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Sample camt.053 file

<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.053.001.08">
    <BkToCstmrStmt>
        <GrpHdr>
            <MsgId>14855584550</MsgId>
            <CreDtTm>2024-11-08T09:53:46.661Z</CreDtTm>
            <MsgRcpt>
                <Nm>SEPA Test Client2</Nm>
                <Id>
                    <OrgId>
                        <Othr>
                            <Id>sepat2</Id>
                        </Othr>
                    </OrgId>
                </Id>
            </MsgRcpt>
        </GrpHdr>
        
        <!-- Statement 1: SEPA Instant Transactions -->
        <Stmt>
            <Id>11256915700</Id>
            <ElctrncSeqNb>399</ElctrncSeqNb>
            <LglSeqNb>399</LglSeqNb>
            <CreDtTm>2024-11-08T09:53:46.663Z</CreDtTm>
            <FrToDt>
                <FrDtTm>2024-11-05T00:00:00.000Z</FrDtTm>
                <ToDtTm>2024-11-05T23:59:59.000Z</ToDtTm>
            </FrToDt>
            <Acct>
                <Id>
                    <IBAN>DE67514304104000000062</IBAN>
                </Id>
                <Tp>
                    <Prtry>IBDA_DDA</Prtry>
                </Tp>
                <Ccy>EUR</Ccy>
                <Nm>SEPA Test Client2 EUR Account1</Nm>
                <Svcr>
                    <FinInstnId>
                        <BICFI>ZYTADEF0</BICFI>
                        <Nm>Goldman Sachs Bank</Nm>
                    </FinInstnId>
                </Svcr>
            </Acct>
            <Bal>
                <Tp>
                    <CdOrPrtry>
                        <Cd>OPBD</Cd>
                    </CdOrPrtry>
                </Tp>
                <Amt Ccy="EUR">103038.00</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <Dt>
                    <DtTm>2024-11-04T23:59:00.000Z</DtTm>
                </Dt>
            </Bal>
            <Bal>
                <Tp>
                    <CdOrPrtry>
                        <Cd>OPAV</Cd>
                    </CdOrPrtry>
                </Tp>
                <Amt Ccy="EUR">102824.00</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <Dt>
                    <DtTm>2024-11-04T23:59:00.000Z</DtTm>
                </Dt>
            </Bal>
            <Bal>
                <Tp>
                    <CdOrPrtry>
                        <Cd>CLBD</Cd>
                    </CdOrPrtry>
                </Tp>
                <Amt Ccy="EUR">103228.00</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <Dt>
                    <DtTm>2024-11-05T23:59:00.000Z</DtTm>
                </Dt>
            </Bal>
            <Bal>
                <Tp>
                    <CdOrPrtry>
                        <Cd>CLAV</Cd>
                    </CdOrPrtry>
                </Tp>
                <Amt Ccy="EUR">103014.00</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <Dt>
                    <DtTm>2024-11-05T23:59:00.000Z</DtTm>
                </Dt>
            </Bal>
            <TxsSummry>
                <TtlNtries>
                    <NbOfNtries>3</NbOfNtries>
                    <Sum>1010.00</Sum>
                    <TtlNetNtry>
                        <Amt>190.00</Amt>
                        <CdtDbtInd>CRDT</CdtDbtInd>
                    </TtlNetNtry>
                </TtlNtries>
                <TtlCdtNtries>
                    <NbOfNtries>1</NbOfNtries>
                    <Sum>600.00</Sum>
                </TtlCdtNtries>
                <TtlDbtNtries>
                    <NbOfNtries>2</NbOfNtries>
                    <Sum>410.00</Sum>
                </TtlDbtNtries>
            </TxsSummry>
            <Ntry>
                <NtryRef>237871250</NtryRef>
                <Amt Ccy="EUR">600.00</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <RvslInd>false</RvslInd>
                <Sts>
                    <Cd>BOOK</Cd>
                </Sts>
                <BookgDt>
                    <DtTm>2024-11-05T11:48:04.000Z</DtTm>
                </BookgDt>
                <ValDt>
                    <Dt>2024-11-05</Dt>
                </ValDt>
                <BkTxCd>
                    <Domn>
                        <Cd>PMNT</Cd>
                        <Fmly>
                            <Cd>RRCT</Cd>
                            <SubFmlyCd>ESCT</SubFmlyCd>
                        </Fmly>
                    </Domn>
                    <Prtry>
                        <Cd>SEPA Instant Credit Receipt</Cd>
                    </Prtry>
                </BkTxCd>
                <NtryDtls>
                    <TxDtls>
                        <Refs>
                            <AcctSvcrRef>SI4XUS44IU8BAY0G</AcctSvcrRef>
                            <PmtInfId>GSRDEWBMYIC</PmtInfId>
                            <EndToEndId>GSRDEWBMYIC</EndToEndId>
                            <TxId>SI4XUS44IU8BAY0G</TxId>
                        </Refs>
                        <AmtDtls>
                            <InstdAmt>
                                <Amt Ccy="EUR">600.00</Amt>
                            </InstdAmt>
                            <TxAmt>
                                <Amt Ccy="EUR">600.00</Amt>
                            </TxAmt>
                        </AmtDtls>
                        <RltdPties>
                            <Dbtr>
                                <Pty>
                                    <Nm>RGVED1241</Nm>
                                </Pty>
                            </Dbtr>
                            <DbtrAcct>
                                <Id>
                                    <IBAN>DE35514304105000003029</IBAN>
                                </Id>
                                <Nm>RGVED1241</Nm>
                            </DbtrAcct>
                        </RltdPties>
                        <RltdAgts>
                            <DbtrAgt>
                                <FinInstnId>
                                    <BICFI>ZYTADEF0</BICFI>
                                </FinInstnId>
                            </DbtrAgt>
                        </RltdAgts>
                        <RltdDts>
                            <IntrBkSttlmDt>2024-11-05</IntrBkSttlmDt>
                        </RltdDts>
                        <AddtlTxInf>Desc: From: RGVED1241, Client Ref ID: GSRDEWBMYIC, GS ID: SI4XUS44IU8BAY0G</AddtlTxInf>
                    </TxDtls>
                </NtryDtls>
            </Ntry>
            <Ntry>
                <NtryRef>318343650</NtryRef>
                <Amt Ccy="EUR">10.00</Amt>
                <CdtDbtInd>DBIT</CdtDbtInd>
                <RvslInd>false</RvslInd>
                <Sts>
                    <Cd>BOOK</Cd>
                </Sts>
                <BookgDt>
                    <DtTm>2024-11-05T12:34:25.000Z</DtTm>
                </BookgDt>
                <ValDt>
                    <Dt>2024-11-05</Dt>
                </ValDt>
                <BkTxCd>
                    <Domn>
                        <Cd>PMNT</Cd>
                        <Fmly>
                            <Cd>IRCT</Cd>
                            <SubFmlyCd>ESCT</SubFmlyCd>
                        </Fmly>
                    </Domn>
                    <Prtry>
                        <Cd>SEPA Instant Payment</Cd>
                    </Prtry>
                </BkTxCd>
                <NtryDtls>
                    <TxDtls>
                        <Refs>
                            <MsgId>GSE525H5FEXNUI3</MsgId>
                            <AcctSvcrRef>CHFPS1000845974</AcctSvcrRef>
                            <PmtInfId>PMTFX-DTV022</PmtInfId>
                            <EndToEndId>GSULAXMT6MRPHK</EndToEndId>
                            <TxId>CHFPS1000845974</TxId>
                        </Refs>
                        <AmtDtls>
                            <InstdAmt>
                                <Amt Ccy="EUR">50.00</Amt>
                            </InstdAmt>
                            <TxAmt>
                                <Amt Ccy="EUR">50.00</Amt>
                            </TxAmt>
                        </AmtDtls>
                        <RltdPties>
                            <Cdtr>
                                <Pty>
                                    <Nm>GOLDMAN SACHS BANK USA</Nm>
                                </Pty>
                            </Cdtr>
                            <CdtrAcct>
                                <Id>
                                    <IBAN>DE20514304103000000651</IBAN>
                                </Id>
                            </CdtrAcct>
                        </RltdPties>
                        <RltdAgts>
                            <CdtrAgt>
                                <FinInstnId>
                                    <BICFI>ZYTADEF0XXX</BICFI>
                                </FinInstnId>
                            </CdtrAgt>
                        </RltdAgts>
                        <RmtInf>
                            <Ustrd>Dbtr Ctry Adr Line</Ustrd>
                        </RmtInf>
                        <RltdDts>
                            <IntrBkSttlmDt>2024-11-05</IntrBkSttlmDt>
                        </RltdDts>
                        <AddtlTxInf>Desc: To: GOLDMAN SACHS BANK USA, Remittance Info: "Dbtr Ctry Adr Line", Client Ref ID: GSULAXMT6MRPHK, GS ID: CHFPS1000845974</AddtlTxInf>
                    </TxDtls>
                </NtryDtls>
            </Ntry>
            <Ntry>
                <NtryRef>237871100</NtryRef>
                <Amt Ccy="EUR">400.00</Amt>
                <CdtDbtInd>DBIT</CdtDbtInd>
                <RvslInd>false</RvslInd>
                <Sts>
                    <Cd>BOOK</Cd>
                </Sts>
                <BookgDt>
                    <DtTm>2024-11-05T12:09:39.000Z</DtTm>
                </BookgDt>
                <ValDt>
                    <Dt>2024-11-05</Dt>
                </ValDt>
                <BkTxCd>
                    <Domn>
                        <Cd>PMNT</Cd>
                        <Fmly>
                            <Cd>IRCT</Cd>
                            <SubFmlyCd>RRTN</SubFmlyCd>
                        </Fmly>
                    </Domn>
                    <Prtry>
                        <Cd>SEPA Instant Receipt Return</Cd>
                    </Prtry>
                </BkTxCd>
                <NtryDtls>
                    <TxDtls>
                        <Refs>
                            <AcctSvcrRef>PT6OD8EABBUX8FR3</AcctSvcrRef>
                            <PmtInfId>GSMCUUAEXIR</PmtInfId>
                            <EndToEndId>GSMCUUAEXIR</EndToEndId>
                            <TxId>PT6OD8EABBUX8FR3</TxId>
                        </Refs>
                        <AmtDtls>
                            <InstdAmt>
                                <Amt Ccy="EUR">400.00</Amt>
                            </InstdAmt>
                            <TxAmt>
                                <Amt Ccy="EUR">400.00</Amt>
                            </TxAmt>
                        </AmtDtls>
                        <RltdPties>
                            <Cdtr>
                                <Pty>
                                    <Nm>RGVED1241</Nm>
                                </Pty>
                            </Cdtr>
                        </RltdPties>
                        <RltdAgts>
                            <CdtrAgt>
                                <FinInstnId>
                                    <BICFI>ZYTADEF0</BICFI>
                                </FinInstnId>
                            </CdtrAgt>
                        </RltdAgts>
                        <RltdDts>
                            <IntrBkSttlmDt>2024-11-05</IntrBkSttlmDt>
                        </RltdDts>
                        <AddtlTxInf>Desc: Return To: RGVED1241, Remittance Info: "{"strdRfrdDocInf":[{}]}", Reason: "DUPL", Return of Client Ref ID: GSMCUUAEXIR, GS ID: PT6OD8EABBUX8FR3</AddtlTxInf>
                    </TxDtls>
                </NtryDtls>
            </Ntry>
        </Stmt>

