EXAMPLE 1: A signup form for New Zealand contains the following information:
Bank Code 12. Branch Code 3456. Account Number 12345678. Account Type Suffix, 9012.

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The RTN will be 711234563. (The final digit, 3, is the U.S. check digit for 71123456.)

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The DAN will be L123456789012. Since the DAN must only have 10 digits, instead of 12, you should review the
1st and 9th digits to determine what numbers to omit or drop from the 12 digit DAN
to make the DAN 10 digits. Since the 1st digit of the DAN is a 1 and the 9th digit
is a 9, do not code the information. Reject the input as the first digit of the DAN
must be a zero and develop for the correct account number and suffix.
EXAMPLE 2: Mr. Beneficiary's bank gives the following information for his direct deposit: Bank
code 11. Branch Code 2222. Account Number 123456. No Account Type Suffix is shown.

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Code the RTN 711122222. (The final digit 2, is the U.S. check digit for 71112222.)

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For the Account Number, code two zeros before the six digits: 00123456.

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For the Account Type Suffix, code four zeros: 0000.

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Code the DAN L001234560000. Review the 1st and 9th digits to determine which numbers to omit or drop from
the DAN to make the DAN 10 digits. Since the 1st digit is a zero and the 9th digit
is a zero, drop the 1st zero and the 9th zero from the DAN. The new DAN will be L0123456000.
This is the information that should be reflected on the MBR.
EXAMPLE 3:
Ms. Zeal provides the following information for her direct deposit:
Bank Code 22. Branch Code 3333. Account Number 1234. Account Type Suffix 567.

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The RTN will be 712233330. (The final digit, 0, is the U.S. check digit for 71223333.)

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For the Account Number, add four zeros before the 1234, making the Account Number
00001234.

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For the Account Type Suffix, place a zero before the 567, making it 0567.

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The DAN will be L000012340567. Review the 1st and the 9th digits to determine which numbers to omit or drop
from the DAN to make the DAN 10 digits. Since the 1st digit is a zero and the 9th
digit is a zero, drop the 1st zero and the 9th zero from the DAN. The new DAN will
be L0001234567. This is the information that should be reflected on the MBR.