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Additional information about JPMorgan Chase & Co. is available at <br />www.jpmorganchase.com. <br />e. Local Branch. Bank must have a full- service branch located within the City of <br />Santa Ana. <br />For the City's convenience J.P. Morgan has four full service banking center locations <br />within the City of Santa Ana. Santa Ana Main will be the closest location to the City, <br />located at 13oo N. Main Street, Santa Ana, CA 92701. <br />As a business practice, we regularly review branch and ATM activity which may <br />result in branch openings and closings, ATM placement or removal, or in the change <br />of branch bank or ATM functions. Therefore, branch bank and ATM locations and <br />functions may change from time to time. <br />f. Ratings. Bank must provide their most current long -term debt rating ( Moody's, <br />Standard and Poor's, and /or Fitch). <br />J.P. Morgan is routinely rated by industry experts Moody's, Standard & Poor's, and <br />Fitch. Ratings are shown below. <br />These credit ratings are provided for information purposes only. Credit ratings are solely the opinions of the rating <br />agencies. J.P. Morgan does not endorse, and accepts no responsibility for, the credit ratings issued by the rating <br />agencies. Credit ratings may be changed, superseded or withdrawn by the rating agencies at any time. <br />The table below presents capital ratios for JPMorgan Chase Bank, N.A. as of June <br />30, 2o16 and December 31, 2015, under the Basel III Standardized Transitional <br />Approach and represent the Collins Floor. <br />55E -228 J•PMoraan <br />JPMorgan Chase Bank, NA, <br />and Chase Bank USA, <br />N.A. Credit <br />Ratings - 1 <br />October <br />111 <br />�taladacd <br />11 <br />Long -term issuer rating <br />Aa3 <br />A+ <br />AA- <br />Short -term issuer rating <br />P -1 <br />A -t <br />Ft+ <br />Senior unsecured <br />Aa3 <br />A+ <br />AA- <br />Short-term <br />P -1 <br />A -1 <br />Ft+ <br />Subordinated debt <br />At <br />A- <br />A <br />These credit ratings are provided for information purposes only. Credit ratings are solely the opinions of the rating <br />agencies. J.P. Morgan does not endorse, and accepts no responsibility for, the credit ratings issued by the rating <br />agencies. Credit ratings may be changed, superseded or withdrawn by the rating agencies at any time. <br />The table below presents capital ratios for JPMorgan Chase Bank, N.A. as of June <br />30, 2o16 and December 31, 2015, under the Basel III Standardized Transitional <br />Approach and represent the Collins Floor. <br />55E -228 J•PMoraan <br />