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Straight Through Processing Guide

BAFF Payment

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Bank of America STP Guide

Welcome to the STP Guide for the BAFF Payment file format. This guide has been customized to provide information related to thespecific countries and transaction types your company has requested.

Bank of America provides electronic data interchange services to clients as a means of effecting payments and collecting funds via

direct debit. Clients have the opportunity to realise the benefits of STRAIGHT THROUGH PROCESSING (STP), by applying bothstandard and Bank of America defined formats and keywords.

STP has been developed at Bank of America as a result of significant systems investment over many years. The formats are almostentirely based upon industry-accepted formats. However, a few keywords have been especially designated by Bank of America toenable clients to effectively communicate their funds transfer routing requirements. Our Client‟s adherence to the use of thesekeywords ensures the maximum opportunity to realise the benefits of STP whilst accessing a wide range of clearing systems anddiverse funds transfer and collection services available through Bank of America.

Copyright 2009 Bank of America

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CONTENTS OF THIS DOCUMENT

This document is organized in the following manner. The format may vary slightly depending upon the selected country(s).

Introductory Section: * Permitted and Non-Permitted Characters

* Definition of Character Set Codes Used in this Document * Regulatory Requirements * Regional Support Contacts

Information on Payments Within or From Selected Countries: * Originating Country Introduction - a general introduction to payments and collections in the selected country * Originating Country Websites - sites with useful reference information for transaction banking in the selected country * Originating Country Notes - additional information specific to the selected county * Branch Transaction Types - a list of payment types supported by Bank of America in the selected country * Transfer Currencies Supported - a list of currencies supported from the selected country * STP Rules - a listing of the specific STP rules that must be followed for each payment type effected in the BAFF Payment file

format from accounts held in the selected country

Information on Payments from Selected Countries to Other Countries * Notes for Paying to Specific Countries - rules for using the BAFF Payment format for cross-border payments from the selectedcountry

Format Quick Reference - a guide to the overall layout of the BAFF Payment file format

Glossary

PERMITTED AND NON-PERMITTED CHARACTERS of 34Ver 79 05-Sep-11




These restrictions reference the limitations imposed by the various clearing systems and the SWIFT network which carry the paymentinformation through the banking chain to the ultimate beneficiary. Please remember that these are automated systems which havecertain processing limitations. Failure to observe these restrictions may result in payment failure.

Permitted Characters:

The permitted character set is a subset of the level A character set, as specified in ISO 9735. This includes:

Digits: 0-9Letters: A-Z (Upper Case ASCII) (Lower case characters will be upshifted.)Blank space (Should not be the first character of a line or field)

Special characters: Comma ,

Hyphen - (Should not be the first character of a line or field) Parenthesis, left ( (Should not be the first character of a line or field. Should not be used in Post Code fields)

Parenthesis, right ) (Should not be the first character of a line or field. Should not be used in Post Code fields) Period . Slash, forward / Question Mark ?

End of line: Carriage return, Line Feed sequence (2 characters)

Non-Permitted Characters:

The following ISO 9735 (level A) characters are not accepted in data transmissions

Equal to = Exclamation Mark ! Quotation Mark " Percentage % Ampersand & Less Than < Greater Than > Semi Colon ;

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Reserved Characters: (Conditionally Permitted)

Certain characters may be used as control characters in the origination file format used by yourselves and/or in the internal file formatsused by the bank after reformatting of your data for processing). As such, the characters listed below should be avoided to the extentpossible. Where the need exists to use any of the following, please first consult with your technical implementation specialist.

Asterisk *Plus Sign +Colon :

Apostrophe „Tilde ~

No other symbols or punctuation marks may be used unless specifically designated for a particular message. A colon is used only as afield label delimiter, as described in the formats below.

Additionally, do not use any of the following character strings (note colons in the left-hand column)

AMI: QTA LLLL: VVVV (four "Vs" as in "Victory") MAC: YZYZ MMMM: ZCZC NNNN: String of periods

Transaction references should NOT include double slash "//". Other fields may include a double slash.