        <!-- Statement 2: SEPA DD, SEPA CT, and SEPA Instant Returns -->
        <Stmt>
            <Id>11256915750</Id>
            <ElctrncSeqNb>400</ElctrncSeqNb>
            <LglSeqNb>400</LglSeqNb>
            <CreDtTm>2024-11-08T09:53:46.666Z</CreDtTm>
            <FrToDt>
                <FrDtTm>2024-11-05T00:00:00.000Z</FrDtTm>
                <ToDtTm>2024-11-05T23:59:59.000Z</ToDtTm>
            </FrToDt>
            <Acct>
                <Id>
                    <IBAN>DE35514304105000003029</IBAN>
                </Id>
                <Tp>
                    <Prtry>IBDA_DDA</Prtry>
                </Tp>
                <Ccy>EUR</Ccy>
                <Nm>SEPA Test Client2 EUR Account2</Nm>
                <Svcr>
                    <FinInstnId>
                        <BICFI>ZYTADEF0</BICFI>
                        <Nm>Goldman Sachs Bank</Nm>
                    </FinInstnId>
                </Svcr>
            </Acct>
            <Bal>
                <Tp>
                    <CdOrPrtry>
                        <Cd>OPBD</Cd>
                    </CdOrPrtry>
                </Tp>
                <Amt Ccy="EUR">687717.96</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <Dt>
                    <DtTm>2024-11-04T23:59:00.000Z</DtTm>
                </Dt>
            </Bal>
            <Bal>
                <Tp>
                    <CdOrPrtry>
                        <Cd>OPAV</Cd>
                    </CdOrPrtry>
                </Tp>
                <Amt Ccy="EUR">677883.95</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <Dt>
                    <DtTm>2024-11-04T23:59:00.000Z</DtTm>
                </Dt>
            </Bal>
            <Bal>
                <Tp>
                    <CdOrPrtry>
                        <Cd>CLBD</Cd>
                    </CdOrPrtry>
                </Tp>
                <Amt Ccy="EUR">689229.56</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <Dt>
                    <DtTm>2024-11-05T23:59:00.000Z</DtTm>
                </Dt>
            </Bal>
            <Bal>
                <Tp>
                    <CdOrPrtry>
                        <Cd>CLAV</Cd>
                    </CdOrPrtry>
                </Tp>
                <Amt Ccy="EUR">679395.55</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <Dt>
                    <DtTm>2024-11-05T23:59:00.000Z</DtTm>
                </Dt>
            </Bal>
            <TxsSummry>
                <TtlNtries>
                    <NbOfNtries>10</NbOfNtries>
                    <Sum>7618.40</Sum>
                    <TtlNetNtry>
                        <Amt>1511.60</Amt>
                        <CdtDbtInd>CRDT</CdtDbtInd>
                    </TtlNetNtry>
                </TtlNtries>
                <TtlCdtNtries>
                    <NbOfNtries>6</NbOfNtries>
                    <Sum>4565.00</Sum>
                </TtlCdtNtries>
                <TtlDbtNtries>
                    <NbOfNtries>4</NbOfNtries>
                    <Sum>3053.40</Sum>
                </TtlDbtNtries>
            </TxsSummry>
            <Ntry>
                <NtryRef>784402850</NtryRef>
                <Amt Ccy="EUR">300.00</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <RvslInd>false</RvslInd>
                <Sts>
                    <Cd>BOOK</Cd>
                </Sts>
                <BookgDt>
                    <DtTm>2024-11-05T04:47:25.000Z</DtTm>
                </BookgDt>
                <ValDt>
                    <Dt>2024-11-05</Dt>
                </ValDt>
                <BkTxCd>
                    <Domn>
                        <Cd>PMNT</Cd>
                        <Fmly>
                            <Cd>RRCT</Cd>
                            <SubFmlyCd>RRTN</SubFmlyCd>
                        </Fmly>
                    </Domn>
                    <Prtry>
                        <Cd>SEPA Instant Payment Return</Cd>
                    </Prtry>
                </BkTxCd>
                <NtryDtls>
                    <TxDtls>
                        <Refs>
                            <AcctSvcrRef>SI3SI3V76T3Y6RVJ</AcctSvcrRef>
                            <PmtInfId>GSCPJ1QHVKFCK745</PmtInfId>
                            <EndToEndId>GSCPJ1QHVKFCK745</EndToEndId>
                            <TxId>2bed745860f7428d832defpk745cc83e</TxId>
                            <ClrSysRef>2bed745860f7428d832defpk745cc83e</ClrSysRef>
                        </Refs>
                        <AmtDtls>
                            <InstdAmt>
                                <Amt Ccy="EUR">300.00</Amt>
                            </InstdAmt>
                            <TxAmt>
                                <Amt Ccy="EUR">300.00</Amt>
                            </TxAmt>
                        </AmtDtls>
                        <RltdPties>
                            <Dbtr>
                                <Pty>
                                    <Nm>Debtor Name</Nm>
                                    <PstlAdr>
                                        <StrtNm>Street Name</StrtNm>
                                        <PstCd>Postal code</PstCd>
                                        <CtrySubDvsn>EN1</CtrySubDvsn>
                                        <Ctry>GB</Ctry>
                                    </PstlAdr>
                                </Pty>
                            </Dbtr>
                            <DbtrAcct>
                                <Id>
                                    <IBAN>FR1420041010090900013T5678</IBAN>
                                </Id>
                                <Nm>Debit Account Name</Nm>
                            </DbtrAcct>
                            <UltmtDbtr>
                                <Pty>
                                    <Nm>Ultimate Debtor</Nm>
                                </Pty>
                            </UltmtDbtr>
                            <UltmtCdtr>
                                <Pty>
                                    <Nm>Ultimate Creditor</Nm>
                                </Pty>
                            </UltmtCdtr>
                        </RltdPties>
                        <RltdAgts>
                            <DbtrAgt>
                                <FinInstnId>
                                    <BICFI>SATPFRP0</BICFI>
                                </FinInstnId>
                            </DbtrAgt>
                        </RltdAgts>
                        <RmtInf>
                            <Ustrd>UNSTRUCTURED Remittance</Ustrd>
                        </RmtInf>
                        <RltdDts>
                            <IntrBkSttlmDt>2024-11-05</IntrBkSttlmDt>
                        </RltdDts>
                        <RtrInf>
                            <Rsn>
                                <Prtry>FOCR</Prtry>
                            </Rsn>
                            <AddtlInf>Return following a cancellation request.</AddtlInf>
                        </RtrInf>
                        <AddtlTxInf>Desc: Return From: Debtor Name, Remittance Info: "UNSTRUCTURED Remittance", Reason: "FOCR", Return of Client Ref ID: GSCPJ1QHVKFCK745, GS ID: SI3SI3V76T3Y6RVJ</AddtlTxInf>
                    </TxDtls>
                </NtryDtls>
            </Ntry>
            <Ntry>
                <NtryRef>757486000</NtryRef>
                <Amt Ccy="EUR">1.70</Amt>
                <CdtDbtInd>DBIT</CdtDbtInd>
                <RvslInd>false</RvslInd>
                <Sts>
                    <Cd>BOOK</Cd>
                </Sts>
                <BookgDt>
                    <DtTm>2024-11-05T11:02:14.000Z</DtTm>
                </BookgDt>
                <ValDt>
                    <Dt>2024-11-05</Dt>
                </ValDt>
                <BkTxCd>
                    <Domn>
                        <Cd>PMNT</Cd>
                        <Fmly>
                            <Cd>IDDT</Cd>
                            <SubFmlyCd>PRDD</SubFmlyCd>
                        </Fmly>
                    </Domn>
                    <Prtry>
                        <Cd>SEPA DD CORE Collection Reversal</Cd>
                    </Prtry>
                </BkTxCd>
                <NtryDtls>
                    <TxDtls>
                        <Refs>
                            <AcctSvcrRef>SB2604201968904</AcctSvcrRef>
                            <PmtInfId>SX26036120905336</PmtInfId>
                            <EndToEndId>GSYY6BVJBPMDHDYLRLN</EndToEndId>
                            <TxId>SB2604201968904</TxId>
                        </Refs>
                        <AmtDtls>
                            <InstdAmt>
                                <Amt Ccy="EUR">1.70</Amt>
                            </InstdAmt>
                            <TxAmt>
                                <Amt Ccy="EUR">1.70</Amt>
                            </TxAmt>
                        </AmtDtls>
                        <RltdPties>
                            <Cdtr>
                                <Nm>SEPA Test Client2 EUR Account2</Nm>
                            </Cdtr>
                            <CdtrAcct>
                                <Id>
                                    <IBAN>DE35514304105000003029</IBAN>
                                </Id>
                                <Nm>SEPA Test Client2 EUR Account2</Nm>
                            </CdtrAcct>
                        </RltdPties>
                        <RltdAgts>
                            <CdtrAgt>
                                <FinInstnId>
                                    <BIC>AGRIFRPPXXX</BIC>
                                </FinInstnId>
                            </CdtrAgt>
                        </RltdAgts>
                        <Purp>
                            <Prtry>Supplier payment</Prtry>
                        </Purp>
                        <RmtInf>
                            <Ustrd>Invoice PEL/ABC/131233 Dtd</Ustrd>
                        </RmtInf>
                        <AddtlTxInf>Desc: -</AddtlTxInf>
                    </TxDtls>
                </NtryDtls>
            </Ntry>
            <Ntry>
                <NtryRef>822660950</NtryRef>
                <Amt Ccy="EUR">3000.00</Amt>
                <CdtDbtInd>DBIT</CdtDbtInd>
                <RvslInd>true</RvslInd>
                <Sts>
                    <Cd>BOOK</Cd>
                </Sts>
                <BookgDt>
                    <DtTm>2024-11-05T08:42:05.000Z</DtTm>
                </BookgDt>
                <ValDt>
                    <Dt>2024-11-05</Dt>
                </ValDt>
                <BkTxCd>
                    <Domn>
                        <Cd>PMNT</Cd>
                        <Fmly>
                            <Cd>IDDT</Cd>
                            <SubFmlyCd>UPDD</SubFmlyCd>
                        </Fmly>
                    </Domn>
                    <Prtry>
                        <Cd>SEPA DD CORE Collection Return</Cd>
                    </Prtry>
                </BkTxCd>
                <NtryDtls>
                    <TxDtls>
                        <Refs>
                            <MsgId>NCOR260604323858</MsgId>
                            <AcctSvcrRef>SB2615503663773</AcctSvcrRef>
                            <PmtInfId>GS0E6NRNHUUHZW2</PmtInfId>
                            <EndToEndId>GSOOGNJSVYLGT33V2GA</EndToEndId>
                            <TxId>SB2615403636282</TxId>
                            <MndtId>mndtid</MndtId>
                            <ClrSysRef>SDD-T260603000000000000000125164124</ClrSysRef>
                        </Refs>
                        <AmtDtls>
                            <InstdAmt>
                                <Amt Ccy="EUR">3000.00</Amt>
                            </InstdAmt>
                            <TxAmt>
                                <Amt Ccy="EUR">3000.00</Amt>
                            </TxAmt>
                        </AmtDtls>
                        <RltdPties>
                            <Cdtr>
                                <Pty>
                                    <Nm>SEPA Test Client2 EUR Account2</Nm>
                                </Pty>
                            </Cdtr>
                            <CdtrAcct>
                                <Id>
                                    <IBAN>DE35514304105000003029</IBAN>
                                </Id>
                                <Nm>SEPA Test Client2 EUR Account2</Nm>
                            </CdtrAcct>
                        </RltdPties>
                        <RltdAgts>
                            <CdtrAgt>
                                <FinInstnId>
                                    <BICFI>AGRIFRPPXXX</BICFI>
                                </FinInstnId>
                            </CdtrAgt>
                        </RltdAgts>
                        <RltdDts>
                            <IntrBkSttlmDt>2024-11-05</IntrBkSttlmDt>
                        </RltdDts>
                        <RtrInf>
                            <Rsn>
                                <Prtry>AC01</Prtry>
                            </Rsn>
                            <AddtlInf>Account number is invalid or missing.</AddtlInf>
                        </RtrInf>
                        <AddtlTxInf>Desc: Return To: SEPA Test Client2 EUR Account2, Reason: "AC01", Return of Client Ref ID: GSOOGNJSVYLGT33V2GA, GS ID: SB2615503663773</AddtlTxInf>
                    </TxDtls>
                </NtryDtls>
            </Ntry>
            <Ntry>
                <NtryRef>816814600</NtryRef>
                <Amt Ccy="EUR">100.00</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <RvslInd>true</RvslInd>
                <Sts>
                    <Cd>BOOK</Cd>
                </Sts>
                <BookgDt>
                    <DtTm>2024-11-05T11:00:51.000Z</DtTm>
                </BookgDt>
                <ValDt>
                    <Dt>2024-11-05</Dt>
                </ValDt>
                <BkTxCd>
                    <Domn>
                        <Cd>PMNT</Cd>
                        <Fmly>
                            <Cd>RDDT</Cd>
                            <SubFmlyCd>PRDD</SubFmlyCd>
                        </Fmly>
                    </Domn>
                    <Prtry>
                        <Cd>SEPA DD CORE Payment Reversal</Cd>
                    </Prtry>
                </BkTxCd>
                <NtryDtls>
                    <TxDtls>
                        <Refs>
                            <MsgId>NCOR260521494100</MsgId>
                            <AcctSvcrRef>SB2614103524413</AcctSvcrRef>
                            <PmtInfId>GS0E6B9EBNTNEWI</PmtInfId>
                            <EndToEndId>GS0E6AHJLB5LLE7</EndToEndId>
                            <TxId>SB2614103524413</TxId>
                        </Refs>
                        <AmtDtls>
                            <InstdAmt>
                                <Amt Ccy="EUR">100.00</Amt>
                            </InstdAmt>
                            <TxAmt>
                                <Amt Ccy="EUR">100.00</Amt>
                            </TxAmt>
                        </AmtDtls>
                        <RltdPties>
                            <Dbtr>
                                <Nm>SEPA Test Client2 EUR Account2</Nm>
                            </Dbtr>
                            <DbtrAcct>
                                <Id>
                                    <IBAN>DE35514304105000003029</IBAN>
                                </Id>
                                <Nm>SEPA Test Client2 EUR Account2</Nm>
                            </DbtrAcct>
                            <UltmtDbtr>
                                <Nm>Ultimate Debtor Name</Nm>
                                <Id>
                                    <OrgId>
                                        <Othr>
                                            <Id>Ultimate Debtor ID</Id>
                                        </Othr>
                                    </OrgId>
                                </Id>
                            </UltmtDbtr>
                            <UltmtCdtr>
                                <Nm>Ultimate Creditor Name</Nm>
                                <Id>
                                    <OrgId>
                                        <Othr>
                                            <Id>Ultimate Creditor ID</Id>
                                        </Othr>
                                    </OrgId>
                                </Id>
                            </UltmtCdtr>
                        </RltdPties>
                        <RltdAgts>
                            <DbtrAgt>
                                <FinInstnId>
                                    <BIC>AGRIFRPP</BIC>
                                </FinInstnId>
                            </DbtrAgt>
                        </RltdAgts>
                        <RmtInf>
                            <Ustrd>Payment for monthly subscription services rendered in May</Ustrd>
                        </RmtInf>
                        <AddtlTxInf>Desc: From: DepositsQA01-UK-E2E, Remittance Info: "Payment for monthly subscription services rendered in May", Reason: "AM05", Reversal of Client Ref ID: GS0E6AHJLB5LLEA, GS ID: SB2614103524413</AddtlTxInf>
                    </TxDtls>
                </NtryDtls>
            </Ntry>
            <Ntry>
                <NtryRef>821386700</NtryRef>
                <Amt Ccy="EUR">1.70</Amt>
                <CdtDbtInd>DBIT</CdtDbtInd>
                <RvslInd>true</RvslInd>
                <Sts>
                    <Cd>BOOK</Cd>
                </Sts>
                <BookgDt>
                    <DtTm>2024-11-05T09:49:42.000Z</DtTm>
                </BookgDt>
                <ValDt>
                    <Dt>2024-11-05</Dt>
                </ValDt>
                <BkTxCd>
                    <Domn>
                        <Cd>PMNT</Cd>
                        <Fmly>
                            <Cd>IDDT</Cd>
                            <SubFmlyCd>UPDD</SubFmlyCd>
                        </Fmly>
                    </Domn>
                    <Prtry>
                        <Cd>SEPA DD CORE Collection Refund</Cd>
                    </Prtry>
                </BkTxCd>
                <NtryDtls>
                    <TxDtls>
                        <Refs>
                            <MsgId>NCOR260602444892</MsgId>
                            <AcctSvcrRef>SB2615303608871</AcctSvcrRef>
                            <PmtInfId>GS0E6M5N2ZAHZF4</PmtInfId>
                            <EndToEndId>SDD00001251320380000001</EndToEndId>
                            <TxId>SB2615303608871</TxId>
                            <MndtId>mndtid</MndtId>
                            <ClrSysRef>SDD-T260602000000000000000125132007</ClrSysRef>
                        </Refs>
                        <AmtDtls>
                            <InstdAmt>
                                <Amt Ccy="EUR">1.70</Amt>
                            </InstdAmt>
                            <TxAmt>
                                <Amt Ccy="EUR">1.70</Amt>
                            </TxAmt>
                        </AmtDtls>
                        <RltdPties>
                            <Cdtr>
                                <Pty>
                                    <Nm>SEPA Test Client2 EUR Account2</Nm>
                                </Pty>
                            </Cdtr>
                            <CdtrAcct>
                                <Id>
                                    <IBAN>DE35514304105000003029</IBAN>
                                </Id>
                                <Nm>SEPA Test Client2 EUR Account2</Nm>
                            </CdtrAcct>
                        </RltdPties>
                        <RltdAgts>
                            <CdtrAgt>
                                <FinInstnId>
                                    <BICFI>AGRIFRPPXXX</BICFI>
                                </FinInstnId>
                            </CdtrAgt>
                        </RltdAgts>
                        <RmtInf>
                            <Ustrd>Invoice PEL/Dtd PARTREJECT</Ustrd>
                        </RmtInf>
                        <RltdDts>
                            <IntrBkSttlmDt>2024-11-05</IntrBkSttlmDt>
                        </RltdDts>
                        <AddtlTxInf>Desc: Refund For: VKHF JTFC ARQROJ3 ZLV ZFVBDMV3, Remittance Info: "Invoice PEL/Dtd PARTREJECT", Reason: "MD06", Refund of Client Ref ID: GSUU4FZOYP9CSUSCDFG, GS ID: SB2615303608871</AddtlTxInf>
                    </TxDtls>
                </NtryDtls>
            </Ntry>
            <Ntry>
                <NtryRef>805616150</NtryRef>
                <Amt Ccy="EUR">50.00</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <RvslInd>false</RvslInd>
                <Sts>
                    <Cd>BOOK</Cd>
                </Sts>
                <BookgDt>
                    <DtTm>2024-11-05T10:30:10.000Z</DtTm>
                </BookgDt>
                <ValDt>
                    <Dt>2024-11-05</Dt>
                </ValDt>
                <BkTxCd>
                    <Domn>
                        <Cd>PMNT</Cd>
                        <Fmly>
                            <Cd>RDDT</Cd>
                            <SubFmlyCd>UPDD</SubFmlyCd>
                        </Fmly>
                    </Domn>
                    <Prtry>
                        <Cd>SEPA DD CORE Payment Refund</Cd>
                    </Prtry>
                </BkTxCd>
                <NtryDtls>
                    <TxDtls>
                        <Refs>
                            <AcctSvcrRef>SB2612403426410</AcctSvcrRef>
                            <PmtInfId>GS0E5LG5GK465GO</PmtInfId>
                            <EndToEndId>GS0E5LG5GK465GP</EndToEndId>
                            <TxId>SB2612403426410</TxId>
                            <MndtId>Creditor1/SEPATestClient1/M001</MndtId>
                        </Refs>
                        <AmtDtls>
                            <InstdAmt>
                                <Amt Ccy="EUR">50.00</Amt>
                            </InstdAmt>
                            <TxAmt>
                                <Amt Ccy="EUR">50.00</Amt>
                            </TxAmt>
                        </AmtDtls>
                        <RltdPties>
                            <Dbtr>
                                <Nm>SEPA Test Client2 EUR Account2</Nm>
                            </Dbtr>
                            <DbtrAcct>
                                <Id>
                                    <IBAN>DE35514304105000003029</IBAN>
                                </Id>
                                <Nm>SEPA Test Client2 EUR Account2</Nm>
                            </DbtrAcct>
                        </RltdPties>
                        <RltdAgts>
                            <DbtrAgt>
                                <FinInstnId>
                                    <BIC>AGRIFRPP</BIC>
                                </FinInstnId>
                            </DbtrAgt>
                        </RltdAgts>
                        <AddtlTxInf>Desc: -</AddtlTxInf>
                    </TxDtls>
                </NtryDtls>
            </Ntry>
            <Ntry>
                <NtryRef>821386750</NtryRef>
                <Amt Ccy="EUR">65.00</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <RvslInd>true</RvslInd>
                <Sts>
                    <Cd>BOOK</Cd>
                </Sts>
                <BookgDt>
                    <DtTm>2024-11-05T07:47:29.000Z</DtTm>
                </BookgDt>
                <ValDt>
                    <Dt>2024-11-05</Dt>
                </ValDt>
                <BkTxCd>
                    <Domn>
                        <Cd>PMNT</Cd>
                        <Fmly>
                            <Cd>ICDT</Cd>
                            <SubFmlyCd>ARET</SubFmlyCd>
                        </Fmly>
                    </Domn>
                    <Prtry>
                        <Cd>SEPA CT Payment Return</Cd>
                    </Prtry>
                </BkTxCd>
                <NtryDtls>
                    <TxDtls>
                        <Refs>
                            <MsgId>NSCT260603597474</MsgId>
                            <AcctSvcrRef>SB2615403636387</AcctSvcrRef>
                            <PmtInfId>NSCTYCIFQLSKCYVDEXEMKURZKSYLWNKLSTI</PmtInfId>
                            <EndToEndId>GSW3KQRNSU</EndToEndId>
                            <TxId>SB2615403635376</TxId>
                            <ClrSysRef>RTRTAGJ7WSPSZJVI</ClrSysRef>
                        </Refs>
                        <AmtDtls>
                            <InstdAmt>
                                <Amt Ccy="EUR">65.00</Amt>
                            </InstdAmt>
                            <TxAmt>
                                <Amt Ccy="EUR">65.00</Amt>
                            </TxAmt>
                        </AmtDtls>
                        <RltdPties>
                            <Dbtr>
                                <Pty>
                                    <Nm>SEPA Test Client2 EUR Account2</Nm>
                                </Pty>
                            </Dbtr>
                            <DbtrAcct>
                                <Id>
                                    <IBAN>DE35514304105000003029</IBAN>
                                </Id>
                                <Nm>SEPA Test Client2 EUR Account2</Nm>
                            </DbtrAcct>
                        </RltdPties>
                        <RltdAgts>
                            <DbtrAgt>
                                <FinInstnId>
                                    <BICFI>AGRIFRPPXXX</BICFI>
                                </FinInstnId>
                            </DbtrAgt>
                        </RltdAgts>
                        <RltdDts>
                            <IntrBkSttlmDt>2024-11-05</IntrBkSttlmDt>
                        </RltdDts>
                        <RtrInf>
                            <Rsn>
                                <Prtry>AC01</Prtry>
                            </Rsn>
                            <AddtlInf>Account number is invalid or missing.</AddtlInf>
                        </RtrInf>
                        <AddtlTxInf>Desc: Return From: NWUZJHT VSPPXO, Reason: "AC01", Return of Client Ref ID: GSW3KQRNSU, GS ID: SB2615403636387</AddtlTxInf>
                    </TxDtls>
                </NtryDtls>
            </Ntry>
            
