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Contract - JP Morgan Chase - 4/27/2017THE STATE OF TEXAS § CITY OF ROUND ROCK § COUNTY OF WILLIAMSON § COUNTY OF TRAMS KNOW ALL BY THESE PRESENTS: DEPOSITORY AND BANKING SERVICES CONTRACT This DEPOSITORY AND BANKING SERVICES CONTRACT, hereinafter referred to as "Depository Contract," is made and entered into by and between the City of Round Rock, Texas, a home -rule municipality situated in Williamson County, Texas, hereinafter referred to as "City/Depositor," and JPMorgan Chase Bank, N.A., a national banking association, organized under the laws of the United States and authorized by law to do banking business in Texas and now conducting such business in said state, hereinafter referred to as "Bank." WHEREAS, City/Depositor desires to obtain banking services and a depository for its funds and to provide for those funds the highest level of safety, liquidity, and return while receiving suitable banking services at a reasonable charge; and WHEREAS, Bank is willing to provide such banking services and to act as a depository for City/Depositor's funds while providing full collateral satisfactory to City/Depositor; NOW, THEREFORE, in consideration of the mutual agreements and covenants contained herein, City/Depositor and Bank agree as follows: I BANKING AND DEPOSITORY SERVICES Bank agrees to receive and safely keep any and all public funds offered for deposit by City/Depositor and to reimburse and pay same to City/Depositor, by paying its designated officer or whoever may be lawfully entitled to receive same upon request. Bank agrees to perform 00373154/ss2 f-2� t�--q',5� banking and depository services of the types and for the charges as specified in Exhibit "A" "Pledge and Security Agreement to Collaterali*ze Public Fund Deposits;" Exhibit "B" "Consolidated Service Terms and Global Account Terms;" Exhibit "C" "Federal Reserve Bank Joint Custody Service via FedMalle Request Form;" Exhibit "D" " Pledgee Agreement Form;" Exhibit "E" "City of Round Rock Request for Applications for Depository and Banking Services No. 17-002" (the "City's RFA")il and Exhibit "F" "JPMorgan Chase Bank I s Response to City's RFA dated December 19, 2016," all of which are attached hereto and incorporated herein by reference. Should there be any conflict between the terms of this contract and any of the terms of the documents contained in any exhibit attached hereto, the terms of any administrative rules of Bank, or other agreement between City/Depositor and Bank, the terms of this contract shall be final, controlling, and binding. II TERM, RENEWAL, AND TERMINATION City/Depositor, through appropriate action of its governing body, hereby designates Bank as a depository for the period beginning June 1, 2017 and continuing through May 31, 2022, and this contract shall remain in full force and effect for such stated period of live (5) years. However, this contract maybe extended by mutual agreement of City/Depositor and Bank, to remain in full force and effect for a period not to exceed any period allowed by City/Depositor's Investment Policy. Such period shall be mutually agreed to in writ41 ing by the parties to this contract. Either City/Depositor or Bank shall have the right to terminate this contract prior to the expiration date by advance written notice to the other of its election to do so, and this contract shall be void from and after the expiration of ninety (90) days after the receipt of such notice, provided that all provisions of this agreement have been fulfilled. �J III DESIGNATION OF TRUSTEE City/Depositor and Bank, by execution of this contract, hereby designate the Federal Reserve Bank, hereinafter referred to as "Trustee", to hold in trust, according to the terms and conditions of this Depository and Banking Services Contract and the attached "Pledge and Security Agreement to Collateralize Public Funds" the collateral and substitute collateral described under said agreements. IV DESIGNATED OFFICERS) During the term of this contract, City/Depositor will, through appropriate action of its governing body, designate the officer or officers who singly or jointly will be authorized to represent and act on behalf of City/Depositor in any and all matters of every kind arising under this contract and to (a) execute and deliver to Bank "Federal Reserve [Bank Joint Custody Service via FedMail\a/ Request Form" (including user documentation and set-up florms) covering electronic funds transfers and other treasury management services, and such other documents as agreed to by the City/Depositor and Bank (b) appoint and designate, from time to time, a person or persons who may request withdrawals, orders for payment or transfers on behalf of City/Depositor in accordance with the electronic fund or funds transfer agreement and addenda, and (c) make withdrawals or transfers by written instrument. The City Manager and/or the Chief Financial Officer shall be, either jointly or individually, the designated officer to serve as the primary liaison between City/Depositor and Bank and, as the designated officer, may exercise the powers and duties as authorized by applicable law. 3 V COMPENSATION Bank will be compensated for any and all services rendered to City/Depositor under this contract. Bank agrees to be paid (a) by fee or (b) to offset monthly service fees against its customary earnings credit for balances in City/Depositor's non -interest bearing transaction accounts; provided, however, that if there is insufficient earnings credit against which such flees may be offset, City/Depositor will be charged for such services monthly. Banks Response shall be applicable VI COLLATERAL SECURITY Fees set by Bank in All funds on deposit with Bank to the credit of City/Depositor shall be secured by collateral as provided for in the Public Funds Collateral Act of 1989 (Chapter 2257 of the Texas Government Code, as amended) and further described by the City's RFA. The total market value of the Is collateral (which includes accrued interest or income to the extent it is not included in the market price) securing such deposits will be in an amount at least 102")/i®r of the amount of such deposits plus the amount of any accrued interest thereon and less the amount that such deposits are insured by an agency or instrumentality of the United States government. The entity will inform the Bank of changes in the amount or activity of deposits, that may exceed the entity's current collateral 40 value, within a reasonable time before the change occurs. The market value with respect to any securities (collateral) as of any date and priced on such date will be obtained from a third -party agent. 4 VII COLLATERAL TO TRUSTEE Bank has heretofore or will promptly hereafter deliver to Trustee collateral of the kind and character above mentioned of sufficient amount and market value to provide 102% collateral for the funds of City/Depositor deposited with Bank. Said collateral or substitute collateral, as hereinafter provided for, shall be kept and retained by Trustee in trust so long as the depository relationship between City/Depositor and Batik shall exist hereunder, and thereafter so long as deposits made by Cty/Depositoriwith , or any portion thereof, shall have not been properly paid out by Bank to City/Depositor or on its order. VIII CURE OF FAILURE OR BREACHL--ANID SURRENDER OF COLLATERAL FOR SALE Should Bank fail at any time to pay and satisfy, when due, any check, draft, or voucher lawfully drawn against any deposit and the interest on such deposits or in any manner breach its contract with City/Depositor, then City/Depositor shall give written notice of such failure or breach to Bank, and Bank shall have ten (10) business days to cure such failure or breach. In the event Bank shall fail to cure such failure or breach within ten (10) business days or should Bank be declared insolvent by a Federal bank regulatory agency, it shall be the duty of Trustee, upon demand of City/Depositor (supported by proper evidence of any of the above -listed circumstances), to surrender the above -described collateral to Citjjjq��i/Depositor. City/Depositor may sell all or any part of such collateral. Out of the proceeds thereof, City may deduct its actual damages and reasonable costs and expenses incurred as a result of the Bank's default, remitting to Batik, its receiver or conservator the remainder, 1"f any, of such sale proceeds. 5 IX NOTICE OF SALE OF COLLATERAL Any sale of such collateral, or any part thereof, made by City/Depositor hereunder may be either at public or private sale; provided, however, it shall give to both Trustee and Bank at least three (3) business days' notice of the time and place where such sale shall take place, and such sale shall be to the highest bidder therefor for cash. bid at such sale. City/Depositor and Bank shall have the right to x SUBSTITUTION OF SECURITIES If Bank shall desire to sell or otherwise dispose of any one or more of said securities so deposited with Trustee, it may substitute for any one or more of such securities with other securities of the same market value and of the character authorized herein. Such right of substitution shall remain in full force and may be exercised by Bank as often as it may desire; provided, however, that the aggregate market value of all collateral pledged hereunder, shall be at least equal to the amount of collateral required hereunder. Collateral may be substituted or released only with the written authorization of a City investment officer. If at any time the aggregate market value of such collateral so deposited with Trustee be less than the total sum of City/Depositor's funds on deposit with said Bank, then Bank shall promptly deposit with Trustee such additional collateral as is necessary to cause the market value of such collateral to equal the total amount of required collateral. Bank shall be entitled to income on securities held by Trustee, and Trustee may dispose of such income as directed by Bank without approval of City/Depositor. l$I XI MONTHLY COLLATERAL --REPORT Bank will provide to City/Depositor a monthly collateral report, which currently lists the pledged security (description, maturity and rate), original par, current par and market value. XII REDELIVERY OF COLLATERAL, If at any time the collateral in the hands of Trustee shall have a market value in excess of the sum of balances due City/Depositor by Bank, City/Depositor shall authorize the wihdratwal of a specified amount of collateral, Trustee shall deliver this amount of collateral (and n more) to Bank, taking its receipt therefor, and Trustee shall have no further liability for collateral so redelivered to Bank. XIII CLOSE-OUT When the relationship of City/Depositor and Bank shall have ceased to exist between City/Depositor and Bank, and when Batik shall have properly paid out all deposits of City/Depositor, it shall be the duty of City/Depositor to give Trustee certificate to that effect; whereupon Trustee shall, with the approval of City/Depositor, redeliver to Bank all collateral then in its possession belonging to Batik, taking its receipt therefor. An order in writing to said Trustee by City/Depositor and a receipt for such collateral by Bank shall be a full and final release of Trustee of all duties and obligations undertaken by it by virtue of these presents. 7 XIV INVESTMENT POLICY It 1*s the intention of the parties hereto that City/Depositor shall retain full rights to invest its funds with the City of Round Rock Comprehensive Investment Policy as adopted by the City Council of the City of Round Rock, Texas, and consistent with other applicable laws. XV NEW SERVICES City/Depositor may negotiate new services with Bank as deemed necessary by City/Depositor. The interest rate to be earned, as well as the other terms and conditions regarding the service, will be mutually agreed upon by City/Depositor and Bank. Any such new service 41 agreement will be executed in writing as an addendum to this contract. XVI SEVERABILITY If any term or provision of this contract is held to be illegal or invalid, such illegality or invalidity shall not affect the remaining provisions of the contract, which remaining provisions shall remain in full force and effect as if this contract had been executed with the illegal or invalid portion thereof eliminated. It is hereby declared the intention of the parties that they would have executed the remaining portion of this contract without including any such term, provision, part, parts, or portions which may, for any reason, be hereafter declared illegal or invalid. 8 XVII INDEMNIFICATION Bank agrees that 1*t will use an "ordinary care" standard of care imposed upon banks under the Uniform Commercial Code" and diligence in all of its activities and operations authorized under this contract. Bank shall be liable to City/Depositor only for actual damages incurred as a direct result of Bank's failure to exercise ordinary care under this contract. In no event will Bank be liable for any indirect, consequential or punitive loss, damage, cost or expense of any nature (even if advised of the possibility of such loss, damage, cost or expense) including, without limitation, any economic loss or damage, expense and loss of business, profits or revenue, goodwill and anticipated savings, loss of or corruption to City/Depositor's data, loss of operation time or loss of contracts. Notwithstanding anything to the contrary in this contract, Bank's indemnification obligations shall not exceed an amount, in the aggregate, over the term of the 40 contract, an amount that exceeds one (1) times the average annual revenues received by Bank from the City/Depositor under the contract. Bank will not be responsible for the acts or omissions of City/Depositor or its officers, employees or agents (including but not limited to the amount, accuracy, timeliness or authorization of any instructions or information from City/Depositor) or the acts or omissions of any other person or entity including, but not limited to, any clearing house association or processor, any U.S. Federal Reserve Bank or any other country's central bank, any other financial institution or any supplier, and no such person or entity will be deemed to be Bank's agent. Bank will not be liable for and will be excused from any failure or delay i"n performing Bank's obligations under this contract if such failure or delay i*s caused by force ma V"eure circumstances beyond control, including natural disasters such as earthquakes or floods, emergency conditions such as war, riot, fire, theft or labor dispute, legal constraint or governmental hJ action or inaction, or City/Depositor's act, omission, negligence or fault. Bank will not be liable for any failure to act on Bank's part if Bank's representatives had a reasonable basis to believe and did believe that Bank's actions would have violated any law, rule or regulation. City/Depositor indemnifies and holds Bank harmless, and agrees to defend, from and against any and all liabilities, claims, costs, expenses and damages of any nature arising out of or relating to disputes or legal actions by parties other than Bank and City/Depositor concerning this contract. The obligations contained herein shall survive the terminat'S ion of this contract. No indemnification herein shall apply to any costs or damages attributable to Bank's gl�loss negligence or intentional misconduct. XVIII NON -WAIVER Failure of either party hereto to insist on the strict performance of any of the provisions herein or to exercise any rights or remedies accruing hereunder upon default or failure of performance shall not be considered a waiver of the right to insist on and to enforce by any appropriate remedy strict compliance with any other obligation hereunder or to exercise any right or remedy accruing as a result of any future default or failure of performance. XIX CONFIDENTIALITY All data relating to City/Depository's business provided to Bank by City/Depository will be treated confidentially and safeguarded by Bank, using the same care and discretion that it uses with data that Bank desi"gnates as confidential, and Bank shall slafeguard all funds and investmen ts ��J of City/Depository while such funds or investments are in the possession of or under the control of Bank. XX CAPTIONS The captions of this contract are for information purposes only and shall not in any way affect the substantive terms and conditions of this contract. XXI RESERVATION Pursuant to Chapter 105 of the Texas Local Government Code, City/Depositor reserves the right to, contract with other depositories for the deposit or investment of a portion of available public funds of City. NON -ASSIGNMENT This contract shall extend to and be binding upon the parties and their respective successors 10 and assignees; provided, however, that the contract may not be assigned without the written Is consent of both parties. Notwithstanding anything to the contrary herein, Bank may not assign its rights and duties under an award without the written consent of City/Depositor; provided, however, that Bank may assign this contract without the prior written authorization of City/Depositor to a successor of interest in connection with a merger, reorganization, consolidation or a disposition of a particular business to which this contract relates, and may assign this contract to an affiliate or subsidiary. I I In the event of an assignment, Bank shall notify City/Depositor within thirty (30) days of the execution of the assignment and City/Depositor shall have the right to terminate this contract without the required notice provided for in this contract. CONFORMANCE TO LAWS This contract and all of the transactions contemplated herein shall be governed by and construed in accordance with the laws of the State of Texas, including all applicable constitutional 40 provisions, statutes, charter provisions, ordinances, and resolutions. Bank agrees to fully comply with all applicable laws, including but not limited to the Texas Municipal Depository Law, TEX, LOC. GOV'T CODE ANN. sec. 105.001 et seq., as amended, the Public Funds Investment Act, TEX. GOV'T CODE ANN. sec. 2256.001 et seq., as amended, and the Public Funds Collateral Act, TEX,, GOV'T CODE ANN. sec. 2257.001 et seq., as amended. Notwithstanding anything to the contrary herein, Bank agrees to comply with all Federal, State and local laws that are applicable to Bank in performance of the services described in this contract. VENUE Pursuant to Chapter 105 of the Texas Local Government Code, venue andiurisdl*ction of any suit or right or cause of action arising under or in connection with this contract shall be exclusively in Williamson County, Texas, and any court of competent jurisdiction shall interpret this contract in accordance with the laws of the State of Texas. 12 RELATIONSHIP OF PARTIES Nothing contained in this contract shall be deemed or construed by the parties hereto or any other third party to create the relationship of principal and agent, partnership, joint venture, or of any other association whatsoever between the parties, it being expressly understood and agreed that no provision contained in this contract nor any act or acts of the parties hereto shall be deemed to create any relationship between the parties other than the relationship of City and Depository Bank as those terms are understood herein. Executed in multiple originals on this the day of the month of April, 2017, by the undersigned duly authorized officers of the parties hereto. FOR DEPOSITORY BANK B y. Printed Name: ( tr op ( I OaO�2(,� Title Date Signed: G--or't ., t--7 FOR DEPO TOR: By: FOR CITY, ATTEST: Sara L. White, City'Clerk A TY, APPR VED AS TO FORM: Stephan . Sheets, City Attorney 13 r bi Exhit " A " LT AffimpmoufflL LLjwkTERAL1ZE PUBLIC FUND DEPOSITS THIS PLEDGE AND SECURITY AGREEMENT ("Agreement') is entered into as of 20_, by and between "Customer"), and JPMorgan Chase Bank, N.A. (the "Bank"). RECITALS V1.0 92 14 15 usam (the A. The Customer has designated the Bank as depository for certain of its funds and from time to time the Customer may make deposits of public funds with the Bank, and the Bank has agreed to act as the depository of those public funds; and B. Although such deposits are generally eligible for Federal Deposit Insurance Corporation ("FDIC") insurance coverage, such coverage is limited to a maximum deposit insurance amount as described in applicable law; and C. In consideration of and to secure the deposits made by the Customer with the Bank, the Customer and the Bank desire to enter this Agreement granting the Customer a security interest in certain Collateral (hereinafter defined) to secure the deposited public funds in accordance with applicable law. NOW, THEREFORE, in consideration of the mutual agreements set forth hereafter and for other good and valuable consideration, the parties agree as follows: 1. PUBLIC FUNDS. The deposits subject to this Agreement, hereinafter referred to as "Public Funds", are the deposited public funds of the Customer held in accounts at the Bank, inclusive of accrued interest. 2. GRANT OF SECURITY INTEREST. To secure the Public Funds, the Bank hereby grants to the Customer a security interest in, and assigns and pledges to the Customer certain collateral of the type permitted under applicable law (including, without limitation, securities and letters of credit) hereinafter referred to as the "Collateral", inclusive of instruments in substitution for or in addition to any or all of the then existing Collateral. 3. LOCATION OF COLLATERAL. The Bank agrees to deliver and place the Collateral with the Federal Reserve Bank as a book entry item for the benefit of the Customer, and the Customer consents to the use of such custodian, hereinafter referred to as the "Custodian". The Customer shall provide such documents or other information as the Custodian may reasonably require to establish an account. Until such documentation is received the Bank shall pledge Collateral to its account at the Custodian in the name of the Customer as shown on Bank's books and records. If a letter of credit is included in the Collateral, the Customer or its agent shall be named as the beneficiary thereof, and acceptance and approval by the Customer of such letter of credit shall be evidenced by the beneficiary's receipt of the letter of credit. 4. BANK REPRESENTATIONS AND WARRANTIES. The Bank further represents and warrants, as follows: a) The Bank is a national banking association organized under the laws of the United States and has full power and authority to enter into this Agreement. b) The Collateral is free and clear of all liens and claims, pledged pursuant to this Agreement, and, except to the extent that the Collateral is comprised of letters of credit, the Bank is the legal owner of the Collateral. c) The Bank agrees that the total aggregate market value of the Collateral pledged to the Customer, pursuant to this Agreement, shall be in an amount not less than the amount described in applicable law, and if no amount is described will be in an amount not less than the Public Funds which exceed the sum of FDIC and any other such applicable insurance coverage (the "Collateral Ratio"). The Bank utilizes an independent, third -party pricing information service in order to provide market values hereunder. The market value of the letter of credit shall be deemed to equal the undrawn balance of the face amount thereof. The Customer shall notify Bank in advance of anticipated and significant increases in, or withdrawals or payments from, the Customer's deposits, at which time Bank will pledge additional Collateral or seek the release of excess Collateral, as applicable. The Bank will monitor the market value of pledged Collateral on business days and pledge and deliver Collateral as needed to maintain the Collateral Ratio or as otherwise instructed or agreed to by the parties. d) If the aggregate market value of pledged Collateral exceeds the Collateral Ratio, the Bank may withdraw such excess Collateral provided that following the withdrawal of any such excess Collateral the remaining Collateral would equal or exceed the Collateral Ratio. In addition, the Bank may substitute Collateral for such Collateral previously provided pursuant to this Agreement; provided, however, that the aggregate market value of all pledged Collateral hereunder following such substitution shall equal or exceed the Collateral Ratio. The Customer agrees, if needed, to promptly furnish the Custodian with any needed withdrawal approval. e) The Bank shall be entitled to income and other payments on the pledged Collateral held by the Custodian, and the Custodian may provide such income and other payments as directed by the Bank, provided an event of default under this Agreement does not exist. fl The Bank shall furnish to the Customer or its agent a collateral statement which lists the pledged Collateral and market value thereof, with such frequency as described in applicable law, or monthly, if not otherwise provided by law. g) The Bank's Board of Directors has passed a resolution authorizing and approving the execution and delivery of contracts with the United States, individual states, and any political subdivisions thereof, the District of Columbia, possessions and territories of the United States and Page 1 of 4 Exhibit "A" Indian Tribes or agencies thereof having official custody of tribal funds ("Public Units") providing for the deposit of public funds with the Bank and the pledge of collateral by the Bank to the Public Units or their agents and further authorizing and approving the Bank's execution and delivery of all related contracts between the Public Units or their agents and the Bank, including without limitation, assignments, pledge agreements and security agreements. Such resolution is reflected in the minutes of the Bank's Board of Directors. h) This Agreement will continuously, from the time of its execution, remain part of the official records of the Bank. 5. EVENTS OF BANK DEFAULT. The Bank shall be in default under this Agreement upon the occurrence of any one or more of the following events or conditions. For clause a) only, an event of default will occur ten (10) business days after the Customer has provided the Bank with a notice generally describing said default. a) The Bank shall, without cause, refuse to pay to the Customer the Public Funds when due. b) The Bank has been closed, seized or declared insolvent by a federal regulator having jurisdiction over the Bank. c) The Bank has had a receiver, conservator or other such official appointed to conduct the affairs of the Bank. 6. RIGHT OF CUSTOMER UPON BANK'S DEFAULT. In the event of a Bank default, in addition to all the rights and remedies provided in Article 9 of the Uniform Commercial Code and any other applicable law pursuant to which the Customer is a secured party, the Public Funds shall become due and payable and the Customer or its agent will have the right to: (a) in the case of Collateral that are securities, demand delivery of the Collateral and liquidate same, or sell, assign and deliver the whole, or any part of the Collateral or any substitutes thereof or additions thereto, in a commercially reasonable manner and with a right to purchase the Collateral at public or private sale; or (b) in the case of Collateral consisting of a letter of credit, draw upon such letter of credit in the amount necessary to cover the Public Funds. The Customer shall apply the proceeds of the sale of Collateral, net of its reasonable costs and expenses incurred in such sale, and the amount paid on the letter of credit, if any, to the Public Funds in a corresponding amount. If applicable, the Customer or its agent shall remit to Bank, its receiver or conservator the remainder, if any, of such sale proceeds or Collateral remaining unsold or unused. Should the Customer obtain Collateral or, in the case of a letter of credit, draw upon such letter of credit, when the Bank is not in default as described in Section 5, the Bank may exercise any rights available to it under law and following such sale of Collateral or draw upon the letter of credit and payment thereon by the issuer, the Public Funds may be correspondingly reduced by the amount of the sales proceeds less the value of returned Collateral, if any, or, in the case of letter of credit draws, the amount paid under the letter of credit. 7. CUSTOMER REPRESENTATIONS AND WARRANTIES. The Customer further represents and warrants, which representations and warranties shall be deemed to be continuing, as follows: a) The Customer has full power and authority to enter into this Agreement. b) This Agreement has been legally and validly entered into, does not and will not violate any law or regulation applicable to it, and is enforceable against the Customer in accordance with its terms. c) The Bank has been designated a depository for the Customer's funds in the manner required by applicable law. d) The Customer will comply with the applicable account agreements it may have with the Bank which govern the Public Funds. e) The Customer or its agent shall promptly respond to requests by the Bank to release Collateral, up to the amount that the aggregate market value thereof exceeds the Collateral Ratio (the "Release Amount"). If the Customer fails to provide Bank or Custodian its written consent to release of the Collateral in the Release Amount within ten (10) business days after Bank's request, Bank will have the right to charge the Customer an excess collateral fee at a rate determined by the Bank at the time the Bank requested the release, based on all unreleased Collateral covered by the Release Amount. fl All acts, conditions, and things required to exist, happen or to be performed on its part precedent to and in the execution and delivery of the Agreement exist or have happened or have been performed. 8. LAW GOVERNING. This Agreement and the rights and obligations of the parties hereunder, shall be construed and interpreted in accordance with the laws of the State of ,without regard to its conflicts of laws principles. The Customer and Bank consent to jurisdiction of a state or federal court located in such state in connection with a dispute arising hereunder. 