USER GUIDE

For the

ELECTRONIC MANAGEMENT INFORMATION SERVICE (EMIS)

VERSION 3.0 January 2011

The information contained in this document is confidential and must not be reproduced in any form without the prior permission of WorldPay (UK) Ltd. The information contained in this document is believed correct as at the version date WorldPay (UK) Ltd reserves the right to amend this document as and when required. Whilst every effort is made to ensure the accuracy of the information contained in this document, WorldPay (UK) Ltd accepts no liability for any loss (however caused) sustained as a result of any error or omission.

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Contents
1. 2. 3. 4. 5. 6. 7. 8. CHANGE CONTROL ................................................................................................................... 4 WHO IS THIS GUIDE AIMED AT? ........................................................................................... 5 WHAT IS EMIS? ........................................................................................................................... 5 WHAT THIS GUIDE CANNOT DO............................................................................................ 5 THE MAIN EMIS MODULES ..................................................................................................... 5 TESTING ........................................................................................................................................ 6 SOME IMPORTANT INFORMATION ...................................................................................... 6 RFI AND CHARGEBACK INFORMATION ............................................................................. 7 8.1 8.2 8.3 8.4 8.5 8.6 9. 10. 10.1 10.2 11. 11.1 11.2 11.3 11.4 11.5 12. 13. MASTERCARD AND VISA RFI (UK DOMESTIC) ..................................................................... 7 MASTERCARD AND VISA RFI (INTERNATIONAL) ................................................................ 8 DOMESTIC MAESTRO AND SOLO RFI (UK DOMESTIC) .......................................................... 9 MASTERCARD AND VISA CHARGEBACK (UK DOMESTIC) ..................................................... 9 MASTERCARD AND VISA CHARGEBACK (INTERNATIONAL).............................................. 10 DOMESTIC MAESTRO AND SOLO CHARGEBACK (UK DOMESTIC)........................................ 11

TRANSACTION RECONCILIATION INFORMATION ....................................................... 12 FRAUD DETAILS.................................................................................................................... 17 DAILY FRAUD FILE.................................................................................................................. 17 MONTHLY FRAUD FILE ........................................................................................................... 18 CURRENCY PROCESSING AND SETTLEMENT INFORMATION .............................. 19 NBT339: DAILY CURRENCY PROCESSING SUMMARY ............................................................. 19 NBT505: DAILY CURRENCY SETTLEMENT SUMMARY ............................................................ 20 NBT504: DAILY CURRENCY SETTLEMENT SUMMARY ............................................................ 20 NBT506: MONTHLY CURRENCY SETTLEMENT SUMMARY ...................................................... 26 NBT507: MONTH TO DATE CURRENCY SETTLEMENT SUMMARY ........................................... 27 STREAMLINE INVOICE INFORMATION ........................................................................ 29 STREAMLINE BIN DATA ..................................................................................................... 31

13.1 GENERAL ISO CPT BIN FILE (INCLUDES ISSUER NAME FIELD IF APPLICABLE) ....................... 31 13.2 GENERAL BIN FILE ................................................................................................................. 31 13.3 GENERAL ISO BIN FILE ........................................................................................................... 32 13.4 ISSUER BIN FILE ..................................................................................................................... 32 13.5 ISSUER ISO BIN FILE .............................................................................................................. 32 13.6 DYNAMIC CURRENCY CONVERSION (DCC) BIN FILE ............................................................. 33 14. APPENDICES........................................................................................................................... 34
Appendix A Appendix B Appendix C1 Appendix C2 Appendix C3 Appendix D Appendix E Appendix F1 Appendix F2 Appendix G Appendix H1 Appendix H2 Appendix H3 EMIS Module Summary .................................................................................................... 35 Chargeback File Interpretation ........................................................................................... 36 Reconciliation File Interpretation: Non-domestic.............................................................. 37 Reconciliation File Interpretation: UK Domestic GBP...................................................... 38 Suggested Reconciliation File Extract ............................................................................... 39 Daily Fraud File Interpretation........................................................................................... 40 Card Scheme Summary by Outlet (NBT339) File Interpretation ....................................... 41 Daily Non-sterling Net Settlement Report (NBT505) .csv (variable) Format.................... 42 Daily Non-sterling Net Settlement Report (NBT504) .csv (variable) Format.................... 44 Monthly Non-sterling Net Settlement Report (NBT506) .csv (variable) Format ............... 45 General ISO CPT BIN file (Includes Issuer Name if applicable) ...................................... 46 Issuer BIN file ................................................................................................................... 47 DCC BIN file .................................................................................................................... 48

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Appendix I Streamline Invoice Information ............................................................................................... 49 Appendix J NBT505 Sundry Items ............................................................................................................. 50 Appendix K Card Product Type Codes....................................................................................................... 51

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EMIS 1. Change Control

User Guide Version 3.0

The table below list the changes to User guide to EMIS Version 2 dated October 2010. 5 5 7 19 19 20 20 20-24 31 31 41 42 Section 2 Who is this guide aimed at? Section 5 BIN Files New wording describing the guidelines on how BIN files should be used Section 8 RFI & Chargebacks, reference to Switch has been removed Section 11.1 NBT 339 Daily Currency Processing Summary reference to Card Scheme has been replaced by Card Product Type, apart from when a reference is made to Visa or MasterCard Section 11.1 NBT 339 Daily Currency Processing Summary Fields 12-16 Reference to Card Scheme has been replaced by Card Product Type Section 11.2 Title Heading NBT 504 Daily Currency Settlement Summary has been replaced by NBT 505 Daily Currency Settlement Summary Section 11.2 NBT 505 Daily Currency Settlement Summary A new paragraph has been added describing the replacement of NBT 504 file Section 11.2 New NBT 505 Daily Currency Settlement Summary file Section 13 Streamline BIN Data. New guidance on how BIN files should be used New Section 13.1 General ISO CPT BIN file (Including Issuer Name if applicable) has replaced the current version of the General BIN File Appendix E Card Scheme has been replaced by Card Product Type New Appendix F1 Daily Non-Settlement Net Settlement Report (NBT 505) variable format Appendix G2 Monthly Non-Sterling Net Settlement Report (NBT 506).rep (csvrep) has been removed Appendix G3 Monthly Non-Sterling Net Settlement Report (NBT 506).txt (report) has been removed New Appendix H1 General ISO CPT BIN file (Also includes Issuer Name if applicable) Appendix I - Streamline Invoice Information Card Scheme header has been replaced by Card Product Type. All card scheme examples have been replaced by Card Product Types Appendix J NBT505 Sundry Items NBT 504 has been replaced by NBT 505 Appendix K Card Product Type Codes Table has been updated

46 49 50 51

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2.

Who is this Guide aimed at?

This Guide is aimed at end-users of the data provided by Streamlines EMIS service. It explains what the data is, where it comes from, and how it relates to other data provided by Streamline. EMIS consists of a number of separate modules and you should therefore agree with your Streamline Sales/Account Manager as to which individual modules you require. You may not need all the data that Streamline provides, and accordingly your developers will only need to integrate those fields within the various modules described in the document which meet your business needs. It is NOT aimed at technical IT staff they need the separate EMIS Technical Specification document which explains how to collect and interpret the data files. This document assumes that your organisation has applied the necessary internal IT technical resources to ensure that the EMIS data: is downloaded from Streamline each day/week/month as appropriate is imported it into your own office systems is formatted and available for you to use If this is not the case, then you need to arrange for IT input to achieve this.

3.

What is EMIS?

EMIS stands for Electronic Management Information System. EMIS provides the capability for your organisation to download raw data files containing detailed information about card transactions that we have processed on your behalf.

4.

What this Guide cannot do

This Guide cannot tell you what your data looks like, or how it is presented to you. This is determined by what your IT staff have done with the data in order to make it available to you, and where they have stored it. You need to find out from them where it is and how you can access it and cross-reference it with other data from your own IT systems. It cannot tell you what you need to do with the data, or how you use it. That is for you to decide once you understand what the data represents only you can decide the best way to interpret the data to help you in your day to day activities.

5.

The Main EMIS Modules

There are a number of EMIS modules, but the main EMIS modules are described over the following pages: RFI and Chargebacks Streamline Transaction Reconciliation Fraud Data Currency Processing and Settlement Streamline Invoice Information BIN data - PLEASE NOTE: According to the Visa International rules, section 5.1.B Honouring Cards you must accept all payments presented to you. BIN File data must only be used for anti-fraud purposes and/or DCC processing. It must NOT be used to restrict certain BIN ranges or to configure point of sales terminals. If you require any further information please contact us. Page 5 of 54

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Refer to each section to see details of exactly what fields are reported in the modules, and where the data come from. The Field numbers provided below correspond to the Field Numbers in the EMIS Technical Specification Version 15. Reserved or Null fields are not given.

6.

Testing

EMIS data is not available from data processed though the Streamline Test system. If you require example data prior to your submission of live customer data into Streamline, we recommended that you work through a live proving stage from which EMIS data can be taken.

7.

Some Important Information

There are some concepts that are vital for your understanding of how the data is structured and grouped: Processing Date the date on which Streamline processed your transaction usually the first weekday after you submit the transaction to us for processing. Note that this will always be later than the date you took the transaction. While Streamline will accept and store submissions of transactions on every day of the year, we only process those transactions on UK working weekdays. This means that transactions submitted on Fridays, Saturdays and Sundays will be processed by us on the following Monday. UK public holidays will further extend the timescales. For example at Easter, Streamline will process transactions on the Tuesday after the Friday-to-Monday public holiday and these transactions will relate to those submitted to us between Thursday and Monday. Acquired/Processed transactions from certain Card Schemes are handled differently by Streamline, at the request of the card scheme. Acquired transactions mean that we will settle to you for the value of the transaction. The value will be included in a credit from Streamline to your nominated bank account, and we will be able to answer any queries relating to the acquisition of the transaction. Processed transactions are ones that we merely collect from you and pass to another acquirer for settlement. In these cases, the credit to your bank account will come from the other acquirer. Examples are Diners Card and American Express. You will need to contact them if you have any queries about the acquisition of these transactions. Accepted/Pending/Rejected Most transactions are Accepted they flow from your system through ours without any problems. On occasion, however, we may find something wrong with the transaction, in which case we are unable to handle it. Initially such problematic transactions will have a status of Pending, while we investigate them. We will try to cure the problem so that they can flow on through our system, but there may be one or more days delay as a result. If we are unable to correct the problem, then we will classify them as Rejected, and we will have to hand them back to you for investigation we will write to you with full details about why they rejected, and suggest further action for you to take.

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EMIS 8. RFI and Chargeback Information

User Guide Version 3.0

RFI and Chargeback files contain the information given in the Request for Information and Chargeback letters produced during a given days processing. The data is provided as a supplement to the physical letters that will continue to be produced and despatched. The obligation to respond will be indicated by the standard letter EMIS will purely be providing early advice. Files are produced daily. Empty files are produced when there is no information to be reported. Note that if a merchant has both UK Domestic and International (Non-domestic) Companies set up to receive EMIS they may need to pull back up to three files for RFIs (i.e. MCI/Visa UK Domestic, MCI/Visa International, Solo) and three similar files for Chargebacks. The format of the MCI/Visa files differs slightly depending on whether the Company number is UK Domestic or International. The International file includes a status field, instead of the cardscheme, as well as local and crediting currencies and amounts The data provided by Streamline includes the following fields for each Request for Information (RFI) and Chargeback record:

8.1

MasterCard and Visa RFI (UK DOMESTIC)

MasterCard and Visa RFI Details Field 1 2 3 4 Name Record Type Acquirer Reference No PAN Cardscheme Description 05 Streamlines reference number for the original transaction. May be blank. Primary Account Number the card number MSC=MasterCard DMC=Debit MasterCard VIS=Visa DEL=Visa Delta The 8-character ID used to identify the merchant Outlet and its transaction currency. Your reference for this transaction provided this has been processed successfully. Will be blank if you did not provide a reference with the original transaction or may be a Streamline default value. The date when you took the transaction as advised by you to us, in DDMMYYYY format. The amount of the transaction in minor units (pence). 826=Sterling Streamlines unique reference given to this RFI, e.g. 002LG9. Narrative giving the reason for this Request for Information, Date on which Streamline processed the original transaction.

