<!--
 <?xml version="1.0" encoding="iso-8859-1"?>

<!DOCTYPE OFX  PUBLIC "-//Open Financial Exchange//DTD OFX Version 2.0.0//EN">

*********************************************************************************
*                     Open Financial Exchange (OFX) DTD                         *
*********************************************************************************
*   Revision 2.0                                                                *
*   Date:    19 March 2000                                                      *
*********************************************************************************
*                           Formal Public Identifier                            *
*                                                                               *
*           -//Open Financial Enchange//DTD OFX Version 2.0//EN                 *
*********************************************************************************
*                                                                               *
*   Copyright 1997, 1998, 1999 CheckFree Corp., Intuit Inc., Microsoft Corp.    *
*   All rights reserved                                                         *
*********************************************************************************
-->

<!-- 
*********************************************************************************
*                            Change Log                                         *
*********************************************************************************

Revisions 041500 Gil Clark
        Remove all references to V2.

Revisions 031900 Betty Harvey

	1.  Converted SGML DTD for XML Compliancy.
		a.  Eliminated tag minimalization.
        b.  Character entities for less than, greater than and
            ampersand were deleted. They are not required to be 
            declared in the DTD.
	2.  Ensured all places where entities were used contained a ;.
        3.  Commented out the following entities:
			EXTRARQMSGSETS 
			EXTRARSMSGSETS 
			EXTRAMSGSETS  
            These are currently empty elements and will cause parsing
            errors until populated.  When they are used, they should
            be uncommented.
        4.  Cured ambiguity with element MSGSETLIST.
        5.  Commented out the entity ACCOUNTENUM2 because it isn't used
            in any declarations.


Revisions 022800 Tom Lebhar

Because NAME tokens cannot begin with digits, all elements and entities beginning with 401K are preprended with "INV"

	1. Added INV401KDNLD to INVSTMTMSGSETV1, INVSTMTMSGSETV2
	2. Added INV401K and INV401KBAL aggregates to INVSTMTRS
	3. Added INV401KSOURCE to INVBUY, INVPOS, INVSELL, INCOME, INVEXPENSE, REINVEST, RETOFCAP, 
                 SPLIT, TRANSFER, INVPOS, and STMTTRN.
	4. Added DTPAYROLL to INVBUY.
	5. Added STATEWITHHOLDING to INVSELL.
	6. Added LOANID to INVBUY and INVSELL.
	7. Added LOANPRINCIPAL to INVBUY.
	8. Added LOANINTEREST to INVBUY.
	9. Added PENALTY to INVSELL.
	10. Added PRIORYEARCONTRIB to INVBUY.

Revisions 031000 Tom Lebhar

	1. Added % LOANIDTYPE entity
	2. Added % GENCONTACTINFOTYPE entity
	3. Added % GENDESCTYPE entity
	4. Added % NUMPMTS entity; number of payments

-->


<!--

============================================================================= -->

<!-- ENTITIES - Extensions

    This entity allows users of this DTD to add new message sets
    to the DTD.

    

    Note:  Since these entities are currently empty placeholders, they appear
    at the end of lists without a preceding comma or vertical bar.  Once these
    entities assume real values, a comma or vertical bar should be added
    before each occurrence in a list.
    In particular, new message set request and response aggregates should be
    separated and preceded by a comma and must be optional (followed by a
    question mark).

    New message set profile aggregates should be separated and preceded by
    vertical bars.
-->

<!-- ============================================================================= -->


<!-- Add extra xxxMSGSETRQVn here 

<!ENTITY % EXTRARQMSGSETS "">

-->

<!-- Add extra xxxMSGSETRSVn here 

<!ENTITY % EXTRARSMSGSETS "">

-->


<!-- Add extra XXXMSGSET here 

<!ENTITY % EXTRAMSGSETS   "">

-->


<!-- ============================================================================= -->

<!-- ENTITIES - types

    This section defines entities as 'types' for all 
    primitive element values.  This is the only place
    that #PCDATA and #Datatype should appear.  

-->

<!-- ============================================================================= -->



<!-- Server ID : encoding for <TOKEN>s, <SERVERTID>s, etc -->

<!ENTITY % SRVRIDTYPE "(#PCDATA)" >

<!--#ENTITY % SRVRIDTYPE		#Datatype(A-10)-->


<!-- UUID : a universal ID, up to 36 char hexadecimal -->

<!ENTITY % UUIDTYPE "(#PCDATA)" >

<!--#ENTITY % UUIDTYPE			#Datatype(A-36)-->

<!-- Single character data -->

<!ENTITY % CHARTYPE "(#PCDATA)">

<!--#ENTITY % CHARTYPE			#Datatype(A-1)-->


<!-- URL -->

<!ENTITY % URLTYPE  "(#PCDATA)">

<!--#ENTITY % URLTYPE			#Datatype(A-255)-->

<!-- Integer -->

<!ENTITY % INTTYPE  "(#PCDATA)">

<!--#ENTITY % INTTYPE			#Datatype(I-4)-->


<!-- Rate, percentage -->

<!ENTITY % RATETYPE "(#PCDATA)">

<!--#ENTITY % RATETYPE			#DataType(N-32)-->


<!-- Current Amount: Used for specifying an amount.

 may be signed; comma or period for decimal point

-->

<!ENTITY % AMTTYPE  "(#PCDATA)">

<!--#ENTITY % AMTTYPE			#DataType(N-32)-->


<!--  Date and Time: Used for specifying

 the date and time. All date-time pairs

 are based on local time of the server or client.

-->

<!ENTITY % DTTMTYPE "(#PCDATA)">

<!--#ENTITY % DTTMTYPE			#DataType(DATE)-->


<!-- Datatype with time only, no date -->

<!ENTITY % TMTYPE "(#PCDATA)">

<!--#ENTITY % TMTYPE 			#DataType(TIME)-->


<!-- Boolean : Y/N -->

<!ENTITY % BOOLTYPE "(#PCDATA)">

<!--#ENTITY % BOOLTYPE			#DataType(BOOL)-->


<!-- a general purpose identifier type -->

<!ENTITY % IDTYPE   "(#PCDATA)">

<!--#ENTITY % IDTYPE			#DataType(A-32)-->


<!-- a general purpose name type -->

<!ENTITY % GENNAMETYPE   "(#PCDATA)">

<!--#ENTITY % GENNAMETYPE		#DataType(A-32)-->


<!-- Profile data types brought from MIFST 1.0 -->

<!ENTITY % EMPTYTYPE "(#PCDATA)">

<!--#ENTITY % EMPTYTYPE 		#DataType(A0-0)-->

<!ENTITY % STATETYPE "(#PCDATA)">

<!--#ENTITY % STATETYPE 		#DataType(A-5)-->

<!ENTITY % STATECODETYPE "(#PCDATA)">

<!--#ENTITY % STATECODETYPE 		#DataType(A-2)-->

<!ENTITY % APPIDTYPE "(#PCDATA)">

<!--#ENTITY % APPIDTYPE			#DataType(A-5)-->

<!ENTITY % BANKIDTYPE "(#PCDATA)">

<!--#ENTITY % BANKIDTYPE		#DataType(A-9)-->

<!ENTITY % RATINGTYPE "(#PCDATA)">

<!--#ENTITY % RATINGTYPE		#DataType(A-10)-->

<!ENTITY % COUNTRYTYPE "(#PCDATA)">

<!--#ENTITY % COUNTRYTYPE		#DataType(A-3)-->

<!ENTITY % ZIPTYPE "(#PCDATA)">

<!--#ENTITY % ZIPTYPE			#DataType(A-11)-->

<!ENTITY % PAYEEIDTYPE "(#PCDATA)">

<!--#ENTITY % PAYEEIDTYPE	    	#DataType(A-12)-->

<!ENTITY % CHECKNUMTYPE "(#PCDATA)">

<!--#ENTITY % CHECKNUMTYPE		#DataType(A-12)-->

<!ENTITY % NONCETYPE "(#PCDATA)">

<!--#ENTITY % NONCETYPE	    		#DataType(A-16)-->

<!ENTITY % BROKERIDTYPE "(#PCDATA)">

<!--#ENTITY % BROKERIDTYPE 		#DataType(A-22)-->

<!ENTITY % ACCTIDTYPE "(#PCDATA)">

<!--#ENTITY % ACCTIDTYPE		#DataType(A-22)-->

<!ENTITY % TICKERTYPE "(#PCDATA)">

<!--#ENTITY % TICKERTYPE		#DataType(A-32)-->

<!ENTITY % FIIDTYPE "(#PCDATA)">

<!--#ENTITY % FIIDTYPE			#DataType(A-32)-->

<!ENTITY % TYPEDESCTYPE "(#PCDATA)">

<!--#ENTITY % TYPEDESCTYPE		#DataType(A-32)-->

<!ENTITY % PHONETYPE "(#PCDATA)">

<!--#ENTITY % PHONETYPE			#DataType(A-32)-->

<!ENTITY % ADDRESSTYPE "(#PCDATA)">

<!--#ENTITY % ADDRESSTYPE		#DataType(A-32)-->

<!ENTITY % OPTIONLEVELTYPE "(#PCDATA)">

<!--#ENTITY % OPTIONLEVELTYPE		#DataType(A-40)-->

<!ENTITY % SUBJECTTYPE "(#PCDATA)">

<!--#ENTITY % SUBJECTTYPE		#DataType(A-60)-->

<!ENTITY % FICERTIDTYPE "(#PCDATA)">

<!--#ENTITY % FICERTIDTYPE		#DataType(A-64)-->

<!ENTITY % USERKEYTYPE "(#PCDATA)">

<!--#ENTITY % USERKEYTYPE		#DataType(A-64)-->

<!ENTITY % SHORTMSGTYPE "(#PCDATA)">

<!--#ENTITY % SHORTMSGTYPE		#DataType(A-80)-->

<!ENTITY % SECNAMETYPE "(#PCDATA)">

<!--#ENTITY % SECNAMETYPE		#DataType(A-120)-->

<!ENTITY % PASSWORDTYPE "(#PCDATA)">

<!--#ENTITY % PASSWORDTYPE		#DataType(A-171)-->

<!ENTITY % FITIDTYPE "(#PCDATA)">

<!--#ENTITY % FITIDTYPE			#DataType(A-255)-->

<!ENTITY % MSGTYPE "(#PCDATA)">

<!--#ENTITY % MSGTYPE			#DataType(A-255)-->

<!ENTITY % LONGMSGTYPE "(#PCDATA)">

<!--#ENTITY % LONGMSGTYPE		#DataType(A-2000)-->

<!ENTITY % MEMO2TYPE "(#PCDATA)">

<!--#ENTITY % MEMO2TYPE			#DataType(A-390)-->

<!ENTITY % INFOTYPE "(#PCDATA)">

<!--#ENTITY % INFOTYPE			#DataType(A-360)-->

<!ENTITY % SESSCOOKIETYPE "(#PCDATA)">

<!--#ENTITY % SESSCOOKIETYPE		#DataType(A-1000)-->

<!ENTITY % MSGBODYTYPE "(#PCDATA)">

<!--#ENTITY % MSGBODYTYPE		#DataType(R-10000)-->

<!ENTITY % INVNOTYPE "(#PCDATA)">

<!--#ENTITY % INVNOTYPE			#DataType(A-32)-->

<!ENTITY % CNTRLNOTYPE "(#PCDATA)">

<!--#ENTITY % CNTRLNOTYPE			#DataType(A-32)-->

<!ENTITY % NINSTSTYPE "(#PCDATA)">

<!--#ENTITY % NINSTSTYPE		#DataType(I-3)-->

<!ENTITY % TEMPPASSTYPE "(#PCDATA)">

<!--#ENTITY % TEMPPASSTYPE		#DataType(A-32)-->

<!ENTITY % DAYSPANTYPE "(#PCDATA)">

<!--#ENTITY % DAYSPANTYPE		#DataType(I-3)-->

<!ENTITY % REFNUMTYPE "(#PCDATA)">

<!--#ENTITY % REFNUMTYPE		#DataType(A-32)-->

<!ENTITY % MAXMINTYPE "(#PCDATA)">

<!--#ENTITY % MAXMINTYPE		#DataType(I-2)-->

<!ENTITY % VERTYPE "(#PCDATA)">

<!--#ENTITY % VERTYPE			#DataType(I-5)-->

<!ENTITY % SHARESPERTYPE "(#PCDATA)">

<!--#ENTITY % SHARESPERTYPE		#DataType(I-5)-->

<!ENTITY % ERRORTYPE "(#PCDATA)">

<!--#ENTITY % ERRORTYPE  		#DataType(I-6)-->

<!ENTITY % SICTYPE "(#PCDATA)">

<!--#ENTITY % SICTYPE    		#DataType(I-6)-->

<!ENTITY % CUSIPTYPE "(#PCDATA)">

<!--#ENTITY % CUSIPTYPE			#DataType(A-32)-->

<!ENTITY % EXTTYPE "(#PCDATA)">

<!--#ENTITY % EXTTYPE			#DataType(I-10)-->

<!ENTITY % BILLREFINFOTYPE "(#PCDATA)">

<!--#ENTITY % BILLREFINFOTYPE		#DataType(A-80)-->

<!ENTITY % BOOKINGTEXTTYPE "(#PCDATA)">

<!--#ENTITY % BOOKINGTEXTTYPE		#DataType(A-40)-->

<!ENTITY % NAMEACCTHELDTYPE "(#PCDATA)">

<!--#ENTITY % NAMEACCTHELDTYPE	#DataType(A-96)-->

<!ENTITY % COLUMNTYPE "(#PCDATA)">

<!--#ENTITY % COLUMNTYPE		#DataType(A-8)-->

<!ENTITY % TANTYPE "(#PCDATA)">

<!--#ENTITY % TANTYPE			#DataType(A-80)-->

<!ENTITY % SECUIDTYPE "(#PCDATA)">

<!--#ENTITY % SECUIDTYPE 		#DataType(A-10)-->

<!ENTITY % LOANIDTYPE "(#PCDATA)">

<!--#ENTITY % LOANIDTYPE 		#DataType(A-32)-->

<!ENTITY % GENCONTACTINFOTYPE "(#PCDATA)">

<!--#ENTITY % GENCONTACTINFOTYPE	#DataType(A-255)-->

<!ENTITY % GENDESCTYPE "(#PCDATA)">

<!--#ENTITY % GENDESCTYPE		#DataType(A-32)-->

<!ENTITY % NUMPMTS "(#PCDATA)">

<!--#ENTITY % NUMPMTS			#DataType(I-5)-->

<!ENTITY % YEARTYPE "(#PCDATA)">

<!--#ENTITY % YEARTYPE			#DataType(N-4)-->


<!-- Country-specific data types follow -->

<!ENTITY % ITACAUSALETYPE "(#PCDATA)">

<!--#ENTITY % ITACAUSALETYPE		#DataType(I-2)-->


<!-- Enumerated data types follow-->

<!ENTITY % ASSETCLASSENUM "(#PCDATA)">

<!--#ENTITY % ASSETCLASSENUM		#Enum("DOMESTICBOND", "INTLBOND","LARGESTOCK","SMALLSTOCK",
							  "INTLSTOCK","MONEYMRKT","OTHER")-->

<!ENTITY % CALLTYPEENUM "(#PCDATA)">

<!--#ENTITY % CALLTYPEENUM		#Enum("CALL", "PUT","PREFUND","MATURITY")-->

<!ENTITY % STOCKENUM "(#PCDATA)">

<!--#ENTITY % STOCKENUM			#Enum("COMMON", "PREFERRED","CONVERTIBLE","OTHER")-->

<!ENTITY % BUYENUM "(#PCDATA)">

<!--#ENTITY % BUYENUM			#Enum("BUY", "BUYTOCOVER")-->

<!ENTITY % INCOMEENUM "(#PCDATA)">

<!--#ENTITY % INCOMEENUM		#Enum("CGLONG", "CGSHORT","DIV","INTEREST", "MISC")-->

<!ENTITY % OPTACTIONENUM "(#PCDATA)">

<!--#ENTITY % OPTACTIONENUM		#Enum("EXERCISE", "ASSIGN","EXPIRE")-->

<!ENTITY % OPTBUYENUM "(#PCDATA)">

<!--#ENTITY % OPTBUYENUM		#Enum("BUYTOOPEN", "BUYTOCLOSE")-->

<!ENTITY % OPTSELLENUM "(#PCDATA)">

<!--#ENTITY % OPTSELLENUM		#Enum("SELLTOOPEN", "SELLTOCLOSE")-->

<!ENTITY % POSTYPEENUM "(#PCDATA)">

<!--#ENTITY % POSTYPEENUM		#Enum("LONG", "SHORT")-->

<!ENTITY % RELATEDENUM "(#PCDATA)">

<!--#ENTITY % RELATEDENUM		#Enum("SPREAD", "STRADDLE","NONE","OTHER")-->

<!ENTITY % SECUREDENUM "(#PCDATA)">

<!--#ENTITY % SECUREDENUM		#Enum("NAKED", "COVERED")-->

<!ENTITY % SELLREASONENUM "(#PCDATA)">

<!--#ENTITY % SELLREASONENUM		#Enum("CALL", "MATURITY", "SELL")-->

<!ENTITY % SELLTYPEENUM "(#PCDATA)">

<!--#ENTITY % SELLTYPEENUM		#Enum("SELL", "SELLSHORT")-->

<!ENTITY % DURATIONENUM "(#PCDATA)">

<!--#ENTITY % DURATIONENUM		#Enum("DAY", "GOODTILCANCEL","IMMEDIATE")-->

<!ENTITY % RESTRICTIONENUM "(#PCDATA)">

<!--#ENTITY % RESTRICTIONENUM		#Enum("ALLORNONE", "MINUNITS","NONE")-->

<!ENTITY % INOUTENUM "(#PCDATA)">

<!--#ENTITY % INOUTENUM			#Enum("IN", "OUT")-->

<!ENTITY % UNITTYPEENUM "(#PCDATA)">

<!--#ENTITY % UNITTYPEENUM		#Enum("SHARES", "CURRENCY")-->

<!ENTITY % SUBACCTENUM "(#PCDATA)">

<!--#ENTITY % SUBACCTENUM		#Enum("CASH", "MARGIN","SHORT","OTHER")-->

<!ENTITY % OPTTYPEENUM "(#PCDATA)">

<!--#ENTITY % OPTTYPEENUM		#Enum("CALL", "PUT")-->

<!ENTITY % MFTENUM "(#PCDATA)">

<!--#ENTITY % MFTENUM			#Enum("OPENEND", "CLOSEEND","OTHER")-->

<!ENTITY % DEBTENUM "(#PCDATA)">

<!--#ENTITY % DEBTENUM			#Enum("COUPON","ZERO")-->

<!ENTITY % DEBTCLASSENUM "(#PCDATA)">

<!--#ENTITY % DEBTCLASSENUM		#Enum("TREASURY", "MUNICIPAL","CORPORATE","OTHER")-->

<!ENTITY % EXTDPMTFORENUM "(#PCDATA)">

<!--#ENTITY % EXTDPMTFORENUM		#Enum("INDIVIDUAL","BUSINESS")-->

<!ENTITY % COUPONFREQENUM "(#PCDATA)">

<!--#ENTITY % COUPONFREQENUM		#Enum("MONTHLY","QUARTERLY","SEMIANNUALLY","ANUALLY","OTHER")-->

<!ENTITY % CHARTYPEENUM "(#PCDATA)">

<!--#ENTITY % CHARTYPEENUM		#Enum("ALPHAONLY","NUMERICONLY","ALPHAORNUMERIC","ALPHAANDNUMERIC")-->

<!ENTITY % BALANCEENUM "(#PCDATA)">

<!--#ENTITY % BALANCEENUM		#Enum("DOLLAR","PERCENT","NUMBER")-->

<!ENTITY % ACCOUNTENUM "(#PCDATA)">

<!--#ENTITY % ACCOUNTENUM		#Enum("CHECKING","SAVINGS","MONEYMRKT","CREDITLINE")-->

<!--
	***********************************
	*   Entity Unused in the DTD      *
        ***********************************
-->

