Cheque Truncation and Conversion System for

Gateway Client Interface Specifications

Version 1.3
22 Nov 2007
Cheque Truncation and Conversion System

Gateway Client Interface Specifications

Version 1.3
22 Nov 2007

STRICTLY CONFIDENTIAL
 COPYRIGHT 2007.
BCS INFORMATION SYSTEMS PRIVATE LIMITED
ALL RIGHTS RESERVED

This document, which contains confidential material, is private and confidential and is the property and
copyright of Symphony BCSIS Sdn Bhd (“The Company”). It is not to be used for any other purposes,
copied, distributed or transmitted in any form or by any means without the prior written consent of the
Company.
 Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Document Information

Copyright Symphony BCSIS Sdn Bhd

Trademark Symphony BCSIS Sdn Bhd recognizes all registered trademarks.

Notices This document contains proprietary information, which should not be reproduced
in whole or in part, nor released to third parties nor used for purposes other than
those for which it has been expressly provided without the prior written
agreement of Symphony BCSIS Sdn Bhd.

Symphony BCSIS Sdn Bhd has attempted to ensure that the information in this
document is correct and fairly stated, but does not accept liability for any error or
omission.

Additional Information The development of products and services is continuous, and published
information may not be up to date. For further information, please contact:

Symphony BCSIS Sdn Bhd

c/o BCS Information Systems (BCSIS) Private Limited
Suite 26.01, 26th Floor,
Menara Tun Razak
Jalan Raja Laut
50350 Kuala Lumpur, Malaysia
Tel: (603) 2692 3848
Fax: (603) 2693 0909

Website: http://www.bcsis.com

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Document Control

Version Date Notes Name

0.1 24 Apr 2007 Disseminated to Banks during Second Banks’ Briefing on Arthur Lee
24 April 2007 Catherine Tan
Lee Huay Huay

1.0 5 Jul 2007 Included more fields for Standing Instruction transaction types Lee Huay Huay
as requested by BNM SS Bajaj

Appendix B.2.11 OSCM and B.2.23 ISCM Catherine Tan
Added file format for OSDM and ISDM

Appendix B.2.40 OSDM – Outward Standing Instruction (DR)
MICR

Appendix B.2.41 ISDM – Inward Standing Instruction (DR) MICR
Changes to Section 1.3 - Transaction Types

Modified description of last character in Transaction Type.

Section 1.3.4: Introduced OBRM and IBRM for Banker’s
Acceptance Return Processing.

Section 1.3.6: Modified acronym for Conversion Cheque from
OCCM and ICCM to OKCM and IKCM respectively.

Section 1.3.6: Introduced OKRM and IKRM for Conversion
Cheque Return Processing.

Section 1.3.7.2: Introduced ODRM and IDRM for Debit Standing
Instruction Return Processing.

Modified Appendix A.2 – Transaction Types to reflect changes.
Inserted Section 2.1 – Digital Signing
Changes to Section 2.2 – Validations

Inserted more validations performed by GWC in Section 2.2.1.

Inserted Section 2.2.2 for validations performed by eSPICK Host.
Changes to Section 2.3.1 – Transmission List File

Inserted details.
Changes to Section 3 – System Configuration

Inserted Section 3.1.3 for GWC Workstation Configuration.

Modified Section 3.2 on Software to include Section 3.2.1 for
Server and Section 3.2.2 for GWC Workstation.

Moved Section on Procurement to Appendix J.
Changes to Appendix A.1 – Unique Identifier Code

Modified details on Batch Number.
Changes to Appendix A.3 – Transaction Codes

Modified details in table.
Changes to Appendix A.4 – Return Codes

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Version Date Notes Name

Modified details in table.
Changes to Appendix A.5 – Non-Conformance Flag

Modified details in table.
Inserted Appendix A.7 – Document-to-Follow Flag

Included details in table.
Changes to Appendix B.1 – Filename Convention

Modified ‘Batch’ Description in Appendix B.1.1 – Data Filename.

Included Note; and modified ‘Bank’ Type and ‘Batch’ Description
in Appendix B.1.2 – Image Filename.

Modified ‘Bank’ and ‘Branch’ Type in:
- Appendix B.1.3 – Transmission-List File
- Appendix B.1.4 – Transmission-List Status File
- Appendix B.1.5 – Transfer Status File
- Appendix B.1.6 – Transmission Status File
- Appendix B.1.7 – Start Transfer Indicator
Changes to Appendix B.2 – File Formats

Modified samples in:
- Appendix B.2.1 – Transmission-List File
- Appendix B.2.2 – Transmission-List Status File

Included Bank Type for Issuing Bank and Paying Bank in file
formats for some transaction types.

Removed Appendix B.2.42 - Transaction Type File.

Modified TC Description Size in Appendix B.2.43 – Transaction
Code File.

Modified Filename and Return Code Description Size in Appendix
B.2.44 – Return Code File.
Changes to Appendix D – Reports

Added Reconciliation Reports
Inserted Appendix E – Workflow Illustration
Changes Appendix B.2.41 – Branch File

Amended File Format
Inserted Appendices F, G, H and I on

Handling Non-Conforming Cheques

Handling Large-Value Cheques

Processing of Foreign Cheques

Business Continuity Plan
1.1 24 Aug 2007 Appendix B.2.41 SS Bajaj

Branch File modified to include Business Type
Appendix B.2.37 & Appendix B.2.38

Modified File Formats of Outward and Inward End-Of-Day Trailer
Files (Item Count fields extended)
Changed Appendix B.2.22 Catherine Tan

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Version Date Notes Name

Amended Typo Error in Fields 13, 14 and 15.
1.2 03 Oct 2007 Inserted Section 2.1.3 – Item MICR DS Lee Huay Huay
Inserted Section 2.1.4 – Item Image DS
Inserted Section 2.1.5 – Digital Signature Verification
1.3 22 Nov 2007 Amended Notes for Section B.2.46 – Inward File Lee Huay Huay
Amended Notes for Section B.2.47 – Inward Return File

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Table of Contents
1. INTRODUCTION.............................................................................................. 1-1
1.1 Purpose .........................................................................................................1-1
1.2 System Overview..........................................................................................1-1
1.2.1 Description......................................................................................................................... 1-2
1.3 Transaction Types........................................................................................1-5
1.3.1 Normal Cheque ................................................................................................................. 1-6
1.3.2 Return Item........................................................................................................................ 1-6
1.3.3 Re-presentment................................................................................................................. 1-6
1.3.4 Banker’s Acceptance......................................................................................................... 1-7
1.3.5 Express Cheques .............................................................................................................. 1-8
1.3.6 Conversion Cheque........................................................................................................... 1-9
1.3.7 Standing Instructions ......................................................................................................... 1-9
1.3.8 Non-Clearing Item ........................................................................................................... 1-10
2. FEATURES ...................................................................................................... 2-1
2.1 Digital Signing ..............................................................................................2-1
2.1.1 Batch MICR DS ................................................................................................................. 2-1
2.1.2 Batch Image DS ................................................................................................................ 2-1
2.1.3 Item MICR DS ................................................................................................................... 2-2
2.1.4 Batch Image DS ................................................................................................................ 2-2
2.1.5 Digital Signature Verification ............................................................................................. 2-2
2.2 Validations ....................................................................................................2-2
2.2.1 GWC.................................................................................................................................. 2-2
2.2.2 eSPICK Host ..................................................................................................................... 2-3
2.3 Mechanism....................................................................................................2-4
2.3.1 Transmission List File........................................................................................................ 2-5
2.3.2 Transmission List Status File ............................................................................................ 2-5
2.3.3 Transfer Status File ........................................................................................................... 2-6
2.3.4 Transmission Status File ................................................................................................... 2-6
2.3.5 Start Transfer Indicator...................................................................................................... 2-6
3. SYSTEM CONFIGURATION ........................................................................... 3-1
3.1 Recommended Sizing ..................................................................................3-1
3.1.1 Hardware ........................................................................................................................... 3-1
3.1.2 GWC Server Configuration................................................................................................ 3-2
3.1.3 GWC Workstation Configuration ....................................................................................... 3-2
3.2 Software ........................................................................................................3-2
3.2.1 GWC Server ...................................................................................................................... 3-2

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3.2.2 GWC Workstation.............................................................................................................. 3-3

A. STANDARDS AND CONVENTIONS.............................................................. A-1
A.1 Unique Identifier Code ................................................................................ A-1
A.2 Transaction Types....................................................................................... A-2
A.3 Transaction Codes ...................................................................................... A-3
A.4 Return Codes............................................................................................... A-4
A.5 Non-Conformance Flag............................................................................... A-6
A.6 IQA Flag........................................................................................................ A-7
A.7 Document-to-Follow Flag ........................................................................... A-7
B. FILE FORMATS.............................................................................................. B-1
B.1 Filename Convention .................................................................................. B-1
B.2 File Formats ................................................................................................. B-5
C. IMAGE FORMAT ............................................................................................ C-1
C.1 Introduction ................................................................................................. C-1
C.2 Motivation .................................................................................................... C-2
C.3 Organization ................................................................................................ C-2
C.4 CTCS TIFF format ........................................................................................ C-3
D. REPORTS ....................................................................................................... D-1
E. WORKFLOW ILLUSTRATION ........................................................................E-1
E.1 Outward........................................................................................................ E-1
E.2 Inward........................................................................................................... E-8
F. HANDLING NON-CONFORMING CHEQUES.................................................F-1
F.1 File Format of Non-Conforming Items ........................................................F-1
G. HANDLING LARGE VALUE CHEQUES ........................................................ G-1
H. PROCESSING OF FOREIGN CHEQUES ...................................................... H-1
I. BUSINESS CONTINUITY PLAN ...................................................................... I-1
J. PROCUREMENT ............................................................................................. J-1
J.1 Costs .............................................................................................................J-1
3.2.3 License and Installation Cost ............................................................................................ J-1
3.2.4 Annual Maintenance Cost ................................................................................................. J-1
J.2 Contacts and Timeline .................................................................................J-1

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1. INTRODUCTION

1.1 PURPOSE
The Gateway Client (GWC) offers a user-friendly and standardized interface to connect the
capturing or inward systems of banks to the Sistem Penjelasan Informasi Cek
Kebangsaan (eSPICK) at Bank Negara Malaysia (BNM) Clearing House. The Gateway
Client provides the required security levels using Public Key Infrastructure (PKI) and
ensures that the data and image files sent to eSPICK adhere to specified formats.

Banks, Development Financial Institutions or designated Service Bureaus participating in

clearing process must obtain a GWC license for each bank per transmission or retrieval
site, from BCS Information Systems Private Limited (BCSIS). These parties will undertake
the responsibility of procurement and installation of required hardware, network
components, PKI devices and system software required to run the Gateway Client
software.

The purpose of the Gateway Client Interface Specifications is to describe to interested

parties how they can interface their systems to eSPICK using the Gateway Client.

The document presents the system overview of CTCS, the recommended hardware sizing
and required system software, and the various interface formats between banks’ systems
and the Gateway Client.

BNM will release updates to this document as and when errors and/or enhancements are
identified by BNM, BCSIS and banks in the course of implementing eSPICK.

1.2 SYSTEM OVERVIEW

This diagram below illustrates how the physical cheque information is converted to
electronic information that flows between entities in eSPICK.

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$ $

Collecting Bank (C) RENTAS Paying Bank

$
Outwards Inwards (D) Download
(A) Capturing
Presentment (Data + Images) (Data + Images) & Verification
& Transmission

$ $
Bank Negara Malaysia Clearing House

Collect Funds Inward Returns

Bank’s Host
(Data + Images)

(F) Download
& Print IRD (if necessary) Outward Returns
Collect IRD (Data)

(E) Prepare Returns

& Transmission
(B) CTCS Host
& Current/Archived Transactions
Central Image Archive
Current/Archived Transactions
Enquiry

Enquiry

The processes involved are described in the following subsections.

1.2.1 Description
(A) Capturing and Transmission
Collecting banks will capture the MICR information and image of each cheque,
in a recommended batch of a maximum of 200 items, using their own
capturing systems. The bank must endorse a set of numbers, known as the
Unique Identifier Code (UIC), at the back of each cheque. The UIC endorsed
must adhere to the format specified in Appendix A.1 of this document.

For clearing with images, the bank must endeavour to update the Non-
Conforming Flag for each item, as well as run them through Image Quality
Assurance to update the IQA flag for each item.

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After the necessary data corrections and balancing, the bank must digitally
sign individual cheques’ data and image on item level and store the digital
signatures in the data record.

The bank must create a transmission-list file that contains the list of files that
are to be transmitted to the eSPICK and place this file, as well as the stated
data and image files, in a predefined shared folder for the Gateway Client to
pick up and send to the eSPICK Host.

Data files will consist of MICR information and other clearing data, e.g.,
Presenting Bank Branch, Clearing Date, UIC, etc. Each item’s image file will
consist of three views, i.e., grayscale image of the front of the cheque and bi-
tonal images of the front and back of the cheque, wrapped into a single image
file. For example, one batch of 200 items should yield one data file and 200
image files. The data and image files must adhere to the formats specified in
Appendix B of this document.

The Gateway Client will pick up the data and image files from the predefined
shared folder, perform validation, digitally sign on batch level and perform the
necessary file encryption before transmitting the information to the eSPICK
Host.

At the end of outward processing, collecting bank can request the GWC to
generate and return an outward trailer file that lists all the items passed to
GWC for transmission to eSPICK from the bank’s internal system. This can
be used for reconciliation.

(B) eSPICK Host and Central Image Archive

The Gateway Client establishes a session with eSPICK Host and after
successful validation of the session information, the eSPICK Host allows the
Gateway Client to send the data and image files over. The eSPICK Host
performs the necessary validations on certain fields in the data files and
returns an eight-digit code. If there is no error, the eight-digit code is a string
of zeroes, i.e., ‘00000000’, otherwise, the first four-digit code specifies the
nature of the error and the subsequent four-digit code specifies the position of

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th
the item with error. For example, if the 50 item in the batch belongs to a
branch which has been changed to an inactive status, the error returned by
the eSPICK Host to the GWC should be ‘06790050’. The list of available error
codes can be downloaded from eSPICK Host using the GWC.

After successful validations, the Host accepts the transmitted information and
prepares the inward files to the paying banks on the fly. At the end of the day,
the eSPICK Host generates a trailer record indicating the total number of
items meant for the paying bank/branch to download. This trailer record is to
be downloaded to assist the paying bank in reconciliation.

The eSPICK Host stores the current day’s clearing information into the Central
Image Archive.

(C) RENTAS
The eSPICK Host prepares the settlement figures in a file and sends it to the
RENTAS for settlement.

(D) Download and Verification

Paying banks will download their inward clearing information using the
Gateway Client. This can be performed throughout the day. The bank will
also download the end-of-day inward trailer file and match with the
downloaded figures to ensure that all files have been downloaded successfully.

In addition to Inward MICR data and image files, the GWC prepares the
consolidated inward file.

The Gateway Client allows the bank to utilize the downloaded inward
information for internal processing, i.e. uploading to the host or signature
verification system.

(E) Prepare Returns and Transmission

If there are any items to be returned, the Paying bank will prepare these
returns in a specified file format. Similar to (A) Capturing and Transmission,
the bank must create a transmission-list file that contains the list of files that

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are to be transmitted to the eSPICK and place this file, as well as the stated
return file(s), in a predefined shared folder for the Gateway Client to pick up
and send to the eSPICK Host.

The Gateway Client will pick up the data files from the predefined shared
folder, perform validation, digitally sign on batch level and perform the
necessary file encryption before transmitting the information to the eSPICK
Host.

(F) Download and Print IRD

Presenting banks will download their inward return information using the
Gateway Client. The bank will also download the end-of-day inward return
trailer file and match with the downloaded figures to ensure that all files have
been downloaded successfully.

In addition to Inward MICR data and image files, the GWC prepares the
consolidated inward return file.

The Gateway Client allows the bank to utilize the downloaded inward return
information for internal processing, i.e. reversing the accounting entry in the
host or printing the necessary Image Return Document (IRD).

1.3 TRANSACTION TYPES

The eSPICK Host is designed to handle many different transaction types. Transaction
types are categorised by a specific clearing type and a specific clearing leg, for example,
Outward and Inward Normal Cheque, Outward and Inward Banker’s Acceptance, Outward
Conversion Cheque, Outward Return Credit Standing Instructions, Outward
Acknowledgment for Express Cheque, outward non-clearing item, data files, etc.

The naming convention for transaction type is a four-character code with:

First character, ‘O’ or ‘I’ - denotes outward or inward transaction.

Second and third characters denote the actual transaction, e.g. ‘NR’ denotes normal
return and ‘RE’ denotes re-presentment item etc.

Last character, ‘M’, ‘I’, ‘A’ or ‘R’ – denotes MICR, Image, Acknowledgement or Reason
transaction.
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The available clearing types are described in the following subsections. Please refer to the
Appendix for the full list of the transaction types.

1.3.1 Normal Cheque

This is the most common clearing item. Collecting banks must capture the MICR
data and the image of the cheques to transmit to the eSPICK Host for clearing.

1.3.2 Return Item

The paying bank is required to send only key information for returns, e.g. UIC,
Amount, Return Code, etc. Only data file is to be sent to the eSPICK Host, i.e.
image files are not required.

The eSPICK Host matches the UIC against the Amount and if it is correct, retrieves
the image from its database to prepare the inward return file for the collecting bank
to download.

The collecting bank downloads inward return data and image files from the CTCS.

1.3.3 Re-presentment
Only selected items that were previously returned can be re-presented. Please
refer to Appendix A.4 for the return codes that can be re-presented.

The IRD must be re-presented at any branch of the original collecting bank. The
collecting bank supplies the UIC and the Amount (for matching purpose) to the
eSPICK Host for re-presentment.

The following table and diagram provide information of this transaction in more
details. The 2-digit code in brackets after the transaction type denotes the cheque
type in the UIC, e.g. ‘OWNM’ denotes transaction type and ‘01’ denotes the
cheque type that the bank must include in the UIC.

Processing Outward Transaction Type Inward Transaction Type

Day MICR Image MICR Image

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Processing Outward Transaction Type Inward Transaction Type

Day MICR Image MICR Image
T OWNM (01) Yes IWNM Yes
T+1 ONRM (11) No INRM Yes
T+2 *OREM (21) No *IREM Yes
T+3 *ONRM (11) No *INRM Yes

OWNM IWNM

INRM ONRM

Bank A eSPICK Bank B

*OREM *IREM
Host

*INRM *ONRM

1.3.4 Banker’s Acceptance

The collecting bank must capture the MICR data and the image of Banker’s
Acceptance items to transmit to the eSPICK Host for clearing.

The data files of Banker’s Acceptance items shall include a ‘Document-to-Follow’

flag to indicate to the paying bank if there are any additional documents that the
collecting bank will fax to the paying bank for inward processing.

Processing Outward Transaction Type Inward Transaction Type

Day MICR Image MICR Image
T OBAM (04) Yes IBAM Yes
T+1 OBRM (14) No IBRM Yes

OBAM IBAM

eSPICK
IBRM OBRM Bank B
Bank A Host

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1.3.5 Express Cheques

The collecting bank must capture the MICR data and the image of these items to
transmit to the eSPICK Host for clearing. The collecting bank will inform the
paying bank through a telephone call to download the inward express items for
immediate verification. The express item is regarded as a priority item in eSPICK
clearing.

The paying bank verifies the authenticity of the express cheque and informs the
collecting bank of its decision on whether the cheque is honoured through an
acknowledgement sent to the eSPICK Host via the GWC. If the paying bank
honours the cheque, the bank shall respond with a positive acknowledgement.
Conversely, if the paying bank does not honour the cheque, the bank shall respond
with a negative acknowledgement.

The collecting bank has the option of capturing items for immediate clearing by
specifying them as Express or STP Express transaction type. The only difference
between the two is that the STP Express items will be settled outside the eSPICK
Clearing via the paying bank initiating a STP transaction through the RENTAS MC
system upon receiving the positive acknowledgement. For Express items, the
eSPICK Host will consider the transaction for deferred settlement to RENTAS only
when the positive acknowledgement is detected for the transaction.

Processing Outward Transaction Type Inward Transaction Type

Day MICR Image MICR Image
T OXCM (02) Yes IXCM Yes
T OXCA (12) No IXCA No

Processing Outward Transaction Type Inward Transaction Type

Day MICR Image MICR Image
T OSXM (03) Yes ISXM Yes
T OSXA (13) No ISXA No

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OXCM / OSXM IXCM / ISXM

eSPICK
Bank A IXCA / ISXA OXCA / OSXA Bank B
Host

1.3.6 Conversion Cheque

Participating entities, such as billers, may choose to convert their normal cheques
to conversion cheques. In this case, only data information is to be sent to the
eSPICK Host, i.e., image file is not required.

Processing Outward Transaction Type Inward Transaction Type

Day MICR Image MICR Image
T OKCM (05) No IKCM No
T+1 OKRM (15) No IKRM No

OKCM IKCM
Bank A eSPICK Bank B
IKRM OKRM
Host

1.3.7 Standing Instructions

The eSPICK Host allows banks to transmit standing instructions. Standing
instructions can be credit or debit.

The data file is different as it includes additional fields such as beneficiary account,
reference, etc. In this case, only the data file is to be sent to the eSPICK Host, i.e.,
image files are not required.

1.3.7.1 Credit Standing Instruction

Processing Outward Transaction Type Inward Transaction Type

Day MICR Image MICR Image
T OSCM (06) No ISCM No
T+1 OCRM (16) No ICRM No

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OSCM ISCM

Bank A ICRM eSPICK OCRM Bank B

Host

1.3.7.2 Debit Standing Instruction

Processing Outward Transaction Type Inward Transaction Type

Day MICR Image MICR Image
T OSDM (07) No ISDM No
T+1 ODRM (17) No IDRM No

OSDM ISDM

Bank A IDRM eSPICK ODRM Bank B

Host

1.3.8 Non-Clearing Item

An example of a non-clearing item is house cheque. The collecting bank can send
house cheques to the eSPICK Host not for clearing, but for archival in the Central
Image Archive.

Processing Outward Transaction Type Inward Transaction Type

Day MICR Image MICR Image
T NCHM (99) Yes - -

NCHM

Bank A eSPICK
Host

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2. FEATURES
The Gateway Client (GWC) offers the following functions.

Download daily files, e.g. valid FI Type, Bank and Branch files, and obtain current clearing date
from the eSPICK Host

Accept cheque data and image files from the bank’s internal systems

Validate and ensure that the files adhere to the predefined format and that files stated in the
transmission-list file are available

Perform batch-level digital signing and file encryption

Establish a session to transmit transactions to the eSPICK Host or download transactions from the
eSPICK Host

Update the batch status to indicate if batch has been transmitted

Provide downloaded data and image files to the bank’s internal systems

Allow enquiry of the transactions through browser view

Generate reports of the transactions in GWC

2.1 DIGITAL SIGNING

2.1.1 Batch MICR DS
1. Concatenate the Item MICR DS (including the space padding) in the same
order the item is in the MICR file from all the items in the batch.
2. Pass this concatenated field to the E-PKI API (provided by PKI vendor) to
obtain the digital signature.
3. Pad the signature with trailing spaces to a length of the corresponding digital
signature field as published in the specifications.

