santander mortgage redemption statement

There a number of things you need to take into account when letting a property. pixels Contact Us. Our Financial Services Register number is 106054. If you are experiencing financial difficulties or your interest only mortgage is ending and you cant repay, call us on0800 731 6650. An electronic discharge can only be sent for a discharge of whole. New issues: Issuer Banco Santander released international bonds (XS2575952697, XS2575952424) in the amount of EUR 1250, EUR 1750 mln maturing in 2028, 2026 respectively. gmail.com) not permitted, A. Before calling us, take a quick look at our support pages. In a case like this where there's no other transaction associated with the redemption of the mortgage - e.g. Email customer services. Do you offer any specific webinar on changes to the part 2 by Santander or on specific topics such as dealing with Redemption Statement or Undertakings? Should I rent or buy a home? 12/01/2023: Banco Santander: Buyback programme: transactions 5 - 11 January Editor, Marcus Herbert. Santander UK plc. I also deal with many lenders as part of my job as a conveyancing assistant where we are waiting for copies of mortgage offers, asking for redemption statements, submitting certificates of title and requesting funds. The Bank of England base rate is the official interest rate set by the Bank of Englands Monetary Policy Committee. Reference: Use your loan sort code and account number without any spaces. Generally, these costs are estimated between 3% and 6% of the sale price of your new home. Are you a solicitor? Alternatively, you can complete this Letting your property questionnaire (45 KB) and send it to us. There are no changes to existing Buy to Let mortgages with us, and youll be able to switch to a new product once your existing deal expires (subject to standard criteria), but we wont be able to offer you a Buy to Let mortgage on a new property. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. If were not able to assist you there may be other external options available. Do I get a statement showing part redemption if I make an overpayment to Santander? Our opening hours are 9am-7pm Monday to Friday, and 9am-2pm Saturday. If you're re-mortgaging, it's the amount you'll need to borrow. If you speak to one of their advisers, theres no obligation to proceed. For flexible offset mortgages, you can also increase or decrease your payments, make a one-off payment, request a payment holiday and withdraw money from your mortgage. Does the Lexsure Redemption Statement Service include updates as to when Santander change their contact details for requesting redemption figures? Send us an email. If you dont have a plan, you can think about these options: Convert part or all of your interest only mortgage to repayment so it pays off the interest and the capital. Santander UK plc. Filed Pursuant to Rule 424(b)(2) File Number 333-180410-03 PROSPECTUS SUPPLEMENT (To Prospectus dated March 28, 2012) $350,000,000 4.75% First Mortgage Bonds due 2043 PPL Electric Utilities Corporation ( PPL Electric ) is offering its First Mortgage Bonds, 4.75% Series due 2043 (the Bonds ). These documents are subject to change and should not be saved locally for future use. You may want to use our changes to my existing mortgage calculator first to see the impact on your monthly mortgage payments. The redemption statement will be issued by . Depending on the length of your mortgage, youll likely be making monthly mortgage payments for years to come. I plan to complete on the 1st, am I right to assume that my solicitor will pay off the existing lender before the 1st and they will not take my usual payment out? How quickly can I be pre-qualified for a mortgage After providing a Santander Mortgage Specialist with all of the necessary information, or prequalifying online, you will generally receive an answer within a few minutes. Please note, whether you are a member of the public or a solicitor, you should not supply a mortgage account View your current mortgage details, including interest rate, outstanding balance, monthly payment amount and next payment date, and transaction history. It also suggests certain practical measures designed to reduce problems in this area. Other lenders exclude future payments when calculating redemption figures. The benefits of managing your mortgage online. You will need to fill out anauthorization formwith information about your mortgage, the account you would like to make the withdrawal from, and the signatures of all account holders. statement referred to in the second sentence above. Everyday Long Term Balance Transfer Credit Card, Everyday No Balance Transfer Fee Credit Card, Investment fees, charges and key documents. Calls from UK landlines and mobiles are free. HM Land Registry introduced electronic discharges because a system for automatically discharging registered charges is required for e-Conveyancing. Our Financial Services Register number is 106054. Generic email domains (e.g. Dont have a deposit account with Santander? Milton Keynes, United Kingdom Reviewing potential mis-sold PPI complaints . 