A ACH FILE E STRUCT TURE T The ACH form mat is fixed len ngth ASCII, reecord length 94, 9 Block 10. T The file layouut is as followss: F File Header Record R B Batch Headerr Record D Detail Record ds B Batch Contro ol Record F File Control Record R A single file caan contain mu ultiple batches, in which case a batch headder record willl immediatelyy follow the baatch ccontrol record of the proceed ding batch. F Field Inclusio on Requiremeents: E Each field in each e record is designated d as mandatory, reequired or optiional (M, R orr O). For purpposes of processsing A ACH format fiiles, these term ms are defined d as follows: M Mandatory - The T omission of a mandatorry field will caause the entryy, batch or file to reject at the originating ddepository ffinancial instittution (ODFI) and will be reeturned to the originator. Maandatory fieldds ensure the correct routingg and/or pposting of indiividual ACH entries. e R Required - Th he omission off a required fieeld will not caause an entry to reject at the ODFI, but maay cause the eentry, bbatch or file to o reject at the receiving r depo ository financiial institution (RDFI). Requuired fields shoould be includded to aavoid processing problems at a the RDFI. O Optional - Incclusion or omission of optional fields is en ntirely at the ddiscretion of thhe originationn entity.

F FILE HEA ADER REC CORD ((‘1’ record) T The file headerr fields design nate physical file f characterisstics and identtify the origin (sending poinnt) and destinaation ((receiving poin nt) of the entriies contained in i the file. Thee file header aalso includes ccreation date aand time fieldss which ccan be used to uniquely iden ntify a file. Filles originated through t Tomppkins Trust Coompany shoulld contain Tom mpkins T Trust Company transit routin ng number pro oceeded by a space s in the im mmediate desttination. The ccustomers fedeeral id nnumber should d be entered in n the immediatte origin field proceeded byy a space. R Record Type Code: C P Priority Code: IImmediate Destination: IImmediate Oriigin: F File Creation Date: D F File Creation Time: T F File ID Modifiier: R Record Size:

 

‘1’ ‘01’ ‘ 02130 02648’ ‘ Federaal ID # (proceeeded by a spaace) Date the file is createed / sent to thee bank (YYMM MDD) Time sttamp the file iss created / sennt to bank (HH HMM) ‘A’ ‘094’

  B Blocking Facto or: F Format Code: D Destination Naame: O Origin Name: R Reference Cod de:

‘10’ ‘1’ ‘Tompk kins Trust Com mpany’ (23 chharacters maxiimum) ‘Compaany Name’ (23 3 characters m maximum) ‘Blank (space fill to 94 9 character leength)

B BATCH HE EADER RECORD R ((‘5’ Record) T The batch head der record iden ntifies the orig ginating entity y and the type of transactionns contained inn the batch (i.ee., the sstandard entry class, PPD fo or consumer, CCD C or CTX for f corporate).. This record aalso contains tthe effective ddate, or ddesired settlem ment date, for all a entries con ntained in the batch. b The setttlement date ffield is not entered as it is deetermined bby the ACH op perator. R Record Type Code: C S Service Class Code: C

C Company Nam me: C Company Disccretionary Datta: C Company Iden ntification: S Standard Entry y Class:

C Company Entrry Description n: C Company Desccriptive Date: E Effective Entry y Date: S Settlement Datte: O Originator Stattus Code: O Originating DF FI ID: B Batch Numberr:

