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HomeMy WebLinkAbout09 - CC-9 - Selection of Financial Institution - 1/19/2016 (2)CITY COUNCIL AGENDA REPORT MEETING DATE: JANUARY 19, 2016 ITEM NUMBER: CC -9 SUBJECT: SELECTION OF FINANCIAL INSTITUTION TO PROVIDE BANKING AND MERCHANT SERVICES FOR THE CITY OF COSTA MESA DATE: JANUARY 11, 2016 FROM: FINANCE DEPARTMENT PRESENTATION BY: STEPHEN DUNIVENT, INTERIM FINANCE DIRECTOR FOR FURTHER INFORMATION CONTACT: STEPHEN DUNIVENT, (714) 754-5243 RECOMMENDED ACTION 1. Award RFP No. 16-09 for a five (5) year contract with two (2), one-year renewal options with J.P. Morgan Chase as the financial institution to provide banking and merchant services for the City; and 2. Authorize the Chief Executive Officer to execute an agreement with J.P. Morgan Chase in a form approved by the City Attorney's office; and 3. Authorize the Chief Executive Officer to execute the renewals of the approved agreements. BACKGROUND The City of Costa Mesa has contracted for banking services with Bank of America since 1992. In October 2015, Bank of America notified the City that they would no longer provide accounts, deposit, cash management or treasury services for the City. The City needs to transition the existing accounts with Bank of America to another financial institution by April 8, 2016. Bank of America has also provided merchant services to the City over the past twenty years. In recent years, the increase in credit card fraud in America has prompted the implementation of EMV payment system (EMV stands for EuroPay, MasterCard and Visa), also known as the chip -and -PIN payment system. Organizations that accept payment cards have a lot to consider about the security of the system handling the card information and minimize risks against data compromise. Staff feels that the City should review its current merchant service contract to ensure the City continues to receive the best possible services at a fair price. ANALYSIS The Treasury Management Division of the Finance Department conducted an informal RFP with the assistance of the Purchasing Division for banking and merchant services. The City's Municipal Code allows for exemption from the formal bidding process for professional services that fall under CMMC 2-165(b)(4), (citing Government Code section 37103). With the approval of the Interim Finance Director, staff prepared and sent out an informal Request for Proposal to seven financial institutions and two merchant service providers. Financial Institutions: Bank of the West Citizen's Business Bank J.P. Morgan Chase Orange County Business Bank Union Bank US Bank Wells Fargo Merchant Services Providers: Atlantic Pacific Processing Systems Merchant Services During the week of November 30, 2015, staff invited the interested proposers to City Hall for a live demonstration of their respective online banking platform. Proposals were due to the Finance Department by December 8, 2015. Staff received proposals from the following entities: Banking Services Proposals Merchant Services Proposals Bank of the West Bank of the West J.P. Morgan Chase J.P. Morgan Chase US Bank US Bank Wells Faro Wells Fargo Atlantic Pacific Processing Systems The proposers were required to submit proposals which detailed their qualifications, ability and costs to deliver the required services. They were also asked to describe any innovative approaches to provide services that would allow additional efficiency or enhanced performance. An evaluation team consisting of pertinent Department representatives and one outside evaluator performed independent evaluations of each proposal submitted. The four criteria used in the evaluations were: a) qualifications of entity and key personnel, b) approach to providing the requested services, c) price proposal, and d) innovative and/or creative approaches. Upon submittal and ranking of the evaluations, the four highest ranking proposers from the combined banking and merchant services were determined. The evaluation team submitted a question and answer form to the four highest ranking proposers to obtain additional information regarding unclear items discovered during the evaluation process of the submitted proposals. Of the proposals submitted, US Bank had the overall highest ranking, while J.P. Morgan Chase was ranked 211 when combining the banking and merchant services. US Bank presented a deposit ceiling in their proposal which was confirmed during the Q&A portion of the evaluation. This vendor is unable to support an average deposit balance in excess of $705,000. This information forced the committee to deem US Bank as a non-responsive bidder as they are unable to provide the City's required banking services. J.P. Morgan Chase does not place a ceiling on the City's deposit balance. Additionally, J.P. Morgan Chase's online banking platform provides a robust system that enables the City to perform all treasury management functions in one system and was ranked #1 cash management portal by Greenwich Associates in 2014. The online banking system is easy to navigate and designed with strong security protocol to reduce the risk of fraud or compromised data. The evaluation panel determined that J.P. Morgan Chase provided the best overall banking and merchant service solution. 2 Attachment 1 provides the ranking results of the proposals reviewed by the evaluation committee. ALTERNATIVES CONSIDERED Qualified staff members have invested numerous hours independently evaluating and determining the best solution for banking and merchant services for the City. The process was fair and thorough, reviewing the many aspects of the services to be provided. Due to the time and effort put into the selection process and the clear consistency in the evaluation results, no other alternatives were considered. FISCAL REVIEW The monthly charge proposed by J.P. Morgan Chase to provide banking services to the City of Costa Mesa is approximately $2,100 per month. It should be noted that this is an approximate charge, as the actual charge will be reduced by any earnings credit on idle funds. Traditionally, these earnings credit, also known as compensated balances, have reduced the bank charge by 40% to 50%. With earnings credit, staff estimates the actual bank charge will be approximately $1,050 per month, which is comparable to what the City is currently paying Bank of America for banking services. The monthly charge to provide merchant services is approximately $200 per month plus Brand Assessments and Issuing Bank interchange fees, which are assessed by MasterCard and Visa, and pass through to the City. These Brand Assessments and interchange fees can range from $2,000 to $5,000 per month depending on volumes of payment card transactions processed. LEGAL ANALYSIS Legal has reviewed this report and will review any agreement to be entered into with J. P. Morgan Chase. Public Contract Code section 22175 et seq. does not apply to this agreement because the contract value is below the threshold set forth in Public Contract Code section 22178(a). Additionally, the agreement does not fall within the contract areas specified in Public Contract Code section 22178(a). CONCLUSION It is recommended that the City Council awards RFP No. 16-09 for banking and merchant services to J.P. Morgan Chase, authorizing the City Chief Executive Officer to execute an Agreement with J. P. Morgan Chase and the renewals of said agreement. THOMAS HATCH Chief Executive Officer Attachments: STEPHEN DUNIVENT Interim Finance Director 1) Ranking Evaluation Summary 2) J.P. Morgan Chase Banking Services Proposal 3) J.P. Morgan Chase Merchant Services Propos 3 BANKING SERVICES Proposers Totals RFP 16-09 BANKING AND MERCHANT SERVICES Rank JP Morgan 1700.00 1 US Bank 1637.50 2 Bank of the West 1550.00 3 Wells Fargo Bank, N.A. 1425.00 4 MERCHANT SERVICES Proposers Totals Rank US Bank 1637.50 1 Wells Fargo Bank, N.A. 1575.00 2 JP Morgan 1475.00 3 Bank of the West 1475.00 3 Atlantic -Pacific Processing Systems 1425.00 4 RFP TOTALS Proposers Totals Rank US Bank 3275.00 1 JP Morgan 3175.00 2 Bank of the West 3112.50 3 Wells Fargo Bank, N.A. 1475.00 4 Atlantic -Pacific Processing Systems 1425.00 5 BANKING AND MERCHANT SERVICES FINAL PROPOSAL RANKINGS JP Morgan 3175.00 1 Wells Fargo Bank, N.A. 1475.00 2 Atlantic -Pacific Processing Systems 1425.00 3 Attachment 1 US Bank presented a deposit ceiling in their proposal. This vendor is unable to support an average deposit balance in excess of $705K. This information has deemed vendor unable to provide required banking services, and is considered Non -Responsive. Questions & Answers revealed that the Token Security requirement isn't available with Bank of the West. This information has deemed vendor unable to provide required banking services, and is considered Non - Responsive. Merchant Services Only. 01/11/2016 12:00 PM 1 Jennifer McCoy, Buyer Banking Services RFP December 8, 2015 Proposal in Response to Banking Services RFP Due: December 4, 2015 Disclosure Statement This document was prepared exclusively for the benefit and internal use of the party to whom it is directly addressed and delivered (the "Agency") in order to assist the Agency in evaluating certain products or services that may be provided by J.P. Morgan. J.P. Morgan is a marketing name for the Investment Banking, Asset Management and Treasury & Securities Services businesses as well as the Commercial Banking, Corporate Client Banking and Real Estate client segments of JPMorgan Chase & Co. and its subsidiaries worldwide. Securities, syndicated loan arranging, financial advisory and other investment banking activities are performed by J.P. Morgan Securities Inc. and its securities affiliates. Lending, derivatives and other commercial banking activities are performed by JPMorgan Chase Bank, N.A. ("JPMorgan Chase Bank") and its banking affiliates. J.P. Morgan deal team members may be employees of any of the foregoing entities. All cash management arrangements, including pool implementations, are subject to the satisfaction of legal, tax, and credit due diligence. The Agency will be required to sign an agreement with J.P. Morgan. J.P. Morgan does not provide advice on the fiscal issues related to treasury structures and recommends that the Agency consult with its legal and tax advisors prior to entering into any pooling arrangement. The Agency is responsible for its own independent assessment as to the suitability and appropriateness of the services hereunder for the needs and requirements of its business. J.P. Morgan may not be able to provide certain of the products or services described herein or requested by you unless J.P. Morgan confirms that such requested products or services would not cause J.P. Morgan to be considered a "Municipal Advisor" under Section 15B of the Securities and Exchange Act of 1934, as amended, and the related final rules (the "Municipal Advisor Rules"), or are otherwise excluded or exempt under the Municipal Advisor Rules. J.P. Morgan is not recommending that you take action or refrain from taking action or providing any advice. Products or services described in this proposal are hereby qualified and may only be provided to the extent J.P. Morgan would not be considered a Municipal Advisor. J.P. Morgan is licensed under U.S. Pat Nos. 5,910,988 and 6,032,137. This proposal is subject to and conditioned upon a mutually agreeable contract between the Agency and J.P. Morgan. J.P. Morgan also requires execution of all applicable product and service agreements. This document may contain information that is confidential and/or proprietary to JPMorgan Chase & Co. Such information is marked "confidential" and may not be copied, published or used, in whole or in part, for any purpose other than as expressly authorized by JPMorgan Chase Bank, N.A. The following is required pursuant to regulations adopted under Section 326 of the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act (USA PATRIOT Act) of 2001: To help the United States government fight the funding of terrorism and money laundering activities, U.S. law requires banks and certain other financial institutions to obtain, verify, and record information that identifies each client that opens an account. What this means for our clients: Before opening a new account, we will require you to provide name, address, taxpayer identification number, and other information and/or documentation that will allow us to identify the account owner(s), as required by law. All trademarks, trade names and service marks appearing herein are the property of their respective owners. © 2015 JPMorgan Chase Bank, N.A. All Rights Reserved. Member FDIC. t4W J.P. Morgan supports sustainable business practices and adheres to the principles of environmental 10 sustainability wherever possible. Page i T.1 . Morgan Vendor Application Form and Cover Letter ................................... ii TabA - Table of Contents ...........................................................vii Tab B - Bank Services to Public Sector ........................................ 1 TabC - References...................................................................... 8 Tab D - Collateralization of Deposits ......................................... 10 TabE - Deposit Compensation................................................... 12 Tab F - Demand Deposit Accounts ............................................. 15 Tab G - Automated Clearing House (ACH) Services ................... 16 Tab H - Wire and Other Transfers .............................................. 18 Tab I - Deposit Transmittal Process .......................................... 22 Tab J - Payroll Tax Processing ................................................... 26 Tab K - Interagency Activity/LAIF Transfers ............................. 27 Tab L - Balance and Detail Reporting ......................................... 29 Tab M - Daylight Overdraft Protection ....................................... 36 TabN - Conversion Plan............................................................ 37 Tab O - Business Continuity Plan ............................................... 40 Tab P - Banking Services Bid Form ............................................ 42 Tab Q - Sample Reports to Submit ............................................. 48 Tab R - Relevant Contract, Agreements and Statements to Submit49 Tab S - Financial Statements and Ratings ................................. 50 Tab T - Sample City Agreement, Mandatory Insurance Requirements .............................................................................................. 52 Tab U - Service Enhancement and Industry Best Practices........ 53 Page vii T.1 . Morgan Attachment 1. Sample Account Terms and Agreements Attachment 2. Availability Schedule Attachment 3. J.P. Morgan ACCESS Online Hardware and Software Specifications Attachment 4. J. P. Morgan ACCESS Online Sample Reports Attachment S. Business Resiliency Plan Overview Attachment 6. Sample Implementation Plan Attachment 7. Sample Account Analysis and Bank Statement User Guide Page viii T.1 . Morgan Please respond to the following sections: • Institution Overview - General overview of the financial institution, governmental client services philosophy, corporate organization, including identification of the government services unit, location of corporation, processing center, branch localities, hours of operation and banking holidays. JPMorgan Chase is a leading global financial services firm with assets of more than $2.5 trillion. The firm is a leader in investment banking; financial services for consumers and businesses, financial transaction processing, asset and wealth management and private equity. A component of the Dow Jones industrial average, JPMorgan Chase & Co. has its corporate headquarters in New York. Under the J.P. Morgan and Chase brands, the firm serves millions of consumers in the United States and many of the world's most prominent corporate, institutional and government clients. Information about the firm is available on the Internet at www.jpmorganchase.com. Our leadership position is illustrated by our top rankings in a number of transaction categories: same- day transfers (book, Fedwire, CHIPS and total), remote check clearing, and ACH originations (debit and total) (Ernst & Young, 2014). J.P. Morgan has ranked consistently as a top originator of ACH transactions since the founding of the ACH network. With offices in 118 U.S. cities and 14 international locations, Commercial Banking provides comprehensive financial solutions, including lending, treasury services, investment banking and asset management to meet its clients' domestic and international financial needs. As of October 1, 2015, JPMorgan Chase & Co. has: • Headcount of 237,459 employees worldwide • Market capitalization of $250.5 billion • Deposits of $1.2 trillion • Loans of $791.2 billion • Total stockholder equity of $241.2 billion • Tier 1 and total risk-based capital ratios 12.8% (est.) and 14.3% (est.), respectively • As of September 9, 2015 the level of California Local Agency deposits was approximately $325 million Government Client Service Philosophy We are proactive and provide regular relationship reviews, training opportunities and client discussions to ensure that City staff stays up-to-date on the latest in banking technology, operational best practices and other related topics of interest. Page 1 T.1. Morgan Primary Locations The City will have an experienced and reliable government relationship team located at the firm's Southern California Headquarters in Irvine, CA. The team will be responsible for responding to your inquiries and requests for services, while attending to daily activities regarding your financial matters and accounts. This team is made up of professionals that provide answers by taking time to understand your business, listening carefully and proactively providing ideas. Our 5 commercially enabled branches near the City's location, along with hours of operation, are listed in the table below. J.P. Morgan offers several other options for the City to consider for its depository needs and our team will work with City staff to determine the most efficient, secure and cost-effective way to handle these deposits. The deposit cutoff time is the branch closing time Monday through Friday, 6:00 p.m. local time for branches in the City's area. Branch hours are subject to change and will be posted at each branch location. Branch Name Address Operation Baker Street 1455 Baker St Costa Mesa, CA 92626 Mon -Fri 9:00 - 6:00 Sat 9:00 - 4:00 Newport Blvd and 17th Street 105 E 17th St Costa Mesa, CA 92627 Mon -Fri 9:00 - 6:00 Sat 9:00 - 4:00 Irvine and 17th 1000 Irvine Ave Newport Beach, CA 92660 Mon -Fri 9:00 - 6:00 Sat 9:00 - 4:00 MacArthur Fairview 2781 W Macarthur Blvd, Ste F-1 Santa Ana, CA 92704 Mon -Fri 9:00 - 6:00 Sat 9:00 - 4:00 South Coast 3600 S Bristol St Santa Ana, CA 92704 Mon -Fri 9:00 - 6:00 Sat 9:00 - 4:00 As a business practice, we regularly review branch and ATM activity which may result in branch openings and closings, ATM placement or removal, or in the change of branch banking or ATM functions. Therefore, branch banking and ATM locations and functions may change from time to time. The Corporate Office is located Southern California in Irvine, California. The Relationship team is based out of the Irvine location. Below is the address: JPMorgan Chase Bank, N.A. 3 Park Plaza Irvine, CA 92614 Correspondent Bank Relationship Not applicable. Page 2 T.1. Morgan Experience - Describe the institution's direct experience in servicing public sector clients. Please include: the number of public agency clients, the dollar amount of public funds on deposit, and the institution's knowledge of and adherence to the California Government Code including collateralization requirements, and other applicable federal and state laws. Will the institution be able to comply with transaction confirmation and respond to other requests for data as needed (i.e. from the City's auditors)? What role does technology play in the delivery of services? J.P. Morgan's Government Banking practice is a group of over 450 professionals, including bankers, treasury service professionals, credit specialists, client service experts, and administrative and sales support personnel who are dedicated to serving the government sector. This team is part of our Commercial Bank's Middle Market & Specialized Industries group and we support more than 2,350 active State, County, and Municipal customer relationships in more than 28 states. As of June 30, 2015, these clients represent more than $45.9 billion in public funds on deposit. Many firms say Treasury Services is a core competency but what distinguishes J.P. Morgan is that many of our capabilities have been designed and implemented for the government sector. Clients range from smaller utility districts to the Federal Government. Our experience in this sector provides us with a unique perspective that allows us to consistently find ways for our clients to achieve greater efficiency, reduce costs, and improve the experience for your constituency. By working with J.P. Morgan's dedicated public sector experts, the City will have access to decades of real-world experience and proven solutions with select products tailored for government entities. We have served as a trusted financial institution to local governments across the United States that oversee tax processing, utilities, finance, planning and development, procurement, and public safety and disaster relief. Your J.P. Morgan government banker and team think long-term and deliver industry insights that can help you reduce costs, drive efficiency and improve service. We believe that J.P. Morgan's extensive public sector experience will be an asset for the City in terms of cost savings and revenue enhancements as entities are pressured with budget reductions. J.P. Morgan is committed in developing a strong and lasting relationship with the City. We are more than a depository—we are a trusted part of your team. Our relationship and support teams will give every applicable department within the City detailed support and recommended best practices. JPMorgan Chase Bank, N.A. is a qualified depository for public funds in California, cementing our commitment to the State of California and to the unique needs of its counties, cities and other public agencies. The bank is capable of providing all services requested by the City in this RFP and has the ability to adhere to the California Government Code and other applicable laws. Relationship Management - Identify the size and scope of your California-based public banking unit, bank officers responsible for the City's accounts, what each person's role and responsibilities will be, and the relevant credentials and experience of each person on the relationship management team. Kerwin Deese will serve as City of Costa Mesa's Banker and Relationship Manager. Your Treasury Services Relationship Manager, Beth Davidson, will lead the Treasury Services team. All of your day- to-day account handling will be managed by a dedicated Client Service Professional (CSP) Jeff McCullough. Your local team will also serve as key contacts for the various City agencies utilizing the Bank's services. Page 3 T.1 . Morgan Role Relationship Manager Address 3 Park Plaza, Suite goo Irvine, CA 92614 Phone (949)833-4061 Fax (949) 264-1315 Email kerwin.p.deese ftmorgan.com Responsibilities Kerwin will lead the City's banking team focusing on the quality delivery of our services. He will: ■ Serve as your primary point of contact for the bank's full capabilities. ■ Recommend products and services that meet the City's needs and goals, including financing solutions, treasury management and other banking services. ■ Oversee delivery of products and services including financing, treasury services and other financial services. ■ Address your overall satisfaction with the J.P. Morgan banking relationship. Biography Kerwin P. Deese has over 12 years of banking and account management experience and is focused exclusively on public sector clients in Southern California. He primarily serves large municipalities and water districts in the region, and provides financial consultation for the financing of working capital, fixed assets and other forms of required capital. Kerwin previously served as a banker and commercial credit officer to the middle market where he provided treasury and financing solutions to help his clients streamline their operations and grow their businesses. His cash management and credit underwriting experience allows him to be a valuable resource in helping his government clients with operational efficiency and risk management initiatives. A graduate of Florida State University, Kerwin holds a double major in Multinational Business Operations and Marketing. He is an active member of the California Municipal Treasurers Association and California Society of Municipal Finance Officers. Page 4 T.1 . Morgan Responsibilities Role Treasury Management Officer Address 3 Park Plaza, Floor 9 Irvine, CA 92614 Phone (949)833-6637 Fax (949)833-4737 Email elizabeth.l.davidson@jpmorgan.com Beth will assist the City in resolving working capital and efficiency challenges by providing information and offering ideas from the J.P. Morgan's Treasury Services team. She will: ■ Recommend cash flow optimization strategies, including ways to streamline financial processes. ■ Assist the City in realizing day-to-day operational efficiencies in alignment with your treasury service goals. ■ Provide targeted information to you about new products, market developments and industry trends. ■ Monitor the City's implementation for successful service delivery. Biography Beth Davidson is the treasury management officer that supports public sector entities in Southern California. Prior to moving to California in 2013, Beth supported public sector clients in the greater Houston area and has worked with municipal clients for the past five years to solve their cash management challenges. She provides support for receivables, payables and liquidity to help her clients manage their unique cash management objectives. Beth prefers a consultative and collaborative approach when discussing treasury solutions with her clients. Beth joined J.P. Morgan in 2005 and has worked in corporate accounting, retail banking and treasury services operations. She earned her Bachelor of Science in Finance and Political Science in 2006 from Miami University. Page 5 T.1 . Morgan Responsibilities Role Client Service Manager Address 201 North Central Avenue, 7th Floor Phoenix, AZ 85004 Phone (602) 221-1383 Fax (602) 221-1682 Email jeff.mccullough(&chase.com Jeff will be the City's escalation point of contact of any account servicing issues. With his understanding of all aspects of J.P. Morgan's Treasury Services' product functionality and technology, Jeff will facilitate the timely resolution of all service issues from his service team. His specialized knowledge of fraud prevention tools provides advice on asset and data protection. Jeff will: ■ Serve as manager of the overall client experience from a service perspective ■ Assist your designated client service professional by leveraging internal stakeholders towards issue resolution or remediation ■ Provide information, communication, training and guidance to the service team around various treasury products and services, policies and procedures, risk and controls Biography Jeff McCullough began his career at the firm as a teller in 1995• Jeff developed an in-depth knowledge of treasury products which has been essential in creating a track record for the successful implementation of complex applications. Through his work ethic and dedication, Jeff establishes strong relationships with his clients. Jeff has been a client service manager for the past eight years, supporting client service teams in the Arizona, California and Colorado markets. In his 19 years in the banking industry, Jeff has worked in a variety of roles in operations and customer service, focusing primarily in management. He has led or been a participant on several of the service organization's project teams focused on the client experience and overall satisfaction with the firm. Jeffs background and experience allows him to provide value-added service and effective problem -solving solutions for clients and his service teams. • Compliance and Exception - Include a statement to confirm the bank's compliance to the specific minimum qualifications in item a, listing any exceptions to required services. J.P. Morgan acknowledges the bank's compliance to the specific minimum qualifications listed below. a. Minimum Qualification To be considered for selection, proposer must have at least the following qualifications: • Be a Federal or State of California chartered financial institution. JPMorgan Chase Bank, N.A. is a national banking association, organized and existing under the laws of the United States pursuant to a charter issued by the Office of the Comptroller of the Currency. Deposits in JPMorgan Chase are insured by the FDIC as provided by law and regulation. Page 6 T.1 . Morgan Be a member of the Federal Reserve System and have access to all services. JPMorgan Chase Bank, N.A. is member of the Federal Reserve System. • Be a qualified State depository for public funds. JPMorgan Chase Bank, N.A. is a qualified depository for public funds in California. Be a full service financial institution in good standing among other comparable banks and have a location within five (5) miles of the City Hall located at 77 Fair Drive, Costa Mesa, CA 92626. J.P. Morgan Chase Bank, N.A. is a full service financial institution and we are in good standing as evidenced by our credit ratings. J.P. Morgan has 20 commercially -enabled branches under the familiar Chase brand located within 5 miles of your location. • Be capable of providing the services sought by the City, which include a wide range of electronic payment and deposit services. The bank is capable of providing all services requested by the City in this RFP; however our team would like to have further discussions around the City's branch depository needs. We look forward to working with City staff to determine the most efficient, secure and cost-effective way to handle these deposits. Additionally, the Bank will guarantee the pricing in this proposal for the next three years at which time any future pricing increases will be subject to the negotiation of mutually acceptable revised pricing terms. Be adequately capitalized to accommodate the City's cash and investment management needs. This includes, but not limited to, a minimum $1 million daylight overdraft facility, subject to credit review by the financial institution. J.P. Morgan continues to be well -capitalized under regulatory definitions and we can adequately accommodate the City's needs. The following is for JPMorgan Chase Bank, N.A., as of June 30, 2015: • Common Equity Tier 1 Capital ratio 12.7% • Tier 1 Capital Ratio (replacement for Tier 1 Risk -Based Capital Ratio) 12.7% • Total Capital Ratio (replacement for Total Risk -Based Capital Ratio) 13.9% • Tier 1 Leverage Ratio (replacement for Tier 1 Leverage Capital Ratio) 8.2% (est.) Page 7 T.1 . Morgan The bank is required to collateralize public funds deposits under the California Government Code, Sections 53651 and 53652. Copies of the reports Med with the State of California shall he M Please detail the bank's procedures for collateralizing public funds deposits. See Collateral Reporting below. What types of securities are used as collateral? Can the City select the type of collateral used? See Types of Securities Pledged below. The City cannot select the type of collateral used. Which bank department is responsible for tracking deposits and monitoring collateral? See Departments Responsible for Tracking Collateral and Reporting to the State below. • What is the bank's current level ($ amount) of California public funds deposits and the related collateral? As of 10/21/15 California local agency deposits were approximately $353MM with approximately $548MM in pledged securities. • What is the frequency of reporting to the State Treasurer's Office? The Bank reports weekly and quarterly to the State Treasurer's Office. Collateral JPMorgan Chase Bank, N.A. ("Bank"), National Collateral Management Group ("NCMG") employs a Bank -developed Corporate Collateral Management System ("Coast"), which provides daily monitoring of deposit balances and security value for collateralization purposes. Coast is reviewed daily (business day) by dedicated Collateral Managers for customer's collateral requirements. Collateral requirements are based upon the end -of -day ledger, deposit account (checking, savings, depository CDs) information (plus accrued interest if any), less applicable FDIC coverage, plus applicable margin (110%). The end of day deposits balances are uploaded into Coast the following business morning from the Bank's deposit system. For example, February 20, 2014 end of day deposit information will be received the morning of 02-21-2014. NCMG monitors the market value securities pledged to our customers and compares to the collateral requirements. In the event a market value reduction creates an under -collateralized position, additional securities will be pledged promptly. Collateral is Pooled for all Local Agency Government Customers The Bank complies with the collateralization processes established by California Code and procedures of the LASP Administrator. Page 10 T.1 . Morgan Types of Securities Pledged As of February 20, 2014, the Bank is pledging U.S. Treasury securities to secure Local Agency Deposits. The amount and types of collateral pledged are subject to change, but will comply with California Government Code (for local agency deposits, Cal. Gov't Code §§ 53651, 53651.2, 53651.6 describes eligible collateral) and rules established by the Local Agency Security Program (LASP) Administrator. Bank's current level ($ amount) of California public funds deposits As of 9-9-15 the level of California Local Agency deposits was approximately $325 million. Custodian for the Collateral Securities The Bank currently employs Union Bank of California as third -party custodian to hold collateral for the LASP. Collateral Priced/Marked to Market The Bank employs an independent, third -party pricing agent for collateral valuation. Dependent upon the types of securities pledged, the Bank will update security prices (marked to market) daily, weekly and monthly, as provided by the pricing agent. Also, dependent upon the types of securities pledged as collateral, Union Bank of California prices pledged securities daily, weekly and monthly. Departments Responsible for Tracking Collateral and Reporting to the State The Bank has two groups for tracking collateral and reporting: Corporate Financial Reporting (CFR), which conducts all reporting to the LASP Administrator, and NCMG, which conducts security pledging (and other collateral transactions) with the LASP Administrator. Collateral Reporting The Bank is unable to provide collateral reporting for the California pool program customers because the collateral pledged covers all public fund pool participants and is not segregated to a specific customer. Request of proof of collateralization can be submitted to: Department of Business Oversight Division of Financial Institutions 1515 K Street STE 200 Sacramento, CA 95814 Phone: (916) 323-7013 or (916) 322-1547 Fax: (916) 323-3024 E-mail: Patrick Lum, Patrick. Lum(@dbo.ca.gov or Karen Cunningham, Karen.Cunningham .dbo.ca.gov Page 11 T.1 . Morgan The City compensates for bank services primarily with compensating balances and is charged for any deficiencies based on monthly account analysis. Please indicate the following in this section; • List the financial institution's Earnings Credit Rate (ECR), and how it is calculated and applied. J.P. Morgan is offering the City an Earnings Credit Rate of our Standard Managed rate + 0.05% for a current rate of 0.25%. JPMorgan's Standard Managed rate is currently 0.20°/x. The ECR is bank managed and set by reviewing prevailing market and competitive rate conditions. In setting rates for the ECR, J.P. Morgan analyzes several market factors. We review relevant competitor pricing, short and long term rate indices and economic trends. We maintain pricing flexibility by not pegging to any one index which may be volatile over short periods. Our pricing strategy is to provide clients with competitive economic value for all cash balances. In doing so, we provide value-added, sustainable pricing that clients can use in forecasting their own cash flow needs. The rates are reviewed periodically and updated based on market conditions. We always inform our clients when rates are due to change. J.P. Morgan uses the following formula to calculate the monthly earnings credit allowance: (Average Monthly Investable Balance x ECR x Actual Number Of Days in Month) Actual Number of Days in Year List the financial institution's ECR for the past twelve (12) months. CreditEarning Standard .g•d Rate 0.200% November 2014 December 2014 0.200% January 2015 0.200% February 2015 0.200% March 2015 0.200% May 2015 0.200% June 2015 0.200% July 2015 0.200% August 2015 0.200% September 2015 0.200% October 2015 0.200% November 2015 0.200% Page 12 T.1 . Morgan • Please explain, in detail, how and when the FDIC assessment is computed and charged. J.P. Morgan charges a Premium Assessment Fee (PAF), which is a monthly administrative fee assessed to address various regulatory and other charges affecting J.P. Morgan. In calculating the earnings credit rate (ECR), J.P. Morgan currently does not deduct the reserve requirement from the available balance. Since Oct. 1, 2008, the Federal Reserve has paid interest on reserves held at the Federal Reserve by member banks. J.P. Morgan passes this benefit to clients by basing the earnings credit on 100% of the eligible balance of non-interest bearing demand deposit accounts. The following formula is used to calculate the PAF: the Charge Rate x Monthly Average Positive Ledger Balance x (Actual Days in Month / Actual Days in Year) • Does the City have the option of compensating on fees or balances basis or, a combination of both? Please describe any difference in related costs to the City with either option. J.P. Morgan accepts compensation based on fees and/or balances, with no difference in unit prices. Fee Compensation: If the City chooses a fee compensation plan, it would manage its accounts to minimize collected balances and would not use balances to offset any service charges. Total service charges are debited from designated accounts. Balance Compensation: To offset service charges, the City can choose to leave balances in its accounts and receive an earnings credit allowance. If the average available balances are sufficient, the earnings credit allowance offsets the service charge. Should the level of balances not fully cover the fees, any remaining service charges are debited from designated accounts. • What is the financial institution's settlement period for account analysis and billing purpose - monthly, quarterly, semiannually or annually? How long can any excess balances be carried forward to apply to charges in future billing periods? Billing statements are generated monthly, regardless of settlement period. Billing statements are available online via J.P. Morgan ACCESS by the 6th business day of the month. As the standard option, J.P. Morgan offers monthly settlement where clients are debited on the 15th calendar day of each month. Alternative schedules are subject to negotiation. Earnings credit is calculated and applied within the billing cycle and excess credit amounts can not be carried forward outside of the settlement period. Page 13 J.1 . Morgan Please explain exactly what type of items and services can be applied against the City's account analysis in addition to standard bank services. J.P. Morgan will prepare an account analysis statement each month identifying all services provided, product volumes, and the resulting service charge incurred by the City. Please see Bid Form for a detail of items and services applied against the City's account analysis. The statement captures monthly summary of the City's balances and service charges. Analysis statements are provided for each account and on a group summary basis. What procedure is used to make any adjustments to Account Analysis statements and how long does it take for adjustments to take effect? The City must notify J.P. Morgan in writing of any errors or not receiving an account analysis statement within sixty (60) calendar days after the statement is mailed, transmitted or made available online. Any errors are researched thoroughly so appropriate corrections can be applied to the account. Details of adjustments for prior periods are provided in separate sections of the account analysis statement. Please state the negative collected balance charge that the City will pay and, in detail, explain how this charge is computed. Is the rate quoted in this proposal good for the term of the contract? Please provide escalation clauses. J.P. Morgan does not charge at this time for either intra -day credit (IDL) or intra -day liquidity (Fed daylight overdraft) usage arising in the context of normal clearing activities, which is current market practice. J.P. Morgan charges for the use of end of day (EOD) uncollected funds by applying a daily variable overdraft (OD) rate to individual Demand Deposit Accounts (DDAs). A fee for overdrafts, which can be offset by an earnings credit allowance, may be assessed on a per -occurrence basis. The formula for negative collected balance fee is as follows: (Negative collected Balance x OD Rate) / 360 days Page 14 J.1 . Morgan The City and the Successor Agency for the City's Redevelopment Agency currently use six (6) accounts. Two of the accounts are Zero Balance Accounts. Please describe in detail the institution's ability to provide services to this type of accounts. Entity Name Account Type Average Positive Ledger Balance City of Costa Mesa Checking Account $2,453,000 City of Costa Mesa Bail Account $2,000 City of Costa Mesa Flex Benefit Plan Account $0.00 (Zero Balance) City of Costa Mesa Vendor Payment Account $8,800 (Zero Balance) City of Costa Mesa Workers' Compensation Account $124,000 Successor Agency for the Checking Account $578,000 Redevelopment Agency of the City of Costa Mesa J.P. Morgan acknowledges the requirement and can provide the City with ZBA accounts and DDA accounts as described above. Page 15 T.1 . Morgan ACH Direct Deposit of Payroll: The City utilizes direct deposit services for its bi-weekly payroll. Each payroll run has approximately 600 employees using the direct deposit service and 900 accounts to which the funds are deposited. Please address the following: Describe the bank's procedure in detail for receiving electronic payroll data and any back-up plans for data transmissions. The City's employees can receive automatic electronic payroll payments to a designated checking or savings accounts using J.P. Morgan's ACH system. One or two days in advance of the designated payday, the City will send J.P. Morgan a file containing the total amount to be paid electronically to the employees' designated account. The offsetting amount will be charged to the City's designated account at J.P. Morgan on the day of settlement (payday). For larger volume transactions, J.P. Morgan recommends that the City utilize direct transmission. Using industry standard applications, you will create a transaction file in standard NACHA format. You will then transmit the file to J.P. Morgan through a common protocol such as FTP. The transmission is encrypted and sent to the bank for final ACH processing. Lower volume ACH transactions can be performed using J.P. Morgan ACCESS Online. Using ACCESS Online, the City's authorized users will be able to enter the required ACH payment details in the fields provided. In addition to initiating payroll, ACCESS Online can also be used for ACH and wire disbursements and concentration. The City can supply prearranged payment and deposit (PPD) files for next day credits. However, for the City employees to receive funds as available balances for ATM withdrawals on payday, you must deliver the file to J.P. Morgan by 8:00 p.m. PT two (2) business days prior to the settlement date. The file can then be processed in the earliest ACH processing cycle so that the receiving depository financial institutions can post the credits to the employees' accounts by open of business on payday. Backu The City can initiate online transaction reversals in a secure manner, using J.P. Morgan's eServe service, or by initiating requests via file transmission. You may delete an entire file by contacting your dedicated CSP, Jeff McCullough, or the ACH Transmission Services Group by phone at (813) 432- 3800. We also suggest that the City use J.P. Morgan ACCESS Online Payments to send payroll information as a back up to sending files via direct transmission. J.P. Morgan ACCESS Online requires no software other than a supported web browser and can be accessed from remote locations. Discuss screening measures that the bank uses to minimize errors on files sent to the bank (i.e. pre -notes, ABA screening, etc.). Describe the processes and timing available for file/error correction. Return Item reporting, including reporting of administrative returns are sent to clients on a daily basis via a number of different reporting methods, including direct transmission, email, fax and online via J.P. Morgan ACCESS Online. Page 16 T.1 . Morgan Indicate the transmission deadlines for direct deposit ACH files, including date and time when the bank needs the file from the City and when funds are debited from the City's account. 15ame-day settlement will occur if both the debit and credit accounts are held at J. P. Morgan. Next -day settlement will occur when an involved account is not held at J.P. Morgan. ACH PPDs must be received two business days in advance. 2 If later deadlines are required, this should be discussed with your relationship team. Page 17 J.1 . Morgan Please describe the financial institution's on-line transfer service capability and what specifically is recommended for the City's use and consideration. • What is the process for initiating wire transfers? Please include the deadlines. J.P. Morgan recommends that the City use the Payments functionality of J.P. Morgan ACCESS Online to initiate wire payments. We also offer transmission initiation via Host -to -Host Payments, telephone with a PIN or SWIFT initiation. Initiation via the Internet — J.P. Morgan ACCESS Online J.P. Morgan ACCESS Online makes it easy to initiate and manage payments. With just a few clicks, the City can make wire transfers, ACH, and foreign exchange transactions. It is fully customizable which means the City can create your own filters and views for ease in reviewing payments. It also supports recurring payments via templates wherein locked fields allow for added security. J.P. Morgan ACCESS Payments is a fully integrated function within the J.P. Morgan ACCESS Online platform. The City will have the ability to access all services via single sign -on. J.P. Morgan ACCESS Online integrates reporting, productivity tools and security administration services with the Payments functions, so you can perform activities across applications using a common workflow that saves time and eliminates hassle. J.P. Morgan ACCESS Online is simple and intuitive, making payments easier, with little or no learning curve. Benefits • Streamline the workflow – Manage all transactions within one place • Make recurring payments – Manage recurring payments using customizable templates • View balances while making payments – Critical information is at your fingertips • Rely on powerful security – Robust security protocols designed to help protect your privacy, preserve data authenticity and maintain strong operational controls J.P. Morgan ACCESS Online was designed based on customer feedback so that all capabilities are in sync with the daily activities of treasury managers. All payment methods, i.e. Wires, Book Transfer, Drafts, U.S. account transfer and ACH, are accessible from a single location and use a consistent, easy -to -follow work stream. Templates J.P. Morgan ACCESS Online provides for a common set of intuitive templates for every payment method. For example, the City can easily create beneficiary templates with lockable and editable fields to set up recurring/repetitive payments. There are many ways to customize the user experience. The Payments views can be configured with flexible sorting and filtering options to display only the features you use—in the order you prefer. Page 18 T.1. Morgan Wire Transfer Initiation via J.P. Morgan ACCESS Payments J.P. Morgan ACCESS Online payments functions offer a complete range of funds transfer services supporting U.S. dollar and multicurrency payments, using both predefined (repetitive) templates and free -form formats: • The City establishes user entitlements. The City's Security Administrators can authorize users to add, modify, delete, approve and/or release wire transactions, as well as add, modify, delete, approve and activate predefined templates. • A J.P. Morgan client confirmation number is provided immediately upon release to the funds transfer processing platform. • Confirmation codes are accessible using cash reporting features. • Wires (Fedwire and CHIPS), Book Transfers, Checks, Account Transfers, U.S. Drawdown transaction initiations are supported. • Future -date capability is available, supporting: ■ 365 calendar days for same -currency wires initiated from U.S. and non -U.S. accounts ■ Multi -bank payments wherein you can initiate Wires from non-J.P. Morgan accounts. Initiation via CPU (File Transmission) — Host -to -Host Payments With a transmission using Host -to -Host Payments, J.P. Morgan's global disbursement outsourcing solution, the City can streamline operations and reduce expense by transferring from your office to the bank many of the tasks involved in payment initiation and reconcilement. Electronic links can be established between a client's Enterprise Resource Planning (ERP) systems — e.g., SAP®, Oracle®, PeopleSoft® — or legacy platforms, which enables sending formatted payment files — containing wire, ACH, foreign exchange and check instructions — to J.P. Morgan for routing and execution. The bank supports a number of translation formats including EDI ASC ANSI X12, UN/EDIFACT, SAP IDoc, ISO20022, and proprietary J.P. Morgan formats. Telephonic Wire Transfer with a PIN Telephonic wire transfer with a PIN can be used as a primary and/or backup method of wire initiation. Benefits include: • Ability to transact higher valued wires • Per transaction limit clients may initiate wires based on balance availability • Currency clients may initiate in foreign currencies to overseas institutions • Extended hours vs. online or branch initiation, which allows for repetitive or free -form transactions • Security via segregation of duties: initiation/confirmation Page 19 T.1 . Morgan The City sets up this service via a "Security Procedure Authorization for Telephone Transfers with PINs Agreement." For security, users will be assigned a user ID and PIN for initiation and/or confirmation, along with a PIN Activation code. Users call an Interactive Voice Response system (IVR) to confirm PIN activation, change that to a PIN of their choosing, and then can initiate and/or confirm wires. For wire initiation, callers will be prompted to enter and verify their user ID and PIN using a touch-tone telephone keypad. Once the system has validated the security codes, users will be prompted to enter and verify the debit account number. For repetitive wires, users may complete transactions via self- service options or by speaking to an operator. Free -form wires will be completed by speaking to an operator. If they choose the self-service option for repetitive wires, they will be prompted to speak their repetitive line name and then enter and verify the value date and dollar amount of the wire. Once completed, the operator or IVR will provide a transaction reference number. For payments requiring confirmation, confirmers are required to call the money transfer line (IVR) to perform the confirmation. Clients will be prompted to enter and verify their user ID and PIN using a touch-tone telephone keypad. Once the system has validated the security codes, the client will be informed of the number of transactions available for confirmation. Clients will have the option to proceed to a transaction using a transaction reference number or proceed to the first transaction awaiting confirmation. (If the client chooses transaction reference number, they will be requested to enter the 10 -digit transaction reference number.) The system will read the transaction details and provide the following options: repeat the details, approve, cancel or skip the transaction. Once approved, cancelled or skipped, they will be prompted to proceed to the next available transaction awaiting confirmation, if applicable. Hours of operation are Monday -Friday from 5:30 a.m. to 3:30 p.m. PT. • Describe the financial institution's incoming and outgoing electronic money transfer services. Include safeguards and security measures offered by your services. J.P. Morgan ACCESS Online incoming and outgoing electronic money transfer services are done via Payments. Helping the City prevent wire transfer fraud on your accounts is a high priority for J.P. Morgan. In addition to J.P. Morgan ACCESS Online's security features, the Administration functions and implementation options offer the City the ability to choose settings and features that help prevent fraud. • ACCESS Online uses multi -layered security designed to protect the City's data and transactions. • ACCESS Online automatically prevents a single user from performing all actions (create, approve and release) on a single payment, even if the user is entitled to create, approve and release. • For those functions that demand an extra level of security, ACCESS Online provides two -factor authentication via RSA SecurID® token technology. • PSTP or Portable Security Transaction Protocol, a patent pending technology developed by J.P. Morgan, uses SecurID devices to digitally sign transactions and provide a level of security formerly available only using digital certificates. • The City can setup ACCESS Online with strict controls over user access to functions and accounts. This also helps to enforce compliance with internal audit requirements while enhancing security. Some of the available fraud prevention options include: Page 20 T.1. Morgan ■ Enabling IP filtering to restrict access by limiting authorized users' ability to log on from only IP addresses you designate. ■ Customizing the payment approval process by creating rules that determine the number and identity of approvers for different types of transactions, including separate approval rules for repetitive templates and free form wires, as well as the order in which that review must occur. ■ Separating duties, accounts and approval workflows, the City can help reduce the risk of fraud or compromised data. the City's Security Administrators are the only individuals able to assign users with transaction initiation privileges. ■ Limiting each ACCESS Online user to a single, designated computer. ■ Establishing transaction and daily aggregate limits at the account and user level. ■ Creating templates with payment details to prevent wires from being initiated and executed without prior approval of the recipient bank account numbers and template details. Please provide a description or sample of the institution's funds transfer agreement. How are the authorization levels established for transfers? Please see Attachment 1 for a sample copy of the account service terms and agreements which incudes the funds transfer agreement. The City's security administrators use the online entitlement -provisioning tool under User Setup Forms, to create, approve, modify and delete additional users of accounts, services and functions. Page 21 T.1. Morgan The City currently utilizes armored truck services to transfer deposits. • Please identify your branch locations within five (5) miles of City Hall. J.P. Morgan offers a variety of check and cash deposit methods. With average deposits/change orders exceeding Chase branch thresholds, the City will use our vault services for deposits and/or change orders. We briefly summarize vault services below. Additionally, we welcome the opportunity to consult with you regarding some alternative deposit methods such as remote deposit via Image Deposit Direct. Our solutions allow the City to enhance internal processes, increase safety for employees, and expedite collection. You will be credited in accordance with the Availability Schedule in Attachment 2. The City would contract with an armored courier to drop off deposits or pick up currency orders from our vault in Los Angeles. Our goal is to offer the right depository solutions no matter what your needs. We focus on facilitating and safeguarding the process with proven products, services and client care. Further, as the #2 - depository bank in the United States, J.P. Morgan is committed to this business, and has made the investments to maintain greater control over the quality and efficiency of each transaction. Our cash vault services allow you to: • Make cash deposits from all your locations via armored courier to any of our 100+ cash vaults. • Get same-day provisional credit for cash deposits made one to five hours later than the Federal Reserve allows. • Receive detail unique location ID reporting (ULID) by using preprinted deposit tickets with the location information. Your selected armored courier will pick up your deposit bags and deliver them to our Los Angeles cash vault site, where they will be processed and credited to your account by cash vault processing specialists using our state-of-the-art equipment. If we receive your deposit prior to your established local cutoff time (8:00 p.m. for cash -only and 3:30 p.m. local time for mixed deposit at the Los Angeles vault, we can update your account with a provisional same-day ledger credit, allowing for the possibility of cash deposits to be converted into usable funds on the same day. Your cash -only deposit transactions will post to your designated demand deposit account (DDA) with the deposit bag number and deposit ticket date, making accounting for your cash activity easier than ever. Verification of the cash will occur within 48 hours. Should any discrepancies arise, you can request a mailed advice on the day following verification, email notification of adjustment information or access to our Web Currency Services portal to view your account detail. Adjustments will also post electronically through our information reporting system, as well as on your bank statement. A cash credit or debit adjustment with the dollar amount, the City account number, original deposit amount, original deposit date, processing vault ID and adjustment reason will be included. Page 22 T.1. Morgan Branch Services — Business Deposit Express J.P. Morgan's Business Deposit Express solution provides currency and coin deposit and ordering services to clients who do not use an armored courier, make smaller deposits or require small change orders on a regular basis via our retail branch network. Smaller deposits are defined (per day, per branch) as: Less than $10,000 Maximum of 15 deposits Maximum of 100 checks per deposit Please note that coin deposited at a branch must be in separate coin bags. Small change orders are defined (per day, per branch) as: Less than $5,000 The City may make cash deposits over the counter or at any time through the depository vault (night depository) at any commercially -enabled Chase branch. Business Deposit Express requires the use of recyclable dual -pouch, tamper-resistant plastic deposit bags for each deposit. By using the plastic deposit bags, branches can post -verify deposits containing cash. Deposit verification of all cash will be completed within two business days of receipt of the deposit (three days if the deposit is package forwarded to a commercial vault for verification). Our 5 commercially enabled branches within five miles of City Hall, along with hours of operation, are listed in the table below. Branch Name Address Hours of Operation Mon -Fri 9:00 - 6:00 Baker Street 1455 Baker St Costa Mesa, CA 92626 Sat 9:00 - 4:00 Newport Blvd and 17th Street 105 E 17th St Mon -Fri 9:00 - 6:00 Costa Mesa, CA 92627 Sat 9:00 - 4:00 Irvine and 17th 1000 Irvine Ave Mon -Fri 9:00 - 6:00 Newport Beach, CA 92660 Sat 9:00 - 4:00 MacArthur Fairview 2781 W Macarthur Blvd, Ste F-1 Mon -Fri 9:00 - 6:00 Santa Ana, CA 92704 Sat 9:00 - 4:00 South Coast 3600 S Bristol St Mon -Fri 9:00 - 6:00 Santa Ana, CA 92704 Sat 9:00 - 4:00 Page 23 T.1 . Morgan As a business practice, we regularly review branch and ATM activity which may result in branch openings and closings, ATM placement or removal, or in the change of branch bank or ATM functions. Therefore, branch bank and ATM locations and functions may change from time to time. • Please describe the institution's required deposit preparation for check, currency and coin. J.P. Morgan prefers that paper checks and currency are on separate deposit tickets. This allows for greater efficiency in processing the deposit. In most cases, the bank does not require separation. An exception is that for coin deposits in excess of $10, the bank requires a separate deposit slip. How would the City order cash vault supplies? How is payment made for such supplies? The City orders deposit tickets and other supplies directly from J.P. Morgan. The bank debits deposit tickets, endorsement stamps and depository bag fees directly from the City's account. Other depository supplies may be charged through account analysis. Please describe in detail the financial institution's procedures for handling deposit adjustments. What documentation on discrepancies does the bank provide? Deposit Adjustments J.P. Morgan posts the deposit adjustment to J.P. Morgan ACCESS and the bank statement as a deposit credit or debit adjustment with the dollar amount and store location number whether the deposit is delivered to a vault or branch. The vault also offers the following notification options: • Email: Next -day notification for all deposits and adjustments processed during the prior processing day • Phone: Notification by noon the following day for all adjustments greater than $100 • Receipt Mailer: Mailed next day for all deposits, adjustments and change orders processed during the prior processing day The standard delivery method for adjustment advices for paper deposits and remote capture deposits (IDD — see 41 below) is the U.S. Postal Service. J.P. Morgan mails adjustment advices within one business day of verification. The bank mails the advice to the address listed on the deposit ticket. The store/location number can be included on the adjustment advice. • For Cash deposit adjustments, the bank is not able to mail an adjustment advice to an alternate address, nor can it send copies to multiple addresses. • For Paper Check deposit, the bank can mail a second copy of the adjustment advice to an alternate address. • Please describe the financial institution's returned item handling and notification procedures. Is an automatic re -clear option available? How long does it take for returned items to be sent to the City? J.P. Morgan maintains a comprehensive database that details the City's return item handling instructions. During the check clearing process, the paying bank may return deposited checks for a number of reasons, including non sufficient funds (NSF), uncollected funds, stop payment, account closed, etc. The bank routes most returned items through the Federal Reserve System to regional return item processing areas. During the account implementation process, the bank helps setup the Page 24 T.1 . Morgan solutions to best meet the City's needs in managing returned checks. J.P. Morgan can provide a variety of optional services to the City's needs for handling return items, including: • Posting Options • Notification Options • Automatic Redeposit • Store/Location Reporting • Centralized Returns • Re -presented Check Entry (RCK) J. P. Morgan automatically redeposits return items if they have been returned for a reason that is eligible for redeposit, such as Non Sufficient Funds (NSF). Return items can be redeposited one time. Re -presented Check Entry (RCK) allows up to two redeposits if an item is eligible. The redeposits can occur one time by paper and another by ACH, or through two ACH presentments with no paper redeposit. Page 25 T.1 . Morgan Please describe the services available from the financial institution to accommodate the City's J.P. Morgan supports the ability to originate a full range of U.S. ACH transactions and related remittance data, including the TXP-formatted CCD+ transaction for tax payments. J.P. Morgan also offers repetitive and free -form funds transfer (wire) payments that may be used to create federal and state tax payment transactions. In addition, J.P. Morgan provides payment initiation services through J.P. Morgan ACCESS Online, our browser -based application. We also support repetitive and free -form funds transfer (wire) payments, which may be used to create federal, state and municipal tax payment transactions. Page 26 T.1 . Morgan The City transacts State of California Local Agency Investment Fund (LAIF) transfers on a regular basis and receives Federal, State and County electronic payments. • Please describe the LAIF transfer process. Are the transfers done by telephone, email, fax, wire transfer, etc.? How is the accuracy of transfers assured? Transfers to LAIF Investment transfers to LAIF will be initiated by the City via J.P. Morgan ACCESS Online Payments and posted to the State via wire transfer. The City can be confident that J.P. Morgan employs a sophisticated authentication and encryption system to maintain the security of all value -bearing data. J.P. Morgan policy requires authentication or encryption to help ensure the integrity of these transactions. Authentication relies on encrypted key technology to provide a safe, cost-effective way to help ensure the validity of financial transactions that are transmitted electronically. This system, comprising both computer hardware and software, confirms that none of the message elements in a transmission have been altered. To authenticate items processed by the City, J.P. Morgan proposes the following three -component system: an authentication unit (sometimes called a black box), an authentication key and a crossover switch. J.P. Morgan works with government clients in the State of California to promote compliance with State procedures for LAIF investment transactions. Note that the following are general procedures, and that the City is encouraged to confirm with LAIF to be sure they are in receipt of contracted instructions specific to the City: For same day transactions, LAIF must be contacted by 10:00 a.m. PT. 15 total transactions per month are allowed, which include both deposits and withdrawals. Transaction amounts should be in thousand dollar increments with a minimum of $5,000. Withdrawals of $10 million or more require at least a one -day advance notice to LAIF. Future -dated transactions can be requested up to 10 calendar days in advance. Verbal acknowledgment must be initiated by authorized City personnel prior to funds transfer. Transfers from LAIF The City will need to select a transfer bank other than J.P. Morgan to be used for remitting any withdrawals requested from the fund. The transfer bank that you select will be the bank from which your withdrawals will be wired. It is NOT the bank TO which your funds will be sent. Funds will be transferred to the City's designated account at J.P. Morgan. • What is the charge per transfer to LAIF? From LAIF? There is a $2 fee for incoming and outgoing transfers. Page 27 T.1 . Morgan Does the bank have an office in Orange County that maintains a direct DDA banking relationship with the State Treasurer's office and the State Controller's office? J.P. Morgan has an office in Sacramento with a direct DDA banking relationship with the State Treasurer's Office and the State Controller's Office. Is the bank an approved State of California depository? JPMorgan Chase Bank, N.A. is a qualified depository for public funds in California, cementing our commitment to the State of California and to the unique needs of its counties, cities and municipalities What is the charges for the deposit of Federal, State and County electronic payments? Electronic deposits will be charged according to payment type (wire or ACH) per the attached pricing sheet/bid form. As described above, LAIF incoming and outgoing transfers will be charged as book transfers ($2 per transfer). Page 28 T.1 . Morgan The City currently utilizes a web- based on-line system to perform a variety of processes, such as placing stop payments, obtaining cancelled check image and accessing on-line balance Reporting information for all accounts using a PC and the internet. Please describe the financial institution's on-line banking and information reporting system(s) including a list of all services provided and its respective costs. The City will have online access to daily account balances, wire transfers, check status inquiry, image retrieval, stop payment requests and more with J.P. Morgan ACCESS Online. Our electronic banking portal, J.P. Morgan ACCESS Online, offers the City a highly intuitive and easy to use cash management solution that seamlessly integrates all treasury activities through a secure platform using a single authentication process. The Easier Way to Work — ACCESS Online provides a robust online platform that enables you to manage all cash management needs through one channel and through a single authentication process. After studying daily workflows and listening to input from hundreds of users, J.P. Morgan has designed the online solution that fits the way you work. The home page places critical information — administration, payments, reporting — at your finger tips. It's simple, intuitive, and integrated. ACCESS Online represents the next generation of cash management tools. Administration Made Easy — ACCESS Online makes managing and monitoring administrative tasks virtually effortless. Its capabilities provide security administrators with a faster and easier way to manage user entitlements, take action on requests, and assign or delete products in a matter of minutes. Designed to match typical workflows, it also provides the flexibility to customize screens and set specific search parameters. Powerful Security — J.P. Morgan's robust security protocol is designed to help protect your privacy, preserve data authenticity and maintain strong operational controls. ACCESS Online allows complete flexibility for the City's security administrators to designate the rights of each user on the platform maximizing productivity by making sure users are properly entitled and assigned to the right products. By separating duties, accounts and approval workflows, the City can help reduce the risk of fraud or compromised data. • Reports Made Easy — ACCESS Online provides a powerful, easy-to-use reporting tool for creating up-to-the-minute reports from a single location. You can easily view a high-level snapshot of your balances or a comprehensive transaction history. Standard reports show balance, transactions, returns, exceptions, and controlled disbursement activity. Customizable templates enable you to refine reports to show information the way you want it. • Payments Made Easy — ACCESS Online offers an entirely new way to initiate and manage payments. With just a few clicks, you can make all key transactions (wire transfers, ACH and liquidity investments) from a single screen. It is fully customizable which means you can create your own filters or templates with locked fields for added security. Page 29 T.1. Morgan • Fully Integrated —ACCESS Online is seamlessly integrated across all treasury services and activities, which means you can do your job without logging out or switching systems. Navigating the system is easy. You can customize the way information is shown seeing only the features you need to manage your accounts. Its smart, consistent design ensures flexibility with a familiar look and feel — no matter where you are working in the system. With a single sign -on, the City's authorized users have the ability to review and manage data, customize treasury activities, initiate payments, coordinate entitlements and respond to changes. The system is designed to fit the way the City works. The difference is apparent immediately on the home page, which consolidates critical information in one place. ACCESS Online provides critical information immediately upon logging onto the system. From the Cash Position users can view balances and underlying transactions for all accounts, make payments, and run reports. Users can also establish their own account groups for display and reporting purposes. A combination of user entitlements and preference settings determines what each user sees when he or she logs on. Users can also find information quickly using robust search tools and configure a variety of system alerts which can be viewed online and via email. The following is an overview of transaction types and reports/inquiry services that can be initiated via ACCESS Online. Balance Reporting Whether your cash is in one or multiple accounts, ACCESS Online puts critical cash management information and tools at your fingertips, and the unparalleled experience of J.P. Morgan at your service. ACCESS Online allows the City to retrieve real-time and previous day posting of information each business day. The cash position of accounts held by us and other financial institutions worldwide in any currency can be viewed in an online, secure environment. Current day information is available beginning at 12:01 a.m. ET and is updated throughout the business day as processing completes on applications such as lockbox, wire, ACH, returns and DDA. Previous day information is available by 4:00 a.m. PT. Several master reports form the foundation of the ACCESS Online centralized reporting capability. Each format can be customized to create reports tailored to specific needs. These include: • Balance and Transaction Report • Checks Paid Report • Returns and Exceptions Report • Wire Detail Report • Payment and Template Reports • EDI Reports (previous day only) • Customized Formats – list of customized reports that have been created by the user. • Master Formats – list of report templates available to the user (based on entitlements) to run with default settings and use as a foundation to create a multitude of customized reports that can be scheduled to run automatically on a recurring basis and/or shared with other users Page 30 J.1 . Morgan • Reports Inbox — a container for generated reports, where ad hoc reports remain for 24 hours and scheduled reports remain for 14 days. A variety of filters can be employed to pinpoint desired transactions for enhanced data management, as well as provide your authorized users the ability to create, customize and run up-to-the-minute standard and customized reports on your accounts. Reports can be scheduled with the frequency and format desired by each user and shared with other users. An export feature offers a variety of formats to facilitate data integration with your accounting and decision support platforms. Balance and transaction information is available in the following formats: • BAI2 • Comma -separated Values (CSV) • SWIFT MT942/MT940 • Formatted reports The City can also export data from ACCESS Online to Microsoft Excel and other software packages. Wire Transfers ACCESS Online offers a complete range of funds transfer services providing the City with the ability to initiate wire transfers using a variety of payment options. Strict control over user access to functions and accounts facilitates compliance with internal audit requirements, while enhancing security. Accounts can be held with J.P. Morgan worldwide or other financial institutions. ACCESS Online can accommodate both clients who want free -form payments for immediate availability as well as those who prefer to build repetitive lines using templates. Clients with higher volumes can import transactions for easy approval and release, allowing for seamless integration with their existing account systems. ACH For your lower volume and manual ACH payments, ACCESS Online saves you time by providing a standardized workflow across all payment types allowing your authorized users to initiate and manage ACH, wire and account/book transfers from the same screen, in the same way. Following single sign - on and with just a few clicks, your authorized users can make payments, create templates, view account balances and customize pages. Reporting, productivity tools and security administration services are integrated within the Payments functions as well allowing you to perform activities across applications using a common workflow that saves you time and eliminates waste. ACCESS Online is simple and intuitive, making payments easier, with little or no learning curve. The City's authorized users can create templates to support a complete menu of U.S. ACH transactions with all template information stored securely with J.P. Morgan. Transactions based on templates or entered in free -form mode are created by the City, then batched, approved and released for processing. ACH files generated through ACCESS Online are retrieved and processed several times each business day for next -day processing. For non -repetitive payment, free form ACH payments also can be created without the need to establish a stored template. Page 31 J.1 . Morgan ACH files generated through ACCESS Online are delivered for processing nine times each business day, Monday through Friday. Checks To streamline multiple disbursement functions into one application, ACCESS Online allows your authorized users to: • Place or revoke stop payment. • Submit check issues. • Cancel a check issue. • Exception return for positive pay, reverse positive pay and ACH transaction review. • Reverse positive pay check adjustment. • Submit check print requests, either file or manual entry. Online Inquiry and Image Retrieval ACCESS Online provides online image history inquiry for seven years. Additionally, ACCESS Online provides an advanced upfront check search functionality that provides the City with the complete status of each check. The City can perform single and range -based searches by account number, check number and amount, sequence number, paid and issue date and payee name. The results tell you whether the check is still outstanding, has an active or revoked stop, is canceled (voided), was returned or has paid. Images are available online the day checks are presented for payment; users enter various search criteria and cut and paste paid check images. The solution also offers a number of viewing functions (i.e., front and back, zoom, etc.) Stop Payments Stop payments can be placed online through ACCESS Online, either directly from within the "Stops" function or more efficiently, by using the "Inquiry" function, where the check numbers are validated against the issued items. Additionally, stops can be sent via file transmission. When placing stops via ACCESS Online, the system will search 90 days transaction history to identify if the check has been paid (extended retention periods are available). If J.P. Morgan's records show the check has been paid, the system will report the date the item was paid. Once the stop payment is submitted, the City will receive online confirmation of the successful stop request. This can be printed or downloaded as needed. Furthermore, stop payment activity reports are available through ACCESS Online. Stop payments are effective for one year and will automatically renew annually for six additional years unless revoked. Page 32 T.1. Morgan Security Administration The Administration capabilities are as flexible and customizable as the other areas of ACCESS Online. You can customize views, set specific search parameters, and easily assign products and user entitlements. Requests to add or delete users are initiated online by a security administrator and must then be approved by a second Security Administrator to be effective. Users can quickly be added or deleted by the City. After initial client setup as described below, security administrators may use the electronic entitlements capability within Administration to add, delete or modify a user within minutes. Once the new user profile has been established, your security administrator may clone the entitlements of another user. Additionally, through the creation of User and Account Groups, the City can further speed up the entitlement process and changes. User and Account groups allow you to assign or modify entitlements to multiple users simultaneously. Changes made to User and Account groups are automatically applied to each member of the group, all done in a single workflow, making it simpler and faster to manage user and account entitlements. Mobile access to your information is separately entitled by your security administrator. Access via a Mobile device may be terminated at any time by the City's security administrator. Establishing Authorized Users During implementation of ACCESS Online, the City will provide initial security administrator user information. After signed acknowledgements are processed, security administrators begin establishing entitlements for authorized users. ACCESS Online automatically creates initial, temporary user passwords. When a new user first logs in, they are required to change this, entering a password of their choice that meets required parameters. Passwords must be different from user names and contain six to eight characters, of which there must be at least one numeric and one alphabetical character. Passwords automatically expire every 90 days. Users may change their passwords at any point prior to expiration and Security Administrators may reset passwords prior to their expiration date. Please see Bid Form for all related cost and pricing. What are the current computer hardware and software specifications for the financial institution's on-line system? J.P. Morgan ACCESS Online supports the operating systems and Internet browsers listed in Attachment 3. For optimal performance, the bank requests that the City confirm that its systems meet the recommended hardware and software standards. At what time (Pacific Standard Time) is prior day information available? Can the City obtain current day information? Current day information is available beginning at 12:01 a.m. PT and is updated throughout the business day as processing completes on applications such as lockbox, wire, ACH, returns and DDA. Please include in this section: sample copies of prior day and current day (if available) reports that would be the best example of the system's capabilities. Please see Attachment 4 for J. P. Morgan ACCESS Online sample reports. Page 33 T.1 . Morgan • Can the reports be customized for the end-user or exported to Excel? Several master reports form the foundation of the J.P. Morgan ACCESS Online centralized reporting capability. Each format can be customized to create reports tailored to specific need and exported to Excel. • What types of security measures are in place? How is the assignment of user I.D.'s and passwords managed? J.P. Morgan deploys a variety of security measures to authorize and authenticate users to information technology resources including hardware devices such as servers, routers, switches, etc. Security measures may include, but are not limited to, two -factor authentication. Access to applications and systems are granted based on user's job responsibilities and upon approval of the user's manager and the system owners. A central identity access management group provides system access administration. Security Administrators for ACCESS Online are established with their own security credentials (user ID, password) and digital signature authority (RSA SecurID®) first. They can then create and approve additional users of accounts, services and functions using the online entitlement -provisioning tool. To help meet client audit controls, J.P. Morgan requires two Security Administrators to be involved in user setup and maintenance. Additionally, if Security Administrators are entitled to use product functions, such as cash reporting, wire initiation, etc., two other Security Administrators must prepare and approve the product function entitlements. Dual control is enforced as follows: One Security Administrator establishes users for services — ACH, wire, balance reporting, etc. — and functions — transaction initiation, transaction approval, release, reporting with account assignment, etc. • A different Security Administrator approves the users for the accounts, services and functions established by the first Security Administrator. To provide a complete audit trail, the system date/time -stamps and associates all actions executed to a request within the platform, including the user who performed them. These requests are available online and as download reports for historical review. • What is the bank's contingency plan for providing this information if the event of unexpected bank system problems or natural disasters? As an integral part of normal business operations within J.P. Morgan, every manager in the firm is responsible for developing and maintaining resiliency plans as part of the firm wide Resiliency Management Program, part of