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Service code — three characters Discretionary data — may include Pin Verification Key Indicator (PVKI, 1 character), PIN Verification Value (PVV, 4 characters), Card Verification Value or Card Verification Code (CVV or CVC, 3 characters) End sentinel — one character (generally ‘ ? ’ ) Longitudinal redundancy check (LRC) — it is one character and a validity character calculated from other data on the track. Track 2 This format was developed by the banking industry (ABA).