Manual Debit Direct 499.33

499.33 en (pf.ch/dok.pf) 12.2011 PF
Manual Debit Direct
Manual Debit Direct Version December 2011 1/27

Debit Direct Customer Service
Advcice and Sales
Telephone 0848 888 900 (regular rate)
Customer service
Telephone 0848 848 424
Fax 058 667 66 00
E-Mail postfinance @ postfinance.ch
Withdrawal requests
Swiss Post
PostFinance
Input Electronic Services
Freiburgstrasse 453
3002 Bern
Telephone 058 667 97 68
Fax 058 667 62 03
Inquiries
Swiss Post
PostFinance
National Enquiries
3002 Bern
Telephone 058 667 97 61
Fax 058 667 62 74
Manual Debit Direct Version December 2011 2/27

Table of Contents
1. General Information 5
1.1 Valid Regulations and Handbooks 5
1.2 Transaction Types (TR) 5
a. Data submission 5
b. Data delivery 5
1.3 Data Media 5
1.4 Test Runs 5
2. Service Description 6
2.1 Order Placing 6
a. Customer identification 6
b. Account for crediting 6
c. Sender-ID 6
d. Data integrity 6
e. Order identification 6
f. Total record 6
g. Grouping of orders 7
h. Customer side data reconstruction 7
i. Permitted characters 7
j. Cancellation of faulty Debit Direct orders through PostFinance 7
k. Cancellation of faulty transactions through PostFinance 7
l. Written debit authorization 7
2.2 Due Date 9
a. Definition 9
b. Postal working day 9
c. Approval deadline 9
d. Multiple charge attempts 9
e. Delayed receipt of data 9
2.3 Data Submission Deadlines 9
a. Transfer via e-finance and file transfer 10
b. Express orders via transfer via e-finance and file transfer 10
2.4 E-finance and File Transfer Approval 10
2.5 Revocations/Mutations 10
a. By customer 10
b. By PostFinance 11
c. Cancellations by multiple charge attempts 11
2.6 Order Handling 11
a. Credits 11
b. Protestations 11
c. Reversals 11
2.7 Documentation Offer 12
a. Order confirmation – Debit Direct (DD)
(see Appendix 4) 12
b. Execution confirmation – Debit Direct (DD)
(see Appendix 5) 12
c. Processing message – Debit Direct (DD)
(see Appendix 6/7) 12
d. Reversals list – Debit Direct (DD)
(see Appendix 8) 13
Manual Debit Direct Version December 2011 3/27

2.8 Data Delivery 13
a. Test runs 13
b. Data delivery 14
c. Rejections and reversal codes 14
d. Record types 14
e. Data sorting 15
f. Delivery periodicity 15
g. Transfer via e-finance and file transfer 16
h. Copy/reconstruction of delivered data 16
2.9 Mutations 17
2.10 Researches/Inquiries 17
Appendices
Sample of Debit Direct authorization card Appendix 1
Sample of Debit Direct/LSV+ authorization card Appendix 2
Sample of Debit Direct and Debit Direct/LSV+
authorization card in PDF format Appendix 3
Order confirmation Appendix 4
Execution confirmation Appendix 5
Processing message Appendix 6
Processing message (portrait) Appendix 7
Reversals list Appendix 8
Price overview: Debit Direct Appendix 9
Manual Debit Direct Version December 2011 4/27

1. General Information
1.1 Valid Regulations and Handbooks
Unless otherwise specified in the manual and appendix, the following
conditions apply to transactions:
– Subscriber Conditions Electronic services
– General Terms and Conditions and Subscriber Conditions of PostFinance
The Subscriber Conditions Electronic services and the handbook Debit
Direct can be found on w ww.postfinance.ch/dd. The General Terms
and Conditions and Subscriber Conditions of PostFinance can be downloaded
at w ww.postfinance.ch.
1.2 Transaction Types (TR)
Debit Direct can be used for the following types of transactions:
a. Data submission
TR code Description
47 Record for charges to a postal account
in Switzerland
b. Data delivery
TR codes Description
81 Record for credit out-deliveries
84 Record for reject/reversal out-deliveries
The manual “Record Description Electronic services” can be downloaded at
w ww.postfinance.ch/manuals.
1.3 Data Media
Debit Direct orders can be submitted/delivered via the following media:
– E-finance
– File transfer for business customers
Direct Net connection (FDS = File Delivery Services)
Partner network (FDS)
H-Net ®
Telebanking Server
E-mail (relates only to data delivery)
1.4 Test Runs
An operational test is recommended as it serves to verify the record
description and the entire DD routing process. Do not submit collective
orders containing more than 100 transactions. Please consult the
Customer service at 0848 848 424 when desiring to submit or retrieve
test data.
Manual Debit Direct Version December 2011 5/27

