Central Bank of Jordan

Returned Cheques Unit Circulars

No. (55/2011)

Issued in accordance with the provisions of paragraph (b) of Article (9) of the Banks Law No. (28) of 2000 and its amendments, and the provisions of paragraph (a) of Article (45) of the Central Bank of Jordan Law No. (23) of 1971 and its amendments.

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Article (1):

These circulars are named "Returned Cheques Unit Circulars" and their provisions apply to all banks, and they are obliged to implement them as of 30/10/2011.

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Article (2): Definitions:

The words and phrases appearing in these circulars shall have the meanings specified below unless the context indicates otherwise:

• The Law: The Banks Law in force and its amendments.
• Bank: The company licensed to conduct banking business in accordance with the provisions of the Banks Law, including a foreign bank branch licensed to operate in the Kingdom.
• Returned Cheque: Any cheque drawn on any bank that is not honored due to insufficient or no funds, whether in Jordanian Dinar or foreign currencies.
• The Unit: The Returned Cheques Unit at the Central Bank of Jordan, established to implement and apply these circulars.
• Customer: The person(s) who has/have an account with the bank and request(s) to obtain a cheque book.

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Article (3):

Subject to the provisions of Article (4) of these circulars:

a. The provisions of these circulars apply to all returned cheques, whether these cheques are presented through electronic clearing or at the bank counter.

b. The provisions of these circulars apply to all bank customers, including natural persons, as well as associations registered in accordance with the provisions of the Associations Law No. (51) of 2008 and its amendments, and cooperative societies registered in accordance with the provisions of the Cooperation Law No. (18) of 1997.

c. The provisions of these circulars apply to joint account/consortium account holders collectively, as follows: Settlement/Correction and deletion for each of them independently.

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Article (4):

The following are not subject to the provisions of these circulars:

a. A cheque stopped by the drawer's order if it has been circulated by endorsement.

b. A house cheque, unless the drawer is a customer of the drawn bank.

c. A cheque to which the word (Insurance) or (Guarantee) or any other phrase is added that takes it out of being a payment instrument.

d. A cheque missing any of the mandatory data required to be present in the cheque paper in accordance with the provisions of the Commercial Law (an order not subject to a condition to pay a certain amount of money, the name of the person obliged to pay "the drawee", the date of creation of the cheque, the signature of the person who created the cheque "the drawer").

e. Cheques drawn on accounts of clubs, syndicates, or government entities.

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Article (5):

a. The Returned Cheques Unit is considered an integral part of the customer inquiry service cycle provided by the Central Bank of Jordan.

Website: www.cbj.gov.jo • E-mail: info@cbj.gov.jo • Fax: 4738889, 473972, 4739721 • Phone: 4630301 • P.O. Box: 37 Amman 11118 Jordan

b. Banks are granted the authority to inquire about data regarding bank customers, issuers of returned cheques, using electronic network linking with the Unit.

c. The Unit receives and stores data submitted by licensed banks in the Returned Cheques System, extracts reports, and monitors banks to ensure the optimal implementation of these instructions.

d. Under no circumstances is the Unit responsible for the accuracy of the data received from banks.

Article (6):

All banks are obliged to do the following:

a. Organize and prepare detailed data on returned cheques issued by their customers (notification, settlement, deletion, and correction) and submit them to the Unit daily, electronically, through their main branch only.

b. Use the Arabic language when notifying the names of their customers, issuers of returned cheques, based on the approved identity document. If the approved document is in a foreign language, the name shall be notified using the same language as stated in the document.

c. Keep detailed data on information related to returned cheques and those stopped by their customers in accordance with the provisions of these instructions, specifically (the name of the drawer, the bank number, the cheque number, the cheque date, the return date of the cheque, the name of the first beneficiary of the cheque, and the name of the last endorsee if any, the amount in Jordanian Dinar or converted to Dinar based on the average exchange rate on the date of return of the cheque for cheques issued in foreign currencies, the date and means of notifying the customer). The bank is obliged to provide its customer with any of this data upon request, for as long as the customer's name remains on the Unit's list.

d. Inform their customers at the address held by the bank about the return of cheques, the reasons, and the date thereof, within three working days from the date of the cheque's return. It is sufficient for the customer to be considered notified if they receive the notice in person or are informed via a recorded phone call or by a communication method agreed upon with the customer for this purpose.

e. Banks invite their customers, through the notification mentioned in paragraph (d) of this Article, to settle or resolve the returned cheques within (15) working days from the day following the date of the cheque's return mentioned in the notification.