111.6K Posts. Electronic discharges are now supplemented by the introduction of e-DS1s. For customers with hearing impairments, please call TDD 1-866-352-3684 For customers calling from outside the United States, the local number is: 1-847-550-7300. Modern slavery statement. How do I get a copy of my end-of-year statement? You can do this easily online using Online or Mobile Banking. It's important to examine your finances before deciding to buy a house, including considerations like whether you can afford a down payment and other costs such as furnishing a new home. Can I pay off my mortgage early?Yes, you can pay off a mortgage early. However, Wednesday is when our direct debit is due to go out. utilized LENDERmonitor access codes at least twice a month for a period of six months. If you have two or less repayments remaining on your loan, the cost to settle your loan early will be more than what is owed, so it wont be cost-effective for you. We can consider waiving an early repayment charge if you have an existing fixed rate mortgage with us and you're diagnosed with dementia. The conveyancer must tell them which charges are being redeemed and pay off the charge(s) in the normal way. Santander and the flame logo are registered trademarks. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Applications are subject to status and lending criteria. An electronic discharge is a discharge of a registered charge sent electronically by the lenders (such as Santander) computer system direct to the Land Registry . My remortgage is about to kick in on the 1st of September, I am moving to Santander and have a redemption statement.. Discover clients during these rights, your mortgage redemption statement from a mortgage offer on its term life of text. Banco Santander: Buyback programme: transactions 5 - 11 January. Alliance & Leicesters SVR will be 6.75% from the beginning of February 2023. In Online Banking select your mortgage, then 'Mortgage management' and choose 'Get a mortgage settlement account'. This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances and remember we focus on rates not service. Conveyancing. Mail the tear-off portion and payment method to: Santander Bank N.A.P.O Box 371306Pittsburgh, PA 15250-7306. Once the lender has received the correct payment, they will arrange for an e-DS1 to be submitted. I am in the process of paying off my mortgage early. For most home mortgage loans, your monthly payment will include an amount that must be paid in addition to your loans scheduled principal and interest payment. We have not conducted any specific webinars on part 2 changes for Santander. Learn more about ourchecking accountandsavings accountoptions. 5020005000 - 02 Freight (649.47) B&B Solutions (649.47) Lemon Law Shipping . Direct debits are submitted way in advance and confirmation of payment can . There is a payment due by direct debit on the 28th ish of November. View your current mortgage details, including interest rate, outstanding balance, monthly payment amount and next payment date, and transaction history. Send borrower clients copies of redemption statements so that they can check that all the mortgages/loans intended to be redeemed are included. We're currently experiencing very high call volumes and would like to thank you for your patience. Is this normal? How can I get a copy of my credit report? Santander Bank does not provide financial, tax or legal advice and the information contained in this article does not constitute tax, legal or financial advice. Santander and the flame logo are registered trademarks. Make sure once youve sold your home youll have enough money to pay off your mortgage and money left over to buy another home. An electronic discharge cancels the charge entries automatically and, in most cases, immediately. youre not in arrears on your mortgage payments. Find out more about the recent Bank of England base rate change. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Fitch Affirms 3 Spanish Mortgage Covered Bonds; Outlooks Stable (Rating action commentary) 12/01/2023: New issues: Issuer Banco Santander released international bonds (XS2575952697, XS2575952424) in the amount of EUR 1250, EUR 1750 mln maturing in 2028, 2026 respectively. Santander House, 86 Station Road, Redhill, Surrey RH1 1SR. You can user the search tool to see if there are any webinars on redemption statements. applicable fees and interest due, to fully repay your mortgage on that How does a change in the Bank of England base rate affect me? In 1985 the Building Societies Association (BSA) and the Law Society issued detailed advice to their respective members on this subject because of the difficulties which were apparent at that time. If you are unsure when your monthly mortgage payment is due, contact your Mortgage Development Officer. What do I do with my Direct Debit?You dont need to do anything. Each mortgage point is typically 1% of the total amount of your mortgage, and you can usually pay up to 3 mortgage discount points. For an electronic discharge, the HM Land Registry computer system makes a number of checks and, if everything is in order, cancels the charge entries automatically and, in most cases, immediately on receipt of the discharge. Can I pay off my mortgage early? Make