<!--
<?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 2.0.1                                                              *
*   Date:    06 February 2001                                                   *
*********************************************************************************
*                           Formal Public Identifier                            *
*                                                                               *
*           -//Open Financial Enchange//DTD OFX Version 2.0.1//EN               *
*********************************************************************************
*                                                                               *
*   Copyright 1997, 1998, 1999, 2001 CheckFree Corp., Intuit Inc., Microsoft Corp*
*   All rights reserved                                                         *
*********************************************************************************
-->

<!--
*********************************************************************************
*     !!!!!!!!!!! IF YOU ARE EDITING THIS FILE PLEASE READ !!!!!!!!!!!!!!       *
*********************************************************************************
Documentation Note:
The comment immediately preceding each element is used as the element description
in the HTML pages on the www.ofx.net SpecView pages for 2.x.  Be sure the
comment preceding any element is what you wish to have seen on the web site.
-->

<!-- 
*********************************************************************************
*                            Change Log                                         *
*********************************************************************************

Revisions 052401 Gil Clark
        Reverted aggregates that were added for Tax TY01 back to individual tags
		to preserver backward compatibility with TY00 forms.

Revisions 052401 Gil Clark
        Added comments to better support specview.
        
Revisions 041201 Gil Clark
        Added the ballist to statement and cc statement download rs.
        Added BILLPUBINFO to PAYMENT and BILLPUBCONTEXT to payment profile.
        
Revisions 020601 Gil Clark
        Added reversal id and bill presentment tags to payments.
        
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(A-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 % COUNTRYSTRINGTYPE "(#PCDATA)">

<!--#ENTITY % COUNTRYSTRINGTYPE		#DataType(A-32)-->

<!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") -->

<!ENTITY %  LONGSHORTENUM "(#PCDATA)" >

<!--#ENTITY %  LONGSHORTENUM   #Enum("LONG", "SHORT", "QUAL5YEAR") -->

<!-- ============================================================================= -->

<!-- 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?,
                          TAX1098MSGSRQV1?,
                          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?,
                            TAX1098MSGSRSV1?, 
                            TAX1099MSGSRSV1?, 
                            TAXW2MSGSRSV1?">                

<!-- OFX Root element -->

<!ELEMENT OFX    ((%OFXRQMSGSETS;) | (%OFXRSMSGSETS;))>


<!-- Different from most: only one sonrq and at most one
     pin change allowed 
-->
<!-- Signon Message set Request and Response -->

<!ELEMENT SIGNONMSGSRQV1     (SONRQ, PINCHTRNRQ?, CHALLENGETRNRQ?)>

<!ELEMENT SIGNONMSGSRSV1     (SONRS, PINCHTRNRS?, CHALLENGETRNRS?)>


<!-- Signon message set profile entry -->

<!ELEMENT SIGNONMSGSET       (SIGNONMSGSETV1)>

<!ELEMENT SIGNONMSGSETV1          (MSGSETCORE)>


<!-- Pin transactions -->

<!ELEMENT PINCHTRNRQ     (%TRNRQMACRO;, PINCHRQ)>

<!ELEMENT PINCHTRNRS     (%TRNRSMACRO;, PINCHRS?)>

<!-- Challenge transactions -->

<!ELEMENT CHALLENGETRNRQ     (%TRNRQMACRO;, CHALLENGERQ)>

<!ELEMENT CHALLENGETRNRS     (%TRNRSMACRO;, CHALLENGERS?)>


<!-- Signon Request and Response -->

<!ELEMENT SONRQ 	 (DTCLIENT, ((USERID, USERPASS) | USERKEY),
                          GENUSERKEY?, LANGUAGE, FI?, SESSCOOKIE?, APPID, 
                          APPVER)>

<!ELEMENT SONRS		 (STATUS, DTSERVER, USERKEY?, 
                          TSKEYEXPIRE?, LANGUAGE,
                          DTPROFUP?, DTACCTUP?, FI?, SESSCOOKIE?)>
                          
<!-- FI info -->
<!ELEMENT FI             (ORG, FID?)>

<!-- Organization name -->
<!ELEMENT ORG            %GENNAMETYPE;>

<!-- FI record ID -->
<!ELEMENT FID            %FIIDTYPE;>

<!-- Session cookie -->
<!ELEMENT SESSCOOKIE     %SESSCOOKIETYPE;>

<!-- PIN Change request and response -->

<!ELEMENT PINCHRQ    (USERID, NEWUSERPASS)>

<!ELEMENT PINCHRS    (USERID, DTCHANGED?)>

<!-- New password for pin change -->
<!ELEMENT NEWUSERPASS	 %PASSWORDTYPE;>

<!-- Date password changed -->
<!ELEMENT DTCHANGED      %DTTMTYPE;>

<!-- Challenge request and response -->

<!ELEMENT CHALLENGERQ    (USERID, FICERTID?)>

<!ELEMENT CHALLENGERS    (USERID, NONCE, FICERTID)>

<!-- Random data -->
<!ELEMENT NONCE 	 %NONCETYPE;>

<!-- Identifier of FI certificate -->
<!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)>

<!-- Transfer profile -->
<!ELEMENT XFERPROF     (PROCDAYSOFF*, PROCENDTM, CANSCHED, CANRECUR, CANMODXFERS, 
                        CANMODMDLS, MODELWND, DAYSWITH, DFLTDAYSTOPAY)>

<!-- Stop check profile -->
<!ELEMENT STPCHKPROF   (PROCDAYSOFF*, PROCENDTM, CANUSERANGE, CANUSEDESC, STPCHKFEE)>

<!-- Email profile -->
<!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 Set and its contained TRN requests -->

<!ELEMENT BANKMSGSRQV1         ((STMTTRNRQ   | STMTENDTRNRQ  | INTRATRNRQ | RECINTRATRNRQ | 
                                STPCHKTRNRQ  | BANKMAILTRNRQ | BANKMAILSYNCRQ |
                                STPCHKSYNCRQ | INTRASYNCRQ   | RECINTRASYNCRQ)+) >

<!-- Credit Card Messages Request Set and its contained TRN requests -->

<!ELEMENT  CREDITCARDMSGSRQV1   ((CCSTMTTRNRQ | CCSTMTENDTRNRQ)+)>

<!-- Wire Transfer Messages Request Set and its contained TRN requests -->

<!ELEMENT WIREXFERMSGSRQV1      ((WIRETRNRQ   | WIRESYNCRQ)+)>

<!-- Interbank Transfer Messages Request Set and its contained TRN requests -->

<!ELEMENT INTERXFERMSGSRQV1    ((INTERTRNRQ  | RECINTERTRNRQ | INTERSYNCRQ | 
                                 RECINTERSYNCRQ)+)>  