2. Service Description
2.1 Order Placing
a. Customer identification
Customers are assigned a 6-digit Debit Direct customer number (5-digit
customer number plus control digit) for electronic order processing.
b. Account for crediting
The Debit Direct order can be submitted in CHF or EUR. Requirement for
this is an account for crediting in CHF or EUR. The order must be sub mitted
in one currency which must match the designated currency of the Debit
Direct account for crediting.
Debit Direct orders are credited to the account designated for credits, and
any reversals debited. Only orders where the customer’s name and sender-ID
match can be credited to the Debit Direct customer’s account.
Each credits account will only be assigned one customer number. For this
reason, an account change will result in the assignment of a new customer
number. This will require organizational arrangements with PostFinance.
The customer must therefore contact his customer advisor beforehand.
c. Sender-ID
The name on the account for crediting serves as sender-ID. This name
appears on the debit memorandum in 4 lines of 30 positions. When
a submission record’s “Order Giver” field contains numbers, the value is
applied as sender-ID in place of the name on the account.
d. Data integrity
The customer is responsible for the accuracy of his submitted data.
For example, the decisive booking-identifier for debit transactions is the
postal account number (in either postal account or IBAN format); not
the account name.
e. Order identification
A Debit Direct order is identified by the following data:
– Debit Direct customer number
– Due date
– Order number
It is not possible to automatically process several orders with the same
identification. These orders will be processed and cancelled in case of doubt
(duplicate scanning check).
f. Total record
The order must be submitted in one currency which must match the
designated currency of the Debit Direct account for crediting. Sufficient
funds are to be deposited, amount and frequency wise, to cover all
submitted transactions. If discrepancies appear in the total record data
during a Post Finance verification check, the order will be rejected for
security reasons.
Manual Debit Direct Version December 2011 6/27

g. Grouping of orders
A data transmission via e-finance or file transfer may contain multiple
orders. These can originate from the same or from different Debit Direct
customers.
h. Customer side data reconstruction
The customer must be prepared to duplicate data submitted to PostFinance
up to the time he/she is certain that the orders could be correctly scanned
and processed.
i. Permitted characters
PostFinance uses character set ISO 8859-1. This set converts other character
sets, replacing values that cannot be converted with SPACES so as not to
adversely affect in-house processing.
j. Cancellation of faulty Debit Direct orders through PostFinance
Entire collective orders are cancelled if
– the top record is missing
– errors are present in the control area of the top record
– an invalid currency code is used in the total record
– the currency code in the total record does not match the credit account
– the total of the number of transactions and/or the amount does not
match
An order file may contain several collective orders. Each collective order
begins with a top record and ends with a total record. Correctly structured
collective orders will be sent to processing, erroneous ones will be cancelled.
It is therefore possible that not all collective orders in an order file
will be processed.
Orders with errors are reported on the processing message (see chapter
Documentation Offer).
k. Cancellation of faulty transactions through PostFinance
Individual transactions will be cancelled if
– their structure does not correspond to the established standard
– the control area does not match that of the top record
– the minimum information (mandatory fields) is incomplete
Transactions that contain field errors are reported on the processing
message (see chapter Documentation Offer).
The structural requirements of Debit Direct can be referred to in the
“Record Description Electronic services” at w ww.postfinance.ch/manuals.
l. Written debit authorization
Text specification
The wording used in accordance with the samples in Appendices 1 to 3
must not be altered. The only exception is the word “Creditor” where the
latter’s name can be mentioned. Multilingual wording is optional. It is
recommended to indicate the creditor’s address for the return of the debit
authorization.
In case of individual creations of debit authorizations or of differing presentations
of the debit authorization with regard to the prescribed wording,
such forms are to be submitted to the respective account manager for verification.
Manual Debit Direct Version December 2011 7/27

