# BeginSession

The sample below reflects a BeginSession request.

## Request

    <?xml version="1.0" encoding="UTF-8"?>
    <soap:Envelope xmlns:soap="http://www.w3.org/2003/05/soap-envelope" xmlns:v2="http://www.wolterskluwerfs.com/2014/05/DocServices/V2" xmlns:doc="http://www.wolterskluwerfs.com/Osprey/DocViewerInterface" xmlns:arr="http://schemas.microsoft.com/2003/10/Serialization/Arrays">
       <soap:Header/>
       <soap:Body>
          <v2:BeginSession>
             <!--Optional:-->
             <v2:accountId>9</v2:accountId>
             <!--Optional:-->
             <v2:txn><![CDATA[[<?xml version="1.0" encoding="utf-16"?><Txn xmlns="http://schemas.bankerssystems.com/2004/ExpereTxn">
                   <Deposit>
                      <Accounts>
                         <Account index="1">
                            <AccountAgreementID>1</AccountAgreementID>
                            <AccountIdentifier>33220008</AccountIdentifier>
                            <AccountPurposeType>1</AccountPurposeType>
                            <AccountTitle>Mary E. Smith or William J. Smith</AccountTitle>
                            <AccountType>1</AccountType>
                            <CheckWritingCapabilitiesInd>1</CheckWritingCapabilitiesInd>
                            <DisclosureCommonFeaturesInd>1</DisclosureCommonFeaturesInd>
                            <DisclosureElectronicFundsTransferInd>1</DisclosureElectronicFundsTransferInd>
                            <DisclosureFundsAvailabilityInd>1</DisclosureFundsAvailabilityInd>
                            <DisclosurePrivacyInd>1</DisclosurePrivacyInd>
                            <DisclosureSubstituteChecksInd>1</DisclosureSubstituteChecksInd>
                            <DisclosureTermsAndConditionsInd>1</DisclosureTermsAndConditionsInd>
                            <DisclosureTruthInSavingsInd>1</DisclosureTruthInSavingsInd>
                            <DisclosureType>1</DisclosureType>
                            <EarningsType>2</EarningsType>
                            <Holders>
                               <Holder index="1">
                                  <AccountAddressInd>1</AccountAddressInd>
                                  <BirthDate>19530403</BirthDate>
                                  <EmailAddress>mary34456@aol.com</EmailAddress>
                                  <EmployerCity>St Louis</EmployerCity>
                                  <EmployerName>Kohl's,</EmployerName>
                                  <EmployerState>MO</EmployerState>
                                  <FirstName>Mary</FirstName>
                                  <IdentificationItems>
                                     <IdentificationItem index="1">
                                        <IdentificationExpirationDate>20080403</IdentificationExpirationDate>
                                        <IdentificationIssuedDate>20010325</IdentificationIssuedDate>
                                        <IdentificationType>1</IdentificationType>
                                        <Identifier>B00205</Identifier>
                                        <IssuedByType>MO</IssuedByType>
                                     </IdentificationItem>
                                  </IdentificationItems>
                                  <LastName>Smith</LastName>
                                  <MailingAddressCity>St Louis</MailingAddressCity>
                                  <MailingAddressDifferentInd>0</MailingAddressDifferentInd>
                                  <MailingAddressPostalCode>63106</MailingAddressPostalCode>
                                  <MailingAddressState>MO</MailingAddressState>
                                  <MailingStreetAddress>345 Elm St</MailingStreetAddress>
                                  <MiddleName>Ellen</MiddleName>
                                  <PartyType>1</PartyType>
                                  <PermanentAddressCity>St. Louis</PermanentAddressCity>
                                  <PermanentAddressPostalCode>63106</PermanentAddressPostalCode>
                                  <PermanentAddressState>MO</PermanentAddressState>
                                  <PermanentStreetAddress>345 Elm St</PermanentStreetAddress>
                                  <PersonalAgentInd>0</PersonalAgentInd>
                                  <Phones>
                                     <Phone index="1">
                                        <Desc>Home</Desc>
                                        <PhoneNumber>314-334-6612</PhoneNumber>
                                     </Phone>
                                     <Phone index="2">
                                        <Desc>Work</Desc>
                                        <PhoneNumber>417-670-1213</PhoneNumber>
                                     </Phone>
                                     <Phone index="3">
                                        <Desc>Cellular Phone</Desc>
                                        <PhoneNumber>573-670-8899</PhoneNumber>
                                     </Phone>
                                  </Phones>
                                  <PowerOfAttorneyAgents>
                                     <Agent index="1">
                                        <FirstName>Amy</FirstName>
                                        <LastName>Hansen</LastName>
                                        <MiddleName>Lynn</MiddleName>
                                        <FormPowerOfAttorneyInd>1</FormPowerOfAttorneyInd>
                                        <PowerOfAttorneyAgreementID>POA Ag ID</PowerOfAttorneyAgreementID>
                                        <AgentID>Agent1</AgentID>
                                        <PermanentAddressCity>St. Louis</PermanentAddressCity>
                                        <PermanentAddressPostalCode>63015</PermanentAddressPostalCode>
                                        <PermanentAddressState>MO</PermanentAddressState>
                                        <PermanentStreetAddress>3910 Washington Blvd.</PermanentStreetAddress>
                                        <Phones>
                                           <Phone index="1">
                                              <Desc>Home</Desc>
                                              <PhoneNumber>314-223-1212</PhoneNumber>
                                           </Phone>
                                        </Phones>
                                        <IdentificationItems>
                                           <IdentificationItem index="1">
                                              <IdentificationExpirationDate>20110415</IdentificationExpirationDate>
                                              <IdentificationType>1</IdentificationType>
                                              <IdentificationIssuedDate>20070430</IdentificationIssuedDate>
                                              <IssuedByType>MO</IssuedByType>
                                              <Identifier>H-32312445</Identifier>
                                           </IdentificationItem>
                                        </IdentificationItems>
                                        <BirthDate>19700508</BirthDate>
                                        <SSN>125-95-7885</SSN>
                                        <RelationshipDesc>Attorney in Fact</RelationshipDesc>
                                        <AlternateSignatureDesc>Attorney in Fact</AlternateSignatureDesc>
                                     </Agent>
                                  </PowerOfAttorneyAgents>
                                  <PreviousFinancialInstitutionDesc>US Bank</PreviousFinancialInstitutionDesc>
                                  <RelationshipDesc>Owner</RelationshipDesc>
                                  <SSN>134-56-7889</SSN>
                                  <EmployerPostalCode>63106</EmployerPostalCode>
                                  <BackupWithholdingTaxIdentifierCorrectInd>1</BackupWithholdingTaxIdentifierCorrectInd>