            <!-- NEW ENTRY: SEPA DD CORE Collection -->
            <Ntry>
                <NtryRef>821387200</NtryRef>
                <Amt Ccy="EUR">4000.00</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <RvslInd>false</RvslInd>
                <Sts>
                    <Cd>BOOK</Cd>
                </Sts>
                <BookgDt>
                    <DtTm>2024-11-05T10:00:00.000Z</DtTm>
                </BookgDt>
                <ValDt>
                    <Dt>2024-11-05</Dt>
                </ValDt>
                <BkTxCd>
                    <Domn>
                        <Cd>PMNT</Cd>
                        <Fmly>
                            <Cd>IDDT</Cd>
                            <SubFmlyCd>ESDD</SubFmlyCd>
                        </Fmly>
                    </Domn>
                    <Prtry>
                        <Cd>SEPA DD CORE Collection</Cd>
                    </Prtry>
                </BkTxCd>
                <NtryDtls>
                    <TxDtls>
                        <Refs>
                            <MsgId>13658845</MsgId>
                            <AcctSvcrRef>SB2615303634244</AcctSvcrRef>
                            <PmtInfId>BP26153125145149</PmtInfId>
                            <EndToEndId>GSHKEUB1OWRWYPCLBNA</EndToEndId>
                            <TxId>SB2615303634244</TxId>
                            <MndtId>mndtid</MndtId>
                            <ClrSysRef>SDD-T260602000000000000000125145155</ClrSysRef>
                        </Refs>
                        <AmtDtls>
                            <InstdAmt>
                                <Amt Ccy="EUR">4000.00</Amt>
                            </InstdAmt>
                            <TxAmt>
                                <Amt Ccy="EUR">4000.00</Amt>
                            </TxAmt>
                        </AmtDtls>
                        <RltdPties>
                            <Dbtr>
                                <Pty>
                                    <Nm>SEPA Test Client1 EUR Account2</Nm>
                                </Pty>
                            </Dbtr>
                            <DbtrAcct>
                                <Id>
                                    <IBAN>FR7630006000011234567890189</IBAN>
                                </Id>
                                <Nm>SEPA Test Client1 EUR Account2</Nm>
                            </DbtrAcct>
                            <Cdtr>
                                <Pty>
                                    <Id>
                                        <PrvtId>
                                            <Othr>
                                                <Id>DE31ZZZ711200770363866409</Id>
                                            </Othr>
                                        </PrvtId>
                                    </Id>
                                </Pty>
                            </Cdtr>
                        </RltdPties>
                        <RltdAgts>
                            <DbtrAgt>
                                <FinInstnId>
                                    <BICFI>AGRIFRPPXXX</BICFI>
                                </FinInstnId>
                            </DbtrAgt>
                        </RltdAgts>
                        <RmtInf>
                            <Ustrd>Invoice PEL/ABC/131233 Dtd</Ustrd>
                        </RmtInf>
                        <RltdDts>
                            <IntrBkSttlmDt>2024-11-05</IntrBkSttlmDt>
                        </RltdDts>
                        <AddtlTxInf>Desc: Client Ref ID: TESTSDDBLR_12MR24_2, GS ID: BP26153125145149</AddtlTxInf>
                    </TxDtls>
                </NtryDtls>
            </Ntry>

