0.    INTRODUCTION

       This specification provides the definition of the Extended
       credit advice message (CREEXT) to be used in Electronic Data
       Interchange (EDI) between trading partners involved in
       administration, commerce and transport.

1.    SCOPE

1.1   Functional Definition

       An Extended Credit Advice is sent by the Account Servicing
       Financial Institution to the Account Owner to inform the
       Account Owner that its account has been or will be credited for
       a specified amount on the date indicated, in settlement of the
       referenced business transaction(s), and to provide to the Payee
       full details of the transactions to which the Extended Credit
       Advice relates.

1.2   Field of Application

       The Extended credit advice message may be used for both
       national and international applications. It is based on
       universal practice related to administration, commerce and
       transport, and is not dependent on the type of business or
       industry.

1.3   Principles

       An Extended Credit Advice may cover the financial settlement of
       one or more commercial trade transactions, such as invoices,
       credit notes, debit notes, etc. It is not intended for use in
       securities trading.

2.    REFERENCES

       See UNTDID, Part 4, Chapter 2.6 UN/ECE UNSM - General Introduction,
       Section 1.

3.    TERMS AND DEFINITIONS

3.1   Standard terms and definitions

       See UNTDID, Part 4, Chapter 2.6 UN/ECE UNSM - General Introduction,
       Section 2.

4.    MESSAGE DEFINITION

4.1   Data Segment Clarification

       This section should be read in conjunction with the Segment
       Table which indicate mandatory, conditional and repeating
       requirements.

0010   UNH, Message header
       A service segment starting and uniquely identifying a message.
       The message type code for the Extended credit advice message is
       CREEXT.
       
       Note: Extended credit advice messages conforming to this
       document must contain the following data in segment UNH,
       composite S009:

       Data element  0065 CREEXT
                     0052 D
                     0054 98A
                     0051 UN

0020   BGM, Beginning of message
       A segment for unique identification of the Extended Credit
       Advice, the type of Extended Credit Advice and its function.

0030   BUS, Business function
       A segment identifying certain characteristics of the Extended
       Credit Advice, such as its business function. In so doing, it
       provides information about the message that may be used to
       route the message within an institution, for tariffing, or for
       the provision of some statistical information.

0040   DTM, Date/time/period
       A segment specifying the date and, when required, the time at
       which the message has been created as well as other dates and
       times relevant to the financial transaction.


0050   Segment group 1: RFF-DTM
       A group of segments identifying a previously-sent message.

0060      RFF, Reference
          A segment specifying the date/time of the previously-sent
          message.

0070      DTM, Date/time/period
          A segment identifying the date/time of the referenced
          message.


0080   Segment group 2: MOA-CUX-DTM-RFF
       A group of segments identifying the monetary amount and, if
       necessary, the currencies, exchange rate and date for the
       payment.

0090      MOA, Monetary amount
          A segment specifying the amount of the credit.

0100      CUX, Currencies
          A segment identifying the source currency and the target
          currency of the transaction when they are different. The
          rate of exchange is solely used when previously agreed
          between the Ordering Customer and the Ordered Bank.

0110      DTM, Date/time/period
          A segment identifying the effective date and/or time the
          rate of exchange was fixed. The other occurrence identifies
          the refrence date.

0120      RFF, Reference
          A segment identifying other transactions to which funds
          associated with the Extended Credit Advice are related, such
          as a separate foreign exchange deal.


0130   Segment group 3: FII-CTA-COM
       A group of segments providing information about the financial
       institutions and accounts of each party related to the Extended
       Credit Advice, together with details of any parties contacted
       or to be contacted in relation with the transaction, and any
       required action by parties to the transaction.

0140      FII, Financial institution information
          A segment identifying the financial institution (e.g., bank)
          and relevant account number and currency for the Payor,
          Payee and other parties to the transaction.

0150      CTA, Contact information
          A segment identifying a person or a department for the
          financial institution specified in the FII segment and to
          whom communication should be directed.

0160      COM, Communication contact
          A segment providing a communication number for the party
          identified in the FII segment and optionally for the contact
          identified in the associated CTA segment.


0170   Segment group 4: NAD-CTA-COM
       A group of segments identifying the name and address of the
       non-financial parties involved in the transaction and their
       contacts.

0180      NAD, Name and address
          A segment identifying the name and address of the non-
          financial parties associated with the Extended Credit Advice
          and their function. Identification of the Payor and Payee
          parties is mandatory for the Extended Credit Advice message
          and should be given in this segment.

0190      CTA, Contact information
          A segment identifying a person or a department for the party
          specified in the NAD segment and to whom communication
          should be directed.

0200      COM, Communication contact
          A segment providing a communication number for the party
          identified in the NAD segment and optionally for the contact
          identified in the associated CTA segment.