2.1.2 Batch Image DS

1. Concatenate the Item Image DS (including the space padding) in the same
order the item is in the MICR file from all the items in the batch.
2. Pass this concatenated field to the E-PKI API (provided by PKI vendor) to
obtain the digital signature.
3. Pad the signature with trailing spaces to a length of the corresponding digital
signature field as published in the specifications.

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2.1.3 Item MICR DS

1. Concatenate the fields (all fields excluding the MICR DS and Image DS fields)
of an item record in the MICR file in the same order the fields are published in
the specifications.
2. Pass this concatenated field to the E-PKI API (provided by PKI vendor) to
obtain the digital signature.
3. Pad the signature with trailing spaces to a length of the corresponding digital
signature field as published in the specifications.
4. Place this padded signature to the MICR DS field as published in the
specifications.

2.1.4 Batch Image DS

1. Read the entire content of an item’s image file - [UIC].IMG.
2. Pass this concatenated field to the E-PKI API (provided by PKI vendor) to
obtain the digital signature.
3. Pad the signature with trailing spaces to a length of the corresponding digital
signature field as published in the specifications.
4. Place this padded signature to the Image DS field as published in the
specifications.

2.1.5 Digital Signature Verification

1. For MICR signature verification, the original MICR information (which can be
obtained in Section 2.1.3) and the MICR DS in the inward MICR file are
required.
For Image signature verification, the entire image content (which can be
obtained in Section 2.1.4) and the Image DS in the inward MICR file are
required.
2. Pass this information to the E-PKI API (provided by PKI vendor) to obtain the
status of the signature.

2.2 VALIDATIONS
2.2.1 GWC
GWC performs several validations before digitally signing on batch level and
encrypting the files for transmission. They include:
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Transmission list filename is numeric

The date in the data file must be the same as the current clearing date
downloaded from the eSPICK Host

All files (MICR and/or Images) indicated in the transmission list are available in
the specified locations

Specified transaction type is valid

The format of the MICR file(s) is according to the respective transaction type’s
file format

MICR file is of the correct size

Numeric fields in the MICR file(s) must be numeric or blank, if not compulsory

Batch item count and amount in the MICR file header must be balanced with
the total of the actual items in the MICR file

Images of all items in the MICR file are all available. (Applicable only to
transaction types with images)

2.2.2 eSPICK Host

The eSPICK Host also performs several levels of validations before accepting
transactions transmitted by GWC.

2.2.2.1 Session Level

They include:

Specified currency is valid

Collecting Bank Type / Bank / Branch is active in eSPICK database

User ID / Password is active and has the privilege to transmit the specified
transaction type

Certificate Used for signing the session is same as stored in User Profile

Specified transaction type is valid

Specified clearing date is valid

Window is open for specified transaction type

Digital signature is verified

Batch Number is not duplicated for Bank Type/Bank/Branch

First Digit of Batch Number according to currency code

2nd and 3rd Digit of Batch Number according to transaction type

2.2.2.2 Batch Level

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They include:

Batch Number is as indicated during session

Batch amount total is verified

Item count total is verified

Digital signature is verified

Collecting Bank Type / Bank / Branch is active in eSPICK database

2.2.2.3 Item Level

They include:

Paying Bank Type / Pay Bank / Pay Branch is active in eSPICK database

Specified transaction code is valid

Check Digit is either Spaces or a 2-digit number

Amount (in Sen) is numeric without any decimals and of 10 digits padded
with leading 0s

Return Code (for return transaction type) is valid

UIC is not duplicated in the system

Express Cheque Acknowledgement is either P or N

Representment UIC – original item must have been returned with re-
presentable code

Return UIC (item must have been presented previously and not yet
returned)

2.3 MECHANISM
The banks must create the MICR file, Image files, transmission list file and start transfer
indicator file according to the specified file format. These files are required to be placed in
a pre-defined location (common folder). Compulsory folders must be present in this
common folder as defined below.

“Ready” folder - Contains transmission list file (.LST) and start transfer indicator file
(.ZST) that are ready for transfer to GWC and transmission to eSPICK

“Process” folder - Contains transmission list file (.LST) and start transfer indicator file
(.ZST) that are currently being processed by GWC

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“Error” folder - Contains transmission list file (.LST) and start transfer indicator file
(.ZST) that failed the list file checking.

“Completed” folder - Contains transmission list file (.LST) and start transfer indicator file
(.ZST) where list file checking is completed.

Date Specific folder - This data specific folder will contain the MICR and image files
indicated in the transmission list file. Folder name will be the clearing date in
YYYYMMDD format.

A detailed illustration of the workflow is provided in Appendix E.

2.3.1 Transmission List File

2.3.1.1 General Description
The GWC requires banks to create a Transmission List File to transmit files to
eSPICK.

Characteristics of the transmission list file are as follows:

- For each batch, the MICR and image files for the batch must be grouped
together and the MICR file for the batch must be followed by the image
files for the batch, e.g. MICR, IMG, IMG, IMG, …, MICR, IMG, IMG, IMG,
etc.
- Contain locations and filenames of MICR and image file(s).
- Can contain multiple sets of MICR and/or image file(s).
- Can contain different transaction types in a single list file.
- Transmission list file will be placed in “Ready” subfolder in pre-defined
shared folder.

2.3.2 Transmission List Status File

2.3.2.1 General Description
At the end of the processing of all the MICR and Image files, the GWC creates
a transmission list status file to indicate the status of the files sent to GWC.
For each transmission list file from the bank’s system, GWC creates a
corresponding transmission list status file.

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This file is placed in the location together with the transmission list file
(“Completed” or “Error” folder depending on the status of the list file
validation).

2.3.3 Transfer Status File

2.3.3.1 General Description
For each batch transferred to GWC from the bank’s system, the GWC creates
a transfer status file upon completion of the attempt to store the batch
information.

This file is placed in the location together with the MICR data file after GWC
validation.

2.3.4 Transmission Status File

2.3.4.1 General Description
For each batch transmitted to eSPICK host via GWC, the GWC creates a
transmission status file.

This file is placed in the location together with the MICR data file.

2.3.5 Start Transfer Indicator

2.3.5.1 General Description
The bank is to create a start transfer indicator file when the list file, MICR file
and image files are available in their corresponding folders. This will serve as
an indicator for GWC to proceed to process the files. The Start transfer
indicator file will be placed in “Ready” subfolder in predefined shared folder
(together with the transmission list file).

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3. SYSTEM CONFIGURATION

3.1 RECOMMENDED SIZING

The recommended sizing acts a guideline for banks in their estimation of hardware
procurement. Some assumptions undertaken for the recommendation are:

60% of the outward volume comes in the last two hours of processing

Inward volume is spread within 4 hours of processing

For banks with more outward volume than inward volume, they should consider the recommended
sizing for the outward volume. Conversely, for banks with centralised inward processing, their inward
volume would be much higher than their individual outward processing; they should thus use the
recommended sizing for the inward volume in their estimation.

3.1.1 Hardware
3.1.1.1 Outward Volume

Grouping based on number of Group 1 Group 2 Group 3

transactions per day (1 - 10,000) (10,001 – 50,000) (50,001-200,000)
Maximum Volume (example) 5,000 10,000 15,000 50,000 100,000 200,000

Peak - Last 2 hrs (120mins)

60% of volume 3,000 6,000 9,000 30,000 60,000 120,000

No. of GWC workstations required 1 2 2 4 8 15

3.1.1.2 Inward Volume

Grouping based on number of Group 1 Group 2 Type 3

transactions per day (1 - 10,000) (10,001 - 50,000) (50,001-200,000)
Maximum Volume 5,000 10,000 15,000 50,000 100,000 200,000

Peak - Last 4 hrs (240mins)

No. of GWC workstations required 1 2 1 4 7 13

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3.1.2 GWC Server Configuration

Grouping Quantity
Group 1 (1 - 10,000)
Intel Pentium 4 3.0Ghz HT 1
80GB
2GB RAM
Group 2 (10,001 - 50,000)
Intel® Pentium® D 1
160GB
2GB RAM
Group 3 (50,001 - 200,000)
2 X Dual-Core Intel Xeon 2
160GB
4GB RAM

3.1.3 GWC Workstation Configuration

Minimum Requirements Quantity

Intel Pentium IV 2.4GHz or higher *n
40GB
512 MB RAM

*n = Number of workstations is dependent on daily cheque volume and subscribed

NWI bandwidth.

3.2 SOFTWARE
In addition to procuring the GWC software, the banks must procure and install the following
system software to enable the GWC to function as designed.

3.2.1 GWC Server

Microsoft Server 2003 (with the latest service packs and security patches)

MS SQL 2005 (Standard or Enterprise Edition)

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3.2.2 GWC Workstation

Microsoft XP Professional (with the latest service packs and security patches)

Internet Explorer 6.0 and above (with the latest service packs and security
patches)

Adobe Acrobat Reader 6.0 and above

CD-ROM burning software in CD-R format (up to the banks to decide)

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A. Standards and Conventions

A.1 UNIQUE IDENTIFIER CODE

The following combination of endorsement information could constitute the Unique
Identifier:

Clearing Date 8 Digit YYYYMMDD

Presenting Bank Type 2 Digit 99
Presenting Bank Code 2 Digit 99
Presenting Branch Code 5 Digits 99999
Batch Number 9 Digits 999999999
9 stands for the Currency Type
1 for MYR
2 for USD
99 stands for the Cheque Type
01 for Normal Cheques
02 for Express Cheques
03 for STP Express Cheques
04 for Banker’s Acceptance
05 for Conversion Cheque
06 for Standing Instruction (Credit)
07 for Standing Instruction (Debit)
99 for Non-Clearing Items
999999 is the unique running number for batch
Item Sequence Number 4 Digit 9999

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A.2 TRANSACTION TYPES

Outward
OWNM Outward Normal MICR OWNI Outward Normal Image
OXCM Outward Express Cheques MICR OXCI Outward Express Cheques Image
OSXM Outward STP Express Cheques MICR OSXI Outward STP Express Cheques Image
OBAM Outward Banker’s Acceptance MICR OBAI Outward Banker’s Acceptance Image
OKCM Outward Conversion Cheque MICR
OSCM Outward Standing Instruction (CR) MICR
OSDM Outward Standing Instruction (DR) MICR
OREM Outward Re-presentment MICR
NCHM Non-Clearing House Cheque MICR NCHI Non-Clearing House Cheque Image
Outward Return
ONRM Outward Normal Return MICR
OBRM Outward Banker’s Acceptance Return MICR
OKRM Outward Conversion Cheque Return MICR
OCRM Outward Standing Instruction (CR) Return MICR
ODRM Outward Standing Instruction (DR) Return MICR
Inward
IWNM Inward Normal MICR IWNI Inward Normal Image
IXCM Inward Express Cheques MICR IXCI Inward Express Cheques Image
ISXM Inward STP Express Cheque MICR ISXI Inward STP Express Cheque Image
IBAM Inward Banker’s Acceptance MICR IBAI Inward Banker’s Acceptance Image
IKCM Inward Conversion Cheque MICR
ISCM Inward Standing Instruction (CR) MICR
ISDM Inward Standing Instruction (DR) MICR
IREM Inward Re-presentment MICR IREI Inward Re-presentment Image
Inward Return
INRM Inward Normal Return MICR INRI Inward Normal Return Image
INRR Inward Normal Return Reason IRRI Inward Normal Return Re-presentable
Image
IBRM Inward Banker’s Acceptance Return MICR IBRI Inward Banker’s Acceptance Return Image
IBRR Inward Banker’s Acceptance Return Reason
IKRM Inward Conversion Cheque Return MICR
IKRR Inward Conversion Cheque Return Reason
ICRM Inward Standing Instruction (CR) Return MICR
ICRR Inward Standing Instruction (CR) Return Reason
IDRM Inward Standing Instruction (DR) Return MICR
IDRR Inward Standing Instruction (DR) Return Reason
Outward Acknowledgement
OXCA Outward Express Cheque Acknowledgement
OSXA Outward STP Express Cheque Acknowledgement

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Inward Acknowledgement
IXCA Inward Express Cheque Acknowledgement
ISXA Inward STP Express Cheque Acknowledgement

A.3 TRANSACTION CODES

No. Descriptions Transaction Codes (TC)
1 Cashiers Order/Bankers Cheques 02
2 Demand Draft 03
3 Dividend Warrant 05
4 Interest Warrant 06
5 Pension Warrant 07
6 Drawing Voucher (DV) 08
7 Interbank Settlement 09
8 Clearing House Voucher 10
9 Cheques Issued by Individual Accountholder 11
10 Cheques Issued by Joint Accountholders 12
11 Banker’s Acceptance (BA) 15
12 Accepted Bills-i/Islamic Acceptance Bills 17
13 Negotiable Islamic Debt Certificate 18
14 Cheques Issued by Sole Proprietor 21
15 Cheques Issued by Partnership 22
16 Cheques issued by Professional Bodies (include lawyers, doctors, 23
accountants who are not registered with SSM)
17 Cheques Issued by Private Limited Companies (Sdn. Bhd.) 24
18 Cheques Issued by Public Listed Companies (Berhad) 25
19 Cheques Issued by Federal Government (include embassies) 31
20 Cheques Issued by State Government 32
21 Cheques Issued by Local Authorities 33
22 Cheques Issued by Statutory Bodies 34
23 Cheques Issued by Trade Union 41
24 Cheques Issued by Cooperatives 42
25 Cheques Issued by Societies/Associations 43
26 Cheques Issued by International Organisations 51
27 Foreign Currency Cheques Drawn in Malaysia 52
28 Ringgit Travellers Cheques 71
29 Money Order 72

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No. Descriptions Transaction Codes (TC)

30 Postal Order 73
31 Giro 74
32 Unpaid Clearing Debit Slip (Cheques Returned) 79
33 Batch Ticket 88
34 Reserved For Clearing House Use (including DCHEQUE Use) 80-87, 89-99

A.4 RETURN CODES

Re-presentable
Code Description
(Y/N)
01 Refer to Drawer Y
02 Exceeded Arrangement/Amount limit exceeded Y
03 Effects Not Cleared Y
04 Not Arranged For Y
05 Payment Stopped/ Payment Countermanded (OD) N
06 Other Reason (for insufficient funds) Y
07 Incorrect Data Capture N
08-09 Reserved for future use N
10 Banker Acceptance/AB-i Return N
11 Post Dated Y
12 Amount in Words/Figures Differs N
13 Amount Protect/Figure Differs N
14 Signature Different from Mandate/Unauthorized Signature/Wrong Signature N
Condition/Unclear Signature Condition
15 Company Stamp/Seal/Chop Required/Drawer's Seal Required N
16 Company Stamp/Seal/Chop Differs/Irregular N
17 Irregularly drawn N
18 One More Signature Required/Additional Drawer Signature Required/Two More N
Signatures Required
19 Stale Cheque/Out of Date/Stale dated N
20 Payment Stop Pending Confirmation/ Payment Stop Pending Confirmation N
21 Payment Stopped/Payment Countermanded (Technical) N
22 Date Required N
23 Payee Name Required N
24 Date Incomplete N
25 Amount in Word Ambiguous N

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Re-presentable
Code Description
(Y/N)
26 Drawer's Signature Required N
27 Amount in figure ambiguous N
28 Date ambiguous N
29 Right Thumb print required N
30 Amount in Words and/or Figures required N
31 Altered Cheque/Alteration Not Allowed N
32 Other chargeable technical reason N
33 Invalid Branch N
34 Cheque Not Issued / Cheque cancelled N
35 Cheque Already Paid/Duplicate Payment N
36 Wrongly encoded/Encoding Error N
37 Payment At Designated Bank Only N
38 Other manipulation/Forgery/Suspect Item N
39 Unauthorized Signature N
40 3rd Party Cheque Requested by Collecting Bank N
41 1st Drawer Signature Differs N
nd
42 2 Drawer Signature Differs N
43 Drawer sign differs N
44 Drawer's sign Irregular N
45 Bank Crossing Required N
46 Double Bank Crossing N
47 Account Closed N
48 Account Frozen N
49 Confirmation Required - Payee Account Credited N
50 Confirmation Required Mutilation/Mutilation Guarantee Required/Mutilated N
Cheque/Cheque Defaced.
51 Confirmation Required Endorsement N
52 Cleared in error / Wrongly cleared to us N
53 Form 'R' Required/Required Form PR/ECM Not Complied with/BOP Required Not N
complied
54 Other Non Chargeable N
55 Deceased Account N
56 Double payee N
57 Account Pending Closure N
58 Drawing voucher not arranged for N

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Re-presentable
Code Description
(Y/N)
59 Drawer's Confirmation Required/Pending Confirmation N
60 Drawer's Full Signature Required/Drawer signature Incomplete N
61 Confirm Discharged N
62 Account invalid N
63 Bank Cross illegible N
64 Payee's Endorsement Required N
65 Bank's Confirmation Required N
66 Restricted payee N
67 Account in liquidation N
68 Drawer's endorsement invalid or missing N
69 Funds held by court/Court Injunction N
70 Cheque Written in Pencil N
71 Company Under Receivership N
72 Superimposed Writing N
73 Cheque to be drawn in RM only N
74 Rate Quoted in Error N
75 Sign Mnemonic Required N
76 Special A/C (DCHEQS) N
77 Large Value Cheque Confirmation N
78 Assigned not stated N
79 Report Loss/ Lost cheque N
80 No Signature on file N
81 Others N

A.5 NON-CONFORMANCE FLAG

Description Flag Value
Fully Conform 0
Mutilated Cheques – Mutilation guaranteed by Collecting Banks 1
Mutilated Cheques – Mutilation caused by Customers 2
Cheques with missing check digit in the MICR codeline 3
Cheques with missing account number in the MICR codeline 4
Cheques with amended cheque serial number, bank branch code and/or transaction code in 5
the MICR codeline.
Cheques with missing payee name, date, amount in words and/or numbers, signature and UV 6

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Description Flag Value

Cheques with apparent alteration(s) 7
Large value cheques (>RM99,999,999.99) 9

A.6 IQA FLAG

Description Flag Value
IQA Tests Not Performed 0
IQA Tests Passed 1
IQA Tests Failed 2

A.6.1 Mandatory IQA Tests

The following table lists the mandatory IQA tests to be performed by banks.

# Quality Test Description Exception Front Back Front

Bitonal Bitonal Grayscale
1 (test Image too light Low pixel count on the 
for all image
banks)
2 (test Image too dark High pixel count on the 
for all image
banks)
3 (test Bent /Torn Image has torn or bent Bent or torn 
for all corners corners such that corners that do
banks) certain information on not have any
the cheque are missing missing
e.g. missing issue date information
4 (test Image skew Image is slanted so Image skewed 
for all much so that certain but does not
banks) information are missing affect any
e.g. MICR incomplete information on
the cheque
5 (test Bent Edge When the whole edge Bent edges 
for all is missing certain that does not
banks) information e.g. MICR have any
date or amount field missing
information

The threshold of each test will be documented in the IQA Specifications document.

A.7 DOCUMENT-TO-FOLLOW FLAG

This is applicable to Banker’s Acceptance only.

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Description Flag Value

Only one page document 0
Other pages will be sent by Presenting bank to Paying bank directly 1

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B. File Formats
B.1 FILENAME CONVENTION
B.1.1 Data Filename

Date(8)BankType(2)Bank(2)Branch(5)Batch(9)TranType(4).MMYR

Field Type Description Example / Valid Values

Date Char [8] Clearing date in yyyymmdd format 28 March 2007 would be
where yyyy is the year, mm is the 20070328
month and dd is the day.
Bank Type Char [2] The bank type of the Presenting Bank 01 for BNM, 02 for Conventional
and 03 for Islamic
Bank Char [2] The Bank code of the Presenting For Outward, this will be the
Bank presenting bank code
For Inward, this will be the
paying bank code
Branch Char [5] The Branch code of the Presenting For Outward, this will be the
Branch presenting branch code
For Inward, this will be the
paying branch code
st
Batch Char [9] 1 Digit – Indicates currency of batch. E.g., Currency – MYR (1)
1 for MYR Cheque Type – OWNM (01)
2 for USD Batch Number – 000001

nd rd
2 and 3 Digits – Indicates the 101000001
cheque type of the batch
01 – OWNM, IWNM
02 – OXCM. IXCM E.g., Currency – MYR (1)
03 – OSXM, ISXM Cheque Type – OREM (21)
04 – OBAM, IBAM Batch Number – 000001
05 – OKCM, IKCM
06 – OSCM, ISCM 121000001
07 – OSDM, ISDM
11 – ONRM, INRM
12 – OXCA, IXCA
13 – OSXA, ISXA
14 – OBRM, IBRM
15 – OKRM, IKRM
16 – OCRM, ICRM
17 – ODRM, IDRM
21 – OREM, IREM
99 – NCHM

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Field Type Description Example / Valid Values

th th
4 to 9 Digits – Batch Number

th th
IMPORTANT: 4 to 9 digits of the
batch number cannot be ‘999999’.
This number is reserved for End-Of-
Day Trailer (EOT) file that is
generated by the eSPICK Host.

The batch number MUST be unique

within a Bank Type, Bank/Branch
currency code and cheque type on
any particular clearing day

Transaction Char [4] It indicates the type of transaction Normal Outward

Type transmitted Representment (MICR) would
be OREM

B.1.2 Image Filename

Date(8)BankType(2)Bank(2)Branch(5)Batch(9)Sequence(4).IMG

NOTE: Image filename must match with the UIC in the corresponding MICR file for the
item.
Field Type Description Example / Valid Values
Date Char [8] Clearing date in yyyymmdd format 28 March 2007 would be
where yyyy is the year, mm is the 20070328
month and dd is the day.
Bank Type Char [2] The bank type of the Presenting Bank 01 for BNM, 02 for Conventional
and 03 for Islamic
Bank Char [2] The Bank code of the Presenting For Outward, this will be the
Bank presenting bank
For Inward, this will be the
paying bank
Branch Char [5] The Branch code of the Presenting For Outward, this will be the
Branch presenting branch
For Inward, this will be the
paying branch
st
Batch Char [9] 1 Digit – Indicates currency of batch. E.g., Currency – MYR (1)
1 for MYR Cheque Type – OWNM (01)
2 for USD Batch Number – 000001

nd rd
2 and 3 Digits – Indicates the 101000001
cheque type of the batch
01 – OWNM, IWNM

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Field Type Description Example / Valid Values

02 – OXCM, IXCM
03 – OSXM, ISXM
04 – OBAM, IBAM
99 – NCHM

th th
4 to 9 Digits – Batch Number

The batch number MUST be unique

within a Bank Type, Bank/Branch
currency code and cheque type on
any particular clearing day
Sequence Char [4] It indicates the sequence number of E.g. 0001
the item within a batch. The
sequence number MUST be unique
within a batch.

B.1.3 Transmission-List File

Date(8)BankType(2)Bank(2)Branch(5)-Batch(9).LST

Field Type Description

Clearing date in yyyymmdd format where yyyy is the year,
Date Char [8]
mm is the month and dd is the day.

Bank Type Char [2] The bank type of the Presenting Bank

Bank Char [2] The Bank code of the Presenting Bank

Branch Char [5] The Branch code of the Presenting Branch

Running batch number must be unique for the day, bears

Batch Char [9] no relationship to the batch number in MICR data files or
UIC.

B.1.4 Transmission-List Status File

Date(8)BankType(2)Bank(2)Branch(5)-Batch(9).RESP

Field Type Description

Clearing date in yyyymmdd format where yyyy is the year,
Date Char [8]
mm is the month and dd is the day.

