City Council / Local Redevelopment Authority / Public Financing Authority
December 10, 2024

PAGE 2
Who we are
Who is providing this notice? The U.S. consumer financial companies within the JPMorgan Chase & Co. family, including JPMorgan Chase Bank, N.A., Chase Insurance Agency, Inc., and J.P. Morgan Securities LLC.

What we do
How does Chase protect my
personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We authorize our employees to get your information only when they need it to do their work, and we require companies that work for us to protect your information.

How does Chase collect my
personal information?
We collect your personal information, for example, when you • open an account or make deposits or withdrawals from your account • pay your bills or apply for a loan
• use your credit or debit card
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing? Federal law gives you the right to limit only • sharing for affiliates’ everyday business purposes – information about your creditworthiness
• affiliates from using your information to market to you • sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What happens when I limit
sharing for an account I hold
jointly with someone else?
Your choices will apply to everyone on your account.

Definitions
Affiliates Companies related by common ownership or control. They can be financial and non financial companies.
• Our affiliates include companies with a Chase or J.P. Morgan name and financial companies such as J.P. Morgan Securities LLC
Nonaffiliates Companies not related by common ownership or control. They can be financial and non financial companies.
• Nonaffiliates we share with can include companies such as retailers, auto dealers, auto makers and membership clubs
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
• Our joint marketing partners include categories of companies such as insurance companies Other important information
VT: Accounts with a Vermont mailing address are automatically treated as if they have limited the sharing as described on page 1. For joint marketing, we will only disclose your name, contact information and information about your transactions.

NV: We are providing you this notice pursuant to Nevada law. If you prefer not to receive marketing calls from us, you may be placed on our Internal Do Not Call List by calling 1-800-945-9470, or by writing to us at P.O. Box 734007, Dallas, TX 75373-4007.

For more information, contact us at the address above, or email [email protected], with “Nevada Annual Notice” in the subject line. You may also contact the Nevada Attorney General’s office:

Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; telephone number: 1-702-486-3132; email [email protected] CA: Accounts with a California mailing address are automatically treated as if they have limited the sharing with nonaffiliates as described on page 1. CA residents are provided a CA notice for additional choices.

JPMorgan Chase Bank, N.A. Member FDIC
© 2023 JPMorgan Chase & Co.

Appendix 3
California Security
Agreement

CONTRACT FOR DEPOSIT OF CALIFORNIA LOCAL AGENCY FUNDS V1.0_12_14_15 Date: ___________________________________
_____________________________________[name of public depositor] (“Depositor”), and JPMorgan Chase Bank, N.A. (“Depository”), agree as follows:

1. Representations. Depositor, by and through its Treasurer or his or her authorized representative (“Treasurer”) proposes to deposit or cause to be deposited with Depository, from time to time, funds belonging to Depositor. At no time will the amount of Depositor’s funds on deposit with Depository exceed the Depository’s shareholders’ equity. By his or her signature below, Treasurer attests that, in his/her judgment, this contract is to the public advantage. The person executing this agreement on behalf of Depositor represents and warrants that they are authorized by the Depositor and under applicable law to bind the Depositor to this contract. Depository represents that as of the date hereof, its shareholder’s equity exceeds the total amount tendered by Depositor for deposit at Depository.

2. Governing Law and Compliance. This contract is entered into pursuant to California Government Code Section 53649. The parties will comply in all applicable respects with, and all deposits hereunder shall be governed by, Title 5, Division 2, Part 1, Chapter 4, Article 2 of the California Government Code (the “Governing Statute”) and other applicable California law, except to the extent pre-empted by federal law, applicable to such deposits.

3. Deposit Account Terms and Conditions. This contract shall also be governed by all terms and conditions set forth in the Depository’s account and service terms, its statement of fees, and any other disclosures and/or requirements published by the Depository and made available to Depositor for the account type and services selected by the Treasurer, including any addenda or amendments thereto (collectively, “Account Disclosures”), which are hereby incorporated by reference as part of this contract. In case of any conflict between this contract and the Account Disclosures, this contract shall prevail.

4. Interest. If interest is payable on a deposit, it shall be paid at a rate established by Depository, from time to time, for the account type selected by the Treasurer, which may be a managed rate. Such rate may be different than the rate paid on similar products offered to other customers or through other divisions of Depository. Notwithstanding the foregoing, if interest rates are specified in one or more agreements entered into by and between Depository and Depositor (collectively, “Negotiated Schedule”), interest rates shall be applicable to Depository’s deposits and the services contracted in connection therewith, for the period of time applicable under such Negotiated Schedule.

5. Duration of Deposit. Unless otherwise indicated by the Account Disclosures applicable to the type of deposit account into which the Depositor’s funds have been deposited, the deposit will have no maturity and will be available for withdrawal in accordance with the Depository’s funds availability schedule provided in the Account Disclosures.

6. Maintaining Security/Agent. As security for deposits under this contract, Depository, at all times and pursuant to California Government Code Section 53656 and 53658, will maintain with its ”Agent of depository,” as defined in California Government Code, Section 53630 (the “Agent”), eligible securities as listed in California Government Code Section 53651 (“Collateral”) in the amounts required by California Government Code Section 53652. As of the date hereof, the Agent is MUFG Union Bank, N.A. The Collateral maintained by the Agent on behalf of the Depository shall be pooled with other eligible securities under the Governing Statute to secure deposits by other local agencies in addition to Depositor’s deposit balances.

7. Authorization of Agent and Sub-custodians. The Agent has advised Depository that it has filed with the Administrator an agreement to comply in all respects with the Governing Statute and has been authorized by the Administrator to serve as an “Agent of depository.” Treasurer and Depository hereby authorize the Agent to hold the Collateral described in paragraph 6 above. The Agent is further authorized, pursuant to California Government Code Section 53659, to place Collateral in safekeeping with The Bank of New York Mellon, or any other bank or trust company that is eligible to act in such a sub-custodian capacity under the Governing Statute.

8. Insured Balances. Pursuant to Section 53653 of the California Government Code, no Collateral is required to be pledged against deposit balances to the extent insured pursuant to federal law (“Insured Balances”) if the Treasurer determines that local conditions so warrant. The Treasurer does hereby waive security for the portion of deposit balances that is insured pursuant to federal law. Insured Balances will be subtracted from Depository’s deposit balance to determine the amount of required Collateral.

9. Reports. Depository and Agent shall provide to the Commissioner of Business Oversight, in the latter’s capacity as the Administrator of Local Agency Security of the State of California (the “Administrator’), such reports as are required by the Administrator pursuant to the Governing Statute and orders and regulations issued by the Administrator.

10. Depository’s Default. If Depository fails to pay all or any part of the deposit made by Depositor and secured by the Collateral when required to do so in accordance with the terms of withdrawal set forth in the Account Disclosures and/or Depository’s funds availability policy, Treasurer will notify the Administrator in writing. In such event, or if the Depository is placed into receivership, the Administrator will order the Agent to convert the necessary quantities of Collateral into money to produce an amount equal to the sum of: (i) the Depositor’s deposits, (ii) any accrued interest due on the deposits, and (iii) the reasonable expenses of the Agent in complying with the Administrator’s order. Such order shall further direct the Agent to pay the sum of clauses (i) and (ii) to the Treasurer in satisfaction of the Depositor’s deposits, as provided in California Government Code Section 53665. To the extent that the Collateral is comprised of letters of credit issued by the Federal Home Loan Bank, if the Depository is placed into receivership or fails to permit withdrawal of funds when required to do so in accordance with terms of withdrawal in the Account Disclosures or Depository’s availability policy, the Administrator may draw upon the letter of credit up to the total amount.

11. Depository’s Rights. Depository has and reserves, as to all securities that are included within the Collateral, the right to: (a) add, substitute and withdraw such securities, as permitted in under California Government Code Section 53654 provided the requirements of paragraph 6 above are met; and (b) collect all interest thereon, except following Depository’s default and the surrender of the Collateral to the Administrator, and liquidation thereof, in accordance with California Government Code Section 53665.

12. Expenses. Except as otherwise described in the Account Disclosures and/or Negotiated Schedules: (a) the transportation of money deposited under this contract to and from Depository, (b) the transportation of securities maintained as security to and from the Agent, and (c) the handling, collection and paying of all checks, drafts and other exchange on funds deposited under this contract, shall be without cost to Depositor. Depository shall pay for any charges for the handling and safekeeping of Collateral.

13. Contract Termination. This contract is effective as of the date reflected above, governs the collateralization of Depositor’s funds deposited with Depository on or after the date hereof, and as to such deposits, cancels and supersedes any previous contracts between Treasurer and Depository relating to collateralizing Depositor’s deposits with Depository. Either party may terminate this contract upon 30 days’ written notice to the other.

14. Depositor Remedies. In the event that the Depository fails to pay any assessments, fines or penalties assessed by the Administrator pursuant to the Governing Statute, the Treasurer may, following its receipt of notice thereof from the Administrator, withdraw Depositor’s deposits with Depository. Further Treasurer may withdraw authorization for the placement of the Collateral with the Agent, following notice from the Administrator that the Agent has failed to pay fines or penalties assessed against it by the Administrator pursuant to the Governing Statute.

IN WITNESS WHEREOF the parties have signed this contract as of the day and year first above written. This contract may be executed in one or more counterparts, each of which shall be deemed an original and all of which taken together shall constitute one and the same instrument.

DEPOSITOR JPMorgan Chase Bank, N.A. (Depository)
Name of Public Entity Printed Name of Depository Representative Printed Name and Title of Signatory Print Title of Representative Signature Signature
Banker/JPMC Personnel - Submit Email Copy of Completed Agreement to [email protected] Appendix 4
Sample Implementation
Plan
Task Name Resource Names Duration Start Finish
Client Implementation Plan 82 days Fri 8/23/24 Thu 12/19/24 Initiation 3 days Fri 8/23/24 Tue 8/27/24
Review initial project scope JPMorgan 1 day Fri 8/23/24 Fri 8/23/24 Schedule Kick-off Call JPMorgan 2 days Mon 8/26/24 Tue 8/27/24 Planning 6 days Wed 8/28/24 Thu 9/5/24
Conduct Project Kick-off Call 1 day Wed 8/28/24 Wed 8/28/24 Define and confirm project scope JPMorgan,Client 1 day Wed 8/28/24 Wed 8/28/24 Review and confirm project timeline JPMorgan,Client 1 day Wed 8/28/24 Wed 8/28/24 Review KYC requirements JPMorgan,Client 1 day Wed 8/28/24 Wed 8/28/24 Review documentation requirements JPMorgan,Client 1 day Wed 8/28/24 Wed 8/28/24 Gather Product Requirement Information 5 days Thu 8/29/24 Thu 9/5/24 Provide/Review product requirements JPMorgan 1 day Thu 8/29/24 Thu 8/29/24 Complete/confirm detailed product requirements JPMorgan,Client Primary Contact 4 days Fri 8/30/24 Thu 9/5/24 Execution 70 days Fri 8/23/24 Tue 12/3/24
Product Documentation 8 days Thu 8/29/24 Tue 9/10/24
Provide product documentation JPMorgan 1 day Thu 8/29/24 Thu 8/29/24 Complete and return product documentation Client Signers 5 days Fri 8/30/24 Fri 9/6/24 Review and process products documents JPMorgan 2 days Mon 9/9/24 Tue 9/10/24 Complete Documentation 0 days Tue 9/10/24 Tue 9/10/24
Product & Service Setup 70 days Fri 8/23/24 Tue 12/3/24 JPMorgan Access - New Profile Setup (Account Transfer, ACH, Reporting, Wires, Statements) 21 days Wed 9/11/24 Wed 10/9/24 Create new Access profile and add core products (Account Transfer, ACH, Reporting, Wires, Statements) JPMorgan 10 days Wed 9/11/24 Tue 9/24/24 Order Hard tokens for Security Administrators (if applicable) JPMorgan 2 days Wed 9/25/24 Thu 9/26/24 Security Administrators Log onto JPMorgan Access Client Security Administrators 2 days Fri 9/27/24 Mon 9/30/24 Entitle Access users JPMorgan,Client Security Administrators 3 days Mon 10/7/24 Wed 10/9/24 JPMorgan Access Checks 30 days Fri 8/23/24 Fri 10/4/24
Add Checks product to accounts (Positive Pay, ACH Filter, Inquiry/Stop/Photo, etc.) JPMorgan 3 days Wed 9/25/24 Fri 9/27/24 Entitle Users Client Security Administrators 2 days Mon 9/30/24 Tue 10/1/24 ACH Transaction Blocking 22 days Fri 8/30/24 Tue 10/1/24 Gather any allowable ACH Company IDs Client Primary Contact 2 days Fri 8/30/24 Tue 9/3/24 Create Blocking Profile(s) Client Checks Users 2 days Mon 9/30/24 Tue 10/1/24 Positive Pay 30 days Fri 8/23/24 Fri 10/4/24
Create Email Notification Groups Client Checks Users 2 days Mon 9/30/24 Tue 10/1/24 MICR & Payee Verification Testing 13 days Fri 8/23/24 Wed 9/11/24 Provide MICR Specification Checklist & Testing Instructions JPMorgan 1 day Fri 8/23/24 Fri 8/23/24 Provide Positive Pay and Payee Name Verification (PVE) Testing Instructions JPMorgan 1 day Fri 8/23/24 Fri 8/23/24 Order Check Stock (if applicable) Client Primary Contact 5 days Mon 8/26/24 Fri 8/30/24 Send batch of test checks to JPMorgan Client Primary Contact 5 days Tue 9/3/24 Mon 9/9/24 Perform MICR and Payee Verification Testing and provide feedback JPMorgan 2 days Tue 9/10/24 Wed 9/11/24 Positive Pay & Payee Name Verification Activation 3 days Wed 10/2/24 Fri 10/4/24 Submit First Check Issue File in Production Client Checks Users 1 day Wed 10/2/24 Wed 10/2/24 Confirm Receipt of Production Check Issue File JPMorgan 1 day Thu 10/3/24 Thu 10/3/24 Activate Positive Pay service and Payee Verification Client Checks Users 2 days Thu 10/3/24 Fri 10/4/24 ACH Origination - Direct Send 58 days Wed 9/11/24 Tue 12/3/24 Engage technical resources for technical setup and testing JPMorgan,Client Primary Contact 1 day Wed 9/11/24 Wed 9/11/24 Review and approve requirements document JPMorgan,Client Technical Contact 3 days Thu 9/12/24 Mon 9/16/24 Establish Origin and Company IDs JPMorgan 3 days Tue 9/17/24 Thu 9/19/24 Create and send test file Client Technical Contact 7 days Wed 10/23/24 Thu 10/31/24 Test file and provide feedback JPMorgan 2 days Fri 11/1/24 Mon 11/4/24 Confirm Acknowledgement File Received (if applicable) JPMorgan,Client Technical Contact 7 days Tue 11/5/24 Thu 11/14/24 Conduct Additional File Testing (if applicable) JPMorgan,Client Technical Contact 5 days Fri 11/15/24 Thu 11/21/24 Signoff on file testing JPMorgan,Client Primary Contact,Client Technical Contact 2 days Fri 11/22/24 Mon 11/25/24 Move to production JPMorgan 3 days Tue 11/26/24 Fri 11/29/24 Transmit First Production ACH File JPMorgan 1 day Mon 12/2/24 Mon 12/2/24 Confirm Receipt of First Production File Client Technical Contact 1 day Tue 12/3/24 Tue 12/3/24 Cash Vault Services 6 days Wed 9/11/24 Wed 9/18/24
Setup Cash Vault Services JPMorgan 1 day Wed 9/11/24 Wed 9/11/24 Order Supplies Client Primary Contact 5 days Thu 9/12/24 Wed 9/18/24 Provide Client with VRU or Web Instructions (if applicable) JPMorgan 2 days Thu 9/12/24 Fri 9/13/24 Lockbox 30 days Fri 8/23/24 Fri 10/4/24
Wholesale Lockbox Setup with Receivables Online 7 days Wed 9/25/24 Thu 10/3/24 Reserve lockbox location and number JPMorgan 1 day Wed 9/25/24 Wed 9/25/24 Open lockbox JPMorgan 5 days Thu 9/26/24 Wed 10/2/24
Create new Receivables Online portal JPMorgan 5 days Thu 9/26/24 Wed 10/2/24 Complete user and entitlement setup for Receivables Edge Client Security Administrators 1 day Thu 10/3/24 Thu 10/3/24 Remote Deposit Capture (RDC) 30 days Fri 8/23/24 Fri 10/4/24 Provide Scanner Comparison Guide JPMorgan 1 day Fri 8/23/24 Fri 8/23/24 Order scanner from vendor Client Primary Contact 1 day Mon 8/26/24 Mon 8/26/24 Reserve RDC number JPMorgan 2 days Wed 9/11/24 Thu 9/12/24 Add RDC to account(s)/profile JPMorgan 5 days Wed 9/25/24 Tue 10/1/24 Complete scanner & software Installation Client Technical Contact 3 days Wed 10/2/24 Fri 10/4/24 Connectivity 22 days Thu 10/3/24 Fri 11/1/24
GTI 22 days Thu 10/3/24 Fri 11/1/24
Test Environment 14 days Thu 10/3/24 Tue 10/22/24
Engage connectivity resource JPMorgan 3 days Thu 10/3/24 Mon 10/7/24 Provide test keys Client Technical Contact 1 day Tue 10/8/24 Tue 10/8/24 Establish & Test UAT connectivity JPMorgan 10 days Wed 10/9/24 Tue 10/22/24 Production Environment 8 days Wed 10/23/24 Fri 11/1/24
Provide production keys Client Technical Contact 3 days Wed 10/23/24 Fri 10/25/24 Install keys/certificates JPMorgan 5 days Mon 10/28/24 Fri 11/1/24 Training 10 days Tue 10/1/24 Mon 10/14/24
Security Admininistrator 4 days Tue 10/1/24 Fri 10/4/24 Schedule Access Orientation Training 1 day Tue 10/1/24 Tue 10/1/24 Complete Access Orientation Training 1 day Wed 10/2/24 Wed 10/2/24 Schedule Security Administrator Training with Access Training Group (optional) 1 day Thu 10/3/24 Thu 10/3/24 Complete Security Administrator Training with Access Training Group (optional) 1 day Fri 10/4/24 Fri 10/4/24 Product Specific 7 days Fri 10/4/24 Mon 10/14/24
Schedule training 6 days Fri 10/4/24 Fri 10/11/24
Cash Reporting and Statements Client Primary Contact,JPMorgan 2 days Thu 10/10/24 Fri 10/11/24 Wires and Transaction Services Client Primary Contact,JPMorgan 2 days Thu 10/10/24 Fri 10/11/24 ACH Payments and Transaction Services Client Primary Contact,JPMorgan 2 days Thu 10/10/24 Fri 10/11/24 Receivables Online and Remote Deposit Capture Client Primary Contact,JPMorgan 2 days Fri 10/4/24 Mon 10/7/24 Complete Training 5 days Tue 10/8/24 Mon 10/14/24
Complete Cash Reporting and Statements Training Client 1 day Mon 10/14/24 Mon 10/14/24 Complete Wire Payments Training Client 1 day Mon 10/14/24 Mon 10/14/24 Complete ACH Payments and Transaction Services Training Client 1 day Mon 10/14/24 Mon 10/14/24 Complete Receivables Online and Remote Deposit Capture Training Client 1 day Tue 10/8/24 Tue 10/8/24 Closure 12 days Wed 12/4/24 Thu 12/19/24
Monitor Services During Production Verification Period JPMorgan 10 days Wed 12/4/24 Tue 12/17/24 Transition to Service/ Production Handover JPMorgan 1 day Wed 12/18/24 Wed 12/18/24 Complete Project JPMorgan 1 day Thu 12/19/24 Thu 12/19/24 Appendix 5
J.P. Morgan Access
Sample Reports

TREASURY SERVICES
J.P. Morgan AccessP
®
Sample Reports Guide
June 2022
J.P.Morgan Access® Sample Reports Guide 2
Last Modified: June 29, 2022
This guide is confidential and proprietary to J.P.Morgan and is provided for your general information only. It is subject to change without notice and is not intended to be legally binding. All services described in this guide are subject to applicable laws and regulations and service terms. Not all products and services are available in all locations. Eligibility for particular products and services will be determined by JPMorgan Chase Bank, N.A. or its affiliates. J.P.Morgan makes no representation as to the legal, regulatory or tax implications of the matters referred to in this guide.

J.P.Morgan is a marketing name for the Treasury Services businesses of JPMorgan Chase Bank, N.A., member FDIC, and its affiliates worldwide.
©2022 JPMorgan Chase & Co. All rights reserved.

J.P.Morgan Access® Sample Reports Guide 3
J.P. Morgan 2TAccessP
®
P2T Reports
Reporting made easy
The ability to share information quickly is critical in today’s fast-paced business environment. Access provides a powerful reporting tool—one that delivers timely, accurate data through reports that are easy to create and review. You can analyze and manage cash flow, select the information you need and present and schedule reports from a single screen. Access Reports are customizable to fit your needs.

Manage reports quickly and easily to save time
Access provides a simple way to manage reports. With just a few clicks, you can see a high-level snapshot of your balances or a comprehensive transaction history. Design reports to deliver information you need when you need it, enabling you to save time and make more informed cash management decisions.

Designed to work the way you do
View balances and transactions your way through Access Reports’ comprehensive and customizable capability and flexible features and functions. You can now customize and schedule reports from a single screen, view your check and deposit images with corresponding transactions, and organize accounts into groups.

Customized to fit your needs
Select a standard master format to run a report or tailor the report criteria to view the exact accounts, transactions and balances that you need. You can then share your customized report with recipients of your choice or schedule reports to run on a recurring basis.

Ten master formats form the foundation of the Access centralized reporting capability: Balance and Transaction, Transaction Detail – Interactive, Checks Paid, Controlled Disbursement, EDI, Regional, Returns and Exceptions, Wire Detail, Payment and Template. Each can be customized to create reports tailored to your specific criteria.

Examples of reports using standard and customized formats (tailored to show specific information) are provided on the following pages.

J.P.Morgan Access® Sample Reports Guide 4
2 3
4 1
Table of Contents
A Quick Tour of Reports
Ten master formats form the foundation of the Access reporting capability. Each format can be customized to create reports tailored to your specific needs.

Balance and Transaction
Includes top-line balance and transaction summaries, detailed transaction records and time-specific data.

Available for current-day, previous-day and date-range periods. 34TBalance and Transaction Account Report..................................................................................................... 634T 34TBalance and Transaction Summary and Detail Report ................................................................................. 734T 34TBalance and Transaction Summary and Detail Report with Originated ACH Item Reconciliation ................ 834T 34TBalance and Transaction Summary Report .................................................................................................. 934T 34TBalance and Transaction Detail Report34T ..................................................................................................... 10 34TBalance and Transaction Location Report34T ................................................................................................. 11 Checks Paid
Includes detailed information about checks paid by date. 34TChecks Paid Report - Date34T .......................................................................................................................... 12 Controlled Disbursements
Provides interim and final presentments and funding across all or selected disbursement sites, offering summary and detailed information.
34TControlled Disbursement Summary and Detail Report.............................................................................. 1334T 34TControlled Disbursement Summary Report............................................................................................... 1434T 34TControlled Disbursement Detail Report..................................................................................................... 1534T EDI
Provides detailed remittance and invoice information for electronic receivables or payments for a specific settlement date in Adobe® PDF or ANSI X12 820 formats.
34TEDI Payments with Invoices Report ............................................................................................................ 1634T 34TEDI Payments Report .................................................................................................................................. 1734T J.P.Morgan Access® Sample Reports Guide 5
9 10
8 5
6 7
Regional
Reports designed for specific regional branches and their unique information needs. Only available for Asia based and other select accounts.
34TCheck Status Report ................................................................................................................................... 1834T 34TCheck Draft Collections Report.................................................................................................................. 1934T 34TDirect Debit Report..................................................................................................................................... 2034T 34TPost Dated Check Report............................................................................................................................ 2134T 34TStandard Collections Report ...................................................................................................................... 2234T 34TWithholding Tax Report.............................................................................................................................. 2334T Returns and Exceptions
Provides a detailed view of your return items, including check returns, ACH returns and ACH Notification of Change (NOC).
34TReturns and Exceptions Report ................................................................................................................. 2434T Transaction Detail Report - Interactive
Provides list view of transactions with several interactive features to customize the report in your way.

Report also produces charts on transactions.
34T Transaction Detail Report - Interactive .................................................................................................... 2534T Wire Detail
Provides incoming and outgoing wire transaction information for Fedwire, CHIPS, SWIFT and Book Transfer, with complete advice-level detail. This report is also available by account. 34TWire Detail Report - Date ........................................................................................................................... 2634T Payment
Provides payment transaction (wire, ACH and account transfer) information for current, pending and completed transactions originated by your company.
34TPayment Summary Report.......................................................................................................................... 2734T 34TPayment Detail Report ................................................................................................................................ 28 Template
Provides payment template information for all payment types by account. Transactions are displayed for each account separately.
34T Template Summary Report......................................................................................................................... 2934T 34T Template Detail Report............................................................................................................................... 3034T J.P.Morgan Access® Sample Reports Guide 6
Provides a detailed view of balance and transactions by account. 1 Balance and Transaction Account Report
J.P.Morgan Access® Sample Reports Guide 7
Provides a summary and detailed view of balance and transactions by date. 1 Balance and Transaction Summary and Detail Report
J.P.Morgan Access® Sample Reports Guide 8
Provides batch and detail level information for originated ACH transactions (Please 1 contact your J.P. Morgan representative to learn more and to be setup on this service.

Provided this service is setup for your account, user will need to select “Include ACH Originated Items” in Data and Display tab in Create a new report format screen).

Balance and Transaction Summary and Detail Report with ACH Batch Detail Summary and Detail with Originated ACH Item Reconciliation J.P.Morgan Access® Sample Reports Guide 9
Balance and Transaction
Provides a summary view of balances by date
Summary Report
.
1 J.P.Morgan Access® Sample Reports Guide 10
Balance and Transaction
Provides a detailed view of
Detail Report
transactions by date.
1 J.P.Morgan Access® Sample Reports Guide 11
Provides a detailed view of balance and transactions by location. 1 Balance and Transaction Location Report
J.P.Morgan Access® Sample Reports Guide 12
Checks Paid
Provides a detailed view o
Report - Date
f checks paid by date.
2 J.P.Morgan Access® Sample Reports Guide 13
Controlled Disbursement
Provides a funding summary and details for
Summary and Detail Report
controlled disbursement accounts.
3 J.P.Morgan Access® Sample Reports Guide 14
Controlled Disbursement
Provides a funding summary for
Summary Report Summary
controlled disbursement a
Report
ccounts. 3
J.P.Morgan Access® Sample Reports Guide 15
Provides
Controlled Disbursement
paid check details for
Detail Report
controlled disbursement accounts.
3 J.P.Morgan Access® Sample Reports Guide 16
Provides detailed remittance and invoice information for electronic receivables or 4 payments for a specific settlement date in Adobe® PDF or ANSI X12 820 (text) formats.