Article (7):

If the deadline granted to the customer under paragraph (e) of Article (6) of these instructions expires and the customer has not submitted anything to prevent the inclusion of their name in accordance with the provisions of these instructions, the bank shall, within three working days, include the names of customers who are issuers of returned cheques in accordance with daily data sent electronically to the Unit, showing the following information:

a. Information related to customers and persons subject to these instructions below, provided that a single valid document is adopted for the purpose of this information, in accordance with account opening instructions and ensuring periodic and continuous updating of customer data:

1. Jordanian Natural Person: Full name as stated in the personal document issued by the Civil Status, Passports and Residency Department or the appointment certificate for military personnel, in addition to the National ID number.

2. Foreign Natural Person: Full name as stated in the passport, the customer's nationality, and the passport number.

3. Jordanian Legal Persons:
   (a) Jordanian companies and foreign companies registered in accordance with the provisions of the Jordanian Companies Law: The full name of the company from the registration certificate issued by the competent official authority, in addition to the National ID number. In all cases, notification by the trade name of the legal person is not permitted. (b) Associations registered in accordance with the provisions of the Associations Law No. (51) of 2008 and its amendments: The full name of the association from the registration certificate issued by the competent official authority, in addition to the National ID number. (c) Cooperative societies registered in accordance with the provisions of the Cooperation Law No. (18) of 1997: The full name of the association from the Jordanian Cooperative Institution and the association's registration number as a national number. (d) Any other legal persons that the Central Bank of Jordan may adopt in the future to be subject to these instructions by special orders issued for this purpose.

4. Foreign Legal Person: Full name from a registration certificate certified by the competent authorities in the country of registration, in addition to nationality, registration number, and date.

5. Individual Institutions: Notification is made in the name of the owner and their national number if Jordanian, or in the name of the owner as stated in the passport, their nationality, and passport number if foreign.

b. The customer's account number at the bank.

c. The returned cheque number, its issue date, and its value in Dinar/or converted to Dinar based on the average exchange rate on the date of return of the cheque for cheques drawn in foreign currencies.

d. The date of the cheque's return.

Article (8):

Banks shall not notify their customers as issuers of returned cheques if any of the following cases apply to them during the period mentioned in paragraph (e) of Article (6) of these instructions:

a. If the returned cheque is honored from the customer's account.

b. If the bank receives a written settlement regarding the returned cheque that was concluded between the drawer and the beneficiary before a judicial authority or certified by a notary public, or if its validity is confirmed by the bank.

c. If the drawer submits the original returned cheque to the bank.

d. If the bank receives a decision from a judicial authority to stop proceedings regarding the returned cheque pending the resolution of a dispute concerning it.

e. If the bank receives proof of notification to the competent security or judicial authorities regarding the loss or theft of the cheque.

Article (9):

After the expiration of the period mentioned in paragraph (e) of Article (6), and after including the customer's name in accordance with the provisions of these instructions, banks shall send the following to the Unit:

a. A file for settling notification data about their customers who are issuers of returned cheques on the working day following any of the following cases:

1. If the returned cheque is honored from the customer's account.
2. If the bank receives the original cheque, the bank shall, within the settlement file sent to the Unit, record the date of the customer's visit to the bank as the date of cheque settlement.
3. If the bank receives information stating that the customer settled the cheques on a specific date, the bank shall, within the settlement file sent to the Unit, record the settlement date of the cheque stated in the settlement document. If the settlement date of the cheque is not mentioned, the settlement date of the cheque shall be adopted. If it does not exist, the date of the customer's visit to the bank shall be adopted as the date of settlement of the cheque(s).

b. A file for deleting/correcting data to cancel/correct notification about their customers who are issuers of returned cheques, on the working day following any of the following cases:

1. If the bank receives a decision from a judicial authority to stop proceedings regarding the returned cheque pending the resolution of a dispute concerning it.
2. If the bank receives proof of notification to the competent security or judicial authorities regarding the loss or theft of the cheque.
3. If the bank receives proof that the customer settled the cheque during the period mentioned in paragraph (e) of Article (6).
4. If it becomes apparent to the bank that the information notified in items (1) and (2) of paragraph (a) of this Article is incorrect or inaccurate, or if any modification occurs to any of the notified drawer data.
5. If a written agreement is concluded between the bank and the drawer stipulating the bank's commitment to hold the cheque amount at the bank from the date it was presented to the bank until the drawer provides a judicial decision stating the legitimacy of the objection or a judicial decision to stop proceedings regarding the cheque, or a settlement concluded with the beneficiary, or the original cheque, or the expiration of the five-year period from the date of the cheque's return. In the case of the drawer providing any of the above, the bank must release the held amount.

Article (10):

If the drawer objects to the payment of a cheque, they shall be informed in writing that they will be notified for the purpose of including their name on the Unit's list, and that the bank shall notify them within three working days of the fact that the cheque was presented to the bank and refused due to their objection, unless they provide any of the following on the date of objection or within (15) working days at most from the date the cheque was presented to the bank:

a. The original cheque.

b. Proof of notification to the competent security or judicial authorities regarding the loss or theft of the cheque.

c. Proof of the bankruptcy of the cheque holder.

d. A written agreement between the bank and the drawer stipulating the bank's commitment to hold the cheque amount at the bank from the date it was presented to the bank until the drawer provides a judicial decision stating the legitimacy of the objection or a judicial decision to stop proceedings regarding the cheque, or a settlement concluded with the beneficiary, or the original cheque, or the expiration of the five-year period from the date of the cheque's return. In the case of the drawer providing any of the above, the bank must release the held amount.

Article (11):

Subject to the provisions of these instructions:

a. A single cheque shall not be notified more than once.

b. If the customer issues a cheque in a manner that prevents its payment, such as causing a signature discrepancy or in the event that a cheque cannot be paid for any other technical reason, the bank must ensure that there is sufficient funds in the balance to cover the value of the cheque. In the event of no funds or insufficient funds, the cheque shall be treated as a returned cheque and subject to these instructions.

Article (12):

Licensed banks must use the network linking service to inquire with the Unit about the customer's name if they are listed on the Unit's list before approving the issuance of a cheque book to the customer, while ensuring that the size of the cheque book granted to the customer is commensurate with the size of their financial transactions and their balances at the bank and their credibility in general dealings. Banks are also allowed to inquire about the customer in case of a request for banking facilities.

Article (13):

Banks must refrain from issuing any cheque books to a customer as long as their name remains listed on the Unit's list. As for other banking transactions, it is left to the bank's discretion based on safe and sound banking practices.

Article (14):

A bank is not allowed to refuse or postpone the settlement, correction, or deletion of a cheque/cheques contrary to the provisions of these instructions on the pretext of any other relations between it and its customer.

Article (15):

a. In the event that the Unit receives the settlement file mentioned in paragraph (a) of Article (9) of these instructions, the customer's name shall be removed from the Unit's list after:

• 1 - One month from the date of settlement in the case of returning one cheque to the bank.
• 2 - Three months from the date of settlement in the case of returning two cheques to the bank.
• 3 - Eighteen months from the date of settlement in the case of returning three cheques or more to the bank.

b. In the event that the Unit receives the file mentioned in paragraph (b) of Article (9) of these instructions, the cheque data/drawer name shall be deleted according to the circumstances.

c. A returned cheque shall be automatically deleted after (5) years have passed from its return date.

Article (16):

Each bank must print on the cover of the cheque books it delivers to its customer or attached to it the following information:

That it will include the customer's name on the list of the Returned Cheques Unit at the Central Bank if a cheque is returned due to insufficient/insufficient funds in accordance with the instructions of the Returned Cheques Unit issued by the Central Bank, and the customer will bear all consequences resulting from the inclusion of their name on the list.

Article (17):

a. Data related to customers are subject to the banking secrecy provisions contained in the Law.

b. The Central Bank may take any of the measures or impose any of the penalties prescribed in the Law on any bank that violates the provisions of these instructions.