<!ENTITY % FREQENUM "(#PCDATA)">

<!--#ENTITY % FREQENUM			#Enum("WEEKLY","BIWEEKLY","TWICEMONTHLY","MONTHLY","FOURWEEKS","BIMONTHLY",

							"QUARTERLY","SEMIANNUALLY","TRIANNUALLY","ANUALLY")-->

<!ENTITY % DAYSENUM "(#PCDATA)">

<!--#ENTITY % DAYSENUM			#Enum("MONDAY","TUESDAY","WEDNESDAY","THURSDAY","FRIDAY",
							"SATURDAY","SUNDAY")-->

<!ENTITY % CLIENTROUTINGENUM "(#PCDATA)">

<!--#ENTITY % CLIENTROUTINGENUM	#Enum("NONE","SERVICE","MSGSET")-->

<!ENTITY % XFERSTATUSENUM "(#PCDATA)">

<!--#ENTITY % XFERSTATUSENUM		#Enum("WILLPROCESSON","POSTEDON","NOFUNDSON", "CANCELEDON", "FAILEDON")-->

<!ENTITY % TRANSACTIONENUM "(#PCDATA)">

<!--#ENTITY % TRANSACTIONENUM		#Enum("CREDIT","DEBIT","INT","DIV","FEE","SRVCHG","DEP","ATM",

			       			"POS","XFER","CHECK","PAYMENT","CASH","DIRECTDEP","DIRECTDEBIT",

			       			"REPEATPMT","OTHER")-->		

<!ENTITY % PMTPROCESSSTATUSENUM "(#PCDATA)">

<!--#ENTITY % PMTPROCESSSTATUSENUM	#Enum("WILLPROCESSON","PROCESSEDON","NOFUNDSON","FAILEDON",

							"CANCELEDON")-->

<!ENTITY % USPRODUCTENUM "(#PCDATA)">

<!--#ENTITY % USPRODUCTENUM		#Enum("401K","403B","IRA","KEOGH","OTHER","SARSEP","SIMPLE","NORMAL",

				   			"TDA","TRUST","UGMA")-->

<!ENTITY % SEVERITYENUM "(#PCDATA)">

<!--#ENTITY % SEVERITYENUM		#Enum("INFO","WARN","ERROR")-->

<!ENTITY % SECURITYENUM "(#PCDATA)">

<!--#ENTITY % SECURITYENUM		#Enum("NONE","TYPE1")-->

<!ENTITY % SYNCENUM "(#PCDATA)">

<!--#ENTITY % SYNCENUM			#Enum("FULL","LITE")-->

<!ENTITY % SERVICESTATUSENUM "(#PCDATA)">

<!--#ENTITY % SERVICESTATUSENUM	#Enum("AVAIL","PEND", "ACTIVE")-->

<!ENTITY % SERVICESTATUS2ENUM "(#PCDATA)">

<!--#ENTITY % SERVICESTATUS2ENUM	#Enum("AVAIL","PEND", "ACTIVE", "REJECTED")-->

<!ENTITY % SERVICEENUM "(#PCDATA)">

<!--#ENTITY % SERVICEENUM		#Enum("BANKSVC","BPSVC", "INVSVC", "PRESSVC")-->

<!ENTITY % CORRECTIVEACTENUM "(#PCDATA)">

<!--#ENTITY % CORRECTIVEACTENUM	#Enum("REPLACE","DELETE")-->

<!ENTITY % CHECKSTATUSENUM "(#PCDATA)">

<!--#ENTITY % CHECKSTATUSENUM		#Enum("0","1","100","101")-->

<!ENTITY % IDSCOPEENUM "(#PCDATA)">

<!--#ENTITY % IDSCOPEENUM		#Enum("GLOBAL","USER")-->

<!ENTITY % INVESTMENTACCOUNTENUM "(#PCDATA)">

<!--#ENTITY % INVESTMENTACCOUNTENUM	#Enum("INDIVIDUAL","JOINT", "TRUST", "CORPORATE")-->

<!ENTITY % PWTYPEENUM "(#PCDATA)">

<!--#ENTITY % PWTYPEENUM 		#Enum("FIXED","ONETIME","HWTOKEN")-->

<!ENTITY % PMTINSTRUMENTENUM "(#PCDATA)">

<!--#ENTITY % PMTINSTRUMENTENUM 	#Enum("CONCENTRATOR","CHECKINGACCOUNT","CREDITCARD","ECOIN")-->


<!ENTITY % LANGUAGEENUM "(#PCDATA)">

<!--#ENTITY % LANGUAGEENUM		#Enum("AAR","ABK","ACE","ACH","ADA","AFA","AFH","AFR",
 					"AJM","AKA","AKK","ALB","ALE","ALG","AMH","ANG",
					"APA","ARA","ARC","ARM","ARN","ARP","ART","ARW",
					"ASM","ATH","AVA","AVE","AWA","AYM","AZE","BAD",
					"BAI","BAK","BAL","BAM","BAN","BAQ","BAS","BAT",
 					"BEJ","BEL","BEM","BEN","BER","BHO","BIH","BIK",
		 			"BIN","BIS","BLA","BOD","BRA","BRE","BUG","BUL",
					"BUR","CAD","CAI","CAR","CAT","CAU","CEB","CEL",
					"CES","CHA","CHB","CHE","CHG","CHI","CHN","CHO",
					"CHR","CHU","CHV","CHY","COP","COR","COS","CPE",
					"CPF","CPP","CRE","CRP","CUS","CYM","CZE","DAK",
					"DAN","DEL","DEU","DIN","DOI","DRA","DUA","DUM",
					"DUT","DYU","DZO","EFI","EGY","EKA","ELL","ELX",
					"ENG","ENM","EPO","ESK","ESL","EST","ETH","EUS",
					"EWE","EWO","FAN","FAO","FAS","FAT","FIJ","FIN",
					"FIU","FON","FRA","FRE","FRM","FRO","FRY","FUL",
					"GAA","GAE","GAI","GAY","GDH","GEM","GEO","GER",
					"GIL","GLG","GMH","GOH","GON","GOT","GRB","GRC",
					"GRE","GRN","GUJ","HAI","HAU","HAW","HEB","HER",
					"HIL","HIM","HIN","HMO","HUN","HUP","HYE","IBA",
					"IBO","ICE","IJO","IKU","ILE","ILO","INA","INC",
					"IND","INE","IPK","IRA","IRI","IRO","ISL","ITA",
					"JAV","JAW","JPN","JPR","JRB","KAA","KAB","KAC",
					"KAL","KAM","KAN","KAR","KAS","KAT","KAU","KAW",
					"KAZ","KHA","KHI","KHM","KHO","KIK","KIN","KIR",
					"KOK","KON","KOR","KPE","KRO","KRU","KUA","KUR",
					"KUS","KUT","LAD","LAH","LAM","LAO","LAP","LAT",
					"LAV","LIN","LIT","LOL","LOZ","LUB","LUG","LUI",
					"LUN","LUO","MAC","MAD","MAG","MAH","MAI","MAK",
					"MAL","MAN","MAO","MAP","MAR","MAS","MAX","MAY",
					"MEN","MIC","MIN","MIS","MKE","MKH","MLG","MLT",
					"MNI","MNO","MOH","MOL","MON","MOS","MRI","MSA",
					"MUL","MUN","MUS","MWR","MYA","MYN","NAH","NAI",
					"NAU","NAV","NDE","NLD","NDO","NEP","NEW","NIC",
					"NIU","NON","NOR","NSO","NUB","NYA","NYM","NYN",
					"NYO","NZI","OCI","OJI","ORI","ORM","OSA","OSS",
					"OTA","OTO","PAA","PAG","PAL","PAM","PAN","PAP",
					"PAU","PEO","PER","PLI","POL","PON","POR","PRA",
					"PRO","PUS","QUE","RAJ","RAR","ROA","ROH","ROM",
					"RON","RUM","RUN","RUS","SAD","SAG","SAI","SAL",
					"SAM","SAN","SCO","SCR","SEL","SEM","SHN","SID",
					"SIN","SIO","SIT","SLA","SLK","SLO","SLV","SMO",
					"SNA","SND","SOG","SOM","SON","SOT","SPA","SQI",
					"SRR","SSA","SSW","SUK","SUN","SUS","SUX","SVE",
					"SWA","SWE","SYR","TAH","TAM","TAT","TEL","TEM",
					"TER","TGK","TGL","THA","TIB","TIG","TIR","TIV",
					"TLI","TOG","TON","TRU","TSI","TSN","TSO","TUK",
					"TUM","TUR","TUT","TWI","UGA","UIG","UKR","UMB",
					"UND","URD","UZB","VAI","VEN","VIE","VOL","VOT",
					"WAK","WAL","WAR","WAS","WEL","WEN","WOL","XHO",
					"YAO","YAP","YID","YOR","ZAP","ZEN","ZHA","ZHO",
					"ZUL","ZUN")-->


<!ENTITY % CURRENCYENUM "(#PCDATA)">

<!--#ENTITY % CURRENCYENUM		#Enum("ADP","AED","AFA","ALL","ANG","AOK","ARA","ATS","AUD",
					"AWG","BBD","BDT","BEF","BGL","BHD","BIF","BMD","BND",
					"BOB","BRC","BSD","BTN","BUK","BWP","BZD","CAD","CHF",
					"CLF","CLP","CNY","COP","CRC","CSK","CUP","CVE","CYP",
					"DDM","DEM","DJF","DKK","DOP","DZD","ECS","EGP","ESP",
					"ETB","EUR","FIM","FJD","FKP","FRF","GBP","GHC","GIP","GMD",
					"GNF","GRD","GTQ","GWP","GYD","HKD","HNL","HTG","HUF",
					"IDR","IEP","ILS","INR","IQD","IRR","ISK","ITL","JMD",
					"JOD","JPY","KES","KHR","KMF","KPW","KRW","KWD","KYD",
					"LAK","LBP","LKR","LRD","LSL","LUF","LYD","MAD","MGF",
					"MNT","MOP","MRO","MTL","MUR","MVR","MWK","MXP","MYR",
					"MZM","NGN","NIC","NLG","NOK","NPR","NZD","OMR","PAB",
					"PEI","PGK","PHP","PKR","PLZ","PTE","PYG","QAR","ROL",
					"RWF","SAR","SBD","SCR","SDP","SEK","SGD","SHP","SLL",
					"SOS","SRG","STD","SUR","SVC","SYP","SZL","THB","TND",
					"TOP","TPE","TRL","TTD","TWD","TZS","UGS","USD","UYP",
					"VEB","VND","VUV","WST","YDD","YER","YUD","ZAR","ZMK",
					"ZRZ","ZWD")-->


<!ENTITY % PAYEEMODENUM "(#PCDATA)">

<!--#ENTITY % PAYEEMODENUM	#Enum("NEVER", "IFREQUESTED")-->

<!ENTITY % BILLTYPEENUM "(#PCDATA)">

<!--#ENTITY % BILLTYPEENUM	#Enum("BILL", "STATEMENT", "NOTICE")-->

<!ENTITY % BILLSTATUSCODEENUM "(#PCDATA)">

<!--#ENTITY % BILLSTATUSCODEENUM	#Enum("NEW", "DELIVERED", "VIEWED", "RETIRED", 
                                          "WITHDRAWN", "UNDELIVERABLE")-->

<!ENTITY % BILLPMTSTATUSCODEENUM "(#PCDATA)">

<!--#ENTITY % BILLPMTSTATUSCODEENUM	#Enum("NONE", "SCHEDULED", "PROCESSED", "POSTED", 
                                          "PAIDOUTOFBAND", "AUTOPAY", "CANCELLED", 
                                          "UNPAYABLE")-->

<!ENTITY % STATUSMODBYENUM "(#PCDATA)">

<!--#ENTITY % STATUSMODBYENUM	#Enum("CUSTOMER", "CUSTAGENT", "BILLPUBLISHER", 
                                      "BILLPUBLISHERSR", "PMTPROVIDER", 
                                      "PMTPROVIDERSR", "BILLER", "BILLERSR")-->


<!ENTITY %  INV401KSOURCEENUM "(#PCDATA)" >

<!--#ENTITY %  INV401KSOURCEENUM #Enum("PRETAX", "AFTERTAX", "MATCH", "PROFITSHARING", "ROLLOVER", 
                                       "OTHERVEST", "OTHERNONVEST") -->


<!-- ============================================================================= -->

<!-- ENTITIES - macros

    This section defines macros used in one or more modules
    where a new level of aggregation was not desired but
    common structure is present

-->

<!-- ============================================================================= -->


<!-- 
     Sync macros: all sync requests/responses have same form, but
     have own name.  Although we could use the multiple-element syntax and put
     them all here, we'd rather keep service-specific names in the service files.
     Thus, we have a macro here that is trivially referenced in each service module 
-->

<!ENTITY % SYNCRQMACRO "((TOKEN | TOKENONLY | REFRESH ), REJECTIFMISSING)" >   

<!ENTITY % SYNCRSMACRO "(TOKEN, LOSTSYNC?)">


<!-- 
     Transaction Macro: all transaction requests have same form
     but own name.  Didn't want to create a new sub-aggregate
     to hold these elements so use a macro to incorporate them
     into each XXXTRNRQ and XXXTRNRS 
-->

<!ENTITY % TRNRQMACRO "(TRNUID, CLTCOOKIE?, TAN?)">

<!ENTITY % TRNRSMACRO "(TRNUID, STATUS, CLTCOOKIE?)">


<!-- 
     Account from and account info: if you add a new service and it adds
     a specific account from or account info aggregate, add it here so it will be
     known to aggregates such as the account info request 
-->

<!ENTITY % ACCTFROMMACRO "(BANKACCTFROM | CCACCTFROM | INVACCTFROM| PRESACCTFROM)">

<!ENTITY % ACCTTOMACRO "(BANKACCTTO | CCACCTTO | INVACCTTO | PRESACCTTO)">

<!ENTITY % ACCTINFOMACRO "(BANKACCTINFO | CCACCTINFO | BPACCTINFO | INVACCTINFO | PRESACCTINFO)">


<!-- ============================================================================= -->

<!--
*********************************************************************************
*                          OFX  Root Element                                    *
*********************************************************************************
-->

<!-- ============================================================================= -->

<!--

    Open Financial Exchange Element Structure
    This section defines common and high-level elements.
    New requests and responses need to be added to the TRNRQ/TRNRS elements here
-->

<!-- ============================================================================= -->


<!-- Top-level -->

<!-- Add the 'meta-token' for sync requests from each
     service module here -->

<!--
***************************************************************
*  Version 2.0 Modification:  Deleted entity %EXTRARQMSGSETS; *
*              at the end of the the %OFXRQMSGSETS entity.    *
***************************************************************
-->

<!ENTITY % OFXRQMSGSETS  "SIGNONMSGSRQV1,
                          SIGNUPMSGSRQV1?,
                          BANKMSGSRQV1?,
                          CREDITCARDMSGSRQV1?,
                          INVSTMTMSGSRQV1?,
                          INTERXFERMSGSRQV1?,
                          WIREXFERMSGSRQV1?,
                          BILLPAYMSGSRQV1?,
                          EMAILMSGSRQV1?,
                          SECLISTMSGSRQV1?,
                          PRESDIRMSGSRQV1?,
                          PRESDLVMSGSRQV1?,
                          PROFMSGSRQV1?,
                          TAX1099MSGSRQV1?,
                          TAXW2MSGSRQV1?">

<!--
***************************************************************
*  Version 2.0 Modification:  Deleted entity %EXTRARQMSGSETS; *
*              at the end of the the %OFXRSMSGSETS entity.    *
***************************************************************
-->

<!ENTITY % OFXRSMSGSETS    "SIGNONMSGSRSV1,
                            SIGNUPMSGSRSV1?,
                            BANKMSGSRSV1?,
                            CREDITCARDMSGSRSV1?,
                            INVSTMTMSGSRSV1?,
                            INTERXFERMSGSRSV1?,
                            WIREXFERMSGSRSV1?,
                            BILLPAYMSGSRSV1?,
                            EMAILMSGSRSV1?,
                            SECLISTMSGSRSV1?,
                            PRESDIRMSGSRSV1?,
                            PRESDLVMSGSRSV1?,
                            PROFMSGSRSV1?,
                            TAX1099MSGSRSV1?, 
                            TAXW2MSGSRSV1?">                


<!ELEMENT OFX    ((%OFXRQMSGSETS;) | (%OFXRSMSGSETS;))>

<!-- Signon Message set -->

<!-- Different from most: only one sonrq and at most one
     pin change allowed 
-->

<!ELEMENT SIGNONMSGSRQV1     (SONRQ, PINCHTRNRQ?, CHALLENGETRNRQ?)>

<!ELEMENT SIGNONMSGSRSV1     (SONRS, PINCHTRNRS?, CHALLENGETRNRS?)>


<!-- Signon message set profile entry -->

<!ELEMENT SIGNONMSGSET       (SIGNONMSGSETV1)>

<!ELEMENT SIGNONMSGSETV1          (MSGSETCORE)>


<!-- Transactions -->

<!ELEMENT PINCHTRNRQ     (%TRNRQMACRO;, PINCHRQ)>

<!ELEMENT CHALLENGETRNRQ     (%TRNRQMACRO;, CHALLENGERQ)>

<!ELEMENT PINCHTRNRS     (%TRNRSMACRO;, PINCHRS?)>

<!ELEMENT CHALLENGETRNRS     (%TRNRSMACRO;, CHALLENGERS?)>


<!-- Signon Request and Response -->

<!ELEMENT SONRQ 	 (DTCLIENT, ((USERID, USERPASS) | USERKEY),
                          GENUSERKEY?, LANGUAGE, FI?, SESSCOOKIE?, APPID, 
                          APPVER)>

<!ELEMENT FI             (ORG, FID?)>

<!ELEMENT ORG            %GENNAMETYPE;>

<!ELEMENT FID            %FIIDTYPE;>

<!ELEMENT SESSCOOKIE     %SESSCOOKIETYPE;>

<!ELEMENT SONRS		 (STATUS, DTSERVER, USERKEY?, 
                          TSKEYEXPIRE?, LANGUAGE,
                          DTPROFUP?, DTACCTUP?, FI?, SESSCOOKIE?)>

<!-- PIN Change request and response -->

<!ELEMENT PINCHRQ    (USERID, NEWUSERPASS)>

<!ELEMENT PINCHRS    (USERID, DTCHANGED?)>

<!ELEMENT NEWUSERPASS	 %PASSWORDTYPE;>

<!ELEMENT DTCHANGED      %DTTMTYPE;>

<!-- Challenge request and response -->

<!ELEMENT CHALLENGERQ    (USERID, FICERTID?)>

<!ELEMENT CHALLENGERS    (USERID, NONCE, FICERTID)>

<!ELEMENT NONCE 	 %NONCETYPE;>

<!ELEMENT FICERTID 	 %FICERTIDTYPE;>


<!-- ============================================================================= -->
<!--            Message Entries for Message Sets                                   -->
<!-- ============================================================================= -->

<!ELEMENT BANKMSGSET         (BANKMSGSETV1)>

<!ELEMENT CREDITCARDMSGSET   (CREDITCARDMSGSETV1)>

<!ELEMENT INTERXFERMSGSET    (INTERXFERMSGSETV1)>

<!ELEMENT WIREXFERMSGSET     (WIREXFERMSGSETV1)>


<!-- ============================================================================= -->
<!--            Message Set Profile Data                                           -->
<!-- ============================================================================= -->

<!-- Banking Message Set -->

<!ELEMENT BANKMSGSETV1         (MSGSETCORE, INVALIDACCTTYPE*, CLOSINGAVAIL, XFERPROF?,
                                STPCHKPROF?, EMAILPROF)>

<!-- Credit Card Message Set -->

<!ELEMENT CREDITCARDMSGSETV1   (MSGSETCORE, CLOSINGAVAIL)>

<!-- Interbank Transfer Message Set -->

<!ELEMENT INTERXFERMSGSETV1     (MSGSETCORE, XFERPROF, CANBILLPAY, CANCELWND, DOMXFERFEE, 
                                 INTLXFERFEE)>

<!-- Wire Transfer Message Set -->

<!ELEMENT WIREXFERMSGSETV1        (MSGSETCORE, PROCDAYSOFF*, PROCENDTM, CANSCHED, DOMXFERFEE, 
                                   INTLXFERFEE)>

<!ELEMENT XFERPROF     (PROCDAYSOFF*, PROCENDTM, CANSCHED, CANRECUR, CANMODXFERS, 
                        CANMODMDLS, MODELWND, DAYSWITH, DFLTDAYSTOPAY)>

<!ELEMENT STPCHKPROF   (PROCDAYSOFF*, PROCENDTM, CANUSERANGE, CANUSEDESC, STPCHKFEE)>

<!ELEMENT EMAILPROF   (CANEMAIL, CANNOTIFY)>


<!--    Can schedule transfers -->

<!ELEMENT CANSCHED	 %BOOLTYPE;>

<!--    Can modify pending transfers -->

<!ELEMENT CANMODXFERS	 %BOOLTYPE;>

<!-- 	Can use description to stop a check -->

<!ELEMENT CANUSEDESC	 %BOOLTYPE;>

<!-- 	Can use range to stop checks -->

<!ELEMENT CANUSERANGE	 %BOOLTYPE;>

<!--    Default stop check fee -->

<!ELEMENT STPCHKFEE      %AMTTYPE;>

<!-- 	Can handle email -->

<!ELEMENT CANEMAIL	 %BOOLTYPE;>

<!-- 	Can send notifications -->

<!ELEMENT CANNOTIFY	 %BOOLTYPE;>

<!--    Unsupported account types -->

<!ELEMENT INVALIDACCTTYPE  %ACCOUNTENUM;>

<!-- 	Can return closing statement info -->

<!ELEMENT CLOSINGAVAIL	 %BOOLTYPE;>

<!-- 	Can use interbank transfers for bill pay -->

<!ELEMENT CANBILLPAY	 %BOOLTYPE;>

<!-- Number of days after which a transfer is processed that it can be canceled -->

<!ELEMENT CANCELWND		%DAYSPANTYPE;>	

<!-- Fee for sending a domestic transfer transfer -->

<!ELEMENT DOMXFERFEE		%AMTTYPE;>	

<!-- Fee for sending an international transfer -->

<!ELEMENT INTLXFERFEE		%AMTTYPE;>	


<!-- ============================================================================= -->
<!--             Message Sets                                                      -->
<!-- ============================================================================= -->


<!-- Banking Messages Request Sets and their contained TRN requests -->

<!ELEMENT BANKMSGSRQV1         ((STMTTRNRQ   | STMTENDTRNRQ  | INTRATRNRQ | RECINTRATRNRQ | 
                                STPCHKTRNRQ  | BANKMAILTRNRQ | BANKMAILSYNCRQ |
                                STPCHKSYNCRQ | INTRASYNCRQ   | RECINTRASYNCRQ)+) >

<!ELEMENT  CREDITCARDMSGSRQV1   ((CCSTMTTRNRQ | CCSTMTENDTRNRQ)+)>

<!ELEMENT WIREXFERMSGSRQV1      ((WIRETRNRQ   | WIRESYNCRQ)+)>

<!ELEMENT INTERXFERMSGSRQV1    ((INTERTRNRQ  | RECINTERTRNRQ | INTERSYNCRQ | 
                                 RECINTERSYNCRQ)+)>  