the firm's Global Resiliency and Information Technology Risk Management department. Page 34 T.1. Morgan Resiliency activities of J.P. Morgan must comply with and are governed by several agencies that have laws, rules and regulations. Within the firm's policy, requirements have been defined for each critical business process to provide essential business and technology service levels to comply with resiliency requirements of the Office of the Comptroller of the Currency, the Federal Financial Institutions Examination Council (FFIEC), the Interagency White Paper on Sound Practices to Strengthen the Resilience of the U. S. Financial System and regulatory agencies within the different geographic regions. Resiliency planning is also commonly referred to by terms within the industry as business continuity, disaster recovery and contingency planning; they all represent the process whereby financial institutions ensure the maintenance or recovery of operations and service to their clients. Resiliency plans must explicitly address the business, operations and technology components of a business process, including those critical processes and functions provided by outside service providers and industry utilities. Contingency locations are an integral part of resiliency planning. In combination with the firm's testing program the locations ensure that the business resiliency plans remain accurate, relevant and operable to minimize disruption to our clients. Critical resiliency plans are tested annually, at a minimum, to verify the effectiveness of alternate locations and to demonstrate that the plans remain accurate and executable. J.P. Morgan's resiliency plans are subject to reviews by J.P. Morgan's Internal Audit Department and the Resiliency Risk Management group, which acts as the firm's governing body for Business Resiliency measures. The plans must address and comply with documented organizational requirements. All findings are escalated to the business units, Risk Management and division executive for review. The firm's Board of Directors reviews the status of the overall resiliency program on an annual basis. J.P. Morgan's exercises commercially reasonable efforts to ensure that the firm meets our obligations to you and to all of our clients. The firm's resiliency program provides comprehensive business impact analysis, risk assessment, resiliency planning and testing to ensure we can manage our risk and our clients risk within a reasonable time period. A summary overview of J.P. Morgan's CIB business resiliency planning is provided for your review in Attachment 5. If you require more detail regarding our business resiliency planning methodology, we will be pleased to arrange a meeting for you with members of our business resiliency staff. Does the bank offer electronic delivery of statements, reports and notices? J. P. Morgan does offer electronic delivery of statements, reports and notices. J.P. Morgan supports ED1822 version 4010, and delivery is available via: • Direct Transmission: Once a secure FTP connection has been established, the monthly file is available by the sixth business day for download. • Secure Email Distribution: An embedded link in a secure email links to the file for download. Page 35 T.1. Morgan The City requires daylight overdraft protection for the occasional situations whereby timing differences occur between incoming wires or LAIF transfers and outgoing wires. • Describe any issues, concerns and charges associated with the use of a daylight overdraft facility. Recognizing a client's credit standing and reputation, an appropriate intraday credit limit will be made available to make sure your transactions flow smoothly and efficiently through our systems. This limit is electronically verified by our Funds Transfer Balance Control System. Payments within the limit, plus the current cash position in your account, will instantly flow through to the appropriate execution mechanism. Should a payment take your account balances over the intraday limit, the transfer will be stored electronically and referred to your funds control officer in the Transaction Approval Group (TAG) for approval. If covering funds are received while the payment is stored, the transfer will be automatically released without manual intervention. One important feature of our system is the ability to group designated accounts together into a single relationship for intraday credit purposes. This provides for the release of payments when the total balance and intraday limit in your grouped accounts is sufficient. Will the bank guarantee payment of all items even if it results in the account being overdrawn temporarily for the day? The Bank cannot "guarantee" that all items drawn on the City's accounts (that are otherwise properly payable) will be paid, irrespective of available balances in the funding account. While the Bank typically does not charge for "daylight" overdrafts, it must reserve some discretion over the total exposure even for these transactions, and overnight overdrafts would be subject to the limitations imposed by any line of credit established for such purposes. Page 36 T.1 . Morgan As part of any conversion, the City requires an efficient transition to the new service provider or to enhanced services with its existing service provider. • Please describe the overall plan the financial institution would coordinate to ensure a smooth conversion. When the City selects J.P. Morgan as your banking services provider, to help ensure a smooth implementation/transition, an implementation project manager will be assigned to serve as your primary point of contact throughout implementation to validate the requested solutions, establish timelines for implementation, and coordinate with the necessary teams across the City's departments. Please refer to Attachment 6 for the sample implementation plan. J.P. Morgan views the implementation process as a pivotal phase of a long standing relationship and a key opportunity to demonstrate the value of our expertise and consultative capabilities. From the moment you award us your business, our commitment is to integrate our products and services into your organization smoothly and efficiently. From the moment you award us your business, our commitment is to integrate our products and services into your organization smoothly and efficiently. We are committed to: • Clearly understanding your product and service requests • Serving as your primary point of contact throughout the implementation process • Developing clear implementation plans and goals for product start-up • Coordinating the setup and installation of J.P. Morgan products • Earning your satisfaction throughout the implementation process The Implementation Process An established project flow and framework is followed when executing the setup of products and services. Figure 1 Page 37 T.1 . Morgan Your implementation project manager works with you to validate the solutions you have requested, establishes timelines for implementation and then coordinates with the necessary teams across your organization and ours to complete the setup. Your implementation project manager's overall responsibilities include: • Forwarding new account documentation, file specifications, start-up packet(s) and procedure manuals to the client • Contacting the City's designated representative(s) to complete all required documentation and determine specific product instructions • Reviewing and completing product questionnaires with the City as appropriate • Opening required accounts • Ordering necessary depository supplies • Coordinating with Operations to make sure all products are set up to the City's specifications • Coordinating any necessary file and transmission testing with the technical implementation resource, which includes: ■ Transmission options review and setup ■ File testing ■ File security ■ Ensuring that all test results are reported to appropriate individuals ■ Ensuring that all reports and elements of file testing and processing are examined ■ Updating all parties on progress • Providing any required training or other assistance as needed • Monitoring initial depository activity and confirming all depository products are working as expected • Coordinating the hand-off to the Client Service Professional (CSP) for ongoing servicing Please refer to the sample agreements provided in Attachment 1. The sample agreements are current templates as of the date of this RFP response; however, these agreements may be modified by the bank from time to time. At the time of your implementation, you will receive the required agreements to be executed from your implementation project manager. Please describe the on-site training to the City's staff for the operation and use of the services selected? How is the training typically structured? J.P. Morgan supports training during implementation via several different mediums. Specific training options available may be product specific, and your implementation project manager will work with the City and internal staff as needed to determine the appropriate training needed for each area of the implementation and coordinate scheduling. Examples of training options include: • On-site Visits • Webinar Training • Online Tutorials Page 38 T.1. Morgan • Phone Training • Sample Communication Materials • Help Files • Quick Reference Guides • User Guides Ongoing support is also provided by the client service and technical support teams via phone. Additionally, training and support provided by the bank does not end once we have implemented your account process and services. We believe continued support is critical to our overall account relationship. For example, your client service professional will continue to be your ongoing contact to help be sure that your expectations are consistently met. Please provide a detailed time line schedule and applicable charges for the conversion plan. Please refer to Attachment 6 for an implementation plan. Applicable charges have been provided in the Bid Form. • What size of conversion allowance will the financial institution provide to the City? Please state a specific dollar amount or identify those supplies, products or services included. In order to assist the City with this transition, we are pleased to offer the City a credit of $3,000 that will be applied to account analysis. Additionally, we are including up to 2 scanners free of charge ($1500 value) for the implementation of our remote deposit service. Page 39 T.1 . Morgan The City requires assurance of ability to provide financial services in the event of a major emergency and during the disaster recovery period. • Please describe in detail, the financial institution's compliance with the State and Federal regulations pertaining to this area. Resiliency activities of J.P. Morgan must comply with and are governed by several agencies that have laws, rules and regulations. Within the firm's policy, requirements have been defined for each critical business process to provide essential business and technology service levels to comply with resiliency requirements of the Office of the Comptroller of the Currency, the Federal Financial Institutions Examination Council (FFIEC), the Interagency White Paper on Sound Practices to Strengthen the Resilience of the U. S. Financial System and regulatory agencies within the different geographic regions. Resiliency planning is also commonly referred to by terms within the industry as business continuity, disaster recovery and contingency planning; they all represent the process whereby financial institutions ensure the maintenance or recovery of operations and service to their clients. J.P. Morgan's resiliency plans are subject to reviews by J.P. Morgan's Internal Audit Department and the Resiliency Risk Management group, which acts as the firm's governing body for Business Resiliency measures. The plans must address and comply with documented organizational requirements. Critical resiliency plans are tested annually, at a minimum, to verify the effectiveness of alternate locations and to demonstrate that the plans remain accurate and executable. All findings are escalated to the business units, Risk Management and division executive for review. The firm's Board of Directors reviews the status of the overall resiliency program on an annual basis. • Please describe testing of core service applications and system that assure information backup, anti -intrusion and other privacy requirements. We have established policies and assigned responsibilities to verify that appropriate contingency plans are developed and maintained for each business area that supports J.P. Morgan ACCESS Online. The intent of these contingency plans is to assure the continued operation of critical systems in the event of a disaster, emergency or other unforeseen events threatening interruption of these systems. J.P. Morgan exercises commercially reasonable efforts to ensure that the firm meets our obligations to the City and to all of our clients. The firm's resiliency program provides comprehensive business impact analysis, risk assessment, resiliency planning and testing to ensure we can manage our risk and our clients risk within a reasonable time period. Page 40 T.1. Morgan Please describe operational diversification and geographic dispersal of service centers. J.P. Morgan's global footprint provides built-in redundancy for many core processing, operations and service delivery functions. J.P. Morgan has strategically located data centers and operation centers throughout the world. This geographic distribution helps to reduce the impact of a local disruption on our business. Each location has at least one defined and tested recovery site with connectivity to applications and a tested plan for relocating to the alternate site and resuming business. Contingency locations are an integral part of resiliency planning. In combination with the firm's testing program the locations ensure that the business resiliency plans remain accurate, relevant and operable to minimize disruption to our clients. In addition to your dedicated and back-up client service professionals, the Commercial Banking Service Center is staffed with client service professionals who can help with routine requests The City should contact the City's dedicated client service professional, Jacob, for assistance with day-to-day banking transactions if online capabilities and functionality are temporarily unavailable. Page 41 T.1 . Morgan Please complete per form shown in Exhibit A. In addition to submitting with proposal responses, this form must also be submitted in Excel format with the proposal package. Fees related to all services described in the proposal must be listed on this form - even if the service is not shown on the form. Also, please include any one-time set-up charges, equipment costs, research fees and all other fees that will be charged. Include any incentives or price breaks based on volume, timeliness, or rebates. Please state the period of validity for these fees. Please find the attached completed bid form and the Bank's corresponding Comprehensive Fee Schedule. The Bank will guarantee the pricing in this proposal for the next three years at which time any future pricing increases will be subject to the negotiation of mutually acceptable revised pricing terms. Page 42 T.1 . Morgan EXHIBIT A City of Costa Mesa - Banking Services Bid Form (Mark Items Clearly if "No proposal" or "Contracted to Third Party") Items TOTAL BALANCE & COMPENSATION INFO Dep Insurance - Bank Assessment GENERAL ACCOUNT SERVICES Account Maintenance CHECK PAID - REPORT Credits Posted - Other Debits Posted - Other ZBA-Deposititory+Master Maint ZBA-Subsidiary Account Maint DEPOSITORY SERVICES Banking Center Deposit CKS Dep Un -Encoded Items CURR/COIN DEP/$100-BKG CTR Curr/Coin Dep/$100-VLT (Charges per $1,000) Deposit Correction -Non -Cash MAIL NOTIFICATION-RECEIPT-VLT RETURN SINGLE ITEM ADV Returns-Chargeback Returns-Reclear Vault Deposit Vault Deposit -Extended Hours PAPER DISBURSEMENT SERVICES ARP Positive Pay Notify ARP PPAY Input File -Trans ARP PPAY MAINT-NO RECON ARP PPAY NONRECON INPUT ITEM CD ROM DISK CD ROM MAINTENANCE CD ROM PER IMAGE General Checks Paid Truncated IMAGE RETRIEVAL CPO Stop Pay Automated<= 12 months GENERAL ACH SERVICES ACH Blocks Auth Instructions ACH Blocks Auth Maintenance ACH Consumer Off US Credits ACH Consumer On US Credits ACH Credit Received Item ACH Debit Received Item ACH Input -File ACH Monthly Maintenance ACH Notify of Change (NOC) ACH Optional Reports -Mail ACH Return Item ACH Standard Reports - Mail Estimated Per Unit Cost Total Monthly Estimated Total Monthly Cost Annual Cost Unit Volume 3042 6 10 60 720 1 0 0 101 0 0 32 0 0 1 10 10 120 1 5 5 60 19 3 57 684 2248 0.25 562 6744 1 0.003 0.003 0.036 279 1 279 3348 2 5 10 120 22 0 0 5 0 0 5 7 35 420 8 5 40 480 4 1 4 48 18 0 0 0 182 0 0 0 6 10 60 720 1 15 15 180 1099 0.07 76.93 923.16 1 20 20 240 1 10 10 120 934 0.02 18.68 224.16 934 0.15 140.1 1681.2 5 0 0 2 15 30 360 3 0.5 1.5 18 1 5 5 60 1546 0.08 123.68 1484.16 258 0.08 20.64 247.68 87 0.06 5.22 62.64 60 0.06 3.6 43.2 6 5 30 360 1 15 15 180 1 1 1 12 18 10 180 2160 1 2 2 24 2 10 20 240 Express Tax Fax Receipt 4 0 0 PC Tax Payment 4 0 0 WIRE & OTHER FUNDS TRNSF SVCS Book Credit 3 2 6 72 CPO ACCOUNT TRANSFER 11 1 11 132 CPO GP Cust Mnt Temp Storage 11 0 0 CPO GP Mthly Maint Basic 1 0 0 Elec Wire Out -Book DB 2 2 4 48 Elec Wire Out -Domestic 7 4 28 336 Wire Advice -Mail 3 1 3 36 INFORMATION SERVICES CPO Online Subscription 1 0 0 0 CPO Prem IR Maintenance 1 0 0 CPO Prem PDR Account 2 25 50 600 CPO Prem PDR Itm Stored 909 0.1 90.9 1090.8 Unit Service Description Price BRANCH ORDER PROCESSED $2.5000 DEPOSITORY SERVICES CHECK DEPOSITED -ON US $0.1500 CHECK DEPOSITED -TRANSIT $0.2500 CHECK IMAGE DEPOSITED $0.0700 IDD MONTHLY MAINTENANCE FEE $20.0000 RETURN ITEM $7.0000 RETURN ITEM REDEPOSIT $5.0000 RETURN - EMAIL NOTIFICATION $1.0000 REQUALIFICATION OF RETURN ITEM $3.0000 DISBURSEMENT SERVICES CHECK / DEBIT POSTED $0.1500 PAPER CHECK RETURN $6.0000 IMAGE STORAGE PER ITEM $0.0200 PWS CHECK INQUIRY MAINTENANCE $15.0000 PWS RECON REPORT/STMT MAINT $0.0000 PWS IMAGING MAINTENANCE $0.0000 STOP PAYMENT - ELECTRONIC $15.0000 FUNDS TRANSFER SERVICES ELECTRONIC BOOK DEBIT S/T $2.0000 ELECTRONIC BOOK DEBIT REPAIR $7.5000 ELECTRONIC FED DEBIT S/T $4.0000 ELECTRONIC FED DEBIT REPAIR $14.5000 ELECTRONIC CHIP DEBIT S/T $12.0000 ELECTRONIC CHIP DEBIT REPAIR $14.5000 ELECTRONIC CHECK DEBIT S/T $30.0000 ELECTRONIC CHECK DEBIT REPAIR $40.0000 ** ELECTRONIC LINESHEET SET-UP $0.0000 REPETITIVE INSTRUCTION STORAGE $0.0000 BOOK CREDIT $2.0000 FED CREDIT S/T $4.0000 FED CREDIT REPAIR $14.5000 CHIPS CREDIT S/T $12.0000 CHIPS CREDIT REPAIR $14.5000 MAIL DEBIT ADVICE $1.0000 MAIL CREDIT ADVICE $1.0000 JPMORGAN ACCESS CLIENT MAINTENANCE $0.0000 ACCOUNT MAINTENANCE $25.0000 TRANS REPORTED - 45 DAY $0.1000 ACCT TRANSFER ITEM $1.0000 PREMIUM ASSESSMENT FEE PREMIUM ASSESSMENT FEE $299.1700 RECONCILIATION SERVICES FULL RECONCILEMENT - PER ITEM $0.0800 FULL RECONCILEMENT - MAINT $75.0000 PARTIAL RECONCILEMENT - MAINT $60.0000 PARTIAL RECONCILIATION -PER ITM $0.0700 PAYEE NAME VERIFICATION $0.0150 Unit Service Description Price POSITIVE PAY MAINTENANCE $0.0000 EXCEPTION ITEM $2.5000 POSITIVE PAY NO RECON - MAINT $15.0000 ISSUE INPUT WITHOUT RECON $10.0000 CHECK EXCEPTION RETURN $20.0000 INPUT FILE TRANSMITTAL REPORT $2.0000 EXCESSIVE ARP REJECTS $2.0000 DATA ENTRY - MANUAL $2.5000 DEPOSIT RECON MAINTENANCE $60.0000 DEPOSIT RECON ITEMS $0.1000 CD ROM $20.0000 CD ROM MAINTENANCE $10.0000 IMAGE CAPTURE PER ITEM $0.0200 VAULT SERVICES VAULT DEPOSIT $1.0000 VAULT NIGHT DROP MAINTENANCE $0.0000 VAULT DEPOSIT PER $1,000 $1.0000 VAULT EMAIL NOTIFICATION $0.5000 VAULT DEPOSIT ROLLED COIN $0.2000 VAULT ORDER COIN ROLLS $0.1200 VAULT ORDER - COIN ROLL BOX $0.0800 VAULT ORDER COIN BAG LOOSE $3.7500 VAULT DEPOSIT IN NON STD BAG $1.0000 VAULT STANDARD ORDERS $5.0000 VAULT ORDER CURRENCY STD STRAP $0.3500 VAULT ORDER CURR NON STD STRAP $0.0250 VAULT DEP PARTIAL OR MIXED BAG $7.5000 VAULT DEPOSIT ADJUSTMENT $5.0000 VAULT DEPOSIT ADJUSTMENT NOTIF $5.0000 • Sample Account Analysis and User's Guide Please see Attachment 8 for the Sample Account Analysis and User's Guide. • Sample Account Statements Please see Attachment 8 for the Sample Account Statements. • Sample Prior Day and Current Day Reports Please see Attachment 4 for the Sample Prior Day and Current Day Reports. Page 48 T.1 . Morgan Sample Funds Transfer Agreement Please see Attachment 1 for our Sample Account Terms and Agreements. • Sample Contract for Deposit of Monies Please see Attachment 1 for our Sample Account Terms and Agreements. Page 49 T.1 . Morgan Please provide the most recent audited financial statements or annual report for the financial institution (a reference to electronic availability will suffice). Also include the institution's most current Standard & Poor's, Moody's and or Fitch credit ratings, where available. Credit Ratings J.P. Morgan is routinely rated by industry experts Moody's, Standard & Poor's, and Fitch. Ratings as of December 8, 2015 are shown below. Credit Ratings — December 4, 2015 JPMorgan-: Outlook Stable Negative Stable Long-term issuer rating A3 A A+ Short-term issuer rating P-2 A-1 F1 Senior unsecured A3 A A+ Commercial paper P-2 A-1 F1 Subordinated debt Baal A- A Trust Preferred Baa2 BBB- BBB Preferred stock JPMorgan Bal (on review for upgrade) BBB- BBB - Outlook Stable Stable Stable Long-term issuer rating Aa3 A+ AA - Short -term issuer rating P-1 A-1 F1+ Senior unsecured Aa3 A+ AA - Short -term P-1 A-1 F1+ Long-term domestic deposits AA2 N/A AA Subordinated debt Al A A Page 50 T.1 . Morgan Audited Financial Statements P. Morgan's most current Annual Report can be view via the link provided below: http://investor.shareholder.com/'pmorganchase/annual.cfm Page 51 T.1. Morgan See Attachment 1 for a sample of the City's standard personal services agreement. We have reviewed the form of agreement included in the RFP. Rather than providing a specific mark- up of the form provided, we provided a sample version of our standard form of Account Terms and representative Service Terms for the services that are the subject of the RFP in Attachment 1. In addition to those terms, a mutually agreeable contract will be entered into by the parties. Please note that we are amenable to discussing modifications to our Account Terms and Service Terms and incorporation of specific provisions where appropriate to try and meet your needs. However, please keep in mind that J.P. Morgan's policies do not allow for: • the provision of unlimited indemnities; • conveyance of intellectual property rights; • acceptance of consequential, incidental, or special damages; • liquidated damages; • agreement to miscellaneous laws, regulations, ordinances, codes, etc. that do not on their face apply to J.P. Morgan as provider of the services that are the subject of the RFP; or • deviations from the insurance coverage the bank carries The standard Account Terms and Service Terms, as applicable to services and accounts contemplated by the RFP, will be incorporated within the final agreement, except to the extent of modifications to which we have mutually agreed, as elsewhere set forth in the final agreement between us. In addition, any representations, warranties, certifications, and the like, which the RFP may otherwise impute to any proposer submitting a response thereto, are not incorporated into, and may not be inferred, as a result of this submission by J.P. Morgan. Page 52 T.1. Morgan What best practices have you identified in this industry space? Best practices for banking and other related operational processes vary greatly by agency size and type. The City's current banking needs and processes appear to be relatively straight forward. The greatest opportunities to create operational efficiencies lies in the ability to transition from paper to electronic and automate reporting where possible. We are proposing the use of our remote deposit capture service, and our J.P. Morgan Access platform will give City staff the tools needed to move in this direction. Our team looks forward to partnering with the City to identify other opportunities to improve efficiency, automation and service. Describe any services and technological enhancements not previously mentioned that should be considered for further improving the effectiveness of the City's treasury management operations, including procedures for Positive Pay processing and remote check deposits. We continue to invest our time and resources strategically to make sure that we remain technologically advanced and market -focused. Central to our relationship, is anticipating your future treasury services needs and wants. We make it our business to anticipate how to serve the City better. Your relationship team will deliver on this commitment. We provide you with a list of optional or value-added services below: • Image Deposit Direct • Purchasing Card • Positive Pay/Recon Image Deposit Direct Image Deposit Direct*', one of J.P. Morgan's remote deposit solutions, is an efficient and cost-effective electronic alternative to paper deposits. Image Deposit Direct is an end-to-end hardware, software and processing solution for eliminating paper check payments at branch locations, drop boxes, and internal retail and consumer lockboxes. To use Image Deposit Direct, the City needs a high-speed Internet connection, a desktop check scanner and a Windows-based PC. Features include: • Image Deposit Direct is for use in the U.S. only. Checks must be scanned from a U.S. location, drawn on a U.S. financial institution, in U.S. funds, into a U.S. J.P. Morgan domiciled DDA. • Image Deposit Direct accepts checks drawn only on U.S. financial institutions as well as business, government and consumer checks, U.S. Postal Money Orders, Western Union° Money Orders, demand drafts, government warrants, etc. • The City scans images of checks and transmits them electronically to J.P. Morgan for clearing. • Transmissions are conducted through secure HTTP protocols employing 128 -bit encryption. Page 53 T.1 . Morgan The bank maintains check images in an archive for online access. ■ Duplicates are detected when checks already scanned for deposit over a specific period of time are identified at scan time. ■ The City can remove a suspected duplicate check from the deposit or choose to continue to deposit it. • J.P. Morgan provides same-day ledger credit for checks received by the deadline. • An implementation specialist works with the City to set up Image Deposit Direct. • Check images are typically available at the image archive immediately after a deposit is submitted. J.P. Morgan maintains Image Deposit Direct images in the online repository for 25 months. • Image Deposit Direct maintains detailed deposit history reports that the City can easily download and import to an ERP accounting system. The City can download reports and view images at any time. Capture and Key from Image: Data and J.P. Morgan Cleared via: Image Exchange - Check amount Images deposit account - Customer account number -ACH (optional} I Fiaure 2 Fiaure 3 Image Deposit Direct Mobile Image Deposit Direct Mobile, extends the reach of a remote deposit service to the point check receipt, and is another efficient and cost-effective electronic alternative to paper deposits. It only requires a compatible smartphone device or tablet, connectivity service plan, a wireless signal, and a J.P. Morgan Demand Deposit Account. Page 54 T.1. Morgan Checks are received at Checksarescanned Checks must be client's offEce, drop boxes and each check and/or as walk-in may be marked so it shredded according payments cannot be reused to client guidelines Priorto clearing the images, full OCR and MICR read Checks are cleared via comparisonftagssuspect Online image archive image exchange checks for additional makes source documents inspection and virtual available for 25 months MICR repair Fiaure 3 Image Deposit Direct Mobile Image Deposit Direct Mobile, extends the reach of a remote deposit service to the point check receipt, and is another efficient and cost-effective electronic alternative to paper deposits. It only requires a compatible smartphone device or tablet, connectivity service plan, a wireless signal, and a J.P. Morgan Demand Deposit Account. Page 54 T.1. Morgan • Image Deposit Direct Mobile is for use in the U.S. only. Checks must be scanned from a U.S. location, drawn on a U.S. financial institution, in U.S. funds, into a U.S. J.P. Morgan domiciled DDA. • IDD Mobile is fully integrated with our existing IDD desktop solution providing all the same features and functionality via a PC. • To maximize organizational efficiencies, use IDD desktop scanners and Mobile solution together or stand alone. • The application is intuitive and easy to use, requiring minimal training or support. • Employees in the field can photograph and capture checks to the J.P. Morgan DDA. • An optional user field allows data entry of additional deposit information (numeric or alphanumeric characters only) that will flow through IDD with the associated check. • The check is uploaded and transmitted to J.P. Morgan for processing. • Review fourteen -day deposit history on the smartphone. • No sensitive data is stored on the mobile device once a deposit is completed. JPMC Corporal e a Corlwh ial dlents boated in the US receives paper checks from thefr cients far paymerdaf products & services. Nom: Checksmusthe scarred in the US. Checrsare photographed inihe tieldwilh a smarphone ornblet device -You maykaey in data using the IDD mobile solution. � WEST Duplicate checks, invalid MCRand Awebaecessbleimageandriue Miledimage quakiyare rejected on Checks captured onthe makes source daxrnerds the sranphone.CARIARvalidates snradphoreare cleared availablefor25months. the amondkoeyed-Wroatrhes asirnages. mustbe reloeyed. M* -0 _► #V_ Chec s received atyonr office, drop boxes orwakk in paymentdesls are captured on a desktop scannerYoumayakso scan images of coupons and heyin data using the IDD desktop solution. Figure 4 Full OCR and MCR security feahreseompare and flagsuspeddrec s for additional inspection and repair. IOAfailedilemsare rejected and mustbe resumed. CARAAR security features validate the amoudheyed. Any amount mismatches rrustbe reheyed. Checks areshwed and. Checks captured onthe sheddedaeeordrrgto desktopscanerare companyguidei cleared asirnages. C om man ac ronym s OCR. Optical characlerrecagnition CAR. Characteramountveucgnitior MICR tvlagneteinkcharacterrecognitior LAk Legalamourtrecogrnition Page 55 T.1 . Morgan Positive Pay/Recon J.P. Morgan offers clients both positive pay and reverse positive pay. Additionally, we have enhanced these products to include payee name matching. J.P. Morgan's positive pay service was designed for clients seeking additional fraud control. Each time clients distribute checks, clients using service electronically transmit all of the items issued against their controlled disbursement account(s). J.P. Morgan processes the daily checks -presented information against the client's input file and generates an exception report on a next -day basis, identifying all items that are presented with mismatched or no issue information on file. The review of exception items includes an image of the front and back of each check. With the ever-increasing use of Image Replacement Documents (IRD) and converted check information, J.P. Morgan now incorporates this electronic data into our positive pay process. These items are now included, along with the data from the traditional paper items, in the client's positive pay reporting. Clients using our reverse positive pay service receive a daily checks -presented file from J.P. Morgan on a same-day or next -day basis. Clients match the presented file to their reconciliation application to identify any exceptions. Optionally, a client may send the bank an exception file of all items that need to be reviewed (i.e. a kickback file). J.P. Morgan will load the exception items into our database, and then provide the client with access to the images of the exceptions via our Internet -based J.P. Morgan ACCESS Checks system the next day. Partial reconciliation reports are also available as an option for reverse positive pay clients. J.P. Morgan offers clients a complete range of account reconciliation services (ARP). All ARP services are optional and are designed to enhance reconciliation efficiencies. These services are described in further detail below. Page 56 T.1 . Morgan Full Reconciliation J.P. Morgan offers the City a complete reconciliation of outstanding and paid checks with the option of reconciling accounts by the week, month, fiscal or calendar year in format tailored to meet your needs. You provide us with detailed check issue data, including account numbers, check numbers, issue dates, dollar amounts and reference information (up to 15 bytes). The City chooses how you wish to supply this data: in a file transmission or by upload or manual key entry to J.P. Morgan ACCESS Checks, as warranted by the check activity in each account. With check issued data, J.P. Morgan will perform a full reconciliation of activity in the account, delivering a reconciliation report package online via J.P. Morgan ACCESS or on CD-ROM. The Standard Full Reconciliation package includes an account statement, balance sheet, paid and outstanding check listing, plus a summary including check number, issue date, amount paid and paid date. The City can receive Account Reconciliation Reports via the Internet. Cuslem%r Iaternaumal tida.,v I•�c /acMap. S»n 6a�. Fra 6rt. !Lacon 4elnin� .Ayq-15 � 00.':s�1i � SaarcR 1r -bo, A .9e01MIAP L'�A"CG AA Se&IAll Lrnwk-c[M ❑ -PA -. 0 Amann ❑ crn` vmr, Ll a*wge27-n ARP Pc Pay ❑ Rerm, Uaha F ae A I] VbUD i M32 -ARP Pm day s'avee Nome ❑ R—P of Pnynd n'", V ❑ I>,v, JFAp""A-ARF P- Pay Cl,,,3 i ❑ Lu563M111g SjeM tRevert W-1 Ac -1 0.tPA U-' On Of 94W View 7 DUx _D:" i. Gu A-JASumnidry Fl,.M 31Avg. 15 I.rl— I ❑ Vt*WD 7 C* -x K ivd R� rn­ ,P" Ftw-ft 31 +kw DNhODfl2F7t7 M -a e6[s .A C ­de Rh' Ns�Rep 31.Avq. 15 Vc y trbf10AC tw[siwljog Se111 m Repan 31 Jap•15 %,M* j Oah00LYf73Y PA r1 r" R^n Nkav� Raw^ 31 A+g-, 5 Vr ❑ WOOD= Pau Ody pagw5bc Rnn't 31 A1q.15 WN 0 tea] Rxap I> Poslcd klr 31 Jng 15 F1 MhOMM126Guetla�ual;rhM1Rpcd.xiwgiiepgi 31 FgrJ,.15 blew sawgp � Baer I1iS'aY I cae¢xi p.l na. s Lb�n a 7rt1a �PrwO++�as` %a Figure 5 Partial Reconciliation Partial Reconciliation provides the City with a detailed listing of checks paid against a disbursement account over a client -defined period of time. This service also details certain other categories, such as stopped checks. Checks are typically listed in check serial number sequence with the amount and date each check was paid. The reports are available via J.P. Morgan ACCESS Online or on CD-ROM. Page 57 T.1 . Morgan J.P. Morgan ACCESS Checks The City's reconciliation report package will be available online via J.P. Morgan ACCESS Checks, our Internet -based reconciliation product, within five business days from the close of a cutoff cycle. Data Download Clients can use the Data Download feature in J.P. Morgan ACCESS Checks to reconcile accounts or perform extensive research on check activity: • Data Download enables clients to download disbursement transaction detail information in a Comma Separated Value (CSV) or QuickBooks format file (QBO). • Transactions available for ARP include outstanding and cancelled check status transactions along with paid, stop payment and return transactions. • Non -ARP accounts will only have paid, stop payment and return transactions. • Clients determine filter. The options available include account number, transaction status category, date paid, and effective date; each request is tracked and fulfilled within the client's J.P. Morgan ACCESS Checks Inbox. If you activate this service, you will incur a monthly maintenance fee on your Account Analysis statement. Page 58 T.1 . Morgan Attachment 1. Sample Account Terms and Agreements Attachment 2. Availability Schedule Attachment 3. J.P. Morgan ACCESS Online Hardware and Software Specifications Attachment 4. J. P. Morgan ACCESS Online Sample Reports Attachment S. Business Resiliency Plan Overview Attachment 6. Sample Implementation Plan Attachment 7. Sample Account Analysis and Bank Statement User Guide Page 59 T.1 . Morgan Attachment 1. Sample Account Terms and Agreements ACCOUNT TERMS V1.4_02_24_15 INTRODUCTION This document, as amended or supplemented by account addenda for each country in which the Accounts are held, (collectively, the "Account Terms") contains the general terms, conditions and disclosures for the Accounts and Services selected by the Customer and constitutes an agreement between the Bank and the Customer. References to "the Bank" shall mean JPMorgan Chase Bank, N.A., and any of its affiliates. References to the "Customer" shall mean the entity to which the Bank, as an independent contractor, provides Accounts and Services, including any entity that is bound by a Subsidiary Election Agreement (not applicable in all jurisdictions), as may be amended from time to time. All accounts subject to the Account Terms are, regardless of their location, referred to as "Accounts". The Account Terms may be supplemented or amended as set forth in Section 17.6 (Amendments; Supplement; Waivers) herein. References to "Services" shall mean services offered by the Bank and subject to the Account Terms and any applicable Service Terms. References to "Service Terms" shall mean any terms and conditions regarding specific types of Accounts or Services that are subject to the Account Terms. In addition to the Account Terms and Service Terms, the Accounts are s4bject to other Account - related documentation, including signature cards and application forms (the "Account Documentation"). The Customer shall not transfer any of its rights and obligations in an Account or with respect to a Servic create any form of security interest over such rights and obligations in an Account, without the prior written consent of the Bank. Failure to obtain the ank's prior /consentstitutes a breach of these Account Terms by the Customer and may result in immediate closure of Accounts. The Account Terms, Account Documentation and Service Terms may vary applicable law to the maximum extent per aw. Any provision of applicable law that cannot be varied shall supersede any conflicting term of the Account Terms, Account Doe Terms. 1. Authorized Persons. 4v 'P* 1.1 Authorized Persons. The Bank is authorized to rely upon any document that identifies a person authorized to act on behalf of the Customer ("Authorized Person") with respect to the Accounts and Services, until the authority for such Authorized Person is withdrawn by the Customer upon written notice to the Bank, and the Bank has had a reasonable opportunity to act on such notice. The Customer will provide a specimen signature for each Authorized Person in the manner requested by the Bank. PF 1.2 Authorizations. Each Authorized Person is independent of the Bank, and, subject to any written limitation provided by the Customer and received and accepted by the Bank, is authorized on behalf of the Customer to: open, operate and close Accounts; overdraw Accounts as permitted by the Bank; appoint and remove Authorized Persons; execute or otherwise agree to any form of agreement relating to the Accounts or Services, including Account Documentation; execute guarantees, indemnities or other undertakings to the Bank in relation to guarantees, letters of credit or other financial transactions, or in relation to missing documents; draw, accept, endorse or discount checks, drafts, bills of exchange, notes and other financial instruments ("Items"); receive materials related to security procedures; and give instructions ("Instructions"), including requests and payment orders, by means other than the signing of an Item, with respect to any Account transaction. Without limitation, such Instructions may direct: (i) the payment, transfer or withdrawal of funds; (ii) the disposition of money, credits, items or property at any time held by the Bank for account of the Customer; (iii) the provision of access as described in Section 1.4 (Third Party Access) and Section 2.1 (Third Party Instructions) below; or (iv) any other transaction of the Customer with the Bank. 1.3 Facsimile Signatures. If the Customer provides the Bank with facsimile signature specimens, or if the Customer issues Items with a facsimile signature on one or more occasions, the Bank is authorized to pay Items signed by facsimile signature (including computer generated signatures) if the actual or purported facsimile signature, regardless of how or by whom affixed, resembles the specimens filed with the Bank by the Customer, or resembles a specimen facsimile signature otherwise employed for the Customer's benefit. 1.4 Third Party Access. The Customer may request that the Bank permit a third party to have access to an Account by submitting an access request in a form acceptable to the Bank (an "Access Request", and the third party designated in such form will be referred to as a "Third Party"). Each Third Party is authorized by the Customer to issue Instructions to the Bank in relation to an Account, including to initiate payments and transfers against an Account, and to access and receive balance and transaction information (including account statements, information reporting and transaction advices) by any method of communication, including the Bank's electronic channels, facsimile transmission, in writing, by telephone and SWIFT, and the Bank is authorized to act on such Instructions and provide such access as described in this Section and Section 2.1 (Third Party Instructions) below. Subject to the Third Party's completion of documentation required by the Bank, the Bank is authorized to act upon any Instructions issued in the name of any authorized person of the Third Party who has been nominated by the Third Party in a form acceptable to the Bank, and such authorized person shall be deemed an Authorized Person with respect to the provisions of these Account Terms relating to the use of the Accounts and the giving of Instructions with respect to the Accounts. The Customer ma ke an Access Request at any time by giving the Bank written notice of such revocation. 2. Instructions; Security Procedures. 2.1 Security Procedures Generally. When issuing Instructions, the Customer is required to follow the Bank's security procedures as communicated to the Customer by the Bank from time to time, including the procedures set forth herein, and shall be bound by such security procedures for use of the Service. Upon receipt of an Instruction, the Bank will use the security procedures to verify that the Instruction is effective as that of the Customer. A security procedure may require the use of algorithms or other codes, identifying words or numbers, encryption, call back procedures or similar security devices. It is understood that the purpose of the security procedure is to verify the authenticity of, and not to detect errors in, Instructions. The Customer shall safeguard the security procedure and make it available only to persons that it has authorized. Any Instruction, the authenticity of which has been verified through such security procedure, shall be effective Page 1 of 24 as that of the Customer, whether or not authorized. An authenticated SWIFT or host -to -host (secure communications channel for data transfer) message issued to the Bank in the name of the Customer shall be deemed to have been given by an Authorized Person. Security Procedure for Verbal or Written Instructions. Unless the Customer and the Bank have agreed in writing to an alternate security procedure, the Bank may verify the authenticity of verbal or written (including those transmitted by facsimile) funds transfer Instructions by telephonic call-back to an Authorized Person. The Customer agrees that this security procedure is commercially reasonable for such Instructions. Third Party Instructions. The security procedures applicable to Instructions from any Third Party shall be those security procedures established by the Bank with the Third Party. Any Instruction that the Bank receives from the Third Party, the authenticity of which has been verified through such security procedure, shall be effective as that of the Customer, whether or not authorized, and shall be deemed an Instruction given on behalf of the Customer for all purposes of these Account Terms. The Bank is authorized to act upon any Instructions received via any of the SWIFT BIC codes specified in an Access Request whether or not such SWIFT BIC codes are associated with the Customer or the Third Party. 2.2 Confirmations. If the Customer, other than with respect to security procedures, chooses to confirm an Instruction, any confirmation must be clearly marked as a confirmation, and, if there is any discrepancy between an Instruction and a confirmation, the terms of the Instruction shall prevail. Subject to Section 2.1 (Security Procedure for Verbal or Written Instructions), the Bank may, at its option, confirm or clarify any request or Instruction using any means, even if a security procedure appears to have been followed. If the Bank is not satisfied with any confirmation or clarification, it may decline to honor the Instruction. 3. Deposits. 3.1 Processing Incoming Items. All Items deposited or cashed are received for collection only, and are received subject to final payment. The Bank may agree with other banks and clearing houses to vary procedures regarding the collection or return of Items, and deadlines to the extent permitted by applicable law or practice. The Bank chooses the method of collecting Items and may use other banks in the process. The Bank will present Items in accordance with the custom and practice of the jurisdiction in which the Items are collected. The Bank is not responsible for actions or omissions of other banks, nor for the loss or destruction of any Item in the possession of other banks or in transit. The Customer shall use reasonable efforts to assist the Bank in locating or obtaining replacements of Items lost while in the Bank's possession. 3.2 Availability of Funds; Credits Not Received. Credits and deposits to an Account will be available in accordance with the Bank's availability policy and applicable law. If the Bank credits an Account: (i) in contemplation of receiving funds for the Customer's credit and those funds are not actually received by the Bank, or (ii) in reliance on a transaction which is subsequently returned, reversed, set aside or revoked, or if the Bank does not receive funds for the Customer's credit for value on the date advised by or on behalf of the Customer, or if final settlement is not received by the Bank for any reason, then the Bank shall be entitled to debit any Account of the Customer with the amount previously credited and/or with any other charges incurred, even if doing so creates or increases an overdraft. 3.3 Collection Basis Processing. If an Item is processed by the Bank on a collection basis, the Bank may defer credit or payment for a reasonable time, in accordance with its practices, without dishonor; and the Bank shall not be obligated thereon until it has remitted final payment. 4. Payment of Items. 4.1 Processing Outgoing Items. The Bank is authorized to pay any Item drawn on the Account, in accordance with the Bank's usual procedures, including any Item that purports to be a substitute check. The Bank is authorized to debit the Account on which the Item is drawn on the day the Item is presented, certified or accepted, or at such earlier time when the Bank receives notice by electronic or other means that an Item drawn on an Account has been deposited for collection. The Bank may determine Account balances in order to decide whether to dishonor an Item for insufficient funds at any time between receiving such presentment or notice and the time of the return of the Item, and need make no more than one such determination. 4.2 No Inquiry. The Bank is authorized to pay all Items presented to it or cashed at the Bank, regardless of amount and without inquiry as to the circumstances of issue, negotiation or endorsement or as to the disposition of proceeds, even if drawn, endorsed or payable to cash, bearer or the order of the signer or any Authorized Person or to a lender in payment of the signer's or Authorized Person's obligations. 4.3 Limitations. The Customer shall immediately notify the Bank if it becomes aware that any Items (whether completed or blank) are lost or stolen. The Customer shall not allow any third party to issue Items against or otherwise use the Accounts unless specifically agreed to in writing by the Bank. The Customer shall not issue Items that are post-dated, and the Bank shall not be liable for any damages caused by premature payment or certification of a post-dated Item. Further, the Customer shall not put any condition, restriction or legend on any Item, and the Bank is not required to comply with any such condition, restriction or legend. 4.4 Electronic Processing; Specifications. The Bank may process any Item by electronic means. All Items issued by the Customer against any Account must comply with industry standards and the Bank's check specifications and image standards, published from time to time. The Bank shall not be liable for damages or losses due to any delay or failure in procuring, collecting or paying Items not conforming to such specifications or standards, except to the extent such losses or damages are the direct result of the Bank's gross negligence or willful misconduct. Page 2 of 24 Funds Transfer Instructions. 5.1 Processing Funds Transfer Instructions. The Customer may issue funds transfer Instructions against Accounts, subject to the Bank's acceptance. Funds transfer Instructions will be received, processed and transmitted only on the Bank's funds transfer business days, and within the Bank's established cut-off hours on such days. Communications requesting cancellation or amendment of funds transfer Instructions must be clearly marked as such and received at a time and in a manner affording the Bank a reasonable opportunity to act on the communication. The Customer may reverse, amend, cancel or revoke any Instructions only with the consent of the Bank and, if applicable, the beneficiary's bank. The Bank will debit the Account for the amount of each funds transfer Instruction accepted by the Bank, and the Customer authorizes the Bank to debit the Account for, or deduct from the amount of the funds transfer, all associated fees, including debit and credit processing charges. In processing a funds transfer, other banks may deduct fees from the funds transfer. No restrictions upon the acceptance of funds transfer Instructions by the Bank or upon the Accounts that the Bank may debit shall be binding unless agreed to by the Bank in writing. The Bank shall not be required to inquire into the circumstances of any transaction. , 5.2 Acting on Instructions. Notwithstanding any Instructions by the Customer to the contrary, the Bank reserves the right to use any funds transfer system and any intermediary bank in the execution of any funds transfer Instruction and may otherwise use any means of executing the funds transfer Instruction that the Bank deems reasonable in the circumstances. 5.3 Inconsistent Name and Number. The Bank and other financial institutions, including the beneficiary's bank, may/is entifying number of the beneficiary, the beneficiary's bank or any intermediary bank included in a funds transfer Instruction, eva person different from the beneficiary, the beneficiary's bank or intermediary bank identifi�by name. 5.4 Foreign Exchange. If the Bank accepts a funds transfer Instruction issued in the Customer's name for paymenthe "Non - Account Currency") other than the currency of the Account (the "Account Currency"), the Bank is authorized to entexchange transaction to sell to the Customer the amount of Non -Account Currency required to complete the funds transfer and debit the Account for the purchase price of the Non -Account Currency. If the Bank accepts a funds transfer Instruction for payment to the Account in a Non -Account Currency, the Bank is authorized to purchase the Non -Account Currency from the Customer and to credit the purchase price to the Customer's Account in lieu of the Non -Account Currency. The purchase price for the foregoing transactions shall be at a rate and spread as the Bank determines in its discretion and may differ from rates at which comparable transactions are entered into with other customers or the range of foreign exchange rates at which the Bank otherwise enters into foreign exchange transactions on the relevant date. Any such foreign exchange transaction will be between the Bank and Customer as principals, and the Bank will not be acting as agent or fiduciary for the Customer. Foreign Exchange Cancellations, Reversals and Buybacks. Notwithstanding any prior action or course of dealing, subject to applicable law, the Bank has no obligation to cancel, reverse or otherwise buy back foreign currencies purchased by the Customer under a Service and the Bank makes no commitment to buy back currencies. The Customer acknowledges that it may not be able to sell back certain foreign currencies once purchased. ^111hall 5.5 Cancellation of Foreign Exchange Drafts. Subject to applicable law, the Bank may cancel any draft issued by the Bank on behalf of the Customer in a Non -Account Currency if the draft is not presented for payment within one hundred eighty (180) calendar days after the date of issuance, and the Customer authorizes the Bank to recredit the Customer's Account with an equivalent amount of Account Currency at a foreign exchange rate and spread, and at such date and time, as toe Bank determines in its discretion. Following such cancellation, the Customer shall be responsible for all claims that may be asserted against the Bank in respect of the draft. 6. Interest; Fees; Taxes. 6.1 Interest. The Bank may pay interest on balances in interest-bearing Accounts at rates determined by the Bank, subject to any withholding or deduction for tax as required by applicable law, and is authorized to perform any other function (including blocking or suspending the Accounts) as required by applicable law or practice of any relevant tax authority or in accordance with the Bank's usual business practice. The Bank may deduct from the Accounts charges for early withdrawals, which may include a deduction from principal (if permitted or required by law). To the extent market interest rates are negative, the rate applied by the Bank to interest-bearing Accounts may be negative, in which case the Customer may be required to make a;ative rate payment, which the Bank shall also be entitled to collect by debiting the Account. 6.2 Fees and Taxes. (a) The Bank may impo nd the Customer will pay fees for Accounts and Services provided by the Bank, including transaction, maintenance, balanc ficiency, and service fees and other charges (collectively "Fees"). The Bank may debit any Account for Fees and/or Taxes, even if uch debit creates or increases an overdraft of the Account. References to "Taxes" shall mean any taxes (including value added taxes, sales taxes and similar taxes), levies, imposts, deductions, charges, stamp, transaction and other duties and withholdings (together with any related interest, penalties, fines, and expenses) in connection with the Fees, Accounts or Services (including payments or receipts to an Account) except if such Taxes are imposed on the overall net income of the Bank. (b) All payments (including Fees and interest on overdrafts) from the Customer to the Bank shall be in full, without set-off or counterclaim, and free of any withholding or deduction (collectively, a "Deduction") related to any tax or other claim, unless a Deduction is required by applicable law. If any Deduction is required by applicable law in respect of any payment due to the Bank, the Customer shall: (i) ensure that the Deduction is made; Page 3 of 24 (ii) pay the amount of the Deduction as required by applicable law; (iii) increase the payment in respect of which the Deduction is required so that the net amount received by the Bank after the Deduction shall be equal to the amount which the Bank would have been entitled to receive in the absence of any requirement to make any Deduction; and (iv) deliver to the Bank, within thirty (30) days after it has made payment to the applicable authority, a certified copy of the original receipt issued by the authority, evidencing the payment to the authority of all amounts required to be deducted. (c) All Fees are exclusive of Taxes. In addition to any Fees or other amounts due and except to the extent the Bank is otherwise compensated for such Taxes under this Section 6, the Customer will pay or reimburse the Bank for any Taxes which the Bank is required to account for to any tax authority under any applicable law and, where required by applicable law, the Customer shall account for any Taxes directly to the applicable tax authority. 6.3 Documentation and Information. The Customer will provide the Bank with such documentati information a,Ift Bank may require in connection with taxation, and warrants that such information is true and correct in every respshall imme notify the Bank if any information requires updating or correction. 7. Account Statements. The Bank will issue Account statements, confirmations, or advices ("Account Statements') at the frequencyTd in the manneadvised to the Customer from time to time. The Customer is responsible for ensuring that an Authorized Person promptly examines each Account Statement and any accompanying Items that are made available to it by the Bank, and reporting any irregularities to the Bank in writing, including any claim of unauthorized funds transfer activity. The Bank shall not be responsible for the Customer's reliance on balance, transaction or related information that is subsequently updated or corrected or for the accuracy or timeliness of information supplied by any third party to the Bank. Internet Account Statements or electronic Account Statements, if applicable, shall be deemed by the Customer and the Bank to be available to the Customer when the Account Statements are posted on the internet and the Bank sends an electronic mail notification of availability to the Customer, or when the Bank sends the electronic Account Statement to the Customer. For purposes of determining when an Item is sent to the Customer, an image of an Item or information identifying the I m (i.e. Item number, amount and date of payment) is a sufficient substitute for the actual Item. 8. Overdrafts. 8.1 Overdrafts. The Bank may debit an Account even if the debit may cause or increase an overdraft. Unless otherwise agreed in writing, any overdraft shall be immediately due and payable by the Customer to the Bank. If the Bank permits an overdraft, the Bank is authorized to charge interest on the amount of the overdraft as long as the overdraft is outstanding, at a rate determined by the Bank, up to the maximum rate permitted by law at the time of the overdraft or at the specific rate agreed in writing between the Customer and the Bank. Subject to applicable law, interest shall accrue on any negative balance in an Account notwithstanding closure of the Account and/or termination of these Account Terms. If the Bank pays an Item that causes or increases an overdraft, the Bank may deduct applicable Fees and expenses from the Account without notice. Unless otherwise agreed in writing, the Bank is under no obligation to permit any overdraft or to continue to permit overdrafts after having permitted an overdraft, notwithstanding any prior action or course of dealing. N1111111", W 8.2 Order of Payment. When Items and other debits to the Account are presented to the Bank for payment on the same day and there are insufficient available funds in the Account to pay all of these transactions, the Bank may choose the order in which it pays transactions, including the largest transaction first or any other order determined by the Bank, in its sole discretion. 9. Set The Bank may at any time, without prejudice to any other rights which it may have, and without prior notice or demand for payment, combine, consolidate or merge all or any of the Accounts of the Customer or may retain, apply or set off any money, deposits or balances held in, or standing to the credit of, any Account in any currency towards payment of any amount owing by the Customer to the Bank or any of its affiliates. The Bank shall be entitled to accelerate the maturity of any time deposit or fixed term deposit. For the purposes of this Section the Bank may effect currency conversions at such times or rates as it may think reasonable and may effect such transfers between any Accounts as it considers necessary. The Customer grants to the Bank a lien and security interest in any Accounts of the Customer at the Bank, in order to secure any and all obligations and liabilities of the Customer to the Bank or any of its affiliates. 10. Agents; I AM010F 10.1 Confidential Information. The Bank agrees to take customary and reasonable measures to maintain the confidentiality of Customer confidential information. The Customer authorizes the Bank and its affiliates to disclose Account opening documentation, information with respect to any Account or Service, any banking transaction, and the Customer itself, including Customer confidential information, in order to provide the services under the Acccount Terms, Account Documentation and Service Terms, for compliance with legal and regulatory requirements, and for the Bank's operational purposes, risk management and compliance with internal policies: (i) to unaffiliated third parties, including the transmission of information to other banks and clearing houses and through channels and networks operated by third parties, and to agents of the Bank, (ii) to a proposed assignee of the rights of the Bank; (iii) to branches and affiliates of the Bank; (iv) to the auditors, legal advisers and consultants of the Bank, its branches and affiliates; (iv) to the auditors of the Customer; (v) to the Bank's or its affiliates' or the Page 4 of 24 Customer's examiners or other regulators, including tax authorities, law enforcement agencies, courts of competent jurisdiction or other official bodies, anywhere in the world, and (vi) pursuant to subpoena or other court process, or to establish, exercise or defend the legal rights of the Bank and its affiliates. 10.2 Agents. The Bank may retain agents to perform data processing, collection and other services in connection with the Accounts and Services. 10.3 Offshoring. Subject to applicable laws, processing of Customer confidential information may be performed by any Bank affiliate, including affiliates, branches and units located in any country in which we conduct business or have a service provider. The Customer authorizes the Bank to transfer Customer Information to such affiliates, branches and units at such locations as the Bank deems appropriate. 10.4 Consents. The Customer represents and warrants that prior to submitting to the Bank information about natural persons related to the Customer (including Authorized Persons, users of the Bank's electronic access systems, officers and directors, employees, beneficial owners, customers or other personnel), the Customer shall have obtained such consents as may be required by applicable law or agreement, for the Bank to process and use the information for purposes of providing the Services. ' 11. Liability Limitation; Force Majeure. 11.1 Liability. The Bank, its agents, employees, officers and directors, shall not be liable for any damage, s, expense or liabilehanot, y nature which the Customer may suffer or incur, except to the extent of direct losses or expenses resulting from the gross negor willful misconduct of the Bank, its agents, employees, officers or directors. The Bank, its agents, employees, officers and directors in any event, be liable for indirect, special, consequential or punitive loss or damage of any kind (including lost profits), whether or not foreseeable, even if the Bank, its agents, employees, officers or directors have been advised of the likelihood of such loss or damage, and regardless of whether the claim for loss or damage is made in negligence, gross negligence, for breach of contract or otherwise; provided, however, that the foregoing shall not apply to the extent such loss or damage is caused by fraud on the part of the Bank, its agents, employees, officers or directors. Customer shall promptly provide the Bank with a notice of any claims it receives regarding a Service. 11.2 Force Majeure. Neither the Bank nor the Customer shall be liable for any loss or damage to the other for its failure to perform or delay in the performance of its obligations resulting from an act of God, act of governmental authority, de jure or de facto, legal constraint, war, terrorism, catastrophe, fire, flood or electrical, computer, mec nical or telecommunications failure, or failure of any agent or correspondent, or unavailability of a payment system, or any cause be reasonable control. 12. Indemnity. The Customer agrees to indemnify and hold the Bank, and its agents, employees, officers and directors, harmless from and against any and all claims, damages, demands, judgments, liabilities, losses, costs and expenses (including attorneys' fees) (collectively, "Losses") resulting directly or indirectly from: (i) the Bank's acceptance or execution of any request, direction or transaction in connection with any Account or any Service provided to the Customer, including Items and Instructions (a) issued by an Authorized Person, (b) issued in accordance with the agreed upon security procedures or (c) on which the Bank is otherwise permitted to rely; or (ii) the Bank's payment of any taxes, interest or penalty otherwise due from the Customer paid on the Customer's behalf, or for which the Bank has no responsibility under the Account Terms. Notwithstanding the for the Bank shall not be indemnified for any Losses to the extent resulting directly from its own gross negligence, willful misconduct or fir13. Notices. All Account Statements and notices may be sent to the Customer by ordinary mail, courier, facsimile transmission, electronic transmission (including SWIFT communication and emails), through internet sites, or by such other means as the Customer and the Bank may agree upon from time to time, at the address of the Customer provided to the Bank. Unless otherwise arranged, all notices to the Bank must be sent to the Bank officer or service representative managing the Account or to any other address notified by the Bank to the Customer in writing from time to time, and must be sent by ordinary mail, by courier, by facsimile transmission, by electronic transmission or by such other means as the Customer and the Bank agree upon from to time. The Bank shall have a reasonable time to act on any notices received. 14. Termination. Unless otherwise agreed, eithelhe Bank or the Customer may close an Account or terminate a Service by giving the other party not less than thirty (30) calendar days' prior written notice of intent to close or terminate. Notwithstanding the foregoing, either party may terminate an Account or a Service upon written notice to the other party in the event of: (i) a breach of the Account Terms, Account Documentation or Service Terms by the other party; (ii) the other party's inability to meet its debts as they become due, receivership, administration, liquidation, or voluntary or involuntary bankruptcy; or the institution of any proceeding therefor, any assignment for the benefit of the other party's creditors, or anything analogous to the foregoing in any applicable jurisdiction, or a determination in good faith by the terminating party that the financial or business condition of the other party has become impaired; (iii) a determination by the terminating party, in its sole opinion, that termination is necessary or required by applicable law, or as a result of a court or regulatory agency order or proceeding; or (iv) a good faith belief by the terminating party that the other party is engaged in activities that are inconsistent with the terminating party's policies. The Bank shall have a reasonable opportunity to act upon any termination request. The Bank shall not be precluded from completing a request or Instruction received by it prior to a termination request based on receipt of such termination request. Notwithstanding anything to the contrary in any Service Terms, upon the closing of an Account, all Services linked to such Account are simultaneously terminated (unless otherwise specifically agreed Page 5 of 24 to by the parties) and the Bank's obligations in respect of such Account or Services will terminate. However, any such closing or termination shall not affect the Customer's liabilities to the Bank arising prior to, or on, such closing or termination, all of which shall continue in full force and effect. In the absence of Instructions from the Customer, the Bank may transfer balances to an unclaimed moneys account, or issue a cashier's check, sending it to the address of the Customer provided to the Bank. 15. Account Disclosures. 15.1 Rejection of Funds. The Bank may return or refuse to accept all or any part of a deposit or credit to an Account, at any time, and will not be liable to the Customer for doing so, even if such action causes outstanding Items to be dishonored and returned, or payment orders to be rejected. Refused deposits will be returned to the Customer. 15.2 Withdrawal. The Bank may refuse to allow withdrawals from any Account in certain cases, including cases where: (i) there is a dispute about the Account, including any dispute over which persons are authorized to represent or act for the Customer (unless a court or other competent authority has ordered the Bank to allow the withdrawal); provided that the Bank is not required to determine whether a dispute has merit in order to refuse to allow withdrawal of funds; (ii) a legal garnishment or attachment is served, including a levy, restraining notice, court order, or order of a judicial authority or enforcement agency; (iii) the Account is being used as collateral to secure a debt; (iv) documentation related to the Account has not been presented; or (v) the Customer fails to pay its indebtedness to the Bank or its affiliates on time. 15.3 Payable Branch; Deposits Outside of the U.S. Any amount standing to the credit of any Account with the Bank is payable exclusively at a branch in the country at which the Account is held; however, payment may be suspended from time to time in order to comply with any applicable law, governmental decree or similar order, in any jurisdiction, for the time period affecting the Bank, its officers, employees, affiliates, subsidiaries, agents or correspondents. The Customer acknowledges that deposits held in a branch of the Bank located outside the United States are not payable in the United States and: (i) are not insured by the Federal Deposit Insurance Corporation or any other United States governmental agency; (ii) are subject to cross-border risks; and (iii) have a lesser preference as compared to deposits held in the United States in the event of a liquidation of the Bank. 15.4 Commissions and Rebates. In connection with the provision of any Service by the Bank to the Customer, the Bank may from time to time receive commission, rebate or similar payments from other banks or third parties. 16. Governing Law. 16.1 Governing Law. The Account Terms, the relevant Account Documentation and the rights and obligations of the Customer and the Bank in respect of each Account shall be governed by and construed in accordance with the laws of the country in which the branch holding the relevant Account is located. 16.2 Waiver of Jury Trial; Limitation of Claims. The Customer and the Bank hereby irrevocably waive all right to, and will not seek, trial by jury in any action, proceeding or counterclaim, of whatever type or nature, arising out of these Account Terms, the Account Documentation or the relationship established hereby. Any claim in connection with any Account or Service, unless a shorter period of time is expressly provided, must be brought against the Bank within two (2) years of the occurrence of the event giving rise to the claim, except as prohibited by applicable law. 16.3 Venue. In relation to each Account, the courts of the country or state in which the branch of the Bank at which the Account is held shall have exclusive jurisdiction to settle any disputes that arise out of or are connected with the Account Terms, the Account Documentation and/or the Account and the Customer agrees to submit to the jurisdiction of such courts. This section is for the benefit of the Bank only and does not prevent the Bank from taking proceedings in the courts of any other country or state with jurisdiction including, to the extent allowed by law, concurrently in any number of countries or states. 17. Miscellaneous. 17.1 Languages. If the Account Terms, Account Documentation or Service Terms are translated into, or appear in a language other than English, the English language version shall control. 17.2 Successors. The term Bank shall include any successors of the Bank, including assignees or successors of JPMorgan Chase Bank, N.A. or its affiliates or any person who has assumed the rights and obligations of the Bank or its affiliates hereunder or to which the same has been transferred. 17.3 Order of Precedence. Any terms of any supplement, amendment, agreement, Service Terms or notice that are inconsistent with a provision of the Account Terms or the Account Documentation shall supersede such provision of the Account Terms or the Account Documentation for purposes of the particular Account or Service that is the subject thereof. The Account Terms and Account Documentation supersede and replace any other account conditions previously sent to the Customer. 17.4 Interpretation. Section and subsection headings are for convenience only and shall not affect the meaning of the Account Terms. If any provision of the Account Terms shall be held to be illegal, invalid, or unenforceable the validity of the remaining portions of the Account Terms shall not be affected. The term "including" shall in all cases mean "including without limitation" unless otherwise indicated. The term "affiliates" shall mean with respect to any entity, an entity, whether directly or indirectly, that controls, is controlled by, or is under common control with that Page 6 of 24 entity. The term "applicable laws" or similar terms shall mean any law, statute, order, decree, rule, injunction, license, consent, approval, agreement, guideline, circular or regulation of a government authority. 17.5 Compliance; Transaction Screening. The Customer shall comply with all applicable laws and the Bank's policies notified to the Customer. The Bank is required to act in accordance with Bank policies, the laws of various jurisdictions relating to the prevention of money laundering and the implementation of sanctions, including economic or financial sanctions or trade embargoes imposed, administered or enforced from time to time by the U.S. government, including those administered by the Office of Foreign Assets Control of the U.S. Department of the Treasury or the U.S. Department of State. The Bank is not obligated to execute payment orders or effect any other transaction where a party to the transaction is a person or entity with whom the Bank is prohibited from doing business by any law applicable to the Bank, or in any case where compliance would, in the Bank's opinion, conflict with applicable law or banking practice or its own poALes and procedures. Where the Bank does not execute a payment order or effect a transaction for such reasons, the Bank may take any actfirrequired by any law applicable to the Bank including freezing or blocking funds. Transaction screening may result in delays in the posting of transactions and/or funds availability. The Bank may direct the Customer to make changes to the activity in the Customer's Accounts, including to cease and desist from using the Accounts for particular types of transactions or for transactions involving particular parties from time to time. he Customer agrees to comply with such directions. 17.6 Amendments; Supplements; Waivers. The Account Terms may be amended or supplemented on notice to the stomer, including by terms contained in any Service Terms or Account Documentation. The Service Terms may be amended or supplement don notice to ustomer. These amendments or supplements may impose restrictions on the Accounts and Services, as the Bank deems necessary in rse of its business, and will be effective on notice to the Customer or at such other time to be specified in the notice; provided t ndments or supplements that are required by law may be implemented immediately or as required by law. By signing an Account si card, Account application or similar document or by using or continuing to use any of the Accounts or Services, the Customer agrees a Account Terms, the Account Documentation, Service Terms and any amendments or supplements, as applicable. All amendments must b m writing. The Bank may waive any of provision of these Account Terms, the Account Documentation or the Service Terms, but such waiver shall apply only on that occasion. Such waiver shall not constitute a waiver of any other provision of the Account Terms, the Account Documentation or the Service Terms. Any such waiver shall not affect the Bank's right to enforce any of its rights with respect to other customers or to enforce any of its rights with respect to later transactions with Customer and is not sufficient to modify the terms and conditions of the Account Terms, the Account Documentation or the Service Terms. 17.7 Waiver of Immunity. To the extent that the Customer has or hereafter may acquire any immunity (including sovereign, crown or similar immunity) from jurisdiction of any court, suit or legal process (whether from service of notice, injunction, attachment, execution or enforcement of any judgment or otherwise), the Customer irrevocably waives and agrees not to claim such immunity as against the Bank or its affiliates. 17.8 Internet Services; Notice of Claims. The Customer agrees at its sole expense: (i) to advise each of its employees, officers, agents or other persons accessing any Service by or on—behalf of Customer ("Users") of their obligations under the Account Terms, Account Documentation or under any Service Terms or ancillary Service material, including the obligation to refrain from using the Service via the Internet in the countries identified by the Bank; and (ii) to provide the Bank with all information reasonably necessary to setup and provide Services for the Customer, including advising the Bank of the countries from which Users will access any Service via the Internet. 17.9 Recordings. The Bank or the Customer, atIediscretion, may make and retain recordings of telephone conversations between the Customer and the Bank. 17.10 Instructions. All Instructions, whether Items, payment orders or otherwise, are subject to applicable laws, and rules, policies, operations and practices of the applicable clearing or settlement systems or payment networks. 17.11 Electronic Copies. The Bank may retain copies Wer, electronic or otherwise) of any documents or Items relating to the Accounts and Services in a form'preserving an image of any such documents or Items, including signatures, or a regular business record and discard the original documents or Items. The Customer hereby waives any objection to the use of such records in lieu of their paper equivalents for any purpose and in any forum, venue or jurisdiction, including objections arising from the Bank's role or acquiescence in the destruction of the originals. MN 17.12 0 Intellect erty. All intellectual property rights in or relating to a Service, including any trademarks, service marks, logos, and trade names m conjunction with a Service are the property of the Bank or its licensors and are protected by applicable copyright, patent, trademark and other intellectual property law. Except as provided herein, the Customer shall not reproduce, transmit, sell, display, distribute, establish any ULperlink to, provide access to, modify, or commercially exploit in whole or in part any part of a Service, without the prior written consent of th 4%16- 17.13 Know Your Customer. To assist in the prevention of the funding of terrorism and money laundering activities, applicable law may require financial institutions to obtain, verify, and record information that identifies each person who opens an Account. What this means for the Customer: when the Customer opens an Account, the Bank may ask for the Customer's name, address, date of birth (for individuals), and/or other information and documents that will allow the Bank to identify the Customer. The Bank may also request and obtain certain information from third parties regarding the Customer. For purposes of this provision, the Customer, to the extent required by applicable law, shall include any signatory on an Account. If the Customer fails to provide or consent to the provision of any such information, the Bank may close any Account or discontinue providing any Service without further notice. Page 7 of 24 Information. To fulfill the Bank's "know your customer" responsibilities, the Bank will request information from the Customer from time to time regarding the Customer's organization, business and, to the extent applicable, persons or entities maintaining bank accounts with the Customer. The Bank may also request further information and/or documentation in connection with the provision of the Services. Any information and/or documentation furnished by the Customer is the sole responsibility of the Customer and the Bank is entitled to rely on the information and/or documentation without making any verification whatsoever (except for the authentication under the security procedures, as applicable). The Customer represents and warrants that all such information and/or documentation is true, correct and not misleading and shall advise the Bank promptly of any changes and, except as prohibited by applicable law, the Customer agrees to provide complete responses to the Bank's requests within the timeframes specified. Unless prohibited by applicable law, the Customer agrees to promptly disclose to the Bank activity in the Customer's Accounts that is suspicious or violates applicable laws or sanctions. 17.14 Click-Thru. The Bank may deliver, make available and/or make accessible terms and conditions applicable to Accounts and Services to the Customer via electronic means and channels (including by posting such terms on a Bank website). The Bank may request that the Customer "click" its approval of such terms. Subject to applicable law, the Customer agrees that the act of "clicking" its approval (or any similar act which has the same effect) with respect to any such terms will be evidence of Customer's acceptance of the applicable ter and conditions, to the same extent, and with the same force and effect, as if Customer had manually executed a written version of such to conditions. 18. Interpleader. Nofe .If there is a dispute regarding the ownership of or entitlement to funds held by the Bank for the account Customer, the Bank may apply to an appropriate court for resolution of the dispute and may pay the funds into the,Lourt pending resolution. The Customer agrees to reimburse the Bank for any related expenses, including its attorneys' fees and costs. 19. Provisional Recredit. _ In connection with any dispute regarding an Account, the Bank may choose to credit the Account pending completion of the Bank's investigation of the dispute. If the Bank determines that the Customer is not entitled to such credit, then, the Bank may reverse the provisional recredit to the Account, even if that reversal results in an overdraft. 1 Fqq F4 L Page 8 of 24 ADDENDUM TO GLOBAL ACCOUNT TERMS I United States of America V1.4 02 24 15 This addendum ("Addendum") supplements the Bank's Account Terms and applies solely to Accounts maintained in the United States of America ("U.S.") and to Services provided in connection with such U.S. Accounts, regardless of the location where Services are executed or performed. Capitalized terms used in the Addendum, and not otherwise defined, have the meanings set forth in the Global Account Terms (as defined below). By using any Account maintained in the U.S., the Customer acknowledges receipt of, and agrees to be bound by the Account Terms and this Addendum, each as may be amended or supplemented from time to time. For purposes of this Addendum, references to the "Global Account Terms" means the Account Terms excludina anv account addenda for each other country in which the Accounts are held. The INTRODUCTION to the Global Account Terms is hereby supplemented with the following provision: The Bank performs Account functions and Service activities in various locations, by various methods including electronic oriautomated means, and through various interbank and third party collection, payment and data arrangements, including those provided by the U.S. Federal Reserve Bank System, check truncation and image exchange systems, and collection/payment clearinghouses. These functions, services, arrangements and systems are subject to laws, federal regulations, banking system practices and procedures, operating circulars, interbank agreements, and clearinghouse and association rules (collectively, "Rules & Regulations" ) and the Unifo Commercial Code Official Text and Co ments applicable to funds transfers and the bank deposit, collection or payment of negotiable instrumV ther items (such text and co excluding the choice of law rules, the "UCC"). Section 3 of the Global Account Terms (Deposits) is hereby supplemented with the following provisions: 3.4 Verification: Adjustments. The Bank may provide or make available upon request a receipt or similar document for certain deposits to the Customer's Account. However, the amount on such receipt or similar document is based solely on the deposit ticket. Credits for all deposits (whether or not accompanied by a deposit ticket), including bulk deposits, are subject to verification. Items deposited into an Account, handled for collection or exchanged for currency are received by the Bank as the Customer's collection agent, and are for collection only, subject to the Bank's collection of final payment thereon. The Bank reserves the right to make adjustments to the Account for any errors, including any errors appearing on the deposit ticket or occurring during processing or otherwise, but the Bank has no obligation to do so for de minimis discrepancies. 