fsd ametlife phase 1a 140715

FSD Assigned To Number of FSD's FSD StatusAvinash 13 Completed

Chandrakanth 19 Partially completedChin 25 WIP

Jitendra 11 Yet to StartMichelle 11 Grand TotalPriyanka 16

Shwetabh 17Sreeram 11

Grand Total 123

FSD Assigned ToPriority

Priority 1 Priority 2 Priority 3Avinash 6

Chandrakanth 4Chin

Jitendra 11Michelle 3Priyanka 2 3

Shwetabh 1 9Sreeram 2 1

Grand Total 2 13 27

Number of FSD's28101768

123

PriorityPriority 4 Priority 5 Priority 6 Priority 7 Priority 8 Interfaces Grand Total

1 4 1 1 134 4 1 6 191 24 25

118 11

4 5 2 164 3 172 2 1 3 11

16 4 20 4 13 24 123

Sl No Item# Gap No Business Area Session#

1 NBS-214 AML100 8

2 NBS-216 AML101 8

3 NBS-221 AML105 8

4 NBS-248 AML106 9

5 AGT-656 AML203 2-Agency/Banca 21

6 TKFL-694 AML452 4-POS 25

7 GST-668 AML615 10-GST 23

1-New Business/UW

1-New Business/UW

1-New Business/UW

1-New Business/UW

8 NBS-256 AML116 9

9 NBS-258 AML107 9

10 NBS-269 AML111 9

11 TRM-010 AML300 3-Product 1




1-New Business/UW

1-New Business/UW

1-New Business/UW

15 GRP-144 AML318 3-Product 5


17 ILT-130 AML311 3-Product 5







24 ACTG-610 AML611 19

25 ACTG-626 AML614 20

26 ACTG-602 AML608 19

6-Accounts/Finance

6-Accounts/Finance

6-Accounts/Finance

27 ACTG-604 AML609 19

28 TKFL-689 AML625 10-GST 25

29 TKFL-691 AML622 10-GST 25


6-Accounts/Finance


32 PAD-152 AML401 4-POS 5

33 PAD-327 AML403 4-POS 10

34 PAD-388 AML412 4-POS 12

35 GST-263 AML600 10-GST 9

36 GST-669 AML616 10-GST 23

37 TKFL-690 AML621 10-GST 25

38 NBS-336 AML605 10

39 TKFL-701 AML627 25

40 TKFL-678 AML453 4-POS 24

41 TKFL-684 AML451 4-POS 24

42 CLM-565 AML512 5-Claims 17

43 CLM-567 AML513 5-Claims 17

44 NBS-211 AML001 0-Client 8

6-Accounts/Finance

6-Accounts/Finance

45 NBS-246 AML002 0-Client 9

46 NBS-217 AML102 8

47 NBS-219 AML103 8

48 NBS-220 AML104 8

49 NBS-262 AML109 9

50 NBS-268 AML110 9

1-New Business/UW

1-New Business/UW

1-New Business/UW

1-New Business/UW

1-New Business/UW

51 NBS-330 AML112 10




55 WOL-062 AML306 3-Product 2


1-New Business/UW



59 IL-119 AML362 3-Product 4

60 IL-124 AML364 3-Product 4



63 RDR-201 AML321 3-Product 7

64 PRD-210 AML324 3-Product 7

65 TKFL-681 AML386 3-Product 24

66 ACTG-600 AML607 19

67 ACTG-608 AML610 19

68 ACTG-618 AML612 20

6-Accounts/Finance

6-Accounts/Finance

6-Accounts/Finance

69 ACTG-619 AML613 20

70 TKFL-676 AML830 24

71 TKFL-692 AML623 25

72 TKFL-700 AML626 25

6-Accounts/Finance

6-Accounts/Finance

6-Accounts/Finance

6-Accounts/Finance

73 TKFL-705 AML628 25

74 TKFL-709 AML629 25

6-Accounts/Finance

6-Accounts/Finance

75 TKFL-710 AML630 256-Accounts/

Finance


77 PAD-134 AML400 4-POS 5

78 PAD-347 AML404 4-POS 11

79 PAD-348 AML405 4-POS 11

80 PAD-351 AML407 4-POS 11

81 CMP-373 AML409 4-POS 12

82 PAD-354 AML408 4-POS 11

83 PAD-386 AML411 4-POS 12

84 CSR-419 AML417 4-POS 13

85 PAD-438 AML419 4-POS 14

86 PAD-460 AML454 4-POS 14

87 PAD-461 AML422 4-POS 14

88 PAD-465 AML424 4-POS 14

89 PAD-466 AML425 4-POS 14

90 PAD-507 AML433 4-POS 15

91 ILT-191 AML503 5-Claims 6

92 TKFL-683 AML515 5-Claims 24

93 GST-273 AML601 10-GST 9

94 GST-276 AML602 10-GST 9

95 GST-279 AML603 10-GST 9

96 GST-282 AML604 10-GST 9

97 CLM-552 AML606 10-GST 16

98 GST-671 AML618 10-GST 23

99 GST-672 AML619 10-GST 23

100 INTF-394 AML801 9-Interfaces 12






121 TKFL-679 AML450 9-Interfaces 24


Descriptions Req Type

Process

Process

Process

Process

Process

Process

Process

Application/Proposal Number Search Facility during New Business

Requires for the system to be able to search based on application no and check duplicate application no

Proposal Entry Screen Changes - Add Many New Fields from New Bus, Agency and ComplianceAdditional fields required during proposal entry:- Lead generator/ Introducer- Bank branch/Commission agent- Servicing agent- Proposal HQ Recv Date- Medical product: Take-over flag and details (previous insurer, take over date, pol #)- Fact find (CFFF): option A, B, C, and NA- Fact find on financial needs match- Label change: Proposal Date to Proposal Signed Date- Take Over flag

Add Relationship Code Between Owner/Payor

Requires for the system to be able to capture relationship between Owner and Payor if Payor is different than Owner.

Life Assured Age Admitted flag based on ID Number

Requires for the system to populate the "Age Admitted flag" when ID number updated instead of SOE.

New Flag at Policy Level to Hold Commission Payment

Requires to be able to hold (not to process) commission payment on policy level

20-3-2015 TL: It is agreed that Agent Remunerations will be calculated outside Integral LIFE, therefore, this requirement is changed to provide flag but no processing.

Search by Cross Reference NumberAmMetLife requires a new search function by old policy number which is stored under 'Cross Reference No' field at contract header

GST Exemption Flag by Policy LevelRequires exempted for GST such as SOCSO

Process

Process

Process

Product

Product

Product

Product

PR0002_P-02_New Business Proposal Entry - TSAR Calculation Per Life Basis

Sum At Risk for TSAR calculation with different multiplier, per life basis, no separate risk class

PR0006_P-07_New Bus Underwriting Worksheet

Requires system to be able to generate and print underwriting worksheet

Gap is in two aspects:1. To include all the fields present in AmMetLife worksheet in Integral LIFE worksheet.2. To have the system to print the worksheet for UW.

20-3-2015 TL: It is agreed this will be done by Workflow therefore requirement has to be changed to interface with workflow for UW worksheet.

Auto Underwriting Process to Follow AmMetLife Jet Rule

Requires for the system to build AmMetLife the Jet UW rules inside Integral/LIFE

20-3-2015 TL: It is agreed this will be done by Workflow therefore requirement has to be changed to interface with workflow for UW worksheet.

Hire Purchase (HP1) - Surrender Value Calculation

CSV Hire Purchase = Lower (Unearned premium, SP)

AmGroup MRTA Scheme (MRTA) - Surrender Value Calculation

Percentage x SP x Vt/Vo where Vt = Reserve at Surrender, V0 = Reserve at time 0

Hire Purchase (HP1) - SA Reducing Formula Calculation

Reducing SA is based on Yearly Rest, slightly different formula from base

AmGroup MRTA Scheme (MRTA) - SA Reducing Formula Calculation

MRTA Reducing SA Formula

Product

Product

Product

Product

Product

Product

Product

Group Ordinary Life Takaful (GOLT), HomeSecurei (HISI) - SA Benefit Reducing Calculation Method

Requires subroutine to calculate reducing SA based on formula

Group Ordinary Family, FinanceSecure-I (PFRTT) - SA Reducing based on Monthly Reducing (TBPF1, TBPF78W, TBPF78M, TBPF78X, TBPF78Z)

Requires for the system to calculate and store reducing SA based on monthly basis.

Formula baseRef : TBPF78_Benefit Illustration v2.1_AmBank

Takaful Profit for Non Investment Linked (Non-IL/Trad)

Investment Profit = 5% x (Premium - COI ) x No of Remaining Days / 365 eg. 5% x (100 - 5) x 365/365 for Jan, 5% x (100 - 5) x 334/365 for Feb

With-holding tax for non-resident (LHDN requirements).

Takaful Profit for Investment Linked Takaful (ILT) & Familty Takaful

Surplus = 5% x Total Tabarru for a policy / Total Tabarru for product or component (eg. RUL1)

Payable = % x Total Tabarru for the financial year eg. 1/April to 31/Mac.

Any surplus will be shared between participant & Takaful Operator 50:50.

Waiver Rider Tabarru Calculation Method

Requires Tabarru calculation based on Attained Age and Remaining Term

H&S Rider Tabarru and/or Contribution Calculation Method

Requires Tabarru calculation based on Mortality Class, Plan.