                                  <BackupWithholdingTaxPayerIdentificationNumberInd>1</BackupWithholdingTaxPayerIdentificationNumberInd>
                                  <ID>1</ID>
                                  <CardTransactionLimitationAmount>1000</CardTransactionLimitationAmount>
                                  <CardTransactionLimitationFrequencyDesc>per 24 hours</CardTransactionLimitationFrequencyDesc>
                                  <CardTransactionLimitationTypeDesc>Debit (ATM, point of sale)</CardTransactionLimitationTypeDesc>
                                  <BackupWithholdingNotApplicableInd>1</BackupWithholdingNotApplicableInd>
                                  <FormAutomaticDepositToMultipleAccountsAccount2CreditedInstitutionCity>St. Louis</FormAutomaticDepositToMultipleAccountsAccount2CreditedInstitutionCity>
                                  <FormAutomaticDepositToMultipleAccountsAccount2CreditedInstitutionName>First Missouri Bank, N.A.</FormAutomaticDepositToMultipleAccountsAccount2CreditedInstitutionName>
                                  <FormAutomaticDepositToMultipleAccountsAccount2CreditedInstitutionPhoneNumber>314-240-4123</FormAutomaticDepositToMultipleAccountsAccount2CreditedInstitutionPhoneNumber>
                                  <FormAutomaticDepositToMultipleAccountsAccount2CreditedInstitutionRoutingNumber>081021971</FormAutomaticDepositToMultipleAccountsAccount2CreditedInstitutionRoutingNumber>
                                  <FormAutomaticDepositToMultipleAccountsAccount2CreditedInstitutionState>MO</FormAutomaticDepositToMultipleAccountsAccount2CreditedInstitutionState>
                                  <FormAutomaticDepositToMultipleAccountsAccount2Identifier>80001235</FormAutomaticDepositToMultipleAccountsAccount2Identifier>
                                  <FormAutomaticDepositToMultipleAccountsAccount2Title>William J. Smith</FormAutomaticDepositToMultipleAccountsAccount2Title>
                                  <FormAutomaticDepositToMultipleAccountsAccount2Type>2</FormAutomaticDepositToMultipleAccountsAccount2Type>
                                  <FormAutomaticDepositToMultipleAccountsInd>1</FormAutomaticDepositToMultipleAccountsInd>
                                  <FormAutomaticDepositToMultipleAccountsType>1</FormAutomaticDepositToMultipleAccountsType>
                                  <FormAutomaticDepositToMultipleAccountsAccount1CreditTypeSpecifiedDesc>$200.00</FormAutomaticDepositToMultipleAccountsAccount1CreditTypeSpecifiedDesc>
                                  <FormAutomaticDepositToMultipleAccountsAccount1CreditType>1</FormAutomaticDepositToMultipleAccountsAccount1CreditType>
                                  <FormAutomaticDepositToMultipleAccountsCompanyName>Kohl's Department Store</FormAutomaticDepositToMultipleAccountsCompanyName>
                                  <FormAutomaticDepositToMultipleAccountsAccount2CreditType>2</FormAutomaticDepositToMultipleAccountsAccount2CreditType>
                               </Holder>
                               <Holder index="2">
                                  <AccountAddressInd>1</AccountAddressInd>
                                  <BirthDate>19480507</BirthDate>
                                  <EmailAddress>william43356@hotmail.com</EmailAddress>
                                  <EmployerCity>St Louis</EmployerCity>
                                  <EmployerName>Scheels,</EmployerName>
                                  <EmployerState>MO</EmployerState>
                                  <FirstName>William</FirstName>
                                  <IdentificationItems>
                                     <IdentificationItem index="1">
                                        <IdentificationExpirationDate>20100507</IdentificationExpirationDate>
                                        <IdentificationIssuedDate>20060503</IdentificationIssuedDate>
                                        <IdentificationType>1</IdentificationType>
                                        <Identifier>L224063</Identifier>
                                        <IssuedByType>MO</IssuedByType>
                                     </IdentificationItem>
                                  </IdentificationItems>
                                  <LastName>Smith</LastName>
                                  <MailingAddressCity>St Louis</MailingAddressCity>
                                  <MailingAddressDifferentInd>1</MailingAddressDifferentInd>
                                  <MailingAddressPostalCode>63106</MailingAddressPostalCode>
                                  <MailingAddressState>MO</MailingAddressState>
                                  <MailingStreetAddress>123 Main St.</MailingStreetAddress>
                                  <MiddleName>John</MiddleName>
                                  <PartyType>1</PartyType>
                                  <PermanentAddressCity>St. Louis</PermanentAddressCity>
                                  <PermanentAddressPostalCode>63106</PermanentAddressPostalCode>
                                  <PermanentAddressState>MO</PermanentAddressState>
                                  <PermanentStreetAddress>345 Elm St.</PermanentStreetAddress>
                                  <PersonalAgentInd>0</PersonalAgentInd>
                                  <Phones>
                                     <Phone index="1">
                                        <Desc>Home</Desc>
                                        <PhoneNumber>314-334-6612</PhoneNumber>
                                     </Phone>
                                     <Phone index="2">
                                        <Desc>Work</Desc>
                                        <PhoneNumber>314-229-1819</PhoneNumber>
                                     </Phone>
                                     <Phone index="3">
                                        <Desc>Cellular Phone</Desc>
                                        <PhoneNumber>573-670-8898</PhoneNumber>
                                     </Phone>
                                  </Phones>
                                  <PreviousFinancialInstitutionDesc>Wells Fargo</PreviousFinancialInstitutionDesc>
                                  <RelationshipDesc>Owner</RelationshipDesc>
                                  <SSN>134-44-7223</SSN>
                                  <EmployerPostalCode>63106</EmployerPostalCode>
                                  <ID>2</ID>
                                  <CardTransactionLimitationAmount>200</CardTransactionLimitationAmount>
                                  <CardTransactionLimitationFrequencyDesc>per business day</CardTransactionLimitationFrequencyDesc>
                                  <CardTransactionLimitationTypeDesc>ATM withdrawal</CardTransactionLimitationTypeDesc>
                               </Holder>
                            </Holders>
                            <InitialDepositAmount>500</InitialDepositAmount>
                            <InitialDepositSourceType>1</InitialDepositSourceType>
                            <InternalUseDesc>33220008</InternalUseDesc>
                            <OwnershipType>2</OwnershipType>
                            <PeriodicStatementChecksInd>1</PeriodicStatementChecksInd>
                            <ProductDesc>NOW Account</ProductDesc>
                            <ServicesRequested>
                               <ServiceRequested index="1">
                                  <Type>2</Type>
                                  <HolderIdRefs>1 2</HolderIdRefs>
                                  <AdditionalAccountDesc>Savings</AdditionalAccountDesc>
                                  <AdditionalAccountIdentifier>80001235</AdditionalAccountIdentifier>
                                  <DisclosureElectronicFundsTransferInd>0</DisclosureElectronicFundsTransferInd>
                                  <CardsRequestedNumber>2</CardsRequestedNumber>
