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Customer Credit Transfer Initiation V3 pain.001.001.

03 ISO Published: April 2009

ISO Published: April 2009


Common Industry Agreement: As of November 30, 2009
ISO Message Item Tag Name ISO 20022 ISO 20022 Type ACH - Wires - Cheques/ BofAML Non-SEPA CT Values or Usage Rules SEPA BofAML SEPA CT Values or Usage Rules Customer Notes Comments/Questions
Index Occurrence and Domestic & Domestic & Drafts Customer
No. Code Values Int'l Int'l to Bank
ONLY

Customer Credit Transfer Initiation <CstmrCdtTrfInitn> R R R R


1.0 GroupHeader <GrpHdr> [1..1] Component R R R R
1.1 MessageIdentification <MsgId> [1..1] Text Max 35 R R R R This tag contains the Payment Instruction ID, which is similar to the batch ID for that payment process run. Please confirm if this is correct.
1.2 CreationDateTime <CreDtTm> [1..1] DateTime R R R This is the date and time that the XML message is R This is the date and time that the XML message is Is the date time format correct? Example: 2016-05-02T15:48:55
created. created.
1.6 NumberOfTransactions <NbOfTxs> [1..1] Text Max 15 Numeric R R R Total number of credit transfer transactions in the R Total number of credit transfer transactions in the
entire message. This value will be validated. If totals entire message. This value will be validated. If totals
are not equal, entire file will be rejected. are not equal, entire file will be rejected.
1.7 ControlSum <CtrlSum> [0..1] Quantity O O O The sum is the hash total of values in Instructed O The sum is the hash total of values in Instructed
Amount or Equivalent Amount in the entire message. If Amount in the entire message. If <CtrlSum> is
<CtrlSum> is included, the value will be validated. If included, the value will be validated. If totals are not
totals are not equal, entire file will be rejected. equal, entire file will be rejected.

1.8 InitiatingParty <InitgPty> [1..1] R R R This tag identifies the sender of the message. R This tag identifies the sender of the message.
9.1.0 Name <Nm> [0..1] Text Max 140 O O O Name may be included; must also include Id to identify O Name may be included; must also include Id to identify
sender. sender.
9.1.12 Identification <Id> [0..1] R R R R
9.1.13 OrganisationIdentification <OrgId> [1..1] R R R Only one Id preferred R Only one Id allowed
9.1.14 BICOrBEI <BICOrBEI> [0..1] Identifier O O O Identification of sending party O Identification of sending party This tag is currently not included and is mentioned as optional. Please
9.1.15 Other <Othr> [0..n] O O O R confirm if this is expected. If required, please provide what value should be
9.1.16 Identification <Id> [1..1] Text Max 35 R R R Identification of sending party R Identification of sending party displayed here.
9.1.17 SchemeName <SchmeNm> [0..1] O O O O The child tag below this 'Cd' is mentioned as required. In that case we will need to display this as well.
9.1.18 Code <Cd> [1..1] Code R R R Identify the sending party identification type R Identify the sending party identification type Please confirm if this is required, and how do we obtain the values mentioned here for a particular supplier.
CUST √ √ √ √
DUNS √ √ √ √
EMPL √ √ √ √
GS1G √ √ √ √
TXID √ √ √ √
2.0 PaymentInformation <PmtInf> [1..n] Component R R R R
2.1 PaymentInformationIdentification <PmtInfId> [1..1] Text Max 35 R R R Used as Consoldiated Posting reference; equivalent to R Used as Consoldiated Posting reference; equivalent to
Batch Number. Maximum of 16 characters. Batch Number. Maximum of 16 characters.
If populated for US ACH, first 10 characters will be used
for batching.
2.2 PaymentMethod <PmtMtd> [1..1] Code R R R R
CHK √
TRF √ √ √
2.3 BatchBooking <BtchBookg> [0..1] Indicator O O O Consolidated Posting is dependent upon payment type O Consolidated Posting is dependent upon payment type
and clearing system processing. and clearing system processing.
1 or true = Consolidated Posting 1 or true = Consolidated Posting
0 or false = Single Posting 0 or false = Single Posting

2.4 NumberOfTransactions <NbOfTxs> [0..1] Text Max 15 Numeric O O O Total number of credit transfer transactions within the O Total number of credit transfer transactions within the
Payment Information Batch. This value will be Payment Information Batch. This value will be
validated. If totals are not equal, entire Payment validated. If totals are not equal, entire Payment
Infomration block will be rejected. Infomration block will be rejected.

2.5 ControlSum <CtrlSum> [0..1] Quantity O O O The sum is the hash total of values in Instructed O The sum is the hash total of values in Instructed
Amount or Equivalent Amount within the Payment Amount or Equivalent Amount within the Payment
Information Batch. . If <CtrlSum> is included, the Information Batch. . If <CtrlSum> is included, the
value will be validated. If totals are not equal, entire value will be validated. If totals are not equal, entire
Payment Infomration block will be rejected. Payment Infomration block will be rejected.

2.6 PaymentTypeInformation <PmtTpInf> [0..1] Component R R R - For Check Required at either at Payment or Transaction Level, but R Required at either at Payment or Transaction Level, but
Issue and should not be present at both levels. If populated at should not be present at both levels. If populated at
ePayables Card both, value at Transaction level will take precedence. both, value at Transaction level will take precedence.
Data Only

2.7 InstructionPriority <InstrPrty> [0..1] Code O O Based on whether priority processing vs. normal
processing is offered by the bank.
HIGH √ √
NORM √ √
2.8 ServiceLevel <SvcLvl> [0..1] Choice Component R R R R
2.9 Code <Cd> [1..1] Code R R
BKTR √ √ Book Transfers
URGP √ Wire or High Value Transactions
URNS √ Wire or High Value Transactions thru a Net Settlement
clearing
NURG √ ACH or Low Value Transactions
SEPA SEPA Transactions √ Only acceptable value for SEPA transactions
2.11 LocalInstrument <LclInstrm> [0..1] C C
2.12 Code <Cd> [1..1] Code R Required only for US ACH transactions
CCD √
CTX √
PPD √
IAT √
2.13 Proprietary <Prtry> [1..1] Text Max 35 C Value of 'CII' - Required for Check Issue Information for
US or Canada
Value of 'CCC' - Required for ePayables (Card)
transaction
2.14 CategoryPurpose <CtgyPurp> [0..1] O O The child tag below this 'Cd' is mentioned as required. In that case we will need to display this as well.
2.15 Code <Cd> [1..1] Code R R Please confirm if this is required, and how do we obtain the values mentioned here for a particular supplier.
CASH
CCRD
CORT
DCRD
DIVI √ √
GOVT
HEDG
ICCP
IDCP
INTC
INTE
LOAN
PENS √ √
SALA √ √
SECU
SSBE
SUPP
TAXS √ √
TRAD
TREA
VATX
WHLD
2.17 RequestedExecutionDate <ReqdExctnDt> [1..1] DateTime R R R Effective entry date of transaction R Effective entry date of transaction Is the date format correct? Example: 2016-05-02
2.19 Debtor <Dbtr> [1..1] R R R Ordering party R Ordering party
9.1.0 Name <Nm> [0..1] Text Max 140 R R R Ordering party name. R Ordering party name.
Maximum of 70 characters for US Checks which will be Maximum of 70 Latin characters.
split into two name lines of 35 characters for check
printing.
Maximum of 70 Latin characters outside of US.
Maximum of 30 Local Language characters for China
Maximum of 35 Local Language characters for Japan
and Taiwan.

9.1.1 PostalAddress <PstlAdr> [0..1] R R R R


9.1.5 StreetName <StrtNm> [0..1] Text Max 70 O O O If <StrtNm> and <BldgNb> are populated, the data O If <StrtNm> and <BldgNb> are populated, the data
should not be repeated in <AdrLine>. It will also be should not be repeated in <AdrLine>. It will also be
the first address information used, followed by only 1 the first address information used, followed by only 1
line of <AdrLine>. line of <AdrLine>.
9.1.6 BuildingNumber <BldgNb> [0..1] Text Max 16 O O O O - OCtry
9.1.7 PostCode <PstCd> [0..1] Text Max 16 O - Ctry Dpdt O - Ctry Dpdt O - Ctry Dpdt Dpdt
9.1.8 TownName (City) <TwnNm> [0..1] Text Max 35 O O O O
9.1.9 CountrySubDivision <CtrySubDvsn> [0..1] Text Max 35 O O O Required for US, Canada and Australia
9.1.10 Country <Ctry> [0..1] Code R R R Valid 2 character country code R Valid 2 character country code
9.1.11 AddressLine <AdrLine> [0..7] Text Max 70 O O O Two address lines from <AdrLine> will be used if O Two address lines from <AdrLine> will be used if
<StrtNm> and <BldgNb> are not populated <StrtNm> and <BldgNb> are not populated
9.1.12 Identification <Id> [0..1] O O O O
9.1.13 OrganisationIdentification <OrgId> [1..1] R R R R
9.1.14 BICOrBEI <BICOrBEI> [0..1] Identifier O O O O
9.1.15 Other <Othr> [0..n] C C C Required for US ACH - ACH Originator Id O

