BALANCE

AND
Revised Feb 2008
SAMPLEBAIENHANCEDMAPFILELAYOUT

TRANSACTION

REPORTING

OVERVIEW
This map contains Zero Balance entries in the Continuation 88 Records of the 03 Record Type. Clients using this map will see their backdated entries in the file with the applicable value date.
Below are some BAI Cash management Balance Reporting Specifications. They define a format for data within files and records. The specifications DO NOT replace, define, restrict, supersede, or alter data
communication protocols used by senders and receivers of these files. The records in a balance reporting transmission are ordered as follows:
1
02
03
88
16
88
49
98
99

File Header:

The file header marks the beginning of a file. It identifies the send and receiver of the transmission, and it describes the
structure of the file.
Group Header
The group header identifies a group of accounts that are from the same originator and included the same as-of-date
and as-of-time.
Account Identifier:
This record identifies the account number and reports activity summary and account status information. Summary
information may be accompanied by an item count and funds availability distribution.
Continuation of 03 record:
A continuation record. It is used when data exceed maximum physical record length, or whenever it is desirable to
continue data into an additional record. It may follow any record type, including another continuation (88) record.
Transaction Detail:
This record is used for transmission of detail transactions information. Transaction detail may include two reference
numbers and a free-form alphanumeric text.
Continuation of 16 record:
Continuation of record 16
Account Trailer:
The account trailer record provides account control totals.
Group Trailer:
This record provided group control totals.
File Trailer:
This record provided file control totals.

A file may contain several groups. Each group begins with a 02 Group Header record and ends with a 98 Group Trailer record. This procedure allows a file to contain information from multiple originators. Some fields
within a record are optional. If an optional field is defaulted or left unspecified, this must be indicated by adjacent delimiters (,,) or (,/). Optional fields at the end of a record cannot be left off but must be indicated by
adjacent delimiters.
The Royal Bank uses the following specifications.

All records have a physical record length of 80 bytes.

Fields are delimited by a comma (,)

The end of a record that does not include text is indicated by the delimiter slash (/).

If a field is signed, the sign always precedes the value.

Numeric fields are right justified with leading zeros and alphanumeric fields are left justified with trailing blanks.
Note: these specifications are within the BAI guidelines.

Feb26,2008FileLayout

Record type 01: File Header

The file header marks the beginning of a file. It identifies the sender and receiver of the transmission and it describes the structure of the file.
Field Name

Field Description

Position

Length Type

Sample

Record code

01

01-02

Numeric

01

Delimiter

03-03

Alphanumeric

Sender Identification

Originator/Transmitter of file (Sender Bank & Transit)

04-12

Alphanumeric

000300032

Delimiter

13-13

Alphanumeric

Receiver Identification

Identifies receiver of file. (RBC uses SRF #)

14-22

Alphanumeric

123456789

Delimiter

23-23

Alphanumeric

File Creation Date

Date sender created file; YYMMDD format

24-29

Numeric

020125

Delimiter

30-30

Alphanumeric

File Creation Time

Time of day sender created file; (Military format 2400)

31-34

Numeric

0600

10

Delimiter

35-35

Alphanumeric

11

File Identification Number

Sender determined identification number. The number must be

new for each file with the same file creation date. RBC hard
codes 1.

36-36

Numeric

12

Delimiter

37-37

Alphanumeric

13

Physical Record Length

Number of characters in a physical record. Default is variable

length records.

38-39

Numeric

80

14

Delimiter

40-40

Alphanumeric

15

Delimiter

41-41

Alphanumeric

16

Version Number

BAI version number. This is a hard coded number.

42-42

Numeric

17

Delimiter

End of logical record

43-43

Alphanumeric

Field #

Sample 01 record:

01,000300032,123456789,020125,0600,1,80,,2/

Royal Bank (000300032) is sending data to client SRF # (123456789). The file was created Jan. 25, 2002 (020125) at 6:00am (0600). This is the first file created on
this date and is identified as 1. The physical records in this file are 80 characters in length. No block size is specified this is noted by adjacent delimiters, The file is
version (2) of the specifications. The slash (/) delimits the end of the logical record.