EDI Payments with Invoices Report
J.P.Morgan Access® Sample Reports Guide 17
EDI
Provides
for a specific settlement date in Adobe® PDF
Payments Report
summary of remittance information for
format.
electronic receivables or payments
4 J.P.Morgan Access® Sample Reports Guide 18
Regional Report
Provides
for Asia based
the status and other information for issued checks and drafts. Only available and other select
– Check Status
accounts.
5 J.P.Morgan Access® Sample Reports Guide 19
Regional Report
Provides the
based and other select accounts.
detailed
– Check Draft Collection
information on paper collection items
s
. Only available for Asia
5 J.P.Morgan Access® Sample Reports Guide 20
Regional Report
Provides information about direct debit transactions and the status of the transaction Only available for Asia based and other select
– Direct Debit
accounts.
.
5 J.P.Morgan Access® Sample Reports Guide 21
Regional Report
Provides the status of future dated checks that are warehoused by J.P. Morgan.

Only available for Asia based and other select
– Post Dated Check
accounts.
5 J.P.Morgan Access® Sample Reports Guide 22
Regional Report
Provides the details of a variety of incoming transactions posted to account. Only available f
– Standard Collections
or Asia based and other select accounts.
your J.P. Morgan
5 J.P.Morgan Access® Sample Reports Guide 23
Provides the detailed information on Taxes withheld on a monthly basis for your J.P. 5 Morgan account. Only available for Thailand based and other select accounts.

Regional Report – Withholding Tax
J.P.Morgan Access® Sample Reports Guide 24
P
returns and ACH Notification of Change (NOC)
rovides a detailed view of return and exception items, including check returns, ACH . Asia based accounts will only have
6 electronic transactions-based return information.

Returns and Exceptions Report
J.P.Morgan Access® Sample Reports Guide 25
Provides
Once the
a
Online report is
highly customizable
generated, you can customize the report
list view of transactions with dynamic graphic options
using a host of
. 7
interactive features and then download the report in PDF or Excel format. Online changes can be saved as a new Customized Report.

Transaction Detail Report - Interactive
J.P.Morgan Access® Sample Reports Guide 26
P
Fed
rovides incoming and outgoing wire transaction information by date for wire, CHIPS, SWIFT and Book Transfer with complete advice-level detail. This 8 report is also available by account.

Wire Detail Report - Date
J.P.Morgan Access® Sample Reports Guide 27
Payment
Provides originated p
Summary Report
ayment transaction information at a summary level.
9 J.P.Morgan Access® Sample Reports Guide 28
Payment
Provides originated
Detail Report
payment transaction information at a detail level.
9 J.P.Morgan Access® Sample Reports Guide 29
Template
account
Provides summary information
. Template
Summary Report
s are displayed for each account separately.
of the templates created for all payment types by
10 J.P.Morgan Access® Sample Reports Guide 30
Template
Templates are
Provides detail
Detail Report
displayed for each account separately.
-level information on the templates created for all payment types. 10 Appendix 6
Cash Vault Services
Product Guide
Cash Vault Services
Product Guide

TABLE OF CONTENTS
Cash Vault Services Overview..............................2 Coin and Currency Orders....................................3 Standard Units for Orders ..................................................... 3 Order Options ........................................................................ 4 Verifying Order Shipments .................................................... 4 Placing Emergency Orders ................................................... 5 Changes for Orders ............................................................... 5 Deposit Procedures...............................................6 Standard Methods for Preparing Deposits............................ 6 Completing Deposit Tickets................................................... 9 Preparing Deposits for Shipment ........................................10 Deposit Receipts .................................................................10 Resolving Deposit Discrepancies........................................10 Ordering Supplies................................................................11 Charges for Deposits...........................................................13 2 Cash Vault Services Product Guide
©2023 JPMorgan Chase & Co. All Rights Reserved. JPMorgan Chase Bank, N.A. Member FDIC. All services are subject to applicable laws and regulations and service terms. Not all products and services are available in all geographic areas. Eligibility for particular products and services is subject to final determination by JPMorgan Chase & Co. and or its affiliates/subsidiaries. Produced by TS Global Marketing.

The JPMorgan Cash Services Product Guide may not, in whole or in part, be copied, photocopied, translated, or reduced to any electronic medium or machine readable form or otherwise reproduced or form the basis for any derivative work, without the consent, in writing, from JPMorgan Chase & Co. Use of this copyright notice does not imply publication, and all rights, including trade secret rights, are reserved. Companies, names, and data used in examples herein are fictitious unless otherwise noted.

Produced by TS Global Marketing. Printed in the United States of America Cash service centers, also known as cash vaults, offer a convenient and secure method for handling all your cash-related banking needs.

Many companies that transact a large portion of their business through the exchange of cash, such as grocery and convenience stores, restaurants, specialty retailers and financial institutions, have realized the benefits of using cash services.

Whether you make cash deposits or order coin and currency, you have the assurance that J.P. Morgan maintains state-of-the-art systems and equipment, strong security controls, and a workforce for processing your transactions.

Cash vault services provides the following features and benefits  Increased safety. By using armored carriers, your company reduces the risk of theft and injury to employees associated with transporting cash deposits and currency orders to and from J.P. Morgan.
 Maximum use of funds. We guarantee that deposits received prior to the local vault deadline will receive same-day ledger credit.
 Saves time and money. Our efficient methods for processing deposits eliminate timeconsuming trips to J.P. Morgan and give you and your associates more time with your customers.
 Flexible and easy to use. J.P. Morgan’s Vault Management System gives you quick and flexible access to order coin and currency. Two methods are available:
— Standing Orders. Daily and regular orders can be prescheduled by day of the week.
— Standard Orders. On-demand customized orders can be placed through any touch-tone telephone or through the Internet.

Cash Vault Services
Overview
Cash Vault Services Product Guide
3 ©2023 JPMorgan Chase & Co. All Rights Reserved. JPMorgan Chase Bank, N.A. Member FDIC. All services are subject to applicable laws and regulations and service terms. Not all products and services are available in all geographic areas. Eligibility for particular products and services is subject to final determination by JPMorgan Chase & Co. and or its affiliates/subsidiaries. Produced by TS Global Marketing.

When cash vault services is implemented, J.P. Morgan issues your company up to three unique, confidential system access codes for each location. Access codes should be kept in a secure place and should be revealed only to authorized associates within your company. When needed, you can change existing access codes by contacting a client service representative.

Cash vault services centers provide coin and currency orders only to armored carriers. Your company must contract with a local armored carrier to act as your agent in transporting your cash. You need to notify J.P. Morgan of the specific armored carrier you will use for each store location.

Standard Units for Orders
Currency
Currency should be ordered in increments equal to a standard strap amount. A standard strap consists of 100 notes of the same denomination as follows:

Denomination Standard Strap Amount
Ones $100
Twos $200
Fives $500
Tens $1,000
Twenties $2,000
Fifties $5,000
Hundreds $10,000
Coin
Coin should be ordered in increments equal to either a full box (for rolled coin) OR a full bag (for loose coin) amount:
 A full box consists of 50 rolls of the same denomination.  A full bag consists of LOOSE COIN of the same denomination as follows:

Denomination Wrapped Coin*
Roll Box Unwrapped/Loose Coin Bag (approx. weight)
Pennies $1.00 $25 $50 = 30 lbs.

Nickels $2.00 $100 $200 = 44 lbs.

Dimes $5.00 $250 $1000 = 50 lbs.

Quarters $10.00 $500 $1000 = 50 lbs.

Halves $10.00 $500 $1000 = 50 lbs.

Note: Coin can also be ordered per roll (in whole dollars only) at a higher rate Coin and Currency
Orders
Cash Vault Services Product Guide
4 ©2023 JPMorgan Chase & Co. All Rights Reserved. JPMorgan Chase Bank, N.A. Member FDIC. All services are subject to applicable laws and regulations and service terms. Not all products and services are available in all geographic areas. Eligibility for particular products and services is subject to final determination by JPMorgan Chase & Co. and or its affiliates/subsidiaries. Produced by TS Global Marketing.

Order Options
Standing Orders
Standing Orders let you specify a predetermined recurring standard order for each day of the week. To modify standing orders, notify your client service representative. Please provide a minimum of ONE WEEK in advance of delivery.

Standard Orders
Use a touch-tone phone or the Internet to communicate standard orders directly to J.P. Morgan. We guarantee that orders placed prior to 1 p.m. local vault time will be available for armored carrier pickup by the end of the business day (usually between 4-5 p.m. local vault time).

Order delivery is based on armored carrier commitments, and is typically scheduled the following day or within two or three days. Contact your armored carrier for more information.

For your convenience, we will debit your demand deposit account directly for the total amount of the order on the day it is provided to your armored carrier.

See the Cash Services Currency and Coin Order Guide for detailed instructions.

Verifying Order Shipments
All shipments, regardless of how they are ordered, should be received and verified by two authorized associates within 24 hours of your armored carrier delivery.

Inspecting the Shipment
Shipping bags should be inspected prior to acceptance from the armored carrier to ensure no tampering has occurred. No bag should be signed for if there is any evidence of tampering. After the bag is received, currency straps should be opened and fine counted by note. If a discrepancy is detected, keep the strap in question for return to J.P. Morgan within 24 hours of receipt.

Rolled/boxed coin should be counted by roll. If a discrepancy is detected, keep the shipping tag or box (empty) in question for return to J.P. Morgan.

Full bag (loose coin) should be verified by weight prior to removing the bag seal. If a discrepancy is detected, DO NOT OPEN THE BAG. Return the FULL bag to J.P. Morgan and a new bag will be shipped to you once you have notified your client service representative.

Reporting Discrepancies
All Cash Order must be validated by the Customer within 24 hours of receipt.

If a currency strap, coin bag or wrapped coin difference is identified contact Cash Services Customer Support at 877-305-3919 to request a Cash Order Claim Form.

The completed form and proper documentation must be post marked within 48 hours of receipt of the Cash Order. Any claims post marked after the 48 hour period will be denied and the Customer will have no right to request or receive an adjustment after such time period.

Note: Proper documentation includes currency straps, shipping tags, shipping bags, or boxes used for the shipment.

Cash Vault Services Product Guide
5 ©2023 JPMorgan Chase & Co. All Rights Reserved. JPMorgan Chase Bank, N.A. Member FDIC. All services are subject to applicable laws and regulations and service terms. Not all products and services are available in all geographic areas. Eligibility for particular products and services is subject to final determination by JPMorgan Chase & Co. and or its affiliates/subsidiaries. Produced by TS Global Marketing.

Placing Emergency Orders
J.P. Morgan provides two options when additional coin or currency is needed before your next scheduled delivery.

OPTION 1
You can contact the Cash Services Central Support group at 877-305-3919 to place an emergency order. Additional fees are charged for this request. You will also need to contact your armored carrier to coordinate a special delivery.

OPTION 2
You can contact the nearest Chase Banking Center to verify the availability of the denominations you require. If available, you can place your order with the banking center and arrange for pick up. Separate fees and payment methods apply when placing an order with a banking center.

Note: Depending on the value of your order, some banking centers may not be able to meet your needs in full. This may require that you contact and pick up partial orders from more than one banking center.

Charges for Orders
The total amount of your coin and currency order is debited from your demand deposit account at J.P. Morgan on the day the order is provided to your armored carrier. All fees related to the order are accounted for and charged against your account through our account analysis system.

Cash Vault Services Product Guide
6 ©2023 JPMorgan Chase & Co. All Rights Reserved. JPMorgan Chase Bank, N.A. Member FDIC. All services are subject to applicable laws and regulations and service terms. Not all products and services are available in all geographic areas. Eligibility for particular products and services is subject to final determination by JPMorgan Chase & Co. and or its affiliates/subsidiaries. Produced by TS Global Marketing.

Cash vault service centers accept deposits through armored carriers only. Your company must contract with a local armored carrier to act as your agent to transport your cash. You need to provide J.P. Morgan with the name of the specified armored carrier you will use for each business location.

J.P. Morgan uses state-of-the-art deposit processing equipment to provide timely and accurate posting of your deposits. All deposits must be delivered to our facilities by armored carrier.

Once received, J.P. Morgan’s Vault Management System tracks all deposits individually from the point of delivery through verification and posting of the deposit.

Standard Methods for Preparing Deposits
For deposits with currency and small amounts of coin:
 All currency should be sorted by denomination
 Use one of two methods J.P. Morgan provides for preparing currency for deposit: Fed-Ready or envelope
 There should be one deposit per deposit bag.

Preparing Fed-Ready Deposits
To prepare a Fed-Ready deposit:
 To create a Fed-standard strap, place the appropriate strap around 100 notes of the same denomination as follows:
 If you do not have enough notes for a standard strap, combine the denominations under one reversed strap, sorted from the smallest to the largest denomination.  Use one partial strap for currency, and place it around the currency with the strap reversed (the color/printed side down). Write the total dollar amount on the strap.  The person preparing the straps (all straps, including Fed-Standard and partial) should write legibly or stamp on each strap:
— Company Name
— Store number (if applicable)
— Current Date
— Preparer’s initials
Note: Unfit currency (i.e. badly soiled, dirty, defaced, disintegrated or torn) should be sent in full straps for credit. Mutilated currency that has been damaged by fire, flooding, chemicals, explosions, animals or insects should be sent to the Bureau of Engraving and Printing. For further information please visit the following web site: https://www.bep.gov/services/mutilated-currency-redemption.

Strap Color Strap Amount
Hundreds Gold $10,000
Fifties Brown $5,000
Twenties Purple $2,000
Tens Yellow $1,000
Fives Red $500
Twos Green $200
Ones Blue $100
Deposit Procedures
Cash Vault Services Product Guide
7 ©2023 JPMorgan Chase & Co. All Rights Reserved. JPMorgan Chase Bank, N.A. Member FDIC. All services are subject to applicable laws and regulations and service terms. Not all products and services are available in all geographic areas. Eligibility for particular products and services is subject to final determination by JPMorgan Chase & Co. and or its affiliates/subsidiaries. Produced by TS Global Marketing.

Preparing Envelope Deposits
J.P. Morgan can also support envelope processing of deposits. To prepare an envelope deposit:
 Sort the envelope contents by denomination.
 Package the denominations from smallest to largest denomination and place in the envelope.
 Write legibly or stamp on the outside of the envelope:
— Company Name
— Store number (if applicable)
— Current date
— Amount of cash and checks in the envelope
— Preparer’s initials
— Envelope number (if applicable)
 At the end of the deposit day, the envelopes are added and a deposit ticket is created for the total amount.

Additional fees apply for this service.

Preparing Coin Deposits

SMALL AMOUNTS OF COI N
For small amounts of coin, under $10.00:
 Write or stamp the depositor’s name, current date, preparer’s initials, and the total amount on the envelope. Place all of the loose coin inside the envelope and seal the envelope. Place the envelope in the deposit bag with the currency.  For envelope deposits, place the coin in the applicable envelopes with the currency, and include in the total amount written on the outside of the envelope, as described in “Preparing Envelope Deposits” on page 7.

LARGE AMOUNTS O F COI N
For large amounts of coin, place the loose coin inside a disposable plastic coin bag. If you have multiple bags for a single deposit, number the bags (#1 of 3, #2 of 3, #3 of 3). Do not wrap coin.

Bulk coin deposit tickets must be separately sent to the vault in an envelope or tamperevident bag. Do not enclose the deposit ticket in the bag of coin.

Cash Vault Services Product Guide
8 ©2023 JPMorgan Chase & Co. All Rights Reserved. JPMorgan Chase Bank, N.A. Member FDIC. All services are subject to applicable laws and regulations and service terms. Not all products and services are available in all geographic areas. Eligibility for particular products and services is subject to final determination by JPMorgan Chase & Co. and or its affiliates/subsidiaries. Produced by TS Global Marketing.

FULL BAGS
Single denomination, loose coin should be counted, bagged, and sealed in disposable plastic bags in the increments as follows:

In the place indicated on the bag, write:
 Company name
 Current date
 Preparer’s initials
 Amounts contained in bag
Note: Rolled coin can be deposited but will require additional fees

MIXED BAGS
Multi-denomination loose coin should be bagged and sealed in disposable plastic coin bags weighing no more than 50 pounds. In the place indicated on the bag, write:
 Company name
 Current date
 Preparer’s initials
 Amount contained in bag
 “Mixed Coin”
Preparing Check Deposits, including Traveler’s Checks
Endorsement Stamp Specification and Sample:
 The endorsement stamp is a seven-line (minimum) endorsement legend that conforms to the specifications set forth in REG. CC.
 The endorsement stamp must be placed within the first 1½” of the trailing edge of the back of the check.

PREPARI NG CHE CKS FO R DEPOSIT
To prepare your non-encoded check deposits:
 Stack all checks, including traveler’s checks, face-up in the same direction.  Attach a list, such as a calculator tape, computer list, or handwritten list, showing the sum of the checks in the deposit.

Denomination Full Bag Amount
Dollars $2,000
Half Dollars $1,000
Quarters $1,000
Dimes $1,000
Nickels $200
Pennies $50
PAY TO THE ORDER OF:

J.P. Morgan Chase Bank, N.A.

State (If requested)

FOR DEPOSIT ONLY
Account Name (Store number if applicable)
Account Number
Sample:

Cash Vault Services Product Guide
9 ©2023 JPMorgan Chase & Co. All Rights Reserved. JPMorgan Chase Bank, N.A. Member FDIC. All services are subject to applicable laws and regulations and service terms. Not all products and services are available in all geographic areas. Eligibility for particular products and services is subject to final determination by JPMorgan Chase & Co. and or its affiliates/subsidiaries. Produced by TS Global Marketing.

Note: Checks must appear on the list in the same order as they are in the stack  When depositing larger quantities of checks, batch and list checks in smaller batches of no more than 300 checks. Prepare a separate list with totals for each batch, and then prepare another list summarizing the individual batch totals.  For extremely high volume check deposits, discounts are available for pre-encoded checks. Contact your J.P. Morgan treasury management officer (your cash management sales officer) for more information.

Completing Deposit Tickets
Required Deposit Ticket Information
 Deposit tickets should be preprinted with your company name, address, and account number, and should include the following:
— Current Date
— Preparer’s initials
— Bag serial number
— Dollar amount
 If multiple locations are depositing into the same account, the unique location identification number (ULID) must be included in the MICR line field on the deposit ticket.

Types of Deposits

CURRENCY AND CHECKS
To expedite the processing of your deposit, J.P. Morgan recommends a separate deposit ticket for:
 Currency and loose coins <$10.00
 Loose, bulk coin >$10.00
 Checks
Note: For mixed deposits that include currency, coin and checks, provide subtotals for each category listed.

BULK COIN
A separate deposit ticket for bulk coin is REQUIRED.
 The deposit ticket should list a breakdown by denomination  The coin deposit slip must be sent separately to the vault in a tamper-evident bag, not enclosed in the bag with the coins.

For more information, see “Preparing Coin Deposits” on page 7.

Cash Vault Services Product Guide
10 ©2023 JPMorgan Chase & Co. All Rights Reserved. JPMorgan Chase Bank, N.A. Member FDIC. All services are subject to applicable laws and regulations and service terms. Not all products and services are available in all geographic areas. Eligibility for particular products and services is subject to final determination by JPMorgan Chase & Co. and or its affiliates/subsidiaries. Produced by TS Global Marketing.

Preparing Deposits for Shipment
To prepare your deposits for shipment
 Always use dual-pouch, tamper-evident depository bags. To order these bags, see “Ordering Supplies” on page 10.
 Write the deposit information in the space provided on the outside of the depository bag. If more than one bag is needed, number the bags #1 of 2, #2 of 2, etc.  Place currency or coin in the tamper-resistant pouch. Place checks and deposit tickets in the resealable pouch.
 Seal the depository bag, following the instructions printed on the outside of the bag.

Your deposits are now ready for delivery to J.P. Morgan. For security reasons, J.P. Morgan Cash Service Centers will accept delivery from armored carriers only.

For more information, see the Cash Services Deposit Preparation Guide.

Deposit Receipts
At your request, a receipt can be system generated after each deposit is credited. Deposit receipts are provided to you by e-mail or fax.

To request deposit receipts, or to change the receipt mailing address, notify your customer service professional.

Resolving Deposit Discrepancies
In resolving a difference in the amount contained in the depository bag and the amount declared on the deposit ticket, J.P. Morgan’s Cash Services associates use specialized dual control procedures. These procedures are designed to escalate controls, based on the amount of the outage.

J.P. Morgan offers two methods for verifying your deposited coin and currency: at the deposit level or at the envelope/strap level.

Deposit-Level Verification
The teller removes the currency from the straps or envelopes and performs a bulk count on all items included in the deposit. If the verified amount does not match the deposit total, the outage is reported by the store number, deposit date and the total amount indicated on the original deposit ticket.

Envelope/Strap-Level Verification
The teller verifies the amounts indicated on each envelope or strap provided, and then verifies that the deposit matches the totals of all envelopes or straps. Outages can be reported by envelope or strap number and amount. The envelope or strap (or copy of the envelope or strap) that was determined to have a discrepancy can be returned with the adjustment notice.

Note: Additional fees apply for envelope/strap verification.

Cash Vault Services Product Guide
11 ©2023 JPMorgan Chase & Co. All Rights Reserved. JPMorgan Chase Bank, N.A. Member FDIC. All services are subject to applicable laws and regulations and service terms. Not all products and services are available in all geographic areas. Eligibility for particular products and services is subject to final determination by JPMorgan Chase & Co. and or its affiliates/subsidiaries. Produced by TS Global Marketing.

Discrepancy Reporting
Discrepancies are reported to you according to the following guidelines:
 Deposit discrepancies under $2 will not be adjusted

All account transactions, including discrepancies and deposits, are reported electronically through J.P.Morgan's information reporting system the morning of the following business day.

Note: A deposit adjustment fee applies for all identified discrepancies. Additional fees apply for the optional telephone notification, and for access to J.P. Morgan’s information reporting system.

Ordering Supplies
Ordering Currency Straps and Envelopes
You can purchase currency straps and loose coin envelopes to use in preparing your deposits through J.P. Morgan’s order system. Contact your customer service professional for our competitive pricing schedule for these supplies.

Ordering Commercial Deposit Bags from J.P. Morgan requires the use of standard, tamper-evident depository bags for shipping deposits. Separate deposit bags should be prepared for currency and check deposits with one deposit per deposit bag. Bags can be ordered by completing the Client Order Form for Plastic Security Deposit Bags. A reorder form is provided automatically when you receive your first order, or bags can be ordered directly from the vendor’s Web site: http://www.chasebags.com.

All bags listed in the chart are available through J.P. Morgan’s Bag Replenishment Program:

Ordering Commercial Deposit Bags from a Vendor
While our bag replenishment program offers very competitive pricing for these bags, you can order tamper-evident clear plastic bags directly from any deposit bag vendor. Bags purchased from other vendors must meet the following minimum specifications:
 Depository bags must have two separate pouches, one designated for cash, the other designated for checks, traveler’s checks, deposit tickets and other documentation. — The pouch designated for cash should have a highly tamper-evident closure. — The pouch designated for checks, deposit tickets, and so forth should have a resealable closure.
— The two pouches must be clearly separate from each other, so that there is no access from one pouch to the other.

Bag Description Size Bag Capacity
Dual Pouch Deposit Bag 10” x 15” 1,000 notes of currency and 300 checks Dual Pouch Deposit Bag 13” x 21” 3,000 notes of currency and 600 checks  For all discrepancies, a written notice (correction advice) is systemically generated and mailed to your location or other specified address.

Talk with your relationship manager about other options for receving discrepancy notifications.

Cash Vault Services Product Guide
12 ©2023 JPMorgan Chase & Co. All Rights Reserved. JPMorgan Chase Bank, N.A. Member FDIC. All services are subject to applicable laws and regulations and service terms. Not all products and services are available in all geographic areas. Eligibility for particular products and services is subject to final determination by JPMorgan Chase & Co. and or its affiliates/subsidiaries. Produced by TS Global Marketing.  Pouch sizes should be designed to hold the contents of a large majority of the deposits typically made by the individual location.
 The construction of the bag must withstand customer and carrier handling without failing. We recommend a minimum side seal strength of 1,500 grams/inch.  The printing on the outside of the bag must include:
— Detailed instructions outlining the expected contents of each pouch. — Space to write the delivery and sending location information. — A unique numbering system for the identification of each depository bag. This number should be printed on the receipt strip of the bag seal and on the body of the bag. It must be replicated in bar code format as well.  A bar code that should be placed in the tamper-evident section, near the top. The bar code must meet the following specifications: font is 39, optimally with a 1:2 aspect ratio; 15 mil bar width; 2:1 wide to narrow bar ratio; 1/4” to 1/2” white border; and black bar code color with white background.
— The bag must provide visible means to detect tampering attempts. — The bag must have at least one side transparent, so the contents of each pouch can be seen without opening the pouch.
— The bag should be recyclable.
— To ensure compliance and uninterrupted service, you should provide five samples of each vendor-provided bag style to your J.P. Morgan treasury management officer or client service representative prior to placing your first bulk order. We will inspect each bag style provided to ensure sufficient compliance and make recommendations for appropriate modifications.

Ordering Disposable Coin Bags from J.P. Morgan
The Federal Reserve has discontinued its practice of shipping coin in canvas bags. As a result, the supply of canvas coin bags previously used by J.P. Morgan and its armored courier vendors has been depleted. An alternative disposable coin bag that meets Federal Reserve requirements is now available for your use.

J.P. Morgan has worked closely with our bag vendor to develop a line of disposable coin bags that will perform well for you and fully comply with all bank and Federal Reserve requirements.

These bags meet the following specifications:

Bag Description Bag Capacity
Single Pouch Clear Regular Coin Bag with Handle 25 pounds Single Pouch Clear Regular Coin Bag with Handle 50 pounds Bags can be ordered by completing the Client Order Form for Plastic Security Deposit Bags.

A reorder form is provided automatically when you receive your first order, or bags can be ordered directly from the vendor’s Web site: http://www.chasebags.com.

Cash Vault Services Product Guide
13 ©2023 JPMorgan Chase & Co. All Rights Reserved. JPMorgan Chase Bank, N.A. Member FDIC. All services are subject to applicable laws and regulations and service terms. Not all products and services are available in all geographic areas. Eligibility for particular products and services is subject to final determination by JPMorgan Chase & Co. and or its affiliates/subsidiaries. Produced by TS Global Marketing.

Ordering Coin Bags from a Vendor
If you prefer to order coin bags from a different supplier, the bags must meet the minimum specifications to ensure that they meet Federal Reserve requirements:
 The bag should be self-sealing.
 The seal must be tamper-evident.
 Exterior coefficient of friction (COF) of bag should be sufficient to prevent slipping while stacked with other plastic and/or canvas bags. A COF of .95 or higher should meet this standard.
 The bag should incorporate a reinforced handle able to withstand a hang test with 100 pound load.
 The thickness of material should be a minimum of 6.5 mil.  A full bag of coin should be able to withstand eight to ten, six-foot drops.  The dimensions of the bag should approximate that of a standard canvas coin bag.

