Appendix 1

Direct Post API

AVS Response Codes

XExact match, 9-character numeric ZIP
YExact match, 5-character numeric ZIP
DExact match, 5-character numeric ZIP
MExact match, 5-character numeric ZIP
AAddress match only
BAddress match only
W9-character numeric ZIP match only
Z5-character ZIP match only
P5-character ZIP match only
L5-character ZIP match only
NNo address or ZIP match only
CNo address or ZIP match only
UAddress unavailable
GNon-U.S. issuer does not participate
INon-U.S. issuer does not participate
RIssuer system unavailable
ENot a mail/phone order
SService not supported
OAVS not available
BAVS not available