3.5 Foreign Currency Items. The Bank may handle Items drawn on a non -U.S. bank or Items payable in a foreign currency on a collection basis, not for deposit, even if the Bank has received the Items as part of a deposit. The Customer may not receive provisional credit for such Items, or if provisional credit has been given the Bank may revoke it. Credit for Items payable in a foreign currency will be converted into U.S. dollars at a foreign exchange rate and spread, and at such date and time, as the Bank determines in its discretion. 3.6 Endorsements. The Customer must place its endorsement on the back of an Item only in the area within 1.5 inches from the trailing edge of the Item. The trailing edge of the Item is defined as the left-hand edge of the check looking at it from the front. If the Customer is authorized in writing to endorse Items a the Bank's behalf, the Customer agrees to comply with the endorsement standards of the Bank. 3.7 Encoding. If the Customer encodes information on an Item, the Customer warrants to the Bank and to all other collecting and paying banks of that Item that it is properly encoded and the Customer will be liable for any loss related to any encoding error, including any loss due to delay in processing caused by the encoding error. 3.8 Return or Charge Back. The Customer should not use rrier documents (Items placed inside envelopes) in either high-speed forward or return cash letters. The Customer shall be solely responsible for any delays, losses or claims resulting from its use of carrier documents in high-speed forward or return cash letters. If the payor bank, drawer or payee on any Item that was deposited to Customer's Account returns the Item to the Bank, or makes a claim based on an asserted unauthorized signature or endorsement or an asserted alteration, the Bank may accept that return or pay that claim and charge any Customer Account for all or any part of the amount of the Item, even if the claim is made after final payment of the Item. If the Customer deposits or cashes an Item drawn on or by the Bank and the Item or any endorsement is asserted to be forged, unauthorized or altered, the Bank may charge back all or any part of the amount of the Item, even if the charge back is made after the final payment of -the Item, or creates an Account overdraft. 3.9 Electronic Colleckon. The Customer agrees that the Bank may collect any Item deposited to Customer's Account by electronic means, in which case the Bank qqlWo inspect such Item during the automated deposit and collection process. 3.10 Variance. The Bank may agree with other banks and clearing houses to vary procedures regarding the collection or return of Items, and to vary applicable deadlines, to the maximum extent permitted by applicable Rules & Regulations, state law or banking practice. 3.11 Substitute Checks. The Customer will not deposit any substitute checks (that are not returned Items) unless the Bank expressly agrees to accept such Items for deposit. In the event the Bank processes any substitute check deposits in the absence of such express agreement, the Customer agrees that such processing shall not be deemed to be the Bank's agreement to accept any substitute checks for deposit and Customer will be solely responsible for any loss or claim in connection with that deposit. Page 9 of 24 3.12 Night Depository Deposits. The Bank is not liable for any deposit made through the use of the Bank's night depositories until the Bank issues a deposit ticket or other receipt acknowledging the deposit. The Bank's count of the amount deposited in a night depository will be conclusive. The Customer is solely responsible for any loss incurred from the disappearance, theft, or loss of any envelope, bag, or money before the Bank verifies the contents of the deposit. 3.13 Remotely Created Checks. If the Customer deposits a remotely created check ("RCC"), as such term is defined in Federal Reserve Regulation CC, the Customer warrants to the Bank, with respect to each RCC, that the person on whose account the RCC is drawn, authorized the issuance of such RCC in the amount and to the payee stated on the RCC. The Customer authorizes the Bank to debit the Customer's account for any claim or return based upon an unauthorized RCC and the Customer agrees to indemnify and hold the Bank harmless from and against any claims, liabilities, costs and expenses (including attorneys' fees) resulting directly or indirectly from any br of the foregoing warranty. All other Account and Service Terms governing an Item will apply to an RCC. 3.14 ATM Cards. The Bank may issue one or more automated teller machine ("ATM") cards ("Cards") and personally identifia le numbers ("PINs") to Customer's employees or agents for use in initiating certain Account transactions at Bank owned AT Unless o se agreed by Bank, Customer agrees to use and cause its employees and agents to use the Cards only at ATMs owned by the B d Customer shall be responsible for each Card and liable for any transactions and related fees initiated or charged upon using suchiW. The Customer agrees that the types of transactions offered through the use of any Card may be limited by the Bank, in its sole discretio The Bank has the right to cancel any Card at any time and for any reason, and will notify Customer of such cancellation. All ATM transactions are subject to verification. Any deposit transaction through an ATM that is not made on a business day or made after the Bank's designated cut-off time will be processed on the Bank's next business day. The Customer agrees to obtain possession and return to the Bank or destroy all cant lied Cards. If the Customer believes a Card or PIN has been lost or stolen, the Customer shall immediately contact the Bank's ATM call cent 3.15 Internet Gambling. The Bank strictly prohibits the use of any Account or Card to conduct transactions (including the acceptance or receipt of credit or other receipt of funds through an electronic funds transfer, or by check, draft or similar instrument, or the proceeds of any of the foregoing) that are related, directly or indirectly, to unlawful Internet gambling. The term "unlawful Internet gambling," as used in this section, shall have its meaning set forth in 12 C.F.R. Section Part 233, Section 233.2(bb). The Customer agrees not to conduct any transactions through the Account that directly or indirectly involve or are related to unlawful Internet gambling, including the acceptance or receipt of any funds or deposits in connection therewith. 1W Section 4 of the Global Account Terms (Payment of Items) is hereby supplemented with the following provisions: 4.5 Cashing Items. The Bank may, in its discretion, cash Items drawn on an Account when presented by the holder. If a payee who is not a deposit customer of the Bank presents an Item drawn on the Account for cash, the Bank may refuse to cash the Item, or may charge the payee a fee if the Bank does cash the Item. 4.6 Signatures. Requirements for two or more signatures on Items drawn on the Account or limits on the amount for which any an Item can be drawn are solely for the Customer's own internal control purposes and the Bank will not be liable for paying any Item (i) lacking the required number of signatures, or (ii) drawn in an amount exceeding the maximum limit assigned to the signer, provided the Bank followed its customary procedures when paying the Items. 4.7 Fraudulent Items. The Bank offers the Customer Services reasonably designed to detect and/or deter check fraud and reduce the likelihood that a fraudulent, unauthorized, counterfeit or altered Item will be paid. Customer agrees that if it fails to use such Services, that failure will constitute Customer negligence contributing to the making of an unauthorized signature or payment of an altered Item, and the Customer will assume the risk that Items presented for payment against its Account may be forged or altered. In that event, Customer will be precluded from asserting any claims against the Bank for paying any unauthorized, altered, counterfeit or other fraudulent Items that such Service was designed to detect or deter, and the Bank shall not be required to re -credit Customer's Account or otherwise have any liability for paying such Items to the extent the Service would likely have prevented such loss. In the event the Bank receives or is presented with Items which appear to be duplicates of each other, the Bank may return one or more of such Items. 4.8 Obscured Endorsements. The Customer assumes all responsibility and liability for any claims or losses that the Customer or the Bank may suffer as a result of the Customer's: (i) issuance of an Item in such a manner that information, marks or bands on the back of the Item obscures endorsements; or (ii) placement of an endorsement on the back of the Item which obscures other endorsements; and which thereby causes a delay in the forward and/or return processing of the Item. The Bank retains the right to refuse to accept an Item for deposit if the back of the Item is obscured. 4.9 Negotiation Outside of U. n Item issued by the Customer is transferred or negotiated outside of the U.S. and is subsequently sent to the Bank for deposit, collectio r payment in the U.S., the Customer shall be deemed to make, to the Bank, the transfer and presentment warranties under the UCC, as if such Item were negotiated or otherwise transferred in the U.S. 4.10 Stop Payments. A stop payment Instruction from the Customer will be effective on an Item if: (i) the Bank receives the stop payment Instruction with a reasonable opportunity to act on such Instruction, which shall be at least one (1) full Business Day following the Business Day of the Bank's confirmed receipt of the Instructions at the applicable Bank location; (ii) the Instruction is in the form required by the Bank and the information is complete; and (iii) the Item is not yet paid or cashed. For purposes of this Section, "Business Day" means a day on which the Bank is generally open for business in the jurisdiction where the Account is maintained. Stop payment Instructions on Items, unless otherwise provided, will be valid for one (1) year and will automatically renew up to six (6) additional years unless the Bank confirms receipt of the Customer's revocation of a stop payment Instruction. The Customer may request, through the Bank's call center or other authorized Page 10 of 24 representative, a non-renewable stop payment, which will be effective for a 180 -day period. The Bank shall not be liable for any Item properly paid or cashed prior to the effective time of a stop payment request. The Bank may properly return any item which is the subject of a stop payment request. However, the Customer acknowledges that a stop payment instruction does not limit or vary its obligation to pay the subject Item and, notwithstanding a stop payment instruction, the Bank may properly pay such an item to a person entitled to enforce it. 4.11 Standard of Care. Any Item issued by the Customer drawn on its Account shall be deemed to be endorsed in the name of the payee if: the Item is endorsed or deposited into an account in a name that is substantially similar to that of the payee; the payee is a fictitious person; the Customer was wrongfully or erroneously induced to issue the Item payable to the stated payee; the deposit of the item was accomplished by an employee entrusted with responsibility for the Item or person working in concert with such an employee; or the Customer or payee failed to act with ordinary care with respect to the Item. The Bank shall not be liable for any loss arising from any such endorsed or deposited Item, or for the loss caused by the alteration or unauthorized signature on any Item issued by the Customer, unless the Customer establishes that the Bank failed to handle the Item with ordinary care, and that such failure substantially contributed to the loss. If the Bank's failure to act with ordinary care substantially contributed to the loss on the item, the loss shall be allocated between the Customer and the Bank based upon their respective failure to exercise ordinary care which contributed to the loss. For purposes of this section, "employee" shall include Customer and its independent contractors and third parties, and their respective employees, delivery agents, officers, directors, attorneys, fiduciaries, administrators, service providers, and other agents. 4.12 Electronic Processing. The Bank may process any Item for payment from a Customer Account by electronic means, in which case, the Bank's exercise of ordinary care in payment of that item does not obligate the Bank to inspect the Item during the automated payment process. Section 5 of the Global Account Terms (Funds Transfer Instructions) is hereby supplemented with the following provision: 5.6 Funds Transfer by Check. If the Customer, through the Bank's funds transfer services, requests that payment be made by check, the Customer authorizes the Bank to debit the Customer's Account on receipt of the Instruction and to create and issue a check to the name and address provided in the Instruction, signed by the Bank as agent for the Customer as drawer. If the Customer requests the Bank to place a stop payment on the check before the check has been presented for payment, such request must be clearly identified as a stop payment request, including the reference number given for the transaction, and it must be received by the Bank at a time and in a manner designated by the Bank from time to time. If the check is not negotiated within one hundred eighty (180) days after issuance, the Bank may place a stop payment on the check and transfer the funds back to the Account. 5.7 ACH. Automated Clearing House ("ACH") entries will be subject to the rules of the National Automated Clearing House Association and any other applicable Rules & Regulations, to which the Customer agrees to be bound. Credit given by the Bank to the Customer for an ACH credit entry shall be provisional, until the Bank receives final payment. If the Bank does not receive final payment, the Bank may revoke the provisional credit and charge back the amount of the entry to the Account, or obtain a refund from the Customer, in which case the originator of the credit entry shall not be deemed to have paid the Customer the amount of such entry. The Bank shall not be obligated to notify the Customer of the receipt of a payment order or ACH entry for credit or debit to an Account. 5.8 Same Day Amend and Cancel. The Customer may subscribe to a service to enable same day amendment and cancellation of payment orders. All cancellation or amendment messages sent to the Bank shall be in the format specified by the Bank and must be received by the Bank no later than such time as may be established by the Bank upon notice to the Customer. 5.9 Priority. The Bank will determine the order in which it processes payment orders. If the Customer's payment order bears the codeword "PRIORITY" in such field as the Bank specifies, the Bank will use reasonable efforts to move such payment order to the front of the Bank's processing queue. Section 7 of the Global Account Terms (Account Statements) is hereby supplemented with the following provisions: 7.2 Images Sufficient. The Customer acknowledges that Account Statements and images of paid Items are available to it and are sufficient to allow it to make all inspections and reports of Account activity including errors, as required in this Section. The Bank is not required to return paid or cancelled Items with the Account Statement. 7.3 Obligation to Inspect. The Customer shall inspect each Account Statement and all payments and charges reported thereon, promptly upon receipt. The Customer must notify the Bank in writing of any unauthorized, improper, or missing endorsements within six (6) months after the date of the Account Statement on which that item was reported to have been paid. The Customer must notify the Bank in writing, within a reasonable period of time not to exceed 60 calendar days of the date of an Account Statement, of (i) the failure to receive the Account Statement, or (ii) of any errors, unauthorized payments, charges, alterations, discrepancies or irregularities reported on the Account Statement ("Errors"). The Customer must provide the Bank with all information necessary for the Bank to investigate any claim based upon an endorsement or Error, and must provide all supporting evidence that the Bank requests. Failure to comply within the time frames set forth above shall be deemed conclusive proof that the Customer failed to exercise reasonable care and promptness in examining Account Statements and paid Items or identifying Errors and that such failure may cause subsequent loss to the Bank. If the Customer fails to comply with the notice requirements set forth above, the Bank is not required to reimburse the Customer for the Customer's claimed loss and the Customer shall be barred from bringing any action against the Bank. 7.4 Inactive Accounts. If an Account has no activity other than charges assessed or interest credited by the Bank for a period of at least six (6) months, the Bank is not required to provide an Account statement until the Account has additional activity. If an Account has no activity other than charges assessed or interest credited by the Bank for a period of at least twelve (12) months, the Customer may be unable to access the Page 11 of 24 Account until appropriate contact is made between the Customer and the Bank. 7.5 Advice Services. The Customer may subscribe to Bank services for the delivery of account -related activity and information ("Advices"), to a party designated by the Customer, including information relating to credits and debits to a Customer account, and the return or rejection of certain payments. Advices may be sent via SWIFT, electronic mail, facsimile transmission, ordinary mail, phone, through internet sites, or as otherwise agreed upon by the parties. The Customer is responsible for maintaining the accuracy of the information that is required to deliver such Advices, including the address, telephone and/or facsimile number of the recipient and, if applicable, the messaging components and conditions that will trigger the transmission of the Advices. Section 15 of the Global Account Terms (Account Disclosures) is hereby supplemented with the following provisions: 15.5 Withdrawal Limitations on Certain Account Types. U.S. federal regulations limit the number of pre -authorized or automatic transfers or withdrawals or telephonic/electronic instructions (including check, draft, debit card or similar order payable to third parties) that can be made from a savings account (including a savings sub -account (as described below) and a money market deposit account) to a total of six (6) per calendar month or statement cycle or similar period. The Customer agrees to comply at all times with such restrictions. Exceeding these withdrawal limits may result in the Bank converting the savings account into a non-interest bearing demand deposit account, with any attendant changes in pricing and account terms and conditions. Further, the Bank is required by U.S. law to reserve the right to require at least seven (7) days notice prior to a withdrawal from a savings account (including a savings sub -account) or an interest-bearing negotiable order of withdrawal account ("NOW Account"). 15.6 NOW Accounts. The Customer, if eligible, may open a NOW Account. There is no limit on the number of withdrawals that the Customer may make from the demand deposit or NOW sub -account. 15.7 Administrative Subaccounts. The Bank is authorized, for regulatory reporting and internal accounting purposes, to divide an Account: (i) in the case of a demand deposit checking Account, into a non-interest bearing demand deposit sub -account and a non-interest bearing savings sub - account; (ii) in the case of a NOW Account, into an interest bearing NOW sub -account and an interest bearing savings sub -account, and, in both cases, to transfer funds on a daily basis between these sub -accounts in accordance with U.S. law at no cost to the Customer. The Bank will record the sub -accounts and any transfers between them on the Bank's books and records only. The sub -accounts and any transfers between them will not affect the Account number, balance requirement or use of the Account, except as described herein. 15.8 Savings Subaccounts. The Bank will establish a target balance for the Customer's demand deposit or NOW sub -account, which it may change at any time. To the extent funds in the demand deposit or NOW sub -account exceed the target balance, the excess will be transferred to the Customer's savings sub -account, unless the maximum number of transfers from the savings sub -account for that calendar month or statement cycle have already occurred. If withdrawals from the demand deposit or NOW sub -account exceeds the available balance in the demand deposit or NOW sub -account, funds from the Customer's savings sub -account will be transferred to the demand deposit or NOW sub -account up to the entire balance of available funds in the savings sub -account to cover the shortfall and to replenish any target balance that the Bank has established for the demand deposit or NOW sub -account. If a sixth transfer is needed during a calendar month or statement cycle, it will be for the entire balance in the Customer's savings sub -account, and such funds will remain in the demand deposit or NOW sub -account for the remainder of the calendar month or statement cycle. 15.9 Branch Designation. The Bank, for its administrative purposes may designate a branch of the Bank as the branch of record of an Account which may be different from the branch at which the Account is opened. This designation requires no action on the part of the Customer and will not change the Bank's operations, Services or customer support. 15.10 No Fiduciary Relationship. Bank's relationship with Customer concerning the Accounts is that of a debtor and creditor. No fiduciary, quasi - fiduciary or other special relationship exists between Bank and Customer or any third parties regarding the Accounts. Section 16 of the Global Account Terms (Governing Law) is hereby supplemented with the following provisions: 16.1 Section 16.1 is replaced with the following provision: Subject to the UCC as modified by the Rules & Regulations, which shall control, and unless otherwise specifically provided in any Service Terms, the Global Account Terms, the Account Documentation, Service Terms and the rights and obligations of the Customer and the Bank in respect of each Account maintained in the U.S. shall be governed by and construed in accordance with the laws of the State of New York (without regard to its conflict of laws rules), incorporating general commercial bank practices applicable to the type of Account and Services provided to the Customer. The rights and remedies of the Bank under this Addendum, the Account Terms, the Account Documentation, the Service Terms, and any other agreement by the Customer in favor of the Bank are in addition to the rights and remedies of the Bank under applicable law (as provided above in this Section), are cumulative and may be exercised successively or concurrently, and are retained by the Bank. 16.4 In the event the Bank is required to remit funds to any state as abandoned property, the Account may be charged for fees in remitting funds to that state. In addition, the Bank may charge fees in connection with its handling of dormant funds and accounts. These charges are not refundable. Section 17 of the Global Account Terms (Miscellaneous) is hereby supplemented with the following provision: 17.15 Payable Through Accounts. If the Customer is a bank or financial institution and is not organized under the laws of the U.S., it shall not permit Page 12 of 24 its customers to conduct banking transactions in the U.S. through the Customer's Account, and shall not provide its customers with check stock, drafts, wire transfer capabilities or any other means by which its customers are able to draw on the Customer's Account. These types of arrangements are typically called "payable through accounts" and are prohibited under these Account Terms. The Customer acknowledges that the sale of U.S. dollar checks or drafts to third parties is explicitly prohibited without the express written approval of the Bank. AVAILABILITY POLICY - FOR ACCOUNTS MAINTAINED IN THE U.S. The Bank's policy is to make funds available to the Customer on the same, next or second business day after the day of deposit depending on the type of deposit and when the deposit is made as described below. If the Customer will need the funds from a deposit immediately, the Customer should ask the Bank when the funds will be available. A. Determining the Day of a Deposit. If a deposit is made to an account on a business day before the Bank's cutoff time established for that location (which will be no earlier than 2 p.m. local time), then the Bank will consider that day to be the day of deposit. However, if a deposit is made after the cutoff time or on a day that is not a business day, then the Bank will consider the deposit to have been made no later than the next business day. For determining the availability of deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. Availability with respect to any deposit will be determined by the location of the banking center or other facility where the deposit was received. For deposits made at the Bank's automated teller machines (ATMs) the cutoff time is 11 p.m. Eastern Time unless otherwise noted on the ATM screen. B. Same Day Availability. Funds from the following deposits made at a banking center or at an ATM that do not require deposit envelopes will be available on the business day the Bank determines the deposit is made: • Cash; • Wire transfers; and • Electronic direct deposits to an account. C. Next Day Availability. Funds from the following deposits are available on the first business day after the business day the Bank determines the deposit is made: • U.S. Treasury checks that are payable to the Customer; • Checks drawn on a Bank affiliate that holds the applicable account (excluding a Controlled Disbursement site); and • At least, the first $200 from a day's total deposits. If the deposit is made in person to a Bank employee, funds from the following deposits are also available on the first business day after the business day the Bank determines the deposit is made: • State and local government checks that are payable to the Customer, if a special deposit slip, available upon request at any Bank banking center is used; • Cashier's, certified, and teller's checks that are payable to the Customer, if a special deposit slip, available upon request at any Bank banking center, is used; and • Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to the Customer. If a special deposit slip is not used, availability of funds from these deposits will follow the schedule identified in the Availability of Other Check Deposits section below. D. Availability of Other Check Deposits. Generally, funds from all other deposits of checks drawn on banks (as defined in Federal Reserve Regulation CC) will be available no later than the second business day after the day of deposit. Checks that require special handling may receive delayed availability. The amount of funds available to the Customer will be reduced by the amount of any deposited check that is returned unpaid. If the Bank reprocesses the check, the funds will become available no later than the second business day after the business day in which the check is reprocessed. E. Longer Delays May Apply. In some cases the Bank may not make all of the funds that are deposited by check available. Depending on the type of check deposited, funds may not be available as set forth above. However, the first $200 of the aggregate deposit will be available on the first business day after the day of deposit. If the Bank is not going to make all of the funds from a deposit available at the times shown above, it will notify the Customer and specify when the funds will be available. If a deposit is not made directly to a Bank employee, or if the Bank decides to take this action after the Customer has left the premises, the Bank will mail or otherwise send the notice to the Customer by the business day after the day of deposit. Funds deposited by check may be delayed for a longer period under the following circumstances: • The Bank believes a deposited check will not be paid; • Deposited checks for all of the Customer's accounts total more than $5,000 in any one day; • The Customer redeposited a check that has been returned unpaid; • The Customer has overdrawn one or more of its accounts repeatedly in the last six months; or • There is an emergency, such as failure of communications or computer equipment. Page 13 of 24 In such circumstances, funds will generally be available no later than the seventh business day after the day of deposit. Inclement weather or transportation problems may lead to additional delays under certain availability schedules. Customer may have specific availability schedules related to a banking service. F. Special Rules for New Accounts. If the account is a new account, the following special rules may apply during the first thirty days the account is open: • Funds from deposits of the first $5,000 of that day's total deposits of cashier's, certified, teller's, traveler's and federal, state and local government checks will be available on the first business day after the day of deposit if the deposit meets certain conditions. For example, the checks must be payable to the Customer. The excess over $5,000 will be available no later than the ninth business day after the day of deposit. If the deposit of checks (other than U.S. Treasury checks) is not made in person to one of the Bank's employees, the first $5,000 may not be made available until the second business day after the day of deposit; and Funds from all other check deposits will be made available no later than the fifteen business day after the day of deposit. This Availability Policy and availability schedules may be changed without notice. © 2015 JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC. Page 14 of 24 Account Terms Acceptance Letter Customer Name: TEST CUSTOMER Tax Identification Number: 232342342 Dear Valued Customer: V1.6_09_27_10 Thank you for choosing JPMorgan Chase Bank, National Association or any of its affiliates or subsidiaries for your cash manage- ment banking services. Enclosed you will find our standard Account Terms and United States Addendum to Account Terms that outlines our customary banking practices and provisions in connection with your accounts and services. Your signature below represents your receipt and acceptance of the Account Terms and United States Addendum to Account Terms, and any service terms applicable to any services that your organization may use, as they may be amended or supplemented. Please sign and return this form to your JPMorgan Chase Implementation Consultant. We appreciate your business and look forward to servicing your future banking needs. Printed Name Title Signature Date E -Mail Address Phone Number Printed Name Title Signature Date E -Mail Address Phone Number Page 15 of 24 Certificate Regarding Accounts V 1.5_09_27_10 Instructions: Complete all relevant spaces with the requested information as applicable to the type of organization. Obtain signature of certifying signer(s) at the conclusion of the Certificate. HEADING Customer Name: TEST CUSTOMER ("Customer") Tax Identification Number: 232342342 ("Client Entity") Business Name: ("Business") (Applicable only for Sole Proprietorship or business operating under an assumed name) Jurisdiction of Organization: Type of Organization ❑ Corporation ❑ Sole Proprietorship ❑ Trust ❑ Unincorporated Association (Check One) ❑ Limited Liability Company ❑ Partnership (including Limited Liability Partnership) ❑ Business Trust (under Delaware or Massachusetts law only) ❑ Joint Venture ❑ Governmental Entity (specify type): ❑ Other: A. DESIGNATION OF DEPOSITORY. This Certificate Regarding Accounts (this "Certificate") is provided to any bank subsidiary of J.P. Morgan Chase & Co. (collectively, "Bank") with respect to any and all deposit accounts, related products and all Treasury Services products or services, that Customer currently has or may open in the future with Bank (collectively, the "Accounts"). B. CERTIFICATION (as applicable to Type of Organization) 1. Corporation, Limited Liability Company, Partnership/LLP, Unincorporated Association, Business Trust. I am an officer, member, manager, director, or general partner (or person authorized to represent the member, manager, director or general partner), as applicable, of Customer. I certify to Bank that the governing body of Customer has adopted resolutions authorizing all actions and agreements described in this Certificate. Those resolutions were adopted in accordance with all requirements of law and of Customer's organizational documents, have been entered in the regular minute books of Customer, have not been rescinded, or modified, and are now in full force and effect. 2. Governmental Entity. I am either the custodian of the official records of Customer (the "Certifying Official"), or the public official authorized by law to establish and administer the financial accounts of Customer (the "Financial Officer"), and authorized to take all actions described in this Certificate. Bank has been designated a depository for funds of Customer in the manner required by applicable law. I certify to Bank that the governing body of Customer, if any, has adopted resolutions authorizing all actions and agreements described in this Certificate. Those resolutions were adopted in accordance with all requirements of law and of Customer's organizing statutes, charter, by-laws, ordinances, or other applicable laws and documents, have been entered in the regular minute books of Customer, and are now in full force and effect. 3. Trust. (Other than a business trust) I am (we are) all of the duly appointed and acting trustee(s) of the trust. I (we) certify to Bank that Customer's trust agreement and all other governing documents authorize the trustees to take all actions and enter into all agreements described in this Certificate, and that such authorization is in accordance with all requirements of law now in full force and effect. 4. Joint Venture. We are all the joint venturers of Customer. We certify to Bank that the joint venturers of Customer have authorized all actions and agreements described in this Certificate, and that such authorization is now in full force and effect. Page 16 of 24 5. Sole Proprietor. I am the Customer, and I individually am the sole owner of the Business. The Business is not a corporation, partnership, limited liability company, or any other form of business entity. This Certificate constitutes a durable power of attorney appointing agents, each acting singly, to take any and all action authorized under this Certificate or any other document described in this Certificate. This power of attorney will survive my incompetence, incapacity, or disability. "Attorney -in -Fact" means any of the following listed persons, acting singly unless otherwise provided in this Certificate: C. AUTHORIZATIONS (applicable to all Types of Organizations) 6. Account Opening. Each Account Manager is authorized to open one or more Accounts from time to time with Bank. "Account Manager" means each person holding an officer title with Customer. If Customer is a limited liability company or partnership, "Account Manager" means any member, manager, general partner, or trustee (or authorized official of a member, manager, general partner, or trustee) of Customer. However, if any names or titles are listed in the following line, "Account Manager" means only the following listed persons: . If Customer is a sole proprietor, "Account Manager" means only Customer individually (i.e., the owner of the Business) or an Attorney -in -Fact, if designated by Customer. If Customer is a trust (other than a business trust), "Account Manager" means only each individual trustee and each person authorized to act on behalf of any entity trustee of Customer. If Customer is a joint venture, "Account Manager" means only each joint venturer and each person authorized to act on behalf of the joint venture. If Customer is a governmental entity whose financial affairs are directed by a Financial Officer, "Account Manager" means only the Financial Officer. If Customer is a governmental entity whose financial affairs are directed by a governmental body, "Account Manager" means only the Certifying Official. Opening any Account will constitute Customer's agreement to be bound by all of Bank's account terms, conditions, documents, and agreements (as they may be amended from time to time) executed or delivered in connection with the Account. Banking Services. "Authorized Person" means any Account Manager as designated above in Section C6. An Authorized Person may perform any or all of the functions listed below. Subject to any written agreement (and other forms applicable to the products and services), between Customer and Bank, any one Authorized Person is authorized to: (1) sign checks, drafts, notes, acceptances and other instruments (collectively referred to as "Items"); (2) take any action and/or give in instructions in writing, verbally, electronically or otherwise, ("Instructions") as provided in the account terms, United States addendum to account terms or other agreement between Customer and Bank; and (3) identify, implement and contract with Bank for cash management product and services relating to an Account and/or other general banking services for the benefit of Customer, including without limitation electronic funds transfer services, electronic information services, automated clearinghouse services, lockbox services, fraud prevention services, and automated sweep investment services. Use of any such service will constitute Customer's agreement to Bank's standard agreements applicable to the products or services requested. 8. Changes to Authorized Persons. The Secretary, any Assistant Secretary, or any Account Manager may instruct Bank to add, delete or otherwise make changes to Authorized Persons by a written notice to Bank ("Change Notice"). The Change Notice should identify all changes to Authorized Persons, including persons added or deleted, certify the name, title, and signature of each additional Authorized Person, and set forth any limitations to the authority of Authorized Persons. 9. Deposits. Bank is authorized to accept for deposit, credit, collection, or any other purpose, items or electronic deposits payable to (1) Customer by any trade name or style used by Customer, or (2) any owner, shareholder, partner, member, manager, trustee, or venturer of Customer ("Owner"), or (3) more than one Owner, either jointly or in the alternative. All Items may be deposited to any Account with or without endorsement. 10. Continued Effectiveness. This Certificate will continue in full force and effect until Bank actually receives written notice from Customer revoking or modifying this certificate and Bank has had a reasonable opportunity to act on it. Bank may conclusively presume that this Certificate is in effect and that the persons identified from time to time as Account Managers or Authorized Persons by this Certificate, any signature card, or any Change Notice have been duly elected or appointed and continue to hold such positions. Customer releases Bank from any liability and will indemnify Bank against any loss, liability, or expense arising from Bank's reliance on this Certificate or any other certification or instructions provided by the Secretary, any Assistant Secretary, or any Account Manager. D. ADDITIONAL PROVISIONS (Only applicable to Trust or Governmental Entity) 11. Delegation of Authority for Trusts. If Customer is a trust (other than a business trust), each of the trustees expressly represents that the delegation of authority provided in this Certificate is for the ministerial act of executing instruments payable by, providing instructions to, or making deposits in Bank with respect to trust assets in an Account, which are authorized by the trust instrument. Bank is entitled to rely on this representation in conducting any business relating to any Account of the trust. Page 17 of 24 12. Death, Resignation, or Inability of Trustee to Act. If Customer is a trust (other than a business trust) and any trustee dies, resigns, declines to serve, or is unable to act as trustee, each surviving trustee or successor trustee is obligated to notify Bank and to provide Bank with a new Certificate authorizing Bank to act on the order or instruction of any newly appointed trustee. 13. Authority of Governmental Entity. If Customer is a governmental entity and Bank at any time determines that Customer is not authorized, or may not be authorized, under applicable law or its organizational documents to open any Account or to engage in any transaction or purchase any services relating to the Accounts, Bank may demand conclusive evidence of Customer's authority. Notwithstanding any agreement to the contrary, if Customer fails to provide conclusive evidence of its authority upon demand, Bank may immediately and without prior notice terminate any Account or service provided to Customer, and Bank will not be liable to Customer for any damages in connection with that termination. E. CERTIFYING SIGNATURES 1. Applicable to all Types of Organizations EXCEPT Governmental Entity X X Certifying Signature Certifying Signature Print Name: Print Name: Capacity/Title Capacity/Title E -Mail Address E -Mail Address Phone Number Phone Number Executed this day of , Page 18 of 24 2. Applicable ONLY to Governmental Entity a) Certifying signer is: ❑ Financial Officer ❑ Certifying Official X Official's Signature Printed Name Title E -Mail Address Phone Number For a Governmental Entity certified by a Financial Officer, the following must also be completed by an official other than the Financial Officer: I certify that the Financial Officer named above holds the office indicated in the foregoing Certificate, and is authorized by law to establish and administer the Accounts of Customer and to take all actions and enter into all agreements described in the foregoing Certificate. I further certify that the signature set forth above is the Financial Officer's signature. X Official's Signature Printed Name Title E -Mail Address Phone Number Executed this day of Page 19 of 24 CRA Instruction Sheet HEADING 1. Jurisdiction of Organization — This is the state, territory, or country where the entity was organized. 2. Tax Identification Number— Used by Internal Revenue Service (IRS) in the administration of tax laws. 3. Business Trust — A "business trust" as used in this Certificate (CRA) is a legal trust set up for the purpose of business in Delaware and Massachusetts. The purpose of a business trust is to operate a profit venture for the beneficiaries of the trust. 4. Governmental Entity (specify type) — Examples of governmental entities include municipality, county, state, government agency, school board, etc. A. DESIGNATION OF DEPOSITORY This is a statement regarding the purpose of this Certificate (CRA). B. CERTIFICATION — By Entity Type 1. Corporation, Limited Liability Company, Partnership/LLP, Unincorporated Association, or Business Trust — The appropriate officer must certify that the governing body of the Customer has adopted resolutions authorizing the actions and agreements described in this Certificate (CRA). After reading this paragraph, proceed to Section C. 2. Governmental Entity — There are 2 types of officials who may make the certifications in this Certificate (CRA) for a governmental entity, either a Certifying Official, or a Financial Officer. • Certifying Official — This is a person who has been elected/appointed/charged with the responsibility for the official records of the governmental entity that they represent, and holds an office comparable to a corporate secretary, e.g., for example, the Town or County Clerk, the Secretary of the School Board • Financial Officer - This is used for persons holding a specific governmental office which has been authorized by law to establish and administer Accounts for the governmental entity they represent, e.g., State Treasurer. After reading this paragraph, proceed to Section C. 3. Trust — (Other than a business trust) - The trustee or trustees must certify that all actions and agreements described in this Certificate (CRA) are in accordance with all requirements of law and of the Customer's trust agreement and all other governing documents. After reading this paragraph, proceed to Section C. 4. Joint Venture — Each joint venturer must certify that all actions and agreements described in this Certificate (CRA) are authorized. After reading this paragraph, proceed to Section C. 5. Sole Proprietor — This section indicates who may take the actions described in this Certificate on behalf of the owner of the sole proprietorship. If any person will be authorized to act on the behalf of the sole proprietor, they must be designated in this Certificate (CRA). This person will be known as "Attorney -in -Fact". A sole proprietor is not required to have an "Attorney -In -Fact". After reading and filling in this paragraph, if applicable, proceed to Section C. C. AUTHORIZATIONS (Applicable to all Types of Organizations) 6. Account Opening — This section identifies those persons (Account Managers) who will have authority to open Accounts for the entity described in this Certificate (CRA). Entity Type If this section is left blank, the following persons are "Account Managers" authorized to open accounts Any person holding an officer title with Customer Corporation, Unincorporated Association LLC, Partnership, LLP Any member, manager, general partner, or trustee, as applicable, of Customer Sole Proprietor The Customer individually (i.e., the owner of the Business) or an Attorney -in -Fact, if I designated by the owner of the business Each individual trustee or as specified in the trust agreement Trust (Other than a Business Trust) Joint Venture Each joint venturer Governmental Entity • If Customer is a governmental entity whose financial affairs are directed by a Financial Officer, "Account Manager" means only the Financial Officer. • If Customer is a governmental entity whose financial affairs are directed by a governmental body, "Account Manager" means only the Certifying Official Page 20 of 24 CRA Instructions/Explanations Account Opening, continued: If paragraph 6 is filled in with one or more specific position titles/functions, such as "vice president or controller", then only those persons holding that title and/or function will be allowed to open Accounts for Customer. If paragraph 6 is filled in with names of specific individuals, then only those individuals will be allowed to open Accounts for Customer. 7. Banking Services — Describes persons who are authorized to perform banking transactions for Customer and what those transactions may entail. "Authorized Persons"/'Account Managers" are designated in section C6 of this Certificate (CRA). 8. Changes to Authorized Persons — Describes how changes, additions, or deletions to those who are named as Authorized Persons may be made. 9. Deposits — Describes what Customer is authorizing Bank to do with deposits made into its Accounts. 10. Continued Effectiveness —Describes the terms under which this Certificate (CRA) will remain in full force and effect. D. ADDITIONAL PROVISIONS (Only applicable to Trust or Governmental Entity) 11. Delegation of Authority for Trusts (Other than Business Trust) — Declaration of the trustees as to the purpose of the delegation of authority described in this Certificate (CRA). 12. Death, Resignation or Inability of Trustee to Act — Describes the obligations of the trustees in the event that any trustee is unwilling or unable to perform his or her role. 13. Authority of Governmental Entity — Describes what actions Bank may take should Bank determine that Customer is not or may not be authorized to open Accounts or transact banking business. E. CERTIFYING SIGNATURES (who can sign the Certificate (CRA)) Entity Type Certifying Signature must be: Corporation, Limited Liability Company, Unincorporated The CEO, CFO, COO, President, Vice President, Treasurer Association, Business Trust Secretary or Assistant Secretary of the organization or other equivalent officer Only 1 signature is required, or as specified in the customer's organizational documents Partnership, Limited Liability Partnership Managing Partner or each Partner, if a Managing Partner has not been designated Trust (Other than Business Trust) All trustee(s) or as specified in the trust agreement Joint Venture Joint Venturer(s) Each Joint Venturer should sign Governmental Entity represented by a Financial Officer Financial Officer accompanied by a second official signer who authorized by law as described in these instructions: page 1, certifies that the person signing holds the office indicated section B2. Governmental Entity represented by a "Certifying Official' as Certifying Official described in these instructions: page 1, section B2. Sole Proprietorship Owner Page 21 of 24 Certificate of Incumbency I JPMorgan Chase Bank, N.A. V1.3_07_30_12 The undersigned certifies that: I am an authorized official of TEST CUSTOMER, duly organized and existing under the laws of the State of ("Organization"); that the information presented below is correct and the persons named below are presently holding the offices set forth opposite their respective signatures below; and each such signature is his or her genuine signature: Type or Print Name Signatures (Please sign inside the box) Phone and Fax (Name) (Phone) (Title) (Fax) E -Mail Address (Name) one) (Title) E -Mail Address (Name) (Phone) (Title) (Fax) E -Mail Address 07 (Name) e) (Title) (Fax) E -Mail Address (Name) (Phone) (Title) (Fax) E -Mail Address In Witness Whereof, I have hereunto subscribed my name and affixed the seal of the Organization, if applicable, this Day of 20_. By Signature Print Name Title By: I ILIO Page 22 of 24 Business Signature Card V2.2112514 CHECK ❑ Signatures for New Account(s) ❑ Additional Signatures for ❑ Replace All Signatures on Card of ONE: PRINT NAME TITLE SIGNATURE listed Account(s) PHONE NUMBER Account(s) listed below — — Customer Name: TEST CUSTOMER Address: 4322 KENMONT PL APT 5 City, State, zip COLUMBUS, OR 432204057, USA Telephone Tax ID Number: 232342342 Number: Account Title: Account Number(s): Accounts: ❑ All Accounts of Customer (Master Signature Card) Please check (See attached list) ❑ Selected Accounts Only (complete Account Numbers section above) one: INSTRUCTIONS: Use BLACK ink. Place the Manual or Facsimile signature within the box boundaries only. Do Not overlap signatures. Required: Indicate if the signature is Manual or a Facsimile in the "PRINT NAME" box. For your security, cross out all unused signature boxes before signing the signature card below. PRINT NAME TITLE SIGNATURE ❑Manual OR ❑Facsimile E-MAIL ADDRESS PHONE NUMBER PRINT NAME TITLE SIGNATURE ❑Manual OR ❑Facsimile PHONE NUMBER E-MAIL ADDRESS PRINT NAME TITLE SIGNATURE ❑Manual OR ❑Facsimile E-MAIL ADDRESS PHONE NUMBER The undersigned certifies to JPMorgan Chase Bank, NA (the "Bank") that (1) he/she is fully authorized to sign this Signature Card on behalf of the Customer and certifies that all statements made on this Signature Card are correct and in accordance with the Customer's internal account authorization, organizational and governing documents, (2) each signature presented on this Signature Card is the signature of the named person, who is fully authorized to sign and otherwise act on behalf of the Customer with respect to the Accounts identified in this Signature Card and (3) each Facsimile (including trade or assumed names and marks) provided above has been authorized for use as an Account Signer/ signature. The Customer acknowledges receipt of, and agrees to be bound by, the Bank's Account Terms and Service Terms, as may be amended or supplemented by the Bank from time to time. The Customer acknowledges and agrees that: (1) each person named and Facsimile in this Signature Card is an Account Signer/ signature and is authorized to be used to sign checks, endorse checks payable to the Customer, conduct any transaction whatsoever or obtain any information or obtain any service with respect to the Accounts subject to this Signature Card; (2) the Bank is entitled to rely on the authority of each Account Signer herein until the Bank receives written revocation of such authority; and (3) no notice of revocation will be effective until the Bank has a reasonable opportunity to act on it. Authorized Signature: Officer Title: Date: Authorized Signature: Officer Title: Date: INTERNAL USE ONLY THE ABOVE INFORMATION AND SIGNATURE(S) WERE VERIFIED BY: Print Name: Initials: Completion Date: Page 23 of 24 Customer Name: TEST CUSTOMER Account Title : Tax ID Number: Card of SIGNATURE /SIGNATURE 232342342 — — Account Telephone Number: Date: 7/23/2015 Number(s): TITLE ADDITIONAL SIGNATURES Page 24 of 24 PRINT NAME TITLE SIGNATURE /SIGNATURE ❑Manual OR ❑Facsimile E-MAIL ADDRESS PHONE NUMBER PRINT NAME TITLE ❑Manual OR ❑Facsimile E-MAIL ADDRESS PHO BER PRINT NAME TITLE SIGNATURE ❑Manual OR ❑Facsimile E-MAIL ADDRESS PHONE NUMBER PRINT NAME TITLE SIGNATURE ❑Manual OR ❑Facsimile E-MAIL ADDRESS PHONE NUMBER PRINT NAME TITLE SIGNATURE ❑Manual OR ❑Facsimile E-MAIL DRESS PHONE NUMBER Page 24 of 24 ACH ORIGINATION SERVICE TERMS V1.9_01_25_14 The origination of ACH Entries and the transmission and issuance of other transactions and information will be pursuant to these Service Terms and the Operating Rules and Guidelines (collectively the "Rules") of the National Automated Clearing House Association. Capitalized terms used in these ACH Service Terms, unless otherwise defined in the account documentation or these Service Terms, shall have the same meanings as set forth in the Rules. Customer and JPMorgan Chase Bank, N.A. (the "Bank) agree to comply with and be bound by the Rules as in effect from time to time. 1. Service. Bank provides automated clearing house ("ACH") origination services that will enable Customer to done or more of the following: • originate ACH Debit Entries; • originate ACH Credit Entries; and ' _ • instruct the Bank to issue or transmit prenotifications, reversals, requests for return, notifications nge or other information pertaining to the Entries. Origination of ACH Credit Entries and origination of ACH Debit Entries are two separate services and app r set up for one ACH service does not automatically create the ability to utilize the other. The Rules and these Service Terms shall apiNy to all Entries, whether or not transmitted through an ACH Operator. k IF It is Customer's responsibility to provide Entries and instructions to Bank with all the necessary information to complete Customer's requested transactions. Customer agrees to transmit Entries to Bank in the manner, at the times and in accordance with approved media, content and format as agreed by Bank and Customer. Bank may reject or delay processing transactions or information if instructions are not complete or are inaccurate, contain an inactive Company ID or otherwise do not meet the criteria Bank specifies for acceptance. All requests to Bank must be received by Bank before Bank's established cut-off time in order for processing to commence on that ACH processing day. Any request that is incomplete or that Bank finishes receiving after the relevant cut-off time will be processed by Bank on the next day Bank processes ACH transactions. All transactions are subject to acceptance by Bank. Bank will notify Customer of any transactions or other transmissions that are rejected or returned. If Customer wants Bank to re -process those transactions or transmissions, Customer must correct them and re -submit them. Customer agrees to furnish Bank with copies of any authorizations or notifications, if requested, as well as any other information reasonably requested by Bank relating to Entries originated by the Customer. Customer shall provide Bank's auditors and other personnel with reasonable access at all reasonable times to the Customer's facilities, data and records relating to the initiation of Entries for the purpose of auditing Customer's compliance with these Service Terms and the Rules. Security and Data Protectior4ProcedureS. All instructions received by Bank in Customer's name are subject to verification pursuant to mutually agreed security procedures. If Bank follows those procedures, Bank may process and transmit transactions or information in Customer's name. Unless Customer and Bank both otherwise agree, transmissions to Bank will be authenticated and/or encrypted using commercially reasonable security technologies meeting standards acceptable to Bank. If Customer uses a security procedure other than as described above, Customer acknowledges that Customer refused Bank's security procedure and chose another and Customer agrees to be bound by any transaction, whether or not authorized, issued in Customer's name and accepted by Bank in compliance with the security procedure Customer chose. If Customer elects not to utilize recommended message authentication and/or encryption technology, Customer assumes all responsibility for unauthorized disclosure or unauthorized access to Customer's data that occurs during transmission or while such data is in storage. Customer shall not disclose any Receiver's account number or routing number to any third party for such third party's use, directly or indirectly, in initiating a separate Debit. 3. Settlement and Exposure Limits. On the settlement date, Bank will credit Customer's account with Bank that Customer specifies for the total of: • Customer's Debit Entries that Bank processed for settlement that day; • RCCs issued for deposit t stomer's account on that day; and • any returned or reverse it Entries. Bank may delay the availabili of funds deposited into Customer's account by Debit Entry or RCC until those transactions cannot be reversed in accordance with the Rules or applicable law. Bank will debit Customer's account with Bank that Customer specifies for the total of Credit Entries processed in Customer's name and for any returned Debit Entries and RCCs. Bank may require Customer to pay Bank the amount of any Credit Entries on the date of transmission to Bank or otherwise prior to the settlement date. Bank also may require Customer to maintain collateral with Bank in an amount Bank specifies. Bank may from time to time establish or revise maximum dollar limits for the total value of all outstanding files of Credit Entries and/or Debit Entries and RCCs that Bank will release on Customer's behalf. Bank may change or cancel the limits at any time without prior notice to Customer; although Bank will try to notify Customer before Bank does that. Page 1 of 48 4. Warranties; Indemnity. Except as specified below, Customer will be deemed to make the same warranties to Bank as Bank makes pursuant to the Rules. In the case of an Entry to another account with Bank, warranties will be deemed to be given as of the time Bank first processes the Entry. Customer will not be deemed to warrant the power of the Bank under applicable law to comply with the requirements of the Rules or the conformity of Entries and other data Bank transmits to the file specifications contained in the Rules. The Customer further represents, warrants and covenants that (a) each Entry and RCC it originates will comply with all applicable U.S. laws and regulations and acknowledges that Entries may not be initiated that violate the laws of the United States, (b) unless Customer has identified itself to Bank as a Third Party Sender (as defined in Section 7) and obtained Bank's express consent to originate Entries as a Third Party Sender, Customer will not originate any Entries, or use any of its Company IDs to originate Entries, on behalf of third parties (including, without limitation, any affiliate of Customer), and (c) Customer will not permit a third party to originate Entries using a Customer account as the offset account unless Customer obtains Bank's express consent to do so. IAL, Customer agrees to indemnify Bank and Bank's employees, officers, directors and agents, and hold all of them harmless from and against any and all claims, demands, losses, liabilities or expenses (including attorneys' fees and costs) resulting directly or indirectly from (a) Customer's breach of any warranty made under these Service Terms and (b) compliance by Bank and the RDFT with /requeustomer makesfor a cancellation, stop payment, reversal or recall of any Entry or any RCC created by Bank under Section 1 hereofBank shall have no responsibility for any delay by any ACH Operator or RDFI in processing any Entry the nthe ACH Operator or failure to process or credit or debit any such Entry. 5. Stop Payments; Reversals and Recalls; Rejections. Customer's instruction to cancel, stop payment of, revers r recall one or more Entries must be received by Bank in such time and manner as Bank specifies. Bank will process these transactions in accordance with Bank's procedures advised to Customer. Any reversal or recall initiated by Bank is subject to acceptance by the RDFI. Instructions to reverse or recall an ACH Credit Entry that are not initiated by Customer in time to meet the prescribed NACHA deadline for reversals may be originated by Bank as a Debit Entry; Customer shall obtain authorization from the Receiver in accordance with the Rules for any such Debit Entry and all other terms of these Service Terms applicable to Debit Entries shall apply. Entries or other instructions may not be amended or modified. If Customer originates Debit Entries to an account or accounts at a financial institution that is not a Participating Depository Financial Institution in the ACH system (such account hereafter called a "Non-ACH Eligible Account"), all such Debit Entries will be rejected unless Customer subscribes to a service, subject to Bank's prior consent, pursuant to which Bank will process each such Debit Entry to a Non-ACH Eligible Account by preparing a remotely created check, as such term is defined in Federal Reserve Regulation CC (an "RCC"), on the Customer's behalf. The RCC will be drawn in the amount and on the Non -Eligible ACH Account of the individual or entity specified as the receiver in the Customer's instructions and will be deposited to the Customer's designated account with Bank, Such RCC will thereafter be processed through the check clearing system. If the Customer is using such service, the Customer hereby authorizes the Bank to create each RCC as described herein and the Customer warrants to the Bank, with respect to each RCC, that the person on whose account the RCC is drawn authorized the issuance of such RCC in the amount and to the payee stated in the RCC. The Customer authorizes the Bank to debit the Customer's account for any claim or return based upon an unauthorized RCC. All other terms herein related to Entries shall also apply to RCCs created under this Section. The Bank shall not create or process RCCs or other paper drafts in lieu of ACH Debits under any circumstances other than for Non- ACH Eligible Accounts and only when the Bank has consented 4aon e such service, even if the Customer includes an instruction in its file for the Bank to otherwise originate an RCC or paper draft. Third Party Service Providers. Customer may choosa third party service provider or service bureau to issue Entries or other instructions, handle returned Entries or perform other functions for Customer's behalf. If Bank accepts such Entries or other instructions, Customer will be bound by them. Customer is responsible for all actions taken or not taken by Customer's provider and Customer is responsible for all costs and expenses of Customer's provider. V Third Party Sender. If Customer is a Third ftrty Sender, as such term is hereafter defined, (a) Customer warrants that the Originator has agreed to be bound by the Rules and has satisfied the obligations of an Originator under the Rules; (b) in any case where the Originator fails to perform its obligations under the Rules as an Originator, Customer shall indemnify, defend and hold Bank harmless from and against any and all claims, demands, losses, liabilities and expenses, including attorneys' fees and costs, that result directly or indirectly from the failure of the Originator to perform its obligations as an Originator under the Rules; (c) Customer agrees to cooperate with Bank regarding any request for information concerning the identity of any Originator; and (d) Customer represents, warrants and covenants that neither these Service Terms nor anything related to the ACH Origination Services violates, contravenes or is inconsistent with any of the terms, conditions or provisions of any agreement, understanding or arrangement between Customer and the Originator. Further, Bank will rely on Customer to evaluate the legitimacy of the Originators and their transactions originated by Customer and for ensuring that instructions do not involve illegal activities. Customer must notify Bank immediately if Customer suspects or become aware of any activity or transaction of an Originator that Customer believes may be of an illegal or illegitimate nature or that involves the proceeds of illegal activity or that was conducted, in part or whole, for the purpose of disguising the source of funds. Bank will be entitled at any time upon notice to Customer to decline to provide the ACH Origination Services, or terminate the provision of ACH Origination Services, for any Originator on whose behalf are originating Entries if Bank determines that there are excessive returns or reversals of Entries originated on behalf of such Originator or if Bank becomes aware of any information indicating suspicious, fraudulent or illegal activity related to such Originator or for any other reason. As used herein, "Third Party Sender" means an entity that is not an Originator, that has authorized an ODFI or another Third Party Sender to transmit, for the account of the Third Party Sender or another Third Party Sender, (i) a credit entry to the account of a Receiver in order to effect a payment from the Originator (i.e., the third party on whose behalf the Third Party Sender is transmitting the entry) to the Receiver, or (ii) a debit entry to the account of a Receiver in order to effect a payment from the Receiver to the Originator (i.e., the third party on whose behalf the Third Party Sender is transmitting the entry). Without limitation of the foregoing, Third Party Senders include U.S. regulated financial institutions, brokers and other financial intermediaries as well as any other regulated or unregulated payment processors that are customers of the Bank and use their accounts to process payments for third parties (including affiliates of the Customer). Page 2 of 48 8. IAT Entries. If Customer is originating Entries that are required to be formatted under the Rules as IAT Entries, Customer will comply with all applicable Rules relating thereto, and Customer will originate such Entries only through one of Bank's ACH origination channels that support IAT origination. Some of Bank's ACH origination channels do not accommodate IAT Entries; upon request, the Bank will advise Customer as to which of Bank's ACH origination channels can be used for IAT origination. If a foreign currency conversion is performed by Bank in connection with an IAT Entry, Customer acknowledges that the foreign currency exchange rates fluctuate, and accepts the risk of such fluctuation, including fluctuations in rate between the time Customer submits the Entry Data Instructions and the time the transaction is executed and/or reversed, returned or recalled. Any payment returns and/or reversals will be credited to Customer's account in the currency in which Customer's account is denominated, and Customer is responsible for any rate fluctuations. In the event of an erroneous or duplicate IAT Entry originated for payment to a receiving bank outside the United States, the rights of Bank and Customer with respect to reversal or recall of such Entry are subject to the laws, regulations and payment system rules of the receiving bank's jurisdiction. Customer acknowledges and agrees that IAT Entries may be delayed in processing or posting due to the Bank's or RDFI's review of such Entries for OFAC compliance. Further, Customer understands and acknowledges that unlike PPD Credit Entries, there is no requirement under the Rules that IAT Credit Entries that are made available to an RDFI by its ACH operator by 5:00 pm on the banking day prior to the Settlement Date be made available to the Receiver at the opening of business on the Settlement date; cleared IAT Credit Entries must be made available no later than the Settlement Date of the Entry, but funds are not required to be available at opening of business on the Settlement Date. 9. Incorporation of Account Documentation; Termination. The provisions of the account documentation, including terms and conditions governing the operation of business accounts and services, are incorporated into these Service Terms by reference. By acknowledging or signing the applicable account documentation or by using or continuing to use the ACH Origination Services, Customer agrees to these Service Terms. In addition to Bank's termination rights under the aforementioned documentation, Bank shall have the right to terminate or suspend these Service Terms and the Services upon notice to Customer in the event of the Customer's breach of the Rules. Page 3 of 48 ACH Debit Block & ACH Transaction Review Service Terms 1. ACH Debit Block V1.1_10_01_12 (a) Service. JPMorgan Chase Bank, N.A. ("Bank") provides a service that allows Customer to block and return ACH debit entries originated to Customer's account with Bank. Customer can select from a variety of authorization or blocking criteria and advise Bank in a manner and form acceptable to Bank. Bank will return any blocked transaction indicating that the ACH debit was not authorized. (b) Company ID Numbers. If Customer elects an option that blocks or allows ACH debits from specified companies, Customer must supply the Bank with the applicable ACH Company ID Number of the Originator as it appears on the Company/Batch Header Record. The Company ID Number will be the sole criterion for blocking Debit Entries (unless Customer has also set maximum dollar limits) and Bank will have no obligation to take any other steps to determine the identity of the Originator. Customer will be solely responsible for obtaining the correct Company ID Number for each such Originator. Customer understands that Company ID Numbers are not unique and, that a Company ID Number may identify more than one Originator and one Originator may have multiple Company ID Numbers. Customer understands that Company ID Numbers are not a perfect filter and that transactions from Originators may be blocked or allowed if the Originator uses a Company ID Number other than the one Customer identifies. Bank will not be responsible for transactions blocked or allowed in accordance with the instructions Customer provides for the Company ID Number. (c) Debits Not Affected by Blocking. ACH debit blocks do not apply to certain transactions. The following types of ACH-related debits will not be blocked: • debits to Customer's account to offset any ACH credit Entries originated by Customer through Bank ; • reversals of previously received ACH credit Entries; • returns or reversals by the RDFI of ACH Debit Entries originated by Customer through Bank; • Reclamation Entries; • debits to Customer's account initiated by Bank or Bank's agent or affiliate to correct processing errors, effect back valuations, make other adjustments or for fees, charges or other amounts Customer owes Bank or Bank's affiliates; and • debits to Customer's account that the Bank posts pursuant to its internal procedures in order to comply with applicable law, regulations or payment system rules or guidance. 2. ACH Transaction Review (a) Service. Bank provides a service that allows Customer to review ACH debit and credit entries originated and posted to Customer's account with Bank and to instruct Bank to return some or all of these transactions. Customer shall use filter criteria available through the service to select the types or categories of incoming ACH debit and/or credit transactions it wishes to review or Customer may elect to review all incoming ACH transactions subject to Section 2(d) below. (b) Review and Return Process. Based upon the filter criteria selected by the Customer, ACH transactions meeting that criteria will be made available for Customer to review not later than a designated time on the banking day following the day on which the transactions are posted to the Customer's account. The details provided by Bank for each Entry will include account number, dollar amount, company ID, receiver's name, standard entry class code and settlement date. (c) Customer shall advise Bank by means of an agreed upon transmission method not later than Bank's designated cut-off time on the same day as transaction information is a made available of those transactions, if any, that are unauthorized and that Customer wishes to return. Bank is entitled to rely on any instructions which it receives and which it reasonably believe to be genuine. Bank shall return all such transactions and make corresponding adjustments to the Customer's account to which the transactions had been posted. All transactions reported to Customer as to which Bank does not receive a timely return instruction from Customer will remain posted. (d) ACH Transactions Not Subject to Review. The following types of ACH transactions will not be made available for Customer's review and decisioning: • debits or credits to Customer's account to offset any ACH Entries originated by Customer through Bank ; • reversals of previously received ACH Entries; • returns or reversals by the RDFI of ACH Entries originated by Customer through Bank; • Reclamation Entries; • debits or credits to Customer's account initiated by Bank or Bank's agent or affiliate to correct processing errors, effect back valuations, make other adjustments, or to comply with legal requirements or for fees or charges Customer owes Bank or Bank's affiliates; and • if Customer is also subscribing to the ACH Debit Block service, any transactions blocked and returned pursuant to that service. (e) Certain Reviewed Transactions Maybe Returned/Posted Despite Instructions. Certain transactions reviewed and approved by the Customer may nevertheless be returned by the Bank. This will happen if (i) there are insufficient funds in the Customer's account to cover the amount of an ACH debit or other charge, (ii) a stop payment was previously placed on the transaction, of (iii) the Bank determines the transaction must be returned for legal or regulatory reasons. Certain transactions that the Customer advises should be returned may nevertheless be posted by the Bank; these include ACH debits or credits to the Customer's account that the Bank posts pursuant to its internal procedures in order to comply with applicable law, regulations or payment system rules or guidance. 3. Incorporation of Account Documentation. The provisions of the account documentation, including terms and conditions governing the operation of business accounts and services, are incorporated into these Service Terms by reference. By acknowledging or signing the applicable account documentation or by using or continuing to use the ACH Debit Block and/or Transaction Review Services, Customer agrees to these Service Terms. Page 4 of 48 TAX PAYMENT SERVICE TERMS I JPMORGAN CHASE BANK, N.A. V1.1_11_26_13 1. Service. Bank will provide a service (the "Service") whereby Customer can direct Bank, via touchtone telephone or internet platform, to make tax payments through the automated clearing house (ACH) system from an account with Bank that Customer specifies. Customer may use the service to pay: • any federal taxes covered by the Federal Tax Deposit Coupons (Form 8109) that Customer has executed and delivered to Bank from time to time; • certain state taxes; and • certain municipal taxes. Bank may pay taxes from Customer's account in accordance with any instructions issued in Customer's name that Bar ierifies pursuant to the security procedures specified in these Service Terms. In using the Service, Customer agrees to comply with and be bound by the Operating Rules of the National Automated Clearing House Association ("NACHA Rules"). Receipt of Instructions and Cancellations. Customer may issue instructions and cancellations only during service hours that Bank specifies, and Customer acknowledges that Bank may change such service hours upon prior notice to Customer. Bank must receive instructions, including but not limited to payment cancellation instructions, not later than 6:00 p.m. ET (or such other time as Bank specifies) ,on the Business Day prior to the day on which the tax payment is due. For purposes of this Section, "Business Day" means a day on which.the Bank is open for business in its New York office. Instructions received after such time shall not be processed until the following business day and Customer shall be liable for any charges, fees or costs associated with such payment. Bank may reject or delay processing of a tax payment if the request is not complete or is inaccurate or otherwise does not meet the criteria Bank specifies for acceptance herein or in the User Guide (as hereafter defined). The Service is not designed or intended to be used for any ACH tax payment that is required to be formatted as an "International ACH Transaction" (or IAT) under the NACHA Rules. Customer agrees not to use or attempt to use the Service to originate any ACH tax payment that is required to be formatted under the NACHA Rules as an "International ACH Transaction" (or IAT). Customer shall indemnify and hold Bank harmless from and against any and all claims, demands, losses, fines, penalties, damages, liabilities and expenses, including, without limitation, legal fees and expenses, resulting directly or indirectly from any ACH tax payment processed or requested to be processed by Customer via the Service which should have been formatted under the NACHA Rules as an IAT. 3. Tax Payment Security Procedures. , (a) A Bank -issued or approved acce4s code and PIN and/or other security device `Security Device") is required to access the Service. The Customer shall be bound by and adhere to the security procedures and other procedures for use of the Service advised to it in writing through any medium by the Bank, as may be revised from time to time upon notice to the Customer (the "User Guide"). The Customer shall notify the Bank immediately of loss or theft of a Security Device, any unauthorized use of a Security Device or any other breach of security. The Bank may dishonor or disable any Security Device at any time and will inform the Customer of the same. The Customer agrees that any use of the Service with a Security Device is deemed to be carried out directly by and on behalf of the Customer. The Customer agrees to safeguard all Security Dev nd to instruct each Authorized User (as defined below) to do the same. (b) This Section 3(b) applies to use of the Service through the designated internet platform, but does not apply to touchtone telephone access. Customer shall designate an administrator (the "Administrator') who shall have authority in accordance with the operational instructions for the Service provided to Customer in the User Guide. Customer agrees to notify Bank of any change in Administrator in the manner and form designated by Bank. Any such changes shall be effective at such time as Bank has received such notice and has had a reasonable opportunity to act upon it. In accordance with the procedures contained in the User Guide, the Administrator shall be responsible for (i) designating individuals as users ("Authorized Users"); (ii) identifying the functions of the Service; (iii) requesting, creating, controlling, disseminating, and/or canceling user entitlements; (iv) receiving and distributing materials, notices, documents and correspondence relating to the security procedures; and (v) advising each Authorized User of his/her obligations hereunder and under the User Guide. The Administrator shall provide to the BanV, upon the Bank's request, a list of Authorized Users. 4. Open Network Access. Tqp Customer acknowledges that there are certain security, corruption, transmission error and access availability risks associated with using operfnetworks such as the internet, and the Customer assumes all such risks. The Customer shall make an independent ass ssment of the adequacy of the internet and the Bank's security procedures. The Customer further acknowledges that the selection and uby it of any third party security and communications software and third party service providers is the sole responsibility of the Customer, and 1he Bank disclaims all risks related thereto, notwithstanding that the Bank may recommend certain security and/or communications software and services. The Customer agrees to, at its sole expense, procure and maintain all hardware, browsers, software and telecommunications equipment necessary to access the Service in accordance with the Bank's recommended system configuration. 5. Funding. Customer authorizes Bank to debit Customer's applicable account for the amount of each tax payment and for any applicable bank fees and charges when due. In the event Customer does not have sufficient funds in Customer's applicable account to cover the amount of a tax payment, Bank shall have no obligation to make the tax payment for Customer. Bank may require Customer to pay Bank the amount of each tax payment on the date of transmission of the tax payment instruction or otherwise prior to the tax payment due date. Bank may from time to establish or revise maximum dollar limits for the total value of all outstanding files of tax payments that Bank will release on customer's behalf. Bank may change or cancel the limits any time without prior notice to Customer, although Bank will try to notify Customer before Bank does that. Page 5 of 48 Funds Bank receives and holds pursuant to the Service shall be held as a deposit liability to Customer and not in trust for Customer or the taxing authority. 6. Warranties; Indemnity. Except as specified below, Customer will be deemed to make the same warranties to Bank as Bank makes pursuant to the NACHA Rules although Customer will not be deemed to warrant the power of the Bank under applicable law to comply with the requirements of the NACHA Rules or the conformity of tax payments and other data Bank transmits to the file specifications contained in the NACHA Rules. Customer further represents and warrants to Bank that: (i) Customer shall not access the Service from any jurisdiction in which the Service is not authorized; and (ii) each tax payment Customer originates will comply with applicable U.S. laws and regulations and Customer acknowledges that payments may not be initiated that violate the laws of the United States. Customer agrees to indemnify Bank and Bank's employees, officers, directors and agents, and hold all of them harmless from and against any and all claims, demands, losses, liabilities or expenses (including attorney's fees and costs) resulting directly or indirectly from (a) Customer's breach of any warranty made under this Section and (b) compliance by Bank with any request Customer makes for a cancellation, stop payment, reversal or recall of any tax payment. Bank shall have no responsibility for any delay by any ACH Operator (as such term is defined in the NACHA Rules) or taxing authority in processing any tax payment Bank transmits to such entity or failure by such entity to process or apply any tax payment. 7. Stop Payments; Reversals and Recalls. Customer's instruction to stop payment of, reverse or recall one or more tax payments must be received by Bank in such time and manner as Bank specifies. Bank will process these transactions in accordance with Bank's procedures advised to Customer. Any reversal or recall initiated by Bank is subject to acceptance by the relevant taxing authority. Tax payment instructions may not be amended or modified. 