First Republic JPMorgan Chase Conversion BAI2 Spec

Table of contents

Introduction

BAI2 01 Record

BAI2 02 Record

03 Record

16 Record

88 Continuation Record of 16 Record

BAI2 Control Records

Appendix A: 88 Record tag variances
• Wire Credit: BAI Code 195
• Wire Debit: BAI Code 495
• ACH Settlements

JPMorgan BAI2 Record 16, Field 6: Customer Reference

JPMorgan BAI2 Record 88: Wire Tags

Appendix B: Sample Transactions
• Pre-Migration BAI2
• Wire Credit
• Wire Debit
• ACH Credit
• ACH Debit
• ACH Debit
• Book Transfer Credit
• Check Withdrawal Credit
• JPMorgan BAI2
• Sample CHIPS Domestic Settlement
• Sample Cross Border Settlement

Appendix C: BAI Codes Variances

Appendix D: Comparison Sample: FRB and Pre-Migration BAI2

Appendix E: Sample JPMorgan BAI2 files
• BAI2 Codes 165, 699
• BAI2 Codes 165, 175, 408, 455
• BAI2 Code 195, FED Wire Credit

Introduction

In order to ease the transition to JPMorgan, First Republic Bank can provide a “Pre-Migration” BAI2 sample file. First Republic will allow you to simultaneously receive both your existing FRB BAI2 and the Pre-Migration BAI2, or you can opt to only receive the Pre-Migration format.

Although both FRB and JPM follow the BAI2 specifications, field values differ. In addition, the contents of the BAI2 88 record also vary.

The Pre-Migration BAI2 will use your production FRB data. This will allow you to prepare for the actual migration to JPMorgan.

The charts in the following pages highlight the differences between a First Republic Bank BAI2 file, the Pre-Migration BAI2 file, and a JPMorgan BAI2 file.

Please be aware that once you migrate to JPMorgan, additional variances may appear.

BAI2 01 Record

JPMorgan will assign a “Company ID” in Field 3, whereas FRB provides a static value. The JPMorgan Company ID is a unique value assigned to your company’s profile. To allow you to prepare for the migration, the pre-migration BAI2 will provide a placeholder value. Once you are migrated to JPMorgan, the JPMorgan assigned Company ID will be present.
FRB uses Pacific Standard Time (PST). Both the Pre-Migration and the JPMorgan file will use Eastern Standard Time (EST) for the timestamp value.

Field	Status	Field Name	First Republic Bank	Pre-Migration	JPMorgan
1	M	Record Code	1	No Change	1
2	M	Sender ID	FRC ABA ‘321081669’	FRC ABA ‘321081669’	JPMorgan ABA (will be assigned after the migration)
3	M	Receiver ID	Hard coded as ‘321081669’	The default placeholder for JPM Company ID will be “XXXXXXXXX”	Company ID (will be assigned after the migration)
4	M	File Creation Date	YYMMDD format; sender date.	No Change	No Change
5	O	File Creation Time	Military format (2400). Pacific Standard Time	Military format (2400) Eastern Standard Time	Military format (2400) Eastern Standard Time
6	M	File Identification Number	Previous-day files set at ‘1’ Intraday files start at ‘1’ and will increment per file	No Change	No Change
7	O	Physical Record Length	Not used	Not used	Not used
8	O	Block Size	Not used	Not used	Not used
9	M	Version Number	2	No Change	Not used

BAI2 02 Record

The JPMorgan Company ID reported in the Field 3 of the 01 Record also appears as the Ultimate Receiver ID in Field 2 of the 02 Record.
Because JPMorgan supports multiple currencies, neither the pre-migration BAI2 nor the JPMorgan BAI2 report currency in the Field 7 of the 02 Record.

Field	Status	Field Name	First Republic Bank	Pre-Migration	JPMorgan
1	M	Record Code	2	No Change	2
2	O	Ultimate Receiver Id	Not used	“XXXXXXXXX” as the placeholder for a JPM Company ID	Company ID (will be assigned after the migration)
3	M	Originator Id	Hard coded '32108169'	No Change	JPMorgan ABA (will be assigned after the migration)
4	M	Group Status	1 = Update	No Change	No Change
5	M	As-of-Date	YYMMDD; Originator date.	No Change	No Change
6	O	As-of-Time	Not used	Military format (2400). Eastern Standard Time	Military format (2400). Eastern Standard Time
7	M	Currency Code	Default is USD.	Blank	Blank
8	M	As-of-Date Modifier	2 Final previous-day data 3 Interim same-day data	No Change	No Change No Change

03 Record

Summary codes with “zero” value will be dynamically omitted from the Pre-Migration BAI2 and the JPMorgan BAI2 file.

