Danish Message Implementation Guideline for Common Global Implementation (CGI) Customer Direct Debit Initiation

Appendix to Danish Message Implementation Guideline for Common Global Implementation (CGI) Customer Direct Debit Initiation December 15th 2012 FINAL VERSION

Table of Contents INTRODUCTION 3 DANISH PAYMENT EXAMPLES 5 Denmark, Betalingsservice (BS Transfer) 5 Denmark, LeverandørService (LS Transfer) 10

INTRODUCTION This document contains descriptions and examples for payment types included in the Danish CGI MIGs for Direct Debit Initiation and Customer Payment Status Report. For each example, a table is presented, which describes significant data elements for each type of payment. In general these elements are Mandatory. The message examples are enclosed below each table. The ISO 20022 XML messages allow for the full range of global language requirements (UTF-8). Banks and their customers must be able to support the Latin character set commonly used in international communication, as follows: a b c d e f g h i j k l m n o p q r s t u v w x y z A B C D E F G H I J K L M N O P Q R S T U V W X Y Z 0 1 2 3 4 5 6 7 8 9 / -? : ( )., ' + Space However, to support local characters used in Denmark, Faroe Islands, Finland, Germany, Norway and Sweden beyond the Latin character set referred to above, the following characters are supported (Not to be used in SEPA payments or Cross border payments to other than the referred countries): á ä ç đ é í ó ö ú ü ý æ ø å Á Ä Ç Ð É Í Ó Ö Ú Ü Ý Æ Ø Å ß % & = @ Remittance information contains information about the reason for payment (e.g. invoice number), directed from the payor to the payee. The information may be structured and/or unstructured. Structured remittance information may include, for example, reference numbers for the invoices and credit notes to which the payment refers. Unstructured remittance information contains information in free text format from the Payor to the Payee.

Template Service Independent Payments Business Function Description of the service. Data Element Element Code / Value Payment Information <PmtInfId> Identification Payment Method <PmtMtd> Payment Type Information <PmtTpInf> Requested Collection Date <ReqdColltnDt> Creditor name and address <Cdtr> <Nm> <PslAdr> <StrtNm> <PstCd> <TwnNm> <Ctry> Creditor s Organization Identification <Cdtr> Creditor Account Number <CdtrAcct> Creditor Agent Identification Instruction ID End-to-end ID Purpose Amount Debtor name and address Debtor Account Remittance Information Structured and/or Unstructured <DbtrAgt> <PmtId><InstrId> <PmtId><EndToEndId> <Purp> <Amt> <Dbtr> <Nm> <PslAdr> <StrtNm> <PstCd> <TwnNm> <Ctry> <DbtrAcct> <RmtInf> <Strd> <RmtInf> <Ustrd> Structured invoice payment type Unstructured details of payment Example: An examples follows here.

DANISH PAYMENT EXAMPLES Denmark, Betalingsservice (BS Transfer) Business Function: Debit transfer with long advise. Bilateralt agreed mandateinformation. Debtors ID of the payment (20). 41 lines with 35 characters unstructured advice. Message Item <XML tag> /Element Code / Value Payment Information <PmtInfId>12345</PmtInfId> 12345 Identification Payment Method <PmtMtd>DD</PmtMtd> DD Payment Type Information <PmtTpInf> <SvcLvl> <Prtry>MYPT</Prtry> </SvcLvl> <LclInstrm> <Cd>CORE</Cd> </LclInstrm> <CtgyPurp> <Prtry>BS1</Prtry> MYPT CORE BS1 </CtgyPurp> </PmtTpInf> Requested Collection Date <ReqdColltnDt>2012-12- 2012-12-01 01</ReqdColltnDt> Creditor name and address <Cdtr> <Nm>Peters Papirlager</Nm> <StrtNm>Printervej 4A</StrtNm> <PstCd>2750</PstCd> </Cdtr> Peters Papirlager Printervej 4A 2750 DK Creditor s Organization Identification Creditor Account Number <Cdtr> 12345678912345 <Cd>CUST</Cd> </OrgId> </Cdtr> <CdtrAcct> 12340123456789 <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </CdtrAcct> 12345678912345 CUST 12340123456789 BBAN DKK