Characters involving an accent - i.e. an umault, acute, grave, cedilla tilda etc. should not be used since these charactersare not acceptable to the SWIFT system. Even if the bank‟s EDI formats can support such characters, a payment withthese accented characters will fail and cause SWIFT rejects.

DEFINITION OF CHARACTER SET CODES USED IN THIS DOCUMENT

The following are the conventions used in this document to define the format for each field. of 34Ver 79 05-Sep-11




X Any of the permitted characters previously described - including Alpha, Numerals and Punctuation AN Alpha and/or numeric (including space) but not including special characters or punctuation A Alpha onlyDT Date, in YYMMDD or CCYYMMDD format. CC is century.ID Code values taken from a predefined list

N Numeric data (Inclusive of decimal point for amount values).R RequiredC Conditional - conditions depend on the type of payment, refer to STP rulesO Optional - depends on client's business requirements - for example, information to the beneficiary is optional

Example: A field with an format attribute of "AN 5/20" means it can contain data of type alphanumeric with a minimum length of 5 anda maximum length of 20.

REGULATORY REQUIREMENTS To comply with regulatory requirements, all Wire Transfers (Domestic high value, Foreign Currency, Cross Border transfers and

MultiBank transactions) must include full and meaningful name and address details for both the ordering party and the receiving(beneficiary) party. Where a shared service centre is processing transactions on behalf of subsidiary entities, the underlying subsidiaryentity's name and address details should be quoted.

As a minimum, please include the following business attributes: Name 1

Address Line 1City or TownZip or Postcode (where used in mailing addresses)State Code (for Addresses in US and Canada)Country Code Failure to comply with these regulatory requirements can result in delays or the payment being blocked or returned.

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ASIARegional Support Contacts

Asia Technical Care Centre

[email protected]

(+61) 02 9931 4333

Client Services related:

[email protected]

+612 9931 4222

Asia Technical Care Centre

[email protected]

(+61) 02 9931 4333

Support Group

Support Email

Support Telephone

Escalation Contact

Escalation Email

Escalation Telephone

BA Direct

BA Direct Email

BA Direct Telephone

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Philippines

Processing Country Introduction

There are five payment and clearing systems in the Philippines that relate to cash and treasury management:

Philippine Clearing House Corporation (PCHC) — PCHC is a private corporation owned and operated by commercial banks thatare members of the Bankers Association of the Philippines (BAP). The PCHC is supported and regulated by the Bangko Sentral ngPilipinas (BSP) and operates a MICR-encoded cheque clearing system within the metro Manila area. Cheques are bundled byparticipant banks and presented by 5:00 p.m. to the PCHC, which sorts them and posts the net amount due to/from each bank to thebank‟s account with the BSP. The posting takes place on the day following clearing for value on the day of clearing.

Philippine Domestic Dollar Transfer System (PDDTS) — The Philippine Domestic Dollar Transfer System (PDDTS) is a domesticU.S. dollar electronic clearing and payment system operated joint ly by the BAP, Philippine Securities Settlement Corporation (PSSC)and Citibank Manila. The PDDTS system uses the PSSC system and network infrastructure with Citibank Manila as the US dollarsettlement bank. The PSSC system allows for online entry and real-time-gross-settlement (RTGS) of highvalue US-dollar inter-banktransfers.

Philippine Payment System (PPS) — PPS is a high value interbank payments system (sometimes referred to as PHILPASS) andis operated by the Bangko Sentral ng Pilipinas (BSP) for all commercial and thrift banks. It is an RTGS system where participantstransmit instructions to the BSP under the SWIFT platform, settle their interbank call loan transactions, and effect fund transfersagainst the participant„s or bank‟s account with the BSP for value that day.

Electronic Peso Clearing and Settlement (EPCS) — The Electronic Peso Clearing System has functioned under BAP and PCHCsince January 2003, and is used for payments of small-amount domestic cross-bank peso account transfers upon the over-the-counter request of customers.

Regional Clearing — Bangko Sentral ng Pilipinas (BSP) — The BSP operates regional clearing units for transactions drawn on

regional and provincial banks not covered by PCHC operations. Before 1:30 p.m., participant‟s present bundled cheques to theclearing unit, who then debits or credits the bank‟s head office account with the BSP for value on the same business day.

