Oracle’sBASEL IISolution

Bucuresti24th February 2004

Pal Ribarics

Oracle Financial Services Consulting,EU Enlargement Countries Solution Team

Basel - part of a broader initiative to improve shareholder value

Enterprise-Wide Reportingvia Portal

Key Risk and

PerformanceIndicators

Corporate PerformanceManagement

Minimal for Basel

Compliance

Profitability

RAROCIntegrated Risk

and Finance

Marketing

Better ReturnsSharing Client & Finance Data

Core Finance

Statutary andRegulataryReporting

RiskManagement

integrate risk

and finance

integrate finance & marketing

Apply economic

capital and track key indicators

Financial services solution map

Financial Applications

General LedgerP

ayab

les

Pro

cu

rem

en

t

Exp

ense

s

Pro

ject

s

Product

Systems

Deposits

Collateral

(CRM)

loans

InformationDelivery

P O

R T

A L

Statutory

Reporting

Management

Reporting

Regulatory

Reporting

OFSA

Bas

el I

I

FT

P

AL

M

Pro

fita

bil

ity

Data Warehouse

Other

data warehouse - OFDM

assetclassificatio

n

rating assignment

customer id

supervisory

values

Basel II

PD LGD EAD M

risk weighted calculation

capital calculation and allocation

operational risk

calculation

archiving audit trail

data management

Basel II reportin

g - Portal

internal

regulatory

disclosure

Basel II – architecture

OFSA

Externally generated credit risk

metrics

Detailed Individual customer account

data

Workflow/business process facilitation

Market Risk CapitalDetails

Basel II Data Extensions

data warehouse - OFDM

assetclassificatio

n

rating assignment

customer id

supervisory

values

Basel II

PD LGD EAD M

risk weighted calculation

capital calculation and allocation

operational risk

calculation

archiving audit trail

data management

Basel II reportin

g - Portal

internal

regulatory

disclosure

Basel II – available today

OFSA

Externally generated credit risk

metrics

Detailed Individual customer account

data

Workflow/business process facilitation

Market Risk CapitalDetails

Basel II Data Extensions

Non-Oracle

Future

Partial

Available

Ongoing

Critical component:Data Model

Critical component:Data Model

Note: The following is the logical diagram for transaction tables

A p p l i c a t i o n s

Oracle Financial Services Applications Release 4.5Copyright (C) 2000 Oracle CorporationAll Rights Reserved

Customer, Account, Transaction and Collateral Tables

O FSA_EMBEDDED_O PTI O NS# I DENTI TY_CO DE# I D_NUM BER# O PTI O N_NUM BER* I NSTRUM ENT_TYPE_CDo O PTI O N_TYPE_CDo O PTI O N_EXERCI SE_CDo O PTI O N_FREQo O PTI O N_FREQ _M ULTo O PTI O N_EXPI RATI O N_DATEo NEXT_O PTI O N_DATEo STRI KE_I NTEREST_RATE_CDo STRI KE_TYPE_CDo STRI KE_VALUE

O FSA_I NSTRUMENT_ACCO UNT_CUST# I DENTI TY_CO DE# I D_NUM BER# I NSTRUM ENT_TYPE_CD# CUS_KEYo REL_TYPE

I NTEREST_RATE_SWAPS# I DENTI TY_CO DE# I D_NUM BER* G L_ACCO UNT_I D* O RG _UNI T_I D* CO M M O N_CO A_I D* AS_O F_DATE* I SO _CURRENCY_CDo I DENTI TY_CO DE_CHGo ADJUSTABLE_TYPE_CDo AVG _NET_BO O K_BAL_Co CUR_BO O K_BALo CUR_NET_BO O K_BAL_Co CUR_NET_RATEo CUR_O ASo CUR_STATI C_SPREADo CUR_TP_PER_ADB* EM BEDDED_O PTI O NS_FLGo HI STO RI C_O ASo HI STO RI C_STATI C_SPREADo HEDG E_PO RTFO LI O _SETo I NSTRUM ENT_TYPE_CDo I NT_TYPE* I NTEREST_RATE_CDo LAST_PAYM ENT_DATEo LAST_REPRI CE_DATEo M ARG I No M ARKET_VALUE_Co M ATCHED_SPREAD_Co M ATURI TY_DATEo NEXT_PAYM ENT_DATEo NEXT_REPRI CE_DATEo NO TI O NAL_BALANCEo O RG _M ARKET_VALUE* O RI G I NATI O N_DATEo PAY_ACCRUAL_BASI S_CDo PAY_ADJUSTABLE_TYPE_CDo PAY_CO M PO UND_BASI S_CDo PAY_CUR_RATEo PAY_I NTEREST_RATE_CDo PAY_M ARG I No PAY_RATE_SET_LAGo PAY_RATE_SET_LAG _M ULTo PERCENT_SO LDo PM T_FREQo PM T_FREQ _M ULTo PREM I UMo PRI O R_TP_PER_ADBo RATE_CAP_LI FEo RATE_CHG _M I No RATE_CHG _RND_CDo RATE_CHG _RND_FACo RATE_FLO O R_LI FEo RCV_ACCRUAL_BASI S_CDo RCV_ADJUSTABLE_TYPE_CDo RCV_CO M PO UND_BASI S_CDo RCV_CUR_RATEo RCV_I NTEREST_RATE_CDo RCV_M ARG I No RCV_RATE_SET_LAGo RCV_RATE_SET_LAG _M ULTo RECO RD_CO UNTo REPRI CE_FREQo REPRI CE_FREQ _M ULTo TEASER_END_DATEo TRAN_RATE_REM _TERMo TRANSFER_RATE

I NTEREST_RATE_O PTI O NS# I DENTI TY_CO DE# I D_NUM BER* G L_ACCO UNT_I D* O RG _UNI T_I D* CO M M O N_CO A_I D* AS_O F_DATE* I SO _CURRENCY_CDo I DENTI TY_CO DE_CHGo ACCRUAL_BASI S_CDo ADJUSTABLE_TYPE_CDo AVG _NET_BO O K_BAL_Co CO M PO UND_BASI S_CDo CUR_BO O K_BALo CUR_NET_BO O K_BAL_Co CUR_NET_RATEo CUR_O ASo CUR_STATI C_SPREADo CUR_TP_PER_ADBo EFFECTI VE_RATE* EM BEDDED_O PTI O NS_FLGo HEDG E_PO RTFO LI O _SETo HI STO RI C_O ASo HI STO RI C_STATI C_SPREADo I NSTRUM ENT_TYPE_CDo I NT_TYPE* I NTEREST_RATE_CDo LAST_PAYM ENT_DATEo LAST_REPRI CE_DATEo M ARG I No M ARKET_VALUE_Co M ATCHED_SPREAD_Co M ATURI TY_DATEo NEXT_PAYM ENT_DATEo NEXT_REPRI CE_DATEo NO TI O NAL_BALANCEo O RG _M ARKET_VALUE* O RI G I NATI O N_DATEo PERCENT_SO LDo PM T_FREQo PM T_FREQ _M ULTo PREM I UMo PRI O R_TP_PER_ADBo RATE_CAP_LI FEo RATE_CAP_TYPE_CDo RATE_CHG _M I No RATE_CHG _RND_CDo RATE_CHG _RND_FACo RATE_FLO O R_LI FEo RATE_FLO O R_TYPE_CDo RATE_SET_LAGo RATE_SET_LAG _M ULTo RECO RD_CO UNTo REPRI CE_FREQo REPRI CE_FREQ _M ULTo TEASER_END_DATEo TRAN_RATE_REM _TERMo TRANSFER_RATE

FO RWARD_CO NTRACTS# I DENTI TY_CO DE# I D_NUM BER* G L_ACCO UNT_I D* O RG _UNI T_I D* CO M M O N_CO A_I D* AS_O F_DATE* I SO _CURRENCY_CDo I DENTI TY_CO DE_CHGo ACCRUAL_BASI S_CDo ADJUSTABLE_TYPE_CDo AVG _NET_BO O K_BAL_Co CO M PO UND_BASI S_CDo CUR_BO O K_BALo CUR_NET_BO O K_BAL_Co CUR_NET_RATEo CUR_O ASo CUR_RATE_FI XEDo CUR_STATI C_SPREADo CUR_TP_PER_ADB* EM BEDDED_O PTI O NS_FLGo CUR_YI ELDo FO RW ARD_TYPE_CDo HEDG E_PO RTFO LI O _SETo HI STO RI C_O ASo HI STO RI C_STATI C_SPREADo I NSTRUM ENT_TYPE_CD* I NTEREST_RATE_CDo LAST_REPRI CE_DATEo M ARG I No M ARKET_VALUE_Co M ATURI TY_DATEo NEXT_REPRI CE_DATEo NO TI O NAL_BALANCEo O RG _M ARKET_VALUE* O RI G I NATI O N_DATEo PERCENT_SO LDo PREM I UMo PRI O R_TP_PER_ADBo RATE_CAP_LI FEo RATE_CHG _M I No RATE_CHG _RND_CDo RATE_CHG _RND_FACo RATE_FLO O R_LI FEo RECO RD_CO UNTo REPRI CE_FREQo REPRI CE_FREQ _M ULTo SETTLEM ENT_DATEo SETTLEM ENT_TERMo SETTLEM ENT_TERM _M ULTo SETTLEM ENT_TYPE_CDo TEASER_END_DATEo TRAN_RATE_REM _TERMo TRANSFER_RATE

ACCO UNT_CO LLATERAL* CO LLATERAL_NUM BERo I D_NUM BERo I NSTRUM ENT_TYPE_CDo ACCT_NOo SERV* I SO _CURRENCY_CD* CO NTRACT_DATE* ACCT_CO LLATERAL_PM T_PRI O RI TY* CO LLATERAL_STATUS_CD* CO LLATERAL_STATUS_DATE* AM O UNT_SECUREDo DI SCHARG E_TYPE_CDo DI SCHARG E_DATE

ACCO UNT_G UARANTO R_RELATI O N* G UARANTO R_NUM BERo I D_NUM BERo I NSTRUM ENT_TYPE_CDo ACCT_NOo SERV* RELATI O NSHI P_CD

CO LLATERAL# CO LLATERAL_NUM BER* CO LLATERAL_TYPE_CD* I SO _CURRENCY_CD* CO LLATERAL_AM O UNT_PLEDG EDo CO LLATERAL_SUB_TYPE_CDo CO LLATERAL ASSESSO R_NUM BERo DATE_ASSESSEDo REM ARKSo M ARKET_VALUEo FO RCED_SALE_VALUEo NUM BER_O F_I NSTI TUTI O NS_HO LDI NG

CO LLATERAL_ASSESSM ENT_HI STO RY* CO LLATERAL_NUM BER* CO LLATERAL_ASSESSO R_NUM BER* DATE_ASSESSEDo I SO _CURRENCY_CDo M ARKET_VALUEo REM ARKS

CO LLATERAL_AUCTI O N_DETAI LS* CO LLATERAL_NUM BER* I SO _CURRENCY_CD* FI RST_SALE_PRI CEo M I N_SALE_PRI CEo LAST_BI D_PRI CEo LAST_BI D_DATEo NEXT_AUCTI O N_DATEo SO LD_PRI CEo SO LD_DATE

CO LLATERAL_BO ATS# CO LLATERAL_NUM BER* REG I STRATI O N_NUM BER* BO AT_NAM Eo BO AT_HO RSE_PO W ERo BO AT_LENG THo BO AT_TO NNAG E

O FSA_CO LLATRL_DI SCHRG _TYPE_CD# DI SCHARG E_TYPE_CD

O FSA_CO LLATRL_DI SCHRG _TYPE_M LS# M LS_CD# DI SCHARG E_TYPE_CD* DI SCHARG E_TYPEo DESCRI PTI O N

CO LLATERAL_I NSURANCE_DETAI LS# CO LLATERAL_NUM BER# I NSURANCE_TYPE_CD# I NSURANCE_CO M PANY_NAM Eo I SO _CURRENCY_CDo I NSURANCE_PO LI CY_NUM BERo I NSURED_AM O UNTo I NSURED_EXPI RY_DATE

CO LLATERAL_O THER_I NSTI TUTI O NS# CO LLATERAL_NUM BER# I NSTI TUTI O N_NAM E* PO SI TI O N_PRI O RI TYo I SO _CURRENCY_CDo CO LLATERAL_AM O UNT

CO LLATERAL_O W NERS# CO LLATERAL_NUM BER# O W NER_NUM BER

O FSA_G UARANTO R_RELATI O N_CD# RELATI O NSHI P_CD

O FSA_G UARANTO R_RELATI O N_M LS# M LS_CD# RELATI O NSHI P_CD* RELATI O NSHI P

CO LLATERAL_SHARES# CO LLATERAL_NUM BER* CERTI FI CATE_NUM BERo I SO _CURRENCY_CDo NUM BER_O F_SHARESo LI STED_FLGo STO CK_SYM BO Lo CO M PANY_NAM Eo PAR_VALUE

O FSA_CO LLATERAL_STATUS_CD# CO LLATERAL_STATUS_CD

O FSA_CO LLATERAL_STATUS_M LS# M LS_CD# CO LLATERAL_STATUS_CD* CO LLATERAL_STATUSo DESCI RPTI O N

O FSA_CO LLATERAL_SUB_TYPE_CD# CO LLATERAL_SUB_TYPE_CD

O FSA_CO LLATERAL_SUB_TYPE_M LS# M LS_CD# CO LLATERAL_SUB_TYPE_CD* CO LLATERAL_SUB_TYPEo DESCRI PTI O N

CO LLATERAL_VEHI CLES# CO LLATERAL_NUM BER* REG I STRATI O N_NUM BER* M AKE* M O DEL* YEAR

O FSA_I NSTRUM ENT_TYPE_CD# I NSTRUM ENT_TYPE_CDo I NSTRUM ENT_TABLE_NAM E

O FSA_I NSTRUM ENT_TYPE_M LS# M LS_CD# I NSTRUM ENT_TYPE_CD* I NSTRUM ENT_TYPEo DESCRI PTI O N

O FSA_I NSURANCE_TYPE_CD# I NSURANCE_TYPE_CD

O FSA_I NSURANCE_TYPE_M LS# M LS_CD# I NSURANCE_TYPE_CD* I NSURANCE_TYPEo DESCRI PTI O N

CO LLATERAL_REAL_ESTATE# CO LLATERAL_NUM BER* REAL_ESTATE_LEG AL_NUM BERo ADDRESS_LI NE_1o ADDRESS_LI NE_2o TO W No PO ST_CO DEo PRO VI NCEo DI STRI CTo STATEo CO UNTRYo UNI T_NOo FLO O R_NOo AREA

