Agenda packet — American Canyon City Council, March 17, 2026 (part 2 of 3)

Pass
to find an appropriate solution should
you be unable to operate at your facilities. In that event, you would be able to use one of our electronic banking tools from your designated recovery location(s).

18. Dispute Resolution Process
DESCRIBE YOUR DISPUTE RESOLUTION PROCESS FOR POSITIVE PAY* Pass
The Chase Platinum Business Service Center is available to assist you with day to day banking such as inquiries, research and maintenance related to accounts and services. They have authority to engage all levels of management and escalate when needed.

Client Service has a detailed matrix of contacts and escalation procedures to expedite resolution for each service provided to you.

These procedures also include internal service standards to make sure other Chase groups are providing timely responses. Finally, Client Service works closely with your full relationship team to be sure that everyone supporting you is informed of your relationship activity.

DESCRIBE YOUR DISPUTE RESOLUTION PROCESS FOR PAPER CHECKS* Pass
The Chase Platinum Business Service Center is available to assist you with day to day banking such as inquiries, research and maintenance related to accounts and services. They have authority to engage all levels of management and escalate when needed.

Client Service has a detailed matrix of contacts and escalation procedures to expedite resolution for each service provided to you.

DESCRIBE YOUR DISPUTE RESOLUTION PROCESS FOR PAYMENTS DEPOSITS* Pass
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The Chase Platinum Business Service Center is available to assist you with day to day banking such as inquiries, research and maintenance related to accounts and services. They have authority to engage all levels of management and escalate when needed.

Client Service has a detailed matrix of contacts and escalation procedures to expedite resolution for each service provided to you.

DESCRIBE YOUR DISPUTE RESOLUTION PROCESS FOR OTHER
Pass
The Chase Platinum Business Service Center is available to assist you with day to day banking such as inquiries, research and maintenance related to accounts and services. They have authority to engage all levels of management and escalate when needed.

Client Service has a detailed matrix of contacts and escalation procedures to expedite resolution for each service provided to you.

ARE THERE ANY ESTABLISHED TURN-AROUND TIMES FOR RESEARCH AND ADJUSTMENTS OF ITEMS? * Pass
No

19. Implementation Plan - As part of any conversion, the City requires an efficient transition to the new bank or to enhanced services with its existing bank. PLEASE DESCRIBE THE OVERALL PLAN THE BANK WOULD COORDINATE TO ENSURE SUCH A CONVERSION.* Pass
Yes, the City receives a detailed description of the implementation process, including a Sample Implementation Schedule as in Appendix 8.
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When you begin your relationship with us, we apply our proven implementation approach to implement your new banking services in a structured and efficient manner, with minimal disruption to your business.

Our approach to provide smooth onboarding of new services Your dedicated onboarding specialist remains your single point of contact throughout implementation:

Understands your business objectives and builds a detailed project plan to meet your goals Coordinates with your team and all stakeholders at the bank to provide timely delivery and an excellent experience Provides end-to-end ownership of the process, keeping you fully informed throughout with regular progress meetings and updates.

We view the implementation process as a pivotal phase in our relationship and an opportunity to demonstrate the value of our expertise and consultative capabilities.

Our people dedicated to your success
Your dedicated onboarding specialist earns your trust as an extension of your team. Your specialist delivers expertise in project management and provides deep industry knowledge and experience. 148
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Our technical specialists work with you to develop a comprehensive implementation plan based on your objectives and processing systems. They provide expertise on our market-leading capabilities that simplify complex onboardings. They use proven and structured methodology to make certain highly successful outcomes that are delivered on-time.

PLEASE DETAIL ALL COSTS AND THE RESPONSIBLE PARTY (BANK OR CITY) ASSOCIATED WITH THE CONVERSION OF ALL NEW SERVICES.*
Pass
Please refer to Pro forma Analysis pricing located in Appendix 9.

WHAT SIZE CONVERSION ALLOWANCE WILL THE BANK PROVIDE TO THE CITY? PLEASE STATE A SPECIFIC DOLLAR AMOUNT OR IDENTIFY THOSE SUPPLIES, PRODUCTS, OR SERVICES INCLUDED.* Pass
We will offer the City a twelve (12) month fee waiver for account analysis fees only. The waiver is effective at the inception of the initial contract term.

BASED ON THE INFORMATION PROVIDED IN THE RFP AND YOUR FIRM'S KNOWLEDGE OF THE PUBLIC SECTOR, PLEASE DESCRIBE ANY

SERVICES OR TECHNOLOGICAL ENHANCEMENTS, NOT PREVIOUSLY MENTIONED, THAT SHOULD BE CONSIDERED FOR FURTHER IMPROVING EFFECTIVENESS OF THE CITY'S TREASURY MANAGEMENT OPERATIONS.

Pass
Our particular expertise lies in adapting and aligning our vast breadth of solutions to the specific operating requirements and environments of our clients.

We accomplish this by listening to our clients and developing an understanding of their operating environments. We then construct a to consider additional operational
improvements.
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It is our intent to bring this same approach to the City as we endeavor to strengthen and grow our relationship. The services below are proposed to augment and complement the requirements included in the RFP. Each of these services is incremental to the solutions presented in the body of our response. Pricing for these services will be provided upon request.

Value-added optional product and services
Merchant Services
Vault
Commercial Card
PaymentNet
Virtual Card
J.P. Morgan Embedded Solution for Excel
J.P. Morgan Access Data Download
J.P. Morgan Access H2H Reporting
Scannable lockbox
Smart Safe
End of Day Investment Sweep
Merchant Services
JPMorgan Chase & Co. (NYSE: JPM) is a leading global financial services firm with assets of $4.6 trillion and operations in over 100 markets. We have over 300,000 employees that serve millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients. For more information regarding the Firm, see www.jpmorganchase.com. Merchant Services is a trusted industry leader in payments processing and a critical line of business under our Chase Payments group, helping cli
organizations like the City implement and advance more secure and efficient payments programs that matter most to your customers, while establishing an optimum processing environment to help you streamline operations and optimize the cost of doing business.

Our market leadership is more than just numbers. We actively participate in industry and regulatory initiatives, and we are a leading institution in the development of international industry standards. We hold important positions on committees that shape the course and direction of each market where we provide customer payment solutions and pass the benefits of this influence and experience on to our clients.

Our global merchant processing volume for 2024 was more than $2.61 trillion and comprised of clients across a broad range of industries, segments and locations. Our proprietary platforms enable us to offer the City integrated solutions for all major payment 150
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types from credit and debit processing to digital, alternative and mobile payment options. We support a variety of point-of-sale and card-not-present environments while providing security and reliability and a full spectrum of payments services we can tailor to meet your objectives.

Vault
The City will benefit from lower cost pricing, quicker funds availability, increased safety of your staff and internal operational efficiencies with our vault services. The City would contract with an armored courier to drop off deposits at over 100 of our vault locations. We recommend the City use our Dallas/Fort Worth vault location.

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 one of the largest depository banks in the United States, We are dedicated 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 over 100 our cash vaults.

Your selected armored courier will pick up your deposit bags and deliver them to our Dallas/Fort Worth cash vault site. The deposits will be processed and credited to your account by cash vault processing specialists using our advanced equipment.

If we receive your deposit prior to your established local cutoff time (5:00 p.m. for cash-only and 5:00 p.m. CT for mixed deposit at the Dallas/Fort Worth vault), we will provide provisional same-day ledger credit, allowing for cash deposits to be converted into usable funds on the same day. Coin deposits greater than $10 may credit your account on a delayed basis.

Your cash-only deposit transactions will post to your designated demand deposit account (DDA) with the deposit bag number and deposit ticket date to assist with your reconciliation. Verification of the cash will occur within 48 hours.

Should any discrepancies arise, you can request an email notification of adjustment information, a mailed advice on the day following verification or access to our Web Currency Services portal to view your account detail. The choice is made during implementation.

Adjustments will post electronically to J.P. Morgan Access and to 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.

Commercial Card
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Use our One Card solution to benefit the City in several ways.

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Improve supplier relationships
Improve cash flow through faster payments
Simplify accounts receivable (A/R) processes
Experience savings on credit and collection costs
Benefit from working capital gains through improved Days Sales Outstanding (DSO) Increase control, flexibility and security
Receive real-time online program controls, including merchant category code (MCC) restrictions Create account limits by transaction type (dollar limits, activity limits, cash advances, etc.) Improve employee convenience with acceptance at more than 98,889,811 million locations Access experienced professionals that help set up your program Choose options for central or individual billing
Provide employees with traveler insurance and assistance Benefit from liability waiver protection against fraud and employee misuse PaymentNet
We offer the City PaymentNet, our fully hosted online solution that requires no client-side software and is accessible from virtually any secure internet browser.

Streamline program management
Automate administration of your card program, simplify cardholder tasks and streamline account reconciliation with PaymentNet.

Be more efficient with the right tool
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No software to install or maintain
-based solution means nothing to install
Our fully-hosted system means we take ownership of hardware platform needs, not you Access PaymentNet on the go with our mobile website great for cardholders, too Handle everyday tasks more quickly and efficiently
Access key information, address core tasks and make payments directly from the home page Make real-time profile changes, adjustments of account controls Reduce the need for repetitive manual effort with mass updates Monitor, analyze and report on your program spend your way Design custom reports to fit your needs--or choose from standard report options Save time and schedule reporting to run automatically
Create and save report queries in a way that meets your needs Create hierarchy structures that meet your business needs Save time and establish defaults to simplify reporting and transaction approval Built-in hierarchy support gives authorized personnel access to a wide range of administrative options Hierarchy structures allow cardholders to benefit from convenient, self-service features Set controls with real-time adjustments to promote adherence to expense policy Enforce spend policies before a transaction is even initiated Limit unauthorized usage while still giving employees exceptional flexibility PaymentNet puts you in control, from the cardholder to the program administrator to the auditor 154
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Gain greater transparency and insights into your program spend Minimize manual tasks while increasing administrative speed and accuracy Provide transparency and accountability to management with a full range of audit trails Get the information you need to enable you to break down and analyze your program spend Use a one-step, paperless process to capture the entire card application Manage each step online from card application to approval to card request within PaymentNet Give program administrators full traceability and cardholders online status of their application Save more time by establishing user access roles for each account during card issuance Upload data to your general ledger to streamline the posting process Populate your general ledger as often as needed, automatically with the latest transaction data Specify different record types, order and sorting based on your system requirements Eliminate time-consuming manual input of data into existing general ledgers Maximize control
Get features and functionality not confined to the standard (and often limited) functionality of third-party reporting tools.

Experience a new level of efficiency and control with PaymentNet Figure 6
Simplify account management
Appreciate the user-friendly, intuitive navigation developed by the largest U.S. commercial card bank issuer (Nilson Report, Issue 1243, June 2023).
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Stay current with a snapshot view of your program
Figure 7
Screenshot is for illustrative purposes only. Some features of the dashboard may not be visible depending on the organization and hierarchy settings.

We offer PaymentNet at no charge. To help you get the most out of PaymentNet, we provide comprehensive training for your program administrator, as well as a variety of training options and materials for cardholders and other users.

Your valuable data is protected through industry-proven Transport Layer Security (TLS) encryption technology. All sensitive data is masked, the login process is password protected and security access levels can be configured to help make sure that only authorized City personnel have access to critical information.

Please see Appendix 10 for our PaymentNet Demo information.

Program controls
We offer numerous card controls and key administrative features such as full hierarchy support, real-time adjustments of spend controls online and denial at the point of sale for transactions that do not meet your requirements. program administrator can establish dollar, transaction, merchant category code (MCC) and cash advance limits at any level of your hierarchy: by individual, department or for the entire organization.

Control options by hierarchy level
Figure 8
PaymentNet provides a variety of controls for all level of your organizational hierarchy.

Standard controls available for our commercial cards include:

Dollar limits: Dollar limit controls include cycle spend, transaction amount, daily spend amount, monthly spend, and spend limits by MCC
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Transaction limits: Limits can be placed on the number of transactions allowed per day and per month MCC restrictions: Limits can be applied to MCCs with a dollar amount, transaction value or the number of transactions allowed per day
Cash advance controls: You have the ability to control monthly cash advance amounts or totally restrict the ability to use the cash advance options
Guidance line: Suspends your ability to continue to use the card when the total balance reaches its limit Adjusting account limits
Figure 9
Chase enables program administrators to easily change account limits and velocity controls online.

MCC blocking
The merchant category code (MCC) can be used to block merchants and set card limits. The City specifies acceptable and restricted merchant types and set restrictions for individual cardholders, departments or the entire organization.

Leverage up to 180 MCCs per group in as many as nine MCC groups. MCC groups can have a custom name applied for your internal purposes. Available limits include daily number of transactions, daily spend amount and monthly number of transactions. We can also place boundaries by MCC group to determine how much a cardholder can spend at a group of merchants. This MCC group limitation can be restricted by daily number of transactions, transaction amount and monthly spend.

As a best practice, clients usually establish templates of MCC groups that apply to different cardholder profiles. We are happy to assist you in opening or blocking MCC groups as needed.

Virtual card
We offer a single-use, multi-authorization, electronic, credit card-based payment method to help the City more efficiently manage payments, reduce costs and transform traditional areas of expense into potential revenue generators. 157
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Gain the flexibility, float and rebate of a purchasing card coupled with powerful payment controls, anti-fraud and reconciliation features of virtual cards.

Virtual cards are equal to the approved payment amount. There is just one account per payment to help make sure the merchant only has access to approved funds for a specific payment.

Virtual card reconciliation is based on matching four key elements of purchase payments to transactions: account number, validity dates, dollar value and merchant category code (MCC). When these items match, reconciliation occurs automatically, and you gain further efficiencies by integrating into your ERP system.

J.P. Morgan Integrated Solution for Excel
populating spreadsheets to help them monitor their cash position and analyze trends. This process can be burdensome and error prone.

The J.P. Morgan Integrated Solution for Excel spreadsheet plugin makes the process more efficient, flexible and accurate. Integrated with our online portal, it provides a single view of your account information across your banking relationships.

Key features and benefits
Gain greater accuracy and control: Refresh balance, transaction and payment/receipt information as needed Save time: Initiate payments/receipts directly from your spreadsheet Make research fast and easy: View balance, transaction and payment/receipt details directly from the spreadsheet Save historical data: Create history reports to analyze cash flow trends Gain complete visibility when you need it: Add exchange rates to a pre-existing spreadsheet How it works
After installing the Integrated Solution for Excel plugin through Microsoft Excel, the City can quickly and easily create a custom t tell Embedded
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spreadsheet form.

Either way, the City will benefit from the convenience, and gain more control with the automation provided by Embedded Solution for Excel.

Fully customizable functionality: Select templates, spreadsheet layouts, account, transaction types and in-flight - Build a custom setup specifically for your operational needs and ongoing efforts Provides you real-time data with one click
Initiate payments and receipts: Save time by initiating payments/receipts directly from your spreadsheet.

Historical data for trend reporting: Create history reports with 45 or more days of past balance and transaction data. Use these reports to analyze trends for any period you choose.

Powerful security: Our robust security protocol is designed to help protect your privacy, preserve data authenticity and maintain strong operational controls. Your staff will find managing user settings easy, which they can adjust to make sure they have access to the right functionality and information.

Help if you need it: integrated Solution for Excel is designed to work the way you do, helping manage your daily workflows more efficiently. Most clients are up and running with little or no learning curve. However, should you need help, a full range of support materials is available through J.P. Morgan Access Help. The help tool offers clients a single location for product and service-related content providing a full range of documents and training material from quick start guides, to webinars and online training modules.

Sample Integrated Solution for Excel page
Figure 10
J.P. Morgan Access Data Download
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Use the Data Download feature of the banking portal to reconcile accounts or perform extensive research on check activity. Data Download allows you to download disbursement transaction detail information in a 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 only have paid, stop payment and return transactions reported.

To meet your reporting needs, determine filters from these options:

Account number
Transaction status category
Date paid
Effective date
Each request is tracked and delivered in your inbox on the online portal.

With activation of reconcilement service, you incur a monthly maintenance fee on your account analysis statement.

File Transmission Reporting
Our File Transmission Reporting solution helps automate the delivery of account information to your ERP or treasury workstation system, expediting daily cash positioning, payment monitoring and reconcilement. Balance and transaction reports are generated automatically for all of your accounts (based on time or event triggers) held with Chase. You may also receive multibank reporting for your U.S. accounts held at other banks.

File Transmission Reporting supports a variety of file formats for current-day and prior reports that integrate directly with your ERP or treasury workstation system, including:

BAI2/BTRS
ISO 20022 camt.052/053/054
Swift MT940/942
ASC EDI X12 821
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CSV
We will be able to provide reporting data to you via a number of industry-standard transmission options, including:

Internet protocols
SFTP
HTTPS
AS2
SwiftNet FileAct
EBICS
You can choose from configurable settings that customize the file delivery, content, format, and/or schedule of each file. In addition, if using the online portal, your system administrators are able to entitle users who manage transmissions to run new ad hoc files and resend old files for all formats or route BAI2 or CSV files to their Reports Inbox.

How you benefit
Simplifies cash positioning and transaction reconcilement Enables straight-through processing of account details into ERP or treasury workstation systems to expedite daily cash position and reconcilement
Global visibility of cash across Chase and non-Chase accounts to more effectively manage liquidity and cash flows Enables decentralized organizations with disparate workstations to achieve automation goals and allows different departments to receive a subset or all of the data
Industry standard formats with the flexibility of configurable options to match client format requirements Monitor your transmissions and run ad hoc files and resend requests in J.P. Morgan Access Enables payables reconciliation with ACH item level reporting for aggregate settlement in BAI and ISO formats Receivables and advising reports
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Our File Transmission Reporting solution also offers a receipt processing service that consolidates remittance data from incoming payments into a single, file-based report.

How you benefit
Simplifies the receivables process reduces cost and resources Reporting solution for ANSI EDI payment clients
Facilitates reconciliation of ACH, wire, and/or lockbox payments delivered within a single format, including remittance data Flexible reporting options for information on both paper and electronic receipts Provides reporting on remittance detail not attached to transaction, rather sent directly to Chase Remittance detail does not need to be received by trading partners enabling standardization of formats and processes Option to re-associate split payment and remittance information Reports available
The following reports are available through File Transmission Reporting:

Reports delivered
Report type Description Format
Statement reporting options
Balance and Transaction Detail Prior Day
Incremental
Available for all accounts globally
Includes all posted prior-day
transactions that were stored since
the last time a file was sent to the
client
ISO 20022 v2,
Swift MT940,
BAI2, OFX and CSV
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Balance and Transaction Detail Current Day
Cumulative
Available for all accounts globally
Includes current day balances as of
the time the file was created plus any
transactions that have occurred that
business day
ISO 20022 v2m,
Swift MT942,
BAI2 and CSV
Balance and Transaction Detail Current Day
Incremental
Available for all accounts globally
Includes only accounts that reflect
new balances and/or transactions
since the last time a Current Day
Incremental file was sent to the
client
ISO 20022 v2,
Swift MT942,
BAI2 and CSV
Receivables and advising options
Payment Order/Remittance Advice
Available for U.S. and Canadian accounts
Includes ACH and Wires plus
addenda information (not checks)
May be used for remittance reassociation and with Receivables Online
EDI 820
Balance and Transaction or CDA
Available for U.S. and Canadian accounts
Includes full Balance and Transaction
reporting details, not just receivables
Includes Controlled Disbursements
EDI 821
Account Analysis
Available for U.S. accounts
Includes monthly account analysis
billing data
EDI 822
Check, ACH and Wire Data
Available for U.S. and Canadian accounts
Includes lockbox with the option to
include ACH and wire transaction
and addenda information
EDI 823
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Host-to-Host Reporting self-service in J.P. Morgan Access Users entitled to Host-to-Host Reporting in J.P. Morgan Access by your security administrators have the ability to perform some reporting tasks through the self-service experience including:

Create new report setups. (Your client service associate will need to tie the new File Locator ID to your existing file transmission Partner ID/User ID.)
Edit existing report setups:

Add/remove accounts from reports that are already set up for transmission. (Your relationship team will be engaged to add select.)
Add/update schedules.

Test new or existing file transmissions report setups without connectivity.

Run reports on-demand.

Resend a report that was previously sent.

Create a report setup
Figure 11
The Host-to-Host Reporting self-service functionality supports a variety of file formats for current-day and prior reports, including: ISO XML, BAI/BTRS, Swift MT94x, EDI 821 and CSV.

Scannable Lockbox
Scannable Lockbox, also known as Retail Lockbox, is a solution powered by Receivables Online, which allows you to direct payments to one of our local processing centers where coupon-based payments are automatically collected, processed and deposited into your Chase bank account.
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Speed up receipt of payments: By combining aggressive check clearing schedules and automated lockbox processing technology
Reduce processing costs: Save time and money with standardized coupon processing to help eliminate hours of manual entry and lower overhead costs
Improve payment reconciliation: Cash application is simplified by combining lockbox and other payment types in a consolidated receivables file
Remote Cash Capture
We offer a Remote Cash Capture solution for the City to receive daily deposit credit for cash placed into a smart safe or cash recycler located on site at your business. Both types of safes incorporate U.S. dollar validation, counterfeit detection and software capabilities to provide online reporting. Our solution allows clients to contract and lease safes from Brinks, Loomis or Garda.

The efficiencies gained using Remote Cash Capture allow the City to eliminate time-consuming deposit preparation of cash, freeing staff to spend more time on other tasks. And advanced credit means we post deposit credit each day without daily armored vehicle service to the bank.

We recommend that the City meet with our approved armored courier providers to understand the Remote Cash Capture solution that is right for your operations. These providers review the equipment options, placement, capacity and related pricing with you to help determine a solution that meets your needs.

End of Day Investment Sweep
As a leading liquidity solutions provider, we offer automated end-of-day investment sweeps to help you efficiently invest account balances, maintain full intraday liquidity and meet investment guidelines. With a wide range of investment options available, ng
accounts.
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Innovation: We continuously strive to maintain our position as a global leader in cash and liquidity management. We have invested in our global liquidity platform to deliver a broader selection of capabilities, more reliable service and a consistent client experience.

Convenience: Our automated investment sweeps can provide convenience and greater investment efficiency. Funds are investing all or
part of your daily balances.

The City can use our breadth of services, reputation, and financial strength and stability to help build upon the efficiency and value of your own cash management operation.

Sweep options
J.P. Morgan Money Market Funds (MMF)
Funds J.P. Morgan U.S. Government Money Market Fund
J.P. Morgan U.S. Treasury Plus Money Market Fund
Share Class Morgan
Exposure See prospectus for the specific fund selected.

Rating*
Sweep Type End-of-day
Timing Last transaction of the business banking day.

Return of Funds The morning of the next business day.

Interest/Dividends Dividends accrued daily paid monthly based on 365 day basis.

Current Yields Please refer to Appendix 12
Restrictions/Comments Additional fund information, as well as the fund prospectus can be found at:
www.jpmgloballiquidity.com.
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ngs are
solely the opinions of the rating agencies. Chase does not endorse, and accepts no responsibility for, the credit ratings issued by the rating agencies. Credit ratings may be changed, superseded or withdrawn by the rating agencies at any time.

No cost services
In addition to our value-added services, we strongly believe in delivering value without charging clients additional costs to use our services. The table below illustrates that commitment.

No cost services via our online portal
Notifications Event notifications, including Payment Needs Repair, Transaction Completed, Balance Threshold, User Pending Approval and many more (over 50) to help manage your accounts.

Integrated Solution for Excel A fully-integrated cash management tool using Excel.

Allows online portal users to auto-populate their own spreadsheets with balances and transactions, as well as initiate payments from their spreadsheets.

Transaction Services Provides 7 years of wire details for both incoming and outgoing USD wires.

Transaction Services Offers 15 months of historical ACH transaction information on all ACH originated and received payments.

Mobile Provides authorized users with mobile access to account activity, ability to deposit checks and approve wires, account transfers and book transfers payments.

Help Center The City is invited to join training webinars found online in the Access Help Center. Our webinars are live facilitator-led web conferences that include question and answer sessions that allow full participation between the audience and the presenter.

You can register for training webinars via Access Help Center.

Online bank statements Provides retention for 7 years of bank statements. 167
[JPMORGAN CHASE BANK, N.A.] RESPONSE DOCUMENT REPORT
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Request for Proposals for Banking Services
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Host-to-Host Online file
management
View transmitted files, add workflow (approvals), generate reports and upload files through our online portal. Email notifications provide status on receipt, delivery, availability, or failure of a file transmission
J.P. Morgan Payments Insights app
We also offer our Payments Insights app, which provides timely and relevant payments news and thought leadership.

Our Payments Insights app makes it easy for treasury, payments, marketing and technology professionals to discover the latest digital and connected commerce insights from our experts.

Current and future app features
Client Stories Solution Insights Event Insights
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Download today
Search for J.P. Morgan Payments Insights in the Apple and Android app stores and download today.

APPLE
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ANDROID
Scan with your phone or ctrl + click the QR code
to download from Google Play

5.19.5.Sample Account Analysis Statement
SAMPLE ACCOUNT ANALYSIS STATEMENT*
Pass
Appendix_13._Sample_Account_Analysis.pdf
168
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Request for Proposals for Banking Services
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SAMPLE REPORTS*
Pass
Appendix_4._JPM_Access_Samples_Reports_Guide.pdf
FINANCIAL STATEMENTS AND RATINGS*
Pass
Resolute_Annual_Report_2024.pdf

20. Optional Proposal Upload

OPTIONAL PROPOSAL UPLOAD - PDF
Pass
You may upload a copy of your proposal if you wish to also submit a PDF version.

Chase_CityofAmericanCanyon_final.tg.pdf

PRICE TABLES

BALANCE AND COMPENSATION INFORMATION AND GENERAL ACCOUNT SERVICES Line Item Description City's Avg
Per Month
Fire District
Avg per Month
Quantity Unit of
Measure Unit Cost Total
1 Deposit Insurance Charge 2393 1028 1 Unit Price $365.53 $365.53 2 Account Maintenance
2 Unit Price $25.00 $50.00
TOTAL $415.53

LOCKBOX SERVICES
169
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Request for Proposals for Banking Services
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Line Item Description City's Avg
Per Month
Fire District
Avg per Month
Quantity Unit of
Measure Unit Cost Total
3 Lockbox Monthly Fee 1 0 1 Unit Price $300.00 $300.00
4 E-Lockbox Monthly Fee 1 0 1 Unit Price $100.00 $100.00 5 Lockbox Scan Imaging 1436 0 1 Unit Price $0.00 $0.00
6 E-Lockbox ACH Items 707 0 1 Unit Price $106.05 $106.05 7 Lockbox Items 651 0 1 Unit Price $553.35 $553.35
8 Lockbox Items without Remittance 102 0 1 Unit Price $0.00 $0.00 TOTAL $1,059.40

REMOTE DEPOSIT CAPTURE
Line Item Description City's Avg
Per Month
Fire District
Avg per Month
Quantity Unit of
Measure Unit Cost Total
9 Remote Deposit Capture Monthly Fee 1 1 1 Unit Price $20.00 $20.00 10 Remote Deposit Capture Items 326 19 1 Unit Price $51.75 $51.75 11 Monthly Scanner Lease Cost 1 1 1 Unit Price $0.00 $0.00 12 Purchase Cost of Scanner 1 1 1 Unit Price $600.00 $600.00 TOTAL $671.75

DEPOSITORY SERVICES
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Request for Proposals for Banking Services
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Line Item Description City's Avg
Per Month
Fire District
Avg per Month
Quantity Unit of
Measure Unit Cost Total
13 Credits and Deposits 103 11 1 Unit Price $114.00 $114.00 14 Coin/Currency Deposited 31307 65 1 Unit Price $15.50 $15.50 15 Checks Deposited 963 28 1 Unit Price $220.00 $220.00 16 Check Return Item 2 0 1 Unit Price $0.00 $0.00
17 Armored Car Service - Pickup Days 12 0 1 Monthly
Fee
$0.00 $0.00
TOTAL $349.50

PAPER DISBURSEMENT SERVICES
Line Item Description City's Avg
Per Month
Fire District
Avg per Month
Quantity Unit of
Measure Unit Cost Total
18 Checks and Debits Paid 194 27 1 Unit Price $26.52 $26.52 19 Deposit Slips Booklet 0 0 1 Unit Price $0.00 $0.00
20 Stop Payment 0 0 1 Unit Price $25.00 $25.00
TOTAL $51.52

POSITIVE PAY SERVICES
Line Item Description City's Avg
Per Month
Fire District
Avg per Month
Quantity Unit of
Measure Unit Cost Total
21 Positive Pay Monthly 1 1 1 Unit Price $52.00 $52.00
171
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Line Item Description City's Avg
Per Month
Fire District
Avg per Month
Quantity Unit of
Measure Unit Cost Total
22 Payee Positive Pay Monthly 1 1 1 Unit Price $0.00 $0.00 23 Positive Pay Items 194 27 1 Unit Price $16.58 $16.58 24 Payee Positive Pay Items 194 27 1 Unit Price $2.21 $2.21 TOTAL $70.79

ACH SERVICES
Line Item Description City's Avg
Per Month
Fire District
Avg per Month
Quantity Unit of
Measure Unit Cost Total
25 ACH Received Debit/Credit 283 39 1 Unit Price $32.20 $32.20 26 ACH Origination Return Item 1 0 1 Unit Price $1.00 $1.00 27 ACH Item 1-100 100 50 1 Unit Price $0.00 $0.00
28 ACH Item 101-500 399 0 1 Unit Price $39.90 $39.90
29 ACH Item 501-1000 74 0 1 Unit Price $7.40 $7.40
30 ACH Origination 1 1 1 Unit Price $29.00 $29.00
31 ACH Files 10 2 1 Unit Price $0.00 $0.00
TOTAL $109.50

WIRE TRANSFER SERVICES
172
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Line Item Description City's Avg
Per Month
Fire District
Avg per Month
Quantity Unit of
Measure Unit Cost Total
32 Incoming Wire 1 0 1 Unit Price $5.00 $5.00
33 Outgoing Wire 1 0 1 Unit Price $5.00 $5.00
TOTAL $10.00

ELECTRONIC BANKING SERVICES
Line Item Description City's Avg
Per Month
Fire District
Avg per Month
Quantity Unit of
Measure Unit Cost Total
34 Online Banking Services Monthly 1 0 1 Unit Price $20.00 $20.00 35 Online Banking Services Add'l Account 0 1 1 Unit Price $10.00 $10.00 TOTAL $30.00

OTHER ITEMS NOT LISTED
Please upload separate sheet for additional items
Line Item Description Quantity Unit of
Measure
Unit Cost Total No Bid
36 Additional Item 1 Unit Price $0.00 $0.00
TOTAL $0.00
173
174
175
176
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.