The fillable space of the bag should not exceed 13” x 19”.  The bag handle should not exceed three inches, with total bag dimensions not to exceed 13” x 22”.
 Bags may be either clear or tinted. If bag materials are colored, the color should not be opaque; contents must be clearly distinguishable through the packaging material Charges for Deposits
Fees related to deposit servicing are assessed through the J.P. Morgan’s Account Analysis service.

Appendix 7
Remote Deposit Capture
Scanner Ordering Guide
Remote Capture
Scanner Ordering Guide
A step-by-step guide on how to order your
J.P. Morgan Remote Capture compatible scanner.

REMOTE CAPTURE SCANNER ORDERING GUIDE

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 find the scanner that fits your needs, while providing the best overall experience when using Remote Capture. All recommended scanners are available for purchase from the Superior Press Online Store.

Other Supported Desktop Scanners:

In addition to the recommended scanner options, Remote Capture supports other scanner types that can be purchased from your preferred fulfillment 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)

REMOTE CAPTURE SCANNER ORDERING GUIDE

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

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
from 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 left 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
A
B
B
C
C D
D

REMOTE CAPTURE SCANNER ORDERING GUIDE

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
F
F
E
E

REMOTE CAPTURE SCANNER ORDERING GUIDE

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

REMOTE CAPTURE SCANNER ORDERING GUIDE

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

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) from 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.

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.

Appendix 8
Account Reconcilement
Input and Output File
Specifications

ARP STANDARD INPUT & OUTPUT SPECIFICATIONS

POSITION SIZE DATA ELEMENT FIELD TYPE FORMAT/JUSTIFICATION COMMENTS 1 1 Record Type Alpha
One character field which identifies the
item type as specified to the right Mandatory
Input codes - I = issues , S = stopped items, V = void or cancel items Output codes - P = paid items, R = reconciled items, O = outstanding items, S = stopped items, V = void or cancel items, C = miscellaneous credit item, D = miscellaneous debit item 2 1 Filler Alpha Spaces
3 - 22 20 Account Number Numeric Right Justified/Zero Filled Mandatory The account number field should contain the JPMorgan Chase supplied number associated with the account.
23 1 Filler Alpha Spaces
24 - 41 18 Serial/Check Number Numeric Right Justified/Zero Filled Mandatory This field has been maximized to 18 digits for future growth. The current ARP system supports serial numbers up to 10 digits in length. The remaining 8 digits should contain zeros.
42 1 Filler Alpha Spaces
43 - 60 18 Amount Numeric - 2 Decimal Places Right Justified/Zero Filled 9(16)V99 Mandatory The amount field should not contain signed data or decimal points. This field has been maximized to 18 digits for future growth. The current check processing system supports amount up to 13 digits in length. The remaining 5 digits should contain zeros.
61 1 Filler Alpha Spaces
62 - 69 8 Issue Date Numeric YYYYMMDD
Mandatory
on Issue
File/ Optional
on output file
The issue date field is used only on input files or output file that are processed as a full reconcilement. If not using, field will be spaces 70 1 Filler Alpha Spaces
71 - 78 8 Paid Date Numeric YYYYMMDD Mandatory
The paid date field is used only with the output files. *Input files should contain spaces in this field.
79 1 Filler Alpha Spaces
80 - 94 15 Additional Data Alpha-Numeric Content Specific Optional The addl data field is an optional field used by both input and output files.

It can contain invoice or purchase order information. Please, no SSN or Tax ID data. *if the field is not used it should contain spaces. 95-144 50 Payee Name Line 1 Alpha-Numeric Content Specific Optional /
Only
available on
Issue File
Payee Name data is placed in these positions for
interrogation/verification. The payee name should be exactly as printed on the first line of the actual check. Punctuation is ignored when the payee name is verified. *If the field is not used is should contain spaces. 145-194 50 2nd Payee Name Alpha-Numeric Content Specific Optional /
Only
available on
Issue File
Payee Name data is placed in these positions for
interrogation/verification. The payee name should be exactly as printed on the second line of the actual check. Punctuation is ignored when the payee name is verified. *If the field is not used is should contain spaces. 195-200 6 Filler Alpha Spaces
SAMPLE LAYOUT (RECORD LENGTH 200) NOTE: 200 Record length is for the Input Only to accommodate Payee Name - Output length is 150 and will not contain Payee Name 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0
12345678901234567890123456789012345678901234567890123456789012345678901234567890123456789012345678901234567890123456789012345678901234567890123456789012345678901234567890123456789012345678901234567890 ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------------- P 00000000000123456789 000000001122334455 000000000000500000 20030514 20030525 Additional DataPAYEE NAME LINE 1 UP TO 50 CHARACTERS FIELD ENDINGPAYEE NAME LINE 2 UP TO 50 CHARACTERS FIELD ENDING P 00000000000123456789 000000001122334456 000000000000500000 20030514 20030525 Additional DataPAYEE NAME LINE 1 UP TO 50 CHARACTERS FIELD ENDINGPAYEE NAME LINE 2 UP TO 50 CHARACTERS FIELD ENDING P 00000000000123456789 000000001122334457 000000000000500000 20030514 20030525 Additional DataPAYEE NAME LINE 1 UP TO 50 CHARACTERS FIELD ENDINGPAYEE NAME LINE 2 UP TO 50 CHARACTERS FIELD ENDING P 00000000000123456789 000000001122334458 000000000000500000 20030514 20030525 Additional DataPAYEE NAME LINE 1 UP TO 50 CHARACTERS FIELD ENDINGPAYEE NAME LINE 2 UP TO 50 CHARACTERS FIELD ENDING ACCOUNT SERIAL AMOUNT ISSUE PAID ADDL DATA PAYEE NAME LINE 1 PAYEE NAME LINE 2 Special Notes:
* Some of the numeric fields may be larger than your system can support. As long as the data ends in the proper position, JPMC should be able to read the data. * All numeric values should be right justified and zero filled. * Headers and Trailers can be added to an issue input file. JPM will not read those records. * Headers and trailers can be added to Output files. Please work with your implementation manager to define the data you need on those records.

Appendix 9
Cybersecurity Overview

2 Copyright © 2024 JPMorgan Chase & Co. All rights reserved. This document contains information that is confidential and is the property of JPMorgan Chase & Co. It may not be reproduced, distributed, or used, in whole or in part, for any purpose other than as expressly authorized by JPMorgan Chase & Co.

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.

Table of Contents
................................................................................................3 ............................................................4 ..........................................................4 .......................................................................................................................5 ................................................................................... 5 ............................................................................... 5 ............................................................................... 5 ....................................................................................................... 5 .......................................................................... 5 ..................................................................................................................... 5 .............................................................................................................. 5 ..................................................................................................................... 5 ................................................................................................................ 6 ................................................................................................................... 6 ......................................................................................................................... 6 ........................................................................................................ 6 ......................................................................................................................... 6 ............................................................................................................................. 6 ............................................................................................ 6 .................................................................................................... 6 ...................................................................................................................... 6 ....................................................................................................................7 .........................................................................................................................7 ..................................................................................................................7 .............................................................................................................................7 .....................................................................7 .......................................................................................8 How Our Capabilities are Designed
How Cybersecurity and Technology Controls are Governed
How We Implement Cybersecurity and Technology Controls
Control Capabilities
Technology Governance, Risk & Compliance
Technology Strategy & Portfolio Management
Information & Technology Asset Management
Identity & Access Management
Cryptography Services and Data Loss Prevention
Security Configuration
Vulnerability Management
Technology Resiliency
Technology Development
Technology Operations
Security Operations
Incident & Event Management
Business Resiliency
Physical Security
Workforce Screening & Investigations
Records Management & Disposal
Third Party Oversight
How we Manage Risk
Risk Identification
Assess & Measure Risk
Risk Treatment
Emerging Technology - Supporting Business Growth
Our Ongoing Commitment to Our Clients
I JPMORGAN CHASE &Co.
3 Copyright © 2024 JPMorgan Chase & Co. All rights reserved. This document contains information that is confidential and is the property of JPMorgan Chase & Co. It may not be reproduced, distributed, or used, in whole or in part, for any purpose other than as expressly authorized by JPMorgan Chase & Co.

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. •
•
•
•
•
•
•
Dear Valued Client:

W. Patrick Opet
Managing Director
Global Chief Information Security Officer
Head of Cybersecurity and Technology Controls
JPMorgan Chase & Co. ("JPMC" or "Firm") is pleased to share an overview of our approach to cybersecurity with you. JPMC maintains cybersecurity and technology control capabilities, designed to protect information in our care that belongs to the Firm and its clients in a constantly evolving threat landscape.

Our capabilities embed industry practices to promote the secure delivery of services to our clients, assess and safely adopt emerging technologies to support those services, manage acquisition and third party suppler-related risks, and meet regulatory expectations in the places we operate. The Firm is committed to protecting and supporting our clients and enhancing their awareness and vigilance around security risks.

The Firm is a globally significant financial institution and participates in international initiatives designed to safeguard critical infrastructure with the goal of contributing to a safe, sound, and resilient financial ecosystem.

How Our Capabilities are Designed
Our information technology Policies and Standards provide the foundation for our capabilities and approach for safeguarding our technology environment consistent with applicable regulatory and legal obligations.

Coverage extends to applications, infrastructure, data and data stores, third-party suppliers that have access to JPMC information or systems, and physical facilities of the Firm with customer and client information.

Our capabilities are designed to:

Provide for the security, confidentiality, integrity, and availability of customer, client, and employee information
Protect against anticipated threats or risks to the security of that information Prohibit unauthorized access to, or use of, information that could harm any customer, client, or employee
Manage, store, transport, and dispose of customer, client, and employee information throughout the data management lifecycle
Support the secure adoption of emerging technologies to enable business growth and enhance services to our client's
Evaluate our third party suppliers' security policies, procedures and controls for alignment with the Firm's Minimum Control Requirements
Provide our employees with appropriate awareness and training on their responsibilities to protect customer and client information and maintain the security of our systems I JPMORGAN CHASE &Co.
4 Copyright © 2024 JPMorgan Chase & Co. All rights reserved. This document contains information that is confidential and is the property of JPMorgan Chase & Co. It may not be reproduced, distributed, or used, in whole or in part, for any purpose other than as expressly authorized by JPMorgan Chase & Co.

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. •
•
•
How Cybersecurity and Technology Controls are Governed
Our governance structure is designed to identify, mitigate, report, and escalate the status of information and cybersecurity risks, as appropriate, including those risks that could have a material impact on the Firm's operations.

Cybersecurity risk management and its governance and oversight are integrated into the Firm's operational and technology risk management frameworks. The Firm implements a Three Lines of Defense structure, in accordance with regulations, to identify and treat control gaps or weaknesses, as appropriate.

The First Line of Defense includes Global Technology and cybersecurity function areas that contribute to risk management processes through control implementation and execution.

The Second Line of Defense includes the firm's Independent Risk Management function that develops and monitors the execution of the risk and compliance governance structure.

The Third Line of Defense includes Internal Audit, which provides independent assessments of the effectiveness of firmwide processes, controls, governance and risk management.

The Firm's governance structure uses key governance forums to disseminate information, monitor and measure progress. These forums are established at multiple levels throughout the Firm, and generally includes representatives from each Line of Business and relevant corporate functions, independent risk management, and internal audit.

The Cybersecurity and Technology Controls Operating Committee ("CTOC") is the principal management committee that oversees the Firm's assessment and management of cybersecurity risk, including oversight of the implementation and maintenance of appropriate controls in support of the Firm's Information Security Program.

The CTOC escalates key operational risk and control issues, as appropriate, to the Global Technology Operating Committee ("GTOC") or its business control committee or to the appropriate Line of Business and Corporate Control Committees. The GTOC is responsible for the governance of the firmwide Global Technology organization, including oversight of Firmwide technology strategies, the delivery of technology and technology operations, the effective use of information technology resources, and monitoring and resolving key operational risk and control matters arising in the Global Technology organization.

The Firm's Board of Directors oversees cybersecurity, with the Board of Directors' Audit and Risk Committees assisting the Board in this oversight. The Board of Directors' Audit Committee reviews the Firm's cybersecurity capabilities and programs annually.

How We Implement Cybersecurity and Technology Controls
The Firm's Risk Management Framework enables the identification, control, and management of cybersecurity-related risks in a manner consistent with the Firm's risk appetite and tolerance. Our Cybersecurity and Technology Controls (CTC) organization is led by the Global Chief Information Security Officer (CISO) and is responsible for governance and oversight of these controls. CTC is part of the Global Technology organization which is led by our Global Chief Information Officer.

I JPMORGAN CHASE &Co.
5 Copyright © 2024 JPMorgan Chase & Co. All rights reserved. This document contains information that is confidential and is the property of JPMorgan Chase & Co. It may not be reproduced, distributed, or used, in whole or in part, for any purpose other than as expressly authorized by JPMorgan Chase & Co.

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.

The Firm continues to make investments in enhancing cybersecurity capabilities, and efforts to provide training and awareness to employees, clients, and third party service suppliers. In partnership with the Firm's lines of business, CTC identifies information security threat and risk issues and provides products and services to protect JPMC's information resources, including applications, infrastructure, and confidential and private information related to the Firm's clients.

CTC also partners with appropriate government and law enforcement agencies, as well as peer and industry groups, to understand the full spectrum of risks in the operating environment, enhance defenses, and improve operational resiliency.

Control Capabilities
The development, continuous enhancement, and management of technology controls is informed by threat intelligence, regulatory requirements, technology risk management frameworks, industry practices, and lessons learned through internal and external events. Firm Policies and Standards, which outline security controls, are reviewed, and approved annually. The following table summarizes our capabilities:

CAPABILITY DESCRIPTION
Establishes control requirements for implementing, maintaining, and executing the technology risk Technology Governance, management program. This includes governance and reporting through its risk identification, control Risk & Compliance definition (i.e., Policies, Standards, Procedures), assessment, and treatment phases.

Technology Strategy &
Portfolio Management
Information &
Technology Asset
Management
Identity & Access
Management
Cryptography Services
and Data Loss
Prevention
Security
Configuration
Vulnerability
Management
Technology
Resiliency
Establishes control requirements such that the technology strategy reflects business and organizational requirements, with technology budgets aligned accordingly.

Establishes the controls for the registration, classification, and lifecycle governance of information and technology assets used by the firm. ITAM provides the taxonomies and lifecycle processes for managing these assets according to the Technology Controls Policy. Additionally, it states the minimum classification attributes for inventory authoritative sources.

Establishes control requirements for managing the identities of users and devices, and for the provisioning and removal of access to technology assets with regard to least privilege, segregation of technology duties, authentication, and attribution. Identity and access management supports secure remote access to our environment and JPMC applications.

Establishes the controls that safeguard data during transit and at rest. These controls are associated with the data itself (e.g., cryptographic controls), and help prevent unauthorized disclosure and/or loss of integrity.

Establishes control requirements for the security of technology assets (e.g., networks, endpoints, etc.) through the definition of secure builds, or baselines, and associated deployment patterns (e.g., segregation of systems, environments, network zones, etc.). The firm's Content Filtering program supports the enforcement of policies, standards and various laws & regulations regarding the appropriate usage of the internet and the protection of personal information.

Establishes control requirements for the identification, discovery, prioritization, and remediation of technology vulnerabilities (e.g., in infrastructure, applications, etc.) via firmwide assessment and testing.

Establishes control requirements for planning and testing the prioritized recovery of technology services in the event of degradation or outage, including recovery readiness.

I JPMORGAN CHASE &Co.
6 Copyright © 2024 JPMorgan Chase & Co. All rights reserved. This document contains information that is confidential and is the property of JPMorgan Chase & Co. It may not be reproduced, distributed, or used, in whole or in part, for any purpose other than as expressly authorized by JPMorgan Chase & Co.

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.

CAPABILITY
Technology
Development
Technology
Operations
Security
Operations
Incident & Event
Management
Business Resiliency
Physical Security
workforce Screening
& Investigations

DESCRIPTION
Establishes control requirements for the architecture, design, build, test, and deployment phases of the technology delivery lifecycle. The Firm employs a software security assurance program that includes architectural risk reviews, secure code reviews, threat based penetration testing and dynamic scanning.

Establishes control requirements for management of the production technology environment including change management, capacity management request fulfilment and technology maintenance.

Establishes control requirements for identification and assessment of technology-borne threats, the hunting, monitoring, and detection of malicious activities, and associated investigations. Our Cybersecurity Operations Centers use a "Follow-the-sun" model to provide 24-hour defense from day-today cyber threats across three strategic locations - New York, London and Singapore.

Establishes control requirements for consistently responding to technology-based exception conditions.

This includes the categorization, mitigation, reporting (e.g., communication, escalation, etc.) and root cause analysis associated with anomalous events and incidents.

The firmwide Business Resiliency Program supports an integrated, risk-based approach to safeguard delivery of services to clients and partners in line with their requirements and the Firm's business strategy and principles. In each region, JPMC performs internal exercises incorporating crisis management processes and participates in externally led, sector-wide cybersecurity exercises with other public and private sector entities. Lessons learned from test activities are provided to management with root cause analysis and recommendations to improve overall resiliency.

The Firm maintains physical security controls designed to protect employees, clients, and our assets from external and internal threats. These include controls to restrict physical access and conduct surveillance monitoring at JPMC locations including data centers and computer facilities that contain critical systems and confidential information.

The Firm's screening processes are managed by Global Security and are designed to provide a safe and secure working environment and protect JPMC employees, facilities, assets, and reputation. To the extent permitted by local laws and regulations, the Firm screens prospective and current employees contingent workers and certain current workforce members depending on their access to JPMC premises, systems and information.

Records Management & The Firm's Centralized Records Management controls retention and destruction of the Firm's records Disposal and data based on regulatory and legal requirements. Records Management governs adherence to these requirements by lines of business and corporate functions.

Third Party oversight The Firm's Corporate Third Party Oversight (CTPO) function identifies, controls, assesses, measures, treats, and governs risk from third party suppliers. An Initial Supplier Control Assessment is required at on boarding for new critical, high, and medium risk engagements and aligned supplier-hosted applications. The resulting control effectiveness rating provides a view of the supplier's control environment to help make an informed decision regarding supplier selection and use of the standard Master Service Agreement. The function leverages the Firm's Global Technology Standards for Technical Assessments and additional cybersecurity monitoring is executed in partnership with Security Operations where appropriate.

Training & Awareness The Firm maintains formal Training and Awareness functions focused on privacy and cybersecurity initiatives for maintaining data confidentiality, integrity, and availability. These initiatives include training that reinforces the Firm's Policies and Standards including responding to unauthorized access to or use of information. Live, virtual, and computer-based training are offered on how to identify potential information and cybersecurity risks. This training is mandatory for all employees globally on a periodic basis, and is supplemented by firmwide testing initiatives, including regular phishing tests.

I JPMORGAN CHASE &Co.
7 Copyright © 2024 JPMorgan Chase & Co. All rights reserved. This document contains information that is confidential and is the property of JPMorgan Chase & Co. It may not be reproduced, distributed, or used, in whole or in part, for any purpose other than as expressly authorized by JPMorgan Chase & Co.

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.

How We Manage Risk
Risk Identification
JPMC maintains a risk identification process to capture and understand cybersecurity risks and threats to the Firm, clients, and stakeholders through changing business, economic, and operating conditions. Our capabilities adhere to the JPMC Risk Identification Framework to identify, document, prioritize, and communicate cybersecurity-related material risks and how they change over time.

Our capabilities incorporate business context, threat intelligence, and regulatory requirements to identify risks. This includes emerging technologies, such as artificial intelligence (Al), cloud computing, and digitization of finance, including blockchain, for which the Firm performs multi-faceted risk assessments in order to identify associated risks.

Assess & Measure Risk
The Firm assesses and evaluates the adequacy of controls via automated or manual processes. Processes, risks, and controls are defined in alignment with Firm taxonomies and recorded in approved systems of record. Control objectives are evaluated by the Firm's risk assessment processes and test controls in accordance with their risk-based methodologies and frequencies. Metrics are maintained to measure material risks and the effectiveness of key controls in accordance with Firm Standards for Operational Risk Metrics and reported to senior management.

Risk Treatment
The Firm monitors and manages risk exposure through prioritized remediation efforts. As required by Firm Policy, issues resulting from a control gap or weakness identified by Global Technology, Independent Risk Management, Internal Audit, and Regulators are recorded in the Firm's approved system of record. Potential solutions are assessed in alignment with risk, business-driven priorities and JPMC's controls and security architecture. Risk Treatment Plans to remediate or accept the risk are approved and monitored regularly for completion with significant delivery issues escalated for senior management attention.

Emerging Technology - Supporting Business Growth
The Firm actively monitors the emerging technology trends that surround our business and wider industry.

These are considered as part of our strategy setting process, and we are diligently working to have the right investment and focus in place so that we are best positioned for success. This particularly applies to emerging technologies, such as artificial intelligence and digitization of finance, including blockchain, for which the Firm performs multi-faceted risk assessments in order to maximize benefit and reduce risk. Al is an extraordinary and groundbreaking technology, and along with the raw material that feeds it, data, will be critical to the Firm's future success.

I JPMORGAN CHASE &Co.
8 Copyright © 2024 JPMorgan Chase & Co. All rights reserved. This document contains information that is confidential and is the property of JPMorgan Chase & Co. It may not be reproduced, distributed, or used, in whole or in part, for any purpose other than as expressly authorized by JPMorgan Chase & Co.

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.

Our Ongoing Commitment to Our Clients
The Firm continuously enhances our capabilities to protect our clients' data as part of the Firm's business principle of exceptional client service. We strive to support JPMC's innovative, best-in-class client solutions that focus on safety and security, while reflecting a robust governance, risk, and controls environment.

Thank you for your continued confidence in JPMC.

W. Patrick Opet
Managing Director
Global Chief Information Security Officer
Head of Cybersecurity and Technology Controls
I JPMORGAN CHASE &Co.

CC/LRA – 12/10/2024
CC Resolution 2024-

CITY OF RIVERBANK
RESOLUTION 2024-

A RESOLUTION OF THE CITY COUNCIL OF THE CITY OF RIVERBANK,

CALIFORNIA, AUTHORIZING THE CITY MANAGER TO EXECUTE A CONTRACT

WITH JPMORGAN FOR BANKING AND MERCHANT SERVICES

THE CITY OF RIVERBANK CITY COUNCIL (HEREAFTER REFERRED TO AS THE “CITY COUNCIL”) DOES HEREBY RESOLVE THAT:

WHEREAS, the City of Riverbank issued a Request for Proposal (RFP) in August 2024 to identify a financial institution to provide Banking Services Depository and Merchant Services; and
WHEREAS, the purpose of the RFP was to minimize banking costs, improve operational efficiency, and maximize earnings, while ensuring the City's cash management needs are met; and
WHEREAS, the City received proposals from four financial institutions:

JPMorgan, WestAmerica Bank, Oak Valley Bank, and F&M Bank; and WHEREAS, an extensive evaluation process, including assistance from a consultant, was conducted based on the institutions’ service offerings, technology, fees, and earning potential; and
WHEREAS, JPMorgan received the highest scores for both banking and merchant services due to its advanced technology, superior service integration, costeffectiveness, and ability to meet the City's financial and operational requirements; and WHEREAS, the proposed contract with JPMorgan includes a five-year term, with a two-year extension option, fixed fees for the initial term, and compliance with state and federal regulations.

NOW, THEREFORE, BE IT RESOLVED that the City Council of the City of Riverbank hereby approves the following:

1. Award the contract for Banking Services and Merchant Services to JPMorgan.

2. Authorize the City Manager to execute a contract with JPMorgan for an initial five-year term, with the option for a two-year extension upon mutual agreement and written approval.

ATTACHMENT 2

CC/LRA – 12/10/2024
CC Resolution 2024-

3. Authorize the City manager to take all necessary steps to implement the provisions of this resolution and ensure compliance with the terms of the agreement.

PASSED AND ADOPTED by the City Council of the City of Riverbank at a regular meeting held on the 10th day of December 2024; motioned by Councilmember , seconded by Councilmember , and upon roll call was carried by the following City Council vote of :

AYES:

NAYS:

ABSENT:

ABSTAINED:

ATTEST: APPROVED:
________________________________ __________________________ Gabriela Hernandez, CMC Rachel Hernandez
City Clerk Mayor
Exhibit A: Consultant Services Agreement
Appendix 2
Sample Consolidated
Service Terms and
Deposit Account
Agreement

EXHIBIT A

V4.1_01_04_23
Consolidated
Service Terms
Chase provides an array of treasury services to meet your business needs. This booklet contains important information about Chase solutions that we provide. If you would like to add a service that is covered in this booklet, please contact your Cash Management Consultant.

TREASURY SERVICES (United States)
Business Banking

Welcome to JPMorgan Chase Bank, N.A. (“J.P. Morgan”, “Chase”, or “Bank”). We are pleased that you have decided to maintain a banking relationship with us. This Consolidated Service Terms booklet (“Booklet”) contains the terms for certain cash management services Chase may provide the Customer (“you”). By using or continuing to use any of the services referenced herein after receipt of this Booklet, you acknowledge that you have received and agree to be bound by the Deposit Account Agreement, as amended by the Service Terms of this Booklet, in addition to such supplements, amendments, notices, and additional Service Terms, as applicable.

This Booklet includes Service Terms applicable for Treasury Services services which Chase may provide to you. The Service Terms included in this Booklet are subject to the Bank’s Deposit Account Agreement, as amended. Any modifications to this Booklet, including but not limited to any changes, amendments, deletions and/or additions, will not be binding upon Chase unless such modifications are acknowledged and agreed to in writing by an officer of Chase. JPMorgan Chase Bank, N.A. is organized under the laws of U.S.A. with limited liability.

We look forward to serving your business needs and thank you again for choosing Chase.

SERVICES FOR CUSTOMERS
A. Amendment to Deposit Account Agreement
B. ACH Origination
C. ACH Transaction Blocking & ACH Transaction Review
D. U.S. Funds Transfer
E. U.S. Funds Transfer by Check
F. Lockbox
G. Coin & Currency
H. Positive Pay, Reverse Positive Pay and Payee Verification I. Electronic Channels

A. Amendment to Deposit Account Agreement

INTRODUCTION
This document (“Amendment”) amends your Deposit Account Agreement as it relates to certain cash management services (“Services”) offered by the Bank. The Deposit Account Agreement, as amended by this Amendment, shall hereinafter be referred to as the “Account Terms.” The Account Terms may be supplemented or amended by existing or future agreements, terms and conditions, and notices, including, but not limited to any terms contained in an implementation form or similar document regarding Services, or which by their terms (“Service Terms”) are subject to the Account Terms. The Accounts established with the Bank are subject to the Account Terms and relevant Account and service documentation (“Account Documentation”).

By signing service implementation forms or similar document, or by using or continuing to use any of the Services after receipt of this Amendment and relevant Service Terms, the Customer agrees to be bound by the Account Terms and the respective Service Terms.

Capitalized terms in the Service Terms, unless otherwise defined herein, shall have the meanings set forth in the Deposit Account Agreement.