O FSA_CO LLATERAL_CD# CO LLATERAL_CD

O FSA_CO LLATERAL_MLS# M LS_CD# CO LLATERAL_CD* CO LLATERALo DESCRI PTI O N

MO RTG AG E_BACK_SEC_TRANSACTI O NS# I DENTI TY_CO DE# I D_NUM BER* G L_ACCO UNT_I D* O RG _UNI T_I D* CO M M O N_CO A_I D* AS_O F_DATE* I SO _CURRENCY_CDo I DENTI TY_CO DE_CHGo O PEN_NEW _ACCTo O PEN_NEW _ACCT_CO STo O PEN_BRO KERAG E_ACCTo O PEN_BRO KERAG E_ACCT_CO STo NEG O TI ATE_TRADESo NEG O TI ATE_TRADES_CO STo NEG O TI ATE_TRADES_FEEo TRADE_CO NFI RM ATI O No TRADE_CO NFI RM ATI O N_CO STo PRO CESS_CASH_PAYM ENTo PRO CESS_CASH_PAYM ENT_CO STo W I THDRAW _FRO M _CUSTO DYo W I THDRAW _FRO M _CUSTO DY_CO STo DEPO SI T_I NTO _CUSTO DYo DEPO SI T_I NTO _CUSTO DY_CO STo M AI NTAI N_ACCTo M AI NTAI N_ACCT_CO STo M AI NTAI N_ACCT_FEEo CLO SE_ACCTo CLO SE_ACCT_CO STo RECO RD_CO UNT

WHO LESALE_FUNDI NG _TRANSACTI O NS# I DENTI TY_CO DE# I D_NUM BER* G L_ACCO UNT_I D* O RG _UNI T_I D* CO M M O N_CO A_I D* AS_O F_DATE* I SO _CURRENCY_CDo I DENTI TY_CO DE_CHGo PRO CESS_FUNDS_PURCHASEo PRO CESS_FUNDS_PURCHASE_CO STo PRO CESS_FUNDS_SO LDo PRO CESS_FUNDS_SO LD_CO STo NEG O TI ATE_TRADESo NEG O TI ATE_TRADES_CO STo RECO RD_CO UNT

TERM_DEPO SI TS_TRANSACTI O NS# I DENTI TY_CO DE# I D_NUM BER* G L_ACCO UNT_I D* O RG _UNI T_I D* CO M M O N_CO A_I D* AS_O F_DATE* I SO _CURRENCY_CDo I DENTI TY_CO DE_CHGo O PEN_NEW _ACCTo O PEN_NEW _ACCT_CO STo NEW _ACCT_VI A_BRANCHo NEW _ACCT_VI A_BRANCH_CO STo NEW _ACCT_VI A_TELEBANKo NEW _ACCT_VI A_TELEBANK_CO STo NEW _ACCT_VI A_I NTERNETo NEW _ACCT_VI A_I NTERNET_CO STo CERTI FI CATE_O F_DEPO SI To CERTI FI CATE_O F_DEPO SI T_CO STo M AI NTAI N_ACCTo M AI NTAI N_ACCT_CO STo M AI NTAI N_ACCT_FEEo CLO SE_ACCTo CLO SE_ACCT_CO STo G ENERATE_ACCT_STM To G ENERATE_ACCT_STM T_CO STo RO LLO VER_PRO CESSI NGo RO LLO VER_PRO CESSI NG _CO STo RECO RD_CO UNT

DEPO SI TS_TRANSACTI O NS# I DENTI TY_CO DE# I D_NUM BER* G L_ACCO UNT_I D* O RG _UNI T_I D* CO M M O N_CO A_I D* AS_O F_DATE* I SO _CURRENCY_CDo I DENTI TY_CO DE_CHGo O PEN_NEW _ACCTo O PEN_NEW _ACCT_CO STo NEW _ACCT_VI A_BRANCHo NEW _ACCT_VI A_BRANCH_CO STo NEW _ACCT_VI A_TELEBANKo NEW _ACCT_VI A_TELEBANK_CO STo NEW _ACCT_VI A_I NTERNETo NEW _ACCT_VI A_I NTERNET_CO STo CERTI FI CATE_O F_DEPO SI To CERTI FI CATE_O F_DEPO SI T_CO STo PRO CESS_ATM _DEPO SI To PRO CESS_ATM _DEPO SI T_CO STo PRO CESS_BRANCH_DEPO SI To PRO CESS_BRANCH_DEPO SI T_CO STo PRO CESS_ATM _W I THDRAW ALo PRO CESS_ATM _W I THDRAW AL_CO STo PRO CESS_ATM _W I THDRAW AL_FEEo PRO CESS_ACCT_TRANSFERo PRO CESS_ACCT_TRANSFER_CO STo PRO CESS_BRANCH_W I THDRAW ALo PRO CESS_BRANCH_W I THDRAW AL_CO STo PRO CESS_W I RE_TRANSFER_I No PRO CESS_W I RE_TRANSFER_I N_CO STo PRO CESS_W I RE_TRANSFER_O UTo PRO CESS_W I RE_TRANSFER_O UT_CO STo PRO CESS_W I RE_TRANSFER_O UT_FEEo PRO CESS_CASHED_CHECKo PRO CESS_CASHED_CHECK_CO STo PRO CESS_DI RECT_DEPO SI To PRO CESS_DI RECT_DEPO SI T_CO STo PRO CESS_O VERDRAFTo PRO CESS_O VERDRAFT_CO STo PRO CESS_O VERDRAFT_FEEo PRO CESS_NSF_I TEMo PRO CESS_NSF_I TEM _CO STo PRO CESS_NSF_I TEM _FEEo O VERDRAFT_PRO TECTN_ADVo O VERDRAFT_PRO TECTN_ADV_CO STo O VERDRAFT_PRO TECTN_ADV_FEEo RETURNED_DEPO SI T_I TEMo RETURNED_DEPO SI T_I TEM _CO STo RETURNED_DEPO SI T_I TEM _FEEo PRO CESS_CHECK_CARD_DEBI To PRO CESS_CHECK_CARD_DEBI T_CO STo PRO CESS_CHECK_CARD_DEBI T_FEEo PRO CESS_CHECK_PAI Do PRO CESS_CHECK_PAI D_CO STo PRO CESS_CHECK_REO RDERo PRO CESS_CHECK_REO RDER_CO STo PRO CESS_CHECK_REO RDER_FEEo PRO CESS_BI LL_PAYM ENTo PRO CESS_BI LL_PAYM ENT_CO STo PRO CESS_BI LL_PAYM ENT_FEEo STO P_PAYM ENT_O RDERo STO P_PAYM ENT_O RDER_CO STo STO P_PAYM ENT_O RDER_FEEo M AI NTAI N_ACCTo M AI NTAI N_ACCT_CO STo M AI NTAI N_ACCT_FEEo CLO SE_ACCTo CLO SE_ACCT_CO STo RECO RD_CO UNT

I NVESTMENTS_TRANSACTI O NS# I DENTI TY_CO DE# I D_NUM BER* G L_ACCO UNT_I D* O RG _UNI T_I D* CO M M O N_CO A_I D* AS_O F_DATE* I SO _CURRENCY_CDo I DENTI TY_CO DE_CHGo O PEN_NEW _ACCTo O PEN_NEW _ACCT_CO STo NEW _ACCT_VI A_BRANCHo NEW _ACCT_VI A_BRANCH_CO STo NEW _ACCT_VI A_TELEBANKo NEW _ACCT_VI A_TELEBANK_CO STo NEW _ACCT_VI A_I NTERNETo NEW _ACCT_VI A_I NTERNET_CO STo NEW _ACCT_RO LLO VERo NEW _ACCT_RO LLO VER_CO STo PRO CESS_DEPO SI To PRO CESS_DEPO SI T_CO STo PRO CESS_W I THDRAW ALo PRO CESS_W I THDRAW AL_CO STo REG ULAR_DI STRI BUTI O No REG ULAR_DI STRI BUTI O N_CO STo M AI NTAI N_ACCTo M AI NTAI N_ACCT_CO STo M AI NTAI N_ACCT_FEEo DEPO SI T_I NTO _ACCTo DEPO SI T_I NTO _ACCT_CO STo DEPO SI T_I NTO _ACCT_FEEo W I THDRAW _FRO M _ACCTo W I THDRAW _FRO M _ACCT_CO STo W I THDRAW _FRO M _ACCT_FEEo CLO SE_ACCTo CLO SE_ACCT_CO STo RECO RD_CO UNT

MO RTG AG ES_TRANSACTI O NS# I DENTI TY_CO DE# I D_NUM BER* G L_ACCO UNT_I D* O RG _UNI T_I D* CO M M O N_CO A_I D* AS_O F_DATE* I SO _CURRENCY_CDo I DENTI TY_CO DE_CHGo SO LI CI T_LO ANo SO LI CI T_LO AN_CO STo SO LI CI T_LI NE_O F_CREDI To SO LI CI T_LI NE_O F_CREDI T_CO STo UNDERW RI TE_LO ANo UNDERW RI TE_LO AN_CO STo UNDERW RI TE_LO AN_FEEo UNDERW RI TE_LI NE_O F_CREDI To UNDERW RI TE_LI NE_O F_CREDI T_CO STo UNDERW RI TE_LI NE_O F_CREDI T_FEEo O RI G I NATE_LO ANo O RI G I NATE_LO AN_CO STo O RI I G NATE_LO AN_FEEo O RI G I NATE_LI NE_O F_CREDI To O RI G I NATE_LI NE_O F_CREDI T_CO STo O RI G I NATE_LI NE_O F_CREDI T_FEEo M AI NTAI N_LO ANo M AI NTAI N_LO AN_CO STo M AI NTAI N_LO AN_FEEo M AI NTAI N_LI NE_O F_CREDI To M AI NTAI N_LI NE_O F_CREDI T_CO STo DRAW _AG NST_LI NE_O F_CREDI To M AI NTAI N_LI NE_O F_CREDI T_FEEo DRAW _AG NST_LI NE_O F_CREDI T_CO STo DRAW _AG NST_LI NE_O F_CREDI T_FEEo PRO CESS_LO AN_PAYM ENTo PRO CESS_LO AN_PAYM ENT_CO STo DELI NQ UENT_LO ANo DELI NQ UENT_LO AN_CO STo DELI NQ UENT_LO AN_FEEo M AI NTAI N_CO LLATERALo M AI NTAI N_CO LLATERAL_CO STo PRO CESS_LO AN_PAYO FFo PRO CESS_LO AN_PAYO FF_CO STo CLO SE_LI NE_O F_CREDI To CLO SE_LI NE_O F_CREDI T_CO STo RECO RD_CO UNT

CREDI T_CARDS_TRANSACTI O NS# I DENTI TY_CO DE# I D_NUM BER* G L_ACCO UNT_I D* O RG _UNI T_I D* CO M M O N_CO A_I D* AS_O F_DATE* I SO _CURRENCY_CDo I DENTI TY_CO DE_CHGo O PEN_NEW _ACCTo O PEN_NEW _ACCT_CO STo PRO CESS_PURCHASEo PRO CESS_PURCHASE_CO STo M AI NTAI N_ACCTo M AI NTAI N_ACCT_CO STo M AI NTAI N_ACCT_FEEo M AI NTAI N_RI SK_CO NTRO Lo M AI NTAI N_RI SK_CO NTRO L_CO STo PRO CESS_CASH_ADVANCEo PRO CESS_CASH_ADVANCE_CO STo PRO CESS_LI M I T_I NCREASEo PRO CESS_LI M I T_I NCREASE_CO STo CLO SE_ACCTo CLO SE_ACCT_CO STo RECO RD_CO UNT

CO NSUMER_LO AN_TRANSACTI O NS# I DENTI TY_CO DE# I D_NUM BER* G L_ACCO UNT_I D* O RG _UNI T_I D* CO M M O N_CO A_I D* AS_O F_DATE* I SO _CURRENCY_CDo I DENTI TY_CO DE_CHGo SO LI CI T_LO ANo SO LI CI T_LO AN_CO STo UNDERW RI TE_LO ANo UNDERW RI TE_LO AN_CO STo UNSERW RI TE_LO AN_FEEo O RI G I NATE_LO ANo O RI G I NATE_LO AN_CO STo O RI G I NATE_LO AN_FEEo M AI NTAI N_LO ANo M AI NTAI N_LO AN_CO STo M AI NTAI N_LO AN_FEEo PRO CESS_LO AN_PAYM ENTo PRO CESS_LO AN_PAYM ENT_CO STo M AI NTAI N_DELI NQ UENT_LO ANo M AI NTAI N_DELI NQ UENT_LO AN_CO STo M AI NTAI N_DELI NQ UENT_LO AN_FEEo M AI NTAI N_CO LLATERALo M AI NTAI N_CO LLATERAL_CO STo PRO CESS_LO AN_PAYO FFo PRO CESS_LO AN_PAYO FF_CO STo RECO RD_CO UNT

CO MMERCI AL_LO AN_TRANSACTI O NS# I DENTI TY_CO DE# I D_NUM BER* G L_ACCO UNT_I D* O RG _UNI T_I D* CO M M O N_CO A_I D* AS_O F_DATE* I SO _CURRENCY_CDo I DENTI TY_CO DE_CHGo SO LI CI T_LO ANo SO LI CI T_LO AN_CO STo UNDERW RI TE_LO ANo UNDERW RI TE_LO AN_CO STo UNDERW RI TE_LO AN_FEEo O RI G I NATE_LO ANo O RI G I NATE_LO AN_CO STo O RI G I NATE_LO AN_FEEo M AI NTAI N_LO ANo M AI NTAI N_LO AN_CO STo M AI NTAI N_LO AN_FEEo PRO CESS_LO AN_PAYM ENTo PRO CESS_LO AN_PAYM ENT_CO STo DELI NQ UENT_LO ANo DELI NQ UENT_LO AN_CO STo DELI NQ UENT_LO AN_FEEo M AI NTAI N_CO LLATERALo M AI NTAI N_CO LLATERAL_CO STo PRO CESS_LO AN_PAYO FFo PRO CESS_LO AN_PAYO FF_CO STo RECO RD_CO UNT

LEDG ER_STAT# I DENTI TY_CO DE# YEAR_S# ACCUM _TYPE_CD# CO NSO LI DATI O N_CD# I SO _CURRENCY_CD# FI NANCI AL_ELEM _I D# O RG _UNI T_I D# G L_ACCO UNT_I D# CO M M O N_CO A_I Do M O NTH_01o M O NTH_02o M O NTH_03o M O NTH_04o M O NTH_05o M O NTH_06o M O NTH_07o M O NTH_08o M O NTH_09o M O NTH_10o M O NTH_11o M O NTH_12o YTD_01o YTD_02o YTD_03o YTD_04o YTD_05o YTD_06o YTD_07o YTD_08o YTD_09o YTD_10o YTD_11o YTD_12

LEDG ER_STAT_DETAI L* I DENTI TY_CO DE* I D_NUM BERo RECO RD_CO UNT* AS_O F_DATE* CO M M O N_CO A_I D* O RG _UNI T_I D* G L_ACCO UNT_I Do I DENTI TY_CO DE_CHG