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Processing Country Websites

http://www.bsp.gov.ph/financial/payment.asp

Bangko Sentral ng Philippines (Central Bank of the Philippines)

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Manila

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Branch Transaction Types Supported via BAFF Payment

Transaction

Type

Transfer

CurrencyTransaction Description

CHEQUE PHP

CorporateCheque PHPFedwire USD

PAYACH PHP

PAYEFT USD

PAYEFT PHP

PAYPBP PHP

PAYPMC PHP

Swift Any Supported

BranchNumber

CurrencyCode Currency

Transfer Currencies Supported by Manila

6059 AUD Australian Dollar

6059 CAD Canadian Dollar

6059 CHF Swiss Franc

6059 EUR Euro

6059 GBP Great Britain Pound

6059 HKD Hong Kong Dollar

6059 JPY Japanese Yen

6059 PHP Phillipines Peso

6059 SGD Singapore Dollar

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6059 USD US Dollar

Please refer to separate Cutoff Times document for value date rules.

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ManilaSTP Rules for Transfers f rom : 6059

Structured Remittance DocumentDiscount Amount

O P71 3 1 15 N

CorporateCheque

Purpose Attribute Necessity Segment Qualifier Element Min Max Charset Content Notes

Corporate Cheque - Outsource Printing

Payment Method Code Code List R P20 4 3 3 AN CHK

Transfer Currency ISO Currency Code R P20 8 3 3 A PHP

Transfer Amount Data R P20 7 1 Unlimited N

Ordering Party Name R P50 2 3 35 AN Bank will truncate to thismaximum

Receiving Party Address Line 1 R P55 2 3 35 AN

Receiving Party Address Line 2 C P55 3 0 35 AN

Receiving Party City or Town R P56 2 3 30 AN

Receiving Party State Code C P56 3 2 2 AN Only for US and Canada

Receiving Party Zip or Postcode R P56 4 1 9 AN

Receiving Party Country Code R P53 4 2 2 A

Textual Information Data O P70 FTX 3 0 140 AN Bank will truncate to this

Maximum

Structured Remittance Document Type R P70 INV 1 3 3 AN

Structured Remittance DocumentReference

O P70 3 1 30 AN

Structured Remittance Document Original Amount

O P70 6 1 15 N

Structured Remittance Document Date O P70 4 8 8 N

Structured Remittance Document AmountPaid

O P70 5 1 15 N

Structured Remittance DocumentDiscount Amount

O P71 3 1 15 N

PAYACH


Philippines Low Value Domestic Payment (EPCS - End Of Day (Peso))

Payment Method Code Code List R P20 4 3 3 AN ACH




Receiving Bank SortCode R P41 EFT 3 9 9 N BRSTN Number

Receiving Bank Country Code R P41 RB 7 2 2 A PH

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Receiving Account Account Number R P41 5 1 16 N

Receiving Party Name R P53 2 3 35 AN Bank will truncate to thismaximum

Textual Information Data O P70 FTX 3 0 140 AN Bank will truncate to thisMaximum

PAYEFTPurpose Attribute Necessity Segment Qualifier Element Min Max Charset Content Notes

Philippines High Value (PHP) Domestic Payment (RTGS)

Payment Method Code Code List R P20 4 3 3 AN PRO




Receiving Bank Swift BIC R P41 SWT 3 8 11 AN



Receiving Party Name R P53 2 3 35 AN Bank will truncate to this

maximumTextual Information Data O P70 FTX 3 0 140 AN Bank will truncate to this

Maximum

PAYPBP


Partner Bank Payments via Banco de Oro.