As used herein, the term “Bank” means JPMorgan Chase Bank, N.A., and any of its affiliates or subsidiaries, and shall include any of its successors or assigns. “Customer” means the entity to which accounts and services are being provided by the Bank.

GENERAL PROVISIONS

1. Authorized Persons. The Bank is authorized to rely upon any document that indicates the person (“Authorized Person”) authorized to act on behalf of the Customer with respect to the Services, until the Customer, by written notice to the Bank, withdraws the authority of the Authorized Person, and the Bank has a reasonable opportunity to act on the notice. Each Authorized Person, subject to any limitation received and accepted by the Bank, is authorized on behalf of the Customer to issue requests, directions or instructions, including, without limitation, payment orders, with respect to any Service (“Instruction”).

2. Security Procedures. If the Bank and the Customer agree on a security procedure to be used for any type of Instruction, the Customer and the Bank shall safeguard any test keys, passwords, user identification codes, user documentation, and any other security or authentication devices, and the Customer shall be responsible for any Instructions using such security procedures. It is understood that the security procedures used by the Bank and the Customer are designed to verify the authenticity of, and not to detect errors in, the Instructions.

3. Items. The Bank is not responsible for actions taken by other banks, nor for the loss or destruction of any item in the possession of other banks or in transit. In the event the Bank receives or is presented with items that appear to be duplicates of each other, then the Bank may return one or more of such items. If the Bank offers the Customer services reasonably designed to help prevent check fraud and the Customer fails to utilize those services, that failure will constitute Customer negligence contributing to the making of an unauthorized signature and the Customer will assume the risk that checks or drafts presented against its Account may be forged or altered, to the extent that the services the Bank offered may have prevented any loss.

4. Funds Transfer.
(a) The Customer may issue funds transfer Instructions against Accounts, subject to the Bank’s acceptance. Funds transfer Instructions will be received, processed and transmitted only on the Bank’s funds transfer business days, and within the Bank's established cut-off hours on such days. The Bank will debit the Account for the amount of each funds transfer Instruction accepted by the Bank, and may debit the Account for all fees associated with any funds transfer Instruction. The Customer may reverse, amend, cancel or revoke an Instruction only with the consent of the Bank, and the beneficiary's bank, as applicable. (b) In connection with any funds transfer, the Bank and other financial institutions may rely upon the identifying number of the beneficiary, the beneficiary’s bank or any intermediary bank included in the funds transfer. The beneficiary’s bank in the funds transfer Instruction may make payment on the basis of the identifying number even though it identifies a person different from the named beneficiary. The Customer shall be responsible for the consequences of any inconsistency between the name and identifying number, as instructed, of any party in such a funds transfer Instruction. Notwithstanding any instructions by the Customer to the contrary, the Bank reserves the right to use any funds transfer system and any intermediary bank in the execution of any funds transfer Instruction and may otherwise use any means of executing the funds transfer Instruction which the Bank deems reasonable in the circumstances. (c) In accepting a funds transfer Instruction for payment in currency other than U.S. Dollars, the Bank is authorized to debit the Account for the equivalent amount of the foreign currency transferred at the Bank’s prevailing rate of exchange. In processing the funds transfer, other banks may deduct fees from the payment order issued to them. If the Bank accepts funds transfer Instructions issued in a foreign currency where the Customer is the beneficiary, the Bank may convert the funds to the currency of the Account at the Bank’s applicable currency exchange rate and charge the Customer a fee for such currency conversion. (d) The authenticity of oral or written (including writings transmitted by facsimile) funds transfer Instructions and amendments to them may, at the Bank’s discretion, be verified by telephonic call-back confirmation with an individual purporting to be an Authorized Person. If the Bank is not satisfied with any such confirmation, it may decline to honor any such Instruction. The Customer agrees that this security procedure is

commercially reasonable for such funds transfer Instructions. The Customer further agrees to be bound by such funds transfer Instructions, whether or not authorized, issued in the name of the Customer using this security procedure. (e) Any credit given by the Bank to the Customer for an ACH entry shall be provisional until the Bank receives final settlement. If the Bank does not receive final settlement, the Bank may revoke the provisional credit and charge back the amount to the Account or obtain a refund from the Customer, in which case the originator of the credit entry shall not be deemed to have paid the Customer the amount of such entry.

5. Limitation of Liability; Indemnity.
(a) The Bank shall have no liability for any damage, loss, expense or liability of any nature that the Customer may suffer or incur, except to the extent of direct losses or expenses attributable to the Bank's gross negligence or willful misconduct. The Bank shall not, in any event, be liable for indirect, special, consequential or punitive loss or damage of any kind (including, but not limited to lost profits), whether or not foreseeable, even if the Bank has been advised of the likelihood of such loss or damage, and regardless of whether the claim for loss or damage is made in negligence, gross negligence, for breach of contract or otherwise; provided, however, that the foregoing shall not apply to the extent such loss or damage is caused by fraud on the part of the Bank. (b) The Customer agrees to indemnify and hold the Bank, its agents, employees, officers and directors, harmless from and against any and all claims, damages, demands, judgments, liabilities, losses, costs and expenses (including attorneys’ fees) resulting directly or indirectly from the Bank’s acceptance or execution of any request or direction, including, without limitation, items and Instructions issued in the name of an Authorized Person.

6. Termination. Either the Bank or the Customer may terminate a Service at any time, with or without cause. If the Bank terminates a Service, the Bank may send you written notice of that on the date it terminates the Service. Notwithstanding anything to the contrary in any Service Terms, upon the closing of an Account, all Services linked to such Account are simultaneously terminated (unless otherwise specifically agreed to by the parties).

However, any such closing or termination shall not affect the Customer’s liabilities to the Bank arising prior to, or on, such closing or termination, all of which shall continue in full force and effect.

7. Fees. The Bank may impose, charge, pass-through and modify fees and/or charges for Accounts and services provided by the Bank, including, but not limited to, transaction, maintenance, balance-deficiency, and service fees and other charges, including those levied by any governmental authority (collectively "Fees"). The Customer will pay all Fees. The Bank may debit any Account for Fees, whether or not such debit may result in an overdraft of the Account. All payments to the Bank shall be in full, without set-off or counterclaim, and free of any deduction or withholdings related to any tax or other claim.

8. Miscellaneous.
(a) Account statements, confirmations or advices (“Account Statements”) sent via the Internet or electronic Account Statements, if applicable, shall be deemed by the Customer and the Bank to be available to the Customer when the Account Statements are posted on the Internet and the Bank sends an electronic mail notification of availability to the Customer, or when the Bank sends the electronic Account Statement to the Customer. For purposes of determining when an item is sent to the Customer, an image of an item or information identifying the item (i.e. item number, amount and date of payment) is a sufficient substitute for the actual item. (b) All Account Statements and notices may be sent to the Customer by ordinary mail, by courier, by facsimile transmission, by electronic transmission (including but not limited to e-mail), or through Internet sites, or by such other means as the Customer and the Bank agree upon from time to time, at the address of the Customer on the books and records of the Bank. (c) The Customer acknowledges that deposits held in a branch of the Bank located outside the United States: (i) are not insured by the Federal Deposit Insurance Corporation; (ii) are subject to cross-border risks; and (iii) may enjoy a lesser preference as compared to deposits held in the United States in the event the Bank should be liquidated, insolvent or placed into receivership or other proceeding for the benefit of creditors.
(d) To the extent that the Customer has or hereafter may acquire any immunity (including sovereign, crown or similar immunity) from jurisdiction of any court, suit or legal process (whether from service of notice, injunction, attachment, execution or enforcement of any judgment or otherwise), the Customer irrevocably waives and agrees not to claim such immunity. (e) Any provision of any Service Terms that is inconsistent with a provision of the Account Terms shall supersede the Account Terms for purposes of the particular Service which is the subject thereof. (f) The Customer agrees that the Bank may deliver, make available and/or make accessible terms and conditions applicable to Accounts and Services to the Customer via electronic means and channels (including but not limited to by posting such terms on a Bank website). The Bank may request that the Customer "click" its approval of such terms. Subject to applicable law and regulations, the Customer agrees that the act of "clicking" its approval (or any similar act which has the same effect) with respect to any such terms will be evidence of Customer's acceptance of the applicable terms and conditions, to the same extent, and with the same force and effect, as if Customer had manually executed a written version of such terms and conditions.

(g) Certain services may be performed by Bank or any affiliate, including affiliates, branches or units located in any country in which Bank conducts business or has a service provider. The Customer authorizes Bank to transfer Customer information to such affiliates, branches or units at such locations as the Bank deems appropriate. Bank reserves the right to store, access, or view data in locations it deems appropriate for the services provided.

The services described herein (each a “Service”) are subject to the Bank’s Account Terms (as may be amended from time to time), which are hereby incorporated by reference into each Service Terms. By using any of the Services described hereunder, the Customer acknowledges that it has received and agreed to the Account Terms, as supplemented by these Service Terms. Capitalized terms in the Service Terms, unless otherwise defined herein, shall have the meanings set forth in the Account Terms.

B. ACH Origination
The origination of ACH Entries and the transmission and issuance of other transactions and information will be pursuant to these Service Terms and the Operating Rules and Guidelines (collectively the "Rules") of the National Automated Clearing House Association. Capitalized terms used in these ACH Service Terms, unless otherwise defined in the account documentation or these Service Terms, shall have the same meanings as set forth in the Rules.

Customer and JPMorgan Chase Bank, N.A. (the “Bank) agree to comply with and be bound by the Rules as in effect from time to time.

1. Service. Bank provides automated clearing house (“ACH”) origination services that will enable Customer to do one or more of the following:
 originate ACH Debit Entries;
 originate ACH Credit Entries; and
 instruct the Bank to issue or transmit prenotifications, reversals, requests for return, notifications of change or other information pertaining to the Entries.

Origination of ACH Credit Entries and origination of ACH Debit Entries are two separate services and approval or set up for one ACH service does not automatically create the ability to utilize the other. Further, the Customer’s origination of WEB, TEL and IAT Entries requires additional preapproval by the Bank; if the Customer attempts to originate such Entries without first obtaining such approval, the Entries may be suspended, delayed or rejected pending completion by the Bank of product due diligence, know-your-customer and/or other review as the Bank determines to be necessary in its discretion. The Rules and these Service Terms shall apply to all Entries, whether or not transmitted through an ACH Operator.

It is Customer’s responsibility to provide Entries and instructions to Bank with all the necessary information to complete Customer’s requested transactions. Customer agrees to transmit Entries to Bank in the manner, at the times and in accordance with approved media, content and format as agreed by Bank and Customer. Bank may reject or delay processing transactions or information if instructions are not complete or are inaccurate, contain an inactive Company ID or otherwise do not meet the criteria Bank specifies for acceptance. All requests to Bank must be received by Bank before Bank’s established cut-off time in order for processing to commence on that ACH processing day. Any request that is incomplete or that Bank finishes receiving after the relevant cut-off time will be processed by Bank on the next day Bank processes ACH transactions. All transactions are subject to acceptance by Bank. Bank will notify Customer of any transactions or other transmissions that are rejected or returned.

If Customer wants Bank to re-process those transactions or transmissions, Customer must correct them and re-submit them. Customer agrees to furnish Bank with copies of any authorizations or notifications, if requested, as well as any other information reasonably requested by Bank relating to Entries originated by the Customer. Customer shall provide Bank’s auditors and other personnel with reasonable access at all reasonable times to the Customer’s facilities, data and records relating to the initiation of Entries for the purpose of auditing Customer’s compliance with these Service Terms and the Rules.

2. Security and Data Protection Procedures. All instructions received by Bank in Customer’s name are subject to verification pursuant to mutually agreed security procedures. If Bank follows those procedures, Bank may process and transmit transactions or information in Customer’s name. Unless Customer and Bank both otherwise agree, transmissions to Bank will be authenticated and/or encrypted using commercially reasonable security technologies meeting standards acceptable to Bank. If Customer uses a security procedure other than as described above, Customer acknowledges that Customer refused Bank’s security procedure and chose another and Customer agrees to be bound by any transaction, whether or not authorized, issued in Customer’s name and accepted by Bank in compliance with the security procedure Customer chose. If Customer elects not to utilize recommended message authentication and/or encryption technology, Customer assumes all responsibility for unauthorized disclosure or unauthorized access to Customer’s data that occurs during transmission or while such data is in storage. Customer shall not disclose any Receiver’s account number or routing number to any third party for such third party’s use, directly or indirectly, in initiating a separate Debit.

3. Settlement and Exposure Limits. On the settlement date, Bank will credit Customer’s account with Bank that Customer specifies for the total of:
 Customer’s Debit Entries that Bank processed for settlement that day;  RCCs issued for deposit to Customer’s account on that day; and  any returned or reversed Credit Entries.

Bank may delay the availability of funds deposited into Customer’s account by Debit Entry or RCC until those transactions cannot be reversed in accordance with the Rules or applicable law.

Bank will debit Customer’s account with Bank that Customer specifies for the total of Credit Entries processed in Customer’s name and for any returned Debit Entries and RCCs. Bank may require Customer to pay Bank the amount of any Credit Entries on the date of transmission to Bank or otherwise prior to the settlement date. Bank also may require Customer to maintain collateral with Bank in an amount Bank specifies.

Bank may from time to time establish or revise maximum dollar limits for the total value of all outstanding files of Credit Entries and/or Debit Entries and RCCs that Bank will release on Customer’s behalf. Bank may change or cancel the limits at any time without prior notice to Customer; although Bank will try to notify Customer before Bank does that.

4. Warranties; Indemnity. Except as specified below, Customer will be deemed to make the same warranties to Bank as Bank makes pursuant to the Rules. In the case of an Entry to another account with Bank, warranties will be deemed to be given as of the time Bank first processes the Entry. Customer will not be deemed to warrant the power of the Bank under applicable law to comply with the requirements of the Rules or the conformity of Entries and other data Bank transmits to the file specifications contained in the Rules. The Customer further represents, warrants and covenants that (a) each Entry and RCC it originates will comply with all applicable U.S. laws and regulations and acknowledges that Entries may not be initiated that violate the laws of the United States, (b) unless Customer has identified itself to Bank as a Third Party Sender (as defined in Section 7) and obtained Bank’s express consent to originate Entries as a Third Party Sender, Customer will not originate any Entries, or use any of its Company IDs to originate Entries, on behalf of third parties (including, without limitation, any affiliate of Customer), and (c) Customer will not permit a third party to originate Entries using a Customer account as the offset account unless Customer obtains Bank’s express consent to do so.

Customer agrees to indemnify Bank and Bank’s employees, officers, directors and agents, and hold all of them harmless from and against any and all claims, demands, losses, liabilities or expenses (including attorneys' fees and costs) resulting directly or indirectly from (a) Customer’s breach of any warranty made under these Service Terms and (b) compliance by Bank and the RDFI with any request Customer makes for a cancellation, stop payment, reversal or recall of any Entry or any RCC created by Bank under Section 1 hereof.

Bank shall have no responsibility for any delay by any ACH Operator or RDFI in processing any Entry the Bank transmits to the ACH Operator or failure to process or credit or debit any such Entry.

5. Stop Payments; Reversals and Recalls; Rejections. Customer’s instruction to cancel, stop payment of, reverse or recall one or more Entries must be received by Bank in such time and manner as Bank specifies. Bank will process these transactions in accordance with Bank’s procedures advised to Customer. Any reversal or recall initiated by Bank is subject to acceptance by the RDFI. Instructions to reverse or recall an ACH Credit Entry that are not initiated by Customer in time to meet the prescribed NACHA deadline for reversals may be originated by Bank as a Debit Entry; Customer shall obtain authorization from the Receiver in accordance with the Rules for any such Debit Entry and all other terms of these Service Terms applicable to Debit Entries shall apply. Entries or other instructions may not be amended or modified.

If Customer originates Debit Entries to an account or accounts at a financial institution that is not a Participating Depository Financial Institution in the ACH system (such account hereafter called a “Non-ACH Eligible Account”), all such Debit Entries will be rejected unless Customer subscribes to a service, subject to Bank’s prior consent, pursuant to which Bank will process each such Debit Entry to a Non-ACH Eligible Account by preparing a remotely created check, as such term is defined in Federal Reserve Regulation CC (an “RCC”), on the Customer’s behalf. The RCC will be drawn in the amount and on the Non-Eligible ACH Account of the individual or entity specified as the receiver in the Customer’s instructions and will be deposited to the Customer’s designated account with Bank, Such RCC will thereafter be processed through the check clearing system. If the Customer is using such service, the Customer hereby authorizes the Bank to create each RCC as described herein and the Customer warrants to the Bank, with respect to each RCC, that the person on whose account the RCC is drawn authorized the issuance of such RCC in the amount and to the payee stated in the RCC. The Customer authorizes the Bank to debit the Customer’s account for any claim or return based upon an unauthorized RCC. All other terms herein related to Entries shall also apply to RCCs created under this Section. The Bank shall not create or process RCCs or other paper drafts in lieu of ACH Debits under any circumstances other than for Non-ACH Eligible Accounts and only when the Bank has consented to provide such service, even if the Customer includes an instruction in its file for the Bank to otherwise originate an RCC or paper draft.

6. Third Party Service Providers. Customer may choose to use a third party service provider or service bureau to issue Entries or other instructions, handle returned Entries or perform other functions for and on Customer’s behalf. If Bank accepts such Entries or other instructions, Customer will be bound by them. Customer is responsible for all actions taken or not taken by Customer’s provider and Customer is responsible for all costs and expenses of Customer’s provider.

7. Notification to Bank if Customer is or Becomes a Third Party Sender. Customer will not initiate Entries as a Third Party Sender or otherwise originate Debit Entries or Credit Entries on behalf or for the benefit of other persons or entities without prior notification to, and approval of, the Bank. Accordingly, Customer will notify Bank if Customer at any time intends to become a Third Party Sender and will not commence such activity unless and until Bank approval is obtained.

8. IAT Entries. If Customer is originating Entries that are required to be formatted under the Rules as IAT Entries, Customer will comply with all applicable Rules relating thereto, and Customer will originate such Entries only through one of Bank’s ACH origination channels that support IAT origination. Some of Bank’s ACH origination channels do not accommodate IAT Entries; upon request, the Bank will advise Customer as to which of Bank’s ACH origination channels can be used for IAT origination.

If a foreign currency conversion is performed by Bank in connection with an IAT Entry, Customer acknowledges that the foreign currency exchange rates fluctuate, and accepts the risk of such fluctuation, including fluctuations in rate between the time Customer submits the Entry Data Instructions and the time the transaction is executed and/or reversed, returned or recalled. Any payment returns and/or reversals will be credited to Customer’s account in the currency in which Customer’s account is denominated, and Customer is responsible for any rate fluctuations.

In the event of an erroneous or duplicate IAT Entry originated for payment to a receiving bank outside the United States, the rights of Bank and Customer with respect to reversal or recall of such Entry are subject to the laws, regulations and payment system rules of the receiving bank’s jurisdiction.

Customer acknowledges and agrees that IAT Entries may be delayed in processing or posting due to the Bank’s or RDFI’s review of such Entries for OFAC compliance. Further, Customer understands and acknowledges that unlike PPD Credit Entries, there is no requirement under the Rules that IAT Credit Entries that are made available to an RDFI by its ACH operator by 5:00 pm on the banking day prior to the Settlement Date be made available to the Receiver at the opening of business on the Settlement date; cleared IAT Credit Entries must be made available no later than the Settlement Date of the Entry, but funds are not required to be available at opening of business on the Settlement Date.

9. Same Day Entries. The terms set forth in this Section 9 apply to any Same Day Entry, as such term is defined in the Rules, originated by the Customer. From and after the effective date specified under the Rules for Same Day Credit Entries and Same Day Debit Entries (or such other dates as may be communicated to the Customer by the Bank), subject to the conditions set forth in this Section 9, any Credit Entry or Debit Entry submitted to the Bank that meets the criteria set forth in the Rules for a Same Day Entry (“Same Day Criteria”) may be processed and released by the Bank in such time and manner as to enable same day processing and settlement by the applicable ACH Operator and RDFI.

The Bank may, in its sole discretion, provide the Same Day ACH Service to its customer segments on either an opt-out basis or an opt-in basis. If the Service is provided to the Customer on an opt-out basis, any Credit Entry or Debit Entry transmitted to the Bank in the name of the Customer that meets the Same Day Criteria may be processed as a Same Day Entry (from and after the Respective Implementation Date), and the Customer will be charged applicable fees for such processing. The Customer may elect to exclude transactions from Same Day ACH processing by notifying the Bank in writing (or by such other means as the Bank may specify) of specified Company IDs that the Customer wants to exclude from Same Day ACH processing even if the Same Day Criteria are met. In such case, the Bank will exclude files/Entries with such Company IDs from the Service. If the Service is provided to the Customer on an opt-in basis, the Customer may request that its originated Entries meeting the Same Day Criteria be processed on a same day basis; otherwise, such Entries will not be processed on a same day basis. As a result of the implementation of the Same Day ACH processing, there may be changes to the posting times for Entries; Same Day ACH Entries as well as Entries originated to accounts of Receivers at the Bank may be posted to Receivers’ accounts earlier than posting was occurring prior to implementation of Same Day ACH processing. Notwithstanding anything to the contrary contained in these Service Terms, certain Bank transmission channels will not provide capability for origination of Same Day ACH Entries or will provide such capability at a later time than other channels.

10. Incorporation of Account Documentation; Termination. The provisions of the account documentation, including terms and conditions governing the operation of business accounts and services, are incorporated into these Service Terms by reference. By acknowledging or signing the applicable account documentation or by using or continuing to use the ACH Origination Services, Customer agrees to these Service Terms. In addition to Bank’s termination rights under the aforementioned documentation, Bank shall have the right to terminate or suspend these Service Terms and the Services upon notice to Customer in the event of the Customer’s breach of the Rules.

C. ACH Transaction Blocking & ACH Transaction Review
ACH Transaction Blocking is a Service that allows a Customer to block and return ACH debit and credit Entries originated to the Customer’s account with the Bank. ACH Transaction Review allows the Customer to review ACH debit and credit Entries originated and posted to the Customer’s account with the Bank and to instruct the Bank to return some or all of these transactions.

1. Service. Bank provides a service that allows Customer to block and return ACH debit and credit entries originated to Customer’s account with Bank. Customer can select from a variety of authorization or blocking criteria and advise Bank in a manner and form acceptable to Bank. Bank will return any blocked transaction indicating that the ACH debit was not authorized or that the ACH credit was refused.

2. Company IDs. If Customer elects an option that blocks or allows ACH debits or credits from specified companies, Customer must supply the Bank with the applicable ACH Company ID of the Originator as it appears on the Company/Batch Header Record. The Company ID will be the sole criterion for blocking debit and credit entries (unless Customer has also set maximum dollar limits) and Bank will have no obligation to take any other steps to determine the identity of the Originator. Customer will be solely responsible for obtaining the correct Company ID for each such Originator.

Customer understands that Company IDs are not unique and that a Company ID may identify more than one Originator, and one Originator may have multiple Company IDs. Customer understands that Company IDs are not a perfect filter and that transactions from Originators may be blocked or allowed if the Originator uses a Company ID other than the one Customer identifies. Bank will not be responsible for transactions blocked or allowed in accordance with the instructions Customer provides for the Company ID.

3. Transactions Not Affected by Blocking. ACH debit and credit blocks do not apply to certain transactions. The following types of ACH-related transactions will not be blocked:
(a) debits or credits to Customer’s account to offset any ACH credit or debit entries originated by Customer through Bank ;

(b) reversals of previously received ACH credit or debit entries; (c) returns or reversals by the RDFI of ACH debit or credit entries originated by Customer through Bank; (d) reclamation entries (debits);
(e) debits or credits to Customer’s account initiated by Bank or Bank’s agent or affiliate to correct processing errors, effect back valuations, make other adjustments or, with respect to debits, for fees, charges or other amounts Customer owes Bank or Bank’s affiliates; and (f) debits or credits to Customer’s account that the Bank posts pursuant to its internal procedures in order to comply with applicable law, regulations or payment system rules or guidance.

ACH Transaction Review

4. Service. Bank provides a service that allows Customer to review ACH debit and credit entries originated and posted to Customer’s account with Bank and to instruct Bank to return some or all of these transactions. Customer shall use filter criteria available through the service to select the types or categories of incoming ACH debit and/or credit transactions it wishes to review or Customer may elect to review all incoming ACH transactions subject to Section 2(d) below.

5. Review and Return Process. Based upon the filter criteria selected by the Customer, ACH transactions meeting that criteria will be made available for Customer to review not later than a designated time on the banking day following the day on which the transactions are posted to the Customer’s account. The details provided by Bank for each entry will include account number, dollar amount, company ID, receiver’s name, standard entry class code and settlement date.

6. Customer shall advise Bank by means of an agreed upon transmission method not later than Bank’s designated cut-off time on the same day as transaction information is made available for those transactions, if any, that are unauthorized and that Customer wishes to return. Bank is entitled to rely on any instructions which it receives and which it reasonably believes to be genuine. Bank shall return all such transactions and make corresponding adjustments to the Customer’s account to which the transactions had been posted. All transactions reported to Customer as to which Bank does not receive a timely return instruction from Customer will remain posted or be returned based on the Transaction Review profile default decision setting established by the Customer.

7. ACH Transactions Not Subject to Review. The following types of ACH transactions will not be made available for Customer’s review and decisioning:
(a) debits or credits to Customer’s account to offset any ACH entries originated by Customer through Bank ; (b) reversals of previously received ACH entries;
(c) returns or reversals by the RDFI of ACH entries originated by Customer through Bank; (d) reclamation entries;
(e) debits or credits to Customer’s account initiated by Bank or Bank’s agent or affiliate to correct processing errors, effect back valuations, make other adjustments, or to comply with legal requirements or for fees or charges Customer owes Bank or Bank’s affiliates; and (f) if Customer is also subscribing to the ACH Transaction Blocking service, any transactions blocked and returned pursuant to that service.

8. Certain Reviewed Transactions Maybe Returned/Posted Despite Instructions. Certain transactions reviewed and approved by the Customer may nevertheless be returned by the Bank. This will happen if (i) there are insufficient funds in the Customer’s account to cover the amount of an ACH debit or other charge, (ii) a stop payment was previously placed on the transaction, or (iii) the Bank determines the transaction must be returned for legal or regulatory reasons. Certain transactions that the Customer advises should be returned may nevertheless be posted by the Bank; these include ACH debits or credits to the Customer’s account that the Bank posts pursuant to its internal procedures in order to comply with applicable law, regulations or payment system rules or guidance.

D. U.S. Funds Transfer
Chase’s Funds Transfer Service enables the electronic transfer and settlement of funds between the Customer and a beneficiary of the payment to destinations around the world. Customers use USD funds transfer services (as opposed to checks or ACH payment services) when they seek sameday settlement with intraday finality and irrevocability of payments.