0210   Segment group 5: INP-FTX-DTM
       A group of segments containing instructions relating to parties
       identified in the NAD and FII segments. It specifies action
       taken or to be taken by the identified parties, and the date
       (and optionally time) by which such action was taken or needs
       to be taken.

0220      INP, Parties and instruction
          A segment identifying the party to enact the instruction,
          the parties contacted or to be contacted at or by the
          associated financial institution on matters concerning the
          execution of the payment. It specifies where appropriate the
          instruction in coded form.

0230      FTX, Free text
          A segment providing free text instruction relating to the
          associated INP segment.

0240      DTM, Date/time/period
          A segment specifying the earliest and the latest dates and
          times by which the instruction specified in the INP and FTX
          segments needs to be carried out.


0250   Segment group 6: GIS-MOA-LOC-NAD-RCS-FTX
       A group of segments providing information for subsequent use by
       regulatory authorities requiring statistical and other types of
       data. It also identifies the regulatory authority for which the
       information is intended followed by the information itself.

0260      GIS, General indicator
          A segment identifying what processing should be completed
          for the regulatory authorities.

0270      MOA, Monetary amount
          A segment giving the amount and the currency of each
          transaction to be reported.

0280      LOC, Place/location identification
          A segment giving the different origins/destinations (places)
          of goods/investment/services.

0290      NAD, Name and address
          A segment identifying the recipient of the associated
          informative text.

0300      RCS, Requirements and conditions
          A segment giving the nature (e.g. goods, transport services)
          and direction of each transaction to be recorded in coded
          form.

0310      FTX, Free text
          A segment giving information, in coded or in clear form, to
          provide information relevant to regulatory authorities
          requirements.


0320   Segment group 7: FCA-MOA-SG8
       A group of segments providing full details of all charges, or
       associated taxes, that apply to a particular transaction,
       together with information as to who bears the charges, and to
       which account they have been directed. A total value of all
       charges plus allowances may be given for every account to which
       charges may be directed. Where charges are subject to taxation
       this may also be specified.

0330      FCA, Financial charges allocation
          A segment specifying the method for allocation of charges
          and allowances and identifying an account to which such
          charges or allowances were directed where it is different
          from the principal account.

0340      MOA, Monetary amount
          A segment giving the total value of charges and/or
          allowances and associated taxes, that relate to an account
          for charges/allowances.
          This segment also identifies the basis amount from which
          charges are calculated, if different from the overall amount
          of the original order.


0350      Segment group 8: ALC-PCD-MOA-CUX-DTM-SG9
          A group of segments providing a detail breakdown of all
          charges (and allowances) and associated charges (or
          allowances).

0360         ALC, Allowance or charge
             A segment providing full details of each charge or
             allowance for which the Payee is liable. Included are
             full details of the method of calculating the charge.

0370         PCD, Percentage details
             A segment specifying the percentage used for calculating
             the charges (or allowances).

0380         MOA, Monetary amount
             A segment identifying the amount of charges (or
             allowances) and/or specifying the basis amount from which
             charges (or allowances) may be calculated if different
             from the FCA segment.

0390         CUX, Currencies
             A segment specifying exchange rates related to the
             charges and allowances.

0400         DTM, Date/time/period
             A segment identifying the effective date and/or time the
             rate of exchange was fixed.


0410         Segment group 9: TAX-MOA-CUX-DTM
             A group of segments describing any taxes associated with
             the charges and their amount.

0420            TAX, Duty/tax/fee details
                A segment identifying any taxes related to a specific
                charge.

0430            MOA, Monetary amount
                A segment specifying the total amount of the tax and
                the basis for calculation.

0440            CUX, Currencies
                A segment specifying exchange rates.

0450            DTM, Date/time/period
                A segment identifying the effective date and/or time
                the rate of exchange was fixed.


0460   Segment group 10:PRC-FTX-SG11-SG17
       A group of segments giving information in free or in coded form
       about the purpose of the payment from the ordering customer to
       the beneficiary.

0470      PRC, Process identification
          A segment identifying the kind of process at the
          beneficiary's side.

0480      FTX, Free text
          A segment in clear form to provide information from the
          ordering customer to the beneficiary.


0490      Segment group 11:DOC-MOA-DTM-RFF-NAD-SG12-SG13-SG14
          A group of segments providing details of documents, (e.g.,
          invoices, statements, despatch advices, etc...), to which
          the Extended Credit Advice refers. It includes information
          on the monetary amounts for each document and on any
          adjustments (with an indication of the reason for
          adjustments) and discounts. For information purposes, an
          indication of the tax element can be provided.