Secondary PaymentMethod Code

Code List R P20 11 3 3 AN PBP




Receiving Bank SortCode R P41 EFT 3 9 9 N Refer to Processing CountryLocal Instrument Notes –Special BRSTN for PartnerBank




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PAYPMC


Upcountry Cheque via Banco De Oro,


Secondary PaymentMethod Code

Code List R P20 11 3 3 AN PMC




Receiving Bank SortCode R P41 EFT 3 9 9 N Refer to Processing CountryLocal Instrument Notes –Special BRSTN for PartnerBank



Fedwire


Fedwire Transfer

Payment Method Code Code List R P20 4 3 3 AN FWT

Transfer Currency ISO Currency Code R P20 8 3 3 A USD



Receiving Bank US ABA Number R P41 3 9 9 N US ABA (ALSO KNOWN ASFedwire Number)

Receiving Bank Country Code R P41 RB 7 2 2 A US




PAYEFT


Philippines High Value (USD) Domestic Payment (PDDTS)


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Transfer Currency ISO Currency Code R P20 8 3 3 A USD



Receiving Bank Swift BIC R P41 SWT 3 8 11 AN





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Processing Country Local Instrument Notes

Instrument High Value Payments

Notes PHILIPPINES – PHP (BOFA Manila Branch)

Partner Bank Payments – Special Requirements for BRSTN

Partner Bank payments (Cash, Direct Credit/Book Transfer and Upcountry Cheque) through BancoDe Oro have special requirements for Receiving Bank, Bank (Sort) Code. This is because theBRSTN number indicated enables Banco de Oro to internally route transactions to provide thespecific processing and disbursement required by the client.

Routing by Payment Type

(i) If Receiving Bank/Branch BRSTN = "010530667" – this will be routed to Banco De Oro for creditinto a beneficiary account maintained within Banco De Oro (i.e. Direct Credit / Book Transfer)(ii) If Receiving Bank/Branch BRSTN = "010539997" - this will be routed to Banco De Oro for creditinto a cash card (i.e. Cash payment)(iii) If Receiving Bank/Branch BRSTN field = "01053XXX8" or "01053XXX9"- this will be routed tothe Cheque Disbursement branches – however since there are multiple locations, the client is ableto indicate the most appropriate one (based on their preference according to proximity to theiroffice, the locations of their beneficiaries or otherwise) by use of the specific codes below.

Preferred Routing to Banco De Oro for cheques to be printed and released at the designatedBanco De Oro branch

(i) If Receiving Bank/Branch BRSTN = "010530668" - Draft will be printed and distributed by Manilabranch(ii) If Receiving Bank/Branch BRSTN = "010530808" - Draft will be printed and distributed by Cebubranch(iii) If Receiving Bank/Branch BRSTN = "010531298" - Draft will be printed and distributed byCalamba branch(iv) If Receiving Bank/Branch BRSTN = "010531778" - Draft will be printed and distributed by IloiloLedesma branch

Philippines

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(v) If Receiving Bank/Branch BRSTN = "010531878" - Draft will be printed and distributed by DavaoC.M. Recto branch(vi) If Receiving Bank/Branch BRSTN = "010531918" - Draft will be printed and distributed by CDOCogon branch

Preferred Routing to Banco De Oro for cheques to be printed at the designated Banco De Oro

branch and delivered to the client‟s location

(vii) If Receiving Bank/Branch BRSTN = "010530669" - Draft will be printed at Manila branch(viii) If Receiving Bank/Branch BRSTN = "010530809" - Draft will be printed at Cebu branch(ix) If Receiving Bank/Branch BRSTN = "010531299" - Draft will be printed at Calamba branch(x) If Receiving Bank/Branch BRSTN = "010531779" - Draft will be printed at Iloilo Ledesma branch(xi) If Receiving Bank/Branch BRSTN = "010531879" - Draft will be printed at Davao Monteverdebranch(xii) If Receiving Bank/Branch BRSTN = "010531919" - Draft will be printed at CDO Cogon branch

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Notes on Paying To All Countries

The previous page concludes the section of this guide that provides information related to using the BAFF Payment file format toeffect "local" or "in-country" payments, where the debit party and credit party are within the borders of the country, or countries,referenced in this guide.

The following pages contain information on using the BAFF Payment file format to effect "cross-border" payments, where the debitparty account is domiciled in the country, or countries, referenced in this guide, and the credit party account is domiciled in anothercountry with specific requirements for payments sent into their country from abroad.

