TREASURY MANAGEMENT

U.S. Bank Image Cash Letter

Companion Document to X9.100 - 187 2008 for Corporate Customers

Specifications for Electronic Submission of Check and Image Data

Effective September 2010

The information contained in this document is confidential and is not to be disclosed to any third party, nor disseminated, used, quoted or otherwise referred to for any purpose other than in connection with the internal evaluation of this product.

© 2010 U.S. Bancorp

There are no warranties extended or granted by this document or software material. The information contained herein is subject to change without notice. Revisions may be issued periodically to advise of such changes and/or additions.

Trademark Acknowledgments

Windows® is a registered trademark of Microsoft Corp. All other product names are properly capitalized and are trademarks of their respective companies.

U.S. Bank Image Cash Letter Table of Contents

Table of Contents About This Document...... 2 Purpose...... 2 File Format Changes ...... 2 Organization...... 2 Revision History...... 3 File Structure and Record Types...... 4 U.S. Bank Image Cash Letter X9.100-187 2008 File Hierarchy Diagram ...... 5 Data Types and Values ...... 6 Data Types...... 6 Special MICR Line Data Types...... 7 Mandatory and Conditional Fields ...... 7 Fill Data and User Fields ...... 7 (Type 01) File Header Record...... 8 (Type 10) Cash Letter Header Record...... 11 (Type 20) Bundle Header Record...... 13 (Type 25) Check Detail Record ...... 15 (Type 26) Check Detail Addendum A Record...... 19 (Type 28) Check Detail Addendum C Record...... 22 (Type 50) Image View Detail Record...... 25 (Type 52) Image View Data Record...... 29 (Type 61) Credit Record...... 34 (Type 70) Bundle Control Record ...... 37 (Type 90) Cash Letter Control Record ...... 39 (Type 99) File Control Record ...... 41 Glossary ...... 43

09/10 Page i This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter About This Document

About This Document

Purpose

The purpose of this document is to describe the U.S. Bank Image Cash Letter X9.100–187 2008 file format used to transfer check MICR line, associated check processing data, and check images to U.S. Bank. The U.S. Bank Image Cash Letter file format is based on the American National Standards Institute (ANSI) Universal Companion Document (UCD) Standard X9.100–187 2008 Specifications for Electronic Exchange of Check and Image Data. This companion document refers to and modifies the use of the UCD X9.100–187 2008 standard and identifies specific requirements for sending image cash letters to U.S. Bank. This document only defines the records and fields required by U.S. Bank and should be used in conjunction with the UCD X9.100–187 2008 standard. The UCD X9.100–187 2008 contains additional information regarding file format requirements, record format requirements and fields not addressed in this document. The UCD X9.100–187 2008 is copyrighted and can be purchased through several sources (http://www.ansi.org/).

File Format Changes

The U.S. Bank Image Cash Letter X9.100–187 2008 file format may be updated from time to time. U.S. Bank reserves the right to modify the file format as defined in this document to meet future needs.

Organization

This document is organized in sections based on mandatory record types in the U.S. Bank Image Cash Letter X9.100–187 2008 file format. Each section contains a table that defines the fields contained in the record as well as an example of the record.

09/10 Page 2 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter About This Document

The table headings are described below.

Heading Description Field Sequential field numbers Field Name Name of the field Description Description of the field Usage Identifies whether the field is mandatory or conditional: ƒ Mandatory (M) – field is required ƒ Conditional (C) – field is required under certain conditions or may be populated at the corporate customer’s discretion Position Starting and ending location of each field within the record Type Type of data used in the file format Validation Defines if the field will be validated for image exchange Criteria Comments Comments on the unique structure for a particular field, defined values, or allowable range of values

Information on the file structure, file hierarchy, data types and values, and a glossary are provided in this document. However, this document only defines the records and fields required by U.S. Bank, and it should be used in conjunction with the UCD X9.100–187 2008 standard.

Revision History Date Reason for Change(s) 4/2/10 Adoption of UCD X9.100-187 2008

09/10 Page 3 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter File Structure and Record Types

File Structure and Record Types

U.S. Bank utilizes the image cash letter file type, which consists of the electronic check presentment data file with front and back check images in a single, integrated binary file. The following record types are mandatory and must be provided in every image cash letter file transmitted to U.S. Bank for processing. 01 File Header Record 10 Cash Letter Header Record 20 Bundle Header Record 25 Check Detail Record 26 Check Detail Addendum A Record 28 Check Detail Addendum C record 50 Image View Detail Record 52 Image View Data Record 61 Credit Record 70 Bundle Control Record 90 Cash Letter Control Record 99 File Control Record A hierarchy diagram of the U.S. Bank Image Cash Letter X9.100-187 2008 file, containing mandatory and conditional records, is included on the following page.

09/10 Page 4 U.S. Bank Image Cash Letter File Structure and Record Types

U.S. Bank Image Cash Letter X9.100-187 2008 File Hierarchy Diagram

09/10 Page 5 U.S. Bank Image Cash Letter Data Types and Values

Data Types and Values

Data Types

The following names, symbols, and descriptions describe the type of data used in the U.S. Bank Image Cash Letter file format. In most cases, the record definitions are presented directly from the ANSI Uniform Companion Document (UCD) Standard X9.100–187 2008 Specifications for Electronic Exchange of Check and Image Data document. Where necessary, the standard has either been further restricted or enhanced to describe specific needs and requirements for sending image cash letters to U.S. Bank.

Name Symbol Description Alphabetic A ƒ The upper case letters A through Z, the lower case letters a through z, and the blank (space) character. ƒ The fields are not case sensitive. Numeric N The numbers zero (0) through nine (9). Blank B Defined in EBCDIC with the hexadecimal value ‘40’; also referred to as a space. Special S Any printable characters with an EBCDIC hexadecimal value greater than ‘3F’ that are neither characters alphabetic, nor numeric, nor blank. Occurrences of values EBCDIC ‘00’ – ‘3F’ are not valid. Alphanumeric AN Any alphabetic or numeric characters. Alphanumeric/ ANS Any alphabetic, numeric, or special characters. special Numeric/blank NB Any numeric characters or the blank character. Numeric/special NS Any numeric characters or special characters. Binary ƒ Composed of a sequence of bytes where each byte ranges in value from binary 00000000 to 11111111 (8-bit encoding). ƒ The syntax, semantics, and number of bytes in the string are specified in the standard for each occurrence of the binary data type.

09/10 Page 6 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter Data Types and Values

Special MICR Line Data Types

The MICR symbols for numbers are represented by the numeric values zero (0) through nine (9). Since the MICR symbols for delineation of data on the MICR line do not have any graphic equivalents, certain special characters are used to interpret these MICR symbols.