<!-- Banking Message Set -->

<!ELEMENT STMTTRNRQ      (%TRNRQMACRO;, STMTRQ)>

<!ELEMENT STMTENDTRNRQ   (%TRNRQMACRO;, STMTENDRQ)>

<!ELEMENT STPCHKTRNRQ    (%TRNRQMACRO;, STPCHKRQ)>

<!ELEMENT INTRATRNRQ     (%TRNRQMACRO;, (INTRARQ | INTRAMODRQ | INTRACANRQ))>

<!ELEMENT RECINTRATRNRQ  (%TRNRQMACRO;, (RECINTRARQ | RECINTRAMODRQ | RECINTRACANRQ))>

<!ELEMENT BANKMAILTRNRQ  (%TRNRQMACRO;, BANKMAILRQ)>

<!-- Credit Card Message Set -->

<!ELEMENT CCSTMTTRNRQ       (%TRNRQMACRO;, CCSTMTRQ)>

<!ELEMENT CCSTMTENDTRNRQ    (%TRNRQMACRO;, CCSTMTENDRQ)>

<!-- Interbank Transfer Message Set -->

<!ELEMENT INTERTRNRQ       (%TRNRQMACRO;, (INTERRQ | INTERMODRQ | INTERCANRQ))>

<!ELEMENT RECINTERTRNRQ    (%TRNRQMACRO;, (RECINTERRQ | RECINTERMODRQ | RECINTERCANRQ))>

<!-- Wire Transfer Message Set -->

<!ELEMENT WIRETRNRQ      (%TRNRQMACRO;, (WIRERQ | WIRECANRQ))>

<!-- Banking Messages Response Sets and their contained TRN responses -->

<!ELEMENT BANKMSGSRSV1     ((STMTTRNRS   | STMTENDTRNRS  | INTRATRNRS | RECINTRATRNRS | 
                            STPCHKTRNRS  | BANKMAILTRNRS | BANKMAILSYNCRS |
                            STPCHKSYNCRS | INTRASYNCRS   | RECINTRASYNCRS)+)>

<!ELEMENT CREDITCARDMSGSRSV1  ((CCSTMTTRNRS | CCSTMTENDTRNRS)+)>

<!ELEMENT WIREXFERMSGSRSV1    ((WIRETRNRS   | WIRESYNCRS)+)>
                                  
<!ELEMENT INTERXFERMSGSRSV1    ((INTERTRNRS  | RECINTERTRNRS | INTERSYNCRS | RECINTERSYNCRS)+)>  

<!-- Banking TRN responses -->

<!-- Banking Message Set -->

<!ELEMENT STMTTRNRS      (%TRNRSMACRO;, STMTRS?)>

<!ELEMENT STMTENDTRNRS   (%TRNRSMACRO;, STMTENDRS?)>

<!ELEMENT STPCHKTRNRS    (%TRNRSMACRO;, STPCHKRS?)>

<!ELEMENT INTRATRNRS     (%TRNRSMACRO;, (INTRARS | INTRAMODRS | INTRACANRS)?)>

<!ELEMENT RECINTRATRNRS  (%TRNRSMACRO;, (RECINTRARS | RECINTRAMODRS | RECINTRACANRS)?)>

<!ELEMENT BANKMAILTRNRS  (%TRNRSMACRO;, (BANKMAILRS | CHKMAILRS | DEPMAILRS)?)>

<!-- Credit Card Message Set -->

<!ELEMENT CCSTMTTRNRS     (%TRNRSMACRO;, CCSTMTRS?)>

<!ELEMENT CCSTMTENDTRNRS  (%TRNRSMACRO;, CCSTMTENDRS?)>

<!-- Interbank Transfer Message Set -->

<!ELEMENT INTERTRNRS       (%TRNRSMACRO;, (INTERRS | INTERMODRS | INTERCANRS)?)>

<!ELEMENT RECINTERTRNRS    (%TRNRSMACRO;, (RECINTERRS | RECINTERMODRS | RECINTERCANRS)?)>

<!-- Wire Transfer Message Set -->

<!ELEMENT WIRETRNRS      (%TRNRSMACRO;, (WIRERS | WIRECANRS)?)>

<!-- ============================================================================= -->
<!--            Requests                                                           -->
<!-- ============================================================================= -->

<!-- statement request -->

<!ELEMENT STMTRQ  (BANKACCTFROM, INCTRAN?)>

<!-- credit card statement request -->

<!ELEMENT CCSTMTRQ  (CCACCTFROM, INCTRAN?)>

<!-- closing statement request request -->

<!ELEMENT STMTENDRQ  (BANKACCTFROM, DTSTART?, DTEND?)>

<!-- credit card closing statement request  -->

<!ELEMENT CCSTMTENDRQ  (CCACCTFROM, DTSTART?, DTEND?)>

<!-- stop check request -->

<!ELEMENT STPCHKRQ  (BANKACCTFROM, (CHKRANGE|CHKDESC))> 


<!-- intrabank transfer request -->

<!ELEMENT INTRARQ  (XFERINFO)>

<!ELEMENT INTRAMODRQ  (SRVRTID, XFERINFO)> 

<!ELEMENT INTRACANRQ  (SRVRTID)>

<!-- interbank transfer request -->

<!ELEMENT INTERRQ  (XFERINFO)> 

<!ELEMENT INTERMODRQ  (SRVRTID, XFERINFO )>

<!ELEMENT INTERCANRQ  (SRVRTID)>

<!-- wire transfer request -->

<!ELEMENT WIRERQ  (BANKACCTFROM, WIREBENEFICIARY, WIREDESTBANK?, TRNAMT, DTDUE?, 
                   PAYINSTRUCT?)> 

<!ELEMENT WIRECANRQ  (SRVRTID)>

<!-- recurring intra transfer request -->

<!ELEMENT RECINTRARQ  (RECURRINST, INTRARQ)>

<!-- recurring intra transfer modification request -->

<!ELEMENT RECINTRAMODRQ  (RECSRVRTID, RECURRINST, INTRARQ, MODPENDING)>

<!-- recurring intra transfer cancellation request -->

<!ELEMENT RECINTRACANRQ  (RECSRVRTID, CANPENDING)>

<!-- recurring inter transfer request -->

<!ELEMENT RECINTERRQ  (RECURRINST, INTERRQ )>

<!-- recurring inter transfer modification request -->

<!ELEMENT RECINTERMODRQ  (RECSRVRTID, RECURRINST, INTERRQ, MODPENDING)>

<!-- recurring inter transfer cancellation request -->

<!ELEMENT RECINTERCANRQ  (RECSRVRTID, CANPENDING)> 

<!-- bank mail request -->

<!ELEMENT BANKMAILRQ  ((BANKACCTFROM | CCACCTFROM), MAIL)>


<!-- ============================================================================= -->
<!--            Synchronization                                                    -->
<!-- ============================================================================= -->

<!-- stop check synchronization request -->

<!ELEMENT STPCHKSYNCRQ  (%SYNCRQMACRO;, BANKACCTFROM, STPCHKTRNRQ*)>

<!-- OFX 2.0 -->
<!-- FROM BANKACCTFROM to (BANKACCTFROM | CCACCTFROM) -->
<!ELEMENT INTRASYNCRQ  (%SYNCRQMACRO;, (BANKACCTFROM | CCACCTFROM), INTRATRNRQ*)>

<!-- OFX 2.0 -->
<!-- FROM BANKACCTFROM to (BANKACCTFROM | CCACCTFROM) -->
<!ELEMENT INTERSYNCRQ  (%SYNCRQMACRO;, (BANKACCTFROM | CCACCTFROM), INTERTRNRQ*)>

<!-- wire transfer synchronization request -->

<!ELEMENT WIRESYNCRQ  (%SYNCRQMACRO;, BANKACCTFROM, WIRETRNRQ*)>

<!--
  recurring intra transfer synchronization request, 
  for transactions <RECINTRARQ>,<RECINTRAMODRQ>, and/or <RECINTRACANRQ>
-->

<!-- OFX 2.0 -->
<!-- FROM BANKACCTFROM to (BANKACCTFROM | CCACCTFROM) -->
<!ELEMENT RECINTRASYNCRQ  (%SYNCRQMACRO;, (BANKACCTFROM | CCACCTFROM), RECINTRATRNRQ*)>

<!--
  recurring inter transfer synchronization request, 
  for transactions <RECINTERRQ>,<RECINTERMODRQ>, and/or <RECINTERCANRQ>
-->

<!-- OFX 2.0 -->
<!-- FROM BANKACCTFROM to (BANKACCTFROM | CCACCTFROM) -->
<!ELEMENT RECINTERSYNCRQ  (%SYNCRQMACRO;, (BANKACCTFROM | CCACCTFROM), RECINTERTRNRQ*)>

<!-- bank mail synchronization request -->

<!ELEMENT BANKMAILSYNCRQ  (%SYNCRQMACRO;, INCIMAGES, USEHTML, (BANKACCTFROM | CCACCTFROM), 
                           BANKMAILTRNRQ*)>


<!-- ============================================================================= -->
<!--            Responses                                                          -->
<!-- ============================================================================= -->

<!-- statement response -->

<!ELEMENT STMTRS 	(CURDEF, BANKACCTFROM, BANKTRANLIST?, LEDGERBAL, AVAILBAL?, 
                         MKTGINFO?)>

<!-- credit card statement response -->

<!ELEMENT CCSTMTRS 	(CURDEF, CCACCTFROM, BANKTRANLIST?, LEDGERBAL, AVAILBAL?, 
                         MKTGINFO?)>

<!-- closing info response -->

<!ELEMENT STMTENDRS 	(CURDEF, BANKACCTFROM, CLOSING*)>

<!-- credit card closing info response -->

<!ELEMENT CCSTMTENDRS 	(CURDEF, CCACCTFROM, CCCLOSING*)>

<!-- stop check response -->

<!ELEMENT STPCHKRS  (CURDEF, BANKACCTFROM, STPCHKNUM+,
                        FEE, FEEMSG)>

<!ELEMENT INTRARS  (CURDEF, SRVRTID, XFERINFO, (DTXFERPRJ|DTPOSTED)?, 
                    RECSRVRTID?, XFERPRCSTS?)>	

<!ELEMENT INTRAMODRS  (SRVRTID, XFERINFO, XFERPRCSTS?)>

<!ELEMENT INTRACANRS  (SRVRTID)>

<!ELEMENT INTERRS  (CURDEF, SRVRTID, XFERINFO,
                    (DTXFERPRJ | DTPOSTED)?, REFNUM?, RECSRVRTID?, 
                    XFERPRCSTS?)>

<!ELEMENT INTERMODRS  (SRVRTID, XFERINFO, XFERPRCSTS?)>

<!ELEMENT INTERCANRS  (SRVRTID)>

<!ELEMENT WIRERS  (CURDEF, SRVRTID, BANKACCTFROM, WIREBENEFICIARY,
                   WIREDESTBANK?, TRNAMT, DTDUE?, PAYINSTRUCT?,
                   (DTXFERPRJ | DTPOSTED)?, FEE?, CONFMSG?)>

<!ELEMENT WIRECANRS	 (SRVRTID)>

<!-- recurring intra transfer response -->

<!ELEMENT RECINTRARS  (RECSRVRTID, RECURRINST, INTRARS)>

<!-- recurring intra transfer modification request -->

<!ELEMENT RECINTRAMODRS  (RECSRVRTID, RECURRINST, INTRARS, MODPENDING)>

<!-- recurring intra transfer cancellation response -->

<!ELEMENT RECINTRACANRS	 (RECSRVRTID, CANPENDING)>

<!-- recurring inter transfer response -->

<!ELEMENT RECINTERRS  (RECSRVRTID, RECURRINST, INTERRS)>

<!-- recurring inter transfer modification request -->

<!ELEMENT RECINTERMODRS	 (RECSRVRTID, RECURRINST, INTERRS, MODPENDING)>

<!-- recurring inter transfer cancellation response -->

<!ELEMENT RECINTERCANRS	 (RECSRVRTID, CANPENDING)>

<!-- bank mail response -->

<!ELEMENT BANKMAILRS  ((BANKACCTFROM | CCACCTFROM), MAIL)>

<!-- returned check mail response -->

<!ELEMENT CHKMAILRS  (BANKACCTFROM, MAIL, CHECKNUM, TRNAMT?, DTUSER?, FEE?)>

<!-- returned deposit mail response -->

<!ELEMENT DEPMAILRS  (BANKACCTFROM, MAIL, TRNAMT, DTUSER?, FEE?)>

<!-- stop check synchronization response -->

<!ELEMENT STPCHKSYNCRS  (%SYNCRSMACRO;, BANKACCTFROM,  STPCHKTRNRS*)>

<!-- intrabank transfer sync response -->

<!-- OFX 2.0 -->
<!-- FROM BANKACCTFROM to (BANKACCTFROM | CCACCTFROM) -->
<!ELEMENT INTRASYNCRS  (%SYNCRSMACRO;, (BANKACCTFROM | CCACCTFROM), INTRATRNRS*)>

<!-- interbank transfer sync response -->

<!-- OFX 2.0 -->
<!-- FROM BANKACCTFROM to (BANKACCTFROM | CCACCTFROM) -->
<!ELEMENT INTERSYNCRS  (%SYNCRSMACRO;, (BANKACCTFROM | CCACCTFROM), INTERTRNRS*)>

<!-- wire transfer synchronization response -->

<!ELEMENT WIRESYNCRS  (%SYNCRSMACRO;, BANKACCTFROM, WIRETRNRS*)>

<!-- intrabank transfer synchronization response -->

<!-- OFX 2.0 -->
<!-- FROM BANKACCTFROM to (BANKACCTFROM | CCACCTFROM) -->
<!ELEMENT RECINTRASYNCRS      (%SYNCRSMACRO;, (BANKACCTFROM | CCACCTFROM), RECINTRATRNRS*)>

<!-- 
  recurring inter transfer synchronization response, 
  for transactions <RECINTERRS>,<RECINTERRS>, and/or <RECINTERCANRS>
-->

<!-- OFX 2.0 -->
<!-- FROM BANKACCTFROM to (BANKACCTFROM | CCACCTFROM) -->
<!ELEMENT RECINTERSYNCRS	 (%SYNCRSMACRO;, (BANKACCTFROM | CCACCTFROM), RECINTERTRNRS*)>

<!-- BANK MAIL synchronization request -->

<!ELEMENT BANKMAILSYNCRS  (%SYNCRSMACRO;, (BANKACCTFROM | CCACCTFROM), BANKMAILTRNRS*)>


<!-- ============================================================================= -->
<!--            Aggregates                                                         -->
<!-- ============================================================================= -->

<!-- BANKACCTINFO CCACCTINFO -->

<!ELEMENT BANKACCTINFO   (BANKACCTFROM, SUPTXDL, XFERSRC, XFERDEST, SVCSTATUS)>

<!ELEMENT CCACCTINFO     (CCACCTFROM, SUPTXDL, XFERSRC, XFERDEST, SVCSTATUS)>

<!ELEMENT SUPTXDL        %BOOLTYPE;>

<!ELEMENT XFERSRC        %BOOLTYPE;>

<!ELEMENT XFERDEST       %BOOLTYPE;>

<!--
	statement transaction data
-->

<!ELEMENT BANKTRANLIST    	 (DTSTART, DTEND, STMTTRN*)>


<!--
	Ledger balance
-->

<!ELEMENT LEDGERBAL      (BALAMT, DTASOF)>


<!--
	Available balance
-->

<!ELEMENT AVAILBAL       (BALAMT, DTASOF)>

<!--
	credit card statement information
-->

<!ELEMENT CCCLOSING	 (FITID, DTOPEN?, DTCLOSE, DTNEXT?, BALOPEN?, BALCLOSE ,
			  DTPMTDUE?, MINPMTDUE?, FINCHG?, PAYANDCREDIT?, 
                          PURANDADV?, DEBADJ?, CREDITLIMIT?, DTPOSTSTART, 
                          DTPOSTEND, MKTGINFO?, (CURRENCY | ORIGCURRENCY)? )>

<!--
	non-Credit Card account types
-->

<!ELEMENT CLOSING	(FITID, DTOPEN?, DTCLOSE, DTNEXT?, BALOPEN?, BALCLOSE, BALMIN? ,
                         DEPANDCREDIT?, CHKANDDEB?, TOTALFEES?, TOTALINT? ,
                         DTPOSTSTART, DTPOSTEND, MKTGINFO?, (CURRENCY | ORIGCURRENCY)? )>


<!-- Opening statement date -->

<!ELEMENT DTOPEN		%DTTMTYPE;>


<!-- Closing statement date -->

<!ELEMENT DTCLOSE		%DTTMTYPE;>


<!-- Closing date of next statement -->

<!ELEMENT DTNEXT		%DTTMTYPE;>

	

<!-- Opening statement balance -->

<!ELEMENT BALOPEN		%AMTTYPE;>


<!-- Closing statement balance -->

<!ELEMENT BALCLOSE	 %AMTTYPE;>


<!-- Payment due date -->

<!ELEMENT DTPMTDUE		%DTTMTYPE;>

<!-- Minimum amount due -->

<!ELEMENT MINPMTDUE		%AMTTYPE;>


<!-- Finance charges -->

<!ELEMENT FINCHG	 %AMTTYPE;>


<!-- Total of payments and credits -->

<!ELEMENT PAYANDCREDIT		%AMTTYPE;>


<!-- Total of purchases and cash advance -->

<!ELEMENT PURANDADV		%AMTTYPE;>


<!-- Debit adjustments -->

<!ELEMENT DEBADJ		%AMTTYPE;>


<!-- Current credit limit -->

<!ELEMENT CREDITLIMIT			%AMTTYPE;>


<!-- Minimum balance in statement period -->

<!ELEMENT BALMIN	 %AMTTYPE;>


<!-- Total of deposits and credits -->

<!ELEMENT DEPANDCREDIT	 %AMTTYPE;>


<!-- Total of checks and debits	-->

<!ELEMENT CHKANDDEB		%AMTTYPE;>

<!-- Total fees	-->

<!ELEMENT TOTALFEES		%AMTTYPE;>

<!-- Total interest	-->

<!ELEMENT TOTALINT		%AMTTYPE;>

<!-- Start date for posted transactions -->

<!ELEMENT DTPOSTSTART  %DTTMTYPE;>

<!-- End date for posted transactions -->

<!ELEMENT DTPOSTEND  %DTTMTYPE;>

<!-- statement transaction aggregate -->

<!ELEMENT STMTTRN	 (TRNTYPE, DTPOSTED, DTUSER?, DTAVAIL?, TRNAMT, FITID,
 		          (CORRECTFITID, CORRECTACTION)?, ( SPNAME?, SRVRTID )?, 
                          CHECKNUM?, REFNUM?, SIC?, PAYEEID?, 
                          (NAME | PAYEE)?, (BANKACCTTO | CCACCTTO)?, 
                          MEMO?, (CURRENCY | ORIGCURRENCY)?, INV401KSOURCE?)> 

<!-- Status of request -->

<!ELEMENT TRNTYPE	 %TRANSACTIONENUM;>

<!-- Date transaction was posted to account -->

<!ELEMENT DTPOSTED		%DTTMTYPE;>

<!-- Date user initiated transaction, if known -->	

<!ELEMENT DTUSER	 %DTTMTYPE;>

<!-- Standard Industrial Code -->

<!ELEMENT SIC		%SICTYPE;>	

<!--  Source of cash used for 401K security. Allowed values are
      PRETAX, AFTERTAX, MATCH, PROFITSHARING, ROLLOVER, OTHERVEST, 
      OTHERNONVEST 
-->

<!ELEMENT INV401KSOURCE  %INV401KSOURCEENUM; >

<!-- Check range aggregate. -->

<!ELEMENT CHKRANGE		(CHKNUMSTART, CHKNUMEND?)>

<!-- Check description aggregate. -->

<!ELEMENT CHKDESC	 (NAME, CHECKNUM?, DTUSER?, TRNAMT?)>	

<!-- Start check number -->

<!ELEMENT CHKNUMSTART	 %CHECKNUMTYPE;>

<!-- Ending check number to cancel -->

<!ELEMENT CHKNUMEND	 %CHECKNUMTYPE;>

<!-- Reference number -->

<!ELEMENT REFNUM		%REFNUMTYPE;>

<!-- stopped check item -->

<!ELEMENT STPCHKNUM	(CHECKNUM, NAME?, DTUSER?, TRNAMT?, 
                         CHKSTATUS, CHKERROR?, (CURRENCY | ORIGCURRENCY)?)>

<!-- Status code for individual stop check request -->

<!ELEMENT CHKSTATUS		%CHECKSTATUSENUM;>	

<!-- Further textual error explanation -->

<!ELEMENT CHKERROR	 %MSGTYPE;>	

<!-- Transfer information aggregate -->

<!ELEMENT XFERINFO		((BANKACCTFROM | CCACCTFROM), (BANKACCTTO | CCACCTTO), 
                                 TRNAMT, DTDUE?)>

<!-- Transfer processing status -->

<!ELEMENT XFERPRCSTS		(XFERPRCCODE, DTXFERPRC)>

<!--  Transfers processing date; enum for processing date interpretation -->

<!ELEMENT XFERPRCCODE	 %XFERSTATUSENUM;>		

<!-- Date transfer is expected to be processed -->

<!ELEMENT DTXFERPRC 	%DTTMTYPE;>

<!-- Date transaction is projected for posting to account -->

<!ELEMENT DTXFERPRJ 	%DTTMTYPE;>

<!-- Beneficiary of a wire transfer -->

<!ELEMENT WIREBENEFICIARY  (NAME, BANKACCTTO, MEMO?)>

<!-- Beneficiary's bank for a wire transfer -->

<!ELEMENT WIREDESTBANK  (EXTBANKDESC)>

<!-- Extended description of a bank for a wire transfer -->

<!ELEMENT EXTBANKDESC  (NAME, BANKID, (ADDR1,(ADDR2,ADDR3?)?), CITY, 
                        STATE, POSTALCODE, COUNTRY?, PHONE?)>

