CashPro Online. CashPro Online Quick Reference Guide Global Payments Using Bank-Defined Import File Formats

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1 CashPro Online CashPro Online Quick Reference Guide Global Payments Using Bank-Defined Import File Formats

2 CashPro Online Table of Contents About this Guide...3 Global Payments Comma-Separated Value Format...5 Wandalink Format Foreign Exchange,, and Drafts Comma-Separated Value Format CashPro Online Quick Reference Guide 2

3 CashPro Online About this Guide Note: You can print each topic individually for your convenience, if desired. This Global Payments quick reference guide provides the information needed to create import files using several formats defined and supported by Bank of America Merrill Lynch. The bank-defined formats available are: Comma-separated value (CSV) Global Payments (GPCSV) Foreign Exchange,, and Drafts (FXWDCSV) Wandalink CSV This guide describes the layout of each file format in detail, lists the payment types each format supports, and provides examples of import files that follow each format. Please keep the following in mind when choosing a file format: Bank of America Merrill Lynch does not recommend using formats other than those listed above and provides limited support for them. Any format not listed is intended for use only by clients who migrated from a legacy application and already have a file format. All other clients should map to the GPCSV format, or create a custom file format. Refer to Importing a File for information on creating a custom file format. Use these guidelines when entering values in file format fields: Use only the following, unless specifically allowed by the local clearinghouse used for payment: A-Z a-z 0-9 / (forward slash) - (hyphen)? (question mark) : (colon) ( (left parenthesis) ) (right parenthesis). (period), (comma) CashPro Online Quick Reference Guide 3

4 (apostrophe or single quotation mark. Do not use the tick mark (`) above the Tab key.) + (plus sign) (space) Start or end a field only with A-Z, a-z, or 0-9. Do not start or end a field with a non- character. Using a hyphen (-) or colon (:) as the first, last, or only character in any field will cause a transaction to fail. If copying and pasting data from another source, first paste the data into Microsoft Notepad (or another text editor that strips formatting). Then, copy the data from the text editor into your import file. This should remove any illegal or unprintable from your data. Extraneous formatting in any field will cause a transaction to fail during import. If sending Beneficiary or Remittance information, always enter data in these fields in order, starting with line 1. Do not leave lines blank. In addition, Bank of America Merrill Lynch supports the following country-specific file formats: CNABE (Brazil) ZENGIN (Japan) CashPro Online Quick Reference Guide 4

5 CashPro Online Global Payments: Global Payments Comma-Separated Value Format Introduction This card provides the information needed to use the Global Payments Comma-Separated Value (GPCSV) format to import a file to Global Payments within CashPro Online. The GPCSV format supports the following payment types: Automated Clearing House (ACH) Drafts Internal Transfers MT210 Multibank US Drawdowns Note: US Drawdown payments must be sent by themselves in a file. You must use the following guidelines when creating a file using the GPCSV format: Insert a comma after each field value (Value,), except for the last value in the record. Insert an additional comma after a field value (Value,,) to skip the next field. The following table provides the layout for the GPCSV format and information needed for each field: Note: The M/O/C column indicates whether the field is Mandatory (M), Optional (O), or Conditional (C). 1 Destination Country Description Expected Values 2-character country code (GB, US, for example). For MT210s, country code of the ordering party or ordering institution. M/O/C Payment Types Supported Wire ACH Multibank Draft MT210 US Drawdown M X X X X X X CashPro Online Quick Reference Guide 5

