Payment Integration Bulk Telegraphic Transfer Format Specifications

Transcription

1 Payment Integration Bulk Telegraphic Transfer Format Specifications Prepared by: Group Transaction Banking, Product Management Electronic Delivery Channels Date: Sep 2017

2 Content 1. Introduction Payment File Format (from Customer to UOB) File Control Header Batch Header Batch Details Payment Advice format (Free Format) Batch Trailer Fate File Format (from UOB to Customer) Batch Header Batch Detail Batch Trailer Acknowledgment (Applicable to FTS/FileAct) Acknowledgement Types File Submission and Acknowledgement Scenarios Alert Appendix 1 Payment Advice Appendix 2 Remittance Information Appendix 3 ISO Country Codes Appendix 4 Hash Algorithm Appendix 5 Value Date... 23

3 1. Introduction This document describes the format and mapping definition for the fixed file format of Bulk Telegraphic Transfer (TT). The bulk file can be uploaded through File Transfer Service (FTS), FileAct and BIBPlus. This information is intended for business users and IT departments that use this payment service. Page 3 of 24

4 LEGEND OF COLUMN COLUMN NAME FIELD DESCRIPTION EXPLANATION Indicates the field name. Text - Left justified with trailing spaces - Alpha-numeric, numeric or characters Amount - Right justified with leading zeros - 2 decimal places without decimal point - Example: is presented as TYPE Quantity - Right justified with leading zeros Code - Indicates pre-defined values Date - Format in YYYYMMDD POSITION LENGTH MANDATORY REMARKS Time - Format in HHMMSS Indicates the starting position of the field. Indicates the length of the field. Y indicates a mandatory field N indicates an optional field C indicates fields which are conditional i.e. mandatory only if certain remittance conditions or other fields are used. Additional information provided in Remarks column. List the possible values, constraints, further explanations, etc. Page 4 of 24

5 2. Payment File Format (from Customer to UOB) Record Size : 1800 File Structure : File Control Header (1 line) refer to section 2.1 Batch Header (1 line) refer to section 2.2 Batch Details (1 to multiple lines) refer to section 2.3 Payment Advice (optional; multiple lines) refer to section 2.4 Batch Trailer (1 line) refer to section 2.5 File Naming : For FTS File Name: UTPIddmmNN.txt U TP I ddmm NN UOB Telegraphic Payment Incoming file from customer to bank Date and month the file was created Sequence Number, up to 99 payment files per day Example: UTPI TXT The above is a TT payment file sequence number 01 created on the 25 th of October. For FileAct File Name: CC_UTPIddmmNN_BIC.txt CC U TP I ddmm NN BIC Country Code UOB Telegraphic Payment Incoming file from customer to bank Date and month the file was created Sequence Number, up to 99 payment files per day Sender BIC (11 Characters) Example: SG_UTPI251001_TELPSGS1XXX.txt The above is a TT payment file sequence number 01 created on the 25 th of October. For BIBPlus Filename need not conform to the above naming convention Filename has to be unique and contains a file extension Examples: TTPayment1.txt, TTPayment2.txt etc Page 5 of 24

6 2.1 File Control Header # FIELD DESCRIPTION TYPE POSITION LENGTH MANDATORY REMARKS 1 Record Type Code 1 1 Y Must be "0". 2 File Name Text 2 10 Y Must match with filename excluding the.txt extension, examples: UTPI for FTS TTPayment1 for BIBPlus 3 Must not be later than current date. File Creation Date 12 8 Y Must not be earlier than 30 days Date from current date. 4 File Creation Time Time 20 6 Y 5 Company ID Text C Mandatory for FTS/FileAct, this is to be provided by the bank. 6 Check Summary Quantity Y 7 Company ID Text C 8 Filler Text N To fill with spaces. 2.2 Batch Header File check summary (i.e. hash total) for validating the file integrity. Refer to Appendix 4 for the Hash Algorithm. Mandatory for FTS/FileAct, this is to be provided by the bank. # FIELD DESCRIPTION TYPE POSITION LENGTH MANDATORY REMARKS 1 Record Type Code 1 1 Y Must be "1". 2 Bulk Customer For customer s internal use to Text 2 20 N reference their bulk file. 3 Payment Advice Refer to Appendix 1 for Payment Text N Header Line 1 Advice. 4 Payment Advice Refer to Appendix 1 for Payment Text N Header Line 2 Advice. 5 Filler Text N To fill with spaces. Page 6 of 24