0500         DOC, Document/message details
             A segment identifying the reference document against
             which payment is being made.

0510         MOA, Monetary amount
             A segment giving the monetary amounts of each reference
             document (e.g., original amount, discount amount etc...),
             and the relevant currency if necessary. The amount due
             and the amount remitted are mandatory.

0520         DTM, Date/time/period
             A segment specifying the date of the referenced document
             and indicating any other relevant dates applicable.

0530         RFF, Reference
             A segment for the inclusion of any additional references
             related to the reference document.

0540         NAD, Name and address
             A segment identifying a party name and address, either by
             coded identification or in a clear form.


0550         Segment group 12:CUX-DTM
             A group of segments specifying the currencies and the
             related dates/periods valid to the referenced document
             where different to the reference currency.

0560            CUX, Currencies
                A segment identifying the currency and associated
                exchange rate of the referenced document where
                different to the remittance currency.

0570            DTM, Date/time/period
                A segment specifying the date/time/period related to
                the rate of exchange.


0580         Segment group 13:AJT-MOA-RFF-FTX
             A group of segments indicating adjustment amounts and
             their referenced documents.

0590            AJT, Adjustment details
                A segment indicating any adjustments to the amounts
                originally specified in the referenced document, and
                to which items such adjustments apply, with the
                associated reason for adjustment.

0600            MOA, Monetary amount
                A segment giving the monetary amounts of the
                adjustments of each reference document (e.g. original
                amount, discount amount,etc.). The currency data
                elements should not be used.

0610            RFF, Reference
                A segment for the inclusion of any additional
                references related to the reference document.

0620            FTX, Free text
                A segment providing free text information related to
                the payment details.


0630         Segment group 14:DLI-MOA-PIA-DTM-SG15-SG16
             A group of segments which may be used when required to
             provide details of individual line items in the reference
             document.

0640            DLI, Document line identification
                A segment identifying a specific line item within the
                referenced document.

0650            MOA, Monetary amount
                A segment giving the monetary amounts for this line
                item.

0660            PIA, Additional product id
                A segment specifying item identification codes where
                required.

0670            DTM, Date/time/period
                A segment specifying the date/time/period related to
                the line item.


0680            Segment group 15:CUX-DTM
                A group of segments identifying the currency and the
                related dates/periods of the line item where different
                to the remittance and document currency.

0690               CUX, Currencies
                   A segment identifying the currency and associated
                   exchange rate of the line item, where different to
                   the reference and target currency.

0700               DTM, Date/time/period
                   A segment identifying the effective date and/or
                   time the rate of exchange was fixed.


0710            Segment group 16:AJT-MOA-RFF-FTX
                A group of segments indicating adjustment amounts and
                their referenced documents for this line item.

0720               AJT, Adjustment details
                   A segment indicating any adjustments to the amounts
                   originally specified for this line item and the
                   reason for the adjustments.

0730               MOA, Monetary amount
                   A segment giving the monetary amounts of the
                   adjustment for this line item.

0740               RFF, Reference
                   A segment for the inclusion of any additional
                   references related to the reference document.

0750               FTX, Free text
                   A segment providing free text information related
                   to the payment details.


0760      Segment group 17:GIS-MOA
          A group of segments indicating the end of the details of
          payment and specifying hash total amounts for control
          purposes.

0770         GIS, General indicator
             A segment indicating the end of the details of payment.

0780         MOA, Monetary amount
             A segment indicating total amounts for control purposes.


0790   Segment group 18:AUT-DTM
       A group of segments specifying the details of any
       authentication (validation) procedures applied to the Extended
       Credit Advice message.

0800      AUT, Authentication result
          A segment specifying the details of any authentication
          (validation) procedure applied to the Extended Credit Advice
          message.

0810      DTM, Date/time/period
          A segment identifying the date and, where necessary, the
          time of validation.

0820   UNT, Message trailer
       A service segment ending a message, giving the total number of
       segments in the message and the control reference number of the
       message.

4.2   Data segment index (Alphabetical sequence by tag)

          AJT Adjustment details
          ALC Allowance or charge
          AUT Authentication result
          BGM Beginning of message
          BUS Business function
          COM Communication contact
          CTA Contact information
          CUX Currencies
          DLI Document line identification
          DOC Document/message details
          DTM Date/time/period
          FCA Financial charges allocation
          FII Financial institution information
          FTX Free text
          GIS General indicator
          INP Parties and instruction
          LOC Place/location identification
          MOA Monetary amount
          NAD Name and address
          PCD Percentage details
          PIA Additional product id
          PRC Process identification
          RCS Requirements and conditions
          RFF Reference
          TAX Duty/tax/fee details
          UNH Message header
          UNT Message trailer

Contents of CREEXT