The wording of the Debit Direct authorization must not be mixed with the
wording of “LSV+”, the direct debiting system of the Swiss Banks. The
wordings of debiting system Debit Direct and of LSV+ are to be presented
separately.
Forms available
The following forms are available on request:
– Debit authorization form Debit Direct
– Debit authorization form Debit Direct/LSV+
Forms in hard copy (cards): The customer can obtain the debit authorization
card from his account manager (see Appendices 1 and 2). Apart
from blank cards, it is possible to order cards with individual imprints starting
from 100 items. Price on request from your account manager.
Forms in PDF format: Under w ww.postfinance.ch/dd, you will find a
writable version of the forms in PDF format (see Appendix 3). The company
logo can be inserted with Adobe Acrobat Professional.
Debit authorization process
The creditor must be in possession of a written debit authorization by the
debtor.
1
1
2
2
The creditor provides Customer the debtor with the debit authorization.
The debit authorization (Debtor) can be provided in physical or in electronic form
(via Internet or e-mail). The debit authorization must not be requested
Customer
in electronic form. (Debtor)
The debtor receives the form or, in case of electronic delivery, prints
it out and sends the completed form signed by his/her own hand back
to the creditor through the post.
Creditor
1
2
Customer
(Debtor)
Requests by PostFinance of debit authorizations
PostFinance reserves the right to request any debit authorizations from the
creditor for verification. The customer is obliged to submit to PostFinance
on demand the debit authorizations for a dispatched order for verification
within the period stipulated. The debit authorizations requested must be
available to PostFinance for verification prior to execution of the order. In
case of missing or incorrect debit authorizations, the respective Debit Direct
order may experience a delay in execution of the order or can be cancelled
directly by PostFinance.
Creditor’s obligation to provide proof of debit authorizations
The creditor is required to retain the debit authorization and to present it
to PostFinance upon request (for at least 14 months after the last debit).
Manual Debit Direct Version December 2011 8/27

2.2 Due Date
a. Definition
The due date must fall on a postal workday. On the order’s due date:
– the debtor’s postal account is debited, and
– the due amount is credited to the Debit Direct customer’s postal account.
Debit Direct orders may be submitted to PostFinance up to one year in
advance. Large collective orders containing more than 1000 transactions are
exceptions – these are to be submitted not more than 90 days prior to
falling due.
b. Postal working day
A postal working day is defined as the weekdays Monday through Friday,
and also the last calendar day of a month. Exceptions are the general
holidays.
If the due date specified by the customer is not a postal working day and
does not fall on the last day of the month, the Debit Direct order will be
executed on the next valid working day.
c. Approval deadline
Orders that have not been approved or only partially approved on the
foreseen execution date remain pending for a further five postal working
days. The order may still be approved during this time, otherwise it will
be cancelled.
d. Multiple charge attempts
This optional service, subject to fee, automatically makes multiple attempts
to charge the account in cases where “insufficient funds” or a “blocked
postal account” result in a failed execution the first time. The following variations
may be selected from:
– 3 days a fter due date and/or
– 5 days after due date and/or
– 10 days after due date.
Charge orders sent as “Express” are not included in this multiple charge
attempt offer, but are rather processed and closed immediately.
e. Delayed receipt of data
If data sent by e-finance or file transfer arrive at PostFinance too late, they
will be incorporated into the next available processing cycle, so long
as the due date has been passed by not more than 90 calendar days. Older
orders can not be processed.
Advice of the new execution date is provided on the customer’s processing
notification.
Eventual research requests are to always indicate the order’s original due
date.
2.3 Data Submission Deadlines
PostFinance recommends submitting data as early as possible to permit
time for the handling of flagged errors; allowing for flawed transactions
to be newly submitted and still executed on the required date.
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a. Transfer via e-finance and file transfer
The data transfer via e-finance and file transfer, including approval, must
be completed at the latest on the day prior to the due date and no later
than 12 p.m.
b. Express orders via transfer via e-finance and file transfer
Express orders can be submitted on postal working days from Monday
to Friday via e-finance and file transfer. The express delivery is not available
for Telebanking Server. Should the customer, however, have additionally
an e-finance connection, the order can be mutated and be executed with
priority “express”.
This optional service, subject to fee, executes a charge order immediately
and simultaneously books the resulting credit to the Debit Direct customer’s
account. Please note the applicable amount and time restrictions below:
Maximum no. of transactions
per order
1000 11 a.m.
100 13 p.m.
10 18 p.m.
Latest upload and
release time
Sidenote: Express orders have no need for multiple processing attempts,
but are immediately processed and closed.
2.4 E-finance and File Transfer Approval
Different provisions apply for orders issued via e-finance and file transfer:
– E-finance: Debit Direct orders must be approved after transfer.
Exception: orders submitted by a user with single signature authority are
considered signed/approved and flow directly into processing.
– Direct Net connection FDS, Partner network FDS, H-Net ® : Debit
Direct orders must be “release confirmed” via e-finance after transmittal.
Exception: orders submitted by a user with single signature authority are
considered signed/confirmed and flow directly into processing.
– Telebanking Server: No release confirmation is necessary; the security
elements are checked and verified during transmission.
2.5 Revocations/Mutations
a. By customer
With e-finance and file transfer for business customers (only if the customer
has an additional e-finance connection) the user can make the following
cancellations and modifications up to one day prior to the due date, no later
than midnight:
– delete individual payments and/or entire collective orders
– change an order’s due date
Manual Debit Direct Version December 2011 10/27