<!-- Payment instructions for a wire transfer -->

<!ELEMENT PAYINSTRUCT		%MSGTYPE;>

<!-- Fee assessed for the transfer -->

<!ELEMENT FEE		%AMTTYPE;>

<!-- Description of fee -->

<!ELEMENT FEEMSG     %SHORTMSGTYPE;>

<!-- Transfer confirmation message -->

<!ELEMENT CONFMSG		%MSGTYPE;>


<!-- Message Set Wrappers and Profile -->

<!ELEMENT BILLPAYMSGSRQV1            ((PAYEETRNRQ | PAYEESYNCRQ)*,
                                     (PMTTRNRQ | RECPMTTRNRQ | PMTINQTRNRQ | PMTMAILTRNRQ |
                                     PMTSYNCRQ | RECPMTSYNCRQ | PMTMAILSYNCRQ)*)>

<!ELEMENT BILLPAYMSGSRSV1            ((PAYEETRNRS | PAYEESYNCRS)*,
                                     (PMTTRNRS | RECPMTTRNRS | PMTINQTRNRS | PMTMAILTRNRS |
                                      PMTSYNCRS | RECPMTSYNCRS | PMTMAILSYNCRS)*)>

<!ELEMENT BILLPAYMSGSET              (BILLPAYMSGSETV1)>

<!ELEMENT BILLPAYMSGSETV1            (MSGSETCORE,  DAYSWITH, DFLTDAYSTOPAY,
                                      XFERDAYSWITH, XFERDFLTDAYSTOPAY, 
                                      PROCDAYSOFF*, PROCENDTM, 
                                      MODELWND, POSTPROCWND, STSVIAMODS,
                                      PMTBYADDR, PMTBYXFER, PMTBYPAYEEID,
                                      CANADDPAYEE, HASEXTDPMT, 
                                      CANMODPMTS, CANMODMDLS, DIFFFIRSTPMT, 
                                      DIFFLASTPMT)>

<!ELEMENT DAYSWITH                   %DAYSPANTYPE;>       <!--  number of days before 
                                                           the processing date that funds 
                                                           are withdrawn -->

<!ELEMENT DFLTDAYSTOPAY              %DAYSPANTYPE;> 	  <!--  the default number of days to pay -->

<!ELEMENT XFERDAYSWITH               %DAYSPANTYPE;>       <!--  number of days before the processing date that 
                                                                funds are withdrawn for xfers-->

<!ELEMENT XFERDFLTDAYSTOPAY          %DAYSPANTYPE;>       <!--  the default number of days to pay for transfers-->

<!ELEMENT POSTPROCWND                %DAYSPANTYPE;>       <!--  the number of days after a transaction is processed 
                                                                that it is acessible for status inquiries -->

<!ELEMENT STSVIAMODS                 %BOOLTYPE;>          <!--  server supports communication of server-initiated 
                                                                payment status changes via the PMTMODRS -->

<!ELEMENT PMTBYADDR                  %BOOLTYPE;>          <!--  the payment provider supports payments to payees 
                                                                identified by billing address, i.e. the PAYEE 
                                                                aggregate -->

<!ELEMENT PMTBYXFER                  %BOOLTYPE;>          <!--  can pay by transfers -->

<!ELEMENT PMTBYPAYEEID               %BOOLTYPE;>          <!--  can pay by user supplied payee IDs -->

<!ELEMENT CANADDPAYEE                %BOOLTYPE;>          <!--  user can add payees if no, the user is restricted to 
                                                                payees added to the users payee list by the payment 
                                                                system -->

<!ELEMENT HASEXTDPMT                 %BOOLTYPE;>          <!--  supports the EXTDPMT business payment aggregate -->

<!ELEMENT CANMODPMTS                 %BOOLTYPE;>          <!--  permit modifications to payments, i.e. PMTMODRQ -->

<!ELEMENT DIFFFIRSTPMT               %BOOLTYPE;>          <!--  support for specifying a different amount for the 
                                                                first payment generated by a model -->

<!ELEMENT DIFFLASTPMT                %BOOLTYPE;>          <!--  support for specifying a different amount for the 
                                                                last payment generated  by a model -->

<!-- Transactions -->

<!ELEMENT PMTTRNRQ       (%TRNRQMACRO;, (PMTRQ | PMTMODRQ | PMTCANCRQ))>

<!ELEMENT RECPMTTRNRQ    (%TRNRQMACRO;, (RECPMTRQ | RECPMTMODRQ | RECPMTCANCRQ))>

<!ELEMENT PAYEETRNRQ     (%TRNRQMACRO;, (PAYEERQ | PAYEEMODRQ | PAYEEDELRQ))>

<!ELEMENT PMTINQTRNRQ    (%TRNRQMACRO;, PMTINQRQ)>

<!ELEMENT PMTMAILTRNRQ   (%TRNRQMACRO;, PMTMAILRQ)>

<!ELEMENT PMTTRNRS       (%TRNRSMACRO;, (PMTRS | PMTMODRS | PMTCANCRS)?)>

<!ELEMENT RECPMTTRNRS    (%TRNRSMACRO;, (RECPMTRS | RECPMTMODRS | RECPMTCANCRS)?)>

<!ELEMENT PAYEETRNRS     (%TRNRSMACRO;, (PAYEERS | PAYEEMODRS | PAYEEDELRS)?)>

<!ELEMENT PMTINQTRNRS        (%TRNRSMACRO;, PMTINQRS?)>

<!ELEMENT PMTMAILTRNRS   (%TRNRSMACRO;, PMTMAILRS?)>


<!-- ============================================================================= -->
<!-- Requests                                                                      -->
<!-- ============================================================================= -->

<!--  payment request -->

<!ELEMENT PMTRQ      (PMTINFO)>              

<!--  modification request -->

<!ELEMENT PMTMODRQ       (SRVRTID, PMTINFO)>             

<!--  cancellation request -->

<!ELEMENT PMTCANCRQ      (SRVRTID)>

<!--  recurring payment request -->

<!ELEMENT RECPMTRQ           (RECURRINST, PMTINFO, INITIALAMT?, FINALAMT?)>          

<!-- modification request -->

<!ELEMENT RECPMTMODRQ        (RECSRVRTID, RECURRINST, PMTINFO,
			       INITIALAMT?, FINALAMT?, MODPENDING)>          

<!--  cancellation request -->

<!ELEMENT RECPMTCANCRQ       (RECSRVRTID, CANPENDING)>

<!-- payment status inquiry request -->

<!ELEMENT PMTINQRQ           (SRVRTID)>

<!-- payee request : add a payee to the payee list -->

<!ELEMENT PAYEERQ            ((PAYEEID | PAYEE), BANKACCTTO?, PAYACCT*)>

<!-- payee modification request -->

<!ELEMENT PAYEEMODRQ     (PAYEELSTID, (PAYEE, BANKACCTTO?)?, PAYACCT*)>

<!-- payee deletion request -->

<!ELEMENT PAYEEDELRQ     (PAYEELSTID)>


<!-- ============================================================================= -->
<!-- Responses                                                                     -->
<!-- ============================================================================= -->

<!--  payment response -->

<!ELEMENT PMTRS          (SRVRTID, PAYEELSTID, CURDEF, 
                          PMTINFO, EXTDPAYEE?, CHECKNUM?, PMTPRCSTS, 
                          RECSRVRTID?)>

<!-- payment modification response -->

<!ELEMENT PMTMODRS      (SRVRTID, PMTINFO, PMTPRCSTS?)>         

<!-- payment cancellation response -->

<!ELEMENT PMTCANCRS          (SRVRTID)>              

<!--  recurring payment response -->

<!ELEMENT RECPMTRS           (RECSRVRTID, PAYEELSTID, 
                              CURDEF, RECURRINST, PMTINFO, INITIALAMT?, 
                              FINALAMT?, EXTDPAYEE?)>

<!-- modification response -->

<!ELEMENT RECPMTMODRS        (RECSRVRTID, RECURRINST, PMTINFO,
			      INITIALAMT?, FINALAMT?, MODPENDING)>          

<!-- recurring payment modification response --> 

<!ELEMENT RECPMTCANCRS       (RECSRVRTID, CANPENDING)>               

<!-- payment status inquiry response -->

<!ELEMENT PMTINQRS           (SRVRTID, PMTPRCSTS, CHECKNUM?)>

<!-- payee response : add a payee to the payee list -->

<!ELEMENT PAYEERS            (PAYEELSTID, (PAYEE, BANKACCTTO?)?, 
                              EXTDPAYEE?, PAYACCT*)>

<!-- payee modification response -->

<!ELEMENT PAYEEMODRS     (PAYEELSTID, (PAYEE, BANKACCTTO?)?, PAYACCT*, EXTDPAYEE?)>

<!-- payee deletion response -->

<!ELEMENT PAYEEDELRS     (PAYEELSTID)>


<!-- ============================================================================= -->
<!--                    Aggregates                                                         -->
<!-- ============================================================================= -->


<!-- BPACCTINFO -->

<!ELEMENT BPACCTINFO   (BANKACCTFROM, SVCSTATUS)>

<!-- Payment information aggregate -->

<!ELEMENT PMTINFO   (BANKACCTFROM, TRNAMT, 
                     (PAYEEID|PAYEE), PAYEELSTID?, BANKACCTTO?,
                      EXTDPMT*, PAYACCT, DTDUE, 
                      MEMO?, BILLREFINFO?)>

<!--  Payment processing status -->

<!ELEMENT PMTPRCSTS          (PMTPRCCODE, DTPMTPRC)>

<!--  Payment processing date; enum for processing date interpretation -->

<!ELEMENT PMTPRCCODE     %PMTPROCESSSTATUSENUM;>           

<!--  Payment processing date; Interpretation depends on <PMTPRCCODE> -->

<!ELEMENT DTPMTPRC       %DTTMTYPE;>          

<!-- billing reference info -->

<!ELEMENT BILLREFINFO  %BILLREFINFOTYPE;>
 

<!--  Extended Payment aggregate -->
<!--  Either extdpmtdsc or extdpmtinv, or both, but at least one required -->

<!ELEMENT EXTDPMT            (EXTDPMTFOR?, EXTDPMTCHK?, 
                             ((EXTDPMTDSC, EXTDPMTINV?) | EXTDPMTINV))>

<!ELEMENT EXTDPMTINV     (INVOICE+)>

<!ELEMENT INVOICE        (INVNO, INVTOTALAMT, INVPAIDAMT,
                          INVDATE, INVDESC, DISCOUNT?,
                          ADJUSTMENT?, LINEITEM*)>

<!ELEMENT DISCOUNT       (DSCRATE, DSCAMT, DSCDATE?, DSCDESC)>

<!ELEMENT ADJUSTMENT     (ADJNO?, ADJDESC, ADJAMT, ADJDATE?)>

<!ELEMENT LINEITEM       (LITMAMT, LITMDESC)>

<!ELEMENT EXTDPMTFOR     %EXTDPMTFORENUM;>

<!ELEMENT EXTDPMTCHK     %EXTTYPE;>

<!ELEMENT EXTDPMTDSC     %MSGTYPE;>

<!ELEMENT INVNO          %INVNOTYPE;>

<!ELEMENT INVTOTALAMT    %AMTTYPE;>

<!ELEMENT INVPAIDAMT     %AMTTYPE;>

<!ELEMENT INVDATE        %DTTMTYPE;>

<!ELEMENT INVDESC        %SHORTMSGTYPE;>

<!ELEMENT DSCRATE        %RATETYPE;>

<!ELEMENT DSCAMT         %AMTTYPE;>

<!ELEMENT DSCDATE        %DTTMTYPE;>

<!ELEMENT DSCDESC        %SHORTMSGTYPE;>

<!ELEMENT ADJNO          %INVNOTYPE;>

<!ELEMENT ADJDESC        %SHORTMSGTYPE;>   

<!ELEMENT ADJAMT         %AMTTYPE;>

<!ELEMENT ADJDATE        %DTTMTYPE;>

<!ELEMENT LITMAMT        %AMTTYPE;>

<!ELEMENT LITMDESC       %SHORTMSGTYPE;>

 
<!--  Initial Amount -->

<!ELEMENT INITIALAMT     %AMTTYPE;>           
 

<!--  Final Amount -->

<!ELEMENT FINALAMT       %AMTTYPE;>           
 

<!--  standard payee -->

<!ELEMENT EXTDPAYEE      ( (PAYEEID, IDSCOPE, NAME)?, DAYSTOPAY)>

<!--  Server-assigned standard payee ID -->             

<!ELEMENT PAYEEID        %PAYEEIDTYPE;>                

<!--  Payee ID scope enumeration ; currently one of {GLOBAL,USER} -->

<!ELEMENT IDSCOPE        %IDSCOPEENUM;>           

<!--  Minimum number of days needed to process -->   

<!ELEMENT DAYSTOPAY      %DAYSPANTYPE;>           

<!-- Check number -->

<!ELEMENT CHECKNUM       %CHECKNUMTYPE;>

<!-- Payee aggregate -->

<!ELEMENT PAYEE      (NAME, (ADDR1,(ADDR2,ADDR3?)?), CITY, STATE, POSTALCODE, COUNTRY?, PHONE)>      
<!--  Server-assigned payee list ID -->         

<!ELEMENT PAYEELSTID     %PAYEEIDTYPE;>                


<!--

        synchronization request messages

  -->

<!--  payment synchronization request -->

<!ELEMENT PMTSYNCRQ          (%SYNCRQMACRO;, BANKACCTFROM, PMTTRNRQ*)>                

<!--  recurring payment synchronization request -->

<!ELEMENT RECPMTSYNCRQ       (%SYNCRQMACRO;, BANKACCTFROM, RECPMTTRNRQ*)>

<!-- payee list synchronization request -->

<!ELEMENT PAYEESYNCRQ    (%SYNCRQMACRO;, PAYEETRNRQ*)>

<!-- bill pay mail sync request -->

<!ELEMENT PMTMAILSYNCRQ      (%SYNCRQMACRO;, INCIMAGES, USEHTML, PMTMAILTRNRQ*)>

<!-- synchronization response messages -->

<!-- payment synchronization response -->

<!ELEMENT PMTSYNCRS          (%SYNCRSMACRO;, BANKACCTFROM, PMTTRNRS*)>                

<!--  recurring payment synchronization response -->

<!ELEMENT RECPMTSYNCRS       (%SYNCRSMACRO;, BANKACCTFROM, RECPMTTRNRS*)>

<!-- payee list synchronization response -->

<!ELEMENT PAYEESYNCRS    (%SYNCRSMACRO;, PAYEETRNRS*)>

<!-- bill pay mail sync response -->

<!ELEMENT PMTMAILSYNCRS      (%SYNCRSMACRO;, PMTMAILTRNRS*)>


<!--

 Payment mail messages

  --> 

<!-- payment inquiry mail message --> 

<!ELEMENT PMTMAILRQ          (MAIL,(SRVRTID,PMTINFO)?)>

<!ELEMENT PMTMAILRS          (MAIL,(SRVRTID,PMTINFO)?)>

<!-- Message Sets -->

<!ELEMENT SIGNUPMSGSRQV1        ((ENROLLTRNRQ | ACCTINFOTRNRQ | 
                                 CHGUSERINFOTRNRQ | CHGUSERINFOSYNCRQ |
                                 ACCTTRNRQ | ACCTSYNCRQ)+ )> 

<!ELEMENT SIGNUPMSGSRSV1        ((ENROLLTRNRS | ACCTINFOTRNRS | 
                                 CHGUSERINFOTRNRS | CHGUSERINFOSYNCRS |
                                 ACCTTRNRS | ACCTSYNCRS)+ )>

<!-- Profile entry for message set -->

<!ELEMENT SIGNUPMSGSET         (SIGNUPMSGSETV1)>

<!ELEMENT SIGNUPMSGSETV1       (MSGSETCORE, (CLIENTENROLL | WEBENROLL | OTHERENROLL),
                                CHGUSERINFO, AVAILACCTS, CLIENTACTREQ)>

<!ELEMENT CLIENTENROLL           (ACCTREQUIRED)>

<!ELEMENT WEBENROLL              (URL)>

<!ELEMENT OTHERENROLL              (MESSAGE)>

<!ELEMENT ACCTREQUIRED           %BOOLTYPE;>

<!ELEMENT CHGUSERINFO            %BOOLTYPE;>

<!ELEMENT AVAILACCTS             %BOOLTYPE;>

<!ELEMENT CLIENTACTREQ           %BOOLTYPE;>

<!-- Transactions -->

<!ELEMENT ENROLLTRNRQ        (%TRNRQMACRO;, ENROLLRQ)>

<!ELEMENT ENROLLTRNRS        (%TRNRSMACRO;, ENROLLRS?)>

<!ELEMENT ACCTINFOTRNRQ      (%TRNRQMACRO;, ACCTINFORQ)>

<!ELEMENT ACCTTRNRQ          (%TRNRQMACRO;, ACCTRQ)>

<!ELEMENT ACCTINFOTRNRS      (%TRNRSMACRO;, ACCTINFORS?)>

<!ELEMENT ACCTTRNRS          (%TRNRSMACRO;, ACCTRS?)>

<!ELEMENT CHGUSERINFOTRNRQ   (%TRNRQMACRO;, CHGUSERINFORQ)>

<!ELEMENT CHGUSERINFOTRNRS   (%TRNRSMACRO;, CHGUSERINFORS?)>

<!-- ================== -->
<!-- Enrollment         -->
<!-- ==================  -->

<!ELEMENT ENROLLRQ        (FIRSTNAME, MIDDLENAME ,
                           LASTNAME, (ADDR1,(ADDR2,ADDR3?)?) ,
                           CITY, STATE, POSTALCODE ,
                           COUNTRY, DAYPHONE, EVEPHONE ,
                           EMAIL, USERID?, TAXID ,
                           SECURITYNAME, DATEBIRTH ,
                           (%ACCTFROMMACRO;)? )>

<!ELEMENT TAXID          %IDTYPE;>

<!ELEMENT SECURITYNAME   %GENNAMETYPE;>

<!ELEMENT DATEBIRTH      %DTTMTYPE;>

<!ELEMENT ENROLLRS       (TEMPPASS?, USERID?, DTEXPIRE?)>

    <!-- NOTE: could constrain  DTEXPIRE -->

<!ELEMENT TEMPPASS       %TEMPPASSTYPE;>

<!ELEMENT DTEXPIRE       %DTTMTYPE;>

<!-- Change User Info -->

<!ELEMENT CHGUSERINFORQ      (FIRSTNAME?, MIDDLENAME?, LASTNAME?,
                             (ADDR1,(ADDR2,ADDR3?)?)?,
                             CITY?, STATE?, POSTALCODE?, COUNTRY?,
                             DAYPHONE?, EVEPHONE?, EMAIL?)>

<!ELEMENT CHGUSERINFORS      (FIRSTNAME?, MIDDLENAME?, LASTNAME?,
                             (ADDR1,(ADDR2,ADDR3?)?)?,
                             CITY?, STATE?, POSTALCODE?, COUNTRY?,
                             DAYPHONE?, EVEPHONE?, EMAIL?,
                             DTINFOCHG)>

<!ELEMENT DTINFOCHG      %DTTMTYPE;>                             

<!ELEMENT CHGUSERINFOSYNCRQ     (%SYNCRQMACRO;, CHGUSERINFOTRNRQ*)>

<!ELEMENT CHGUSERINFOSYNCRS     (%SYNCRSMACRO;, CHGUSERINFOTRNRS*)>

<!-- Top level request and response -->

<!ELEMENT ACCTINFORQ     (DTACCTUP)>

<!ELEMENT ACCTINFORS     (DTACCTUP, ACCTINFO*)>

<!-- Account Info aggregate

     Note: this refers to a macro in ofxmain that
     list all of the account info aggregates
-->

<!ELEMENT ACCTINFO       (DESC?, PHONE?, (%ACCTINFOMACRO;)+ )>

<!-- Service status - should be included as part of
     the ACCTINFOMACRO aggregates.  Values
     are AVAIL, PEND, ACTIVE 
-->

<!ELEMENT SVCSTATUS      %SERVICESTATUSENUM;>      

<!--
  Service Activation
-->

<!ELEMENT ACCTRQ         ((SVCADD | SVCCHG | SVCDEL),
                          SVC)>

<!ELEMENT ACCTRS          ((SVCADD | SVCCHG | SVCDEL), SVC, SVCSTATUS)>

<!ELEMENT SVCADD         (%ACCTTOMACRO;)>

<!ELEMENT SVCDEL         (%ACCTFROMMACRO;)>

<!ELEMENT SVCCHG         (%ACCTFROMMACRO;, %ACCTTOMACRO;)>

<!ELEMENT SVC            %SERVICEENUM;>

<!-- Synchronization -->

<!ELEMENT ACCTSYNCRQ     (%SYNCRQMACRO;, ACCTTRNRQ*)>

<!ELEMENT ACCTSYNCRS     (%SYNCRSMACRO;, ACCTTRNRS*)>


<!-- Investment Message Set -->

<!ELEMENT INVSTMTMSGSET   (INVSTMTMSGSETV1) >

<!-- Investment Message Set: Version 1-->

<!ELEMENT INVSTMTMSGSETV1   (MSGSETCORE, TRANDNLD, OODNLD, POSDNLD, 
                             BALDNLD, INV401KDNLD?, CANEMAIL) >