Feb26,2008FileLayout

Record type 02: Group Header

The group header identifies a group of accounts, all of which are from the same originator and include the same as-of-date.
Field #

Field Name

Field Description

Position

Length Type

Sample

Record code

02

01-02

Numeric

02

Delimiter

03-03

Alphanumeric

Ultimate receiver ID

Final receiver of this group of data. (RBC uses SRF number)

04-12

Numeric

123456789

Delimiter

13-13

Alphanumeric

Originator Identification

Originator (Sender Bank+ sender Transit)

14-22

Numeric

000300032

Delimiter

23-23

Alphanumeric

Group Status

1 = Update

24-24

Numeric

Delimiter

25-25

Alphanumeric

As-of-Date

Date for which reported information is current.

26-31

Numeric

020124

10

Delimiter

32-32

Alphanumeric

11

As-of-Time

Time of day in originator time zone, for which information is

current. Military format 24 hours, (0001 through 2400);

33-36

Numeric

0600

12

Delimiter

37-37

Alphanumeric

13

Currency Code

The currency code is either CAD or USD

38-40

Numeric

CAD

14

Delimiter

41-41

Alphanumeric

15

As-of-date Modifier

As-of-date modifier is used to identify final , previous day data

42-42

Numeric

16

Delimiter

End of logical record

43-43

Alphanumeric

Sample 02 record:

02,123456789,000300032,1,020124,0600,CAD,2/

A group of data is being sent to client 123456789 from Royal Bank (00030032). The data in the file has a group status of update (1) and the data are as of Jan. 24,
2002 (020124) at 6:00 am (0600). The optional group currency code field is (CAD). The optional As-of date modifier is set to (2) final previous day data. The slash
(/) delimits the end of the logical record.

Feb26,2008FileLayout

Record type 03: Account Identifier and Summary Status DDA ACCOUNT
This record identifies the account number and reports summary and status information. Summary information may be accompanied by an item count and funds
availability distribution. A 03 record must be used to identify each account. All fields are required except those labelled optional.
Field #

Field Name

Field Description

Position

Length Type

Sample

Record code

03

01-02

Numeric

03

Delimiter

03-03

Alphanumeric

Customer Account Number

Customer account number at originator financial institution. The

field is alphanumeric and includes significant leading zeroes.

04-20

17

Alphanumeric

00002000001111
111

Delimiter

21-21

Alphanumeric

Currency Code

The currency code is either CAD or USD

22-24

Alphanumeric

CAD

Delimiter

25-25

Alphanumeric

Type Code

Identifies the type of summary or status data. Opening Ledger

010.

26-28

Numeric

010

Delimiter

29-29

Alphanumeric

Amount

Expressed without a decimal. The currency code will determine

the implied decimal.

30-43

14

Numeric

+000000056540
0

10

Delimiter

44-44

Alphanumeric

11

Delimiter

45-45

Numeric

12

Delimiter

46-46

Numeric

13

Type code

Identifies the type of summary or status data. Closing Ledger

015.

47-49

Numeric

015

14

Delimiter

50-50

Alphanumeric

15

Amount

Expressed without a decimal. The currency code will determine

the implied decimal.

51-64

14

Numeric

+000000054540
0

16

Delimiter

65-65

Numeric

17

Delimiter

66-66

Numeric

18

Delimiter

End of logical record

67-67

Alphanumeric

Sample 03 record:

03,00002000001111111,CAD,010,+0000000565400,,,015,+0000000545400,,/

Feb26,2008FileLayout

Data in this record are for the sending banks account # 00002000001111111. The leading zero in the account number is significant and must be included in the data.
The currency is CAD. The amount for type code 010 is $5,654.00. The item count and funds type fields are defaulted as indicated by adjacent delimiters (,,). The
amount for type code 015 is $5,454.00. The item count & funds type are defaulted as indicated by adjacent delimiters (,,).The slash (/) delimits the end of the logical
record.

Feb26,2008FileLayout

Record type: 88 Continuation of previous 03 record

DDA ACCOUNT

Record 88 is a continuation record. If data in any type of record exceed the physical record size, or if dividing the record is desirable for any other reason, an 88 record
allows the data to continue in the same format. The continuation is labelled as a type 88 record. A continuation record may follow any type of record, including another
continuation
Field #

