Introduction and Installation

Introduction

AFD BankFinder® provides a simple way to get full information about a Banks details including the Postal address, and for banks on the UK clearing system the BACS (Bankers Automated Clearing Service), CHAPS (Clearing Houses Automated Payment System), FPS (Faster Payments Service) and C&CCC (Cheque and Credit Clearing Company) information. BankFinder also provides verification of Account Numbers and Debit / Credit Card Numbers and the transcribing of non-standard account numbers to help eliminate errors when capturing users payment details.

As well as full data for the UK clearing systems, BankFinder also includes data from the Irish Payment Services Organisation, so regardless of if you are dealing with payments on the UK, Irish, or both clearing systems BankFinder can cater for you.

You can look up a Bank quickly from it's Postcode, Sort Code or, for banks on the UK clearing system, the BIC Code. If you don't know these BankFinder also allows you to search for a Bank based on the Branch Name, Bank Name, Town, and/or Phone Number, and you can also search for specified text in any field.

AFD Software provides many ways to incorporate its powerful fast addressing features with other programs. In Windows, the stand-alone BankFinder program can be used for simple look-ups, or to squirt data into other programs. If your application has a suitable programming language you can also use our powerful API to access the data from within your own application. Example code is provided for the most popular programming languages.

BankFinder also includes ROBOT® technology (Patent GB 2369699) which allows integration of BankFinder into other applications with no programming required and we don't even need to recognise your application! Simply type the Sort Code or Postcode and BankFinder does the rest and brings back all the fields you require with or without prompting!

AFD BankFinder is accredited by the Payments Council Sort Code Validation Accreditation Scheme. This is an independent payment industry assurance of the data quality and integrity of BankFinder.

All programs and data provided by AFD BankFinder® are copyright and protected by the 1988 Copyright, Designs and Patents Act in the United Kingdom and by the Berne convention and other International Copyright treaties.

Under the terms of the BankFinder End User License Agreement, you are permitted to install and use components of AFD BankFinder only on the number of computers, terminals or workstations for which a license is held, although the larger data elements of the system may be installed on a file server for central access if a multi-user license is held. You may additionally make one copy of the program master disks for back-up purposes, but no other copies are permitted, for whatever reason.

Evaluation versions of AFD BankFinder and the associated sample data, are nevertheless copyright material. You may make and distribute copies of the evaluation version and its sample data, but these copies must be complete and unaltered. You may NOT use the sample data provided for any purpose other than to assist in evaluating the usefulness of BankFinder.

Data within AFD BankFinder is the copyright of AFD Computers. You may access and use this data only as part of the AFD BankFinder system, to provide address data for a bona-fide address-based application. You may not extract, reverse-engineer or re-distribute data or programs provided under any circumstances whatsoever.

The BankFinder license is renewable annually and renewal fees include a fresh set of data, program updates and free technical support for the year, or you may subscribe to the POP scheme and cover all costs of using BankFinder including program and data updates, data licenses and technical support for a monthly payment by standing order. BankFinder is only sold with updates with automatic weekly updates provided as standard.

Installation

BankFinder is installed automatically by the installation program and all files are placed in the correct folders. Some information from your License Certificate will be required during installation, so you are advised to have this to hand:

Place the AFD Compact Disc in your drive then:

from the Task Bar, select Start - Run, then type d:\AFDBANK and click OK

... where 'd:' is the drive letter of your CD-Rom drive - usually D:

Follow the instructions and provide the information requested by the installation program.

The installation will create menu entries for BankFinder. These will include entries or icons for BankFinder, the Welcome program, and for various help and information documents.

The evaluation version of the program contains a restricted set of data, covering some of the Birmingham area only.

Registration

On new installations, BankFinder will operate in a special mode, giving full access to data, for about two weeks. To register and fully activate your copy of the program, run the BankFinder 'Welcome' program.

The evaluation version of the program contains only a limited set of data, and does not require registration.

A copy of the 'AFD Welcome' program is supplied to simplify the process of Registration and activation of your program license. To register your copy of BankFinder, you will also need the information printed on the 'License Certificate' supplied with your program.

To register, run the 'Welcome' program:

from the Task Bar select Start - Programs - AFD BankFinder - Welcome

Select your required registration method and follow the instructions on screen to activate your software.

You can also register via a WWW browser on another computer by visiting:

http://www.afd.co.uk/register.asp

and simply transfer the information to/from this machine.

If you need personal assistance with the registration process, you may call our HelpDesk on 01624 811712, Monday - Friday 9am - 5pm (except holidays).

De-Registration

If you require to move your AFD BankFinder® Licence from one machine to another or if you will be upgrading a machine and will be replacing your hard drive, you should first de-register the license from that machine and transfer it back to our server. At which point you will be able to register AFD BankFinder® on that other machine instead, and so transfer your license.

To do this, run the Welcome program (as described in the Registration section) and click the 'De-Activate' button to transfer the license back. You can then register it on the new machine as described in the Registration section.

Please note that in the case of wiping a hard disk drive you must de-register before you erase your registration information by wiping that hard disk drive.

If you have problems de-registering or do not have Internet Access then please follow our manual procedure by submitting a Re-registration form.

Technical Support

The AFD range of software is carefully designed to be easy to use, and trouble free. Every product goes through an intensive testing process on every operating system we support. It is a credit to the team who develop and maintain AFD products that they work "out of the box" in tens of thousands of installations, and we receive surprisingly few customer support requests.

Nevertheless, customers do occasionally have difficulties with new or complex installations, new programming projects - or as a result of system damage such as virus attacks: so AFD has provided a friendly, efficient Technical Support service to ensure that everyone can get the maximum benefit from their AFD system.

AFD Technical Support is a free, unlimited service for everyone who is evaluating or using our products. Our team will help you with any aspect of the installation, configuration, programming or use of any of the AFD range of software. We'll even do our best to help and advise with difficulties you're having with software not our own - so long as it relates to the use of an AFD product.

Unfortunately, we cannot help with other hardware or software products.

The HelpDesk is manned Monday - Friday 8:30am to 5:30pm each weekday except holidays:

  1. Email Support is the best and first-choice method of support. Our support engineers will respond to an email within a few minutes - and certainly our aim is to reply within one hour of receipt. You can email us at support@afd.co.uk or from our web site support page using our "Ask the HelpDesk" page which gives us most of the information we need before we respond, thus helping us to direct your enquiry to the correct support engineer. Email is also monitored outside normal office hours, each evening after 9:00pm and on holidays and at weekends (except Christmas Day) after 10:00am, 4:00pm and 9:00pm.

  2. Telephone Support. Call our HelpDesk (Mon - Fri 8:30am to 5:30pm) on 01624 811712 to speak directly to one of our product experts.

    We won't waste your time and money in a hold system: if all our operators are busy you will be transferred to our purpose built call-handling system. Please leave a message giving as many details of your problem as possible, plus your name, telephone number and product serial number if you have one. One of our qualified engineers will aim to return your call within 15 minutes - but no later than within the hour at exceptionally busy times.

Data & Data Updates

The Bank data is constantly changing as a result of internal re-organisation within Banks, the establishing of new branches, relocation and closures of others, and changes to Postal addresses. To ensure that you get the maximum benefit from your investment in AFD BankFinder program, you must ensure that the data you are using is as up-to-date as possible.

AFD have invested in state-of-the-art technology to provide you with the best possible address data within our programs. Taking raw data direct from our suppliers tapes and converting it ready for release to our customers in just three days, means that AFD Data is often weeks and sometimes months more up-to-date than data from other sources.

Automatic weekly updates are provided as standard and work seemlessly in the background, downloading updated data as it becomes available. While we expect this to be the most convienent option for most customers, manual monthly updates are avaliable as an alternative which, as a condition of your license, must be regularly applied.

Make sure that you place your order so that each optional data update is sent to you as soon as it is prepared - or join the POP scheme so that all costs of Data Licenses, Program and Data Updates are covered in one modest standing order payment and shipped automatically when available.

Overview

General Overview

BankFinder is a very powerful bank lookup system, and there are many different ways to harness it. Typically, BankFinder can help in the following ways:

  • Rapid Bank Lookup - By entering a Sort Code, BIC Code or a Postcode, BankFinder can return full Bank details and the address.

  • Rapid Account Number and Debit/Credit Card Number Verification - By entering an account number of a debit/credit card number BankFinder will check it has a valid format and checksum to help eliminate most errors in input.

  • Powerful Search Facilities - When the sort code, BIC Code or Postcode are unknown, BankFinder can still quickly locate the Bank record you require when provided with a Branch Name or Title, Bank Name, Town, whole or the start of the Phone Number or by looking for text you specify in all of the bank fields.

  • Check accuracy of details supplied - With the move towards paperless Direct Debits where the accuracy-check becomes even more important - especially for transactions made by telephone, BankFinder allows you to quickly and easily check the bank details supplied are correct.

  • Label Printing - BankFinder enables you to print individual mailing labels and envelopes: simply add a name for the addressee if required to the address provided by BankFinder.

Starting the Program

From the Task Bar, select Start - Programs - AFD BankFinder - BankFinder

BankFinder will display an information splash screen, then the BankFinder Main Window will be loaded. If you have used any Command Line Options (see below), these may have customised the way in which BankFinder will load.

Main Window

Most BankFinder operations take place from the Main Window, and the method of operating the program will be familiar to Windows users, as the controls conform to Windows standards.

The Main Window consists of the following parts:

  • Menu - Use the menu to store and retrieve settings, print labels, change editing and viewing options, insert addresses into other programs, or use the on-line Help system.

  • Find Box & Lookup - Most rapid address entry or address lookups can be carried out from this single box - simply enter your request and click the Lookup Button.

  • Tabs - Eight Tabs allow you to enter more complex search requests, view bank and address data, and print labels.

  • Results List - Address lookup and search results are displayed in list format. Click on any record to see more detailed information.

Find Box & Lookup

Bank Lookups

At the 'Find' box you may enter a simple lookup request - yet powerful search facilities are also available to you - so most bank lookups can be done here.

Enter your lookup request, then click the Lookup button - use the shortcut key [Alt]+L - or simply press [Enter]. If your lookup request includes a sort code or a postcode this is detected, and AFD BankFinder will automatically carry out a lookup for you without the need to click Lookup.

Note that only the Lookup Button can be used with the Find Box - the Search Button is used with other searches on the Search Tab (see below).

using the Find Box & Lookup

Clicking on the down arrow to the right of the Lookup box allows you to select any of your last 25 Lookups. After selecting one make any modifications necessary, and then click on the Lookup button.

Other Lookups

Where you are not sure of the sort code or the postcode, BankFinder can easily find addresses from other information. See the Search tab for details on more complex searching.

Valid entries are:

Entry Example
Sort Code Only 401124
Postcode Only B26 3JW
Branch Name St. Philips Place
Bank Name Royal Bank
Town or Location Birmingham
Phone 0121 7411380
...including just an STD Code 0121
Text in any field, Any of the above Coventry Road,HSBC
Harborne,517032
A Bank BIC Code NWBKGB21
A Branch and Bank BIC Code 02J,BARCGB21

Click the Lookup Button or press the [Enter] key and BankFinder will look up the request you've entered.

Lookup Directives

BankFinder also provides a set of lookup directives so that you can force a lookup to look for data in fields you specify to allow quick searching straight from the lookup box.

The following directives can be used:

Directive Example Purpose
S= S=089001 Forces lookup as a Sort Code
P= P=B26 3JW Forces lookup as a Postcode
C= C=MIDLGB21 Forces lookup as a Bank BIC
R= R=19C Forces lookup as a Branch BIC
N= N=Bank Forces lookup as a Branch Name
B= B=Natwest Forces lookup as a Bank Name
T= T=Birmingham Forces lookup as a Town / Location
#= #=0121 Forces lookup as a Phone number

Examples List Window

The above examples, along with several others, are available from a special Examples List window, which displays when BankFinder is first run - or is available from the View menu (or by pressing [Ctrl]+X). To try out any example in the list, simply double-click it.

The examples help illustrate the types of lookups available in BankFinder - including most of the examples quoted in this section of the manual.

Drag and Drop

In BankFinder you can drag text from other Windows programs - like Microsoft Word - and drop it onto the Find Box. BankFinder will automatically Lookup the text you dropped - which can be in any of the formats supported by the Find Box.

Results

Using the Results List

When BankFinder finds results for your lookup or search, it places them in the Results List at the bottom of the Main Window. Simply click an entry in the Results List and that Banks details are shown on the Bank, Address, and Label Tabs. For Banks on the UK (BACS) clearance system BACS, FPS, CHAPS and C&CCC (On the Other Tab) clearing information is also available.

Using the Results List

Please note that if you are viewing both UK (BACS) and Irish (IPSO) clearing records there may be two entries for some branches that take part in both clearing systems - one for each system.

Auto Insert

Double-Clicking a result in the Results List can automatically Insert an address into another program.

Please note: In order for Auto-Insert to operate, it will be necessary for the first Insert to have been carried out from the Insert menu so that the target program for other Insert actions is established.

To cancel a Lookup or Search, simply click the Cancel button or press the [Esc] key. Note that BankFinder can only respond to a cancel instruction once the initialisation of the Lookup or Search action is completed - this may take a few seconds.

Search Tab

Using the Search Tab

Although BankFinder can find most addresses using the Find Box and Lookup button, there are times when a more complex search is required - or where you wish to do a completely free field text search. These are available on the Search Tab (shortcut key [Alt]+1).

Using the Search Tab

You should note that searching all the fields for text can take a while, particularly if the text being searched for is short. You should try and narrow done your search with one of the other fields were possible. The Bank BIC and Branch BIC fields are applicable to the UK (BACS) clearing system only.

When you have entered your Search request, click the Search Button or use the shortcut key [Alt]+S.

Please note: The Lookup Button and the shortcut key [Alt]+L will only work with the Find Box and cannot be used with Searches from the Search Tab.

Shortcuts

  • Clear All ([Alt]+C) - Click the Clear button at the base of the Main Window to clear all Search Fields, and any results - use Field-Clear (below) to clear just one or two fields.

  • Field-Clear - To clear any individual field on the Search Tab, click the descriptive label to its left - e.g. to clear the 'Street' field, click the letters of the word 'Street'.

Pattern Matching

AFD BankFinder also works with a set of special pattern matching characters to provide more enhanced searching facilities. These are as follows:

Character Description Examples
* Any number of characters *ham would match anything ending in ham
west would match anything containing west
b*ham would match anything beginning with the letter b and ending with ham
? Any character HS?C would match anything starting with HS?C where ? could be any character.
# Any digit 01#1 would match any Phone number that begun with 01, ends with 1 and has only one single digit between the two, e.g. a number starting 0121
^ Don't include anything starting with this ^ in a field would indicate that field must be blank in any addresses that are returned, typing London^ in the town field would only return addresses in London and not those in Londonderry.

Drag & Drop

To move text from one field to another - without re-typing it - hold down one of the [Shift] keys (usually marked with a hollow arrow pointing upwards). Then click and hold down the left mouse button on the field you wish to move (drag) text FROM - the cursor will turn into the shape of a hand with a pencil - now move to the field you wish to place the text in (keeping the mouse button down). Finally, release the mouse button to drop the text in the new field.

You can also drag text from other Windows programs - like Microsoft Word - and drop it into the fields on the Search Tab.

Bank Tab

Using the Bank Tab

This tab is used to display general information about a Bank in a record found by BankFinder. It can be selected by clicking the tab - or use the [Alt]+2 keyboard shortcut.

The fields displayed on this tab are as follows:

Field Description
Status Indicates if the bank is Active and displays the Deleted Date if it is not. It also indicates if the record is for the BACS (UK) or IPSO (Ireland) clearing system. Branches that are part of both systems will have a record for each one.
Sort Code The Banks Sort Code (Allocated to all banks involved in BACS, IPSO, FPS CHAPS Sterling, and Cheque and Credit Clearings).
Suffix This is the Sub-Branch Suffix which allows a branch to be uniquely identified where there is a cluster of branches with the same Sort Code. This is not used in the IPSO clearing system, but sub-branches are still indicated under branch type.
Bank and Branch BIC BICs are allocated to branches for international payment purposes over S.W.I.F.T. This is not applicable to entries in the IPSO (Ireland) clearing system.
Branch Name The name of the branch which defines its actual location. To view the alternate branch name (if applicable) use the Alternate Branch Name menu option.
Branch Title The short version is the official title of each branch. This title, for example, appears in Cheque Books. The Full version is the one that has been extended by Banks. To change between the Full and Short versions use the Full Names menu option.
Location This is an optional field specifying the location of the Branch used in the printed bank directories, it is not applicable to records in the IPSO (Ireland) clearing system where the Branch Name normally relates to it's location.
Owner Bank This is the name and code of the owning bank. These names are approved by APACS. Short and Full versions of the name are available. (See Full Names menu option). For banks in the IPSO (Irish) clearing system there is not a code assigned, so only a name will appear.
Central Bank CHAPS payments can be sent over TARGET to beneficiaries in other countries. Records in the database for these overseas banks containing there BIC codes have these banks counties ISO code and Name in this field.
Supervisory This field contains the Supervisory Body for a bank/agency that is in at least one of the clearings (code and name). It is not applicable to IPSO (Irish) records.
Branch Type This is the code and description of the type of branch selected. This will either be M (for a Main Branch), S (for a Sub or NAB branch), or L for a Linked branch.
Main Branch This is the Sort Code for the main branch in a cluster for branches that are linked in a cluster. Clicking this sort code (if present) will automatically look up that branches sort code for you.
For IPSO (Irish) records this will be set if the branch has been amalgamated with one on another sort code and will indicate the sort code it has been amalgamated with.