                               </ServiceRequested>
                            </ServicesRequested>
                            <TCPaymentOrderInd>1</TCPaymentOrderInd>
                            <TCSection326Ind>0</TCSection326Ind>
                            <WithdrawalRequiredSignaturesNumber>1</WithdrawalRequiredSignaturesNumber>
                            <CompoundingFrequencyPolicyType>1</CompoundingFrequencyPolicyType>
                            <CompoundingFrequencyType>1</CompoundingFrequencyType>
                            <EarningsDetailType>1</EarningsDetailType>
                            <InterestPaymentFrequencyType>monthly</InterestPaymentFrequencyType>
                            <InterestPaymentPolicyFrequencyType>monthly</InterestPaymentPolicyFrequencyType>
                            <InterestPaymentProcedurePolicyType>1</InterestPaymentProcedurePolicyType>
                            <InterestPaymentProcedureType>1</InterestPaymentProcedureType>
                            <InterestRate>1.50</InterestRate>
                            <InterestRateType>2</InterestRateType>
                            <RateDetailType>1</RateDetailType>
                            <SubAccountType>1</SubAccountType>
                            <BalanceComputationType>2</BalanceComputationType>
                            <APYRate>1.51</APYRate>
                            <NoncashAccrualType>1</NoncashAccrualType>
                            <MinimumBalanceRequirementsInd>1</MinimumBalanceRequirementsInd>
                            <DepositLimitationType>1</DepositLimitationType>
                            <BalanceComputationAverageDailyPeriodType>4</BalanceComputationAverageDailyPeriodType>
                            <TruthInSavingsPolicyName>NOW ACCOUNT</TruthInSavingsPolicyName>
                            <BackupWithholdingInAgreementInd>1</BackupWithholdingInAgreementInd>
                            <OverdraftConsentInd>1</OverdraftConsentInd>
                            <AccountAgreementDate>20080101</AccountAgreementDate>
                            <PayOnDeathType>0</PayOnDeathType>
                            <TCPowerOfAttorneyInd>1</TCPowerOfAttorneyInd>
                            <TCDepositInsuranceInd>1</TCDepositInsuranceInd>
                            <TCDepositInsuranceType>1</TCDepositInsuranceType>
                            <BackupWithholdingInAgreementType>1</BackupWithholdingInAgreementType>
                            <RegEOptInHolderIDRef>1</RegEOptInHolderIDRef>
                            <InterestRatePeriodType>8</InterestRatePeriodType>
                            <MinimumBalanceEarnRateInd>1</MinimumBalanceEarnRateInd>
                            <MinimumBalanceEarnRateAverageDailyBalanceAmount>500</MinimumBalanceEarnRateAverageDailyBalanceAmount>
                            <MinimumBalanceEarnRateAverageDailyBalanceInd>1</MinimumBalanceEarnRateAverageDailyBalanceInd>
                            <MinimumBalanceFeesInd>1</MinimumBalanceFeesInd>
                            <MinimumBalanceFees>
                               <MinimumBalanceFee index="1">
                                  <BalanceComputationType>2</BalanceComputationType>
                                  <BalanceType>1</BalanceType>
                                  <PeriodType>999</PeriodType>
                                  <PeriodTypeOtherDesc>monthly statement cycle</PeriodTypeOtherDesc>
                                  <BalanceAverageDailyAmount>500</BalanceAverageDailyAmount>
                                  <NameDesc>minimum balance fee</NameDesc>
                                  <FeeAmount>2.00</FeeAmount>
                               </MinimumBalanceFee>
                            </MinimumBalanceFees>
                            <TCPaymentOrderStandardTextDesc>Our policy is to process debit card, phone and online banking transfers first - individually, at the actual time they are conducted. We process ATM withdrawals and transfers second - in the order in which they are received for the day on which they are processed. We process ACH transactions third - in numerical order for the day on which they are processed. We process checks and similar items fourth - according to the dollar amount, with the smallest items being processed first for the day on which they are processed.</TCPaymentOrderStandardTextDesc>
                            <TCLiabilityInd>1</TCLiabilityInd>
                            <TCDepositsInd>1</TCDepositsInd>
                            <TCWithdrawalsInd>1</TCWithdrawalsInd>
                            <TCStopPaymentsInd>1</TCStopPaymentsInd>
                            <TCTelephoneTransfersInd>1</TCTelephoneTransfersInd>
                            <TCAmendmentsTerminationInd>1</TCAmendmentsTerminationInd>
                            <TCStatementsInd>1</TCStatementsInd>
                            <TCAccountTransferInd>1</TCAccountTransferInd>
                            <TCDirectDepositsInd>1</TCDirectDepositsInd>
                            <TCSetoffRightRepaymentIndebtednessInd>1</TCSetoffRightRepaymentIndebtednessInd>
                            <TCRestrictiveLegendsInd>1</TCRestrictiveLegendsInd>
                            <TCFacsimileSignaturesInd>1</TCFacsimileSignaturesInd>
                            <TCTemporaryAccountAgreementInd>1</TCTemporaryAccountAgreementInd>
                            <TCCheckProcessingInd>1</TCCheckProcessingInd>
                            <TCCheckCashingInd>1</TCCheckCashingInd>
                            <TCTruncationSubstituteChecksInd>1</TCTruncationSubstituteChecksInd>
                            <TCRemotelyCreatedChecksInd>1</TCRemotelyCreatedChecksInd>
                            <TCOwnershipInd>1</TCOwnershipInd>
                            <TCAgencyDesignationInd>1</TCAgencyDesignationInd>
                            <TCACHWireTransfersInd>1</TCACHWireTransfersInd>
                            <TCIndorsementsInd>1</TCIndorsementsInd>
                            <TCAddressNameChangeInd>1</TCAddressNameChangeInd>
                            <TCClaimOfLossInd>1</TCClaimOfLossInd>
                            <TCCreditVerificationInd>1</TCCreditVerificationInd>
                            <TCDeathOrIncompetenceInd>1</TCDeathOrIncompetenceInd>
                            <TCEarlyWithdrawalPenaltiesInd>1</TCEarlyWithdrawalPenaltiesInd>
                            <TCFiduciaryAccountsInd>1</TCFiduciaryAccountsInd>
                            <TCLegalActionsInd>1</TCLegalActionsInd>
                            <TCSecurityInd>1</TCSecurityInd>
                            <TCTelephonicInstructionsInd>1</TCTelephonicInstructionsInd>
                            <TCWaiverOfNoticesAppliesInd>1</TCWaiverOfNoticesAppliesInd>
                         </Account>
                         <Account index="2">
                            <AccountAgreementID>1</AccountAgreementID>
                            <AccountIdentifier>80001235</AccountIdentifier>
                            <AccountPurposeType>1</AccountPurposeType>
                            <AccountTitle>Mary E. Smith or William J. Smith</AccountTitle>
                            <AccountType>2</AccountType>
                            <CheckWritingCapabilitiesInd>0</CheckWritingCapabilitiesInd>
                            <DisclosureElectronicFundsTransferInd>1</DisclosureElectronicFundsTransferInd>
                            <DisclosureFundsAvailabilityInd>1</DisclosureFundsAvailabilityInd>
                            <DisclosurePrivacyInd>1</DisclosurePrivacyInd>
                            <DisclosureSubstituteChecksInd>1</DisclosureSubstituteChecksInd>
                            <DisclosureTermsAndConditionsInd>1</DisclosureTermsAndConditionsInd>
                            <DisclosureTruthInSavingsInd>1</DisclosureTruthInSavingsInd>
                            <DisclosureType>1</DisclosureType>
                            <EarningsType>2</EarningsType>
                            <Holders>