7 2.3 Batch Details There should be at least one batch detail record. All fields values must be SWIFT compliant. Do not use the characters below as they are NOT SWIFT-compliant; failure to comply may result in delays in the payment processing. ` # $ % ^ & * _ = < > [ ] { } \ " # FIELD DESCRIPTION TYPE POSITION LENGTH MANDATORY REMARKS 1 Record Type Code 1 1 Y Must be "2. 2 Payment Type Code 2 3 Y Must be TT. 3 Payment Currency Code 5 3 Y Refer to Appendix 3 for the currency list accepted by the bank. 4 Payment Amount Amount 8 15 Y 5 Value Date Date 23 8 Y Refer to Appendix 5 for Value Date 6 Payment Detail (Line 1) Text C Mandatory to some countries or for certain currencies. Refer to Appendix 2 for Remittance Information. 7 Payment Detail (Line 2) Text N Same as above 8 Payment Detail (Line 3) Text N Same as above 9 Payment Detail (Line 4) Text N Same as above 10 Beneficiary Name and Address (Line 1) Text Y Will be printed on first page of payment advice. Refer to Appendix 1 for Payment Advice. 11 Filler Text N To fill with spaces. 12 Filler Text N To fill with spaces. 13 Beneficiary Name and Address (Line 2) Text Y Will be printed on first page of payment advice. Refer to Appendix 1 for Payment Advice. 14 Beneficiary Name and Address (Line 3) Text N Same as above 15 Beneficiary Name and Address (Line 4) Text N Same as above 16 Filler Text N To fill with spaces. 17 Beneficiary Country Code Code Y 18 Filler Text N To fill with spaces Beneficiary A/C No. Beneficiary Bank Name and address (Line 1) Beneficiary Bank Name and address (Line 2) Text Y Text Y Text N Refer to Appendix 3 for ISO Country Codes. Only alphanumeric values are accepted i.e. no space, no bracket ( ), no dash -, no slash /, etc. are allowed. Use IBAN for payments to Europe or other countries where IBAN is required. Page 7 of 24

8 # FIELD DESCRIPTION TYPE POSITION LENGTH MANDATORY REMARKS 22 Beneficiary Bank Name and address (Line 3) Text N 23 Beneficiary Bank Name and address (Line 4) Text N 24 Beneficiary Bank Refer to Appendix 3 for ISO Code N Country Code Country Codes. 25 Filler Text N To fill with spaces 26 Mandatory if payment to Beneficiary Bank Code C country where Beneficiary Bank SWIFT Code Clearing Code is not required. 27 Beneficiary Bank Clearing Code Code C Mandatory if payment to some countries or certain currencies. Refer to Appendix 3 for Remittance Information. Refer to Appendix 2 for Remittance Information. 28 Beneficiary Bank Clearing Code Type Code C Intermediary Bank 29 Name and address Text N (Line 1) Intermediary Bank 30 Name and address Text N (Line 2) Intermediary Bank 31 Name and address Text N (Line 3) Intermediary Bank 32 Name and address Text N (Line 4) 33 Intermediary Bank Refer to Appendix 3 for ISO Code N Country Code Country Codes. 34 Filler Text N To fill with spaces. 35 Intermediary Bank Same as Beneficiary Bank Code N SWIFT Code SWIFT Code 36 Intermediary Bank Same as Beneficiary Bank Code N Clearing Code Clearing Code 37 Intermediary Bank Same as Beneficiary Bank Code N Clearing Code Type Clearing Code Type 38 Sender to Receiver Info To fill with spaces if not Text N Line 1 required. 39 Sender to Receiver Info To fill with spaces if not Text N Line 2 required. 40 Sender to Receiver Info To fill with spaces if not Text N Line 3 required. 41 Sender to Receiver Info To fill with spaces if not Text N Line 4 required. SHA UOB Singapore bank charges paid by customer 42 OUR Local and Overseas Party bearing Bank s bank charges paid by Charges Code Y customer BEN Local and Overseas bank charges paid by beneficiary Page 8 of 24