. By PostFinance
The customer may recall/cancel entire collective orders or individual transactions
up to one postal working day prior to the due date and no later
than 10 p.m.
Cancellation instructions are to be submitted to Input Electronic Services,
in writing. Requests submitted by telephone or fax will also be processed
if an agreement has been deposited for this purpose.
For entire orders the following particulars must be provided:
– Debit Direct customer number
– Due date
– Order number
For individual transactions, the transaction serial number is also required.
If an order or transaction cannot be identified on the basis of the listed
particulars, the cancellation will not be processed.
c. Cancellations by multiple charge attempts
If the multiple charge attempt option is activated in the master file, then
order cancellation is also possible after expiration of the due date for:
– All non-executed transactions collectively, or
– Individual transactions not yet executed.
2.6 Order Handling
a. Credits
The sum total of a customer’s executed Debit Direct transactions is credited
to the debtor’s account on the day designated for charges. Ordinarily, this
date corresponds to the order’s due date.
If the charge follows through the multiple attempts option and is first
successful on the third attempt, for example, then the transaction’s credit
booking is likewise correspondingly delayed.
b. Protestations
Debit Direct only permits charge authorizations with right of recall. A protesting
debtor can request a charge reversal within 30 days by notifying
his assigned Processing Center in writing and attaching the debit memorandum
when possible.
After 30 days from the mailing of the account statement, the debtor must
deal directly with the creditor.
c. Reversals
The Debit Direct customer agrees without reservation that already credited
amounts be charged back from his credit account on the agreed value date.
Manual Debit Direct Version December 2011 11/27

2.7 Documentation Offer
All documents are delivered electronically via e-finance, file transfer or
on paper. For changes we kindly ask you to contact the Customer service.
a. Order confirmation – Debit Direct (DD)
(see Appendix 4)
– Receipt of the order is acknowledged with an order confirmation, insofar
as the date of execution is at least two days out. If the order falls due
immediately, receipt will be acknowledged on the execution confirmation.
– The order confirmation compiles a list of transactions. It also shows the
number of transactions undertaken and whether erroneous/cancelled
payments had to be rejected. These are detailed in a separate pro cessing
message.
– The document may be suppressed at the customer’s request. The electronic
delivery is free of charge. The delivery on paper is subject to a fee.
b. Execution confirmation – Debit Direct (DD)
(see Appendix 5)
– The customer receives a confirmation of execution at the com pletion of
the Debit Direct order. This compilation shows the daily number of
processed payments as well as the sum total. Any erroneous or cancelled
transactions found during this processing stage will be listed in a
separate processing message.
– The order’s total for the day is credited on its due date to the customer’s
designated account for crediting.
– Total relevant fees are also noted.
– The document may be suppressed at the customer’s request. The electronic
delivery is free of charge. The delivery on paper is subject to a fee.
c. Processing message – Debit Direct (DD)
(see Appendix 6/7)
– Orders with errors or transactions that contain field errors are reported on
the processing message. Rejected transactions cannot be cor rected and
must therefore be newly submitted in a subsequent order.
– It is not possible to suppress the processing message because notification
of identified errors is made without exception. Error notification is made
even when the customer has elected to waive the order and execution
con firmations.
– The processing message is free of charge (electronic/on paper).
– If an order containing payment errors is delivered at least two days prior
to falling due, the processing message will still be generated and mailed.
Once executed, earlier advised errors are listed in a processing message
with eventual others discovered during processing. A star marks the transactions
for which notification has already been made. If the customer
so requests, it is possible to arrange that any errors already reported in the
processing report are not notified a second time upon execution.
– The processing message is sectioned as follows:
1. Executed transactions containing irregularities
2. Transactions not executed
3. Cancelled transactions
4. Rejections
The list shows the total number of not executed and/or cancelled transactions.
With rejections, the sum total is shown as well.
Manual Debit Direct Version December 2011 12/27