                               <Holder index="1">
                                  <AccountAddressInd>1</AccountAddressInd>
                                  <BirthDate>19530403</BirthDate>
                                  <EmailAddress>mary34456@aol.com</EmailAddress>
                                  <EmployerCity>St Louis</EmployerCity>
                                  <EmployerName>Kohl's,</EmployerName>
                                  <EmployerState>MO</EmployerState>
                                  <FirstName>Mary</FirstName>
                                  <IdentificationItems>
                                     <IdentificationItem index="1">
                                        <IdentificationExpirationDate>20080403</IdentificationExpirationDate>
                                        <IdentificationIssuedDate>20010325</IdentificationIssuedDate>
                                        <IdentificationType>1</IdentificationType>
                                        <IssuedByType>MO</IssuedByType>
                                        <Identifier>B00205</Identifier>
                                     </IdentificationItem>
                                  </IdentificationItems>
                                  <LastName>Smith</LastName>
                                  <MailingAddressCity>St Louis</MailingAddressCity>
                                  <MailingAddressDifferentInd>0</MailingAddressDifferentInd>
                                  <MailingAddressPostalCode>63106</MailingAddressPostalCode>
                                  <MailingAddressState>MO</MailingAddressState>
                                  <MailingStreetAddress>345 Elm St</MailingStreetAddress>
                                  <MiddleName>Ellen</MiddleName>
                                  <PartyType>1</PartyType>
                                  <PermanentAddressCity>St. Louis</PermanentAddressCity>
                                  <PermanentAddressPostalCode>63106</PermanentAddressPostalCode>
                                  <PermanentAddressState>MO</PermanentAddressState>
                                  <PermanentStreetAddress>345 Elm St</PermanentStreetAddress>
                                  <Phones>
                                     <Phone index="1">
                                        <Desc>Home</Desc>
                                        <PhoneNumber>314-334-6612</PhoneNumber>
                                     </Phone>
                                     <Phone index="2">
                                        <Desc>Work</Desc>
                                        <PhoneNumber>417-670-1213</PhoneNumber>
                                     </Phone>
                                     <Phone index="3">
                                        <Desc>Cellular Phone</Desc>
                                        <PhoneNumber>573-670-8899</PhoneNumber>
                                     </Phone>
                                  </Phones>
                                  <PreviousFinancialInstitutionDesc>US Bank</PreviousFinancialInstitutionDesc>
                                  <RelationshipDesc>Owner</RelationshipDesc>
                                  <SSN>134-56-7889</SSN>
                                  <EmployerPostalCode>63106</EmployerPostalCode>
                                  <ID>1</ID>
                               </Holder>
                               <Holder index="2">
                                  <AccountAddressInd>1</AccountAddressInd>
                                  <BirthDate>19480507</BirthDate>
                                  <EmailAddress>william43356@hotmail.com</EmailAddress>
                                  <EmployerCity>St Louis</EmployerCity>
                                  <EmployerName>Scheels,</EmployerName>
                                  <EmployerState>MO</EmployerState>
                                  <FirstName>William</FirstName>
                                  <IdentificationItems>
                                     <IdentificationItem index="1">
                                        <IdentificationExpirationDate>20100507</IdentificationExpirationDate>
                                        <IdentificationIssuedDate>20060503</IdentificationIssuedDate>
                                        <IdentificationType>1</IdentificationType>
                                     </IdentificationItem>
                                  </IdentificationItems>
                                  <LastName>Smith</LastName>
                                  <MailingAddressCity>St Louis</MailingAddressCity>
                                  <MailingAddressDifferentInd>1</MailingAddressDifferentInd>
                                  <MailingAddressPostalCode>63106</MailingAddressPostalCode>
                                  <MailingAddressState>MO</MailingAddressState>
                                  <MailingStreetAddress>123 Main St.</MailingStreetAddress>
                                  <MiddleName>John</MiddleName>
                                  <PartyType>1</PartyType>
                                  <PermanentAddressCity>St. Louis</PermanentAddressCity>
                                  <PermanentAddressPostalCode>63106</PermanentAddressPostalCode>
                                  <PermanentAddressState>MO</PermanentAddressState>
                                  <PermanentStreetAddress>345 Elm St.</PermanentStreetAddress>
                                  <Phones>
                                     <Phone index="1">
                                        <Desc>Home</Desc>
                                        <PhoneNumber>314-334-6612</PhoneNumber>
                                     </Phone>
                                     <Phone index="2">
                                        <Desc>Work</Desc>
                                        <PhoneNumber>314-229-1819</PhoneNumber>
                                     </Phone>
                                     <Phone index="3">
                                        <Desc>Cellular Phone</Desc>
                                        <PhoneNumber>573-670-8898</PhoneNumber>
                                     </Phone>
                                  </Phones>
                                  <PreviousFinancialInstitutionDesc>Wells Fargo</PreviousFinancialInstitutionDesc>
                                  <RelationshipDesc>Owner</RelationshipDesc>
                                  <SSN>134-44-7223</SSN>
                                  <EmployerPostalCode>63106</EmployerPostalCode>
                                  <ID>2</ID>
                                  <FormFederalDirectDepositBenefitCheckIdentifier>080456</FormFederalDirectDepositBenefitCheckIdentifier>
                                  <FormFederalDirectDepositBenefitClaimIdentifier>123456</FormFederalDirectDepositBenefitClaimIdentifier>
                                  <FormFederalDirectDepositBenefitPaymentAmount>2100.50</FormFederalDirectDepositBenefitPaymentAmount>
                                  <FormFederalDirectDepositBenefitType>1</FormFederalDirectDepositBenefitType>
                                  <FormFederalDirectDepositInd>1</FormFederalDirectDepositInd>
                                  <FormFederalDirectDepositPrintBlankAuthorizationInd/>
                                  <FormFederalDirectDepositRepresentativePayeeFullName/>
                                  <FormFederalDirectDepositRepresentativePayeeInd/>
                                  <FormFederalDirectDepositJointAuthorizerName>Mary E. Smith</FormFederalDirectDepositJointAuthorizerName>
                               </Holder>
                            </Holders>
                            <InitialDepositAmount>1000</InitialDepositAmount>
                            <InitialDepositSourceType>2</InitialDepositSourceType>
                            <InternalUseDesc>NAL</InternalUseDesc>
                            <OwnershipType>2</OwnershipType>
