J.P. MORGAN CHASE BANK, N.A. 1A - 2015

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Proposal for the City of Santa Ana JPMorgan Availability for each item is determined by the drawee bank endpoint, the time the deposit is processed, the availability schedule (number of clays and fractional, which are based on our image exchange and image replacement document (IRD) clearing strategy, outbound transportation routes and our extensive check - clearing infrastructure) and possibly the dollar amount of the item in some markets. We are able to offer aggressive availability due to our extensive direct send network. Our high- speed processing equipment sorts the checks in your deposit by endpoint or drawee bank, eliminating the need for you to presort, Each check receives availability based on your assigned availability schedule and the time of deposit delivery. J.P. Morgan has invested well in excess of 5100 million to enhance our image infrastructure and capabilities in depository services to make certain that we remain an industry leader. We are a leading industry provider of Check 21 electronic imaging solutions. Therefore, we encourage the City to take advantage of ourranrcte deposit options. Our primary remote deposit solution, Image Deposit Direct (IDD), is discussed above Ma OV >" .r.. sn rof 5 ow + �4str y wf+ 3'r �, na r < d ra, a4ht"?, 7cs. 1111y,vf ate ti tuquhsrf Kf?tivcr p i1fYYY . t,, "vSM i, 0, , 6 f ,'.bt A 'o f4¢ eF CS? "wtact t1ow (} if CJG >'7 if "'C" tt'h r 16: r %i?) It nw x P'"tf;X We recommend file use of our Los Angeles Vault, located at 1529 West Pico Boulevard. Same -day ledger credit will be given to deposits received at the vault prior to 8:00 p.m. PT. iv ,m,x 7Pr4.= z3 fn > vrq ,k,re ;b� t >, xraltp4 sYe „� +r- ir,<3ls rtm�rri5 5Y'f7s t tlz. ryttrte: vtasfon ss; prrdtvhit:ci .'r &,vf +ef"tC V r:; rt r�rf ��ffdrxrl'' All discrepancies are identified. Our standard practice is to credit you for the dollar amount reflected on the deposit ticket or in the electronic file. It an adjustment is warranted once the deposit is verified, the adjustment amount will then be posted to your account. Cash and check adjustment notifications may be slightly different, however each notification will outline the following data: account number, location number, deposit bag number, customer name and address, deposit date, credit date, verified date, declared deposit amount, verified deposit amount, adjustment amount, adjustment reason, denomination breakdown, processing location, processing teller ID number and the approver teller ID number. We internally manage adjustments below a predetermined sundry amount without posting the corrected entries (arid related fees) to your account. Branch deposits — all cash discrepancies are posted to your account Check deposits Chase Quick Deposit/ Image Cash Letter (ICL) — not applicable as deposit must balance to be processed Paper un- encoded checks — discrepancies less than $10.00 are written off Paper pre - encoded checks — discrepancies Tess than $50.00 are written off Vault deposits -- all cash discrepancies less than $2.00 are written off Documentation The City will receive adjustment notificationsladvices via U.S. mail. Adjustment advices will be mailed within one business day of verification. Page 26