8. Payment Limits. Bank may from time to time establish or revise (a) maximum dollar limits for each payment to be made by the Customer to a specified taxing authority, and (b) aggregate limits for all payments to be made by the Customer to a specified taxing authority within a 24-hour period. Bank may change or cancel the limits at any time without prior notice to Customer, although Bank will endeavor to give prior notice to Customer. Bank may require Customer to pay Bank the amount of any tax payment on the date of transmission to Bank or otherwise prior to the settlement date. Bank also may require Customer to maintain collateral with Bank in an amount Bank specifies. 9. Limitation of Liability. Bank's maximum aggregate liability in connection with the Service shall be limited as provided in the Account Documentation (as defined in Section 9 below) and shall be further limited to the lesser of the amount of any penalty or interest actually imposed by the applicable taxing authority or the total fees Customer paid Bank during the prior 12 months. 10. Incorporation of Account Documentation; Termination. The Bank's terms governing the operation of business accounts and services ("Account Documentation") are incorporated herein, as the same may be amended from time to time. If and to the extent that there is a conflict between the Account Documentation and these Service Terms, the provisions of these Service Terms shall prevail. In addition to Bank's termination rights under the Account Documentation, Bank shall have the right to terminate or suspend these Service Terms and the Service upon notice to Customer in the event of Customer's breach of the NACHA Rules. Page 6 of 48 JPMORGAN CHASE CLIENT ACCESS SERVICE TERMS V3.8_05_29_15 1. Service The Bank will provide a service (the "Service") for electronic access to the Customer's account information, reports and data (collectively, "Data") and for the electronic transmission to the Bank of messages, service requests, and payment and non-payment instructions (each an "Instruction") and from the Bank of messages, notifications and alerts, via online, host-to-host/file transfer and mobile channels. The Bank reserves the right to modify the applications and products (each an "Application") available via the Service, upon notice to the Customer. 2. Security Procedures 2.1. The security procedure for accessing the Service via the online and mobile channels includes an identification code and confidential password, and for certain functions, the use of a Bank issued or approved security device ("Security Device"), provided that the mobile channel allows for the use of a biometric identifier instead of a Security Device and identification code. The security procedure for accessing the Service via the host-to-host/file transfer channel includes the use of a Certificate, as set forth in Section 8 below. The Customer shall be bound by and adhere to the security procedures for use of the Service advised to it in writing through any medium by the Bank, as may be revised from time to time upon notice to the Customer, including without limitation the procedures set forth herein. The Customer shall notify the Bank immediately of loss or theft of a Security Device, any unauthorized use of a Security Device, or any other breach of security, including the compromise of a Certificate (as defined below). The Bank may dishonor or disable any Security Device at any time and will inform the Customer of the same. The Customer agrees that any use of the Service in compliance with a Bank issued security procedure is deemed to be carried out directly by and on behalf of the Customer. The Customer agrees to safeguard all Security Devices and to instruct each Authorised User, as defined in Section 2.3 below, to do the same. The Customer will be responsible for ensuring that the Security Devices are known to and used only by Authorised Users. 2.2. The Customer shall designate security administrators who shall have equal authority in accordance with the administrative control procedure for each Application and/or the authority to add, update or delete security keys in connection with the host-to-host/file transfer channels. The Customer agrees to notify the Bank of any change in security administrators in the manner and form designated by the Bank. Any such changes shall be effective at such time as the Bank has received such notice and has had a reasonable opportunity to act upon it. 2.3. The security administrators shall be responsible for (i) designating individuals as users ("Authorised Users"); (ii) identifying the functions of the Service, including the Mobile Application (as defined below), that each user may access; (iii) requesting, creating, controlling, disseminating, and/or canceling user entitlements; (iv) receiving and distributing materials, notices, documents and correspondence relating to the security procedures; and (v) advising each user of his/her obligations hereunder or under any of the applicable Account Documentation, as defined in Section 6 below. The security administrators shall provide to the Bank, upon the Bank's request, a list of Authorised Users. In the absence of a valid designation of a security administrator at any time, the Bank may deliver Security Devices and materials to any person authorized to act on behalf of the Customer with respect to the accounts. 3. Open Network Access; Equipment THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE". TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, ALL WARRANTIES AND REPRESENTATIONS, EXPRESS, STATUTORY OR IMPLIED, WITH REGARD TO THE SERVICE ARE HEREBY DISCLAIMED, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE AND COURSE OF DEALING OR USAGE OF TRADE OR WARRANTIES OF NON -INFRINGEMENT OR WARRANTIES AS TO ANY RESULTS TO BE OBTAINED FROM THE USE OF THE SERVICE. TO THE EXTENT THAT ANY IMPLIED WARRANTIES CANNOT BE DISCLAIMED UNDER APPLICABLE LAW, ANY SUCH IMPLIED WARRANTIES ARE LIMITED IN DURATION TO 30 DAYS FROM THE INITIAL DELIVERY DATE OF THE RELEVANT SERVICE. THE BANK AND ITS THIRD PARTY DATA AND SERVICE PROVIDERS DO NOT WARRANT OR GUARANTEE THE SECURITY, SEQUENCE, TIMELINESS, ACCURACY OR COMPLETENESS OF THE DATA OR THAT ANY PART OF THE SERVICE WILL BE ERROR -FREE OR UNINTERRUPTED. The Customer is responsible for, at its sole expense, obtaining, installing, maintaining and operating all browsers, software, hardware, telecommunications equipment or other equipment (collectively, "System") necessary for the Customer to access and use the Service in accordance with the Bank's recommended system configuration, and the Bank disclaims all risks relating thereto and makes no endorsement thereof, notwithstanding that the Bank may recommend certain Systems or provide a link to a third party site where the Customer may download software. The Customer acknowledges that there are certain security, corruption, transmission error, and access availability risks associated with using open networks such as the Internet and the Customer hereby expressly assumes such risks. The Customer further acknowledges that it has made an independent assessment of the adequacy of the Internet, the System and the security procedures in connection with the use of the Service. The Bank is not responsible for any errors or problems that arise from the malfunction or failure of the Systems nor is the Bank responsible for notifying the Customer of any upgrades, fixes, or enhancements to, or for providing technical or other support for the System. 4. Instructions; Data 4.1. The Customer shall be solely responsible for the genuineness and accuracy, both as to content and form, of all Instructions properly received by the Bank. 4.2. The Customer acknowledges that Data may not have been reviewed by the Bank, may be inaccurate, and may be periodically updated and adjusted. The Bank is not obligated to assure the accuracy of Data and will not be liable for any loss or damage arising out of the inaccuracy of Data. Further, the Bank shall have no liability for the receipt or viewing by any party of Data sent to the destinations designated by the Customer, including but not limited to email addresses, fax and telephone number(s). Page 7 of 48 5. Customer Warranties The Customer represents and warrants to the Bank that: (i) prior to submitting any document or Instruction that designates Authorised Users, the Customer shall obtain from each individual referred to in such document or Instruction all necessary consents to enable the Bank to process the data set out therein for the purposes of providing the Service; (ii) the Customer has accurately designated in writing or electronically the geographic location of its Authorised Users and shall provide all updates to such information; and (iii) the Customer shall not access the Service from any jurisdiction which the Bank informs the Customer or where the Customer has knowledge that the Service is not authorized. The Customer hereby represents and warrants to the Bank that these Terms constitute its legal and binding obligations enforceable in accordance with its terms. 6. Miscellaneous 6.1. The additional jurisdiction specific provisions set forth in the attached Exhibit are applicable to the Customer based on the domicile of the Customer. Where any local laws or regulations of any jurisdiction apply as a result of the Customer's Authorised Users accessing the Service from such jurisdiction or as a result of the location of such accounts in such jurisdiction, the jurisdictional specific provisions of that jurisdiction shall apply to the use of the Service by such Authorised Users. The Bank's terms governing the business accounts and services, including service terms that govern the Bank's processing of Instructions transmitted via the Service ("Account Documentation"), are incorporated herein, as the same may be amended from time to time. If and to the extent that there is a conflict between the Account Documentation and these Service Terms, the provisions of these Service Terms shall prevail. 6.2. These Service Terms shall be governed by and construed in accordance with the laws of the State of New York, USA (without reference to the conflict of laws rules thereof). 6.3. All disputes arising outside the United States relating to or in connection with these Service Terms shall be finally settled under the Rules of Arbitration of the International Chamber of Commerce by one or more arbitrators appointed in accordance with the said Rules. The place of arbitration shall be (i) Singapore where the dispute arises in Asia and (ii) London where the dispute arises elsewhere (other than the United States) and the arbitration shall be conducted in English. With respect to any dispute, suit, action or proceedings arising in the United States relating to these Service Terms, the Customer irrevocably submits to the non-exclusive jurisdiction of the courts of the State of New York and the United States District Court located in the borough of Manhattan in New York City. 7. Mobile Application The Service is available via a Bank mobile application (any such application, including released modifications, updates, upgrades, successor and substitute software programs as may have been provided by the Bank to the Customer, a "Mobile Application"). 7.1. Accepting use of the Bank's SMS Text Notification Service and/or the Mobile Application service constitutes the Customer's authorization for the Bank to send Data, message notifications and alerts through any communication service providers, including both Internet and telecommunications providers, which shall each be deemed to be acting as the Customer's agent. Such providers may not encrypt communications. 7.2. Authorised Users may be required to accept an application agreement or license in order to download the Mobile Application. The Customer acknowledges that the Account Documentation shall in all cases govern the provision of these services. 7.3. The Customer acknowledges that the Bank shall not be liable for any delays in any Data, message notification or alert delivered via any mobile device. 8. Host-to-Host/File Transfer Services The Service is available via host-to-host/file transfer Services. The Customer and the Bank will use the following procedures for transport encryption/authentication and digital -signature public key management using a certificate ("Certificate"). 8.1. The Bank shall have the right to rely on any request relating to and in connection with the host-to-host/file transfer channels that the Bank believes in good faith to have been sent by a security administrator, notwithstanding that such security administrator may be a third party agent acting on behalf of the Customer. 8.2. All requests to add, update or delete security keys will be coordinated through the Customer's customer service officer (or other designated Bank representative as the Bank may direct). 8.3. Customer shall provide a request and supplementary material (such as a text file or other physical representation of the public security keys of the relevant Certificate) in accordance with the Bank's administrative control procedures of the action to be taken, a request for a suggested date and time the action is to be taken, and an attached file containing the Certificate. The Bank shall effect such change requests within a reasonable period of time; however, such requests must be received at least two U.S. banking days prior to the security key implementation date. 8.4. Upon receipt of Customer's request, the Bank will validate the request. Upon successful confirmation, the Bank will reply confirming receipt of the security key file and the scheduled date and time for the action to take place. Requests for security key additions, updates or deletions will be actioned during the course of normal business hours, Monday through Friday, 8:30 AM — 5:30 PM Eastern Time (United States). The Bank shall not take any action until a request has been received from the Customer which the Bank acting in good faith believes to be an authorized request, in the form the Bank advises the Customer. 8.5. The Customer agrees to abide by Bank's administrative control procedures for security Certificates, including the following: (i) Certificates must have a finite validity period, the maximum length of which is determined by the combined use of a Transport Certificate and a Signature Certificate. • If digital -signature is applied to the file/payload, then the following applies: Page 8 of 48 o The Signature Certificate validity period is limited to five years, provided that the Transport Certificate validity period is two years or less; OR o The Transport Certificate validity period is limited to five years, provided that the Signature Certificate validity period is three years or less. If no digital -signature is used, then the Transport Certificate validity period is limited to two years. (ii) No Certificate shall be accepted unless it adheres to the following cryptographic specification: Message digest: SHA -1, SHA -2, AES256 Asymmetric algorithm: RSA, DSS Asymmetric algorithm key length: 2048 bits or more Notwithstanding any courtesy notifications from the Bank regarding the Customer's impending Certificate expiration, the Customer acknowledges that it is the Customer's sole responsibility to update the Certificate prior to its expiration date. The Bank shall have no liability for any loss or damage (including, for the avoidance of doubt, any indirect, special, punitive or consequential damages or losses) arising from the Customer's failure to timely update its Certificate. To allow for proper execution of administrative control procedures, and to prevent any lapse in service or emergency procedures, the Customer must request a Certificate change at least 30 days prior to actual Certificate expiration. Page 9 of 48 JURISDICTION SPECIFIC PROVISIONS EXHIBIT A. Australia & New Zealand To the extent that any supply made by the Bank under these Service Terms is a taxable supply for the purposes of the Australian Goods and Services Tax, or that goods and services tax under the New Zealand Goods and Services Tax Act 1985 is payable in respect of any supply under this License Agreement, ("GST"), the fees payable in respect of that taxable supply ("original amount") will be increased by the amount of GST payable in respect of that taxable supply. Customer must pay the increased amount at the same time and in the same manner as the original amount. B. Peoples Republic of China Any dispute arising from or in connection with these Service Terms shall be submitted to the China International Economic and Trade Arbitration Commission ("CIETAC") for arbitration which shall be conducted in accordance with its arbitration rules in effect at the time of applying for arbitration. The hearing place shall be Beijing. The arbitral award is final and binding upon both parties. C. Indonesia The Bank and the Customer agree that, for the effectiveness of any termination of these Service Terms or the Services provided hereunder, they hereby waive any provisions, procedures and operation of any applicable law to the extent a court order is required for the termination of these Service Terms and the Account Documentation as applicable to the services provided under these Service Terms. Section 7.3 shall be replaced by "Except for losses directly resulting from errors or delay caused by the Bank's gross negligence or willful misconduct, the Customer acknowledges that the Bank shall not be liable for any delays in any Data, message notification or alert delivered via any mobile device. D. Malaysia/Labuan -. (i) The following terms shall apply in relation to the Service where it is provided in relation to accounts in Malaysia/Labuan and/or where the Service is provided in Malaysia/Labuan: (a) Any references in the Service Terms to the term "Bank," shall mean J.P. Morgan Chase Bank Berhad (for Malaysia) and J.P. Morgan Chase Bank, N.A., Labuan Branch (for Labuan). (b) The Customer acknowledges that it may, through its security administrators, create maximum limits (at a user entitlement level) in relation to funds transfers that may be conducted using the Service, to limit the Customer's risks. Notwithstanding anything to the contrary in these terms, the Customer shall not be liable for any loss which is not attributable to or contributed to by the Customer. (ii) If the Service is to be accessed by a Customer (1) who is domiciled or incorporated in Malaysia (other than Labuan), or (2) in Malaysia (other than Labuan), that Customer undertakes not to access or utilize or attempt to access or utilize the Service provided by J.P. Morgan Chase Bank Berhad through any JPMorgan website other than http://www.jpmorganaccess.com.my. E. Republic of China (Taiwan) Section 7.3 shall be replaced by "Except for losses directly resulting from errors or delay caused by the Bank's gross negligence or willful misconduct, the Customer acknowledges that the Bank shall not be liable for any delays in any Data, message notification or alert delivered via any mobile device." The Customer acknowledges that it will take steps to ensure it enters into the correct website before attempting to access the Service. Notwithstanding anything to the contrary contained in these Service Terms and the Account Documentation as applicable to the services provided under these Service Terms, the Bank shall have the right to proceed against the Customer in any other competent court in any other jurisdiction where the Customer's assets are situated from time to time and the Customer agrees to submit to the jurisdiction of any court so chosen by the Bank. The Customer further agrees to waive any objections on the ground of venue or forum non coveniens or any similar ground. The taking of proceedings in any jurisdiction shall not preclude the taking of proceedings in any other jurisdiction whether concurrently or not. The Customer irrevocably and unconditionally waives any objection it may now or subsequently have to the choice of venue of any legal action arising out of or relating to these Service Terms and the Account Documentation as applicable to the services provided under these Service Terms. The Customer also agrees that a final judgment against it in any such legal action shall be final and conclusive. Page 10 of 48 F. European Union. The Customer acknowledges that it is not a "consumer" for the purpose of the European Union's Electronic Commerce Directive ("ECD") (i.e. that it is not an individual) and agrees that the Bank shall not be required to make any disclosures or do any other thing which a non- consumer may agree not to require under the UK rules and legislation implementing the ECD. For further information on the Bank, please see "Notice regarding EU e-commerce information" in the Terms & Conditions on http://www.jpmorgan.com. The Bank will collect information about the Customer and the Customer's employees and agents (such as, without limitation, authorized signatory details) which may constitute personal data for the purposes of the Data Protection Act 1998 (the "Act") and other relevant data protection legislation. Such personal data may be collected by or on behalf of the Bank in a number of ways (the "Collection Methods"), including via documentation relating to the provision to or use by the Customer of electronic banking services, or via the Customer's use of such electronic banking services, and via other correspondence or communications between the Customer and the Bank. The Bank will use personal data collected by it or on its behalf via the Collection Methods for the following purposes (the "Purposes"), namely for the purpose of providing the services to the Customer in accordance with these Terms and the Product Terms, for the Bank's internal administrative purposes, for contacting the Customer about products and services which the Bank or other members of the Bank's group offer which the Bank believes may be of interest to the Customer, Ad as may be otherwise required by law or applicable regulatory or governmental authorities, and such purposes may include transfer of such personal data outside of the European Economic Area to the Bank's subsidiaries or other connected companies or to other organizations as may be required by law or other applicable regulatory or governmental authorities. (iii) The Customer shall ensure that any disclosure of personal data made by it or by its employees or agents via the Collection Methods which relate to the Customer's employees or agents is only made following notification by the Customer to data subjects of the Purposes for which their personal data may be processed by or on behalf of the Bank, and is otherwise fair and lawful. sV Page 11 of 48 LOCKBOX SERVICE TERMS I JPMORGAN CHASE BANK, N.A. V1.4_05_16_13 Lockbox is a remittance processing Service offered to customers to support their accounts receivables business needs. Through this service, the Customer's remittance deposits are sent to a Post Office Box and picked up by the Bank and delivered to or via courier for further processing and posting to the Customer's deposit account. These Lockbox Service Terms ("Service Terms") supplement the deposit account terms ("Account Terms") governing Customer's deposit accounts with the Bank, which are incorporated herein and shall continue to apply in all respects, as amended hereby. By acknowledging or signing the applicable Account Documentation or by using or continuing to use this Service, Customer agrees to these Service Terms. 1. Service. The Bank will maintain the Post Office Box for the Customer's remittances and will have unrestricted and exclusive access to the Post Office Box while providing the Lockbox Service. Customers requiring Caller Service or Business Reply Mail Service for remittance collection must obtain prior approval from the Bank. Upon approval, the Customer will secure such services directly with the Unit States Postal Service (the "USPS") and ensure the Bank is authorized to collect the mail. The Bank shall not be responsible for delay rocessing due to the Customer's failure to pay the USPS for such services or any other action taken or not taken by USPS. The Bank ma irect clients to include specific codes or formats within their assigned address in order to ensure mail is identified correctly. The Customer is responsible for ensuring their customers' remittances are properly addressed in order to prevent delays in processing. 2. Deposit; Endorsement. The Bank will collect all mail delivered to the designated Post Office Box, and will open th , process the checks eligible for this service (the "Items") and credit the funds to the Customer account or process for collection the Items rec ived, except: i) Items which the Customer has instructed the Bank in writing, and the Bank has agreed not to process; ii) Items which the Bank believes should receive the Customer's special attention; iii) Items for which the Customer is not the payee, unless the Customer has provided proper authorization to process for credit or collection of such Items; and iv) any other matter or merchandise received. The Bank will not process such excepted Items or other matters or merchandise, but will forward them to the Customer unprocessed. The Bank assumes no responsibility for the inadvertent processing of Items excepted from processing. The Bank will process credit card payments as point of sale transactions, obtaining authorization as required by applicable card rules; provided, however, the Bank will not place phone calls for authorization of referrals or process credit transactions. The Bank shall not be deemed a merchant processor and shall not be liable for any data entry errors or any chargeback. The Bank assumes no liability for any matter or merchandise received through the Post Office which is not a depositable Item, including cash. Any failure by the Bank to process an Item other than as provided herein does not constitute a failure by the Bank to exercise ordinary care. The Customer shall be liable to the Bank as a general endorser on all Items processed by the Bank. 3. Differing Amounts. If the amount of an Item written in words and figures differ, the Item will be processed for amount written in words. If the Item is accompanied by an invoice or statement and the amount on the statement matches the amount written in figures, and the Customer has requested, and the Bank has agreed, to process such Item for the amount written in figures, the Item may be processed for the amount written in figures. In the event the Ban esses the Item for the amount written in figures, the Customer indemnifies the Bank for any claim which may arise from that action. 4. Foreign Items. This Service is limited to Items drawn on domestic bankWo to the extent the Bank notices that any Items drawn on foreign banks have been deposited, such Items shall be forwarded to Customer as unprocessable. 5. Returned Items; Re -presentment. If any Item is returned to the Bank unpaid for any reason or there is a claim involving an Item deposited to the Customer Account, the Bank will charge back that Item, together with any fees or other amounts allowed on such claims or for returned Items, against the Customer Account, regardless of whether such debit causes an overdraft to the Customer Account. If, however, the Bank has been instructed in writing by the Customer to re -present Items which have been dishonored or returned to the Bank unpaid for reasons other than account closed, the Bank may do so automatically and without notice to the Customer, and the Bank reserves the same rights to debit the Customer Account should any such Items remain unpaid after the re -presentment. 6. Security for Imaged Items. The Bank has specified Security Procedures for receiving and accessing Imaged Items, Imaged Documents and lockbox transaction data. The Bank is not obligated to send any images or data or allow access through the Delivery Media to any images or data which are not requested or accessed in accordance with the Security Procedures. The Customer acknowledges that once a CD-ROM is received, or it has accessed images by any Delivery Media, persons having access to the Customer's computers and image archives may have access to the Imaged Items, Imaged Documents and lockbox transaction data. 7. Image Option. If the Customer elects and this image option is available at the designated Bank processing location, the Bank will provide images of the Items ("Imaged Items") received together with images of related documents ("Imaged Documents"), through the media ("Delivery Media") and at the intervals agreed upon between the Bank and the Customer. The Customer may receive additional service material, including user guides, software licenses and other terms in connection with the selection of this option. Page 12 of 48 Original Documents; Image Storage. Unless the Bank has agreed otherwise, the Bank will image all Items and associated remittances and retain original documents on site for no longer than 14 days. All original documents will be destroyed 14 days after processing. If the Customer uses the Bank's Regional Retail Lockbox product, associated original documents are retained on site no longer than 7 days. The Bank will store Imaged Items for a period of seven (7) years from the date of the applicable transaction regardless of any additional imaging service requested by the Customer. If the Customer elects storage of Imaged Documents, the Bank will store Imaged Documents for a period of thirty (30) days (Short Term Storage) to ten (10) years (Long Term Storage) from the processing date of the applicable transaction., per the Customer's selection If the Customer elects to image and not store Imaged Documents with the Bank, such images will be delivered to the Customer via daily Direct Image Transmission. 9. Accuracy; Legibility. The information delivered to the Customer through the Delivery Media will be the same as the information in the data entry file provided to the Customer for the applicable time period. If the data entry file contains errors, those errors will also occur on the Delivery Media. The Bank will provide images that are as legible as possible given the legibility of the underlying remittance documents and the selected Delivery Media. The Bank has no liability or responsibility for the condition of the original remittance items provided to the Bank, and it reserves the right to review and approve sample remittance items for legibility prior to providing this service. The Customeeisonsible for reviewing images obtained through the Delivery Media and to promptly notify the Bank of any images that are not clear. 10. Disclosures. As between the Customer and the Customer's clients, if applicable, certain payments collecteder may be subject to various cut-off times and payment deadlines (the "Disclosures"). The Customer acknowledges and agrees that the Bank has no duty to inquire as to the content of any such Disclosures, is not bound by them, and makes no representations or warranties, explicitly or implicitly, regarding same. The Customer is responsible for ensuring that the processing and payment cut-off times established by the Bank are in compliance with the Disclosures and Customer's responsibilities under applicable laws and regulations. The Customer further acknowledges and agrees that the data processed by the Bank belongs to the Customer or the Customer's clients. 1 r Page 13 of 48 VIRTUAL REMIT LOCKBOX SERVICES V1.2_03_18_13 Virtual Remit is a remote scanning service that processes remittances and promotes Customers' efficiency in their businesses. Through this service, the Customer's remittance deposits can be imaged and transferred to JPMorgan Chase Bank, N.A. (the "Bank") via a Bank supplied data platform for further processing and posting to the Customer's deposit account. 1. Service The Bank, which may include designated agents of the Bank, will provide Customer with Virtual Remit services for domestic transactions (the "Service") in accordance with the provisions set forth in this document (the "Service Terms"). The provisions of the Lockbox Service Terms and Account Terms are incorporated into these Service Terms by reference. Processing Customer shall provide through Bank approved devices the captured check ("Item") and Document Images in the format and specifications and in accordance with the procedures required by the Bank. The Bank may process the Items as substitute checks, electronic images or photos -in -lieu, as may be applicable for further clearing through another financial institution, clearinghouse or the Federal Reserve Bank. Customer assumes sole responsibility for the creation of these images and their subsequent provision to the Bank. If any Item or Document Image does not meet the Bank's or any transferee's standard processing requirements, in processing such Items, Customer assumes all risk of loss or delay and authorizes the Bank to either (a) return the Item to the Customer without further processing, (b) process the Item as sent from the Customer, (c) process the Items as photos--in-lieu of the originals, or (d) repair or attempt to repair the items for further processing. 3. Deposit Time Items and Document Images are deemed received by the Bank when the Items and Document Images have been transferred onto the Bank's system and made available for the Bank to validate. Based upon the size of the batch of items, there may be a significant delay between the time Customer begins to send the items and the completion of the transfer as stated above. As a result, Customer will make every effort to send the items as early as possible. Items that are received after a deposit deadline will be considered deposited as of the next deposit deadline. Processing fees and funds availability will be assessed based on meeting the deposit deadlines in the availability schedule. 4. Foreign Items The Service only accepts and processes Items and Document Images drawn on U.S, chartered banks. 5. Warranties. 5.1 Customer represents and warrants to Bank that: • Customer will capture and transmit all Items and Document Images using Bank approved hardware and software applicable to the Service's function; • Any image Bank receives accurately and legibly represents all of the information on the front and back of the Item as of the time the Item was truncated; • The information Customer transmits to Bank corresponding to an Item contains a record of all applicable MICR -line information required for a substitute check and the accurate amount of the Item; • The Item conforms to the technical standards for an electronic Item set forth in Regulation J or Federal Reserve Bank Operating Circular 3, and for a substitute check set forth in Regulation CC; • No person will receive a transfer, presentment, or return of, or otherwise be charged for, the Item (either the original Item, or a paper or electronic representation of the original Item) such that the person will be asked to make payment based on an Item it has already paid; • Customer will not redeposit through this Service any Item previously deposited and returned to Customer; • Customer will employ commercially reasonable security measures, including firewalls, sufficient to protect against unauthorized access or duplicate presentment; • Customer will only transmit Items that originated as paper checks; • Customer will comply with all applicable laws and regulations; • Customer will not use the Service for any purpose prohibited by foreign exchange regulations, postal regulations or any other treaty, statute, regulation or authority; and • If the Customer is depositing Items on behalf of third parties, the Customer also represents and warrants to the Bank that with respect to each Item deposited through the Service, the owner of the Item has authorized the electronic transmittal of the Item and guarantees all prior endorsements; Customer has established an anti -money laundering program in compliance with anti -money laundering laws and regulations applicable to it and such anti -money laundering program includes policies, procedures and controls designed to detect and prevent money laundering, including "know -your -customer" policies and procedures, monitoring of transactions for suspicious activities and reporting of suspicious activities, which Customer believes effectively prevents the use of Customer's operations, personnel or facilities for money laundering purposes. Page 14 of 48 6. Disclaimer. Bank makes no representations or warranties, whether express, implied or statutory regarding or relating to any of the software, capture devices or other hardware and/or access to or use of them or the related materials and the Service. Bank specifically disclaims any and all implied warranties of merchantability and fitness for a particular purpose and non -infringement. Bank and its subcontractors also do not guarantee that Customer's access to the Services will be uninterrupted, error free or secure. 7. Indemnification. Customer agrees to indemnify and hold the Bank harmless for any loss or expense (including attorney's fees and expenses of litigation) resulting from: breach of any of the warranties made by Customer pursuant to these Service Terms or the Lockbox Service Terms; any claim pertaining to any warranty or indemnity that Bank makes with respect to an Item under the Check Clearing for the 21st Century Act, Federal Reserve Board Regulations CC and J and all other laws, regulations and industry and clearing house rules applicable to Items as either the bank of first deposit, truncating or reconverting bank. 8. Customer Liability. Customer shall be solely responsible if any item for which Customer has been given provisional credit is returned or reversed, and neither Bank nor its subcontractors shall be liable or responsible for same. Customer acknowledges that all credits received for deposit are provisional, subject to verification, final settlement, warranty claims or return. Information and data reported under these Service Terms: (a) may be received prior to final posting and confirmation and are subject to correction and (b) are for informational purposes only and may not be relied upon. Customer agrees that Bank shall have no liability for the content of payment -related information as received from the Customer. Customer shall be solely responsible for the original Items, including storage, retrieval and destruction. Cu tomer agrees to provide a legible copy of an image or the original Item if requested by the Bank. If Customer is unable to provide the origilegible copy, Customer s4�e Iia any associated loss or claim involving the Item. 9. Suspension/Cancellation of Service. , Bank reserves the right to suspend or terminate the Service, in whole or in part if Bank believes Customer is in breach of these Service Terms or is otherwise using or accessing the Service in a manner inconsistent with the rules and regulations relating to the Service being provided and such breach, use or access is not cured within three business days after notice to Customer. Further, this Service will automatically terminate if the Customer's account with the Bank is closed for any reason. Either party may terminate the Service upon thirty (30) days' prior written notice to the other party. 10. Intellectual Property Ownership. 4 Neither these Service Terms nor the provision of the Service transfer to Customer any ownership or proprietary rights in the Bank's technology or any work or any part thereof, and all right, title and interest in and to the Bank's technology will remain solely with Bank or its subcontractors. 11. Audits. Customer agrees that the Bank shall have the right to audit Customer's books, records, processes and procedures for managing and maintaining the security and safety of the scanners, transmissions and original Items, including the right to audit Customer's and Customer's agents, if any, physical locations where Customer scans original Items and processes electronic check images and data related to the Service. Scanners provided through this Service are to only be used at locations within the United States. ©2013 JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC. All services are subject to applicable laws and regulations and service terms. Page 15 of 48 COIN & CURRENCY SERVICE TERMS SERVICE V1.3_10_25_13 JPMorgan Chase Bank, N.A. (the "Bank") will provide Customer with one or more of the coin and currency services listed below (each a "Service") in accordance with the provisions set forth in these Service Terms. The provisions of the Bank's account documentation, including terms and conditions governing the operation of business accounts and services as well as other service guides or material (the "Account Documentation") are incorporated into these Service Terms by reference. By signing the applicable Account Documentation or by using or continuing o use any of these Services, the Customer agrees to these Service Terms. CASH ORDERS 1. Cash Orders. The Customer may issue written instructions to the Bank to release United States coin and curre ("Cash") to aetodebit d courier service (the "Courier") as designated by the Customer in accordance with the Bank's guidelines ("Cash Order'). The Cusowledges that Cash Orders can be transmitted to the Bank only during such time as set forth in the guidelines. The Bank is authorize the account of the Customer designated in the Cash Order for the amount of a Cash Order (the "Cash"). If the Bank has agreed to such anar angement, the Customer may also place a Cash Order directly at one of the Bank's branch locations by issuing a check to debit the Custom ount at the Bank or as a "cash for cash" exchange. If there are insufficient funds in the designated account, the Bank is authorized to re a Cash Order, to fill a partial Cash Order, to debit the designated account even if such debit causes an overdraft, or to debit an7 othe a of the Customer at the Bank. 2. Cash Limits. The Bank and the Customer may agree to the amount of Cashthat ivered pursua Cash Order Limit"). 3. Discrepancies for Cash Orders. All Cash Orders must be validated by the Customer within 24 hours of receipt. If a currency strap, coin bag or wrapped coin discrepancy is identified, the Customer may contact Cash Services Customer Support at 888-872-0517 to request a Cash Order Claim Form. The completed form and proper documentation must be sent to the Bank and post marked within 48 hours of receipt of the Cash Order. Any claims post marked after the 48 hour period may be denied and the Customer will have no right to request or receive an adjustment after such time period. 4. Cancellations and Amendments. A Cash Order may be cancelled by the Customer telephonically, electronically or in writing by a person the Bank reasonably believes to be authorized to act on behalf of the 'ustorLr and only if the cancellation is received within a reasonable time before the Cash is delivered to the Courier ("Cancellation"). A Cash Order be amended telephonically and the Bank will not be responsible for any change in a Cash Order it has received. Any attempt to amen r electronically may result in duplicate Cash being delivered. 5. Notice of Rejection. If the Bank rejects a Cash Order, it will promptly notify the Customer of the reason. 6. Notice of ExecutioW The Bank will notify the C stomer when it has executed a Cash Order. Unless, within three (3) business days after receipt of notification of the execution of a Cash Order, the Customer notifies the Bank in writing that a Cash Order was unauthorized or otherwise unenforceable against the Customer, the Bank shall not be liable for executing the Cash Order as notified, including any loss of interest. 7. Security Procedure. r The Customer must place a Cash Order using a touch-tone telephone, or other electronic communications device mutually agreed upon by the Customer and the Bank, based upon codes assigned by the Bank to the Customer which identify the Customer and the location (collectively, "Codes"). The Customer agrees that use of Codes constitutes a security procedure for verifying the authenticity of a Cash Order as being that of the Customer ("Security Procedure. The Customer and Bank will maintain reasonable security and control of the Codes. The Bank is not responsible or liable for detecting any error in the transmission or content of any Cash Order or Cancellation and the Security Procedure is not intended to detect any such error. No agreement or instruction of the Customer restricting acceptance of any Cash Order or Cancellation is binding on the Bank, except as set forth in these Service Terms or in a writing signed by the Customer and the Bank. These Security Procedures do not apply to Cash Order requests made by the Customer at one of our branch locations when the Customer is making a "cash for cash" exchange or issuing k to debit the Customer's account at the Bank #40 Page 16 of 48 CASH DEPOSITS Standard Courier Service. The Customer may deliver and pick up shipments of cash or checks to or from the Bank by using the services of a courier that has been authorized by the Bank, who will act solely as the Customer's agent. The courier must comply with the Bank's guidelines, as amended from time to time, and must maintain all licenses and permits required by law in addition to adequate insurance to cover its liabilities in providing courier services. The Bank may refuse to permit any courier to enter its premises with or without cause, in which case the Bank will use reasonable efforts to promptly notify the Customer. With regard to the Customer's couriers, the Customer is responsible for any individual's actions while at the Bank's facilities including theft, property damage, intentional crimes and any other act or omission even if such actions would be considered outside the scope of their employment and whether the individual is impersonating an employee of the courier if the Bank has followed its customary procedures for identifying the individual. 9. Deposit Presentment and Processing for Standard Courier Service. With regard to deposits delivered to one of the Bank's vault areas, the Customer must deliver deposits in sealed tamper -proof plastic security deposit bags that meet the standards described in the Bank's guidelines and contain only cash, coin and checks. The bags may also contain food stamps if the Customer provides proof satisfactory to the Bank of the Customer's authority to redeem food stamps. The Bank will open the bags and process the deposits. a) Delivery to Vault. If the Bank agrees to accept the Customer deposits at a vault location, the Bank will provide a receipt indicating the number of bags it has received. This receipt is not an acknowledgment of the contents of any bag, nor is any telephonic or other acknowledgment of a deposit of which the Customer notifies the Bank by telephone or by electronic means. b) Delivery to Branch for Delayed Processing. If the Bank agrees to accept your deposits at a branch location, the Bank will not verify the amount of the deposits at the time of receipt, but will provide the Customer with a receipt showing the amount indicated the Customer's deposit slip. This receipt is not an acknowledgment of the contents of any bag. 10. Courier Service through the use of a Smart Safe. The Customer may use the services of a courier that has been authorized by the Bank, who will act solely as the Customer's agent. The courier must comply with the Bank's guidelines, as amended from time to time, and must maintain all licenses and permits required by law in addition to adequate insurance to cover its liabilities in providing courier services. The Bank may refuse to permit any courier to enter its premises with or without cause, in which case the Bank will use reasonable efforts to promptly notify the Customer. The Customer will place only Cash in the smart safes which will be maintained by the Customer's courier. The Customer's courier is authorized to transmit the Cash information to the Bank on the Customer's behalf and the Bank, upon receipt of such data transmission, will provide provisional credit to the Customer's designated account. [The courier will deliver the Cash to the Bank as directed by the Bank at the Customer's expense. The Customer authorizes the Bank to instruct the courier to pick up any Cash for which the Bank has given provisional credit at any time at the Customer's expense. 11. Deposit Presentment and Processing Courier Service through the use of a Smart Safe. The Customer agrees that once the Cash is in the smart safe, the Customer no longer has any ownership, control or rights with regard to the physical Cash and that the Bank is authorized to rely upon the transmitted information from the Customer's courier with regard to deposits or adjustments to the Customer's deposit account with the Bank. Once the Customer's courier has completed the verification of the Cash from the smart safe and has transmitted the deposit/adjustment information to the Bank, the Cash is then placed into the Bank's inventory at the courier's location. In the event of a dispute related to the amount credited to the Customer's deposit account, the Customer will initiate its claim and request for an investigation with its courier. 12. Discrepancies. All deposits are subject to verification. If there are differences between the amount credited by the Bank and the amount shown on the deposit slips prepared by the Customer, the receipt provided to the Customer or its agent upon initial presentment or the transmission received from the courier on the Customer's behalf, the count will be re-counted. The Bank's determination and records as to its receipt of any bag and as to the contents of any bag is conclusive and binding on the Customer, and the Bank may correct any credit made to the Customer's account. The Bank will notify the Customer's representative designated in the service implementation questionnaire if the difference is more than any minimum amount specified in the Bank's guidelines. 13. Relationship upon Delivery of Bags. Until the Bank counts or re-counts the contents of the bags and enters a final credit to the Customer's account. The Bank is not responsible any claimed contents of the bags. The Customer should not include anything in a bag other than Cash and its deposit slip, and the Bank shall have no responsibility or liability if there is any other property included or claimed to have been included in a bag. 14. Deliveries to an Unattended Facility. If the Bank agrees to allow the Customer to use one of our unattended facilities (including but not limited to a night depository or commercial ATM) the Bank may provide the Customer with an access device (such as a key or card that may require a Personal Identification Number ("PIN"). The Customer must return all access devices to the Bank upon the Bank's request. The Bank will process any deposits delivered to an unattended facility as provided for in the Bank's guidelines. If the Customer receives a receipt from an unattended facility, the receipt is not an acknowledgment of the contents of any bag or of the receipt of any bags. While the Customer or the Customer's designated courier agent is physically present at one of the Bank's unattended facilities, the Customer is a licensee only and the Bank has no responsibility for the safety of the Customer or its Courier while at such facility. Page 17 of 48 15. Liability at Unattended facility. The Customer assumes all risks of using any unattended facilities, including risks of theft, robbery and personal injury; the Bank is not responsible if a facility fails to operate properly in any way, including failing to open, close, lock or unlock. It is the Customer's responsibility to verify that its bags have dropped down completely into the facility and the Customer agrees that it will not leave any bags in any facility that does not appear to be operating properly. The Bank will not be liable to the Customer if any unattended facility, tele -entry or online system is closed or otherwise unavailable for use at any time. Page 18 of 48 POSITIVE PAY, REVERSE POSITIVE PAY, AND PAYEE VERIFICATION SERVICE TERMS V1.2_10_25_13 JPMorgan Chase Bank, N.A. (the "Bank") will provide Customer with one or more of the check fraud protection services listed below (each a "Service") for checks ("Items") presented to the Bank for payment against the Customer's demand deposit account associated with the Service (the "Account") in accordance with the provisions set forth in these Service Terms. The provisions of the Bank's account documentation, including terms and conditions governing the operation of business accounts and services as well as other service guides or material (the "Account Documentation") are incorporated into these Service Terms by reference. By signing the applicable Account Documentation or by using or continuing to use any of these Services, the Customer agrees to these Service Terms. Positive Pay, Reverse Positive Pay, and Payee Verification services help prevent check fraud on deposit accounts by identifying discrepancies between Items presented to the Bank for payment and those Items issued by Customer. 1. Services. With Positive Pay, the Customer sends check issuance information to the Bank and the Bank compares such information to Items being presented for payment. With Reverse Positive Pay, the Bank sends the Customer information on Items being presented for payment and the Customer does its own comparison. Payee Verification is an enhanced feature for Positive Pay whereby the Customer includes ayee name information and the Bank compares such information against the payee names on Items being presented. As a condition preceden eceiving Payee Verification, the Customer must be receiving Positive Pay in connection with the same Account. 2. Issuance Information. 4 The following information is defined as "Issuance Information" for each Item: i) Account number; ii) Item serial number; iii) doorr amount; iv) issue date, [not as part of Reverse Positive Pay]; and (v) for Payee Verification only, the payee name. For Positive Pay and Payee Verification, the Customer will provide the Bank the Issuance Information by the banking day on which the Customer issues Items by means of a mutually agreed upon transmission method. The Bank will compare the Issuance Information with the Items presented to the Bank for payment against the Account. For Reverse Positive Pay, the Bank will send the Customer the Issuance Information and the Customer will compare such information with the Items they have issued. 3. Discrepancies. For Positive Pay and Payee Verification, if an Item is presented to the Bank for which it has not received timely Issuance Information or that contains information different from the Issuance Information for that Item, the Bank will notify the Customer by means of a mutually agreed upon method, by the designated time of the Banking Day following the Banking Day the Item is presented to the Bank for payment. The Customer shall advise the Bank by means of a mutually agreed upon method by the designated time on that same Banking Day whether any such Item is authorized for payment ("Presentment Decision"). In the event that the Customer fails to timely inform the Bank about any Item for which a Presentment Decision is requested, the Bank is authorized to return such Item unless otherwise agreed by the Customer and the Bank. For Reverse Positive Pay, the Bank will provi<il!�-Issuance Information to the Customer of Items presented for payment; the Customer shall advise the Bank by means of a mutually agreed upon method by the designated time on that same Banking Day whether any such Item is authorized for payment, and in the event that the Customer fails to timely inform the Bank as required, the Bank is authorized to pay such Item(s) unless otherwise agreed by the Customer and the Bank. The Bank is entitled to rely on any instructions which it receives and which it reasonably believes to be genuine. If a Customer attempts to change an instruction previously given by sending an email or other message to the Bank, the Bank may, but has no obli ation to, act upon such change request. 4. Payee Verification dditional Terms. MW For Payee Verification, Cu er acknowledges that Items which have been converted to ACH transactions prior to being presented for payment will not be eligible for this s ice and the payee name information will not be compared to the Issuance Information for Items that have been converted to ACH transactions. If Customer fails to provide the Issuance Information in the file format required by the Bank, the Bank will not be liable for failing to detecting any discrepancy between the Item and the Issuance Information or for processing and payment of such Item. The Bank reserves the right to set a threshold amount for Items (as may be revised by the Bank from time to time) to be reviewed under the Payee Verification service (the "Threshold Amount"). The Items below the Threshold Amount will be handled according to the standard Account Documentation governing the Customer's Account; however, Customer will not be liable for such Items if the discrepancy would have otherwise been detected under this Service. With regard to payee name comparison, the Bank will compare the payee name provided in the Issuance Information to the payee lines contained in the name/address block identified on the Item (presented as provided for in the Bank's set-up requirements) and will otherwise be limited to those parameters specifically agreed to by the Customer and Bank. 5. Voided Items. The Customer agrees to place a lid on an Item in the Issuance Information only with respect to Items that are not in circulation. If the Customer decides to stop an ItW that it has already issued, the Customer is required to place a Stop Payment request pursuant to the relevant terms of the Account , outside of these services. 6. Item Payment. The Bank is not obligated to maintain signature cards for the Account and whether or not the Bank does maintain such signature cards, in no event shall the Bank be obligated to inspect any Item for the presence or authenticity of any signature or to determine whether any signature is authorized. The Customer acknowledges that the Bank's adherence to these procedures in these terms, in lieu of signature examination, will constitute the exercise of good faith and ordinary care by the Bank in handling Items presented for payment against the Account. Page 19 of 48 7. Over the Counter Presentment. The Bank may, without liability to the Customer, refuse to pay any Item presented for encashment at any of the Bank's branch locations. If an Item is presented for encashment at one of the Bank's branch locations at the teller line and the account is under the Positive Pay or Payee Verification Service, the Customer authorizes the Bank to pay such Item based upon the Positive Pay information at the teller line. If an Item is presented for encashment at one of the Bank's branch locations at the teller line and the account is under the Reverse Positive Pay Service, the Customer authorizes the Bank to pay such Item pursuant to the Bank's policies and procedures for encashment. The Bank may charge a person who cashes an Item drawn on the Customer's Account a fee at the time of encashment. Page 20 of 48 CONTROLLED DISBURSEMENTS SERVICE TERMS V1.4_10_25_13 1. Service. JPMorgan Chase Bank, N.A. (the "Bank") will provide you (the "Customer") with controlled disbursement services (the "Service") in accordance with the provisions set forth in these Service Terms. The provisions of the Bank's account documentation, including account terms and conditions governing the operation of business accounts and services and other service terms ("Account Documentation") are incorporated into these Service Terms by reference. By signing the applicable Account Documentation (as may be amended, modified or supplemented from time to time) or by using or continuing to use the Service, the Customer agrees to these Service Terms. 2. Controlled Disbursement Account. Each controlled disbursement account ("Controlled Disbursement Account"), except as set forth herein,hall be opened and maintained in accordance with the Account Documentation. Customer agrees that if it fails to utilize one of the Bank's positive pay sj&ices on the Controlled Disbursement Account, that failure will constitute Customer negligence contributing to the making of any unauthorizenWature and Customer assumes the risk that checks or drafts ("Items") presented against the Controlled Disbursement Account may be forge or altered, to the extent that the positive pay services the Bank offers may have prevented any loss. The Bank will have no liability for any loss related to an Item presented against the Controlled Disbursement Account which would otherwise generally have been returned under such positive pay services. 3. Payment of Items. Bank, on each banking day, will advise Customer of the total amount of Items drawn against the Controlled Disbursement Accounts that are presented for payment, on that day, to the Bank by a Federal Reserve Bank or another depository institution pursuant to a same-day settlement arrangement. Bank will honor Items which are properly payable, but shall have no obligation to pay any Item should sufficient immediately available funds to cover such Items not be transferred to the Controlled Disbursement Account in accordance with these Service Terms and the Account Documentation. 4. Over -the -Counter Presentment. Bank may, without liability to Customer, refuse to pay any Item presented for encashment at any of the Ban branch locations. 5. Funding Account for Controlled Disbursement. OF Customer will maintain with Bank a designated account for purposes of funding the Controlled Disbursement Account, or the funding account may be maintained at an affiliated bank or other financial institution (the "Funding Account"). Customer authorizes Bank to debit the Funding Account for the total amount of the Items presented and any funds transfers against the Controlled Disbursement Account, and to promptly transfer such amount to the Controlled Disbursement Account even though such a debit may bring about or increase an overdraft. All funds transfers from the Funding Account to the Controlled Disbursement Account shall be in immediately available funds. Customer will maintain sufficient available funds in the Funding Account to cover Items and funds transfers presented against the Controlled Disbursement Account, and the Bank shall have no obligation to transfer funds, process Items for payment or complete any funds transfers unless there are sufficient available funds in the Funding Account. The Bank is authorized to debit the Funding Account for any obligations owed directly or indirectly on the Controlled Disbursement Account. The Bank shall not be liable for failure to pay any Item presented for payment against any Controlled Disbursement Account due to insufficient funds in the Funding Account. 6. Media. Bank will transmit to Customer by the t mission method or media agreed to by Customer and Bank information regarding Customer's Controlled Disbursement Account. , 7. Routing Transit Number. Customer agrees to -use the designated controlled disbursement account routing transit number on the Items it issues from the Controlled Disbursement Account. Customer acknowledges that if it fails to use such designated controlled disbursement account routing transit number the Bank is authorized to terminate this Service or any Service feature upon notice to the Customer. 8. Fir�incial Con. In the event of the deterioration of the firTancial condition of the Customer, as determined in the Bank's sole discretion, the Bank may immediately terminate the Service, any Service feature, and/or may convert any Controlled Disbursement Account to a stand-alone demand deposit account without prior notice to the Customer. 9. Third Part%tha*,Il Customer agrees ot permit a third party to write checks on or otherwise issue payment transactions or instructions on Customer's Controlled Disbursement Account. Customer agrees to indemnify and hold Bank harmless from and against any and all actions, claims, demands, losses, liabilities or expenses whatsoever, including attorney's fees and costs, resulting directly or indirectly from Customer's breach of this Section 9. This indemnity shall survive the termination of these Service Terms. Notwithstanding anything to the contrary, Customer acknowledges that, if Customer breaches this Section 9, Bank may immediately terminate this Service or any Service feature upon notice to the Customer. Page 21 of 48 CHECK PRINT SERVICE TERMS V1.8_05_22_14 1. Check Print Services. The Bank will provide the Customer with check print services (the "Check Print Service") in accordance with these Service Terms. The provisions of the Bank's Account Terms governing the Customer's deposit accounts, including any accounts used to fund the purchase of cashier's checks created through the Check Print Service ("Funding Account"), are incorporated into these Service Terms by reference. 2. Print Orders. The Bank will execute each print order requested by the Customer which is received by the Bank in a manner described in these Service Terms or as otherwise provided by the Bank (the "Print Order"). Print Order information shall include payee names and addresses. Customer agrees that it will not include any other personally identifiable information or any protected health information in its Print Orders. Print Orders may include printing of non-payment documents ("Documents") if agreed to by the Bank based upon these Service Terms. 3. Check Pull Requests. For any Print Order received by the Bank, the Customer may request the Bank to pull a check(s) from processing by completing the Bank's manual check pull request form ("Check Pull Request"); provided, however, that a Check Pull Request will not be effective unless and until it is received by the Bank in the form required and the Bank has had a reasonable time to act upon such request. A Print Order may not be amended or modified. The Bank has no obligation to adjust or stop the payment or posting of a Print Order it has accepted. 4. Receipt of Print Orders. The Customer shall transmit Print Orders to Bank to the location and in compliance with the formatting and other requirements of the Bank set forth in its operating procedures. Bank may reject any Print Order that does not comply with these Service Terms. 5. Issuance of Checks/Documents. For each Print Order accepted by the Bank, the Bank will: (a) cause a check to be printed and completed; (b) cause a laser facsimile signature authorized by the Customer to be placed on the check; (c) if agreed upon, cause other documents to be completed and included with the check issuance ("Documents"); and (d) mail or send the check by courier along with any Documents as agreed upon (collectively, the "Issuance"). The Customer expressly grants the Bank the authority to create and process such Issuances. 6. Notice of Rejection. The Bank will promptly notify the Customer if a Print Order is rejected by the Bank and will advise the Customer as to the reason. The notice or advice shall be deemed commercially reasonable if made available through the Check Print Service or given electronically, orally, by telephone or facsimile transmission. 7. Control. The Bank is not responsible or liable for the detection of errors contained in any Print Order as received from the Customer and is entitled to rely on the information contained therein. 8. Reliance Upon Instructions. The Customer is responsible for, and the Bank may rely upon, the contents of any notice or instructions that Bank believes in good faith to be from the Customer without any independent investigation. The Bank shall have no duty to inquire into the authority of the individual giving such notice or instruction. In the event the Bank receives conflicting notices or instructions, the Bank is authorized to act on either the notice or instruction, or it can refuse to act. No restriction on the Bank's acceptance of any Print Order will be binding on the Bank, except as set forth in these Service Terms unless it is agreed to in writing by the Bank and the Bank has had a reasonable opportunity to act upon such change.. 9. Limitation of Liability. The Bank's liability shall be limited to direct damages caused by the Bank's failure to use reasonable care. Reasonable care in providing the Check Print Service shall be measured by the relevant provisions of any service levels or business requirements and the standard of reasonableness of the procedures established for the transaction involved. Mere inadvertence or honest mistake of judgment shall not constitute a failure to perform such obligations or a failure to exercise reasonable care and in no case will be deemed wrongful. 10. Cashier's Checks. If the Bank will be creating cashier's checks under the Check Print Service, the following additional terms will apply: (a) Customer will send the cashier's check print file information ("File Information") to the Bank by the Bank's cut off time on a given day ("Day One"); (b) the Customer authorizes the Bank to debit the Customer's Funding Account for the amounts shown on the File Information on Day One; (c) as the cashier's checks from the File Information are being processed, the account reconciliation issue file ("ARP File") must match the date of funding found in the File Information of the next banking day ("Day Two"); (d) for any cashier's check for which there is insufficient funds in the Funding Account on Day One to fund the purchase of the cashier's check, the Bank is authorized to reject the creation of such cashier's check; (e) fully funded cashier's checks will be printed on Day Two; (f) if the Customer is using one of the Bank's online services, Customer will be able to view information regarding the cashier's checks which were funded and created and those that were rejected; (g) any information from the File Information which can not be used to create a cashier's check will be communicated to the Customer for further research and reconciliation; (h) if any cashier's check is returned as undeliverable, the cashier's check will remain outstanding in the Bank's cashier's check account and escheated according to applicable laws and regulations. If the payee of a cashier's check claims that the cashier's check was lost, stolen or destroyed before the funds are escheated, such claim will be handled in accordance with the Bank's procedures. Page 22 of 48 Check Deposit Return Images Service Terms V 1.2_11_29_10 Service. JPMorgan Chase Bank, N.A. (the "Bank") shall provide you (the "Customer") with the Check Deposit Return Images service (the "Service") which shall enable Customer to access stored check images. Check image data (hereinafter "Check Image Data") may be produced from (a) checks drawn on the Bank by the Customer ("Bank Checks"), or (b) checks drawn on other financial institutions by third parties, deposited at the Bank by the Customer and returned to the Bank ("Returned Deposits"). The Bank will load and store the Check Image Data and provide access thereto in accordance with this Agreement. Instructions for Customer's use of the Service shall be set forth in a User Manual provided by the Bank to Customer and shall be included as part of the Service Material furnished by the Bank to Customer hereunder. All Customer Archives will be logically separate and Customer will have access only to its own Customer Archive. The provisions of the Bank's account documentation, including account terms and conditions governing the operation of business accounts and services ("Account Documentation"), are incorporated into these Service Terms by reference. By signing the applicable Account Documentation or by using or continuing to use the Service, the Customer agrees to these Service Terms. 2. Service Material. The Bank shall provide Customer with technical requirements and specifications for software and hardware for Customer to use in connection with the service (the "Service Material"). Customer shall follow the requirements and procedures set forth in the Service Material, which the Bank may revise from time to time upon notice to Customer. The Bank will provide at least thirty (30) days notice to Customer of any such revisions. The Bank makes no warranties and disclaims any and all liability to Customer with respect to the performance of or capability of any third party software or hardware used by Customer in connection with the Service. 3. Compliance with Laws and Regulations. The Bank represents and warrants to Customer that the Service, when used in accordance with these Service Terms, is in full compliance with all United States laws and regulations relating to banking, data protection and privacy. 4. Security Procedures. Customer agrees to abide by the Security Procedures provided by the Bank to Customer, and if applicable for the iVault and other Services implemented for Customer. 5. Liability Limitations. a) In no event shall the Bank's liability to Customer arising out of or resulting from the Agreement or the Service exceed the total of the prior six (6) months fees paid to the Bank, for the term of this Agreement. The Bank makes no other warranties with respect to the Services supplied hereunder and disclaims any and all warranties with respect thereto, both express and implied, including but not limited to any warranties of merchantability or fitness for a particular purpose. b) To the maximum extent permitted by law, the Bank shall not be liable for any loss, destruction or mutilation of Customer Check Image Data. 6. Storage Period. The Bank agrees to store Customer Check Image Data for a period of seven (7) years or such longer period as the parties may otherwise agree in writing. In the event a Customer requests more long-term storage, the Bank reserves the right to renew this Agreement at the Bank's then current rates. 7. Termination. In the event of termination by either party, the Customer will no longer have access to such Customer Check Image Data. 8. Referrals. JPMorgan has a number of alliance affiliates through our strategic alliance program that refer business to us. When these referrals occur, the affiliate making the referral might receive some financial benefit, such as a referral fee, as a result. Page 23 of 48 Check Returns Image Direct Service Terms v1.0030711 1. Service. JPMorgan Chase Bank, N.A. (the "Bank") which may include designated agents of the Bank, will provide Customer with a service whereby Bank will send Customer its check returns via electronic transmission as further set forth below (the "Service") in accordance with the provisions set forth in this document (the " Service Terms"). The provisions of the Bank's account documentation, including account terms and conditions governing the operation of business accounts and services ("Account Documentation") are incorporated into these Service Terms by reference. By signing the applicable Account Documentation or by using or continuing to use the Service, Customer agrees to these Service Terms. 2. Transmission and Processing. For any check deposited to Customer's account(s) at Bank that is returned to the Bank unpaid, Customer authorizes the Bank to transmit the return check image and data in the ANSI industry standard format to the Customer (the "Transmission") without sending the return check in paper form. 3. Intellectual Property Ownership. Neither these Service Terms nor the provision of the Service transfer to Customer any ownership or proprietary rights in the Bank's technology or any work or any part thereof, and all right, title and interest in and to the Bank's technology will remain solely with Bank or its subcontractors. 4. WARRANTIES AND DISCLAIMERS. 4.1 CUSTOMER WARRANTS AND REPRESENTS TO THE BANK THAT CUSTOMER WILL EMPLOY COMMERCIALLY REASONABLE SECURITY MEASURES AND FIREWALLS SUFFICIENT TO PROTECT THE TRANSMISSIONS AND STORAGE TO ENSURE NO UNAUTHORIZED ACCESS OR INAPPROPRIATE USE OF THE RETURN CHECK IMAGE. 4.2 DISCLAIMER. BANK AND ITS SUBCONTRACTORS MAKE NO REPRESENTATIONS OR WARRANTIES, WHETHER EXPRESS, IMPLIED OR STATUTORY REGARDING OR RELATING TO ANY OF THE TECHNOLOGY OR SERVICE AND/OR ACCESS TO OR USE OF THE SERVICE OR TECHNOLOGY PROVIDED TO CUSTOMER HEREUNDER. BANK AND ITS SUBCONTRACTORS SPECIFICALLY DISCLAIM ANY AND ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. BANK AND ITS SUBCONTRACTORS ALSO DO NOT GUARANTEE THAT CUSTOMER'S ACCESS TO THE SERVICE PROVIDED UNDER THESE SERVICE TERMS WILL BE UNINTERRUPTED, ERROR FREE OR SECURE. Page 24 of 48 IMAGE DEPOSIT DIRECT SERVICE TERMS V2.4072114 Service Terms. JPMorgan Chase Bank, N.A. ("Bank") will provide Customer the Image Deposit Direct (IDD) Service (the "Service") in accordance with the provisions set forth in these Image Deposit Direct Service Terms (the "Service Terms"). The provisions of the Bank's account documentation, including the account terms governing the operation of business accounts and services and any applicable Service Terms as may be amended from time to time (collectively, the "Account Documentation") are incorporated herein. By signing the applicable Account Documentation or by using or continuing to use the Service, Customer agrees to these Service Terms. If and to the extent there is a conflict between the Account Documentation and these Service Terms, the provisions of these Service Terms w' 1 prevail. Capitalized terms used in these Service Terms and not defined herein have the meanings set forth in the Account Documentation. low The Service. The Service allows Customer to electronically transmit deposits of eligible checks and items (eligible checks and items are limited to personal checks, money orders, business checks, cashiers checks, traveler's checks payable in U.S. Dollars Ak drawn on U.S. banks or US Postal Service Money Orders, payable to the Customer, by using a capture device, including a desktop er or mobile device (hereinafter referred to as a"Scanner ), to create an electronic image of an original paper checl�or item and o r source documents (collectively, "Item") and transmitting the image of the Item ("Image") and related data to Bank. As part of th ®rvricpe Customer must use software and hardware provided by or acceptable to Bank. Customer is solely responsible for the Image and any in ormation or data transmitted, supplied or key -entered by Customer employees or its agent. Before any Image of an Item is transmitted to the Bank, the Item shall be endorsed with the legend "For Deposit Only" and the Customer's name or account number unless otherwise provided for by the Bank*placeolicies a. Customer agrees that after the Image of the Item has been created and tran miffed to the Bank for deposall not otherwise transfer or negotiate the original Item, substitute check or any other image of the Item. Customer furtherstomer shall be solely responsible for the original Items, including storage, retrieval and destruction. Customer must have iand procedures for the secure storage and destruction of the original Items. b. Customer agrees that a copy made from the Image or substitute check of the Item, as defined by federal law, will become the legal representation of the Item for all purposes, including return item processing. c. If Bank receives the submitted deposit transmission no later than the Bank's designated cut off time (the "Cutoff Time") on a day that the Bank is generally open for business, i.e., Monday through Friday excluding weekends and state or federal holidays ("Business Day"), Bank will consider that Business Day to be the day of deposit. If Bank receives the submitted deposit transmission after the Cutoff Time or on a non -Business Day, the deposit will be considered to be made on the next Business Day. Whether the Cutoff Time has been met will be determined by the time displayed on the Bank's internal system clocks which may not necessarily be synchronized with the internal clock displayed on Customer's computer or device. For this reason, Bank suggests that Customer submit its deposit transmissions to Bank sufficiently in advance of the Cutoff to avoid the possibility of missing the Cutoff Time. d. The term of the Service is two (2) years. After the expiration of the initial two year term, the Service shall continue on a month to month basis. e. Customer is respon§jobLor making certain that only Images of eligible Items are sent to Bank through this Service. Any Image of an Item sent through this St eligible as set forth in Section 2 above will be handled at Customer's sole risk and liability. f. Subpart B of Federal 11!'ujjjjj'onno gati CC (availability of funds) does not apply when electronic images of Items are transmitted to Bank. Funds from deposits made via this Service will be available in accordance with the availability schedule for the Service. However, Bank may apply additional delays on the availability of funds based on any other factors as determined in the Bank's sole discretion. g. Customer agrees that Scanners used as a part of this Service are only to be used at locations within the United States. 3. Item Processing. If the submitted deposit transmission with respect to any Item does not comply with the Bank's or its processor's requirements for item type submitted, content, batch size and/or format, Customer shall be responsible for any loss related to the processing of such Item, including if the Bank, in its sole discretion: a. further transmits the Item or data in the form received from Customer; b. repairs or a is t repair the Item or data and then further transmits it; c. processes the Item as a photocopy in lieu of the original; or d. returns the Item or data to Customer unprocessed and charges back Customer's account. 4. Warranties. Customer represents and warrants to Bank that: a. any Image Bank receives accurately and legibly represents all of the information on the front and back of the original Item as of the time the original Item is truncated; Page 25 of 48 b. the information Customer transmits to Bank corresponding to an Item contains a record of all applicable MICR -line information required for a substitute check and the accurate amount of the Item; c. the Image conforms to the technical standards for an Electronic Item set forth in Regulation J and Federal Reserve Bank operating circulars and for a substitute check set forth in Regulation CC; d. no person will receive a transfer, presentment, or return of, or otherwise be charged for, the Item (either the original Item, or a paper or electronic representation of the original Item) such that the person will be asked to make payment based on an Item it has already paid; e. Customer will not redeposit through this Service any Item previously deposited and returned to Customer unless Bank advises Customer otherwise; f. Customer will employ commercially reasonable security measures and firewalls sufficient to protect transmissions and storage to ensure no unauthorized access or duplicate presentment; g. Customer will only transmit Images created from original paper Items; and h. Customer will comply with all laws and regulations applicable to Customer in its use of the Service and not use the Service for any purpose prohibited by foreign exchange regulations, postal regulations or any other treaty, statute, regulation or authority. 5. Computer Equipment; Browser Access and Internet Services. Customer is responsible for obtaining, installing, maintaining and operating all browsers, software, hardware, telecommunications equipment or other equipment (collectively, "System") necessary for Customer to access and use the Service in accordance with the Bank's recommended system configuration.. This responsibility includes, without limitation, Customer's utilizing up-to-date web -browsers and the best commercially available encryption, antivirus, anti-spyware, and internet security software. Customer acknowledges that there are certain security, corruption, transmission error, and access availability risks associated with using open networks such as the Internet and Customer hereby expressly assumes such risks, including, but not limited to those Bank may disclose in its educational materials. Customer acknowledges that Customer is responsible for the data security of the Systems used to access the Service, and for the transmission and receipt of information using such Systems. Customer acknowledges that it has made an independent assessment of the adequacy of the Internet and Systems in connection with the use of the Service and that Customer is satisfied with that assessment. Customer agrees that the presence of any malware, including, without limitation, any keystroke logger type of malware, on any of Customer's computers shall be presumed, unless proven otherwise by clear and convincing evidence by Customer, to constitute the failure by Customer to fulfill its duty at all times to maintain the proper functioning, maintenance and security of its own systems, services, software and other equipment, and to be the cause of any damage, loss, expense or liability which may be suffered or incurred by Customer. Customer further acknowledges that the selection and use by it of any third party security and communications software and third party service providers is the sole responsibility of the Customer and the Customer is responsible for all fees associated therewith. Bank disclaims all risks related thereto and makes no endorsement thereof, notwithstanding that the Bank may recommend certain security and/or communications software and services or provide a link to a third party site where Customer may download software. 