(4) Data and Information Requirement The system-related data and information will be designed by the CBM-NET Phase 2 application vendor and will be confirmed by CBM in the external design phase. (5) External Interface Requirement Bank transfer (LSF) and customer credit transfer (LSF) can be sent and received via the terminal screen and the STP connections. Additionally, the customer credit transfer (LSF) is allowed to be sent via the file upload function. (6) Prerequisite For the specification, CBM will conduct required review and confirmation in timely manner. For the related rules regarding to introduction of this function, CBM is requested to determine the operation policy (includes the timing of conducting MLOS) before start of operation and put into configuration if it necessary. On the other hand, regarding to introduction of this function, if the current agreement between CBM and FIs must be revised (the temporally suspension of RTGS during the MLOS settlement process or the handling process of unsettled instruction queue, for example. The necessity of agreement will be decided by CBM), CBM may have to determine based on technical conditions provided from consultant and vendors. 3.2.4.1.4 ACH (1) System Function (A) Basic Concept In line with the advances in the introduction of CBSs among FIs, the automated clearinghouse (ACH) function will be implemented. ACH is a payment and 43