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

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Proposal for the City of Santa Ana J.P. Morgan The vault also offers the following notification options to supplement the paper advice: E-mail -- next -day notification for all deposits and adjustments processed during the prior processing day Fax -- next -day notification for all deposits and adjustments processed during the prior processing day Phone — notification by noon the following day for all adjustments greater the $100 Receipt Mailer --- mailed next -day for all deposits, adjustments and change orders processed during the prior processing day The adjustment will also post to electronic information reporting and the bank statement as a cash credit or debit adjustment with the dollar amount, store location number, original deposit amount, original deposit date, processing vault ID and an adjustment reason. 0 Mw Jh,l O.r n,hr,f _va:u nofirw,awrt grarsr:r ±t °trzr a.. <tir t^ items.aurc�rrsaPr.:.irrg 4rr<^ n"taea rt J ra=nt.; it err rttr: 4. ti F t:, ;hh ;Wrj: fwgi n r n .ii,rbw nr+ IRi <rY J.P. Morgan maintains a comprehensive database that details your return item handling instructions. During the check clearing process, deposited checks may be returned by the paying bank for a number of reasons, including nonsufficient funds (NSF), uncollected funds, stop payment, account closed, etc. Most returned items are routed through the Federal Reserve System to our regional return processing areas. After processing your return items per your handling instructions, the returns system will generate a debit to your designated demand deposit account (DDA). The actual return items are matched to a return item advice and mailed to you via First Class U.S. mall to the DDA statement address. The return advice lists the dollar amount and the reason for return for each item. Items being re- deposited are assigned availability and re- entered into the clearing system. Typically, re- deposits are not posted to your DDA nor do they appear on the return item advice. J.P. Morgan can provide a variety of optional services for handling return items to meet your needs. Return Item Advice Options Advices are generated throughout the day and are sent to you via First Class U.S. mail. They also contain the actual return items, The advices contain the following information: processing date (debit date), advice number, deposit account bank number, deposit account number, alternate chargeback account bank number (If applicable), store /location /lockbox number (if applicable), dollar amount of each return, return reason for each return, maker name for each return (if applicable), internal bank sequence number for each return and total debit amount for the advice. We offer following advice options: Standard Advice The standard advice lists up to eight returned checks. If location (store or lockbox) processing is requested, advices are produced by location. If "maker name" has been requested, the maker's name (first initial and last name) will be included on the advice. Page 27