RTs will be returned if retired by the Federal Reserve Bank 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.

J.P.Morgan Remote Deposit Capture - (VR-RDC)
Availability Schedule Policy
177
Availability is shown in Current Day Cycle
Groupings Description Deadline* Avl Fraction
JPMC Nationwide On Us See "Summary" page 10:00 PM 0 100% JPMC Nationwide Controlled Disbursement See "Summary" page 10:00 PM 1 100% 0000-0020, 0119, 0800 Postal Money Orders 10:00 PM 1 100% 0000-0051 US Treasury 10:00 PM 1 100%
0000-9000 Savings Bonds 10:00 PM 1 100%
All others Domestic Institutions 10:00 PM 1/2 95%/5%
*Deadlines are Eastern Standard Time

CONFIDENTIAL
© 2022 J.P. Morgan, All rights reserved.

J.P.Morgan Remote Deposit Capture - (VR-RDC)
178
Summary
JPMC Nationwide On Us RTs
0210 0002 0440 0003 0750 0001 1130 0767
0210 0012 0519 0036 0830 0013 1221 0002
0211 0036 0610 9238 1020 0101 1232 7197
0212 0233 0654 0013 1030 0064 1240 0154
0212 0271 0710 0001 1070 8955 2631 8986
0212 7272 0710 0077 1110 0061 2670 8413
0213 0046 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
JPMC Nationwide CD RTs
0213 0937 0441 1544 0724 1292
0220 0084 0652 0475 0759 0272
0311 0026 0719 2322 1113 0088
179
Account Analysis
Statement Guide
(Portrait Format)
This guide is intended to provide information to help you understand each section of your Account Analysis statement(s).

All balance terms, column headings and summary line items are defined in detail with clear cross references.
180
J. P. M O R G A N S T A T E M E N T G U I D E
Table of contents

1. Introduction .......................................................................................................... 2

2. Statement Information and Balance Analysis .................................................... 3

3. Service Analysis................................................................................................... 5

4. Adjustment Pages – Financial Impacts............................................................... 7

5. Adjustment Pages – Balances, Volumes and Pricing........................................ 8

All services are subject to applicable laws and regulations and service terms. Not all products and services are available in all geographic areas. Eligibility for particular products and services is subject to final determination by J.P. Morgan and/or its affiliates/subsidiaries. 181
2 J. P. M O R G A N S T A T E M E N T G U I D E

1. Introduction
Each month, you will receive a detailed Account Analysis statement for your account. If you have multiple accounts, you will receive a summary Account Analysis statement for your entire billing relationship in addition to a detailed Account Analysis statement for each individual account. 182
3 2. Statement Information and Balance Analysis
Statement Information

1. Account Number/Group
Account Number: The
demand deposit account
(DDA) number for this
statement. For groups, the
account number designated
to represent a group of
accounts in a relationship.

2. Page Numbers: Each page
of the analysis is numbered
consecutively and also
reflects the total number of
pages in the entire
statement.

3. Statement Period: The
beginning and ending date
of the statement.

4. Contact: Your J.P. Morgan
relationship manager or the
department managing your
relationship.

5. Account Number: The
number of the individual
DDA or group account
number detailed in the
Balance Analysis section.
1 2
3 4
5 6
7 8
9 10
11 12
13 14
15 16
17 18
183
4 J. P. M O R G A N S T A T E M E N T G U I D E
Balance Analysis
Provides a summarized view of
the balances, service charges,
and earnings allowance applied
to your account.

6. Average Ledger Balance:

The sum of the daily ending
ledger balances (positive
and negative) divided by the
number of days in the
statement month.

7. Less Average Float: The
difference between the
Average Ledger Balance
and the Average Collected
Balance.

8. Average Collected
Balance: The sum of the
daily ending positive and
negative collected balances
for the statement month,
divided by the number of
days in the month.
[Average Ledger Balance -
Average Float]

9. Average Negative
Collected Balance: The
sum of the daily ending
negative collected balances,
divided by the number of
days in the statement
month.

10. Average Positive
Collected Balance: The
sum of the daily ending
positive collected balances,
divided by the number of
days in the statement
month.

11. Less Reserve
Requirement: The portion
of the DDA balance that
must be set aside by the
bank to meet reserve
requirements.

Note: Not currently in use
by the Bank.

12. Average Investable
Balance: The balance on
which the earnings credit
rate is applied.

13. Less Balance Required:

The balance required to
offset the current statement
month’s balance
compensable service
charges.

14. Excess (Deficit)
Investable Balance: The
excess or deficit in balances
remaining after the
balances required to offset
the current statement
month’s balance
compensable service
charges have been
deducted.
[Average Investable Balance –
Balance Required]

15. Net Collected Balance
Position: The net collected
balance position is the sum
of the Excess (Deficit)
Investable Balance and the
reserve adjustment (where
applicable). For deficit
balances, this is the
additional positive collected
balance that would have
been required to offset all
service charges for the
statement month.

16. Earnings Credit
Allowance: The value of
the investable balances
maintained during the
statement month, which can
be used to offset balance
compensable service
charges.
[Average Investable Balance x
Earnings Allowance Rate x
(Days in Mo./Days in Yr.)]

17. Total Charge for Services:

The sum of the charges for
services rendered. This
amount is detailed in the
Service Analysis section.

Net Charge for
Services: Amount due
for services after
deducting the total
charge for services from
the earnings credit
allowance where the
result is negative.

Net Service Credit:

Amount of excess credit
remaining after the total
charge for services has
been deducted from the
earnings credit
allowance where the
result is positive.

18. Service Charge Amount:

The net charge (total
service charge after offset
of earnings allowance)
which will be debited from
the DDA you have
specified.
184
5 3. Service Analysis
Service Analysis
Details the services used in the
statement month by product
category.

19. Service: The name of the
services used. Services are
grouped by product
category.

20. Number of Units: Number
of transactions.

Unit Price ($): The price
per unit of service.

Charge for Service ($):

The charge for each
service.

Balance Required ($): The
balance required to offset
the statement month’s
Total Charge for Services
($): The total of all service
charges for the statement
month.

Summary of Accounts: A
list of account numbers that
1 2
3 4
5 6 7 8 9
10 19 20
21 22 23
24 25
185
7 4. Adjustment Pages – Financial Impacts
Adjustment Pages – Financial Impacts
Summarizes the overall financial
impact of adjustments by
statement month.

26. Financial Recap: The
impact of adjustments to the
net service charge for each
impacted billing period.

27. Billing Account: The DDA
account number that is
assessed with the net
service charge amount.

28. Cycle Date: The month and
year of the adjusted
historical period.

29. Settlement Date: The date
service charges were due.

30. Previous/Adjusted Net
Charge for Service: The
service charge previously
reported on the statement
and the adjusted charge.

31. Net Charge/Credit for
Service Adjustment
Amount: The difference
between the Previous and
Adjusted Net Charge for
Services.

32. Historical Adjustment
Summary: The impact of
adjustments during this
cycle to balances, service
charges and earnings
allowances.

33. Rate Previously/Adjusted
Reported: The rate
previously reported on the
statement and the adjusted
rate.

34. Balance Information
Previously/Adjusted
Reported: The balance
values previously reported
on the statement and the
adjusted balance values.

35. Adjusted Accounts
Included: The DDA to
which adjustments have
been applied.
1 2
3 4
5 6 7 8 9 10
11 11
26 27
28 29 30
31 32
33 34
186
8 5. Adjustment Pages – Balances, Volumes and Pricing
Adjustment Pages – Balances, Volumes and Pricing
Details the back-valued
transactions, volume and pricing
adjustments made to each
account and the resulting impact
to net charges for services.

36. Adjusted Cycle Date: The
statement month and year
of the adjusted historical
period.

37. Account Number: The
DDA to which a balance
adjustment has been
applied.

38. Date Posted: The date the
balance adjustment was
processed.

39. Start Date: The first date
during the month reported
that the balance adjustment
is effective.

40. End Date: The last date
during the month reported
that the balance adjustment
is effective.

41. Collected Balance
Adjustment Amount: The
dollar amount of the
balance adjustment.

42. Impact to Average
Balance: The balance
adjustment amount
multiplied by the number of
effective days and divided
by the total number of days
in the statement month.

43. Impact to Earnings
Allowance: The amount
that is added or subtracted
from the Earnings Credit
Allowance as a result of this
balance adjustment.

44. Impact to Net
Charge/Credit for
Services: The amount that
is added or subtracted from
the Net Charge/Credit for
Services as a result of this
balance adjustment.

45. Original: The unit price,
number of units and charge
for services last assessed.

46. Adjusted: The adjusted unit
price, number of units and
charge for services.

47. Impact to Net
Charge/Credit for
Services: The amount that
is added or subtracted from
the Net Charge/Credit for
Services as a result of this
volume/pricing change.
36 37
38 39 40
41 42 43 44
45 46
47 187
9 J. P. M O R G A N S T A T E M E N T G U I D E

6. Account Analysis Definitions and Formulas
This listing of terms and
definitions is provided so that
you can easily review how the
Account Analysis figures were
calculated.

Average Collected Balance:

The Average Ledger Balance
minus the Average Float
balance.
[Average Ledger Balance – Average
Float]
Average Float: The difference
between the Average Ledger
Balance and the Average
Collected Balance.
[Average Ledger Balance – Average
Collected Balance]
Average Investable Balance:

The balance on which the
Earnings Credit Rate is applied.

Average Ledger Balance: The
sum of the daily ending ledger
balances (positive and negative)
divided by the number of days in
the statement month.

Average Negative Collected
Balance: The sum of the daily
ending negative collected
balances divided by the number
of days in the statement month.
[Average Collected Balance –
Average Positive Collected Balance]
Average Positive Collected
Balance: The sum of the daily
positive collected balances for
the month divided by the number
of days in the statement month.
[Average Collected Balance +
Average Negative Collected
Balance]
Average Year to Date: The
balance analysis line
calculations averaged for the
calendar year. When an account
is opened during the year, this
column represents the average
since the account was opened.

Balance-Based Service
Charges: Service charges that
can be offset by the earnings
credit allowance.

Balance Required: Balance
required to offset the statement
month’s balance-based service
charges.
[Total Charge for Services / Earnings
Credit Rate x (Days in Yr./ Days in
Mo.)]
Balances Brought Forward:

For accounts on a settlement
cycle other than monthly, the
amount of the excess balances
carried over from prior month(s)
to be accumulated within the
current month.

Charges Brought Forward: For
accounts on a settlement cycle
other than monthly, the amount
of service charges carried over
from prior month(s) to be
accumulated within the analysis
cycle.

Charges Taken Forward: For
accounts on a settlement cycle
other than monthly, the amount
of service charge accumulated
thus far which will be carried
over to the next month.

Earnings Credit Allowance:

The value of investable balances
maintained during the statement
month which can be used to
offset balance compensable
service charges.
[Average Investable Balance x
Earnings Credit Rate x (Days in Mo./
Days in Yr.)]
Earnings Credit Rate: The rate
used to value the Average
Investable Balance.

Excess (Deficit) Earnings
Allowance: Difference between
the Earnings Credit Allowance
and the Balance-Based Service
Charges.

Excess (Deficit) Investable
Balance: The excess or deficit
in balances remaining after the
balances required to offset the
current month’s balance-based
service charges have been
deducted.

Fee-Based Service Charges:

Service charges that cannot be
offset by the earnings credit
allowance.

Impact to Average Balance:

The balance adjustment amount
multiplied by the number of
effective days and divided by the
total number of days in the
period.

Impact to Earnings Allowance:

The amount that is added or
subtracted from the Earnings
Credit Allowance as a result of
balance adjustments.

Impact to Net Charge/Credit
for Services: The amount that is
added or subtracted from the
Net Charge/Credit for Services
as a result of any adjustments.

Net Charge for Services: The
amount due for services after
deducting the Total Charge for
Services from the Earnings
Credit Allowance.

Net Service Credit: Amount of
excess credit remaining after
deducting the Total Charge for
Services from the Earnings
Credit Allowance.

Service Charge Amount:

Service charge that will be
debited from the DDA you have
specified.

Settlement Date: When the
analysis billing period is greater
than one month, the day for
which the analysis billing cycle
will be complete. For example, a
quarterly billing cycle may have
a settlement date of March 31
on the January analysis
statement.

Total Charge for Services:

Sum of the charges for services
rendered.

Total Net Services: The net
charge for services, plus or
minus balances/charges brought
forward.

Unit Price: Price per unit of
service.
188
P
189
190
2T P P2T
191
34T 34T
34T 34T
34T 34T
34T 34T
34T 34T
34T 34T
34T 34T
34T 34T
34T 34T
34T 34T
34T 34T
34T 34T
192
34T 34T
34T 34T
34T 34T
34T 34T
34T 34T
34T 34T
34T 34T
34T 34T
34T 34T
34T 34T
34T
34T 34T
34T 34T
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218

5.1. Cover | 1 |

5.1. Cover
December 5, 2025
JPMorgan Chase Bank, N.A. 796 E Shaw Ave, Floor 02, Fresno, CA, 93710 Banking Services
Proposal for
City of American Canyon
219

5.1. Cover | 2 |

DELETE SECTION BREAK BELOW IF REMOVING DIMON QUOTE
“The strength of our company has
allowed us to always be there for
clients, governments and communities – in good times and in bad times – and this strength has enabled us to
continually invest in building our
businesses for the future.”

JAMIE DIMON
Chairman and Chief Executive Officer
JPMorgan Chase & Co.
220
Table of Contents | i |
Table of Contents

5.1. COVER ............................................................................................................................................................... 1

5.2.TRANSMITTAL LETTER .................................................................................................................................... 5 SOLUTION OVERVIEW ............................................................................................................................................ 8

5.3. BANK AND PERSONNEL FILE....................................................................................................................... 13

5.4. REFERENCES ................................................................................................................................................. 19

5.5. GENERAL ACCOUNT INFORMATION........................................................................................................... 20

5.6. COLLATERALIZATION OF DEPOSITS .......................................................................................................... 22

5.7. EARNINGS CREDIT RATES (ECR) & ACCOUNT ANALYSIS ....................................................................... 25

5.8. DEPOSIT SERVICES ....................................................................................................................................... 27

5.9. REMOTE DEPOSIT CAPTURE ....................................................................................................................... 30

5.10. LOCKBOX SERVICES ................................................................................................................................... 34

5.11. CASH TRANSPORTATION ........................................................................................................................... 43

5.12. RETURNED ITEM PROCESSING ................................................................................................................. 44

5.13. AVAILABILITY OF DEPOSITS ...................................................................................................................... 45

5.14. WIRE TRANSFERS ........................................................................................................................................ 47

5.15.10. ONLINE BANK PROCESSES AND INFORMATION REPORTING ......................................................... 55

5.16. POSITIVE PAY SERVICES ............................................................................................................................ 63

5.17. DISASTER RECOVERY................................................................................................................................. 66

5.18. DISPUTE RESOLUTION PROCESS ............................................................................................................. 67

5.19. IMPLEMENTATION PLAN ............................................................................................................................. 68

7. PRICING PROPOSAL ......................................................................................................................................... 89 DOCUMENT REVIEW ............................................................................................................................................. 95 221
Table of Contents | ii |
Appendices
Appendix 1: Community Impact
Appendix 2: Efforts in Solano and Napa County
Appendix 3: Remote Deposit Capture Scanner Guide
Appendix 4: J.P. Morgan Access Sample Reports
Appendix 5: Availability Schedules
Appendix 6: J.P. Morgan Access Technology Checklist.

Appendix 7: Resiliency Letter
Appendix 8: ARP Issue File Layout Sample
Appendix 9: Sample Implementation Schedule
Appendix 10: Pro Forma
Appendix 11: PaymentNet Demo
Appendix 12: Current Yields
Appendix 13: Sample Account Analysis
Appendix 14: Consolidated Service Terms
222

5.2.Transmittal Letter | 5 |

5.2.Transmittal Letter
December 5, 2025
Jem Cruz
Finance Director
4381 Broadway, Suite 201
American Canyon, CA 94503
Dear Evaluation Committee,
Thank you for the opportunity to respond to the City of American Canyon’s (the City) Request for Proposal (RFP) for Banking Services. JPMorgan Chase (Chase) is honored to be considered as your financial provider. We recognize the City’s commitment to operational excellence, fiscal responsibility and service to your community and we are confident that Chase is uniquely positioned to support your goals.

Why Chase?
Proven public sector expertise: We have a long-standing history of serving California municipalities and public agencies, providing tailored solutions that help ensure safety, transparency and efficiency in managing public funds. Our dedicated Government Banking team brings deep experience and a track record of innovation to every client relationship.

Comprehensive, Secure Solutions: We offer a full suite of banking services—including depository, ACH, wire, reconciliation, remote deposit and advanced online banking—designed to streamline your operations, enhance cash management and safeguard City assets. Our robust security protocols and compliance with California Government Code requirements help ensure your funds are protected.

Cutting-Edge Technology: Our online banking platform delivers real-time access to account information, customizable reporting and seamless integration with your financial systems. Our technology empowers City staff to work efficiently, reduce paper and improve auditability.

Exceptional Customer Service: The City will benefit from a dedicated Senior Government Banking Relationship Manager as your single point of contact, supported by a responsive local team. We are dedicated to proactive communication, rapid issue resolution and a ongoing relationship.

Community dedication: We are deeply invested in the communities we serve. With a local full-service branch in Vallejo and additional branches throughout Solano and Napa Counties, we are accessible and ready to support the City’s needs—both day-to-day and in times of emergency.

Competitive, Transparent Pricing: Our proposal features a competitive ECR of 0.84% (fixed for the contract duration), flexible billing options and a waiver of analysis fees for the first 12 months. We are dedicated to delivering value and transparency.
.2.Transmittal Message to
City of American Canyon
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5.2.Transmittal Letter | 6 |
We appreciate the City’s thorough RFP process and the opportunity to demonstrate how Chase can deliver bestin-class banking services. We are fully dedicated to meeting all requirements, supporting your mission and building a long-term, collaborative relationship with the City.

Please feel free to contact me directly with any questions or for further information. We look forward to the possibility of serving as your trusted banking partner.

Kindest Regards,

ERIC MOURADIAN
Vice President, Sr. Relationship Manager,
Government Banking
JPMorgan Chase
(559) 490-0515
[email protected]
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Solution
Overview
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Solution Overview | 8 |
Solution Overview
The City is seeking a financial services provider that can provide industry-leading treasury products to help optimize cash flows and achieve operational efficiencies while providing high quality service. As your bank, our vision for your treasury services is aligned to meet your objectives.

Online banking
Our online portal, J.P. Morgan Access®, represents a simple, intuitive and multi-functional channel that provides rich information and transaction capabilities with a single sign-on to product applications across the Treasury Services product line. Review and manage data, customize treasury activities, initiate payments, coordinate entitlements and manage tasks with a single point of access to cash management.

J.P. Morgan Access is ranked #1 in digital transformation. 2023 Coalition Greenwich Associates Digital Banking Benchmarking ranking Check inquiry: View paid check and deposit ticket details and images in seconds. Search the status of paid checks by check number, check amount, paid date sequence number, payee name or other client defined data. Retrieve single check images or a group of images based on a range.

Stop payments: Execute stop payments and revokes easily. Up-to-the minute check status includes same-day, teller-presented checks and checks presented from other institutions.

Reports: With our online portal, the City may customize and schedule reports from a single page.

Create, delete and run reports from a single location
Create account groups and customize report settings
Schedule reports or allow coworkers to share your customized reports Access transaction details, images, notes and payment history Prior-day and current-day reporting capabilities
Receive notices when scheduled reports are available
Payments: With just a few clicks, you can make payments, create templates, view account balances and customize pages. Features and benefits include:

Manage recurring payments using customizable templates
Easily transfer funds in real-time between your U.S. Chase accounts Process payroll via National Automated Clearing House Association (Nacha) file upload Multi-level security protocols designed to safeguard transactions and information 226
Solution Overview | 9 |
Account reconciliation and fraud prevention solutions
We will provide the City with comprehensive, easy-to-use, internet-based solutions to help you manage disbursement activities, mitigate fraud risk and streamline account reconciliation processes.

Reconciliation input: This account reconciliation processing (ARP) import function makes submitting check-issue files for account reconciliation quick and simple. You can choose to import your check-issue files containing issues, cancels and stop payments in fixed width, delimited or standard XML format Reconciliation output: This ARP output function allows you to retrieve ARP reports, bank statements and data files in seconds. You will no longer have to wait for statements or reports to arrive in the mail.

You may also download ARP files including daily paid-item files or reconciliation files Positive pay: The ability to quickly and accurately make positive pay exception decisions online helps minimize your exposure to check fraud.

Payee verification: Identify potential fraudulent checks and reduce the risk of payee line alterations with this digital comparison and verification technology.

ACH debit block: This service enables the City to specify which companies are authorized to post ACH debits to your accounts, blocking those that are not authorized. The City can also set dollar limit ceilings or block all debits from posting.

Remote Deposit Capture
Remote Deposit Capture provides the City desktop scanning capabilities including the ability to capture checks and full-page documents and deposit directly to your bank account.

Flexible cutoff times as late as 7:00 p.m. PT in the U.S.

View check images online for up to 10 years
Download reports and view images at any time—24/7
Automatic dollar transfer (zero balance account)
Automatic dollar transfer (zero balance accounts) allows the City to physically transfer and/or concentrate balances in one account to another account held in the same location.

Cash concentration transfer is the last transaction of the business day (prior to loan or investment sweep) All excess cash is concentrated in the master account and provides for cover funding of overdraft positions in sub-accounts
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Solution Overview | 10 |
Can be considered for accounts that have late-day transaction activity Allows for “ZBA-like” setup, which is the standard cash concentration structure The ZBA-like flag enables the feature known as check cashing, which facilitates check cashing against sub-accounts at Chase retail branches
Building a case for change
The City is faced with a decision: whether to change banks or maintain status quo. As you review our response, we ask you to think about the following:

The people and the experience: Implementation and service should be nothing short of outstanding. The bank you choose should exceed your expectations in planning, operational accuracy, troubleshooting, communication, sense of urgency, care and kindness.

Thought leadership: The bank you select should employ exceptional people in the industry who have the experience and expertise to apply best practices on a regular basis and keep you abreast of emerging technology and trends.

New and different technology: When you select an institution, you are choosing a bank and its people for the future. You enter a long-term strategic relationship and invest in that institution’s technology of the future. It is important to understand your provider’s budget and roadmap. You should feel confident it has the resources and vision to stay ahead of rapidly changing technologies.

Understanding of culture and vision: You deserve a highly experienced team of treasury experts that understands your needs, culture and vision for the future and the goals of each of your departments—both individually and as a whole.

Conclusion
We are confident that our product capabilities, personal service and public sector expertise are unmatched by our peers and position us to provide you with industryleading value today and in the future.

In closing, we would like to express our strong interest and desire to provide the City banking services. Our proposal is intended to demonstrate our capabilities and to illustrate that by selecting Chase, you are choosing a reliable and conscientious service provider.

We have the experience, the solutions and the people to effectively support the City’s goals. We want and value your business and are honored to serve you.

Thank you for your consideration.

Integrity and quality
These principles, along with
a proven dedication to
exceptional service makes
certain that what matters to
you, matters to us.
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Solution Overview | 11 |
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Solution Overview | 12 |
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Bank and
Personnel File
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5.3. Bank and Personnel File | 13 |

5.3. Bank and Personnel File

5.3.1.Bank Overview - Identify the primary office or branch that the City will be assigned to and where the City will conduct its primary banking business.

Eric Mouradian will be your relationship manager to share new and valuable ideas that provide you present and future benefits. Eric is located at 796 E Shaw Ave, Floor 2, Fresno, CA, 93710 and can be reached at (559) 490-0515 or through email at [email protected].

Provide a general overview of the banks operations, fundamental management, and customer service philosophy, and financial strength.

JPMorgan Chase & Co. (JPMorganChase) is a financial holding company. Its principal banking subsidiary is JPMorgan Chase Bank, N.A. (Chase), a national banking association with branches in 48 states. Here are some other key distinctions we think you should know about us:

Paymentech, LLC, is our payment and merchant services subsidiary.

Our principal nonbank subsidiary is J.P. Morgan Securities LLC, a United States (U.S.) brokerdealer.

The firm’s principal operating subsidiary outside the U.S. is J.P. Morgan Securities PLC, a United Kingdom (U.K.)-based subsidiary of J.P. Morgan—wholly owned by JPMorganChase.

JPMorganChase is a leading global financial services firm with assets of more than $4.6 trillion.

A component of the Dow Jones industrial average, JPMorganChase has its corporate headquarters in New York.

The firm serves millions of consumers in the U.S. and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Additional information about the firm is available at www.jpmorganchase.com. As of September 30, 2025, JPMorganChase has:

Headcount of 315,433 employees worldwide.

Market capitalization of $859 billion.

Deposits of $2.6 trillion.

Loans of $1.4 trillion.

Total stockholder equity of $360 billion.

Tier 1 and total risk-based capital ratios 15.8% and 17.7%, respectively. The ratios presented are calculated under the Basel III Fully Phased-In Approach.
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5.3. Bank and Personnel File | 14 |
Customer Service Overview
Chase uses a hybrid client service model, combining highly trained senior service specialists with an online, self-service portal and access to our Payments Solution Center Access Support.

Platinum Business Service team
The Chase Platinum Business Service Center is available to assist you with day-to-day banking and inquiries.

Staffed with knowledgeable personnel, the service center team is dedicated to delivering timely and efficient support.

Senior service specialists are available Monday through Friday from 5:00 a.m. to 9:00 p.m. PT.