Bank Type Char [2] The bank type of the Presenting Bank

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Field Type Description

Bank Char [2] The Bank code of the Presenting Bank

Branch Char [5] The Branch code of the Presenting Branch

Returns the same batch number as the Transmission-List

Batch Char [9]
File

B.1.5 Transfer Status File

Date(8)BankType(2)Bank(2)Branch(5)Batch(9)TranType(4).GWC

Field Type Description

Clearing date in yyyymmdd format where yyyy is the year,
Date Char [8]
mm is the month and dd is the day.

Bank Type Char [2] The bank type of the Presenting Bank

Bank Char [2] The Bank code of the Presenting Bank

Branch Char [5] The Branch code of the Presenting Branch

Batch Char [9] 9 digit batch number

4 character abbreviation for the transaction type. E.g.

TranType Char [4]
OWNM for Outward normal MICR

NOTE: The filename for the transfer status file for a batch will be the same as the
corresponding batch’s MICR (.MMYR) file. The file extension will be changed to .GWC

B.1.6 Transmission Status File

Date(8)BankType(2)Bank(2)Branch(5)Batch(9)TranType(4).CTCS

Field Type Description

Clearing date in yyyymmdd format where yyyy is the year,
Date Char [8]
mm is the month and dd is the day.

Bank Type Char [2] The bank type of the Presenting Bank

Bank Char [2] The Bank code of the Presenting Bank

Branch Char [5] The Branch code of the Presenting Branch

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Field Type Description

Batch Char [9] 9 digit batch number

4 character abbreviation for the transaction type. E.g.

TranType Char [4]
OWNM for Outward normal MICR

NOTE: The filename for the transfer status file for a batch will be the same as the
corresponding batch’s MICR (.MMYR) file. The file extension will be changed to
CTCS.

B.1.7 Start Transfer Indicator

Date(8)BankType(2)Bank(2)Branch(5)-Batch(9).ZST

Field Type Description

Clearing date in yyyymmdd format where yyyy is the year,
Date Char [8]
mm is the month and dd is the day.

Bank Type Char [2] The bank type of the Presenting Bank

Bank Char [2] The Bank code of the Presenting Bank

Branch Char [5] The Branch code of the Presenting Branch

Running batch number must be unique for the day, bears

Batch Char [9] no relationship to the batch number in MICR data files or
UIC.

NOTE: The file name for the start transfer indicator file must be the same as the
corresponding transmission list file (.LST) file with the extension changed to .ZST

B.2 FILE FORMATS

B.2.1 Transmission-List File
For MICR File
\Date(8)\BankType(2)Bank(2)Branch(5)\Batch(9)\[MICR File Name].MCurrency(3)
Field Type Description
Date Char [8] Clearing date in yyyymmdd format where yyyy is the year,
mm is the month and dd is the day.
Bank Type Char [2] The bank type of the Presenting Bank

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Field Type Description

Bank Char [2] The Bank code of the Presenting Bank

Branch Char [5] The Branch code of the Presenting Branch

Batch Char [9] 9 digit batch number

Currency Char [3] Currency Code

For Image File

\Date(8)\BankType(2)Bank(2)Branch(5)\Batch(9)\[Item UIC].IMG
Field Type Description
Date Char [8] Clearing date in yyyymmdd format where yyyy is the year,
mm is the month and dd is the day.
Bank Type Char [2] The bank type of the Presenting Bank

Bank Char [2] The Bank code of the Presenting Bank

Branch Char [5] The Branch code of the Presenting Branch

Batch Char [9] 9 digit batch number

Sample transmission list file

- Pre-defined location: C:\CTCS
st
- Clearing date: 1 Mar 2007 (20070301)
- Presenting Bank Type, Bank Code, Branch Code: 012414010
- Batch Number: 121111001 (OREM) and 101111002 (OWNM)

(a) YYYYMMDD indicates clearing date

(b) BT indicates bank type
(c) BB indicates bank code
(d) bbbbb indicates branch code
(e) 999999999 indicates the batch number
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st
1 digit indicates the currency (e.g. 1 for MYR)
nd rd
2 and 3 digits indicates the cheque type
Subsequent 6 digits indicate a unique batch number for the clearing date.
(f) XXXX indicates the 4 characters transaction type (e.g. OWNM)
(g) 9999 indicates the item sequence number

YYYYMMDD BTBBbbbbb 999999999 YYYYMMDDBTBBbbbbb999999999XXXX

\20070301\012414010\121111001\20070301012414010121111001OREM.MMYR
\20070301\012414010\101111002\20070301012414010101111002OWNM.MMYR
\20070301\012414010\101111002\200703010124140101011110020001.IMG
\20070301\012414010\101111002\200703010124140101011110020002.IMG
\20070301\012414010\101111002\200703010124140101011110020003.IMG
\20070301\012414010\101111002\200703010124140101011110020004.IMG
\20070301\012414010\101111002\200703010124140101011110020005.IMG
\20070301\012414010\101111003\20070301012414010101111003OWNM.MMYR
\20070301\012414010\101111003\200703010124140101011110030001.IMG
\20070301\012414010\101111003\200703010124140101011110030002.IMG

YYYYMMDDBTBBbbbbb9999999999999

B.2.2 Transmission List Status File

Ref Name Size (char) Description
1 MICR file name 35 Name of the MICR name that failed
2 Status Code 4 Status code
3 Description 200 Description of error encountered
4 CRLF 2 Carriage return line feed

Sample Transmission list status file

- MICR file 20070301012414010121111001OREM.MMYR transfer successful.
Status code 0000.
- MICR file 20070301012414010101111002OWNM.MMYR transfer failed. Status
code 0002. Status description is “Duplicate Batch”.

20070301012414010121111001OREM.MMYR0000Transfer Successful
20070301012414010101111002OWNM.MMYR0002Duplicate batch.

B.2.3 Transfer Status File

Ref Name Size (char) Description
Line 1
0000 for successful transfer
1 Transfer Status Code 4
> 0000 for failed transfer
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Ref Name Size (char) Description

Position of the item if item check failed.
2 Transfer Item Position 4
Else returns total item count
Number of items in the batch that are
3 Batch Item Count 4
transferred and received by GWC
Number of items in the batch that are
transferred and received by GWC
4 Batch Image Count 4
Can only be 0000 or a 4 digit count same
as the batch item count returned
Batch amount of the batch is transferred
5 Batch Amount 16
and received by GWC
Line 2
6 Transfer Status Desc. 200 Description of the transfer status

Sample
Successful transfer status file for a batch of 20 items with batch total of
RM1,234,567,890.99

00000000002000200000123456789099
Batch transfer successful.

Failed transfer status file with status code 44 for a batch of 20 items with batch total of
RM1,234,567,890.99

00440000002000200000123456789099
Batch transfer failed. Batch not balanced.

Failed transfer status file with status code 123, image for item number 8 not found.
MICR file contains a batch of 20 items with batch total of RM1,234,567,890.99.

01230008002000190000123456789099
Batch transfer failed. Item image not found.

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B.2.4 Transmission Status File

Ref Name Size (char) Description
Line 1

Transmission Status 0000 for successful transfer

1 4
Code > 0000 for failed transfer
Transmission Item Position of the item if item check failed.
2 4
Position Else returns total item count
Number of items in the batch that are
3 Batch Item Count 4 transmitted to and received by eSPICK
Host
Number of items in the batch that are
transmitted to and received by eSPICK
4 Batch Image Count 4 Host
Can only be 0000 or a 4 digit count same
as the batch item count returned
Batch amount of the batch is transmitted
5 Batch Amount 16
to and received by eSPICK Host
Line 2
Transmission Status
6 200 Description of the transmission status
Desc.

Sample
Successful transmission status file for a batch of 20 items with batch total of
RM1,234,567,890.99

00000000002000200000123456789099
Batch transmission successful.

Failed transmission status file with status code 614 for a batch of 20 items with batch
total of RM1,234,567,890.99

06140000002000200000123456789099
Batch transmission failed. Batch files are duplicated.

Failed transmission status file with status code 1044, item 6 is not allowed for re-
presentment. This MICR file contains a batch of 20 items with batch total of
RM1,234,567,890.99

10440006002000200000123456789099
Batch transmission failed. This representment item had
expired.

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B.2.5 Start Transfer Indicator

This file can be empty; the contents of the file will not be read.

B.2.6 OWNM – Outward Normal MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)OWNM.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Outward Normal (01)
Batch No. – 101123456

20070327022414010101123456OWNM.MMYR

Ref Name Size (char) Description

MICR File Detail Header Record (first record 2072 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Image DS 1024 Digital Signature for Image batch
3. Total Item Count 4 The total number of MICR items in the batch
4. Total Amount 16 The total amount of the MICR batch
5. Total Image Count 4 The total number of Image files in the batch
MICR File Detail Record (subsequent records 2128 bytes each)
1. UIC 30 Unique Identification Code
2. Issuing Bank Type 2 The Bank Type according to Bank/Branch list
provided by eSPICK Host every day.
3. Issuing Bank 2 The Bank code printed on the cheque’s MICR line
4. Issuing Branch 5 The Branch code printed on the cheque’s MICR line
5. Paying Bank Type 2 Spaces
6. Paying Bank 2 Spaces
7. Paying Branch 5 Spaces
8. Cheque No 6 Cheque serial number printed on the cheque’s MICR
line
9. Check Digit 2 The check digit printed on the cheque’s MICR line
10. Transaction Code 2 Transaction code printed on the cheque’s MICR line.
Value must be found in the list of approved TC.
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Ref Name Size (char) Description

Value must be found in the list of approved TC.
11. Account Number 10 The account number of the cheque issuer
12. Amount 10 The amount issued on the cheque
13. Non Conformance 1 Refer to Appendix A.5
14. IQA 1 Refer to Appendix A.6
15. MICR DS 1024 Digital Signature for MICR item in this batch
16. Image DS 1024 Digital Signature for Image item in this batch

B.2.7 OXCM – Outward Express Cheque MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)OXCM.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Outward Express Cheque (02)
Batch No. – 102123456

20070327022414010102123456OXCM.MMYR

Ref Name Size (char) Description

MICR File Detail Header Record (first record 2072 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Image DS 1024 Digital Signature for Image batch
3. Total Item Count 4 The total number of MICR items in the batch
4. Total Amount 16 The total amount of the MICR batch
5. Total Image Count 4 The total number of Image files in the batch
MICR File Detail Record (subsequent records 2128 bytes each)
1. UIC 30 Unique Identification Code
2. Issuing Bank Type 2 The Bank Type according to Bank/Branch list
provided by eSPICK Host every day.
3. Issuing Bank 2 The Bank code printed on the cheque’s MICR line
4. Issuing Branch 5 The Branch code printed on the cheque’s MICR line
5. Paying Bank Type 2 Spaces
6. Paying Bank 2 Spaces

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Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
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Ref Name Size (char) Description

7. Paying Branch 5 Spaces
8. Cheque No 6 Cheque serial number printed on the cheque’s MICR
line
9. Check Digit 2 The check digit printed on the cheque’s MICR line
10. Transaction Code 2 Transaction code printed on the cheque’s MICR line.
Value must be found in the list of approved TC.
11. Account Number 10 The account number of the cheque issuer
12. Amount 10 The amount issued on the cheque
13. Non Conformance 1 Refer to Appendix A.5
14. IQA 1 Refer to Appendix A.6
15. MICR DS 1024 Digital Signature for MICR item in this batch
16. Image DS 1024 Digital Signature for Image item in this batch

B.2.8 OSXM – Outward STP Express Cheque MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)OSXM.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Outward STP Express Cheque (03)
Batch No. – 103123456

20070327022414010103123456OSXM.MMYR

Ref Name Size (char) Description

MICR File Detail Header Record (first record 2072 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Image DS 1024 Digital Signature for Image batch
3. Total Item Count 4 The total number of MICR items in the batch
4. Total Amount 16 The total amount of the MICR batch
5. Total Image Count 4 The total number of Image files in the batch
MICR File Detail Record (subsequent records 2128 bytes each)
1. UIC 30 Unique Identification Code
2. Issuing Bank Type 2 The Bank Type according to Bank/Branch list
provided by eSPICK Host every day.
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Ref Name Size (char) Description

3. Issuing Bank 2 The Bank code printed on the cheque’s MICR line
4. Issuing Branch 5 The Branch code printed on the cheque’s MICR line
5. Paying Bank Type 2 Spaces
6. Paying Bank 2 Spaces
7. Paying Branch 5 Spaces
8. Cheque No 6 Cheque serial number printed on the cheque’s MICR
line
9. Check Digit 2 The check digit printed on the cheque’s MICR line
10. Transaction Code 2 Transaction code printed on the cheque’s MICR line.
Value must be found in the list of approved TC.
11. Account Number 10 The account number of the cheque issuer
12. Amount 10 The amount issued on the cheque
13. Non Conformance 1 Refer to Appendix A.5
14. IQA 1 Refer to Appendix A.6
15. MICR DS 1024 Digital Signature for MICR item in this batch
16. Image DS 1024 Digital Signature for Image item in this batch

B.2.9 OBAM – Outward Banker’s Acceptance MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)OBAM.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Outward Banker’s Acceptance (04)
Batch No. – 104123456

20070327022414010104123456OBAM.MMYR

Ref Name Size (char) Description

MICR File Detail Header Record (first record 2072 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Image DS 1024 Digital Signature for Image batch
3. Total Item Count 4 The total number of MICR items in the batch
4. Total Amount 16 The total amount of the MICR batch

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Ref Name Size (char) Description

5. Total Image Count 4 The total number of Image files in the batch
MICR File Detail Record (subsequent records 2129 bytes each)
1. UIC 30 Unique Identification Code
2. Issuing Bank Type 2 The Bank Type according to Bank/Branch list
provided by eSPICK Host every day.
3. Issuing Bank 2 The Bank code printed on the cheque’s MICR line
4. Issuing Branch 5 The Branch code printed on the cheque’s MICR line
5. Paying Bank Type 2 Spaces
6. Paying Bank 2 Spaces
7. Paying Branch 5 Spaces
8. Cheque No 6 Cheque serial number printed on the cheque’s MICR
line
9. Check Digit 2 The check digit printed on the cheque’s MICR line
10. Transaction Code 2 Transaction code printed on the cheque’s MICR line.
Value must be found in the list of approved TC.
11. Account Number 10 The account number of the cheque issuer
12. Amount 10 The amount issued on the cheque
13. Non Conformance 1 Refer to Appendix A.5
14. IQA 1 Refer to Appendix A.6
15. Document-To-Follow 1 Refer to Appendix A.7
16. MICR DS 1024 Digital Signature for MICR item in this batch
17. Image DS 1024 Digital Signature for Image item in this batch

B.2.10 OKCM – Outward Conversion Cheque MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)OKCM.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Outward Conversion Cheque (05)
Batch No. – 105123456

20070327022414010105123456OKCM.MMYR

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Ref Name Size (char) Description

MICR File Detail Header Record (first record 2072 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Image DS 1024 Not applicable, pad field with spaces
3. Total Item Count 4 The total number of MICR items in the batch
4. Total Amount 16 The total amount of the MICR batch
5. Total Image Count 4 Not applicable, set field to 0000
MICR File Detail Record (subsequent records 2128 bytes each)
1. UIC 30 Unique Identification Code
2. Issuing Bank Type 2 The Bank Type according to Bank/Branch list
provided by eSPICK Host every day.
3. Issuing Bank 2 The Bank code printed on the cheque’s MICR line
4. Issuing Branch 5 The Branch code printed on the cheque’s MICR line
5. Paying Bank Type 2 Spaces
6. Paying Bank 2 Spaces
7. Paying Branch 5 Spaces
8. Cheque No 6 Cheque serial number printed on the cheque’s MICR
line
9. Check Digit 2 The check digit printed on the cheque’s MICR line
10. Transaction Code 2 Transaction code printed on the cheque’s MICR line.
Value must be found in the list of approved TC.
11. Account Number 10 The account number of the cheque issuer
12. Amount 10 The amount issued on the cheque
13. Non Conformance 1 Refer to Appendix A.5
14. IQA 1 Refer to Appendix A.6
15. MICR DS 1024 Digital Signature for MICR item in this batch
16. Image DS 1024 Not applicable, pad field with spaces

B.2.11 OSCM – Outward Standing Instruction (CR) MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)OSCM.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Outward Standing Instruction (CR) (06)
Batch No. – 106123456
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20070327022414010106123456OSCM.MMYR

Ref Name Size (char) Description

MICR File Detail Header Record (first record 2072 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Image DS 1024 Not applicable, pad field with spaces
3. Total Item Count 4 The total number of MICR items in the batch
4. Total Amount 16 The total amount of the MICR batch
5. Total Image Count 4 Not applicable, set field to 0000
MICR File Detail Record (subsequent records 2629 bytes each)
1. UIC 30 Unique Identification Code
2. Payee Bank Type 2 The Bank Type according to Bank/Branch list
provided by eSPICK Host every day.
3. Payee Bank 2 The bank code of SI fund receiver
4. Payee Branch 5 The branch code of SI fund receiver
5. Payee Account Number 10 Not Applicable for SI
6. Beneficiary Name 70 Beneficiary name
7. Beneficiary Address 70 Beneficiary address
8. Beneficiary Account No 50 Beneficiary account number
9. Beneficiary I/C No / 20 Beneficiary identification card number or the
company Registration. company registration number
No.
10. Beneficiary Residential 1 Beneficiary is a resident or non-resident
Status
11. By-Order-Of Name 70 By-Order-Of name
12. By-Order-Of Address 70 By-Order-Of address
13. By-Order-Of Account No 50 By-Order-Of account number

14. By-Order-Of I/C No/ 20 By-Order-Of identification card number or the

Company Registration No company registration number
15. By-Order Residential 1 By-Order is a resident or non-resident
Status
16. Remarks 100 Free text field
17. Amount 10 The amount of the Standing Instruction
18. MICR DS 1024 Digital Signature for MICR item in this batch
19. Image DS 1024 Not applicable, pad field with spaces

B.2.12 OSDM – Outward Standing Instruction (DR) MICR

Strictly Confidential

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Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)OSDM.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Outward Standing Instruction (DR) (07)
Batch No. – 107123456

20070327022414010107123456OSDM.MMYR

Ref Name Size (char) Description

MICR File Detail Header Record (first record 2072 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Image DS 1024 Not applicable, pad field with spaces
3. Total Item Count 4 The total number of MICR items in the batch
4. Total Amount 16 The total amount of the MICR batch
5. Total Image Count 4 Not applicable, set field to 0000
MICR File Detail Record (subsequent records 2629 bytes each)
1. UIC 30 Unique Identification Code
2. Payee Bank Type 2 The Bank Type according to Bank/Branch list
provided by eSPICK Host every day.
3. Payee Bank 2 The bank code of SI fund receiver
4. Payee Branch 5 The branch code of SI fund receiver
5. Payee Account Number 10 Not Applicable for SI
6. Beneficiary Name 70 Beneficiary name
7. Beneficiary Address 70 Beneficiary address

8. Beneficiary Account No 50 Beneficiary account number

9. Beneficiary I/C No / 20 Beneficiary identification card number or the
company Registration. company registration number
No.
10. Beneficiary Residential 1 Beneficiary is a resident or non-resident
Status
11. By-Order-Of Name 70 By-Order-Of name
12. By-Order-Of Address 70 By-Order-Of address
13. By-Order-Of Account No 50 By-Order-Of account number

14. By-Order-Of I/C No/ 20 By-Order-Of identification card number or the

Company Registration No company registration number

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Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Ref Name Size (char) Description

15. By-Order Residential 1 By-Order is a resident or non-resident
Status
16. Remarks 100 Free text field
17. Amount 10 The amount of the Standing Instruction
18. MICR DS 1024 Digital Signature for MICR item in this batch
19. Image DS 1024 Not applicable, pad field with spaces

B.2.13 OREM – Outward Representment MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)OREM.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Outward Representment (21)
Batch No. – 121123456

20070327022414010121123456OREM.MMYR

Ref Name Size (char) Description

MICR File Detail Header Record (first record 2072 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Image DS 1024 Not applicable, pad field with spaces
3. Total Item Count 4 The total number of MICR items in the batch
4. Total Amount 16 The total amount of the MICR batch
5. Total Image Count 4 Not applicable, set field to 0000
MICR File Detail Record (subsequent records 2088 bytes each)
1. UIC 30 Unique Identification Code
2. Amount 10 The amount issued on the cheque
3. MICR DS 1024 Digital Signature for MICR item in this batch
4. Image DS 1024 Not applicable, pad field with spaces

B.2.14 NCHM – Non-Clearing House Cheque MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)NCHM.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)

Strictly Confidential

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Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Bank Type – Conventional (02)

Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Non-Clearing House Cheque (99)
Batch No. – 199123456

20070327022414010199123456NCHM.MMYR

Ref Name Size (char) Description

MICR File Detail Header Record (first record 2072 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Image DS 1024 Digital Signature for Image batch
3. Total Item Count 4 The total number of MICR items in the batch
4. Total Amount 16 The total amount of the MICR batch
5. Total Image Count 4 The total number of Image files in the batch
MICR File Detail Record (subsequent records 2128 bytes each)
1. UIC 30 Unique Identification Code
2. Issuing Bank Type 2 The Bank Type according to Bank/Branch list
provided by eSPICK Host every day.
3. Issuing Bank 2 The Bank code printed on the cheque’s MICR line
4. Issuing Branch 5 The Branch code printed on the cheque’s MICR line
5. Paying Bank Type 2 Spaces
6. Paying Bank 2 Spaces
7. Paying Branch 5 Spaces
8. Cheque No 6 Cheque serial number printed on the cheque’s MICR
line
9. Check Digit 2 The check digit printed on the cheque’s MICR line
10. Transaction Code 2 Transaction code printed on the cheque’s MICR line.
Value must be found in the list of approved TC.
11. Account Number 10 The account number of the cheque issuer
12. Amount 10 The amount issued on the cheque
13. Non Conformance 1 Refer to Appendix A.5
14. IQA 1 Refer to Appendix A.6
15. MICR DS 1024 Digital Signature for MICR item in this batch
16. Image DS 1024 Digital Signature for Image item in this batch

Strictly Confidential

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Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

B.2.15 ONRM – Outward Normal Return MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)ONRM.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Outward Normal Return (11)
Batch No. – 111123456

20070327022414010111123456ONRM.MMYR

Ref Name Size (char) Description

MICR File Detail Header Record (first record 1044 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Total Item Count 4 The total number of MICR items in the batch
3. Total Amount 16 The total amount of the MICR batch
MICR File Detail Record (subsequent records 1166 bytes each)
1. UIC 30 Unique Identification Code
2. Amount 10 The amount issued on the cheque
3. Return Code 2 Return code of the returned item. Indicator for future
Re-presentment
4. Return Reason 100 Free Text
5. MICR DS 1024 Digital Signature for MICR item in this batch

B.2.16 OBRM – Outward Banker’s Acceptance Return MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)OBRM.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Outward Banker’s Acceptance Return MICR (14)
Batch No. – 114123456

20070327022414010114123456OBRM.MMYR
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Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Ref Name Size (char) Description