<!-- Investment Statement Messages -->

<!ELEMENT INVSTMTMSGSRQV1    ((INVSTMTTRNRQ | INVMAILTRNRQ | INVMAILSYNCRQ)+) >

<!ELEMENT INVSTMTMSGSRSV1    ((INVSTMTTRNRS | INVMAILTRNRS | INVMAILSYNCRS)+) >

<!-- Security List Messages -->

<!ELEMENT SECLISTMSGSRQV1   (SECLISTTRNRQ+) >

<!ELEMENT SECLISTMSGSRSV1   (SECLISTTRNRS*, SECLIST?) >

<!-- **** SECURITIES *** -->

<!-- Security List Transaction Request/Response -->

<!ELEMENT SECLISTTRNRQ   (%TRNRQMACRO;, SECLISTRQ) >

<!ELEMENT SECLISTTRNRS   (%TRNRSMACRO;, SECLISTRS?) >

<!-- Security List Request/Response -->

<!ELEMENT SECLISTRQ   (SECRQ+)>

<!ELEMENT SECRQ       (SECID | TICKER | FIID) >

<!ELEMENT SECLISTRS   %EMPTYTYPE; >

            
<!-- Security Ticker Symbol -->

<!ELEMENT TICKER   %TICKERTYPE; >


<!-- Financial Institution ID for the Security -->                      

<!ELEMENT FIID   %FIIDTYPE; >

<!-- ** Security Identifier ** -->

<!ELEMENT SECID   (UNIQUEID, UNIQUEIDTYPE) >

<!-- Unique ID for the Security -->

<!ELEMENT UNIQUEID   %CUSIPTYPE; >

<!-- Standard used for Unique ID currently only CUSIP -->

<!ELEMENT UNIQUEIDTYPE   %SECUIDTYPE; >

<!-- *** Security Information *** -->

<!-- Security List -->

<!ELEMENT SECLIST   ((MFINFO | STOCKINFO | OPTINFO | DEBTINFO | 
                     OTHERINFO)*) >

<!-- ** Info all security types have in common ** -->

<!ELEMENT SECINFO   (SECID, SECNAME, TICKER?, FIID? , 
                     RATING?, UNITPRICE?, DTASOF? ,
                     CURRENCY?, MEMO?) >

<!ELEMENT SECNAME    %SECNAMETYPE;>
              

<!-- Rating for Security -->

<!ELEMENT RATING   %RATINGTYPE; >

<!-- Unitprice for Security -->

<!ELEMENT UNITPRICE   %AMTTYPE; >

<!-- *** Debt Information *** -->

<!ELEMENT DEBTINFO   (SECINFO, PARVALUE, DEBTTYPE, DEBTCLASS? ,
                      COUPONRT?, DTCOUPON?, COUPONFREQ?, CALLPRICE?, 
                      YIELDTOCALL?, DTCALL?, CALLTYPE?, YIELDTOMAT?, 
                      DTMAT?, ASSETCLASS?, FIASSETCLASS?) >

<!ELEMENT PARVALUE   %AMTTYPE; >

<!ELEMENT DEBTTYPE   %DEBTENUM; >

<!ELEMENT DEBTCLASS   %DEBTCLASSENUM; >

<!ELEMENT COUPONRT   %RATETYPE; >

<!ELEMENT DTCOUPON   %DTTMTYPE; >

<!ELEMENT COUPONFREQ   %COUPONFREQENUM; >

<!ELEMENT CALLPRICE   %AMTTYPE; >

<!ELEMENT YIELDTOCALL   %RATETYPE; >

<!ELEMENT DTCALL   %DTTMTYPE; >

<!ELEMENT CALLTYPE  %CALLTYPEENUM; >

<!ELEMENT YIELDTOMAT   %RATETYPE; >

<!ELEMENT DTMAT   %DTTMTYPE; >

<!-- Asset Class for Security -->

<!ELEMENT ASSETCLASS   %ASSETCLASSENUM; >

<!-- FI's Asset Class for Security -->

<!ELEMENT FIASSETCLASS   %GENNAMETYPE; >

<!-- *** Mutual Fund Information *** -->

<!ELEMENT MFINFO   (SECINFO, MFTYPE?, YIELD?, DTYIELDASOF?, 
                    MFASSETCLASS?, FIMFASSETCLASS?) >

<!ELEMENT MFTYPE   %MFTENUM; >

<!ELEMENT YIELD   %RATETYPE; >

<!ELEMENT DTYIELDASOF   %DTTMTYPE; >

<!-- Asset Class for Mutual Funds -->

<!ELEMENT MFASSETCLASS   (PORTION+) >

<!-- Asset Class Portion -->

<!ELEMENT PORTION   (ASSETCLASS, PERCENT) >

<!ELEMENT PERCENT   %RATETYPE; >

<!-- FI's Asset Class for Mutual Funds  -->

<!ELEMENT FIMFASSETCLASS   (FIPORTION+) >

<!-- FI's Asset Class Portion -->

<!ELEMENT FIPORTION   (FIASSETCLASS, PERCENT) >

<!-- *** Option Information *** -->

<!ELEMENT OPTINFO   (SECINFO, OPTTYPE, STRIKEPRICE, DTEXPIRE, 
                     SHPERCTRCT, SECID?, ASSETCLASS?, FIASSETCLASS?) >

<!ELEMENT OPTTYPE   %OPTTYPEENUM; >

<!ELEMENT STRIKEPRICE   %AMTTYPE; >

<!-- Number of shares per contract -->

<!ELEMENT SHPERCTRCT   %SHARESPERTYPE; >

          
<!-- *** Other Security Type Information *** -->

<!ELEMENT OTHERINFO   (SECINFO, TYPEDESC?, ASSETCLASS?, FIASSETCLASS?) >

<!ELEMENT TYPEDESC   %TYPEDESCTYPE; >


<!-- *** Stock Information *** -->

<!ELEMENT STOCKINFO   (SECINFO, STOCKTYPE?, YIELD?, DTYIELDASOF?, 
                       ASSETCLASS?, FIASSETCLASS?) >

<!ELEMENT STOCKTYPE   %STOCKENUM; >


<!-- ***** Investment Accounts ****** -->

<!-- Investment Account From -->

<!ELEMENT INVACCTFROM   (BROKERID, ACCTID) >

<!-- Investment Account To -->

<!ELEMENT INVACCTTO   (BROKERID, ACCTID) >

<!ELEMENT BROKERID   %BROKERIDTYPE; >

<!-- ** Investment Account Information ** -->

<!ELEMENT INVACCTINFO  (INVACCTFROM, USPRODUCTTYPE, CHECKING, 
                       SVCSTATUS, INVACCTTYPE?, OPTIONLEVEL?) >

<!ELEMENT USPRODUCTTYPE  %USPRODUCTENUM; >

<!ELEMENT CHECKING  %BOOLTYPE; >

<!ELEMENT INVACCTTYPE  %INVESTMENTACCOUNTENUM; >

<!ELEMENT OPTIONLEVEL  %OPTIONLEVELTYPE; >  


<!-- ****** INVESTMENT STATEMENT DOWNLOAD ****** -->

<!-- Investment Statement Transaction Request/Response -->

<!ELEMENT INVSTMTTRNRQ   (%TRNRQMACRO;, INVSTMTRQ)  >  

<!ELEMENT INVSTMTTRNRS   (%TRNRSMACRO;, INVSTMTRS?) >

<!-- *** Investment Statement Request *** -->

<!ELEMENT INVSTMTRQ   (INVACCTFROM, INCTRAN, INCOO, INCPOS ,
                       INCBAL, INC401K?, INC401KBAL?) >

<!-- ** Include Transactions ** -->

<!ELEMENT INCTRAN   (DTSTART?, DTEND?, INCLUDE) >

<!-- ** Include Open Orders ** -->

<!ELEMENT INCOO   %BOOLTYPE; >

<!-- ** Include Positions ** -->

<!ELEMENT INCPOS   (DTASOF?, INCLUDE) >

<!-- Include Balances -->

<!ELEMENT INCBAL   %BOOLTYPE; >

<!-- Include 401K info -->

<!ELEMENT INC401K   %BOOLTYPE; >

<!-- Include 401K Balances -->

<!ELEMENT INC401KBAL   %BOOLTYPE; >

<!-- *** Investment Statement Response *** -->

<!ELEMENT INVSTMTRS   (DTASOF, CURDEF, INVACCTFROM, INVTRANLIST? ,
                       INVPOSLIST?, INVBAL?, INVOOLIST?, INV401K?, 
                       INV401KBAL?,  MKTGINFO?) >

<!-- Marketing Message -->

<!ELEMENT MKTVAL   %AMTTYPE; >

<!-- ** Transaction List ** -->

<!ELEMENT INVTRANLIST   (DTSTART, DTEND, (BUYDEBT | BUYMF | BUYOPT | BUYOTHER |
                         BUYSTOCK | CLOSUREOPT | INCOME | INVEXPENSE | JRNLFUND |
                         JRNLSEC | MARGININTEREST | REINVEST | RETOFCAP| SELLDEBT |
                         SELLMF | SELLOPT | SELLOTHER |  SELLSTOCK |
                         SPLIT | TRANSFER)*, INVBANKTRAN*) >

<!-- ** Investment Banking Transaction ** -->

<!ELEMENT INVBANKTRAN   (STMTTRN, SUBACCTFUND) >

<!-- ** Transaction fields common to many types of transactions ** -->

<!ELEMENT INVTRAN       (FITID, SRVRTID?, DTTRADE, DTSETTLE?, 
                        MEMO?) >

<!-- Trade Date -->

<!ELEMENT DTTRADE   %DTTMTYPE; >

<!-- Settlement Date -->

<!ELEMENT DTSETTLE   %DTTMTYPE; >

<!-- ** Transaction fields common to BUY types of transactions ** -->

<!ELEMENT INVBUY   (INVTRAN, SECID, UNITS, UNITPRICE, MARKUP?, 
                    COMMISSION?, TAXES?, FEES?, LOAD?, TOTAL,
                    CURRENCY?, ORIGCURRENCY?, SUBACCTSEC, SUBACCTFUND, 
                    (LOANID, LOANPRINCIPAL, LOANINTEREST)?, INV401KSOURCE?, 
                    DTPAYROLL?, PRIORYEARCONTRIB?) >

<!ELEMENT UNITS   %AMTTYPE; >

<!ELEMENT MARKUP   %AMTTYPE; >

<!ELEMENT COMMISSION   %AMTTYPE; >

<!ELEMENT TAXES   %AMTTYPE; >

<!ELEMENT FEES   %AMTTYPE; >

<!ELEMENT LOAD   %AMTTYPE; >

<!ELEMENT TOTAL   %AMTTYPE; >

<!-- Sub-account for the security -->

<!ELEMENT SUBACCTSEC   %SUBACCTENUM; >

<!-- Sub-account for the funds involved in the trade: CASH, SHORT, MARGIN, OTHER -->

<!ELEMENT SUBACCTFUND   %SUBACCTENUM; >

<!ELEMENT LOANID  %LOANIDTYPE; >

<!ELEMENT LOANPRINCIPAL  %AMTTYPE; >

<!ELEMENT LOANINTEREST  %RATETYPE; >

<!ELEMENT DTPAYROLL  %DTTMTYPE; >

<!ELEMENT PRIORYEARCONTRIB  %BOOLTYPE; >

<!-- ** Transaction fields common to SELL types of transactions ** -->

<!ELEMENT INVSELL   (INVTRAN, SECID, UNITS, UNITPRICE, MARKDOWN?, 
                     COMMISSION?, TAXES?, FEES?, LOAD?, WITHHOLDING? ,
                     TAXEXEMPT?, TOTAL,
                     GAIN?, CURRENCY?, ORIGCURRENCY?, SUBACCTSEC, SUBACCTFUND, 
                     LOANID?, STATEWITHHOLDING?, PENALTY?, INV401KSOURCE?) >

<!ELEMENT MARKDOWN   %AMTTYPE; >

<!ELEMENT WITHHOLDING   %AMTTYPE; >

<!ELEMENT GAIN   %AMTTYPE; >

<!ELEMENT STATEWITHHOLDING  %AMTTYPE; >

<!ELEMENT PENALTY  %AMTTYPE; >

<!-- ** Buy Debt Transaction ** -->

<!ELEMENT BUYDEBT   (INVBUY, ACCRDINT?) >

<!ELEMENT ACCRDINT   %AMTTYPE; >

<!-- ** Buy Mutual Fund Transaction ** -->

<!ELEMENT BUYMF   (INVBUY, BUYTYPE, RELFITID?) >

<!-- Buy Type -->

<!ELEMENT BUYTYPE   %BUYENUM; >

<!-- Related Transaction ID -->

<!ELEMENT RELFITID   %FITIDTYPE; >

<!-- ** Buy Option Transaction ** -->

<!ELEMENT BUYOPT   (INVBUY, OPTBUYTYPE, SHPERCTRCT) >

<!-- Option Buy Type -->

<!ELEMENT OPTBUYTYPE   %OPTBUYENUM; >

<!-- ** Buy Other Transaction ** -->

<!ELEMENT BUYOTHER   (INVBUY, BUYTYPE?) >

<!--#ELEMENT BUYOTHER #Link(BUYTYPE, INVSTMTMSGSRSV2)-->

<!-- ** Buy Stock Transaction ** -->

<!ELEMENT BUYSTOCK   (INVBUY, BUYTYPE) >

<!-- ** Closure of Option Transaction ** -->

<!ELEMENT CLOSUREOPT   (INVTRAN, SECID, OPTACTION, UNITS, SHPERCTRCT ,
                        SUBACCTSEC, RELFITID?, GAIN?) >      


<!-- Closure of option action -->

<!ELEMENT OPTACTION   %OPTACTIONENUM; >

<!-- **Income Transaction ** -->

<!ELEMENT INCOME   (INVTRAN, SECID, INCOMETYPE, TOTAL, SUBACCTSEC ,
                    SUBACCTFUND, TAXEXEMPT?, WITHHOLDING? ,CURRENCY? ,
                    ORIGCURRENCY?, INV401KSOURCE? ) >

<!-- Type of Income -->

<!ELEMENT INCOMETYPE   %INCOMEENUM; >

<!ELEMENT TAXEXEMPT  %BOOLTYPE; >

<!-- ** Investment Related Expense Transaction ** -->

<!ELEMENT INVEXPENSE   (INVTRAN, SECID, TOTAL, SUBACCTSEC ,
                        SUBACCTFUND, CURRENCY?, ORIGCURRENCY?, 
                        INV401KSOURCE? ) >

<!-- ** Journaling of Funds between sub-accounts Transaction ** -->

<!ELEMENT JRNLFUND  (INVTRAN, SUBACCTTO, SUBACCTFROM, TOTAL) >

<!ELEMENT SUBACCTTO  %SUBACCTENUM; >

<!ELEMENT SUBACCTFROM  %SUBACCTENUM; >

<!-- ** Journaling of Security between sub-accounts Transaction ** -->

<!ELEMENT JRNLSEC  (INVTRAN, SECID, SUBACCTTO, SUBACCTFROM, UNITS) >

<!-- ** Margin Interest Transaction ** -->

<!ELEMENT MARGININTEREST   (INVTRAN, TOTAL, SUBACCTFUND, CURRENCY? ,
                            ORIGCURRENCY?) >

<!-- ** Reinvest Transaction ** -->

<!ELEMENT REINVEST   (INVTRAN, SECID, INCOMETYPE, TOTAL, SUBACCTSEC ,
                      UNITS, UNITPRICE, COMMISSION?, TAXES?, FEES?, LOAD? ,
                      TAXEXEMPT?, CURRENCY?, ORIGCURRENCY?, INV401KSOURCE? ) >

<!-- ** Return Of Capital Transaction ** -->

<!ELEMENT RETOFCAP  (INVTRAN, SECID, TOTAL, SUBACCTSEC ,
                     SUBACCTFUND, CURRENCY?, ORIGCURRENCY?, 
                     INV401KSOURCE? ) >

<!-- ** Sell Debt Transaction ** -->

<!ELEMENT SELLDEBT   (INVSELL, SELLREASON, ACCRDINT?) >

<!-- Reason Sell of Debt generated -->

<!ELEMENT SELLREASON  %SELLREASONENUM; >

<!-- ** Sell Mutual Fund Transaction ** -->

<!ELEMENT SELLMF   (INVSELL, SELLTYPE, AVGCOSTBASIS?, RELFITID?) >

<!-- Sell Type -->

<!ELEMENT SELLTYPE   %SELLTYPEENUM; >

<!-- Average cost basis -->

<!ELEMENT AVGCOSTBASIS   %AMTTYPE; >

<!-- ** Sell Option Transaction ** -->

<!ELEMENT SELLOPT   (INVSELL, OPTSELLTYPE, SHPERCTRCT ,
                     RELFITID?, RELTYPE?, SECURED?) >

<!-- Option Sell Type -->

<!ELEMENT OPTSELLTYPE   %OPTSELLENUM; >

<!-- Related option transaction type -->

<!ELEMENT RELTYPE   %RELATEDENUM; >

<!-- How the option is secured -->          

<!ELEMENT SECURED   %SECUREDENUM; >

<!-- ** Sell Other Transaction ** -->

<!ELEMENT SELLOTHER   (INVSELL, SELLTYPE?) >

<!--#ELEMENT SELLOTHER #Link(SELLTYPE, INVSTMTMSGSRSV2)-->

<!-- ** Sell Stock Transaction ** -->

<!ELEMENT SELLSTOCK   (INVSELL, SELLTYPE) >

<!-- ** Split Transaction ** -->

<!ELEMENT SPLIT   (INVTRAN, SECID, SUBACCTSEC ,
                   OLDUNITS, NEWUNITS, NUMERATOR, DENOMINATOR ,
                   CURRENCY?, ORIGCURRENCY?, FRACCASH?, SUBACCTFUND?, 
                   INV401KSOURCE? ) >

<!ELEMENT OLDUNITS   %AMTTYPE; >

<!ELEMENT NEWUNITS   %AMTTYPE; >

<!ELEMENT NUMERATOR   %AMTTYPE; >

<!ELEMENT DENOMINATOR   %AMTTYPE; >

<!-- Amount of cash recieved from fractional shares -->

<!ELEMENT FRACCASH   %AMTTYPE; >

<!-- ** Transfer Transaction ** -->

<!ELEMENT TRANSFER   (INVTRAN, SECID, SUBACCTSEC, UNITS ,
                      TFERACTION, POSTYPE, INVACCTFROM?,
                      AVGCOSTBASIS?, UNITPRICE?, DTPURCHASE?, 
                      INV401KSOURCE? ) >

<!-- Transfer action -->

<!ELEMENT TFERACTION   %INOUTENUM; >

<!ELEMENT DTPURCHASE   %DTTMTYPE;>

<!-- ***** Open Orders List ***** -->

<!ELEMENT INVOOLIST   ((OOBUYDEBT | OOBUYMF | OOBUYOPT | OOBUYOTHER |
                       OOBUYSTOCK | OOSELLDEBT | OOSELLMF | OOSELLOPT |
                       OOSELLOTHER | OOSELLSTOCK | OOSWITCHMF)*) >

<!-- ** Open Order fields common to all open orders ** -->

<!ELEMENT OO   (FITID, SRVRTID?, SECID, DTPLACED, UNITS, SUBACCT,
                DURATION, RESTRICTION, MINUNITS?, LIMITPRICE?,
                STOPPRICE?, MEMO?, CURRENCY?, INV401KSOURCE? ) >

<!ELEMENT DTPLACED   %DTTMTYPE; >

<!ELEMENT SUBACCT   %SUBACCTENUM; >

<!ELEMENT DURATION   %DURATIONENUM; >

<!ELEMENT RESTRICTION   %RESTRICTIONENUM; >

<!ELEMENT MINUNITS   %AMTTYPE; >

<!ELEMENT LIMITPRICE   %AMTTYPE; >

<!ELEMENT STOPPRICE   %AMTTYPE; >

<!-- ** Buy Debt Open Order ** -->

<!ELEMENT OOBUYDEBT   (OO, AUCTION, DTAUCTION?) >

<!ELEMENT AUCTION   %BOOLTYPE; >

<!ELEMENT DTAUCTION   %DTTMTYPE; >

<!-- ** Buy Mutual Fund Open Order ** -->

<!ELEMENT OOBUYMF   (OO, BUYTYPE, UNITTYPE) >

<!-- Type of units: SHARES or CURRENCY -->

<!ELEMENT UNITTYPE   %UNITTYPEENUM; >

<!-- ** Buy Option Open Order ** -->

<!ELEMENT OOBUYOPT   (OO, OPTBUYTYPE) >

<!-- ** Buy Other Open Order ** -->

<!ELEMENT OOBUYOTHER   (OO, UNITTYPE) >

<!-- ** Buy Stock Open Order ** -->

<!ELEMENT OOBUYSTOCK   (OO, BUYTYPE) >

<!-- ** Sell Debt Open Order ** -->

<!ELEMENT OOSELLDEBT   (OO) >

<!-- ** Sell Mutual Fund Open Order ** -->

<!ELEMENT OOSELLMF   (OO, SELLTYPE, UNITTYPE, SELLALL) >

<!ELEMENT SELLALL   %BOOLTYPE; >

<!-- ** Sell Option Open Order ** -->

<!ELEMENT OOSELLOPT   (OO, OPTSELLTYPE) >

<!-- ** Sell Other Security Type Open Order ** -->

<!ELEMENT OOSELLOTHER   (OO, UNITTYPE) >

<!-- ** Sell Stock Open Order ** -->

<!ELEMENT OOSELLSTOCK   (OO, SELLTYPE) >

<!-- ** Switch Mutual Fund Open Order ** -->

<!ELEMENT OOSWITCHMF   (OO, SECID, UNITTYPE, SWITCHALL) >

<!ELEMENT SWITCHALL   %BOOLTYPE; >

<!-- Summary of user's 401(k) plan information -->

<!ELEMENT INV401K      (EMPLOYERNAME, PLANID?, PLANJOINDATE?, EMPLOYERCONTACTINFO?, 
                        BROKERCONTACTINFO?, DEFERPCTPRETAX?, DEFERPCTAFTERTAX?, MATCHINFO?, 
                        CONTRIBINFO?, CURRENTVESTPCT?, VESTINFO?, LOANINFO*, INV401KSUMMARY?)  >

<!-- Need to define OFX Datatypes to these elements -->

<!ELEMENT EMPLOYERNAME   %GENNAMETYPE; >

<!ELEMENT PLANID   %IDTYPE;  >

<!ELEMENT PLANJOINDATE   %DTTMTYPE;>

<!ELEMENT EMPLOYERCONTACTINFO  %GENCONTACTINFOTYPE; >

<!ELEMENT BROKERCONTACTINFO  %GENCONTACTINFOTYPE; >

<!ELEMENT DEFERPCTPRETAX  %RATETYPE; >

<!ELEMENT DEFERPCTAFTERTAX  %RATETYPE; >

<!ELEMENT CURRENTVESTPCT  %RATETYPE; >

<!ELEMENT MATCHINFO      (MATCHPCT, MAXMATCHAMT?, MAXMATCHPCT?, STARTOFYEAR?, 
                          BASEMATCHAMT?, BASEMATCHPCT?)  >