Article (18):

The following instructions and circulars are repealed:

• 1 - Instructions No. (2005/22) dated 4/8/2005
• 2 - Circular No. (13453/7020) dated 3/6/1995
• 3 - Circular No. (15790/3/2/10) dated 1/10/2002
• 4 - Circular No. (6492/4/2/10) dated 4/7/2006
• 5 - Circular No. (7028/4/2/10) dated 20/7/2006
• 6 - Circular No. (7408/4/2/10) dated 2/8/2006
• 7 - Circular No. (8564/4/2/10) dated 31/8/2006
• 8 - Circular No. (9576/4/2/10) dated 4/10/2006
• 9 - Circular No. (12137/4/2/10) dated 11/12/2007
• 10 - Circular No. (12346/4/2/10) dated 28/12/2006
• 11 - Circular No. (5375/4/2/10) dated 13/4/2009
• 12 - Circular No. (9500/4/2/10) dated 14/7/2009
• 13 - Circular No. (10133/4/2/10) dated 29/7/2009
• 14 - Circular No. (15709/4/2/10) dated 29/12/2009

Governor
Mohammed Saeed Shahin

• Attached: Format of automatic exchange files for the Returned Cheques System after being modified in accordance with these instructions.

SOS - New Returned Cheques Unit Instructions after the opinion of the Legal Office - Final 2011-1-18

Central Bank of Jordan

Returned Cheques System in the Banking Sector

Description of System Files

[Description of System Files]

Below is a description of the files of the Returned Cheques System in the banking sector, which are exchanged between the Central Bank of Jordan and commercial banks for the purpose of alerting about returned cheques or settling them or correcting data of notified defaulters and their networks, as well as the total of defaulters listed on the list of customers who failed to pay.

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Central Bank of Jordan

CENTRAL BANK OF JORDAN

Format of the file received from banks to the Cheques Unit to alert about a returned cheque as follows:

Sequence	Field	Field Type	Field Length
1.	Branch Number (Clearing)	Numeric	4
2.	Drawer Name	Alphanumeric	80
3.	Drawer Nationality	Numeric	4
	According to the coding listed below
4.	National ID - For Individuals	Numeric	10
5.	Registration Category	Alphanumeric	4
	Important field, data entered within it will not be taken
6.	Company Number	Numeric	10
	Represents the National ID of the Jordanian establishment or association or the registration number of the non-Jordanian company
7.	Company Date	Date	10
	Date in format: DD-MM-YYYY
8.	Identity Document Number	Numeric	20
9.	Identity Document Type	Numeric	1
	According to the coding listed below
10.	Address	Alphanumeric	100
11.	Cheque Currency Type	Numeric	1
	According to the coding listed below
12.	Customer Account Number	Numeric	16
13.	Cheque Number	Numeric	6
14.	Cheque Value	Numeric	11
15.	Cheque Issue Date	Date	10
	Date in format: DD-MM-YYYY
16.	Cheque Return Date	Date	10
	Date in format: DD-MM-YYYY
17.	Name of First Beneficiary of Cheque	Alphanumeric	80
18.	Name of Last Endorsee (if any)	Alphanumeric	80
19.	Date of Notifying Customer	Date	10
	Date in format: DD-MM-YYYY
20.	Means of Notifying Customer	Numeric	4
	According to the coding listed below

Details of Notification File Description:

1. The file name is coded as follows: BNYYYMMDD.RET

   • BN: Bank number notifying returned cheques, two digits as approved in the Clearing Office.
   • YYYY: Year of notification, four digits.
   • MM: Month of notification, two digits.
   • DD: Day of notification, two digits.

2. Notification is made for each cheque and "all account holders in the case of joint/consortium accounts" in a separate record, ordered by cheque number then drawer.

3. Branch Number (Clearing): The number of the bank branch issuing the cheque, which is a mandatory field consisting of 4 numeric digits as it appears on the MICR line on the cheque, such that the first 3 digits on the left are the branch number and the fourth digit on the right represents the office number.

4. Drawer Name: A mandatory field consisting of (80) characters, containing the full name of the drawer, divided into four segments, such that notification is in Arabic for drawers with Arab nationality and in English for drawers with non-Arab nationality.

5. Nationality: A mandatory field consisting of four numeric digits representing the nationality code, and nationalities are coded (according to nationality coding).

6. National ID: A field consisting of (10) numeric digits, mandatory only for Jordanian individuals as stated in the Civil Status Card.