5 6

Outlet ID Originators Transaction Reference Transaction Date Transaction Amount Transaction Currency Card Centre Ref RFI Reason Process Date

7 8 9 10 11 12

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MasterCard and Visa RFI (INTERNATIONAL)

MasterCard and Visa RFI Details Field 1 2 3 4 5 6 Name Record Type Acquirer Reference No PAN Status Outlet ID Originators Transaction Reference Ticket Transaction Date Transaction Amount Transaction Currency Credit Amount Crediting Currency Card Centre Ref RFI Reason Process Date Visa CRM reference Description 05 Streamlines reference number for the original transaction. May be blank. Primary Account Number the card number 20=RFI Letter sent. 25=RFI Chaser Letter sent The 8-character ID used to identify the merchant Outlet and its transaction currency. Your reference for this transaction provided this has been processed successfully. Will be blank if you did not provide a reference with the original transaction or may be a Streamline default value. Airline Ticket Number. Not always present The date when you took the transaction as advised by you to us, in DDMMYYYY format. The amount of the transaction in minor units The currency in which the transaction was taken given as the three character ISO alpha currency code (e.g. EUR). The Transaction Amount expressed in minor units in the currency in which we settled this transaction to you. The currency in which we settled with you given as the three character ISO alpha currency code (e.g. USD). Streamlines unique reference given to this RFI, e.g. 002LG9. Narrative giving the reason for this Request for Information, Date on which Streamline processed the original transaction. Visa Copy Request Management number a unique reference number. May be blank. For Office use only.

7 8 9 10 11 12 13 14 15 17

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Domestic Maestro and Solo RFI (UK DOMESTIC)

Domestic Maestro and Solo RFI Details Field 1 3 5 6 Name Record Type PAN Outlet ID Originators Transaction Reference Transaction Date Transaction Amount Card Centre Ref RFI Reason Process Date Description 05 Primary Account Number the card number The 8-character ID used to identify the merchant Outlet and its transaction currency. Your reference for this transaction provided this has been processed successfully. Will be blank if you did not provide a reference with the original transaction or may be a Streamline default value. The date when you took the transaction as advised by you to us, in DDMMYYYY format. The amount of the transaction in minor units (pence). Streamlines unique reference given to this RFI, e.g. 002LG9. Narrative giving the reason for this Request for Information, Date on which Streamline processed the original transaction.

7 8 10 11 12

8.4

MasterCard and Visa Chargeback (UK DOMESTIC)

MasterCard and Visa Chargeback Details Field 1 2 3 4 Name Record Type Acquirer Reference No PAN Cardscheme Description 05 Streamlines reference number for the original transaction. May be blank. Primary Account Number the card number MSC=MasterCard DMC=Debit MasterCard VIS=Visa DEL=Visa Delta The 8-character ID used to identify the merchant Outlet and its transaction currency. Your reference for this transaction provided this has been processed successfully. Will be blank if you did not provide a reference with the original transaction or may be a Streamline default value. The date when you took the transaction as advised by you to us, in DDMMYYYY format. The amount of the transaction in minor units (pence). 826=Sterling Streamlines unique reference given to this RFI, e.g. 002LG9. Narrative giving the reason for this Chargeback, Date on which Streamline processed the original transaction. D=Debit (Sale) C=Credit (Refund) The amount charged back. This will always be the same as the Transaction Amount in the case of a partial chargeback, the Transaction Amount is still given.

5 6

Outlet ID Originators Transaction Reference Transaction Date Transaction Amount Transaction Currency Card Centre Ref Chargeback Reason Process Date Transaction Type Chargeback Amount

7 8 9 10 11 12 13 14

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MasterCard and Visa Chargeback (INTERNATIONAL)

MasterCard and Visa Chargeback Details Field 1 2 3 4 Name Record Type Acquirer Reference No PAN Status Description 05 Streamlines reference number for the original transaction. May be blank. Primary Account Number the card number 70=First Chargeback letter sent. 74=Advice of Net Settlement Letter sent (for merchants who receive settlement in a currency other than Sterling). 75=Advice of Credit/Debit sent (for merchants who receive settlement in Sterling). The 8-character ID used to identify the merchant Outlet and its transaction currency. Your reference for this transaction provided this has been processed successfully. Will be blank if you did not provide a reference with the original transaction or may be a Streamline default value. Airline Ticket Number. Not always present The date when you took the transaction as advised by you to us, in DDMMYYYY format. The amount of the transaction in minor units The currency in which the transaction was taken given as the three character ISO alpha currency code (e.g. EUR). The Transaction Amount expressed in minor units in the currency in which we settled this transaction to you. The currency in which we settled with you given as the three character ISO alpha currency code (e.g. USD). Streamlines unique reference given to this Chargeback, e.g. 002LG9. Narrative giving the reason for this Chargeback, Date on which Streamline processed the original transaction. D=Debit (Sale) C=Credit (Refund) The amount charged back, expressed in the Crediting Currency. This will always be the same as the Credit Amount in the case of a partial chargeback, the Credit Amount is still given.

5 6

Outlet ID Originators Transaction Reference Ticket Transaction Date Transaction Amount Transaction Currency Credit Amount Crediting Currency Card Centre Ref Chargeback Reason Process Date Transaction Type Chargeback Amount

7 8 9 10 11 12 13 14 15 16 17

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Domestic Maestro and Solo Chargeback (UK DOMESTIC)

Domestic Maestro and Solo Chargeback Details Field 1 3 5 6 Name Record Type PAN Outlet ID Originators Transaction Reference Transaction Date Transaction Amount Card Centre Ref Chargeback Reason Description 05 Primary Account Number the card number The 8-character ID used to identify the merchant Outlet and its transaction currency. Your reference for this transaction provided this has been processed successfully. Will be blank if you did not provide a reference with the original transaction or may be a Streamline default value. The date when you took the transaction as advised by you to us, in DDMMYYYY format. The amount of the transaction in minor units (pence). Streamlines unique reference given to this chargeback, e.g. 002LG9. Narrative giving the reason for this chargeback.

7 8 10 11

See Appendix B for interpretation of these files.

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EMIS 9.

User Guide Version 3.0 Transaction Reconciliation Information

This file lists all transactions processed by Streamline in any particular daily processing run detailing by individual transaction the status (Accepted, Pending or Rejected) of those transactions. Associated transaction information such as card expiry date, transaction amount, authorisation code, transaction reference, local and settlement currencies, and local and settlement values are also given. It does not contain details of, or summaries by, card type. The file also contains Outlet, Company and File hash total summaries. The Outlet summary (type 10 record) will always summarise the associated Outlet batch in the local currency. If only one currency is involved the hash totals at Company and File level may also be used as summaries of the associated data. However, if several transaction and crediting currencies are involved the Company (type 05 record) and File (type 00 record) summaries will be hash numeric totals of mixed currencies. The information in this file reflects what is reported in standard Streamline International Reports. These are the Terminal Transaction Report (a list of processed transactions shown as A on the EMIS reconciliation file); Batch Held Pending Analysis (reflected as P in the reconciliation file); and the Batch Held Correction Analysis report (shown in the reconciliation file as R if rejected, or A if forced through). These reports are available electronically, if required. A transaction may show as status P if it is rejected during validation for a transaction-level error (for example invalid authorisation code or invalid check digit). These transactions may either be forced through and processed (as in the case of a recently expired card) or deleted (as in the case of an incorrect PAN or check digit). If forced through, a transaction showing as P one day will show as A the next; if deleted it will show as R. Any deletions are notified separately by post, or in Streamline Exception reports, which can be made available electronically. All cardschemes acquired by, or routed through, Streamline International are reported in this file (including American Express, JCB and Diners Club). The file is produced daily. An empty file is produced when there is no information to be reported. There are minor differences in the way Domestic and International Currency data is presented please see Appendices C1 and C2 for interpretations of Reconciliation files. Note that the transactions are grouped by Streamline Processing Date. The information supplied is split into the following elements: Summary Details Field 1 2 3 4 5 6 Name Record Type Sequence No File ID Count Accepted Credits Rejected Credits Description 00 Always 00000001 Always 0000000000921 The number of Company level (05) records in the file, and therefore the number of Company level batches we have processed for you. The hash value in minor units of all the Refund transactions in this file which have been successfully processed by Streamline. The hash value in minor units of all the Refund transactions in this file which have been rejected by Streamline processing. These may have failed at first attempt, or may Page 12 of 54

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have been Pending, but proved impossible to edit and force through. The hash value in minor units of all the Refund transactions in this file which have been rejected at first attempt by Streamline processing. These transactions will be investigated to see if they can be edited in some way and reprocessed. As Field No 2 but referring to Sale transactions. As Field No 3 but referring to Sale transactions. As Field No 4 but referring to Sale transactions. The total number of Refund transactions in this file which have been successfully processed by Streamline. The total number of Refund transactions in this file which have been rejected by Streamline processing. These may have failed at first attempt, or may have been Pending, but proved impossible to edit and force through. The total number of Refund transactions in this file which have been rejected at first attempt by Streamline processing. These transactions will be investigated to see if they can be edited in some way and re-processed. As Field No 8 but referring to Sale transactions. As Field No 9 but referring to Sale transactions. As Field No 10 but referring to Sale transactions. The date when this file was created. Last three bytes of File Number Last three bytes of Site Number

Pending Credits

8 9 10 11 12

Accepted Debits Rejected Debits Pending Debits Accepted Credits Count Rejected Credits Count Pending Credits Count

13

14 15 16 17 18 19

Accepted Debits Count Rejected Debits Count Pending Debits Count File Creation Date File Sequence No Site ID

Company Details Field 1 2 3 4 5 6 Name Record Type Sequence No. Company ID Count Accepted Credits Rejected Credits Description 05 Incremented by 1 for each record in the file The 6-character ID used to identify the merchant and settlement currency. The number of Outlet level (10) records in the file, and therefore the number of Outlet level batches we have processed for you. The hash value in minor units of all the Refund transactions for this Company which have been successfully processed by Streamline. The hash value in minor units of all the Refund transactions for this Company which have been rejected by Streamline processing. These may have failed at first attempt, or may have been Pending, but proved impossible to edit and force through. The hash value in minor units of all the Refund transactions for this Company which have been rejected at first attempt by Streamline processing. These transactions will be investigated to see if they can be edited in some way and reprocessed. As Field No 3 but referring to Sale transactions. As Field No 4 but referring to Sale transactions. As Field No 5 but referring to Sale transactions. The total number of Refund transactions for this Company which have been successfully processed by Streamline. The total number of Refund transactions for this Company which have been rejected by Streamline processing. These may have failed at first attempt, or may have been Pending, but proved impossible to edit and force through. Page 13 of 54

Pending Credits

8 9 10 11 12

Accepted Debits Rejected Debits Pending Debits Accepted Credits Count Rejected Credits Count

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The total number of Refund transactions for this Company which have been rejected at first attempt by Streamline processing. These transactions will be investigated to see if they can be edited in some way and re-processed. As Field No 9 but referring to Sale transactions. As Field No 10 but referring to Sale transactions. As Field No 11 but referring to Sale transactions.