MICR File Detail Header Record (first record 1044 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Total Item Count 4 The total number of MICR items in the batch
3. Total Amount 16 The total amount of the MICR batch
MICR File Detail Record (subsequent records 1166 bytes each)
1. UIC 30 Unique Identification Code
2. Amount 10 The amount of SI
3. Return Code 2 Return code of the returned item.
4. Return Reason 100 Free Text
5. MICR DS 1024 Digital Signature for MICR item in this batch

B.2.17 OKRM – Outward Conversion Cheque Return MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)OKRM.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Outward Conversion Cheque Return MICR (15)
Batch No. – 115123456

20070327022414010115123456OKRM.MMYR

Ref Name Size (char) Description

MICR File Detail Header Record (first record 1044 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Total Item Count 4 The total number of MICR items in the batch
3. Total Amount 16 The total amount of the MICR batch
MICR File Detail Record (subsequent records 1166 bytes each)
1. UIC 30 Unique Identification Code
2. Amount 10 The amount of BA
3. Return Code 2 Return code of the returned item.
4. Return Reason 100 Free Text

Strictly Confidential

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Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Ref Name Size (char) Description

5. MICR DS 1024 Digital Signature for MICR item in this batch

B.2.18 OCRM – Outward Standing Instruction (CR) Return MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)OCRM.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Outward Standing Instruction (CR) Return (16)
Batch No. – 116123456

20070327022414010116123456OCRM.MMYR

Ref Name Size (char) Description

MICR File Detail Header Record (first record 1044 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Total Item Count 4 The total number of MICR items in the batch
3. Total Amount 16 The total amount of the MICR batch
MICR File Detail Record (subsequent records 1166 bytes each)
1. UIC 30 Unique Identification Code
2. Amount 10 The amount issued on the cheque
3. Return Code 2 Return code of the returned item. Indicator for future
Re-presentment
4. Return Reason 100 Free Text
5. MICR DS 1024 Digital Signature for MICR item in this batch

B.2.19 ODRM – Outward Standing Instruction (DR) Return MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)ODRM.MMYR
Example: Clearing date – 27th Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Outward Standing Instruction (DR) Return MICR (17)
Strictly Confidential

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Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Batch No. – 117123456

20070327022414010117123456ODRM.MMYR

Ref Name Size (char) Description

MICR File Detail Header Record (first record 1044 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Total Item Count 4 The total number of MICR items in the batch
3. Total Amount 16 The total amount of the MICR batch
MICR File Detail Record (subsequent records 1166 bytes each)
1. UIC 30 Unique Identification Code
2. Amount 10 The amount of SI
3. Return Code 2 Return code of the returned item.
4. Return Reason 100 Free Text
5. MICR DS 1024 Digital Signature for MICR item in this batch

B.2.20 OXCA – Outward Express Cheque Acknowledgement

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)OXCA.MMYR
Example: Clearing date – 27th Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Outward Express Cheque Acknowledgement (12)
Batch No. – 112123456

20070327022414010112123456OXCA.MMYR

Ref Name Size (char) Description

MICR File Detail Header Record (first record 1044 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Total Item Count 4 The total number of MICR items in the batch
3. Total Amount 16 The total amount of the MICR batch
MICR File Detail Record (subsequent records 1165 bytes each)
1. UIC 30 Unique Identification Code

Strictly Confidential

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Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Ref Name Size (char) Description

2. Amount 10 The amount issued on the cheque
3. Response 1 Acknowledgement response for the Express Cheque.
P – Positive
N – Negative
4. Remarks 100 Free Text
5. MICR DS 1024 Digital Signature for MICR item in this batch

B.2.21 OSXA – Outward STP Express Cheque Acknowledgement

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)OSXA.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Outward STP Express Cheque Acknowledgement (13)
Batch No. – 113123456

20070327022414010113123456OSXA.MMYR

Ref Name Size (char) Description

MICR File Detail Header Record (first record 1044 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Total Item Count 4 The total number of MICR items in the batch
3. Total Amount 16 The total amount of the MICR batch
MICR File Detail Record (subsequent records 1165 bytes each)
1. UIC 30 Unique Identification Code
2. Amount 10 The amount issued on the cheque
3. Response 1 Acknowledgement response for the STP Express
Cheque.
P – Positive
N - Negative
4. Remarks 100 Free Text
5. MICR DS 1024 Digital Signature for MICR item in this batch

B.2.22 IWNM – Inward Normal MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)IWNM.MMYR
Strictly Confidential

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Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Inward Normal (01)
Batch No. – 101123456

20070327022414010101123456IWNM.MMYR

Ref Name Size (char) Description

MICR File Detail Header Record (first record 2072 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Image DS 1024 Digital Signature for Image batch
3. Total Item Count 4 The total number of MICR items in the batch
4. Total Amount 16 The total amount of the MICR batch
5. Total Image Count 4 The total number of Image files in the batch
MICR File Detail Record (subsequent records 2129 bytes each)
1. UIC 30 Unique Identification Code
2. Issuing Bank Type 2 The Bank Type according to Bank/Branch list
provided by eSPICK Host every day.
3. Issuing Bank 2 The Bank code printed on the cheque’s MICR line
4. Issuing Branch 5 The Branch code printed on the cheque’s MICR line
5. Paying Bank Type 2 Spaces
6. Paying Bank 2 Spaces
7. Paying Branch 5 Spaces
8. Cheque No 6 Cheque serial number printed on the cheque’s MICR
line
9. Check Digit 2 The check digit printed on the cheque’s MICR line
10. Transaction Code 2 Transaction code printed on the cheque’s MICR line.
Value must be found in the list of approved TC.
11. Account Number 10 The account number of the cheque issuer
12. Amount 10 The amount issued on the cheque
13. Non Conformance 1 Refer to Appendix A.5
14. IQA 1 Refer to Appendix A.6
15. Image Indicator 1 ‘Y’ – image exists
‘N’ – image missing

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 Pg B-18
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Ref Name Size (char) Description

16. MICR DS 1024 Digital Signature for MICR item in this batch
17. Image DS 1024 Digital Signature for Image item in this batch

B.2.23 IXCM – Inward Express Cheque MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)IXCM.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Inward Express Cheque (02)
Batch No. – 102123456

20070327022414010102123456IXCM.MMYR

Ref Name Size (char) Description

MICR File Detail Header Record (first record 2072 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Image DS 1024 Digital Signature for Image batch
3. Total Item Count 4 The total number of MICR items in the batch
4. Total Amount 16 The total amount of the MICR batch
5. Total Image Count 4 The total number of Image files in the batch
MICR File Detail Record (subsequent records 2129 bytes each)
1. UIC 30 Unique Identification Code
2. Issuing Bank Type 2 The Bank Type according to Bank/Branch list
provided by eSPICK Host every day.
3. Issuing Bank 2 The Bank code printed on the cheque’s MICR line
4. Issuing Branch 5 The Branch code printed on the cheque’s MICR line
5. Paying Bank Type 2 Spaces
6. Paying Bank 2 Spaces
7. Paying Branch 5 Spaces
8. Cheque No 6 Cheque serial number printed on the cheque’s MICR
line
9. Check Digit 2 The check digit printed on the cheque’s MICR line
10. Transaction Code 2 Transaction code printed on the cheque’s MICR line.
Value must be found in the list of approved TC.
Strictly Confidential

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 Pg B-19
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Ref Name Size (char) Description

Value must be found in the list of approved TC.
11. Account Number 10 The account number of the cheque issuer
12. Amount 10 The amount issued on the cheque
13. Non Conformance 1 Refer to Appendix A.5
14. IQA 1 Refer to Appendix A.6
15. Image Indicator 1 ‘Y’ – image exists
‘N’ – image missing
16. MICR DS 1024 Digital Signature for MICR item in this batch
17. Image DS 1024 Digital Signature for Image item in this batch

B.2.24 ISXM – Inward STP Express Cheque MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)ISXM.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Inward STP Express Cheque (03)
Batch No. – 103123456

20070327022414010103123456ISXM.MMYR

Ref Name Size (char) Description

MICR File Detail Header Record (first record 2072 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Image DS 1024 Digital Signature for Image batch
3. Total Item Count 4 The total number of MICR items in the batch
4. Total Amount 16 The total amount of the MICR batch
5. Total Image Count 4 The total number of Image files in the batch
MICR File Detail Record (subsequent records 2129 bytes each)
1. UIC 30 Unique Identification Code
2. Issuing Bank Type 2 The Bank Type according to Bank/Branch list
provided by eSPICK Host every day.
3. Issuing Bank 2 The Bank code printed on the cheque’s MICR line
4. Issuing Branch 5 The Branch code printed on the cheque’s MICR line

Strictly Confidential

A l l R ig ht s R e s e r v e d by
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 Pg B-20
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Ref Name Size (char) Description

5. Paying Bank Type 2 Spaces
6. Paying Bank 2 Spaces
7. Paying Branch 5 Spaces
8. Cheque No 6 Cheque serial number printed on the cheque’s MICR
line
9. Check Digit 2 The check digit printed on the cheque’s MICR line
10. Transaction Code 2 Transaction code printed on the cheque’s MICR line.
Value must be found in the list of approved TC.
11. Account Number 10 The account number of the cheque issuer
12. Amount 10 The amount issued on the cheque
13. Non Conformance 1 Refer to Appendix A.5
14. IQA 1 Refer to Appendix A.6
15. Image Indicator 1 ‘Y’ – image exists
‘N’ – image missing
16. MICR DS 1024 Digital Signature for MICR item in this batch
17. Image DS 1024 Digital Signature for Image item in this batch

B.2.25 IBAM – Inward Banker’s Acceptance MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)IBAM.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Inward Banker’s Acceptance (04)
Batch No. – 104123456

20070327022414010104123456IBAM.MMYR

Ref Name Size (char) Description

MICR File Detail Header Record (first record 2072 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Image DS 1024 Digital Signature for Image batch
3. Total Item Count 4 The total number of MICR items in the batch
4. Total Amount 16 The total amount of the MICR batch

Strictly Confidential

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 Pg B-21
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Ref Name Size (char) Description

5. Total Image Count 4 The total number of Image files in the batch
MICR File Detail Record (subsequent records 2130 bytes each)
1. UIC 30 Unique Identification Code
2. Issuing Bank Type 2 The Bank Type according to Bank/Branch list
provided by eSPICK Host every day.
3. Issuing Bank 2 The Bank code printed on the cheque’s MICR line
4. Issuing Branch 5 The Branch code printed on the cheque’s MICR line
5. Paying Bank Type 2 Spaces
6. Paying Bank 2 Spaces
7. Paying Branch 5 Spaces
8. Cheque No 6 Cheque serial number printed on the cheque’s MICR
line
9. Check Digit 2 The check digit printed on the cheque’s MICR line
10. Transaction Code 2 Transaction code printed on the cheque’s MICR line.
Value must be found in the list of approved TC.
11. Account Number 10 The account number of the cheque issuer
12. Amount 10 The amount issued on the cheque
13. Non Conformance 1 Refer to Appendix A.5
14. IQA 1 Refer to Appendix A.6
15. Document-To-Follow 1 Refer to Appendix A.7
16. Image Indicator 1 ‘Y’ – image exists
‘N’ – image missing
17. MICR DS 1024 Digital Signature for MICR item in this batch
18. Image DS 1024 Digital Signature for Image item in this batch

B.2.26 IKCM – Inward Conversion Cheque MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)IKCM.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Inward Conversion Cheque (05)
Batch No. – 105123456

20070327022414010105123456IKCM.MMYR

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 Pg B-22
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Ref Name Size (char) Description

MICR File Detail Header Record (first record 2072 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Image DS 1024 Not applicable, pad field with spaces
3. Total Item Count 4 The total number of MICR items in the batch
4. Total Amount 16 The total amount of the MICR batch
5. Total Image Count 4 Not applicable, set field to 0000
MICR File Detail Record (subsequent records 2129 bytes each)
1. UIC 30 Unique Identification Code
2. Issuing Bank Type 2 The Bank Type according to Bank/Branch list
provided by eSPICK Host every day.
3. Issuing Bank 2 The Bank code printed on the cheque’s MICR line
4. Issuing Branch 5 The Branch code printed on the cheque’s MICR line
5. Paying Bank Type 2 Spaces
6. Paying Bank 2 Spaces
7. Paying Branch 5 Spaces
8. Cheque No 6 Cheque serial number printed on the cheque’s MICR
line
9. Check Digit 2 The check digit printed on the cheque’s MICR line
10. Transaction Code 2 Transaction code printed on the cheque’s MICR line.
Value must be found in the list of approved TC.
11. Account Number 10 The account number of the cheque issuer
12. Amount 10 The amount issued on the cheque
13. Non Conformance 1 Refer to Appendix A.5
14. IQA 1 Refer to Appendix A.6
15. Image Indicator 1 Not applicable, pad field with space
16. MICR DS 1024 Digital Signature for MICR item in this batch
17. Image DS 1024 Not applicable, pad field with spaces

B.2.27 ISCM – Inward Standing Instruction (CR) MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)ISCM.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
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Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Cheque Type – Inward Standing Instruction (CR) (06)

Batch No. – 106123456

20070327022414010106123456ISCM.MMYR

Ref Name Size (char) Description

MICR File Detail Header Record (first record 2072 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Image DS 1024 Not applicable, pad field with spaces
3. Total Item Count 4 The total number of MICR items in the batch
4. Total Amount 16 The total amount of the MICR batch
5. Total Image Count 4 Not applicable, set field to 0000
MICR File Detail Record (subsequent records 2629 bytes each)
1. UIC 30 Unique Identification Code
2. Payee Bank Type 2 The Bank Type according to Bank/Branch list
provided by eSPICK Host every day.
3. Payee Bank 2 The bank code of SI fund receiver
4. Payee Branch 5 The branch code of SI fund receiver
5. Payee Account Number 10 Not Applicable for SI
6. Beneficiary Name 70 Beneficiary name
7. Beneficiary Address 70 Beneficiary address
8. Beneficiary Account No 50 Beneficiary account number
9. Beneficiary I/C No / 20 Beneficiary identification card number or the
company Registration. company registration number
No.
10. Beneficiary Residential 1 Beneficiary is a resident or non-resident
Status
11. By-Order-Of Name 70 By-Order-Of name
12. By-Order-Of Address 70 By-Order-Of address

13. By-Order-Of Account No 50 By-Order-Of account number

14. By-Order-Of I/C No/ 20 By-Order-Of identification card number or the
Company Registration No company registration number

15. By-Order Residential 1 By-Order is a resident or non-resident

Status
16. Remarks 100 Free text field
17. Amount 10 The amount of the Standing Instruction
18. MICR DS 1024 Digital Signature for MICR item in this batch
19. Image DS 1024 Not applicable, pad field with spaces

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20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg B-24
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

B.2.28 ISDM – Inward Standing Instruction (DR) MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)ISDM.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Inward Standing Instruction (DR) (07)
Batch No. – 107123456

20070327022414010107123456ISDM.MMYR

Ref Name Size (char) Description

MICR File Detail Header Record (first record 2072 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Image DS 1024 Not applicable, pad field with spaces
3. Total Item Count 4 The total number of MICR items in the batch
4. Total Amount 16 The total amount of the MICR batch
5. Total Image Count 4 Not applicable, set field to 0000
MICR File Detail Record (subsequent records 2629 bytes each)
1. UIC 30 Unique Identification Code
2. Payee Bank Type 2 The Bank Type according to Bank/Branch list
provided by eSPICK Host every day.
3. Payee Bank 2 The bank code of SI fund receiver
4. Payee Branch 5 The branch code of SI fund receiver
5. Payee Account Number 10 Not Applicable for SI
6. Beneficiary Name 70 Beneficiary name
7. Beneficiary Address 70 Beneficiary address
8. Beneficiary Account No 50 Beneficiary account number
9. Beneficiary I/C No / 20 Beneficiary identification card number or the
company Registration. company registration number
No.
10. Beneficiary Residential 1 Beneficiary is a resident or non-resident
Status
11. By-Order-Of Name 70 By-Order-Of name
12. By-Order-Of Address 70 By-Order-Of address
13. By-Order-Of Account No 50 By-Order-Of account number

Strictly Confidential

A l l R ig ht s R e s e r v e d by
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg B-25
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Ref Name Size (char) Description

14. By-Order-Of I/C No/ 20 By-Order-Of identification card number or the
Company Registration No company registration number
15. By-Order Residential 1 By-Order is a resident or non-resident
Status
16. Remarks 100 Free text field
17. Amount 10 The amount of the Standing Instruction
18. MICR DS 1024 Digital Signature for MICR item in this batch
19. Image DS 1024 Not applicable, pad field with spaces

B.2.29 IREM – Inward Representment MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)IREM.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Inward Representment (21)
Batch No. – 121123456

20070327022414010121123456IREM.MMYR

Ref Name Size (char) Description

MICR File Detail Header Record (first record 2072 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Image DS 1024 Digital Signature for Image batch
3. Total Item Count 4 The total number of MICR items in the batch
4. Total Amount 16 The total amount of the MICR batch
5. Total Image Count 4 The total number of Image files in the batch
MICR File Detail Record (subsequent records 2129 bytes each)
1. UIC 30 Unique Identification Code
2. Issuing Bank Type 2 The Bank Type according to Bank/Branch list
provided by eSPICK Host every day.
3. Issuing Bank 2 The Bank code printed on the cheque’s MICR line
4. Issuing Branch 5 The Branch code printed on the cheque’s MICR line
5. Paying Bank Type 2 Spaces
6. Paying Bank 2 Spaces

Strictly Confidential

A l l R ig ht s R e s e r v e d by
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg B-26
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Ref Name Size (char) Description

7. Paying Branch 5 Spaces
8. Cheque No 6 Cheque serial number printed on the cheque’s MICR
line
9. Check Digit 2 The check digit printed on the cheque’s MICR line
10. Transaction Code 2 Transaction code printed on the cheque’s MICR line.
Value must be found in the list of approved TC.
11. Account Number 10 The account number of the cheque issuer
12. Amount 10 The amount issued on the cheque
13. Non Conformance 1 Refer to Appendix A.5
14. IQA 1 Refer to Appendix A.6
15. Image Indicator 1 ‘Y’ – image exists
‘N’ – image missing
16. MICR DS 1024 Digital Signature for MICR item in this batch
17. Image DS 1024 Digital Signature for Image item in this batch

B.2.30 INRM – Inward Normal Return MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)INRM.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Inward Normal Return (11)
Batch No. – 111123456

20070327022414010111123456INRM.MMYR

Ref Name Size (char) Description

MICR File Detail Header Record (first record 2072 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Image DS 1024 Digital Signature for Image batch
3. Total Item Count 4 The total number of MICR items in the batch
4. Total Amount 16 The total amount of the MICR batch
5. Total Image Count 4 The total number of Image files in the batch
MICR File Detail Record (subsequent records 2132 bytes each)

Strictly Confidential

A l l R ig ht s R e s e r v e d by
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg B-27
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Ref Name Size (char) Description

1. UIC 30 Unique Identification Code
2. Issuing Bank Type 2 The Bank Type according to Bank/Branch list
provided by eSPICK Host every day.
3. Issuing Bank 2 The Bank code printed on the cheque’s MICR line
4. Issuing Branch 5 The Branch code printed on the cheque’s MICR line
5. Paying Bank Type 2 Spaces
6. Paying Bank 2 Spaces
7. Paying Branch 5 Spaces
8. Cheque No 6 Cheque serial number printed on the cheque’s MICR
line
9. Check Digit 2 The check digit printed on the cheque’s MICR line
10. Transaction Code 2 Transaction code printed on the cheque’s MICR line.
Value must be found in the list of approved TC.
11. Account Number 10 The account number of the cheque issuer
12. Amount 10 The amount issued on the cheque
13. Non Conformance 1 Refer to Appendix A.5
14. IQA 1 Refer to Appendix A.6
15. Image Indicator 1 ‘Y’ – image exists
‘N’ – image missing
16. Return Count 3 Return count of the cheque
17. MICR DS 1024 Digital Signature for MICR item in this batch
18. Image DS 1024 Digital Signature for Image item in this batch

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)INRR.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Inward Normal Return (11)
Batch No. – 111123456

20070327022414010111123456INRR.MMYR

Ref Name Size (char) Description

MICR File Detail Header Record (first record 1044 bytes)

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A l l R ig ht s R e s e r v e d by
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg B-28
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Ref Name Size (char) Description

1. MICR DS 1024 Digital Signature for MICR batch
2. Total Item Count 4 The total number of MICR items in the batch
3. Total Amount 16 The total amount of the MICR batch
MICR File Detail Record (subsequent records 1175 bytes each)
1. UIC 30 Unique Identification Code
2. Amount 10 The amount issued on the cheque
3. Presenting Bank Type 2 The Bank Type according to Bank/Branch list
provided by eSPICK Host every day.
4. Presenting Bank 2 Bank through which the Normal MICR was presented
5. Presenting Branch 5 Branch through which the Normal MICR was
presented
6. Return Code 2 Return code of cheque
7. Return Reason 100 Free text
8. MICR DS 1024 Digital Signature for MICR item in this batch

B.2.31 IBRM – Inward Banker’s Acceptance Return MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)IBRM.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Inward Banker’s Acceptance Return (14)
Batch No. – 114123456

20070327022414010114123456IBRM.MMYR

Ref Name Size (char) Description

MICR File Detail Header Record (first record 2072 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Image DS 1024 Digital Signature for Image batch
3. Total Item Count 4 The total number of MICR items in the batch
4. Total Amount 16 The total amount of the MICR batch
5. Total Image Count 4 The total number of Image files in the batch
MICR File Detail Record (subsequent records 2130 bytes each)

Strictly Confidential

A l l R ig ht s R e s e r v e d by
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg B-29
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Ref Name Size (char) Description

1. UIC 30 Unique Identification Code
2. Issuing Bank Type 2 The Bank Type according to Bank/Branch list
provided by eSPICK Host every day.
3. Issuing Bank 2 The Bank code printed on the cheque’s MICR line
4. Issuing Branch 5 The Branch code printed on the cheque’s MICR line
5. Paying Bank Type 2 Spaces
6. Paying Bank 2 Spaces
7. Paying Branch 5 Spaces
8. Cheque No 6 Cheque serial number printed on the cheque’s MICR
line
9. Check Digit 2 The check digit printed on the cheque’s MICR line
10. Transaction Code 2 Transaction code printed on the cheque’s MICR line.
Value must be found in the list of approved TC.
11. Account Number 10 The account number of the cheque issuer
12. Amount 10 The amount issued on the cheque
13. Non Conformance 1 Refer to Appendix A.5
14. IQA 1 Refer to Appendix A.6
15. Document-To-Follow 1 Refer to Appendix A.7
16. Image Indicator 1 ‘Y’ – image exists
‘N’ – image missing
17. MICR DS 1024 Digital Signature for MICR item in this batch
18. Image DS 1024 Digital Signature for Image item in this batch

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)IBRR.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Inward Banker’s Acceptance Return (14)
Batch No. – 114123456

20070327022414010114123456IBRR.MMYR

Ref Name Size (char) Description

MICR File Detail Header Record (first record 1044 bytes)

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A l l R ig ht s R e s e r v e d by
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg B-30
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Ref Name Size (char) Description

