This topic provides systematic instructions to create an unsecured limit for an account and to update, modify, or delete the existing unsecured limits on the account.

1. On the Homepage, from Account Services, under Limits, click Unsecured Overdraft Limits, or specify the Unsecured Overdraft Limits in the Search icon bar.
   Unsecured Overdraft Limits screen is displayed.

   Note:

   The fields which are marked in asterisk blue are mandatory fields.

   Figure 38-1 Unsecured Overdraft Limits

   
   Description of "Figure 38-1 Unsecured Overdraft Limits"
2. On Unsecured Overdraft Limits screen, specify the fields
   For more information on fields, refer to the field description table.

   Table 38-1 Unsecured Overdraft Limits - Field Description

   Field	Description
   Account Number	Enter the Account Number or click the search icon to view the Account Number pop-up window. By default, this window lists all the Account Numbers present in the system. You can search for a specific Account Number by providing Customer ID, Account Number, or Account Name and clicking on the Fetch button.
   Account Name	Account Name is displayed based on the account number selected.

   Customer Information and Limits Summary is displayed for the selected Account Number with existing records.

   Figure 38-2 Customer Information - Unsecured Overdraft Limits

   
   Description of "Figure 38-2 Customer Information - Unsecured Overdraft Limits"
3. On Unsecured Overdraft Limits screen, under Limits Summary, click icon.
   The system displays the following options:

   • View
   • Edit
   • Delete
4. Click the View or Delete option to view or delete the existing unsecured limits record.
   The non- editable Unsecured Limits window is displayed.

   Figure 38-3 Unsecured Limits - View or Delete

   
   Description of "Figure 38-3 Unsecured Limits - View or Delete"
5. Click the Edit option to modify the existing unsecured limits record.
   The editable Unsecured Limits window is displayed.

   Figure 38-4 Unsecured Limits - Edit

   
   Description of "Figure 38-4 Unsecured Limits - Edit"
6. To add new unsecured limits, click the icon.
   Unsecured Limits window is displayed.

   Figure 38-5 Unsecured Limits

   
   Description of "Figure 38-5 Unsecured Limits"
7. On Unsecured Limits window, specify the fields.
   For more information on fields, refer to the field description table.

   Table 38-2 Unsecured Limits - Field Description

   Field	Description
   Line Reference	Enter any reference number to identify the clean unsecured limit being granted to the account holder.
   Linked Amount	Enter the amount of unsecured limit being granted to the customer.
   Start Date	The system defaults the Start date as the current branch date. You can modify the Start Date to any future date using the adjoining calendar button. Note: The Start Date cannot be backdated.
   End Date	Click on the adjoining calendar icon and specify the End Date of the unsecured limit.
   Interest Rate	Select the Interest Rate Type from the following options: Fixed Floating The system defaults the interest rate type as Fixed. If the Floating option is selected, a field next to the Floating button allows user to select a Floating Rate Id by using a LOV option. If the Fixed option is selected, a field next to the Fixed button allows user to input an Interest Rate value. The system allows user to select one option at a time and if one option is selected, the other option is disable. Note: Interest Rate Type and actual Interest Rate can default from the account class level if defined. In such cases, the Interest Rate Type and Interest Rate should automatically default in these fields.
   Spread	This is an optional field and can be Positive Spread or Negative Spread.
   Final Rate	The system defaults the Final Rate by adding the Interest rate. Note: The additional of interest rate can be +/- spread.

   On clicking Save button, newly added unsecured limit is displayed in the Limits Summary.