Full Names

The 'Full Names' option can be toggled from the 'Edit Menu'. This specifies if the banks full name and branch title is displayed or if the shortened (official) forms are used. Please note that not all banks extend these names, in which case the full and short forms are the same.

Alternate Branch Name

Some branches have an alternative branch name to allow entries to appear in two places in the printed directory. Selecting this option from the 'Edit' menu will show that alternative name if one exists (if there is no alternate branch name, the same name is displayed regardless of this setting).

Shortcuts

  • Field-Transfer - To transfer any address field from the Bank Tab to the equivalent field on the Search Tab, where available, simply, click the descriptive label to its left - e.g. to transfer a 'Sort Code' , click the letters of the word 'Sort Code'.

Drag & Drop

You can drag text from the individual fields of the Bank Tab and drop it into other Windows programs - like Microsoft Word.

Hold down one of the [Shift] keys (usually marked with a hollow arrow pointing upwards). Then click and hold down the left mouse button on the field you wish to move (drag) text from - the cursor will turn into a dragging icon. Now move to the program you wish to place the text in (keeping the mouse button down). Finally, release the mouse button to drop the text in the new field.

Address Tab

Using the Address Tab

This tab is used to display the Postal Address and Telephone Number of a Bank in a record found by BankFinder. For branches on the IPSO (Irish) clearing system the fax number is also included. It can be selected by clicking the tab - or use the [Alt]+3 keyboard shortcut.

Please note that in the case of branches on the UK (BACS) clearing system the address given is the address held by BACS for correspondence and clearing processes for this branch. It may not be it's physical address. If you wish to verify the branch location then we would recommend you look at the Branch Name, Title, and Location fields on the Bank Tab (keyboard shortcut [Alt] + 2). For branches on the IPSO (Irish) clearing system the address given is normally the branches physical address.

UK addresses displayed have been cleaned against the Royal Mail Postcode Address File so as to increase the accuracy of the addresses held. Where incorrect postcodes are found these have been corrected, however the original postcode is indexed for searching so you can still look up a bank from an old (incorrect) postcode.

Full Names

The 'Full Names' option can be toggled from the 'Edit Menu'. This specifies if the banks full name is displayed in the Organisation field of the address or if the shortened (official) form is used. Not all banks extend these - in which case the text displayed will be the same regardless of if this item is selected.

Shortcuts

  • Field-Transfer -
    To transfer any address field from the Address Tab to the equivalent field on the Search Tab, where available, simply, click the descriptive label to its left - e.g. to transfer a 'Postcode' , click the letters of the word 'Postcode'.

Drag & Drop

You can drag text from the individual fields of the Address Tab and drop it into other Windows programs - like Microsoft Word.

Hold down one of the [Shift] keys (usually marked with a hollow arrow pointing upwards). Then click and hold down the left mouse button on the field you wish to move (drag) text from - the cursor will turn into a dragging icon. Now move to the program you wish to place the text in (keeping the mouse button down). Finally, release the mouse button to drop the text in the new field.

BACS Tab

Using the BACS (Bankers Automated Clearing Service) Tab - Applies to branches on the UK (BACS) Clearing System Only

This tab is used to display the BACS data for a record found by BankFinder. It can be selected by clicking the tab - or use the [Alt]+4 keyboard shortcut.

The fields displayed on this tab are as follows:

Field Description
Status Indicates if the branch is a BACS Member that accepts BACS payments, a branch of an agency member that accepts BACS payments or if it does not accept BACS payments.
Last Change The date on which BACS data for this record was last amended.
Closed Clearing The date when the status of the branch was set to 'N' (does not accept BACS payments) if applicable.
Redirected From If this Sort Code receives BACS payments originally destined for one or other Sort Codes then this field will display 'Click to list...'. Clicking this text will bring up a list of Sort Codes redirected to this Bank from which you can select to view those Banks records if required.
Redirected To If BACS payments for this Sort Code have been redirected to another branch then this field will show the Sort Code it has been redirected to. You can click this to display the record for that bank.
Handling Bank This is the name and code of the Bank that takes BACS output for this branch.
Stream This is the stream of output within the Handling Bank that will be used for payments to this branch.
Settlement This is the BACS Settlement Bank name and code of the bank that will settle BACS payments for this branch.
Section and Sub These are numeric values required for BACS to perform it's settlement.
Account Numbered When checked this indicates the branch has numbered bank accounts. There are still a few branches without numbered bank accounts for which this will not be checked.
DDI Voucher Required The UK Direct Debit system supports an electronic system (AUDDIS) for originators to lodge Direct Debit instructions with paying banks. There are a few bank branches that cannot accept these instructions electronically, in which case BACS prints paper vouchers and this box will be checked.
Transactions Allowed These check boxes show which transactions the branch can accept. Certain accounts on this Sort Code (e.g. some savings accounts) may not accept these transactions.

Shortcuts

  • Field-Transfer -
  • To transfer any address field from the BACS Tab to the equivalent field on the Search Tab, where available, simply, click the descriptive label to its left - e.g. to transfer a 'Settlement Bank' , click the letters of the word 'Settlement'.

Drag & Drop

You can drag text from the individual fields of the BACS Tab and drop it into other Windows programs - like Microsoft Word.

Hold down one of the [Shift] keys (usually marked with a hollow arrow pointing upwards). Then click and hold down the left mouse button on the field you wish to move (drag) text from - the cursor will turn into a dragging icon. Now move to the program you wish to place the text in (keeping the mouse button down). Finally, release the mouse button to drop the text in the new field.

FPS Tab

Using the FPS (Faster Payments Services) Tab - Applies to branches on the UK (BACS) Clearing System Only

This tab is used to display the FPS data for a record found by BankFinder. FPS is an automated clearing system that enables near real-time (within a few hours) processing of eligible transfers between accounts held at member banks. It can be selected by clicking the tab - or use the [Alt]+5 keyboard shortcut.

The fields displayed on this tab are as follows:

Field Description
Status Indicates if the branch can accept FPS payments and whether or not it is an agency.
Last Change The date on which FPS data for this record was last amended.
Closed Clearing The date when the status of the branch was set to 'N' (does not accept FPS payments) if applicable.
Redirected From If the branch is set as the redirection sort code for one or more bank offices this will be indicated here
Redirected To If output destined for this sortcode has been redirected the sort code to redirect payment too will be displayed here.
Settlement Bank Connection Two digit connectivity code for settlement
Settlement Bank The Bank code of the FPS member that settles the FPS output for this sort code
Handling Bank Connection Two digit connectivity code for handling
Account Numbered Flag Set to Y is bank office has transferrable account numbers. N if it does not.
Agency Type Indicates if the Bank office is a direct agency (D) or an indirect agency (I)

Drag & Drop

You can drag text from the individual fields of the FPS Tab and drop it into other Windows programs - like Microsoft Word.

Hold down one of the [Shift] keys (usually marked with a hollow arrow pointing upwards). Then click and hold down the left mouse button on the field you wish to move (drag) text from - the cursor will turn into a dragging icon. Now move to the program you wish to place the text in (keeping the mouse button down). Finally, release the mouse button to drop the text in the new field.

Other Tab

Using the Other Tab - Applies to branches on the UK (BACS) Clearing System Only

This tab is used to display the CHAPS (Clearing Houses Automated Payment System) and C&CCC (Cheque and Credit Clearing Company) data for a record found by BankFinder. It can be selected by clicking the tab - or use the [Alt]+6 keyboard shortcut.

The Results Tab

The fields displayed on this tab are as follows:

C&CCC

This group of fields relate to C&CCC payments.

Field Description
Status Indicates if the branch is part of Cheque and Credit Clearing and if it is an agency.
Last Change The date on which C&CCC data for this record was last amended.
Settlement The BACS generated bank code of the bank that will settle payments for this branch.
Closed Clearing The date when the status of the branch was set to 'N' (does not accept C&CCC payments) if applicable.
Debit Agency This field specifies the Sort Code where cheque clearing is handled for this branch if it is a Debit agency branch only (Status D).
Return Indicator Indicates the branch to which other banks should return paper to this institution. It is only set for a Sort Code of a Member.
GB/NI Indicator Indicates for C&CCC purposes if the office is in mainland Great Britain (GB) or Northern Ireland (NI).

CHAPS

This group of fields relate to CHAPS sterling payments.

Field Description
Status Indicates if the branch can accept CHAPS Sterling payments and whether or not it is an agency.
Last Change The date on which CHAPS sterling data for this record was last amended.
Closed Clearing The date when the status of the branch was set to 'N' (does not accept CHAPS sterling payments) if applicable.
Settlement The name and code of the Bank that will settle payments for this branch (CHAPS ID).

Shortcuts

  • Field-Transfer - To transfer any address field from the C&CCC Tab to the equivalent field on the Search Tab, where available, simply, click the descriptive label to its left - e.g. to transfer a 'Settlement Bank' , click the letters of the word 'Settlement'.

Drag & Drop

You can drag text from the individual fields of the C&CCC Tab and drop it into other Windows programs - like Microsoft Word.

Hold down one of the [Shift] keys (usually marked with a hollow arrow pointing upwards). Then click and hold down the left mouse button on the field you wish to move (drag) text from - the cursor will turn into a dragging icon. Now move to the program you wish to place the text in (keeping the mouse button down). Finally, release the mouse button to drop the text in the new field.

Label Tab

Using the Label Tab

The Label Tab (shortcut [Alt]+7) is used to display the address elements of the Bank record in the form of an address label - ready to print with a barcode if you wish.

Please note: As Bank Finder does not include property or Delivery Point Suffix (DPS) level data, the barcode contains the postcode only with a default DPS of '9Z'.

You may customise or add details to the label itself before printing. The box above the label address is used for adding an addressee name. You can also drag the address and/or barcode to other Windows programs from this Tab.

Examples of label layouts are provided - use the drop-down combo box to choose a suitable format. You may adjust these, then use the Save button to store your changes - or add your own.

To create a new label layout, simply type a new name in the combo box, and then click the Save button. Tuning the label print to your own printer and labels or envelopes may require a bit of trial-and-error and you may need to adjust the Bar Weight to suit your own printer. Typically, a 600 DPI Laser printer will require a Bar Weight of 9, whilst the Smart Label printer requires a bar weight of 3.

Drag & Drop

The Label Tab is also used to provide a quick way of dragging addresses and barcodes to other Windows programs - like Microsoft Word.

To drag a barcode or address, simply hold down a [Shift] key, then click and hold down the LEFT mouse button on either the barcode or the address box of the Label Tab. A 'dragging' mouse cursor will appear. Keep the mouse button down whilst dragging onto the target program (like Word), then release the mouse button to drop a copy of the barcode or address into that program.

Please note: The barcode is a graphical image and you should ensure that your target program is able to receive and use graphical data, before dragging it there. The Royal Mail barcode is subject to a fairly strict specification of size and layout, but has been tested with Microsoft Word and a suitable printer. You should ensure that your target program and printer is set up to print the barcode to this specification.

Validate Tab

Using the Validate Tab

This tab is used to validate account numbers and debit/credit card numbers and to transcribe non-standard account numbers. It helps eliminate errors in capturing these numbers by checking the format and the checksums that are included in these numbers. You can configure Insert Settings for your application to Insert these details when [F2] if pressed. It can be selected by clicking the tab - or use the [Alt]+8 keyboard shortcut.

You can toggle between validating account and card numbers using the options across the top of this tab.

Account Number Validation

Enter the Sort Code, and then the Account Number and click Validate (or press [Enter]) to check if the number is valid. An additional 'Roll Number' field is present for Building Society credit accounts that may require one. Alternatively you can enter an IBAN (International Bank Account Number) should you have an account number in this form to validate.

Text below the fields will indicate if the account number is valid:

Text Meaning
Account Number Valid This means the Account Number has been correctly validated. Text will also appear to indicate if this account is held at a branch on the UK (BACS) clearing system, Irish (ISPO) clearing system, or both clearing systems. This helps you direct payment to the correct system if you are able to process both but have to treat them differently. Please note that if an account is held at a branch on both clearing systems this only indicates that the branch is a member of both systems and does not necessarily mean that the account can clear through either. The clearing system used should be checked with the account holder.
Invalid Sort Code The Sort Code entered is not in a valid format (It should be in the format XXXXXX, XX-XX-XX, or XX XX XX where X is a digit)
Sort Code Not Recognised The Sort Code does not exist in the BACS database - check it has been entered correctly.
Validation Not Available No validation is available for this sort code, you should therefore check the number carefully and accept it.
Invalid Account Number The Account Number is invalid
Invalid Roll Number The Roll Number entered is invalid
Missing Roll Number Number This account number belongs to a Building Society account also requiring a roll number and none has been entered.

On leaving the Sort Code field the sort code will be looked up for you. You may like to check the expected Branch and Bank Name is displayed in the list to further verify the sort code. For more information about the branch that the account is held with and the types of processing it accepts, select the appropriate branch (if there is more than one on that sort code) and refer to the details shown on the Bank, Address, BACS, FPS and Other tabs. If you need to post something directly to the branch, the Label Tab allows you to print a label for the address where correspondence for that branch should be sent.

On validating the sort code/account number non-standard account numbers will also be transcribed into the format required by BACS for processing and the Sort Code and Account Number fields will be updated to reflect any transcribing that has taken place. The Type Of Account Code field is usually set to zero, but for some account number translations will be a single digit value required for submission to BACS along with the translated account number. The IBAN (International Bank Account Number) will also be supplied.

Example fictitious (but not guaranteed not to exist) account numbers that pass validation:

774814 24782346 308475 37475850 600849 98237438 010090 2384939230 301539 374742

Building Society Accounts

In most cases the Roll Number field can be ignored. However, some Building Society Accounts require an additional item of data along with the account number which is the customers Roll Number. This is entered in Field 10 of a BACS payment and such accounts can be used for credits only. BankFinder will inform you if a Roll Number is required and has not been entered. On validating such a Building Society account the Building Society Name will also be displayed as this sometimes differs from the bank such payments clear through. Note that not all Building Societies require Roll Numbers, for example most Nationwide accounts do not have nor require one.

Important Considerations

Many customers use AFD BankFinder to validate bank address, account and sort code information - for example in relation to Standing Orders and Direct Debit mandates. It is very important that unless you have access to the Irish Payment Services Organisation for clearing your banking transactions, you DO NOT use BankFinder to validate against Irish data!

To switch off Irish data from the AFD BankFinder main window, go to the File menu and select Properties. Then select the 'Data' Tab and select the 'UK Banks Only (BACS Clearing)' option.

Credit Card Number Validation

Enter the Card Number, Expiry Date, and if required the Issue Number (although please note most cards do not have an issue number) and click Validate (or press [Enter]) to check if the number is valid. The card type will be displayed next to the card number and text to the right of the 'Validate' button will indicate the validity of the number:

Text Meaning
Card Number Valid This means the Card Number has been correctly validated. Text to the right of this will indicate the card type.
Invalid Expiry Date The expiry date is not in the expected format (MM/YY)
Card Expired The expiry date has passed - check it has been entered correctly, or use another card
Invalid Card Number The Card Number entered was invalid (incorrect length or checksum) - check it has been entered correctly
Unrecognised Card The number is valid for a card but it could not be fully validated as it is not of any of the recognised types (listed below)
Visa card valid for use in ATM machines only The number is a valid Visa number but the card is only valid for use in ATM machines and not for electronic processing.

The recognised card types are:

  • MasterCard
  • Visa
  • American Express
  • Visa Debit
  • UK Electron
  • Visa Purchasing
  • UK Maestro
  • International Maestro
  • Solo and Maestro
  • JCB
  • Charities Aid Foundation
  • MasterCard Debit

AFD BankFinder will also identify any VISA numbers entered that are valid for use with ATM machines only (and so not for electronic processing), and will inform you if the number is valid but the card type is not recognised.

