Transmission Toolki · Transmission Hotline at 1-800-539-6434. All Application Issues (incorrect All Application Issues (incorrect file, wrong format, etc.) should be directed to

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Transmission Toolkit

Contents

I. General Transmission Overview I - 1 II. Implementation and Service Information A. Responsibilities II. A-1 B. Implementation Process II. B-1 C. Post Implementation II. B-1 III. Transmission Options A. Overview III. A-1 B. KTT Web Based File Transfer III. B-1 i. Requirements III. B-1 ii. Send/Receive Instructions III. B-2 iii. Report Instructions III. B-8 C. Encrypted File Transfer III. C-1 i. FTP w/ PGP or TLS III. C-1 ii. AS-2 III. C-2 IV. Transmission Products and Services A. ARP IV. A-1 B. ACH IV. B-1 C. Batch Wire Transfer IV. C-1 D. EDI IV. D-1 E. BAI2 IV. E-1 F. Lockbox IV. F-1 i. Lockbox data transmission IV. F-1 ii. Lockbox image transmission IV. F-7 G. DDA Return Items IV. G-1 H. Integrated Receivables IV. H-1 V. Appendix A. Contact List V. A-1

I. General Transmission Overview

I - 1

I. General Transmission Overview

Electronic Transmissions provide clients with an opportunity to automate and streamline the delivery and receipt of information reporting and payment related files as opposed to manually entering payment data, or manually retrieving information reporting data.

KeyBank provides both attended and unattended file delivery services and supports a variety of popular industry accounting packages. This service provides a simple and secure method for processing and/or retrieving files from a designated mailbox at Key. There are two standard methods utilized to send and/or retrieve data:

1. Key Total Treasury (KTT) Web-Based File Transfer 2. Encrypted File Transfer

We recommend electronic file transmissions via either one of our Internet based methods: encrypted file transfer with PGP Encryption or Key Total Treasury File Transfer. Each alternative is described in more detail in Section III.

The following types of files can be sent to KeyBank: • ACH NACHA Files • ARP Check Issue Files • EDI Files • Batch Wire Transfer Files

KeyBank can send the following types of files to clients: • ACH Returns and Notification of Change Files • BAI2 File (Previous Day and Intraday) Files • DDA Returned Items Files (data and/or images) • EDI Files including EDI 822 Account Analysis Files • Lockbox Detail Information Files • Lockbox Image files • ARP Account Reconcilement Files

Please Note: KeyBank can also send and receive Image cash letter files. Due to resources and equipment required by clients, along with highly technical industry specifications, clients interested in this service will receive separate documentation from their Cash Management Sales Officer.

I - 2

Transmission Product List Product/Service Transmission Methods Supported Account Reconcilement (ARP) Browser Based File Transfer: KTT File

Transfer Encrypted File Transfer [Secure File Transfer(SFT)]

Account Reconcilement (ARP) - Paid Check Images

Encrypted File Transfer [Secure File Transfer (SFT)]

ACH Payments Browser Based File Transfer: KTT File Transfer Encrypted File Transfer [Secure File Transfer (SFT)]

Wire Transfer Services Browser Based File Transfer: KTT File Transfer Encrypted File Transfer [Secure File Transfer (SFT)]

EDI Encrypted File Transfer [Secure File Transfer (SFT)]

BAI2 Reports Browser Based File Transfer: KTT File Transfer

Lockbox Data Browser Based File Transfer: KTT File Transfer Encrypted File Transfer [Secure File Transfer (SFT)]

Lockbox Images Encrypted File Transfer [Secure File Transfer (SFT)]

Returned Item Images Browser Based File Transfer KTT File Transfer

II. Implementation and ServiceInformation

II. A- 1

A. Responsibilities The procedure for setup with KeyBank’s standard transmission services consists of three phases: 1) communications testing, 2) applications testing, and 3) production mode follow-through. Operational and technical contacts from both parties will establish the communication link to their satisfaction to ensure network communication is successful. The client will then collaborate with our operational areas to test and validate file formats. Once in production, the initial transmission will be verified for completeness.

KeyBank will not supply any codes or programs other than the parameters that are necessary for interaction with the Bank’s transmission platform(s). It is the client’s responsibility to be able to interface with KeyBank’s file transfer system.

Prior to the request for transmission services: 1. Clients must meet all hardware and software specifications described in

this toolkit. If any of the hardware and/or software specifications cannot currently be supported by the client, clients may request a technical review session with Key Bank’s Technical Support Team by calling the Transmission Hotline at 1-800-539-9630.

2. Clients must have the appropriate staff (technical or otherwise) available to work with KeyBank to establish communication links, test file formats, and run validity checks.

3. Clients must create test files according to the appropriate formats. Please refer to Section IV for samples. This requirement applies to clients that will be sending files to KeyBank for processing. Any questions regarding the creation of test files can be directed to the transmission Technical Support Team by calling the Transmission Hotline at 1-800-539-9630.

4. Clients’ internal applications must be capable of accepting files from KeyBank. Please refer to Section IV for sample formats. This requirement applies to clients receiving files from KeyBank. Please contact your Fulfillment Support Transmission Specialist (FSTS) at 1-800-539-9630 with any questions regarding the receipt of files.

Requesting Transmission Services: 1. Your Cash Management Sales Officer will work with you to determine

which method of transmitting data will best suit your needs. 2. The client will complete the Transmission Set Up Request Form. Please

refer to the Appendix for a copy of this form. A sample form has also been included at the end of this section.

3. Once all the forms have been completed and submitted to your Cash Management Sales Officer, the implementation process will begin.

II. B- 1

B. Implementation Process 1. After the transmission setup forms and all necessary agreements have

been received, the technical contact for your company will receive an email notifying them to expect a call the following business day. A copy of this toolkit will be included with the email. Sections of the toolkit that should be reviewed prior to the call will be identified.

2. A KeyBank Transmission Specialist will call the technical contact. During the call, the Transmission Specialist will verify the information on the setup form and discuss the following components of the implementation process:

a. Client commitment, responsibilities, and scheduling b. Formatting requirements c. Submitting and retrieving test files

Any questions and concerns will also be addressed during the call. 3. After the call, you will be emailed your mailbox ID and sign on instructions. 4. During the initial set-up phase, a process called the “handshake” takes

place. This is the initial communication test between KeyBank and the client. This test establishes that the client can communicate electronically with KeyBank. It is done before a test file is sent or downloaded.

5. If the client will be retrieving files from KeyBank, KeyBank Operations will load a test file into the mailbox system after the “handshake” process has been completed and verified. The client will need to download and examine the file to ensure that it meets defined requirements. KeyBank must receive confirmation from the client that the downloaded file is satisfactory before transmission services begin.

6. KeyBank will work closely with your technical resources during the testing and approval phase. Clients MUST make themselves available to work with KeyBank during the transmission setup and testing process. The start of service(s) may be delayed until the testing cycle is complete.

7. Depending on the availability of your technical resources and the validity of the test file(s), completion of the entire process can take between three to six weeks.

C. Post Implementation

1. Once testing is complete and the client confirms that the service is setup correctly, the client is moved from the test environment to the production environment. Once the client has been moved to the production environment they must use the same format for all files transmitted to the bank.

2. There is no limit on the number of files that clients can send per day to KeyBank. Depending on the service, files will be processed as they are received or the new file(s) will be appended to the original file and the entire file will be processed during nightly batch processing.

3. Multiple accounts can be sent in the same file as long as they are in the same processing region (contact your Cash Management Sales Officer for details). If the accounts are from different “banks” within that region, then

II. B- 2

the files must include the bank number in the record layout. (These requirements will be discussed in detail during testing.)

4. Clients should not alter or add additional information, such as another account, to their file without notifying KeyBank. Proper procedures must be followed in order to ensure that all accounts are correctly setup, in the same layout, and appropriately formatted.

5. KeyBank cannot assist with correcting files due to a client’s software problem. The client must utilize their internal technical support or contact the software vendor to address and resolve issues.

6. Once in production: All Communication Issues should be directed to the Transmission Hotline at 1-800-539-6434. All Application Issues (incorrect file, wrong format, etc.) should be directed to KeyBank’s Corporate Client Services at 1-800-821-2829. For Clients using the Key Total Treasury application for file transfer should contact Commercial and Business Banking Center Internet Group at 1-800-539-9039. Please refer to the Contact List in the Appendix for additional numbers.

7. Clients performing any upgrades to hardware or software that is used for transmissions must contact the Transmission Hotline to schedule preproduction testing to make certain the client upgrade will not affect transmission communications and/or prevent production files from being sent and/or received. Please allow a minimum of one business week prior to implementation for testing to be performed.

III. Transmission Options

III. A- 1

A. Overview KeyBank offers two transmission options:

1. Browser based file transfer: KTT File Transfer Module 2. Encrypted File transfer with PGP encryption (Secure File Transfer – SFT)

All Transmission channels are available 24 hours a day / seven days a week. Please refer to the product grid on page I-2 for more information on which services can be supported by the transmission options listed above.

Deadlines for sending files to be processed: Type Time ACH 8:00 P.M. ET* EDI 2:30 P.M. ET ARP 11:00 P.M. ET Batch Wire 5:30 P.M. ET *Please note: ACH files can be sent up until 8:00 P.M. ET; however, files received after 5:00 P.M. ET that will be processed on the next business day will be assessed a late fee.

Times after which files can be retrieved: Type Time ACH Returns EDI Return Items BAI2 Intraday BAI2 Previous Day (ME, NH, VT, NY, OH, IN, MI)

8:00 A.M ET

ARP 9:00 A.M. ET BAI2 Previous Day (CO, UT, ID, OR, WA) 10:30 A.M. ETBAI2 Previous Day (AK) 11:30 A.M. ET Lockbox – All times are local to site 8:00 AM - Cleveland and

Cincinnati only

12:00 Noon – All sites except Buffalo and Denver

3:00 PM – All sites except Buffalo

EOD – All sites

III. B- 1

B. KTT Web-based File Transfer The Key Total Treasury Internet File Transfer module allows clients to upload or download data files to/from KeyBank’s transmission platform using a PC and Internet browser. KTT is a Web-based system, so there’s no need to use special software. Clients can access Key Total Treasury from any Internet-enabled PC. For optimal performance, we advise clients that they should use only versions of Browsers and Operating Systems that are currently supported by the manufacturer. This does not mean that older versions of Browsers and Operating Systems will not work with KTT; it means that they may not work as well, or as efficiently, or certain functions may not operate as intended. To determine compatibility, a technical review may be arranged by contacting Key Total Treasury’s CBBC Team at 1-800-539-9039. This service also reports the status of data transfers. Retrieved files are available for a period of four days after the date of creation. Files that are not retrieved are available for 45 days. (Files that are more than five days old are removed at 2:00 A.M. ET the day after they are retrieved.)

System Requirements: Processor: 486 or higher RAM: 32 MB or higher Communication Method: 28.8 Modem or higher

(Key recommends DSL, cable, T1 or T3 lines) Encryption: Must support 128-bit Secure Socket Layer

(SSL) Encryption Secure Port: 443 Non-secure Port: 80 File Size: Smaller than 10 MB Protocol: HTTPS Data Characteristics: All data must be provided in appropriate

formats provided within this toolkit

Send/Receive Instructions: The following steps will be followed to send and/or retrieve files. These steps will also be utilized in the implementation phase during testing. During testing, users will select “Test File Transfer” in step 2d. instead of selecting “File Transfer.”

Step 1: Connect to the Internet

Step 2: Log into Key Total Treasury a. Go to www.key.com b. Click on the Corporate tab

Please note: Actual website screens may be updated from time to time. III. B- 2

http://www.key.com/

c. Enter your User ID and password in the Key Total Treasury section. (This information will be provided to you in a separate mailing.)

Please note: Actual website screens may be updated from time to time. III. B - 3


d. Click on the File Transfer module tab within KTT.

e. Select File Transfer


f. Select the type of file that you wish to send/retrieve.

g. Enter your mailbox ID along with the batch ID and the appropriate file (last two steps required only if sending files).

Only required for sending files


h. Select send to upload data or select view to download files. Depending on the function selected, you will be provided with a confirmation screen when the transfer is complete or a list of downloadable reports. Please Note: files that are formatted incorrectly or otherwise invalid will still trigger a confirmation notice. Please view the File Transfer History report to verify the receipt of a file.

Please note: Clients may choose the time they wish to send and/or receive data from KeyBank.


Report Instructions: On KTT, clients can view status and history reports related to data transfers performed through Key Total Treasury. Each report contains information about the data transfer itself, including: User, Date/Time, File Name, Batch ID, Status, File Type, File Size, and Direction (sent or received).

The History Report contains a list of all file transfers for a rolling 12 month period. The Status Report contains a list of files along with the associated status/process of the transfer. Both reports can be accessed from the File Transfer module on KTT. In order to view the status report, clients will have to enter the appropriate mailbox ID number.


III. C- 1

C. Encrypted File Transfer This service allows clients a simple, attended or unattended method for processing and/or retrieving files from Key. Once files are retrieved, they are removed from the system. Files that are not retrieved are available for 60 days. There are two standard methods that we employ to send and/or retrieve data:

1. FTP with PGP or TLS 2. AS-2

PGP, TLS, and AS2 enable information transmitted over public and private global networks to be digitally signed, secured, and nonrepudiated.

FTP KeyBank will only setup authenticated and encrypted FTP connections. FTP file transfers can occur in two ways: using our FTP Server or using a trading partner’s FTP Server. We prefer that trading partners connect to our FTP Server to place/retrieve files. This gives us greater control over the connection. The options for encrypting FTP traffic are TLS or PGP.

Pretty Good Privacy (PGP) is a computer program which can be used to encrypt the payload (the file being transferred) so no one but the intended recipient can read it. PGP encryption occurs prior to sending the file. The system that receives the file must have the corresponding PGP key to successfully decrypt the file.

Transport Layer Security (TLS) is used to encrypt the traffic over the network and ensures privacy between communicating applications and their users. TLS can only occur if both the FTP Client and the FTP Server support TLS/SSL. A valid server certificate is required on the FTP Server (or FTP Proxy). TLS is composed of two layers: the TLS Record Protocol and the TLS Handshake Protocol. The TLS Record Protocol provides connection security with an encryption method. The TLS Handshake Protocol allows the parties to authenticate each other and to negotiate an encryption algorithm and cryptographic keys before data is exchanged. A TLS handshake occurs at connection time to establish the TLS connection.

Specific FTP Configuration Plans • Enable TLS, but do not require (force) TLS on the FTP connection (some

trading partner’s may not support TLS) • Authentication required on FTP connection (no anonymous access) • Encryption of the payload file with PGP is required for those trading

partners who cannot support TLS

III. C- 2

AS2

AS2 is a real-time technology that provides security and encryption around the HTTP packets. AS2 file transfer is now used by many retail businesses. It has the advantage of providing built-in security features, such as support for digital signatures and encryption. AS2 specifies the means to connect, deliver, validate, and reply to (receipt) data in a secure and reliable way. Messaging features include support for MDN (Message Disposition Notice) to inform the sender of the success or failure of the file transfer. AS2 trading partners can be authenticated by the HTTP Reverse Proxy Server (SecureLink) and/or by digitally signing the message.

Specific AS2 Configuration Plans

• HTTP/S required • Support S/MIME (default), Support digital signing of AS2 messages • Enable basic authentication (username) for AS2 Relay in the DMZ • Support digital signing of AS2 messages • Enable basic authentication (username) for AS2 Relay in the DMZ

IV. Transmission Products andServices

IV. A- 1

A. Account Reconcilement (ARP)

Overview KeyBank’s ARP service helps to expedite your internal reconcilement process by providing you with a report of your paid checks, including: serial number, dollar amount, and date, along with any stop payments. Our full service also provides cancelled checks, paid exceptions, eCheck/ACH items, and outstanding checks (unpaid). KeyBank also provides payee verification (payee positive pay) as an added layer of protection. This service compares the payee information on items presented for payment to the issue data that you provide to us. Items that do not match the issue file are presented for your review.

ARP Guidelines • Clients should submit their file of issued checks as soon as possible after

checks are issued. For Positive Pay processing, the deadline is 11:00 P.M. ET on the day prior to the physical distribution of checks (this includes manually issued checks).

• Clients are responsible for validation of any Paid No Issue items on their Reconcilement as a result of an incomplete or missing issue file.

• Clients can manually enter Issue or Cancel information on the Account Management Module on KTT by utilizing the Check Issue Maintenance function.

• Checks that are manually added after the period-end reconciliation has been completed will be added to the next month’s reconciliation. Clients should complete these manually added items by the last day of their statement cycle.

• Clients will need to use the file date on all Canceled and Voided items, as using the issue date will change the Previous Outstanding Balance.

• Clients will automatically be granted access to the Daily Audit Listing Report on KTT. This report shows all Issues and Cancels on the previous day’s file. This report will be available for clients to review on KTT after 9:00 A.M. ET. In the event that an incorrect file was sent to KeyBank, you will need to have the file backed out. Please send an email to [email protected] for assistance with backing out the file. Please make sure that you include your name and phone number in the email with the subject line ”Need File Assistance”. An ARP associate will then call to assist you.

mailto:[email protected]

IV. A- 2

Clients that are not able to create positive pay files according to KeyBank’s standard formats can utilize our File Translator Tool to create their Positive Pay files. Please review the section below for further information.

KTT WBFT clients: Please note that the connectivity confirmation only indicates that a file has been received by KeyBank; it does not validate the contents of the file.

File Formats ARP Transmission Input Format

Record Format: EBCDIC or ASCII* Block Size: 8000 Record Length: 80

Column FIELD

# BEGIN END FIELD DESCRIPTION FORMAT

1 1 2 Region Code (unused) Blank or “00”

2 3 17 Account Number Numeric, Zero-Filled, Right Justified

3 18 27 Serial Number/Check Number Numeric, Zero-Filled, Right Justified

4 28 35 Date YYYYMMDD

5 36 45 Amount Numeric, Zero-Filled, Right Justified, no decimal point

6 46 46 Void Character “C” if void item, otherwise blank

THE FOLLOWING FIELD IS OPTIONAL:

7 47 61 Additional Data Alpha or Numeric

*If an ASCII format is used, the receiving mainframe will convert the file to EBCDIC format through a protocol converter. Report-type formats are not acceptable.

Example: < Account >< Serial > < Number >< Number >< Date >< Amount > 000000000001234560000060541199609010000030182C void item 000000000001234560000060544199609010000054555

IV. A- 3

Payee Transmission Format Specifications # BEGIN END FIELD DESCRIPTION FORMAT 1 1 2 Region Code (unused) Blank or “00”



4 28 35 Date CCYYMMDD


6 46 46 Void Character “C” if void item, otherwise blank

THE FOLLOWING FIELD IS REQUIRED*

7 47 61 Additional Data Alpha or Numeric

8 62 136 Payee line 1* Alpha or Numeric – as it appears on the check 9 137 211 Payee line 2* Alpha or Numeric - as it appears on the check

10 212 220 Filler Spaces *=Required Example:

< ACCOUNT # >< SERIAL #> < DATE ><AMOUNT> < PAYEE LINE 1> <PAYEE LINE 2> 000000012345678910003004121200410140000000569 CRAIG W CARNAHAN CHERYL A CARNAHAN 000000012345678910003004197200410130000091587 DOUGLAS R AUSDEMORE DONNA R AUSDEMORE 000000012345678910003004198200410120000393324 VLADIMIR V POLYSHCHUK VALERIE V POLYSHCHUK 000000012345678910005004884200410140000000673 M DOUGLAS GURLEY LAURA GURLEY

• Payee Line 1 is required for Payee Positive Pay. Payee Line 2 is only required when a 2nd Payee exists.

• The Additional Data field is used to input any information that is pertinent to your individual company to help identify payees, such as vendor name, employee ID, etc. Please note the Additional Data will show on your ARP Reconcilement reports.

IV. A- 4

ARP Transmission Output Format (Paid Items only) Record Format: EBCDIC Block Size: 9990 Record Length: 90

COLUMN FIELD # BEGIN END FIELD DESCRIPTION FORMAT 1 1 15 Account Number Numeric, Zero-Filled, Right Justified



4 36 41 Date MMDDYY

THE FOLLOWING FIELDS ARE OPTIONAL:

5 62 67 Issue Date MMDDYY

6 68 75 3890 Sequence Number* Numeric

7 76 90 Additional Data Alpha

Example: < Account >< Serial > < Number >< Number ><Amount>< Date> 00000001234567800000183350000006300070600

• The 3890 Sequence Number is the sequence number of your paid check. Additional Data Field fields are used to relay any information that is pertinent to your individual company to help identify payees, such as vendor name, employee ID, etc.

IV. A- 5

ARP Transmission Output Format (Complete File) Record Format: EBCDIC Block Size: 9990 Record Length: 90

FIELD COLUMN

# BEGIN END FIELD DESCRIPTION FORMAT




4 36 41 Paid Date MMDDYY

5 62 67 Issue Date MMDDYY

6 85 85 Item Indicators Alpha

Item Indicators are as follows: C- Cancel S- Stop P – PNI Checks are paid but not issued in ARP. R - Reconciled* O- Outstanding *R- Reconciled is a matched, paid item

IV. A- 6

MICR Quality Test Checks for Positive Pay Clients will need to send a test file that matches the test checks.

The service level for testing checks is seven business days from the receipt of the checks. Any failures identified during testing will be communicated to you by a phone call, and then followed-up with an email notification. Rejections will include specific corrections and recommendations that are required before newly created checks can be re-tested. If failures occur during testing, a new seven business day cycle will be required for additional testing. Changes to preprinted check stock must be tested and approved before production. MICR Quality Test Checks for Payee Name Verification (PNV) Positive Pay Clients will need to send a test file that matches the test checks.

The service level for testing checks is seven business days from the receipt of the checks. Any failures identified during testing will be communicated to you by a phone call, and then followed-up with an email notification. Rejections will include specific corrections and recommendations that are required before newly created checks can be re-tested. If failures occur during testing, a new seven business day cycle will be required for additional testing.

Payee Name Verification Best Practices and Recommendations

Font Type Times New Roman Courier Verdana Univers Tahoma Albertus Bookman Zurick

Font Size 10 to 24 points

IV. A- 7

Format Specifications

These recommendations will allow for appropriate spacing between individual letters allowing your Payee line portion of the check to read properly. • Set Pitch proportionate to Font • Use Upper-case Alphabetic Characters on your file and check • Do not use tags (decorative or script font) that could be misinterpreted

or act as connectors to the next character. (An example of a font using tags,ANNE SMITH)

• Do not use Bold or Italic effects • Do not use leading or trailing asterisks (****) • Do not use extraneous print in the Recognition Area • Do not use a Dot Matrix printer

Payee Line Format Spacing • Default font spacing must have a clear separation between individual

characters and between lines of text. • Minimum Separation between Payee lines of text is 0.050 inches • Printing must be dark enough for a Minimum Contrast Signal of 0.60

Check Background Payee Data

The area of the check in which the Payee Name and Address is printed must be white, or printed with a light pastel color of Print Contrast signal .30 or less and must extend at least .25 inches around the printing. There should be no other information, lines, symbols, or marks appearing in this region. This includes any type of security features added to check background.

Payee Format Specifications • Up to two lines of Payee Name information may be printed on the check

for Payee data review. • Up to 75 characters may be printed per line.

Character Match • The format of the Payee Name information printed on the check must

exactly match, character by character, the format of the payee name information submitted in the Issue list..

Recognition Coordinates – one set per Account • Location of the Payee Name(s) on the check and the Payee Font Type

cannot vary for a given Routing-Transit/Account Number combination as the Bank is only able to define one set of coordinates per account.

• If you are an existing KeyBank Full ARP service client, payee verification

begins at implementation date. We cannot process a history file of payee data, because that issuance information is already in our system.

IV. A- 8

IV. A- 9

KeyBank File Translator

You can create a data file in your accounting application and import the data into the File Translator software. The check issuance file will be formatted accordingly to KeyBank’s standards. This file can then be transferred to KeyBank via Transmission or WBFT via Key Total Treasury..

FAQs

1. What happens if transmission testing is not completed? Completing testing and sending files in a timely manner reduces the

number of exception items that clients must review and then pay or reject.

2. If I send a bad file, can I just resend a corrected file? No. Clients need to contact the ARP Operations mailbox

([email protected]) or call the assigned reconciler so that the bad file can be backed out of the ARP software. If the bad file is not backed out, the second file sent will reject because the check numbers are the same.

3. I have my KTT confirmation, but I don’t think the file was received because Positive Pay exceptions are showing. What’s wrong?

The file confirmation on KTT is a confirmation of connectivity. Actual file data cannot be validated until the file updates into the reconciliation software during Key’s nightly batch processing.

4. What is the purpose of my mailbox ID? The mailbox ID is your access to process a file on our KTT Web site. If

you send a file to an incorrect mailbox ID, it will not process.

5. Why do I have an Audit Listing Report for an account I did not send a file to?

The “lead account” processes all files sent, regardless of the account number. When a file is processed, the total items will show on the “lead account” and the detail will show on the Audit Report for the account the file was sent to.

6. If I convert from Standard Positive Pay to Positive Pay with Payee Name Verification, do I need to resend outstanding check data with the payee names?

No. KeyBank already has the issuance data. Any new data for the same check number will reject. An implementation date will be communicated once testing has successfully been completed. Only items issued after that date will go through the Payee Name Recognition process.


IV. A- 10

7. When will I start to review Positive Pay Exceptions on KTT? Items will be available for you to view during the testing phase. Contact

your Cash Management representative for your service start date.

8. What is the difference between service start date and implementation date?

Service state date is the date listed on the Client Service Order that is submitted by sales. The implementation date is the date testing is completed and the file moves into production.

IV. B- 1

B. ACH

Overview Debit and credit ACH transactions can be initiated by sending NACHA formatted files to KeyBank. KeyBank requires that an ACH file sent in through Direct File Origination or web-based file transfer be received no later than 9 p.m. ET one business day prior to the file settlement date. Sending your file in by 2 p.m. ET provides an opportunity for making minor changes to your file (if necessary) while still meeting the 8 p.m. ET deadline. KeyBank (like NACHA) recommends that Payroll files be originated two business days prior to settlement. While most files settle without incident, a two-day origination window provides additional assurance that a posting delay at the receiving financial institution will not impact your employees. Please Note: ACH files can be sent up until 8:00 P.M. ET; however, files received after 5:00 P.M ET that will be processed on the next business day will be assessed a late fee.

IV. B- 2

Position 8

Record Layout Sequence (NACHA format)

File Formats ACH/NACHA-Automated Clearing House/National Automated Clearing House Association

FILL USED TO COMPLETE LAST PHYSICAL BLOCK9999...99999

Position 9

ETC.

FILE CONTROL RECORD - ONE PER FILE - FIRST LOGICAL RECORD

Position 8

- ONE PER BATCHBATCH CONTROL RECORD

1ST ENTRY DETAIL RECORD

Position 6 ETC.

LAST ENTRY DETAIL RECORD

BATCH CONTROL RECORD

LAST ENTRY DETAIL RECORD

BATCH HEADER RECORD

Position 1 - ONE PER FILE - FIRST LOGICAL RECORD

Position 5 - ONE PER BATCH

BATCH HEADER RECORD

1ST ENTRY DETAIL RECORD

2ND ENTRY DETAIL RECORD

ETC.... Position 6

FILE HEADER RECORD

IV. B- 3

ACH Codes SERVICE CLASS CODES 200 ACH Entries Mixed Debits and Credits

220 ACH Credits Only 225 ACH Debits Only

280 ACH Automated Accounting Advices STANDARD ENTRY CLASS CODES CCD Cash Concentration or Disbursement CIE Customer Initiated Entries CTX Corporate Trade Exchanges

MTE Machine Transfer Entries POP Point of Purchase Entry

POS Point of Sale PPD Prearranged Payments and Deposits

RET Automated Returns RCK Re-presented Check Entry

SHR Shared Network Transaction TEL Telephone Initiated Entry TRC Truncated Entries TRX Truncated Entries (w/Addenda)

WEB Internet Initiated Entry XCK Destroyed Check Entry

TRANSACTION CODES Demand Credit Records (for checking, NOW, and share draft accounts) 20 Reserved 21 Automated Return or Notification of Change for original transaction code 22 or 23 22 Automated Deposit – Checking account credit entry 23 Prenotification of Demand Credit Authorization (non-dollar) 24 Zero dollar with remittance data (CCD, CTX) Demand Debit Records (for checking, NOW, and share draft accounts) 25 Reserved 26 Automated Return or Notification of Change for original transaction code 27 or 28 27 Automated Payment – Checking account debit entry 28 Prenotification of Demand Debit Authorization (non-dollar)29 Zero dollar with remittance data (CCD, CTX) Savings Account Credit Records 30 Reserved 31 Automated Return or Notification of Change for original transaction code 32 or 33 32 Automated Deposit – Savings account credit entry 33 Prenotification of Savings Credit Authorization (non-dollar) 34 Zero dollar with remittance data (CCD, CTX) Savings Account Debit Records 35 Reserved 36 Automated Return or Notification of Change for original transaction code 37 or 38 37 Automated Payment – Savings account debit entry 38 Prenotification of Savings Debit Authorization (non-dollar) 39 Zero dollar with remittance data (CCD, CTX) Loan Account Credit Records 51 Automated Return or Notification of Change for original transaction code 52,53, or 54. 52 Automated Loan Account Deposit (Credit) 53 Pre-notification of Loan Account Credits Authorization (non-dollar) 54 Zero dollar with remittance data (for CCD & CTX only) Loan Account Debit Records 55 Automated Loan Account Debit (Reversals Only) 56 Automated Return or Notification of Change for original transaction code 55 ADDENDA TYPE CODES 02 Point of Sale Entry (POS), Shared Network Transaction (SHR), or Machine Transfer Entry (MTE) terminal location

description. 05 Special Addenda Information (Addenda Record(s) apply to CCD, CIE, PPD and CTX entries and TRX 98 Automated Notification of Change 99 Automated Return Entry ADDENDA RECORD INDICATOR 0 No Addenda Record(s) follow

1 Addenda Record(s) follow ORIGINATOR STATUS CODES 1-- This code identifies the Originator as a depository financial institution which has agreed to be bound by the NACHA 2-- This code identifies the Originator as a federal government entity or agency not subject to the NACHA rules.