<!-- Banking Message Set Requests -->

<!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 Requests -->

<!ELEMENT CCSTMTTRNRQ       (%TRNRQMACRO;, CCSTMTRQ)>

<!ELEMENT CCSTMTENDTRNRQ    (%TRNRQMACRO;, CCSTMTENDRQ)>

<!-- Interbank Transfer Message Set Requests -->

<!ELEMENT INTERTRNRQ       (%TRNRQMACRO;, (INTERRQ | INTERMODRQ | INTERCANRQ))>

<!ELEMENT RECINTERTRNRQ    (%TRNRQMACRO;, (RECINTERRQ | RECINTERMODRQ | RECINTERCANRQ))>

<!-- Wire Transfer Message Set Request -->

<!ELEMENT WIRETRNRQ      (%TRNRQMACRO;, (WIRERQ | WIRECANRQ))>

<!-- Banking Messages Response Set and its contained TRN responses -->

<!ELEMENT BANKMSGSRSV1     ((STMTTRNRS   | STMTENDTRNRS  | INTRATRNRS | RECINTRATRNRS | 
                            STPCHKTRNRS  | BANKMAILTRNRS | BANKMAILSYNCRS |
                            STPCHKSYNCRS | INTRASYNCRS   | RECINTRASYNCRS)+)>

<!-- Credit Card Messages Response Set and its contained TRN responses -->

<!ELEMENT CREDITCARDMSGSRSV1  ((CCSTMTTRNRS | CCSTMTENDTRNRS)+)>

<!-- Wire Transfer Messages Response Set and its contained TRN responses -->

<!ELEMENT WIREXFERMSGSRSV1    ((WIRETRNRS   | WIRESYNCRS)+)>
                                  
<!-- Interbank Transfer Messages Response Set and its contained TRN responses -->

<!ELEMENT INTERXFERMSGSRSV1    ((INTERTRNRS  | RECINTERTRNRS | INTERSYNCRS | RECINTERSYNCRS)+)>  

<!-- Banking TRN responses -->

<!-- Banking Message Set Responses -->

<!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 Responses -->

<!ELEMENT CCSTMTTRNRS     (%TRNRSMACRO;, CCSTMTRS?)>

<!ELEMENT CCSTMTENDTRNRS  (%TRNRSMACRO;, CCSTMTENDRS?)>

<!-- Interbank Transfer Message Set Responses -->

<!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)>

<!-- Intrabank Transfer Modification Request -->

<!ELEMENT INTRAMODRQ  (SRVRTID, XFERINFO)> 

<!-- Intrabank Transfer Cancel Request -->

<!ELEMENT INTRACANRQ  (SRVRTID)>

<!-- Interbank Transfer Request -->

<!ELEMENT INTERRQ  (XFERINFO)> 

<!-- Interbank Transfer Modification Request -->

<!ELEMENT INTERMODRQ  (SRVRTID, XFERINFO )>

<!-- Interbank Transfer Cancel Request -->

<!ELEMENT INTERCANRQ  (SRVRTID)>

<!-- Wire Transfer Request -->

<!ELEMENT WIRERQ  (BANKACCTFROM, WIREBENEFICIARY, WIREDESTBANK?, TRNAMT, DTDUE?, 
                   PAYINSTRUCT?)> 

<!-- Wire Transfer Cancel Request -->

<!ELEMENT WIRECANRQ  (SRVRTID)>

<!-- Recurring Intrabank Transfer Request -->

<!ELEMENT RECINTRARQ  (RECURRINST, INTRARQ)>

<!--Recurring Intrabank Transfer Modification Request -->

<!ELEMENT RECINTRAMODRQ  (RECSRVRTID, RECURRINST, INTRARQ, MODPENDING)>

<!-- Recurring Intrabank Transfer Cancellation Request -->

<!ELEMENT RECINTRACANRQ  (RECSRVRTID, CANPENDING)>

<!-- Recurring Interbank Transfer Request -->

<!ELEMENT RECINTERRQ  (RECURRINST, INTERRQ )>

<!-- Recurring Interbank Transfer Modification Request -->

<!ELEMENT RECINTERMODRQ  (RECSRVRTID, RECURRINST, INTERRQ, MODPENDING)>

<!-- Recurring Interbank Transfer Cancellation Request -->

<!ELEMENT RECINTERCANRQ  (RECSRVRTID, CANPENDING)> 

<!-- Bank E-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) -->
<!-- Intrabank Transfer Sync Request -->
<!ELEMENT INTRASYNCRQ  (%SYNCRQMACRO;, (BANKACCTFROM | CCACCTFROM), INTRATRNRQ*)>

<!-- OFX 2.0 -->
<!-- FROM BANKACCTFROM to (BANKACCTFROM | CCACCTFROM) -->
<!-- Interbank Transfer Sync Request -->
<!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) -->
<!-- Recurring Intrabank Transfer Sync Request -->
<!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) -->
<!-- Recurring Interbank Transfer Sync Request -->
<!ELEMENT RECINTERSYNCRQ  (%SYNCRQMACRO;, (BANKACCTFROM | CCACCTFROM), RECINTERTRNRQ*)>

<!-- Bank E-Mail Synchronization Request -->

<!ELEMENT BANKMAILSYNCRQ  (%SYNCRQMACRO;, INCIMAGES, USEHTML, (BANKACCTFROM | CCACCTFROM), 
                           BANKMAILTRNRQ*)>


<!-- ============================================================================= -->
<!--            Responses                                                          -->
<!-- ============================================================================= -->

<!-- Statement Download Response -->

<!ELEMENT STMTRS    (CURDEF, BANKACCTFROM, BANKTRANLIST?, LEDGERBAL, AVAILBAL?, 
                     BALLIST?, MKTGINFO?)>

<!-- Credit Card Statement Download Response -->

<!ELEMENT CCSTMTRS  (CURDEF, CCACCTFROM, BANKTRANLIST?, LEDGERBAL, AVAILBAL?, 
                     BALLIST?, MKTGINFO?)>