            <!-- NEW ENTRY: SEPA DD CORE Payment -->
            <Ntry>
                <NtryRef>798338550</NtryRef>
                <Amt Ccy="EUR">50.00</Amt>
                <CdtDbtInd>DBIT</CdtDbtInd>
                <RvslInd>false</RvslInd>
                <Sts>
                    <Cd>BOOK</Cd>
                </Sts>
                <BookgDt>
                    <DtTm>2024-11-05T06:01:25.000Z</DtTm>
                </BookgDt>
                <ValDt>
                    <Dt>2024-11-05</Dt>
                </ValDt>
                <BkTxCd>
                    <Domn>
                        <Cd>PMNT</Cd>
                        <Fmly>
                            <Cd>RDDT</Cd>
                            <SubFmlyCd>ESDD</SubFmlyCd>
                        </Fmly>
                    </Domn>
                    <Prtry>
                        <Cd>SEPA DD CORE Payment</Cd>
                    </Prtry>
                </BkTxCd>
                <NtryDtls>
                    <TxDtls>
                        <Refs>
                            <MsgId>NCOR260422567515</MsgId>
                            <AcctSvcrRef>SB2611203161221</AcctSvcrRef>
                            <PmtInfId>GS0E5LG5HSW1U2X</PmtInfId>
                            <EndToEndId>GS0E5LG5HSW1U2Y</EndToEndId>
                            <TxId>SB2611203161221</TxId>
                            <MndtId>Creditor1/SEPATestClient1/M001</MndtId>
                            <ClrSysRef>GS0E5LG5HSW1U2Z</ClrSysRef>
                        </Refs>
                        <AmtDtls>
                            <InstdAmt>
                                <Amt Ccy="EUR">50.00</Amt>
                            </InstdAmt>
                            <TxAmt>
                                <Amt Ccy="EUR">50.00</Amt>
                            </TxAmt>
                        </AmtDtls>
                        <RltdPties>
                            <Cdtr>
                                <Pty>
                                    <Nm>Creditor 1</Nm>
                                </Pty>
                            </Cdtr>
                            <CdtrAcct>
                                <Id>
                                    <IBAN>FR7612345678900001234567858</IBAN>
                                </Id>
                                <Nm>Creditor 1</Nm>
                            </CdtrAcct>
                        </RltdPties>
                        <RltdAgts>
                            <CdtrAgt>
                                <FinInstnId>
                                    <BICFI>AGRIFRPP</BICFI>
                                </FinInstnId>
                            </CdtrAgt>
                        </RltdAgts>
                        <RltdDts>
                            <IntrBkSttlmDt>2024-11-05</IntrBkSttlmDt>
                        </RltdDts>
                        <AddtlTxInf>Desc: To: Creditor 1, Client Ref ID: GS0E5LG5HSW1U2Y, GS ID: SB2611203161221, Creditor Id: IT32ZZZ0000002119870208, Mandate Id: Creditor1/SEPATestClient1/M001</AddtlTxInf>
                    </TxDtls>
                </NtryDtls>
            </Ntry>