J.P. Morgan Access for self-service
Transaction Services via J.P. Morgan Access is an internet-based, self-service tool that you can utilize to streamline routine inquiries, communicate securely and receive timely support. Transaction Services enables you to initiate inquires and establish automated alerts for wire transfers as well as to access to transaction information.

Payments Solution Center Access support
Our Payments Solution Center Access Support team provides support to you for J.P. Morgan Access-related inquiries, which includes troubleshooting browser, software and scanner issues. They also assist with internet troubleshooting, password resets/unlocks, resolving error messages, etc.

5.3.2.Experience - Describe the bank's direct experience in servicing public sector clients. Please include the information such as the number of nationwide and California public agency clients, the dollar amount of public funds on deposit for each of these categories, and the bank's knowledge of and adherence to the California Government Code and other applicable laws.

The public sector is a key industry segment in which Chase continues to invest. We provide financial solutions such as tax processing and general banking services to more than 2,100 clients at the state and local government levels.

Chase considers information about our clients proprietary and highly confidential. Therefore, we are not at liberty to disclose specific information about any current or former clients. However, some clients have agreed to serve as a reference for this proposal. Please see Section 5.4.

Chase agrees to comply in all material respects with all applicable federal and state laws and regulations, as well as statutes and policies to the extent that they apply to Chase and to the extent required to perform the services requested and except to the extent that failure to do so will not have a material effect on the performance of the services requested.
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5.3. Bank and Personnel File | 15 |

5.3.3.Relationship Management - Identify the size and scope of your California- based public banking unit, banking 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.

There are more than 230 professionals supporting the government industry.

The City can be confident in the Chase team. Part of our commitment to the City is having the appropriate individuals assigned to your relationship team and providing outstanding client service. We take a consultative team approach to building relationships with our clients.

We assign a skilled relationship team, which is made up of professionals with a variety of expertise, who will listen carefully and proactively and will provide targeted ideas to energize your business.

Relationship Executive: Eric Mouradian will serve as the lead relationship contact at Chase. Eric is a highly experienced client advocate and maintains responsibility for the overall relationship with the City.

Cash Management Consultant: Grace Castle will lead the treasury services team and consult with the City on an ongoing basis to maintain exceptional treasury management arrangements specifically tailored to meet the City’s needs.

Brief biographies and contact information for your relationship team are provided on the following pages.

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5.3. Bank and Personnel File | 16 |
Relationship Manager
Eric Mouradian will serve as the lead relationship contact. Eric is responsible for the City’s banking arrangements at Chase and the effectiveness of our team in handling the City’s banking services.

Eric Mouradian
Role Sr. Relationship Manager - Government
Address 796 E Shaw Ave, Floor 2
Fresno, CA 93710
Phone (559) 490-0515
Email [email protected]
Responsibilities
Eric will lead the City’s banking team with a focus on the quality and 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 your 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 your banking relationship Biography
Eric Mouradian manages a Portfolio of Government and Not for Profit clients in the Central Coast and Central Valley.

Eric has over 26 years of experience in financial services, with the last 15 years being in Government and Not-forProfit specialty and 13 years at Chase. He is a graduate of California State University Fresno with a degree in Business Management earing a certificate in Entrepreneurship and a Minor in Armenian Studies. 234

5.3. Bank and Personnel File | 17 |
Cash Management Consultant
Leading the treasury services team, Cash Management Consultant Grace Castle will consult with the City on an ongoing basis to maintain industry leading treasury management arrangements specifically tailored to meet the City’s needs. She will communicate best practices, new solutions and enhancements to products and services.

Grace Castle
Role Cash Management Consultant – Senior
Address 420 Throckmorton St, Floor 4
Fort Worth, TX 76102
Phone 817-856-3181
Email [email protected]
Responsibilities
Grace will assist the City in resolving working capital and efficiency challenges by providing information and offering ideas from our 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 your implementation for successful service delivery Biography
Grace has over 37 years’ commercial bank experience with more than 30 years in cash management. She has expertise in government banking working with local and state government entities as well as Not-for Profit clients.

Grace is currently a member of the Fort Worth Association of Financial Professionals. Grace holds a Certified Treasury Professional designation.

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5.3. Bank and Personnel File | 18 |

5.3.4.Customer Service - Describe how the bank handles problem resolution, customer service, day-to-day banking and treasury management issues. Explain the process for elevating an issue to a higher level to obtain a quick resolution when the day-to-day contact is not responsive.

For day-to-day client service inquiries, use the Chase Platinum Business Service Center. Senior service specialists handle calls, provide solutions and can escalate issues to management as needed. They follow detailed procedures and maintain contact matrices to help ensure quick resolutions. Specialists report to a team lead, who reports to a division leader and can escalate issues through their management chain.

5.3.5.Compliance and Exceptions - Include a statement to confirm the bank's compliance to specific minimum qualifications, listing any exceptions to required services.

Please see the Document Review section for a list of exceptions.

5.3.6.Responsible Banking Description - Describe the bank's responsible banking policies and practices.

Discuss any current efforts, or those that may be implemented in the City of American Canyon, if the bank were awarded the City banking contract. Lastly, describe any other efforts/contributions the bank has made/would make relative to investment in the local community.

Please see Appendix 1 for our Community Impact and Appendix 2 for our Efforts in Solano and Napa County. 236

5.4. References | 19 |

5.4. References
Please provide three (3) references. References should include other California cities of similar size and scope of service utilization as the City of American Canyon. Select both long-standing and recent customers. Include the following information of each reference:

We consider information about our clients proprietary and highly confidential. Therefore, we are not at liberty to disclose specific information about any current or former clients. However, the following clients have agreed to serve as a reference for this proposal:

5.4.1. Reference 1
City of Riverbank
Contact Name Tammy Alcantor
Name of agency City of Riverbank
Address 6707 Third Street Riverbank CA 95367
Telephone Number (209) 863 7112 Email Address [email protected]

5.4.2. Reference 2
City of Atwater
Contact Name Anna Nicholas
Name of agency City of Atwater
Address 1350 Broadway Avenue Atwater, CA 95301
Telephone Number (209) 357 6347 Email Address [email protected]

5.4.3. Reference 3
City of Marina
Contact Name Tori Hannah
Name of agency City of Marina
Address 211 Hillcrest Avenue Mariana, CA 93933
Telephone Number (831) 884-1221 Email Address [email protected] 237

5.5. General Account Information | 20 |

5.5. General Account Information

5.5.1.How many days after the end of the month will the City receive it's bank statements? Benefit from receiving electronic bank statements within two business days after the statement cutoff date and maintained online for up to 7 years.

5.5.2.Are the bank statements available online?
X Yes
No

5.5.3.Does the bank offer ACH blocks or filters?
X Yes
No

5.5.4.If so, please explain
Yes, we offer you protection from unauthorized ACH items.

Protect your account from unauthorized ACH transactions with ACH Transaction Blocking with ACH Positive Pay These services offer protection from third-party organizations who originate ACH transactions against your accounts.

The ACH Transaction Blocking with ACH Positive Pay self-service tool can make a difference
ACH Transaction Blocking is a fraud mitigation solution available in J.P. Morgan Access that allows you to add ACH debit and/or ACH credit block setups at the account level.

Additionally, we offer ACH Positive Pay, a solution that works in conjunction with ACH Transaction Blocking, to review and decision items prior to posting to the protected account.

Benefit from the following with ACH Transaction Blocking with ACH Positive Pay:

Set your blocking criteria
View six months of ACH debit and credit blocked transactions and items for review history online

ACH FRAUD IS ON THE RISE
You decide to “block” or “allow”:

All ACH transactions
Specific originators
By dollar amount
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5.5. General Account Information | 21 |
Entitlements for viewing profiles or setup and maintenance Security administrators can enable or disable dual control and ACH Positive Pay Entitled users have the ability to select multiple ACH Positive Pay exceptions for review and decision prior to transaction posting
ACH blocks and rules can be setup through Payment Control Center. 239

5.6. Collateralization of Deposits | 22 |

5.6. Collateralization of Deposits
The bank is required to collateralize public funds deposits under the California Government Code, Sections 53651 and 53651. Copies of the reports filed with the State of California shall be made available to the City upon request. Please detail the bank's procedures for collateralizing public funds deposits.

5.6.1.What types of securities are issued as collateral? See reporting herein.

5.6.2.Which bank department is responsible for tracking deposits and monitoring collateral? JPMorgan Chase Bank, N.A. (the Bank), through its National Collateral Management Group (NCMG), employs a Bank developed Corporate Collateral Management System (CCM), which provides daily monitoring of deposit balances and security value for collateralization purposes.

5.6.3.What is the bank's current level ($ amount) of California public funds deposits and the related collateral?
We currently hold several billion dollars in public deposits and we pledge collateral to secure such public deposits through our National Collateral Management Group to numerous government clients in the State of California (including several cities in California) and throughout the country.

5.6.4.Please include a copy of the Bank's Contract for Deposits of Moneys in this section.

Please see below.

California General Collateral Information (Mandatory Local Agency Pool) JPMorgan Chase Bank, N.A. (the Bank), through its National Collateral Management Group (NCMG), employs a Bank developed Corporate Collateral Management System (CCM), which provides daily monitoring of deposit balances and security value for collateralization purposes.

CCM is reviewed each Federal Reserve banking day by dedicated Collateral Managers for compliance with collateral requirements. Collateral requirements are based upon the end-of-day ledger balances in deposit accounts (demand and time deposits) (plus accrued interest if any), less applicable FDIC coverage if coverage for insured balances is appropriately waived, plus applicable margin (10%). The end-of-day deposit balances are uploaded into CCM the following Federal Reserve banking day morning from the Bank's deposit system. NCMG monitors the market value of collateral pledged to our customers and compares the market value to the collateral requirements. In the event a market value reduction or increase in deposit level creates an under-collateralized position, additional collateral will be pledged promptly. 240

5.6. Collateralization of Deposits | 23 |
Collateral is pooled for all local agency government customers and state agency customers The Bank follows the collateralization process (California Pool) established by California law and procedures of the Local Agency Security Program (LASP) Administrator. In addition, the Bank follows the collateralization process established by California law for State Agency customers. The State’s own deposits are directly collateralized.

Types of collateral pledged
The Bank is currently pledging U.S. Treasury securities to secure Local Agency deposits and State Agency deposits. The amount and types of collateral pledged are subject to change, but will be in accordance with the California Government Code (for Local Agency deposits, Government Code §§ 53651, 53651.2, 53651.6 and rules established by the LASP Administrator; and for State Agency Deposits, Government Code § 16522).

Custodian for the collateral securities
The Bank currently employs The Bank of New York Mellon as third-party custodian to hold collateral for the LASP; and the Federal Reserve Bank, which account is controlled by the State Treasurer for the State Agency accounts.

Collateral priced/marked to market
The Bank uses 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. The Bank of New York Mellon also prices pledged securities daily, weekly and monthly, dependent upon the types of securities pledged as collateral.

Departments responsible for tracking collateral and reporting to the state The Bank has two groups for tracking collateral and reporting: Firmwide Regulatory Reporting and Analysis (FRRA), 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 required to provide reporting to the LASP Administrator in such frequency and in such format as described in California law and LASP rules. The Bank is unable to provide collateral reporting for LASP pool program customers because the collateral pledged covers all California Pool participants and is not segregated to a specific customer. Request of proof of collateralization for LASP pool program customers can be submitted to:
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5.6. Collateralization of Deposits | 24 |
California Department of Financial Protection & Innovation One Sansome Street, STE 600
San Francisco, CA 94104-4428
Phone: (415) 542-6305
Fax (415) 263-8508
Joe Lam [email protected]
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5.7. Earnings Credit Rates (ECR) & Account Analysis | 25 |

5.7. Earnings Credit Rates (ECR) & Account
Analysis

5.7.1.What are the options of compensating your bank, i.e. direct fees, or compensating balances, or a combination of both?
Is the price the same for either option? If not, what is the difference? If on a fee basis, can excess balances be used to offset activity charges partially? Will earnings credit on collected balances in excess of those required to pay expenses incurred in any month be carried forward to offset future bank charges? Provide the bank's ECR for compensating balance method of payment.

The current earnings credit rate offered to the City is 0.84%.

We accept compensation based on fees and/or balances, with no difference in unit prices.

Fee Compensation: If you choose a fee compensation plan, balances are not used to offset any service charges. Total service charges are debited from a designated account, generally monthly.

Balance Compensation: If you choose a balance compensation plan, eligible balances are used to calculate an earnings credit allowance to offset service charges. If eligible balances are sufficient, the earnings credit allowance offsets the service charge. If the level of eligible balances does not fully cover the fees, remaining service charges are debited from a designated account, usually monthly.

Earnings credit is calculated and applied within the billing cycle it is earned.

5.7.2.How is your bank's earning credit determined, adjusted, and applied? Please include in the explanation the impart of the bank's reserve requirement, and the formula for converting service charges to balance requirements.

The earnings credit rate is a bank managed rate that we review and update periodically after considering a range of factors, including the market rate environment. Using a managed rate helps to maintain pricing flexibility while helping to protect you from the short-term rate volatility that could result from using an indexed rate.

The earnings credit allowance is calculated based on the average daily positive collected balances in the non-interest-bearing accounts less the reserve requirement (currently 0%) using the following calculation:

Monthly earnings credit allowance calculation
(Average monthly investable balance x ECR x actual number of days in month) Actual number of days in year
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5.7. Earnings Credit Rates (ECR) & Account Analysis | 26 |

5.7.3.What is the banks current earnings credit rate? Are you willing to lock in a "floor" earnings credit rate? If so, how long?
The current earnings credit rate offered to the City is 0.84%. The rate will remain in effect for the term of the banking depository contract.

5.7.4.Using the ECR for the month of September 2025, please calculate the level of compensating balances (after float and reserves) needed to offset one dollar of the bank services. ($1 in services = $ $1,448.41 in compensating balances.)*

5.7.5.What time frame does your bank use when reviewing balances for deficiency or excess (e.g. rolling 12-month average, calendar quarter, calendar year, etc?) Chase is offering the City a quarterly account analysis billing settlement.

5.7.6.Please detail which types of items and services can be applied against the account analysis in additions to the standard bank services, such as courier service (cash deposit pick-up), check stock, supplies (deposit slips, poly bags), etc. Is there a markup for any of the items? If so, how much? Courier service, check stock and supplies do not qualify for account analysis billing.

Please see attachment XX for estimated pro forma pricing and items typically applied to account analysis.

5.7.7.Are Account Analysis Reports available online?
X Yes
No

5.7.8.If so, specify the cost*
There is no charge to view and download bank statements and account analysis statements through our online portal.

5.7.9.What procedure is used to make any adjustments to the Account Analysis statements and how long does it take for adjustments to take effect?
Adjustments to prior periods are detailed in the Financial Recap section of the current analysis statement.

The City must notify Chase in writing of any errors or missing statements within 60 days of availability.

Chase investigates errors and applies necessary adjustments.

If a billing error isn’t corrected before direct debit, Chase will post the adjustment as a separate transaction. 244

5.8. Deposit Services | 27 |

5.8. Deposit Services
Currently, the City utilizes a variety of methods to process deposits such as cash deposit pickup, remote deposit capture for checks, and lockbox services for utility billing payments. The City may use the branch to make branch deposits, to get change, to allow vendors and/or payees to negotiate accounts payable checks, and for other miscellaneous activities.

5.8.1.Do you have branches within Solano or Napa County? X Yes
No

5.8.2.Please list bank branches from nearest to farthest from American Canyon, along with their respective distances.

Branch locations, address and hours of operation are provided in the table below. The deposit cutoff time is the branch closing time Monday through Friday, 9:00 a.m.-5:00 p.m. local time for branches in your area.

Commercially enabled
branch name Address
Hours of operation
(Local time at branch)
Turner Pkwy 972A Admiral Callaghan Ln
Vallejo, CA 94591
Monday – Friday: 9:00 a.m. to 5:00 p.m.

Saturday: 9:00 a.m. to 2:00 p.m.

Vallejo 901 Tennessee St
Vallejo, CA 94590
Monday – Friday: 9:00 a.m. to 5:00 p.m.

Saturday: 9:00 a.m. to 2:00 p.m.
* Branch hours are subject to change and are posted at each branch location.

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 and ATM locations and functions may change from time to time.

Make cash deposits 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 may verify deposits containing cash on a delayed basis. We complete deposit verification of all cash within two business days of receipt of the deposit (three days if the deposit package is forwarded to a commercial vault for verification).

5.8.3.Please describe your institution's procedures for handling cash deposits and miscellaneous activities listed above.

When presenting a deposit at the teller line, the City receives a receipt and provisional credit if post verified.

Also:

You must wait for a validated receipt when making deposits at the teller line. 245

5.8. Deposit Services | 28 |
Coin deposits of $10 or less may be verified on a delayed basis.

Validated receipts for deposits placed in the night drop are available at the branch the following business day.

5.8.4.What is the ledger cutoff time for deposits?
The City receives same-day funds availability for cash deposits, incoming wire, ACH transactions and checks drawn on Chase. The cutoff time for each transaction is detailed below.

Deposit cutoff times
Cash deposits
Branch deposits Times vary by location, but are typically between 5:00 p.m. and 6:00 p.m. branch time.

Branch night drop
deposits
7:30 a.m. branch time.

Select branches offer a second opening in the early afternoon. Deposit cutoff times are clearly indicated on the face of each depository, as required by law.

Vault Our Oakland vault has the following cutoff times:

Cash-only deposit: 4:00 p.m. local time of the vault
Mixed (cash and check) and check-only deposit 4:00 p.m. local time of the vault Check-only deposits
Remote deposits Remote Deposit Capture (including mobile): 7:00 p.m. PT, with same-day ledger and availability based on account schedule.

Electronic deposits
Wire transfers Wire transfers are credited and available in near real time throughout the day. The cutoff time for incoming credits is the close of Fedwire, which is 3:45 p.m. PT.

ACH For ACH credits, you receive availability (memo post) for ACH collection on opening of the business day on the settlement date. A hard post of the funds happens at the end of the business day.

For ACH debits, any same-day originations are settled at the end of the business day. (1) We regularly review vault activity as a business practice, which may result in openings, closings and changes to cutoff times.
(2) Coin deposits greater than $10.00 may be credited to your account on a delayed basis.

5.8.5.How are deposits credited? Are all items immediately verified? If provisional credit is given, when does verification take place? If the bank corrects a deposit, how will the City be informed of this change?
Yes. When presenting a deposit at the teller line, the City receives a receipt and provisional credit if post verified. Also:

You must wait for a validated receipt when making deposits at the teller line. 246

5.8. Deposit Services | 29 |
Coin deposits of $10 or less may be verified on a delayed basis.

Validated receipts for deposits placed in the night drop are available at the branch the following business day.

Receipts are retained at the branch for 30 days.

Provisional credit
Our verification process follows a systematic approach:

Provisional credit is provided at the time of deposit.

Branch personnel verify the deposit within two business days from receipt.

Deposits may be forwarded to the vault within one business day of receipt.

Vault personnel have two business days to complete verification. 247

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5.9. Remote Deposit Capture

5.9.1.Describe the bank's ability to process checks by RDC.

Remote Deposit Capture, a check deposit solution powered by Receivables Online via J.P. Morgan Access, allows clients to scan checks and full-page documents from their desktop or mobile device and electronically send the images to the bank for deposit.

Desktop: Clients can scan checks and remittance documents using an approved high-speed check or check + document scanner (list of approved scanners).

Remote Deposit Capture can help you move from paper-intense operations toward electronic solutions.

The solution allows the City to deposit business, government and consumer checks, Postal Money Orders, Western Union Money Orders, demand drafts and government warrants.

To use our remote capture services in the U.S., checks must be:

Scanned from a U.S. location
Drawn on a U.S. financial institution and in U.S. dollars Deposited into a Chase U.S.-domiciled DDA
You need only a high-speed internet connection, a desktop check scanner and a Windows-based PC.

5.9.2.Is there a limit on the number of checks that can be contained in a single deposit? Is there a limit to the number of deposits in a single day?
While our remote capture service allows deposits of up to 999 checks, we strongly recommend limiting a deposit batch to 30–50 checks to help make reconciliation a manageable process for the City’s users.

Multiple batches can be scanned prior to submitting for deposit. You can make as many deposits as needed in a single day. Mobile users may submit a single check at a time for deposit; however, checks can be batched by scanning multiple checks within a five-minute period for submission. 248

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5.9.3.Describe the process used for balancing and correcting deposits transmitted to your institution. If there are deposit corrections or adjustments describe how will the City be notified? All balancing for remote deposits is performed by the user before submitting for deposit. If the batch does not balance, the user can correct the item or remove it from the batch prior to submitting for deposit.

Balancing and correcting deposits
Figure 1
Return and adjustment reports and alerts are available via J.P Morgan Access.

5.9.4.Does your service offer the ability to adjust data using recognition technology that was not captured correctly by the scanner?
X Yes
No

5.9.5.If yes, please describe.

Yes, while using the desktop scanning process you are able to make some adjustments to the MICR that was captured incorrectly. If the MICR information is not captured correctly, you will have to delete items and rescan them. Any supplemental data captured can be adjusted.

5.9.6.If not, does the service allow the addition, deletion, and rescanning of checks during both the correction and balancing functions?
Yes.

5.9.7.The City currently owns one check scanner. Would the City be able to use the scanners they currently own?
X Yes
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No
Yes, the City can purchase and/or use your own scanning equipment as long as it meets the supported scanners requirements. Please see Appendix 3 for Remote Deposit Capture Scanner Guide.

5.9.8.If the City will need to purchase new equipment, what is the price for this equipment (including lease option)?*
N/A

5.9.9.Can checks be automatically endorse with the bank's RDC service?* X Yes
No

5.9.10.Is the automatic endorsement of an electronic image on the check? X Yes
No

5.9.11.Are checks cleared as ACHs or image replacement documents? How does the bank's software determine the clearing mechanism?
We determine the optimal clearing method for remote deposit, which would include image exchange or an IRD to clear the item. The endpoint, consisting of the routing transit number of the drawee financial institution, and image quality of the item are factors in the method for clearing items. For clients who also utilize ACH conversion, our database maintains a library of the electronic routing information that determines whether ACH conversion is appropriate.

5.9.12.Is there a difference in legal standing for items clearing by ACH or image replacement documents (IRDs)?*
Yes
X No

5.9.13.If so, please describe.

N/A.
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5.9.14.Describe your retention policy for checks converted to ACH or processed via remote deposit capture.

Chase retains images to detect duplicates for 14 calendar days.

5.9.15.What are the deadlines for same-day credit of deposits? The Remote Deposit Capture deadline for same-day deposits is 7:00 p.m. PT. Deposits scanned after the cutoff will be processed next day.
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5.10. Lockbox Services | 34 |

5.10. Lockbox Services

5.10.1.What types of payments can be process through your lockbox service? Chase Wholesale Lockbox, a solution powered by Receivables Online (RO), allows you to direct payments to one of our local processing centers where payments are automatically collected, processed and deposited into your Chase bank accounts.

We can help the City post receivables quickly, reduce exceptions and strengthen your cash position.

Benefit from our investments in equipment refreshes with artificial intelligence and machine learning technology to minimize exception processing.

A nationwide network of processing sites
We own and operate our full-service, nationwide lockbox network of processing sites with fully automated wholesale and scannable services. We offer a full range of wholesale lockbox services, using a common nationwide network platform. We recommend our Los Angeles site for your processing needs.

A proprietary, online receivables tool
You can report, enrich and reconcile your lockbox payments alongside other payment channels with Receivables Online. Our Receivables Online browser provides same-day decisioning and an account reconciliation tool to combine advanced image and data capture technology. It delivers all you need in a single online repository to:

Access images and information related to payments you receive Reference ACH or wire payments you receive, as an option Review images in our 10-year archive for all your lockboxes in our network sites using only one client ID
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Easy navigation, advanced queries, payment alerts and workflow tools give your accounts receivable, credit and customer service staffs the ability to make informed business decisions quickly and without handling paper documents.

5.10.2.Can you process both paper and digital payments? Receivables Online (RO) is a digital receivables management and account reconciliation platform accessed via J.P. Morgan Access®. It provides a consolidated view of remittance data, advanced search tools, and payment alerts. Users can view information online and integrate files with their systems for cash application and reconciliation reporting.

A solution for electronic payments
Remittance Association (RA), is an optional value-added service of Receivables Online, that provides reconciliation between ACH and wire payment activity with remittance advices that are received through a separate channel via email. The remittance advices created from client emails and sent to their unique Chase email box will be associated to the payment transactions and delivered to the client via data transmission to their ERP.

Consolidate incoming receivables of checks, ACH and wires Figure 2
Receivables Online allows the City to view transaction data and images via a web browser. Lockbox images are available after each transaction, and electronic payments are accessible on a set schedule. Images are stored online for over a month, with an optional 10-year archive for long-term retention. The platform is powered by J.P. Morgan Access and serves as a central hub for reporting needs.5.10.3.How do you handle high-volume payments or large denomination checks?
Our timely processing of all lockbox mail eliminates the need for unusual “priority handling” situations. We do, however, prioritize work according to a lockbox’s transmission time and data entry requirements. 253

5.10. Lockbox Services | 36 |

5.10.4.What is the process for setting up a lockbox service? What types of information will you need? Our typical implementation process follows this outline:

Project Scope/Solution
We validate the specifics of the solution to be deployed with you and identify needs that may require customization before we fully commence onboarding.

Development and agreement on the onboarding project plan Your international onboarding specialist will build a project plan that outlines key activities required to deliver the project within the agreed timelines. We will collaborate with you to confirm your understanding of the plan and timelines.

Documentation Deployment
Documentation related to opening an account and/or product acceptance will need to be completed. We will walk you through the documentation to be completed and assist with questions you may have.

File Integration
When file integration is involved, we will work with you to develop, test and validate files to verify successful integration.

Product Deployment and Training
Products and services will be implemented, and we will provide customized training to your users.

We require the support of your treasury and accounts receivable staff for a successful implementation. Also, we require the support of your technology and telecommunications staff, as well as any outside vendors you may be using, to set up a data or image transmission.

The City should provide a primary point of contact for the implementation team to work with as well as any necessary technical contacts, if required. Authorized signers should be available at the start of the project to sign documents and identify and approve security administrators.

5.10.5.Can you integrate your lockbox service with the City's accounting software? How are we notified that a lockbox batch has been processed?
We can provide the City a file transmission for posting your lockbox information. We offer several formats including CSV, BAI2, or a customized formation per your specifications. Testing would be required to determine compatibility with the city’s accounting software.

5.10.6.What types of reports are provided? Do you provide imaging of checks processed? Receivables Online (RO) is a digital receivables management and account reconciliation platform accessed via J.P. Morgan Access®. It provides a consolidated view of remittance data and features an intuitive design for easy transaction management. All transactions are shown on large, information-rich screens for efficient 254

5.10. Lockbox Services | 37 |
filtering and action. Users land on the Transaction History page by default, or the Capture Transactions page if they have Remote Capture access. The header and menu bar are always visible for easy navigation.

You can access common functions from the header icons:

Support will open a page where you can access support materials and user guides.

Alerts will take you to your alerts inbox to view important system and transaction alert messages.

Settings will open a page where you can update your default scanner, display and print, and alert options. See the Settings section for additional details, Use log off to leave Receivables Online. Note: By default, you will be logged off your session after

12.5 minutes of inactivity.

Flexible queries: A robust search engine lets the City quickly retrieve what you need. Transaction search criteria include bank transaction identifiers, payment data, supplemental invoice fields captured from your remittance documents, and workflow status and notation fields that you have previously assigned. Some typical queries let you retrieve:

A single transaction with a specific check number or check amount A single transaction containing a specific invoice number All transactions for a given remitter name for the past month All items which you have previously flagged as cash application exceptions Transaction level queries display images of checks and related remittance documents—plus any workflow status or notations added by you or your staff.

Same-day viewing: Lockbox images are available on Receivables Online after the first deposit. Additional images appear as transactions are completed throughout the day. Most batches are delivered within 30 minutes of processing, with timing adjusted for any special grouping or batch requirements.

Fast retrieval: Images and data are stored online for instant access with a high-speed internet connection.

Standard storage is 45 days, with options to extend or choose long-term (10-year) storage for lockbox items on Chase’s Receivables Online.