‘5’ ACH mixed m Debits and a Credits ‘2000’ ACH Credits C Only ‘2 220’ ACH Debits D Only ‘22 25’ The Company Origin nating Entries in the Batch ((must be recoggnizable by recceiver) Typicallly left blank, but b can be useed for additionnal company information The 9 digit d FEIN num mber (proceedded by a 1) of tthe entity in thhe company nname field. ‘PPD’ for f consumer transactions, t ‘‘CCD or ‘CTX X’ for corporaate *Other SEC Codes do o exist, and it iss the responsibbility of the origginator to idenntify oper SEC code,, and follow alll rules and reqquirements baseed on the payments with the prop de chosen. Reffer to Originatiing ACH Entriees Reference ddocument for m more SEC cod informa ation regarding g SEC codes* A descrription of the entries e containned in the batcch (e.g. Payrolll) Typicallly left blank, can include paayment date (Y YYMMDD) The datte on which th he entries are too settle Leave blank, b this fielld is inserted bby the ACH O Operator ‘1’ o DF FI transit routiing number, ‘002130264’ forr files ‘First 8 digits of the originating originatted through To ompkins Trustt Company Sequential batch num mber, zero fill left

E ENTRY DE ETAIL RE ECORD ((‘6’ Record) T The detail reco ord contains th he actual transsaction data fo or an individuaal payment. Fiields include thhose ddesignating thee entry as a deeposit (credit) or withdrawall (debit), the trransit routing number for thhe entry recipiient’s final innstitution, thee account numb ber (left justiffy, space fill), name, and dolllar amount. R Record Type Code: C

 

‘6’

  T Transaction Co ode:

Credit (deposit) ( to ch hecking accounnt

‘22’

Pre-notte for credit to checking accoount Debit (w withdrawal) to o checking acccount Pre-notte for debit to checking c accoount Credit to t savings account ‘‘32’ Pre-notte for credit to savings accouunt Debit to o Savings acco ount ‘‘37’ Pre-notte for debit to savings s accouunt

‘23’ ‘27’ ‘28’ ‘33’ ‘38’

P Pre-note entriees are zero-do ollar ACH entrries which allo ow an originaator to verify thhe validity of a transaction. RDFI’s aare required to o notify the prre-note origina ator of any inccorrect transacction data witthin three busiiness days of tthe prennote effective date. d R Receiving DFII ID: C Check Digit: D DFI Account Number: N A Amount: IIndividual ID Number: N IIndividual Nam me: D Discretionary Data: D A Addenda Reco ord Indicator: T Trace Numberr:

The firsst 8 digits of th he transit routiing number foor the transactiion recipient’ss financial institutiion The nin nth digit of thee transit routinng number of tthe transactionn recipient’s fiinancial institutiion The acccount number of the consum mer or corporaate entity receiiving the ACH H entry (left jusstify, space filll) The dolllar amount off the entry (deccimal impliedd, e.g. $100 = 10000) Invoicee #, employee #, etc. (optionnal) The nam me of the entry y recipient leave bllank ‘0’ for no n addenda attached ‘1’ for addenda a attach hed This fieeld is made up p of the first 8 digits of the ooriginating DF FI transit routinng numberr and a seven digit d (left justiify, zero fill) iidentifier (idenntifiers need too be sequenttial and ascend ding)

B BATCH CO ONTROL (TRAILER R) RECOR RD ((‘8’ Record) T This record contains entry counts, dollar total t and has to otals for all enntries containeed in the preceeding bbatch. R Record Type Code: C S Service Class Code: C E Entry/Addendaa Count: E Entry Hash: T Total Debit Am mount: T Total Credit Amount: A C Company Iden ntification:

 

‘8’ m the samee field from thhe immediatelyy preceding baatch header reccord Must match Total deetail and addenda records inn the batch Hash to otals are the su um of all transsit routing num mbers (first 8 ddigits only) froom each entry deetail record in the batch, truuncated from thhe higher ordeer if necessaryy Total deebits in the baatch (decimal iimplied, e.g. $$100 = 10000)) Total crredits in the baatch (decimal implied, e.g. $$100 = 100000) Must match m the Com mpany ID from m the batch heaader record

  M Message Authentication Cod de: R Reserved Spacces:

Agreed d upon code for security purpposes (often leeft blank) Leave Blank B (6 blank k spaces)

O Originating DF FI Information n: B Batch Numberr:

Must match m same field from the baatch header reccord Must match m the samee field from thhe batch headeer record