Confidential 11/07/2018 Page 1 of 8


Customer Credit Transfer Initiation V3 pain.001.001.03 ISO Published: April 2009

ISO Published: April 2009


Common Industry Agreement: As of November 30, 2009
ISO Message Item Tag Name ISO 20022 ISO 20022 Type ACH - Wires - Cheques/ BofAML Non-SEPA CT Values or Usage Rules SEPA BofAML SEPA CT Values or Usage Rules Customer Notes Comments/Questions
Index Occurrence and Domestic & Domestic & Drafts Customer
No. Code Values Int'l Int'l to Bank
ONLY

9.1.16 Identification <Id> [1..1] Text Max 35 R R R The debtor identification is required if a Code is R The debtor identification is required if a Code is The value is currently the legal entity registration number for the debtor and is 99068-06917. Is this correct?
provided in the Scheme Name component. provided in the Scheme Name component.
If the code used is BANK, the identification code is the If the code used is BANK, the identification code is the
Global Advice Client Id. Global Advice Client Id.
9.1.17 SchemeName <SchmeNm> [0..1] C C C C Is this component required? We have both Cd and Prtry tags below this, among which one is required. If required, please provide correct mapping.
9.1.18 Code <Cd> [1..1] Code XOR XOR XOR If <Cd> is populated, <Prtry> should not be populated. R Same as above

Use BANK to identify that the value in <Id> tag is a Use BANK to identify that the value in <Id> tag is a
BANK √ √ √ √
Global Advice Client Id Global Advice Client Id
CUST √ √ √
DUNS √ √ √
EMPL √ √ √
GS1G √ √ √
TXID √ √ √
CHID √ Use CHID for required US ACH - ACH Originator Id
9.1.19 Proprietary <Prtry> [1..1] Text Max 35 XOR XOR XOR - Required If <Prtry> is populated, <Cd> should not be populated. Same as above
for ePayables
and Brazil Value of EPBL (ePayables CRI Reference) for ePayables
Convenio Card transactions.
traansactions Value of CONVENIO when transaction in Brazil

2.20 DebtorAccount <DbtrAcct> [1..1] R R R Ordering party account R Ordering party account
1.1.0 Identification <Id> [1..1] R R R Only one account number allowed. R Either <IBAN> or <Other> must be populated.
Only one account number allowed.
1.1.1 IBAN <IBAN> [1..1] Identifier XOR
1.1.2 Other <Othr> [1..1] O O O O
1.1.3 Identification <Id> [1..1] Text Max 34 R R R For US and LATAM IWC, populate local account XOR If IBAN is not populated, tag must only contain 8 digit This displays the bank account number of the debtor. Please confirm if this is correct.
number. BofAML account number.
For all other non-US accounts, tag must contain 8 digit If non-US multibank, populate multibank account
BofAML account number. number
If non-US multibank, populate multibank account
number

1.1.4 SchemeName <SchmeNm> [0..1] O The child tag Cd below this is mentioned as required for SEPA. DO we need this tag as well?
1.1.5 Code <Cd> [1..1] Code R DO we need this tag since it is mentioned as required for SEPA? Also, if required will there be one value always 'BBAN'?
BBAN √
CUID
UPIC
1.1.8 Type <Tp> [0..1] O - Ctry Dpdt O - Ctry Dpdt O - Ctry Dpdt Required to US and JP
If not populated, default used for processing will be the
classification of a Checking/Demand Account type
(equivalent value of '2' for JP).
1.1.9 Code <Cd> [1..1] Code XOR XOR XOR If <Cd> is populated, <Prtry> should not be populated.

CACC √ √ √ Applicable to US; equivalent to Checking/Demand


Account type
CASH √ √ √ Equivalent to Checking/Demand Account type
CHAR √ √ √ Equivalent to Checking/Demand Account type
CISH √ √ √ Equivalent to Checking/Demand Account type
COMM √ √ √ Equivalent to Checking/Demand Account type
LOAN √ √ √ Equivalent to Checking/Demand Account type
MGLD √ √ √ Equivalent to Checking/Demand Account type
MOMA √ √ √ Applicable to JP (equivalent value of '4')
NREX √ √ √ Equivalent to Checking/Demand Account type
ODFT √ √ √ Equivalent to Checking/Demand Account type
ONDP √ √ √ Equivalent to Checking/Demand Account type
SACC √ √ √ Equivalent to Checking/Demand Account type
SLRY √ √ √ Equivalent to Checking/Demand Account type
SVGS √ √ √ Applicable to US
Applicable to Japan (equivalent value of '1')
TAXE √ √ √ Equivalent to Checking/Demand Account type
TRAS √ √ √ Equivalent to Checking/Demand Account type
1.1.10 Proprietary <Prtry> [1..1] Text Max 35 XOR XOR XOR If <Prtry> is populated, <Cd> should not be populated.
Value of 'OTHER" - Applicable to Japan (equivalent
value of' '9')
Value of 'CARD' - Applicable to ePayables Card
transactions.

1.1.11 Currency <Ccy> [0..1] Code R R R R


2.21 DebtorAgent <DbtrAgt> [1..1] R R R Ordering Party bank R Ordering Party bank
6.1.0 FinancialInstitutionIdentification <FinInstnId> [1..1] R R R Recommendation: More than one Id can be populated R Recommendation: More than one Id can be populated
and the bank will decide which one is necessary based and the bank will decide which one is necessary based
on payment type. on payment type.
6.1.1 BIC <BIC> [0..1] Identifier C C C BIC may be used instead of Brnchid/Id, but only for R BIC may be used instead of Brnchid/Id, but only for
non-US BofAML branches non-US BofAML branches
6.1.2 ClearingSystemMemberIdentification <ClrSysMmbId> [0..1] C C C Are these set of tags not required for SEPA?
6.1.3 ClearingSystemIdentification <ClrSysId> [0..1] O O O Identification of a specific Clearing System Identification
is not necessary.
6.1.4 Code <Cd> [1..1] Code XOR XOR XOR Only valid codes from ISO 20022 External Code List are
permitted (www.ISO20022.org ).
AUBSB
ATBLZ
CACPA
CNAPS
DEBLZ
GRBIC
HKNCC
INFSC
IENCC
ITNCC
JPZGN
NZNCC
PLKNR
PTNCC
RUCBC
SGIBG
ZANCC
ESNCC
SESBA
CHBCC
CHSIC
TWNCC
GBDSC
USPID
USABA
6.1.5 Proprietary <Prtry> [1..1] XOR XOR XOR May contain value of XXXXX = Unidentified Clearing
System Member Code
6.1.6 MemberIdentification <MmbId> [1..1] Text Max 35 R R R Bank Id (ABA, Routing Number, Sort Code)
6.1.7 Name <Nm> [0..1] Text Max 140 O O O
6.1.8 PostalAddress <PstlAdr> [0..1] R R R R
6.1.17 Country <Ctry> [0..1] Code R R R Valid 2 character country code R Valid 2 character country code
6.1.19 Other <Othr> [0..1] C C C C
6.1.20 Identification <Id> [1..1] Text Max 35 R R R The Bank Id may be populated in Other/Id instead of R The Bank Id may be populated in Other/Id instead of This will contain the bank identification number. Please confirm.
under ClrSysMmbId/ClrSysId/MmbId. under ClrSysMmbId/ClrSysId/MmbId.
BofAML Branch Id for non-US branches BofAML Branch Id for non-US branches
Multibank code must be populated here or under Multibank code must be populated here or under
Branch Id/Id. Branch Id/Id.

6.1.25 BranchIdentification <BrnchId> [0..1] R R R The branch code should be explicitly stated here versus O The branch code should be explicitly stated here versus
being combined with Clearing System Member Id. being combined with Clearing System Member ID
6.1.26 Identification <Id> [0..1] Text Max 35 R R R BofAML Branch Id for non-US branches R BofAML Branch Id for non-US branches
Multibank code must be populated here or under
Other/Id.
2.23 UltimateDebtor <UltmtDbtr> [0..1] O O O Ultimate Ordering party O Ultimate Ordering party This is mentioned as Optional and 'Only populate if with 'Pay On Behalf' data. '. Can we remove this set?
Only populate if with 'Pay On Behalf' data. This will Only populate if with 'Pay On Behalf' data. This will
take precedence over Debtor information. take precedence over Debtor information.

Confidential 11/07/2018 Page 2 of 8


Customer Credit Transfer Initiation V3 pain.001.001.03 ISO Published: April 2009

ISO Published: April 2009


Common Industry Agreement: As of November 30, 2009
ISO Message Item Tag Name ISO 20022 ISO 20022 Type ACH - Wires - Cheques/ BofAML Non-SEPA CT Values or Usage Rules SEPA BofAML SEPA CT Values or Usage Rules Customer Notes Comments/Questions
Index Occurrence and Domestic & Domestic & Drafts Customer
No. Code Values Int'l Int'l to Bank
ONLY

9.1.0 Name <Nm> [0..1] Text Max 140 R R R Ultimate Ordering party name R Ultimate Ordering party name
Maximum of 70 characters for US Checks which will be Maximum of 70 Latin characters.
split into two name lines of 35 characters for check
printing.
Maximum of 70 Latin characters outside of US.
Maximum of 30 Local Language characters for China
Maximum of 35 Local Language characters for Japan
and Taiwan.