Please note that the Issue Number cannot be validated. Expiry dates cannot be checked against the card number (new cards are normally issued with the same number but a new expiry date) but BankFinder checks that these are in range and that the card has not expired. You may omit the expiry date if you wish to validate the card number only.

Example fictitious (but not guaranteed not to exist) card numbers that pass validation:

Card Number Card Type
7810748392763826 Card Number Valid - not of a recognised type
4544336382937467 Visa Debit
4844064738293727 UK Electron
4484854728395713 Visa Purchasing
4694782385016585 Visa
4911894869172946 Visa card valid for use in ATM machines only
5462847382937252 Mastercard
5012347683727465 International Maestro
6759824821583765 UK Maestro
3528003748592632 JCB
5899995746342868 International Maestro
8924678216436 not of a recognised type
5641937017473304 Charity Aid Foundation

Drag & Drop

You can drag text from the individual fields of the Validation tab and drop it into other Windows programs - like Microsoft Word.

Hold down one of the [Shift] keys (usually marked with a hollow arrow pointing upwards). Then click and hold down the left mouse button on the field you wish to move (drag) text from - the cursor will turn into a dragging icon. Now move to the program you wish to place the text in (keeping the mouse button down). Finally, release the mouse button to drop the text in the new field.

You can also drag text from other Windows programs - like Microsoft Word - and drop it onto any of the validation fields.

The BankFinder Robot

ROBOT Technology is protected by Patent No GB2369699.

Introducing Robot Technology

AFD BankFinder contains AFD Robot technology (Patent GB 2369699) which will automatically detect the typing of a postcode or sort code in most Windows applications, and insert the elements of the bank record you require.

BankFinder allows you to enable or disable Robot entirely - but you can also choose, separately for each application you use, whether to enable Robot at all - and if so, whether to operate normally or in "Quiet" mode.

In "Normal" mode, when Robot detects that you have typed a postcode or sort code it will show a window, and allow you to choose whether to insert the details for that sort code or postcode into your application

In "Quiet" mode Robot will only prompt you if the postcode or sort code you typed may indicate more than one bank record. Many sort codes and postcodes only have one record associated with them - in which case Quiet mode allows Robot to operate entirely invisibly and automatically. A number of sort codes and postcodes have more than one record - and Robot must ask you which of the possible records to use.

Robot also supports a "Fast Find" mode where it can search for addresses in the same way as the 'Find' field on the main BankFinder window by typing a sequence such as #Natwest, Birmingham# into your application. This also supports validating account numbers, e.g. #773317,25657377#, and card numbers #6439401101618939396#. Alternatively if you are not using quiet mode and type any known postcode (e.g. B26 3JW) into your application you can then use Fast Find direct from the Robot window to find the address you require.

Enabling Robot

When BankFinder is first installed, Robot is enabled. To turn this feature off across all applications, simply de-select the 'Enable BankFinder Robot' option on the General tab from the BankFinder Main Window's File - Properties menu option.

You can also choose if the System Tray Icon is displayed from here.

The Startup options 'Normal', and 'Minimised' and 'Robot Only' allow you to specify how BankFinder starts. If you mainly use the Robot you may wish for BankFinder to be minimised, so you can easily bring it up when required, or to simply have the Robot on it's own running - you can Restore BankFinder from the Robot System Tray icon as needed.

Using Robot

Robot is the simplest way to get a complete address into your application - Start AFD BankFinder, switch to the program you wish to insert the address into and type in a postcode or sort code. Robot will prompt you to check that you really do wish to add the record and, on clicking Insert, inserts the record for you - right back into the application you're using! If the address is not as expected you can enter another postcode or fast find into the 'Find' box and click Lookup to find the right address.

For example:

Your Action If you type normal text If you type a sort code or postcode If you type a sort code or postcode with property information
Robot's Action Robot ignores what you typed - and the text appears just as you typed it. Robot detects the sort code or postcode - and converts it into a bank record - displaying the parts you configure it to. Robot detects the sort code or postcode - and looks it up along with the additional information you specify and converts it into a bank record.
What you would see without Robot: Dear Sir,
Following our meeting
301366 New Street, B2 4JU
What you would see with Robot: Dear Sir,
Following our meeting
301366
Lloyds TSB Bank Plc
PO Box 6000
BIRMINGHAM
B1 1BZ
0121 6235364
401118
HSBC Bank Plc
PO Box 68
BIRMINGHAM
B2 4JU

To use the Fast Find mode simply type a search such as #Natwest, Birmingham# into your application and Robot will operate in the same way as shown above.

When you install AFD BankFinder, settings for the following applications are installed automatically to insert the sort code and address - and you will normally find that Robot works just as you require without any changes or configuration at all:

  • dBase
  • Lotus 1-2-3
  • Lotus AmiPro
  • Lotus Approach
  • Lotus WordPro
  • Microsoft Access
  • Microsoft Excel
  • Microsoft Word
  • Microsoft Works
  • Notepad
  • Paradox
  • Quattro Pro
  • WordPad
  • WordPerfect

There is also a settings file called 'Full' which can be used to insert all Bank fields into a Word Processor.

Robot Settings

Robot is fully configurable and it is easy to modify the way it behaves for an application already supported - or to create new settings for other applications.

The behaviour of Robot is controlled by associating a group of settings with your application. For most common applications Robot will work without any additional configuration. If Robot detects a postcode has been typed into an application that it does not recognise then you will be prompted to teach Robot how to type an example address so that it can learn from you and therefore complete the address automatically in the future.

You can check the 'Don't ask me about this window again' option if you do not want Robot to prompt you about this window when you type a postcode in again - e.g. if you do not wish to use Robot with that window. For more information on the process of teaching Robot how to insert the address see the Show AFD Robot How section of this manual.

Alternatively you can provide settings to tell Robot how the address information is passed to your application (e.g. order of fields, keystrokes to send between fields). For full details of this, please refer to the Tell AFD Robot How section of this manual.

For more advanced configuration, please also see the Insert and Robot Advanced Setup section.

System Tray Icon

By default BankFinder displays a System Tray icon for Robot (near the clock at the bottom right of your screen. This indicates if Robot is enabled and gives you quick access to disable the Robot or configure it's options.

  • Toggling Robot On/Off -

    Clicking the icon will toggle Robot On and Off (enable and disable it). You will see a green circle when it is on (as shown above) and this will change to red when it is off.

  • Setting Options -

    By right clicking the icon you will be presented with a small pop-up menu allowing you to enable/disable the Robot, remove the icon from the Sys Tray (see Enabling Robot for how to re-instate the icon from the BankFinder main screen), or Restore/Hide the main form is you wish to toggle between using the Robot alone. You can also gain quick access to the properties and settings for Robot which are described above.

Transferring Bank Details

Transferring Bank Details to Other Programs

BankFinder offers a choice of powerful ways to transfer data easily to almost any Windows program where it will be used:

Robot

This is the simplest way to transfer an address to your program, as you simply type a Sort Code or postcode into almost any Windows application, Robot does the rest. See Using The Robot for more details.

Clipboard

One of the most basic ways to transfer data is to use the Windows Clipboard.

BankFinder fully supports the standard Copy (shortcut Ctrl+C or Ctrl+Insert) and Paste (shortcut Ctrl+V or Shift+Insert) methods for Copying selected text to other applications.

Drag & Drop

The Label Tab provides a quick way of dragging addresses and barcodes to other Windows programs - like Microsoft Word.

To drag a barcode or address, simply hold down a [Shift] key, then click and hold down the LEFT mouse button on either the barcode or the address box of the Label Tab. Keep the mouse button down whilst dragging onto the target program (like Word), then release the mouse button to drop a copy of the barcode or address into that program.

Please note: The Barcode is a graphical image and you should ensure that your target program is able to receive and use graphical data, before dragging it there. The Royal Mail barcode is subject to a fairly strict specification of size and layout. You should ensure that your target program is set up to print the barcode to this specification.

Insert

BankFinder can pass address information to almost any Windows programs by simulating the typing of keystrokes into that program. You have full control over the order in which fields are typed into your program, and BankFinder includes a very powerful keystroke 'macro' language which enables BankFinder to control everything that happens during Insert - including the precise position of where each field will be typed.

A special Insert menu is provided to carry out the insert process, and when BankFinder starts up, it examines all the other programs currently running, and provides an entry in this menu for each one, along with a menu hot key 1-9 and A-Z.

If your application was started after BankFinder was loaded, it will be necessary to refresh the Insert menu by selecting Insert Refresh (shortcut key [F5]). Note that it would be unhelpful to type addresses into some types of Windows programs (eg Windows Explorer!) - and BankFinder tries to ignore many of these.

To Insert an address, first select it from the Results List, then choose the target program from the Insert menu - and the address will be typed in according to the current BankFinder settings.

Use the Edit menu "Editable Results" option if you wish to be able to change data other than adding property and organisation on the Results Tab before inserting it into other applications. This menu setting is stored with the current settings file. If "Editable Results" is not checked, you cannot enter a new search request in the Results Tab. In this case if you type in any of the Results Tab boxes you will be returned to the appropriate box on the Search Tab.

Once you have carried out the first Insert, BankFinder remembers your target program, and makes a new entry at the top of the Insert menu - with a shortcut key [F2]. This means that future addresses can be inserted into this program simply by selecting an address, then pressing [F2].

For even faster Insert of addresses, once the first Insert has been completed, simply double-click an address in the Results List.

The behaviour of BankFinder during Insert is controlled by settings for each application. Please see the section below that describes how to use the Wizard to configure Insert for your application.

Insert and Robot Settings Wizard

When BankFinder is first installed, it should Insert into most common programs - like Word or Excel - correctly. BankFinder has a very powerful keystroke 'macro' language, which can be made to control your target program, and the precise position of where the data will be typed.

To configure an application to work with BankFinder, select the 'Insert / Robot Setup' option from the File menu.

Insert Properties

  • Show AFD Robot How -

    This is the simplest mode to configure AFD BankFinder to work with your application. Simply ensure your application is ready to accept the address and then click the 'Show AFD Robot How' button. You will then be prompted to type a sample address into your application and AFD Robot will learn from you to ensure that this is the last time you have to manually type an address into your application.

  • Tell AFD Robot How -

    This mode will guide you through step-by-step to get your application working, you select your application and tell AFD BankFinder the keystrokes needed to move between fields and the fields that you wish to Insert.

  • Advanced Setup -

    Should you have more advanced requirements, you can fully configure all the settings yourself using the Advanced Setup option - you may well find it easiest to teach or tell AFD BankFinder how to insert the address first and then use Advanced Setup to modify the settings if required.

Show AFD Robot How

When you select this option you will be presented with a fictitious address which you should type into your application exactly as it is shown.

Please note that you should use the keyboard wherever possible to move between fields as this is the most reliable. If you wish to ensure that Robot moves to the first field for you then you should use any shortcut to move to that field before typing the first field. Robot will also record any mouse clicks you use, so if you are unable to use the keyboard to move to a field and your application does not have a scrollable window you can use the mouse if needed. You should click the 'Done' button as soon as you have completed entering the address to ensure that keystrokes unrelated to the address are not picked up. If you do not wish to use a field, e.g. county, then simply don't type it. If you make a mistake, clear out the address in your application and click the 'Start Again' button to start again.

Customising Fields

Should you wish to customise the field list, e.g. to add the Mailsort code field, then simply click the 'Customise Field List' button you will then be presented with the following dialog to select the fields to transfer:

Each of the BankFinder fields are split into the categories listed under 'Available Fields'. Fields can be mixed and matched between categories. Refer to the Bank Tab, Address Tab, BACS Tab, FPS Tab, Other and Validate Tabs for a description of each field as displayed on those tabs and available for insert in each category. The Country Indicator field available under the Bank Tab is an additional single character field for processes that need to check if a record is for the UK (will contain 'U') or Irish (will contain 'I') clearing systems.

You can easily transfer fields to and from the 'Fields To Use' list by using the arrow buttons between the two lists. These are used as follows:

  • Include all fields
  • Include the selected field(s) (from the 'Available Fields' List)
  • Remove the selected field(s) (from the In Use List)
  • Exclude all fields

To change the order that fields are inserted into your application, simply select a field and use the up and down arrows to the right of the 'Fields To Use' fields list to move the selected field up or down the list. Repeat this until you have positioned all fields in the order that you wish them to be inserted.

Completing the Process

Once you have typed the address and clicked the Done button, you will be presented with the following final options to complete the setup:

Robot needs to know what to do in the case that an address has gaps missing, e.g. an address which does not have a locality present. In most cases you will leave this as the default 'Leave blank lines' setting. However, in some cases you may wish to remove the blank lines, by moving the each address field up to fill the gaps, e.g. with a Word Processor. You might alternatively wish to only remove blank lines between a range of fields such as the Street down to the Town, but you have a fixed Postcode field so you always want that to remain in the same place.

Once you are happy with this you can click the Finish button and your setting will be saved and you can now use Insert and Robot with your application. Simply type a sortcode into your application to see it work! If the result isn't as expected you can re-run the Wizard to set it up again.

Tell AFD Robot How

Once you select to 'Tell AFD Robot How', you can use the Back and Next buttons on each screen to go through the setup process.

The steps of the wizard are as follows:

Step 1: Your Application

Here you select the window title of your application. This is used by BankFinder to identify the application so that both Insert and Robot can use these settings when asked to insert into your application. The window title is the text that appears in the main blue window title bar of your application. This text should always be in the window title, and so should not necessarily be the complete title. For example, you might find Word has a title bar of 'Document 1 - Microsoft Word', however when you save your file it could, for example, change to 'MyDoc.doc - Microsoft Word'. Therefore by setting the Application Window Title to 'Microsoft Word' you will ensure that BankFinder can always recognise your application. If your application is running when you run the Wizard you should find your application title is listed in the drop down list box provided. BankFinder will attempt to remove known document titles leaving only the application name, however if it has not you should alter the title yourself.

The options provided below allow you to specify a name for your application if desired. Normally you can leave the first option to 'Use the application window title above to identify these settings' as the Application Window Title will be the name of the application. However in some cases the windows title text might be obscure so you might prefer to choose to enter a more friendly application name. This name doesn't affect the Insert or Robot process itself, however it might be useful to specify a name for the application so that you will easily recognise it should you need to manually alter settings with the advanced setup.

Step 2: Application Options

From this screen you can configure a number of different options for your application:

The options given are as follows:

Your application is most like a...

This enables the Wizard to work out the most likely set of options for your application, making the subsequent steps of the wizard easier. You simply take the application type that most closely matches your application. If none of these are that close, then just take the one which seems closest, as you can always customise the setup anyway to match your application. The application categories supplied are as follows:

  • Wordprocessor / Envelope Label: This is an application like Microsoft Word or WordPerfect, were the data is entered down the page with each address line (e.g. Street, Locality, Town, etc.) on a new line. Or any application you are using to print a label for an envelope or the address portion of an envelope itself. The data is transferred down the label with each field on a new line.
  • Database / Form Entry: This refers to an application like Microsoft Access where fields in a table or form are used to enter the data. Or any application with separate boxes were you would enter each bank field. TAB is used to move between the fields..
  • Spreadsheet: This is an application like Microsoft Excel or Lotus 1-2-3, were the data is entered in columns for each address field and TAB is used to move between the fields.
Keystrokes to move between each field or line in your application

This setting specifies the keystrokes to be used to move between fields in your application. The default will be dependant on the type of application you selected as being most like the one you are setting up now. In most cases this won't need to be changed.

To change or enter keystrokes in either text box you can make use of the BankFinder powerful keyboard Macro language. Simply click the button labelled '...' to the right of the appropriate text box to be presented with an easy to use dialogue for specifying the keystrokes:

Clicking on any item in the list of possible keystrokes will add the selected item to the keystrokes to use text box. You can also type any normal keyboard key, for example letters, numbers in that box yourself. When you have entered the relevant keystroke's you can press OK to update the text field in the Wizard.

If you need to press a key with the Alt, Ctrl or Shift keys also pressed down you can check the boxes for this in the Wizard dialog, or alternatively you can select the symbols for this from the end of the keystrokes list on the keystrokes dialogue to apply them to the following keystroke.

To specify repeating keys, use the form {key number}. You must put a space between key and number. For example, {LEFT 4} means press the Left Arrow key 4 times; {TAB 3} means press the Tab key 3 times.

If you need more complex settings, such as different keystrokes between different fields, this can be altered from the Advanced Setup once you have completed the Wizard.

Use with Robot

This specifies if your application is going to be used with Robot or not. Regardless of this setting, your settings will work with Insert, which is where you lookup the bank in BankFinder, select it and then select the application from the Insert menu to insert the address (or press F2 to insert into the last used application again). Robot functionality allows you to type the sort code or postcode directly into your application and then insert bank details without having to use BankFinder directly first. This option is enabled by default, if you have no need for Robot functionality or if you are entering postcodes in your application and not wanting Robot triggered when you do so then you can opt not to use Robot with your application.