Personal Accident Rider (PAR) - Death Benefit Caclculation Method

Maximum Sum Covered:

(i) The lower of - 5 times Basic Sum Covered; or - RM500,000; or - Weekly indemnity amount 75% earned weekly income

(ii) For housewife and student (age 18 and above) is RM20,000 Evidence of income must be submitted for Sum Covered above RM50,000

Product

Product

Process

Report

Process

Group Ordinary Family, FinanceSecure-I (PFRTT) - New Death Benefit Calculation Method based on Monthly Reducing SA (TBPF1, TBPF78W, TBPF78M, TBPF78X, TBPF78Z)

Requires a new Death Claims Benefit based on the new file on Monthly RSA

Death Claims Benefit take based on year & month. Formula base

Investment Linked Takaful (ILT), GoldenSecure-I Style (AmLifestyle Invest-i) (GSIS) - Death Benefit Calculation Method

In the event of Death, benefit payable shall be the higher of the following: a. Sum Covered; or b. Prevailing value of units in PIF; or c. RM5,000.

Add New Pop-up Screen at Receipt Creation Screen to Show Policy Details

Pop-up to show client details during receipt creation if policy no is entered.

(RR0012_R-16):Require missing fields in below reports:

Bank In Slip Listing- BANK-IN-SLIP NUMBER: New field to be added

Finance Ops_ Collection History Report- Manual Receipt No: - Deduct Month: - Bank Charges:- Admin Charges: (-User to confirm if required or not)- Recon Indicator- Company Code- Payment Category- Payment Type- Source System

CollectionReversalAuditLog- Checker Id & Name

Reversal Process Checker Approved/Reject/Pending Report - OK if reversal maker-checker is taken up

Different Payment Bank for Auto/Batch Payment for Different Payments Type (Agent Payment, RI Payment, Claim Payment etc) (PR0022)

Require different payment bank for different types of payments like Surrender, commission,etc.

Process

Process

Process

Process

Auto Posting CC Charges during Credit Card Receipting

- Auto create credit card charges as a separate entry during collection/receipting.

Requires to display error message during receipting entry for GST related accounts. (PRT014)

Rounding for GST amount for OTC only (PRT017)GST amount in the system should not be rounded. However, during receipting of OTC, GST amount should be rounded. DD or CC processing should not be rounded. This is the bank negara ruling.

Agent Appointment/Entry Screen Changes - Add Many New Fields

The following fields have been identified for changes in Agent Appointment Screen:

- Recruited by/Introducer Agent Code- License to sell Trad, IL products. 3 sets for Trad, IL & LIAM.License, Start Date, Expiry Date, Code.- Agency Code & Operating Branch Code. - Source of Business: Agency, Banca, Takaful Agency or Takaful Banca, DMTM, Agent Staff(ASF), Financial Advisor, Agency Leader Corporation(ALC)- Need to change Source of Business table T3616 to verify for GST eg. BA(Banca) & TB(Takaful Banca) should calculate GST & use Bank GST Number. Similar with AL(ALC). For ST(Staff), AG(Agent), TA(Takaful Agent) these should be checked on individual level where ST does not have GST Number while AG & TA may have. - AmMetLife to provide a list of mandatory fields to highlight during Agent Appointment- Banca requires to key in Region(05), Area(05), District(05) & Branch(03)- Banca requires Staff ID for Banca Agent Submission Branch 5 lines. Banca Agent is only allowed to sell at these branches. Validate at NB later.- GST Member & Registration Date (See GST Reimbursement to GST Members)- Field to store Old Agent Number eg. CCS12345678, CAM12345678 for Banca, AG12345678 & FA12345678 for Agency to be downloaded for Comm, Production etcc.. Integral Agent Number is 8 chars.- Direct/In-direct Appointment flag for AM whether to pay PORC to grand-mother or not.

Process

Process

Process

Process

Report

Process

Process

Agent Numbering With Source of Business

Requires to start with 2 chars + 123456 to identify which agent belongs to during proposal form entry

Common - Surrender of Rider With Cash Value

Requires function to surrender/teminate rider with cash value

Function to Terminate Rider/Policy

Requires for the system to terminate rider with 'Terminate' status rather than 'Lapsed' status

Automatic Rider Expiry with Maturity Benefit (PR0025)

Maturity process for rider with cash value.

GST - Tax Invoice No Generation/Tagging

Requires to auto tag Invoice number during transaction such as Receipting, contract issuance, premium collection, all fees, coi etc

GST - Auto Tagging of Invoice Number During Reversal- Invoice number is tagged during Receipting & transactions- Tagging for old invoice number during reversal- For Journal, reverse the Invoice first then key-in again

Tax invoice enquiry and Tax invoice Reprint by date range (PRT016)AmMetLife Takaful requires tax invoice enquiry and re-print function by date range

LLC@02/06/2015: Additional comment: 1. To have the functionality to reprint tax invoice with a word "Duplicate / Copy / Reprint". 2. Require New Tax invoice / Debit Note / Credit Note enquiry menu. Note1: According to the new guideline from Custom dated 20/5/15, no tax invoice to be generated for Exempt Supply. Note2: Tax invoice/debit note/credit note shall be generated at process level and not posting level.Note3 : Tax invoices shall be printed annually and sent together with the Annual Statement.

Letter

Report

Letter

Letter

Letter

Letter

Process

CR0007_C-07_Refund Excess Premium Letter

Requires for Excess Premium Refund triggering of letter

no need to provide for Doc No. and Reference No.- Clarification required for gain and loss calculation (RRT009)

Letter extraction should provide figure(s) for 'on the fly' calculation subroutine such as CSV

To provide a flag for reprint/duplicate (PRT001)Third party letter printing system required a new flag whether any letter is first time or re-print so that it can print word 'DUPLICATE'

Claims_Group Claims SETTLEMENT LETTER DWI (CR009_C-03):

- Requires to increase the length of member ref no (Certificate Number) field and extraction subroutine for this field

Claims_Group Claims REJECT LETTER COVERAGE NOT PROVIDED (CR025_C-08):- If in same policy, we have Hospital Benefit and Accident Rider, then how to differentiate Rejection Letter trigger in regular claims.

Personal Client Details Changes - to be added or modified:- Religion, race, ID Type, Staff ID, Resident status,- Label change: 'Direct Mail to 'PDPA', 'Licence' to Bus Reg No', Surname to Name, Given name to 'blank', - Make postcode field as table and auto default State (line4 of address)- GST registration no, - NRIC no validation against date of birth- Map Occupation code to Occupation class and High Risk type for AML checking- Employer details of policy owner- AmOnline Register flag and DNS Flag

Process

Process

Process

Process

Process

Process

Separate Authority Access to Update Director share percentage, ROP Indicator, Customer Due Deligent

Only underwriter have the authority to update these details.

ROP Auto flagging and processing during New Bus and POS

- System need to detect if somebody changes the flag.

- Requires for the system to introduce a new ROP flag and to auto tag the proposal based on ROP rules and during Surrender/lapse/terminate process

Auto Match Company Suspense vs Proposal

Requires for the system to be able to auto match/recond between premium payment in company suspense against proposal to auto journal from company suspense into contract/policy suspense.

Trigger Credit Card Billing at Proposal Stage

Requires for the system to be able to generate credit card billing during proposal stage after underwriting has been approved

Payment Method Creation for - BiroAngkasa, Easy Payment Plan (EPP), Standing Instructions, Salary Deduction, Super EPP etc

Payment type loading:a. Auto Debit AmBank/BSN/CIMB/Maybankb. Advance Payment - Annual mode onlyc. Biro Angkasa (2% premium loading) - Monthly mode onlyd. Credit Carde. Commission Deductionf. EPP 0% - Annual mode onlyg. Cashh. Chequei. Salary Deduction (2% premium loading) - Monthly mode only

Credit Card History Movement at Contract Level for Enquiry

Requires for the system to be able to see credit card extraction/upload movement

Process

Product

Product

Product

Product

Product

PR023_P-23_Special Salary Validation Checking for Underwriter based on Occupation1. To set Occupation = student/ housewife/ retiree/ child/ unemployed in the questionnaire, the question to be answered by Life Assured & Policy Owner.2. Salary/ Income field to setup as mandatory field for Life products, non-mandatory field for Credit Life products. 3. The checking should apply to payor and policy owner. If the occupation fall under the 5 categories, payor is mandatory field to input. 4. 20% of annual income >= annual premium

This requirement differs based on the distribution channel.

Stamp Duty borned by company or customer - Common

Requires RM10 stamp duty borned either by company or customer depending on product, distribution.

This common requirement. Applicable to other products as well.

AmGroup MRTA Scheme (MRTA) - Premium Calculation based on Formula

Premium calculation for MRTA to be Formula Base

AmMetLife Waiver claim has no commisison.

Whole Life - ProtectSecure Style+ (PSS) - COI/COR Deduction Priority

Suggested setupRUL -- RULT 500 FV1=450 (Investment) -- RULI 1500 FV2=750 (Insurance) RIDER1 50

Deduct COI/COR of Rider1 from both RULT & RUL1 based on propotionate fund balance.

9-3-2015 TL: Impact on data migration, whether AMPLIS has the split?

ILP Minimum SAM Rule Validation Check During New Busines and POS

COI for the year = 50/month x12 = 600Term of the policy is 10 years, then calc PV of 600 at 4% = 5000 (example).

Min SA = Max (5000, Ins Prem-Rider PV) = Max (5000, 1500-5000) = Max (5000, -3500) = 5000Therefore SA for RULI is 5000 else should be display as an errror.

Product

Product

Product

Product

Product

Product

COI/COR Grace Period - ALILP Products

In the event that the unit balance in each fund fall below zero, a grace period of 30 days is given to pay premium or top up, else policy will lapsed after the grace period. (Except first policy year provided that premium being paid regularly throughout the time.)