<!-- Closing Information Response -->

<!ELEMENT STMTENDRS 	(CURDEF, BANKACCTFROM, CLOSING*)>

<!-- Credit Card Closing Information Response -->

<!ELEMENT CCSTMTENDRS 	(CURDEF, CCACCTFROM, CCCLOSING*)>

<!-- Stop Check Response -->

<!ELEMENT STPCHKRS  (CURDEF, BANKACCTFROM, STPCHKNUM+,
                        FEE, FEEMSG)>

<!-- Intrabank Transfer Response -->

<!ELEMENT INTRARS  (CURDEF, SRVRTID, XFERINFO, (DTXFERPRJ|DTPOSTED)?, 
                    RECSRVRTID?, XFERPRCSTS?)>	

<!-- Intrabank Transfer Modification Response -->

<!ELEMENT INTRAMODRS  (SRVRTID, XFERINFO, XFERPRCSTS?)>

<!-- Intrabank Transfer Cancel Response -->

<!ELEMENT INTRACANRS  (SRVRTID)>

<!-- Interbank Transfer Response -->

<!ELEMENT INTERRS  (CURDEF, SRVRTID, XFERINFO,
                    (DTXFERPRJ | DTPOSTED)?, REFNUM?, RECSRVRTID?, 
                    XFERPRCSTS?)>

<!-- Interbank Transfer Modification Response -->

<!ELEMENT INTERMODRS  (SRVRTID, XFERINFO, XFERPRCSTS?)>

<!-- Interbank Transfer Cancel Response -->

<!ELEMENT INTERCANRS  (SRVRTID)>

<!-- Wire  Transfer Response -->

<!ELEMENT WIRERS  (CURDEF, SRVRTID, BANKACCTFROM, WIREBENEFICIARY,
                   WIREDESTBANK?, TRNAMT, DTDUE?, PAYINSTRUCT?,
                   (DTXFERPRJ | DTPOSTED)?, FEE?, CONFMSG?)>

<!-- Wire  Transfer Cancel Response -->

<!ELEMENT WIRECANRS	 (SRVRTID)>

<!-- Recurring Intrabank Transfer Response -->

<!ELEMENT RECINTRARS  (RECSRVRTID, RECURRINST, INTRARS)>

<!-- Recurring Intrabank Transfer Modification Request -->

<!ELEMENT RECINTRAMODRS  (RECSRVRTID, RECURRINST, INTRARS, MODPENDING)>

<!-- Recurring Intrabank Transfer Cancellation Response -->

<!ELEMENT RECINTRACANRS	 (RECSRVRTID, CANPENDING)>

<!-- Recurring Interbank Transfer Response -->

<!ELEMENT RECINTERRS  (RECSRVRTID, RECURRINST, INTERRS)>

<!-- Recurring Interbank Transfer Modification Request -->

<!ELEMENT RECINTERMODRS	 (RECSRVRTID, RECURRINST, INTERRS, MODPENDING)>

<!-- Recurring Inter Transfer Cancellation Response -->

<!ELEMENT RECINTERCANRS	 (RECSRVRTID, CANPENDING)>

<!-- Bank E-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*)>


<!-- OFX 2.0 -->
<!-- FROM BANKACCTFROM to (BANKACCTFROM | CCACCTFROM) -->
<!-- Intrabank Transfer Sync Response -->
<!ELEMENT INTRASYNCRS  (%SYNCRSMACRO;, (BANKACCTFROM | CCACCTFROM), INTRATRNRS*)>


<!-- OFX 2.0 -->
<!-- FROM BANKACCTFROM to (BANKACCTFROM | CCACCTFROM) -->
<!-- Interbank Transfer Sync Response -->
<!ELEMENT INTERSYNCRS  (%SYNCRSMACRO;, (BANKACCTFROM | CCACCTFROM), INTERTRNRS*)>

<!-- Wire Transfer Synchronization Response -->

<!ELEMENT WIRESYNCRS  (%SYNCRSMACRO;, BANKACCTFROM, WIRETRNRS*)>


<!-- OFX 2.0 -->
<!-- FROM BANKACCTFROM to (BANKACCTFROM | CCACCTFROM) -->
<!-- Intrabank Transfer Synchronization Response -->
<!ELEMENT RECINTRASYNCRS      (%SYNCRSMACRO;, (BANKACCTFROM | CCACCTFROM), RECINTRATRNRS*)>

<!-- OFX 2.0 -->
<!-- FROM BANKACCTFROM to (BANKACCTFROM | CCACCTFROM) -->
<!-- Recurring Interbank Rransfer Synchronization Response -->
<!ELEMENT RECINTERSYNCRS	 (%SYNCRSMACRO;, (BANKACCTFROM | CCACCTFROM), RECINTERTRNRS*)>

<!-- Bank E-Mail Synchronization Request -->

<!ELEMENT BANKMAILSYNCRS  (%SYNCRSMACRO;, (BANKACCTFROM | CCACCTFROM), BANKMAILTRNRS*)>


<!-- ============================================================================= -->
<!--            Aggregates                                                         -->
<!-- ============================================================================= -->

<!-- Banking Account Information -->

<!ELEMENT BANKACCTINFO   (BANKACCTFROM, SUPTXDL, XFERSRC, XFERDEST, SVCSTATUS)>

<!-- Credit Card Account Information -->

<!ELEMENT CCACCTINFO     (CCACCTFROM, SUPTXDL, XFERSRC, XFERDEST, SVCSTATUS)>

<!-- Does FI support transaction detail in statement download -->
<!ELEMENT SUPTXDL        %BOOLTYPE;>

<!-- Can the account be the source for intra and interbank transfers -->
<!ELEMENT XFERSRC        %BOOLTYPE;>

<!-- Can the account be the destination for intra and interbank transfers -->
<!ELEMENT XFERDEST       %BOOLTYPE;>

<!-- Statement Transaction List -->

<!ELEMENT BANKTRANLIST    	 (DTSTART, DTEND, STMTTRN*)>


<!-- Ledger Balance -->

<!ELEMENT LEDGERBAL      (BALAMT, DTASOF)>


<!-- Available Balance -->

<!ELEMENT AVAILBAL       (BALAMT, DTASOF)>

<!-- Credit Card Statement Closing 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 -->
<!-- Statement Closing Information -->

<!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 Amount of Payments and Credits -->

<!ELEMENT PAYANDCREDIT		%AMTTYPE;>


<!-- Total Amount 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 Amount of Deposits and Credits -->

<!ELEMENT DEPANDCREDIT	 %AMTTYPE;>


<!-- Total Amount 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?)> 

<!-- Type of Rransaction -->

<!ELEMENT TRNTYPE	 %TRANSACTIONENUM;>

<!-- Date Transaction Was Posted to Account -->

<!ELEMENT DTPOSTED		%DTTMTYPE;>

<!-- Date User Initiated Transaction -->	

<!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 
-->
<!--  Source of Cash Used for 401K Security -->