File Header Record (NACHA format)

FIELD POSITION

0 1

0 23

0 1 4567890123

1 2 4567890123

2 456789

3 0123

3 4

3 567

3 89

4 0

4 5 6 12345678901234567890123

6 7 8 45678901234567890123456

8 9 78901234

131211 10987654321FIELD #

xxxxxxxXYZ CORPORATIONKEYBANK110094AHHMMYYMMDDNNNNNNNNNNNNNNNNNNNN 01 1INFO

Field #

Field Position

Field Length Field Description

Definition

1 01-01 1 RECORD TYPE CODE FILE HEADER IDENTIFIER - MUST BE <1> 2 02-03 2 PRIORITY CODE FIXED INFORMATION-MUST BE <01> 3 04-13 10 IMMED. DESTINATION # *(1)* KEYBANK’S PROCESSING BANK R/T #

NOTE: FIELD RIGHT JUSTIFIED, BLANK FOLLOWED BY # 4 14-23 10 IMMEDIATE ORIGIN # *(1)* ORIGINATOR #-SHOULD BE TAXPAYER ID# OF COMPANY.

NOTE: FIELD RIGHT JUSTIFIED, BLANK FOLLOWED BY #

5 24-29 6 TRANSMISSION DATE DATE OF FILE CREATION-FORMAT

<YYMMDD> 6 30-33 4 TRANSMISSION TIME TIME OF FILE CREATION-FORMAT

<HHMM> 7 34-34 1 FILE ID MODIFIER ALPHANUMERIC CHARACTER TO UNIQUELY IDENTIFY

MULTIPLE FILES THAT WERE CREATED ON THE SAME DAY

8 35-37 3 RECORD SIZE RECORD SIZE-MUST BE <094>

9 38-39 2 BLOCKING FACTOR BLOCKING FACTOR-MUST BE <10> 10 40-40 1 FORMAT CODE FORMAT CODE-MUST BE <1> 11 41-63 23 DESTINATION NAME *(1)* PROCESSING BANK NAME 12 64-86 23 ORIGIN NAME *(1)* ORIGINATORS NAME-MUST BE NAME OF COMPANY 13 87-94 8 REFERENCE CODE OPTIONAL FIELD-AVAILABLE FOR COMPANY’S INTERNAL USE

*(1)* BANK MUST BE NOTIFIED PRIOR TO MAKING ANY CHANGES TO THIS FIELD

(NOTE: Routing and Transit Number is abbreviated as “R/T #” in this and subsequent record layouts.)

IV. B- 4

IV. B- 5

Company Batch Header Record (NACHA format) FIELD # 1 2 3 4 5 6 7 8 9 10 11 12 13

FIELD 0 0 0 1 2 2 3 4 4 5 5 5 6 6 7 7 7 8 8 9

POSITION 1 234 5678901234567890 12345678901234567890 1234567890 123 4567890123 456789 012345 678 9 01234567 8901234

INFO 5 2NN XYZ CORPORATION XXXXXXXXX NNNNNNNNNN PPD Entry Type xxxxxx YYMMDD 1 NNNNNNNN 0000001 Field #

Field Position


Definition

1 01-01 1 RECORD TYPE CODE BATCH HEADER IDENTIFIER - MUST BE <5> 2 02-04 3 SERVICE CLASS CODE TYPE OF ACH ENTRIES-200 = MIXED DEBITS AND CREDITS

220= CREDITS ONLY 225 = DEBITS ONLY 3 05-20 16 COMPANY NAME *(1)* COMPANY NAME - WILL APPEAR IN THIS FORM ON RECIPIENTS

CHECKING/SAVINGS ACCOUNT STATEMENT

4 21-40 20 CO. DISCRETIONARY DATA FIELD AVAILABLE FOR COMPANY USE

5 41-50 10 CO. IDENTIFICATION *(1)* COMPANY NUMBER 1 FOLLOWED BY 9 DIGIT CO TAX ID # OR FOR EACH DDA, A UNIQUE NUMBER FOLLOWED BY A COMPANY ASSIGNED ID

6 51-53 3 STD. ENTRY CLASS CODE *(1)* ENTRY CLASS (SEE PAGE IV. B-3)

7 54-63 10 CO. ENTRY DESCRIPTION *(1)* TRANSACTION TYPE - WILL APPEAR IN THIS FORM ON RECIPIENTS’ CHECKING/SAVINGS ACCOUNT STATEMENTS (i.e., <PAYROLL><PENSION><PAYMENTS>` 8 64-69 6 CO. DESCRIPTIVE DATA OPTIONAL DATE INFORMATION - COMPANY USE 9 70-75 6 EFFECTIVE ENTRY DATE DATE OF SETTLEMENT OF TRANSACTIONS - FORMAT <YYMMDD>

CREDIT ENTRIES SHOULD HAVE A 1-2 DAY SETTLEMENT DATE IN ADDITION TO THE BANK PROCESSING DAY. DEBIT ENTRIES SHOULD HAVE AN EFFECTIVE DATE OF ONE DAY IN ADDITION TO THE BANK PROCESSING DAY. BLANK OR INVALID EFFECTIVE ENTRY DATES WILL BE POPULATED WITH THE FIRST BUSINESS DAY FOLLOWING THE PROCESSING DAY. 10 76-78 3 SETTLEMENT DATE MUST BE BLANK (FOR BANK USE ONLY)

*(1)* BANK MUST BE NOTIFIED PRIOR TO MAKING ANY CHANGES TO THIS FIELD *When using multiple DDA Accounts, the number in position 41 can change.

IV. B- 6

Company Batch Header Record (NACHA format)- Continued Field # 11

12

13

Field Position 79-79

80-87

88-94

Field Length 1

8

7

Field Description ORIGINATOR STATUS CODE

ORIGINATION ID

BATCH NUMBER

*(1)*

Definition BANK STATUS MUST BE <1>

PROCESSING BANK R/T # = SHOULD BE KEYBANK’S R/T #

SEQUENTIAL NUMERIC BATCH # - STARTING WITH <0000001> *(1)* BANK MUST BE NOTIFIED PRIOR TO MAKING ANY CHANGES TO THIS FIELD

*When using multiple DDA Accounts, the number in position 41 can change.

Entry Detail Record (NACHA format)

INFO

FIELD #

0 1

1 2

4 5 8 9 012345678901234

7 9

7 78

5 6 7 5678901234567890123456 012345678901234

3 0123456789

1 2 34567890123456789

0 1 45678901

0 23

FIELD POSITION

11109875 642 31

0 NNNNNNNNNNNNNNN99999999999999 AAAAAAAAAAAAAAAAAA999999999999 $$$$$$ccRRRRTTTT C6 NN

Field #

Field Position

Field Length Field Description Definition

1 01-01 1 RECORD TYPE CODE ENTRY DETAIL IDENTIFIER - MUST BE <6>

2 02-03 2 TRANSACTION CODE TYPE OF TRANSACTION - SEE PAGE IV. B-3

3 04-11 8 ROUTING/TRANSIT NUMBER R/T # OF RECIPIENT’S FINANCIAL INSTITUTION

4 12-12 1 R/T # CHECK DIGIT R/T # CHECK DIGIT OF RECIPIENT’S FINANCIAL

INSTITUTION 5 13-29 17 INDIV. ACCOUNT NUMBER RECIPIENT’S ACCOUNT NUMBER - LEFT JUSTIFIED

NUMBERS <0-9> AND HYPHENS <-> ONLY, OMIT SPACES

6 30-39 10 AMOUNT AMOUNT OF TRANSACTION - MUST BE NUMERIC

7 40-54 15 INDIVIDUAL ID # NUMBER BY WHICH RECIPIENT IS KNOWN TO THE

COMPANY 8 55-76 22 INDIVIDUAL NAME RECIPIENT’S NAME 9 77-78 2 DISCRETIONARY DATA OPTIONAL FIELD - AVAILABLE FOR COMPANY’S INTERNAL

USE 10 79-79 1 ADDENDA INDICATOR ADDENDA RECORD INDICATOR - MUST BE <0> IF NO

ADDENDA 11 80-94 15 TRACE # FIRST 8 CHARACTERS SHOULD BE THE FIRST 8 DIGITS OF

KEYBANK’S R/T #, REMAINING 7 MUST BE SEQUENTIAL NUMBERS ASSIGNED BY COMPANY

IV. B- 7

Company Batch Control Record (NACHA format)

FIELD #

0 234

0 1 567890

1 2 1234567890

2 3 123456789012

3 4 345678901234

4 5 5678901234

5 6 7 5678901234567890123

7 456789

8 01234567

8 9 8901234

0 1

FIELD POSITION

11109875 63 41 2

NNNNNNNN 0000001$$$$$$$$$$cc NNNNNNNNNN 9999999999 $$$$$$$$$$$$$cc2NN 999999 INFO 8

Field #

Field Position


Definition

1 01-01 1 RECORD TYPE CODE BATCH CONTROL IDENTIFIER - MUST BE <8> 2 02-04 3 SERVICE CLASS CODE *(2)* TYPE OF ACH ENTRIES -

200 = MIXED DEBITS AND CREDITS 220 = CREDITS ONLY 225 = DEBITS ONLY

3 05-10 6 ENTRY/ADDENDA COUNT # OF RECORDS IN BATCH - MUST BE UNSIGNED NUMERIC 4 11-20 10 ENTRY HASH ACCUMULATION OF ROUTING/TRANSIT #s FROM ENTRY DETAIL

RECORDS (FIELD 3) NOTE: TRUNCATE HIGH ORDER DIGITS BEYOND 10 CHARACTERS

5 21-32 12 TOTAL DEBITS $ AMOUNT AMOUNT OF DEBITS IN BATCH - MUST BE UNSIGNED NUMERIC NOTE: IF NO DEBIT $ MUST BE <000000000000>

6 33-44 12 TOTAL CREDITS $ AMOUNT AMOUNT OF CREDITS IN BATCH - MUST BE UNSIGNED NUMERIC NOTE: IF NO CREDIT $ MUST BE <000000000000>

7 45-54 10 CO. IDENTIFICATION *(2)* COMPANY NUMBER - 1 FOLLOWED BY 9 DIGIT CO Tax ID # OR FOR EACH DDA, A UNIQUE NUMBER FOLLOWED BY A COMPANY ASSIGNED ID

8 55-73 19 RESERVED MUST BE LEFT BLANK 9 74-79 6 RESERVED MUST BE LEFT BLANK 10 80-87 8 ORIGINATION ID *(2)* PROCESSING R/T # - SHOULD BE KEYBANK’S R/T # 11 88-94 7 BATCH NUMBER *(2)* SEQUENTIAL NUMERIC BATCH # - STARTING WITH <0000001>

*(2)* MUST BE SAME AS BATCH HEADER OF SAME BATCH

IV. B- 8

File Control Record (NACHA format)

INFO

0 1 890123

0 1 234567 0 1 2 2 3

6789012345678901234578901245678901234 5 6 7 8 9 4 5

456789012345 234567890123 3 4

2345678901 45678901 FIELD POSITION

87654321FIELD #

$$$$$$$$$$cc9999999999 $$$$$$$$$cc999999 999999999 999999

Field #

Field Position

Field Length Field Description Definition

1 01-01 1 RECORD TYPE CODE FILE CONTROL IDENTIFIER - MUST BE <9> 2 02-07 6 BATCH COUNT # OF BATCHES IN FILE - MUST BE UNSIGNED NUMERIC,

THE VALUE OF THIS FIELD MUST BE THE SAME AS THE NUMBER OF BATCH HEADER RECORDS IN THE FILE

3 08-13 6 BLOCK COUNT # OF BLOCKS IN FILE - MUST BE UNSIGNED NUMERIC 4 14-21 8 ENTRY/ADDENDA COUNT # OF ENTRY DETAIL RECORDS IN FILE - UNSIGNED

NUMERIC 5 22-31 10 ENTRY HASH ACCUMULATION OF ROUTING/TRANSIT #s FROM ENTRY

DETAIL RECORDS (FIELD 3) NOTE: TRUNCATE HIGH ORDER DIGITS BEYOND 10 CHARACTERS

6 32-43 12 TOTAL DEBIT AMOUNT AMOUNT OF DEBITS IN FILE - MUST BE UNSIGNED NUMERIC NOTE: IF NO $ MUST BE <000000000000>

7 44-55 12 TOTAL CREDIT AMOUNT AMOUNT OF CREDITS IN FILE - MUST BE UNSIGNED NUMERIC NOTE: IF NO $ MUST BE <000000000000>

8 56-94 39 RESERVED MUST BE BLANK

IV. B- 9

Sample ACH Formats

Pre-authorized Payment and Deposit Entry (PPD) Entry Detail Record

Cash Collection and Disbursement Entry (PPD) Entry Detail Record

Record Type Code Individual

Identification Number

DFI Account number Discretionary

DataTrace NumberDFI ID #

Check Digit Addenda Record Indicator

AmountTransaction Code

Individual Name

Record Type Code Individual

Identification Number

DFI Account number Discretionary

DataTrace NumberDFI ID #

Check Digit Addenda Record Indicator

AmountTransaction Code

Individual Name

IV. B- 10

Corporate Trade Exchange Entry (CTX)

Entry Detail Record

Notification of Change Entry (NOC/COR) Entry Detail Record

Record Type Code Identification

NumberDiscretionary Data

DFI Account number

Receiving Company ID#

Trace Number

DFI ID #

Reserved Addenda Record Indicator

Check Digit Addenda Type Code

Number of Addenda Records

Amount

Trace Number

Addenda Record Indicator

Discretionary Data

Individual Name

Individual Identification Number

Amount

DFI Account number

Check Digit

DFI ID #

Record Type Code

Transaction Code

IV. B- 11

PPD, TEL, WEB Entry Detail Record

Trace Number

Addenda Record Indicator

Discretionary Data

Individual Name


DFI Account number

AmountCheck Digit

DFI ID #

Record Type Code

Transaction Code

Returns Entry Detail Record

Record Type Code

DFI ID # DFI Account number


Discretionary Data

Trace Number

Transaction Code

Amount Addenda Record Indicator

Individual Name

Check Digit

IV. B- 12

IV. B- 13

ACH Frequently Asked Questions

1. Can the ACH department assist clients with creating files from their internal software?

No. Clients must contact their own IT department or the software vendor for assistance with creating files.

2. How long after a valid test file is sent can a production file be sent? The standard is five business days after a valid test file is received and approved.

3. Can KeyBank accept CTX and CCD standard entry class codes? Yes. CCD transactions with one line of addenda information are accepted. CTX allows multiple lines of addenda information.

4. Do files have to be balanced? No, KeyBank prefers ACH files to be unbalanced.

5. Under what conditions is testing required. • When upgrading software • Name changes • When experiencing Hash total problems

6. What are the different types of Addenda? • Free form • Tax payments • Child Support

7. When are pre-notes required? Clients are required to pre-note with Tax payments

IV. C- 1

C. Batch Wires

Overview Batch wire transmissions enable clients to transmit transaction information generated from their internal systems to KeyBank’s wire platform. Batches can contain multiple wire types including domestic, international, and internal wires and even drawdowns. The wire transfer instructions are reviewed and released within minutes after receipt of the file. The system also provides an electronic confirmation which can be utilized to automatically update accounting systems. The Batch Wire Service can easily accommodate clients with large volumes of repetitive wires initiated multiple times per day or week.

IV. C- 2

Sample Batch

Data Description *AMT ABC07100020403111330190001 Batch header *FTR000100000162519196 NRF 000000050000.00 FTR Payment, non-repetitive 2FTR DBT=D/123456789012 BBK=A/021000089 -CITI BNF=11111111 -COMPANY XYZ OBI= Payment to Invoice 123 /FTR0001000001 *FTR000100000268087803 RPF 000000002747.20 FTR Payment, repetitive 2FTR 12345 DBT=D/123456789012 /FTR0001000002 *FTR000100000332730081 NRF 000000015000.00 DRC Drawdown, non-repetitive 2FTR ORG=D/12345687 - ABC COMPANY ACCOUNT Account at another FI DBT=D/123456789012 BBK=A/042000424 -PROVIDENT BNF=123456789012 - XYZ COMPANY CLEARING ACCOUNT Account name at KeyBank /FTR0001000003 *FTR000100000401029700 RPF 000000317451.08 FTR Payment, repetitive 2FTR 54321 DBT=D/123456789012 /FTR0001000004 *FTR000100000501029300 RPF 000000025000.00 DRC Drawdown, repetitive 2FTR 77012345 DBT=D/123456789012 /FTR0001000005 *FTR0001000006 NRFUSD 000000000001.00 FTR SWIFT transaction 2FTR 050207050207050208SWF Send today, value date tomorrow

IV. C- 3

DBT=D/1122334455 BBK=S/001:BKCHCNBJ All of our SWIFT reimbursement

paths are built to belong to our bank number 001. All SWIFT IDs should be prefaced with "001:" for best straight-thru processing results

BNF=D/31321321 -Bob the builder -Shanghai, China /FTR0001000006 *FTR0001000007 NRFUSD 000000000002.00 FTR SWIFT transaction, multiple

credit parties 2FTR 050207050207050208SWF Send today, value date tomorrow

DBT=D/1122334455 BBK=S/001:BKCHCNBJ All of our SWIFT reimbursement

paths are built to belong to our bank number 001. All SWIFT IDs should be prefaced with "001:" for best straight-thru processing results

BNF=D/31321321 -Bob the builder -Shanghai, China /FTR0001000007 /AMT ABC07100020403111330190001000000410201.2800007 Batch trailers 2AMT Both records are required

Batch Wire Formats

Batch Header Record:

IV. C- 4

Field Name Position Size Description Value for <Batch Name> Record_Type 01-04 PICX(4) Contains *AMT *AMT Reserved 05-10 PICX(6) Spaces Spaces Batch_ID 11--20 PICX(10) Uniquely identifies each batch sent into MTS. The format

of this field is up to the client but we recommend including the source, date, and sequence number. The source is a three character field assigned by Key Technology Services.

<source><julien date><Batch_Sequence>

Date_Time 21-32 PIC9(12) YYMMDDHHMMSS Example: 020719095117 Batch_Sequence 33-36 PIC9(4) Batch sequence within the current day. This number is

reset to 0001 every morning and each incremental batch increases this value by 1. Used to control duplicate batches.

Example: 0001, 0002, 0003, etc…

Reserved 37-44 PICX(8) Spaces Spaces Bank 45-47 PICX(3) Assigned by Key Bank Spaces unless instructed by KeyBank to use

another value Reserved 48-55 PICX(8) Spaces Spaces Comment 56-80 PICX(25) Text comment. Example: ABC Company Batch Wires

Funds Transfer Header Record 1:

IV. C- 5

Field Name Position Size Description Value for <Batch Name> Record_Type 01-04 pic x(4) Contains *FTR. *FTR Batch_Sequence 05-08 pic 9(4) This field must match the value in the batch header

record, positions 33-36. This number is reset to 0001 every morning and each incremental batch increases by 1. Used to control duplicate batches.

Example: 0001, 0002, 0003, etc…

Item_Sequence 09-14 pic 9(6) Sequence number of each transaction within this batch. Starts at 000001 and each transaction increases by 1.

000001, 000002, 000003, etc.

System_Ref 15-30 pic x(16) System Reference number that uniquely identifies this transaction. This information stays with the transaction history and is displayed in all inquiries, delivery confirmations, or debit confirmations. The format is completely up to the client. Key Bank recommends that the client populate this field with the batch_id from the batch header record appended by the item_sequence number in this record.

<source> <julian date> <batch_sequence> <Item_Sequence> Example: ABC2000001000001

Reserved 31-34 pic x(4) Reserved Spaces Type 35-36 pic x(2) NR if one-time wire or RP for repetitive transactions.

If a client has set up repeats with the wire room, this field indicates this transaction is using a pre-defined repeat specified in the 2FTR record immediately following this record.

"RP" or "NR"

FX_flag 37 pic x(1) T if foreign currency, else F if US dollars "F" or “T” Currency_Code 38-40 pic x(3) Currency ISO value if the client is sending a wire

overseas where the beneficiary will be paid in a foreign currency. Spaces default to US dollars. Currencies are limited to those traded by KeyBank.

Spaces, USD, or ISO currency code

Reserved 41-43 pic x(3) Spaces Spaces Amount 44-58 pic 9(12).99 The amount of the transaction in the selected

currency. Example: 000000000101.00 (15 digits including decimal)

Reserved 59 pic x(1) Spaces Spaces

IV. C- 6

Funds Transfer Header Record 1(continued):

Field Name Position Size Description Value for <Batch Name>

Tran_Type 60-62 pic x(3) Transaction type: blank (defaults to FTR), FTR=funds transfer, DRB=drawdown bank, DRC=drawdown customer.

FTR for a payment or DRC for a drawdown

Reserved 63 pic x(1) Space Space Flag1 64 pic x(1) Reserved by vendor Space Reserved 65 pic x(1) Space Space Reserved 66 pic x(1) Reserved by vendor Space Reserved 67-75 pic x(9) Spaces Spaces Bank 76-78 pic x(3) Identity of the bank that will process the transfer, this

will be assigned by KeyBank and the client will be advised what value to place in this field.

Example: 090, 042, 018, 056

Reserved 79 pic x(1) Space Space Reserved 80 pic x(1) Space Space

IV. C- 7

Funds Transfer Header Record 2:

Field Name Position Size Description Value for <Batch Name> Record_Type 01-04 PICX(4) Second FTR header record. This record is optional but

is required if the client is using a repeat or releasing a wire on a future date.

2FTR

Reverse_Flag 5 PICX(1) Reserved for future use. Must contain a space. Space Create_Date 06-11 PIC9(6) The date that the transaction was created.YYMMDD

format. It may be prior to the current date. Defaults to current date.

Example: 070919 or spaces. KeyBank recommends that clients use spaces in this field.

Release_Date 12-17 PIC9(6) The date on which the wire is to be sent. YYMMDD format. It may not be before the current date, but may be a future date for type FTR (funds transfer). Defaults to current date.

Example: 070919 or Spaces. KeyBank recommends that clients use Spaces for this field unless the transaction is to be future dated.

Reserved 18-23 PIC9(6) Spaces Spaces Reserved 24-26 PICX(3) Spaces Spaces Line_Sheet_No 27-34 PICX(8) Repetitive number (left_justify); Spaces if a non-

repetive. The type field in the *FTR header record must be set to “RP” if a repeat is used. Repetitive is assigned and maintained by the wire room.

Example: REP123 with two trailing spaces.

Reserved 35-37 PICX(3) Spaces Spaces Reserved 38-47 PICX(10) Spaces Spaces Reserved 48-50 PICX(3) Spaces Spaces Reserved 51-60 PICX(10) Spaces Spaces Reserved 61-63 PICX(3) Spaces Spaces Reserved 64-79 PIC9(16) Spaces Spaces Reserved 80 PICX(1) Space Space

IV. C- 8

Funds Transfer Text Records :

Field Name Position Size Description Value for <Batch Name> Originator (ORG): Generally this field is not used for payments (type FTR). It is use

when the batch sender is sending the payment on behalf of another party. The Originator record contains the information of that party. All of the ORG lines are optional, except the originator ID and originator name lines are required for drawdowns(DRB or DRC).

subrecord 1 , ORG ID The ORG ID line is a required line for drawdowns. Reserved 1 pic x(1) Control character, contains a space. Space field_tag 2--5 pic x(4) Contains ORG= , required for drawdowns. "ORG=" idtype 6 pic x(1) Space, required for drawdown Space delimiter 7 pic x(1) Required for drawdown "/" id 8--31 pic x(24) Originator ID. For a drawdown, this is the account to be

debited by the bank receiving the drawdown request and it is a required field.

subrecord 2, ORG name The ORG name line is required for a drawdown request. Reserved 1 pic x(1) Control character, contains a space, required if originator name i

specified Space

Reserved 2 pic x(1) Hyphen, required if originator name is specified "-" name 3--37 pic x(35) Originator name, this is the name on the account to be

debited by the bank receiving the drawdown request and it is a required field.

subrecord 3, org address1

Optional line

Reserved 1 pic x(1) Control character, contains a space Space Reserved 2 pic x(1) Hyphen "-" address-1 3--37 pic x(35) Originator address, line 1

IV. C- 9

Field Name Position Size Description Value for <Batch Name> subrecord 4, org address 2

Optional line

Reserved 1 pic x(1) Control character, contains a space Space Reserved 2 pic x(1) Hyphen "-" address-2 3--37 pic x(35) Originator address, line 2 subrecord 5, org address3

Optional line

Reserved 1 pic x(1) Control character, contains a space Space Reserved 2 pic x(1) Hyphen "-" address-3 3 - 37 pic x(35) Originator address, line 3

IV. C- 10

Field Name Position Size Description Value for <Batch Name> Originating Bank's Instructions (OBI)

All of the OBI fields are optional; If OBI is specified for a repetitive, the information is appended to any OBI information stored on a repetitive. If the combined OBI info exceeds four lines the info is truncated and the repetitive information takes precedence. If the repetitive does not have any OBI information stored, the info is sent as is.

subrecord 1 Optional line Reserved 1 pic x(1) Control character, contains a space Space field_tag 2--5 pic x(4) Contains OBI= "OBI=" instructions 6--40 pic x(35) obi instructions, line 1 subrecord 2 Optional line Reserved 1 pic x(1) Control character, contains a space Space Reserved 2 pic x(1) Hyphen "-" instructions 3--37 pic x(35) obi instructions, line 2 subrecord 3 Optional line Reserved 1 pic x(1) Control character, contains a space Space Reserved 2 pic x(1) Hyphen "-" instructions 3--37 pic x(35) obi instructions, line 3 subrecord 4 Optional line Reserved 1 pic x(1) Control character, contains a space Space Reserved 2 pic x(1) Hyphen "-" instructions 3--37 pic x(35) obi instructions, line 4

IV. C- 11

Field Name Position Size Description Value for <Batch Name> Debit party (DBT) Required; For repetitive transfers, the name and address lines

are optional. If these fields are supplied on a repetitive transfer and they do not match the previously supplied information, the wire will be routed to a supervisory hold queue. KeyBank recommends that clients do not use the name and address fields, so that the transaction will contain the information that is stored in the repetitive tables.

subrecord 1 Required line. Reserved 1 pic x(1) Control character, contains a space Space field_tag 2--5 pic x(4) Contains DBT= "DBT=" idtype 6 pic x(1) "D" or Space delimiter 7 pic x(1) Slash "/" id 8--31 pic x(24) Debit Party ID; For a fed transfer payment (FTR), this is the

account owned by the client that will be debited. For a drawdown (DRB or DRC), this is the client's master account or the account that owns the repeat.

subrecord 2 Optional line. Reserved 1 pic x(1) Control character, contains a space Space Reserved 2 pic x(1) Hyphen "-" name 3--37 pic x(35) Debit party name Spaces subrecord 3 Optional line. Reserved 1 pic x(1) Control character, contains a space Space Reserved 2 pic x(1) Hyphen "-" address-1 3--37 pic x(35) Debit party address, line 1 Spaces

IV. C- 12

Field Name Position Size Description Value for <Batch Name> subrecord 4 Optional line. Reserved 1 pic x(1) Control character, contains a space Space Reserved 2 pic x(1) Hyphen "-" address-2 3--37 pic x(35) Debit party address, line 2 Spaces subrecord 5 Optional line. Reserved 1 pic x(1) Control character, contains a space Space Reserved 2 pic x(1) Hyphen "-" address-3 3--37 pic x(35) Debit party address, line 3 Spaces

IV. C- 13

Field Name Position Size Description Value for <Batch Name> Bank to Bank Instructions (BBI)

Optional; If BBI is specified for a repetitive, the information is appended to any BBI information stored on a repetitive. If the combination exceeds six lines the new information is truncated and the repetitive information takes precedence.

subrecord 1 Optional line. Reserved 1 pic x(1) Control character, contains a space Space field_tag 2--5 pic x(4) Contains BBI= "BBI=" instructions 6--40 pic x(35) bbi instructions, line 1 subrecord 2 Optional line. Reserved 1 pic x(1) Control character, contains a space Space Reserved 2 pic x(1) Hyphen "-" instructions 3--37 pic x(35) bbi instructions, line 2 subrecord 3 Optional line. Reserved 1pic x(1) Control character, contains a space Space Reserved 2pic x(1) Hyphen "-" instructions 3--37pic x(35) bbi instructions, line 3 subrecord 4 Optional line. Reserved 1pic x(1) Control character, contains a space Space Reserved 2pic x(1) Hyphen "-" instructions 3--37pic x(35) bbi instructions, line 4 subrecord 5 Optional line. Reserved 1pic x(1) Control character, contains a space Space Reserved 2pic x(1) Hyphen "-" instructions 3--37pic x(35) bbi instructions, line 5 subrecord 6 Optional line. Reserved 1pic x(1) Control character, contains a space Space Reserved 2pic x(1) Hyphen "-" instructions 3--37pic x(35) bbi instructions, line 6