Name Symbol Description Asterisk * Used to represent the presence of MICR when the processing system cannot interpret the MICR as a specific valid MICR character. Dash - Used to represent the presence of the MICR symbol for a dash. Forward slash / Used to represent the presence of the MICR symbol for ‘On-Us.’ Numericblank/ NBSM Any numeric characters, blank character, or asterisk character. special MICR Numericblank/ NBSMOS Any numeric characters, blank character, asterisk character, dash character, or slash character. special MICR On-Us

Mandatory and Conditional Fields Name Symbol Description Mandatory M The field is required by U.S. Bank. Conditional C ƒ The field is required under certain conditions or may be populated at the customer’s discretion. ƒ Conditional fields that are not used must be filled with blanks. ƒ Conditional field rows are shaded in gray.

Fill Data and User Fields Name Description Fill data ƒ Fill data are any characters used to fill up unused bytes in a field. ƒ Fill characters are blanks or zeros. User fields Most records of the file include user fields, which may be used at the customer’s discretion.

09/10 Page 7 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter (Type 01) File Header Record

(Type 01) File Header Record

The file header record is mandatory and contains 14 fields. It is the first record of the file. If a Corresponding File Control Record (Type 99) is not present as the last record in this file, the file will be rejected. The data in the fields are created by the customer sending the file.

Fields listed with Number and Name only shall be formatted per the X9.100-187 2008 standard. Note: Except for the column heading row, shaded rows in the table below are conditional (i.e., field is required under certain conditions or may be populated at financial institution’s discretion).

Field Field Name Description Usage Position Type Validation Comments Criteria 1 Record Type A code that identifies the type of M 01 – 02 N Required ‘01’ record. 2 Standard Level A code that identifies the version of M 03 – 04 N Required ‘03’ indicates the ANSI standard used to create the X9.100-187 2008 file. 3 Test File A code indicating whether the file M 05 – 05 A Required ‘T’ (Test files) Indicator being transmitted is a test file or a ‘P’ (Production production file. files) 4 Immediate A number that identifies U.S. Bank as M 06 – 14 N Required Provided by Destination the institution that receives the file. U.S. Bank Routing Number 5 Immediate A number that identifies the M 15 – 23 N Required Provided by Origin Routing company/institution that originates U.S. Bank Number the file. 6 File Creation The year, month, and day that the M 24 – 31 N Required YYYYMMDD Date immediate origin company/ institution creates the file.

09/10 Page 8 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter (Type 01) File Header Record

Field Field Name Description Usage Position Type Validation Comments Criteria 7 File Creation The time the immediate origin M 32 – 35 N Required HHMM Time company/institution creates the file. 8 Resend A code that indicates whether the file M 36 – 36 A Required Must be ‘N’ Indicator has been previously transmitted in its entirety. 9 Immediate The short name that identifies the C 37 – 54 AN None U.S. Bank Destination institution receiving the file. Name 10 Immediate The short name that identifies the C 55 – 72 AN Required if present Name of your Origin Name company/institution sending the file. company 11 File ID Modifier A code that permits multiple files, M 73 – 73 AN Required if present Lower case letters created on the same date, same time are NOT valid and between the same company/institutions, to be distinguished from one another. 12 Country Code A code that identifies the country in C 74 – 75 A None which the payor bank is located. 13 User Field A field used at the discretion of users M 76 – 79 ANS Required for Value = “CR61” if of the standard. Corporate Image a Type 61 record is Cash Letter with present in the cash Type 61 Credit letter Record C None for Correspondent Banks and Corporate Image Cash Letter without Type 61 Credit RecordNone

09/10 Page 9 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter (Type 01) File Header Record

Field Field Name Description Usage Position Type Validation Comments Criteria 14 Companion A field that indicates the version of C 80 – 80 AN Required if present Should have value Document the Universal Companion Document of ‘1’ Version for the standard level stated in field 2 Indicator of this record.

Example:

Ruler: 1 2 3 4 5 6 7 8 12345678901234567890123456789012345678901234567890123456789012345678901234567890 Sample: 01 - File Header Record 0101P042000013900102008200605092355NUS Bank NY CLEARING HOUSEA CR61

09/10 Page 10 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter (Type 10) Cash Letter Header Record

(Type 10) Cash Letter Header Record

The Cash Letter Header Record is mandatory and contains 15 fields. It follows a File Header Record (Type 01) unless a file contains multiple cash letters. The Cash Letter Header Record then follows a Cash Letter Control Record (Type 90). If a Type 90 record is not present, the file will be rejected. The data in the fields are created by the customer. Note: Except for the column heading row, shaded rows in the table below are conditional (i.e., field is required under certain conditions or may be populated at financial institution’s discretion).

Field Field Name Description Usage Position Type Validation Comments Criteria 1 Record Type A code that identifies the type of M 01 – 02 N Required ‘10’ record. 2 Collection Type A code that identifies the type of cash M 03 – 04 N Required Only valid values: ‘01’ Indicator letter. (forward), ‘03’ (returns) 3 Destination A number that identifies the M 05 – 13 N Required Provided by U.S. Bank Routing institution that receives and processes Number the cash letter or bundle. 4 ECE Institution A number that identifies the M 14 – 22 N Required Provided by U.S. Bank Routing company/institution that creates the Number Cash Letter Header Record. 5 Cash Letter The year, month, and day designate M 23 – 30 N Required YYYYMMDD Business Date the business date of the cash letter. 6 Cash Letter The year, month, and day that the M 31 – 38 N Required YYYYMMDD Creation Date cash letter is created. 7 Cash Letter The time the cash letter is created. M 39 – 42 N Required HHMM Creation Time 8 Cash Letter A code that indicates the presence of M 43 – 43 A Required ‘I’ (Cash letter contains Record Type records or the type of records electronic check records Indicator contained in the cash letter. and image records)

09/10 Page 11 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter (Type 10) Cash Letter Header Record

Field Field Name Description Usage Position Type Validation Comments Criteria 9 Cash Letter A code that indicates the type of M 44 – 44 AN Required ‘G’ is the only valid Documentation documentation that supports all check value (Image included, Type Indicator records in the cash letter. no paper provided) 10 Cash Letter ID A code that identifies the cash letter, M 45 – 52 AN Required assigned by the company/institution that creates the cash letter. 11 Originator A contact at the company/ institution C 53 – 66 ANS None Contact Name that creates the cash letter. 12 Originator The phone number of the contact at C 67 – 76 N None Contact Phone the company/institution that creates Number the cash letter. 13 Fed Work Type A code that specifies the Federal C 77 – 77 AN None Reserve work type. 14 Returns A field that identifies the check image M 78 – 78 A Required if ‘R’ is the only valid Indicator as a return. present value 15 User field A field used at the discretion of users C 79 – 79 ANS None of the standard. 16 Reserved A field reserved for future use by the M 80-80 B None Accredited Standards Committee X9.