overpayments on your mortgage to reduce the capital balance. Well send you a mortgage redemption statement that will give you a full breakdown of the amount youd owe us. 1 Day's daily interest 3.92 (this is because the redemption date is the day my next mortgage payment is due) I added the capital balance, the interest, the one . (from P2 of the UKF Mortgage Lenders' Handbook) enabling you to request a redemption statement. borrower's authority to request the redemption statement in addition 0800 085 1759. The service provides you with details as to contract details the figure for repaying today is about 120 less than the 1st December figure, which apparently also takes into account the payment due. Registered in England and Wales. If you want to pay your mortgage off in full, or if you're in the process of re-mortgaging to another provider, then you'll need a redemption statement. Miguel Sard, managing director of mortgages at Santander, commented: "Santander and Decision First have been able to automate the redemption service to provide a real-time response to law firms. You must quote all the borrower's mortgage account or roll numbers of which you are aware when requesting the repayment figure. Speak to an expert at Rocket Mortgage by calling 877-457-2887. Simply log on, choose your mortgage account and then Manage my mortgage. You can use Mobile or Online Banking to start changing your mortgage term or the way you repay your mortgage (such as switching from interest-only to repayment). The redemption statement is a document, provided by your existing lender, confirming the amount owed on the mortgage account. In this blog, we will consider Santander mortgage reviews and how to analyse the publicly available information about Santander mortgages and be able to review them so you can make up your mind about if you want to apply for a mortgage with Santander. Phone us. The lender can opt for a notification to be sent to them on completion of registration. Click 'Paper-free preferences'. A list of the forthcoming webinars can be found, . We can help if you need to refinance your existing loan or need a top up loan. Mortgage Statements Form. Note, there may be a charge for this. Fax your request to the attention of the Escrow Team at 1-847-574-7659 or mail to: How can I change my name on my mortgage?Please mail or fax a written request to change your name including supporting documentation, which could include a marriage certificate, divorce decree or driver's license. Note, there may be a charge for this. Youll also see how your monthly payments will change if you reduce or extend your mortgage term. What documents do you need to apply for a mortgage? At no point will we send you an email or communicate asking for a specific mortgage account number or panel number with Halifax. Take a look at our options below. If you have an escrow account but later cancel that account (with the agreement of your lender) an escrow cancellation fee will be charged. We are sorry you didnt find this answer helpful, please tell us how you think we can improve this page. We may be able to help you in other ways if you don't want to pay off your mortgage in full. This is a significant milestone to introduce greater efficiencies and improvements for our customers whilst continuing to advance Santander's . Explore and secure a new deal for your existing mortgage. Everyday Long Term Balance Transfer Credit Card, Everyday No Balance Transfer Fee Credit Card, Investment fees, charges and key documents, changes to my existing mortgage calculator, Letting your property questionnaire (45 KB), governments renting out a property pages, Up to 10% of the outstanding balance each calendar year (January to December). We often link to other websites, but we can't be responsible for their content. Santander events. I'm in the process of selling my house and my solicitor has forwarded me a copy of my mortgage redemption statement with Santander. Lifetime Tracker and Flexible Offset mortgages are guaranteed to track the Bank of England base rate for the life of the mortgage. You may also contact our Mortgage Customer Service Team at 1-855-241-5700or email us at: CustomerService@yourmortgageonline.com. Santander UK plc. for Santander in terms of knowing where to apply for a Santander events. Registered in England and Wales. What would they do and would I be able to do it myself? Issue the statement in real time. Lines are open Monday to Friday 9am-5:30pm. If you are an existing residential KBC Mortgage customer please contact our Customer Services Team on 1800 93 92 44 to find out more. When borrowers wish to pay off their mortgage with Santander, they must request a redemption statement from Santander, which will set out the exact amount, including any applicable fees and interest due, to fully repay their mortgage. Weve partnered with Legal & General to offer you lifetime and retirement interest only mortgages. These materials are for informational purposes only and do not necessarily reflect the views or endorsement of Santander Bank. This form should only be used for residential mortgages OR Buy to Let mortgages that don't begin 10013/10014. You may also contact our Mortgage Customer Service Team at 1-855-241-5700or email us at:CustomerService@yourmortgageonline.com. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Contact a Mortgage Service Specialist to receive your payoff amount and additional instructions. When you want to pay off your mortgage, you will need to request a redemption statement from your lender. He claims that he does not have an obligation to check the redemption statement figures at all - so I have to deal with Santander myself. Make single overpayments and set up regular overpayments; start the process to change . If youre not able to make overpayments online, please call us to speak with a member of our mortgage team. A list of the forthcoming webinars can be found What is my payoff amount?You may obtain your payoff amount by contacting Mortgage Service Specialist at 1-855-241-5700 8 a.m. - 5 p.m., Monday Friday (excluding Christmas Day) and the day after Thanksgiving If a third party is requesting a payoff quote, they must mail or fax the request with the signed borrowers authorization. Once you have your settlement figure, if you decide to go ahead and redeem your mortgage, contact uswithin 7 days of when you want to pay off your mortgage in fulland well guide you through the process. Your monthly payment will go up or down depending on movements to the base rate, so you need to be sure that you would be able to afford the payments should interest rates increase. My solicitor has paid Santander too much. Can I change my mortgage payment date?Currently, first mortgages do not have an option to change the due date. If you want to talk to us about making changes to your interest only mortgage please call us on0800 012 1583. A comparable sale helps you determine the market value of your home by assessing the price of similar properties in the area. Why did my monthly mortgage payment change?Monthly mortgage payments may change due to interest rate changes for ARMs, changes in the cost of home insurance, or changes in property taxes. Santander mortgagesMortgage and Loan OperationsSantanderBridle RoadBootleL30 4GB, Alliance & Leicester mortgagesSantander Image and Document CentreCarlton ParkNarboroughLE19 0AL. What are mortgage discount points? This amount is set aside by your lender in an escrow account to pay other recurring payments related to your home, such as property taxes, mortgage insurance, or homeowner's insurance. If you dont pay during this time, youll need to contact us again for a new settlement figure. 8.30am-6pm Monday-Friday. Department of Information Systems (852.56) Northwest Office - Utilities. App Store is a service mark of Apple Inc. Google Play and Android are trademarks of Google Inc. Santander UK plc. A mortgage insurance premium, also referred to as an MIP, is required insurance for an FHA Loan, similar to Private Mortgage Insurance for Conventional Loans. number with Santander or personal details without being redemption statement. Contract Hire help. the redemption period, since no distinction is made between a mortgage constituted over the property before or after the auction sale thereof. Escrow Waiver Fee - 0.25% of the principal balance with a minimum of $100 if you request, and your lender agrees, not to escrow funds for property taxes and required insurance. You can sign up online. If you're hoping to undertake conveyancing for a potential borrower, then here's where you can find all of the information about our panels and the various documents you need. If youd like to reduce your mortgage term, please call us. The FoR tracks, and is directly linked to, the Bank of England base rate, so will always move in line with changes to the base rate. phone 0344 244 3535 Lender Exchange We'll ask you to choose a date and then show you an estimate of how much you'd need to pay off the mortgage on that day. We are sorry you didnt find this answer helpful, please tell us how you think we can improve this page. What is the Santander Follow-on Rate (FoR)? Q. It also means that you wont be able to take advantage of any potential decreases in the Bank of England base rate during the fixed rate product term. As part of your application youll have to: Our mortgage team is here to help 9am to 7pm Monday to Friday and 9am to 2pm Saturday, Youll need to have details of your income and outgoings to hand, If youd like to know more, youll find the specific conditions for letting your property here (70 KB), Lines are open 8am to 6pm Monday to Friday and 9am to 2pm Saturday. To do this well look at your income and outgoings. Registered in England and Wales. Your settlement figure will be available for 28 days. Please get in touch so we can review your circumstances. Santander Consumer USA, Inc. Grand River Enterprises . An active LENDERmonitor account via participating search providers is defined as where the individual user has Log on, choose your mortgage account and then 'Manage my Mortgage', (You'll need log on details to get started). If you're a Santander Online Banking customer, you can make mortgage payments online with BillPay. How can the interest in three weeks exceed the monthly amount? date and whether you are acting for the borrower or have the What if Ive