Easy image viewing: The RO Image Viewer can be accessed from different Receivables Online transaction screens. It displays payment-related images (e.g., checks, coupons, invoices) in a single-page format with thumbnails for easy navigation. Images are clear on recommended monitor sizes.

It allows you to:

Quickly view multiple check and/or document images for a transaction.

Print an entire transaction with one request.

Download an entire transaction, and print and/or save it to a file that can be attached to an email message.

Activate the Image viewer from the Transaction History list screen to view and/or export several transactions at once.
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The Image Viewer also includes a thumbnail feature. The Image Viewer toolbar allows you to navigate between transaction images, adjust the magnification settings and page orientation, as well as print and save image. Document images may be viewed in black and white or in color, depending on how your account is configured on the Bank's capture platform. All images may be downloaded and saved to your PC's file system.

You can save or print selected images from the Image Viewer. From the Save or Print window that displays, you can select specific images or all the images to save or print. When saving images, you can select from PDF or TIFF format.

Workflow management: Receivables Online provides the City staff with a manual workflow tool that allows you to assign any item to an individual user, with the ability to add freeform notes to provide additional details.

In addition, the City can create your own exception categories and assign items to those categories via a simple drop down box selection. Action Items include Transactions Requiring Action, Transactions Assigned To Me with user driven Assigned transactions workflows.

At the individual transaction level, users with the appropriate entitlements can update the following fields:

Exception flag and reason code: The reason code can be used alone or in conjunction with the exception flag. The drop-down lists of reason codes on the Transaction Details screen are populated according to the items defined on the Reason Code Maintenance screen. New reason codes are automatically added to drop-down lists elsewhere in the application when they are added.

Assigned to: Allows users to navigate directly to transaction payment results if certain payments have been assigned to them. Assignment of work requires Workflow Update entitlement at the user level, but any user can access the work that is assigned to them using the Action Item.

Workflow status: Only entitled users have access to add or edit capabilities. Without this entitlement, you will only be able to view any Workflow statuses and/or Notes that have been added to the transaction. You must have Update entitlement to perform the following Workflow & Notesrelated tasks: Flag a transaction as an exception, Enter an exception reason code, Assign a transaction to an available user, Set the transaction status to “Closed.” Add a Note, Edit a Note, Delete a Note.

Multiple notes: As note fields are added to a transaction; a user ID and date are recorded with each. The note field allows 2,000 characters of free-form text per note. You may want to use this field to record resolution of cash application discrepancies or to record making a customer phone call related to the item. The field has copy and paste text capabilities.

Bulk upload: Workflow and notes can be uploaded for multiple transactions. Users can upload an Excel template with workflow and note information for up to 1,000 transactions at once.

Image retention solutions
Our standard service allows 45 days of historical, online access to images in Receivables Online. The City also may need longer record retention for customer service and audit purposes. Receivables Online offers these optional storage features to accommodate those needs:
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Extended high-speed storage: The City can access up to 12 additional months of images within seconds because they are stored online. This option may be added to your service even if you also use the long-term archive.

Long-term archive: Your archived transactions are readily available when you need them if you subscribe to our long-term archive solution. This optional service safeguards your important business data and images for a 10-year period in dual, secure locations. Because you use the same Receivables Online user interface that you use for accessing your current activity, your remote users do not need to call a central location.

Reports
Online reports: Receivables Online provides lockbox information in formatted reports to facilitate the City’s daily balancing and cash application and to help you analyze patterns and trends. These dynamically generated reports may be viewed online or in CSV (spreadsheet compatible) format. Your users can request all reports for a single lockbox or for all of your lockboxes.

Several reports are included in the Receivables Online standard service. Additional reports are included with some select service offerings as noted. All reports include a time and date stamp determined by the global time zone that is designated by each user on the My Settings page in Receivables Online.

Receivables Online reports
Report name Description Usage Conditions
Standard reports
Activity Summary Summarizes transaction deposit
totals by value date (one to 31
days) and may be counted by a
unique reference field.

You also may include userdefined search parameters, such as program, channel, method and
currency.

Balance lockbox totals
to bank deposit reports
and/or accounts
receivable
Standard offering
Capture Summary This report summarizes
transactions for a single captured
date or a captured date range (up
to 31 days) and may be
grouped/sorted by operator or
program. You also may include
user-defined search parameters,
such as Program, Status,
Operator and Capture Device.

This report is included
in Remote Deposit
Capture (RDC) or
Remote Lockbox
Capture (RLC)
programs
Included in RDC or RLC
Program offerings
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Receivables Online reports
Report name Description Usage Conditions
Transaction Summary This report summarizes
transaction totals by value date
(one to 31 days) and may be
grouped/sorted by batch, value
date and group. You also may
include user-defined search
parameters, such as program,
channel, method, payment
disposition and currency.

Cash application Standard offering
Payment Detail The report provides transaction
details by value date (one to 31
days) and may be sorted/grouped
by program, entity or batch. You
may also include user-defined
search parameters, such as
program, channel, method and
currency.

Cash application Standard offering
Assigned-to Summary This report summarizes workflow
assignments by value date (one
to 31 days). You also may include
user-defined search parameters,
such as assigned to, status and
currency.

Monitor completion of
cash application or
exception review
assignments
Standard offering
Optional reports
Extended Detail List of payments received in one
or all lockboxes for a single credit
date. Payment data may be
sorted two ways: by processing
date and lockbox number or by
remitter name. You can specify
subtotal by lockbox or batch.

Includes 1 to 9,999 lines of
reference (invoice) details per
payment. Reference lines include
up to four additional invoicerelated fields.

Cash application Optional report; additional
reporting fee applies.

Custom Report The template(s) may be made
public for all entitled Receivables
Online users or may be kept
private.

The report provides the
flexibility to create
customized template(s)
with subscribed
payment and invoice
information, as well as
running the template to
create reports ad-hoc
Optional report; additional
reporting fee applies.
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Receivables Online reports
Report name Description Usage Conditions
CSV+ Detail The report provides transaction
details for a single date. You also
may include user-defined search
parameters, such as program,
channel, method and currency.

The report may be formatted to
repeat information on each row, if
desired. The Repeat option allows
users to view the line-item
breakdown for multiple items
covered by a single payment.

Cash application or
import to an external
application for further
analysis or reporting
Optional report; additional
reporting fee applies.

Return Item Summary
Report
You can view return items and
totals by Disposition Indicator
and/or by Return Reason for a
single date or for a specified
range of 1 to 31 Return Dates.

The report summarizes return
item totals for customers who
want to better understand the
impact of returns on cash flow
and accounts receivable. It allows
you to identify trends at a client
level.

Unassociated Returns
that are not linked to
their original
transaction can be
viewed on the Return
Item Summary report;
this report includes
both Reassociated and
Unassociated returns,
depending on the
report selection criteria
entered.

Return Item Summary
Report is included with
return item summary
service
Associated Payments
Report
This report provides users with a
consolidated list of payments and
their associated remittance advice
emails. This report is available for
export in CSV format.

Cash application Associated Payments
Report is included with the
Remittance Association
Service
Downloadable reports: Receivables Online provides for delivery of reports produced by other systems and containing data not provided via the online dynamic reporting tool. These optional reports include Lockbox Deposit Advices, Electronic Payment Detail Reports and our Custom Report.

5.10.7.What is the procedure for processing exception items* Our processing workflow allows for the automatic collection, processing and depositing of payments into your Chase bank account. Here’s how our Wholesale Lockbox, powered by Receivables Online, works:

First class and courier mail is received under dual control at the lockbox site multiple times a day.

Payments and documents are extracted and scanned by site operations staff.

Transaction images are classified and routed to the correct PO Box number.

Data is captured from images and clients specific processing instructions are applied. 259

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Payments are deposited, transmission files are sent and images appear on Receivables Online (RO).

Documents are stored for 21 days before secure destruction. Images and data viewable on RO for up to 10 years.

Check returns
We maintain a comprehensive database that details your return item handling instructions, which may vary by lockbox even if multiple lockboxes share the same depository account. During the check clearing process, deposited checks may be returned by the paying bank for a number of reasons, such as: non-sufficient funds (NSF), uncollected funds, stop payment or account closed. Most returned items are routed through the Federal Reserve System to our regional return processing areas.

After processing your return items per your handling instructions, the returns system will generate a debit to your designated demand deposit account (DDA). The actual return items are matched to a return item advice and mailed to you via U.S. First Class Mail to the DDA statement address. The return advice lists the dollar amount and the reason for return for each item.
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5.11. Cash Transportation | 43 |

5.11. Cash Transportation
The City currently utilizes a bank-provided courier service for weekly cash pickup at City Hall.

5.11.1.Please describe your pick-up schedule options

5.11.2.Please describe your options for missed pick-ups or special pick-ups

5.11.3.Please describe your service (if available) for Insurance in delivery.

We do not provide ground-based courier services for the pickup and delivery of domestic paper check or cash deposits. The City should contract independently with an armored courier.

We recommend the City utilizes our Cash Vault as described above. The City can set up services to have their armored car service drop off deposits at our cash vault location. 261

5.12. Returned Item Processing | 44 |

5.12. Returned Item Processing

5.12.1. Can returned items for insufficient or uncollectible funds be automatically re- deposited? * Yes
X No

5.12.2.If so, how many times?
Not applicable.

5.12.3.Can the bank provide online access to electronic images (back and front) of returned items? How soon can these images be accessed after an item is returned? J.P. Morgan Access provides the City with next-day access to return item information and images.

Authorized users can securely retrieve, view, print, or export return item images online, 24/7. Images are found by running a Returns and Exceptions Report or Balance and Transaction Report, with both front and back views available.

5.12.4.Can the bank provide a summary report of returned items identifying the payer(s) name, depositing location, deposit date, and type of item being returned? Yes, we can provide a summary report of return items through our online portal.

Create, customize and run up-to-the-minute reports on your accounts, all from a single location using the cash reporting tools built-in to our banking portal. With its flexibility and ease of use, our portal fits the way you work to save you time.

Several master reports form the foundation of our online centralized reporting capability. Each format is customizable to create reports tailored to specific needs.

Please refer to Appendix 4 for J.P. Morgan Access Sample Reports. 262

5.13. Availability of Deposits | 45 |

5.13. Availability of Deposits

5.13.1.Provide a copy of the bank's availability schedule, including branch deposits.

Please refer to the Availability Schedules in Appendix 5.

5.13.2.Is the schedule offered to the City the best one provided to any customer? X Yes
No

5.13.3.If not, quantify the difference and explain how the City may obtain the bank's best availability schedule.

Not applicable

5.13.4.How does the bank determine and calculate availability of deposited items? We determine and calculate availability based on:

The drawee bank routing/transit number
The time the deposit is processed
Fractional float assignment
In some instances, the dollar amount of the item

5.13.5.Do the availability policies differ from Federal Reserve Bank availability schedule? The funds availability of checks deposited is based on the financial institution where the check is drawn. 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. RTs will be turned if retired by the Federal Reserve Bank.

5.13.6. Does the bank give immediate availability for on-us items? X Yes
No
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5.13. Availability of Deposits | 46 |

5.13.7.Does the bank calculate the availability by item or formula? We calculate availability by item.

5.13.8.Is the availability assignment made as soon as checks are released for collection, or is the assignment made at specific times during the day?
Availability is assigned on an item-by-item basis according to your contracted deposit times. We work with you to choose the best deposit times that will provide maximum availability.

5.13.9.List off your cutoff times for giving same-day value on EFTs (e.g. wire, ACH/bulk) received. How soon after the bank gets incoming funds (e.g. wire, ACH/bulk), or notification of incoming funds, does the City receive credits in its account?
The City receives same-day funds availability for cash deposits, incoming wire, ACH transactions and checks drawn on Chase. The cutoff time for each electronic transaction is detailed below.

Deposit cutoff times
Electronic deposits
Wire transfers Wire transfers are credited and available in near real time throughout the day. The cutoff time for incoming credits is the close of Fedwire, which is 3:45 p.m. PT.

ACH For ACH credits, you receive availability (memo post) for ACH collection on opening of the business day on the settlement date. A hard post of the funds happens at the end of the business day.

For ACH debits, any same-day originations are settled at the end of the business day. 264

5.14. Wire Transfers | 47 |

5.14. Wire Transfers
Currently, the City initiates anywhere from zero (0) to two (2) wires and receiving approximately zero (0) to two (2) incoming wires per month.

5.14.1.Describe the process of initiating wire transfers including incoming, outgoing, and other wire transfers.

The online portal offers U.S. dollar and multicurrency funds transfer services, including wires, book transfers, drafts, account transfers, and U.S. drawdown transactions. The City sets user entitlements, allowing security administrators to manage transaction and template permissions. Users receive a confirmation number upon releasing a transaction, which can be accessed through the portal’s cash reporting features.

Payment initiation with just a few clicks
J.P. Morgan Access lets you originate wire transfers, ACH, and foreign exchange transactions. The platform is customizable with filters, views, and secure templates for recurring transactions. It integrates reporting, productivity tools, and security administration, offering a unified workflow and single sign-on for efficient transaction processing.

5.14.2.If wire transfers can be initiated online, describe the system's security features. Can varying degrees of authorization be set (i.e. multiple authorizers, maximum dollar amounts, etc.)? Security administrators set up their own authentication IDs and digital signature authority, then use online tools to approve additional users for accounts and services. Two administrators are required for user setup and maintenance. If administrators have product function access, two others must prepare and approve those entitlements to meet audit controls.

5.14.3.Does the bank offer dual control release options (secondary approval levels) for electronically initiated transfers?
X Yes
No

5.14.4.If so, describe.

Enforce dual control within your organization 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.
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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.

5.14.5.Describe the ability to create and store recurring and future-dated wire instruction/templates, including the maximum retention period for future-dated transactions, timeline, and related charges.

J.P. Morgan Access provides for a common set of intuitive templates for every payment method. For example, the City easily creates beneficiary templates with lockable and editable fields to set up recurring/repetitive payments.

There are many ways to customize the user experience. We configured the Transaction views with flexible sorting and filtering options to display only the features you use in the order you prefer.

5.14.6.Describe the bank's procedure for providing payment confirmation information (e.g. reference numbers) upon acceptance and execution of the wire transfer request.

The online portal provides transaction reference numbers when payments are released. Wire execution, confirmation, and clearing system reference numbers (FED and CHIPS) are available within minutes. The City can access summary reports and transaction statuses (Entered, Approved, Released) for all initiated transactions through online reporting.

5.14.7.Describe the bank's policy for handling a failed wire transfer. How and when would the City be notified?
For City-initiated wires, failures are communicated based on when they occur. Required fields and validation checks are performed during payment initiation. If a payment is returned, a credit is posted to your account and you receive a notification via J.P. Morgan Access (if subscribed). Transaction Services can be used to trace or investigate wires. All failures are acknowledged electronically, and returned payments are manually reviewed for possible correction. If Chase makes a processing error, the funds transfer will be corrected at no cost to you.

5.15. Automated Clearing House (ACH) Processing - Currently, the City utilizes ACH debits and credits as part of its electronic service, as well as direct deposits for payroll disbursements.

Depending upon your operational requirements, originate ACH payments for:

Lower-volume origination by using our banking portal, J.P. Morgan Access. The banking portal provides a fully integrated, browser-based service with easy-to-use applications for all your information, compliance and portfolio management needs.

Larger-volume origination by using secure file transfer protocol (SFTP) transmission for batch files.

Many large originators find it convenient to originate large volume via batch and create occasional manual entries online when necessary.
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5.14. Wire Transfers | 49 |

5.15.1.Is the bank both a sending and receiving bank of the National Automated Clearing House Association (NACHA)?*
X Yes
No
According to the National Automated Clearing House Association (Nacha), Chase is consistently a top ACH originator and ranks as one of the top receivers of ACH transactions.

5.15.2.Which method can the City submit ACH files or initiate ACH via bank software? Facilitate your origination of lower volume and manual entry of ACH payments—from payroll to disbursement to concentration—with J.P. Morgan Access.

Personalized experience: Effortlessly handle key transactions like wire transfers, ACH, and foreign exchange from a single, customizable page. Enhance security with filters and templates featuring locked fields for added security.

Time-saving intuitive portal: Our integrated reporting, productivity tools, and security services offer a seamless workflow across applications, minimizing the learning curve and simplifying payment initiation.

Customer-centric design: Built on user feedback, our service aligns with treasury managers' daily tasks, enabling easy initiation of payment methods from a unified, straightforward interface.

Use templates to simplify your process
Common sets of intuitive templates for every payment method are available to you. For example, easily create beneficiary templates with lockable and editable fields to set up recurring payments.

There are many ways to customize the system. The online portal can be configured with flexible sorting and filtering options to display only the features you use—in the order you prefer.

Create templates to support a complete menu of ACH transactions with all template information stored securely with the bank:
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5.14. Wire Transfers | 50 |
Templates for all ACH transactions
Consumer payments
Consumer collections
Payroll payments
Corporate/vendor payments
Corporate/vendor collections
Cash concentration
Cash disbursement
Federal, state and municipal payments
Child support payments
Funding other Chase accounts on a same-day basis
Transactions based on templates or entered in free-form mode are created by you, then batched, approved and released for processing.

ACH files generated through the banking portal are retrieved and processed several times each business day for next-day processing (or same-day, when applicable).

Create free-form transactions online
For non-repetitive payments, the City can create free-form ACH payments without the need to establish a stored template.

Alerts to help you manage your messages and transactions Use the banking portal to define, manage and view messages from anywhere Get alerted to transactions pending approval or see templates that have been modified Receive notifications either through encrypted email or the Notification inbox or both Highlights of large volume batch origination
We offer a file delivery solution that allows the City to send and receive ACH files using:

SSL session encryption
Browser-based file exchange (HTTPS)
SFTP with PGP (Pretty Good Privacy) or GNUPG (GNU Privacy Guard) file encryption AS2 (Applicability Statement 2)
Our delivery methods leverage the internet and readily available software packages to make transferring files simple and secure without the added cost of proprietary software installation.

VPN (virtual private network) is also a supported file transfer solution. 268

5.14. Wire Transfers | 51 |
How to handle large-batch files
We recommend submitting large batch files containing any consumer credits at least two business days prior to the settlement date. We accept future-dated large batch files containing consumer credits. These should be submitted at least two business days prior to the settlement date.

Same-day processing is available
You can send same day ACH credits and debits
All ACH credit and debit transactions, except for international transactions (IATs) and transactions above $1,000,000, are eligible for same-day processing
All data received after 3:15 p.m. ET (2:15 p.m. ET if prefunded) is ineligible for same-day ACH Nacha file import is easy to submit
Choose the automated interface on our banking portal to upload a standard Nacha-formatted file. It’s easy to submit payments for approval and release.

ACH Nacha import:

Available for CCD, CCD+, PPD, PPD+, CTX, IAT and WEB
Standard Entry Class Code transactions
Supports the transaction codes for checking, savings, general Ledger and loans
Works with comma-delimited or fixed-width files that are uploaded using the template functionality

5.15.3.What are the transmission cut-off times for one-day and two-day ACH files? Cutoff times for ACH initiation and additional details are provided below.

Initiation method Next-day ACH Same-day ACH
Direct Send transmission 1,2 7:00 p.m. PT 11:15 a.m. PT (prefund) and 12:15 p.m. PT ACH payments via J.P. Morgan Access 17:00 p.m. PT 11:00 a.m. PT (prefund) and 12:00 p.m. PT

1. ACH PPDs must be received two business days in advance.

2. If later deadlines are required, this should be discussed with your relationship team.

5.15.4.y Describe the procedures used to confirm accurate and secure receipts of the transmission.

Confirm the receipt of your direct transmission files by choosing any of the following:

FILE IMPORT FEATURE
You receive:

Future-dated warehousing
of up to 60 calendar days
Ability to create settlement
offset at transaction level or
batch level
Next-day settlement option
for transfers to/from Chase
accounts
Option to create addendum
record for all payments
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5.14. Wire Transfers | 52 |
ACH File Receipt Notification Service:

Available to clients who provide us with Direct Send ACH files. You will get an email notification that your submitted ACH file was either successfully received by the ACH back office and validated or rejected for further processing. We can send email notifications to a maximum of 10 corporate email addresses (personal email addresses are not supported), and do not include notification of successful ACH processing of client files.

ACH Acknowledgement File:

Automatically transmits a copy of your original File Header (1) record and File Control (9) record allowing you to reconcile back to your original ACH file processing records.

ACH Companion (Mirror) File:

Provides a complete copy of the original incoming ACH Nacha detail payment file received by us. This reconfirms the individual payment instructions being processed and is often used as a reconcilement file. The file reports any ACH rejects or returns back to you within one to three business days.

ACH Transaction Summary Report (Journal):

Created post-processing and summarizes the settlement results and totals for either an individual file or for the entire business day. We sent the report to you through secure email or direct transmission delivery within 90 minutes of receipt of the ACH initiation file. The acknowledgement includes item count and dollar amount.

ACH InfoDex:

Offers a “hands-on” telephonic method so that your authorized users can securely verify and release ACH files. Your users listen to the total dollar amount and number of items and approve that the information conforms to your own records.

5.15.5. What happens to an ACH file if the City exceeds its daily exposure limit? We coordinate exposure risk with our client’s payment patterns. Exposure is calculated as the net settlement over a cumulative two-to-three business day period. When a limit is approached or exceeded, one of our credit officers makes a determination to either process the file or notify your company. Please talk to your relationship team if you have questions.

5.15.6.How are returned and rejected ACH transactions handled? What information does the bank provide to assist in identifying returned and rejected ACH transmissions? When is this information available? Returned funds post at the end of the banking business day. Keep in mind:

Prior to posting, information about these items is available on our J.P. Morgan Access current-day report
To confirm a return belongs to you, we perform edits on account number, date, individual ID and trace number
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5.14. Wire Transfers | 53 |
Thoughtful return item processing
We carefully designed our return item process so that it acts as an interface to help provide you with accurate data. This was done to minimize the problems associated with exception items.

The bank may provide return items to you through:

Direct transmission
Encrypted email
Return and Exception Report online from J.P. Morgan Access We strongly recommend you utilize data transmission options to reduce delivery problems and minimize the time between the return and the time to receive notification of a return.

We want you to have accurate data
To give you complete and accurate data on each return, we use key fields from the returned items to retrieve the original record sent to us from a historical file. This file contains records for ACH transactions initiated in the past 15 months. Keep in mind:

If the search doesn’t locate an exact match, the entries are declined and sent to the Receiving Depository Financial Institution (RDFI) for correction and resubmission If the correct item is found, data from the original record is supplied to you with the reason for the return
We issue one debit per entity or application against your account for the total of the return file and include all returns in a single return transmission to help simplify reconciliation Returned credits are included in the return data file and are credited to your checking account with a separate entry per company ID
Return entries are not netted against one another or against the new item settlement

5.15.7.Is your bank planning to opt-in and participate in processing same-day ACH debits? X Yes
No

5.15.8.Describe the bank's procedures for handling debits to the City's accounts that were not authorized by the City. How soon does the bank notify the City of the receive of an unauthorized ACH debit? Yes, we offer a suite of services to protect your account from unauthorized ACH debits and/or credits. 271

5.14. Wire Transfers | 54 |
ACH Transaction Blocking with ACH Positive Pay is a useful self-service tool ACH Transaction Blocking (ACH TB), a fraud mitigation solution available via Payment Control Center in J.P. Morgan Access, automatically blocks incoming unauthorized ACH debit and credit transactions prior to posting to the protected account. The solution blocks transactions, in real time, based on rules activated by the client. Additionally, we offer ACH Positive Pay (ACH PP), a solution that works in conjunction with ACH Transaction Blocking, to review and decision items prior to posting to the protected account.

ACH Transaction Block allows you to set your account level criteria:

Block:

All debits/credit with or without allowable Company IDs All debits/credits over a certain dollar threshold
All debits from specified IDs
Allow:

All debits/credits from specified parties
All debits/credits below a dollar threshold from specified parties.

Allowed activity will post to your account on the effective date ACH Positive Pay allows you to:

Review and make pay or return decisions on incoming ACH debit and credit transactions prior to posting, based on established blocking and review rules.

ACH Transaction Blocking and ACH Positive Pay reports
The ACH Blocked Transaction History gives your users daily activity that provides a listing of all blocked transactions. Use the data to update your ACH debit/credit block rules to allow future payments to be processed without being returned. The history allows you to notify trading partners proactively about returned payments.

The ACH Positive Pay Decision History allows users to view decisions submitted for items reviewed.

Your entitled users can view up to six months of blocked transaction and decision history and is available for export in Excel and CSV formats via Payment Control Center in J.P. Morgan Access.

5.15.9.If the bank provides ACH debit blocking, what level of filtering can be applied? ACH Transaction Blocking allows you to add ACH debit and/or ACH credit block setups at the account level with optional dollar amount thresholds using Payment Control Center through J.P. Morgan Access.

ACH Transaction Blocking allows you to specify which companies are authorized to post ACH debits and credits to your accounts, blocking unauthorized use. The system's "block all" option prevents all ACH debits and credits from posting.
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5.15.10. Online Bank Processes and Information Reporting | 55 |

5.15.10. Online Bank Processes and
Information Reporting
The City currently utilizes a web-based online system to perform a variety of processes, such as placing stop payments and accessing online balance reporting information.

A. Please describe the bank's online banking and information reporting system(s), including a list of all services provided.

With J.P. Morgan Access, the City receives a highly intuitive and easy to use, cash management solution that seamlessly integrates all treasury activities through a secure portal using a single authentication process.

As an integrated cash management platform, J.P. Morgan Access transforms the way treasurers manage and monitor cash balances, daily transactions and information. Our service is proof of our dedication to investing in leading edge technology, product innovation and improving the client experience. 273

5.15.10. Online Bank Processes and Information Reporting | 56 | Our comprehensive cash management system at a glance
Figure 3
The online portal represents a simple, intuitive and multi-functional channel that provides rich information and transaction capabilities with a single sign-on to product applications across the Treasury Services product line.

Comprehensive functionality provides secure, seamless access to products across our services. Review and manage data, customize treasury activities, initiate payments, coordinate entitlements and manage tasks with a single point of access to cash management.

Benefits of our approach: Online portal—simple, intuitive and integrated Powerful security
Receive protection of privacy and authenticity of users, data and transactions when you access the portal via our sophisticated multi-layer security system 274

5.15.10. Online Bank Processes and Information Reporting | 57 | Benefits of our approach: Online portal—simple, intuitive and integrated Easy to use
Use a single sign-on and seamlessly access authorized accounts and functionality with automatic upgrades when users sign on
Saves time
View critical information at your fingertips on your customized home page—with features and capabilities that are just a few clicks away
Alert notifications
Set up a variety of customizable business critical alert notifications to save you time and make sure you don’t miss anything
Decision support interfaces
Manage your data effectively using filtering and export technologies Virtually effortless administration
Security administrators use simple and intuitive tools to manage frequent user entitlement changes in real time, and save time with features like cloning entitlements and cloning account and user groups Flexibility
Select the services required to support your current business environment and add additional services as your needs evolve
Self-service training and education
Access a single and consistent location called the Access Help Center for product and service learning options, a guides library, an intuitive online webinar registration tool that allows your staff to participate as needed—plus other tools and resources
Help if you need it
Use Virtual Assistant, our first-to-market capability to innovate on how you interact with our digital platforms.

The power of artificial intelligence bring you answers to the most commonly asked questions. Additionally, online help and how-to videos provide a full range of support materials in the Access Help Center.

When you need to speak to a person, take advantage of our unparalleled service. Our Client Service and Technical Support teams are available for further assistance.

B. What are the current hardware and software specifications for most effectively utilizing the bank's online system?
Please see Appendix 6 for our J.P. Morgan Access Technology Checklist. 275

5.15.10. Online Bank Processes and Information Reporting | 58 | C. At what time (Pacific Standard Time) is prior day information available? Prior day reporting is available by 7:00 a.m. PT.

D. Can the reports be customized? Exported to Excel?
Yes. Our online portal, offers the City a comprehensive list of predefined reports, as well as advanced filtering and criteria capabilities, and a powerful set of interactive features, allowing you to customize reports for different views or download them into different layouts to meet your varied reporting needs.

E. What types of security measure are in place? How is the assignment of user I.D.'s and passwords managed?
J.P. Morgan Access uses a multi-layer security system designed to protect the privacy and identity of users, while maximizing data and transaction integrity.

