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ACH Return & NOC CodesNACHA Return Reason Codes(For additional information on return reason codes, please see the NACHA count TypeTime FrameR01Insufficient FundsRDFIReturnR02Account ClosedRDFIReturnR03No Account/ Unable toLocate AccountRDFIReturnConsumer or NonconsumerConsumer or NonconsumerConsumer or Nonconsumer2 Banking Days (“24hours”)2 Banking Days (“24hours”)2 Banking Days (“24hours”)R04RDFIReturnRDFIExtendedReturn2 Banking Days (“24hours”)60 Calendar DaysNoRDFIReturnRDFIExtendedReturnReturnNot defined, determinedby ODFI and RDFI60 Calendar DaysNoRDFIConsumer or NonconsumerConsumerUncollected FundsRDFIReturnConsumer or NonconsumerConsumer or Nonconsumer2 Banking Days (“24hours”)2 Banking Days (“24hours”)NoR09R10Customer Advises NotAuthorized, Improper,Ineligible, or Part of anincomplete transaction.Check Truncation EntryReturnAccount Sold to AnotherDFIRepresentative PayeeDeceased or Unable toContinue in that CapacityBeneficiary or AccountHolder (Other Than aRepresentative Payee)DeceasedCCD or CTX debit Entry was transmitted to a ConsumerAccount of the Receiver and was not authorized by theReceiver.The ODFI has requested that the RDFI return an ErroneousEntry.The RDFI’s customer (the Receiver) revoked the authorizationpreviously provided to the Originator for this debit Entry.The Receiver has placed a stop payment order on this debitEntry.A sufficient ledger balance exists to satisfy the dollar value ofthe transaction, but the available balance is below the dollarvalue of the debit Entry.The RDFI has been notified by the Receiver that the Entry isunauthorized, improper, ineligible, or part of an incompletetransaction.Consumer or NonconsumerConsumerR08Invalid Account NumberStructureUnauthorized Debit toConsumer Account UsingCorporate SEC CodeReturned per ODFI’sRequestAuthorization Revokedby CustomerPayment StoppedThe available and/or cash reserve balance is not sufficient tocover the dollar value of the debit Entry.A previously active account has been closed by action of thecustomer or the RDFIThe account number structure is valid and it passes the Checkdigit validation, but the account number does not correspondto the individual identified in the Entry, or the accountnumber designated is not an existing account.The account number structure is not valid.RDFIExtendedReturnConsumer; for ARC, BOC,IAT, or POP, Entries mayalso be a Non-consumer.60 Calendar DaysYesUsed when returning a Check Truncation EntryRDFIReturnRDFIReturnRDFIReturn2 Banking Days (“24hours”)2 Banking Days (“24hours”)2 Banking Days (“24hours”)NoA financial institution received an Entry to an account thatwas sold to another financial institution.The representative payee is either deceased or unable tocontinue in that capacity. The beneficiary is NOT deceased.Consumer or NonconsumerConsumer or NonconsumerConsumer or Nonconsumer(1) The beneficiary is deceased, or (2) The account holder isdeceased.RDFIReturnConsumer2 Banking Days (“24hours”)NoR05R06R07R11R12R14R15March 2013Commerce BankWrittenStatementRequiredNoNoNoYesYesNoNoNo1

ACH Return & NOC unt TypeTime FrameR161) Access to the account is restricted due to specific actiontaken by the RDFI or by legal action; or (2) OFAC hasinstructed the RDFI or Gateway to return the Entry.Field(s) cannot be processed by RDFI.RDFI orGatewayReturnConsumer or Nonconsumer2 Banking Days (“24hours”)R17Account Frozen/EntryReturned per OFACInstructionFile Record Edit CriteriaRDFIReturnNon-Transaction AccountACH Entry to a Non-Transaction AccountRDFIReturnR21Invalid CompanyIdentificationInvalid Individual IDNumberCredit Entry Refused byReceiverThe identification number used in the Company IdentificationField is not valid.The Receiver has indicated to the RDFI that the number