7. Registration Category: An important field and it is preferred to leave it empty.

8. Company/Association Number: A field of (10) numeric digits representing the National ID of the Jordanian economic establishment as approved by the competent official authority in the Hashemite Kingdom of Jordan or the registration number of the foreign company from the registration certificate issued by the competent authorities in the country where the foreign legal person is registered in their country, or the National ID of the association registered with the Ministry of Social Development (as shown in the following example) or the registration number of cooperative societies registered with the Jordanian Cooperative Institution as a national number for them.

   • The Company Number field is filled for the Jordanian legal person with their nationality only.
   • The Company Number field is filled for the foreign legal person with the company date and nationality only.

9. Company Date: Registration date, a field of (10) digits according to the date format (DD-MM-YYYY) from the registration certificate issued by the competent authorities in the country where the foreign legal person is registered in their country.

   • The Company Number and Company Date fields are filled for the foreign legal person with their nationality.

10. Identity Document Number: A numeric field of (20) digits representing the number of the identity document for non-Jordanian individual customers.

11. Identity Document Type: A single-digit number representing the code of the identity document type and is filled (according to identity document coding) for non-Jordanian individual customers.

    • The two previous fields and the Nationality field are mandatory for non-Jordanian individuals.

12. Address: An optional field representing the drawer's address, consisting of (100) characters.

13. Cheque Currency: A numeric field (according to cheque currency coding).

14. Customer Account Number: A mandatory field consisting of (16) numeric digits filled with the same numbers found on the MICR line of the cheque.

15. Cheque Number: A mandatory field consisting of (6) numeric digits filled with the same numbers found on the MICR line of the cheque, where notification about the cheque for the same drawer is not allowed more than once.

16. Cheque Value: A mandatory field consisting of (11) numeric digits representing the three digits, the first from the right is the amount in money - after the comma - and the eight digits from the left represent the amount in Dinars or the equivalent value in Dinars for foreign cheques without a decimal point.

17. Cheque Issue Date: A mandatory field consisting of (10) digits filled according to the date format (DD-MM-YYYY) and represents the date of issuing the cheque.

18. Cheque Return Date: A mandatory field consisting of (10) digits filled according to the date format (DD-MM-YYYY) and represents the date of returning the cheque to the notifying bank.

19. Name of First Beneficiary of Cheque: A mandatory field consisting of (80) characters and contains the full name of the first beneficiary of the cheque, divided into four segments.

20. Name of Last Endorsee - if any - : A mandatory field consisting of (80) characters and contains the full name of the last endorsee, divided into four segments.

21. Date of Notifying about Cheque: A mandatory field consisting of (10) digits filled according to the date format (DD-MM-YYYY) and represents the date of notifying about the cheque.

22. Means of Notifying about Cheque: A mandatory field consisting of (4) digits (according to the coding of the means of notifying the customer).

Illustrative Example: (Notification of Associations Registered with the Ministry of Social Development)

1. Association Number as approved by the Ministry of Social Development / Association Registration Department

Serial Number	Governorate Number	Competent Ministry Number	Year
2	0	1	1
0	2	1	1
1	0	0	0
2	7

2. Association Number for the purpose of notifying about returned cheques.

Serial Number	Governorate Number	Competent Ministry Number	Year
1	1	0	2
0	1	1	1
0	0	2	7

Format of the file received from banks to the Cheques Unit to settle a returned cheque as follows:

Sequence	Field	Field Type	Field Length
1.	Branch Number (Clearing)	Numeric	4
2.	Drawer Nationality	Numeric	4
	According to approved coding
3.	National ID - For Individuals	Numeric	10
4.	Registration Category	Alphanumeric	4
	Important field, data entered within it will not be taken
5.	Company Number	Numeric	10
	Represents the National ID of the Jordanian establishment or association or the registration number of the non-Jordanian company
6.	Company Date	Date	10
	Date in format: DD-MM-YYYY
7.	Identity Document Number	Numeric	20
8.	Identity Document Type	Numeric	1
	According to approved coding
9.	Cheque Currency Type	Numeric	1
	According to approved coding
10.	Customer Account Number	Numeric	17
11.	Cheque Number	Numeric	7
12.	Cheque Value	Numeric	11
13.	Cheque Issue Date	Date	10
	Date in format: DD-MM-YYYY
14.	Cheque Return Date	Date	10
	Date in format: DD-MM-YYYY
15.	Date of Cheque Settlement at Bank	Date	10
	Date in format: DD-MM-YYYY
16.	Bank Settlement Letter Number	Alphanumeric	30

Details of Settlement File Description:

1. The file name is coded as follows: BNYYYMMDD.SET:
   • BN: Bank number notifying returned cheques, two digits as approved in the Clearing Office.
   • YYYY: Year of settlement, four digits.
   • MM: Month of settlement, two digits.
   • DD: Day of settlement, two digits.