If paying to a country or area not specif ically listed in the following pages, follow the instructions listed below:

Transaction Type will be "SWIFT" - see STP rules for this transaction type in the STP formatting rules section appropriate to thecountry / branch where the debit account is serviced for generic rules for a SWIFT (cross-border) payment.

Account ID format = 1-31 an or IBAN if required by target country (see below)

Receiving Bank = SWIFT BIC Receiving Account = Use IBAN if required by target country

Note: The IBAN is required in all European countries, plus the following countries outside of Europe: Israel, Mauritius, Saudi Arabia,and Tunisia.

If you require additional details for effecting cross-border payments to a country not specifically listed on the following pages, youmay contact your Bank of America Implementation Advisor or Service Representative to obtain that information.

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Notes on Paying To Australia

SPECIAL PROCESSING RULES FOR AUSTRALIA

Please follow these straight-through processing guidelines when effecting payments from accounts domiciled in any of the countriesin this guide to Australia:


Currency Code = AUD Account ID format = 1-31 alpha-numeric characters

Intermediary Bank = SWIFT BIC Code of Receiving Bank Head Office

Receiving Bank = BSB Number

A SWIFT address is required if an Intermediary Bank is used.

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Notes on Paying To Brazil

SPECIAL PROCESSING RULES FOR BRAZIL

Please follow these straight-through processing guidelines when effecting payments from accounts domiciled in any of the countriesin this guide to Brazil:


Currency Code = BRL Account ID format = 1-31 alpha-numeric characters

Receiving Bank = SWIFT Address

Textual Information = This field MUST contain the TAX ID of the beneficiary of the payment.

Important Note: Payments to Brazil MUST contain the full name and address of the Ordering Party, and MUST contain the addressand phone number of the Receiving Party.

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Notes on Paying To Chile

SPECIAL PROCESSING RULES FOR CHILE

Please follow these straight-through processing guidelines when effecting payments from accounts domiciled in any of the countriesin this guide to Chile:


Currency Code = CLP Account ID format = 1-31 alpha-numeric characters

Receiving Bank = SWIFT Address

Textual Information = This field MUST contain the TAX ID of the beneficiary of the payment.

Important Note: The Chilean Peso (CLP) does not have fractional parts (i.e. “cents”, etc.). Payment amounts in Chilean Peso mustme expressed as whole numbers. Any payment orders containing amounts with fractions of one (i.e. numbers to the right of thedecimal) will be rejected.

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Notes on Paying To Euro Zone

SPECIAL PROCESSING RULES FOR EUROZONE

Please follow these straight-through processing guidelines when effecting payments from accounts domiciled in any of the countriesin this guide to countries in the Eurozone:


Currency Code = EUR Account ID format = IBAN (“International Bank Account Number”)

Receiving Bank = SWIFT BIC Receiving Account = IBAN format is country specific

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Notes on Paying To New Zealand

SPECIAL PROCESSING RULES FOR NEW ZEALAND

Please follow these straight-through processing guidelines when effecting payments from accounts domiciled in any of the countriesin this guide to New Zealand:


Currency Code = NZD Account ID format = 1-31 alpha-numeric characters

Intermediary Bank = SWIFT BIC Code of Receiving Bank Head Office

Receiving Account = BSB Number

A SWIFT address is required if an Intermediary Bank is used.

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Notes on Paying To Russia

SPECIAL PROCESSING RULES FOR RUSSIA

Please follow these straight-through processing guidelines when effecting payments from accounts domiciled in any of the countriesin this guide to Russia:


Currency Code = RUB

Intermediary Bank = SWIFT Address. (Note: If beneficiary bank does not have a SWIFT BIC address, include the full name andaddress of the bank.)

Receiving Bank = BIK code of the beneficiary bank. This is a 9-digit code assigned to each Russian bank by the Russian ClearingCentre, not to be confused with the SWIFT “BIC” code.