Use with Robot Fast Find

This specifies if your application is going to to be used with Robot Fast Find or not. Robot Fast Find enables you to enter bank details to be looked up directly from your application when you do not have the sort code or postcode. It also enables you to carry out account and card validation. For example typing #Natwest, Birmingham# into your application will give you all the branches of Natwest in Birmingham to choose from. You can then choose the correct one and insert it into your application. You can also lookup a sort code this way, e.g. #301366#, which could be useful should you need to enter sort codes or postcodes without looking them up sometimes so the normal robot functionality is not suitable for you. In that case you can say no to 'Use with Robot' but yes to 'Use with Robot Fast Find' - that way Robot would only be triggered when you enter the sort code, postcode, or other search surrounded by the # symbol. To use the Robot Fast Find for validation simply enter the card number surrounded by the # symbol, e.g. #643901101618939396# or the sort code and account number comma separated. e.g. #773317,25657377#.

Use without prompting where possible

Normally when you type a Sort code or Postcode in your application, Robot will prompt you before inserting the details back into your application. However, if you would prefer Robot to do this automatically wherever possible, you can select this option and you will only be prompted if there is more than one possible branch for the sort code or postcode you enter.

How many fields or lines are there for address entry?

This specifies how many fields (boxes) or lines there are for entry into your application. If you are inserting into a Wordprocessor, an envelope label, or other free text application you should leave this as unlimited unless the address has to fit into a certain number of fields. If you have enough fields to cover all lines of the address that you will be inserting, then again it can be left as unlimited. Should you have a limited number of lines for address entry, for example because you are inserting into an existing application or database that you can't modify to fit the address, then specifying this will enable BankFinder to ensure the details fit into the number of fields that your application has.

Step 3: Fields To Transfer

On this screen you can specify the fields that you wish to be inserted into your application when you use Insert or Robot. You can add and remove any fields you require and if you have specified that you have less fields then you have mapped BankFinder will attempt to fit them all in.

Field Categories

Each of the BankFinder fields are split into the categories listed under 'Available Fields'. Fields can be mixed and matched between categories. Refer to the Bank Tab, Address Tab, BACS Tab, FPS Tab, Other Tab and Validate Tabs for a description of each field as displayed on those tabs and available for insert in each category. The fields in each category are as follows:

Bank:

  • Status
  • Sort Code
  • Sub Branch Suffix
  • Bank BIC
  • Branch BIC
  • Branch Name
  • Branch Title
  • Location
  • Owner Bank
  • Central Bank
  • Supervisory Body
  • Branch Type
  • Main Branch Sort Code
  • Country Indicator - This is an additional single character field for processes that need to check if a record is for the UK (will contain 'U') or Irish (will contain 'I') clearing systems.

Address

  • Organisation
  • Property
  • Street
  • Locality
  • Town
  • County
  • Postcode
  • Phone
  • Phone2
  • Fax

BACS

  • Status
  • Last Change Date
  • Settlement Bank
  • Date Closed Clearing
  • Settlement Bank Section
  • Settlement Bank Sub-Section
  • Redirected From
  • Redirected To
  • Handling Bank
  • Handling Bank Stream
  • Account Numbered Flag
  • DDI Voucher Flag
  • Direct Debits Allowed
  • Bank Giro Credits Allowed
  • Building Society Credits Allowed
  • Dividend Interest Payments Allowed
  • Direct Debit Instructions Allowed
  • Claims for Unpaid Cheques Allowed

FPS

  • Status
  • Last Change Date
  • Closed Clearing
  • Redirected From
  • Redirected To
  • Settlement Bank
  • Settlement Bank Connection
  • Handling Bank
  • Handling Bank Connection
  • Agency Type
  • Agency Type Code
  • Account Numbered
  • CHAPS

Status

  • Last Change Date
  • Settlement Bank
  • Date Closed Clearing
  • C&CCC

Status

  • Last Change Date
  • Settlement Bank
  • Date Closed Clearing
  • Debit Agency
  • Return Indicator
  • Validate

Sort Code

  • Account Number
  • Card Type
  • Credit Card Number
  • Expiry Date
  • Issue Number
  • Validation Result
  • Type Of Account
  • Roll Number
  • IBAN
Transferring fields to/from the 'Fields To Use' List

You can easily transfer fields to and from the 'Fields To Use' list by using the arrow buttons between the two lists. These are used as follows:

  • Include all fields
  • Include the selected field(s) (from the 'Available Fields' List)
  • Remove the selected field(s) (from the In Use List)
  • Exclude all fields Changing the Order that Fields are Inserted To change the order that fields are inserted into your application, simply select a field and use the up and down arrows to the right of the 'Fields To Use' fields list to move the selected field up or down the list. Repeat this until you have positioned all fields in the order that you wish them to be inserted.
Completing the Wizard

After the fields to transfer stage you will be informed that you have completed the setup of the application and BankFinder is ready to store your settings for your application. Clicking on the Finish button will save your settings and you can now start to use BankFinder with your application using Insert (select your application from the Insert menu once you have located the address to insert in BankFinder), or Robot (type the postcode directly into your application).

Should you wish to review any of your settings before saving them, use the Back button to navigate back through the previous Wizard screens.

If you need to modify the settings for your application, or you find it doesn't quite work as you require it to, then simply select 'Insert / Robot Settings' from the File menu again, but this time select 'Advanced Setup' to modify your settings. Full details of the Advanced Setup is given in the section below.

Insert and Robot Advanced Setup

For speed of setup, it is recommended that the Insert and Robot Wizard is used first to configure an application for use with the Insert and Robot features of BankFinder. If you need to change anything with your settings or you have more advanced requirements, either due to how you wish the address to be inserted or because of the way the application is laid out, you can then use the Advanced Setup to modify your settings accordingly and use more advanced features that the Wizard may not include. You can also setup an application for scratch if desired using the Advanced Setup.

To configure an application to work with BankFinder using the Advanced Setup elect the 'Insert / Robot Setup' option from the File menu. Then on the first Wizard screen select the 'Advanced Setup' button. The Advanced Settings screen will then appear:

Selecting your Application

The first thing to do is to select the application settings that you wish to modify. At the top left of this screen the 'Application' drop-down lists all the application settings present. You can use this to select the application you wish to modify. If you wish to add a New application without using the Wizard you can use the 'New' button to do this. The 'Remove' button can be used to delete a setting if required. If you do select the New button the following dialogue will appear:

Here you select the window title of your application. This is used by Postcode Plus to identify the application so that both Insert and Robot can use these settings when asked to insert into your application. The window title is the text that appears in the main blue window title bar of your application. This text should always be in the window title, and so should not necessarily be the complete title. For example, you might find Word has a title bar of 'Document 1 - Microsoft Word', however when you save your file it could, for example, change to 'MyDoc.doc - Microsoft Word'. Therefore by setting the Application Window Title to 'Microsoft Word' you will ensure that Postcode Plus can always recognise your application. If your application is running when you press the New button you should find your application title is listed in the drop down list box provided. Postcode Plus will attempt to remove known document titles leaving only the application name, however if it has not you should alter the title yourself.

The options provided below allow you to specify a name for your application if desired. Normally you can leave the first option to 'Use the application window title above to identify these settings' as the Application Window Title will be the name of the application. However in some cases the windows title text might be obscure so you might prefer to choose to enter a more friendly application name. This name doesn't affect the Insert or Robot process itself, however it might be useful to specify a name for the application so that you will easily recognise it when altering the application settings.

The last item allows you to select existing settings to use as a starting point. You can choose not to use any (select, '(None)', the first item from the drop down list), but it is usually easier to use something as a starting point rather than starting from a blank set of settings. You should therefore use one from the most similar application listed.

Changing Field Mappings

Field Mappings are shown in the light yellow boxes under the heading 'Fields'. You can drag and drop fields from the 'Postcode Plus Fields' list on the right to this list. Items can also be dragged off the list back to the 'Postcode Plus Fields' list if you wish to remove them. Multiple Postcode fields can be dragged to a single Field in your application if required.

Above the Postcode Plus Field's List you will see there are options to display Standard or Special fields. This option changes the list displayed below. You can mix and match these fields by adding fields from either one to the 'Fields To Use' list. The standard fields are the normal Postcode Plus fields including the current County option. The special fields are more advanced fields including the raw PAF style dependant thoroughfare and thoroughfare fields (this is the street split into two fields if there are two street names in the address), etc., the rest of the county field types, and the outcode and incode portions of the postcode (the part before and after the space respectively). These are useful for applications that store addresses in such formats.

Before and After Keystrokes/Mouse Clicks

To the left and right of each field respectively, you can specify the keystrokes that are required before and/or after the Field has been entered into the application. If a keyboard shortcut or keystroke is not available to move a particular field, you can also configure AFD BankFinder to use a mouse click instead as long as the window is not scrollable - e.g. a website where the position to click might vary. Prior to the first field you may wish to enter any Before keystrokes or a mouse click that is needed to take you to the first field in the application to start inserting from,. This is especially useful if the application may not be in the correct field when Insert is used or if the postcode is not going to be entered in the first address field with Robot.

The keystrokes are specified using our fully flexible macro language. To easily select keystrokes to use for this, click the '...' button next to the Before or After field you are entering keystrokes for. The following dialog will then be displayed:

Clicking on any item in the list of possible keystrokes will add the selected item to the keystrokes to use text box. You can also type any normal keyboard key, for example letters, numbers in that box yourself. When you have entered the relevant keystroke's you can press OK to update the text field on the Advanced Setup screen.

If you need to press a key with the Alt, Ctrl or Shift keys also pressed down you can select the symbols for this from the end of the keystrokes list on the keystrokes dialogue to apply them to the keystroke following the symbol.

To specify repeating keys, use the form {key number}. You must put a space between key and number. For example, {LEFT 4} means press the Left Arrow key 4 times; {TAB 3} means press the Tab key 3 times.

Should you need to use a mouse click instead, simply select the 'Mouse Click' option:

From here you can click the 'Set A New Position' button and then click in the field in your application that you wish to move to and AFD BankFinder will record this for you. It is advisable to click in the middle of the field rather then near the edge.

Specifying Upper Case Fields

For most address fields (but not for data expected always in capital letters - like Postcodes), BankFinder will attempt to provide properly capitalised fields.

If you prefer for one or more fields to be inserted only in Capital Letters, check the Case check box to the right of the After keystrokes box for the field(s) that you wish to Insert that field in upper case. A Royal Mail approved address prints the Town field in this format - though many typists prefer not to use this format when typing letters.

Line Squeeze

The 'Line Squeeze' option at the top of the dialogue applies to all fields mapped. If this option is enabled, BankFinder will not insert any blank lines in the address (i.e. not even the Before or After keystrokes will be used). This is useful for inserting the address for things such as labels where blank lines aren't desirable. For formatted address entry, e.g. into a database, it is better not to use this functionality as address consistency can be more important.

Should you wish to squeeze groups of fields, for example you have a fixed Town and BankFinder field but you wish to squeeze together the fields above that, then you can check the 'Squeeze' option to the left of the yellow field mappings text field for the consecutive fields that you wish to squeeze together. However many fields are mapped in the space to the right of those in the Squeeze group will be inserted into the number of fields that have Squeeze checked.

Additional Options

More advanced settings to allow complete flexibility over the way Insert and Robot work which you may require can be found by pressing the 'Additional Options' button at the top right of the Advanced Setup screen. This will present you with the following dialogue:

Window Titles Associated with this Application

Normally only a single window title will be associated with an Application. This is the one you specified when you added the application using the Wizard or the New button on the Advanced Setup screen. In some cases however, such as that shown above which is the WP setting used for multiple word processors, you may wish to have multiple window titles associated with a single application setting. These can be added by using the 'Add' button from this screen. The Edit and Remove buttons also allow you to Edit and Remove window titles as required.

Settings for the Selected Window Title

These settings allow you to specify options for each window title associated with this application. Where there is only one window title these are the application settings, however when multiple titles exist such as that shown above, you can specify differing settings for each title if desired. The settings given here are as follows:

  • Use with Robot -

    This specifies if your application is going to be used with Robot or not. Regardless of this setting, your settings will work with Insert, which is where you lookup the bank in BankFinder, select it and then select the application from the Insert menu to insert the address (or press F2 to insert into the last used application again). Robot functionality allows you to type the sort code or postcode directly into your application and then insert bank details without having to use BankFinder directly first. This option is enabled by default, if you have no need for Robot functionality or if you are entering postcodes in your application and not wanting Robot triggered when you do so then you can opt not to use Robot with your application.

  • Use with Robot Fast Find -

    This specifies if your application is going to to be used with Robot Fast Find or not. Robot Fast Find enables you to enter bank details to be looked up directly from your application when you do not have the sort code or postcode. It also enables you to carry out account and card validation. For example typing #Natwest, Birmingham# into your application will give you all the branches of Natwest in Birmingham to choose from. You can then choose the correct one and insert it into your application. You can also lookup a sort code this way, e.g. #301366#, which could be useful should you need to enter sort codes or postcodes without looking them up sometimes so the normal robot functionality is not suitable for you. In that case you can say no to 'Use with Robot' but yes to 'Use with Robot Fast Find' - that way Robot would only be triggered when you enter the sort code, postcode, or other search surrounded by the # symbol. To use the Robot Fast Find for validation simply enter the card number surrounded by the # symbol, e.g. #643901101618939396# or the sort code and account number comma separated. e.g. #773317,25657377#.

  • Use Robot without prompting where possible

    Normally when you type a Sort code or Postcode in your application, Robot will prompt you before inserting the details back into your application. However, if you would prefer Robot to do this automatically wherever possible, you can select this option and you will only be prompted if there is more than one possible branch for the sort code or postcode you enter.

  • Display Fast Find Success

    When this option is enabled BankFinder will display on-screen notification for all Fast Find operations regardless of if they were successful or not. Normally when Fast Find fails no notification is given.

Settings for the Selected Application

These settings cover the whole application, regardless of if multiple window titles are selected. They are advanced options that you may wish to use to customise the way BankFinder inserts data into your application. The settings given here are as follows:

  • Split Fields at Commas for this application -

    This option is useful with fields that have been squeezed. It will separate fields which have comma's in them (e.g. a dependant street like 'Newhall Court, George Street') onto two separate lines. You may prefer this for labels or for entry into your application. We don't generally recommend this feature as it means your address will not be in such a consistent format (for example the second street in one address could be in the same place as a locality in another).

  • Use separate settings for Insert and Robot -

    If enabled this option will separate the settings for Insert and Robot for this application. Normally the settings that BankFinder will use for both Insert and Robot are the same for the same application. However if you need to have differing settings for each one you can do this, simply by selecting this option. When you click OK and go back to the Advanced Setup screen you will then see an option at the bottom left of that screen to switch between the settings for Insert and Robot for the application. They will default to being the same but as you make changes to one it will not affect the other.

  • Enable Field Length Limits -

    This option is designed for applications with small field lengths. It allows you to specify the maximum length of each field you wish to Insert. If the field exceeds this length then Postcode will automatically use the most common abbreviations to try and reduce it's length to minimise truncation of the field. When you enable this option and click OK to go back to the Advanced Setup screen you will see a Length box has been added to specify this length for each field. A value of 0 means the field will be unlimited in length, otherwise you can specify the number of characters that the field can take.

Default Application Settings

These settings do not affect the application settings currently being modified, but tell BankFinder what to use if no settings has been specified for a particular application that is used, they are also the settings used for determining display options in BankFinder itself where needed. You can select the Default settings from the drop-down here. You can also specify if these settings will be used as the default for Inserting, if this is not enabled then BankFinder will not Insert into any application that does not have settings specified for it. The setting to use the default when using Robot Fast Find also allows Robot Fast Find to be used with any application by using these default settings.

Application Programming Interface (API)

Full access to all the data within BankFinder is available to programmers through the API. This means that for developers - and even for users of programs like Microsoft Access, etc, bank lookups can be entirely automatic and invisible.

Using the API will require programming ability - but AFD supply fully working examples (with free source code showing how this can be done) in a variety of popular programming languages - like Microsoft Access, Visual Basic, Delphi and C/C++.

For more details, see the section on the BankFinder API

Other Features

On Top

If you prefer BankFinder to float 'On Top' of other Windows programs - even when you are not working directly in BankFinder, select the View menu On Top option (shortcut key [Ctrl]+T). BankFinder will display a check-mark next to this option whilst it is in use.

Hot Key

BankFinder allows a shortcut key to be used to quickly access the BankFinder application. To configure or view the currently assigned Hotkey setting, select the File menu Properties option. ([Crtl]+R)

Enabling the Hotkey allows BankFinder to be activated on pressing the configured Hotkey even if it is not already running.

