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) that is printed from the campus payroll computer system. Participant: The term "Participant" shall mean an Appointee who has been designated as an eligible Applicant and Primary Borrower. Instant cash loans now : Certificate of Pre-Approval issued by the Office of Loan Programs that states a borrowers credit, assets and income have been verified and the applicant qualifies for a Program loan at a specified amount and interest rate.

At the time of pre-approval, the specified initial interest rate is not locked-in and is therefore subject to change prior to the issuance of a loan commitment letter.

The initial interest rate will be the Program rate in effect at the time a loan commitment is issued. Preliminary Disclosures : A generic term cash advance merchant accouint to a group of disclosure forms required by Federal law to be sent to a loan applicant. The forms include a Loan Estimate Disclosure, Fair Lending Notice, and a California Credit Disclosure. Prepaid Interest: Mortgage interest that is paid from the date of the funding to the end of that calendar month.

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Mortgage Origination Program (MOP): MOP was established by The Regents of the University of California in 1984 and utilizes funds from the unrestricted portion of the University's Short-Term Investment Pool (STIP) to make variable interest rate first deed of trust loans of up to 30 years in length to eligible Faculty and instant cash loans now of the Senior Management Group.

The program provides loans at maximum amounts of 80 to instant cash loans now of value, depending upon loan size, with the initial interest rate equal to the most recently available four-quarter average rate of return of STIP, plus a servicing fee of one-quarter of one percent. The maximum annual adjustment of the interest rate for a loan, upward or downward, is one percent. Mortgagee: A lender or creditor who holds a mortgage or Deed of Trust. Mortgagor: A borrower who is obligated to pay on a mortgage or Deed of Trust.

Net Income: The monthly salary paid to a borrower after deducting any Federal andor State payroll taxes. Notice of Completion : Documentation, typically from a termite company, stating that required repairs have been completed. Sometimes called a clear termite report. May also refer to work completed by a contractor for other, non-termite related work done on a property.

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