Receiving Account = Account Number (Note: Bank account numbers in Russia are ALWAYS 20 digits in length)

Textual Information = This field MUST contain the following information:

1. INN Number – this a 10 or 12-digit registered tax identification number of any legal entity or resident of Russia. Ten-digit is forcompanies, twelve-digit is for residents. The digits must be preceded by the letters INN

2. VAT (Value-Added Tax) – it must be indicated whether the payment includes or excludes VAT. If the service or commodity isexempt from taxes, indicate “WITHOUT NDS”. If the payment is subject to VAT, include the letters “VO” followed by the 5-character

Transaction Type Code.

Additional note: If the beneficiary is a company, the legal structure – such as LLC, LTD, OSJC, CJSC should be included along withthe company name in the beneficiary name and address field.

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Purpose Attribute Level Segment Qualifier Element Content Min Max CharSet Notes

Format Quick Reference BAFF Payment

Priority Nec

SIGNON 3 10 10 Repeat this value in PARrecord

Originator (or Sender) EDI Sender ID A AN1 R

PAR 3 10 10Originator (or Sender) EDI Sender ID B AN1 R

P20 2 10 10 US ACH Id is assigned by

Bank of America. For Non-US ACH, repeat Company IDvalue from PAR.3

Originator (or Sender) US ACH Company ID B AN1 R

P20 10 C 1 1Transaction Type Receiver AccountCredit or Debit

B AN1 R

P20 4 3 3Payment Method Code Code List B AN1 R

P20 11 3 3Secondary Payment MethodCode

Code List B AN1 C

P20 11 3 3 US NACHA SEC codePayment Format Code SEC Code Value B A1 R

P20 14 1 1Priority Data B N1 C

P20 12 1 1Batch Booking Flag Data B AN1 O

P19 3 1 16Batch Reference Data B AN1 O

P19 2 1 30 Rightmost 16 become

Transaction Reference

Duplicate Check Reference Data B AN1 R

P20 5 1 15Transaction Reference(Reported on Statement)

Data B AN2 O

P21 4 6 10Check Number Data B N1 C

P20 6 8 8Effective Entr y Date Number of Value DaysForward

B N1 R

P20 6 CCYYMMDD 8 8Effective Entry Date Data B N1 R

P20 8 3 3Transfer Currency ISO Currency Code B A1 R

P20 7 1 18Transfer Amount Data B N1 R

P50 2 3 35Ordering Party Name B AN1 R

P51 Concatenation ofElements

1 35Ordering Party Strung Address B AN1 R

PAR 3 1 10Ordering Party Company Id B AN1 R

P50 3 1 10Ordering Party Company Id B AN2 C

P50 3 3 35Ordering Party PAT ID (Pre AdvisedText)

B AN1 C

P51 2 1 35Ordering Party Address Line 1 B AN1 R

P51 3 1 35Ordering Party Address Line 2 B AN1 C

P52 2 1 30Ordering Party City or Town B AN1 R

P52 3 2 2Ordering Party State Code B AN1 C

P52 4 1 11Ordering Party Zip or Postcode B AN1 C

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Priority Nec

P52 5 2 2Ordering Party Country Code B A1 C

P40 2 [1-4] 4 4Ordered Bank GBS Branch Number B N1 R

P40 3 9 9Ordered Bank US ABA Number B N1 R

P40 2 [5-35] 1 31Ordered Account Data B AN1 R

P45 SWT3 8 11Intermediary Bank Swift BIC B AN1 C

P45 EFT3 1 10Intermediary Bank SortCode B N1 C

P45 2 EFT 3 3Intermediary Bank SortCode Qualifier B AN1 C

P46 Z63 3 35Intermediary Bank Name B AN1 C

P46 Z63 3 35Intermediary Bank PAT ID (Pre AdvisedText)

B AN1 C

P46 Z65 1 30Intermediary Bank City or Town B AN1 C

P45 6 2 2Intermediary Bank Country Code B A1 C

P41 SWT3 8 11Receiving Bank Swift BIC B AN1 C

P41 2 SWT 3 3Receiving Bank Swift BIC Qualifier B A1 C

P41 EFT3 1 11Receiving Bank SortCode B N1 C

P41 2 EFT 3 3Receiving Bank SortCode Qualifier B AN1 C

P41 3 1 11Receiving Bank US ABA Number B N1 C

P41 2 EFT 1 3Receiving Bank US ABA Qualifier B AN1 C

P42 RB3 3 35Receiving Bank Name B AN1 C

P42 RB3 3 35Receiving Bank PAT ID (Pre AdvisedText)