Field	Status	Field Name	First Republic Bank	Pre-Migration	JPMorgan BAI2
1	M	Record Code	3	No Change	No Change
2	M	Customer Account Number	Customer Account Number	No Change	No Change
3	O	Currency Code	ISO standard currency code	No Change	Not provided
4	O	Type Code	Opening Ledger 010 Closing Ledger 015 Opening Available 040 Closing Available 045 Avg Closing Avail MTD 050 Total Float Amount 063 1 Day Float Amount 072 2 Day Float Amount 074 Total Credits 100 Total Incoming Wires 190 Total Debits 400 Total Outgoing Wires 490	Intraday files will contain only the following Balance Type Codes. Opening Ledger 010 Closing Ledger 015 Opening Available 040 Closing Available 045	The default FRB Type Code set will be reported. At JPMorgan, all BAI2 summary and status codes can be made available. Summary codes with zero value will be dynamically omitted from the statement.
5	O	Amount	The values don’t contain a decimal. A negative value will have a “-“ minus sign.	No Change	No Change
6	O	Item Count	Not Used	Item Counts for the Summary Type Code are provided in both the prior day and intraday files.	Item Counts for Summary Type Codes are provided for both the prior day and intraday files.
7	O	Funds Type	Not Used	No Change.	Not provided

16 Record

Field 7 of the 16 Record will not be reported in the JPMorgan BAI2 or the Pre-Migration BAI2. Contents previously present in Field 7 of the 16 Record will now appear in the 88 Continuation Record.
The 16 Record in the JPMorgan BAI2 and the Pre-Migration BAI2 will end with a slash (/).

Field	Status	Field Name	First Republic Bank	Pre-Migration	JPMorgan
1	M	Record Code	16	No Change	16
2	M	Type Code	BAI2 Codes	No Change	BAI2 Codes
3	M	Amount	Amount	No Change	Amount
4	M	Funds Type	V = value dated	V = value dated (MMDDYY) and 24 hour time hard coded as ‘0000’	V = value dated (MMDDYY) and 24 hour time reported (2400)
5	O	Bank Reference	The Bank Reference Number is the Fed reference number for wire transaction types or the Trace Number for ACH.	FRB-generated unique Reference Number	JPMorgan Bank unique Reference Number.
6	O	Customer Reference	For Transaction Detail type codes 474, 475 and 395, the Customer Reference Number will be the check number.	When a reference is not available, Value of ‘NON REF’ will be reported. This field may also be blank.	The value that is in the transaction’s Customer Reference Field.
7	O	Text	The Text will contain statement descriptions of individual transactions. When the length of the 16 record exceeds 76 characters, any data over this limit will appear in the 88 Continuation Record.	First Republic text data will be entirely moved to 88 Continuation Record.	Not Provided

88 Continuation Record of 16 Record

For all transaction types other than those listed in the appendices below, the first line of a Pre-Migration BAI2 or JPMorgan BAI2 file starts with 'REMARK=', followed by the transaction details or other supplementary details. As the 88 Continuation Record is optional, it may be omitted from some transactions.

Pre-Migration BAI2 and JPMorgan 88 record lines will not end with a slash (/).

Appendix A contains wire and ACH text details.
Appendix B contains select sample transactions with 88 Continuation Records.

BAI2 Control Records

There are no differences between First Republic Bank and JPMorgan 49, 98, or 99 records. Please note that the Pre-Migration BAI2 and JPMorgan BAI2 do not support an arithmetic control sum.

Appendix A: 88 Record tag variances

The Pre-Migration BA2 file will always display the JPMorgan BAI2 Tags, even if no value is available.

Wire Credit: BAI Code 195

FRB Tag	Pre-Migration Tag	JPMorgan Tag	Notes
16 Record: Customer Ref	YOUR REF=	YOUR REF=	Reference for beneficiary
SENDING_BANK	REC FROM=	REC FROM=	Originating bank
ORIGINATORS_BANK= (ABA)	FED ID=	FED ID=	Originating bank ABA
ORIGINATOR=	B/O CUSTOMER=	B/O CUSTOMER=	Debtor name
ORIGINATORS_BANK=	B/O BANK=	B/O BANK=	Originating bank
OBI=	REMARK=	REMARK=	Originator to beneficiary information
[Not used by FRB]	FED TIME=	FED TIME=	A value will not be present in the Pre- Migration or the JPMorgan file.
[Not used by FRB]	REC GFP=	REC GFP=	A value will not be present in the Pre- Migration or the JPMorgan file.
[Not used by FRB]	MRN SEQ=	MRN SEQ=	A value will not be present in the Pre- Migration or the JPMorgan file.
FRB OMAD	FED REF=	FED REF=	OMAD with elements separated by a single space + VIA FED

Wire Dedit: BAI Code 495

FRB Tag	Pre-Migration Tag	JPMorgan Tag	Notes
[Not used by FRB]	YOUR REF=	YOUR REF=	Reference for beneficiary
RECEIVING_BANK= (name)	PAID TO=	PAID TO=	Beneficiary bank name
RECEIVING_BANK= (ABA)	FED ID=	FED ID=	Beneficiary bank ABA
BENEFICIARY=	ACCT PARTY=	ACCT PARTY=	Starts with slash, followed by the account number. Neither FRB nor the Pre-Migration file provide address data. JPMorgan will provide address data.
OBI=	REMARK=	REMARK=	Originator to beneficiary information
[Not used by FRB]	REC GFP=	REC GFP=	A value will not be present in the Pre- Migration or the JPMorgan file.
[Not used by FRB]	MRN SEQ=	MRN SEQ=	A value will not be present in the Pre- Migration or the JPMorgan file.
FRB IMAD	FED REF=	FED REF=	IMAD with each of 3 elements (date-YYYYMMDD; 8 character source identifier; 6 digit sequence number) separated by a single space, followed by this string: VIA FED

ACH Settlements

The following tags will be present in the Pre-Migration BAI2 and the JPMorgan BAI2 files.

