Transaction Banking. Bulk Payment Services

Transcription

1 Transaction Banking Bulk Payment Services IBG with Advice United Overseas Bank Limited Co Reg No Z

2 Table of Contents 1 IBG File Format with Payment Advice 4 11 Incoming File format (from customer to UOB) 4 12 Outgoing File format (from UOB to customer) 12 2 Status Update File Format Acknowledgement File Format Rejection Status File Format Duplicate File Rejection Status File Format 17 3 Appendix 1 : General Validation rule 18 4 Appendix 2 : Validation for IBG file with Payment Advice File Control Header Validation Batch Header Validation Batch Detail Validation Batch Trailer Validation 19 5 Appendix 3 : Additional Info for printing of Payment Advice 20 United Overseas Bank Limited Co Reg No Z Page 2 of 29

3 LEGEND OF COLUMN PICTURE POSITION LENGTH REMARKS Field format 9 indicates it is a numeric field Only numbers (0-9) are allowed to input Field must be right justified with zeros filled in the left places; V represents decimal places but there is no decimal point in the field Eg number in format 9(5)V9(2) must be coded as X indicates it is a character field It must be left-justified unless specified in REMARKS column This is the start position of the field in one record Total length of the field List possible values, some constraints, further explanation, etc United Overseas Bank Limited Co Reg No Z Page 3 of 29

4 1 IBG File Format with Payment Advice 11 Incoming File format (from customer to UOB) 1 File Name : UIEIddmmNNtxt (this file name format is optional) Record Size : 600 Recording Mode : Fixed Length Where: (this file name format is optional) U - Mandatory code IE - Inter-Bank Giro file with Payment Advice I - Incoming file (indicates that the file is being sent as input to the bank) ddmm - Date and month that the file was created NN - Sequence no eg UIEI251001TXT The above file name indicates that this is an Inter-Bank Giro (IBG) payment instruction file # 1 was created on October 25 The NN can go up to 99 per day for each of the file type That is, user can submit a total of up to 99 payment instruction files per day Each IBG Payment Instruction file will consist of: 1 File Control Header 1 Batch Header Main Detail Records and Invoice Records 1 Batch Trailer Eg: In this example, one file consists of: a) Payment details for supplier with 4 invoices b) Payment details for supplier with 3 invoices c) Payment details for supplier with 1 invoice 0 File Control Header 1 Batch Header 21 Detail Record Type 2 - Main Record with Total Payment Amount (debit amount) 211 Detail Record Type 3-1 st Invoice Number & Amount 212 Detail Record Type 3-2 nd Invoice Number & Amount 213 Detail Record Type 4-1 st Free Text Advice 214 Detail Record Type 4-2 nd Free Text Advice 22 Detail Record Type 2 - Main Record with Total Payment Amount (debit amount) 221 Detail Record Type 3-1 st Invoice Number & Amount 222 Detail Record Type 3-2 nd Invoice Number & Amount 223 Detail Record Type 3-3 rd Invoice Number & Amount 23 Detail Record Type 2 - Main Record with Total Payment Amount (debit amount) 231 Detail Record Type 4 - Free Text Advice 9 Batch Trailer 1 Please refer to Appendix 1 and 2 for file validation rules United Overseas Bank Limited Co Reg No Z Page 4 of 29

5 0) RECORD TYPE : FILE CONTROL HEADER FIELD DESCRIPTION PICTURE POSITION LENGTH REMARKS Record Type X(1) 1 1 "0" File Name X(10) 2 10 File Name of the incoming file File Creation Date 9(8) 12 8 CCYYMMDD File Creation Time 9(6) 20 6 HHMMSS Company ID X(12) Capital letters only UIEIddmmnn (this file name format is optional) UIEI File Name Prefix dd - File creation date mm - File creation month nn - File Sequence Number (01-99) Not 1 calendar days earlier than the file receiving date Not later than the file receiving date Check Summary 2 9(15) File check summary (ie hash total) for validating the file integrity Company ID from BIB X(12) Capital letters only Filler X(536) Blanks 2 Check Summary: This field is to be computed using an algorithm Please refer to appendix A for more information United Overseas Bank Limited Co Reg No Z Page 5 of 29