<!ELEMENT MATCHPCT  %RATETYPE; >

<!ELEMENT MAXMATCHAMT  %AMTTYPE; >

<!ELEMENT MAXMATCHPCT  %RATETYPE; >

<!ELEMENT STARTOFYEAR  %DTTMTYPE; >

<!ELEMENT BASEMATCHAMT  %AMTTYPE; >

<!ELEMENT BASEMATCHPCT  %RATETYPE; >

<!ELEMENT CONTRIBINFO  (CONTRIBSECURITY+)  >

<!ELEMENT CONTRIBSECURITY  (SECID,((PRETAXCONTRIBPCT | AFTERTAXCONTRIBPCT |  MATCHCONTRIBPCT | 
                            PROFITSHARINGCONTRIBPCT | ROLLOVERCONTRIBPCT | OTHERVESTPCT | 
                            OTHERNONVESTPCT)+ |  (PRETAXCONTRIBAMT | AFTERTAXCONTRIBAMT | 
                            MATCHCONTRIBAMT | PROFITSHARINGCONTRIBAMT | ROLLOVERCONTRIBAMT | 
                            OTHERVESTAMT |OTHERNONVESTAMT)+)) >

<!ELEMENT PRETAXCONTRIBPCT  %RATETYPE; >

<!ELEMENT PRETAXCONTRIBAMT  %AMTTYPE; >

<!ELEMENT AFTERTAXCONTRIBPCT  %RATETYPE; >

<!ELEMENT AFTERTAXCONTRIBAMT  %AMTTYPE; >

<!ELEMENT MATCHCONTRIBPCT  %RATETYPE; >

<!ELEMENT MATCHCONTRIBAMT  %AMTTYPE; >

<!ELEMENT PROFITSHARINGCONTRIBPCT  %RATETYPE; >

<!ELEMENT PROFITSHARINGCONTRIBAMT  %AMTTYPE; >

<!ELEMENT ROLLOVERCONTRIBPCT  %RATETYPE; >

<!ELEMENT ROLLOVERCONTRIBAMT  %AMTTYPE; >

<!ELEMENT OTHERVESTPCT        %RATETYPE; >

<!ELEMENT OTHERVESTAMT  %AMTTYPE; >

<!ELEMENT OTHERNONVESTPCT  %RATETYPE; >

<!ELEMENT OTHERNONVESTAMT  %AMTTYPE; >

<!ELEMENT VESTINFO  (VESTDATE?, VESTPCT )  >

<!ELEMENT VESTDATE  %DTTMTYPE; >

<!ELEMENT VESTPCT  %RATETYPE; >

<!ELEMENT LOANINFO  (LOANID, LOANDESC?, INITIALLOANBAL?, LOANSTARTDATE?, 
                     CURRENTLOANBAL, DTASOF, LOANRATE?, LOANPMTAMT?, 
                     LOANPMTFREQ?, LOANPMTSINITIAL?, LOANPMTSREMAINING?, 
                     LOANMATURITYDATE?, LOANTOTALPROJINTEREST?, LOANINTERESTTODATE?, 
                     LOANNEXTPMTDATE? )  >

<!ELEMENT LOANDESC  %GENDESCTYPE; >

<!ELEMENT INITIALLOANBAL  %AMTTYPE; >

<!ELEMENT LOANSTARTDATE  %DTTMTYPE; >

<!ELEMENT CURRENTLOANBAL  %AMTTYPE; >

<!ELEMENT LOANRATE  %RATETYPE; >

<!ELEMENT LOANPMTAMT  %AMTTYPE; >

<!ELEMENT LOANPMTFREQ  %FREQENUM; >

<!ELEMENT LOANPMTSINITIAL  %NUMPMTS; >

<!ELEMENT LOANPMTSREMAINING  %NUMPMTS; >

<!ELEMENT LOANMATURITYDATE  %DTTMTYPE; >

<!ELEMENT LOANTOTALPROJINTEREST  %AMTTYPE; >

<!ELEMENT LOANINTERESTTODATE  %AMTTYPE; >

<!ELEMENT LOANNEXTPMTDATE  %DTTMTYPE; >

<!ELEMENT INV401KSUMMARY  (YEARTODATE, INCEPTTODATE?, PERIODTODATE? )  >

<!ELEMENT YEARTODATE      (DTSTART, DTEND, CONTRIBUTIONS?, WITHDRAWALS?, 
                           EARNINGS?)  >

<!ELEMENT INCEPTTODATE    (DTSTART, DTEND, CONTRIBUTIONS?, WITHDRAWALS?, EARNINGS?)  >

<!ELEMENT PERIODTODATE    (DTSTART, DTEND, CONTRIBUTIONS?, WITHDRAWALS?, EARNINGS?)  >

<!ELEMENT CONTRIBUTIONS   (PRETAX?, AFTERTAX?, MATCH?, PROFITSHARING?, ROLLOVER?, OTHERVEST?, 
                           OTHERNONVEST?, TOTAL )  >

<!ELEMENT PRETAX  %AMTTYPE; >

<!ELEMENT AFTERTAX  %AMTTYPE; >

<!ELEMENT MATCH  %AMTTYPE; >

<!ELEMENT PROFITSHARING  %AMTTYPE; >

<!ELEMENT ROLLOVER  %AMTTYPE; >

<!ELEMENT OTHERVEST  %AMTTYPE; >

<!ELEMENT OTHERNONVEST  %AMTTYPE; >

<!ELEMENT WITHDRAWALS   (PRETAX?, AFTERTAX?, MATCH?, PROFITSHARING?, ROLLOVER?, 
                         OTHERVEST?, OTHERNONVEST?, TOTAL )  >

<!ELEMENT EARNINGS      (PRETAX?, AFTERTAX?, MATCH?, PROFITSHARING?, ROLLOVER?, 
                         OTHERVEST?, OTHERNONVEST?, TOTAL )  >

<!ELEMENT INV401KBAL    (CASHBAL?, PRETAX?, AFTERTAX?, MATCH?, PROFITSHARING?, 
                         ROLLOVER?, OTHERVEST?, OTHERNONVEST?, TOTAL, BALLIST?) >

<!ELEMENT CASHBAL  %AMTTYPE; >


<!-- ***** Position List ***** -->

<!ELEMENT INVPOSLIST   ((POSMF | POSSTOCK | POSDEBT| POSOPT |
                         POSOTHER)*) >

<!-- Position fields common to and types of positions -->

<!ELEMENT INVPOS   (SECID, HELDINACCT, POSTYPE, UNITS, UNITPRICE, 
                    MKTVAL, DTPRICEASOF, CURRENCY?, MEMO?, 
                    INV401KSOURCE? ) >

<!-- Which sub-account the position is held in: CASH, MARGIN, SHORT, OTHER -->

<!ELEMENT HELDINACCT   %SUBACCTENUM; >

<!-- Position Type: SHORT, LONG -->

<!ELEMENT POSTYPE   %POSTYPEENUM; >

<!ELEMENT DTPRICEASOF   %DTTMTYPE; >

<!-- ** Debt Position ** -->

<!ELEMENT POSDEBT   (INVPOS) >

<!-- ** Mutual Fund Position ** -->

<!ELEMENT POSMF   (INVPOS, UNITSSTREET?, UNITSUSER?, REINVDIV? ,
                   REINVCG?) >

<!ELEMENT UNITSSTREET   %AMTTYPE; >

<!ELEMENT UNITSUSER   %AMTTYPE; >

<!ELEMENT REINVDIV   %BOOLTYPE; >

<!ELEMENT REINVCG   %BOOLTYPE; >

<!-- ** Option Position ** -->

<!ELEMENT POSOPT   (INVPOS, SECURED?) >

<!-- ** Other Security Type Position ** -->

<!ELEMENT POSOTHER   (INVPOS) >

<!-- ** Stock Position ** -->

<!ELEMENT POSSTOCK   (INVPOS, UNITSSTREET?, UNITSUSER?, REINVDIV?) >

<!-- ** Balances ** -->

<!ELEMENT INVBAL   (AVAILCASH, MARGINBALANCE, SHORTBALANCE ,
                    BUYPOWER?, BALLIST?) >

<!ELEMENT MARGINBALANCE   %AMTTYPE; >

<!ELEMENT SHORTBALANCE   %AMTTYPE; >

<!ELEMENT AVAILCASH   %AMTTYPE; >

<!ELEMENT BUYPOWER   %AMTTYPE; >

<!ELEMENT BALLIST   (BAL*) >

<!-- **** Investment Statement Message Set *** -->

<!-- FI supports download of transactions -->

<!ELEMENT TRANDNLD   %BOOLTYPE; >

<!-- FI supports download of open orders -->

<!ELEMENT OODNLD   %BOOLTYPE; >

<!-- FI supports download of positions -->

<!ELEMENT POSDNLD   %BOOLTYPE; >

<!-- FI supports download of balances -->

<!ELEMENT BALDNLD   %BOOLTYPE; >

<!-- FI supports download of 401K information -->

<!ELEMENT INV401KDNLD   %BOOLTYPE; >

<!-- **** Security List Message Set *** -->

<!-- Security List message Set -->

<!ELEMENT SECLISTMSGSET   (SECLISTMSGSETV1) >

<!ELEMENT SECLISTMSGSETV1   (MSGSETCORE, SECLISTRQDNLD) >


<!-- FI supports SECLISTRQ -->

<!ELEMENT SECLISTRQDNLD   %BOOLTYPE; >

<!-- INVESTMENT EMAIL -->

<!ELEMENT INVMAILTRNRQ       (%TRNRQMACRO;, INVMAILRQ)>

<!ELEMENT INVMAILTRNRS       (%TRNRSMACRO;, INVMAILRS?)>

<!ELEMENT INVMAILSYNCRQ      (%SYNCRQMACRO;, INCIMAGES, USEHTML, INVACCTFROM, INVMAILTRNRQ*)>

<!ELEMENT INVMAILSYNCRS      (%SYNCRSMACRO;, INVACCTFROM, INVMAILTRNRS*)>

<!ELEMENT INVMAILRQ          (INVACCTFROM, MAIL)>

<!ELEMENT INVMAILRS          (INVACCTFROM, MAIL)>

<!-- Message sets -->

<!ELEMENT EMAILMSGSRQV1      ((MAILTRNRQ | MAILSYNCRQ | GETMIMETRNRQ)+ )>

<!ELEMENT EMAILMSGSRSV1      ((MAILTRNRS | MAILSYNCRS | GETMIMETRNRS)+ )>


<!-- Profile entry for message set -->

<!ELEMENT EMAILMSGSET        (EMAILMSGSETV1)>

<!ELEMENT EMAILMSGSETV1      (MSGSETCORE, MAILSUP, GETMIMESUP)>

<!ELEMENT MAILSUP            %BOOLTYPE;>

<!ELEMENT GETMIMESUP         %BOOLTYPE;>

<!-- Email Transactions -->

<!ELEMENT MAILTRNRQ      (%TRNRQMACRO;, MAILRQ)>

<!ELEMENT MAILTRNRS      (%TRNRSMACRO;, MAILRS?)>

<!ELEMENT GETMIMETRNRQ   (%TRNRQMACRO;, GETMIMERQ)>

<!ELEMENT GETMIMETRNRS   (%TRNRSMACRO;, GETMIMERS?)>

<!-- Email Request -->

<!ELEMENT MAILRQ         (MAIL)>

<!ELEMENT MAIL           (USERID, DTCREATED, FROM, TO ,
                          SUBJECT, MSGBODY, INCIMAGES ,
                          USEHTML)>

<!ELEMENT DTCREATED      %DTTMTYPE;>

<!ELEMENT FROM           %GENNAMETYPE;> 

<!ELEMENT TO             %GENNAMETYPE;>

<!ELEMENT SUBJECT        %SUBJECTTYPE;>

<!ELEMENT USEHTML        %BOOLTYPE;>

<!ELEMENT MSGBODY        %MSGBODYTYPE;>

<!-- Email Response -->

<!ELEMENT MAILRS         (MAIL)>

<!-- Email sync -->

<!ELEMENT MAILSYNCRQ     (%SYNCRQMACRO;, INCIMAGES, USEHTML, MAILTRNRQ*)>

<!ELEMENT MAILSYNCRS     (%SYNCRSMACRO;, MAILTRNRS*)>

<!-- HTML GET -->

<!ELEMENT GETMIMERQ      (URL)>

<!ELEMENT GETMIMERS      (URL)>


<!-- BILL PRESENTMENT   -->

<!-- Profile entry for message set -->

<!ELEMENT PRESDIRMSGSET         (PRESDIRMSGSETV1+)>

<!ELEMENT PRESDIRMSGSETV1       (MSGSETCORE, PRESDIRPROF?)>

<!ELEMENT PRESDIRPROF       (PROCDAYSOFF*, CANSUPPORTIMAGES, PROCENDTM)>

<!-- No synchronization in this module -->

<!-- ================== -->
<!-- DIRECTORY MESSAGES -->
<!-- ================== -->

    
<!-- FIND BILLER -->

    
<!-- Find Biller Message set -->

<!ELEMENT PRESDIRMSGSRQV1     (FINDBILLERTRNRQ)>

<!ELEMENT PRESDIRMSGSRSV1     (FINDBILLERTRNRS)>

    
<!-- Find Biller Transactions -->

<!ELEMENT FINDBILLERTRNRQ     (%TRNRQMACRO;, FINDBILLERRQ)>

<!ELEMENT FINDBILLERTRNRS     (%TRNRSMACRO;, FINDBILLERRS?)>

<!-- Find Biller Request and Response -->

<!ELEMENT FINDBILLERRQ   (DTUPDATE?, BILLERID?, NAME?, ADDR1?,
                          ADDR2?, ADDR3?, CITY?, STATE?,  
                          POSTALCODE?, COUNTRY?, SIC?,
                          CONSUPOSTALCODE?, INCIMAGES)>                                   

<!ELEMENT FINDBILLERRS   (DTUPDATE ,BILLERINFO*)>
    

<!ELEMENT BILLERINFO     (BILLPUB, BILLERID, NAME, ADDR1,
                          ADDR2?, ADDR3?, CITY, STATE,  
                          POSTALCODE ,COUNTRY ,SIC ,PHONE ,
                          PAYMENTINSTRUMENTS?, ACCTFORMAT?,
                          ACCTEDITMASK?, HELPMESSAGE?, RESTRICT?, LOGO?,
                          VALIDATE?, BILLERINFOURL?)>

<!ELEMENT PAYMENTINSTRUMENTS       (PAYMENTINSTRUMENT+)>

<!ELEMENT PAYMENTINSTRUMENT        (PMTINSTRUMENTTYPE, BRAND?)>

<!ELEMENT DTUPDATE       %DTTMTYPE;>

<!ELEMENT CONSUPOSTALCODE  %ZIPTYPE;>

<!ELEMENT BILLPUB        %GENNAMETYPE;>

<!ELEMENT BILLERID       %IDTYPE;>

<!ELEMENT ACCTFORMAT     %MSGTYPE;>

<!ELEMENT ACCTEDITMASK   %MSGTYPE;>

<!ELEMENT HELPMESSAGE    %MSGTYPE;>

<!ELEMENT RESTRICT       %MSGTYPE;>

<!ELEMENT VALIDATE       %URLTYPE;>

<!ELEMENT BILLERINFOURL  %URLTYPE;>

<!ELEMENT LOGO           %URLTYPE;>
    

<!-- ================== -->
<!-- SIGNUP MESSAGES    -->
<!-- ================== -->

<!-- ENROLL SAME AS STANDARD OFX ENROLL-->

<!-- ACTIVATION SAME AS STANDARD OFX -->

<!ELEMENT PRESNAMEADDRESS  (NAMEACCTHELD?, BUSNAMEACCTHELD?, ADDR1?, ADDR2?,
		            ADDR3?, CITY?, STATE?, POSTALCODE?, COUNTRY?,
		            DAYPHONE?, EVEPHONE?)>

<!-- ACCOUNT INFO SAME AS STANDARD OFX EXCEPT FOR GROUP Messages-->

<!ELEMENT NAMEACCTHELD  %NAMEACCTHELDTYPE;>

<!ELEMENT BUSNAMEACCTHELD  %NAMEACCTHELDTYPE;>

<!-- ====================== -->
<!-- BILL DELIVERY MESSAGES -->
<!-- ====================== -->

<!-- Bill Delivery -->

<!-- Bill Delivery Message set     -->
<!-- Profile entry for message set -->

<!ELEMENT PRESDLVMSGSET         (PRESDLVMSGSETV1+)>

<!ELEMENT PRESDLVMSGSETV1       (MSGSETCORE, PRESDLVPROF?, EMAILPROF)>

<!ELEMENT PRESDLVPROF           (CANSUPPORTGROUPID, PROCDAYSOFF*, CANSUPPORTIMAGES, 
                                 PROCENDTM, CANUPDATEPRESNAMEADDRESS)>

<!-- No synchronization in this module -->

<!ELEMENT PRESDLVMSGSRQV1   ((PRESLISTTRNRQ | PRESGRPACCTINFOTRNRQ | PRESDETAILTRNRQ | 
                             BILLTBLSTRUCTTRNRQ | PRESNOTIFYTRNRQ | BILLSTATUSMODTRNRQ | 
                             PRESMAILSYNCRQ | PRESMAILTRNRQ)+ )>

<!ELEMENT PRESDLVMSGSRSV1   ((PRESLISTTRNRS | PRESGRPACCTINFOTRNRS | PRESDETAILTRNRS |
                             BILLTBLSTRUCTTRNRS | PRESNOTIFYTRNRS | BILLSTATUSMODTRNRS |
                             PRESMAILSYNCRS | PRESMAILTRNRS)+ )>

<!-- Account Info Group Transactions -->

<!ELEMENT PRESGRPACCTINFOTRNRQ     (%TRNRQMACRO;, (USERID | GROUPID)?, ACCTINFORQ)>

<!ELEMENT PRESGRPACCTINFOTRNRS     (%TRNRSMACRO;, ACCTINFORS?)>  

<!ELEMENT PRESACCTINFO               (PRESACCTFROM, SVCSTATUS, REASON?)>

<!ELEMENT PRESACCTFROM  (BILLPUB, BILLERID, BILLERNAME?, ACCTID, PRESNAMEADDRESS?,
                         USERID?, ( SPNAME?, ((PAYEEID, PAYEELSTID?) | PAYEELSTID ))?)>

<!ELEMENT PRESACCTTO    (BILLPUB, BILLERID, BILLERNAME?, ACCTID, PRESNAMEADDRESS?,
                         USERID?, ( SPNAME?, ((PAYEEID, PAYEELSTID?) | PAYEELSTID ))?)>
 
<!ELEMENT GROUPID                  %IDTYPE;>

<!ELEMENT REASON                   %MSGTYPE;>

<!ELEMENT PMTINSTRUMENTTYPE        %PMTINSTRUMENTENUM;>

<!ELEMENT BRAND                    %GENNAMETYPE;>

<!ELEMENT BILLERNAME	           %GENNAMETYPE;>

<!-- Bill Delivery Transactions -->

<!ELEMENT PRESLISTTRNRQ     (%TRNRQMACRO;,  (USERID|GROUPID)?, PRESLISTRQ)>

<!ELEMENT PRESLISTTRNRS     (%TRNRSMACRO;, PRESLISTRS?)>

<!ELEMENT PRESNOTIFYTRNRQ     (%TRNRQMACRO;, PRESNOTIFYRQ)>

<!ELEMENT PRESNOTIFYTRNRS     (%TRNRSMACRO;, PRESNOTIFYRS?)>

<!ELEMENT BILLSTATUSMODTRNRQ     (%TRNRQMACRO;, BILLSTATUSMODRQ)>

<!ELEMENT BILLSTATUSMODTRNRS     (%TRNRSMACRO;, BILLSTATUSMODRS?)>

<!ELEMENT PRESLISTRQ        (BILLPUB, DTSTART?, DTEND?, DTDUEBY?, BILLERID?, 
                             BILLID?, BILLTYPE*, BILLSTATUSCODE*, 
                             BILLPMTSTATUSCODE*, NOTIFYWILLING, INCLUDEDETAIL, 
                             INCLUDEBILLSTATUS?, INCLUDEBILLPMTSTATUS?, 
                             INCLUDESTATUSHIST?, INCLUDECOUNTS?, INCLUDESUMMARY?)>

<!ELEMENT DTDUEBY                   %DTTMTYPE;>

<!ELEMENT BILLTYPE                  %BILLTYPEENUM;>

<!ELEMENT BILLSTATUSCODE            %BILLSTATUSCODEENUM;>

<!ELEMENT BILLPMTSTATUSCODE         %BILLPMTSTATUSCODEENUM;>

<!ELEMENT INCLUDEBILLSTATUS         %BOOLTYPE;>

<!ELEMENT INCLUDEBILLPMTSTATUS      %BOOLTYPE;> 

<!ELEMENT INCLUDESTATUSHIST         %BOOLTYPE;>

<!ELEMENT INCLUDECOUNTS             %BOOLTYPE;>

<!ELEMENT INCLUDESUMMARY            %BOOLTYPE;>
                                

<!ELEMENT PRESLISTRS        (BILLPUB, USERID, DTSTART, DTEND, 
                             PRESLIST?, PRESCOUNTS?)>

<!ELEMENT PRESCOUNTS              (BILLSTATUSCOUNTS*, BILLPMTSTATUSCOUNTS*)>      

<!ELEMENT BILLSTATUSCOUNTS        (BILLSTATUSCODE, COUNT)>  

<!ELEMENT BILLPMTSTATUSCOUNTS     (BILLPMTSTATUSCODE, COUNT)>  

<!ELEMENT COUNT                   %IDTYPE;>

<!ELEMENT PRESLIST          (PRESBILLINFO*)>


<!ELEMENT PRESBILLINFO      (BILLID, PRESACCTFROM, PAYEEID?, BILLREFINFO?, AMTDUE,
                             MINAMTDUE?, DTPMTDUE, DTBILL, DTOPEN?, DTCLOSE?,
                             PREVBAL?, ACTIVITY?, ACCTBAL?, INVOICE?, NOTIFYDESIRED,
                             BILLTYPE?, BILLSTATUS*, BILLPMTSTATUS*,
                             STMNTIMAGE?, (DETAILAVAILABLE|BILLDETAILTABLE))>