9. TERMINATION OF THE AGREEMENT. This Agreement shall continue in full force and effect for as long as the Bank holds the Customer's Public Funds that are required to be collateralized under applicable law. Notwithstanding the foregoing, the Customer or the Bank may terminate this Agreement by giving at least thirty (30) days written notice of termination to the other party. Such notice shall not affect or terminate the Customer's security interest in the Collateral, or entitlement to draw upon any unexpired letter of credits that comprise the Collateral and the rights and liabilities of the parties under this Agreement shall survive any termination of the Agreement until all Public Funds have been satisfied in full and Collateral returned. Page 2 of 4 Exhibit VA" 10. MISCELLANEOUS. a) All notices and other communications shall be sent to the: CUSTOMER: Name: Address: City/State: Attn: BANK: Name: JPMorgan Chase Bank, N.A. Address: City/State: Attn: Government Banking With a copy to: Name: JPMorgan Chase Bank, N.A. Address: 1111 Polaris Parkway, Mail Code: OH 1-0 138 City/State: Columbus, Ohio 43240 Attn: National Collateral Management Group or such other address as shall be designated by a party to the other party. b) This Agreement and all rights and liabilities hereunder and in and to any and all Collateral shall inure to the benefit of the Customer and the Bank and their respective permitted successors and assigns, subject to any limitations upon assignability contained within letters of credit that may comprise the Collateral. No portion of this Agreement may be assigned without the express written consent of the other party. c) The Public Funds are subject to the applicable account agreements in effect from time to time. d) It is the express purpose of this Agreement to comply with the provisions of applicable law, including 12 USC 1823(e). e) This Agreement 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. fl In the event that any provision or clause of this Agreement conflicts with applicable law, such conflict shall not affect other provisions of this Agreement, which shall be given effect without the conflicting provision. To this end the provisions of this Agreement are declared to be severable. [Signature page follows] Page 3 of 4 Exhibit " A " IN WITNESS WHEREOF the parties have signed this Agreement as of this day and year first above written. CUSTOMER: By: Name: Title: BANK: JPMorgan Chase Bank, N.A. By: Name: Title: Page 4 of 4 Exhib16 it it B it Document Checklist I JPMORGAN CHASE BANK, N.A. 07 February 2017 CITY OF ROUND ROCK 221 E MAIN ST ROUND ROCK, USA TX 786645271 Thank you for choosing JPMorgan Chase for your banking needs. Below is a list of documents contained in this package that pertain to the products and/or services you have requested, with instructions for each document. In striving to deliver best -in -class service, we encourage you to complete and return any of the attached documentation requiring signature within 5 business days from the day you receive this package. Please let us know if there is any way we can assist you. We understand that on occasion this timeline cannot be met due to other priorities, the complexity of requirements, and/or the availability of authorized signatories. In such cases we kindly ask that you advise us when we can anticipate receipt of the documentation or if there is any additional support we can provide. Timely receipt of the documents enables us to better complete your request in the desired timeframe. For your protection, where documents in this package are being sent as e-mail attachments and have been pre -filled, the account and/or SSN/TIN number has been truncated to the last 4 digits, or the documents have been encrypted and may require a password to open. We at JPMorgan Chase are fully committed to meeting your banking needs. We are happy to answer any questions you may have regarding the attached documents. If you need assistance, please do not hesitate to call. Kind regards, Maria Arreola 17132160260 Maria.Arreola@jpmorgan.com 'Docume... nt Name lD . ..... .. .. .. ....... .... .. .. .... .. . . . ....... .. ............... ......... .. . .... .................... .. .I .. .... . ...... .. ......... ... ....... . . . .............. ... -.I -..-.-.- .­....­ ............... ....... .......... ..... .. .... . .....'....Instruc.... tion. . . . s....'.... ......... ........................ ....... ......... .. ................................................... � Consolidated Service Terms for.... ..... .... ............................................. .. .. ... .. ............ ....... ........ . ........ .......... .... . ..... .. ... ... 1 For reference only Commercial Bank and Dealer Commercial Services I Global Account Terms 12 I For reference only Global Account Terms - US Addendum For reference only PN: 1329506 Page 1 of 40 Exhibit "B" V4.4 10 13 16 -aftl2ahn- so -nigmah, Mft 'M '&W IVOR ARW J.P. argan Chase pravides an array of treasury services to meet your business needs,, This booklet contains important in#ormatian about J.P. Morgan Chase solutions that we provide. If you would 19 like to add a service that- is covered in this booklet, please contact 11 your Commercial Banking Representative TREASURY SERVICES (United States) Commercial Bank PN: 1329506 DOC ID: 1 Page 2 of 40 Exhibit "B" This booklet includes Treasury Services Service Terms applicable to all Commercial Banking customers. All Service Terms are subject to the Bank's Account Terms. Any Booklet,to this includingbut not limited to any changes, amendments, deletions, and/or additions, will not be binding upon the Bank unless such modifications are acknowledged and a9reed to it writin9 by an officer of JPMorn,,an Chase, We look forward to serving business needs and thank You again for choosingChase. SERVICES FOR COMMERCIAL BANKING CUSTOMERS A. ACH Origination Be ACH Debit Block and Transaction Review C. Lockbox D. Coin &Currency En Positive Pay, Reverse Positive Pay &Payee F. Controlled Disbursement G. Image Cash Letter He Image Deposit Direct I. Check Print J. ACH Tax Payment Service Terms K. Client Access Verification PN: 1329506 DOC ID: 1 Page 3 of 40 Exhibit B" 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 Se*rvice rms Co'nsol'ildatedS TermsoO A. ACH Origination The Automated Clearing House (ACH) is a batch processing payment system that U.S. banks use to exchange and settle credit and debit transactions on behalf of their clients or themselves. The origination of ACH Entries and the transmission and issuance of related transactions and information will be pursuant to these terms and the Operating Rules and Guidelines (collectively the "Rules") of the National Automated Clearing House Association. Capitalized terms used in this subpart, unless otherwise defined in this subpart shall have the same meanings as set forth in the Rules. The Customer and the Bank agree to comply with and be bound by the Rules as in effect from time to time, including without limitation, the provision making payment of a Credit Entry by an RDFI to the Receiver provisional until receipt by the RDFI of final settlement for such Credit Entry and the Customer acknowledges that it has received notice of such rule and of the fact that if such settlement is not received, the RDFI will be entitled to a refund from the Receiver of the amount credited and the Customer will not be deemed to have paid the Receiver the amount of such Credit Entry. I . 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. 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 PN: 1329506 DOC ID: 1 Page 4 of 40 Exhibit fB" • 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 te s 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. Third Party Sender. If Customer is a Third Party Sender, as such term is hereafter defined, (a) Customer warrants that the Originator has agreed to be bound by the Rules and has satisfied the obligations of an Originator under the Rules; (b) in any case where the Originator fails to perform its obligations under the Rules as an Originator, Customer shall indemnify, defend and hold Bank harmless from and against any and all claims, demands, losses, liabilities and expenses, including attorneys' fees and costs, that result directly or indirectly from the failure of the Originator to perform its obligations as an Originator under the Rules; (c) Customer agrees to cooperate with Bank regarding any request for information concerning the identity of any Originator; and (d) Customer represents, warrants and covenants that neither these Service Terms nor anything related to the ACH Origination Services violates, contravenes or is inconsistent with any of the terms, conditions or provisions of any PN: 1329506 DOC ID: 1 Page 5 of 40 Exhibit "B" agreement, understanding or arrangement between Customer and the Originator. Further, Bank will rely on Customer to evaluate the legitimacy of the Originators and their transactions originated by Customer and for ensuring that instructions do not involve illegal activities. Customer must notify Bank immediately if Customer suspects or become aware of any activity or transaction of an Originator that Customer believes may be of an illegal or illegitimate nature or that involves the proceeds of illegal activity or that was conducted, in part or whole, for the purpose of disguising the source of funds. Bank will be entitled at any time upon notice to Customer to decline to provide the ACH Origination Services, or terminate the provision of ACH Origination Services, for any Originator on whose behalf are originating Entries if Bank determines that there are excessive returns or reversals of Entries originated on behalf of such Originator or if Bank becomes aware of any information indicating suspicious, fraudulent or illegal activity related to such Originator or for any other reason. As used herein, "Third Party Sender" means an entity that is not an Originator, that has authorized an ODFI or another Third Party Sender to transmit, for the account of the Third Party Sender or another Third Party Sender, (i) a credit entry to the account of a Receiver in order to effect a payment from the Originator (i.e., the third party on whose behalf the Third Party Sender is transmitting the entry) to the Receiver, or (ii) a debit entry to the account of a Receiver in order to effect a payment from the Receiver to the Originator (i.e., the third party on whose behalf the Third Party Sender is transmitting the entry). Without limitation of the foregoing, Third Party Senders include U.S. regulated financial institutions, brokers and other financial intermediaries as well as any other regulated or unregulated payment processors that are customers of the Bank and use their accounts to process payments for third parties (including affiliates of the Customer). 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 9 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. 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. B. ACH Debit Block & ACH Transaction Review ACH Debit Block is a Service that allows a customer to return ACH debit 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. ACH Debit Blocks, (a) Service. The Customer can select from a variety of authorization or blocking criteria and advise the Bank in a manner and form acceptable to the Bank. The Bank will return any blocked transaction indicating that the ACH debit was not authorized. (b) Company ID Numbers. If the Customer elects an option that blocks or allows ACH debits from specified companies, the Customer must supply the Bank with the applicable ACH Company I D Number of the Originator as it appears on the Company/Batch Header Record. The Company ID Number will be the sole criterion for blocking Debit 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. The Customer will be solely responsible for obtaining the correct Company ID Number for each such Originator. The Customer understands that Company ID Numbers are not unique and that a Company ID Number may identify more than one Originator and one Originator may have multiple Company ID Numbers. The Customer understands that Company ID Numbers are not a perfect filter and that transactions from Originators may be blocked or allowed if the Originator uses a Company ID Number other than the PN: 1329506 DOC ID: 1 Page 6 of 40 Exhibit "B" one Customer identifies. The Bank will not be responsible for transactions blocked or allowed in accordance with the instructions the Customer provides for the Company ID Number. (c) Debits Not Affected by Blocking. ACH debit blocks do not apply to certain transactions. The following types of ACH-related debits will not be blocked: • debits to the Customer's account to offset any ACH credit Entries originated by the Customer through Bank; • reversals of previously received ACH credit Entries; • returns or reversals by the RDFI of ACH Debit Entries originated by the Customer through the Bank; • Reclamation Entries; • debits to the Customer's account initiated by the Bank or Bank's agent to correct processing errors, effect back valuations, make other adjustments or for fees, charges or other amounts the Customer owes the Bank; and • debits 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. 2. ACH Transaction Review. (a) The Customer shall use filter criteria available through the service to select the types or categories of incoming ACH debit and/or credit transactions to be reviewed or the Customer may elect to review all incoming ACH transactions subject to Section 2(d) below. (b) Based upon the filter criteria selected by the Customer, ACH transactions meeting that criteria will be made available for the 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 the Bank for each Entry will include account number, dollar amount, company ID, receiver's name, standard entry class code and settlement date. (c) The Customer shall advise the Bank by means of an agreed upon transmission method not later than the Bank's designated cutoff time on the same day as transaction information is made available for those transactions, if any, that are unauthorized and that the Customer wishes to return. The Bank is entitled to rely on any instructions that it receives and that it reasonably believes to be genuine. The 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 the Customer as to which Bank does not receive a timely return instruction from the Customer will remain posted. (d) The following types of ACH transactions will not be made available for the Customer's review and decisioning: • debits or credits to the Customer's account to offset any ACH Entries originated by the Customer through the Bank; • reversals of previously received ACH Entries; • returns or reversals by the RDFI of ACH Entries originated by the Customer through the Bank; • Reclamation Entries; • debits or credits to the Customer's account initiated by the Bank or Bank's agent to correct processing errors, effect back valuations, make other adjustments, or to comply with legal requirements or for fees or charges the Customer owes the Bank; and • if the Customer is also subscribing to the ACH Debit Block service, any transactions blocked and returned pursuant to that service. (e) 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. C. Lockbox Lockbox is a remittance processing Service offered to customers to support their accounts receivables business needs. Through this service, 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. Service. The Bank will maintain the Post Office Box for the Customer's remittances and will have unrestricted and exclusive access to the Post Once Box while providing the Lockbox Service. Customers requiring Caller Service or Business Reply Mail Service for remittance collection must obtain prior approval from the Bank. Upon approval, the Customer will secure such services directly with the United States Postal Service (the "LISPS") 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 LISPS for such services or any other action taken or not taken by LISPS. The Bank may direct clients to include specific codes or formats within their assigned address in order to ensure mail is identified correctly. The Customer is responsible for ensuring their customers' remittances are properly addressed in order to prevent delays in processing. PN: 1329506 DOC ID: 1 Page 7 of 40 Exhibit ][I" 2. DepOSlt; Endorsement. The Bank will collect all mail delivered to the designated Post Office Box, and will open the mail, process the checks eligible for this service (the "Items") and credit the funds 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 the Customer has provided proper authorization to process for credit or collection of such Items; and iv) any other matter or merchandise received. 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 shall be liable to the Bank as a general endorser on all Items processed by the Bank. 3. Differing Amounts. 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. 4. Foreign Items. This 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 Customer as unprocessable. 5. Returned Items; Re -presentment. If any Item is 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. 6. 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 a CD-ROM is received, or 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. 7. Image Option. If the Customer elects and this image option is available at the designated Bank processing location, the Bank will provide images of the Items ("Imaged Items") received together with images of related documents ("Imaged Documents"), through the media ("Delivery Media") and at the intervals agreed upon between the Bank and the Customer. The Customer may receive additional service material, including user guides, software licenses and other terms in connection with the selection of this option. 8. 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 14 days. All original documents will be destroyed 14 days after processing. If the Customer uses the Bank's Regional Retail Lockbox product, associated original documents are retained on site no longer than 7 days. 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 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 via daily Direct Image Transmission. 9. 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. 10. Disclosures. As between the Customer and the Customer's clients, if applicable, certain payments collected hereunder may b bject 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 Customer's responsibilities under applicable laws and regulations. The Customer further acknowledges and agrees that the data processed by the Bank belongs to the Customer or the Customer's clients. PN: 1329506 DOC ID: 1 Page 8 of 40 Exhibit "B" D. 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. 1. Cash Orders 1.1. Placement of Cash Orders. The Customer may issue written instructions for 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 may be transmitted to the Bank only during such times 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 set forth in the Cash Order. 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 or to debit the designated account even if such debit causes an overdraft, or to debit any other account of the Customer at the Bank. 1.2. Cash Order Limits. The Bank and the Customer may agree to limit the amount of Cash that may be delivered pursuant to a Cash Order ("Cash Limit"). 1.3. 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 Fo . 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 refuse or receive an adjustment after such time period. 1.4. 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. 1.5. Notice of Rejection/Execution. If the Bank rejects a Cash Order request, it will promptly notify the Customer of the reason. 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. 1.6. Security Procedure. The Bank must receive a Cash Order using atouch-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 that identify the Customer and the location (collectively, "Codes"). The Customer agrees that use of the Codes constitutes a security procedure for verifying the authenticity of the Cash Order as being that of the Customer ("Security Procedure")... The Customer and the 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. 1.7. Geographical Limitations. 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. 2. Cash Deposits 2.1. 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 to the Customer. 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 Customer's Courier, 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. PN: 1329506 DOC ID: 1 Page 9 of 40 Exhibit it B" 2.2. Deposit Presentment and Processing for Standard Courier Service. With regard to deposits delivered to one of the Bank's vault locations, the Customer's Courier 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 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 the Customer 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 in the Customer's, deposit slip. This receipt is not an acknowledgment of the contents of any bag. 2.3. Courier Service through the use of a Smart Safe. 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 with regard to machines that will hold Cash that are physically located in the Customer's locations (" smart safes"). 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 place only Cash in the smart safes which will be maintained by the Customer's Courier. The Customer's Courier is authorized to transmit the Cash information 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 and at the Customer's expense. 2.4. Deposit Presentment and Processing through the use of a Smart Safe. The Customer agrees that once the Cash is in the smart safe, 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 smart safe 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. 2.5. 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 or the receipt provided to the Customer or its Courier upon initial presentment, the count will be recounted. The Bank's dete ination and records as to its receipt of any bag and as to the contents of any bag is conclusive and binding on the Customer, and the Bank may correct any credit made to the Customer's account. The Bank will notify the Customer's representative designated in the service implementation questionnaire if the difference is more than the minimum amount specified in the Bank's guidelines. All Cash Orders 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 888-872-0517 to request a Cash Order Claim Form. The completed form and proper documentation must be postmarked within 48 hours of receipt of the Cash Order. Any claims postmarked after the 48-hour period will be denied and Customer will have no right to request or receive an adjustment after such time period. 2.6. Relationship upon Delivery of Bags. Until the Bank recounts the contents of the bags and enters a final credit to the Customer's account, the Bank is not responsible for 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... 2.7. Delivery to Unattended Facility. If the Bank agrees to allow the Customer to use one of the Bank's 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 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 bag. While the Customer or the Customer's Courier 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. 2.8. 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. PN: 1329506 DOC ID: 1 Page 10 of 40 Exhibit B" 2.9. Geographical Limitations of 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 E. Positive Pay, Reverse Positive Pay and Payee Verification Positive Pay, Reverse Positive Pay and Payee Verification services help prevent check fraud on Customers accounts by identifying discrepancies between checks presented to the Bank for payment and those checks issued by Customers. With Positive Pay, the Customer sends check issuance information to the Bank and the Bank compares such information to checks being presented for payment. With Reverse Positive Pay, the Bank sends the Customer information on checks being 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 checks being presented. As a condition precedent for receiving Payee Verification, the Customer must be receiving Positive Pay in connection with the same Account. 1. Issuance Information. The following information is defined as "Issuance Information" for each Item: i) Account number; ii) Item serial number; iii) dollar amount; iv) issue date [for Positive Pay and Payee Verification only]; and v) the payee name [for Payee Verification only]. For Positive Pay and Payee Verification, the Customer will 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 the Issuance Info ation. The Bank will compare the Issuance Information with the Items presented to the Bank for payment against the Account. For Reverse Positive Pay, the Bank will send the Customer the Issuance Information and the Customer will compare such info ation with the checks they have issued. 2. Discrepancies. For Positive Pay and Payee Verification, if Items are 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. 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, as required above, 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 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 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 that it receives and 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. 3. Payee Verification Additional Terms. For Payee Verification, Customer acknowledges that Items that 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. If the Customer fails to provide the Issuance Information in the file format required by the Bank, the Bank will not be liable for not detecting any discrepancy between the Item and the Issuance Info ation or for processing such Item. 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, the Customer will not be liable for such Items if the discrepancy would have otherwise been detected under this Service. With regard to payee name comparison, 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 setup requirements) and will be limited to those parameters specifically agreed to by the Customer and Bank. 4. Reverse Positive Pay Additional Terms. For Reverse Positive Pay, Customer acknowledges that Items presented for encashment at any of the Bank's branch locations will be refused unless Customer has requested that Bank allow encashment of such Items. If Customer authorizes Bank to pay Items presented for encashment at the Bank's branch locations, Bank shall follow its usual and customary over-the- counter encashment procedures (as may be in effect from time to time) and Customer assumes the risk of any loss that would have been prevented through the use of Positive Pay or Payee Verification services. Customer acknowledges that the Bank may charge a person who cashes an Item drawn on the Customer's Account a fee if that person is not a customer of the Bank. 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-the- counter. 5. Voided Items. The Customer agrees to place a void on an Item in the Issuance Information only with respect to Items that are not in circulation. If the Customer wants to stop pay on a check that has been issued, the Customer is required to issue any Stop Payment request pursuant to the relevant terms of the Account Documentation, outside of these services. 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 check 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 PN: 1329506 DOC ID: 1 Page 11 of 40 Exhibit ff B" 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. 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 at one of the Bank's branch locations at the teller line, the Customer authorizes the Bank to pay such Item based upon the Positive Pay information at the teller line. The Bank may charge a person who cashes an Item drawn on the Customer's Account a fee at the time of encashment. F. Controlled Disbursements Controlled Disbursement Accounts help customers effectively manage the disbursement process to gain control over idle balances and automate funding transfers and is designed to provide disbursement totals early each business day. 1. Controlled Disbursement Account. Each controlled disbursement account ("Controlled DlsbursementAccoun pt as set forth herein, shall be opened and maintained in accordance with the Account Documentation. Customer agrees that if it faits to utilize one of the Bank's positive pay services on the Controlled Disbursement Account, that failure will constitute Customer negligence contributing to the making of any unauthorized signature and Customer assumes the risk that checks or drafts ("Items") presented against the Controlled Disbursement Account may be forged or altered, to the extent that the positive pay services the Bank offers may have prevented any loss. The Bank will have no liability for any loss related to an Item presented against the Controlled Disbursement Account which would otherwise generally have been returned under such positive pay services 2. Payment of Items. Bank, on each banking day, will advise Customer of the total amount of Items drawn against the Controlled Disbursement Accounts that are presented for payment, on that day, to the Bank by a Federal Reserve Bank or another depository institution pursuant to a same -day settlement arrangement. Bank will honor Items which are properly payable, but shall have no obligation to pay any Item should sufficient immediately available funds to cover such Items not be transferred to the Controlled Disbursement Account in accordance with these Service Terms and the Account Documentation. 3. Over -the -Counter Presentment. Bank may, without liability to Customer, refuse to pay any Item presented for encashment at any of the Bank's branch locations. 