Grace Period: 30 days

ILP Surrender Charge Calculation - Common

- Surrender Charge is min (10% of Total Account/Fund Value, RM100)- Surrender Charge by policy year. 1 to 3 years - RM100.00 4 onwards - Nil

Investment Link AmLifestyle (AMLS) - Premium Allocation Percentage Table

Requires for the system to have up to 7 rows of % allocation rate. This can be combined into 5 rows in Integral.

AmMetLife Scholar (ALSC) - Auto Calculate Child Lien Percentage during claim

ANB Death(Natural) Death(Accidental)1 50% of BSA 75% of BSA2 100% of BSA 150% of BSA3 150% of BSA 225% of BSA

Investment Linked Takaful (ILT), EduCare-I Pendidikan (AmTakaful Pendidikan) (ECIP) - Auto Withdrawal Function

Requires Auto withdrawal of 30% refund of Total Contribution Paid in the last 3 year irregardless of claims while cert is still inforce.

|----------|----------|----------|----------|----------|0 3 6 9 12 15At the end of the 3rd year, pay 30% x Total Contribution eg. 1,2,3At the end of the 6th year, pay 30% x Total Contribution eg. 4,5,6

Non-Lapse-Gurantee - To clear Coverage Debt (Credit Related)

Requires for the system to clear coverage debt which is not deducted from fund value. This is a very rare case.

Product

Product

Process

Process

Process

Process

Long Full Description for Product/Coverage

This is available in table TH558, key = Language + Contract Type. Product Name here is 50 characters.

Premium Rounding to Nearest 5 cents.

Requires premium rounding to the nearest 5 cents

Fund A/Fund B account valueThere are one or two product which has 2 funds, Fund A and Fund B. Where Fund B is only contains of interest. Gap is to post all interest form fund A to fund B.

Outsourced Cheque Printing - Cheque Delivery/Pick up Option Information (PR0021)

Inside Payment creation screen, a flag required to identify whether cheque is to be sent to default payee address or pick-up at branch/HQ. This flag will be used by third party cheque printing

Cashier Collection/Receipt Listing for Head Office for Reconciliation Purpose (PR0004)

Requires report same as L2CASHLIST for Head Office to print all receipts from branches

GL Substitutions for Policy Year, Par/Non-Par Fund and Interfund between 2 Different Funds

Requires for the system to identify posting from different Funds such as:- Par/Non-par substitution- Year Substitution- Par/Non-Par Interfund

Process

Process

Process

Report

Takaful Posting - Auto Interfund Between Takaful 3 Funds

- Takaful Interfund

Reconciliation Report for daily GL interface (PRT0002)Requires various recon reports for daily GL Interface by Branch, source of business etc(Should be done together with INTF 530)

Cheque Printing for Takaful (PRT020)Currently AmMetLife Takaful print their own cheque. User should provide cheque format

Integral do not have Fund Launch date - Suggested to use from date of fund table T5515 (RRT008)

Process

Process

Ability to generate daily sub-ledgers report by the following criterias (PRT0010):-

(1) Code strings / GL account code(2) Product(3) Line of business(4) Branches (5) Distribution channel(6) Plans(7) Policy year(8) Currency (9) Certificate Number (10) Transaction Date

- The system should automatically create Payment Vouchers for the Fee Payable for GST Payable and - System to provide GST Payable lisitng and allow user to create payment voucher for settlement of GST (PRT025)

ProcessThe system should have public holidays for the whole year to be maintained in the system (PRT028)

F76

Lim Lay Ching: ACTG-603 - Day 2

Process

Process

Process

Agent Income Download There is no physical Agent Statement/Income Statement from Core System. Data is downloaded to TnS & Agency Dept respectively for Agency & Banca.

(1) Frequency of payment Conventional Products.Banca, month-end. Agent, 2x a month. Others, 2x a month Takaful Products. Banca, month-end. Agent, weekly(2) Payment Method - By Direct Credit (3) Statement/Download a. For Agency, download to Touch & Serve(TnS). Agent to get statement from TnS b. For Banca, download to Agency Dept Agency Dept to sort & send to Bank HQ c. GST, premium & commission should appear on the same row. Ref : CR0015_C-16_AAD_comm statement CR0015_C-16_AAD_comm detail

Pending requirement1. Interface file to touch & serve (TnS) for commission payments.2. Download file format to bank Ref : CFI Nov 14 @20012015 (1).

20-3-2015 TL: Since the agent statement is generated by TnS therefore ODS will extract details from Integral LIFE to TnS. Integral LIFE will identify any missing fields. Therefore this requirement is changed to agent payment process batch job for Agency and Banca (2 New batch jobs).

Investment Linked Partial Withdrawal Validation - Common

Partial withdrawal - The minimum withdrawal amount is RM1,000. However, the minimum amount balance that must be maintained across all funds is RM2,000.

Renewal Notice Processing Requirements

- Different grace period for diff Billing method for same product. - No notice for monthly premium.- Only for cash method.- CGI renewal notice to follow Individual.- 3 types of renewal notices:- 2 for medical policies and 1 for others. User to share templates for medical policies.- In AmDaily Cash Plus/ AmJunior, for monthly mode policies, requires renewal notice to be sent 45 days before due date.- Requires Old policy no on renewal notice- Extract old product code from the Short desc.- GST Amount

Process

Process

Process

Process

Medical Policy Renewal Flag and Renewal Processing

Requires a new flag for renewal for medical policy, this flag will be set to 'N if there is a claim. For flag 'N' to supress printing of renewal notice. If no claim history or change flag to 'Y', then auto-issuance of notice 45 days before renewal date.

Auto Debit Bank Setup and Processing

Requires changes in processing for auto debits for 4 banks:- AmBank, MayBank, CIMB, BSN. Requires processing 3 times. Detail process to be shared by user on processing.

AMLA Checking Requirements

These are summary of AMLA requirements from Compliance:- Client auto Tagging of Risk Type (S, E and U) and Account Freeze flag, NGO, Clubs, Charity, Legal person, Occupation Risk Type, PEP flag- New option for modify these info (separate from client modify)- Account Freeze flag upload- New file for Saction list- Upload for PEP- Various pre-issue validation check on Payor/Owner/Life Assured- Payment approval validation against the above rules- Same apply to auto payment batch job- Validation check during Trustee, Beneficiary, Asignee, Owner, Payor change

Tradional product Reinstatement Outstanding Premium Calculation

- Minimum amount should be 30% of APL+APL Interest + Outstanding premium + interest APL APL LA LA LA---|-------|--------|--------|-------|------|----Reinst. 100 100 100 100 100

- Net amount = APL + APL Interest + PL + PL Interest + Oustanding premium + interest - prem susp - deposit.- Calculation of interest per due is start from due date to reinstatement date.- Requires validation on the lapse period by product.- Recalculation for recovery of outstanding premium as per new age band.

New Requirement: New formula proposed for calculating the Reinstated amountO/S premium + (Y% * O/S premium) + 30%(APL+APL Interest). Percentage of O/S premium to be configurable by the user. Raise it to the Steering committee

New requirement: Waiving of the O/S premium interest during reinstatement. Check with CSC on the estimation for this requirement to be included in this gap.

Ask for CSC to check if we can extend the coverage of the policy based on the available cash value

Process

Process

Process

Process

Process

Premium Collection/Apply Priority for Various Policy Accounts (Advance Deposit, Contract Suspense, Cash Dividend or Survival Benefit)

- Priority collection among below accounts based on table set-up:- LN/VP -- Deposit LP/S -- Suspense LP/DS -- Cash Dividend LN/EO -- Survival Benefit

- User to provide rules for offset with examples for both less premium and extra premium. - If option of 'Offset' is chosen, then can deduct from Cash Dividend, else not.- Partial withdrawal from diffferent accounts are allowed for premium payment amount but not for APL. APL should use full premium amount.

Quotation for Change Premium Mode, Add/Delete Rider, Increase/Descrease Rider in one Quotation (PR00026/PR00027/PR00028/PR00029/PR00030):

Illustration for Change Prem ModeAdd/Delete Rider, Increase/decrease SA.

Auto Payment Creation During Terminations - part/full surrender, death, CI, TPD and Maturity

- User to be able to withdraw by Amount (RM), Unit (U) or Percentage

- Auto payment details during Surrender, Maturity or Death claims, during payment creation. By default, Payee should be Policy owner. But, system to check if Absolute assignment or Trustee, then payee shoud be Assignee or Trustee.

Payee will be Policy owner by Default. Always will be Absolute assignee if Absolute assignee is present on policy.For death claim: To check for absolute assignee present if policy owner dies.

General rule for payee to be defaulted: Surviving of the three in this order: Absolute assignee, Policy owner and Contingent owner

Gap is for system to auto default the Payee information based on the applicable payee on each policy.

Monthly Charges Processing (PR0081):

The charges to be deducted from the funds are proportionately based on the value of the units (in the respective funds) at the last pricing date. The order of deduction is COI, MAC, POLFEE.

Finance requires the split of charges in the three buckets identified.

Auto Payment of Excess Premium for Terminated Policy via Auto Credit (PR0082):

Currently, Base system Auto Payment Refund batch job is only used Auto Cheque as the payment method. AmMetLife requires for this Auto Payment Refund batch to use auto-credit details, if present in policy. If not present, then select outsorced cheque option.

Process

Process

Product

Process

Surrender Processing - Validation and Reason Code (PR0088)

- Reason codes to be captured for Surrender, CFI, etc.