1. MICR DS 1024 Digital Signature for MICR batch
2. Total Item Count 4 The total number of MICR items in the batch
3. Total Amount 16 The total amount of the MICR batch
MICR File Detail Record (subsequent records 1175 bytes each)
1. UIC 30 Unique Identification Code
2. Amount 10 The amount issued on the cheque
3. Presenting Bank Type 2 The Bank Type according to Bank/Branch list
provided by eSPICK Host every day.
4. Presenting Bank 2 Bank through which the Normal MICR was presented
5. Presenting Branch 5 Branch through which the Normal MICR was
presented
6. Return Code 2 Return code of cheque
7. Return Reason 100 Free text
8. MICR DS 1024 Digital Signature for MICR item in this batch

B.2.32 IKRM – Inward Conversion Cheque Return MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)IKRM.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Inward Conversion Cheque Return MICR (15)
Batch No. – 115123456

20070327022414010115123456IKRM.MMYR

Ref Name Size (char) Description

MICR File Detail Header Record (first record 2072 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Image DS 1024 Digital Signature for Image batch
3. Total Item Count 4 The total number of MICR items in the batch
4. Total Amount 16 The total amount of the MICR batch
5. Total Image Count 4 The total number of Image files in the batch
MICR File Detail Record (subsequent records 2128 bytes each)

Strictly Confidential

A l l R ig ht s R e s e r v e d by
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg B-31
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Ref Name Size (char) Description

1. UIC 30 Unique Identification Code
2. Issuing Bank Type 2 The Bank Type according to Bank/Branch list
provided by eSPICK Host every day.
3. Issuing Bank 2 The Bank code printed on the cheque’s MICR
line
4. Issuing Branch 5 The Branch code printed on the cheque’s MICR
line
5. Paying Bank Type 2 Spaces
6. Paying Bank 2 Spaces
7. Paying Branch 5 Spaces
8. Cheque No 6 Cheque serial number printed on the cheque’s
MICR line
9. Check Digit 2 The check digit printed on the cheque’s MICR
line
10. Transaction Code 2 Transaction code printed on the cheque’s MICR
line. Value must be found in the list of approved
TC.
11. Account Number 10 The account number of the cheque issuer
12. Amount 10 The amount issued on the cheque
13. Non Conformance 1 Refer to Appendix A.5
14. IQA 1 Refer to Appendix A.6
15. MICR DS 1024 Digital Signature for MICR item in this batch
16. Image DS 1024 Not applicable, pad field with spaces

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)IKRR.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Inward Conversion Cheque Return (15)
Batch No. – 115123456

20070327022414010115123456IKRR.MMYR

Ref Name Size (char) Description

MICR File Detail Header Record (first record 1044 bytes)

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A l l R ig ht s R e s e r v e d by
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg B-32
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Ref Name Size (char) Description

1. MICR DS 1024 Digital Signature for MICR batch
2. Total Item Count 4 The total number of MICR items in the batch
3. Total Amount 16 The total amount of the MICR batch
MICR File Detail Record (subsequent records 1175 bytes each)
1. UIC 30 Unique Identification Code
2. Amount 10 The amount issued on the cheque
3. Presenting Bank Type 2 The Bank Type according to Bank/Branch list
provided by eSPICK Host every day.
4. Presenting Bank 2 Bank through which the Normal MICR was presented
5. Presenting Branch 5 Branch through which the Normal MICR was
presented
6. Return Code 2 Return code of cheque
7. Return Reason 100 Free text
8. MICR DS 1024 Digital Signature for MICR item in this batch

B.2.33 ICRM – Inward Standing Instruction (CR) Return MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)ICRM.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Inward Standing Instruction (CR) Return (16)
Batch No. – 116123456

20070327022414010116123456ICRM.MMYR

Ref Name Size (char) Description

MICR File Detail Header Record (first record 2072 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Image DS 1024 Not applicable, pad field with spaces
3. Total Item Count 4 The total number of MICR items in the batch
4. Total Amount 16 The total amount of the MICR batch
5. Total Image Count 4 Not applicable, set field to 0000
MICR File Detail Record (subsequent records 2629 bytes each)

Strictly Confidential

A l l R ig ht s R e s e r v e d by
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg B-33
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Ref Name Size (char) Description

1. UIC 30 Unique Identification Code
2. Payee Bank Type 2 The Bank Type according to Bank/Branch list
provided by eSPICK Host every day.
3. Payee Bank 2 The bank code of SI fund receiver
4. Payee Branch 5 The branch code of SI fund receiver
5. Payee Account Number 10 Not Applicable for SI
6. Beneficiary Name 70 Beneficiary name
7. Beneficiary Address 70 Beneficiary address

8. Beneficiary Account No 50 Beneficiary account number

9. Beneficiary I/C No / 20 Beneficiary identification card number or the
company Registration. company registration number
No.
10. Beneficiary Residential 1 Beneficiary is a resident or non-resident
Status
11. By-Order-Of Name 70 By-Order-Of name
12. By-Order-Of Address 70 By-Order-Of address
13. By-Order-Of Account No 50 By-Order-Of account number
14. By-Order-Of I/C No/ 20 By-Order-Of identification card number or the
Company Registration No company registration number
15. By-Order Residential 1 By-Order is a resident or non-resident
Status
16. Remarks 100 Free text field
17. Amount 10 The amount of the Standing Instruction
18. MICR DS 1024 Digital Signature for MICR item in this batch
19. Image DS 1024 Not applicable, pad field with spaces

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)ICRR.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Inward Standing Instruction (CR) Return (16)
Batch No. – 116123456

20070327022414010116123456ICRR.MMYR

Strictly Confidential

A l l R ig ht s R e s e r v e d by
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg B-34
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Ref Name Size (char) Description

MICR File Detail Header Record (first record 1044 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Total Item Count 4 The total number of MICR items in the batch
3. Total Amount 16 The total amount of the MICR batch
MICR File Detail Record (subsequent records 1175 bytes each)
1. UIC 30 Unique Identification Code
2. Amount 10 The amount issued on the cheque
3. Presenting Bank 2 The Bank Type according to Bank/Branch list provided by
Type eSPICK Host every day.
4. Presenting Bank 2 Bank through which the Normal MICR was presented
5. Presenting Branch 5 Branch through which the Normal MICR was presented
6. Return Code 2 Return code of cheque
7. Return Reason 100 Free text
8. MICR DS 1024 Digital Signature for MICR item in this batch

B.2.34 IDRM – Inward Standing Instruction (DR) Return MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)IDRM.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Inward Standing Instruction (DR) Return (17)
Batch No. – 117123456

20070327022414010117123456IDRM.MMYR

Ref Name Size (char) Description

MICR File Detail Header Record (first record 2072 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Image DS 1024 Not applicable, pad field with spaces
3. Total Item Count 4 The total number of MICR items in the batch
4. Total Amount 16 The total amount of the MICR batch
5. Total Image Count 4 Not applicable, set field to 0000
MICR File Detail Record (subsequent records 2629 bytes each)

Strictly Confidential

A l l R ig ht s R e s e r v e d by
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg B-35
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Ref Name Size (char) Description

1. UIC 30 Unique Identification Code
2. Payee Bank Type 2 The Bank Type according to Bank/Branch list
provided by eSPICK Host every day.
3. Payee Bank 2 The bank code of SI fund receiver
4. Payee Branch 5 The branch code of SI fund receiver
5. Payee Account Number 10 Not Applicable for SI
6. Beneficiary Name 70 Beneficiary name
7. Beneficiary Address 70 Beneficiary address

8. Beneficiary Account No 50 Beneficiary account number

9. Beneficiary I/C No / 20 Beneficiary identification card number or the
company Registration. company registration number
No.
10. Beneficiary Residential 1 Beneficiary is a resident or non-resident
Status
11. By-Order-Of Name 70 By-Order-Of name
12. By-Order-Of Address 70 By-Order-Of address
13. By-Order-Of Account No 50 By-Order-Of account number
14. By-Order-Of I/C No/ 20 By-Order-Of identification card number or the
Company Registration No company registration number
15. By-Order Residential 1 By-Order is a resident or non-resident
Status
16. Remarks 100 Free text field
17. Amount 10 The amount of the Standing Instruction
18. MICR DS 1024 Digital Signature for MICR item in this batch
19. Image DS 1024 Not applicable, pad field with spaces

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)IDRR.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Inward Standing Instruction (DR) Return (17)
Batch No. – 117123456

20070327022414010117123456IDRR.MMYR

Strictly Confidential

A l l R ig ht s R e s e r v e d by
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg B-36
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Ref Name Size (char) Description

MICR File Detail Header Record (first record 1044 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Total Item Count 4 The total number of MICR items in the batch
3. Total Amount 16 The total amount of the MICR batch
MICR File Detail Record (subsequent records 1175 bytes each)
1. UIC 30 Unique Identification Code
2. Amount 10 The amount issued on the cheque
3. Presenting Bank 2 The Bank Type according to Bank/Branch list provided by
Type eSPICK Host every day.
4. Presenting Bank 2 Bank through which the Normal MICR was presented
5. Presenting Branch 5 Branch through which the Normal MICR was presented
6. Return Code 2 Return code of cheque
7. Return Reason 100 Free text
8. MICR DS 1024 Digital Signature for MICR item in this batch

B.2.35 IXCA – Inward Express Cheque Acknowledgement

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)IXCA.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Inward Express Cheque Acknowledgement (12)
Batch No. – 112123456

20070327022414010112123456IXCA.MMYR

Ref Name Size (char) Description

MICR File Detail Header Record (first record 1044 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Total Item Count 4 The total number of MICR items in the batch
3. Total Amount 16 The total amount of the MICR batch
MICR File Detail Record (subsequent records 1165 bytes each)
1. UIC 30 Unique Identification Code
2. Amount 10 The amount issued on the cheque

Strictly Confidential

A l l R ig ht s R e s e r v e d by
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg B-37
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Ref Name Size (char) Description

3. Response 1 Acknowledgement response for the Express Cheque.
P – Positive
N - Negative
4. Remarks 100 Free Text
5. MICR DS 1024 Digital Signature for MICR item in this batch

B.2.36 ISXA – Inward STP Express Cheque Acknowledgement

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)ISXA.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Cheque Type – Inward STP Express Cheque Acknowledgement (13)
Batch No. – 113123456

20070327022414010113123456ISXA.MMYR

Ref Name Size (char) Description

MICR File Detail Header Record (first record 1044 bytes)
1. MICR DS 1024 Digital Signature for MICR batch
2. Total Item Count 4 The total number of MICR items in the batch
3. Total Amount 16 The total amount of the MICR batch
MICR File Detail Record (subsequent records 1165 bytes each)
1. UIC 30 Unique Identification Code
2. Amount 10 The amount issued on the cheque
3. Response 1 Acknowledgement response for the STP Express
Cheque.
P – Positive
N - Negative
4. Remarks 100 Free Text
5. MICR DS 1024 Digital Signature for MICR item in this batch

B.2.37 Outward End-Of-Day Trailer File

Filename: Date(8)BankType(2)Bank(2)Branch(5)999999999XXXX.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
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Bank Type – Conventional (02)

Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Transaction Type – OWNM

20070327022414010999999999OWNM.MMYR

Ref Name Size (char) Description

EOD Trailer File Detail Header Record (first record 1060 bytes)
1. MICR DS 1024 Digital Signature for EOD trailer file
2. Total Item Count 10 The total number of MICR items for the bank branch
3. Total Amount 16 The total amount for the bank branch
4. Total Image Count 10 The total number of image items for the bank branch
EOD Trailer File Detail Record (subsequent records 33 bytes each)
1. Batch Number 9 Unique Identification Code
2. Batch Item Count 4 The total number of MICR items for the batch
3. Batch Amount 16 The total amount of the MICR batch
4. Batch Image Count 4 The total number of image items for batch

B.2.38 Inward End-Of-Day Trailer File

Filename: Date(8)BankType(2)Bank(2)Branch(5)999999999XXXX.MMYR
th
Example: Clearing date – 27 Mar 2007 (20070327)
Bank Type – Conventional (02)
Bank Code – 24
Branch Code – 14010
Currency – MYR (1)
Transaction Type – IWNM

20070327022414010999999999IWNM.MMYR

Ref Name Size (char) Description

EOD Trailer File Detail Header Record (first record 1060 bytes)
1. MICR DS 1024 Digital Signature for EOD trailer file
2. Total Item Count 10 The total number of MICR items for the bank branch

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Ref Name Size (char) Description

3. Total Amount 16 The total amount of the MICR batch
4. Total Image Count 10 The total number of image items for the bank branch
EOD Trailer File Detail Record (subsequent records 33 bytes each)
1. Batch Number 9 Unique Identification Code
2. Batch Item Count 4 The total number of MICR items for the batch
3. Batch Amount 16 The total amount of the MICR batch
4. Batch Image Count 4 The total number of image items for batch

B.2.39 FI Type File

Filename: Date(8)FIType.ALL
th
Example: Clearing date – 27 Mar 2007 (20070327)
20070327FIType.ALL

Ref Name Size (char) Description

1. FI Type Code 2 FI Type code. E.g. 01 for BNM or 02 for Conventional
2. FI Type Description 50 FI Type Description

B.2.40 Bank File

Filename: Date(8)Bank.Currency(3)
th
Example: Clearing date – 27 Mar 2007 (20070327)
Currency – MYR
20070327Bank.MYR

Ref Name Size (char) Description

1. FI Type 2 FI Type code. E.g. 01 for BNM or 02 for Conventional
2. Bank Code 2 Bank Code
3. Bank Short Name 30 Bank short name
4. Bank Name 50 Bank name

B.2.41 Branch File

Filename: BKBRInfoyyyymmdd.txt
th
Example: Clearing date – 27 Mar 2007 (20070327)
BKBRInfo20070327.txt

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Ref Name Size (char) Description

Header
1 Date 8 Generation Date (in YYYYMMDD)
2 Filler 106
Detail
1 BankBranch 7 Bank Branch Code
2 Bank Name 30 Bank Name
3 Branch Name 30 Branch Name
4 Town Name 30 Town Name
5 State Code 2 State Code
6 Zone Type 1 Zone Type
7 Zone Code 2 Zone Code
8 Bank Type 2 Bank Type
9 Update Date 8 Transaction last update date (yyyymmdd)
10 Mailbox 1 Use for GWC only
11 Business Type 1 Business Type for the Branch. 1=Conventional,
2=Islamic (SPI)
Footer
1 Tag 6 ‘TOTAL: ‘
2 TotalNumber 4 Total number of records
3 Filler 104 Filler

Note: There is a newline (CRLF) after each record.

B.2.42 Transaction Type File

Removed

B.2.43 Transaction Code File

Filename: Date(8)TransactionCode.Currency(3)
th
Example: Clearing date – 27 Mar 2007 (20070327)
Currency – MYR
20070327TransactionCode.MYR

Ref Name Size (char) Description

1. Transaction Code 2 Transaction code
2. TC Description 150 Transaction code description
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B.2.44 Return Code File

Filename: Date(8)ReturnCode.Currency(3)
th
Example: Clearing date – 27 Mar 2007 (20070327)
Currency – MYR
20070327ReturnCode.MYR

Ref Name Size (char) Description

1. Return Code 2 Return code
2. Return Code Description 100 Return code description
3. Re-presentable 1 Y for Yes
N for No

B.2.45 Error Codes File

Date(8)ErrorCode.ALL
th
Example: Clearing date – 27 Mar 2007 (20070327)
20070327ErrorCode.ALL

Ref Name Size (char) Description

1. Error Code 4 4 digit error code
2. Error Description 100 Error description

B.2.46 Inward File

File Name: BankType(2)BankCode(2)Year(4)Month(2)Day(2)INW.Currency(3)

No Field Length Remarks

Header Record (Record Length: 15)
1. Header Indicator 3 Value “HDR”
2. Bank Type 2 Paying Bank Type
3. Bank Code 2 Paying Bank Code
4. Date 8 Date of exchange (YYYYMMDD)
Detail Record (Record Length: 86)
1. Detail Indicator 3 Value “DTL”
2. Check Digit 2 Check digit on the cheque (Blank or Numeric)

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No Field Length Remarks

3. Serial Number 6 Serial number on the cheque
4. Paying Bank Type 2 The Bank Type according to Bank/Branch list provided by eSPICK
Host every day.
5. Paying Bank Code 7 Bank-State-Branch code on the cheque
6. Account Number 10 Account number on cheque
7. Transaction Code 2 Transaction code on the cheque
8. Amount 10 Amount in cents (right justified with leading zeroes).
9. Presenting Bank Type 2 The Bank Type according to Bank/Branch list provided by eSPICK
Host every day.
10. Presenting Bank Code 7 Presenting Bank-State-Branch code
11. Cheque Type 2 Transaction type
12. UIC 30 The sequence number of the document assigned at the point of
capturing
13. Non-Conformance 1 Non-Conformance flag
14. IQA 1 IQA flag
15. Document-To-Follow 1 Applicable for Banker’s Acceptance Only
Trailer Record (Record Length: 24)
1. Trailer Indicator 3 Value "TOT"
2. Total Amount 15 The total amount of inwards in cents
3. Total Record 6 The total number of inward items

NOTE:

File is generated by GWC (this generation is initiated by user at the end of the day)

File will be created at Bank Type and Bank Code level, i.e. one file for each bank type and bank
code.

Each record will be followed by a carriage return line feed (CRLF).

Records will be sorted by:
1. Presenting Bank
2. Presenting Branch

B.2.47 Inward Return File

File Name: BankType(2)BankCode(2)Year(4)Month(2)Day(2)IRF.Currency(3)

No Field Length Remarks

Header Record (Record Length: 15)
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No Field Length Remarks

1. Header Indicator 3 Default Value = ‘HDR’
2. UPI Date 8 UPI Date YYYYMMDD
3. Presenting Bank Type 2 Presenting Bank Type
4. Presenting Bank Code 2 Presenting Bank Code
Detail Record (Record Length: 196)
1. Detail Indicator 3 Default Value = ‘DTL’
2. Clearing Date 8 Cheque Clearing Date (YYYYMMDD)
3. UIC 30 Unique cheque sequence number
4. Presenting Bank Type 2 Bank Type for Presenting Bank.
5. Presenting Bank Code 2 Bank Code for Presenting Bank.
State Code (first 2 digit) and Branch number within the state (next 2
6. Presenting Branch Code 5
digit) and check digit (last digit) for Presenting bank.
7. Check Digit 2 Check digit on the cheque
8. Cheque Number 6 Cheque Number
9. Paying Bank Type 2 Bank Type
10. Paying Bank Code 2 Bank Code for Paying Bank.
State Code (first 2 digit) and Branch number within the state (next 2
11. Paying Branch Code 5
digit) and check digit (last digit) for Paying Bank.
12. Account Number 10 Payer Account Number (Paying Bank)
13. Transaction Code 2 Code for Transaction Type
14. Amount 10 Cheque Amount (include 2 digit for decimal amount)
15. Return Code 2 Reason for cheque returned
16. Return Count 3 Number of times the item has been returned
17. Cheque Type 2 Transaction Type
18. Return Reason 100 Free text return reason
Trailer Record (Record Length: 28)
1. Trailer Indicator 3 Default Value = ‘TRL’
2. Paying Bank Type 2 Bank Type for Paying Bank.
3. Paying Bank Code 2 Bank Code for Paying Bank.
4. Total Record 6 Total record in for this Paying Bank
5. Total Amount 15 Total UPI amount for this Paying Bank
Summary Record (Record Length: 24)
1 Summary Indicator 3 Default Value = ‘TOT’
2 Total Record 6 Total record in this file (Not include header and footer)
3 Total Amount 15 Total UPI amount from this file

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NOTE:

File is generated by GWC (this generation is initiated by user at the end of the day)

File will be created at Bank Type and Bank Code level, i.e. one file for each bank type and bank
code.

Each record will be followed by a carriage return line feed (CRLF).

Records will be sorted by:
1. Paying bank
2. Paying branch

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C. Image Format
C.1 INTRODUCTION
This section describes the CTCS TIFF, a tag-based file format for storing and
interchanging raster images for clearing system, which is tailored to wrap/unwrap from/to
three images (two B/W CCITT group 4 compressed tiff images and one 8-bit grayscale
JPEG compression image) to/from one multi-page (here it is 3-page) tiff image. The
purpose of this appendix is to generate a TIFF 6.0 compatible multi-page image which can
be manipulated by some advanced image software that can deal with extension definition
of TIFF format as well as to provide a compact and manageable easy means for clearing of
such images.

CTCS TIFF format defines the specification of a multi-page tiff file in which there are two or
more TIFF bi-level images compressed with CCITT 4 standard and one or more 8-bit gray
scale JPEG images compressed by baseline JPEG algorithm. The images are chained by
the IFD one by one. For the JPEG file, we leave the original JPEG interchange format
untouched as a whole stream and only the necessary information, such as the attributes of
image and offset to the quantization tables are extracted using the standard TIFF 6.0 tags.
This is to ensure the image in CIT TIFF format is readable for the advanced image viewer
supporting Extension TIFF 6.0. The original image filename is also saved in the multipage
CTCS TIFF file for the future unwrapping processing of CTCS TIFF file. Image is expected
to be single strip. Should multiple strip images be provided, it must be accompanied with
the JPEGRESTARTINTERVAL tag.

The file above has been established by the technical team to be of an average size of 50
KBytes with the 3 said images. To achieve the above size, the following specifications
were set:

JPEG file (front image) – 100dpi or 120dpi,

Quality= minimum value 35,
256 level gray;
CCITT 4 (front image) – 200dpi or 240 dpi;
CCITT 4 (back image) – 200dpi or 240 dpi.

Depending on the design of the cheques, the JPEG image file size should be maintained

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within an average size of 30K.

It is expected that there will be technology change in the future; such technology
advancement may result in improvement in the image settings such as dpi resolution and
level of gray. In this respect, the acceptance of new technology must first be tested and
confirmed by BCSIS.

C.2 MOTIVATION
TIFF describes image data that typically comes from scanners, frame grabbers, and paint-
and photo-retouching programs. A primary goal of TIFF is to provide a rich environment
within which applications can exchange image data.

TIFF has always supported what amounts to a singly linked list of image file directory
(IFD)’s in a single TIFF file, via the “next IFD pointer,” though most applications currently
ignore any IFD beyond the first one. So we choose TIFF format to wrap our multi-
page/multi format images into one disk file.

C.2.1 Features of TIFF

- TIFF is capable of describing bi-level, grayscale, palette-color, and full-color image
data in several color spaces.
- TIFF includes a number of compression schemes that allow developers to choose
the best space or time trade-off for their applications.
- TIFF is not tied to specific scanners, printers, or computer display hardware.
- TIFF is portable. It does not favor particular operating systems, file systems,
compilers, or processors.
- TIFF is designed to be extensible—to evolve gracefully as new needs arise.
- TIFF allows the inclusion of an unlimited amount of private or special purpose
information.
- TIFF is extensible; some new extension such as a new compression scheme
JPEG is included in TIFF 6.0.
- TIFF does not prohibit tags and values allocated in the private number range from
being included in a future revision of TIFF specification.

C.3 ORGANIZATION
This section is organized as follows:

Introduction of this section and
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Definition of CTCS TIFF format.

For simplicity, only tags used in CTCS TIFF format are listed.

C.4 CTCS TIFF FORMAT

The syntax of CTCS TIFF file conforms to the syntax of TIFF 6.0. Some extension tags
defined in TIFF specification 6.0 are used in CTCS TIFF format.