Field Name

Field Description

Position

Length

Type

Sample

Record code

88

01-02

Numeric

88

Delimiter

03-03

Alphanumeric

Record type

100 for Summary Total Credits 100

04-06

Numeric

100

Delimiter

07-07

Alphanumeric

Amount

Amount for type 100 Summary Total Credits

08-21

14

Numeric

+00000000050
00

Delimiter

22-22

Alphanumeric

Item count

Integer field. For Summary type codes only. Total number of

credits

23-28

Numeric

+00001

Delimiter

29-29

Alphanumeric

Delimiter

30-30

Alphanumeric

11

Record type

400 for Summary Total Debits 400

31-33

Numeric

400

12

Delimiter

34-34

Alphanumeric

13

Amount

Amount for type 400 Summary Total Debits

35-48

14

Numeric

+00000000250
00

14

Delimiter

49-49

Alphanumeric

15

Item Count

Integer field. For summary codes only. Total number of debits.

50-55

Numeric

+00002

16

Delimiter

56-56

Alphanumeric

17

Delimiter

End of logical record

57-57

Alphanumeric

Sample 88 record:

88,100,+0000000005000,+00001,,400,+0000000025000,+00002,/

Record 88 is a continuation of record type 03. The record type 100, summary records, has a total amount of $50.00 (00000000005000) with a total number of credit
items 1 (000001). Since funds type defaults to record 03 (CAD) we have (,,). We then restart with record type (400) for Summary Total debits for a value of $250.00
(00000000025000) for two items (000002). Again the funds type is default (,). The slash (/) delimits the end of the logical record.

Feb26,2008FileLayout

Record type: 88 Continuation of previous 03 record

DDA ACCOUNT

Record 88 is a continuation record. If data in any type of record exceed the physical record size, or if dividing the record is desirable for any other reason, an 88 record
allows the data to continue in the same format. The continuation is labelled as a type 88 record. A continuation record may follow any type of record, including another
continuation
Field #

Field Name

Field Description

Position

Length

Type

Sample

Record code

88

01-02

Numeric

88

Delimiter

03-03

Alphanumeric

Record Type

270 Total Zero Balance account credit code

04-06

Numeric

270

Delimiter

07-07

Alphanumeric

Amount

Zero Balance account credit amount

08-21

14

Numeric

+00000000050
00

Delimiter

22-22

Alphanumeric

Item Count

Integer field. Total number of credits.

23-28

Numeric

+00001

For Summary type codes only.

8

Delimiter

29-29

Alphanumeric

Delimiter

30-30

Alphanumeric

10

Record Type

570 Total Zero Balance account debit code

31-33

Numeric

570

11

Delimiter

34-34

Alphanumeric

12

Amount

Zero Balance account debit amount

35-48

14

Numeric

+00000000250
00

13

Delimiter

49-49

Alphanumeric

14

Item Count

Integer field. Total number of debits.

50-55

Numeric

+00002

For Summary type codes only.

15

Delimiter

56-56

Alphanumeric

16

Delimiter

57-57

Alphanumeric

Sample 88 record:

88,270,+0000000005000,+00001,,570,+0000000025000,+00002,/

Record 88 is a continuation of record type 03. The record type 270, Zero Balance Credit records, has a total amount of $50.00 (00000000005000) with a total number
of credit items 1 (000001). Since funds type defaults to record 03 (CAD) we have (,,). We then restart with record type (570) for Zero Balance Debit records for a value

Feb26,2008FileLayout

of $250.00 (00000000025000) for two items (000002). Again the funds type is default (,).The slash (/) delimits the end of the logical record.

Feb26,2008FileLayout

Record type: 16 Transaction Detail record

DDA ACCOUNT

This record reports detail with accompanying text and reference numbers. All fields are required except those labelled optional.
Field #

Field Name

Field Description

Position

Length

Type

Sample

Record code

16

01-02

Numeric

16

Delimiter

03-03

Alphanumeric

Type Code

Identifies the type of detail data. (Transaction type code)

04-06

Numeric

195

Delimiter

07-07

Alphanumeric

Amount

Always positive unsigned. Expressed without a decimal

08-20

13

Numeric

000000000500
0

Delimiter

21-21

Alphanumeric

Funds Type

V for value dated. Hard coded

22-22

Alphanumeric

Delimiter

23-23

Alphanumeric

Value Date

Date funds available to customer.

24-29

Numeric

020124

10

Delimiter

30-30

Alphanumeric

11

Value Time

Default.