Message Item <XML tag> /Element Code / Value Instruction ID <InstrId>Creditors own ref of Creditors own ref of payment payment</instrid> End-to-end ID <EndToEndId>ENDTOENDID- ENDTOENDID-12345678901 12345678901</EndToEndId> Mandate Identification <MndtId>123456789</MndtId> 123456789 Amount <InstdAmt Ccy="DKK">10000.00</InstdAmt> "DKK" 10000.00 Debtor name and address Debtor Account Instruction for Creditor Agent Remittance Information Unstructured and/or Structured <Dbtr> <PstCd>2750</PstCd> <AdrLine>Att. Direktøren</AdrLine> <AdrLine>Nets Debtor</AdrLine> <AdrLine>Lautrupbjerg 10</AdrLine> <PrvtId> 123456789123456 <Cd>CUST</Cd> 0606111234 <Cd>SOSE</Cd> </PrvtId> </Dbtr> <DbtrAcct> NOTPROVIDED </DbtrAcct> <InstrForCdtrAgt>60 char Customer ID text line</instrforcdtragt> <RmtInf> <Ustrd>/052/</Ustrd> <Ustrd>THIS IS LINE NO 8 7</Ustrd> <Ustrd>THIS IS LINE WITH SPECIAL CHAR</Ustrd> <Ustrd>/062/</Ustrd> <Ustrd>This is line no 1 for mix case</ustrd> </RmtInf> 2750 DK Att. Direktøren Nets Debtor Lautrupbjerg 10 123456789123456 CUST 0606111234 SOSE NOTPROVIDED 60 char Customer ID text line /052/ THIS IS LINE NO 87 THIS IS LINE WITH SPECIAL CHAR /062/ This is line no 1 for mix case

Example: <?xml version="1.0" encoding="utf-8"?> <!--Instance XML file generated by Carsten I. Pedersen for Danish Bankers' Association in 2012--> <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.008.001.02" xmlns:xsi="http://www.w3.org/2001/xmlschema-instance" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain.008.001.02 C:\Data\NORDIC~2\ISO20022_Maintenance2009\XSD\pain.008.001.02.xsd"> <CstmrDrctDbtInitn> <GrpHdr> <MsgId>TSI00_BS126123456_2011060601_NA_0</MsgId> <CreDtTm>2012-11-16T09:30:47</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty> 26123456 <Cd>TXID</Cd> </OrgId> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>1234567</PmtInfId> <PmtMtd>DD</PmtMtd> <NbOfTxs>1</NbOfTxs> <CtrlSum>10000.00</CtrlSum> <PmtTpInf> <SvcLvl> <Prtry>MYPT</Prtry> </SvcLvl> <LclInstrm> <Cd>CORE</Cd> </LclInstrm> <CtgyPurp> <Prtry>BS1</Prtry> </CtgyPurp> </PmtTpInf> <ReqdColltnDt>2012-12-01</ReqdColltnDt> <Cdtr> <Nm>Peters Papirlager</Nm> <StrtNm>Printervej 4A</StrtNm> <PstCd>2750</PstCd> 123456789012345 <Cd>CUST</Cd> </OrgId> </Cdtr>

<CdtrAcct> 12340123456789 <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </CdtrAcct> <CdtrAgt> <FinInstnId> <BIC>AAAAAA20</BIC> </FinInstnId> </CdtrAgt> <CdtrSchmeId> 12345678 <Prtry>BSno</Prtry> 00001 <Prtry>DebtorGroupNo</Prtry> </OrgId> </CdtrSchmeId> <DrctDbtTxInf> <PmtId> <InstrId>Creditors own ref of payment</instrid> <EndToEndId>ENDTOENDID-12345678901</EndToEndId> </PmtId> <InstdAmt Ccy="DKK">10000.00</InstdAmt> <DrctDbtTx> <MndtRltdInf> <MndtId>123456789</MndtId> </MndtRltdInf> </DrctDbtTx> <DbtrAgt> <FinInstnId> <BIC>NOTPROVIDED</BIC> </FinInstnId> </DbtrAgt> <Dbtr> <PstCd>2750</PstCd>