6 Description Expected Values M/O/C Payment Types Supported Wire ACH Multibank Draft MT210 US Drawdown 2 Payment Type AT - Internal Transfers DD - US Drawdown LOW - Low priority. Use for ACH. LOW - Low priority where Beneficiary Account and Beneficiary Bank ID are blank. Use for Drafts. MT210 - MT210 transaction URG - Urgent. Use for and Multibank. M X X X X X X 3 Sender s Reference 4 Related Reference 1-16 O X X N/A X N/A N/A 1-16 O N/A N/A X N/A X N/A 5 Value Date Formats: MMDDYYYY DDMMYYYY Format used depends on import profile preference. Global Payments will use the earliest available date if left blank. O X X X X X N/A 6 Debit Account ber 7 Debit Amount 8 Credit Amount Client Debit Account (Bank of America Merrill Lynch or Multibank) For MT210s, the Bank of America Merrill Lynch account being credited. Amount being debited. Decimal precision depends on import profile preference. Required if no credit amount entered. Amount being credited. Required if no debit amount entered. M X X X X X N/A C X X X X N/A N/A C X X X X X N/A 9 Currency Currency of Debit or Credit Amount M X X X X X N/A 10 Drawee Country 11 Originator 12 Originator Account 13 Originator Address 14 Originator City 15 Originator Country 16 Beneficiary Account If draft currency is EUR, country of Draft Drawee Branch. of originator to append to payment in field 50 in SWIFT format Account number for a transaction on behalf of another party Originator Address to append to payment in field 50 in SWIFT format City of Originator to append to payment in field 50 in SWIFT format 2-character Country Code (GB, US, DE, for example) of Originator to append to payment in field 50 in SWIFT format Account being credited. Depends on country/payment type requirement. O N/A N/A N/A X N/A N/A O X X X X N/A N/A X X X X X N/A N/A O X X X X N/A N/A O X X X X N/A N/A O X X X X N/A N/A C X X X - optional N/A N/A N/A CashPro Online Quick Reference Guide 6

7 17 Beneficiary 18 Beneficiary Address 19 Beneficiary City 20 Beneficiary Postal Code 21 Beneficiary Country 22 Beneficiary Bank ID 23 Beneficiary Information Line 1 24 Beneficiary Information Line 2 25 Beneficiary Information Line 3 26 Beneficiary Information Line 4 27 Intermediary Bank ID 28 Receiving Bank ID 29 Receiver Information Line 1 30 Receiver Information Line 2 31 Receiver Information Line 3 32 Receiver Information Line 4 Description Expected Values M/O/C Payment Types Supported Wire ACH Multibank Draft MT210 US Drawdown of Credit Party M X X X X N/A N/A Address of Credit Party M X X X X N/A N/A City of Credit Party M X X X X N/A N/A Postal Code of Credit Party O X X X X N/A N/A 2-character Country Code (GB, US, DE, for example) of Credit Party Bank of account being credited. (Bank country should = Destination Country in 1. Use SWIFT Bank Identifier Code (BIC) or countryspecific Routing ID.) Depends on country/payment type requirement details. Free-form Originating Bank Information (OBI) data M X X X X N/A N/A C X X X - Optional N/A N/A N/A O X X X X N/A N/A Free-form OBI data O X X X X N/A N/A Free-form OBI data O X X X X N/A N/A Free-form OBI data O X X X X N/A N/A Intermediary Bank BIC or countryspecific Routing ID O X X X N/A X N/A Not currently supported N/A N/A N/A N/A N/A N/A N/A Bank to Bank Information (BBI) data. Must start this field with a forward slash (/). Include key word data here: /PAYACH/, for example. To initiate the correct payment type for some in-country payments, specific key words are required to differentiate Domestic Wire from other in-country payments. Must start this field value with two forward slashes (//). Include additional instructions: //FFC to Account 12334, for example. Must start this field value with two forward slashes (//). Include additional instructions: //FFC to Account 12334, for example. Must start this field with two forward slashes (//). Include additional instructions: //FFC to Account 12334, for example. C X X N/A X N/A N/A O X X N/A X N/A N/A O X X N/A X N/A N/A O X X N/A X N/A N/A CashPro Online Quick Reference Guide 7

8 Description Expected Values M/O/C Payment Types Supported Wire ACH Multibank Draft MT210 US Drawdown 33 Beneficiary Send beneficiary advising alerts to this address. O X X X X X N/A 34 Notes Notes to store with the payment. O X X X X X N/A 35 Send Note to Beneficiary Set value to 1 to send stored notes in the advising alert to the beneficiary. O X X X X X N/A 36 Charges Who pays for the transactions fees. Valid values: SHA: Shared OUR: Originator BEN: Beneficiary The client must be entitled to OUR. If no value is entered, payment defaults to SHA. O X X X X N/A N/A 37 User Defined 1 38 User Defined 2 39 User Defined 3 40 User Defined 4 41 User Defined 5 42 Template Code 43 Template 44 Reserved 45 Purpose of Payment 46 Beneficiary Advising 47 System 1 48 System 2 49 System 3 50 System 4 51 System 5 User-defined field. Data types depend on user-defined field configuration in Global Payments Preferences. User-defined field. Data types depend on user-defined field configuration in Global Payments Preferences. User-defined field. Data types depend on user-defined field configuration in Global Payments Preferences. User-defined field. Data types depend on user-defined field configuration in Global Payments Preferences. User-defined field. Data types depend on user-defined field configuration in Global Payments Preferences. If importing a file with a template code and name, use the template code stored in Global Payments. Template name associated with the template code. To help ensure timely delivery of funds to the beneficiary, this field is required for some cross-currency payments. Mobile ber of Beneficiary for Beneficiary Advising Alerts. O X X X X X N/A O X X X X X N/A O X X X X X N/A O X X X X X N/A O X X X X X N/A C X X X X N/A N/A O X X X X X N/A C X X X X X N/A O X X X X X N/A CashPro Online Quick Reference Guide 8