6. Security Devices. In order to communicate electronically with Bank whether via the Internet, or otherwise, to access information or effect transactions in connection with the Service, Customer shall utilize identification codes, passwords, authorization, authentication and/or encryption algorithms, tangible or intangible security tokens, cookies, digital signatures and private or public keys (individually a "Security Device" and collectively the "Security Devices") to be issued or approved by Bank from time to time. To prevent unauthorized access to Customer's accounts and to prevent unauthorized use of the Service, Customer agrees to protect and keep confidential the Security Devices used for accessing Customer's accounts via the Service. If Customer believes someone may attempt to use or has used the Service without Customer's permission, or that any other unauthorized use or security breach has occurred, Customer agrees to immediately notify Customer's relationship officer. 7. Product Rights. a. Grant of License. To the extent Bank or its licensors make any software available to Customer via download on its website or by any other means for use in conjunction with the Service, Bank hereby grants, and Customer hereby accepts, for the term of these Service Terms, a non-exclusive, non -assignable, non -transferable, limited right and license to use the proprietary computer software products in object code and any associated documentation ("Products") for use only directly in conjunction with its permitted use of the Service. b. Title. Except for the license granted to Customer hereunder, all rights and title in and to the Products, including any improvements, modifications, and derivative works, will at all times remain with Bank or its licensors, and Customer shall acquire no rights in the Products. C. Use of Products. i) Customer agrees that the Products will be used only by Customer and Customer's Affiliates, provided that each Affiliate agrees to be bound by the terms hereof and further that Customer will be liable for Customer's Affiliates' acts and omissions in connection with the Products. For purposes of this Agreement, "Affiliates" means those entities that control, are controlled by or are under common control with Customer. For purposes of this definition, "control" (including with correlative meaning, controlled by, and under common control with) means the possession, directly or indirectly, of greater than a 50% ownership interest in an entity. Page 26 of 48 ii) Except as otherwise expressly provided herein, Customer will not copy, modify, or create derivative works of the Products or display, assign, sublicense, distribute, or otherwise transfer any interest in this Agreement or the Products to any third party. iii) Customer will not, and will not permit others to, reverse engineer, reverse -compile, or reverse -assemble the Products or otherwise attempt to obtain source code for the Products. iv) Customer shall use the Products solely for Customer's internal business purposes. For purposes of this clause, the expression "internal business purposes" will in no circumstance include time sharing, rental, or service bureau purposes, or the sale, marketing or (except as otherwise expressly provided herein) commercial exploitation of the Products. v) Customer will notify Bank in writing regarding any unauthorized use or disclosure of the Products immediately after it becomes known to Customer. vi) Customer acknowledges that the Products constitute trade secrets and represent significant economic and commercial value to Bank and/or its licensors and must be maintained as secret, confidential and proprietary. Customer agrees that copyright legends borne by the Products in no way reduce the trade secret, proprietary and/or confidential nature thereof. Customer will take all reasonable steps to safeguard the Products to ensure that no unauthorized disclosure or use is made, in whole or in part, and will use at least the same degree of care to prevent the unauthorized use, disclosure or availability of the Products as Customer ordinarily use in protecting Customer's own most valuable confidential and proprietary information. Customer will not remove or alter any copyright or other proprietary legends contained on the Products. vii) Customer obligations under this Section survive termination of these Service Terms. d. Installation, Training and Maintenance. Customer will be solely responsible for the installation, training, maintenance and use of the Products. It is Customer's (and expressly not Bank's) responsibility to establish reasonable backups, accuracy checks and security precautions to guard against possible malfunctions, loss of data and unauthorized access. e. Patent Infringement. In the event the Products become, or in Bank's opinion are reasonably likely to become, the subject of a claim of infringement, Customer will allow Bank, at its option and expense, to replace the Products with a non -infringing alternative, modify the Products so that they become non -infringing or terminate the license. f. Risk of Loss. Customer will bear the entire risk of loss, destruction and damage to the Products from any cause whatsoever, and no such loss, destruction or damage shall impair any of Customer obligations hereunder which shall continue in full force and effect. 8. New Features. Bank may, from time to time, introduce new features to the Service or modify or delete existing features in its sole discretion. Bank shall notify Customer of any of these changes to features if Bank is legally required to do so. By using any new or modified features when they become available, Customer agrees to be bound by the rules concerning these features. 9. Audit Rights. Customer agrees that Bank has the right to audit Customer's processes and procedures for managing and maintaining the security and safety of the scanner, the transmission of the images and the original Items as defined below and that Bank has the right to audit Customer's physical locations where the scanners are used and original items are stored as well as Customer's processes for secure destruction of the original Items. 10. Indemnification. In addition to the indemnities contained in the Account Documentation, Customer agrees to defend, indemnify and hold Bank, its officers, affiliates, employees and agents harmless from any actions, claims, losses, demands, liabilities, litigation or damages (including reasonable attorneys' fees) arising from or in connection with: a. Customer's breach of any of the warranties made by Customer pursuant to these Service Terms, b. Customer's use of the Service or the use of the Service by anyone using Customer's Security Device in breach of its obligations to any third party or applicable law, or c. Customer's violation of these Service Terms or the rights of any third party (including, but not limited to, privacy rights). 11. Disclaimer. THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE". TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, ALL WARRANTIES AND REPRESENTATIONS, EXPRESS, STATUTORY OR IMPLIED, WITH REGARD TO THE SERVICES ARE HEREBY DISCLAIMED, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE AND COURSE OF DEALING OR USAGE OF TRADE OR WARRANTIES OF NON -INFRINGEMENT OR WARRANTIES AS TO ANY RESULTS TO BE OBTAINED FROM THE USE OF THE SERVICES. TO THE EXTENT THAT ANY IMPLIED WARRANTIES CANNOT BE DISCLAIMED UNDER APPLICABLE LAW, ANY SUCH IMPLIED WARRANTIES ARE LIMITED IN DURATION TO 30 DAYS FROM THE INITIAL DELIVERY DATE OF THE RELEVANT SERVICES THE BANK AND ANY THIRD PARTY VENDOR DO NOT WARRANT OR GUARANTY THE SECURITY, SEQUENCE, TIMELINESS, ACCURACY OR COMPLETENESS OF THE DATA OR THAT ANY PART OF THE SERVICES WILL BE ERROR -FREE OR UNINTERRUPTED. Page 27 of 48 12. Limitation of Liability. a. In no event will Bank's liability under these Service Terms for any damages of any kind exceed an amount equal to the fees the Customer paid Bank for the Service during the twelve (12) months preceding the date on which Customer made the corresponding claim. If Customer makes a claim during the first twelve (12) months of service, Bank's liability will be limited to the average monthly fee Customer paid during that time multiplied by twelve. b. EXCEPT AS SPECIFICALLY SET FORTH HEREIN OR WHERE THE LAW REQUIRES A DIFFERENT STANDARD, BANK SHALL NOT BE RESPONSIBLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, ARISING FROM OR RELATED TO THE SYSTEM, EQUIPMENT, BROWSER AND/OR THE INSTALLATION OR MAINTENENACE THEREOF, ACCESS TO OR USE OF THE ONLINE SERVICE, FAILURE OF ELECTRONIC OR MECHANICAL EQUIPMENT, THE INTERNET, THE SYSTEM, OR COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECT PROBLEMS, BUGS, ERRORS, CONFIGURATION PROBLEMS OR INCOMPATIBILITY OF COMPUTER HARDWARE, SOFTWARE, THE INTERNET, OR THE SYSTEM, FAILURE OR UNAVAILABILITY OF INTERNET ACCESS, PROBLEMS WITH INTERNET SERVICE PROVIDERS, PROBLEMS OR DELAYS WITH INTERMEDIATE COMPUTER OR COMMUNICATIONS NETWORKS OR FACILITIES, PROBLEMS WITH DATA TRANSMISSION FACILITIES OR ANY OTHER PROBLEMS CUSTOMER EXPERIENCES DUE TO CAUSES BEYOND BANK'S DIRECT, EXCLUSIVE AND REASONABLE CONTROL, AND CUSTOMER IN ORDER TO HOLD BANK LIABLE SHALL HAVE THE BURDEN OF PROOF TO ESTABLISH BY CLEAR AND CONVINCING EVIDENCE THAT ANY DAMAGE SUFFERED OR INCURRED BY CUSTOMER WAS FROM A CAUSE THAT WAS WITHIN BANK'S DIRECT. EXCLUSIVE AND REASONABLE CONTROL. 13. Miscellaneous. a. If Customer cancels the Service before the expiration of two (2) years, Customer shall pay an early cancellation fee of $500.00 for each scanner not paid for in full at the time the Service is implemented. b. In addition to other termination rights set forth in the Account Documentation, Bank may terminate the Service immediately if Customer breaches any warranty set forth in these Service Terms. C. If the Service is cancelled or terminated for any reason, Customer shall uninstall any software or hardware from its computer systems which was provided to Customer as part of the Service or assume the risk of any loss that could have been prevented by Customer's compliance with this provision. d. The provisions of sections 2, 4, 7, 10, 11 and 12 shall survive termination of these Service Terms. Page 28 of 48 US CASH CONCENTRATION SERVICE TERMS (SINGLE ENTITY) V2.5_11_26_13 Customer: TEST CUSTOMER Effective Date: 1. Service. JPMorgan Chase Bank, N.A. (the "Bank") will provide the customer identified above (the "Customer") with its U.S. Cash Concentration Service (the "Service") by which the Bank will automatically transfer funds in the amounts and in accordance with instructions and selections set forth in the schedule attached hereto ("Schedule A") to and/or from the Customer's U.S. dollar demand deposit accounts maintained at the Bank and listed on Schedule A ("Customer Accounts"). The provisions of the Bank's account documentation, including terms and conditions governing the operation of accounts and services ("Account Documentation"), are incorporated into these Service Terms by reference. The Customer must sign these Service Terms and the Schedule A in order to participate in this Service. 2. Balances. The Customer shall maintain sufficient balances in the Customer Accounts to cover any amounts scheduled to be transferred. The Bank may refuse or reverse any transfer if there are insufficient balances to effect such transfer without creating an overdraft. If the Bank effects a transfer that causes or increases an overdraft to a Customer Account, such overdraft shall be immediately due and payable by the Customer, without further notice or demand, together with interest thereon for the period of the overdraft. 3. Representations. The Customer represents and warrants that: (i) each Customer Account is not restricted in any way, and is owned and held outright by the Customer, and (ii) it has taken all action required to make these Service Terms a legal, valid and binding obligation of the Customer, and enforceable against the Customer. 4. Authorized Changes. The Customer and the Bank may agree on additions, deletions or changes to the Service via both parties executing an additional or superseding Schedule A, the execution of which shall extend the representations, acknowledgments and terms of this Service Terms to such modifications. 5. Intercompany Reports. If the Customer selects, as a feature of the Service, the Intercompany Reporting Service feature (the "InterCo Feature"), that selection and affected Customer Accounts shall be specified on Schedule A for the Service. Under the InterCo Feature, the Bank will provide the Customer with reports, for the Customer Accounts, detailing: (i) a tracking of accumulated inter -account balance transfers; and (ii) a calculation of intracompany earnings and borrowing charges. In addition, the Bank, through the InterCo Feature, will provide the Customer with automated posting, to the affected Customer Accounts, of applicable intracompany earnings and borrowing charges. 6. Required FDIC Disclosures. In the event of a failure of the Bank, funds transferred as part of a Service will be considered deposits of the account in which the funds are held, as reflected on the Bank's end -of -day ledger balance, by the Federal Deposit Insurance Corporation after completion of all transactions related to the Service and will be insured by the Federal Deposit Insurance Corporation under its applicable insurance rules and limits. 7. Term; Termination. These Service Terms are effective as of the date first set forth above, and shall remain in effect unless and until terminated. These Service Terms may be terminated by the Customer by sending written notice to the Bank. Any notice of termination sent to the Bank shall only be effective when actually received by the Bank and after the Bank has had a reasonable time to act on such notice. These Service Terms may be terminated by the Bank, with respect to the Customer, effective immediately upon the sending of written notice to the Customer. Notices. All notices to the Bank, pertaining to the Service, shall be sent to: JPMorgan Chase Bank, N.A. c/o JPMorgan Treasury Technologies Corporation — Liquidity Management Operations, 10420 Highland Manor Drive — 2nd Floor, Tampa, FL 33610. All notices to the Customer shall be sent to the Customer's last known address on the Bank's books and records. 9. Governing Law. These Service Terms shall be governed by and construed in accordance with the laws of the State of New York, without reference to the conflicts of law provisions thereof. TEST CUSTOMER JPMorgan Chase Bank, N.A Customer By: Signature Print Name: Title: By: Signature Print Name: Title: Page 29 of 48 SCHEDULE A I CASH CONCENTRATION IMPLEMENTATION FORM — CONCENTRATION OPTIONS UNITED STATES CASH CONCENTRATION SERVICES V2.3_09_24_12 Effective Date: List the account(s) participating in the cash concentration structure, specify the direction of transfer, and include the account name and # of the master account. Additional instructions are included on the following page. Master Customer Master Customer Account 3 Is the Master Customer Account Owner and Customer Account Number2 Account Name Account Owner same as theYES ElTax I. D. (if Customer Account Owner Legal Name: Agent on this set up? applicable): Customer Account Tax I.D3 O El— Customer Account Location° Master Customer **Name and Tax I.D. of Master Customer Account Location Legal Entity as Agent if Account Number' Transfer Type different than the Master Customer AccountiIiiiii1swer CUSTOMER ACCOUNT INFORMATION AND TRANSFER OPTIONS Account 1 Account 2 Account 3 Account 4 Account 5* Customer Account Number2 Customer Account Owner Legal Name: Customer Account Tax I.D3 Customer Account Location° ZBA Setups Transfer Type Target Balance? Balance Type$ Transfer Options Frequency9 Transfer Time10 Return of Funds" Overdraft Allowed 12 Back Value Option 13 Comments/ Other 14 InterCompany Reporting Service15 ase Rate W/ -Spread 16 Intercom Cre it Base Rate Index+ /- S read15 Reportin Options Starting Balance" _Pebit Post Optio'8 6111111111 Credit Post ortuff Comments/ OW9 Remarks: 1. Master Customer Account: The master customer account, otherwise known as concentration account, funding account, header account, or parent account, provides funds to customer accounts or receives excess funds from customer accounts to achieve the target balance in the customer accounts. 2. Customer Account: Accounts that are included in the cash concentration structure, and are also known as sub accounts, child accounts or participating accounts. 3. Customer Account Tax ID: Indicate account's tax ID or applicable US Tax Identification (enter n/a for entities with no existing tax identification); if entity can be classified as a Disregarded Entity, please mark DE next to tax ID (i.e. 123456789DE) Page 30 of 48 4. Customer Account Location: State or Branch location of the referenced account. For Cross Border concentration, master account should be the foreign branch location. 5. ZBA Setup: Indicate YES or NO for standard setup; if "yes" is indicated, then no other fields are required to be completed. ZBA setups have all of the following transfer options: • Transfer Type: ZBA 0 Transfer Time: End of day transfers • Target balance = 0.00 0 Return of funds Option: No • Balance Type: Ledger balance 0 Overdraft Allowed: Yes • Frequency: Daily transfer execution 0 Back value option: Yes If any options differ from the above, indicate NO and complete the remaining fields. 6. Transfer Type: • ZBA (Zero Balance Accounts) — Standard Two-way transfer, always establishes zero or target balance in customer account. • UP (One Way Up) — Transfers balances in excess of the target balance from the customer account to the master account. • DOWN (One Way Down) — Transfers balances from the master to the customer account to achieve the customer account's target balance. • FIX (Fixed Transfer) - Transfers a fixed amount from the customer account to the master account. • PER (Percentage Transfer) — Transfers a percentage of the balance between the customer and master account**. 7. Target Balance: Indicate either zero or positive number (in whole numbers only, no cents) 8. Balance Type: Indicate whether transfer is for collected balance = C or ledger balance = L. 9. Frequency: Indicate transfer frequency (D: Daily (Default); W: Weekly and indicate 1 to 5 to represent Mon to Fri, e.g. W3 for every Wed; B: Biweekly and indicate 1 to 5 for Day of the week: M: Monthly and indicate date, e.g. M30 for 30`h of the month; A: Actual — indicate details separately in comments). 10. Transfer Time: Default is EOD for end of day, indicate intraday time frame for applicable intraday time - all EST (7:00 am, 9:00 am, 10:30 am, 12:30pm, 2:00 pm, 3:30 pm, 5:00 pm, 8:00 pm or LATE for Late Intraday) in the format (i.e. 0900 = 9:00 am) 11. Return of Funds: Indicate return of funds setting by inputting YES (blank = no). If setting is return of funds to an alternate account, indicate the account number 12. Overdraft Allowed: Allow master account to overdraw when necessary, to fund customer account, enter A. Do not allow overdraft (enter N) should be indicated to prevent overdrawing the master account (transfer will not take place). 13. Back Value Option: Allows the master account to synchronize with prior period balance adjustments posted on a customer account; indicate YES or NO (default setting is yes). 14. Commentary/ Other: Indicate any additional special instructions that have been previously discussed that are applicable to the transfer. Such customized instructions as min/max transfers, incremental transfers and three account instructions can be indicated in this area. 15. Intercompany Reporting Service: Indicates whether customer account participates in intercompany reporting service (Y/N) 16. Debit/ Credit Base Rate Index & Spread: Indicate Debit and Credit Index Basis Rate and Spread by Basis Points (i.e. 30 Day LIBOR+20bps). Index rates can differ by credit and debit rates and by account; indicate none if no index rate is required. Some common basis index rates for cash concentration include the following: • 30 Day BBA LIBOR 0 Average Fed Funds 0 Overnight BBA LIBID • 91 Day T -Bill 0 Highest Fed Funds 0 Overnight BBA LIBOR • Eurodollar 0 Lowest Fed Funds 0 Prime Rate Target Fed Funds Contact your JPMorgan representative for details on additional rate options. 17. Starting Balance: Indicate starting account balance for tracking purposes (most commonly indicated as zero). 18. Debit/Credit Post Option: Indicate whether interest should be posted (POST) or only displayed (DISP) on the monthly statement. If another account should be debited or credited interest other than the customer account, indicate in Commentary Field 19. Commentary/ Other: Indicate any additional instructions applicable to the intercompany reporting service as necessary. *Additional accounts may require adding additional pages. **Requires additional discussion and possible visual representation of the proposed solution Please attach a diagram to confirm complex structures (multiple account tiers and/or instruction types across multiple accounts). This Schedule A supersedes any previous Schedule A with respect to the information, accounts and selections. By signing below the Customer continues to agree to the Cash Concentration Service Terms and confirms such information, accounts and selections set forth in this Schedule A for this Service. Page 31 of 48 Signature Instructions: When instituting a new Cash Concentration structure (adding or deleting accounts), a new Customer signed Schedule A is required. JPMorgan Chase Bank, N.A. Customer By: By: Signature Signature Print Name: Title: Print Name: Title: Page 32 of 48 TREASURY SERVICES END OF DAY INVESTMENT & LOAN SWEEP SERVICE TERMS V3.3_08_29_14 Customer: TEST CUSTOMER Effective Date: 1. Service. JPMorgan Chase Bank, N.A. (the "Bank") will provide the customer identified above (the "Customer") with the Customer selected automatic investment and loan sweep service, (each a "Service") by which the Bank: (i) will arrange, if the Customer selects an investment sweep, for the automatic investment of Customer funds; (ii) will arrange for the return of the invested funds together with any interest thereon to be credited to the Customer account; and (iii); will arrange, if the Customer has a credit facility in place, for automatic borrowings and payments under the credit facility by means of transfers to or from the Customer account; all as more fully described below. The provisions of the Bank's account documentation, including account terms and conditions governing the operation of accounts and services ("Account Documentation"), are incorporated into these Service Terms by reference. The Customer must sign these Service Terms and Schedule A in order to participate in the Service, and by doing so agrees to the provisions of these Service Terms and authorizes the transactions described herein. 2. Accounts; Investments; Facilities. (a) The Customer hereby authorizes the Bank to establish and/or maintain in the Customer's name, the following accounts: (i) the demand deposit account (the "DDA") identified on Schedule A, attached hereto; and (ii) the investment sub -account in the Bank's sub -account system (the "Sub -Account") identified on Schedule A. (b) The Bank, if the Customer has selected an investment arrangement, will maintain one of the following overnight, interest-bearing, investment vehicles (each an "Investment Vehicle"), for the Customer investment, as selected by the Customer, and specified on Schedule A: (i) a U.S. dollar deposit on the books of the Bank's London Branch ("London Investment Vehicle"); (ii) a U.S. dollar deposit on the books of the Bank's International Banking Facility ("IBF Investment Vehicle"); (iii) a U.S. dollar investment arrangement to facilitate the purchase and sale of depository funds, also known as "Fed Funds" ("Fed Funds Investment Vehicle"); (iv) a U.S. dollar denominated investment under a repurchase agreement ("Repo Investment Vehicle"); and (v) a combination London Investment Vehicle and Repo Investment Vehicle ("London/Repo Investment Vehicle"); (c) The Bank, if the Customer has selected a loan borrowing and payment arrangement, and has a credit facility (the "Credit Facility") in place, will maintain one of the following loan borrowing and payment options ("Loan Sweeps") for the Customer, as selected by the Customer, and specified on Schedule A: (i) an automated arrangement for borrowings and payments under the Credit Facility ("Loan Borrowing and Payment Option"); (ii) an automated arrangement for payments under the Credit Facility ("Loan Payment Option"); (iii) an automated arrangement for borrowing under the Credit Facility ("Loan Borrowing Option"); (iv) an automated arrangement for a Loan Borrowing and Payment Option and an Investment Vehicle ("Loan and Investment Option"); and (v) an automated arrangement for borrowings and payments under a Fed Funds Credit Facility ("Fed Funds Borrowing Option"). 3. Sweep Operation; Investments. (a) Schedule A establishes parameters for the sweep of funds under the Service ("Sweep Parameters"), by setting forth the following Customer - specific information: (i) a "Target Balance"; (ii) a "Minimum Investment"; (iii) a "Sweep Increment"; and (iv) an "Investment Cap". Sweep Parameters are subject to review and modification by the Bank, upon notice to the Customer. (b) The Bank, at the end of each banking business day (a "Business Day"), will automatically debit the DDA and transfer to the Investment Vehicle an amount equal to the Minimum Investment and any Sweep Increments, above the Target Balance, maintained in available balances in the DDA, (the "Investment"). The Bank will not transfer to the Investment Vehicle any amounts in excess of the Investment Cap. The Bank, on the succeeding Business Day, will arrange for the return of the Investment and credit the DDA for that returned amount at the opening of business. (c) Schedule A sets forth agreed upon Customer -specific Investment ranges ("Tiers") for the purpose of determining interest rates to be applied to the invested funds of the Customer. If Tiers are not available for a specific Investment Vehicle, as noted in Schedule A, or if Tiers have not been established for the Customer, such non -tiered ("Non -Tiered") invested funds will earn interest in accordance with the Non -Tiered earnings rate information provided by the Bank to the Customer from time to time. If Tiers are agreed upon for the Investement Vehicle, either designated as "Full Balance Tier" (one daily interest rate applied to the entire balance of invested funds based on the corresponding Tier) or "Step Tier" (multiple daily interest rates applied to each Tier of invested funds) and set forth in Schedule A, the invested funds will Page 33 of 48 earn interest in accordance with the Full Balance Tier or Step Tier earning rate information provided by the Bank to the Customer from time to time. 4. Acknowledgments. (a) The Customer acknowledges that, notwithstanding anything to the contrary herein, in order to control or mitigate operational, reputational, credit, legal or regulatory risk, which, in the Bank's sole opinion, inhibits the operation of the Service, the Bank may suspend the Service until the Bank's concerns are resolved to its satisfaction. (b) THE CUSTOMER ACKNOWLEDGES THAT IT WAS NOT OFFERED ANY ADVICE OR RECOMMENDATION BY THE BANK WITH REGARD TO ANY INVESTMENT OPTION SELECTED HEREUNDER AND THE CUSTOMER FURTHER ACKNOWLEDGES THAT IT HAS MADE AN INDEPENDENT ASSESSMENT OF THE SUITABILITY OF THE INVESTMENT FOR ITS OWN PURPOSES AND UNDERSTANDS THAT IT IS ADVISED TO CONSULT ITS OWN FINANCIAL, LEGAL AND OTHER ADVISORS THEREFOR. 5. Investment Statement. The Bank, on a periodic basis, in addition to an account statement related to the DDA, will provide to the Customer a statement ("Investment Statement") detailing the Investment, the sweep transactions, and earnings or charges . Taxes. The Bank makes no representations as to the interpretation or characterization of the transactions herein undertaken for tax or any other purpose, in any jurisdiction. The Customer must satisfy itself as to any tax impact of the Service before agreeing to the terms herein. The Customer is responsible for any income, withholding or other taxes imposed by any jurisdiction and will indemnify and otherwise hold the Bank harmless for: (i) any such taxes including any withholding tax imposed by any jurisdiction on overdraft interest charged to any demand deposit account, and any interest, penalties or additions to tax for failure to properly remit such tax; and (ii) the Bank's payment of any taxes, interest, penalties and/or additions to tax otherwise due from, or paid on behalf of, the Customer. The Customer is responsible for effecting the actual payment to appropriate taxing authorities of any withholding tax due on overdraft charges. The Customer will provide the Bank copies, or where required, originals, of such proofs of residence, ownership of assets, taxpayer status, or other documentation, declarations, certifications or information (collectively, "Information") as the Bank may require, and represents and warrants that such Information, as of the date of its provision to the Bank, will be and, except as may be otherwise notified in writing by the Customer to the Bank from time to time, will remain, true and correct in every respect, not misleading or inaccurate in any way, and contains all material information. Any and all overdraft charges will be free and clear of, and without any deduction or withholding for, any applicable withholding tax. The overdraft charge legally due to the Bank shall be equal to the quotient calculated by dividing (i) the stated overdraft charge provided to the Customer by the Bank by (ii) 1 minus the applicable withholding tax rate. 7. Service Fees. The Customer shall compensate the Bank for the Service, in accordance with the Bank's fee schedules from time to time in effect. 8. Notices. All notices to the Bank shall be sent to: JPMorgan Chase Bank, N. A., c/o JPMorgan Treasury Technologies Corporation, TLIP Operations, 10420 Highland Manor Drive — 2nd Floor, Tampa, FL 33610. All notices to the Customer shall be sent to the Customer's last known address on the Bank's books and records. 9. Term; Termination. These Service Terms shall be in effect as of the date first written above and shall remain in effect unless and until terminated. These Service Terms may be terminated by the Customer by sending written notice to the Bank. Any notice of termination sent to the Bank shall only be effective when actually received by the Bank and after the Bank shall have a reasonable time to act on such notice. These Service Terms may be terminated by the Bank, effective immediately, upon the sending of written notice to the Customer. 10. Governing Law. These Service Terms shall be governed by and construed in accordance with the laws of the State of New York, U.S.A., without reference to the conflicts of law provisions thereof. 11. London Investment Vehicle. If the Customer has selected the London Investment Vehicle as an investment, the provisions of Section 11 shall apply in addition to the provisions of Sections 1 through 10. (a) The Bank, with respect to the London Investment Vehicle, will maintain an interest-bearing deposit account at the applicable off -shore branch in the name of the Bank for the benefit of the designated customers ("Master Account"). The Bank, on behalf of the applicable off- shore branch will maintain the records of the Customer's investment in its sub -account system (the "Sub -Account System"). The Sub - Account System will: (i) identify the Customer's separate, individually identifiable investment; (ii) contain the Customer's transaction history with respect to the investment; and (iii) mirror in account name and other relevant information the Customer name and information from the DDA. (b) The Master Accounts for the London Investment Vehicle is maintained at a branch of the Bank. (c) The Customer understands that the Minimum Investment for investments in the London Investment Vehicle is $100,000. (d) Deposits held in a branch of the Bank, located outside the United States are payable exclusively at the branch at which the account is held and are not payable in the United States. Such deposits: (i) are not insured by the Federal Deposit Insurance Corporation (the "FDIC") or Page 34 of 48 any other governmental entity; (ii) are subject to cross-border risks; and (iii) have a lesser preference as compared to deposits held in the United States in the event of a liquidation of the Bank, or CHUSA, as applicable. (e) Required FDIC Disclosures : In the event of a failure of the Bank, funds swept to the London Investment Vehicle, as reflected on the Bank's end -of -day ledger balance, would not be considered deposits by the FDIC, and the beneficial owner of such funds would be treated as an unsecured general creditor of the receivership estate of the Bank. 12. OF Investment Vehicle. If the Customer has selected the IBF Investment Vehicle as an investment, the provisions of Section 12 shall apply in addition to the provisions of Sections 1 through 10. (a) The Bank, with respect to the OF Investment Vehicle, will maintain an interest-bearing deposit account at its International Banking Facility ("IBF") in the name of the Bank for the benefit of the designated customers ("Master Account"). The Bank, on behalf of its IBF will maintain the records of the Customer's investment in its sub -account system (the "Sub -Account System"). The Sub -Account System will: (i) identify the Customer's separate, individually identifiable investment; (ii) contain the Customer's transaction history with respect to the investment; and (iii) mirror in account name and other relevant information the Customer name and information from the DDA. (b) The Master Account for the IBF Investment Vehicle is maintained at the IBF of the Bank. (c) Investments in the IBF Investment Facility are only available to qualified institutions, pursuant to Section 204.8(a) (2)(i) of Federal Reserve Regulation D. (d) Deposits held in the IBF (i) are not insured by the Federal Deposit Insurance Corporation (the "FDIC") or any other governmental entity; and (ii) have a lesser preference as compared to deposits held in the United States in the event of a liquidation of the Bank. (e) Required FDIC Disclosures: In the event of a failure of the Bank, funds swept to the IBF Investment Vehicle, as reflected on the Bank's end -of -day ledger balance, would not be considered deposits by the FDIC, and the beneficial owner of such funds would be treated as an unsecured general creditor of the receivership estate of the Bank. 13. Fed Funds Investment Vehicle. If the Customer has selected the Fed Funds Investment Vehicle as an investment, the provisions of Section 13 shall apply in addition to the provisions of Sections 1 through 10. (a) The Bank will maintain the records of the Customer's investment in the Bank's sub -account system (the "Sub -Account System"). The Sub - Account System will: (i) identify the Customer's separate, individually identifiable Investment; (ii) contain the Customer's transaction history with respect to the Investment; and (iii) mirror in account name and other relevant information the Customer name and information from the DDA. (b) Investments in the Fed Funds Investment Vehicle are only available to the qualified depository banks pursuant to Federal Reserve Regulation D. (c) Fed Funds Investments: (i) are not bank deposits; and (ii) are not insured by the Federal Deposit Insurance Corporation (the "FDIC") or any other governmental entity. (d) Required FDIC Disclosures: In the event of a failure of the Bank, funds swept to the Fed Funds Investment Vehicle, as reflected on the Bank's end -of -day ledger balance, would not be considered deposits by the FDIC, and the beneficial owner of such funds would be treated as an unsecured general creditor of the receivership estate of the Bank. 14. Repo Investment Vehicle. If the Customer has selected the repurchase agreement ("Repo") as an investment ("Repo Investment Vehicle"), the provisions of Section 14 shall apply in addition to the provisions of Sections 1 through 10. (a) Definitions: (i) "Repo Rate" means the per annum percentage rate for determination of the Interest at Maturity. The Repo Rate will be determined by the Bank and is subject to change from time to time; (ii) "Income" means with respect to any Securities at any time, any principal thereof then payable and all interest, dividends or other distributions thereof; (iii) "Market Value" means with respect to any Securities as of any date, the most recently available bid price for the Securities, plus accrued Income to the extent not included therein as of such date (unless contrary to market practice for such Securities); Page 35 of 48 (iv) "Interest at Maturity" means with respect to any Purchase hereunder as of any date, the aggregate amount obtained by daily application of the Repo Rate for such Purchase to the Principal Amount for such Purchase on a 360 day per year basis for the actual number of days during the period commencing on (and including) the Trade Date for such Purchase and ending on (but excluding) the Maturity Date; (v) "Purchase" shall have the meaning as specified in Section 14(b). (vi) "Trade Date" means the date on which Purchased Securities are transferred by the Bank to the Customer; (vii) "Principal Amount" means on the Trade Date, the price at which Purchased Securities are transferred by the Bank to the Customer; (viii) "Purchased Securities" means the Securities transferred by the Bank to the Customer in a Purchase hereunder; (ix) "Maturity Date" means the date on which the Bank is to repurchase the Purchased Securities from the Customer, which is the business day succeeding the Trade Date; (x) "Net Due at Maturity" means the price at which the Purchased Securities are to be transferred from the Customer to the Bank upon termination of a Purchase, which will be determined in each case as the sum of the Principal Amount and the Interest at Maturity as of the date of such determination; (xi) "Securities" means securities issued by the United States Treasury or any agency of the United States Government (which may be available in book entry form only); (xi i) "Act of Insolvency" means (i) the commencement by the Customer as debtor of any case or proceeding (or the commencement by any party of such case or proceeding against the Customer) under any bankruptcy, insolvency, reorganization, liquidation, moratorium, dissolution, delinquency or similar law, or the Customer seeking the appointment or election (or any other party seeking such appointment or election) of a receiver, conservator, trustee, custodian or similar official for the Customer or any substantial or material part of its property, or the convening of any meeting of creditors for purposes of commencing any such case or proceeding or seeking such an appointment or election, (ii) the making by the Customer of a general assignment, arrangement or composition with or for the benefit of creditors, (iii) the appointment of a receiver, conservator, administrator, liquidator or trustee or analogous officer of the Customer or over all or any material or substantial part of the Customer's property, (iv) Customer becomes insolvent or is unable to pay its debts or fails or admits in writing its inability to pay its debts as they become due, (v) a secured party takes possession of all or substantially all (or a material portion of) Customer's assets or has a distress, execution, attachment, sequestration or other legal process levied, enforced or sued on or against all or substantially all (or a material portion of) Customer's assets and such secured party maintains possession, or any such process is not dismissed, discharged, stayed or restrained, (vi) Customer causes or is subject to any event with respect to Customer which, under the applicable laws of any jurisdiction, has an analogous effect to any of the events specified in clauses (i) through (v), or (vii) Customer takes any action in furtherance of, or indicating its consent to, approval of, or acquiescence in, any of the foregoing acts. (b) Applicability. On each business day, the parties may enter into transactions in which the Bank agrees to transfer to the Customer Securities against the sweep of funds from the DDA specified in Schedule A, with a simultaneous agreement by the Customer to transfer to the Bank such Securities on the succeeding Business Day, against the transfer to the Customer of funds by the Bank. The Bank agrees to provide the Customer with Securities with a Market Value sufficient to cover the Principal Amount with respect to any Purchase. Each such transaction shall be referred to herein as a "Purchase" and shall be governed by these Service Terms unless otherwise agreed in writing. (c) Initiation/Confirmation/Termination. On each Business Day in which there exists an amount in the DDA above the Target Balance, the Bank, will enter into a Purchase for the Customer in accordance with the Sweep Parameters of Section 3. Upon agreeing to enter into a Purchase hereunder, the Bank shall promptly deliver to Customer a written confirmation of each Purchase (a "Confirmation"). The Confirmation shall describe the Securities (specifying the CUSIP or a mortgage-backed security pool number, if any, the issuer, Maturity Date, coupon rate, par amount, market price and Market Value), identify the Customer and the Bank, and set forth: (i) the Trade Date; (ii) the Principal Amount; (iii) the Maturity Date; (iv) the Repo Rate; (v) Net Due at Maturity; and (vi) any additional terms or conditions of the Purchase not inconsistent with these Service Terms. The Confirmation, together with these Service Terms, shall constitute conclusive evidence of the terms agreed between Customer and The Bank with respect to the Purchase to which the Confirmation relates, unless, with respect to the Confirmation, specific objection is made promptly after receipt thereof. In the event of any conflict between the terms of such Confirmation and these Service Terms, these Service Terms shall prevail. On the Maturity Date, termination of the Purchase will be effected by transfer to the Bank of the Purchased Securities against the transfer of the Net Due at Maturity to the DDA. When the last day of a given month falls on a Friday, Saturday or Sunday, then the Interest at Maturity earned from Purchases entered into on that Friday will be paid on the next Business Day for the Interest at Maturity earned during the day(s) preceding month end and on the following business day for the period succeeding month end. The Repo Rate paid to Customer by the Bank on Purchases is not intended to be the same as the interest rate or stated rate of the Purchased Securities; therefore, the Net Due at Maturity is independent of any fluctuation in the market price of the Purchased Securities. Earnings on Repos shall be credited to the DDA on a daily basis. (d) Act of Insolvency; Set-off. In the event that an Act of Insolvency occurs, the Bank may determine that the Maturity Date for each Purchase hereunder shall occur at a time specified by the Bank (the "Accelerated Maturity Date"). The amount of the Net Due at Maturity Page 36 of 48 shall be established by the Bank for all Purchases as of the Accelerated Maturity Date, and the Bank shall determine the Market Value of the Purchased Securities. On the Accelerated Maturity Date, all right, title and interest in and entitlement to all Purchased Securities subject to such Purchases shall be deemed transferred to the Bank, and the Customer shall deliver all such Purchased Securities to the Bank. On the Accelerated Maturity Date, if for any reason all or part of the Purchased Securities are not transferred to the Bank, then the Market Value of such Purchased Securities will be set off against the Net Due at Maturity. As a result, the amount payable by the Bank will be reduced by the Market Value of Purchased Securities that are not transferred. If the Market Value of Purchased Securities that are not transferred to the Bank exceeds the Net Due at Maturity, the Customer will be liable for such excess. If the Bank incurs costs and expenses in connection with an Act of Insolvency or Accelerated Maturity Date, the Customer shall be liable for such costs and expenses. The amount payable by the Bank on an Accelerated Maturity Date may be reduced by such costs and expenses. (e) Estimates of Investment Balances. In connection with Repos, the Bank hereby discloses that it enters into Purchases prior to the end of each Business Day based on its estimate of the amount of the funds that will be available for investment by Repos customers at the end of the Business Day. Although the Bank will use its best efforts to accurately estimate the Principal Amount for the Purchase that will be entered into on behalf of the Customer on each business day, the Customer acknowledges and agrees that, on any business day, all or a portion of its DDA balance may be uninvested if the Market Value of Securities held by the Bank is less than the DDA balances of all customers whose funds are to be invested in Repos. In such an event, the Customer shall be entitled to an earnings credit established by the Bank from time to time, to be applied against the fees charged by the Bank. Except for the earnings credit described in this section, the Customer agrees that it shall have no claim against the Bank based on, or relating to, Purchases entered into with other customers, whether or not the Bank has made fewer or more investments for any other customer, or whether or not any investment for another customer could have resulted in additional investments made for the Customer under these Service Terms. Notwithstanding anything to the contrary in these Service Terms, no interest shall be paid on an uninvested DDA balance that are held in the specified DDA at the Bank. (f) Security Interest. Although the parties intend that all Purchases hereunder be sales and purchases and not loans, in the event any such Purchases are deemed to be loans, the Bank shall be deemed to have pledged to the Customer, as security for the performance by the Bank of its obligations under each such Purchase, and shall be deemed to have granted to the Customer a security interest in, all of the Purchased Securities with respect to all Purchases hereunder and all proceeds thereof. (g) Payment and Transfer. Unless otherwise mutually agreed, all transfers of funds hereunder shall be in immediately available funds. All Purchased Securities transferred by one party hereto to the other shall be through book entry transfer by the Bank or other identification on the Bank's records that the Purchased Security belongs to either the Customer or the Bank. (h) Segregation of Purchased Securities. To the extent required by applicable law, all Purchased Securities in the possession of the Bank shall be segregated from other securities in its possession and shall be identified as subject to these Service Terms. Segregation may be accomplished by appropriate identification on the books and records of the holder, including a financial intermediary or a clearing corporation. (i) Required Disclosure. THE BANK IS NOT PERMITTED TO SUBSTITUTE OTHER SECURITIES FOR THOSE SUBJECT TO THESE SERVICE TERMS AND THEREFORE MUST KEEP THE CUSTOMER'S SECURITIES SEGREGATED AT ALL TIMES, UNLESS IN THESE SERVICE TERMS, THE CUSTOMER GRANTS THE BANK THE RIGHT TO SUBSTITUTE OTHER SECURITIES. IF THE CUSTOMER GRANTS THE RIGHT TO SUBSTITUTE, THIS MEANS THAT THE CUSTOMER'S SECURITIES WILL LIKELY BE COMMINGLED WITH THE BANK'S OWN SECURITIES DURING THE TRADING DAY. THE CUSTOMER IS ADVISED THAT, DURING ANY TRADING DAY THE CUSTOMER'S SECURITIES ARE COMMINGLED WITH THE BANK'S SECURITIES, THEY MAY BE SUBJECT TO LIENS GRANTED BY THE BANK TO THIRD PARTIES AND MAY BE USED BY THE BANK FOR DELIVERIES ON OTHER SECURITIES TRANSACTIONS. WHENEVER THE SECURITIES ARE COMMINGLED, THE BANK'S ABILITY TO RESEGREGATE SUBSTITUTE SECURITIES FOR THE CUSTOMER WILL BE SUBJECT TO THE BANK'S ABILITY TO SATISFY ANY LIEN OR TO OBTAIN SUBSTITUTE SECURITIES. Q) Required FDIC Disclosure. In the event of a failure of the Bank, funds swept to the Repo Sweep Investment Vehicle, as reflected on the Bank's end -of -day ledger balance, would not be considered deposits by the Federal Deposit Insurance Corporation (the "FDIC"). However, the FDIC would treat the beneficial owner's swept funds in one of two ways: (a) if the failed Bank's assets were transferred to an acquiring institution, the swept funds would be returned back into the beneficial owner's deposit account on the business day following the failure of the Bank; or (b) if the failed Bank will be dissolved, the beneficial owner would receive a check or other payment from the FDIC to reacquire the beneficial owner's allotted interest in the securities in accordance with the FDIC's normal procedures. (k) Use of Employee Plan Assets. If assets of any employee benefit plan subject to any provision of the Employee Retirement Income Security Act of 1974 ("ERISA") are intended to be used by the Customer in a Purchase, the Customer shall also notify the Bank prior to the Purchase. The Customer hereby represents and warrants to the Bank that no Purchase constitutes a prohibited transaction under ERISA or is otherwise exempt therefrom, and the Bank may proceed in reliance thereon but shall not be required to proceed. (1) Intent. The parties recognize that each Purchase is a "repurchase agreement" as that term is defined in Section 101 (47) of Title 11 of the United States Code, as amended (except insofar as the type of Securities subject to such Purchase or the terms of such Purchase would render such definition inapplicable), and a "securities contract" as that term is defined in Section 741(7) of Title 11 of the United States Code, as amended. Page 37 of 48 It is understood that either party's right to liquidate securities delivered to it in connection with Purchases hereunder or to exercise any other remedies pursuant to these Service Terms, is a contractual right to liquidate such Purchase as described in Section 555 and 559 of Title 11 of the United States Code, as amended. (m) Disclosure Relating to Certain Federal Protections. The parties acknowledge that any Purchases under these Service Terms are obligations of the Bank collateralized by Securities. The Customer acknowledges that it has been advised that funds held by the Bank pursuant to a Purchase hereunder: (i) are not bank deposits; and (ii) are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government entity. (n) Certification Relating to Section 15B of the Securities Exchange Act of 1934 (Rule 15Ba1-1 et seq.) (the "Municipal Advisor Rule"). Customer represents and warrants to the Bank that for purposes of the Municipal Advisor Rule, none of the funds currently invested in the Repo Investment Vehicle, or the funds that the Customer may seek to invest in the Repo Investment Vehicle in the future, constitute or contain (i) proceeds of municipal securities (including investment income therefrom and monies pledged or otherwise legally dedicated to serve as collateral or a source of repayment for such securities) or (ii) municipal escrow investments (as each such term is defined in the Municipal Advisor Rule). Customer also represents and warrants to the Bank that the person providing this certification has access to the appropriate information or has direct knowledge of the source of the funds to be invested in the Repo Investment Vehicle to enable the forgoing representation to be made. Further, the Customer acknowledges that the Bank will rely on this representation until notified in writing otherwise. 15. Offshore/Repo Investment Vehicle. If the Customer has selected the London/Repo Investment Vehicle ("Offshore/Repo Investment Vehicle") as an investment, the provisions of Section 15 shall apply in addition to the provisions of Sections 1 through 10 and 11 and 14. If the Customer has selected the Offshore/Repo Investment Vehicle, the Bank will invest the Customer's DDA balances in accordance with the Sweep Parameters in Section 3. If the amount of the DDA Balances is more than $100,000, then the Bank will invest the balances in the London Investment Vehicle. If, however, the Investment is less than $100,000 then the Bank will invest such lesser amount in the Repo Investment Vehicle instead. 16. Loan Sweep. If the Customer has selected any of the following: Loan Borrowing and Payment Option, Loan Payment Option, Loan Borrowing Option, Loan and Investment Option and Fed Funds Borrowing Option (collectively, the "Loan Sweep"), the provisions of Section 16 as well as the provisions of Sections 1 through10 (and the applicable Sections of 11 through 15) shall apply. (a) Credit Facility. The Customer acknowledges that as a condition precedent to use of the Loan Sweep, the Customer shall have in place a current credit facility with the Bank (the "Credit Facility"). Any credit extended to Customer through use of the Loan Sweep will be subject to all of the terms and conditions of the Credit Facility. (b) Loan Borrowing and Payment Option. After the close of business on each Business Day, if the Customer has selected the Loan Borrowing and Payment Option, the Bank will determine the balance in the DDA after all transactions for that Business Day have been posted to such DDA and: (i) If the DDA balance is less than the Target Balance, the Bank will draw on the Credit Facility in an amount up to the amount of credit available under the Credit Facility on the Bank's applicable loan system and will transfer the proceeds of such draw to fund the DDA up to the Target Balance. To permit such draws, the Bank hereby waives any notice requirements for such draws under the Credit Facility (but nothing in these Service Terms shall be deemed to be a waiver of the conditions to lending under the Credit Facility), and the Customer hereby authorizes the Bank to draw under the Credit Facility to the extent required under this Section 16(b)(i). If the amount of the available credit under the Credit Facility is insufficient to bring the balance in the DDA to the Target Balance, the Target Balance in the DDA will not be reached to the extent of such insufficiency; (ii) If the DDA balance is more than the Target Balance, the Bank will pay down the Credit Facility so that the Target Balance remains in the DDA. To permit such pay downs, the Bank hereby waives any notice requirements for such pay downs under the Credit Facility. Payments to pay down the Credit Facility will only be applied to those loans which are revolving loans under the Credit Facility and which will not result in any break -funding costs or prepayment premiums to the Customer; (iii) If the Credit Facility has expired or for whatever reason is not available for use by the Customer, any balance in the DDA in excess of the Target Balance will be used to pay down the principal amount of the Credit Facility. (c) Loan Payment Option. If the Customer has selected the Loan Payment Option, that Service will operate the same as the pay down portion of the Loan Borrowing and Payment Option described above in Section 16(b). (d) Loan Borrowing Option. If the Customer has selected the Loan Borrowing Option, that Service will operate the same as the borrowing portion of the Loan Borrowing and Payment Option described above in Section 16(b). (e) Loan and Investment Option. If the Customer has selected the Loan and Investment Option, that Service will operate the same as the Loan Borrowing and Payment Option, except that to the extent there remains a balance in excess of the Target Balance in the DDA after Page 38 of 48 pay down of the Credit Facility, then the remaining balance in the DDA will be swept by the Bank into the designated Investment Vehicle in accordance with the applicable provisions of these Service Terms. (f) Fed Funds Borrowing Option. If the Customer, is eligible for, has selected the Fed Funds Borrowing Option, and has a Credit Facility in place for Fed Funds, then that Loan Sweep will operate in the same manner as other Loan Sweeps described in this Section 16. (g) Required FDIC Disclosure. In the event of a failure of the Bank, funds swept as part of the Loan Payment Option and the pay down component of the Loan Borrowing and Payment Option, as reflected on the Bank's end -of -day ledger balance, would not be considered deposits by the Federal Deposit Insurance Corporation (the "FDIC"), but such swept funds would reduce the loan balance owed by the Customer to the receivership estate of the Bank. (h) Multiple DDAs. The Customer may link multiple DDAs (held by the same legal entity), up to a maximum determined by the Bank, to sweep to a single Credit Facility, provided, however that all such DDAs are maintained in the same state. In the event of multiple DDAs, the Bank will post individual debits or credits to the respective DDAs, and will post the net advance or payment to the Credit Facility. Agreed to: TEST CUSTOMER Agreed to: JPMORGAN CHASE BANK, N.A. (Customer) By: By: (Signature) Name: Title Name: Title: Date: (Signature) Page 39 of 48 TREASURY SERVICES END OF DAY INVESTMENT & LOAN SWEEP SERVICE TERMS SCHEDULE A Effective Date: Customer Name: TEST CUSTOMER DDA Name: DDA No.: Tax Payer ID Number: 232342342 Sub -Account Number Investment Vehicles: Fed Funds Investment Vehicle London Investment Vehicle Repo Investment Vehicle* IBF Investment Vehicle London/Repo Investment Vehicle" (Check Desired Investment 'By selecting the Repo Investment Vehicle, Customer represents and warrants to JPMorgan Chase Bank, N.A. ("Bank"), that for purposes of Section 15B of the Securities Exchange Act of 1934 (Rule 15Ba1-1 et seq.) (the "Municipal Advisor Rule"), none of the funds currently invested in the Repo Investment Vehicle, or the funds that the Customer may seek to invest in the Repo Investment Vehicle in the future, constitute or contain (i) proceeds of municipal securities (including investment income therefrom and monies pledged or otherwise legally dedicated to serve as collateral or a source of repayment for such securities) or (ii) municipal escrow investments (as each such term is defined in the Municipal Advisor Rule). Customer also represents and warrants to the Bank that the person providing this certification has access to the appropriate information or has direct knowledge of the source of the funds to be invested in the Repo Investment Vehicle to enable the forgoing representation to be made. Further, the Customer acknowledges that the Bank will rely on this representation until notified in writing otherwise. Sweep Parameters: Target Balance Minimum Investment Sweep Increment Investment Cap Tier Structure: Iftiered Step Tiers ,JdII Balance Tiers (Insert Applicable Amounts) Page 40 of 48 Loan Sweep Options: (Check Desired Loan Sweep Option) Loan Borrowing and Payment Option ❑ Loan Payment Option ❑ Loan Borrowing Option ❑ Loan and Investment Option ❑ Fed Funds Borrowing Option ❑ This Schedule A supersedes any previous Schedule A with respect to the information, accounts and selections. By signing below the Customer confirms such information, accounts and selections set forth in this Schedule A for this Service. Page 41 of 48 END OF DAY MONEY MARKET MUTUAL FUND V4.3_01_11_14 SWEEP SERVICE TERMS Customer: Date: 1. Service. JPMorgan Chase Bank, N.A. (the "Bank") will provide the customer (the "Customer") with its automatic end of day investment sweep service to JPMorgan money market mutual funds (the "Service") by which the Bank: (i) will arrange for the automatic investment of Customer balances into JPMorgan Money Market Fund; (ii) will arrange for the return of invested funds; and (iii) will credit the Customer's account with dividends; all as more fully described below. The provisions of the Bank's account documentation, incl ng account terms and conditions governing the operation of business accounts and services ("Account Documentation"), are incorporated ' e Service Terms by reference. The Customers must sign these Service Terms and Schedule A in order to participate in the Service, doing so agrees to the provisions of these Service Terms and authorizes the transactions described herein. 2. Accounts. . (a) The Customer hereby authorizes the Bank to establish and/or maintain inCustomer's name the dem posit account (the "DDA") referenced in Schedule A, attached hereto. 14 (b) The Bank will maintain on the books of the JPMorgan Money Market Mutual Fund (the "Fund") an account in the name: JPMorgan Chase Bank, N.A. for the benefit of itself and its Customers ("Master Acc unt" ). Sweep Operation; Investments. *# (a) The Customer will select the Fund, as designated on Schedule A, to which its investment will be made. In addition, Schedule A establishes parameters for the sweep of balances under the service ("Sweep Parameters"), by setting forth the following Customer -specific information: (i) a "Target Balance", which is the level of available balances that will remain in the DDA after the posting of all debts and credits; (ii) an "Initial Investment Cap", which is the maximum amount above the Target Balance which Customer and the Bank initially expect to have invested for the Customer. Sweep Parameters are subject to review and modification by the Bank upon notice to the Customer. (b) The Bank, subsequent to the establishment of the Initial Investment Cap, will use a statistically derived floating cap ("Floating Investment Cap") in substitution for the Initial Investment Cap, in order to estimate the level of balances in the DDA available for investment. (c) The Bank, at the end of each banking business day (a "Business Day") will automatically debit the DDA and transfer to the Fund an amount equal to the available balance in the DDA above the Target Balance but not to exceed the Initial Investment Cap or the Floating Investment Cap, as applicable ("Sweep Balance"), for the purchase of shares ("Shares") in the Fund. The Shares purchased shall be recorded in the Master Account. To the extent that additional Shares are available to the Bank, and the Customer has additional funds in the DDA, above the Initial Investment Cap or the Floating Investment Cap, as applicable, available for investment ("Incremental Sweep Balance"), then the Bank, without incremental expense, in addition to the Sweep Balance, will endeavor to sweep some or all of the Incremental Sweep Balance in excess of the applicable cap into Shares, but will have no liability for not doing so in any circumstance. The Bank, on the succeeding Business Day, will send a redemption order to the Fund for the Sweep Balance and the Incremental Sweep Balance, if applicable, and credit the DDA, provisionally or otherwise, for the amount or anticipated amount, as applicable, of the redemption order ("Credit"). If, for any reason, the amount of the Credit is determined to have exceeded the net asset value of the redeemed Fund shares or if the Fund suspends redemptions on the day that the Credit is granted, the Customer hereby authorizes and directs the Bank, in its -discretion, to immediately debit the DDA for an amount up to and including the full amount of the Credit. The Bank may debit the DDA even though such debit may bring about or increase an overdraft. (d) The Bank will invest the Sweep Balance and the Incremental Sweep Balance, if applicable, of the Customer in a share class ("Share Class") of the designated Fund, based on the amount of the Sweep Balance and the Incremental Sweep Balance. The Bank is authorized, on a ,periodic basis, to re-evaluate whether the Customer's Sweep Balance and Incremental Sweep Balance should be invested in a different Share Class or should continue in the current Share Class based on balance invested in the prior assessment period. The Bank is authorized and directed to invest the Customer's Sweep Balance and Incremental Sweep Balance in such different Share Class of the designated Fund in accordance with such re-evaluation. 4. Acknowled .The Customer acknowledges that: (a) Service and the interest in Shares hereunder for the Customer shall be subject to, as applicable, the terms and conditions of: (i) these Service Terms; (ii) the prospectus for the Fund (the "Prospectus"), and the Statement of Additional Information for the Fund (the "SAI"), each as amended from time to time; and (iii) such further conditions as the Bank or the Fund impose and make known to the Customer from time to time; (b) The distributor of the JPMorgan Money Market Mutual Funds is JPMorgan Distribution Services Inc., which is affiliated with the Bank. The Bank may receive compensation from the Fund, the management company for the Fund and/or the distributor of the Fund for providing services as described in the Prospectus; Page 42 of 48 (c) The Customer: (i) consents to receiving all information from the Bank, including without limitation, the Prospectus and the SAI (and the Key Investor Information Documents ("KIID"), if applicable), via electronic means; (ii) is able to open and read all such communications; (iii) has received, reviewed and understands the current Prospectus (and KIID, if applicable), which contains information about the Funds, including management fees and fund expenses paid by the Fund; and (iv) consents to having its sweep statements delivered by electronic means including the internet; (d) Affiliates of the Bank provide services to the Fund(s) and receive fees from the Fund(s) for such services as described in the Prospectus, including acting as investment advisor, administrator, custodian, distributor and shareholder servicing agent, and the Bank may receive fees from its affiliates for providing services to the Bank's Customers that invest in the Fund(s); and (e) THE CUSTOMER WAS NOT OFFERED ANY ADVICE OR RECOMMENDATION ON INVESTING IN THE FUND BY THE BANK, AND (1) NO INVESTMENT ACCOUNT OR MASTER ACCOUNT ESTABLISHED WITH RESPECT TO THE FUND(S) IS A DEPOSIT ACCOUNT AND NEITHER SUCH ACCOUNT NOR SHARES IN THE FUND(S) ARE INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION (THE "FDIC" ); (11) SHARES IN THE FUND(S) ARE NOT THE OBLIGATIONS OF, AND ARE NOT GUARANTEED BY THE BANK OR THE U.S. GOVERNMENT; (III) THERE IS NO ASSURANCE THAT THE FUND WILL BE ABLE TO MAINTAIN A STABLE NET ASSET VALUE OF $1.00 PER SHARE AND THAT INVESTMENTS IN MUTUAL FUNDS INVOLVE RISK, INCLUDING POSSIBLE LOSS OF PRINCIPAL; (IV) THE CUSTOMER HAS MADE ITS OWN INDEPENDENT INVESTMENT ASSESSMENT AS TO THE SUITABILITY AND APPROPRIATENESS OF THE SERVICE AND THE INVESTMENTS HEREUNDER FOR THE NEEDS AND REQUIREMENTS OF ITS BUSINESS, AND ASSUMES ALL RISK OF LOSS RESULTING FROM ANY DECISION IT MAKES TO PURCHASE, EXCHANGE OR SELL SHARES OF THE FUND, OR TO AUTHORIZE THE SAME ON ITS BEHALF; AND (V) THE CUSTOMER IS NOT SUBJECT TO BACKUP WITHHOLDING. 5. Service Fees. The Customer shall compensate the Bank for the service, in accordance with the Bank's fee schedules from time to time in effect. 6. Required FDIC Disclosures. In the event of a failure of the Bank, funds swept to a Fund, as reflected on the Bank's end -of -day ledger balance, would not be considered deposits by the FDIC. However, the FDIC would treat the beneficial owner's swept funds in one of two ways: (a) if the failed Bank's assets were transferred to an acquiring institution, the swept funds would be returned back into the beneficial owner's deposit account on the business day following the failure of the Bank; or (b) if the failed Bank will be dissolved, the beneficial owner would receive a check or other payment from the FDIC to reacquire the beneficial owner's allotted interest in the Fund in accordance with the FDIC's normal procedures. 7. Miscellaneous. (a) The Customer has no right to demand delivery or transfer of Shares purchased for it hereunder, but the Bank may deliver such Shares to Customer in discharge hereof if redemption is precluded. In the normal course, redemption proceeds, including any dividends, will be deposited in the DDA upon receipt from the Fund. Dividends will be posted to the DDA when received by the Bank. Since Fund dividends are paid monthly, although accrued daily, such dividends will actually be credited to the Customer once a month, in arrears. The calculation method for these dividends is disclosed in the Prospectus and SAI. (b) The Bank reserves the right, in its sole discretion: (i) to suspend the service on any given day; or (ii) to limit the amount of the Sweep Balance or Incremental Sweep Balance actually transferred to the Fund, and, such limits may vary between DDAs and between Customers. To the extent the Customer expects a significant increase or decrease in the level of available balances in the DDA, the Customer will notify its client service representative at the Bank, prior to the increase or decrease in order to reduce the possibility that the Sweep Balance or Incremental Sweep Balances, or parts thereof, remain in the DDA, and to enable the Bank to more accurately adjust the Floating Investment Cap. The Customer will receive earning credits for any Sweep Balance or Incremental Sweep Balance, or parts thereof, remaining in the DDA, and will be responsible for any overdrafts that occur if a redemption order is not completed or balances are not returned to the DDA. In the event the Fund fails to fund a redemption or fails to meet any of its other obligations to the Customer, the Customer's recourse for such failure is to the Fund. (c) Transactions involving the Fund will be reflected on Customer's monthly Sweep Account statement. The Bank may omit sending a statement(s) of sweep activity to the Customer for any month when the Account has had a zero balance and no activity. (d) To the extent legally possible, the Bank may amend this Service Terms at any time in any respect effective upon written notice to Customer (e) The Customer acknowledges that, without prejudice to the Bank's rights under applicable law and under the Account Documentation, the Bank shall have the right to instruct, without contacting the Customer, any Bank affiliate through or at which the Customer holds any securities, including any securities owned by the Customer as a result of transactions that are related to this application, to sell any or all such securities in an amount sufficient to cover all amounts owing to the Bank, including, without limitation, any overdraft amounts, interest, fees or other charges. The Bank or the Bank's affiliates may choose which securities to sell and the process related to such transactions, and such actions may have adverse tax, investment and/or other implications. (f) Certification Relating to Section 15B of the Securities Exchange Act of 1934 (Rule 15113a1-1 et seq.) (the "Municipal Advisor Rule"). Customer represents and warrants to the Bank that for purposes of the Municipal Advisor Rule, none of the funds currently invested in the money market funds, or the funds that the Customer may seek to invest in the money market funds in the future, constitute or contain (i) proceeds of municipal securities (including investment income therefrom and monies pledged or otherwise legally dedicated to serve as collateral or a source of repayment for such securities) or (ii) municipal escrow investments (as each such term is defined in the Municipal Advisor Rule). Customer also represents and warrants to the Bank that the person providing this certification has access to the appropriate information or has direct knowledge of the source of the funds to be invested in the money market funds to enable the forgoing Page 43 of 48 representation to be made. Further, the Customer acknowledges that the Bank will rely on this representation until notified in writing otherwise. 8. Notices. All notices to the Bank shall be sent to: JPMorgan Chase Bank, N.A., c/o JPMorgan Treasury Technologies Corporation, Treasury, Liquidity and Investment Products (TLIP) Operations, 10420 Highland Manor Drive — 2nd Floor, Tampa, FL 33610. All notices to the Customer shall be sent to the Customer's last known address on the Bank's books and records. Taxes. The Bank makes no representations as to the interpretation or characterization of the transactions herein undertaken for tax or any other purpose, in any jurisdiction. The Customer has fully satisfied itself as to any tax impact of this Service before agreeing to the terms herein, and is responsible for any income, withholding or other taxes imposed by any jurisdiction. The Customer will indemnify and otherwise hold the Bank harmless for (i) withholding tax imposed by any jurisdiction on overdraft interest charged to any demand deposit account, and any interest, penalties or additions to tax for failure to properly remit such tax, and (ii) the Bank's payment of any taxes, interest, penalties and or additions to tax otherwise due from, or paid on behalf of, such Customer. The Customer is responsible for effecting the actual payment to appropriate taxing authorities of any withholding tax due on overdraft charges. The Customer shall provide the Bank such documentation, declarations, certifications and information as it may require in connection with taxation, and warrants that such information is true and correct in every respect, not misleading or inaccurate in any way, and contains all material information. The Customer undertakes to notify the Bank immediately if any information requires updating or correction. The overdraft charge will be free and clear of, and without any deduction or withholding for, any applicable withholding tax. The overdraft charge legally due to the Bank shall be equal to the quotient calculated by dividing (i) the stated overdraft charge provided to the Customer by the Bank by (ii) 1 minus the applicable withholding tax rate. 10. Termination. Either party may terminate this Service upon giving notice to the other party, effective in the case of the Bank, a reasonable time following receipt of such notice. In addition, this Service will terminate upon the closing of the DDA for any reason. In the ordinary course of business, dividends accrued prior to termination will be paid to Customer following the end of the month during which termination occurred. 11. Errors; Delays. The Bank shall not be liable for errors or delays in transmission of orders for purchase or redemption of Shares sent from the Bank to the Fund or to the Fund's distributor. All claims for adjustments shall be made by the Customer within ninety (90) days of the corresponding account statement or be waived. 12. Governing Law. These Service Terms shall be governed by and construed in accordance with the laws of the State of New York, U.S.A. without reference to the conflict of laws provisions thereof. 13. If the Customer has selected a U.S. domestic Fund as a Fund, the provision of Section 13 shall apply in addition to the provisions of Sections 1 through 12. These Funds are only available to entities domiciled in the United States. Distributor. The Customer acknowledges that the distributor of the JPMorgan Money Market Mutual Funds is JPMorgan Distribution Services Inc., which is affiliated with the Bank. The Customer acknowledges that the distributors of the third party Funds are not affiliated with the Bank. The Bank may receive compensation from the Fund, the management company for the Fund and/or the distributor of the Fund for providing services as described in the Prospectus. 14. If the Customer has selected an Off -Shore Fund as a Fund, the provisions of Section 14 shall apply in addition to the provisions of Sections 1 through 12. a) Distributor. The Customer acknowledges that the distributor of the JPMorgan Liquidity Funds is JPMorgan Asset Management (Europe) S.a.r.l. which is affiliated with the Bank. The Customer acknowledges that the distributors of the third party Funds are not affiliated with the Bank. The Bank may receive compensation from the Fund, the management company for the Fund and/or the distributor of the Fund for providing services as described in the Prospectus. b) Representations. The Customer represents and warrants to the Bank that: i) it is not a "U.S. person", as such term is defined in Regulation S, promulgated by the Securities Exchange Commission pursuant to the Securities Act of 1933 and it will notify the Bank immediately of any change in this status; ii) it was not formed principally for the purpose of investing in securities not registered under the U.S. Federal Securities laws; iii) the funds that will be used to purchase Shares will not be obtained from a U.S. person; and iv) it is acquiring Shares as an investment for its own account, or if purchasing for the account of a customer, the customer is not a U.S. person. Page 44 of 48 c) Indemnity. The Customer shall indemnify and hold the Bank harmless from and against any and all claims, damages, demands, liabilities, losses, costs and expenses (including attorneys' fees) as a result of or in connection with the breach of any representation or warranty hereunder. 15. If the Customer has selected a JPMorgan Off -Shore Fund as a Fund, the provision of Section 15 shall apply in addition to the provisions of Sections 1 through 12 and Section 14. Additional Terms Applicable to an Investment in a JPMorgan Offshore Fund. The Customer acknowledges that it has read the Additional Terms Applicable to an Investment in a JPMorgan Offshore Fund attached hereto as Annex I and agrees to be bound by the provisions set forth therein. Agreed to: [CUSTOMER] By: (Signature) Name: Title: Agreed to: JPMorgan Chase Bank, N.A. By: (Signature) Name: Title: Date: Page 45 of 48 END OF DAY MONEY MARKET MUTUAL FUND SWEEP SERVICE TERMS SCHEDULE A Customer Name: DDA Name: DDA No. Tax Payer ID Number (TIN): W8 Type / Number: Fund Options: For US Domiciled Entity or Person -- Valid US TIN Required ❑ JPMorgan Prime Money Market Fund -Morgan #283 ❑ JPMorgan Prime Money Market Fund -Premier #350 ❑ JPMorgan Prime Money Market Fund -Agency #349 ❑ JPMorgan Tax Free Money Market Fund- Morgan #2 ❑ JPMorgan Tax Free Money Market Fund- Premier #92 ❑ JPMorgan Tax Free Money Market Fund- Agency #244 ❑ JPMorgan US Government Money Market Fund - Morgan #3916 ❑ JPMorgan US Government Money Market Fund -Premier #1086 ❑ JPMorgan US Government Money Market Fund -Agency #1603 ❑ JPMorgan US Treasury Plus Money Market Fund- Morgan #3919 ❑ JPMorgan US Treasury Plus Money Market Fund- Premier #3920 ❑ JPMorgan US Treasury Plus Money Market Fund -Agency #3917 ❑ JPMorgan 100% US Treasury Securities Money Market Fund -Morgan #677 ❑ JPMorgan 100% US Treasury Securities Money Market Fund -Premier #675 ❑ JPMorgan 100% US Treasury Securities Money Market Fund -Agency #676 For Non -US Domiciled Entity of Person ❑ JPMorgan U.S. Dollar Liquidity Fund -Morgan #195 ❑ JPMorgan U.S. Dollar Liquidity Fund -Premier #194 ❑ JPMorgan U.S. Dollar Liquidity Fund- Agency -#193 ❑ JPMorgan U.S. Dollar Treasury Liquidity Fund -Morgan # 1333 ❑ JPMorgan U.S. Dollar Treasury Liquidity Fund -Premier #1336 ❑ JPMorgan U.S. Dollar Treasury Liquidity Fund -Agency #1335 Sweep Parameters: Target Balance Initial Investment Cap (Insert. Applicable Amounts) Effective Date: Default Amount: $0.00 Based on anticipated average balances above the Target Balance, but not to exceed $10 million Page 46 of 48 By signing below, Customer represents and warrants to JPMorgan Chase Bank, N.A. ("Bank"), that for purposes of Section 15B of the Securities Exchange Act of 1934 (Rule 15Ba1-1 et seq.) (the "Municipal Advisor Rule"), none of the funds currently invested in the money market funds, or the funds that the Customer may seek to invest in the money market funds in the future, constitute or contain (i) proceeds of municipal securities (including investment income therefrom and monies pledged or otherwise legally dedicated to serve as collateral or a source of repayment for such securities) or (ii) municipal escrow investments (as each such term is defined in the Municipal Advisor Rule). Customer also represents and warrants to the Bank that the person providing this certification has access to the appropriate information or has direct knowledge of the source of the funds to be invested in the money market funds to enable the forgoing representation to be made. Further, the Customer acknowledges that the Bank will rely on this representation until notified in writing otherwise. This Schedule A supersedes any previous Schedule A with respect to the information, accounts and selections. By signing below the Customer confirms such information, accounts and selections set forth in this Schedule A for this Service. Agreed to: Agreed to: [CUSTOMER] JPMORGAN CHASE BANK, N.A. (Customer) By: Name: Title (Signature) By: Name: Title: (Signature) Page 47 of 48 ANNEX ADDITIONAL TERMS APPLICABLE TO AN INVESTMENT IN AN OFFSHORE FUND 1. Defined Terms. "Bank" means JPMorgan Chase Bank, N.A. "CSSF" means Commission de Surveillance du Secteur Financier. "Fund" or "Funds" means the collective investment schemes managed and/or distributed by JPMAME. "JPMAME" means JPMorgan Asset Management (Europe) S.a.r.l. with its registered address at European Bank and Business Centre, 6, route de Treves, L — 2633 Senningerberg, Grand -Duchy of Luxembourg. "Shares" means shares or units of any Fund. Representations. The Customer represents and warrants that: (a) Either the Customer is the ultimate economic beneficiary of the Shares or the Customer has provided all relevant identification documentation relating to the ultimate economic beneficiary as requested; (b) The Customer will be solely responsible for complying with all the relevant legal, tax and exchange control regulations in force in the applicable country of our citizenship, residence or domicile; (c) The Customer is not an applicant that would be prohibited by applicable law to own or hold shares of the Fund; and (d) The Customer shall not subscribe for Shares in breach of any applicable restrictions. I Acknowledgements. The Customer acknowledges and agrees that: (a) If at any time after the date hereof the Customer becomes aware that the Customer is no longer eligible to invest in the Share Classes: (i) the Customer will notify Bank immediately, (ii) Bank may redeem or transfer the Customer's holdings, and (ii) the Customer agrees to indemnify Bank and the relevant Fund for any penalties, costs or liabilities resulting from the Customer's failure to inform Bank of a change in the Customer's status. (b) Should the relevant Fund be notified at any time by Bank or any other relevant entity of the JPMorgan Chase & Co. group of companies that the Customer ceases to satisfy the minimum eligibility criteria for the Share Classes the Customer's holding in the Share Classes may be compulsorily redeemed without prior notice and the proceeds placed into a share class within the same sub -fund for which the Customer qualifies net of any fees and expenses allocable to the Share Classes and any tax or penalties which the relevant Fund or any sales agent may be obliged to deduct, or if there is no such share class, the proceeds will be returned, without interest, to the Customer net of any fees and expenses allocable to the Share Classes and any tax or penalties which the relevant Fund or any sales agent may be obliged to deduct. (c) That the minimum eligibility criteria for Share Classes are fixed in accordance with the applicable current Luxembourg regulations and that, accordingly, neither the Bank nor the Fund can be held responsible for any changes in such criteria or for any costs or losses resulting from the compulsory redemption as a result of non -satisfaction of such criteria at any time. (d) The Customer will not assign, transfer, sell, loan, charge, mortgage, pledge or hypothecate the Customer's holding in the Share Classes through clearing houses or through any other means, without prior written notification to Bank. (e) The Customer has made all prudent and diligent investigations, including the taking of tax, legal and exchange control advice, in respect of the suitability of this investment. (f) The Customer has the sole responsibility to determine the suitability of this investment, and that the characteristics of a Fund may be modified from time to time, including via Fund mergers and/or liquidations. (g) Bank reserves the right to reject either in whole or in part any application for and transactions in Shares which are not fully supported by all documents and information requested by Bank as well as payment with good value or for any other reason at Bank's absolute discretion. (h) The Customer shall not perform any act or make any misrepresentation which may or will reflect adversely upon the business integrity or goodwill of the JPMorgan Chase & Co. group of companies or any of the Funds or which may imperil or prejudice any authorization of the Funds by any relevant authority. (i) The Customer will not permit transactions which the Customer knows to be, or has reason to believe to be, related to late trading or market timing practices as defined in CSSF Circular 04/146. Q) Bank shall have the right to terminate this relationship without notice for cause if the Customer is trading or permitting transactions or practices in the Funds in a manner which, in the opinion of the Bank or JPMAME is considered to be contrary to the Bank's or JPMAME's respective policies and procedures related to late trading or market timing practices as defined in CSSF Circular 04/146 or is otherwise considered not to be in the interests of the Bank, JPMAME and/or the Funds and the Customer has failed to remedy such practices to the satisfaction of Bank. (k) The Customer will indemnify the Bank, the Fund(s), the Customer's agents and JPMAME upon first demand against any losses, costs and expenses (including interest, transaction charges and any other charges attributable to the late settlement of any purchase transactions) arising from any misrepresentation hereunder or any breach of the provisions related to the Customer's subscription for Shares unless such losses are due to the willful default or negligence of the Bank or the Customer's agents. (1) The Customer will immediately notify Bank if any of the information presented to or representations made to Bank are no longer accurate or complete in all respects. Page 48 of 48 Attachment 2. Availability Schedule J.P.Morgan Availability Schedule January -15 J.P.Morgan Availability Schedule Policy Paper Deposits The funds availability of checks deposited is based on the financial institution where the check is drawn. The cutoff for same day ledger credit for deposits delivered directly to a regional processing center is 4:00 p.m. local time. Deposits received after deadline will be posted on the next business day. The Federal Reserve banking system will not forward process any item over $99,999,999.99. J.P.Morgan may refuse to process such item or handle any such item as a collection item, with customer credit and availability deferred accordingly. Thrift and S&L routing transit numbers (RTs) receive the same availability as the corresponding RT range as listed in the schedule. Federal Reserve Bank and Federal Home Loan Bank RTs are assigned one day float. Availability schedules may be changed without notification. The information furnished herein by J.P.Morgan is CONFIDENTIAL and is distributed for the exclusive use in evaluating J.P.Morgan programs and shall not be duplicated, published, or disclosed in whole or part, to any other person or disclosed in whole or part, to any other person or entity other than the recipient, or used for other purposes, without the prior written permission of J.P.Morgan. CHECK AVAILABILITY SCHEDULE Routing Transit Number(s) "On -Us" List See "On -Us Control Disbursement" List 0000-0020, 0119, 0800 0000-0050, 0051 0000-9000 Others CONFIDENTIAL © 2015 J.P.Morgan, All rights reserved. On Us On Us Control Disbursement Postal Money Orders U.S. Treasury Warrants ISavings Bonds I IDomestic Institutions I CONFIDENTIAL © 2015 J.P.Morgan. All rights reserved. 