                            <PeriodicStatementChecksInd>1</PeriodicStatementChecksInd>
                            <ProductDesc>Savings Account</ProductDesc>
                            <WithdrawalRequiredSignaturesNumber>1</WithdrawalRequiredSignaturesNumber>
                            <CompoundingFrequencyPolicyType>1</CompoundingFrequencyPolicyType>
                            <CompoundingFrequencyType>1</CompoundingFrequencyType>
                            <EarningsDetailType>1</EarningsDetailType>
                            <InterestPaymentFrequencyType>monthly</InterestPaymentFrequencyType>
                            <InterestPaymentPolicyFrequencyType>monthly</InterestPaymentPolicyFrequencyType>
                            <InterestPaymentProcedurePolicyType>1</InterestPaymentProcedurePolicyType>
                            <InterestPaymentProcedureType>1</InterestPaymentProcedureType>
                            <InterestRate>2.66</InterestRate>
                            <InterestRateType>1</InterestRateType>
                            <RateDetailType>1</RateDetailType>
                            <BalanceComputationType>2</BalanceComputationType>
                            <APYRate>2.70</APYRate>
                            <NoncashAccrualType>1</NoncashAccrualType>
                            <MinimumBalanceRequirementsInd>0</MinimumBalanceRequirementsInd>
                            <DepositLimitationType>1</DepositLimitationType>
                            <BalanceComputationAverageDailyPeriodType>4</BalanceComputationAverageDailyPeriodType>
                            <TruthInSavingsPolicyName>SAVINGS ACCOUNT</TruthInSavingsPolicyName>
                            <BackupWithholdingInAgreementInd>1</BackupWithholdingInAgreementInd>
                            <OverdraftConsentInd>1</OverdraftConsentInd>
                            <AccountAgreementDate>20080101</AccountAgreementDate>
                            <RegDLimitsDesc>During any calendar month, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, or by check, draft, debit card or similar order to a third party. If you exceed these transfer limitations, your account will be subject to closure by the financial institution.</RegDLimitsDesc>
                            <RegDLimitsInd>1</RegDLimitsInd>
                            <PayOnDeathType>0</PayOnDeathType>
                         </Account>
                         <Account index="3">
                            <AccountTitle>Mary E. Smith, William J. Smith</AccountTitle>
                            <AccountType>4</AccountType>
                            <Holders>
                               <Holder index="1">
                                  <AccountAddressInd>1</AccountAddressInd>
                                  <BirthDate>19530403</BirthDate>
                                  <EmailAddress>mary34456@aol.com</EmailAddress>
                                  <EmployerCity>St Louis</EmployerCity>
                                  <EmployerName>Kohl's,</EmployerName>
                                  <EmployerState>MO</EmployerState>
                                  <FirstName>Mary</FirstName>
                                  <IdentificationItems>
                                     <IdentificationItem index="1">
                                        <IdentificationExpirationDate>20080403</IdentificationExpirationDate>
                                        <IdentificationIssuedDate>20010325</IdentificationIssuedDate>
                                        <IdentificationType>1</IdentificationType>
                                        <Identifier>B00205</Identifier>
                                        <IssuedByType>MO</IssuedByType>
                                     </IdentificationItem>
                                  </IdentificationItems>
                                  <LastName>Smith</LastName>
                                  <MailingAddressCity>St Louis</MailingAddressCity>
                                  <MailingAddressDifferentInd>0</MailingAddressDifferentInd>
                                  <MailingAddressPostalCode>63106</MailingAddressPostalCode>
                                  <MailingAddressState>MO</MailingAddressState>
                                  <MailingStreetAddress>345 Elm St</MailingStreetAddress>
                                  <MiddleName>Ellen</MiddleName>
                                  <PartyType>1</PartyType>
                                  <PermanentAddressCity>St. Louis</PermanentAddressCity>
                                  <PermanentAddressPostalCode>63106</PermanentAddressPostalCode>
                                  <PermanentAddressState>MO</PermanentAddressState>
                                  <PermanentStreetAddress>345 Elm St</PermanentStreetAddress>
                                  <Phones>
                                     <Phone index="1">
                                        <Desc>Home</Desc>
                                        <PhoneNumber>314-334-6612</PhoneNumber>
                                     </Phone>
                                     <Phone index="2">
                                        <Desc>Work</Desc>
                                        <PhoneNumber>417-670-1213</PhoneNumber>
                                     </Phone>
                                     <Phone index="3">
                                        <Desc>Cellular Phone</Desc>
                                        <PhoneNumber>573-670-8899</PhoneNumber>
                                     </Phone>
                                  </Phones>
                                  <PreviousFinancialInstitutionDesc>US Bank</PreviousFinancialInstitutionDesc>
                                  <SSN>134-56-7889</SSN>
                                  <EmployerPostalCode>63106</EmployerPostalCode>
                                  <ID>1</ID>
                                  <BackupWithholdingTaxPayerIdentificationNumberInd>1</BackupWithholdingTaxPayerIdentificationNumberInd>
                                  <SafeDepositBoxLeaseRelationshipDesc>Renter</SafeDepositBoxLeaseRelationshipDesc>
                               </Holder>
                               <Holder index="2">
                                  <AccountAddressInd>1</AccountAddressInd>
                                  <BirthDate>19480507</BirthDate>
                                  <EmailAddress>william43356@hotmail.com</EmailAddress>
                                  <EmployerCity>St Louis</EmployerCity>
                                  <EmployerName>Scheels,</EmployerName>
                                  <EmployerState>MO</EmployerState>
                                  <FirstName>William</FirstName>
                                  <IdentificationItems>
                                     <IdentificationItem index="1">
                                        <IdentificationExpirationDate>20100507</IdentificationExpirationDate>
                                        <IdentificationIssuedDate>20060503</IdentificationIssuedDate>
                                        <IdentificationType>1</IdentificationType>
                                     </IdentificationItem>
                                  </IdentificationItems>
                                  <LastName>Smith</LastName>
                                  <MailingAddressCity>St Louis</MailingAddressCity>
                                  <MailingAddressDifferentInd>1</MailingAddressDifferentInd>
                                  <MailingAddressPostalCode>63106</MailingAddressPostalCode>
                                  <MailingAddressState>MO</MailingAddressState>
                                  <MailingStreetAddress>123 Main St.</MailingStreetAddress>
                                  <MiddleName>John</MiddleName>
                                  <PartyType>1</PartyType>
                                  <PermanentAddressCity>St. Louis</PermanentAddressCity>