9 52 System 6 53 System 7 54 System 8 55 System 9 56 System System System System System System 15 Description Expected Values For FX, this field is reserved for the FX regulatory Purpose of Payment value. Required only for certain credit currencies when Debit Currency is not = Credit Currency. For MT210 (Advice to Receive), this field is reserved for Ordering Party. Include only if Ordering Party is not a bank. For Multibank, include SWIFT key words for 23E additional processing instructions (URGP = Urgent Payment, RTGS = Real-Time Gross Settlement) First line of Ordering Party Address. Include only if Ordering Party is not a bank. For Multibank, include free-form text instructions for 23E key word. Ordering Party City. Include only if Ordering Party is not a bank. For Multibank, include Swift key words for 23E additional processing instructions (URGP, RTGS). Ordering Party Postal Code. Include only if Ordering Party is not a bank. For Multibank, Include free-form text instructions for 23E key word. Ordering Party Country. Use 2-character country code (GB, DE, for example). Include only if Ordering Party is not a bank. For Multibank, Include Swift key words for 23E additional processing instructions (URGP, RTGS). Ordering Institution. If Ordering Institution ID is a local sort ID, use this position only. Include only if Ordering Party is a bank and identified with a local sort ID. For Multibank, include free-form text instructions for 23E key word. Beneficiary Identification Code (BIC) of the Ordering Institution. If the Ordering Institution ID is a SWIFT BIC, use this position only. Include only if Ordering Party is a bank and identified with a BIC. For Multibank, Include Swift key words for 23E additional processing instructions (URGP, RTGS). For Multibank, include free-form text instructions for 23E key word. M/O/C Payment Types Supported Wire ACH Multibank Draft MT210 US Drawdown C X N/A X N/A X X C N/A N/A X N/A X X C N/A N/A X N/A X X C N/A N/A X N/A X X C N/A N/A X N/A X X C N/A N/A X N/A X X C N/A N/A X N/A X N/A C N/A N/A X N/A N/A N/A CashPro Online Quick Reference Guide 9

10 Description Expected Values M/O/C Payment Types Supported Wire ACH Multibank Draft MT210 US Drawdown 62 System System System System System 20 The following is a sample of a file formatted according to GPCSV specifications: CashPro Online Quick Reference Guide 10

11 CashPro Online Global Payments Wandalink Format Introduction This card provides the information needed to use the Wandalink format for importing a file to Global Payments within CashPro Online. This format supports the following payment types: Automated Clearing House Drafts MT202 Multibank Payroll transactions You must use the following guidelines when creating a file using the Wandalink format: The first record of the file contains the field names for the data being imported. Enclose all field names in double quotation marks, and insert a comma after each (,), except for the last name in the record. The second record in the file contains the first payment transaction. Enclose all field values in double quotation marks, and insert a comma after each field value ( Value,) except for the last value in the record. Note: The Date and Count fields do not require double quotation marks. Enclose opening and closing double quotation marks in commas (,,) to skip a field value. Each record in the file should contain only one payment transaction. s such as and Address may contain CR-LF as a separator. Each CR-LF must be enclosed in double quotation marks. CashPro Online Quick Reference Guide 11