ACCT# ACCT_I Do CUS_NOo ACCT_NOo ACCT_ADDR_KEYo SERV_TYPEo SERVo PRO Do SUBPRO Do STATUSo O RG 1o O RG 2o O RG 3o O RG 4o O RG 5o O FF_CO DEo CI F_KEYo CO ST_CO DEo O PEN_DTo BAL_O RI Go BAL_CURRo BAL_AVEo I NT_RTo TO T_FEESo NO _DRSo NO _DRS_YTDo NO _CRSo NO _CRS_YTDo NO _ATM _DRSo NO _ATM _DRS_YTDo NO _ATM _CRSo NO _ATM _CRS_YTDo JO I NT_ACCTo VI P_ACCTo CENSUS_STo CENSUS_CNTYo CENSUS_TRACTo CENSUS_BLO CKo PCo G A01Lo G A01Co G A01F2Do G A02F2Do G A03F2Do G A01T1o G A02T1o G A03T1o G A04T1o G A05T1o G A01T3o G A02T3o G A03T3o G A01T5o G A02T5o G A03T5o G A01T10o G A02T10o O PEN_CLO SEDo CLO SE_DTo RESN_CLO SE# I DENTI TY_CO DE# I D_NUM BERo AS_O F_DATEo I DENTI TY_CO DE_CHGo RECO RD_CO UNTo G L_ACCO UNT_I Do O RG _UNI T_I Do CO M M O N_CO A_I Do TRANSFER_RATEo ADJUSTABLE_TYPE_CDo CUR_NET_RATEo CUR_TP_PER_ADBo I NTEREST_RATE_CDo LAST_REPRI CE_DATEo M ARG I No M ATCHED_SPREAD_Co M ATURI TY_DATEo NEXT_REPRI CE_DATEo O RI G I NATI O N_DATEo PRI O R_TP_PER_ADBo RATE_CHG _RND_CDo RATE_CAP_LI FEo RATE_CHG _M I No RATE_CHG _RND_FACo RATE_FLO O R_LI FEo REPRI CE_FREQo REPRI CE_FREQ _M ULTo TEASER_END_DATEo TRAN_RATE_REM _TERMo TRANSFER_CHG _CREDo I NT_I NC_EXPo ALLO C_EQ UI TYo EQ UI TY_CREDI To LO AN_LO SS_PRO Vo NET_I NT_M ARG I No G RO SS_FEESo W AI VED_FEESo NET_FEESo TELLER_EXPo PLATFO RM _EXPo ATM _EXPo ELEC_EXPo CALL_EXPo DI STRI B_EXPo DEPO SI T_I NSURANCEo DATA_EXPo I TEM _EXPo RETAI L_EXPo O THER_PRO CESSI NG _EXPo TO T_PRO CESSI NG _EXPo O THER_EXPo TO TAL_EXPo CO NTRI B_AFTER_CPTL_CHGo RETURN_O N_EQ UI TYo RO E_SEG M ENTo CHANNELo BRANCH_DEPO SI TSo BRANCH_W I THDRAW ALSo BRANCH_O THERo ATM _DEPO SI TSo ATM _W I THDRAW ALSo ATM _O THERo RETURN_I TEM So O VERDRAFT_I TEM So ELEC_TRANSACTI O NSo CALLSo CHECKSo TO TAL_TRANSACTI O NSo PERCENT_SO LDo SEG M ENT1o SEG M ENT2o SEG M ENT3o SEG M ENT4o SEG M ENT5o I SO _CURRENCY_CD

BUS# CUS_NOo DUN_NOo O X_NOo O THER_YNo CO NTACT_NAM Eo CO NTACT_TI TLEo I N_BUS_SI NCEo YEARS_I N_BUSo BUS_TYPEo O W NERo SI Co BUS01Lo BUS01F2Do BUS01DTo BUS01Co BUS01T1o BUS02T1o BUS03T1o BUS04T1o BUS01T3o BUS02T3o BUS01T5o BUS02T5o BUS03T10o BUS04T10o BUS05T10o BUS06T10o BUS07T10o BUS08T10o BUS09T20o BUS10T20o ED_NAM Eo ED_CO NTACT_NAM Eo I DENTI TY_CO DEo I D_NUM BERo AS_O F_DATEo I DENTI TY_CO DE_CHGo RECO RD_CO UNTo G L_ACCO UNT_I Do O RG _UNI T_I Do CO M M O N_CO A_I Do I SO _CURRENCY_CD

CC# ACCT_I Do CUS_NOo ACCT_NOo CR_LI NEo EXP_DTo CR_SCO REo CARDS_I SSo FEE_ANNo M ERCH_I NT_RTo CASH_I NT_RTo CR_LI NE_DTo BAL_PURCH_CURRo BAL_PURCH_YTDo BAL_PURCH_LST_YRo BAL_PURCH_PREV_CYCLEo BAL_ADV_CURRo BAL_ADV_YTDo BAL_ADV_LST_YRo BAL_HI G Ho BAL_FO R_I NT_PREV_CYo BAL_PREV_CYCLEo I NT_YTDo I NT_PURCH_YTDo I NT_ADV_YTDo LAST_TRANS_DTo LAST_PM T_DTo LAST_PM T_AM To DELQ _AM To DELQ _DAYS_CURRo DELQ _30o DELQ _60o DELQ _90o DELQ _AM T_30o DELQ _AM T_60o DELQ _AM T_90o DELQ _AM T_120o DELQ _AM T_150o DELQ _AM T_180o CYCLE_DELQ _1o CYCLE_DELQ _1_YTDo CYCLE_DELQ _2o CYCLE_DELQ _2_YTDo CYCLE_DELQ _3o CYCLE_DELQ _3PLUSo CYCLE_DELQ _3_YTDo CYCLE_DELQ _4o CYCLE_DELQ _5o CYCLE_DELQ _5PLUSo CYCLE_DELQ _6o CYCLE_O VR_LM To CYCLE_O VR_LM T_YTDo FEE_CURRo FEE_W V_CURRo STATUSo ACCT_NO _CKGo ACCT_NO _SAVo ACCT_SAV_LO Co ADV_FEES_CURRo ADV_PREV_CYCLEo ADV_SRV_CHG _SPECLo AG ENT_BANKo ANN_FEE_CO DEo ANN_FEE_DTo APPL_SCO REo APPL_O VRRI DE_REASO No APPL_ANALYST_I Do APPL_FI NAL_SCO REo BEHAV_M O _1o BEHAV_M O _2o BEHAV_M O _3o BEHAV_SCO REo BO NUS_AM T_CURRo CO _AM To CO _DTo CO _REASO No CRDT_BAL_RATEo CRDT_I NT_YTDo CR_LI FE_BI LLED_YTDo CR_LI N_O RI Go CR_SCO RE_DTo DT_FRST_ACTo DT_LST_CR_LN_CHGo DT_LST_STATUS_CHGo DT_LST_REJECTo DT_M EM BRSHP_ANNVo FEE_O VR_LM T_YTDo FEE_YTDo I TEM _CHG S_YTDo NO _ADV_CURRo NO _ADV_PREV_CYCLEo NO _ADV_YTDo NO _ADV_LST_YRo NO _M O _W TH_ACTo NO _M O _W TH_FI N_CHGo NO _PM TS_CURR_CYCLEo NO _PM TS_PREV_CYCLEo NO _PURCH_CURRo NO _PURCH_PREV_CYCLEo NO _PURCH_YTDo NO _PURCH_LST_YRo NO _REFUNDS_CURRo PAY_AHEAD_CO DEo PM T_AM T_SPECLo PM T_AM T_PREV_CYCLEo PM T_HI STO RYo PURCH_AVG _BALo PURCH_M TDo PURCH_PREV_CYCLEo PURCH_SVC_CHG _SPECLo PURCH_TO _DTo REFUNDS_CURRo REFUNDS_PREV_CYCLEo REFUNDS_YTDo SRV_CHG _PREV_CYCLEo STATUS_CW Bo STATUS_PREV_CYCLEo STATUS_REPO RTI NGo TRANSFRD_BALo TRANSFRD_DTo TRANS_DI SPUTEDo CC01Lo CC02Lo CC01F2Do CC02F3Do CC01DTo CC01Co CC02Co CC03Co CC04Co CC01T1o CC02T1o CC03T1o CC04T1o CC05T1o CC01T3o CC02T3o CC03T3o CC01T5o CC02T5o CC03T10o CC04T10o CC05T10o CC01T20o CC01T25# I DENTI TY_CO DE# I D_NUM BERo AS_O F_DATEo I DENTI TY_CO DE_CHGo RECO RD_CO UNTo G L_ACCO UNT_I Do O RG _UNI T_I Do CO M M O N_CO A_I Do I SO _CURRENCY_CD

CD# ACCT_I Do CUS_NOo ACCT_NOo LAST_DEP_DTo LAST_DEP_AM To LAST_W D_DTo LAST_W D_AM To M AT_DTo TERMo I NT_YTDo I NT_RTo CO M P_FREQo I RA_YNo I RA_FUNDI NG _STATUSo BAL_HI G H_CURRo BAL_LO W _CURRo I NT_CURRo I NT_PM T_M ETHO Do DI RECT_DEP_ACCT_TYPEo DI RECT_DEP_ACCT_NOo O RI G _AM To AUTO _RENEW _YNo LAST_RENEW _DTo DI SBURSEM ENT_M ETHO Do FEE_CURRo FEE_W V_CURRo FEE_YTDo SO URCE_CO DEo CD01Lo CD02Lo CD01F2Do CD02F3Do CD01DTo CD01Co CD02Co CD03Co CD04Co CD01T1o CD02T1o CD03T1o CD04T1o CD05T1o CD01T3o CD02T3o CD03T3o CD01T5o CD02T5o CD03T10o CD04T10o CD05T10# I DENTI TY_CO DE# I D_NUM BERo AS_O F_DATEo I DENTI TY_CO DE_CHGo RECO RD_CO UNTo G L_ACCO UNT_I Do O RG _UNI T_I Do CO M M O N_CO A_I Do I SO _CURRENCY_CD

CK# ACCT_I Do CUS_NOo ACCT_NOo SAFEKP_FLAGo RTN_CKS_CURRo O DS_CURRo O D_CREDI T_CO DEo LAST_DEP_DTo LAST_DEP_AM To LAST_W D_DTo LAST_W D_AM To I NT_CURRo I NT_YTDo I NT_RTo CO M P_FREQo CR_LI NE_YNo DEPS_CURRo DEP_AM T_CURRo W DS_CURRo W D_AM T_CURRo RTN_CK_CHRG _CURRo RTN_CK_CHRG _W V_CURRo RTN_CK_CHG _YTDo O D_CHRG _CURRo O D_CHRG _W V_CURRo O D_CHRG _YTDo ATM _YNo ATM _CRS_CURRo ATM _CRS_YTDo ATM _DRS_CURRo ATM _DRS_YTDo PO S_DRS_CURRo PO S_DRS_YTDo SERV_CHRG _CURRo SERV_CHRG _W V_CURRo SERV_CHRG _YTDo M I SC_SERV_CHRG _CURRo M I SC_SERV_CHRG _W V_CURRo M I SC_SERV_CHRG _YTDo FEE_CURRo FEE_W V_CURRo FEE_YTDo BAL_HI G H_CURRo BAL_LO W _CURRo O RI G _DEPo SO URCE_CO DEo CK01Lo CK02Lo CK01F2Do CK02F3Do CK01DTo CK01Co CK02Co CK03Co CK04Co CK01T1o CK02T1o CK03T1o CK04T1o CK05T1o CK01T3o CK02T3o CK03T3o CK01T5o CK02T5o CK03T10o CK04T10o CK05T10o I NT1_CURRo I NT2_CURRo I NT3_CURRo I NT4_CURRo I NT5_CURRo I NT6_CURRo I NT1_YTDo I NT2_YTDo I NT3_YTDo I NT4_YTDo I NT5_YTDo I NT6_YTD# I DENTI TY_CO DE# I D_NUM BERo AS_O F_DATEo I DENTI TY_CO DE_CHGo RECO RD_CO UNTo G L_ACCO UNT_I Do O RG _UNI T_I Do CO M M O N_CO A_I Do I SO _CURRENCY_CD

CL# ACCT_I Do CUS_NOo ACCT_NOo CR_LI NEo AVAI L_CRo PM T_AM To PM T_FREQo PM T_M ETHO Do FEE_ANNo I NT_RTo CR_LI NE_DTo EXP_DTo LAST_TRANS_DTo LAST_PM T_DTo LAST_PM T_AM To DELQ _30o DELQ _60o DELQ _90o DELQ _30_AM To DELQ _60_AM To DELQ _90_AM To I NT_CURRo I NT_YTDo FEE_CURRo FEE_W V_CURRo FEE_YTDo AUTO PAY_YNo AUTO PAY_BANK_TRANS_NOo AUTO PAY_ACCT_NOo AUTO PAY_SERVo RI SK_RATI NGo CL01Lo CL02Lo CL01F2Do CL02F3Do CL01DTo CL01Co CL02Co CL03Co CL04Co CL01T1o CL02T1o CL03T1o CL04T1o CL05T1o CL01T3o CL02T3o CL03T3o CL01T5o CL02T5o CL03T10o CL04T10o CL05T10# I DENTI TY_CO DE# I D_NUM BERo AS_O F_DATEo I DENTI TY_CO DE_CHGo RECO RD_CO UNTo G L_ACCO UNT_I Do O RG _UNI T_I Do CO M M O N_CO A_I Do I SO _CURRENCY_CD

CN# ACCT_I Do CUS_NOo ACCT_NOo NO TE_NOo CO M M I TM ENT_AM To CO LLATERALo I NT_CURRo I NT_YTDo I NT_RTo PM T_FREQo PM T_M ETHO Do NO TE_BALo M AT_DTo NEXT_FI N_DTo PARTI CI PATI O N_YNo PARTI CI PATE_PERCENTo PARTI CI PATE_AM To PRI M E_RATE_CO DEo PRI M E_RATEo PRI M E_RATE_FACTO Ro DELQ _30o DELQ _60o DELQ _90o FEE_CURRo FEE_W V_CURRo FEE_YTDo AUTO PAY_YNo AUTO PAY_BANK_TRANS_NOo AUTO PAY_ACCT_NOo AUTO PAY_SERVo RI SK_RATI NGo CN01Lo CN02Lo CN01F2Do CN02F3Do CN01DTo CN01Co CN02Co CN03Co CN04Co CN01T1o CN02T1o CN03T1o CN04T1o CN05T1o CN01T3o CN02T3o CN03T3o CN01T5o CN02T5o CN03T10o CN04T10o CN05T10# I DENTI TY_CO DE# I D_NUM BERo AS_O F_DATEo I DENTI TY_CO DE_CHGo RECO RD_CO UNTo G L_ACCO UNT_I Do O RG _UNI T_I Do CO M M O N_CO A_I Do I SO _CURRENCY_CD