The customer can choose whether he wants rejection details to appear on
the processing message, and/or if he wants to retrieve them electronically.
The following incidences incur charge rejection:
– Insufficient cover funds
– The debtor’s account and address do not match
– Postal account closed
– Postal account blocked/frozen
– Postal account holder deceased
– Postal account number non-existent
– To make payment identification easier, the following information is
re-listed next to the transaction serial number – some of it in abbreviated
form: account to be debited, debtor, add-on text, currency and order
amount.
– The relevant error message is found to the right of the incorrect data field.
If a field contains more than one error, only the first instance is noted.
d. Reversals list – Debit Direct (DD)
(see Appendix 8)
A debtor protesting a charge has 30 days in which to submit a revocation,
which results in a charge reversal. If the Debit Direct customer wishes to
have the debits that he/she has not accepted on paper or by e-mail, the
reversals list will be sent. The list shows cancelled transactions per Debit Direct
order in the current period. The account number to be debited, debtor’s
name, add-on text, date of reverse entry, currency and amount are listed
next to the transaction serial number.
2.8 Data Delivery
The customer can obtain credit, reject and reverse entry information via
e-finance or file transfer. Records are available in Debit Direct or Debit Direct
ISR record format.
a. Test runs
If the customer wishes to carry out a test run data delivery, customer service
will provide one test file free of charge. The records consist of customer
supplied test-data.
To dry run cases of error, every fifth trans action will be flagged for rejection
and the order’s last five bookings will be likewise marked for reverse bookings.
Manual Debit Direct Version December 2011 13/27

. Data delivery
A data transfer via e-finance or file transfer conveyance can contain reverse
entries for multiple Debit Direct orders.
Customers select from the following data delivery options:
Credit entries
electronic
Rejections
electronic
Reversals (electronic and/or paper)
electronic: File with transaction type 84 and/or
Reversals list by e-mail
Paper: Reversals list via post
Faulty transactions are cancelled and not delivered as rejections (see chapter
Order Placing, Cancellation of faulty transactions through PostFinance).
c. Rejections and reversal codes
Electronically delivered rejections with transaction 84 are flagged with one
of the underlying code numbers, indicating why the transaction failed:
Rejection codes Rejection reasons
01 Insufficient cover funds
03 Debtor’s account number and address do
not match
04 Postal account closed
05 Postal account blocked/frozen
06 Postal account holder deceased
07 Postal account number non-existent
Reversal codes Reversal reason
02 Debtor protestation
d. Record types
TR codes Descriptions
81 Outdelivery record for credits
84 Outdelivery record for rejections and reversals
97 Total record
Record type format is described in the Manual “Record Description Electronic
Services”.
Manual Debit Direct Version December 2011 14/27

e. Data sorting
Data within each Debit Direct customer number is grouped by credits/
rejections and reversals according to the following sample:
• Outdelivery number
• Debit Direct customer number ascending
• Due date descending
• Debit Direct order number ascending
• TR type 81/credits
• TR serial numbers ascending
• TR type 84/rejections
• TR serial numbers ascending
• TR type 97/total record
• Due date descending
• Debit Direct order number ascending
• TR type 84/reverse entries
• TR serial numbers ascending
• TR type 97/total record
The pattern repeats itself within the outdelivery number for each Debit
Direct customer number.
f. Delivery periodicity
Credit and rejection data is delivered upon settlement of each order,
as follows:
– normal cases = on due date
– by actived multiple attempt option = on the last booking attempt date
For eventually occurring reverse entries, customers can select between
the following outdelivery options:
– daily
– weekly
– bimonthly
– monthly
Manual Debit Direct Version December 2011 15/27

g. Transfer via e-finance and file transfer
Customers using e-finance and file transfer generally have access to
their data after 6.30 p.m. (E-mail the next day as of 6 a.m.). Data can
be downloaded as follows:
– E-finance Files remain available over a period of
15 months; data which have been
downloaded are deleted after 30 days.
– Direct Net connection
(FDS)
– Partner network (FDS)
– H-Net ®
Files (whether downloaded or not) remain
available for 9 calendar days. The customer
can delete files that have been downloaded.
– Telebanking Server The file remains available to the customer.
Data which have been downloaded are
deleted.
– E-mail Files are sent to the recipient’s e-mail
address.
h. Copy/reconstruction of delivered data
Copies of data (reconstructions) can be ordered via customer services.
Please specify as many original delivery details as possible when ordering.
Copy files are labeled for outdelivery as follows:
– E-finance Download screen is subdivided between
“Production” and “Copy”
– Direct Net connection (FDS)
– Partner network (FDS)
– H-Net ®
– Telebanking Server Not visible
Apparent in the file name
– E-mail E-mail is marked “Copy”
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2.9 Mutations
Customer service is to be informed of any mutations 3 postal workdays
prior to the changes taking effect.
In writing: – account for debiting fees
– change of data medium
By phone: – change of address
– to activate multiple charge attempt option
– to deactivate multiple charge attempt option
2.10 Researches/Inquiries
All research inquiries are to utilize Post form “Debit Direct Research
Inquiries”.
The Debit Direct customer is to complete the form and mail it to:
PostFinance
National Enquiries
3002 Bern
Post forms can be reordered from Input Electronic Services.
Manual Debit Direct Version December 2011 17/27