31-34

Numeric

0600

12

Delimiter

End of logical record

35-35

Alphanumeric

Sample 16 record:

16,195,0000000005000,V,020124,0600/

This is a detail record 16. The amount for type code 195 is $50.00 has value dated availability (V) of 020124 and the availability time is 0600. The slash (/) delimits
the end of the logical record.

Feb26,2008FileLayout

Record type: 88 Continuation of previous 16 record

DDA ACCOUNT

Record 88 is a continuation record. If data in any type of record exceed the physical record size, or if dividing the record is desirable for any other reason, an 88 record
allows the data to continue in the same format. The continuation is labelled as a type 88 record. A continuation record may follow any type of record, including another
continuation
Field #

Field Name

Field Description

Position

Length

Type

Sample

Record code

88

01-02

Numeric

88

Delimiter

03-03

Alphanumeric

Bank reference number

Optional Alphanumeric field defined by the originator.

04-16

13

Numeric

000207123123
4

Delimiter

17-17

Alphanumeric

Customer Reference
Number

Optional alphanumeric field defined by the originator.

18-37

20

Alphanumeric

FUNDS
TRANSFER
CR

Delimiter

38-38

Alphanumeric

Text

Alphanumeric field defined by the originator

39-58

20

Alphanumeric

ABC
COMPANY
LTD.

Delimiter

38-38

Alphanumeric

Text

Alphanumeric field defined by the originator

39-58

20

Alphanumeric

DESC#3

10

Delimiter

End of logical record.

59-59

Alphanumeric

Sample 88 record:

88,0002071231234,FUNDS TRANSFER CR ,ABC COMPANY LTD.

,DESC#3

Record 88 is a continuation of record type 16. The bank reference number is 0002071231234, the customer reference number is FUNDS TRANSFER CR and the text
fields are ABC COMPANY LTD and BLANK. The slash (/) delimits the end of the logical record.

Feb26,2008FileLayout

Record type: 49 Account Trailer

DDA ACCOUNT

The account trailer record provides account level control totals. All fields are required
Field #

Field Name

Field Description

Position

Length

Type

Sample

Record code

49

01-02

Numeric

49

Delimiter

03-03

Alphanumeric

Account control total

Algebraic sum of all amount fields in the preceding type 03

record and all type 16 and 88 records associated with that account.
Includes the + or -.

04-17

14

Numeric

+00000011708
00

Delimiter

18-18

Alphanumeric

Number of records

Integer. The total number of records in the account, including 03

record and all 16 and 88 records, and including this account trailer
49 record.

19-24

Numeric

000009

Delimiter

End of logical record

25-25

Alphanumeric

Sample 49 record:

49,+0000001170800,000009/

The account trailer record contains the account control total (1170800) which is the algebraic sum of Amounts in all records back to and including the preceding 03
record. The account control total does not include amounts in funds type fields. The number of records (9) includes the 03, 16, 88 and this account trailer record
(49). The slash (/) delimits the end of the logical record.

Feb26,2008FileLayout

Record type 03: Account Identifier and Summary Status

RDA ACCOUNT

This record identifies the account number and reports summary and status information. Summary information may be accompanied by an item count and funds
availability distribution. An 03 record must be used to identify each account. All fields are required except those labelled optional.
Field #

Field Name

Field Description

Position

Length Type

Sample

Record code

03

01-02

Numeric

03

Delimiter

03-03

Alphanumeric

Customer Account Number

Customer account number at originator financial institution. The

field is alphanumeric and includes significant leading zeroes.

04-20

17

Alphanumeric

00002000001111
111

Concatenation of the Branch no and Account no

4

Delimiter

21-21

Alphanumeric

Currency Code

The currency code is either CAD or USD

22-24

Alphanumeric

CAD

Delimiter

25-25

Alphanumeric

Type Code

Identifies the type of summary or status data.

26-28

Numeric

010

Opening Ledger 010.

8

Delimiter

29-29

Alphanumeric

Amount

Expressed without a decimal. The currency code will determine

the implied decimal.

30-43

14

Numeric

+000000056540
0

10

Delimiter

44-44

Alphanumeric

11

Delimiter

45-45

Alphanumeric

12

Delimiter

46-46

Alphanumeric

13

Type code

Identifies the type of summary or status data.

47-49

Numeric

015

Closing Ledger 015.

14

Delimiter

50-50

Alphanumeric

15

Amount

Expressed without a decimal. The currency code will determine

the implied decimal.