9 # FIELD DESCRIPTION TYPE POSITION LENGTH MANDATORY REMARKS Right justified with leading zeros. 43 Debiting A/C No. Only numeric values are Code Y accepted i.e. no space, no bracket ( ), no dash -, no slash /, etc. are allowed. 44 Debiting A/C Currency Code Y e.g. SGD, USD number for FX contract. 45 FX Contract 1 Below list of characters are Text N not allowed ` # $ % ^ & * _ = < > [ ] { } \ 46 Filler Quantity N To fill with zeros. 47 FX Contract 1 Optional 1 only if FX contract 1 is Amount N Utilization Amount available. 48 FX Contract 2 Same as FX Contract 1 Text N 49 Filler Quantity N To fill with zeros. 50 FX Contract 2 Same as FX Contract 1 Amount N Utilization Amount Utilization Amount 51 FX Contract 3 Same as FX Contract 1 Text N 52 Filler Quantity N To fill with zeros. 53 FX Contract 3 Same as FX Contract 1 Amount N Utilization Amount Utilization Amount 54 FX Contract 4 Same as FX Contract 1 Text N 55 Filler Quantity N To fill with zeros. 56 FX Contract 4 Same as FX Contract 1 Amount N Utilization Amount Utilization Amount 57 FX Contract 5 Same as FX Contract 1 Text N 58 Filler Quantity N To fill with zeros. 59 FX Contract 5 Same as FX Contract 1 Amount N Utilization Amount Utilization Amount Right justified with leading zeros. 60 Debiting A/C No. for Only numeric values are Code N Charges accepted i.e. no space, no bracket ( ), no dash -, no slash /, etc. are allowed. 61 Debiting A/C Currency for Charges Code N e.g. SGD, USD 62 Filler Text N To fill with spaces. 63 Filler Text N To fill with spaces. 64 Filler Text N To fill with spaces. 65 Filler Text N To fill with spaces. 66 Filler Text N To fill with spaces. 67 Filler Text N To fill with spaces. 68 Filler Text N To fill with spaces. 69 Filler Text N To fill with spaces. 1 If no utilisation amounts are indicated, the payment amount will be first deducted from the FX contract 1 followed by the next indicated FX contract (if the previous indicated contracts have insufficient amounts). Page 9 of 24

10 # FIELD DESCRIPTION TYPE POSITION LENGTH MANDATORY REMARKS 70 Filler Text N To fill with spaces. 71 Payment Advice Indicator Code Y To indicate if customer wants to send Payment Advice to beneficiary via Y To send Payment Advice N Do not send Mandatory if Payment Advice Indicator is Y. C 72 Delivery Mode Code Must be E. delivery of the payment advice to beneficiary. Mandatory if Payment Advice C 73 Advice Format Code Indicator is Y. Must be 1. To be printed on first page of advice. 74 Beneficiary ID Text N Refer to Appendix 1 for Payment Advice. 75 Beneficiary City Text N Beneficiary s city Address of Beneficiary Text C Facsimile Number of Beneficiary Mandatory if Payment Advice Indicator is Y. Must be a valid address. Text N To fill with spaces To be printed on first page of 78 Payer s Name (line 1) advice. Text N Refer to Appendix 1 for Payment Advice. To be printed on first page of 79 Payer s Name (line 2) advice. Text N Refer to Appendix 1 for Payment Advice. Customer s reference number for this invoice. 80 Number Will be printed on first page of Text N payment advice. Refer to Appendix 1 for Payment Advice. 81 Filler Text N To fill with spaces. Page 10 of 24