14 15 16

Accepted Debits Count Rejected Debits Count Pending Debits Count

Outlet Details Field 1 2 3 4 5 6 7 8 Name Record Type Sequence No Outlet ID Trading Day Processing Date Accepted Credits Rejected Credits Pending Credits Description 10 Incremented by 1 for each record in the file The 8-character ID used to identify the merchant Outlet and its transaction currency. The date on which you took these transactions, as advised by you to us in DDMMYY format. The date on which Streamline processed these transactions in YYMMDD format The hash value in minor units of all the Refund transactions for this Outlet which have been successfully processed by Streamline. The hash value in minor units of all the Refund transactions for this Outlet which have been rejected by Streamline processing, proved impossible to edit and force through. The hash value in minor units of all the Refund transactions for this Outlet which have been rejected at first attempt by Streamline processing. These transactions will be investigated to see if they can be edited in some way and reprocessed. As Field No 4 but referring to Sale transactions. As Field No 5 but referring to Sale transactions. As Field No 6 but referring to Sale transactions. The total number of Refund transactions for this Outlet which have been successfully processed by Streamline. The total number of Refund transactions for this Outlet which have been rejected by Streamline processing. These may have failed at first attempt, or may have been Pending, but proved impossible to edit and force through. The total number of Refund transactions for this Outlet which have been rejected at first attempt by Streamline processing. These transactions will be investigated to see if they can be edited in some way and re-processed. As Field No 10 but referring to Sale transactions. As Field No 11 but referring to Sale transactions. As Field No 12 but referring to Sale transactions.

9 10 11 12 13

Accepted Debits Rejected Debits Pending Debits Accepted Credits Count Rejected Credits Count Pending Credits Count

14

15 16 17

Accepted Debits Count Rejected Debits Count Pending Debits Count

Transaction Details Field 1 2 3 Name Record Type Sequence No PAN Description 15 Incremented by 1 for each record in the file Primary Account Number the card number. These will be masked (123456******1234) i.e. the first six and last four digits will be given with the remaining digits being shown as asterisks. The expiry date of the card, in MMYY format. If so requested, this may be masked with asterisks as follows: Page 14 of 54

Expiry Date

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5 Transaction Value

User Guide Version 3.0

**** If a Sterling transaction, the amount of the transaction in pence. If in a currency other than Sterling, the Sterling equivalent is given. The actual currency transaction amount is given in the Local Currency field. The date when you took the transaction as advised by you to us, in DDMMYY format. The time of day when you took the transaction as advised by you to us, in HHMMSS format (SS will always be 00). 0=Sale 5=Refund 3=Purchase with Cashback 2=Cash Advance How the transaction was collected. The current values are: 0=Offline key entry 1=Mail/Telephone Order 3=PIN verified offline 4=Signed voucher magnetic stripe read 5=Signed voucher keyed at POS 6=Unattended terminal without PIN 7=PIN verified transaction recovered without PIN 8=Terminal recovery keyed by merchant 9=Terminal recovery keyed by Streamline A=ICC transaction (i.e. Chip) B=ICC fallback transaction to magnetic stripe C=Secure transaction with cardholder certificate D=Non-authenticated Security transaction with 3D Secure/ SPA UCAF merchant certificate E=Non-authenticated transaction with no 3D Secure/ SPA UCAF merchant certificate e.g. SSL protocol F=No additional information i.e. E-com with no security A reference number supplied by your POS. Also known as the EFT Sequence Number. A=Accepted P=Pending R=Rejected The amount of the transaction in minor units. Blank if a Domestic transaction. The ISO alpha currency code applicable to the Local Value (e.g. EUR). Blank if a Domestic transaction. The number of minor units applicable to the Local Value currency. For example the Euro has two minor units (cents), therefore its exponent is 2. Blank if a Domestic transaction. The Local Value amount expressed in minor units in the currency in which we will settle with you. Blank if a Domestic transaction. The ISO alpha currency code applicable to the Settlement Value (e.g. USD). Blank if a Domestic transaction. The number of minor units applicable to the Settlement Value currency. For example the US Dollar has two minor units (cents) and therefore its exponent is 2. Blank if a Domestic transaction. A=Acquired P-Processed Available only in the Card Product Type version of this file. A five character code indicating the product type for the card used in this transaction. A full list of codes is given in Appendix K. Available only in the Card Product Type version of this file. Page 15 of 54

6 7 8

Transaction Date Transaction Time Transaction Type

Transaction Source

10 11 13 14 15 16 17 18

Receipt Number Status Local Value Local Currency Code Local Exponent Settlement Value Settlement Currency Code Settlement Exponent

19 20

Acquired/Processed Indicator Card Product Type

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Transaction Supplementary Details Field 1 2 3 4 Name Record Type Sequence No Authorisation Code Authorisation Method Description

User Guide Version 3.0

5 6 7 8

Card Issue Number Card Start Date Cash Amount Originators Transaction Reference Ticket Number

16 Incremented by 1 for each record in the file Cardscheme authorisation code. Not present if authorisation not obtained/needed. The value in this field will typically, but not exclusively be one of the following: 0=Authorised by the terminal (transaction within Floor Limit) or not obtained 1=Authorised Online to Streamline 2=Authorised by voice call to Streamline 9=Unknown (usually the result of the processing of a refund transaction from an On-line terminal). The issue number shown on the card. Not always present. The Valid From date shown on the card. Not always present. The cash portion of a Purchase with Cashback transaction. Not always present. Your reference for this transaction. Not always present. A default value is given if the reference as submitted in your settlement file was formatted with the first twelve characters as spaces. Airline ticket number. Not always present.

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EMIS 10. Fraud Details

User Guide Version 3.0

The Fraud file contains fraudulent transaction information provided by MasterCard and Visa based upon transactions submitted by a merchant. There are two versions both of which are created from confirmed fraud data received from the cardschemes a daily file created after each processing day and a monthly file created on the first working day of the month and giving all the previous months fraud data. It should be noted that Visa produce daily fraudulent transaction updates, whereas MasterCard only produce their updates monthly. The data is available at Outlet level and may contain information on transactions that have already been charged back. It should be noted that not all transactions reported as fraudulent will be charged back; this depends on individual Card Issuers criteria.

10.1

Daily Fraud File

Detail Record Field 1 2 3 4 5 6 7 8 Name Record Type Outlet ID Outlet Name Outlet Town PAN Transaction Date Transaction Time Transaction Amount Description 05 The 8-character ID used to identify the merchant outlet and its transaction currency Merchant Name as recorded on Streamline systems. Further merchant details as held on Streamline systems. Primary Account Number, i.e. the card number. The date of the transaction in DDMMYYYY format. Always blank as the information is not provided by the schemes. The amount of the transaction in minor units (pence, cents, etc.). If in a currency other than Sterling, Visa transactions are given as the Sterling equivalent, whereas MasterCard transactions are given as the actual currency value. Your reference for this transaction provided this has been processed successfully. Will be blank if you did not provide a reference originally. This information is provided in the Daily file only. The ticket number allocated by you when the transaction took place. (Airline merchants only). This information is provided in the Daily file only. MasterCard and Visa only The 6-character ID used to identify the merchant and settlement currency. Date of the report Outlet reference as provided by you, may be blank /the settlement currency of the transaction Details via three digit numeric codes the type of fraud. Currently, these are as follows: 900 Lost Card 901 Stolen Card 902 Card not received by Cardholder. 903 Card obtained by Fraudulent App. 904 Counterfeit card. 905 Other. 906 Fraudulent use of Account No. Page 17 of 54

Transaction Reference

10 11 12 13 14 15

Airline Ticket Number Acquirer Reference No Company ID Report Date Store ID/Currency Code Fraud Type

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907 Imprinting of Multiple Sales Draft. 908 Account Takeover Fraud. This will always be NA as this information is not provided at present. Identifies if the transaction has already been charged back or not. 1=Item already charged back

16 17

Input Method Chargeback Marker

See Appendix D for an interpretation of this file.

10.2

Monthly Fraud File

Detail Record Field 1 2 3 4 5 6 7 8 Name Record Type Outlet ID Outlet Name Outlet Town PAN Transaction Date Transaction Time Transaction Amount Description 05 The 8-character ID used to identify the merchant outlet and its transaction currency Merchant Name as recorded on Streamline systems. Further merchant details as held on Streamline systems. Primary Account Number, i.e. the card number. The date of the transaction in DDMMYYYY format. Always blank as the information is not provided by the schemes. The amount of the transaction in minor units (pence, cents, etc.). If in a currency other than Sterling, Visa transactions are given as the Sterling equivalent, whereas MasterCard transactions are given as the actual currency value. MasterCard and Visa only The 6-character ID used to identify the merchant and settlement currency. Date of the report Outlet reference as provided by you, may be blank /the settlement currency of the transaction Details via three digit numeric codes the type of fraud. Currently, these are as follows: 900 Lost Card 901 Stolen Card 902 Card not received by Cardholder. 903 Card obtained by Fraudulent App. 904 Counterfeit card. 905 Other. 906 Fraudulent use of Account No. 907 Imprinting of Multiple Sales Draft. 908 Account Takeover Fraud. This will always be NA as this information is not provided at present. Identifies if the transaction has already been charged back or not. 1=Item already charged back

9 10 11 12 13

Acquirer Reference No Company ID Report Date Store ID/Currency Code Fraud Type

14 15

Input Method Chargeback Marker

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11.1

User Guide Version 3.0 Currency Processing and Settlement Information

NBT339: Daily Currency Processing Summary

This module provides individual reports to merchants set up on our International system:

This details transaction totals by card product type by Outlet, giving local and settlement currencies and amounts, and relevant exchange rates; it does not list individual transactions. Values are given at card product type level for each Outlet but are not summarised into Outlet, Company or File totals. You are free to do this as part of your manipulation of the data. Detail Record Field 1 2 3 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 Name Record Type Trading Date Company ID Merchant ID Merchant Name Crediting Currency Reporting Currency Transaction Currency Exchange Rate Reporting Exchange Rate Card Product Type Number of Sales Value of Sales Number of Refunds Value of Refunds Total Number Net Value Currency No of transactions for crediting Value of transactions for crediting Currency No of transactions for reporting Value of transactions for reporting Currency Process Date Description 01 Merchant trading date The 6-character company ID from Streamline system. The 8-character ID used to identify the merchant Outlet and its transaction currency. Outlet name as recorded in Streamline records. The ISO alpha code of the currency in which settlement is made. The ISO alpha code of the currency in which settlement values may also be reported. The ISO alpha code of the currency in which transactions were taken. Exchange rate used to convert between transaction and settlement currencies. Exchange rate used to convert between transaction and reporting currencies. Card product type common to the transactions being reported. The number of sale (purchase) transactions for this card product type. The value of sale (purchase) transactions for this card product type, expressed in the transaction currency. The number of refund (credit) transactions for this card product type. The value of refund (credit) transactions for this card product type, expressed in minor units in the transaction currency. Total number of sale and refund transactions. The overall value of these transactions (sales (purchases) less refunds (credits)) expressed in minor units in the transaction currency. The ISO alpha code of the transaction currency. Total number of transactions processed, the value of which are settled to you. The overall value of these transactions (sales (purchases) less refunds (credits)) expressed in minor units in the settlement currency. The ISO alpha code of the Settlement currency Total number of transactions processed, the value of which are reported to you. The overall value of these transactions (sales (purchases) less refunds (credits)) expressed in minor units in the reporting currency. The ISO alpha code of the Reporting currency. The date on which Streamline processed these transactions.