F FILE CON NTROL (TR RAILER) RECORD R ((‘9’ Record) T This record contains entry counts, dollar totals, t and hash totals accum mulated from eeach batch conntrol rrecord in the fiile. R Record Type Code: C B Batch Count: B Block Count:

E Entry Addendaa Count: E Entry Hash: T Total Debit Do ollar Amount: T Total Credit Dollar D Amount: R Reserved Spacces:

 

‘9’ umber of batches (i.e. ‘5’ reecords) in the file Total nu Total nu umber of reco ords in the file (include all hheaders and traailers) dividedd by 10 (This nu umber must be evenly divissible by 10. If not, additionaal records conssisting of all 9’s are a added to th he file after thee initial ‘9’ record to fill a bblock of 10) Total deetail and addenda records inn the file Calculaated in the sam me manner as tthe batch hashh total but includes total from m the entire file fi Total Debits D in the fille (decimal im mplied, e.g. $100 = 10000) Total Credits C in the file fi (decimal im mplied, e.g. $1100 = 10000) Leave Blank B (39 spacces to complette record)

  ALL ENTRIES FILE HEADE ER RECORD (‘1’ RECO ORD) FIELD D Data Elemen nt Name Field on Inclusio Requirem ment

1 Record Type Code

2

3

4

Priority Cod de

Immediate Destination

Immediate Origin

5 File Creation C Date

6 File Creation Time

M

R

M

M

M

O

Contentts

'1'

Numeric

bTTTTAAAAC

bTTTTAAAAC

YY YMMDD

HHMM

Length h Position

1 01-01

2 02-03

10 04-13

10 14-23

6 24-29 2

4 30-33

7

8

9

10

11

File ID Modifier

Record Size

Blocking Factor

Format Code

Destination Name

M

M

M

M

O

O

O

'094'

'10'

'1'

Alphanumeric

Alp phanum meric

Alphanumeric

3 35-37

2 38-39

1 40-40

23 41-63

2 23 64 4-86

8 87-94

Uppercase (A-Z) Numeric (0-9) 1 34-34

1 12 Imme ediate Orrigin Na ame

13 Reference Code

ALL ENTRIES COMPANY/B BATCH HEADER RECORD R (‘5’ RECO ORD) FIELD D

1

2

3

4

Data nt Elemen Name

Record Type Code

Serv vice Class Cod de

Company Name

Company C Dis scretionary Data

5 any Compa Identifica ation

Field Inclusio on Requirem ment

M

M

M

O

M

Contentts

'5'

Numeric

Length h Position

1 01-01

3 02-04

Alphanumeric 16 05-20

Alphanumeric 20 21-40

Alpha anumerric 10 41-50 0

6 Standard Entry Class Code

7

8

9

110

11

12

13

Company C Entry De escription

y Company Descriptive Date

Effective Entry Date

Settllement D Date

Originator Status Code

Originating DFI Identification

Batcch Numb ber

M

M

O

R

Inseerted by ACH Opeerator

M

M

M

Alphanumeric 3 51-53

Alphanumeric n 10 54-63

Alphanumeric 6 64-69

YYMMDD

Num meric

TTTTAAAA

Nume eric

6 70-75

3 766-78

8 80-87

7 88-9 94

Alphanumeric 1 79-79

PPD ENT TRY DETAIL RECO ORD (‘6’ RECO ORD)

 

FIELD D Data Elemen nt Name Field Inclusio on Requirem ment

1 Record Type Code

2

M

M

M

M

Contentts

'6'