9.1.1 PostalAddress <PstlAdr> [0..1] C C C Ultimate Ordering party address R Ultimate Ordering party address
9.1.5 StreetName <StrtNm> [0..1] Text Max 70 O O O If <StrtNm> and <BldgNb> are populated, the data O If <StrtNm> and <BldgNb> are populated, the data
should not be repeated in <AdrLine>. It will also be should not be repeated in <AdrLine>. It will also be
the first address information used, followed by only 1 the first address information used, followed by only 1
line of <AdrLine>. line of <AdrLine>.

9.1.6 BuildingNumber <BldgNb> [0..1] Text Max 16 O O O O


9.1.7 PostCode <PstCd> [0..1] Text Max 16 O - Ctry Dpdt O - Ctry Dpdt O - Ctry Dpdt O - Ctry
Dpdt
9.1.8 TownName <TwnNm> [0..1] Text Max 35 O O O O
9.1.9 CountrySubDivision <CtrySubDvsn> [0..1] Text Max 35 O O O Required for US, Canada and Australia
9.1.10 Country <Ctry> [0..1] Code R R R Valid 2 character country code R Valid 2 character country code
9.1.11 AddressLine <AdrLine> [0..7] Text Max 70 O O O Two address lines from <AdrLine> will be used if O Two address lines from <AdrLine> will be used if
<StrtNm> and <BldgNb> are not populated <StrtNm> and <BldgNb> are not populated
9.1.12 Identification <Id> [0..1] O O O O
9.1.13 OrganisationIdentification <OrgId> [1..1] O O O R
9.1.14 BICOrBEI <BICOrBEI> [0..1] Identifier O O O O
9.1.15 Other <Othr> [0..n] O O O O
9.1.16 Identification <Id> [1..1] Text Max 35 R R R R
9.1.17 SchemeName <SchmeNm> [0..1] O O O O
9.1.18 Code <Cd> [1..1] Code XOR XOR XOR If <Cd> is populated, <Prtry> should not be populated R

√ √ Use BANK to identify that the value in <Id> tag is a √ Use BANK to identify that the value in <Id> tag is a
BANK
Global Advice Client Id Global Advice Client Id
CUST √ √ √ √
DUNS √ √ √ √
EMPL √ √ √ √
GS1G √ √ √ √
TXID √ √ √ √
9.1.19 Proprietary <Prtry> [1..1] Text Max 35 XOR XOR XOR - Required If <Prtry> is populated, <Cd> should not be populated.
for ePayables
and Brazil Value of EPBL (ePayables CRI Reference) for ePayables
Convenio Card transactions.
transactions Value of CONVENIO when transaction in Brazil

2.24 ChargeBearer <ChrgBr> [0..1] Code O O If a batch of transactions are being sent, use at O If a batch of transactions are being sent, use at
payment level; else use <ChrgBr> at Transaction level. payment level; else use <ChrgBr> at Transaction level.
If the charge bearer code is not provided, the bank will If the charge bearer code is not provided, the bank will
default it to SHAR. default it to SLEV or SHAR.

CRED √ √
DEBT √ √
SHAR √ √
SLEV √
2.27 CreditTransferTransactionInformation <CdtTrfTxInf> [1..n] R R R A single occurrence of <CdtTrfTxInf> may be R A single occurrence of <CdtTrfTxInf> may be
populated. If multiple occurrences, <PmtInf> data populated. If multiple occurrences, <PmtInf> data
content will apply to all transactions. content will apply to all transactions.
2.28 PaymentIdentification <PmtId> [1..1] R R R R
2.29 InstructionIdentification <InstrId> [0..1] Text Max 35 O O O If populated, Id will be returned only to ordering party O If populated, Id will be returned only to ordering party Currently this value is same as EndToEndId, which is the unique payment reference number. Do we retain this or remove this tag?
in reporting. Limited to 16 characters. in reporting. Limited to 16 characters.
2.30 EndToEndIdentification <EndToEndId> [1..1] Text Max 35 R R R Payment Reference - goes with payment from debtor R Payment Reference - goes with payment from debtor
to creditor and travels through clearing system. to creditor and travels through clearing system.
Used for duplicable checking; MUST be unique for at Used for duplicable checking; MUST be unique for at
least 32 days. least 32 days.
Limited to 15 characters for US ACH and 16 characters Maximum 30 characters.
for US Wires.
Maximum of 10 charactesr for China, Japan and
Taiwan.
Maximum 30 characters for all other countires.

2.6 PaymentTypeInformation <PmtTpInf> [0..1] Component R R R - For Check Required at either at Payment or Transaction Level, but R Required at either at Payment or Transaction Level, but Since this is present at payment level, it is not included here at the transaction level. Please confirm if this is correct.
Issue and should not be present at both levels. If populated at should not be present at both levels. If populated at
ePayables Card both, value at Transaction level will take precedence. both, value at Transaction level will take precedence.
Data Only
2.7 InstructionPriority <InstrPrty> [0..1] Code O O Based on whether priority processing vs. normal
processing is offered by the bank.
HIGH √ √
NORM √ √
2.8 ServiceLevel <SvcLvl> [0..1] Choice Component R R R R
2.9 Code <Cd> [1..1] Code R R R
BKTR √ √ Book Transfers
URGP √ Wire or High Value Transactions
URNS √ Wire or High Value Transactions thru a Net Settlement
NURG √ clearing
ACH or Low Value Transactions
SEPA SEPA Transactions √ Only acceptable value for SEPA transactions
2.11 LocalInstrument <LclInstrm> [0..1] C C
2.12 Code <Cd> [1..1] Code R Required only for US ACH transactions
CCD √
CTX √
PPD √
IAT √
2.13 Proprietary <Prtry> [1..1] Text Max 35 C Value of 'CII' - Required for Check Issue Information for
US or Canada
Value of 'CCC' - Required for ePayables (Card)
transaction
2.14 CategoryPurpose <CtgyPurp> [0..1] O O
2.15 Code <Cd> [1..1] Code R R
CASH
CCRD
CORT
DCRD
DIVI √ √
GOVT
HEDG
ICCP
IDCP
INTC
INTE
LOAN
PENS √ √
SALA √ √
SECU
SSBE
SUPP
TAXS √ √
TRAD
TREA
VATX
WHLD
2.42 Amount <Amt> [1..1] R R R Only one amount can be shown. R
2.43 InstructedAmount <InstdAmt Ccy="AAA"> [1..1] Amount XOR XOR XOR R
2.44 EquivalentAmount <EqvtAmt> [1..1] XOR XOR XOR Applicable only to BFX transactions to indicate a Fixed This set is not being displayed since it is optional and only for BFX. Please confirm if this is correct.
Debit Amount
2.45 Amount <Amt Ccy="AAA"> [1..1] Amount R R R Amount that is to be debited.
2.46 CurrencyOfTransfer <CcyOfTrf> [1..1] Code R R R Currency of transaction paid to Creditor.

Confidential 11/07/2018 Page 3 of 8


Customer Credit Transfer Initiation V3 pain.001.001.03 ISO Published: April 2009

ISO Published: April 2009


Common Industry Agreement: As of November 30, 2009
ISO Message Item Tag Name ISO 20022 ISO 20022 Type ACH - Wires - Cheques/ BofAML Non-SEPA CT Values or Usage Rules SEPA BofAML SEPA CT Values or Usage Rules Customer Notes Comments/Questions
Index Occurrence and Domestic & Domestic & Drafts Customer
No. Code Values Int'l Int'l to Bank
ONLY

2.51 ChargeBearer <ChrgBr> [0..1] Code O O If a batch of transactions are being sent, use at O If a batch of transactions are being sent, use at
payment level; else use <ChrgBr> at Transaction level. payment level; else use <ChrgBr> at Transaction level.
If the charge bearer code is not provided, the bank will If the charge bearer code is not provided, the bank will
default it to SHAR. default it to SLEV or SHAR.

CRED √ √
DEBT √ √
SHAR √ √
SLEV √
2.52 ChequeInstruction <ChqInstr> [0..1] R Required for Check/Cheque printing services and Drafts.

2.53 ChequeType <ChqTp> [0..1] Code R


BCHQ O Draft which does not contain local language characters
CCCH O Corporate Check/Cheque
CCHQ O Corporate Check/Cheque
DRFT C Draft containing local language characters
2.54 ChequeNumber <ChqNb> [0..1] Text Max 35 R Required only for Customer Cheques
Populate only if is information different from
2.55 ChequeFrom <ChqFr> [0..1] C Debtor/Ultimate Debtor. Will override Debtor/Ultimate
Debtor data.
2.56 Name <Nm> [1..1] Text Max 140 O Maximum of 70 characters for US Checks which will be
split into two name lines of 35 characters for check
printing.
Maximum of 70 Latin characters outside of US.
Maximum of 30 Local Language characters for China
Maximum of 35 Local Language characters for Japan
and Taiwan.