BAI Code 165

JPMorgan Tag	Notes
ORIG CO NAME=	ACH Company Name
ORIG ID=	NACHA Trace Number
ENTRY DESCR=	Transaction Description
ENTRY CLASS=	Entry Class displayed
TRACE NO=	Fed Trace Number
ENTRY DATE=	Entry Date in YYMMDD format
IND ID NO=	NACHA Trace Number
IND NAME=	The RECEIVER_NAME in BAI2 table
REMARK=	Not used
ORIG BANK=	Originating Bank

BAI Code 455

JPMorgan Tag	Notes
ORIG CO NAME=	ACH Company name
ORIG ID=	NACHA trace number
ENTRY DESCR=	Transaction Description
ENTRY CLASS=	Entry class displayed
TRACE NO=	Fed Trace Number
ENTRY DATE=	Entry date in YYMMDD format
IND ID NO=	NACHA Trace Number
IND NAME=	Use RECEIVER_NAME in BAI2 table
REMARK=	Not used
ORIG BANK=	Originating bank

BAI Code 465

JPMorgan Tag	Notes
ORIG CO NAME=	ACH Company name
ORIG ID=	NACHA trace number
ENTRY DESCR=	Transaction Description
ENTRY CLASS=	Entry class displayed
TRACE NO=	Fed Trace Number
ENTRY DATE=	Entry date in YYMMDD format
IND ID NO=	NACHA Trace Number
IND NAME=	Use RECEIVER_NAME in BAI2 table
REMARK=	Not used
ORIG BANK=	Originating bank

JPMorgan BAI2 Record 16, Field 6: Customer Reference

The following values appear in Record 16, Field 6: Customer Reference

Category	BAI Detail Code	Field Contains
Checks Paid	475	Customer Check Number, including leading zeros
Global Funds Transfers (Wires)	195 495	Value of “Your Ref” field
Lockbox	115	Lockbox number
International Branches		Value of “Your Ref” field.
AIP	229, 699	Investment Account Number or DDA Account Number
Securities Movement and Control Global Investors Services	249 549	Value of “Your Ref” field.
ZBA	275	ZBA Account Number.

JPMorgan BAI2 Record 88: Wire Tags

JPMorgan supports wire transfers through the Federal Reserve or The Clearing House (CHIPS). Transfers can also be settled as a Book Transfer. The most common tags which may be present in a wire transfer settlement are below.

Text Tag	Description
YOUR REF=	Sender’s Party’s Reference Number
REMARK=	Contains Payment Details, Bank-to-Bank Information and Sender’s Correspondent Bank (after /INS/ code word)
ACCT PARTY=	Account Party; Beneficiary
ULTI BENE=	Ultimate Beneficiary (For Debits, if no Ultimate Beneficiary, go to ACCT PARTY. If no ACCT PARTY, then information is not provided. For Credits, if no Ultimate Beneficiary, go to ACCT PARTY. If no ACCT PARTY, then look at party name in PAID TO.)
PAID TO=	Intermediary Bank Name Account with Bank Name (Debits Only)
FED ID=	Sending Bank ABA
FED TIME=	HH:MM (EST) (Credits Only)
SWIFT REF	SWIFT Reference Number
REC FROM=	Sender’s Bank Name (Credits Only)
B/O BANK=	By Order of Bank
B/O CUSTOMER=	By Order of Customer
REC GFP=	MMDDHHMM (GMT)
TRN	Transaction Reference Number
MRN SEQ=	Source Code and Date
CHIP REF	Clearing House Interbank Payment System Reference Number
CHIP SEQ	Clearing House Interbank Payment System Payment Sequence Number
FED REF=	FED Reference
PAY METHOD=
BENEFICIARY=
BENE ACCOUNT=
PAYDET=

Appendix B: Sample Transactions

Pre-Migration BAI2

Wire Credit

16,195,10000000,V,240111,0000,20240111MMQFMPRN12345601111320FT01,,/
88,YOUR REF=00645420212345PW,REC FROM=UBS AG,FED ID=026001234,B/O CUSTOME
88,R=DUCKBURG AIRCRAFT II LLC,JACK R BO,B/O BANK=UBS AG,REMARK=FROM D
88,UCKBURG AIRCRAFT II LLC, JACK AND DIANE DRAKESON,REC GFP=FROM DUCK
88,BURGAIRCRAFT II LLC, JACK AND DIANE

Wire Debit

16,495,58568592,V,231128,0000,20231128MMQFMPRN123456,,/
88,YOUR REF=Q+9477186 099,PAID TO=BANK OF AMERICA, N.A., NY,FED ID=026009
88,593,ACCT PARTY=/XXXXXXX1864 SKYNET HR IV, LLC 1 PARK PLACE DONALD
88, CA 94123 US 9429165984,REMARK=Q+9477186 585685.92000
88,,REC GRP=,MRN SEQ=,FED REF=20231128 MMQFMPRN 123456 **VIA FED**

ACH Credit

16,165,1433677,V,240111,0000,21000025311234,,/
88,ORIG CO NAME=MCQUACK AVIATIO,ORIG ID=9800315665,ENTRY DESC=ACH CREDIT
88,,ENTRY CLASS=CTX,TRACE NO=21000025311234,ENTRY DATE=240111,IND ID N
88,O=9800311234,IND NAME=,REMARK=,ORIG BANK=JPMORGAN CHASE