51-64

14

Numeric

+000000054540
0

16

Delimiter

65-65

Alphanumeric

Feb26,2008FileLayout

17

Delimiter

66-66

Alphanumeric

18

Delimiter

End of logical record

67-67

Alphanumeric

Sample 03 record:

03,00002000001111111,CAD,010,+0000000565400,,,015,+0000000545400,,/

Data in this record are for the sending banks account # 00002000001111111. The leading zero in the account number is significant and must be included in the data.
The currency is CAD. The amount for type code 010 is $5,654.00. The item count and funds type fields are defaulted as indicated by adjacent delimiters (,,). The
amount for type code 015 is $5,454.00. The item count & funds type are defaulted as indicated by adjacent delimiters (,,).The slash (/) delimits the end of the logical
record.

Feb26,2008FileLayout

Record type: 88 Continuation of previous 03 record

RDA ACCOUNT

Record 88 is a continuation record. If data in any type of record exceed the physical record size, or if dividing the record is desirable for any other reason, an 88 record
allows the data to continue in the same format. The continuation is labelled as a type 88 record. A continuation record may follow any type of record, including another
continuation
Field #

Field Name

Field Description

Position

Length

Type

Sample

Record code

88

01-02

Numeric

88

Delimiter

03-03

Alphanumeric

Record type

100 for Summary Total Credits 100

04-06

Numeric

100

Delimiter

07-07

Alphanumeric

Amount

Amount for type 100 Summary Total Credits

08-21

14

Numeric

+00000000050
00

Delimiter

22-22

Alphanumeric

Item count

Integer field. For Summary type codes only. Total number of

credits

23-28

Numeric

+00001

Delimiter

29-29

Alphanumeric

Delimiter

30-30

Alphanumeric

11

Record type

400 for Summary Total Debits 400

31-33

Numeric

400

12

Delimiter

34-34

Alphanumeric

13

Amount

Amount for type 400 Summary Total Debits

35-48

14

Numeric

+00000000250
00

14

Delimiter

49-49

Alphanumeric

15

Item Count

Integer field. For summary codes only. Total number of debits.

50-55

Numeric

+00002

16

Delimiter

56-56

Alphanumeric

17

Delimiter

End of logical record

57-57

Alphanumeric

Sample 88 record:

88,100,+0000000005000,+00001,,400,+0000000025000,+00002,/

Record 88 is a continuation of record type 03. The record type 100, summary records, has a total amount of $50.00 (00000000005000) with a total number of credit
items 1 (000001). Since funds type defaults to record 03 (CAD) we have (,,). We then restart with record type (400) for Summary Total debits for a value of $250.00
(00000000025000) for two items (000002). Again the funds type is default (,).The slash (/) delimits the end of the logical record.

Feb26,2008FileLayout

Record type: 16 Transaction Detail record

RDA ACCOUNT

This record reports detail with accompanying text and reference numbers. All fields are required except those labelled optional.
Field #

Field Name

Field Description

Position

Length

Type

Sample

Record code

16

01-02

Numeric

16

Delimiter

03-03

Alphanumeric

Type Code

Identifies the type of detail data. (Transaction type code)

04-06

Numeric

195

Delimiter

07-07

Alphanumeric

Amount

Always positive unsigned. Expressed without a decimal

08-20

13

Numeric

000000000500
0

Delimiter

21-21

Alphanumeric

Funds Type

V for value dated.

22-22

Alphanumeric

Hard coded. NOT from COBOL record

8

Delimiter

23-23

Alphanumeric

Value Date

Date funds available to customer.

24-29

Numeric

020124

10

Delimiter

30-30

Alphanumeric

11

Value Time

Use the file creation time.

31-34

Numeric

0600

12

Delimiter

End of logical record

35-35

Alphanumeric

Sample 16 record:

16,195,0000000005000,V,020124,0600/

This is a detail record 16. The amount for type code 195 is $50.00 has value dated availability (V) of 020124 and the availability time is 0600. The slash (/) delimits
the end of the logical record.

Feb26,2008FileLayout

Record type: 88

Continuation of previous 16 record

RDA ACCOUNT

Record 88 is a continuation record. If data in any type of record exceed the physical record size, or if dividing the record is desirable for any other reason, an 88 record
allows the data to continue in the same format. The continuation is labelled as a type 88 record. A continuation record may follow any type of record, including another
continuation
Field #

Field Name

Field Description

Position

Length

Type

Sample

Record code

88

01-02

Numeric

88

Delimiter

03-03

Alphanumeric

Serial number

Transaction serial number.