Control: The City’s security environment is maintained by your assigned security administrators, who create and authorize users for online services. Using online administration tools, security administrators can lock down security with precise user entitlements, limits and account settings and generate entitlement reports to meet auditing requirements.

Two-step logon: The system uses an enhanced two-step logon to help validate that users are accessing the authentic J.P. Morgan Access website.

Single Sign-On: A distinct user ID and password give the City’s users access to the platform and product functions that do not involve the initiation of value-bearing transactions. Users entitled to transaction initiation or that fall under certain regulatory requirements will also require a security token to log on.

User authentication: During the initial access to the server, users’ identities are validated against their registered profiles.

Log on control: After three log on attempts, the system automatically locks out a user who enters an invalid password and generates an entry in the security log. The three failed log on attempt restriction prior to disabling a user is on a per session basis. This is set by our systems.

Computer registration: Each time a user logs on through an unrecognized computer, the system prompts the user to re-register the unit using an activation code delivered via an out-of-band channel, such as email, help desk or in person by a the City security administrator.

Digital signature: Authentication is required for users accessing functions involving value-bearing transactions or security activities (e.g., wires and ACH). We use a two-factor authentication process:

Digital signature authentication is achieved through Chase’s patent-pending solution leveraging RSA SecurID token technology to provide signatures.

Users enter their user ID, password and RSA SecurID token code when logging on. They are prompted to re-enter their password and token code before moving funds during their secure session.
276

5.15.10. Online Bank Processes and Information Reporting | 59 | Data protection: Industry-standard 256-bit Transport Layer Security encryption helps maintain confidential access and delivery of data, and transaction facilities.

Session timeout: After 15 minutes of inactivity, users are automatically logged off.

Installation
No proprietary software is needed. Depending on the user profile, some industry standard plug-ins are required. Our Download Utility provides all required plug-ins. Once installed, your users around the world have simultaneous access to reports and transaction facilities for your accounts at Chase and other financial institutions.

Administrative functions with Manager
Your assigned security administrators maintain the City’s security environment in J.P. Morgan Access using the online administration tools available in Manager.

Manager provides simplified, self-service administration capabilities. It’s the security administrator’s onestop-shop for all administration functions. It all starts with the Manager menu. Manager navigation Figure 4
Manager menu options help security administrators take action. View your administration options in the main Manage menu including:

Manager Home is where you access your Company Overview to view your relationship summary and navigate to common pages to view more detail, including accounts, products and users; additionally you can approve requests and initiate user management.

Relationship Browser is where you can see relationships between accounts, products & users to understand your relationship structure and verify user entitlements.

Security is where you set up location groups, default user limits and same-day ACH functions, as well as manage tokens.

Workflow & Configuration is the place to select approvers, set up approval rules and categories. 277

5.15.10. Online Bank Processes and Information Reporting | 60 | Action Items is where you create new requests and view and edit user details.

User entitlements
The City nominates your own security administrators to establish and approve users for accounts, services and functions using an online entitlement feature. As a standard practice, and to help the City maintain audit controls, a minimum of two security administrators are required for user setup and maintenance.

One security administrator establishes users for accounts, services (e.g., ACH initiation, funds transfer initiation or balance reporting), and functions (e.g., reporting, transaction initiation and transaction approval or release).

A second security administrator approves the user entitlements granted by the first security administrator.

For each user created by a the City security administrator, we establish basic authentication user IDs. Digital signature authentication IDs are established for users authorized for transaction initiation and administrative functions.

RSA SecurID tokens are assigned by the security administrator to those users who need to perform digital signatures.

Users log on to the portal to start the new user identification process with the secured information provided in a welcome email generated after the user was created and approved by the security administrators. The user validates their contact information, leverages a one-time pin and creates their own password.

This logon procedure, in combination with the acknowledgement and pre-established user entitlements, creates an electronic user profile that is employed for all J.P. Morgan Access communications with Chase. Each user’s desktop view of the portal reflects the accounts, services and functions to which that user has been entitled.

Standard security administrator model
Figure 5
You can waive the requirement that a security administrator cannot make a change to their own profile providing that a second security administrator approves those changes.
278

5.15.10. Online Bank Processes and Information Reporting | 61 | F. What is the bank's contingency plan for providing this information in the event of an unexpected bank system problem or natural disaster?
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. The intent of these contingency plans is to support the continued operation of critical systems in the event of a disaster, emergency or other unforeseen events threatening interruption of these systems.

Please see Appendix 7 for our Resiliency Letter.

G. Does the bank offer electronic delivers of statements, reports, and notices? Yes, statements, reports and notices are available via our online portal.

15.11. Does the bank offer ACH Positive Pay (ability to make pay/no pay decisions on unidentified ACH transactions)?
X Yes
No

5.15.12. Describe the process of electronic funds payments for deposit of various State and County apportionments, including LAIF.

JPMorgan Chase Bank, N.A. is a qualified depository for public funds in California, showing our commitment to the State of California and to the needs of its counties, cities and municipalities.

Transfers to LAIF
You will initiate Investment transfers to the State via J.P. Morgan Access and posted to the State via wire transfer.

We work 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 we encourage you to confirm with LAIF to be sure they are in receipt of contracted instructions specific to you:

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 your authorized personnel prior to funds transfer. 279

5.15.10. Online Bank Processes and Information Reporting | 62 | Transfers from LAIF
Investment transfers from the State will be initiated by the City via LAIF by phone or online, and posted directly through Chase into your designated account. LAIF transfers can be executed by the City online through the LAIF portal.

Please refer to the pricing section of the response for any applicable fees.

Tax apportionments
Tax apportionments typically originate from the State Controller’s Office. We recommend that you use the EFT form located on the State Controllers “Apportionment” website tab to receive future payments via EFT. 280

5.16. Positive Pay Services | 63 |

5.16. Positive Pay Services
The City currently issues an average of 200 checks monthly and utilizes Positive Pay services for its disbursement accounts.

5.16.1. Does the bank offer Positive Pay services?
X Yes
No

5.16.2.If so, please describe the service including accepted methods for receiving the Positive Pay data and the format specifications for that data.

We provide positive pay services to help protect the City’s accounts. You simply send us your check issue files via transmission or the internet. Our J.P. Morgan internet delivery channel provides a foundation for secure and traceable communications between you and the bank.

We match checks presented on your account to those you have issued. If they don’t match, we provide images of exceptions to you via our online portal. You
instruct us to pay or return by the deadline.

We also offer the following:

Payee verification: Digitally interrogates the payee
name and also looks for alterations or additions
above, below or to the right of the payee name that
would change the payee identification.

Teller line positive pay: The strongest defense
available to prevent check fraud. We update our
teller line system within one hour of receipt of the
issue file to validate checks at Chase teller windows
and ATMs, denying payment for unmatched entries.

Reverse positive pay: An affordable check fraud
protection without needing to upload check details,
allowing you to identify discrepancies and instruct the bank on returns. Each day, you receive a file of presented checks to match against your database, investigate discrepancies via J.P. Morgan Access, and decide on payment, return or adjustments.

Post No Checks block: This service blocks all checks from your depository account or account used for electronic debits only. It can be added or removed from an account in one business day.

There is no notification of checks attempting to clear the blocked account. There is no additional fee for this service.

Let us help prevent payment of duplicate or altered checks and minimize losses. 281

5.16. Positive Pay Services | 64 |
Manage file delivery per your preference:

Upload option: Upload files containing positive pay issues, voids/cancels and stop payment requests into the banking portal in fixed text, CSV or XML formats Transmission option: Transmit the positive pay, check issue files directly to the bank For validation, receive an automated acknowledgement of your check issuance file transmission within one hour of file receipt, via the internet or transmission. For ARP input file specifications, please see the ARP Issue File Layout Sample in Appendix 8.

5.16.3. Does the bank offer Teller Positive Pay and Payee Positive Pay? Yes. We offer Teller Positive Pay and Payee Positive Pay.

Teller Line positive pay is one of the strongest defenses available to prevent check fraud. It enables the City to monitor and control the checks presented against your accounts so that only authorized items are paid. We will uncover payments that do not match the issue file and flag them as exceptions. Exception items are available each morning via J.P. Morgan Access for a pay or return decision.

Payee verification
With altered payee check fraud on the rise, our payee verification feature enhances traditional positive pay by identifying potential fraudulent checks where the payee name has been changed. The City provides each payee name as a required part of the information submitted in their check issuance file. We will compare them to the payee names on the presented checks. Payee name exceptions are identified and reported as part of the positive pay review for the City’s decision to pay or return the items.

5.16.4.How are the exception items under the Positive Pay reported to the City? What is the procedure and timeline for paying or returning exception items?
The City can use J.P. Morgan Access to receive positive pay exception items, including paid no issue (PNI items). A daily email notification is provided to your designated individuals, to alert them of any positive pay exceptions that require review. The associated exception report is delivered via our online portal at the beginning of the next business day, providing the report to the authorized the City user(s) upon log on for pay or return decisioning. The exception items report provides both a front and back image of each item.

The response deadline for clients’ pay or return decisions is 4:00 p.m. PT.

5.16.5.How are manual checked issued by the City send to the bank for inclusion in Positive Pay? The City can communicate manual issues or deletions online using our banking portal.

5.16.6.Does the bank provide online check imaging for exception items? X Yes
282

5.16. Positive Pay Services | 65 |
No

5.16.7.Describe the bank's check truncation service. Is online check imaging available for paid items? Deposit slips? Bank correction advices?
Yes, we accommodate image delivery via the Statements and Checks functionalities on J.P. Morgan Access.

Check disbursements, check images are available the same day the check is presented and stored for 7 years (standard) with an option to extend retention up to 10 years. For positive pay clients, exceptions include check images for your review and decision.

The deposit information for branch teller, branch night drop, vault (via armored car) and ATM deposit options is viewable on a same day basis on our online portal, with any images available the following day. Images submitted using Remote Deposit Capture are available for viewing the same day.

5.16.8.Describe the bank's online stop payment, void, and cancellation services and features. How long is a stop payment effective via any method available?
Authorized users can place stop payments through J.P. Morgan Access or by file transmission. The system checks 90 days of history to see if the check was paid and provides the payment date if applicable.

Confirmation of stop requests is available online and can be printed or downloaded. Stop payments last one year and automatically renew for up to six more years unless canceled. Auto-renewals can be adjusted at the account level.

5.16.9. Describe how long online images are available for display and what type of images are available The banking portal provides 45 days of account balance and transaction data, with options to extend retention to 90 days, 1 year, or 2 years. Historical inquiries can be run for up to 2 years. Images of transactions and reconciliation reports are stored for 7 years, with an option to extend to 10 years. Wire details are available for 7 years, and ACH transaction history for 15 months.

5.16.10. Describe any issues, concerns, and charges associated with the use of daylight overdraft protection.

An intraday credit limit is set based on your credit standing and verified electronically. Payments within the limit and your account balance are processed instantly. If a payment exceeds the limit, it’s stored and sent for approval; if covering funds arrive, it’s released automatically. Accounts can be grouped for intraday credit, allowing payments to be released when the combined balance and limit are sufficient

5.16.11. Will the bank guarantee payment of all the items even if it results in the account being overdrawn temporarily for the day?
Yes
X No
283

5.17. Disaster Recovery | 66 |

5.17. Disaster Recovery

5.17.1.Describe the bank's formal and tested disaster recovery plan.

Please see our Business Resiliency Letter in Appendix 7.

5.17.2.How quickly will back-up facilities be activated? Please see our Business Resiliency Letter in Appendix 7.

5.17.3. Describe the bank's operating capabilities to assist the City in the event of a disaster or declared emergency.

The City’s relationship team would work closely with you to understand your requirements and to find an appropriate solution should you be unable to operate at your facilities. In that event, you would be able to use one of our electronic banking tools from your designated recovery location(s). 284

5.18. Dispute Resolution Process | 67 |

5.18. Dispute Resolution Process

5.18.1.Describe your dispute resolution process for Positive Pay

5.18.2.Describe your dispute resolution process for Paper Checks

5.18.3.Describe your dispute resolution process for Payments Deposits*

5.18.4.Describe your dispute resolution process for Other The Chase Platinum Business Service Center is available to assist you with day to day banking such as inquiries, research and maintenance related to accounts and services. They have authority to engage all levels of management and escalate when needed. Client Service has a detailed matrix of contacts and escalation procedures to expedite resolution for each service provided to you. These procedures also include internal service standards to make sure other Chase groups are providing timely responses. Finally, Client Service works closely with your full relationship team to be sure that everyone supporting you is informed of your relationship activity.

5.18.5. Are there any established turn-around times for research and adjustments of items? Yes
X No
The turnaround for inquiries is dependent upon the complexity of the request, but most research inquiries can be completed in a matter of hours. Our goal is to provide timely updates.

5.18.6. If yes, please specify.

Not applicable.
285

5.19. Implementation Plan | 68 |

5.19. Implementation Plan
As part of any conversion, the City requires an efficient transition to the new bank or to enhanced services with its existing bank.

5.19.1.Please describe the overall plan the bank would coordinate to ensure such a conversion.

Yes, the City receives a detailed description of the implementation process, including a Sample Implementation Schedule as in Appendix 8.

Our approach to provide smooth onboarding of new services Your dedicated onboarding specialist remains your single point of contact throughout implementation:

Understands your business objectives and builds a detailed project plan to meet your goals Coordinates with your team and all stakeholders at the bank to provide timely delivery and an excellent experience
Provides end-to-end ownership of the process, keeping you fully informed throughout with regular progress meetings and updates.

We view the implementation process as a pivotal phase in our relationship and an opportunity to demonstrate the value of our expertise and consultative capabilities.

5.19. Implementation Plan | 69 |
Our technical specialists work with you to develop a comprehensive implementation plan based on your objectives and processing systems. They provide expertise on our market-leading capabilities that simplify complex onboardings. They use proven and structured methodology to make certain highly successful outcomes that are delivered on-time.

5.19.2.Please detail all costs and the responsible party (bank or City) associated with the conversion of all new services.

Please refer to Pro forma Analysis pricing located in Appendix 9.

5.19.3.What size conversion allowance will the bank provide to the City? Please state a specific dollar amount or identify those supplies, products, or services included.

We will offer the City a twelve (12) month fee waiver for account analysis fees only. The waiver is effective at the inception of the initial contract term.

5.19.4.Based on the information provided in the RFP and your firm's knowledge of the public sector, please describe any services or technological enhancements, not previously mentioned, that should be considered for further improving effectiveness of the City's treasury management operations.

Our particular expertise lies in adapting and aligning our vast breadth of solutions to the specific operating requirements and environments of our clients.

We accomplish this by listening to our clients and developing an understanding of their operating environments. We then construct a solution that not only meets our clients’ existing operational needs, but also challenges them to consider additional operational improvements.

5.19. Implementation Plan | 70 |
businesses and many of the world's most prominent corporate, institutional and government clients. For more information regarding the Firm, see www.jpmorganchase.com. Merchant Services is a trusted industry leader in payments processing and a critical line of business under our Chase Payments group, helping clients optimize, grow, simplify and protect their payments. More than 4,000 Merchant Services’ employees help organizations like the City implement and advance more secure and efficient payments programs that matter most to your customers, while establishing an optimum processing environment to help you streamline operations and optimize the cost of doing business.

Our global merchant processing volume for 2024 was more than $2.61 trillion and comprised of clients across a broad range of industries, segments and locations. Our proprietary platforms enable us to offer the City integrated solutions for all major payment types – from credit and debit processing to digital, alternative and mobile payment options. We support a variety of point-of-sale and card-not-present environments while providing security and reliability and a full spectrum of payments services we can tailor to meet your objectives.

Make cash deposits from all your locations via armored courier to over 100 our cash vaults.

5.19. Implementation Plan | 71 |
Should any discrepancies arise, you can request an email notification of adjustment information, a mailed advice on the day following verification or access to our Web Currency Services portal to view your account detail. The choice is made during implementation.

Commercial Card
Use our One Card solution to benefit the City in several ways.

Benefit in many ways with a One Card solution
Improve your bottom line
Increase spend that leads to increased rebate revenue
Reduce administrative and maintenance redundancies
Decrease reliance on petty cash and travel advances
Benefit from working capital gains through accelerated payments that maximize float Lower inventory costs
Save time
Centralize visibility into payments to increase leverage in supplier negotiations Receive real-time access to data and reporting
Access consolidated and automated reporting
View receipt images at your fingertips
Benefit from a customized approval workflow
Increase program administrators’ productivity with program automation Simplify integration into your Enterprise Resource Planning (ERP) system Improve supplier relationships
Improve cash flow through faster payments
Simplify accounts receivable (A/R) processes
Experience savings on credit and collection costs
Benefit from working capital gains through improved Days Sales Outstanding (DSO) Increase control, flexibility and security
Receive real-time online program controls, including merchant category code (MCC) restrictions Create account limits by transaction type (dollar limits, activity limits, cash advances, etc.) Improve employee convenience with acceptance at more than 98,889,811 million locations Access experienced professionals that help set up your program Choose options for central or individual billing
Provide employees with traveler insurance and assistance Benefit from liability waiver protection against fraud and employee misuse 289

5.19. Implementation Plan | 72 |
PaymentNet
We offer the City PaymentNet, our fully hosted online solution that requires no client-side software and is accessible from virtually any secure internet browser.

Streamline program management
Automate administration of your card program, simplify cardholder tasks and streamline account reconciliation with PaymentNet.

Be more efficient with the right tool
No software to install or maintain
PaymentNet’s web-based solution means nothing to install Our fully-hosted system means we take ownership of hardware platform needs, not you Access PaymentNet on the go with our mobile website—great for cardholders, too Handle everyday tasks more quickly and efficiently
Access key information, address core tasks and make payments directly from the home page Make real-time profile changes, adjustments of account controls Reduce the need for repetitive manual effort with mass updates Monitor, analyze and report on your program spend—your way Design custom reports to fit your needs--or choose from standard report options Save time and schedule reporting to run automatically
Create and save report queries in a way that meets your needs Create hierarchy structures that meet your business needs Save time and establish defaults to simplify reporting and transaction approval Built-in hierarchy support gives authorized personnel access to a wide range of administrative options Hierarchy structures allow cardholders to benefit from convenient, self-service features Set controls with real-time adjustments to promote adherence to expense policy Enforce spend policies before a transaction is even initiated Limit unauthorized usage while still giving employees exceptional flexibility PaymentNet puts you in control, from the cardholder to the program administrator to the auditor Gain greater transparency and insights into your program spend Minimize manual tasks while increasing administrative speed and accuracy Provide transparency and accountability to management with a full range of audit trails Get the information you need to enable you to break down and analyze your program spend Use a one-step, paperless process to capture the entire card application Manage each step online—from card application to approval to card request within PaymentNet Give program administrators full traceability and cardholders online status of their application Save more time by establishing user access roles for each account during card issuance 290

5.19. Implementation Plan | 73 |
Be more efficient with the right tool
Upload data to your general ledger to streamline the posting process Populate your general ledger as often as needed, automatically with the latest transaction data Specify different record types, order and sorting based on your system requirements Eliminate time-consuming manual input of data into existing general ledgers Maximize control—put essential functions at your users’ fingertips Get features and functionality not confined to the standard (and often limited) functionality of third-party reporting tools.

5.19. Implementation Plan | 74 |
Stay current with a snapshot view of your program
Figure 7
Screenshot is for illustrative purposes only. Some features of the dashboard may not be visible depending on the organization and hierarchy settings.

Please see Appendix 10 for our PaymentNet Demo information.

The City’s program administrator can establish dollar, transaction, merchant category code (MCC) and cash advance limits at any level of your hierarchy: by individual, department or for the entire organization. 292

5.19. Implementation Plan | 75 |
Control options by hierarchy level
Figure 8
PaymentNet provides a variety of controls for all level of your organizational hierarchy.

Standard controls available for our commercial cards include:

Dollar limits: Dollar limit controls include cycle spend, transaction amount, daily spend amount, monthly spend, and spend limits by MCC
Transaction limits: Limits can be placed on the number of transactions allowed per day and per month
MCC restrictions: Limits can be applied to MCCs with a dollar amount, transaction value or the number of transactions allowed per day
Cash advance controls: You have the ability to control monthly cash advance amounts or totally restrict the ability to use the cash advance options
Guidance line: Suspends your ability to continue to use the card when the total balance reaches its limit
The graphic below shows how you can change a cardholder’s account limits. 293

5.19. Implementation Plan | 76 |
Adjusting account limits
Figure 9
Chase enables program administrators to easily change account limits and velocity controls online.

5.19. Implementation Plan | 77 |
cardholder can spend at a group of merchants. This MCC group limitation can be restricted by daily number of transactions, transaction amount and monthly spend.

As a best practice, clients usually establish templates of MCC groups that apply to different cardholder profiles. We are happy to assist you in opening or blocking MCC groups as needed.

Gain the flexibility, float and rebate of a purchasing card coupled with powerful payment controls, anti-fraud and reconciliation features of virtual cards.

Virtual cards are equal to the approved payment amount. There is just one account per payment to help make sure the merchant only has access to approved funds for a specific payment.

Virtual card reconciliation is based on matching four key elements of purchase payments to transactions:
account number, validity dates, dollar value and merchant category code (MCC). When these items match, reconciliation occurs automatically, and you gain further efficiencies by integrating into your ERP system.

J.P. Morgan Integrated Solution for Excel
Managing your company’s daily cash flow is a challenge. Treasury managers often spend valuable time and resources manually populating spreadsheets to help them monitor their cash position and analyze trends.

This process can be burdensome and error prone.

5.19. Implementation Plan | 78 |
Key features and benefits
Gain greater accuracy and control: Refresh balance, transaction and payment/receipt information as needed
Save time: Initiate payments/receipts directly from your spreadsheet Make research fast and easy: View balance, transaction and payment/receipt details directly from the spreadsheet
Save historical data: Create history reports to analyze cash flow trends Gain complete visibility when you need it: Add exchange rates to a pre-existing spreadsheet How it works
After installing the Integrated Solution for Excel plugin through Microsoft Excel, the City can quickly and easily create a custom worksheet that can be refreshed with your bank account data from us or other banking providers’ accounts. Or, just tell Embedded Solution for Excel where to populate your balance, transaction and pending payment/receipt information in your company’s spreadsheet form.

Either way, the City will benefit from the convenience, and gain more control with the automation provided by Embedded Solution for Excel.

Fully customizable functionality: Select templates, spreadsheet layouts, account, transaction types and in-flight payments/receipts, set thresholds for individual accounts, receive reminders and generate “To-Do Lists.”
Build a custom setup specifically for your operational needs and ongoing efforts Provides you real-time data with one click
Initiate payments and receipts: Save time by initiating payments/receipts directly from your spreadsheet.

Historical data for trend reporting: Create history reports with 45 or more days of past balance and transaction data. Use these reports to analyze trends for any period you choose.

Help if you need it: integrated Solution for Excel is designed to work the way you do, helping manage your daily workflows more efficiently. Most clients are up and running with little or no learning curve. However, should you need help, a full range of support materials is available through J.P. Morgan Access Help. The help tool offers clients a single location for product and servicerelated content providing a full range of documents and training material from quick start guides, to webinars and online training modules.
296

5.19. Implementation Plan | 79 |
Sample Integrated Solution for Excel page
Figure 10
J.P. Morgan Access Data Download
Use the Data Download feature of the banking portal to reconcile accounts or perform extensive research on check activity. Data Download allows you to download disbursement transaction detail information in a CSV or QuickBooks format file (QBO).

To meet your reporting needs, determine filters from these options:

Account number
Transaction status category
Date paid
Effective date
Each request is tracked and delivered in your inbox on the online portal.

With activation of reconcilement service, you incur a monthly maintenance fee on your account analysis statement.
297

5.19. Implementation Plan | 80 |
File Transmission Reporting
Our File Transmission Reporting solution helps automate the delivery of account information to your ERP or treasury workstation system, expediting daily cash positioning, payment monitoring and reconcilement.

Balance and transaction reports are generated automatically for all of your accounts (based on time or event triggers) held with Chase. You may also receive multibank reporting for your U.S. accounts held at other banks.

File Transmission Reporting supports a variety of file formats for current-day and prior reports that integrate directly with your ERP or treasury workstation system, including:

BAI2/BTRS
ISO 20022 camt.052/053/054
Swift MT940/942
ASC EDI X12 821
CSV
We will be able to provide reporting data to you via a number of industry-standard transmission options, including:

5.19. Implementation Plan | 81 |
Enables decentralized organizations with disparate workstations to achieve automation goals and allows different departments to receive a subset or all of the data Industry standard formats with the flexibility of configurable options to match client format requirements
Monitor your transmissions and run ad hoc files and resend requests in J.P. Morgan Access Enables payables reconciliation with ACH item level reporting for aggregate settlement in BAI and ISO formats
Receivables and advising reports
Our File Transmission Reporting solution also offers a receipt processing service that consolidates remittance data from incoming payments into a single, file-based report.

How you benefit
Simplifies the receivables process—reduces cost and resources Reporting solution for ANSI EDI payment clients
Facilitates reconciliation of ACH, wire, and/or lockbox payments delivered within a single format, including remittance data
Flexible reporting options for information on both paper and electronic receipts Provides reporting on remittance detail not attached to transaction, rather sent directly to Chase Remittance detail does not need to be received by trading partners enabling standardization of formats and processes
Option to re-associate split payment and remittance information Reports available
The following reports are available through File Transmission Reporting:

5.19. Implementation Plan | 82 |
Reports delivered
Balance and Transaction Detail
Current Day Cumulative
Available for all accounts globally
Includes current day balances as
of the time the file was created
plus any transactions that have
occurred that business day
ISO 20022 v2m,
Swift MT942,
BAI2 and CSV
Balance and Transaction Detail
Current Day Incremental
Available for all accounts globally
Includes only accounts that reflect
new balances and/or transactions
since the last time a Current Day
Incremental file was sent to the
client
ISO 20022 v2,
Swift MT942,
BAI2 and CSV
Receivables and advising options
Payment Order/Remittance Advice
Available for U.S. and Canadian
accounts
Includes ACH and Wires plus
addenda information (not checks)
May be used for remittance reassociation and with Receivables Online
EDI 820
Balance and Transaction or CDA
Available for U.S. and Canadian
accounts
Includes full Balance and
Transaction reporting details, not
just receivables
Includes Controlled
Disbursements
EDI 821
Account Analysis
Available for U.S. accounts
Includes monthly account
analysis billing data
EDI 822
Check, ACH and Wire Data
Available for U.S. and Canadian
accounts
Includes lockbox with the option
to include ACH and wire
transaction and addenda
information
EDI 823
Host-to-Host Reporting self-service in J.P. Morgan Access Users entitled to Host-to-Host Reporting in J.P. Morgan Access by your security administrators have the ability to perform some reporting tasks through the self-service experience including:

Create new report setups. (Your client service associate will need to tie the new File Locator ID to your existing file transmission Partner ID/User ID.)
Edit existing report setups:

Add/remove accounts from reports that are already set up for transmission. (Your relationship team will be engaged to add accounts to the transmission product so they’re available for you to select.)
Add/update schedules.

Test new or existing file transmissions report setups without connectivity. 300

5.19. Implementation Plan | 83 |
Run reports on-demand.

Resend a report that was previously sent.

5.19. Implementation Plan | 84 |
Scannable Lockbox
Scannable Lockbox, also known as Retail Lockbox, is a solution powered by Receivables Online, which allows you to direct payments to one of our local processing centers where coupon-based payments are automatically collected, processed and deposited into your Chase bank account.

Speed up receipt of payments: By combining aggressive check clearing schedules and automated lockbox processing technology
Reduce processing costs: Save time and money with standardized coupon processing to help eliminate hours of manual entry and lower overhead costs Improve payment reconciliation: Cash application is simplified by combining lockbox and other payment types in a consolidated receivables file
Remote Cash Capture
We offer a Remote Cash Capture solution for the City to receive daily deposit credit for cash placed into a smart safe or cash recycler located on site at your business. Both types of safes incorporate U.S. dollar validation, counterfeit detection and software capabilities to provide online reporting. Our solution allows clients to contract and lease safes from Brinks, Loomis or Garda.