Care should be taken in ensuring the Hotkey is assigned to a key combination that will not conflict with shortcut keys used by other applications (for example [Ctrl]+P is often used as a shortcut to print so if you assign [Ctrl]+P then you won't be able to use that shortcut key to print from applications).

Please note: WinKey refers to the Windows Key on your keyboard.

With printable characters, simply press the key in the 'Key' box to use that key with BankFinder, for non-printable characters such as F1, Insert, Print Screen etc. enter the code in curly brackets as shown in the following table:

Backspace {BS}
Enter/Return {ENTER}
Page Up {PGUP}
Page Down {PGDN}
Home {HOME}
End {END}
Left Arrow {LEFT}
Right Arrow {RIGHT}
Up Arrow {UP}
Down Arrow {DOWN}
F# (Function Keys) {F#}
Insert {INSERT}
Left Menu Key {LMENU}
Right Menu Key {RMENU}

The Hotkey is fully configurable and can be configured to be used with any keyboard key.

Please note: Some have been omitted because they would cause problems with Windows.

However any key on any keyboard can be used, email support@afd.co.uk, or phone the AFD Support Team (01624 811712) if you need help setting up the Hotkey.

Data Selection

BankFinder contains data for both the UK (BACS) and Irish (IPSO) clearing systems. On installation you will have been asked if you required data from both, or just one of the systems. This choice would largely depend on which system or systems you were able to accept payments through. For example if you are processing direct debits in the UK, IPSO records would likely be irrelevant to you and you would not want to validate an Irish account for that so you would select only to have records from the UK system. If you need to check or change this option (for example if you later gain the ability to process Irish accounts as well) then you can do this from the Data Tab of the Properties screen. Select the File menu Properties option to bring this up ([Crtl]+R) and then click the 'Data' Tab.

Many customers use AFD BankFinder to validate bank address, account and sort code information - for example in relation to Standing Orders and Direct Debit mandates. It is very important that unless you have access to the Irish Payment Services Organisation for clearing your banking transactions, you DO NOT use BankFinder to validate against Irish data!

Export

BankFinder can export address data ready for use in word-processors for mail-merge or for import into spreadsheets and databases.

Select the File menu Export option (shortcut key [Ctrl]+E), and choose a suitable file name. Export files are stored as 'Quoted Comma Separated ASCII' text files - which can be easily read by most word-processors, spreadsheets and database programs.

Exporting Addresses

The following Export options are available:

  • Append Records if File Exists -

    This feature allows records to be built up from several searches and written to the same file. If it is not checked then any existing file of the same name is overwritten with this export.

  • Remove Blank Address Lines -

    This feature is similar to BankFinder's Insert Settings Line Squeeze option - in that it will remove blank lines from addresses as they are stored. This will be useful for creating export files to be used in word-processors, but would not be required if your file is to be imported into a database - where the position of the address fields would be important.

  • Export All or Selected Records -

    Choose whether all the records in the Results List or just the records you have manually selected from the Results List should be exported.

To select records from the Results List manually, use the [Ctrl] key plus the left mouse button to choose multiple records from the list.

Programming BankFinder

The AFD Common API (Application Programming Interface)

AFD Products come with a fully functional easy to use Common API which enabled developers to integrate our products into most environments. The DLL's required to access our data through the API ships as standard with all our products. A full SDK kit, which includes full documentation, example generation, and code to integrate into your own application is available for free download from our website.

Using our Common API you can develop for one of our address management products (e.g. Names & Numbers) and the same application will also function with our Postcode and Postcode Plus products.

For further information regarding our API, please visit www.afd.co.uk/support/

Appendices

Appendix A: Command Line Options

The following entries can be added as part of the 'Target' or 'Command Line' when launching BankFinder, allowing you to specify your preferences for a particular use of the program:

/Lookup=517032 Looks up '517032' immediately after loading
/Settings=WP Specifies the Settings File to be loaded is 'WP'
/Splash=No Suppresses the display of the Splash Screen when loading
/Tab=1 Sets Tab 1 (the Search Tab) to be displayed after loading

These commands can be executed from the Start Menu, Run by typing something similar to the text below into the the Run box. . .

c:\afdbank\afdbank.exe  /Lookup 401101 /Settings=WP  /Splash=No  /Tab=1

Appendix B: Keyboard Shortcuts

Shortcut Key Function
[Alt] + [F4] Close BankFinder
[Esc] Cancel Lookup, List or Search
[F1] Help
[F2] Insert current bank record into target application
[F5] Refresh Insert Menu
[Alt] + 1 Switch to Search Tab
[Alt] + 2 Switch to Bank Tab
[Alt] + 3 Switch to Address Tab
[Alt] + 4 Switch to BACS Tab
[Alt] + 5 Switch to FPS Tab
[Alt] + 6 Switch to Other Tab
[Alt] + 7 Switch to Label Tab
[Alt] + 8 Switch to Validate Tab
[Alt] + A Validate Account Number
[Alt] + B Switch Barcode on/off
[Alt] + C Clear Results List
[Alt] + D Jump to Find Box
[Alt] + E Activate Edit menu
[Alt] + F Activate File menu
[Alt] + H Activate Help menu
[Alt] + I Activate Insert menu
[Alt] + L Lookup the text entered in the 'Find' box
[Alt] + N Move to Credit Card Validation Entry
[Alt] + R Print single mailing label
[Alt] + S Search using the address data entered on the 'Search' tab
[Alt] + T Validate Debit/Credit Card Number
[Alt] + V Activate View menu
[Ctrl] + [Insert] Copy current field to Clipboard
[Shift] + [Insert] Paste current Clipboard contents to field
[Ctrl] + R View or Alter Properties
[Ctrl] + T Switch 'On Top' mode on/off
[Ctrl] + X View Examples List
Shortcut Key Function
BACS Tab [Alt] + 4
Bank Tab [Alt] + 2
Barcode: switch on/off [Alt] + B
Cancel Lookup, List, or Search [Esc]
Clear Results List [Alt] + C
Close BankFinder [Alt] + [F4]
Credit Card Validation Entry [Alt] + N
Edit menu [Alt] + E
Examples List [Ctrl] + X
File menu [Alt] + F
Find Box - jump to [Alt] + D
FPS Tab [Alt] + 5
Help [F1]
Help menu [Alt] + H
Insert current bank record into target application [F2]
Insert menu [Alt] + I
Label Tab [Alt] + 7
Lookup using current Findbox contents [Alt] + L
On Top Mode: switch on/off [Ctrl] + T
Other Tab [Alt] + 6
Paste current Clipboard contents to field [Shift] + [Insert]
Print mailing label [Alt] + R
Properties - view or alter [Ctrl] + R
Refresh Insert menu [F5]
Search Tab [Alt] + 1
Validate Account Number [Alt] + A
Validate Debit/Credit Card Number [Alt] + T
Validate Tab [Alt] + 8
View menu [Alt] + V

Appendix C: End User Licence Agreement

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LICENSE AGREEMENT

IMPORTANT! This agreement, together with the documents referred to in it, sets out the terms and conditions (the “Agreement”) which govern your use of the Product as defined below. It constitutes the entire agreement between the parties and supersedes all prior verbal and written discussion, agreements, understandings, representations, conditions and all other communications between the parties in relation to this matter.

Please read the Agreement carefully before entering the Site or subscribing to or making use of the Product. You may wish to retain this Agreement for your future reference.

The Product is not sold; it is licensed. The Product is and remains the property of AFD Software Ltd (“the Company”) or other third parties and is protected by copyright laws and international copyright treaties.

By in any way installing, copying or otherwise using the Product or any part thereof, you agree to be bound by the terms of this Agreement. If you do not agree to the terms of this Agreement, do not install or otherwise and in any way use the Product or any part thereof but return it to your supplier within fifteen (15) days for a full refund.

  1. DEFINITIONS

    • In this Agreement the following words and expressions shall have the following meanings:

    • “Annual License Renewal” means the latest version of the Product or any part of it;

    • “Annual License Renewal Fee” means the annual license renewal fee (if any) payable by you pursuant to clause 3.1 as published by the Company in respect to the Product from time to time;

    • “Authorised User” shall mean any individual who is employed or engaged under contract as part of your staff, whether on a temporary, permanent, or visiting basis and whom you wish to authorise to have access to the Product or any part thereof;

    • “Bureau Services” shall mean all services operated by the Licensee in respect of the processing of information or data which is owned or controlled by another person, company, organisation or body, including (without limitation) companies in the same group as the Licensee or any other associated organisation.

    • “Computer” means any computer, terminal or workstation owned or used by you;

    • “Effective Date” means the date of commencement of this License as printed on the License Certificate;

    • “First Year Data License Fee” means the data license fee (if any) payable by you pursuant to clause 3.1 as published by the Company in respect to the Product from time to time;

    • “Initial License Period” means the period of twelve months from the Effective Date or such other period as may be notified by the Company to you in the License Certificate or Appendix to this Agreement or otherwise;

    • “Insolvency” means in respect a Licensee the presentation of a petition for winding-up, bankruptcy, or administration or the convening of a meeting for the purpose of considering the same, the convening by the Licensee of a meeting of its creditors, or the appointment of a trustee, receiver, administrative receiver or similar officer in respect of all or any part of the business and assets of the Licensee;

    • “Intellectual Property” means the text, graphics, images and other material, and the organisation thereof and trademarks, software, copyrights, patents, trade secrets, processes and methods, know-how and other intellectual property rights embodied in or incorporated in the Product, and any tangible copies and expressions thereof;

    • “License” means the license granted to you pursuant to this Agreement and the License Certificate;

    • “License Certificate” means the certificate sent or to be sent by the Company to you granting a license to you to use the Product in accordance with this Agreement and references in this Agreement to the “Agreement ” shall include the License Certificate;

    • “Licensed Computers” means the number of Computers on which the Product may be accessed pursuant to this Agreement as set out in the License Certificate;

    • “License Period” means the Initial License Period and thereafter whilst this Agreement is continuing;

    • “Monthly Fee” means the fee payable by you pursuant to clause 3.3 as published by the Company in respect to the Product from time to time;

    • “Network” means any electronic communication between two or more computer terminals linked together through computer software and/or telecommunication satellite cable or broadcasting services or through any other medium now known or hereinafter invented;

    • “Person” means any person, firm, company, institution, organisation or other legal entity throughout the world;

    • “Product” means the product(s) Licensed by the Company pursuant to this Agreement as set out on the License Certificate(s) and shall include all computer software, the data supplied with it, any associated media, electronic documentation and printed materials and if applicable any Site;

    • “Product Update” means an updated version of the Product or any part of it;

    • “Program License Fee” means the fee (if any) payable by you pursuant to clause 3.1 as published by the Company in respect to the Product from time to time;

    • “Site” means any website supporting the Product;

    • “you” or “your” means the Licensee under this Agreement as stated on the License Certificate.

  2. GRANT OF LICENSE

    2.1 The Company hereby grants to you the non-exclusive right for the License Period to install one copy of the Product on the Licensed Computers only on the terms and subject to the conditions set out in this Agreement and (if the License Certificate so states) the Royal Mail Terms which (if applicable) may be obtained from or viewed at the website address given on the License Certificate. The Product may not be accessed and used or shared between or in any way accessed and used from, either on or off Network, any Computers, other than the Licensed Computers irrespective of whether such access or use is concurrent.

    2.2 If you intend to install, use or access the Product on or from more than the number of Licensed Computers or to share the Product between or in any way access it from, either on or off Network, more than the Licensed Computers then separate License Agreement(s) relating to the number of such other Computers intended to carry the Product or any part thereof must first be entered into with the Company.

    2.3 The Company shall be entitled to sell or grant Licenses of the Product or any part thereof to any Person and nothing herein contained shall prevent the Company from compiling contributing to, publishing, marketing or licensing any other product in any way similar to the Product.

    2.4 You shall have the right to load and store the Product on the Licensed Computers only and subject to the provisions of this Agreement to give access from the Licensed Computers to the Product only to Authorised Users.

  3. LICENSE FEES

    3.1 In consideration of the License granted to you under this Agreement you shall, pay to the Company on receipt of the invoice in respect thereto the Program License Fee, the First Year Data License Fee and on each Annual License Renewal the Annual License Renewal Fee(s) in each case at the Company’s prevailing price for such fees in respect of the Product from time to time.

    3.2 If elected by you prior to the commencement of this Agreement instead of the payments set out in clause 3.1 above you may in consideration of the License granted to you under this Agreement pay the Monthly Fee to the Company and you shall sign and effect a Direct Debit/Standing Order in such form as the Company may require for the amounts payable by you in respect of the Monthly Fee from time to time.

    3.3 All fees (save for the Monthly Fee, which is stated inclusive of Value Added Tax) payable pursuant to this Agreement are stated by the Company exclusive of Value Added Tax which, if payable, shall be paid by you on presentation of an appropriate VAT invoice.

    3.4 If you default in making payment of any sum payable by you pursuant to this Agreement then the Company shall be entitled (without prejudice to any other right or remedy it may have) to charge you interest on the outstanding sums at the rate of 2% per annum above Barclays Bank Plc’s base rate in force from time to time from the date the payment became due until actual payment is made (irrespective of whether the date of payment is before or after any judgement or award is made).

    3.5 If you default in making payment of any sum payable by you pursuant to this Agreement then the Company shall also be entitled to deny you access to The Product until outstanding fees have been paid in full, and shall not be responsible for any loss or damage you may suffer in consequence. It is expressly agreed that you will continue to remain bound by all the obligations of this Agreement during the period that access to The Product is so denied, including notice periods, annual License Renewals and further fees payable.

    3.6 The Company may increase any fees payable pursuant to this Agreement at any time after having provided you with three calendar months notice thereof prior to any such increase.

  4. YOUR OBLIGATIONS

    You shall not:

    • (i) transfer the Product from the Computer it was originally installed on or load it on to any other Computer without having made a prior written request of the Company for permission to do so which permission may be refused in the Company’s absolute discretion;

    • (ii) reverse engineer, decompile or disassemble the Product in any way;

    • (iii) separate the component parts of the Product for use on more than one Computer;

    • (iv) retain or make any copies of the Product other than the Product as provided to you by the Company pursuant to the terms of this Agreement and for a copy to be used for back-up purposes only;

    • (v) extract Postcode Address File Data or AFD Data from the Product other than as part of the bona fide address management task you undertake or unless the prior consent of the Company has been obtained in writing display the Product on the internet or elsewhere or make it available to anyone other than an Authorised User;

    • (vi) without prejudice to the generality of the foregoing, do anything with the Product which is in breach of or otherwise inconsistent with the moral rights of the Company;

    • (vii) post or transmit through the Product or the Site any material which violates or infringes in any way upon the rights of others, which is unlawful, threatening, abusive, defamatory, invasive of privacy or publicity rights, vulgar, obscene, profane or otherwise objectionable, which encourages conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any law, or which, without the Company’s express prior approval, contains advertising or any solicitation with respect to products or Products; or take any action which the Company in its absolute discretion considers will restrict or inhibits any other Person from using or enjoying the Product.

  5. PRODUCT UPDATES, RENEWALS AND SUPPORT

    5.1 If you have not elected to pay the Monthly Fee the Company shall provide you with quarterly Product Updates for the duration of this Agreement only at your specific request and at the prevailing cost for such Product Updates. It is an express condition of this Agreement that, if you have not elected to pay the Monthly Fee, you will in any event obtain an Annual License Renewal from the Company no less frequently than once in every calendar year whilst this Agreement is continuing (or such other frequency as may be notified to you by the Company in the License Certificate or otherwise) at the prevailing price for such Annual License Renewal at the time of such purchase.

    5.2 If you have elected to pay the Monthly Fee you will be sent Product Updates as and when available.

    5.3 Any Product support requested by you will be provided free of charge during normal working hours of 9am-5pm Monday - Friday (excluding holidays) by either Internet Electronic Mail (e-mail), World Wide Web (www) publications and documentation or telephone. Any further or subsequent Product support is chargeable at a fee agreed by you and the Company from time to time.

    5.4 Any supplemental software provided by the Company to you as part of or in the course of despatching and providing Product support or in providing Product Updates or Annual License Renewals shall be provided to you at one address only (being the address set out in the License Certificate) and shall be considered part of the Product and the installation or use thereof will be subject to the terms and conditions of this Agreement.

  6. ACCESS TO THE PRODUCT

    6.1 This clause 6 shall apply where access to the Product and any Site is by means of HTML requests across the internet.

    6.2 If you have not received a serial number and password from the Company after subscribing to the Product, you may not use the Site. You agree that you will not at any time disclose, transfer or permit any other person to use your serial number and password. You are responsible for taking all reasonable steps to ensure that no unauthorised person shall have access to your serial number and password. It is your sole responsibility to:

    (i) control the dissemination and use of serial number and password;

    (ii) authorise, monitor and control access to and use of your account and serial number and password; and

    (iii) promptly notify the Company of any need to reset or deactivate your serial number and password.