04-16

13

Numeric

000207123123
4

Delimiter

17-17

Alphanumeric

Text

RDA description line

18-37

20

Alphanumeric

FUNDS
TRANSFER
CR

Delimiter

End of logical record.

38-38

Alphanumeric

Sample 88 record:

88,0002071231234,FUNDS TRANSFER CR /

Record 88 is a continuation of record type 16. The bank reference number is 0002071231234, and text field is FUNDS TRANSFER CR. The slash (/) delimits the end
of the logical record.

Feb26,2008FileLayout

Record type: 49 Account Trailer

RDA ACCOUNT

The account trailer record provides account level control totals. All fields are required
Field #

Field Name

Field Description

Position

Length

Type

Sample

Record code

49

01-02

Numeric

49

Delimiter

03-03

Alphanumeric

Account control total

Algebraic sum of all amount fields in the preceding type 03

record and all type 16 and 88 records associated with that account.
Includes the + or -.

04-17

14

Numeric

+00000011708
00

Delimiter

18-18

Alphanumeric

Number of records

Integer. The total number of records in the account, including 03

record and all 16 and 88 records, and including this account trailer
49 record.

19-24

Numeric

000009

Delimiter

End of logical record

25-25

Alphanumeric

Sample 49 record:

49,+0000001170800,000009/

The account trailer record contains the account control total (1170800) which is the algebraic sum of Amounts in all records back to and including the preceding 03
record. The account control total does not include amounts in funds type fields. The number of records (9) includes the 03, 16, 88 and this account trailer record
(49). The slash (/) delimits the end of the logical record.

Feb26,2008FileLayout

Record type 03: Account Identifier and Summary Status

LOANS ACCOUNT

This record identifies the account number and reports summary and status information. Summary information may be accompanied by an item count and funds
availability distribution. An 03 record must be used to identify each account. All fields are required except those labelled optional.
Field #

Field Name

Field Description

Position

Length Type

Sample

Record code

03

01-02

Numeric

03

Delimiter

03-03

Alphanumeric

Customer Account Number

Customer account number at originator financial institution. The

field is alphanumeric and includes significant leading zeroes.

04-20

17

Alphanumeric

0000212345678001

This field is the concatenation of Branch no, Account no, a dash,

and segment number.
4

Delimiter

21-21

Alphanumeric

Currency Code

The currency code is either CAD or USD

22-24

Alphanumeric

CAD

Delimiter

25-25

Alphanumeric

Type Code

Principal Loan Balance Code

26-28

Numeric

010

This value is not passed to us in the COBOL record

010 will .be hard coded
..
8

Delimiter

29-29

Alphanumeric

Amount

Loan opening Balance Amount

30-43

14

Numeric

+000000056540
0

Expressed without a decimal. The currency code will determine

the implied decimal.
10

Delimiter

44-44

Alphanumeric

11

Delimiter

45-45

Numeric

12

Delimiter

46-46

Numeric

13

Type code

Adjusted balance code , Passed to B2B in the COBOL input file

47-49

Numeric

056

Value will be 056

14

Delimiter

50-50

Alphanumeric

15

Amount

Adjusted balance amount

51-64

14

Numeric

+000000054540

Feb26,2008FileLayout

0
16

Delimiter

65-65

Numeric

17

Delimiter

65-65

Numeric

18

Delimiter

End of logical record

67-67

Alphanumeric

Sample 03 record:

03,0000212345678-001,CAD,010,+0000000565400,,,056,+0000000545400,,/

Data in this record are for the sending banks account # 00002 12345678-001. The leading zero in the account number is significant and must be included in the data.
The currency is CAD. The principal loan balance code 010 is $5,654.00. The item count and funds type fields are defaulted as indicated by adjacent delimiters (,,,). The
adjusted balance code 056 is $5,454.00. The item count & funds type are defaulted as indicated by adjacent delimiters (,,).The slash (/) delimits the end of the logical
record.