6 1) RECORD TYPE : BATCH HEADER FIELD DESCRIPTION PICTURE POSITION LENGTH REMARKS Record Type X(1) 1 1 "1" Service Type X(10) 2 10 "IBGINORM" for Normal Service "IBGIEXP" for Express Service For Express Service, all receiving accounts must belong to UOB Bank Group Originating Bank Code 9(4) 12 4 ACH Bank Code Must be 4 digits (0 to 9) Originating Branch Code 9(3) 16 3 Must be 3 digits (0 to 9) Originating Account 9(11) Must be 11 digits (0 to 9) No 3 Must not contain "-" or "/" Originating A/c Name X(20) Capital letters only Must be filled This corporation name is printed in the UOB Group Receiving A/c s bank s statement Creation Date 9(8) 50 8 CCYYMMDD Value Date 4 9(8) 58 8 CCYYMMDD ROS Reference No 9(5) 66 5 Blanks Filler X(10) Blanks Batch number X(20) For customer s reference, optional Payment Advice Header Line 1 Payment Advice Header Line 2 X(105) Payment Advice Header Line 1 ( See Appendix 3 ) X(105) Payment Advice Header Line 2 ( See Appendix 3) Filler X(290) Blanks 3 Originating Account No: In this file, it must be stored as 0 followed by your corporation s UOB Bank Group 10- digit account no Please note that in all correspondences to UOB or other banks, or in the DDA forms, quote the account no without the prefix 0 4 Value Date : This is the date when the payments are effected eg For payments such as salary credit on , the value date is ie 1 working day prior to the day when the receiving accounts will receive the funds On the 14/10, the receiving accounts are credited at the banks end of day processing (which is about midnight) The receiving accounts can use the funds on 15/10 United Overseas Bank Limited Co Reg No Z Page 6 of 29

7 2) RECORD TYPE : BATCH DETAIL RECORD FIELD DESCRIPTION PICTURE POS LENGTH REMARKS Mandatory Record Type X(1) 1 1 "2" Y Receiving Bank Code 9(4) 2 4 Must be 4 digits (0 to 9) Y Receiving Branch Code 9(3) 6 3 Must be 3 digits (0 to 9) Y Receiving Account No X(11) 9 11 Must be numeric and left justified Must not contain "-" or "/" Unused characters must be filled with spaces For example, account number is " ", it must be coded as " " Y Receiving A/c Name X(20) Capital letters only Y Transaction Code 9(2) 40 2 "20" - Misc Credit "21" - Standing Order Credit "22" - Salary Credit "23" - Dividend Credit "24" - Remittance Credit "25" - Bill Credit Y Amount 9(9)V9(2) Must not contain the decimal point Y Particulars X(12) Blanks N Reference X(12) Blanks N Filler X(4) 77 4 Blanks N Print Payment Advice Indicator X(1) 81 1 To indicate if customer wants to print payment advice : Y Print this item, (refer to the right column for the mandatory input of the subsequent fields) N Do not print, and all the subsequent fields are ignored Y Delivery Mode X(1) 82 1 Mode of delivery of the payment advice to beneficiary, the values are: Y E send to beneficiary via F send to beneficiary via FAX (Not available) Advice Format X(1) 83 1 Default Value = 1 Y Beneficiary ID X(20) Beneficiary (Vendor) ID Decided by Customer To be printed on first page of advice Beneficiary Name (line 1) X(35) Beneficiary Name - line 1 N N At lease the line 1 of the name must be provided To be printed on first page of advice United Overseas Bank Limited Co Reg No Z Page 7 of 29