- System should support calculation and refund of COI/COR based on prorated amount if prorated amount >= RM20 for surrender/death/… for Unit Linked products.

- Maker/checker required for all finanacial transactions with authorization limit for each user- Agreed to drop.

- Surrender should not be allowed if there exists outstanding installment premium for MRTA installment policy.

- If the Policy has outstanding installment premium, Sum assured is reduced based on the total premium paid once the installment term is ended.

Freelook Cancellation for Unit Linked Plans (PR0095)

- System to allow Cancellation From Inception (Cancellation – Cooling Off) for cases more than two (2) years based on appeal/approval basis.

- Refund amount to include all Unallocated Premium for Target Premium & Top ups - CSC to Check and confirm.

- Refund amount to include all monthly charges (COI/COR, MAC, POLFEE) - CSC to Check and confirm.

Annual Statement for ILP & ULP (CR0016&17)

- To split charges like withdrawal fee, switch fee by Unit (No longer required)

- Death Benefit & Surrender Value

- Nominee Details

Interface-Batch

ILP - Refund unused COI/COR during Death or Surrender processing (common)

Requires to deduct unused COI from claims if there is any

Gap is for system to deduct the unused COI/Tabarru for any death claim received during the 30 day grace period for ILP products.

Provision posting during Minor Claim (PRT0012)Requires to generate provision and reversal of provision for policy benefits(Similar to CLM-543, but it was marked as workaround).

Process

Process

Process

Process

Process

Process

Process

Time of Supply for Receipting for GST

Requires for the system to auto default the calculation of GST during receipting (as long as contract number is supplied) and split premium exempted from GST and premium with standard rated

LP/S 200 - ExemptedLP/S 100 - ST (Standard Rated)LP/GS 6 - GST Suspense

GST Suspense Applied during New Bus Issuance, Collection Process and Paid-to-date Advance

Since the receipting has been split into up to 3 dissection above, therefore the current posting at new business issuance/collection/paid-to-date advance need to be changed

GST on Other New Charges which has not covered by Base system

There are many new charges introduced into the system by AmMetLife which base system doesn't have. Therfore, requires for the system to call GST subrutine for new charges created, like policy change, replacement medical card, surrender charge for trad etc

To Auto split between premium and GST amount during Direct Debit Return File

Requires for the system to auto split between premium and GST amount to be posted to the correct account

Death Claim Calculation Components (PR023)

Requires for the system to identify and calculate DITC (Deemed Tax Input Credit) for GST rebate

GST Refund Process to do Pairing and Invoice TaggingRequires the system to tag old Invoice number during GST refund & premium refund (pair)

GST on Advance Premium ProcessingDuring premium collection from Advance premium account, system needs split to two different sub-account ie. premium suspense and GST suspense

HPRTA AutoLife Upload - Monthly Batch

Data transfer from AmBank on new HP loans for HPRTA/HPRTT issuance- Agreement No & Date : Use Applno & Date- AmBank Dealer Code- Model Code- Vehicle Registration No- Proposal Refer No : Use Cross-Ref #- Individual receipts are not required-------------------------------------------------------------------------------------The above may be superceded later with the following ...

AmWins Daily, Individual Case - supposed to replace the HPRTA version- Data transfer from AmBank on new HP loans for HPRTA/HPRTT issuance- Matching by bank reference

User mentions that the changes from Batch to Individual cases could be implemented in the 2nd half of 2015.User mentions that MRTA was not considered here. This could be looked at later.- Hire Purchase- Payments = Premium - commission - GST

Interface-Batch

Personal Finance Data File Daily Upload - AmBank (PFRTT)

- Uses the Daily basis- Personal financing records from AmBank for RTT (Reducing Term Takaful) issuance- Fields will be different- Bank in 1 lump sum payment with details of the transaction and send email on the bank-in slip detail & list of successful proposals. PAD to check Bank Report & email to match, prepare a excel/csv to Finance to upload, match & journal to the proposal suspense account. - Individual receipt is not required

Interface-Batch

Sanction List Upload Interface and Ad-hoc Upload

- AMLA, FATCA & BNM matrix- Extract & upload csv full list - Unflag & Re-flag for clients- Fields are: Name, IC No. Country depending on the source - Identify the source eg. BNM, List of actions to take eg. Premium, surrender, NB etcc.- Download list back to source eg. BNM

Interface-Batch

AmBank Autodebit Enrolment Download on 7th, 25th or Adhoc

EnrollmentSent to separate banks, AMBank, BSN, Maybank. Via POS screen on demand to be sent to the bank. Can adhoc sent to bank.

Customer Ref No2 = Policy NoPolicy Status = N for Register, T = De-register

Date to download enrollment file. 7th & 25th will be run by IT Operators on scheduled date & put on common folder while adhoc will be passed to PAD to run.

Interface-Batch

Maybank Autodebit Enrolment Upload - Third Party Account

Requires for upload details to core system

Not many transactions.

Interface-Batch

LIAM ACID (Input Into LIAM table)

LIAM sends the ACID file via email. The data will be placed to SECLAN at a designated path where the system will fetch and update to LIAM ACID master file. The process will update all records except records with company code '05'.

Interface-Batch

BancaPOS - Online & Batch Submission of Proposals

Front end system for bancassurance submission and acceptance of proposals

Online SubmissionLogin to BancaPos (DynaFront System)1. BancaPos --> EAI Webservice proposal data --> DMS Server proposal document Application No generated by BancaPos 2. BancaPos --> AMPLIS request message message schema3. AMPLIS to validate & put into Proposal Master files Validation eg. premium , Jet U/W, etcc..4. AMPLIS error code --> EAI Webservice

If failed, batch upload1. BancaPost to resubmit2. AMPLIS to read proposal data in XML & write to temp tables3. Error Report, IT to take action

Images/Documents go direct to Document Server independent of the Data to Core System.

Ref : BancaPOS Online WS format BancaPOS AmPLIS error code BancaPOS file format BancaPos xml sample

Interface-Batch

Autodebit Billing Download & Upload - AmBank and Ad-hoc Batch

- Automate to run on 9th & 27th- Redownload if required- Send via ftp for AmBank Only- Has Total = Need the formula

Ref : Autodebit AmBank Billing

Interface-Batch

Autodebit Billing Download & Upload - CIMB

- 3 banks here . BCB, BBMB, Muamalat Accounts.- Batch# = DDMMYYSS, where SS = Serial No default to 01 - Debit is delay as it is depend on the staff returning to work- Hash Total = Customer Account Number + Debit Amount

Ref : Autodebit CIMB Billing DL

Interface-Batch

Autodebit Billing Download & Upload - BSN

- Debit is delay as it is depend on the staff returning to work- Hash Total= Right 4 digit Customer Account 1 + Right 4 digit Customer Account 2 = Right 4 digit is Hash Total(see below illstration)

Ref : Autodebit BSN Billing DL

Interface-Batch

Autodebit Billing Download & Upload - Maybank

- Debit is delay as it is depend on the staff returning to work- Has Total = Sum all Account number - get right 4 digit Account No as hash no

Ref : Autodebit Maybank Billing DL

Interface-Batch

Collection Upload from AmBank Teller

- Teller <Web Services > to AMPLIS Based on Ref#, check for Policy, then Proposal to retrieve details Comm default to 0 Sales Type = NB or Renewal Teller --> Based on Source ID eg. 03- AMPLIS, 04- AM-TAKAFUL, etcc.. (Enquire) 03,04 --> Teller (Response )- Teller <Web Services > to AMPLIS Key-in Payment Collection Discount Type - Not Used BP will not be sent to AMPLIS ( HPRTA, it will be the Batch# rather than Pol# ) TellerID= Need to store separately Cheque Amt, Cheque No = For cheque pymt, missing details eg. Cheque Date, Bank, Cheque Type PersonalBankerID = Agent - Download to AMPLIS <Batch when Web Services Failed > GFTP/AC/AMPL_ddMMyyyy_RECON), need to be uploaded This is called Stand In File / Reconciliation File AmLife will inform how to identify the data that is successful or failed in this file.

- Prod Type = Grouping based on the products, BancaPos or Manual Submission. Proposal Not in yet, check ApplNo.

- Validate based on Proposal# (Appl#) & IC#(if available).

Ref : AmBancs Teller, AmBancs Teller Recon

Interface-Batch

Collection Upload From BSN Counter

- Unsuccess Amt = Not Used- BSN receive pymt over counter & sends the list to AmPLIS- No report/file is required for BSN but report only for users- Users will revert back to BSN - Cheque Payments are not accepted over the counter- Parameter = BSN Counter, Upload Date- Filename = BSN Counter + Upload Date

Ref : BSN Counter sample, BSN Counter

Interface-Batch

Biro Angkasa Salary Deduction Upload

- Biro send in multiple times in a month- Data could be repeatedly sent but deduct only 1x- Member No = Client No in AmPLIS/INTEGRAL- Account Type = 501, 502, 503, 504, 505. Note : Need to store these in NB Proposal Entry

Ref : Biro Angkasa

Interface-Batch

AmBank Credit Card Billing Download & Upload

- 1 Batch = 999 records, need to split into multiple batches if > 999 If there are 3 batches, these are put into the same H,D,T,H,D,T, H,D,T. Header, Details & Trailer.- Expiry Date = Leave this blank as it could be renewed at bank- retries if failed similar with Direct Debit- For dates without billing/details, still need to sent without D but with dummy H & T.