B AN1 C

P42 RB5 1 35Receiving Bank City or Town B AN1 C

P41 RB7 2 2Receiving Bank Country Code B A1 R

P41 5 1 31Receiving Account IBAN B AN1 C

P41 5 1 31Receiving Account Account Number B AN1 C

P53 2 3 35Receiving Party Name B AN1 R

P53 3 1 35 Only mapped for Bank Drafts,Corporate Checks and

enabled electronictransactions. Please reviewrequirements with TechnicalImplementation

Receiving Party Name 2 B AN1 C

P55 Concatenation ofElements

1 35Receiving Party Strung Address B AN1 R

P57 5 1 30Receiving Party Company Id B AN1 C

P53 2 3 35Receiving Party PAT ID (Pre AdvisedText)

B AN1 C

P55 2 1 35Receiving Party Address Line 1 B AN1 R

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Priority Nec

P17 SUB3 1 30Extra Payment Detail Service Users name B AN1 O

P17 TOC3 1 30Extra Payment Detail Order ing Party TextRef

B AN1 O

P17 R13 1 30Extra Payment Detail Reference Number 1 B AN1 O

P17 R23 1 30Extra Payment Detail Reference Number 2 B AN1 O

P18 INV3 1 74Extra Payment Detail Instruction Text B AN1 O

P18 DEE3 1 74Extra Payment Detail Other Comments B AN1 O

P18 REP3 1 74Extra Payment Detail Bene Narrative B AN1 O

P18 DEL3 1 74Extra Payment Detail Destination Address B AN1 O

P18 CCG3 1 74Extra Payment Detail Narrative B AN1 O

P18 PMT3 1 74Extra Payment Detail Payment Concept B AN1 O

P18 NPD3 1 74Extra Payment Detail Benef 2 Name SPEI B AN1 O

P18 BBN3 1 74Extra Payment Detail Document NumberText

B AN1 O

P18 PCS3 1 74Extra Payment Detail Benef 2 PaymentConcept SPEI

B AN1 O

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Glossary

CBR Central Bank Reporting (CBR) is an obligation to submit reports of cross-border payment data to the central bankof a country for statistical reporting. Not all countries require CBR, and the rules for complying with CBR for thosecountries that do require it may vary. Consult with your Bank of America Implementation Advisor for more details.

Country Code A two-letter alpha code that identifies a specific country. Visit www.iso.org and search for "Country Codes" toobtain the latest complete list.

GBS Branch Number A four-digit number that identifes a specific branch of Bank of America.

IBAN The International Bank Account Number (IBAN) is an international standard used to identify bank account numbersin Europe and elsewhere. SWIFT is the official IBAN registrar. The IBAN registry can be found by visitingwww.swift.com and performing a search for "IBAN Registry"

Intermediary Bank A bank through which funds may pass en route to the Receiving Bank as part of the processing of a payment.

ISO Currency Code A three-letter alpha code that represents a specific world currency. Visit www.iso.org and search for "CurrencyCodes" to obtain the latest complete list.

Ordering Party The party that is initiating a payment. Typically, this will be your company

Receiving Account The account of the ultimate beneficiary of the funds being paid.

Receiving Bank The bank at which the account of the ultimate beneficiary of the funds is held.

Sort Code A number assigned to a specific bank, or a specific branch of a bank, to allow for automated processing ofelectronic payments and collections. They are most commonly used in Australia, Canada, Denmark, Germany,

Ireland, Sweden, and the United Kingdom.

SWIFT BIC A SWIFT Bank Identifier Code (BIC) is a globally-used eight or eleven-character code that identifies a specificbank. An eight-character BIC is composed of a bank code (four characters), country code (two characters), and alocation code (two characters). An eleven-character BIC has the same composition as the eight-character code,with the addition of three characters to identify a specific bank branch.

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