CUST# CUS_NOo CUS_KEYo ADDR_NOo CUS_TYPEo NAM Eo NAM E_SUPPo TAXI DNOo EM P_FLAGo CUST_YNo HH_NOo O RG 1o O RG 2o O RG 3o O RG 4o O RG 5o O FF_CO DEo HO M E_CO NTACT_PHO NEo W O RK_BUS_PHO NEo FAX_PHO NEo O THER_PHO NEo CI F_KEYo CO ST_CO DEo FRST_CO NT_DTo YEARSo DECEASED_YNo M AI L_YNo VI P_ACCTo CU01Lo CU02Lo CU01F2Do CU01DTo CU01Co CU02Co CU01T1o CU02T1o CU03T1o CU04T1o CU05T1o CU06T1o CU07T1o CU08T1o CU09T1o CU10T1o CU11T1o CU12T1o CU13T1o CU14T1o CU15T1o CU01T3o CU02T3o CU03T3o CU01T5o CU02T5o CU03T5o CU01T10o CU02T10o CU03T10o CU04T10o CU05T10o CU06T10o CU07T10o CU08T10o CU09T20o CU10T20o DATA_SO URCEo PRO Fo CUS_PRO F_PCTo CVIo PRI _RELo PRI _DEP_RELo PRI _LN_RELo PRI _O TH_RELo PRI _DDA_RELo PRI _SAV_RELo PRI _CDA_RELo PRI _I NV_RELo PRI _RA_RELo PRI _O D_RELo PRI _I L_RELo PRI _CL_RELo PRI _CC_RELo PRI _M L_RELo PRI _CN_RELo PRI _O L_RELo PRI _BO X_RELo PRI _DC_RELo PRI _TR_RELo PRI _LS_RELo PRI _M C_RELo PRI _O S_RELo PRI _DEP_BALo PRI _LN_BALo PRI _DDA_BALo PRI _SAV_BALo PRI _CDA_BALo PRI _I NV_BALo PRI _RA_BALo PRI _O D_BALo PRI _I L_BALo PRI _CL_BALo PRI _CC_BALo PRI _M L_BALo PRI _CN_BALo PRI _O L_BALo PRI _TR_BALo PRI _LS_BALo PRI _M C_BALo SEC_RELo SEC_DEP_RELo SEC_LN_RELo SEC_O TH_RELo SEC_DDA_RELo SEC_SAV_RELo SEC_CDA_RELo SEC_I NV_RELo SEC_RA_RELo SEC_O D_RELo SEC_I L_RELo SEC_CL_RELo SEC_CC_RELo SEC_M L_RELo SEC_CN_RELo SEC_O L_RELo SEC_BO X_RELo SEC_DC_RELo SEC_TR_RELo SEC_LS_RELo SEC_M C_RELo SEC_O S_REL# I DENTI TY_CO DE# I D_NUM BERo AS_O F_DATEo I DENTI TY_CO DE_CHGo RECO RD_CO UNTo G L_ACCO UNT_I Do O RG _UNI T_I Do CO M M O N_CO A_I Do CO NTRI B_01o CO NTRI B_02o CO NTRI B_03o G RO SS_CO NTRI Bo RELATI O NSHI P_EXPo EQ UI TY_01o EQ UI TY_02o EQ UI TY_03o TO TAL_EQ UI TYo CACC_01o CACC_02o CACC_03o TO TAL_CACCo RO E_01o RO E_02o RO E_03o TO TAL_RO Eo RO E_SEG M ENTo TO TAL_TRANSACTI O NSo CHANNELo PRO P_TO _BUYo RETAI N_SCO REo PRO FI T_SCO REo CREDI T_SCO REo SEG M ENT1o SEG M ENT2o SEG M ENT3o SEG M ENT4o SEG M ENT5o I SO _CURRENCY_CD

CUST_ADDR# ADDR_NOo STREET_ADDRo ADDR_SUPPo CI TYo STo ZI Po PLUS4o CARRI ER_RO UTEo CO UNTRY_CO DEo CO UNTRYo CENSUS_STo CENSUS_CNTYo CENSUS_TRACTo CENSUS_BLO CKo CUAD01T1o CUAD02T1o CUAD03T10o CUAD04T10o CUAD05T20o I DENTI TY_CO DEo I D_NUM BERo AS_O F_DATEo I DENTI TY_CO DE_CHGo RECO RD_CO UNTo G L_ACCO UNT_I Do O RG _UNI T_I Do CO M M O N_CO A_I Do I SO _CURRENCY_CD

DC# ACCT_I Do CUS_NOo ACCT_NOo SVC_SO URCE_CO DEo NO _O F_CARDSo ACCT1_TYPEo ACCT1_NOo ACCT2_TYPEo ACCT2_NOo SRC_TYPE_CO DEo EXP_DTo LAST_TRANS_DTo DAI LY_LI M I To DAI LY_LI M I T_ATMo DAI LY_LI M I T_PO So DT_LAST_I SSUEDo O N_US_DRSo O N_US_DRS_YTDo O N_US_CRSo O N_US_CRS_YTDo NO T_O N_US_DRSo NO T_O N_US_DRS_YTDo NO T_O N_US_CRSo NO T_O N_US_CRS_YTDo PO S_DRSo PO S_DRS_YTDo DRS_YTDo CRS_YTDo TRANSFERS_CURRo TRANSFERS_YTDo BBP_YNo BBP_YTDo BBP_LAST_YEARo FEE_CURRo FEE_W V_CURRo FEE_YTDo FEE_ANNo TI M ES_USED_CURRo TI M ES_USED_PREVo TI M ES_USED_YTDo DC01Lo DC02Lo DC01F2Do DC02F3Do DC01DTo DC01Co DC02Co DC03Co DC04Co DC01T1o DC02T1o DC03T1o DC04T1o DC05T1o DC01T3o DC02T3o DC03T3o DC01T5o DC02T5o DC03T10o DC04T10o DC05T10# I DENTI TY_CO DE# I D_NUM BERo AS_O F_DATEo I DENTI TY_CO DE_CHGo RECO RD_CO UNTo G L_ACCO UNT_I Do O RG _UNI T_I Do CO M M O N_CO A_I Do I SO _CURRENCY_CD

HH# HH_NOo HH_CUS_KEYo HH_CUST_YNo HH_NAM Eo G EO _CO DEo O W N_RENTo HO M E_VALUEo RES_TYPEo RES_YEARSo SEG M ENT_CO DEo HH_AG E_CO DEo HH_HEAD_AG Eo HH_I NCO M Eo HH_I NCO M E_SO URCEo HH_O RG 1o HH_O RG 2o HH_O RG 3o HH_O RG 4o HH_O RG 5o HH_O FF_CO DEo HH_FRST_CO NT_DTo HH_YEARSo HH_PRO Fo HH_PRO F_PCTo HVIo HH_PRI _RELo HH_PRI _DEP_RELo HH_PRI _LN_RELo HH_PRI _O TH_RELo HH_PRI _DDA_RELo HH_PRI _SAV_RELo HH_PRI _CDA_RELo HH_PRI _I NV_RELo HH_PRI _RA_RELo HH_PRI _O D_RELo HH_PRI _I L_RELo HH_PRI _CL_RELo HH_PRI _CC_RELo HH_PRI _M L_RELo HH_PRI _CN_RELo HH_PRI _O L_RELo HH_PRI _BO X_RELo HH_PRI _DC_RELo HH_PRI _TR_RELo HH_PRI _LS_RELo HH_PRI _M C_RELo HH_PRI _O S_RELo HH_PRI _DEP_BALo HH_PRI _LN_BALo HH_PRI _DDA_BALo HH_PRI _SAV_BALo HH_PRI _CDA_BALo HH_PRI _I NV_BALo HH_PRI _RA_BALo HH_PRI _O D_BALo HH_PRI _I L_BALo HH_PRI _CL_BALo HH_PRI _CC_BALo HH_PRI _M L_BALo HH_PRI _CN_BALo HH_PRI _O L_BALo HH_PRI _TR_BALo HH_PRI _LS_BALo HH_PRI _M C_BALo HH_SEC_RELo HH_SEC_DEP_RELo HH_SEC_LN_RELo HH_SEC_O TH_RELo HH_SEC_DDA_RELo HH_SEC_SAV_RELo HH_SEC_CDA_RELo HH_SEC_I NV_RELo HH_SEC_RA_RELo HH_SEC_O D_RELo HH_SEC_I L_RELo HH_SEC_CL_RELo HH_SEC_CC_RELo HH_SEC_M L_RELo HH_SEC_CN_RELo HH_SEC_O L_RELo HH_SEC_BO X_RELo HH_SEC_DC_RELo HH_SEC_TR_RELo HH_SEC_LS_RELo HH_SEC_M C_RELo HH_SEC_O S_RELo I NCO M E_CLASSo CAR_VALUEo CAR_TYPEo HH_O CC_CO DEo HH_M ARI TAL_STATUSo CR_CARD_CO DEo HH01Lo HH01F2Do HH01DTo HH01Co HH01T1o HH02T1o HH03T10o HH04T10o HH05T10o HH06T10o HH07T10o HH08T10o HH09T20o HH10T20o M AI L_CO DEo TELEM ARKET_CO DEo HH_SI ZEo NO _CUSTo M AX_AG Eo M I N_AG Eo CHI LDREN# I DENTI TY_CO DE# I D_NUM BERo AS_O F_DATEo I DENTI TY_CO DE_CHGo RECO RD_CO UNTo G L_ACCO UNT_I Do O RG _UNI T_I Do CO M M O N_CO A_I Do CO NTRI B_01o CO NTRI B_02o CO NTRI B_03o G RO SS_CO NTRI Bo RELATI O NSHI P_EXPo EQ UI TY_01o EQ UI TY_02o EQ UI TY_03o TO TAL_EQ UI TYo CACC_01o CACC_02o CACC_03o TO TAL_CACCo RO E_01o RO E_02o RO E_03o TO TAL_RO Eo RO E_SEG M ENTo TO TAL_TRANSACTI O NSo CHANNELo PRO P_TO _BUYo RETAI N_SCO REo PRO FI T_SCO REo CREDI T_SCO REo SEG M ENT1o SEG M ENT2o SEG M ENT3o SEG M ENT4o SEG M ENT5o I SO _CURRENCY_CD

I L# ACCT_I Do CUS_NOo ACCT_NOo CO NTR_AM To TERMo M AT_DTo I NT_RTo PM T_AM To PM T_FREQo PM T_M ETHO Do LAST_PM T_DTo NO _PM TS_PAI Do CO LLATERALo PARTI CI PATI O N_YNo PARTI CI PATE_PERCENTo PARTI CI PATE_AM To I NSURANCE_CREDI T_LI FEo CREDI T_LI FE_PREM _CURRo CREDI T_LI FE_I NS_COo I NSURANCE_AHo AH_PREM _CURRo AH_I NS_COo FEE_CURRo FEE_W V_CURRo FEE_YTDo I NT_CURRo I NT_YTDo UNEARNED_DI SCO UNTo DELQ _15o DELQ _30o DELQ _60o DELQ _90o AUTO PAY_YNo AUTO PAY_BANK_TRANS_NOo AUTO PAY_ACCT_NOo AUTO PAY_SERVo DEALER_NOo RI SK_RATI NGo STUDENT_SCHO O L_I Do STUDENT_STATUSo STUDENT_YEAR_I N_SCHO O Lo STUDENT_DT_LEFT_SCHO O Lo I L01Lo I L02Lo I L01F2Do I L02F3Do I L01DTo I L01Co I L02Co I L03Co I L04Co I L01T1o I L02T1o I L03T1o I L04T1o I L05T1o I L01T3o I L02T3o I L03T3o I L01T5o I L02T5o I L03T10o I L04T10o I L05T10# I DENTI TY_CO DE# I D_NUM BERo AS_O F_DATEo I DENTI TY_CO DE_CHGo RECO RD_CO UNTo G L_ACCO UNT_I Do O RG _UNI T_I Do CO M M O N_CO A_I Do I SO _CURRENCY_CD

I ND# CUS_NOo HH_NOo LPO So LLENo PPO So PLENo FPO So FLENo M PO So M LENo SPO So SLENo NAM E_ATTRI B_PREFI Xo NAM E_ATTRI B_SUFFI Xo AG Eo AG E_CO DEo BTH_DTo O CC_CO DEo EM PLO YERo SEXo M ARRI EDo I ND01Lo I ND01F2Do I ND01DTo I ND02DTo I ND01Co I ND01T1o I ND02T1o I ND03T1o I ND04T1o I ND01T3o I ND02T3o I ND01T5o I ND02T5o I ND03T10o I ND04T10o I ND05T10o I ND06T10o I ND07T10o I ND08T10o I ND09T20o I ND10T20o EM PL_DTo I NCO M Eo I NCO M E_SO URCEo EDUC_LEVELo ETHNI C_BKG RNDo PREFI Xo FNAMo M I DDLEo LNAMo SUFFI Xo SAL_1o SAL_2o SAL_3o I DENTI TY_CO DEo I D_NUM BERo AS_O F_DATEo I DENTI TY_CO DE_CHGo RECO RD_CO UNTo G L_ACCO UNT_I Do O RG _UNI T_I Do CO M M O N_CO A_I Do AG E_SEG M ENTo I SO _CURRENCY_CD

I V# ACCT_I Do CUS_NOo ACCT_NOo APPL_DTo AG ENTo CARRI ERo DEP_DTo O RI G _AM To TERMo TERM _CO DEo AM T_PURCH_CURRo AM T_PURCH_LST_YRo AM T_PURCH_YTDo AM T_SO LD_CURRo AM T_SO LD_LST_YRo AM T_SO LD_YTDo LAST_PRO D_PURCHo LAST_PRO D_SO LDo LAST_PURCH_DTo LAST_SALE_DTo LAST_YR_VALUEo SUB_VALUE_1o SUB_VALUE_2o SUB_VALUE_3o SUB_VALUE_4o LO AN_VALUEo SHARE_VALUEo NO _SHARESo M ATURI TY_DTo FUND_NOo FUND_TYPEo I RA_YNo DI V_I NT_DTo DI V_I NT_FREQo DI V_I NT_O PTI O No I NC_CAP_G AI N_CURRo I NC_CAP_G AI N_YTDo I NC_DI V_CURRo I NC_DI V_YTDo I NC_I NT_CURRo I NC_I NT_YTDo I NC_O TH_CURRo I NC_O TH_YTDo DEALER_NOo CO M M _DTo CO M M _RATEo DI SC_PCT_BO ND_TRANSo DI SC_PCT_STO CK_TRANSo FEE_CO M M _CURRo FEE_CO M M _LST_YRo FEE_CO M M _YTDo FEE_CURRo FEE_W V_CURRo FEE_YTDo FEE_M G M T_CURRo FEE_M G M T_LST_YRo FEE_M G M T_YTDo FEE_TRANS_CURRo FEE_TRANS_LST_YRo FEE_TRANS_YTDo AG REEM NT_CO RPo AG REEM NT_FI Do AG REEM NT_JO I NTo AG REEM NT_M ARG I No ACCT_O PT_CO VEREDo PLEDG EDo PO W ER_O F_ATTNYo BENEFI CI ARYo I NVESTO R_TYPEo SO URCE_CO DEo I V01Lo I V02Lo I V01F2Do I V02F3Do I V01DTo I V01Co I V02Co I V03Co I V04Co I V01T1o I V02T1o I V03T1o I V04T1o I V05T1o I V01T3o I V02T3o I V03T3o I V01T5o I V02T5o I V03T10o I V04T10o I V05T10# I DENTI TY_CO DE# I D_NUM BERo AS_O F_DATEo I DENTI TY_CO DE_CHGo RECO RD_CO UNTo G L_ACCO UNT_I Do O RG _UNI T_I Do CO M M O N_CO A_I Do I SO _CURRENCY_CD