AMPLIS ParameterStart = 1/1/2015End = 27/1/2015Interval Day = 3

Additional #1- Start & End Date --> Determines the Credit Card Attempt- Interval Day = 3, generates multiple attempts eg. 1, 4, 9, 12 excl Sat, Sun & PH.- At policy level only 3 attempts to stop.- Start = 1/1/2015, End = 27/1/2015 to allow the same month. 3 days interval, Last day attempt 27+3. Day1 Upload, Day2 Download, Day3 Checking. Followed by next cycle.

CSC Explaination...The parameter is no longer required as Integral we have Mandates that tracks the attempts.

Additional #2- Merchant can be changed from AmBank to another bank depending on the charges & services. But same credit card.

Ref : Credit Card Billing DL

Interface-Batch

MRTA Premium payment Upload

- After GST, pay gross premium- MRTA for the public- Payment after NB notified to policy holder- To reject if discrepancies on the amount

Interface-Batch

WorkFlow Interface

Requires for the system to integrate with the InfoConnect

- Integral uses GenApps for FrontEnd.- AmMetLife to use WebServices or Data Direct (eg. SMS)

AmMetLife/InfoConnect to provide list of functions of Web Services for estimates.

Interface-Batch

GL Interface (Computron) Daily Download for Delta

- AMPLIS does not generate double entries- Data Stage generates the double entries Ref : GLInterfaceFormat-AmMetLife-AmTakaful- This enters the COMPUTRON

Fields- BranchCode = AM Assurance Branch GL Mapping eg. A00, Agency Code is mapped to this field.- Cost Centre = Agent Channel- Line of Business = Par/No Par, Investment Link, Traditional, etcc..- Computron Product Code- 1-Asset, 2- 3- 4- 5- 6- Operating Expense, 7- Provision- GL Code eg. Premium Received is only 1 acct. The others details are other fields. - Premium Type = N/R NB & Renewal- Batch Refer = Balancing by Branch, Fund Type & Currency. 081 =Conventional & 085 = Takaful ( Legal Entities Code )- Detailed Reference = Description eg. Withdrawal, Loan Settlement- Output GPWL001.txt

8 Core blocks is summarized on top.

Subledger Reconciliation- To ensure Balances Source & BL.- Balance Code = GL Acct- Balance Sheet- Summary Level YTD- Output GPWL002.txt

Note : Only point #1 in excel spreadsheet is applicable.

Interface-Batch

Process

Outsourced Cheque Printing Download

- Payment Type = Local Bank Cheque- Cutpomer Reference = Optional, for combine of PV- Debit Account Country Code =MY, City Code =KUL- Debit Account No =- Payment Date = Download Date- Payee ID = Optional, reference = Unique No + batch#- Payee Name1 = - Payee Name2 = Optional, 'I/C No ... ' or 'Passpost No...'- Address = No issue of truncation but AMPLIS is 60 chars.- Payee Bank Code = N/Applicable- Payment Currency = MYR- Local Charge to = C (Default )- Clearing Zone Code = Mapping required- Delivery Method = Courier, Mail, Pickup decided by Business Unit ( Default to Courier or Mail )- P16 till P19 = will be AmMetLife if sent to the office destination. ...

Interface-Batch

Outsource Cheque Printing Upload - Cheque No and Status

- Upload details of the cheque (status)- Send details to SMS Text File for SMS - Display status on the sub-account balance details screen

Ref : Outsource Cheque UL

Interface-Batch

Direct Credit (AmBank and SCB) File Download

AmBank- Othar than SCBSCB- for SCB accounts

Interface-Batch

ROP Batch jobRequires a new batch job to check data from other system based on the IC number. User should provide interface file to Integral.

GenApps interface screens changes- Conventional- Takaful

Interface-BO

Agent Details Upload and Agent Payment Upload

Requires upload of other commission payment for agent. Agent will get commission from sell within the bank eg. Hire Purchase, Credit Card

Sub-account code and type to differentiate Non-Insurance from Agent Compensation/Reimbrusement.

20-3-2015 TL: It is agreed that Agent remunerations will be calculated outside Integral LIFE, but it is assumed that Agent Payment still in Integral LIFE. Therefore this requirement is changed to agent payment upload and agent details upload.

Interface-Batch

Approach Company Sizing Platform

Gap Day-1a Both 5 Selling Integral LIFE Day-1


Gap Day-1a Both 6 Both Integral LIFE Day-1


Gap Day-1a Both 17 Both Day-1

Gap Day-1a Both 12 Integral LIFE Day-1


Final Decision

Selling/ Non

Selling

AmMetLife

Decision

Integral LIFE & Agency


Gap Day-1a Both 58 Selling Day-1






Integral LIFE & Workflow


Product Xpress & Integral LIFE



Gap Day-1a Takaful 5 Selling Day-1

Gap Day-1a Takaful 18 Selling Day-1

Gap Day-1a Takaful 16 Selling Integral LIFE Day-1












Integral LIFE & ODS




Gap Day-1a Both 30 Selling Day-1Integral LIFE & Agency

Drop Day-1a Both 10 Both Day-1









Gap Day-1a 25






Integral LIFE & ODS







Non Selling







Gap Day-1a Takaful 7 Both Integral LIFE Day-1




Gap Day-1a Conventional 17 Both Integral LIFE Day-1

Gap Day-1a Conventional 10 Integral LIFE Day-1




Gap Day-1a Takaful 29 Both Integral LIFE Day-1


Gap Day-1a Takaful 16 Integral LIFE Day-1

Gap Day-1a 7





Integral LIFE & ODS

Gap Day-1a Both 27 Both Day-1Integral LIFE & Agency

Solution / Workaround / Comment Prority

2

2

Modify the payor screen by adding a new relationship field to Owner/Life assured. 2

2

5

6

8

- Modify the submenu screen to have Application No for user to enquiry proposal/contract

- Create a new file for Application numbers

- Modify the proposal screen to check any duplicate application no is entered

01-6-2015 TL: Reduced efforts to follow HK solutions.

- Modify proposal enrty screen with those new fields and change field labels

- Make statistical field 1 & 2 to be mandatory and change the label to 'Fact Find'

- Currently the checking of age admitted flag againts document number instead of ID number.

- Modify the LIFE assured screen to change from SOE document no to ID Number.

Create a new flag at policy level

Create a new menu to overwrite this flg

Modify the current agent payment batch program to look at this flag

- At Contract Enquiry screen add new search field for 'Old Policy number/ 'Cross Ref Number' without entering contract number of Integral

- Add a new GST flag at policy level for exempted cases- Modify current GST program to skip if the flag = Y

2

2

2

3

3

3

3

Similar to sum assured multiplier (SAM) calculation

21-3-2015 TL: Included inside NBS-258, interface only to Workflow. Workflow will calculate TSAR.

24-3-2015 TL: added back as a Gap based on VT's email


Currently underwriting worksheet is available in system, require customization, but unable to print.

20-3-2015 TL: Create a new batch job or queries to extract data then link with webservice for UW Worksheet

24-3-2015 TL: changed back to original based on VT's email

- Create new table(s) to store Jet UW rules by product, accumulate per life, by risk class, period etc

- Create new program(s) for jet UW rules

- Create a new file for jet UW processing

Suggest to simplify or use base system with some modifications

20-3-2015 TL: Create a batch job or queries to extract data then link with webservice for Jet UW rules to process

24-3-2015 TL: changed back to original based on VT's email, instead of interface only.

Create a new surrender subroutine

AmMetLife to provide formula for estimation.

Create a new surrender calculation subroutine based on formula

AmMetLife to provide details.

31-3-2015 TL: decision from pX meeting at AmMetLife office 4-6pm

Create a new benefit reducing of SA subroutine

AmMetLife to provide formula for estimation.


Create a new SA reducing calculation subroutine based on formula



3

3

3

3

3

3

3

Create a new reducing SA subroutine for this product based on formula.

Need more details.


In Integral, routine RLDTRRD provides the Annual Rest RSA schedule on a yearly basis.

Create a new windowing option Create a new file or expand existing file MBSPF to store monthly reducing SACreate a new monthly reducing SA benefit screenCreate a new subroutine for reducing SA calculation by month.


Applicable for basic and rider.

To deduct upfront on allocation. Report not discuss here.

Create a new batch Job to calculate the surplus to be distributed back to the participant based on each policy. May need to check for any claim, if there is claim on that year, no surplus to be given. May need to validate against minimum amount to be distributed.

For All policies with PTD after the Financial YearEnd will get the investment profit distribution eg. Lapse after PTD. This will be distributed as cheque instead of units. For Lapse cases, the coverage debt has been write-off upon lapse and there is no o/s charges to be set off against the distribution for the contract.

Note : simplified formula 26/01/2015 as explained by Daniel.

Create a new premium subroutine to calculate based on attained age & remaining term. This can be used for different coverage/riders eg CI. Attained Age & remaining term should only change on next policy anniversary.

- Modify the current premium calculation PRMPM09 to include mortality class. - Modify the current H&S screen to capture mortality class- Modify the current table T5664 to add a new eky for mortality class

NB to explain how to capture weekly income as Malaysia Salary is based on monthly basis.

Suggestion, Monthly wage x 12/54 to determine the weekly income.

VT: Weekly income to be computed as Annual income/52

3

3

4

4

4

Create a new death subrotine for this monthly reducing SA


- Create a new table to store RM5000

- Create a new Death Claim subroutine for this

Modify the current receipt function to add new pop-up screen when contract number is entered. This pop-up screen will only work if AmMetLife enter receipt one policy at the time. The contain of the new screen would be name, policy status, susp bal, loan bal, GST and premium split (EX & SR).

User need to decide what other info to show.