Example:

Ruler: 1 2 3 4 5 6 7 8 12345678901234567890123456789012345678901234567890123456789012345678901234567890 Sample: 10 - Cashletter Header Record 100109109999409109999920060509200605092354IN23544482ABC BANK

09/10 Page 12 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter (Type 20) Bundle Header Record

(Type 20) Bundle Header Record

The Bundle Header Record is mandatory and contains 12 fields. It follows a Cash Letter Header Record (Type 10) unless the cash letter contains multiple bundles. The Bundle Header Record then follows a Bundle Control Record (Type 70). The data in the fields are created by the customer. Note: Except for the column heading row, shaded rows in the table below are conditional (i.e., field is required under certain conditions or may be populated at financial institution’s discretion).

Field Field Name Description Usage Position Type Validation Comments Criteria 1 Record Type A code that identifies the type of M 01 – 02 N Required ‘20’ record. 2 Collection Type A code that identifies the type of M 03 – 04 N Required Only valid values: Indicator bundle. ‘01’ (forward), ‘03’ (returns) 3 Destination A number that identifies the M 05 – 13 N Required Provided by Routing Number institution receiving and processing U.S. Bank the cash letter or bundle. 4 ECE Institution A number that identifies the M 14 – 22 N Required Provided by Routing Number company/institution creating the U.S. Bank Bundle Header Record. 5 Bundle Business The year, month, and day designate M 23 – 30 N Required YYYYMMDD Date the business date of the bundle. 6 Bundle Creation The year, month, and day that the M 31 – 38 N Required YYYYMMDD Date bundle is created. 7 Bundle ID A number that identifies the bundle, C 39 – 48 AN Required if Must be unique assigned by the company/institution present within a Cash Letter creating the bundle. business date

09/10 Page 13 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter (Type 20) Bundle Header Record

Field Field Name Description Usage Position Type Validation Comments Criteria 8 Bundle Sequence A number assigned by the C 49 – 52 NB Required if Combination of Number company/institution that creates the present Bundle ID (Field 7) bundle, denoting the relative position and Bundle Sequence of the bundle within the cash letter. Number (Field 8). Must be unique within the cash letter. 9 Cycle Number A code assigned by the C 53 – 54 AN None company/institution that creates the bundle, denoting the cycle under which the bundle is created. 10 Return Location A routing number specified by the C 55 – 63 N None Routing Number company/institution that creates the bundle, indicating the location to which returns, final return notifications and preliminary return notifications should be sent. 11 User Field A field used at the discretion of users C 64 – 68 ANS None of the standard. 12 Reserved A field reserved for future use by the M 69 – 80 B None Blank Accredited Standards Committee X9.

Example:

Ruler: 1 2 3 4 5 6 7 8 12345678901234567890123456789012345678901234567890123456789012345678901234567890 Sample: 20 - Bundle Header Record 200109109999409109999920060509200605093835212100000102091099999

09/10 Page 14 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter (Type 25) Check Detail Record

(Type 25) Check Detail Record

The Check Detail Record is mandatory and contains 15 fields. One Check Detail Record shall be sent for each check. It follows a Bundle Header Record (Type 20), another check Detail Record, or a Check Detail Addendum A Record (Type 26). The data in Fields 2 through 7 represent the check MICR line; the order of these fields is the order that they physically appear on the check (See ANS X9.13 for MICR data placement). The data in the fields are created by the customer. Note: Except for the column heading row, shaded rows in the table below are conditional (i.e., field is required under certain conditions or may be populated at financial institution’s discretion).

Field Field Name Description Usage Position Type Validation Comments Criteria 1 Record Type A code that identifies the record type. M 01 – 02 N Required ‘25’ 2 Auxiliary On-Us A code used on commercial checks at C 03 – 17 NBSM Required if Mandatory if present the discretion of the payor bank. present on the MICR line. On-Us symbols on the MICR line shall not be included. Dashes must be retained. 3 External A code used for special purposes as C 18 – 18 NS Required if Mandatory if present Processing Code authorized by the Accredited present on the MICR line. Standards Committee X9 (also known The only valid as Position 44). values, if present, are ‘0 – 9’ and ‘*’ 4 Payor Bank The routing number that identifies the M 19 – 26 N Required Routing Number institution by or through which the item is payable. 5 Payor Bank A digit used with a modular check M 27 – 27 N Required Routing Number digit routine to validate the Routing Check Digit Number.

09/10 Page 15 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter (Type 25) Check Detail Record

Field Field Name Description Usage Position Type Validation Comments Criteria 6 On-Us Data specified by the payor bank. On- M 28 – 47 NBSM Required if Must mirror MICR Us data usually consists of the OS present activity as on the payor’s account number, a serial original source paper number or transaction code, or both. check Must place the On- Us Field from the physical check into the On-Us Field of the file intact and in the same sequence as it appears on the physical check Blanks must be suppressed Dashes must be retained On-Us symbols must be translated to forward slash (‘/’) 7 Item Amount U.S. dollar value of the check. M 48 – 57 N Required 8 ECE Institution A number assigned by the M 58 – 72 NB Required Item Sequence company/institution that creates the Number Check Detail Record. 9 Documentation A code that indicates the type of M 73 – 73 AN Required ‘G’ (Image included, Type Indicator documentation that supports the no paper provided) check record. 10 Return A code that indicates whether the M 74 – 74 AN Required ‘0’ (Will not accept Acceptance company/institution that creates the any electronic Indicator Check Detail Record will or will not information) support electronic return processing.

09/10 Page 16 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter (Type 25) Check Detail Record

Field Field Name Description Usage Position Type Validation Comments Criteria 11 MICR Valid A code that indicates whether any C 75 – 75 N None ‘1’ (Good read) Indicator character in the MICR line is Deposits to U.S. unreadable or the On-Us field is Bank require missing from the Check Detail complete readability Record. in all MICR line fields 12 BOFD Indicator A code that indicates whether the M 76 – 76 A Required ‘Y’ (ECE institution ECE institution indicated on the is BOFD) Bundle Header Record (Type 20) is ‘N’ (ECE institution the BOFD. is not BOFD) 13 Check Detail The number of Check Detail Record M 77 – 78 N Required Value must represent Record Addenda to follow. sum of the number of Addendum Count Type 26, Type 27, and Type 28 records and must be > ‘0’ (0 to 99). Must match the number of addendum records included. 14 Correction An indicator to identify whether and M 79 – 79 N None ‘0’ (No Repair) Indicator how the MICR line was repaired, for ‘1’ (Repaired) fields other than Payor Bank Routing Number and Amount. ‘2’ (Repaired without Operator intervention) ‘3’ (Repaired with Operator intervention) ‘4’ (Undetermined)

09/10 Page 17 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter (Type 25) Check Detail Record

Field Field Name Description Usage Position Type Validation Comments Criteria 15 Archive Type A code that indicates the type of C 80 – 80 AN None Indicator archive that supports this Check Detail Record.

