VTB Bank (Deutschland) AG

MT 103 MT 103 - MIP VTBD Format Specifications MT 103 Format Specifications MT 103 Single Customer Credit Transfer
Status M Tag 20 Field Name Sender's Reference Content/Options 16x

-----> repetitive sequence starts O 13C Time Indication /8c/4!n1!x4!n

<----- repetitive sequence ends M 23B Bank Operation Code 4!c

-----> repetitive sequence starts O 23E Instruction Code 4!c[/30x]

<----- repetitive sequence ends O M O O M 26T 32A 33B 36 50a Transaction Type Code
Value Date/Currency/Interbank Settled Amount

Not used in Germany 6!n3!a15d 3!a15d 12d Option A [/34x] (Account) 4!a2!a2!c[3!c] (BIC/BEI) Option K [/34x] (Account) 4*35x (Name & Address) Option F 35x (Party Identifier) 4*35x (Name & Address) A or D /D/10 digits

Currency/Instructed Amount Exchange Rate Ordering Customer: Account number Code / Identifier (Option F) Name & Address

Option F is preferred Option

O M

52A 53B

Ordering Institution Sender's Correspondent

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Status

Tag

Field Name Account

Content/Options your account number A, B, or D currently not in use A, C, or D A, B, C, or D Option A [/34x] 4!a2!a2!c[3!c] (Account) (BIC/BEI) No letter option /34 digits 4 lines 35 digits each

O O O O M

54a 55a 56A 57A 59a

Receiver's Correspondent Third Reimbursement Institution Intermediary Institution Account With Institution Beneficiary Customer: Account number Name and Adress

O M

70 71A

Remittance Information Details of Charges

4*35x OUR / SHA / BEN

-----> repetitive sequence starts O 71F Sender's Charges Example: :71F:EUR8,00 <----- repetitive sequence ends O O 71G 72 Receiver's Charges Sender to Receiver Information currently not in use 6*35x Example:

Line 1: /ACC/Branch 2
Lines 2-6: //............ slashes are set by the system O O 77B 77T Regulatory Reporting Envelope Contents M = Mandatory O = Optional currently not in use currently not in use

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Beside this description MIP covers the full SWIFT Standard. MT 103 Field Specifications 1. Field 20: Sender's Reference

FORMAT 16x DEFINITION This field specifies the reference assigned by the Sender to unambiguously identify the message. MIP VTBD VALIDATED RULES This field shouldnt start or end with a slash '/' and shouldnt contain two consecutive slashes '//'. 2. Field 13C: Time Indication

FORMAT Option C /8c/4!n1!x4!n (Code)(Time indication)(Sign)(Time offset) DEFINITION This repetitive field specifies one or several time indication(s) related to the processing of the payment instruction. CODES One of the following codes may be used, placed between slashes ('/'): CLSTIME The time by which the funding payment must be credited, with confirmation, to the CLS Bank's account at the central bank, expressed in Central European Time (CET). RNCTIME The time at which a TARGET payment has been credited at the receiving central bank, expressed in Central European Time (CET). SNDTIME The time at which a TARGET payment has been debited at the sending central bank, expressed in Central European Time (CET). MIP VTBD VALIDATED RULES Time indication must be a valid time expressed as HHMM. Sign is either "+" or "-". Time offset is expressed as 'HHMM', where the hour component, that is, 'HH', must be in the range of 00 through 13, and the minute component, that is, 'MM' must be in the range of 00 through 59. Any 'HH' or 'MM' component outside of these range checks will be disallowed.

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3.

Field 23B: Bank Operation Code

FORMAT Option B 4!c (Type) DEFINITION This field identifies the type of operation. CODES CRED This is the Standard Code in MIP VTBD. 4. Field 23E: Instruction Code

FORMAT Option E 4!c[/30x] (Instruction)(Additional Information) DEFINITION This field specifies an instruction. CODES: Instructions must contain one of the following codes: SDVA Payment must be executed to the beneficiary with same day value. INTC The payment is an intra-company payment, i.e., a payment between two companies belonging to the same group. REPA Payment has a related e-Payments reference. CORT Payment is made in settlement of a trade, e.g., foreign exchange deal, securities transaction. HOLD Beneficiary customer/claimant will call; pay upon identification. CHQB Pay beneficiary customer only by cheque. The optional account number line in field 59 must not be used. PHOB Please advise/contact beneficiary/claimant by phone. TELB Please advise/contact beneficiary/claimant by the most efficient means of telecommunication. PHON Please advise account with institution by phone. TELE Please advise account with institution by the most efficient means of telecommunication. PHOI Please advise the intermediary institution by phone. TELI Please advise the intermediary institution by the most efficient means of telecommunication.