8 FIELD DESCRIPTION PICTURE POS LENGTH REMARKS Mandatory Beneficiary Name (line 2) X(35) Beneficiary Name - line 2 N Beneficiary Address (line X(35) Beneficiary address - line 1 1) 5 To be printed on first page of advice N Beneficiary Address (line 2) X(35) Beneficiary address - line 2 N Beneficiary Address (line 3) X(35) Beneficiary address - line 3 N Beneficiary Address (line 4) X(35) Beneficiary address - line 4 N Beneficiary City X(17) Beneficiary s city N Beneficiary Country Code X(3) Beneficiary country code: N SG local address Others foreign address Beneficiary Postal Code X(15) Beneficiary s postal code N Address of Beneficiary Facsimile Number of Beneficiary Mandatory for country code SG - for barcode printing only, not to be printed in address lines X(50) Applicable only when delivery mode is E Left justified, must have in the middle X(20) Applicable only when delivery mode is F Left justified, only numbers or spaces are valid Special characters like - are not recognized Y, if Delivery Mode = E Y, if Delivery Mode = F Payment Currency X(3) For IBG payment, the value must be SGD To be printed on first page of advice Payer s name (line 1) X(35) Payer s name line 1 Y N To be printed on first page of advice Payer s name (line 2) X(35) Payer s name line 2 N Customer s reference number To be printed on first page of advice X(30) Customer s reference number for this invoice To be printed on first page of advice N Filler X(79) Blanks N 5 The 4 lines of address must be completed to be printed on advice The postal code should be provided in the address line if the beneficiary country code is SG The beneficiary postal code field below is for barcode printing purpose and will not be printed in address lines United Overseas Bank Limited Co Reg No Z Page 8 of 29

9 3) Payment Advice format ( Fixed Format Optional ) FIELD DESCRIPTION PICTURE POS LENGTH REMARKS Mandatory Record Type X(1) 1 1 "3" Y Spacing Lines 9(2) 2 2 Value 0 to 50 only, any value greater than 50 will be defaulted to 50 Y Must be numeric Eg 03 It is to indicate how many spacing lines to be printed before this advice line Invoice No X(20) 4 20 Left justified Y Invoice Date 9(8) 24 8 CCYYMMDD N Invoice Amount 9(9)V9(2) Must not contain the decimal point Gross Amount 9(9)V9(2) Must not contain the decimal point Discount 9(2)V9(2) 54 4 Must not contain the decimal point N N N Positive/Negative sign for Record Type 3 s Amount X(1) 58 1 Indicate whether it s a positive or negative amount Positive + Negative - Y Item Code X(30) Item code N Item Description (line 1) X(35) Item description (line 1) N Item Description (line 2) X(35) Item description (line 2) N Item Description (line 3) X(35) Item description (line 3) N Filler X(477) Blanks Blanks Please refer to Appendix 3e for more details United Overseas Bank Limited Co Reg No Z Page 9 of 29

10 4) Payment Advice format ( Free Text Advice Optional ) FIELD DESCRIPTION PICTURE POS LENGTH REMARKS Mandatory Record Type X(1) 1 1 "4" Y Spacing Lines 9(2) 2 2 Value 0 to 50 only, any value greaten than 50 will be defaulted to 50 Y Must be numeric Eg 03 It is to indicate how many spacing lines to be printed before this advice line Payment Advice Details X(105) Payment Advice Detail Line to be printed Y Filler X(492) Blanks Blanks Please refer to Appendix 3d for more details United Overseas Bank Limited Co Reg No Z Page 10 of 29

11 9) RECORD TYPE : BATCH TRAILER FIELD DESCRIPTION PICTURE POSITIO N LENGTH REMARKS Record Type X(1) 1 1 "9" Total Debit Amount 9(11)V9(2) 2 13 All zeros Total Credit Amount 9(11)V9(2) Must not contain the decimal point Total Debit Count 9(7) 28 7 All zeros If Transaction Code is "30", ie Debit, this field will be all zeros Total Credit Count 9(7) 35 7 Total number of records in the file, excluding the File Header and File Trailer Filler X(559) Blanks If Transaction Code is "30", ie Debit, this field will be all zeros United Overseas Bank Limited Co Reg No Z Page 11 of 29