'- 'Reference No' field on Receipt creation screen (SR289) can be used as 'BANK-IN-SLIP NUMBER'

- Modify the current receipt screen by adding a new field to capture 'Manual Receipt Number' or Add together inside ACTG-616 (Manual Receipt maintenance)

- This will depend on Maker/Checker gap

- This will depend on Maker/Checker gap

Modify table T6657 key (batch payment bank) by adding transaction code to differenciate diff batch transaction for diff bank account.

4

8

8

5

- Create separate subaccount-type (CC) for credit card charges T3695

- Create a new field to store credit card charges percentage in TR338

- Modify the receipting program to auto default this charges

- Modify the cash list report to include Approval Code for EPP or Credit Card.

- Create a new table to store account which attract GST based on Sub- Account Code/Type and account code - Modify the current receipting to promp error message if GST amount is not entered.

- Modify table key of TR25R to include Payment Type and add new field for rounding to 5cents- Modify the rounding subroutine program (ZRDECPLC) to round to 5 cents for all Cash Payment.

(1) Common Fields Identified Recruited by, License to sell Trad, IL & LIAM License ( 4 fields each), Agency Code & Operating Branch Code, Source of business, Submission Branches (5 lines), GST Member & Registration Date, Old Agent Number (12 chars)

(2) For Agency Need to key-in Agency Code & Operating Branch CodeUser will need to key-in OR Hierarchy on Appointment. System to pick up ALC Company for GST Reimbursement purpose.

(3) For Banca Need to key-in Operating Branch Code. No need for Agency Code. Operating Branch Code table T5696 will store the details for Region(05), Area(05), District(05) & Branch(03). These will be provided as table. For first time, IT/CSC to help to upload list to new tables. Subsequently, maintenance to be done in Integral. Bank HQ.

User will need to key-in OR hierarchy to report to Bank HQ.System to pick up Bank HQ GST for GST Reimbursement purpose.

(3) All Appointment will need to generate a record in Agent Movt file (new).

(4) Mandatory FieldsPending from AmMetLife to provide list here.

(5) Table T3615To include GST Level eg. ASF (Staff Agent) donot need to calculate GST. Whereas ALC & Banca will need to read Level#1 for GST Number.

GST Level = G(Group), I(Individual), Spaces(Not Appl.)

5

6

6

Create a new function for Rider Maturity (partial policy) ie. With CSV. 6

8

8

8

- Add a new field 'Source of business' on Agent Maintenance submenu

- Create a new item to identify source of business in auto numbering table T3642

- Modify the current auto numbering to include Source of business

Create a new surrender submenu to be able to select by component (similar to manual lapse but with cash value)- Add effective date on the screen

Create a new function for terminate status (clone from manual lapse) and change the status to 'TR' = Terminate

- Create a new item in table T3642 for GST Tax Invoice Number

- Modify GST subroutine which called by many transactions related to GST generations to include tax invoice number

- Modify the current GST/Service Tax file to store tax invoice number, premium/coi and other related data for interface to AmBank then Custom office

- Create a new file (similar keys to ACMV) to store transaction which has been reversed to identify invoice number.- Modify the GST related transcations to write to this new file

- Create a new sub-menu for Tax invoice Enquiry and Tax invoice reprint trigger by date range. - Printing and fields extractions will be done by ODS.

4

4

6

6

7

7

1

- To create a separate window to trigger refund excess premium letter. To be confirmed on the payment refund screen.

- Modify the current Auto Payment batch job to read a new flag or specific follow-up code for Inforce status only.

Please see similar requirement on NBS-336, PAD-438, PAD-461, CLM-561 and CRB-637

LLC@02/06/2015: Confirmed by Finance Takaful, reference number field is require for each transactions generated in S&R report. The document number & Operating field requirement can be dropped. Please confirm any gap in Life Asia.

TL@03-06-2015: None, how about gain & loss calculationTL@10-06-2015: Gap to add 'gain & loss calculation' and keep in the file for ODS to extract.

Add new extraction program(s) (assumed 5 such programs) such as CSV when sending letter extraction to third party

Create a new extraction program for Re-print flag which will be used for all letter types. These will be generic XML required fields: Letter Type, Transaction Code, Policy number, Reprint flag, Cash value ('on the fly field').

Modify the Group detail screen at contract header to increase the length of Member Ref number to 20 chars long.Notes: Certficate Number is Member Ref no.

- Create extract for Group no, Mem Ref No. and Master pol no. from Screen S5090 (Included inside CLM-570)

31-3-2015 TL: decision from pX meeting at AmMetLife office 4-6pm, ODS will do extraction for all letters

- Create a new subroutine to be store inside table TR383 to be able to differentiate letter by component or

- Create item key in table TR384 as component code + transaction code to be able to differentiate letter by component

- Modify the client screen- Modify table T3645 - occupation code to have extra data screen to capture occupation code & high risk indicator- Modify postcode field to be tablised/drop down option and to have extra data screen to capture State for each postcode.- Create a new windowing screen for GST details- Create a new subroutine for NRIC validation- Create a new windowing screen for Employeer's details

9-3-2015 TL: Related gaps are NBS-246, CMP-373, INTF-397

1

2

2

2

2

2

- Create two new options at New Proposal submenu for modification of Customer Due Deligent and overwrite of ROP flag.

Director Share Split - open to all user using client modifyROP Indicator - Original flag and overwrite flag fieldsCustomer Due Deligent - open to underwriter, PAD, compliance

- Modify proposal screen to add a new field for ROP

- Auto tag this field based on ROP rules

- Add a new validation if ROP flag = Y

- Add a new option for user to change this ROP flag to override

- POS ROP tagging in surrender, terminate contract etc

- Audit trail for ROP flag to be provided.

Create a new batch job to auto match/recon between receipt at company suspense & proposal (apply cash function) based on same application no entered inside proposal & receipt.

Workaround: Manually match during proposal entry


- Create a new billing batch job to look at a specific follow up code for proposal status

- Create a new file for extraction

- Create a new batch job to upload credit card payment

Need to update credit-card history enquiry

Modify the current program to add many payment types

9-3-2015 TL: Please see PAD-350 and WOL-066

Add a new windowing option for credit card/direct debit enquiry at contract header & proposal screen to show extraction date, received date etc

2

3

3

Modify the current collection program to skip commission calculation 3

3

31-3-2015 TL: decision from pX meeting at AmMetLife office 4-6pm 3

- Create a new table to store Occupation Code for non-salary definition.

- Add a new pre-issue validation program to check the policy owner/payor falls under the above cotegory, if yes then owner/payor should fill up 'Salary History' details

- To setup income field as mandatory field under table TR51E, key item contract type + component codes

Need more details on borned by company or customer.

In Integral, there are 2 options:

(1) With Accounting, setup in T5687, T5676, T6650 based on SA & Rate.

(2) Report Only. Table TR204 based on SA & Rate. Run schedule L2DUTYRPT, based on date of all contract issued.

28-5-2015 LLC: This gap applicable to AmMetLife Takaful as well. Change from Day 1b to Day 1a.

Create a new premium calculation subroutine based on formula



Create a new benefit billing subroutine to deduct coverage debt from new priority table which user can define.

3

3

3

3

3

3

Grace period for COI before lapsing.

Workaround: Not exactly same but close enough by setting up inside table T6647 under row "Unit Cancellation Order - Debt = 1 month"

- Create a new subroutine for surrender charge

- Create a new table to store surrender charge % and amount

- Create posting account for this charge and call GST subroutine to calculate GST


- Modify premium allocation table T5536 to have more rows

- Modify the current program and file to cater for this

LLC@08/06/2015: Change from Day-1b to Day-1a. Is applicable for Takaful as well.

(1) Table Lien Code + Reason Code to allow different % of SA. (2) Move Reason Code from Death Claim Program to Submenu, to allow subroutine to calc the SA(3) Subroutines to include new Table, Lien Code, Reason Code to calculate SA.(4) Subroutines eg. Processing routine & Trigger routine to include new Table, Lien code, Reason Code


28-5-2015 LLC: This gap applicable to AmMetLife Takaful. Change from Day 1b to Day 1a.

- Create a new file upon issuance similar like Survival Benefit (AE).

- Create a new file to store rule for auto withdrawal eg.30% and year

- Create a new batch job to process on year 3,6,9, etc. and check for PTD to determine to release the 30% of last 3 years contribution.

Create a new batch job to clear the coverage debt for single premium cases where FV = 0, if there is any.

3

3

3

4

4

4

(1) Add Long Description 2 line, total 100 characters.

(2) Add key Source of Business to differentiate based on Agency & Bancassurance.

(3) Change Table TH558 for both contract type & coverage type

Integral base calculate based on nearest 1,10,100, etc…Modify the rounding to be based on 5c.

Modify current interest table TH507 to define which fund for the intererst to be allocated and clone the interest calculation program to separate interest into this fund.

LLC@02/06/2015: This is related to gap TKFL-677, END-173 and INTF-528. Please review the sizing and confirm whether this requirement can be covered under these 3 gaps instead of splitting into few gaps.

TL@03-06-2015: No, TKFL-677 is still notes, END-173 is Surrender calc and INTF-528 is interface of other cash values.

Add a new field for flag/code (table driven) on payment screen (S2200)

25-03-2015 VT: If we agree to move this gap to Day-2, suggest to change the process to send the cheque only to one location out of the three listed below:1. Send to HQ 2. Send to customer address3. Send to nearest branch.

Til a decision is reached on change in process, moving the gap as Day-1 for CSC estimation

Clone L2CASHLIST batch to extract all receipts for head office finance department to be able to do recon for each branch.