The 1st IFD is fixed at position 8. The 2nd IFD depends on the size of the JPEG image
and the 3rd IFD depends on the size of the JPEG and bitonal front.
One typical example of such extension is as follows:

C.4.1 Specification of baseline CTCS TIFF format

The baseline CTCS TIFF format is designed for only one cheque in which two bi-level
images and one 8-bit gray scale image compressed by baseline JPEG are wrapped.

The syntax of baseline CTCS TIFF format is as follows:

st st
TIFF Header 1 IFD Appendix of 1 IFD JPEG Interchange Format
(8 byte) (8-bit grayscale image) Stream
nd nd
2 IFD Appendix of 2 IFD Image data (compressed
(B/W front image) B/W front image)
rd rd
3 IFD Appendix of 3 IFD Image data (compressed
(B/W back image) B/W back image)

C.4.2 CTCS TIFF extension sample

The structure of CTCS TIFF file is defined below.
TIFF Header
st
1 IFD of cheque 1 (JPEG 8-bit Grayscale Image)
st
appendix of 1 IFD of cheque 1(the value longer than 4 bytes)
JPEG Interchange Format Stream of 8-bit grayscale image of cheque 1
nd
2 IFD of cheque 1 (Front Image B/W)
appendix of 2nd IFD of cheque 1(the value longer than 4 bytes)
Compressed image data stream of B/W front image of cheque 1
rd
3 IFD of cheque 1 (Back Image B/W)
rd
appendix of 3 IFD of cheque 1(the value longer than 4 bytes)

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Compressed image data stream of B/W back image of cheque 1

Notes:

- Only “II” format is supported in CTCS TIFF.

st
- The offset of IFD in TIFF Header is 1 IFD of cheque.
- All encoded image data will be located by the StripOffsets tag. The actual data
can be put anywhere within the CTCS TIFF file.
- All B/W image can be encoded by the standard encoding algorithm defined in
TIFF 6.0 specification. CCITT T.6 is recommended in this specification.
- All 8-bit gray scale images are encoded by JPEG. Baseline algorithms are
recommended in this specification. The full JPEG stream should be retained in
this file, either in JPEG Interchange Format (JIF) or JPEG File Interchange
Format (JFIF). BCSIS TIFF only specifies the tags pointing the data within the
compressed JIF or JFIF stream.

C.4.3 Required fields for baseline CTCS TIFF file

CTCS TIFF Header

Byte Name Value (in hexadecimal notation)

0-1 ByteOrder 4949

2-3 Version 2A00

st
4-7 1 IFD offset 08000000

Required fields of IFD in baseline CTCS TIFF are listed below:

TagName Decimal Type Count Value

st
1 IFD (8-bit JPEG compressed grayscale image)
NewSubFileType 254 LONG 1 0

ImageWidth 256 SHORT or LONG 1 Any

ImageLength 257 SHORT or LONG 1 Any

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TagName Decimal Type Count Value

BitsPerSample 258 SHORT 1 8

Compression 259 SHORT 1 6

PhotometricInterpretation 262 SHORT 1 0 or 1

DocumentName 269 ASCII 30 File name

StripOffsets 273 SHORT or LONG 1 >0

1 Refer to footnote
Orientation @ 274 SHORT
below

SamplesPerPixel 277 SHORT 1 1

RowsPerStrip 278 SHORT or LONG 1 ImageLength

StripByteCounts 279 LONG or SHORT 1 >0

JPEGProc 512 SHORT 1 1

JPEGInterchangeFormat 513 LONG 1 >0

JPEGInterchangeFormatLength 514 LONG 1 >0

JPEGQTables 519 LONG 1 >0

JPEGDCTables 520 LONG 1 >0

JPEGACTables 521 LONG 1 >0

nd
2 IFD (1-bit CCITT compressed B/W front image)

NewSubFileType 254 LONG 1 0

ImageWidth 256 SHORT or LONG 1 Any

ImageLength 257 SHORT or LONG 1 Any

BitsPerSample 258 SHORT 1 1

Compression 259 SHORT 1 4

PhotometricInterpretation 262 SHORT 1 0

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TagName Decimal Type Count Value

DocumentName 269 ASCII 30 File name

StripOffests 273 SHORT or LONG 1 >0

1 Refer to footnote
Orientation @ 274 SHORT
below

SamplesPerPixel 277 SHORT 1 1

RowsPerStrip 278 SHORT or LONG 1 ImageLength

StripByteCounts 279 LONG or SHORT 1 >0

T4Options* 292 LONG 1

T6Options* 293 LONG 1

rd
3 IFD (1-bit CCITT compressed B/W back image)

NewSubFileType 254 LONG 1 0

ImageWidth 256 SHORT or LONG 1 Any

ImageLength 257 SHORT or LONG 1 Any

BitsPerSample 258 SHORT 1 1

Compression 259 SHORT 1 4

PhotometricInterpretation 262 SHORT 1 0 or 1

DocumentName 269 ASCII 30 File name

StripOffests 273 SHORT or LONG 1 >0

1 Refer to footnote
Orientation @ 274 SHORT
below

SamplesPerPixel 277 SHORT 1 1

RowsPerStrip 278 SHORT or LONG 1 ImageLength

StripByteCounts 279 LONG or SHORT 1 >0

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TagName Decimal Type Count Value

T4Options* 292 LONG 1

T6Options* 293 LONG 1

* Footnote
For T4Options or T6Options, one and only one of them should exist in every IFD for 1-bit
CCITT compressed B/W image.
@ (This tag is optional)
1 The 0th row represents the visual top of the image, and the 0th column represents the
visual left-hand side.
2 The 0th row represents the visual top of the image, and the 0th column represents the
visual right-hand side.
3 The 0th row represents the visual bottom of the image, and the 0th column represents
the visual right-hand side.
4 The 0th row represents the visual bottom of the image, and the 0th column represents
the visual left-hand side.
5 The 0th row represents the visual left-hand side of the image, and the 0th column
represents the visual top.
6 The 0th row represents the visual right-hand side of the image, and the 0th column
represents the visual top.
7 The 0th row represents the visual right-hand side of the image, and the 0th column
represents the visual bottom.
8 The 0th row represents the visual left-hand side of the image, and the 0th column
represents the visual bottom.
Default is 1. Support for orientation other than 1 is not a Baseline TIFF requirement.

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C.4.4 Typical CTCS TIFF file

The following is a sample of baseline CTCS TIFF file that adheres to the CTCS format:

Offset(hex) Description Value (in hexadecimal notation)

Header

0000 Byte order 4949

0002 42 2A00

st
0004 1 IFD offset 0800 0000

st
1 IFD JPEG Image Tag Type Count Value/offset

0008 Number of IFD entries 1500

000A NewSubfileType FE00 0400 01000000 00000000

0016 ImageWidth 0001 0300 01000000 CF020000

0022 ImageLength 0101 0300 01000000 A5010000

002E BitsPerSample 0201 0300 01000000 08000000

003A Compression 0301 0300 01000000 06000000

0046 PhotometricInterpretation 0601 0300 01000000 01000000

0052 DocumentName 0D01 0200 1E000000 C2010000

005E StripOffsets 1101 0400 01000000 36030000

006A SamplesPerPixel 1501 0300 01000000 01000000

0076 RowsPerStrip 1601 0300 01000000 A5010000

0082 StripByteCounts 1701 0400 01000000 BDD20000

008E XResolution 1A01 0500 01000000 20010000

009A YResolution 1B01 0500 01000000 28010000

00A6 PlanarConfiguration 1C01 0300 01000000 01000000

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Offset(hex) Description Value (in hexadecimal notation)

00B2 ResolutionUnit 2801 0300 01000000 02000000

00BE JPEGProc 0002 0300 01000000 01000000

00CA JpegInterchangeFormat 0102 0400 01000000 00020000

00D6 JpegInterchangeFOrmatL 0202 0400 01000000 F5D30000

ength

00E2 JpegQTable 0702 0400 01000000 06020000

00EE JpegDCTable 0802 0400 01000000 58020000

00FA JpegACTable 0902 0400 01000000 79020000

nd
0106 Next IFD (2 IFD) offset F5D50000

Values longer than 4 bytes

0120 XResolution 80FC0A00 10270000

0128 YResolution 80FC0A00 10270000

01C2 DocumentName 2000101672220010000010001f.jpg

Image Data

0200 JPEGInterchangeFormat FFD8 FFDB 0043 0008 0606 0706 0508

data

nd
2 IFD Front B/W image Tag Type count Value/offset

D5F5 Number of IFD Entries 1400

D5F7 NewSubfileType FE00 0400 01000000 00000000

D603 ImageWidth 0001 0300 01000000 F0050000

D60F ImageLength 0101 0300 01000000 40030000

D61B BitsPerSample 0201 0300 01000000 01000000

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Offset(hex) Description Value (in hexadecimal notation)

D627 Compression 0301 0300 01000000 04000000

D633 PhotometricInterpretation 0601 0300 01000000 00000000

D63F Thresholding 0701 0300 01000000 01000000

D64B FillOrder 0A01 0300 01000000 01000000

D657 StripOffsets 1101 0400 01000000 EDD70000

D663 SamplesPerPixel 1501 0300 01000000 01000000

D66F RowsPerStrip 1601 0300 01000000 40030000

D67B StripByteCounts 1701 0400 01000000 1F1B0000

D687 XResolution 1A01 0500 01000000 E5D70000

D693 YResolution 1B01 0500 01000000 DDD70000

D69F T4Options 2401 0400 01000000 00000000

D6AB ResolutionUnit 2801 0300 01000000 02000000

D6B7 Software 3101 0200 4E000000 8FD70000

D6C3 DateTime 3201 0200 14000000 7BD70000

D6CF ChequeNumber (private 2C87 0200 2B000000 35D70000

tag)

D6DB DocumentName 0D01 0200 1E000000 17D70000

rd
D6E7 Next IFD (3 IFD) offset 0CF30000

Values longer than 4 bytes

D717 DocumentName 2000101672220010000010001f.tif

D735 Cheque number E<000002<22=08024:0699981001<01;00000300

00;

D77B DateTime 2000:10:17 10:33:34

Strictly Confidential

A l l R ig ht s R e s e r v e d by
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg C-11
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Offset(hex) Description Value (in hexadecimal notation)

D78F Software BCSIS Imaging, Windows, Version 8.2

D7DD YResolution C8000000 01000000

D7E5 XResolution C8000000 01000000

Image Data

D7ED Compressed B/W image

data

rd
3 IFD Back B/W image Tag Type count Value/offset

F30C Number of IFD Entries 1400

F30E NewSubfileType FE00 0400 01000000 00000000

F31A ImageWidth 0001 0300 01000000 F0050000

F326 ImageLength 0101 0300 01000000 40030000

F332 BitsPerSample 0201 0300 01000000 01000000

F33E Compression 0301 0300 01000000 04000000

F34A PhotometricInterpretation 0601 0300 01000000 00000000

F356 Thresholding 0701 0300 01000000 01000000

F362 FillOrder 0A01 0300 01000000 01000000

F36E StripOffsets 1101 0400 01000000 04F50000

F37A SamplesPerPixel 1501 0300 01000000 01000000

F386 RowsPerStrip 1601 0300 01000000 40030000

F392 StripByteCounts 1701 0400 01000000 63010000

F39E XResolution 1A01 0500 01000000 FCF40000

Strictly Confidential

A l l R ig ht s R e s e r v e d by
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg C-12
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Offset(hex) Description Value (in hexadecimal notation)

F3AA YResolution 1B01 0500 01000000 F4F40000

F3B6 T4Options 2401 0400 01000000 00000000

F3C2 ResolutionUnit 2801 0300 01000000 02000000

F3CE Software 3101 0200 4E000000 A6F40000

F3DA DateTime 3201 0200 14000000 92F40000

F3E6 ChequeNumber (private 2C87 0200 00000000 00000000

tag)

F3F2 DocumentName 0D01 0200 1E000000 74F40000

rd
F3FE Next IFD (3 IFD) offset 00000000

Values longer than 4 bytes

F47e DocumentName 2000101672220010000010001b.tif

F492 DateTime 2000:10:17 10:33:34

F4A6 Software BCSIS Imaging, Windows, Version 8.2

F4F4 YResolution C8000000 01000000

F4FC XResolution C8000000 01000000

Image Data

F504 Compressed B/W image

data

End of example

Strictly Confidential

A l l R ig ht s R e s e r v e d by
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-1
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

D. Reports

Report ID Report Name

GWCowd300 INSTITUTION SUMMARY - OUTWARD
GWCiwd310 INSTITUTION SUMMARY - INWARD
GWCord320 INSTITUTION SUMMARY - OUTWARD RETURN
GWCird330 INSTITUTION SUMMARY - INWARD RETURN

GWCowd400 BANK SUMMARY - OUTWARD

GWCiwd410 BANK SUMMARY - INWARD
GWCord420 BANK SUMMARY - OUTWARD RETURN
GWCird430 BANK SUMMARY - INWARD RETURN

GWCcon401 BRANCH SUMMARY - OUTWARD

GWCcon411 BRANCH SUMMARY - INWARD
GWCcon421 BRANCH SUMMARY - OUTWARD RETURN
GWCcon431 BRANCH SUMMARY - INWARD RETURN

GWCowd402 BATCH DETAILS - OUTWARD

GWCiwd412 BATCH DETAILS - INWARD
GWCord422 BATCH DETAILS - OUTWARD RETURN
GWCird432 BATCH DETAILS - INWARD RETURN

GWCutd901 INSTITUTION SUMMARY UN-TRANSMITTED BATCHES - OUTWARD

GWCutd902 INSTITUTION SUMMARY UN-TRANSMITTED BATCHES - OUTWARD RETURN
GWCutd903 INSTITUTION SUMMARY UN-TRANSMITTED BATCHES - OUTWARD ACKNOWLEDGEMENT

GWCcon901 INSTITUTION RECONCILIATION - OUTWARD

GWCcon902 INSTITUTION RECONCILIATION - OUTWARD RETURN

GWCcon903 INSTITUTION RECONCILIATION - OUTWARD ACKNOWLEDGEMENT

GWCcon911 INSTITUTION RECONCILIATION - INWARD

GWCcon912 INSTITUTION RECONCILIATION - INWARD RETURN

GWCcon913 INSTITUTION RECONCILIATION - INWARD ACKNOWLEDGEMENT

Strictly Confidential

A l l R ig ht s R e s e r v e d by
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-2
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

REPORT ID: GWCowd300 BANK NEGARA MALAYSIA PAGE: 9 of 9

SYSTEM DATE: DD-MMM-YYYY CHEQUE TRUNCATION and CONVERSION SYSTEM CLEARING DATE: DD-MMM-YYYY
HH:NN:SS INSTITUTION SUMMARY - OUTWARD (MYR)

Transaction Type: xxxx - <Transaction Type>

Business Type: Conventional

Received Batches Transmitted Batches

Bank Batch Count Item Count Amount (RM) Batch Count Item Count Amount (RM)
99 <Bank Name> 999,999 9,999,999 99,999,999.99 999,999 9,999,999 99,999,999.99
Total for Conventional xxxx : 99,999,999 99,999,999 99,999,999,999.99 99,999,999 99,999,999 99,999,999,999.99

Transaction Type: xxxx - <Transaction Type>

Business Type: SPI

Received Batches Transmitted Batches

Bank Batch Count Item Count Amount (RM) Batch Count Item Count Amount (RM)
99 <Bank Name> 999,999 9,999,999 99,999,999.99 999,999 9,999,999 99,999,999.99
Total for SPI xxxx : 99,999,999 99,999,999 99,999,999,999.99 99,999,999 99,999,999 99,999,999,999.99

GRAND TOTAL FOR XXXX : 99,999,999 99,999,999 99,999,999,999.99 99,999,999 99,999,999 99,999,999,999.99

Strictly Confidential

A l l R ig h t s R e s e r v e d b y
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-3
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

REPORT ID: GWCiwd310 BANK NEGARA MALAYSIA PAGE: 9 of 9

SYSTEM DATE: DD-MMM-YYYY CHEQUE TRUNCATION and CONVERSION SYSTEM CLEARING DATE: DD-MMM-YYYY
HH:NN:SS INSTITUTION SUMMARY - INWARD (MYR)

Transaction Type: xxxx - <Transaction Type>

Business Type: Conventional

Bank Batch Count Item Count Amount (RM)

99 <Bank Name> 999,999 9,999,999 99,999,999.99
Total for Conventional xxxx : 99,999,999 99,999,999 99,999,999,999.99

Transaction Type: xxxx - <Transaction Type>

Business Type: SPI

Bank Batch Count Item Count Amount (RM)

99 <Bank Name> 999,999 9,999,999 99,999,999.99
Total for SPI xxxx : 99,999,999 99,999,999 99,999,999,999.99

GRAND TOTAL FOR XXXX : 99,999,999 99,999,999 99,999,999,999.99

Strictly Confidential

A l l R ig h t s R e s e r v e d b y
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-4
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

REPORT ID: GWCord320 BANK NEGARA MALAYSIA PAGE: 9 of 9

SYSTEM DATE: DD-MMM-YYYY CHEQUE TRUNCATION and CONVERSION SYSTEM CLEARING DATE: DD-MMM-YYYY
HH:NN:SS INSTITUTION SUMMARY - OUTWARD RETURN (MYR)

Transaction Type: xxxx - <Transaction Type>

Business Type: Conventional
Received Batches Transmitted Batches
Bank Batch Count Item Count Amount (RM) Batch Count Item Count Amount (RM)
99 <Bank Name> 999,999 9,999,999 99,999,999.99 999,999 9,999,999 99,999,999.99
Total for Conventional xxxx : 99,999,999 99,999,999 99,999,999,999.99 99,999,999 99,999,999 99,999,999,999.99

Transaction Type: xxxx - <Transaction Type>

Business Type: Islamic
Received Batches Transmitted Batches
Bank Batch Count Item Count Amount (RM) Batch Count Item Count Amount (RM)
99 <Bank Name> 999,999 9,999,999 99,999,999.99 999,999 9,999,999 99,999,999.99
Total for SPI xxxx : 99,999,999 99,999,999 99,999,999,999.99 99,999,999 99,999,999 99,999,999,999.99

GRAND TOTAL FOR XXXX : 99,999,999 99,999,999 99,999,999,999.99 99,999,999 99,999,999 99,999,999,999.99

Strictly Confidential

A l l R ig h t s R e s e r v e d b y
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-5
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

REPORT ID: GWCird330 BANK NEGARA MALAYSIA PAGE: 9 of 9

SYSTEM DATE: DD-MMM-YYYY CHEQUE TRUNCATION and CONVERSION SYSTEM CLEARING DATE: DD-MMM-YYYY
HH:NN:SS INSTITUTION SUMMARY - INWARD RETURN (MYR)

Transaction Type: xxxx - <Transaction Type>

Business Type: Conventional
Bank Batch Count Item Count Amount (RM)
99 <Bank Name> 999,999 9,999,999 99,999,999.99
Total for Conventional xxxx : 99,999,999 99,999,999 99,999,999,999.99

Transaction Type: xxxx - <Transaction Type>

Business Type: SPI
Bank Batch Count Item Count Amount (RM)
99 <Bank Name> 999,999 9,999,999 99,999,999.99
Total for SPI xxxx : 99,999,999 99,999,999 99,999,999,999.99

GRAND TOTAL FOR XXXX : 99,999,999 99,999,999 99,999,999,999.99

Strictly Confidential

A l l R ig h t s R e s e r v e d b y
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-6
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

REPORT ID: GWCowd400 BANK NEGARA MALAYSIA PAGE: 9 of 9

SYSTEM DATE: DD-MMM-YYYY CHEQUE TRUNCATION and CONVERSION SYSTEM CLEARING DATE: DD-MMM-YYYY
HH:NN:SS BANK SUMMARY - OUTWARD (MYR)

Bank: <Code> - <Bank Name>

Transaction Type: xxxx - <Transaction Type>

Business Type: Conventional
Received Batches Transmitted Batches
Branch Batch Count Item Count Amount (RM) Batch Count Item Count Amount (RM)
99999 <Branch Name> 999,999 9,999,999 99,999,999.99 999,999 9,999,999 99,999,999.99
Total for Conventional xxxx : 99,999,999 99,999,999 99,999,999,999.99 99,999,999 99,999,999 99,999,999,999.99

Transaction Type: xxxx - <Transaction Type>

Business Type: SPI
Received Batches Transmitted Batches
Branch Batch Count Item Count Amount (RM) Batch Count Item Count Amount (RM)
99999 <Branch Name> 999,999 9,999,999 99,999,999.99 999,999 9,999,999 99,999,999.99
Total for SPI xxxx : 99,999,999 99,999,999 99,999,999,999.99 99,999,999 99,999,999 99,999,999,999.99

GRAND TOTAL FOR XXXX : 99,999,999 99,999,999 99,999,999,999.99 99,999,999 99,999,999 99,999,999,999.99

Strictly Confidential

A l l R ig h t s R e s e r v e d b y
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-7
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

REPORT ID: GWCiwd410 BANK NEGARA MALAYSIA PAGE: 9 of 9

SYSTEM DATE: DD-MMM-YYYY CHEQUE TRUNCATION and CONVERSION SYSTEM CLEARING DATE: DD-MMM-YYYY
HH:NN:SS BANK SUMMARY – INWARD (MYR)

Bank: <Code> - <Bank Name>

Transaction Type: xxxx - <Transaction Type>

Business Type: Conventional

Branch Batch Count Item Count Amount (RM)

99999 <Branch Name> 999,999 9,999,999 99,999,999.99
Total for Conventional xxxx : 99,999,999 99,999,999 99,999,999,999.99

Transaction Type: xxxx - <Transaction Type>

Business Type: SPI

Branch Batch Count Item Count Amount (RM)

99999 <Branch Name> 999,999 9,999,999 99,999,999.99
Total for SPI xxxx : 99,999,999 99,999,999 99,999,999,999.99

GRAND TOTAL FOR XXXX : 99,999,999 99,999,999 99,999,999,999.99

Strictly Confidential

A l l R ig h t s R e s e r v e d b y
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-8
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

REPORT ID: GWCord420 BANK NEGARA MALAYSIA PAGE: 9 of 9

SYSTEM DATE: DD-MMM-YYYY CHEQUE TRUNCATION and CONVERSION SYSTEM CLEARING DATE: DD-MMM-YYYY
HH:NN:SS BANK SUMMARY - OUTWARD RETURN (MYR)

Bank: <Code> - <Bank Name>

Transaction Type: xxxx - <Transaction Type>

Business Type: Conventional
Received Batches Transmitted Batches
Branch Batch Count Item Count Amount (RM) Batch Count Item Count Amount (RM)
99999 <Branch Name> 999,999 9,999,999 99,999,999.99 999,999 9,999,999 99,999,999.99
Total for Conventional xxxx : 99,999,999 99,999,999 99,999,999,999.99 99,999,999 99,999,999 99,999,999,999.99

Transaction Type: xxxx - <Transaction Type>

Business Type: Islamic
Received Batches Transmitted Batches
Branch Batch Count Item Count Amount (RM) Batch Count Item Count Amount (RM)
99999 <Branch Name> 999,999 9,999,999 99,999,999.99 999,999 9,999,999 99,999,999.99
Total for SPI xxxx : 99,999,999 99,999,999 99,999,999,999.99 99,999,999 99,999,999 99,999,999,999.99