Example:

Ruler: 1 2 3 4 5 6 7 8 12345678901234567890123456789012345678901234567890123456789012345678901234567890 Sample: 25 - Check Detail Record 25 042000013 006270813/66200000007317 003910330703A81Y01

09/10 Page 18 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter (Type 26) Check Detail Addendum A Record

(Type 26) Check Detail Addendum A Record

The Check Detail Addendum A Record is mandatory and contains 13 fields. More than one Check Detail Addendum A Record is permitted for a Check Detail Record (Type 25) as long as it always follows its immediately preceding Check Detail Record (Type 25) or another Check Detail Addendum A Record.

There are important and specific endorsement rules mandated by the Uniform Commercial Code and Regulation CC for the parties handling a check in order to provide traceability back to the BOFD. The endorsement chain indicating the BOFD and intermediary financial institutions handling the item must be preserved.

There are two ways endorsements are carried in the X9.100-187 2008 standard. When a check is imaged, the physical endorsements printed or sprayed on the check prior to imaging will be captured in the image contained in the Image View Data Record (Type 52) as the physical endorsement. In addition the Check Detail Addendum A Record (Type 26) and Check Detail Addendum C Record (Type 28) include fields for electronic endorsement information. Note: Except for the column heading row, shaded rows in the table below are conditional (i.e., field is required under certain conditions or may be populated at financial institution’s discretion).

Field Field Name Description Usage Position Type Validation Comments Criteria 1 Record Type A code that identifies the type of M 01 – 02 N Required ‘26’ record. 2 Check Detail This field contains the number M 03 – 03 N Required The order may not Addendum A representing the chronological represent the physical Record Number order in which each Check Detail endorsement order Addendum A Record was created. Check Detail Addendum A Records must be in sequential order according to this field (i.e., first record should begin with 1, then 2, and so on)

09/10 Page 19 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter (Type 26) Check Detail Addendum A Record

Field Field Name Description Usage Position Type Validation Comments Criteria 3 Bank of First A number that identifies the M 04 – 12 N Required Provided by U.S. Bank Deposit (BOFD) BOFD. (only for corporate ICL Routing Number customers) 4 BOFD Business The year, month, and day in the M 13 – 20 N Required YYYYMMDD (Endorsement) endorsement that designate the Date business date at the BOFD. 5 BOFD Item A number that identifies the item M 21 – 35 NB Required Sequence Number at the BOFD. 6 Deposit Account A number that identifies the C 36 – 53 ANS None Right justified Number at BOFD depository account at the BOFD. Blank filled 7 BOFD Deposit A code that identifies the branch at C 54 – 58 ANS None Branch the BOFD. 8 Payee Name The name of the payee from the C 59 – 73 ANS None check. 9 Truncation An indicator to identify if this M 74 – 74 A Required Value is always ‘Y’ Indicator BOFD is the truncator of the original check. 10 BOFD A code that indicates the C 75 – 75 AN None Conversion conversion within the processing Indicator institution between original paper check, image and IRD. The indicator is specific to the action of this BOFD endorser. 11 BOFD Correction An indicator to identify whether C 76 – 76 N None Indicator and how the MICR line was repaired by the BOFD for fields other than Payor Bank Routing Number and Amount. 12 User Field A field used at the discretion of C 77 – 77 ANS None users of the standard. 09/10 Page 20 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter (Type 26) Check Detail Addendum A Record

Field Field Name Description Usage Position Type Validation Comments Criteria 13 Reserved A field reserved for future use by M 78 – 80 B None Blank the Accredited Standards Committee X9.

Example:

Ruler: 1 2 3 4 5 6 7 8 12345678901234567890123456789012345678901234567890123456789012345678901234567890 Sample: 26 - Check Detail Addendum A Record xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

09/10 Page 21 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter (Type 28) Check Detail Addendum C Record

(Type 28) Check Detail Addendum C Record

The Check Detail Addendum C Record is conditional and contains 11 fields. It must be present unless omitted under clearing arrangements. This record follows its immediately preceding Check Detail Record (Type 25) or follows a Check Detail Addendum A Record (Type 26). Multiple Check Detail Addendum C Records are permitted for a Check Detail Record (Type 25).

There are important and specific endorsement rules mandated by the Uniform Commercial Code and Regulation CC for the parties handling a check in order to provide traceability back to the BOFD. The endorsement chain indicating the BOFD and intermediary financial institutions handling the item must be preserved. Subsequent collecting or returning banks are required to protect the identifiably and legibility of the depositary bank and include its own nine-digit routing number (without arrows), the endorsement date and an optional trace/sequence number.

There are two ways endorsements are carried in the X9.100-187 2008 standard. When a check is imaged, the physical endorsements printed and/or sprayed on the check prior to imaging will be captured in the image contained in the Image View Data Record (Type 52) as the physical endorsement. In addition the Check Detail Addendum A Record (Type 26) and Check Detail Addendum C Record (Type 28) include fields for electronic endorsement information. Note: Except for the column heading row, shaded rows in the table below are conditional (i.e., field is required under certain conditions or may be populated at financial institution’s discretion).

Field Field Name Description Usage Position Type Validation Comments Criteria 1 Record Type A code that identifies the type of M 01 – 02 N Required ‘28’ record. 2 Check Detail This field contains the number M 03 – 04 N Required The order may not Addendum C representing the chronological represent the physical Record Number order in which each Check Detail endorsement order. The Addendum C Record was created. Check Detail Addendum C Records shall be in sequential order according to this field (i.e., first record should begin with 1, then 2, and so on).