Format of the file received from the bank to the Cheques Unit to correct/delete data of a drawer/returned cheque as follows:

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Sequence	Field	Field Type	Field Length
1.	Transaction Type	Numeric	4
According to Approved Coding
2.	Branch Number (Prefix)	Numeric	4
3.	Drawer Name Before Modification	Alphanumeric	80
4.	Drawer Name After Modification	Alphanumeric	80
5.	Drawer Nationality Before Modification	Numeric	4
6.	Drawer Nationality After Modification	Numeric	4
According to Approved Coding
7.	National ID Before Modification	Numeric	10
8.	National ID After Modification	Numeric	10
9.	Registration Category Before Modification	Numeric	4
10.	Registration Category After Modification	Numeric	4
(Registration Category) Important field, data entered within it will not be taken into account
11.	Company Number Before Modification	Numeric	10
12.	Company Number After Modification	Numeric	10
Represents the National ID of the Jordanian establishment or association, or the registration number of the non-Jordanian company
13.	Company Date Before Modification	Date	10
14.	Company Date After Modification	Date	10
Date in format: DD-MM-YYYY
15.	Identity Document Number Before Modification	Numeric	20
16.	Identity Document Number After Modification	Numeric	20
17.	Identity Document Type Before Modification	Numeric	1
18.	Identity Document Type After Modification	Numeric	1
According to Approved Coding
19.	Address Before Modification	Alphanumeric	100
20.	Address After Modification	Alphanumeric	100
21.	Cheque Currency Before Modification	Numeric	1
22.	Cheque Currency After Modification	Numeric	1
According to Approved Coding
23.	Customer Account Number Before Modification	Numeric	16

Form (1/1/09)

CENTRAL BANK OF JORDAN
البنك المركزي الأردني

| 24. | Customer Account Number After Modification | Numeric | 16 |
|-----|---------------------------------------------|---------|----|
| 25. | Cheque Number Before Modification           | Numeric | 6  |
| 26. | Cheque Number After Modification            | Numeric | 6  |
| 27. | Cheque Value Before Modification            | Numeric | 11 |
| 28. | Cheque Value After Modification             | Numeric | 11 |
| 29. | Cheque Issue Date Before Modification       | Date    | 10 |
| 30. | Cheque Issue Date After Modification        | Date    | 10 |
| 31. | Cheque Re-issue Date Before Modification    | Date    | 10 |
| 32. | Cheque Re-issue Date After Modification     | Date    | 10 |

Date in format: DD-MM-YYYY

| 33. | First Payee Name Before Modification        | Alphanumeric | 80 |
|-----|---------------------------------------------|--------------|----|
| 34. | First Payee Name After Modification         | Alphanumeric | 80 |
| 35. | Last Endorser Name - if any - Before Modification | Alphanumeric | 80 |
| 36. | Last Endorser Name - if any - After Modification  | Alphanumeric | 80 |
| 37. | Date Customer Notified Before Modification  | Date         | 10 |
| 38. | Date Customer Notified After Modification   | Date         | 10 |

Date in format: DD-MM-YYYY

| 39. | Method of Customer Notification Before Modification | Numeric | 4  |
|-----|-----------------------------------------------------|---------|----|
| 40. | Method of Customer Notification After Modification  | Numeric | 4  |

According to Approved Coding

| 41. | Date of Cheque Settlement at Bank After Modification | Date | 10 |

Date in format: DD-MM-YYYY

| 42. | Bank Settlement Letter Number After Modification | Alphanumeric | 30 |
|-----|--------------------------------------------------|--------------|----|
| 43. | Date of Notification to Central Bank Before Modification | Date | 10 |
| 44. | Date of Notification to Central Bank After Modification  | Date | 10 |

Date in format: DD-MM-YYYY

Form (1/1/09)

CENTRAL BANK OF JORDAN
البنك المركزي الأردني

Amendment File Details:

1. The file name is coded as follows: BNYYYMMDD.TRN:
   - BN: Two-digit bank number as reported for returned cheques, as approved in the Clearing House.
   - YYYY: Four-digit year of the amendment.
   - MM: Two-digit month of the amendment.
   - DD: Two-digit day of the amendment.