<!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 Detail -->

<!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 Code -->

<!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;>


<!-- Bill Pay Message Set Wrappers -->

<!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)>

<!-- Bill Pay Message Set Profile -->

<!ELEMENT BILLPAYMSGSETV1            (MSGSETCORE,  DAYSWITH, DFLTDAYSTOPAY,
                                      XFERDAYSWITH, XFERDFLTDAYSTOPAY, 
                                      PROCDAYSOFF*, PROCENDTM, 
                                      MODELWND, POSTPROCWND, STSVIAMODS,
                                      PMTBYADDR, PMTBYXFER, PMTBYPAYEEID,
                                      CANADDPAYEE, HASEXTDPMT, 
                                      CANMODPMTS, CANMODMDLS, DIFFFIRSTPMT, 
                                      DIFFLASTPMT, BILLPUBCONTEXT?)>

<!-- Number of days before the processing date that funds are withdrawn -->
<!ELEMENT DAYSWITH                   %DAYSPANTYPE;>

<!-- The default number of days to pay -->
<!ELEMENT DFLTDAYSTOPAY              %DAYSPANTYPE;>

<!-- Number of days before the processing date that funds are withdrawn for transfers -->
<!ELEMENT XFERDAYSWITH               %DAYSPANTYPE;>

<!-- The default njumber of days to pay for transfers -->
<!ELEMENT XFERDFLTDAYSTOPAY          %DAYSPANTYPE;>

<!--  The number of days after a transaction is processed that it is acessible for status inquiries -->
<!ELEMENT POSTPROCWND                %DAYSPANTYPE;>       

<!--  server supports communication of server-initiated payment status changes via the PMTMODRS -->
<!ELEMENT STSVIAMODS                 %BOOLTYPE;>          

<!--  the payment provider supports payments to payees identified by billing address, i.e. the PAYEE aggregate -->
<!ELEMENT PMTBYADDR                  %BOOLTYPE;>          

<!-- Can pay by transfers -->
<!ELEMENT PMTBYXFER                  %BOOLTYPE;>

<!-- Can pay by user supplied payee IDs -->
<!ELEMENT PMTBYPAYEEID               %BOOLTYPE;>          

 <!-- User can add payees if no, the user is restricted to payees added to the users payee list by the payment system -->
<!ELEMENT CANADDPAYEE                %BOOLTYPE;>         

 <!-- Supports the EXTDPMT business payment aggregate -->
<!ELEMENT HASEXTDPMT                 %BOOLTYPE;>         

<!-- Permit modifications to payments, i.e. PMTMODRQ -->
<!ELEMENT CANMODPMTS                 %BOOLTYPE;>          

<!-- Support for specifying a different amount for the first payment generated by a model -->
<!ELEMENT DIFFFIRSTPMT               %BOOLTYPE;>          

<!-- Support for specifying a different amount for the last payment generated  by a model -->
<!ELEMENT DIFFLASTPMT                %BOOLTYPE;>          

<!-- Support for bill presentment context information in payment operations -->

<!ELEMENT BILLPUBCONTEXT             %BOOLTYPE;>                                                                          

<!-- Bill Payment Transactions Wrappers -->

<!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)>              

<!--  Payment Modification Request -->

<!ELEMENT PMTMODRQ       (SRVRTID, PMTINFO)>             

<!--  Payment Cancellation Request -->

<!ELEMENT PMTCANCRQ      (SRVRTID)>

<!--  Recurring Payment Request -->

<!ELEMENT RECPMTRQ           (RECURRINST, PMTINFO, INITIALAMT?, FINALAMT?)>          

<!-- Recurring Payment Modification Request -->

<!ELEMENT RECPMTMODRQ        (RECSRVRTID, RECURRINST, PMTINFO,
			       INITIALAMT?, FINALAMT?, MODPENDING)>          

<!--  Recurring Payment 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 - Payee Added 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                                                         -->
<!-- ============================================================================= -->


<!-- Bill Payment Account Information -->

<!ELEMENT BPACCTINFO   (BANKACCTFROM, SVCSTATUS)>

<!-- Payment Detail Information Aggregate -->

<!ELEMENT PMTINFO   (BANKACCTFROM, TRNAMT, 
                     (PAYEEID|PAYEE), PAYEELSTID?, BANKACCTTO?,
                      EXTDPMT*, PAYACCT, DTDUE, 
                      MEMO?, BILLREFINFO?, BILLPUBINFO?)>

<!--  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 Information -->

<!ELEMENT BILLREFINFO  %BILLREFINFOTYPE;>
 
 <!-- Bill Publisher Information -->
 
 <!ELEMENT BILLPUBINFO       (BILLPUB, BILLID)>

<!--  Either extdpmtdsc or extdpmtinv, or both, but at least one required -->
<!--  Extended Payment Aggregate -->

<!ELEMENT EXTDPMT            (EXTDPMTFOR?, EXTDPMTCHK?, 
                             ((EXTDPMTDSC, EXTDPMTINV?) | EXTDPMTINV))>

<!-- Extended Payment Invoice Aggregate -->
<!ELEMENT EXTDPMTINV     (INVOICE+)>

<!-- Extended Payment Invoice Detail -->
<!ELEMENT INVOICE        (INVNO, INVTOTALAMT, INVPAIDAMT,
                          INVDATE, INVDESC, DISCOUNT?,
                          ADJUSTMENT?, LINEITEM*)>

<!-- Invoice discount detail -->
<!ELEMENT DISCOUNT       (DSCRATE, DSCAMT, DSCDATE?, DSCDESC)>

<!-- Invoice adjustment detail -->
<!ELEMENT ADJUSTMENT     (ADJNO?, ADJDESC, ADJAMT, ADJDATE?)>

<!-- Invoice line item aggregate -->
<!ELEMENT LINEITEM       (LITMAMT, LITMDESC)>