            <!-- NEW ENTRY: SEPA DD CORE Payment Return -->
            <Ntry>
                <NtryRef>805616200</NtryRef>
                <Amt Ccy="EUR">50.00</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <RvslInd>true</RvslInd>
                <Sts>
                    <Cd>BOOK</Cd>
                </Sts>
                <BookgDt>
                    <DtTm>2024-11-05T10:30:10.000Z</DtTm>
                </BookgDt>
                <ValDt>
                    <Dt>2024-11-05</Dt>
                </ValDt>
                <BkTxCd>
                    <Domn>
                        <Cd>PMNT</Cd>
                        <Fmly>
                            <Cd>RDDT</Cd>
                            <SubFmlyCd>UPDD</SubFmlyCd>
                        </Fmly>
                    </Domn>
                    <Prtry>
                        <Cd>SEPA DD CORE Payment Return</Cd>
                    </Prtry>
                </BkTxCd>
                <NtryDtls>
                    <TxDtls>
                        <Refs>
                            <AcctSvcrRef>SB2612403426513</AcctSvcrRef>
                            <PmtInfId>SX26112124327771</PmtInfId>
                            <EndToEndId>GS0E5LG5HSW1U2Y</EndToEndId>
                            <TxId>SB2611203161221</TxId>
                            <MndtId>Creditor1/SEPATestClient1/M001</MndtId>
                        </Refs>
                        <AmtDtls>
                            <InstdAmt>
                                <Amt Ccy="EUR">50.00</Amt>
                            </InstdAmt>
                            <TxAmt>
                                <Amt Ccy="EUR">50.00</Amt>
                            </TxAmt>
                        </AmtDtls>
                        <RltdPties>
                            <Dbtr>
                                <Nm>Creditor 1</Nm>
                            </Dbtr>
                            <DbtrAcct>
                                <Id>
                                    <IBAN>FR7612345678900001234567858</IBAN>
                                </Id>
                                <Nm>Creditor 1</Nm>
                            </DbtrAcct>
                        </RltdPties>
                        <RltdAgts>
                            <DbtrAgt>
                                <FinInstnId>
                                    <BIC>AGRIFRPP</BIC>
                                </FinInstnId>
                            </DbtrAgt>
                        </RltdAgts>
                        <RtrInf>
                            <Rsn>
                                <Prtry>AC01</Prtry>
                            </Rsn>
                            <AddtlInf>Account number is invalid or missing.</AddtlInf>
                        </RtrInf>
                        <AddtlTxInf>Desc: Return From: Creditor 1, Reason: "AC01", Return of Client Ref ID: GS0E5LG5HSW1U2Y, GS ID: SB2612403426513</AddtlTxInf>
                    </TxDtls>
                </NtryDtls>
            </Ntry>
        </Stmt>