12 The following table provides the layout for the Wandalink format and information needed for each field: Note: The M/O/C/V column indicates whether a field is Mandatory (M), Optional (O), Conditional (C), or Variable (V). TMP means a field that is part of template when a client is using repetitive matching and not inputting a free form payment. Description Length/ Type 1 ImportSequence ber 2 Repetitive (template code) N/A Template code when using repetitive matching (sending a file with a template code and name). 3 MessageType Transaction type. If using repetitive matching, may be left blank. Value is GBX for MT202. Value is IFT for ACH, Drafts, Multibank, Payroll, and. Value is WT for and Drafts. If value is WT or IFT, the key word in the ReceiverInfo field indicates the Payment Type and Payment Method. 4 Amount Credit amount of transaction. If amount is included in the template when using repetitive matching, amount may be left blank. 5 Beneficiary AccountType Mandatory when BeneficiaryAccount Identifier is populated. 6 numeric 4 17 numeric 2 TMP M/O/C/V Payroll ACH Drafts Multibank MT202 M N/A N/A N/A N/A O X X X X V X X X X V X X X X V X X X X 6 Beneficiary AccountIdentifier Mandatory when BeneficiaryAccount Type is populated. 34 V X X X X 7 Beneficiary Address Line 1 (beneficiary name) is mandatory. Lines 3 and 4 are optional. 4 lines of 35 each C X X X X 8 BeneficiaryBank AccountType Mandatory when BeneficiaryBank AccountIdentifier is populated. 2 C X X X X 9 BeneficiaryBank AccountIdentifier Mandatory when BeneficiaryBank AccountType is populated. 34 C X X X X CashPro Online Quick Reference Guide 12

13 Description Length/ Type 10 BeneficiaryBank Address Line 1 (name of beneficiary) is mandatory when Line 2 (address 1) is populated, and BeneficiaryAccount Type and BeneficiaryAccount Identifier are blank. Line 2 is mandatory when Line 1 is populated, and BeneficiaryAccount Type and BeneficiaryAccount Identifier are blank. Lines 3 and 4 are optional. 11 BeneficiaryInfo Information to communicate to the beneficiary, such as invoice information. 12 ChargesTo Code that indicates who pays for charges. SHA: Shared OUR: Originator BEN: Beneficiary The Client must be entitled to OUR. If no value is entered, payment defaults to SHA. 13 Currency Currency of funds delivered to beneficiary. May be blank if Repetitive ( 2) is provided. 14 DebitAccount Identifier May be blank if Repetitive is provided. 15 DebitCurrency May be blank if Repetitive is provided. 16 IntermediaryBank AccountType 17 IntermediaryBank AccountIdentifier Mandatory when IntermediateBank AccountIdentifier is populated. Mandatory when IntermediateBank AccountType is populated. 4 lines of 35 each 4 lines of 35 each TMP M/O/C/V Payroll ACH Drafts Multibank MT202 C X X X X O X X N/A N/A C X X X X V X X X X V X X X X V X X X X V N/A X X V N/A X X CashPro Online Quick Reference Guide 13

14 Description Length/ Type 18 IntermediaryBank Address 19 Originator Address First line (name of beneficiary) is mandatory when: Second line (address 1) is populated, and IntermediaryAccount Type and IntermediaryAccount Identifier are blank. Second line is mandatory when: First line is populated, and IntermediaryAccount Type and IntermediaryAccount Identifier are blank. Lines 3 and 4 are optional. and address of payment originator. 20 ReceiverInfo Includes Payment Method information and Instructions to beneficiary. 21 SendersRef Allows client to include reference information, such as the Transaction ber of a previously created payment. 22 ValueDate Value Date of instruction 23 Comment Additional comments or instructions for other users who may view or approve the transaction. 4 lines of 35 each 4 lines of 35 each 6 lines of 35 each 16 4 lines of 35 each TMP M/O/C/V Payroll ACH Drafts Multibank MT202 V N/A X X O X X N/A N/A O X X X X O X X X X M X X X X O X X X X The following is a sample of a file formatted according to Wandalink specifications: CashPro Online Quick Reference Guide 14

15 CashPro Online Global Payments Foreign Exchange,, and Drafts Comma-Separated Value Format Introduction This card provides the information needed to use the Foreign Exchange,, and Drafts Comma-Separated Value (FXWDCSV) format for importing a file to Global Payments within CashPro Online. FXWDCSV is a standard, bankdefined format. The FXWDCSV format supports the following payment types: Automated Clearing House (ACH) Drafts MT202 Multibank The FXWDCSV format supports Roman and Asian local language (Korean, Japanese, and Chinese, for example), so the File Encoding option UTF 16 must be enabled in the import profile within Global Payments. Refer to Importing a File for more information. The import file must follow these standards: The header record is the first record in the file. values are enclosed in double quotation marks ( Value ). A comma follows every field except the last field in a record ( Value,). An additional comma follows a field value to indicate the omission of an optional field ( Value,,). The trailer record is the last record in the file. Important: More than one header record or trailer record causes the file import to abort. CashPro Online Quick Reference Guide 15