<!-- Usage of extended payment -->
<!ELEMENT EXTDPMTFOR     %EXTDPMTFORENUM;>

<!-- gilb fix this -->
<!ELEMENT EXTDPMTCHK     %EXTTYPE;>

<!-- Extended payment description -->
<!ELEMENT EXTDPMTDSC     %MSGTYPE;>

<!-- Number of the invoice -->
<!ELEMENT INVNO          %INVNOTYPE;>

<!-- Invoice total amount -->
<!ELEMENT INVTOTALAMT    %AMTTYPE;>

<!-- Amount paid on the invoice -->
<!ELEMENT INVPAIDAMT     %AMTTYPE;>

<!-- Invoice date -->
<!ELEMENT INVDATE        %DTTMTYPE;>

<!-- Invoice description -->
<!ELEMENT INVDESC        %SHORTMSGTYPE;>

<!-- Discount rate -->
<!ELEMENT DSCRATE        %RATETYPE;>

<!-- Discount amount -->
<!ELEMENT DSCAMT         %AMTTYPE;>

<!-- Date of discount -->
<!ELEMENT DSCDATE        %DTTMTYPE;>

<!-- Discount description -->
<!ELEMENT DSCDESC        %SHORTMSGTYPE;>

<!-- Adjustment number -->
<!ELEMENT ADJNO          %INVNOTYPE;>

<!-- Adjustment description -->
<!ELEMENT ADJDESC        %SHORTMSGTYPE;>   

<!-- Adjustment amount -->
<!ELEMENT ADJAMT         %AMTTYPE;>

<!-- Date of adjustment -->
<!ELEMENT ADJDATE        %DTTMTYPE;>

<!-- Line item amount -->
<!ELEMENT LITMAMT        %AMTTYPE;>

<!-- Line item description -->
<!ELEMENT LITMDESC       %SHORTMSGTYPE;>

 
<!--  Initial Amount -->

<!ELEMENT INITIALAMT     %AMTTYPE;>           
 

<!--  Final Amount -->

<!ELEMENT FINALAMT       %AMTTYPE;>           
 

<!-- Standard Payee Detail -->

<!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 Detail 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 Request --> 

<!ELEMENT PMTMAILRQ          (MAIL,(SRVRTID,PMTINFO)?)>

<!-- Payment Inquiry Mail Message Response --> 

<!ELEMENT PMTMAILRS          (MAIL,(SRVRTID,PMTINFO)?)>

<!-- Signup Message Sets -->

<!ELEMENT SIGNUPMSGSRQV1        ((ENROLLTRNRQ | ACCTINFOTRNRQ | 
                                 CHGUSERINFOTRNRQ | CHGUSERINFOSYNCRQ |
                                 ACCTTRNRQ | ACCTSYNCRQ)+ )> 

<!ELEMENT SIGNUPMSGSRSV1        ((ENROLLTRNRS | ACCTINFOTRNRS | 
                                 CHGUSERINFOTRNRS | CHGUSERINFOSYNCRS |
                                 ACCTTRNRS | ACCTSYNCRS)+ )>

<!-- Profile Entry for Signup Message Set -->

<!ELEMENT SIGNUPMSGSET         (SIGNUPMSGSETV1)>

<!-- Profile Entry for Signup Message Set -->

<!ELEMENT SIGNUPMSGSETV1       (MSGSETCORE, (CLIENTENROLL | WEBENROLL | OTHERENROLL),
                                CHGUSERINFO, AVAILACCTS, CLIENTACTREQ)>

<!-- Enrollment Details -->

<!ELEMENT CLIENTENROLL           (ACCTREQUIRED)>

<!ELEMENT WEBENROLL              (URL)>

<!ELEMENT OTHERENROLL              (MESSAGE)>

<!ELEMENT ACCTREQUIRED           %BOOLTYPE;>

<!ELEMENT CHGUSERINFO            %BOOLTYPE;>

<!ELEMENT AVAILACCTS             %BOOLTYPE;>

<!ELEMENT CLIENTACTREQ           %BOOLTYPE;>

<!-- Enrollment 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         -->
<!-- ==================  -->

<!-- Enrollment request -->
<!ELEMENT ENROLLRQ        (FIRSTNAME, MIDDLENAME ,
                           LASTNAME, (ADDR1,(ADDR2,ADDR3?)?) ,
                           CITY, STATE, POSTALCODE ,
                           COUNTRY, DAYPHONE, EVEPHONE ,
                           EMAIL, USERID?, TAXID ,
                           SECURITYNAME, DATEBIRTH ,
                           (%ACCTFROMMACRO;)? )>

<!-- Tax ID of enroller -->
<!ELEMENT TAXID          %IDTYPE;>

<!-- gilb ?? -->
<!ELEMENT SECURITYNAME   %GENNAMETYPE;>

<!-- Date of birth -->
<!ELEMENT DATEBIRTH      %DTTMTYPE;>

<!-- Enrollment response -->
<!ELEMENT ENROLLRS       (TEMPPASS?, USERID?, DTEXPIRE?)>

    <!-- NOTE: could constrain  DTEXPIRE -->

<!-- Temporary password -->
<!ELEMENT TEMPPASS       %TEMPPASSTYPE;>

<!-- gilb ?? -->
<!ELEMENT DTEXPIRE       %DTTMTYPE;>

<!-- Change User Information Request -->

<!ELEMENT CHGUSERINFORQ      (FIRSTNAME?, MIDDLENAME?, LASTNAME?,
                             (ADDR1,(ADDR2,ADDR3?)?)?,
                             CITY?, STATE?, POSTALCODE?, COUNTRY?,
                             DAYPHONE?, EVEPHONE?, EMAIL?)>

<!-- Change User Information Response -->

<!ELEMENT CHGUSERINFORS      (FIRSTNAME?, MIDDLENAME?, LASTNAME?,
                             (ADDR1,(ADDR2,ADDR3?)?)?,
                             CITY?, STATE?, POSTALCODE?, COUNTRY?,
                             DAYPHONE?, EVEPHONE?, EMAIL?,
                             DTINFOCHG)>

<!-- Date of user information change -->
<!ELEMENT DTINFOCHG      %DTTMTYPE;>                             

<!-- Change User Information Sync Request -->
<!ELEMENT CHGUSERINFOSYNCRQ     (%SYNCRQMACRO;, CHGUSERINFOTRNRQ*)>

<!-- Change User Information Sync Response -->
<!ELEMENT CHGUSERINFOSYNCRS     (%SYNCRSMACRO;, CHGUSERINFOTRNRS*)>

<!-- Account Information Request -->
<!ELEMENT ACCTINFORQ     (DTACCTUP)>

<!-- Account Information Response -->
<!ELEMENT ACCTINFORS     (DTACCTUP, ACCTINFO*)>

<!-- Account Info aggregate
     Note: this refers to a macro in ofxmain that
     list all of the account info aggregates
-->

<!-- Account Information Aggregate -->
<!ELEMENT ACCTINFO       (DESC?, PHONE?, (%ACCTINFOMACRO;)+ )>

<!-- Service status - should be included as part of
     the ACCTINFOMACRO aggregates.  Values
     are AVAIL, PEND, ACTIVE 
-->

<!-- Service Status Enumeration -->
<!ELEMENT SVCSTATUS      %SERVICESTATUSENUM;>      