LS# ACCT_I Do CUS_NOo ACCT_NOo CO NTR_AM To TERMo M AT_DTo RESI DUALo EQ UI P_CO STo NO _O F_ASSETSo NO _O F_DI SPO SED_ASSETSo NO _O F_I NVENTO RI ED_ASSETSo LEASE_TYPEo BRO KER_FEESo I NT_CURRo I NT_YTDo UNEARNED_I NTo I NT_RTo RATE_2o RATE_3o PM T_AM To PM T_FREQo FI RST_PM T_DTo LAST_PM T_DTo NO _PM TS_PAI Do FEE_CURRo FEE_W V_CURRo FEE_YTDo DELQ _STATUS_CO DEo TI M ES_DELQo DELQ _15o DELQ _30o DELQ _60o DELQ _90o AUTO PAY_YNo AUTO PAY_BANK_TRANS_NOo AUTO PAY_ACCT_NOo AUTO PAY_SERVo LS01Lo LS02Lo LS01F2Do LS02F3Do LS01DTo LS01Co LS02Co LS03Co LS04Co LS01T1o LS02T1o LS03T1o LS04T1o LS05T1o LS01T3o LS02T3o LS03T3o LS01T5o LS02T5o LS03T10o LS04T10o LS05T10# I DENTI TY_CO DE# I D_NUM BERo AS_O F_DATEo I DENTI TY_CO DE_CHGo RECO RD_CO UNTo G L_ACCO UNT_I Do O RG _UNI T_I Do CO M M O N_CO A_I Do I SO _CURRENCY_CD

MC# ACCT_I Do CUS_NOo ACCT_NOo EXP_DTo O W NERSHI P_TYPEo TO T_CHG S_CURRo TO T_CHG S_YTDo ACCT_CHG _CURRo ACCT_CHG _YTDo FEE_CURRo FEE_DI SC_CURRo FEE_DI SC_LST_YRo FEE_DI SC_YTDo FEE_I M PRI NT_CURRo FEE_I M PRI NT_YTDo FEE_I NTERCHG _CURRo FEE_I NTERCHG _YTDo FEE_I NTRACHG _CURRo FEE_I NTRACHG _LST_YRo FEE_I NTRACHG _YTDo FEE_I TEM _CURRo FEE_I TEM _LST_YRo FEE_I TEM _YTDo FEE_M O NETARY_CURRo FEE_M O NETARY_LST_YRo FEE_M O NETARY_YTDo FEE_AUTH_CURRo FEE_AUTH_YTDo FEE_BTCH_DEP_CURRo FEE_BTCH_DEP_YTDo FEE_CHG BKS_CURRo FEE_CHG BKS_YTDo FEE_CO RR_CURRo FEE_CO RR_YTDo FEE_FLO AT_CURRo FEE_FLO AT_YTDo FEE_O THER_CURRo FEE_O THER_YTDo FEE_RTRNS_CURRo FEE_RTRNS_YTDo FEE_TRM NLS_CURRo FEE_TRM NLS_YTDo FEE_W ARN_BULLETI N_CURRo FEE_W ARN_BULLETI N_YTDo FEE_W V_CURRo FEE_YTDo M C_M ERCHo M C_TRANS_YNo VI SA_M ERCHo VI SA_TRANS_YNo BI LLI NG _M ETHo ADVI CE_TYPEo DEP_TYPEo DI SC_RT_1o DI SC_RT_2o DI SC_RT_3o M EM BRSHP_DUES_CURRo M EM BRSHP_DUES_YTDo M ERCH_CHAI N_NOo M ERCH_SYSTEM _NOo M ERCH_CHRG _CURRo M ERCH_CHRG _LST_YRo M ERCH_CHRG _YTDo M ERCH_CLASSo NO _AUTH_CURRo NO _AUTH_LST_YRo NO _AUTH_YTDo NO _CHG BKS_CURRo NO _CHG BKS_LST_YRo NO _CHG BKS_YTDo NO _TRANS_CURRo NO _TRANS_LST_YRo NO _TRANS_YTDo NO _AUTH_BELO W _YTDo NO _BTCH_DEP_YTDo NO _CO RR_YTDo NO _TCKTS_JANo NO _TCKTS_FEBo NO _TCKTS_M ARo NO _TCKTS_APRo NO _TCKTS_M AYo NO _TCKTS_JUNo NO _TCKTS_JULo NO _TCKTS_AUGo NO _TCKTS_SEPo NO _TCKTS_O CTo NO _TCKTS_NO Vo NO _TCKTS_DECo NO _TCKTS_YTDo NO _TCKTS_DEP_YTDo SALES_NET_CURRo SALES_NET_LST_YRo SALES_NET_YTDo SALES_NET_JANo SALES_NET_FEBo SALES_NET_M ARo SALES_NET_APRo SALES_NET_M AYo SALES_NET_JUNo SALES_NET_JULo SALES_NET_AUGo SALES_NET_SEPo SALES_NET_O CTo SALES_NET_NO Vo SALES_NET_DECo SETTLM NT_ACCT_APPLo SETTLM NT_ACCT_NOo TCKT_AVG _CURRo TCKT_AVG _LST_YRo TCKT_AVG _YTDo AG ENT_BANKo AUTH_DEV_TYPEo DT_LST_ACTI VEo BNK_CO ST_AUTH_YTDo BNK_CO ST_BTCH_HDR_YTDo BNK_CO ST_CHG BKS_YTDo BNK_CO ST_CO RR_YTDo BNK_CO ST_FI XED_EXP_YTDo BNK_CO ST_FLO AT_YTDo BNK_CO ST_I M PRI NT_YTDo BNK_CO ST_I NTERCHG _YTDo BNK_CO ST_I NTERCHG _DI SCo BNK_CO ST_I NTERCHG _I NTLo BNK_CO ST_I NTERCHG _M AN_YTDo BNK_CO ST_I NTRA_YTDo BNK_CO ST_I NTRA_M AN_YTDo BNK_CO ST_M EM BRSHP_YTDo BNK_CO ST_O THER_YTDo BNK_CO ST_TAPE_YTDo BNK_CO ST_TO T_CURRo BNK_CO ST_TO T_YTDo BNK_CO ST_TRM NLS_YTDo BNK_CO ST_W ARN_BULLETI No FLO AT_DAYS_YTDo PRI N_BANKo VO L_REBATE_CURRo VO L_REBATE_YTDo M C01Lo M C02Lo M C01F2Do M C02F3Do M C01DTo M C01Co M C02Co M C03Co M C04Co M C01T1o M C02T1o M C03T1o M C04T1o M C05T1o M C01T3o M C02T3o M C03T3o M C01T5o M C02T5o M C03T10o M C04T10o M C05T10# I DENTI TY_CO DE# I D_NUM BERo AS_O F_DATEo I DENTI TY_CO DE_CHGo RECO RD_CO UNTo G L_ACCO UNT_I Do O RG _UNI T_I Do CO M M O N_CO A_I Do I SO _CURRENCY_CD

ML# ACCT_I Do CUS_NOo ACCT_NOo CO NTR_AM To TERMo I NT_RTo ARM _BASE_RATEo ARM _RATE_ADJUST_FACTO Ro ARM _NEXT_ADJUST_DTo ARM _ADJUST_FREQo ARM _BASE_RATE_CO DEo APPR_AM To APPR_DTo PRO P_TYPEo O W NER_O CCo PM T_AM To PM T_FREQo PM T_M ETHO Do M AT_DTo LAST_PM T_DTo NEXT_PM T_DTo I NT_CURRo I NT_YTDo PARTI CI PATI O N_YNo PARTI CI PATE_PERCENTo PARTI CI PATE_AM To FEE_CURRo FEE_W V_CURRo FEE_YTDo DELQ _30o DELQ _60o DELQ _90o DELQ _YTDo DELQ _LI FEo AUTO PAY_YNo AUTO PAY_BANK_TRANS_NOo AUTO PAY_ACCT_NOo AUTO PAY_SERVo I NVESTO R_NOo RI SK_RATI NGo M L01Lo M L02Lo M L01F2Do M L02F3Do M L01DTo M L01Co M L02Co M L03Co M L04Co M L01T1o M L02T1o M L03T1o M L04T1o M L05T1o M L01T3o M L02T3o M L03T3o M L01T5o M L02T5o M L03T10o M L04T10o M L05T10# I DENTI TY_CO DE# I D_NUM BERo AS_O F_DATEo I DENTI TY_CO DE_CHGo RECO RD_CO UNTo G L_ACCO UNT_I Do O RG _UNI T_I Do CO M M O N_CO A_I Do I SO _CURRENCY_CD

O D# ACCT_I Do CUS_NOo ACCT_NOo LAST_DEP_DTo LAST_DEP_AM To LAST_W D_DTo LAST_W D_AM To I NT_CURRo I NT_YTDo I NT_RTo CO M P_FREQo DEPS_CURRo DEP_AM T_CURRo W DS_CURRo W D_AM T_CURRo SERV_CHRG _CURRo SERV_CHRG _W V_CURRo SERV_CHRG _YTDo M I SC_SERV_CHRG _CURRo M I SC_SERV_CHRG _W V_CURRo M I SC_SERV_CHRG _YTDo FEE_CURRo FEE_W V_CURRo FEE_YTDo BAL_HI G H_CURRo BAL_LO W _CURRo O RI G _DEPo PARENT_ACCTo PARENT_APPLo I NVEST_AG REEM ENTo TRNSFR_AM T_M I No TRNSFR_AM T_I NCRo O D01Lo O D02Lo O D01F2Do O D02F3Do O D01DTo O D01Co O D02Co O D03Co O D04Co O D01T1o O D02T1o O D03T1o O D04T1o O D05T1o O D01T3o O D02T3o O D03T3o O D01T5o O D02T5o O D03T10o O D04T10o O D05T10# I DENTI TY_CO DE# I D_NUM BERo AS_O F_DATEo I DENTI TY_CO DE_CHGo RECO RD_CO UNTo G L_ACCO UNT_I Do O RG _UNI T_I Do CO M M O N_CO A_I Do I SO _CURRENCY_CD

O L# ACCT_I Do CUS_NOo ACCT_NOo CO NTR_AM To TERMo I NT_CURRo I NT_YTDo I NT_RTo PM T_AM To PM T_FREQo PM T_M ETHO Do M AT_DTo LAST_PM T_DTo NEXT_PM T_DTo FEE_CURRo FEE_W V_CURRo FEE_YTDo DELQ _30o DELQ _60o DELQ _90o DELQ _YTDo DELQ _LI FEo AUTO PAY_YNo AUTO PAY_BANK_TRANS_NOo AUTO PAY_ACCT_NOo AUTO PAY_SERVo DEALER_NOo RI SK_RATI NGo O L01Lo O L02Lo O L01F2Do O L02F3Do O L01DTo O L01Co O L02Co O L03Co O L04Co O L01T1o O L02T1o O L03T1o O L04T1o O L05T1o O L01T3o O L02T3o O L03T3o O L01T5o O L02T5o O L03T10o O L04T10o O L05T10# I DENTI TY_CO DE# I D_NUM BERo AS_O F_DATEo I DENTI TY_CO DE_CHGo RECO RD_CO UNTo G L_ACCO UNT_I Do O RG _UNI T_I Do CO M M O N_CO A_I Do I SO _CURRENCY_CD

O S# ACCT_I Do CUS_NOo ACCT_NOo ACH_M EDI Ao AM T_DEP_CURRo AM T_DEP_YTDo AM T_DRS_CURRo AM T_DRS_YTDo FEE_CURRo FEE_W V_CURRo FEE_YTDo LO CK_BO X_NOo NO _I TEM S_CURRo NO _I TEM S_YTDo NO _TRANS_CURRo NO _TRANS_YTDo PARENT_ACCTo PARENT_APPLo PRO C_FREQo RECEI PT_NOo SERVI CE_O PTI O No O S01Lo O S02Lo O S01F2Do O S02F3Do O S01DTo O S01Co O S02Co O S03Co O S04Co O S01T1o O S02T1o O S03T1o O S04T1o O S05T1o O S01T3o O S02T3o O S03T3o O S01T5o O S02T5o O S03T10o O S04T10o O S05T10# I DENTI TY_CO DE# I D_NUM BERo AS_O F_DATEo I DENTI TY_CO DE_CHGo RECO RD_CO UNTo G L_ACCO UNT_I Do O RG _UNI T_I Do CO M M O N_CO A_I Do I SO _CURRENCY_CD

RA# ACCT_I Do CUS_NOo ACCT_NOo PLAN_CO DEo PLAN_DESCo I RA_YNo I RA_TYPEo I RA_TYPE_CO DEo SELF_DI RECTED_YNo LAST_DEP_DTo LAST_DEP_AM To LAST_W D_DTo LAST_W D_AM To CURR_YR_DEP_AM To PREV_YR_DEP_AM To M AT_DTo TERMo I NT_CURRo I NT_YTDo I NT_RTo CO M P_FREQo I NT_PM T_M ETHO Do FUNDI NG _STATo DI SB_M ETHO Do DI SB_ACCT_TYPEo DI SB_ACCTo PO TENTI AL_DI SB_DTo M ANDATO RY_DI SB_DTo FUNDI NG _TYPEo BENEFI CI ARYo I NVESTM ENTo BAL_HI G H_CURRo BAL_LO W _CURRo O RI G _AM To AUTO _RENEW _YNo LAST_RENEW _DTo SERV_CHRG _CURRo SERV_CHRG _YTDo FEE_CURRo FEE_W V_CURRo FEE_YTDo RA01Lo RA02Lo RA01F2Do RA02F3Do RA01DTo RA01Co RA02Co RA03Co RA04Co RA01T1o RA02T1o RA03T1o RA04T1o RA05T1o RA01T3o RA02T3o RA03T3o RA01T5o RA02T5o RA03T10o RA04T10o RA05T10# I DENTI TY_CO DE# I D_NUM BERo AS_O F_DATEo I DENTI TY_CO DE_CHGo RECO RD_CO UNTo G L_ACCO UNT_I Do O RG _UNI T_I Do CO M M O N_CO A_I Do I SO _CURRENCY_CD