1 of 1 Paper 601 Nationwide On Us RTs 0210-0002 0519-0036 0830-0013 1221-0002 0210-0012 0610-9238 1020-0101 1232-7197 0211-0036 0654-0013 1030-0064 1240-0154 0212-0233 0710-0001 1070-8955 2631-8986 0212-0271 0710-0077 1110-0061 2670-8413 0212-7272 0710-7452 1110-0115 3222-7162 0214-1063 0711-0026 1119-2186 3250-7076 0223-0017 0720-0032 1119-9377 0280-0012 0740-0001 1130-0060 0440-0003 0750-0001 1130-0670 Nationwide CD RTs 0213-0046 0311-0023 0652-0475 1020-0097 0213-0937 0311-0026 0719-2322 1070-0109 0213-0943 0311-0028 0724-1292 1113-0088 0220-0084 0441-1544 0759-0272 8000-0011 J.P.Morgan Availability Schedule January -15 J.P.Morgan Image Deposit Direct (IDD) Availability Schedule Policy The funds availability of checks deposited is based on the financial institution where the check is drawn. The Federal Reserve banking system will not forward process any item over $99,999,999.99. J.P.Morgan may refuse to process such item or handle any such item as a collection item, with customer credit and availability deferred accordingly. Availability schedules may be changed without notification. Thrift and S&L routing transit numbers (RTs) receive the same availability as the corresponding RT range as listed in the schedule. Federal Reserve Bank and Federal Home Loan Bank RTs are assigned one day float. The information furnished herein by J.P.Morgan is CONFIDENTIAL and is distributed for the exclusive use in evaluating J.P.Morgan programs and shall not be duplicated, published, or disclosed in whole or part, to any other person or disclosed in whole or part, to any other person or entity other than the recipient, or used for other purposes, without the prior written permission of J.P.Morgan. Corporate IDD 601 Availability is shown in Current Day Cycle ,Routing. - See "On -Us" Tab See "On -Us" Tab 0000-0020, 0119, 0800 0000-0050, 0051 0000-9000 All Others "Deadlines are Eastern Standard Time CONFIDENTIAL © 2015 J.P.Morgan, All rights reserved. Description On Us On Us Controlled Disbursement Postal Money Orders US Treasury Savings Bonds Domestic Institutions 1 -7_7 10 1 10 1 10 1 10 1 10 1 1 10 1 1 1 70% Nationwide On Us RTs 0210-0002 0519-0036 0830-0013 1221-0002 0210-0012 0610-9238 1020-0101 1232-7197 0211-0036 0654-0013 1030-0064 1240-0154 0212-0233 0710-0001 1070-8955 2631-8986 0212-0271 0710-0077 1110-0061 2670-8413 0212-7272 0710-7452 1110-0115 3222-7162 0214-1063 0711-0026 1119-2186 3250-7076 0223-0017 0720-0032 1119-9377 0280-0012 0740-0001 1130-0060 0440-0003 0750-0001 1130-0670 Nationwide CD RTs 0213-0046 0311-0023 0652-0475 1020-0097 0213-0937 0311-0026 0719-2322 1070-0109 0213-0943 0311-0028 0724-1292 1113-0088 0220-0084 0441-1544 0759-0272 8000-0011 Attachment 3. J.P. Morgan ACCESS Online Hardware and Software Specifications J.P. Morgan ACCESS Online Hardware and Software Specifications J.P. Morgan ACCESS Online supports the operating systems and Internet browsers listed below. For optimal performance, the bank requests that the City confirm that its systems meet the recommended hardware and software standards. Please be certain you have the appropriate technology environment to support J.P. Morgan ACCESS Online. Use this checklist to validate your hardware and software. Technical Requirements for J.P. Morgan ACCESS Valid: as of November 21, 2015 [Supported Operating System and Browser Requirements FMRW— Window Windows indo� Apple® Apple® OSX® OSX® J.P. Morgan (32-bit and 64-bit) 8 8.1 10.10 10. ACCESS Applications Internet Explorer® Firefox® C Internet Internet Safari® Safa J 7-33, �32-35� 38� � Explorer® 2-35,38 Explorer® 9 10 11 1 38, 40� 4& 46 10 11 V8 v9 J.P. Morgan ACCESS Applications launched from main screen Statements Administration uum=���=M •ppo J.P. Morgan ACCESS Applications launched from "More Services" Recommended: Windows® '7 and Internet Explorer® 9 File Warehouset$ wum=m=�=M I mun=MMMMM Continuous Linked Settlement DebitACH Direct Mandate Global Trade J J J J J J J J Transactions Host -to -Host J J J J$ Online¶ Korea Online J Liquidity Initiation J J J J J J J J & Reporting Liquidity Solutions J J J J J J & Administration § Receivables Edge " J J J J J J J J Saudi Arabia J J Online 9 Security J J J J J J J J Administration Supply Chain J J J J J J Financing Third Party J J J J J J J Screening Utility¶ User Setup Forms J J J J J J J J * J.P. Morgan ACCESS Checks is also certified on Firefox@ v32 and Chrome TM v37 t ACH File Warehouse, ACH Services U.S., & TPSU are also certified on Adobe Reader v12 and Firefox v39 * Host to Host Online is certified on Firefox v37, v38 and Java 8 update 65 § Liquidity Solutions & Administration is certified on Firefox® v17-27, 34 & Chrome v39, 42 V II Receivables Edge is also certified on Firefox v37,v41 and Chrome v39, v42 ¶ Requires Java TM Note: The browser must allow cookies to be created and retained on the workstation. Additional Requirements/Recommendations Other Software Adobe® Flash® Player: Version 13 is recommended. Versions io through 14 are supported Adobe® Reader&: Version ii is recommended. Versions 9.3,10.1,10.3 and a are supported Compression software (e.g. WinZip&) may be required to export reports and files Microsoft Excel& 2013 for export of reports data using "CSV Unicode" format. Microsoft Excel 2007 and 2010 are supported Oracle Java Plug-in: Version 7 update 71 or Version 8 update 65 are recommended. Version 7 updates 1 thru 25 & 45 thru 71 and Version 8 update 11- 65 are supported Note: Flash, Reader and Java are available on the J.P. Morgan ACCESS Download page Workstation Memory: 4 GB RAM or higher is recommended, 2 GB RAM minimum Disk Space: Recommended: 1oGB free space available Monitor: 1280x1024 resolution or higher, 16-bit color or higher is recommended. 1024x768 resolution, 256 - color minimum • Best Practices: Use a workstation dedicated to internet banking (not for email or web -browsing) DO NOT use a workstation shared by public, such as at a library or internet cafe • J.P. Morgan strongly recommends that user workstations be regularly updated with Operating System and browser security updates Regular virus scans should be completed as well J.P. Morgan Cash Reports, Payments (Account Transfer, Book, Wire) Approval & Release and/or Trade: ACCESS Mobile • Apple iPhone&, iPad& and iPod touch& mobile devices, iOS& 7.o and greater • AndroidTM Smartphones and Tablets, Android 4.4 and greater Email Filtering J.P. Morgan e-mail domains should not be blocked: @chase.com, @jpmchase.com, @jpmorgan.com Network Proxy The following settings typically apply to network based proxy solutions and are not required to be configured on the user's browser settings. To enable connectivity to J.P. Morgan ACCESS, please configure your network proxy solution to allow access to the following domains: *.jpmorgan.com *.jpmorganaccess.com *.acctmanagement.com *.jpmacontent.com Attachment 4. J.P. Morgan ACCESS Online Sample Reports 1 Or TREASURY SERVICES F-4, - :,.�J�F� rr°P`INra+Vrr J.P. Morgan ACCESS Sample Reports Guide August 2014 ].M, ry-31P �Llpvv.C_ ��Cl r��Al�J ='SR. f��9ef 2 2? l 16_ J.P.Morcran �nihy �Np� �f Fr: Aye ......._ °m�.s�, organ11?�q raviarg� Ufa: g qr. }�%Rr tE 15g7dy�"Wy -__-- L�4 r�vrnvr°le�k °s•'ser D '.eeq �drrro . - W'�` t,a��°'cMae g++rr m� ,44s no�cR• ��Cy T98,8 +o. ra47 Tay T7! 4cv IF 121" im J.P. Morgan ACCESS Sample Reports Guide August 2014 ].M, ry-31P �Llpvv.C_ ��Cl r��Al�J ='SR. f��9ef 2 2? l 16_ J.P.Morcran J.P. Morgan ACCESS' Reports Reporting made easy The ability to share Information quickly is critical In today's fa5t-paced bu5lne5s environment. J.P. Morgan ACCESS" provides a powerful reporting tool—one that delivers timely, accurate data through reports that are easy to create and review. You can analyze and manage cash flow, select the information you need and present and schedule reports from a single screen. J.P. Morgan ACCESS Reports are customizable to fit your needs. Manage reports quickly and easily to save time J.P. Morgan ACCESS provides a simple way to manage reports. With just a few clicks, you can see a high-level snapshot of your balances or a comprehensive transaction history. Design reports to deliver information you need when you need it, enabling you to save time and make more informed cash management decisions. Designed to work the way you do view balances and transactions your way through J.P. Morgan ACCESS Reports' comprehensive and customizable capability and flexible features and functions. You can now customize and schedule reports from a Single screen, view your check and deposit images with corresponding transactions, and organize accounts into groups. Customized to fit your needs Select a standard master format to run a report or tailor the report criteria to view the exact accounts, transactions and balances that you need. You can then share your customized report with recipients of your choice or schedule report5 to run on a recurring basis. Nine master formats form the foundation of the J.P. Morgan ACCESS centralized reporting capability. Balance and Transaction, Checks Paid, Controlled Disbursement, EDI, Regional, Returns and Exceptions, Wire Detail, Payment, and —emplate. Each can be customized to create reports tailored to your specific criteria. lC.rr.�grhr�-My.FrF�nF,q'� � F1�y,oF � igFe�dr� R.pe.S Rh LFVO7 *lYr FlpVl }'� C#�FPa1�F,RMR�[e4 n 'Ea�Foe� • ReWh�4ep�A REp9RtS J Gi9.FJ �M Y04RV ppFa iSwH f/ di4F -J Fw U —I mesF W— 0cewWap.sagnw+a a• (,I FAIRpbn `= I e*.n Nau ,woo n..emrr � ' I P14M7�5rF 7noNl Y�4 FK�C#-0M1i+A p KdPYf Examples of reports using these standard formats and also customized reports that have been tailored to show more specific information are provided on the pages that follow. 1.P.MorganACCESTSample Reports Guide CHK 49.}4 ►d Gil ev {] CFFn 0" Rs Frig I aW tM II{JR' cao *r For GAY 04". W L. m c1. CM4 Oram FW FAH CW iwrvwrF'►r Vii, � +>RtC Examples of reports using these standard formats and also customized reports that have been tailored to show more specific information are provided on the pages that follow. 1.P.MorganACCESTSample Reports Guide N Table of Contents A Quick Tour of Reports Nine master formats form the foundation of the J.P. Morgan ACCESS reporting capability. Each format can be customized to create reports tailored to your specific needs. Balance and Transaction Includes top -line balance and transaction summaries, detailed transaction records and time -Specific data. Available for current -day, previous -day and date -range periods. Balanceand Transaction Account Report.......................................................................................................................5 Balance and Transaction Summary and Detail Report ................................ .............................. ............................. ....G Balance and Transaction Summary and DetaII Report with Originated AC Item Reconciliation.................................7 Balance and Transaction Summary Report ...............................................................................................................8 Balance and Transaction Detail Report..........................................................................................................................9 Balance and Transaction Location Report.....................................................................................................................10 Checks Paid Includes detailed information about checks paid by date. ChecksPaid Report Date.................................................................................................................................................11 Controlled Disbursements Provides interim and final presentments and funding across all or selected disbursement sites, off eringsummary and detailed information. Controlled Disbursement Summary and Detail Report................................................................„...............................12 Controlled Disbursement Summary Report..................................................................................................................13 Controlled Disbursement Detail Report..................................................................................................................14 EDI Provides detailed remittance and invoice information for electronic receivables or payments for a specific settlement date in Adobes PDF or ANSI X12 820 formats. EDI Payments with Invoices Report ... .................................. .................................................................... ...................... —15 EDIPayments Report.......................................................................................................................................................16 J.P. MorganACCEW Sample Reports Guide 3 Regional Reports designed for specific regional branches and their unique information needs. only available for Asia based and other select accounts. CheckStatus Report........................................................................................................................................................ 17 CheckDraft Collections Report................................................................................................................................18 DirectDebit Report...... ... ............. ................................ .............................. ..................................... — I ... I ... I I ..... .19 PostDated Check Report................................................................................................................................................20 StandardCollection Report............................................................................................................................................21 WithholdingTax Report............................................................................................................................................22 Returns and Exceptions Provides a detailed view of your return items, including check returns, ACH returns and ACHNOC. Returnsand Exceptions Report.....................................................................................................................................23 Wire Detail ' Provides incoming and outgoingwire transaction information for Fedvwire, CHIPS, SWIFTand Book Transfer, with complete advice - level detail. This report is also available by account. WireDetail Report by Date...... ............................... -- ........................... ............................... ............................... ... 24 Payment Provides payment transaction {wire, ACH and account transfer} information for current, pending and completed transactions. PaymentSummary Report............................................................................................................................................25 PaymentDetail Report....................................................................................................................................................2b Template Provides payment template information for all payment types by account. Transactions are displayed for each account separately. TemplateSummary Report.............................................................................................................................................27 TemplateDetail Report....................................................................................................................................................28 J.P. MorganACCEW Sample Reports Guide 4 Provides a detailed view of balance and transactions by account. ABC Company OOTran AC:7Vntaem.;mTewIOesvr ig-Orf Fm 0—Mlmn plxpo5C My kidudm Credrb" Debrm for •Li T+m._wap. Tyro, A,x' rm,a YO -V Cw3i QWPIwM Aar Neme: A13G COMPANY 4=Hum Obb=123R123 TYan. DAY V"M Oso DKupllon O4x16201t 9AvaLWe WS= 1t 6AR62611 04462011 pUMM1+ OAMritii 0446r26+i 0412.6QS1S O4r1G2611 641A614 64�O11611 64811481! 040VAO FEMRE Mal' SOOK 1RANSFENCRWrr FEO Wft Cktut Fib ME CREDIT M WIFE CRkOIT 9oW TRANSPER CREDIT C—Y. USO V S Orgw. 2-M. 114 84 LAI I" Mona Cisk"M Re 6W* F40- CM61 Amount ABCOF11AUM BB76StWTAB 1 Dar Flea! %YLoitIOM 65705492100 1,d10:5 CCF A76 A6BANR B07K5&V$AAN ?*WT 77 ASBAONK 167W.,WIFF 339.400.50 OISANK - - 09765432iCF 491.57545 XYZ COBANK 2117115 4 3 2 1 OD r1K 147 72 1 JTMorpn TrORWCUW Oale p4r?g,Rp11 Bml JPA mw Chime B-6 IL A. LM%L rlpdWed 64x17+21111 04:34 AW 11oheAffara6 Bilow� 610,729 06 1,419471177 i786.747.72Y 1T05,437A7V 7.7462E ]90,546.75 642,416.46 1 A78.864.12 TW.M 2-M. 114 84 LAI I" Mona s ri�m9 + AC+n 64r46TmIt CMorg I."W 1,4M.M.t2 C*%" A.9al. 1,456.4154.12 1 Dar Flea! 0-66 2• Day Fb.l 6.{16 End of Report Balance am Tnmsatian Repro Account LiP+Yvo on a4re7?01t 14 d4 PM EST sGMi -O5 Dui J.P. MorganACCEW Sample Reports Guide 5 Provides a summary and detailed view of balance and transactions by date. ABC Company Ba19Me 9hd Tra,,"gfl n Summery and DaUd R WN Far.n/mn n pwpD�.nlr .. IrOWes C1edM and Dbeh Lpr Rep -A Sffdml a AI t- Tgjw rNIO" ylarxq/ K 1 Tegft%-X d OatO: 04rW2011 Ao[t Omu0 Wnt=WOXra1i0n7 Credits Tran 0I11a WW Gale CVd MWRW O.aN PAC A4G Naw AGC Gt+r Wty 7M W 041Mi201 t 04888011 BOOK TRANSFER CRED1f ABC OF 11N4Pt5 987654321AB -1w.74T 72 16'45 Ptd Wh: JFMprgdn Chu B-nL NA kd Rum L 66UW123A123 Ctw Ky 1134 V 5 O mm, YOUR FIEF ASC OF 2147485 L"I Uod.W. 04Q?12011 U YL AV Ladgw Sx" DRY Next CIA? ] o, Mwe Gaya pppdr� 618.779 05 816,72905 9.00 000 Croglls15.[ 7_236,711.84 Z,;!3ey.T11.84 000 0.00 Dow'.111 1,413,474,77 1,413,478.77 000 000 CMta+10 1,438.804.72 1,436.96417 1).M REMARK 3-/WMAKY a GTMR eyAP9E9 REC GFP 01294.587 AVG CLUSNG AVL 9A.L PREY MNTH 048W801I 04882011 BOOK 19ANSPER CREDIT 1172 QF 11 M4026 087%.w1CD 1X1035 1,50169) n &slant -end Tarts-om Report . lj m rf end VOR) AVG CLOSING AVAILABLE HAL MTTI Crowed as Wa7R011 12'20 PM FST 00.416 W1 1 08a 027 HO papa 1 at A AVG CLOSING AVAILABLE UAL VTO i,Zi].531.1e TOTAL FLOAT 006 A6GRE(WE. FLOAT ADJUSTMENT 0.00 CLMNG BALANCE - a. GAYS F7 T 0.00 OPENING ON 0+2112011 1,43!,964 12 TOTAL INCAMING MONEY TRANSFRS 7.2W11 84 TOTALOUTGO4NG MONEY TRANSFER 1,41 AM.r7 1.P.MorganACCESTSample Reports Guide 6 Credits Tran 0I11a WW Gale CVd MWRW O.aN PAC IA'w111{"uW 7M W 041Mi201 t 04888011 BOOK TRANSFER CRED1f ABC OF 11N4Pt5 987654321AB -1w.74T 72 16'45 Ptd SM STRAIGHT YOUR FIEF ASC OF 2147485 REC FRONS' 960000030001230.5 DIJRJFKJO NM810 KFK NNW GOI.FDKJ BLFDWt NGH IO REDIA NOA PVIVEN MONKE CARLO FIRE. ISSLANO KJGF 0111 BLJGIIDL SVOIFTIP AKDAOCUNI R O CUSTQMER lCO48795432188785A92 S 1411 I lV1 Ll1GiF RIC FE SOFIU SAN OKOF1VV UMVI NO 2 1PIFR+ IJSMJE MORACCCE XIFDV OFNI ,VABo999019v901 7345 REMARK A04AS4,V 1 MDFUU5040.40 REC GFP 01294.587 048W801I 04882011 BOOK 19ANSPER CREDIT 1172 QF 11 M4026 087%.w1CD 1X1035 41817 AM &slant -end Tarts-om Report . lj m rf end VOR) Crowed as Wa7R011 12'20 PM FST 00.416 W1 papa 1 at A 1.P.MorganACCESTSample Reports Guide 6 Provides batch and detai I level information for originated ACH transactions (Please contact your J.P.Morgan representative to learn more and to be setup on this service. Provided this service is setup for your account, user will need to select "Include ACH Originated Items" in Additional Criteria tab in Customize Format/Modify Run). ABC COMPANY AU aalues amsut;ed 6aveet`hDr. 3d adustrr. . BaUme and Trans 1w #tepM- Sumnary and Dotal Trarmcwn Cie: OMEOD14 Ama-intName: ABC ACCOL F DESC DATE OFFSET Amount NunbFr. 00 "1234x6789 ENTRY CLASS : CCD C+r--y LM - US ddlar ENTRY DATE 14M Barg: 12345371390 -JP Drgan Chase Bark, N.A- IND NAME EFT RLE NAME ASOi2A OOA4PANYDATA. SUMMARY Ledger same Day Next Day Oi--hg 0.04 0.00 0.00 CYedits:(17) 5,820,579.60 5.820,579.60 0.00 Debits: {2} B.B20.579.G0 5,13Z4 -M.60 0.00 C-19 8.00 4.04 0.00 SUMMARv OF CTHER AALANCES .AVG =&NG ALL BAL PREY MNTH O-0} AVG CL1C151NG AVPJLASLE BAA_ MTD 400 AVG CLO&NG AVPJLABLE RKL YTD O-0} TOTAL FLOAT O -4D AGGREGATE FLOAT ADJUSTI ENT 4-U} CLOSING BALANCE- 3+ DAYS FLT 4-00 OPENING ON 43'%'2014 0.00 TOTAL ACH CRED%7 4,071,99231 ACH SETTLE74ENT CREDITS 1,~22,1375,33 TOTAL INC OWING MONEY TRFNSFR" M.7t AG ACH SETTI-BENT DEBITS 222,62756 TOTAL ZERO BAL ACCOUNT DE&TS 5,597,952-44 Credits Tran Daw YalueQdp Dew"- CuskwwReE Bw*Ref- CreditAffum 03,1 ,'20:4 ACH .SETTLENENTCRED! 123456789 122.%78911TC 1,383,082.11 G300D:4 OMG CO NAME: ABC OOMPANY OFCGID 1234567890 DESC DATE OFFSET ENTRY DESCR: FUEL IFN. ENTRY CLASS : CCD TRACE NO 0 1 23458 788 1 23455 ENTRY DATE 14M IND ID NO t234567690 IND NAME EFT RLE NAME ASOi2A OOA4PANYDATA. {23k%ABC12A REMAFLK 97. ACH CREATED OFFSET FOR ORIGIN1f123456ABC12A CO EFF DATE W020)5 Camay pare Cwpmry ID Entry CLS ABC C'4NPA9f s2345G769 CCD 39 Sar* DFI A x-Dwt IND ID No 12345878 OObb2Ct8MG67 1234578 8765432i OObb99987123 B7f54321 432551D2 00bbM12W7 01287654 0k2654711 OObUX934766 12312362 C—Parry EFF Bary Bach D-oipb- Babe Na ber FUEL INV. CW51'20'4 4004001 IND mum Traoakffrber ARCD CORP LTD 12346678MOD0126 FDOD BEV CORP. 12.466783D000125 MINESS 123 1234567890DD4124 ENGINEEL' NG CO. 1234657290415123 i.aa Updated: 031 2DI4 43:13 AM CDT 2 Cr Maio avys 004 0.00 0.04 0.04 REp rl Time 4242 AM BW& AmmLnt 1,363,482.34 I6eia ArraLrrt 541.861.113 =27.56 7 G5,427.20 76,920.73 J.P. MorganACCEW Sample Reports Guide 7 Provides a summary view of balances by date. ABC Company alamm anol Tra-snow $ummaty Rapovi F. e—h-. pp— nU, AW Group Wnt ong OWXW. A= No.* ABC Comp" "NwNi ObbMW21,4tM QWWKV tP9D U & DOAK WOAL�Y - ------------- -- ---- -- ----------- - -------------------- LWW nwdC JPN6WWW Q— ink. "-A IT91 0604% 15S i.215,111•drd Deb6 NW V" —.00n9 - - - ---- ----- ---- --------------1a9B,904 IZ--------- St0^VAVGF0rHEFL6A1ANM5 DAD AVG CIUSiNG AVL BAL PREV MINTH a p6 AVG GLOSiNG AVAILABLE RAL MTD 1.41M7fi.1$ AVG MOSIHGAVAILMitf KALYTD oft T{ MAL FLOAT 0,00 ------------- AGOAFGATF FLOAT AWOSTMEW f;LOSFNG RALANCE - 2 - DAYS FLT 0FVN14GON04f2rf20t$ TOTAL iNcOmimr MONEY TRANSIFIRS TOTAL OUTDOING MONEY TRANSfEIR @Ww wid Trdrea�mon ReW -Summery Qr&mo an q4q?r)411 1;t a ;W F' W ir.W -06 *D1 I JTMorgan Trenucbm Owe: MW2Q1 I End of Report um tl 40 1.438.94 12 2.235711 M 1.41�Al6.rt ps" 1 101 J.P. MorganACCEW Sample Reports Guide 8 nwdC JPN6WWW Q— ink. "-A IT91 Last LvdmdHiL OWTMi i - 04:34 Aho son* son* DAY NW V" ------------------------ — ----------------------- 2 or Mare D" 614,129.136 O,ar DAD Zm 711 U a p6 0.00 1.41M7fi.1$ 0.00 oft 1,4Sg.9641? 0,00 ------------- --------- ti UD ----------- End of Report um tl 40 1.438.94 12 2.235711 M 1.41�Al6.rt ps" 1 101 J.P. MorganACCEW Sample Reports Guide 8 Provides a detailed view of transactions by date. ABC Company Bo19nGe and Tn3nGa� Dn 0157110 Report -' For nfrYmalinn p�Ipoeea wuy •• [TaLldit Ctedt� —0 OehAb For Report SV*W A. t-. r rpr F -V -p . ac — AW GI WO West oMr 9ye OWmr A= Nems: ABC Gprnpeny A,M Num O660005'P 412345 Gu+ Gy USD 115 D.4.r STRAIGHT Crf dllS T�011111 V0410 mom CM+a VoIn CAMW r RAI kW6 Met CredA An k 1A "I I rw6f 4111 aOVA TRANSFER CRWIT ASC Or 11rr}}r`'3 02E Y954321AB i17n .er 1l SAT: STRAIGHT roup REF ABC OF 1IA31FL5 REC FROM: 0000MO 00412345CURIFKJG WJ&OKFHNEW[30LFDKJ SAN OKUFI UV QMVI NO 2101W'WJE JHVFVIUNNY" BUUNT NGNID REDIU N44 MVEN IAONKE CARLO FREISS• 4AWOD0910" 12345 LAND KJGFOUI 8UGUGL 3wctlo ASCOA9CDa2t &O OUSTOMER PCDN165437196765-03211011 WZ LUC1F RIC FE SPF KJ SAN UKDFI IN IJMVI NO 2 1 VFW ISWE MORACCCE %IFOV PFIVWAH0D=tWW19345 REMARK IUNCXU42 I MLIFIJNSD10.00 REL 13FP: 61234567 W.104101 T DvjaQ011 ddf�fiflOis D475fJg11 aOC*t T"NSFERCREWi AW OF ii)w21i 195785A'J'd1GO 519 STRAIGHT YOUR REI: ABC OF I IM425 REC FRAM U00DCWMDD.23A5 pURJFKJG NMrAt IK; NEW GOLFdk.i JIfh1 VIN RE[71U UOBANK SELWAR E CO 54327-D447 N04 "OVEN MOHKE CARLO FIFIEWULAND KJGFSIVI OUQUOL 497651921 ABCDMIQV3R1 SWIFT W. ICW96155432T96765432T 1011 "LUCIF RIC FE SOMI WO CUSTOMER: SAN OKUFI UV QMVI NO 2101W'WJE JHVFVIUNNY" TSV* 4AWOD0910" 12345 REMARK: ILINCrm4371IJ0FLWSp10OD REG cFp 012145151 1,310.25 FPO W RE CREDIT AIB FOUANK. 2997654321FF 1%QrrT 77 8FR STRAIGHT VC11R REF AB POBANK REC FROM UOBANK SELWAR E CO 54327-D447 FED[O 497651921 gra cubrovLR IA9sa765432s9873S432 T 1011 1AJZ LUCK RTC FE ROM REMARK SAN WWW LNVI NO 2 1?IFF11 I FFGTI14E TSV* HEC GFP 01234567, Ba41 mwd Tra 404 Repwr 0e Cromwodi 0010011 12 2B PM EST IGLU .pg Wj JI'Morgan 7rerr soot nbele: MMMI Seek: JPMDrg- [base Sank NA Lev Updalea U434 AN Tine 10:4$ PM W 31 AM W-00 PM PW Ia3 1.P.MorganACUSTSample Reports Guide 9 I Provides a detailed view of balance and transactions by location. ABC Company J.P.Morgan My l-Ztm Report TwSBOWD-le 051SWI t For P.IP-5 lrd.ip. C,&*b and D'bq. W Report 5.—U. M 7—n Tr - AW 6x" West Walt OVVr4lon6 AM NWrW AFICOOMPANY Bank JPMmgan Chao B", NA. recce Num ObbOW123412345 CWr"Lly USA U.S Do 4,11 kJplaa :O 20+x91I- 921M Aid 131,51317 Op W*V LO *W 131987 71 Cradles TAKG* yowopft DOW."m DONIDWIRO 904 RK Cnom An,m O&IMI WV4 I11 EFT CREW IM459moms 24-4 il U�WW21) I awlwwl, EFT CREDIT 1234567DWAO !63.81 "IM71 WWII EFT CREDIT 1234%7006A9 1,00.45 "111W$ 0yIM11 EFT CREDIT 123456700TA0 4.707 30 (WImli wlofkil F17 CREDIT IM4567DIIAO 6.7m.N Wt"T! gfiriw.mli EFT QUINT IR3412945670ww D_ 1m ON11il DY19mil ECREDIT " MUM7017AD V0.01 WISW" 0yIDW11 EFT MINT 1234SM19AB 11.m.40 0 ID"11 m"amil EFT CREDIT 12345871123A9 11,60 * V.161 T WI912011 WTMMT I ZU50029AI) -Al 11,W41 OWIwasi -Wigmim —EFTORED4T LR4WO3 I ?;a— 165.971 .77 Mimi$ D&IWMII — -- --------- EFT CFtEJ)IT — ----- -------------- — ------ ------- 1284567WA8 - ---- ----- mma 06 — ---- ...... TVW cmdft W LON"m !rope wm 12ftm 466-08295 OWW-F $a .... .... 12345678I6 21.11109 Tall C.OdA. k? 1. whore iS ... .... .... .... ... Idem . ... ... ....... 21.W.0 ...... Wim"11 WI$Lrmlq ... .... ....... . DEPOSa ......... ............... 14 .. I ......... 13114567021 ...... 1,68653 . .......... I 70WQVft79FL96W" " I U. ------ 1AW5b ....... O&IMOT) OW100111 DEPM Si 1454567632 IUM -00 -- - — ------- ----- TOW CmM IN LOMM 22 -- ------------------------------ ----- 1 "m -- -------------- 12.060,00 Wmoll Oywmll 13EPGS,T 30 psumvm &10-0 OWand T.nmah- an OS20MIl 6117 P4 EST irW .00P1 P" i dy J.P-MorganACCESTSaMple Reports Guide 10 Provides a detailed view of checks paid by date. ABC COMPANY ChoCkS F-ald HOPW DIIO " F v rt, Y .! �- r L -,'! " '-� n , - flap— Seftamp SW Ordw- JTMorg-an Tff*rdww2jw 0": 0214XI2 ea-, JF%kx3pm Chow Bwwk. A 00 aco Nw-v "c compmy .4x wgrWws ZMA4 - 04'TAu I$* A"- N.,;- Obb23AW7 CCY USID Ai S cow Qt AffAwd check "Untm Bw* FWww000 WW"10 M=AM '4W4K7'$X WJW2" =42W IWX245-0 MrVZAVA Total ChnpWyed ma's 2a Um Total 2$ Uso AA nailml 70taft low OMORY04 5a1 2Z USC TOW LISE End Of Report C'N"don V,&w,ICa.-Q;UGOT P-91 J.P.MorganACCEST Sample Reports Guide 11 Provides a funding summary and details for controlled disbursement accounts. ABC Company 3 I ARMOr ars ramoolled C.ahurswumnt 8urnrnaryr and C* W FbWW -kd IftW% Ye LIMrR'J 1u IUACYA--,3wlr t LF '- TAFAAENDI Ewft. Wf3TIHI1 SM 0 -Mr +k1r.MI Der.—Mg 4wW AMMnrgsnChar ddrrKA. ( i} 9LW&FQRffNTMLW Ac� r~ ftM LWM QG+KWawR —m*- Mage, COMPAM LA&up*44m 64armi-i. 1a44AM kMkhw% dbbWOQ34123 MY L186U5 P!A- tbibwRY , N56M■ Aq-p A To LW C?*LH P-iwan•1 F.til Ghucb Wrft-hrwd SZ6r* chew* P�bi�.4nl WEIJ.[L­aIrrL"M i [O-eti rk L lec•a-4 I,s sju- a Tok V* flw4r W Inv A*T Lad rn..IMhT. h #rrlk]VN Rnm-rA-41104M w H&E" 1} .... ... Cwaw+•PS W A~ 71 L;IJQQS 47 455.k450 ?ZZ34 V 5 4n A7 41 702311 M 1 1 OSF got F1 72334212 7.3M 29Y 42 722M317 r.irf.3nb is 7.2!"549 1 A PRA5 in 7723dm w.G14[rdM res u MOO 33 fi4234= 77".44+ Ir 73234411 AQ "S a 73--;4747 519,1 TQ rJ234N i KM MA sn M234SR0 IN 115451 743 171 9th 33 74234#N 1 W tM e5 FQMRq+ NIXM1 A FALW213 I WTi,l4 74z3jjtq7 tQ9mM +6 712M5AQ 1043M 13 71ZAI'3 toowi Q$ 71234729 4y t7i 49 r123431 6},�2a w f123d0vt 7E.51� �1 P122+10M TI h1 M F12MW f 5 Ad t) 7i&M141 Tf.eU2 PR MUM 1iM210 M 7023"17 po.72013 7?iM4549 W.Wii W i tV4= 47 AT5 4A 7 YE14M7 U M 71 74234111 OA,551 #i n23043 67 300 49 "rM4 10d at w is M234M ao 9A M aYwaro9lyd'W --W Mw- -1> —MVY ++4 did GrFeIA.1:in bk2YMgl 1IL2L Pkr EMY 0"r.*j UqO 7000 ib,33l,7" n 3DIW A9 331-W O& t 1 JW 24 2 GA 11 OLM G �1 �i.7t7Fibk � u49. .,.. 1.P.MorganACCESTSample Reports Guide 12 3 Provides a funding summary for controlled disbursement accounts. ASO Com pony A'W rgaii Cantrnllo-il Ws4wrwFrw K Summary RpPwi - k -Lewd Is AMYL TFPrNmAim OM: IHIM02M &+yxmftqw GMFb sheL6. RL FIk0LL PR,. NTIJ UT Baer peyya VrMH Ctw k Qauilx"* Am km AM CEWAKY !W U19114H. #47141 k - 14 do 001 #CC[nrr QGtUO $ZW1ZM5 cG* i$wgj-1 00W f�.plt"" • hams err Tal■I C.hw4 PruuiYd ;!RW g4-V*3i439 F -14d Chrb PMPWIMrrM ' , Y 4413FMJ6CB Sanwa orreh F7apWMW 1 1 114iO74 rer A�,rlmrrrla J Didrr�i ! PTP E■MEkdhVdW Ti+i.rm,.n■ 4C■1 rAW•,p L m}n a q4 4 dM EiVFs'r tr 00 uw, Oar L.kf P w*r—d Ei 04 dr," R.gar.r4nt Ak Ot Iltad Ajo - • — JPMDRCAl4 C HASE SANS NA TOTAL MAL FUNOM . p•IRTAW GkANd ICTAL FWAL FUNOM, DlfiTri0s1 hams Awsrrt Tal■I C.hw4 PruuiYd ;!RW g4-V*3i439 NO Uh n Prk2trn1nw1 ' , Y y+kZ.-T NE 05 Srro-c Ll --LL Pn.s4rs1-6 I i NiO N a&" 01 wa r r CA h— 2 070 PbmFJW.mV-Tiw—m o. GCA CTW,-.p 6 .ew. PCG `..i Pr Ela42Peh 606 rw. Lop P-4—her— L) C* dr," R.gar.r4nt Ak Ot Iltad Ajo 4AIn.7+ 14 GkANd ICTAL FWAL FUNOM, DlfiTri0s1 End OF Report CANdrniad Gu,r3emnl E1rµA5 SLmomn E7h4"ah C477+?6r11 ?3 Pei EST iGurA#Ool P:pptpt J.P. Morgan ACCESS' Sample Reports Guide 13 INV-* Air TUUI CrYnkS Fr�rCiFd AA MW 7f F*51Ch&3.O`n5mbrw 3?U 44J-)fJeO0 C -X p*■■er+TAery I 1 bdG J4 "6 .slnwfh 10ner■ 2 6 rD Hn'Lw.a3-iC IIAKILMOn■ 606 Open -V L" 606 `..i Pr Ela42Peh 606 Pio CJry Lao NoAmipima 000 Fia"No R+gr. NhmW k lye Or i#.4W AY 44 U*.IPU 1* End OF Report CANdrniad Gu,r3emnl E1rµA5 SLmomn E7h4"ah C477+?6r11 ?3 Pei EST iGurA#Ool P:pptpt J.P. Morgan ACCESS' Sample Reports Guide 13 3 Provides paid check details for controlled disbursement accounts. C -0-1400W fl$jw U Tru.* Q* -:�� 45 yr..-...- *a.5WRYhr,i4Timn.r[fiax Tiarr- E FUM141 . rrp .ft—n In pr T—I ivy. 3rriUr1w. fix.+ 4wk-d-i M&* JMM9ffl9r^ CKM* iww i1A rz4a�p 1'14+�+u�1�w11k�++ -Yt ABC �M1PM. Y L�lkd�rEkf� J.P.704M ' C 1411 �nwld 77�IC+11Y 12i5i �i8 � �3+G10b d,1.1p�2 n 7�f$� 4 05P.5➢0 T� 7a4M20� �.bkka'hq � � iiG7iF r iltgP&44 722b{E0P IAT# 64 0 7234M pi5w *3 72pen T7t am eT ?M"O 4*.44e as PM4411 �}P I rid +5 72w:? eft M4 511 7dj6W b Lie 514 4 7zkokd 41. fiMM4 4EMMs 114 556 Fb 72340M 419 am it Mum? 11OL3t670 7316F& Ift"a 41 7.1301D WWI 72B42?0 IMe2+ 0 72SA02i W M44 72240M Ulm di 7234M 76 51 J 5I 7ZM&4 71,A7d 01 727+195 Ti M ilq ?23194& IT.*" 31 7.lj4w7 71 i1gI-M rzkm 70 lap O 7W T" 6F w4p 7254= OtAft" 7'�'°4'tFY !w WYF 71 7184 hR O 108 4p 7YJ.� 41.4b1 i4 ?22.= 72"M 77Uii67 MM 4b 723*= 341710 >2 W 4W 773AW 54 X)48 r 4!.-0FtO no TiMM 17 54 169 75 ?214M 4b$WT .284444 44 1-01 ra 7274CM4 w.w Yy *do OW M ruy-y-g41N1w-*M LirLN"" 4t97+fi751 LdiNAIM MorganACCEW Sample Reports Guide 14 Provides detailed remittance and invoice information for electronic receivables or payments for a specific settlement date in Adobes PIF or ANSI X12 820 (text) formats. Cash Reporting -- EDI Detail PVT TEST COMPANY 2 Business Date: 25?09M3 Informational Purposies Only Account Humber: 0000012bb00 Bank: JPM organ Chase Sank. N.A. (IL) Account Name: ED] SPECIAL REPORTS Sample Company * • CREDIT AMOUN2: $9.600.93 DATE: 09/25/2013 WETRMC ACR CCP • REC9IL'SR- ABA: 123456789 ACCT: 0000012bb00 • SENDER- NAHE;, Sample ID: 3456789123 i ABA: 123456789 ACCT: 0000012bb00 PAYMENT LEVEL INPORMATION ----_ ' HOTB: ZZZ*ACE TRACE 1IMMER:11190902518xxxx * NOTE: ZZZ'AC8 COMPANY ENTRY DESCRIPTION..-CREO CARD ' • NOTE= Z82*00015658sxxx.SD:93600005009zxz NAME-SAXPLE CO 400000000000 • TRACE: 1*9340000500xxxx7*621114xxxx' 110000000000000900 • REFERENCE: HT*88B8888 ' • REFERENCE- 7N*1116000251xxxxx*TRACE NUMBER FROM THE ACE PAYMENT • DATE/71ME: 009*20130924 * NAME: PR*Sample Company_*91*62111xxzxx • NAME: P$ -Sample E mpaa 50095xxx•91'934000¢5009xxxx INVOICE INFORMATION DEBIT AMOUNT: $1,7{:1.6+1 DATE: 09/25/2al3 METHOD: ACE CCU • RECEIVER- AEP.: 123456789 ACCT: 0000012bb00 * SENDER- HAKE: SAMPLE $EMS€I :ID: 3456789123 * ASA: 1234" ACCT: 0000012bb00 ■--- —_-----l---�-- PAYMENT LEVET. INHLIRMATION r * WITH ZZZ*]IC& 'TRACK NUMB6R:09131052004xx= * NOTE: ZZZ*ACE CCKPANY ENTRY 0R5CRI1?T1GN:C17JX FUND * TRACE: 1* 09131052000xxxx*190003xxxx•SAMPLES S OLE TRAMS * RBFERt3NCS: 5T*8888888 * REFERENCE: T7i*09131052000xxxx*TRACE NUMBER FROM TSE ACK PAYMENT * DATE/TIME;: 009*20130924 • NAME; *-------� PR -SAMPLE BENEPI'91'190005xxxx - --- TWMTr2 TV-.Y1UV3TTnM — --- — * ' SHTITY: I ' * MI*PE*3*SAHPLE COMPAM PC*****911HM130063XXjM ' NAME: P8*SAKPLE CMWAICY NC*91'EW138083xxxx • INVOICE: $0.00 DISCOUNT: $9.00 NET: $0.00 * IR T: Tri *051310520CU=z 1.P.MorganACCESTSample Reports Guide 15 EA I Provides summary remittance information for electronic receivables or payments for a specific settlement date in Adobelt PDF format. rapdrT he Inkmwb n Nu pxw G R Aewum hUrrw' ABC Corporation Aa�..n Fiar6iv 0000012bb00 Ea Lk 07100001-JPMorgan Chase Bank ABC CORPORATION vreradegal. 1LdA 27 -Wo -"2 UA-JPddftl Q?-Y0wxnI CAM AW E87 = AM=: 197_3€ DATEL W27�.ML 3=M! ACR MEI + ' A7�y M- M24 12345678 ACCT: 0000012bb00 + ` 4°=Ate= ABC CORPORATION ID: 3456789123 ; ' 87654321 ACCT: 0000012bb00aN 4 + REFTRBT9K�! rW61313 600*0130DG0MQDgDO + ' DATErT=., D%1120.21122 # PH - FrR�ABC CORPORATION ` ' KabE: F�XYZ INCORPORATED + ' NIM! FZ'=Z INCORPORATED ` ' fMl:'7T AbnMT; $?i.ZZ4_93 LA72-L 1112WMD72 }MTrTOD: AM CCR + '-B�' 12345678 ACCT: 0000012bb00 '- ABC CORPORATION ID: 3456789123 ` '�• 87654321 ACCT: 0000012bb00 ` _ --W _ __ __- � L'+IYpILRI= llfiYGL 1NiLl UJ7IL'C 14� - ' F-c2aRJ=N�'_ SJ:•fl0{1000OD0846T1�J0000'0D + DATEiTn4 f_ MFJ7 of211177 f ' : 1%*ABC CORPORATION ` ' EME- FX"XYZ INCORPORATED ; KANE—, FEkXYZ INCORPORATED # ' .^1.Fr.=T ANCONT= 922-zID-12 nA;€: 11J27f26I= MrTEMn: ACEI T.= 4- ' F'F--Z'Va- ARz, 12345678 ACCT: 0000012bb00 ' ' .=-ZP- PIAME.- ID: 3456789123 # ' ABA-' 12345678 ACCT: 0000012bb00 ` +----- --- -- --- .ViYFa'C Cc7E_ TSTl10R14LT=ON - •+ * TrNACF3t04a"U 5-30D73;S3A4 ' EaPEDPJ=_ C1L+80D08 E9333 ' DATEerME: 097*20121173 MME: FE{XYZ INCORPORATED F92i00T49355I i ' fh�', �•�= TC{XYZ INCORPORATED } R�! tea` A:1 SLE.#3.4, 1E1I� IM" 'ITKIOCDQ013WH30 Ir llfi7� .v„ ffM r +4µ =3( 12345678 ACCT: 0000012bb00 ID: 3456789123 12345678 ACCT: 0000012bb00 + «-- ---__----- - vier IZVE; IErr; MaT709 REF?FJ314--Ea *:' 00970019• i • DAM• TIh�= i '-}61 1173 ; ' ==• XYZ INCORPORATED +32*DC1493551 t ' rMLIfTt,.^Ts . - XYZ INCORPORATED ITE- 08000V]C07 ' Deamd On. 25 -Au -'018 C9:3 AW Gkr+tGW r6A 1 u+B+ J.P. MorganACCEW Sample Reports Guide 16 5 Provides the status and other information for issued checks and drafts. only available for Asia based and other select accounts. ABC Company Reg,onai Repo[[- CMcu Suns Ched Tf as Aa. as. C—. %. D.ar,. C-- Chr:k IA 1hDd: All T..nlasserCi 9': U A— —p U+me..xaA— Ac�xn+w�.a. A54-C—P..7 03-0-i2 A44�'aill•aY+ ihh[[SSf [I[i1 08.0.x12 C--- 4 A710 A—d— Dols IS-m-12 $a- C -"M U6R, JPveym 04: 3a NA 6n:ax>r Addo-O T'....O lw D.. A.[wnai Do.. Ghali Tfpe B.*Ct—* Abn!79270 Clyax Swed Slee A.f.. fYaYr,e Chedh h'ratbc 2E29" 6— Dw: T—,—, Z69:130ae9100M V.L. D— C--,& 1dp i Imogf4R1712 p'v—Dat 4-410 Deiww U w Paf.1tl. Y Lour: i fi" Ia ♦beth Dae Check Tfpr Sam CR—k AW 27.80 Ch.k 71 - 6ia�ai.a..g W - &W.W! Clrsk N.raer 26977A L—Cee: Trs'� 17-081-tb VW-D.r: C—Rel. 1M 130G6696aL 13 SSro 0— A." d ea 17-U.14 Ddirrf i7.* P.faae a. LQU6A Ct-* k On Ch.ah Tfp. Err Ch.4 A{C6=.00 Ched' 0--rdr19 Check Wear 27a96a Owe Gan: Trews. 191 Q2291F91OGM Yee Glee: CvPN-t� RN 1G411E007E%Y1313 ffk DM A. j e::. G.n.a f o— Pafr.le s LeerNrr C1udt Cw R.Yg— P.—y CM9� 9suc C�amd Cn: !2-Nor-1SQ2:a9 GuT -D6:80 .1.PA9rnrgan LSAaa 04W aJ Preserved Da* Range. 01-Wa U - 17-Nor13 OM7004:awry Papa 6irak of A-- e+dilde �146�x spa AL[naea Cr_ CorSdenGe: ab 1tm-CmTnlenal Saw Vale L M llp�nk 2b t119 MIT ra11T+a69a Page 1 d 166 1.P.MorganACCESTSample Reports Guide 17 •6.— 6 Arspte Deal. A.f- hater: SCQTTL, Lr nR 03-0-i2 Islip B.V. -.0 C 4d..fa 0& 08.0.x12 DO—? -~ MAP . Mel v 0.4— IS-m-12 L13Yw4 81.4x: 0O'd..OF. +ZCCdMD" nz-12 A.f.. fYaYr,e PREKE LTG 14.ar1.13 J—Ay Salk: --C CrnAd—.L Fr 15.}8'+10 Tl.{ Wdh a MAP - M.J n Pq- 14l-15 20-4 6a..e: iq 43 dkr U6 dBC CMP.lry i fi" Ia A.f.r 11.m[ L�C1ii LTG 17,A1.11 W - &W.W! --C CWAGI M. No 17-7M-15 9rir W.0.4 H1W - M.4b R f- 17-081-tb WL.nj Se1w, #dbd ABC CamP" 17-U.14 Page 1 d 166 1.P.MorganACCESTSample Reports Guide 17 Xegional Report — Check Draft Collection 5 Provides the status and other information for issued checks and drafts. Only available for Asia based and other select accounts. R7CRCUSl – w .avec are .bre t 1e ra� and aq�nern. Rer.rW Report - Ch -k Drag Cc0e b z Ode Raryc 07f1Gr2013- OTP2WM13 Acc MHuns ABC C -W" im up,a Acmrra H1 bm M111111111711 07292013 004M INR IMPa RWee 1003 AM EDT BarIk CJ4ASBOMB-JPMvgw CI -M RN k MA W016W PAII00ces OIprM CMdL Y1r0k* CCT PayR Bark 109r 5a kL+9 AM -MM 53,W099 Ar MUM ET.00000 AMOWM INA Payer Ihr1x' DEF Company Sip Ilkep6e .. 4093CPf4unbr Omenier Rel_ TESTING2fi Hada 63MM34 Oae_ OPW2513 11w: Cwm co": TE5TC0 OM; Om?=13 Sam OPEN Piedncl TA.: MLLO L..d-: IWILIVE 4 Pkk up 0— 07(272013 Pick Lip PaiM Cle 9 Lecatlar MUM MUMBAI IRV— C.ed7 04M O7YsW167 i VA. Oak: Fh,k, l Reasarc 07MIMD13 Payor Baric Cama Bart Amam 1,11i3ON55 Arnout U2_4W 13 A.—It IHR P.m risme' DEP C—.W..y SIP NLunbw- 712903 N..b.. Cuwuner Ref' YESTP412 Muwbw 5124311 DM; oclOVL01a am- C6_9Cck TES= Gak= 074=013 Std— OPEN Prodia Type: MLL4 L..b. CALCUTTA Fick LIP Date: 07QW013 Pick up F*k CFL C5LVM9 LaMae CALCUTTA EipR1W Cram* Dri: 072Q201 q Yam Dais: Pam rr> wo'. 07MUM13 1leypni Repot -amid BrARcai*, pry Created 0n: 10-rAM1311:47 AM EDT Page 2 of it J.P. MorganACCEW Sample Reports Guide 18 ■ 1 Report DirectDebit Provides information about direct debit transactions anc the status of the transaction. only available for Asia based and other select accounts. ABC Company J.PMorg-an G^!49 raleY ei. s�.Lt![S t6.'.V'E[tlLtM1 anE ak.�snrners. •• � Ree ail PeW • �S DebtDowPdW ()af Cl— TfPH•1/i-- Oat, Tzn —,.s , Oat ❑eM Qq�f ONE w & Aec u w Apf 4. Paye "M bf AzS Stens: P.o[C:.Cc. RC ++rd. R, ---,d f. cby Yulo3 jc aM Aa Wd CM.x`.m keraJtx Gra* A— :.ccwai tis+�e ASC Comp-? Accenn tiw+W. tbbrpOp2^^o 5.*. CHASCH6S . Ja1Vu•gen L+kw Civ��Cv Ltl Sbe^9ha P.Oh a Name: *kjt,i�n Rlfa+� 0.nAa: ilY1S39F FrlL.� Ax wHua.b. a bG11. 11 Inn t1 L1 91 t.,t ti R.Jma.t A.A.— u■r 69 Aso TICKET FOR t7C C-wW R■Ipp.cr- 14)07092 P4 - t. AmmewiKfigai Sank 11YI11tAnt-k 1 A— Numbs. LbMsk. ll P.4) w Awk - 0.0.0 R■b.rrc Paf- n7nrs. a0C camp" Sant A.cw,. N—b., Ibbs t u tt LI ST C1.6— KAM— A WMW Rg—I -fix Dd.4 1Ya M Gam. Yak■: WScp�a 279000 Tianawwuwn: 03-4rp.i9 7Lwn7I■}� W3ap1} yaw. O'—sgs 1 S 66-0 hanae:sa's.: 0.7-Sep.17 PAL-JR.0- p1..4wla L—LhA.. L 26,0w$ :6:20 GM7 tO&M *ARM Aaaa I Rafe ftm w R.a--d 9001— R<kcad S MJ: Dobt ■uE. Cede " i.+uK k.ad Prue: O].SWI R*-ftd 9REJ: Ckbt Awh +6.9C 7.ammwc.r paSs■.7 a 0� • • u nx._ _. J.P. MorganACCEW Sample Reports Guide 19 Provides the status of future dated checks that are warehoused by J.P. Morgan. Only available far Asia based and other select accounts. ABC Comp ay —A7 x--:udi[:m ri4.—N6aauf.nerns. Re m-1 RwDn . Post Qaed Check 0— ry.r D.J.. Dale vale Daae 5 ltp Morgan D.sc Rvgc: 1 t.Nd..16 .11-M -14 paa o�sp./� any Maute ,keea,ne w s A—$, me,k k4'k ', h. k., ., -eft. -d Aue.fsd p.a ka Ateaax G -c. UJ p- p- A— L-Upd.We Ac Nlo- AN comp" 2,,"e 18 A -p xJclbn $bMI IM 1&.19 GW IM. -30 Cwrcnd: TN66rtn 9a*k CHASTMOS, ipumgu Cl— 9a.Y. NA Th314nc Ym. Da. 01-Awg13 AlnaYllt 133.00 Sm-- Caredied r.'4tl0oMC R.Oer.ncY: 6603 0— R.nk r D.'9�s.1��[h: JQk1�yM ChRSt 5-k. NA rb.L"d Om-lk cB mt Dry.vsil D.r. 0",Td R.F.— DEMTR P.f—N— POC r -i1 Ch.* Nu..bc, 1009065 V.P.. Dar: 01JW9.13 A-- 133.00 3rw: mC:uraad� C.smr..er Rekse.er. 6603 D— 0.4 r Q"-to—h: ,loy:~y.� Ch.s. 9...t NATh.Lb W Gsndc 067WI 0"..N C.k. G2.I.n.Td ReTan� D600976G P.J.. Nv t. %W Tart Cl...k N -b- 1000063 END OF REPORT 1.P.MorganACCESTSample Reports Guide 20 11-egional ''■1 Standard Collections Provides the details of a variety of incoming transactions pasted to your J.P. Morgan account. Only available for Asia based and other select accounts. ABC COMPaac — A9.W— — Skt— [P rc-cawn " Rtgmal Report - Standard Ce■eet6re +nmr...y Inrs-m.enn. h'. Des DeepW! .12 Morgan Vak* Anse Range- 03-MSay,13 - 3aS*p- 3 Orf! 4,Ae Ae-- w .. Aee 9. Page 6.eak h/ #.—t Inef..de AL[C+nCP:•hORC'1C� Ac—'5— Lrn r.—O Accacnn Luc Lo" d: A=a -Iiah.a AIC C"ph3 C7Jao.-19 A wVu.r.6.r i�bcxl3.11t!! e W. l7 GAT +05= Crrrencf: Auil Aumaldn Dour Beck CHA;AVwu- JP..rq— Cr'a:e Bonk. KA urbwur•r RW� Click B.nnefr Y.k.r D.. V. -- Nw CCY Mf..wrwn TlPc ChexDP— CSy1_? a P4rrwn 117-00 P-fer R—:ffl - 117.00 Alz Iiar:.r. ZEFr-UFOIM 5dirtk� Accowv Iwrr.brr I-&Rdru.c.: LAW2756s171i 196 C� Rekrenue 600160000117 Prod ws if pe R.F...cer: uTR Race-e-ccr kubunuR 7fpe: L'hee: {caePyce 29-k..yl} Pamuct 175.06 P4- R— 126.06 Au" P;.— DU i4R1tt7 Grk fi,c lc k0^b., bn*R.fs.ncP: LAW2760+177166 Cuft.cner ftfrww: 606*60000+26 Prpd..P Typ. RdRraKc LITfk Rd— klabmr.on Tjp' Check 0.9-W 2AALg.1_ Pa—L 12&00 P -f- R.."-12eLM AUD IY.rre. offCUR17R+ ItiCOW I N II t- ErwkRebence: L."2761W 711x6 CL.b.....R.f.r.ne.: 000'00060'+P6 Pr d„c±Ties Refennee L.iR R.feru.ea 1[e2. -w Report- Gww dCelk—P- Cc Md On: 12JIor-130x29Ghfi x0&30 Pae 1 d 16■3 J.P. MorganACCEW Sample Reports Guide 21 ■ Report — Withh1 1 Provides the details of a variety of incoming transactions posted to your J.P. Morgan account. only available for Asia based and other select accounts. Regional Report - Wlthnoialnq Tax J 111morga--1n AJ raves --be %—f—non adl� – LPL'*x$SRL ova% V14S11:X17 /ai4J11�piVH rypY�IllynZ36'Rn nTT9� ICUI ILLLL'1411 019 a5% 3%SERVICE iliA.. MXW DWO Bank HA 111011M Slam n4.0.53 se- sERraEs Ss30'73r1.0p t PLACE RA7RFA R0. MOR. B411GIIAA411111 wfc4 OK ,w>s! 1 TWt11Tu 46lP�R rnLTo �:-at,„�� i.�:h>Ai �,■-�,�,a1z�� z�.:�Lu,�,�Tuwi.�: THARAHO '� ,�• ireVL1a{br�fu�.v�Jvau rnudv�SLilr bvfwhP iewRey h1 �i�>w>o iliilcu�r�+uin 8■T1 d�u-wm»avua� i-a11u15u i2}' 4 AOCIERVICESITnIrMn 00 17THFL=U"LRnNY Ibb111l1MIM71 (n7r+n rndw1lsLnL1 m6 ilswuAlwi>i� 'a�1L1■ 6183Q#M 1 SiNleld■wtla iooua Ln>, lln I11R Y1► I RBC SERVICES tIIAW11I LTD. IFTII FLABOULR4HM Ibb111111111111 0-1,%25% 3% SERVICE Od GG GbM111T111111 1T597646-90 1 PLACE RARM RD,, KOR. Od11GRAK 11111 OAHOKOR iib1111T1111111 13361.00 i PLACE RaA14 RD. MOW M194" 11111 W-0D%OK THGILARD 2 AOG SERNCEI 17SM FL ABOULRAHSI PUCE RAMM RD, IDb1111n111111 OL%25% 3% SERVICE P300 IbbI111111IIIII 74311&00 1 SILDM. BARGKAH 1I I11 BANGKOK TnAD-U O a111'” F1, 10013, RAM* ON M11 III I II 019 a5% 3%SERVICE 0390 DDI I 1111111111 Ss30'73r1.0p t PLACE RA7RFA R0. MOR. B411GIIAA411111 wfc4 OK THARAHO 4 AOCIERVICESITnIrMn 00 17THFL=U"LRnNY Ibb111l1MIM71 C4'2W r4 SEROM SV A3 00 I011111IIIIII1 6183Q#M 1 PLACE RAW4 R0. %qQR. 5-oGW 11111 IlA1[GKOK rHATLAM 5 AK WXWZS OW"I LTD 17TH FL a*"B"M Ibb1IIIIIIIIIII 050%.2555 3`: SERWE OX00 iib1111T1111111 13361.00 i PLACE RaA14 RD. MOW M194" 11111 W-0D%OK r"LAND 6 AMMUCESI-•M�11-TO. ITTHFLUXWLRAKY 1b AIM1111111 0504'25% 3h`.;ERVICE 03RD IMIl Itt111111 24744481.00 1 PL -CE RAYL RD.. ALOII. 21"KuK III I I SAWWOK THQLaN9 S'1Y11FK1S�li�Wl�T117•i1f11i11H{yM7k'7 hiALPF04n.9.A 63 of u(Fr&) 1'M41V915.00 54702'489.Qll nrinsann I m,Ra1 ila: R■ hht rx W u1 Lwv�lla ago 1t7711i1L (11 1;Kgrm7KiSILIl71e1S N/1111711wm—wss avaidro 1w-en7VI no F" I 3 "SIAUR)Wil ')sl n -P PA10111t5' Aln VrlaSisAgillThh0a553a1r[ta AtiLiS R -alI Nd] fiTlllllli 91R7T71•�114!'�'t IRISuN LSy1L 71.R - i21 LSautmisiinm4tlinsan4a�i - lin Lr AL» Oran 1 ]IYLb1P4luilORHB IiIILI - OO60R -w Mon 2 -awdlirhk n MOM R*rM+d RLPwI. Tax Cm"d C 12Abw130337 Cid -W 30 Pap 1 d 260 1.P.MorganACCESTSample Reports Guide 22 6 ■eturn5 and Exception5 Report Provides a detailed view of return and exception items, including check returns, ACH returns and ACH Notification of Change (NOC). Asia based accounts will only have electronic transactions based return information. International Global, Inc. J.MoPgan •' For iftnt1■IIOn Purpnw Oryx. " Returns and Exwp bons Report - Moount P■■L om paw o.y SMNO GEYft" ACHryOL 41.H<+fCwrA. ACHNLDFPOW, ACHFET(Ah D1 ' � .—M. A --V ACHNEVEPSAL ArHDNK40H tmWAARWftMX PapeA.ea A—H LNhRFDE T. CF"CK C.ean W omits Ae:p}�n� � U T"nwy C~- LR%1 IJt4 W 42MUO 1� {* 31 AM EST APx,wlB M lB rns conal G I Oba1, I nc C;L yUSO u5 DO11W Auoml Nunn■' 01234567819'_1 BwA 10206181 JPMo.12■rl Chn B. NA. 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This report is also available by account. ABC Company "For IANw6Ttcn +ra*nes Only ` Me DOW Ropori • 020 vrwr !:kw Tn naatan D"- 07127A2612 A Mw Q.Ow hAIOEAdT REG3ON ACCNM kam* MAIN C ON CRORATION IYro...Thmmar L345671390,_ Bark 072OD632- JPS Ch ase Sa L N. A. 10. Gunn y USG US Dollar L/ �. 07437YS. w25 M+cur Crams Cl.di f TAP.V1 III.MJGC USD TransKwn Daee ITana C7F272M 03.5f PM EDT Daac Fk. 5CCA TPANSF@F zOrDr r VAIWA Lima l Y -ME 0777.0,2 0A 3E Am EDT Rt»e4. • z CWMMn r naNxara. CAF OF VA?.27 Binh .Reimoc■ 99 95 99 99 9 995 �0 Grp GFP P.er d 07£71949 R.L1w.d 1:rmm 0004CM95998899999 CAP CAMUFAMAING FINANpALL SERV US LLCACCT98899 99985 CORPORATE 9999 HOMETOW N r.ILL E MI 44d444A44-6 Ramaxs YQUR RU 0/9 Y9 URBANK NYCREMARK P.ADV.FFr.07 2512 TO PMTiT Cl.dre AR—M 1,136 I.'. USO Ty+.twmElmo I Tin* 07+8 ITU11e 13 C8 AN EDT DdM VW CHIPS CREDIT Valw 0Ma Tame O72'M1104.31 AM EDT Rake Ta Cosnm Rr%r AAAAk-AAAAAA Ram fhda�a 999499999999 0 0911' A.4•e q OPf R"A"d U?.10404 CrIPS.4Raf 49996544949599 SRN Ra€aeved Ham YOURBANK N.A CM wALL smEET NEw Y(!I[ ACI 1CCO&1111 BY Urbe• C.7Wr 1APP4jCxF10N 9999 � YENDOi: PAYABLE %ofta R" SEN DISCRAN9AArDDDDODFRANKFURT GERMANY GOMANY Ramalke YDLIA REF 0/8IMURMNK NYCRE%IARK P.ADVFR.07 25 1Z TO P M NT EOCU M ENT 53555555555 rrM7 M'T77MTT=%I1xxOEBITkEFS)O3000DOOxurx4i CA.drt AnL1R+I 520 CA u54 Trfnsaeen pau a T~ D2 /5 km z_DT Bas-.T+peen CHIPS CREDIT Vafae Dam ITmns IM127202 D4 ---'E AIN EDT R%I a Tan. CWQM, TR.l.rans. mr-Ak-AW !an►T4lwWty 994599595989:0 GFP F¢da.. GFP R*e A 0737o5m CMP SegRaf 99999999999 SRN Aacrv.d Flan YOURMNKN.AO}71NALL MEET NEW YOR. NY 19490- i i I %arw C.+Iemar fAPPIJCATION 8999 NEN DDR 4AVASLE 9y Orae*Halt SENDINCEIAN K A4 Di7DDD.D iRANKRI RTSPMANY GERMANY WffWk1 YOUR kEF M 40URS3ANk NYMMARk P,ADV FIR 07 z5 S: TO PM NT Crvdlt Arna M 33,0OGAD USO Tuwnwbm 0m f Taal. umir2972 132 40 PM EDT Descnp4w FEI)VAWEF®Ei Vibe Dulk111 r D7272012 L429 _AA EOT Re4ara T. Cµa ha R04WK4 kbAc.rdaaAAAA BONA dclrywh+ o 994999999999:0 FED Rely s 999 F7077MOC 060333 `VIA ffD— Fad TOA.1 En 14z GFP Rek� OFF Re vmd 07771EM NRN 5eR,Ianoa 99999999599955 S.nd.g Brh ID 2ETMA7j54 R.C".d From YOUARMN R . 4170 *ALL STREET NEW YORK W 15D40 -3I31 WIR beth RepprT-gdi Cradhra Or tN19GG12 G4 3t pfA EDT Paga �d a'9 1.P.MorganACCESTSample Reports Guide 24 Provides originated payment transaction i nformation at a summary level. ABC Company IPMorgan Far lnfomLXion Purpws s any Payment Report - Summary Vaw WI. Range tgpi 2012- 1W77R652 D.Y Or.Pl , Paym.ni taefwesm.sapkem P.r—t C—. M.s w A=a7 .ecaum Wn 3xk rry-.eg Fn F—. Imae.r.4 °pan hnp:xe d =Sax4akrc O—A9CFNDWG Pftm MOO Parm.re ee.le.nws S.M. & DW, -4 C' Wrd`9 ?—da. A.:.as.d. �d�..r.a r_edxe.ue. R.i.eseeayaw e~1 Mlata.y ane 5.Iwtae lis.n M Eras -A! ABC Company ca.aney uSou.S xlv ;.-,l number flhhAn%2ISFF7A0773 bink124DO154-JPMORGAHCFIASEaAWK.1�A.NT. WIRE 9e11aileFar�Mame Rank Rdu.ele. V.ar. D.N. Onpmbg Amadd C..fi.n Mdhea Par—I IG Paym.id Mesad CCY Cak4Mea .N CC'f 10117wt2 06600123355789173 xr POORST 1.000 go EUR 1.333.80 USO JP Megea Chase Rank- Ak0. UT F— Te .Ll 130S343 wra�xsr.�wan W-Pend�R.WiA T.W. 1D0000 E4.R 1333.80 J90 WRE TOTALS Tyyl P.ymM P.�Am M CC:' O.MAn -,d CCY 1 DOOM EUR 333.90 USO P.ymani R.p.rt. S—ey Geared On. 16'17+2Ot2O5:18PMEOT Pag.1 M3 1.P.MorganACCESTSample Reports Guide 25 Provides originated payment transaction information at a detail level. ABC Company JTMorgan "For Inlotmaban Purposes Only. " Payment Report - Detail Value Date Range: 10ro112012. 10/17/2612 data display Payment McOtadslDas[npUOns Payment cmti0n Meow Dip,p� an &wxr(-, Inaude Payment Oatnnk5. Ir,jJwe Free Farm. rmponetl. From Templotle p3r Wn HM301y 4dd'bo-1 $ori Va m pate iA5M'dN) Payment Status Payment Currenc!" Saved. Pendmy Approval, PerMrg Relbe-,r, Ratg U . 411 Rdessn7.Oehrercd. Coltpkted. Re;eded By Funk Event History and Selected users Ab &v m • Ab Account Name. ABC Company Nt wunt Number Obb4D1234123454 Bank. 12400164 - JPMORGAN CHASE BANK, NA KM Currency: USD U.S. Dollar Craalmn Method Status FreE Form Pending Release PAYMENT INFORMATION MeihedlDeseripion Value Date Payment Amount ACTH 10I6d12012 100.00 USD NCH - Ch itd Suppo I Payment in Descdp6ye Data Bach Description gPVMfZ4123454 From Account Account Mame ABC Company Bank Cgmyany Name Company ID 124001645 AEK Company 123455739123 JP Morgan Chase Bank, N.A, UT BENE=FICIARIES Sure Account Number Account Type BanK ABA New York ObbOO754123123 Checkmg 021004372 Atiserlt Parent Last Name FOV Name SSN Payrop pare Payment IR DD Arn= Clark Tlm DOO-DO-WOOO 0910512012 3 10.11 F00_DO CR Payrwl Oelalli JE.'3'GS'F36pppp7'12094S'10ph{1'ppD1 T7H6b"Clatk.T,m'F:fi GG 1'. 1.P.MorganACCESTSample Reports Guide 26 vee Provides summary template information for all payment types by account. Templates are displayed for each account separately. ABC Company .1,PMorgan .. For Information Purposes Only- `" TemplateReport- Summary TemplateC—fie Dale Range:0916112C12-1011712012 Dela D -splay Paymml McIhudslD—ipb— Template Status Dig �Y al a¢ounts AL As Event Hlstery and Selected Users AHE --AY A[[ount Name: ABC Cumpany Currency -- DED U.S.0.4t- A—M Number- Ba* :124410154-JPMORGANCHASEriANK.NA(L1Tl 123456789123 Last Used Templab. Name Paymanl M.1h dl Driginehng A --,u LastAcI-Event a—.kiery Dale T..," a De Ob— Stsius ACH Desc.ripbe AC Company N-413 Last Acini 044, •Th— C—A ION 0f2G12 w,Fxshalaish A&.e w— 123456789123 Activated 1 1011620121141:05 AM EDT 12400154 09252012 TEMPLATE FOR ACT Arrive Account Transfer 123456789123 Activated1 TRANSFER 12400154 41972fif241211129 AM EDT Templafe Report- 5umeeary Created On: 1011712C12 0523 PM EDT Page 1013 1.P.MorganACCESTSample Reports Guide 27 1 �J Provides detail template information for all payment types.-emplates are displayed for each account separately. ABG Company .1 PMor n , Eo• ir%—atoq Fu rrasez Op IT Turnplate Repcx:- Qelail TemplatrLast Uwd oareRangr OM1+201x-1W1717C12 Diu Q1sa'=Y Paymwal4 wVmx a' )nurcbax Templapp SLatis Dipa7 ar awns -r Jj ,de T_raur De=r IT Jude AM NI TerOde `1 _-k�f Evart Vtslory a+a Srleetro Users 41E—L.Af Aq;nv N3mE ABC Company Arc5dmN&nr,-r 1�3466759ii23 3rr. 124001§4 .)PMORGAN CRklr,- BANK[ NA a1Tr C,+e-cr us❑ US Omar Ti vkw Nwe Seswe TEMPLATE FOR AGTTPAN9=EP Acr:t PAYMENT I NFORMAT04 payfflem W40hod OrrarkTaat4•A,mpunl KwrmurrT*iWwAm4ur .4rtaurm 7rAmkr X00C.00 LrSL From Accwfl Augurn Harm bb,55z891123 AE:C ti flmparg} Sar§ 124901545 AP Morgan 6has.e Elan§, N.A - rr Ta Aeeare Accani Nww 3bbGSS4987907 EEr:-NM BM* 124(x01545 .P WW Chas& Pan:, N A U T M{STOPY E"M Dam e T Ow A4Lpn4d &y Lsw 10 crom 097VNi 21122 AM EDT ANC rtaOiP2— AddKr " plioem0w sutm4lldhw Krum E1wr DmiTwo@ AaWAdBy Llsrrld vgm 092WOI 1122 Am EDT uvG Rq&P2" Event 0*@ 0 Twm Amar+&d By L16rr 10 4prave OrAaw:e 1122 AKA EDT PANG ay9w Evrw Ora, 0 Tmrr Amanrd By User IO 9gT 09r.V20121129 AM IDT +SNC -gZP37Z Evert Qat■ 0 Trm Acbwmd By User Q 092@'2612 1139 AM ELF ANG rtrgwsr¢ 4 Tmwo On ' 0M 7,'2'p12 Od 20 PM EDT Par" t CO 17 1.P.MorganACCESTSample Reports Guide 28 Last modified: August 2014 This guide is confidential and proprietary to J. P. Morgan and is provided For your general information only. It is subject to change without notice and is not intended to he legally binding. All services described in this guide are subject to applicable laws and regulations and service terms. Not all products and services are available in all locations. Eligibility for particular products and services will be determined by JPMorgan Chase Bank, N.A. or its affiliates. J.P. Morgan makes no representation as to the legal, regulatory or tax implications of the matters referred to in this guide. J.P. Morgan is a marketing name For the Treasury Services businesses of JPMorgan Chase Bank, N.A., member FDIC, and its affiliates worldwide. 02014 JPMorgan Chase & Co. All rights reserved. 1.P.MorganACCESTSample Reports Guide 29 Attachment 5. Business Resiliency Plan Overview May 2015 The information contained in this document is confidential and proprietary to JPMorgan Chase Et Co. The business resiliency plans of JPMorgan Chase Et Co. are subject to change without notice and do not guarantee that for every disaster or business disruption: (i) such plans will be successfully implemented; or (ii) such plans, if implemented, will be sufficient and appropriate to avoid, deter or mitigate the disaster or business disruption. © 2015 JPMorgan Chase Et Co. All rights reserved. O U - 0 z a LU a Of a Business Resiliency Planning Recovering from or even avoiding a service disruption, whether a component failure or a full- scale disaster, depends on a comprehensive and effective contingency and business recovery planning process combined with experienced people to execute the plan. J.P. Morgan's business resiliency plans address all parts of the business - including employees, facilities, systems, telecommunications, third parties, and clients. Our business resiliency plans are living documents that are updated on an ongoing basis to incorporate lessons learned and tested regularly to validate the effectiveness and completeness of the plans. Business Resiliency plans are classified as "company confidential" and cannot be disclosed or shared with external entities. For informational purposes, this document provides an overview of the Business Resiliency planning, testing and implementation approach in place for J.P. Morgan's Corporate Et Investment Bank line of business. J.P. Morgan uses an integrated Business Resiliency strategy that addresses both the disaster recovery and business continuity planning required to resume operations from a disruption and provide for continuing operations over the course of a business interruption lasting up to 30 days. J.P. Morgan's firm -wide Business Resiliency program is designed to comply with all applicable guidelines from The U.S. Office of the Comptroller of the Currency (OCC), the U.S. Federal Financial Institutions Examination Council (FFIEC) and the Interagency White Paper on Sound Practices to Strengthen the Resilience of the U. S. Financial System. Additionally, there are approximately 100 guidelines worldwide for resiliency. Our Corporate policies and LOB guidelines are documented to account for the various global regulations and are subject to country audits. Recovery strategies and plans are documented to account for the worst-case scenario, involving loss of life and widespread geographic interruption. The firm's Corporate Et Investment Bank line of business maintains a dedicated staff responsible for providing Business Resiliency (BR) services to all business units. The BR professionals provide governance, oversight and compliance functions for business and technology subject matter experts. The team is responsible for ensuring that corporate, regulatory and country -specific requirements are met. Disaster recovery strategies and plans (also known as information technology recovery plans) address the recovery of critical systems and applications from an interruption to normal processing cycles. A full range of technical solutions are used, with the specific technologies applied to each application/function depending on the criticality and recovery time objective of the specific application. J.P. Morgan data centers support a wide range of technology to provide high availability environments and alternate site recovery capabilities, including disk mirroring, clustering, geographically dispersed systems, and offsite tape backups, depending on the criticality and recovery window of the application(s). Documented business continuity strategies and plans address the recovery of functions and/or people to one or more viable alternate recovery sites. When similar processes utilizing like systems are performed at multiple locations, the use of a sister site or distributed operating model is generally the preferred recovery approach. A sister site is defined as a facility that JTMorgan 0 Z a LU a Of EL performs like processes, using similar systems and equipment, and where local management possesses expertise on the processes to be recovered at that location. In situations where only workspace or access to remote applications is required, other J.P. Morgan locations outside the production site zone are the preferred approach. Plan Development J.P. Morgan uses a formal Business Impact Analysis (BIA) process and a standard tool to gather and analyze data with each business unit. For consistency of process and content, a Business Resiliency Analyst works with the business unit staff to conduct this assessment. The BIA measures the potential impact of disruption to clients, as well as legal, regulatory and financial impact to the firm if the business process is not able to function. The business unit then establishes a recovery window for processes and supporting infrastructure. The recovery window range begins with intraday recovery and extends out based on the criticality and time - sensitivity of the process. Output from the BIA is used to define and develop a preferred recovery strategy consistent with the specified recovery window. Standardized methodologies, templates and tools provide consistent reporting mechanisms, helping to ensure that the selected strategy and the detailed plan address all relevant aspects of our Corporate policies and LOB guidelines. All business continuity plans are required to incorporate and satisfy specific critical elements, including: ❑ Recovery Strategy ❑ Recovery Time Objective ❑ Emergency Notification ❑ Work -in -process Assessment ❑ Employee Call Tree ❑ Damage Assessment ❑ Recovery Procedures ❑ Customers/Third Parties ❑ Equipment/Software ❑ Telecommunications Risk assessment and recovery site selection includes evaluation of sites that will not likely be impacted by the same event considering regional geography and critical infrastructure that supports the process. In many cases, alternate J.P. Morgan locations or sister sites are the primary recovery site. Select business units have established hot site locations for business and technology recovery while others have contracts with third party vendors to provide and support business and systems recovery. Where applicable, business resiliency plans reference command centers, assembly sites, offsite storage and recovery sites. A formal process to document and approve recovery sites is in place to help avoid the potential double -booking or business unit overlap at recovery sites. Additionally, support groups, such as Real Estate and Desktop Support, ensure recovery sites can be utilized effectively at the time of an interruption and that plans are established to provide required infrastructure within allowable timeframes. Testing, Training and Education All plans must comply with the firms' corporate Risk Based Testing policy and test cycle. Each resiliency plan is tested annually. Exercises can include: ■ Notification Procedures: Assure the accuracy and completeness of call tree information is maintained through organizational changes. JTMorgan 0 Z a LU a Of EL ■ Walkthrough: Familiarize the business unit or support group staff with the plan and their role in its execution. This validates that the resiliency plan incorporates all critical processes and helps to identify gaps or other weaknesses requiring remediation. ■ Simulation / Table Top Testing: Validate and share assumptions, including those related to dependencies, and the ability of support groups, third parties, and other vendors to provide support. A scenario -based test is an interactive session where participants are presented with an incident and need to make decision in order to overcome a problem or situation. ■ Full Physical: Validate the ability to recover business units, processes, applications, and infrastructure within the established recovery time objective without dependency on the primary location. ■ Location: Assure resiliency readiness at the site -level to recover from a range of scenarios, including full loss of site and validate the ability to recover all processes and technology with RTOs of 2 through 72 within recovery time objectives. Resiliency plans supporting critical business processes are updated annually or when there are significant changes in the environment. Plan maintenance sessions are typically a formal review of all aspects of the resiliency plan and updates are made as necessary. Where applicable, we educate each shift of the general employee population on how to respond to an event at their facility, in addition to the employees that will be directly involved with a recovery effort. In addition, J.P. Morgan has a formal, centrally managed, assessment process to evaluate the adequacy of security, disaster recovery and business continuity controls in place at critical third parties. A critical third party is an external entity, which provides a product or service that has client, revenue, regulatory or reputational impact to J.P. Morgan. Business Resiliency plans are subject to reviews by J.P. Morgan's Global Resiliency Et Crisis Management group, which acts as the firm's governing body for Business Resiliency measures. The plans must address and comply with documented organizational requirements. All findings are escalated to the business units, Risk Management and division executive for review. Event Management, Escalation and Response J.P. Morgan has regional crisis management teams in place to address emerging risks and respond to actual recovery issues. Within each line of business, a crisis management framework is in place to manage business units and customers through a potential or actual business interruption event. This process is tested on a regular basis and has been successfully used to manage through a multitude of planned and unplanned events including hurricanes, floods, snowstorms, terrorist attacks, technology interruptions and power outages. The following areas are addressed: ■ Notification of employees and activation of the plan ■ Damage assessment of facility, technology and work -in -progress ■ Evaluation and impact of established service level agreements ■ Communication with key support providers and customers ■ Recovery of work -in -progress ■ Recovery site activation J.P.Morgan 0 Z a LU a a r J V Ln ■ Impact on support groups and interdependent processes ■ Movement of work and people ■ Business unit and technology recovery ■ Restoration of the process back to the original production location J.P. Morgan is a large, geographically dispersed financial institution with the ability to manage complex events. Automated notification tools, e-mail, instant messaging, and teleconference bridge lines are used to communicate and coordinate activities across all business units and support groups. In an actual business disruption, it can be critical to determine accurately the extent of damage and the resources required to resume and maintain operations. Damage Assessment is comprised of three components, coordinated by groups knowledgeable in their established discipline: the Facilities and Critical Infrastructure Group evaluates the facility and select supporting infrastructure; business unit management evaluates the impact of in -progress and expected workload and determines the appropriate level of response; Global Technology Infrastructure evaluates the impact on electronic equipment, including computers, network and servers. Within each line of business at each location, a senior individual is appointed to represent the business at the J.P. Morgan's firm -wide Crisis Command Center. In the event of a business disruption, J.P. Morgan will activate the Command Center in order to determine the scope of the disruption, the effect on the business and on our clients. When activated, the Crisis Command Center is staffed 24 hours a day with senior representatives from Facilities, Security, Technology, Infrastructure, Risk Management, Legal/Compliance, Insurance, Audit, Human Resources, Corporate Communications/Marketing, Finance and each line of business. To keep clients informed during a business disruption J.P. Morgan relies on both written and verbal communications. We provide clients with regular updates summarizing the status of the situation and the impact to clients. Depending on the nature of the disruption and the number of clients impacted, the firm may use direct telephone calls, conference calls, e- mails, faxes, recorded messages, and other means to disseminate information. When applicable, communications may include contact information for those areas operating at contingency locations. Minimizing Likelihood and Extent of A Disruption J.P. Morgan's extensive global footprint provides built-in redundancy for many core processing, operations and service delivery functions. J.P. Morgan has strategically located data centers and operation centers throughout the world. This geographic distribution helps to reduce the impact of a local disruption on our business. Each location has at least one defined and tested recovery site with connectivity to applications and a tested plan for relocating to the alternate site and resuming business. Further minimizing the likelihood of a full-scale business disruption, J.P. Morgan's data centers and data storage procedures have been designed to minimize the likelihood of a disruption in the event of a disaster, as described below. ■ Data centers have on-site backup processing resources to address local equipment issues. J.P.Morgan 0 Z a LU a Of a ■ Data centers and major operations facilities are designed to receive electrical power from dual utility feeds, multiple redundant Uninterruptible Power Supply (UPS) protection, and redundant on-site generators. Buildings feature stringent physical security, using highly sophisticated systems to prevent against and detect fire, smoke, water and intrusion. These measures help to reduce the risk and minimize the consequences of these events. Each building is secured at the main entrance, requiring electronic ID cards for access. In addition, a trained and equipped security staff provides 24-hour coverage. ■ In major facilities, telephone service is delivered from two separate switching stations and delivered to the building so that an interruption to one of the switching stations would not affect the entire building's workspace. J.P. Morgan maintains a proprietary telecommunications network across our global operating facilities and data centers, which is designed to maintain communications in the event of a disaster. We have redundant components for each connection (e.g., routers, switches, etc.) which allow us to immediately correct device failures. We have configured our network with multiple diversely routed paths that allow us to re -direct traffic in the event of a disruption. This enables us to revert to additional options in the event of a provider outage. Wide -scale Staff Disruption (including Pandemic Preparedness) Based on the World Health Organization's pandemic model, J.P. Morgan has prepared a process for creating layers of defense to prevent virus transmission and a work -around for the possibility of mass employee absenteeism. Our plans not only address a pandemic situation but would serve us for other wide -scale staff disruptions. Planning incorporates preparedness and expertise from all areas of the firm. Consideration has been given to the unavailability of the workforce or closing of locations over extended periods of time. J.P. Morgan will exercise commercially reasonable efforts to ensure that the firm will meet its obligations to you and to all of our customers. J P. Morgan Attachment 6. Sample Implementation Plan City of Costa Mesa Sample Proj Plan ID Task Name City of Costa Mesa Sample Implementation Project Plan Initiation Phase Requirements and Planning Phase Draft Project Charter Review Project Charter with Client Sign -off on Scope/Lock Project Charter Draft Detailed Project Plan Review DRAFT Project Plan with Client Requirements and Design Phase Completed Duration Start Finish Predecessors Resource Names 1 60 days Tue 2/2/16 Mon 4/25/16 Tue 2/2/16 Fri 2/12/16 2 9 days 12 7 days Mon 2/15/16 Tue 2/23/16 13 3 days Mon 2/15/16 Wed 2/17/16 7 JPM Impl Project Mgr 14 1 day Thu 2/18/16 Thu 2/18/16 13 JPM Impl Project Mgr/Client 15 3 days Fri 2/19/16 Tue 2/23/16 14 Client 16 3 days Mon 2/15/16 Wed 2/17/16 7 JPM Impl Project Mgr Thu 2/18/16 Thu 2/18/16 16 JPM Impl Project Mgr/Client Thu 2/18/16 Thu 2/18/16 17,16 JPM Impl Project Mgr/Client 17 1 day 18 0 days 19 Documentation $ Service Set-up Phase JPMorgan Access 38 days Tue 2/2/16 Thu 3/24/16 Mon 2/15/16 Mon 3/21/16 20 26 days 21 Confirm Accounts & Services; Review & Complete Set-up Documents Complete, Execute & Return Security Administrator Designation Form (SADF) Submit Set-up Request to Operations 2 days Mon 2/15/16 Tue 2/16/16 7 JPM Impl Project Mgr/Client Wed 2/17/16 Tue 2/23/16 21 Client Wed 2/24/16 Wed 2/24/16 22 JPM Impl Project Mgr 22 5 days 23 1 day 24 SecurID Tokens & Activation E-mail Sent to Client Security Administrators Security Administrators Complete Token Activation Process 5 days Thu 2/25/16 Wed 3/2/16 23 JPMorgan Thu 3/3/16 Thu 3/3/16 24 Client 25 1 day 26 Security Administrators Log onto JPMorgan Access 1 day Fri 3/4/16 Fri 3/4/16 25 Client 27 Coordinate & Schedule Security Administrator Training 1 day Mon 3/7/16 Mon 3/7/16 26 JPM Impl Project Mgr/Client 28 Security Administrators Complete User and Entitlement Set-up 5 days Tue 3/8/16 Mon 3/14/16 27 Client 29 Coordinate & Schedule User/Product Training 1 day Tue 3/15/16 Tue 3/15/16 28 JPM Impl Project Mgr/Client 30 Client Users Log onto JPMorgan Access 3 days Wed 3/16/16 Fri 3/18/16 29 Client 31 ACH File Upload via ACCESS 24 days Wed 2/17/16 Mon 3/21/16 32 Provide Client with the ACCESS ACH File Upload Specifications 1 day Wed 2/17/16 Wed 2/17/16 21 JPM Project Mgr 33 Secure ACCESS Technical Resource 2 days Thu 2/18/16 Fri 2/19/16 32 JPM Project Mgr Mon 2/22/16 Wed 2/24/16 33 Client/JPM Technical Resource 34 Review ACH File Upload Specifications 3 days 35 Create ACH File for Upload via ACCESS Test ACH File for Upload via ACCESS Begin Processing ACH File via ACCESS 5 days Thu 2/25/16 Wed 3/2/16 34 Client Wed 3/16/16 Fri 3/18/16 35,29 Client/JPM Technical Resource Mon 3/21/16 Mon 3/21/161 36 Client 36 3 days 37 1 day 38 Payables Web Service (PWS) Confirm Accounts & Services; Review & Complete Set-up Documents Complete, Execute & Return Security Administrator Designation Form (SADF) 23 days Mon 2/15/16 Wed 3/16/16 Mon 2/15/16 Tue 2/16/16 7 Wed 2/17/16 Tue 2/23/16 39 JPM Impl Project Mgr/Client Client 39 2 days 40 5 days 41 Submit Set-up Request to Operations SecurID Tokens & Activation E-mail Sent to Client Security Administrators 1 day Wed 2/24/16 Wed 2/24/16 40 JPM Impl Project Mgr Thu 2/25/16 Wed 3/2/16 41 JPMorgan 42 5 days 43 Security Administrators Complete Token Activation Process 1 day Thu 3/3/16 Thu 3/3/16 42 Client 44 Security Administrators Log onto JPMorgan Access Coordinate & Schedule Security Administrator Training 1 day Fri 3/4/16 Fri 3/4/16 43 Client Fri 3/11/16 44 JPM Impl Project Mgr/Client 45 5 days Mon 3/7/16 46 Security Administrators Complete User and Entitlement Set-up 1 day Mon 3/14/16 Mon 3/14/16 45 Client 47 Coordinate & Schedule User/Product Training 1 day Tue 3/15/16 Tue 3/15/16 46 JPM Impl Project Mgr/Client 48 Client Users Log onto PWS 1 day Wed 3/16/16 Wed 3/16/16 47 Client 49 Setup Complete Positive Pay Confirm Set-up Details with Client 0 days Wed 3/16/16 Wed 3/16/16 48 Tue 3/1/16 50 12 days Mon 2/15/16 51 2 days Mon 2/15/16 Tue 2/16/16 7 JPM Impl Project Mgr/Client 52 Provide Client MICR Specification Sheet Provide Overview of Check Testing Requirements & File Specifications Submit ARP & PWS Set-up Requests to Operations 3 days 3 days 7 days Wed 2/17/16 Fri 2/19/16 51 JPM Impl Project Mgr Mon 2/15/16 Wed 2/17/16 7 JPM Impl Project Mgr Thu 2/18/16 Fri 2/26/16 53 JPM Impl Project Mgr 53 54 Timeline is illustrative only - Actual project task lines, task durations and timelines vary based on client detailed requirements and other factors and will be finalized once the implementation is underway. Page 1 of 4 City of Costa Mesa Sample Proj Plan ID Task Name Duration Start Finish Predecessors Resource Names 55 Notify Client when Setup Complete 2 days Mon 2/29/16 Tue 3/1/16 54 JPM Impl Project Mgr 56 Setup Complete/Begin Testing Phase Payee Verification (PVE) Confirm Set-up Details with Client 0 days Tue 3/1/16 Tue 3/1/16 Mon 2/15/16 Tue 3/1/16 Mon 2/15/16 Tue 2/16/16 55 7 JPM Impl Project Mgr/Client 57 12 days 58 2 days 59 Provide Client with PVE Requirements Advise Client of Check Testing Requirements Submit ARP & PWS Set-up Requests to Operations 3 days Wed 2/17/16 Mon 2/22/16 Tue 2/23/16 Fri 2/19/16 Mon 2/22/16 Mon 2/29/16 58 59 60 JPM Impl Project Mgr/Client JPM Impl Project Mgr JPM Impl Project Mgr 60 1 day 61 5 days 62 Notify Client when Setup Complete 1 day Tue 3/1/16 Tue 3/1/16 61 JPM Impl Project Mgr 63 Setup Complete/Begin Testing 0 days Tue 3/1/16 Tue 3/1/16 62 64 ACH (US) Direct Transmission 17 days Mon 2/15/16 Tue 3/8/16 65 Confirm ACH Set-up Requirements 2 days Mon 2/15/16 Tue 2/16/16 7 JPM Impl Project Mgr/Client 66 Secure Technical Resources for ACH Connectivity Setup and Testing 5 days Wed 2/17/16 Tue 2/23/16 65 Client 67 Submit Set-up Request to Operations 2 days Wed 2/17/16 Thu 2/18/16 65 JPM Impl Project Mgr 68 Assign Systems Implementation Resource 2 days Fri 2/19/16 Mon 2/22/16 67 JPM Systems Impl Mgr JPM Systems Impl Mgr 69 Finalize Set-up Details with Client 2 days Tue 2/23/16 Wed 2/24/16 68 70 Review ACH File Specifications with Client Provide ACH Origin and Company ID Numbers to Client Submit Connectivity Request 2 days Thu 2/25/16 Mon 2/29/16 Thu 2/25/16 Fri 2/26/16 Tue 3/1/16 Thu 2/25/16 69 JPM Systems Impl Mgr 70 JPM Impl Project Mgr/JPM Systems 69 JPM Systems Impl Mgr 71 2 days 72 1 day 73 Connectivity Resource Assigned Establish and Test Connectivity Complete and Execute Infodex User Setup Form for File Validation and Release 5 days Fri 2/26/16 Fri 3/4/16 Thu 2/25/16 Thu 3/3/16 Tue 3/8/16 Wed 3/2/161 72 JPM Connectivity Analyst 73 JPM Connectivity Analyst/Client 69 Client 74 3 days 75 5 days 76 Submit Infodex User Setup Form Host -to -Host (H2H)/Connectivity Provide Connectivity Guide, Questionnaire and Security Administration Designation Form 1 day Thu 3/3/16 Tue 2/23/16 Tue 2/23/16 Thu 3/3/16 Tue 3/15/16 Tue 2/23/16 75 JPM Impl Project Mgr 68 JPM Impl Project Mgr 77 16 days 78 1 day 79 Complete & Return Connectivity Questionnaire and Security Administration Designation 5 days Wed 2/24/16 Tue 3/1/16 78 Client 80 Provide Connectivity Questionnaire & Security Adminstration Designation Form to 1 day Wed 3/2/16 Wed 3/2/16 79 JPM Impl Project Mgr 81 Submit Connectivity Request 1 day Thu 3/3/16 Thu 3/3/16 80 JPM Systems Impl Mgr 82 Connectivity Resource Assigned 5 days Fri 3/4/16 Thu 3/10/16 81 JPM Connectivity Analyst 83 Set up Connectivity Test Region 3 days Fri 3/11/16 Tue 3/15/16 82 JPM Connectivity Analyst/Client 84 Zero Balance Account (ZBA) 10 days Mon 2/151161Fri 2/26/16 85 Complete, Execute & Return US Cash Concentration Agreement 5 days Mon 2/15/161Fri 2/19/16 7 Client 86 Submit Set-up Request to Operations 2 days Mon 2/22/16 Tue 2/23/16 85 JPM Impl Project Mgr 87 Advise Client of Completed Set-up 3 days Wed 2/24/16 Mon 2/15/16 Mon 2/15/16 Fri 2/26/16 Wed 3/2/16 Wed 2/17/16 86 JPM Impl Project Mgr 7 JPM Impl Project Mgr/Client 88 Check Returns 13 days 89 Review and Complete Check Return Questionnaire 3 days 90 Submit Set-up Request to Operations Advise Client of Completed Set-up ACH Debit Blocking 5 days Thu 2/18/16 Thu 2/25/16 Mon 2/15/16 Wed 2/24/16 Wed 3/2/16 Thu 2/25/16 89 JPM Impl Project Mgr 90 JPM Impl Project Mgr 91 5 days 92 9 days 93 Complete, Execute & Return ACH Debit Blocking Set-up Forms Submit Set-up Request to Operations Advise Client of Completed Set-up 5 days Mon 2/15/16 Mon 2/22/16 Wed 2/24/16 Fri 2/19/16 Tue 2/23/16 Thu 2/25/16 7 Client 93 JPM Impl Project Mgr 94 JPM Impl Project Mgr 94 2 days 95 2 days 96 ACH Debit Block Setup Complete 0 days Thu 2/25/16 Thu 2/25/16 95 97 Business Deposit Express 17 days Mon 2/15/16 Tue 3/8/16 98 Interview Client and Complete Business Deposit Express Questionnaire 5 days Mon 2/15/16 Fri 2/19/16 7 JPM Impl Project Mgr 99 Review and Agree on Proximity Study Submit Set-up Request to Operations 5 days 3 days Mon 2/22/16 Mon 2/29/16 Fri 2/26/16 Wed 3/2/16 98 Sales/Client/JPM Imp] Project Mgr 99,98 JPM Impl Project Mgr 100 Timeline is illustrative only - Actual project task lines, task durations and timelines vary based on client detailed requirements and other factors and will be finalized once the implementation is underway. Page 2 of 4 City of Costa Mesa Sample Proj Plan ID Task Name Duration Start Finish Predecessors Resource Names 101 Client to Order Supplies for Making Deposits (Deposit Bags, Deposit Tickets, etc) Send Out Business Deposit Welcome Kits to Stores 5 days Mon 2/22/16 Fri 2/26/16 98 Client 102 3 days Thu 3/3/16 Mon 3/7/16 100 JPMorgan 103 Advise Client of Completed Set-up Cash Vault Services Identify Store Locations and Armed Courier Services 1 day Tue 3/8/16 Tue 3/8/16 102 JPM Impl Project Mgr 104 21 days Mon 2/15/16 Mon 3/14/16 105 5 days Mon 2/15/16 Fri 2/19/16 7 Client 106 Review and Agree on Proximity Study Interview Client and Complete Cash Services Vault Questionnaire Submit Set-up Request to Operations 5 days Mon 2/22/16 Fri 2/26/16 105 Sales/ClienUJPM Impl Project Mgr Fri 3/4/16 105,106 JPM Impl Project Mgr Fri 3/11/16 107 JPM Impl Project Mgr 107 5 days Mon 2/29/16 108 5 days Mon 3/7/16 109 Cash Deposits Client to Order Supplies for Making Deposits (Deposit Bags, Deposit Tickets, etc) Advise Client of Completed Set-up 6 days Mon 3/7/16 Mon 3/14/16 Fri 3/11/16 107 Client Mon 3/14/16 110 JPM Impl Project Mgr 110 5 days Mon 3/7/16 111 1 day Mon 3/14/16 112 Image Deposit Direct (IDD) 29 days Mon 2/15/16 Thu 3/24/16 113 Interview Client and Complete IDD Questionnaire 5 days Mon 2/15/16 Fri 2/19/16 7 JPM Impl Project Mgr Fri 2/26/16 113 JPM Impl Project Mgr 114 Coordinate and Schedule Training Date with Client and Operations 5 days Mon 2/22/16 115 Submit Set-up Request to Operations 2 days Mon 2/29/16 Tue 3/1/16 114 JPM Impl Project Mgr 116 Email IDD Questionnaire to Float Management 1 day Wed 3/2/16 Wed 3/2/16 115 JPM Impl Project Mgr Wed 3/9/16i116 JPMorgan 117 IDD Unit Orders Scanner Equipment 5 days Thu 3/3/16 118 Scanner Equipment Sent to Client Confirm Receipt of Equipment Complete Software Installation and Image Website Training 4 days Thu 3/10/16 Tue 3/15/16 117 JPMorgan Wed 3/16/16 Thu 3/17/16 118 Client Fri 3/18/16 Thu 3/24/16 1191JPMorgan/Client 119 2 days 120 5 days 121 Confirms Software Testing and Training is Complete Configure Client PC workstations into Production Environment Receive completion notice from IDD Fulfillment 5 days Fri 3/18/16 Thu 3/24/16 119 Client Fri 3/18/16 Mon 3/21/16 119 JPMorgan Fri 3/18/16 Mon 3/21/16i119 JPM Impl Project Mgr 122 2 days 123 2 days 124 Advise Client of Completed Set-up Documentation & Service Set-up Phase Complete Testing and Go Live Phase Positive Pay via Payables Web Services 0 days Mon 3/21/16 Mon 3/21/161 123 JPM Impl Project Mgr Tue 2/2/16 Tue 2/2/16 Mon 2/15/16 Wed 4/13/16 Thu 2/18/16 Fri 3/18/16 125 0 days 126 43 days 127 22 days 128 Security Administrators Entitle and Approve Users 1 day Mon 3/14/16 Mon 3/14/16 45,55 Client 129 Client Creates Test Check Issue File 5 days Thu 2/18/16 Wed 2/24/16 53 Client 130 Client Uploads Check Issue Test File into Payables Web Services During Training Sessior 1 day Tue 3/15/16 Tue 3/15/16 128,129 Client 131 Feedback Provided, Corrections Made, Corrected Test File Uploaded 1 day Wed 3/16/16 Wed 3/16/16 130 Client/JPM Training 132 Sign -off on File Testing 1 day Thu 3/17/16 Thu 3/17/16 131 Client Fri 3/18/16 Fri 3/18/16 132 Client 133 Submit First Check Issue File in Production 1 day 134 Activate Positive Pay Service and Payee Verification (if applicable) Confirm Receipt of Production Check Issue File Setup Complete Payee Verification Client Creates/Orders Checks Client Forwards 20 Voided and Bursted Checks to JPMorgan for PVE Testing. Payee Name Included in Test Checks Perform MICR Test Perform PVE Test Provide Test Feedback to Client If Successful, Activate PVE Service 0 days Fri 3/18/16 Fri 3/18/161 133 Client Fri 3/18/16 Fri 3/18/16 134 JPM Impl Project Mgr Fri 3/18/16 Fri 3/18/16 135 Tue 2/231161 Fri 3/11/16 Tue 2/23/16 Mon 2/29/16 59,60 Client Tue 3/1/16 Tue 3/1/16 138 Client Wed 3/2/16 Fri 3/4/16 139 JPM Impl Project Mgr/Chase 135 0 days 136 0 days 137 14 days 138 5 days 139 1 day 140 3 days 141 3 days Mon 3/7/16 Wed 3/9/16 140 JPM Impl Project Mgr 142 2 days Thu 3/10/16 Fri 3/11/16 141 JPM Impl Project Mgr 143 0 days Fri 3/11/16 Fri 3/11/16 142 JPM Systems Impl Mgr 144 Setup Complete 0 days Fri 3/11/16 Fri 3/11/16 143 Timeline is illustrative only - Actual project task lines, task durations and timelines vary based on client detailed requirements and other factors and will be finalized once the implementation is underway. Page 3 of 4 City of Costa Mesa Sample Proj Plan ID Task Name Duration Start Finish Predecessors Resource Names 145 MICR Testing 15 days Mon 2/15/16 Fri 3/4/16 146 Provide Client with MICR Specification Sheet for Check Printing Client Creates/Orders Checks Client Forwards 20 Voided and Bursted Checks to JPMorgan for MICR Testing 1 day Mon 2/15/16 Mon 2/15/16 7 JPM Impl Project Mgr Tue 2/16/16 Mon 2/29/16 146 Client Tue 3/1/16 Tue 3/1/16 147 Client 147 10 days 148 1 day 149 Perform MICR Test Provide Test Feedback to Client If Successful, Advise Client to Begin Issuing Checks 2 days Wed 3/2/16 Thu 3/3/16 148 JPM Impl Project Mgr Fri 3/4/16 Fri 3/4/16 149 JPM Impl Project Mgr Fri 3/4/16 Fri 3/4/16 150 JPM Impl Project Mgr 150 1 day 151 0 days 152 MICR Testing Complete 0 days Fri 3/4/16 Fri 3/4/16 151 153 ACH Direct Send File 15 days Mon 3/7/16 Fri 3/25/16 145 154 Create Test File 4 days Mon 3/7/16 Thu 3/10/16 71 Client 155 Send Test File to JPMorgan via Chosen Connectivity Method 1 day Fri 3/11/16 Fri 3/11/16 154 Client 156 Tests File and Provide Feedback to Client 3 days Mon 3/14/16 Wed 3/16/16 155 JPM Systems Impl Mgr 157 Send Transaction Joumal/Return File to Client via Chosen Connectivity Method 1 day Thu 3/17/16 Thu 3/17/16 156 JPM Systems Impl Mgr 158 Tests File and Provide Feedback to JPMorgan 3 days Fri 3/18/16 Tue 3/22/161 157 Client Mon 3/14/16 Mon 3/14/161 155 JPM Impl Project Mgr/JPM Systems 159 Sign -off on File Testing 1 day 160 Execute & Return Security Administration Designation Form Submit Connectivity Production Keys to Security Team Confirm Connectivity Production Keys are in Place 1 day Fri 3/11/16 Fri 3/11/16 154 Client Mon 3/14/16 Tue 3/15/16 160 Client Wed 3/16/16 Thu 3/17/16 161 JPM Connectivity Analyst 161 2 days 162 2 days 163 Establish Connectivity in Production Build Infodex Users and Provide Passwords and User Guide Activate ACH Service in Production 5 days Fri 3/18/16 Thu 3/24/16 162 JPM Connectivity Analyst/Client Tue 3/15/16 Thu 3/17/16 159 JPM Systems Impl Mgr/JPMorgan Tue 3/15/16 Wed 3/16/161159 JPM Systems Impl Mgr 164 3 days 165 2 days 166 Transmit First Production ACH File to JPMorgan Confirm Receipt of First Production File Set-up Complete 1 day Fri 3/25/16 Fri 3/25/161 163,165 Client Fri 3/25/16 Fri 3/25/16 166 JPM Systems Impl Mgr Fri 3/25/16 Fri 3/25/16 167 167 0 days 168 0 days 169 Host -to -Host (H2H)/Connectivity 13 days Mon 3/28/16 Wed 4/13/16 153 170 Conduct Connectivity Testing 3 days Mon 3/28/16 Wed 3/30/16 83 JPM Connectivity Analyst/Client 171 Sign -off on File Testing 1 day Thu 3/31/16 Thu 3/31/16 170 JPM Systems Impl Mgr/Client 172 Submit Connectivity Production Keys to Security Team 2 days Thu 3/31/16 Fri 4/1/16 170 Client 173 Confirm Connectivity Production Keys are in Place 2 days Mon 4/4/16 Tue 4/5/16 172 JPM Connectivity Analyst 174 Establish Connectivity in Production 5 days Wed 4/6/16 Tue 4/12/16 173 JPM Connectivity Analyst/Client 175 Submit/Receive Production Verification File to/from JPMorgan 1 day Wed 4/13/16 Wed 4/13/16 174 Client Wed 4/13/16 Wed 4/13/16 175 JPM Connectivity Analyst/Client 176 Confirm Successful Receipt/Send of File 0 days 177 Set-up Complete Testing & Go Live Phase Complete Deal Closure Phase Monitor Services During Production Verification Period Sign -off on Project Conduct Post Implementation Meeting Transition to Customer Service Distribute Survey to Client 0 days Wed 4/13/16 Wed 4/13/16 176 Fri 3/18/16 Fri 3/18/16 137,127 Thu 4/14/16 Mon 4/25/16 Thu 4/14/16 Wed 4/20/16 19,126 JPM Impl Project Mgr/JPM Systems Impl Mgr Thu 4/21/16 Thu 4/21/16 180 JPM Impl Project Mgr/JPM Systems Impl Mgr/Client Fri 4/22/16 Fri 4/22/16 181 JPM Impl Project Mgr/JPM Systems Impl Mgr/Client Mon 4/25/16 Mon 4/25/16 182 JPM Impl Project Mgr/Client Mon 4/25/16 Mon 4/25/16 183 JPMorgan 178 0 days 179 8 days 180 5 days 181 1 day 182 1 day 183 1 day 184 0 days 185 BAU Production 0 days Mon 4/25/16 Mon 4/25/161183 Timeline is illustrative only - Actual project task lines, task durations and timelines vary based on client detailed requirements and other factors and will be finalized once the implementation is underway. Page 4 of 4 Attachment 7. Sample Account Analysis and Bank Statement User Guide TREASURY SERVICES J.P. Morgan ACCESS Sample Statements Guide J.P.Morgan J.P. Morgan ACCESSR Statements Introduction The J.P. Morgan ACCESS Statements tab provides a centralized location for all Bank, Billing, and Liquidity statements.. Statements are available for U.S. and non -U.S. J.P. Morgan accounts. Bank Statements capture all the transactions for a set period of time by account Billing Statements are based on customer usage of financial services and the related charges for a set period of time. The volumes of transactions by product are captured by account. Liquidity Statements captures all liquidity transactions based on type: Investments, Cash Concentration, and Pooling. J.P. Morgan ACCESS- hNrth s Brice i ' v.wp �• „F �1 SCARCIC ri K[Wq .pnul tum Proaecbw Nw - AMOW Ow. Oetpal - St8168 "SUS& two •• UTAAr Si 3W USO 43N, WeL LSV '' 1aG3;8132,j15'S uaa n'r-kw.11 fr r CSV -. I,het7#7#9Y97�Tf Lev ... JT -v 11 f1pl CSW 1i 6aS.1#3S Lud '.:.ar,Ap•i� 1.OY6.PPusaPor,EitcaLcglr,ata15xsT r ubml5e2l:St L -al _� VIP 11 irnl. Cge Ow deeSeuyca is uta `' Ot- CFS# Exit c%W i_1 ]Co1T2}5A73166 Lara '.:: 6T�•1R E,:+nr C3V i1 �pfa15JGRZ865 L*eq �--07#-5+ Er¢yr, qv aeasnar9ener teed ^ 4r AV 14 tT eLSA SaF. Fa4Lc;Y J.P. Morgan ACCESS®Sample Statements Guide 2 Table of Contents Bank Statements IOverview................................................................................................................................................................................4 .N Sample U.S. Account Bank Statement in Excel° format................................................................................................. 