<!-- Service Activation Request -->

<!ELEMENT ACCTRQ         ((SVCADD | SVCCHG | SVCDEL),
                          SVC)>

<!-- Service Activation Response -->
<!ELEMENT ACCTRS          ((SVCADD | SVCCHG | SVCDEL), SVC, SVCSTATUS)>

<!-- Add the service for the account -->
<!ELEMENT SVCADD         (%ACCTTOMACRO;)>

<!-- Delete the service for the account -->
<!ELEMENT SVCDEL         (%ACCTFROMMACRO;)>

<!-- gilb ??? -->
<!-- Change the service for the account -->
<!ELEMENT SVCCHG         (%ACCTFROMMACRO;, %ACCTTOMACRO;)>

<!-- Service type -->
<!ELEMENT SVC            %SERVICEENUM;>

<!-- Account Synchronization Request -->

<!ELEMENT ACCTSYNCRQ     (%SYNCRQMACRO;, ACCTTRNRQ*)>

<!-- Account Synchronization Response -->

<!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 -->

<!ELEMENT SECLISTTRNRQ   (%TRNRQMACRO;, SECLISTRQ) >

<!-- Security List Transaction Response -->

<!ELEMENT SECLISTTRNRS   (%TRNRSMACRO;, SECLISTRS?) >

<!-- Security List Request -->

<!ELEMENT SECLISTRQ   (SECRQ+)>

<!-- Security Being Requested -->

<!ELEMENT SECRQ       (SECID | TICKER | FIID) >

<!-- Security List Response -->

<!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?) >

<!-- Security Name -->

<!ELEMENT SECNAME    %SECNAMETYPE;>
              

<!-- Rating for Security -->

<!ELEMENT RATING   %RATINGTYPE; >

<!-- Unitprice for Security -->

<!ELEMENT UNITPRICE   %AMTTYPE; >

<!--  Debt Information Detail -->

<!ELEMENT DEBTINFO   (SECINFO, PARVALUE, DEBTTYPE, DEBTCLASS? ,
                      COUPONRT?, DTCOUPON?, COUPONFREQ?, CALLPRICE?, 
                      YIELDTOCALL?, DTCALL?, CALLTYPE?, YIELDTOMAT?, 
                      DTMAT?, ASSETCLASS?, FIASSETCLASS?) >

<!-- Debt Detail Elements -->

<!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; >

<!-- Fincial Institution Asset Class for Security -->

<!ELEMENT FIASSETCLASS   %GENNAMETYPE; >

<!-- Mutual Fund Information Detail -->

<!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) >

<!-- Percent Rate -->

<!ELEMENT PERCENT   %RATETYPE; >

<!-- Financial Institution Asset Class for Mutual Funds  -->

<!ELEMENT FIMFASSETCLASS   (FIPORTION+) >

<!-- Financial Institution Asset Class Portion -->

<!ELEMENT FIPORTION   (FIASSETCLASS, PERCENT) >

<!-- Option Information Detail -->

<!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 Detail -->

<!ELEMENT OTHERINFO   (SECINFO, TYPEDESC?, ASSETCLASS?, FIASSETCLASS?) >

<!ELEMENT TYPEDESC   %TYPEDESCTYPE; >


<!-- Stock Information Detail -->

<!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) >

<!-- Broker ID -->

<!ELEMENT BROKERID   %BROKERIDTYPE; >

<!-- Investment Account Information Detail -->

<!ELEMENT INVACCTINFO  (INVACCTFROM, USPRODUCTTYPE, CHECKING, 
                       SVCSTATUS, INVACCTTYPE?, OPTIONLEVEL?) >

<!-- US Product Type -->
<!ELEMENT USPRODUCTTYPE  %USPRODUCTENUM; >

<!-- Investment account can do checking -->
<!ELEMENT CHECKING  %BOOLTYPE; >

<!-- Investment Account Type -->
<!ELEMENT INVACCTTYPE  %INVESTMENTACCOUNTENUM; >

<!-- gilb ???-->
<!ELEMENT OPTIONLEVEL  %OPTIONLEVELTYPE; >  


<!-- ****** INVESTMENT STATEMENT DOWNLOAD ****** -->

<!-- Investment Statement Transaction Request -->

<!ELEMENT INVSTMTTRNRQ   (%TRNRQMACRO;, INVSTMTRQ)  >  

<!-- Investment Statement Transaction Request -->

<!ELEMENT INVSTMTTRNRS   (%TRNRSMACRO;, INVSTMTRS?) >

<!-- Investment Statement Request -->

<!ELEMENT INVSTMTRQ   (INVACCTFROM, INCTRAN, INCOO, INCPOS ,
                       INCBAL, INC401K?, INC401KBAL?) >

<!-- Include Transactions Aggregate -->

<!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; >

<!-- Investment 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 investment transactions -->

<!ELEMENT INVTRAN       (FITID, SRVRTID?, DTTRADE, DTSETTLE?, REVERSALFITID?,
                         MEMO?) >

<!-- Trade Date -->

<!ELEMENT DTTRADE   %DTTMTYPE; >

<!-- Settlement Date -->

<!ELEMENT DTSETTLE   %DTTMTYPE; >

<!-- Reversal FI Tran ID -->

<!ELEMENT REVERSALFITID   %FITIDTYPE; >

<!-- Transaction fields common to BUY types of investment 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; >

<!-- Loan ID -->
<!ELEMENT LOANID  %LOANIDTYPE; >

<!-- Loan Principal Amount -->
<!ELEMENT LOANPRINCIPAL  %AMTTYPE; >

<!-- Loan Interest Rate -->
<!ELEMENT LOANINTEREST  %RATETYPE; >

<!-- gilb ???? Loan ID -->
<!ELEMENT DTPAYROLL  %DTTMTYPE; >

<!-- Prior Year Contributions -->
<!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?) >

<!-- gilb -->
<!ELEMENT ACCRDINT   %AMTTYPE; >

<!-- Buy Mutual Fund Transaction -->

<!ELEMENT BUYMF   (INVBUY, BUYTYPE, RELFITID?) >

<!-- Buy Type -->

<!ELEMENT BUYTYPE   %BUYENUM; >

<!-- Related Transaction ID for a Mutual Fund Buy -->

<!ELEMENT RELFITID   %FITIDTYPE; >

<!-- Buy Option Transaction -->

<!ELEMENT BUYOPT   (INVBUY, OPTBUYTYPE, SHPERCTRCT) >

<!-- Option Buy Type -->

<!ELEMENT OPTBUYTYPE   %OPTBUYENUM; >

<!-- Buy Other Transaction -->

<!ELEMENT BUYOTHER   (INVBUY) >

<!-- 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; >

<!-- Income Is Tax Exempt -->

<!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) >

<!-- Journal Sub Account To -->
<!ELEMENT SUBACCTTO  %SUBACCTENUM; >

<!-- Journal Sub Account To -->
<!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) >