11 2.4 Payment Advice format (Free Format) Optional; do not populate this record if no payment advice is required. # FIELD DESCRIPTION TYPE POSITION LENGTH MANDATORY REMARKS 1 Record Type Code 1 1 Y Must be "4". 2 Spacing Lines Quantity 2 2 Y Value 00 to 50 only, any value greater than 50 will be defaulted to 50. It is to indicate how many spacing lines to be printed before this advice line. 3 Payment Advice Details Text Y Refer to Appendix 1 for Payment Advice. 4 Filler Text N To fill with spaces. 2.5 Batch Trailer Total number of transactions and payment amounts in Batch Detail must tally with the trailer counts. # FIELD DESCRIPTION TYPE POSITION LENGTH MANDATORY REMARKS 1 Record Type Code 1 1 Y Must be "9". 2 Total Number of Total number of transactions Quantity 2 8 Y Transactions in record type 2. 3 Total Payment Total of the payment Amount Y Amount amounts in record type 2. 4 Filler Text N To fill with spaces. Page 11 of 24

12 3. Fate File Format (from UOB to Customer) Record Size : 800 File Structure : Batch Header (1 line) refer to section 3.1 Batch Details (1 to multiple lines) refer to section 3.2 Batch Trailer (1 line) refer to section 3.3 File Naming : For FTS File Name: UTPOddmmNN_xxxxA U TP O ddmm NN xxxxa UOB Telegraphic Payment Outgoing file from bank to customer Same value as incoming file Same value as incoming file UOB assigned reference For FileAct File Name: CC_UTPOddmmNN_BIC.txt CC U TP O ddmm NN BIC Country Code UOB Telegraphic Payment Outgoing file from bank to customer Date and month the file was created Sequence Number, up to 99 payment files per day Sender BIC (11 Characters) For BIBPlus File Name: UTMOxxxxxxxxxxxxxx U TM O xxxxxxxxxxxxxx UOB Telegraphic Payment Outgoing file from bank to customer 14 digit BIBPlus reference number Page 12 of 24

13 3.1 Batch Header # FIELD DESCRIPTION TYPE POSITION LENGTH REMARKS 1 Record Type Code 1 1 Must be "1". 2 Bulk Customer Text 2 20 Same as incoming file 3 Payment Advice Header Line 1 Text Same as incoming file 4 Payment Advice Header Line 2 Text Same as incoming file 5 Filler Text Spaces 3.2 Batch Detail # FIELD DESCRIPTION TYPE POSITION LENGTH REMARKS 1 Record Type Code 1 1 Must be 2. 2 Payment Type Code 2 3 Same as incoming file. 3 Payment Currency Code 5 3 Same as incoming file. 4 Payment Amount Amount 8 15 Same as incoming file. 5 Value Date Date 23 8 Same as incoming file. 6 Beneficiary Name and Address (Line 1) Text Same as incoming file. 7 Fillers Text Spaces. 8 Fillers Text Spaces. 9 Debiting Currency Code Same as incoming file. 10 Debiting Amount Amount Total debiting amount including charges. 11 Remit amount Amount Actual payment amount to beneficiary (in payment currency) less charges. 12 FX Contract 1 Same as incoming file. Text FX Contract 1 Rate Amount Same as incoming file. 14 FX Contract 1 Utilized Amount Amount Same as incoming file. 15 FX Contract 2 Text Same as incoming file. 16 FX Contract 2 Rate Amount Same as incoming file. 17 FX Contract 2 Utilized Amount Amount Same as incoming file. 18 FX Contract 3 Text Same as incoming file. 19 FX Contract 3 Rate Amount Same as incoming file. 20 FX Contract 3 Utilized Amount Amount Same as incoming file. 21 FX Contract 4 Text Same as incoming file. 22 FX Contract 4 Rate Amount Same as incoming file. 23 FX Contract 4 Utilized Amount Amount Same as incoming file. 24 FX Contract 5 Text Same as incoming file. 25 FX Contract 5 Rate Amount Same as incoming file. 26 FX Contract 5 Utilized Amount Amount Same as incoming file. 27 Total amount of bank Sum of Commission, Agent and Cable Charges Amount charges 28 Commission Charge Amount Commission charge in payment currency 29 Agent Charge Amount Agent charge in payment currency with 2 decimal places Page 13 of 24