IV. C- 14

Field Name Position Size Description Value for <Batch Name> Intermediary Bank Optional: This field is not used for most wire transfers, usually

the beneficiary and beneficiary bank are the only parties required. These are described below. There may be instructions to route a wire transfer through an intermediary party. The IBK is used to define that party. IBK may be specified twice if two routing banks are involved in the transfer. An IBK is not allowed for drawdowns.

subrecord 1 Optional line. Reserved 1pic x(1) Control character, contains a space blank field_tag 02-05pic x(4) Contains IBK= "IBK=" idtype 6pic x(1) A =fedwire routing aba number, S=SWIFT address 8 or 11

characters Spaces

delimiter 7pic x(1) Slash "/" id 8 - 71pic x(64) Intermediary bank ID; must be appropriate for the IDTYPE

specified. All of our SWIFT reimbursement paths are built to belong to our bank number 001. All SWIFT IDs should be prefaced with "001:" for best straight-thru processing results

subrecord 2 Optional line. Reserved 1pic x(1) Control character, contains a space blank Reserved 2pic x(1) Hyphen "-" name 3 - 37pic x(35) Intermediary bank name subrecord 3 Optional line. Reserved 1pic x(1) Control character, contains a space blank Reserved 2pic x(1) Hyphen "-" address 3 - 37pic x(35) Intermediary bank address 1 subrecord 4 Optional line. Reserved 1pic x(1) Control character, contains a space blank Reserved 2pic x(1) Hyphen "-" Address 3 - 37pic x(35) Intermediary bank address 2 subrecord 5 Optional line. Reserved 1pic x(1) Control character, contains a space blank Reserved 2pic x(1) Hyphen "-" Address 3 - 37pic x(35) Intermediary bank address 3

IV. C- 15

Field Name Position Size Description Value for <Batch Name> Beneficiary's Bank Optional unless IBK is present. If there is no BBK field present,

the wire is a book transfer and the beneficiary account is at Key. Optional if repetitive. If the transaction is a funds transfer (FTR) this is the bank that will receive the funds to credit to the beneficiary. If this is a drawdown, this is the bank that has the account specified in the ORG lines to be debited.

subrecord 1 Required line, in most cases. Reserved 1pic x(1) Control character, contains a space blank field_tag 02-05pic x(4) Contains BBK= "BBK=" idtype 6pic x(1) A =fedwire routing aba number, S=SWIFT address 8 or 11

characters. Spaces

delimiter 7pic x(1) Slash "/" id 08-31pic x(24) Beneficiary’s bank ABA or SWIFT ID. If the ID is not known, this

field may be spaces if the following BBK name field is populated. All of our SWIFT reimbursement paths are built to belong to our bank number 001. All SWIFT IDs should be prefaced with "001:" for best straight-thru processing results

subrecord 2 Optional line. Reserved 1pic x(1) Control character, contains a space blank Reserved 2pic x(1) Hyphen "-" name 3 - 37pic x(35) Beneficiary's bank name subrecord 3 Optional line. Reserved 1pic x(1) Control character, contains a space blank Reserved 2pic x(1) Hyphen "-" address 3 - 37pic x(35) Beneficiary's bank address 1 subrecord 4 Optional line. Reserved 1pic x(1) Control character, contains a space blank Reserved 2pic x(1) Hyphen "-" address 3 - 37pic x(35) Beneficiary's bank address 2 subrecord 5 Optional line. Reserved 1pic x(1) Control character, contains a space blank Reserved 2pic x(1) Hyphen "-" address 3 - 37pic x(35) Beneficiary's bank address 3

IV. C- 16

Field Name Position Size Description Value for <Batch Name> Beneficiary Party Generally required, this line is optional if this is a repetitive

transfer. For a fed transfer payment, this is the account on the beneficiary bank that will receive the funds. If this is a drawdown, this is the client's KeyBank account that will receive the funds.

subrecord 1 Optional line Reserved 1pic x(1) Control character, contains a space space field_tag 02-05pic x(4) Contains BNF= "BNF=" bnf_id 6 - 71pic x(66) Beneficiary account id; This is the account number of the

beneficiary.

subrecord 2 Optional line, required if bnf_id is NOT specified. Reserved 1pic x(1) Control character, contains a space space Reserved 2pic x(1) Hyphen "-" name 3 - 37pic x(35) Beneficiary name subrecord 3 Optional line Reserved 1pic x(1) Control character, contains a space space Reserved 2pic x(1) Hyphen "-" instructions 3 - 37pic x(35) Beneficiary address line 1

IV. C- 17

Field Name Position Size Description Value for <Batch Name> subrecord 4 Optional line Reserved 1pic x(1) Control character, contains a space space Reserved 2pic x(1) Hyphen "-" instructions 3 - 37pic x(35) Beneficiary address line 2 subrecord 5 Optional line Reserved 1pic x(1) Control character, contains a space space Reserved 2pic x(1) Hyphen "-" instructions 3 - 37pic x(35) Beneficiary address line 3

IV. C- 18

Funds Transfer Trailer Record :

Field Name Position Size Description Value for <Batch Name> Record_Type 01-04 PICX(4) Contains /FTR /FTR Batch_Sequence 05-08 PIC9(4) In batch mode, must match the value in the batch

header. Example: 0001, 0002, 0003, etc…

Item_Sequence 09-14 PIC9(6) In batch mode, sequence within each batch starts at 000001. This must match the item_sequence number in the batch header.

Use FTR_Item_Sequence number from FTR Header 1 record.

FTR_System_Ref 15-30 pic x(16) This must match the ftr_system_ref in the batch header. Use FTR_system_ref from FTR Header 1 record.

Batch Trailer Record 1:

Field Name Position Size Description Value for <Batch Name> Record_Type 01-04 PICX(4) Contains /AMT /AMT Job_Name 05-10 PICX(6) Must match the login ID in the RMT record. Must match the job name in the

batch header. Batch_ID 11-20 PICX(10) Assigned by the transmitting system. Must match the batch_id field in the

batch header. Date_Time 21-32 PIC9(12) YYMMDDHHMMSS Must match the date_time field in

the batch header. Batch_Sequence 33-36 PIC9(4) Batch sequence within the current day. Must be

sequential. Must match the batch_sequence field in the batch header.

Transfer_Total 37-51 PIC9(12).99

Total amount for all funds transfers, securities transfers, and memo posts.

Example: 100000000000.00 (15 digits including decimal)

Transfer_Count 52-56 PIC9(5) Number of funds transfers and memo posts in the batch. Should be able to use item_sequence count in FTR Trailer record.

Testkey 57-72 PIC9(16) Computed testkey for the batch. Spaces

IV. C- 19

Batch Trailer Record 2

Field Name Position Size Description Value for <Batch Name> Record_Type 01-04 PICX(4) Contains /AMT 2AMT Ant_Total 05-19 PIC9(12).99 Amount of total anticipations Spaces Ant_Count 20-24 PIC9(5) Number of anticipations and

securities anticipations in the batch. May also contain item count when using *CUR Currency update records

Spaces

Adv_Total 25-39 PIC9(12).99 Amount total for advices Spaces Adv_Count 40-44 PIC9(5) Number of advices in batch. Spaces Adm_Total 45-59 PIC9(12).99 Amount total for administrative

messages. Spaces

Adm_Count 60-64 PIC9(5) Number of administrative messages in the batch.

Spaces

IV. D- 1

D. EDI

Financial EDI (FEDI) is the electronic exchange of payment instructions and remittance information. Financial EDI adds the additional component of funds transfer to the traditional exchange of information found in a typical EDI transaction. Payments are typically made via ACH and the remittance information is carried within ACH payments as addenda information.

KeyBank accepts inbound EDI files in a flat file or proprietary format. Outbound files can be presented in a flat file, proprietary, BAI, or Human Readable format. In addition to transmitting files through Key Total Treasury or Encrypted File Transfer. Please contact your Cash Management Sales Officer for questions on sending or receiving EDI files if you do not have the software necessary to create or translate EDI files.

Due to the various versions of EDI Software, sample file formats have not been provided in this toolkit. KeyBank supports ANSI X12 versions up to and including version 4050. To request a sample file format for any of the transaction sets listed below, please send an email to [email protected].

820 Payment Order/Remittance Advice Origination and Receipt Description: This Draft Standard for Trial Use contains the format and establishes the data contents of the Payment Order/Remittance Advice Transaction Set (820) for use within the context of an Electronic Data Interchange (EDI) environment. The transaction set can be used to make a payment, send a remittance advice, or make a payment and send a remittance advice. This transaction set can be an order to a financial institution to make a payment to a payee. It can also be a remittance advice identifying the detail needed to perform cash application to the payee's accounts receivable system. The remittance advice can go directly from payer to payee, through a financial institution, or through a third party agent.

821 Financial Information Reporting Receipt Description: This transaction set can be used to report balances, detail and summary financial transactions, and other related account information. It can be used by financial institutions and their agents to report to their clients. KeyBank reports data (checks cleared) back to the client in response to inbound 828 files. 821s are typically generated on the 8th business day of the month.

822 Customer Account Analysis Receipt Description: Daily Account Analysis data is loaded into the information reporting module on KTT. Monthly account analysis data can be transmitted to EDI trading partners.


IV. D- 2

823 Lockbox Receipt Description: KeyBank can translate Lockbox items received into the ANSI X12 823 standard Lockbox format and deliver electronically to clients.

824 Application Advice Receipt Description: Detailed Acknowledgement of files received after translation.

828 Debit Authorization Origination Description: A file of checks that have been issued for payment. This serves as the authorization for the payment of checks presented, provided they match the information contained in the 828 file. This transaction set can be used to add new authorizations or cancel existing authorizations. Either one-time or recurring debits can be authorized with this transaction set. One transaction set can be used to identify multiple debit authorization details against one bank account.

835 Healthcare Payment Order/ Remittance Advice Origination and Receipt Description: KeyBank can originate ACH payments from an 835 file that is transmitted to us. KeyBank can apply ACH payments received via 835 files to the client’s account and deliver the data in the standard format or a proprietary format.

997 Functional Acknowledgement Receipt Description: Acknowledgement of Communications prior to the translation of a file.

EDI Information Flow

IV. D- 3

IV. E- 1

E. BAI2 The BAI2 format is a National standard for bank reporting. KeyBank supports the BAI2 format. Detailed information on the BAI2 report format can be downloaded by visiting the Bank Administration Institutes website at http://www.bai.org/operations/faq.asp

The following types of reports can be transmitted in a BAI2 format:

CDA: KeyBank’s Controlled Disbursement Account (CDA) provides you with the early morning check presentment information needed to make accurate funding and investment decisions. Total check presentments are reported with a unique BAI code and individual dollar amounts. First and Second presentments are reported at the following times, depending on where your account is located.

Location 1st send 2nd Send OH 8:00 A.M. ET 10:00 A.M. ETNY 8:00 A.M. ET 10:00 A.M. ET UT 10:00 A.M. ET 1:15 P.M. ETAK 10:00 A.M. ET 2:00 P.M. ET

Intraday ACH The intraday ACH report will provide details of current day ACH transactions including debits and credits, along with the amount of the transaction and a brief description.

Lockbox KeyBank provides deposit information for items collected at lockbox locations. Your report will contain the box number, deposit amounts, and float detail. Additional information is included in the lockbox section.

Previous Day report The Previous Day balance report contains prior day account status, account summary, and account detail transactions with description and reference information. The report will contain summary only or summary and detail information, depending on the level of detail requested. The summary information included on this report can be utilized to determine your beginning cash position for the current day.

KeyTRAC KeyBank’s KeyTRAC works through a Zero Balance Account (ZBA) relationship. A subsidiary ZBA account is opened for each store or location. The KeyTRAC report provides a previous day summary and detailed balance information for the master account. Each transaction contains a location or store identifier.

http://www.bai.org/operations/faq.asp

IV. E- 2

Comprehensive listing of BAI Codes Type Level Type Code Description Type Level Type Code Description Code Code010 Status Opening Ledger 100 Status Total Credits

011 Status Average Opening Ledger MTD 101 Summary Total Credit Amount MTD 012 Status Average Opening Ledger YTD 102 Summary Total Number of Credits 015 Status Closing Ledger 103 Summary Total Number of Misc & Other Credits 020 Status Average Closing Ledger MTD 104 Summary Credits Available 021 Status Average Closing Ledger - Last Month 105 Summary Credits - One Day Float 022 Status Aggregate Balance Adjustments 106 Summary Credits - Two Day Float 024 Status Average Closing Ledger YTD - Last Month 107 Summary Total Adjustment Credits YTD 025 Status Average Closing Ledger YTD 108 Summary Number of Adjustment Credits YTD 030 Status Current Ledger 109 Summary Current Day Total Lockbox Deposits 039 Status Opening Avail + Same Day ACH & DTC 110 Summary Total Lockbox Credits

Deposit 040 Status Opening Available 111 Summary Lockbox Deposit - Zero Day Float041 Status Average Opening Available MTD 112 Summary Lockbox Deposit - One Day Float 042 Status Average Opening Available YTD 113 Summary Lockbox Deposit - Two Day Float 043 Status Average Available - Previous Month 115 Detail Lockbox Deposit 045 Status Closing Available 116 Detail Item in Lockbox Deposit 050 Status Average Closing Available MTD 117 Summary Total Number of Lockbox Credits 051 Status Average Closing Available - Last Month 118 Detail Lockbox Adjustment Credit 054 Status Average Closing Available YTD - Last Month 130 Summary Total Concentration Credits 055 Status Average Closing Available YTD 131 Summary DTC Deposit - Zero Day Float 056 Status Loan Balance 132 Summary DTC Deposit - One Day Float 057 Status Total Investment Position 133 Summary DTC Deposit - Two Day Float 059 Status Current Available (CRS Suppressed) 134 Summary Num Conc Credits Total Number of

Concentration Credits 060 Status Current Available 135 Detail DTC Concentration Credit 061 Status Average Current Available MTD 136 Detail Item in DTC Deposit 062 Status Average Current Available YTD 137 Summary Total Number DTC Concentration Credits 063 Status Total Float 140 Summary Total ACH Credits 065 Status Target Balance 141 Summary Total Number of ACH Credits 066 Status Adjusted Balance 142 Detail ACH Credit Received 067 Status Adjusted Balance MTD 145 Detail ACH Concentration Credit 068 Status Adjusted Balance YTD 150 Summary Total Preauthorized Payment Deposits 070 Status Zero Day Float 151 Summary PAC Deposit - Zero Day Float 072 Status One Day Float 152 Summary PAC Deposit - One Day Float 073 Summary Aggregate Float Adjustment 153 Summary PAC Deposit - Two Day Float 074 Status Two or More Day Float 154 Summary Total Number Preauthorized Pymt Credits 075 Status Three and Over Day Float 155 Detail Preauthorized Draft Credit 076 Status Adjustment to Balances 156 Detail Item in PAC Deposit 077 Status Average Adjustment to Balances MTD 162 Summary Corporate Trade Pymt Settlement 078 Status Average Adjustment to Balances YTD 163 Summary Corporate Trade Payment Credits 079 Status Four Day Float 164 Detail Corporate Trade Payment Credit 080 Status Five Day Float 165 Detail Preauthorized ACH Credit 081 Status Six Day Float 166 Detail ACH Settlement 082 Status Average One Day Float MTD 167 Summary ACH Settlement Credits 083 Status Average One Day Float YTD 168 Detail ACH Return Item or Adjustment

Settlement 084 Status Average Two Day Float MTD 169 Detail Miscellaneous ACH Credit 085 Status Average Two Day Float YTD 170 Summary Total Other Check Deposits 086 Summary Zero Day Float - Late 171 Detail Individual Loan Deposit087 Summary One Day Float - Late 172 Detail Deposit Correction 088 Summary Two Day Float - Late 173 Detail Bank Prepared Deposit 089 Summary Three Day Float - Late 174 Detail Other Deposit 090 Summary Four Day Float - Late 175 Detail Check Deposit Package 091 Summary Five Day Float - Late 176 Summary Total Number of Checks Deposited 092 Summary Six Day Float - Late 177 Summary Total Number of Deposits 098 Summary Total Deposits Subject to Float 178 Summary List Post Credits 099 Summary Late Deposit Amount 179 Summary Total Number of List Post Credits

IV. E- 3

Type Level Type Code Description Type Level Type Code Description Code Code180 Summary Total Loan Proceeds 249 Detail Miscellaneous Security Credit181 Summary Total Number of Loan Deposits 250 Summary Total Checks Posted Returned 182 Summary Total Bank Prepared Deposits 251 Summary Total Debit Reversals 183 Summary Number of Bank Prepared Deposits 252 Detail Debit Reversal 184 Detail Drafts 253 Summary Total Number of Debit Reversals 186 Summary Total Cash Letter Credits 254 Detail Posting Error Correction Credit 187 Detail Cash Letter Credit 255 Detail Check Posted and Returned 189 Detail Letter Adjustment 256 Summary Total ACH Return Items 190 Summary Total Incoming Money Transfers 257 Detail Individual ACH Return Item191 Detail Incoming International Money Transfer 260 Summary Total Rejected Credits 192 Summary Total Number of Wire Transfer Credits 261 Detail Individual Rejected Credit 193 Detail INCOMING FRB MONEY TRANSFER 263 Detail Overdraft 195 Detail Incoming Money Transfer 266 Detail Return Item 196 Detail Money Transfer Adjustment 268 Detail Return Item Adjustment 198 Detail Compensation 270 Summary Total ZBA Credits 200 Summary Total Automatic Transfer Credits 271 Summary Net Zero Balance Amount 201 Detail Individual Automatic Transfer Credit 272 Summary Total Number of ZBA Credits 202 Detail Bond Operations Credit 275 Detail ZBA Credit 203 Summary Tot Num Credits + Incoming Wire Transfer 276 Detail CMA Float Adjustment 205 Summary Total Book Transfer Credits 277 Detail CMA Credit Transfer 206 Detail Book Transfer Credit 280 Summary Total Controlled Disbursing Credits 207 Summary Tot International Money Transfer Credits 281 Detail Controlled Disbursing Credit 208 Detail International Money Transfer Credit 282 Summary Num of Controlled Disbursing Credits 210 Summary Total International Credits 285 Summary Total DTC Disbursing Credits 211 Summary Total Number of International Credits 286 Detail Individual DTC Disbursing Credit 212 Detail Foreign Letter of Credit 287 Summary Total Number of DTC Disbursing Credits 213 Detail Letter of Credit 290 Summary Total ACH Credits 214 Detail Foreign Exchange Credit 292 Summary Total Cash Letter Credits 215 Summary Total Letters of Credit 293 Detail Cash Letter Credit 216 Detail Foreign Remittance Credit 294 Summary Total ATM Credits 218 Detail Foreign Collection Credit 295 Detail ATM Credit 221 Detail Foreign Check Purchase 296 Summary Correspondent Bank Deposit - 0 Day

Float 222 Detail Foreign Check Deposited 297 Summary Correspondent Bank Deposit - 1 Day

Float 223 Summary Number of Foreign Checks Deposited 298 Summary Correspondent Bank Deposit - 2 Day

Float 224 Detail Commission 299 Summary Number of Correspondent Bank Deposits 226 Detail International Money Market Trading 300 Summary Number of ACH DTC Credits 227 Detail Standing Order 301 Detail Commercial Deposit 229 Detail Miscellaneous International Credit 302 Summary Correspondent Bank Deposit 230 Summary Total Security Credits 303 Summary Total Wire Transfers In - FF 231 Summary Total Collection Credits 304 Summary Total Wire Transfers In - CHF 232 Detail Sale of Debt Security 305 Summary Total Fed Funds Sold 233 Detail Securities Sold 306 Detail Fed Funds Sold 234 Detail Sale of Equity Security 307 Summary Total Trust Credit 235 Summary Total Number of Security Credits 308 Detail Trust Credit 236 Detail Maturity of Debt Security 309 Summary Total Value Dated Funds 237 Detail Individual Collection Credit 310 Summary Total Commercial Deposits 238 Detail Collection of Dividends 311 Summary Total Number of Trust Credits 239 Summary Total Bankers Acceptances Credits 312 Summary Commercial Deposit - 0 Day Float240 Detail Coupon Collections - Banks 313 Summary Commercial Deposit - 1 Day Float 241 Detail Bankers Acceptances 314 Summary Commercial Deposit - 2 Day Float 242 Detail Collection of Interest Income 315 Summary Total International Credits - FF 243 Detail Miscellaneous Securities Credit 316 Summary Total International Credits - CHF 244 Detail Interest-Matured Principal Payment 318 Summary Total Foreign Check Purchased 245 Summary Monthly Dividend 320 Summary Total Securities Sold - FF 246 Detail Commercial Paper 321 Summary Total Securities Sold - CHF 247 Detail Capital Change 324 Summary Total Securities Matured - FF 248 Detail Savings Bond Sale Adjustment 325 Summary Total Securities Matured - CHF

IV. E- 4

Type Level Type Code Description Type Level Type Code Description Code Code326 Summary Total Securities Interest 393 Detail Itemized Credit Over $10,000327 Summary Total Securities Matured 394 Detail Number of Credits Not Detailed 328 Summary Total Securities Interest - FF 395 Detail Check Reversal 329 Summary Total Securities Interest - CHF 396 Detail Regular Collection Credit 330 Summary Total Escrow Credits 397 Detail Float Adjustment 331 Detail Individual Escrow Credit 398 Detail Miscellaneous Fee Refunds 332 Summary Total Misc Securities Credits - FF 399 Detail Miscellaneous Credit 336 Summary Total Misc Securities Credits - CHF 400 Status Total Debits 338 Summary Total Securities Sold 401 Status Total Debit Amount MTD 340 Summary Total Broker Deposits 402 Summary Total Number of Debits341 Summary Total Broker Deposits - FF 403 Summary Today's Total Debits 342 Detail Broker Deposit 404 Summary Debits Available 343 Summary Total Broker Deposits - CHF 405 Summary Total DB Less Wire TR & Chargebk 344 Detail Individual Back Value Credit 406 Summary Debits - Two Day Float 345 Detail Item in Brokers Deposit 407 Summary Debits - One Day Float 348 Summary Total Commercial Collections 408 Detail Float Adjustment 349 Detail Commercial Collection 409 Summary Total Number of Misc & Other Debits350 Summary Investment Sold 410 Summary Total YTD Adjustment 351 Detail Individual Investment Sold 411 Summary Number of YTD Adjustment Debits 352 Summary Total Cash Center Credits 415 Detail Lockbox Debit 353 Detail Cash Center Credit 416 Summary Total Lockbox Debits 354 Detail Interest Credit 417 Summary Total Number of Lockbox Debits 355 Summary Investment Interest 430 Summary Total Payable Thru Drafts 356 Summary Total Credit Adjustment 431 Summary Total Number of Payable Thru Drafts357 Detail Credit Adjustment 435 Detail Payable Thru Draft (PTD) 358 Detail YTD Adjustment Credit 445 Detail ACH Concentration Debit 359 Detail Interest Adjustment Credit 450 Summary Total ACH Debits 360 Summary Total CR Less Wire Tran & Retd Chks 451 Detail ACH Debit Received 361 Summary Grnd Total CR Less Grnd Total DB 455 Detail Preauthorized ACH Debit 362 Detail Correspondent Collection 460 Summary Total Number of ACH Debits 363 Detail Correspondent Collection Adjustment 462 Detail Account Holder Initiated ACH Debit 364 Detail Loan Participation 463 Summary Corporate Trade Payment Debits 366 Detail Currency & Coin Deposited 464 Detail Corporate Trade Payment Debit 367 Detail Food Stamp Letter 465 Summary Corporate Trade Pymt Settlement 368 Detail Food Stamp Adjustment 466 Detail ACH Settlement 369 Detail Clearing Settlement Credit 467 Summary ACH Settlement Debits 370 Summary Back Value CR Total Back Value Credits 468 Detail ACH Return Item or Adjustment

Settlement 371 Summary Back Value CR # Back Value Credit Number 469 Detail Miscellaneous ACH Debit 372 Detail Back Value Adjustment 470 Summary Total Checks Paid 373 Detail Customer Payroll 471 Summary Total Checks Paid - Cumulative MTD374 Detail FRB Statement Recap 472 Summary Total Number of Checks Paid 375 Detail Number of Credit Items 473 Summary Total Number of Loan Payments 376 Detail Savings Bond Letter or Adjustment 474 Detail Certified Check Debit 377 Detail Treasury Tax & Loan Credit 475 Detail Check Paid 378 Detail Transfer of Treasury Credit 476 Detail Federal Reserve Bank Letter Debit 379 Detail FRB Gov't Checks Cash Letter Credit 477 Detail Bank Originated Debit 380 Status Transfer Calc Transfer Calculation 478 Summary List Post Debits 381 Detail FRB Gov't Check Adjustment 479 Summary Total Number of List Post Debits 382 Detail FRB Postal Money Order Credit 480 Summary Total Loan Payment 383 Detail FRB Postal Money Order Adjustment 481 Detail Individual Loan Payment 384 Detail FRB Cash Letter Auto Charge Credit 482 Summary Total Bank-Originated Debits 385 Summary Universal Credit Total Universal Credit 483 Summary Number of Bank-Originated Debits 386 Detail FRB Cash Letter Auto Charge Adjustment 484 Detail Drafts 387 Detail FRB Fine Sort Cash Letter Credit 485 Detail DTC Debit 388 Detail FRB Fine Sort Adjustment 486 Summary Total Cash Letter Debits 389 Summary Total Freight Payment Credits 487 Detail Cash Letter Debit 390 Summary Total Miscellaneous Credits 489 Detail Cash Letter Adjustment 391 Detail Universal Credit 490 Summary Total Outgoing Money Transfers 392 Detail Freight Payment Credit 491 Detail Outgoing Internal Money Transfer

IV. E- 5

Type Level Type Code Description Type Level Type Code Description Code Code492 Summary Total Number of Wire Transfer Debits 568 Detail Return Item Adjustment493 Detail OUTGOING FRB MONEY TRANSFER 570 Summary Total ZBA Debits 495 Detail Outgoing Money Transfer 572 Summary Total Number of ZBA Debits 496 Detail Money Transfer Adjustment 575 Detail ZBA Debit 498 Detail Compensation 577 Detail ZBA Debit Transfer 500 Summary Total Automatic Transfer Debits 580 Summary Total Controlled Disbursing Debits 501 Detail Individual Automatic Transfer Debit 581 Detail Individual Controlled Disbursing Debit 502 Detail Bond Operations Debit 582 Summary Total No. of Controlled Disbursing Debits 503 Summary Total Num of DB + Outgoing Wire Transfers 583 Summary Total Disbursements Early Amount 505 Summary Total Book Transfer Debits 584 Summary Total Disbursements Late Amount 506 Detail Book Transfer Debit 585 Summary Disbursing Funding Requirement 507 Summary Total International Money Transfer Debits 590 Summary Total DTC Debits 508 Detail International Money Transfer Debit 591 Detail DTC Debit 510 Summary Total International Debits 592 Summary Total LockBox Debits 511 Summary Total Number of International Debits 593 Detail LockBox Debit 512 Detail Letter of Credit Debit 594 Summary Total ATM Debits 513 Detail Letter of Credit 595 Detail ATM Debit 514 Detail Foreign Exchange Debit 596 Summary Total ARP Debits 515 Summary Total Letters of Credit 597 Detail ARP Debit 516 Detail Foreign Remittance Debit 598 Summary Total Controlled Disbursing Debits 518 Detail Foreign Collection Debit 599 Detail Controlled Disbursing Debit 522 Detail Foreign Checks Paid 600 Summary Number of Controlled Disbursing Debits 524 Detail Commission 601 Summary Estimated Total Disbursements 526 Detail International Money Market Trading 602 Summary Total C.D.A. Adjustments 527 Detail Standing Order 610 Summary Total Funds Required529 Detail Miscellaneous International Debit 611 Summary Total Wire Transfers Out - CHF 530 Summary Total Security Debits 612 Summary Total Wire Transfers Out - FF 531 Detail Securities Purchased 613 Summary Total International Debits - CHF 532 Summary Total Amount of Securities Purchased 614 Summary Total International Debits - FF 533 Detail Security Collection Debit 615 Summary Total Fed Res Bk - Comm Bk Debits 534 Summary Total Misc Securities DB - FF 616 Detail Fed Reserve Bank - Commercial Bank

Debits 535 Detail Purchase of Equity Securities 617 Summary Total Securities Purchased - CHF 536 Summary Total Misc Securities DB - CHF 618 Summary Total Securities Purchased - FF 537 Summary Total Collection Debit 619 Summary Total Commercial Loan Payment 539 Summary Total Bankers Acceptances Debit 620 Detail Commercial Loan Payment540 Detail Coupon Collection Debit 621 Summary Total Broker Debits - CHF 541 Detail Bankers Acceptances 622 Detail Broker Debit 542 Detail Purchase of Debt Securities 623 Summary Total Broker Debits - FF 543 Summary Total Number of Security Debits 625 Summary Total Broker Debits 544 Detail Interest-Matured Principal Payment 626 Summary Total Fed Funds Purchased 546 Detail Commercial Paper 627 Detail Fed Funds Purchased 547 Detail Capital Change 628 Summary Total Cash Letter Debits 548 Detail Saving Bonds Sales Adjustment 629 Detail Cash Center Debit 549 Detail Miscellaneous Security Debit 630 Summary Total Debit Adjustments 550 Summary Total Deposited Items Returned 631 Detail Debit Adjustment 551 Summary Total Credit Reversals 632 Summary Total Trust Debits 552 Detail Credit Reversal 633 Detail Trust Debit 553 Summary Total Number of Credit Reversals 634 Detail YTD Adjustment Debit 554 Detail Posting Error Correction Debit 636 Summary Total Number of Trust Debits 555 Detail Deposited Item Returned 640 Summary Total Escrow Debits 556 Summary Total ACH Returned Items 641 Detail Individual Escrow Debit 557 Detail Individual ACH Return Item 644 Detail Individual Back Value Debit 560 Summary Total Rejected Debits 646 Summary Transfer Calculation Debit 561 Detail Individual Rejected Debit 650 Summary Investment Purchased 563 Detail Overdraft 651 Detail Individual Investment Purchased564 Detail Overdraft Fee 654 Detail Interest Debit 566 Detail Return Item 655 Summary Total Investment Interest Debits 567 Detail Return Item Fee 659 Detail Interest Adjustment Debit

IV. E- 6

Type Level Type Code Description Code 662 Detail Correspondent Collection Debit663 Detail Correspondent Collection Adjustment664 Detail Load Participation 666 Detail Currency & Coin Shipped 667 Detail Food Stamp Letter 668 Detail Food Stamp Adjustment 669 Detail Clearing Settlement Debit 670 Summary Total Back Value Debits 671 Summary Back Value Debit Number 672 Detail Back Value Adjustment 673 Detail Customer Payroll 674 Detail FRB Statement Recap 676 Detail Savings Bond Letter or Adjustment 677 Detail Treasury Tax & Loan Debit 678 Detail Transfer of Treasury Debit 679 Detail FRB Gov't Checks Cash Letter Debit 681 Detail FRB Gov't Check Adjustment 682 Detail FRB Postal Money Order Debit 683 Detail FRB Postal Money Order Adjustment 684 Detail FRB Cash Letter Auto Charge Debit 685 Summary Total Universal Debits 686 Detail FRB Cash Letter Auto Charge Adjustment687 Detail FRB Fine Sort Cash Letter Debit 688 Detail FRB Fine Sort Adjustment 689 Summary Total Freight Payment Debits 690 Summary Total Miscellaneous Debits 691 Detail Universal Debit 692 Detail Freight Payment Debit 693 Detail Itemized Debit Over $10,000 694 Detail Deposit Reversal 695 Detail Deposit Correction Debit 696 Detail Regular Collection Debit 697 Detail Loan Payment Debit 698 Detail Miscellaneous Fees 699 Detail Miscellaneous Debit 750 Detail H.O.P. First Send 751 Detail H.O.P. Second Send 950 Detail H.O.P. FIRST SEND 951 Detail H.O.P. SECOND SEND 960 Detail H.O.P. FIRST SEND 961 Detail H.O.P. SECOND SEND 1015 Status Opening Ledger 1040 Status Opening Collected 1045 Status Closing Available 1065 Status Less Target Collected Balance 1072 Summary One Day Float 1087 Status MTD Average Collected Balance 1088 Status MTD Average Negative Collected Balance2070 Summary Interim Zero Day Float 2072 Summary Interim 1 Day Float 2074 Summary Interim 2+ Day Float 2100 Summary Current Day Credits 2102 Summary Number of Credits 2400 Summary Current Day Debits 2402 Summary Number of Debits 3030 Status Interim Ledger 3040 Status Opening Collected 3060 Status Interim Collected 3064 Status Suggested Usable Funds

IV. E- 7

File Examples Below are examples of the Intraday files. These files are all typically sent separately since the data comes from separate areas and comes in at different times.