See Appendix F1 for an interpretation of this file. Page 19 of 54

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11.2

User Guide Version 3.0

NBT505: Daily Currency Settlement Summary

This report is available for merchants set up on our Non-domestic (international) system where settlement is in a currency other than Sterling. Please note - This file has replaced NBT 504 and will no longer be provided to new customers. However, NBT 504 is available for up to 6 months from January 2011 for existing customers. The file format is available on page 28. As a settlement report this file gives a daily breakdown of the amount to be settled into your nominated bank account. Information includes the date of processing (value date will normally be the next working day), the number and value of transactions by card product type and type (debit/credit), the MSC deducted, the net settlement value, any chargeback details, and miscellaneous items and the final settlement value. As this is for non-domestic set-ups Visa and MasterCard are the only cardschemes acquired and reported. The following data is produced for each non-Sterling Company ID set up on EMIS. Settlement Summary by Card Product Type Header Record Field 1 6 7 12 13 14 Name Record type Currency File Sequence Number Company Name Company ID Processing Date Description 00 Alpha Currency Code Name of Company The 6-character company ID from Streamline system. DDMMYYYY

Summary Record Settlement Summary Acquired cards Field 1 2 6 8 10 11 13 14 Name Record type Acquired Cards Subtotal Number of transactions Gross value of transactions Service Charge Value Settlement Value Company ID Processing Date Description 01 Acquired Cards Sub The total number of transactions processed for this Company. The total value of transactions for this Company expressed in the settlement currency. The amount of Streamlines MSC Value of transactions less the MSC The 6-character company ID from Streamline system. DDMMYYYY

Settlement Summary Processed cards Field 1 2 6 8 10 11 13 Name Record type Processed Cards Subtotal Number of transactions Value of transactions Service Charge Value Settlement Value Company ID Description 02 Processed Cards Sub The total number of transactions processed for this Company. The total Net value of transactions processed for this Company. The amount of Streamlines MSC Value of transactions less Service Charge Value. The 6-character company ID from Streamline system. Page 20 of 54

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14 Processing Date DDMMYYYY

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Settlement Summary Chargebacks Field 1 2 6 8 10 11 13 14 Name Record type Chargebacks Subtotal Number of chargebacks Gross value of chargebacks Service Charge Value Settlement Value Company ID Processed date Description 03 Chargebacks Sub The total number of chargebacks processed for this Company. The total value of chargebacks for this Company The total amount of Streamlines MSC for this Company Value of chargebacks less Service Charge Value. The 6-character company ID from Streamline system. DDMMYYYY

Settlement Summary Sundry Items Field 1 2 8 10 11 13 14 Name Record type Sundry Item Description Gross value of Sundry Item Service Charge Value Settlement Value Company ID Processed date Description 04 e.g. Monies owed to us The value of the sundry Item The amount of Streamlines MSC for this sundry item Value of sundry item less Service Charge Value. The 6-character company ID from Streamline system. DDMMYYYY

This Record to be repeated for each individual Sundry Item A list of Sundry Item descriptions can be found in Appendix J Settlement Summary Sundry Items Subtotal Field 1 2 6 8 10 11 13 14 Name Record type Sundry Items Description Number of Sundry Items Gross value of Sundry Items Service Charge Value Settlement Value Company ID Processed date Description 05 Sundry Subtotal Total number of sundry items Total value of sundry items The amount of Streamlines MSC for these sundry items Value of sundry items less the total Service Charge Value. The 6-character company ID from Streamline system. DDMMYYYY

Settlement Amount Field 1 2 11 13 14 Name Record type Title Settlement Value Company ID Process Date Description 06 Settlement amount The total amount paid to you, in the currency applicable to your account The 6-character company ID from Streamline system. DDMMYYYY

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Detail Record Transactions acquired by Streamline Card Product Type Sales Field 1 2 3 4 6 7 8 9 10 13 14 Name Record type Card Product Type Name Card Product Type Code Sales Number of Sales Item Rate Value of Sales Charge Rate MSC Value Company ID Process Date

User Guide Version 3.0

Description 07 Card product type common to the transactions being reported. The five digit card product type codes common to the transactions being reported Sales Number of sales for this card product type Price per item charge The value of sales for this card product type, The MSC rate agreed Value of the MSC charged for this card product type The 6-character company ID from Streamline system. DDMMYYYY

Card Product Type Refunds Field 1 2 3 4 6 7 8 9 10 13 14 Name Record type Card Product Type Name Card Product Type Code Refunds Number of Refunds Item Rate Value of Refunds Charge Rate MSC Value Company ID Process Date Description 08 Card product type common to the transactions being reported. The five digit card product type codes common to the transactions being reported Refunds Number of refunds for this card product type Price per item charge The value of refunds for this card product type, The MSC rate agreed between us Value of the MSC charged for this card product type The 6-character company ID from Streamline system. DDMMYYYY

Card Product Type Purchase with Cashback (PWCB) Field 1 2 3 4 6 7 8 9 10 13 14 Name Record type Card Product Type Name Card Product Type Code PWCBs Number of PWCBs Item Rate Value of PWCBs Charge Rate MSC Value Company ID Process Date Description 09 Card product type common to the transactions being reported. The five digit card product type code common to the transactions being reported PWCBs Number of PWCBs for this card product type Price per item charge The value of PWCBs for this card product type, The MSC rate agreed between us Value of the MSC charged for this card product type The 6-character company ID from Streamline system. DDMMYYYY

Card Product Type Cash Advances Page 22 of 54

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Field 1 2 3 4 6 7 8 9 10 13 14 Name Record type Card Product Type Name Card Product Type Code Cash Advances Number of Cash Advances Item Rate Value of Cash Advances Charge Rate MSC Value Company ID Process Date

User Guide Version 3.0

Description 10 Card product type common to the transactions being reported. The five digit card product type code common to the transactions being reported Cash Advances Number of cash advances for this card product type Price per item charge The value of cash advances for this card product type, The MSC rate agreed between us Value of the MSC charged for this card product type The 6-character company ID from Streamline system. DDMMYYYY

Card Product Type Credit Funds Transfers (CFT) Field 1 2 3 4 6 7 8 9 10 13 14 Name Record type Card Product Type Name Card Product Type Code Credit Funds Transfers Number of CFTs Item Rate Value of CFTs Charge Rate MSC Value Company ID Process Date Description 11 Card product type common to the transactions being reported. The five digit card product type code common to the transactions being reported Credit Funds Transfers Number of CFTs for this card product type Price per item charge The value of CFTs for this card product type, The MSC rate agreed between us Value of the MSC charged for this card product type The 6-character company ID from Streamline system. DDMMYYYY

Transactions Processed by Streamline Card Product Type Sales Field 1 2 3 4 6 7 8 9 10 13 14 Name Record type Card Product Type Name Card Product Type Code Sales Number of Sales Item Rate Value of Sales Charge Rate MSC Value Company ID Process Date Description 12 Card product type common to the transactions being reported. The five digit card product type code common to the transactions being reported Sales Number of sales for this card product type Price per item charge (If applicable) The value of sales for this card product type, The MSC rate agreed between us (if applicable) Value of the MSC charged for this card product type (If applicable) The 6-character company ID from Streamline system. DDMMYYYY

Card Product Type Refunds Field 1 2 Name Record type Card Product Type Description 13 Card product type common to the transactions being Page 23 of 54

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3 4 6 7 8 9 10 13 14 Name Card Product Type Code Refunds Number of Refunds Item Rate Value of Refunds Charge Rate MSC Value Company ID Process Date

User Guide Version 3.0

reported. The five digit card product type code common to the transactions being reported Refunds Number of refunds for this card product type Price per item charge (If applicable) The value of refunds for this card product type, The MSC rate agreed between us (If applicable) Value of the MSC charged for this card product type (If applicable) The 6-character company ID from Streamline system. DDMMYYYY

Chargebacks Field 1 2 3 4 Chargeback Reference 5 7 8 9 10 12 13 14 Charge per Transaction Chargeback Value Charge Rate MSC Value Transaction Reference Company ID Process Date Name Record type Card Product Type Name Card Product Type Code PAN Description 14 Card product type common to the chargebacks being reported. The five digit card product type code common to the chargebacks being reported Primary Account Number the card number. These will be masked (123456******1234) i.e. the first six and last four digits will be given with the remaining digits being shown as asterisks. Streamlines unique identifier for this chargeback. If you need to contact us about this chargeback, please quote this reference. Price per item charge (If applicable) The value of chargebacks Rate of charge (MSC) applied to this chargeback (If applicable) The amount of Streamlines MSC for this Company (If applicable) Customer reference applied to the underlying transaction when originally submitted to us. The 6-character company ID from Streamline system. DDMMYYYY

11.3

NBT504: Daily Currency Settlement Summary

Please Note: This file is no longer available to new customers Field 1 2 4 5 6 7 8 Name Record Type Cardscheme Cardscheme Type Number of transactions Value of transactions Service Charge Service Charge Type Description 01 The following values are normally given: Overseas Visa Overseas MasterCard Credit or Debit Number of transactions (sales plus refunds) for this cardscheme. The Net value of the transactions (sales less refunds) for this cardscheme in the settlement currency. Rate of charge (MSC) applied to value of transactions. Either a percentage (CENT) or a per item charge (ITEM). If a combined percentage and item charge applies, the value MIXED is given. Page 24 of 54

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9 Service Charge Value

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The amount of Streamlines MSC for this card scheme. If MSC Type is per cent, obtained by multiplying Value of Transactions by the MSC Rate per cent. If MSC Type is per item, obtained by multiplying Number of Transactions by the MSC Rate per item. Value of transactions less Service Charge Value. The 6-character ID used to identify the merchant and settlement currency. The date on which Streamline processed these transactions.

10 12 13

Settlement Value Company ID Process Date

Settlement Sub Totals Field 1 2 5 6 9 10 12 13 Name Record Type Title Number of transactions Value of transactions Service Charge Value Settlement Value Company ID Process Date Description 01 Transaction Subtotal The total number of transactions (sales plus refunds) processed for this Company. The total Net value of transactions (sales less refunds) processed for this Company. The total Service Charge Value applicable for this Company The Value of Transactions less Service Charge Value. The 6-character ID used to identify the merchant and settlement currency. The Streamline Processing Date covering this report.

Chargeback Details Field 1 2 3 4 6 7 8 9 Name Record Type Cardscheme PAN Chargeback reference Value of Chargeback Service Charge Service Charge Type Service Charge Value Description 02 Overseas Visa, Overseas MasterCard. Primary Card Number, i.e. the card number. Streamlines unique identifier for this chargeback. If you need to contact us about this chargeback, please quote this reference. The amount charged back. Rate of charge (MSC) applied to this chargeback. Either a percentage or a per item charge. The amount of Streamlines MSC for this chargeback. If MSC Type is per cent, obtained by multiplying Value of Chargeback by the MSC Rate per cent. If MSC Type is per item, obtained from the MSC Rate per Item. The amount settled to you for this Chargeback, calculated as Value of Chargeback plus or minus Service Charge Value. Customer reference applied to the underlying transaction when originally submitted to us. The 6-character ID used to identify the merchant and settlement currency. The Streamline Processing Date covering this report.