09/10 Page 22 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter (Type 28) Check Detail Addendum C Record

Field Field Name Description Usage Position Type Validation Comments Criteria 3 Endorsing Bank A number that identifies the bank M 05 – 13 N Required Routing that endorsed the check. Number 4 Endorsing Bank The year, month, and day in the M 14 – 21 N Required YYYYMMDD Endorsement endorsement that designate the Date business date at the endorsing bank. 5 Endorsing Bank A number that identifies the item M 22 – 36 NB Required Item Sequence at the endorsing bank. Number 6 Truncation An indicator to identify if this M 37 – 37 A Required ‘Y’ (Endorsing Indicator endorsing institution is the institution truncated the truncator of the original check. original check) ‘N’ (Endorsing institution did not truncate the original check) 7 Endorsing Bank A code that indicates the M 38 – 38 AN None '1' (Original paper Conversion conversion within the processing converted to IRD) Indicator institution between original paper '2' (Original paper check, image and IRD. The converted to image) indicator is specific to the action of this endorser. '5' (Image converted to an IRD) '7' (Did not convert image) '8' (Undetermined) 8 Endorsing Bank An indicator to identify whether C 38 – 39 N None Correction and how the endorsing bank Indicator repaired the MICR line.

09/10 Page 23 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter (Type 28) Check Detail Addendum C Record

Field Field Name Description Usage Position Type Validation Comments Criteria 9 Return Reason A code that indicates the reason C 40 – 40 AN Required if Refer to Annex B in for non-payment. present X9.100 – 187 2008 for valid Return Reason Codes 10 User Field A field used at the discretion of C 41 – 59 ANS None users of the standard. 11 Endorsing Bank A code identifying the endorsing C 60 - 60 N Required if Identifier bank present 12 Reserved A field reserved for future use by M 61 – 80 B None Blank the Accredited Standards Committee X9.

Example:

Ruler: 1 2 3 4 5 6 7 8 12345678901234567890123456789012345678901234567890123456789012345678901234567890 Sample: 28 - Check Detail Addendum C Record 280109130002320060515008890127721 N00

09/10 Page 24 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter (Type 50) Image View Detail Record

(Type 50) Image View Detail Record

The Image View Detail Record is mandatory and contains 17 fields. In a forward presentment bundle, this record follows its immediately preceding Check Detail Record (Type 25) or follows a Check Detail Addendum A Record (Type 26). The Image View Detail Record is one of two records (Type 50 and Type 52) that shall be used together to convey an image view associated with the related Check Record Detail (Type 25). Note: Except for the column heading row, shaded rows in the table below are conditional (i.e., field is required under certain conditions or may be populated at financial institution’s discretion).

Field Field Name Description Usage Position Type Validation Comments Criteria 1 Record Type A code that identifies the type of M 01 – 02 N Required ‘50’ record. 2 Image Indicator A code that indicates the presence M 03 – 03 N Required Value should always be and disposition of an image view ‘1’ conveyed in the related Image (Image view present, View Data Record (Type 52). actual check) 3 Image Creator The routing number of the M 04 – 12 N Required Provided by U.S. Bank Routing Number company/institution that created the image view in the related Image View Data Record (Type 52) Image Data (Field 19). 4 Image Creator Date assigned by the image creator M 13 – 20 N None YYYYMMDD Date for the image view conveyed in the related Image View Data Record (Type 52) Image Data (Field 19). 5 Image View A code that identifies the type of C 21 – 22 N Required ‘00’ Format Indicator image format used in the related (TIFF 6 Black & Image View Data Record (Type 52) White/Black & White) Image Data (Field 19).

09/08 Page 25 U.S. Bank Image Cash Letter (Type 50) Image View Detail Record

Field Field Name Description Usage Position Type Validation Comments Criteria 6 Image View A code that identifies the algorithm M 23 – 24 N Required ‘00’ Compression or method used to compress the (Group 4 facsimile Algorithm Image Data in the related Image compression (ITU-T Identifier View Data Record (Type 52) Image Rec. T .563/CCITT Rec. Data (Field 19). T.6)) 7 Image View Data The total number of bytes in the C 25 – 31 N Required 1– 9999999 Size related Image View Data Record If Image View Data Size (Type 52) Image Data (Field 19). is greater than 9,999,999 then Image Indicator Defined Value will equal ‘0’ 8 View Side A code that indicates the image M 32 – 32 N Required ‘0’ (Front image view) Indicator view conveyed in the related Image ‘1’ (Rear image view) View Data Record (Type 52) Image Data (Field 19). 9 View Descriptor A code that indicates the nature of M 33 – 34 N Required The only valid value for the image view conveyed by the primary views is ‘00’ Image Data (Field 19) Image View Data Record (Type 52). 10 Digital Signature A code that indicates the presence C 35 – 35 N Required if ‘0’ Indicator or absence of a digital signature for present (Digital Signature is not the image view contained in the present) related Image View Data Record (Type 52) Image Data (Field 19). 11 Digital Signature A code that identifies the C 36 – 37 N None Method cryptographic algorithm used to generate and validate the Digital Signature in the related Image View Data Record (Type 52) Digital Signature (Field 17).

09/08 Page 26 U.S. Bank Image Cash Letter (Type 50) Image View Detail Record

Field Field Name Description Usage Position Type Validation Comments Criteria 12 Security Key The length in bits of the C 38 – 42 N Required if Size cryptographic algorithm key used present to create the Digital Signature in the related Image View Data Record (Type 52) Digital Signature (Field 17). 13 Start of Protected A number that represents the offset C 43 – 49 N Required if Data in bytes from the first byte (counted present as byte 1) of the image data in the related Image View Data Record (Type 52) Image Data (Field 19) to the first byte of the image data protected by the digital signature. 14 Length of The number of contiguous bytes of C 50 – 56 N Required if Protected Data image data in the related Image present View Data Record (Type 52) Image Data (Field 19) protected by the digital signature starting with the byte indicated by the value of the Start of Protected Data in this Image View Detail Record. 15 Image Recreate A code that indicates whether the C 57 – 57 N None Indicator sender has the ability to recreate the image view conveyed in the related Image View Data Record (Type 52) Image Data (Field 19). 16 User Field A field used at the discretion of C 58 – 65 ANS None users of the standard.

09/08 Page 27 U.S. Bank Image Cash Letter (Type 50) Image View Detail Record

Field Field Name Description Usage Position Type Validation Comments Criteria 17 Image TIFF Indicates variance of image view C 66-66 N None Defined values that vary Variance from TIFF standards in X9.100 – from X9.100 – 187 Indicator 187 2008 file format 2008: “” Bank, image variance unknown. “0” no variance. Additional values are defined in X9.100 – 187 2008. 18 Override Indicates a processing override of a C 67-67 AN None Defined values that vary Indicator potential image failure from X9.100 – 187 2008: “ “ Blank, no override information for this view or not applicable. “0” indicates no observed image test failure present. Additional values are defined in X9.100 – 187 2008. 19 Reserved A field reserved for future use by M 68 – 80 B None Blank the Accredited Standards Committee X9.

