drctDbtTxInf.getDbtrAcct().setId(new AccountIdentificationSEPA());
drctDbtTxInf.getDbtrAcct().getId().setIBAN(sepaParams.getProperty(SepaUtil.insertIndex("dst.iban", index)));
//Payment Information - Credit Transfer Transaction Information - Creditor Agent
drctDbtTxInf.setDbtrAgt(new BranchAndFinancialInstitutionIdentificationSEPA3());
drctDbtTxInf.getDbtrAgt().setFinInstnId(new FinancialInstitutionIdentificationSEPA3());
String bic = sepaParams.getProperty(SepaUtil.insertIndex("dst.bic", index));
if (bic != null && bic.length() > 0)
{
drctDbtTxInf.getDbtrAgt().getFinInstnId().setBIC(bic);