Appendix 1
Sample of Debit Direct authorization card
Debit authorization with right of contestation
for the PostFinance postal account (Debit Direct)
Creditor
Debit Direct subscriber no.
With my signature, I hereby authorize the creditor to debit the due amounts to my postal
account until such time as this authorization is revoked.
Customer reference no.
Postal account no.
Last name, first name
Company
Street, no.
Postcode, town
Tel. no. (home) Tel. no. (work)
E-mail
Place, date
Signature/s*
* Signature of the grantor of power of attorney or authorized person for the postal account. For collective signatures,
two signatures are required.
PostFinance is not obliged to execute the debit should the funds available in my account
be insufficient. The Debit Direct debits are free of charge for me. I reserve the right to reverse
debit transactions by sending written instructions to my Operations Center within 30 days
of dispatch of the account statement.
Please return the completed debit authorization to the aforementioned creditor’s address.
Creditor
1
2
Customer
Debit Direct
Save time and money!
Pay your bills with the PostFinance Debit Direct service.
1. The creditor provides the customer with the debit
authorization.
2. The customer returns the completed debit
authorization to the Creditor.
Manual Debit Direct Version December 2011 18/27

Appendix 2
Sample of Debit Direct/LSV+ authorization card
Debit Direct / LSV+
Save time and money!
Pay your bills with the PostFinance Debit Direct
service or with the Swiss banks’ direct debit plus
scheme (LSV+).
Debit authorization with right of contestation
for the bank account (LSV+)
Debit authorization with right of contestation
for the PostFinance postal account (Debit Direct)
Creditor
Debit Direct subscriber no.
With my signature, I hereby authorize the creditor to debit the due amounts to my postal
account until such time as this authorization is revoked.
Customer reference no.
Postal account no.
Last name, first name
Company
Street, no.
Postcode, town
Tel. no. (home) Tel. no. (work)
E-mail
Place, date
Signature/s*
* Signature of the grantor of power of attorney or authorized person for the postal account. For collective signatures,
two signatures are required.
PostFinance is not obliged to execute the debit should the funds available in my account
be insufficient. The Debit Direct debits are free of charge for me. I reserve the right to reverse
Creditor Customer debit transactions CHFby
sending written instructions to my Operations Center within 30 days
of dispatch of the account statement.
LSV ID. Ref. no.
Creditor
I hereby authorize my bank to execute the debits (in CHF) from the above creditor to
my account until such time as this authorization is revoked.
Name of bank
Postcode, town
IBAN
or account no.
Bank clearing no. (if known)
If there are insufficient funds in my account, my bank is not obliged to execute the debit.
I will be notified of all debits to my account. The amount debited will be reimbursed if
I submit a binding contestation to my bank within 30 days of the notification date. I hereby
authorize my bank to inform the creditor in Switzerland or abroad of the content of this
debit authorization and of its subsequent cancellation (if applicable) by whatever means it
deems suitable.
Place, date Signature
Amendment (leave blank, to be completed by the bank)
BC no.
IBAN
Bank’s stamp
Date and initials
1
Creditor Customer
3
Bank
2
Please return the completed debit authorization to the aforementioned creditor’s
address.
1. The creditor provides the customer with the debit
authorization.
2. The customer returns the completed debit
authorization to his bank.
3. The creditor receives confirmation once the debit
has been activated by the bank.
Manual Debit Direct Version December 2011 19/27
1
2
Customer
1. The creditor provides the customer with
the debit authorization.
2. The customer returns the completed debit
authorization to the Creditor.