                                  <PermanentAddressPostalCode>63106</PermanentAddressPostalCode>
                                  <PermanentAddressState>MO</PermanentAddressState>
                                  <PermanentStreetAddress>345 Elm St.</PermanentStreetAddress>
                                  <Phones>
                                     <Phone index="1">
                                        <Desc>Home</Desc>
                                        <PhoneNumber>314-334-6612</PhoneNumber>
                                     </Phone>
                                     <Phone index="2">
                                        <Desc>Work</Desc>
                                        <PhoneNumber>314-229-1819</PhoneNumber>
                                     </Phone>
                                     <Phone index="3">
                                        <Desc>Cellular Phone</Desc>
                                        <PhoneNumber>573-670-8898</PhoneNumber>
                                     </Phone>
                                  </Phones>
                                  <PreviousFinancialInstitutionDesc>Wells Fargo</PreviousFinancialInstitutionDesc>
                                  <SSN>134-44-7223</SSN>
                                  <EmployerPostalCode>63106</EmployerPostalCode>
                                  <ID>2</ID>
                                  <SafeDepositBoxLeaseRelationshipDesc>Renter</SafeDepositBoxLeaseRelationshipDesc>
                               </Holder>
                            </Holders>
                            <AccountAgreementDate>20080101</AccountAgreementDate>
                            <SafeDepositBoxLeaseType>2</SafeDepositBoxLeaseType>
                            <SafeDepositBoxKeysDesc>2</SafeDepositBoxKeysDesc>
                            <SafeDepositBoxSizeDesc>Large</SafeDepositBoxSizeDesc>
                            <SafeDepositBoxVaultKeysDesc>No vault keys issued</SafeDepositBoxVaultKeysDesc>
                            <SafeDepositBoxAnnualRentAmount>60</SafeDepositBoxAnnualRentAmount>
                            <SafeDepositBoxLesseesRequiredNumber>1</SafeDepositBoxLesseesRequiredNumber>
                            <SafeDepositBoxBillingType>2</SafeDepositBoxBillingType>
                            <SafeDepositBoxBillingAccountIdentifier>33220008</SafeDepositBoxBillingAccountIdentifier>
                            <SafeDepositBoxBillingPeriodicFrequencyType>6</SafeDepositBoxBillingPeriodicFrequencyType>
                            <SafeDepositBoxLeaseBoxNumber>13558</SafeDepositBoxLeaseBoxNumber>
                         </Account>
                      </Accounts>
                      <Fees>
                         <Fee index="1">
                            <AmountDesc>$30.00</AmountDesc>
                            <FeeNameType>1</FeeNameType>
                            <OverdraftFeeAmount>30.00</OverdraftFeeAmount>
                            <OverdraftFeeLimitType>1</OverdraftFeeLimitType>
                            <OverdraftFeeType>1</OverdraftFeeType>
                         </Fee>
                         <Fee index="2">
                            <FeeNameType>999</FeeNameType>
                            <AmountDesc>$40.00</AmountDesc>
                            <OverdraftFeeAmount>40.00</OverdraftFeeAmount>
                            <OverdraftDaysNumber>10</OverdraftDaysNumber>
                            <OverdraftFeeType>99</OverdraftFeeType>
                            <OverdraftFeeTypeOtherDesc>if the account is overdrawn for more than 10 consecutive days, we charge an additional fee of $40.00 for each day your account is overdrawn</OverdraftFeeTypeOtherDesc>
                            <FeeNameTypeOtherDesc>Extended overdraft fee - if account is overdrawn more than 10 consecutive days.</FeeNameTypeOtherDesc>
                         </Fee>
                         <Fee index="3">
                            <AmountDesc>$20.00</AmountDesc>
                            <FeeNameType>2</FeeNameType>
                         </Fee>
                         <Fee index="4">
                            <AmountDesc>$10.00</AmountDesc>
                            <FeeNameType>999</FeeNameType>
                            <FeeNameTypeOtherDesc>Deposited checks returned unpaid</FeeNameTypeOtherDesc>
                         </Fee>
                         <Fee index="5">
                            <AmountDesc>1.0% of the transaction amount</AmountDesc>
                            <FeeNameType>5</FeeNameType>
                         </Fee>
                         <Fee index="6">
                            <FeeNameType>4</FeeNameType>
                            <AmountDesc>1% of amount transacted</AmountDesc>
                         </Fee>
                         <Fee index="7">
                            <FeeNameType>999</FeeNameType>
                            <FeeNameTypeOtherDesc>Cash withdrawal at ATM</FeeNameTypeOtherDesc>
                            <AmountDesc>$.25</AmountDesc>
                         </Fee>
                         <Fee index="8">
                            <FeeNameType>999</FeeNameType>
                            <AmountDesc>$5.00</AmountDesc>
                            <FeeNameTypeOtherDesc>Replace ATM card or PIN</FeeNameTypeOtherDesc>
                         </Fee>
                         <Fee index="9">
                            <FeeNameType>999</FeeNameType>
                            <AmountDesc>$5.00</AmountDesc>
                            <FeeNameTypeOtherDesc>Replace debit card or PIN</FeeNameTypeOtherDesc>
                         </Fee>
                         <Fee index="10">
                            <AmountDesc>$0.50</AmountDesc>
                            <FeeNameType>999</FeeNameType>
                            <FeeNameTypeOtherDesc>Certified Check</FeeNameTypeOtherDesc>
                         </Fee>
                         <Fee index="11">
                            <AmountDesc>$0.50</AmountDesc>
                            <FeeNameType>999</FeeNameType>
                            <FeeNameTypeOtherDesc>Temporary Check</FeeNameTypeOtherDesc>
                         </Fee>
                         <Fee index="12">
                            <AmountDesc>$0.50</AmountDesc>
                            <FeeNameType>999</FeeNameType>
                            <FeeNameTypeOtherDesc>Temporary check</FeeNameTypeOtherDesc>
                         </Fee>
                         <Fee index="13">
                            <AmountDesc>$0.50</AmountDesc>
                            <FeeNameType>999</FeeNameType>
                            <FeeNameTypeOtherDesc>Cashier's check</FeeNameTypeOtherDesc>
                         </Fee>
                         <Fee index="14">
                            <AmountDesc>$0.50</AmountDesc>
                            <FeeNameType>999</FeeNameType>
                            <FeeNameTypeOtherDesc>Money order</FeeNameTypeOtherDesc>
                         </Fee>
                         <Fee index="15">
                            <AmountDesc>$1.00 per $100.00</AmountDesc>
                            <FeeNameType>999</FeeNameType>
                            <FeeNameTypeOtherDesc>Traveler's checks</FeeNameTypeOtherDesc>
                         </Fee>
                         <Fee index="16">
                            <AmountDesc>$10.00</AmountDesc>
                            <FeeNameType>999</FeeNameType>
                            <FeeNameTypeOtherDesc>Garnishments</FeeNameTypeOtherDesc>
                         </Fee>
                         <Fee index="17">
                            <AmountDesc>$10.00</AmountDesc>
                            <FeeNameType>999</FeeNameType>
                            <FeeNameTypeOtherDesc>Executions</FeeNameTypeOtherDesc>
                         </Fee>
                         <Fee index="18">
                            <AmountDesc>$10.00</AmountDesc>
                            <FeeNameType>999</FeeNameType>