4. Funding Account for Controlled Disbursement. Customer will maintain with Bank a designated account for purposes of funding the Controlled Disbursement Account, or the funding account may be maintained at an affiliated bank or other financial institution (the "Funding Account"). Customer authorizes Bank to debit the Funding Account for the total amount of the Items presented and any funds transfers against the Controlled Disbursement Account, and to promptly transfer such amount to the Controlled Disbursement Account even though such a debit may bring about or increase an overdraft. All funds transfers from the Funding Account to the Controlled Disbursement Account shall be in immediately available funds. Customer will maintain sufficient available funds in the Funding Account to cover Items and funds transfers presented against the Controlled Disbursement Account, and the Bank shall have no obligation to transfer funds, process Items for payment or complete any funds transfers unless there are sufficient available funds in the Funding Account. The Bank is authorized to debit the Funding Account for any obligations owed directly or indirectly on the Controlled Disbursement Account. The Bank shall not be liable for failure to pay any Item presented for payment against any Controlled Disbursement Account due to insufficient funds in the Funding Account. 5. Media. Bank will transmit to Customer by the transmission method or media agreed to by Customer and Bank information regarding Customer's Controlled Disbursement Account. 6. Routing Transit Number. Customer agrees to use the designated controlled disbursement account routing transit number on the Items it issues from the Controlled Disbursement Account. Customer acknowledges that if it fails to use such designated controlled disbursement account routing transit number the Bank is authorized to terminate this Service or any Service feature upon notice to the Customer. 7. Financial Condition. In the event of the deterioration of the financial condition of the Customer, as determined in the Bank's sole discretion, the Bank may immediately terminate the Service, any Service feature, and/or may convert any Controlled Disbursement Account to a stand-alone demand deposit account without prior notice to the Customer. 8. Third Party Usage. Customer agrees that it will not permit a third party to write checks on or otherwise issue payment transactions or instructions on Customer's Controlled Disbursement Account. Customer agrees to indemnify and hold Bank harmless from and against any and all actions, claims, demands, losses, liabilities or expenses whatsoever, including attomey's fees and costs, resulting directly or indirectly from Customer's breach of this Section 8. This indemnity shall survive the termination of these Service Terms. Notwithstanding anything to the contrary, Customer acknowledges that, if Customer breaches this Section 8, Bank may immediately terminate this Service or any Service feature upon notice to the Customer. PN: 1329506 DOC ID: 1 Page 12 of 40 Exhibit B" G. Image Cash Letter 1. Service. These terms govern the image cash letter service (the "Service") which allows image -enabled check customers to prepare and transmit electronic deposit information and check images instead of preparing and physically depositing paper cash letters and associated original check. 2. Transmission and Processing. Customer shall provide through its own methods or devices the captured check images and check data from the Check, including the magnetic ink character recognition fo atting (MICR) information through electronic transmissions (the "Transmissions") in the format and specifications required by the Bank's File Standards and within the cut-off times provided by the Bank. Customer authorizes Bank to process the Transmissions as substitute checks, electronic images or photos in lieu, as may be applicable for further clearing through any other financial institution, clearinghouse or Federal Reserve Bank. If the Customer is eligible and has chosen to have Checks processed as ACH transactions, Bank will convert eligible Checks to ARC or POP entries, as defined and provided for in the ACH Origination Service Terms. Customer agrees that it is solely responsible for the creation and transmission of these Transmissions to the Bank. If any Transmission (including any source document for purposes of these Service Terms) does not meet the Bank's or any transferee's standard requirements for processing, Customer assumes all risk of loss or delay in processing such Transmission and authorizes the Bank to either (a) return the Transmission to the Customer without further processing, (b) process the Transmission as sent from the Customer, (c) process the Checks as photocopies in lieu of the originals, or (d) repair or attempt to repair the Transmission for further processing. Under this Service, "Checks" shall mean checks and drafts drawn in US dollars on, or payable through, banks located in the United States (including Puerto Rico, Guam and the US Virgin Islands), endorsed for deposit to Customer's account at the Bank. 3. Image Cash Letter File Deposit Time. The Transmissions must be sent to Bank prior to the deposit deadline. Any Transmission will be deemed to have been received by Bank when the entire file has been written onto Bank's system and made available for Bank to validate. Based upon the size of the Transmission file, there may be a significant delay between the time Customer begins to send the file and the completion of the transfer as stated above. As a result, Customer will make every effort to send the Transmission file as early as possible. Files that are received after a deposit deadline will be considered deposited as of the next deposit deadline. Processing fees and funds availability will be assessed based on the deposit deadline that is met. 4. Customer Liability. Customer shall be solely responsible if any Transmission for which Customer has been given provisional credit is returned or reversed, and neither Bank nor its subcontractors shall be liable or responsible for same. Customer acknowledges that all credits received for deposit are provisional, subject to verification, final settlement or return. Information and data reported hereunder: (a) may be received prior to final posting and confirmation and is subject to correction and (b) is for informational purposes only and may not be relied upon. Customer agrees that Bank shall have no liability for the content of payment -related information as received from the Customer. Customer shall be solely responsible for the original Checks, including storage and retrieval. Customer agrees to provide a legible copy of an image or the original Check if requested by the Bank within five (5) business days of such request. If Customer is unable to provide the original or legible copy, Customer shall be liable for any associated loss or claim involving the Check. Customer will not present a Transmission or the original Check or substitute check more than once to the Bank if the initial Transmission was processed as an ACH transaction and shall be responsible for any and all losses or claims resulting from the Customer presenting such Check or Transmission for payment more than once through any method. 5. Suspension/Cancellation of Service. Bank reserves the right to suspend or terminate the Service, in whole or in part if Bank believes Customer is in breach of these Service Terms or is otherwise using or accessing the Service in a manner inconsistent with the rules and regulations relating to the Service being provided and such breach, use or access is not cured within three business days after notice to Customer. Further, this Service will automatically terminate if the Customer's account with the Bank is closed for any reason. Either party may terminate the Service upon thirty (30) days' prior written notice to the other party; provided, however, that the te s of Section 9 will apply to any termination prior to the time period set forth in the Pricing Schedule. 6. Intellectual Property Ownership. Neither these Service Terms nor the provision of the Service transfer to Customer any ownership or proprietary rights in the Bank's technology or any work or any part thereof, and all right, title and interest in and to the Bank's technology will remain solely with Bank or its subcontractors. 7. WARRANTIES AND DISCLAIMERS. PN: 1329506 DOC ID: 1 Page 13 of 40 Exhibit B" 7.1. CUSTOMER WARRANTY. CUSTOMER WARRANTS AND REPRESENTS TO THE BANK THAT: (A) EACH TRANSMISSION CONTAINS ACCURATE AND LEGIBLE IMAGES OF ALL OF THE INFORMATION ON THE FRONT AND BACK OF THE ORIGINAL CHECKS AT THE TIME EACH CHECK WAS TRUNCATED; (B) EACH TRANSMISSION ALSO CONTAINS A RECORD OF ALL APPLICABLE MICR -LINE INFORMATION REQUIRED FOR A SUBSTITUTE CHECK AND THE ACCURATE AMOUNT OF THE CHECK; (C) EACH TRANSMISSION CONFORMS TO THE TECHNICAL STANDARDS FOR AN ELECTRONIC ITEM SET FORTH IN REGULATION J AND FEDERAL RESERVE BANK OPERATING CIRCULARS AND FOR A SUBSTITUTE CHECK SET FORTH IN REGULATION CC; (D) NO PERSON WILL RECEIVE A TRANSFER, PRESENTMENT OR RETURN OF, OR OTHERWISE BE CHARGED FOR, THE CHECK (EITHER THE ORIGINAL CHECK, OR A PAPER OR ELECTRONIC REPRESENTATION OF THE ORIGINAL CHECK) SUCH THAT THE PERSON WILL BE ASKED TO MAKE PAYMENT BASED UPON A CHECK IT HAS ALREADY PAID; (E) CUSTOMER WILL NOT REDEPOSIT THROUGH THIS SERVICE ANY TRANSMISSION REPRESENTING A CHECK PREVIOUSLY DEPOSITED AND RETURNED TO THE CUSTOMER; (F) CUSTOMER WILL EMPLOY COMMERCIALLY REASONABLE SECURITY MEASURES AND FIREWALLS SUFFICIENT TO PROTECT THE TRANSMISSIONS AND STORAGE TO ENSURE NO UNAUTHORIZED ACCESS OR DUPLICATE PRESENTMENT; (G) CUSTOMER WILL ONLY CREATE TRANSMISSIONS FOR CHECKS THAT ORIGINATED AS PAPER CHECKS; (H) CUSTOMER HAS ESTABLISHED AN ANTI -MONEY LAUNDERING PROGRAM IN COMPLIANCE WITH ANTI -MONEY LAUNDERING LAWS AND REGULATIONS APPLICABLE TO IT AND SUCH ANTI - MONEY LAUNDERING PROGRAM INCLUDES POLICIES, PROCEDURES AND CONTROLS DESIGNED TO DETECT AND PREVENT MONEY LAUNDERING WHICH CUSTOMER BELIEVES EFFECTIVELY PREVENTS THE USE OF CUSTOMER'S OPERATIONS, PERSONNEL OR FACILITIES FOR MONEY LAUNDERING PURPOSES; AND (I) CUSTOMER WILL ONLY ACCESS THE SERVICE AND SEND TRANSMISSIONS TO THE BANK FROM LOCATIONS WITHIN THE UNITIED STATES; (J) CUSTOMER IS IN COMPLIANCE WITH ALL LOCAL LAWS AND REGULATIONS APPLICABLE TO IT IN THE USE OF THIS SERVICE. 7.2. DISCLAIMER. BANK AND ITS SUBCONTRACTORS MAKE NO REPRESENTATIONS OR WARRANTIES, WHETHER EXPRESS, IMPLIED OR STATUTORY REGARDING OR RELATING TO ANY OF THE TECHNOLOGY OR SERVICE AND/OR ACCESS TO OR USE OF THE SERVICE OR TECHNOLOGY PROVIDED TO CUSTOMER HEREUNDER. BANK AND ITS SUBCONTRACTORS SPECIFICALLY DISCLAIM ANY AND ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. CUSTOMER ACKNOWLEDGES THAT THERE ARE CERTAIN SECURITY, CORRUPTION, TRANSMISSION ERROR AND ACCESS AVAILABILITY RISKS ASSOCIATED WITH USING OPEN NETWORKS SUCH AS THE INTERNET, AND CUSTOMER ASSUMES ALL SUCH RISKS. CUSTOMER SHALL MAKE AN INDEPENDENT ASSESSMENT OF THE ADEQUACY OF THE INTERNET IN USE OF THE SERVICE PURSUANT TO THE BANK'S PROCEDURES. CUSTOMER FURTHER ACKNOWLEDGES THAT THE SELECTION AND USE BY IT OF ANY THIRD PARTY SECURITY AND COMMUNICATIONS SOFTWARE AND THIRD PARTY SERVICE PROVIDERS IS THE SOLE RESPONSIBILITY OF CUSTOMER, AND BANK DISCLAIMS ALL RISKS RELATED THERETO, NOTHWITHSTANDING THAT THE BANK MAY RECOMMEND CERTAIN SECURITY AND/OR COMMUNICATIONS SOFTWARE AND SERVICES. CUSTOMER AGREES TO, AT ITS SOLE EXPENSE, PROCURE AND MAINTAIN ALL HARDWARE, BROWSERS, SOFTWARE AND TELECOMMUNICATIONS EQUIPMENT NECESSARY TO ACCESS THE SERVICE IN ACCORDANCE WITH THE BANK'S RECOMMENDED SYSTEM CONFIGURATION. 8. INDEMNIFICATION. IN ADDITION TO ITS INDEMNIFICATION OBLIGATIONS IN THE ACCOUNT TERMS, AND EXCEPT FOR LOSSES OR EXPENSES CAUSED BY BANK'S FAILURE TO EXERCISE ORDINARY CARE OR WILLFUL MISCONDUCT, CUSTOMER AGREES TO INDEMNIFY BANK FOR ANY LOSS OR EXPENSE SUSTAINED (INCLUDING ATTORNEY'S FEES AND EXPENSES OF LITIGATION) RESULTING FROM (i) CUSTOMER'S LACK OF AUTHORITY TO MAKE THE WARRANTIES PROVIDED HEREIN; (fl) ANY ACTION TAKEN OR NOT TAKEN BY BANK WITHIN THE SCOPE OF ITS AUTHORITY UNDER THESE SERVICE TERMS IN HANDLING A CHECK; AND (iii) ANY WARRANTY OR INDEMNITY REQUIRED TO BE MADE BY BANK WITH RESPECT TO A CHECK UNDER APPLICABLE LAW OR REGULATION. 9. Pricing Sched ule/Vol ume/Termoi nation Penalties. Bank and Customer agree to the terms of the Pricing Schedule which are incorporated herein by reference, including the length of time the Service will be provided, the charges/fees and the volumes, as may be stated in the Pricing Schedule. If Customer terminates the Service or the Service is otherwise te inated without fault of the Bank prior to the period of time set forth in the Pricing Schedule, Customer shall pay the Bank a termination fee equal to twelve (12) times the average monthly transaction fee for the Service for the period of time the Service was provided to Customer. Such termination fee shall be paid within thirty (30) days' after the effective te ination date. 10. Audit. Customer authorizes the Bank to audit its facilities where the Checks are imaged, stored and destroyed as well as where the Transmiss11 ions are processed under this Service upon reasonable prior written notice from the Bank. I I. Online Adjustments Services. If Bank and Customer agree, Customer will submit its adjustment requests through the web -based SVPCO Online Adjustment Service ("Online Adjustment") based on the following terms: PN: 1329506 DOC ID: 1 Page 14 of 40 Exhibit B" For Customers choosing the deposit account option where they settle for the Items through the Customer's deposit account at Bank ("Deposit Account") option, Customer agrees to be bound by the SVPCO Electronic Adjustment Exchange Rules, as may be amended from time to time ("SVPCO Rules"). Bank will assist the Customer in implementing and registering for Online Adjustment. Customer will designate at least one Administrator by submitting the Secure ID Token Form for Online Adjustments ("Form"). After the initial registration, Customer will be able to update its designated users directly through SVPCO. Bank may conclusively rely upon any information or instructions purported to be sent by the Customer through Online Adjustment. Customer agrees that Bank may charge Customer's Account for any adjustments and related fees. Customer agrees that the Bank shall have no responsibility with regard to the adjustment info ation transmitted through Online Adjustment. Notwithstanding anything to the contrary in these Service Terms or the Account Documentation, Online Adjustment will automatically terminate upon the termination or expiration of the agreement covering the SVPCO online adjustment service between Bank and The Clearing House. H. Image Deposit Direct 1. ServiceTerms. JPMorgan Chase Bank, N.A. ("Bank")will provide Customerthe Image Deposit Direct(IDD) Service (the "Service") in accordance with the provisions set forth in these Image Deposit Direct Service Terms (the "Service Terms"). The provisions of the Bank's account documentation, including the account terms governing the operation of business accounts and services and any applicable Service Terms as may be amended from time to time (collectively, the "Account Documentation") are incorporated herein. By signing the applicable Account Documentation or by using or continuing to use the Service, Customer agrees to these Service Terms. If and to the extent there is a conflict between the Account Documentation and these Service Terms, the provisions of these Service Terms will prevail. Capitalized terms used in these Service Terms and not defined herein have the meanings set forth in the Account Documentation. 2. The Service. The Service allows Customer to electronically transmit deposits of eligible checks and items (eligible checks and items are limited to personal checks, money orders, business checks, cashiers checks, traveler's checks payable in U.S. Dollars and drawn on U.S. banks or US Postal Service Money Orders, payable to the Customer, by using a capture device, including a desktop scanner or mobile device (hereinafter referred to as a"Scanner"), to create an electronic image of an original paper check or item and other paper source documents (collectively, "Item") and transmitting the image of the Item ("Image") and related data to Bank. As part of the Service Customer must use software and hardware provided by or acceptable to Bank. Customer is solely responsible for the Image and any information or data transmitted, supplied or key -entered by Customer employees or its agent. Before any Image of an Item is transmitted to the Bank, the Item shall be endorsed with the legend "For Deposit Only" and the Customer's name or account number unless otherwise provided for by the Bank. (a) Customer agrees that after the Image of the Item has been created and transmitted to the Bank for deposit, Customer shall not otherwise transfer or negotiate the original Item, substitute check or any other image of the Item. Customer further agrees that Customer shall be solely responsible for the original Items, including storage, retrieval and destruction. Customer must have in place policies and procedures for the secure storage and destruction of the original Items. (b) Customer agrees that a copy made from the Image or substitute check of the Item, as defined by federal law, will become the legal representation of the Item for all purposes, including return item processing. (c) If Bank receives the submitted deposit transmission no later than the Bank's designated cut off time (the "Cutoff Time") on a day that the Bank is generally open for business, i.e., Monday through Friday excluding weekends and state or federal holidays ("Business Day"), Bank will consider that Business Day to be the day of deposit. If Bank receives the submitted deposit transmission after the Cutoff Time or on a non -Business Day, the deposit will be considered to be made on the next Business Day. Whether the Cutoff Time has been met will be determined by the time displayed on the Bank's internal system clocks which may not necessarily be synchronized with the internal clock displayed on Customer's computer or device. For this reason, Bank suggests that Customer submit its deposit transmissions to Bank sufficiently in advance of the Cutoff Time to avoid the possibility of missing the Cutoff Time. (d) The term of the Service is two (2) years. After the expiration of the initial two year term, the Service shall continue on a month to month basis. (e) Customer is responsible for making certain that only Images of eligible Items are sent to Bank through this Service. Any Image of an Item sent through this Service that is not eligible as set forth in Section 2 above will be handled at Customer's sole risk and liability. (f) Subpart B of Federal Regulation CC (availability of funds) does not apply when electronic images of Items are transmitted to Bank. Funds from deposits made via this Service will be available in accordance with the availability schedule for the Service. However, Bank may apply additional delays on the availability of funds based on any other factors as determined in the Bank's sole discretion. (g) Customer agrees that Scanners used as a part of this Service are only to be used at locations within the United States. 3. Item Processing. If the submitted deposit transmission with respect to any Item does not comply with the Bank's or its processor's requirements for item type submitted, content, batch size and/or format, Customer shall be responsible for any loss related to the processing of such Item, including if the Bank, in its sole discretion: (a) further transmits the Item or data in the form received from Customer; PN: 1329506 DOC ID: 1 Page 15 of 40 Exhibit "B" (b) repairs or attempts to repair the Item or data and then further transmits it; (c) processes the Item as a photocopy in lieu of the original; or (d) returns the Item or data to Customer unprocessed and charges back Customer's account. Warranties. Customer represents and warrants to Bank that: (a) any Image Bank receives accurately and legibly represents all of the information on the front and back of the original Item as of the time the original Item is truncated; (b) the information Customer transmits to Bank corresponding to an Item contains a record of all applicable MICR -line information required for a substitute check and the accurate amount of the Item; (c) the Image conforms to the technical standards for an Electronic Item set forth in Regulation J and Federal Reserve Bank operating circulars and for a substitute check set forth in Regulation CC; (d) no person will receive a transfer, presentment, or return of, or otherwise be charged for, the Item (either the original Item, or a paper or electronic representation of the original Item) such that the person will be asked to make payment based on an Item it has already paid; (e) Customer will not redeposit through this Service any Item previously deposited and returned to Customer unless Bank advises Customer otherwise; (� Customer will employ commercially reasonable security measures and firewalls sufficient to protect transmissions and storage to ensure no unauthorized access or duplicate presentment; (g) Customer will only transmit Images created from original paper Items; and (h) Customer will comply with all laws and regulations applicable to Customer in its use of the Service and not use the Service for any purpose prohibited by foreign exchange regulations, postal regulations or any other treaty, statute, regulation or authority. 5. Computer Equipment; Browser Access and Internet Services. Customer is responsible for obtaining, installing, maintaining and operating all browsers, software, hardware, telecommunications equipment or other equipment (collectively, "System") necessary for Customer to access and use the Service in accordance with the Bank's recommended system configuration.. This responsibility includes, without limitation, Customer's utilizing up-to-date web -browsers and the best commercially available encryption, antivirus, anti- spyware, and Internet security software. Customer acknowledges that there are certain security, corruption, transmission error, and access availability risks associated with using open networks such as the Internet and Customer hereby expressly assumes such risks, including, but not limited to those Bank may disclose in its educational materials. Customer acknowledges that Customer is responsible for the data security of the Systems used to access the Service, and for the transmission and receipt of information using such Systems. Customer acknowledges that it has made an independent assessment of the adequacy of the Internet and Systems in connection with the use of the Service and that Customer is satisfied with that assessment. Customer agrees that the presence of any malware, including, without limitation, any keystroke logger type of malware, on any of Customer's computers shall be presumed, unless proven otherwise by clear and convincing evidence by Customer, to constitute the failure by Customer to fulfill its duty at all times to maintain the proper functioning, maintenance and security of its own systems, services, software and other equipment, and to be the cause of any damage, loss, expense or liability which may be suffered or incurred by Customer. Customer further acknowledges that the selection and use by it of any third party security and communications software and third party service providers is the sole responsibility of the Customer and the Customer is responsible for all fees associated therewith. Bank disclaims all risks related thereto and makes no endorsement thereof, notwithstanding that the Bank may recommend certain security and/or communications software and services or provide a link to a third party site where Customer may download software. 6. Security Devices. In order to communicate electronically with Bank whether via the Internet, or otherwise, to access information or effect transactions in connection with the Service, Customer shall utilize identification codes, passwords, authorization, authentication and/or encryption algorithms, tangible or intangible security tokens, cookies, digital signatures and private or public keys (individually a "Security Device" and collectively the "Security Devices") to be issued or approved by Bank from time to time. To prevent unauthorized access to Customer's accounts and to prevent unauthorized use of the Service, Customer agrees to protect and keep confidential the Security Devices used for accessing Customer's accounts via the Service. If Customer believes someone may attempt to use or has used the Service without Customer's permission, or that any other unauthorized use or security breach has occurred, Customer agrees to immediately notify Customer's relationship officer. 7. Product Rights. (a) Grant of License. To the extent Bank or its licensors make any software available to Customer via download on its website or by any other means for use in conjunction with the Service, Bank hereby grants, and Customer hereby accepts, for the term of these Service Terms, anon-exclusive, non -assignable, non -transferable, limited right and license to use the proprietary computer software products in object code and any associated documentation ("Products") for use only directly in conjunction with its permitted use of the Service. PN: 1329506 DOC ID: 1 Page 16 of 40 h Exibit "B" (b) Title. Exceptfor the license granted to Customer hereunder, all rights and title in and to the Products, including any improvements, modifications, and derivative works, will at all times remain with Bank or its licensors, and Customer shall acquire no rights in the Products. (c) Use of Products. i) Customer agrees that the Products will be used only by Customer and Customer's Affiliates, provided that each Affiliate agrees to be bound by the terms hereof and further that Customer will be liable for Customer's Affiliates'acts and omissions in connection with the Products. For purposes of this Agreement, "Affiliates" means those entities that control, are controlled by or are under common control with Customer. For purposes of this definition, " control" (including with correlative meaning, controlled by, and under common control with) means the possession, directly or indirectly, of greater than a 50% ownership interest in an entity. ii) Except as otherwise expressly provided herein, Customer will not copy, modify, or create derivative works of the Products or display, assign, sublicense, .distribute, or otherwise transfer any interest in this Agreement or the Products to any third party. Customer will not, and will not permit others to, reverse engineer, reverse-compile, or reverse -assemble the Products or otherwise attempt to obtain source code for the Products. iv) Customer shall use the Products solely for Customer's internal business purposes. For purposes of this clause, the expression "internal business purposes" will in no circumstance include time sharing, rental, or service bureau purposes, or the sale, marketing or (except as otherwise expressly provided herein) commercial exploitation of the Products. v) Customer will notify Bank in writing regarding any unauthorized use or disclosure of the Products immediately after it becomes known to Customer. vi) Customer acknowledges that the Products constitute trade secrets and represent significant economic and commercial value to Bank and/or its licensors and must be maintained as secret, confidential and proprietary. Customer agrees that copyright legends borne by the Products in no way reduce the trade secret, proprietary and/or confidential nature thereof. Customer will take all reasonable steps to safeguard the Products to ensure that no unauthorized disclosure or use is made, in whole or in part, and will use at least the same degree of care to prevent the unauthorized use, disclosure or availability of the Products as Customer ordinarily use in protecting Customer's own most valuable confidential and proprietary information. Customer will not remove or alter any copyright or other proprietary legends contained on the Products. vii) Customer obligations under this Section survive termination of these Service Terms. (d) Installation, Training and Maintenance. Customer will be solely responsible for the installation, training, maintenance and use of the Products. It is Customer's (and expressly not Banks) responsibility to establish reasonable backups, accuracy checks and security precautions to guard against possible malfunctions, loss of data and unauthorized access. (e) Patent Infringement. In the event the Products become, or in Bank's opinion are reasonably likely to become, the subject of a claim of infringement, Customer will allow Bank, at its option and expense, to replace the Products with anon-infringing alternative, modify the Products so that they become non -infringing or terminate the license. (fl Risk of Loss. Customer will bear the entire risk of loss, destruction and damage to the Products from any cause whatsoever, and no such loss, destruction or damage shall impair any of Customer obligations hereunder which shall continue in full force and effect. 8. New Features. Bank may, from time to time, introduce new features to the Service or modify or delete existing features in its sole discretion. Bank shall notify Customer of any of these changes to features if Bank is legally required to do so. By using any new or modified features when they become available, Customer agrees to be bound by the rules concerning these features. 9. Audit Rights. Customer agrees that Bank has the right to audit Customer's processes and procedures for managing and maintaining the security and safety of the scanner, the transmission of the images and the original Items as defined below and that Bank has the right to audit Customer's physical locations where the scanners are used and original items are stored as well as Customer's processes for secure destruction of the original Items. 10. Indemnification. In addition to the indemnities contained in the Account Documentation, Customer agrees to defend, indemnify and hold Bank, its officers, affiliates, employees and agents harmless from any actions, claims, losses, demands, liabilities, litigation or damages (including reasonable attorneys' fees) arising from or in connection with: (a) Customer's breach of any of the warranties made by Customer pursuant to these Service Terms, (b) Customer's use of the Service or the use of the Service by anyone using Customer's Security Device in breach of its obligations to any third party or applicable law, or PN: 1329506 DOC ID: 1 Page 17 of 40 Exhibit it B" (c) Customer's violation of these Service Terms or the rights of any third party (including, but not limited to, privacy rights). 11. Disclaimer. 