10 11 12 13

Settlement Value Chargeback transaction reference Company ID Process Date

Chargeback Sub Totals Field 1 2 6 9 10 Name Record Type Title Value of Chargebacks Service Charge Value Settlement Value Description 02 CHB Subtotal The total value of chargebacks. The total Net amount of MSC relating to these chargebacks. The sum of the total chargebacks, plus or minus the associated Service Charge Value. Page 25 of 54

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The 6-character ID used to identify the merchant and settlement currency. The Streamline Processing Date covering this report.

Sundry Items Field 1 2 6 7 10 12 13 Name Record Type Sundry Description Gross Value Service Charge Value Settlement Value Company ID Process Date Description 03 Description of Item, e.g. Funds Held to Clear Value of Item Rate of charge (MSC) applied to this Item. May be blank. The amount settled to you for this Item, calculated as Value of Chargeback plus or minus the associated Service Charge Value, if applicable. The 6-character ID used to identify the merchant and settlement currency. The Streamline Processing Date covering this report.

See Appendix J for the typical values that are given in the Sundry Description field. Sundry Items Subtotal Field 1 2 6 7 10 12 Name Record Type Title Service Charge Value Settlement Value Company ID Process Date Description 03 Sundry Subtotal The total amount of MSC relating to these Items, if applicable. The sum of the total Sundry Items, and the associated Service Charge Value, if applicable. The 6-character ID used to identify the merchant and settlement currency. The Streamline Processing Date covering this daily report.

Settlement Totals Field 1 2 10 Name Record Type Title Settlement Value Description 04 Settlement Amount The Grand Total amount settled the sum of all Cardschemes, minus any Chargebacks and plus or minus any Sundry Items. This amount will be remitted as a credit to your chosen settlement bank account. The 6-character ID used to identify the merchant and settlement currency. The date on which Streamline processed these transactions.

12 13

Company ID Process Date

11.4

NBT506: Monthly Currency Settlement Summary

This report is available for merchants set up on our Non-domestic (international) system where settlement is in a currency other than Sterling. This summarises the Daily Currency Settlement Summaries (above) for the previous month, giving the processing date, number and value of transactions, number and value of chargebacks, MSC deducted and the net monthly settlement. It is produced on the first working day of each month. As this is for non-domestic set-ups Visa and MasterCard are the only cardschemes acquired and reported. The format is the same as that of the NBT 507: Month to Date Currency Settlement Summary below. Page 26 of 54

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See Appendices G1 for an example of this report in various formats. .

11.4

NBT507: Month to Date Currency Settlement Summary

This report is available for merchants set up on our Non-domestic (international) system where settlement is in a currency other than Sterling. This gives the same information as the NBT506 above, for each day in the current month. The following data is produced for each non-Sterling Company ID set up on EMIS. Settlement Summary per Day (for Current Month) Field 1 2 3 4 5 6 7 Name Record Type Processing Date Number of transactions Value of transactions Number of chargebacks Value of chargebacks Service Charge Value Description 01 The date on which Streamline processed these transactions. The total number of transactions (sales plus refunds) processed for this Company on this day. The total Net value of transactions (sales less refunds) processed for this Company on this day. The total number of chargebacks processed to settlement for this Company on this day. The total value of chargebacks processed to settlement for this Company on this day. The value of MSC calculated on the following figures: Value of transactions Value of chargebacks The total value of Sundry Items for this Company on this date, net of any applicable Service Charge. The Net sum of the following preceding figures : Value of Transactions Value of Chargebacks MSC Value Sundry Items This amount was paid to your nominated bank account. The 6-character ID used to identify the merchant and settlement currency.

8 9

Sundry Items Settlement Value

10

Company ID

Company Totals Field 1 2 3 4 5 6 7 Name Record Type Description Number of transactions Value of transactions Number of chargebacks Value of chargebacks Service Charge Value Description 02 Total The total number of transactions (sales plus refunds) processed for this Company during the period of this report. The total Net value of transactions (sales less refunds) processed for this Company during the period of this report. The total number of chargebacks processed to settlement for this Company during the period of this report. The total value of chargebacks processed to settlement for this Company during the period of this report. The value of MSC calculated on the following figures: Value of transactions Value of chargebacks The total value of Sundry Items for this Company during the period of this report, net of any applicable Service Charge. The net sum of the following preceding figures : Value of Transactions Page 27 of 54

8 9

Sundry Items Settlement Value

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Value of Chargebacks MSC Value Sundry Items The 6-character ID used to identify the merchant and settlement currency.

10

Company ID

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EMIS 12. Streamline Invoice Information

User Guide Version 3.0

The Streamline invoice is produced at the beginning of each month for each Streamline Company ID where settlement is in Sterling. Each invoice contains a record of charges and, where applicable, of deposits for each Outlet ID within the Company. This is a combined file containing MasterCard, Visa and Domestic Maestro invoice information. The invoice file can be ordered either at Group or Company level and will contain Outlet information. The data is given for each Outlet ID within each Company, and accordingly the merchant must be set up within Streamline systems to calculate data at Outlet level. The financial information contained within this file will also be found in the standard Streamline invoice distributed on or about the first of each month. Header Details Field 1 2 3 4 Name Record Type Top Level Merchant Invoice Month Invoice Number Description 00 Merchant Company or Outlet ID. The month to which this invoice relates, and in which the charges were incurred. The invoice reference number from the corresponding paper Streamline invoice.

Summary of Charges Field 1 2 3 5 6 7 8 17 Name Record Type Sub Level Merchant ID Store ID Miscellaneous Charges Transaction Charges Total Charge VAT Amount Total Amount Due Description 01 Merchant Outlet ID. Outlet reference as provided by you. May be blank. The total value of miscellaneous charges exclusive of VAT for the month. The total value of transaction charges exclusive of VAT for the month. The sum of Miscellaneous and Transaction charges. The VAT value of the invoice. The total amount of the invoice including VAT.

Summary of Deposits Field 1 2 3 4 Name Record Type Sub Level Merchant ID Store ID Card Product Type Description 02 Merchant Outlet ID Outlet reference as provided by you. May be blank. The card type for the transactions on this line of data. Each card type has its own line of data. Here are some examples of the card type which you may see, depending on our agreement with you: MasterCard Signia MasterCard Business Visa Business Visa Corporate JCB EEA Dr MasterCard MasterCard Dr Per Int CL Visa Credit Pers Solo CL Visa Purchasing Page 29 of 54

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5 6 7 8 9 10 11 12 13 14 15 16 17 18 Number of Sales Value of Sales Sale Transaction Charge Rate Sale Charge per Transaction Number of Refunds or Card Fund Payments Value of Refunds or Card Fund Payments Refund Transaction Charge Rate Refund Charge per Transaction Number of PWCB Transactions Value of PWCB Transactions PWCB Transaction Charge Rate PWCB Charge per Transaction Total Charge VAT Code

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Commercial Cards The number of the Sale transactions for this card product type. The value of the Sale transactions for this card product type. Rate of charge (MSC) applied to the Value of Sales, if calculated on a percentage basis. Rate of charge (MSC) applied to the Number of Sales, if calculated on a pence per item basis. The number of Refund or Card Fund Payment transactions for this card product type. The value of the Refund or Card Fund Payment transactions for this card product type. Rate of charge (MSC) applied to the Value of Refunds or Card Fund Payments, if calculated on a percentage basis. Rate of charge (MSC) applied to the Number of Refunds or Card Fund Payments, if calculated on a pence per item basis. The number of Purchase with Cashback transactions for this card product type (Domestic Maestro, Solo or Visa Delta only). The value of Purchase with Cashback transactions for this card product type (Domestic Maestro), Solo or Visa Delta only). Rate of charge (MSC) applied to the Value of PWCB Transactions, if calculated on a percentage basis. Rate of charge (MSC) applied to the Number of PWCB Transactions, if calculated on a pence per item basis. Total charges for this card product type. The VAT rate that applies to this charge. Possible values are: E=Exempt S=Standard Z=Zero R=Reduced May be blank.

Miscellaneous Charges Field 1 2 3 4 5 6 7 8 17 18 Name Record type Sub Level Merchant ID Store ID Description Number of Items Value of Items Miscellaneous Charge Rate Miscellaneous Charge per Transaction Total Charge VAT Code Description 03 Merchant Outlet ID Outlet reference as provided by you. May be blank. The type of charge, e.g. Domestic Maestro/Solo Authorisation, Terminal Rental. The number of these Miscellaneous Items. The value of these Miscellaneous Items. Rate of charge (MSC) applied to the Value of Number of Items, if calculated on a percentage basis. Rate of charge (MSC) applied to the Number of Items, if calculated on a pence per item basis. The charge made for these items. The VAT rate that applies to this charge. Possible values are: E=Exempt S=Standard Z=Zero R=Reduced May be blank.

See Appendix I for an example of the file layout. Page 30 of 54

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13.

Streamline BIN Data

Please Note: According to the Visa International rules, section 5.1.B Honouring Cards you must accept all payments presented to you. BIN File data must only be used for anti-fraud purposes and/or DCC processing. It must NOT be used to restrict certain BIN ranges or to configure point of sales terminals. The Streamline BIN files contain information relating to cards issued by banks and financial institutions from around the world. The new version of the BIN file in Section 13.1 includes card product type (replacing card scheme) and the ISO alpha and numeric country codes. If you have requested Issuer Name information this will appear in Field 6. If you use previous versions of the BIN files, please refer to sections 13.2 6.

13.1 General ISO CPT BIN File (Includes Issuer Name field if applicable)
Field 1 2 3 4 5 6* 7 ** 8 ** 9 10 11 Name Record type Card bin 1 Card bin 2 Card type Card scheme name Issuer name Country of Issue Country of Issue Card Class Card Product Type (non-contactless) Card Product Type (Contactless) Description 05 Lower range Higher range CP = Corporate, CN = Consumer Name of card type (Refer to Fields 10 or 11 for the Card Product Type code) Issuer name (applicable only if the Issuer Name version is requested) ISO alpha country code ISO numeric country code C = Credit, D = Debit, F = Debit II 5 Character code; card product type (refer to Appendix K for a full list of Card Product Type codes) 5 Character code; card product type (refer to Appendix K for a full list of Card Product Type codes)

* Issue Name field will only appear on request ** ISO alpha and numeric country codes can be found on https://cdb.iso.org/cdb/search.action

13.2
Field 1 2 3 4 5

General BIN File

Name Record Type Card BIN 1 Card BIN 2 Card Type Cardscheme Name Description 05 The beginning of the account range for the Issuer. The end of the account range for the Issuer. The type of card the account range represents. CP = Corporate Card CN = Consumer Card The name of the cardscheme, typically one of the following: Visa Credit Visa Debit Electron MasterCard Credit MasterCard Debit Maestro Maestro Dom (UK-issued Maestro) Solo Page 31 of 54

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7 Country of Issue

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The country of issue for the BIN range.

This file is also available in a version with the alpha and numeric ISO Country Codes instead of the Country Name

13.3
Field 1 2 3 4 5

General ISO BIN File

Name Record Type Card BIN 1 Card BIN 2 Card Type Cardscheme Name Description 05 The beginning of the account range for the Issuer. The end of the account range for the Issuer. The type of card the account range represents. CP = Corporate Card CN = Consumer Card The name of the cardscheme, typically one of the following: Visa Credit Visa Debit Electron MasterCard Credit MasterCard Debit Maestro Maestro Dom (UK-issued Maestro) Solo The alpha Country Code for the BIN range. The numeric Country Code for the BIN range

7 8

Country of Issue Country of Issue

13.4
Field 1 2 3 4 5

Issuer BIN File

Name Record Type Card BIN 1 Card BIN 2 Card Type Cardscheme Name Description 05 The beginning of the account range for the Issuer. The end of the account range for the Issuer. The type of card the account range represents. CP = Corporate Card CN = Consumer Card The name of the cardscheme, typically one of the following: Visa Credit Visa Debit Electron MasterCard Credit MasterCard Debit Maestro Maestro Dom (UK-issued Maestro) Solo The name of the Issuer of the BIN range. Blank if unknown. The country of issue for the BIN range.