<!ELEMENT BILLSTATUS        (BILLSTATUSCODE, DTEFF, STATUSMODBY?)>  

<!ELEMENT BILLPMTSTATUS     (SRVRTID?, BILLPMTSTATUSCODE, DTEFF, STATUSMODBY?)>

<!ELEMENT DTEFF             %DTTMTYPE;> 

<!ELEMENT STATUSMODBY       %STATUSMODBYENUM;>                                

<!ELEMENT BILLSTATUSMODRQ   (BILLID?, BILLSTATUS?, BILLPMTSTATUS?)>

<!ELEMENT BILLSTATUSMODRS   (BILLID?, BILLSTATUS?, BILLPMTSTATUS?)>

<!ELEMENT STMNTIMAGE      ( IMAGEURL, PREFETCHURL*, DTEXPIRE? )>

<!ELEMENT PRESDETAILTRNRQ   (%TRNRQMACRO;, PRESDETAILRQ)>

<!ELEMENT PRESDETAILRQ      (BILLID, BILLDETAILTABLETYPE?)>

<!ELEMENT PRESDETAILTRNRS   (%TRNRSMACRO;, PRESDETAILRS?)>

<!ELEMENT PRESDETAILRS    (PRESDETAIL*)>

<!ELEMENT PRESDETAIL        (BILLID, PRESACCTFROM?, BILLDETAILTABLE*)>

<!ELEMENT BILLDETAILTABLE         (TABLENAME, BILLDETAILTABLETYPE, BILLDETAILROW*)>

<!ELEMENT BILLDETAILROW           (C | N)*>

<!ELEMENT BILLTBLSTRUCTTRNRQ     (%TRNRQMACRO;, BILLTBLSTRUCTRQ)>

<!ELEMENT BILLTBLSTRUCTTRNRS     (%TRNRSMACRO;, BILLTBLSTRUCTRS?)>

<!ELEMENT BILLTBLSTRUCTRQ        (BILLID, BILLDETAILTABLETYPE)>

<!ELEMENT BILLTBLSTRUCTRS        (BILLID, BILLDETAILTABLETYPE, COLDEF*)>

<!ELEMENT COLDEF                 (COLNAME, COLTYPE)>
    

<!ELEMENT PRESNOTIFYRQ      (PRESDELIVERYID)>

<!ELEMENT PRESNOTIFYRS      (PRESDELIVERYID)>

<!ELEMENT PRESDELIVERYID    (PRESACCTFROM,BILLID,DTSEEN)>

<!ELEMENT NOTIFYWILLING   %BOOLTYPE;>

<!ELEMENT INCLUDEDETAIL   %BOOLTYPE;>

<!ELEMENT AMTDUE          %AMTTYPE;>

<!ELEMENT MINAMTDUE       %AMTTYPE;>

<!ELEMENT DTBILL          %DTTMTYPE;>

<!ELEMENT PREVBAL         %AMTTYPE;>

<!ELEMENT ACTIVITY        %AMTTYPE;>

<!ELEMENT ACCTBAL         %AMTTYPE;>

<!ELEMENT NOTIFYDESIRED   %BOOLTYPE;>

<!ELEMENT DETAILAVAILABLE  %BOOLTYPE;>

<!ELEMENT IMAGEURL        %URLTYPE;>

<!ELEMENT PREFETCHURL     %URLTYPE;>

<!ELEMENT TABLENAME       %GENNAMETYPE;>

<!ELEMENT BILLDETAILTABLETYPE       %GENNAMETYPE;>

<!ELEMENT C               %MSGTYPE;>

<!ELEMENT N               %CHARTYPE;>

<!ELEMENT COLNAME         %GENNAMETYPE;>

<!ELEMENT COLTYPE         %COLUMNTYPE;>

<!ELEMENT DTSEEN          %DTTMTYPE;>

<!ELEMENT BILLID          %IDTYPE;>
    

<!-- =============================== -->
<!-- BILL PRESENTMENT EMAIL MESSAGES -->
<!-- =============================== -->

<!-- Synchronization -->

<!ELEMENT PRESMAILSYNCRQ    (%SYNCRQMACRO;, INCIMAGES, USEHTML, PRESACCTFROM, PRESMAILTRNRQ*)>

<!ELEMENT PRESMAILSYNCRS    (%SYNCRSMACRO;, PRESACCTFROM, PRESMAILTRNRS*)>


<!-- Bill Presentment Mail -->

<!ELEMENT PRESMAILTRNRQ     (%TRNRQMACRO;, PRESMAILRQ)>

<!ELEMENT PRESMAILTRNRS     (%TRNRSMACRO;, PRESMAILRS?)>

<!ELEMENT PRESMAILRQ        (PRESACCTFROM, MAIL)>

<!ELEMENT PRESMAILRS        (PRESACCTFROM, MAIL)>


<!-- Profile message set -->

<!ELEMENT PROFMSGSRQV1          ((PROFTRNRQ)+ )>

<!ELEMENT PROFMSGSRSV1          ((PROFTRNRS)+ )>

<!-- Profile entry for message set -->

<!ELEMENT PROFMSGSET         (PROFMSGSETV1)>

<!ELEMENT PROFMSGSETV1       (MSGSETCORE)>

<!-- No synchronization in this module -->

<!-- Transactions -->

<!ELEMENT PROFTRNRQ      (%TRNRQMACRO;, PROFRQ)>

<!ELEMENT PROFTRNRS      (%TRNRSMACRO;, PROFRS?)>

<!-- Messages -->

<!-- Message List -->

<!ENTITY % MSGSETMACRO "(SIGNUPMSGSET | BANKMSGSET | CREDITCARDMSGSET |
     		         INVSTMTMSGSET | INTERXFERMSGSET | WIREXFERMSGSET |
 		         BILLPAYMSGSET | EMAILMSGSET | SECLISTMSGSET |
		         PRESDIRMSGSET | PRESDLVMSGSET | TAX1099MSGSET |
			 TAXW2MSGSET)">

<!ELEMENT MSGSETLIST  (((( SIGNONMSGSET , (%MSGSETMACRO;)+, PROFMSGSET) | 
                         (PROFMSGSET, (%MSGSETMACRO;)*, SIGNONMSGSET)), (%MSGSETMACRO;)*) |
          		 ((%MSGSETMACRO;)+, (( SIGNONMSGSET | PROFMSGSET), (%MSGSETMACRO;)*, 
                         (PROFMSGSET | SIGNONMSGSET)), (%MSGSETMACRO;)*)) >

<!ELEMENT PROFRQ     (CLIENTROUTING, DTPROFUP)>

<!ELEMENT CLIENTROUTING  %CLIENTROUTINGENUM;>

<!ELEMENT PROFRS     (MSGSETLIST, SIGNONINFOLIST, DTPROFUP,
                      FINAME, (ADDR1,(ADDR2,ADDR3?)?), CITY, STATE, POSTALCODE, COUNTRY,
                      CSPHONE?, TSPHONE?, FAXPHONE?, URL?, EMAIL? )>

<!ELEMENT FINAME         %GENNAMETYPE;>

<!ELEMENT CSPHONE        %PHONETYPE;>

<!ELEMENT TSPHONE        %PHONETYPE;>

<!ELEMENT FAXPHONE       %PHONETYPE;>

<!-- Signon realm info -->

<!ELEMENT SIGNONINFOLIST     (SIGNONINFO*)>

<!ELEMENT SIGNONINFO         (SIGNONREALM, MIN, MAX ,
                              CHARTYPE, CASESEN, SPECIAL, SPACES, 
                              PINCH, CHGPINFIRST)>

<!ELEMENT SIGNONREALM        %GENNAMETYPE;>

<!ELEMENT MIN                %MAXMINTYPE;>

<!ELEMENT MAX                %MAXMINTYPE;>

<!ELEMENT CHARTYPE           %CHARTYPEENUM;>

<!ELEMENT CASESEN            %BOOLTYPE;>

<!ELEMENT SPECIAL            %BOOLTYPE;>

<!ELEMENT SPACES             %BOOLTYPE;>

<!ELEMENT PINCH              %BOOLTYPE;>

<!ELEMENT CHGPINFIRST        %BOOLTYPE;>

<!-- Message set core info - used by all XXXMSGSETVn -->

<!ELEMENT MSGSETCORE     (VER, URL, OFXSEC, TRANSPSEC, SIGNONREALM ,
                          LANGUAGE+, SYNCMODE, REFRESHSUPT?,
		          RESPFILEER, SPNAME? )>

<!ELEMENT VER            %VERTYPE;>

<!ELEMENT OFXSEC         %SECURITYENUM;>

<!ELEMENT TRANSPSEC      %BOOLTYPE;> 

<!ELEMENT SYNCMODE       %SYNCENUM;>

<!ELEMENT REFRESHSUPT	 %BOOLTYPE;>

<!ELEMENT RESPFILEER     %BOOLTYPE;>

<!ELEMENT SPNAME         %GENNAMETYPE;>


<!-- Generic Elements and Common Aggregates -->

<!ELEMENT DTCLIENT   %DTTMTYPE;>

<!ELEMENT USERID     %IDTYPE;>

<!ELEMENT USERPASS   %PASSWORDTYPE;>

<!ELEMENT USERKEY    %USERKEYTYPE;>

<!ELEMENT GENUSERKEY         %BOOLTYPE;>

<!ELEMENT APPID      %APPIDTYPE;>

<!ELEMENT APPVER     %INTTYPE;>

<!ELEMENT DTSERVER   %DTTMTYPE;>

<!ELEMENT TSKEYEXPIRE            %DTTMTYPE;>

<!ELEMENT CLTCOOKIE  %IDTYPE;>

<!ELEMENT TAN        %TANTYPE;>

<!ELEMENT DESC       %SHORTMSGTYPE;>

<!ELEMENT PHONE      %PHONETYPE;>

<!-- general error reporting aggregate -->

<!ELEMENT STATUS         (CODE, SEVERITY, MESSAGE? )> 

<!ELEMENT CODE                   %ERRORTYPE;>

<!ELEMENT SEVERITY       %SEVERITYENUM;>

<!-- OFX 1.02 A-255 -->

<!ELEMENT MESSAGE        %MSGTYPE;>

<!-- Balance record -->

<!ELEMENT BAL            (NAME, DESC, BALTYPE, VALUE, 
                         DTASOF?, CURRENCY?)>

<!ELEMENT BALTYPE    %BALANCEENUM;>

<!ELEMENT VALUE      %AMTTYPE;>

<!--

    TRNUID - a UUID that uniquely identifies transactions

-->

<!ELEMENT TRNUID                         %UUIDTYPE;>

<!-- Server ID -->

<!ELEMENT SRVRTID    %SRVRIDTYPE;>

<!-- Transaction ID issued by financial institution.This ID is used to detect duplicate downloads -->

<!ELEMENT FITID          %FITIDTYPE;>

<!-- starting date -->

<!ELEMENT DTSTART        %DTTMTYPE;>

<!-- ending date -->

<!ELEMENT DTEND          %DTTMTYPE;>

<!ELEMENT DTPROFUP       %DTTMTYPE;>

<!ELEMENT DTACCTUP       %DTTMTYPE;>

<!-- Sync-related -->

<!ELEMENT TOKENONLY          %BOOLTYPE;>

<!ELEMENT TOKEN              %SRVRIDTYPE;>

<!ELEMENT REFRESH            %BOOLTYPE;>

<!ELEMENT REJECTIFMISSING    %BOOLTYPE;>

<!ELEMENT LOSTSYNC           %BOOLTYPE;>

<!ELEMENT URL                %URLTYPE;>

<!ELEMENT INCIMAGES      %BOOLTYPE;>

<!-- Name & Address-related fields used in several messages -->

<!ELEMENT FIRSTNAME      %GENNAMETYPE;>

<!ELEMENT MIDDLENAME     %GENNAMETYPE;>

<!ELEMENT LASTNAME       %GENNAMETYPE;>

<!--  Payees address lines (1 or more) -->

<!ELEMENT ADDR1      %ADDRESSTYPE;>           

<!ELEMENT ADDR2      %ADDRESSTYPE;>           

<!ELEMENT ADDR3      %ADDRESSTYPE;>           

<!--  Payees city  -->

<!ELEMENT CITY       %ADDRESSTYPE;>           

<!--  Payees state -->

<!ELEMENT STATE      %STATETYPE;>           

<!--  Zip code -->

<!ELEMENT POSTALCODE         %ZIPTYPE;>           

<!--  Payees country -->

<!ELEMENT COUNTRY    %COUNTRYTYPE;>   
    
<!ELEMENT DAYPHONE       %PHONETYPE;>

<!ELEMENT EVEPHONE       %PHONETYPE;>

<!ELEMENT EMAIL          %SHORTMSGTYPE;>


<!-- ============================================================================= -->
<!--            Common between banking, billpay and/or investments                 -->
<!-- ============================================================================= -->

<!-- Bank account -->

<!ELEMENT BANKACCTFROM  (BANKID, BRANCHID?, ACCTID,
                        ACCTTYPE, ACCTKEY?)>

<!ELEMENT BANKACCTTO  (BANKID, BRANCHID?, ACCTID ,
                      ACCTTYPE, ACCTKEY?)>

<!-- Credit card account -->

<!ELEMENT CCACCTFROM  (ACCTID, ACCTKEY?)>

<!ELEMENT CCACCTTO  (ACCTID, ACCTKEY?)>

<!-- Routing & transit number -->

<!ELEMENT BANKID                 %BANKIDTYPE;>

<!-- Bank identifier for international banks -->

<!ELEMENT BRANCHID               %ACCTIDTYPE;>

<!-- Account number -->

<!ELEMENT ACCTID             %ACCTIDTYPE;>

<!-- Type of account.  -->

<!ELEMENT ACCTTYPE           %ACCOUNTENUM;>

<!-- Checksum for international banks -->

<!ELEMENT ACCTKEY            %ACCTIDTYPE;>

<!-- User account number for a merchant -->

<!ELEMENT PAYACCT            %IDTYPE;>

<!--
 If present, this is the FITID of a previously sent transaction that is corrected by this record.
 This transaction replaces or deletes the transaction that it corrects.
-->

<!ELEMENT CORRECTFITID       %FITIDTYPE;>

<!--
 Actions can be REPLACE or DELETE.
 REPLACE replaces the transaction referenced by CORRECTFITID; DELETE deletes it.
-->

<!ELEMENT CORRECTACTION          %CORRECTIVEACTENUM;>

<!-- Payee name or description -->

<!ELEMENT NAME               %GENNAMETYPE;>

<!-- Extra information (not in <NAME>), A-255 -->

<!ELEMENT MEMO           %MSGTYPE;>       

<!-- Marketing information -->

<!ELEMENT MKTGINFO   %INFOTYPE;>

<!-- Include flag -->

<!ELEMENT INCLUDE   %BOOLTYPE; >

<!-- ============================================================================= -->
<!--            Common amounts                                                     -->
<!-- ============================================================================= -->

<!-- Balance amount -->

<!ELEMENT BALAMT         %AMTTYPE;>

<!-- Amount of transaction -->

<!ELEMENT TRNAMT         %AMTTYPE;>

<!-- ============================================================================= -->
<!--            Common dates                                                       -->
<!-- ============================================================================= -->

<!--        Date funds are available -->

<!ELEMENT DTDUE      %DTTMTYPE;>

<!-- Balance date -->

<!ELEMENT DTASOF         %DTTMTYPE;>

<!-- Value date, not used in US -->

<!ELEMENT DTAVAIL        %DTTMTYPE;>

<!-- ============================================================================= -->
<!--        Recurring models and instances                                         -->
<!-- ============================================================================= -->

<!-- If the response is generated by a recurring model, this ID references it -->

<!ELEMENT RECSRVRTID             %SRVRIDTYPE;>    

<!-- Recurring Instructions aggregate -->

<!ELEMENT RECURRINST  (NINSTS?, FREQ)>

<!-- Number of instances. If this tag is omitted, the schedule is open-ended -->

<!ELEMENT NINSTS         %NINSTSTYPE;>

<!-- Frequency -->

<!ELEMENT FREQ           %FREQENUM;>

<!--

 Modify pending flag, boolean

 Note: if this flag is set, the server should modify pending as well as future transfers.

-->

<!ELEMENT MODPENDING             %BOOLTYPE;>

<!--

 Cancel pending flag, boolean

 Note: if this flag is set, the server should cancel pending as well as future transfers.

-->

<!ELEMENT CANPENDING             %BOOLTYPE;>

<!-- International -->

<!ELEMENT LANGUAGE   %LANGUAGEENUM;>

<!ELEMENT CURRENCY       (CURRATE, CURSYM)>

<!ELEMENT ORIGCURRENCY   (CURRATE, CURSYM)>

<!ELEMENT CURSYM         %CURRENCYENUM;>

<!ELEMENT CURRATE        %RATETYPE;>

<!ELEMENT CURDEF         %CURRENCYENUM;>

<!-- ============================================================================= -->
<!--            Common Profile Stuff                                               -->
<!-- ============================================================================= -->

<!--    Recurring transfers and payments -->

<!--    Supports recurring -->

<!ELEMENT CANRECUR   %BOOLTYPE;>

<!--    Can modify recurring models -->

<!ELEMENT CANMODMDLS         %BOOLTYPE;>

<!-- Number of days prior to processing that server makes a recurring transaction available to the client -->

<!ELEMENT MODELWND       %DAYSPANTYPE;>       

<!-- Day where processing is unavailable (MONDAY, TUESDAY, etc) -->

<!ELEMENT PROCDAYSOFF            %DAYSENUM;>       

<!-- Cut off time for day's processing -->

<!ELEMENT PROCENDTM              %TMTYPE;>    

<!-- supports delivery of images as multi-part MIME -->

<!ELEMENT CANSUPPORTIMAGES       %BOOLTYPE;>    

<!-- supports GROUPID transactions -->

<!ELEMENT CANSUPPORTGROUPID       %BOOLTYPE;>    

<!-- supports updating PRESNAMEADDRESS on the server using SVCCHG in ACCTRQ -->

<!ELEMENT CANUPDATEPRESNAMEADDRESS       %BOOLTYPE;>    

 
<!--

<!DOCTYPE OFX  PUBLIC "-//Open Financial Exchange//DTD Tax 1099 Version 1.0//EN">

*********************************************************************************
*                     Open Financial Exchange (OFX)TAX DTD                      *
*********************************************************************************
*   Revision        1.0                                                         *
*   Date:           30 March 2000                                               *
*********************************************************************************
*                           Formal Public Identifier                            *
*                                                                               *
*        -//Open Financial Exchange//DTD Tax 1099 Version 1.0//EN               *
*********************************************************************************
*                                                                               *
*   Copyright 1997, 1998, 1999 CheckFree Corp., Intuit Inc., Microsoft Corp.    *
*   All rights reserved                                                         *
*********************************************************************************
-->


<!-- Profile message sets for Tax -->
<!ELEMENT TAX1099MSGSET   (TAX1099MSGSETV1)>

<!ELEMENT TAX1099MSGSETV1 (MSGSETCORE, TAX1099DNLD, EXTD1099B, TAXYEARSUPPORTED+)>

<!ELEMENT TAX1099DNLD       %BOOLTYPE;>

<!ELEMENT EXTD1099B         %BOOLTYPE;>

<!ELEMENT TAXYEARSUPPORTED  %YEARTYPE;>

<!ELEMENT TAXW2MSGSET     (TAXW2MSGSETV1)>

<!ELEMENT TAXW2MSGSETV1   (MSGSETCORE, TAXW2DNLD, TAXYEARSUPPORTED+)>

<!ELEMENT TAXW2DNLD         %BOOLTYPE;>


<!--    1099 Request Wrappers    -->

<!ELEMENT TAX1099MSGSRQV1 (TAX1099TRNRQ)+>

<!ELEMENT TAXW2MSGSRQV1   (TAXW2TRNRQ)+>

<!--   Request Transactions                                           -->

<!ELEMENT TAX1099TRNRQ    (TRNUID, CLTCOOKIE?, TAN?, TAX1099RQ)>

<!ELEMENT TAXW2TRNRQ      (TRNUID, CLTCOOKIE?, TAN?, TAXW2RQ)>

<!ELEMENT TAX1099RQ     (ACCTNUM?, RECID?, TAXYEAR*)>

<!ELEMENT TAXW2RQ       (SSN, TAXYEAR*)>

<!ELEMENT ACCTNUM     %ACCTIDTYPE;>

<!ELEMENT RECID       %IDTYPE;>

<!ELEMENT TAXYEAR     %YEARTYPE;>

<!ELEMENT TAX1099MSGSRSV1 (TAX1099TRNRS)+>

<!ELEMENT TAXW2MSGSRSV1 (TAXW2TRNRS)+>


<!--   1099 Response Transaction                                            -->
<!--   
                 *************************************************************
                 *              Status Codes for 1099                        *
                 *************************************************************
                 * 0     * Success (INFO)                                    *
                 * 2000  * General error (ERROR)                             *
                 * 2001  * Invalid account (ERROR)                           *
                 * 2002  * General account error (ERROR)                     *
                 * 2003  * Account not found (ERROR)                         *
                 * 2004  * Account closed (ERROR)                            *
                 * 2005  * Account not authorized (ERROR)                    *
                 * 14500 * 1099 forms not yet available for tax year (INFO)  *
                 * 14501 * 1099 forms not available for user ID (ERROR)      *
                 * 15000 * Must change user password (INFO)                  *
                 * 15500 * Unsuccessful <SONRQ> (ERROR)                      *
                 * 15501 * Customer account already in use (ERROR)           *
                 * 15502 * User password lockout (ERROR)                     *
                 *************************************************************
-->
                      
