Service description IBAN Calculation for Account Numbers and Checking the Validity of Accounts

31.12.2017

The service is intended for calculating the IBAN number for accounts and checking the validity of account numbers. With the service, customers can convert domestic account numbers in their systems into the IBAN format and check the validity of their account numbers.

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Table of Contents 1 How the service works ...... 3 2 Record descriptions ...... 5 Batch record ...... 5 Transaction record ...... 6 Amount record ...... 7

Danske A/S, Finland Branch Registered domicile and address Helsinki, Televisiokatu 1, FI-00075 Business ID 1078693-2

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1 How the service works Service identifiers = IBAL (sending), IBAN (retrieval) Danske Bank offers services for calculating the IBAN identifier for account numbers and checking the validity of accounts. With the service, customers can convert account numbers in their systems into the IBAN format and check the validity of their IBAN account numbers. The bank performs the checks and generates feedback material according to the function selected by the customer. The calculation service is provided for the account numbers of the following involved in Finnish payment transmission:

BIC Financial Name of bank institution NDEAFIHH 1 and 2 Bank

31 Svenska HANDFIHH

33 Skandinaviska Enskilda Banken ESSEFIHX

34 Danske Bank A/S, Finland Branch DABAFIHH

36 Tapiola Bank TAPIFI22

37 DnB NOR Bank ASA DNBAFIHX

38 Finland SWEDFIHH

39 S-Bank SBANFIHH

4 Aktia plc, Savings Banks and HELSFIHH Local Cooperative Banks

5 Cooperative Banks OKOYFIHH

6 Ålandsbanken ABP AABAFI22

8 Danske Bank A/S, Finland Branch DABAFIHH

The customer sends the account number material to Danske Bank. The data content must follow the record format described below. Danske Bank checks that the account number sent by the customer is in the correct form and the check digit number is in accordance with the calculation rule for Finnish account numbers.

Danske Bank A/S, Finland Branch Registered domicile and address Helsinki, Televisiokatu 1, FI-00075 DANSKE BANK Business ID 1078693-2

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The bank calculates the IBAN account number and provides the account number BIC code for numbers with an incorrect check digit number For the account numbers’, the bank checks that the accounts are valid on the checking date. The bank does not check the correspondence between the account name in the customer's material and the account holder's name in the bank's register. The customer retrieves the feedback material from the bank and maintains the data in the own systems. The bank will not be responsible for the validity of accounts in other banks. If the feedback provided by the bank states that the account number is incorrect, the customer must request a new number from the account holder. The customer must always agree on the use of the service, testing and processing schedules separately with Danske Bank.

Danske Bank A/S, Finland Branch Registered domicile and address Helsinki, Televisiokatu 1, FI-00075 DANSKE BANK Business ID 1078693-2

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2 Record descriptions A file consists of the batch record, transaction records and sum-up record. The record length is 180 characters. Records are separated from each other using record separators. Each record ends with the carriage return and line feed characters. The record descriptions determine the field length and format. Numerical fields are filled using leading zeros. Alphanumeric fields are filled from the left-hand side of the field and, if required, the rest of the field is filled using spaces.

Batch record

The batch record contains the sending company's information and action code, with which the customer describes which function it wishes to use. The person whom the bank can contact if required is indicated as the contact person. In the feedback material, all of the batch record's information is returned unchanged.

Field Position Length and Mandatory Data Content format 1 1 1 (AN) P Record code ' N ' 2 2-31 30 (AN) P Company name 3 32-42 11 (AN) P Company’s business ID 4 43 1 (N) Action code 0=IBAN calculation 1=Validity check for IBAN accounts 5 44-56 14 (N) Reserve 6 57-96 40 (AN) Company's contact Name and phone number person 7 97-104 8 (N) File generation date YYYYMMDD 8 105-180 76 (AN) Used by the company For example, information for individualising the material. Total 180

Danske Bank A/S, Finland Branch Registered domicile and address Helsinki, Televisiokatu 1, FI-00075 DANSKE BANK Business ID 1078693-2

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Transaction record Transaction records contain the information about the accounts to be checked.

Field Position Length Mandatory Data Content and format 1 1 1 (AN) P Record code ' P ' 2 2-91 90 (AN) Company information Company's individualisation information 3 92-121 30 (AN) Account name data Name in the company's register 4 122-135 14 (N) P BBAN account number to The field contains the be checked in the domestic account number in a format electronic format when the batch record's action code is 0. The field contains zeros when the batch record's action code is 1. 5 136-170 35 (AN) IBAN account number The field is blank in the material sent to the bank when the batch record's action code is 0. The field contains the IBAN account number in a electronic format when the batch record's action code is 1. 6 171-178 8 (AN) BIC code The field is blank in the material sent to the bank when the batch record's action code is 0. The field contains the BIC code connected to the IBAN account number when the batch record's action code is 1. 7 179-179 1 (AN) Reserve 8 180 1 (AN) Notification code (0 or 1) The field is blank in the material sent to the bank. Total 180 The feedback updated by the bank includes: Information in fields 1–4 is in the original format in the feedback. Field 5 contains the IBAN account number calculated by the bank. Field 6 contains the BIC code connected to the IBAN account number. Field 8 contains the notification code. 0 = IBAN and BIC have been generated for the feedback. The validity of the bank's account has been checked. The other bank's account is in the correct format but its validity has not been checked. Danske Bank A/S, Finland Branch Registered domicile and address Helsinki, Televisiokatu 1, FI-00075 DANSKE BANK Business ID 1078693-2

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0 = The IBAN number and BIC code provided are in the correct format and the account is valid (validity check for IBAN accounts).

1 = IBAN and BIC have not been provided. The account is not valid or is in an incorrect format (IBAN calculation).

1 = The account is not valid or the IBAN account number/BIC code is in an incorrect format (IBAN calculation).

Amount record In the amount record, the customer indicates the number of transaction records sent. Fields 3–5 on the record are left blank.

Field Position Length Mandatory Data Content and format 1 1 1 (AN) P Record code ' S ' 2 2-7 6 (N) P Number of records The number of records to be checked 3 8-13 6 (N) The number of OK The number of accounts for records which IBAN and BIC can be provided (notification code = 0) 4 14-19 6 (N) The number of Non-OK The number of accounts for records which IBAN and BIC cannot be provided (notification code = 1) 5 20-27 8 (N) The date of generating YYYYMMDD feedback in the bank 6 28-180 153 (AN) Reserve Total 180 The feedback updated by the bank includes: Field 3 contains the number of transaction records with notification code 0. Field 4 contains the number of transaction records with notification code 1. Field 5 contains the date on which the feedback file has been generated in the bank. Application parameters The following application parameters are used when sending or retrieving materials.

APPLICATION=IBAL,ERA=KKPP01 (The batch number can be any number, e.g., 02, 03, 04, etc.) APPLICATION=IBAN,ERA=000000 (retrieval parameter)

Danske Bank A/S, Finland Branch Registered domicile and address Helsinki, Televisiokatu 1, FI-00075 DANSKE BANK Business ID 1078693-2