CDA: KeyBank’s Controlled Disbursement Account (CDA) provides you with the early morning check presentment information needed to make accurate funding and investment decisions. Total check presentments are reported with a unique BAI code and individual dollar amounts. Our Final presentment is reported at the following times, depending on where your account is located.

Location Final Presentment OH 9:00 A.M. Local Time NY 9:00 A.M. Local Time UT 9:00 A.M. Local Time AK 9:00 A.M. Local Time

Examples Below are examples of the Intraday file: Intraday CDA Summary Format 01,041001039,041001039,120402,1538,153858,80,,2/ 02,041001039,04100103,1,120402,,USD,3/ 03,000999999999999,USD,584,0000000248614,0000020,/ 88,602,0000000000000,0000000,/ 88,585,0000000248614,0000020,/ 88,580,0000000248614,0000020,/ 49,000000000745842,00005/ 03,000999999999998,USD,140,000000000000,000000000,/ 88,450,000124834321,000000002,/ 16,455,000002714516,Z,1,, EDI/ACH/ 16,455,000122119805,Z,1,, EDI/ACH/ 49,000000249668642,00005/ 98,250414484,2,12/ 99,250414484,1,14/ /

IV. E - 8

Intraday CDA Detail Format 01,041001039,041001039,120402,1546,154647,80,,2/ 02,041001039,04100103,1,120402,,USD,3/ 03,000888888888889,USD,584,0000016856662,0000033,/ 88,602,0000000000000,0000000,/ 88,585,0000016856662,0000033,/ 88,580,0000016856662,0000033,/ 16,961,0000016856662,,,,HOP 100 33 ITEMS/ (For HOP accounts only) 16,475,0000000001805,Z,1,,CHECK 0000000001/ 16,475,0000000005160,Z,1,,CHECK 0000000002/ 16,475,0000000020000,Z,1,,CHECK 0000000003/ 16,475,0000000042000,Z,1,,CHECK 0000000004/ 16,475,0000000049500,Z,1,,CHECK 0000000005/ 16,475,0000000056470,Z,1,,CHECK 0000000006/ 16,475,0000000059850,Z,1,,CHECK 0000000007/ 16,475,0000000060660,Z,1,,CHECK 0000000008/ 16,475,0000000062000,Z,1,,CHECK 0000000009/ 16,475,0000000076460,Z,1,,CHECK 0000000010/ 16,475,0000000078660,Z,1,,CHECK 0000000011/ 16,475,0000000085367,Z,1,,CHECK 0000000012/ 16,475,0000000094900,Z,1,,CHECK 0000000013/ 16,475,0000000096800,Z,1,,CHECK 0000000014/ 16,475,0000000113200,Z,1,,CHECK 0000000015/ 16,475,0000000114900,Z,1,,CHECK 0000000016/ 16,475,0000000121410,Z,1,,CHECK 0000000017/ 16,475,0000000148299,Z,1,,CHECK 0000000018/ 16,475,0000000157690,Z,1,,CHECK 0000000019/ 16,475,0000000218000,Z,1,,CHECK 0000000020/ 16,475,0000000241613,Z,1,,CHECK 0000000021/ 16,475,0000000340020,Z,1,,CHECK 0000000022/ 16,475,0000000384540,Z,1,,CHECK 0000000023/ 16,475,0000000503040,Z,1,,CHECK 0000000024/ 16,475,0000000535552,Z,1,,CHECK 0000000025/ 16,475,0000000694300,Z,1,,CHECK 0000000026/ 16,475,0000000770125,Z,1,,CHECK 0000000027/ 16,475,0000000949048,Z,1,,CHECK 0000000028/ 16,475,0000001044000,Z,1,,CHECK 0000000029/ 16,475,0000001060800,Z,1,,CHECK 0000000030/ 16,475,0000001393800,Z,1,,CHECK 0000000031/ 16,475,0000001486336,Z,1,,CHECK 0000000032/ 16,475,0000005790357,Z,1,,CHECK 0000000033/ 49,000000084283310,00039/ 98,84283310,1,41/ 99,84283310,1,43/

IV. E - 9

Intraday ACH

01,041001039,041001039,070727,0641,01,80,1,2/ 02,041001039,041001039,1,070727,0641,USD,3/

03, 00000000000001,USD,140,+000000000000,000000000,/ 88,450,+000421174416,000000078,/ 16,455,000000006923,Z,1,, CHILD SUPP 16,455,000000007570,Z,1,, CHILD SUPP 16,455,000000009992,Z,1,,DIVISIONCHILD SUPP 16,455,000000013323,Z,1,,DIVISIONCHILD SUPP 16,455,000000016401,Z,1,, CHILD SUPP 16,455,000000017418,Z,1,,CHILD SUPP 16,455,000000021254,Z,1,,CHILD SUPP 16,455,000000021710,Z,1,,DIR DEP 16,455,000000023476,Z,1,,CHILD SUPP 16,455,000000024310,Z,1,,CHILD SUPP 16,455,000000025223,Z,1,,CHILD SUPP 16,455,000000025339,Z,1,, CHILD SUPP 16,455,000000026871,Z,1,, SUPP 16,455,000000026871,Z,1,, SUPP 16,455,000000027000,Z,1,, CHILD SUPP 16,455,000000027150,Z,1,, SUPP 16,455,000000030078,Z,1,, SUPP 16,455,000000031994,Z,1,, CHILD SUPP 16,455,000000034485,Z,1,, SUPP 16,455,000000035037,Z,1,,CHILD SUPP 16,455,000000049705,Z,1,, SUPP 16,455,000000050521,Z,1,, CHILD SUPP 16,455,000000050842,Z,1,, SUPP 16,455,000000060165,Z,1,, CHILD SUPP 16,455,000000072207,Z,1,, SUPP 16,455,000000073441,Z,1,, SUPP 16,455,000000075577,Z,1,, CHILD SUPP 16,455,000000079697,Z,1,, CHILD SUPP 16,455,000000087399,Z,1,, CHILD SUPP 16,455,000000102806,Z,1,, CHILD SUPP 16,455,000000120398,Z,1,, CHILD SUPP 16,455,000000120398,Z,1,, CHILD SUPP 16,455,000000123569,Z,1,, CHILD SUPP 16,455,000000130181,Z,1,, DEP 16,455,000000160994,Z,1,, CHILD SUPP 16,455,000000173572,Z,1,, SUPP 16,455,000000177962,Z,1,,CHC - WEEKLY 1 DIR DEP 16,455,000000185645,Z,1,, CHILD SUPP 16,455,000000195288,Z,1,, DIR DEP 16,455,000000198097,Z,1,, CHILD SUPP 16,455,000000222830,Z,1,, CHILD SUPP 16,455,000000231525,Z,1,, SUPP

IV. E - 10

16,455,000000251702,Z,1,, CHILD SUPP 16,455,000000345770,Z,1,, SUPP 16,455,000000369545,Z,1,, CHILD SUPP 16,455,000000438578,Z,1,, SUPP 16,455,000000485541,Z,1,, CHILD SUPP 16,455,000000490728,Z,1,, DIR DEP 16,455,000000563441,Z,1,, SUPP 16,455,000000563441,Z,1,, SUPP 16,455,000000567655,Z,1,, CHILD SUPP 16,455,000000805331,Z,1,, DIR DEP 16,455,000002043209,Z,1,, DIR DEP 16,455,000002709212,Z,1,, DIR DEP 16,455,000003263650,Z,1,, DEP 16,455,000004257684,Z,1,, DEP 16,455,000004419640,Z,1,, DIR DEP 16,455,000004977452,Z,1,, DEP 16,455,000006119589,Z,1,, DIR DEP 16,455,000006953577,Z,1,, DIR DEP 16,455,000007959888,Z,1,, DIR DEP 16,455,000009153298,Z,1,, DEP 16,455,000009697816,Z,1,,DIR DEP 16,455,000009756378,Z,1,, DIR DEP 16,455,000010086132,Z,1,, DIR DEP 16,455,000010854471,Z,1,, DIR DEP 16,455,000011293575,Z,1,,DIR DEP 16,455,000011293575,Z,1,, DIR DEP 16,455,000011698562,Z,1,, DEP 16,455,000011828444,Z,1,, DEP 16,455,000014540872,Z,1,, DEP 16,455,000014571308,Z,1,, DIR DEP 16,455,000015295054,Z,1,, DIR DEP 16,455,000016440871,Z,1,, DIR DEP 16,455,000021091576,Z,1,, DIR DEP 16,455,000021562564,Z,1,, DIR DEP 16,455,000023909865,Z,1,, DIR DEP 16,455,000027142522,Z,1,, DEP 16,455,000029868605,Z,1,, DIR DEP 16,455,000030526493,Z,1,,DIR DEP 16,455,000034686892,Z,1,, DIR DEP 16,455,000037098951,Z,1,, DEP 49,+000000842348832,00081/ 98,+000000842348832,00001,000083/ 99,+000000842348832,00001,000085/

IV. E - 11

Intraday Lockbox BAI

01,041001039,041001039,070727,0725,01,80,1,2/ 02,041001039,041001039,1,070727,0725,USD,3/ 03, 00000000000001,USD,109,+0000008239046/........................... 88,111,000000080206,Z/ ..................................... 88,112,000008158840,Z/ ..................................... 88,113,000000000000,Z/ ..................................... 16,115,000008239046,S,000000080206,000008158840,000000000000 .... 88,LOCKBOX 0000001 FILE # 1/ 49,+000000024717138/ ............................................ 03, 00000000000002,USD,109,+0000023968784/...................... 88,111,000000009000,Z/ ..................................... 88,112,000023365254,Z/ ..................................... 88,113,000000594530,Z/ ..................................... 16,115,000023968784,S,000000009000,000023365254,000000594530 .... 88,LOCKBOX 000002 FILE # 1/ 49,+000000071906352/ ............................................ 98,+000000096623490,00002,000016/ 88,113,000000000000,Z/ ..................................... 16,115,000008239046,S,000000080206,000008158840,000000000000 .... 88,LOCKBOX 0000003 FILE # 1/ 49,+000000024717138/ ............................................ 03, 00000000000003,USD,109,+0000023968784/...................... 88,111,000000009000,Z/ ..................................... 88,112,000023365254,Z/ ..................................... 88,113,000000594530,Z/ ..................................... 16,115,000023968784,S,000000009000,000023365254,000000594530 .... 88,LOCKBOX 0000004 FILE # 1/ 49,+000000071906352/ ............................................ 98,+000000096623490,00002,000016/

IV. E - 12

Below are some previous day file samples. These can be sent daily, weekly, bi-weekly or monthly.

Previous Day (Single Day)

01,041001039,041001039,070727,0432,01,80,01,2/ 02,041001039,041001039,1,070726,0432,USD,2/ 03, 00000000000001,USD,040,+000000888149,,/ 88,015,+000000888149,,/ 88,045,+000000888149,,/ 88,072,+000000000000,,/ 88,074,+000000000000,,/ 88,100,000002725721,000000000001,Z/ 88,400,000002725922,000000000001,Z/ 16,206,000002725721,Z,1,,TRANSFER FROM KEY TRUST #000000001 16,575,000002725922,Z,1,,TRANSFER TO 000000000001 49,+000000013567733,00010/ 03, 00000000000002,USD,040,+000000000000,,/ 88,015,+000000000000,,/ 88,045,+000000000000,,/ 88,072,+000000000000,,/ 88,074,+000000000000,,/ 88,074,+000000000000,,/ 88,100,000000093076,000000000001,Z/ 88,400,000000093076,000000000002,Z/ 16,455,000000000450,Z,1,,COLLECTION0000000001 16,575,000000092626,Z,1,,TRANSFER TO 000000000001 16,165,000000093076,Z,1,,PAY GLOBAL DEP000000000000001 49,+000000000372304,00011/ 03, 00000000000003,USD,040,+000971865483,,/ 88,015,+000972879383,,/ 88,045,+000229949083,,/ 88,072,+000741916400,,/ 88,074,+000001013900,,/ 88,100,001332859733,000000000009,Z/ 88,400,000436959317,000000000003,Z/ 16,275,000000092626,Z,1,,TRANSFER FROM 00000000000000001 16,229,000000234563,Z,1,,OUR REF: D00001 YOUR:FAAR0000000 16,575,000000572000,Z,1,,TRANSFER TO 000000000000002 16,229,000001086924,Z,1,,OUR REF: D00002YOUR:FAAR0000001 16,229,000001086924,Z,1,,OUR REF: D00003YOUR:FAAR0000002

16,195,000005168322,Z,1,,Transaction Ref. No.:0707260000000 88,Fed. Ref. No.:072600000007R002000 ORG=A/121000248 W 88,ELLS FARGO BANK, NA SAN FRANCISCO, CA ORG=Company, Co. 88, INC PO BOX 00000 TUCSON, AZ 857341740 US OBK=/000 88,0001 Company, Co C/O Joe Smith PO BOX 00000 88,40 TUCSON , AZ 85734 SRF=2007070000000001 ORF=0000 88,00002 BBK=D/0000000002 CORPORATION ATTN Bo

IV. E - 13

88,b Smith 1 SUPERIOR AVENUE CLEVELAND, OH 4 88,4114 BNF=/0000000001 CORPORATION 16,301,000042868404,Z,1,000001,DEPOSITOR ID. 000001 16,229,000055872700,Z,1,,OUR REF: E000001- PAY 000 YOUR:000000002 -E 16,275,000127474153,Z,1,,TRANSFER FROM 000000000000003 16,575,000186387317,Z,1,,TRANSFER TO 00000000000002 16,506,000250000000,Z,1,,TRANSFER TO TRUST #0000000000000003 16,195,000400000000,Z,1,,Transaction Ref. No.:0707260000000 88,Fed. Ref. No.:0726B1AAAAAC0000000000 ORG=A/021000021 J 88,P MORGAN CHASE BANK NEW YORK NEW YORK ORG=/05000000 88,P MORGAN CHASE BANK NEW YORK NEW YORK ORG=/05000000 88,CORPORATION CONCENTRATION 1 SUPERIOR AV 88,E CLEVELAND OH 44114-2529 SRF=0000000 JO ORF=CAP 88, OF 07/07/26 BBK=D/00000000000 CORPORATION 88,ATTN ROB Smith 1 SUPERIOR AVENUE CLEVELAN 88,D, OH 44114 BNF=/0000000000004 CORPORATION 1 88, SUPERIOR AVE CLEVELAND 16,301,000700062041,Z,,,/ 49,+000006457262349,00036/ 03, 00000000000002,USD,040,+000000000000,,/ 88,015,+000000000000,,/ 88,045,+000000000000,,/ 88,072,+000000000000,,/ 88,074,+000000000000,,/ 88,100,000000000000,000000000000,Z/ 88,400,000000000000,000000000000,Z/ 49,+000000000000000,00008/ 03, 00000000000005,USD,040,+000000000000,,/ 88,015,+000000000000,,/ 88,045,+000000000000,,/ 88,072,+000000000000,,/ 88,074,+000000000000,,/ 88,100,000127474153,000000000002,Z/ 88,400,000127474153,000000000001,Z/ 16,195,000028680963,Z,1,,Transaction Ref. No.:070720000000000 88,Fed. Ref. No.:0726AAAAAAAA0000000000 ORG=A/021000021 J 88,P MORGAN CHASE BANK NEW YORK NEW YORK ORG=/X000000 88,CORPORATION STOCK OPTION PLAN CLEVELAND 88,OH 000000 OBK=NATIONAL FINANCIAL SERVICES CORP 88, 1I DEVONSHIRE STREET 88,BOSTON, MA 02110 OBI=STOCK OPTION TAXES SRF=000000 88,0000FT ORF=SWF OF 07/07/26 BBK=D/00000000001 88,CORPORATION S 88,UPERIOR AVE CLEVELAND, OH 44114 BNF=/00000000005 88,CORPORATION 1 SUPERIOR AV 88,ENUE CLEVELAND OH 44114 16,195,000098793190,Z,1,,Transaction Ref. No.:07072600000000 88,Fed. Ref. No.:0726AAAAAA000000000 ORG=A/021000021 J

IV. E - 14

88,P MORGAN CHASE BANK NEW YORK NEW YORK ORG=/X0000000 88,CORPORATION STOCK OPTION PLAN CLEVELAND 88,OH 44114-2584 OBK=NATIONAL FINANCIAL SERVICES CORP 88, 1I BANK RECONCILIATION SHIRE STREET 88,BOSTON, MA 020010 OBI=OPTIONS COST SRF=000000 88,0000FT ORF=SWF OF 07/07/26 BBK=D/00000000005 88,CORPORATION STOCK OPTION CNTR 1 S 88,UPERIOR AVE CLEVELAND, OH 44114 BNF=/00000000005 88,CORPORATION OPTION PLAN 1SUPERIOR AV 88,ENUE CLEVELAND OH 44114 16,575,000127474153,Z,1,,TRANSFER TO 0000000000012 49,+000000509896612,00033/

98,+000006981098998,00005,000100/ 99,+000006981098998,00001,000102/

Previous Day (Weekly)

01,125200879,125200879,070713,0836,01,80,01,2/ 02,125200879,125200879,1,070601,0836,USD,2/ 03, 00000000001,USD,010,+000049220774,,/ 1 88,015,+000049220774,,/ 88,045,+000049220774,,/ 88,072,+000000000000,,/ 88,074,+000000000000,,/ 88,100,000000000000,000000000000,Z/ 88,400,000049204835,000000000011,Z/ 16,475,000000005350,Z,1,2160,CHECK # 1000 16,475,000000035462,Z,1,15850,CHECK # 1001 16,475,000000038787,Z,1,15847,CHECK # 1002 16,475,000000039970,Z,1,15790,CHECK # 1003 16,475,000000058343,Z,1,2156,CHECK # 1004 16,475,000000073649,Z,1,15848,CHECK # 1005 16,475,000000079384,Z,1,15867,CHECK # 1006 16,475,000000104311,Z,1,15799,CHECK # 1007 16,475,000000136110,Z,1,15874,CHECK # 1008 16,475,000000271585,Z,1,15852,CHECK # 1009 16,455,000048361884,Z,1,,DIRECT WITHDRAWAL 49,+000000246071992,00019/ 98,+000000246071992,00001,000021/ 02,125200879,125200879,1,070604,0836,USD,2/ 03, 00000000001,USD,010,+000030188572,,/ 88,015,+000030188572,,/ 88,045,+000030188572,,/ 88,072,+000000000000,,/ 88,074,+000000000000,,/ 88,100,000000000000,000000000000,Z/ 88,400,000019032202,000000000007,Z/

IV. E - 15

16,475,000000021138,Z,1,2161,CHECK # 1010

16,475,000000035354,Z,1,2162,CHECK # 1011 16,475,000000053740,Z,1,2159,CHECK # 1012 16,475,000000090012,Z,1,15880,CHECK # 101316,475,000000090042,Z,1,15805,CHECK # 1014 16,475,000000207609,Z,1,15881,CHECK # 1015 16,455,000018534307,Z,1,,DIRECT WITHDRAWAL 49,+000000128630120,00015/ 98,+000000128630120,00001,000017/ 02,125200879,125200879,1,070605,0836,USD,2/ 03, 00000000001,USD,010,+000028441190,,/88,015,+000028441190,,/ 88,045,+000028441190,,/ 88,072,+000000000000,,/ 88,074,+000000000000,,/ 88,100,000000000000,000000000000,Z/ 88,400,000001747382,000000000021,Z/

16,475,000000014967,Z,1,15864,CHECK # 101616,475,000000017489,Z,1,15921,CHECK # 1017 16,475,000000018470,Z,1,15913,CHECK # 1018 16,475,000000018470,Z,1,15915,CHECK # 1019 16,475,000000018470,Z,1,15916,CHECK # 102016,475,000000018470,Z,1,15918,CHECK # 1021 16,475,000000018470,Z,1,15920,CHECK # 1022 16,475,000000018470,Z,1,15533,CHECK # 102316,475,000000027705,Z,1,15919,CHECK # 1024 16,475,000000032631,Z,1,15853,CHECK # 1025 16,475,000000036940,Z,1,15871,CHECK # 102616,475,000000041315,Z,1,15901,CHECK # 1027 16,475,000000064547,Z,1,15858,CHECK # 102816,475,000000081212,Z,1,15895,CHECK # 1029 16,475,000000091331,Z,1,15900,CHECK # 1030 16,475,000000101410,Z,1,15899,CHECK # 103116,475,000000110084,Z,1,15894,CHECK # 1032 16,475,000000126442,Z,1,15886,CHECK # 1033 16,475,000000146736,Z,1,15902,CHECK # 103416,475,000000182320,Z,1,15892,CHECK # 1035 16,475,000000561433,Z,1,2155,CHECK # 1036 49,+000000088818334,00029/ 98,+000000088818334,00001,000031/ 02,125200879,125200879,1,070606,0836,USD,2/ 03, 00000000001,USD,010,+000027516540,,/ 88,015,+000027516540,,/ 88,045,+000027516540,,/ 88,072,+000000000000,,/ 88,074,+000000000000,,/ 88,100,000000000000,000000000000,Z/ 88,400,000000924650,000000000016,Z/

IV. E - 16

16,475,000000003600,Z,1,2167,CHECK # 1037 16,475,000000016460,Z,1,15923,CHECK # 1038 16,475,000000016863,Z,1,15662,CHECK # 1039 16,475,000000017369,Z,1,15936,CHECK # 1040 16,475,000000027705,Z,1,15922,CHECK # 1041 16,475,000000052113,Z,1,15887,CHECK # 1042 16,475,000000059486,Z,1,15893,CHECK # 1043 16,475,000000065484,Z,1,15875,CHECK # 1044 16,475,000000067785,Z,1,15833,CHECK # 1045 16,475,000000067785,Z,1,15785,CHECK # 1046 16,475,000000070105,Z,1,15912,CHECK # 1047 16,475,000000072897,Z,1,15925,CHECK # 1048 16,475,000000077817,Z,1,15903,CHECK # 1049 16,475,000000084233,Z,1,15911,CHECK # 1050 16,475,000000102809,Z,1,15868,CHECK # 1051 16,475,000000122139,Z,1,15904,CHECK # 1052 49,+000000084398920,00024/ 98,+000000084398920,00001,000026/ 02,125200879,125200879,1,070607,0836,USD,2/ 03, 00000000001,USD,010,+000026864140,,/ 88,015,+000026864140,,/ 88,045,+000026864140,,/ 88,072,+000000000000,,/ 88,074,+000000000000,,/ 88,100,000000000000,000000000000,Z/ 88,400,000000652400,000000000009,Z/ 16,475,000000009419,Z,1,15800,CHECK # 1053 16,475,000000012065,Z,1,15927,CHECK # 1054 16,475,000000017000,Z,1,2164,CHECK # 1055 16,475,000000018470,Z,1,15891,CHECK # 1056 16,475,000000026598,Z,1,15873,CHECK # 1057 16,475,000000035579,Z,1,15854,CHECK # 1058 16,475,000000061333,Z,1,15861,CHECK # 1059 16,475,000000078285,Z,1,15905,CHECK # 1060 16,475,000000393651,Z,1,2157,CHECK # 1061 49,+000000081897220,00017/ 98,+000000081897220,00001,000019/

Previous Day (Bi-Weekly) 01,125200879,125200879,070713,0836,01,80,01,2/ 02,125200879,125200879,1,070601,0836,USD,2/ 03, 00000000001,USD,010,+000049220774,,/ 1 88,015,+000049220774,,/ 88,045,+000049220774,,/ 88,072,+000000000000,,/ 88,074,+000000000000,,/ 88,100,000000000000,000000000000,Z/ 88,400,000049204835,000000000011,Z/

IV. E - 17

16,475,000000005350,Z,1,2160,CHECK # 1000 16,475,000000035462,Z,1,15850,CHECK # 1001 16,475,000000038787,Z,1,15847,CHECK # 1002

16,475,000000039970,Z,1,15790,CHECK # 1003 16,475,000000058343,Z,1,2156,CHECK # 1004 16,475,000000073649,Z,1,15848,CHECK # 1005 16,475,000000079384,Z,1,15867,CHECK # 1006 16,475,000000104311,Z,1,15799,CHECK # 1007 16,475,000000136110,Z,1,15874,CHECK # 1008 16,475,000000271585,Z,1,15852,CHECK # 1009 16,455,000048361884,Z,1,,DIRECT WITHDRAWAL 49,+000000246071992,00019/ 98,+000000246071992,00001,000021/ 02,125200879,125200879,1,070604,0836,USD,2/ 03, 00000000001,USD,010,+000030188572,,/ 88,015,+000030188572,,/ 88,045,+000030188572,,/ 88,072,+000000000000,,/ 88,074,+000000000000,,/ 88,100,000000000000,000000000000,Z/ 88,400,000019032202,000000000007,Z/ 16,475,000000021138,Z,1,2161,CHECK # 1010 16,475,000000035354,Z,1,2162,CHECK # 1011 16,475,000000053740,Z,1,2159,CHECK # 1012 16,475,000000090012,Z,1,15880,CHECK # 1013 16,475,000000090042,Z,1,15805,CHECK # 1014 16,475,000000207609,Z,1,15881,CHECK # 1015 16,455,000018534307,Z,1,,DIRECT WITHDRAWAL 49,+000000128630120,00015/ 98,+000000128630120,00001,000017/ 02,125200879,125200879,1,070605,0836,USD,2/ 03, 00000000001,USD,010,+000028441190,,/ 88,015,+000028441190,,/ 88,045,+000028441190,,/ 88,072,+000000000000,,/ 88,074,+000000000000,,/ 88,100,000000000000,000000000000,Z/ 88,400,000001747382,000000000021,Z/ 16,475,000000014967,Z,1,15864,CHECK # 1016 16,475,000000017489,Z,1,15921,CHECK # 1017 16,475,000000018470,Z,1,15913,CHECK # 1018 16,475,000000018470,Z,1,15915,CHECK # 1019 16,475,000000018470,Z,1,15916,CHECK # 1020 16,475,000000018470,Z,1,15918,CHECK # 1021 16,475,000000018470,Z,1,15920,CHECK # 1022 16,475,000000018470,Z,1,15533,CHECK # 1023 16,475,000000027705,Z,1,15919,CHECK # 1024 16,475,000000032631,Z,1,15853,CHECK # 1025