<!--   W2 Response Transaction                                            -->
<!--   
                 *************************************************************
                 *              Status Codes for  W2                         *
                 *************************************************************
                 * 0     * Success (INFO)                                    *
                 * 2000  * General error (ERROR)                             *
                 * 2001  * Invalid account (ERROR)                           *
                 * 2002  * General account error (ERROR)                     *
                 * 2003  * Account not found (ERROR)                         *
                 * 2004  * Account closed (ERROR)                            *
                 * 2005  * Account not authorized (ERROR)                    *
                 * 14500 * W2 forms not yet available for tax year (INFO)  *
                 * 14501 * W2 forms not available for user ID (ERROR)      *
                 * 15000 * Must change user password (INFO)                  *
                 * 15500 * Unsuccessful <SONRQ> (ERROR)                      *
                 * 15501 * Customer account already in use (ERROR)           *
                 * 15502 * User password lockout (ERROR)                     *
                 *************************************************************
-->

<!ELEMENT TAX1099TRNRS (TRNUID, STATUS, CLTCOOKIE?, TAX1099RS?)>

<!ELEMENT TAXW2TRNRS (TRNUID, STATUS, CLTCOOKIE?, TAXW2RS?)>

<!ELEMENT TAX1099RS  (ACCTNUM?, RECID?, (TAX1099MISC_V100 | TAX1099R_V100 |
                      TAX1099B_V100 | TAX1099INT_V100 | TAX1099DIV_V100 |
                      TAX1099OID_V100)+)>

<!ELEMENT TAXW2RS  (SSN?, (TAXW2_V100)+)>



<!--
*********************************************************************************
*                                     Tax Form 1099MISC                         *
*********************************************************************************
-->

<!ELEMENT TAX1099MISC_V100 (SRVRTID, TAXYEAR, VOID?, CORRECTED?, RENTS?,
                            ROYALTIES?, OTHERINCOME?, FEDTAXWH?, FISHBOATPRO?,
                            MEDHEALTHPAY?, NONEMPCOMP?, SUBPMTS?, PAYER5KSALES?,
                            CROPINSPRO?, STTAXWH?, PAYERSTATE?, PAYERSTID?,
                            GROSSATTOR?, EXCSGLDN?, PAYERADDR, PAYERID, 
                            RECADDR?, RECID, RECACCT?, TINNOT?)>

<!--   Y if the form is void, Boolean                                         -->

<!ELEMENT VOID              %BOOLTYPE;>

<!--   Y if this is a corrected form, Boole                                   -->

<!ELEMENT CORRECTED         %BOOLTYPE;>

<!--  Rents, Amount                                                           -->

<!ELEMENT RENTS             %AMTTYPE;>

<!--  Royalties, Amount							      -->

<!ELEMENT ROYALTIES         %AMTTYPE;>

<!--  Other Income, Amount                                                    -->

<!ELEMENT OTHERINCOME       %AMTTYPE;>

<!-- Federal Tax Withheld, Amount                                             -->

<!ELEMENT FEDTAXWH          %AMTTYPE;>

<!-- Fishing Boat proceeds, Amount                                            -->

<!ELEMENT FISHBOATPRO       %AMTTYPE;>

<!-- Medical/health payments, amount                                          -->

<!ELEMENT MEDHEALTHPAY      %AMTTYPE;>

<!--  Nonemployee compensation, amount                                        -->

<!ELEMENT NONEMPCOMP        %AMTTYPE;>

<!--  Substitute payments in lieur of dividends or interest, Amount           -->

<!ELEMENT SUBPMTS           %AMTTYPE;>

<!--  Payer made direct sales of $5,000 or more of consumer products to       -->
<!--  a buyer (recipient) for resale, Boolean                                 -->

<!ELEMENT PAYER5KSALES      %BOOLTYPE;>

<!--  Crop insurance proceeds, Amount                                         -->

<!ELEMENT CROPINSPRO        %AMTTYPE;>

<!--  State tax withheld, Amount                                              -->

<!ELEMENT STTAXWH           %AMTTYPE;>

<!-- Payers state code                                                        -->

<!ELEMENT PAYERSTATE        %STATECODETYPE;>

<!-- Payers state ID number                                                   -->

<!ELEMENT PAYERSTID         %IDTYPE;>

<!-- Gross proceeds paid to an attorney (Code A), Amount                      -->

<!ELEMENT GROSSATTOR         %AMTTYPE;>

<!--  Excess golden parachute payments (Code EPP), Amount                     -->

<!ELEMENT EXCSGLDN          %AMTTYPE;>

<!--
*********************************************************************************
*                                    PAYERADDR Aggregate                        *
*********************************************************************************
-->

<!--   Payers Address                                                          -->

<!ELEMENT PAYERADDR        (PAYERNAME1, PAYERNAME2?, ADDR1, ADDR2?, ADDR3?, CITY, STATE,
                            POSTALCODE, PHONE?)>

<!ELEMENT PAYERNAME1        %GENNAMETYPE;>

<!ELEMENT PAYERNAME2        %GENNAMETYPE;>

<!ELEMENT PAYERID           %GENNAMETYPE;>

<!--  Receivers Address          					       -->

<!ELEMENT RECADDR          (RECNAME1, RECNAME2?, ADDR1, ADDR2?, ADDR3?, CITY, STATE,
                            POSTALCODE, PHONE?)>

<!ELEMENT RECNAME1	   %GENNAMETYPE;>

<!ELEMENT RECNAME2	   %GENNAMETYPE;>

<!--  Receivers Account Number                                                 -->

<!ELEMENT RECACCT          %GENNAMETYPE;>

<!-- Second TIN notification, Boolean                                          -->

<!ELEMENT TINNOT           %BOOLTYPE;>

<!--
*********************************************************************************
*                                     Tax Form 1099R                            *
*********************************************************************************
-->


<!ELEMENT TAX1099R_V100     (SRVRTID, TAXYEAR, VOID?, CORRECTED?, GROSSDIST?, TAXAMT?,
                             TAXAMTND?, TOTALDIST?, CAPGAIN?, FEDTAXWH?, EMPCONTINS?,
                             NETUNAPEMP?, DISTCODE+, IRASEPSIMP?, ANNCTRCTDIST?, 
                             ANNCTRCTPER?, PERTOTDIST?, TOTEMPCONT?, STTAXWHAGG*,
                             LCLTAXWHAGG*, PAYERADDR, PAYERID, RECADDR?, RECID,
                             RECACCT?)>
 
<!ELEMENT GROSSDIST         %AMTTYPE;>

<!--   Tax Amount                                                            -->

<!ELEMENT TAXAMT            %AMTTYPE;>

<!--   Taxable amount not determined, boolean                                -->

<!ELEMENT TAXAMTND          %BOOLTYPE;>

<!--  Total Distribution, Amount                                             -->

<!ELEMENT TOTALDIST         %AMTTYPE;>

<!-- Capital Gain, Amount                                                    -->

<!ELEMENT CAPGAIN           %AMTTYPE;>

<!--   Employee contributions or insurance premiums, amount                  -->

<!ELEMENT EMPCONTINS        %AMTTYPE;>

<!--   Net unrealized appreciation in employer's securities, amount          -->

<!ELEMENT NETUNAPEMP        %AMTTYPE;>

<!--   Distribution Code                                                      -->

<!ELEMENT DISTCODE          %CHARTYPE;>

<!--   IRA/SEP/SIMPLE, boolean.  The <IRASEPSIMP> element is required if      -->
<!--                             and of the following elements are present    -->
<!--                             in the 1099R content:  <GROSSDIST>, <TAXAMT>,-->
<!--                             <FEDTAXWH>, <STTAXWH>, or <LCLTAXWH>.        -->

<!ELEMENT IRASEPSIMP        %BOOLTYPE;>

<!--  Anuual contract distribution, amount                                    -->

<!ELEMENT ANNCTRCTDIST      %AMTTYPE;>

<!--  Annual contract percentage rate                                         -->

<!ELEMENT ANNCTRCTPER       %RATETYPE;> 


<!--  Your percentage of total distribution rate                              -->

<!ELEMENT PERTOTDIST        %RATETYPE;>

<!-- Total employee contributions, amount                                   -->

<!ELEMENT TOTEMPCONT        %AMTTYPE;>

<!--   State Tax Withheld                                                    -->

<!ELEMENT STTAXWHAGG        (AMOUNT, PAYERSTATE, PAYERSTID?, STDIST?)>

<!--   State Distribution - Amount                                            -->

<!ELEMENT STDIST            %AMTTYPE;>

<!--   Local Tax Withheld                                                     -->

<!ELEMENT LCLTAXWHAGG       (AMOUNT, NAMELCL, LCLDIST?)>

<!ELEMENT AMOUNT             %AMTTYPE;>

<!--   Name of Locality                                                       -->

<!ELEMENT NAMELCL            %GENNAMETYPE;>

<!--   Local Distribution - Amount                                            -->

<!ELEMENT LCLDIST           %AMTTYPE;>

<!--
*********************************************************************************
*                                     Tax Form 1099B                            *
*********************************************************************************
-->

<!ELEMENT TAX1099B_V100       (SRVRTID, TAXYEAR, VOID?, CORRECTED?, DTSALE?, 
                               CUSIPNUM?, STKBND?, BARTERING?, FEDTAXWH?, 
                               DSCR?, PROFIT?, UNRELPROFITPREV?, UNRELPROFIT?,
                               AGGPROFIT?, EXTDBINFO_V100?, PAYERADDR, PAYERID,
                               RECADDR?, RECID, RECACCT?, TINNOT?)>

<!--   Date of Sale                                                           -->

<!ELEMENT DTSALE            %DTTMTYPE;>

<!--   Committee on Uniform Security Identity Procedures number.              -->

<!ELEMENT CUSIPNUM          %CUSIPTYPE;>

<!--   Stocks, Bonds, etc.                                                    -->

<!ELEMENT STKBND            (STKBNDAMT, SBGROS?, SBGROSLESS?)>

<!--   Amount of Stocks, Bonds, etc.                                          -->

<!ELEMENT STKBNDAMT         %AMTTYPE;>

<!--   Stocks, bonds, etc., gross proceeds, boolean                           -->

<!ELEMENT SBGROS            %BOOLTYPE;>

<!--   Stocks, bonds, etc., gross proceeds less commissions and option        -->
<!--   premiums, boolean                                                      -->

<!ELEMENT SBGROSLESS        %BOOLTYPE;>

<!--  Bartering, amount                 				      -->

<!ELEMENT BARTERING         %AMTTYPE;>

<!--   Description                                                            -->

<!ELEMENT DSCR              %SHORTMSGTYPE;>

<!ELEMENT PROFIT            %AMTTYPE;>

<!--   Unrealized profit or loss on open contracts in previous tax year       -->
<!--   amount                                                                 -->

<!ELEMENT UNRELPROFITPREV   %AMTTYPE;>

<!--    Unrealized profit or loss on open contracts in this year, amount      -->

<!ELEMENT UNRELPROFIT       %AMTTYPE;>

<!--    Aggregate profit or loss, amount                                      -->

<!ELEMENT AGGPROFIT         %AMTTYPE;>

<!--    Extended 1099B information typically found in 1099B broker summary    -->
<!--    reports.                                                              -->

<!ELEMENT EXTDBINFO_V100          (PROCDET_V100*, TEINTEREST?, PABINTEREST?, TEINTDIVIDEND?,
                             PABDIVIDEND?)>

<!--	1099 proceeds description                                             -->

<!ELEMENT PROCDET_V100           ((DTAQD | DTVAR)?, DTSALE, SECNAME, NUMSHRS, COSTBASIS?, 
                             SALESPR, LONGSHORT?, WASHSALE?)>

<!--	Date acquired.                                                        -->

<!ELEMENT DTAQD             %DTTMTYPE;>

<!--	Date various.                                                         -->

<!ELEMENT DTVAR             %BOOLTYPE;>

<!--	Number of shares, quantity                                            -->

<!ELEMENT NUMSHRS           %AMTTYPE;>

<!--  	Cost basis of sale, amount                                            -->

<!ELEMENT COSTBASIS         %AMTTYPE;>

<!--  	Sales price                                                           -->

<!ELEMENT SALESPR           %AMTTYPE;>

<!--	Long or short sale, Boolean                                           -->

<!ELEMENT LONGSHORT         %POSTYPEENUM;>

<!--	Wash sale, Boolean                                                    -->

<!ELEMENT WASHSALE          %BOOLTYPE;>

<!--	Tax-exempt Interest, amount                                           -->

<!ELEMENT TEINTEREST        %AMTTYPE;>

<!--	Private activity bond interest included in total tax-exempt interest, -->
<!--    amount                                                                -->

<!ELEMENT PABINTEREST       %AMTTYPE;>

<!--	Tax-exempt interest divident, amount                                  -->

<!ELEMENT TEINTDIVIDEND     %AMTTYPE;>

<!-- 	Private activity bond dividends included in total tax-exempt interest -->
<!-- 	dividends, amount                                                     -->

<!ELEMENT PABDIVIDEND       %AMTTYPE;>

<!--
*********************************************************************************
*                                   Tax Form 1099INT                            *
*********************************************************************************
-->

<!ELEMENT TAX1099INT_V100     (SRVRTID, TAXYEAR, VOID?, CORRECTED?, PAYERRTN?,
                               INTINCOME?, ERLWITHPEN?, INTUSBNDTRS?, FEDTAXWH?,
                               INVESTEXP?, FORTAXPD?, FORCNT?, PAYERADDR, 
                               PAYERID, RECADDR?, RECID, RECACCT?, TINNOT?)>

<!-- Payer's RTN                                                              -->	

<!ELEMENT PAYERRTN	      %GENNAMETYPE;>

<!-- Payer's Interest Income, amount                                          -->	

<!ELEMENT INTINCOME	      %AMTTYPE;>

<!-- Early withdrawl penalty, amount                                          -->	

<!ELEMENT ERLWITHPEN          %AMTTYPE;>

<!-- Interest on U.S. Savings Bonds and Treasury abligations, amount          -->	

<!ELEMENT INTUSBNDTRS         %AMTTYPE;>

<!-- Investment expenses, amount                                              -->	

<!ELEMENT INVESTEXP           %AMTTYPE;>

<!-- Foreign tax paid, amount                                                 -->	

<!ELEMENT FORTAXPD            %AMTTYPE;>

<!-- Foreign country or U.S. possession                                       -->	

<!ELEMENT FORCNT              %GENNAMETYPE;>

<!--
*********************************************************************************
*                                   Tax Form 1099DIV                            *
*********************************************************************************
-->

<!ELEMENT TAX1099DIV_V100     (SRVRTID, TAXYEAR, VOID?, CORRECTED?, ORDDIV?,
                               TOTCAPGAIN?, P28GAIN?, UNRECSEC1250?, SEC1202?,
                               NONTAXDIST?, FEDTAXWH?, INVESTEXP?, FORTAXPD?,
                               FORCNT?, CASHLIQ?, NONCASHLIQ?, PAYERADDR, 
                               PAYERID, RECADDR?, RECID, RECACCT?, TINNOT?)>

<!-- Ordinary dividens, amount                                                -->	

<!ELEMENT ORDDIV  	       %AMTTYPE;>

<!-- Total capital gain distribution, amount                                  -->	

<!ELEMENT TOTCAPGAIN	       %AMTTYPE;>

<!-- 28% rate gain, amount                                                    -->	

<!ELEMENT P28GAIN	       %AMTTYPE;>

<!-- Unrecap. Section 1250 gain, amount                                       -->	

<!ELEMENT UNRECSEC1250         %AMTTYPE;>

<!-- Section 1202 gain, amount                                                -->	

<!ELEMENT SEC1202              %AMTTYPE;>

<!-- Nontaxable distributions, amount                                         -->	

<!ELEMENT NONTAXDIST           %AMTTYPE;>

<!-- Cash liquidation distribution, amount                                    -->	

<!ELEMENT CASHLIQ              %AMTTYPE;>

<!-- Noncash liquidation distribution, amount                                 -->	

<!ELEMENT NONCASHLIQ           %AMTTYPE;>

<!--
*********************************************************************************
*                                   Tax Form 1099OID                            *
*********************************************************************************
-->

<!ELEMENT TAX1099OID_V100     (SRVRTID, TAXYEAR, VOID?, CORRECTED?, ORIGISDISC?,
                               OTHERPERINT?, ERLWITHPEN?, FEDTAXWH?, DESCRIPTION?,
                               OIDONUSTRES?, INVESTEXP?, PAYERADDR, PAYERID, 
                               RECADDR?, RECID, RECACCT?, TINNOT?)>

<!-- Original issue discount, amount                                            -->

<!ELEMENT ORIGISDISC             %AMTTYPE;>

<!-- Other periodic interest, amount                                            -->

<!ELEMENT OTHERPERINT            %AMTTYPE;>

<!-- Original issue discount on U.S. Treasury obligations, amount               -->

<!ELEMENT OIDONUSTRES            %AMTTYPE;>


<!-- Description -->

<!ELEMENT DESCRIPTION            %LONGMSGTYPE;>


<!--
*********************************************************************************
*                                     Tax Form W2                               *
*********************************************************************************
-->

<!ELEMENT TAXW2_V100    (TAXYEAR, CNTRLNO?, VOID?, EMPLOYER, EMPLOYEE, WAGES?,
                         FEDTAXWH?, SSWAGES?, SSTAXWH?, MEDICAREWAGES?, MEDICARETAXWH?,
                         SSTIPS?, ALLOCATEDTIPS?, ADVANCEDEIC?, DEPCAREBENEFIT?, 
                         NONQUALPLAN?, BENEFITSBOX1?, CODES*, OTHER*, STATUTORY?,
                         DECEASED?, PENSIONPLAN?, LEGALREP?, DEFERREDCOMP?, 
                         STATEINFO*, LOCALINFO*)>


<!ELEMENT CNTRLNO        %CNTRLNOTYPE;>

<!--  Employer Information                                                     -->

<!ELEMENT EMPLOYER       (FEDIDNUMBER, NAME1, NAME2?, ADDR1, ADDR2?, ADDR3?,
                          CITY, STATE, POSTALCODE, COUNTRY?)>

<!--  Federal Identification Number                                            -->

<!ELEMENT FEDIDNUMBER     %GENNAMETYPE;>

<!ELEMENT NAME1           %GENNAMETYPE;>

<!ELEMENT NAME2           %GENNAMETYPE;>

<!ELEMENT EMPLOYEE        (SSN, NAME, ADDR1, ADDR2?, ADDR3?, CITY, STATE, 
                           POSTALCODE, COUNTRY?)>

<!-- Social Security Number                                                     -->

<!ELEMENT SSN              %GENNAMETYPE;>

<!ELEMENT WAGES            %AMTTYPE;>

<!--  Social Security Wages, amount                                            -->

<!ELEMENT SSWAGES          %AMTTYPE;>

<!--  Social Security Wages Withheld, amount                                   -->

<!ELEMENT SSTAXWH          %AMTTYPE;>

<!ELEMENT MEDICAREWAGES    %AMTTYPE;>

<!--  Medicare tax withheld, amount                                            -->

<!ELEMENT MEDICARETAXWH       %AMTTYPE;>

<!--  Social Security Tips, amount                                             -->

<!ELEMENT SSTIPS           %AMTTYPE;>

<!--  Allocated tips, amount                                                   -->

<!ELEMENT ALLOCATEDTIPS    %AMTTYPE;>

<!-- Advance EIC payment, amount                                               -->

<!ELEMENT ADVANCEDEIC      %AMTTYPE;>

<!-- Dependent care benefits, amount                                           -->

<!ELEMENT DEPCAREBENEFIT   %AMTTYPE;>

<!-- Nonqualified plan, amount                                                 -->

<!ELEMENT NONQUALPLAN      %AMTTYPE;>

<!-- Benefits included in Box 1, amount                                        -->

<!ELEMENT BENEFITSBOX1     %AMTTYPE;>

<!-- Code and amount, 1 or more                                                -->

<!ELEMENT CODES            (CODE, CODEAMOUNT)>

<!ELEMENT CODEAMOUNT       %AMTTYPE;>

<!--  Other description and amount for Box 14, 1 or More                       -->

<!ELEMENT OTHER            (OTHERDESC, OTHERAMOUNT)>

<!ELEMENT OTHERDESC        %GENDESCTYPE;>

<!ELEMENT OTHERAMOUNT      %AMTTYPE;>

<!--  Statutory employee, Boolean                                              -->

<!ELEMENT STATUTORY        %BOOLTYPE;>

<!--  Deceased, Boolean                                                        -->

<!ELEMENT DECEASED         %BOOLTYPE;>

<!ELEMENT PENSIONPLAN      %BOOLTYPE;>

<!--  Legal Representation, Boolean                                            -->

<!ELEMENT LEGALREP         %BOOLTYPE;>

<!--  Deferred compensation, Boolean                                           -->

<!ELEMENT DEFERREDCOMP     %BOOLTYPE;>

<!--  State Information, 1 or more                                             -->

<!ELEMENT STATEINFO        (STATECODE, EMPLOYERSTID?, STATEWAGES?, STATETAXWH?)>

<!ELEMENT STATECODE        %STATECODETYPE;>

<!ELEMENT EMPLOYERSTID     %IDTYPE;>

<!ELEMENT STATEWAGES       %AMTTYPE;>

<!ELEMENT STATETAXWH       %AMTTYPE;>

<!--  LocalInformation, 1 or more                                             -->

<!ELEMENT LOCALINFO        (LOCALITY, LOCALWAGES?, LOCALTAXWH?)>

<!ELEMENT LOCALITY         %GENNAMETYPE;>

<!ELEMENT LOCALWAGES       %AMTTYPE;>

<!ELEMENT LOCALTAXWH       %AMTTYPE;>