<!-- Sell Stock Transaction -->

<!ELEMENT SELLSTOCK   (INVSELL, SELLTYPE) >

<!-- Split Transaction Detail Fields -->

<!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; >

<!-- Date of Purchase -->

<!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?) >

<!-- gilb -->
<!ELEMENT AUCTION   %BOOLTYPE; >

<!-- Date of Auction -->
<!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) >

<!-- Sell All Open Orders -->

<!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; >

<!-- User 401(k) Plan Information Fields -->

<!ELEMENT INV401K      (EMPLOYERNAME, PLANID?, PLANJOINDATE?, EMPLOYERCONTACTINFO?, 
                        BROKERCONTACTINFO?, DEFERPCTPRETAX?, DEFERPCTAFTERTAX?, MATCHINFO?, 
                        CONTRIBINFO?, CURRENTVESTPCT?, VESTINFO?, LOANINFO*, INV401KSUMMARY?)  >

<!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; >

<!-- Contribution Information Detail Fields -->

<!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; >

<!-- 401(k) Loan Information Detail Fields -->
<!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; >

<!-- 401(k) Plan Summary Information Fields -->

<!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 Fields -->

<!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?) >

<!-- Investment 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 -->

<!ELEMENT SECLISTMSGSET   (SECLISTMSGSETV1) >

<!ELEMENT SECLISTMSGSETV1   (MSGSETCORE, SECLISTRQDNLD) >

<!-- FI supports SECLISTRQ -->

<!ELEMENT SECLISTRQDNLD   %BOOLTYPE; >

<!-- Investment Email Transaction Request -->

<!ELEMENT INVMAILTRNRQ       (%TRNRQMACRO;, INVMAILRQ)>

<!-- Investment Email Transaction Response -->

<!ELEMENT INVMAILTRNRS       (%TRNRSMACRO;, INVMAILRS?)>

<!-- Investment Email Sync Request -->

<!ELEMENT INVMAILSYNCRQ      (%SYNCRQMACRO;, INCIMAGES, USEHTML, INVACCTFROM, INVMAILTRNRQ*)>

<!-- Investment Email Sync Response -->

<!ELEMENT INVMAILSYNCRS      (%SYNCRSMACRO;, INVACCTFROM, INVMAILTRNRS*)>

<!-- Investment Email Request -->

<!ELEMENT INVMAILRQ          (INVACCTFROM, MAIL)>

<!-- Investment Email Response -->

<!ELEMENT INVMAILRS          (INVACCTFROM, MAIL)>

<!-- Email Message sets -->

<!ELEMENT EMAILMSGSRQV1      ((MAILTRNRQ | MAILSYNCRQ | GETMIMETRNRQ)+ )>

<!ELEMENT EMAILMSGSRSV1      ((MAILTRNRS | MAILSYNCRS | GETMIMETRNRS)+ )>


<!-- Email Profile Fields -->

<!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)>

<!-- Email Detail Fields -->
<!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 Request -->

<!ELEMENT MAILSYNCRQ     (%SYNCRQMACRO;, INCIMAGES, USEHTML, MAILTRNRQ*)>

<!-- Email Sync Response -->

<!ELEMENT MAILSYNCRS     (%SYNCRSMACRO;, MAILTRNRS*)>

<!-- HTML GET -->

<!ELEMENT GETMIMERQ      (URL)>

<!ELEMENT GETMIMERS      (URL)>


<!-- BILL PRESENTMENT   -->
<!-- gil here -->

<!-- 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 | TAX1098MSGSET |
    			       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 -->
<!-- 1098                         -->
<!ELEMENT TAX1098MSGSET   (TAX1098MSGSETV1)>

<!ELEMENT TAX1098MSGSETV1 (MSGSETCORE, TAX1098DNLD, TAXYEARSUPPORTED+)>

<!ELEMENT TAX1098DNLD       %BOOLTYPE;>

<!-- 1099                         -->
<!ELEMENT TAX1099MSGSET   (TAX1099MSGSETV1)>

<!ELEMENT TAX1099MSGSETV1 (MSGSETCORE, TAX1099DNLD, EXTD1099B, TAXYEARSUPPORTED+)>

<!ELEMENT TAX1099DNLD       %BOOLTYPE;>

<!ELEMENT EXTD1099B         %BOOLTYPE;>

<!ELEMENT TAXYEARSUPPORTED  %YEARTYPE;>

<!-- W2                           -->
<!ELEMENT TAXW2MSGSET     (TAXW2MSGSETV1)>

<!ELEMENT TAXW2MSGSETV1   (MSGSETCORE, TAXW2DNLD, TAXYEARSUPPORTED+)>

<!ELEMENT TAXW2DNLD         %BOOLTYPE;>


<!--    Tax Request Wrappers    -->

<!ELEMENT TAX1098MSGSRQV1 (TAX1098TRNRQ)+>

<!ELEMENT TAX1099MSGSRQV1 (TAX1099TRNRQ)+>

<!ELEMENT TAXW2MSGSRQV1   (TAXW2TRNRQ)+>

<!--   Tax Request Transactions                                           -->

<!ELEMENT TAX1098TRNRQ    (TRNUID, CLTCOOKIE?, TAN?, TAX1098RQ)>

<!ELEMENT TAX1099TRNRQ    (TRNUID, CLTCOOKIE?, TAN?, TAX1099RQ)>

<!ELEMENT TAXW2TRNRQ      (TRNUID, CLTCOOKIE?, TAN?, TAXW2RQ)>

<!ELEMENT TAX1098RQ     (ACCTNUM?, SSN?, TAXYEAR*)>

<!ELEMENT TAX1099RQ     (ACCTNUM?, RECID?, TAXYEAR*)>

<!ELEMENT TAXW2RQ       (SSN, TAXYEAR*)>

<!ELEMENT ACCTNUM     %ACCTIDTYPE;>

<!ELEMENT RECID       %IDTYPE;>

<!ELEMENT TAXYEAR     %YEARTYPE;>

<!ELEMENT TAX1098MSGSRSV1 (TAX1098TRNRS)+>

<!ELEMENT TAX1099MSGSRSV1 (TAX1099TRNRS)+>

<!ELEMENT TAXW2MSGSRSV1 (TAXW2TRNRS)+>

<!--   1098 Response Transaction                                            -->
<!ELEMENT TAX1098TRNRS (TRNUID, STATUS, CLTCOOKIE?, TAX1098RS?)>