IV. E - 18

16,475,000000036940,Z,1,15871,CHECK # 1026 16,475,000000041315,Z,1,15901,CHECK # 1027 16,475,000000064547,Z,1,15858,CHECK # 1028 16,475,000000081212,Z,1,15895,CHECK # 1029 16,475,000000091331,Z,1,15900,CHECK # 1030 16,475,000000101410,Z,1,15899,CHECK # 1031 16,475,000000110084,Z,1,15894,CHECK # 1032 16,475,000000126442,Z,1,15886,CHECK # 1033 16,475,000000146736,Z,1,15902,CHECK # 1034 16,475,000000182320,Z,1,15892,CHECK # 1035 16,475,000000561433,Z,1,2155,CHECK # 1036 49,+000000088818334,00029/ 98,+000000088818334,00001,000031/ 02,125200879,125200879,1,070606,0836,USD,2/ 03, 00000000001,USD,010,+000027516540,,/ 88,015,+000027516540,,/ 88,045,+000027516540,,/ 88,072,+000000000000,,/ 88,074,+000000000000,,/ 88,100,000000000000,000000000000,Z/ 88,400,000000924650,000000000016,Z/ 16,475,000000003600,Z,1,2167,CHECK # 1037 16,475,000000016460,Z,1,15923,CHECK # 1038 16,475,000000016863,Z,1,15662,CHECK # 1039 16,475,000000017369,Z,1,15936,CHECK # 1040 16,475,000000027705,Z,1,15922,CHECK # 1041 16,475,000000052113,Z,1,15887,CHECK # 1042 16,475,000000059486,Z,1,15893,CHECK # 1043 16,475,000000065484,Z,1,15875,CHECK # 1044 16,475,000000067785,Z,1,15833,CHECK # 1045 16,475,000000067785,Z,1,15785,CHECK # 1046 16,475,000000070105,Z,1,15912,CHECK # 1047 16,475,000000072897,Z,1,15925,CHECK # 1048 16,475,000000077817,Z,1,15903,CHECK # 1049 16,475,000000084233,Z,1,15911,CHECK # 1050 16,475,000000102809,Z,1,15868,CHECK # 1051 16,475,000000122139,Z,1,15904,CHECK # 1052 49,+000000084398920,00024/ 98,+000000084398920,00001,000026/ 02,125200879,125200879,1,070607,0836,USD,2/ 03, 00000000001,USD,010,+000026864140,,/ 88,015,+000026864140,,/ 88,045,+000026864140,,/ 88,072,+000000000000,,/ 88,074,+000000000000,,/ 88,100,000000000000,000000000000,Z/ 88,400,000000652400,000000000009,Z/ 16,475,000000009419,Z,1,15800,CHECK # 1053

IV. E - 19

16,475,000000012065,Z,1,15927,CHECK # 1054 16,475,000000017000,Z,1,2164,CHECK # 1055 16,475,000000018470,Z,1,15891,CHECK # 1056 16,475,000000026598,Z,1,15873,CHECK # 1057 16,475,000000035579,Z,1,15854,CHECK # 1058 16,475,000000061333,Z,1,15861,CHECK # 1059 16,475,000000078285,Z,1,15905,CHECK # 1060 16,475,000000393651,Z,1,2157,CHECK # 1061 49,+000000081897220,00017/ 98,+000000081897220,00001,000019/ 02,125200879,125200879,1,070608,0836,USD,2/ 03, 00000000001,USD,010,+000025555278,,/ 88,015,+000025555278,,/ 88,045,+000025555278,,/ 88,072,+000000000000,,/ 88,074,+000000000000,,/ 88,100,000000000000,000000000000,Z/ 88,400,000001308862,000000000016,Z/ 16,475,000000017489,Z,1,15917,CHECK # 1062 16,475,000000017489,Z,1,15840,CHECK # 1063 16,475,000000018470,Z,1,15836,CHECK # 1064 16,475,000000018470,Z,1,15838,CHECK # 1065 16,475,000000025072,Z,1,15890,CHECK # 1066 16,475,000000033513,Z,1,15859,CHECK # 1067 16,475,000000038787,Z,1,15857,CHECK # 1068 16,475,000000044957,Z,1,15884,CHECK # 1069 16,475,000000067580,Z,1,15870,CHECK # 1070 16,475,000000068996,Z,1,15889,CHECK # 1071 16,475,000000069897,Z,1,15906,CHECK # 1072 16,475,000000076074,Z,1,15908,CHECK # 1073 16,475,000000090041,Z,1,15876,CHECK # 1074 16,475,000000095785,Z,1,15855,CHECK # 1075 16,455,000000240052,Z,1,,DIRECT WITHDRAWAL 16,475,000000386190,Z,1,15926,CHECK # 1076 49,+000000079283558,00024/ 98,+000000079283558,00001,000026/ 02,125200879,125200879,1,070611,0836,USD,2/ 03, 00000000001,USD,010,+000025029665,,/ 88,015,+000025029665,,/ 88,045,+000025029665,,/ 88,072,+000000000000,,/ 88,074,+000000000000,,/ 88,100,000000000000,000000000000,Z/ 88,400,000000525613,000000000012,Z/ 16,475,000000009295,Z,1,15898,CHECK # 1077 16,475,000000013719,Z,1,15879,CHECK # 1078 16,475,000000017038,Z,1,15878,CHECK # 1079 16,475,000000020860,Z,1,15883,CHECK # 1080

IV. E - 20

16,475,000000024934,Z,1,15937,CHECK # 1081 16,475,000000029997,Z,1,15865,CHECK # 1082 16,475,000000032962,Z,1,15910,CHECK # 1083 16,475,000000035579,Z,1,15907,CHECK # 1084 16,475,000000055780,Z,1,15863,CHECK # 1085 16,475,000000081511,Z,1,15866,CHECK # 1086 16,475,000000090398,Z,1,15869,CHECK # 1087 16,475,000000113540,Z,1,15877,CHECK # 1088 49,+000000076140221,00020/ 98,+000000076140221,00001,000022/ 02,125200879,125200879,1,070612,0836,USD,2/ 03, 00000000001,USD,010,+000024888641,,/ 88,015,+000024888641,,/ 88,045,+000024673641,,/ 88,072,+000000215000,,/ 88,074,+000000000000,,/ 88,100,000000215024,000000000001,Z/ 88,400,000000356048,000000000007,Z/ 16,475,000000003800,Z,1,2178,CHECK # 1089 16,475,000000016459,Z,1,15938,CHECK # 1090 16,475,000000016942,Z,1,15924,CHECK # 1091 16,475,000000030781,Z,1,15784,CHECK # 1092 16,475,000000051328,Z,1,15860,CHECK # 1093 16,475,000000074774,Z,1,15772,CHECK # 1094 16,475,000000161964,Z,1,15862,CHECK # 1095 16,301,000000215024,Z,,,/ 49,+000000075808067,00016/ 98,+000000075808067,00001,000018/ 02,125200879,125200879,1,070613,0836,USD,2/ 03, 00000000001,USD,010,+000024070373,,/ 88,015,+000024070373,,/ 88,045,+000024070373,,/ 88,072,+000000000000,,/ 88,074,+000000000000,,/ 88,100,000000000000,000000000000,Z/ 88,400,000000818268,000000000009,Z/ 16,475,000000016864,Z,1,15888,CHECK # 1096 16,475,000000020579,Z,1,15809,CHECK # 1097 16,475,000000031333,Z,1,2168,CHECK # 1098 16,475,000000040527,Z,1,15928,CHECK # 1099 16,475,000000043440,Z,1,15849,CHECK # 1000 16,475,000000108948,Z,1,15935,CHECK # 1001 16,475,000000164567,Z,1,15882,CHECK # 1002 16,475,000000173402,Z,1,2175,CHECK # 1003 16,475,000000218608,Z,1,2170,CHECK # 1004 49,+000000073847655,00017/ 98,+000000073847655,00001,000019/ 02,125200879,125200879,1,070614,0836,USD,2/

IV. E - 21

03, 00000000001,USD,010,+000104263878,,/ 88,015,+000104263878,,/ 88,045,+000104263878,,/ 88,072,+000000000000,,/ 88,074,+000000000000,,/ 88,100,000080299905,000000000001,Z/ 88,400,000000106400,000000000004,Z/ 16,475,000000026250,Z,1,2138,CHECK # 1005 16,475,000000026500,Z,1,2166,CHECK # 1006 16,475,000000026500,Z,1,2124,CHECK # 1007 16,475,000000027150,Z,1,2152,CHECK # 1008 16,206,000080299905,Z,1,,TRF FR DDA 00000000000000002 49,+000000473604244,00013/ 98,+000000473604244,00001,000015/ 02,125200879,125200879,1,070615,0836,USD,2/ 03, 00000000001,USD,010,+000045385541,,/ 88,015,+000045385541,,/ 88,045,+000042789041,,/ 88,072,+000002596500,,/ 88,074,+000000000000,,/ 88,100,000002596466,000000000002,Z/ 88,400,000061474803,000000000008,Z/ 16,475,000000005350,Z,1,2172,CHECK # 1009 16,475,000000021138,Z,1,2173,CHECK # 1010 16,475,000000053740,Z,1,2171,CHECK # 1011 16,301,000000053756,Z,,,/ 16,455,000000127274,Z,1,,DIRECT WITHDRAWAL 16,475,000000183110,Z,1,15958,CHECK # 1012 16,301,000002542710,Z,,,/ 16,495,000006018537,Z,1,,Transaction Ref. No.:070615000000 88,Fed. Ref. No.:0615aaaaaAAA00000000 ORG=D/00000000000 88,6 Bob Smith 1 1ST AVE STE 0000 88, FAIRBANKS, AK 00000 OBI=Confirmation numbers 000 88,000000 and 00000000 SRF=000000000000000 BBK=A/02 88,1000018 BANK OF NEW YORK NEW YORK NY BNF=/0000000000 88,00 Corporation 16,495,000006317054,Z,1,,Transaction Ref. No.:0706100000000 88,Fed. Ref. No.:0615aAAAAA00000000 ORG=D/0000000000 88,6 Bob Smith 1 1ST AVE STE 000 88, FAIRBANKS, AK 0000 OBI=Confirmation numbers 0000 88,000000 and 0000000000 SRF=00000000000R BBK=A/02 88,1000018 BANK OF NEW YORK NEW YORK NY BNF=/000000000 88,00 Corporation 16,455,000048748600,Z,1,,DIRECT WITHDRAWAL 49,+000000264299161,00030/ 98,+000000264299161,00001,000032/

IV. E - 22

Monthly

This would be the same as the weekly or bi-weekly shown above with each day of the month represented. There will be a 02 record for each day.

KeyTRAC

01,041001039,041001039,070727,0509,01,80,01,2/ 02,041001039,041001039,1,070726,0417,USD,2/ 03, 00000000001,USD,015,+000006850517,,/ 88,010,+000007126661,,/ 88,045,+000006149417,,/ 88,072,+000000674300,,/ 88,074,+000000026800,,/ 88,100,000001727344,000000000019,Z/ 88,400,000002003488,000000000001,Z/ 16,455,000002003488,Z,1,,0000,/ 16,301,000000092033,Z,1,,0338,/ 16,301,000000025785,Z,1,,0453,/ 16,301,000000069926,Z,1,,0459,/ 16,301,000000123930,Z,1,,0459,/ 16,301,000000023997,Z,1,,0463,/ 16,301,000000057918,Z,1,,0463,/ 16,301,000000011420,Z,1,,0486,/ 16,301,000000103454,Z,1,,0665,/ 16,301,000000086122,Z,1,,0806,/ 16,301,000000058499,Z,1,,0855,/ 16,301,000000165464,Z,1,,1060,/ 16,301,000000141514,Z,1,,1312,/ 16,301,000000232497,Z,1,,1312,/ 16,301,000000110145,Z,1,,1355,/ 16,301,000000061934,Z,1,,1359,/ 16,301,000000056113,Z,1,,1424,/ 16,301,000000043094,Z,1,,1435,/ 16,301,000000115405,Z,1,,1473,/ 16,301,000000031184,Z,1,,1591,/ 16,301,000000116910,Z,1,,1653,/ 49,+000000028289359,00029/ 98,+000000028289359,00001,000031/ 99,+000000028289359,00001,000033/

IV. F- 1

F. Lockbox

Lockbox Data Transmission KeyBank provides extensive remittance and deposit information for items collected at lockbox locations. Your transmission may contain detail and summary information. Detail information includes, but is not limited to: Keyed data (e.g. payor name, check date, customer number, invoice number, invoice date, gross amount, discount amount, invoice net amount, and invoice difference), and check information (e.g. check amount, check number). Summary/batch information includes, but is not limited to: lockbox number, batch number, check count, invoice count, total dollar amount of checks in the batch, total amounts for invoices in the batch, and the invoice difference.

The following are definitions of the BAI standard lockbox record structures and file structures. There are eight different record types used in the BAI format. Some clients use as few as 3 record types while others require the use of all 8 different types. Companies may use modified record formats; therefore the record field definitions are typical, not definitive.

Record Definitions: Type 1 - File Header Record

Type 2 - Service Header Record

Type 4 - Overflow Record: Provides a means of handling variable quantities of detailed information. When the remitter furnishes more remittance information than can be recorded in the type 6 Detail record, the type 4 Overflow record is used for this data.

Type 5 - Lock Box Detail Header: Used to reduce the size of detail records by carrying the required information that is common in all the detail records that it precedes.

Type 6 - Detail Record: Contains data belonging to 1 remittance (MICR account, check amount, check number). In addition, some companies that use a Type 4 record often utilize the blank portion of the Type 6 record for invoice information as continued in their Type 4 records.

Type 7 - Batch Total Record

Type 8 - Service Total Record

Type 9 - File Trailer Record

IV. F- 2

Record Structures Immediate Address Header Field # Picture Description Contents

1 X Record Type Character “1” 2 9 (2) Priority Zeros 3 X (10) Destination See Notes Below 4 9 (10) Source Bank Transit Routing Number 5 9 (6) Date Transmission Date (YYMMDD) 6 9 (4) Time Transmission Time (HHMM)

7 X (47) Filler Spaces

Please Note: Destination is usually the company’s name or their lockbox P.O. Box number. Most companies do not use the time field and fill in spaces after the date field.

Service Record Field # Picture Description Contents

1 X Record Type Character “2” 2 X (10) Destination Same as used for Type 1 record 3 9 (10) Source Same as used for Type 1 record 4 9 (3) Reference Code Zero filled, usually not used 5 9 (3) Service Type Company defined 6 9 (3) Record Size Generally “080” 7 9 (4) Char Block Generally “0080” 8 9 (1) Format Company defined 9 X (38) Filler Spaces

Please Note: Destination is usually the company’s name or their lockbox P.O. Box number.

IV. F- 3

Overflow Record Field #

Picture Description Contents

1 X Record Type Character “4” 2 9 (3) Batch Number Same Batch Number as “6” record which

overflowed 3 9 (3) Item Number Same Item Number as “6” record which overflowed 4 9 (1) Type Overflow Character “6” 5 9 (2) Sequence

Number Sequence number of this record within all overflow records for a given check record

6 9 (1) Last Code “0” or “9”. This field is a “0” unless this record is the only or last overflow record for a specific “6” record

7 X(69) Overflow Area Company Defined. May be dollar amounts, invoice numbers, etc.

Lockbox Detail Header

Field #


1 X Record Type Character “5” 2 9 (3) Batch Number Zeroes 3 9 (3) Item Number Zeroes 4 X (7) Lock Box

Number Company Defined

5 9 (6) Date Transmission Date (YYMMDD) 6 X (10) Destination Same as used for Type 1 record 7 X (10) Source Bank Transit Routing Number 8 X (40) Filler Spaces

IV. F- 4

Lockbox Detail Record

Field #


1 X Record Type Character “6” 2 9 (3) Batch

Number Unique Batch Number

3 9 (3) Item Number Sequential number which identifies a given remittance within a batch

4 9 (8) V99 or S9 (8) V99

Check Number

Right justified, left zero filled

5 9 (8) or 9 (9) Customer Routing

MICR Transit Routing Number

6 X (15) or 9 (15) Customer DDA

MICR DDA Number. Right justified, left zero filled.

7 X (10) Check Number

Varies in size from 9 to 10 characters, sometimes numeric left-zero filled or alpha-numeric right-space filled

8 Remainder Filler Spaces. Some companies that use a Type 4 record often utilize the blank portion of this record for invoice information as continued in their Type 4 records.

IV. F- 5

Record Structures Immediate Address Header Field # Picture Description Contents

1 X Record Type Character “1” 2 9 (2) Priority Zeros 3 X (10) Destination See Notes Below 4 9 (10) Source Bank Transit Routing Number 5 9 (6) Date Transmission Date (YYMMDD) 6 9 (4) Time Transmission Time (HHMM)


Please Note: Destination is usually the company’s name or their lockbox P.O. Box number. Most companies do not use the time field and fill in spaces after the date field.

Service Record Field # Picture Description Contents

1 X Record Type Character “2” 2 X (10) Destination Same as used for Type 1 record 3 9 (10) Source Same as used for Type 1 record 4 9 (3) Reference Code Zero filled, usually not used 5 9 (3) Service Type Company defined 6 9 (3) Record Size Generally “080” 7 9 (4) Char Block Generally “0080” 8 9 (1) Format Company defined


Please Note: Destination is usually the company’s name or their lockbox P.O. Box number.

IV. F- 6

Batch Total Record Field # Picture Description Contents

1 X Record Type Character “7” 2 9 (3) Batch Number Should always be the same as that used

in the “6” and “4” records to which it relates

3 9 (3) Item Number Sequence number obtained by adding 1 to the last item number used in the immediately preceding type “6” record

4 X (7) Lock Box Number Same as used for Type 5 record 5 9 (6) Date Transmission Date (YYMMDD) 6 9 (3) No. Of Checks Number of checks in batch 7 9 (8) V99 or

S9 (8) V99 Batch Amount Right justified, left zero filled, dollar total

of batch8 X (47) Filler Spaces

Service Total Record Field # Picture Description Contents

1 X Record Type Character “8” 2 9 (3) Batch Number Should always be the same as that used in

the “7” record to which it relates 3 9 (3) Item Number Sequence number obtained by adding 1 to

the item number used in the immediately preceding type “7” record

4 X (7) Lock Box Number

Same as used for Type 5 record

5 9 (6) Date Transmission Date (YYMMDD) 6 9 (4) No. Of Checks Number of checks used in the transmission 7 9 (8) V99 or

S9 (8) V99Batch Amount Right justified, left zero filled, dollar total of

the transmission8 X (46) Filler Spaces or company defined

IV. F- 7

Destination Trailer Record Field # Picture Description Contents

1 X Record Type Character “9” 2 9 (6) No. of Records Total number of aii type records

transmission3 X (73) Filler Spaces

Overview of Key's Standardized File Layouts: Standard File Layout 1: Text File- Comma Delimited Batch Header Record 01 BH-BATCH-HEADER. 05 BH-LOCKBOX-NBR PIC X(07) 05 FILLER PIC X(01) 05 BH-BAT-NBR PIC 9(06) 05 FILLER PIC X(01) 05 BH-BAT-DATE-MMDDYY PIC X(06) 05 FILLER PIC X(01) 05 BH-BAT-TRANS-CNT PIC 9(05) 05 FILLER PIC X(01) 05 BH-BAT-AMT. 10 BH-BAT-AMT-D PIC 9(15) 10 BH-BAT-AMT-DOT PIC X(01) 10 BH-BAT-AMT-CENT PIC 9(02) 05 FILLER PIC X(34) Detail Record 01 DR-DETAIL-REMITTANCE. 05 DR-TRANS-NBR PIC 9(03) 05 FILLER PIC X(01) 05 DR-SEQ-NBR PIC 9(03) 05 FILLER PIC X(01) 05 DR-INVOICE-NBR PIC X(10) 05 FILLER PIC X(01) 05 DR-INVOICE-AMT PIC 9(15).9(02) 05 FILLER PIC X(01) 05 DR-CHECK-NBR PIC X(18) 05 FILLER PIC X(01) 05 DR-CHECK-AMT PIC 9(15).9(02) 05 FILLER PIC X(05)

IV. F- 11

Standard File Layout 2: Text File-with Multiple Boxes This layout is recommended when client would like to go with MULTI box and output file is in text file format.

FILE HEADER 01 FH-FILE-HEADER. 05 FH-REC-TYPE PIC 9(01) 05 FILLER PIC 9(02) 05 FH-DESTINATION PIC X(11) 05 FILLER PIC 9(09) 05 FH-DEPOSIT-DATE PIC 9(06) 05 FILLER PIC X(51) BATCH HEADER 01 BH-BATCH-HEADER. 05 BH-REC-TYPE PIC 9(01) 05 BH-SYS-BATCH-NO PIC 9(03) 05 FILLER PIC 9(03) 05 BH-LOCKBOX PIC X(07) 05 BH-DEPOSIT-DATE PIC 9(06) 05 BH-DESTINATION PIC X(10) 05 FILLER PIC X(50) DETAIL RECORD 01 DR-DETAIL-REMITTANCE. 05 DR-REC-TYPE PIC 9(01) 05 DR-SYS-BATCH-NO PIC 9(03) 05 FILLER PIC 9(03) 05 DR-PAYMENT-AMOUNT PIC 9(08)V99 05 DR-PAYMENT-TYPE PIC X(08) 05 DR-ACCOUNT-NUMBER PIC X(10) 05 FILLER PIC X(10) 05 DR-PAYER-NAME PIC X(25) 05 DR-CHECK-NUMBER PIC X(10) BATCH TRAILER 01 BT-BATCH-TRAILER. 05 BT-REC-TYPE PIC 9(01) 05 BT-SYS-BATCH-NUMBER PIC 9(03) 05 FILLER PIC 9(03) 05 BT-LOCKBOX PIC X(07) 05 BT-DEPOSIT-DATE PIC 9(06) 05 BT-BATCH-ITEM-COUNT PIC 9(03) 05 BT-BATCH-TOTAL PIC 9(08)V99 05 FILLER PIC X(47)

IV. F-10

LOCKBOX DEPOSIT TOTALS 01 LT-LOCKBOX-TOTAL. 05 LT-REC-TYPE PIC 9(01) 05 FILLER PIC 9(03) 05 LT-LOCKBOX PIC X(07) 05 LT-CHK-DEPOSIT-DATE PIC 9(06) 05 LT-CHK-ITEM-COUNT PIC 9(04) 05 LT-CHK-TOTAL PIC 9(08)V99 05 FILLER PIC X(49) FILE TRAILER RECORD 01 FT-FILE-TRAILER. 05 FT-REC-TYPE PIC 9(01) 05 FT-FILE-ITEM-CNT PIC 9(04) 05 FILLER PIC X(75) Standard File Layout 3: Text File-with Single Box This layout is recommended when client would like to go with Single box and output file is in text file format. BATCH HEADER 01 BH-BATCH-HEADER. 05 BH-REC-TYPE PIC 9(01) 05 BH-SYS-BATCH-NO PIC 9(03) 05 FILLER PIC 9(03) 05 BH-LOCKBOX PIC X(07) 05 BH-DEPOSIT-DATE PIC 9(06) 05 BH-DESTINATION PIC X(10) 05 FILLER PIC X(50) DETAIL RECORD 01 DR-DETAIL-REMITTANCE. 05 DR-REC-TYPE PIC 9(01) 05 DR-SYS-BATCH-NO PIC 9(03) 05 FILLER PIC 9(03) 05 DR-PAYMENT-AMOUNT PIC 9(08)V99 05 DR-PAYMENT-TYPE PIC X(08) 05 DR-ACCOUNT-NUMBER PIC X(10) 05 FILLER PIC X(10) 05 DR-PAYER-NAME PIC X(25) 05 DR-CHECK-NUMBER PIC X(10) BATCH TRAILER

IV. F- 11

01 BT-BATCH-TRAILER. 05 BT-REC-TYPE PIC 9(01) 05 BT-SYS-BATCH-NUMBER PIC 9(03) 05 FILLER PIC 9(03) 05 BT-LOCKBOX PIC X(07) 05 BT-DEPOSIT-DATE PIC 9(06) 05 BT-BATCH-ITEM-COUNT PIC 9(03) 05 BT-BATCH-TOTAL PIC 9(08)V99 05 FILLER PIC X(47) File Layout 4: Text File- BAI Format File Header 01 FH-FILE-HEADER. 05 FH-RECORD-TYP PIC X(01) 05 FH-PRIORITY PIC 9(02) 05 FH-DESTINATION PIC X(10) 05 FH-SOURCE PIC 9(10) 05 FH-DATE PIC 9(06) 05 FH-TIME PIC 9(04) 05 FILLER PIC X(47) Lockbox Header 01 LH-LOCKBOX-HEADER. 05 LH-RECORD-TYP PIC X(01) 05 LH-DESTINATION PIC X(10) 05 LH-SOURCE PIC 9(10) 05 LH-REFERENCE-CD PIC 9(03) 05 LH-SERVICE-TYP PIC 9(03) 05 LH-RECORD-SIZE PIC 9(03) 05 LH-CHAR-BLOCK PIC 9(04) 05 LH-FORMAT PIC 9(01) 05 FILLER PIC X(38) Batch Header 01 BH-BATCH-HEADER. 05 BH-RECORD-TYP PIC X(01) 05 BH-BAT-NUMBER PIC 9(03) 05 BH-ITEM-NUMBER PIC 9(03) 05 BH-LOCKBOX-NO PIC X(07) 05 BH-BAT-DATE PIC X(06) 05 BH-DESTINATION PIC X(10) 05 BH-SOURCE PIC X(10) 05 FILLER PIC X(40) Detail Record

IV. F-10

01 DR-DETAIL-REMITTANCE. 05 DR-RECORD-TYP PIC X(01) 05 DR-BAT-NUMBER PIC 9(03) 05 DR-ITEM-NUMBER PIC 9(03)

05 DR-CHECK-AMT PIC 9(08)V99

05 DR-CUST-ROUTE-NO PIC 9(09) 05 DR-CUST-DDA-NO PIC X(15) 05 DR-CHECK-NO PIC X(10) 05 FILLER PIC X(29) Overflow Record 01 DO-DETAIL-OVERFLOW. 05 DO-RECORD-TYP PIC X(01) 05 DO-CHECK-SEQ PIC 9(03) 05 DO-INV-SEQ PIC 9(03) 05 DO-TYP-OVRFLOW PIC 9(01) 05 DO-SEQ-NO PIC 9(02) 05 DO-LAST-CD PIC 9(01) 05 DO-OVRFLOW-AREA PIC X(69) Batch Trailer Record 01 BT-BATCH-TRAILER. 05 BT-RECORD-TYP PIC X(01) 05 BT-BAT-NUMBER PIC 9(03) 05 BT-ITEM-NUMBER PIC 9(03) 05 BT-LOCKBOX-NO PIC X(07) 05 BT-DATE PIC 9(06) 05 BT-NO-OF-CHECKS PIC 9(03)

05 BT-BAT-AMT PIC 9(08)V99

05 FILLER PIC X(47) Lockbx Trailer Record 01 LT-LOCKBOX-TRAILER. 05 LT-RECORD-TYP PIC X(01) 05 LT-BAT-NUMBER PIC 9(03) 05 LT-ITEM-NUMBER PIC 9(03) 05 LT-LOCKBOX-NO PIC X(07) 05 LT-DATE PIC 9(06) 05 LT-NO-OF-CHECKS PIC 9(04)

05 LT-BAT-AMT PIC 9(08)V99

05 FILLER PIC X(46) File Trailer Record

IV. F- 11

01 FT-FILE-TRAILER. 05 FT-RECORD-TYP PIC X(01) 05 FT-NO-OF-RECORDS PIC 9(06) 05 FILLER PIC X(73)

Lockbox Image Transmission KeyBank’s Lockbox Imaging product allows you to retrieve, view, and store images of your Lockbox remittance documents. Checks, Optical Character Recognition (OCR) documents, invoices and other paper documents up to 81/2" x 14," can all be imaged. Access to remittance items through KTT is available the same day items are deposited, three hours after lockbox cutoff time.

Lockbox Image Index File Format – (Text or XML) Outbound From Key Bank

Data Field Description Length Chk / Inv Rec BOX Box number being reported

(08) Both

DEPOSIT DATE Deposit date of the transactions

(06) YYMMDD Both

BATCH Batch number of the transactions

(07) Both

TRANSACTION NUMBER Transaction number within the batch

(3) Both

INVOICE CHECK FLAG Invoice / check flag to determine what it is (I or C)

(01) Both

ROUTING TRANSIT NUMBER Routing and transit number from the check

(08) Check Only

CHECK DDA NUMBER DDA Number from the check

(14) Check Only

ITEM CHECK SEQUENCE NUMBER Serial number from the check

(10) Check Only

BATCH AMOUNT Total dollars for this batch

(10) Both

CHECK AMOUNT Amount of this check

(09) Check Only

CHECK DATE Or any date captured from the check

(06) Check Only Optional

INVOICE NUMBER Or any field up to 10 char captured from invoice

(10) Invoice Only Optional

NET AMOUNT Or any amount field captured from invoice


CUSTOMER NUMBER Or any field up to 12 char captured from invoice

(12) Both Optional

INVOICE DATE Or any date captured from the invoice


PAYOR NAME Or any field up to 22 char captured from the check

(22) Both Optional

PAYOR CITY Or any field up to 7 char captured from the check


PAYOR STATE Or any field up to 2 char captured from the check


File Size and Format Information

The completed image transmission files contain the index file and single tiff (item level images) or multi-tiff (transaction level images). The index file contains information used to match the tiff images from the zip file. The image files can be named in any format that can include lockbox #, batch # and deposit date. The Images and the Index files can be zipped in a single entity. SFTP with TLS is the mechanism followed.

Lockbox Image Extraction via Index File

The index file is used to reference the individual tiff images from the zip file. The index file contains various fields that can be used to “search” for a specific image including lockbox number, deposit date, batch number, several sequencing fields, and optional key data. The index file is described in this document. Key Bank provides its’ lockbox images in Tiff Group IV format.