Feb26,2008FileLayout

Record type: 88 Continuation of previous 03 record LOANS ACCOUNT

Record 88 is a continuation record. If data in any type of record exceed the physical record size, or if dividing the record is desirable for any other reason, an 88 record
allows the data to continue in the same format. The continuation is labelled as a type 88 record. A continuation record may follow any type of record, including another
continuation
Field #

Field Name

Field Description

Position

Length

Type

Sample

Record code

88

01-02

Numeric

88

Delimiter

03-03

Alphanumeric

Account type

Text field describing the account. Will contain LOAN

04-07

Alphanumeric

LOAN

Delimiter

08-08

Alphanumeric

Interest Rate

Interest rate

09-14

Numeric

005120

Delimiter

15-15

Alphanumeric

Maturity Date

Maturity Date

16-23

Numeric

020412

Delimiter

24-24

Alphanumeric

Delimiter

25-25

Alphanumeric

Sample 88 record:

End of logical record.

88,LOAN,005120,020412,/

Record 88 is a continuation of record type 03. The account type is LOAN, the interest rate is 0.5120, and the maturity date is April 12, 2002. The slash (/) delimits the
end of the logical record.

Feb26,2008FileLayout

Record type: 49 Account Trailer

LOANS ACCOUNT

The account trailer record provides account level control totals. All fields are required
Field #

Field Name

Field Description

Position

Length

Type

Sample

Record code

49

01-02

Numeric

49

Delimiter

03-03

Alphanumeric

Account control total

Algebraic sum of all amount fields in the preceding type 03

record and all type 16 and 88 records associated with that account.
Includes the + or -.

04-17

14

Numeric

+00000011708
00

Delimiter

18-18

Alphanumeric

Number of records

Integer. The total number of records in the account, including 03

record and all 16 and 88 records, and including this account trailer
49 record.

19-24

Numeric

000009

Delimiter

End of logical record

25-25

Alphanumeric

Sample 49 record:

49,+0000001170800,000009/

The account trailer record contains the account control total (1170800) which is the algebraic sum of Amounts in all records back to and including the preceding 03
record. The account control total does not include amounts in funds type fields. The number of records (9) includes the 03, 16, 88 and this account trailer record
(49). The slash (/) delimits the end of the logical record.

Feb26,2008FileLayout

Record type 03: Account Identifier and Summary Status TERM DEPOSITS
This record identifies the account number and reports summary and status information. Summary information may be accompanied by an item count and funds
availability distribution. An 03 record must be used to identify each account. All fields are required except those labelled optional.
Field #

Field Name

Field Description

Position

Length Type

Sample

Record code

03

01-02

Numeric

03

Delimiter

03-03

Alphanumeric

Customer Account Number

Customer account number at originator financial institution. The

field is alphanumeric and includes significant leading zeroes.

04-29

26

Alphanumeric

00002000011111
11111111-001

Field is a concatenation of Branch no, Account no, a dash, and

segment number.
4

Delimiter

30-30

Alphanumeric

Currency Code

The currency code is either CAD or USD

31-33

Alphanumeric

CAD

Delimiter

34-34

Alphanumeric

Type Code

Principal Term Deposit Balance code

35-37

Numeric

015

The value is passed within the Raw Cobol file. It should be 015
8

Delimiter

38-38

Alphanumeric

Amount

Term Deposit Current Balance amount.

39-52

14

Numeric

+000000056540
0

53-53

Alphanumeric

Expressed without a decimal. The currency code will determine

the implied decimal.
10

Delimiter

Sample 03 record:

End of logical record

03,0000200001111111111111-001,CAD,015,+0000000565400/

Data in this record are for the sending banks account # 00002 00001111111111111-001. The leading zero in the account number is significant and must be included in
the data. The currency is CAD. The principal term deposit balance code 015 is $5,654.00. The slash (/) delimits the end of the logical record.

Feb26,2008FileLayout

Record type: 88 Continuation of previous 03 record TERM DEPOSITS

Record 88 is a continuation record. If data in any type of record exceed the physical record size, or if dividing the record is desirable for any other reason, an 88 record
allows the data to continue in the same format. The continuation is labelled as a type 88 record. A continuation record may follow any type of record, including another
continuation
Field #