14 # 30 FIELD DESCRIPTION Cable Charge TYPE POSITION LENGTH REMARKS Amount Cable charge in payment currency with 2 decimal places 31 Postage Charge Amount Not applicable 32 MT110 Charge Amount Not applicable 33 Exchange Rate 1 Rate Bank s board rate 1 with 8 decimal places means Exchange Rate 2 Rate Bank s board rate 2 with 8 decimal places. Applicable when payment currency and debiting currency are in 3rd cross currency pair, e.g. HKD and GBP. 35 Bank No Text Bank s reference No. 36 Process Status Code Processed successfully 1 Rejected 37 Process Remarks Text Rejection Reason. 38 Payment Advice Y Sent Code Indicator N Not sent 39 Reason of Not Sent Text States the reason why the advice cannot be sent. 40 Number Text For customer s reference, same as incoming file. 41 Beneficiary ID Text Same as incoming file. 42 Filler Text Spaces. 3.3 Batch Trailer # FIELD DESCRIPTION TYPE POSITION LENGTH REMARKS 1 Record Type Code 1 1 Must be 9. 2 Total Number of Total number of successfully processed Quantity 2 8 Successful Transactions detail records in the file. 3 Total debiting amount Amount Total debiting amount including charges in 2 decimal places. 4 Total Number of Rejected Total number of rejected detail records Quantity 25 8 Transactions in the file. 5 Total payment amount of rejected Total Payment Amount of Amount transactions regardless of payment Rejected Transactions currency in 2 decimal places. 6 Filler Text Spaces. Page 14 of 24

15 4. Acknowledgment (Applicable to FTS/FileAct) Customers sending payment files via BIBPlus may ignore this section. 4.1 Acknowledgement Types When customers send payment file via FTS/FileAct, they will receive acknowledgement with regards to the status of the file submission. The table below shows 4 types of acknowledgement from the bank. ACK TYPE File Received File Accepted File Rejected File Duplicated RESPONSE TIME Within 10 mins from file submission FTS UTPIddmmNN UTPIddmmNN_ACC UTPIddmmNN_REJ UTPIddmmNN_DUP ACK FILE NAMING FILEACT SG_UTPIddmmNN_TELSGS1XXX SG_UTPIddmmNN_ACC_TELSGS1XXX SG_UTPIddmmNN_REJ_TELSGS1XXX SG_UTPIddmmNN_DUP_TELSGS1XXX ACK FILE CONTENT 1201,UTPI has been received 1201,UTPI has been accepted 1201,UTPI011201,Rec #:,1,Invalid company ID in control record 1201,UTPI011201,Rec #:,1,Duplicate file With reference to the Ack. File Naming column in the table above, additional file extension will be appended depending on the encrypted software used, e.g. PGP encryption will have the file extension of.pgp. With reference to the Ack. File Content column in the table above, the acknowledgement file has a fixed record size of 80 characters and will be in the format of MMDD,Filename,Message<spaces> where: MMDD file creation month and day Filename Payment filename Message acknowledgement or rejection messages 4.2 File Submission and Acknowledgement Scenarios The 3 scenarios below depict the types of acknowledgement UOB will send upon receiving your payment file via FTS. Do inform your UOB contact immediately if the acknowledgement files are not returned within the expected response time given in section 4.1. Scenario 1: Payment File is received and accepted UTPI TXT.pgp Customer UTPI pgp UTPI010201_ACC.pgp UOB Page 15 of 24

16 Scenario 2: Payment File is received and rejected UTPI TXT.pgp Customer UTPI pgp UTPI010201_REJ.pgp UOB Scenario 3: Payment File is received and rejected due to duplication UTPI TXT.pgp Customer UTPI pgp UTPI010201_REJ.pgp UOB 4.3 Alert customer uploaded payment file to UOB UOB acknowledged payment file Customers can also request to receive these acknowledgements via alerts. Please liaise with your UOB contact if this is required. Page 16 of 24

17 Appendix 1 Payment Advice Payment Advice generated in the PDF file as shown below. It will be attached in the to the beneficiary. Page 17 of 24