GRAND TOTAL FOR XXXX : 99,999,999 99,999,999 99,999,999,999.99 99,999,999 99,999,999 99,999,999,999.99

Strictly Confidential

A l l R ig h t s R e s e r v e d b y
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-9
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

REPORT ID: GWCird430 BANK NEGARA MALAYSIA PAGE: 9 of 9

SYSTEM DATE: DD-MMM-YYYY CHEQUE TRUNCATION and CONVERSION SYSTEM CLEARING DATE: DD-MMM-YYYY
HH:NN:SS BANK SUMMARY - INWARD RETURN (MYR)

Bank : <Code> - <Bank Name>

Transaction Type: xxxx - <Transaction Type>

Business Type: Conventional
Branch Batch Count Item Count Amount (RM)
99999 <Branch Name> 999,999 9,999,999 99,999,999.99
Total for Conventional xxxx : 99,999,999 99,999,999 99,999,999,999.99

Transaction Type: xxxx - <Transaction Type>

Business Type: SPI
Branch Batch Count Item Count Amount (RM)
99999 <Branch Name> 999,999 9,999,999 99,999,999.99
Total for SPI xxxx : 99,999,999 99,999,999 99,999,999,999.99

GRAND TOTAL FOR XXXX : 99,999,999 99,999,999 99,999,999,999.99

Strictly Confidential

A l l R ig h t s R e s e r v e d b y
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-10
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

REPORT ID: GWCowd401 PAGE: 9 of 9

SYSTEM DATE: DD-MMM-YYYY CLEARING DATE: DD-MMM-YYYY
HH:NN:SS
BANK NEGARA MALAYSIA
CHEQUE TRUNCATION AND CONVERSION
SYSTEM
BRANCH SUMMARY - OUTWARD (MYR)

Bank / Branch: <Code> - <Code> <Bank Name> - <Branch Name>

Transaction Type: xxxx - <Transaction Type>

Business Type: Conventional
Batch No. Item Count Amount (RM)
999999999 9,999,999 99,999,999.99
999999999 9,999,999 99,999,999.99

Total for Conventional xxxx : 999,999 99,999,999 99,999,999,999.99

Transaction Type: xxxx - <Transaction Type>

Business Type: SPI
Batch No. Item Count Amount (RM)
999999999 9,999,999 99,999,999.99
999999999 9,999,999 99,999,999.99

Total for SPI xxxx : 999,999 99,999,999 99,999,999,999.99

GRAND TOTAL FOR XXXX: 999,999 99,999,999 99,999,999,999.99

Strictly Confidential

A l l R ig h t s R e s e r v e d b y
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-11
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

REPORT ID: GWCiwd411 PAGE: 9 of 9

SYSTEM DATE: DD-MMM-YYYY CLEARING DATE: DD-MMM-YYYY
HH:NN:SS
BANK NEGARA MALAYSIA
CHEQUE TRUNCATION and CONVERSION SYSTEM
BRANCH SUMMARY - INWARD (MYR)

Bank /Branch : <Code> - <Code> <Bank Name> - <Branch Name>

Transaction Type: xxxx - <Transaction Type>

Business Type: Conventional
Batch No. Item Count Amount (RM)
999999999 9,999,999 99,999,999.99
999999999 9,999,999 99,999,999.99

Total for Conventional xxxx : 999,999 99,999,999 99,999,999,999.99

Transaction Type: xxxx - <Transaction Type>

Business Type: SPI
Batch No. Item Count Amount (RM)
999999999 9,999,999 99,999,999.99
999999999 9,999,999 99,999,999.99

Total for SPI xxxx : 999,999 99,999,999 99,999,999,999.99

GRAND TOTAL FOR XXXX: 999,999 99,999,999 99,999,999,999.99

Strictly Confidential

A l l R ig h t s R e s e r v e d b y
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-12
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

REPORT ID: GWCord421 PAGE: 9 of 9

SYSTEM DATE: DD-MMM-YYYY CLEARING DATE: DD-MMM-YYYY
HH:NN:SS
BANK NEGARA MALAYSIA
CHEQUE TRUNCATION and CONVERSION SYSTEM
BRANCH SUMMARY - OUTWARD RETURN (MYR)

Bank /Branch : <Code> - <Code> <Bank Name> - <Branch Name>

Transaction Type: xxxx - <Transaction Type>

Business Type: Conventional
Batch No. Item Count Amount (RM)
999999999 9,999,999 99,999,999.99
999999999 9,999,999 99,999,999.99

Total for Conventional xxxx : 999,999 99,999,999 99,999,999,999.99

Transaction Type: xxxx - <Transaction Type>

Business Type: SPI

Batch No. Item Count Amount (RM)
999999999 9,999,999 99,999,999.99
999999999 9,999,999 99,999,999.99

Total for SPI xxxx : 999,999 99,999,999 99,999,999,999.99

GRAND TOTAL FOR XXXX: 999,999 99,999,999 99,999,999,999.99

Strictly Confidential

A l l R ig h t s R e s e r v e d b y
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-13
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

REPORT ID: GWCird431 PAGE: 9 of 9

SYSTEM DATE: DD-MMM-YYYY CLEARING DATE: DD-MMM-YYYY
HH:NN:SS
BANK NEGARA MALAYSIA
CHEQUE TRUNCATION and CONVERSION SYSTEM
BRANCH SUMMARY - INWARD RETURN (MYR)

Bank /Branch : <Code> - <Code> <Bank Name> - <Branch Name>

Transaction Type: xxxx - <Transaction Type>

Business Type: Conventional

Batch No. Item Count Amount (RM)
999999999 9,999,999 99,999,999.99
999999999 9,999,999 99,999,999.99

Total for Conventional xxxx : 999,999 99,999,999 99,999,999,999.99

Transaction Type: xxxx - <Transaction Type>

Business Type: SPI

Batch No. Item Count Amount (RM)
999999999 9,999,999 99,999,999.99
999999999 9,999,999 99,999,999.99

Total for SPI xxxx : 999,999 99,999,999 99,999,999,999.99

GRAND TOTAL FOR XXXX: 999,999 99,999,999 99,999,999,999.99

Strictly Confidential

A l l R ig h t s R e s e r v e d b y
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-14
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

REPORT ID: GWCowd402 BANK NEGARA MALAYSIA Page: 9 of 9

SYSTEM DATE: DD-MMM-YYYY CHEQUE TRUNCATION and CONVERSION SYSTEM CLEARING DATE: DD-MMM-YYYY
HH:NN:SS BATCH DETAILS REPORT – OUTWARD (MYR)

Bank / Branch: <Code> – <Code> <Bank Name> - <Branch Name>

Transaction Type: xxxx - <Transaction Type>

Business Type: Conventional

Batch : 999999999
UIC Pay Bk Pay Br Serial Account TC Non Conf. IQA Amount (RM)
999999999999999999999999999999 99 99999 999999 9999999999 99 9 9 99,999,999.99
Total Count for Batch 999999999: 99,999,999 99,999,999,999,999.99

Total for Conventional XXXX : 99,999,999 99,999,999,999,999.99

Business Type : SPI

Batch : 999999999
UIC Pay Bk Pay Br Serial Account TC Non Conf. IQA Amount (RM)
999999999999999999999999999999 99 99999 999999 9999999999 99 9 9 99,999,999.99
Total Count for Batch 999999999: 99,999,999 99,999,999,999,999.99

Total for SPI XXXX : 99,999,999 99,999,999,999,999.99

GRAND TOTAL FOR XXXX : 99,999,999 99,999,999,999,999.99

Strictly Confidential

A l l R ig h t s R e s e r v e d b y
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-15
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

REPORT ID: GWCiwd412 BANK NEGARA MALAYSIA Page: 9 of 9

SYSTEM DATE: DD-MMM-YYYY CHEQUE TRUNCATION and CONVERSION SYSTEM CLEARING DATE: DD-MMM-YYYY
HH:NN:SS BATCH DETAILS REPORT – INWARD (MYR)

Bank / Branch : <Code> – <Code> <Bank Name> - <Branch Name>

Transaction Type : xxxx - <Transaction Type>

Business Type : Conventional

Batch : 999999999
UIC Pay Bk Pay Br Serial Account TC Non Conf. IQA Amount (RM)
999999999999999999999999999999 99 99999 999999 9999999999 99 9 9 99,999,999.99
Total Count for Batch 999999999: 99,999,999 99,999,999,999,999.99

Total for Conventional XXXX : 99,999,999 99,999,999,999,999.99

Business Type : SPI

Batch : 999999999
UIC Pay Bk Pay Br Serial Account TC Non Conf. IQA Amount (RM)
999999999999999999999999999999 99 99999 999999 9999999999 99 9 9 99,999,999.99
Total Count for Batch 999999999: 99,999,999 99,999,999,999,999.99

Total for SPI XXXX : 99,999,999 99,999,999,999,999.99

GRAND TOTAL FOR XXXX : 99,999,999.99 99,999,999,999,999.99

Strictly Confidential

A l l R ig h t s R e s e r v e d b y
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-16
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

REPORT ID: GWCord422 BANK NEGARA MALAYSIA Page: 9 of 9

SYSTEM DATE: DD-MMM-YYYY CHEQUE TRUNCATION and CONVERSION SYSTEM CLEARING DATE: DD-MMM-YYYY
HH:NN:SS BATCH DETAILS REPORT – OUTWARD RETURN (MYR)

Bank / Branch : <Code> – <Code> <Bank Name> - <Branch Name>

Transaction Type : xxxx - <Transaction Type>

Business Type : Conventional

Batch : 999999999
UIC Return Code Return Reason Amount (RM)
999999999999999999999999999999 99 <Free Text Return Reason> 99,999,999.99
Total Count for Batch 999999999: 99,999,999 99,999,999,999,999.99

Total for Conventional XXXX : 99,999,999 99,999,999,999,999.99

Business Type : SPI

Batch : 999999999
UIC Return Code Return Reason Amount (RM)
999999999999999999999999999999 99 <Free Text Return Reason> 99,999,999.99
Total Count for Batch 999999999: 99,999,999 99,999,999,999,999.99

Total for SPI XXXX : 99,999,999 99,999,999,999,999.99

GRAND TOTAL FOR XXXX : 99,999,999 99,999,999,999,999.99

Strictly Confidential

A l l R ig h t s R e s e r v e d b y
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-17
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

REPORT ID: GWCird432 BANK NEGARA MALAYSIA Page: 9 of 9

SYSTEM DATE: DD-MMM-YYYY CHEQUE TRUNCATION and CONVERSION SYSTEM CLEARING DATE: DD-MMM-YYYY
HH:NN:SS BATCH DETAILS REPORT – INWARD RETURN (MYR)

Bank / Branch : <Code> – <Code> <Bank Name> - <Branch Name>

Transaction Type : xxxx - <Transaction Type>

Business Type : Conventional

Batch : 999999999
UIC Pay Bk Pay Br Serial Account TC Return Code Return Reason Amount (RM)
999999999999999999999999999999 99 99999 999999 9999999999 99 99 <Free Text Return Reason> 99,999,999.99
Total Count for Batch 999999999: 99,999,999 99,999,999,999,999.99

Total for Conventional XXXX : 99,999,999 99,999,999,999,999.99

Business Type : SPI

Batch : 999999999
UIC Pay Bk Pay Br Serial Account TC Return Code Return Reason Amount (RM)
999999999999999999999999999999 99 99999 999999 9999999999 99 99 <Free Text Return Reason> 99,999,999.99
Total Count for Batch 999999999: 99,999,999 99,999,999,999,999.99

Total for SPI XXXX : 99,999,999 99,999,999,999,999.99

GRAND TOTAL FOR XXXX : 99,999,999 99,999,999,999,999.99

Strictly Confidential

A l l R ig h t s R e s e r v e d b y
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-18
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

REPORT ID: GWCutd901 BANK NEGARA MALAYSIA PAGE: 9 of 9

SYSTEM DATE: DD-MMM-YYYY CHEQUE TRUNCATION and CONVERSION SYSTEM CLEARING DATE: DD-MMM-YYYY
HH:NN:SS INSTITUTION UNTRANSMITTED BATCHES - OUTWARD (MYR)

Transaction Type : XXXX - <Transaction Type>

Business Type Bank Branch Batch No. Item Count Amount (RM) MICR Status Image Status Error Code
99 99 99999 999999999 999,999 999,999,999.99 <Transaction Status> <Transaction Status> 9999
99 99 99999 999999999 999,999 999,999,999.99 <Transaction Status> <Transaction Status> 9999
Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

Transaction Type : XXXX - <Transaction Type>

Business Type Bank Branch Batch No. Item Count Amount (RM) MICR Status Image Status Error Code
99 99 99999 999999999 999,999 999,999,999.99 <Transaction Status> <Transaction Status> 9999
99 99 99999 999999999 999,999 999,999,999.99 <Transaction Status> <Transaction Status> 9999
Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

Strictly Confidential

A l l R ig h t s R e s e r v e d b y
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-19
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

REPORT ID: GWCutd902 BANK NEGARA MALAYSIA PAGE: 9 of 9

SYSTEM DATE: DD-MMM-YYYY CHEQUE TRUNCATION and CONVERSION SYSTEM CLEARING DATE: DD-MMM-YYYY
HH:NN:SS INSTITUTION UNTRANSMITTED BATCHES - OUTWARD RETURN (MYR)

Transaction Type : XXXX - <Transaction Type>

Business Type Bank Branch Batch No. Item Count Amount (RM) MICR Status Error Code
99 99 99999 999999999 999,999 999,999,999.99 <Transaction Status> 9999
99 99 99999 999999999 999,999 999,999,999.99 <Transaction Status> 9999
Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

Transaction Type : XXXX - <Transaction Type>

Business Type Bank Branch Batch No. Item Count Amount (RM) MICR Status Error Code
99 99 999999 999999999 999,999 999,999,999.99 <Transaction Status> 9999
99 99 99999 999999999 999,999 999,999,999.99 <Transaction Status> 9999
Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

Strictly Confidential

A l l R ig h t s R e s e r v e d b y
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-20
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

REPORT ID: GWCutd903 BANK NEGARA MALAYSIA PAGE: 9 of 9

SYSTEM DATE: DD-MMM-YYYY CHEQUE TRUNCATION and CONVERSION SYSTEM CLEARING DATE: DD-MMM-YYYY
HH:NN:SS INSTITUTION UNTRANSMITTED BATCHES - OUTWARD ACKNOWLEDGEMENT (MYR)

Transaction Type : XXXX - <Transaction Type>

Business Type Bank Branch Batch No. Item Count Amount (RM) MICR Status Error Code
99 99 99999 999999999 999,999 999,999,999.99 <Transaction Status> 9999
99 99 99999 999999999 999,999 999,999,999.99 <Transaction Status> 9999
Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

Transaction Type : XXXX - <Transaction Type>

Business Type Bank Branch Batch No. Item Count Amount (RM) MICR Status Error Code
99 99 99999 999999999 999,999 999,999,999.99 <Transaction Status> 9999
99 99 99999 999999999 999,999 999,999,999.99 <Transaction Status> 9999
Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

Strictly Confidential

A l l R ig h t s R e s e r v e d b y
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-21
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

REPORT ID: GWCon901 BANK NEGARA MALAYSIA PAGE: 9 of 9

SYSTEM DATE: DD-MMM-YYYY CHEQUE TRUNCATION and CONVERSION SYSTEM CLEARING DATE: DD-MMM-YYYY
HH:NN:SS INSTITUTION RECONCILIATION - OUTWARD (MYR)

SUMMARY
Transaction Type : XXXX - <Transaction Type>
Transmitted End-Of-Day Trailer
Business Type Bank Batch Count Item Count Amount (RM) Batch Count Item Count Amount (RM)
99 99 <Bank Name> 999,999 999,999 999,999,999.99 999,999 9,999,999 99,999,999.99
Total for XXXX 99,999,999 999,999,999 99,999,999,999.99 99,999,999 99,999,999 99,999,999,999,999.99

Transaction Type : XXXX - <Transaction Type>

Transmitted End-Of-Day Trailer
Business Type Bank Batch Count Item Count Amount (RM) Batch Count Item Count Amount (RM)
99 99 <Bank Name> 999,999 999,999 999,999,999.99 999,999 999,999 999,999,999.99
Total for XXXX 99,999,999 999,999,999 99,999,999,999.99 99,999,999 99,999,999 99,999,999,999,999.99

EXCEPTIONS – DIFFERENCES
Transaction Type : XXXX - <Transaction Type>
Item Count Amount (RM)
Business Type Bank Branch Batch No. Transmitted EOT Difference Transmitted EOT Difference
99 99 99999 999999999 999,999 999,999 99 99,999,999.99 99,999,999.99 99.99
Total for XXXX 999,999 99,999,999 99,999,999 99 99,999,999,999.99 99,999,999,999.99 99.99

Transaction Type : XXXX - <Transaction Type>

Item Count Amount (RM)
Strictly Confidential

A l l R ig h t s R e s e r v e d b y
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-22
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Business Type Bank Branch Batch No. Transmitted EOT Difference Transmitted EOT Difference
99 99 99999 999999999 999,999 999,999 99 99,999,999.99 99,999,999.99 99.99
Total for XXXX 999,999 99,999,999 99,999,999 99 99,999,999,999.99 99,999,999,999.99 99.99

EXCEPTIONS – AVAILABLE IN EOT ONLY

Transaction Type : XXXX - <Transaction Type>
Business Type Bank Branch Batch No. Item Count Amount (RM)
99 99 99999 999999999 999,999 99,999,999.99
Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

Transaction Type : XXXX - <Transaction Type>

Business Type Bank Branch Batch No. Item Count Amount (RM)
99 99 999999 999999999 999,999 99,999,999.99
Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

EXCEPTIONS – AVAILABLE IN GWC ONLY

Transaction Type : XXXX - <Transaction Type>
Business Type Bank Branch Batch No. Item Count Amount (RM)
99 99 99999 999999999 999,999 99,999,999.99
Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

Transaction Type : XXXX - <Transaction Type>

Business Type Bank Branch Batch No. Item Count Amount (RM)
99 99 999999 999999999 999,999 99,999,999.99
Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

Strictly Confidential

A l l R ig h t s R e s e r v e d b y
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-23
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

REPORT ID: GWCon902 BANK NEGARA MALAYSIA PAGE: 9 of 9

SYSTEM DATE: DD-MMM-YYYY CHEQUE TRUNCATION and CONVERSION SYSTEM CLEARING DATE: DD-MMM-YYYY
HH:NN:SS INSTITUTION RECONCILIATION - OUTWARD RETURN (MYR)

SUMMARY
Transaction Type : XXXX - <Transaction Type>
Transmitted End-Of-Day Trailer
Business Type Bank Batch Count Item Count Amount (RM) Batch Count Item Count Amount (RM)
99 99 <Bank Name> 999,999 999,999 999,999,999.99 999,999 9,999,999 99,999,999.99
Total for XXXX 99,999,999 999,999,999 99,999,999,999.99 99,999,999 99,999,999 999,999,999,999.99

Transaction Type : XXXX - <Transaction Type>

Transmitted End-Of-Day Trailer
Business Type Bank Batch Count Item Count Amount (RM) Batch Count Item Count Amount (RM)
99 99 <Bank Name> 999,999 999,999 999,999,999.99 999,999 999,999 999,999,999.99
Total for XXXX 99,999,999 999,999,999 99,999,999,999.99 99,999,999 99,999,999 999,999,999,999.99

EXCEPTIONS – DIFFERENCES
Transaction Type : XXXX - <Transaction Type>
Item Count Amount (RM)
Business Type Bank Branch Batch No. Transmitted EOT Difference Transmitted EOT Difference
99 99 999999 999999999 999,999 999,999 99 99,999,999.99 999,999.99 99.99
Total for XXXX 999,999 99,999,999 99,999,999 99 99,999,999,999.99 99,999,999,999.99 99.99

Transaction Type : XXXX - <Transaction Type

Item Count Amount (RM)

Strictly Confidential

A l l R ig h t s R e s e r v e d b y
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-24
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Business Type Bank Branch Batch No. Transmitted EOT Difference Transmitted EOT Difference
99 99 999999 999999999 999,999 999,999 99 99,999,999.99 999,999.99 99.99
Total for XXXX 999,999 99,999,999 99,999,999 99 99,999,999,999.99 99,999,999,999.99 99.99

EXCEPTIONS – AVAILABLE IN EOT ONLY

Transaction Type : XXXX - <Transaction Type>
Business Type Bank Branch Batch No. Item Count Amount (RM)
99 99 999999 999999999 999,999 99,999,999.99
Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

Transaction Type : XXXX - <Transaction Type>

Business Type Bank Branch Batch No. Item Count Amount (RM)
99 99 999999 999999999 999,999 99,999,999.99
Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

EXCEPTIONS – AVAILABLE IN GWC ONLY

Transaction Type : XXXX - <Transaction Type>
Business Type Bank Branch Batch No. Item Count Amount (RM)
99 99 999999 999999999 999,999 99,999,999.99
Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

Transaction Type : XXXX - <Transaction Type>

Business Type Bank Branch Batch No. Item Count Amount (RM)
99 99 999999 999999999 999,999 99,999,999.99
Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

Strictly Confidential

A l l R ig h t s R e s e r v e d b y
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-25
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

REPORT ID: GWCon903 BANK NEGARA MALAYSIA PAGE: 9 of 9

SYSTEM DATE: DD-MMM-YYYY CHEQUE TRUNCATION and CONVERSION SYSTEM CLEARING DATE: DD-MMM-YYYY
HH:NN:SS INSTITUTION RECONCILIATION - OUTWARD RETURN (MYR)

SUMMARY
Transaction Type : XXXX - <Transaction Type
Transmitted End-Of-Day Trailer
Business Type Bank Batch Count Item Count Amount (RM) Batch Count Item Count Amount (RM)
99 99 <Bank Name> 999,999 999,999 999,999,999.99 999,999 9,999,999 99,999,999.99
Total for XXXX 99,999,999 999,999,999 99,999,999,999.99 99,999,999 99,999,999 999,999,999,999.99

Transaction Type : XXXX - <Transaction Type>

Transmitted End-Of-Day Trailer
Business Type Bank Batch Count Item Count Amount (RM) Batch Count Item Count Amount (RM)
99 99 <Bank Name> 999,999 999,999 999,999,999.99 999,999 999,999 999,999,999.99
Total for XXXX 99,999,999 999,999,999 99,999,999,999.99 99,999,999 99,999,999 999,999,999,999.99

EXCEPTIONS - DIFFERENCES
Transaction Type : XXXX - <Transaction Type>
Item Count Amount (RM)
Business Type Bank Branch Batch No. Transmitted EOT Difference Transmitted EOT Difference
99 99 999999 999999999 999,999 999,999 99 99,999,999.99 999,999.99 99.99
Total for XXXX 999,999 99,999,999 99,999,999 99 99,999,999,999.99 99,999,999,999.99 99.99

Transaction Type : XXXX - <Transaction Type>

Item Count Amount (RM)
Strictly Confidential

A l l R ig h t s R e s e r v e d b y
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-26
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Business Type Bank Branch Batch No. Transmitted EOT Difference Transmitted EOT Difference
99 99 999999 999999999 999,999 999,999 99 99,999,999.99 999,999.99 99.99
Total for XXXX 999,999 99,999,999 99,999,999 99 99,999,999,999.99 99,999,999,999.99 99.99