<AdrLine>Att. Direktøren</AdrLine> <AdrLine>Nets Debtor</AdrLine> <AdrLine>Lautrupbjerg 10</AdrLine> <PrvtId> 123456789123456 <Cd>CUST</Cd> 0606111234 <Cd>SOSE</Cd> </PrvtId> </Dbtr> <DbtrAcct> NOTPROVIDED </DbtrAcct> <InstrForCdtrAgt>60 char Customer ID text line</instrforcdtragt> <RmtInf> <Ustrd>/052/</Ustrd> <Ustrd>THIS IS LINE NO 87</Ustrd> <Ustrd>THIS IS LINE WITH SPECIAL CHAR</Ustrd> <Ustrd>/062/</Ustrd> <Ustrd>This is line no 1 for mix case</ustrd> </RmtInf> </DrctDbtTxInf> </PmtInf> </CstmrDrctDbtInitn> </Document>

Denmark, LeverandørService (LS Transfer) Business Function: Account to account debit transfer with long advise. Optional 41 lines with 35 characters unstructured advice. Creditor s Organization Identification Creditor Account Number Instruction ID End-to-end ID Mandate Identification Amount Debtor name and address <CdtrAcct> 12340123456789 <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </CdtrAcct> Message Item <XML tag> /Element Code / Value Payment Information <PmtInfId>123456</PmtInfId> 123456 Identification Payment Method <PmtMtd>DD<PmtMtd> DD Payment Type Information <PmtTpInf> <LclInstrm> <Cd>B2B</Cd> B2B </LclInstrm> </PmtTpInf> Requested Collection Date <ReqdColltnDt>2012-12- 2012-12-01 01</ReqdColltnDt> Creditor name and address <Cdtr> <Nm>Peters Papirlager</Nm> </Cdtr> Peters Papirlager <EndToEndId>ENDTOENDID- 123456</EndToEndId> 12340123456789 BBAN DKK ENDTOENDID-123456 <InstdAmt Ccy="DKK">10000.00</InstdAmt> "DKK" 10000.00 <DbtrAcct> <PrvtId> 12345678912345 123456789012345 <Cd>CUST</Cd> CUST </PrvtId> </DbtrAcct>

Message Item <XML tag> /Element Code / Value Debtor Account <DbtrAcct> NOTPROVIDED NOTPROVIDED </DbtrAcct> Instruction for Creditor Agent <InstrForCdtrAgt>eng eng </InstrForCdtrAgt> Remittance Information Unstructured and/or Structured Example: <?xml version="1.0" encoding="utf-8"?> <!--Instance XML file generated by Carsten I. Pedersen for Danish Bankers' Association in 2012--> <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.008.001.02" xmlns:xsi="http://www.w3.org/2001/xmlschema-instance" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain.008.001.02 C:\Data\NORDIC~2\ISO20022_Maintenance2009\XSD\pain.008.001.02.xsd"> <CstmrDrctDbtInitn> <GrpHdr> <MsgId>TSI00_LS126123456_2011060901_NA_0</MsgId> <CreDtTm>2012-11-16T09:30:47</CreDtTm> <NbOfTxs>1</NbOfTxs> <CtrlSum>10000.00</CtrlSum> <InitgPty> 26123456 <Cd>TXID</Cd> </OrgId> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>123456</PmtInfId> <PmtMtd>DD</PmtMtd> <NbOfTxs>1</NbOfTxs> <PmtTpInf> <LclInstrm> <Cd>B2B</Cd> </LclInstrm> </PmtTpInf> <ReqdColltnDt>2012-12-01</ReqdColltnDt> <Cdtr> <Nm>Peters Papirlager</Nm> </Cdtr> <CdtrAcct>

12340123456789 <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </CdtrAcct> <CdtrAgt> <FinInstnId> <BIC>AAAAAA20</BIC> </FinInstnId> </CdtrAgt> <CdtrSchmeId> 12345 <Prtry>CreditorNo</Prtry> </OrgId> </CdtrSchmeId> <DrctDbtTxInf> <PmtId> <EndToEndId> ENDTOENDID-123456</EndToEndId> </PmtId> <InstdAmt Ccy="DKK">10000.00</InstdAmt> <DbtrAgt> <FinInstnId> <BIC>NOTPROVIDED</BIC> </FinInstnId> </DbtrAgt> <Dbtr> <PrvtId> 123456789012345 <Cd>CUST</Cd> </PrvtId> </Dbtr> <DbtrAcct> NOTPROVIDED

</DbtrAcct> <InstrForCdtrAgt>eng</InstrForCdtrAgt> </DrctDbtTxInf> </PmtInf> </CstmrDrctDbtInitn> </Document>