2.57 Address <Adr> [1..1] O


10.1.3 StreetName <StrtNm> [0..1] Text Max 70 O If <StrtNm> and <BldgNb> are populated, the data
should not be repeated in <AdrLine>. It will also be
the first address information used, followed by only 1
line of <AdrLine>.
10.1.4 BuildingNumber <BldgNb> [0..1] Text Max 16 O
10.1.5 PostCode <PstCd> [0..1] Text Max 16 O - Ctry Dpdt
10.1.6 TownName <TwnNm> [0..1] Text Max 35 O
10.1.7 CountrySubDivision <CtrySubDvsn> [0..1] Text Max 35 O Required for US, Canada and Australia
10.1.8 Country <Ctry> [0..1] Code R Valid 2 character country code
O Two address lines from <AdrLine> will be used if
10.1.9 AddressLine <AdrLine> [0..7] Text Max 70
<StrtNm> and <BldgNb> are not populated
Defines how Check/Cheque or Draft is to be delivered.
2.58 DeliveryMethod <DlvryMtd> [0..1] C

2.59 Code <Cd> [1..1] Code XOR If <Cd> is populated, <Prtry> should not be populated.
A code from the list in the schema should be used.
MLDB √
MLCD √
MLFA √
CRDB √
CRCD √
CRFA √
PUDB √
PUCD
PUFA
RGDB
RGCD
RGFA
2.60 Proprietary <Prtry> [1..1] Text Max 35 XOR If <Prtry> is populated, <Cd> should not be populated.
BofAML assigned codes for custom delivery services.
2.61 DeliverTo <DlvrTo> [0..1] O Populate only if information is different from
Creditor/Ultimate Creditor. Will override
Creditor/Ultimate Creditor data.
2.62 Name <Nm> [1..1] Text Max 140 O Maximum of 70 characters for US Checks which will be
split into two name lines of 35 characters for check
printing.
Maximum of 70 Latin characters outside of US.
Maximum of 30 Local Language characters for China
Maximum of 35 Local Language characters for Japan
and Taiwan.

2.63 Address <Adr> [1..1] O


10.1.3 StreetName <StrtNm> [0..1] Text Max 70 O If <StrtNm> and <BldgNb> are populated, the data
should not be repeated in <AdrLine>. It will also be
the first address information used, followed by only 1
line of <AdrLine>.
10.1.4 BuildingNumber <BldgNb> [0..1] Text Max 16 O
10.1.5 PostCode <PstCd> [0..1] Text Max 16 O - Ctry Dpdt
10.1.6 TownName <TwnNm> [0..1] Text Max 35 O
10.1.7 CountrySubDivision <CtrySubDvsn> [0..1] Text Max 35 O Required for US, Canada and Australia
10.1.8 Country <Ctry> [0..1] Code R Valid 2 character country code
10.1.9 AddressLine <AdrLine> [0..7] Text Max 70 O Two address lines from <AdrLine> will be used if
<StrtNm> and <BldgNb> are not populated
2.67 MemoField <MemoFld> [0..2] Text Max 35 O Free form-text to print on Check/Cheque
2.69 PrintLocation <PrtLctn> [0..1] Text Max 35 O Value of "DPS" if Canadian cheques are to be printed at
BofAML Canadian branch
2.70 UltimateDebtor <UltmtDbtr> [0..1] O O O Ultimate Ordering party O Ultimate Ordering party The Ultimate Debtor set is mentioned as optional but 'Only populate if with
Only populate if with 'Pay On Behalf' data. This will Only populate if with 'Pay On Behalf' data. This will 'Pay On Behalf' data.'. Is this required?
take precedence over Debtor information. take precedence over Debtor information.
9.1.0 Name <Nm> [0..1] Text Max 140 R R R Ultimate Ordering party name R Ultimate Ordering party name
Maximum of 70 characters for US Checks which will be Maximum of 70 Latin characters.
split into two name lines of 35 characters for check
printing.
Maximum of 70 Latin characters outside of US.
Maximum of 30 Local Language characters for China
Maximum of 35 Local Language characters for Japan
and Taiwan.

9.1.1 PostalAddress <PstlAdr> [0..1] C C C R


9.1.5 StreetName <StrtNm> [0..1] Text Max 70 O O O If <StrtNm> and <BldgNb> are populated, the data O If <StrtNm> and <BldgNb> are populated, the data
should not be repeated in <AdrLine>. It will also be should not be repeated in <AdrLine>. It will also be
the first address information used, followed by only 1 the first address information used, followed by only 1
line of <AdrLine>. line of <AdrLine>.
9.1.6 BuildingNumber <BldgNb> [0..1] Text Max 16 O O O O
9.1.7 PostCode <PstCd> [0..1] Text Max 16 O - Ctry Dpdt O - Ctry Dpdt O - Ctry Dpdt O
9.1.8 TownName <TwnNm> [0..1] Text Max 35 O O O O
9.1.9 CountrySubDivision <CtrySubDvsn> [0..1] Text Max 35 O O O Required for US, Canada and Australia
9.1.10 Country <Ctry> [0..1] Code R R R Valid 2 character country code R Valid 2 character country code
9.1.11 AddressLine <AdrLine> [0..7] Text Max 70 O O O Two address lines from <AdrLine> will be used if O Two address lines from <AdrLine> will be used if
<StrtNm> and <BldgNb> are not populated <StrtNm> and <BldgNb> are not populated
9.1.12 Identification <Id> [0..1] O O O O
9.1.13 OrganisationIdentification <OrgId> [1..1] C C C R
9.1.14 BICOrBEI <BICOrBEI> [0..1] Identifier O O O O
9.1.15 Other <Othr> [0..n] O O O O
9.1.16 Identification <Id> [1..1] Text Max 35 R R R R
9.1.17 SchemeName <SchmeNm> [0..1] O O O O
9.1.18 Code <Cd> [1..1] Code XOR XOR XOR If <Cd> is populated, <Prtry> should not be populated R
Use BANK to identify that the value in <Id> tag is a √ Use BANK to identify that the value in <Id> tag is a
BANK √ √ √
Global Advice Client Id Global Advice Client Id
CUST √ √ √ Use CUST for required US ACH - ACH Originator Id √
DUNS √ √ √ √
EMPL √ √ √ √
GS1G √ √ √ √
TXID √ √ √ √
9.1.19 Proprietary <Prtry> [1..1] Text Max 35 XOR XOR XOR - Required If <Prtry> is populated, <Cd> should not be populated.
for ePayables
and Brazil Value of EPBL (ePayables CRI Reference) for ePayables
Convenio Card transactions.
transactions Value of CONVENIO when transaction in Brazil

9.1.21 PrivateIdentification <PrvtId> [1..1] C C C Required if payment is for Child Support. Please confirm if this set is required. Mentioned here as 'Required if payment is for Child Support.'.

Confidential 11/07/2018 Page 4 of 8


Customer Credit Transfer Initiation V3 pain.001.001.03 ISO Published: April 2009

ISO Published: April 2009


Common Industry Agreement: As of November 30, 2009
ISO Message Item Tag Name ISO 20022 ISO 20022 Type ACH - Wires - Cheques/ BofAML Non-SEPA CT Values or Usage Rules SEPA BofAML SEPA CT Values or Usage Rules Customer Notes Comments/Questions
Index Occurrence and Domestic & Domestic & Drafts Customer
No. Code Values Int'l Int'l to Bank
ONLY