1. Service. The Customer may issue payment orders against its accounts with the Bank by means of SWIFT, electronically, by telephone or by such other method as the Customer and the Bank may agree upon. All funds transfer instructions sent to the Bank shall be in the format specified by the Bank and must be received by the Bank no later than such time as may be established by the Bank upon notice to the Customer. The Bank will determine the order in which it processes payment orders. If the Customer’s payment order bears the codeword “PRIORITY” in such field as the Bank specifies, the Bank will use reasonable efforts to move such payment order in advance of the Customer’s standard payment orders. If the Customer’s payment order bears the codeword “TIMED” in such field as the Bank specifies, the Bank will endeavor, but will have no obligation, to process the payment order by the time requested by the Customer within the payment order. For “TIMED” payment orders, funds in the Customer’s Account are reserved by the Bank on the payment value date until processed. The Bank will have no liability for failure to process payments by the time requested by the Customer.

2. Security Procedures. All payment orders and communications requesting amendment of payment orders issued in the Customer's name are subject to verification by the Bank in accordance with the security procedures agreed upon between the Customer and the Bank. Such security procedures may be set forth in written agreements between the Customer and the Bank.

3. Advices. The Customer may subscribe to Bank services for the delivery of account-related activity and information (“Advices”), to a party designated by the Customer, including but not limited to information relating to credits and debits to a Customer account, and the return or rejection of certain payments. Advices may be sent via SWIFT or to devices capable of receiving text messages, such as alphanumeric pagers and cellular phones, or as otherwise agreed upon by the parties. The Customer is responsible for maintaining the accuracy of the information that is required to deliver such Advices, including but not limited to the address and/or telephone number of the recipient and, if applicable, the messaging components and conditions that will trigger the transmission of the Advices.

4. Processing. The Bank reserves the right to use any funds transfer system and any intermediary bank in the execution of any funds transfer Instruction and may otherwise use any means of executing the funds transfer Instruction which the Bank deems reasonable in the circumstances.

The Bank and other financial institutions may rely upon the identifying number of the beneficiary, the beneficiary’s bank or any intermediary bank included in the funds transfer. Also, the beneficiary’s bank in the funds transfer Instruction may make payment on the basis of the identifying number even though it identifies a person different from the named beneficiary.

5. Same-Day Amendment and Cancellation Service. The Customer may subscribe to a service to enable same-day amendment and cancellation of payment orders. Once the Bank has expressly approved the customer’s use of the service, all cancellation or amendment messages sent to the Bank shall be in the format specified by the Bank and must be received by the Bank no later than such time as may be established by the Bank upon notice to the Customer.

6. Reference Pattern Search. The Customer may subscribe to a service to enable the Customer to instruct the Bank to repair information on incoming and outgoing payment orders, and to perform additional services related to beneficiary deduction services. The Customer shall comply with such formatting requirements specified by the Bank in connection with such services. In connection with beneficiary deduction services, the Customer represents and warrants that it has obtained all necessary authorizations to enable the Bank to deduct transaction charges from the funds transfer amount payable to the beneficiary.

E. U.S. Funds Transfer by Check
Chase’s U.S. Funds Transfer by Check Service allows the Customer to instruct the Bank (as the Customer’s agent) to draw U.S. dollar checks ("Disbursement Checks") payable to the order of payees and in amounts designated by the Customer for distribution.

1. Requests for Disbursement Checks. All requests for Disbursement Checks must be transmitted to the Bank via authenticated SWIFT transmission, or one of the Bank's proprietary access mechanisms. The Customer shall transmit the requests in such format as the Bank specifies from time to time. The Bank may (but shall have no obligation to) process requests that do not conform to these Service Terms and may impose additional fees for such processing.

2. Issuance. Unless the Customer specifies a future issuance date in the Customer’s request, each Disbursement Check will be issued within one banking day of the day on which the Bank receives the issuance request. The Bank will not honor requests to draw Disbursement Checks to any person or entity with whom or with which the Bank is prohibited to do business by law or regulation, or in any case where compliance would, in the Bank's judgment, conflict with applicable law or good banking practice. Disbursement Checks will be signed by the Bank on the Customer’s behalf substantially as follows:

Drawer :

By: JP Morgan Chase Bank, NA. as Agent for the Above - Named Drawer As of the day a Disbursement Check is issued, the Bank will debit the Customer’s designated demand deposit account in the amount of the issuance instruction.

3. Stop Payments Orders. The Customer may issue a stop payment order in respect of any Disbursement Check only by a message sent via authenticated SWIFT to a Bank location to be designated by the Bank and in the format designated by the Bank from time to time. Any stop payment order must include the reference number assigned by the Bank to the Customer’s request for the issuance of such Disbursement Check.

The Customer shall pay a service fee for each stop payment order in the amount then in effect at such time the Customer issues the stop payment request.

F. Lockbox
Lockbox is a remittance processing Service offered to customers to support their accounts receivables business needs. The Customer’s remittance deposits are sent to a Post Office Box and picked up by the Bank and delivered to or via courier for further processing and posting to the Customer’s deposit account.

1. Lockbox Service. The Bank shall provide the Customer remittance processing and deposit services as described in these Service Terms (the “Service” or “Lockbox Service”) to support its accounts receivables business needs. Through this Service, the Customer’s remittances are sent to a designated post office box (“Post Office Box”) and/or delivered to or via courier to the designated Bank location by the Customer. The Bank will maintain the Post Office Box for the Customer's remittances and will have unrestricted and exclusive access to the Post Office Box while providing the Lockbox Service. The Bank may direct the Customer to include specific codes or formats within its assigned address in order to ensure mail is identified correctly. The Customer is responsible for ensuring its customers’ payments to Customer are properly addressed in order to prevent delays in processing. Customer agrees not to send cash to the Bank in connection with the Lockbox Service.

The Bank will collect all mail from the designated Post Office Box and deliver it to the Bank’s lockbox processing site(s). The Bank will open the mail, process the remittance information and process the checks or cheques (collectively, “checks”) eligible for this Service (the “Items”) in accordance with the Customer’s instructions and the Statement of Work and/or Service Guide (as such terms are defined below), if applicable.

Upon completion of the remittance processing work, Bank will image the eligible Items and process them for credit to the Customer account or process for collection the Items received, except: (i) Items which the Customer has instructed the Bank in writing, and the Bank has agreed not to process; (ii) Items which the Bank believes should receive the Customer's special attention; (iii) Items for which the Customer is not the payee, unless (x) the Customer has instructed the Bank to accept all payees or (y) the Customer has provided proper authorization to process for credit or collection of such Items; and (iv) any other matter or merchandise received (collectively, “Remittance Processing”). The Bank will not process such excepted Items or other matters or merchandise, but will forward them to the Customer unprocessed. The Bank assumes no responsibility for the inadvertent processing of Items excepted from processing. The Bank will process credit card payments as point of sale transactions, obtaining authorization as required by applicable card rules; provided, however, the Bank will not place phone calls for authorization of referrals or process credit transactions. The Bank shall not be deemed a merchant processor and shall not be liable for any data entry errors or any chargeback. The Bank assumes no liability for any matter or merchandise received through the Post Office which is not a depositable Item, including cash. Any failure by the Bank to process an Item other than as provided herein does not constitute a failure by the Bank to exercise ordinary care. The Customer irrevocably appoints the Bank (and all persons the Bank designates in connection with the Lockbox Service) to endorse Items with the Customer’s name. The Customer shall be liable to the Bank as a general endorser on all Items processed by the Bank and shall be deemed to make all of the warranties of a transferor of such Item under applicable law. (a) The Customers requiring “Caller Service” or “Business Reply Mail Service” (as such terms are used by the United States Postal Services (“USPS”)) or any similar service at the USPS or Canada Post Corporation (“CPC”) for remittance collection must obtain prior approval from the Bank. Upon approval, the Customer will secure such services directly with the USPS or the CPC, as the case may be, and ensure the Bank is authorized to collect the mail. The Bank shall not be responsible for delays in processing due to the Customer’s failure to pay the USPS or the CPC, as the case may be, for such services or any other action taken or not taken by the USPS or the CPC, as the case may be.
(b) The Bank may, at its sole discretion, provide the Customer additional optional Services including, without limitation, Decision Manager (as defined below), non-deposit remittance Items (i.e., the Bank will process and deposit only Items that meet the Customer directed rules for deposit), early transmission of remittance data, customized grouping and sorting of Items (i.e,, the Customer instructs the Bank to further group and sort the contents of its mail according to criteria specified by the Customer) and imaging and additional data capture requirements of remittance data to create customized transmission files and reporting (collectively, the “Value Add Services”). The Customer shall submit to the Bank a completed implementation requirements document (the “Statement of Work”) instructing the Bank to perform the Value Add Services agreed to by the Customer and the Bank. The Customer may receive user guides and other materials (“Service Guides”) setting forth the terms and conditions upon which such Value Added Services shall be provided to the Customer by the Bank. The Customer acknowledges and agrees that Remittance Processing and, if applicable, the provision of Value Add Services (collectively, “Pre-Deposit Processing”) may result in Items not being deposited until completion of such Pre-Deposit Processing in accordance with Customer’s instructions. Decision manager (“Decision Manager”) is an exception workflow tool to which clients can subscribe. Upon the Bank’s review of the mail and remittance information for Items that do not meet a Customer’s specified requirements for deposit (e.g., check and invoice amounts do not match, incorrect payee name, incorrect amount, etc.) or reported as processing exceptions (“Exception Items”), the Bank will notify the Customer of such Exception Items by posting such Exception Items on a designated website or application. The Customer must communicate its decision for Exception Items within the deadline indicated in the Statement of Work. The Customer agrees that the Bank shall not deposit such Exception Items until the Bank receives an instruction from the Customer. If the Customer fails to provide an instruction within the timeline specified, the Bank will either return the Item unprocessed to the Customer or follow the default instruction specified in the Statement of Work. (c) If the amount of an Item written in words and figures differ, the Item will be processed for amount written in words. If the Item is accompanied by an invoice or statement and the amount on the statement matches the amount written in figures, and the Customer has requested, and the Bank has agreed, to process such Item for the amount written in figures, the Item may be processed for the amount written in figures. In the

event the Bank processes the Item for the amount written in figures, the Customer indemnifies the Bank for any claim which may arise from that action.
(d) The Service is limited to Items drawn on domestic banks so to the extent the Bank notices that any Items drawn on foreign banks have been deposited, such Items shall be forwarded to the Customer as unprocessable; provided, however, upon Customer’s request, but at the sole discretion of the Bank, the Bank may process or collect foreign checks on behalf of Customer subject to terms and conditions in the Account Documentation.

2. Availability Schedule. The Bank will deposit eligible Items to the Customer’s designated deposit account in accordance with the Bank’s Availability Schedule provided to the Customer. The Customer agrees that Items that require special handling may receive delayed availability.

3. Returned Items; Re-presentment. If any Item is rejected, reversed, or returned to the Bank unpaid for any reason or there is a claim involving an Item deposited to the Customer Account, the Bank will charge back that Item, together with any fees or other amounts allowed on such claims or for returned Items, against the Customer Account, regardless of whether such debit causes an overdraft to the Customer Account. If, however, the Bank has been instructed in writing by the Customer to re-present Items which have been dishonored or returned to the Bank unpaid for reasons other than account closed, the Bank may do so automatically and without notice to the Customer, and the Bank reserves the same rights to debit the Customer Account should any such Items remain unpaid after the re-presentment.

4. Original Documents; Image Storage. Unless the Bank has agreed otherwise, the Bank will image all Items and associated remittances and retain original documents on site for no longer than fourteen (14) days. All original documents will be destroyed fourteen (14) days after processing. The Bank will store Imaged Items for a period of seven (7) years from the date of the applicable transaction regardless of any additional imaging service requested by the Customer If the Customer elects, the Bank will provide images of the Items ("Imaged Items") received together with images of related documents ("Imaged Documents"), through a delivery media ("Delivery Media") at the intervals agreed upon between the Bank and the Customer. If the Customer elects storage of Imaged Documents, the Bank will store Imaged Documents for a period of thirty (30) days (Short Term Storage) to ten (10) years (Long Term Storage) from the processing date of the applicable transaction, per the Customer’s selection. If the Customer elects to image and not store Imaged Documents with the Bank, such images will be delivered to the Customer through the Delivery Media.

5. Security for Imaged Items. The Bank has specified Security Procedures for receiving and accessing Imaged Items, Imaged Documents and lockbox transaction data. The Bank is not obligated to send any images or data or allow access through the Delivery Media to any images or data which are not requested or accessed in accordance with the Security Procedures. The Customer acknowledges that once it has accessed images by any Delivery Media, persons having access to the Customer's computers and image archives may have access to the Imaged Items, Imaged Documents and lockbox transaction data.

6. Accuracy; Legibility. The information delivered to the Customer through the Delivery Media will be the same as the information in the data entry file provided to the Customer for the applicable time period. If the data entry file contains errors, those errors will also occur on the Delivery Media.

The Bank will provide images that are as legible as possible given the legibility of the underlying remittance documents and the selected Delivery Media. The Bank has no liability or responsibility for the condition of the original remittance items provided to the Bank, and it reserves the right to review and approve sample remittance items for legibility prior to providing this Service. The Customer is responsible for reviewing images obtained through the Delivery Media and to promptly notify the Bank of any images that are not clear.

7. Disclosures. As between the Customer and the Customer’s clients, if applicable, certain payments collected hereunder may be subject to various cut-off times and payment deadlines (the “Disclosures”). The Customer acknowledges and agrees that the Bank has no duty to inquire as to the content of any such Disclosures, is not bound by them, and makes no representations or warranties, explicitly or implicitly, regarding same. The Customer is responsible for ensuring that the processing and payment cut-off times established by the Bank are in compliance with the Disclosures and the Customer’s responsibilities under applicable laws and regulations.

G. Coin & Currency
Coin and Currency Services, also referred to as Cash Vault Services, provides coin and currency delivery and deposit services to companies that use large quantities of cash. With a nationwide vault network, Customers can place orders for coin and currency, make deposits and track activity by location through electronic reporting options.

CASH ORDERS

1. Cash Orders. The Customer may issue written instructions to the Bank to release United States coin and currency (“Cash”) to an armored courier service (the “Courier”) as designated by the Customer in accordance with the Bank’s guidelines (“Cash Order”). The Customer acknowledges that Cash Orders can be transmitted to the Bank only during such time as set forth in the guidelines. The Bank is authorized to debit the account of the Customer designated in the Cash Order for the amount of a Cash Order (the “Cash”). If the Bank has agreed to such an arrangement, the Customer may also place a Cash Order directly at one of the Bank’s branch locations by issuing a check to debit the Customer’s account at the Bank or as a “cash for cash” exchange. If there are insufficient funds in the designated account, the Bank is authorized to refuse the Cash Order, to fill a partial Cash Order, to debit the designated account even if such debit causes an overdraft, or to debit any other account of the Customer at the Bank.

2. Cash Limits. The Bank and the Customer may agree to the amount of Cash that may be delivered pursuant to a Cash Order (“Cash Limit”).

3. Discrepancies for Cash Orders. All Cash Orders must be validated by the Customer within 24 hours of receipt. If a currency strap, coin bag or wrapped coin discrepancy is identified, the Customer may contact Cash Services Customer Support at 888-872-0517 to request a Cash Order Claim Form. The completed form and proper documentation must be sent to the Bank and post marked within 48 hours of receipt of the Cash Order. Any claims post marked after the 48 hour period may be denied and the Customer will have no right to request or receive an adjustment after such time period.

4. Cancellations and Amendments. A Cash Order may be cancelled by the Customer telephonically, electronically or in writing by a person the Bank reasonably believes to be authorized to act on behalf of the Customer and only if the cancellation is received within a reasonable time before the Cash is delivered to the Courier (“Cancellation”). A Cash Order may only be amended telephonically and the Bank will not be responsible for any change in a Cash Order it has received. Any attempt to amend a Cash Order electronically may result in duplicate Cash being delivered.

5. Notice of Rejection. If the Bank rejects a Cash Order, it will promptly notify the Customer of the reason.

6. Notice of Execution. The Bank will notify the Customer when it has executed a Cash Order. Unless, within three (3) business days after receipt of notification of the execution of a Cash Order, the Customer notifies the Bank in writing that a Cash Order was unauthorized or otherwise unenforceable against the Customer, the Bank shall not be liable for executing the Cash Order as notified, including any loss of interest.

7. Security Procedure. The Customer must place a Cash Order using a touch-tone telephone, or other electronic communications device mutually agreed upon by the Customer and the Bank, based upon codes assigned by the Bank to the Customer which identify the Customer and the location (collectively, “Codes”). The Customer agrees that use of Codes constitutes a security procedure for verifying the authenticity of a Cash Order as being that of the Customer (“Security Procedure. The Customer and Bank will maintain reasonable security and control of the Codes. The Bank is not responsible or liable for detecting any error in the transmission or content of any Cash Order or Cancellation and the Security Procedure is not intended to detect any such error. No agreement or instruction of the Customer restricting acceptance of any Cash Order or Cancellation is binding on the Bank, except as set forth in these Service Terms or in a writing signed by the Customer and the Bank. These Security Procedures do not apply to Cash Order requests made by the Customer at one of our branch locations when the Customer is making a “cash for cash” exchange or issuing a check to debit the Customer’s account at the Bank.

8. Geographical Limitations for Cash Orders. The Customer represents and warrants that all Cash Orders will be used by Customer in its normal course of business at the Customer’s store/office locations in the United States.

CASH DEPOSITS

1. Standard Courier Service.

The Customer may deliver and pick up shipments of cash or checks to or from the Bank by using the services of a courier that has been authorized by the Bank, who will act solely as the Customer’s agent. The courier must comply with the Bank’s guidelines, as amended from time to time, and must maintain all licenses and permits required by law in addition to adequate insurance to cover its liabilities in providing courier services. The Bank may refuse to permit any courier to enter its premises with or without cause, in which case the Bank will use reasonable efforts to promptly notify the Customer. With regard to the Customer's couriers, the Customer is responsible for any individual's actions while at the Bank's facilities including theft, property damage, intentional crimes and any other act or omission even if such actions would be considered outside the scope of their employment and whether the individual is impersonating an employee of the courier if the Bank has followed its customary procedures for identifying the individual.

2. Deposit Presentment and Processing for Standard Courier Service.

With regard to deposits delivered to one of the Bank’s vault areas, the Customer must deliver deposits in sealed tamper-proof plastic security deposit bags that meet the standards described in the Bank’s guidelines and contain only cash, coin and checks. The bags may also contain food stamps if the Customer provides proof satisfactory to the Bank of the Customer’s authority to redeem food stamps. The Bank will open the bags and process the deposits.
(a) Delivery to Vault. If the Bank agrees to accept the Customer deposits at a vault location, the Bank will provide a receipt indicating the number of bags it has received. This receipt is not an acknowledgment of the contents of any bag, nor is any telephonic or other acknowledgment of a deposit of which the Customer notifies the Bank by telephone or by electronic means. (b) Delivery to Branch for Delayed Processing. If the Bank agrees to accept your deposits at a branch location, the Bank will not verify the amount of the deposits at the time of receipt, but will provide the Customer with a receipt showing the amount indicated the Customer’s deposit slip. This receipt is not an acknowledgment of the contents of any bag.

3. Courier Service through the use of a Smart Safe or Recycler Machine. The Customer may use the services of a courier that has been authorized by the Bank, who will act solely as the Customer’s agent. The courier must comply with the Bank’s guidelines, as amended from time to time, and must maintain all licenses and permits required by law in addition to adequate insurance to cover its liabilities in providing courier services. The Bank may refuse to permit any courier to enter its premises with or without cause, in which case the Bank will use reasonable efforts to promptly notify the Customer. The Customer will receive provisional credit only for Cash placed in Deposit Cassette (as defined below) component

of the machine. The Customer’s courier is authorized to transmit the Cash information only with regard to the Deposit Cassette component of the machine to the Bank on the Customer’s behalf and the Bank, upon receipt of such data transmission, will provide provisional credit to the Customer’s designated account. The courier will deliver the Cash to the Bank as directed by the Bank at the Customer’s expense. The Customer authorizes the Bank to instruct the courier to pick up any Cash for which the Bank has given provisional credit at any time at the Customer’s expense. For purpose of these Service Terms, “Deposit Cassette” is the component of the machine whereby the Customer places Cash into such component and only the courier is able to access such Cash once it is placed in the Deposit Cassette.

4. Deposit Presentment and Processing Courier Service through the use of a Smart Safe or Recycler Machine. The Customer agrees that once the Cash is in the Deposit Cassette component of the machine, the Customer no longer has any ownership, control or rights with regard to the physical Cash and that the Bank is authorized to rely upon the transmitted information from the Customer’s courier with regard to deposits or adjustments to the Customer’s deposit account with the Bank. Once the Customer’s courier has completed the verification of the Cash from the Deposit Cassette component of the machine and has transmitted the deposit/adjustment information to the Bank, the Cash is then placed into the Bank’s inventory at the courier’s location. In the event of a dispute related to the amount credited to the Customer’s deposit account, the Customer will initiate its claim and request for an investigation with its courier.

5. Revocation of Provisional Credit. The Customer agrees that the courier will pick up the Cash from the Smart Safe, deliver it to the vault and complete the verification process at least every seven (7) calendar days (or as otherwise agreed to by the Bank). In the event the courier does not retrieve the Cash from the Smart Safe for whatever reason, within such time frame, or otherwise deliver the Cash to a vault location, Customer authorizes the Bank to revoke the provisional credit given to Customer’s designated account at the Bank’s discretion and without prior notice, even if doing so creates or increases an overdraft.

6. Discrepancies. All deposits are subject to verification. If there are differences between the amount credited by the Bank and the amount shown on the deposit slip prepared by the Customer, the receipt provided to the Customer or its agent upon initial presentment or the transmission received from the courier on the Customer’s behalf, the currency will be re-counted for discrepancies over the minimum amount specified in the Cash Vault Services Product Guide, the “Threshold” amount, the Customer’s representative designated in the service implementation questionnaire will be notified of the adjustment, and an adjustment fee will be charged. If the discrepancy is in the Threshold amount or less, the Bank will not adjust the Customer’s account, the Bank will retain the discrepancy amount, and no adjustment fee will be charged. The Bank’s determination and records as to its receipt of any bag and as to the contents of any bag is conclusive and binding on the Customer.

7. Geographical Limitations for Cash Deposits. Cash Deposits must be delivered to the Bank by Customer’s courier and from Customer’s physical store/office locations in the United States. Cross-border cash deposits (i.e., cash brought into the United States from outside the United States) are strictly prohibited

8. Relationship upon Delivery of Bags. Until the Bank counts or re-counts the contents of the bags and enters a final credit to the Customer’s account. The Bank is not responsible any claimed contents of the bags. The Customer should not include anything in a bag other than Cash and its deposit slip, and the Bank shall have no responsibility or liability if there is any other property included or claimed to have been included in a bag.

9. Deliveries to an Unattended Facility. If the Bank agrees to allow the Customer to use one of our unattended facilities (including but not limited to a night depository or commercial ATM) the Bank may provide the Customer with an access device (such as a key or card that may require a Personal Identification Number (“PIN”). The Customer must return all access devices to the Bank upon the Bank’s request. The Bank will process any deposits delivered to an unattended facility as provided for in the Bank’s guidelines. If the Customer receives a receipt from an unattended facility, the receipt is not an acknowledgment of the contents of any bag or of the receipt of any bags. While the Customer or the Customer’s designated courier agent is physically present at one of the Bank’s unattended facilities, the Customer is a licensee only and the Bank has no responsibility for the safety of the Customer or its Courier while at such facility.

10. Liability at Unattended Facility. The Customer assumes all risks of using any unattended facilities, including risks of theft, robbery and personal injury; the Bank is not responsible if a facility fails to operate properly in any way, including failing to open, close, lock or unlock. It is the Customer’s responsibility to verify that its bags have dropped down completely into the facility and the Customer agrees that it will not leave any bags in any facility that does not appear to be operating properly. The Bank will not be liable to the Customer if any unattended facility, tele-entry or online system is closed or otherwise unavailable for use at any time.

H. Positive Pay, Reverse Positive Pay and Payee Verification Bank will provide Customer, in accordance with the provisions set forth in these Positive Pay, Reverse Positive Pay and Payee Verification Service Terms (these “Service Terms”), with one or more of the services listed below (each a "Service") that help prevent check fraud on deposit accounts by identifying discrepancies between checks (“Items”) presented to the Bank for payment from the Customer’s demand deposit account associated with the Service (the “Account”) and those Items that are issued by Customer. The provisions of the Bank’s account documentation, including terms and conditions governing the operation of business accounts and services as well as other service guides or material (the “Account Documentation”) are incorporated into these Service Terms by reference. By signing the applicable Account Documentation or by using or continuing to use any of these Services, the Customer agrees to these Service Terms.

1. Services.

With Positive Pay, the Customer sends check issuance information to the Bank and the Bank compares such information to Items being presented for payment. With Reverse Positive Pay, the Bank sends the Customer information on Items that have been presented for payment. and the

Customer does its own comparison. Payee Verification is an enhanced feature for Positive Pay whereby the Customer includes payee name information, and the Bank compares such information against the payee names on Items that have been presented for payment. As a condition precedent for receiving Payee Verification, the Customer must be receiving Positive Pay in connection with the same Account.

2. Issuance Information.

The following information is defined as “Issuance Information” for each Item: (i) Account number on which the Item is drawn; (ii) Item serial number; (iii) dollar amount; (iv) issue date (not as part of Reverse Positive Pay); and (v) for Payee Verification only, the payee name. For Positive Pay and Payee Verification, the Customer must provide the Bank the Issuance Information by the banking day on which the Customer issues Items by means of a mutually-agreed-upon transmission method. With Positive Pay, the Bank will compare items (i), (ii) and (iii) (and, in the case of Payee Verification, item (v)) of the Issuance Information with the applicable information from the Items presented to the Bank for payment against the Account. If Customer has properly set up an issue date limitation, then Bank will compare the date the Item has been paid with the issue date in the Issuance Information. For Reverse Positive Pay, the Bank will provide the Customer access to the Issuance Information, and the Customer will compare such information with the Items Customer has issued.

3. Discrepancies.

For Positive Pay and Payee Verification, if an Item is presented to the Bank for which it has not received timely Issuance Information or that contains information different from the Issuance Information for that Item, the Bank will notify the Customer by means of a mutually agreed upon method, by the designated time of the Banking Day following the Banking Day the Item is presented to the Bank for payment. If Customer fails to provide the Issuance Information (including, in the case of Payee Verification, the payee name) in the file format required by the Bank, the Bank will not be liable for failing to detect any discrepancy between the Item and the Issuance Information or for processing and payment of such Item. The Customer shall advise the Bank by means of a mutually agreed upon method by the designated time on that same Banking Day whether any such Item is authorized for payment (“Presentment Decision”). In the event that the Customer fails to timely inform the Bank about any Item for which a Presentment Decision is requested, the Bank is authorized to return such Item unless otherwise agreed by the Customer and the Bank. For Reverse Positive Pay, the Bank will provide access to the Issuance Information to the Customer of Items presented for payment; the Customer shall advise the Bank by means of a mutually agreed upon method by the designated time on that same Banking Day whether any such Item is not authorized for payment, and in the event that the Customer fails to timely inform the Bank as required, the Bank is authorized to pay such Item(s) unless otherwise agreed by the Customer and the Bank. The Bank is entitled to rely on any Instructions by the Customer which it receives and which it reasonably believes to be genuine. If a Customer attempts to change an Instruction previously given by sending an email or other message to the Bank, the Bank may, but has no obligation to, act upon such change request. “Banking Day” means any day other than a Saturday, Sunday or other day on which Bank is or is authorized or required by law to be open for business.