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 SERVICES 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 SERVICES. 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 SERVICES THE BANK AND ANY THIRD PARTY VENDOR DO NOT WARRANT OR GUARANTY THE SECURITY, SEQUENCE, TIMELINESS, ACCURACY OR COMPLETENESS OF THE DATA OR THAT ANY PART OF THE SERVICES WILL BE ERROR -FREE OR UNINTERRUPTED. 12. Limitation of Liability. (a) In no event will Bank's liability under these Service Terms for any damages of any kind exceed an amount equal to the fees the Customer paid Bank for the Service during the twelve (12) months preceding the date on which Customer made the corresponding claim. If Customer makes a claim during the first twelve (12) months of service, Bank's liability will be limited to the average monthly fee Customer paid during that time multiplied by twelve. (b) EXCEPT AS SPECIFICALLY SET FORTH HEREIN OR WHERE THE LAW REQUIRES A DIFFERENT STANDARD, BANK SHALL NOT BE RESPONSIBLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, ARISING FROM OR RELATED TO THE SYSTEM, EQUIPMENT, BROWSER AND/OR THE INSTALLATION OR MAINTENENACE THEREOF, ACCESS TO OR USE OF THE ONLINE SERVICE, FAILURE OF ELECTRONIC OR MECHANICAL EQUIPMENT, THE INTERNET, THE SYSTEM, OR COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECT PROBLEMS, BUGS, ERRORS, CONFIGURATION PROBLEMS OR INCOMPATIBILITY OF COMPUTER HARDWARE, SOFTWARE, THE INTERNET, OR THE SYSTEM, FAILURE OR UNAVAILABILITY OF INTERNET ACCESS, PROBLEMS WITH INTERNET SERVICE PROVIDERS, PROBLEMS OR DELAYS WITH INTERMEDIATE COMPUTER OR COMMUNICATIONS NETWORKS OR FACILITIES, PROBLEMS WITH DATA TRANSMISSION FACILITIES OR ANY OTHER PROBLEMS CUSTOMER EXPERIENCES DUE TO CAUSES BEYOND BANK'S DIRECT, EXCLUSIVE AND REASONABLE CONTROL, AND CUSTOMER IN ORDER TO HOLD BANK LIABLE SHALL HAVE THE BURDEN OF PROOF TO ESTABLISH BY CLEAR AND CONVINCING EVIDENCE THAT ANY DAMAGE SUFFERED OR INCURRED BY CUSTOMER WAS FROM A CAUSE THAT WAS WITHIN BANK'S DIRECT, EXCLUSIVE AND REASONABLE CONTROL. 13. Miscellaneous. (a) If Customer cancels the Service before the expiration of two (2) years, Customer shall pay an early cancellation fee of $500.00 for each scanner not paid for in full at the time the Service is implemented. (b) In addition to other termination rights set forth in the Account Documentation, Bank may terminate the Service immediately if Customer breaches any warranty set forth in these Service Terms. (c) If the Service is cancelled or terminated for any reason, Customer shall uninstall any software or hardware from its computer systems which was provided to Customer as part of the Service or assume the risk of any loss that could have been prevented by Customer's compliance with this provision. (d) The provisions of sections 2, 4, 7, 101 11 and 12 shall survive termination of these Service Terms. I. Check Print The Check Print Service enables the Customer instruct the Bank to create and mail checks and/or documents on behalf of the Customer. 1. Print Orders. The Bank will execute each print order requested by the Customer which is received by the Bank in a manner described in these Service Terms or as otherwise provided by the Bank (the "Print Order"). Print Order information shall include payee names and addresses. Customer agrees that it will not include any other personally identifiable information or any protected health information in its Print Orders. Print Orders may include printing of non-payment documents ("Documents") if agreed to by the Bank based upon these Service Terms. 2. Check Pull Requests. For any Print Order received by the Bank, the Customer may request the Bank to pull a check(s) from processing by completing the Bank's manual check pull request form ("Check Pull Request"); provided, however, that a Check Pull Request will not be effective unless and until it is received by the Bank in the form required and the Bank has had a reasonable time to act upon such request. A Print Order may not be amended or modified. The Bank has no obligation to adjust or stop the payment or posting of a Print Order it has accepted. PN: 1329506 DOC ID: 1 Page 18 of40 1 Exhibit B" 3. Receipt of Print Orders. The Customer shall transmit Print Orders to Bank to the location and in compliance with the formatting and other requirements of the Bank set forth in its operating procedures. Bank may reject any Print Order that does not comply with these Service Terms. 4. Issuance of Checks/Documents. For each Print Order accepted by the Bank, the Bank will: (a) cause a check to be printed and completed; (b) cause a laser facsimile signature authorized by the Customer to be placed on the check; (c) if agreed upon, cause other documents to be completed and included with the check issuance ("Documents"); and (d) mail or send the check by courier along with any Documents as agreed upon (collectively, the "Issuance"). The Customer expressly grants the Bank the authority to create and process such Issuances. 5. Notice of Rejection. The Bank will promptly notify the Customer if a Print Order is rejected by the Bank and will advise the Customer as to the reason. The notice or advice shall be deemed commercially reasonable if made available through the Check Print Service or given electronically, orally, by telephone or facsimile transmission. 6. Control. The Bank is not responsible or liable for the detection of errors contained in any Print Order as received from the Customer and is entitled to rely on the info ation contained therein. 7. Reliance Upon Instructions. The Customer is responsible for, and the Bank may rely upon, the contents of any notice or instructions that Bank believes in good faith to be from the Customer without any independent investigation. The Bank shall have no duty to inquire into the authority of the individual giving such notice or instruction. In the event the Bank receives conflicting notices or instructions, the Bank is authorized to act on either the notice or instruction, or it can refuse to act. No restriction on the Bank's acceptance of any Print Order will be binding on the Bank, except as set forth in these Service Terms unless agreed to in writing by the Bank and the Bank has had a reasonable opportunity to act upon such change. 8. Limitation of Liability. The Bank's liability shall be limited to direct damages caused by the Bank's failure to use reasonable care. Reasonable care in providing the Check Print Service shall be measured by the relevant provisions of any service levels or business requirements and the standard of reasonableness of the procedures established for the transaction involved. Mere inadvertence or honest'mistake of judgment shall not constitute a failure to perform such obligations or a failure to exercise reasonable care and in no case will be deemed wrongful. 9. Cashier's Checks. If the Bank creates cashier's checks under the Check Print Service, the following additional terms will apply: (a) Customer will send the cashier's check print file information ("File Information") to the Bank by the Bank's cut off time on a given day ("Day One"); (b) the Customer authorizes the Bank to debit the Customer's designated account ("Funding Account") for the amounts shown on the File Information on Day One; (c) as the cashier's checks from the File Information are being processed, the account reconciliation issue file ("ARP File") must match the date of funding found in the File Information of the next banking day ("Day Two"); (d) for any cashier's check for which there is insufficient funds in the Funding Account on Day One to fund the purchase of the cashier's check, the Bank is authorized to reject the creation of such cashier's check; (e) fully funded cashier's checks will be printed on Day Two; (f) if the Customer is using one of the Bank's online services, Customer will be able to view information regarding the cashier's checks which were funded and created and those that were rejected; (g) any information from the File Info ation which can not be used to create a cashier's check will be communicated to the Customer for further research and reconciliation; (h) if any cashier's check is returned as undeliverable, the cashier's check will remain outstanding in the Bank's cashier's check account and escheated according to applicable laws and regulations. If the payee of a cashier's check claims that the cashier's check was lost, stolen or destroyed before the funds are escheated, such claim will be handled in accordance with the Bank's procedures. J. ACH Tax Payment 1. Service. Bank will provide a service (the "Service") whereby Customer can direct Bank, via touchtone telephone or internet platform, to make tax payments through the automated clearing house (ACH) system from an account with Bank that Customer specifies. Customer may use the service to pay: • any federal taxes covered by the Federal Tax Deposit Coupons (Form 8109) that Customer has executed and delivered to Bank from time to time; • certain state taxes; and • certain municipal taxes. Bank may pay taxes from Customer's account in accordance with any instructions issued in Customer's name that Bank verifies pursuant to the security procedures specified in these Service Te s. In using the Service, Customer agrees to comply with and be bound by the Operating Rules of the National Automated Clearing House Association ("NACHA Rules"). 2. Receipt of Instructions and Cancellations. Customer may issue instructions and cancellations only during service hours that Bank specifies, and Customer acknowledges that Bank may change such service hours upon prior notice to Customer. Bank must receive instructions, PN: 1329506 DOC ID: 1 Page 19 of 40 Exhibit "B" including but not limited to payment cancellation instructions, not later than 6:00 p.m. ET (or such other time as Bank specifies) on the Business Day prior to the day on which the tax payment is due. For purposes of this Section, "Business Day" means a day on which the Bank is open for business in its New York office. Instructions received after such time shall not be processed until the following business day and Customer shall be liable for any charges, fees or costs associated with such payment. Bank may reject or delay processing of a tax payment if the request is not complete or is inaccurate or otherwise does not meet the criteria Bank specifies for acceptance herein or in the User Guide (as hereafter defined). The Service is not designed or intended to be used for any ACH tax payment that is required to be formatted as an "International ACH Transaction" (or IAT) under the NACHA Rules. Customer agrees not to use or attempt to use the Service to originate any ACH tax payment that is required to be formatted under the NACHA Rules as an "International ACH Transaction" (or IAT). Customer shall indemnify and hold Bank harmless from and against any and all claims, demands, losses, fines, penalties, damages, liabilities and expenses, including, without limitation, legal fees and expenses, resulting directly or indirectly from any ACH tax payment processed or requested to be processed by Customer via the Service which should have been formatted under the NACHA Rules as an IAT. 3. Tax Payment Security Procedures. (a) A Bank -issued or approved access code and PIN and/or other security device ("Security Device") is required to access the Service. The Customer shall be bound by and adhere to the security procedures and other procedures for use of the Service advised to it in writing through any medium by the Bank, as may be revised from time to time upon notice to the Customer (the "User Guide"). The Customer shall notify the Bank immediately of loss or theft of a Security Device, any unauthorized use of a Security Device or any other breach of security. The Bank may dishonor or disable any Security Device at any time and will inform the Customer of the same. The Customer agrees that any use of the Service with a Security Device is deemed to be carried out directly by and on behalf of the Customer. The Customer agrees to safeguard all Security Devices and to instruct each Authorized User (as defined below) to do the same. (b) This Section 3(b) applies to use of the Service through the designated internet platform, but does not apply to touchtone telephone access. Customer shall designate an administrator (the "Administrator") who shall have authority in accordance with the operational instructions for the Service provided to Customer in the User Guide. Customer agrees to notify Bank of any change in Administrator in the manner and form designated by Bank. Any such changes shall be effective at such time as Bank has received such notice and has had a reasonable opportunity to act upon it. In accordance with the procedures contained in the User Guide, the Administrator shall be responsible for (i) designating individuals as users ("Authorized Users"); (ii) identifying the functions of the Service; (iii) requesting, creating, controlling, disseminating, and/or canceling user entitlements; (iv) receiving and distributing materials, notices, documents and correspondence relating to the security procedures; and (v) advising each Authorized User of his/her obligations hereunder and under the User Guide. The Administrator shall provide to the Bank, upon the Bank's request, a list of Authorized Users. 4. Open Network Access. The Customer acknowledges that there are certain security, corruption, transmission error and access availability risks associated with using open networks such as the internet, and the Customer assumes all such risks. The Customer shall make an independent assessment of the adequacy of the Internet and the Bank's security procedures. The Customer further acknowledges that the selection and use by it of any third party security and communications software and third party service providers is the sole responsibility of the Customer, and the Bank disclaims all risks related thereto, notwithstanding that the Bank may recommend certain security and/or communications software and services. The Customer agrees to, at its sole expense, procure and maintain all hardware, browsers, software and telecommunications equipment necessary to access the Service in accordance with the Bank's recommended system configuration. 5. Funding. Customer authorizes Bank to debit Customer's applicable account for the amount of each tax payment and for any applicable bank fees and charges when due. In the event Customer does not have sufficient funds in Customer's applicable account to cover the amount of a tax payment, Bank shall have no obligation to make the tax payment for Customer. Bank may require Customer to pay Bank the amount of each tax payment on the date of transmission of the tax payment instruction or otherwise prior to the tax payment due date. Bank may from time to establish or revise maximum dollar limits for the total value of all outstanding files of tax payments that Bank will release on customer's behalf. Bank may change or cancel the limits any time without prior notice to Customer, although Bank will try to notify Customer before Bank does that. Funds Bank receives and holds pursuant to the Service shall be held as a deposit liability to Customer and not in trust for Customer or the taxing authority. 6. Warranties; Indemnity. Except as specified below, Customer will be deemed to make the same warranties to Bank as Bank makes pursuant to the NACHA Rules although Customer will not be deemed to warrant the power of the Bank under applicable law to comply with the requirements of the NACHA Rules or the conformity of tax payments and other data Bank transmits to the file specifications contained in the NACHA Rules. Customer further represents and warrants to Bank that: (i) Customer shall not access the Service from any jurisdiction in which the Service is not authorized; and (ii) each tax payment Customer originates will comply with applicable U.S. laws and regulations and Customer acknowledges that payments may not be initiated that violate the laws of the United States. 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 attomey's fees and costs) resulting directly or indirectly from (a) Customer's breach of any warranty made under this Section and (b) compliance by Bank with any request Customer makes for a cancellation, stop payment, reversal or recall of any tax payment. Bank shall have no responsibility for any delay by any ACH Operator (as such te is defined in the NACHA Rules) or taxing authority in processing any tax payment Bank transmits to such entity or failure by such entity to process or apply any tax payment. 7. Stop Payments; Reversals and Recalls. Customer's instruction to stop payment of, reverse or recall one or more tax payments must be received by Bank in such time and manner as Bank specifies. Bank will process these transactions in accordance with Bank's PN: 1329506 DOC ID: 1 Page 20 of 40 Exhibit "B" procedures advised to Customer. Any reversal or recall initiated by Bank is subject to acceptance by the relevant taxing authority. Tax payment instructions may not be amended or modified. 8. Payment Limits. Bank may from time to time establish or revise (a) maximum dollar limits for each payment to be made by the Customer to a specified taxing authority, and (b) aggregate limits for all payments to be made by the Customer to a specified taxing authority within a 24-hour period. Bank may change or cancel the limits at any time without prior notice to Customer, although Bank will endeavor to give prior notice to Customer. Bank may require Customer to pay Bank the amount of any tax payment 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. 9. Limitation of Liability. Bank's maximum aggregate liability in connection with the Service shall be limited as provided in the Account Documentation (as defined in Section 9 below) and shall be further limited to the lesser of the amount of any penalty or interest actually imposed by the applicable taxing authority or the total fees Customer paid Bank during the prior 12 months. 10. Incorporation of Account Documentation; Termination. The Bank's terms governing the operation of business accounts and services ("Account Documentation") are incorporated herein, 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. In addition to Bank's termination rights under the Account Documentation, Bank shall have the. right to terminate or suspend these Service Terms and the Service upon notice to Customer in the event of Customer's breach of the NACHA Rules. K. Client Access I . Service 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 online (including mobile) and host-to-host/file transfer channels. The Bank reserves the right to modify the applications and products (each an "Application") available via the Service, upon notice to the Customer. 2. Security Procedures and Other Controls 2al Security Procedures. The security procedures for each channel are as 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. Administrative Procedures (as defined in Section 2.2 below) and unilateral Bank controls shall not be deemed to be Security Procedures for purposes hereof unless explicitly identified as such in writing. a. Online Channel. The Security Procedure for verifying payment Instructions issued (released) via the online channel is validation of an identification code and confidential password of an Authorized User (as defined in Section 2.4 below) and a token code generated by a Bank issued or approved security device ("Security Device") assigned to that Authorized User; provided that the Security Procedure for verifying payment Instructions issued (released) via the mobile application is validation of the registration of the mobile device, a biometric identifier and the private swipe key of an Authorized User. b. Host-to-Host/File Transfer Channel. The Security Procedure for verifying payment Instructions issued (released) via the host-to- host/file transfer channel is authentication of a digital signature using a Signature Certificate, as set forth in Section 8 below. In addition to the Security Procedures described above, the applicable Security Procedure also includes transaction review based on various risk characteristics. The transaction reviews will 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. The Customer shall notify the Bank immediately of loss or theft of a Security Device, any unauthorized use of a Security Device, or any other breach of security, including the compromise of a Certificate (as defined below). The Bank may dishonor or disable any Security Device at any time and will inform the Customer of the same.. The Customer agrees to safeguard all Security Devices and to instruct each Authorized User to do the same. The Customer will be responsible for ensuring that the Security Devices are known to and used only by Authorized Users. 2.2. Administrative Procedures. The Bank offers numerous controls that the Customer may implement to reduce the risk of erroneous or unauthorized transactions ("Administrative Procedures"). These procedures, which may include account and transaction limits, single machine registration and IP filtering, among others, may be supplemented and modified by the Bank from time to time. 2.3. Security Administrator Designation. The Customer shall designate security administrators who shall have equal authority in accordance with the administrative control procedure for each Application and/or the authority to add, update or delete security keys in connection with the host-to-host/file transfer channels. The Customer agrees to notify the Bank of any change in security administrators in the manner and form designated by the Bank. Any such changes shall be effective at such time as the Bank has received such notice and has had a reasonable opportunity to act upon it. PN: 1329506 DOC ID: 1 Page 21 of 40 3. 4. 5. 6. f:xhibit itB" 2.4. Security Administrator Responsibilities. The security administrators shall be responsible for (i) designating individuals as users ("Authorized Users"); (ii) identifying the functions of the Service, including the Mobile Application (as defined in Section 7 below), that each user may access; (iii) requesting, creating, controlling, disseminating, and/or canceling user entitlements; (iv) receiving and distributing materials, notices, documents and correspondence relating to the security procedures; and (v) advising each user of his/her obligations hereunder or under any of the applicable Account Documentation (as defined in Section 6 below). The security administrators shall provide to the Bank, upon the Bank's request, a list of Authorized Users. In the absence of a valid designation of a security administrator at any time, the Bank may deliver Security Devices and materials to any person authorized to act on behalf of the Customer with respect to the accounts. 2.5. Processing. The application of the Security Procedures and any unilateral controls implemented by the Bank may cause delays in processing Instructions or result in the Bank declining to execute an Instruction. 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 OR COMPLETENESS OF THE DATA OR THAT ANY PART OF THE SERVICE WILL BE ERROR -FREE 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 Customer shall at all times maintain current and effective anti -virus and anti-spyware 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 associated with the operation, performance and security of its System and the use of open networks, and the Bank disclaims all such asks. 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. Instructions; Data 4.1. The Customer shall be solely responsible for the genuineness and accuracy, both as to content and form, of all Instructions properly received by the Bank. 4.2. The Customer acknowledges that Data may not have been reviewed by the Bank, may be inaccurate, and may be pe9 riodically updated and adjusted. The Bank is not obligated to assure the accuracy of Data and will not be liable for any loss or damage ari8 sing 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). Customer Warranties The Customer represents and warrants 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 info ation; and (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. The Customer hereby represents and warrants to the Bank that these Service Terms constitute its legal and binding obligations enforceable in accordance with its terms. 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 shall apply to the use of the Service by such Authorized Users. 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 ("Account Documentation"), are incorporated herein, 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. PN: 1329506 DOC ID: 1 Page 22 of 40 hibit ".........." 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 arising outside the United States relating to or in connection with these Service Terms 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 in Asia and (ii) London where the dispute arises elsewhere (other than the United States) and the arbitration shall be conducted in English. 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 non-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 Application The Service is available via a Bank mobile application (any such application, including released modifications, updates, upgrades, successor and substitute software programs as may have been provided by the Bank to the Customer, a "Mobile Application"). 7al Accepting use of the Bank's SMS Text Notification Service and/or the Mobile Application service 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 the Mobile Application. 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. 8. Hostmto=Host/File Transfer Services The Service is available via host-to-host/file transfer Services. 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 the corresponding security key (the "Transport Certificate"), and a digital signature certificate, which authenticates transmitted files on the basis of the corresponding security key (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". 8al Customer Requests. The Customer shall comply with the Bank's procedures notified to the Customer for any request that the Bank add, update or delete a Security Key. The Customer may contact the Customer's customer service office (or other designated Bank representative as the Bank may direct) for assistance with any such request. Any request to add or update a Security Key shall include the applicable Certificate, a text file or other physical representation of the public Security Key of such Certificate and the requested date and time for the action to be taken, which shall be no earlier than two U.S. banking days after the Bank's receipt of the request. 8.2. Security Key Updates. 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, notwithstanding that such security administrator may be a third party agent acting on behalf of the Customer. Upon successful validation of a Customer's request, the Bank will reply confirming receipt of the Security Key file and the scheduled date and time for the action to take place. Requests for security key additions, updates or deletions will be actioned during the course of normal business hours, Monday through Friday, 8:30 AM — 5:30 PM Eastern Time (United States). 8.3. Administrative Procedures: Certificate Requirements. The Customer agrees to comply with Bank's Administrative Procedures for Certificates, including the following: (i) Certificates must have a finite validity period, the maximum length of which is determined by the combined use of a Transport Certificate and a Signature Certificate. • If digital -signature is applied to the file/payload, then the following applies: o The Signature Certificate validity period is limited to five years, provided that the Transport Certificate validity period is two years or less; OR o The Transport Certificate validity period is limited to five years, provided that the Signature Certificate validity period is three years or less. • If no digital -signature is used, then the Transport Certificate validity period is limited to two years. (ii) No Certificate shall be accepted unless it adheres to the following cryptographic specification: PN: 1329506 DOC ID: 1 Page 23 of 40 1 Exhibit ][3 • Message digest: SHA-1 , SHA-2, AES256 • Asymmetric algorithm: RSA, DSS • Asymmetric algorithm key length: 2048 bits or more 8.4. Certificate Expiration. Notwithstanding any courtesy notifications from the Bank 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. PN: 1329506 DOC ID: 1 Pa. e 24 of 40 Exhibit B" Jurisdiction Specific Provisions Exhibit A. Australia 8 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. Peoples Republic of China Any dispute arising from or in connection with these Service Terms shall be submitted to the China International Economic and Trade Arbitration Commission ("CIETAC") for arbitration which shall be conducted in accordance with its arbitration rules in effect at the time of applying for arbitration. The hearing place shall be Beijing. The arbitral award is final and binding upon both parties. C. 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 misconduct, the Customer acknowledges that the Bank shall any mobile device." D. Malaysia/Labuan -. resulting from errors or delay caused by the Bank's gross negligence or willful not be liable for any delays in any Data, message notification or alert delivered via (i) The following terms shall apply in relation to the Service where it is provided in relation to accounts in Malaysia/Labuan and/or where the Service is provided in Malaysia/Labuan: (a) Any references in the Service Terms to the term "Bank," shall mean J.P. Morgan Chase Bank Berhad (for Malaysia) and J.P. Morgan Chase Bank, N.A., Labuan Branch (for Labuan). (b) The Customer acknowledges that it may, through its security administrators, create maximum limits (at a user entitlement level) in relation to funds transfers that may be conducted using the Service, to limit the Customer's risks. Notwithstanding anything to the contrary in these terms, the Customer shall not be liable for any loss which is not attributable to or contributed to by the Customer. (ii) If the Service is to be accessed by a Customer (1) who is domiciled or incorporated in Malaysia (other than Labuan), or (2) in Malaysia (other than Labuan), that Customer undertakes not to access or utilize or attempt to access or utilize the Service provided by J.P. Morgan Chase Bank Berhad through any JPMorgan website other than hftp://www.jpmorganaccess-com-my. E. 