9.1.27 Other <Othr> [0..n] O O O


9.1.28 Identification <Id> [1..1] Text Max 35 R R R Required if payment is for Child Support.
9.1.29 SchemeName <SchmeNm> [0..1] O O O
9.1.30 Code <Cd> [1..1] Code R R R Required if payment is for Child Support.
ARNU
CCPT
CUST
DRLC
EMPL
NIDN
SOSE √ √ √
TXID
9.1.33 CountryOfResidence <CtryOfRes> [0..1] Code O O O Conditional upon country rules O
2.71 IntermediaryAgent1 <IntrmyAgt1> [0..1] O O Intermediary Agents below are not included. Please confirm if this is correct.
6.1.0 FinancialInstitutionIdentification <FinInstnId> [1..1] R R Either BIC or Bank Id of the intermediary bank is
required
6.1.1 BIC <BIC> [0..1] Identifier O O
6.1.2 ClearingSystemMemberIdentification <ClrSysMmbId> [0..1] O O
Identification of a specific Clearing System Identification
6.1.3 ClearingSystemIdentification <ClrSysId> [0..1] O O
is not necessary.
Only valid codes from ISO 20022 External Code List are
6.1.4 Code <Cd> [1..1] Code XOR XOR permitted (www.ISO20022.org ).
May contain value of XXXXX = Unidentified Clearing
6.1.5 Proprietary <Prtry> [1..1] Text Max 35 XOR XOR System Member Code
Bank Id (ABA, Routing Number, Sort Code) may also be
6.1.6 MemberIdentification <MmbId> [1..1] Text Max 35 R R populated in <Othr/Id>, but not both.
6.1.7 Name <Nm> [0..1] Text Max 140 R R
6.1.8 PostalAddress <PstlAdr> [0..1] R R
6.1.14 PostCode <PstCd> [0..1] Text Max 16 O - Ctry Dpdt O - Ctry Dpdt
6.1.15 TownName <TwnNm> [0..1] Text Max 35 O O
6.1.16 CountrySubDivision <CtrySubDvsn> [0..1] Text Max 35 O O Required for US, Canada and Australia
6.1.17 Country <Ctry> [0..1] Code R R Valid 2 character country code
6.1.19 Other <Othr> [0..1] O O
6.1.20 Identification <Id> [1..1] Text Max 35 O O Bank Id (ABA, Routing Number, Sort Code) may also be
populated in <ClrSysMmbId/ClrSysId/MmbId>, but not
both.
2.73 IntermediaryAgent2 <IntrmyAgt2> [0..1] C Use of the second intermediary agent is only applicable
to the International ACH (IAT) transactions

6.1.0 FinancialInstitutionIdentification <FinInstnId> [1..1] R


6.1.1 BIC <BIC> [0..1] Identifier O Either BIC or Bank ID is required
6.1.2 ClearingSystemMemberIdentification <ClrSysMmbId> [0..1] O
6.1.3 ClearingSystemIdentification <ClrSysId> [0..1] O
6.1.4 Code <Cd> [1..1] Code XOR
6.1.5 Proprietary <Prtry> [1..1] Text Max 35 XOR May contain value of XXXXX = Unidentified Clearing
System Member Code
6.1.6 MemberIdentification <MmbId> [1..1] Text Max 35 R Bank Id (ABA, Routing Number, Sort Code) may also be
populated in <Othr/Id>, but not both.
6.1.7 Name <Nm> [0..1] Text Max 140 R
6.1.8 PostalAddress <PstlAdr> [0..1] R
6.1.17 Country <Ctry> [0..1] Code R Valid 2 character country code
6.1.19 Other <Othr> [0..1]
6.1.20 Identification <Id> [1..1] Text Max 35 Bank Id (ABA, Routing Number, Sort Code) may also be
populated in <ClrSysMmbId/ClrSysId/MmbId>, but not
O both.
2.75 IntermediaryAgent3 <IntrmyAgt3> [0..1] C Use of the third intermediary agent is only applicable to
the International ACH (IAT) transactions
6.1.0 FinancialInstitutionIdentification <FinInstnId> [1..1] R
6.1.1 BIC <BIC> [0..1] Identifier O Either BIC or Bank ID is required
6.1.2 ClearingSystemMemberIdentification <ClrSysMmbId> [0..1] O
6.1.3 ClearingSystemIdentification <ClrSysId> [0..1] O
6.1.4 Code <Cd> [1..1] Code XOR
6.1.5 Proprietary <Prtry> [1..1] Text Max 35 XOR May contain value of XXXXX = Unidentified Clearing
System Member Code
6.1.6 MemberIdentification <MmbId> [1..1] Text Max 35 R Bank Id (ABA, Routing Number, Sort Code) may also be
populated in <Othr/Id>, but not both.
6.1.8 PostalAddress <PstlAdr> [0..1] R
6.1.17 Country <Ctry> [0..1] Code R Valid 2 character country code
6.1.19 Other <Othr> [0..1] O
6.1.20 Identification <Id> [1..1] Text Max 35 Bank Id (ABA, Routing Number, Sort Code) may also be
populated in <ClrSysMmbId/ClrSysId/MmbId>, but not
O both.
2.77 CreditorAgent <CdtrAgt> [0..1] R R Receiving party bank R Receiving party bank
6.1.0 FinancialInstitutionIdentification <FinInstnId> [1..1] R R Recommendation: More than one Id can be populated R Recommendation: More than one Id can be populated
and the bank will decide which one is necessary based and the bank will decide which one is necessary based
on payment type. on payment type.
6.1.1 BIC <BIC> [0..1] Identifier O O Either BIC or bank ID is required R Required for SEPA Credit Transfer
6.1.2 ClearingSystemMemberIdentification <ClrSysMmbId> [0..1] O O Is this set required, since one of the tags below 'MmbId' is mentioned as required?
6.1.3 ClearingSystemIdentification <ClrSysId> [0..1] O O
6.1.4 Code <Cd> [1..1] Code XOR XOR If <Cd> is populated, <Prtry> should not be populated.

6.1.5 Proprietary <Prtry> [1..1] Text Max 35 XOR XOR May contain value of XXXXX = Unidentified Clearing
System Member Code
6.1.6 MemberIdentification <MmbId> [1..1] Text Max 35 R R Bank Id (ABA, Routing Number, Sort Code) may also be
populated in <Othr/Id>, but not both.
6.1.7 Name <Nm> [0..1] Text Max 140 C C Required for US IAT transactions
6.1.8 PostalAddress <PstlAdr> [0..1] R R R R
6.1.12 StreetName <StrtNm> [0..1] Text Max 70 O O If <StrtNm> and <BldgNb> are populated, the data
should not be repeated in <AdrLine>. It will also be
the first address information used, followed by only 1
line of <AdrLine>.
6.1.16 CountrySubDivision <CtrySubDvsn> [0..1] Text Max 35 O C Required for US, Canada and Australia
6.1.17 Country <Ctry> [0..1] Code R R Valid 2 character country code R
6.1.18 AddressLine <AdrLine> [0..7] Text Max 70 Two address lines from <AdrLine> will be used if
O O <StrtNm> and <BldgNb> are not populated
6.1.19 Other <Othr> [0..1] O O Is this required since Id below is mentioned as required?
6.1.20 Identification <Id> [1..1] Text Max 35 R R Bank Id (ABA, Routing Number, Sort Code) may also be
populated in <<ClrSysMmbId/ClrSysId/MmbId>, but
not both.
2.78 CreditorAgentAccount <CdtrAgtAcct> [0..1] C C Only used for the Building Society payments of United Is this set required here? Mentioned here as 'Only used for the Building Society payments of United Kingdom and Ireland'.
Kingdom and Ireland
1.1.0 Identification <Id> [1..1] R R
1.1.2 Other <Othr> [1..1] R R
1.1.3 Identification <Id> [1..1] Text Max 34 R R
2.79 Creditor <Cdtr> [0..1] R R R Receiving party R Receiving party
9.1.0 Name <Nm> [0..1] Text Max 140 R R R Receiving party name R Receiving party name
Maximum of 70 characters for US Checks which will be
split into two name lines of 35 characters for check
printing.
Maximum of 70 Latin characters outside of US.
Maximum of 30 Local Language characters for China
Maximum of 35 Local Language characters for Japan
and Taiwan.

9.1.1 PostalAddress <PstlAdr> [0..1] R R R R


9.1.5 StreetName <StrtNm> [0..1] Text Max 70 O O O If <StrtNm> and <BldgNb> are populated, the data O If <StrtNm> and <BldgNb> are populated, the data
should not be repeated in <AdrLine>. It will also be should not be repeated in <AdrLine>. It will also be
the first address information used, followed by only 1 the first address information used, followed by only 1
line of <AdrLine>. line of <AdrLine>.

9.1.6 BuildingNumber <BldgNb> [0..1] Text Max 16 O O O O


9.1.7 PostCode <PstCd> [0..1] Text Max 16 O - Ctry
O - Ctry Dpdt O - Ctry Dpdt O - Ctry Dpdt Dpdt
9.1.8 TownName <TwnNm> [0..1] Text Max 35 O O O O
9.1.9 CountrySubDivision <CtrySubDvsn> [0..1] Text Max 35 C C C Required for US, Canada and Australia
9.1.10 Country <Ctry> [0..1] Code R R R Valid 2 character country code R Valid 2 character country code
9.1.11 AddressLine <AdrLine> [0..7] Text Max 70 O O O Two address lines from <AdrLine> will be used if O Two address lines from <AdrLine> will be used if
<StrtNm> and <BldgNb> are not populated <StrtNm> and <BldgNb> are not populated
9.1.12 Identification <Id> [0..1] O O O O

Confidential 11/07/2018 Page 5 of 8


Customer Credit Transfer Initiation V3 pain.001.001.03 ISO Published: April 2009

ISO Published: April 2009


Common Industry Agreement: As of November 30, 2009
ISO Message Item Tag Name ISO 20022 ISO 20022 Type ACH - Wires - Cheques/ BofAML Non-SEPA CT Values or Usage Rules SEPA BofAML SEPA CT Values or Usage Rules Customer Notes Comments/Questions
Index Occurrence and Domestic & Domestic & Drafts Customer
No. Code Values Int'l Int'l to Bank
ONLY