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When this field is used more than once, the following combinations are not allowed: SDVA SDVA INTC INTC REPA REPA REPA CORT CORT HOLD PHOB PHON PHOI with with with with with with with with with with with with with HOLD CHQB HOLD CHQB HOLD CHQB CORT HOLD CHQB CHQB TELB TELE TELI

If this field is repeated, the same code word must not be present more than once. 5. Field 26T: Transaction Type Code

This field is not used in Germany. 6. Field 32A: Value Date/Currency/Interbank Settled Amount 6!n3!a15d (Date)(Currency)(Amount)

FORMAT Option A

DEFINITION This field specifies the value date, the currency and the settlement amount. The settlement amount is the amount to be booked/reconciled at interbank level. MIP VTBD VALIDATED RULES Date must be a valid date expressed as YYMMDD

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7.

Field 33B: Currency/Instructed Amount

FORMAT Option B 3!a15d (Currency)(Amount) DEFINITION This field specifies the currency and amount of the instruction. This amount is provided for information purposes and has to be transported unchanged through the transaction chain. 8. Field 36: Exchange Rate

FORMAT 12d (Rate) DEFINITION This field specifies the exchange rate used to convert the instructed amount specified in field 33B. 9. Field 50a: Ordering Customer

This field specifies the customer ordering the transaction. Option A Option F Option K [/34x] 4!a2!a2!c[3!c] 35x 4*35x [/34x] 4*35x (Account) (Identifier Code) (Party Identifier) (Name & Address) (Account) (Name & Address)

According to the Money Laundering Act, the complete name & address and account number (Option K), BEI (SWIFT Entity Identifier) Option A OR other identification data (Option F) of the sender must be entered. The preferred option is F. Format field 50F: In option F the following line formats must be used: Line 1 (subfield Party Identifier) Lines 2-5 (subfield Name & Address) or
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/34x 1!n/33x

(Account Number) (Number)(Details)

VTB Bank (Deutschland) AG

Line 1 (subfield Party Identifier) Lines 2-5 (subfield Name & Address) Codes:

4!a/2!a/27x 1!n/33x

(Code)(Country Code)(Identifier) (Number)(Details)

In option F, when subfield 1 Party Identifier is used with the (Code)(Country Code)(Identifier) format, one of the following codes must be used: ARNU Alien Registration Number CCPT CUST Passport Number Customer Identification Number Driver's License Number Employer Number National Identity Number Social Security Number Tax Identification Number The code followed by a slash, '/' must be followed by the ISO country code, a slash, '/' and the Alien Registration Number The code followed by a slash, '/' must be followed by the ISO country code, a slash, '/' and the Passport Number. The code followed by a slash, '/' must be followed by the ISO country code of the issuer of the number, a slash, '/', the issuer of the number, a slash, '/' and the Customer Identification Number. The code followed by a slash, '/' must be followed by the ISO country code of the issuing authority, a slash, '/', the issuing authority, a slash, '/' and the Driver's License Number. The code followed by a slash, '/' must be followed by the ISO country code of the registration authority, a slash, '/', the registration authority, a slash, '/' and the Employer Number. The code followed by a slash, '/' must be followed by the ISO country code, a slash, '/' and the National Identity Number. The code followed by a slash, '/' must be followed by the ISO country code, a slash, '/' and the Social Security Number. The code followed by a slash, '/' must be followed by the ISO country code, a slash, '/' and the Tax Identification Number.

DRLC

EMPL

NIDN SOSE TXID

In option F, each line of subfield 2 Name & Address when present must start with one of the following numbers: 1 Name of the ordering customer Address Line The number followed by a slash, '/' must be followed by the name of the ordering customer (where it is recommended that the surname precedes given name(s)). The number followed by a slash, '/' must be followed by an Address Line (Address Line can be used to provide for example, street name
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and number, or building name). 3 Country and Town The number followed by a slash, '/' must be followed by the ISO country code, a slash '/' and Town (Town can be complemented by postal code (for example zip), country subdivision (for example state, province, or county). The number followed by a slash, '/' must be followed by the Date of Birth in the YYYYMMDD format. The number followed by a slash, '/' must be followed by the ISO country code, a slash '/' and the Place of Birth. The number followed by a slash, '/' must be followed by the ISO country code of the issuer of the number, a slash, '/', the issuer of the number, a slash, '/' and the Customer Identification Number.