Lockbox Image Sample Files The image file below is a zip file containing the XML index file and corresponding tiff images. These files represent exact replicas of what clients will receive once in production.

9456789_528235_20

080610.zip

Calculation Analysis Clients can assume 15,000 bytes per check image. Full-page images are generally larger than this size and checks are generally smaller than this size.

IV. F- 12

IV. G- 1

G. Returned Items KeyBank’s returned items solution provides you with images of the front and back of returned checks. The report includes chargeback, paper redeposit and RCK items. One image file is created for each depositing account. Images are a standard TIFF format.

Standard Field Names within the Data Record: (Definitions are provided within the file layout. Business Processing/Returned Date

Original Deposit Date Personal Check Number

Return Reason Maker’s First Name Business Check Number Presentments/Item Types Maker’s Middle Initial Check Amount Number RCKs Maker’s Last Name Check/Written Date RCK1 Re-Presentment Date Driver License Number Image Sequence Number RCK2 Re-Presentment Date Driver License State Code High Speed Sequence

Number Paper Re-Presentment Date Miscellaneous Data Unique Number Deposit Account Number Maker’s Account Number Unique Number Check Field Location ID Maker’s Account Check Field Source Indicator Image Reference Pointers Charge To Account Number Maker’s Routing Number

The standard fields listed below, are populated with data when service is requested. Maker’s First Name Driver License Number Miscellaneous Data Maker’s Middle Initial Driver License State Code Check/Written Date Maker’s Last Name

Header Record contains: (Definitions are provided within the file layout.) Record Type Creation Date Number of Data Fields Field Definition Description Field Definition Length

Trailer Record contains: (Definitions are provided within the file layout.) Record Type Record Count

Sub-Totals Record contains: (Definitions are provided within the file layout. For each Depositing Account Counts by Item Type Dollars by Item Type Number

Totals Record contains: Total count for all by Item Type Total Dollar Amount for all by Item Type

IV. G- 2

Standard Service Guidelines • File is a fixed record length. • One data file is created. • Data file contains multiple depositing accounts. • Data file contains all re-presentment activity (i.e. Paper Re-deposit, RCK and

Chargeback presentments). • If images are provided, separate image files are provided per depositing account. • Images are a standard TIFF format. • File(s) is available daily at 6:00 PM ET.

Field Name TRIPS Field Name

Field Definition Field Length (Char)

Field Format

Field position

Header Record RECORDTYPE --- Record Type Indicator 2 value of 00

for header

1-2

PROCDATE --- Transmission file creation date 8 CCYYMMDD 3-10

RECNUM --- Number of data fields enclosed 6 numeric 11-16

Field Definition Description

--- For each field contained in the file the field name is listed. 20 alpha numeric

17-36

Field Definition Length

--- Each field length is listed in the 6 positions after each field description.

6 numeric 37-42

filler empty 43-800

IV. G- 3



Field Format

Field position

Data Record RECORDTYPE --- 11' Indicates that this record is a Data record 2 value of 11

for data record

1-2

Business Processing Date

--- Date of processing for this item by Key 8 CCYYMMDD 3-10

Return Code ireason-num This is the numeric code version of the ireason-desc field. It is a 2 digit number representing the reason the item is being returned. Valid values are: 01 (NSF 1st) 10 (Refer Maker) 02 (NSF 2nd) 11 (Post Date) 03 (Guar Endorse) 12 (Lost/Stolen) 04 (See Check 1st) 13 (NSF 3rd) 05 (Stop Pay) 14 (Signature) 06 (Endorse) 15 (No Endorse) 07 (Acct Closed) 16 (Uncollect 2nd) 08 (NSF 2nd time) 17 (See Check 2nd) 09 (Stale Date) 18 (Other)

2 alpha numeric

11-12

Return Reason ireason-desc This is the text description of the return reason for each item. NSF 1st Refer Maker NSF 2nd Post Date Guar Endorse Lost/Stolen See Check 1st NSF 3rd Stop Pay Signature Endorse No Endorse Acct Closed Uncollect 2nd NSF 2nd time See Check 2nd Stale Date Other

20 alpha numeric

13-32

Item Type iredeposit-type This is the type of redeposit is being done for this item. Itfthe item is being charged back, this field will be blank. If it is being redeposited, it will have one of the two values: 'e' for electronic (RCK) or 'p' for a paper redeposit. If the redeposit is electronic, the iitem-rck-times field indicates the number of the electronic presentment (0 for first time, and 1 for second).

Blank field = Chargeback P = Paper Redeposit

E and 0 (# RCKs) = RCK1 Debit E and 1 (# RCKs) = RCK2 Debit

(note – if this field is blank – ignore iitem-rck-times)

1 alpha numeric

33

Number RCKs iitem-rck-times The number of the times that the electronic (RCK) item has been presented (including this presentment). If this is being redeposited as a paper item, this number will be blank. A '0' (left zero) indicates an RCK first presentment, and a '1' indicates a second RCK presentment.

1 alpha numeric

34

RCK re- presentment dates

krck1-date Date of 1st RCK (electronic) re-presentment- (date based on special instructions for RCK) Present if iredeposit-type = e And Iitem-rck-times = 0 (zero) Defaults to zero.

8 CCYYMMDD 35-42

IV. G- 4



Field Format

Field position

Data Record (cont.) RCK re- presentment dates

krck2-date Date of 2nd RCK (electronic) re-presentment (date based on special instructions for RCK) Present if iredeposit-type = e And Iitem-rck-times = 1 (one) Defaults to zero.

8 CCYYMMDD 43-50

Paper re- presentment date

kpaper-date Date of paper re-presentment = processing date Present if iredeposit-type = p And Iitem-rck-times = blank Defaults to zero. This date is included when item is RCK as a history.

8 CCYYMMDD 51-58

Deposit Account Number

iacct This is the account number into which the check was deposited.

15 numeric 59-73

Location ID isub-acct This is the sub-acct/store number of account into which the returned check was deposited. It is the numeric representation of the branch that "owns" the depositor's account.

15 alpha numeric

74-88

Charge to Account Number

kcharge-acct This is the account number to which the chargeback was assessed. (note: will not be present for paper representments)

16 numeric 89-104

Original Deposit iitem-dep-date This is the date of the deposit for this item. 8 CCYYMMDD 105-112

Maker First Name

ixfirst-name The First Name of the Maker (writer) of the check that was returned. (data available if requested)

15 alpha numeric

113-127

Maker Middle Initial

ixmiddle-int The Middle Initial of the Maker (writer) of the check that was returned. (data available if requested)

1 alpha numeric

128

Maker Last Name

ixlast-name The Last Name of the Maker (writer) of the check that was returned. (data available if requested)

25 alpha numeric

129-153

Driver License Number

ixdrivers-lic- num

The Driver’s License Number of the Maker (writer) of the check that was returned. (data available if requested)

25 alpha numeric

154-178

Driver Lic. State Code

ixdl-state-code This is the state code of the Drivers License and is an optional field. (data available if requested)

2 alpha numeric

179-180

Miscellaneous Data

ixadd-info This is a 30 position variable text field that will include variable text as entered by the Returns Operations team. (data available if requested)

30 alpha numeric

181-210

Maker Account Number

ixmicr-acct The Account number from the MICR line of the check that was returned. Left justified – filled with spaces.

16 alpha numeric

211-226

Maker account check field

kmicr-acct- valid

Field will be blank for accurate micr account found. Field will contain a ‘1’ when micr account could not be matched, and the ixmicr-acct field contains the zero filled account number.

1 numeric 227

Maker Routing Number

ixmicr-rt The Transit Routing number from the MICR line of the check that was returned. It belongs to the bank from which the check is drawn.

9 numeric 228-236

Personal Check Number

imicr-tc The check number (personal check) of the check that was returned. (right justified/zero padded)

6 numeric 237-242

Business Check Number

imicr-serial The check number (business check) of the check that was returned. (right justified/zero padded)

16 Numeric 243-258

Check Amount iamt The amount of the item that was returned. 10 numeric 259-268Written Date ixwritten-date The date the maker wrote the check – obtained from the

check itself. (data available if requested)

8 CCYYMMDD 269-276

IV. G- 5



Field Format

Field position

Data Record (cont.) Image Sequence Number

image-seq This is the sequence number of the originally scanned check image.

5 numeric 277-281

High Speed Sequence Number

Idb-hispeed- seq

high speed capture number for the returned item. 16 numeric 282-297

Unique Number kunique-key Unique key to the items file – by day. Unique number for each returned item for every time the item comes through the process. Format: YYYYMMDD############ Where – YYYYMMDD = check processing date

############ = item-key

20 numeric 298-317

Unique Number check field

kunique-key- valid

Field will be blank for accurate unique key number found. Field will contain a ‘1’ when unique key number could not be generated or matched.

1 numeric 318

Source indicator ksource- indicator

Contains ‘00’ 2 Numeric 319-320

Image reference pointers

-- Data fields not included in header. These are pointers to image files. One for front and rear images for each data record.

Variable length –

Alpha- numeric

321-461

filler empty 462-800

Trailer Record RECORDTYPE Record Type Indicator 2 value of 99

for trailer 1-2

RECORDCOUNT Number of detail records (not including Header and Trailer)

10 numeric 3-12

filler empty 13-800

IV. G- 6



Field Format

Field position

SUB-TOTALS Record For each account in the file repeat lines 1-3

Line 1 Account Label “Account ” 15 Alpha-

numeric 1-14

Return type label1

“Charge ” 10 Alpha- numeric

15-24

Return type label2

“Redep ” 10 Alpha- numeric

25-34

Return type label3

“RCK1 “ 10 Alpha- numeric

35-44

Return type label4

“RCK2 “ 10 Alpha- numeric

45-54

Line 2 Account number iacct This is the account number into which the check was

deposited. 15 Alpha-

numeric 1-14

Chargeback count

Chgbk-count If iredeposit-type = blank Total the Number of chargebacks in the file for the account

10 Numeric 15-24

Paper Redeposit count

Paper-count If iredeposit-type = P Total the Number of Paper Redeposits in the file for the account

10 Numeric 25-34

RCK1 count RCK1-count If iredeposit-type = E and iitem-rck-times = 0 Total the Number of 1st RCK (electronic redeposits) in the file for the account

10 Numeric 35-44

RCK2 count RCK2-count If iredeposit-type = E and iitem-rck-times = 1 Total the Number of 2nd RCK (electronic redeposits) in the file for the account

10 Numeric 45-54

Line 3 Account number iacct This is the account number into which the check was

deposited. 15 Alpha-

numeric 1-14

Chargeback dollars

Chgbk-dollars If iredeposit-type = blank Add the Total dollars for all chargebacks in the file for the account

10 Numeric 15-24

Paper Redposit dollars

Paper-dollars If iredeposit-type = P Add the Total dollars of all Paper Redeposits in the file for the account

10 Numeric 25-34

RCK1 dollars RCK1-dollars If iredeposit-type = E and iitem-rck-times = 0 Add the Total dollars of all 1st RCK (electronic redeposits) in the file for the account

10 Numeric 35-44

RCK2 dollars RCK2-dollars If iredeposit-type = E and iitem-rck-times = 1 Add the Total dollars of all 2nd RCK (electronic redeposits) in the file for the account

10 Numeric 45-54

IV. G- 7



Field Format

Field position

TOTALS Record Line 1 Total Label “Final Totals “ 15 Alpha-

numeric 1-14

Total Chargeback count

Chgbk-count- total

Add chgbk-count fields for all accounts in file 10 Numeric 15-24

Total Paper Redeposit count

Paper-count- total

Add paper-count fields for all accounts in file 10 Numeric 25-34

Total RCK1 count

RCK1-count- total

Add RCK1-count fields for all accounts in file 10 Numeric 35-44

Total RCK2 count

RCK2-count- total

Add RCK2-count fields for all accounts in file 10 Numeric 45-54

Line 2 Space “ “ 15 Alpha-

numeric 1-14

Total Chargeback dollars

Chgbk-dollars- total

Add Chgbk-dollars fields for all accounts in file 10 Numeric 15-24

Total Paper Redposit dollars

Paper-dollars- total

Add paper-dollars fields for all accounts in file 10 Numeric 25-34

Total RCK1 dollars

RCK1-dollars- total

Add RCK1-dollars fields for all accounts in file 10 Numeric 35-44

Total RCK2 dollars

RCK2-dollars- total

Add RCK2-dollars fields for all accounts in file 10 Numeric 45-54

Detail description of Image Reference Pointers:

Data description Data length Length of file name (front B/W) Fixed – 4 Name of file name (front B/W) Variable as indicated in length field above.Length of the image data (front B/W) Fixed – 10 Offset of the image data (front B/W) Fixed -10Length of file name (front grayscale) Fixed – 4 Name of file name (front grayscale) Variable as indicated in length field above.Length of the image data (front grayscale) Fixed – 10 Offset of the image data (front grayscale) Fixed -10 Length of file name (rear B/W) Fixed – 4Name of file name (rear B/W) Variable as indicated in length field above. Length of the image data (rear B/W) Fixed – 10Offset of the image data (rear B/W) Fixed -10 Length of file name (rear grayscale) Fixed – 4 Name of file name (rear grayscale) Variable as indicated in length field above.Length of the image data (rear grayscale) Fixed – 10 Offset of the image data (rear grayscale) Fixed –10

ViewPay Installation Instructions

1. Double click ViewPay.exe to install 2. At the welcome screen click NEXT

3. At Customer Information Screen: Input Name, Organization, and all users.

IV. G- 8

4. Leave the Install path as Default

5. Select INSTALL

IV. G- 9

6. Select FINISH to complete the installation.

IV. G- 10

In order to ensure that the application works correctly: 7. On the local C: Drive create the following folders:

C:\Applsrv\windss 8. Place all .dat and .img files into the “windss” folder before opening in Viewer

IV. G- 11

ViewPay User Instructions

1. In order for the ViewPay.exe to work correctly the Data and Image files to be viewed must be copied to this Directory: C:\applsrv\windss.

2. Next, the file names of the .dat and .img file must follow the ViewPay naming convention. An “underscore a” ( _a ) must be added to the file name after the Payor file name and before “.dat”. (example: Filename_a.dat & Filename_a.img)

“filename”_a.dat “filename”_a.img

Directory

IV. G- 12

3. Open ViewPay.exe. 4. Click “Start / Programs/ data support systems, inc/ viewpay/ Launch

Viewpay.exe”

IV. G- 13

5. Click “Select payor file”.

IV. G- 14

6. The Select file window will open.

7. The file will be in C:\applsrv\windss.

IV. G- 15

8. Under Files of type: Select “Raw payor file {*.dat}”

IV. G- 16

9. Select the .dat file and click Open

10. The Viewer will display the data and images from the selected file. The top half of the Viewer is the data information and the bottom is the check image associated with it.

Scrolls through records

Scrolls through fields

and Toggles front back of check

IV. G- 17

Extraction type

To Extract the data: 11. The data (either a single item or all items) from this file can be extracted into a

formatted file that can be imported into a spreadsheet. Select extraction type (All items or Current item ) and click Extract.

IV. G- 18 12. Choose where to save the file, enter a name for the file, and click save.

IV. G- 19

All Items in file extracted.

Extracted images

***Please note, files that start with F are front images and R are rear images. ***

Extracted data file

Extracted data file

Extracted image

Current item only extract.

IV. G- 20

13. Right click on the *.iex file and ‘open with’ Microsoft excel. 14. When a .dat file is opened in the Viewer, a .pay file is created. This file can be

used to reopen the file in the Viewer or it can be saved elsewhere as an archive.

.pay file

IV. G- 21

To open the .pay file 1. Look in the winds folder. Under “Files of type” choose Indexed payor file {*.pay}.

S e l e c t t h e . p a y f i l e a n d c l i c k o p e n .

Files of type

.pay file

IV. G- 22

H. Integrated Receivables Overview: KeyBank's Integrated Receivables solution will allow you to receive one consolidated data transmission of your Lockbox checks, Incoming ACH and Wire payments. You may receive this direct transmission through an Encrypted File Transfer in a BAI or Flat File format. Below are the details regarding the file layouts. Integrated Receivables Output Reference Information - - Flat File Payment Type acronym definitions:

• ACH – Automated Clearing House o EDI – Electronic Data Interchange

• CHK – Check • WIR – Wire

* Check transactions are processed through a Processing Channel. Payment Channel acronym definitions:

• ACH – Automated Clearing House • LBA – Lockbox • FWT - Wire

Integrated Receivables flat files are composed of the following record types:

File Header record – marks the beginning of a file and uniquely identifies a file. FH Transaction Summary record – provides basic payment information. TS Payer Detail record – provides additional information about the party remitting payment. PD Transaction Detail record – provides detailed payment information. TD Detail record (DR) – provides document and detail entry remittance or invoice information associated with a CHK payment. DR

Invoice Detail record – provides human translated addenda information accompanying an ACH payment.

ID *Note: Addenda Records for the following ACH Standard Entry Class Codes (SEC’s) may have invoice details translated: CTX, CCD, IAT, and PPD.

Supplemental Addenda record – provides un-translated addenda information accompanying an ACH payment. SA

Extended Remittance record – provides additional remittance information associated with a WIR payment.

*Note: The ER Record type is reserved for future Extended Remittance Information (ERI) use* ER

Account Summary record – marks the end of an account and provides item and amount totals for the file. AS

FT File Trailer record – marks the end of a file and provides item and amount totals for the file.

IV. H-1

Features of the Flat File format: • The file format is a multi-record file type.

• The file format has a fixed number of columns and variable length of record types and fields.

Example of variable-length field: If data for a field is ABC Corp that field length is eight (seven letters plus a space). If the data for that field is ABC Corporation then the field length is 15.

• The field delimiter used is the pipe symbol ( | ). A field delimiter is a character that separates two data fields within a record.

• An Account Summary record (AS) will display for each Receiver / Payee Deposit Account

Number. Example of 2 Receiver / Payee Deposit Account Numbers:

|AS|00000837409135862092|3|000000000150000|~ |AS|00000486920138459281|3|000000000130000|~ • Payment transactions are presented in the following order:

o ACH o CHK o WIR

For instance, An Integrated Receivables flat file containing ACH, CHK, and WIR payment transactions and 2 Receiver / Payee Deposit Account Numbers would display as follows:

o ALL ACH transactions first for the first account, then ALL CHK transactions for the first account, then ALL WIR transactions for the first account;

o then display ALL ACH transactions for the second account, then ALL CHK transactions for the second account, and then ALL WIR transactions for the second account; and so on.

• The end-of-record character used is the tilde character ( ~ )

The end-of-marker character marks the end of each record.

• The usage notation on the file record specifications indicates whether the field may be provided for each payment type. Data is only included for a field if provided by the originating processing system. The usage notation can be found in the details of each field.

• If data is not presented for a field, an empty value will result.

• Amount field lengths are fixed and expressed in dollars and cents with an implied decimal of two

significant digits, unless indicated otherwise. Example of an amount of $500.00 provided in a Number field, length of 12:

o Field format value: 000000050000

Example of an amount of $500.00 provided in an Amount field, length of 15: o Field format value: 000000000050000

IV. H-2

• TS – Transaction Summary records

o TS records display a summary of the transaction. For example: the amount of the payment, the payment channel (ACH, LBA, FWT) and receiver / payee information.

o Each TS record represents a single transaction or payment. Example of a TS record |TS|000000160000|000001000000|130325|CHK|C|LBA|……~

• PD - Payer Detail records o PD records display information specific to the originator or payer. For example: Payer

Name, Payer Bank Account Number, Payer City and State. Example of a PD record |PD|ACME Crane|89456025|67092|77663058982784|........~

• TD - Transaction Detail records o TD records display the specific details of a given transaction by type (ACH, CHK, WIR).

For example: A count of the ACH addenda records, a lockbox number, or wire source code. Example of a TD record |TD|N|N||023876086|87324|Cleveland|USD|........~

• DR – Detail records o DR records display all of the information specific to the documents and detail entry

associated with CHK payments processed through the LBA payment channel. Example of a DR record |DR|01|04|4_545646_20130325_877_6|2222|33|Detail Entry Field 1 = 098|Detail Entry Field 2 = 00000500|Detail Entry Field 3 = 500|

• ID – Invoice Detail records o ID records generate only in the event Invoice details accompany ACH payments with EDI

(human readable) translation. o Each invoice results in a unique ID record. o The second field position in the ID record sequences each unique invoice beginning with

01. Example of 2 invoices accompanying a payment: |ID|01|120815|9830274|Monthly Bill|New York|NY|80000|......~ |ID|02|120915|8027591|Monthly Bill|New York|NY|80000|......~

IV. H-3

• SA - Supplemental Addenda records are associated with the ACH payment type only.

o SA records generate only in the event Addenda records accompany the ACH payment. Note: National Automated Clearing House (NACHA) rules define the number of optional or mandatory Addenda records may accompany ACH payments based on Standard Entry Class Code (SEC).

o Each Addenda record results in a unique SA record. o The second field position in the SA record identifies and sequences each unique SA

record beginning with 01. Example of 3 Addenda records accompanying an ACH payment: |SA|01|This represents 1 of 3 free form Supplemental Addenda fields………~ |SA|02|This represents 2 of 3 free form Supplemental Addenda fields………~ |SA|03|This represents 3 of 3 free form Supplemental Addenda fields………~

• ER – Extended Remittance Information (ERI) is associated with the WIR payment type only. o A single field of up to 9,000 characters generates only in the event optional, extended

remittance information accompanies the WIR payment. *Note: The ER Record type and this field / column are reserved for future Extended Remittance Information (ERI) use*

• Empty or Null Files

A Null file generates when there are no transactions to report. Null files are composed of the following record types:

o File Header record (FH) containing the File Creation Date and File Creation Time. o File Trailer record (FT) containing the File Level Total Transaction Count and Total Dollar

Amount of Transactions in the File. Example of a Null file: |FH|120926|1515|~ |FT|0|000000000000000|~

IV. H-4

Flat File Record and Field Positions |FH|File Creation Date|File Creation Time|~

|TS|Payment Amount|Bank Reference Number|Effective Date|Payment Type|Transaction Type|Payment Channel|Payment Transaction Trace/System Reference Number|Receiver Payee Name|Receiver/Payee Routing Number|Receiver/Payee Deposit Account Number|~

|PD|Originator / Payer Name|Originator / Payer Company ID|Originator / Payer Number|Originator / Payer Financial Institution Number|Originator / Payer Bank Account Number|Originator / Payer Check Number|~

|TD|Addenda / Lockbox Remittance Document Indicator|Payment Addenda / Human Readable Remittance Indicator|Addenda Record Count|Item Sequence Number|Lockbox Number|Lockbox Site|Payment Currency Code|Payment Exchange Rate|Originator to Beneficiary / Receiver Information - Field 1|Originator to Beneficiary / Receiver Information - Field 2|Originator to Beneficiary / Receiver Information - Field 3|Originator to Beneficiary / Receiver Information - Field 4|Reference to Beneficiary / Receiver Information|Fed or Swift Reference Number|Source Code|ACH SEC Code|ACH Payment Description|Descriptive Date|Company Discretionary Data|Company Discretionary Data (additional)|~

|DR|Detail Record Sequence Number|Document Type Indicator|Payment Transaction Trace/System Reference Number|Detail Record Identifier|Item Sequence Number|Detail Entry Field 1 = Value|Detail Entry Field 2 = Value|Detail Entry Field 3 = Value|~

|ID|Invoice Sequence Number|Invoice Date|Invoice Number|Invoice Net Amount|Discount Amount|Invoice Gross Amount|PO Number|Adjustment Amount|Adjustment Reason Code|~

|SA|Supplemental Addenda Record Sequence Number|Addenda Record(s)|~

|AS|Receiver / Payee Deposit Account Number|Deposit Account Level Transaction Count|Deposit Account Level Dollars|~

|FT|File Level Total Transaction Count|File Level Total Dollars|File Level ACH Transaction Count|File Level ACH Dollars|File Level CHK Transaction Count|File Level CHK Dollars|File Level WIR Transaction Count|File Level WIR Dollars|~

IV. H-5

Flat File Record Specifications

Record Type Code

Record Type Usage Mandatory (M) Optional (O) Not Used (NU)

Field Field Description Default Value

Format Format / Examples

FH File Header M FH FH File Header M File Creation Date Date file was created. YYMMDD 130325

FH File Header M File Creation Time Time file was created. 0000 - 2400 1515

TS Transaction

Summary M TS

TS Transaction Summary

M Payment Amount Amount of the payment transaction.

############ (12 digits - numeric)

(Ex: $500.00 would display as 000000050000)


M Bank Reference Number

Integrated Receivables System Reference Number.

############ (12 digits - numeric)

(Ex: 1000000 s/b displayed as 000001000000)


M Effective Date Effective date of the payment. YYMMDD 130325


M Payment Type Indicates the payment type. Payment type list: ACH = Automated Clearing House CHK = Check WIR = Wire

N/A N/A


M Transaction Type Indicates the transaction type. Transaction type list: C = Credit

C N/A N/A


M Payment Channel Indicates the payment channel. Payment Channel list: ACH = Automated Clearing House LBA = Lockbox FWT = Wire

N/A N/A


M Payment Transaction Trace / System Reference Number

Unique transaction trace or reference number.

N/A N/A

IV. H-6

Record Type Code





M Receiver / Payee Name For ACH and WIR, this is your company name as entered by your customer for the payment. For CHK payments processed through Lockbox, this is the Lockbox Name.

N/A N/A


M Receiver / Payee Routing Number

Indicates the Routing / Transit number for your company's KeyBank account.

N/A N/A


M Receiver / Payee Deposit Account Number

Your company's KeyBank account number.

####################(20 digits - numeric)

(Ex: Account Number 45859284923784 would display as 00000045859284923784)

PD Payer Detail M PD PD Payer Detail ACH - M

CHK - NU WIR - O

Originator / Payer Name

Originator's Name, as entered by your customer for the payment.

N/A N/A

PD Payer Detail ACH - M CHK - NU WIR - NU

Originator / Payer Company ID

Originator's company ID assigned by the the ODFI.

N/A N/A

PD Payer Detail ACH - O CHK - NU WIR - O

Originator / Payer Number

Originator's Number, as entered by your customer for the payment.

N/A N/A

PD Payer Detail ACH - M CHK - O WIR - O

Originator / Payer Financial Institution Number

Payment Originator / Payer Financial Institution Number. For ACH payments, it is the ODFI Routing Number. For CHK payments, it is the Remitter's Routing Number (from their financial institution), if captured, from the MICR line of the check document. For WIR payments: it is a Number used to identify the sending financial institution if the wire is FED = Federal Reserve it is a Swift Code used to identify the sending financial institution if the wire is SWF = Swift

N/A N/A

IV. H-7

Record Type Code




PD Payer Detail ACH - NU CHK - O WIR - NU

Originator / Payer Bank Account Number

Remitter's Account Number (from their financial institution), if captured, from the MICR line of the check document.

N/A N/A

PD Payer Detail ACH - NU CHK - O WIR - NU

Originator / Payer Check Number

Remitter's Check Number (from their financial institution), if captured, from the MICR line of the check document.

N/A N/A

TD Transaction

Detail TD

TD Transaction Detail

ACH - M CHK - M WIR - N (by default)

ACH Addenda / Lockbox Remit Document or Scan Document with Detail Entry Indicator

Indicates the presence of Addenda Information (ACH) or Remit or Scan Document (CHK). Addenda Indicator list (ACH): Y = indicates Addenda accompanies the ACH payment sent by your customer. N = indicates Addenda does not accompany the payment sent by your customer. Remit or Scan Document Indicator (CHK): Y = indicates Remit Document or Scan Document with detail entry accompanies the check payment sent by your customer. N = indicates Remit Document or Scan Document without detail entry does not accompany the check Payment sent by your customer.

Y or N N/A

IV. H-8

Record Type Code





ACH - EDI-M CHK - N (by default) WIR - N (by default)

Payment Addenda / Human Readable Remittance Indicator

Indicates Addenda information was entered by your customer and translated into human readable form by KeyBank's EDI system. Payment Addenda / Human Readable Remittance Indicator list: Y = indicates the Addenda Information accompanying your payment is translated by EDI system N - indicates the Addenda Information accompanying your payment (if any) is not translated by EDI system

Y or N N/A


ACH - M CHK - NU WIR - NU

Addenda Record Count Indicates the number of ACH Addenda Records that accompanied the ACH payment.

N/A N/A


ACH - NU CHK - M WIR - NU

Item Sequence Number Unique item sequence number.

N/A N/A



Lockbox Number Lockbox Number. N/A N/A



Lockbox Site Lockbox Site Name. N/A N/A


M Payment Currency Code

Payment Currency funds are posted in at KeyBank. USD = US Dollars

USD N/A N/A


ACH - NU CHK - NU WIR - O

Payment Exchange Rate

Payment Exchange Rate applied to the payment, if any.

#######.############ (18 digits - numeric)

000001.62110000000


ACH - NUCHK - NUWIR - O

Originator to Beneficiary / Receiver Information - Field 1

OBI Field 1 -Free-form field used by your customer to supply Originator to Beneficiary (OBI) information, if any.

N/A N/A

IV. H-9

Record Type Code







OBI Field 2 - Free-form field used by your customer to supply Originator to Beneficiary (OBI) information, if any.

N/A N/A





N/A N/A





N/A N/A



Reference to Beneficiary / Receiver Information

Free-form field used by your customer to supply Reference to/for Beneficiary (RTB or RFB) information, if any.

N/A N/A


ACH - NU CHK - NU WIR - M

Fed or Swift Reference Number

Fed or Swift Reference Number.