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. Notwithstanding anything to the contrary contained in these Service Terms and the Account Documentation as applicable to the services provided under these Service Terms, the Bank shall have the right to proceed against the Customer in any other competent court in any other jurisdiction where the Customer's assets are situated from time to time and the Customer agrees to submit to the jurisdiction of any court so chosen by the Bank. The Customer further agrees to waive any objections on the ground of venue or forum non coveniens or any similar ground. The taking of proceedings in any jurisdiction shall not preclude the taking of proceedings in any other jurisdiction whether concurrently or not. The Customer irrevocably and unconditionally waives any objection it may now or subsequently have to the choice of venue of any legal action arising out of or relating to these Service Terms and the Account Documentation as applicable to the services provided under these Service Terms. The Customer also agrees that a final judgment against it in any such legal action shall be final and conclusive. PN: 1329506 DOC ID: 1 Page 25 of 40 Exhibit "B" F. 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 anon-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 hftp://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 Act 1998 (the "Act") and other relevant data protection legislation. 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) The Bank will use personal data collected by it or on its behalf via the Collection Methods for the following purposes (the "Purposes"), namely for the purpose of providing the services to the Customer in accordance with these Terms and the Product Terms, for the Bank Y s internal administrative purposes, for contacting the Customer about products and services which the Bank or other members of the Bank Y s group offer which the Bank believes may be of interest to the Customer, and as may be otherwise required by law or applicable regulatory or governmental authorities, and such purposes may include transfer of such personal data outside of the European Economic Area to the Bank's subsidiaries or other connected companies or to other organizations as may be required by law or other applicable regulatory or governmental authorities. (iii) The Customer shall ensure that any disclosure of personal data made by it or by its employees or agents via the Collection Methods which relate to the Customer's employees or agents is only made following notification by the Customer to data subjects of the Purposes for which their personal data may be processed by or on behalf of the Bank, and is otherwise fair and lawful. 02011 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. PN: 1329506 DOC ID: 1 Page 26 of 40 Exhibit it B it ACCOUNT TEMMOM,�Rmms% INTRODUCTION VI *4 02 24 15 This document, as amended or supplemented by account addenda for each country in which the Accounts are held, (collectively, the "Account Terms") contains the general terms, conditions and disclosures for the Accounts and Services selected by the Customer and constitutes an agreement between the Bank and the Customer. References to "the Bank" shall mean JPMorgan Chase Bank, N.A., and any of its affiliates. References to the "Customer" shall mean the entity to which the Bank, as an independent contractor, provides Accounts and Services, including any entity that is bound by a Subsidiary Election Agreement (not applicable in all jurisdictions), as may be amended from time to time. All accounts subject to the Account Terms are, regardless of their location, referred to as "Accounts". The Account Terms may be supplemented or amended as set forth in Section 17.6 (Amendments; Supplement; Waivers) herein. References to "Services" shall mean services offered by the Bank and subject to the Account Terms and any applicable Service Terms. References to "Service Terms" shall mean any terms and conditions regarding specific types of Accounts or Services that are subject to the Account Terms. In addition to the Account Terms and Service Terms, the Accounts are subject to other Account - related documentation, including signature cards and application forms (the "Account Documentation"). The Customer shall not transfer any of its rights and obligations in an Account or with respect to a Service, or create any form of security interest over such rights and obligations in an Account, without the prior written consent of the Bank. Failure to obtain the Bank's prior written consent constitutes a breach of these Account Terms by the Customer and may result in immediate closure of Accounts. The Account Terms, Account Documentation and Service Terms may vary applicable law to the maximum extent permitted under any such law. Any provision of applicable law that cannot be varied shall supersede any conflicting term of the Account Terms, Account Documentation or Service Terms. 1. Authorized Persons. 181 Authorized Persons. The Bank is authorized to rely upon any document that identifies a person authorized to act on behalf of the Customer ("Authorized Person") with respect to the Accounts and Services, until the authority for such Authorized Person is withdrawn by the Customer upon written notice to the Bank, and the Bank has had a reasonable opportunity to act on such notice. The Customer will provide a specimen signature for each Authorized Person in the manner requested by the Bank. 1.2 Authorizations. Each Authorized Person is independent of the Bank, and, subject to any written limitation provided by the Customer and received and accepted by the Bank, is authorized on behalf of the Customer to: open, operate and close Accounts; overdraw Accounts as permitted by the Bank; appoint and remove Authorized Persons; execute or otherwise agree to any form of agreement relating to the Accounts or Services, including Account Documentation; execute guarantees, indemnities or other undertakings to the Bank in relation to guarantees, letters of credit or other financial transactions, or in relation to missing documents; draw, accept, endorse or discount checks, drafts, bills of exchange, notes and other financial instruments (" Items"); receive materials related to security procedures; and give instructions ("Instructions"), including requests and payment orders, by means other than the signing of an Item, with respect to any Account transaction. Without limitation, such Instructions may direct: (i) the payment, transfer or withdrawal of funds; (ii) the disposition of money, credits, items or property at any time held by the Bank for account of the Customer; (iii) the provision of access as described in Section 1.4 (Third Party Access) and Section 2.1 (Third Party Instructions) below; or (iv) any other transaction of the Customer with the Bank. 1.3 Facsimile Signatures. If the Customer provides the Bank with facsimile signature specimens, or if the Customer issues Items with a facsimile signature on one or more occasions, the Bank is authorized to pay Items signed by facsimile signature (including computer generated signatures) if the actual or purported facsimile signature, regardless of how or by whom affixed, resembles the specimens filed with the Bank by the Customer, or resembles a specimen facsimile signature otherwise employed for the Customer's benefit. 1w4 Third Party Access. The Customer may request that the Bank permit a third party to have access to an Account by submitting an access request in a form acceptable to the Bank (an "Access Request", and the third party designated in such fo will be referred to as a "Third Party"). Each Third Party is authorized by the Customer to issue Instructions to the Bank in relation to an Account, including to initiate payments and transfers against an Account, and to access and receive balance and transaction information (including account statements, information reporting and transaction advices) by any method of communication, including the Bank's electronic channels, facsimile transmission, in writing, by telephone and SWIFT, and the Bank is authorized to act on such Instructions and provide such access as described in this Section and Section 2.1 (Third Party Instructions) below. Subject to the Third Party's completion of documentation required by the Bank, the Bank is authorized to act upon any Instructions issued in the name of any authorized person of the Third Party who has been nominated by the Third Party in a form acceptable to the Bank, and such authorized person shall be deemed an Authorized Person with respect to the provisions of these Account Terms relating to the use of the Accounts and the giving of Instructions with respect to the Accounts. The Customer may revoke an Access Request at any time by giving the Bank written notice of such revocation. 2. Instructions; Security Procedures. 2.1 Security Procedures Generally. When issuing Instructions, the Customer is required to follow the Bank's security procedures as communicated to the Customer by the Bank from time to time, including the procedures set forth herein, and shall be bound by such security procedures for use of the Service. Upon receipt of an Instruction, the Bank will use the security procedures to verify that the Instruction is effective as that of the Customer. A security procedure may require the use of algorithms or other codes, identifying words or numbers, encryption, call back procedures or similar security devices. It is understood that the purpose of the security procedure is to verify the authenticity of, and not to detect errors in, Instructions. The Customer shall safeguard the security procedure and make it available only to persons that it has authorized. Any Instruction, the authenticity of which has been verified through such security procedure, shall be effective PN: 1329506 DOC ID: 2 Page 27 of 40 Exhibit B" as that of the Customer, whether or not authorized. An authenticated SWIFT or host -to -host (secure communications channel for data transfer) message issued to the Bank in the name of the Customer shall be deemed to have been given by an Authorized Person. Security Procedure for Verbal or Written Instructions. Unless the Customer and the Bank have agreed in writing to an alternate security procedure, the Bank may verify the authenticity of verbal or written (including those transmitted by facsimile) funds transfer Instructions by telephonic call-back to an Authorized Person. The Customer agrees that this security procedure is commercially reasonable for such Instructions. Third Party Instructions. The security procedures applicable to Instructions from any Third Party shall be those security procedures established by the Bank with the Third Party. Any Instruction that the Bank receives from the Third Party, the authenticity of which has been verified through such security procedure, shall be effective as that of the Customer, whether or not authorized, and shall be deemed an Instruction given on behalf of the Customer for all purposes of these Account Terms. The Bank is authorized to act upon any Instructions received via any of the SWIFT BIC codes specified in an Access Request whether or not such SWIFT BIC codes are associated with the Customer or the Third Party. 2.2 Confirmations. If the Customer, other than with respect to security procedures, chooses to confirm an Instruction, any confirmation must be clearly marked as a confirmation, and, if there is any discrepancy between an Instruction and a confirmation, the terms of the Instruction shall prevail. Subject to Section 2.1 (Security Procedure for Verbal or Written Instructions), the Bank may, at its option, confirrn or clarify any request or Instruction using any means, even if a security procedure appears to have been followed. If the Bank is not satisfied with any confirmation or clarification, it may decline to honor the Instruction. 3. Deposits. 3al Processing Incoming Items. All Items deposited or cashed are received for collection only, and are received subject to final payment. The Bank may agree with other banks and clearing houses to vary procedures regarding the collection or return of Items, and deadlines to the extent permitted by applicable law or practice. The Bank chooses the method of collecting Items and may use other banks in the process. The Bank will present Items in accordance with the custom and practice of the jurisdiction in which the Items are collected. The Bank is not responsible for actions or omissions of other banks, nor for the loss or destruction of any Item in the possession of other banks or in transit. The Customer shall use reasonable efforts to assist the Bank in locating or obtaining replacements of Items lost while in the Bank's possession. 3.2 Availability of Funds; Credits Not Received. Credits and deposits to an Account will be available in accordance with the Bank's availability policy and applicable law. If the Bank credits an Account: (i) in contemplation of receiving funds for the Customer's credit and those funds are not actually received by the Bank, or (ii) in reliance on a transaction which is subsequently returned, reversed, set aside or revoked, or if the Bank does not receive funds for the Customer's credit for value on the date advised by or on behalf of the Customer, or if final settlement is not received by the Bank for any reason, then the Bank shall be entitled to debit any Account of the Customer with the amount previously credited and/or with any other charges incurred, even if doing so creates or increases an overdraft. 3.3 Collection Basis Processing. If an Item is processed by the Bank on a collection basis, the Bank may defer credit or payment for a reasonable time, in accordance with its practices, without dishonor; and the Bank shall not be obligated thereon until it has remitted final payment. 4. Payment of Items. 4ml Processing Outgoing Items. The Bank is authorized to pay any Item drawn on the Account, in accordance with the Bank's usual procedures, including any Item that purports to be a substitute check. The Bank is authorized to debit the Account on which the Item is drawn on the day the Item is presented, certified or accepted, or at such earlier time when the Bank receives notice by electronic or other means that an Item drawn on an Account has been deposited for collection. The Bank may determine Account balances in order to decide whether to dishonor an Item for insufficient funds at any time between receiving such presentment or notice and the time of the return of the Item, and need make no more than one such determination. 4.2 No Inquiry. The Bank is authorized to pay all Items presented to it or cashed at the Bank, regardless of amount and without inquiry as to the circumstances of issue, negotiation or endorsement or as to the disposition of proceeds, even if drawn, endorsed or payable to cash, bearer or the order of the signer or any Authorized Person or to a lender in payment of the signer's or Authorized Person's obligations. 4.3 Limitations. The Customer shall immediately notify the Bank if it becomes aware that any Items (whether completed or blank) are lost or stolen. The Customer shall not allow any third party to issue Items against or otherwise use the Accounts unless specifically agreed to in writing by the Bank. The Customer shall not issue Items that are post-dated, and the Bank shall not be liable for any damages caused by premature payment or certification of a post-dated Item. Further, the Customer shall not put any condition, restriction or legend on any Item, and the Bank is not required to comply with any such condition, restriction or legend. 4w4 Electronic Processing; Specifications. The Bank may process any Item by electronic means. All Items issued by the Customer against any Account must comply with industry standards and the Bank's check specifications and image standards, published from time to time. The Bank shall not be liable for damages or losses due'to any delay or failure in procuring, collecting or paying Items not conforming to such specifications or standards, except to the extent such losses or damages are the direct result of the Bank's gross negligence or willful misconduct. PN: 1329506 DOC ID: 2 Page 28 of 40 Exhibit B" 5. Funds Transfer Instructions. 5al Processing Funds Transfer Instructions. 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. Communications requesting cancellation or amendment of funds transfer Instructions must be clearly marked as such and received at a time and in a manner affording the Bank a reasonable opportunity to act on the communication. The Customer may reverse, amend, cancel or revoke any Instructions only with the consent of the Bank and, if applicable, the beneficiary's bank. The Bank will debit the Account for the amount of each funds transfer Instruction accepted by the Bank, and the Customer authorizes the Bank to debit the Account for, or deduct from the amount of the funds transfer, all associated fees, including debit and credit processing charges. In processing a funds transfer, other banks may deduct fees from the funds transfer. No restrictions upon the acceptance of funds transfer Instructions by the Bank or upon the Accounts that the Bank may debit shall be binding unless agreed to by the Bank in writing. The Bank shall not be required to inquire into the circumstances of any transaction. 5w2 Acting on Instructions. Notwithstanding any Instructions by the Customer to the contrary, the Bank reserves the right to use any funds transfer system and any inte ediary bank in the execution of any funds transfer Instruction and may otherwise use any means of executing the funds transfer Instruction that the Bank deems reasonable in the circumstances. 5.3 Inconsistent Name and Number. The Bank and other financial institutions, including the beneficiary's bank, may rely upon the identifying number of the beneficiary, the beneficiary's bank or any intermediary bank included in a funds transfer Instruction, even if it identifies a person different from the beneficiary, the beneficiary's bank or intermediary bank identified by name. 5e4 Foreign Exchange. If the Bank accepts a funds transfer Instruction issued in the Customer's name for payment in a currency (the "Non - Account Currency") other than the currency of the Account (the "Account Currency"), the Bank is authorized to enter into a foreign exchange transaction to sell to the Customer the amount of Non -Account Currency required to complete the funds transfer and debit the Account for the purchase price of the Non -Account Currency. If the Bank accepts a funds transfer Instruction for payment to the Account in aNon-Account Currency, the Bank is authorized to purchase the Non -Account Currency from the Customer and to credit the purchase price to the Customer's Account in lieu of the Non -Account Currency. The purchase price for the foregoing transactions shall be at a rate and spread as the Bank determines in its discretion and may differ from rates at which comparable transactions are entered into with other customers or the range of foreign exchange rates at which the Bank otherwise enters into foreign exchange transactions on the relevant date. Any such foreign exchange transaction will be between the Bank and the Customer as principals, and the Bank will not be acting as agent or fiduciary for the Customer. Foreign Exchange Cancellations, Reversals and Buybacks. Notwithstanding any prior action or course of dealing, subject to applicable law, the Bank has no obligation to cancel, reverse or otherwise buy back foreign currencies purchased by the Customer under a Service and the Bank makes no commitment to buy back currencies. The Customer acknowledges that it may not be able to sell back certain foreign currencies once purchased. 5.5 Cancellation of Foreign Exchange Drafts. Subject to applicable law, the Bank may cancel any draft issued by the Bank on behalf of the Customer in aNon-Account Currency if the draft is not presented for payment within one hundred eighty (180) calendar days after the date of issuance, and the Customer authorizes the Bank to recredit the Customer's Account with an equivalent amount of Account Currency at a foreign exchange rate and spread, and at such date and time, as the Bank dete ines in its discretion. Following such cancellation, the Customer shall be responsible for all claims that may be asserted against the Bank in respect of the draft. 6. Interests, Fees; Taxes. 6al Interest. The Bank may pay interest on balances in interest -bearing Accounts at rates determined by the Bank, subject to any withholding or deduction for tax as required by applicable law, and is authorized to perform any other function (including blocking or suspending the Accounts) as required by applicable law or practice of any relevant tax authority or in accordance with the Bank's usual business practice. The Bank may deduct from the Accounts charges for early withdrawals, which may include a deduction from principal (if permitted or required by law). To the extent market interest rates are negative, the rate applied by the Bank to interest-bearing Accounts may be negative, in which case the Customer may be required to make a negative rate payment, which the Bank shall also be entitled to collect by debiting the Account. 6.2 Fees and Taxes. (a) The Bank may impose and the Customer will pay fees for Accounts and Services provided by the Bank, including transaction, maintenance, balance -deficiency, and service fees and other charges (collectively "Fees"). The Bank may debit any Account for Fees and/or Taxes, even if such debit creates or increases an overdraft of the Account. References to "Taxes" shall mean any taxes (including value added taxes, sales taxes and similar taxes), levies, imposts, deductions, charges, stamp, transaction and other duties and withholdings (together with any related interest, penalties, fines, and expenses) in connection with the Fees, Accounts or Services (including payments or receipts to an Account) except if such Taxes are imposed on the overall net income of the Bank. (b) All payments (including Fees and interest on overdrafts) from the Customer to the Bank shall be in full, without set-off or counterclaim, and free of any withholding or deduction (collectively, a "Deduction") related to any tax or other claim, unless a Deduction is required by applicable law. If any Deduction is required by applicable law in respect of any payment due to the Bank, the Customer shall: (i) ensure that the Deduction is made; PN: 1329506 DOC ID: 2 Page 29 of 40 Exhibit "B" (ii) pay the amount of the Deduction as required by applicable law; increase the payment in respect of which the Deduction is required so that the net amount received by the Bank after the Deduction shall be equal to the amount which the Bank would have been entitled to receive in the absence of any requirement to make any Deduction; and (iv) deliver to the Bank, within thirty (30) days after it has made payment to the applicable authority, a certified copy of the original receipt issued by the authority, evidencing the payment to the authority of all amounts required to be deducted. (c) All Fees are exclusive of Taxes. In addition to any Fees or other amounts due and except to the extent the Bank is otherwise compensated for such Taxes under this Section 6, the Customer will pay or reimburse the Bank for any Taxes which the Bank is required to account for to any tax authority under any applicable law and, where required by applicable law, the Customer shall account for any Taxes directly to the applicable tax authority. 6.3 Documentation and Information. The Customer will provide the Bank with such documentation and information as the Bank may require in connection with taxation, and warrants that such information is true and correct in every respect and shall immediately notify the Bank if any information requires updating or correction. 7. Account Statements. The Bank will issue Account statements, confirmations, or advises ("Account Statements") at the frequency and in the manner advised to the Customer from time to time. The Customer is responsible for ensuring that an Authorized Person promptly examines each Account Statement and any accompanying Items that are made available to it by the Bank, and reporting any irregularities to the Bank in writing, including any claim of unauthorized funds transfer activity. The Bank shall not be responsible for the Customer's reliance on balance, transaction or related information that is subsequently updated or corrected or for the accuracy or timeliness of information supplied by any third party to the Bank. Internet Account Statements 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. 8. Overdrafts. 8al Overdrafts. The Bank may debit an Account even if the debit may cause or increase an overdraft. Unless otherwise agreed in writing, any overdraft shall be immediately due and payable by the Customer to the Bank. If the Bank permits an overdraft, the Bank is authorized to charge interest on the amount of the overdraft as long as the overdraft is outstanding, at a rate determined by the Bank, up to the maximum rate permitted by law at the time of the overdraft or at the specific rate agreed in writing between the Customer and the Bank. Subject to applicable law, interest shall accrue on any negative balance in an Account notwithstanding closure of the Account and/or termination of these Account Terms. If the Bank pays an Item that causes or increases an overdraft, the Bank may deduct applicable Fees and expenses from the Account without notice. Unless otherwise agreed in writing, the Bank is under no obligation to permit any overdraft or t ontinue to permit overdrafts after having permitted an overdraft, notwithstanding any prior action or course of dealing. 8.2 Order of Payment. When Items and other debits to the Account are presented to the Bank for payment on the same day and there are insufficient available funds in the Account to pay all of these transactions, the Bank may choose the order in which it pays transactions, including the largest transaction first or any other order determined by the Bank, in its sole discretion. s. Set Off. The Bank may at any time, without prejudice to any other rights which it may have, and without prior notice or demand for payment, combine, consolidate or merge all or any of the Accounts of the Customer or may retain, apply or set off any money, deposits or balances held in, or standing to the credit of, any Account in any currency towards payment of any amount owing by the Customer to the Bank or any of its affiliates. The Bank shall be entitled to accelerate the maturity of any time deposit or fixed term deposit. For the purposes of this Section the Bank may effect currency conversions at such times or rates as it may think reasonable and may effect such transfers between any Accounts as it considers necessary. The Customer grants to the Bank a lien and security interest in any Accounts of the Customer at the Bank, in order to secure any and all obligations and liabilities of the Customer to the Bank or any of its affiliates. 10. Agents; Information. 10.1 Confidential Information. The Bank agrees to take customary and reasonable measures to maintain the confidentiality of Customer confidential information. The Customer authorizes the Bank and its affiliates to disclose Account opening documentation, information with respect to any Account or Service, any banking transaction, and the Customer itself, including Customer confidential information, in order to provide the services under the Account Terms, Account Documentation and Service Terms, for compliance with legal and regulatory requirements, and for the Bank's operational purposes, risk management and compliance with internal policies: (i) to unaffiliated third parties, including the transmission of information to other banks and clearing houses and through channels and networks operated by third parties, and to agents of the Bank, (ii) to a proposed assignee of the rights of the Bank; (iii) to branches and affiliates of the Bank; (iv) to the auditors, legal advisers and consultants of the Bank, its branches and affiliates; (v) to the auditors of the Customer; (vi) to the Bank's or its affiliates' or the PN: 1329506 DOC ID: 2 Page 30 of 40 Exhibit B" Customer's examiners or other regulators, including tax authorities, law enforcement agencies, courts of competent jurisdiction or other official bodies, anywhere in the world, and (vii) pursuant to subpoena or other court process, or to establish, exercise or defend the legal rights of the Bank and its affiliates. 10.2 Agents. The Bank may retain agents to perform data processing, collection and other services in connection with the Accounts and Services. 10.3 Offshoring. Subject to applicable laws, processing of Customer confidential information may be performed by any Bank affiliate, including affiliates, branches and units located in any country in which we conduct business or have a service provider. The Customer authorizes the Bank to transfer Customer Information to such affiliates, branches and units at such locations as the Bank deems appropriate. 10.4 Consents. The Customer represents and warrants that prior to submitting to the Bank information about natural persons related to the Customer (including Authorized Persons, users of the Bank's electronic access systems, officers and directors, employees, beneficial owners, customers or other personnel), the Customer shall have obtained such consents as may be required by applicable law or agreement, for the Bank to process and use the information for purposes of providing the Services. 11. Liability Limitation; Force Majeure. 11.1 Liability. The Bank, its agents, employees, officers and directors, shall not be liable for any damage, loss, expense or liability of any nature which the Customer may suffer or incur, except to the extent of direct losses or expenses resulting from the gross negligence or willful misconduct of the Bank, its agents, employees, officers or directors. The Bank, its agents, employees, officers and directors shall not, in any event, be liable for indirect, special, consequential or punitive loss or damage of any kind (including lost profits), whether or not foreseeable, even if the Bank, its agents, employees, officers or directors have 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, its agents, employees, officers or directors. Customer shall promptly provide the Bank with a notice of any claims it receives regarding a Service. 