4. Payee Verification Additional Terms.

For Payee Verification, Customer acknowledges that Items which have been converted to ACH transactions prior to being presented for payment will not be eligible for this service and the payee name information will not be compared to the Issuance Information for Items that have been converted to ACH transactions. The Bank reserves the right to set a threshold amount for Items (as may be revised by the Bank from time to time) to be reviewed under the Payee Verification service (the “Threshold Amount”). The Items below the Threshold Amount will be handled according to the standard Account Documentation governing the Customer’s Account; however, Customer will not be liable for such Items if the discrepancy would have otherwise been detected under this Service. With regard to Payee Verification, the Bank will compare the payee name provided in the Issuance Information to the payee lines contained in the name/address block identified on the Item (presented as provided for in the Bank’s set-up requirements) and will otherwise be limited to those parameters specifically agreed to by the Customer and Bank. Customer understands that Bank will not be liable to Customer (i) for any discrepancy in the payee name if the discrepancy was not detected due to the check stock or the print format of the Item not passing the Bank’s testing (including, without limitation, with respect to the payee name placement) or (ii) for any discrepancy in the payee name if the payee name was handwritten on the Item.

5. Voided Items and Stop Payments.

For any Item listed on Customer’s Issuance Information which Customer decides it no longer wishes to pay: (a) if the Item is physically in the Customer’s possession, Customer may place a void notice in the Issuance Information for such Item, or (b) if the Item is no longer physically in its possession, the Customer must place a stop payment request with the Bank in accordance with the Bank’s requirements and the Account Documentation. If the Customer does not place a stop payment request for an Item not physically in Customer’s possession as set forth in (b) above and instead places a void notice, Customer agrees (i) that Bank may debit the Customer’s account for the payment of such Item and (ii) that Customer will be liable to Bank for any damages Bank may suffer as a result of the Customer’s failure to place a stop payment on such Item.

6. Item Payment.

The Bank is not obligated to maintain signature cards for the Account and whether or not the Bank does maintain such signature cards, in no event shall the Bank be obligated to inspect any Item for the presence or authenticity of any signature or to determine whether any signature is authorized.

The Customer acknowledges that the Bank’s adherence to these procedures in these terms, in lieu of signature examination, will constitute the exercise of good faith and ordinary care by the Bank in handling Items presented for payment against the Account.

7. Over the Counter Presentment and Encashment.

The Bank may, without liability to the Customer, refuse to pay any Item presented for encashment at any of the Bank’s branch locations. If an Item is presented for encashment or deposit at one of the Bank’s branch locations at the teller line and the account is under the Positive Pay or Payee Verification Service, the Customer authorizes the Bank to pay such Item at the teller line based upon the Issuance Information. If an Item is presented for encashment at one of the Bank’s branch locations at the teller line and the account is under the Reverse Positive Pay Service, (i) the Customer authorizes the Bank to pay such Item pursuant to the Bank’s policies and procedures for encashment, (ii) Customer assumes the risk of any loss that would have been prevented through the use of Positive Pay or Payee Verification services; and (iii) Customer agrees to unconditionally release, indemnify and hold harmless the Bank against any and all liability loss or claim relating to an Item being cashed or returned over-thecounter. The Bank may charge a person who cashes an Item drawn on the Customer’s Account a fee at the time of encashment.

8. Non-Standard Items.

The Service(s) shall not apply to any Item that does not meet the Bank’s set-up requirements for Items to be eligible for the Services (including, without limitation, any Item printed without magnetic ink character recognition (MICR), any Item which has a MICR line in a location unacceptable to Bank, or any Item which may be printed on various printing devices that allow size or font to vary) (“Non-Standard Items”). Customer acknowledges that (i) the use of Non-Standard Items may increase the likelihood of fraud, such Non-Standard Items may not be accepted for deposit at financial institutions, and the use of Non-Standard Items may lead to processing delays in the failure of such Non-Standard Items to systemically be matched to the Issuance Information at the time they are presented to the Bank for payment, and (ii) the use of Non-Standard Items may result in the Bank’s fraud protection services not being able to operate as designed such that Non-Standard Items may not be able to be returned within the legal timeframe. Customer acknowledges that Non-Standard Items may be treated as non-cash items for purposes of Regulation CC.

Customer agrees that the Bank may, without liability to Customer, refuse to deposit any Non-Standard Item, including, without limitation, refusing to accept the deposit at any of the Bank’s branch locations. Customer agrees that Customer’s decision to use Non-Standard Items which result in the inability to meet the formatting standards required by the Bank’s Service(s) to operate as designed (systemic matching of the Issuance Information to the Item at the time it is presented for payment) constitutes negligence contributing to the making of an unauthorized signature and/or a material alteration of the Item (collectively “Unauthorized Item”) in situations where a Non-Standard Item is paid against the Customer’s account that the Customer claims is an Unauthorized Item, (a) Customer assumes the risk of loss to the extent that such Service(s) would have detected the Unauthorized Item if it had used check stock that met the Bank’s formatting requirements, (b) Customer shall not claim against the Bank, and the Bank shall have no obligation or liability to Customer to recredit any such account for any such loss, and (c) the Bank will have exercised ordinary care if it pays an Item drawn on any Customer account based upon industry standards without any further inspection of any such Item, even if it is an Unauthorized Item.

9. Incomplete Activations and Service Suspensions.

Customer agrees that the Bank shall have no obligation or liability to Customer in accordance with these Service Terms (i) in the event the Services are suspended by Bank in accordance with the Account Documentation; or (ii) prior to Customer taking all required steps to fully implement the Services (including, without limitation, Customer’s final activation of the Service [i.e., actioning “pending positive pay”] on the applicable Bank electronic channel). Customer also understands that it may be billed for the Services notwithstanding that it has not taken all required steps to fully implement the Services.

I. Electronic Channels

1. Service and Service Terms.

The Bank will provide a service (the “Service”) for electronic access to the Customer’s account information, reports and data (collectively, “Data”) and for the electronic transmission to the Bank of messages, service requests, and payment and non-payment instructions (each an “Instruction”) and from the Bank of messages, notifications and alerts, via the J.P. Morgan AccessTM online and mobile platforms, J.P. Morgan Host-toHost/managed file transfer and J.P. Morgan Treasury Services API channels. The Bank reserves the right to modify the applications and products available via the Service. The Service is governed by these terms (the “Service Terms”), which incorporate the Bank’s terms governing the business accounts and services, including service terms that govern the Bank’s processing of Instructions transmitted via the Service (collectively, the “Account Documentation”), as the same may be amended from time to time. If and to the extent that there is a conflict between the Account Documentation and these Service Terms, the provisions of these Service Terms shall prevail. Capitalized terms used in these Service Terms, and not otherwise defined, have the meaning set forth in the Global Account Terms or other account terms applicable to the Customer. JPMorgan Chase Bank, N.A. is organized under the laws of U.S.A. with limited liability.

2. Security Procedures and Other Controls

2.1. General. The security procedures for each channel are set forth below, as may be modified on notice to the Customer through any medium (each, a “Security Procedure”). Any Instruction, the authenticity of which has been verified through a Security Procedure, shall be effective as that of the Customer, whether or not authorized, and notwithstanding that the Instruction may result in an overdraft of an Account. Controls unilaterally implemented by the Bank shall not be deemed to be Security Procedures for purposes hereof unless explicitly identified as such in writing. The Customer is responsible for implementing any procedures and requirements set forth in the applicable documentation provided to it by the Bank, as well as any subsequent modification to the procedures and requirements that are designed to strengthen the Security Procedures. Each Authorized Users (as defined in Section 2.6 below) shall be deemed to be an Authorized Person (as defined in the Account Documentation) with respect to the Accounts available to such Authorized User via Access. The Customer agrees that each Security Procedure described herein is commercially reasonable in light of the Customer’s size, type and frequency of payment orders normally issued (and/or anticipated to be issued) by the Customer to the Bank.

2.2. Security Procedures and Other Controls for Access Online and Mobile Channels.

2.2.1. Access Online. The Security Procedure for verifying payment Instructions given in the Customer’s name via the Access online channel is validation of a user ID and confidential password of an Authorized User (as defined in Section 2.6 below), a token code generated by a Bank issued or approved security device (which, for the avoidance of doubt, includes software and hardware used to generate “soft tokens” on a mobile device) (“Security Device”) assigned to that Authorized User and Bank transaction review as specified in Section 2.5.

2.2.2. Access Mobile. The Security Procedure for verifying payment Instructions given in the Customer’s name via the Access mobile channel is either (i) validation of the registration with the Bank of the mobile device, a biometric identifier, and the private swipe key of an Authorized User (as defined in Section 2.6 below) and transaction review as specified in Section 2.5 or (ii) validation of a user ID and confidential password of an Authorized User (as defined in Section 2.6 below), a token code generated by Security Device assigned to that Authorized User and transaction review as specified in Section 2.5.

2.2.3. Controls Offered to Customer. For Access, the Customer may choose to apply certain controls offered by the Bank to the Customer from time to time designed to reduce the Customer’s risk of unauthorized transactions. The Customer is responsible for choosing controls that are appropriate for the Customer taking into account, among other things, the nature and scale of the Customer’s business, including the size, type and frequency of payment orders normally issued to the Bank, and the nature of its technical environment, internal accounting controls and information security policies and procedures (collectively, “Customer Internal Controls”). The Security Procedure that is established by agreement of the Customer and the Bank herein is established in view of the Customer Internal Controls applied by the Customer. For the avoidance of doubt, none of the controls described in this Section are part of the Security Procedures for the channels.

2.3. Security Procedures and Certificate Procedures for Host-to-Host/Managed File Transfer Channel. The Security Procedure for verifying payment Instructions given in the Customer’s name via the Host-to-Host/managed file transfer channel is authentication of a digital signature certificate, which authenticates transmitted files on the basis of the corresponding security key (the “Signature Certificate”) and transaction review as provided in Section 2.5. The Customer and the Bank will use the following procedures for the use of a transport certificate, which establishes a secure session between the Bank and the Customer on the basis of a corresponding security key (the “Transport Certificate”) and the Signature Certificate. Each of the Signature Certificate and the Transport Certificate are referred to herein as a “Certificate” and the corresponding security key as a “Security Key”.

2.3.1. Certificate Procedures and Requirements. The Customer shall comply with the Bank's procedures and requirements for Certificates and Security Keys notified to the Customer, including but not limited to Certificate validity period, key strength and cryptographic specifications, as amended from time to time. Any request to the Bank to add, update or delete a Security Key shall include the applicable Certificate, a text file or other physical representation of the public Security Key of such Certificate and any other information in the manner and form designated by the Bank. The Bank shall have the right to rely on any request that the Bank believes in good faith to have been sent by the designated security administrator ("Security Administrator"), notwithstanding that such Security Administrator may be a third party acting on behalf of the Customer.

2.3.2. Certificate Expiration. Notwithstanding any courtesy notifications the Bank may send to the Customer regarding the Customer's impending Certificate expiration, the Customer acknowledges that it is the Customer's sole responsibility to update the Certificate prior to its expiration date. The Bank shall have no liability for any loss or damage (including, for the avoidance of doubt, any indirect, special, punitive or consequential damages or losses) arising from the Customer's failure to timely update its Certificate. To allow for proper execution of administrative procedures, and to prevent any lapse in service or emergency procedures, the Customer must request a Certificate change at least 30 days prior to actual Certificate expiration.

2.4. Security Procedure and Certificate/Token Procedures for API Channel. The Security Procedure for verifying payment Instructions given in the Customer’s name via the API channel is authentication of a Signature Certificate and transaction review as provided in Section 2.5.

2.4.1. Secure Session. The Customer and the Bank will establish a secure session between the Customer and the Bank by validation of either (i) a Transport Certificate or (ii) a Bank-generated token (“API Token”).

2.4.2. Certificate Procedures and Requirements. The Customer and the Bank will use the procedures set forth in Sections 2.3.1 and 2.3.2 for the use of Certificates for the API channel.

2.4.3. API Token Procedures and Requirements. The Customer shall comply with the Bank's procedures and requirements for API Tokens, as amended from time to time, including but not limited to the generation and safekeeping of any credentials used for the validation of the API Token, notified to the Customer. The Bank shall have the right to revoke an API Token at any time, including in reliance on a request or communication related to an API Token that the Bank believes in good faith to have been sent by the Security Administrator, notwithstanding that such Security Administrator may be a third party acting on behalf of Customer. Any request to the Bank to update an API Token shall be made solely in the manner and form designated by the Bank.

2.5. Transaction Review. In addition to the Security Procedures described above, the applicable Security Procedure for each channel also includes transaction review based on various risk characteristics. The transaction review shall be conducted in accordance with commercially reasonable protocols selected by the Bank. Additional authentication from the Customer, such as call-back verification, may be required to complete certain transactions identified by the Bank through transaction review.

2.6. Confidentiality/Security Breach. The Customer will be responsible for safeguarding and ensuring that the Security Procedures, Security Devices, API Tokens and any credentials used for the validation of the API Token are known to and used (i) in the case of Access, only by individuals designated as users by the Security Administrators (“Authorized Users”), or, (ii) in the case of the Host-to-Host/managed file transfer and API channels, only by the Security Administrators, as applicable. The Customer shall notify the Bank immediately in the event of any loss, theft or unauthorized use of a Security Procedure, a Security Device, API Token, any credentials used for the validation of the

API Token or any other breach of security. The Bank may dishonor or disable any Security Device, API Token, any credentials used for the validation of the API Token or any aspect of the Security Procedures at any time without prior notice and will inform the Customer of the same. In addition, each Customer must implement its own physical and logical security, as well as management controls, that appropriately protect the hardware, software, and access controls used in the transaction process from unauthorized access and use. For the avoidance of doubt, each Security Administrators and each Authorized Users is prohibited from sharing Security Devices, passwords or other credentials with any other person, including a person who is a Security Administrator and/or Authorized User. Any such sharing shall be a breach of these Service Terms, and the Customer shall be solely liable for any losses resulting from such unauthorized sharing.

2.7. Security Administrator Designation. The Customer shall designate Security Administrators who shall have equal authority as specified in Section 2.8 below. The Bank is entitled to rely on any such designation of a Security Administrator. The Customer agrees to notify the Bank of any change in Security Administrators in the manner and form designated by the Bank. Any such change shall be effective at such time as the Bank has received such notice and has had a reasonable opportunity to act upon it.

2.8. Security Administrator Responsibilities. Each Security Administrator shall be authorized by the Customer to and be responsible for (i) designating individuals as Authorized Users with respect to Access; (ii) identifying the functions of the Service that each Authorized User may access; (iii) requesting, creating, controlling, disseminating, and/or canceling user entitlements with respect to Access; (iv) managing the Customer’s Certificates and corresponding Security Keys or API Tokens and any credentials used for the validation of the API Token with respect to the Host-to-Host/managed file transfer and API channels, as applicable; (v) receiving and distributing materials, notices, documents and correspondence relating to the Security Procedures, as applicable; and (vi) advising each Authorized User of his/her obligations hereunder or under any of the applicable Account Documentation. The Security Administrators shall provide to the Bank, upon the Bank’s request, a list of Authorized Users for Access. In the absence of a valid designation of a Security Administrator at any time or in the event that, after reasonable efforts, the Bank is unable to contact a Security Administrator, the Bank may deliver Security Devices, API Tokens (and any attendant credentials) and materials and deliver/receive Security Keys to/from any person authorized to act on behalf of the Customer with respect to the Accounts.

2.9. Processing. The Customer acknowledges that the application of the Security Procedures and any controls unilaterally implemented by the Bank may cause delays in processing Instructions or result in the Bank declining to execute an Instruction.

3. Open Network Access; Equipment
THE SERVICE IS PROVIDED “AS IS” AND "AS AVAILABLE". TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, ALL

WARRANTIES AND REPRESENTATIONS, EXPRESS, STATUTORY OR IMPLIED, WITH REGARD TO THE SERVICE ARE HEREBY

DISCLAIMED, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR

PURPOSE AND COURSE OF DEALING OR USAGE OF TRADE OR WARRANTIES OF NON-INFRINGEMENT OR WARRANTIES AS TO ANY RESULTS TO BE OBTAINED FROM THE USE OF THE SERVICE. TO THE EXTENT THAT ANY IMPLIED WARRANTIES CANNOT BE DISCLAIMED UNDER APPLICABLE LAW, ANY SUCH IMPLIED WARRANTIES ARE LIMITED IN DURATION TO 30 DAYS FROM THE INITIAL DELIVERY DATE OF THE RELEVANT SERVICE. THE BANK AND ITS THIRD PARTY DATA AND SERVICE PROVIDERS DO NOT WARRANT

OR GUARANTEE THE SECURITY, SEQUENCE, TIMELINESS, ACCURACY, PERFORMANCE OR COMPLETENESS OF THE DATA OR THAT ANY PART OF THE SERVICE WILL BE ERROR-FREE, WITHOUT DELAY OR UNINTERRUPTED.

The Customer is responsible for, at its sole expense, obtaining, installing, maintaining and operating all browsers, software, hardware, telecommunications equipment or other equipment (collectively, “System”) necessary for the Customer to access and use the Service in accordance with the Bank’s recommended system configuration. The Bank makes no endorsement of any System or third party site, notwithstanding that the Bank may recommend certain Systems or provide a link to a third party site where the Customer may download software.

The Customer shall at all times maintain current and effective anti-virus, anti-spyware or other security software and shall take all reasonable measures to maintain the security of its System. The Customer acknowledges that there are certain security, corruption, transmission error, and access availability risks associated with using open networks such as the Internet. The Customer further acknowledges that it has made an independent assessment of the adequacy of the Internet, the System and the Security Procedures in connection with the use of the Service. The Customer assumes all risks and liabilities associated with the operation, performance and security of its System and the use of the Internet or other open networks, failure or use of Customer’s or third party equipment, hardware, browsers, operating systems and/or other software or programs, and services or persons outside of the Bank’s control, and the Bank disclaims all such risks. The Customer shall not use any equipment, hardware, software or program that harms the Bank. The Customer agrees to indemnify and hold the Bank, and its agents, employees, officers and directors, harmless from and against any and all claims, damages, demands, judgments, liabilities, losses, costs and expenses arising, directly or indirectly, from the Customer’s use of Customer’s or third-party software or program. The Bank may in its discretion provide training or information on best practices to the Customer from time to time but in so doing it will not be considered a consultant or advisor with respect to cybersecurity.

4. Instructions; Data

4.1. The Customer shall be solely responsible for the genuineness and accuracy, both as to content and form, of all Instructions given to the Bank’s in the Customer’s name and verified through the applicable Security Procedure.

4.2. The Customer acknowledges that Data may not have been reviewed by the Bank, may be inaccurate, and may be periodically updated and adjusted. The Bank is not obligated to assure the accuracy of Data and will not be liable for any loss or damage arising out of the inaccuracy of Data. Further, the Bank shall have no liability for the receipt or viewing by any party of Data sent to the destinations designated by the Customer, including but not limited to email addresses, fax and telephone number(s).

5. Customer Warranties
The Customer represents, warrants and covenants to the Bank that: (i) prior to submitting any document or Instruction that designates Authorized Users, the Customer shall obtain from each individual referred to in such document or Instruction all necessary consents to enable the Bank to process the data set out therein for the purposes of providing the Service; (ii) the Customer has accurately designated in writing or electronically the geographic location of its Authorized Users and shall provide all updates to such information; (iii) the Customer shall not access the Service from any jurisdiction which the Bank informs the Customer or where the Customer has knowledge that the Service is not authorized; and (iv) the Security Procedures offered to the Customer conform to the Customer’s wishes and needs and the Customer has not requested Security Procedures other than those expressly agreed by the Customer and the Bank. The Customer hereby represents, warrants and covenants to the Bank that these Service Terms constitute its legal and binding obligations enforceable in accordance with its terms.

6. Miscellaneous

6.1. The additional jurisdiction specific provisions set forth in the attached Exhibit are applicable to the Customer based on the domicile of the Customer. Where any local laws or regulations of any jurisdiction apply as a result of the Customer’s Authorized Users accessing the Service from such jurisdiction or as a result of the location of such accounts in such jurisdiction, the jurisdictional specific provisions of that jurisdiction set forth in the attached Exhibit shall apply to the use of the Service by such Authorized Users.

6.2. These Service Terms shall be governed by and construed in accordance with the laws of the State of New York, USA (without reference to the conflict of laws rules thereof).

6.3. All disputes relating to or in connection with these Service Terms solely arising outside the United States shall be finally settled under the Rules of Arbitration of the International Chamber of Commerce by one or more arbitrators appointed in accordance with the said Rules. The place of arbitration shall be (i) Singapore where the dispute arises solely in Asia and (ii) London where the dispute arises elsewhere (other than the United States) and the arbitration shall be conducted in English, except that (a) disputes solely between a Customer domiciled in the People’s Republic of China and JPMorgan Chase Bank (China) Company Limited shall be submitted to the China International Economic and Trade Arbitration Commission (“CIETAC”) for arbitration in accordance with its rules in effect at the time an application is made, with the place of arbitration being Beijing and the arbitration being conducted in English; and (b) disputes involving a Customer domiciled in Taiwan shall be irrevocably submitted to the exclusive jurisdiction of the courts of the State of New York and the United States District Court located in the borough of Manhattan in New York City. With respect to any dispute, suit, action or proceedings arising in the United States relating to these Service Terms, the Customer irrevocably submits to the exclusive jurisdiction of the courts of the State of New York and the United States District Court located in the borough of Manhattan in New York City.

7. Mobile

7.1. Accepting use of the Bank’s SMS text notification service and/or Access Mobile channel constitutes the Customer’s authorization for the Bank to send Data, message notifications and alerts through any communication service providers, including both Internet and telecommunications providers, which shall each be deemed to be acting as the Customer’s agent. Such providers may not encrypt communications.

7.2. Authorized Users may be required to accept an application agreement or license in order to download Access Mobile. The Customer acknowledges that the Account Documentation shall in all cases govern the provision of these services.

7.3. The Customer acknowledges that the Bank shall not be liable for any delays in any Data, message notification or alert delivered via any mobile device.

EXHIBIT A - JURISDICTION SPECIFIC PROVISIONS
A. Australia & New Zealand
To the extent that any supply made by the Bank under these Service Terms is a taxable supply for the purposes of the Australian Goods and Services Tax, or that goods and services tax under the New Zealand Goods and Services Tax Act 1985 is payable in respect of any supply under this License Agreement, (“GST”), the fees payable in respect of that taxable supply (“original amount”) will be increased by the amount of GST payable in respect of that taxable supply. Customer must pay the increased amount at the same time and in the same manner as the original amount.

B. Indonesia
The Bank and the Customer agree that, for the effectiveness of any termination of these Service Terms or the Services provided hereunder, they hereby waive any provisions, procedures and operation of any applicable law to the extent a court order is required for the termination of these Service Terms and the Account Documentation as applicable to the services provided under these Service Terms.

Section 7.3 shall be replaced by “Except for losses directly resulting from errors or delay caused by the Bank’s gross negligence or willful misconduct, the Customer acknowledges that the Bank shall not be liable for any delays in any Data, message notification or alert delivered via any mobile device.”
C. Malaysia/Labuan
In relation to accounts held in Malaysia (excluding Labuan) and/or where the Service is provided in Malaysia (excluding Labuan) references in the Service Terms to “Bank,” shall mean J.P. Morgan Chase Bank Berhad. In relation to accounts held in Labuan and/or where the Service is provided in Labuan, references in the Service Terms to “Bank,” shall mean J.P. Morgan Chase Bank, N.A., Labuan Branch. The Service provided by J.P.

Morgan Chase Bank Berhad shall be accessed through http://www.jpmorganaccess.com.my and the Customer undertakes not to access or utilize or attempt to access or utilize the Service through any other JPMorgan website.

D. Republic of China (Taiwan)
Section 7.3 shall be replaced by “Except for losses directly resulting from errors or delay caused by the Bank’s gross negligence or willful misconduct, the Customer acknowledges that the Bank shall not be liable for any delays in any Data, message notification or alert delivered via any mobile device.”
The Customer acknowledges that it will take steps to ensure it enters into the correct website before attempting to access the Service.

E. European Union.

The Customer acknowledges that it is not a "consumer" for the purpose of the European Union’s Electronic Commerce Directive (“ECD”) (i.e., that it is not an individual) and agrees that the Bank shall not be required to make any disclosures or do any other thing which a non-consumer may agree not to require under the UK rules and legislation implementing the ECD. For further information on the Bank, please see "Notice regarding EU e-commerce information" in the Terms & Conditions on http://www.jpmorgan.com. (i) The Bank will collect information about the Customer and the Customer’s employees and agents (such as, without limitation, authorized signatory details) which may constitute personal data for the purposes of the data protection law. Such personal data may be collected by or on behalf of the Bank in a number of ways (the “Collection Methods“), including via documentation relating to the provision to or use by the Customer of electronic banking services or via the Customer’s use of such electronic banking services and via other correspondence or communications between the Customer and the Bank.
(ii) Details of the Bank’s processing activities of personal data can be found in its EMEA Privacy Policy, which is available on the Bank’s website at www.jpmorgan.com/privacy/EMEA. The Bank’s EMEA Privacy Policy may be updated or revised from time to time without prior notice.

The EMEA Privacy Policy may be used to assist the Customer with providing a fair processing notice to the Customer’s underlying data subjects.
(iii) The Customer agrees that it has an appropriate legal basis to provide personal data to the Bank and that the Customer will provide any requisite notice to individuals and ensure that there is a proper legal basis for the Bank to process the personal data as described in and for the purposes detailed in the Bank’s EMEA Privacy Policy. Both the Customer and the Bank will comply with its respective obligations under applicable data protection and privacy laws.
©2022 JPMorgan Chase & Co. All Rights Reserved. JPMorgan Chase Bank, N.A. Member FDIC.

Eligibility for particular products and services is subject to final determination by J.P. Morgan and/or its affiliates.

DEPOSIT ACCOUNT AGREEMENT
JPMorgan Chase Bank, N.A. Member FDIC
© 2023 JPMorgan Chase & Co.

Effective 3/19/2023

DEPOSIT ACCOUNT AGREEMENT

AND PRIVACY NOTICE
Thank you for choosing Chase
This is your Deposit Account Agreement (may also be referred to as Account Rules and Regulations), or contract, with us.

We recommend keeping this agreement but we regularly update it, so you can always get the current agreement at chase.com, a branch or by request when you call us.

The Deposit Account Agreement also includes these separate documents that pertain to our personal and business accounts:
•Rates for interest-bearing accounts
•Personal accounts:
-Additional Banking Services and Fees (including our Fee Schedule) •Business accounts:
-Additional Banking Services and Fees (including our Fee Schedule) •Any additional disclosures, such as amendments or agreements, that we provide to you either when you open your account or when we change the terms of your account.

