MT940 File Name: MI0002_<BIB Internal ID>_<CCYYMMDDThhmmss>.

940 The SAP MT940 format consists of a sequence of fields defined as follows: Tag Type 20 25 28C 60F 61 86 62F Meaning Transaction Reference Number Account Specification Statement Number/Sequence Number Opening Balance Statement Line (one per transaction) Information to Account Holder Closing Balance

The following table describes the file format and gives a description of the contents of each field: SIF Field SWIFT Description content format :20: Statement 16x Date :25: Account 35x Identification Bank ID/account number :28C: Statement 5n[/5n] and/or sequence number SWIFT / status M M Information Reported Always = YYYYMMDD Eg. 20041231 Eg. LT527300010002245349LTL

:60F: Opening Balance

1!a6!n3!a15d

:61: Statement line field

6!n[4!n]2a[1! a]15d1!a3! c16x[//16x] [34x]

From the statement date; YYYY-1980 and Julian date, therefore 15th July 2004 reads as 20196 (where 20 refers to the year and 196 = Julian date 15/07) "/01" eg 20196/01 D for Debit or C for Credit Date (YYMMDD) Currency Code Opening Balance with a comma as the decimal point A statement line field is produced for each transaction. This field is sub-divided as follows: Date YYMMDD Date MMDD Debit/Credit mark D Debit, C Credit, RD Reverse Debit, RC Reverse Credit Funds code X Transaction amount Transaction type identification code: NCHK for cheques, F plus TLA for other

transaction types Account owner reference Cheque number for cheques, or transaction type for other transaction types Originating banks own reference // Supplementary details: Not applicable :86: Information to account holder 6*65x O
For Credit transactions: Payer: /<Payer's account number> <Payer's name> /ID/<Payer's register No> Payer bank : <Payer's bank code (SWIFT code)> Details: <Payment details> ForDebit transactions: Beneficiary: /<Beneficiary's account number> <Beneficiary's name> /ID/<Beneficiary's register No> Beneficiary bank : <Beneficiary's bank code (SWIFT code)> Details: <Payment details>

:62F Closing Balance

1!a6!n3!a15d

Default business code 999/ Posting text to follow 00 Transaction details CHEQUE or transaction code eg. :86:999/00CHEQUE or :86:999/00STOJSMITH D (Debit) or C (Credit) Date YYMMDD Currency code Amount, with a comma marking the decimal point

NB.

x variable length of field ! Steady length of field a alphanumeric type of field n numeric type of field

File Name: MI0002_940_<BIB Internal ID>_<CCYYMMDD>.940

Transaction Type Identification Code Format: 4 alphanumeric characters, N3!c or F3!c Examples: NMSC, FINT List of codes : FCHG = Charges and other expenses FCHK = Cheques FINT = Interest FRTI = Returned item NBOE = Bill of exchange NCHG = Charges and other expenses TT - TT_10, PT NCHK = Cheques TS NCOL = Collections NCOM = Commisions NDCR = Documentary credit

NDIV = Dividends-Warrants NECK = Eurocheques NEQA = Equivalent amount NFEX = Foreign exchange NINT = Interest NLDP = Loan deposit NMSC = Miscellaneous NRTI = Returned item NSEC = Securities NSTO = Standing order NTCK = Travellers cheques NTRF = Transfer

X AI other

MK, MV, DP, SMS, CTX, IMP, IMG, K

Example: :20:20020305 :25:200771/61999318 :28C:22063/01 :60F:D020305GBP3701098,07 :61:0203050305DX72,25NCHK701099// :86:999/CHEQUE 701099 :61:0203050305DX273000,00FTFRNONREF// :86:999/00TFRNEW TREASURY DEPOSIT 72264933 :61:0203050305RCX1,50FREVNONREF// :86:999/00REVREVERSAL :62F:D020305GBP3823849,93

SWIFT MT103 File Format The MT103 file is a sequential ASCII file containing a number of lines to form an MT103 message. Each line is terminated by a carriage return and line feed. A dash (-) is used to denote the end of each payment. File Validation Files will be rejected outright where the: File structure is incorrect (fields not terminated by a carriage return and line feed, unknown fields such as :73: or unknown field formats such as :57E:) Data format is incorrect (alphas in numeric fields). From Account Number and Sort Code are not registered to this organisation. Also, any invalid characters (characters that do not conform to the SWIFT character set) will be blanked out. The table below shows the fields that make up an MT103 file format: TAG :20: :13C: :23B: :23E: :26T: :32A: Field Name Transaction Reference Time Indication Bank Operation Code Instruction Code Transaction Type Code Value Date Currency Code Payment Amount IAT M SDP M IP M Format X (16) Ignored Ignored Ignored Ignored 9 (6) YYMMDD X (3) 9 (14-n), 9 (n) (where n = number of decimal places for the currency of the amount) Ignored O O O Ignored a = A or K Ignored Ignored a = A, B or D May contain an account number line of X (34) preceded by a slash (/). May contain an account number line of X (34) preceded by a slash (/). May be prefixed with a sort code or routing code which are ignored. Contents