Numeric

TTTTAAAA A

Numeric

Length h Position

1 01-01

2 2-03 02

8 04-11

1 12-12

Transaction Code C

3 Receiving DFI Identification n

4 Check Digit

5 DF FI Account Numb ber R haAlph nume eric 17 7 13-2 29

6 Amount

M $$$$$$$$cc 10 30-39

7 Individual Identification Number

8

9

Indiv vidual Na ame

Discretionaryy Data

O

R

O

Alphanumeric 15 40-54

Alp phanum meric 2 22 55 5-76

Alphanumeric 2 77-78

10 Addenda Record Indicator

11 Trace e Number

M

M

Numeric

Numerric

1 79-79

15 80-94 4

  DENDA RECORD PPD ADD (‘7’ RECO ORD) FIELD D

1

2

3

4

Data Elemen nt Name

Record Type Code

Adde enda Typ pe Code

Payment Related Information

Addenda Sequence S Number

Field Inclusio on Requirem ment

M

M

O

M

M

Contentts

'7'

5' '05

Numeric

Numeric c

Length h Position

1 01-01

2 02--03

4 84-87

7 88-94

Alphanumeric 80 04-83

5 Entry Detail Sequence e Numberr

CCD ENT TRY DETAIL RECO ORD (‘6’ RECO ORD) FIELD D Data Elemen nt Name Field Inclusio on Requirem ment

1 Record Type Code

2

M

M

M

M

Contentts

'6'

Numeric

TTTTAAAA A

Numeric

Length h Position

1 01-01

2 02 2-03

8 04-11

1 12-12

Transaction Code C

3 Receiving DFI Identification n

4 Check Digit

5 DFI nt Accoun Numbe er R Alphanumeriic 17 13-29 9

DENDA RECORD CCD ADD (‘7’ RECO ORD)

 

FIELD D Data Elemen nt Name Field Inclusio on Requirem ment

1 Record Type Code

2 Adde enda Typ pe Code

3 Payment Related Information

4 Addenda Sequence S Number

5 Entry Dettail Sequenc ce Numbe er

M

M

O

M

M

Contentts

'7'

'05 5'

Numeric

Numeric

Length h Position

1 01-01

2 02--03

4 84-87

7 88-94

Alphanumeric 80 04-83

6

7

Amount

Identification Number

M

O

R

O

Alphanumeric 15 40-54

Alphanumeric c 22 55-76

Alphanumeric 2 77-78

$$$$$$$$cc 10 30-39

8 ng Receivin Compan ny Name

9 Discretionary Data

10 A Addenda Record I ndicator

11 Trace Number

M

M

N Numeric

Numeric

1 79-79

15 80-94

  BATCH CONTROL L RECORD ALL ENTRIES COMPANY/B ORD) (‘8’ RECO FIELD D Data Elemen nt Name Field on Inclusio Requirem ment

1 Record Type Code

2 vice Serv Class de Cod

M

Contentts Length h Position

3

4

5 Total Debit Entry Dollar D Amo ount

6 Total Credit Entry Dolla ar Amount

Entry/Addenda Count

Entry Hash

M

M

M

M

M

'8'

Numeric

Numeric

Numeric

$$$$$$$ $$$$cc

$$$$$$$$$$ $cc

1 01-01

3 02-04

6 05-10

10 11-20

12 2 21-32

12 33-44

7 Company Identification

8 Message A Authentication Code

R

O

Alphanumeric 10 45-54

Alphanumeric 19 55-73

ALL ENTRIES FILE CONTR ROL RECORD ORD) (‘9’ RECO FIELD D Data Elemen nt Name Field Inclusio on Requirem ment Contentts Length h Position

 

1 Record Type Code

2

3

4

5

Batch Cou unt

Block Count

Entrry/Addenda Count

Entry Hash

6 Total Debit Entry Dollar Amount in File

7 Total Credit Entry Dollar Amount A in File

M

M

M

M

'9' 1 01-01

Numeric 6 02-07

Numeric 6 08-13

Numeric N 8 14-21

8

M

M

M

N/A

Numeric c 10 22-31

$$$$$$$$$$cc 12 32-43

$$$$$$$$$$cc $ 12 44-55

Bla ank 3 39 56-94

Rese erved

9 Reseerved

10 Originating DFI Identification

11 Batch Number

N//A

M

M

Blaank

TTTTAAAA

Numeric

6 74--79

8 80-87

7 88-94