    The Company reserves the right to freeze or terminate accounts that do not conform to these requirements.

  7. DURATION OF AGREEMENT

    7.1 This Agreement shall commence on the Effective Date and shall remain in effect for the Initial License Period and thereafter unless terminated in accordance with this Agreement. In the event this Agreement is not renewed this Agreement shall terminate at the end of the Initial License Period or the relevant anniversary of it.

    7.2 At the end of the Initial License Period and at each anniversary of the Effective Date this Agreement shall automatically renew for 12 months unless you shall previously have given written notice, to the Company at least one month but not more than three months prior to the expiration of the Initial License Period or each subsequent anniversary of the Effective Date of your intention not to renew the Agreement.

    7.3 The Company shall have the right to immediately terminate this Agreement in the event of any conduct by you which the Company, in its sole discretion, considers to be unacceptable, or pursuant to clause 8 below or in the event of your breach of this Agreement or your Insolvency.

    7.4 In the event this Agreement shall terminate for any reason whatsoever you shall return the Product to the Company and you shall also delete or cause to be deleted the Product from any and all computer-readable versions and shall provide the Company with a certificate attesting to such deletion.

  8. DISCONTINUATION OF PRODUCT

    8.1 The Company shall have the right at any time, without notice, to change, suspend, discontinue, withhold or refuse access to any aspect or feature of the Product or the Site, including, but not limited to, content, hours of availability and equipment and software needed for access or use. The Company may also impose limits on certain features and Products or restrict your access to parts or the entire Product or Site without notice or liability on its part.

    8.2 The Company reserves the right at any time to withdraw the Product or any part thereof or terminate this Agreement if the Company ceases, for whatever reason, or no longer retains the right to License the Product or any part thereof, or if, in the Company’s sole discretion and on reasonable grounds believes that the Product or any part thereof contains any material which infringes copyright or is defamatory, obscene, unlawful, or otherwise objectionable. The Company will in event of such withdrawal give written notice to you and you shall, on receipt of such notice, immediately comply with any of the Company’s reasonable instructions with respect to such withdrawn Product.

    8.3 Should the Company permanently or for a continuous period of seven days or more withdraw the Product or the Site or terminate this Agreement pursuant to clauses 8.1 or 8.2, a refund of any of the fees paid pursuant to this Agreement will be refunded pro rata to you.

    8.4 The Company may at its sole discretion at any time and without warning withdraw from you or withhold the Product to you or terminate this Agreement if your activities are considered by the Company in its absolute discretion to be inappropriate or unlawful.

  9. MARKETING

    The Company may wish to identify you in its marketing materials as a subscriber or licensee of the Product. Your use of the Product indicates our permission for the Company to use your personal data in this manner unless you notify the Company otherwise, in writing, within five business days of the date of the License Certificate.

  10. VARIATION OF TERMS OF AGREEMENT AND INFORMATION

    The Company shall have the right at any time to change or modify the terms of this Agreement and the terms and conditions applicable to your use of the Product, or any part thereof, or to impose new conditions, including, but not limited to, changing fees and charges for use. Such changes, modifications, additions or deletions shall be effective immediately upon the Company giving notice thereof (save where otherwise specifically provided in this Agreement), which may be given by means including, but not limited to, posting on the Site, or by electronic or conventional mail, or by any other means by which you obtain notice thereof. Your continued use of the Product or the Site after such notice shall be deemed to constitute acceptance of such changes, modifications or additions.

  11. PRIVACY POLICY AND PUBLIC COMMUNICATIONS

    You acknowledge and agree that any communications made to or by means of any portion of the Site are public. You acknowledge that:

    • (i) you have no expectation of privacy in any communication; and

    • (ii) no confidential, fiduciary, contractually implied or other relationship is created between you and the Company by reason of your transmitting a communication to any area of the Site or through the Product.

  12. INTELLECTUAL PROPERTY AND OWNERSHIP

    12.1 The Product is the property of the Company or the subject of a license to the Company and is protected by copyright and other intellectual property laws. It is expressly understood and agreed that all of the Intellectual Property is and will continue to be the exclusive property of the Company and/or its suppliers and/or its associated companies or entities. By using the Product and accessing the Intellectual Property, you agree that you will not take any action inconsistent with the Company’s or its suppliers’ or associated companies or entities’ ownership rights and that you will abide by the copyright law and all other applicable international laws in general and the laws of England in specific with respect to such Intellectual Property. Details of the copyright to which the Product is subject is set out on the License Certificate.

    12.2 You shall take all necessary measures to safeguard the Intellectual Property and proprietary rights of the Company and its suppliers and associated companies and entities in the Product and without prejudice to the generality of the foregoing shall ensure that:

    • (i) each and every part of the Product used by you or any Authorised User in accordance with the License shall be clearly identified as being an extract of the Product;

    • (ii) you will keep the License Certificate confidential and divulge it only to Authorised Users;

    • (iii) you use your best efforts to ensure that Authorised Users abide by the terms and conditions of this Agreement and in particular but without limitation do not reproduce, redistribute, retransmit, publish or republish or otherwise commercially or in any other way exploit the Product save only as permitted under the terms of this Agreement;

    • (iv) you monitor compliance by each Authorised User with the terms of this Agreement and immediately on becoming aware of any unauthorised use by an Authorised User of the Product or any part thereof or other breach of this Agreement take all reasonable steps both to ensure that such Authorised User ceases such activity and to prevent any recurrence of it including where necessary by terminating that Authorised User’s access to the Product or any part thereof;

    • (v) you use your best efforts to ensure that only Authorised Users are permitted access to and use of the Product;

    • (vi) you maintain all copyright notices relating to the Product on all copies of or on any part of the Product held under your control; and

    • (vii) comply with all applicable law as it relates to the use or access of the Product.

    12.3 Unless expressly agreed by the Company you shall not:

    • (i) alter, modify, delete, conceal, obscure, remove or otherwise tamper with the trade marks, trade names, numbers, copyright or other proprietary legends or designations of origin or other means of identification notices or disclaimers used on or in relation to the Product from time to time;

    • (ii) do, or authorise any Authorised User or other Person to do any act which would or might invalidate or be inconsistent with any Intellectual Property of the Company in the Product and shall not omit or authorise any third party to omit or do any act which by its omission would have that effect or character.

  13. USE OF CONTENT, COPYRIGHT AND LICENSE TO DOWNLOAD MATERIAL

    The Company owns the copyright or has had Licensed to it all Intellectual Property, and unauthorised copying of any Intellectual Property is prohibited. Subject to this Agreement, the Company grants to you, whilst your subscription to the Product subsists, a limited License to download the Product, data files, installation software, example and instruction pages and web building templates for the sole purpose of enabling you to make use of the Product in accordance with this Agreement and where applicable have access to the Site. No other licensing rights are granted.

  14. WARRANTIES

    14.1 The Company warrants that it has the right to license the rights granted to you under this Agreement and that the Product will perform substantially in accordance with the description of the Product provided to you for a period of 90 days from the date of receipt of the Product by you. No other warranties are given by the Company.

    14.2 The Company’s (and its agents, employees, suppliers’ and/or any other third party associated with or in the employ of the Company) total liability under this Agreement, if any, will be limited to the equivalent of one month’s fees paid up by you for the Product.

    14.3 The warranties set out in this clause 14 are in lieu of all warranties, conditions, terms, undertakings, and obligations implied by statute, common law, custom, trade usage, course of dealing, or otherwise, all of which are hereby excluded to the fullest extent permitted by law.

  15. CUSTOMER ACKNOWLEDGEMENTS

    YOU EXPRESSLY AGREE THAT:

    • (i) use of the Product and the Site is at your sole risk. The Company does not warrant that Product or the Site will be uninterrupted or error free;

    • (ii) although the Company has attempted to provide accurate information on the Product or Site to you, the Company does not assume any responsibility for, or make any representation with respect to the accuracy or completeness of such information. You acknowledge that You are relying on your own judgement and skill to determine the suitability of the Product and its License or Site and its License for Your purposes and do not rely on any advice or recommendation that the Company may have provided to you;

    • (iii) the Product or Site is provided “AS IS,” and the Company expressly disclaims any implied or expressed warranties or conditions of any kind (except for the warranty provided in clause 14 above), including warranties of merchantability, fitness for a particular purpose or non-infringement of intellectual property relating to such Product;

    • (iv) you specifically acknowledge that the Company is and will not be liable for any defamatory, offensive or illegal conduct by you or other third party as it relates to the Site and the Product;

    • (v) the Company and its associated companies and entities, suppliers and agents shall not be liable for any infection by any virus or damage to any computer that results from the use, access to the Product or the Site or downloads of any Intellectual Property therefrom;

    • (vi) the Company shall not be liable or responsible for any loss or damage caused in whole or in part by the occurrence of any contingency beyond the control of the Company, including but not limited to fires, civil unrest, riots, rebellions, accidents, explosions, interruptions or imperfections in telephone cables or computer systems, network or internet disruptions, electrical disturbances, power failures, satellite malfunctions or interruptions, floods, storms or any similar act or act of God;

    • (vii) in no event shall the Company its associated companies and entities, suppliers or agents be liable for any damages whatsoever, including (without limitation, special, indirect, consequential or accidental damages, including, without limitation, damages resulting from the use or reliance on the information presented, loss of profits or revenues or cost of replacement of goods save as provided in clause 14 above;

    • (viii) compliance with data protection laws applying in any jurisdiction where the Product is used by you or otherwise applying to you shall be your sole responsibility and you hereby warrant to the Company that you have and will comply with all such data protection laws in connection with your use of the Product;

    • (ix) you will provide the Company with all information reasonably requested by it within 7 days of a request by the Company requesting such information and on request provide facilities to the Company during business hours to inspect at your premises any records, documents and Computers in each case for the purpose only of ensuring your compliance with the terms of this Agreement;

    • (x) the Royal Mail Terms shall form part of this Agreement if it is stated in the License Certificate to so apply; and

    • (xi) the License shall be governed by this Agreement which shall apply irrespective of whether you have provided in any order or otherwise for any other terms and conditions to apply to this License, such other terms and conditions being of no effect;

    • (xii) you hereby appoint the Company to act as your exclusive agent in the extraction, preparation, indexing, compression and delivery of all Data to be used within the Product or Site.

  16. SEVERABILITY

    If any part of this Agreement is determined by any competent authority to be invalid, unlawful or unenforceable to any extent, it shall to that extent be severed from the remainder of the Agreement, which shall continue to be valid and enforceable.

  17. INDEMNIFICATION

    You agree to defend, indemnify and hold harmless the Company, its associated companies and entities, its suppliers and their respective officers, and agents and/or any other third party associated with or in the employ of the Company or such other Person from and against all claims and expenses, including legal fees, arising out of your use of the Product and the Site or any use made of your account with the Company.

  18. TRANSFER

    You may only transfer, assign sub-License or otherwise deal with the License granted under this Agreement if you have obtained the Company’s express written consent which may be refused in the absolute discretion of the Company. The Company may transfer or assign this agreement in its absolute discretion.

  19. APPLICABLE LAWS

    19.1 The terms of this Agreement are governed by English Law.

    19.2 You agree to the exclusive jurisdiction of the English courts in relation to any dispute, which may arise under this Agreement.

  20. CONFIDENTIALITY

    You shall during the term of this Agreement and thereafter keep and procure that your employees, contractors and agents keep secret and confidential all business, technical and commercial information concerning the Company and the Products that you have received or obtained as a result of the entering into of this Agreement save for information which is trivial or obvious or which enters into the public domain other than as a result of a breach of this clause.

  21. ADDITIONAL PROVISIONS APPLICABLE TO NAMES & NUMBERS AND TRACEMASTER PRODUCTS

    21.1 It is a further condition of this Agreement that you agree that:

    • (i) it is your responsibility to contact the Mailing Preference Service (MPS), the Telephone Preference Service (TPS) and the Corporate Telephone Preference Service (CTPS) (which are updated approximately every 28 days) to check and eliminate any records obtained from the Product before using such records for marketing, research or survey purposes;

    • (ii) no records obtained directly from the Product shall be used for marketing, research or survey purposes unless they are records including an Organisation Name, or are shown in The Product to be included in the “Edited Electoral Roll”.

    • (iii) you will follow the following codes of practice when contacting people by telephone using records obtained from the Product:

      • (a) never call a person who has registered with the TPS or an Organisation registered with the CTPS;

      • (b) always identify yourself clearly;

      • (c) never withhold your own Caller Line Identity;

      • (d) never adopt a menacing or annoying manner;

      • (e) remain polite, respectful and never use profanities or bad language;

      • (f) immediately end a call when requested to do so;

      • (g) always respect a request not to be contacted again;

      • (h) never telephone during unsocial hours (i.e never call a private residence before 10a.m (11a.m at weekends or holidays) or after 10p.m.)

    • (iv) never use any telephone numbers from the Product for sending SMS (“Text”) messages as part of any mass-marketing activity.

    21.2 The Mailing Preference Service can be contacted at DMA House, 70 Margaret Street, London, W1W 8SS; telephone 020 7291 3310 or http://www.mpsonline.org.uk and the Telephone Preference Service and Corporate Telephone Preference Service can be contacted at DMA House, 70 Margaret Street, London, W1W 8SS; telephone 020 7291 3320 or http://www.tpsonline.org.uk.

    21.3 In addition to the fees payable pursuant to clause 3 of this Agreement you shall:

    • (i) pay to the Company a Data Extract License Fee of £20 +VAT for each thousand (or part thereof) residential address records extracted from the Product after the first 100,000 residential address records have been extracted within a single license year. For the purpose of this clause a “residential address record” is a record of one person at one delivery point

    • (ii) pay to the Company a Data Extract License Fee of £120 + VAT for each thousand (or part thereof) organisation address records extracted from the Product after the first 10,000 organisation address records have been extracted within a single license year. For the purpose of this clause an “organisation address record” is a record containing data in the ‘organisation’, ‘Sic’ or ‘Classification’ fields at one delivery point.

    • (iii) submit a quarterly return to the Company detailing the records which have been extracted by you in the previous quarter in the format requested by the Company from time to time. The returns shall be submitted to the Company by the 15th April, 15th July, 15th October and 15th January in each year in respect of the 3 month period ending on the last day of the previous month.

    • (iv) Not export more than 50,000 organisation or 500,000 residential address records within a single license year without first seeking and receiving written authorisation from The Company

    21.4 Non-return of quarterly Data Extract Return

    • (i) In the event of non-return of a quarterly Data Extract Return, the Licensee agrees to pay a late return penalty of £250 which shall be invoiced by the Company and payable within 14 days of the invoice date. Should the Licensee continue to fail to observe the terms and conditions of Data Extracts from the Product, the Company may terminate this Agreement forthwith pursuant to clause 7 above, with no refund of any fees paid.

    • (ii) Where the Company has reason to believe that Organisation data extracts have exceeded 10,000 records or that residential data extracts have exceeded 100,000 records it reserves the right to make an estimate of extracted records which have exceeded these amounts and invoice the Licensee according to the provisions in 21.3 i and 21.3 ii.

    21.5 The Product shall not be used in any automated process for extraction or addition of data from the Product into other databases or computer records.

  22. ADDITIONAL PROVISIONS APPLICABLE TO CENSATION CENSUS-BASED AND OTHER NATIONAL STATISTICS DATA

    22.1 Censation contains Census output which is Crown copyright and is reproduced with permission of the controller of HMSO and the Queen’s printer for Scotland

    22.2 The Census output contained in Censation incorporates safeguards against the possible identification of any particular person or household. You shall not use such output to attempt to obtain or derive information relating specifically to an individual or household, nor claim to have obtained or derived such information.

    22.3 You shall not operate any Bureau Services that make use of data or information from Censation.

    22.4 Parliamentary Constituency and other National Statistics data is sourced from National Statistics. Crown copyright material is reproduced with the permission of the Controller of HMSO.

  23. ADDITIONAL PROVISIONS APPLICABLE TO MAP DATA

    23.1 The Map Data supplied with AFD Postcode products is copyright of Collins Bartholomew Ltd

    23.2 All screen images derived or generated from the data should incorporate the following acknowledgements:

    • Digital Map Data © Collins Bartholomew Ltd (year)

    • “year” shall be the year in which The Product was purchased or most recently renewed.

    23.3 Hard copy prints from the map data up to and including A4 size are permitted under the terms of this agreement. Hard copy output for resale or distribution to third parties may not be produced by you without the written permission of Collins Bartholomew. All hard copy output produced from the data should incorporate the following acknowledgements:

    • Digital Map Data © Collins Bartholomew Ltd (year)

    • “year” shall be the year in which The Product was purchased or most recently renewed

  24. ADDITIONAL PROVISIONS APPLICABLE TO BANKFINDER

    24.1 Your right to use the Extended ISCD data provided with BankFinder is limited to use in connection with the UK Bacs scheme, Faster Payments scheme, CHAPS Sterling scheme and Cheque and Credit Clearing scheme.