M M M

M M M

M M M

Decimal comma separator must always be present, even if there are no decimal places in the amount.

:33B: Currency/Instruction Amount :36: Exchange Rate :50a: Ordering Customer (Debit Account) :51A: Sending Institution :52a: Ordering Institution :53a: Senders Correspondent

:54a:

Receivers

Ignored

:55a: :56a: :57a:

Correspondent Third Reimbursement Institution Intermediary Institution SWIFTBIC O Or National Clearing Code O Please Note: For International Payments where a National Clearing Code and a SWIFTBIC are present, the SWIFTBIC will always take precedence.

Ignored O M C C Ignored a = A, B, C or D A format Line 1 an NCC type and NCC preceded by double slash (//) Line 2 a SWIFTBIC (X (8) or X (11)) or Line 1 SWIFTBIC (X (8) or X (11)) B format Line 1 an NCC type and NCC preceded by double slash (//) Line 2 ignore C format Line 1 an NCC type and NCC preceded by double slash (//) D format Line 1 an NCC type and NCC preceded by double slash (//) Lines 2-5 up to 4 lines of name and address (X(35) per line)

And/or Beneficiary Bank Name Beneficiary Bank Add 1 Beneficiary Bank Add 2 Beneficiary Bank Add 3

O O O O

O O O O

C C O C

X (35) X (35) X (35) X (35) Must be a valid country.

or Lines 1-4 up to 4 lines of name and address (X(35) per line) Optional account number line of X (34) preceded by a slash (/). Followed by up to 4 lines of X(35) or a SWIFTBIC (X(11)). Up to 4 lines of X(35)

:59a:

:70:

Beneficiary Account No. Beneficiary Name Beneficiary Address 1 Beneficiary Address 2 Beneficiary Address 3 Beneficiary Address 4 Payment References

M O O O O O O

M M O O O O O

M M O O O O O

a = A or blank

:71A: Charging Instructions

X (4)

/OUR or OUR Debit all charges from the account /BEN or BEN Deduct all charges from the amount /SHA or SHA Deduct only UK charges from the account Blank Default charges for the customer

:71F: Senders Charges :71G: Receivers Charges :72: Deal Number and Rate

Ignored Ignored Up to 6 lines of X(35) Ignored Ignored

/REC/DEAL9(7)RATE9 (8),9(6) 9(7) = Deal Number 9(8),9(6) = Deal Rate

:77B: Regulatory Reporting :77T: Envelope Contents End of Record Marker

Key: C Conditional X Alphanumeric M Mandatory 9 Numeric O Optional n defines the number of characters Please note that for International Payments where field is C (conditionally mandatory), one of the following combinations is mandatory: SWIFTBIC or NCC Type and NCC Code where NCC Type is Sort Code (SC) or NCC Type and NCC Code where NCC Type is other than Sort Code, Beneficiary Bank Name, Beneficiary Bank Address 1 and Beneficiary Bank Address 3 or Beneficiary Bank Name, Beneficiary Bank Address 1 and Beneficiary Bank Address 3 Please ensure the decimal separator , is used in accordance with the payment currencys format and that the separator is included, even where there are no decimal places in the payment amount. E.g. for 2 decimal places the maximum amount is 999999999999.99 for 1 decimal place the maximum amount is 999999999999,9 for 0 decimal places the maximum amount is 999999999999 MT103 Example:
:20:TRANS REF 01 :32A:040717GBP100,01 :50A:/51507865 BARCGB22 :57A://SC200000

BARCGB2102B :59:/12345678 MR J SMITH :70:PAYMENT IN FULL AND FINAL SETTLEMENT FOR INVOICE NUMBER 513 DATED 05/06/04 :20:TRANS REF 02 :32A:040630GBP200,02 :50A:/51507869 BARCGB22 :57D:ANY BANK 1 HIGH STREET POOLE, DORSET UNITED KINGDOM :59:/23456789 MR. M. F. FRASER -