ACH Debit

16,455,2419,V,240111,0000,24011008263757,,/
88,ORIG CO NAME=MCQUACKAIRCRAFT,ORIG ID=9993891234,ENTRY DESC=ACH PREFUN
88,DING DEBIT,ENTRY CLASS=PPD,TRACE NO=24011008261234,ENTRY DATE=24011
88,1,IND ID NO=9993893015,IND NAME=MCQUA3660,REMARK=,ORIG BANK=FIRST R
88,EPUBLIC BANK 16,455,2419,V,240111,,24011008263757,,/
88,ORIG CO NAME=MCQUACKAIRCRAFT,ORIG ID=9993893015,ENTRY DESC=ACH PREFUN
88,DING DEBIT,ENTRY CLASS=PPD,TRACE NO=24011008263757,ENTRY DATE=24011
88,1,IND ID NO=9993893015,IND NAME=MCQUA3660,REMARK=,ORIG BANK=FIRST R
88,EPUBLIC BANK

ACH Debit

16,466,8199,V,240207,0000,24038L2UZ6A-6QQKKN,NON REF,/
88,ORIG CO NAME=IOLTA NEW,ORIG ID=9283601234,ENTRY DESC=ACH ORIGINATION D
88,R,ENTRY CLASS=PPD,TRACE NO=24038002812345,ENTRY DATE=240207,IND ID
88,NO=9283601234,IND NAME=INTER0547,REMARK=,ORIG BANK=FIRST REPUBLIC B
88,ANK

ACH Debit

16,469,3848721,V,231128,0000,91000014240344,,/
88,ORIG CO NAME=AMEX EPAYMENT,ORIG ID=0005000008,ENTRY DESC=ACH DEBIT,ENT
88,RY CLASS=CCD,TRACE NO=910000142412345,ENTRY DATE=231128,IND ID NO=00
88,05000008,IND NAME=SM PARTNERS,REMARK=,ORIG BANK=WELLS FARGO BANK NA
88, (MINNESOTA)

Book Transfer Credit

16,206,716161,V,240111,0000,,,/
88,REMARK=AUTOMATIC TRANSFER TRANSFER FROM DEPOSIT SYSTEM ACCOUNT XXXXXXX
88,2206

Check Withdrawal Debit

16,475,38398,V,240111,0000,,1805,/
88,REMARK=CHECK WITHDRAWAL CK# 1805

JPMorgan BAI2

Sample CHIPS Domestic Settlement

16,195,65961446,0,099999999999FC,VARIOUS VAL/
88,YOUR REF=VARIOUS VAL,REC FROM=SENDING AGENT, ADDRESS OF THE SENDING AGENT NE
88,W YORK 100022 US,B/O CUSTOMER=/000000000 DEBTOR AND DEBTOR ADDRESS , B/O BAN
88K=DEBTOR AGENT AND DEBTOR AGENT ADDRESS,REMARK=NARRATIVE AND CODE WORDS DEBIT
88, REF 000000000000000,REC GFP=02070650,CHIP SEQ=0000000,CHIP REF=0000000

Sample Cross Border Settlement

16,195,66521910,0,99999999FC,SWF OF 24:02:07/
88,YOUR REF=SWF OF 24/02/07,REC FROM=00000000000000000 FORIEGN BANK OVERSEAS CR
88,OSS BORDER ANOTHER COUNTRY ANOTHER ADDRESS HERE,B/O CUSTOMER=/11111111 THE D
88,DEBTOR AND THE DEBOTOR ADDRESS,REMARK=NARRATIVE AND CODE WORDS CHIPS UID 000
88,000 DEBIT REF AH11111111111119,REC GFP=02070852

Appendix C: BAI Codes Variances

Changes between FRB and JPM orange.