4 5 6

Date of Birth Place of Birth Customer Identification Number

7 8

National Identity The number followed by a slash, '/' must be followed by the ISO Number country code, a slash, '/' and the National Identity Number. Additional Information The number followed by a slash, '/' is followed by information completing one of the following: the Identifier provided in subfield 1 (Party Identifier) used with the (Code)(Country Code)(Identifier) format. the Customer Identification Number provided in subfield 2 (Name & Address) with number 6. the National Identity Number provided in subfield 2 (Name & Address) with number 7.

MIP VTBD VALIDATED RULES When using Option A: Identifier Code must be a registered BIC or BEI. In option F, subfield 1 (Party Identifier) used with the (Code)(Country Code)(Identifier) format: Country Code must be a valid ISO country code. In option F, subfield 2 (Name & Address): The first line must start with number 1. Numbers must appear in numerical order. Number 2 must not be used without number 3. Number 4 must not be used without number 5 and vice versa. Number 4 must be followed by a valid date in the format YYYYMMDD and this date, local to the sender, must not be later than the date on which the message is successfully sent to MIP VTBD. Numbers 3, 5, 6 and 7 must be followed by a valid ISO country code, a slash '/' and additional Details. Numbers 3, 4, 5, 6, 7 and 8 must not be repeated. The use of number 8 is only allowed in the following instances: o to continue information on the Identifier of the ordering customer provided in subfield 1 (Party Identifier) used with the (Code)(Country Code)(Identifier) format.
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o to continue information on the Customer Identification Number provided in subfield 2 (Name & Address) following number 6. o to continue information on the National Identity Number provided in subfield 2 (Name & Address) following number 7. USAGE RULES If the account number of the ordering customer is present, it must be stated in Account. In option F, subfield 2 (Name & Address): Numbers 1 and 2 may be repeated. In option F, subfield 1 (Party Identifier) used with the (Code)(Country Code)(Identifier) format: if additional space is required for providing the Identifier of the ordering customer, one of the following options must be used: 1. First option (preferred): 2. Second option: Identify the ordering customer with a different identifier where the length is not an issue. Continue the information in subfield 2 (Name & Address) using number 8.

In option F, subfield 2 (Name & Address): if additional space is required for providing the Customer Identification Number (number 6) or the National Identity Number (number 7) of the ordering customer, one of the following options must be used: 1. First option (preferred): 2. Second option: Identify the ordering customer with a different identifier where the length is not an issue. Continue the information in subfield 2 (Name & Address) using number 8.

Examples Option F - Example 1 :50F:/12345678 1/SMITH JOHN 2/299, PARK AVENUE 3/US/NEW YORK, NY 10017 Option F - Example 2 :50F:/BE30001216371411 1/PHILIPS MARK 4/19720830 5/BE/BRUSSELS Option F - Example 3 :50F:DRLC/BE/BRUSSELS/NB0949042 1/DUPONT JACQUES 2/HIGH STREET 6, APT 6C 3/BE/BRUSSELS Option F - Example 4 :50F:NIDN/DE/121231234342 1/MANN GEORG 6/DE/ABC BANK/1234578293

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Option F - Example 5 :50F:CUST/DE/ABC BANK/123456789/8-123456 1/MANN GEORG 2/LOW STREET 7 3/DE/FRANKFURT 8/7890 This means that the customer identification number of Mann Georg assigned by ABC Bank is 123456789/8-1234567890.

10.

Field 52a: Ordering Institution [/1!a][/34x] 4!a2!a2!c[3!c] [/1!a][/34x] 4*35x (Party Identifier) (Identifier Code) (Party Identifier) (Name & Address)

Option A Option D

DEFINITION This field specifies the ordering institution when other than the Sender of the message. MIP VALIDATED RULES Identifier Code must be a registered financial institution BIC 11. Field 53a: Sender's Correspondent

This field specifies your account with VTBD from which the payment has to be debited. Option B [/1!a][/34x] [35x] (Party Identifier) (Location)

53B:/D/1234567890 12. Field 54a: Receiver's Correspondent [/1!a][/34x] 4!a2!a2!c[3!c] [/1!a][/34x] [35x] [/1!a][/34x] 4*35x (Party Identifier) (Identifier Code) (Party Identifier) (Location) (Party Identifier) (Name & Address)

Option A Option B Option D

DEFINITION This field specifies the branch of the Receiver or another financial institution at which the funds will be made available to the Receiver.
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MIP VTBD VALIDATED RULES Identifier Code must be a registered financial institution BIC. 14. Field 56a: Intermediary Institution [/1!a][/34x] 4!a2!a2!c[3!c] /34x [/1!a][/34x] 4*35x (Party Identifier) (Identifier Code) (Party Identifier) (Party Identifier) (Name & Address)