Create new GL subroutines for Non-Par/Par substitution (Use table T5687 Statutory Fund field - T5686) and policy year (1 & R). Create a new table for year substitution.

4

4

4

4

- Takaful has 3 distinct funds (Operator, Participant and Risk/Tabarru funds). In current GL posting in Integral/LIFE we need to do interfund if one account in Operator fund and the other in other fund and vice versa.

- Create a new interfund table for Convention product on par and non-par for bank code. Create extra auto additional interfund postings on the Receipt and Payment functions when receive/pay from par-bank to non-par policy and vice versa.

Workaround: Do interfund outside Integral LIFE system

- Batch program download from Integral to Computron to provide a sum total reconciliation report.- Other recon reports (21 of them) shoud be done by reporting tool (ODS)

Currently Integral has the facility to print cheque, there are 2 batch jobs to be run for printing cheque:- L2CHQPRNxx (Auto Cheque Processing) where xx is bank code- L2CHQLST (Cheque Listing/Printing). Requires to change the cheque format for AmMetLife Takaful.

LLC@02/06/2015: Please clearly specify this item TKFL-700 is related to which requirement, so that both CSC and AmMetLife would have same understanding and no gaps are missing out.

TL@03-06-2015: RRT008TL@10-06-2015: Gap to add new field in table T5515, possibly need to store in file for ODS to extract.

4

4

Modify the current contract issuance, collection and paid-to-date advance to post Wakalah (non-invest portion) to be posted during these transactions rather than the next day (during unit deal)

Create a new upload RI payment interface file to Integral Life.

- Similar to TKFL-689, to provide error message if certain fee payment attract GST- Provide a new batch job to list GST payments

4

Modify the current unit dealing program to process dealing when the unit price is keyed-in for effective date.

Example 1:Today = 1 June 2015Tomorrow = 2 June 2015, unit price is keyed-in for 1 June 2015 transactions, therefore any new business and other transactions capture on 1 June 2015 will be process on 2 June 2015.

Example 2:Today = 1 June 2015Unit price available = T + 3 = 4 June 2015, unit price is keyed-in for 1 June 2015 transactions, therefore any new business and other transactions capture on 1 June 2015 will be process on 4 June 2015.

5

6

6

1. Setup batch schedule. Non-Takaful, monthly, bi-monthly & weekly run. Takaful, monthly & weekly run.

Monthly & Bi-month will include weekly. 2. Customize L2NEWAGPY a. Need to check non-insurance income from AmBank. There is a special mechanism as not the full amount will be paid. The paid amount will need to be written to Agent income Paid File (New). Amount with-held is rolled over. ( See gap for Non-Insurance Income Processing ) b. To stamp the cheque & payment details ( See gap for Agent Income Screen ) c. Re-organize Data for GST, Premium, Comm, Comm Rate required for Download into Agent Income Paid (New) d. Download Details to TnS for Agents e. Download Details to Agency Dept for Banca

20-3-2015 TL: Re-estimate. Clone agent pay batch job for banca. Modify ZCTN file to add new fields.

Modify the current validation to check based on total funds.

In Integral, it is based on Minimum Amount remain in the fund.

Workaround: follow base system, by each fund.

- Modify table T6654 to include skip renewal notice flag- Modify the billing program to read this new flag to skip renewal notice- Create a new letter extraction program for 'Ref number' field at contract header screen- Create a new letter extraction programs for short desc of table T5688 and T5687. Short desc will be used to store old contract/component code

Note:- In Am Medic Flexi, If retirement option is "Y", then deductible changes to '0.00' and renewal notice to be printed with adjusted premium.

9-3-2015 TL: Suggest Prem Notice to show all eg. SB, APL, Loan, ..

31-3-2015 TL: decision from pX meeting at AmMetLife office 4-6pm, ODS will do extraction for all letters

6

6

6

6

- Add a new 'Renewal flag' at contract level

- Create a new option at 'Minor Alterations' submenu for manual update this flag

- Modify the billing program to skip this process to be billed if the value of ths flag is N. ie. don't generate renewal premium notice

Modify the current direct debit process to be able to do re-billing for 2 times

18-2-2015: Auto suppress next billing. No of times to send to bank is configureable

- Modify client screen, new option- Create a new batch job for upload account freese flag- Create a new file for Saction list- Create a new batch job for upload PEP- Add a few pre-issue validation checking for AMLA- Modify Payment approval to check AMLA limit.- Modify Trustee, Beneficiary, Asignee, Payor and and owner change programs to validate agaist AMLA rule

Warning message to be displayed in Payment also, if match.

- Create a new table to store reinstatement rule (same table as above)

- Create a new reinstatement screen program to calculate minimum reinstatement amount to include APL & APL Interest and 'Net Reinstatement Amount'

- Calculate interest for outstanding premium based on the due period

- Validate allowable reinstatement period

20-3-2015 TL: Re-estimate based on % table of total premium outstanding and calculate interest based on due period

6

6

6

6

6

- Use table T5645 to set-up priority or a new table for premium application- Modify collection program to follow priority table- Partial withdrawl allowed from multiple accounts, if previous account has insufficient funds. for APL, no partial allowed.

Survival offset option no longer required since default option is accumulation of cash benefit. Priority collection can be used instead

Create a new option for quotation and letter

9-3-2015 TL: Merged with PAD-384.

20-3-2015 TL: Since PAD-384 is dropped, then estimate move here. Simpler since only quotation and not writing to files.

- Add a new table to store auto payment rules for various transactions such as payee, payment bank, payment type, authorised amount, etc

- Create a new auto payment screen which will be used on each transaction

- Create a new auto payment subroutine to create payment requisition once the user enter PAD or claim transactions

Notes: User already confirm that withdrawal by Unit is not required.



Currently system adds all fee into a debt account which will be deducted from unit fund.

User need to confirm whether still requires priority on deduction else gap.

18-2-2015: Agreed to drop

02-04-2015 TL: change from 'Drop' to 'Day-1a' as per VT email.

- Create a new payment rules such as payment type (cheque or auto credit for auto payment batch job.

- Modify the current batch L2AUTOPMT to read new table


6

6

6

7

7

Modify the current surrender function: - add a new table to store surrender rules such as prorate COI/COR, validation check etc - add a new field for reason code. Use common Reason code table (T5500) - refund un-used COI/COR calculation - validation check for MRTA product - reduce SA if MRTA installment payments have not been paid

Workaround: Use cash value to minus the premium, instead of reducing SA

Modify the current FLC table (TH605) to include more rules by product type, input date (similar to IL product), refund calc.

Modify the FLC program for IL product formula

Add a new FLC option for medical product.

Note: Any cancellation during freelook period should use 'Freelook' function. Any cancellation after freelook period should use full surrender function (see PAD-466)

- Modify the COI handling to split charges by units- Create a new batch job to download these info for printing vendor to print

A grace period of 30 days is to be build in the system. During this period, any claims will need to set-off the Tabarru/ Cost of Insurance first before pay-out.

Create a new subroutine to be called from Death and TPD Claims. Need to consider TPD as Regular Claims and consider tabarru/COI for pending amount.

Modify the below 5 transactions at Minor claim to post provision:- Register & Modify: create provision- Approve: will clear provision- Reject: will reverse provision- Exgratia: will clear provision Modify L2REGPAY batch job to consider these provision.

8

8

Need to identify new charges 8

8

8

Create a new process or batch job to identify the refund of GST together with premium 8

8

- Modify the current receipt function to auto generate GST amount as long as there is policy number and add GST Tax Code

- Manual entering of the split will still be available

- Modify these 3 programs (issuance, premium collection and paid-to- date advance to check GST & premium suspense separately

- Modify accounting mapping table to use LP/GS

Modify the current direct debit upload/apply batch job to call a new receipting BO to auto split between premium and GST.

Modify both death claim and minor claim to have a new windowig screen for capturing DITC flags. User requires for the system to auto detect.

Modify the current collection program to deduct total amount including GST then split it into 2 suspenses (LP/S and LP/GS)

AmMetLife to decide later to implement the Batch# block or AmWin Individual upload. During the discussion, PFRTT is similar to HPRTA and if batch# is implemented, PFRTT can tap on to the solutions for matching the data.

1. New Batch job to upload (Interface) a. New File to store details of upload b. BO program to load into proposal data entry screen c. Log errors, download return 2. Return Payment File ( Finance Interface ) a. AmBank pass data, upload to Company Suspense with Batch#3. Matching Online Screen a. Key-in Batch No b. Pull Company Suspense c. matching premium to proposal eg. sufficient/match, short pay, at batch level.4. U/W, Issuance, Reject pass back to CRB dept.

----------------------------------------------------------------------------------1. New Batch job to upload (Interface) a. New File to store details of upload b. BO program to load into proposal data entry screen c. Log errors, download return 2. Return Payment File ( Finance Interface ) a. AmBank pass data, upload to Company Suspense with Bank Ref# for individual cases3. Proposal Screen for matching 4. U/W, Issuance, Reject pass back to CRB dept.

6-3-2015 TL: Add the follwoinga. Duplicate records - soft checkb. to expand the length of bank reference number up to xx characters

LLC@08/06/2015: All payments of HPRTA product will be in gross payment. Please strike out this sentence ‘Payments = Premium – commission – GST’.

Individual Case upload on daily basis.

Suggest to tap on the solution for HPRTA using Batch# for matching instead of providing a separate solution. PAD to discuss with Bank on possible Batch# format to adopt. However, should HPRTA go for AmWin solution, PFRTT will need to have a separate solution.