FRB BAI2 CODE	TRAN TYPE	FRB CODE DESC	JPM BAI CODE	JPM CODE DESC
115	C	LOCKBOX DEPOSIT	115	INDIVIDUAL LOCKBOX DEPOSIT
165	C	PREAUTHORIZED ACH CREDIT	165	PREAUTHORIZED ACH CREDIT
171	C	INDIVIDUAL LOAN DEPOSIT	171	Individual Loan Deposit
173	C	BANK-PREPARED DEPOSIT	399	BANK PREPARED DEPOSITS
174	C	OTHER DEPOSIT	174	OTHER DEPOSITS
187	C	CASH LETTER CREDIT	187	CASH LETTER CREDITS
195	C	INCOMING MONEY TRANSFER	195	IND INCOMING MONEY TRANSFER
206	C	BOOK TRANSFER CREDIT	195	BOOK TRANSFER CREDIT
208	C	INDIVIDUAL INTERNATIONAL MONEY TRANSFER CREDIT	214	IND. INTERNATIONAL MONEY TRANSFER CREDIT
252	C	DEBIT REVERSAL	252	DEBIT REVERSAL
266	C	RETURN ITEM	266	RETURN ITEMS
295	C	ATM CREDIT	295	ATM CREDIT
354	C	INTEREST CREDIT	354	INTEREST CREDIT
357	C	CREDIT ADJUSTMENT	357	CREDIT ADJUSTMENT
364	C	LOAN PARTICIPATION	399	Miscellaneous Credit
366	C	CURRENCY AND COIN DEPOSITED	366	Currency and Coin Deposited
395	C	CHECK REVERSAL	395	Check Reversal
398	C	MISCELLANEOUS FEE REFUND	398	MISCELLANEOUS FEE REFUNDS
399	C	MISCELLANEOUS CREDIT	399	MISCELLANEOUS CREDIT
455	D	PREAUTHORIZED ACH DEBIT	455	PREAUTHORIZED ACH DEBIT
466	D	ACH SETTLEMENT	466	ACH SETTLEMENT
469	D	MISCELLANEOUS ACH DEBIT	455	MISC. ACH DEBIT
475	D	CHECK PAID	475	INDIVIDUAL CHECKS PAID
481	D	INDIVIDUAL LOAN PAYMENT	481	IND. LOAN PAYMENTS
484	D	DRAFT	699	DRAFT
495	D	OUTGOING MONEY TRANSFER	495	IND OUTGOING MONEY TRANSFERS
501	D	INDIVIDUAL AUTOMATIC TRANSFER DEBIT	501	IND. AUTOMATIC TRANSFER DEBIT
506	D	BOOK TRANSFER DEBIT	495	BOOK TRANSFER DEBIT
508	D	INDIVIDUAL INTERNATIONAL MONEY TRANSFER DEBITS	514	INT. INTERNATIONAL MONEY TRANSFER DEBIT
552	D	CREDIT REVERSAL	552	CREDIT REVERSAL
555	D	DEPOSITED ITEM RETURNED	555	IND. DEPOSITED ITEMS RETURNED
566	D	RETURN ITEM	555	IND. DEPOSITED ITEMS RETURNED
567	D	RETURN ITEM FEE	567	RETURN ITEM FEE
595	D	ATM DEBIT	595	ATM DEBIT
631	D	DEBIT ADJUSTMENT	631	DEBIT ADJUSTMENT
654	D	INTEREST DEBIT	654	INTEREST DEBIT
661	D	ACCOUNT ANALYSIS FEE	698	ACCOUNT ANALYSIS FEE
698	D	MISCELLANEOUS FEES	698	MISCELLANEOUS FEES
699	D	MISCELLANEOUS DEBIT	699	MISCELLANEOUS DEBIT

Appendix D: Comparison Sample: FRB and Pre-Migration BAI2

The following sample illustrates the difference between a First Republic Bank BAI2 and a Pre-Migration BAI2. Additional variances may be present in sample Pre-Migration BAI2 files.

BAI Records below are aligned for comparison. In production Pre-Migration BAI2 files, the spacing between records (below) will not be present.

FRB BAI2	Pre-Migration BAI2
01,321081669,321081669,240131,1001,1,,,2/ 02,,321081669,1,240129,,USD,2/ 03,10001234567,USD,010,0,,,015,0,,,040,0,,,045,0,,,050,0,,,063,0,,/ 88,072,0,,,074,0,,,190,0,,,490,50000000,,/ 16,206,50000000,V,240129, ,,,AUTOMATIC TRANSFER TRANSFER FROM ZBA 88,TRANSFER XXXXXXX3868/ 16,495,50000000,V,240129,0000,20240129MMQFMPRN001234,, 88,FED_REF=20240129MMQFMPRN001234; ORIGINATOR=BALOOS AIRCRAFT LLC DBA 88,MCQUACK AV/123 1ST ST STE 301/DUCKBURG-CA-94952/80001234567; 88,ORIGINATORS_BANK=FIRST REPUBLIC BANK/321081669; INSTRUCTING_BANK=; 88,BENEFICIARY=MCQUACK AIRCRAFT/933871234; RFB=FRB TO JPMC; OBI=; BBI=; 88,SENDING_BANK=FIRST REPUBLIC BANK/321081669; SENDING_BANK_REF=FRB TO 88,JPMC; RECEIVING_BANK=JPMORGAN CHASE BANK, NA/21000021;/ 49,50000000,12/ 03,10002345678,USD,010,15824029,,,015,45612951,,,040,15824029,,,045/ 88,45612951,,,050,36102878,,,063,0,,,072,0,,,074,0,,,190,30000000,,,490/ 88,0,,/ 16,475,65000,V,240129, ,,1038,CHECK WITHDRAWAL CK# 1038/ 49,1092300764,5/ 03,10004567890,USD,010,1291685,,,015,28236545,,,040,1291685,,,045/ 88,28236545,,,050,15335262,,,063,0,,,072,0,,,074,0,,,190,0,,,490,0,,/ 16,165,26944860,V,240129, ,91000013222727,,ACH CREDIT GLOMGOLD ENTERP 88,DIRECT-PAY MCQUACK AVIATIO 63723881 2242176753/ 16,501,3236545,V,240129, ,,,AUTOMATIC TRANSFER TRANSFER TO ICS SWEEP 88,XX XXXXXXX6783/ 49,98100037,7/ 98,1459166561,4,41/ 99,1459166561,1,43/	01,321081669,XXXXXXXXX,240131,1942,1,,,2/ 02,XXXXXXXXX,321081669,1,240129,1942,,2/ 03,10001234567,USD,010,0,,,015,0,,,040,0,,,045,0,,,050,0,,,063,0,,,072/ 88,,0,,,074,0,,,100,50000000,1,,400,50000000,1,,490,50000000,1,/ 16,206,50000000,V,240129,0000,,NON REF,/ 88,REMARK=AUTOMATIC TRANSFER TRANSFER FROM ZBA TRANSFER XXXXXXX3868 16,495,50000000,V,240129,0000,5FX4U67ARMQG-24029,NON REF,/ 88,YOUR REF=FRB TO JPMC,PAID TO=JPMORGAN CHASE BANK, NA,FED ID=021000021, 88,ACCT PARTY=/80001234567 MCQUACK AIRCRAFT 933875392,REMARK=,REC GRP 88,=,MRN SEQ=,FED REF=20240129 MMQFMPRN 007375 VIA FED 49,150000000,9/ 03,10002345678,USD,010,15824029,,,015,45612951,,,040,15824029,,,045,45/ 88,612951,,,050,36102878,,,063,0,,,072,0,,,074,0,,,100,30000000,1,,400/ 88,,211078,1,,190,30000000,1,/ 16,195,30000000,V,240129,0000,X7G36GVIBV5S-24029,NON REF,/ 88,YOUR REF=ATS OF 24/01/29,REC FROM=JPMORGAN CHASE,FED ID=021000021,B/O 88,CUSTOMER=STARRY SKIES LLC 1234 WOOD MILL RD CAPE SUZE CA 94123-1234 88, US 742461234,B/O BANK=JPMORGAN CHASE,REMARK=STARRY SKIES LLC BANK 88,TO BANK TRANSFER,REC GFP=STARRY SKIES LLC BANK TO BANK TRANSFER,MRN 88, SEQ=,FED REF=20240129 MMQFMPRN 002345 VIA FED 16,455,211078,V,240129,0000,24029YZV3XT-OQK2E2,NON REF,/ 88,ORIG CO NAME=MCQUACK AIRCRAFT,ORIG ID=9993893118,ENTRY DESC=ACH PREFUN 88,DING DEBIT,ENTRY CLASS=PPD,TRACE NO=24029005223153,ENTRY DATE=24012 88,9,IND ID NO=9993893118,IND NAME=2463,REMARK=,ORIG BANK=FIRST R 88,EPUBLIC BANK 49,248976838,15/ 03,10003456789,USD,010,215924837,,,015,215859837,,,040,215924837,,,045/ 88,,215859837,,,050,228796416,,,063,0,,,072,0,,,074,0,,,100,0,0,,400,6/ 88,5000,1,/ 16,475,65000,V,240129,0000,,1038,/ 88,REMARK=CHECK WITHDRAWAL CK# 1038 49,1092365764,6/ 03,10004567890,USD,010,1291685,,,015,28236545,,,040,1291685,,,045,2823/ 88,6545,,,050,15335262,,,063,0,,,072,0,,,074,0,,,100,26944860,1,,400,3/ 88,236545,1,/ 16,165,26944860,V,240129,0000,24029K7WZT5-C3QDE6,NON REF,/ 88,ORIG CO NAME=GLOMGOLD ENTERP,ORIG ID=2242176753,ENTRY DESC=ACH CREDIT 88,,ENTRY CLASS=CTX,TRACE NO=91000013222727,ENTRY DATE=240129,IND ID N 88,O=2242176753,IND NAME=,REMARK=,ORIG BANK=WELLS FARGO BANK NA (MINN 88,ESOTA) 16,501,3236545,V,240129,0000,,NON REF,/ 88,REMARK=AUTOMATIC TRANSFER TRANSFER TO ICS SWEEP XX XXXXXXX6783 49,128281442,11/ 98,1619624044,4,43/ 99,1619624044,1,45/