SD# ACCT_I Do CUS_NOo ACCT_NOo BO X_NOo BO X_RATEo RENEW AL_DTo LAST_PM T_DTo EXCEPTI O N_CO DEo PM T_M ETHO Do FEE_CURRo FEE_W V_CURRo FEE_YTDo SD01Lo SD02Lo SD01F2Do SD02F3Do SD01DTo SD01Co SD02Co SD03Co SD04Co SD01T1o SD02T1o SD03T1o SD04T1o SD05T1o SD01T3o SD02T3o SD03T3o SD01T5o SD02T5o SD03T10o SD04T10o SD05T10# I DENTI TY_CO DE# I D_NUM BERo AS_O F_DATEo I DENTI TY_CO DE_CHGo RECO RD_CO UNTo G L_ACCO UNT_I Do O RG _UNI T_I Do CO M M O N_CO A_I Do I SO _CURRENCY_CD

SV# ACCT_I Do CUS_NOo ACCT_NOo LAST_DEP_DTo LAST_DEP_AM To LAST_W D_DTo LAST_W D_AM To I NT_CURRo I NT_YTDo I NT_RTo I NT_PM T_M ETHO Do DI RECT_DEP_ACCT_TYPEo DI RECT_DEP_ACCT_NOo CO M P_FREQo I RA_YNo I RA_FUNDI NG _STATUSo DEPS_CURRo DEP_AM T_CURRo W DS_CURRo W D_AM T_CURRo ATM _YNo ATM _CRS_CURRo ATM _CRS_YTDo ATM _DRS_CURRo ATM _DRS_YTDo PO S_DRS_CURRo PO S_DRS_YTDo SERV_CHRG _CURRo SERV_CHRG _W V_CURRo SERV_CHG _YTDo M I SC_SERV_CHRG _CURRo M I SC_SERV_CHRG _W V_CURRo M I SC_SERV_CHRG _YTDo FEE_CURRo FEE_W V_CURRo FEE_YTDo BAL_HI G H_CURRo BAL_LO W _CURRo O RI G _DEPo SO URCE_CO DEo SV01Lo SV02Lo SV01F2Do SV02F3Do SV01DTo SV01Co SV02Co SV03Co SV04Co SV01T1o SV02T1o SV03T1o SV04T1o SV05T1o SV01T3o SV02T3o SV03T3o SV01T5o SV02T5o SV03T10o SV04T10o SV05T10o I NT1_CURRo I NT2_CURRo I NT3_CURRo I NT4_CURRo I NT5_CURRo I NT6_CURRo I NT1_YTDo I NT2_YTDo I NT3_YTDo I NT4_YTDo I NT5_YTDo I NT6_YTD# I DENTI TY_CO DE# I D_NUM BERo AS_O F_DATEo I DENTI TY_CO DE_CHGo RECO RD_CO UNTo G L_ACCO UNT_I Do O RG _UNI T_I Do CO M M O N_CO A_I Do I SO _CURRENCY_CD

TR# ACCT_I Do CUS_NOo ACCT_NOo REL_TYPEo SUBPO RT_NOo APPL_DTo ADM I NI STRATO Ro BENEFI CI ARYo CURR_PO RT_VALo BAL_CURR_BO NDSo BAL_CURR_STO CKo BAL_CURR_FUNDSo BAL_CURR_O THERo I NC_CAP_G AI N_CURRo I NC_CAP_G AI N_YTDo I NC_DI V_CURRo I NC_DI V_YTDo I NC_I NT_CURRo I NC_I NT_YTDo I NC_O TH_CURRo I NC_O TH_YTDo FEE_CO M M _CURRo FEE_CO M M _LST_YRo FEE_CO M M _YTDo FEE_CURRo FEE_W V_CURRo FEE_YTDo FEE_M G M T_CURRo FEE_M G M T_LST_YRo FEE_M G M T_YTDo FEE_TRANS_CURRo FEE_TRANS_LST_YRo FEE_TRANS_YTDo DI SC_PCT_BO ND_TRANSo DI SC_PCT_STO CK_TRANSo I RA_YNo LAST_YR_VALUEo LO AN_VALUEo M AT_DTo PLEDG ED_YNo PO W ER_O F_ATTNY_YNo REVO CABLE_YNo SUB_VALUE_1o SUB_VALUE_2o SUB_VALUE_3o SUB_VALUE_4o TR01Lo TR02Lo TR01F2Do TR02F3Do TR01DTo TR01Co TR02Co TR03Co TR04Co TR01T1o TR02T1o TR03T1o TR04T1o TR05T1o TR01T3o TR02T3o TR03T3o TR01T5o TR02T5o TR03T10o TR04T10o TR05T10# I DENTI TY_CO DE# I D_NUM BERo AS_O F_DATEo I DENTI TY_CO DE_CHGo RECO RD_CO UNTo G L_ACCO UNT_I Do O RG _UNI T_I Do CO M M O N_CO A_I Do I SO _CURRENCY_CD

ED_BUS_NAME# CUS_KEYo ED_NAM Eo ED_CO NTACT_NAM E

ED_I ND_NAME# CUS_KEYo PREFI Xo FNAMo M I DDLEo LNAMo SUFFI Xo SAL_1o SAL_2o SAL_3

RELATE# ACCT_I D# CUS_NO* REL_TYPEo O RI G _CUS_KEYo O W NER_TYPEo REL01DTo REL01T1o REL02T1o REL01T5o REL02T5o REL01T10o REL02T10

TERM_DEPO SI TS# I DENTI TY_CO DE# I D_NUM BER* G L_ACCO UNT_I D* O RG _UNI T_I D* CO M M O N_CO A_I D* AS_O F_DATE* I SO _CURRENCY_CDo I DENTI TY_CO DE_CHGo ACCO UNT_O FFI CERo ACCO UNT_O PEN_DATEo ACCRUAL_BASI S_CDo ADJUSTABLE_TYPE_CDo AM RT_TERMo AM RT_TERM _M ULTo AM RT_TYPE_CDo AVG _BO O K_BALo AVG _CO LLECT_BALo AVG _NET_BO O K_BAL_Co BANK_CO DEo BRANCH_CO DEo CO M PO UND_BASI S_CDo CUR_BO O K_BALo CUR_G RO SS_RATEo CUR_NET_BO O K_BAL_Co CUR_NET_PAR_BAL_Co CUR_NET_RATEo CUR_O ASo CUR_O VERDRAFT_BALo CUR_PAR_BALo CUR_PAYM ENTo CUR_STATI C_SPREADo CUR_TP_PER_ADBo CUR_YI ELDo DATA_SO URCEo DEFERRED_CUR_BALo DEFERRED_O RG _BAL* EM BEDDED_O PTI O NS_FLGo G EO G RAPHI C_LO C_CDo HEDG E_PO RTFO LI O _SETo HI STO RI C_O ASo HI STO RI C_STATI C_SPREADo I NSTRUM ENT_TYPE_CDo I NT_TYPE* I NTEREST_RATE_CDo I SSUE_DATEo LAST_PAYM ENT_DATEo LAST_REPRI CE_DATEo LAST_UPDATE_DATE_Co LRD_BALANCEo M ARG I No M ARG I N_G RO SSo M ARG I N_T_RATEo M ARKET_SEG M ENT_CDo M ARKET_VALUE_Co M ATCHED_SPREAD_Co M ATURI TY_DATEo NEG _AM RT_AM To NEG _AM RT_EQ _DATEo NEG _AM RT_EQ _FREQo NEG _AM RT_EQ _M ULTo NEG _AM RT_LI M I To NET_M ARG I N_CDo NEXT_PAYM ENT_DATEo NEXT_REPRI CE_DATEo O D_CUR_DAYSo O D_LI FE_TI M ESo O D_PRO TECTI O N_CDo O D_YEAR_TI M ESo O RG _BO O K_BALo O RG _M ARKET_VALUEo O RG _NET_BO O K_BAL_Co O RG _NET_PAR_BAL_Co O RG _PAR_BALo O RG _PAYM ENT_AM To O RG _RATEo O RG _TERMo O RG _TERM _M ULT* O RI G I NATI O N_DATEo PERCENT_SO LDo PM T_ADJUST_DATEo PM T_CHG _FREQo PM T_CHG _FREQ _M ULTo PM T_DECR_CYCLEo PM T_DECR_LI FEo PM T_FREQo PM T_FREQ _M ULTo PM T_I NCR_CYCLEo PM T_I NCR_LI FEo PRI O R_TP_PER_ADBo PRO DUCT_TYPE_CDo RATE_CAP_LI FEo RATE_CHG _M I No RATE_CHG _RND_CDo RATE_CHG _RND_FACo RATE_DECR_CYCLEo RATE_DECR_YEARo RATE_FLO O R_LI FEo RATE_I NCR_CYCLEo RATE_I NCR_YEARo RATE_SET_LAGo RATE_SET_LAG _M ULTo RECO RD_CO UNTo REM AI N_NO _PM TS_Co REM AI N_TERM _Co REM AI N_TERM _M ULT_Co REPRI CE_FREQo REPRI CE_FREQ _M ULTo REQ _VS_CO LL_BAL_Co REQ UI RED_BALo RO LL_FACI LI TY_CDo SI C_CDo T_RATE_I NT_RATE_CDo TAX_EXEM PT_PCTo TEASER_END_DATEo TRAN_RATE_REM _TERMo TRANSFER_RATE

DEPO SI TS# I DENTI TY_CO DE# I D_NUM BER* G L_ACCO UNT_I D* O RG _UNI T_I D* CO M M O N_CO A_I D* AS_O F_DATE* I SO _CURRENCY_CDo I DENTI TY_CO DE_CHGo ACCO UNT_O PEN_DATEo ACCO UNT_O FFI CERo ACCRUAL_BASI S_CDo ADJUSTABLE_TYPE_CDo AVG _BO O K_BALo AVG _CO LLECT_BALo AVG _NET_BO O K_BAL_Co BANK_CO DEo BRANCH_CO DEo CO M PO UND_BASI S_CDo CUR_BO O K_BALo CUR_G RO SS_RATEo CUR_NET_BO O K_BAL_Co CUR_NET_PAR_BAL_Co CUR_NET_RATEo CUR_O ASo CUR_O VERDRAFT_BALo CUR_PAR_BALo CUR_STATI C_SPREADo CUR_TP_PER_ADBo CUR_YI ELDo DATA_SO URCEo DEFERRED_O RG _BAL* EM BEDDED_O PTI O NS_FLGo G EO G RAPHI C_LO C_CDo HEDG E_PO RTFO LI O _SETo HI STO RI C_O ASo HI STO RI C_STATI C_SPREADo I NSTRUM ENT_TYPE_CD* I NTEREST_RATE_CDo LAST_REPRI CE_DATEo LAST_UPDATE_DATE_Co M ARG I No M ARG I N_G RO SSo M ARG I N_T_RATEo M ARKET_SEG M ENT_CDo M ARKET_VALUE_Co M ATCHED_SPREAD_Co M ATURI TY_DATEo NEG _AM RT_AM To NEG _AM RT_EQ _DATEo NEG _AM RT_EQ _FREQo NEG _AM RT_EQ _M ULTo NEG _AM RT_LI M I To NET_M ARG I N_CDo NEXT_PAYM ENT_DATEo NEXT_REPRI CE_DATEo O D_CUR_DAYSo O D_LI FE_TI M ESo O D_PRO TECTI O N_CDo O D_YEAR_TI M ESo O RG _BO O K_BALo O RG _M ARKET_VALUEo O RG _NET_BO O K_BAL_Co O RG _NET_PAR_BAL_Co O RG _PAR_BALo O RG _RATE* O RI G I NATI O N_DATEo PERCENT_SO LDo PM T_ADJUST_DATEo PM T_CHG _FREQo PM T_CHG _FREQ _M ULTo PM T_DECR_CYCLEo PM T_DECR_LI FEo PM T_FREQo PM T_FREQ _M ULTo PM T_I NCR_CYCLEo PM T_I NCR_LI FEo PRI O R_TP_PER_ADBo PRO DUCT_TYPE_CDo RATE_CAP_LI FEo RATE_CHG _M I No RATE_CHG _RND_CDo RATE_CHG _RND_FACo RATE_DECR_YEARo RATE_FLO O R_LI FEo RATE_I NCR_YEARo RECO RD_CO UNTo REM AI N_TERM _Co REM AI N_TERM _M ULT_Co REPRI CE_FREQo REPRI CE_FREQ _M ULTo REQ UI RED_BALo REQ _VS_CO LL_BAL_Co RO LL_FACI LI TY_CDo SI C_CDo T_RATE_I NT_RATE_CDo TAX_EXEM PT_PCTo TEASER_END_DATEo TRAN_RATE_REM _TERMo TRANSFER_RATE

CREDI T_CARDS# I DENTI TY_CO DE# I D_NUM BER* G L_ACCO UNT_I D* O RG _UNI T_I D* CO M M O N_CO A_I D* AS_O F_DATE* I SO _CURRENCY_CDo I DENTI TY_CO DE_CHGo ACCO UNT_AG E_Co ACCO UNT_AG E_M ULT_Co ACCO UNT_O FFI CERo ACCRUAL_BASI S_CDo ADJUSTABLE_TYPE_CDo AVG _BO O K_BALo AVG _NET_BO O K_BAL_Co BANK_CO DEo BRANCH_CO DEo CASH_BALANCEo CASH_RATEo CO M PO UND_BASI S_CDo CREDI T_SCO REo CREDI T_STATUS_CDo CUR_BO O K_BALo CUR_CREDI T_LI M I To CUR_G RO SS_RATEo CUR_NET_BO O K_BAL_Co CUR_NET_PAR_BAL_Co CUR_NET_RATEo CUR_O ASo CUR_PAR_BALo CUR_PAYM ENTo CUR_STATI C_SPREADo CUR_YI ELDo CYCLE_DAY_O F_M O NTHo DATA_SO URCEo DEFERRED_O RG _BALo DEL_CUR_DAYSo DEL_LI FE_TI M ESo DEL_YEAR_TI M ES* EM BEDDED_O PTI O NS_FLGo FEE_CHARG E_DATEo FI NANCE_CHARG E_BALo G EO G RAPHI C_LO C_CDo HEDG E_PO RTFO LI O _SETo HI STO RI C_O ASo HI STO RI C_STATI C_SPREADo I NSTRUM ENT_TYPE_CD* I NTEREST_RATE_CDo I NVESTO R_NBRo LARG EST_O UTST_BALo LAST_REPRI CE_DATEo LAST_UPDATE_DATE_Co LI M I T_USE_RATI O _Co M ARG I No M ARKET_SEG M ENT_CDo M ARKET_VALUE_Co M ATCHED_SPREAD_Co M ATURI TY_DATEo M ERCHANDI SE_BALo M ERCHANDI SE_RATEo NEG _AM RT_AM To NEG _AM RT_EQ _DATEo NEG _AM RT_EQ _FREQo NEG _AM RT_EQ _M ULTo NEG _AM RT_LI M I To NEXT_PAYM ENT_DATEo NEXT_REPRI CE_DATEo O RG _BO O K_BALo O RG _M ARKET_VALUEo O RG _NET_BO O K_BAL_Co O RG _NET_PAR_BAL_Co O RG _PAR_BALo O RG _RATE* O RI G I NATI O N_DATEo O VER_LI M I T_BALo O VER_LI M I T_LF_TI M Eo PERCENT_SO LDo PM T_ADJUST_DATEo PM T_CHG _FREQo PM T_CHG _FREQ _M ULTo PM T_DECR_CYCLEo PM T_DECR_LI FEo PM T_FREQo PM T_FREQ _M ULTo PM T_I NCR_CYCLEo PM T_I NCR_LI FEo PRO DUCT_TYPE_CDo RATE_CAP_LI FEo RATE_CHG _M I No RATE_CHG _RND_CDo RATE_CHG _RND_FACo RATE_DECR_YEARo RATE_FLO O R_LI FEo RATE_I NCR_YEARo RECO RD_CO UNTo REM AI N_TERM _Co REM AI N_TERM _M ULT_Co REPRI CE_FREQo REPRI CE_FREQ _M ULTo SERVI CI NG _AG ENT_CDo SO LI CI T_SO URCE_CDo TAX_EXEM PT_PCTo TEASER_END_DATEo TRAN_RATE_REM _TERMo TRANSFER_RATEo NET_M ARG I N_CDo M ARG I N_G RO SSo M ARG I N_T_RATEo T_RATE_I NT_RATE_CDo CUR_TP_PER_ADBo PRI O R_TP_PER_ADB