        <!-- Statement 3: Escrow SEPA Instant -->
        <Stmt>
            <Id>11256915800</Id>
            <ElctrncSeqNb>401</ElctrncSeqNb>
            <LglSeqNb>401</LglSeqNb>
            <CreDtTm>2024-11-08T09:53:46.683Z</CreDtTm>
            <FrToDt>
                <FrDtTm>2024-11-05T00:00:00.000Z</FrDtTm>
                <ToDtTm>2024-11-05T23:59:59.000Z</ToDtTm>
            </FrToDt>
            <Acct>
                <Id>
                    <IBAN>DE29514304108000023890</IBAN>
                </Id>
                <Tp>
                    <Prtry>IBDA_DDA</Prtry>
                </Tp>
                <Ccy>EUR</Ccy>
                <Nm>Escrow SEPA Instant</Nm>
                <Svcr>
                    <FinInstnId>
                        <BICFI>ZYTADEF0</BICFI>
                        <Nm>Goldman Sachs Bank</Nm>
                    </FinInstnId>
                </Svcr>
            </Acct>
            <Bal>
                <Tp>
                    <CdOrPrtry>
                        <Cd>OPBD</Cd>
                    </CdOrPrtry>
                </Tp>
                <Amt Ccy="EUR">4200.00</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <Dt>
                    <DtTm>2024-11-04T23:59:00.000Z</DtTm>
                </Dt>
            </Bal>
            <Bal>
                <Tp>
                    <CdOrPrtry>
                        <Cd>OPAV</Cd>
                    </CdOrPrtry>
                </Tp>
                <Amt Ccy="EUR">0.00</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <Dt>
                    <DtTm>2024-11-04T23:59:00.000Z</DtTm>
                </Dt>
            </Bal>
            <Bal>
                <Tp>
                    <CdOrPrtry>
                        <Cd>CLBD</Cd>
                    </CdOrPrtry>
                </Tp>
                <Amt Ccy="EUR">4200.00</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <Dt>
                    <DtTm>2024-11-05T23:59:00.000Z</DtTm>
                </Dt>
            </Bal>
            <Bal>
                <Tp>
                    <CdOrPrtry>
                        <Cd>CLAV</Cd>
                    </CdOrPrtry>
                </Tp>
                <Amt Ccy="EUR">0.00</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <Dt>
                    <DtTm>2024-11-05T23:59:00.000Z</DtTm>
                </Dt>
            </Bal>
        </Stmt>
    </BkToCstmrStmt>
</Document>
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² Source: Goldman Sachs Asset Management, as of March 31, 2025.

