Systems Inc. or its subsidiaries in the U.S. and other countries. Third-party names and marks referenced herein are trademarks or registered trademarks of their respective owners. 2007 SunGard. All rights reserved. 53