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Balances used to offset merchant processing related fees must be kept in a <br />separate DDA as the offered ECR for traditional Treasury Services in the <br />primary depository accounts are at a different rate. Your relationship <br />team will work with you to discuss the City's different account options and <br />determine the most efficient account structure that meets the City's <br />needs. Please note that the ability to offset merchant related fees via <br />account analysis is limited to those incurred through a merchant <br />processing relationship with Chase Commerce Solutions and the City <br />must receive a billing statement directly from Chase Commerce Solutions <br />for the services provided. <br />C. Describe the Bank's position on allowing servicefconvenience fees to <br />be added to credit card transactions. <br />We support the allowance of service /convenience fees that comply with <br />Card Associations roles and regulations. <br />d. Describe your reporting methodology and how adjustments and <br />chargebacks are handled. Are chargebacks and other debit <br />adjustments netted from daily proceeds or debited separately? What <br />is the rebuttal process? <br />We offer the City a full array of processing reports through Resource <br />Online, our proprietary suite of innovative Web -based tools that enables <br />you to quickly and easily access your payment processing data. Resource <br />Online provides access to front -end point -of -sale data, back -end <br />reconciliation data, and more. Access is modular, so we can tailor the <br />reporting tools to meet your needs and to make the most sense for your <br />organization. <br />We debit credit card chargebacks and other debit adjustments during the <br />daily settlement process. We usually debit chargebacks from the client's <br />main operating account and can debit them separately from your daily <br />funding credits. <br />The information can be tied back later using our Resource Online <br />reporting tool. In addition, you can configure the Funds Transfer <br />Instructions (FTI) for chargebacks and adjustments to provide detail for <br />reconciliation. <br />e. Is the Bankcard relationship managed by a separate unit of the Bank, <br />or by the Account Relationship Manager? Please briefly describe the <br />structure of this area. <br />Payments processing and merchant acquiring services are provided <br />through Commerce Solutions within J.P. Morgan's Consumer and <br />Community Banking group. The City's dedicated Client Service <br />Professional will also assist in issues related to merchant card services. <br />Rage 91 J P organ <br />