EXCEPTIONS – AVAILABLE IN EOT ONLY

Transaction Type : XXXX - <Transaction Type>
Business Type Bank Branch Batch No. Item Count Amount (RM)
99 99 999999 999999999 999,999 99,999,999.99
Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

Transaction Type : XXXX - <Transaction Type>

Business Type Bank Branch Batch No. Item Count Amount (RM)
99 99 999999 999999999 999,999 99,999,999.99
Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

EXCEPTIONS – AVAILABLE IN GWC ONLY

Transaction Type : XXXX - <Transaction Type>
Business Type Bank Branch Batch No. Item Count Amount (RM)
99 99 999999 999999999 999,999 99,999,999.99
Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

Transaction Type : XXXX - <Transaction Type>

Business Type Bank Branch Batch No. Item Count Amount (RM)
99 99 999999 999999999 999,999 99,999,999.99
Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

Strictly Confidential

A l l R ig h t s R e s e r v e d b y
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-27
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

REPORT ID: GWCon911 BANK NEGARA MALAYSIA PAGE: 9 of 9

SYSTEM DATE: DD-MMM-YYYY CHEQUE TRUNCATION and CONVERSION SYSTEM CLEARING DATE: DD-MMM-YYYY
HH:NN:SS INSTITUTION RECONCILIATION - INWARD (MYR)

SUMMARY
Transaction Type : XXXX - <Transaction Type>
Downloaded End-Of-Day Trailer
Business Type Bank Batch Count Item Count Amount (RM) Batch Count Item Count Amount (RM)
99 99 <Bank Name> 999,999 999,999 999,999,999.99 999,999 9,999,999 99,999,999.99
Total for XXXX 99,999,999 999,999,999 99,999,999,999.99 99,999,999 99,999,999 999,999,999,999.99

Transaction Type : XXXX - <Transaction Type>

Downloaded End-Of-Day Trailer
Business Type Bank Batch Count Item Count Amount (RM) Batch Count Item Count Amount (RM)
99 99 <Bank Name> 999,999 999,999 999,999,999.99 999,999 999,999 999,999,999.99
Total for XXXX 99,999,999 999,999,999 99,999,999,999.99 99,999,999 99,999,999 999,999,999,999.99

EXCEPTIONS - DIFFERENCES
Transaction Type : XXXX - <Transaction Type>
Item Count Amount (RM)
Business Type Bank Branch Batch No. Downloaded EOT Difference Downloaded EOT Difference
99 99 999999 999999999 999,999 999,999 99 99,999,999.99 999,999.99 99.99
Total for XXXX 999,999 99,999,999 99,999,999 99 99,999,999,999.99 99,999,999,999.99 99.99

Transaction Type : XXXX - <Transaction Type>

Item Count Amount (RM)
Strictly Confidential

A l l R ig h t s R e s e r v e d b y
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-28
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Business Type Bank Branch Batch No. Downloaded EOT Difference Downloaded EOT Difference
99 99 999999 999999999 999,999 999,999 99 99,999,999.99 999,999.99 99.99
Total for XXXX 999,999 99,999,999 99,999,999 99 99,999,999,999.99 99,999,999,999.99 99.99

EXCEPTIONS – AVAILABLE IN EOT ONLY

Transaction Type : XXXX - <Transaction Type>
Business Type Bank Branch Batch No. Item Count Amount (RM)
99 99 999999 999999999 999,999 99,999,999.99
Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

Transaction Type : XXXX - <Transaction Type>

Business Type Bank Branch Batch No. Item Count Amount (RM)
99 99 999999 999999999 999,999 99,999,999.99
Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

EXCEPTIONS – AVAILABLE IN GWC ONLY

Transaction Type : XXXX - <Transaction Type>
Business Type Bank Branch Batch No. Item Count Amount (RM)
99 99 999999 999999999 999,999 99,999,999.99
Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

Transaction Type : XXXX - <Transaction Type>

Business Type Bank Branch Batch No. Item Count Amount (RM)
99 99 999999 999999999 999,999 99,999,999.99
Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

Strictly Confidential

A l l R ig h t s R e s e r v e d b y
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-29
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

REPORT ID: GWCon912 BANK NEGARA MALAYSIA PAGE: 9 of 9

SYSTEM DATE: DD-MMM-YYYY CHEQUE TRUNCATION and CONVERSION SYSTEM CLEARING DATE: DD-MMM-YYYY
HH:NN:SS INSTITUTION RECONCILIATION - INWARD RETURN (MYR)

SUMMARY
Transaction Type : XXXX - <Transaction Type>
Downloaded End-Of-Day Trailer
Business Type Bank Batch Count Item Count Amount (RM) Batch Count Item Count Amount (RM)
99 99 <Bank Name> 999,999 999,999 999,999,999.99 999,999 9,999,999 99,999,999.99
Total for XXXX 99,999,999 999,999,999 99,999,999,999.99 99,999,999 99,999,999 999,999,999,999.99

Transaction Type : XXXX - <Transaction Type>

Downloaded End-Of-Day Trailer
Business Type Bank Batch Count Item Count Amount (RM) Batch Count Item Count Amount (RM)
99 99 <Bank Name> 999,999 999,999 999,999,999.99 999,999 999,999 999,999,999.99
Total for XXXX 99,999,999 999,999,999 99,999,999,999.99 99,999,999 99,999,999 999,999,999,999.99

EXCEPTIONS – DIFFERENCES
Transaction Type : XXXX - <Transaction Type>
Item Count Amount (RM)
Business Type Bank Branch Batch No. Downloaded EOT Difference Downloaded EOT Difference
99 99 999999 999999999 999,999 999,999 99 99,999,999.99 999,999.99 99.99
Total for XXXX 999,999 99,999,999 99,999,999 99 99,999,999,999.99 99,999,999,999.99 99.99

Transaction Type : XXXX - <Transaction Type>

Item Count Amount (RM)

Strictly Confidential

A l l R ig h t s R e s e r v e d b y
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-30
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Business Type Bank Branch Batch No. Downloaded EOT Difference Downloaded EOT Difference
99 99 999999 999999 999,999 999,999 99 99,999,999.99 999,999.99 99.99
Total for XXXX 999,999 99,999,999 99,999,999 99 99,999,999,999.99 99,999,999,999.99 99.99

EXCEPTIONS – AVAILABLE IN EOT ONLY

Transaction Type : XXXX - <Transaction Type>
Business Type Bank Branch Batch No. Item Count Amount (RM)
99 99 999999 999999999 999,999 99,999,999.99
Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

Transaction Type : XXXX - <Transaction Type>

Business Type Bank Branch Batch No. Item Count Amount (RM)
99 99 999999 999999999 999,999 99,999,999.99
Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

EXCEPTIONS – AVAILABLE IN GWC ONLY

Transaction Type : XXXX - <Transaction Type>
Business Type Bank Branch Batch No. Item Count Amount (RM)
99 99 999999 999999999 999,999 99,999,999.99
Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

Transaction Type : XXXX - <Transaction Type>

Business Type Bank Branch Batch No. Item Count Amount (RM)
99 99 999999 999999999 999,999 99,999,999.99
Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

Strictly Confidential

A l l R ig h t s R e s e r v e d b y
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-31
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

REPORT ID: GWCon913 BANK NEGARA MALAYSIA PAGE: 9 of 9

SYSTEM DATE: DD-MMM-YYYY CHEQUE TRUNCATION and CONVERSION SYSTEM CLEARING DATE: DD-MMM-YYYY
HH:NN:SS INSTITUTION RECONCILIATION - INWARD ACKNOWLEDGEMENT (MYR)

SUMMARY
Transaction Type : XXXX - <Transaction Type>
Downloaded End-Of-Day Trailer
Business Type Bank Batch Count Item Count Amount (RM) Batch Count Item Count Amount (RM)
99 99 <Bank Name> 999,999 999,999 999,999,999.99 999,999 9,999,999 99,999,999.99
Total for XXXX 99,999,999 999,999,999 99,999,999,999.99 99,999,999 99,999,999 999,999,999,999.99

Transaction Type : XXXX - <Transaction Type>

Downloaded End-Of-Day Trailer
Business Type Bank Batch Count Item Count Amount (RM) Batch Count Item Count Amount (RM)
99 99 <Bank Name> 999,999 999,999 999,999,999.99 999,999 999,999 999,999,999.99
Total for XXXX 99,999,999 999,999,999 99,999,999,999.99 99,999,999 99,999,999 999,999,999,999.99

EXCEPTIONS – DIFFERENCES
Transaction Type : XXXX - <Transaction Type>
Item Count Amount (RM)
Business Type Bank Branch Batch No. Downloaded EOT Difference Downloaded EOT Difference
99 99 999999 999999999 999,999 999,999 99 99,999,999.99 999,999.99 99.99
Total for XXXX 999,999 99,999,999 99,999,999 99 99,999,999,999.99 99,999,999,999.99 99.99

Transaction Type : XXXX - <Transaction Type

Item Count Amount (RM)
Strictly Confidential

A l l R ig h t s R e s e r v e d b y
20071122 - GWC Interface Specifications v.1.3.doc
Symphony BCSIS Sdn Bhd Version 1.2 Release Date: 5-Oct-2007
 Pg D-32
Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
Bank Negara Malaysia

Business Type Bank Branch Batch No. Downloaded EOT Difference Downloaded EOT Difference
99 99 999999 999999999 999,999 999,999 99 99,999,999.99 999,999.99 99.99
Total for XXXX 999,999 99,999,999 99,999,999 99 99,999,999,999.99 99,999,999,999.99 99.99

EXCEPTIONS – AVAILABLE IN EOT ONLY

Transaction Type : XXXX - <Transaction Type>
Business Type Bank Branch Batch No. Item Count Amount (RM)
99 99 999999 999999999 999,999 99,999,999.99
Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

Transaction Type : XXXX - <Transaction Type>

Business Type Bank Branch Batch No. Item Count Amount (RM)
99 99 999999 999999999 999,999 99,999,999.99
Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

EXCEPTIONS – AVAILABLE IN GWC ONLY

Transaction Type : XXXX - <Transaction Type>
Business Type Bank Branch Batch No. Item Count Amount (RM)
99 99 999999 999999999 999,999 99,999,999.99
Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

Transaction Type : XXXX - <Transaction Type>

Business Type Bank Branch Batch No. Item Count Amount (RM)
99 99 999999 999999999 999,999 99,999,999.99
Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

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Cheque Truncation & Conversion System
Gateway Client Interface Specifications For
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E. Workflow Illustration

This section illustrates the steps required to transmit and download transactions to eSPICK Host using the
Gateway Client.

E.1 OUTWARD
Steps System Description
Outward
Step 1 Bank’s OCS
Perform cheque capturing (For transactions with physical instrument for
capturing)

Create transaction (For transactions without physical instrument for
capturing)

Perform IQA on cheque images (Only applicable to transactions with
image)

Perform reject repair (if any)

Perform data entry (if required)

Step 2 Bank’s OCS
Prepare and create MICR and Image files for GWC (data and images
already signed at item-level)

Place MICR and Images files in the pre-defined folders
o Create “Clearing Date” folder in shared folder
o Create “Bank Type/Bank/Branch” folder in “Clearing Date” folder
o Create “Batch Number” folder in “Bank Type/Bank/Branch” folder

Create Transmission-List-File (TLF)

Create Start-Transfer-Indicator (STI) file

Place Transmission-List-File in “Ready” folder

Place Start-Transfer-Indicator in “Ready” folder

Step 3 GWC
Upon detecting the STI file in the “Ready” folder, GWC will
- Move the TLF and STI from “Ready” folder to “Process” folder
- Start to validate and process the files as indicated in the TLF

Step 4 GWC
For each batch in the TLF, a transfer status (TFS) file with a .GWC
extension will be created and placed together with the corresponding
MICR file by GWC. This file will contain the status of the transfer.

For all batches successfully received at GWC, the transactions will be
updated to the GWC database.

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Steps System Description

Outward
Step 5 GWC
Scenario 1
All batches in the transmission list file are received successfully by GWC.
TLF and STI will be moved from “Process” folder to “Completed” folder

Scenario 2
Errors encountered during the validation and processing of the files
indicated in the TLF. TLF and STI will be moved from “Process” folder to
“Error” folder

In both scenarios, a Transmission-List-Status file (TLS) will be created and

placed together with the TLF and STI (either “Completed” or “Error” folder)
This file is with a .RESP extension and will contain the status of each MICR
batch file indicated in the TLF

Step 6 GWC
For each successful batch received by GWC, GWC will
- Perform batch signing
- Perform file encryption
- Attempt to establish a session with eSPICK Host and transmit the batch
to eSPICK Host
- For each attempt, a transmission status (TXS) file with a .CTCS
extension will be created and placed together with the corresponding
MICR file. This file will contain the status of the transmission.

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Example
th
Clearing Date 18 June 2007 (20070618)
Presenting Bank Negara Malaysia – KL
Bank Type – Bank – Branch 01-01-14103 (010114103)
Currency MYR (1)
Transaction Type OWNM (01)
Batch Number 101123456
st
where 1 digit ‘1’ represents Currency
nd rd
2 and 3 digit ‘01’ represents transaction type
Number of Items 3
Total Batch Amount RM. 23,456.78

Clearing Date Presenting Bank Branch Batch Number Item Sequence No.

Item Details
Item #1
UIC 20 0 70 6 18 0 1 01 1 41 0 3101 123 4 56 0 001
Paying Bank Type 02
Paying Bank 88
Paying Branch 12 3 45
Cheque Number 12 3 11 1
Check Digit 01
Transaction Code 01
Account Number 00 1 12 2 33 4 4
Amount 23 , 000. 0 0
Non Conformance 0
IQA 1

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Item #2
UIC 20 0 70 6 18 0 1 01 1 41 0 3101 123 4 56 0 002
Paying Bank Type 02
Paying Bank 88
Paying Branch 12 3 45
Cheque Number 12 3 22 2
Check Digit 02
Transaction Code 02
Account Number 11 2 23 3 44 0 0
Amount 40 0 .00
Non Conformance 2
IQA 1
Item #3
UIC 20 0 70 6 18 0 1 01 1 41 0 3101 123 4 56 0 003
Paying Bank Type 02
Paying Bank 88
Paying Branch 12 3 45
Cheque Number 12 3 33 3
Check Digit 03
Transaction Code 03
Account Number 22 3 34 4 00 1 1
Amount 56 . 78
Non Conformance 3
IQA 1

ASSUMPTION:
Pre-defined shared folder is C:\GWC\

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Step 1: Capture MICR and Images; perform reject repair and data entry (if applicable).

Step 2: Creating and placing the MICR file, Image files, Transmission-List-File and Start-Transfer-Indicator
file.

MICR File

20070618010114103101123456OWNM.MMYR
Note: MICR files must be created according to the file format indicated in the GWC Interface
Specs according to the required transaction type

Image Files

200706180101141031011234560001.IMG

200706180101141031011234560002.IMG

200706180101141031011234560003.IMG
Note: Image files must be created according to the image file format indicated in the GWC
Interface Specs.

Clearing Date MICR

Bank Type / Bank / Branch
Batch Number
IMG
IMG
IMG

Transmission List File (TLF)

20070618010114103-000000001.LST

Start Transfer Indicator (STI)

20070618010114103-000000001.ZST
Note: Contents of this file will not be read by GWC

IMPORTANT: This file MUST be placed in the “Ready” folder when all MICR and/or image files
and the TLF are in their respective folders.

TLF

STI

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Step 3: GWC picks up the TLF and indicated MICR and image files from the TLF upon detecting the
STI file.

TLF STI

Step 4: At the end of the validation and processing of each MICR batch, a Transfer-Status-File (TSF) with a
.GWC extension will be created. This file will be placed in the location where the corresponding MICR
file is residing. This file contains the status of the validation and processing of the MICR batch.

MICR

IMG
IMG
IMG

TSF

Step 5: Depending on the status of the validation and processing of the MICR and image files indicated in the
TLF, the TLF and STI will be moved to the “Completed” or “Error” folder accordingly.

A Transmission-List-Status (TLS) file will also be created and placed together in the final location of
the TLF and STI. This .RESP extension file will contain one entry for each MICR file indicated the
status of each batch.

Successful transfer

TLF STI TLS

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Failed transfer

TLF STI TLS

Step 6: For each attempt, a transmission status (TXS) file with a .CTCS extension will be created and placed
together with the corresponding MICR file. This file will contain the status of the transmission.

MICR

IMG
IMG
IMG

TXS

The workflow is further elaborated in the following diagram.

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OREM Outward Representment

START OKCM Outward Conversion Cheque
OWNM Outward Normal OSCM Outward SI (CR)
OXCM Outward Express Cheque OSDM Outward SI (DR)
OSXM Outward STP Express Cheque ONRM Outward Normal Return
OBAM Outward Banker’s Acceptance OBRM Outward Banker’s Acceptance Return
NCHM Non-Clearing House Cheques Batch with OKRM Outward Conversion Cheque Return
Yes physical No OCRM Outward SI (CR) Return
instrument? ODRM Outward SI (DR) Return
OXCA Outward Express Cheque ACK
Capture Item(s) in Create Item(s) in OSXA Outward STP Express Cheque ACK
Batch Batch

Perform IQA on Reject Repair and/

images or Data Entry

Create Image
File(s) and place in
folder

Perform Item
Create MICR File Signing (Data &
Image)

Place MICR file in Create TFL and Create STI and

folder place in folder place in folder

Check for
corresponding TLF

No

Check for batch TLS file

Yes
level TFS (.GWC) available?

Batch
No transferred Yes
successfully?

Update Batch
Check for batch
Transfer Status to
level TXS (.CTCS)
Bank’s OCS

No

Update Batch
Transmission Batch TXS
END Yes
Status to Bank’s available?
OCS

E.2 INWARD
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Steps System Description

Inward
Step 1 GWC
Create download requests

Download requests creation is done via the GWC Web. Authorised user
will login to the GWC web and create download requests based on:
1. Currency
2. Bank Type
3. Bank Code
4. Branch Code
5. Transaction Type
6. Mailbox

Sample download request screen:

Step 2 GWC
For each download request, GWC will attempt to establish a session with
eSPICK Host and download the inward batches if available.

Downloaded inward files (MICR and/or image) will be decrypted, batch
signature verified and updated to the GWC database.

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Steps System Description

Inward
Step 3 GWC At End of Day (After all inward and End-Of-Day trailer (EOT) files are
downloaded). GWC will:

Perform auto-reconciliation by comparing the transactions in GWC and the
EOT.

Upon ensuring that there is no exception, i.e. difference between the

transactions in GWC and the EOT is zero, the GWC user can activate the
inward file creation process. This will create a consolidated inward file based
on the downloaded inward files from eSPICK Host.

Step 4 Bank’s ICS Bank’s ICS can make use of the inward files (.MMYR) files downloaded from
eSPICK Host or the consolidated inward file created by GWC.

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Cheque Truncation & Conversion System
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F. Handling Non-Conforming Cheques

Collecting banks shall tag all non-conforming and mutilated cheques, when creating the outward file for
submission to CTCS. Please refer to Appendix A.5 – Non-Conformance Flags for the flag values and their
corresponding descriptions.

After the clearing file has been submitted to eSPICK Host, any subsequent amendment to the tagged item
can only be made through the CTCS Web Browser as follows:
– Change Flag Values 0, 1, 2, 3, 4, 5 to 6 or 7
– Change Flag Values 6 to 7

Such amendment can be made anytime within the Flags Update Window Time i.e. by 11.30 pm on the same
clearing day.

Collecting banks are not allowed to change Flag Value 7 to 0, 1, 2, 3, 4, 5 and 6.

Paying banks will retrieve these items through Enquiry Function via CTCS Web Browser. The CTCS Web
Browser will display the UIC with the corresponding MICR information of all cheques with apparent
alteration(s) entered by the respective Collecting banks. The screen will also display a message to indicate
whether the ‘Flags Update’ window is open or close.

Large value cheques shall be tagged with Flag Value 9. This Flag Value cannot be amended after the
clearing file has been submitted to eSPICK Host.

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F.1 FILE FORMAT OF NON-CONFORMING ITEMS

CTCS Web Browser allows banks to generate their non-conforming items updated through the web in a text
file. This file should be downloaded from the CTCS Web after the 11:30 pm cutoff time for updates of the Non
Conformance flag. Please note that this file only provide the list of items updated by the Collecting banks via
the CTCS Web.

File Name: <YYYYMMDD><PayBankType><PayBankCode>NCF.txt

No Field Length Remarks

Detail Record (Record Length: 39)
1 Date 8 Clearing Date (YYYYMMDD)
2 UIC 30 The sequence number of the document
assigned at the point of capturing
3 Non-Conformance 1 Value is 6 or 7
Flag

NOTE:

Each record will be followed by a carriage return.

Only those record will be generated for which value was updated by presenting bank through the web.

Records will be sorted by:
1. UIC

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G. Handling Large Value Cheques

For cheques with ringgit values more exceeding 10 digits, e.g. RM 100,000,000.00, collecting banks shall
scan the original cheque an appropriate number of times (2 or more times, depending on the cheque value)
with their individual cheque values amounting to a total of RM100,000,000.00. These items must be tagged
with Flag Value 9 using the Non-Conformance Flag to indicate that this series of cheques belong to a large-
value item.

Please refer to Appendix A.5 – Non-Conformance Flags for the flag values and their corresponding
descriptions.

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H. Processing of Foreign Cheques

For cheques issued in foreign currency and drawn on a bank in Malaysia, the processing of these cheques
under eSPICK environment will be same as the current practice, i.e. collecting banks are required to convert
the amount into RM, capture the cheque image, create the MICR codeline information with Transaction Code
of 52 and submit the items to CTCS for clearing.

eSPICK will allow the banks to share information pertaining to the exchange rate used for the conversion of
cheque amount into RM.

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I. Business Continuity Plan

The following table list high-level descriptions of the contingency scenarios identified in CTCS that affect
banks operations.

No. Scenario Business Requirements Technical Requirements

1 System (both production • Clearing operations to -
and backup) not continue operating without
operable at banks any business disruption
• Banks concerned required to
set up their own business
continuity plan (BCP) to
support CTCS operation

2 Network (NWI • Clearing operations to • System is capable to handle this

connection to BNM) continue operating without situation however there is only one
failure at any bank any business disruption Gateway Client system located at
• Banks concerned need to BNM for contingency purpose.
submit clearing information in • Install banks’ certificates in PKI
CDs to BNM LDAP server
• BNM needs to generate
inward files and critical reports
in CDs for the banks
concerned

2 Total network (NWI) • Clearing operations to • System is capable to handle this

failure continue operating without situation however there is only one
any business disruption Gateway Client system located at
• Banks need to submit clearing BNM for contingency purpose
information in CDs • Install banks’ certificates in PKI
• BNM needs to generate LDAP server
inward files and critical reports
in CDs for all Paying banks

4 Application (eSPICK) Activate manual clearing -

failure
- System down for
more than 1 working
day

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J. Procurement

J.1 COSTS
3.2.3 License and Installation Cost
License: RM 16,000 per bank per site.
Installation: RM 3,000 per installation

3.2.4 Annual Maintenance Cost

Annual Maintenance per license: RM2,080

J.2 CONTACTS AND TIMELINE

J.2.1 Contact Information
Name: Rennie Ang
Email: [email protected]
Tel: (603) 2692 3848

Name: Lum Chee Wei

Email: [email protected]
Tel: (603) 2692 3848

J.2.2 Timeline
To procure GWC software by 1 Oct 2007.

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End of Document

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