11.2 Force Majeure. Neither the Bank nor the Customer shall be liable for any loss or damage to the other for its failure to perform or delay in the performance of its obligations resulting from an act of God, act of governmental authority, de jure or de facto, legal constraint, war, terrorism, catastrophe, fire, flood or electrical, computer, mechanical or telecommunications failure, or failure of any agent or correspondent, or unavailability of a payment system, or any cause beyond its reasonable control. 12. Indemnity. The Customer agrees to indemnify and hold the Bank, and its agents, employees, officers and directors, ha less from and against any and all claims, damages, demands, judgments, liabilities, losses, costs and expenses (including attorneys' fees) (collectively, "Losses") resulting directly or indirectly from: (i) the Bank's acceptance or execution of any request, direction or transaction in connection with any Account or any Service provided to the Customer, including Items and Instructions (a) issued by an Authorized Person, (b) issued in accordance with the agreed upon security procedures or (c) on which the Bank is otherwise permitted to rely; or (ii) the Bank's payment of any taxes, interest or penalty otherwise due from the Customer paid on the Customer's behalf, or for which the Bank has no responsibility under the Account Terms. Notwithstanding the foregoing, the Bank shall not be indemnified for any Losses to the extent resulting directly from its own gross negligence, willful misconduct or fraud. 13. Notices. All Account Statements and notices may be sent to the Customer by ordinary mail, courier, facsimile transmission, electronic transmission (including SWIFT communication and emails), through internet sites, or by such other means as the Customer and the Bank may agree upon from time to time, at the address of the Customer provided to the Bank. Unless otherwise arranged, all notices to the Bank must be sent to the Bank officer or service representative managing the Account or to any other address notified by the Bank to the Customer in writing from time to time, and must be sent by ordinary mail, by courier, by facsimile transmission, by electronic transmission or by such other means as the Customer and the Bank agree upon from time to time. The Bank shall have a reasonable time to act on any notices received. 14. Termination. Unless otherwise agreed, either the Bank or the Customer may close an Account or terminate a Service by giving the other party not less than thirty (30) calendar days' prior written notice of intent to close or terminate. Notwithstanding the foregoing, either party may terminate an Account or a Service upon written notice to the other party in the event of: (i) a breach of the Account Terms, Account Documentation or Service Terms by the other party; (ii) the other party's inability to meet its debts as they become due, receivership, administration, liquidation, or voluntary or involuntary bankruptcy; or the institution of any proceeding therefor, any assignment for the benefit of the other party's creditors, or anything analogous to the foregoing in any applicable jurisdiction, or a determination in good faith by the terminating party that the financial or business condition of the other party has become impaired; (iii) a determination by the terminating party, in its sole opinion, that termination is necessary or required by applicable law, or as a result of a court or regulatory agency order or proceeding; or (iv) a good faith belief by the terminating party that the other party is engaged in activities that are inconsistent with the terminating party's policies. The Bank shall have a reasonable opportunity to act upon any termination request. The Bank shall not be precluded from completing a request or Instruction received by it prior to a termination request based on receipt of such termination request. 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 PN: 1329506 DOC ID: 2 Page 31 of 40 Exhibit "B" to bythe parties) and the Bank's obligations in respect of such Account or Services will terminate. 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. In the absence of Instructions from the Customer, the Bank may transfer balances to an unclaimed moneys account, or issue a cashier's check, sending it to the address of the Customer provided to the Bank. 15. Account Disclosures. 15al Rejection of Funds. The Bank may return or refuse to accept all or any part of a deposit or credit to an Account, at any time, and will not be liable to the Customer for doing so, even if such action causes outstanding Items to be dishonored and returned, or payment orders to be rejected. Refused deposits will be returned to the Customer. 15.2 Withdrawal. The Bank may refuse to allow withdrawals from any Account in certain cases, including cases where: (i) there is a dispute about the Account, including any dispute over which persons are authorized to represent or act for the Customer (unless a court or other competent authority has ordered the Bank to allow the withdrawal); provided that the Bank is not required to determine whether a dispute has merit in order to refuse to allow withdrawal of funds; (ii) a legal garnishment or attachment is served, including a levy, restraining notice, court order, or order of a judicial authority or enforcement agency; (iii) the Account is being used as collateral to secure a debt; (iv) documentation related to the Account has not been presented; or (v) the Customer fails to pay its indebtedness to the Bank or its affiliates on time. 15.3 Payable Branch; Deposits Outside of the U.S. Any amount standing to the credit of any Account with the Bank is payable exclusively at a branch in the country at which the Account is held; however, payment may be suspended from time to time in order to comply with any applicable law, governmental decree or similar order, in any jurisdiction, for the time period affecting the Bank, its officers, employees, affiliates, subsidiaries, agents or correspondents. The Customer acknowledges that deposits held in a branch of the Bank located outside the United States are not payable in the United States and: (i) are not insured by the Federal Deposit Insurance Corporation or any other United States governmental agency; (ii) are subject to cross -border risks; and (iii) have a lesser preference as compared to deposits held in the United States in the event of a liquidation of the Bank. 15.4 Commissions and Rebates. In connection with the provision of any Service by the Bank to the Customer, the Bank may from time to time receive commission, rebate or similar payments from other banks or third parties. 16. Governing Law. 16.1 Governing Law. The Account Terms, the relevant Account Documentation and the rights and obligations of the Customer and the Bank in respect of each Account shall be governed by and construed in accordance with the laws of the country in which the branch holding the relevant Account is located. 16.2 Waiver of Jury Trial; Limitation of Claims. The Customer and the Bank hereby irrevocably waive all right to, and will not seek, trial by jury in any action, proceeding or counterclaim, of whatever type or nature, arising out of these Account Terms, the Account Documentation or the relationship established hereby. Any claim in connection with any Account or Service, unless a shorter period of time is expressly provided, must be brought against the Bank within two (2) years of the occurrence of the event giving rise to the claim, except as prohibited by applicable law. 16.3 Venue. In relation to each Account, the courts of the country or state in which the branch of the Bank at which the Account is held shall have exclusive jurisdiction to settle any disputes that arise out of or are connected with the Account Terms, the Account Documentation and/or the Account and the Customer agrees to submit to the jurisdiction of such courts. This section is for the benefit of the Bank only and does not prevent the Bank from taking proceedings in the courts of any other country or state with jurisdiction including, to the extent allowed by law, concurrently in any number of countries or states. 17. Miscellaneous. 17al Languages. If the Account Terms, Account Documentation or Service the English language version shall control. Terms are translated into, or appear in a language other than English, 17.2 Successors. The term Bank shall include any successors of the Bank, including assignees or successors of JPMorgan Chase Bank, N.A. or its affiliates or any person who has assumed the rights and obligations of the Bank or its affiliates hereunder or to which the same has been transferred. 17.3 Order of Precedence. Any terms of any supplement, amendment, agreement, Service Terms or notice that are inconsistent with a provision of the Account Terms or the Account Documentation shall supersede such provision of the Account Terms or the Account Documentation for purposes of the particular Account or Service that is the subject thereof. The Account Terms and Account Documentation supersede and replace any other account conditions previously sent to the Customer. 17.4 Interpretation. Section and subsection headings are for convenience only and shall not affect the meaning of the Account Terms. If any provision of the Account Terms shall be held to be illegal, invalid, or unenforceable the validity of the remaining portions of the Account Terms shall not be affected. The te "including" shall in all cases mean "including without limitation" unless otherwise indicated. The term "affiliates" shall mean with respect to any entity, an entity, whether directly or indirectly, that controls, is controlled by, or is under common control with that PN: 1329506 DOC ID: 2 Page 32 of 40 Exhibit B" entity. The term " applicable laws" or similar terms shall mean any law, statute, order, decree, rule, injunction, license, consent, approval, agreement, guideline, circular or regulation of a government authority. 17.5 Compliance; Transaction Screening. The Customer shall comply with all applicable laws and the Bank's policies notified to the Customer. The Bank is required to act in accordance with Bank policies, the laws of various jurisdictions relating to the prevention of money laundering and the implementation of sanctions, including economic or financial sanctions or trade embargoes imposed, administered or enforced from time to time by the U.S. government, including those administered by the Office of Foreign Assets Control of the U.S. Department of the Treasury or the U.S. Department of State. The Bank is not obligated to execute payment orders or effect any other transaction where a party to the transaction is a person or entity with whom the Bank is prohibited from doing business by any law applicable to the Bank, or in any case where compliance would, in the Bank's opinion, conflict with applicable law or banking practice or its own policies and procedures. Where the Bank does not execute a payment order or effect a transaction for such reasons, the Bank may take any action required by any law applicable to the Bank including freezing or blocking funds. Transaction screening may result in delays in the posting of transactions and/or funds availability. The Bank may direct the Customer to make changes to the activity in the Customer's Accounts, including to cease and desist from using the Accounts for particular types of transactions or for transactions involving particular parties from time to time. The Customer agrees to comply with such directions. 17.6 Amendments; Supplements; Waivers. The Account Terms may be amended or supplemented on notice to the Customer, including by terms contained in any Service Terms or Account Documentation. The Service Terms may be amended or supplemented on notice to the Customer. These amendments or supplements may impose restrictions on the Accounts and Services, as the Bank deems necessary in the course of its business, and will be effective on notice to the Customer or at such other time to be specified in the notice; provided that amendments or supplements that are required by law may be implemented immediately or as required by law. By signing an Account signature card, Account application or similar document or by using or continuing to use any of the Accounts or Services, the Customer agrees to the Account Terms, the Account Documentation, Service Terms and any amendments or supplements, as applicable. All amendments must be in writing. The Bank may waive any of provision of these Account Terms, the Account Documentation or the Service Te s, but such waiver shall apply only on that occasion. Such waiver shall not constitute a waiver of any other provision of the Account Terms, the Account Documentation or the Service Terms. Any such waiver shall not affect the Bank's right to enforce any of its rights with respect to other customers or to enforce any of its rights with respect to later transactions with Customer and is not sufficient to modify the terms and conditions of the Account Terms, the Account Documentation or the Service Terms. 17.7 Waiver of Immunity. 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 as against the Bank or its affiliates. 17.8 Internet Services; Notice of Claims. The Customer agrees at its sole expense: (i) to advise each of its employees, officers, agents or other persons accessing any Service by or on behalf of Customer ("Users") of their obligations under the Account Terms, Account Documentation or under any Service Terms or ancillary Service material, including the obligation to refrain from using the Service via the Internet in the countries identified by the Bank; and (ii) to provide the Bank with all information reasonably necessary to setup and provide Services for the Customer, including advising the Bank of the countries from which Users will access any Service via the Internet. 17.9 Recordings. The Bank or the Customer, at its sole discretion, may make and retain recordings of telephone conversations between the Customer and the Bank. 17.10 Instructions. All Instructions, whether Items, payment orders or otherwise, are subject to applicable laws, and rules, policies, operations and practices of the applicable clearing or settlement systems or payment networks. 17.11 Electronic Copies. The Bank may retain copies (paper, electronic or otherwise) of any documents or Items relating to the Accounts and Services in a form preserving an image of any such documents or Items, including signatures, or a regular business record and discard the original documents or Items. The Customer hereby waives any objection to the use of such records in lieu of their paper equivalents for any purpose and in any forum, venue or jurisdiction, including objections arising from the Bank's role or acquiescence in the destruction of the originals. 17-12 Intellectual Property. All intellectual propel names used in conjunction with a Service a trademark and other intellectual property law. establish any hyperlink to, provide access to, consent of the Bank. ty rights in or relating to a Service, including any trademarks, service marks, logos, and trade Pe the property of the Bank or its licensors and are protected by applicable copyright, patent, Except as provided herein, the Customer shall not reproduce, transmit, sell, display, distribute, modify, or commercially exploit in whole or in part any part of a Service, without the prior written 17-13 Know Your Customer. To assist in the prevention of the funding of terrorism and money laundering activities, applicable law may require financial institutions to obtain, verify, and record information that identifies each person who opens an Account. What this means for the Customer: when the Customer opens an Account, the Bank may ask for the Customer's name, address, date of birth (for individuals), and/or other information and documents that will allow the Bank to identify the Customer. The Bank may also request and obtain certain information from third parties regarding the Customer. For purposes of this provision, the Customer, to the extent required by applicable law, shall include any signatory on an Account. If the Customer fails to provide or consent to the provision of any such information, the Bank may dose any Account or discontinue providing any Service without further notice. PN: 1329506 DOC ID: 2 Page 33 of 40 Exhibit "B" 111WI Information. To fulfill the Bank's "know your customer" responsibilities, the Bank will request information from the Customer from time to time regarding the Customer's organization, business and, to the extent applicable, persons or entities maintaining bank accounts with the Customer. The Bank may also request further information and/or documentation in connection with the provision of the Services. Any information and/or documentation furnished by the Customer is the sole responsibility of the Customer and the Bank is entitled to rely on the information and/or documentation without making any verification whatsoever (except for the authentication under the security procedures, as applicable). The Customer represents and warrants that all such information and/or documentation is true, correct and not misleading and shall advise the Bank promptly of any changes and, except as prohibited by applicable law, the Customer agrees to provide complete responses to the Bank's requests within the timeframes specified. Unless prohibited by applicable law, the Customer agrees to promptly disclose to the Bank activity in the Customer's Accounts that is suspicious or violates applicable laws or sanctions. 17.14 Click-Thru. 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 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, 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. 18. Interpleader. If there is a dispute regarding the ownership of or entitlement to funds held by the Bank for the account of the Customer, the Bank may apply to an appropriate court for resolution of the dispute and may pay the funds into the court pending resolution. The Customer agrees to reimburse the Bank for any related expenses, including its attorneys' fees and costs. 19. Provisional Recredit. In connection with any dispute regarding an Account, the Bank may choose to credit the Account pending completion of the Bank's investigation of the dispute. If the Bank determines that the Customer is not entitled to such credit, then, the Bank may reverse the provisional recredit to the Account, even if that reversal results in an overdraft. PN: 1329506 DOC ID: 2 Page 34 of 40 Exhibit "B" ADDENDUM TO GLO ACCOUN ERMS lUn'itedStatesofA ericaVI..5021916$9 This addendum ("Addendum") supplements the Bank's Account Terms and applies solely to Accounts maintained in the United States of America ("U.S.") and to Services provided in connection with such U.S. Accounts, regardless of the location where Services are executed or performed. Capitalized terms used in the Addendum, and not otherwise defined, have the meanings set forth in the Global Account Terms (as defined below). By using any Account maintained in the U.S., the Customer acknowledges receipt of, and agrees to be bound by the Account Terms and this Addendum, each as may be amended or supplemented from time to time. For purposes of this Addendum, references to the "Global Account Terms" means the Account Terms excluding any account addenda for each other country in which the Accounts are held. The INTRODUCTION to the Global Account Terms is hereby supplemented with the following provision: The Bank performs Account functions and Service activities in various locations, by various methods including electronic or automated means, and through various interbank and third party collection, payment and data arrangements, including those provided by the U.S. Federal Reserve Bank System, check truncation and image exchange systems, and collection/payment clearinghouses. These functions, services, arrangements and systems are subject to laws, federal regulations, banking system practices and procedures, operating circulars, interbank agreements, and clearinghouse and association rules (collectively, "Rules & Regulations" ) and the Uniform Commercial Code Official Text and Comments applicable to funds transfers and the bank deposit, collection or payment of negotiable instruments and other items (such text and comments, excluding the choice of law rules, the "UCC"). Section 3 of the Global Account Terms (Deposits) is hereby supplemented with the following provisions: 3.4 Verification; Adjustments. The Bank may provide or make available upon request a receipt or similar document for certain deposits to the Customer's Account. However, the amount on such receipt or similar document is based solely on the deposit ticket. Credits for all deposits (whether or not accompanied by a deposit ticket), including bulk deposits, are subject to verification. Items deposited into an Account, handled for collection or exchanged for currency are received by the Bank as the Customer's collection agent, and are for collection only, subject to the Bank's collection of final payment thereon. The Bank reserves the right to make adjustments to the Account for any errors, including any errors appearing on the deposit ticket or occurring during processing or otherwise, but the Bank has no obligation to do so for de minimis discrepancies. 3.5 Foreign Currency Items.. The Bank may handle Items drawn on a non-U.S. bank or Items payable in a foreign currency on a collection basis, not for deposit, even if the Bank has received the Items as part of a deposit. The Customer may not receive provisional credit for such Items, or if provisional credit has been given the Bank may revoke it. Credit for Items payable in a foreign currency will be converted into U.S. dollars at a foreign exchange rate and spread, and at such date and time, as the Bank determines in its discretion. 3.6 Endorsements. The Customer must place its endorsement on the back of an Item only in the area within 1.5 inches from the trailing edge of the Item. The trailing edge of the Item is defined as the left-hand edge of the check looking at it from the front. If the Customer is authorized in writing to endorse Items on the Bank's behalf, the Customer agrees to comply with the endorsement standards of the Bank. 3.7 Encoding. If the Customer encodes information on an Item, the Customer warrants to the Bank and to all other collecting and paying banks of that Item that it is properly encoded and the Customer will be liable for any loss related to any encoding error, including any loss due to delay in processing caused by the encoding error. 3.8 Return or Charge Back. The Customer should not use carrier documents (Items placed inside envelopes) in either high-speed forward or return cash letters. The Customer shall be solely responsible for any delays, losses or claims resulting from its use of carrier documents in high-speed forward or return cash letters. If the payor bank, drawer or payee on any Item that was deposited to Customer's Account returns the Item to the Bank, or makes a claim based on an asserted unauthorized signature or endorsement or an asserted alteration, the Bank may accept that return or pay that claim and charge any Customer Account for all or any part of the amount of the Item, even if the claim is made after final payment of the Item. If the Customer deposits or cashes an Item drawn on or by the Bank and the Item or any endorsement is asserted to be forged, unauthorized or altered, the Bank may charge back all or any part of the amount of the Item, even if the charge back is made after the final payment of the Item, or creates an Account overdraft. 3.9 Electronic Collection. The Customer agrees that the Bank may collect any Item deposited to Customer's Account by electronic means, in which case the Bank has no duty to inspect such Item during the automated deposit and collection process. 3.10 Variance. The Bank may agree with other banks and clearing houses to vary procedures regarding the collection or return of Items, and to vary applicable deadlines, to the maximum extent permitted by applicable Rules & Regulations, state law or banking practice. 3.11 Substitute Checks. The Customer will not deposit any substitute checks (that are not returned Items) unless the Bank expressly agrees to accept such Items for deposit. In the event the Bank processes any substitute check deposits in the absence of such express agreement, the Customer agrees that such processing shall not be deemed to be the Bank's agreement to accept any substitute checks for deposit and Customer will be solely responsible for any loss or claim in connection with that deposit. PN: 1329506 DOC ID: 3 Page 35 of 40 ri Exhibit B" 3.12 Night Devosito!y Det)osits. The Bank is not liable for any deposit made through the use of the Bank's night depositories until the Bank issues a deposit ticket or other receipt acknowledging the deposit. The Bank's count of the amount deposited in a night depository will be conclusive. The Customer is solely responsible for any loss incurred from the disappearance, theft, or loss of any envelope, bag, or money before the Bank verifies the contents of the deposit. 3.13 Remotely Created Checks. If the Customer deposits a remotely created check ("RCC,"), as such te is defined in Federal Reserve Regulation CC, 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 on the RCC. The Customer authorizes the Bank to debit the Customer's account for any claim or return based upon an unauthorized RCC and the Customer agrees to indemnify and hold the Bank harmless from and against any claims, liabilities, costs and expenses (including attorneys' fees) resulting directly or indirectly from any breach of the foregoing warranty. All other Account and Service Terms governing an Item will apply to an RCC. 3.14 ATM Cards. The Bank may issue one or more automated teller machine ("ATM") cards ("Cards") and personally identifiable numbers ("PINs") to Customer's employees or agents for use in initiating certain Account transactions at Bank owned ATMs. Unless otherwise agreed by Bank, Customer agrees to use and cause its employees and agents to use the Cards only at ATMs owned by the Bank and Customer shall be responsible for each Card and liable for any transactions and related fees initiated or charged upon using such Card. The Customer agrees that the types of transactions offered through the use of any Card may be limited by the Bank, in its sole discretion. The Bank has the right to cancel any Card at any time and for any reason, and will notify Customer of such cancellation. All ATM transactions are subject to verification. Any deposit transaction through an ATM that is not made on a business day or made after the Bank's designated cut-off time will be processed on the Bank's next business day. The Customer agrees to obtain possession and return to the Bank or destroy all cancelled Cards. If the Customer believes a Card or PIN has been lost or stolen, the Customer shall immediately contact the Bank's ATM call center. 3.15 Internet Gambling. The Bank strictly prohibits the use of any Account or Card to conduct transactions (including the acceptance or receipt of credit or other receipt of funds through an electronic funds transfer, or by check, draft or similar instrument, or the proceeds of any of the foregoing) that are related, directly or indirectly, to unlawful Internet gambling. The term "unlawful Internet gambling," as used in this section, shall have its meaning set forth in 12 C.F.R. Section Part 233, Section 233.2(bb). The Customer agrees not to conduct any transactions through the Account that directly or indirectly involve or are related to unlawful Internet gambling, including the acceptance or receipt of any funds or deposits in connection therewith. Section 4 of the Global Account Terms (Payment of Items) is hereby supplemented with the following provisions: 4.5 Cashing Items. The Bank may, in its discretion, cash Items drawn on an Account when presented by the holder. If a payee who is not a deposit customer of the Bank presents an Item drawn on the Account for cash, the Bank may refuse to cash the Item, or may charge the payee a fee if the Bank does cash the Item. 4.6 Signatures. Requirements for two or more signatures on Items drawn on the Account or limits on the amount for which any an Item can be drawn are solely for the Customer's own internal control purposes and the Bank will not be liable for paying any Item (i) lacking the required number of signatures, or (ii) drawn in an amount exceeding the maximum limit assigned to the signer, provided the Bank followed its customary procedures when paying the Items. 4.7 Fraudulent Items. The Bank offers the Customer Services reasonably designed to detect and/or deter check fraud and reduce the likelihood that a fraudulent, unauthorized, counterfeit or altered Item will be paid. Customer agrees that if it fails to use such Services, that failure will constitute Customer negligence contributing to the making of an unauthorized signature or payment of an altered Item, and the Customer will assume the risk that Items presented for payment against its Account may be forged or altered. In that event, Customer will be precluded from asserting any claims against the Bank for paying any unauthorized, altered, counterfeit or other fraudulent Items that such Service was designed to detect or deter, and the Bank shall not be required to re -credit Customer's Account or otherwise have any liability for paying such Items to the extent the Service would likely have prevented such loss. In the event the Bank receives or is presented with Items which appear to be duplicates of each other, the Bank may return one or more of such Items. 