5.19. Implementation Plan | 85 |
wide range of investment options available, investment sweep services afford competitive returns while simultaneously providing fluid integration with the City’s operating accounts.

Convenience: Our automated investment sweeps can provide convenience and greater investment efficiency. Funds are automatically invested directly from the City’s account based on flexible investment parameters that you set—investing all or part of your daily balances.

The City can use our breadth of services, reputation, and financial strength and stability to help build upon the efficiency and value of your own cash management operation.

Sweep options
J.P. Morgan Money Market Funds (MMF)
Funds
J.P. Morgan U.S. Government Money Market Fund
J.P. Morgan U.S. Treasury Plus Money Market Fund
Share Class Morgan
Exposure
See prospectus for the specific fund selected.

Rating*
Sweep Type End-of-day
Timing Last transaction of the business banking day.

Return of Funds The morning of the next business day.

Interest/Dividends Dividends accrued daily paid monthly based on 365 day basis.

Current Yields Please refer to Appendix 12
Restrictions/Comments Additional fund information, as well as the fund prospectus can be found at:
www.jpmgloballiquidity.com. *Ratings were issued by Standard & Poor’s and Moody’s. Credit ratings are provided for information purposes only.

Credit ratings are solely the opinions of the rating agencies. Chase does not endorse, and accepts no responsibility for, the credit ratings issued by the rating agencies. Credit ratings may be changed, superseded or withdrawn by the rating agencies at any time.

5.19. Implementation Plan | 86 |
No cost services via our online portal
Notifications Event notifications, including Payment Needs Repair, Transaction Completed, Balance Threshold, User Pending Approval and many more (over 50) to help manage your accounts.

Integrated Solution for
Excel
A fully-integrated cash management tool using Excel.

Allows online portal users to auto-populate their own spreadsheets with balances and transactions, as well as initiate payments from their spreadsheets.

Transaction Services Provides 7 years of wire details for both incoming and outgoing USD wires.

Transaction Services Offers 15 months of historical ACH transaction information on all ACH originated and received payments.

Mobile Provides authorized users with mobile access to account activity, ability to deposit checks and approve wires, account transfers and book transfers payments.

You can register for training webinars via Access Help Center.

Online bank statements Provides retention for 7 years of bank statements.

Our Payments Insights app makes it easy for treasury, payments, marketing and technology professionals to discover the latest digital and connected commerce insights from our experts.

5.19. Implementation Plan | 87 |
APPLE
Scan with your phone or ctrl + click the QR code
to download from the Apple Store

ANDROID
Scan with your phone or ctrl + click the QR code
to download from Google Play

5.19.5.Sample Account Analysis Statement
Please see Appendix 13 for our Sample Account Analysis Statement.

5.19.6.Sample Reports
Please see Appendix 4 for J.P. Morgan Access Sample Reports.

5.19.7.Financial Statements and Ratings*
JPMorganChase is a well-capitalized institution with a rock-solid foundation. Both the firm and the bank are routinely rated by industry experts Moody’s, Standard & Poor’s and Fitch. Ratings are shown as of October 14, 2025.

JPMorgan Chase & Co. credit ratings – as of October 14, 2025 Moody's Standard & Poor’s Fitch
Outlook Positive Stable Stable
Long-term issuer rating A1 A AAShort-term issuer rating P-1 A-1 F1+ Senior Unsecured A1 A AASubordinated debt A3 A- A
Junior Subordinated Baa1 BBB BBB+
Trust Preferred Baa1 BBB BBB+
Preferred stock Baa2 BBB BBB+
JPMorgan Chase Bank, N.A. credit ratings – as of October 14, 2025 Moody's Standard & Poor’s Fitch
Outlook Stable Stable Stable
305

5.19. Implementation Plan | 88 |
JPMorgan Chase Bank, N.A. credit ratings – as of October 14, 2025 Moody's Standard & Poor’s Fitch
Long-term issuer rating Aa2 AA- AA
Short-term issuer rating P-1 A-1+ F1+
Senior Unsecured Aa2 AA- AA
Long-term domestic deposits Aa2 N/A AA+
Subordinated debt Aa3 A A+
These credit ratings are provided for information purposes only. Credit ratings are solely the opinions of the rating agencies. Chase does not endorse, and accepts no responsibility for, the credit ratings issued by the rating agencies.

Credit ratings may be changed, superseded or withdrawn by the rating agencies at any time.

For your convenience, we make our annual report and audited financial statements available through our website: https://www.jpmorganchase.com/corporate/investor-relations/annual-report-proxy.htm 306

7. Pricing Proposal | 89 |

7. Pricing Proposal

BALANCE AND COMPENSATION INFORMATION AND GENERAL ACCOUNT SERVICES Line Item Descriptio
n
City's Avg
Per Month
Fire
District
Avg per
Month
Quantity Unit of
Measure
Unit Cost Total
1 Deposit
Insurance
Charge
Balanced
Based
Charge
2393 1028 1 Unit Price $365.53 $365.53
2 Account
Maintenan
ce
2 Unit Price $25.00 $50.00
TOTAL $415.53

LOCKBOX SERVICES
Line Item Descriptio
n
City's Avg
Per Month
Fire
District
Avg per
Month
Quantity Unit of
Measure
Unit Cost Total
3 Lockbox
Monthly
Fee
1 0 1 Unit Price $300.00 $300.00
4 E-Lockbox
Monthly
Fee
1 0 1 Unit Price Not
included
based on Q
& A from
the City.

Not
included
based on Q
& A from
the City.
5 Lockbox
Scan
Imaging
1436 0 1 Unit Price 6 E-Lockbox
ACH Items
707 0 1 Unit Price Not
included
based on Q
& A from
the City.

Not
included
based on Q
& A from
the City.
7 Lockbox
Items
651 0 1 Unit Price .85 $553.35
8 Lockbox
Items
102 0 1 Unit Price .85 $86.70
307

7. Pricing Proposal | 90 |
without
Remittance
TOTAL $940.05

REMOTE DEPOSIT CAPTURE
Line Item Descriptio
n
City's Avg
Per Month
Fire
District
Avg per
Month
Quantity Unit of
Measure
Unit Cost Total
9 Remote
Deposit
Capture
Monthly
Fee
1 1 1 Unit Price $20.00 $40.00
10 Remote
Deposit
Capture
Items
326 19 1 Unit Price .15 $51.75
11 Monthly
Scanner
Lease Cost
1 1 1 Unit Price N/A N/A
12 Purchase
Cost of
Scanner
1 1 1 Unit Price See
attached
brochure on
types of
scanners
offered
See
attached
brochure on
types of
scanners
offered.

TOTAL $91.75

DEPOSITORY SERVICES
Line Item Descriptio
n
City's Avg
Per Month
Fire
District
Avg per
Month
Quantity Unit of
Measure
Unit Cost Total
13 Credits
and
Deposits
103 11 1 Unit Price $1.00 $114.00
14 Coin/Curre
ncy
Deposited
Currency
Per $1,000
Vault
Services
31307 65 1 Unit Price .50 $15.50
308

7. Pricing Proposal | 91 |
15 Checks
Deposited
RDC
Service
963 28 1 Unit Price .15 $148.65
16 Check
Return
Item
2 0 1 Unit Price 0.00 0.00
17 Armored
Car
Service -
Pickup
Days
12 0 1 Monthly
Fee

N/A N/A
TOTAL $278.15

PAPER DISBURSEMENT SERVICES
Line Item Descriptio
n
City's Avg
Per Month
Fire
District
Avg per
Month
Quantity Unit of
Measure
Unit Cost Total
18 Checks
and Debits
Paid
194 27 1 Unit Price .12 26.52
19 Deposit
Slips
Booklet
0 0 1 Unit Price N/A N/A
20 Stop
Payment
0 0 1 Unit Price 25.00
TOTAL $26.52

POSITIVE PAY SERVICES
Line Item Descriptio
n
City's Avg
Per Month
Fire
District
Avg per
Month
Quantity Unit of
Measure
Unit Cost Total
21 Positive
Pay
Monthly
1 1 1 Unit Price $15.00 $30.00
22 Payee
Positive
Pay
Monthly
1 1 1 Unit Price .01 $2.21
309

7. Pricing Proposal | 92 |
Payee
Name per
item
23 Positive
Pay Items
Image
Capture per
Item
194 27 1 Unit Price .0450 $9.95
24 Payee
Positive
Pay Items
Image
Storage per
Item
194 27 1 Unit Price .03 $6.63
TOTAL $48.79

ACH SERVICES
Line Item Descriptio
n
City's Avg
Per Month
Fire
District
Avg per
Month
Quantity Unit of
Measure
Unit Cost Total
25 ACH
Received
Debit/Credi
t
283 39 1 Unit Price .10 $32.20
26 ACH
Origination
Return
Item
1 0 1 Unit Price $1.00 $1.00
27 ACH Item
1-100
100 50 1 Unit Price .10 $15,00
28 ACH Item
101-500
399 0 1 Unit Price .10 $39.90
29 ACH Item
501-1000
74 0 1 Unit Price .10 $7.40
30 ACH
Origination
J.P.

Morgan
Access
ACH Per
Account per
Month
1 1 1 Unit Price $10.00 $20.00
31 ACH Files 10 2 1 Unit Price
310

7. Pricing Proposal | 93 |
See J.P.

Morgan
Access
ACH
TOTAL $115.50

WIRE TRANSFER SERVICES
Line Item Descriptio
n
City's Avg
Per Month
Fire
District
Avg per
Month
Quantity Unit of
Measure
Unit Cost Total
32 Incoming
Wire
1 0 1 Unit Price $5.00 $5.00
33 Outgoing
Wire
1 0 1 Unit Price $5.00 $5.00
TOTAL $10.00

ELECTRONIC BANKING SERVICES
Line Item Descriptio
n
City's Avg
Per Month
Fire
District
Avg per
Month
Quantity Unit of
Measure
Unit Cost Total
34 Online
Banking
Services
Monthly
Per Client
Monthly
1 0 1 Unit Price $10.00 $10.00
35 Online
Banking
Services
Add'l
Account
Per Account
Monthly
0 1 1 Unit Price $10.00 $20.00
TOTAL $30.00
311

7. Pricing Proposal | 94 |

OTHER ITEMS NOT LISTED
Please upload separate sheet for additional items
Line Item Description Quantity Unit of
Measure
Unit Cost Total No Bid
36 Additional
Item
J.P. Morgan
Access 2 year
Transaction
History
Unit Price 0.32 $212.48
TOTAL
Please see our Pro Forma analysis in Appendix 10 for additional fees and services. 312
Document Review | 95 |
Document Review
Please keep in mind Chase requires execution of all applicable account opening documents, as well as all relevant product and service agreements. Sample documents are provided in Appendices. These sample documents are provided for the City reference only to review as part of your evaluation of this proposal and these documents may be modified by us from time to time. As such, they are intended for your review only and are not meant to be marked up or redlined.

Please refer to the applicable account agreements and service terms below:

Deposit Account Agreement: https://www.chase.com/business/disclosures Additional Banking Services and Fees, Product Features and Addendum:
https://www.chase.com/business/disclosures
Consolidated Service Terms are included in Appendix 14
Know Your Customer (KYC)
Chase is required to know its customer and to adhere to policies and procedures intended to meet those regulatory requirements that apply to safety and soundness and to fight against the funding of terrorism, money laundering and sanction related activities including performing certain transaction screenings. This means we will request information about the City and its management and those having authority to transact business with Chase in order for us to comply with its policies and procedures. This is an ongoing requirement and the provision of services pursuant to this proposal and any additional products or services that may be requested is subject to and conditioned upon the ongoing satisfaction of those policies and procedures and compliance by the City with applicable law with respect to the services provided and Chase’s policies of which the City is informed.

Exceptions to the Account and Service Terms and Conditions Chase has identified below the requirements, terms or conditions that we respectfully request be modified in accordance with our recommended revisions. We are willing to discuss mutually agreeable modifications to the contract terms. The proposed changes are indicated by comments in plain gray font, additions in italic, underlined, black bold text and deletions by strikethrough, red text. A. General Information The City reserves the right to retain all proposals submitted and to use any idea(s) in a proposal regardless of whether that proposal is selected. Submissions of a proposal indicates acceptance by the firm of the conditions contained in the request for proposals, unless clearly and specifically noted in the proposal submitted and confirmed in the contract between the City and the Firm selected.

B. Term of Contract
It is the intent of the City to contract for the services presented herein for a term of five (5) years with the option to renew it for additional three-year periods at the sole discretion of the City. The City desires fixed pricing for the five-year contract period. Prices in subsequent years shall be negotiated based on satisfactory customer service.

All pricing quoted in this response to RFP will remain fixed for an initial period of three (3) years (Initial Period).

After the initial period, pricing, fees and terms are subject to mutual negotiation of the parties.

Award of Contract
The selected bank shall be required to enter into a written contract with the City in a for approved by legal counsel for the City. This RFP and the proposal, or any part thereof, may be incorporated into and made a part of the final contract. The City reserved the right to negotiate the terms and conditions of the contract with the selected proposer.

If Chase is the successful bidder, the award will be subject to the Chase deposit account agreement, the bank’s standard terms and conditions for the services provided both as may be amended from time to time, and any modifications by Chase as provided in this response to RFP (Chase Terms). Chase does not require a separate written contract with the City; however, any contract required by the City will be subject to and incorporate by reference the Chase Terms.
314
Disclosure statement | 97 |
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 JPMorgan Chase Bank, N.A. (“Chase”) or one of its banking affiliates. Chase is a subsidiary of JPMorgan Chase & Co. This document contains information which is confidential and proprietary to Chase, that may only be used in order to evaluate the products and services described herein and may not be disclosed to any other person.

Neither this document nor any of its contents may be used for any other purpose without the prior written consent of Chase. Chase makes no representations as to the legal, regulatory, tax or accounting implications of the matters referred to in this document.

Chase is the marketing name for Consumer and Community Banking including Business Banking lending and deposit services activities. All cash management arrangements, including pool implementations, are subject to the satisfaction of legal, tax and credit due diligence. Chase 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 agreement or pooling arrangement. The information herein does not purport to set forth all applicable issues and is not intended to constitute advice on legal, tax, investment, accounting, regulatory or any other matters. Chase makes no representations as to such matters or any other effects of any transaction and shall have no responsibility or liability to you with respect thereto. You should consult with your own advisors regarding such matters and the suitability, permissibility and effect of any transaction.

In no event shall Chase nor any of its directors, officers, employees or agents be liable for any use of, for any decision made or action taken in reliance upon, or for any inaccuracies or errors in, or omissions from, the information herein. The information herein is not intended as nor shall it be deemed to constitute advice or a recommendation regarding the issuance of municipal securities or the use of any municipal financial products. Chase is not providing any such advice or acting as the Agency’s agent, fiduciary or advisor, including, without limitation, as a Municipal Advisor under Section 15B of the Securities and Exchange Act of 1934, as amended. 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.

Chase 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 Chase. Chase also requires execution of all applicable product and service agreements.

This document may contain information that is confidential and/or proprietary to Chase and JPMorgan Chase & Co. Such information may not be copied, published or used, in whole or in part, for any purpose other than as expressly authorized by Chase.

Additionally, this document may contain content pertaining to Chase and JPMorgan Chase & Co. initially generated by AI or other automated technologies. © 2025 JPMorgan Chase Bank, N.A. All Rights Reserved. JPMorgan Chase Bank, N.A. Member FDIC. Deposits held in non-U.S. branches are not FDIC insured.

Chase supports sustainable business practices and adheres to the principles of environmental sustainability wherever possible.

Do not remove section break below or footer text, page numbers and margins will be wrong. 315

ERIC MOURADIAN
Relationship Manager
796 E Shaw Ave, Floor 02
Fresno CA, 93710
(559) 490-0515
[email protected]

GRACE CASTLE, CTP
Sr. Cash Management Consultant
420 Throckmorton St, Floor 04
Fort Worth TX, 76102-3700
(817) 856-3181
[email protected]
316
Appendices
Proposal for
City of American Canyon
317
Appendix 1
Community Impact
318
We go beyond banking to help create a stronger economy through education, sustainability and programs designed to lift up local communities.

Making a difference in the community
1 Our commitment to community
Across the U.S., Chase Community Centers serve as local hubs where Community Managers connect with leaders and organizations in underserved areas, providing financial workshops and resources tailored to community needs.

Strengthening communities through entrepreneurship
We help build stronger neighborhoods and expand economic opportunities by investing in small businesses in underserved communities. Our Senior Business Consultants provide one-on-one consulting and executive coaching to help entrepreneurs across the U.S. reach their business development goals.

Environmental sustainability
We help power the economy, supporting affordable, secure energy to help facilitate a transition to a low-carbon economy. Our expertise, capital, data and resources support clients with diverse financing and investment solutions to help them achieve their business and sustainability goals.

Comprehensive solutions
We're here to help you every step of the way with a broad range of banking services, digital banking tools and local branches.

Community
Choosing Chase helps put you in the right place for
success. With our global scale and deep local
engagement, we’re uniquely equipped to help do more
for your business and your community. We not only have
a local presence, but also programs that make a
difference.

GoodWorks
Our global volunteer program helps make a positive impact in areas where you live and work. Every JPMorganChase line of business, team or employee can identify and organize give-back opportunities that help make a meaningful
difference. We actively work with local not-for-profits on service projects.

Tech for Social Good
Our hackathons bring together change-makers and
not-for-profit organizations to solve real-world problems.

We use technology and data to inspire change, foster
inclusion and help make a difference in your community.

Find additional corporate responsibility features on
impact,1
government deposits2 and nonprofit banking.3
Corporate responsibility
Bradly Johnson
Interim CEO, BUILD
Chase for Business customer
Participants compensated
319

1. https://www.jpmorganchase.com/impact

2. https://www.jpmorgan.com/industries-we-serve/public-sector/government

3. https://www.jpmorgan.com/industries-we-serve/public-sector/not-for-profit The information herein is not intended as, nor shall it be deemed to constitute advice or a recommendation regarding the issuance of municipal securities or the use of any municipal financial products. Chase is not providing any such advice or acting as the Organization/Agency’s agent, fiduciary or advisor, including, without limitation, as a Municipal Advisor under Section 15, Chapter 2B of the Securities and Exchange Act of 1934, as amended. The Organization/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. You should consult with your own advisors regarding such matters and the suitability, permissibility and effect of any transaction.

For informational/educational purposes only: These views may differ from other employees and departments of JPMorgan Chase & Co. Views and strategies described may not be appropriate for everyone and are not intended as specific advice/recommendation for any individual. You should carefully consider your needs and objectives before making any decisions and consult the appropriate professional(s). Outlooks and past performance are not guarantees of future results.

JPMorgan Chase Bank, N.A. Member FDIC. Equal Opportunity Lender. ©2025 JPMorgan Chase & Co.
2 11/2025 — CRM-3057
320
Appendix 2
Efforts in Solano and Napa
County
321
Efforts in Napa County from 10/24-9/25
Employees Residing 46
Employees Working 33
Consumer Customers 43321
Small Business Customers 4725
Goods and Services Purchased $2872603.97
Branches 3
ATMs 7
FDIC Deposit Market Rank – Uncapped 1
FDIC Deposit Market Share – Uncapped 19.9173%
FDIC Deposit Market Rank – Capped 1
FDIC Deposit Market Share – Capped 19.9173%
Employee Volunteer Hours 2
Financial Health Events 1
Non-Profit Contributions (2019-2025) $546588.56
Career and Service Skills Support (2019-2025) $85422.91 Financial Health and Wealth Creation Support (2019-2025) $12500.00 Community Development Support (2019-2025) $297703.08
Business Growth and Entrepreneurship Support (2019-2025) $39333.34 Non-Profits Supported (2019-2025) 36
Career and Service Skills Non-Profits (2019-2025) 5
Financial Health and Wealth Creation Non-Profits (2019-2025) 1 Community Development Non-Profits (2019-2025) 9
Business Growth and Entrepreneurship Non-Profits (2019-2025) 2 Chase provided a $28.1 million construction loan for 90-unit affordable housing project in Napa, CA, comprising Heritage House (66 units) and Valle Verde (24 units). Abode Services will assist tenants, with 44 units for homeless individuals. Chase provided $50 million loan for a 186-unit affordable housing project in American Canyon, CA, led by CVCAH targeting households at or below 60% AMI, with funds for lease-up and stabilization. 322
Efforts in Solano County from 10/24-9/25
Employees Residing 125
Employees Working 74
Consumer Customers 134,044
Small Business Customers 7566
Goods and Services Purchased $923770.19
Branches 7
ATMs 18
FDIC Deposit Market Rank – Uncapped 3
FDIC Deposit Market Share – Uncapped 19.6705%
FDIC Deposit Market Rank – Capped 3
FDIC Deposit Market Share – Capped 19.6705%
Employee Volunteer Hours 20
Financial Health Events 1
Non-Profit Contributions (2019-2025) $716767.54
Career and Service Skills Support (2019-2025) $172922.90 Financial Health and Wealth Creation Support (2019-2025) $12500.00 Community Development Support (2019-2025) $308702.08
Business Growth and Entrepreneurship Support (2019-2025) $54333.34 Non-Profits Supported (2019-2025) 42
Career and Service Skills Non-Profits (2019-2025) 6
Financial Health and Wealth Creation Non-Profits (2019-2025) 1 Community Development Non-Profits (2019-2025) 9
Business Growth and Entrepreneurship Non-Profits (2019-2025) 3 323
Appendix 3
Remote Deposit Capture
Scanner Guide
324
Remote Capture
Scanner Ordering Guide
A step-by-step guide on how to order your J.P. Morgan Remote Capture compatible scanner. 325

REMOTE CAPTURE SCANNER ORDERING GUIDE

Page 2 of 6 ends

All services are subject to applicable laws and regulations and service terms.

Scanner Online Store
J.P. Morgan has partnered with Superior Press to host an online store for J.P. Morgan Remote Capture clients to purchase recommended scanners. The online store allows you to:

Select and compare scanners to see details and pricing
Order both scanners and supplies in a single shopping cart Manage shipping and billing addresses
Pay using a credit card or ACH debit
Receive order confirmations and tracking information
Orders completed using the online store before 5:00 p.m. ET will be processed the same day. Orders can be placed using your computer or mobile device.
https://secure.superiorpress.com/CSL/jpm.aspx
Recommended Desktop Scanners for Purchase
J.P. Morgan is pleased to offer a curated selection of scanners that enable you to f ind the scanner that f its your needs, while providing the best overall experience when using Remote Capture. All recommended scanners are available for purchase f rom the Superior Press Online Store.
326

REMOTE CAPTURE SCANNER ORDERING GUIDE

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All services are subject to applicable laws and regulations and service terms.

Other Supported Desktop Scanners:

In addition to the recommended scanner options, Remote Capture supports other scanner types that can be purchased f rom your preferred fulf illment vendor:

Burroughs SmartSource Adaptive (Check & Document)
Epson WorkForce DS-770 (Check & Document)
Panini Vision X 50 / 50 (Check Only)
Panini Vision X 75 / 100 (Check Only)
Panini I: Deal (Check Only)
How to Place an Online Order
Step 1: Log onto the scanner online store
https://secure.superiorpress.com/CSL/jpm.aspx
The online store can be accessed by typing the
above URL into your browser or available through a
link on the Remote Capture Resource Center
Returning Users - enter your user name
and password then select “Log In” to
proceed.

First Time Users- select “continue” button
to proceed.

Note: Tax Exempt Buyers – Prior to placing
an order, contact Superior Press client
services at 888-234-9425, Mon- Friday
10:30am – 8:00pm (EST). Please be prepared
to provide a tax-exempt certificate. Step 2: Select your product Select Remote Deposit to order scanners
Select Remote Deposit supplies to order
scanner supplies
Step 3: Add Items to Shopping Cart
Choose your scanner or scanner supply
f rom the list available
To view additional scanner detail and
specification click “More Details” button
below the scanner
Select “Order It” or “Order Now” to add item
to shopping cart
Click on the “Home” or “Remote Deposit”
on the top lef t of the page to add additional
items to the cart
All scanners include a bundle warranty.

Warranty information is displayed on the
screen after clicking “Order It”
A B
C D
A
B
C
D
327

REMOTE CAPTURE SCANNER ORDERING GUIDE

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All services are subject to applicable laws and regulations and service terms.

Step 4: Shopping Cart
Like other popular ecommerce websites,
the shopping cart allows you to purchase
multiple items in a single checkout
including multiple scanners, and / or
scanner supplies
The shopping cart can be accessed
anytime you add a new item to your cart or
by selecting “Shopping Cart” in the top right
corner of the screen.

Step 5: Checkout
Once you have added all of the items you
wish to purchase to your shopping cart, you
are ready to checkout
Click “Checkout” to pay for items in
shopping cart
Step 6: Shipping and Account Information
Enter your shipping information including
an email address where you would like
notifications to be sent
Choose your preferred shipping method.

Available options are UPS ground, 3 Day
Select, 2nd Day Air and Next Day Air
First time users will need to create a
username and password under the “New
Account Information”
Note: First time users will also have to set
security questions before continuing to
billing; a pop-up will appear
Step 7: Enter Billing Information
Select Payment Type: Credit Card or Debit
Account (ACH debit)
Note: Credit Card allows faster processing.

For ACH debit you may need to update
your ACH Debit Block to allow debits from
Superior Press Company ID 1954439518
Agree to Terms & Conditions
Enter Billing Information
Click “Review Your Order” to proceed
E
F
F
E
328

REMOTE CAPTURE SCANNER ORDERING GUIDE

Page 5 of 6 ends

All services are subject to applicable laws and regulations and service terms.

Step 7: Confirm Your Order
Before you complete your order you have
the opportunity to modify any of the
information previously provided
When ready, select the confirm checkbox
and click “Place Order Now”
You must complete the purchase process
to save all entered information (shipping,
billing, etc.) and successfully create your
account for future purchases
Step 8: Order Receipt
After the order has been placed the system
will provide you a 7-digit Superior Press
order number
329

REMOTE CAPTURE SCANNER ORDERING GUIDE

Page 6 of 6 ends

All services are subject to applicable laws and regulations and service terms.

SUBJECT: [Scanner Model]
Thank you for ordering the [Scanner Model] check scanner. We are pleased to inform you that your order has been processed and will be shipping today via [UPS 2nd Day Air] to the attention of [Name] located at [Shipping Address].

Your UPS Tracking Number is: [ ]
The serial number of your device is: [ ]
If you have any questions regarding this order or if there is an error in any of the information noted in this correspondence, immediately contact Superior Press between 7:30 AM and 5:00 PM Pacific Standard Time at 888 -234-9425 and reference job # [ ].

For drivers and installation guides, visit the J.P. Morgan Remote Capture Resource Center at https://www.jpmorgan.com/country/US/en/ts/remote-captureresource-center. If you have questions regarding Remote Capture, please contact your relationship officer or Access Support at 866-872-3321.

We appreciate your business and look forward to assisting you in the future with all of your financial needs.
********************************************************************* This is a post-only mailing. Please do not respond to this message.

Shipping Confirmation Email
Once your order has been shipped by Superior Press, you will receive an e-mail confirmation containing the details of your scanner including a tracking number and device serial number(s).

Support
Order Inquiries
If you require any assistance with your orders, please contact Superior Press at 888-234-9425 (Fax: 562-948-4966) f rom 10:30AM to 8PM EST, Monday through Friday.

Scanner Drivers & Installation Guides
The Remote Capture Resource Center is J.P. Morgan website that provides you with direct access to a number of Remote Capture resources including video demonstrations, quick help guides and scanner drivers for easy installation.
https://www.jpmorgan.com/country/US/en/ts/remote-capture-resource-center Remote Capture Technical Support
For assistance using Remote Capture including login support and feature troubleshooting, please contact Access Support (TSG) at 866-872-3321.
330
Appendix 4
J.P. Morgan Access Sample
Report
331
P
332
333
2T P P2T
334
34T 34T
34T 34T
34T 34T
34T 34T
34T 34T
34T 34T
34T 34T
34T 34T
34T 34T
34T 34T
34T 34T
34T 34T
335
34T 34T
34T 34T
34T 34T
34T 34T
34T 34T
34T 34T
34T 34T
34T 34T
34T 34T
34T 34T
34T
34T 34T
34T 34T
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360
361
Appendix 5
Availability Schedule
362
363
The funds availability of checks deposited is based on the financial institution where the check is drawn.