Example:

Ruler: 1 2 3 4 5 6 7 8 12345678901234567890123456789012345678901234567890123456789012345678901234567890 Sample: 50 - Image View Detail Record 50100000000020060516000000092760000 1

09/08 Page 28 U.S. Bank Image Cash Letter (Type 52) Image View Data Record

(Type 52) Image View Data Record

The Image View Data Record is mandatory and contains 19 fields. This record follows its immediately preceding Image View Detail Record (Type 50). The Image View Data Record is one of two records (Type 50 and Type 52) used together to convey an image view associated with the related Check Detail Record (Type 25). If an Image View Detail Record (Type 50) is present, then an Image View Data Record will be present. Note: Except for the column heading row, shaded rows in the table below are conditional (i.e., field is required under certain conditions or may be populated at financial institution’s discretion).

Field Field Name Description Usage Position Type Validation Comments Criteria 1 Record Type A code that identifies the type of M 01 – 02 N Required ‘52’ record. Item Reference Key 2 ECE Institution A number that identifies the M 03 – 11 N Required Provided by U.S. Bank Routing company/institution that creates the Number bundle header record. This number is imported from the Bundle Header Record associated with the image view conveyed in this Image View Data Record. 3 Bundle The year, month, and day that M 12 – 19 N Required YYYYMMDD Business Date designate the business date of the bundle. This number is imported from the Bundle Header Record associated with the image view conveyed in this Image View Data Record.

09/10 Page 29 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter (Type 52) Image View Data Record

Field Field Name Description Usage Position Type Validation Comments Criteria 4 Cycle Number A code assigned by the C 20 – 21 AN None company/institution that creates the bundle, denoting the cycle under which the bundle is created. This number is imported from the Bundle Header Record associated with the image view conveyed in this Image View Data Record. 5 ECE Institution A number assigned by the M 22 – 36 NB Required Item Sequence company/institution that creates the Number Check Detail Record (Type 25). This number is imported from the Check Detail Record associated with the image view conveyed in this Image View Data Record. The ECE company/institution must construct the sequence number to guarantee uniqueness for a given routing number, business day, and cycle number. Additional Security Information 6 Security Unique designation of the entity C 37 – 52 ANS None Originator that creates the Digital Signature Name for data to be exchanged. 7 Security Unique designation of the entity C 53 – 68 ANS None Authenticator that performs authentication on Name received data.

09/10 Page 30 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter (Type 52) Image View Data Record

Field Field Name Description Usage Position Type Validation Comments Criteria 8 Security Key A name or character sequence used C 69 – 84 ANS None Name by the signer (originator) to communicate a key identifier to the recipient (authenticator) so the recipient can obtain the key needed to validate the signature. Clipping Information 9 Clipping A code that defines the corner of M 85 – 85 NB Required ‘0’ Origin the conveyed image view that is (Clipping information not taken as the reference point for the present) clipping coordinates. 10 Clipping A number that represents the C 86 – 89 N None Coordinate h1 horizontal offset in pixels from the clipping origin to the nearest vertical side of the clipping rectangle. 11 Clipping A number that represents the C 90 – 93 N None Coordinate h2 horizontal offset in pixels from the clipping origin to the furthermost vertical side of the clipping rectangle. 12 Clipping A number that represents the C 94 – 97 N None Coordinate v1 vertical offset in pixels from the clipping origin to the nearest horizontal side of the clipping rectangle. 13 Clipping A number that represents the C 98 – 101 N None Coordinate v2 vertical offset in pixels from the clipping origin to the furthermost horizontal side of the clipping rectangle.

09/10 Page 31 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter (Type 52) Image View Data Record

Field Field Name Description Usage Position Type Validation Comments Criteria Image Reference Key 14 Length of The number of characters in the M 102 – 105 NB Required ‘0’ Image Image Reference Key (Field 15) in Image Reference Key Reference Key this Image View Data Record. (Field 15) is not present 15 Image A designator assigned by the ECE C 106 - ANS None Reference Key company/institution that creates the (105+X) Check Detail, Return and Image View Records. Binary Data Information 16 Length of The number of bytes in the Digital M (106 +X) - NB Required ‘0’ Digital Signature field (Field 17) in this (110+X) (Digital Signature field not Signature Image View Data Record. present) 17 Digital The Digital Signature created by C (111+X) - Binary None Variable Length (Y) Signature applying the cryptographic (110+X+Y) algorithm and private/secret key against the data to be protected. 18 Length of The number of bytes in the Image M (111+X+Y) NB Required 1 through 9999999 Image Data Data field (Field 19) in this Image - View Data Record. (117+X+Y)

09/10 Page 32 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter (Type 52) Image View Data Record

Field Field Name Description Usage Position Type Validation Comments Criteria 19 Image Data The Image Data field contains the M (118+X+Y) Binary Required Variable length image view. The Image Data - (Z) generally consists of an image (117+X+Y+ header and the image raster data. Z) The image header provides information that is required to interpret the image raster data. The image raster data contains the scanned image of the physical item in raster (line by line) format. Each scan line comprises a set of concatenated pixels. The image comprises a set of scan lines. The image raster data is typically compressed to reduce the number of bytes needed to transmit and store the image.

Example:

Ruler: 1 2 3 4 5 6 7 8 12345678901234567890123456789012345678901234567890123456789012345678901234567890 Sample: 52 - Image View Data Record 520000000002006051603 008890124653

09/10 Page 33 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter (Type 61) Credit Record

(Type 61) Credit Record

The Credit Record is Conditional and contains 12 fields. It occurs between a Cash Letter Header (Type 10) and the Type 20 Bundle Header Record or may be present inside the Type 20 Bundle Header Record and precede the Type 25 Check Detail Record. There can be multiple Type 61 records within a file. Each 61 record (or record set) must be offset by 1 or more Type 25 records which must follow the Type 61 record in the same cash letter. The data in the fields are created by the customer. Note: Except for the column heading row, shaded rows in the table below are conditional (i.e., field is required under certain conditions or may be populated at financial institution’s discretion).