4.8 Obscured Endorsements. The Customer assumes all responsibility and liability for any claims or tosses that the Customer or the Bank may suffer as a result of the Customer's: (i) issuance of an Item in such a manner that information, marks or bands on the back of the Item obscures endorsements; or (ii) placement of an endorsement on the back of the Item which obscures other endorsements; and which thereby causes a delay in the forward and/or return processing of the Item. The Bank retains the right to refuse to accept an Item for deposit if the back of the Item is obscured. 4.9 Negotiation Outside of U.S. If an Item issued by the Customer is transferred or negotiated outside of the U.S. and is subsequently sent to the Bank for deposit, collection or payment in the U.S., the Customer shall be deemed to make, to the Bank, the transfer and presentment warranties under the UCC, as if such Item were negotiated or otherwise transferred in the U.S. 4.10 Stor) Payments. A stop payment Instruction from the Customer will be effective on an Item if: (i) the Bank receives the stop payment Instruction with a reasonable opportunity to act on such Instruction, which shall be at least one (1) full Business Day following the Business Day of the Bank's confirrned receipt of the Instructions at the applicable Bank location; (ii) the Instruction is in the form required by the Bank and the information is complete; and (iii) the Item is not yet paid or cashed. For purposes of this Section, "Business Day" means a day on which the Bank is generally open for business in the jurisdiction where the Account is maintained. Stop payment Instructions on Items, unless otherwise provided, will be valid for one (1) year and will automatically renew up to six (6) additional years unless the Bank confirms receipt of the Customer's revocation of a stop payment Instruction. The Customer may request, through the Bank's call center or other authorized PN: 1329506 DOC ID: 3 Page 36 of 40 Exhibit B" representative, anon-renewable stop payment, which will be effective fora 180-day period. The Bank shall not be liable for any Item properly paid or cashed prior to the effective time of a stop payment request. The Bank may properly return any item which is the subject of a stop payment request. However, the Customer acknowledges that a stop payment instruction does not limit or vary its obligation to pay the subject Item and, notwithstanding astop payment instruction, the Bank may properly pay such an item to a person entitled to enforce it. 4.11 Standard of Care. Any Item issued by the Customer drawn on its Account shall be deemed to be endorsed in the name of the payee if: the Item is endorsed or deposited into an account in a name that is substantially similar to that of the payee; the payee is a fictitious person; the Customer was wrongfully or erroneously induced to issue the Item payable to the stated payee; the deposit of the item was accomplished by an employee entrusted with responsibility for the Item or person working in concert with such an employee; or the Customer or payee failed to act with ordinary care with respect to the Item. The Bank shall not be liable for any loss arising from any such endorsed or deposited Item, or for the loss caused by the alteration or unauthorized signature on any Item issued by the Customer, unless the Customer establishes that the Bank failed to handle the Item with ordinary care, and that such failure substantially contributed to the loss. If the Bank's failure to act with ordinary care substantially contributed to the loss on the item, the loss shall be allocated between the Customer and the Bank based upon their respective failure to exercise ordinary care which contributed to the loss. For purposes of this section, " employee" shall include Customer and its independent contractors and third parties, and their respective employees, delivery agents, officers, directors, attorneys, fiduciaries, administrators, service providers, and other agents. 4.12.Electronic Processing. The Bank may process any Item for payment from a Customer Account by electronic means, in which case, the Bank's exercise of ordinary care in payment of that item does not obligate the Bank to inspect the Item during the automated payment process. Section 5 of the Global Account Terms (Funds Transfer Instructions) is hereby supplemented with the following provision: 5.6 Funds Transfer by Check. If the Customer, through the Bank's funds transfer services, requests that payment be made by check, the Customer authorizes the Bank to debit the Customer's Account on receipt of the Instruction and to create and issue a check to the name and address provided in the Instruction, signed by the Bank as agent for the Customer as drawer. If the Customer requests the Bank to place a stop payment on the check before the check has been presented for payment, such request must be clearly identified as a stop payment request, including the reference number given for the transaction, and it must be received by the Bank at a time and in a manner designated by the Bank from time to time. If the check is not negotiated within one hundred eighty (180) days after issuance, the Bank may place a stop payment on the check and transfer the funds back to the Account. 5.7 ACH. Automated Clearing House ("ACH") entries will be subject to the rules of the National Automated Clearing House Association and any other applicable Rules & Regulations, to which the Customer agrees to be bound. Credit given by the Bank to the Customer for an ACH credit entry shall be provisional, until the Bank receives final payment. If the Bank does not receive final payment, the Bank may revoke the provisional credit and charge back the amount of the entry 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. The Bank shall not be obligated to notify the Customer of the receipt of a payment order or ACH entry for credit or debit to an Account. 5.8 Same Day Amend and Cancel. The Customer may subscribe to a service to enable same day amendment and cancellation of payment orders. 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. 5.9 Priority./Timed. 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. For the avoidance of doubt, all payment orders are subject to the Bank's acceptance, and the Bank will have no liability for failure to process payments by the time requested by the Customer. Section 7 of the Global Account Terms (Account Statements) is hereby supplemented with the following provisions: 7.2 Images Sufficient. The Customer acknowledges that Account Statements and images of paid Items are available to it and are sufficient to allow it to make all inspections and reports of Account activity including errors, as required in this Section. The Bank is not required to return paid or cancelled Items with the Account Statement. 7.3 Obligation to Inspect. The Customer shall inspect each Account Statement and all payments and charges reported thereon, promptly upon receipt. The Customer must notify the Bank in writing of any unauthorized, improper, or missing endorsements within six (6) months after the date of the Account Statement on which that item was reported to have been paid. The Customer must notify the Bank in writing, within a reasonable period of time not to exceed 60 calendar days of the date of an Account Statement, of (i) the failure to receive the Account Statement, or (ii) of any errors, unauthorized payments, charges, alterations, discrepancies or irregularities reported on the Account Statement ("Errors"). The Customer must provide the Bank with all information necessary for the Bank to investigate any claim based upon an endorsement or Error, and must provide all supporting evidence that the Bank requests. Failure to comply within the time frames set forth above shall be deemed conclusive proof that the Customer failed to exercise reasonable care and promptness in examining Account Statements and paid Items or identifying Errors and that such failure may cause subsequent loss to the Bank. If the Customer fails to comply with the notice requirements set forth above, the Bank is not required to reimburse the Customer for the Customer's claimed loss and the PN: 1329506 DOC ID: 3 Page 37 of 40 ri Exhibit B" Customer shall be barred from bringing any action against the Bank. 7.4 Inactive Accounts. If an Account has no activity other than charges assessed or interest credited by the Bank for a period of at least six (6) months, the Bank is not required to provide an Account statement until the Account has additional activity. If an Account has no activity other than charges assessed or interest credited by the Bank for a period of at least twelve (12) months, the Customer may be unable to access the Account until appropriate contact is made between the Customer and the Bank. 7.5 Advice Services. The Customer may subscribe to Bank services for the delivery of account -related activity and information ("Advises"), to a party designated by the Customer, including information relating to credits and debits to a Customer account, and the return or rejection of certain payments. Advises may be sent via SWIFT, electronic mail, facsimile transmission, ordinary mail, phone, through internet sites, 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 Advises, including the address, telephone and/or facsimile number of the recipient and, if applicable, the messaging components and conditions that will trigger the transmission of the Advises. Section 15 of the Global Account Terms (Account Disclosures) is hereby supplemented with the following provisions: 15.5 Withdrawal Limitations on Certain Account Tyr),.Q. U.S. federal regulations limit the number of pre -authorized or automatic transfers or withdrawals or telephonic/electronic instructions (including check, draft, debit card or similar order payable to third parties) that can be made from a savings account (including a savings sub -account (as described below) and a money market deposit account) to a total of six (6) per calendar month or statement cycle or similar period. The Customer agrees to comply at all times with such restrictions. Exceeding these withdrawal limits may result in the Bank converting the savings account into anon-interest bearing demand deposit account, with any attendant changes in pricing and account terms and conditions. Further, the Bank is required by U.S. law to reserve the right to require at least seven (7) days notice prior to a withdrawal from a savings account (including a savings sub -account) or an interest -bearing negotiable order of withdrawal account ("NOW Account"). 15.6 NOW Accounts. The Customer, if eligible, may open a NOW Account. There is no limit on the number of withdrawals that the Customer may make from the demand deposit or NOW sub -account. 15.7 Administrative Subaccounts. The Bank is authorized, for regulatory reporting and internal accounting purposes, to divide an Account: (i) in the case of a demand deposit checking Account, into anon-interest bearing demand deposit sub -account and anon-interest bearing savings sub - account; (ii) in the case of a NOW Account, into an interest bearing NOW sub -account and an interest bearing savings sub -account, and, in both cases, to transfer funds on a daily basis between these sub -accounts in accordance with U.S. law at no cost to the Customer. The Bank will record the sub -accounts and any transfers between them on the Bank's books and records only. The sub -accounts and any transfers between them will not affect the Account number, balance requirement or use of the Account, except as described herein. 15.8 Savings Subaccounts. The Bank will establish a target balance for the Customer's demand deposit or NOW sub -account, which it may change at any time. To the extent funds in the demand deposit or NOW sub -account exceed the target balance, the excess will be transferred to the Customer's savings sub -account, unless the maximum number of transfers from the savings sub -account for that calendar month or statement cycle have already occurred. If withdrawals from the demand deposit or NOW sub -account exceeds the available balance in the demand deposit or NOW sub -account, funds from the Customer's savings sub -account will be transferred to the demand deposit or NOW sub -account up to the entire balance of available funds in the savings sub -account to cover the shortfall and to replenish any target balance that the Bank has established for the demand deposit or NOW sub -account. If a sixth transfer is needed during a calendar month or statement cycle, it will be for the entire balance in the Customer's savings sub -account, and such funds will remain in the demand deposit or NOW sub -account for the remainder of the calendar month or statement cycle. 15.9 Branch Designation. The Bank, for its administrative purposes may designate a branch of the Bank as the branch of record of an Account which may be different from the branch at which the Account is opened. This designation requires no action on the part of the Customer and will not change the Bank's operations, Services or customer support. 15.10 No Fiduciary Relationship. Bank's relationship with Customer concerning the Accounts is that of a debtor and creditor. No fiduciary, quasi - fiduciary or other special relationship exists between Bank and Customer or any third parties regarding the Accounts. Section 16 of the Global Account Terms (Governing Law) is hereby supplemented with the following provisions: 16.1 Section 16.1 is replaced with the following provision: Subject to the UCC as modified by the Rules & Regulations, which shall control, and unless otherwise specifically provided in any Service Terms, the Global Account Te s, the Account Documentation, Service Terms and the rights and obligations of the Customer and the Bank in respect of each Account maintained in the U.S. shall be governed by and construed in accordance with the laws of the State of New York (without regard to its conflict of laws rules), incorporating general commercial bank practices applicable to the type of Account and Services provided to the Customer. The rights and remedies of the Bank under this Addendum, the Account Terms, the Account Documentation, the Service Terms, and any other agreement by the Customer in favor of the Bank are in addition to the rights and remedies of the Bank under applicable law (as provided above in this Section), are cumulative and may be exercised successively or concurrently, and are retained by the Bank. 16.4 In the event the Bank is required to remit funds to any state as abandoned property, the Account may be charged for fees in remitting funds to that state. In addition, the Bank may charge fees in connection with its handling of dormant funds and accounts. These charges are not PN: 1329506 DOC ID: 3 Page 38 of 40 r� Exhibit B" refundable. Section 17 of the Global Account Terms (Miscellaneous) is hereby supplemented with the following provision: 17.15 Payable Through Accounts. If the Customer is a bank or financial institution and is not organized under the laws of the U.S., it shall not permit its customers to conduct banking transactions in the U.S. through the Customer's Account, and shall not provide its customers with check stock, drafts, wire transfer capabilities or any other means by which its customers are able to draw on the Customer's Account. These types of arrangements are typically called " payable through accounts" and are prohibited under these Account Terms. The Customer acknowledges that the sale of U.S. dollar checks or drafts to third parties is explicitly prohibited without the express written approval of the Bank. AVAILABILITY POLICY - FOR ACCOUNTS MAINTAINED IN THE U.S. The Bank's policy is to make funds available to the Customer on the same, next or second business day after the day of deposit depending on the type of deposit and when the deposit is made as described below. If the Customer will need the funds from a deposit immediately, the Customer should ask the Bank when the funds will be available. A. Determining the Day of a Deposit. If a deposit is made to an account on a business day before the Bank's cutoff time established for that location (which will be no earlier than 2 p.m. local time), then the Bank will consider that day to be the day of deposit. However, if a deposit is made after the cutoff time or on a day that is not a business day, then the Bank will consider the deposit to have been made no later than the next business day. For determining the availability of deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. Availability with respect to any deposit will be determined by the location of the banking center or other facility where the deposit was received. For deposits made at the Bank's automated teller machines (ATMs) the cutoff time is 11 p.m. Eastern Time unless otherwise noted on the ATM screen. B. Same Day Availability. Funds from the following deposits made at a banking center or at an ATM that do not require deposit envelopes will be available on the business day the Bank determines the deposit is made: • Cash; • Wire transfers; and • Electronic direct deposits to an account. C. Next Day Availability. Funds from the following deposits are available on the first business day after the business day the Bank determines the deposit is made: • U.S. Treasury checks that are payable to the Customer; • Checks drawn on a Bank affiliate that holds the applicable account (excluding a Controlled Disbursement site); and • At least, the first $200 from a days total deposits. If the deposit is made in person to a Bank employee, funds from the following deposits are also available on the first business day after the business day the Bank determines the deposit is made: • State and local government checks that are payable to the Customer, if a special deposit slip, available upon request at any Bank banking center is used; • Cashier's, certified, and teller's checks that are payable to the Customer, if a special deposit slip, available upon request at any Bank banking center, is used; and • Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to the Customer. If a special deposit slip is not used, availability of funds from these deposits will follow the schedule identified in the Availability of Other Check Deposits section below. D. Availability of Other Check Deposits. Generally, funds from all other deposits of checks drawn on banks (as defined in Federal Reserve Regulation CC) will be available no later than the second business day after the day of deposit. Checks that require special handling may receive delayed availability. The amount of funds available to the Customer will be reduced by the amount of any deposited check that is returned unpaid. If the Bank reprocesses the check, the funds will become available no later than the second business day after the business day in which the check is reprocessed. E. Longer Delays May Apply. In some cases the Bank may not make all of the funds that are deposited by check available. Depending on the type of check deposited, funds may not be available as set forth above. However, the first $200 of the aggregate deposit will be available on the first business day after the day of deposit. If the Bank is not going to make all of the funds from a deposit available at the times shown above, it will notify the Customer and specify when the funds will be available. If a deposit is not made directly to a Bank employee, or if the Bank decides to take this action after the Customer has left the premises, the Bank will mail or otherwise send the notice to the Customer by the business day after the day of deposit. Funds deposited by check may be delayed for a longer period under the following circumstances: • The Bank believes a deposited check will not be paid; PN: 1329506 DOC ID: 3 Page 39 of 40 Exhibit B" • Deposited checks for all of the Customer's accounts total more than $5,000 in any one day; • The Customer redeposited a check that has been returned unpaid; • The Customer has overdrawn one or more of its accounts repeatedly in the last six months; or • There is an emergency, such as failure of communications or computer equipment. In such circumstances, funds will generally be available no later than the seventh business day after the day of deposit. Inclement weather or transportation problems may lead to additional delays under certain availability schedules. Customer may have specific availability schedules related to a banking service. F. Special Rules for New Accounts. If the account is a new account, the following special rules may apply during the first thirty days the account is open: • Funds from deposits of the first $5,000 of that days total deposits of cashier's, certified, teller's, traveler's and federal, state and local government checks will be available on the first business day after the day of deposit if the deposit meets certain conditions. For example, the checks must be payable to the Customer. The excess over $5,000 will be available no later than the ninth business day after the day of deposit. If the deposit of checks (other than U.S. Treasury checks) is not made in person to one of the Bank's employees, the first $5,000 may not be made available until the second business day after the day of deposit; and • Funds from all other check deposits will be made available no later than the fifteen business day after the day of deposit. This Availability Policy and availability schedules may be changed without notice. OO 2015 JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC. PN: 1329506 DOC ID: 3 Page 40 of40 PLEASE TYPE FORM, PRINT, & SUBMIT (handwritten forms may delay FRBservices.org processing) - Internal FR (Upon receipt by the Federal Reserve Bank) Federal Reserve Batik Use Only Due Diligence Verified: Initials: Date: Use of the FedMail"' access solution is governed by Federal Reserve Bank Operating Circular 5, Electronic Access ("0C 5"), Depending on the services you choose to access using FedMail, additional Operating Circulars (available at FRBservices,org) may govern. Submission of this forryl constitutes acceptance of the terrus and conditions of OC 5 and other applicable Operating Circulars and agreements. The Federal Reserve Banks have no obligation to verify the accuracy of the information you provide below and have the right to rely on such information in connection with the provision of FedtMail access, to the services you are requesting. Except to the extent prohibited by law or regulation, you agree to indemnify, hold harmless and defend the Federal Reserve Banks against any claim, loss, liability, or expense made against or incurred by the Federal Reserve Banks in connection with their reliance on the information provided below. Section 1 — General *ReqUired Fields State or Local Government Institution Name * . . . ....... Telephone Phone Extension Joint Custody Account Number(s) Provide the 4-digit alpha -numeric account number(s) below that are listed as "institution ID Jj or? your statement. This form may be used for multiple account numbers being delivered to the sarne addresses, with a maximum of four account numbers. Account #1 Account #2 Account #3 Account #4 Section 2 — Service Profile Instructions 1. Use this section to "Add" or "Delete" services or delivery addresses. 2. For email delivery, please provide more than one email address. 3. Complete an additional form to sign up more than three delivery addresses for a service. 4. To change a delivery address, "Delete" the current delivery address and "Add" the new delivery address. 5. Delete all recipients by marking "All" in the delete column. 6. If updates are required to your current Joint Custody pledgee agreement, please call 800-327-0147 and select option 4. Joint Custody Service (JCCR) Add Delete ❑ All Email Fax - - -------- - --- Email Address or Fax Number El ❑ [I M El Last Updated: 09110 Page I of 2 Federal Reserve BankJoint Custody Service via FedMail0 Request Form Sec#iOn 3 emo Service Description ........ . . . . . . . . . . g .. .... ..... .. the ability to rece-itViD Joint CustodyJoint Custody Service Provides Daily Activity and monthly, elec#tonically.IS sent in text -format; the (JCCR) Secu-rities HoldingsReports The . statements and reports are. sent as attachments, which may be viewed with a text editor, spreadsheet or word pracessinq software. Section .4 —Authorized Approval Name °� Signature The person signing ihlsform rr�ust be- listed on your.Gil1't'en$ p.loogLe agreement on. file with i%e Federal, Resertre Bank as authon"zed io act for}rour account. Date. Telephone - first one Please submit this form -to the Customer Contact Center at: Email: ccc.coordinators(a?kc.frfa.ora. S, Fax: 800-660-7856. Mail: Customer Contact Center Federal Reserve Bank of Kansas* City PA. Box 219416 Kansas City, MO 64121-9416 Vdliq Initial Last Extension The Financiai Services logo and 'FedMail" are registered service marks of the Federal Reserve Banks. A complete i1sting of marks owned by the Federal Reserve' Banks Is. available at FRBservices.org. Last Updated: 09/TO Page 2 of 2 .......... .......... .............. - ....... ...... .... - ............ ........ ....... - A 4ft ...... . . . . . ....... ........................ ........... ....... ............ .................... - .......... ................ To: Federal Reserve Bank of Boston Tel: 800-327-0147, #1 PO .Box S5882 Fax: 877-973-8972 .Boston, MA 02205 A.ttn-. Joint Custody Date; We, the agree to the terms of Appendix C of your Operating Circular 7, dated August 19, 2005, as it inay be amended from time to time with respect to the account on your books designated (4 digit alpha. -numeric account number) We furtli.er agree that You may accept par for par substitutions: securities from the Pledgor as a replacement of, or in. substitution for,, those securities presently held (please check one): NO (Instructions required for- YES (Standing approval) each withdrawal) provided that the replacement or substitution does not reduce the aggregate par amount of securities field in custody for us. (See Operating Circular 7, Appen(fix C, Section 4.3.) We authorize you to use the following call-back procedure for securities transactions pertaining to this account (please check one): --- -------- Three-party call-back Four-patly call-back We certify that the individuals listed below may take authoritative action. on our behalf with respect to the account, including a direction. to release collateral from the account. You, may rely on the aUtI101-ity of these individuals with respect to the account until we otherwise notify you. Telephonic: Print Name: Title:, Fax: Signature.- Date: Telephone: Print Name: Title:, Fax- Sigiiature: Date: Telephone: Print Name: Title:_ Fax: signature: Date:_ - REV 01 /2006 Depository Bank Services DUE: December 19, 2016 Exhibit "E" SOLICITATION OVERVIEW The City of Round Rock, Texas is soliciting applications for: TITLE: Primary Depository Bank Services RFA No. 17-002 Due Date: 3:00 P.M. CST Monday, December 19, 2016 Location: City of Round Rock, Purchasing Department City Hall, Reception Desk, First Floor Mr. Mike Schurwon, Purchaser 221 E. Main Street Round Rock, Texas 78664 Public Openinz of Applications: There will be a public opening of applications in the Purchasing Department immediately following the submission due time/date. Only the names of applicants will be read aloud. Interested parties are invited to attend. Submit written questions to: Mr. Mike Schurwon, Purchaser, at mschurwon(&- round roe ktexas.Pov Questions may be submitted in writing through 3:00 P.M. Wednesday, November 30, 2016. No verbal questions will be accepted. Questions of a substantial nature will be addressed in a response to all interested parties. Valley View Consulting, L.L.C. is assisting the City with the preparation of this RFA and the evaluation of applications received. E.Qibiet "E" ROUND ROCK TEXAS-5 REQUEST FOR APPLICATIONS PRIMARY DEPOSITORY BANK SERVICES The City of Round Rock, Texas (the "City") is soliciting sealed applications from qualified banking institutions to provide primary Depository Bank services. The term shall commence June 1, 2017 and end May 31, 2022. Sealed applications will be accepted until 3:00 P.M. CST on Monday, December 19, 2016 at the City of Round Rock City Hall, Reception Desk, First Floor, 221 E. Main Street, Round Rock, Texas 78664. Application envelopes shall be sealed and designate on the front lower, left hand corner the following: "DO NOT OPEN — RFA No. 17-002 — Primary Depository Bank Services" Note: Applications received after 3:00 P.M. CST, Monday, December 19, 2016, shall be considered void and filed unopened. The sealed application submission shall include the following: 1. One original (so marked) and four (4) complete bound copies of the application; 2. One complete copy of the application response as a PDF file on a Flash Drive; 3. The MS -Excel Bank Service Fee Schedule on a Flash Drive. Any applications received after the time and date stated above, regardless of delivery, will not be considered and will be filed unopened. Questions concerning this RFA should be directed in writing to Mr. Mike Schurwon, Purchaser, at nischur`von- roundrocktexas.gov. The City reserves the right to reject any and all applications and to waive all formalities except time of filing. SOLICITATION UPDATES: Respondents shall be responsible for monitoring the City's website at http://w-ww.roundrocktexas.gov/bids for any updates pertaining to the solicitation described herein. Various updates may include addendums, cancellations, notifications, and any other pertinent information necessary for the submission of a correct and accurate response. NOTE: The City will not be held responsible for any further communication beyond updating the website. Primary Depository Bank Services RFA Page 1 a- 6iisiy ntents INTRODUCTION....................................................................................................................................................................... 3 REQUESTFOR APPLICATION.............................................................................................................. ............................... 4 CALENDAROF EVENTS......................................................................................................................................................... 4 APPLICATIONREQUIREMENTS......................................................................................................... ............................... 