16 Header Record The layout for the header record is: ber Description/Value 1 File Type PAYMENT 2 Record Type HEADER 3 Creation Date MMDDYYYY format 4 Location ID 8-character Company identifier plus a 4-character identifier for the location where the file was created. Example: Your Company ID is ABCDComp, and the file was created in the London office. The Location ID could be ABCDCompLndn. 5 Sequence ber An integer from 0001 to 9999 that identifies the import file. This is an example of a complete header record: PAYMENT, HEADER, , ABCDCompLndn, 0001 Payment Record Each payment record must begin with the word PAYMENT. The following table provides the layout for the FXWDCSV format and information needed for each field: Note: The M/O/C column indicates whether a field is Mandatory (M), Optional (O), or Conditional (C). Payment Types Supported Description Length/ Type M/O/C/ ACH Payroll Drafts Multibank MT202 1 Record Type Indicates the record type. Always contains the value PAYMENT. 2 Payment Type Indicates the payment type: 3 Senders Reference ber 3b Related Reference ber FXW for ACH, Drafts, Payroll, and Wire payments. MBW for Multibank. May include reference information such as the Transaction ber of a previously created payment. Additional reference information 4 Value Date Value Date of Instruction. Format determined by FXWDCSV profile in Global Payments numeric M X X X N/A M X X X N/A O X X X N/A O X X X X O X X X N/A CashPro Online Quick Reference Guide 16

17 Payment Types Supported Description Length/ Type M/O/C/ ACH Payroll Drafts Multibank MT202 5 Amount Type Valid values are DEBIT or CREDIT. Defines the Amount in field 6. Global Payments rejects the transaction record if the Amount Type is an invalid value. Value should always be CREDIT for Multibank and MT202 transactions. 6 Amount If Amount Type is CREDIT, amount paid to the beneficiary. If Amount Type is DEBIT, amount debited from the Debit Account. Amount must be in the format 9,999,99. 7 Credit Currency International Organization for Standardization (ISO) code of the currency paid to the beneficiary 8 Originator of the customer ordering the wire payment 9 Originator Address Line 1 10 Originator Address Line 2 11 Originator Address Line 3 First line of the ordering customer s address Second line of the ordering customer s address Third line of the ordering customer s address 12 Debit Account Identifier of the account debited for the transaction. 13 Beneficiary ID Type Code of the Identifier Type for the fund recipient. If left blank, Beneficiary ID should be blank. Examples: DD - Other IB - IBAN 5 6 M X X X X 17 numeric 3, all uppercase (USD, for example) 2 M X X X X M X X X X O X X N/A N/A O X X N/A N/A O X X N/A N/A O X X N/A N/A M X X X N/A C X N/A X N/A CashPro Online Quick Reference Guide 17

18 Payment Types Supported Description Length/ Type M/O/C/ ACH Payroll Drafts Multibank MT Beneficiary ID Identifier of the fund recipient. If left blank, Beneficiary ID Type should be blank. 15 Beneficiary of the fund recipient. 16 Beneficiary Address Line 1 17 Beneficiary Address Line 2 18 Beneficiary Address Line 3 19 Beneficiary Bank ID Type 20 Beneficiary Bank ID 21 Beneficiary Bank 22 Beneficiary Bank Address Line 1 23 Beneficiary Bank Address Line 2 If Beneficiary ID Type and Beneficiary ID are blank, populate this field and Beneficiary Address Line 1. If Beneficiary ID Type and Beneficiary ID are blank, populate this field to accompany Beneficiary. Second address line Third address line Identifier Type Code of the Pay Through Bank. If this field is blank, Beneficiary Bank ID should be blank. Identifier of the Pay Through Bank. If this field is blank, Beneficiary Bank ID Type should be blank. If Beneficiary Bank ID Type and Beneficiary Bank ID are blank, populate this field and Beneficiary Address Line 1. If Beneficiary Bank ID Type and Bank ID are blank, populate this field and Beneficiary Bank. If Beneficiary Bank ID Type and Beneficiary Bank ID are populated, all address fields are optional. If Beneficiary Bank ID is blank, Beneficiary Bank and Beneficiary Bank Address Line 1 are required. Line 2 of Beneficiary Bank Address C X N/A X N/A M X X X N/A C X X X N/A O X X X N/A O X X X N/A C X N/A X N/A C X N/A X N/A M X N/A X N/A C X N/A X N/A CashPro Online Quick Reference Guide 18