Field Field Name Description Usage Position Type Validation Comments Criteria 1 Record Type A code that identifies the type M 01 – 02 N Required ‘61’ of record. 2 Auxillary On- Code used on commercial C 03 – 17 NBSM+D Required if present. Serial Number Us checks at the discretion of the from settlement Should not This field can also be payor bank. configuration contain forward left blank at or back slashes customer’s discretion 3 External A code used for special C 18 ANS None Processing purposes as authorized by the Code AS Committee X9. 4 Payor Bank A number that identifies the M 19 – 27 N Required Routing number Routing institution by or through from settlement Number which the item is payable. configuration

09/10 Page 34 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter (Type 61) Credit Record

Field Field Name Description Usage Position Type Validation Comments Criteria 5 Credit Account Data specified by the payor M 28 – 47 NBSMOS Required Depository Number On-Us bank. Usually an account account number number, serial number or (12 digits), transaction code or both. trailing slash ‘/’ (1 position), followed by blank spaces (7 spaces). For example, ‘123456789123/ ‘ 6 Item Amount Amount of the credit in U.S. M 48 – 57 N Required Credit Amount dollars. 7 ECE Institution Sequence number assigned by M 58 – 72 NB Required Spaces Item Sequence the ECE company/institution. Number 8 Documentation A code that indicates the type C 73 AN None ‘G’ Type Indicator of documentation that supports the check record. 9 Type of A code to designate account C 74 AN None Blank = DDA Account Code type. Account 10 Source of A code that identifies the C 75 AN None ‘3’ Work Code incoming work. 11 Work Type A code that identifies the type C 76 AN None of work.. 12 Debit Credit A code that identifies whether C 77 AN None Indicator this record represents a debit or credit adjustment. 13 Reserved A field reserved for future use M 78 – 80 B Required Blank by the Accredited Standards Committee X9.

09/10 Page 35 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter (Type 61) Credit Record

Example:

Ruler: 1 2 3 4 5 6 7 8 12345678901234567890123456789012345678901234567890123456789012345678901234567890 Sample: 61 - Credit Record 61010910999940910 999920060509200605093835212100000102088 G 3

09/10 Page 36 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter (Type 70) Bundle Control Record

(Type 70) Bundle Control Record

The Bundle Control Record is mandatory and contains 7 fields. There is one Bundle Control Record corresponding to each Bundle Header Record (Type 20). This record follows an Image View Data Record (Type 52) and is the last record of the bundle. The data in the fields are generated by the customer that created the corresponding Bundle Header Record. Note: Except for the column heading row, shaded rows in the table below are conditional (i.e., field is required under certain conditions or may be populated at financial institution’s discretion).

Field Field Name Description Usage Position Type Validation Comments Criteria 1 Record Type A code that identifies the type of M 01 – 02 N Required ‘70’ record. 2 Items within The total number of items sent M 03 – 06 N Required Bundle Count within a bundle: all Check Detail Records (Type 25). 3 Bundle Total The total U.S. dollar value of the M 07 – 18 N Required Amount items within the bundle: all Check Detail Records (Type 25). 4 MICR Valid The total U.S. dollar value of all M 19 – 30 N Required Total Amount Check Detail Records (Type 25), which contain the Defined Value ‘1’ in the MICR Valid Indicator (Field 11). 5 Images within The total number of image views M 31 – 35 N Required Bundle Count within a bundle. Each image is represented by an Image View Detail Record (Type 50) and an Image View Data Record (Type 52) pair. 6 User Field A field used at the discretion of C 36 – 55 AN None May be left blank users of the standard. 09/10 Page 37 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter (Type 70) Bundle Control Record

Field Field Name Description Usage Position Type Validation Comments Criteria 7 Reserved A field reserved for future use by M 56 – 80 B None Blank the Accredited Standards Committee X9.

Example:

Ruler: 1 2 3 4 5 6 7 8 12345678901234567890123456789012345678901234567890123456789012345678901234567890 Sample: 70 - Bundle Control Record 700126000003884303000003884303

09/10 Page 38 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter (Type 90) Cash Letter Control Record

(Type 90) Cash Letter Control Record

The Cash Letter Control Record is mandatory and contains 8 fields. There must be one Cash Letter Control Record corresponding to each Cash Letter Header Record (Type 10), and it will be the last record in the cash letter. It follows a Bundle Control Record (Type 70). The data in the fields are generated by the customer who created the corresponding Cash Letter Header Record. Note: Except for the column heading row, shaded rows in the table below are conditional (i.e., field is required under certain conditions or may be populated at financial institution’s discretion).

Field Field Name Description Usage Position Type Validation Comments Criteria 1 Record Type A code that identifies the type of M 01 – 02 N Required ‘90’ record. 2 Bundle Count The total number of bundles M 03 – 08 N Required within the cash letter. 3 Items within Cash The total number of items sent M 09 – 16 N Required Letter Count within the cash letter, all Check Detail Records (Type 25). 4 Cash Letter Total The total U.S. dollar value of the M 17 – 30 N Required Amount cash letter, all Check Detail Records (Type 25). 5 Images within The total number of image views M 31 – 39 N Required Cash Letter Count within a cash letter. Each image is represented by an Image View Detail Record (Type 50) and an Image View Data Record (Type 52) pair. 6 ECE Institution The short name of the C 40 – 57 A None Name company/institution that creates the Cash Letter Control Record (Type 90).

09/10 Page 39 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter (Type 90) Cash Letter Control Record

Field Field Name Description Usage Position Type Validation Comments Criteria 7 Settlement Date The year, month, and day that the C 58 – 65 N None Valid date is required company/institution creating the cash letter expects settlement. 8 Reserved A field reserved for future use by M 66 – 80 B None Blank the Accredited Standards Committee X9.

Example:

Ruler: 1 2 3 4 5 6 7 8 12345678901234567890123456789012345678901234567890123456789012345678901234567890 Sample: 90 - Cashletter Control Record 900000400000874000000460155186TO: US BANK CINCINBANK ONE COLS

09/10 Page 40 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter (Type 99) File Control Record

(Type 99) File Control Record

The File Control Record is mandatory and contains 8 fields. It is the final record of an electronic check exchange file. It follows a Cash Letter Control Record (Type 90). The data in the fields are created by the customer sending the file, the immediate origin institution. Note: Except for the column heading row, shaded rows in the table below are conditional (i.e., field is required under certain conditions or may be populated at financial institution’s discretion).