6 7

Issuer Name Country of Issue

This file is also available in a version with the alpha and numeric ISO Country Codes instead of the Country Name

13.5
Field 1

Issuer ISO BIN File

Name Record Type Description 05 Page 32 of 54

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2 3 4 5 Card BIN 1 Card BIN 2 Card Type Cardscheme Name

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The beginning of the account range for the Issuer. The end of the account range for the Issuer. The type of card the account range represents. CP = Corporate Card CN = Consumer Card The name of the cardscheme, typically one of the following: Visa Credit Visa Debit Electron MasterCard Credit MasterCard Debit Maestro Maestro Dom (UK-issued Maestro) Solo The name of the Issuer of the BIN range. Blank if unknown. The alpha Country Code for the BIN range. The numeric Country Code for the BIN range

6 7 8

Issuer Name Country of Issue Country of Issue

13.6

Dynamic Currency Conversion (DCC) BIN File

This file contains only BIN ranges which the schemes or individual issuers allow for DCC. Field 1 2 3 4 5 Name Record Type Card BIN 1 Card BIN 2 Card Type Cardscheme Name Description 05 The beginning of the account range for the Issuer. The end of the account range for the Issuer. The type of card the account range represents. CP = Corporate Card CN = Consumer Card The name of the cardscheme, typically one of the following: Visa Credit Visa Debit Electron MasterCard Credit MasterCard Debit The Country Code of the issuer. The billing currency code of the card as defined by ISO alpha, e.g. GBR for United Kingdom.

6 7

Country of Issue Currency Code

See Appendix H.3 for an example of the file layout. Gaming CPC BIN file: this file contains the same the same information as the General CPC BIN file with the addition of Maestro data.

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14.
A B C1 C2 C3 D E F1 F2 G H1 H2 H3 I J K

Appendices
EMIS Module Summary Chargeback File Interpretation Reconciliation File Interpretation: Non-domestic Reconciliation File Interpretation: UK Domestic Suggested Reconciliation File Extract Daily Fraud File Interpretation Card Scheme Summary by Outlet Interpretation Daily Non-sterling Net Settlement (NBT 505) (.csv variable format) Daily Non-sterling Net Settlement (NBT 504) (.csv variable format) Monthly Non-sterling Net Settlement (NBT 506) (.csv variable format) General ISO CPT BIN file (Includes Issuer Name if applicable) Issuer BIN file DCC BIN file Streamline Invoice Information NBT505 Sundry Items Narratives Card Product Type Codes

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Appendix A EMIS Module Summary

Time Domestic/SI

Mod. Description 1 2 3 4 5 6 7 8 9 10 11(a) 11(b) 12 13 14 15 15 15 15

Availability working days working days working days working days working days 1st working day of month 3rd working day of month working days 2nd working day of month 2nd working day of month 1st working day of month working days 3rd working day of month Mondays including bank hols 3rd working day of month working days 1st working day of month working days working days

Other Info Domestic/SI Domestic only Domestic/SI Domestic only Domestic/SI Domestic/SI Domestic only Domestic only Domestic only Domestic only Domestic/SI Domestic/SI Domestic only Domestic/SI Domestic only SI only SI only SI only SI only

RFI for MCI/Visa 00:00/02:00 RFI for Dom Maestro/Solo 00:00/02:00 Chargebacks MCI/Visa 00:00/02:00 Chargebacks Dom Maes/So 00:00/02:00 Reconciliation file 06:30/07:30 Invoice information no fixed time PKE summary statistics no fixed time PKE transaction information 19:00 Authorisation statistics 07:00 PWCB information 07:00 Fraud statistics monthly 12:00 Fraud statistics daily 21:00/23:00 Paper Processed info no fixed time Streamline BIN files 09:00 CNP summary information 09:00 NBT505 16:00 NBT506 16:00 NBT507 16:00 NBT339 16:00

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Appendix B Chargeback File Interpretation

This is how the data could look after manipulation. Note: The Request for Information file is of an almost identical format so may be similarly interpreted. Non-domestic:
File type C= chargeback R= RFI C 6544796302xxxxxxxx 8540641653xxxxxxxx 8540641653xxxxxxxx 8045502522xxxxxxxx 70 70 70 70

file sequence no.

file creation date

Record type 00

989 14316943 XXXX01331822 75466754 XXXX90123278 75466754 XXXX90123278 72226117 XXXX03235093 23032005 24042005 24042005 29042005 5995.0 2714.0 2714.0 1750.0 GBP GBP GBP GBP

25052001 5995.0 2714.0 2714.0 1750.0 GBP GBP GBP GBP 00031414 00031720 00031720 00031452 Non-Possession of Card Non-Possession of Card Non-Possession of Card Non-Matching Account Number 28042005 29042005 29042005 03052005 D D D C 5995.0 2714.0 2714.0 1750.0

05 749882110830800487775 05 749882111150900469507 05 749882111150900469507 05 749882111200201447408

Acquirer ref no.

PAN Status

Merchant no.

transaction date

trans ccy

credit ccy

chargeback reason card centre ref process date

debit / credit chargeback amount

originators transaction ref

trans amount

credit amount

Domestic GBP note differences to above:

Cardscheme amount in pence transaction currency (826=GBP) cback amount in pence

05 749882110830800487775 05 749882111150900469507 05 749882111150900469507 05 749882111200201447408

6544796302xxxxxxxx 8540641653xxxxxxxx 8540641653xxxxxxxx 8045502522xxxxxxxx

VIS 14316943 XXXX01331822 VIS 75466754 XXXX90123278 MSC 75466754 XXXX90123278 DEL 72226117 XXXX03235093

230301 240401 240401 290401

5995 2714 2714 1750

826 826 826 826

00031ABC 00031DEF 00031GHI 00031JKY

Non-Possession of Card Non-Possession of Card Non-Possession of Card Non-Matching Account Number

280401 290401 290401 030501

D D D C

5995 2714 2714 1750

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Appendix C1 Reconciliation File Interpretation: Non-domestic

Not all fields detailed see Technical Specification for further information NB: Summaries (Record types 10,05,00) are hash totals of local/transaction currencies
refunds accepted (pence) company/merchant ID Record type refunds pending (p) sales rejected (p) no. refunds A no. refunds P no. sales R no. sales P Julian date FILE HEADER RECORD

refunds rejected (p)

sales accepted (p)

sales pending (p)

no. refunds R

no. sales A

000000000100000000009210000009000000950000000000000000000000000000003023000000000000000000000000000000400000000000000000001500000000000000011700005001 050000000200000004390X00000001000000250000000000000000000000000000000250000000000000000000000000000000100000000000000000000100000000000000 100000000300000777XX342200601050626000000250000000000000000000000000000000250000000000000000000000000000000100000000000000000000100000000000000 processing date (yymmdd) Type 15 (transaction data) record: transaction type (0=purchase) transaction source (1=MOTO) PAN expiry amount always date time In pence exponent Local value settlement value exponent 150000000445442065000xxxxx 01120000000256020060500000001000971A 000025000EUR2000002560GBP2 receipt number Type 16 (supplementary transaction data) record: Auth code Auth method transaction reference status local ccy settlement ccy

COMPANY HEADER RECORD OUTLET HEADER RECORD

16000000056228 1 0000000000000INB40619_001

issue no.

card start date

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Appendix C2 Reconciliation File Interpretation: UK Domestic GBP

Company/merchant ID Value (pence) of accepted sales in company batch / file Count of accepted sales in company batch / file 000000000100000000009210000001000000933230000000000000000000000000211991340000000000000000000000000007500000000000000001377400000000 050000000200000001234560000454000000933230000000000000000000000000211991340000000000000000000000000007500000000000000001377400000000 100000000300000123456782703020203270000000000000000000000000000000000000003075200000000000000000000000000000000000000000000000018000 150000000467596004274611xxxxxx03050000000149925030200000000067747A 1600000005 00400000000000001000067747 150000000653012402645xxxxx 04100000000069825030200000000067772A value (pence) of accepted sales in outlet batch 1600000007 00000000000000001000067772 150000000854346806799xxxxx 04110000000070625030200000000067774A count of accepted sales in outlet batch 1600000009 00000000000000001000067774 150000001045672612011xxxxx 02060000000258925030200000000067775A 1600000011 00000000000000001000067775 1500000012675952302308xxxxxxx 04020000000114925030200000000067784A 1600000013 00200000000000001000067784

amount in pence

Notes: Type 15 (transaction) records are summarised in the preceding type 10 record Type 10 (outlet summary) records are summarised in the preceding type 05 record Type 05 (company summary) records are summarised in the preceding type 00 record The type 00 record is the file summary

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Appendix C3 Suggested Reconciliation File Extract

Company ID 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 Merchant ID 98765432 98765432 98765432 98765432 98765432 98765432 98765432 98765432 98765432 98765432 98765432 89764532 89764532 89764532 89764532 89764532 89764532 89764532 89764532 78965432 78965432 78965432 78965432 78965432 78965432 78965432 78965432 Card Number* *6320 *1234 *9734 *3429 *7601 *5673 *0027 *5563 *1342 *3784 *8900 *6590 *3598 *1201 *4376 *0134 *7656 *8120 *6700 *5612 *7830 *1265 *5649 *5699 Transaction Date 21 Apr 06 21 Apr 06 21 Apr 06 21 Apr 06 21 Apr 06 21 Apr 06 21 Apr 06 21 Apr 06 21 Apr 06 21 Apr 06 21 Apr 06 21 Apr 06 21 Apr 06 21 Apr 06 21 Apr 06 21 Apr 06 21 Apr 06 21 Apr 06 21 Apr 06 21 Apr 06 21 Apr 06 21 Apr 06 21 Apr 06 21 Apr 06 Transaction Value 105.50 63.72 23.87 110.00 347.32 98.10 14.98 278.76 93.88 101.22 1237.35 238.65 236.90 87.25 71.55 198.87 320.50 210.65 1364.37 100.58 503.50 376.66 67.40 205.51 376.00 100.55 1730.22 Tran Curr GBP GBP GBP GBP GBP GBP GBP GBP GBP GBP GBP USD USD USD USD USD USD USD USD CAD CAD CAD CAD CAD CAD CAD CAD Transaction Type Sale Sale Sale Sale Sale Sale Sale Sale Sale Sale Sale Sale Sale Sale Sale Sale Sale Sale Sale Sale Sale Sale Sale Sale Status Accepted Accepted Accepted Accepted Accepted Accepted Accepted Accepted Accepted Accepted Accepted Accepted Accepted Accepted Accepted Accepted Accepted Accepted Accepted Accepted Accepted Accepted Accepted Accepted Transaction Reference 658909H 906720H 152937G 172690G 653980G 109768G 616253L 763092F 110923F 988675L 867300L 253748H 982737H 182907K 598576H 483966K 928376G 789374N 983731P 873465P 877493M 980111H 372910H 387974G Auth Code 164892 267394 682305 581023 582499 947103 173905 367493 481029 567990 057352 885730 194022 813475 371066 224511 345271 678364 895014 467382 537485 956181 768911 664738 Settlement Value 105.50 63.72 23.87 110.00 347.32 98.10 14.98 278.76 93.88 101.22 1237.35 132.58 131.61 48.47 39.75 110.48 178.06 117.03 757.98 50.29 251.75 188.33 33.70 102.76 168.00 50.28 845.11 2840.44 Sett Curr GBP GBP GBP GBP GBP GBP GBP GBP GBP GBP GBP GBP GBP GBP GBP GBP GBP GBP GBP GBP GBP GBP GBP GBP GBP GBP GBP GBP

*For illustrative purposes only the last four digits of the card number are given. In the file collected from Streamline, the complete card number is present.