5 Sample non -U.S. Bank Statement in Excel format.......................................................................................................... 9 Sample U.S. Account Bank Statement in CSV format................................................................................................... 10 Sample non -U.S. Bank Statement in CSV format...........................................................................................................12 Sample U.S. Account Bank Statement in Adobe° PDF format......................................................................................13 Sample non -U.S. Bank Statement in Adobe PDF format...............................................................................................16 Billing Statements Overview...............................................................................................................................................................................19 Sample U.S. Account Billing Statement in Excel format..............................................................................................20 Sample non -U.S. Account Billing Statement in Excel format...................................................................................... 23 Sample U.S. Account Billing Statement in CSV format................................................................................................. 26 Sample non -U.S. Account Billing Statement in CSV format..........................................................................................27 Sample U.S. Account Billing Statement in Adobe PDF format....................................................................................29 Sample non -U.S. Account Billing Statement in Adobe PDF format.............................................................................31 Sample Billing Statement in BSB TWIST format............................................................................................................ 37 J.P. MorganACCESS''Sample Statements Guide Overview Bank Statements are generated monthly or for a set time period for both U.S. and non -U.S. accounts and are available for download based on the statement retention requirements for each country. Bank statements contain all account activity (debits/credits) for the period and include: ■ Transactions grouped by category and listed in separate sections ■ Remarks, Transaction Descriptions and Reference numbers for each transaction ■ U.S. account statements capture the Closing/Ending Balance for each business day in a the statement period ■ Non -U.S. account statements capture Closing Balance and Running Balance for each transaction in the statement period ■ Check images are available for users to view individually online or for bulk download. J.P. Morgan ACCESS - Sample Statements Guide 11 Sample U.S. Account Bank Statement in Excel format U.S. Account Bank Statement in Excel format shows each section of the Bank Statement in a separate sheet: Summary, grouped transactions (e.g., Checks Paid, Electronic Withdrawals), and Daily Ending Balance. Summary: F G H O"IPTIOH INSTANCES MARKET VAIUVU.3UVNT $HAA{$ ACCOUNT NUM ACR ACCOUNT NAME Bel i nn lnS Ba l anoe 0 996907.96 06bb000123456789 PAYMENT & COLIFCTI ON ACCOUNT Depos'a and •ddlNkora 63 683673,63 0044000123456739 PAYMENT & COLLECTION ACCOUNT [h.dk Paid 50 624MO,88 00bb"JI23456789 PAWENT & COLLECTION ACCOUNT flraroniC w TNdrawals 36 612336.72 D0bb080123456739 PAYMENT & COLLECT4CIN ACCOUNT Endin@Snla- 149 443863.49 00bbOW123456789 PAYMENT&COLLECTION ACCOUNT B lea F w. SLUDIuarY.DeDoaLnand,Addldprss_ .. RIec�P4i1 Eieea_v_n_c_Withdrawals_�_Raiy_Endny_EWbn[e Deposits and Additions: . A a C P E E G i DATE DesuiPIION tiMOUNT ACCWNTNIIA MA ACMUNT LANAE 2 CAM REMOTE CNL1NE DEPOSIT 1234 66S7.22 adbbWD1?34567$9 PAYMENT& CGU.ECEION ACCOUNT 3 131102 JPMORGAN ACCESSTRANSFER FROM ACCOUNT 00bbW123456739 1713.85 00bb000123456789 PAYMENT & COLLECTION ACCOUNT 4 43102 JPMORGAN ACCESS TRANSFER FROM ACCOUNTOGbbo02234567$9 24259 OobbONV 4557$9 PAYMENT& COLLECTION ACCOUNT 5 011103 REMOTE ONLINE DEPOSIT 1234 5678.49 00bbOW1234%M PAYMENT$& COLLEC71ONACCOUN7 5 01103 ORIG CO HAME:7LT2 Company LTO CIRIG ID:1234567890 DESC 01 9514.13 00bbOW1234;6789 PAYMENT& COLLECTION ACCOUNT 7 '41103 JPMORGAN ACCESS TRANSFER;ROM ACCOUNT DOb6001-23456789 7150-16 0Gbh404123d56M PAYMENT& COLLECTION ACCOUNT a 011106 REMOTE ONLINE DEFOSTT 1234 61804.04 Wbb0W12M56iffi PAYMENT& COLLECTION ACCOUNT 4 03106 JPMORGAN ACCESS TRANSFER FROM ACCOUNT WbbO012345V" 3871.37 00bbWO123456789 PAYMENT& COLLECYICIM ACCOUNT 1001106 JPMORGAN A=TRANSFFR FROM ACCOUNT00bbWL23456M 1286.93 Wbh000123456789 fiAYMENT&COLLECTIoNACCOUNT 12 011107 REMOTE ONLINE DEPOSIT 5234 2040.34 WbboW1234%m PAYMENT&COLLECTIONACCOUNT 1.2 41107 JPMORGAN ACCESS TRANSFER FROM ACCOUNT DObb0O121456T89 6306.36 Wbb0001234567SP PAYMENT& COLLCCTION ACCOUNT 13 1311107 ORIG CO NAME:7LY2COmpany LTD ORIG ID:1234567890 DESC DATE 2939.73 WbbW0123456789 PAYMENT& COLLECTION ACCOUNT 74 X01107 JPMORGAN ACCE55 TRANSFER FROM ACCOUNT00MbW123456789 2878.15 oobb0o17123456i89 PAYMENT& COLLECTION ACCOUNT 15 01108 REMOTE ONLINE DEPOSIT 1234 106i6.41 60bbW0123456789 PAYMENT & COLLECTION ACCOUNT 16 W09 REMOTTcONLINE DEPOSIT 1234 16649.55 DDISbO0123456789 PAYMENT& COLLECTION ACCOUNT I Y ovio REMOTE ONLIW OEPGSIT 1.134 w$vn oWbvmi234587$9 PAYMENT& COLLECTION ACCOUNT- CCOUNT18 isWIG ORIG CGNAME:14Y2 Company LTD ORIG 10:1234567890 DESC IN 9059,21 00bb0W123456789 PAYMENT& COLLECTION ACCOUNT 19 01120 JPMORGAN ACCZ55TMPWER FROM ACCOUNT90bbW12Ma789 957.59 00Mb0o0123456789 PAYMENT& COLLECTION ACCOUNT 20.01113 REMOTE ONLINE DEPOSIT 22#4 96081.56 00bb0001234%M PAYMENT & COLLECTION ACCOUNT 21 01113 JPMORGAN ACCESS TRANSFER FROM ACCOUNT WbbW123456789 7561.67 00bbMO1234567a9 PAYMENT& COLLECTIONACCOUNT 22'011M JPMORGAhl ACCESS FRA45FER FROM ACCGVNToobtW123456789 7454, 21 oobboo0uU%789 PAYMENT& COLLECTION ACCOUNT 22-01(14 ORIG CO MAME XYZCnmparly LTD ORIG 10:1234%7SW DESC ELATE' 01%.01 00bb00012MS6789 PAYMENT& COLLECTION ACCOUNT 24 02/23 REMOTEONLINE DEP05IT 12.34 44419.6409bbooG123456789 PAYMENT& COLLECITONACCOUNT 25 01123 JPMORGAN ACCESS TRANSFER;ROM ACCOUNT DOMW1214.56789 2457.35 00bbOX123456789 PAYMENT & COLLECTION ACCOUNT 26 41124 REMOTE ONLINE DEPOSIT 1234 1.4137.9100bbODD123456789 PAYMENT & COLLECTIONJACCOUNT 21 91/27 ORIG CO NaAMS:xr7 Company LTG ORIG 10-12345679-90 DESC UJ 9-194,33 0DbbQX1234%M PAYMENTCOLLECTION ACCOUNT 26 41127 1PMORGAN ACCESS rRANSFER ;AOM ACCOUNT00bb0012MS6789 4974.5 00bbd0012M%789 PAYMENT & COLLECTION ACCOUNT 29 131128 REMOTECNLINE DEPO5TT 1234 63311,08 CIDSW0123436789 PAYMENT& COLLECTION ACCOUNT 10.011a OR IG CO NAME:W Company LTO BRIG 0:1234MCnW DET[ DATE 280,07 Wbbd0012US67V9 PAYMENT & COLLECTION ACCOvNT 31 01129 REMOTEONLINE DEPOSIT J234 18623.5 00bbODD12MM789 PAYMENT $& COLLECTION ACCOUNT 32 01134 REMOTE ONLINE DEPOSIT 1234 305M.39 0WWW12M567$9 PAYMENT& COLLECTION ACCOUNT 3301131 REMOTE ONLINE DEPOSIT 1234 4653.5100bb000123456789 PAYMENT.& COUFCTIOk ACCOUNT 34 01131 ORiG COHAME;RYZCompa" LTD ORIG ID:3234567890 DESC DJ 8950,5 00bbOD0123456789 PAYMENT& COLLECTION ACCOUNT 35 01131 JPMOWAN ACCESS TRANSFEP I:ROM ACCOUNT 4Wbb 1234567$4 $993.2$ 00tb0001234%M PAYMENT& COLLEC7IONACCOUNT 36 37 Total Deposits and Addldons SSM73,53 i� +� x I s.al.I..v s>.nnate a i AMIrLrwla tL.� Pa! - a.eerelral4leiidrsk , , mi& F.Id.Ie �.er.. �� I J.P. Morgan ACCESS-' Sample Statements Guide 1 Checks Paid: J.P. Morgan ACCESS®Sample Statements Guide 6 C_ 1 CH ECR NLUBER DATE PAID AMOUNT ACCOUNT NUMBER 4CCOUNT NAME 2 123456 2014-01-27 474.2 OUithDQUi 345-07 PAYMEENT&CCI LECTION ACr,01U MT 3 123454201401-46 250!)L4QW12M567tPAYMENT&COLLECTWNACCOUNT d 123456 201441-07 793,12 00bb004123456-A PAYMENT&COLLECTION ACCOUNT 123456 2014-01.03 467,28 04i3b0001234567I PAYMENT & COLLECTION ACCOUNT 5 12345-0 2014-41.07 107M.22 00bb00412345671 PAYMENT & COLLECTION ACCOUNT 7 1234% 2014-01-09 2310 WbbO0012345671 PAYMENT& COLLECTION ACCOUNT S 323456 2014-D1-10 361 04hbD0012345671 PAYMENT & COLLECTION ACCOUNT 9 123456 2014-01-17 2556,85 90hbDW12M5671 PAYMENT& COLLECTION ACCOUNT 10 123456 2014-01-19 147 00bb00812345671 PAYMENT & COLLECTION ACCOUNT 11 123456 7314-01.14 874.5 0Dbb06O1234%7I PAYMENT& COLLECT*N ACCOUNT 12 128456 21110-01.09 1486 00bbOW12345671 PAYMENT & COLLECTICIN ACCOUNT 13 123456 2014-01.13 19 00bbOWt214567! PAYM5 NT & CbLLr=CT3d N ACCOUNT 14 123456 2014 01 10 IM Xbh0001Z34567i PAYMENT & COLLECTiON ACCOUNT 15 . 123454 2014-01-31 1153-34 Qobb44412345677 PAYMENT & COLLECTiON ACCOUNT 16 123456 2014-01-24 137952,45 00460041234557! PAYMENT & COLLECTION ACCOUNT 17 123456 2014.01.29 1834,9 00bb00OI2345671 PAYMENT & COLLECTION ACCOUNT 18 1234M 2014-01.29 1067.25 00bbOW1234 N PAYMENT & COLLECTION ACCOUNT 19 123456 2014.01.31 1895 00bhOU412345671PAYMENT&COLLECTION ACCOUNT 20 123+456 2014-01-31 352 GGWO0Y234567LPAYMENT&COLLECTION ACCOUNT 21 123456 2014-01-30 236 0Ub2=12345871 PAYMENT& COLLECTION ACCOUNT 22 123456 2014-0134 400 00bb00413345674 PAYMENT& COLLECTION ACCOUNT 23. 123456 2014-01.29 2450 00bbDDO12345671 PAYMENT& COLLECTION ACCOUNT 24 12,456 2014.01.30 232,25 00bbO001284%7! PAYMENT & COLLECT3ON ACCOUK7 25 IL5456 2D1401.31 924.54 OOWWJL23456?f PAYMENT & COuL�CVON ACCOUNT 26 123456 2014-01-30 656 MbbO 0i23456W PAYMENT& COLLECTION ACCOUNT 27 1234562014-01-29 66 DAg4004I234567lPAYMENT&LOLL-ECTIONACCOUNT 28 123456 2014-01-24 640 00bb00412345671 PAYMENT & COLLECTION ACCOUNT 29 1234M 2414-01.30 158917,06 0%b0=3.23456 -A PAYMENT & COLLECTION ACCOUNT 30 123456 2014.01.30 497.55 00bb0041234%7I PAYMENT & COLLECTION ACCOUNT 31 32 Total Checks Raid -024334.88 33 34 35. 36 37 N PF Summary Dewsats aria NdaRwns Checks Pad Fiactrw c WRhdrawaL Only Endrig Baknce J.P. Morgan ACCESS®Sample Statements Guide 6 Electronic Withdrawals: i ❑ATE DESCRIPFiON 2 01/02 ORIG CC NAME:IRS ORIG JD:1234567000 DESC 3 01/03 DRIG CC NAME:ABC COMPANY LLC DRIG 10:123451 4 CHIPS DEBIT VIA: ABC BANK, N.A./6123 A/C: ABC COW _01/09 5 01/0 ORIG CO NAME:IRS ORI(1D:1234567000 DESC 6 01/09 ORiG CC NAMEARS ORIG JDA234567000 DEC 7 01/10 OR16 CO NAMC:ABC COMPANY LIC DRIG Ip;123454 8 01/10 OR1GCCNAME:iRS ORIG ID:1234567000DESC 9 01/16 CHIPS DEBIT VIA: ADC DANK, N.A_/(1123 A/C' ASC COMI 10 01/16 JPMORGANACCE55TRANSFERTOACCOUNT 00b60612 11 01/16 ORIG CONAME:IRS OR161DA2345670MOESC 12 01/16 ORIG CO NAME:XYZ Company LTD DRIG IDA2345675 P. 01/16 ORIG CO NAME:W Company LTD ORIG 10:123456M 14 03/16 ORIG CC NAME:MYZ Company LTD ORIG 10:1234567€ 15 01/16 ORIG CC NAME:XYZ Company LTD ORIG 10:1234567E L6 01/16 ORIG CO NAME:XYZ Company LTO 4RIG 1D3234567E 17 01/16 ORIG CO NAME:XYZ Company LTD ORIG ID:1234567E 18 O1/16 DRIG CC NAME'7XYZCompany LTD ORJG L01234567E 19 01/16 ORIG CC NAME:XYZ Company LTD ORIG I D:123A567E 20 01/16 ORI( CC NAME:XYZ Company LTD ORI(jI D:12345675 21 131/16 ORIG CO NAMF;XYZ Company LTD ORIG I0:1234557E 12 OL/16 DRIG CO NAMEAR5 DRIG 10:1234567W0 DE5C 23 O1/17 ORIG CO NAME:ABC COMPANY LLC ORIG ID:12345t 7A 131/22 CHIPS DC91T VIA: AE,C BANK, N.A.10123 A/C' ABC COM; 25 01/23 ORIG CC NAME:1234 MNO DRIG 1D:3245966922 DE 26 DI/21 ORIG CO NANIFARS BRIG 10:12345670(10 DF SC 27 01/23 ORIGCCNAMEARS ORIG1D:1234567000DUC 28 01/24 JPMORGAN ACCESS TRANSFER TO ACCOUNT OObbM:L2 29 01/24 ONG C4 NAME:ABC COMPANY LLC ORIG ID123454 30 01/28 JPMCRGAN ACCESS TRANSFER TO ACCOUNT OObbWI2 31 Ul/30 CHIPS DEBIT VIA: ABC BANK, N.A,/0123 A/C: ABC COME 32 01/30 ORM CO NAME:iRS DRIG iD:1234567000 DESC 33 01/30 ORIG CO NAMEARS ORIG 10:1234567OW DESC 34 01/31 ORIG CO NAME:ABC COMPANY iiC ORIG 11):0345( 35 toialflecuonlcwlzn�rawa:s 36 37 14 4 4- H I Suenvro Mcw,s s and Addtnm _ dwwr s Pall _ E1e C D E F G H AMOUNT AOCOVNTNUMBER ACCOUNT NAME 697.2 (4bh00012345fi739 PAYMENT & COLLECTION ACCOUNT 1567.6 UDbbOW223456789 PAYMENT & COLLECTION ACCOUNT 2600 04bb000123456789 PAYMENT & COLLECTION ACCOUNT 718.55 UObb=12345C>769 PAYMENT & COLLECTION ACCOUNT 14.37 OObbOD0123456789 PAYMENT & COLLECTION ACCOUNT 1620.56 44bbQWLZ3455789 PAYMENT & COLLECTION ACCOUNT 75.43 O0bb000123456789 PAYMENT & COLLECTION ACCOUNT 4$135 wbbow)23456789 PAYMENT & COLLECTION ACCOUNT 813.14 46bbOW123456789 PAYMENT & COLLEC ION ACCOUNT 907.24 0I1bbO00123456789 PAYMENT & COLLECTION ACCOUNT 214.35 ODbb000123456789 PAYMENT & COLLECTION ACCOUNT 142.18 00hh0001214567$9 PAYMENT & COLLECTION ACCOUNT 1$6.17 000000123456789 PAYMENT & COLLECTION ACCOUNT 156.29 ODbbOW123456789 PAYMENT & COLLEC710N ACCOUNT 148.89 90bb000123456M PAYMENT & COLLECTION ACCOUNT 107.23 OObbOD0123456789 PAYMENT & COLLECTION ACCOUNT 91-5200bQW223455789 PAYMENT & COLLECTIO N ACCOU NIT 79.32 OObb004121456789 PAYMENT & COLLECTION ACCOUNT 77.57 OPbb940123456789 PAYMENT & COLLECTION ACCOUNT 62.94 0Dbb*W123456789 PAYMENT & COLLECTION ACCOUNT 18.32 UphbQW123455789 PAYMENT &COLLECTIONACCOUNT 1652.88 001bb000123456789 PAYMENT & COLLECTION ACCOUNT {74.2 00bWW1234567$9 PAYMENT & COLLECTION ACCOUNT 3510 O0bbOW123456789 PAYMENT & COLLECTION ACCOUNT 1437.12 OObb0%I123456769 PAYMENT & COLLECTION ACCOUNT 20.59 ODbbOW223456789 PAYMENT & COLLECTION ACCOUNT 587155 00bbWu:L8456M9 PAYMENT & COLLECTION ACCOUNT 1475.99 O4bb000123456789 PAYMENT & COLLECTION ACCOUNT 327.43 WbbOM123455789 PAYMENT & COLLECTION ACCOUNT 31DUODbb=123456789 PAYMENT& COLLECTION ACCOUNT 903.12 OftbOW123456789 PAYMENT & COLLECTION ACCOUNT 18-59 0ObIXIW123456789 PAYMENT &. COLLECTION ACCOUNT 1554.94 00bbOW1234%789 PAYMENT & COLLECTION ACCOUNT 612386 Y2 r Withdrawals 1Dain Endlrq'8a4�Ge fJ J.P. Morgan ACCESS®Sample Statements Guide 1 Daily Ending Balance: A 1 ELATE 2 01/02 3 01/03 4 01/06 5 01/07 5 01/08 7 01/09 8 01/10 _9 01/13 10 01/14 11 01/15 12 01/16 13 01/17 1401/21 15.01/22 16 01/23 17 01/24 18 01/27 19.01/28 20..01/29 21.01130 .22.01/31 23 7-4p- 0. 14 B C AMOUKf ACCOUNT NUMBER 1004824.42 00bb000113456789 1020137.32 OObb000123456789 1087074.66 00bb000123456789 993407,9 OObb0001Z3456789 1003924.81 OObbO00123456789 948077.01 0044000123456789 965070.54 00bb000123456789 1069563.34 06bbO00123456789 1079839.13 OOb4O00123456789 1009513.04 00bb000123456789 1025322 OObb000123456789 106%20.53 00bb000123456789 1080953.68 OObb000123456789 1114792.71 O0bbO00123456789 1157101.99 00bb000123456789 453168.22 00bb000123456789 466203.43 OObb000123456789 546230.11 OObb000123456789 559441.46 OObb000123456789 430145.52 OObb000123456789 443863.99 00bb00o1.23456789 D ACCOUNT NAME PAYMENT & COLLECTION ACCOUNT PAYMENT &COLLECTION ACCOUNT PAYMENT &COLLECTION ACCOUNT PAYMENT & COLLECTiON ACCOUNT PAYMENT &COLLECTION ACCOUNT PAYMENT & COLLECTION ACCOUNT PAYMENT & COLLECTION ACCOUNT PAYMENT &COLLECTION ACCOUNT PAYMENT & COLLECTION ACCOUNT PAYMENT & COLLECTION ACCOUNT PAYMENT &COLLECTION ACCOUNT PAYMENT &COLLECTION ACCOUNT PAYMENT & COLLECTION ACCOUNT PAYMENT &COLLECTION ACCOUNT PAYMENT & COLLECTION ACCOUNT PAYMENT & COLLECTION ACCOUNT PAYMENT &COLLECTION ACCOUNT PAYMENT &COLLECTION ACCOUNT PAYMENT & COLLECTION ACCOUNT PAYMENT &COLLECTION ACCOUNT PAYMENT & COLLECTION ACCOUNT 1 E E Balance, t sf J.P. Morgan ACCESS®Sample Statements Guide 8 Sample non -U.S. Account Bank Statement in Excel format Non -U.S. Account Bank Statement in Excel format shows all transactions for the statement period in chronological order in the same sheet with the running balance against each transaction. A{ O E 1 1 ACC*UNTNAME ACCOUN, NtlMEXE SWEFA HF PtA100 CI11tRENCYTAX4O REFERENCE 2 ABC CON+o-ANV _"CCF OP4h404123A567✓RJ 1214 2101. 71331 lAN 2014 NI{O P.eYIuuF @.13110! 3 ABC COF9vRNY _"CCF OOpbP04123456784 1 JAN2014TO311AN 2019 HKp Inwartl de4nng9eb11 4 RBi COMPANV ACC. OO"M 23.}6789 1114 20191031 _"9141919 NKO Inw4rtl {1edring Oedll 5 ABCCOMPANYACCT OO lb -DW 234567/9 i JJAN 2014 TO 31)AN2014 HKO ImYArtl Cle4nn6Bedil 6 ABCCOMPANY&M 6ubbOWS,34 bM S ATN 2014TOM AN 20,4 H Inwirl C1.ar1ng@vbi1 F AIrC[OMPANYAT.O 60bb0001234i6" I JAN 201410111AN 2614 J3K6 Inward[3R—%l3¢b,l 8 AmcGuPANYApC, OObb000113A567119 11IN 2614 TO313AN 17714 HKp Inward Cl--S[3eblr 9 ABC COWANV ACCT OObb000123456719 S JAN 2614 TO 31 JAN 2011 H. Inward Cleanrrg 0.1b 10 ABC 1011PANV 11,111 00ptr0001AIMI19 1JAN2019T0311AN2019 KKO In=d-1:"n+la9ebl! !2 ABCCOMPANYAM O1trtr0001111'_1,M 7_"4241, TCIII AN 2614 HKO 1nwArd-1 ri9s9etr11 F3 ABCCOMPANYACCT O0d60001 M-1414 )AN 7914 TI} 3 1 JAN 2014 H 1Z"d 0'"g9tltrll 13 ApCCWPANYACCT OOMOW113456769 1JAN 2419 Tall JAN 3014 HKp Inwmd£6Jmg Wtrlr 14 ABCCOMPANYAM OObbaWU34y6T69 SJAN 2014 Ta S3 AN2MA µKO Inward ClwHngpeb1l 25 ABCCOMPANYACCF OObbWW2M56789 1 JAN 21019T031JAN 2014 HKp Inward Geanng9Rbl1 16 AKCOMPANYACCT O166W0111456T89 S IAN2019TI1311AN 111A 1111 Inward4_1 4 ngpebll 17 ABCCJMPANYACCT Wb60001234WM S JAN 21011 TO 31 PAN 7614 HK0 MHttTl4.e Cmdd I AECCOMPANYACCT MII000113436754 1 AN 2619 TO 31 AN 7614 HKO MI7eNFAP CF4d1t 20AMCOMPANY ACCT OObb0001"4!.6719 AN SOLA TG31JAN 20,A HK0 Inward Cl.4nng OtblL 20 AWWMPANYA£[T [KWLaop111958789 1 JAN 20M 7031 JAN 30,9 HK In dClUrin O4bll CF SaAH 2019 10311_"4 1611 HKO 2l ABC COMPANY _"LCF DD Inwud ClearingOeW! 23 ABC6AMPANYAOCT BObbOO61234,6769 I AN 2101, T631JAN 2OI1 HKp InwarlJ"S.-g Oebll 23 ABCCONIPANV ACCT 66bb00012ii54789 iJAN 201, TO 31 IAN 2614 AW In ward Cle4nng 0.1, 14 AMC06APANY ACCT 06bb000113456719 1.AN 7014 TO 31 IAN 2614 HKO Ir,wvrtlClJurmgaedl[ 25 AOCCOMPANYAttI WbWWla4?" I JAN 2014 TO 31 JAN 2014 HID Inward tlearing Ortrll n AMCOL9PANYAO£T 09bb"123414n9 I SAN 2014 TO $17AN 2019 H In[Wrb Gl4n ng�3blr 27 ABCCOMPANYACCF 90bbW ,2345679) J JAN 201_" T031IAN 2074 HKp In"rb Ge9rmg aeblr 21 AMCOMPANYACCF OObbW012345fM 1 JAN 2919 TO M IAN 1019 HKp In4rartl Clearing 1!011 25 ABC COMPANY ACCF OObb"123,IMM S JAN 2619 TO 31 JAN 2011 HKO Inward Cleer,ng Olt, 30 ABCCOMPANYACKT 00bb0001734567d9 i1AN 2014TOd3 AN MMA HK0 ,nw4rtl❑ _P Debi! i3 AWelOMPAWAta pdbbutl0,23,M7g9 iJAN 2614 713331AN 1614 H Inwartl {leanng Behr 32 ASCCOMPANYAOCT 006b0001214MM 1mN 2024 TO 11 IAN 2019 HKp Irw.vrd Clm ,BvbL 33 AIICCOMPANYAQU pOb600017iL8784 I JAN 20141031 JAN 201413x0 Inx'ard p"ring0eb11 3A ABC COMPANY' AC1C1 OObb500123AW?R9 1 JAN 2014TO 31 JAN 203A HKO Inward Cleying Oebll 35 ANCOMPANY ACCT 096bWQI23d,%789 I AN 2071 TC/ 311 AN 2014 HKp lmard Uumng Oebll 36 ABCCOMPANYACCT OObbWOU3AS67d9 IJ AN 2614T631 JAN 2614 MKO Irnrud❑e.nr366eb11 37 AOCCp44PANVA.CCT 06hh0001134_Y714 1 AN 2814TO31J'AN 2014 HR0 Irn d -n m%D bl, u-. a u. 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AN MQ.00 2,56&07 1,239,095.81 bAN CNK 13AAK 4.302.69 1,279,_"3.73 1•AN {HK 111174 6Q130 1,224,16&73 WAN CNK �!-1161 L2i W 1,216,045.13 61AN CHK ,6114 4900.00 1.273556-73 6JAN CHK '"N 833. 10 1.717923-03 64AN CHK ,6 -UN 6,8689131.214,37124 CHK 47.1 -JAN 7,00240 9 -AN M5C t$ -AN MSC 2Y.JAN 356,126&6 3.00901} 71.4.273.14 IQ -JAN MSC 2 LO -JAM 2.057+414'2 1,479,497.97 2,719,773.17 11.4AN CHK 215.1_"94 IM -0 L9 2,60SAA- T 13JAN OW,13-JAH 43 ABCUWPANYACCT ODMO90123+56789 IAN 2MAT031JRN2014 NKp 5932MO 2,59&732.37 1A-JAH CHK, S.-JAh 369.10 !,59.56&77 14-1AN CNN�U-1194 £tNC a2 -MAN 36AW.p3 2MM 2,59$354-27 14.1AN 0410 a]FJAN 7,460.00 $593,35427 11-1AN 041 F15J,W i orlon AS11,13u7 1}4AN CHK , 15 -JAN 53.919.09 2552,44.17 151_"94 CHK115-JAN CHK X25 AN 4,00000 !9.209.30 7.797,739.97 ISJAN oig 11-r 8.577.07 2.30.667A0 If -JAN CHK X16 -JAN 2L2S4.W L679,372A6 VIJAN 04Kii&JAN 39.086.00 2,44.21696 W AN C)NK �L&JAN 564.01 Z4N'72AW b0. AN CHK ,36JAr4 558,0 ?.4,54,13496 114AN {HK , 0 -Aft 3,390.04 2,437,249-96 aC JAN %HK r14JAH L745.00 21436509.98 2@ -JAN CM, 15)-JAN 1.'M= 2,AM 6M56 20 -IW CHK ,16JAN 571.94 2,434,037&2 26JAN CNK i20 -JAN 6,8f.00 2,427,117292 21 -JAN CNK ,21-JAk 1,327.00 ;,916,345-64 1 ' J A _ $ _ _ {_ _ __ p __E _ { G _ H_ --k- _ J e l 39 A13COWPANYA37CT 400btA INA36789 12AN 2014TOUJAN29N NKp II3WANF Ceearing pnlrJt 13 mri CH9'13-MN InW6,W 11905.W34.31 20 AHCCCWPAMYACCT ODWOW173456789 1 PAN 1019 TO31JAN 2Wd HKp Imvard CJ. gpeL.[ 13 -JAN CHK.1}PAN 693706 2,53$752.37 ARCCOMPANYACCT 00b23A%M 1JAN 2019T031YAN2014 HKO 21 600W dm dCleuing NtA 19 -JAN CHK �113AN 14.10 2.59&518.27 22 AECCOMPANYAWT 00bb0001234%M I AN 2014 TO 3ifAN2024 AND b.w4160e4Hng6ebq TA -JAN CHK I&MN 234.00 2,598,35127 22 AOCC6MPAAIVACCT OMbOd0123456784 2AVN 201AT03LPAN1244 HKB Klward V"ring D0W LWAN Ckd .14 -AN 7,000.00 ii41,35+t.27 24 AKWMPA TA17C7 gObh66d3173.15b7S9 1JAN. 0VOIO31JAN2W4 HKO IrcNarA CMarIng PIbIL'-JAN CM �j$--JAN W.000.IV 3,342.364.37 15 AKWMPANTAWT 9ObWWtl1234515M L JAN 2014 T091JAN 2514 NKp Imuy,d Cleanngpeblt 15 -JAN Glx'13-JAN 23,970.00 2,357AM 27 26 ABCCOMPANTACCT 906_760123456789 11AN 2014TO314AN201A HKO InwwdLre mgDebl! 15 -TAN CHK '15,MN 90.20930507,23d,57 27 ABCC.OMPANYACCT Wbb6MUM56783 IIA201AT631JAN79W NIM I—.d[rearingE bi, 15-lAN CNK ,MSMN 6,577.97 2,%..857.00 m ABCC.OMPANYAt[T d0Eb06012M%739 SAW 2614 T45 RJAN 2914 SIK6 In dCre4nnRZM: Sb1AN CHK MAN 21,2_"4.34 2,44,1172.06 ANE"AAPANYAtC3 db01'10Ik1-0%M 39AN 10347g33JAPI" JiK 29 Oa Inw.POCIwringb.V, 4&,AN CNK ,16.7.4 Ja d".6] 2,456,7A61% 3O -e­;*1PAMYAW aobb6001U-.%789 19AN2014TT73J lAN2074 714D 9 H1wud CLW'g peak 11, AN CHI[ ,1. AN MQ.00 2_"34.37.6-16 31 A1CCEWPANT,ACCT OObb0W123L56789 IYAN 20UTURJANM4 HKp IWr dCN4r19g DF*4 1GPAN CHK ,164AN SM.W 2/39,1391% 32 AKaWPANTAM 0006000123 56789 1JAN2OIATO31JAN2011 HAD :"WdCle4ring OeJH[ 17-lAN CHK ,17-1AN 1,39000 2,437,745% 3J AEC{CWPANYACU 0066600173456703 i JAN 2019T1p3LPAN 2004 HKO zAid Cleiring bebrr -AD-AN €HK 21) AN 1,245-110 2,136504.96 di AB[063APANYAM Wbb00012345d783 13AN 261ATOMANM4 HM ZN d[INnng b3Lrt 2NJAN CHK 26.1AN 1/.6.60 7,739,669.96 3 A9CC03APAM&Mt tl19bW1tia%M 11 AN 4WlO3IJANM4 HKp 1—dChWing lDgbn 2d.JAN CHK ,MJAn Y72.99 L934r437-92 3G AOC{;( I WACCr gObb=123456789 I)AN 2614T03.LAN2014 HKp rnNiKA LIRaring pep. W -JAN CHK ,04AN 6A46A0 2_"271372_"¢ 17 Al16C0MV WACCT 0006009123456719 17AN 2WATO31AN2014 KKp IM1W29d CIB4lingpepA 2.1 -JAN CNK ,21 -PAN 1612790 2,925,245A2 13 ABCCOMPANYAM 906b0W1234567J19 IJAN 2014TO31JAN201A HKO Imv.MCImfinOeM 21-lAN CHK 47.1 -JAN 7,00240 2,414,24302 i3 AECCOMPANYACCT M0h0F161234%M iM 201ATOU AN2914 HKO W-H13nb ,Ceba 22-lAN MSC 2Y.JAN 356,126&6 2,01-,123_"2 m ANC! WMRANVACCT WWWI2I-M785 SPAN 201AVS7JAN70i4 HKO _"C3vadng0eh0 21.JAN CHK a25,TAN 699,Od 2.057+414'2 41 AOCCOMPANYACCT OObbW0.U54785 1PAN 2014 T031 JAN 2014 NKp :n WClearing p4Wt 29 -JAN CHK ,SLtAN 23.214.31 2.00Y.332.48 43 ABCC43APANYJICLT WtbW0123a,R6789 1JAN 2014TORAN20LT HKp IPy/4r¢Cle3ring Pe`1J[ 24 -JAN CHK ,24PAN 23,932.00 1r9B5,00DA3 43 ABCUWPANYACCT ODMO90123+56789 IAN 2MAT031JRN2014 NKp dmeadC"rimgpelw 24JRN CMC Y24 -PAN 3,89030 1,911,150.36 44 ABCCOMPANYACCT 00611000123456789 ,PAN 2014TO31AN21N4 HKp Med VNYACAAilyti5C1127-fAN CHG 27 -JAN 725.00 1,980,685.31 a AECaWPANTACCT Wbb0901234507J19 13AN 2014TO2LfAN.?M4 NKO meed Cke4nng 6!171 27-fAN £tNC a2 -MAN 36AW.p3 L954,213.3S 416 AOCCTSMPANYACCT ODWAW01234%M9 SIAN 2014TO311ANZOy4 H[0 Imvard ClRanng DVA4t 27 -JAN CHK X21- AN 31558.00 1.SW9r447-30 A7 A6CCOMP x16 ACCT W6b000123456715 1PAN 201,1031 [AN2314NOD 1rc dCleanng DR t 27 -IAN CHK ,77 -IAN 4k8WW 1,95116147.31 43 AECCQMPANYACCT 00bbOX123A.56713 S3AN 2ONT6311AN 201, i4Kp I.—d C5e.1,%6eMt 2&lAN CM �2&-AN 514.AA 1,955,632.94 49 ABCCOMPANVACCT 00bb00XLNd6783 1 AN 2011 TO 21 JAN 2911 HKO A9e�dCleAr1ngpe1nt 29 -JAN CHK 224IAN 27,261,22 1,521,364.72 Sd AOCCOMPANTACCT 00e 111 Wag 1 AN 2014 TO 31 JAN 2014 T1K0 Inw&d CkNnng D&Mt 39 -JAN CHK X25 AN 4,00000 1,916_",3_712 31 AOCCOMPANVACiT OObb0%;234Sp7a9 3 MN 3010 TO 31 JAN 30161 JMb 1m4"Ck*Hngl�lt 20 -MN CH6 29 -MN 4AS,7_00 1,439.42277 57 A9rWMPAryTAC[T WWON17A136799 1 MN 9914IQ31 AN2014 HKp Im9arit C13Anngpeblt ZgJAN CHK �794AN &19&61 491L227.71 58 49CCOMPANYACCT 0066000123456715 1JAN2014TO31 IAN2034 HKO Pm dCreanngDebJt 30 -JAN CHK .313 -JAN 33,661.00 1,877,57&11 54 TOTAi H%0 Tb1A16r1,167AU7.61 Tet41 Cr 1,500,497.37 NeLWMevt 333,030.14 5S J.P. Morgan ACCESS - Sample Statements Guide Bank Statements I Sample U.S. Account Bank Statement in CSV format U.S. Account Bank Statement in CSV format may be useful when bank statement needs to be fed to another financial system in the company. Each section is displayed one after another. 1 3 Simmary suln�lwy 5 5umm.ly d Summary 7 Sunhr.ary 6 an 9 L'r.ppsn. d A=, AMouNT 10 Daposds mk Addi'm 11 L'rpasAsandA4d4- 12 b1, pasdsand Add 41, ons 17 Depoa46 and A*", $ 13epes ❑d] and AddAibls I DIM. aid Addmcna 16 No. n. and Addmerls 11 pdposAS and A04ian6 A I,-, sand Ad";. 19 Dew. and Addu 1,p 0 prim' and Addmm. 2} Dep.:h' -d Adddi IXl4 22 Dow q"A4dgiwa 23 �.pesas and Adddims 24 L'gpaaAA and Do -, 25 Uepuw and Aednials 26DepoaAs and Ad, 211 o.pe5ne and All`" l2 29 Paposb. andA41ftw. 50 Depom and A.d w 31 Depcsna and AAMiohs 32 Uapese5. All,icMa 33 Dopa 4S WV A ftmP 3A N" ns A11%t 3S Dopwh5 aid Addfl n 35 Oapbi At and rWAiM. 27 6e". a d A111,"IN M "'p -s -d A""_. N NPH. and Adddms 40 Dapp:.f W-4Ad41icnA Li P.pcsnaandAdd- Q 09p05AS and Adimsne CKECPTIHG SL WAWY H.O�r." 11akanca Geme!s and Addtla06 Ch.[in Pad &W- Wrod .'W® EndArg &Mane. SS.9ir 22 4000be0M 0,23466199 51 71955 0090bbOR70o423456T19 S2a2.S9 o00oba40b40123456r99 S5.671.0 00996b00940123456789 59.549.13 OC9oba000o0123656T99 S2,190.1d O0NbWM0012S156r99 561 1,1 &W 0WflW*0@00123156199 53,171.37 0000bD0W00425+56r89 51.18693 ONJOGLPOOOPliJ1%799 52.4,0 3N 4000ba00900425d56F19 $69435 900066400041r3i56F09 52.961 73 IWb80040 4N56199 $2176 t5 9090 W000001 r3l54119 $10,516 91 0W0b600400423i56TA9 516.84955 901)%b000001r456r&9 51.69952 0Mbh00000rrA%1d9 51.192 V 0I 4Xb6U040012U56T19 53280 72 9b00ha0d0001239567a9 59.159.21 00411bDIM0123N56199 $967 sn 49a0nb900p011s.T557� 996.08.59 000obbOM00ni3156189 5T 5f, 61 9000 NA0000523i56189 W4SA 21 48pOb64044042365dT� 54.89$.01 90496404700113i56A19 63 399 21 o0006a08000123d56Y19 53 i 65 0000bb01=923456119 S900 41 080obb00000423d56TAB 92'1.594.35 0000bo0000011y56719 $11571 DKflb50 N'251MrP 57.649 9, OO40b790000T23a56189 $7 55F 39 O940be009001 r34561M 5+13.905 fie 060066044001238561 IT.1899e OMWM0091r3N56719 Marira7 l'aIa9 Am9ynl t. IWO. 0 1995.907 M 63 5683.67?.13 56 5924330 la M 3612 746 72 169 SL43 853 99 Aw,-Nunes PAYMENT 3 COLLE.CTYCN ACCOUNT PAYMENT COLLECTION ACCOUNT 1bAWkNt 8 CCLLECX6 ACCOUNT T PAWRNT 8 COLLECTIC0 ACCOUNT PAYMENT 8 COL LECFICH A GOORIT PAYMENT& CDLLECT" kCCMFTr PAYMENTS COLV-CTM ACCOUNT PAYMENT 9 CDLLECTION ACCOUNT PAYLENT A COLL4CTIDN ►cCMprr PAYMENT 6 COLLECTOW ACCOUNT PAYMENT 8 COLLECTIOM ACCOUNT PAYMENT 8 COLLM"4 ACCOUNT PAYMENT 8 COLLECTM ACCWNT PAYMENT6 C=ECnW ACCCUWT PAYWNT d COLLECT" ACCOUNT PAYAENT A CQL ECtft ACCOIRR PANMENTd COLLECT" ACCOUNT PAYW NT $ COLLECTION AICCOUNT PAYMENT & COLLECTM ACCOUNT PAYAENTB COLLECTTOI! A1C0.'y1NT PAYMENT 8CCLLECTICk ACCOUNT PAY11 ENT 8 COLLECTION ACCOUNT PAYW-NT ACOLLECTP04 ACC6urit PAYMENT& COLLECTION AU.i.1iUINf PAYMENT 8 COLLECTION AMOUNT PAYMENT 9 COLSECTICMACCOUNT PAYMENT 8C W,ECTION A1CDOUNj PAYMENT RCOLLECTIO1t AiCCCUNT PAYAEHT 8CQIjZCTIOx ACDDUNT PAYMENT & COLLECTION ACO NFIT PAYMENT& COLLECTICH ACCaOWl' PAYMENT E COLLECTIOI ACLY711NT PAYMENTS COLLECTION ACCOUNT As W" NambU Acmes }4ma 0P0o6600000123N56AA9 PAYMEI2F A. CCLLECMN ACCON,T 000066090001r3,563M PAYMENT 8 COLLECTION ACGOLN r OCAW604tlW123135T99 PAYMU96 COLL 010N ACCoLuT 0400bb0000012U%189 PAYh1EilT S COLLECTION ACCOUNT 0000bb04000}23!55789 PAYLTUJ 4. C4%LECTION ACCOUNT Accaunt Name PAYMEFTT 6 C9kL.EG71011 ACCOUNT PAYMENT & COLLECTI# ACCOVNT PAYMENT & COLLECIIOW ACCOW9 PAYMENT COLLECTION ACCOUNT PAYMENT & COLLECTION ACCOMM PAYMENT 8 COLI EC11CN ACCOUNT PAYMET4T8 COLLET.?19N ACCOUNT PAYMENTS CQkM12T10h1 ACi,OVNT PAYMENTS COLLECTION ACCOUNT PAYMEt4T8 COLLEUr*N ACCOUNT PAYMENT & COLLECTION ACCOUNT PAYMENT A COLLECTION ACCOUNT PAYMENT A COLLEC3TON ACCOUNT PAYMENT 8 COLLECTION ACCOUNT PAYMENT8 COLLECTION ACCO NOT PAYMENTS COLLIE C DMAOCOUKIT PAYMENT& COLLECTION ACCOVWT PAYMENT & COLLECTION ACCO WT PAYMENT A COLLECi10N ACCOUNT PAYMEW 8 COLLECTION ACCWiT PAW" 8 COLLECTION ACiCOlNN PAYMENT$ COLLEU011 ACCOUNT PAYMENT 8 COLLECTION ACCOUNT PAYMENT& COLLECTION ACCOUNT PAYMEt4T & COLLECT*N ACCOUNT PAYMENT & COLLECrON AOCOUNT PAYMENT & 1911-LECT014 ACCOUNT PAYMFI4T x coLLPC03N Accouw PAYMENTS C4LLEUtDtJ ACCOWIF PAYMENT& COUECT10N ACCOUNT PAYMENTS COLLECTION AOCUVNT PAYMENT & COLLECTIOLI ACCOMY PAYMENTS COLLECTION ACCOLWT J.P. Morgan ACCESYSam ple Statements Guide 10 fib Gepasrls and Adds 53 u241� 000OW13000123456189 FAYMENi & COLLECTION ACCOUNT 5,9 ❑eppsds and Addnw s $2 139 $1 0000W!3000123456789 PAYMENT & COLLECTION ACCOUNT 74 Npgsifs and Addoeaes $4.453 51 40994444004t23156789 PAYMENT & COUEGTtON ACCOUNT 71 DePOsils end AdO4rpwr5 SB 954 0 0000b4400001234 15789 PAYMENT 6 COLLECTION ACCOUNT 72 Docosds and AdMm4s $5.994.29 0000bb40000t23456769 PAYMENT& MLECT1,0N ACCOUNT 73 DoWns and AddAwd6 TOTaI depos,ls and Adddra 9683,673 63 7d 15 76 Checlra Pad CHECK NUM9F_R QATE PAC] AMOUNT Aremni Number 77 Checks Pod 1234 1727t2, 074 56-14.20 DMbb000L4d12M%789 78 C"Kks Padd 1234 "V2014 $25.00 13000bb00400123456T89 T9 Checks Pahl 1234 ir7r2014 $79312 0000440000012,3466769 60.Cheehs PM 1234 ii'y2014 576726 00004440000123466769 81 Chechs Paid 1234 117!2014 5107,040.22 0000bbO0000123466769 62.Chaclm Pad 1231 1+9x2014 5233.85 000O6b00000123859199 83 Checks Paid 12M V76f2O14 $M1 DD 00006h000001234557B9 $S che£k9 R40 1234 171712914 52.566.85 oo00b6D00o0123465709 65 Ch}ckF Pad 123► u1312014 51,132.6, OOOOb4W00001234%7$9 06 Checks Pard 1231 11113+2074 51.067.00 00005400000123456769 87 Checks Pard 1231 V1001A 523604 00006400000123466761 6a'Checks Pad 1234 1774x2014 5171 06 06006400000123496769 19'Chscks Pad 72#4 IIZ2014 ds0.0d o0Mb6090D0T23466769 90 Checks Pad 1231 7MSMM $41200 00006600000123858199 91 Che£k4 Paid 1234 1F4512014 599.2711.65 00006600000123455769 92,Checks PW 1234 171712014 $1,1%5 3 00044400040129456789 93 ;Checks Pad 1234 VIV2044 533150 0060 bb00000123456789 94 Checks Pad 1234 u2b2014 599 54 00004600000123466789 H thacka Pad 12M Irtwo14 5222.04 00006400000123456769 96 ChEcks Pad 1234 Ir2i120u $#54.52 00006h0000612M587B1 91 Checks Pad 1234 V11d2014 $1.444.80 0000b600000123858769 98'Checks Paid 1231 WV2014 51.15334 )D)Dbb000M123445UR9 99'CneeksPeal 1234 Ira ra$A $13-1.%245 00006600000123456799 104 Checks P41id 1231 Q04451.834 90 0000b400000123456789 101 Checks Pad 1234 N2MOW 51.06725 0000bb00000123456709 102 Checks Pad 1234 V?1r101t Si."S.00 0000h600000123456769 103 Checks Pad 1234 16WO14 1,23275 0DOG6690710012345676A 1M Checks Ped 7234 lmrn t4 54245.1 000O6h00000123456768 105 Checks Ped 1234 WWI] 6656.00 ODOOh600000 123456709 106 Checks Peal 1234 172$12014 566A0 0000b6o0000123466709 107 ChecksPald 1234 1724x2014 Sfi0400 0400br00400123856T89 108.Check$ PM 1234 173072014 #15$.91706 0000bbOD0001234667B9 409.Chacks Pard 1234 1!3072074 3197 54 0000bbD0000123456789 114 Checks Pad Total ChecMa Pad 56N.336 6E Accaunt Name PAYMEFTT 6 C9kL.EG71011 ACCOUNT PAYMENT & COLLECTI# ACCOVNT PAYMENT & COLLECIIOW ACCOW9 PAYMENT COLLECTION ACCOUNT PAYMENT & COLLECTION ACCOMM PAYMENT 8 COLI EC11CN ACCOUNT PAYMET4T8 COLLET.?19N ACCOUNT PAYMENTS CQkM12T10h1 ACi,OVNT PAYMENTS COLLECTION ACCOUNT PAYMEt4T8 COLLEUr*N ACCOUNT PAYMENT & COLLECTION ACCOUNT PAYMENT A COLLECTION ACCOUNT PAYMENT A COLLEC3TON ACCOUNT PAYMENT 8 COLLECTION ACCOUNT PAYMENT8 COLLECTION ACCO NOT PAYMENTS COLLIE C DMAOCOUKIT PAYMENT& COLLECTION ACCOVWT PAYMENT & COLLECTION ACCO WT PAYMENT A COLLECi10N ACCOUNT PAYMEW 8 COLLECTION ACCWiT PAW" 8 COLLECTION ACiCOlNN PAYMENT$ COLLEU011 ACCOUNT PAYMENT 8 COLLECTION ACCOUNT PAYMENT& COLLECTION ACCOUNT PAYMEt4T & COLLECT*N ACCOUNT PAYMENT & COLLECrON AOCOUNT PAYMENT & 1911-LECT014 ACCOUNT PAYMFI4T x coLLPC03N Accouw PAYMENTS C4LLEUtDtJ ACCOWIF PAYMENT& COUECT10N ACCOUNT PAYMENTS COLLECTION AOCUVNT PAYMENT & COLLECTIOLI ACCOMY PAYMENTS COLLECTION ACCOLWT J.P. Morgan ACCESYSam ple Statements Guide 10 Sample U.S. Account Bank Statement in CSV format (cont'd): 113 FJectrdnit Wdbdrewala DATE DESCRIPTION "A Electronic Wilhdrawals 2Jan ORIG CO l"E ABC 115 FJertmnrc Wdbckaerals 1W n ORIG CO NAME ABC 116 ElKlmnie Wilhdraelals 174an ORIG CO NAME.XYZ Con 117 Electronic VVNl —als 2j.lan CLAWS DEW VIA ABC E 118bactronic Wandiawale 23 -Jan ORIG CO NAME.ABC Cor 119.E1ectrum Withdrawals Z34an QRIG CO NAME ABC 120 Ek tronic Wdhdrawals 23 -Jan ORIG CO NAME ABC 121 Electronic Withdrawals 2"an JPMLIRG N ACCESS TR 122-Elettrbnit Withdrawals 2&,ian JPMORCM ACCESS TR 123'EIsclronic Wnhelm"s 3"an CHIPS DEW VIAABC E 124 El tLrdnrc WiOidrawala 31-1.n ORIG CO NAME XYZ Con 125 Electronic Wilhdrawals Total Elsclwic VAbdrawals S612.W.72 126 51. 066.568 34 000OW00001234567a9 PAYMENTS COLLECTION ACCOUNT 727 14 -jam AMOUNT Account Number 569720 KWbb0WNI23456789 118.32 OOOObbO0000123458789 S1.65288 0000b600000123656789 SG73.Z0 0000664000012345&789 S3.51000 0006bb00000123456769 $1.93712 Q0%bb0W01Z3455169 530.59 0000b606000t23356789 $507.15473 Q00Q66004QQt23455769 S32743 OO11Gbbd4400t23458789 53.10000 0000bb00000Q3655784 S1.554 Sit OOOOb600000123456789 ACcMinl Mame PAYMENT & COLLECTION ACCOUNT PAYMENT & COLLECTION ACCOU4iT PAYMENT & COLLECTION ACCOLItJ PAYMENT & COLLECTION ACCOLINT PAYMENT & COLLECTION ACCOUNT PAYMENT & COLLECTION ACCOUNT PAYMENT & COLLECTION ACCOUNT PAYMENT & COLLECTION ACCOUNT PAYMENT & COLLECTION ACCOUNT PAYMENT & COLLECUON ACCOUNT PAYMENT 8 COLLECTION ACCOU14T 128 wady Ending Balance DATE AMOUNT Accuunt Number Accoutrl Name 129 Daly Ending Swance 24an 51.004.826 42 OOOObb00000123456789 PAYMENT & COLLECTION ACCOUNT I 3 Daily Ending Balance 3 -jam $1.920.137 32 00006600000123456789 PAYMEW & COLLECTION AGCgUNT 131 Daily Ending Balance 5jan S1.0137,074.66 0000tW0000123466789 PAYMENT & COLLECTION ACCOUNT In Daily Ending Balance 7 -Jun S993A07 9Q 0000hh009001234567$9 PAYMENT & COLLECTION ACCOUNT 133 Early Ending Balance Brian 51,003.924.81 400OeW00001236567E9 PAYMENT & COLLECT10N ACCOUNT 134 Daly Ending Balance swan 5448.077 41 0000Db000001234567139 PAYMENT 8 COLLEC11ON ACCOUNT 135 Daily Ending Balance 10,1.h 5965,070.53 00006b000t10123456789 PAYMENT & COLLECTION ACCOUNT 135 Daly Ending 6atanea 13 -Jan 51. 066.568 34 000OW00001234567a9 PAYMENTS COLLECTION ACCOUNT 137 Daily Ending Balance 14 -jam $7.879,83913 4000bbOO0001234567$9 PAYMENT & COLLECTION ACCOUNT 136 Oady Ending 6alahce 15,1an S1 009.513 04 0000bW00001234567B9 PAYMENT & COLLECTION AGCOUNT 139 Dmly Ending Balance lWan 57,1)25.322.00 0QOObh00000123456799 PAYMENT R. COUECT10N ACCOUNT 140 Daly Ending Balance 17,1an 51.069.620 53 000Oab00000123456789 PAYMENT & COLLECTION ACCOUNT 141 Dady Ending Balance 214;im 51,U80.933.s8 9000hh 00 0012 34 5 6 719 PAYMENT & COLLECTION ACCOUNT 142 Daily Ending Balance 22 -Jan S1, 114,792 71 0000Eb000001234S5769 PAYMENT & COLLECTION ACCOUNT 143 Daily Ending Bmtance 23 -Jan $1.157.101 99 0000bh040001236567a9 PAYME17T & COLLECTION ACCOUNT 144 Daly Ending Balance 24 -jam $453.169.22 OOOOen00000123356789 PAYMENT & COLLECTION ACCOUNT 145 Daily Ending Balance ZT,fan 5466.203 43 0000bb00000123456719 PAYMENT & COLLECTION ACCOUNT 146 Daily Ending Balance Man S546,230.11 0000bb000001234S67E9 PAYMENT & COLLECTION ACCOUNT 147 Daily Ending Slatance 294an 555946145 0000au000001234567139 PAYMENT & COLLECTION ACCOUNT 148 Daily Ending Balance 3"an 5330.145.52 4000bbb00007234567$9 PAYMEk7 & COLLECTION ACCOUNT 149 Oa+Iy Ending Balance 31 -Jan 5443.863.99 0009W00001234567139 PAYMENT& COLLECTION ACCOUNT 150 151 152 153 1S1 ii / r ri . Oum tk CSV E�ple IPM !lank S. y] 1 J.P. Morgan ACCESS-' Sample Statements Guide 11 11 Sample non -U.S. Account Bank Statement in CSV format Non -U.S. Account Bank Statement in CSV format may be useful when the bank statement needs to be fed to another financial system in the company. All transactions for the statement period are listed in chronological order with the running balance against each transaction. A B D 1 ACCOUNT NAME ACCOUNT NUMBER STATEMENT PERIOD CURI 2 PAYROLL ACCOUNT 00006600000123456789 1 JAN 2014 TO 31 JAN 2014 HKD 3 PAYROLL ACCOUNT 00006600000123456789 1 JAN 2014 TO 31 JAN 2014 HKD 4 PAYROLL ACCOUNT 00006600000123456789 1 JAN 2014 TO 31 JAN 2014 HKD 5 PAYROLL ACCOUNT 00006600000123456789 1 JAN 2014 TO 31 JAN 2014 HKD 6 PAYROLL ACCOUNT 00006600000123456789 1 JAN 2014 TO 31 JAN 2014 HKD 7 PAYROLL ACCOUNT 00006600000123456789 1 JAN 2014 TO 31 JAN 2014 HKD 8 PAYROLL ACCOUNT 00006600000123455789 1 JAN 2014 TO 31 JAN 2014 HKD 9 PAYROLL ACCOUNT 00006600000123456789 1 JAN 2014 TO 31 JAN 2014 HKD 10 PAYROLL ACCOUNT 00006600000123456789 1 JAN 2014 TO 31 JAN 2014 HKD 11 PAYROLL ACCOUNT 00006600000123456789 1 JAN 2014 TO 31 JAN 2014 HKD 12 PAYROLL ACCOUNT 00006600000123456789 1 JAN 2014 TO 31 JAN 2014 HKD Previous Balance 31-0ec E F G M I J 1: 1 544 485 97 InwardClearing De61t 2 -Jan CHK , 2Jan16,008.00 121766 11 526,47297 Inward Clearing Debit 2 -Jan CHK , 2 -Jan 48,398 .00 1 480 079 97 Inward Clearing Debit 2 -Jan CHK , 2Jan550 6W 1 1 479,529 97 Inward Clearing Debit 3Jan CHK , 3 -Jan 103,430 00 1 376,099 97 Inward Clearing Debit 3Jan CHK , 3-Jan103,431.00 30 BOB 00 1 272,668 97 Inward Clearing Debit 3 -Jan CHK , 3 -Jan 10,449.00 1 262,219 97 Inward Clearing Debit 3Jan GHK , Ilan 25,536.00 1,7_36683 97 Inward Clearing Debit 3Jan GHK , 3Jan 2,588.09 1,234,095.88 Inward Clearing Debit Ilan GHK , Ilan 4,302.65 1,229,793.23 Inward Clearing Debit ,,Jan GHK 'Ian 624.5 1,229,168.73 A C . _Tv —. • P E F G M I J 1: L 1! PAYROLL ADCOUHT 0000h60000G1234567831JAN 2014 TO 31 M2611 HKO lees rd0—.qOW W- CW - 611"1 121766 1.2 T4M.17 14 2#AYRCL.L AOMuNT 09G]L686009673456795 1 imi 7014 TO 31 iM 2014 FMO "Nam Owl Dan WM OM him A A0U 00 !223.536.13 15 PAVRDU ACCOWNT NMLgg0p0012?t667" 1 JAN 20t4 Til 31 JAN 1014 HXO fiend Clewrg RIW 5J7n CHK G-hq 6W 1 S 272.923 63 14 PAYRALL ACCOUNT 006UL690000123456789 1 JAM 2014 TO 31 JAN 2014 HKO ln1HR CHa7Inp ^-" III CHK 64M 8.660 3 1 .21427320 1 i PAYRULL AC P01 W 00006h00006173d56794 i JAIL 7014 TO 31 JAN 2014 HNT] A r-11 ..r.�l C1.W III , M9C Sj_ 30 BOB 00 i 211 773 20 10PAYROLLACCWUtT 00M660700012%5678 0 1 1910 2014 14 31 JAN 201A WO Nbscaaveoaa Cr,* 1". MSC � TOJYI 1+70.9797 TT1a 771 IT 15 PAYROLL AGCOUINr g9W66000C4123456795 1 JM -71110 31 JAN 2014 HKO I0eiiud C4earng04W 13Jan OW IWM 1151088 W 2 605.891.37 24 PAYROLL Al C.QQU T 0060h6000M 173456789 1 JAN MM TO 31 NAO 2014 HKp Legd Cle-eg 4.W 13Jon CW , 13,W 6 93? 00 2.5967$237 21 PAYROLL ACCOIRiT 09NLa+X10M123454T89 1 JAN 2074 TO 31 Jb A 2014 HKO In am Ge4nlg Deal 1"an CCK ta,ian 463 1 2.696.69127 11 PAYMXL ACCOUNT "fle"b 00000173456709 1 im 21AW TD 31 JAN 2014 HIO h"e"rd Cleirrg Delle 1Wrr CHK Wm 734 2.696354.27 23 PAYROLL ACCWJ 90MW40MI1234%M i JAN 7014 TO 31 J412014 HKO ha,.arn Clesrnq 00A 1tjw CW a JJ-jm 7100 00 2 59 MJ 27 74 MyROLL ACCOUI;T MWbb00000123156785 1 JN4 701.1 TO 31 JAN 2014 HMD heal Cle—ig 0701 1 S civ I&J. 1010-0 00 2191.353.21 2L PAYROLL AQCOUHF 90C•}h60000067345rH789 1 JAN 7014 T1] 31 j W W4 H Q Ir-Wd CI.—g 10l 15d�r CW , Zlin 4.110 0O 2.55TW U 26 PAYROLL ACCOUNT 0000hb0000012U56780 1 JAh 2014 TO 31 JAN 2014 HKO I—M Clexrng IIIhR 1e CSW. - 15,1sa 50 2" 30 2.107231 97 27 PAYMXL ACCOL#[T 90Cy` 6614 004173486789 I JAN 2974 1031JAN 2014 HIS hmwd CAeerng Ohl 15Jm CKK 154M 5 in W 2.SUDAW.Dd 26 P.AYRALL ACC W Hi OMW O0M123d967891JAN 2014 TO 31 JAN 1914 WO hang" Cma'e904W 1WJ CHK 151"9 21.284 34 2.11.79.372 05 29 taA.YRUL ACCOUNT 01MIgb000LO x234 5 6799 1 JAN 20711431 JAN 2013 HKO MA.a+d Clealrrg 041! 16Jan CHK 15 -JA ]4.186 .00 2 "0296.06 30 PAYROLL ACCOUNT 000Gt0t00000173456795 1 JAN 7914 TO 31 _M 2014 HKO beard Cli 61.he i6Jart CF9C i6.Fai 960 7 335,776 06 3t PAYROLL A.CC=4y 00NDW-M 2N567891 JAW 2014 TO 31 ,6412014 HKO larar"C1:v'-pDeW 16Jen CHK tWW 5051 2.130.13996 32 PAYROLL ACCOW 10P}h6400001YS458799 1 JAN f4 TD 91 JAiA 2014 HI47 hreard C4eMng Oea1 17Jen CHK x7,101 1194 00 2437.719 96 33 PAYROLL, ACCOUNT WW bbQng1N,23456 % I LAN WU TQ 31 JAN 2613 HHO b—nd Cleari [Who 20.Jan CHK 2041 1,745 00 ZAA 503 96 04 PAYROLL ACCOUINT 90GOIw00000123156783 11.901 20u TO 31 JAW 2011 741110 kanartr Cle7�1g DeaA 20Jan C -K 20Jaa 7 895 d0 2.131.6M 96 x5 PAYROLL ACCOUI Ir OfiMhE60900123.L%T99 1 SAN 7017 TV 31 JAN 2914 HK0 Imrmd CAe—ij DeIK 20Jm CHIC 20,d h 572 91 7 436 937 02 36 PAYROLL ACCOUwF OOC4u60000072°�4%M 1-Wi 201" TO 31 JM 2014 Hkp haerd Ci.w-9 t -m 20,w CNK . 20,am 6.55590 7.d1T,772 02 37 PAYROLL ADCOUINT 09067600000125166719 1 JAN 2211 TO 31 JAN 2014 HND Ineard Cl:." Deal 71 Jan CW , 21,7an 1 12790 7.328213 02 TB PAYROLL APC95MT0gp0ltpi000g0i7}k56–F891 jAH 2OW TO J1 JAW 701{ HKO hei CI wmg Ohl ?I Jen CHK , 21,101 7-00780 24197-030? 36 PAYRML ACCOUW 00006600001123156783 1 JAN 7014 T031 JM 2013 HKO Mcsceeanew Det4+ 22Jan MSC 224.e 386-52690 2033 123 02 40 PAYROLL ACCOUNT 0000660014012]456785 1 JAN 2014 TO 31 JAN 2014 HKO Iniimd Clearng V:bo 23Jan 0% , 23,1x1 690 7,032113.012 At'43AYRDLL ACCOUNT Gg IM1090012K567$9 1 JAN 3017 7731 JM1204 HKD bieei C, wing 4eW 2/Jan CMK 24,hm 0210 M 7.0092"214 42 PAYROLL ADMUNT OOOOC6000001731356T84 1 JM 2011 TO 31 JAN 2014 HIO Nei G1&r ) De A 24JIh alK 21101 23 932 00 1,986 300 68 43 PAYROLL ACCOUNT 00006hOWN 2M56T19 1 .SAM 2014 TO 31 JAN 2014 HOLO M1ae pre CAe� g Rete 24Jan CHIT 28Jan 311W 30 1.991 d10 78 A4PAYROLL ACCOUNT pp00n6000091Y}5567g3 1 JM 2014 TO 31 ,WN 2014 HKO Mernh y AC Arar".s 27J7n Oil 27 -Lm 725 1.580.581.38 4i 91AYROLL ACCOUrr1 gg00660Wf23454TA191 JAN M74 TO 31 JAN 2614 HKO immd Ci=a= 87Ja0 CHK 27,711 16,600.AM 19642&136 46 PAYROLL ACCOUNT g000LLL�p000123456789 1 AN Mti TO 31 JAN 2013 HK[I he W Clea 9U151 77Jan CHK 27,14" 333& 00 1_85ei 36 .7 PAYROLL ACCOUr14 00046040004 r25456789 1 JAM 2074 TO 31 JNA 2014 mKD I"eld Olea w Deal 27,AIm OKK , 27,iM 1.800 00 1.9%;47 33 7S PAYROLL ACCOUNT 00NbbC1n000173456779 1 SAm 2014 TO 31 JAIL 2014 HKO hhrnd C=0 Dell 28Jmr OW 29,11" 514 44 1 95563? 94 a? PAYROLL ACOOtaNT O0ftW00,23d54789 1 JAM 2017 TO 31 JAM 201d HKO amara Geararr904W 2944" CW 2uw 27.766 22 1926.367 72 °1 P AVROLL ACCOUNT 08606600060123158784 1 JAN 7014 TO 31 JAN M14 HKO r -i thrill D.Z. N,1. CW , 28,101 1.100 00 11124.364.72 51 PA.YROU AOPOUNT 0138-066140601234511714 1 JAN 7014 TO 31 JAN 2014 HKP grand Cllilring III 794m QPK Z"m A-45? 09 1 914.91? 77 5? PAYROLL ACCUFItNT O66WI10000012U56789 144N 2011 TO 31 JNA 2613 HHC Leeard CAe-T O.ae 29,14" CM 2". ISM 61 1.911227 11 53 PAYROLLACCOi 000J6KNOW12#56i79 I JAN W." 1031 JAN 2014 HO h erwd Uldiii g011ie 34Jm1 CHK , 3114m 33,661 00 1.977 57611 51 70TAL 9Q S= TWO Lk 1.167.407 63 Tata) C 1.50019797 W W*vt 313.090 IJ 56 J.P. Morgan ACCESS®Sample Statements Guide 12 11 Sample U.S. Account Bank Statement in Adobe PDF format U.S. Account Bank Statement in PDF format shows each section of the Bank Statement in a separate section - Summary, grouped transactions (e.g., Checks Paid, Electronic Withdrawals), and Daily Ending Balance. Totals are displayed at the end of each section for more clarity. CHASE Ci YlAn-Ck—R". NA. 12}L.d+Da6 ra. Ja.a}7i �14r,a.ag31.29u na er, luml>1e 1434581996 R"Mrk TA ta" CUSTOMER SCCRVICE INFORMAMON If you 172Yt sny questions aUOtl1 VOl1f stalemml. plea" conlact IOM Cualomer SeTyke Profess".. J70[ GCrPJ9eY LTO~ � BS 15657 MaDMOM S7 R491•YRI L AR 2029&7 LISA i _ 4 CHECKING SUMMARY CAl tlNrY�Chegwp mmkmczs AMOURT B.GM7e7.10 ealanu !95¢,aa7.a4 b4Me.T! *np.-4mw* 63 8"A" 43 Ch.e!{ Prq 60 -414,337.80 ET.eeey.. rkwrrra 30 • 112.436.72 Endug Ba— 149 ""'Vam DEPOSITS AND ADDITIONS Mn wl� O+AY 441441E 4asn174a4F1 a 2sa i4.d4� 72 61102 J707n �0.Y9STgMh+F+OM A0S9vro 1$y4'JQ'YIjQ4T t-711.13 QW2 JPa16r91M1A6N!l ie�e79+Kr Fr6enJbE6�n1121a59T876� 24257 04W Ra w OrAmOepm 1734 SAMAQ 4193 0^4C6Nw :xrZCa-WVLT>}2 Left' IL} 12 94 867 9 9 Dew Dam: 4,5f444 W4xQtr4auF S4C:PP4 tr#O4M7iaaaaua123a5�B E1e'+;0+43 ID.A-08 wN-11LLV Comp" LTD.I 12$1567 TM p112MM79Te 4193 JPMory.nA vs Tme t From Aaooum 1234 WNW 3.154.16 OTfM R.. W Onlm. G.pa 1244 11.904.4 WIN JPV-W7 A—TTy f-F—A --t 4244567906t &871.37 Opme JPMex6an Asvass T—f-Fmm AnoouNl 1234117206, 7.2!1.73 OLM7 Rp Odin. b.Po 1284 i da0.3a OV07 JPitarpan Access T— 1- From -46—m i Z M1T806t D.3L10 3E ry.ira J.P. Morgan ACCESS®Sample Statements Guide 13 Sample U.S. Account Bank Statement in Adobe PDF format (cont'd): CHASE Q :asir 41.2014 t—gl j --V 31.2614 MQDLI K-lw 1734%70e4 DEP 08ITS ASID ADDITIONS 6am Cl1610M M -P.- .>.r.t01/N 0 k rN JalJww Ae & Tranitlq Frprll Aw&,M 12-MMTHOD1 1_704.43 91FN JPP.1;— Am , 7mnsfe F—Ae i 12345076901 1.776 88 61/24 JP4lapsn Aoo4a%Trarafir Fr-dA-&.ra 1234567NO1 t.MT 42 01434 Ong CC NarneAvZCv p." LTD-: rO&" 9,+04.37 fi—PapS—PPD 7—iw 11iOMM2236679 E44j;12aW hid 1DO12WM ded 14am4.WVW C6mp wLTIIM 1iY4'A771n 99oo123170Tc a 1127 JP&k.0 aA.—, Trarud� From Aood4a 123M678401 4.QT4 w 61.28 Rww*0n"Dww rM5 43.#1100 01.2! JPMBtaa4 APXVF -rMWW rWR A*N," 17.3x3978941 7,843 BT 01128 JPMogp. Ae & TQWw Fr Aomw M I IMS07MO 1 3.55224 61728 JFg,4ugam Ames%7rarafw FF AO 12355676401 9,06505 Q7f28 C" Cd N—XVZC—paa7 LTD1 fkg iR 123x567666 T74sc dad. 123166 CO 2.6/7.67 Eav7 Dau F. 6ra.V—PPD 7t.-*000001284SMQ0 Fa 12W% End IRA+28456Md Fb440a:iTYW CdMpony LTO -1 EFT WWI6 1331 T, 01294WOOR 61124 R1mdr 4nFn4640�a1t 1995 16,824.50 MAO R—L. 01a Ckg—d 1005 50,60836 01439 JPFaprW Agpc% 7ransfw Pr ft o rd, 1234078001 -IAN 73 111070 JFV*ga Aeexs%7yn0HFr Ae M 12 34547801 2,14001 171131 Ra67614 Qnkw O*PmA 1995 4,035.81 Q1f t Drip C.(7 FianN:lL'f2 Cwrm4r+7 L1A2 014 U:612740678G 6ear:0a4:123456 CC EKY 2,950M 0e%xPdwMlMs S4C.OPD Tehte* 111 OM12345078 Ea61 4566 1 0.9026400 Intl wl . L14Yt Cwv* T L71}1 1234547 T— 0444123440Tc 01.3* J94br824 AR01%s 7/arhrW FRIM ApXp M 12317476991 5.994 26 T4xar 0WF0tF anu 1t4jj6W* i683.i73,C3 CHECKS _ C"M rpt GATE CHM Pao asFallrr 1aae6t am vro arartr 1686 81Q7 44674.20 2140 trills 1.157.64 2137' 6+O6 25.60 2149 61113 1.667 60 2124' 81007 725.1^ 2130 01115 28606 2138 0126 4@728 2166 614A 171.013 2134' 0487 167,01022 218} 01115 56.60 2186 0126 L39.95 2152 91115 452.90 2153 91no 301.o0 2153 9V13 09.2111 Bi 2197 QUIT 2,506.65 2104 01717 1.79869 2190 OT7f9 1+7.00 2103 01117 391,500 2130 91-114 97450 2156 97132 0980 2140 01-M 140000 2157 61123 222114 2141 01+40 1000 «170 61+21 11260 :142 0+010 W 00 «179 6141 #4820 21" 8+115 361.00 21146 61123 675110 2144 41MI 487.62 2121 61YJ3 67661 2145 61AP 71.12616 2102 OV22 20.134.60 'Wj.i 1 J.P. Morgan ACCESS - Sample Statements Guide 14 1 Sample U.S. Account Bank Statement in Adobe PDF format (cont'd): CHASE O J--01.1714—wgNJaww,y3r.X014 A« . N,.np4• 123587990 ELECTRONIC WITHDRAV*LS rune "SOW -0. 91 U Crr6F D4bre Vf: xvi CvVdny LTD-* APr: XYZCafiWi"LTE}I Nal KOWed $474 20 Sw Q129466 Ym 01234"266315 4123 Qrq C -O Pj41eywr2 Cd w"1Y LTO-, 3.-I p w Em"E* rW&h Pm Sae: Wm Tiad.rtIIDD0Di23455T8 Eed-12MI551nd +C:H 1234 Ind hr v Ww Cwrpw r L1T11 1224d16.78W T- OsMA56729 n 41 FN 'Dr1P CO Nw XYZ Cwrvmiy LT" dg 4012348E N Dere DmW:123460 CO FTaY 1,037.1"« D,*1 LPsaia.py�CCD Tm iHOD0012S4557B Fid. 1251515 IM '.0.012 34567 690 12 34w N4r11r[1VW CarmwLTD-I T1n 0123454 TC Own "CC Hama xvZ>=41^'44^1 LTD -3 Ode lcr012345VB9Dese: Dam1234M CG Envy 20% 8eacrilaaLa�pxmlt»aCG9 T,—P, 110n00 P2345679 Ewd:12347E k1d iD:DY2M66704n Y2M Lm Nim�.41VYr Ca•1'41 7LT0.1 Trn:912MOTo 61r24 JPMNW A60i44 T1ar4W From•owwm 12319474691 557.154.79 91141 1.67999 a try Geac l70 26vpa�dtC6 • �o i IIDMI294!e a E.�kTI]J^E nd iD.-01234567E9 W#4l -EFTFr Namr.6l89a EFT,/CH C,fa 011441 Fer G,pr1r0123+15678p COWLa6i 1234551 1234560WSe7m 01234ee769Tv 01r.90 JPMapa,Acca.YSraraiFFmnAaoour47234.67890' 32743 01 f50 CA -co 4414 W: WYZ Corw —y V" wIC- xTZ Ca111—w LTD-' Nal E14Mwd i.1p0.94 Sin. 0125+96 TM. 61 254567894,, 81,'20 Onp CONanc%YZCerVny LTO.3Dnp d7Ot2k4567R85i>K Oxer 128156 CO Envy 405.12 C44ex lhiea.p~CCG T7apfii 11D=12346676 Evd 123454 Ina ID:0+2345676901224 %rd N—AJ V W C -*.q LTG, T— pT MM Tc 81M "CO Na XVZCeftwryLTD.3Dng iD C11234S87M Dr Oaer128456 CO Entry 18.79 QHCRAWIP4I"34c"D 7*aai4.111np6012MM78 EW 1754w 1M iPOi244g078�D 1231 %14 N>•n4�UYflk Carno�,ry LTd, Tn:G1'-iay6 T>• 911315 1.%494 Entry Dw D~D.ps &OM Evdrt2Si56nd D: 9 12 34587 690 1234 ft, 494015'2FTP, Na1M 96921 EFTIACH t1wa1.p C4rr1 Fpr e5g6,r1r. a,_344pae4 C4 E11D4w ,#4747 QUM HSI R2 7m: 01284%750Tn imF1 EF1Ktranlc 1pllndrE,y- !s Sgi;jQt,f2 Yd.� HrS,S! Cnu4►1 N•ff Md FNnw'194 Ci`4�1 h/M 6ffn Ci1Crr111id p,W� •1J0a1p+tJW1141rt DAILY ENDING 13ALANCE •�� WE 01102 LWOLM 6O! %1,004,221.42 nTf1T ANOU 1 1,062,52077 01,n} T,OMT32." 7,21 7.040.981,44 41166 1,047.074.44 DI F22 1.154.704_.7, 4117 990,407.00 01 f23 1.157.101 W 4149 1AD2J9219, 91 f24 492.169.22 4114 928227 W 811527 404,202.s0 41114 90A76. 5i 81 F211 545.280. i I 61r1S 1A68.56g_S4 61,28 569,44Y.45 61!14 $OMS3&13 01,90 430140.72 61116 ,IA M1104i 0111 4431!153.89 61115 tAnvZW .wt.. J.P. Morgan ACCESS-' Sample Statements Guide 15 11 Sample non -U.S. Account Bank Statement in Adobe PDF format Non -U.S. Account Bank Statement in PDF format shows all transactions for the statement period in chronological order in a table with the running balance against each transaction. Cumulative Totals are displayed on each page. J organ Account Stalament V i SIAffummm 31"Nu AQMWTRA%W:XYZCO kTD CORFINCT 4D ACOWWY NUMBER: 1234%TM SfATEW741 PUM MW. 1 WX r97U 11 ON 21U OM: 37ATEWHIMM"A •)IiW BM -1211,!7650 PA6EK0118ER :Ji AOOW WT TYPE -1X A5W0 DEPOSRAO.201RYT TAR 10 6e.— T� Pr T_ Tg* 61h.Do. S__ C.wr 9rrir P�11Yil:S $sLvxa 31 = I,Sa{,a9E 97 -iwad r—.rj aecc 2im u1K suAN 1d.9P6.+r9 1378 aY14T C STREF DMO12345 -ward C1 .,a Dew : AN C -HK Z OM 16.391 00 1.+90.479 9T CLISMEF 000012345, OWWd C#a" 9401t 3 JAN Gm 2im 5500a 1 878,529 97 CUSTRU 000012345 .M,:Yd ueN DP4t 3I" CM9 3141 109,kWbD 1,276,66&97 CUSPREF 000017315: -wary PFiL+9 DgW 3 JAN CW 3JAli 100,171.00 LMW 97 CVSTREF 000012395 -a DPhil 3JAN 011K 3. AW 16,44900 1,28821997 al35TaEP 0990127-5. -wad r q D.W ;JAN CHK 34t4 25-11116 ad 1,2]8,@&? 91 CyTTREF 000012345. .!wiry CW Wn DPW IAN CHK 3141 2,586 D9 1,23a,D4588 OvSTUEF 000012.'-5. -w" C*01" DICK 1)m CHM 3.W+ 4]02§5 1,229.79333 CAWREF 000012945. .wad CW..9 DPW 5 JAN C>W ]JAM 634.50 1.328.158 73 E ILWRFF OWMO. wr.7-a G.—Y Dow a im C>« 4 Wi 5.71109 1,721.95673 CIl$TREF 000617345. k.w CA." DOW 6dW CHK 6JAM 4-0-0600 t723.55673 ILPFF (F 000012345. MWArd CbNM Omt 01.41 CHK SAM •.1311` kms ,_I3d1 C08TREF 000042315 T.. 321 557 3.1T. ;^ rel WT,11nr -371.437 is J.P. Morgan ACCESS®Sample Statements Guide 16 1 Sample non -U.S. Account Bank Statement in Adobe PDF format (cont'd): ACL911NTHAEE: 7,YZ COW4ft t7D 4000W7NUMM- L4.]SSd M UN: BEAN: 1234.56TS* ADCUIIIITTYPE :1S�UJ✓D DEPO¢ITJ<CCdJ}!T JY Morgan STATIMNTBATE 51JANID11 COWN-;Y NFL 81ASENENT PERM FPO0 IAMM147031MW� M STAIEeEMTNLNM 0" PAGEftWFER ]dM FAX JO Accvu.t ShegemerJt RMe+r:e sY tine T� , . ­Iki.tr Tme ChgO L4+Ra hMiN Cearuq Olod Ii JAN LHK MA As T,2u.]T376 CUSTREF C000122P45. Wcegi 6(rAL J. , A19C ..-. 3Q080J1e 1. RAJ 7r}70 CUSTREF MUNW BANK REF T12CCaU5E7 BA ABC C—pry LTC PAYRUEL, 1101EFCARv M.77CelCwa LIE AW CA 'p' tI'D INTERU)W WY ■RkNSFER PRT WFACIP BOOK TRJ4NSFE3{ •n1aP CI�iYq OAA 1a AN '.Ti 1,gQ,1yT 57 13T&Sao? CUSTREF 129M%T64FC. G&W REF 1j=W -A7a: a0 kM137J56719B ABC rV,URU-W-STBIG CITY RMFFICIARY XYZ G M"LTD ;BC CaRp.'Wl iT6. CONTFLWT 1734557. rRFW1YLMN23.0 b . FCC INTERCOMPANY PAYABLE; PAW METHOD INCOMING S'AYFT. 4TYJYe CImr4Deed 134N LF+tG Ia JAN 1aEJ,Wam 2ML03 .e".3T CUSTREF=017345, —.d C —W 0" 13 JAM .^.MK I JN4 8.432.1313 2598.74 37 CLPSTREF LW01 2345, IrTiy�rj Clesrq 17ah1 Ii AN C>w IJ AN I" In! 29965@877 CUSTREF OOOp173A5: mwwd CJmni; OW4 14 AN GwG 14 JAN 33400 :.Wa.au 2? CLJSTREF dOOC1:m5k -hWA[Bing ow 1J JAN '.HK 17 JAN l4OO C6 2,591,36177 r L."EF min". ie 0 pr h ,11, 7t T. C+ '.00,147 W Nm NVMurr 1 WMA +a J.P. Morgan ACCESS - Sample Statements Guide 17 Sample non -U.S. Account Bank Statement in Adobe PDF format (cont'd): J.l'.Morga AwElk Aaoowa nam : xrz DAF*Y uv CPRF I ACOOM NVAIBE11: 17aM7M SUTW Em. 99MTi?5 BEAN: I?A5. -7m FMC# M &CDOUKr t": COAUM GEAR MZW IM FD Menvxx N,ir. qw rip " .aYe tlem ora WkNO 43&VM DON 29 im CHK :B JAN FusTku OY60um. t+A C4owq QW1 20 AW GiK =aREF O00012jA5. -mw= GhwN 0968 29 mw CNK 29 J -t. CLIVREF wmI23i5: r rd C4uLng PCW 2%JAN CHK N jar. r L sTRu omal2 : NNwd GT]IN1p D" C iz 4,W, M*_mEF 5=12$15. Tow Orl H�nbx olVaar TrlM1Tsgmni: Humor d {rrda Tnnaparn 1 J.P. Morgan ACCESS®Sample Statements Guide 18 Overview Billing Statements are generated monthly for both U.S. and non -U.S. accounts and are available for download on a rolling 13 month basis. Availability varies, based on the location of the account: U.S. based statements ■ Lead statements are available on the 6th business day of each month ■ Extract (revised) statements are available on the 15th calendar day of each month Non -U.S. based statements ■ Lead statements are available on the 3rd business day of each month ■ Restatements can be made between the 3rd business day and the 25th calendar day of each month (can be created daily). Billing statements reflect customer usage of financial services and the related charges for a set period of time and help ensure the accuracy of charges billed. Statements for clients with Billing Groups are generated with a Billing Group structure - i.e., a Main Billing account and one or more sub -accounts. Statements include: ■ Transaction volumes by product for each account ■ Services and Activities are grouped by category and listed for each service/activity ■ Detailed tax and currency information J.P. Morgan ACCESS®Sample Statements Guide 19 Sample U.S. Account Billing Statement in Excel format U.S. Account Billing Statement in Excel format shows each section of billing information in a separate sheet with total charges displayed at the end of the sheet for more clarity. Balance and Compensation Analysis: CU S rOm ER NAM E: ABC Company L ro :. DEPOSIT ACCOU NT: 012100006H00012#456719 3 EF F ECTIVE DATE: 201401 A 5 EAP7h M ALIOWAHEE RATS 0.750% fi 1i11LTpLEA SiT096T000 AFP COBE DESCMPTION 7 9, li} U a2 i� =4 15 16 17 18 19 20 211 23� 33� 24 23 -ZS-. 2i 2. 25 �D, 31: 32 33� 3A 37 H H F H 0GO000 CDO03E MOW D00011 0G04M 400047 m4N Doa419 M?48 M30 1 008241 00431.4 AVERkCE NET LEDGER BALANCE LESS AVERAGE FtQAT 13ACAHCE AVERkflE NV COLLECTED BAL M4CE AVG POSWM COU.ECTM aaLAKE LESS Oda BOL RES" REOURUENT 14VESTABU BALANCE SAL EO.UN'LHF-TOT SERSI M CHRGS SxLE551 EFXJFI iMSTM SAL EARNFIG,%ALLOWANCE UAL COYAERSAM SWC CHARGES £%6ESSlIpETICRI EARN&O ALLOW SERVIDE EMAJbL EAMOi1HT c D E,A4ANCE COLIKHSATI IIIFOMMA710H ON INFORMATION 6.D00A00 .04 # OB S.H9.000 00 S.0a0,G08 .00 0 OO 6.O90A06 66 .3.753.848 .00 1,246,152 aB n >a :« E J.P. Morgan ACCESS®Sample Statements Guide 20 Activity Summary: A B C D E F G H I 1 CU5TC7MER NAME: AK Company M 2 DEPOSrFACCOUNTSG123D000bbOOD123456789 3 EFFECTIVEDAFE:"W1 d PROIX3GT LINE AN GESC17tlPT10N BANKI AFPVOLUME SERV E I SERVICE I PRICE ISI I I C RGE {;1 I EOUN�A}LENT I CHARGESFEE-SASIt) 5 Com CO 6 ACCOunTSERw6ES 7 ACCOUNT MAffrVV` a 01045 01000 XV Ax I XUN 141.290 XY TOC S 5TATEUENTCWLt5 13](119 DtIIN7 xXXX I XKXY D XK SOC 5 . AUD(rCONFRMATIONS 0]076 SIW34 3Xxx I xryx 3S3.226 xxX K 10 SUFWAL XKxx 491.516 11 12 FuRDSTRANSFER SERVCES 19 RErt66" JN!5T"CwN STORAOZ D5582 W551 6xxx 2 NK)V P xxxx 14 •EiuNTOTAL 9CK-XK D 25 1$ JPMQR('AN ACCESS 17 ACCOUNT MdYR- 1 YEAR HESTORY D6085 400862 xxxx 2 xx_xx 859-365 xx)oK 18: USER MOWLE FEE ' DW 494699 Mxx 21 XKIVK D XYXI( 19 JPM ACCESS MONTHLY MAR 07367 1966963 xOcxx 3 XXXX 0 Xx SIX 24 SUBTOTAL xxSx 9E&.355 21 32 PREMUM ASSESSMENT FEE 23 PR MMASSESSMENTFEE D0035 000290 xxxx $.On 900 xx. SOC 2,599.977 xxxx 24 ' SUBTt)TAL xx xx 2,599.977 25-- 26 37 TOTAL C%AAGE FOR SEkWft, wow )OCXX 13 2a TOTAL FEE BASED CHARGES 000330 XX" D 29 6AL DDMFEH3A9Lf 5RVr. CM RAf 096331 1(XXK D 38 SAL EQLWLNT.707SFRW-E d1ROS 006+00 XXYX 3,753,945 31 32 33 }d 35 36 #7 N 4 ► 01. 82�17C2 trtd COrtin&mmtirm An* AtbyirysunuAary. Reh66r1shrtj B&bnL+2 clomp --C P1 J.P. Morgan ACCESS - Sample Statements Guide 21 Relationship Balance Compensation: r A BUSTOMER NAME_ABC Company LTi]1EPC15ETACCOUNP 0123 000MO001234%M EE E[71VE OJ1TE: 2tlJa0i lT E _ P G WDWrH AVERAGE NET AVERAGE NET I"VA15U BALANCE EJCCE55 cmnEARNING5 EAkNIH65 BALANCE EXCESUIOER LEDGER COLLECTED BALANCE EQMALENT CH} ALLOWAH ALLOWANCE COMPENSABL CR) BALANCE BALANCE Eij TOTAL INVESTABLE CE RATE (S) E EARNINGS SFAVICE BALANCE j%j SERVICE ALLOWANCE LNARGES ISI CHARGES E1E} S ESI ISE 6 JAN 5.60U_BOR S.QN-= sm.bao Xx K xx X) XX.) xv.%7t XYXX JAH JAN T AVERACA 5.40QOPP 5.wg UP 5.607.GCC M XK JAN JAJI 8 NET XKYX XKX% !xxx xx_xx 9 10 H 4 0 H , EaEanre and CamoensaGon AnaN ArtNrr Suwwry 1 Ralationshin Balanre C:amowmat P3 _ J.P. Morgan ACCESS®Sample Statements Guide 22 Sample non- U.S. Account Billing Statement in Excel format Non -U.S. Account Billing Statement in Excel format shows each section of billing information in a separate sheet with total charges displayed at the end of the sheet for more clarity. Statement Header: a E C D F ] CUSTOMERNAME: ABC [qmp ftV ITp 2 DWOM A0t0U$M012340006h1r000i2A%n 3 EFFELnVE DATE: 201-001 h 5 PiGbZ7N 6 ABCCm Lm N.n , 12' 1-M&12Ma• rABC S aBGf1 7 WVAS N4a6C t 9 L81r00ir EN 2 2L 1D Mrla NHC.00Y Sle _tRe'm NW GI?SOI.V0.1VbOW123456TS10 r1a 131-201�.27F 11 A4�!hu 17:45618 22 33Ca''s� A9 SALlrrUx ULKFPi -M (0i17y1 1 55 LS ON"" 16 Ftd 61i01lM14 17 th aub"M.A Ts r q k r AA d- rue— MA— A� 5,.— Fnulry n" rr,edrtkI. BSN :. 1 - Customer Analysis: A 6 C D E F G 1 CUSTOMER NAME: ABL Company LTD 2 DEPOSFiACCOUNT:0123000006b"IL2345678 3 EFFECTIYEDATE: 201401 4 5 Aoco d Ru. 12MM DDA ACC011RT B i T" Charge Fol Service This Period 704 }q4 _2 '-Sere" Cherfle AirVuM A USD 704JCX S(DOLLAR) ToACUM B1230000066W012US678 .1� . 11 If A � M Sratermnt Header 1 Customer Ate, ActMRy SumTlaly . Aeter[y Geral , Tra*ra[dan Debi U J.P. Morgan ACCESS®Sample Statements Guide 23 Activity Summary: V A $ 1 CUSTOMER NAME; ABC Company LTD 2 DEPOSIT ACCOUNT: 012340004b OW1234S678 _3 EFFECTIVE DATE: 201401 4 service serwoe uescription 5 type 6 AdNty S1R1Fnery 7.. $ 08210 ACCOUNTSERVCE$ 9 04239 EaCTR9RGPAVUEMS-URGENT 10 042+5 ELECTRONCpECEFFS- URGENT 11 04270 EB-GN1HESANK124 12 total 13 14 15 16 u . r w 5taternent.HeEder � �E1usQarn1Tr11mi�s Activity Detail: C D e f G H CurrI charge ro-r �icarr crlarye�T.orr use X)C)m USD xxxx (Jss} )QCXX usn xxxx USO xx xx U56 xx )IN use xx XK use XK xx Uso xx XK USD Sac xx Ta GI cher_" rOr 5mitea NX-xx vitt' Summary 11cUrIT?v Datil . Tra nd' n Ueta3 g:1 A E C D F s G H_ I_ I E CUSTOMER NAMR ABC Company LT6 2 5EP(MITA€C64JNT:0t23004046bM23S%" 3 EFFECTIVE DATE, 2BEA8a A !rP'!Mr I 1111'�ICf WFH1PaF11 1 YPMRM I Corr, 4MIEtr IIO K� I chlor s NE CO 5 7 ADt15m tr 1eAVVS 8 1731 ADMLWP1VMK4%Q(11 1 USO KKXX xxx% 9 lr3 ACSTATDOITPAPEP(11 1 UVI tocx1 ]xxx 30 t2 -M U7fp($T STATEUENT PAPM{Sl 1 1136 KXM 70cx x 13 qA at". %Wt pE Khm f, l 1 uw --KK lint Y2 T&W ,AGTAItlR SERVM USO 1X)w N 1A 15 E11UF0?M PAYYEH45-UW9NT 1E TIu FtcY PrkT 99 SSP f I ] S5 uM W -P =u Y7 R94 FKCYWWEZR8PAT1{11 1 USD XKK( jt' gyp[ 1s 1M1 VAFT ADVK1 rO W NMI( (1) 23 U-0 507.7D1 xx�x 15 1751 THRD PARTY DREVF DE BIT 111 36 US6 )06101 %X.KK 2A T -W &ILIRp7t PAYYEHTS-UMW USO X -V 31 22 23 11FUROW RECEPTS URGENT 7A "731 4FS+tYIT AESFeTr lt] 5T 450 XFFc �a�0f 25 1231 I AMA RECEPTIII I U36 )DDD 7 XXK N 1231 909KTRAn5r[R RE CE PT 111 W USO N0 m Tx xX 27 Tow EIM:ROW RECE VIS _ LUNoE V} LIM Mx xt 7S 79 M E8. DkUhr GA MIO 31 1$51 AWT IWJR 114 OAY KSTf1RTP 1 U50 p xx Yx2x 31 {1} 33 1744 964 OM MAT6ACMN5 WAG 728 U50 7 xx 2xuc 35 TOW is - IRI w9� Uw )D= 39 b71111JQVWVAT O*pw H GIC wv1nare 0-6-0*11 VAT Wvt *5111[CPMNFP E4 VRT9rRTM 1780611 I"4I H_%► !F_ ! IMYEEF � fl1�1Y0__A[!}q. SMITIN tlll[Y DEI `F139V J.P. Morgan ACCESS - Sample Statements Guide 24 Transaction Detail: J.P. Morgan ACCESS®Sample Statements Guide 25 i x 3 d imn 6eee 7PNC Fkkrmcr [usEomrr Rrkrrncr I Yohwm 5 Ilru+ Anx m� Cw*�� 5 T C1iLTRdrE RCYFEMS • IMOEHT 9 OE1+i FCq 1231 FJCGY PWT F! 51P 11 } Y [mO1R61. 177.SBr 1Z.W9C121+98MP � 26r.79p.90 050 18 ]141FN1. hY5158T 12.W6C12f�49404 � 94,788a u50 11 s1+a1rm1, 17xser IZ1v+BG13)r9040P � .>b.3529s 6sn 9i F3 10 ELfCTR*W RfCEFIS. URGENT 1S METAL FOA 125, UWvrr UCEM 11I I6 Q2y*I(2611 1SYF56r 127Lb8C123F00000 1 51.96897 640 II 1 * rat. 17756" 1251b13Cip3rM9M 1 ,26.998 OD M W )1i4O1• 123156! 124.44C12310OW 442.M 0: M 19 9ETat FOR 12'). 1[IIIFJAL RMCER 11 20 1I9156r s 15.M097 060 21 'JET.:( FDA 12x BOOM TR*%FER RECEPT 11 72 WYOw2616 1291567 1 NAMC1p_1MM6 1 Lliu191 u5O 23 U*kf 016 17$1507 12]In.5U1; H00000 1 1&02)00 USO 24 27g1r261+ 1791567 123LQC1j'NW M 1 24?3 W OSO 25 2rlQ"Al, 175156, 123+r4C17346MM 1 7.06200 M 28 77191.616 127i$r 12Wt•9C12)100000 1 '77.696% q= i7 Zrpl 7816 1291561 2W 9C1; 31oCMs 1 S.LIZ60990 V50 2$ 2SU1l7616 12}1$6" 17S1A9C1731CC8W ! 3:$996% 1150 29 2*omam 123159? 561.98272 M 30 2A19112616 12M567 12H/.9C1739"M ! $M6,00090 OSU 31 2A MMIA 1791567 123UQCi.?3AO 60 1 26.97899 050 3i )gp17g11 129155" 12'.6s9C1YWww 1 10.69)" OSO 93 3P41.p 14 1231567 17)U8C173106690 1 16.37 14 650 3a ypiplggl6 vm3 ., 17W�9417319969P 1 T99.n941 050 i$ 21!91.616 1234 7 12w 94173100666 1 451952',5 650 3u 37 _SWM—HAWes CuABRYlr.5R6t73tl Aghl_Srvn/W__;Lt Ele'ii 6r�linn U9[J 'rJ J.P. Morgan ACCESS®Sample Statements Guide 25 Sample U.S. Account Billing Statement in CSV format U.S. Account Billing Statement in CSV format may be useful when billing information needs to be fed to another financial system in the company. Each section is displayed one after another. C, A - n G 4 E M tlw..r* a.r C+•w+w.1L►,Ww EA K$rA3OMrar{k hA7E 6.1%ft � rlrre*a.Rc..*rw..L+wrrAar4lrrEE7t ur0airW9 � er..r* .r C+hlw++a r,ryr, uv 007 axxr�lLw rL•aMKi tCAiP[N 3 Bare. a.7 evv"W" +45✓rr+ a af AVERAIM 141 doolto ak.Hf W Odd 0 1 Ad w CRT•a A. , 4 -. 14 •+m A1✓EAi[{ 140LL! *r1JRY,� 0 7 i T/M[!ad cefflw- A --a,_ F as e* wr C+.w.....^ —.h- I AWRAM LET COL LEfrED OA M M L 7107W -0 7 lrar9+a.a Ca�.wAt Ate, �. r. AWO POUn r[ COLLEMO MwRE 4 644 AI.1 i 1 gdJ . u Cwq—. r""h+• r ,r0 LM MA lat 0ESC1f ra8.a11luT d 74 lows* Od C�v..ie A`-1Ir... m 0.14E VAR,E O LM U E 744 444 0 11 D..9.arc�A�..•.,Ar""r V +.+r< -w Mbm*MCa�+wr,r. r44 dra (QP&Wt-T4[ NEPA E 04" 0 d i 1! Lw ewCa7l..r &—e- 4fth—wdC+^r.rr+..7^ a+0 E3ms&%Llr[ri) em ST¢E w 1ia11' 4 r1 DA— A.7 C. -W.- r A^�rrj 4 Bnwe* w1 C4.W.. wl• A—vm 144 CAWAMZ 041"MKZ 9 +.Misr T7 6a7.er aro C..w•Larn AArlr�n 11ad~ **1 C.+rw•— Awrrr.. 73, 0..4 Ca6PfRS6&E 1RW r?,ArA�! •• 9 n M Z"'.w.4C.rw+..ra— j•+Mr^ 7a 69w.1. w C—i*•ae.. A -Oe- LT (AM $&99vo7r EAQ++0 ALVOW o u n 21 50r , OW C–W– pw a ar«.. rray. to 11w.7a ae+/7Ck AAtOl/7+ o 0 7 OA -..b c..-w.� +r� . . sr 4.+.rt, 5....,wr 3"0.'NCrLM ASU 6.YA: AFF. "dr WOiW WJP.O" dfAWt 14M- Ae+.er 5+•+x.1 AgC"W SEOyCtS }I Ar4.t15wwV FtCaY1rT 7Hraf1E1L,11C� 13711r]d11G17d1� T10.14 -4 RA r, AtU,wr NO -he, VAILMKr CWALS t& 7?)M 00 4Ur13 P." AA }. Am+rr S.•wnw} AiIY'T GryR111WATti7rri 1i?E 7209 a a 170.6 1L] 5771 kY 10. TA,7+r S.w.wy yuIjipTAL a Ell M i n JI, A L -ft 1+ ACD.WY ?A••rrh {uKd TR.i1�Ctr a[R4KY3 32 omrr &ft cEpff r M YA T&Cnn" Sr�Lr4 12119 t2l mrm 0 a 7 O >a R VL t. 0 AO -q SO -M .7 aLe7OTAt A XL 4 jo ftu .ft so-" AWORr' M hoctm 31 A-" 5.rr.rj Aanmw law 7 WM r1a1 flu VIOArm Lk 7070 7 IR 10f twig 7I10I 1TA I—I 960 a VWA mock f 1:2 Vu T711""" 0 11 U VL 4>Rm + y.,rr s.p--. AU A=" mwvtY 4WW xray uivAn" o T • r A7r jo 71 At—r tue1TURAL Q 4 LMlb 44 kjw, 5wwrj 131 Ad -v l,""0, OWURN A&MOMEW 11'[ 17 Act -01-r % +arJY ✓�5fT7LICM rtE 7111i117F1110 1r IOP4W 10.10. 7.11r so ^M • Ao.,. rn..... 54ETa7K as aM.$" ,} A.CWYS—F—r ,dA[r.wY Surnuy TOTM OAMM FM Mk'"S I" 7oL-A 0 R AMYSu^, TOral FEE R45ED GHWGES 14a a M 0 46 &My S ---V RAL COAWENSABIE SRVC CMARGES 173 UXL 9 ,9 AC -4, ` IW DAL 6Qv VLHT.tOr AOVXE #4K$ 12U 9 M Y V 39 RNr,wisr+Pf. Ca..tiwaau,.lI.161f1h A4ERAGE r�ET-l4EfLL1('E H4ESTA 9kNIC ESf£SS! FJIC�IG ENCJfi6 BILNiG ExCESS, 57 RNi�e."IS,IAnu Co...Fr^•wq^r1V! 'COMi 9Q6 Ox t 450 OX 701 M X)7p V37 xx AL xx RZ 5: 4.LMMa+ro O.L—Cr^c .ac,. r1A�1 5970009 5-01111.-079 5900900 am iiR+ Lr.p 9r.rc. C...m....�.44N 4« 701 xx ICK AXE Mtn 5L K"l Op Roswr raryin.ne• M -Mew n 136 1 w houmrY ® LrrAr,* "ohm J.P. MorganACCESS''Sample Statements Guide 26 Sample non -U.S. Account Billing Statement in CSV format Non-I.I.S. Account Billing Statement in CSV format may be useful when billing information needs to be fed to another financial system in the company. Each section is displayed one after another. 4E C 11 _. F G M t 1 Stav:rwnt Headar 75 Atlnrty O.[BII 7639 FTCCY PYMiMT103 STP CTt Ar_ �14 4x55 F D -W TFT{ OR E6 STP 111 AT gtln.Ty 0't.7669 800K IFR tR MT207 STP (11 2 1-[.L ff d H4adel ABC COMPANY 4509 7, YV FT &DV C,Z To OW BAFIN { 11 A7Aslmly Oe[e�l T,a neglslea ft NWMft 121-1234-12 MOMMe ABC 8 Yl9ND 51Aa1n1Ly D.Iail i $,M.m.n{ Hcap.l FIRST STREET 52 "Z' D.till B7 Tap 51[80 1e1211 51 Aclnlly OeW,l ELECTRCOr RECEIPTS URGENT aL Aclydy 00lall 7715 URGENT RECEIPT CTI 7 SreLemsX Ht 3`e HIGH97E 1717 µ hIM RECEFT (1] 50 A,-dmLy Geral: 7722600K TRANSFER RECBIPT(11 Si A0.4 Datall Total ELECTROUIC RECEIPTS -URGENT 58 Ati1wly De[al S $lalfm.nt ",owLQVZQN $$7 AH 50 A," 0b W Aft ty De[ea £9 OFILINE 8.4JM>aJG 61 Act.1[y 112." Rd3 Acry rA;vTglo DAY ttl$TURYI 6 Stalemen[ Heatl.l LINTE13 IA4000Id -I 53 AdmLy Dd.l 5ialem d P,4—.M. 0123-OT-NOMM0612S556T&201ddi3i,2bidd2G{ -1 7 Sem.r.nnr Haad.l Ye[al fB - ONUFE BANKING 8d Aclmty pc(al A.C-9 Na DOWOEeDTA173i5670 46 A�ItiM1y Oetall 5 S[aternenl HPY1dr 4Stmc n[ Hoods 10 Stalemenr H+ adel i.onact AS CEHIRE -4,1071231 5576M 11 sthw. [ H" *' Gttx9.0 12 Swemanr"""' From VM4 13 S[.I.r u H..d.l To 311V 112014 14 Starerrl nt Ile ,Ar 15OoalarllN A.10,a A—_ f!e DOOOOhh000123d5678 DDA ACCOUITI 16 Zun19n1.1 ArsLyna 1T �u'0'00 rLYEly9': Tow 11wcq For ca the Pwmd WX 18 Cu,Io Apply -u "'SPr ic. Ch.rg. srnwtln U$U 40174E 11 Cu5m: Anlyg s (DOLLAR] T4 AccouM OT23 UO0006o000123ANTI � fu.l9m.i Andysl. 21 AA AyfvdM-ary & oe Se fl DeHnoN CDS Cnwda afor ClAr Cnargeior 22 Anrn:y3imnlary An. F &---y23 Acir.1ySum:ne:yr 24 Any:aimmry ml 210 ACCDLATT SERVICES USID Tk.Xx 1154 7Ykx 21- A.ph11y Sum:r,ary 230 ELECTRONIC PAYMENTS - VRCIEN1 USD xx a USD 17! a 25 Aer.ny Summery 255 ELECTRONIC RECF]LTTS URCF U513 7]L>« U90 xxxx 27 Adr ly %mmary 270 E8.OIRRIE O-QJX G USO xx XK USD VA 20 Actm,y S.M 1 y Yew usn x-x.xr LIM )AXIL 29 A.em:yS,,mn,py TO AernnySummary Wal enarge lor Swee9 75EA 11 Atemly $titin y ]2 Aclmly Delaet S.wee SerxaOescrpm Vnlurne CW Unrt P:tcie Ceerge hN 03 Acttmy MI.& ?i Ammy Dowd ACCOLVIT SERVICES 15 Anm1y D" 212D ACCOIkIT NM ER44CE (11 1 U50 xx xx XXX M AGm1y Dein. 7130 !VC STATEMEIR PAPER (,I 1 IM M 10. b110I 37 A.elrnly 00.1 214D INTEREST STATEMENTPAPEA(It 1 V50 )O:IIX SX AA 34 AUinly D0.0 +721 PAT95L SWr REPCHTWJG 01 1 USD v xk &)(700 A A[r.ay DelAf T ACC09NT SEWCfs ush )VL Xk 40 kvmv De1.e 11 A[ernry 0114M47 kV D- a ELECTgQW PANMElfT$ • URGENT 03 MrAy DVAA A611 FCCV PYIAT EB SMj I SS USD IL�kx x1LS5 44 ASIm1y 4Nai 9677 FlGGY PYrAT ED REPAIR l l t 1 USP xx xx 30[70[ l5 Actmly QeIM4039 FSCCY WMT MT1G3 STP ill 3 USD %k kK k7Lk1f r � NLe1Ra[1Vltal L9/ Fronde ]PN &, =] - d I 0 s'Ay Datall Toed Arh Chxg.. 12 A -0y 13 [ ELECTRONIC PAYNENTS ARGENT 11 Aclmty Detail 7&31 F70CY PYMT EE STP (1} 44 Aci.dy DMad 5632 FIC.CY PYMT£B REPAIR (1) 75 Atlnrty O.[BII 7639 FTCCY PYMiMT103 STP CTt 46 Aclmty D.tad 4x55 F D -W TFT{ OR E6 STP 111 AT gtln.Ty 0't.7669 800K IFR tR MT207 STP (11 14 A<, -y Drdd 4509 7, YV FT &DV C,Z To OW BAFIN { 11 A7Aslmly Oe[e�l 4700 T WAD PARTY DIRECTOESTT(11 3D Ael:my Dotal: meal ELFCTRCNIC PAYWEIRS • URGW 51Aa1n1Ly D.Iail 03 Tra.-,:OHaI 52 "Z' D.till B7 Tap 51[80 1e1211 51 Aclnlly OeW,l ELECTRCOr RECEIPTS URGENT aL Aclydy 00lall 7715 URGENT RECEIPT CTI 55 Aclmti Derail 1717 µ hIM RECEFT (1] 50 A,-dmLy Geral: 7722600K TRANSFER RECBIPT(11 Si A0.4 Datall Total ELECTROUIC RECEIPTS -URGENT 58 Ati1wly De[al 50 A," 0b W Aft ty De[ea £9 OFILINE 8.4JM>aJG 61 Act.1[y 112." Rd3 Acry rA;vTglo DAY ttl$TURYI 62 A,okO Wad -I 53 AdmLy Dd.l RIO NFO RPTG TRAn ArDMS RF1TNG 64 Aunty Detaa -1 65 A. liy O.[ad Ye[al fB - ONUFE BANKING 8d Aclmty pc(al dr A,cl�e[y De[sll 46 A�ItiM1y Oetall 0 ACIMLyDer : 11I Na bcai VAT chapd e5 rho winces ae...mpl hent VATS per Art 131(1 Xd) oflhe — EU VAT D.xr. jx%-(121ECj FD Aclmly Ontall 71 Aclmty Deter: 12 AdAyD.L.II Toed Arh Chxg.. 73 Atlrory Dew B USD 74 Aelre[y D.LMI M SGL 15 T1ar=,DO W34 Twsar5wn Oath T6 Tr.r+.actNm 920X4 3 DSD 73 Tran tie. Glelaa ELECTRONIC PAYWITS-URGENT 70 TkarSaceon 0—d 4ETAR- FOR 4631 I'ZIV PYW BB STP (1) 19 Traaxutl.n DROW 7/172015 BO Trarsect:o0 i?e1al 217r2U1a e1 Tr.rsacegn P.la,l y1r2 A O2 T1e1Far[:op Ds1a: 20, 2011 03 Tra.-,:OHaI VI M14 B7 Tap 51[80 1e1211 2nIM44 IS ira.exnon D.SaJ 3112017 .. f N lrlTarulde[1N {bY F.n`ale 1PHB_ J__ F G H AxI N B USD VJIX M SGL T USA DOL" xx xx 3 DSD XX 0 xx AX 55 USD 1X10[ xx as 35 Us0 xX NX XX XL 73 USD am wv 35 USD 10517( 10(17[ VSV a -v 67 USO Xx31( AxI N IU50 AJX xx.xx 63 LIM )7rAA M Ilk USD 123(567 T2V0C123u%*H v lIX t U$D :OLA! xxa 285 USO XXXI( xx )a Lost) Ia xx USD xx xx NMC R^iewce Cl 100 Refs- me Volume Tranaaclw. A. Tran lw. Clvr y 1735567 1731+@0123400000 1 201 500 00 USD 1237567 T23AIX 12M000000 1 SOU Do 00 USD 123756717148012340"M 1 100000 USD 1234567 12YW12340HM 1 107 USD 1715$87 1734BC12340D000D 1 7D am 00 LP$D 123(567 T2V0C123u%*H 1 125.00000 U613 2245E7'23FBC 12340BUM 1 7.91X0 (DO 00 1_14D J.P. Morgan ACCESS®Sample Statements Guide 27 Non -U.S. CSV format (cont'd): J.P. Morgan ACCESS - Sample Statements Guide 28 F G i M. Tw48p,d, Detail 293 ?uniod" i?na,l PM 7——1"8elail EiECTROW REC€IP75 � LJM_.EWr 245 Tunswim 49115!! DETAIL FORA715 URGEe1T RECEIPT [71 246 Transaum {kcal 71112614 1231'xr7 1214M1234400014 1 53.960 40 050 197 T,a„yaciiw� Oct1120t4 1231547 123A9C123Aa97000 1 $20.099 O9 VSO 248 Transad,, Ntall 7/117411 123,1567 123AEC1291000p00 1 97.8 81 31 1150 243 Try,sadlw, Delad 3,1 r2V15 12U%7 123ABC12340WM 6 ON oc. VSD 307 hy,s ow DOWWlf2D11 1233567 12MK12310MQ 1 329.038.(5 USO jot T�aaG,w,Wall 3+1W4 1731567 123A@C7231600400 1 934.M go {1150 3p2 T-raded, D"3l132p15 1231569 IM123d00000o 1 1.060.046 00 VSO 383 YSansacl,pr D"l 151 2014 1754687 123f,�G12344P0400 1 4,$60 90 V50 394 funeaG,pi D -W 6!1'2814 t23455i 123:41301734400890 1 179,094 a0 VM 365 Transan,en Oet&l 6n24tA 1237%7 12ZADC12WOOL O 1 4.409 40 U50 3N Tuasw%w It 71t2611 t2W%7 123R3C1?34400000 1 16 ON 00 UM 341 Tunsad,en Derail 7AM 4 1234567 123ABC1234400000 1 5 255.490 00 5150 308 Tranaadiw Detal 0.+12011 $231557 123ABC1234000000 1 5a 006 00 VISO 309 Tann l,on Catail 11112p1J 123d%T 12MBC1234000600 1 3,015.509 40 0-90 310 Tra9sanw 4elad Wjf2P15 12:519567 12W,5 C523900M 1 3.629 M 60 U50 311 Tq *,YA: n D9,all 4+12614 123,1587 12NLOC 234OMG 1 11060.040 00 USD 312 Tranaa DrIa11 10MMA 173,1567123AW1234000000 1 20060600{110 313 Tr4n;anc.00-1 10rrr2Pj 1 1737561 723Aac123460ppp0 1 3.004 W VSo 314 TTJnapGi w bewail IWJT2014 12375$7 723A9C1231060p00 1 456,000 40 VS0 31s Tragi d C. tlelnd 10r126u }23755? 123hBC12uboamo 1 332.aaa no U= 315 Traesa4,m Uel&I VV 2414 1231%5 12NIM1234a0406o 1 500 an 40 ULSO 311 Tunsactien Detail 13r0124u1 }23457 123A6C1234000600 l 200.040.40 U50 318 Transadm Oehl 1314120}1 1231557 72MM 234a006a0 1 7.262.980 00 USD 319 T—.d,w, Dela) 131120}4 1231507 17.SABC1234000000 1 9620.000.00 V50 320 TlaesacAm Oelail 1J+611201A 1237567 12PBC1234ONM 1 5,700 00 U50 327 rransacnw, De 101 1Ar0120TA t751 547 123ABC1234ONM 1 889.010 00 VSD 322 Twsaci,an Del a,l 15.'45+20}4 1233567 123A@G1235600000 1 515.000 W US0 323 Tran: .,Cn pelall 16N11Rota 1234%7 723,4BC7234000900 1 t 394,606110 VSO IA Tu • ,pe Clad 15MIraT4 1791541 7239aG1257666010 1 3.161.m W VSo 323 T.aef I . Deud 15.111014 t W$6712VZC12344MO 1 1ao.* 66 VS0 325 Tunsea6W odw 1& MAMA 1231557 121A9C1234040600 1 4.000 00 Uw 371 Twsae6en Oehl 131O120T4 1231567 123ABC12344000a0 1 1,504 ad VSD 328 Tlansae Detail 1h0126t1 }231567 f23ARC12340MG 1 86,040.00 USO 329 T,. -d— ik1al T71651204A MAW 123AW1234CMM 1 590.000 00 USO 334 Tr mdlw, Dela! 21+Ot20t1 t737557 12M8G1234400600 1 16.515 00 U50 331 TFWWA,dl Ca Wil 21010IM14 123456712310C12349NIM 1 499.975005150 332 T'psactiw,{klad 2VOt OTA t231567123A9G723J100000 1 5.90001090 VSD 373 Tian d.. Dalai 2V0102014 123,1567 124A9G123S000000 1 .5 am 69 USQ 337 Twsanw Delad 22r9140t4 1751547 12AIi G123A690400 1 174 Opo Go V.W 3?6 Ti—licit pklad 2ML2014 1737547 12395JG1?3A900pp0 1 5.95'4.04140 VSO 336 flanaaGnon belad 22r41120u 173,146? 127rAM123aMNO 1 9 aaa 441150 w a . . 5.ee.."ro--n-�...s.—n ri .�_'_._ __ _ _ — 1 J.P. Morgan ACCESS - Sample Statements Guide 28 Sample U.S. Account Billing Statement in Adobe PDF format U.S. Account Billing Statement in PDF format shows each section of billing information in separate table with total charges displayed at the end of each table for more clarity. Balance and Compensation Analysis: J_PMorgm .IPN.7RGIN1 CHASC RAMK N A 1D LWWII AVE HOUSTON Tx 178$ AI+CWNT ANALYSIS STATEMENT FOR .IANUARY 2013 0_RSlilk OF ACC W FfI�QQ QQggQQQ�g12�65&T68 6ALANCE AND COMPEN$AT" ANALYrAS EARNINGS. ALLOWANCE RATE XX.XX% WLTIPLIER L4.7"OVPO +zap LCC o00 +3A —, illi PAW 1 OF 4 ACCOW4T- 00 000000`0001 2366 7 89 PRCAOONOPI GATE Q20&201{ OFFICER CONTACT; PAUL IIOMAN 42177 12Sx]OLx OTHER CONTACT: JONAH LAMTAA 12127 i234XXX J.P. Morgan ACCESS®Sample Statements Guide 29 BALANCE COMPENSATION AFYCODE DESCRIPM11 Ij-0RUATW4 I.FOAIAAT*N MxW AVERAGE NET LEDGE R SALkNCE S.OXO0D 0.00 0000.90 LESS AVEWE FLCUI BALANCE 00 .00 000010 AVERAGE NET CQLL€CTED BALkwx 5.xo.OM 0.00 000011 AVO POSITPoE COLLECTED BALANCE 5,000A00 OA0 05um LESS ODA. RAL RE$RYE REQIJIRMEWT 00.06 OX940 M+E5TA9LE AALAKE e.M.0m 0.00 000100 RAL EQtAWJ4T•TC1T SERVICE C!4 c xx XX XXXY OW10 EI[QESS+iDEFIGITy INYESTRLE RAL xx xx xx.xx MWAO FARVWGSALLOWANCE xx xx xx.xx 000.981 &AL COMPENSARLE SRYC CHARGES xx XX xx= 05wdl EXOESSIDEFICIT) EARNING ALLOW XXXX XX XX 000O14 SERVICE CWVRGE AMOUNT xx xx XKXX J.P. Morgan ACCESS®Sample Statements Guide 29 Activity Summary: Ac.WurIr ANA%.W,IS STATENIENT PAGF2C— LGC rcn ij FrA JAHUAR'17A14 itt-OL": WDIDOW)DWiM4515M ! t'iklry.Jrl PAWLMC 091 MT'• DD.M4014 A11CCLNOSAMr J-0 oeralL oF�LQUNT flDq,¢U�„4iD�rga PNOOIFOT LM AND OESCW pT10N AIXADJNI SERYCES AGCa11MT M0IN7EWfKX VATFFJSENT LX=& AWWOEMIR MATIONR "rOrAL FTM% FRANSFEA SERV ICE 6 NEVFrrr0?T(wNTAUr1T149 STZIRAM SUOTOTAL .IPMDF4AN ACCE65 ACCOUNT MAW - r YEAR HtMW USE11 WDOULE FW J'N ACCESS NOW FILV PAINT SU13tWAL PRG34LN ASSE96MW FEC FREWUMAS5ESSIUDii FEE SMr(rAL 9A6 FGOIVUq•Itl[I.F_.RJT ONRI�d alRiLtY Relationship Balance Compensation History: I JI'StSFrpp MORli1 N.-. JAN -JAN A4ERAGE JRN JAN NET EERIRCE lALJ�7fC8 Acnvrry auMratgRr SAW ACP CHAROMM Str{VIOE TEPWICE UNR 000E CODE PHI" I57 VOLUME .3 a! DID) 5{%iOl oIRi6 0�0m? ]U}J[1( 01 ME 4TDw "K D(Ilii kbw--, xx%k I&M 91WI-1 "I A D666r sm5D5 xcxx 07W xA5,7 %xxY W10 D60r- : XM.MIE t: 9A6 FGOIVUq•Itl[I.F_.RJT ONRI�d alRiLtY Relationship Balance Compensation History: I JI'StSFrpp MORli1 N.-. JAN -JAN A4ERAGE JRN JAN NET EERIRCE lALJ�7fC8 NY Ll�® CF;AF LFA N WUIVALrNtIr} CHAROMM xx W.Ho )9CIUC • mu I xu 2w XXXX X�m 49431.11 PRODUCTIONDATE- K, aalxA xx xx XL14L 4 i I P XXII X . ESE OEM =AA mxk : A1] xr_a i0 XY.YX I LL4 ER U%w i.7@T E64156 7 mlfx z"f" Xx.0 Xkx7t ; �~ 2Awsrr. {5} x7 *)x xlWf J.P. Morgan ACCESS - Sample Statements Guide 30 12M LCC 000 173 4757- lW ACCOUNT ANALYSIS STATEMENT PAOE D OF A FOR JANUARY 2014 ACCIXINT_ ODO DOGGppDpp12355pTSB PRODUCTIONDATE- *74)6.2014 oeTAILOF ACCOUNT ON OG4hOD060123496T69 RELATIONSHIP "LANCE COMPENSATION HISTORY AYEIIAVA AVERA*E nfI MLANDEE1[CE55f EdMVALrk7 Mc Fe T} EAARMS —E —E— CZA001m AELr IOErKw7 LL4 ER O EGTED MESTADLE TgTAL9FANDE M $Th6 ALLOWANCE EAAM40S 9ERYWE EARN s BALANCE BALAKE 31.0-1 CRAMES "LAN" RATE ALLOWANCE d Ar&@& ALLOWOkC! {5} 15) I3) (S) (3} {til IO i7} {5} "• •r. 5.L46AW _ 5.0WALD�XXAX Xk.Xx J`Lk%.- X X% .••.�. ADDM06 560DAD6 XY%z XXXX kXYR 1♦ x MEM J.P. Morgan ACCESS - Sample Statements Guide 30 Billing Statements 2 Sample non -U.S. Account Billing Statement in Adobe PDF format Non -U.S. Account Billing Statement in PDF format shows each section of billing information in separate table with total charges displayed at the end of each table for more clarity. Activity Summary: J.P. Morgan ACCESS - Sample Statements Guide 31 oa+421'ri 4, a a"31111POWRI fab PAGNh d1 N.Aw., D'd4-1.iW-W WW,9.1 $A6 WRO 14, Sii YPg„ f111 SMIbrYIbrN R'NIYMsLi 11a O12ig4044pp04pG91 ET1+f' f8-1."3a:47A1Y7•i9e79 AOCCOMPNYY LID 43 WEnlaADSM ut7 Fran 41i41R sa AO_gry E To 2rg4RD1+ 1,0*40dl EN a, 213 del VJ.y DU. 2S�A41i t1NarD Itl%00- 13 q�pb C i -L T390u1TIO91 CENTRE W, jai UU Win Croap Np 6129 G4 Okifil ial 4374 Cr7GuP ACCCHJb.7 A[ 4s In[ksbe m YNa �&" 9tusp t AM= No. Ot23 ilpb¢OD01Y 55 II 01P3 IILMMp23Jsm 4123 b06gODOp+E¢'�iq hgoount Na. 6123 OWMI-7458M 4123 OP�4p3e3b-� 6123 60ttG447�6M2 FaCwt Na 6123 096b4C1ria9676K1 Otn ONOX+CwfW2 41 3 0Q -C C'1$719IR7 YgpawL Na. 61y,1 �YA+JQp+3S1A412 01*D MAAO 9FMI23 4135 9Pb% (705231 AWPWLN0. 6h$} JR*Ib00%?0IY1 6127 41-011"L?•W93A 4123 WotWa78B,:9a5 11PQWL Ne pin tYY,bYAxl ?XV 4125 4P.iAlliri1P173i5 4173 OOOhID09Y18m A�IAt 41T'J ODh3Z9%2i_23i5 0123 MUOf W,29.£5 4123 4Ge44p�7$A hG.'41fit N0. 4133 !X4%UWIV3iSd Tt41 Vidrgd Fat 54UYQ 71111 N*4 AILRY Taal Ti�ARkkinl MIX "'.�inbxr Clew WmvA4 o LIM IGOl1ARh K7Ua TAAt nr 4125 41ht44(fAa9Ff80 IkwAY Surmrry CIII= Tye SllYfl C—Pi— >'aln Gil .* GD123 ACGQNNT 9E7tVIGF,B URO .7mxx 00419 Rbi.7"XIVK PJWktENn-VRQW U50 7tlL. x 04184 F3Eq7T DW-RECUP1S-URWNi 4RA 11" O4123 ES ONLINE BAWWG 1160 TO( r.W U50 xx xx LM xx%% Tax C hun7e k. Tar:. —o xx.KN 13— L1rtit P— Cn� 1v CO* siM Omaghim VbHJrr Gm i'*�l ID TiaMMR ACCOL/N1 6ERVIM J.P. Morgan ACCESS - Sample Statements Guide 31 Activity Detail: 0-4:,20'. OW $100-" Car16ct TS SOLUTIOMCMIFE +(0 [0)1294 S$M T— N.,kW Op&lzu-5I V k)V • 1TFAA I ffoG .I'.j?Sinl^�a11 omw Na. 0123 UO 46tW091230M SI41aI1wII Refxenw ner al23-0P90090C1A09123156T$123t.14TN]•120476Ab A1ICCOMPANY LTO ACV*p Wed A3VPEST MADISON ST F. 0141=1■ ROSEVILLE T9 319"=14 LONDON EN 2 2LS 13 d 4dve pay 25AR 1014 UNTTEO KI VrWKl Pcga 2 Car16ct TS SOLUTIOMCMIFE +(0 [0)1294 S$M Ift Rp4U11�n N�e 1)00.1 m S0 M�r SFFt IMRT+ _I.k:i orvaNa omw Na. 0123 UO 46tW091230M 4wwrRw A1+eTen*NIr OROUPACDOUNT ABG COMPANY LTD ACV*p Wed A3L wr;s T MIIO160H ST F -w 91,00014 SW401 It 5141IM14 WIN Fftb CI1tIq� IOr C*% SI otdvw en yo" Gym PMN IO 54Nh4 0123 ACCOUNTUAINTENANCE {1) Y7 USO XK.XX xx_xx 9133 AC 6TATCAIEN7 PAFER (1] 17 US0 XX)O( xK" 01$3 INTERE$T$TAT£MENTPAF'EFt(l) 1T U$O KXXX M.XX 0173 MT960 SWAT REPORTING i1] 22 LSO 71x7@ xY%X Tdgl AGGOLINT SERVICES USO )(74%75 ELEOTRONIr IRWMHTS- URGENT 1294 UCCYPYMiE61TPj1] 4 USO xxxx xxxx 1294 F:=YFYMTEBSTP(Ij 064 4150 7(xXX xx.%x 1734 FACCY FYMT EB REPAIR (I] 1USi7 xxxx =XX 1$34 Ut YPVMTMTIf*WP [7i 1 'U${7 xxxx XY xx 1234 F=Y FYIlT MT103 STP (t) 3 U$0 1[X1(% XKAX 1234 90ER TtiR OR RSTP (1 ] SL USO XX.XX x): xx 1234 9001f TFR OR MT202 STP Ill Al USO 1L'l" YJL](x 1234 SWIFTADNDETOBNF BANK {1y 30 USO xx.m xxxx 1234 TI.IRD PARTY DIRECT DEBIT 11 ] 47 1159 ><7L10[ i0LJf7S Ta01I EL ECrRONIC. PAYM NTS -URGENT USO %x Ki! ELECTRONIC RECEIPTS - UROENT 1734 uRGFNT RECEIPT(1h70 USP XX%X xxxx $ 1734 URGENT DOFFESTIC RECEIPT[.. 11 LSI] xxxx "X% 1731 MANUAL RECEIPTS (1) 1 USI] Xx:xx xxxx 124 BOO+( TRA11.9FER RECEIPTS (1h 92 USO XA.K [ NYXX 121 PSD REOEIP" NOfsWNPLIANT A USO )DLKX )DLXX 121 PSU NECEIFT REPAIR 2 uSo xxxx XX." Trial ELECTR(7NIC RECE IPTS- HRGERT 1150 70-70( ES - ONLINE BA,NK,NG 1734 ACCT MAINT{1600.Y HEYDRY(1h 70 USO XX)D1( xxxx 1734 INFO RPT[7 TRANSA1-,TX]HSREPTNG(1j 4w USD 7.X.71% xxxx Td.I ES - ONLINE 6ANKIH3 USO XXI05 (1.Np" VATdmt2ed aeto serrlwsare emw* ham VATwperAA 1WIXdI&the B EUVATOmohn 5200&112M 0A0=0I A kw" 511Mnrn1 GOnq+A TS SOLUT+Oy GPNTriE X00 (041234 500 (yF4W No. ow 00 011owl'73•L" GROURAGLC4NT TOaI Ac. W g 0arraks Lt50 -[xxx YOLK NOMINATE7AGCOUHT YNL]- BE DEBMEDFORTHETC-TALAJdOINTTOLE ONTHE 2RMCALE06PDAR [MYOF THE MOAN OR NM BLISNNESSOAY. PLEIS'E CHEGKTHE Ar-,AZA� 91LLINC STATEMENTANOADy E VMR CUSTtAIERSERWE OFFIGEROFAA.V OISCRFPANCIE9AS SOGNAE POSSIBLE EAT117R1?r^ARNm BE REFTIPEO ymd" NOTIFIED "TUN �IPERJW OF iOORYS FR+DMTHE OATEOr THIS SVTF.METIT J.P. Morgan ACCESS - Sample Statements Guide 32 Ift Rp4U11�n N�e 1)00.1 m S0 M�r SFFt IMRT+ _I.k:i orvaNa 4wwrRw A1+eTen*NIr 01C3do-aL400t6Godls3e5e iXAN7e•1230M ABG COMPANY LTD A3L wr;s T MIIO160H ST F -w 91,00014 ROGEV A.t It 5141IM14 LONOCN EN 221-5 Dklk Y"OpK 7Rwwi4 UMTtEl KNNGOU)A Pym Is GOnq+A TS SOLUT+Oy GPNTriE X00 (041234 500 (yF4W No. ow 00 011owl'73•L" GROURAGLC4NT TOaI Ac. W g 0arraks Lt50 -[xxx YOLK NOMINATE7AGCOUHT YNL]- BE DEBMEDFORTHETC-TALAJdOINTTOLE ONTHE 2RMCALE06PDAR [MYOF THE MOAN OR NM BLISNNESSOAY. PLEIS'E CHEGKTHE Ar-,AZA� 91LLINC STATEMENTANOADy E VMR CUSTtAIERSERWE OFFIGEROFAA.V OISCRFPANCIE9AS SOGNAE POSSIBLE EAT117R1?r^ARNm BE REFTIPEO ymd" NOTIFIED "TUN �IPERJW OF iOORYS FR+DMTHE OATEOr THIS SVTF.METIT J.P. Morgan ACCESS - Sample Statements Guide 32 Group Activity Summary and Detail: J.P. Morgan ACCESS®Sample Statements Guide 33 C4NP126,4 efkw sw TaxfAgro-amn MurLe, 1733-53 Lfah4r3FAd IMRO l-11. IIr1IaI11 SYknrrrt Rrf4fM" N6r 12345078-1204jyT0 ASC COMPANY LTD Gapd 03 WEST MADISON ST r— OWIW14 ROSEVIUE Tu 01 oltw,. LOADON ER 2 2LS Rd" 1 UNITED KINGDOM codwt TS SOLUTION CENTRE +W (0} 1234 56789 G" No. 9123 00 00LW1734" GRQUPACCWNT Avow No 0123 01 0)4,* 0123T30T6 DDA ACCOUNT TORN CMrw For Sudor 71111 PMo4 KK.KX Taal Ts Am w 701xx ---S.W. Ch.W A—I W M USO{DOLLARj XX.KK ToA00DL* 0123 07ACOB1234MO. AM* SOrrnrrF $ltlY�Cr ChM04Ipr Chug Mx T19e Somw Drr www Cw Cw Serw 00173 ACCOtAff SERVICES USO xxxx 00456 ELECTRONIC PAYME141-8 • URGENT UCSD XXXK 00788 ELECTRONIC RECEIPTS URGENT USD 1C1ja 00123 ET3-QNUNIF MWINIG VSP KK -10S Tqw U¢p *LXX 1190 YY YX Tt wCkW90 Fpr SMvgy xx.xx Ae&.Iy Cwu 3eMee PVCID s rvr�eN� ' OC4E $e,vgeOm��ipr Velar Cur pro ACCOUNT SERVICES 0123 ADDOIXfT M4IfTEMAHOE(S) 1 USD 7Cf.76: Xx X p 0450 AOC STATEAdENT PAPER{7} I MID 70 XX kx-A 0:88 INTEREST STATEMENT PIPER III I U801 xxxx KK KK 1254 MnSO$WIFT REPORTING {1} 1 USO 50= KK.XX TcW ACCOVINT SERVPM—S USP XXXX ELECTFDNPC PAYM WM-uRGENT 1234 Lj= P77AT EB STP9) 55 USD )MA xx.xx 1234 FrCY PYMi EB STP i1} 1 USD 70 XK Mxx J.P. Morgan ACCESS®Sample Statements Guide 33 Group Activity Detail (cont'd): J.P. Morgan ACCESS - Sample Statements Guide 34 wl,axnc*+ aa+.lal+snM.ma..;FA 3IMW7 I l!�iI Irk Irl 91/kriw,Yl?dw�kEr P10}OpQCp(1Pb00POlYP#98Tg I7J*57@�12}155/t AGC C-CrWANY LTD GanupL-4 63 E65 MAD F1gN ST Fw OWIM1111 ROSEVILLE To 91ifouff 4 LPDNOONER22LI firs Wv Own 75A177Ru UMTENNNG0011r Contact T350LU71946Ef1T9E •0010J5R3 *7fD OMW No 0127 OG LriMWZ319CE UWUPACC�OUN7 A=MT Ha 0127 00 ;Qft d1ri1SC7S QLAAQ,'QUNT AMOft VOW 3wwb* Um aria CFOhr sorb sby Dun_phon _ _ — V7k.rK Do P1ws 0S=w [TRPSOCY FYW WnED SrF 11} 3 LM13 IMYX X%h]L p1Y39gpc"on M STP 1) s5 LFSO )WM six xx PIP IO() TRPRMT2M `1} % LFiD >e>�105 3,;rAx W" 5MITT &OVIX1U611F b:MT 1+s 24 VSD XY xg xx xx W23 71iIRL pmry QIRECTpF;j-T(') j5 USF} XXAX XNAA ,rAw ELECYftQIJIC PRndwr:, - MENV r; Ka ELECMNIC RECEIPTS, UROEN7 1261 LOXW'r RECL:IPT (`1! 7 USD xxm xx xx 1831 MkWOL REr,EIP7S ill t UED mm }XYA 124 1OOK 'RkV-RR1aEC8PT i11 S3 USD ?Xxx xx xx T" ELEC7RONCREGE)PT6-URGEN7 AD xxa Ow"C ?;LIKING 12x1 ACCT MAINT 110 DXY F+I9SCIR'1111 1 USD AUX AK IIx S;?{ INFO RPIG 7rRAFEALi10'rS REPLNG 111 ad MD. UXX kR xx Ten+ Ee - ONLINE RANKING USD KX.117I i11 Na x>u VAT a"cd a Lha arrc+ss ars nwriM" VA7aspvAfi 1114$Xdrd sw. wL EU VAr D.mcuw fN0Nl13m! raw ACV.AYG WPH USD ;If.xx S J.P. Morgan ACCESS - Sample Statements Guide 34 Sub -account Transaction Detail: J.P. Morgan ACCESS - Sample Statements Guide 35 6a+RLt4 � 4 1�• H.yNMbPn Ku���, no0.17�,'�5 Wwn�, hell6 HARP .l. Mt,1quil 9upwirnL R41Y1\n6r F16, 85�}p1p;11,yppI1�W12,7d',,�$-I{54'Sp77.1�A55'!5 An COWANY LTP ST PO SVA U UPNDON E14F-as '.—N k�r�r uu �7Cbo7�fY,r�G6;9 UN1TCDg0hWA16Mz C4rojd 13500411Qh%WWE 49 101 1714 591!2 Qr0,1PH0. gin 99 94ggppLl MAWJ7 4F94L,P pGCOW1! AmeueNa oris 00 00060001p815015 o0anccnulrt r nd, 3017RK70M JOW CFq V im,a n TYRpOdon QIIIC 16e1C411ee B[+fETFR+ l711l+1! Fsw�' lltrtAa E7fY.YRbF11c r.4rNEN r9 UMW OE'f445 FOP 1114 F+Ci'Y PYMT7P6 AYR 0&018444 040001jW1 Z34WT123456?14F61&1154 7 MOAM.09 im O;d01ROF4 00000000127AS0T 1P34MICAE 17J+56 7 2A ILW,WOW L 0 1rC1F4 COP79P9017745P7 1231i0f6AOFit3i65 3 175,480-00 JSO (6.611N. 06060060+73[667 ,2Wff?846r2715R 1 pd,SM 00 Llw 9Y+91r76rA 0900=1:74461 12xid97@FFl t7jw I WOO 1isw 02AI.Wa 90000=17] W i29+E678kS 129455 1 2,198.00 ust) cm,T7l14 000.109m,774567 123d687$h 2%M 1 700090 CF n 06O1r4lA ODIUM, -74587 12d43875Ap 1231.,E 1 1.MOA73690 'J99 OYSI.ROM OOOD6W1774w 12$14$7549 F7w 1 $,1721(YX" 1150 MA1RGt* 90000900 Z 1?