Opt(1) do together with HPRTA (2) Separate solution from HPRTA. Estimate is based on separate solution.

6-3-2015 TL: Similar to MBSB but more columns

(1) Create a new batch Upload and create a new file to store these(2) Fields to upload - difference source can have different crtieria for matching(3) Flag the client - based on the source, flag the client activities not allowed = NB not allowed,(4) download based on the source, download the match donot download other sources.

For Savings & Current Account

1. Enrollment : Implemented by user selecting Direct Debit during NB/Billing Change.2. Batch Schedule Download Select from new file3. De-enrollment NB/Billing Change from Direct-->Cash4. Batch Schedule Upload for Accept or Reject Rejected to generate letter for reject, Reject Table Reason Code based on Bank Allow a generic description for catch-all where there is no code eg. BSN. Similarly for Success, this is a generic description with letter type.. 5. User to take action eg. change bank account etcc.. New screen to change enrollment to resend6. Scheduled & Adhoc runs.

1. For 3rd party, AmMetLife does not sent to Bank

2. Upon reject/success, upload will not be done.

3. Provide a facility for users to key-in the letter type to send the letter via integral.

Continue from previous requirement

1. Write a batch program to upload from text file & into LIAM ACID (new) filter & upload only for non AmMetLife ( organization code) i.e. not Integral2. Provide screen to add, modify & view LIAM ACID data. based on IC#.

Gap similar except for some point as mentioned above.

A brief on the solutions(1) MSP to detect incoming call(2) Write BO Programs to update proposal & validate the data(3) Reply back if error occurs

(4) Write batch programs to upload batch data to temporary files.(5) New files to store temporary data(6) Use BO Programs written in step (2) to update proposal & validate the data(7) Write to report for each failed validation or error.

Note : Jet U/W is a separate gap under NB and will not be discuss here.

Solution available in Integral with some changes ...

1. To run on fixed date New table to store Direct Debit run date. This will be used for verifying on Direct Debit run.2. Integral has the data stored in a. File based on run date b. Download file in FTP Directory These can be accessed if required when data are corrupted.3. Gap will be on the data extraction, formatting & Hash Total for the specific bank4. Extract only billing for latest month5. Mandate status is reset for non-bank closed reason



Solution from Danny, some details as belowFor Enquiry Online(1) Create Web Service with same format as mentioned(2) Create BO for Contract Enquiry & Proposal Enquiry(3) Create MSP service with Java class to perform lookup on Contract Enquiry BO & Proposal Enquiry BO. Alternatively, this can be direct on Contract Files.

For Payment Online(1) Create Web Services with same format as mentioned(2) Create BO for Client to get Client No based on ID No(3) Create BO fo Receipt Create Web Services will only have CHEQUE Amt & No, For other informations eg. Date, Type, Bank these will need to be defaulted for AmBank Online Payment. New Table for item setup (4) Mapping Table for Request Message(5) Create MSP service with Java class to perform lookup on Client BO and then create Receipt BO and map the BO response data to the Web Service Response.(6) Data goes to TCS BAncS & generate Stand In File.

For Payment Batch ( When Online failed )Including HPRTA (Discount type = BP )(1) Create a batch job to upload Stand In File/ Reconciliation File(2) Interface to same BO mentioned in Payment Online

Note : For HPRTA, there is no pol/proposal no. Discount Type = BP, and batch no instead.

(1) Write Batch Program(2) Call BO Receipt for BSN(3) Output Report for errors if cannot find the proposal/policy(4) Keep track of the files already uploaded


(1) File Format(2) Parameter similar(3) Need to store previous transaction based on Year/Month to filter duplicates for the month

Solution available in Integral with some changes ...

1. Copy/Clone from Base Program 2. Data Format, Hash Total, Reason Code3 Bank requires Credit Card Billing to be run on daily basis When Credit Card is run on days not defined in table, just create dummy records for download.

Note : Integral Billing generates the Dues in advance based on lead days.

20-3-2015 TL: This is high level estimate

Similar with Salary Deduction requirement(1) Table to define the organization code Gross Premium paid(2) Different format, table Mapping

(1) Mapping Table From Integral GL (Transaction) --> Computron GL (DRCR) From Integral GL (Summary) --> Computron GL (Summary YTD for Balance Sheet )(2) Batch program upload Transactions summarized to Computron GL (DRCR) Transactions Summary Level to Computron GL (Balance Sheet) (3) Filename to be defined in table

Note : Balance for Line of Business/Fund type will depend on COA setup.

Modify the GenApps screens once the As/400 screens are changed. Around 100 screens.

(1) Write a batch schedule to dowload details (2) Table mapping (3) Hash Total

(1) Write a batch schedule to upload details Write to SMS Text file(2) Table mapping (3) Hash Total, validation against Downloaded Details

Transaction Based(1) Regular Claims, Agent Payment, Surrender etcc.. To identify the Bank Code based on the Matrix To capture the transaction code for printing description later

(2) Based on Banks from the above Matrix Create different Batch Schedule for AmBank, Standard Chartered, etcc Different format for different banks

(3) For Agent The schedules will be run 2x monthly. Daily for Clients

Create a new batch ROP batch job to check details based on IC No from other system (file input).

LLC@02/06/2015: This requirement is more to take in upload functionality of non-migrated policy movement transactions (e.g. termination/reduction in SA) for the purpose of ROP detection. No interface file require to be provided to Life Asia.

TL@03-06-2015: This is still corect gap to receive upload file from non-migrated and process ROP detection checking.

Can combine with the above if users can provide common format. The difference here is for non-insurance items cannot be paid via Agent Express Payment and with-holding function during Mid-Month & Monthend Payments.

This was raised earlier under Agency. This is additional information on the format.

20-3-2015 TL: Create two new batch jobs to upload all agent details (daily) and agent payments.

FSD Assigned to Group No Final Status

Priyanka Chandrakanth GRP1 Completed

FS-User Review


FS-User Review


FS-User Review


FS-User Review

Chandrakanth Chandrakanth GRP1 Completed

FS-User Review


FS-User Review

Chandrakanth Chandrakanth GRP1 CompletedFS-User Review

FSD Responsibilty

FSD Completed Status

Priyanka Priyanka GRP2 WIP

FS-User Review


FS-User Review


FS-Review

Jitendra Shwetabh GRP3 Completed

FS-WIP

Jitendra Shwetabh GRP3 Completed

FS-WIP

Jitendra Shwetabh GRP4 Partially completed

FS-WIP


FS-WIP


FS-WIP


FS-WIP

Jitendra Jitendra GRP5 Yet to Start

Jitendra Jitendra GRP5 Yet to Start

Jitendra Jitendra GRP6 WIP

FS-WIP

Jitendra Jitendra GRP6 WIP

FS-WIP

Jitendra Jitendra GRP7 Completed

FS-User Review


FS-User Review


FS-User Review


FS-User Review


FS-User Review

Chandrakanth Chandrakanth GRP9 Yet to Start

FS-WIP

T3629


FS-WIP




FS-User Review


Drop

Priyanka Priyanka GRP11 Yet to Start






Chandrakanth Priyanka GRP13 Yet to Start

Chandrakanth Priyanka GRP13 Yet to Start



Jitendra Priyanka GRP13 Yet to Start

Jitendra Priyanka GRP13 Yet to Start

Priyanka Priyanka Completed

FS-User Review

Priyanka Priyanka Completed

FS-User Review

Priyanka Michelle Completed

FS-User Review


FS-User Review Completed

Priyanka Chin Chin

FS-OnHold/KIV


FS-Review

Priyanka Sreeram Completed

FS-Review

Priyanka Shwetabh Completed

FS-User Review

Jitendra Jitendra Partially completed

FS-User Review

Jitendra Shwetabh Completed

FS-WIP

Jitendra Shwetabh Partially completed FS-WIP

Jitendra Jitendra Yet to Start

Jitendra Avinash Completed

FS-Review

Jitendra Shwetabh Partially completed

FS-WIP


FS-User Review


FS-User Review


FS-User Review

Jitendra Avinash WIP

FS-WIP



Jitendra Avinash CompletedFS-User Review

Jitendra Sreeram Completed


Chandrakanth Avinash WIP

FS-Review

Chandrakanth Sreeram Completed


Chandrakanth Priyanka Yet to Start

FS-WIP

Chandrakanth Priyanka Yet to Start

Chin Chin Yet to Start

FS-WIP

Chandrakanth Sreeram

Completed FS-Review

Chandrakanth Shwetabh Yet to Start

T71

Chandrakanth 2 Ullagaddi: This is related to Interfaces

Chandrakanth Chandrakanth Hold

FS-OnHold/KIV


FS-User Review


FS-User Review

Priyanka Michelle WIP

FS-User Review

Priyanka Michelle Yet to Start

FS-Review


FS-Review

Priyanka Avinash Yet to Start




FS-WIP


FS-Review


FS-Review


FS-Review

Priyanka Sreeram

FS-Review

Priyanka Sreeram WIP

FS-WIP


FS-User Review

Jitendra Sreeram Completed

FS-Review

Partially Completed

Chandrakanth Avinash Yet to Start



Chandrakanth Sreeram WIP


Chandrakanth Sreeram Yet to Start

Chandrakanth Sreeram Yet to Start


FS-OnHold/KIV


FS-WIP



FS-WIP


FS-WIP


FS-WIP


FS-OnHold/KIV


FS-WIP


FS-WIP


FS-WIP


FS-WIP


FS-WIP


FS-WIP



FS-WIP


FS-WIP


FS-WIP


FS-WIP