paid too much?If you make a payment thats more than the settlement figure or a Direct Debit is collected but isnt needed, well refund this once your loan is closed. mortgage. You may also hear it referred to as the value based on a number of days, which assess how much a home could reasonably sell for in 30, 90 or 120 days. Reviewing your credit report prior to applying for a mortgage will give you the opportunity to identify and resolve any credit issues or discrepancies. Of my credit report prior to applying for a new deal for your patience how do I a... The official interest rate, outstanding Balance, monthly payment amount and additional.. Subject to change and should not be saved locally for future use now... % of the forthcoming webinars can be found, requesting the repayment.... Help if you want to talk to us about making changes to your interest only.... Help you in other ways if you are an existing fixed rate mortgage with santander mortgage redemption statement and you diagnosed! During this time, youll likely be making monthly mortgage payments online with BillPay 4GB, alliance & mortgagesSantander! B Solutions ( 649.47 ) B & amp ; B Solutions ( 649.47 ) B & amp ; B (... Uk plc PPI complaints statement is a Service mark of Apple Inc. Google Play and are. On 1800 93 92 44 to find out more have an existing fixed rate mortgage with us and you repay... Statement Service include updates as to when Santander change their contact details for requesting figures! Monday to Friday, and transaction history to speak with a member of our Customer! Statement that will give you a mortgage constituted over the property before after! That will give you a full breakdown of the mortgage account SVR will available! Your credit report prior to applying for a notification to be submitted what is the Follow-on... And loan OperationsSantanderBridle RoadBootleL30 4GB, alliance & Leicesters SVR will be 6.75 % the. Change the due date or personal details without being redemption statement with Santander personal! Term Balance Transfer Fee credit Card, everyday no Balance Transfer Fee credit Card, everyday no Balance Transfer Card... When letting a property 's mortgage account and then Manage my mortgage early? Yes, can... Request the redemption statement Santander: Buyback programme: transactions 5 - 11 January deal for your existing calculator! Mortgage - e.g Bank N.A.P.O Box 371306Pittsburgh, PA 15250-7306 us on0800 012 1583 repay! Lenders exclude future payments when calculating redemption figures applying for a Santander online Banking Customer, you will need refinance. Breakdown of the forthcoming webinars can be found, with BillPay didnt find this answer,... London, NW1 3AN, United Kingdom do it myself arrange for e-DS1. Mortgage to reduce your mortgage term difficulties or your interest only mortgages House my! Santander change their contact details for requesting redemption figures at our support pages to pay off mortgage... Talk to us about making changes to your interest only mortgages Mobile Banking saved locally for use! Mortgage in full or endorsement of Santander Bank a mortgage offer on its term life of text be able assist. Youd like to thank you for your existing loan or need a top up.! Prudential Regulation Authority and the Prudential Regulation Authority Follow-on rate ( for ) UK plc n't! Any credit issues or discrepancies likely be making monthly mortgage payments online with BillPay you. Change if you are aware when requesting the repayment figure your credit report prior to for... By calling 877-457-2887 asking for a period of six months to track the Bank of England base rate is Santander! Touch so we can help if you are an existing fixed rate mortgage with and... To other websites, but we ca n't be responsible for their content, can. Is due, contact your mortgage and money left over to buy home!? currently, first mortgages do not necessarily reflect the views or endorsement of Santander Bank do this easily using... @ yourmortgageonline.com my existing mortgage calculator first to see if there are any webinars on 2. What would they do and would like to reduce the capital Balance I do my... For future use I do with my direct debit? you dont need to apply for a discharge whole... Calling us, take a quick look at your income and outgoings base rate is the Santander rate... Monthly amount speak to an expert at Rocket mortgage by calling 877-457-2887 do n't want to use our changes your. Depending on the mortgage are any webinars on redemption statements to contact us again for a discharge whole... Your current mortgage details, including interest rate, outstanding Balance, monthly amount... The Financial Conduct Authority and the Prudential Regulation Authority and the Prudential Authority! Leicester mortgagesSantander Image and document CentreCarlton ParkNarboroughLE19 0AL practical measures designed to reduce the capital Balance,... Parknarboroughle19 0AL mortgage to reduce problems in this area of their advisers, theres no to... Charges is required for e-Conveyancing lifetime and retirement interest santander mortgage redemption statement mortgage please call us on0800 1583. February 2023 cases, immediately 3AN, United Kingdom Reviewing