}ixMkVM454 1 4089,09600 W30 97lJ1r{4M 946991RMW W0 12$i511-761191ZOK F S40,No C9 W! b O7A1r20F4 OOm90m12iA✓ib7 12346FBA8,29435 I 1.7W e0 LM 9"IPM14 aDOODO901?,MW F234467@FE 12;-W 1 WAVO9e U$0 Fna' 14 11170709001 A3 "T 25k6T6MS1754y6 I 21d0i O6 Lf5[1 147rJ17'8,914 tl11G011P001834h07 r2S[i6fi�M111tZYS6 1 14A<00017 L717 0601r�14000000901 rAM? }${,S�1y4$ht?436 I 96727 LYSfC1 �S 06AH12644 06000tr7012%i67 12F46674A9FyY419 I !0096 L1A0 .91+8074 twutr19,4 009706461 i34W 00970699, 1AW 12$l6diiME 023134 4�99670AOF23!66 1 + }4'.+1.00-06 •14A7W90O "?W 4.154 6 ra91.1a614 0OWDW161234397 r'cU4PhAb Sk% 1 NE"o9 Ab 13AJ1r1414 0OWD0'J012743e1 1y.1:36797Ljj 12315E 1 I.090A701700 1159 i301r;g14 00070M001894641 1231667649 F13136 1 66A700a6 J8,7 ¢ the AM 00MO iF11 r741N7 F2:i5674Ap 1,' 13156 1 1_p,{ORpO a" $ 1779172014 ODOOD000170i567 1pS1497643127956 1 1.165,AC7 30 USL if 14148014 OMOD 00 1 )'W561 F¢jASCM924% 1 O.W7,6009e 33b HA1!>57M 00070050,874507 Mxw e6 WIP 11418011. 00014000131567 1y}>.X67611p [2J16E , 461,i[L'47 LISA 19AIf1914 99900986,:34597 1ZT4S676A9tZ.}y50 1 74,07000 1M 144 FA 0005M80187455'1 123Fwull123L96 1 MA70090 L1A11 IW2014 OwWo 0, 7705E"r USO J.P. Morgan ACCESS - Sample Statements Guide 35 Sub -account Transaction Detail (cont'd): J.P. Morgan ACCESS - Sample Statements Guide 36 OAA1B'i01� Slil It T_ R T_ w� Il� xa 1 zaL 5A rw­ SFA a rARa {:4u is ~mn 37O~ R44n1Iw W. 017WI467C9a499D rQ317E7&127+SG?& 123afi7D ABC COMPANY LTD 63 w1sr MADI SON ST ROSEVUE LONDON EN 2A.' UNnGIUNGb01d A. .R r'LAlbwf Da 125A5L7d haF 4 L;WUKl 1559LL'1 VN1:kHtttk W0 W1137r1SffAN 9r p W. 11.23 09 626006ia.M7C1d ORCIYP AOC JLkNI Axawa Nc 0124 r7i D(EO0Lp1yUWM Wk40OMW 1 RDwM. Sn�yden 4PMC M1gEIA4f TTOM '�W' m TI Mbahm DAN 74h." prhq� ~ Ai Off&e IIQYB1f26 ra 96 Oo011miz545OT 1'A3a6(<IlfA$11!Slra L CRM90 I1.SO 67A1rIIIM DOODDDM UAW 12JV47!lJH L22 -M 1 1 12S%IRU UM OQyO1f,L0x4 DODOO D17i M7 123"nMtes6m 1 13SA p=OO Lim QN1f20o4 334587 ! 40.CODO6 Uw d7A1*ar4 =234N7 ISLU7aMlMIR 13pa$j"RI+A 7*0 1 1.414MOO L-0 02AD7170LA OOOpO0001LMW +3]1557141 W'55 1 303,OO 60 U$G OMM", DOwQk M2MRq 1ya15B7w i.,wd 1 �,672.(ADOo USD 1{3g1,PH QUOxUMIWU557 1291ZL1.C1 I= 1 W5.070 n9 LOW ff"f IN 9000O1160IZWOT 12IVT" L2&L06 L 1_I.S1.00 ULD 6dA1lLDr4 OOMD 6000Ou06123AW7 12$i5fjrpA.11123i58 1 1.463,Q30.D0 u5O R9 LA DDMIXb0:IMM7 1Y64657aA W.5a L af%"gO U$O MPDIfMI MA M4012mbdr 13E15dt9aR:21.W L MWOO AD 6w,rAh4 OMMOIzmW 120567WFZ3Li5 1 8.t"MWW USG 19661426 LA DrKvh7am r234aS7 1 7&Ag123458 1 A?a5, OQQ LMP 66012x48 0000600O12S/SE7 12'N64YEa8l2?Lti 1 161r.006W uEC7 Maq rx, OOOHOM,2 SMT I p123+5a 1 x.50600 O -W O6g172OtA DDDXOX 1234517 igns"Us 1234Ea 1 Cr Ifieww USD OWIM DUUXOX1234 7 1?ii55Ta+8LMA56 1 21,IODW UM MOW. 000o00o0z MM7 lg�dd"I/Ia�d6 1 1aa,O000Q USO � 197917,!x44 WOOW17912y1yj7 12[1 M?WL2S4M 1 1W.WDOD USCI 'wril)r4 I'y01f76 rA OUOOQOWT.k315ai OODUM"Wr$iA40T 128466MQI28At6 1' 'Lyyia6 1 1 &Q06AODOII 4,77ORIAP LA.SLI LFSii 13Al2ohA 96990000+234967 183455? 4aj r2MIS 1 3,496110 u5O LaoIf2DLA DOO6g11DDt .", 12M14C578a$1?54[$ 1 73, DAG USO 144 UMw pgpp4AfA111A1Mi Iz"I%9' wt7M L MAMW «5h DETA7L8 FOR 1234 FBCY PYMT EQ REPAIR Mormpa-M gwIf ODOOODOoz2m"? 123+557aa812a 1 4A,1-0DQ6 USD�tltA DEIr7LA RC1N 14M FrL"Sw a•r+M1r,17,-0p nTu 1p31gg7aaD1=9i36 1�7i MT4 DDDDDOM'z345U 2NAwI 1234S7 1 AMOO U15D 0;:A1pit 1A DOD30 M,23AM7 1 39,UOOx6 LF.0 rI=P10*A 000000Ofr234M? IMIUSa_M1234 I AAAWM Urri WTNL8 RM 12.79 R jDK TFR CR eH %1 A OM R6rA DODOMMUI&W 121955TWIZ94M 1 1,97114 U SCI Diol O6 ;4 DDO3DdM1,t2AaOT 121L581aAA1K39EG r 611,[}94 U31A J.P. Morgan ACCESS - Sample Statements Guide 36 Sample Billing Statement in BSB TWIST format Billing Statement in BSB TWIST format is XML -based industry standard format for electronic bill and may be useful when billing information will be reconciled in company's financial system. �?xmlversion="1.0"encodin¢ LJT-8"standa1one='yes"?, Twistxmhm=l tp:llwww.twiststandards.,orCI3.I/E1ectr0tncBiling" xmbn rsZ=1ittp:llrvww.w3.or=fZ006R791xmldhiWxmins:xsi= http:flwww.w3.orgIZDDIMMLSchema-instance'xsi type="E1ectr9nicBi1l§1p5 '- -header xs1 tYpe°"ResponseMessaEeHe4der-- Yma3tagNd 123I2345675420k3-I2.0ITfl85036.156.05:00LE112074-01.03.05.00�!messageId­1nReplYTo-12341'_3.35678x013.12•ll1T08:5D:36.I%- 05.DD L Eii 201 i•01.03.05:00<lmReplyTo� sent5y id= _ 121 M IK HAmE_r I -A_", . typedP "Id. {partyld-12 3,1pn rtylds,p artyldT pa -123- fp artyld Types, f typedPartyld•- Itenlbys <creatm n71mestwW, 201.1.41- 2748-50 38.533-65 RR IcrcatbnTerrestamp, 4header, <etectronic5tatemmt� Contains sender info, unique message ID and time �statementHeader, Sgtrrrt5e14er .orgld,.orgidTypa,SW.JorgWype,.orglditrm,CHA&ML,for$Iditurn <lorgld,snane,BA 1KNAME. 11.A.<fname,f1el2alllama, $styli 11AP.T. H.A.AAegalllame=scomactlnfo•1-5 ABC STREM 1 add ressL1ne- tc ity, Lorrdont I c llyf tco un try5 ub Dlvlslof» t n arrle-England � I name- t lcountrySlbD nn slon- <ca u ntry- GBt fcounrryf <postCade> ABI Y 1 A9 < fpaztCvdm < fposuafW rc ss-• IContac unfo, °�stmtSerldv> Contains sender's name and contact info •stm#Receiver, -name,ABCCLINrrrfname,4eEalILime,ABCCLIEI✓-rLEGALIIAMEK1le¢akliame, Contect1nia,Kpost idress,�c1iy,I W YORK,fcltr-<Caunrrf-t15.1country-<lpoxtWddtess,tfcowxttlnfa- sfst msltee eiver - <htatementHeader> Contains reC2lVer'S name and Contact Info � statement - �wcolmt -accountLeval-Detail=l account Levek- -bb an, 0000000}WMX- ibban,=iban- G5I2ABCDI234%12345bi8-11ban,cstaternent5tartDates2013.12.81- 05:06,1 51atermnt5tartpate,-statementEndDates2613-12.31-05 {0,1 statementEndDate,KstatementproductionDate,201+-01-03- 05 00, 1 statenlentPrad uct eo n Date, <statement5talusr l7riglnal < f ztatemen*tatus- � accountl+amc- ACCO UI rr I TAME J. 2014.01. 27.05 ON IdelayedDebrtDate,lsettlenlenrAdwce-Statement Reference I lumber - 0123.01.0000009DOOSf YLSWfJi -20131231 fDeh it Value Date - 2014•0I- 272lsenkement;dvice, =a�countgalanceCurrcneyCode-GBPefaccouniBakance{urrcncyCode-;settlementCunency{ -rgp fyetttrmentCurrcneyiode r<taxRegion[oderT7f123<ftaxReggn[ader<ta�eglonRessdennYex<ItascReFlanResldent� Contains account information J.P. Morgan ACCESS®Sample Statements Guide 37 BSB TWIST format (cont'd): ecurreatc yTranslation - arlQnalCurrency-USD-fonglnalCunency+,targetCurcency GBP,1tarQetfurren <translationValue 9.b452902•ldan�atgnValue-,bags-L/Q,lbasim Jcurrenc Oran- lation s �bafanc#rrbalanteldentffler�Ledger9al-n,r�lkt.l6blanceidentiFler*�balanceYatue> Contains conversion rate between currencies Oanmunt.eurrentyGBP,1currcnty.lbalanteYalue,Amkancer ,balance,,balanceidentiFierCollettedBal-Avg kt-lbalameldentMier-z balance Value- .arwum - 1.2k -)amount, currency-GEP- kurrency-<lbalancevalue- qbalbnce, .ha�ance ><b alanteident, her Cnllec tedlfal- AvaP❑ si live - lbata me (dent rfrer> <b a lanceYa lue- . amount, O. DD -1 amount, -currency, GBP, k urrency­ lbalanceYa lue s - &alance �baluscr�•balanceidennfter-CvllectedBal- vpllegatne,lbalaneeldentifte-�balanceValue-,anwunn- 1.21.1amount, currency-GBP-kurremy- lbalancevalue--lbWArice- �I}stance,•aalantefdennhertan+rtstableBet�fialanctldeeafxr�.palenceva �sanwunr.. 1.21 « O amnunt� • current yr GBP. ft urrency�. lbalanceYalue� �Jbalvtce. icornpenration Contains average balance during the billing cycle ,camp cora nanld!enLifler I ron- Bali:ompensabk5erutter,lcompensatronldenpfkr-<campensatrcnvalue�anwunt�lS SC7itlbrl}0untt�turrencjr+(a(jPK1C4nrenCy'ticompCn5atlpnVbllre' -1compensation} ,contpensation- �campensa nanldentf flex C harge:SstdTa�es- Iietpue7hlsstmnt-loanpensatl4nldentifterr coM"ji"t,anvalue,:amounvX.Vx 1arnoumn3currewpGBP.1curmrKp,lcon"nsatronvaltle.Ocompen ratio n � � co mpen sat ran- aampensatto-ntdentificr-Sortie Ch argeTt l- CurrentPerWod conpemanonldentifierr<conpensationYalue- amount -X XX,lama t,,curreecy�GBPrlcurrency> <lcornpemsanonValue, 'Jcompensatlan- -wvkes Contains totals used for compensation info ,b an k5ervicelD, 2126, lbankSewxel D -. sub5ervica Codes 1,1subSer we(o&--servrteDe u 41 k lserviceDescrip t run-� 5ermeType,00 21G � l servxeType- � w fume -1 � lvolume--p ricin gCurrem y{ade, USD < ;pr k ingCurrenc yCvde-, unit Prtce-, antou nv)c XX,lamaum,-currerKpUSD ,rcurrency,lunitPrice-{prlaemedlodtUmtPrlcedrlpncemethod--payment++Method,DAonce Compensable,lpoyment &,.et hod o- eorrginalChar&&Prtte-, amount>X.XX- ?arm u n t» cufmr cyUSDs It urr+cncy> - lorigmalLhargePrK4e,,orirn alChar1e5ettlenre nt� A anx u nit- X. YX-1 amounts` <c urrency-GBP • Oc urrx nc y� < lorseinalCh argeSe etEemant} � tasd}e stgllatian tExempt<1 taxl}esrgnation-, xrwceTas6trgion> 7Xb71, lsc rvsteTaxftcgr onr,taxldentificationGroup­ taddentrfierilumber-1<ltalddentifierliunbe" ta>ddentMerRaTe,XXX- ltaAdentifwrRate-,ltaAdent OxatianCroup- 45ervicer J.P. Morgan ACCESS®Sample Statements Guide 38 BSB TWIST format (cont'd): KurthC! rbankSarvl[eik7.4550s1 hanxiervl[a16�<sueServita[odo>2se sueierv![aCose>tsarvksDas[rl pnoro[L1ENT M,AIhiTENAN[Es! i4 n+[49p0SCrfP[14n><i6ruiC9T3y9��<f 59n'149T'N9r sv4l4m9r 1 e! W IUm4><p f1CIr�Urr9^CY�9d4ri1$Qcf p riCi[r�Un9n4Yf Od9s Nni SPM44>e5r'141mSa7l.K %�! arnoun traurr�any�lJ50.leurraricy>tl unI tPri[e��yrlca4athotl�lJn1 tPM[adrlprlcslAethutl5�prymentAAalhod>6aluncaLampansablerl p®ymanul4etnod>sorigl nal[ hargeP riga>ramwnT>XA Ufamomt>�urrercP fSDa fairr4rr_p rlortgl na1[ha rg*Pnca>ecrigiml{itaiWQttlarrgntseamOUnuy..S(Xkfamountsreu rrvri_y>GbPrf[u rr ncp4l orljln aLClta rg6SA[Gerl'1BRU s{aepaS gnSLlOn1E%efnplil Laxa6il�YSLioRx cSpryCATa%rie�plls HCl X311 i4rY�t[BTasrR9glof+}<LSklr�[If)C9CIDi41;f0Up1<LflXldBfltlf) g ri'iurr76Bra ! {f i.8k]ilaR d n a Numbr+r+- Wh%ntlfl uP4u,>XM4 tanl dentl n9rRaSe, r l IMP,( he rvsce . —th9cm- Contains all chargeable events on the account during billing cycle �6ankSarrlc4lpr I Z,' -0t! barlkSarvlc41px5utServl[4Cud433a15ub34 MAJNTEKAWFE 1saralC@Nscrlptron>-%nlcaTypesW27D,1sar.1CnTVV.--0fur'ws.20,iVoWm*—p-rlcIngCurrerrcyCatla=USDslprlcIneurfen[yfAnQ=tunit wok aftmnt�x. )9tici VMtP r jc- SPrkvd fpfi{aM,etl�gd>rP � �>ffalante{orhpensahlprJpayYnantMelhod>cvMOafnilCharge Prim carmunt>X.XX4lamvunt}ccurrancy>USacicurrengorfarlglnalChargePricerwMglnatCharpSe[Oemerocamaurrt>X.KWamountrKcurrerxy>GBPe1currancps F-ungi na1Cn&rgaSellleYnan[>r[axtl6sl [IpMExernptr+[a�pesi ra[Inns iservke79uRagldV>77(1Z3rf servlceTaxF�agWn>stao�{ niihcellonGroup>. 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J.P. Morgan ACCESS - Sample Statements Guide 39 Last modified: July 2014 This guide is confidential and proprietary to J.P. Morgan and is provided for your general information only. It is subject to change without notice and is not intended to be legally binding. All services described in this guide are subject to applicable laws and regulations and service terms. Not all products and services are available in all locations. Eligibility for particular products and services will be determined by JPMorgan Chase Bank, N.A. or its affiliates. J.P. Morgan makes no representation as to the legal, regulatory or tax implications of the matters referred to in this guide. J.P. Morgan is a marketing name for the Treasury Services businesses of JPMorgan Chase Bank, N.A., member FDIC, and its affiliates worldwide. ©2014 JPMorgan Chase & Co. All rights reserved. J.P. Morgan ACCESS®Sample Statements Guide 40 -Rik Merchant Services RFP December 8, 2015 City of Costa Mes Proposal in Response to Merchant Services RFP Due: December 4, 2015 Disclosure Statement This document was prepared exclusively for the benefit and internal use of the party to whom it is directly addressed and delivered (the "Agency") in order to assist the Agency in evaluating certain products or services that may be provided by J.P. Morgan. J.P. Morgan is a marketing name for the Investment Banking, Asset Management and Treasury & Securities Services businesses as well as the Commercial Banking, Corporate Client Banking and Real Estate client segments of JPMorgan Chase & Co. and its subsidiaries worldwide. Securities, syndicated loan arranging, financial advisory and other investment banking activities are performed by J.P. Morgan Securities Inc. and its securities affiliates. Lending, derivatives and other commercial banking activities are performed by JPMorgan Chase Bank, N.A. ("JPMorgan Chase Bank") and its banking affiliates. J.P. Morgan deal team members may be employees of any of the foregoing entities. All cash management arrangements, including pool implementations, are subject to the satisfaction of legal, tax, and credit due diligence. The Agency will be required to sign an agreement with J.P. Morgan. J.P. Morgan does not provide advice on the fiscal issues related to treasury structures and recommends that the Agency consult with its legal and tax advisors prior to entering into any pooling arrangement. The Agency is responsible for its own independent assessment as to the suitability and appropriateness of the services hereunder for the needs and requirements of its business. J.P. Morgan may not be able to provide certain of the products or services described herein or requested by you unless J.P. Morgan confirms that such requested products or services would not cause J.P. Morgan to be considered a "Municipal Advisor" under Section 15B of the Securities and Exchange Act of 1934, as amended, and the related final rules (the "Municipal Advisor Rules"), or are otherwise excluded or exempt under the Municipal Advisor Rules. J.P. Morgan is not recommending that you take action or refrain from taking action or providing any advice. Products or services described in this proposal are hereby qualified and may only be provided to the extent J.P. Morgan would not be considered a Municipal Advisor. J.P. Morgan is licensed under U.S. Pat Nos. 5,910,988 and 6,032,137. This proposal is subject to and conditioned upon a mutually agreeable contract between the Agency and J.P. Morgan. J.P. Morgan also requires execution of all applicable product and service agreements. This document may contain information that is confidential and/or proprietary to JPMorgan Chase & Co. Such information is marked "confidential" and may not be copied, published or used, in whole or in part, for any purpose other than as expressly authorized by JPMorgan Chase Bank, N.A. The following is required pursuant to regulations adopted under Section 326 of the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act (USA PATRIOT Act) of 2001: To help the United States government fight the funding of terrorism and money laundering activities, U.S. law requires banks and certain other financial institutions to obtain, verify, and record information that identifies each client that opens an account. What this means for our clients: Before opening a new account, we will require you to provide name, address, taxpayer identification number, and other information and/or documentation that will allow us to identify the account owner(s), as required by law. All trademarks, trade names and service marks appearing herein are the property of their respective owners. © 2015 JPMorgan Chase Bank, N.A. All Rights Reserved. Member FDIC. t4W J.P. Morgan supports sustainable business practices and adheres to the principles of environmental 10 sustainability wherever possible. Page i T.1 . Morgan Tab A - Table of Contents............................................................ ii Tab B - Organization and General Information ............................ 1 Tab C - Bankcard Transaction Processing .................................... 3 TabD - Fees................................................................................ 5 Tab E - Service Enhancement and Industry Best Practices .......... 7 Attachment�� Attachment 1. Schedule A Attachment 2. Resource Online Sample Reports Page ii T.1.Morgan Please provide the following in this section: • Describe your firm's Merchant Bankcard and Point -of -Sale processing capabilities. Our Orbital Gateway service provides both a secure Internet connection to Chase Paymentech and a virtual terminal management system. Orbital Gateway also eliminates the need for you to have relationships with several different vendors to complete electronic payment processing. This solution supports the full range of payment methods we offer, as well as Level 2 and Level 3 data and Canadian processing. Orbital Gateway accepts transactions from any card -not -present sales channel — websites, call centers and mail-order departments. Our Orbital Virtual Terminal, a component of the Orbital suite, provides full management of your transactions and payment -capture options. Through Virtual Terminal you may set one default "auto - close" time during set-up, and your activity will automatically close at this time on a daily basis. Include an organization chart of the Merchant Bankcard Service Department showing the position of the Department within the firm's structure. IA ,k"W d IM1W1101 Inv"tmanl • MraM ■ ftw B.I. ■ ";p I I •mala • • woud4 w • 0 ^A ao frrnpa SKWE FA 8016-V�e . LMa•�.•a • C4.rvmNt. s vveor" ■ 11r.. BWp a► . cw4rdd fMv[•kritiva[ . Ch■wlMaaul . f.lr n V and iMYl+erry RYrr�nlwi Ad-wy • E.ndp■nn■I+. BYbnO r DoW i EpuOF • C1■r<.q r16 .Hyl • W1�7■Q• yndwwrnp fwtytrx+ Br+arp ■ CWrrrM . ►Haan. • @G*ow� • T....a,[y Santiw Manapw•rr . RWM. 11W. • Cnllr�ita■ Gaooal Y"- Ysnal?err�[ aft -V • comffwc d • T7v Pnw. TW_ L -.N V • ■ G•rna^P 5, ■ fa.d y J ow-oq�C4" ■ U■Ew1 • may, • Ma ri�x.bs w 6616rp . onotwOrw • C^*W WwD r C&rd W. Fiaure 1 • Describe your customer service standards for Merchant Bankcard processing and review. Do you have a quality management program? How do you measure customer satisfaction? Chase Paymentech's customer service support is performed in-house. Our highly specialized services and support structure is comprised of the following: • Relationship managers — Direct points of contact that focus entirely on our client's needs; their time is not divided between other business areas, such as sales support or business development. Page 1 T.1 . Morgan • Senior -level consultants and specialists — Subject matter experts with extensive industry backgrounds serve as resources for our relationship managers and provide strategic account support as needed. • Multimember account and support teams — Specialized service teams provide comprehensive account support in areas including user training, chargeback management, operational and infrastructure support, and many other critical processing support functions. Figure 2 Rem' Impecmentatran gesupport/ Merrnan7 Managemenen[ flPenM10M13 Command Techrucel T—ning Center Consullmg Relationship Manager Client Ad anc--O mplemenrat ons Produd Supporr Prod.clron Ertlerprae SOIWion ` Group (CIG) (VAR Software Supp0.1 Ca11 Center Manauement SuPPon) .,n�..n Pnline Repgri4ng Orbrtat Resource 4nl.nc and InleraGirr Gateway Integratwn SuppM Vorce Response S.PPoa Consuku.g pvR) Systems Page 2 T.1 . Morgan • What is the settlement cutoff time for card transactions? For Host Capture clients only, Chase Paymentech has the ability to close all open batches before the end of day cutoff of 5 a.m. ET. The specific time frame is customizable. While Chase Paymentech's host cannot provide this capability for Terminal Capture System (TCS) clients, we do offer a number of TCS POS applications that can be configured to auto -settle. • When and how will the City receive funds for each day's transactions? Is settlement by ACH or Fed wire? Are settlement amounts listed separately on the bank statement or will they appear as one lump sum? Will your firm break out amounts by merchant locations/payment types? Twenty-four hour funding is available if you have a Chase Bank DDA. Our cut-off settlement time for next -day funding is 8:59 p.m. PT. This late window allows access to Visa, MasterCard, Discover and debit funds that are deposited into your Chase Bank account by 6 a.m. PT; Saturday and Sunday settlements are funded Monday. If you do not have a Chase Bank DDA, our cut-off settlement times are 10 a.m. PT and 2 a.m. PT. Our window of 10 p.m. PT allows for access to Visa, MasterCard, Discover and debit funds that we deposit into the bank of your choice the next business day. Our deposit window of 2 a.m. PT allows you to submit "whole day" processing at one time for funding the following business day. Separate funding is provided, according to the chart below, if we receive multiple settlement files within each settlement time. Saturday and Sunday settlements are grouped with Monday's settlements for transferring funds to your bank account(s). We electronically convey non-bank card deposits (American Express, private label, etc.) for settlement to the appropriate company, while American Express, private label cards, etc., send payment to you directly. You may send all card types in one file; there is no need to send separate files for American Express, private label, etc. Funds will be electronically deposited into the account(s) specified by your company via ACH transfer. Transfer on U.S. Federal Reserve holidays occurs one day later than normal. Our multibank account system allows you to choose one or many bank settlement accounts in one or many financial institutions. Each merchant number you establish is linked to a specific bank settlement account. Chase Paymentech's reports break out each day's deposits, fees, chargebacks, etc. in detail, including Saturday and Sunday. • Describe your online reporting capabilities. What types of report are available to view merchant card transactions? Can the user create custom reports? Please provide sample reports. Clients have 24/7/365 access to secure online reporting tools and an Interactive Voice Response (IVR) telephone query tool. Information available via the online reporting tools includes transaction history, financial reports, bank information and all standard user documentation. IVR provides touch-tone access to transaction history for sales and refunds, electronic check processing transactions, bank account transfers, and Visa and MasterCard bank telephone numbers. Users can create custom reports. Security codes are established for each user, ensuring that all confidential data remains protected. Please see Resource Online Sample Reports in Attachment 2. Page 3 T.1. Morgan Our Resource Online Web -based reporting suite is supported 24/7/365 by knowledgeable technical staff. Clients can contact Resource Online support by dialing (800)254-9556 and choosing option 2, or via email at RTLwebreporting(j chasepaymentech.com. • How are adjustments and charge backs handled? How is the City notified of charge backs? Are charge backs and other debit adjustments netted with daily proceeds or debited separately? Is the discount fee refunded when a charge back or refund occurred? Upon receipt of chargebacks from issuers, when we can, Chase Paymentech automatically responds on the client's behalf. If additional information is needed, we post the chargeback to the Online Chargeback Management interface. A chargeback administrator at the client assigns chargebacks to analysts for resolution. Analysts review a chargeback, upload documentation as needed and determine next steps. Immediate access to all documentation associated with a chargeback makes it easy for analysts to manage the entire exception process from their computer. Chase Paymentech also posts retrieval requests for clients to access and respond by uploading a scanned image of the signed sales slip. Online Chargeback Management enables clients to: • Minimize paper processing and reduce mailing costs as you manage chargebacks through our online chargeback management interface • Help reduce manual intervention by uploading chargeback documentation directly into the Chase Paymentech chargeback management system Help simplify chargeback processes with an online interface that is designed to be easy to use Page 4 T.1 . Morgan Please complete per form shown in Exhibit B. In addition to submitting with proposal responses, this form must also be submitted in Excel format with the proposal package. Please provide the ("Interchange Pass -Through') discount rate and all other applicable charges for credit/debit card processing services as described above. Include the following: • Visa and MasterCard authorization fees Per transaction — 0.15% + $0.10 • Monthly service fee $5.00 • Monthly statement fee $0.00 Any other fees the City would be charged The City will incur fees related to Brand Assessments & Fee's and Issuing Bank interchange fees. Chase Paymentech will provide the City with an Attachment 1 Schedule A to disclose all related fees. Please see Exhibit B on the following this page. Page 5 T.1 . Morgan CITYOF COSTA MESA EXHIBIT B - MERCHANT CARD SERVICES BID FORM (Mark Clearly if "No Proposal" or "Contracted to a Third Par ty") Your Unit Price $ Estimated Yearly Cost $ Total Year 1 Year 2 Year 3 Year 4 Year 5 Year 1 Year 2 Year 3 Year 4 Year 5 5 Years Fees per Transaction Authorization/EDC Fee- Visa(CreditandNon-PIN Debit) $0.10+15Bps........ $1215 $1215 $1215 $1215 $1215 $6075 Authorization/EDC Fee -MasterCard (Credit and Non-PIN Debit) Chargebacks-Visa/MC $0.10+15Bps ........ $810 $810 $810 $810 $810 $4050 Other Fees (Please provide description and unit prices) $10.00 $10.00 $10.00 $10.00 $10.00 $120 $120 $120 $120 $120 $600 Subtotal All Fees perTransaction Monthly Fees Monthly Service Fee $10.00 $10.00 $10.00 $10.00 $10.00 $120 $120 $120 $120 $120 $600 Paper Statement Fee Internet Service Fee $10.00 $10.00 $10.00 $10.00 $10.00 $120 $120 $120 $120 $120 $600 Other Fees (Please provide description and unit prices) $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Subtotal Monthly Fees Annual Fee Annual Fee $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Other Fees (Please provide description and unit prices) $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 SubtotalAnnual Fees Other Other Other Fees (Please provide description and unit prices) $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Subtotal Other Fees Total All Fees Describe any services and technological enhancements not previously mentioned that should be considered for further improving the effectiveness of the City's operations. Chase Paymentech constantly evaluates and implements products and services to improve the overall operations of our clients related to electronic payments. As an industry leader, Chase Paymentech maintains high-level engagements with PCI DSS advisory group, Brand Associations, Advisory groups, etc; all to ensure our clients are properly represented and supported. What best practices have you identified in this industry space? Chase Paymentech provides ongoing training on both fraud and chargeback management. Your relationship manager can arrange for customized training and product demonstrations. Additionally, through our fraud management solutions, we offer products, services and client best practices guides and tips. We also sponsor Web -based fraud management training and demonstration programs as well as fraud education programs at various trade shows throughout the year. Chase Paymentech hosts many events designed to bring clients and their peers together to learn about best practices, industry updates, regulations and various key topics affecting the payments industry. For example, we invite a select group of clients to events held in conjunction with the Merchant Advisory Group, Merchant Risk Council and Direct Response Forum conferences. We also sponsor ongoing webinars that address topical issues such as emerging technologies, chargeback processes, EMV, security, fraud, risk, PCI and global expansion. These events provide you with a deeper understanding of the issues that most affect your day-to-day operations. Page 7 T.1. Morgan Attachment 1. Schedule A. Attachment 2. Resource Online Sample Reports Page 8 T.1. Morgan Attachment 1. Schedule A Schedule A Please see separate file for Schedule A. Attachment 2. Resource Online Sample Reports Resource Online I Recon Solution I Chase Paymentech Solutions 6Resource Online Home Merchant recon Virtual Iransactlon Search Solution Manager Hierarchy Structure Report CHASE 0 Paymentech" log out admin bank lookup help submit questions Hierarchy Structure Report The Hierarchy Structure Report helps you find merchant locations within your Chase Paymentech hierarchy. View hierarchy levels and their corresponding hierarchy or merchant names and numbers. To create your report, select the desired hierarchy level, and click the Generate Report button. Selected Hierarchy > CAN DEM01 1000001 - (Corporate) Top Level Drill Up Drill Down Select Quick Search Level Location Hierarchy/Merchant# Search Generate Report chasepaymentech.ca Privacy Policy I Terms of Use Secure Site © Copyright 2007 , Chase Paymentech Solutions, LLC All Rights Reserved . http://demo-prod.tampa.paymentech.com/recsol/recsol_mhsr.aspx (1 of 3)8/9/2007 10:23:28 AM Resource Online I Recon Solution I Chase Paymentech Solutions 6Resource Online Home I Merchant I ReconI Virtual Transaction Search Solution Manager Hierarchy Structure Report Hierarchy Structure Report CHASE 0 Paymentech' log out admin bank lookup help submit questions The Hierarchy Structure Report helps you find merchant locations within your Chase Paymentech hierarchy. View hierarchy levels and their corresponding hierarchy or merchant names and numbers. To create your report, select the desired hierarchy level, and click the Generate Report button. Selected Hierarchy CAN DEM01 1000001 - (Corporate) CAN DEM02 1000003 - (location) CAN DEM03 1000004 - (location) CAN DEM04 1000005 - (location) CAN DEM05 1000006 - (location) CAN DEM01 1000001 -(location) CAN DEM06 1000007 - (location) CAN DEM07 1000008 - (location) CAN DEM08 1000009 - (location) CAN DEM09 10000010 - (location Quick Search Top Level Drill Up Drill Down Select Level Location Hierarchy/Merchant# Search chasepaymentech.ca Privacy Policy I Terms of Use ` Secure Site http://demo-prod.tampa.paymentech.com/reesol/recsol_mhsr.aspx (1 of 3)8/9/2007 10:23:57 AM Generate Report © Copyright 2007 , Chase Paymentech Solutions, LLC All Rights Reserved . Resource Online I Recon Solution I Chase Paymentech Solutions Resource Online CHASE 0 Paymentech r. log out admin Home I Merchant I Recon Virtual Transaction banklookup Search Solution Manager help submit questions Hierarchy Structure Report Report Criteria 5All Selected Hierarchy Edit CAN DEM01 - 1000001 (Corporate) Resource Online CAN DEM01 - 1000001 (Corporate) CHASE � Paymentech' Best printed in landscape « < Page 1 of 7 > » Page Size: 25 LEVEL HIERARCHY/MERCHANT NAME HIERARCHY/MERCHANT # BUSINESS ID Maps CAN DEM01 1000001 900001 Corporate CAN DEM02 1000002 900002 Location CAN DEM02 1000003 900003 Location CAN DEM02 1000002 900004 Corporate CAN DEM03 1000004 900005 Location CAN DEM04 1000005 900006 Location CAN DEM05 1000006 900007 Location CAN DEM06 1000007 900008 Location CAN DEM07 1000008 900009 Location CAN DEM08 1000009 9000010 Location CAN DEM09 10000010 9000011 Location CAN DEM010 10000011 9000012 Location CAN DEM011 10000012 9000013 Location CAN DEM012 10000013 9000014 Location CAN DEM013 10000014 9000015 Location CAN DEM014 10000015 9000016 Location CAN DEM015 10000016 9000017 Location CAN DEM016 10000017 9000018 Location CAN DEM03 1000004 9000019 Location CAN DEM03 10000018 9000020 Location CAN DEM017 10000019 9000021 Corporate CAN DEM018 10000020 9000022 Location CAN DEM019 10000021 9000023 Location CAN DEM020 10000022 9000024 Location CAN DEM018 10000020 9000025 chasepaymentech.ca Privacy Policy I Terms of Use Secure Site © Copyright 2007 , Chase Paymentech Solutions, LLC All Rights Reserved . http://demo-prod.tampa.paymentech.com/reesol/recsol_mhsr.aspx (1 of 3)8/9/2007 10:24:32 AM Resource Online I Recon Solution I Chase Paymentech Solutions Resource Online Home Instant MerchantI Recon I Virtual Transaction Alerts Search Solution Manager Recap Summary Report Report Criteria Selected Hierarchy US DEM01 - 1000001 (Corporate) SResource Online DEPOSITS Submitted Non -Settled - ADJUSTMENTS Exceptions Settlement Fees + Paid Deposits Total Adjustments CHASE 0 Paymentech' log out admin bank lookup help submit questions Process Date: 7/1/2007 - 8/8/2007 Recap Summary Report Process Date: 7/1/2007 - 8/8/2007 US DEM01 - 1000001 (Corporate) TOTAL PAID (Paid Deposits - Total Adjustments) Edit CHASE 0 Paymentech' Best printed in landscape $152,117.00 $32,085.73 $105.97 $39,158.55 $120,031.27 - $39,264.52 _ $80,766.75 chasepaymentech.com privacy Policy I Terms of Use Secure Site © Copyright 2007 , Chase Paymentech Solutions, LLC All Rights Reserved . http://demo-prod.tampa.paymentech.com/reesol/recsol_rsr.aspx (1 of 3)8/9/2007 9:48:21 AM Resource Online I Recon Solution I Chase Paymentech Solutions 6 Resource Online Home Instant Merchant Recon Virtual Transaction Alerts Search Solution Manager Card Type Analysis Report Report Criteria Selected Hierarchy US DEM01 - 1000001 (Corporate) Resource Online Process Date: Card Type Analysis Process Date: 7/1/2007 - 8/8/2007 US DEM01 - 1000001 (Corporate) CHASE IO Pa rmentech' log out admin bank lookup help submit questions 7/1/2007 - 8/8/2007 CHASE . i Pavmt-ntp Best printed in landscape « < Page 1 of 1 > >> Page Size: 25 DEMO - 100001 COUNT COUNT % AMOUNT AMOUNT % AVE TICKET AMT DESCRIPTION COUNT COUNT % AMOUNT AMOUNT % AVE TICKET AMT American Express 1 7.14% $160.00 9.11 % $160.00 Discover Card 1 7.14% $53.96 3.07% $53.96 MasterCard 4 28.57% $645.00 36.73% $161.25 Visa Card 8 57.14% $897.13 51.09% $112.14 MERCHANT TOTALS: 14 100.00% $1,756.09 100.00% $125.44 DEMO - 100002 DESCRIPTION COUNT COUNT % AMOUNT AMOUNT % AVE TICKET AMT MasterCard 1 1.96% $360.00 -7.56% $360.00 Stored Value Card 50 98.04% ($5,125.00) 107.56% ($102.50) MERCHANT TOTALS: 51 100.00% ($4,765.00) 100.00% ($93.43) DEMO - 100003 DESCRIPTION COUNT COUNT % AMOUNT AMOUNT % AVE TICKET AMT American Express 22 16.06% $24,135.95 15.60% $1,097.09 Discover Card 17 12.41 % $12,675.50 8.19% $745.62 MasterCard 39 28.47% $63,266.20 40.90% $1,622.21 Stored Value Card 1 0.73% $96.35 0.06% $96.35 Visa Card 58 42.34% $54,511.40 35.24% $939.85 MERCHANT TOTALS: 137 100.00% $154,685.40 100.00% $1,129.09 DEMO - 100004 DESCRIPTION COUNT COUNT % AMOUNT AMOUNT % AVE TICKET AMT American Express 2 5.88% $46.95 24.85% $23.48 MasterCard 4 11.76% $18.20 9.63% $4.55 Stored Value Card 1 2.94% $3.90 2.06% $3.90 Visa Card 27 79.41 % $119.90 63.46% $4.44 MERCHANT TOTALS: 34 100.00% $188.95 100.00% $5.56 http://demo-prod.tampa.paymentech.com/recsol/recsol_cartypana.aspx (1 of 3)8/9/2007 9:58:31 AM Resource Online I Recon Solution I Chase Paymentech Solutions DEMO - 100005 DESCRIPTION COUNT COUNT % AMOUNT AMOUNT % AVE TICKET AMT American Express 1 10.00% $38.12 15.15% $38.12 MasterCard 1 10.00% $32.80 13.04% $32.80 Visa Card 8 80.00% $180.64 71.81 % $22.58 MERCHANT TOTALS: 10 100.00% $251.56 100.00% $25.16 *** REPORT TOTALS *'* DESCRIPTION COUNT COUNT % AMOUNT AMOUNT % AVE TICKET AMT American Express 26 10.57% $24,381.02 16.03% $937.73 Discover Card 18 7.32% $12,729.46 8.37% $707.19 MasterCard 49 19.92% $64,322.20 42.28% $1,312.70 Stored Value Card 52 21.14% ($5,024.75) (3.30%) ($96.63) Visa Card 101 41.06% $55,709.07 36.62% $551.57 GRAND TOTALS: 246 100.00% $152,117.00 100.00% $618.36 chasepaymentech.com Privacy Policy i Terms of Use Secure Site © Copyright 2007 , Chase Paymentech Solutions, LLC All Rights Reserved . http://demo-prod.tampa.paymentech.com/recsol/recsol_cartypana.aspx (2 of 3)8/9/2007 9:58:31 AM Resource Online I Recon Solution I Chase Paymentech Solutions SResource Online Home Instant Merchant Recon Virtual Transaction Alerts Search Sol utio n Manager Pending Chargebacks Report CHASE 0 Paymentech' log out admin bank lookup help submit questions Report Criteria 6 Selected Hierarchy Pending CB Date: 7/1/2007 - 8/8/2007 Edit US DEM01 - 1000001 (Corporate) Case #: Cardholder #: Trans Date: Reason: Amount: Custom Data: Pending Chargebacks Report Resource Online Pending CB Date: 7/1/2007 - 8/8/2007 CHASE �� Paymentech" US DEM01 - 1000001 (Corporate) Optional Criteria Case #: Cardholder #: Trans Date: Reason: Amount: Custom Data: Best printed in landscape « < Page 1 of 1 > >> Page Size: 25 MERCHANT NAME MERCHANT # CASE # CB DATE TRANS. DATE CARDHOLDER # ORIG REF # REASON MCC AMT US DEM01 1000001 ****************4/23/2007 12/29/2006 ************1234 81 -Fraudulent Transaction -No Imprint/Missing Imprint 5542 $41.50 REPORT TOTALS $41.50 chasepaymentech.com Privacy Policy I Terms of Use J Secure Site © Copyright 2007 , Chase Paymentech Solutions, LLC All Rights Reserved . http://demo-prod.tampa.paymentech.com/recsol/recsol_pcbr.aspx (1 of 3)8/9/2007 9:57:00 AM Resource Online I Recon Solution I Chase Paymentech Solutions SResourceOnline Home I Instant Merchant Recon Virtual Transaction Alerts Search Solution Manager Reversals Report Report Criteria Selected Hierarchy US DEM01 - 1000001 (Corporate) d) Resource Online CHASE 0 Paymentech" Reversal Date: 7/1/2007 - 8/8/2007 log out admin bank lookup help submit questions Case #: Cardholder #: Trans Date: Reason: Amount: Custom Data: Reversals Report Reversal Date: 7/1/2007 - 8/8/2007 US DEM01 - 1000001 (Corporate) Optional Criteria Case #: Cardholder #: Trans Date: Reason: Amount: Custom Data: Edit CHASE ! i Best printed in landscape « c Page 1 of 1 > >> Page Size:25 MERCHANT NAME MERCHANT # CASE # REV. DATE CB DATE TRANS. DATE CARDHOLDER # ORIG REF # REASON MCC AMT US DEM01 1000001 ************"'4/18/2007 3/15/2007 3/7/2007 ************1234 ****************82 -Duplicate Processing 5541 $10.69 US DEM02 1000002 *'****'***4/23/2007 1/22/2007 12/29/2006 ************1234 ** 81 -Fraudulent Transaction -No Imprint/Missing Imprint 5542 $41.50 US DEM03 1000003 `***************4/30/2007 3/29/2007 3/12/2007 ************1234 ****************82 -Duplicate Processing 5542 $30.00 REPORT TOTALS $82.19 chasepaymentech.com Privacy Policy I Terms of Use J Secure Site © Copyright 2007 , Chase Paymentech Solutions, LLC All Rights Reserved . http://demo-prod.tampa.paymentech.com/recsol/reesol rvr.aspx (1 of 3)8/9/2007 9:56:39 AM Resource Online I Recon Solution I Chase Paymentech Solutions 6 Resource Online Home Instant Merchant Recon Virtual Transaction Alerts Search Solution Manager Exceptions Summary Report Report Criteria Selected Hierarchy Process Date US DEM01 - 1000001 (Corporate) CHASE ! 9 rlaymentech' log out admin bank lookup help submit questions 7/1/2007 - 8/8/2007 W- Exceptions Summary Report Resource ource Online Process Date: 7/1/2007 - 8/8/2007 CHASE 00 Paymentech" US DEM01 1000001 (Corporate) Best printed in landscape NON-FINANCIAL CNT AMT Representments 7 $231.65 Pending Chargebacks 1 $41.50 Denied Reversals 2 $60.00 FINANCIAL Deposit Correction Notice 0 $0.00 Financial Adjustments 0 + $0.00 Chargebacks Dispositions 61 $2,251.73 Reversals 3 - $82.19 Total Chargebacks 64 +$2,169.54 Total Exceptions 64 $2,169.54 chasepaymentech.com Privacy Policy I Terms of Use Secure Site © Copyright 2007 , Chase Paymentech Solutions, LLC All Rights Reserved . http://demo-prod.tampa.paymentech.com/recsol/recsol_esr.aspx (1 of 3)8/9/2007 9:56:17 AM Resource Online I Recon Solution I Chase Paymentech Solutions 6 Resource Online Home Instant Merchant Recon Virtual Transaction Alerts Search Solution Manager DCN Report Report Criteria Selected Hierarchy US DEM01 - 1000001 (Corporate) CHASE 0 Paymentech' log out admin bank lookup help submit questions Process Date: 7/1/2007 - 8/8/2007 Edit Cardholder #: Amount: Reason: DCN Report Resource Online Process Date: 7/1/2007 - 8/8/2007 ASE 0 m v US DEM01 - 1000001 (Corporate) H Optional Criteria Cardholder #: Amount: Reason: << < Page 1 of 1 > >> MERCHANT NAME MERCHANT # PROC DATE CARDHOLDER # REASON US DEM01 1000001 4/19/2007 ************1234 US DEM02 1000002 4/6/2007 ************1234 US DEM03 1000003 4/13/2007 ************1234 US DEM04 1000004 5/2/2007 ************1234 US DEM05 1000005 4/24/2007 ************1234 US DEM06 1000006 4/18/2007 ************1234 REPORT TOTALS http://demo-prod.tampa.paymentech.com/recsol/recsol denr.aspx (1 of 3)8/9/2007 9:55:56 AM Best printed in landscape Page Size: 25 AMT 11 -TRANSACTION CODE INVALID OR NOT ENTITLED FOR PROD 11 -TRANSACTION CODE INVALID OR NOT ENTITLED FOR PROD 12 -TRANSACTION AMOUNT INVALID 12 -TRANSACTION AMOUNT INVALID 12 -TRANSACTION AMOUNT INVALID 10 -CARDHOLDER ACCOUNT NUMBER INVALID $45.89 $52.00 ($4,444.44) ($5,100.00) ($3,001.52) $1.00 ($12,447.07) Resource Online I Recon Solution I Chase Paymentech Solutions 6 Resource Online Home Instant Merchant Recon Virtual Transaction Alerts Search Solution Manager Financial Adjustments Report Report Criteria Selected Hierarchy US DEM01 - 1000001 (Corporate) CHASE IO Paymentech' log out admin bank lookup help submit questions Process Date: 7/1/2007 - 8/8/2007 Transit: DDA: Amount: Financial Adjustments Report Resource ource Online Process Date: 7/1/2007 - 8/8/2007 CHASE 0! US DEM01 - 1000001 (Corporate) Optional Criteria Transit: DDA: Amount: << < Page 1 of 1 > » MERCHANT NAME MERCHANT # PROC DATE DESCRIPTION US DEM01 1000001 5/3/2007 SALES TAX PAYABLE TAX CHARGES US DEM01 1000001 5/3/2007 SALES TAX PAYABLE TAX CHARGES US DEM01 1000001 5/3/2007 SALES TAX PAYABLE TAX CHARGES US DEM01 1000001 5/3/2007 SALES TAX PAYABLE TAX CHARGES US DEM01 1000001 5/3/2007 SALES TAX PAYABLE TAX CHARGES US DEM01 1000001 5/3/2007 SALES TAX PAYABLE TAX CHARGES US DEM01 1000001 5/3/2007 SALES TAX PAYABLE TAX CHARGES US DEM01 1000001 5/3/2007 SALES TAX PAYABLE TAX CHARGES US DEM01 1000001 5/3/2007 SALES TAX PAYABLE TAX CHARGES US DEM01 1000001 5/3/2007 SALES TAX PAYABLE TAX CHARGES US DEM01 1000001 5/3/2007 SALES TAX PAYABLE TAX CHARGES US DEM01 1000001 5/3/2007 SALES TAX PAYABLE TAX CHARGES US DEM01 1000001 5/3/2007 SALES TAX PAYABLE TAX CHARGES US DEM01 1000001 5/3/2007 SALES TAX PAYABLE TAX CHARGES US DEM01 1000001 5/3/2007 SALES TAX PAYABLE TAX CHARGES US DEM01 1000001 5/3/2007 SALES TAX PAYABLE TAX CHARGES REPORT TOTALS *Ai. Best printed in landscape Page Size: 25 TRANSIT DDA AMT ($40.50) ($40.50) ($40.50) .. ($40.50) ($40.50) ******** ******** ($40.50) ********* ********* ($40.50) *********** *********** ($40.50) ********** *********** ($40.50) *********** *********** ($40.50) . ... ..... ($40.50) ......, ($40.50) ...., ($40.50) ,,. ($40.50) ($40.50) ($40.50) ($648.00) chasepaymentech.com Privacy Policy I Terms of Use Secure Site © Copyright 2007 , Chase Paymentech Solutions, LLC All Rights Reserved . http://demo-prod.tampa.paymentech.com/recsol/recsol_fadj.aspx (1 of 3)8/9/2007 9:55:33 AM Resource Online I Recon Solution I Chase Paymentech Solutions Resource Online CHASE 40 Paymentech" log out admin Home I Instant Merchant Recon Virtual Transaction banklookup Alerts Search Solution Manager help submit questions Summary of Fees Report Report Criteria 42& Selected Hierarchy Process Date: from: 7/1/2007 to: 8/8/2007 M US DEMO1 - 1000001 (Corporate) SResource Online 44 4 Page 1 of 1 r r► MERCHANT NAME MERCH # US DEMO1 1000001 US DEMO2 1000002 US DEMO3 1000003 US DEMO4 1000004 US DEM05 1000005 US DEMO6 1000006 REPORT TOTALS $0.00$0.35$2.80 Summary of Fees Report Process Date: 7/1/2007 - 8/8/2007 US DEMO1 - 1000001 (Corporate) CHASE CO' PaymenfiaW Best printed in landscape Page Size: r257 001 002 005 006 031 039 03R 03V 041 04R 04V 061 061 06V 071 071 07V OBA OBB 242 244 472 605 D09 Total $5.36$0.00 $14.08$0.00 $0.00$0.35$2.80 $0.00 $0.00 $7.16 $0.00$0.00$2.80 $0.00$0.00$1.12 $0.00 $0.00 $0.00 $8.13 $19.69 $25.00 $0.06 $0.00 $86.55 $37.52 $0.00 $113.36 $0.32 $15.20 $0.00 $2.60 $6.65 $45.85 $5.75 $20.00$6.80$0.32 $5.52$3.92$0.48 $1.84$45.18 $4.16 $10.32 $31.03 $0.00$0.02($10,800.00)($10,443.16) $94.48$0.80$197.12$1.44 $0.00$0.00$0.00 $49.36 $0.00 $0.00$102.04$0.00$0.00$38.88$0.00$0.00$21.20 $0.00 $6.24 $477.11 $879.18 $0.00 $1.07 $0.00 $1,868.92 $54.00$0.00$196.24$0.00 $0.04$0.00$0.00 $27.24 $0.00 $0.00 $98.76$0.00$0.00$12.64$0.00$0.00 $8.00 $0.00 $2.99 $11.04 $28.67 $0.00 $0.15 $0.00 $439.77 $3.60$0.00 $10.56$0.08 $1.68$0.00$0.00 $0.00 $4.72 $0.00 $0.00$0.56$0.00 $0.00$0.32$0.00 $0.00 $0.00 $0.00 $1.81 $23.43 $0.00 $0.00 $0.00 $46.76 $80.88$0.16$219.36$1.44 $0.00$0.00$0.00 $40.88 $0.00 $0.00$111.32$0.00$0.00$24.48$0.00$0.00$12.00 $0.00 $5.85 $27.16 $68.12 $0.00 $0.34 $0.00 $591.99 $275.84 $0.96 $750.72 $3.28 $16.92 $0.35 $5.40 $124.13 $50.57 $12.91$332.12 $7.36 $3.12 $81.52 $4.24 $1.60 $43.04 $45.18 $19.24 $535.57 $1,050.12 $25.00 $1.64 ($10,800.00) ($7,409.17) chasepaymentech.com Privacy Policy I Terms of Use, Secure Site © Copyright 2007 , Chase Paymentech Solutions, LLC All Rights Reserved . http://demo-prod.tampa.paymentech.com/recsol/reesol_sof aspx (1 of 3)8/9/2007 9:54:55 AM Resource Online I Recon Solution I Chase Paymentech Solutions Resource Online CHASE 0 Paymentech' log o.t admin Home I Instant I Merchant Recon Virtual Transaction banklookup Alerts SearchSolution I Manager help I submit questions Settlement Fees Detail Report Report Criteria Selected Hierarchy US DEM01 - 1000001 (Corporate) Process Date: 7/1/2007 - 8/8/2007 Fee Category: Transit: DDA: Amount: 5A. Settlement Fees Detail Report d) Resource Online Process Date: 7/1/2007 - 8/8/2007CHASE�� rttent��h" US DEM01 - 1000001 (Corporate) Optional Criteria Fee Category: Transit: DDA: Amount: Best printed in landscape « < Page 1 of 1 > » Page Size: 25 MERCHANT NAME MERCHANT # PROC DATE FEE CATEGORY TRANSIT DDA METHOD AMT US DEM01 1000001 5/2/2007 Discount/Service Charge * * * * * * ACH ($19.44) US DEM01 1000001 5/2/2007 Fees * ******* ******** * ACH ($39.29) US DEM01 1000001 5/2/2007 Interchange/Assessment "********* ***`*"*'* ACH ($611.87) US DEM02 1000002 5/2/2007 Discount/Service Charge '*`*`*`' `'*'* * " ACH ($151.20) US DEM02 1000002 5/2/2007 Fees ""***` '*"""' ACH ($164.29) US DEM02 1000002 5/2/2007 Interchange/Assessment '*`*"*'*" ' ACH ($876.00) US DEM03 1000003 5/2/2007 Discount/Service Charge'*'"'' ACH ($293.84) US DEM03 1000003 5/2/2007 Fees ****** **''*** ACH ($218.79) US DEM03 1000003 5/2/2007 Interchange/Assessment '** ACH ($32,425.54) US DEM04 1000004 5/2/2007 Discount/Service Charge***** **** ACH ($250.24) US DEM04 1000004 5/2/2007 Fees ********** ****** ACH ($149.82) US DEM04 1000004 5/2/2007 Interchange/Assessment " " ACH ($905.46) US DEM05 1000005 5/2/2007 Discount/Service Charge** **** ACH ($14.24) US DEM05 1000005 5/2/2007 Fees *****"**** ********** ACH ($7.28) US DEM05 1000005 5/2/2007 Interchange/Assessment ********** **** ****** ACH ($628.35) US DEM06 1000006 5/2/2007 Discount/Service Charge *********" **"*"*"**** ACH ($301.84) US DEM06 1000006 5/2/2007 Fees '********* ******"*"* ACH ($194.87) US DEM06 1000006 5/2/2007 Interchange/Assessment *****`*** *`****"*"*' ACH ($1,906.19) REPORT TOTALS ($39,158.55) chasepaymentech.com Privacy Policy I Terms of Use J Secure Site © Copyright 2007 , Chase Paymentech Solutions, LLC All Rights Reserved . http://demo-prod.tampa.paymentech.com/recsol/recsol_sfdr.aspx (1 of 3)8/9/2007 9:54:33 AM Resource Online I Recon Solution I Chase Paymentech Solutions 6 Resource Online Home Instant Merchant Recon Virtual Transaction Alerts Search Solution Manager Settlement Fees Summary Report CHASE dmp' Parnentech' log o.t admin bank lookup help submit questions Report Criteria 4 �520 Selected Hierarchy Process Date: 7/1/2007 - 8/8/2007 Edit US DEM01 - 1000001 (Corporate) Resource Online Optional Criteria Transit: DDA: Amount: « < Page 1 of 1 > » MERCHANT NAME US DEM01 US DEM02 US DEM03 US DEM04 US DEM05 US DEM06 REPORT TOTALS Transit: DDA: Amount: Settlement Fees Summary Report Process Date: 7/1/2007 - 8/8/2007 US DEM01 - 1000001 (Corporate) CHASE !. PaymerksW Best printed in landscape Page Size: 25 MERCHANT # PROC DATE TRANSIT DDA METHOD AMT 1000001 5/2/2007 '''*'`'' ACH ($670.60) 1000002 5/2/2007 '*'* *'*** ACH ($1,191.49) 1000003 5/2/2007 '*'**** *'* ACH ($32,938.17) 1000004 5/2/2007 ********* ********** ACH ($1,305.52) 1000005 5/2/2007 ********* ********** ACH ($649.87) 1000006 5/2/2007 ********** ********** ACH ($2,402.90) ($39,158.55) chasepaymentech.com Privacy Policy I Terms of Use Secure Site © Copyright 2007 , Chase Paymentech Solutions, LLC All Rights Reserved . http://demo-prod.tampa.paymentech.com/recsol/recsol_sfsr.aspx (1 of 3)8/9/2007 9:53:44 AM Resource Online I Recon Solution I Chase Paymentech Solutions & Resource Online HomeIInstant Merchant Recon I Virtual Transaction Alerts Search Sal utio n Manager Settlement Summary Select Report Criteria Selected Hierarchy US DEM01 - 1000001 (Corporate) SResource Online Itemize by Card Type: No CHASE 0 Paymentech" Process Date: 7/1/2007 - 8/8/2007 Itemize by Card Type: No Settlement Summary Select Process Date: 7/1/2007 - 8/8/2007 US DEM01 - 1000001 (Corporate) log out admin bank lookup help submit questions �® CHASE 0 Paymentech' Best printed in landscape << < Page 1 of 1 > >> Page Size: 25 PROC DATE MERCHANT NAME MERCHANT # DEPOSITS CHARGEBACKS DCNS SETTLEMENT FEES FINANCIAL ADJ NET DEPOSIT AMT 5/2/2007 US DEM01 1000001 $897.13 $0.00 $0.00 $0.00 $0.00 $897.13 5/2/2007 US DEM01 1000001 $0.00 $0.00 $0.00 ($670.60) $0.00 ($670.60) 5/2/2007 US DEM01 1000001 $645.00 $0.00 $0.00 $0.00 $0.00 $645.00 5/2/2007 US DEM02 1000002 $0.00 $0.00 $0.00 ($1,191.49) $0.00 ($1,191.49) 5/2/2007 US DEM02 1000002 $360.00 $0.00 $0.00 $0.00 $0.00 $360.00 5/2/2007 US DEM03 1000003 $54,511.40 $0.00 $0.00 $0.00 $0.00 $54,511.40 5/2/2007 US DEM03 1000003 $0.00 $0.00 $0.00 ($32,938.17) $0.00 ($32,938.17) 5/2/2007 US DEM03 1000003 $63,266.20 $0.00 $0.00 $0.00 $0.00 $63,266.20 5/2/2007 US DEM04 1000004 $119.90 $0.00 $0.00 $0.00 $0.00 $119.90 5/2/2007 US DEM04 1000004 $18.20 $0.00 $0.00 $0.00 $0.00 $18.20 5/2/2007 US DEM04 1000004 $0.00 $0.00 $0.00 ($1,305.52) $0.00 ($1,305.52) 5/2/2007 US DEM05 1000005 $0.00 $0.00 $0.00 ($649.87) $0.00 ($649.87) 5/2/2007 US DEM06 1000006 $180.64 $0.00 $0.00 $0.00 $0.00 $180.64 5/2/2007 US DEM06 1000006 $0.00 $0.00 $0.00 ($2,402.90) $0.00 ($2,402.90) http://demo-prod.tampa.paymentech.com/recsol/recsol_ssdr.aspx (1 of 3)8/9/2007 9:53:19 AM Resource Online I Recon Solution I Chase Paymentech Solutions 5/2/2007 US DEM06 1000006 $32.80 $0.00 $0.00 $0.00 $0.00 $32.80 REPORT TOTALS w $120,031.27 $0.00 $0.00 ($39,158.55) $0.00 $80,872.72 chasepaymentech.com Privacy Policy I Terms of Use Secure Site © Copyright 2007 , Chase Paymentech Solutions, LLC All Rights Reserved . http://demo-prod.tampa.paymentech.com/recsol/recsol_ssdr.aspx (2 of 3)8/9/2007 9:53:19 AM Resource Online I Recon Solution I Chase Paymentech Solutions Resource Online CHASE 0 Paymentech' log out admin Home Instant Merchant Recon Virtual Transaction banklookup Alerts Search Solution Manager help submit questions Hierarchy Structure Report Report Criteria 520 Selected Hierarchy Edit US DEM01 - 1000001 (Corporate) Resource Online US DEM01 - 1000001 (Corporate)III III I Best printed in landscape « < Page 1 of 1 > » Page Size: 25 LEVEL HIERARCHY/MERCHANT NAME HIERARCHY/MERCHANT # BUSINESS ID Chain US DEM01 1000001 900001 Merchant US DEM02 1000002 900002 Merchant US DEM03 1000003 900003 Merchant US DEM04 1000004 900004 Merchant US DEM05 1000005 900005 Merchant US DEM06 1000006 900006 Merchant US DEM01 1000001 900007 Merchant US DEM07 1000007 900008 Merchant US DEM08 1000008 900009 Merchant US DEM09 1000009 9000010 chasepaymentech.com Privacy Policy I Terms of Use Secure Site © Copyright 2007 , Chase Paymentech Solutions, LLC All Rights Reserved . http://demo-prod.tampa.paymentech.com/recsol/recsol_mhsr.aspx (1 of 3)8/9/2007 9:52:53 AM Resource Online I Recon Solution I Chase Paymentech Solutions SlResourceOnline Home Instant Merchant Recon Virtual Transaction Alerts Search Solution Manager Fulfilled Retrievals Report Report Criteria Selected Hierarchy US DEM01 - 1000001 (Corporate) CHASE 0 Paymentech'" log out admin bank lookup help submit questions Fulfilled Date: 7/1/2007 - 8/8/2007 Case #: Cardholder #: Trans Date: Reason: Amount: Custom Data: Fulfilled Retrievals Report Resource Online Fulfilled Date: 7/1/2007 - 8/8/2007 C�„ SAE US DEM01 - 1000001 (Corporate) Li X96 Edit Optional Criteria Case #: Cardholder #: Trans Date: Reason: Amount: Custom Data: Best printed in landscape << < Page 1 of 1 > >y Page Size:25 MERCHANT NAME MERCHANT # CASE # FULFILLED DATE RETR. DATE TRANS. DATE CARDHOLDER # ORIG REF # REASON MCC AMT US DEM01 1000001 ""*"" '*' 4/4/2007 4/4/2007 12/29/2006 ***********"1234 '*" '*'"" '** 33 -LEGAL PROCESS OR FRAUD RQST 5541 $47.00 US DEM02 1000002 *************4/19/2007 4/19/2007 3/10/2007 *************1234 ****************33 -LEGAL PROCESS OR FRAUD RQST 5541 $16.19 US DEM03 1000003 *************4/19/2007 4/19/2007 3/13/2007 *************1234 ****************33 -LEGAL PROCESS OR FRAUD RQST 5541 $30.00 US DEM03 1000003 *************4/19/2007 4/19/2007 3/19/2007 *************1234 ****************33 -LEGAL PROCESS OR FRAUD RQST 5541 $64.18 US DEM04 1000004 *************4/19/2007 4/19/2007 2/18/2007 *************1234 **************** 37 -FRAUDULENT TRANSACTION NO SIGN 5541 $33.42 US DEM04 1000004 *************4/19/2007 4/19/2007 2/18/2007 *************1234 **************** 37 -FRAUDULENT TRANSACTION NO SIGN 5541 $41.99 US DEM05 1000005 *************4/19/2007 4/19/2007 1/25/2007 *************1234 ****************37 -FRAUDULENT TRANSACTION NO SIGN 5541 $49.31 US DEM06 1000006 *************4/19/2007 4/19/2007 3/3/2007 *************1234 ****************37 -FRAUDULENT TRANSACTION NO SIGN 5541 $40.00 US DEM07 1000007 *************4/26/2007 4/26/2007 4/12/2007 *************1234 ****************76 -NON -TRANSACTION CURRENCY THROU 5541 $7.95 REPORT TOTALS $330.04 chasepaymentech.com Privacy Policy I Terms of Use Secure Site © Copyright 2007 , Chase Paymentech Solutions, LLC All Rights Reserved . http://demo-prod.tampa.paymentech.com/recsol/recsol_frtr.aspx (1 of 3)8/9/2007 9:52:03 AM Resource Online I Recon Solution I Chase Paymentech Solutions SResource Online Home I Instant I Merchant I Recon I Virtual Transaction Alerts Search Solution Manager Outstanding Retrievals Report CHASE 0 Paymeraech" log out admin bank lookup help submit questions Report Criteria vu Selected Hierarchy Retrieval Date: 7/1/2007 - 8/8/2007 Edit US DEM01 - 1000001 (Corporate) Case M Trans Date Amount: Custom Data: Cardholder #: Expire Date: Reason: Outstanding Retrievals Report Resource ounce Online Retrieval Date: 7/1/2007 - 8/8/2007 US DEM01 - 1000001 (Corporate) CHASE �mented+� Optional Criteria Case #: Cardholder #: Trans Date: Trans Type: Expire Date: Amount: Reason: Custom Data: Best printed in landscape « < Page 1 of 1 > pp Page Size: 25 MERCHANT NAME MERCHANT # CASE # RETR. DATE EXP DATE TRANS. DATE CARDHOLDER # ORIG REF # REASON MCC AMT US DEM01 1000001 5/10/2007 5/24/2007 3/10/2007 *************1234**' 33 -LEGAL PROCESS OR FRAUD RQST5541 $36.65 US DEM02 1000002 ************* 5/10/2007 5/24/2007 4/29/2007 *************1234 ************* 33 -LEGAL PROCESS OR FRAUD RQST 5541 $34.60 REPORT TOTALS $71.25 chasepaymentech.com Privacy Policy I Terms of Use I Secure Site © Copyright 2007 , Chase Paymentech Solutions, LLC All Rights Reserved . http://demo-prod.tampa.paymentech.com/reesol/recsol_ortr.aspx (1 of 3)8/9/2007 9:51:36 AM Resource Online I Recon Solution I Chase Paymentech Solutions 6Resource Online Home Instant MerchantI Recon I Virtual Transaction Alerts Search Solution Manager Card Type Summary Report Report Criteria Selected Hierarchy US DEM01 - 1000001 (Corporate) Resource Online « 4 Page 1 of 1 ► DESCRIPTION American Express Discover Card MasterCard Stored Value Card Visa Card REPORT TOTALS CHASE 0 Paymentech' log ..t admin bank lookup help submit questions Process Date Card Type Summary Report Process Date: 7/1/2007 - 8/8/2007 US DEM01 - 1000001 (Corporate) 7/1/2007 - 8/8/2007 Edit CHASE 10 Paymentech' Best printed in landscape Page Size: 25 AMT $24,381.02 $12,729.46 $64,322.20 ($5,024.75) $55,709.07 $152,117.00 chasepaymentech.com Privacy Policy I Terms of Use Secure Site © Copyright 2007 , Chase Paymentech Solutions, LLC All Rights Reserved . http://demo-prod.tampa.paymentech.com/reesol/recsol_dsrc.aspx (1 of 3)8/9/2007 9:50:48 AM Resource Online I Recon Solution I Chase Paymentech Solutions &ResourceOnline CHASED PaymwdecW log out admin Home Instant Merchant Recon I Virtual Transaction banklookup Alerts Search Solution Manager help submit questions All Transactions Report Report Criteria Lff Selected Hierarchy Process Date: 7/1/2007 - 8/8/2007 Edit US DEM01 - 1000001 (Corporate) Cardholder #: Paid By: Amount: Trans Type: Custom Data: CardType: All Transactions Report Resource Online Process Date: 7/1/2007 - 8/8/2007 US DEM01 1000001 CHASE Paymentech' - (Corporate) Optional Criteria Cardholder #: Paid By: Amount: Trans Type: Custom Data: Trans Type: Best printed in landscape 4< Page 1 of 10 >> Page Size: r257 MERCHANT NAME MERCHANT # TR DATE BATCH DATE CARDHOLDER # REF PAID BY QUAL TR TYPE TRANS. REF. ENTRY AUTH CODE REJECT AMT US DEM01 1000001 05/01/07 5/1/2007 ************1234 1 PaymentechVS CPS/Reward 2 DR *****"******'*******Keyed 04736B $165.00 US DEM01 1000001 05/01/07 5/1/2007 ************1234 2 PaymentechVS CPS E -Commerce Basic Debit DR *********************Keyed 112580 $170.00 US DEM01 1000001 05/01/07 5/1/2007 ************1234 3 PaymentechVS CPS/Reward 2 DR *********************Keyed 035025 $38.97 US DEM01 1000001 05/01/07 5/1/2007 ************1234 4 PaymentechVS CPS/ECOMMERCE-BASIC DR *********************Keyed 001924 $134.99 US DEM01 1000001 05/01/07 5/1/2007 ************1234 8 Others AMEX DR ********************* Keyed 141432 $160.00 US DEM01 1000001 05/01/07 5/1/2007 ************1234 10 Paymentech MC World Merit 1 DR ********************* Keyed 660870 $340.00 US DEM01 1000001 05/01/07 5/1/2007 ************1234 12 Paymentech VS CPS E -Commerce Basic Debit DR ********************* Keyed 000003 $23.98 US DEM01 1000001 05/01/07 5/1/2007 ************1234 14 PaymentechVSCPS/ECOMMERCE-BASIC DR *********************Keyed 02581A $110.00 US DEM01 1000001 05/01/07 5/1/2007 ************1234 13 PaymentechVS CPS E -Commerce Basic Debit DR *********************Keyed 572767 $215.00 US DEM01 1000001 05/01/07 5/1/2007 ************1234 11 Others Disc DR *********************Keyed 001106 $53.96 US DEM01 1000001 05/01/07 5/1/2007 ************1234 9 Paymentech MC MERIT I ELECTRONIC COMMERCE DR ********************* Keyed 021494 $60.00 US DEM01 1000001 05/01/07 5/1/2007 ************1234 7 Paymentech MC MERIT I ELECTRONIC COMMERCE DR ********************* Keyed 003377 $135.00 US DEM01 1000001 05/01/07 5/1/2007 ************1234 6 Paymentech MC MERIT I ELECTRONIC COMMERCE DR ********************* Keyed 045472 $110.00 US DEM01 1000001 05/01/07 5/1/2007 ************1234 5 Paymentech VS CPS/Reward 2 DR ********************* Keyed 06760C $39.19 US DEM02 1000002 05/01/07 5/1/2007 ************1234 1 Others Stored Value CR *********************Swiped 427085 ($25.00) US DEM02 1000002 05/01/07 5/1/2007 ************1234 2 Others Stored Value CR *********************Swiped 427085 ($25.00) US DEM02 1000002 05/01/07 5/1/2007 ************1234 4 Others Stored Value CR *********************Swiped 427240 ($25.00) US DEM02 1000002 05/01/07 5/1/2007 ************1234 3 Others Stored Value CR *********************Swiped 427240 ($25.00) US DEM02 1000002 05/01/07 5/1/2007 ************1234 6 Others Stored Value CR *********************Swiped 427377 ($50.00) US DEM02 1000002 05/01/07 5/1/2007 ************1234 8 Others Stored Value CR *********************Swiped 427377 ($50.00) US DEM02 1000002 05/01/07 5/1/2007 ************1234 10 Others Stored Value CR *********************Swiped 427377 ($50.00) US DEM02 1000002 05/01/07 5/1/2007 ************1234 12 Others Stored Value CR *********************Swiped 427377 ($50.00) US DEM02 1000002 05/01/07 5/1/2007 ************1234 14 Others Stored Value CR *********************Swiped 427377 ($50.00) US DEM02 1000002 05/01/07 5/1/2007 ************1234 23 Others Stored Value CR *********************Swiped 427489 ($150.00) US DEM02 1000002 05/01/07 5/1/2007 ************1234 22 Others Stored Value CR *********************Swiped 427489 ($150.00) REPORT TOTALS '-Nft $152,117.00 http://demo-prod.tampa.paymentech.com/recsol/recsol_atr.aspx (1 of 3)8/9/2007 9:50:17 AM Resource Online I Recon Solution I Chase Paymentech Solutions SResourceOnline Home Instant Merchant Recon Virtual Transaction Alerts Search Solution Manager Batch Summary Report CHASE 10 Paymentech'" .,out admin bank lookup help submit questions Report Criteria Selected Hierarchy Process Date: 7/1/2007 - 8/8/2007 US DEM01 - 1000001 (Corporate) Batch Total Amount: Adjusted Amount: Edit Settled Amount: Non -Settled Amount: Itemize by Card Type: No Batch Summary Report Process Date: 7/1/2007 - 8/8/2007' Resource Online US DEM01 - 1000001 (Corporate) CHASE Batch Total Amount: Adjusted Amount: Settled Amount: Non -Settled Amount: Itemize by Card Type: No Best printed in landscape << < Page 1 of 1 > » Page Size:25 BATCH ID MERCHANT NAME MERCHANT # BATCH # PROCESS DATE BATCH DATE TRANS CNT BATCH TOTAL SETTLED AMT NON -SETTLED AMT ADJ AMT 411136458 US DEM01 1000001 5771050001405/2/2007 5/1/2007 1 $160.00 $0.00 $160.00 $0.00 411136458 US DEM01 1000001 5771050001405/2/2007 5/1/2007 1 $53.96 $0.00 $53.96 $0.00 411136458 US DEM01 1000001 5771050001405/2/2007 5/1/2007 4 $645.00 $645.00 $0.00 $0.00 411136458 US DEM01 1000001 5771050001405/2/2007 5/1/2007 8 $897.13 $897.13 $0.00 $0.00 411067920 US DEM02 1000002 2004000490 5/2/2007 5/1/2007 50 ($5,125.00) $0.00 ($5,125.00) $0.00 411067922 US DEM02 1000002 9281040004915/2/2007 5/1/2007 1 $360.00 $360.00 $0.00 $0.00 411077324 US DEM03 1000003 1001000891 5/2/2007 5/2/2007 22 $24,135.95 $0.00 $24,135.95 $0.00 411077324 US DEM03 1000003 1001000891 5/2/2007 5/2/2007 17 $12,675.50 $0.00 $12,675.50 $0.00 411077324 US DEM03 1000003 1001000891 5/2/2007 5/2/2007 39 $63,266.20 $63,266.20 $0.00 $0.00 411077324 US DEM03 1000003 1001000891 5/2/2007 5/2/2007 1 $96.35 $0.00 $96.35 $0.00 411077324 US DEM03 1000003 1001000891 5/2/2007 5/2/2007 58 $54,511.40 $54,511.40 $0.00 $0.00 411080264 US DEM04 1000004 1002000140 5/2/2007 5/2/2007 1 $3.90 $0.00 $3.90 $0.00 411080266 US DEM04 1000004 4231020001415/2/2007 5/2/2007 2 $8.75 $8.75 $0.00 $0.00 411080268 US DEM04 1000004 424102000142 5/2/2007 5/2/2007 2 $46.95 $0.00 $46.95 $0.00 411080268 US DEM04 1000004 424102000142 5/2/2007 5/2/2007 4 $18.20 $18.20 $0.00 $0.00 411080268 US DEM04 1000004 424102000142 5/2/2007 5/2/2007 25 $111.15 $111.15 $0.00 $0.00 411070962 US DEM05 1000005 40102000014 5/2/2007 5/2/2007 1 $38.12 $0.00 $38.12 $0.00 http://demo-prod.tampa.paymentech.com/recsol/reesol_bdr.aspx (1 of 3)8/9/2007 9:49:26 AM Resource Online I Recon Solution I Chase Paymentech Solutions 411070962 US DEM05 1000005 40102000014 5/2/2007 5/2/2007 1 $32.80 $32.80 $0.00 $0.00 411070962 US DEM05 1000005 40102000014 5/2/2007 5/2/2007 8 $180.64 $180.64 $0.00 $0.00 246 $152,117.00 $120,031.27 $32,085.73 $0.00 chasepaymentech.com Privacy Policy I Terms of Use J Secure Site © Copyright 2007 , Chase Paymentech Solutions, LLC All Rights Reserved . http://demo-prod.tampa.paymentech.com/recsol/reesol_bdr.aspx (2 of 3)8/9/2007 9:49:26 AM Resource Online I Instant Alerts I Chase Paymentech Solutions SResource Online Home I Instant Merchant Recon Virtual Transaction Alerts Search Solution Manager Interchange Qualification Report View the results of your search below. Report Criteria US DEM01 - 1000001 (Corporate) &Resource Online CHASE 10 Paymentech" Instant Alerts US DEM01 - 1000001 (Corporate) log out admin bank lookup help submit questions 452) CHASE ! i aymentech" N 4 Page 1 of 7 � )> Go to Page F1-1 Page Size: 25 MERCHANT NAME MERCHANT # SETUP DATE % NON -QUAL DOWN/CATEGORY CNT KEYED OPEN BATCH CNT FORCED SALES CNT DAYS BATCH OPEN RECIPIENTS US DEM01 1000001 05/31/07 70% 50 4 DEMO@CHASEPAYMENTECH.COM US DEM02 1000002 05/31/07 70% 50 4 DEMO@CHASEPAYMENTECH.COM US DEM03 1000003 05/31/07 70% 50 4 DEMO@CHASEPAYMENTECH.COM US DEM04 1000004 05/31/07 70% 50 4 DEMO@CHASEPAYMENTECH.COM US DEM05 1000005 05/31/07 70% 50 4 DEMO@CHASEPAYMENTECH.COM US DEM06 1000006 05/31/07 70% 50 4 DEMO@CHASEPAYMENTECH.COM US DEM07 1000007 05/31/07 70% 50 4 DEMO@CHASEPAYMENTECH.COM US DEM08 1000008 05/31/07 70% 50 4 DEMO@CHASEPAYMENTECH.COM US DEM09 1000009 05/31/07 70% 50 4 DEMO@CHASEPAYMENTECH.COM US DEM010 10000010 05/31/07 70% 50 4 DEMO@CHASEPAYMENTECH.COM US DEM011 10000011 05/31/07 70% 50 4 DEMO@CHASEPAYMENTECH.COM US DEM012 10000012 05/31/07 70% 50 4 DEMO@CHASEPAYMENTECH.COM US DEM013 10000013 05/31/07 70% 50 4 DEMO@CHASEPAYMENTECH.COM US DEM014 10000014 05/31/07 70% 50 4 DEMO@CHASEPAYMENTECH.COM US DEM015 10000015 05/31/07 70% 50 4 DEMO@CHASEPAYMENTECH.COM US DEM016 10000016 05/31/07 70% 50 4 DEMO@CHASEPAYMENTECH.COM US DEM017 10000017 05/31/07 70% 50 4 DEMO@CHASEPAYMENTECH.COM US DEM018 10000018 05/31/07 70% 50 4 DEMO@CHASEPAYMENTECH.COM US DEM019 10000019 05/31/07 70% 50 4 DEMO@CHASEPAYMENTECH.COM US DEM020 10000020 05/31/07 70 % 50 4 DEMO@CHASEPAYMENTECH.COM US DEM021 10000021 05/31/07 70 % 50 4 DEMO@CHASEPAYMENTECH.COM US DEM022 10000022 05/31/07 70 % 50 4 DEMO@CHASEPAYMENTECH.COM US DEM023 10000023 05/31/07 70 % 50 4 DEMO@CHASEPAYMENTECH.COM US DEM024 10000024 05/31/07 70 % 50 4 DEMO@CHASEPAYMENTECH.COM US DEM025 10000025 05/31/07 70 % 50 4 DEMO@CHASEPAYMENTECH.COM http://demo-prod.tampa.paymentech.com/insale/insale_ReponPage.aspx?code—intqua (I of 3)8/9/2007 10:05:07 AM Resource Online I Instant Alerts I Chase Paymentech Solutions 6 Resource Online Home Instant Merchant Recon Virtual Transaction Alerts Search Solution Manager Chargebacks Report View the results of your search below. Report Criteria US DEM01 - 1000001 (Corporate) CHASE OF Paymentech' log out admin bank lookup help submit questions �520 Instant Alerts I �! esourCe Online US DEM01 - 1000001 (Corporate) CHASE « � Page 1 of 7 > » Go to Page F-1 Page Size: 25 MERCHANT NAME MERCHANT # SETUP DATE CB CNT SINGLE CB AMT TOTAL CB AMT RECIPIENTS US DEM01 1000001 05/31/07 500 1000 DEMO@CHASEPAYMENTECH.COM US DEM02 1000002 05/31/07 500 1000 DEMO@CHASEPAYMENTECH.COM US DEM03 1000003 05/31/07 500 1000 DEMO@CHASEPAYMENTECH.COM US DEM04 1000004 05/31/07 500 1000 DEMO@CHASEPAYMENTECH.COM US DEM05 1000005 05/31/07 500 1000 DEMO@CHASEPAYMENTECH.COM US DEM06 1000006 05/31/07 500 1000 DEMO@CHASEPAYMENTECH.COM US DEM07 1000007 05/31/07 500 1000 DEMO@CHASEPAYMENTECH.COM US DEM08 1000008 05/31/07 500 1000 DEMO@CHASEPAYMENTECH.COM US DEM09 1000009 05/31/07 500 1000 DEMO@CHASEPAYMENTECH.COM US DEM010 10000010 05/31/07 500 1000 DEMO@CHASEPAYMENTECH.COM US DEM011 10000011 05/31/07 500 1000 DEMO@CHASEPAYMENTECH.COM US DEM012 10000012 05/31/07 500 1000 DEMO@CHASEPAYMENTECH.COM US DEM013 10000013 05/31/07 500 1000 DEMO@CHASEPAYMENTECH.COM US DEM014 10000014 05/31/07 500 1000 DEMO@CHASEPAYMENTECH.COM US DEM015 10000015 05/31/07 500 1000 DEMO@CHASEPAYMENTECH.COM US DEM016 10000016 05/31/07 500 1000 DEMO@CHASEPAYMENTECH.COM US DEM017 10000017 05/31/07 500 1000 DEMO@CHASEPAYMENTECH.COM US DEM018 10000018 05/31/07 500 1000 DEMO@CHASEPAYMENTECH.COM US DEM019 10000019 05/31/07 500 1000 DEMO@CHASEPAYMENTECH.COM US DEM020 10000020 05/31/07 500 1000 DEMO@CHASEPAYMENTECH.COM US DEM021 10000021 05/31/07 500 1000 DEMO@CHASEPAYMENTECH.COM US DEM022 10000022 05/31/07 500 1000 DEMO@CHASEPAYMENTECH.COM US DEM023 10000023 05/31/07 500 1000 DEMO@CHASEPAYMENTECH.COM US DEM024 10000024 05/31/07 500 1000 DEMO@CHASEPAYMENTECH.COM US DEM025 10000025 05/31/07 500 1000 DEMO@CHASEPAYMENTECH.COM chasepaymentech.com Privacy Policy I Terms of Use J Secure Site © Copyright 2007 , Chase Paymentech Solutions, LLC All Rights Reserved . http://demo-prod.tampa.paymentech.com/insale/insale_ReportPage.aspx?code—cha (I of 3)8/9/2007 10:07:07 AM Resource Online I Instant Alerts I Chase Paymentech Solutions Resource Online CHASE 0 Paymentech' log o.t admin Home I Instant I Merchant Recon Virtual Transaction banklookup Alerts SearchSolution I Manager help I submit questions Alerts Log View the results of your search below. Report Criteria Date Range: 8/1/2007 - 8/8/2007 520 Instant Alerts Resource Online Date Range: 8/1/2007 - 8/8/2007 CHASE 0 Paymentech' G< I Page 1 of 26 > » Go to Page = Page Size: 25 MERCHANT NAME MERCHANT # CREATE DATE/TIME ALERT TYPE RECIPIENTS US DEM01 1000001 4/14/2007 12:02:47 AM INTERCHANGE demo@chasepaymentech.com US DEM01 1000001 4/14/2007 12:05:54 AM INTERCHANGE demo@chasepaymentech.com US DEM01 1000001 4/14/2007 12:11:47 AM INTERCHANGE demo@chasepaymentech.com US DEM01 1000001 4/14/2007 12:15:00 AM INTERCHANGE demo@chasepaymentech.com US DEM01 1000001 4/15/2007 12:04:29 AM INTERCHANGE demo@chasepaymentech.com US DEM01 1000001 4/15/2007 12:10:13 AM INTERCHANGE demo@chasepaymentech.com US DEM01 1000001 4/15/2007 12:16:19 AM INTERCHANGE demo@chasepaymentech.com US DEM01 1000001 4/15/2007 12:19:27 AM INTERCHANGE demo@chasepaymentech.com US DEM01 1000001 4/16/2007 12:11:11 AM INTERCHANGE demo@chasepaymentech.com US DEM01 1000001 4/18/2007 12:15:52 AM INTERCHANGE demo@chasepaymentech.com US DEM01 1000001 4/18/2007 12:28:21 AM INTERCHANGE demo@chasepaymentech.com US DEM01 1000001 4/18/2007 12:34:07 AM INTERCHANGE demo@chasepaymentech.com US DEM02 1000002 4/13/2007 12:21:35 AM VELOCITY demo@chasepaymentech.com US DEM02 1000002 4/13/2007 12:21:35 AM VELOCITY demo@chasepaymentech.com US DEM02 1000002 4/13/2007 12:21:35 AM INTERCHANGE demo@chasepaymentech.com US DEM02 1000002 4/13/2007 12:21:35 AM VELOCITY demo@chasepaymentech.com US DEM02 1000002 4/13/2007 12:21:35 AM VELOCITY demo@chasepaymentech.com US DEM02 1000002 4/13/2007 12:21:35 AM INTERCHANGE demo@chasepaymentech.com US DEM02 1000002 4/14/2007 12:02:42 AM INTERCHANGE demo@chasepaymentech.com US DEM02 1000002 4/15/2007 12:07:22 AM INTERCHANGE demo@chasepaymentech.com US DEM02 1000002 4/15/2007 12:16:29 AM VELOCITY demo@chasepaymentech.com US DEM02 1000002 4/15/2007 12:19:27 AM INTERCHANGE demo@chasepaymentech.com US DEM02 1000002 4/16/2007 12:08:10 AM INTERCHANGE demo@chasepaymentech.com US DEM02 1000002 4/16/2007 12:29:28 AM INTERCHANGE demo@chasepaymentech.com US DEM02 1000002 4/17/2007 12:15:14 AM INTERCHANGE demo@chasepaymentech.com chasepaymentech.com Privacy Policy I Terms of Use J Secure Site © Copyright 2007 , Chase Paymentech Solutions, LLC All Rights Reserved . http://demo-prod.tampa.paymentech.comlinsalelinsale_insalelog.aspx?code=insalelog (1 of 3)8/9/2007 10:06:37 AM Resource Online I Instant Alerts I Chase Paymentech Solutions SResource Online Home Instant Merchant Recon Virtual Transaction Alerts Search Solution Manager Velocity Report View the results of your search below. Report Criteria US DEM01 - 1000001 (Corporate) CHASE 10 Paymentech'" lag out admin bank lookup help submit questions Instant Alerts Resource Online US DEM01 - 1000001 (Corporate) CHASE CP « � Page 1 of 7 * » Go to Page a Page Size: 25 MERCHANT NAME MERCHANT # SETUP DATE SINGLE MERCH CNT SALE AMT RETURN AMT RECIPIENTS US DEM01 1000001 05/31/07 10 500 DEMO@CHASEPAYMENTECH.COM US DEM02 1000002 05/31/07 10 500 DEMO@CHASEPAYMENTECH.COM US DEM03 1000003 05/31/07 10 500 DEMO@CHASEPAYMENTECH.COM US DEM04 1000004 05/31/07 10 500 DEMO@CHASEPAYMENTECH.COM US DEM05 1000005 05/31/07 10 500 DEMO@CHASEPAYMENTECH.COM US DEM06 1000006 05/31/07 10 500 DEMO@CHASEPAYMENTECH.COM US DEM07 1000007 05/31/07 10 500 DEMO@CHASEPAYMENTECH.COM US DEM08 1000008 05/31/07 10 500 DEMO@CHASEPAYMENTECH.COM US DEM09 1000009 05/31/07 10 500 DEMO@CHASEPAYMENTECH.COM US DEM010 10000010 05/31/07 10 500 DEMO@CHASEPAYMENTECH.COM US DEM011 10000011 05/31/07 10 500 DEMO@CHASEPAYMENTECH.COM US DEM012 10000012 05/31/07 10 500 DEMO@CHASEPAYMENTECH.COM US DEM013 10000013 05/31/07 10 500 DEMO@CHASEPAYMENTECH.COM US DEM014 10000014 05/31/07 10 500 DEMO@CHASEPAYMENTECH.COM US DEM015 10000015 05/31/07 10 500 DEMO@CHASEPAYMENTECH.COM US DEM016 10000016 05/31/07 10 500 DEMO@CHASEPAYMENTECH.COM US DEM017 10000017 05/31/07 10 500 DEMO@CHASEPAYMENTECH.COM US DEM018 10000018 05/31/07 10 500 DEMO@CHASEPAYMENTECH.COM US DEM019 10000019 05/31/07 10 500 DEMO@CHASEPAYMENTECH.COM US DEM020 10000020 05/31/07 10 500 DEMO@CHASEPAYMENTECH.COM US DEM021 10000021 05/31/07 10 500 DEMO@CHASEPAYMENTECH.COM US DEM022 10000022 05/31/07 10 500 DEMO@CHASEPAYMENTECH.COM US DEM023 10000023 05/31/07 10 500 DEMO@CHASEPAYMENTECH.COM US DEM024 10000024 05/31/07 10 500 DEMO@CHASEPAYMENTECH.COM US DEM025 10000025 05/31/07 10 500 DEMO@CHASEPAYMENTECH.COM chasepaymentech.com Privacy Policy I Terms of Use Secure Site © Copyright 2007 , Chase Paymentech Solutions, LLC All Rights Reserved . http://demo-prod.tampa.paymentech.com/insale/insale_ReportPage.aspx?code=velche (1 of 3)8/9/2007 10:05:58 AM Resource Online I Instant Alerts I Chase Paymentech Solutions Resource Online CHASE 0 Pa mentech' log out admin Home Instant Merchant Recon Virtual Transaction bank lookup Alerts Search Sal utio n Manager help submit questions Retrievals Report View the results of your search below. Report Criteria US DEM01 - 1000001 (Corporate) SResourceOnline Instant Alerts US DEM01 - 1000001 (Corporate) J- 6 FR CHASE 0 1 Pa mentechrw CC ! Page 1 of 7 ' >> Go to Page Fil Page Size: 25 MERCHANT NAME MERCHANT # SETUP DATE RETR CNT SINGLE RETR AMT RETR AMT RETR EXP 2 DAYS RECIPIENTS US DEM01 1000001 05/31/07 100 Yes DEMO@CHASEPAYMENTECH.COM US DEM02 1000002 05/31/07 100 Yes DEMO@CHASEPAYMENTECH.COM US DEM03 1000003 05/31/07 100 Yes DEMO@CHASEPAYMENTECH.COM US DEM04 1000004 05/31/07 100 Yes DEMO@CHASEPAYMENTECH.COM US DEM05 1000005 05/31/07 100 Yes DEMO@CHASEPAYMENTECH.COM US DEM06 1000006 05/31/07 100 Yes DEMO@CHASEPAYMENTECH.COM US DEM07 1000007 05/31/07 100 Yes DEMO@CHASEPAYMENTECH.COM US DEM08 1000008 05/31/07 100 Yes DEMO@CHASEPAYMENTECH.COM US DEM09 1000009 05/31/07 100 Yes DEMO@CHASEPAYMENTECH.COM US DEM010 10000010 05/31/07 100 Yes DEMO@CHASEPAYMENTECH.COM US DEM011 10000011 05/31/07 100 Yes DEMO@CHASEPAYMENTECH.COM US DEM012 10000012 05/31/07 100 Yes DEMO@CHASEPAYMENTECH.COM US DEM013 10000013 05/31/07 100 Yes DEMO@CHASEPAYMENTECH.COM US DEM014 10000014 05/31/07 100 Yes DEMO@CHASEPAYMENTECH.COM http://demo-prod.tampa.paymentech.com/insale/insale_ReportPage.aspx?code=ret (1 of 3)8/9/2007 10:05:34 AM Resource Online I Instant Alerts I Chase Paymentech Solutions US DEM015 10000015 05/31/07 100 Yes DEMO@CHASEPAYMENTECH.COM US DEM016 10000016 05/31/07 100 Yes DEMO@CHASEPAYMENTECH.COM US DEM017 10000017 05/31/07 100 Yes DEMO@CHASEPAYMENTECH.COM US DEM018 10000018 05/31/07 100 Yes DEMO@CHASEPAYMENTECH.COM US DEM019 10000019 05/31/07 100 Yes DEMO@CHASEPAYMENTECH.COM US DEM020 10000020 05/31/07 100 Yes DEMO@CHASEPAYMENTECH.COM US DEM021 10000021 05/31/07 100 Yes DEMO@CHASEPAYMENTECH.COM US DEM022 10000022 05/31/07 100 Yes DEMO@CHASEPAYMENTECH.COM US DEM023 10000023 05/31/07 100 Yes DEMO@CHASEPAYMENTECH.COM US DEM024 10000024 05/31/07 100 Yes DEMO@CHASEPAYMENTECH.COM US DEM025 10000025 05/31/07 100 Yes DEMO@CHASEPAYMENTECH.COM chasepaymentech.com Privacy Policy I Terms of Use J Secure Site © Copyright 2007 , Chase Paymentech Solutions, LLC All Rights Reserved . http://demo-prod.tampa.paymentech.com/insale/insale_ReportPage.aspx?code=ret (2 of 3)8/9/2007 10:05:34 AM Resource Online I Chase Paymentech Solutions SResourceOnline CHASE 0 Paymentech' log out admin Home Instant Merchant Recon Virtual Transaction banklookup Alerts Search Solution Manager help submit questions Batch Summary View the results of your search below. Click on Batch # to view the corresponding transactions in that batch. Report Criteria Edit US DEM01 - 1000001 (Corporate) Batch Date: 8/9/2007 - 8/9/2007 Batch Type: Closed Itemize by Card No Type: Resource Online Batch Summary US DEM01 - 1000001 (Corporate) Batch Date: Batch Type: Itemize by Card Type: 8/9/2007 - 8/9/2007 Closed No CHASE C0101 chasepaymentech.com Privacy Policy I Terms of Use Secure Site © Copyright 2007 , Chase Paymentech Solutions, LLC All Rights Reserved . http://demo-prod.tampa.paymentech.com/virtra/virtra_batsumv.aspx (1 of 3)8/9/2007 10:01:49 AM Best printed in landscape << < Page 1 of 1 > >y Go to Page F1-1 of 1 Page Size: = BATCH # MERCHANT NAME REPORTING MERCH # CLOSE DATE TERM/OP ID SALE CNT SALE AMT RETURN CNT RETURN AMT ERROR CNT TRANS CNT BATCH AMT 582-1 US DEM01 100000001 5/9/2007 001 48 $7,103.95 0 $0.00 0 48 $7,103.95 583-1 US DEM01 100000001 5/9/2007 001 35 $5,313.94 0 $0.00 0 35 $5,313.94 055-1 US DEM02 100000002 5/9/2007 064 1 $90.00 0 $0.00 0 1 $90.00 129-001 US DEM02 100000002 5/9/2007 004 0 $0.00 23 $1,450.00 0 23 ($1,450.00) 128-001 US DEM03 100000003 5/9/2007 001 157$104,661.00 2 $1,230.95 8 167 $103,430.05 431-1 US DEM04 100000004 5/9/2007 001 29 $146.75 0 $0.00 0 29 $146.75 052-1 US DEM05 100000005 5/9/2007 001 11 $240.54 0 $0.00 0 11 $240.54 REPORT TOTALS 281 $117,556.18 25 $2,680.95 8 314 $114,875.23 chasepaymentech.com Privacy Policy I Terms of Use Secure Site © Copyright 2007 , Chase Paymentech Solutions, LLC All Rights Reserved . http://demo-prod.tampa.paymentech.com/virtra/virtra_batsumv.aspx (1 of 3)8/9/2007 10:01:49 AM Resource Online I Chase Paymentech Solutions &ResourceOnline CHASE Q Paymen ecW log out admin Home Instant I Merchant Recon Virtual Transaction banklookup Alerts Search Solution Manager help submit questions Suspense Batch Summary View the results of your search below. Click on Batch # to view the corresponding transactions in that batch. Report Criteria Edit US DEM01 - 1000001 (Corporate) Date: 7/1/2007 - 8/9/2007 SResource Online Suspense Batch Summary US DEM01 - 1000001 (Corporate) Date: 7/1/2007- 8/9/2007 ab CHASE Q Paymenh" Best printed in landscape [[ 4 Page 1 of 1 yy Go to Page F1--1 of 1 Page Size: r257 BATCH # MERCHANT NAME REPORTING MERCH # PNS MERCH # UPLOAD DATE/TIME TERM/OP ID ERROR CODE TRANS CNT RETURN AMT SALES AMT RETURN AMT SALES AMT 507 US DEM01 1234567890 1234567890 6/14/2007 3:46:34 AM 001 ISO DETAIL ERRORERROR 089 507000 2 $0.00 $721.49 $0.00 $721.49 REPORT TOTALS 2 $0.00 $721.49 $0.00 $721.49 chasepaymentech.com Privacy Policy I Terms of Use -J Secure Site © Copyright 2007 , Chase Paymentech Solutions, LLC All Rights Reserved . http://demo-prod.tampa.paymentech.com/virtra/virtra_susbatsumv.aspx (1 of 3)8/9/2007 10:04:10 AM /r— f Resource Online I Chase Paymentech Solutions &ResourceOnline CHASE 0 Paymentechh" log out admin Home I Instant Merchant Recon I Virtual Transaction banklookup Alerts Search Solution Manager help submit questions Transaction Search View the results of your search below. Click on Seq # to view the corresponding transaction detail. Report Criteria Edit US DEM01 - 1000001 (Corporate) Trans Date: 7/1/2007 - 8/9/2007 Batch Type: Closed Card Type: Debit Card Information Trans Type: Auth Record Type: All Auth Gateway: All Debit Network: All EBT Network: All System: All Void: INCLUDE Resource Online Transaction Search US DEM01 - 1000001 (Corporate) Trans Date: 7/1/2007 - 8/9/2007 Batch Type: Closed Card Type: Debit Card Information Trans Type: Auth Record Type: All Auth Gateway: All Debit Network: All EBT Network: All System: All Void: INCLUDE 4456® CHASE 0 Paymentech" http://demo-prod.tampa.paymentech.com/virtra/virtra_traseay.aspx (1 of 3)8/9/2007 10:03:4 AM Best printed in landscape c< Page 1 of 1 >y Go to Page El of 1 Page Size: 25 SEQ # BATCH # MERCHANT NAME REPORTING MERCH # TR DATE/TIME CARD TYPE CARDHOLDER # EXP DATE AUTH CODE ENTRY MODE TERM/OP ID TR TYPE RECORD TYPE VOID AMT 004 129-001 US DEM01 100000001 5/9/2007 9:23:32 AM Visa **"**"""1234 02/09 898786 Manual Entry 001 Sale EDC $8.50 007 129-001 US DEM01 100000001 5/9/2007 10:12:35 AM Visa ************1234 11/09 519629 Complete Mag 001 Sale EDC $7.50 053 129-001 US DEM01 100000001 5/9/2007 12:31:51 PM Visa ******'*****1234 10/09 070638 Complete Mag 001 Sale EDC $8.50 370 431-1 US DEM02 100000002 5/8/2007 11:32:14 AM Visa ************1234 07/09 026136 Complete Mag 001 Sale EDC $6.36 007 052-1 US DEM03 100000003 5/8/2007 1:00:17 PM Visa ************1234 07/08 322357 Complete Mag 001 Sale EDC $6.35 008 052-1 US DEM03 100000003 5/8/2007 1:23:20 PM Visa ************1234 04/08 09577A Complete Mag 001 Sale EDC $9.52 REPORT TOTALS $46.73 http://demo-prod.tampa.paymentech.com/virtra/virtra_traseay.aspx (1 of 3)8/9/2007 10:03:4 AM Resource Online I Chase Paymentech solutions SResourceOnline CHASE Q Paymentech" log out i admin Home I Instant I MerchantRecon Virtual Transaction banklookup Alerts Search I Solution Manager help submit questions All Transactions View the results of your search below. Report Criteria US DEM01 - 1000001 (Corporate) Batch Close Date: 7/1/2007 - 8/9/2007 Trans Type: All Record Type: All Entry Mode: All r� Lff Resource Online CHASE 1 Paymentech" All Transactions US DEM01 - 1000001 (Corporate) Batch Close Date: 7/1/2007 - 8/9/2007 Trans Type: All Record Type: All Entry Mode: All Best printed in landscape N < Page 1 of 13 >> Go to Page = of 13 Page Size: = MERCHANT NAME TR DATE/TIME REPORTING MERCH # BATCH # BATCH CLOSE SEQ # CARD TYPE CARDHOLDER # EXP DATE AUTH CODE ENTRY MODE TERM/OP ID TR TYPE RECORD TYPE AMT US DEM01 5/8/2007 8:21:14 AM 100000001 582-1 5/9/2007 12:01:16 AM 001 MasterCard ************1234 01/08 T29831 Manual EComm 001 Sale EDC $210.00 US DEM01 5/8/2007 8:21:26 AM 100000001 582-1 5/9/2007 12:01:16 AM 018 Visa *****'******1234 12/07 02509A Manual Entry 001 Sale EDC $65.00 US DEM01 5/8/2007 8:21:40 AM 100000001 582-1 5/9/2007 12:01:16 AM 011 MasterCard ************1234 05/07 239988 Manual EComm 001 Sale EDC $110.00 US DEM01 5/8/2007 8:21:57 AM 100000001 582-1 5/9/2007 12:01:16 AM 004 MasterCard ************1234 05/08 326724 Manual EComm 001 Sale EDC $210.00 US DEM01 5/8/2007 8:22:10 AM 100000001 582-1 5/9/2007 12:01:16 AM 003 Visa ************1234 06/09 008732 Manual Entry 001 Sale EDC $110.00 US DEM01 5/8/2007 8:22:28 AM 100000001 582-1 5/9/2007 12:01:16 AM 002 Visa ************1234 09/08 008211 Manual Entry 001 Sale EDC $210.00 US DEM01 5/8/2007 8:22:47 AM 100000001 582-1 5/9/2007 12:01:16 AM 012 Visa ************1234 12/08 310915 Manual Entry 001 Sale EDC $60.00 US DEM01 5/8/2007 8:22:59 AM 100000001 582-1 5/9/2007 12:01:16 AM 016 Discover ************1234 05/08 008838 Manual Entry 001 Sale EDC $60.00 US DEM01 5/8/2007 8:23:21 AM 100000001 582-1 5/9/2007 12:01:16 AM 005 Visa ************1234 04/11 232139 Manual Entry 001 Sale EDC $160.00 US DEM01 5/8/2007 8:23:37 AM 100000001 582-1 5/9/2007 12:01:16 AM 013 Visa ************1234 01/10 008222 Manual Entry 001 Sale EDC $110.00 US DEM01 5/8/2007 8:23:49 AM 100000001 582-1 5/9/2007 12:01:16 AM 009 Visa ************1234 04/08 132531 Manual Entry 001 Sale EDC $110.00 US DEM01 5/8/2007 8:24:11 AM 100000001 582-1 5/9/2007 12:01:16 AM 007 MasterCard ************1234 01/10 023386 Manual EComm 001 Sale EDC $65.00 US DEM01 5/8/2007 8:24:27 AM 100000001 582-1 5/9/2007 12:01:16 AM 008 Visa ************1234 10/07 008525 Manual Entry 001 Sale EDC $110.00 US DEM01 5/8/2007 8:24:42 AM 100000001 582-1 5/9/2007 12:01:16 AM 010 Visa ************1234 08/09 02547A Manual Entry 001 Sale EDC $60.00 US DEM01 5/8/2007 8:25:45 AM 100000001 582-1 5/9/2007 12:01:16 AM 014 Visa ************1234 08/09 260821 Manual Entry 001 Sale EDC $65.00 US DEM01 5/8/2007 8:26:01 AM 100000001 582-1 5/9/2007 12:01:16 AM 017 MasterCard ************1234 04/10 080095 Manual EComm 001 Sale EDC $115.00 US DEM01 5/8/2007 8:26:46 AM 100000001 582-1 5/9/2007 12:01:16 AM 006 Amex ************1234 04/09 129618 Manual Entry 001 Sale EDC $60.00 US DEM01 5/8/2007 8:27:12 AM 100000001 582-1 5/9/2007 12:01:16 AM 015 MasterCard ************1234 06/07 040594 Manual EComm 001 Sale EDC $160.00 US DEM01 5/8/2007 8:49:08 AM 100000001 582-1 5/9/2007 12:01:16 AM 019 Amex ************1234 05/09 187704 Manual Entry 001 Sale EDC $110.00 US DEM01 5/8/2007 8:49:54 AM 100000001 582-1 5/9/2007 12:01:16 AM 020 Visa ************1234 07/07 04590B Manual Entry 001 Sale EDC $165.00 US DEM01 5/8/2007 8:50:13 AM 100000001 582-1 5/9/2007 12:01:16 AM 021 Visa ************1234 01/09 008171 Manual Entry 001 Sale EDC $815.00 US DEM01 5/8/2007 8:50:47 AM 100000001 582-1 5/9/2007 12:01:16 AM 035 Visa ************1234 07/09 075047 Manual Entry 001 Sale EDC $65.00 US DEM01 5/8/2007 8:51:03 AM 100000001 582-1 5/9/2007 12:01:16 AM 032 MasterCard ************1234 09/07 055028 Manual EComm 001 Sale EDC $210.00 US DEM01 5/8/2007 8:51:42 AM 100000001 582-1 5/9/2007 12:01:16 AM 023 MasterCard ************1234 11/07 042626 Manual EComm 001 Sale EDC $125.00 US DEM01 5/8/2007 8:52:00 AM 100000001 582-1 5/9/2007 12:01:16 AM 024 MasterCard ************1234 04/08 T44892 Manual EComm 001 Sale EDC $110.80 REPORT TOTALS $114,875.23 http://demo-pmd.tampa.paymentech.coin/virtra/virtr _ Iltray.aspx (1 of 3)8/9/2007 10:02:57 AM Resource Online I Chase Paymentech Solutions 6 Resource Online Home Instant Merchant Recon Virtual Transaction Alerts Search Solution Manager Card Type Summary View the results of your search below. CHASE CF Paymentech' log out admin bank lookup help submit questions Report Criteria Edit US DEM01 - 1000001 (Corporate) Batch 7/11/2007 - Date: 8/9/2007 Resource Online CHASE ! Card Type Summary US DEM01 - 1000001 (Corporate) Batch 7/1/2007 Date: - 8/9/2007 Best printed in landscape « < Page 1 of 1 > » Go to Page a of 1 Page Size: 25 MERCH NAME REPORTING MERCH # CARD TYPE CNT AMT CURR US DEM01 100000001 American Express 10 $2,001.19 USD Discover 4 $645.00 USD MasterCard 26 $3,748.79 USD Visa 43 $6,022.91 USD Merchant Total: 83 $12,417.89 USD US DEM02 100000002 Paymentech Stored Value 23 ($1,450.00)USD Visa 1 $90.00 USD Merchant Total: 24 ($1,360.00) USD US DEM03 100000003 American Express 12 $19,838.35 Discover 12 $9,101.00 MasterCard 52 $22,778.15 Visa 91 $51,712.55 Merchant Total: 167 $103,430.05 USD US DEM04 100000004 American Express 1 $11.93 USD MasterCard 2 $18.42 USD Visa 26 $116.40 USD Merchant Total: 29 $146.75 USD US DEM05 100000005 Discover 2 $49.77 USD Visa 9 $190.77 USD Merchant Total: 11 $240.54 USD Total forAmerican Express 23 $21,851.47 USD Total for Discover 18 $9,795.77 USD Total for MasterCard 80 $26,545.36 USD Total for Paymentech Stored Value 23 ($1,450.00)USD Total for Visa 170 $58,132.63 USD REPORT TOTALS 314 $114,875.23 USD chasepaymentech.com Privacy Policy I Terms of Use Secure Site © Copyright 2007 , Chase Paymentech Solutions, LLC All Rights Reserved . http://demo-prod.tampa.paymentech.com/virtra/virtra_cartypsumv.aspx (1 of 3)8/9/2007 10:02:27 AM -Rik