CO NSUMER_LO AN# I DENTI TY_CO DE# I D_NUM BER* G L_ACCO UNT_I D* O RG _UNI T_I D* CO M M O N_CO A_I D* AS_O F_DATE* I SO _CURRENCY_CDo I DENTI TY_CO DE_CHGo ACCRUAL_BASI S_CDo ACCO UNT_O FFI CERo ADJUSTABLE_TYPE_CDo AM RT_TERMo AM RT_TERM _M ULTo AM RT_TYPE_CDo AVG _BO O K_BALo AVG _NET_BO O K_BAL_Co BANK_CO DEo BRANCH_CO DEo CO LLATERAL_CDo CREDI T_SCO REo CREDI T_STATUS_CDo CUR_BO O K_BALo CUR_G RO SS_RATEo CUR_NET_BO O K_BAL_Co CUR_NET_PAR_BAL_Co CUR_NET_RATEo CUR_O ASo CUR_PAR_BALo CUR_PAYM ENTo CUR_STATI C_SPREADo CUR_YI ELDo DATA_SO URCEo DEALER_NBRo DEALER_RES_O RGo DEALER_RES_UNEARNo DEFERRED_CUR_BALo DEFERRED_O RG _BALo DEL_CUR_DAYSo DEL_LI FE_TI M ESo DEL_YEAR_TI M ESo DI RECT_I ND_CD* EM BEDDED_O PTI O NS_FLGo EXI ST_BO RRO W ER_CDo EXPECTED_G RAD_DATEo FI RST_DI SBURS_DATEo G EO G RAPHI C_LO C_CDo HEDG E_PO RTFO LI O _SETo HI STO RI C_O ASo HI STO RI C_STATI C_SPREADo I NI TI AL_DI RCT_CO STo I NSTRUM ENT_TYPE_CD* I NTEREST_RATE_CDo I NVESTO R_NBRo I SSUE_DATEo LAST_REPRI CE_DATEo LAST_UPDATE_DATE_Co LO AN_APPRO VE_DATEo M ARG I No M ARKET_SEG M ENT_CDo M ARKET_VALUE_Co M ATCHED_SPREAD_Co M ATURI TY_DATEo NEG _AM RT_AM To NEG _AM RT_EQ _DATEo NEG _AM RT_EQ _FREQo NEG _AM RT_EQ _M ULTo NEG _AM RT_LI M I To NEXT_PAYM ENT_DATEo NEXT_REPRI CE_DATEo O RG _BO O K_BALo O RG _I NTEREST_AM To O RG _LO AN_TO _VALUEo O RG _M ARKET_VALUEo O RG _NET_BO O K_BAL_Co O RG _NET_PAR_BAL_Co O RG _PAR_BALo O RG _RATEo O RG _TERMo O RG _TERM _M ULT* O RI G I NATI O N_DATEo PERCENT_SO LDo PLEDG ED_STATUS_CDo PM T_ADJUST_DATEo PM T_CHG _FREQo PM T_CHG _FREQ _M ULTo PM T_DECR_CYCLEo PM T_DECR_LI FEo PM T_FREQo PM T_FREQ _M ULTo PM T_I NCR_CYCLEo PM T_I NCR_LI FEo PM T_TYPE_CDo PRO DUCT_TYPE_CDo PURPO SE_CDo RATE_CAP_LI FEo RATE_CHG _M I No RATE_CHG _RND_CDo RATE_CHG _RND_FACo RATE_DECR_CYCLEo RATE_DECR_YEARo RATE_FLO O R_LI FEo RATE_I NCR_CYCLEo RATE_I NCR_YEARo RATE_SET_LAGo RATE_SET_LAG _M ULTo RECO RD_CO UNTo REM AI N_NO _PM TS_Co REM AI N_TERM _Co REM AI N_TERM _M ULT_Co REPRI CE_FREQo REPRI CE_FREQ _M ULTo RESI DUAL_AM O UNTo SCHO O L_I D_CDo TAX_EXEM PT_PCTo TO TAL_FEES_AT_O RGo TEASER_END_DATEo TRAN_RATE_REM _TERMo TRANSFER_RATEo O RG _PAYM ENT_AM To NET_M ARG I N_CDo M ARG I N_G RO SSo M ARG I N_T_RATEo T_RATE_I NT_RATE_CDo CUR_TP_PER_ADBo PRI O R_TP_PER_ADBo LAST_PAYM ENT_DATEo I NT_TYPEo CO M PO UND_BASI S_CDo LRD_BALANCE

CO MMERCI AL_LO AN# I DENTI TY_CO DE# I D_NUM BER* G L_ACCO UNT_I D* O RG _UNI T_I D* CO M M O N_CO A_I D* AS_O F_DATE* I SO _CURRENCY_CDo I DENTI TY_CO DE_CHGo ACCRUAL_BASI S_CDo ACCO UNT_O FFI CERo ADJUSTABLE_TYPE_CDo AM RT_TERMo AM RT_TERM _M ULTo AM RT_TYPE_CDo AVG _BO O K_BALo AVG _NET_BO O K_BAL_Co BANK_CO DEo BRANCH_CO DEo CO LLATERAL_CDo CO M M I TM ENT_BALo CO M M I TM ENT_TYPE_CDo CO M M I T_UTI L_PCT_Co CREDI T_RATI NG _CDo CREDI T_STATUS_CDo CUR_BO O K_BALo CUR_G RO SS_RATEo CUR_NET_BO O K_BAL_Co CUR_NET_PAR_BAL_Co CUR_NET_RATEo CUR_O ASo CUR_PAR_BALo CUR_PAYM ENTo CUR_STATI C_SPREADo CUR_YI ELDo DATA_SO URCEo DEFERRED_CUR_BALo DEFERRED_O RG _BALo DEL_CUR_DAYSo DEL_LI FE_TI M ESo DEL_YEAR_TI M ESo DI ST_FR_LI FE_CAP_C* EM BEDDED_O PTI O NS_FLGo G EO G RAPHI C_LO C_CDo HEDG E_PO RTFO LI O _SETo HI STO RI C_O ASo HI STO RI C_STATI C_SPREADo I NSTRUM ENT_TYPE_CD* I NTEREST_RATE_CDo I SSUE_DATEo LAST_REPRI CE_DATEo LAST_UPDATE_DATE_Co M ARG I No M ARKET_SEG M ENT_CDo M ARKET_VALUE_Co M ATCHED_SPREAD_Co M ATURI TY_DATEo NEG _AM RT_AM To NEG _AM RT_EQ _DATEo NEG _AM RT_EQ _FREQo NEG _AM RT_EQ _M ULTo NEG _AM RT_LI M I To NEXT_PAYM ENT_DATEo NEXT_REPRI CE_DATEo O RG _BO O K_BALo O RG _LO AN_TO _VALUEo O RG _M ARKET_VALUEo O RG _NET_BO O K_BAL_Co O RG _NET_PAR_BAL_Co O RG _PAR_BALo O RG _PAYM ENT_AM To O RG _RATEo O RG _TERMo O RG _TERM _M ULT* O RI G I NATI O N_DATEo PERCENT_SO LDo PLEDG ED_STATUS_CDo PM T_ADJUST_DATEo PM T_CHG _FREQo PM T_CHG _FREQ _M ULTo PM T_DECR_CYCLEo PM T_DECR_LI FEo PM T_FREQo PM T_FREQ _M ULTo PM T_I NCR_CYCLEo PM T_I NCR_LI FEo PRO DUCT_TYPE_CDo PURPO SE_CDo RATE_CAP_LI FEo RATE_CHG _M I No RATE_CHG _RND_CDo RATE_CHG _RND_FACo RATE_DECR_CYCLEo RATE_DECR_YEARo RATE_FLO O R_LI FEo RATE_I NCR_CYCLEo RATE_I NCR_YEARo RATE_SET_LAGo RATE_SET_LAG _M ULTo RECO RD_CO UNTo REM AI N_NO _PM TS_Co REM AI N_TERM _Co REM AI N_TERM _M ULT_Co REPRI CE_FREQo REPRI CE_FREQ _M ULTo SI C_CDo TAX_EXEM PT_PCTo TEASER_END_DATEo TRAN_RATE_REM _TERMo TRANSFER_RATEo NET_M ARG I N_CDo M ARG I N_G RO SSo M ARG I N_T_RATEo T_RATE_I NT_RATE_CDo CUR_TP_PER_ADBo PRI O R_TP_PER_ADBo LAST_PAYM ENT_DATEo I NT_TYPEo CO M PO UND_BASI S_CDo LRD_BALANCE

WHO LESALE_FUNDI NG# I DENTI TY_CO DE# I D_NUM BER* G L_ACCO UNT_I D* O RG _UNI T_I D* CO M M O N_CO A_I D* AS_O F_DATE* I SO _CURRENCY_CDo I DENTI TY_CO DE_CHGo ACCO UNT_NBRo ACCO UNT_O FFI CERo ACCRUAL_BASI S_CDo ADJUSTABLE_TYPE_CDo AM RT_TYPE_CDo AM RT_TERMo AM RT_TERM _M ULTo AVG _BO O K_BALo AVG _NET_BO O K_BAL_Co BACKUP_LI Q UI D_CO STo BANK_CO DEo BRANCH_CO DEo CALL_O PTI O N_DATEo CALL_PRI CEo CUR_BO O K_BALo CUR_G RO SS_RATEo CUR_NET_BO O K_BAL_Co CUR_NET_PAR_BAL_Co CUR_NET_RATEo CUR_O ASo CUR_PAR_BALo CUR_PAYM ENTo CUR_STATI C_SPREADo CUR_YI ELDo CUSI P_NUM BERo CUSTO M ER_NAM Eo CUSTO M ER_NBRo DATA_SO URCEo DEFERRED_CUR_BALo DEFERRED_O RG _BALo DI ST_FR_LI FE_CAP_C* EM BEDDED_O PTI O NS_FLGo G EO G RAPHI C_LO C_CDo HEDG E_PO RTFO LI O _SETo HI STO RI C_O ASo HI STO RI C_STATI C_SPREADo I NSTRUM ENT_TYPE_CD* I NTEREST_RATE_CDo I SSUE_DATEo LAST_REPRI CE_DATEo LAST_UPDATE_DATE_Co M ARG I No M ARKET_SEG M ENT_CDo M ARKET_VALUE_Co M ATCHED_SPREAD_Co M ATURI TY_DATEo NEG _AM RT_AM To NEG _AM RT_EQ _DATEo NEG _AM RT_EQ _FREQo NEG _AM RT_EQ _M ULTo NEG _AM RT_LI M I To NEXT_PAYM ENT_DATEo NEXT_REPRI CE_DATEo O RG _BO O K_BALo O RG _M ARKET_VALUEo O RG _NET_BO O K_BAL_Co O RG _NET_PAR_BAL_Co O RG _PAR_BALo O RG _PAYM ENT_DATEo O RG _RATEo O RG _TERMo O RG _TERM _M ULT* O RI G I NATI O N_DATEo PERCENT_SO LDo PM T_ADJUST_DATEo PM T_CHG _FREQo PM T_CHG _FREQ _M ULTo PM T_DECR_CYCLEo PM T_DECR_LI FEo PM T_FREQo PM T_FREQ _M ULTo PM T_I NCR_CYCLEo PM T_I NCR_LI FEo PM T_TYPE_CDo PRO DUCT_TYPE_CDo PUT_CALL_CDo PUT_EXPI RE_DATEo PUT_O PTI O N_DATEo PUT_O PTI O N_M ULT_Co PUT_O PTI O N_TERM _Co RATE_CAP_LI FEo RATE_CHG _M I No RATE_CHG _RND_CDo RATE_CHG _RND_FACo RATE_DECR_CYCLEo RATE_DECR_YEARo RATE_FLO O R_LI FEo RATE_I NCR_CYCLEo RATE_I NCR_YEARo RATE_SET_LAGo RATE_SET_LAG _M ULTo RECO RD_CO UNTo REM AI N_NO _PM TS_Co REM AI N_TERM _Co REM AI N_TERM _M ULT_Co REPRI CE_FREQo REPRI CE_FREQ _M ULTo SETTLEM ENT_DATEo TAX_EXEM PT_PCTo TRANSACTI O N_NBRo TEASER_END_DATEo TRAN_RATE_REM _TERMo TRANSFER_RATEo O RG _PAYM ENT_AM To NET_M ARG I N_CDo M ARG I N_G RO SSo M ARG I N_T_RATEo T_RATE_I NT_RATE_CDo CUR_TP_PER_ADBo PRI O R_TP_PER_ADBo LAST_PAYM ENT_DATEo I NT_TYPEo CO M PO UND_BASI S_CDo LRD_BALANCE