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THIS MATERIAL DOES NOT CONSTITUTE AN OFFER OR SOLICITATION IN ANY JURISDICTION WHERE OR TO ANY PERSON TO WHOM IT WOULD BE UNAUTHORIZED OR UNLAWFUL TO DO SO. Prospective investors should inform themselves as to any applicable legal requirements and taxation and exchange control regulations in the countries of their citizenship, residence or domicile which might be relevant. This material is provided for informational purposes only and should not be construed as investment advice or an offer or solicitation to buy or sell securities. This material is not intended to be used as a general guide to investing, or as a source of any specific investment recommendations, and makes no implied or express recommendations concerning the manner in which any client's account should or would be handled, as appropriate investment strategies depend upon the client's investment objectives.

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European Economic Area (EEA): This marketing communication is disseminated by Goldman Sachs Asset Management B.V., including through its branches ("GSAM BV"). GSAM BV is authorised and regulated by the Dutch Authority for the Financial Markets (Autoriteit Financiële Markten, Vijzelgracht 50, 1017 HS Amsterdam, The Netherlands) as an alternative investment fund manager ("AIFM") as well as a manager of undertakings for collective investment in transferable securities ("UCITS"). Under its licence as an AIFM, the Manager is authorized to provide the investment services of (i) reception and transmission of orders in financial instruments; (ii) portfolio management; and (iii) investment advice. Under its licence as a manager of UCITS, the Manager is authorized to provide the investment services of (i) portfolio management; and (ii) investment advice.