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Appendix D Daily Fraud File Interpretation

Input Method Outlet ID Merchant Name PAN Transaction Date Transaction Reference Acquirer Reference No. Company ID Currency Code

05

36666663

AIRLINE INT USD-PH

USD

4567nnnnnnnn0301

10072009

874.11

3334727837

0160230485298 74547069194060512391178

93224

17072009

USD

906

NA

Record Type

Further Merchant Details

Transaction Amount

Airline Ticket Number

Report Date Fraud Type

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Appendix E
Transaction date

Card Scheme Summary by Outlet (NBT339) File Interpretation

outlet name Company no. outlet ID reporting ccy credit ccy transaction ccy local ex.rate no.sales value of sales total no.sales & refunds process date reporting value / ccy

card product type

1 Sep 24 2005 12:00AM 1 Sep 24 2005 12:00AM 1 Sep 24 2005 12:00AM 1 Sep 24 2005 12:00AM 1 Sep 24 2005 12:00AM 1 Sep 24 2005 12:00AM 1 Sep 24 2005 12:00AM 1 Sep 24 2005 12:00AM 1 Sep 24 2005 12:00AM 1 Sep 24 2005 12:00AM 1 Sep 24 2005 12:00AM 1 Sep 24 2005 12:00AM 1 Sep 24 2005 12:00AM 1 Sep 24 2005 12:00AM 1 Sep 24 2005 12:00AM 1 Sep 24 2005 12:00AM 1 Sep 24 2005 12:00AM 1 Sep 24 2005 12:00AM 1 Sep 24 2005 12:00AM 1 Sep 24 2005 12:00AM 1 Sep 24 2005 12:00AM 1 Sep 24 2005 12:00AM

123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456

42446063 MERCHANT 1 70497383 MERCHANT 2 70497383 MERCHANT 2 70497383 MERCHANT 2 70497383 MERCHANT 2 70677788 MERCHANT 3 11861255 MERCHANT 4 13644033 MERCHANT 5 14046477 MERCHANT 6 14046477 MERCHANT 6 14047055 MERCHANT 7 14047055 MERCHANT 7 14047055 MERCHANT 7 40701766 MERCHANT 8 40721399 MERCHANT 9 42446044 MERCHANT 10 77802133 MERCHANT 11 77802133 MERCHANT 11 77802811 MERCHANT 12 79077933 MERCHANT 13 79789377 MERCHANT 14 79789377 MERCHANT 14

US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR

US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR IND RUPEE US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR US DOLLAR

1 1 1 1 1 48.1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

1 MASTERCARD SIGNIA 1 VISA COMMERCIAL 1 MASTERCARD SIGNIA 1 VISA COMMERCIAL 1 VISA BUSINESS 1 MASTERCARD SIGNIA 1 VISA COMMERCIAL 1 VISA COMMERCIAL 1 VISA COMMERCIAL 1 MASTERCARD WORLD 1 VISA COMMERCIAL 1 MASTERCARD WORLD 1 VISA COMMERCIAL 1 VISA COMMERCIAL 1 VISA COMMERCIAL 1 VISA COMMERCIAL 1 VISA COMMERCIAL 1 MASTERCARD WORLD 1 VISA COMMERCIAL 1 MASTERCARD SIGNIA 1 VISA COMMERCIAL 1 MASTERCARD SIGNIA

13 46 7 2 12 1 1 1 2 1 8 3 1 1 1 30 3 2 1 1 1 1

19950 729500 115500 22000 187000 126000 3800 113500 2250 9500 198500 41700 39900 18800 102600 56258 2700 11627 395200 3000 4900 4900

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 12664 0 0 0 0 0 0

13 46 7 2 12 1 1 1 2 1 8 3 1 1 1 32 3 2 1 1 1 1

19950 USD 729500 USD 115500 USD 22000 USD 187000 USD 126000 INR 3800 USD 113500 USD 2250 USD 9500 USD 198500 USD 41700 USD 39900 USD 18800 USD 102600 USD 43594 USD 2700 USD 11627 USD 395200 USD 3000 USD 4900 USD 4900 USD

13 46 7 2 12 1 1 1 2 1 8 3 1 1 1 32 3 2 1 1 1 1

19950 USD 729500 USD 115500 USD 22000 USD 187000 USD 2619 USD 3800 USD 113500 USD 2250 USD 9500 USD 198500 USD 41700 USD 39900 USD 18800 USD 102600 USD 43594 USD 2700 USD 11627 USD 395200 USD 3000 USD 4900 USD 4900 USD

13 46 7 2 12 1 1 1 2 1 8 3 1 1 1 32 3 2 1 1 1 1

19950 USD 729500 USD 115500 USD 22000 USD 187000 USD 2619 USD 3800 USD 113500 USD 2250 USD 9500 USD 198500 USD 41700 USD 39900 USD 18800 USD 102600 USD 43594 USD 2700 USD 11627 USD 395200 USD 3000 USD 4900 USD 4900 USD

20010925 20010925 20010925 20010925 20010925 20010925 20010925 20010925 20010925 20010925 20010925 20010925 20010925 20010925 20010925 20010925 20010925 20010925 20010925 20010925 20010925 20010925

Reporting exchange rate

No.refunds Value of refunds

local ccy net value sales/refunds

crediting ccy crediting value

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Appendix F1 Daily Non-sterling Net Settlement Report (NBT505) .csv (variable) Format
This is how a variable-length data-format file could look after manipulation. It contains Record types i.e. 00, 01, 03, 06, 07, 08, 14 but no column headings
00 01 03 06 07 07 07 07 07 07 07 07 07 07 07 07 07 07 07 07 07 08 08 08 08 ACQUIRED CARDS SUB CHARGEBACKS SUB SETTLEMENT AMOUNT MASTERCARD SIGNIA MASTERCARDDR PER INT MASTERCARD WORLD MASTERCARD CR PER VISA DR/ELEC PER INT VISA CREDIT PERSONAL VISA DEBIT DR MASTERCARD EEA VISA ELECTRON MASTERCARD BUSINESS MASTERCARD FLEET MASTERCARD CORPORATE MASTERCARD PURCHASE VISA BUSINESS VISA CORPORATE VISA PURCHASING VISA DR COM INTL MASTERCARDDR PER INT MASTERCARD WORLD MASTERCARD CR PER VISA DR/ELEC PER INT ACMCW ACMCY ACMNW AC000 BCVIY BC000 DE000 DM000 PE000 VPMCB VPMCF VPMCO VPMCP VPVIB VPVIR VPVIS VPVIX ACMCY ACMNW AC000 BCVIY SALES SALES SALES SALES SALES SALES SALES SALES SALES SALES SALES SALES SALES SALES SALES SALES SALES REFUNDS REFUNDS REFUNDS REFUNDS 13 12 74 6183 1216 5895 28 1 1 1070 6 207 2 714 138 2 32 1 4 215 43 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 10430.91 4331.94 28289.06 2159575.91 361275.50 1715421.63 9987.37 138.00 119.00 596591.42 4801.90 168449.78 421.92 397609.02 70377.03 534.00 17512.85 -778.00 -3809.39 -41280.83 -11110.53 0.75 0.75 0.75 0.75 1.04 1.04 1.04 0.75 1.04 0.75 0.75 0.75 0.75 1.04 1.04 1.04 1.04 0.75 0.75 0.75 1.04 -78.23 -32.48 -212.16 -16196.81 -3757.26 -17840.38 -103.86 -1.03 -1.23 -4474.43 -36.01 -1263.37 -3.16 -4135.13 -731.92 -5.55 -182.13 5.83 28.57 309.60 115.54 EUR 16238 21 3469 5387675.71 -10752.65 -47591.48 109.85 5340084.23 -10642.80 5329441.43 SKY HIGH AIRWAYS 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456

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08 08 08 08 08 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14

VISA CREDIT PERSONAL MASTERCARD BUSINESS MASTERCARD CORPORATE VISA BUSINESS VISA CORPORATE MASTERCARD CR PER MASTERCARD CR PER VISA DR/ELEC PER INT VISA DR/ELEC PER INT VISA DR/ELEC PER INT VISA DR/ELEC PER INT VISA DR/ELEC PER INT VISA DR/ELEC PER INT VISA DR/ELEC PER INT VISA CREDIT PERSONAL VISA CREDIT PERSONAL VISA CREDIT PERSONAL VISA CREDIT PERSONAL VISA CREDIT PERSONAL VISA CREDIT PERSONAL VISA CREDIT PERSONAL VISA CREDIT PERSONAL VISA BUSINESS VISA BUSINESS VISA BUSINESS VISA BUSINESS

BC000 VPMCB VPMCO VPVIB VPVIR AC000 AC000 BCVIY BCVIY BCVIY BCVIY BCVIY BCVIY BCVIY BC000 BC000 BC000 BC000 BC000 BC000 BC000 BC000 VPVIB VPVIB VPVIB VPVIB

REFUNDS REFUNDS REFUNDS REFUNDS REFUNDS 519269******1730 519123******8270 474472******8404 457116******4422 420376******8303 420376******8303 420376******8303 420376******8303 420376******8303 490638******5708 436338******7016 454818******5020 456874******0893 491782******0049 456874******0893 454617******1012 457014******7240 427370******1204 427742******2019 427742******2019 405301******4667 000WRXFP 000WP72W 000WSM8M 000WRSW1 000WRS1P 000WRS1N 000WRS1M 000WRS1Q 000WRS1R 000V95ZK 000WSLZM 000WSM4D 000WRSVR 000WSM9V 000WRSVQ 000WT7T4 000WSM6X 000WSLYG 000WSLYJ 000WSLYK 000WRV9X

262 55 3 50 11

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

-69926.97 -15243.60 -1469.54 -13358.40 -1214.27 -69.00 -567.00 -495.02 -699.00 -699.00 -699.00 -699.00 -699.00 -699.00 1166.00 -1778.00 -499.00 -884.00 -739.00 -69.00 -29.73 -1558.00 -98.00 -210.90 -29.00 -699.00

1.04 0.75 0.75 1.04 1.04 0.75 0.75 1.04 1.04 1.04 1.04 1.04 1.04 1.04 1.04 1.04 1.04 1.04 1.04 1.04 1.04 1.04 1.04 1.04 1.04 1.04

727.24 114.32 11.02 138.92 12.62 0.51 4.25 5.14 7.26 7.26 7.26 7.26 7.26 7.26 -12.12 18.49 5.18 9.19 7.68 0.71 0.30 16.2 1.01 2.19 0.30 7.26 276564624 277008221 277965411 284239086 277732000 277731999 277841542 277731776 277730617 268402130 278217961 280706431 280099899 283897322 279887892 273108930 280585178 275705712 276269218 276376048 278556661

