I am trying to create an ascii file from a database for exporting to a Bank as a direct payment.

For our previous bank it was simple, I used ? to output various fields, separated by commas.

With our new bank it is a bit more complicated. The file starts with a 'Descriptive record' which is the first
line. At byte 121 it needs a carriage return and byte 122 a line feed. How do I tag these onto the end of the line?
At the moment the line looks like this-
01NAB YURUGA NURSERY 189989PAYMENT DATA120101 0
Carriage return needs to go in where the last 0 is.