Appendix 3
Sample of Debit Direct and Debit Direct/LSV+ authorization card in PDF format
460.59 en (pf.ch/dok.pf) 02.2010 PF
Debit authorization with right of contestation
for the PostFinance postal account (Debit Direct)
Creditor
Debit Direct subscriber no.
Customer
With my signature, I hereby authorize the creditor to debit the due amounts to my postal account until such time as this authorization is revoked.
Customer reference no.
Postal account no.
Last name, first name
Company
Street, no.
Postcode, town
Tel. no. (home) Tel. no. (work) Creditor
E-mail
Place, date Signature/s*
*Signature of the grantor of power of attorney or authorized person for the postal account. For collective signatures, two signatures are required.
PostFinance is not obliged to execute the debit should the funds available in my account be insufficient. The Debit Direct debits are free of charge
for me. I reserve the right to reverse debit transactions by sending written instructions to my Customer Operations reference Center no. within 30 days of dispatch of the
Company
account statement.
Last name First name
Please return the completed debit authorization to the aforementioned creditor’s address. Street, no. Postcode, town
Tel. no. (home) Tel. no. (work)
E-mail
Creditor
1
2
Customer
LOGO
Debit authorization with right of contestation
for the PostFinance postal account (Debit Direct)
and for the bank account (LSV+)
Debit authorization for my postal account (Debit Direct)
1. The creditor provides the customer with the debit authorization.
2. The customer returns With the my signature, completed I debit hereby authorization authorize the to creditor the creditor. to debit the due amounts to my postal account until such time as this authorization is revoked.
Postal account no.
PostFinance is not obliged to execute the debit should the funds available in my account be insufficient. The Debit Direct debits are free of charge
for me. I reserve the right to reverse debit transactions by sending written instructions to my Operations Center within 30 days of dispatch of the
account statement.
Please return the completed debit authorization to the aforementioned creditor’s address.
Place, date Signature/s*
*Signature of the grantor of power of attorney or authorized person for the postal account. For collective signatures, two signatures are required.
460.31 en (pf.ch/dok.pf) 02.2010 PF
Debit Direct subscriber no. LSV IDENT.
Customer
Amendment (leave blank, to be completed by the bank)
BC no. IBAN
Bank’s stamp
Date and initials
LOGO
Debit authorization for my bank account (LSV+) CHF
I hereby authorize my bank to execute the debits (in CHF) from the above creditor to my account until such time as this authorization
is revoked.
Name of bank Postcode, town
IBAN
or account no. Bank clearing no. (if known)
If there are insufficient funds in my account, my bank is not obliged to execute the debit. I will be notified of all debits to my account. The amount
debited will be reimbursed if I submit a binding contestation to my bank within 30 days of the notification date. I hereby authorize my bank to
inform the creditor in Switzerland or abroad of the content of this debit authorization and of its subsequent cancellation (if applicable) by whatever
means it deems suitable.
Please return the completed debit authorization to the bank.
Place, date Signature
Manual Debit Direct Version December 2011 20/27

Appendix 4
Swiss Post
PostFinance
Your account is handled by
Belin Noma and team
Telephone 058 338 99 77
Fax 058 338 99 77
www.postfinance.ch
Robert Schneider SA
Grands magasins
Biel/Bienne
P.P.
502301221
CH-4808 Zofingen A-PRIORITY
Robert Schneider SA
Ruelle du Lac 177
2503 Biel/Bienne
Order confirmation Page:
Debit Direct (DD)
1 / 1
Date: 01.06.2011
Credit account: 25-9034-2 Due date: 07.06.2011
Fee debit account: 25-9034-2 Execution date: 07.06.2011
Order identification: 20110601.0008.00.621729755 E-finance number: 112212784
Order reference: Auftrag Juni Transmission per: Online file transfer
Order number: 3 DD customer number: 100585
Number Initial currency Amount
Transactions delivered 40
Non-executable transactions 1
Transactions deleted 1
Rejections 1
Transactions to be booked 37 CHF 30 163.95
Not all transactions could be considered.
Please note the attached processing message!
Yours sincerely
Swiss Post
PostFinance
Manual Debit Direct Version December 2011 21/27

Appendix 5
Swiss Post
PostFinance
Your account is handled by
Ursula Müller and team
Telephone 058 338 99 77
Fax 058 338 99 77
www.postfinance.ch
Robert Schneider SA
Grands magasins
Biel/Bienne
P.P.
502301221
CH-4808 Zofingen A-PRIORITY
Robert Schneider SA
Ruelle du Lac 177
2503 Biel/Bienne
Execution confirmation Page:
Debit Direct (DD)
1 / 1
Date: 07.06.2011
Credit account: 25-9034-2 Due date: 07.06.2011
Fee debit account: 25-9034-2 E-finance number: 112212784
Order identification: 20110601.0008.00.621729755 Transmission per: Online file transfer
Order reference: Auftrag Juni DD customer number: 100585
Order number: 3
Execution date Multiple charge attempts Number Initial currency Amount
07.06.2011 - 36 CHF 29 009.35
Transactions delivered 40
Transactions non-executed 1
Transactions deleted 1
Rejections 2
Transactions booked 36 CHF 29 009.35
Price CHF 1.00
Not all transactions could be considered.
Please note the attached processing message!
Yours sincerely
Swiss Post
PostFinance
Manual Debit Direct Version December 2011 22/27