N/A N/A


ACH - NU CHK - NU WIR - M

Source Code Identifies the source of the wire. Source List: FED = Federal Reserve SWF = Swift

N/A N/A

IV. H-10

Record Type Code






ACH SEC Code Standard Entry Class Code entered by your customer. Standard Entry Class Code (SEC) List: CCD = Cash Concentration or Disbursement CTX = Corporate Trade Exchange CIE = Customer Initiated Entry IAT = International ACH Transaction PPD = Prearranged Payment and Deposit POS = Point of Sale Others = See NACHA Rules

N/A N/A



ACH Payment Description

Payment Description, if any, entered by your customer. If the payment is reversed by the Originator / ODFI, REVERSAL will appear.

N/A N/A


ACH - O CHK - NU WIR - NU

Descriptive Date Descriptive date, if any, entered by your customer. Not used for settlement / posting.

YYMMDD 130327



Company Discretionary Data

Discretionary Data, if any, entered by your customer.

N/A N/A



Company Discretionary Data (additional)

Additional Discretionary Data, if any, entered by your customer.

N/A N/A

DR Detail Record CHK payment

type only DR

DR Detail Record CHK - O Detail Record Sequence Number

Each unique detail record will be will be prefaced with an sequence number starting with 01.

01

IV. H-11

Record Type Code




DR Detail Record CHK - O Document Type Indicator

Signifies the document type. Document Type List: 03 = Remit Doc (coupon document) 07 = Scanned Doc (non-coupon scanned document. Examples: Invoice, envelope, etc.) 04 = Check Doc (physical check document)

03

DR Detail Record CHK - O Payment Transaction Trace / System Reference Number

Unique transaction trace or reference number used to tie together a single transaction. Used for research purposes. 5 fields separated by underscore list: Lockbox Site Code Lockbox Number Bank Day System Batch Number Transaction Number

5 fields separated by _

DR Detail Record CHK - O Detail Record Identifier Unique identifier for each detail record in Integrated Receivables system. Also used for research purposes.

numeric - can be 1 or more digits

DR Detail Record CHK - O Batch Item Sequence Number

Identifier used to identify where the item is within the batch. Also used for research purposes.


DR Detail Record CHK - O Detail Entry Field 1 of x Detail Entry Fields captured based on your Lockbox processing instructions (aka: Requirements). Information displays as Field Name=Field Value

Invoice Number = 123

ID Invoice Detail ACH with EDI

payment type only

ID

IV. H-12

Record Type Code




ID Invoice Detail ACH (no EDI) - NU ACH (w / EDI) -O CHK - NU WIR - NU

Invoice Sequence Number

Each unique invoice that accompanied your payment will be prefaced with an invoice sequence number starting with 01.


Invoice Date Date Present on Invoice document as entered by your customer.

YYMMDD 120927


Invoice Number Invoice Number present on Invoice document.

N/A N/A


Invoice Net Amount Applied amount from payment received.

############ (12 digits - numeric)

(EX: $500.00 would display as 000000050000)


Discount Amount The amount of discount taken, if any.

############ (12 digits - numeric)



Invoice Gross Amount Gross invoice (dollar) amount (includes charges, less allowances) before terms discount, if any discount is applicable.

############ (12 digits - numeric)



PO Number Purchase Order Number. N/A N/A

IV. H-13

Record Type Code





Adjustment Amount The amount of the adjustment taken.

############ (12 digits - numeric)



Adjustment Reason Code

Code indicating the reason for claiming the adjustment.

N/A N/A

SA Supplemental

Addenda ACH payment type only

SA

IV. H-14

Record Type Code




SA Supplemental Addenda


Supplemental Addenda Record Sequence Number There may be 1 or many Sequence Number fields. This is driven by the Standard Entry Class Code (SEC) and NACHA Rules. See Field Description for details.

Each unique Supplemental Addenda record is prefaced with a sequence number starting with 01. KeyBank will receive a maximum number of 1 addenda record for the following SEC's: CCD = Optional CIE = Optional PPD = Optional POS = Mandatory unless prenote Others = See NACHA Rules KeyBank will receive a minimum of 7 addenda records (travel rule) and a maximum of 12 for the following SEC: IAT = Mandatory KeyBank will receive a maximum of 9,999 addenda records for the following SEC: CTX = Optional

N/A N/A

SA Supplemental Addenda


Addenda Record(s) (Raw, untranslated) There may be 1 or more Addenda Records. This is driven by the Standard Entry Class Code (SEC) and NACHA Rules.

Free-form ACH addenda record accompanying the ACH payment, if any.

N/A N/A

ER* Extended

Remittance WIR payment type only

ER *This record type is reserved for future Extended Remittance Information (ERI) use.

IV. H-15

Record Type Code




ER* Extended Remittance


Extended Remitance Information

Free-form field used by your customer to supply Extended Remittance information (ERI), if any.

*This field / column is reserved for future Extended Remittance Information (ERI) use.

N/A

AS Account

Summary AS

AS Account Summary

M Receiver / Payee Deposit Account Number


####################(20 digits - numeric)

0000045859284923784

AS Account Summary

M Deposit Account Level Transaction Count

Total Number of transactions by Receiver / Payee Deposit Account Number.

Numeric 23

AS Account Summary

M Deposit Account Level Dollars

Total dollar amount of transactions by Receiver / Payee Deposit Account Number.

############### (15 digits - numeric)


FT File Trailer FT FT File Trailer M File Level Total

Transaction Count Total Number of transactions in the file.

Numeric 23

FT File Trailer M File Level Total Dollars Total dollar amount of transactions in the file.

############### (15 digits - numeric)


FT File Trailer M File Level ACH Transaction Count

Total number of ACH transactions in the file.

Numeric 23

FT File Trailer M File Level ACH Dollars Total dollar amount of ACH transactions the file.

############### (15 digits - numeric)


FT File Trailer M File Level CHK Transaction Count

Total number of CHK transactions in the file.

Numeric 23

IV. H-16

Record Type Code




FT File Trailer M File Level CHK Dollars Total dollar amount of CHK transactions in the file.

############### (15 digits - numeric)


FT File Trailer M File Level WIR Transaction Count

Total number of WIR transactions in the file.

Numeric 23

FT File Trailer M File Level WIR Dollars Total dollar amount of WIR transactions in the file.

############### (15 digits - numeric)


Sample Flat File Text Key

• Red text signifies ACH transactions • Green text signifies CHK transactions • Blue text signifies WIR transactions • Bold blue text signifies 1) Addenda / Lockbox Remit or Scan Document Indicator,

2) Payment Addenda / Human Readable Remittance Indicator, 3) Scan Document Indicator • Bold pink text signifies the Document Type Indicator • Bold purple text signifies the Payment Transaction Trace / System Reference

Number. • Bold black text, 2 character Record Type code (ex: |FH|) • Bold black text, 3 character Payment Type code (ex: ACH) • Bold black text, 20 digit numeric string signifies the Receiver / Payee Deposit

Account Number

IV. H-17

Sample Flat File Without EDI

File Header |FH| |FH|130325|2259|~ |TS|000000100000|000001234567|130325|ACH|C|ACH|12345678910121|Receiver Payee Name|041001039|00000000123456789808|~ |PD|Originator Payer Name 1|1234567899|098765432111|987654321|||||~ |TD|Y|N|0||||USD|||||||||CCD|DEPOSIT|130206|||~ |SA|01|198RD5*00* *22* *01*090987652 *01*109876549 *198765*12010101076673|~ |SA|02|6750*A*003330*0065678901*0*L*>\JJ*RS*09yy989612 *1PPPP087*137728*1200*00YY&*%0001*X *0030OPOP0987673|~ |SA|03|404789111\DTM*020*1307050000445751.35*C*ACH\TRN*1*0040\ST*820*000002006730001\BPR*I*0030100036|~

|SA|04|0040987807SERR*00*PE*TATON001 \00046200673|05***20\N1DUVICE \REF*VK FLUU&642YING ~ |SA|05|Z 1323000 \RY78LKM*IV*3056100000000000705E1 00056200673****CT*00NT****00000(639MMy&00|~

ACH payment with Addenda |SA| without EDI human readable

translation |ID|

|TS|000000100000|000001000020|130325|CHK|C|LBA|1_123456_20130325_472827_11|Company Lockbox Name|041001039|00000000123456789808|~ |PD||||041000124|111112233|2001|~ |TD|Y|N||1|123456|Cleveland|USD||||||||||||||~ |DR| 01| 07|1_123456_20130325_472827_11|2222|2|Invoice Number = 0988|Invoice Amount = 5000|Customer Number = 9090|~ |DR| 02| 07|1_123456_20130325_472827_11|2225|2|Invoice Number = 0987|Invoice Amount = 5000|Customer Number = 9090|~ |DR| 03| 07|1_123456_20130325_472827_11|2226|2|Invoice Number = 0986|Invoice Amount = 5000|Customer Number = 9090|~ |DR| 04| 07|1_123456_20130325_472827_11|2235|2|Invoice Number = 0985|Invoice Amount = 5000|Customer Number = 9090|~

Single Check payment Single scan document

Detail entry fields for 4 invoices Addenda / Document Indicator is

Y in TD Record.

|TS|000000300000|000003456789|130325|WIR|C|FWT|8765432100000027|Receiver Payee Name|041001039|00000000123456789808|~ |PD|Originator Payer Name 5|||0000001234567/|||||~ |TD|N|N|||||USD|000000.00000000000|Originator to Beneficiary_1|Originator to Beneficiary_2||||0123KEYBUS30ABCB1234567890|FED||||||~

Wire payment

|TS|000000200000|000001234567|130325|ACH|C|ACH|12345678910121|Receiver Payee Name|041001039|00000000098765432358|~ |PD|Originator Payer Name 2|1234567899|098765432111|987654321|||||~

|TD|N|N|0||||USD|||||||||CCD|DEPOSIT|130206|||~

ACH payment without Addenda |SA|

without EDI human readable translation |ID|

|TS|000000100000|000001000024|130325|CHK|C|LBA|2_121212_20130325_877_6|Company Lockbox Name|041001039|00000000098765432358|~ |PD||||124301025|111112255|4001|~ |TD|Y|N||1|121212|Cincinnati|USD||||||||||||||~

Single Check payment 3 detail entry fields from check

Addenda / Document Indicator is Y in TD Record. |DR|01|04|2_121212_20130325_877_6|5444|1|Payor Name = Sample Payer|Invoice City = Cleveland|Invoice State = OH|~

|TS|000000100000|000001000024|130325|CHK|C|LBA|0_77777_20130325_111_1|Company Lockbox Name|041001039|00000000098765432358|~ |PD||||053000196|111112244|3001|~ |TD|Y|N||1|77777|Denver|USD||||||||||||||~ |DR|01|03|0_77777_20130325_111_1|2222|2|Payor Name = Sample Payer|Amount Due = 110000|Gross Amount = 110000|~ |DR|02|03|0_77777_20130325_111_1|2240|3|Payor Name = Sample Payer|Amount Due = 10000|Gross Amount = 10000|~

Single check payment Two remit documents

3 detail entry fields Addenda / Document Indicator is

Y in TD Record.

|TS|000000300000|000003456789|130325|WIR|C|FWT|8765432100000027|Receiver Payee Name|041001039|00000000098765432358|~ |PD|Originator Payer Name 6|||0000001234567/|||||~ |TD|N|N|||||USD|000000.00000000000|Originator to Beneficiary_1||||Reference to Beneficiary|0123KEYBUS30ABCB1234567890|SWF||||||~

Wire payment

|AS|00000000123456789808|3|000000000500000|~ |AS|00000000098765432358|4|000000000700000|~

2 Account Summary records |AS|

|FT|7|000000001200000|2|000000000300000|3|000000000300000|2|000000000600000|~ File Trailer |FT|

IV. H-18

Sample Flat File With EDI

File Header |FH| |FH|130326|2259|~ |TS|000000100000|000001234560|130325|ACH|C|ACH|98765454545410|Receiver Payee Name|125200879|00000000123456789808|~ |PD|Originator Payer Name |31232326122|00049090909001|909876508|||||~ |TD|Y|Y|24||||USD|||||||||CTX|CONTRACTS|130301||CONTRACT PAYMENTS|~ |ID|01|130228|3Z 132305610000000000000001||||000499043000|000000000000|000000000000|||000000000000||~ |ID|02|130228|3Z 132305610000000000000002||||002435805000|000000000000|000000000000|||000000000000||~ |ID|03|130228|3Z 132305610000000000000003||||000088338000|000000000000|000000000000|||000000000000||~ |SA|01|198RD5*00* *22* *01*090987652 *01*109876549 *198765*12010101076673|~ |SA|02|6750*A*003330*0065678901*0*L*>\JJ*RS*09yy989612 *1PPPP087*137728*1200*00YY&*%0001*X *0030OPOP0987673|~

|SA|03|404789111\DTM*020*1307050000445751.35*C*ACH\TRN*1*0040\ST*820*000002006730001\BPR*I*0030100036|~ |SA|04|0040987807SERR*00*PE*TATON001 \00046200673|05***20\N1DUVICE \REF*VK FLUU&642YING ~ |SA|05|Z 1323000 \RY78LKM*IV*3056100000000000705E1 00056200673****CT*00NT****00000(639MMy&00|~

ACH payment with Addenda |SA|

with EDI human readable translation |ID|

|TS|000000200000|000001234560|130325|ACH|C|ACH|98765454545410|Receiver Payee Name|125200879|00000000098765432358|~ |PD|Originator Payer Name|9087654322|00052098765402|123456708|||||~ |TD|Y|Y|13||||USD|||||||||CTX|CONTRACTS|130301||CONTRACT PAYMENTS|~ |ID|01|130130|290866||||000282232000|000000000000|000000000000|||000000000000||~ |ID|02|130130|290891||||005915652000|000000000000|000000000000|||000000000000||~ |ID|03|130130|290892||||005915652000|000000000000|000000000000|||000000000000||~ |SA|01|00705ISA*00* *00* *01*0910988 JJ6 ***Hy44LMN *130228*120000184|~ |SA|02|7050*U*00200*000000001*0*P*>\GS*RA*09103612 *02130007*130228*1200*000000001*X *003000028400149|~ |SA|03|R*I*00100000001003840014951\DT9583*AC70540\ST*820*0121135.36H\TRN*1*000000001\BP00M*020*1303*C|~

ACH payment with Addenda |SA|

with EDI human readable translation |ID|

|AS|00000000123456789808|1|000000000100000|~ |AS|00000000098765432358|1|000000000200000|~

2 Account Summary records |AS|

|FT|2|00000000300000|2|000000000300000|||||~ File Trailer |FT|

IV. H-19

Sample Flat File Null File

The following is a sample NULL extract file.

|FH|120926|1515|~ |FT|0|000000000000000|~

FH record and associated columns File Header File Creation Date File Creation Time

FT record and associated columns

File Trailer Tot. no. of trans. in file Tot. $ of trans. in file

Detailed Flat File Check Scenarios Example 1: Single check payment; no remit (03) or scan (07) documents; no detail entry fields. DR Record does not display. Addenda / Document Indicator is N in TD Record. TS –Transaction Summary

|TS|000000100000|000001000020|130325|CHK|C|LBA|1_11111_20130325_321_11|Company Lockbox Name|041001039| 00000444111444111444|~

PD - Payer Detail |PD||||121000248|1111122|1001|~ TD - Transaction Detail

|TD|N|N||1|11111|Cleveland|USD||||||||||||||~

IV. H-20

Detailed Flat File Check Scenarios (continued) Example 2: Single check payment; single scan document (07); detail entry fields for 4 invoices. Addenda / Document Indicator is Y in TD Record. TS –Transaction Summary

|TS|000000110000|000001000021|130325|CHK|C|LBA|1_123456_20130325_472827_11|Company Lockbox Name|041001039|00000777111777111777|~

PD - Payer Detail |PD||||041000124|111112233|2001|~

TD - Transaction Detail

|TD|Y|N||1|123456|Cleveland|USD||||||||||||||~

DR – Detail Record |DR| 01| 07|1_123456_20130325_472827_11|2222|2|Invoice Number=0988|Invoice Amount=5000|Customer Number=9090|~



DR – Detail Record

|DR| 04| 07|1_123456_20130325_472827_11|2235|2|Invoice Number=0985|Invoice Amount=5000|Customer Number=9090|~

Example 3: Single check payment; two remit documents (03); 3 detail entry fields. Addenda / Document Indicator is Y in TD Record.

TS –Transaction Summary




|TD|Y|N||1|77777|Denver|USD||||||||||||||~

DR – Detail Record |DR|01|03|0_77777_20130325_111_1|2222|2|Payor Name=Sample Payer|Amount Due=110000|Gross Amount=110000|~


|DR|02|03|0_77777_20130325_111_1|2240|3|Payor Name=Sample Payer|Amount Due=10000|Gross Amount=10000|~

IV. H-21

Detailed Flat File Check Scenarios (continued)

Example 4: Single check payment; 3 detail entry fields from check. Addenda / Document Indicator is N in TD Record.





|TD|N|N||1|121212|Cincinnati|USD||||||||||||||~


|DR|01|04|2_121212_20130325_877_6|5444|1|Payor Name=Sample Payer|Invoice City=Cleveland|Invoice State=OH|~

Example 5: Single check payment; 3 detail entry fields for check; single remit document (03). Addenda / Document Indicator is Y in TD Record. TS –Transaction Summary




|TD|Y|N||1|16541|Tacoma|USD||||||||||||||~

DR – Detail Record |DR|01|03|4_16541_20130325_1_321|1124|2|Detail Entry Field 1=098|Detail Entry Field 2=00000500|Detail Entry Field 3=500|~


|DR|02|04|4_16541_20130325_1_321|1111|1|Detail Entry Field 1 = 098|Detail Entry Field 2 = 00000500|Detail Entry Field 3 = 500|~

Detailed Flat File Check Scenarios (continued) IV. H-22

Example 6: Single check payment; with information for 5 invoices with 3 details entry fields. Addenda / Document Indicator is N in TD Record.











|DR|05|04|2_17177_20130325_111_1|5567|21|Detail Entry Field 1=222|Detail Entry Field 2=00000600|Detail Entry Field 3=500|~

Example 7: Single check payment; with 3 check data entries; one scan document (07) with information for 3 invoices; with 3 data entry fields for each invoice. One scan document (07) with 3 details entry fields for single invoice. Addenda / Document Indicator is Y in TD Record. TS –Transaction Summary




|TD|Y|N||18|987987|Tacoma|USD||||||||||||||~







IV. H-23

Detailed Flat File Check Scenarios (continued)

Example 8: Two check payments; single remit document (03). Addenda / Document Indicator is Y in TD Record.





|TD|Y|N||1|81111|Cincinnati|USD||||||||||||||~








Example 9: Two check payments; multiple (three in total) remit documents (03). Addenda / Document Indicator is Y in TD Record. TS –Transaction Summary




|TD|Y|N||1|11555|Albany|USD||||||||||||||~





|TD|Y|N||2|11555|Albany|USD||||||||||||||~




|DR|03|03|3_11555_20130325_7845_3|2262|5|Detail Entry Field 1 = 098|Detail Entry Field 2 = 00000500|Detail Entry Field 3 = 500|~

IV. H-24

Detailed Flat File Check Scenarios (continued) Example 10: Two check payments; single scan document (07); 3 detail entry fields for 1 invoice. Addenda / Document Indicator is Y in TD Record. TS –Transaction Summary




|TD|Y|N||1|47532|Albany|USD||||||||||||||~





|TD|Y|N||2|47532|Albany|USD||||||||||||||~


|DR|01|07|3_47532_20130325_2211_2|3365|3|Invoice Number=8088|Invoice Amount=5000|Customer Number=8931|~

Example 11: Two check payments; two scan documents (07); each with information for 2 invoices with 3 detail entry fields each invoice. Addenda / Document Indicator is Y in TD Record. TS –Transaction Summary




|TD|Y|N||8|99995|Denver|USD||||||||||||||~





|TD|Y|N||11|99995|Denver|USD||||||||||||||~

DR – Detail Record |DR|01|07|0_99995_20130325_2211_2|3365|9|Invoice Number=8000|Invoice Amount=5000|Customer Number=6100|~





IV. H-25

Detailed Flat File Check Scenarios (continued) Example 12: Two check payments; multiple (three in total) scan documents (07); each with information for 1 invoice with 3 detail entry fields. Addenda / Document Indicator is Y in TD Record. TS –Transaction Summary




|TD|Y|N||1|34343|Chicago|USD||||||||||||||~





|TD|Y|N||2|34343|Chicago|USD||||||||||||||~




IV. H-26

Integrated Receivables Output Reference Information: BAI2 File Payment Type acronym definitions:

• ACH – Automated Clearing House o EDI – Electronic Data Interchange

• CHK – Check * • WIR – Wire

* Check transactions are processed through a Processing Channel.

Payment Channel acronym definitions:

• ACH – Automated Clearing House • LBA – Lockbox • FWT - Wire

Integrated Receivables BAI2 files are composed of the following record types:

File Header record 01 Group Header record 02 Account Identified records 03 Transaction Detail record 16 Continuation Detail record Important Note: New 88 Records are generated in some cases:

• Detail record (DR) – provides document and detail entry remittance or invoice information associated with a CHK payment.

• Invoice Detail record (ID) – provides translated addenda information accompanying an ACH payment. 88 *Note: Addenda Records for the following ACH Standard Entry Class Codes (SEC’s) may have invoice details translated: CTX, CCD, IAT, and PPD.

• Supplemental Addenda record (SA) – provides un-translated addenda information accompanying an ACH payment.

49 Account Trailer record

98 Group Trailer record 99 File Trailer Record

IV. H-27

Transactional Detail BAI Codes related to Integrated Receivables: 165 Preauthorized ACH Credit (Incoming ACH Payment)

301 Commercial Deposit (Lockbox CHK Payment)

195 Incoming Money Transfer (Incoming WIR Payment)

Features of the BAI2 file format: • The file format is a multi-record file type. • The file format contains 80 byte records. • All payment transactions are grouped by Receiver / Payee Deposit Account Number in record 03. • 16 (Transaction detail) records exceeding 80 bytes are followed by 88 (Continuation) records. • 88 (Continuation) records exceeding 80 bytes are followed by additional 88 (Continuation)

records. o New 88 (Continuation) records are generated in some cases.

• CHK transactions: optional Detail Record (DR) o Each unique (DR) is prefaced with a sequence number (ex. 01)

• ACH transactions with EDI human readable translation: optional Invoice Detail

(ID) o Each unique (ID) is prefaced with a sequence number (ex: 01)

• ACH transactions with and without EDI human readable translation: optional

Supplemental Addenda (SA) o Each unique (SA) record is prefaced with a sequence number (ex: 01)

• The field delimiter is the comma ( , ). A field delimiter is a character that separates two data fields within a record.

• Payment transactions are presented in the following order:

o ACH - BAI Code 165 - Preauthorized ACH Credit (ACH) o CHK - BAI Code 301 - Commercial Deposit (CHK) o WIR - BAI Code 195 - Incoming Money Transfer (WIR)

o For instance, an Integrated Receivables BAI2 file containing ACH, CHK, and WIR

payment transactions and 2 Receiver / Payee Deposit Account Numbers would display as follows:

• ALL ACH transactions first for the first account, • Then ALL CHK transactions for the first account, • Then ALL WIR transactions for the first account; • Then ALL ACH transactions for the second account, • Then ALL CHK transactions for the second account, and then • ALL WIR transactions for the second account, and so on.

• A value of comma within any field is replaced with a space ( )

Example: ABC,Inc displays as ABC Inc

• The usage notation on the file record specifications indicates whether the field may be provided

for each payment type. Data is only included for a field if provided by the originating processing system. The usage notation can be found in the details of each field.

IV. H-28

• When a value is not present in the middle of records 01, 02, 03, 49, 98 and 99 a comma field delimiter displays. Example: The comma after the 3rd position delimits the 3rd, the next comma delimits the "empty" 4th position: 03,00000000113000069002,USD,,+000000065000,16,Z/

• The end-of-marker character is a slash ( / ) marks the end of records 01, 02, 03, 49, 98 and 99.

Example: The 9th position (2) is the last value of the record. 01,041001039,041001039,120915,0730,01,80,01,2/

• The end-of-marker character is preceded by a single comma delimiter in the event no values are

present at the end of records 01, 02, 03, 49, 98 and 99. Example: Ex: 02,041001039,041001039,1,120914,2259,USD,/

• In general, an end-of-marker character is not used in record type 88. A comma delimiter is displayed at the end of record type 88 only in the event no value is present in the last field.

• Account Numbers fields are between 12 - 15 characters and zero padded totaling 20 digits.

Example: 00000000113000069002

• Amount fields are 12 or 15 characters and zero padded. Examples: 000000065000 (12 characters in record 16) 000000020000000 (15 characters in trailer records 49, 98, and 99)

• Amount fields that are signed upfront with a + sign are either 12 or 15 characters NOT including

the + sign up front. Example: If the amount field is 12 digits long, the total character length is 13 including the + sign. +000005000000

• Amount fields without a dollar value display as follows:

Examples: +000000000000 (12 digits + sign = 13) +000000000000000 (15 digits + sign = 16) 000000000000 (12 digits no + sign) 000000000000000 (15 digits no + sign)

• More than one invoice may accompany ACH payments with EDI (human readable) translation.

o Each invoice results in a unique record 88. o The second field position in the unique 88 record sequences each unique invoice

beginning with 01.

Example of 3 invoices accompanying a payment: 88,ID,01,130104,8937465924,Monthly Invoice Payment,Cleveland,Ohio,40000,0,40000,1301

88,ID,02,130104,6697465924,Monthly Invoice Payment,Cleveland,Ohio,20000,0,20000,1301 88,ID,03,130104,9821465924,Monthly Invoice Payment,Cleveland,Ohio,15000,0,20000,1301

IV. H-29

• More than one ACH Addenda record may accompany an ACH payment transaction. Addenda records are associated with the ACH payment type only (BAI Code 165 - Preauthorized ACH Credit).

o Addenda information displays only in the event Addenda record(s) accompany the ACH payment. Note: National Automated Clearing House (NACHA) rules define the number of optional or mandatory Addenda records may accompany ACH payments based on Standard Entry Class Code (SEC).

o Each Addenda record results in a unique record 16 or record 88. o The second field position in the 16 or 88 record identifies and sequences each unique

ACH Addenda record beginning with 01.

Example of 3 ACH Addenda records accompanying an ACH payment: 88,SA,01,This is representative of the values that could be entered in 1 of X FREE FOR

88,M Addenda fields depending on SEC……… 88,SA,02,This is representative of the values that could be entered in 2 of X FREE FOR 88,M Addenda fields depending on SEC……… 88,SA,03,This is representative of the values that could be entered in 3 of X FREE FOR 88,M Addenda fields depending on SEC………

• Extended Remittance Information (ERI) is associated with the WIR payment type only. o A single field of up to 9,000 characters generates only in the event optional, extended

remittance information accompanies the WIR payment.

*Note: The ER Record type and this field / column are reserved for future Extended Remittance Information (ERI) use*

• Empty or Null Files

A Null file generates when there are no transactions to report. Null files are composed of the following record types:

o File Header record (01) containing the KeyBank Routing Number, KeyBank Routing Number, File Creation Date, File Creation Time, File Identification Number, Physical Record Length, Block Size and Version Number.

o File Trailer record (99) containing the File Control Total, Number of Groups, and Number of Records.