12 12 Outgoing File format (from UOB to customer) 121 Upload via BIBPlus File Name : UIMOxxxxxxxxxxxxxx Record Size : 300 Recording Mode : Fixed Length Where: U IM O xxxxxxxxxxxxxx - Mandatory code - Inter-Bank Giro file - Outgoing file (indicates that the file is being sent as output from the bank) - 14 digit BIBPlus reference number eg UIMO Upload via FTS File Name : UIEOddmmNNx Record Size : 300 Recording Mode : Fixed Length eg Where: U IE O ddmm NN x - Mandatory code (for file created by BIB, it is B ) - Inter-Bank Giro file with Payment Advice - Outgoing file (indicates that the file is being sent as output from the bank) - Date and month that the incoming file was created - Original incoming file sequence no - Indicates the file process status, viz UIEO251001O Each IBG Payment output file with good fate will consist of: 1 Batch Header Detail Records 1 Batch Trailer 1 Batch Header 21 Detail Record 22 Detail Record 23 Detail Record 9 Batch Trailer O : Processed successfully S : Rejected by ROS due to validation error F : Rejected by IBG due to validation error R : Rejected by IBG due to insufficient funds United Overseas Bank Limited Co Reg No Z Page 12 of 29

13 1) RECORD TYPE : BATCH HEADER FIELD DESCRIPTION PICTURE POSITION LENGTH REMARKS Record Type X(1) 1 1 "1" Service Type X(10) 2 10 "IBGOTAP2" Originating Bank Code 9(4) 12 4 Same as incoming file Originating Branch Code 9(3) 16 3 Same as incoming file Originating a/c no 9(11) Same as incoming file Originating a/c Name X(20) Same as incoming file Creation Date 9(8) 50 8 Same as incoming file Value Date 9(8) 58 8 Same as incoming file ROS Reference No 9(5) 66 5 Numeric value assigned by UOB except for companies notified by UOB Filler X(14) Blanks Batch number X(20) Same as incoming file Filler X(196) Blanks United Overseas Bank Limited Co Reg No Z Page 13 of 29

14 2) RECORD TYPE : BATCH DETAIL FIELD DESCRIPTION PICTURE POSITIO N LENGT H REMARKS Record Type X(1) 1 1 "2" Receiving Bank 9(4) 2 4 Contain 4 digits (0 to 9) Code Receiving Branch 9(3) 6 3 Contain 3 digits (0 to 9) Code Receiving Account X(11) 9 11 Numeric and left-justified No Receiving A/c Name X(20) Capital letters only Transaction Code 9(2) 40 2 "20" - Misc Credit "21" - Standing Order Credit "22" - Salary Credit "23" - Dividend Credit "24" - Remittance Credit "25" - Bill Credit Amount 9(9)V9(2) No decimal point Particulars X(12) Capital letters only (For internal UOB use only) Reference X(12) Right justified, spaces to the left Capital letters only Clear fate 9(1) Item accepted 1 - Item rejected Rejection Code 9(2) 78 2 Numeric Filler X(5) 80 5 Blanks Beneficiary ID X(20) Same as incoming file Beneficiary Name (line 1) Beneficiary Name (line 2) Customer s reference number Payment Advice Printed Indicator X(35) Same as incoming file X(35) Same as incoming file X(30) Same as incoming file X(1) Y printed N not printed due to some errors Reason of not printed X(50) State the reason why the advice cannot be printed Filler X(45) Blanks United Overseas Bank Limited Co Reg No Z Page 14 of 29

15 9) RECORD TYPE : BATCH TRAILER FIELD DESCRIPTION PICTURE POSITION LENGTH REMARKS Record Type X(1) 1 1 "9" Total Debit Amount 9(11)V9(2) 2 13 All zeros Total Credit Amount 9(11)V9(2) No decimal point Total Debit Count 9(7) 28 7 All zeros Total Credit Count 9(7) 35 7 Total number of records in the file, excluding the File Header and File Trailer Rejection Debit Amount Rejection Credit Amount 9(11)V9(2) All zeros 9(11)V9(2) Total credit amount rejected Rejection Debit Count 9(7) 68 7 All zeros Rejection Credit Count 9(7) 75 7 Total number of credit items rejected Filler X(219) Blanks United Overseas Bank Limited Co Reg No Z Page 15 of 29