19 Payment Types Supported Description Length/ Type M/O/C/ ACH Payroll Drafts Multibank MT Beneficiary Bank Address Line 3 Line 3 of Beneficiary Bank Address 25 Intermediary Bank ID Type Identifier Type Code for the Intermediary Bank. 3 C X N/A X N/A If this field is blank, Intermediary Bank ID type should be blank. 26 Intermediary Bank ID Identifier for the Intermediary Bank. 34 C X N/A X N/A If this field is blank, Intermediary Bank ID Type should be blank. 27 Intermediary Bank of the Intermediary Bank. C X N/A X N/A This field is mandatory if Intermediary Bank ID Type and Intermediary Bank ID are blank. 28 Intermediary Bank Address Line 1 Address line 1 of the Intermediary Bank. If Intermediary Bank is populated, but Intermediary Bank ID Type and Intermediary Bank ID are blank, Intermediary Bank Address Line 1 is required. C X ( only) N/A X N/A 29 Intermediary Bank Address Line 2 Address line 2 of the Intermediary Bank 30 Intermediary Bank Address Line 3 Address line 3 of the Intermediary Bank 31 Beneficiary Information Line 1 Line 1 of additional transaction information 32 Beneficiary Information Line 2 Line 2 of additional transaction information O X X X N/A 33 Beneficiary Information Line 3 Line 3 of additional transaction information O X X X N/A 34 Beneficiary Information Line 4 Line 4 of additional transaction information O X X X N/A CashPro Online Quick Reference Guide 19

20 Payment Types Supported Description Length/ Type M/O/C/ ACH Payroll Drafts Multibank MT Charges Code that indicates who pays for charges. 36 Receiver Information Line 1 37 Receiver Information Line 2 38 Receiver Information Line 3 39 Receiver Information Line 4 40 Receiver Information Line 5 41 Receiver Information Line 6 SHA: Shared OUR: Originator BEN: Beneficiary The client must be entitled to OUR. If no value is entered, payment defaults to SHA. Instructions for Bank of America Merrill Lynch and other banks processing the transaction. May contain routing key words such as PAYEFT or PAYACH that determine payment type and payment method. May also contain nonrouting key words with specific payment instructions. Format: /codeword/ OR /codeword/text Same as row 36, except format can also be /text/ Same as row 36, except format can also be /text/ Same as row 36, except format can also be /text/ Same as row 36, except format can also be /text/ Same as row 36, except format can also be /text/ 3 CashPro Online Quick Reference Guide 20

21 Trailer Record The layout for the trailer record is: ber Description/Value 1 File Type PAYMENT 2 Record Type TRAILER 3 Hash Total Mandatory if the Hash Totals option in the FXWDCSV import profile is set to Yes. Optional if the Hash Totals option in the FXWDCSV import profile is set to No. Right-justified. 4 Record Count Mandatory if the Record Count option in the FXWDCSV import profile is set to Yes. This is an example of a complete trailer record: PAYMENT, TRAILER, , 100 Optional if the Record Count option in the FXWDCSV import profile is set to No. 1 5 numeric The following is a sample of a file formatted according to FXWDCSV specifications: Bank of America Merrill Lynch is the marketing name for the global banking and global markets businesses of Bank of America Corporation. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., member FDIC. Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation ( Investment Banking Affiliates ), including, in the United States, Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp., both of which are registered broker-dealers and members of SIPC, and, in other jurisdictions, by locally registered entities. Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA. Investment products offered by Investment Banking Affiliates: Are Not FDIC Insured May Lose Value Are Not Bank Guaranteed Bank of America Corporation Ouvidoria Bank of America Merrill Lynch 1 DDG: ouvidoria_bamlbrasil@baml.com 1 Bank of America Merrill Lynch Banco Múltiplo S.A. e Merrill Lynch S.A. Corretora de Títulos e Valores Mobiliários CashPro Online Quick Reference Guide 21