2. Note:
   If a bank requests the deletion of a drawer reported by more than one bank, only the cheques reported by that specific bank will be deleted.

Illustrative Examples - (Amendment of Drawer Data)

**Amendment of Drawer Data from Individual National ID to Economic Establishment National ID**

| Nationality Before Modification | Nationality After Modification | National ID Before Modification | National ID After Modification | Record Type Before Modification | Record Type After Modification | Company Number Before Modification | Company Number After Modification | Company Date Before Modification | Company Date After Modification |
|---------------------------------|--------------------------------|---------------------------------|--------------------------------|---------------------------------|--------------------------------|------------------------------------|-----------------------------------|----------------------------------|---------------------------------|
| Drawer Nationality is Jordanian | Drawer Nationality is Jordanian | Reported National ID | Empty | Empty | Empty | Empty | Establishment National ID | Empty | Empty |

**Amendment of Drawer Data from Economic Establishment National ID to Foreign Company**

| Nationality Before Modification | Nationality After Modification | National ID Before Modification | National ID After Modification | Record Type Before Modification | Record Type After Modification | Company Number Before Modification | Company Number After Modification | Company Date Before Modification | Company Date After Modification |
|---------------------------------|--------------------------------|---------------------------------|--------------------------------|---------------------------------|--------------------------------|------------------------------------|-----------------------------------|----------------------------------|---------------------------------|
| Drawer Nationality is Jordanian | Drawer Nationality is Non-Jordanian | Empty | Empty | Empty | Empty | Establishment National ID | Company Number | Empty | Company Date |

Form (1/1/09)

CENTRAL BANK OF JORDAN
البنك المركزي الأردني

Description of the file format issued by the Returned Cheques Unit to banks to disseminate the list of payers who have defaulted on payment:

Sequence	Field	Field Type	Field Length
1.	Drawer Number at Returned Cheques Unit	Numeric	10
2.	Drawer Name	Alphanumeric	80
3.	Drawer Nationality	Numeric	4
	According to Approved Coding
4.	National ID - For Individuals	Numeric	10
5.	Company Number	Numeric	10
	Represents the National ID of the Jordanian establishment or association, or the registration number of the non-Jordanian company
6.	Company Date	Date	10
	Date in format: DD-MM-YYYY
7.	Identity Document Number	Numeric	20
8.	Identity Document Type	Numeric	1
	According to Approved Coding
9.	Address	Alphanumeric	100
10.	Reported Banks	Alphanumeric	100
	Contains details of reported banks and the customer's status at each bank

Details of the file description issued by the Central Bank:

1. The file name is coded as follows: YYYYMMDD.BLS:

   • YYYY: Four-digit year of the blacklist announcement.
   • MM: Two-digit month of the blacklist announcement.
   • DD: Two-digit day of the blacklist announcement.

2. Reported Banks: Consists of (100) characters containing details of reported banks and the customer's status at each bank, as follows:

   • Two-digit bank detail number.
   • One-character separator which is ":".
   • One-character customer cheque status at that bank according to the following:
     • 1: All his cheques at the bank are settled.
     • 2: Some/all of the customer's cheques at the bank are unsettled.
   • One-character separator which is ";".

Example: Assume that customer "S" has returned cheques from the Arab Bank (all settled) and cheques from the Arab Bank (some cheques unsettled) and cheques from the Housing Bank (all cheques unsettled), then the Reported Banks field will be as follows:

03:1;10:2;06:2;

2. In cases where the number of characters in the field value is less than the number of characters of that field, the remaining characters are filled as follows:
   • If the field is alphanumeric, the remaining characters are filled with spaces.
   • If the field is numeric, the characters to the left of the value are filled with zeros.

Form (1/1/09)

CENTRAL BANK OF JORDAN
البنك المركزي الأردني

Form (1/1/09)