<!ELEMENT TAX1098RS    (ACCTNUM?, SSN?, (TAX1098_V100)+)>
                      
<!--   
                 *************************************************************
                 *              Status Codes for 1098                        *
                 *************************************************************
                 * 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)                    *
                 * 14700 * 1098 forms not yet available for tax year (INFO)  *
                 * 14701 * 1098 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)                     *
                 *************************************************************
-->

<!--   1099 Response Transaction                                            -->
<!ELEMENT TAX1099TRNRS (TRNUID, STATUS, CLTCOOKIE?, TAX1099RS?)>

<!ELEMENT TAX1099RS  (ACCTNUM?, RECID?, (TAX1099MISC_V100 | TAX1099R_V100 |
                      TAX1099B_V100 | TAX1099INT_V100 | TAX1099DIV_V100 |
                      TAX1099OID_V100)+)>
                      
<!--   
                 *************************************************************
                 *              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                                            -->
<!ELEMENT TAXW2TRNRS (TRNUID, STATUS, CLTCOOKIE?, TAXW2RS?)>

<!ELEMENT TAXW2RS  (SSN?, (TAXW2_V100 | TAXW2_V200)+)>

<!--   
                 *************************************************************
                 *              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)                     *
                 *************************************************************
-->

<!--
*********************************************************************************
*                                     Tax Form 1098                             *
*********************************************************************************
-->

<!ELEMENT TAX1098_V100 (SRVRTID, TAXYEAR, MORTGAGEINTEREST?, POINTS?,
                        OVERPAIDREFUND?, OTHERLOANINFO?, LENDERADDR?,
                        LENDERID?, BORROWERADDR?, BORROWERID?)>

<!--  Mortgage interest                                                 -->

<!ELEMENT  MORTGAGEINTEREST             %AMTTYPE;>

<!--  Points paid                                                       -->

<!ELEMENT  POINTS                       %AMTTYPE;>

<!--  Refund of overpaid interest                                       -->

<!ELEMENT  OVERPAIDREFUND               %AMTTYPE;>

<!--  Additional details                                                -->

<!ELEMENT  OTHERLOANINFO                %GENDESCTYPE;>

<!--  Lender Address                                                    -->

<!ELEMENT LENDERADDR  (LENDERNAME, ADDR1?, ADDR2?, ADDR3?, CITY?, STATE?,
                       POSTALCODE?)>

<!ELEMENT LENDERNAME               %GENNAMETYPE;>

<!--  Lender Address                                                    -->

<!ELEMENT BORROWERADDR  (BORROWERNAME, ADDR1?, ADDR2?, ADDR3?, CITY?, STATE?,
                         POSTALCODE?)>

<!ELEMENT BORROWERNAME              %GENNAMETYPE;>

<!--  Fed ID number of lender                                           -->

<!ELEMENT  LENDERID                 %GENDESCTYPE;>

<!--  SSN of Borrower                                                   -->

<!ELEMENT  BORROWERID               %GENDESCTYPE;>


<!--
*********************************************************************************
*                                     Tax Form 1099MISC                         *
*********************************************************************************
-->

<!ELEMENT TAX1099MISC_V100 (SRVRTID, TAXYEAR, VOID?, CORRECTED?, RENTS?,
                            ROYALTIES?, OTHERINCOME?, FEDTAXWH?, FISHBOATPRO?,
                            MEDHEALTHPAY?, NONEMPCOMP?, SUBPMTS?, PAYER5KSALES?,
                            CROPINSPRO?,
                            ((STTAXWH?, PAYERSTATE?, PAYERSTID?, STINCOME?) | ADDLSTTAXWHAGG*),
                            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, Boolean                                 -->

<!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;>

<!--   Additional State Tax Withheld information for MISC form                                       -->

<!ELEMENT ADDLSTTAXWHAGG   (STTAXWH, PAYERSTATE, PAYERSTID?, STINCOME?)>

<!ELEMENT STINCOME         %AMTTYPE;>

<!--   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?, COUNTRYSTRING?, PHONE?)>

<!ELEMENT RECNAME1	   %GENNAMETYPE;>

<!ELEMENT RECNAME2	   %GENNAMETYPE;>

<!ELEMENT COUNTRYSTRING	   %COUNTRYSTRINGTYPE;>

<!--  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         %BOOLTYPE;>

<!-- 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?, FEDTAXWH?)>

<!--	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 or Qualified 5 Year Sale                                -->

<!ELEMENT LONGSHORT         %LONGSHORTENUM;>

<!--	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?, QUAL5YEAR?,
                               NONTAXDIST?, FEDTAXWH?, INVESTEXP?, FORTAXPD?,
                               FORCNT?, CASHLIQ?, NONCASHLIQ?, PAYERADDR, 
                               PAYERID, RECADDR?, RECID, RECACCT?, TINNOT?)>

<!-- Ordinary dividends, 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;>

<!-- Qualified 5 year gain, amount                                             -->	

<!ELEMENT QUAL5YEAR            %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, version 100                          *
*********************************************************************************
-->

<!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, COUNTRYSTRING?)>

<!--  Federal Identification Number                                            -->

<!ELEMENT FEDIDNUMBER     %GENNAMETYPE;>

<!ELEMENT NAME1           %GENNAMETYPE;>

<!ELEMENT NAME2           %GENNAMETYPE;>

<!ELEMENT EMPLOYEE        (SSN, FIRSTNAME, MIDDLENAME?, LASTNAME, ADDR1?, ADDR2?, ADDR3?, CITY?,
                           STATE?, POSTALCODE?, COUNTRYSTRING?)>

<!-- 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;>

<!--
*********************************************************************************
*                             Tax Form W2, version 200                          *
*********************************************************************************
-->

<!ELEMENT TAXW2_V200    (TAXYEAR, CNTRLNO?, VOID?, EMPLOYER, EMPLOYEE, WAGES?,
                         FEDTAXWH?, SSWAGES?, SSTAXWH?, MEDICAREWAGES?, MEDICARETAXWH?,
                         SSTIPS?, ALLOCATEDTIPS?, ADVANCEDEIC?, DEPCAREBENEFIT?, 
                         NONQUALPLAN?, CODES*, OTHER*, STATUTORY?, RETIREMENTPLAN?,
                         THIRDPARTYSICKPAY?, DEFERREDCOMP?, STATEINFO*, LOCALINFO*)>
                         
<!ELEMENT RETIREMENTPLAN      %BOOLTYPE;>

<!ELEMENT THIRDPARTYSICKPAY   %BOOLTYPE;>