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.

J.P.Morgan Remote Deposit Capture - (VR-RDC)
Availability Schedule Policy
364
Availability is shown in Current Day Cycle
Groupings Description Deadline* Avl Fraction
JPMC Nationwide On Us See "Summary" page 10:00 PM 0 100% JPMC Nationwide Controlled Disbursement See "Summary" page 10:00 PM 1 100% 0000-0020, 0119, 0800 Postal Money Orders 10:00 PM 1 100% 0000-0051 US Treasury 10:00 PM 1 100%
0000-9000 Savings Bonds 10:00 PM 1 100%
All others Domestic Institutions 10:00 PM 1/2 95%/5%
*Deadlines are Eastern Standard Time

J.P.Morgan Remote Deposit Capture - (VR-RDC)
365
Summary
JPMC Nationwide On Us RTs
0210 0002 0440 0003 0750 0001 1130 0767
0210 0012 0519 0036 0830 0013 1221 0002
0211 0036 0610 9238 1020 0101 1232 7197
0212 0233 0654 0013 1030 0064 1240 0154
0212 0271 0710 0001 1070 8955 2631 8986
0212 7272 0710 0077 1110 0061 2670 8413
0213 0046 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
JPMC Nationwide CD RTs
0213 0937 0441 1544 0724 1292
0220 0084 0652 0475 0759 0272
0311 0026 0719 2322 1113 0088
366
Appendix 6
J.P. Morgan Access
Technology Checklist
367
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 J.P. Morgan 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 Access® Online Technology Checklist
Refer to this checklist for system recommendations to ensure the best performance using J.P. Morgan Access.

For optimal system performance, we suggest using a certified browser listed below.

Requirements for Optimal Performance Valid as of: September 2025 Operating System & Browser Recommendations
For a p
Recommended: Microsoft Edge and Windows® 10
Application
Windows® 10 Windows® 11 Apple® MacOS® 14, 15
Chrome
v121 to
132
Firefox®
v121 to 134
Microsoft
Edge
v121 to 132
Chrome
v124 to 132
Firefox®
v125 to 134
Microsoft
Edge
v124 to 132
Safari® v18
Broaden Search & Inquiries
Access Manager
Analytics
Login & Authentication
Dashboard & Help
Liquidity Solutions
TS Payments
ITC
Reporting & Statements
Statement Center
Virtual Assistant
Virtual Branch
Cash Flow Intelligence Last Certified January 2024
Digital Onboarding Last Certified January 2024
FX Access Last Certified January 2024
Checks Last Certified January 2024
eServe Last Certified March 2023
Access Insight N/A Recommended: Microsoft Edge and Windows® 10 Application
Windows® 10 Windows® 11 Apple® MacOS® 12, 13,14
Chrome
v121, 122,
123, 124,
125, 126,
127, 128
Firefox®
v121, 122,
123, 124,
125, 126,
127, 128,
129
Microsoft
Edge
v121, 122,
123, 124,
125, 126,
127, 128
Chrome
v124, 125,
126, 127,
128
Firefox® v125, 126,
127, 128,
129
Microsoft
Edge
v124, 125,
126, 127,
128
Safari®
V17.6,

18.31 Microsoft
Edge
v122, 123,
1242 Chrome
v125, 126,
1273 Receivables Online & Remote Capture V115 117 V114-117 V114-116 V113-116 V114-116 V112-115 Host-to-Host Online Global ACH (GACH)
ACH File Warehouse
Last Certified January 2024
ACH Services U.S.

Craton
Continuous Linked Settlement
Electronic Specialty Account Portal
Counterparty Portal
Trade Channel
Healthcare Link
Supply Chain Financing
Virtual Account Management
368
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.

J.P. Morgan Access® Online Technology Checklist
Footnotes 1. Safari V18 certified on MacOS 15, 14, 13.

2. Edge v125, 126, 127 certified on MacOS 12 & 13 only.

3. Chrome v125, 126, 127 certified on MacOS 12 & 13 only.

Operating Systems & Browsers Applications that do not have a current certification update may not be compatible with the following older versions:

Outdated browser versions of Chrome v111 & older; Firefox v112 & older; Edge v111 & older; and Safari v14 & older are no longer supported for use with J.P. Morgan Access Online. You can still use Access, although you may have a suboptimal experience by using an outdated browser.

Applications certified with the current cycle may not be compatible with the following versions:

Outdated browser versions of Chrome v120 & older; Firefox v120 & older; Edge v120 & older; and Safari v16 & older are no longer supported for use with J.P. Morgan Access Online. You can still use Access, although you may have a suboptimal experience by using an outdated browser.

As of October 1, 2023, Windows 7 & 8.1 Operating System will no longer be supported by J.P. Morgan Access. Work with Morgan Access Online users are using an approved browser. Please refer to page 1 of this document for the current list of supported browsers and operating systems. This document is always available on J.P. Morgan Access Help > Download Guides > J.P. Morgan Access Online Technology Checklist.

As of January 22, 2021, Microsoft Internet Explorer 11 browser is no longer supported by J.P. Morgan Access. Please work J.P. Morgan Access Online users are using an approved browser. Refer to page 1 of this document for the current list of supported browsers and operating systems. This document is always available on J.P. Morgan Access Help > Download Guides > J.P. Morgan Access Online Technology Checklist.

Cookies The browser must allow cookies to be created and retained on the workstation. If your browser does not allow cookies to be retained on the workstation, you may be required to register your machine each time you log in.

Work with your IT department to make the necessary adjustments.

Other Software Compression software (e.g., WinZip®; SecureZIP for Windows) may be required to export reports and files. Microsoft . J.P. Morgan Insight is compatible with Microsoft Office 365 Excel on Windows 10 OS.

Workstation Memory: 4 GB RAM or higher is recommended, 2 GB RAM minimum.

Disk Space: Recommended: 10 GB free space available.

Monitor: 1280 x 1024 resolution or higher, 16-bit color or higher is recommended.

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 café.

J.P. Morgan strongly recommends that user workstations be regularly updated with operating system and browser security updates.

Complete regular virus scans.

Email Filtering J.P. Morgan email domains should not be blocked: @chase.com, @jpmchase.com, @jpmorgan.com Network Proxy The following settings typically apply to networkbrowser settings. To enable connectivity to J.P. Morgan Access, ensure that your IT team configures your network proxy solution to allow access to the following domains:
*.jpmorgan.com
*.jpmorganaccess.com
*.jpmacontent.com
*.jpmorgan.bank.in
Transport Layer Security Work with your IT department to ensure that your browser supports Transport Layer Security protocol v1.2 (TLS 1.2 or higher), or you may experience connectivity issues when logging in to J.P. Morgan Access Online.

Contact Support For Local Help Desk numbers, click the on the J.P. Morgan Access Login page. 369
Appendix 7
Resiliency Letter
370
1 | P a g e
Copyright © 2025 JPMorganChase. All rights reserved. This document contains information that is confidential and is the property of JPMorganChase. It may not be reproduced, distributed, or used, in whole or in part, for any purpose other than as expressly authorized by JPMorganChase. All services are subject to applicable laws, regulations, and services terms. All trademarks, trade names and service marks appearing herein are the property of their respective owners.

371
2 | P a g e
Copyright © 2025 JPMorganChase. All rights reserved. This document contains information that is confidential and is the property of JPMorganChase. It may not be reproduced, distributed, or used, in whole or in part, for any purpose other than as expressly authorized by JPMorganChase. All services are subject to applicable laws, regulations, and services terms. All trademarks, trade names and service marks appearing herein are the property of their respective owners.
372
Appendix 8
ARP Issue File Layout Sample
373
374
Appendix 9
Sample Implementation
Schedule
375
ID % Complete Task Name Resource Names Duration
0 0% Client Implementation Plan 153 days
1 0% Initiation 3 days
2 0% Review initial project scope JPMorgan 1 day
3 0% Schedule Kick-off Call JPMorgan 2 days
4 0% Planning 6 days
5 0% Conduct Project Kick-off Call 1 day
6 0% Define and confirm project scope JPMorgan,Client 1 day 7 0% Review and confirm project timeline JPMorgan,Client 1 day 8 0% Review KYC requirements JPMorgan,Client 1 day
9 0% Review documentation requirements JPMorgan,Client 1 day 10 0% Gather Product Requirement Information 5 days
11 0% Provide/Review product requirements JPMorgan 1 day 12 0% Complete/confirm detailed product requirements JPMorgan,Client Primary Contact
4 days
13 0% Execution 137 days
14 0% Account Opening 14 days
105 0% US Account Opening 14 days
106 0% Know Your Customer (KYC) Approval 12 days
107 0% Complete and return KYC requirements Client Primary Contact 2 days 108 0% Complete KYC Approval JPMorgan 10 days
109 0% Complete Account/Product Documentation 8 days
110 0% Provide account/product documentation requirements JPMorgan 1 day 111 0% Complete and return account/product documentation Client Signers 5 days 112 0% Review and process account/product documents JPMorgan 2 days 113 0% Account Opening 2 days
114 0% Open account(s) and provide account information JPMorgan 2 days 115 0% Product Documentation (Incremental Only - Adding product to existing accounts) 8 days 120 0% Product & Service Setup 136 days
143 0% JPMorgan Access - New Profile Setup (Account Transfer, ACH, Reporting, Wires, Statements)
21 days

Page 1 ends

376
ID % Complete Task Name Resource Names Duration
144 0% Create new Access profile and add core products (Account Transfer, ACH, Reporting, Wires, Statements)
JPMorgan 10 days
145 0% Order Hard tokens for Security Administrators (if applicable) JPMorgan 2 days 146 0% Security Administrators Log onto JPMorgan Access Client Security Administrators
2 days
147 0% Entitle Access users JPMorgan,Client Security
Administrators
3 days
306 0% JPMorgan Access Checks 31 days
307 0% Add Checks product to accounts (Positive Pay, ACH Filter, Inquiry/Stop/Photo, etc.) JPMorgan 3 days 308 0% Entitle Users Client Security Administrators2 days 313 0% ACH Transaction Blocking 28 days
314 0% Gather any allowable ACH Company IDs Client Primary Contact 2 days 315 0% Create Blocking Profile(s) Client Checks Users 2 days 316 0% Positive Pay 18 days
317 0% Create Email Notification Groups Client Checks Users 2 days 318 0% MICR & Payee Verification Testing 13 days
319 0% Provide MICR Specification Checklist & Testing Instructions JPMorgan 1 day 320 0% Provide Positive Pay and Payee Name Verification (PVE) Testing Instructions JPMorgan 1 day 321 0% Order Check Stock (if applicable) Client Primary Contact 5 days 322 0% Send batch of test checks to JPMorgan Client Primary Contact 5 days 323 0% Perform MICR and Payee Verification Testing and provide feedback JPMorgan 2 days 324 0% Positive Pay & Payee Name Verification Activation 3 days 325 0% Submit First Check Issue File in Production Client Checks Users 1 day 326 0% Confirm Receipt of Production Check Issue File JPMorgan 1 day 327 0% Activate Positive Pay service and Payee Verification Client Checks Users 2 days 340 0% Check Transmission Setup 82 days
341 0% Engage technical resources for technical setup and testing JPMorgan,Client Primary Contact
3 days
342 0% Transmit Test Check Issue File to JPMorgan Client Technical Contact 2 days 343 0% Provide Test Feedback JPMorgan 1 day
344 0% Provide Test Check Paid and/or Image File (if applicable) JPMorgan 2 days

Page 2 ends

377
ID % Complete Task Name Resource Names Duration
345 0% Perform Additional Testing (if applicable) Client Technical Contact 2 days 346 0% Sign-off on File Testing JPMorgan,Client Primary Contact,Client Technical
Contact
1 day
347 0% Move Check transmissions into production JPMorgan 5 days 348 0% Submit First Check Issue File in Production Client Technical Contact 1 day 349 0% Activate Positive Pay Service and Payee Verification (if applicable) Client Checks Users 2 days 350 0% Confirm Receipt of Production Check Issue File Client,JPMorgan 2 days 391 0% ACH Receiver Services/eLockbox 123 days
392 0% Secure Technical Resources for setup and testing JPMorgan,Client Primary Contact 5 days 393 0% Finalize setup details & review ACH file specifications JPMorgan,Client Technical Contact 14 days 394 0% Complete custom programming for ACH Receiver Services (if applicable) JPMorgan 20 days 395 0% Provide test data Client Primary Contact 5 days
396 0% Create and send test file via connectivity JPMorgan 5 days 397 0% Test file and provide feedback Client Technical Contact 5 days 398 0% Sign-off on file testing JPMorgan,Client Primary Contact,Client Technical Contac 1 day
399 0% Test connectivity in production environment JPMorgan,Client Technical Contact 2 days 400 0% Activate ACH Receiver Service in production JPMorgan 21 days 401 0% Transmit Production Verification Testing (PVT) ACH File Client Primary Contact 2 days 402 0% Confirm receipt of PVT file JPMorgan 50 days
507 0% Cash Vault Services 6 days
508 0% Setup Cash Vault Services JPMorgan 1 day
509 0% Order Supplies Client Primary Contact 5 days
510 0% Provide Client with VRU or Web Instructions (if applicable) JPMorgan 2 days 624 0% End of Day Investment Sweep 5 days
625 0% Setup end of day investment sweep JPMorgan 5 days 878 0% Host-to-Host Direct Transmission (Reporting) 48 days 879 0% Create New File Locator ID JPMorgan 1 day
880 0% Add account(s) to File Locator ID JPMorgan 1 day 881 0% H2H Direct Transmission Testing 46 days
882 0% Engage technical resources for technical setup and testing JPMorgan,Client Primary Contact 3 days

Page 3 ends

378
ID % Complete Task Name Resource Names Duration
883 0% Send Test File JPMorgan 5 days
884 0% Confirm File Received & Sign off on testing Client Technical Contact 5 days 885 0% Move into Production JPMorgan 5 days
886 0% Transmit First Production File JPMorgan 1 day
887 0% Confirm Receipt of First Production File Client Technical Contact 1 day 952 0% Lockbox 109 days
953 0% Wholesale Lockbox Setup with Receivables Online 7 days 954 0% Reserve lockbox location and number JPMorgan 1 day 955 0% Open lockbox JPMorgan 5 days
956 0% Create new Receivables Online portal JPMorgan 5 days 957 0% Complete user and entitlement setup for Receivables Edge Client Security Administrators1 day 963 0% Consolidated Receivables 5 days
964 0% Establish Consolidated Receivables JPMorgan 5 days 986 0% Remote Lockbox Deposit 11 days
987 0% Setup remote lockbox deposit JPMorgan 5 days
988 0% Order Scanner Equipment from Vendor Client Primary Contact 1 day 989 0% Complete Scanner & Software Installation Client Technical Contact 5 days 990 0% Remote Deposit Capture (RDC) 76 days
991 0% Provide Scanner Comparison Guide JPMorgan 1 day
992 0% Order scanner from vendor Client Primary Contact 1 day 993 0% Reserve RDC number JPMorgan 2 days
994 0% Add RDC to account(s)/profile JPMorgan 5 days
995 0% Complete scanner & software Installation Client Technical Contact 3 days 996 0% Wholesale Transmission Setup 103 days
997 0% Engage technical resources for technical setup and testing JPMorgan,Client Primary Contact 2 days 998 0% Review and approve requirements document Client Primary Contact,Client Technical Contact 5 days 999 0% Review and approve file format Client Primary Contact,Client Technical Contact 3 days 1000 0% Provide sample test documents Client Primary Contact 5 days 1001 0% Obtain Approvals (if needed) 5 days
1002 0% Obtain non-standard approvals JPMorgan 5 days
1003 0% Obtain approval for custom coding JPMorgan,Client Technical Contact,Client Primary Contac 5 days

Page 4 ends

379
ID % Complete Task Name Resource Names Duration
1004 0% Submit programming request JPMorgan 3 days
1005 0% Transmission Development - Standard JPMorgan 20 days 1006 0% Transmission Development - Custom Coding (additional timeframe if applicable) JPMorgan 25 days 1007 0% Cycle 1 Testing 10 days
1008 0% Create & provide test file #1 JPMorgan 5 days
1009 0% Test File and Provide Feedback Client Primary Contact,Client Technical Contact 5 days 1010 0% Cycle 2 Testing (If needed) 10 days
1011 0% Create & provide test file #2 JPMorgan 5 days
1012 0% Test File and Provide Feedback Client Primary Contact,Client Technical Contact 5 days 1013 0% Cycle 3 Testing (If needed) 10 days
1014 0% Create & provide test file #3 JPMorgan 5 days
1015 0% Test File and Provide Feedback Client Primary Contact,Client Technical Contact 5 days 1016 0% Sign-off on File Testing JPMorgan,Client Technical Contact,Client Primary Contac 1 day
1017 0% Move to production JPMorgan 10 days
1018 0% Transmit First Production Lockbox File JPMorgan 1 day 1019 0% Confirm Receipt of Production Lockbox File Client Technical Contact 1 day 1139 0% Connectivity 26 days
1194 0% H2H 26 days
1195 0% Test Environment 14 days
1196 0% Engage connectivity resource JPMorgan 3 days
1197 0% Provide test keys Client Technical Contact 1 day 1198 0% Establish & Test UAT connectivity JPMorgan 10 days 1199 0% Production Environment 12 days
1200 0% Provide production keys Client Technical Contact 3 days 1201 0% Complete H2H Security Administrator key sign off JPMorgan,Client Signers 3 days 1202 0% Send keys/certificates to IMSD for approval JPMorgan 1 day 1203 0% IMSD review & approval of keys/certificates JPMorgan 5 days 1212 0% Training 14 days
1213 0% Security Admininistrator 4 days
1218 0% Product Specific 14 days
1237 0% Closure 12 days

Page 5 ends

380
ID % Complete Task Name Resource Names Duration
1238 0% Monitor Services During Production Verification Period JPMorgan 10 days 1239 0% Transition to Service/ Production Handover JPMorgan 1 day 1240 0% Complete Project JPMorgan 1 day

Page 6 ends

381
Start Finish Predecessors
Wed 11/12/25Fri 6/12/26
Wed 11/12/25 Fri 11/14/25
Wed 11/12/25 Wed 11/12/25
Thu 11/13/25 Fri 11/14/25 2
Mon 11/17/25 Mon 11/24/25
Mon 11/17/25 Mon 11/17/25
Mon 11/17/25 Mon 11/17/25 3
Mon 11/17/25 Mon 11/17/25 3
Mon 11/17/25 Mon 11/17/25 3
Mon 11/17/25 Mon 11/17/25 3
Tue 11/18/25 Mon 11/24/25
Tue 11/18/25 Tue 11/18/25 6
Wed 11/19/25 Mon 11/24/25 11
Tue 11/18/25 Wed 5/27/26
Tue 11/18/25 Fri 12/5/25
Tue 11/18/25 Fri 12/5/25
Tue 11/18/25 Wed 12/3/25
Tue 11/18/25 Wed 11/19/25 8
Wed 11/19/25 Wed 12/3/25 107
Tue 11/18/25 Thu 11/27/25
Tue 11/18/25 Tue 11/18/25 9
Wed 11/19/25 Tue 11/25/25 110
Wed 11/26/25 Thu 11/27/25 111
Wed 12/3/25 Fri 12/5/25
Wed 12/3/25 Fri 12/5/25 108,119
Tue 11/18/25 Thu 11/27/25
Wed 11/19/25 Wed 5/27/26
Fri 12/5/25 Mon 1/5/26
2014 2024 2034 2044 2054 2064 2074 2084 2094 2104 2114 224 2134 2144 19842034 2084 2134

Page 7 ends

382
Start Finish Predecessors
Fri 12/5/25 Fri 12/19/25 14,115
Fri 12/19/25 Tue 12/23/25 144
Tue 12/23/25 Thu 12/25/25 145
Wed 12/31/25 Mon 1/5/26 1213
Wed 11/19/25 Wed 12/31/25
Fri 12/19/25 Wed 12/24/25 144,10,14,115
Wed 12/24/25 Fri 12/26/25 307
Wed 11/19/25 Fri 12/26/25
Wed 11/19/25 Thu 11/20/25 11
Wed 12/24/25 Fri 12/26/25 307
Fri 12/5/25 Wed 12/31/25
Wed 12/24/25 Fri 12/26/25 307
Fri 12/5/25 Wed 12/24/25
Fri 12/5/25 Mon 12/8/25 113,58,103,88,73,28,43,296,138
Fri 12/5/25 Mon 12/8/25 113,58,103,88,73,28,43,296,138
Mon 12/8/25 Mon 12/15/25 319,320
Mon 12/15/25 Mon 12/22/25 321
Mon 12/22/25 Wed 12/24/25 322
Fri 12/26/25 Wed 12/31/25
Fri 12/26/25 Mon 12/29/25 317,318
Mon 12/29/25 Tue 12/30/25 325
Mon 12/29/25 Wed 12/31/25 325
Wed 12/24/25 Fri 4/17/26
Wed 12/24/25 Mon 12/29/25 307
Tue 3/31/26 Thu 4/2/26 341,1190,1198
Thu 4/2/26 Fri 4/3/26 342
Thu 4/2/26 Mon 4/6/26 342
2014 2024 2034 2044 2054 2064 2074 2084 2094 2104 2114 224 2134 2144 19842034 2084 2134

Page 8 ends

383
Start Finish Predecessors
Mon 4/6/26 Wed 4/8/26 343,344
Mon 4/6/26 Tue 4/7/26 342,343,344
Tue 4/7/26 Tue 4/14/26 346
Tue 4/14/26 Wed 4/15/26 347
Wed 4/15/26 Fri 4/17/26 348
Wed 4/15/26 Fri 4/17/26 348
Fri 12/5/25 Wed 5/27/26
Fri 12/5/25 Fri 12/12/25 114,59,104,89,74,29,44,297,139 Fri 12/12/25 Thu 1/1/26 392
Thu 1/1/26 Thu 1/29/26 393
Thu 1/29/26 Thu 2/5/26 394,393
Thu 2/5/26 Thu 2/12/26 395,1187,1195
Thu 2/5/26 Thu 2/12/26 395
Thu 2/12/26 Fri 2/13/26 397
Fri 2/13/26 Tue 2/17/26 398,1191,1199
Fri 2/13/26 Mon 3/16/26 398
Mon 3/16/26 Wed 3/18/26 400
Wed 3/18/26 Wed 5/27/26 401
Fri 12/5/25 Mon 12/15/25
Fri 12/5/25 Mon 12/8/25 114,59,104,89,74,29,44,297,139
Mon 12/8/25 Mon 12/15/25 508
Mon 12/8/25 Wed 12/10/25 508
Fri 12/5/25 Fri 12/12/25
Fri 12/5/25 Fri 12/12/25 114,59,104,89,74,29,44,297,139 Fri 12/5/25 Wed 2/11/26
Fri 12/5/25 Mon 12/8/25 114,59,104,89,74,29,44,297,139
Mon 12/8/25 Tue 12/9/25 879
Tue 12/9/25 Wed 2/11/26
Tue 12/9/25 Fri 12/12/25 880
2014 2024 2034 2044 2054 2064 2074 2084 2094 2104 2114 224 2134 2144 19842034 2084 2134

Page 9 ends

384
Start Finish Predecessors
Tue 1/20/26 Tue 1/27/26 882,1190,1198
Tue 1/27/26 Tue 2/3/26 883
Tue 2/3/26 Tue 2/10/26 884
Tue 2/10/26 Wed 2/11/26 885,1191,1199
Tue 2/10/26 Wed 2/11/26 885
Fri 12/19/25 Thu 5/21/26
Fri 12/19/25 Tue 12/30/25
Fri 12/19/25 Mon 12/22/25 10,14,115,144
Mon 12/22/25 Mon 12/29/25 954
Mon 12/22/25 Mon 12/29/25 954
Mon 12/29/25 Tue 12/30/25 956
Mon 12/29/25 Mon 1/5/26
Mon 12/29/25 Mon 1/5/26 955
Mon 12/22/25 Tue 1/6/26
Mon 12/22/25 Mon 12/29/25 985
Mon 12/29/25 Tue 12/30/25 987
Tue 12/30/25 Tue 1/6/26 988
Wed 11/12/25 Wed 2/25/26
Wed 11/12/25 Wed 11/12/25
Thu 11/13/25 Thu 11/13/25 991
Wed 2/11/26 Fri 2/13/26 114,59,104,89,74,29,44,297,139
Fri 2/13/26 Fri 2/20/26 993,144
Fri 2/20/26 Wed 2/25/26 994
Mon 12/29/25 Thu 5/21/26
Mon 12/29/25 Wed 12/31/25 955,979
Wed 12/31/25 Wed 1/7/26 997
Wed 12/31/25 Mon 1/5/26 997
Wed 12/31/25 Wed 1/7/26 997
Wed 1/7/26 Wed 1/14/26
Wed 1/7/26 Wed 1/14/26 998,999
Wed 1/7/26 Wed 1/14/26 998,999
2014 2024 2034 2044 2054 2064 2074 2084 2094 2104 2114 224 2134 2144 19842034 2084 2134

Page 10 ends

385
Start Finish Predecessors
Wed 1/14/26 Mon 1/19/26 1002,1003
Mon 1/19/26 Mon 2/16/26 1004
Mon 2/16/26 Mon 3/23/26 1005
Mon 3/23/26 Mon 4/6/26
Mon 3/23/26 Mon 3/30/26 1006,1005
Mon 3/30/26 Mon 4/6/26 1008
Mon 4/6/26 Mon 4/20/26
Mon 4/6/26 Mon 4/13/26 1009
Mon 4/13/26 Mon 4/20/26 1011
Mon 4/20/26 Mon 5/4/26
Mon 4/20/26 Mon 4/27/26 1012
Mon 4/27/26 Mon 5/4/26 1014
Mon 5/4/26 Tue 5/5/26 1009,1012,1015
Tue 5/5/26 Tue 5/19/26 1016
Tue 5/19/26 Wed 5/20/26 1017
Wed 5/20/26 Thu 5/21/26 1018
Wed 12/31/25 Thu 2/5/26
Wed 12/31/25 Thu 2/5/26
Wed 12/31/25 Tue 1/20/26
Wed 12/31/25 380,404,436,341,512,531,571,882,889,945,997,1063,1207,392,541,893 Mon 1/5/26 Mon 1/5/26 Tue 1/6/26 1196
Tue 1/6/26 Tue 1/20/26 1197
Tue 1/20/26 Thu 2/5/26
Tue 1/20/26 Fri 1/23/26 1190,1198
Fri 1/23/26 Wed 1/28/26 1200
Wed 1/28/26 Thu 1/29/26 1201
Thu 1/29/26 Thu 2/5/26 1202
Fri 12/19/25 Thu 1/8/26
Thu 12/25/25 Wed 12/31/25
Fri 12/19/25 Thu 1/8/26
Wed 5/27/26 Fri 6/12/26
2014 2024 2034 2044 2054 2064 2074 2084 2094 2104 2114 224 2134 2144 19842034 2084 2134

Page 11 ends

386
Start Finish Predecessors
Wed 5/27/26 Wed 6/10/26 120
Wed 6/10/26 Thu 6/11/26 1238
Thu 6/11/26 Fri 6/12/26 1239
2014 2024 2034 2044 2054 2064 2074 2084 2094 2104 2114 224 2134 2144 19842034 2084 2134

Page 12 ends

387
Appendix 10
Pro Forma
388
* Volumes and Balances on this Pro Forma are estimated. Actual volumes and balances may be different, which will result in different charges than are specified above. ** Denotes Service is a one-time charge and will not appear on customer statement on a monthly basis.