FRB BAI2

Pre-Migration BAI2

01,321081669,321081669,240131,1001,1,,,2/
02,,321081669,1,240129,,USD,2/
03,10001234567,USD,010,0,,,015,0,,,040,0,,,045,0,,,050,0,,,063,0,,/
88,072,0,,,074,0,,,190,0,,,490,50000000,,/

16,206,50000000,V,240129, ,,,AUTOMATIC TRANSFER TRANSFER FROM ZBA
88,TRANSFER XXXXXXX3868/

16,495,50000000,V,240129,0000,20240129MMQFMPRN001234,,
88,FED_REF=20240129MMQFMPRN001234; ORIGINATOR=BALOOS AIRCRAFT LLC DBA
88,MCQUACK AV/123 1ST ST STE 301/DUCKBURG-CA-94952/80001234567;
88,ORIGINATORS_BANK=FIRST REPUBLIC BANK/321081669; INSTRUCTING_BANK=;
88,BENEFICIARY=MCQUACK AIRCRAFT/933871234; RFB=FRB TO JPMC; OBI=; BBI=;
88,SENDING_BANK=FIRST REPUBLIC BANK/321081669; SENDING_BANK_REF=FRB TO
88,JPMC; RECEIVING_BANK=JPMORGAN CHASE BANK, NA/21000021;/
49,50000000,12/

03,10002345678,USD,010,15824029,,,015,45612951,,,040,15824029,,,045/
88,45612951,,,050,36102878,,,063,0,,,072,0,,,074,0,,,190,30000000,,,490/
88,0,,/

16,475,65000,V,240129, ,,1038,CHECK WITHDRAWAL CK# 1038/

49,1092300764,5/

03,10004567890,USD,010,1291685,,,015,28236545,,,040,1291685,,,045/
88,28236545,,,050,15335262,,,063,0,,,072,0,,,074,0,,,190,0,,,490,0,,/

