This block is where the actual message content is specified and is what most users see.
Generally the other blocks are stripped off before presentation.
Where applicable, the text of a FIN message is given in Block 4.

An example of a Text Block in a typical FIN user-to-user message follows:

{4:[CRLF]
:20:PAYREF-TB54302[CRLF]
:32A:010103EUR1000000[CRLF]
:50:CUSTOMER NAME[CRLF]
AND ADDRESS[CRLF]
:59:/123-456-789[CRLF]
BENEFICIARY NAME[CRLF]
AND ADDRESS[CRLF]
-}

In the text of user-to-user messages, [CRLF] is a mandatory field delimiter.

The text part of a GPA message or a FIN system message differs only in that each text field is seen as a sub-block of Block 4, with block delimiters at the beginning and end of each sub-block.

For example, the Text Block of an MT 010 Non-Delivery Warning may appear as:

{4:{106:010103BANKBEBBAXXX1221654321}{108:ABCDEF}{431:07}{102:BANKUS33XXXX}{104:U}}