Option A Option C Option D

DEFINITION This field specifies the financial institution through which the transaction must pass to reach the account with institution. MIP VTBD VALIDATED RULES Identifier Code must be a registered financial institution BIC 15. Field 57a: Account With Institution [/1!a][/34x] 4!a2!a2!c[3!c] [/1!a][/34x] [35x] /34x [/1!a][/34x] 4*35x (Party Identifier) (Identifier Code) (Party Identifier) (Location) (Party Identifier) (Party Identifier) (Name & Address)

Option A Option B Option C Option D

DEFINITION This field specifies the financial institution which services the account for the beneficiary customer. MIP VTBD VALIDATED RULES Identifier Code must be a registered financial institution BIC USAGE RULES When field 57a is not present, it means that the Receiver is also the account with institution. Option A is the preferred option. Option C must be used containing a 2!a clearing system code preceded by a double slash '//'. Option D must only be used in exceptional circumstances: when the party cannot be identified by a financial

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institution BIC, when there is a need to be able to specify a name and address, for example, due to regulatory considerations or when there is a bilateral agreement between the Sender and the Receiver permitting its use. 16. Field 59a: Beneficiary Customer [/34x] 4*35x [/34x] 4!a2!a2!c[3!c] (Account) (Name & Address) (Account) (Identifier Code)

No letter option Option A

DEFINITION This field specifies the customer which will be paid. 17. 4*35x Field 70: Remittance Information (Narrative)

DEFINITION This field specifies either the details of the individual transaction or a reference to another message containing the details which are to be transmitted to the beneficiary customer. 18. Field 71A: Details of Charges 3!a (Code)

Option A

DEFINITION This field specifies which party will bear the charges for the transaction. CODES One of the following codes must be used. BEN/SHA OUR All transaction charges are to be borne by the beneficiary customer. All transaction charges are to be borne by the ordering customer.

SHA or OUR means our charges will be debited to your account, all the other to together with /SPLIT/ the beneficiarys account. in field 72

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19.

Field 71F: Sender's Charges

FORMAT Option F 3!a15d (Currency)(Amount) DEFINITION This repetitive field specifies the currency and amount of the transaction charges deducted by the Sender and by previous banks in the transaction chain. USAGE RULES These fields are conveyed for transparency reasons. The net amount after deduction of the Sender's charges will be quoted as the inter-bank settled amount in field 32A. This field may be repeated to specify to the Receiver the currency and amount of charges taken by preceding banks in the transaction chain. Charges should be indicated in the order in which they have been deducted from the transaction amount, that is, the first occurrence of this field specifies the charges of the first bank in the transaction chain that deducted charges; the last occurrence always gives the Sender's charges. 20. Field 71G: Receiver's Charges

Currently not in use 21A. 6*35x Field 72: Sender to Receiver Information (Narrative - Structured Format)

The following line formats must be used: Line 1 Lines 2-6 /8c/[additional information] [//continuation of additional information] or [/8c/[additional information]]

DEFINITION This field specifies additional information for the Receiver or other party specified. Codes: Please be informed that the usage of this codes (except INS followed by a valid BIC) will cause REPAIR Charges. ACC INS INT Instructions following are for the account with institution. The institution which instructed the Sender to execute the transaction. Instructions following are for the intermediary institution.
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REC

Instructions following are for the Receiver of the message.

USAGE RULES Field 72 must never be used for information for which another field is intended. Each item for which a code exists must start with that code and may be completed with additional information. Each code used must be between slashes and appear at the beginning of a line. It may be followed by additional narrative text. Narrative text relating to a preceding code, which is continued on the next line(s), must start with a double slash '//', and, if used, must begin on a new line. Narrative text should preferably be the last information in this field. Use of field 72, particularly with uncoded instructions, may cause delay, because, in automated systems, the presence of this field will normally require manual intervention. 21B. Field 72: Special VTBD Codes

/SPLIT/ + Field 71A = SHA or OUR = Charges of ordering customer institution to be paid by ordering customer, all other charges to be paid by beneficiary. No other text in this line is allowed. No REPAIR Charges will apply. /URGENT/ or /EARLY/ or /PRIORITY/ = Your payment will be send with high priority. No REPAIR charges will apply. *Please be aware that PRIORITY/EARLY/URGENT payments will have preferred access to the balance on the account. If there are several priority payments they will be processed according to the rule FIFO (first in first out). All payment orders without priority will be processed only when all priority payments are executed. /FND//PREADV/ for USD payments outside USA pay in full (available on request, please contact your account manager) Please make sure that no other information is given in the line where our codewords are used 22. Field 77B: Regulatory Reporting

Currently not in use 23. Field 77T: Envelope Contents

Currently not in use

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