withwhich the Originator was identified is not correct.Any credit Entry that is refused by the Receiver may bereturned by the RDFI.RDFIReturnRDFIReturnRDFIReturnR24Duplicate EntryRDFIReturnConsumer or NonconsumerR29Corporate CustomerAdvises Not AuthorizedPermissible Return Entry(CCD and CTX only)Return of XCK EntryThe RDFI has received what appears to be a duplicate Entry;i.e. the trace number, date, dollar amount and/or other datamatches another transaction.The RDFI has been notified by the Receiver (non-consumer)that a specific Entry has not been authorized by the Receiver.The RDFI may return a CCD or CTX Entry that the ODFI agreesto accept.This Return Reason Code may only be used to return XCKEntries and is at the RDFI’s sole discretion.The source document to which an ARC, BOC, or POP Entryrelates has been presented for payment.The RDFI determines a stop payment order has been placedon the source document to which the ARC or BOC Entryrelates.The RDFI determines that (1) the source document used foran ARC, BOC, or POP Entry to its Receiver’s account isimproper, or (2) an ARC, BOC, or POP Entry and the sourcedocument to which the Entry relates have both beenpresented for payment and posted to the Receiver’s account.2 Banking Days (“24hours”)2 Banking Days (“24hours”)2 Banking Days (“24hours”)2 Banking Days (“24hours”)RDFI must transmit theReturn Entry to the ACHOperator by the ACHOperator’s depositdeadline for the ReturnEntry to be madeavailable to the ODFI nolater than the opening ofbusiness on the secondBanking Day followingthe RDFI’s receipt of theEntry from its Receiver.2 Banking Days (“24hours”)NoR20Consumer or NonconsumerConsumer or nExtendedReturnConsumer or NonconsumerConsumer or NonconsumerConsumer or Nonconsumer2 Banking Days (“24hours”)Not defined, determinedby the ODFI and RDFI.60 Calendar Days60 Calendar DaysYes60 Calendar DaysNoReturnConsumer or Nonconsumer2 Banking Days (“24hours”)NoR22R23R31R33R37R38R39Source DocumentPresented for PaymentStop Payment on SourceDocumentImproper SourceDocument/ SourceDocument Presented forPaymentMarch 2013RDFIRDFIRDFICommerce BankConsumer or NonconsumerConsumer or o2

ACH Return & NOC CodesCodeTitleDescriptionInitiatedByR50State Law AffectingRCK AcceptanceRDFIR51Item related to RCKEntry is Ineligible orRCK Entry is ImproperStop Payment on ItemRelated to RCK EntryItem and RCK EntryPresented forPaymentThe RDFI is located in a state that has not adopted RevisedArticle 4 of the Uniform Commercial Code (1990 Official Text)and has not revised its customer agreements to allow forElectronic presentment. OR The RDFI is located within a statethat requires all canceled Checks to a specific type of account tobe returned to the Receiver within the periodic statement.An RCK Entry is considered to be ineligible or improper.A stop payment order has been placed on the item to which theRCK Entry relates.In addition to an RCK Entry, the item to which the RCK Entryrelates has also been presented for payment.ReturnTypeAccount TypeTime FrameWrittenStatementRequiredReturnConsumer2 Banking Days (“24hours”)NoRDFIExtendedReturnConsumer60 Calendar DaysYesRDFIExtendedReturnExtendedReturnConsumer60 Calendar DaysNoConsumer60 Calendar DaysYesCodes to be used for Return of RCK EntriesR52R53R80IAT Entry Coding ErrorR81Non-Participant in IATProgramR82Invalid ForeignReceiving DFIIdentificationForeign Receiving DFIUnable to SettleEntry Not Processedby GatewayR83R84R85Incorrectly CodedOutboundInternational PaymentMarch 2013RDFICodes to be used by Gateway Operators for the Return of IAT EntriesThe IAT Entry is being returned due to one or more of thefollowing conditions:Invalid DFI/Bank Branch Country Code; Invalid DFI/BankIdentification Number Qualifier; Invalid Foreign ExchangeIndicator; Invalid ISO