16 2 Status Update File Format (applicable for FTS channel only) This section is only applicable to FTS channel customers Those who send files via other channels (eg BIB) may ignore this section 21 Acknowledgement File Format File Name : Same as Incoming File Record Size : 80 Recording Mode : Fixed Length Once ROS receives a file, it will send alerting message to customer and supporting users At the same time, it returns an acknowledgement file to the incoming file s origination The acknowledgement file name is same as the incoming file name and it contains only one record FIELD DESCRIPTION PICTURE POSITION LENGTH REMARKS Creation Date X(4) 1 4 MMDD month and day of the creation date Delimiter X(1) 5 1, File Name X(10) 6 10 Received File Name Delimiter X(1) 16 1, Acknowledgement Message X(65) has been received 22 Rejection Status File Format File Name : Same as Incoming File Record Size : 80 Recording Mode : Fixed Length Once ROS rejects a file, it will send alerting message to customer and supporting users At the same time, it returns a rejection status file to the incoming file s origination This file name is same as the incoming file name and it contains only one record FIELD DESCRIPTION PICTURE POSITION LENGTH REMARKS Creation Date X(4) 1 4 MMDD month and day of the creation date Delimiter X(1) 5 1, File Name X(10) 6 10 Rejected File Name Delimiter X(1) 16 1, Rejection Reason X(65) For IBG file: ROS ref No +,F Rej,Rec #: + error record No +, + error description United Overseas Bank Limited Co Reg No Z Page 16 of 29

17 23 Duplicate File Rejection Status File Format File Name : Incoming File Name + _dup Record Size : 80 Recording Mode : Fixed Length In the case that a duplicate file for a particular customer is sent to ROS, ROS will also sent a rejection message file to the source This file name is the incoming file name appended with _dup and it contains only one record Let s assume the first file was UIEI and was rejected by ROS, so ROS has returned a rejection status file with the same name Later the second file with the same name was sent in and ROS detected it was a duplicate file If ROS uses the same file name as the rejection status file, the first rejection status file will be overwritten and we will lost the first file s status To avoid this, ROS appends _dup in the return file name as an indication of duplicate file rejection FIELD DESCRIPTION PICTURE POSITION LENGTH REMARKS Creation Date X(4) 1 4 MMDD month and day of the creation date Delimiter X(1) 5 1, File Name X(10) 6 10 Rejected File Name Rejection Reason X(65) For IBG file: ROS ref No +,F Rej,Rec #:1 +, + Duplicate file United Overseas Bank Limited Co Reg No Z Page 17 of 29

18 3 Appendix 1 : General Validation rule For all the numeric fields, only numbers (0-9) are allowed There should not be any space or decimal point () in those fields Eg to input a number to a field in format 9(5)V9(2), it must be coded as , or are not correct and will be rejected as file level rejection United Overseas Bank Limited Co Reg No Z Page 18 of 29

19 4 Appendix 2 : Validation for IBG file with Payment Advice No 41 File Control Header Validation 1 First record must be control header record Validation rule 2 File name in control header must be same as the incoming file name 3 Company ID must match with the customer ID registered in UOB system (ROS) 4 Creation date cannot be later than current processing date 5 Creation date cannot be 30 calendar days earlier than current processing date 6 Duplicate file customer cannot use the same file name more than once 7 Check summary must be correct No 42 Batch Header Validation 1 First record must be batch header record 2 Service Type must be either IBGIEXP or IBGINORM Validation rule 3 For service type IBGIEXP, value date cannot be lesser than current processing date; For service type IBGINORM, value date must be greater than current processing date 4 For service type IBGIEXP, originating bank code must be one of these: 7375, For service type IBGIEXP, originating bank code must match against originating account bank code 6 Originating account must belong to this customer 7 Value date must be a valid date 8 Value date cannot be 30 calendar days later than current processing date 9 Valued date cannot fall on Sunday or Public Holiday No 43 Batch Detail Validation 1 There has to be at least one detail record 2 Receiving account must contain only numbers 3 Receiving account name can not be blank Validation rule 4 Transaction Code must be one of these: 20, 21, 22, 23, 24, 25 as credit transaction No 44 Batch Trailer Validation 1 The last record must be trailer record Validation rule 2 Computed credit count and total amount must tally with the trailer credit count and total amount United Overseas Bank Limited Co Reg No Z Page 19 of 29