    24.2 You acknowledge that all property rights including but not limited to Intellectual Property rights in the Sorting Code, Sorting Code Data, and the Extended ISCD, that form a part of BankFinder, are owned by UK Payments.

    24.3 You shall update BankFinder data at least monthly.

    24.4 All property rights in the Irish Bank sort code and validation data supplied with AFD BankFinder are the property of IPSO and/or its member banks, and that title shall not pass to you under any circumstances.

    24.5 You shall not grant any license or otherwise permit any third party to use the Irish Validation Data or the Product.

    24.6 You shall procure that only those employees and information technology contractors who have a need to know are given access to the Irish Validation Data supplied; and so that each such employee and contractor shall be advised that the Irish Validation Data is the property of IPSO and/or the Banks, and further is required to be kept confidential. You shall procure that the Irish Validation Data is kept confidential by such employees and contractors.

    24.7 You shall not reverse engineer, publish or cause to be distributed the modulus rules used in validation.

    24.8 You shall not publish or cause to be distributed a paper directory of Validation Data or Sort Code Data, and whether in competition with IPSO’s publication entitled “Sort Code Book” or otherwise.

  25. ADDITIONAL PROVISIONS APPLICABLE TO GRID REFERENCE DATA

    25.1 The Product contains Ordnance Survey data © Crown copyright and database right 2016.

    25.2 The Product contains Royal Mail data © Royal Mail copyright and database right 2016.

ROYAL MAIL TERMS

Please refer to the Royal Mail Terms.

Appendix D: Re-registration Form

See re-registration form

Appendix E: BACS Bank Codes

APPENDIX E: BACS Bank Codes

Bank Code Full Bank Name Short Bank Name
0001 Bank of England Bank of England
0002 Barclays Bank PLC Barclays Bank PLC
0003 Coutts & Co Coutts
0004 Lloyds Tsb Bank PLC Lloyds Tsb Bank PLC
0005 Hsbc Bank PLC Hsbc Bank PLC
0006 National Westminster Bank PLC Nat West Bank PLC
0007 Industrial Bank of Korea Ind Bk of Korea
0008 Bank of Scotland PLC Bank of Scotland PLC
0009 Clydesdale Bank PLC Clydesdale
0010 The Royal Bank of Scotland PLC Royal Bank of Scot
0011 Santander UK PLC Santander
0012 Halifax Halifax
0013 Nationwide Building Society Nationwide Bldg Scty
0014 Wells Fargo Bank Na Wells Fargo Bank Na
0015 Conister Bank Ltd Conister Bank Ltd
0016 Punjab National Bank (International) Ltd Punjab National Bank
0017 Allied Irish Bank (GB) Aib Gb
0018 Bank of Ireland Bank of Ireland
0021 The Co-Operative Bank PLC Co-Operative Bank
0022 C Hoare & Co C Hoare & Co
0023 Bank of the Philippine Islands (Europe) PLC Bank of Philippines
0024 Clydesdale Bank PLC-Guernsey Branch Clydesdale Bank Intl
0025 Mega International Commercial Bank Co Ltd Mega Intl Comm Bnk
0026 Bank of China (UK) Ltd Bnk of China Uk
0027 Northern Bank Ltd Northern Bank Ltd
0028 Northern Rock PLC Northern Rock
0029 Credit Suisse (UK) Limited Credit Suisse UK Ltd
0031 Yorkshire Bank (A Trading Name of Clydesdale Bank PLC) Yorkshire Bank
0033 Ulster Bank Ltd Ulster Bank Limited
0034 Banif-Banco Internacional Do Funchal Sa Banif-Banco Funchal
0036 Danske Bank A/S Danske Bank
0038 Lloyds Tsb (Gibraltar) Ltd Lloyds Tsb Gib Ltd
0039 Guaranty Trust Bank (UK) Limited Guaranty Trust Bank
0040 Volkswagen Bank Gmbh Volkswagen Bnk Gmbh
0041 Bank of London and the Middle East PLC Bk Lon & Middle East
0042 The Access Bank UK Limited The Access Bk UK Ltd
0043 Bnp Paribas Securities Services Sa Jersey Branch Bnp Pbas Sec Ser Jer
0044 Her Majesty's Revenue and Customs Hmrc
0045 National Savings and Investments Ns&i
0046 Intercontinental Bank (UK) PLC Icb UK PLC
0048 Zenith Bank (UK) Limited Zenith Bnk UK Ltd
0049 China Construction Bank (London) Limited China Cons Bk Ltd
0050 Abn Amro Bank Nv Abn Amro Bank N.V
0051 Bnp Paribas Sa Jersey Branch Bnp Paribas Jersey
0052 Metro Bank PLC Metro Bank
0053 Tesco Bank Tesco Bank
0054 Hsbc Private Bank (Ci) Limited Hsbc Private Bk Ci
0055 Nottingham Building Society Nottingham Bld Soc
0057 Paypal (Europe) Sarl Et Cie Sca Paypal Europe
0059 United Trust Bank Limited United Trust Bk Ltd
0062 Alliance Trust Savings Limited Alliance Trust Ltd
0063 Aps Financial Ltd Aps Financial Ltd
0064 Abn Amro Nv, Jersey Branch Abn Amro Jersey Br
0067 Airdrie Savings Bank Airdrie Savings Bank
0069 Adam & Company PLC Adam & Company
0072 Abbey Nat Int Ltd Abbey National International Ltd
0074 Adam & Company International Ltd Adam & Co Intl Ltd
0075 Arab National Bank Arab National Bank
0077 Investec Bank PLC Ibp
0078 Abc International Bank PLC Abc Int Bank PLC
0080 Allied Bank of Pakistan Ltd Allied Bank Pakistan
0083 Aib Bank (Ci) Limited Aib Bank (Ci) Ltd
0086 Amc Bank Limited Amc Bank Limited
0092 Rbs PLC (Ex Rbs Nv) Rbs PLC (Ex Rbs N.V)
0095 Irish Bank Resolution Corporation Limited Ibrc
0100 Europe Arab Bank PLC Europe Arab Bank PLC
0103 Arbuthnot Latham and Co Ltd Arbuthnot Latham&co
0104 Standard Chartered (Jersey) Ltd Standard Chart (Jer)
0111 Bradford & Bingley PLC Bradford & Bingley
0113 Allied Bank Philippines (UK) PLC Allied Bk Philpnes
0115 Australia & New Zealand Banking Group Ltd A&nz Banking Group
0118 Intesa Sanpaolo Spa Intesa Sanpaolo Spa
0120 Bank Julius Baer & Co Ltd-Guernsey Branch Bk Julius Baer-Guern
0121 Banco Bilbao-Vizcaya Argentaria Sa Bilbadvizcayaargenti
0124 Banco Do Brasil Sa Banco Do Brasil S.A.
0128 Banco De Sabadell Banco De Sabadell
0132 Banco Santander Totta Sa Banco Sant Totta Sa
0133 Bangkok Bank Public Company Limited Bangkok Bank Pcl
0136 Bank Hapoalim Bm Bank Hapoalim B.M.
0137 Bank Leumi (UK) PLC Bank Leumi UK PLC
0140 Banco Comercial Portugues Sa Bco Comercial Portug
0143 Banco Santander Sa Banco Santander Sa
0144 Bank of America Securities Limited Banc of America Secs
0145 Bank of America, Na Bank of America, Na
0148 Bank of Baroda Bank of Baroda
0154 Bank of Ceylon (UK) Limited Bank of Ceylon (UK)
0156 Cimb Bank Berhad Cimb Bk Berhad
0157 Bank of China Limited Bank of China Ltd
0158 Banco Espirito Santo Sa Espiritosanto
0159 Blom Bank France Blom Bank France
0162 J P Morgan Europe Ltd Jp Morgan Europe Ltd
0163 Bank of India Bank of India
0166 Bank of America Na Bankamerica
0172 Bank of Montreal Bank of Montreal
0174 Pt Bank Negara Indonesia (Persero) Tbk Bank Negara
0176 Caixa Geral De Depositos Sa Caixageraldepositos
0180 Butterfield Bank (Guernsey) Limited Butterfield Bk Guern
0187 The Bank of Nova Scotia Novascotia
0190 Bank of Scotland Trading As Birmingham Midshires Bk Scot/Birm M'shire
0193 The Bank of Tokyo-Mitsubishi Ufj, Ltd Bank of Tokyo Mitsub
0194 Bank of Ireland (Iom) Ltd Bank of Ireland(Iom)
0196 Banca March Sa Banca March
0200 Bnp Paribas Wealth Management Bnp Paribas Wealth
0204 Bank of East Asia Ltd Bk of East Asia Ltd
0209 Dexia Bank Belgium Sa Dexia Bank Belgium
0211 Credit Agricole Corporate & Investment Bank Credit Agricole C&i
0213 Northern Trust Guernsey Ltd Barings (Guernsey)
0216 Barclays Private Clients International Limited Barclays Private
0218 Barclays Capital Securities Limited Barclays Capital Sec
0221 Bayerische Landesbank Bayerische Landesbk
0224 Unicredit Bank Ag Unicredit Bank Ag
0226 Hampshire Trust PLC Hampshire Trust PLC
0227 Bank of Beirut (UK) Limited Bank Beirut (UK) Ltd
0228 Deutsche Postbank Ag Deutsche Post Bankag
0234 Bank of Cyprus Uk Bank of Cyprus Uk
0238 Alliance & Leicester International Limited A&l Intl Ltd
0240 Lloyds Tsb Offshore Lloyds Tsb Offshore
0241 Bnp Paribas Bnp Paribas
0250 Brown, Shipley & Co Ltd Brown Shipley
0252 Vanquis Bank Limited Vanquis Bank Limited
0253 Clydebank Municipal Bank Limited Clydebank Municipal
0254 Confederacion Espanola De Cajas De Ahorros C.E.C.A
0255 Byblos Bank Europe Sa Byblos Bank S.A.L
0257 Crown Agents Bank Limited Crown Agents
0259 Canadian Imperial Bank of Commerce Canadian Imperial
0260 Canara Bank Canara Bank
0261 Cibc Bank and Trust Company (Channel Islands) Ltd Cibc Bank + Trust Co
0262 Cater Allen Ltd Cater Allen Ltd
0267 Cater Allen Bank (Jersey) Limited Cater Allen (Jersey)
0271 C & G Channel Islands Ltd C + G Channel Island
0272 Black Horse Limited Black Horse Ltd
0274 Chang Hwa Commercial Bank Ltd Chang Hwa Com Bk Ltd
0275 Bank Mandiri (Europe) Ltd Bk Mandiri (Europe)
0278 Union Bancaire Privee Ubp Un Banc Priveecbitdb
0279 Chesham Building Society Chesham Building Soc
0282 Yorkshire Bs (T/A Chelsea Bs) Chelsea Bs
0286 Jpmorgan Chase Bank, Na Jpmorgan Chase Bk
0288 Citibank Na Citibank Na
0290 Citibank International PLC Citibank Intnl PLC
0293 Citibank (Channel Islands) Ltd Citibank (C.I.) Ltd
0294 Chiba Bank Ltd Chiba Bank Ltd
0297 Close Brothers Limited Close Brothers Ltd
0299 Woori Bank Woori Bank
0300 Bank of Taiwan Bank of Taiwan
0301 Alpha Bank London Ltd Alpha Bank London
0304 Commerzbank Ag Commerzbank A G
0306 Emporiki Bank of Greece Sa Emporiki Bank Greece
0307 Credit Suisse (Gibraltar) Limited Credit Suisse (Gib)
0310 Commonwealth Bank of Australia Comm Bank Australia
0313 Credit Suisse(Guernsey) Ltd Credit Suisse(Guern)
0315 Nationwide Trading As Cheshire Building Society N'Wide Ta Cheshire
0316 The Mortgage Works (UK) PLC Mortgage Works Uk
0317 C & G (Lloydstsb Bank) C&g (Lloydstsb Bank)
0323 Caf Bank Limited Caf Bank Ltd
0328 Cit Bank Ltd Cit Bank Ltd
0330 Rbs One Account Rbs One Account
0332 Coventry Building Society Coventry B/S
0337 Credit Industriel Et Commercial Credit Industriel &C
0338 Islamic Bank of Britain PLC Islamic Bank of Brit
0344 Duncan Lawrie (Iom) Ltd Duncan Lawrie Iom Lt
0346 Unicredit Spa Unicredit S.P.A
0348 Consolidated Credits Banks Ltd Consolidated Credits
0350 Cumberland Building Society Cumberland Blg Soc
0351 Efg Eurobank Ergasias Sa Efg Ebk Ergasias Sa
0353 Marfin Popular Bank Public Co Ltd Marfin Pop Bk Pub Co
0355 Mizuho Corporate Bank Ltd Mizuho Corporate Bk
0356 Cls Bank International Cls Bank
0361 Deutsche Bank Ag Depfa Bank A.G.
0362 Citibank Na Jersey Branch Citibank Na Jersey
0363 Derbyshire Building Society Derbyshire Bldg Soc
0364 Deutsche Bank Ag Deutsche Bank
0366 Dbs Bank Ltd Dbs Bank Ltd
0368 Dz Bank Ag, Deutsche Zentral-Genossenschaftsbank Dz Bank Ag, Dzg Bank
0370 Deutsche Bank International Limited Deutsche Bk Intl Ltd
0371 Godiva Mortgages Limited Godiva Mortgages
0372 Standard Bank PLC Standard Bank PLC
0373 Commerzbank Trading As Dresdner Bank Commerz Ta Dresdner
0374 Virgin Bank Limited Virgin Bank Limited
0375 Nationwide Bs T/A Dunfermline Bs Nationwide T/A Dbs
0376 Darlington Bldg Socy Darlington Bldg Socy
0377 Dunbar Bank PLC Dunbar Bank PLC
0378 Zurich Bank International Limited Zurich Bank Int Ltd
0379 Duncan Lawrie Ltd Duncan Lawrie Ltd
0381 Northern Rock (Asset Management) PLC Nth Rock Asset Man
0382 Jp Morgan International Bank Limited Jp Morgan Int Bank
0384 Barclays Bank PLC T/A Barclaycard Barclays/Barclaycard
0385 Co-Operative Bank T/A Britannia Britannia
0387 Furness Building Society Furness Bld Soc
0393 First Commercial Bank First Commercial Bk
0395 Carapay Limited Carapay
0398 European Bank For Reconstruction & Development Euro Bk For Rec/Dev
0399 Fibi Bank UK PLC Fibi Bank UK Ltd
0401 Fbn Bank UK Ltd Fbn Bank UK Limited
0402 Aib International Savings Limited Aib Intl Savings Ltd
0405 Nationwide International Limited Nationwide Intl Ltd
0410 Ge Money Home Lending Ltd Ge Money Home Lnding
0411 Aib Group (UK) PLC (Trading Name First Trust Bank) First Trust Bank
0412 Ge Capital Bank Limited Ge Capital Bank Ltd
0415 Hsh Nordbank Hsh Nordbank Ag
0417 Fairbairn Private Bank (Iom) Limited Fairbairn Pvt Bk Iom
0420 Anglo-Romanian Bank Ltd Anglo Romanian Bk
0421 Fairbairn Private Bank Limited Fairbairn Pvt B
0434 Fortis Bank Sa/Nv Fortis Bank Sa/Nv
0436 Ghana International Bank PLC Ghana International
0444 Gulf International Bank (UK) Ltd Gulf Intl Bank (UK)
0446 Erste Group Bank Ag Erste Group Bank Ag
0454 Habib Allied International Bank PLC Habib Allied Intl Bk
0455 Gulf International Bank Bsc Gulf Internationalbk
0456 Sg Hambros Bank Limited Sg Hambros Bk Ltd
0458 Hfc Bank Ltd Hfc Bank Ltd
0459 Habib Bank Ag Zurich Habib Bk Ag Zurich
0461 Habibsons Bank Ltd Habibsons Bank Ltd
0463 S G Hambros Bank & Trust Ltd Hambros Bank Limited
0464 Bank of Scotland International Ltd Bank of Scot Int Ltd
0465 Sg Hambros Bank (Gibraltar) Limited Sg Hambros Bk Gib Lt
0466 S G Hambros Bank (Channel Islands) Limited-Guernsey Branch Sg Ham Bk Ci-Guern
0468 Kookmin Bank International Limited Kookmin Bnk Intl Ltd
0469 S G Hambros Bank (Channel Islands) Limited Sg Ham Bkl Ci Ltd
0475 Harrods Bank Ltd Harrods
0476 Havin Bank Limited Havin Bank Ltd
0477 Landesbank Hessen-Thuringen Girozentrale Closed Creditsuisseb
0478 Heritable Bank Limited Heritable Bank Ltd
0486 Julian Hodge Bank Limited Julian Hodge Bk Ltd
0487 Hinckley & Rugby Building Society Hinckley & Rugby B/S
0488 Ing Bank Nv Ing Bank Nv
0493 The Hongkong and Shanghai Banking Corporation Ltd Hongkong Shanghai
0495 London Scottish Bank PLC London Scottish Bank
0497 Hua Nan Commercial Bank Ltd Hua Nan Comm Bnk Ltd
0501 Israel Discount Bank Limited Israel Discount Bank
0502 Banco Popolare Sc Banco Popolare S.C.
0510 Landesbank Baden-Wurttemberg Landes Baden Wurt
0512 Marks and Spencer Financial Services PLC M & S Finserv PLC
0514 The Bank of New York Mellon Bk of Ny Mellon
0515 Isle of Man Bank Limited Isle of Man Bank Ltd
0517 Icici Bank UK PLC Icici Bank UK PLC
0518 Habib European Bank Limited Habib European Bank
0525 Jordan International Bank PLC Jordan Interntl Bk.
0528 Jyske Bank (Gibraltar) Ltd Jyske Bank Gibraltar
0532 Kookmin Bank International Ltd Kookmim Bank Int'L
0536 Korea Development Bank-London Branch Kdb London
0539 Kleinwort Benson (Channel Islands ) Ltd Klein Bens Ci
0544 Dresdner Kleinwort Limited Dresdner Kleinwort
0547 Korea Exchange Bank Korea Exchange Bank
0548 Kbc Bank Nv Kbc Bank N.V.
0549 Kleinwort Benson Private Bank Ltd Klein Benson
0555 Leeds Building Society Leeds B S
0559 Leek United Building Society Leek United B/Soc
0563 Ipswich Building Society Ipswich Building Soc
0564 Lloyds Tsb Bank (Iom) Ltd Lloyds Tsb (Iom) Ltd
0565 Lloyds Tsb Scotland PLC Lloyds Tsb Scotland
0566 Lloyds Tsb Private Banking Ltd Llyd Tsb Prvt Bking
0568 Lloyds Tsb Bank (Jersey) Ltd Lloyds Tsb Jersey Lt
0569 Lloyds Tsb Bank (Guernsey) Ltd Lloyds Tsb Guernsey
0570 Loughborough Building Society Loughborough B S
0583 Sygma Bank Sygma Bank
0584 Jyske Bank A S Jyske Bank A S
0591 Anthos Bank Bv Matlock Bank Ltd
0593 Butterfield Bank UK Limited Leopold Joseph +Sons
0596 Landesbank Berlin Ag Landesbank Berlin Ag
0598 Malayan Banking Berhad Malayan Bkg Berhad
0599 Schroder &Co Limited Schroder &Co Limited
0600 Mashreqbank Psc Mashreq Bank
0603 Marsden Building Society Marsden Building Soc
0605 Mbna Europe Bank Ltd Mbna Europe Bank Ltd
0614 Merrill Lynch International Bank Ltd Merrill Lynch Int
0615 Abn Amro (Guernsey) Limited Abn Amro (Guernsey)
0616 Mercantile Credit Company Limited Mercantile Credit Co
0618 Hsbc Bank International Ltd Hsbc Bank Inter Ltd
0619 Emirates Bank International Pjsc Emirates Bk Int Pjsc
0623 Mitsubishi Ufj Trust & Banking Corporation Mitsubishi Ufj Tr Bk
0631 Hsbc Private Bank (UK) Ltd Hsbc Private Bank
0632 Banca Monte Dei Paschi Di Siena Spa Monte Dei Paschi
0641 Abbey National Treasury Services PLC Abbey Nat Ty Int Ltd
0643 Vtb Capital PLC Vtb Capital PLC
0649 Capital Bank Capital Bank
0650 Shanghai Commercial Bank Ltd Shanghai Comm Bank
0651 Norddeutsche Landesbank Girozentrale Norddeutsche Landesb
0655 National Australia Bank Ltd Nat Australia Bank
0656 National Bank of Abu Dhabi Nat Bank Abu Dhabi
0657 National Bank of Canada Nat Bk of Canada
0659 Pensions Bank Ltd Pensions Bank Ltd
0660 Emirates Nbd Pjsc Emirates Nbd
0663 National Bank of Egypt (UK) Ltd National Bank Egypt
0664 National Bank of Greece Sa Nat Bank of Greece
0666 National Bank of Kuwait (International) PLC National Bank Kuwait
0668 Bank of England Bank of England Rt
0671 Northern Rock PLC Northern Rock PLC
0674 Norwich and Peterborough Building Society Norwich/Pboro B Soc
0675 National Counties Building Society Nat Counties B/S
0678 Newcastle Building Society Newcastle B S
0679 Nedbank Limited Nedbank
0681 Hanley Economic Building Society Hanley Economic Bs
0684 Dnb Bank Asa Dnb Bank Asa
0692 Egg Banking PLC Egg Banking
0695 Philippine National Bank (Europe) PLC Phil Nat Bank
0697 Oversea-Chinese Banking Corporation Ltd Overseas Chinese Bk
0703 Secure Trust Bank PLC Secure Trust
0708 Close Bank Guernsey Limited Close Bk Gsy
0710 Qatar National Bank Saq Qatar National Bank
0711 R Raphael & Sons PLC R Raphael & Sons Ltd
0713 Rabobank International(Cooperative Centrale Raiffeisen Boerenleenbank) Rabobank Internation
0718 Reliance Bank Ltd Reliance Bank
0723 Efg Private Bank Ltd Efg Private Bank Ltd
0726 The Royal Bank of Scotland (Gibraltar) Limited Rbs(Gibraltar) Ltd
0730 Nm Rothschild & Sons Ltd N M Rothschild Sons
0731 Riyad Bank Riyad Bank (London)
0733 Rothschild Bank International Limited Rothschild Bk In Ltd
0737 Standard Bank Isle of Man Ltd Standard Bank (Sbim)
0738 Standard Bank Jersey Limited Standard Jersey
0739 Royal Bank of Canada Europe Ltd Ryl Bk Can(Europe)
0741 Raiffeisen Zentralbank Osterreich Ag Raiffeisen Zentral
0742 The Bank of Tokyo Mitsubishi Ufj Limited Bk Tokyo Mit Ufj Ltd
0744 Samba Financial Group Samba Financial Gp
0749 Scotiabank Europe PLC Scotia Europe
0750 Absa Bank Ltd Absa Bank Ltd
0759 The Royal Bank of Scotland International Ltd Rbs Interntl Ltd
0760 Kaupthing Singer & Friedlander Ltd Kaupthing Singer & F
0762 Royal Bank of Canada Royal Bank of Canada
0764 Shinhan Bank Shinhan Bank
0765 Skandinaviska Enskilda Banken Ab (Publ) Skandinaviska Ens Bk
0767 Skipton Building Society Skipton B/Soc
0769 Sainsbury's Bank PLC Sainsburys Bank
0770 Swansea Building Society Swansea Bldg Socy
0772 Societe Generale Societe Generale
0773 Investec Bank Ci Ltd Investec Bank Ci Ltd
0776 Sonali Bank (UK) Limited Sonali Bank (UK) Ltd
0781 Standard Chartered Bank (Ci) Ltd Standard Chart C I
0782 Standard Chartered Bank Standard Chartered
0787 State Bank of India State Bank of India
0789 State Street Bank and Trust Company State Street Bk & Tr
0791 Stroud & Swindon Building Society Stroud & Swindon
0793 Sumitomo Mitsui Banking Corporation Europe Limited Smbc Europe Ltd
0794 The Sumitomo Trust & Banking Co Ltd Sumitomo Trust + Bk
0795 Svenska Handelsbanken Ab (Publ) T/A Handelsbanken Handelsbanken
0796 Ubs Ag Ubs Ag
0797 Syndicate Bank Syndicate Bank Ltd
0801 Tesco Personal Finance PLC Tesco Personal Fin
0803 T C Ziraat Bankasi As T C Ziraat Bankasi
0808 Triodos Bank Nv Triodosbank Nv
0809 Turkiye Is Bankasi As Turkiye Is Bankasi
0810 Turkish Bank (UK) Ltd Turkish Bank (UK)ltd
0811 British Arab Commercial Bank Ltd Brit Arab Comm Bank
0812 Nordea Bank Finland PLC Nordea Fin
0813 Mizrahi Tefahot Bank Limited Mtb
0814 Ubs Global Asset Management Client Services Ltd Ubs Global Amcs
0816 Kleinwort Benson Bank (Isle of Man) Limited Kleinwort Benson Iom
0825 Union Bank UK PLC Union Bank UK PLC
0827 Ahli United Bank (UK) PLC Ahli United Bank Uk
0828 United National Bank Limited United Nat Bank
0830 Unity Trust Bank PLC Unity Trust Bank PLC
0833 United Overseas Bank Ltd Unt Overseas Bk Ltd
0836 West Bromwich Building Society West Bromwich B/S
0837 Weatherbys Bank Ltd Weatherbys Bank Ltd
0841 The Bank of New York Mellon International Ltd Bk Ny Mellon Int
0843 Barclays Bank PLC Trading As the Woolwich Barclays Ta Woolwich
0844 Wesleyan Bank Limited Wesleyan Bank Ltd
0845 Westlb Ag Westlb Ag
0846 West Lothian Municipal Bank Ltd W.Lothian Muncpal Bk
0849 Shawbrook Bank Limited Shawbrook Bank Ltd
0853 Yorkshire Building Society Yorkshire Build Socy
0856 Westpac Banking Corporation Westpac Bank Corp
0857 Smith & Willamson Investment Management Ltd Smith & Willamson In
0858 Schroders (Ci) Ltd Schroders (Ci) Ltd
0864 Piraeus Bank Sa Piraeus Bank Sa
0881 The Norinchukin Bank The Norinchukin Bank
0882 Progressive Building Society Progressive Bldg Soc
0883 Td Waterhouse Bank Nv Td Waterhouse Bank
0884 Icbc (London) Ltd Icbc (London) Ltd
0885 Shepshed Building Sc Shepshed Building Sc