9.1.13 OrganisationIdentification <OrgId> [1..1] XOR XOR XOR Either <OrgID> or <PrvtId> is required XOR Either <OrgID> or <PrvtId> is required
9.1.14 BICOrBEI <BICOrBEI> [0..1] Identifier O O O O
9.1.15 Other <Othr> [0..n] C C C O
9.1.16 Identification <Id> [1..1] Text Max 35 R R R The creditor identification is required if a Code is R The creditor identification is required if a Code is
provided in the Scheme Name component. provided in the Scheme Name component.
Required for Global Advice; populated with Vendor Id Required for Global Advice; populated with Vendor Id
Required to be populated with US and Canada check
vendor number

9.1.17 SchemeName <SchmeNm> [0..1] O O O O This is mentioned as required for SEPA. Should we include this?
9.1.18 Code <Cd> [1..1] Code XOR XOR XOR R How is the value decided for this tag if required?
BANK √ √ √ Use BANK to identify that the value in <Id> tag is a √ Use BANK to identify that the value in <Id> tag is a
Global Advice Vendor Id Global Advice Vendor Id
CUST √ √ Use CUST to identify that the valude in <Id> tag is a √
US and Canada Check vendor number
DUNS √ √ √ √
EMPL √ √ √ √
GS1G √ √ √ √
TXID √ √ √ √
9.1.19 Proprietary <Prtry> [1..1] Text Max 35 XOR XOR XOR Value of EMBARGO when transaction in LATAM
9.1.21 PrivateIdentification <PrvtId> [1..1] XOR XOR XOR Either <OrgID> or <PrvtId> is required XOR Either <OrgID> or <PrvtId> is required Is this set required?
9.1.22 DateAndPlaceOfBirth <DtAndPlcOfBirth> [0..1]
9.1.27 Other <Othr> [0..n] R R R R
9.1.28 Identification <Id> [1..1] Text Max 35 R R R R
9.1.29 SchemeName <SchmeNm> [0..1] O O O O
9.1.30 Code <Cd> [1..1] Code R R R R
ARNU √ √ √ √
CCPT √ √ √ √
CUST √ √ √ √
DRLC √ √ √ √
EMPL √ √ √ √
NIDN √ √ √ √
SOSE √ √ √ √
TXID √ √ √ √
9.1.33 CountryOfResidence <CtryOfRes> [0..1] Code C C C Required for Japan
2.80 CreditorAccount <CdtrAcct> [0..1] R R Receiving party account R Receiving party account
1.1.0 Identification <Id> [1..1] R R Only one account number allowed. R Only one account number allowed.
1.1.1 IBAN <IBAN> [1..1] Identifier O O R The receiving party account for SEPA CT must be in the
IBAN format
1.1.2 Other <Othr> [1..1] O R Receiving party account number for non-Sepal
transactions
1.1.3 Identification <Id> [1..1] Text Max 34 R R This is mentioned as required here. What value should be displayed?
1.1.4 SchemeName <SchmeNm> [0..1] O O This is mentioned as required for SEPA. Should we include this?
1.1.5 Code <Cd> [1..1] Code R R How is the value decided for this tag if required?
BBAN √ √
CUID √ √
UPIC √ √
1.1.8 Type <Tp> [0..1] C C Required to US and JP
If not populated, default used for processing will be the
classification of a Checking/Demand Account type
(equivalent value of '2' for JP).

1.1.9 Code <Cd> [1..1] Code XOR XOR If <Cd> is populated, <Prtry> should not be populated.
Applicable to US; equivalent to Checking/Demand
CACC √ √
Account type
CASH √ √ Equivalent to Checking/Demand Account type
CHAR √ √ Equivalent to Checking/Demand Account type
CISH √ √ Equivalent to Checking/Demand Account type
COMM √ √ Equivalent to Checking/Demand Account type
LOAN √ √ Equivalent to Checking/Demand Account type
MGLD √ √ Equivalent to Checking/Demand Account type
MOMA √ √ Applicable to JP (equivalent value of '4')
NREX √ √ Equivalent to Checking/Demand Account type
ODFT √ √ Equivalent to Checking/Demand Account type
ONDP √ √ Equivalent to Checking/Demand Account type
SACC √ √ Equivalent to Checking/Demand Account type
SLRY √ √ Equivalent to Checking/Demand Account type
√ √ Applicable to US
SVGS Applicable to Japan (equivalent value of '1')
TAXE √ √ Equivalent to Checking/Demand Account type
TRAS √ √ Equivalent to Checking/Demand Account type
1.1.10 Proprietary <Prtry> [1..1] Text Max 35 XOR XOR If <Prtry> is populated, <Cd> should not be populated.
Value of 'OTHER" - Applicable to Japan (equivalent
value of' '9')

1.1.12 Name <Nm> [0..1] Text Max 140 O O Name on the Account O
2.81 UltimateCreditor <UltmtCdtr> [0..1] C C C Receiving party-Only populate if 'Pay On Behalf' data C Receiving party-Only populate if 'Pay On Behalf' data Can we remove this set since it is mentioned as 'Receiving party-Only populate if 'Pay On Behalf' data applicable.'?
applicable. applicable.
9.1.0 Name <Nm> [0..1] Text Max 140 R R R Receiving party name R Receiving party name
Maximum of 70 characters for US Checks which will be
split into two name lines of 35 characters for check
printing.
Maximum of 70 Latin characters outside of US.
Maximum of 30 Local Language characters for China
Maximum of 35 Local Language characters for Japan
and Taiwan.

9.1.1 PostalAddress <PstlAdr> [0..1] O O O Receiving party address O Receiving party address
9.1.5 StreetName <StrtNm> [0..1] Text Max 70 If <StrtNm> and <BldgNb> are populated, the data O If <StrtNm> and <BldgNb> are populated, the data
should not be repeated in <AdrLine>. It will also be should not be repeated in <AdrLine>. It will also be
the first address information used, followed by only 1 the first address information used, followed by only 1
line of <AdrLine>. line of <AdrLine>.
O O O
9.1.6 BuildingNumber <BldgNb> [0..1] Text Max 16 O O O O
9.1.7 PostCode <PstCd> [0..1] Text Max 16 O - Ctry Dpdt O - Ctry Dpdt O - Ctry Dpdt O - Ctry
Dpdt
9.1.8 TownName <TwnNm> [0..1] Text Max 35 O O O O
9.1.9 CountrySubDivision <CtrySubDvsn> [0..1] Text Max 35 C C C Required for US, Canada and Australia
9.1.10 Country <Ctry> [0..1] Code R R R Valid 2 character country code Valid 2 character country code
9.1.11 AddressLine <AdrLine> [0..7] Text Max 70 O O O Two address lines from <AdrLine> will be used if Two address lines from <AdrLine> will be used if
<StrtNm> and <BldgNb> are not populated O <StrtNm> and <BldgNb> are not populated
9.1.12 Identification <Id> [0..1] O O O O
9.1.13 OrganisationIdentification <OrgId> [1..1] XOR XOR XOR Either <OrgID> or <PrvtId> is required XOR
9.1.14 BICOrBEI <BICOrBEI> [0..1] Identifier O O O O
9.1.15 Other <Othr> [0..n] C C C O
9.1.16 Identification <Id> [1..1] Text Max 35 XOR XOR XOR Required for Global Advice; populated with Vendor Id XOR Required for Global Advice; populated with Vendor Id
Required to be populated with US and Canada check Required to be populated with US and Canada check
vendor number vendor number

9.1.17 SchemeName <SchmeNm> [0..1] O O O O


9.1.18 Code <Cd> [1..1] Code XOR XOR XOR R
BANK √ √ √ Use BANK to identify that the value in <Id> tag is a √ Use BANK to identify that the value in <Id> tag is a
Global Advice Vendor Id Global Advice Vendor Id
CUST √ √ √ Use CUST to identify that the valude in <Id> tag is a √
DUNS √ √ √ US and Canada Check vendor number √
EMPL √ √ √ √
GS1G √ √ √ √
TXID √ √ √ √
9.1.19 Proprietary <Prtry> [1..1] Text Max 35 XOR XOR XOR Value of EMBARGO when transaction in LATAM
9.1.21 PrivateIdentification <PrvtId> [1..1] XOR XOR XOR XOR Is this set required?
9.1.27 Other <Othr> [0..n] O O O O
9.1.28 Identification <Id> [1..1] Text Max 35 R R R R
9.1.29 SchemeName <SchmeNm> [0..1] O O O O
9.1.30 Code <Cd> [1..1] Code R R R R

Confidential 11/07/2018 Page 6 of 8


Customer Credit Transfer Initiation V3 pain.001.001.03 ISO Published: April 2009

ISO Published: April 2009


Common Industry Agreement: As of November 30, 2009
ISO Message Item Tag Name ISO 20022 ISO 20022 Type ACH - Wires - Cheques/ BofAML Non-SEPA CT Values or Usage Rules SEPA BofAML SEPA CT Values or Usage Rules Customer Notes Comments/Questions
Index Occurrence and Domestic & Domestic & Drafts Customer
No. Code Values Int'l Int'l to Bank
ONLY