Field Field Name Description Usage Position Type Validation Comments Criteria 1 Record Type A code that identifies the type of M 01 – 02 N Required ‘99’ record. 2 Cash Letter Count The total number of cash letters within M 03 – 08 N Required the file. 3 Total Record Count The total number of records of all types M 09 – 16 N Required sent in the file, including the File Control Record. 4 Total Item Count The total number of items sent within M 17 – 24 N Required the file: all Check Detail Records (Type 25). 5 File Total Amount The total U.S. dollar value of the M 25 – 40 N Required complete file: all Check Detail Records (Type 25). 6 Immediate Origin A contact at the company/institution C 41 – 54 ANS Required Customer may Contact Name that creates the ECE file. leave blank 7 Immediate Origin The phone number of the contact at the C 55 – 64 N Required Customer may Contact Phone company/institution creating the file. leave blank Number 8 Reserved A field reserved for future use by the M 65 – 80 B None Blank Accredited Standards Committee X9. 09/10 Page 41 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter (Type 99) File Control Record

Example:

Ruler: 1 2 3 4 5 6 7 8 12345678901234567890123456789012345678901234567890123456789012345678901234567890 Sample: 99 - File Control Record 99 0000000460155186

09/10 Page 42 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter Glossary

Glossary

ANSI: The American National Standards Institute (ANSI) coordinates the development and use of voluntary consensus standards in the United States and represents the needs and views of U.S. stakeholders in standardization forums around the globe. Auxiliary on-us field: A field on the MICR line of commercial or business checks that is usually contains the check serial number bracketed by on-us symbols. Bank of First Deposit (BOFD): The financial institution that accepts a check for deposit from a customer. It is also the institution to which a check would be returned if the check is not paid (also called depositary bank). Black and white image: The print on the image of an original check or substitute check is only in black and white tones. Bundle: A batch of checks in a cash letter usually containing about 250-300 checks. The dollar amount of the bundle serves as a control total and is listed on the cash letter. Byte: A binary string length of 8 bits. Cash letter: A package of forward presentment or returned checks, including applicable detail listings and summary recaps, deposited for collection. Check 21: The Check Clearing for the 21st Century Act, or Check 21, was signed into law on October 28, 2003. Provisions of the law took effect on October 28, 2004. The purpose of Check 21 is to encourage, but not mandate, electronic check exchange by the use of substitute checks. Check digit: A digit usually calculated by applying an algorithm to all or some of the digits in the number. Routing numbers have nine digits: 8 provide financial institution identification information and the 9th digit is the check digit. Collecting bank/institution: The financial institution attempting to collect payment on an item through the forward check collection process. Converting bank/institution: The financial institution that has truncated the original check or substitute check to a digital image (also called truncating bank). EBCDIC: Extended Binary Coded Decimal Interchange Code.

09/10 Page 43 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter Glossary

Electronic check exchange The electronic exchange of check-related data. (ECE): ECE institution: The customer/institution that creates and sends the electronic cash letter/image cash letter information. Endorsement: Information used to record the transfer of a negotiable instrument from one holder to another. Endorsements are placed on the check by payee(s), the BOFD, and financial institutions subsequently handling the check. Endorsements are used to track the routing of the check in electronic or paper form (also called indorsement). External processing code A number placed in Position 44, just before the ABA routing number, of the MICR line. Check 21 and (EPC): the proposed Federal Reserve regulations require changes to the EPC field for processing substitute checks. Whenever a substitute check is created, a “4” is always printed in the EPC field. ANS X9.90 requires that a “4” be placed in the EPC position identifying a substitute check. On an original check, Position 44 generally is left blank for forward collection. Forward check: A check sent by the BOFD, either directly or through another collecting bank, to the paying institution for payment. Government checks: Checks drawn on the United States Treasury. Image: A digital representation of all or part of an original check or substitute check. Image cash letter: A product that enables financial institutions to deposit their forward cash letters electronically (also called electronic cash letter). Image exchange: An exchange of some or all of a digitized image (or images) of a check. Image quality: An umbrella term, referring to a number of characteristics of the image, including: Defects in the source document or introduced in the image capture process Usability of the image and information contained within it Faithfulness of the image rendition to the original source document

09/10 Page 44 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter Glossary

Image replacement document A paper reproduction of the original check that: (IRD): Contains an image of the front and back of the original check Bears a MICR line containing all the information appearing on the MICR line of the original check, except as provided under generally applicable industry standards for substitute checks to facilitate the processing of substitute checks (regulations may contain exceptions) Conforms in paper stock, dimension and other specifications with generally applicable industry standards for substitute checks Is suitable for automated processing in the same manner as the original check A term used by the Accredited Standards Committee in the technical specification for substitute checks (X9.90; also called substitute checks). Magnetic ink character The characters on the bottom line on the face of a paper check that contain the routing or transit number recognition (MICR): of the financial institution the check is drawn on, the account number of the drawee (receiver) and the check number, all printed in machine readable magnetic ink in a font devised for check reading. Mixed cash letter: An unsorted deposit of forward or return checks for presentment. On-us field: A field on the MICR line of checks that is generally used for the customer account number and other optional internal codes. The arrangement of characters and symbols in the on-us field is determined by the bank on which the checks are drawn. Original check: The first paper check issued with respect to a particular payment transaction. Payor: The party issuing a check (also called the maker or writer). Payor bank: The institution on which a check is drawn (i.e., institution paying the check), identified by the routing number on the check. Postal Money Order (PMO): A negotiable instrument purchased from the U. S. Postal Service. Raster: A data file or structure representing a generally rectangular grid of pixels, or points of color, on a computer monitor, paper or other display device. Reconverting bank/institution: The financial institution that creates a substitute check; or if a substitute check is created by a person other than a financial institution, the first financial institution that transfers or presents that substitute check. Regulation CC: The regulation adopted by the Board of Governors of the Federal Reserve System to implement the law that mandates the time limits for funds availability on deposited items.

09/10 Page 45 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank. U.S. Bank Image Cash Letter Glossary

Reject: A character, field or document that the recognition system is unable to recognize. Reject repair: Repairing misprinted information on a check's MICR line. Routing number: The nine-digit numeric identifier of a financial institution that enables transactions to be routed to the proper bank for posting (also called the ABA or routing and transit number). Short name: The abbreviated name assigned to a bank, typically by the Federal Reserve. Substitute check: A paper reproduction of the original check that: Contains an image of the front and back of the original check Bears a MICR line containing all the information appearing on the MICR line of the original check, except as provided under generally applicable industry standards for substitute checks to facilitate the processing of substitute checks (regulations may contain exceptions) Conforms in paper stock, dimension and other specifications with generally applicable industry standards for substitute checks Is suitable for automated processing in the same manner as the original check Is also called: Image Replacement Document (IRD): This term is used by the Accredited Standards Committee in the technical specification for substitute checks (X9.90). TIFF: Tagged Image File Format. Transit field: A field on the MICR line of checks that identifies the institution upon which the check is drawn. Truncating bank/institution: The institution that truncates the original check. Truncate: To remove an original check from the forward collection or return process and send to a recipient, in lieu of such original check, a substitute check or, by agreement, information relating to the original check. X9.100-187 2008: X9.100-187 2008 standard allows data and images, structured in a cash letter form, to be exchanged electronically between financial institutions.

09/10 Page 46 This information is proprietary and confidential and is not to be disseminated further without the written consent of U.S. Bank.