Appendix F: Central Bank Codes

These are the ISO Country Codes used in the TARGET system. These appear in the Central Bank field on the Bank tab for branches setup for National Central Banks within the CHAPS system.

Country Code
Austria AT
Belgium BE
Denmark DK
Germany DE
Spain ES
Finland FI
France FR
United Kingdom GB
Greece GR
Ireland IE
Italy IT
Luxembourg LU
The Netherlands NL
Portugal PT
Sweden SE
ECB / EMI EU

Appendix G: Royal Mail Terms

ROYAL MAIL TERMS

Please note not all sections may relate to your License.

  1. Definitions and interpretations

    1.1 In this Licence the following terms have the following meanings:

    • address refers to an address to which mail can be delivered

    • Bureau Customer a customer for a Bureau Service

    • Bureau Services a service comprising the Data Cleansing of a Customer Database and the supply of the resulting Cleansed Customer Database back to the relevant customer

    • Customer Database a database of an End User’s customer

    • Data Cleansing the processing of existing data records using PAFⓇ Data:

      • (a) including validating, reformatting, correcting or appending additional data to those records, and

      • (b) including the use of PAFⓇ Data within address capture applications, but

      • (c) not including Data Extraction (whether carried out by an address capture application or otherwise),

      • and Cleansed shall be read accordingly

    • Data Extraction the extraction of PAFⓇ Data or any part of it for the generation of new address records in a new or existing database

    • End User a single legal entity who you or a Licensee may permit to use PAFⓇ Data through its Users in accordance with this Licence

    • Extracted Data data generated as a result of Data Extraction

    • Licensee a person whose use of PAFⓇ Data you authorise further to this Licence, or whose use authorised by such a person by way of a sub-licence granted further to this Licence (whether directly or by way of a chain of sub-licences) but not an End User

    • PAFⓇ Data Royal Mail’s database known as PAFⓇ, and including the database known as the “Alias File”

    • PAFⓇ Licensing Centre Royal Mail’s website at www.poweredbypaf.com/licensing-centre or such other website as Royal Mail may notify further to this Licence

    • Party either Royal Mail or you (and Parties shall be read accordingly)

    • Royal Mail Royal Mail Group Limited, acting by its Address Management Unit

    • Solution a product or service or other solution which benefits from or includes PAFⓇ Data (including the provision of PAFⓇ Data itself), in whatever form, however produced or distributed and whether or not including other functionality, services, software or data

    • Standard PAFⓇ Licence a licence (other than a licence on the terms of this Licence) for the use of PAFⓇ Data on standard terms for specified uses made generally available by Royal Mail on the PAFⓇ Licensing Centre or otherwise

    • Substantially All a database which on its own or as part of another database comprises all or

    • Database substantially all the addresses in the United Kingdom or any of England, Wales, Scotland or Northern Ireland

    • Term the period during which this Licence is in force according to its terms

    • User an individual authorised by an End User to use a Solution

    • Website a website, application or other remotely-enabled means of communicating with end user customers for products and services, made generally available to such customers

    Website Use the use of PAFⓇ Data to capture or verify address details of users of an End User’s Website where:

    • (a) Website users are not the End User’s employees or concerned with the provision of services to the End User (unless acting in a personal capacity), and

    • (b) neither the use of the Website or the End User’s product and service offering is connected with the management of address data or Data Cleansing, and

    • (c) the address capture or verification is carried out for the purpose of the receipt of products or services enabled by the Website

    Working Day Monday to Friday excluding bank and public holidays in England, and Wales

    1.2 In this Licence (unless the context otherwise requires) words following words such as “includes”, “including” and “in particular” are read without limitation, and references to a person are to any natural or legal person whether incorporated or not.

  2. End Users’ permitted use of Solutions

    End Users may freely use PAFⓇ Data in Solutions in accordance with these End User Terms.

  3. Conditions of use

    • (a) End Users must not make copies of PAFⓇ Data except as permitted by these End User Terms or reasonably necessary for back-up, security, business continuity and system testing purposes.

    • (b) End Users may use PAFⓇ Data for Data Extraction but Extracted Data:

      • (i) may only be accessed by Users, and

      • (ii) must not be supplied or any access to it provided to any third party.

    • (c) End Users may provide Cleansed data to third parties provided that:

      • (i) where that supply is a Bureau Service, the End User and the Bureau Customers comply with the restrictions in Schedule 4, and

      • (ii) if such databases are Substantially All Databases:

        • (A) such databases are not represented or held out as a master, original or comprehensive address database or other similar description,

        • (B) the access is provided in the course of the End User’s normal data supply or routine business activities and is not carried on as a business in its own right, and

        • (C) the provision includes a prominent notice that the relevant Cleansed data has been cleansed against PAFⓇ Data.

    • (d) End Users must not permit access to, display or communicate to the public any Solutions, except for the purposes of capturing or confirming address details of third parties.

    • (e) Except as set out in these End User Terms, End Users must not:

      • (i) transfer, assign, sell or licence Solutions or their use to any other person,

      • (ii) use Solutions to create a product or service distributed or sold to any third party which relies on any use of PAFⓇ Data, including copying, looking up or enquiring, publishing, searching, analysing, modifying and reformatting, or

      • (iii) copy, reproduce, extract, reutilise or publish Solutions or any of them.

  4. Subcontracting

    End Users may provide PAFⓇ Data to their subcontractors who may use it to the extent necessary for:

    • (a) the provision of information technology services to the End User, or

    • (b) acting on behalf of the End User

    in each case for the End User’s own business purposes and not those of the sub-contractor and provided that each such sub-contractor agrees to observe the restrictions on use of PAFⓇ Data contained in these End User Terms and that the End User is responsible for any breaches of those terms by such sub-contractor.

  5. Personal rights

    End User rights are personal, limited and non-transferable.

  6. Royal Mail’s IPR notice

The End User acknowledges that Royal Mail is the owner of the intellectual property rights in PAFⓇ Data and the PAFⓇ brand and it does not acquire and is not granted any rights to use those intellectual property rights other than as set out in these End User Terms.

  1. Cessation of use of PAFⓇ Data

    End Users must cease use of PAFⓇ Data if their right to use PAFⓇ Data is terminated and also destroy any copies of PAFⓇ Data they hold.

  2. PAFⓇ use by Users

    End Users must ensure that:

    • (a) these End User Terms bind their Users,

    • (b) only their Users exercise the use rights of Solutions and PAFⓇ Data granted to End Users further to these End User Terms, and

    • (c) in the event of termination or expiry of End Users’ rights to use Solutions and PAFⓇ Data, the rights of Users to use them also terminate.