16,165,26944860,V,240129, ,91000013222727,,ACH CREDIT GLOMGOLD ENTERP
88,DIRECT-PAY MCQUACK AVIATIO 63723881 2242176753/

16,501,3236545,V,240129, ,,,AUTOMATIC TRANSFER TRANSFER TO ICS SWEEP
88,XX XXXXXXX6783/

49,98100037,7/
98,1459166561,4,41/
99,1459166561,1,43/

01,321081669,XXXXXXXXX,240131,1942,1,,,2/
02,XXXXXXXXX,321081669,1,240129,1942,,2/
03,10001234567,USD,010,0,,,015,0,,,040,0,,,045,0,,,050,0,,,063,0,,,072/
88,,0,,,074,0,,,100,50000000,1,,400,50000000,1,,490,50000000,1,/

16,206,50000000,V,240129,0000,,NON REF,/
88,REMARK=AUTOMATIC TRANSFER TRANSFER FROM ZBA TRANSFER XXXXXXX3868

16,495,50000000,V,240129,0000,5FX4U67ARMQG-24029,NON REF,/
88,YOUR REF=FRB TO JPMC,PAID TO=JPMORGAN CHASE BANK, NA,FED ID=021000021,
88,ACCT PARTY=/80001234567 MCQUACK AIRCRAFT 933875392,REMARK=,REC GRP
88,=,MRN SEQ=,FED REF=20240129 MMQFMPRN 007375 **VIA FED**

49,150000000,9/

03,10002345678,USD,010,15824029,,,015,45612951,,,040,15824029,,,045,45/
88,612951,,,050,36102878,,,063,0,,,072,0,,,074,0,,,100,30000000,1,,400/
88,,211078,1,,190,30000000,1,/

16,195,30000000,V,240129,0000,X7G36GVIBV5S-24029,NON REF,/
88,YOUR REF=ATS OF 24/01/29,REC FROM=JPMORGAN CHASE,FED ID=021000021,B/O
88,CUSTOMER=STARRY SKIES LLC 1234 WOOD MILL RD CAPE SUZE CA 94123-1234
88, US 742461234,B/O BANK=JPMORGAN CHASE,REMARK=STARRY SKIES LLC BANK
88,TO BANK TRANSFER,REC GFP=STARRY SKIES LLC BANK TO BANK TRANSFER,MRN
88, SEQ=,FED REF=20240129 MMQFMPRN 002345 **VIA FED**

16,455,211078,V,240129,0000,24029YZV3XT-OQK2E2,NON REF,/
88,ORIG CO NAME=MCQUACK AIRCRAFT,ORIG ID=9993893118,ENTRY DESC=ACH PREFUN
88,DING DEBIT,ENTRY CLASS=PPD,TRACE NO=24029005223153,ENTRY DATE=24012

88,9,IND ID NO=9993893118,IND NAME=2463,REMARK=,ORIG BANK=FIRST R
88,EPUBLIC BANK

49,248976838,15/

03,10003456789,USD,010,215924837,,,015,215859837,,,040,215924837,,,045/
88,,215859837,,,050,228796416,,,063,0,,,072,0,,,074,0,,,100,0,0,,400,6/
88,5000,1,/

16,475,65000,V,240129,0000,,1038,/
88,REMARK=CHECK WITHDRAWAL CK# 1038

49,1092365764,6/

03,10004567890,USD,010,1291685,,,015,28236545,,,040,1291685,,,045,2823/
88,6545,,,050,15335262,,,063,0,,,072,0,,,074,0,,,100,26944860,1,,400,3/
88,236545,1,/

16,165,26944860,V,240129,0000,24029K7WZT5-C3QDE6,NON REF,/
88,ORIG CO NAME=GLOMGOLD ENTERP,ORIG ID=2242176753,ENTRY DESC=ACH CREDIT
88,,ENTRY CLASS=CTX,TRACE NO=91000013222727,ENTRY DATE=240129,IND ID N
88,O=2242176753,IND NAME=,REMARK=,ORIG BANK=WELLS FARGO BANK NA (MINN
88,ESOTA)

16,501,3236545,V,240129,0000,,NON REF,/
88,REMARK=AUTOMATIC TRANSFER TRANSFER TO ICS SWEEP XX XXXXXXX6783

49,128281442,11/
98,1619624044,4,43/
99,1619624044,1,45/

Appendix E: Sample JPMorgan BAI2 files

The following Sample BAI2 files include examples of the available Balance, Summary, and Transaction Codes.

BAI2 Codes 165, 699

01,021000021,COMPANY ID,240208,1014,5162,,,2/
02, COMPANY ID,021000021,1,240207,1014,,3/
03,0000000665,USD,010,1947108,,,030,1997816,,,040,1947108,,,060,1997816,,/
88,072,0,,,073,0,,,074,0,,,075,0,,,100,51251,2,,140,51251,2,,400,543,1,/
88,690,543,1,/
16,165,49500,0,0384082640TC,000000000000000/
88,ORIG CO NAME=BKCD PROCESSING,ORIG ID=9999999999,DESC DATE=240206,ENTRY DESCR
88,=SETTLEMENT,ENTRY CLASS=CCD,TRACE NO=021001030000000,ENTRY DATE=240207,IND I
88,D NO=000000000000000,IND NAME=Counters,ORIG BANK=BANKERS TRUST CO NEW YORK
16,165,1751,0,0384272029TC,b3e0325c-a21d-/
88,ORIG CO NAME=Oring Company nm,ORIG ID=5555555555,ENTRY DESCR=Dep 02/06,ENTRY
88, CLASS=CCD,TRACE NO=042000014000000,ENTRY DATE=240207,IND ID NO=b2e2222c-a22
88,d-,IND NAME=The Name ABC,ORIG BANK=U.S. Bank National Association
16,699,543,0,0000005038SB,/
88,REMARK=POS DEBIT JPMORGAN.COM/BILL 866-000-0000 NY
49,8045230,14/
98,8045230,1,16/
99,8045230,1,18/