20 5 Appendix 3 : Additional Info for printing of Payment Advice a) IBG Cut-Off Timings For the latest IBG cut off timings, please visit our website b) Mailing Name & Address Line The Beneficiary/Mailing Name and Address Line of 35 characters each will be printed in the following format : Beneficiary Name (Line 1) Beneficiary Name (Line 2) Beneficiary Address (Line 1) Beneficiary Address (Line 2) Beneficiary Address (Line 3) Beneficiary Address (Line 4) There must be at least minimum one line for Beneficiary or Mailing Name Country and Postal code, where applicable must be part of Address Line For additional printing of Singapore Postal Bar Code, please also indicate the postal code number in the postal code field and SG under Country Code field at the Batch Detail Record Type 2 Example of Mailing Name & Address Line PETER WONG BLK 87 BEDOK NORTH ST 2 # SINGAPORE c) Payment Particulars The following payment particulars will be printed on the advice : IBG PAYMENT PARTICULARS Date (value) : DD/MM/YYYY Payer s Name : XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX Beneficiary ID : XXXXXXXXXXXXXXXXXXXX Reference No : XXXXXXXXXXXXXXXXXXXXXXXXXXXXXX Payment for the account of *******581 Amount : SGD ***************999 The Date refers to the Value Date Payer s Name will be defaulted to Company Name unless specified in Batch Detail Record Type 2 using Payer s Name Line 1 & 2 Beneficiary ID will be printed from Batch Detail Record Type 2 using Beneficiary ID Reference No will be printed from Batch Detail Record Type 2 using Customer s Reference Number Payment for the account of *******581 is the beneficiary account Only t he last 3 digits will be displayed United Overseas Bank Limited Co Reg No Z Page 20 of 29

21 d) Payment Advice Details Free Text Format Customer can print Free Text Payment Advice The Payment Advice header line to be provided in the file format under Batch Header Record Type 1 Payment Advice header line, if provided is to be printed in Bold in the beginning of each new page 2 Payment Advice header line of 105 characters each is allowed The advice details to be provided in the file format under Batch Detail Record Type 4 1 detail line of 105 characters each is allowed for each advice details A line skip indicator ( value 1 to 50 ) is used to control the spacing between each detail line advice details will be printed on additional pages where necessary - All details printed using font courier size 8 Examples of Free Text Payment Advice S/NO REFERENCE ITEM QUANTITY AMOUNT DATE UNIT PRICE 1 A-001 HARDDISK 4GB 40 $10, /07/ B-002 KEYBOARD $3, /07/ C-003 MONITOR COLOR 10 $2, /08/ Should you have any queries, please call our 24-Hour ABC hotline on Please notify us immediately if you find any discrepancies on this advice Otherwise we will understand that it is correct 21 days after the value date Thank you for transaction with ABC group This is computer generated letter No signature is required United Overseas Bank Limited Co Reg No Z Page 21 of 29

22 e) Payment Advice Details Fixed Format Customer can print Fixed Format Payment Advice 2 header lines will be printed before the first fixed format advice record For subsequent fixed format advice records, it will also be printed It s not suggested to use the Payment Advice Header Line 1/2 provided in the file format under Batch Header Record Type 1 as fixed header lines are printed For all line of fixed format advice, the pre-formatted header will be inserted before fixed header The advice details to be provided in the file format under Batch Detail Record Type 3 Advice details will be printed as pre-defined position A line skip indicator ( value 1 to 50 ) is used to control the spacing between each detail line advice details will be printed on additional pages where necessary - All details printed using font courier size 8 Format and Example of Fixed Format Payment Advice Pre-formatted Header INVOICE INVOICE NUMBER ITEM CODE GROSS AMOUNT DISC% INVOICE AMOUNT DATE ITEM DESCRIPTION 9999/99/99 XXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX 999,999, ,999, XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX 2007/02/28 FHTK-PMT FPMT , , PAYMENT FOR INVOICE FHTK-PMT United Overseas Bank Limited Co Reg No Z Page 22 of 29