Originating Currency Code; Invalid ISODestination Currency Code; Invalid ISO Destination CountryCode; Invalid Transaction Type Code.The IAT Entry is being returned because the Gateway does nothave an agreement with either the ODFI or the Gateway’scustomer to transmit IAT Entries.The reference used to identify the Foreign Receiving DFI of anOutbound IAT Entry is invalid.GatewayReturnConsumer or Nonconsumer2 Banking Days (“24hours”)NoGatewayReturnConsumer or Nonconsumer2 Banking Days (“24hours”)NoGatewayReturnConsumer or Nonconsumer2 Banking Days (“24hours”)NoThe IAT Entry is being returned due to settlement problems inthe foreign payment system.For Outbound IAT Entries, the Entry has not been processed andis being returned at the Gateway’s discretion because either (1)the processing of such Entry may expose the Gateway toexcessive risk or (2) the foreign payment system does notsupport the functions needed to process the transaction.The RDFI/Gateway has identified the Entry as an Outboundinternational payment and is returning the Entry because itbears an SEC Code that lacks information required by theGateway for OFAC compliance.GatewayReturnReturn2 Banking Days (“24hours”)2 Banking Days (“24hours”)NoGatewayConsumer or NonconsumerConsumer or NonconsumerGatewayReturnConsumer or NonConsumer2 Banking Days (“24”hours”)NoCommerce BankNo3

ACH Return & NOC CodesNACHA Dishonored Return Reason CodesCodeTitleR61Misrouted ReturnR67Duplicate ReturnR68Untimely ReturnR69Field Error(s)R70Permissible ReturnEntry Not Accepted/Return Not Requestedby ODFIMarch 2013DescriptionInitiatedByReturnTypeAccount TypeCodes to be used by the ODFI for Dishonored Return EntriesThe financial institution preparing the Return Entry (The RDFI ofODFIDishonored Consumer or Nonthe original Entry) has placed the incorrect Routing Number inReturn –consumerthe Receiving DFI Identification field.Must beused for allEntriesexcept IATThe ODFI has received more than one Return for the sameODFIDishonored Consumer or NonEntry.Return –consumerMust beused for allEntriesexcept IATThe Return Entry has not been sent within the timeframeODFIDishonored Consumer or Nonestablished by these Rules.Return –consumerMust beused for allEntriesexcept IATOne or more of the field requirements are incorrect.ODFIDishonored Consumer or Non01 – Return Contains Incorrect DFI Account NumberReturn –consumer02 – Return Contains Incorrect Original Entry Trace NumberMust be03 – Return Contains Incorrect Dollar Amountused for all04 – Return Contains Incorrect Individual IdentificationEntriesNumber/ Identification Numberexcept IAT05 – Return Contains Incorrect Transaction Code06 – Return Contains Incorrect Company Identification Number07 – Return Contains an Invalid Effective Entry DateThe ODFI has received a Return Entry identified by the RDFI asODFIDishonored Consumer or Nonbeing returned with the permission of, or at the request of, theReturn –consumerODFI, but the ODFI has not agreed to accept the Entry or hasMust benot requested the return of the Entry.used for allEntriesexcept IAT.Commerce BankTime FrameWrittenStatementRequiredThe ODFI must transmit adishonored Return Entryto its ACH Operatorwithin five Banking Daysafter the Settlement Dateof the Return Entry.The ODFI must transmit adishonored Return Entryto its ACH Operatorwithin five Banking Daysafter the Settlement Dateof the Return Entry.The ODFI must transmit adishonored Return Entryto its ACH Operatorwithin five Banking Daysafter the Settlement Dateof the Return Entry.The ODFI must transmit adishonored Return Entryto its ACH Operatorwithin five Banking Daysafter the Settlement Dateof the Return Entry.NoThe ODFI must transmit adishonored Return Entryto its ACH Operatorwithin five Banking Daysafter the Settlement Dateof the Return Entry.NoNoNoNo4