Pricing quoted herein is valid for 120 days from the date of this presentation Pro Forma Analysis
November 2025
Customer: City of American Canyon ECR Rate: 0.8400%
Balance Analysis *
Average Ledger Balance $3,421,000.00
Less Average Float $85,525.00
Average Collected Balance $3,335,475.00
Less Reserve Requirement Rate 0.00% $0.00
Average Available Balance $3,335,475.00
Less Balance Required $3,348,397.02
Net Available Balance -$12,922.02
Earnings Credit Allowance Rate 0.8400% $2,302.85
Total Charge For Services $2,311.77
Net Credit Amount -$8.92
Service Charge Amount: $8.92
Service Analysis *
Service Description
Number of
Units Unit Price Charge For Service Balance Required

ACCOUNT SERVICES
ACCOUNT MAINTENANCE 2 $25.0000 $50.00 $72,420.63
AUDIT CONFIRMATIONS 0 $20.0000 $0.00 $0.00
OD INTRADAY ITEM PAID 0 $34.0000 $0.00 $0.00
CREDIT POSTED- ELECTRONIC 324 $0.2500 $81.00 $117,321.43 DEBIT POSTED - ELECTRONIC 4 $0.2000 $0.80 $1,158.73
CASH CONCENTRATION MAINTMASTER 0 $30.0000 $0.00 $0.00
CASH CONCENTRATION MAINT SUB 0 $15.0000 $0.00 $0.00
Subtotal $131.80 $190,900.79

AUTOMATED CLEARING HOUSE
ACH MAINTENANCE 0 $30.0000 $0.00 $0.00
CREDIT ORIGINATED 0 $0.1400 $0.00 $0.00
389
* Volumes and Balances on this Pro Forma are estimated. Actual volumes and balances may be different, which will result in different charges than are specified above. ** Denotes Service is a one-time charge and will not appear on customer statement on a monthly basis.

Service Analysis *
Service Description
Number of
Units Unit Price Charge For Service Balance Required
DEBIT ORIGINATED 0 $0.1400 $0.00 $0.00
DELETION / REVERSAL - MANUAL 0 $10.0000 $0.00 $0.00
** ACH IMPLEMENTATION-DIRECT SEND 0 $500.0000 $0.00 $0.00 CREDIT RECEIVED 322 $0.1000 $32.20 $46,638.89
DEBIT RECEIVED 0 $0.1000 $0.00 $0.00
RETURN ITEM 1 $1.0000 $1.00 $1,448.41
NOTIFICATION OF CHANGE 0 $3.0000 $0.00 $0.00
RETURN NOTIFICATION - ONLINE 1 $0.0000 $0.00 $0.00
NOTIF OF CHANGE - ONLINE 0 $0.3500 $0.00 $0.00
ELOCKBOX FILE PROCESSING 0 $10.0000 $0.00 $0.00
CREDIT ORIGINATED - JPM ACCESS 624 $0.1000 $62.40 $90,380.95 DEBIT ORIGINATED - JPM ACCESS 1 $0.1000 $0.10 $144.84
JPM ACCESS ACH MAINTENANCE 2 $10.0000 $20.00 $28,968.25 ELOCKBOX RETURN - ELECTRONIC 0 $2.5000 $0.00 $0.00
ELOCKBOX NOC - ELECTRONIC 0 $2.5000 $0.00 $0.00
DELETION / REVERSAL - ELEC 0 $5.0000 $0.00 $0.00
ACH BATCH/FILE PROCESSED 0 $20.0000 $0.00 $0.00
ADDENDA RECORD ORIGINATED 0 $0.1000 $0.00 $0.00
NOTIF OF CHANGE - EMAIL 0 $1.7500 $0.00 $0.00
RETURN NOTIFICATION - EMAIL 0 $0.5000 $0.00 $0.00
TRANSACTION BLOCK MAINTENANCE 2 $0.0000 $0.00 $0.00
ACH TRANS BLOCK AUTHORIZED ID 1 $0.0000 $0.00 $0.00
** ELOCKBOX IMPLEMENTATION 0 $1,000.0000 $0.00 $0.00
ELOCKBOX MAINTENANCE 0 $100.0000 $0.00 $0.00
ELOCKBOX TRANSACTION RECEIVED 0 $100.0000 $0.00 $0.00
ELOCKBOX ADDENDA RECEIVED 0 $0.0200 $0.00 $0.00
ELOCKBOX TRN REPAIR MAINT 0 $95.0000 $0.00 $0.00
ELOCKBOX TRN REPAIR ITEM EDIT 0 $0.5000 $0.00 $0.00
** ACH SOFTWARE CUSTOMIZATION 1 $0.0000 $0.00 $0.00
TRANSACTION SUMMARY REPORT 0 $10.0000 $0.00 $0.00
ACH ORIGINATED SAME DAY CREDIT 0 $0.5000 $0.00 $0.00
ACH ORIGINATED SAME DAY DEBIT 0 $0.5000 $0.00 $0.00
ACH ONLINE SAME DAY DEBIT 0 $0.7500 $0.00 $0.00
Subtotal $115.70 $167,581.35
390
* Volumes and Balances on this Pro Forma are estimated. Actual volumes and balances may be different, which will result in different charges than are specified above. ** Denotes Service is a one-time charge and will not appear on customer statement on a monthly basis.

Service Analysis *
Service Description
Number of
Units Unit Price Charge For Service Balance Required

BAI/SWIFT/ISO REPORTING
** DT FILE IMPLEMENTATION FEE 0 $1,000.0000 $0.00 $0.00 H2H FILES TRANSMITTED OVER 67 0 $0.0000 $0.00 $0.00
H2H CURRENT DAY MONTHLY SVC 0 $150.0000 $0.00 $0.00
H2H ACCOUNTS REPORTED 0 $75.0000 $0.00 $0.00
H2H CHECK ITEMS REPORTED 0 $0.1500 $0.00 $0.00
H2H TRANS DETAIL REPORTED 0 $0.1500 $0.00 $0.00
H2H NON-CHECK ITEMS REPORTED 0 $0.1500 $0.00 $0.00
Subtotal $0.00 $0.00

BALANCE BASED CHARGES
BALANCE BASED CHARGES 1 $365.5300 $365.53 $529,438.29
Subtotal $365.53 $529,438.29

BANKING CENTER SERVICES
BRANCH CREDITS POSTED 0 $2.0000 $0.00 $0.00
BRANCH DEPOSIT IN NON STD BAG 0 $0.0000 $0.00 $0.00
BRANCH DEPOSIT ADJUSTMENT 0 $0.0000 $0.00 $0.00
NIGHT DROP CASH VERIFICATION 0 $0.0000 $0.00 $0.00
TELLER LINE CASH VERIFICATION 0 $0.0000 $0.00 $0.00
Subtotal $0.00 $0.00

DEPOSITORY SERVICES
CHECK DEPOSITED-ON US 0 $0.2000 $0.00 $0.00
CHECK DEPOSITED-TRANSIT 0 $0.2700 $0.00 $0.00
REMOTE DEPOSIT CAPTURE ITEM 1,336 $0.1500 $200.40 $290,261.90 REMOTE DEPOSIT CAPTURE MAINT 2 $20.0000 $40.00 $57,936.51 CREDITS POSTED 114 $1.0000 $114.00 $165,119.05
RETURN ITEM 2 $0.0000 $0.00 $0.00
RETURN - EMAIL NOTIFICATION 0 $1.0000 $0.00 $0.00
Subtotal $354.40 $513,317.46

DISBURSEMENT SERVICES
CHECK CASHING NON-ACCT HOLDER 0 $8.0000 $0.00 $0.00
STOP PAYMENT - MANUAL 0 $30.0000 $0.00 $0.00
STOP PAYMENT AUTOMATIC RENEWAL 0 $4.0000 $0.00 $0.00
391
* Volumes and Balances on this Pro Forma are estimated. Actual volumes and balances may be different, which will result in different charges than are specified above. ** Denotes Service is a one-time charge and will not appear on customer statement on a monthly basis.

Service Analysis *
Service Description
Number of
Units Unit Price Charge For Service Balance Required
CHECK / DEBIT POSTED 221 $0.1200 $26.52 $38,411.90
IMAGE STORAGE PER ITEM 221 $0.0300 $6.63 $9,602.98
CHECK INQUIRY MAINTENANCE 2 $8.0000 $16.00 $23,174.60
RECON REPORT / STATEMENT MAINT 0 $5.0000 $0.00 $0.00
EXCEPTION NOTIFICATION - ACCT 2 $8.0000 $16.00 $23,174.60 STOP PAYMENT - ELECTRONIC 0 $25.0000 $0.00 $0.00
DATA DOWNLOAD 0 $20.0000 $0.00 $0.00
ISSUE INPUT UPLOAD 4 $1.0000 $4.00 $5,793.65
Subtotal $69.15 $100,157.74

INT REC & PAY - REPORT
ALERTS - PER ALERT 10 $0.0000 $0.00
1 $1.0000 $1.00
11 $1.00 $1,448.41
RECEIVABLES MAIN - REPORTS 0 $25.0000 $0.00 $0.00
RECEIVABLES MAINT - RETURNS 0 $25.0000 $0.00 $0.00
TRANSMISSION MAINT - INBOUND 0 $100.0000 $0.00 $0.00
TRANSMISSION MAINT - DATA 0 $100.0000 $0.00 $0.00
TRANSMISSION PER ITEM - DATA 0 $0.0300 $0.00 $0.00
RECEIVABLES MAINT - DOWNLOADS 0 $25.0000 $0.00 $0.00
TRANSMISSION MAINT - IMAGE 0 $100.0000 $0.00 $0.00
TRANSMISSION PER ITEM - IMAGE 0 $0.0300 $0.00 $0.00
Subtotal $1.00 $1,448.41

JPMORGAN ACCESS
MONTHLY SERVICE 1 $10.0000 $10.00 $14,484.13
ACCOUNTS REPORTED 2 $10.0000 $20.00 $28,968.25
TRANSACTIONS REPORTED - 90 DAY 0 $0.2000 $0.00 $0.00
TRANSACTIONS REPORTED - 1 YEAR 0 $0.2800 $0.00 $0.00
TRANSACTIONS REPORTED - 2 YEAR 664 $0.3200 $212.48 $307,758.73 EXTENDED TRANSACTION DETAIL 1,992 $0.0000 $0.00 $0.00
ACCT TRANSFER ITEM 0 $1.0000 $0.00 $0.00
Subtotal $242.48 $351,211.11

LIQUIDITY SERVICES
392
* Volumes and Balances on this Pro Forma are estimated. Actual volumes and balances may be different, which will result in different charges than are specified above. ** Denotes Service is a one-time charge and will not appear on customer statement on a monthly basis.

Service Analysis *
Service Description
Number of
Units Unit Price Charge For Service Balance Required
INVESTMENT SWEEP - MAINT 0 $100.0000 $0.00 $0.00
Subtotal $0.00 $0.00

RECONCILIATION SERVICES
FULL RECONCILEMENT - PER ITEM 0 $0.0650 $0.00 $0.00
FULL RECONCILEMENT - MAINT 0 $75.0000 $0.00 $0.00
PAYEE NAME VERIFICATION 221 $0.0100 $2.21 $3,200.99
POSITIVE PAY MAINTENANCE 2 $0.0000 $0.00 $0.00
EXCEPTION ITEM 0 $2.5000 $0.00 $0.00
PP NON RECON MAINTENANCE 2 $15.0000 $30.00 $43,452.38
CHECK EXCEPTION RETURN 0 $20.0000 $0.00 $0.00
OUTPUT FILE 0 $15.0000 $0.00 $0.00
DATA ENTRY - MANUAL 0 $2.0000 $0.00 $0.00
IMAGE CAPTURE PER ITEM 221 $0.0450 $9.95 $14,411.71
Subtotal $42.16 $61,065.08

SCANNABLE LOCKBOX
SNLB SCANNABLE ITEM 0 $0.3000 $0.00 $0.00
SNLB OCR DOCUMENT 0 $0.0200 $0.00 $0.00
SNLB OCR DOC IMAGE CAPTURE 0 $0.0800 $0.00 $0.00
SNLB SORT - MANUAL 0 $0.2000 $0.00 $0.00
SNLB BALANCING 0 $0.1000 $0.00 $0.00
SNLB CREDIT CARD AUTHORIZATION 0 $2.0000 $0.00 $0.00
SNLB DUPLICATE DEPOSIT ADVICES 0 $60.0000 $0.00 $0.00
Subtotal $0.00 $0.00

VAULT SERVICES
VAULT DEPOSIT 0 $1.0000 $0.00 $0.00
VAULT DEPOSIT PER $1,000 31 $0.5000 $15.50 $22,450.40
VAULT MAINTENANCE 0 $0.0000 $0.00 $0.00
VAULT DEPOSIT ROLLED COIN 0 $0.3000 $0.00 $0.00
VAULT ORDER COIN ROLLS 0 $0.1200 $0.00 $0.00
VAULT ORDER - COIN ROLL BOX 0 $0.0600 $0.00 $0.00
VAULT ORDER COIN BAG LOOSE 0 $1.2500 $0.00 $0.00
VAULT STANDARD ORDERS 4 $6.0000 $24.00 $34,761.90
VAULT ORDER CURRENCY STD STRAP 0 $0.5000 $0.00 $0.00
393
* Volumes and Balances on this Pro Forma are estimated. Actual volumes and balances may be different, which will result in different charges than are specified above. ** Denotes Service is a one-time charge and will not appear on customer statement on a monthly basis.

Service Analysis *
Service Description
Number of
Units Unit Price Charge For Service Balance Required
VAULT EXPEDITED SPECIAL ORDERS 0 $25.0000 $0.00 $0.00
VAULT ORDER CURR NON STD STRAP 0 $0.0250 $0.00 $0.00
VAULT DEP PARTIAL OR MIXED BAG 0 $7.5000 $0.00 $0.00
VAULT DEPOSIT STD COIN BAG 0 $2.0000 $0.00 $0.00
VAULT ENVELOPE DEPOSIT VERIF 0 $0.8500 $0.00 $0.00
VAULT DEPOSIT ADJUSTMENT 0 $0.0000 $0.00 $0.00
REMOTE CASH CAPTR DEP PER $1K 0 $1.2500 $0.00 $0.00
REMOTE CASH CAPTR PER LOC FEE 0 $100.0000 $0.00 $0.00
Subtotal $39.50 $57,212.30

WHOLESALE LOCKBOX
LOCKBOX - MAINT 1 $300.0000 $300.00 $434,523.81
WHOLESALE ITEM 753 $0.8500 $640.05
753 $640.05 $927,056.55
INCOMING COURIER PACKAGE 0 $25.0000 $0.00 $0.00
CASH PROCESSING 0 $11.0000 $0.00 $0.00
WNLB CREDIT CARD AUTHORIZATION 0 $2.0000 $0.00 $0.00
DATA CAPTURE 0 $0.0120 $0.00 $0.00
PAPER DELIVERY PREP 0 $0.3200 $0.00 $0.00
COURIER DELIVERY SERVICE 0 $2.5000 $0.00 $0.00
POSTAGE 0 $0.6179 $0.00 $0.00
WNLB SPECIAL PROCESSING MAINT 0 $100.0000 $0.00 $0.00
WNLB GROUP/SORTS - COMPLEX 0 $0.2000 $0.00 $0.00
WNLB BALANCING 0 $0.1500 $0.00 $0.00
SPECIAL HANDLING OTHER 0 $0.5000 $0.00 $0.00
ONLINE DECISION MGR MAINT 0 $150.0000 $0.00 $0.00
Subtotal $940.05 $1,361,580.36
WIRE - U.S.

ELECTRONIC BOOK DEBIT S/T 0 $5.0000 $0.00 $0.00
ELECTRONIC FED DEBIT S/T 1 $5.0000 $5.00 $7,242.06
ELECTRONIC CHIP DEBIT S/T 0 $5.0000 $0.00 $0.00
ELECTRONIC FX DEBIT 0 $40.0000 $0.00 $0.00
BOOK CREDIT 0 $3.0000 $0.00 $0.00
FED CREDIT S/T 1 $5.0000 $5.00 $7,242.06
394
* Volumes and Balances on this Pro Forma are estimated. Actual volumes and balances may be different, which will result in different charges than are specified above. ** Denotes Service is a one-time charge and will not appear on customer statement on a monthly basis.

Service Analysis *
Service Description
Number of
Units Unit Price Charge For Service Balance Required
CHIPS CREDIT S/T 0 $5.0000 $0.00 $0.00
DRAWDOWN BOOK CREDIT - ELEC. 0 $5.0000 $0.00 $0.00
ESERVE SDA/SDC USAGE 0 $20.0000 $0.00 $0.00
Subtotal $10.00 $14,484.13
Total Charge For Services $2,311.77 $3,348,397.02
395
* Volumes and Balances on this Pro Forma are estimated. Actual volumes and balances may be different, which will result in different charges than are specified above. ** Denotes Service is a one-time charge and will not appear on customer statement on a monthly basis.

Pro Forma Notes, Assumptions & Disclaimers
The ECR Rate offered above will be fixed for the duration of the contract period. It is applied to the monthly average collected balance and used to offset fees for monthly maintenance, transactions, cash management and additional banking services. Fees for additional products and services not included in this proforma analysis will be mutually agreed upon.
396
* Volumes and Balances on this Pro Forma are estimated. Actual volumes and balances may be different, which will result in different charges than are specified above. ** Denotes Service is a one-time charge and will not appear on customer statement on a monthly basis.

Additional Pricing Detail
EXCEPTION ITEM 3263
Unit Price 2.5000
Tiered
Volume Price
11-20 2.0000
21+ 1.0000
H2H FILES TRANSMITTED OVER 67 3653
Unit Price 0.0000
Tiered
Volume Price
68+ 5.0000
H2H CURRENT DAY MONTHLY SVC 6080
Unit Price 0.0000
Flat Charge 150.0000
H2H CHECK ITEMS REPORTED 6093
Unit Price 0.0000
Ranged
Volume Price
1-1,000 0.1500
1,001-5,000 0.1000
5,001+ 0.0800
H2H NON-CHECK ITEMS REPORTED 6095
Unit Price 0.0000
Ranged
Volume Price
1-1,000 0.1500
1,001-5,000 0.1000
5,001+ 0.0800
CHECK EXCEPTION RETURN 3272
Unit Price 20.0000
Tiered
Volume Price
11-20 10.0000
21+ 0.0000
ELOCKBOX TRANSACTION RECEIVED 5490
Unit Price 0.0000
Min Charge 100.0000
Ranged
Volume Price
1-9,999 0.1500
10,000-24,999 0.1300
25,000-49,999 0.1100
50,000-99,999 0.0900
100,000+ 0.0700
H2H ACCOUNTS REPORTED 6085
Unit Price 0.0000
Ranged
Volume Price
1-10 75.0000
11-25 60.0000
26+ 50.0000
H2H TRANS DETAIL REPORTED 6094
Unit Price 0.0000
Ranged
Volume Price
1-1,000 0.1500
1,001-5,000 0.1000
5,001+ 0.0800
WHOLESALE ITEM 6106
Unit Price 0.0000
Ranged
Volume Price
1-350 0.9500
351-850 0.8500
851+ 0.7500
397
* Volumes and Balances on this Pro Forma are estimated. Actual volumes and balances may be different, which will result in different charges than are specified above. ** Denotes Service is a one-time charge and will not appear on customer statement on a monthly basis.

ALERTS - PER ALERT 6191
Unit Price 0.0000
Tiered
Volume Price
11+ 1.0000
TELLER LINE CASH VERIFICATION 7174
Unit Price 0.0000
Tiered
Volume Price
10,001+ 0.0030
NIGHT DROP CASH VERIFICATION 7173
Unit Price 0.0000
Tiered
Volume Price
10,001+ 0.0030
398
Appendix 11
PaymentNet Demo
399
Zoom app:

Meeting ID: 9
Zoom link:

If you need to dial in for voice:

U.S. International Toll: +1-646-876-9923 Enter Meeting ID and select # Tuesdays at 12:00 PM Eastern Time
11:00 am CT/9:00 am PT
We are excited to present PaymentNet - JP Morgan Chase’s proprietary reporting and administration portal offered to Commercial Card clients. Our live, facilitator-led webinar offers an interactive session to provide attendees with an overview of the wide variety of features PaymentNet has to offer including:

Account management
Transaction approval workflow
Receipt imaging
Accounting code mapping
Custom reporting
2025 -WEEKLY PAYMENTNET DEMONSTRATION
© 202 JPMorgan Chase & Co. All rights reserved. J.P. Morgan is a marketing name for certain businesses of JPMorgan Chase & Co. and its subsidiaries worldwide (“JPMC"). Products and services may be provided by commercial bank affiliates, securities affiliates or other JPMC affiliates or entities. Further information or documentation may be required before products or services can be provided or a decision to do so can be made. All services are subject to applicable laws and regulations and service terms. 400 Appendix 12
Current Yields
401
As of Date
December 1, 2025
Sweep Fund Rate Sheet
Fund Name Share Class Fund Number Ticker 7 Day SEC Yield JPMorgan U.S. Treasury Plus MMF Morgan 3919 MJTXX 3.53% JPMorgan U.S. Government MMF Morgan 3916 MJGXX 3.55%
Monthly fees of the Money Market Fund EOD Sweep Maintenance fee of $100 and the JPMorgan Chase Bank, N.A express sweep fee of 0.25% are not reflected in the 7- day yield
Past performance is not a guarantee of future results. Current performance may be higher or lower than the performance data shown. 7-day yield reflect the annualized yield provided by each Fund for the 7-day period ended as of the date at the top of the page. The reference to a 7-day is not intended to suggest or recommend the short term trading of money market shares, nor is it intended to suggest that a 7-day snapshot of performance is representative of what an investor might experience over a longer period. Some or all investment advisors may be waiving certain fees and reimbursing certain expenses; if they had not done so, yields would have been lower.

For more up to date performance information please call or visit:
1-800-480-4111 or www.jpmorganfunds.com
NOT FDIC INSURED May Lose Value No Bank Guarantee
You could lose money by investing in a Government Money Market Fund (as defined in 12 CFR 270.2a-7(a)(14)). Although the Fund seeks to preserve the value of your investment as $1.00 per share, it cannot guarantee it will do so. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government You could lose money by investing in an Institutional Money Market Fund (i.e., not a Government or Retail Money Market Fund as defined in 12 CFR 270.2a-7(a)(14) and (21)).

Because the share price of the Fund will fluctuate, when you sell your shares they may be worth more or less than what you originally paid for them. The Fund may impose a fee upon provide financial support to the Fund at any time.

Investors should carefully consider the investment objectives and risk as well as charges and expenses of the mutual fund before investing. The prospectus contains this and other information about the mutual fund. Read the prospectus carefully before investing.

You may obtain additional prospectuses by contacting:
1-800-480-4111 or www.jpmorganfunds.com (use the
search feature based on the Ticker to locate the prospectuses) J.P. Morgan Funds are distributed by J.P. Morgan Distribution Services, Inc., a subsidiary of JPMorgan Chase & Co. Affiliates of JPMorgan Chase & Co., including JPMorgan Chase Bank, N.A., 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 Fund prospectus. Affiliates of JPMorgan Chase & Co. may also receive fees for providing services to the Fund. Securities may be offered by J.P. Morgan Institutional Investments, Inc., member of FINRA/SIPC
©2025 J.P. Morgan Chase & Co., Member FDIC
402
Appendix 13
Sample Account Analysis
403
Account Analysis
Statement Guide
(Portrait Format)
This guide is intended to provide information to help you understand each section of your Account Analysis statement(s).

All balance terms, column headings and summary line items are defined in detail with clear cross references.
404
J. P. M O R G A N S T A T E M E N T G U I D E
Table of contents

1. Introduction .......................................................................................................... 2

2. Statement Information and Balance Analysis .................................................... 3

3. Service Analysis................................................................................................... 5

4. Adjustment Pages – Financial Impacts............................................................... 7

5. Adjustment Pages – Balances, Volumes and Pricing........................................ 8

All services are subject to applicable laws and regulations and service terms. Not all products and services are available in all geographic areas. Eligibility for particular products and services is subject to final determination by J.P. Morgan and/or its affiliates/subsidiaries. 405
2 J. P. M O R G A N S T A T E M E N T G U I D E

1. Introduction
Each month, you will receive a detailed Account Analysis statement for your account. If you have multiple accounts, you will receive a summary Account Analysis statement for your entire billing relationship in addition to a detailed Account Analysis statement for each individual account. 406
3 2. Statement Information and Balance Analysis
Statement Information

1. Account Number/Group
Account Number: The
demand deposit account
(DDA) number for this
statement. For groups, the
account number designated
to represent a group of
accounts in a relationship.

2. Page Numbers: Each page
of the analysis is numbered
consecutively and also
reflects the total number of
pages in the entire
statement.

3. Statement Period: The
beginning and ending date
of the statement.

4. Contact: Your J.P. Morgan
relationship manager or the
department managing your
relationship.

5. Account Number: The
number of the individual
DDA or group account
number detailed in the
Balance Analysis section.
1 2
3 4
5 6
7 8
9 10
11 12
13 14
15 16
17 18
407
4 J. P. M O R G A N S T A T E M E N T G U I D E
Balance Analysis
Provides a summarized view of
the balances, service charges,
and earnings allowance applied
to your account.

6. Average Ledger Balance:

The sum of the daily ending
ledger balances (positive
and negative) divided by the
number of days in the
statement month.

7. Less Average Float: The
difference between the
Average Ledger Balance
and the Average Collected
Balance.

8. Average Collected
Balance: The sum of the
daily ending positive and
negative collected balances
for the statement month,
divided by the number of
days in the month.

9. Average Negative
Collected Balance: The
sum of the daily ending
negative collected balances,
divided by the number of
days in the statement
month.

10. Average Positive
Collected Balance: The
sum of the daily ending
positive collected balances,
divided by the number of
days in the statement
month.

11. Less Reserve
Requirement: The portion
of the DDA balance that
must be set aside by the
bank to meet reserve
requirements.

Note: Not currently in use
by the Bank.

12. Average Investable
Balance: The balance on
which the earnings credit
rate is applied.

13. Less Balance Required:

The balance required to
offset the current statement
month’s balance
compensable service
charges.

16. Earnings Credit
Allowance: The value of
the investable balances
maintained during the
statement month, which can
be used to offset balance
compensable service
charges.

17. Total Charge for Services:

The sum of the charges for
services rendered. This
amount is detailed in the
Service Analysis section.

Net Charge for
Services: Amount due
for services after
deducting the total
charge for services from
the earnings credit
allowance where the
result is negative.

Net Service Credit:

Amount of excess credit
remaining after the total
charge for services has
been deducted from the
earnings credit
allowance where the
result is positive.

18. Service Charge Amount:

The net charge (total
service charge after offset
of earnings allowance)
which will be debited from
the DDA you have
specified.
408
5 3. Service Analysis
Service Analysis
Details the services used in the
statement month by product
category.

19. Service: The name of the
services used. Services are
grouped by product
category.

20. Number of Units: Number
of transactions.

Unit Price ($): The price
per unit of service.

Charge for Service ($):

The charge for each
service.

Balance Required ($): The
balance required to offset
the statement month’s
Total Charge for Services
($): The total of all service
charges for the statement
month.

Summary of Accounts: A
list of account numbers that
1 2
3 4
5 6 7 8 9
10 19 20
21 22 23
24 25
409
7 4. Adjustment Pages – Financial Impacts
Adjustment Pages – Financial Impacts
Summarizes the overall financial
impact of adjustments by
statement month.

26. Financial Recap: The
impact of adjustments to the
net service charge for each
impacted billing period.

27. Billing Account: The DDA
account number that is
assessed with the net
service charge amount.

28. Cycle Date: The month and
year of the adjusted
historical period.

29. Settlement Date: The date
service charges were due.

30. Previous/Adjusted Net
Charge for Service: The
service charge previously
reported on the statement
and the adjusted charge.

31. Net Charge/Credit for
Service Adjustment
Amount: The difference
between the Previous and
Adjusted Net Charge for
Services.

32. Historical Adjustment
Summary: The impact of
adjustments during this
cycle to balances, service
charges and earnings
allowances.

33. Rate Previously/Adjusted
Reported: The rate
previously reported on the
statement and the adjusted
rate.

34. Balance Information
Previously/Adjusted
Reported: The balance
values previously reported
on the statement and the
adjusted balance values.

35. Adjusted Accounts
Included: The DDA to
which adjustments have
been applied.
1 2
3 4
5 6 7 8 9 10
11 11
26 27
28 29 30
31 32
33 34
410
8 5. Adjustment Pages – Balances, Volumes and Pricing
Adjustment Pages – Balances, Volumes and Pricing
Details the back-valued
transactions, volume and pricing
adjustments made to each
account and the resulting impact
to net charges for services.