                            <FeeNameTypeOtherDesc>Levies</FeeNameTypeOtherDesc>
                         </Fee>
                         <Fee index="19">
                            <AmountDesc>$1.00</AmountDesc>
                            <FeeNameTypeOtherDesc>Special statement cutoff</FeeNameTypeOtherDesc>
                            <FeeNameType>999</FeeNameType>
                         </Fee>
                         <Fee index="20">
                            <AmountDesc>$10.00 per hour</AmountDesc>
                            <FeeNameType>999</FeeNameType>
                            <FeeNameTypeOtherDesc>Account Research</FeeNameTypeOtherDesc>
                         </Fee>
                         <Fee index="21">
                            <AmountDesc>$10.00 per hour</AmountDesc>
                            <FeeNameType>999</FeeNameType>
                            <FeeNameTypeOtherDesc>Account balancing assistance</FeeNameTypeOtherDesc>
                         </Fee>
                         <Fee index="22">
                            <AmountDesc>$1.00</AmountDesc>
                            <FeeNameType>999</FeeNameType>
                            <FeeNameTypeOtherDesc>Copy of statement</FeeNameTypeOtherDesc>
                         </Fee>
                         <Fee index="23">
                            <AmountDesc>$10.00</AmountDesc>
                            <FeeNameType>999</FeeNameType>
                            <FeeNameTypeOtherDesc>Stop payment (any type)</FeeNameTypeOtherDesc>
                         </Fee>
                         <Fee index="24">
                            <AmountDesc>$10.00</AmountDesc>
                            <FeeNameType>999</FeeNameType>
                            <FeeNameTypeOtherDesc>Wire Transfer - incoming or outgoing</FeeNameTypeOtherDesc>
                         </Fee>
                         <Fee index="25">
                            <AmountDesc>$3.00 per month</AmountDesc>
                            <FeeNameType>999</FeeNameType>
                            <FeeNameTypeOtherDesc>Dormant Account Fee - An account is considered dormant if, for 3 years: statements have been returned undelivered, you have not contacted us about any account with us; and you have initiated no transactions on any account with us.</FeeNameTypeOtherDesc>
                         </Fee>
                      </Fees>
                      <OverdraftFeeType>1</OverdraftFeeType>
                      <RecreditRightsClaimDaysCount>60</RecreditRightsClaimDaysCount>
                      <RecreditRightsInitialRefundDaysCount>7</RecreditRightsInitialRefundDaysCount>
                      <RecreditRightsInitialRefundMaximumAmount>3000</RecreditRightsInitialRefundMaximumAmount>
                      <RecreditRightsRemainingRefundDaysCount>30</RecreditRightsRemainingRefundDaysCount>
                      <FundsAvailabilityPolicies>
                         <FundsAvailabilityPolicy index="1">
                            <LocationsDesc>at 301 South College Street St. Louis, MO 63106</LocationsDesc>
                            <NewAccountExceptionInd>1</NewAccountExceptionInd>
                            <NewAccountPolicyCustomInd>0</NewAccountPolicyCustomInd>
                            <AppliesToType>2</AppliesToType>
                            <AvailabilityType>1</AvailabilityType>
                            <CaseByCaseAvailableDayType>2</CaseByCaseAvailableDayType>
                            <CaseByCaseDelayTime>4:00 PM</CaseByCaseDelayTime>
                            <CashWithdrawalLimitationInd>1</CashWithdrawalLimitationInd>
                            <CutoffTimeDesc>4:00 PM</CutoffTimeDesc>
                            <CutoffTimeType>3</CutoffTimeType>
                            <SafeguardDelayMaximumDaysInd>1</SafeguardDelayMaximumDaysInd>
                            <SafeguardExceptionInd>1</SafeguardExceptionInd>
                            <NewAccountDayDesc>10th</NewAccountDayDesc>
                            <CaseByCaseInd>1</CaseByCaseInd>
                         </FundsAvailabilityPolicy>
                      </FundsAvailabilityPolicies>
                      <RegEPolicies>
                         <RegEPolicy index="1">
                            <DirectDepositInd>1</DirectDepositInd>
                            <ECheckPaymentsInd>1</ECheckPaymentsInd>
                            <PreauthorizedWithdrawalInd>1</PreauthorizedWithdrawalInd>
                            <TelephoneAccessConditionRequiredInd>1</TelephoneAccessConditionRequiredInd>
                            <TelephoneAccessPhones>
                               <TelephoneAccessPhone index="1">
                                  <AccessHoursDesc>24 hours a day</AccessHoursDesc>
                                  <PhoneNumber>1-800-252-9897</PhoneNumber>
                               </TelephoneAccessPhone>
                            </TelephoneAccessPhones>
                            <TelephoneBalanceInformationInd>1</TelephoneBalanceInformationInd>
                            <TelephoneDepositHistoryInd>1</TelephoneDepositHistoryInd>
                            <TelephoneInd>1</TelephoneInd>
                            <TelephoneTransactionHistoryInd>1</TelephoneTransactionHistoryInd>
                            <TelephoneWithdrawalHistoryInd>1</TelephoneWithdrawalHistoryInd>
                            <Transactions>
                               <Transaction index="1">
                                  <FromAccountDesc>savings</FromAccountDesc>
                                  <ToAccountDesc>checking</ToAccountDesc>
                                  <TransferOrPaymentType>3</TransferOrPaymentType>
                               </Transaction>
                               <Transaction index="2">
                                  <TransferOrPaymentType>5</TransferOrPaymentType>
                                  <FromAccountDesc>savings</FromAccountDesc>
                                  <ToAccountDesc>checking</ToAccountDesc>
                               </Transaction>
                            </Transactions>
                            <HSAInd>0</HSAInd>
                            <ATMDebitAccessConditionRequiredInd>1</ATMDebitAccessConditionRequiredInd>
                            <ATMDebitLocationOrNetworkDesc>Money Pass</ATMDebitLocationOrNetworkDesc>
                            <ATMDebitAccessConditionRequiredDesc>PIN Number</ATMDebitAccessConditionRequiredDesc>
                            <ATMDebitCashWithdrawalInd>1</ATMDebitCashWithdrawalInd>
                            <ATMDebitBalanceInformationInd>1</ATMDebitBalanceInformationInd>
                            <ATMDebitWithdrawalHistoryInd>1</ATMDebitWithdrawalHistoryInd>
                            <ATMDebitDepositHistoryInd>1</ATMDebitDepositHistoryInd>
                            <ATMDebitTransactionHistoryInd>1</ATMDebitTransactionHistoryInd>
                            <POSInd>1</POSInd>
                            <ForeignCurrencyConversionInd>1</ForeignCurrencyConversionInd>
                            <ForeignCurrencyConversionType>1</ForeignCurrencyConversionType>
                            <ConsumerLiabilityType>1</ConsumerLiabilityType>
                            <PeriodicStatementMonthlyInd>1</PeriodicStatementMonthlyInd>
                            <PeriodicStatementMonthlyAccountDesc>checking and savings</PeriodicStatementMonthlyAccountDesc>
                            <BusinessDaysHoursDesc>Monday through Saturday</BusinessDaysHoursDesc>
                            <BusinessDaysHolidayExceptionInd>1</BusinessDaysHolidayExceptionInd>
                            <ErrorResolutionType>2</ErrorResolutionType>
                            <POSCards>
                               <POSCard index="1">
                                  <POSGetCashInd>1</POSGetCashInd>
                                  <POSPayForServiceDesc>pay for services in person, by phone or online</POSPayForServiceDesc>