How to Contact Us
We’re here for you. See below for how to reach us.

Personal Accounts:

Main phone number: 1-800-935-9935
Spanish: 1-877-312-4273
International calls: 1-713-262-1679
Website: chase.com
Business Accounts:

Main phone number: 1-800-242-7338
Spanish: 1-888-622-4273
International calls: 1-713-262-1679
Website: chase.com/business
Chase Private Client:

Main phone number: 1-888-994-5626
International calls: 1-405-235-4847
Website: chase.com/privateclient
Chase Mobile or Online Banking: 1-877-242-7372
Deaf and Hard of Hearing: We accept operator
relay calls
Electronic Funds Transfers (EFTs):

In case of errors or questions about your EFTs, or if you believe your debit card has been lost or stolen, call us at 1-866-564-2262 or write:

Chase
PO Box 659809
Internal Mail TX3-7849
San Antonio, TX 78265-9109
To Dispute Information Reported
to a Consumer Reporting Agency:

JPMorgan Chase Bank, N.A.

PO Box 182108
Internal Mail OHW-1000
Columbus, OH 43218
All Other Written Correspondence:

JPMorgan Chase Bank, N.A.

PO Box 44945
Indianapolis, IN 46204-4945

DEPOSIT ACCOUNT AGREEMENT
JPMorgan Chase Bank, N.A. Member FDIC
© 2023 JPMorgan Chase & Co.

Effective 3/19/2023
Deposit Account Agreement Table of Contents
I. Definitions....................................................................................................................................................................5 II. Opening Your Account ...............................................................................................................................................5 A. Personal Accounts............................................................................................................................................................... 5

1. Solely owned account..................................................................................................................................................... 5

2. Joint accounts.................................................................................................................................................................. 5

3. “Payable on death” account .......................................................................................................................................... 6

4. “In trust for” (informal trust) account.......................................................................................................................... 6

5. Convenience account ..................................................................................................................................................... 6

6. Power of attorney........................................................................................................................................................... 6

7. Supported decision-making agreement...................................................................................................................... 6

8. Uniform Transfers to Minors Act/Uniform Gifts to Minors Act (UTMA/UGMA) account ..................................... 7

9. Representative payee/VA custodian account............................................................................................................. 7

10. Other fiduciary accounts ............................................................................................................................................. 7 B. Business Accounts............................................................................................................................................................... 7 III. Using Your Checking or Savings Account...............................................................................................................7 A. Adding Money to Your Account......................................................................................................................................... 7

1. Direct deposits; notice of electronic deposits ............................................................................................................ 7

2. Endorsements................................................................................................................................................................. 7

3. Endorsement requirements.......................................................................................................................................... 8

4. Our rights and responsibilities for deposits ............................................................................................................... 8

5. Our right to charge back deposited or cashed items ................................................................................................ 8

6. Transaction records and receipts................................................................................................................................. 8

7. Night depository and large cash deposits................................................................................................................... 8

8. Depositing remotely created checks............................................................................................................................ 8 B. Posting Order and Processing ........................................................................................................................................... 8

1. Posting order ................................................................................................................................................................... 8

2. ”Pending” transactions .................................................................................................................................................. 9 C. Overdrafts, Fees and Overdraft Protection..................................................................................................................... 9

1. Paying transactions presented against insufficient funds........................................................................................ 9

2. Your responsibility to repay overdrafts....................................................................................................................... 9

3. Overdraft Fees .............................................................................................................................................................. 10

4. Overdraft Protection.................................................................................................................................................... 10 D. Electronic Funds Transfer Service Terms; Payments, Deposits and Transfers You Make or Receive by Electronic Methods............................................................................................................................................................ 10

1. Types of EFT services.................................................................................................................................................... 10 a. Debit and ATM cards ............................................................................................................................................... 10 b. Electronic transfers using your account number................................................................................................ 11 c. Online banking and Chase Mobile......................................................................................................................... 11 d. Telephone banking.................................................................................................................................................. 11 e. Transfers for Overdraft Protection ....................................................................................................................... 11

2. Important information and agreements about your card ..................................................................................... 11 a. Authorizations and holds ....................................................................................................................................... 11 b. Overdrafts with your card...................................................................................................................................... 11 c. Canceling your card................................................................................................................................................. 11 d. Our right to refuse transactions............................................................................................................................ 12 e. Foreign exchange transactions.............................................................................................................................. 12

DEPOSIT ACCOUNT AGREEMENT
JPMorgan Chase Bank, N.A. Member FDIC
© 2023 JPMorgan Chase & Co.

Effective 3/19/2023
f. Debit or credit prompts at terminals..................................................................................................................... 12 g. ATM safety and safeguarding your account information .................................................................................. 12

3. Daily dollar limits on ATM withdrawals and card purchases.................................................................................. 12

4. Receipts and statements ............................................................................................................................................. 12

5. In case of errors or questions about your electronic funds transfers.................................................................. 13

6. Our liability for failure to complete transactions..................................................................................................... 13

7. Preauthorized (recurring) transfers and stop payments ........................................................................................ 13

8. Disclosure of account information to third parties ................................................................................................. 14

9. Notice of your rights and liabilities............................................................................................................................. 14

10. Fees............................................................................................................................................................................... 14

11. Services not covered by this part; separate agreements ..................................................................................... 14 E. Other Ways to Use Your Money....................................................................................................................................... 14

1. When you can withdraw funds you’ve deposited .................................................................................................... 14

2. Withdrawals and transfers from your account ........................................................................................................ 14

3. Transactions in a foreign currency............................................................................................................................. 15

4. Large cash withdrawals ............................................................................................................................................... 15

5. Stop payments on a check........................................................................................................................................... 15

6. Account numbers on funds transfers........................................................................................................................ 15

7. Savings account withdrawals ...................................................................................................................................... 15

8. Our right to require advance notice of withdrawals................................................................................................ 15

9. Check cashing................................................................................................................................................................ 16

10. Incomplete, future-dated, conditional or stale-dated checks.............................................................................. 16

11. Multiple signatures ..................................................................................................................................................... 16

12. Facsimile signatures ................................................................................................................................................... 16

13. Review of checks and signatures.............................................................................................................................. 16

14. Substitute Checks and Your Rights .......................................................................................................................... 16 IV. Funds Availability Policy ........................................................................................................................................17 V. Safeguarding Your Information..............................................................................................................................18 A. Checks and Other Documents You Use ......................................................................................................................... 18 B. Protecting Your Checks..................................................................................................................................................... 18 C. Notice of Forgeries, Unauthorized Signatures and other Errors on Your Account Statement............................... 18 VI. Managing and Maintaining Your Account............................................................................................................18 A. Interest on Checking and Savings Accounts.................................................................................................................. 18 B. Linking Your Accounts; Statements ................................................................................................................................ 19

1. Linked accounts ............................................................................................................................................................ 19

2. Statements and notices ............................................................................................................................................... 19

3. Combined statements ................................................................................................................................................. 19

4. Options for receiving checks....................................................................................................................................... 19 C. Telephone and Electronic Communication.................................................................................................................... 19 D. Fees for Your Account....................................................................................................................................................... 20 E. Setoff and Security Interest.............................................................................................................................................. 20 F. Account Alerts and Text Banking ..................................................................................................................................... 20 VII. Maintaining Your Certificate of Deposit (CD) Account......................................................................................20 VIII. Closing Your Account............................................................................................................................................21

DEPOSIT ACCOUNT AGREEMENT
JPMorgan Chase Bank, N.A. Member FDIC
© 2023 JPMorgan Chase & Co.

Effective 3/19/2023
IX. Other Legal Terms...................................................................................................................................................22 A. Rules Governing Your Account........................................................................................................................................ 22 B. General Liability................................................................................................................................................................. 22 C. Restricting Your Account; Blocking or Delaying Transactions..................................................................................... 22 D. Changes to the Agreement.............................................................................................................................................. 22 E. Our Responsibility to Obtain Personal Information ..................................................................................................... 23 F. Prohibited Activities and Tax Reporting.......................................................................................................................... 23 G. Death or Incompetence of Account Owner or Sole Signer.......................................................................................... 23 H. Adverse Claims .................................................................................................................................................................. 23 I. Authorization to Share Information................................................................................................................................. 23 J. Disputing Information Reported to a Consumer Reporting Agency........................................................................... 23 K. Legal Process and Requests for Information ................................................................................................................ 24 L. Abandoned Property ........................................................................................................................................................ 24 M. English Language – Other Language Preferences ....................................................................................................... 24 N. Referrals ............................................................................................................................................................................. 24 O. Special Provisions for Pass-Through Accounts ............................................................................................................. 24 P. Sub-accounts ...................................................................................................................................................................... 24 Q. Permitted Time for Filing a Lawsuit................................................................................................................................ 25 R. Location of Legal Proceedings......................................................................................................................................... 25 S. Pre-judgment Interest Rate.............................................................................................................................................. 25 T. Assignment of Agreement and Successors.................................................................................................................... 25 U. No Waiver ........................................................................................................................................................................... 25 V. Employee Retirement Income Security Act (ERISA) ...................................................................................................... 25 X. Arbitration; Resolving Disputes .............................................................................................................................25 Privacy Notice

DEPOSIT ACCOUNT AGREEMENT
JPMorgan Chase Bank, N.A. Member FDIC
© 2023 JPMorgan Chase & Co.

Effective 3/19/2023
Deposit Account Agreement
This agreement is the contract that governs your account.

Whether you have a personal or business deposit account, this document is the basic agreement between you and us (JPMorgan Chase Bank, N.A. or “Chase”). By signing a signature card or submitting an account application, or by using any of our deposit account services, you and anyone else identified as an owner of the account agree to the terms in this agreement. Customers of some of our business groups, such as Corporate Banking, will get a different agreement and their accounts will be governed by that agreement, not this one. If you have a product that is not a deposit account, such as a credit card, this agreement does not apply to that product. Also, other products or services, such as online banking or retirement accounts, may have additional agreements. In the event of an irreconcilable conflict between the terms of this agreement and any applicable Chase agreements, the terms of this agreement will control, unless otherwise explicitly stated.

This agreement also refers to and includes other disclosures we may provide to you, including (1) product information, (2) rate information, (3) banking services and fees, and (4) other disclosures, agreements, and amendments that we may provide to you. All may contain information on fees that apply to your accounts. Products and services as well as associated fees, charges, interest rates and balance requirements may differ among different geographic locations. Not all products and services, including check cashing, are offered at all locations.

I. Definitions
Here are some important terms that we use throughout this agreement:

Account: Any deposit account, such as a checking or savings account, you have with us that is covered by this agreement.

ACH (Automated Clearing House): ACH, which may also be referred to as automatic payments, are funds transferred to or from your account through an automated clearing house network. Common examples include direct deposits of payroll, tax refunds, government benefits, and pensions.

ATM (Automated Teller Machine): An electronic device that performs many banking services, which can include withdrawals and balance inquiries.

Available balance: The amount of money in your account that you can use right now. You can find this balance on receipts you receive at ATMs, from a banker at a branch, on chase.com or Chase Mobile.

Here’s how we calculate your available balance: We start with your previous end of day balance, •Add any pending credit transactions,
•Subtract any pending debit transactions, deposits that are not available yet for withdrawal, and any holds on your account.

Business day: Every day except Saturdays, Sundays and federal holidays. Some branches may close on a business day due to an emergency or to observe a state holiday.

Check: A written order to pay a specific amount of money drawn on, payable through, payable at or processed by a bank or other depository institution. If a check is sent or returned as an electronic image or as a substitute check, it is still considered a check.

Debit card transaction: Any purchase or bill payment using your debit card. A debit card transaction may be either an everyday (not recurring) purchase transaction or a recurring payment, such as a monthly bill.

Direct deposit: An automatic electronic deposit made through the ACH network to your account by someone else, such as an employer issuing payroll or a government paying benefits.

Transaction (may also be referred to as item): Any check, ACH, funds transfer, online banking transaction, wire transfer, teller cash withdrawal, ATM withdrawal, debit card purchase, fee, charge or other instruction for an amount to be added to or subtracted from your balance, whether or not we pay or settle the transaction.

Overdraft: The amount by which any transaction(s) would exceed the balance in your account either when it is authorized or presented for settlement during our nightly processing. If your account has a negative balance it is considered to be overdrawn.

PIN: A four-digit personal identification number that you either select or request from us for your debit or ATM card. Some merchants and all ATMs require a PIN when you use a debit card.

Present balance: The total amount of money recorded in your account, including funds not yet available for you to use. This includes pending transactions, authorization holds that are not yet posted or deposits that have not yet been made available. You can find this balance on receipts you receive at ATMs, from a banker at a branch, on chase.com or Chase Mobile.

II. Opening Your Account
A. Personal Accounts
THE TYPE OF ACCOUNT OWNERSHIP MAY DETERMINE HOW YOUR FUNDS ARE PAID IF YOU DIE, EVEN IF YOUR WILL STATES OTHERWISE. PLEASE CONSULT YOUR ESTATE PLANNING ADVISOR OR ATTORNEY ABOUT YOUR CHOICES.

If your account is a type listed under “Personal Accounts” in our product information, you agree not to use it for business purposes. Ownership of your account is determined by the most current signature card. However, we are authorized to rely on the account ownership information contained in our deposit system unless we are notified that the most current signature card and the deposit system contain different information.

1. Solely owned account
When only one individual is listed as the owner of an account, we will treat the account as a solely owned account.

2. Joint accounts
When two or more people are listed as owners of a personal account, the account is a “joint account” and each owner is a “joint owner.” Each joint owner has complete control over all of the funds in the account.

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DEPOSIT ACCOUNT AGREEMENT
JPMorgan Chase Bank, N.A. Member FDIC
© 2023 JPMorgan Chase & Co.

Effective 3/19/2023
If your joint account becomes overdrawn, each joint owner is liable for the full amount the account is overdrawn, regardless of who initiated or benefited from the activity that caused the overdraft.

If one joint owner requests that we not pay transactions initiated by a different joint owner, we may block the account, but we are not required to do so. That means we will refuse to pay all transactions, including transactions initiated by the owner making the request. If we block the account, we may not release the block unless all joint owners agree in writing to remove it. No request to block the account will affect transactions that we paid before the request. If we decide not to block the account, all joint owners remain responsible for transactions subtracted from the account.

Any joint owner may close the account without the consent from any other joint owners. We may choose whether or not to act upon other instructions of any joint owners, including adding another owner to the account, without the authorization of the other joint owners. We may also pay all or any part of the funds in the joint account to a court or government agency if we receive a garnishment, levy or similar legal process that identifies any of the joint owners.

Joint account with rights of survivorship
If a joint account has rights of survivorship, and one joint owner dies, the account ownership will be transferred to the surviving joint owners. The estate of the deceased owner will have no rights to the account. If there is more than one surviving joint owner, the account will continue as a joint account with rights of survivorship among the remaining owners. If an account is designated “JAWROS” or “JTWROS,” it has rights of survivorship.

Joint account with no right of survivorship (also called “tenants in common”) If a joint account does not have rights of survivorship, and one joint owner dies, that owner’s interest passes to the owner’s estate. Either the surviving joint owners or the deceased owner’s estate may withdraw the funds at any time, and we have no responsibility for determining the respective interests of the owners. If an account is designated “Tenants in common” or “JTIC,” it does not have rights of survivorship.

When survivorship rights apply
Except as otherwise stated in this paragraph, a joint account has rights of survivorship unless you clearly indicate on the signature card and in the account title that the account is created without these rights. Accounts in Louisiana do not have rights of survivorship. Accounts in Texas do not have rights of survivorship unless you clearly indicate on the signature card and in the account title that the account is created with these rights.

If a joint account also contains a “payable on death” or “in trust for” designation, the account always includes a right of survivorship and is payable to the beneficiary only upon the death of the last surviving owner, except as stated in the paragraph below.

Marital account (Wisconsin only)
If one owner of a marital account dies, the survivor is entitled to 50% of the account funds and the estate of the deceased is entitled to the other 50%. If a marital account contains a payable on death designation, the POD beneficiary is entitled to the deceased spouse’s 50% share. However, we have no responsibility to determine the respective interests of the owner and the POD beneficiary.

Tenants by the entirety (Florida only)
A Florida joint account owned solely by two spouses is a “tenants by the entirety” account unless the signature card indicates otherwise. We are not required to determine whether an account is a tenants by the entirety account before responding to a garnishment or other legal process. We may assert our right of setoff or security interest in a tenants by the entirety account in order to collect debts of either owner.

3. “Payable on death” account
If you establish your account payable on death to one or more beneficiaries, the account is a “POD” account. If we receive proof you’ve died, we will pay the balance of the account to the beneficiary or beneficiaries you designated. Multiple beneficiaries will be paid in equal shares unless the signature card provides otherwise. We do not offer POD accounts in all states.

4. “In trust for” (informal trust) account
If you establish your account as in trust for (“ITF”) or as trustee for one or more beneficiaries without presenting formal trust documents, we may treat the account as an “ITF” account. If we receive proof you’ve died, we will pay the balance of the account to the beneficiary or beneficiaries you designated. Multiple beneficiaries will be paid in equal shares unless the signature card provides otherwise. We do not offer ITF accounts in all states.

5. Convenience account
If you have a convenience account, you are its sole owner, but you authorize an additional signer to write checks or authorize other transactions. You are solely responsible for the actions of the additional signer (legacy accounts only).

6. Power of attorney
A power of attorney is a document you sign that authorizes someone else, called the agent, to act on your behalf. If you sign a power of attorney, the agent can sign on your behalf and do anything you could do regarding the account, including withdrawing or spending all of the money in the account. Do not sign a power of attorney unless you trust the agent to act in your best interest. If you choose to add an agent, you must provide a power of attorney form that we agree to accept. We may rely on a copy of an original power of attorney. We are not required to investigate the facts relating to any power of attorney provided to us on your behalf, including whether your signature on the power of attorney is authentic or whether the agent continues to have authority. We may follow or refuse to follow the agent’s instructions at any time, including if we suspect fraud or abuse on your account, unless state law requires otherwise. We may also refuse an agent’s request to become a joint owner or a beneficiary of an account, but we have no liability to anyone if we do so. We have no liability when we follow or refuse to follow any instructions from an agent, for example, if your agent misuses the authority you have given them. An agent’s power of attorney on an account is terminated when the account owner dies.

7. Supported decision-making agreement
In certain states you can name a supporter to assist you in understanding the information, responsibilities and consequences of your financial decisions. This is done through a supported decision-making agreement, which is an agreement between you and a supporter that is entered into so the supporter can assist with gathering information for you to make decisions about your account.

A supporter is a person that is named by you in a supported decision-making agreement. A supporter may not transact on your account; however, a supporter may request and be provided with account information, such as statements or copies of checks. A supporter may also communicate decisions made by you.

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DEPOSIT ACCOUNT AGREEMENT
JPMorgan Chase Bank, N.A. Member FDIC
© 2023 JPMorgan Chase & Co.

Effective 3/19/2023

8. Uniform Transfers to Minors Act/Uniform Gifts to Minors Act (UTMA/UGMA) account The designated minor is the owner of the funds in the account; including any funds transferred into the account are irrevocably owned by the minor. UTMA/UGMA accounts can’t be pledged as collateral for a personal loan to you, nor can checks be cashed against it.

If you are the custodian or successor custodian of an account under a state’s UTMA/UGMA, you agree to manage and use the account in accordance with your obligations under applicable state law, including:
• Using the account for the exclusive use and benefit of the minor, and •Transferring assets to the beneficiary at the age when the UTMA/UGMA terminates It is your responsibility as custodian to consult your own legal or tax advisor about the governing state law.

At our sole discretion we may limit transactions on the account if you fail to transfer funds to the beneficiary as required by applicable law. You agree, on your own behalf and on behalf of the minor, to indemnify and hold us harmless from any and all liability, including from any claim by the beneficiary, for following any instructions with respect to the account.

9. Representative payee/VA custodian account
If you open an account as a “representative payee” for someone who receives Social Security payments, or as a legal custodian, spouse payee or other custodian for someone who receives Veterans Administration payments, you agree not to permit any deposits to the account other than the designated payments. We are not required to determine whether you deposit other funds or whether any debits from the account are for the support of the person for whose benefit the funds are paid. This person is called the beneficiary. If the beneficiary dies, you must promptly notify us and stop all further deposits to and withdrawals from the account. If the government demands that we return deposits made after the beneficiary’s death and the account does not have enough funds to pay the demand, we may take the funds from any account you or the beneficiary owns.

10. Other fiduciary accounts
If you open an estate account, trust account, guardianship or conservatorship account, or other similar type of account, we reserve the right to require any documents we reasonably request to satisfy us that you are authorized to open and use the account, including withdrawing the funds. We do not have to permit any withdrawal from the account until we receive all requested documents. We have no fiduciary duties to you as the trustee, executor, guardian or conservator, or to the beneficial owners of the account.

B. Business Accounts
If your account is a type listed under “Business Accounts” in our product information, you agree not to use it for personal purposes.

If our records list a business organization as the owner of an account, the account is payable to the business organization and not to any individual director, shareholder, member or partner. “Business organization” means a corporation, unincorporated association, limited liability company, partnership, or any other business, government or non-profit organization. We may rely on the accuracy and completeness of all resolutions, signature cards and other documents you deliver to us in connection with the account. If they state that a person is authorized to sign checks or otherwise initiate transactions on your account, that person is called a signer.

If the account owner is a sole proprietorship, that means that one person conducts the business as his or her own property, instead of through a business organization.

A sole proprietor may also designate signers by appropriate documents. We may in some states allow a married couple to open an account as a sole proprietorship.

If you change your form of ownership or authorized signers, you must notify us when the change occurs.

A signer is authorized to endorse checks payable to the business. Endorsements “for deposit” may be written or stamped. A signer is also authorized to sign checks drawn on your account. We are authorized to pay checks without asking how the checks were issued or how the proceeds will be used, even if the check is payable to the person who signed the check.

A signer is authorized to instruct us to close accounts or do anything else involving any account, and to sign any agreements or documents relating to accounts or other business. We may, although we are not required to, cash checks payable to or accept “less cash” deposits from a business organization.

If you open an attorney trust account, including an IOLTA or similar account, you authorize us to notify the appropriate state agency if the account is overdrawn or checks are dishonored, if the applicable state requires notice of those events.

III. Using Your Checking or Savings Account
A. Adding Money to Your Account

1. Direct deposits; notice of electronic deposits
When we receive an electronic deposit to your account, the only notice you will receive from us is on your next statement. You may visit chase.com or Chase Mobile® and use Account Alerts, or call us to confirm that we have received a deposit.

If the bank that sent an electronic deposit to your account tells us it was a mistake, or was intended for another customer or account, we may deduct the amount from your balance without investigating.

2. Endorsements
An endorsement is a signature, stamp or other mark made on a check to transfer the check to another person. If a check you deposited doesn’t have your endorsement, we may endorse it for you or treat the check as if we had endorsed it. Either way, the effect will be as if you had endorsed the check. Also, any deposited check that appears to contain your stamped or facsimile endorsement will be treated as if you had actually endorsed it. We are not bound by any conditional or restrictive endorsements on a check you cash or deposit, or by any endorsement “without recourse.” Return to Table of Contents

DEPOSIT ACCOUNT AGREEMENT
JPMorgan Chase Bank, N.A. Member FDIC
© 2023 JPMorgan Chase & Co.

Effective 3/19/2023

3. Endorsement requirements
To help ensure that checks you deposit or cash will be processed timely, your endorsement (and any other endorsement supplied by a co-payee) must be in the 1½ inch area that starts on the right side as viewed from the back. Payee or customer information must not be on any other part of the back of the check.

If you don’t endorse your check properly and it causes us a loss, cost or expense, you have to pay that amount to us.

4. Our rights and responsibilities for deposits
If you deposit or cash a check, or we send one for collection, we act only on your behalf. Our only responsibility is to exercise reasonable care. If we lose a check, you agree to use reasonable efforts to help us locate or replace it.

We will not be liable for the lack of care of any bank or third party we use to collect checks, or for checks lost during shipping. We may send checks to any bank or to the entity on which the check was written in our customary manner. We may have agreements with other banks regarding times and methods for collecting or returning items.

We may refuse a deposit, or part of a deposit, at any time. We also may refuse a deposit after initially accepting it. We can reverse any amount we have added to your balance for a deposited check and send the check on a collection basis even after we have taken physical possession of the check. We will not be liable to you for refusing a deposit, even if it causes us to decline any transactions you have already made.

If we refuse a deposit, we may take a check on a “collection basis,” which means we will not add funds to your balance until we have actually been paid for the check. If we process any check deposit on a “collection basis,” we will not add funds to your balance until we have actually been paid for the check by the other bank.

If the other bank charges us a collections or processing fee for any item, we will deduct that from your account or the amount credited to you. These charges or fees will be assessed even if the other bank does not pay us for the check or the funds have already been deposited to your account.

5. Our right to charge back deposited or cashed items
If you deposit or cash a check or other item and (1) the paying bank returns it to us unpaid; (2) the paying bank or the issuer of a check demands that we repay them because the check was altered, forged or unauthorized, is missing a signature or endorsement, or has a forged endorsement; or (3) the sending bank or the originator of an item demands that we return the item because it was unauthorized, sent to the wrong account number or procured by fraud, we may pay the return or demand, and subtract the funds from the balance in your account or in other accounts for which you are an owner, or charge part of the item to each, even if you have already withdrawn the funds. If we have reason to believe that any of the events in the previous sentence has occurred or may occur or that the check or other item should not have been paid or may not be paid for any other reason, we may place a hold on the funds or move them to a non-customer account until we determine who is entitled to them.

6. Transaction records and receipts
We may rely on the account number on any deposit slip, payment instruction, or similar record we receive, even if that account number is associated with a name that’s different from the name you’ve provided. It’s not our responsibility to detect any inconsistency between the account number you provide and the name.

If you make a deposit, we may provide a receipt, but the amount on your deposit receipt is based entirely on the deposit slip you complete. We may confirm the funds you deposit and, after review, may adjust your account for any errors including any errors on your deposit slip.

We are permitted to adjust (debit or credit) your account, and we may notify you, if we:
• Determine a discrepancy exists between the declared and the actual amount of the funds in your account, or •Misdirected a transaction to or from your account or made a transaction that we reasonably believe to be in error.

If we give you a receipt for a CD that you decide not to open or we give you a receipt for a deposit that you then cancel, the receipt is void and you may not claim those funds.

7. Night depository and large cash deposits
Any of our employees may open and count any deposit that a branch banker didn’t count in front of you, including night depository deposits and large cash deposits, and you agree not to dispute that employee’s determination of the amount you deposited.

If you use our night depository, you are responsible for any disappearance, theft or loss of any envelope, bag or money before we issue a written receipt for the deposit.

8. Depositing remotely created checks
A remotely created check is created by the payee and not signed by the account owner. It states that the account owner authorized the check. If you deposit a remotely created check, you guarantee it was authorized by the account owner for payment in the amount it shows.