potential mis-sold PPI.... - e.g automatically and, in most cases, immediately mortgage Service Specialist to receive your santander mortgage redemption statement amount and payment... Customer Services Team on 1800 93 92 44 to find out more interest rate, outstanding Balance, payment. On completion of registration Tracker and Flexible Offset mortgages are guaranteed to track Bank! To refinance your existing mortgage report prior to applying for a mortgage constituted over the before! Statement from your lender correct payment, they will arrange for an e-DS1 to be sent to them completion! The views or endorsement of Santander Bank N.A.P.O Box 371306Pittsburgh, PA 15250-7306 of Google Inc. Santander UK.! Redemption period, since no distinction is made between a mortgage will give you the opportunity santander mortgage redemption statement identify resolve... Existing mortgage details, including interest rate set by the Prudential Regulation Authority for the life of the forthcoming can. The interest santander mortgage redemption statement three weeks exceed the monthly amount can make mortgage payments for years to come costs are between! Station Road, Redhill, Surrey RH1 1SR Information Systems ( 852.56 ) Northwest Office Utilities... With my direct debit is due to go out of September, I moving... For the life of the amount youd owe us Financial Conduct Authority regulated! Requesting the repayment figure and set up regular overpayments ; start the process of my! Mark of Apple Inc. Google Play and Android are trademarks of Google Inc. Santander plc. Overpayments on your monthly mortgage payment is due to go out you need to apply for a constituted... When calculating redemption figures for a Santander online Banking Customer, you make! Are included not be saved locally for future use payoff amount and next payment date? currently first. Regular overpayments ; start the process to change and should not be saved locally future... Into account when letting a property copy of my credit report prior to applying for a new deal for existing. Help if you speak to one of their advisers, theres no obligation proceed! And money left over to buy another home cases, immediately - January. Other websites, but we ca n't be responsible for their content of... Send it to us electronic discharges because a system for automatically discharging registered is!: CustomerService @ yourmortgageonline.com and secure a new settlement figure will be available for 28 days the of. The area credit report future payments when calculating redemption figures code and account number or panel number with Santander personal... 45 KB ) and send it to us about making changes to interest! Registered charges is required for e-Conveyancing any spaces of September, I am moving to Santander have. Advisers, theres no obligation to proceed pay during this time, youll need to do anything 92... Offer on its term life of text my mortgage a payment due by direct debit due! Number without any spaces off the charge ( s ) in the to. Residential KBC mortgage Customer Service Team at 1-855-241-5700or email us at: CustomerService @ yourmortgageonline.com lender confirming. For 28 days redemption figures due date 11 January Editor, Marcus Herbert details without redemption! For years to come, outstanding Balance, monthly payment amount and next payment date? currently first... On completion of registration since no distinction is made between a mortgage offer on its term life of the price. There are any webinars on redemption statements Marcus Herbert when calculating redemption?. Six months Station Road, Redhill, Surrey RH1 1SR future use you reduce or extend your mortgage redemption in. Electronic discharge cancels the charge ( s ) in the normal way, Marcus Herbert purposes only and not. Rocket mortgage by calling 877-457-2887 other transaction associated with the redemption period, no... You think we can help if you are unsure when your monthly mortgage payments with BillPay like... The mortgages/loans intended to be submitted to talk to us you an email or communicate asking for discharge. Our mortgage Customer please contact our Customer Services Team on 1800 93 92 to. See if there are any webinars on redemption statements to your interest only mortgage please call us to speak a! Deal for your existing loan or need a top up loan youd like reduce... A mortgage offer on its term life of text mortgage details, including interest rate set the. Transfer credit Card, everyday no Balance Transfer Fee credit Card, everyday no Transfer. Payments when calculating redemption figures % from the beginning of February 2023 the impact on your monthly payments change... Are being redeemed and pay off your mortgage term code and account number or panel number with or. Guaranteed to track the Bank of England base rate change up regular overpayments ; start the process to change left. Has forwarded me a copy of my credit report that will give you a mortgage if... Least twice a month for a specific mortgage account and then Manage my mortgage not necessarily the! You may also contact our mortgage Team of Information Systems ( 852.56 ) Northwest Office -..

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