Information about investor rights and collective redress mechanisms are available on www.gsam.com/responsible-investing (section Policies & Governance). Capital is at risk. Any claims arising out of or in connection with the terms and conditions of this disclaimer are governed by Dutch law.

To the extent it relates to custody activities, this financial promotion is disseminated by Goldman Sachs Bank Europe SE ("GSBE"), including through its authorised branches. GSBE is a credit institution incorporated in Germany and, within the Single Supervisory Mechanism established between those Member States of the European Union whose official currency is the Euro, subject to direct prudential supervision by the European Central Bank (Sonnemannstrasse 20, 60314 Frankfurt am Main, Germany) and in other respects supervised by German Federal Financial Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht, BaFin) (Graurheindorfer Straße 108, 53117 Bonn, Germany; website: www.bafin.de) and Deutsche Bundesbank (Hauptverwaltung Frankfurt, Taunusanlage 5, 60329 Frankfurt am Main, Germany).

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Asia excluding Japan: Please note that neither Goldman Sachs Asset Management (Hong Kong) Limited ("GSAMHK") or Goldman Sachs Asset Management (Singapore) Pte. Ltd. (Company Number: 201329851H ) ("GSAMS") nor any other entities involved in the Goldman Sachs Asset Management business that provide this material and information maintain any licenses, authorizations or registrations in Asia (other than Japan), except that it conducts businesses (subject to applicable local regulations) in and from the following jurisdictions: Hong Kong, Singapore, India and China. This material has been issued for use in or from Hong Kong by Goldman Sachs Asset Management (Hong Kong) Limited and in or from Singapore by Goldman Sachs Asset Management (Singapore) Pte. Ltd. (Company Number: 201329851H).

Australia: This material is distributed by Goldman Sachs Asset Management Australia Pty Ltd ABN 41 006 099 681, AFSL 228948 (‘GSAMA’) and is intended for viewing only by wholesale clients for the purposes of section 761G of the Corporations Act 2001 (Cth). This document may not be distributed to retail clients in Australia (as that term is defined in the Corporations Act 2001 (Cth)) or to the general public. This document may not be reproduced or distributed to any person without the prior consent of GSAMA. To the extent that this document contains any statement which may be considered to be financial product advice in Australia under the Corporations Act 2001 (Cth), that advice is intended to be given to the intended recipient of this document only, being a wholesale client for the purposes of the Corporations Act 2001 (Cth). Any advice provided in this document is provided by either of the following entities. They are exempt from the requirement to hold an Australian financial services licence under the Corporations Act of Australia and therefore do not hold any Australian Financial Services Licences, and are regulated under their respective laws applicable to their jurisdictions, which differ from Australian laws. Any financial services given to any person by these entities by distributing this document in Australia are provided to such persons pursuant to the respective ASIC Class Orders and ASIC Instrument mentioned below.

  • Goldman Sachs Asset Management, LP (GSAMLP), Goldman Sachs & Co. LLC (GSCo), pursuant ASIC Class Order 03/1100; regulated by the US Securities and Exchange Commission under US laws.
  • Goldman Sachs Asset Management International (GSAMI), Goldman Sachs International (GSI), pursuant to ASIC Class Order 03/1099; regulated by the Financial Conduct Authority; GSI is also authorized by the Prudential Regulation Authority, and both entities are under UK laws.
  • Goldman Sachs Asset Management (Singapore) Pte. Ltd. (GSAMS), pursuant to ASIC Class Order 03/1102; regulated by the Monetary Authority of Singapore under Singaporean laws
  • Goldman Sachs Asset Management (Hong Kong) Limited (GSAMHK), pursuant to ASIC Class Order 03/1103 and Goldman Sachs (Asia) LLC (GSALLC), pursuant to ASIC Instrument 04/0250; regulated by the Securities and Futures Commission of Hong Kong under Hong Kong laws

No offer to acquire any interest in a fund or a financial product is being made to you in this document. If the interests or financial products do become available in the future, the offer may be arranged by GSAMA in accordance with section 911A(2)(b) of the Corporations Act. GSAMA holds Australian Financial Services Licence No. 228948. Any offer will only be made in circumstances where disclosure is not required under Part 6D.2 of the Corporations Act or a product disclosure statement is not required to be given under Part 7.9 of the Corporations Act (as relevant).

FOR DISTRIBUTION ONLY TO FINANCIAL INSTITUTIONS, FINANCIAL SERVICES LICENSEES AND THEIR ADVISERS. NOT FOR VIEWING BY RETAIL CLIENTS OR MEMBERS OF THE GENERAL PUBLIC

Canada: This presentation has been communicated in Canada by GSAM LP, which is registered as a portfolio manager under securities legislation in all provinces of Canada and as a commodity trading manager under the commodity futures legislation of Ontario and as a derivatives adviser under the derivatives legislation of Quebec. GSAM LP is not registered to provide investment advisory or portfolio management services in respect of exchange-traded futures or options contracts in Manitoba and is not offering to provide such investment advisory or portfolio management services in Manitoba by delivery of this material.

Japan: This material has been issued or approved in Japan for the use of professional investors defined in Article 2 paragraph (31) of the Financial Instruments and Exchange Law ("FIEL"). Also, any description regarding investment strategies on or funds as collective investment scheme under Article 2 paragraph (2) item 5 or item 6 of FIEL has been approved only for Qualified Institutional Investors defined in Article 10 of Cabinet Office Ordinance of Definitions under Article 2 of FIEL.

Interest Rate Benchmark Transition Risks: This transaction may require payments or calculations to be made by reference to a benchmark rate ("Benchmark"), which will likely soon stop being published and be replaced by an alternative rate, or will be subject to substantial reform. These changes could have unpredictable and material consequences to the value, price, cost and/or performance of this transaction in the future and create material economic mismatches if you are using this transaction for hedging or similar purposes. Goldman Sachs may also have rights to exercise discretion to determine a replacement rate for the Benchmark for this transaction, including any price or other adjustments to account for differences between the replacement rate and the Benchmark, and the replacement rate and any adjustments we select may be inconsistent with, or contrary to, your interests or positions. Other material risks related to Benchmark reform can be found at https://www.gs.com/interest-rate-benchmark-transition-notice. Goldman Sachs cannot provide any assurances as to the materialization, consequences, or likely costs or expenses associated with any of the changes or risks arising from Benchmark reform, though they may be material. You are encouraged to seek independent legal, financial, tax, accounting, regulatory, or other appropriate advice on how changes to the Benchmark could impact this transaction.

Confidentiality: No part of this material may, without GSAM's prior written consent, be (i) copied, photocopied or duplicated in any form, by any means, or (ii) distributed to any person that is not an employee, officer, director, or authorized agent of the recipient.

GSAM Services Private Limited (formerly Goldman Sachs Asset Management (India) Private Limited) acts as the Investment Advisor, providing non-binding non-discretionary investment advice to dedicated offshore mandates, involving Indian and overseas securities, managed by GSAM entities based outside India. Members of the India team do not participate in the investment decision making process.

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