                                  <POSPurchaseGoodsDesc>purchase goods in person, by phone or online</POSPurchaseGoodsDesc>
                               </POSCard>
                            </POSCards>
                            <ATMInd>1</ATMInd>
                            <DirectDepositPayorDesc>Social Security or payroll</DirectDepositPayorDesc>
                            <ATMCardNameDesc>Kash Kard</ATMCardNameDesc>
                            <ATMLocationOrNetworkDesc>FastCash machines and any ATM bearing the VISA logo</ATMLocationOrNetworkDesc>
                            <PreauthorizedWithdrawalVaryingPaymentsType>1</PreauthorizedWithdrawalVaryingPaymentsType>
                            <ConfidentialityType>1</ConfidentialityType>
                            <DirectDepositPayorConfirmationInd>1</DirectDepositPayorConfirmationInd>
                            <ATMCashWithdrawalInd>1</ATMCashWithdrawalInd>
                            <ATMBalanceInformationInd>1</ATMBalanceInformationInd>
                            <ComputerInd>1</ComputerInd>
                            <ComputerPlanName>On Line Now</ComputerPlanName>
                            <ComputerAccessWebsiteInd>1</ComputerAccessWebsiteInd>
                            <ComputerAccessWebsiteDesc>https://www.FMB.com/OnLineNow</ComputerAccessWebsiteDesc>
                            <ComputerAccessConditionRequiredInd>1</ComputerAccessConditionRequiredInd>
                            <ComputerBalanceInformationInd>1</ComputerBalanceInformationInd>
                            <ComputerWithdrawalHistoryInd>1</ComputerWithdrawalHistoryInd>
                            <ComputerDepositHistoryInd>1</ComputerDepositHistoryInd>
                            <ComputerTransactionHistoryInd>1</ComputerTransactionHistoryInd>
                            <BillPayInd>1</BillPayInd>
                            <BillPayPlanName>Be On Time Bill Payment</BillPayPlanName>
                            <BillPayComputerAccessInd>1</BillPayComputerAccessInd>
                            <BillPayComputerAccessWebsiteDesc>https://www.FMB.com/BeOnTime</BillPayComputerAccessWebsiteDesc>
                            <BillPayTelephoneAccessInd>1</BillPayTelephoneAccessInd>
                            <BillPayTelephoneAccessPhoneNumber>1-866-B ON TIME (1-866-266-8463)</BillPayTelephoneAccessPhoneNumber>
                            <BillPayMakePaymentsFromDesc>checking account</BillPayMakePaymentsFromDesc>
                            <BillPayMakePaymentsToDesc>your creditors</BillPayMakePaymentsToDesc>
                            <BillPayPaperCheckPaymentsInd>1</BillPayPaperCheckPaymentsInd>
                            <VisaNonNetworkDebitsInd>0</VisaNonNetworkDebitsInd>
                         </RegEPolicy>
                      </RegEPolicies>
                      <TransactionDate>20080101</TransactionDate>
                      <OpeningOfficerDesc>Jane J. Johnson</OpeningOfficerDesc>
                      <ApprovingOfficerDesc>George R. Smith</ApprovingOfficerDesc>
                      <AccountAgreementCustomerInformationType>2</AccountAgreementCustomerInformationType>
                      <CustomerInformationAddendumInd>1</CustomerInformationAddendumInd>
                      <OverdraftProcedureStandardInd>1</OverdraftProcedureStandardInd>
                      <OverdraftOptInSignatureInd>0</OverdraftOptInSignatureInd>
                      <CIPAdequateNoticeType>2</CIPAdequateNoticeType>
                      <SubstituteCheckImageInd>1</SubstituteCheckImageInd>
                      <OverdraftProcedureOptionalType>3</OverdraftProcedureOptionalType>
                      <OverdraftChecksInd>1</OverdraftChecksInd>
                      <OverdraftOtherAccountTransactionsInd>0</OverdraftOtherAccountTransactionsInd>
                      <OverdraftAutomaticBillPaymentInd>1</OverdraftAutomaticBillPaymentInd>
                      <OverdraftOptInOtherDesc>complete the form and deliver or mail it to First Missouri Bank, N.A</OverdraftOptInOtherDesc>
                   </Deposit>
                   <OrgAddresses>
                      <OrgAddress index="1">
                         <Value>301 South College Street</Value>
                      </OrgAddress>
                   </OrgAddresses>
                   <OrgCharter>Federal</OrgCharter>
                   <OrgCity>St. Louis</OrgCity>
                   <OrgJurisdiction>MO</OrgJurisdiction>
                   <OrgLegalName>First Missouri Bank, N.A.</OrgLegalName>
                   <OrgPhone>314-240-4123</OrgPhone>
                   <OrgPostalCode>63106</OrgPostalCode>
                   <OrgState>MO</OrgState>
                   <OrgType>National Bank</OrgType>
                   <TaglineUserDefinedCenterDesc>1_MO_NOW_SAV_JOINT</TaglineUserDefinedCenterDesc>
                   <NegativeInformationNoticeType>1</NegativeInformationNoticeType>
                   <OrgEstablishedState>MO</OrgEstablishedState>
                   <OrgDesc>National Banking Association</OrgDesc>
                   <ResponsiblePartyUserName>Jim Burns</ResponsiblePartyUserName>
                   <ResponsiblePartyUserTitle>Vice President</ResponsiblePartyUserTitle>
                   <ExecutionCounty>Springfield</ExecutionCounty>
                   <ExecutionState>MO</ExecutionState>
                   <OrgRoutingNumber>081021971</OrgRoutingNumber>
                   <TaglineBarcodeDesc>Tag Line 1</TaglineBarcodeDesc>
                </Txn>]]></v2:txn>
             <v2:docs/>
             <v2:packages>
                <!--Zero or more repetitions:-->
                <doc:Package>
                   <!--Optional:-->
                   <doc:Id>Deposit.PKG.DepositAccountOpening</doc:Id>
                   <!--Optional:-->
                   <doc:Name/>
                </doc:Package>
             </v2:packages>
             <v2:redirectOnCompletionUrl>https://labw6408hvm031.wkmnlab.net/TestWebApp/DocViewer/EndSession?SessionId</v2:redirectOnCompletionUrl>
          </v2:BeginSession>
       </soap:Body>
    </soap:Envelope>

## Response

    <?xml version="1.0" encoding="UTF-8"?>
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       <s:Header>
          <a:Action s:mustUnderstand="1">http://www.wolterskluwerfs.com/2014/05/DocServices/V2/ISecuritySessionService/BeginSessionResponse</a:Action>
          <o:Security s:mustUnderstand="1" xmlns:o="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-secext-1.0.xsd">
             <u:Timestamp u:Id="_0">
                <u:Created>2017-01-10T22:04:10.021Z</u:Created>
                <u:Expires>2017-01-10T22:09:10.021Z</u:Expires>
             </u:Timestamp>
          </o:Security>
       </s:Header>
       <s:Body>
          <BeginSessionResponse xmlns="http://www.wolterskluwerfs.com/2014/05/DocServices/V2">
             <BeginSessionResult xmlns:b="http://www.wolterskluwerfs.com/Osprey/DocViewerInterface" xmlns:i="http://www.w3.org/2001/XMLSchema-instance">
                <b:Error i:nil="true"/>
                <b:ErrorId i:nil="true"/>
                <b:RedirectUrl>https://ct-expere.wolterskluwerfs.com/DocViewerInterfaceHtml/</b:RedirectUrl>
                <b:SWT>&lt;BinarySecurityToken ValueType="http://schemas.xmlsoap.org/ws/2009/11/swt-token-profile-1.0" EncodingType="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-soap-message-security-1.0#Base64Binary" xmlns="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-secext-1.0.xsd">U2Vzc2lvbklkPTllMzE1MGI5LTJkYjEtNGQyMS04M2ZhLTk1NzM3ZGFiYTdjNyU3YzEwNjAxNTA5MjQmaHR0cCUzYSUyZiUyZnNjaGVtYXMueG1sc29hcC5vcmclMmZ3cyUyZjIwMDUlMmYwNSUyZmlkZW50aXR5JTJmY2xhaW1zJTJmbmFtZT1ib2IuZ3V6ZWslNDB3b2x0ZXJza2x1d2VyLmNvbSZJc3N1ZXI9ZG9jdmlld2VyLndvbHRlcnNrbHV3ZXJmcy5jb20mQXVkaWVuY2U9JkV4cGlyZXNPbj0xNDg0MDg5NDUwJkhNQUNTSEEyNTY9cG5UMlRaSWJpRFFXZ0tFajA5cUZJNWlLRjVhTWtCOW10SEl2aFp5ViUyYk1vJTNk&lt;/BinarySecurityToken></b:SWT>
                <b:SessionId>9e3150b9-2db1-4d21-83fa-95737daba7c7</b:SessionId>
             </BeginSessionResult>
          </BeginSessionResponse>
       </s:Body>
    </s:Envelope>