Example of a Null file: 01,041001039,041001039,120915,0730,01,80,01,2/ 99,000000000000000,0,2/

IV. H-30

BAI2 Record and Field Positions

ACH Receivables without EDI Human Readable Translation 01,KeyBank Routing Number,KeyBank Routing Number,File Creation Date,File Creation Time,File Identification Number,Physical Record Length,Block Size,Version Number/ 02,KeyBank Routing Number,KeyBank Routing Number,Group Status,As of Date,As of Time,Payment Currency Code,As of Date Modifier/ 03,Receiver / Payee Deposit Account Number,Payment Currency Code,Type Code = Total Credits,Payment Amount Sum,Item Count,Funds Type Code/ 16 or 88,BAI Code,Payment Amount,Funds Type Code,Bank Reference Number,Customer Reference Number,Effective Date,Payment Type,Transaction Type,Payment Channel,Transaction Type,Receiver / Payee Name,Receiver / Payee Routing Number,Originator / Payer Name,Originator / Payer Financial Institution Number,Originator / Payer Number,Originator / Payer Company ID,ACH Addenda Indicator,ACH SEC Code,Addenda Record Count,ACH Payment Description,Descriptive Date,Company Discretionary Data,Company Discretionary Data (additional),Payment Addenda / Human Readable Remittance Indicator 88,Supplemental Addenda Record Type,Supplemental Addenda Record Sequence Number,Addenda Record(s) (Raw, untranslated) 49,Account Control Total,Number of Records/ 98,Group Control Total,Number of Accounts,Number of Records/ 99,File Control Total,Number of Groups,Number of Records/

ACH Receivables with EDI Human Readable Translation

01,KeyBank Routing Number,KeyBank Routing Number,File Creation Date,File Creation Time,File Identification Number,Physical Record Length,Block Size,Version Number/

02,KeyBank Routing Number,KeyBank Routing Number,Group Status,As of Date,As of Time,Payment Currency Code,As of Date Modifier/

03,Receiver / Payee Deposit Account Number,Payment Currency Code,Type Code = Total Credits,Payment Amount,Item Count,Funds Type Code/

16 or 88,BAI Code,Payment Amount,Funds Type Code,Bank Reference Number,Customer Reference Number,Effective Date,Payment Type,Transaction Type,Payment Channel,Transaction Type,Receiver / Payee Name,Receiver / Payee Routing Number,Originator / Payer Name,Originator / Payer Financial Institution Number,Originator / Payer Number,Originator / Payer Company ID,ACH Addenda Indicator,ACH SEC Code,Addenda Record Count,ACH Payment Description,Descriptive Date,Company Discretionary Data,Company Discretionary Data (additional),Payment Addenda / Human Readable Remittance Indicator 88,Invoice Detail Record Type,Invoice Sequence Number,Invoice Date,Invoice Number,Invoice Net Amount,Discount Amount,Invoice Gross Amount,PO Number,Adjustment Amount,Adjustment Reason Code 88,Supplemental Addenda Record Type,Supplemental Addenda Record Sequence Number,Addenda Record(s) (Raw, untranslated) 49,Account Control Total,Number of Records/

98,Group Control Total,Number of Accounts,Number of Records/

99,File Control Total,Number of Groups,Number of Records/

IV. H-31

Check Receivables




16 or 88,BAI Code,Payment Amount,Funds Type Code,Bank Reference Number,Customer Reference Number,Effective Date,Payment Type,Transaction Type,Payment Channel,Transaction Type,Receiver / Payee Name,Receiver / Payee Routing Number,Originator / Payer Financial Institution Number,Originator / Payer Bank Account Number,Originator / Payer Bank Check Number,Lockbox Document Indicator,Item Sequence Number,Lockbox Number,Lockbox Site

88,Detail Record Type,Detail Record Sequence Number,Document Type Indicator,Payment Transaction Trace / System Reference Number,Detail Record Identifier,Item Sequence Number,Detail Entry Field 1 of x

49,Account Control Total,Number of Records/



Wire Receivables




16 or 88,BAI Code,Payment Amount,Funds Type Code,Bank Reference Number,Customer Reference Number,Effective Date,Payment Type,Transaction Type,Payment Channel,Transaction Type,Receiver / Payee Name,Receiver / Payee Routing Number,Originator / Payer Financial Institution Number,Originator / Payer Bank Account Number,Originator / Payer Bank Check Number,Lockbox Document Indicator,Item Sequence Number,Lockbox Number,Lockbox Site

88,Detail Record Type,Detail Record Sequence Number,Document Type Indicator,Payment Transaction Trace / System Reference Number,Detail Record Identifier,Item Sequence Number,Detail Entry Field 1 of x

49,Account Control Total,Number of Records/



IV. H-32

BAI2 File Specifications--ACH Receivables without EDI Human Readable Translation

BAI2Record Type BAI Code 165

(ACH) Order

Usage Mandatory (M)Optional (O) Not Used (NU)

Field Name Field Definition Default Value

01 - File Header 1 M 01 01 - File Header 2 M KeyBank Routing Number 041001039

01 - File Header 3 M KeyBank Routing Number 041001039

01 - File Header 4 M File Creation Date

01 - File Header 5 M File Creation Time

01 - File Header 6 M File Identification Number 01

01 - File Header 7 M Physical Record Length 80

01 - File Header 8 M Block Size 01

01 - File Header 9 M Version Number 2

02 - Group Header 1 02

02 - Group Header 2 M KeyBank Routing Number This is the KeyBank Lead Routing Number. The Routing Number for your company's KeyBank account number is in the 16 - Transaction Detail / 88 - Continuation record, position 13.

041001039

02 - Group Header 3 M KeyBank Routing Number This is the KeyBank Lead Routing Number. The Routing Number for your company's KeyBank account number is in the 16 - Transaction Detail / 88 - Continuation record, position 13.

041001039

02 - Group Header 4 M Group Status 1

02 - Group Header 5 M As of Date

02 - Group Header 6 M As of Time

IV. H-33


(ACH) Order



02 - Group Header 7 M Payment Currency Code

USD

02 - Group Header 8 M As of Date Modifier Null (empty)

03 - Account Identifier 1 03

03 - Account Identifier 2 M Receiver / Payee Deposit Account Number


03 - Account Identifier 3 M Payment Currency Code Payment Currency funds are posted in at KeyBank. USD

03 - Account Identifier 4 M Type Code = Total Credits 100

03 - Account Identifier 5 M Payment Amount Sum The sum of payment transaction amounts for the Receiver / Payee Deposit Account Number.

03 - Account Identifier 6 M Item Count

03 - Account Identifier 7 M Funds Type Code Z

16 - Transaction Detail / 88 - Continuation

1 16


2 M BAI Code 165 - Preauthorized ACH Credit (ACH) 301 - Commercial Deposit (CHK) 195 - Incoming Money Transfer (WIR)

165 (ACH) 301 (CHK) 195 (WIR)


3 M Payment Amount Amount of the payment transaction.


4 M Funds Type Code Z


5 M Bank Reference Number Integrated Receivables System Reference Number.


6 O Customer Reference Number Lockbox Number, if applicable.

IV. H-34


(ACH) Order



16 - Transaction Detail /88 - Continuation

7 M Effective Date Effective date of the payment.


8 M Payment Type Indicates the payment type. Payment type list: ACH = Automated Clearing House CHK = Check WIR = Wire


9 M Transaction Type Indicates whether the payment is a credit or debit. Code list: C = Credit

C


10 M Payment Channel Indicates the payment channel. Payment channel list: ACH = Automated Clearing House LBA = Lockbox FWT = Wire


11 M Payment Transaction Trace / System Reference Number



12 M Receiver / Payee Name For ACH and WIR, this is your company name as entered by your customer for the payment. For CHK payments processed through Lockbox, this is the Lockbox Name.


13 M Receiver / Payee Routing Number



14 M Originator / Payer Name Originator's Name, as entered by your customer for the payment.

IV. H-35


(ACH) Order




15 M Originator / Payer Financial Institution Number



16 O Originator / Payer Number Originator's Number, as entered by your customer for the payment.


17 M Originator / Payer Company ID Originator's company ID assigned by the the ODFI.


18 M ACH Addenda Indicator Indicates the presence of ACH Addenda Information. ACH Addenda Indicator list: Y = indicates Addenda Information accompanies the Payment sent by your customer. N = indicates Addenda Information does not accompany the Payment sent by your customer.

Y or N

16 - Transaction Detail /88 - Continuation

19 M ACH SEC Code Standard Entry Class Code entered by your customer. Standard Entry Class Code (SEC) List:CCD = Cash Concentration or DisbursementCTX = Corporate Trade ExchangeCIE = Customer Initiated EntryIAT = International ACH TransactionPPD = Prearranged Payment and DepositPOS = Point of SaleOthers = See NACHA Rules

IV. H-36


(ACH) Order




20 M Addenda Record Count Indicates the number of ACH Addenda Records that accompanied the ACH payment.


21 M ACH Payment Description Payment Description, if any, entered by your customer. If the payment is reversed by the Originator / ODFI, REVERSAL will appear.


22 O Descriptive Date Descriptive date, if any, entered by your customer. Not used for settlement / posting.


23 O Company Discretionary Data Discretionary Data, if any, entered by your customer.


24 O Company Discretionary Data (additional)



25 M Payment Addenda / Human Readable Remittance Indicator

Indicates Addenda information was entered by your customer and translated into human readable form by KeyBank's EDI system. Payment Addenda / Human Readable Remittance Indicator list: Y = indicates the Addenda Information accompanying your payment is translated by EDI system N = indicates the Addenda Information accompanying your payment (if any) is not translated by EDI system

Y or N

88 - Continuation - NEW Continuation Record produced

1 88

2 O Supplemental Addenda Record Type

SA 88 - Continuation

IV. H-37


(ACH) Order



88 - Continuation 3 O Supplemental Addenda Record Sequence Number There may be 1 or many Sequence Number fields. This is driven by the Standard Entry Class Code (SEC) and NACHA Rules. See Field Description for details.


88 - Continuation 4 O Addenda Record(s) (Raw, untranslated) There may be 1 or more Addenda Records. This is driven by the Standard Entry Class Code (SEC) and NACHA Rules.

Free-form ACH addenda record provided with the payment transaction, if any. Note: Addenda records may be a maximum length of 94 characters, meaning additional 88 Continuation Records may generate in the event the maximum 80 record length is exceeded.

49 - Account Trailer 1 49

49 - Account Trailer 2 M Account Control Total ############### (15 digits - numeric)

49 - Account Trailer 3 M Number of Records

98 - Group Trailer 1 98

IV. H-38


(ACH) Order



98 - Group Trailer 2 M Group Control Total ############### (15 digits - numeric)

98 - Group Trailer 3 M Number of Accounts

98 - Group Trailer 4 M Number of Records

99 - File Trailer 1 99

99 - File Trailer 2 M File Control Total ############### (15 digits - numeric)

99 - File Trailer 3 M Number of Groups

99 - File Trailer 4 M Number of Records

IV. H-39

BAI2 File Specifications--ACH Receivables with EDI Human Readable Translation


(ACH) Order



01 - File Header 1 M 01









02 - Group Header 1 M 02

02 - Group Header 2 M KeyBank Routing Number This is the KeyBank Lead Routing Number. The Routing Number for your company's KeyBank account number is in the 16 - Transaction Detail / 88 - Continuation record, 13th position.

041001039


041001039




IV. H-40


(ACH) Order




USD


03 - Account Identifier 1 M 03









1 M 16



165 (ACH) 301 (CHK) 195 (WIR)









IV. H-41


(ACH) Order









C












14 M Originator / Payer Name Originator's Name, as entered by your customer for the payment.

IV. H-42


(ACH) Order




15 M Originator / Payer Financial Institution Number





17 M Originator / Payer Company ID

Originator's company ID assigned by the the ODFI.

18 M ACH Addenda Indicator Indicates the presence of ACH Addenda Information. ACH Addenda Indicator list: Y = indicates Addenda Information accompanies the Payment sent by your customer. N = indicates Addenda Information does not accompany the Payment sent by your customer.

Y or N 16 - Transaction Detail / 88 - Continuation

19 M ACH SEC Code Standard Entry Class Code entered by your customer. Standard Entry Class Code (SEC) List: CCD = Cash Concentration or Disbursement CTX = Corporate Trade Exchange CIE = Customer Initiated Entry IAT = International ACH Transaction PPD = Prearranged Payment and Deposit POS = Point of Sale Others = See NACHA Rules


IV. H-43


(ACH) Order



20 M Addenda Record Count Indicates the number of ACH Addenda Records that accompanied the ACH payment.


21 M ACH Payment Description Payment Description, if any, entered by your customer. If the payment is reversed by Originator / ODFI, REVERSAL will appear.



22 O Descriptive Date Descriptive date, if any, entered by your customer. Not used for settlement / posting.

23 O Company Discretionary Data Discretionary Data, if any, entered by your customer. 16 - Transaction Detail / 88 - Continuation

24 O Company Discretionary Data (additional)



25 M Payment Addenda / Human Readable Remittance Indicator

Indicates Addenda information was entered by your customer and translated into human readable form by KeyBank's EDI system. Payment Addenda / Human Readable Remittance Indicator list: Y = indicates the Addenda Information accompanying your payment is translated by EDI system N = indicates the Addenda Information accompanying your payment (if any) is not translated by EDI system

Y or N 16 - Transaction Detail / 88 - Continuation


1 M 88

2 O Invoice Detail Record Type ID 88 - Continuation

3 O Invoice Sequence Number Each unique invoice that accompanied your payment will be prefaced with an invoice sequence number starting with 01.

88 - Continuation

IV. H-44


(ACH) Order



4 O Invoice Date Date Present on Invoice document as entered by your customer.

88 - Continuation

5 O Invoice Number Invoice Number present on Invoice document. 88 - Continuation

6 O Invoice Net Amount Applied amount from payment received. 88 - Continuation

7 O Discount Amount The amount of discount taken, if any. 88 - Continuation

8 O Invoice Gross Amount Gross invoice (dollar) amount (includes charges, less allowances) before terms discount, if any discount is applicable.

88 - Continuation

9 O PO Number Purchase Order Number. 88 - Continuation

10 O Adjustment Amount The amount of the adjustment taken. 88 - Continuation

11 O Adjustment Reason Code Code indicating the reason for claiming the adjustment. 88 - Continuation


1 M 88

2 O Supplemental Addenda Record Type

SA 88 - Continuation

IV. H-45


(ACH) Order



3 ACH - O CHK - NU WIR - NU

Supplemental Addenda Record Sequence Number There may be 1 or many Sequence Number fields. This is driven by the Standard Entry Class Code (SEC) and NACHA Rules. See Field Description for details.


88 - Continuation

4 ACH - O CHK - NU WIR - NU

Addenda Record(s) (Raw, untranslated) There may be 1 or more Addenda Records. This is driven by the Standard Entry Class Code (SEC) and NACHA Rules.

Free-form ACH addenda record provided with the payment transaction, if any. Note: Addenda records may be a maximum length of 94 characters, meaning additional 88 Continuation Records may generate in the event the maximum 80 record length is exceeded.

88 - Continuation






IV. H-46


(ACH) Order









BAI2 File Specifications—Check Receivables BAI2Record Type BAI

Code 301

(CHK) Order

Usage Mandatory (M) Optional (O) Not Used (NU)







IV. H-47


(CHK) Order









041001039


041001039





USD






IV. H-48


(CHK) Order








1 16



165 (ACH) 301 (CHK) 195 (WIR)















C

IV. H-49


(CHK) Order














14 O Originator / Payer Financial Institution Number



15 O Originator / Payer Bank Account Number

Remitter's Account Number (from their financial institution), if captured, from the MICR line of the check document.


16 O Originator / Payer Check Number

Remitter's Check Number (from their financial institution), if captured, from the MICR line of the check document.

IV. H-50


(CHK) Order




17 M Lockbox Remit Document or Scan Document with Detail Entry Indicator

Remit Document or Scan Document Indicator list: Y = indicates Remit Document or Scan Document with detail entry accompanies the check payment sent by your customer. N = indicates Remit Document or Scan Document without detail entry does not accompany the check Payment sent by your customer.

Y or N


18 M Item Sequence Number Unique item sequence number.


19 M Lockbox Number Lockbox Number.


20 M Lockbox Site Location Site Name.


1 O Detail Record Type Indicates the presence of Detail information. DR

2 O Detail Record Sequence Number

Each unique detail record will be will be prefaced with an sequence number starting with 01.

88 - Continuation

3 O Document Type Indicator Signifies the document type. Document Type List: 03 = Remit Doc (coupon document) 07 = Scanned Doc (non-coupon scanned document. Examples: Invoice, envelope, etc.) 04 = Check Doc (physical check document)

88 - Continuation

IV. H-51


(CHK) Order



4 O Payment Transaction Trace / System Reference Number

Unique transaction trace or reference number used to tie together a single transaction. Used for research purposes. 5 fields separated by underscore list: Lockbox Site Code Lockbox Number Bank Day System Batch Number Transaction Number

5 fields separated by _ 88 - Continuation

5 O Detail Record Identifier Unique identifier for each detail record in Integrated Receivables system. Used for research purposes.


88 - Continuation

6 O Batch Item Sequence Number

Identifier that may be used to identify where the item is within the batch. Also used for research purposes.


88 - Continuation

7 O Detail Entry Field 1 of x Detail Entry Fields captured based on your Lockbox processing instructions (aka: Requirements). Information displays as Field Name=Field Value

Invoice Number=123 88 - Continuation







IV. H-52


(CHK) Order








BAI2 File Specifications—Wire Receivables BAI2Record Type BAI

Code 195

(WIR) Order









IV. H-53


(WIR) Order








041001039


041001039





USD







IV. H-54


(WIR) Order







1 16



165 (ACH) 301 (CHK) 195 (WIR)















C



IV. H-55


(WIR) Order












14 O Originator / Payer Name Originator's Name, as entered by your customer for the payment.


15 O Originator / Payer Financial Institution Number





17 M Fed or Swift Reference Number

Fed or Swift Reference Number.


18 M Source Code Identifies the source of the wire. Source List: FED = Federal Reserve SWF = Swift

IV. H-56


(WIR) Order




19 O Payment Exchange Rate Payment Exchange Rate applied to the payment, if any.


20 O Originator to Beneficiary / Receiver Information - Field 1












24 O Reference to Beneficiary / Receiver Information

Free-form field used by your customer to supply Reference to/for Beneficiary (RTB or RFB) information, if any.

25 O *ERI - Extended Remittance Information

Free-form field used by your customer to supply Extended Remittance information (ERI), if any.

*This field / column is reserved for future

Extended Remittance Information (ERI) use.






IV. H-57


(WIR) Order










Sample File Text Key

• Red text signifies ACH Transactions • Green text signifies CHK transactions • Blue text signifies WIR transactions • Bold blue text signifies 1) Addenda / Lockbox Remit or Scan Document Indicator, 2) Payment Addenda / Human Readable Remittance Indicator, 3)

Scan Document Indicator • Bold pink text signifies the Document Type Indicator • Bold purple text signifies the Payment Transaction Trace / System Reference Number. • Bold black text, 2 character Record Type code (ex: |FH|) • Bold black text, 3 character Payment Type code (ex: ACH) • Bold black text, 20 digit numeric string signifies the Receiver / Payee Deposit Account Number

IV. H-58

Sample BAI2 File with no EDI

01,041001039,041001039,130325,2259,01,80,01,2/ File Header 01 02,041001039,041001039,1,130325,2259,USD,/ Group Header 02 03,00000000359681000808,USD,100,+000000600000,16,Z/ Account Identifier 03

ACH - Transaction Detail 16 BAI Code - 165 16,165,000000100000,Z,000002606085,,130325,ACH,C,ACH,12305008478425,TIMOTHY DANS

88,SONS,041001039,EIGHT EIGHTS,900987658,47777634,9900987652,Y,POS,1,42098767,13 88,0206,01,BANKCHK 800-800-8000,N 88,SA,01,702 9749876565656206 SHELL ATLANTA 88, OH091009878787411

Continuation Record 88

16,301,000000200000,Z,000001000021,123456,130325,CHK,C,LBA,1_123456_20130325_472827_11,Company Lockbox Name, 88,041001039,111112233,2001,Y,1,123456,Cleveland 88,DR,01,07,1_123456_20130325_472827_11,2222,2,Invoice Number=0988,Invoice Amount=5000,Customer Number=9090 88,DR,02,07,1_123456_20130325_472827_11,2225,2,Invoice Number=0987,Invoice Amount=5000,Customer Number=9090 88,DR,03,07,1_123456_20130325_472827_11,2226,2,Invoice Number=0986,Invoice Amount=5000,Customer Number=9090 88,DR,04,07,1_123456_20130325_472827_11,2235,2,Invoice Number=0985,Invoice Amount=5000,Customer Number=9090

Check - Transaction Detail 16 BAI Code - 301

Single scan document (07) Detail entry fields for 4 invoices

Lockbox Document Indicator is Y in 88 Record.

16,195,000000300000,Z,000002605854,,130325,WIR,C,FWT,2013030800003067,HOSTELL HI 88,LLS CORPORATION,041001039,HOLDOVER KEY-DIRECT,041002957,0000000008888,039876K 88,74ABC00009998876513FT01,FED,000000.00000000000,Originator to Beneficiary_1,,,

Wire - Transaction Detail 16 BAI Code - 195

88,Reference to Beneficiary, 49,+000000001200000,16/ Account Trailer 49 03,00000000359681002358,USD,100,+0000001400000,14,Z/ Account Identifier 03

16,165,000000200000,Z,000002606081,,130325,ACH,C,ACH,12305008478382,HANDCRAFT 35 ACH - Transaction Detail 16 BAI Code - 165

88,8,041001039,BUSINESS INSURAN,900987654,289878,3090909096,N,PPD,0,HealthFUND,0 88,6 Feb,,AB CO,N

Continuation Records 88

16,301,000000300000,Z,000001000022,77777,130325,CHK,C,LBA,0_77777_20130325_111_1,Company Lockbox Name, 88,307070267,053000196,111112244,3001,Y,1,77777,Denver 88,DR,01,03,0_77777_20130325_111_1,2222,2,Payor Name=Sample Payer,Amount Due=110000,Gross Amount=110000


Two remit documents (03) 3 detail entry fields. Lockbox

Document Indicator is Y in 88 Record. 88,DR,02,03,0_77777_20130325_111_1,2240,3,Payor Name=Sample Payer,Amount Due=10000,Gross Amount=10000

16,301,000000400000,Z,000001000023,121212,130325,CHK,C,LBA,2_121212_20130325_877_6,Company Lockbox Name, 88,041001039,124301025,111112255,4001,Y,1,121212,Cincinnati 88,DR,01,04,2_121212_20130325_877_6,5444,1,Payor Name=Sample Payer,Invoice City=Cleveland,Invoice State = OH


3 detail entry fields from check. 16,195,000000500000,Z,000002606072,,130325,WIR,C,FWT,2013031100000028,NORTHER CO 88,MPANY LTD,041001039,HOLDOVER KEY-DIRECT,0000001234567/,,0311KEYBUS30AXXX32141 88,88751,SWF,000000.00000000000,Originator to Beneficiary_1,Originator to Benefi 88,ciary_1,Originator to Beneficiary_2,Originator to Beneficiary_3,,Reference to 88, Beneficiary

Wire - Transaction Detail 16 BAI Code - 195

49,+000000002800000,15/ Account Trailer 49 98,+000000004000000,2,33/ Group Trailer 98 99,+000000004000000,1,35/ File Trailer 99

IV. H-59

Sample BAI2 File with EDI 01,041001039,041001039,130326,2259,01,80,01,2/ File Header 01 02,041001039,041001039,1,130326,2259,USD,/ Group Header 02 03,00000000359681000808,USD,100,+000002500000,2,Z/ Account Identifier 03

ACH - Transaction Detail 16 16,165,000002500000,Z,0000909090118,,130325,ACH,C,ACH,12305008612371,COMPANY INC, BAI Code - 165 88,041001039,AB NETCORPS INC,900102008,591234567802ABC,A562615517,Y,IAT,7,DIRECT 88, DEP,USDUSD,0,FF3 US,Y 88,ID,01,,,000000000000,000000000000,000000000000,,000000000000, 88,SA,01,123ABC000000000000123490 COMPANY INC 88, 5196272 88,SA,02,711AB NETCORPS INC 1234 CONNECTION DRIVE 88, 5196272 88,SA,03,712ROCKWALL*TX\ US*12345\

88, 5196272 88,SA,04,713BANK OF AMERICA 03111234567 1234 37 88, GB 5196272 88,SA,05,714KEYBANK NATIONAL ASSOCIATION 00987654329 88, US 5196272


49,+0000000005000000,16/ Account Trailer 49 03,00000000359681002358,USD,100,+000002000000,2,Z/ Account Identifier 03

16,165,000002000000,Z,000087878719,,130325,ACH,C,ACH,12305008612385,BUSINESS LLC ACH - Transaction Detail 16

BAI Code - 165 88,,041001039,CORPORATION AB,903456788,,0089999990,Y,IAT,8,PAYMENT,USDUSD,0,FF 88,3 US,Y 88,ID,01,,,000000000000,000000000000,000000000000,,000000000000, 88,SA,01,710DEP000000000000337616 BUSINESS LLC 88, 2817905 88,SA,02,711CORPORATION AB INC 111 DUE ST ROTHERMAN 88, 2817905 88,SA,03,712SAINT-AUGUSTIN-FL-MUNSUN*\ DA*RES AB\ 88, 2817905 88,SA,04,713CENTRAL COLLECTION COMPANY 54321QCAMM 88, CA 2817905 88,SA,05,714KEYBANK NATIONAL ASSOCIATION 01087654567 88, US 2817905 88,SA,06,715 P.O. BOX 12345 88, 2817905 88,SA,07,716CLEVELAND OH*\ US*44190\ 88, 2817905 88,SA,08,123CORPORATION AB INC13431 88, 00012817905


49,+000000004000000,22/ Account Trailer 49 98,+000000009000000,2,40/ Group Trailer 98 99,+000000009000000,1,42/ File Trailer 99

IV. H-60

Sample Null BAI2 File

The following is a sample NULL extract file.

01,041001039,041001039,120915,0730,01,80,01,2/ 99,000000000000000,0,2/

01 record and associated columns

Record Code

Routing Number

Routing Number

File Creation Date

File Creation Time

File ID Number

Physical Record Length

Version Number Block Size

99 record and associated columns

Record Code

File Control Total

Number of Groups

Number of Records

Detailed BAI2 File Check Scenarios Example 1: Example 1 - Single check payment; no remit (03) or scan (07) documents; no detail entry fields. DR Record does not display. Addenda / Document Indicator is N in TD Record. TS - Transaction Summary




|TD|N|N||1|11111|Cleveland|USD||||||||||||||~

IV. H-61

Example 2: Single check payment; single scan document (07); detail entry fields for 4 invoices. Addenda / Document Indicator is Y in TD Record.

TS - Transaction Summary




|TD|Y|N||1|123456|Cleveland|USD||||||||||||||~

DR - Detail Record |DR| 01| 07|1_123456_20130325_472827_11|2222|2|Invoice Number=0988|Invoice Amount=5000|Customer Number=9090|~



DR - Detail Record

|DR| 04| 07|1_123456_20130325_472827_11|2235|2|Invoice Number=0985|Invoice Amount=5000|Customer Number=9090|~

Example 3: Single check payment; two remit documents (03); 3 detail entry fields. Addenda / Document Indicator is Y in TD Record. TS - Transaction Summary




|TD|Y|N||1|77777|Denver|USD||||||||||||||~

DR - Detail Record |DR|01|03|0_77777_20130325_111_1|2222|2|Payor Name=Sample Payer|Amount Due=110000|Gross Amount=110000|~

DR - Detail Record

|DR|02|03|0_77777_20130325_111_1|2240|3|Payor Name=Sample Payer|Amount Due=10000|Gross Amount=10000|~

IV. H-62

Example 4: Single check payment; 3 detail entry fields from check. Addenda / Document Indicator is N in TD Record.



PD - Payer Detail |PD||||124301025|111112255|4001|~ TD - Transaction Detail


DR - Detail Record |DR|01|04|2_121212_20130325_877_6|5444|1|Payor Name=Sample Payer|Invoice City=Cleveland|Invoice State=OH|~

Example 5: Single check payment; 3 detail entry fields for check; single remit document (03). Addenda / Document Indicator is Y in TD Record.





|TD|Y|N||1|16541|Tacoma|USD||||||||||||||~

DR - Detail Record |DR|01|03|4_16541_20130325_1_321|1124|2|Detail Entry Field 1=098|Detail Entry Field 2=00000500|Detail Entry Field 3=500|~

DR - Detail Record

|DR|02|04|4_16541_20130325_1_321|1111|1|Detail Entry Field 1=098|Detail Entry Field 2=00000500|Detail Entry Field3= 500|~

IV. H-63

Example 6: Single check payment; with information for 5 invoices with 3 details entry fields. Addenda / Document Indicator is N in TD Record.










DR - Detail Record


Example 7: Single check payment; with 3 check data entries; one scan document (07) with information for 3 invoices; with 3 data entry fields for each invoice. One scan document (07) with 3 details entry fields for single invoice. Addenda / Document Indicator is Y in TD Record. TS - Transaction Summary




|TD|Y|N||18|987987|Tacoma|USD||||||||||||||~





DR - Detail Record


IV. H-64

Example 8: Two check payments; single remit document (03). Addenda / Document Indicator is Y in TD Record. TS - Transaction Summary










DR - Detail Record


Example 9: Two check payments; multiple (three in total) remit documents (03). Addenda / Document Indicator is Y in TD Record.





|TD|Y|N||1|11555|Albany|USD||||||||||||||~





|TD|Y|N||2|11555|Albany|USD||||||||||||||~



DR - Detail Record


IV. H-65

Example 10: Two check payments; single scan document (07); 3 detail entry fields for 1 invoice. Addenda / Document Indicator is Y in TD Record. TS - Transaction Summary


PD - Payer Detail

|PD||||021000018|3124546464646|9001|~


|TD|Y|N||1|47532|Albany|USD||||||||||||||~





|TD|Y|N||2|47532|Albany|USD||||||||||||||~

DR - Detail Record

|DR|01|07|3_47532_20130325_2211_2|3365|3|Invoice Number=8088|Invoice Amount=5000|Customer Number=8931|~

Example 11: Two check payments; two scan documents (07); each with information for 2 invoices with 3 detail entry fields each invoice. Addenda / Document Indicator is Y in TD Record. TS - Transaction Summary




|TD|Y|N||8|99995|Denver|USD||||||||||||||~





|TD|Y|N||11|99995|Denver|USD||||||||||||||~

DR - Detail Record |DR|01|07|0_99995_20130325_2211_2|3365|9|Invoice Number=8000|Invoice Amount=5000|Customer Number=6100|~



DR - Detail Record


IV. H-66

Example 12: Two check payments; multiple (three in total) scan documents (07); each with information for 1 invoice with 3 detail entry fields. Addenda / Document Indicator is Y in TD Record. TS - Transaction Summary




|TD|Y|N||1|34343|Chicago|USD||||||||||||||~





|TD|Y|N||2|34343|Chicago|USD||||||||||||||~




IV. H-67

A. Contact List

V. Appendix

Transmission Directory

All pre-production questions and assistance

Fulfillment Support Transmission Specialist Group (FSTS) 1-800-539-9630

General transmission questions and assistance

Commercial and Business Banking Center Internet Group 1-800-539-9039 And

All application issues for KTT transmissions, including incorrect file, wrong file format, etc. All application issues for SFT transmissions, including incorrect file, wrong file format, etc.

Corporate Client Services 1-800-821-2829

All communication issues, including questions regarding sending and/or retrieving files

Transmission Hotline 1-800-457-8257

V. A-1

Documents

Transmission Toolki · Transmission Hotline at 1-800-539-6434. All Application Issues (incorrect All Application Issues (incorrect file, wrong format, etc.) should be directed to