18 The following table describes the print areas of the payment advice. PRINT AREA DESCRIPTION PAYMENT FILE MAPPING Top Left Area Top Right Area Center Area Bottom Area (Last Page) Mailing Name & Address Line (4 lines) Date Payer s Name (2 lines) Beneficiary ID Bank No Payment for the account of Amount Payment Advice Header (2 lines) Payment Advice Details (multiple lines) Disclaimer Section 2.3 field 10 Beneficiary Name and Address (Line 1) Section 2.3 field 13 Beneficiary Name and Address (Line 2) Section 2.3 field 14 Beneficiary Name and Address (Line 3) Section 2.3 field 15 Beneficiary Name and Address (Line 4) Section 2.3 field 5 Value Date Section 2.3 field 78 Payer s Name (line 1) Section 2.3 field 79 Payer s Name (line 2) Default to Company Name if above not provided. Section 2.3 field 74 Beneficiary ID TT reference number generated by the bank Section 2.3 field 80 Number Section 2.3 field 19 Beneficiary A/C No Masked by bank except last 3 digits. Section 2.3 field 3 Payment Currency Section 2.3 field 4 Payment Amount Section 2.2 field 3 Payment Advice Header Line 1 Section 2.2 field 4 Payment Advice Header Line 2 Section 2.4 field 3 Payment Advice Details Bank provides this on the last page of the payment advice. Page 18 of 24

19 Appendix 2 Remittance Information Clearing Code and / or Payment Details to Beneficiary may be required for TT Payments to some countries or in certain TT currencies and the omission may result in delays or rejections of the transaction from the beneficiary bank. Beneficiary Country Angolan Kwanza TT Currency AOA IBAN Required? Y Clearing Code (& Code Type) Additional Payment Details 6-digit BSB (AU) - Australia AUD Mandatory Bangladesh BDT Beneficiary bank s name and branch address Brunei BND Detailed Reason for Payment 9-digit DPRN (CC) Canada CAD Optional CNY or 12-digit CNAPS China Detailed Reason for Payment CNH (CN) Mandatory Any CNY or Detailed Reason for Payment Countries CNH Denmark DKK Y Egypt Countries in Europe India India EGP Any currency Any Currency, except INR INR Y 11-digit IFSC (IN) - Mandatory a) Beneficiary contact number in the payment details b) Detailed Reason for Payment Detailed Reason for Payment Detailed Reason for Payment Korea Any Currency Kuwaiti KWD Y Detailed Reason for Payment Malaysia Myanmar Any Countries Any Currency USD MXN New Zealand NZD Norway NOK Y Pakistan PKR Y 6-digit NZNCC (NZ) - Optional a) Beneficiary s contact number in payment details b) Detailed Reason for Payment a) Detailed Reason For payment b) Additional supporting documents may be requested to support the payment reason. a) Beneficiary's identification or passport number and Date of Birth b) Detailed Reason for Payment c) Detailed Reason for Payment d) The 18-digit CLABE account number for credit to all depository accounts in Mexico e) If the Beneficiary Bank is located outside of Mexico, to provide their MXN account number (with their appointed Mexican Correspondent Bank) along with their 11 character SWIFT BIC. a) Beneficiary's telephone no. in payment details b) Beneficiary's NTN in the payment details field, if the beneficiary is a Pakistani tax payer. (Payments to individuals or non-pakistani tax payers will not require an NTN.) Page 19 of 24

20 Beneficiary Country TT Currency IBAN Required? Clearing Code (& Code Type) Additional Payment Details c) A written purpose of payment and related Purpose Code (to be issued by the beneficiary) in the payment details field Saudi Arabia SAR Y Detailed Reason for Payment Sri Lanka LKR Detailed Reason for Payment Sweden SEK Y Switzerland CHF Y Taiwan Any Currency a) Beneficiary s contact number in the payment details b) Detailed Reason for Payment Thailand THB Detailed Reason for Payment United Arab Emirates (UAE) AED Y Detailed Reason for Payment United Kingdom United Kingdom United States Vietnam West African States CFA Franc BCEAO Central African States CFA Franc BEAC GBP Any Currency, except GBP USD Any Currency XOF XAF Y Y Y Y 6-digit SC (SC), mandatory if account number is not IBAN 9-digit FW (FW) or 4-digit CHIPS Participant code (CP) - Optional Detailed Reason For payment For further updates to the above list, please refer to the UOB website below. Appendix 3 ISO Country Codes Please refer to the ISO website below for more information. Page 20 of 24