ARNU √ √ √ √
CCPT √ √ √ √
CUST √ √ √ √
DRLC √ √ √ √
EMPL √ √ √ √
NIDN √ √ √ √
SOSE √ √ √ √
TXID √ √ √ √
9.1.33 CountryOfResidence <CtryOfRes> [0..1] Code C C C Required for Japan
2.82 InstructionForCreditorAgent <InstrForCdtrAgt> [0..n] O - Ctry Dpdt O - Ctry Dpdt Required fr transactions in Argentina
2.83 Code <Cd> [0..1] Code O O Can only be used for non-US transactions
CHQB √ √
HOLD √ √
PHOB √ √
TELB √ √
2.84 InstructionInformation <InstrInf> [0..1] Text Max 140 O O Reference number for US ACH batching may be
populated here; else <PmtInfId> will be used.
For US wires use for bank to creditor/beneficiary
information
Required to be populated with Creditor Phone Number
for Argentina transactions
All other intances will support information being sent to
Creditor Agent

2.85 InstructionForDebtorAgent <InstrForDbtrAgt> [0..1] Text Max 140 C Use to populate bank to bank wire information
Required for Brazil Boletto Bar Code: /BRTL/ + 11 digit
bar code
Required for Brazil Drawing Point Bank: /DTBC/ + Bank
Id
Required for Repetitive Wire reference: /RPWR/ + 8
digit template reference number

2.86 Purpose <Purp> [0..1] C C C Country transaction dependent O


2.87 Code <Cd> [1..1] Code XOR XOR XOR Refer to the External Purpose Code tab in this guide XOR Refer to the External Purpose Code tab in this guide Must be BECH for Child Support Payments.
Must be BECH for Child Support Payments.
2.88 Proprietary <Prtry> [1..1] Text Max 35 XOR XOR XOR BofAML supported Purpose Codes not contained in XOR BofAML supported Purpose Codes not contained in
External Code List External Code List
2.89 RegulatoryReporting <RgltryRptg> [0..10] BofAML supports reporting for Belgium, France, O - Ctry BofAML supports reporting for Belgium, France,
O - Ctry Dpdt O - Ctry Dpdt O - Ctry Dpdt
Germany, Italy and Spain Dpdt Germany, Italy and Spain
11.1.0 DebitCreditReportingIndicator <DbtCdtRptgInd> [0..1] Code
11.1.1 Authority <Authrty> [0..1]
11.1.4 Details <Dtls> [0..n] O O O O
11.1.8 Code < Cd> [0..1] Text Max 10 O O O O
11.1.10 Information <Inf> [0..n] Text Max 140 O O O O
2.90 Tax <Tax> [0..1] C C C Supported only for US Tax payments
13.1.0 Creditor <Cdtr> [0..1] O O O
13.1.3 TaxType <TaxTp> [0..1] Text Max 35 O O O Equivalent to TXP.02, Tax Payment Type Code
13.1.4 Debtor <Dbtr> [0..1] O O O
13.1.5 TaxIdentification <TaxId> [0..1] Text Max 35 O O O Equivalent to TXP.10, Taxpayer Verification
13.1.18 Record <Rcrd> [0..n] O O O
13.1.20 Category <Ctgy> [0..1] Text Max 35 O O O 1st occurrence of <Rcrd>equivalent to TXP.04, Tax
Information Id
2nd occurrence of <Rcrd>equivalent to TXP.06, Tax
Information Id
3rd occurrence of <Rcrd>equivalent to TXP.08, Tax
Information Id

13.1.23 CertificateIdentification <CertId> [0..1] Text Max 35 O O O Equivalent to TXP.01, Tax Identification Number
13.1.31 TaxAmount <TaxAmt> [0..1] O O O
13.1.34 TotalAmount <TtlAmt Ccy="AAA"> [0..1] Amount O O O 1st occurrence of <Rcrd>equivalent to TXP.05, Tax
Amount
2nd occurrence of <Rcrd>equivalent to TXP.07, Tax
Amount
3rd occurrence of <Rcrd>equivalent to TXP.09, Tax
Amount

2.91 RelatedRemittanceInformation <RltdRmtInf> [0..10] O O O Supports Remittance Advice Split Remittance services O
2.92 RemittanceIdentification <RmtId> [0..1] Text Max 35 O O O May be utilized for remittance reassociation O Can be utilized for remittance reassociation
2.93 RemittanceLocationMethod <RmtLctnMtd> [0..1] Code O O O Supports Remittance Advice delivery services O Supports Remittance Advice delivery services
EDIC √ √ √ Required for EDI Format delivery of remittance advice √
EMAL √ √ √ Required for Email delivery of remittance advice √
FAXI √ √ √ Required for Fax delivery of remittance advice √
POST √ √ √ Required for Postal Mail delivery of remittance advice √
URID √ √ √ Required for Global Advice Services √ Global Advice Services
2.94 RemittanceLocationElectronicAddress <RmtLctnElctrncAdr> [0..1] Text Max 2048 O O O Populate with email address or fax number. Use ";" to O Populate with email address or fax number. Use ";" to
separate multiple email addresses. separate multiple email addresses.
2.95 RemittanceLocationPostalAddress <RmtLctnPstlAdr> [0..1] O O O O Information required for email delivery of Remittance
Advice
2.96 Name <Nm> [1..1] Text Max 140 R R R Required for Fax or Email delivery of remittance advice R Required for Fax or Email delivery of remittance advice

2.97 Address <Adr> [1..1] R R R Required if a remittance advise is mailed to an address R Required if a remittance advise is mailed to an address
different than the Creditor or Ultimate Creditor Postal different than the Creditor or Ultimate Creditor Postal
Address. Address.
10.1.0 AddressType <AdrTp> [0..1] Code O
ADDR
BIZZ
DLVY
HOME
MLTO
PBOX
10.1.3 StreetName <StrtNm> [0..1] Text Max 70 O O O If <StrtNm> and <BldgNb> are populated, the data O If <StrtNm> and <BldgNb> are populated, the data
should not be repeated in <AdrLine>. It will also be should not be repeated in <AdrLine>. It will also be
the first address information used, followed by only 1 the first address information used, followed by only 1
line of <AdrLine>. line of <AdrLine>.
10.1.4 BuildingNumber <BldgNb> [0..1] Text Max 16 O O O O
10.1.5 PostCode <PstCd> [0..1] Text Max 16 O - Ctry Dpdt O - Ctry Dpdt O - Ctry Dpdt O - Ctry
Dpdt
10.1.6 TownName <TwnNm> [0..1] Text Max 35 O O O O
10.1.7 CountrySubDivision <CtrySubDvsn> [0..1] Text Max 35 C C C Required for US, Canada and Australia
10.1.8 Country <Ctry> [0..1] Code R R R Valid 2 character country code R Valid 2 character country code
10.1.9 AddressLine <AdrLine> [0..7] Text Max 70 O O O Two address lines from <AdrLine> will be used if O Two address lines from <AdrLine> will be used if
<StrtNm> and <BldgNb> are not populated <StrtNm> and <BldgNb> are not populated
2.98 RemittanceInformation <RmtInf> [0..1] O O O Remittance Information delivered is dependent upon O - either Remittance Information delivered is dependent upon
clearing system limitations. Ustrd or clearing system limitations.
Data will be truncated if clearing system limitations Strd Data will be truncated if limitations exceeded.
exceeded.

2.99 Unstructured <Ustrd> [0..n] Text Max 140 O O O SEPA Credit Transfer only supports 1 occurrence of We are currently displaying this value and is a concatenation of Document reference number, Document date, Document Amount and Payment Amount. Is this correct?
O <Ustrd> limited to 140 characters
2.100 Structured <Strd> [0..n] O O O Best practice for minimum usage: invoice number and For SEPA Transfers,RfrdDocInf and RfrdDocAmt
remitted amount or credit note amount with currency O information will be passed up to a max of 140
characters.
2.101 ReferredDocumentInformation <RfrdDocInf> [0..n] O O O
2.102 Type <Tp> [0..1] O O O
2.103 CodeOrProprietary <CdOrPrtry> [1..1] R R R
2.104 Code <Cd> [1..1] Code XOR XOR XOR If <Cd> is populated, <Prtry> should not be populated. XOR If <Cd> is populated, <Prtry> should not be populated.
CINV √ √ √ Remittance amounts will be positive amounts √ Remittance amounts will be positive amounts
CNFA √ √ √ Remittance amounts will be negative amounts √ Remittance amounts will be negative amounts
CONT √ √ √ Remittance amounts will be positive amounts √ Remittance amounts will be positive amounts
CREN √ √ √ Remittance amounts will be negative amounts √ Remittance amounts will be negative amounts
DEBN √ √ √ Remittance amounts will be positive amounts √ Remittance amounts will be positive amounts
DNFA √ √ √ Remittance amounts will be positive amounts √ Remittance amounts will be positive amounts
DISP √ √ √ Remittance amounts will be positive amounts √ Remittance amounts will be positive amounts
HIRI √ √ √ Remittance amounts will be positive amounts √ Remittance amounts will be positive amounts
INVS √ √ √ Remittance amounts will be positive amounts √ Remittance amounts will be positive amounts
MSIN √ √ √ Remittance amounts will be positive amounts √ Remittance amounts will be positive amounts
PROF √ √ √ Remittance amounts will be positive amounts √ Remittance amounts will be positive amounts
PUOR √ √ √ Remittance amounts will be positive amounts √ Remittance amounts will be positive amounts
QUOT √ √ √ Remittance amounts will be positive amounts √ Remittance amounts will be positive amounts