B. Posting Order and Processing

1. Posting order
Posting order is the order in which we apply deposits and withdrawals to your account. We provide you with visibility into how transactions are posted and in what order to help you better manage your account.

When we transition from one business day to the next business day we post transactions to and from your account during our nightly processing. The order in which we generally post transactions during nightly processing for each business day is:
•First, we make any previous day adjustments, and add deposits to your account. •Second, we subtract transactions in chronological order by using the date and time of when the transaction was authorized or shown as pending. This includes ATM and Chase banker withdrawals, transfers and payments; automatic payments; chase.com or Chase Mobile online transactions; checks drawn on your account; debit card transactions; wire transfers; and real time payments. If multiple transactions have the same date and time, then they are posted in high to low dollar order.

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DEPOSIT ACCOUNT AGREEMENT
JPMorgan Chase Bank, N.A. Member FDIC
© 2023 JPMorgan Chase & Co.

Effective 3/19/2023
- There are some instances where we do not have the time of the transaction therefore we post at the end of the day the transaction occurred:
• We are unable to show the transaction as pending; or
• We don’t receive an authorization request from the merchant but the transaction is presented for payment. •Third, there are some transactions that we cannot process automatically or until we’ve completed posting of your chronological transactions. This includes Overdraft Protection transfers or transfers to maintain target balances in other accounts. We subtract these remaining transactions in high to low dollar order. •Finally, fees are assessed last.

If you review your account during the day, you will see that we show some transactions as “pending.” For details, refer to the section “Pending” transactions. These transactions impact your available balance, but have not yet posted to your account and do not guarantee that we will pay these transactions to your account if you have a negative balance at that time. We may still return a transaction unpaid if your balance has insufficient funds during that business day’s nightly processing, even if it had been displayed as a “pending” transaction on a positive balance during the day. If a transaction that you made or authorized does not display as “pending,” you are still responsible for it and it may still be posted against your account during nightly processing.

2. “Pending” transactions
Throughout the day we post debits and credits to your account that may appear as “pending” when we become aware of the transaction. The following are the most common types of debit transactions that may appear as “pending” and reduce your available balance by the amount of the transaction:
-ATM and Chase Banker Withdrawals, Transfers and Payments -Automatic Payments
- Chase.com or Chase Mobile Online Transactions
- Checks Drawn on Your Account
- Debit Card Transactions
- Wire Transfers
ATM and Chase Banker Withdrawals, Transfers and Payments: For payments or cash withdrawals, we will apply the transactions and update your available balance as soon as the transaction is complete.

Automatic Payments (ACH transactions): We will generally apply debit transactions against your available balance as pending at the start of the business day of the effective date of the payment. If you initiate ACH debit transactions on the same day as the effective date, we will apply them in the order we receive them.

Chase.com or Chase Mobile Online Transactions: For any payment or transfer, once you approve the transaction, we’ll apply it to your account. For recurring or future dated payments, it is applied on the effective “send on” date.

Checks Drawn on Your Account: When cashed or deposited at a Chase ATM, branch, or online, the check will be pending on your account at the time it was cashed or deposited. Checks that are deposited at other banks will show as pending throughout the day as the other banks submit the item to us for payment. If the amount of the check identified in the notice exceeds your balance at the time we receive the notice, we may notify the other bank of that fact.

Debit Card Transactions: For more information on debit card transactions refer to the section Important Information and Agreements About Your Card.

Wire Transfers: Once we’ve begun processing the wire transfer and completed all of our internal reviews, we will apply the transaction to your account and update your available balance on the transfer’s effective date.

While we make every effort to place transactions in a pending status on your account during the day, transactions may be unable to be displayed as pending before they are posted to your account. How these transactions are posted when they are completed and no longer display as pending is based on the posting order. Fees are applied against the account based on how transactions are posted. For details, refer to the section Posting Order.

C. Overdrafts, Fees and Overdraft Protection

1. Paying transactions presented against insufficient funds We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize or pay any type of transaction. Even if we’ve paid overdraft transactions before, we are not required to do it in the future.

We may pay or return any transaction when it is presented if your account balance is less than the amount of that transaction. The account balance we use to pay or return a transaction is determined during our nightly processing. During our nightly processing, we take your previous end of day’s balance and post credits. If there are any deposits not yet available for use or holds (such as a garnishment), these will reduce the account balance used to pay your transactions. Then we subtract any debit transactions presented during our nightly processing. We look at your balance only once when the transaction is presented (or presented again at a later time such as a check or ACH) to us to decide if you have enough funds to pay the transaction. For details, refer to the section Posting Order.

The available balance shown to you during the day may not be the same amount used to pay your transactions as some transactions may not be displayed to you before nightly processing. We will decline any requested ATM withdrawal unless your available balance at the time is equal to or more than the amount of the requested withdrawal. Special rules for everyday debit card transactions, overdraft and fees for these transactions, are described in the Electronic Funds Transfer Service Terms.

Withdrawals and debits at ATMs or with merchants may be subject to additional limitation described in the Additional Banking Services and Fees.

2. Your responsibility to repay overdrafts
You must immediately pay the amount of any overdraft along with any fees that apply. We may report you to consumer reporting agencies, close your account, or both.

This could affect your ability to open accounts with us or other banks in the future. For certain business accounts, if you don’t immediately pay the amount of overdraft, you may also be charged additional fees or interest during nightly processing.

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DEPOSIT ACCOUNT AGREEMENT
JPMorgan Chase Bank, N.A. Member FDIC
© 2023 JPMorgan Chase & Co.

Effective 3/19/2023
You authorize us to use the money from any subsequent deposits to your account (including but not limited to a direct deposit of Social Security or any other state or federal benefit payment) to pay any overdraft and resulting fees in that account. The repayment of any overdraft or resulting fee from any other account is outlined in the section Setoff and Security Interest. For deposits you have authorized, you understand and agree that if you don’t want your benefits applied in this way, you may change your direct deposit instructions at any time with the person or organization paying the benefits.

You agree to pay all costs and expenses we incur in collecting any overdraft. We may still pursue collection of the amount you owe (including suing you) after it is charged off. It’s your responsibility to avoid overdrawing your account.

3. Overdraft Fees
We will charge an Overdraft Fee (may also be referred to as Insufficient Funds Fee) during nightly processing for any paid transaction posted on a business day when your account is overdrawn. If we return a transaction, we will not charge a fee. We will charge an Overdraft Fee for a transaction that may have been previously returned unpaid if it is later paid against an overdrawn balance. Special rules for everyday debit card transactions are described in the Electronic Funds Transfer Service Terms.

Refer to your product information and Fee Schedule for information about what fees apply and how fees are calculated for your account. We may limit the number of Overdraft Fees we charge for a business day. For business accounts, we may charge interest on any amount you are overdrawn that you haven’t repaid promptly.

4. Overdraft Protection
Overdraft Protection allows you to link one of your accounts as your backup account to your checking account to help pay an overdraft. If your checking account does not have enough money, we will use the available funds from your backup account to authorize or pay transactions.

Establishing or Canceling Overdraft Protection: Any owner of both a qualifying checking account and the backup account may enroll in Overdraft Protection without the consent of other owners and both accounts must share at least one owner to maintain Overdraft Protection. Any owner of the checking account or the backup account may cancel Overdraft Protection (by terminating the service or closing the account) without the consent of other owners. A backup account can provide Overdraft Protection for more than one checking account, but a checking account can have only one backup account. A personal checking account may be linked to a Chase personal savings account; and a business checking account may be linked to a Chase business savings account or a business line of credit in good standing. We may cancel your Overdraft Protection service at any time. Your request to add or cancel Overdraft Protection will become effective within a reasonable time after approval.

Transfers: We will make one Overdraft Protection transfer per business day that will appear on your statement for both accounts. If you have enough available funds in your backup account, we will automatically transfer enough to bring your checking account balance to zero. If you do not have enough available funds in your backup account to bring your checking account balance to zero, but you have enough available funds to pay one or more transactions and/or your previous day’s negative balance, we will transfer that amount. If the amount transferred does not bring your checking account balance to zero, your checking account will become overdrawn and you may be charged Overdraft Fees. If we authorize your transaction, we will leave the funds in your backup account until we pay the transaction, which may take several days. However, if you use those funds before the transaction is paid there will not be available funds to transfer and your checking account may become overdrawn and charged an Overdraft Fee. The available balance for a savings account is determined at the time that we authorize a transaction or at the end of business day processing. The available balance for a business line of credit is determined at the end of the previous business day processing. We are not required to notify you if funds from the backup account cannot be transferred for Overdraft Protection (for example if the account is dormant, purged, restricted or not in good standing). Refer to the section Restricting Your Account; Blocking or Delaying Transactions for additional information.

D. Electronic Funds Transfer Service Terms; Payments, Deposits and Transfers You Make or Receive by Electronic Methods
We provide a variety of electronic funds transfer (EFT) services for deposit accounts. These include payments, deposits and transfers that you make or receive by electronic methods, such as with your card, telephone, or chase.com.

1. Types of EFT services
a. Debit and ATM cards
As a condition of opening certain accounts, you agree that we may automatically issue you a Chase debit or ATM card. However, activating your card is not required to keep your account open. We may deactivate any temporary ATM card when you activate your debit card.

You can use your card as follows:

At ATMs to:
•Withdraw cash;
•Transfer money;
• Check your balances;
• Deposit cash or checks;*
•Make payments to qualifying Chase credit cards and loans;* •Obtain a copy of recent account activity.*
Services marked with an asterisk (*) are available only at Chase ATMs, and all services may not be available at all Chase ATMs.

When you use a Chase ATM, you will have access to all of your personal checking, savings and credit card accounts, regardless of whether the accounts are linked to your card. When linking multiple accounts to your card, one checking account and one savings account will be designated as primary. We also offer cards with limited functions for your deposit accounts, such as deposit-only business cards that can be linked to a checking or savings account. Subject to the limited functions provided for each card, limited-function cards are also considered “cards” under this agreement.

You can use a non-Chase ATM only if it is in a participating network. Your primary checking and savings accounts will be accessible on that network, and your other linked accounts may be accessible. Outside the U.S., only your primary checking account is usually accessible. We may charge a Non-Chase ATM Fee, and the ATM owner/network may also charge a fee. Any of these fees may be charged for any activity, including withdrawals, balance inquiries and transfers. We generally waive the Return to Table of Contents

DEPOSIT ACCOUNT AGREEMENT
JPMorgan Chase Bank, N.A. Member FDIC
© 2023 JPMorgan Chase & Co.

Effective 3/19/2023
Non-Chase ATM Fee for a balance inquiry or transfer if it is made in connection with a withdrawal at the same non-Chase ATM at the same time with the same card.

On some accounts, we will refund ATM fees charged by the ATM owner/network; however, some ATM owners/networks do not identify these fees in the information they send to us and, as a result, we may not automatically refund the fee. If for any reason the refund is not processed, please contact us. If you choose to convert an international transaction to U.S. dollars at either an ATM or on a purchase, foreign currency commissions and fees included in the exchange rate charged by third parties are excluded from Chase reimbursements.

You can use your debit card (but not your ATM card):

At participating merchants to:
• Purchase goods and services. Purchases are subtracted from your primary checking account. If you have arranged with your merchant to make recurring payments, you must notify the merchant if your card number or expiration date has changed or your debit card is closed. We may also provide the merchant or the participating network your new account number and expiration date. •Withdraw cash while making a purchase using your PIN if the merchant permits the cash-back option. •Send or receive payments from another person, or receive payments from a business by providing your card number to third-party payment services.

At participating financial institutions to:
•Withdraw funds at a teller. Withdrawals are subtracted from your primary checking account. You will be charged a Non-ATM Cash Fee. b. Electronic transfers using your account number
You may authorize a third party to transfer funds to or from your account by providing your account number and your routing number or your debit card number. These transfers may use various payment networks and may take various forms, such as:
•Employer payroll, government benefits or other direct deposits; •One-time or recurring charges to your account to pay bills or make a purchase; •Transfers between external accounts and your Chase accounts; or •A “check conversion” transfer, where a merchant or other payee creates an electronic transfer from your paper check. The merchant may keep your check or return it to you.
c. Online banking and Chase Mobile
You may use chase.com or Chase Mobile to view your account information, make deposits (Chase Mobile only), transfer funds between your Chase accounts, pay qualifying Chase loans or credit cards, or make payments from your account to third parties. Enroll for these services on chase.com or by downloading the Chase Mobile app for select mobile devices. You must agree to the additional disclosures and specific terms for using these services when you enroll. d. Telephone banking
You may use our automated customer service system or speak to us to get your account information, transfer funds between your accounts with us, or pay qualifying Chase loans or credit cards. You must have a valid deposit or loan account and a valid password or PIN to use the automated system. Business account owners may also use a valid Taxpayer Identification Number (TIN).
e. Transfers for Overdraft Protection
Transfers to and from your accounts for Overdraft Protection are also EFTs and subject to these terms.

2. Important information and agreements about your card a. Authorizations and holds
Most merchants ask us to authorize your purchase. When we give authorization to a merchant, we will reserve or place a hold on your available balance, generally for three business days, for the amount of the authorization. There may be delays of several days between the authorization and the date the transaction is presented for payment, and your transaction may post to your account after the authorization hold has lifted.

We may authorize or refuse to authorize a transaction based on a different amount than the authorization request, because some merchants request authorization for an amount that is unrelated to the actual amount of the purchase (such as self-service fuel).

For some types of purchases we may place a hold for a longer period. There are times—for example, at restaurants, hotels or car rental agencies—that merchants won’t know the exact amount of your purchase when they request the authorization. If the authorization is more or less than your actual purchase amount, the hold may remain for a day or two even after your purchase amount has been subtracted from your available balance. We will pay the purchase amount from your balance whenever the merchant sends it to us, even if the hold has expired. b. Overdrafts with your card
For personal accounts, unless you have notified us that you DO want us to pay debit card overdrafts at our discretion, we generally won’t authorize an everyday debit card transaction if your available balance isn’t enough to pay that transaction, and we will not charge an Overdraft Fee. For business accounts, if you have notified us NOT to pay overdrafts we generally won’t authorize a debit card transaction if your available balance isn’t enough to pay that transaction, and we will not charge an Overdraft Fee.

When we give authorization to a merchant for your purchase, your available balance will decrease. But the authorization will not prevent certain transactions, such as ACH transactions and checks, from posting to your account, which can leave your account without enough funds. To avoid Overdraft Fees, be sure to keep enough funds in your account to avoid overdrawing your account, including enough funds for previously authorized debit card transactions not yet posted to your account.

We rely on transaction coding sent to us by the merchant or other third party to determine whether the transaction is everyday or recurring, which affects whether or not we would authorize these transactions at our discretion and whether we can assess you Overdraft Fees. If any other transaction overdraws your account, we will assess fees described in the sections Overdrafts, Fees and Overdraft Protection, Posting Order and Processing, and the Fee Schedule. c. Canceling your card
We may cancel your card at any time without notice. You may cancel your card by calling us. If you do, please destroy it.

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DEPOSIT ACCOUNT AGREEMENT
JPMorgan Chase Bank, N.A. Member FDIC
© 2023 JPMorgan Chase & Co.

Effective 3/19/2023
d. Our right to refuse transactions
We can refuse to authorize any transaction when your card has been reported lost or stolen or when we reasonably believe there may be fraudulent, suspicious or illegal activity. If you lock your card, we will stop authorizing everyday debit card transactions and ATM withdrawals but may still authorize recurring debit card transactions. Any card we issue to you will be unlocked when you activate it. e. Foreign exchange transactions
The exchange rate applied to card transactions that occur in a different currency will be selected by the network that processes the transaction. The network will select from the range of rates available in wholesale currency markets or a rate mandated by the government that issues or controls the currency in that country on the date it processes the transaction. The processing date on which the exchange rate is applied may differ from the date you used your card. When the card transaction is posted to your account, we will charge a Foreign Exchange Rate Adjustment Fee on the card transaction amount after conversion to U.S. dollars.

The exchange rate we use may include a spread, commissions or other costs that we, our affiliates or vendors charge in providing foreign exchange to you. The exchange rate may vary among customers depending on your relationship, products with us, or the type of transaction being conducted, the dollar amount, type of currency, and the date and the time of the exchange. You should expect that these rates will be less favorable than rates quoted online or in publications. f. Debit or credit prompts at terminals
If a merchant asks “Debit or Credit?” when you make a purchase, you can choose either one and your purchase will be subtracted from your primary checking account. •If you select Debit, you must also enter your PIN.
•If you select Credit, you may have to provide a signature except for some smaller amounts and when paying for self-service fuel. g. ATM safety and safeguarding your account information Be safe at ATMs. Some ATM locations are recorded by a surveillance camera or cameras. We advise you to be aware of your surroundings before, during and after any ATM use. Here are some additional tips:
• Choose an ATM that is well lit.
• Don’t use an ATM that looks unusual or altered.
• During the hours of darkness, consider having someone accompany you to the ATM. •If you suspect the ATM isn’t working properly or if you notice anything suspicious, cancel the transaction and find another machine. •When using a Chase ATM with a separate entry door, you should close the door completely upon entering and should not permit entrance to any unknown person after regular banking hours.
•If you need emergency assistance as a result of criminal activity or medical emergency, contact 911. •At a walk-up ATM, minimize transaction time by having your card ready to use. At a drive-up ATM, keep your car engine running and lock your doors. •Stand between the ATM and anyone waiting to use the machine or cover your hand so others can’t see your PIN or the transaction amount. •As soon as your transaction is complete, remove your card from the ATM, and then put away your money, receipt, and card. • Contact the police or a security officer if you see any suspicious activity at the ATM. If you think you’re being followed, go to a heavily populated, well lighted area, and immediately contact the police.
• Complaints concerning security at New York Chase ATMs should be reported to the Chase Security Department at 1-800-900-0001 or the New York State Department of Financial Services at 1-888-697-2861.

Keep your PIN confidential. Never give your PIN to anyone, and don’t write it down. In addition, to keep your card information safe:
• Use a PIN that others can’t easily figure out.
•To change your PIN (or if you forget your PIN), request a new PIN at chase.com, call us or visit any Chase branch.

Protect your debit card or ATM card as you would a credit card or cash.

Notify us immediately if your card is lost or stolen, or if you discover any other error. The sooner you report a problem, the sooner we can take precautions to ensure your card isn’t misused.

3. Daily dollar limits on ATM withdrawals and card purchases To protect your balance, we place daily dollar limits on ATM withdrawals and card purchases, even if your available balance is higher than the daily limit. Your limits are contained in the product information you received when you opened your account.

However, we may:
•Allow transactions that exceed your limits.
•Temporarily reduce your limits without notice, for security purposes. • Change your limits (we’ll notify you if we do).

Your card will be restricted if we consider your account to be inactive or dormant.

4. Receipts and statements
You can receive or have the option to receive a receipt at ATMs, from a banker at a branch, online through chase.com, and at merchant locations each time you make a transaction. However, for certain small dollar transactions at merchant locations, you may not receive a receipt.

See Statements and notices for information about periodic statements.

To confirm that you have received a direct deposit, review your balance and recent transactions through chase.com, Chase Mobile, at an ATM, or call us.

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DEPOSIT ACCOUNT AGREEMENT
JPMorgan Chase Bank, N.A. Member FDIC
© 2023 JPMorgan Chase & Co.

Effective 3/19/2023

5. In case of errors or questions about your electronic funds transfers If you think your statement is wrong, or if you need more information about a transaction listed on it, see the How to Contact Us section.

For personal accounts only, the following procedures apply:

We must hear from you NO LATER than 60 days after we sent you the FIRST statement on which the error appeared. Please provide us with the following:
•Your name and account number;
•A description of the error or the transaction you are unsure about, and why you think it is an error or want more information; and •The amount of the suspected error.

We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. However, if we need more time, we may take up to 45 days to investigate your complaint or question. If we do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If your first account deposit is less than 30 days before the date of the suspected error, the 10-business-day period is extended to 20 business days. If your first account deposit is less than 30 days before the date of the suspected error or the transaction occurred at a point-of-sale location or outside the U.S., the 45-day period is extended to 90 days.

If you call us, we may require that you send us your complaint or question in writing within 10 business days. If we do not receive it within 10 business days, we may not credit your account.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.

You may ask for copies of the documents that we used in our investigation.

For business accounts, our practice is to follow the procedures described above, but we are not legally required to do so. For example, we are not required to give provisional credit, or to finalize the claim during the periods stated above. We require you to notify us no later than 30 days after we sent you the first statement on which the error appeared. We may require you to provide us with a written statement that the disputed transaction was unauthorized.

6. Our liability for failure to complete transactions
If we do not complete a transaction from your personal account on time or in the correct amount, we will be liable for your losses or damages. However, we are not liable for any failed transaction if you do not have enough money in your balance to cover a transaction, if the ATM or device does not have enough cash or is not working properly, if circumstances beyond our control prevent the transaction, if the merchant requests authorization for an amount greater than the purchase amount, or if there are other exceptions stated in this agreement or as provided by law. We are not liable for failure to complete a transaction on a business account if we send you notice that the transaction was not completed.

7. Preauthorized (recurring) transfers and stop payments You may use your account or debit card to make recurring payments. If these recurring payments vary in amount, the payee will tell you the amount and date of the next payment at least 10 days before the payment due date. You may choose to get this notice from your payee only when the payment would differ by more than a certain amount from the previous payment or when the amount would fall outside certain limits that you set.

You can stop some payments before the scheduled payment date in the following ways:

1. If you provided your card number for the recurring transfer, you must contact us by telephone or at the branch and give us the exact card number. We will close the card and you can replace it with a new card and card number upon request.

2. If you provided your account number and routing number for ACH direct debits to your account (both recurring and one-time payments), you must contact us by telephone or at the branch and give us your account number and the exact name of the payee. We will also need the exact amount of the payment, a range of amounts or an instruction to block all payments from the named payee. We will charge a Stop Payment Fee. We are not responsible for stopping payment on ACH transactions if you do not provide this information or if you provide inconsistent information. We may refuse a payment to a payee with a similar name that we believe to be the same payee; however, we are not liable if we don’t refuse the payment. If you see a “pending” payment for a different amount or for a different payee than the stop payment you placed, contact us before the end of the business day so we can try to refuse payment. We may send you a written confirmation of your stop payment. We may rely on the information in the confirmation unless you notify us immediately of any errors. We may stop multiple transactions that have the amount and exact payee name you provided unless you cancel your stop payment request.

For personal accounts, your ACH stop payment is effective until we have determined that the ACH transaction is no longer occurring, or for 18 months, whichever is longer.

For business accounts, your ACH stop payment will either be effective:
• Until we have determined that the ACH transaction is no longer occurring, or for 18 months, whichever is longer, or •One calendar year with automatic renewal annually for up to six additional years. We will list scheduled renewals on your business account statement 60 to 90 days in advance. The stop payment will be renewed, and you will be charged a Stop Payment Automatic Renewal Fee, unless you notify us not to renew by following the instructions in the statement.

3. If you set up your recurring or one-time bill payments or transfers through chase.com or Chase Mobile, you can use that service to cancel pending and future payments.

4. If you previously set up recurring account transfers in the branch, you can only cancel those pending and future transfers in the branch.

We will generally process a stop payment request as soon as we receive it. If you place a stop payment three or more business days before the transfer is scheduled, and we still pay, we will be responsible for your losses or damages.

For business accounts, you can enroll in ACH Debit Block on chase.com to block and return ACH debit transactions.

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DEPOSIT ACCOUNT AGREEMENT
JPMorgan Chase Bank, N.A. Member FDIC
© 2023 JPMorgan Chase & Co.

Effective 3/19/2023

8. Disclosure of account information to third parties
Information about your account or the transactions you made will be disclosed to third parties:
•As necessary to complete transactions;
•In connection with the investigation of any claim you initiate; •To comply with government agency, arbitration or court orders (including subpoenas); •With your written permission;
•As permitted by our Privacy Notice.

9. Notice of your rights and liabilities
For personal accounts only:

Tell us AT ONCE if you believe your card, PIN or code has been lost or stolen. Calling us is the best and fastest way of keeping your possible losses to a minimum.

If you tell us within two business days, you can lose no more than $50 if someone used your card, PIN or code without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your card, PIN or code and we can prove we could have stopped unauthorized transactions if you had told us, you could lose as much as $500. If your statement shows electronic funds transfers that you did not make, tell us right away. If you do not tell us within 60 days after the statement was sent or otherwise made available to you, you may not get back any money you lost after the 60 days if we can prove that we could have prevented the transactions if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, let us know. We will extend the time periods.

For business accounts only, you agree:
•To assist us in the investigation of claims for unauthorized transactions and related prosecution by completing the appropriate statements and reports reasonably requested by us;
•To notify us promptly in writing if any user of a card is no longer employed by you or authorized to conduct business on your behalf; •That by allowing anyone to use your card, or by failing to exercise ordinary care (such as storing your PIN with your card or selecting your birthday as your PIN), you will be responsible for all authorized and unauthorized transactions; •That all of the provisions of this agreement, including liability limitations and the requirement that you give us notice of unauthorized transactions within 30 days, apply to your EFT services.

Special Provisions for Card Transactions (Zero Liability Protection) for personal and business accounts:

You are not liable for any unauthorized card transactions if you notify us promptly.

However, these special provisions do not apply where you were grossly negligent or fraudulent in the handling of your account or card, where you have given someone else your card, card number or PIN, or where you delay reporting unauthorized transactions for more than 60 days (30 days for business accounts).

10. Fees
Fees for all EFT services are disclosed in our Fee Schedule and product information.

11. Services not covered by this part; separate agreements For personal accounts, EFT services described in the Electronic Funds Transfer Service Terms do not include wire transfers and any transactions that are not covered by Consumer Financial Protection Bureau Regulation E.

For business accounts, wire transfers and other services not specifically described in the Electronic Funds Transfer Service Terms are governed generally by this agreement or by separate agreements.

We may offer additional EFT services besides those described in the Electronic Funds Transfer Service Terms that have separate agreements and disclosures.

E. Other Ways to Use Your Money

1. When you can withdraw funds you’ve deposited
Generally, for checking and savings accounts, you may withdraw funds the next business day after the business day you deposit them. But in some cases you may not.

Please see the Funds Availability Policy for details.

If funds from a deposit become available and you can withdraw them, that does not mean the check or other item you’ve deposited is authorized, is “good,” has “cleared,” or has been paid by the paying bank. It’s also possible that the check will be returned months after we’ve made the funds available to you and you’ve withdrawn them. No one, including our employees, can guarantee to you that a check will not be returned.

2. Withdrawals and transfers from your account
We may subtract from your available balance the amount of any check or other transaction that we receive throughout the day that you or any person you authorize created or approved. We may require you or any person you authorize to provide us with identification, documentation or information that’s acceptable to us before allowing the transaction. If check writing is not an available feature of your account, we will not issue you checks, and you are not permitted to write checks drawn on your account. We will not pay checks if you attempt to do so.

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DEPOSIT ACCOUNT AGREEMENT
JPMorgan Chase Bank, N.A. Member FDIC
© 2023 JPMorgan Chase & Co.