23 f) Payment Advice Examples Mixed with Fixed Format and Free Text Customer can print both Fixed Format Advice and Free Text Advice for one payment as shown in below example *************************************************************************** * * * * * THIS IS A STANDARD ADVICE FROM ABC COMPANY * * * * FOR ILLUSTRATING PAYMENT ADVICE FORMAT * * * * * * FOR INFORMATION ONLY * * * * * * NO FURTHER ACTION REQUIRED * * * * * *************************************************************************** Free Text INVOICE INVOICE NUMBER ITEM CODE GROSS AMOUNT DISC% INVOICE AMOUNT DATE ITEM DESCRIPTION 9999/99/99 XXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX 999,999, ,999, XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX 2007/02/28 FHTK-PMT FPMT , , PAYMENT FOR INVOICE FHTK-PMT DEAR SIR/MDM, Fixed Format SHOULD YOU HAVE ANY QUERIES, PLEASE DO NOT HESITATE TO CALL OUR HOTLINE AT FROM MONDAY TO FRIDAY ( 900 AM TO 530 PM ) Free Text THANK YOU THIS IS A COMPUTER GENERATED LEETER NO SIGNATURE IS REQUIRED ABC TRADING INTERNATIONAL PTE LTD United Overseas Bank Limited Co Reg No Z Page 23 of 29

24 g) Actual Sample Files (the ) ` United Overseas Bank Limited Co Reg No Z Page 24 of 29

25 h) The Actual Attachment extract (Fixed format Type 3 ) i) The Actual Text File format (Fixed Format Type 3 ) 0UIEI RC G NATIRON Batch Number Paymt advice header 1 endheader 2 start end 1IBGIEXP NATIRON XYZ PTE LTD PARTICULARS REF YE1Bene ID:01 ABC Company International 396, Alexandra Road #25-02 UOB Alexandra Building Singapore Singapore SG cmsicom1@uobgroupcom SGDMr Tan A B Finance Department Tel: INV ITEM 1A Books & Reports Annual Report United Overseas Bank Limited Co Reg No Z Page 25 of 29

26 j) The Actual Text Output File format (Fixed Format Type 3 ) 1IBGOTAP NATIRON XYZ PTE LTD REF000 Bene ID:01 ABC Company International 001 Y k) The Actual Attachment extract (Free format Type 4 ) United Overseas Bank Limited Co Reg No Z Page 26 of 29

27 l) The Actual Text File format (Free Format Type 4 ) 0UIEI RC G NATIRON Batch Number Paymt advice header 1 endheader 2 start end 1IBGIEXP NATIRON XYZ PTE LTD PARTICULARS REF YE1Bene ID:01 ABC Company International 396, Alexandra Road #25-02 UOB Alexandra Building Singapore Singapore SG cmsicom1@uobgroupcom SGDMr Tan A B Finance Department Tel: Payment Amount SGD200 Payment for invoice A m) The Actual Text Output File format (Free Format Type 4 ) 1IBGOTAP NATIRON XYZ PTE LTD REF000 Bene ID:01 ABC Company International 001 Y United Overseas Bank Limited Co Reg No Z Page 27 of 29

28 n) The Actual Attachment extract (Combined format Type 3 & 4 ) United Overseas Bank Limited Co Reg No Z Page 28 of 29

29 o) The Actual Text File format (Combined format Type 3 & 4 ) 0UIEI RC G NATIRON Batch Number Paymt advice header 1 endheader 2 start end 1IBGIEXP NATIRON XYZ PTE LTD PARTICULARS REF YE1Bene ID:01 ABC Company International 396, Alexandra Road #25-02 UOB Alexandra Building Singapore Singapore SG cmsicom1@uobgroupcom SGDMr Tan A B Finance Department Tel: INV ITEM 1A Books & Reports Annual Report Payment Amount SGD300 Payment for invoice A p) The Actual Text Output File format (Combined format Type 3 & 4 ) 0UIEI RC G NATIRON Batch Number Paymt advice header 1 endheader 2 start end 1IBGIEXP NATIRON XYZ PTE LTD PARTICULARS REF YE1Bene ID:01 ABC Company International 396, Alexandra Road #25-02 UOB Alexandra Building Singapore Singapore SG cmsicom1@uobgroupcom SGDMr Tan A B Finance Department Tel: INV ITEM 1A Books & Reports Annual Report Payment Amount SGD300 Payment for invoice A United Overseas Bank Limited Co Reg No Z Page 29 of 29