MO RTG AG ES# I DENTI TY_CO DE# I D_NUM BER* G L_ACCO UNT_I D* O RG _UNI T_I D* CO M M O N_CO A_I D* AS_O F_DATE* I SO _CURRENCY_CDo I DENTI TY_CO DE_CHGo ACCRUAL_BASI S_CDo ACCO UNT_O FFI CERo ADJUSTABLE_TYPE_CDo AM RT_TERMo AM RT_TERM _M ULTo AM RT_TYPE_CDo AVG _BO O K_BALo AVG _NET_BO O K_BAL_Co BANK_CO DEo BRANCH_CO DEo CO M M I TM ENT_NBRo CREDI T_STATUS_CDo CUR_BO O K_BALo CUR_G RO SS_RATEo CUR_LO AN_TO _VALUEo CUR_NET_BO O K_BAL_Co CUR_NET_PAR_BAL_Co CUR_NET_RATEo CUR_O ASo CUR_PAR_BALo CUR_PAYM ENTo CUR_STATI C_SPREADo CUR_YI ELDo DATA_SO URCEo DEFERRED_CUR_BALo DEFERRED_O RG _BALo DEL_CUR_DAYSo DEL_LI FE_TI M ESo DEL_YEAR_TI M ESo DI ST_FR_LI FE_CAP_C* EM BEDDED_O PTI O NS_FLGo G EO G RAPHI C_LO C_CDo HEDG E_PO RTFO LI O _SETo HI STO RI C_O ASo HI STO RI C_STATI C_SPREADo I NSTRUM ENT_TYPE_CD* I NTEREST_RATE_CDo I NVESTO R_NBRo I SSUE_DATEo LAST_REPRI CE_DATEo LAST_UPDATE_DATE_Co LI EN_PO SI TI O N_CDo M ARG I No M ARKET_VALUE_Co M ATCHED_SPREAD_Co M ATURI TY_DATEo NEG _AM RT_AM To NEG _AM RT_EQ _DATEo NEG _AM RT_EQ _FREQo NEG _AM RT_EQ _M ULTo NEG _AM RT_LI M I To NEXT_PAYM ENT_DATEo NEXT_REPRI CE_DATEo O CCUPANCY_CDo O RG _BO O K_BALo O RG _LO AN_TO _VALUEo O RG _M ARKET_VALUEo O RG _NET_BO O K_BAL_Co O RG _NET_PAR_BAL_Co O RG _PAR_BALo O RG _PAYM ENT_AM To O RG _RATEo O RG _TERMo O RG _TERM _M ULT* O RI G I NATI O N_DATEo PERCENT_SO LDo PLEDG ED_STATUS_CDo PM T_ADJUST_DATEo PM T_CHG _FREQo PM T_CHG _FREQ _M ULTo PM T_DECR_CYCLEo PM T_DECR_LI FEo PM T_FREQo PM T_FREQ _M ULTo PM T_I NCR_CYCLEo PM T_I NCR_LI FEo PM T_TYPE_CDo PRO DUCT_TYPE_CDo PRO PERTY_TYPE_CDo PRO PERTY_ZI P_CO DEo PURPO SE_CDo RATE_CAP_LI FEo RATE_CHG _M I No RATE_CHG _RND_CDo RATE_CHG _RND_FACo RATE_DECR_CYCLEo RATE_DECR_YEARo RATE_FLO O R_LI FEo RATE_I NCR_CYCLEo RATE_I NCR_YEARo RATE_SET_LAGo RATE_SET_LAG _M ULTo RECO RD_CO UNTo REM AI N_NO _PM TS_Co REM AI N_TERM _Co REM AI N_TERM _M ULT_Co REPRI CE_FREQo REPRI CE_FREQ _M ULTo TAX_EXEM PT_PCTo TEASER_END_DATEo TRAN_RATE_REM _TERMo TRANSFER_RATEo NET_M ARG I N_CDo M ARG I N_G RO SSo M ARG I N_T_RATEo T_RATE_I NT_RATE_CDo CUR_TP_PER_ADBo PRI O R_TP_PER_ADBo LAST_PAYM ENT_DATEo I NT_TYPEo CO M PO UND_BASI S_CDo LRD_BALANCE

MO RTG AG E_BACK_SEC# I DENTI TY_CO DE# I D_NUM BER* G L_ACCO UNT_I D* O RG _UNI T_I D* CO M M O N_CO A_I D* AS_O F_DATE* I SO _CURRENCY_CDo I DENTI TY_CO DE_CHGo ACCO UNT_NBRo ACCO UNT_O FFI CERo ACCRUAL_BASI S_CDo ADJUSTABLE_TYPE_CDo AG ENCY_CDo AM RT_TYPE_CDo AM RT_TERMo AM RT_TERM _M ULTo AVG _BO O K_BALo AVG _NET_BO O K_BAL_Co BANK_CO DEo BRANCH_CO DEo CO M PO UND_BASI S_CDo CM O _TRANCHE_CDo CO LLATERAL_CDo CREDI T_RATI NG _CDo CUR_BO O K_BALo CUR_G RO SS_RATEo CUR_NET_BO O K_BAL_Co CUR_NET_PAR_BAL_Co CUR_NET_RATEo CUR_O ASo CUR_PAR_BALo CUR_PAYM ENTo CUR_STATI C_SPREADo CUR_YI ELDo CUSI P_NUM BERo DATA_SO URCEo DEFERRED_CUR_BALo DEFERRED_O RG _BALo DI ST_FR_LI FE_CAP_C* EM BEDDED_O PTI O NS_FLGo G EO G RAPHI C_LO C_CDo HEDG E_PO RTFO LI O _SETo HELD_FO R_SALE_CDo HI STO RI C_O ASo HI STO RI C_STATI C_SPREADo I NSTRUM ENT_TYPE_CD* I NTEREST_RATE_CDo I SSUER_CDo I SSUE_DATEo LAST_REPRI CE_DATEo LAST_UPDATE_DATE_Co LI Q UI DI TY_CLASS_CDo M ARG I No M ARKET_PRI CEo M ARKET_VALUE_Co M ATCHED_SPREAD_Co M ATURI TY_DATEo M KT_VS_BO O K_BAL_Co NEG _AM RT_AM To NEG _AM RT_EQ _DATEo NEG _AM RT_EQ _FREQo NEG _AM RT_EQ _M ULTo NEG _AM RT_LI M I To NEXT_PAYM ENT_DATEo NEXT_REPRI CE_DATEo O RG _BO O K_BALo O RG _M ARKET_VALUEo O RG _NET_BO O K_BAL_Co O RG _NET_PAR_BAL_Co O RG _PAYM ENT_AM To O RG _PAR_BALo O RG _RATEo O RG _TERMo O RG _TERM _M ULTo O RG _W AM _TERMo O RG _W AM _TERM _M ULT* O RI G I NATI O N_DATEo PERCENT_SO LDo PLEDG ED_STATUS_CDo PM T_ADJUST_DATEo PM T_CHG _FREQo PM T_CHG _FREQ _M ULTo PM T_DECR_CYCLEo PM T_DECR_LI FEo PM T_FREQo PM T_FREQ _M ULTo PM T_I NCR_CYCLEo PM T_I NCR_LI FEo PO O L_AG E_Co PO O L_AG E_M ULT_Co PO O L_NBRo PRO DUCT_TYPE_CDo PURCHASE_PRI CEo RATE_CAP_LI FEo RATE_CHG _M I No RATE_CHG _RND_CDo RATE_CHG _RND_FACo RATE_DECR_CYCLEo RATE_DECR_YEARo RATE_FLO O R_LI FEo RATE_I NCR_CYCLEo RATE_I NCR_YEARo RATE_SET_LAGo RATE_SET_LAG _M ULTo RECO RD_CO UNTo REM AI N_NO _PM TS_Co REM AI N_TERM _Co REM AI N_TERM _M ULT_Co REPRI CE_FREQo REPRI CE_FREQ _M ULTo SETTLEM ENT_DATEo TAX_EXEM PT_PCTo TRANSACTI O N_NBRo TEASER_END_DATEo TRAN_RATE_REM _TERMo TRANSFER_RATEo NET_M ARG I N_CDo M ARG I N_G RO SSo M ARG I N_T_RATEo T_RATE_I NT_RATE_CDo CUR_TP_PER_ADBo PRI O R_TP_PER_ADBo LAST_PAYM ENT_DATEo I NT_TYPEo LRD_BALANCE

I NVESTMENTS# I DENTI TY_CO DE# I D_NUM BER* G L_ACCO UNT_I D* O RG _UNI T_I D* CO M M O N_CO A_I D* AS_O F_DATE* I SO _CURRENCY_CDo I DENTI TY_CO DE_CHGo ACCO UNT_NBRo ACCO UNT_O FFI CERo ACCRUAL_BASI S_CDo ADJUSTABLE_TYPE_CDo AM RT_TERMo AM RT_TERM _M ULTo AM RT_TYPE_CDo AVG _BO O K_BALo AVG _NET_BO O K_BAL_Co BANK_CO DEo BRANCH_CO DEo CREDI T_RATI NG _CDo CUR_BO O K_BALo CUR_G RO SS_RATEo CUR_NET_BO O K_BAL_Co CUR_NET_PAR_BAL_Co CUR_NET_RATEo CUR_O ASo CUR_PAR_BALo CUR_PAYM ENTo CUR_STATI C_SPREADo CUR_YI ELDo CUSI P_NUM BERo DATA_SO URCEo DEFERRED_CUR_BALo DEFERRED_O RG _BAL* EM BEDDED_O PTI O NS_FLGo G EO G RAPHI C_LO C_CDo HEDG E_PO RTFO LI O _SETo HELD_FO R_SALE_CDo HI STO RI C_O ASo HI STO RI C_STATI C_SPREADo I NSTRUM ENT_TYPE_CD* I NTEREST_RATE_CDo I SSUER_CDo I SSUE_DATEo LAST_REPRI CE_DATEo LAST_UPDATE_DATE_Co LI Q UI DI TY_CLASS_CDo M ARG I No M ARKET_PRI CEo M ARKET_VALUE_Co M ATCHED_SPREAD_Co M ATURI TY_DATEo M KT_VS_BO O K_BAL_Co NEG _AM RT_AM To NEG _AM RT_EQ _DATEo NEG _AM RT_EQ _FREQo NEG _AM RT_EQ _M ULTo NEG _AM RT_LI M I To NEXT_PAYM ENT_DATEo NEXT_REPRI CE_DATEo O RG _BO O K_BALo O RG _M ARKET_VALUEo O RG _NET_BO O K_BAL_Co O RG _NET_PAR_BAL_Co O RG _PAR_BALo O RG _PAYM ENT_AM To O RG _RATEo O RG _TERMo O RG _TERM _M ULT* O RI G I NATI O N_DATEo PERCENT_SO LDo PLEDG ED_STATUS_CDo PM T_ADJUST_DATEo PM T_CHG _FREQo PM T_CHG _FREQ _M ULTo PM T_DECR_CYCLEo PM T_DECR_LI FEo PM T_FREQo PM T_FREQ _M ULTo PM T_I NCR_CYCLEo PM T_I NCR_LI FEo PRO DUCT_TYPE_CDo PURCHASE_PRI CEo RATE_CAP_LI FEo RATE_CHG _M I No RATE_CHG _RND_CDo RATE_CHG _RND_FACo RATE_DECR_CYCLEo RATE_DECR_YEARo RATE_FLO O R_LI FEo RATE_I NCR_CYCLEo RATE_I NCR_YEARo RATE_SET_LAGo RATE_SET_LAG _M ULTo RECO RD_CO UNTo REM AI N_NO _PM TS_Co REM AI N_TERM _Co REM AI N_TERM _M ULT_Co REPRI CE_FREQo REPRI CE_FREQ _M ULTo SETTLEM ENT_DATEo TAX_EXEM PT_PCTo TRANSACTI O N_NBRo TEASER_END_DATEo TRAN_RATE_REM _TERMo TRANSFER_RATEo NET_M ARG I N_CDo M ARG I N_G RO SSo M ARG I N_T_RATEo T_RATE_I NT_RATE_CDo CUR_TP_PER_ADBo PRI O R_TP_PER_ADBo LAST_PAYM ENT_DATEo I NT_TYPEo CO M PO UND_BASI S_CDo LRD_BALANCE

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Accounts

Options

Accounts

Transactions

Customers

Collaterals

Assessment Assessment Institutions Asset Class BankParameter BaselParameter Collateral Customer Customer Assessment Customer Categories Deal Deal Portion ECAI Mapping Equity Collateral Export Credit Agency External Credit Assessment

Institution Financial Collateral

Guarantor Issue Specific Assessment Issuer Other Collateral OurBank Parameter ParameterSet Pool Portfolio Real Estate Collateral SA Supervisory Category Scenario ScenarioResult ScenarioRun Souvereign Souvereign Assessment SupervisoryParameter

52 entities and 420 attributes

OFSA Datamodel – Basel 2 data

Basel II Functionality

Basel II Functionality

3 ‘Mutually Reinforcing’ Pillars

Scope of Application: Individual, Sub-consolidated & Consolidated Basis

Minimum Capital Minimum Capital RequirementsRequirements

SupervisorySupervisoryReview ProcessReview Process

Market Market DisciplineDiscipline

• Calculation of capital requirements

• Credit risk

• Operational risk

• Trading book changes (market risk)

• Overview of supervisory review

• Key principles• Capital management processes

• Interest rate risk in the banking book

• Disclosure requirements

• Capital structure

• Risk exposures

• Capital adequacy

Pillar 1“Quantitative”

Pillar 2“Qualitative”

Pillar 3“Market Forces”

Basel II : Credit, operational, interest rate risks

Basel II RiskCalculation

Engine

Oracle Discoverer

Basel II RiskCalculation

Engine

Oracle Discoverer

Oracle Risk Manager

Credit Risk Module

1. Three methods (Standardised Approach, IRB foundation method, IRB advanced method) for the allocation of regulatory capital for credit risk

2. Rank rated customers into arbitrarily chosen number of categories of assets and borrowers

3. Assign to them arbitrarily chosen number of external credit assessments or PDs

4. Conversion of off-balance-sheet items into credit exposure equivalents and the calculation of LGD can be parameterized to handle arbitrary exposure types.

5. Credit risk mitigation : all calculation techniques

• substitution

• supervisory haircut

• own haircut methods to collaterals.

Credit Risk Module

Simulation Module

Interpretation and analysis of the results obtained from other modules

1. Analysis of the complete and the partial portfolios (regions, branches, sectors, customer categories, assets Euro etc.), as well as the contribution of those portfolios to the total risk of the Bank.

2. Stress test effect of simulated extreme changes in the principal variables determining the risk on the portfolio.

3. Changing to an other method quantifies the change in capital charge for each of the advanced methods.

4. Backtesting for arbitrarily chosen element of the portfolio to determine the originally estimated and the real loss as well as the cause of difference between them

Risk Adjusted Performance

Measurements

Risk Adjusted Performance

Measurements

Basel II

Risk Mgt

Structural Risk

Trading Risk

Credit

Risk

Operational Risk

Interest Rate

Liquidity

Planning (BS/P&L)

ALM System

Equity, FX …

InterestDealing & Trading Systems

Internal (Inadequate/Failure)

External Processes

People

Systems

Default(PD)

Exposure

Maturity

Collateral

Expected Loss

Unexpected Loss

Vendor or Internal Model

Basel II ComplianceRisk Adjusted Performance

Management (RAPM)

Risk

Adjusted

Performance

Management

Business Unit

Management

Capital

Management

Budgets

Revenue

Profit Mgt

Cost

Planning

Budget/Forecasts

Budgeting & Planning

Interest Income

Fee & Other Income

Cost of Funds FTP..

Operational Cost ABC..

Expected Loss

Beyond Compliance