Appendix 6
Processing message
Debit Direct (DD)
Date: 01.06.2011
Page 1 / 2
Credit account: 25-9034-2 Due date: 07.06.2011 Robert Schneider SA
Fee debit account: 25-9034-2 Execution date: 07.06.2011
Ruelle du Lac 177
Order identification: 20110601.0008.00.621729755 E-finance number: 112212784
2503 Biel/Bienne
Order reference: Auftrag Juni Transmission per: Online file transfer
Order number: 3 DD customer number: 100585
Transactions not executed
No. Debit account Debtor Additional information Currency Initial amount
422.70
0000000000123456789 CHF
4 10-33333-2 Verena Hinterbacher
BERN
Data field Error
40N000013
Debtor’s account number invalid
Manual Debit Direct Version December 2011 23/27
Transactions deleted
No. Debit account Debtor Additional information Currency Initial amount
647.90
0000000000123456789 CHF
12 10-333-2 PostFinance Fachdienst/Support
3030 Bern
Note
Single order cancelled by customer
Rejections
No. Debit account Debtor Additional information Currency Initial amount
1 154.60
114555 CHF
1 407.95
0000000000123456789 CHF
30 30-234567-5 Maria Bernasconi
Biel/Bienne
Data field Note
32500023
Postal account number non-existent
356 30-456789-5 PostFinance Fachdienst/Support
3030 Bern
Note
Insufficient cover funds

Processing message
Debit Direct (DD)
Page 2 / 2
Credit account: 25-9034-2 Due date: 07.06.2011
Order number: 3 E-finance number: 112212784
DD customer number: 100585
Total non-executed or deleted transactions 2
Total rejections 2 CHF 2 562.55
Yours sincerely
Swiss Post
PostFinance
Manual Debit Direct Version December 2011 24/27

Appendix 7
Swiss Post
PostFinance
Your account is handled by
Belin Noma and team
Telephone 058 338 99 77
Fax 058 338 99 77
www.postfinance.ch
Robert Schneider SA
Grands magasins
Biel/Bienne
P.P.
502301221
CH-4808 Zofingen A-PRIORITY
Robert Schneider SA
Ruelle du Lac 177
2503 Biel/Bienne
Processing message Page:
Debit Direct (DD)
1 / 1
Date: 01.06.2011
Credit account: 25-9034-2 Due date: 07.06.2010
Fee debit account: 25-9034-2 Execution date: 07.06.2011
Order identification: 20110601.0008.00.6217297998 E-finance number: 112212784
Order reference: Auftrag Juni Transmission per: Online file transfer
Order number: 3 DD customer number: 100585
Order not executed
Note Number of transactions Currency Total amount
Collective order with same key term exists 1 CHF
18 952.85
Yours sincerely
Swiss Post
PostFinance
Manual Debit Direct Version December 2011 25/27

Appendix 8
Swiss Post
PostFinance
Your account is handled by
Patrick Schmid and team
Telephone 058 338 99 77
Fax 058 338 99 77
www.postfinance.ch
Robert Schneider SA
Grands magasins
Biel/Bienne
P.P.
502301221
CH-4808 Zofingen A-PRIORITY
Robert Schneider SA
Ruelle du Lac 177
2503 Biel/Bienne
Reversals list Page:
Debit Direct (DD)
1 / 1
Date: 14.06.2011
Credit account: 25-9034-2 Due date: 07.06.2011
Fee debit account: 25-9034-2 Delivery number: 3218435135
Order number: 3 DD customer number: 100585
No. Debit
account
Debtor protestation Additional information Date Curr
Initial
amount
356 10-333-2 Verena Vonlanthen 14.06.2011 CHF 1 000.00
Yours sincerely
Swiss Post
PostFinance
Total Price CHF 0.70
Total 1 reversed transaction CHF 200.90
Manual Debit Direct Version December 2011 26/27

Appendix 9
Price overview: Debit Direct
Rejects
Fee per rejection CHF –.50 per transaction
Reversals
Fee per revocation CHF –.70 je TA
Multiple charge attempts
Each additional charge attempt, per transaction CHF –.20
Express
Price per transaction CHF 3.–
Incoming data delivery
E-finance, file transfer for business customers free of charge
Outgoing data delivery
Reversals list on paper free of charge
electronically free of charge
Debit Direct file electronically free of charge
Confirmation of order/execution on paper CHF 1.– per document
electronically free of charge
Processing message on paper free of charge
electronically free of charge
Inquiries/Researches
Researches are cost incurring, except where Swiss Post
is responsible for the reason of research. CHF 15.– per 1 /4 hour
Debiting of fees
Debit Direct fees are charged to the account designated for fees,
together with other applicable PostFinance service fees, at month’s end.
The customer is responsible for maintaining adequate cover funds
in the relevant account at all times.
Manual Debit Direct Version December 2011 27/27