123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456

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Appendix F2 Daily Non-sterling Net Settlement Report (NBT504) .csv (variable) Format
Please Note This file format is not available to new customers This is how a variable-length data-format file could look after manipulation. It contains Record types i.e. 00, 01, 02, 03, 04, 99 but no column headings
00 01 OVERSEAS VISA 01 OVERSEAS M'CARD 01 OVERSEAS M'CARD 01 OVERSEAS VISA 01 TRANS SUBTOTAL 02 OVERSEAS VISA 02 OVERSEAS VISA 02 OVERSEAS VISA 02 OVERSEAS VISA 02 OVERSEAS M'CARD 02 OVERSEAS M'CARD 02 OVERSEAS VISA 02 CHB SUBTOTAL 03 SUNDRY SUBTOTAL 04 SETTLED AMOUNT 99 15 480496.56 4901179101xxxxxx.00 0002XYGS 4487010101xxxxxx.00 0002XRH7 4487030100xxxxxx.00 0002XRHB 4487030100xxxxxx.00 0002XRHC 5443820000xxxxxx.00 0002ZXNV 5419550007xxxxxx.00 00030XR9 4826429206xxxxxx.00 0002XNK0 DEBIT CREDIT DEBIT CREDIT US DOLLAR 39 186 15 416 656 988 25488.11 160107.51 29096.09 291400.22 506091.93 -87.78 -113.23 -290.41 -290.41 -12039.4 -63.05 -2304 -15188.28 x.xx CENT x.xx CENT x.xx CENT x.xx CENT x.xx CENT x.xx CENT x.xx CENT x.xx CENT x.xx CENT x.xx CENT x.xx CENT -540.34 -3394.27 -616.83 -6177.68 -10729.12 1.86 2.4 6.15 6.15 255.23 1.33 48.84 321.96 24947.77 156713.24 28479.26 285222.54 495362.81 -85.92 94871327/3181763635 1253181763635 -110.83 94893357/3447456071 1253447456071 -284.26 94893355/3181803567 1253181803567 -284.26 94893355/3181803568 1253181803568 -11784.1 94898046/3473420880 1253473420880 -61.72 MD416584/3139548341 1253139548341 -2255.16 SFO3277/2116363460 1252116363460 -14866.25 CREDIT CARD TREASURY BRANCH 123456 24052005 123456 24052005 123456 24052005 123456 24052005 123456 24052005 123456 24052005 123456 24052005 123456 24052005 123456 24052005 123456 24052005 123456 24052005 123456 24052005 123456 24052005 123456 24052005 123456 24052005 123456 24052005 123456 24052005

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User Guide Version 3.0

Appendix G1 Monthly Non-sterling Net Settlement Report (NBT506) .csv (variable) Format
This is how a variable-length data-format file could look after manipulation. It contains Record types i.e. 00, 01, 02, 99 but no column headings
00 01 01 01 01 01 01 01 01 01 01 01 01 01 01 01 01 01 01 01 02 99 24052005 2042005 3042005 4042005 5042005 6042005 9042005 10042005 11042005 12042005 17042005 18042005 19042005 20042005 23042005 24042005 25042005 26042005 27042005 30042005 TOTAL 20 856 2237 577 1200 57 1766 1524 70 55 2066 2523 151 752 1305 1448 1014 837 918 827 20183 CREDIT CARD TREASURY 499751.97 1505324.07 438889.38 866460.93 56765.3 1030782.66 970249.41 63258.64 45421.3 1282643.68 1622846.03 129955.88 394642.29 611944.06 976842.65 598049.54 633153.77 492031.33 531413.83 12750426.72 988 2 7 1 2 3 1 2 1 1 8 4 4 1 0 5 4 3 2 2 53 2735.61 -8523.85 -52.49 -3228 -7264.69 -1173 228.76 -460.57 -1564 -13599.3 -4011 -2944.01 -845.14 0 -6652.37 -2147.2 -4407.81 -1900.68 -2013 -57822.7 US DOLLAR -10536.73 -31732.17 -9303.33 -18300.52 -1049.42 -22390.4 -20554.28 -1331.29 -929.77 -26903.75 -34319.3 -2870.5 -8777.95 -12973.2 -20568.03 -12633.13 -13328.58 -10390.76 -11223.28 -270116.39 0 0 0 -142 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 -142 491950.9 1465068 429533.6 844790.4 48451.19 1007219 949923.9 61466.78 42927.53 1242141 1584516 124141.4 385019.2 598970.9 949622.3 583269.2 615417.4 479739.9 518177.6 12422346 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456 123456

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Appendix H1 General ISO CPT BIN file (Includes Issuer Name if applicable)

Record Type

Card Type Issuer Name

Country of Issue Card Class (Alpha Country code)

05

657000012

657000012

CP

Visa Corporate

BANCA DI SASSARI S.P.A

372

IRL

VPVIR

Card BIN lower range

Card BIN higher range

Cardscheme Name

Country of Issue (Numeric Country code)

Card Product Type

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Appendix H2 Issuer BIN file

Record Type Card Type

Issuer Name.

05

400325010

400325010

CN

ELECTRON

BANCA DI SASSARI S.P.A.

ITALY

Card BIN lower range

Cardscheme Name Card BIN higher range

Country of Issue.

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Appendix H3 DCC BIN file

Record Type

Card BIN higher range

Cardscheme Name

05

400121000

400121999

CN

ELECTRON

IRL

EUR

Card BIN lower range

Card Type

Country of Issue (Country code)

Currency Code (Billing)

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Appendix I Streamline Invoice Information

Record Type 0 Invoice Month Transaction Charge 200806 0 0 VAT Amount 0 0 Total Due 0 0 0 0 0 0 0 0

47110 Company ID

Miscellaneous Charge

Total Charge VAT Amount 2049.41 0 0 0 0 0 0 0 0 Total Due 0 2049.41

Record Type 1 11634873 Outlet ID Sub Level Merchant ID 11634873 11634873 11634873 11634873 11634873 11634873 11634873

Transaction Charge 0 2049.41

Recrd Type 2 2 2 2 2 2 2

Miscellaneous Charge Total Charge Card Number Transaction Purchse Purchs Charge Charge Product Rate Type Maestro Intl 1040 48577 0 Visa 588 9731 0 Electron MasterCard 1 10 2 Signia MasterCard 483 21596 1.6 Comm Visa 375 13993 1.6 Business Visa Debit 3139 120574 0 Solo 745 20543 0 Description Value of Items

Purchse Charge Per Txn 0.2 0.3 0 0 0 0.3 0.2

Numbr Refnd s 0 0 0 0 3 14 0

Value Refunds 0 0 0 0 -30 -285 0

Refnd Chrge Rate 0 0 0 0 -1.6 0 0

Refnd Charg Per Txn 0 0 0 0 0 0.3 0

No. PWCB 0 0 0 0 0 0 0

Value PWCB 0 0 0 0 0 0 0

Cashback Charge Rate 0 0 0 0 0 0 0

Cashbk Charge per Txn 0 0 0 0 0 0 0

Total Charg 208 176 0.2 345.54 224.37 945.9 149

3 11634873 Maestro (Dom) Auths 1825 0 Sub Level Merchant ID Number of Items Record Count 99 65 0

0 0 0 0 Charge Rate Charge Per Item 0 0 0 0

0 E Charge 0

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Appendix J NBT505 Sundry Items
NBT505 Sundry Item Narratives Narrative (max 20 characters alpha/numeric) Monies owed to us Held to clear debt

User Guide Version 3.0

Description Negative processing. Refunds and/or chargebacks exceed purchases. Funds held to clear previous negative processing. Will be for a number of days until sufficient funds available to clear debt. Reversal of money owed to us (a number of days later when funds are available) Clearing debt narrative. Processing contains only chargebacks. As per Neg proc but where this applies to chargebacks.

(+)/(-) (+) (-)

Neg proc from DD/MM Chgbk from DD/MM

(-) (-)

Funds held from DD/MM Funds held from DD/MM followed by reason Funds held for various reasons e.g. advice from Risk to hold funds. EMIS (504) report would contain full details of reason the funds have been held. Unlikely to be used. Funds held settlement under minimum limit. Funds withheld, no bank details held. 1 x Visa transaction reversal plus reference would be separately advised. (It is possible to see more than one item reversed). 1 x MasterCard transaction reversal plus reference, would be separately advised. (It is possible to see more than one item reversed). Manual Chargeback plus Reference Chargeback written off by Streamline 1 Phase 2 temporary write off process 2 Exceptional circumstances, e.g. our error where Streamline write off an item.

(+) (+)

Funds held too small No bank details held 1 V Rev [plus diary reference] AA111111 (2 x alpha, 6 x numeric)

(-) (-) (-) or (+)

1 MC Rev [plus diary reference] AA111111 (2 x alpha, 6 x numeric)

(-) or (+)

MCBK [plus Chargeback reference, work item number] CB Write Off

(-) or (+) (-)

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Appendix K Card Product Type Codes

User Guide Version 3.0

Please Note: This list may be subject to amendment & additional values may be reported in the future. Card Type Visa Credit BC000 XV000 Visa Debit BCVIY DE000 XD000 XVVIY PE000 XE000 Visa Commercial VP001 VPVIB VPVID VPVIR VPVIS VPVIX Contactless Visa Commercial XP001 XPVIB XPVID XPVIR XPVIS XPVIX MasterCard Credit AC000 ACMCW ACMNW XA000 MasterCard Cr Per MasterCard Signia MasterCard World CL MasterCard Cr Per Page 51 of 54 CL Visa Commercial CL Visa Business CL Visa Commerce CL Visa Corporate CL Visa Purchasing CL Visa Dr Com Intl Visa Commercial Visa Business Visa Commerce Visa Corporate Visa Purchasing Visa Dr Com Intl Visa Dr/Elec Per Int Visa Debit CL Visa Debit CL VisaDr/Elec PsInt Visa Electron CL Visa Electron Visa Credit Personal CL Visa Credit Pers Card Type Description

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Card Type XAMCW XAMNW MasterCard Debit ACMCY DM000 XAMCY XN000 MasterCard Commercial VP002 VPMCB VPMCO VPMCP VPMCF VPMCX Contactless MasterCard Commercial XP002 XPMCB XPMCO XPMCP XPMCF XPMCX Maestro PM000 XM000 SW000 XS000 Solo SO000 Others AS000 AX000 BP000 All Star American Express BP Agency Page 52 of 54 Solo Maestro Intl CL Maestro Intl MaestroUK CL Maestro UK CL MasterCard Comm CL MasterCard Bus CL MasterCard Corp CL MasterCard Purch CL MasterCard Fleet CL MCard Dr Com Int MasterCard Comm MasterCard Business MasterCard Corporate MasterCard Purchase MasterCard Fleet MasterCardDr Com Int MasterCardDr Per Int Dr MasterCard EEA CL MCard Dr Per Int CL Dr MasterCard EEA Card Type Description CL MCard Signia CL MasterCard World

User Guide Version 3.0

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Card Type CM000 CO000 CY000 DC000 DL000 EF000 FS000 GE000 JC000 KF000 LC000 LE000 LY000 OD000 PL000 PT000 SB000 SC000 SE000 SG000 SH000 SP000 SY000 TE000 VC000 VE000 Card Type Description CardMaster Compower Clydesdale Diners Club Dialcard Elfin Foreserve GE Capital Store Crd JCB Keyfuels Lombard CreditCharge Lombard Edge Loyalty Cards Overdrive Laser Tesco (TPF) Style Co Branded Supercharge Sears Shell Gold Shell Agency Style Private Label Style Texaco Eire Routex Venture

User Guide Version 3.0

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User Guide Version 3.0

Streamline is a service provided by WorldPay (UK) Limited on behalf of National Westminster Bank Plc Registered in England No. 07316500. Registered Office 55 Mansell Street, London E1 8AN Authorised and regulated as a Payment Institution by the Financial Services Authority 530923 National Westminster Bank Plc. Registered in England No. 929027. Registered Office 135 Bishopsgate, London EC2M 3UR Authorised and regulated by the Financial Services Authority 121878

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