Confidential 11/07/2018 Page 7 of 8


Customer Credit Transfer Initiation V3 pain.001.001.03 ISO Published: April 2009

ISO Published: April 2009


Common Industry Agreement: As of November 30, 2009
ISO Message Item Tag Name ISO 20022 ISO 20022 Type ACH - Wires - Cheques/ BofAML Non-SEPA CT Values or Usage Rules SEPA BofAML SEPA CT Values or Usage Rules Customer Notes Comments/Questions
Index Occurrence and Domestic & Domestic & Drafts Customer
No. Code Values Int'l Int'l to Bank
ONLY

SBIN √ √ √ Remittance amounts will be positive amounts √ Remittance amounts will be positive amounts
SPRR √ √ √ Remittance amounts will be positive amounts √ Remittance amounts will be positive amounts
TISH √ √ √ Remittance amounts will be positive amounts √ Remittance amounts will be positive amounts
USAR √ √ √ Remittance amounts will be positive amounts √ Remittance amounts will be positive amounts
2.105 Proprietary <Prtry> [1..1] Text Max 35 XOR XOR XOR If <Prtry> is populated, <Cd> should not be populated. XOR If <Prtry> is populated, <Cd> should not be populated.

CS √ √ √ Required for Child Support payments √ Required for Child Support payments
ITEM √ √ √ Required for Card payments √ Required for Card payments
2.107 Number <Nb> [0..1] Text Max 35 R R R Invoice or Credit Memo number required if R
<RfrdDocInf> is used
Reference Identification for Child Support Payments Invoice or Credit Memo number required if Reference Identification for Child Support Payments should be populated
should be populated here. <RfrdDocInf> is used here.
2.108 RelatedDate <RltdDt> [0..1] DateTime O O O Date on Invoice or Credit Memo O Date on Invoice or Credit Memo
2.109 ReferredDocumentAmount <RfrdDocAmt> [0..1] O O O O
2.110 DuePayableAmount <DuePyblAmt Ccy="AAA"> [0..1] Amount O O O Amount due as stated on invoice or other referred O Amount due as stated on invoice or other referred
document type document type
2.111 DiscountAppliedAmount <DscntApldAmt [0..1] Amount O O O Discount amount applied against amount on invoice or O Discount amount applied against amount on invoice or
Ccy="AAA"> other referred document type other referred document type
2.112 CreditNoteAmount <CdtNoteAmt Ccy="AAA"> [0..1] Amount O O O Credit amount of a credit note or credit memo O Credit amount of a credit note or credit memo
2.113 TaxAmount <TaxAmt Ccy="AAA"> [0..1] Amount O O O Tax amount on any referred document O Tax amount on any referred document
2.114 AdjustmentAmountAndReason <AdjstmntAmtAndRsn> [0..n] O O O Adjustment amount and reason applicable to any O Adjustment amount and reason applicable to any
referred document referred document
2.115 Amount <Amt Ccy="AAA"> [1..1] Amount R R R R
2.116 CreditDebitIndicator <CdtDbtInd> [0..1] Code O O O If no indicator is provided, the bank will default the O If no indicator is provided, the bank will default the
indicator as DBIT indicator as DBIT
CRDT √ √ √ √
DBIT √ √ √ √
2.117 Reason <Rsn> [0..1] Text Max 4 O O O O
2.118 AdditionalInformation <AddtlInf> [0..1] Text Max 140 O O O Limited to 2 occurrence O Limited to 2 occurrence
First occurrence is limited to 80 characters First occurrence is limited to 80 characters
Second occurrence is limited to 60 characters Second occurrence is limited to 60 characters
2.119 RemittedAmount <RmtdAmt Ccy="AAA"> [0..1] Amount O O O O
2.120 CreditorReferenceInformation <CdtrRefInf> [0..1] O O O O
2.121 Type <Tp> [0..1] O O O O
2.122 CodeOrProprietary <CdOrPrtry> [1..1] R R R R
2.123 Code <Cd> [1..1] Code O O O If <Cd> is populated, <Prtry> should not be populated O

DISP √ √ √
FXDR √ √ √
PUOR √ √ √
RADM √ √ √
RPIN √ √ √
SCOR √ √ √ √ SEPA Credit Transfer supports SCOR only
2.124 Proprietary <Prtry> [1..1] Text Max 35 O O O If <Prtry> is populated, <Cd> should not be populated.

Value of "GL" required for ePayables card transaction


up to 10 occurences of <RmtInf/Strd>

2.126 Reference <Ref> [0..1] Text Max 35 R R R Would contain GL reference for ePayables card R
transactions
2.127 Invoicer <Invcr> [0..1] O O O Party who issued the referred document O Party who issued the referred document
9.1.0 Name <Nm> [0..1] Text Max 140 R R R O
9.1.12 Identification <Id> [0..1] O O O O
9.1.13 OrganisationIdentification <OrgId> [1..1] R R R R
9.1.15 Other <Othr> [0..n] R R R R
9.1.16 Identification <Id> [1..1] Text Max 35 R R R R
9.1.17 SchemeName <SchmeNm> [0..1] O O O O
9.1.18 Code <Cd> [1..1] Code R R R R
BANK √ √ √ √
CUST √ √ √ √
DUNS √ √ √ √
EMPL √ √ √ √
GS1G √ √ √ √
TXID √ √ √ √
2.128 Invoicee <Invcee> [0..1] O O O Party who is issued the referred document O Party who is issued the referred document
9.1.0 Name <Nm> [0..1] Text Max 140 R R R Child Support Payments - Absent parent name. O Child Support Payments - Absent parent name.
9.1.12 Identification <Id> [0..1] O O O O
9.1.13 OrganisationIdentification <OrgId> [1..1] R R R R
9.1.15 Other <Othr> [0..n] R R R R
9.1.16 Identification <Id> [1..1] Text Max 35 R R R R
9.1.17 SchemeName <SchmeNm> [0..1] O O O O
9.1.18 Code <Cd> [1..1] Code R R R R
BANK √ √ √ √
CUST √ √ √ √
DUNS √ √ √ √
EMPL √ √ √ √
GS1G √ √ √ √
TXID √ √ √ √
9.1.19 Proprietary <Prtry> [1..1] Text Max 35
9.1.20 Issuer <Issr> [0..1] Text Max 35
9.1.21 PrivateIdentification <PrvtId> [1..1]
9.1.22 DateAndPlaceOfBirth <DtAndPlcOfBirth> [0..1]
9.1.23 BirthDate <BirthDt> [1..1] DateTime
9.1.24 ProvinceOfBirth <PrvcOfBirth> [0..1] Text Max 35
9.1.25 CityOfBirth <CityOfBirth> [1..1] Text Max 35
9.1.26 CountryOfBirth <CtryOfBirth> [1..1] Code
9.1.27 Other <Othr> [0..n] Child Support Payments - SSN of Absent Parent Child Support Payments - SSN of Absent Parent
9.1.28 Identification <Id> [1..1] Text Max 35 One instance for SSN another for imployment indicator One instance for SSN another for imployment indicator
9.1.29 SchemeName <SchmeNm> [0..1]
9.1.30 Code <Cd> [1..1] Code
9.1.31 Proprietary <Prtry> [1..1] Text Max 35
9.1.32 Issuer <Issr> [0..1] Text Max 35
9.1.33 CountryOfResidence <CtryOfRes> [0..1] Code
9.1.34 ContactDetails <CtctDtls> [0..1]
9.1.35 NamePrefix <NmPrfx> [0..1] Code
9.1.36 Name <Nm> [0..1] Text Max 140
9.1.37 PhoneNumber <PhneNb> [0..1] PhoneNumber
9.1.38 MobileNumber <MobNb> [0..1] PhoneNumber
9.1.39 FaxNumber <FaxNb> [0..1] PhoneNumber
9.1.40 EmailAddress <EmailAdr> [0..1] Text Max 2048
9.1.41 Other <Othr> [0..1] Text Max 35
2.129 AdditionalRemittanceInformation <AddtlRmtInf> [0..3] Text Max 140 O O O Free-form text will be included with referrred document O Free-form text will be included with referrred document Child Support Payments - MEDY (yes) or MEDN (no) indicates medical
data. data. insurance.
Child Support Payments - MEDY (yes) or MEDN (no)
indicates medical insurance.

Confidential 11/07/2018 Page 8 of 8