
This readme file has an explanation of PlanKey and DPKey followed by some 
instructions for using RateEdit.exe.  The RateEdit.exe is a rate file utility 
that allows you to (see details below):

A) setting to save original files with date and time stamp on any file save
B) delete Plans that you don't want to show up in your display
C) edit the values of the DPKey and PlanDesc tags
D) merge an old Plan's DPKey and PlanDesc into a new plan.

The Plankey is a unique generated number that CUNA Mutual will define. Every 
different plan in the ratefile will have a different Plankey so that a single 
plan can be located just by the Plankey. Every Credit Disability (CD) and every
Credit Life (CL) plans have different Plankeys and are defined separately in 
the rate file. Each loan covered by credit insurance must identify which plan 
was selected by recording the unique Plankey (or DPKey discussed in paragraph 
below) selected.

The DPKey is an optional key that the data processor can use to identify a plan 
in the ratefile instead of using the CUNA Mutual defined Plankey.  If defined 
by the data processor, this key must also be unique for each plan in the rate 
file.  When coding loans with insurance coverage, if the DPKey has been 
redefined to a data processor value, code the loan coverage with this DPKey 
value.  If the DPKey is not needed, code the loan with the unique Plankey value.  
When calling the engine, if the DPKey is used then pass the DPKey as the 
<COVERAGE><PLANKEY> value.  If the DPKey is not being used, pass the regular 
Plankey as the <COVERAGE><PLANKEY> value.  The engine will search the rate file 
for both keys until a match is found. 


INSTRUCTIONS:

A) RateEdit will save a copy of the original file with a date and time stamp if
   the Auto-Backup is checked on the Edit menu. 

B) If you don't want certain plans to display in your lending software, you may 
   use RateEdit to delete the unwanted plans. 
WARNING! - make sure that you do not need these plans for some other purpose. To 
   delete, select the insurance plan (plan description will be desplayed) by 
   highlighting the INSURANCEPLAN you wish to delete and either click the 
   "delete" button or select Edit|Delete from the menu. You can get to 
   INSURANCEPLAN by clicking on RATEFILE, CUSTOMER, and then the desired 
   INSURANCEPLAN.  Repeat this for any plan you wish to delete.

C) To edit either the DPKEY or PLANDESC tag values, select the INSURANCEPLAN as
   described in B) and click on DPKEY or PLANDESC.  Type the new tag value in 
   the box on the top right and click on "Set".  Repeat for each value that you
   desire to change.

D) If you do not use your own values for DPKEY or PLANESC - YOU DO NOT NEED TO 
   USE THIS FUNCTION.  RateEdit's "Merge" function will take the DPKEY and 
   PLANDESC tag values from an old rate file and put them into the new rate file
   when the PLANKEY's match. To "merge" files: 1)open the "old" rate file, 
   2) from the "File" menu select "Merge" and open the "new" rate file.  
   RateEdit should give you a summary of the number of PLANKEY's in the old rate 
   file that matched the new rate file and the number that didn't match. 
WARNING! If no PLANKEY's matched, please call CUNA Mutual, because your new rate
   file needs different PLANKEY's.