21 Appendix 4 Hash Algorithm Check Summary Calculation is performed on the payment file excluding the File Control Header (i.e. record type 0). Depicted below is the high-level logic of the hash algorithm. The SUM is the final hashing value right justified with leading zeros and populated in Check Summary (section 2.1, field 6) Set HASH CODE index to 1. Set RECORD NUMBER to 1. Read first record. Loop1: Read next record If not (end of file) Increase Record Number by 1 Set COLUMN NUMBER to 1 (each record has 1800 characters including trailing spaces) If COLUMN NUMBER is within 1800 Loop2: Retrieve the character from the COLUMN NUMBER position of the record Translate the character to ASCII value (refer to ASCII Table) If HASH CODE index > 23 Reset HASH CODE index to 1 End if SUM = SUM + RECORD NUMBER + (RECORD NUMBER + COLUMN NUMBER) * ASCII value * Hash Code (refer to HASH CODE Table) Increase HASH CODE index by 1 Increase COLUMN NUMBER by 1 Go to Loop2 End if End if Go to Loop1 NOTE 1) Hashing calculation will start from RECORD NUMBER 2 as record type 0 in the first record will be skipped. 2) HASH CODE index will increment over to the next record number without reset to 1 e.g. if the HASH CODE index of the 1800 th column on record number 10 is 3, the hash code index of the 1 st column on record number 11 will be 4. 3) HASH CODE Table is used to retrieve the hash code based on the HASH CODE index. Index Hash Code Index Hash Code N.A 4) It is not advisable for the total number of records to exceed 30,000. Otherwise, the computed hashing might exceed the limit of 15 digits. Page 21 of 24

22 5) ASCII Table is used to retrieve the code based on each column of the file record. Page 22 of 24

23 Appendix 5 Value Date Payment instructions received by the cut-off times listed below will be processed within the same day by the bank. CHANNELS FTS/FILEACT BIBPLUS Client Cutoff time 2pm SGT 4pm SGT Processing Date and Value Date for payments received before Client Cutoff time - Processing Date: The day when UOB debits the applicant s account and sends the payment instruction to our correspondent bank. - Value Date: The day when our correspondent bank executes our payment instruction. (Value Date does not necessarily determine the day the beneficiary will receive the funds as UOB has no control when the beneficiary banks will credit the account) The following table shows the processing date and value date of the payment currencies. Currency Currency Description Processing Date Value Date SGD Singapore Dollar T T CAD Canadian Dollar T T EUR Euro T T GBP British Pound Sterling T T USD United States Dollar T T MYR Malaysian Ringgit T T TWD New Taiwan Dollar T T VND Vietnamese Dong T T KRW Korean Won T T HKD Hong Kong Dollar T T + 1 AUD Australian Dollar T T + 1 BND Brunei Dollar T T + 1 CHF Swiss Franc T T + 1 CNH* Chinese Yuan/Renminbi T T + 1 DKK Danish Krone T T + 1 JPY Japanese Yen T T + 1 NOK Norwegian Krone T T + 1 NZD New Zealand Dollar T T + 1 SEK Swedish Krona T T + 1 INR Indian Rupee T T + 2 IDR Indonesian Rupiah T T + 2 PHP Philippine Peso T T + 2 THB Thai Baht T T + 2 AED United Arab Emirates Dirham T T + 2 SAR Saudi Arabian Riyal T T + 2 ZAR South African Rand T T + 2 BDT Bangladeshi Taka T T + 2 Value Same Day Value TOM Value SPOT Page 23 of 24

24 Currency Currency Description Processing Date Value Date EGP Egyptian Pound T T + 2 KWD Kuwaiti Dinar T T + 2 LKR Sri Lankan Rupee T T + 2 MXN Mexican Peso T T + 2 PKR Pakistani Rupee T T + 2 AOA** Angolan Kwanza T T + 2 XAF** Central African CFA Franc T T + 2 XOF** West African CFA Franc T T + 2 * Not ISO currency, offshore currency code used by the bank. ** Currencies to take effective from 1-Mar Page 24 of 24