BAI2 Codes 165, 175, 408, 455

01,021000021,COMPANY ID,240208,1021,3641,,,2/
02, COMPANY ID,021000021,1,240207,1021,,3/
03,00000000165,USD,010,56631,,,030,107508,,,040,56631,,,060,101008,,/
88,072,6500,,,073,0,,,074,0,,,075,0,,,100,203001,8,,140,187833,6,,170,15168,2,/
88,400,152124,3,,450,1000,1,,470,143540,1,,690,7584,1,/
16,165,148506,0,0374379094TC,SAMPLE ID/
88,ORIG CO NAME=Customer Name,ORIG ID=1111111111,DESC DATE=240206,ENTRY DESCR=T
88,EST,ENTRY CLASS=CCD,TRACE NO=000000000000000,ENTRY DATE=240207,IND NAME=SAMP
88,LE ID,REMARK=TRN*1*111111*1111111111\,ORIG BANK=MANUFACTURERS and TRADERS TR
88,UST
16,165,23417,0,0374379091TC,099999999/
88,ORIG CO NAME=NORIDIAN DMEMAC,ORIG ID=1262326076,ENTRY DESCR=ANOTHER 11,ENTRY
88, CLASS=CCD,TRACE NO=042000010000000,ENTRY DATE=240207,IND ID NO=099999999,I
88,ND NAME=THE IND NAME FIELD,REMARK=TRN*1*000000000000000*0000000000~,ORIG BA
88,NK=U.S. Bank National Association
16,165,10400,0,0374379097TC, MEDICAL SUPPLIES/
88,ORIG CO NAME=ARCHCARE COMMUNI,ORIG ID=P208180809,DESC DATE=240206,ENTRY DESC
88,R=ABCDEFGHIJ,ENTRY CLASS=CCD,TRACE NO=221970444379097,ENTRY DATE=240207,IND
88,NAME=MEDICAL SUPPLIES,REMARK=TRN*0*00000*0000000000\,ORIG BANK=2219704
88,4
16,165,3118,0,0374379082TC,8888888888/
88,ORIG CO NAME=AETNA AS01,ORIG ID=3066033492,ENTRY DESCR=TESTING,ENTRY CLASS=C
88,CD,TRACE NO=051000014379082,ENTRY DATE=240207,IND ID NO=8888888888,IND NAME=
88,MEDICAL SUPPLY,REMARK=TRN*1*882403101089966*1066033492\,ORIG BANK=Bank of Am
88,erica
16,165,1763,0,0374379088TC,1891761615/
88,ORIG CO NAME=AETNA AS01,ORIG ID=3066033492,ENTRY DESCR=TESTING,ENTRY CLASS=C
88,CD,TRACE NO=051000014379088,ENTRY DATE=240207,IND ID NO=1891761615,IND NAME=
88,MEDICAL SUPPLY,REMARK=TRN*1*882403301095899*1066033492\,ORIG BANK=Bank of Am
88,erica
16,165,629,0,0374379085TC,113254634/
88,ORIG CO NAME=ABCD EFGHIJKLMNO,ORIG ID=1362739571,ENTRY DESCR=TESTING,ENTRY C
88,LASS=CCD,TRACE NO=124384874379085,ENTRY DATE=240207,IND ID NO=113254634,IND
88,NAME=MEDICAL SUPPLY,REMARK=TRN*1*00000000000*0000000000*000000000\,ORIG BANK
88,=12438487
16,175,7584,0,0000009038SB,81912105835403846/
88,REMARK=ONLINE DEPOSIT
16,175,7584,S,1084,6500,0,6080255757,6,/
16,408,7584,0,0000010038SB,81912105835403846/
88,REMARK=DEPOSIT AVAILABILITY
16,455,1000,0,0375320812TC,MEDICAL/
88,ORIG CO NAME=TESTING SAMPLES,ORIG ID=0000000000,DESC DATE=240206,ENTRY DESCR
88,=PURCHASE,ENTRY CLASS=CCD,TRACE NO=000000000000000,ENTRY DATE=240207,IND ID
88,NO=MEDICAL,IND NAME=MEDICAL SUPPLY,COMPANY DATA=000-000-0000,ORIG BANK=WELLS
88, FARGO BANK NA
16,475,143540,0,4090895988,0000000050208/
88,CHECK NO=0000000050208
49,1393653,46/
98,1393653,1,48/
99,1393653,1,50/

BAI2 Code 195, FED Wire Credit

16,195,32733044,0,0093641038FF,O:B BK OF NYC/
88,YOUR REF=O/B BK OF NYC,REC FROM=THE BANK OF NEW YORK MELLON 240 GREENWICH ST
88,REET NEW YORK NY US,FED ID=021000018,B/O CUSTOMER=/0000000000 DEBTOR NAME AN
88,D ADDRESS,B/O BANK=BANK NAME AND ADDRESS,REMARK=1111111 ENERGY USD /CHGS/USD
88,0,00//OCMT/USD327330,44/ DEBIT REF F1S1111111111111,FED TIME=07:06,REC GFP=0
88,2071206,MRN SEQ=F911111111111111,FED REF=0111 B1Q1111C 111111 **VIA FED**

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