Field Name

Field Description

Position

Length

Type

Sample

Record code

88

01-02

Numeric

88

Delimiter

03-03

Alphanumeric

Account Type

Account type. A text field with the value of Term

04-07

Alphanumeric

TERM

Delimiter

08-08

Alphanumeric

Interest rate

Interest rate

09-22

14

Numeric

000123456000
00

Delimiter

23-23

Alphanumeric

Maturity Date

Maturity Date

24-31

Numeric

060412

Delimiter

32-32

Alphanumeric

Issue date

33-40

Numeric

020412

10

Delimiter

41-41

11

Length Years

Length of term deposit in years

42-44

12

Delimiter

45-45

13

Length Days

Length of term deposit in days

46-48

Numeric

001

14

Delimiter

49-49

Alphanumeric

15

End of record

End of logical record

50

Alphanumeric

Sample 88 record:

Issue date

,
Numeric

004
,

88,TERM,00012345600000,060412,020412,004,001,/

Record 88 is a continuation of record type 03. The account type is TERM, the interest rate is 0.123456, the maturity date is April 12, 2006, the issue date is April 12,
2002, the length in years is 4, and the length in days is 1. The slash (/) delimits the end of the logical record.

Feb26,2008FileLayout

Record type: 49 Account Trailer TERM DEPOSITS

The account trailer record provides account level control totals. All fields are required
Field #

Field Name

Field Description

Position

Length

Type

Sample

Record code

49

01-02

Numeric

49

Delimiter

03-03

Alphanumeric

Account control total

Algebraic sum of all amount fields in the preceding type 03

record and all type 16 and 88 records associated with that account.
Includes the + or -.

04-17

14

Numeric

+00000011708
00

Delimiter

18-18

Alphanumeric

Number of records

Integer. The total number of records in the account, including 03

record and all 16 and 88 records, and including this account trailer
49 record.

19-24

Numeric

000009

Delimiter

End of logical record

25-25

Alphanumeric

Sample 49 record:

49,+0000001170800,000009/

The account trailer record contains the account control total (1170800) which is the algebraic sum of Amounts in all records back to and including the preceding 03
record. The account control total does not include amounts in funds type fields. The number of records (9) includes the 03, 16, 88 and this account trailer record
(49). The slash (/) delimits the end of the logical record.

Feb26,2008FileLayout

Record type: 98 Group Trailer

The group Trailer record provides group level control totals. All fields are required
Field #

Field Name

Field Description

Position

Length

Type

Sample

Record code

98

01-02

Numeric

98

Delimiter

03-03

Alphanumeric

Group control total

Algebraic sum of all account control totals in this group. This

field includes the + or -. Includes all 49 records.

04-17

14

Numeric

+00000465877
68

Delimiter

18-18

Alphanumeric

Number of accounts

Integer. The total number of 03 records in this group.

19-24

Numeric

000005

Delimiter

25-25

Alphanumeric

Number of records

Integer. The total number of all records in this group. Includes

the 02, all 03, 16, 88 and 49 records and this 98 record.

26-31

Numeric

000025

Delimiter

End of logical record

32-32

Alphanumeric

Sample 98 record:

98, +0000046587768,000005,000025 /

This group trailer record contains the group control total (+0000046587768) which is the algebraic sum of all account control totals in this group (49 records). The
number of accounts is five (5), reflecting the five account records (record type 03) in this group. The number of records in this group (25) which includes the 02
record, all 03, 16, 88 and 49 records and this 98 record. The slash (/) delimits the end of the logical record.

Feb26,2008FileLayout

Record type: 99 File Trailer

The file trailer record provides file control totals. All fields are required
Field #

Field Name

Field Description

Position

Length

Type

Sample

Record code

99

01-02

Numeric

99

Delimiter

03-03

Alphanumeric

File control total

Algebraic sum of all group control totals in this file. This field
includes the + or - for the total. If no sign precedes total, the
default is positive. Total all 98 records.

04-17

14

Numeric

+00000465877
68

Delimiter

18-18

Alphanumeric

Number of groups

Integer. The total number of 02 records in this file.

19-24

Numeric

000001

Delimiter

25-25

Alphanumeric

Number of records

Integer. The total number of all codes in this file, including

continuation records, headers and trailers (and including this 99
record).

26-31

Numeric

000027

Delimiter

End of logical record

32-32

Alphanumeric

Sample 99 record:

99,+0000046587768,000001,000027/

This file trailer record contains the file control total (+0000046587768) which is the algebraic sum of all group control totals in this file. The number of groups
(000001), reflecting the 02 records in this file. The number of records (27) is the total numbers of records in this file, including this 99 record. The slash (/) delimits
the end of the logical record.

Feb26,2008FileLayout