5 APPLICATIONSUBMITTED BY.......................................................................................................................................... 7 CRITERIAFOR EVALUATION.............................................................................................................. ............................... 8 REQUIREDDISCLOSURES.................................................................................................................................................... 9 ACCOUNTACTIVITI E Sansone assesses noun seen @Newness Nonsense ones ones @mesons@ @monsoon someone@ anemone snow@ ago moons magnums @message enema monsoon nose sommusee gamesome monsoon@@@@@ nasal 0...................................................................................................10 REQUIREDSE RVI C ES ass assesses sessesseeng @assesses@ @amass massages @@@assesses@ ones Goa @sesames massages@@@@ gone goes ass a moons@@@ sageness seasons wanness@ seems meanness anomanssaoe anal 1....................................................................................................11 SERVICESTHAT MAYBE CON SIDE RED ass amass@@ sageness @message @wanness gamesome wanness@ assesses assess amass sesames@ masseuse @monsoon now@ seen masseuse masseuse as 16..................................................................16 COLLATERALREQUIREMENTS assume gamesomeness gamesome gamesomeness @@sense@ @nemeses sesames@ @geneses gownsman ass@ snow@@@@ ones some@@@@ meanness assesses seesaw@@ someone@@ 18....................................................................................18 INVESTMENT A C T I V I T I E S 2 0............................................................................................20 OVERDRAFTPROVISIONS ...ass among anemone seen seen @@Noonan gamesome @message was@ @monsoon someone@ massage @seasons @@@season ones someone memos seasons memos@@@ @assess@ monsoosevess 2 1............................................................................................21 OTHERSTIPULATIONS ...was assameng anemone@ mongoose some assesses now@ monsoons manages@ someone@ mousses@ gamesome mass mass sesames@ @mom @monsoon ones @oneness seesaw* assessessesse man as 22....................................................................................................22 MI SCE LLAN E OU Sao@ assumes someone@ seen @monsoon mass gamesomeness @assess@ ones gamesomeness man@ someone@ @geneses Gassman@ @monsoon memo @geneses some some @as a @seasons mom amseamon amass masses one 24................................................................................................................24 EXHIBIT 1 sageness ass@ @messages@ @sense @monsoon @nemeses massages sesames @guesses seasons@ Nonsense assesses ones gamesome amon mass gnaw @@mesons @@@§ @686 @@a@ @Gmasseamass @one @mosses@ assesses 2 5 ...................................................................................................................25 Bank Transactions by Account................................................................................................................ 25 EXHIBIT2 mammas oneness@ massages monsoons someone@ assesses amen seasons@ @@mamma @Noonan@ gamesomeness gamesomeness some meanness massage@ seen someone@ moos monsoons sesames@ somesans monsoons ease sesames@ 2 6 ...................................................................................................................26 AccountAnalysis Summary...................................................................................................................... 26 BANKSERVICES FEE SCHEDULE ...gaseous massages oneness@ some@@@@ now@ @manses@ seasons@ Gooses@@ someone seen mass egos Oman @886 game go@@ geneses@ anneenes name amasses@ men ones 2 7.............................................................................27 RESPONSEATTACHMENTS ...mesons@ sageness mom@ @@manses massages gamesomeness @@woman@ @@demand monsoons meanness ones @monsoon nonsense wasomeas seen ones mass@@@@ seasons assesses@ 3 0..........................................................................................30 INVESTMENTPOLICY.......... wagon@@@ @messages@@@ sageness @@mesons meanness @daemon@ oneness@ @amasses ones sameness oneness@ mass assesses none name someasseenes *messes@ man moessesssnnns 3 1................................................................................................31 ---------------- ------------- - - ----- ------- W ------ Primary Depository Bank Services RFA Page 2 INTRODUCTION IDI The City, pursuant to Chapter 105, Texas Local Government Code, requests applications from eligible and qualified financial institutions to provide the City banking services as described below. The services provided shall be in accordance with this Request for Application (the "RFA") and attachments,, To be eligible to respond to this RFA., the financialinstitution must have a full service "brick & mortar"- presence within in the municipal boundaries of the Citv of Round Rock. Any and all charges and fees associated with the Depository Bank Services Aizreement must be clearly and accurately included in the RFA response. The charges and fees represented in the RFA response shall overrule any and all previous bank service or other agreements between the City and the financial institution, as they relate to the accounts and services included herein. The City will not be obligated by any charges and fees not clearly and accurately presented in the RFA response. Services initiated after consummation of the Depository Bank Services Agreement shall carry charges and fees mutually agreed to, in writing, by the City and the financial institution. Regardless of time delay, the financial institution shall refund or credit the City for any erroneous charges and fees not agreed to in writing. The City is soliciting applications for banking services currently utilized or being considered by the City. The City intends to manage its funds to minimize service charges and optimize investment income as authorized by policy and permitted by state law. Depending upon market conditions, future collected funds balances maybe reduced and invested in other available investment alternatives. The term shall be a five-year period of June 1, 2017 through May 31, 2022. A transition period not to exceed ninety (90) days for migration to a new bank at the end of the term must be provided. The City reserves the right to open or close any number or t} throughout the term of any agreement resulting from this RFA. but later requested by the City will be mutually agreed upon in shall be fixed for the entire term. pes of accounts, as it deems necessary Any fee charged for services not listed writing. All fees, rates, and conditions The Depository Bank Services Agreement is an important component of the treasury and cash management system of the City, and the City requires afinancial institution that is: • Capable of providing the services required by the City, • Willing to be attentive and responsive to the City's financial matters, and • Financially sound and meets the City's requirements. - ------ - - - ---------- - ----- Primary DepositoryRFA Bank Services Page 3 REQUEST FOR APPLICATION 111DI Pursuant to Chapter 105 of the Local Government Code, this RFA serves as the application form for the Depository Bank Services Agreement. All information requested in this RFA must be provided in response. The evaluation of the applications will be based on the responses included herein. Exceptions, conditions, or qualifications to the City's specifications or requirements must be clearly identified as such, with the reasons therefore, and alternate language proposed by applicant, if any, clearly stated and inserted in the appropriate place in the response. The City reserves the right to negotiate terms, conditions, and exceptions with an applicant to arrive at a final agreement. If acceptable to the City, any exceptions, conditions, or qualifications to the City's specifications shall be included, as appropriate, in the resulting agreement,, Items and matters not explicitly excepted in this manner shall be deemed to be in conformance with the City's specifications. Responses must be complete, addressing all aspects of the RFA, and including all requested information to receive full consideration by the City in the evaluation process. The City may choose to waive any irregularities in any responses received and reserves the right to reject any and all applications. The City desires to enter into an agreement of mutual party benefit and will answer all questions pertaining to this RFA. Please note the following calendar of events for the dates and times of key elements in the application process. CALENDAR UF EVENTS Monday, November 21, 2016 RFA available to prospective financial institutions Wednesday, November 30, 2016 Deadline for Questions/Requests from proposers for Addi0 tional Information (3:00 P.M.) Friday, December 9, 2016 Deadline for City to respond to questions, any addendum posted to City website (3:000 P.M.) Monday, December 191111111111112016 Responses due t City Hall, Reception Desk, First Floor (,3111111.00 P.M. CST) Wednesday, January 25, 2017 Bank Presentation/Demonstrations (if necessary) Wednesday, February 1, 2017 Notification to reconnmended proposer and initiation of contract negotiations and document preparation Thursday, April 13, 2017 City Council consideration of award Thursday, June 1, 2017 New Depository Bank Services Agreement period begins -------------- ------------- - ------- -------- - ----- - -------- - ------------------ - --------- --------- - --------- --- --------- -------------------- --------------------------- Primary Depository Bank Services RFA Page 4 APPLICATION REQUIREMENTS IDI One original (so marked) and four complete copies of the application, and one Flash Drive containing the completed MS -Excel Fee Schedule and a PDF of the complete application, sealed and clearly marked "DO NOT OPEN — RFA No. 17mOO2 —Primary Depository Bank Services", shall be delivered to the City Hall, Reception Desk, First Floor by 3:00 P.M. CST, on Monday, December 19, 2016, and addressed: City of Round Rock, Purchasing Department City Hall, Reception Desk, First Floor Mr. Mike Schurwon, Purchaser 221 E. Main Street Round Rock, Texas 78664 NO APPLICATION SHALL BE ACCEPTED AFTER 39.00 P.M. CST, MONDAY, DECEMBER 19, 2016. Applicants shall use this RFA as the official response form. Submitted prices, rates, conditions, and answers shall be included in final agreement. The signed, submitted response must include printed copies of all completed worksheets and will be deemed the applicant's official response. To reduce errors and increase the ease of both response and evaluation, the City is providing the RFA in a MS -Word format and Bank Services Fee Schedule in MS -Excel format. The RFA is a protected Word document to enable the applicant to respond to the questions and incorporate comments into the RFA. Applicants must provide unit pricing for service items listed on the MS -Excel worksheet of the Bank Services Fee Schedule. The Excel Bank Services Fee Schedule information and a PDF of the complete application must be provided on a Flash Drive with the application. BASIS OF AWARD The City will award the contract to the applicant(s) whose response provides the best value for the City based on all factors which have a bearing on price and performance of the required services including, but not limited to, compliance with all RFA requirements, delivery, and the City's needs. The City reserves the right to contact any applicant, at any time prior to award, to clarify, verify or request information with regard to any application. The City reserves the right to waive any formality or irregularity, to make awards to more than one applicant, or to reject any or all applications. Applicant must qualify under current Texas law to serve as a municipal depository bank. Transfer of funds shall commence at such time as the successful applicant provides all required forms and supplies necessary to ensure uninterrupted day-to-day operations to the City. The successful applicant commits its "best efforts"" to complete the execution of documentation and transfer of funds by the June 1, 2017 start date. Failure to complete by the start date, at the discretion of the City, could be considered grounds for alternative bank selection. The successful applicant, upon termination of any agreement resulting from this RFA, shall cooperate with a new bank for transfer of funds. Primary Depository Bank Services RFA Page 5 All responses are subject to release as i� r�r�as the response or specific parts of the response can be shown to be exempt f �ubl' nf!ormation Act. Applicants are advised to consult with their legal counsel regarding disclosure issues and take the appropriate precautions to safeguard trade secrets or any other proprietary information. The City assumes no obligation or responsibility for asserting legal arguments on behalf of applicants. If an applicant believes that a response or parts of a response are confidential, then the applicant shall so specify. The applicant shall stamp in bold red letters the term "CONFIDENTIAL" on that part of the response which the applicant believes to be confidential. Vague and general claims as to confidentiality shall not be accepted. All responses and parts of responses that are not marked as confidential will be automatically considered public information. Notwithstanding, responses to this RFA shall be opened in a manner that avoids disclosure of the contents to competing applicants and keeps the responses secret during negotiations. Any questions concerning this RFA must be directed in writing to: Mr. Mike Schurwon, Purchaser City of Round Rock 221 E. Main Street Round Rock, Texas 78664 (512) 218m6682 Email: mschurwon(c�roundrocktexas.gov -------------- --------------- --------------- ------------- ----------------------- - ------- - -- - ------ -- - ---------- ------ --------- - ------------------ --------- Primary Depository Bank Services RFA Page 6 APPLICATION SUBMITTED BY IDI This application is being submitted to the City by the following person duly authorized to act on behalf of this applicant. Name of Financial Institution Address of Financial Institution Telephone # Email Address Officer Name & Title (printed) Officer Signature FDIC Certificate # Signature indicates respondent accepts the specifications, terms and conditions of this RFA and that applicant is not delinquent on any payment due the City or involved in any lawsuit against the City. Date: -------------- ------------------------------- OHIO! I'll Primary Depository Bank Services RFA Page 7 CRITERIA FOR EVALUATION City 0 0 based on, but not limited to, the following criteria, in no particular order of priority: carefully submitte evaluation 1. Ability to perform and provide the required and requested services; 2. Reputation of applicant and quality of services; 3. Cost of services; 4. Transition cost, retention and transition offers and incentives-0 5. Funds availability; 6. Interest paid on interest bearing accounts and deposits; 7. Earnings credit calculation on compensating balances; applications 8. Completeness of application and agreement to points outlined in the RFA; 9. Physical location within municipal boundaries; 10. Convenience of location(s); 11. Previous service relationship with the City; and 12. Financial strength and stability of the institution. After selection of an applicant based on the criteria above, the City may enter into negotiations as to the terms of the depository services agreement and any subsidiary agreements, all aspects of services, and the compensation to be paid to the applicant. If, for any reason, the negotiations between the applicant selected and the City cannot be completed, the City may enter into negotiations with the second best application. Negotiations will continue in this sequence until an agreement is finalized or all applications are rejected. ------------- - --------------- - --------------- ------------------- -------------- ---------------- ------------------ Primary Depository Bank Services RFA Page 8 REQUIRED DISCLOSURES As defined in Section 105.015 (c), each app)J1caiif`sH'aT1 comply with the conflict of interest provision of Section 131.903 of the State's Local Government Code in regards to the selection of the depositories: Sec. 131.903. CONFLICT OF INTEREST. (a) A bank is not disqualified from serving as a depository for funds of a political subdivision if: (1) an officer or employee of the political subdivision who does not have the duty to select the political subdivision's depository is an officer, director, or shareholder of the bank; or (2) one or more officers or employees of the political subdivision who have the duty to select the political subdivision's depository are officers or directors of the bank or own or have a beneficial interest, individually or collectively, in 10 percent or less of the outstanding capital stock of the bank, if:, (A) a majority of the members of the board, commission, or other body of the political subdivision vote to select the bank as a depository; and (B) the interested officer or employee does not vote or take part in the proceedings. (b) This section may not be construed as changing or superseding a conflicting provision in the charter of a home -rule municipality. In addition, the following disclosures apply: Disdosure of interest: Pursuant to Chapter 176 of the Texas Local Government Code, a person, or agent of a person, who contracts or seeks to contract for the sale or purchase of property, goods, or services with the City of Round Rock must file a completed conflict of interest questionnaire which is included in this solicitation or available at wwww. ethics. state,,tx,,us,,, The conflict of interest questionnaire must be filed with the City of Round Rock no later than the seventh business day after the person or agent begins 40 contract discussions or negotiations with the City or submits to the City an application, response to a request for proposal or bid, correspondence, or writing related to a potential agreement. An updated conflict of interest questionnaire must be filed in accordance with Chapter 176 of the Local Government Code. An offense under Chapter 176 is a Class C misdemeanor. Certificate of interested parties: In 2015, the Texas Legislature adopted House Bill 1295, which added section 2252.908 of the Government Code and applies to all contracts entered into on or after January 1, 2016. The law states that a governmental entity may not enter into certain contracts with a business entity unless the business entity submits a disclosure of interested parties to the governmental entity at the time the business entity submits the signed contract to the governmental entity. The law applies to all contracts/purchases of a governmental entity that require action or vote by the governing body of the entity. - - -- - - - - - - - - - -- - - --------------- --------- --------------- Primary Depository Bank Services RFA Page 9 ACCOUNT ACTIVITIES The City anticipates establishing an acco'unt"co' 0 Operating Account • Payroll Account • Accounts Payable Account • Utility Account • I & S Debt Service Account • Financial Services Account • CDBG/HUD Entitlement Account • DT Land Group Account consists of the following bank accounts: The Operating Account will bilill the primary account for daily activity. The Operating Account will als9 be the primary account to receive deposits and make disbursements. The Payroll Account is aZBA funded by the Operating Accountthrougliw_hichthe��ICitys ' employees are paid bi-weekly. After a new employee's initial paycheck, the City requires direct deposit of payroll by all employees. The ACH file is prepared and transmitted to the bank, usually on Wednesday before payday on Friday. The Accounts Payable Account is a controlled disbursement account processing vendor payments each week funded by the Operating Account. The Utility Account is a ZBA funded by the Operating Account. The I S Debt Service Account is a stand-alone account with activity related to debt payments. The Financial Services Account is a ZBEA with deposits from settlement on credit cards,, Excess funds are transferred to the Operating Account. The CDBG/HUD Entitlement Account is a stand-alone account and, by HUD restrictions, may not accrue any service charge. TheDTL ndAccount is a stand-alone account. The activity for September 2016 with balance information for these accounts is tabulated in Exhibit 1 and Exhibit 2, and reflected on the Bank Services Fee Schedule. Actual balances and transaction activity could vary significantly. Primary Depository Bank Services RFA Page 10 R EQUIRED SERVICES The following services must be provided asd6s�dr_ results in essentially the same outcome or capability. WE or be provided in an alternative form that 1. ONLINE BANKING SERVICES The City requires online banking services accessible through the Internet that at a minimum include balance reporting-, initiation of ACH debits and credits and wire transfers, and placement of stop payments on checks. Additional capabilities must include the ability to reprint statements and export information to MS -Excel. The minimum balance reporting information must be for intra-day and previous business day and include at a minimum: ledger balance, collected balance, one -day float amount, two-day float amount, total credits, total debits, and detail debits and credits, and must allow transaction search capability. Historical information must be maintained online and accessible for a minimum of six months,, [:]Yes, can provide as requested/required,, Comment: [:]No, cannot provide as requested/required. 2. CONTROLLED DISBURSEMENT ACCOUNT - The City requires the use of a controlled disbursement account for its disbursements. The controlled disbursement presentment notification must also be accessible through online banking services. This information must be available and accessible by 10:00 A.M. local time. Yes, can provide as requested/required. Comment: No, cannot provide as requested/required. 3. ZERO BALANCE ACCOUNT - The City requires zero balance accounts for its Payroll, Utility, and Financial Services accounts. The bank teller function must identify the Payroll Account as a ZBA to ensure employee presentments made at the bank are honored. Yes, can provide as requested/required. Comment: E:]No, cannot provide as requested/required. 4. POSITNE PAY AND ACCOUNT RECONCILIATION SERVICE — The City requires positive pay and account reconciliation services on designated accounts from which checks are issued. The City electronically transmits the issued check files to the bank. Positive pay files must be transmitted electronically. Minimum payment verification criteria shall be payee name, date, check number, and amount. The City ma aFrove and make pay/no pay decisions on any exception items. [:]Yes, can provide as requested/required. Comment: [:]No, cannot provide as requested/required. 5. ACH —The City requires a robust MACH system with the capability to create MACH credits for direct deposit of payroll and vendor payments, and to direct debit customer accounts for A/R and utility billing charges. DYes, can provide as requested/required. I JNo, cannot provide as requested/required. - ---------- ---- - ------ ------- - -------- ---------- -- ----- -------------- Primary Depository Bank Services RFA Page 11 Comment: 6. ACH DEBIT BLOCKING — ThP1FA"XhA1AtA �etit blocking capabilities on its accounts, with the ability to selectively pern-ut specified MACH debits on certain accounts and restrict all ACH debits from certain accounts. IYes, can provide as requested/required. Comment0 : [:]No, cannot provide as requested/required. 7. ELECTRONIC DATA INTERCHANGE — The City requires Electronic Data Interchange ("EDI") service capability with the ability of obtaining monthly reports and transacting vendor payments. IYes, can provide. Comment: 1---INO, cannot provide. 8. WIRE TRANSFERS — The online banking system must provide for initiating wire transfers as a normal course of business. Wires maybe one time wires or be set up as repetitive wires of varying amounts. [:]Yes, can provide as requested/required. [:]No, cannot provide as requested/required. Comment: 9. REMOTE DEPOSIT CAPTURE The City is currently utilizing and requires direct deposit capture services. The City owns one (1) Canon Image Formula CR190i scanner used to process checks received. [:]Yes, can provide as requested/required. Comment: [:]No, cannot provide as requested/required. 10. CONSUMER BILL PAY PROCESSING - The City requires this service (sometimes referred to E- Lockbox) for receipts of utility and other payments generated from personal customer bank bill pay programs. On a daily basis, the remittance data and payment amount captured during processing must be transmitted to the City for the update of the accounts receivable file. Yes, can provide as requested/required. Comment: [:]No, cannot provide as requested/required. 11. POST NO CHECKS The City requires the fraud protection feature or service that prevents checks being presented for payment to be posted to the accounts from which checks are not issued. [:]Yes, can provide as requested/required. Comment: [:]No, cannot provide as requested/required. --------------- ---------------- ------------ ------------ - -- ------- - - - --------------------- --------- ---------- Primary Depository Bank Services RFA Page 12 12. FUNDS AVAILABILITY — The City requires, at a minimum, same day credit for all transactions submitted before 4:00 P.M., subjef!jJftJMtaVqiL4*y schedule. Yes, can provide as requested/required. I ]No, cannot provide as requested/required. Comment: 13. EMPLOYEE CHECK CASHING — The City requires the bank to cash checks issued to employees (with proper identification) without service charges or fees to the employee or the City, and without requiring the employee to open an account with the bank. Yes, can provide as requested/required. Comment: No, cannot provide as requested/required. 14. RETURNED CHECK REPROCESSING — The City requires deposited checks to be processed for collection at least twice before making non -paid checks available to the City. The City prefers to receive rejected items electronically. The City requires same day notification of all returned items in excess of $5,000*00'. [:]Yes, can provide as requested/required. Comment: EINo, cannot provide as requested/required. 15. ACCOUNT ANALYSIS — The City requires account analysis statements by individual account and at group level, reflecting average ledger balance, average uncollected funds, average collected balance, reserve requirement, average available balance, rate and amount of earnings credit, detail of services provided with quantities and unit fees for each, and total service cost, delivered to the City on a monthly basis. This requirement api)lies to "No Fee" or "Fee Waiver" auulications.INNIS Yes, can provide as requested/required. Comment: No, cannot provide as requested/required. 16. BANK STATEMENTS The City requires that statements be rendered within five (5) working days after the close of the calendar month. Monthly cutoff of statements must occur on the last calendar day of each month. Accounts shall not be placed in dormant mode for inactivity. The statement shall include debits and credits made on the last day of the period and the detail items. Bank statements must be received on a monthly basis, even if there is no activity for the account. Checks and deposit slip images must be provided in a manner that the City can download them or save them to their internal storage systems. [:]Yes, can provide as requested/required., Comment: [:]No, cannot provide as requested/required. 17. PAYMENT FOR SERVICES The City expects to pay for all services provided by the earnings credit amount generated by account balances, or by direct payment, or a combination of both. [:]Yes, can provide as requested/required. Comment: E]No, cannot provide as requested/required. ------------------------------- Primary Depository Bank Services RFA Page 13 18. ACCOUNT SETTLEMENT —Settlement of the excess/deficient condition as reflected by the group level account analysis is re o� basis. If deficient, settlement must be made by direct debit to the City���ccoilerly [:]Yes, can provide as requested/required. Comment: No. cannot provide as requested/required. 19. RESEARCH — The City requires that all research requests are responded to within three business days of the request. [:]Yes, can provide as requested/required. Comment: [:]No, cannot provide as requested/required. 20. BANK ERRORS — Bank errors resulting in lost interest to the City must be reimbursed by the bank to the City, utilizing a mutually agreed upon method of reimbursement. [:]Yes, can provide as requested/required. Comment: DNo, cannot provide as requested/required. 21. SWEEP/INVESTMENT ACCOUNT -Applicants must provide a description of the bank's best "hard dollar" interest earning option. If a sweep option is proposed, applicant must confirm its compliance with Local Government Code Chapter 2256, the "Public Funds Investment Act" ("PFIA"), and the City's Investment Policy. E]Yes, can provide,, Comment: No, cannot provide. 22., AUDIT CONFIRMATIONS — Successful applicant must provide account balance audit confirmations to the City's audit firm annually at no charge. [:]Yes, can provide as requested/required. [:]No, cannot provide as requested/required. Comment: 23. BALANCE ASSESSMENT — Applicant must state how the FDIC Insurance Assessment on balances will be treated: (treatment must be reflected on the attached Bank Services Fee Schedule as well) [:] Fees to be waived. Ej Fees to be partially waived. ❑ Fee to be passed in full to the City. Comment: -------------- ---------- ------ - = -------------- --------- Primary Depository Bank Services RFA Page 14 24, RESERVE REQUIREMENT —Applicant must indicate whether or not a reserve requirement on balances used in calculating eami'E i�i��rIfi� it !1 I I Yes. [:] No. Reserve Requirement Comment: 25. EARNINGS CREDIT RATE — Applicant must state the ECR being proposed. ECR Comment: Primary Depository Bank Services RFA Pa g e 15 SERVICES THAT MAY BE CONSIDERED The following services are optional and�W!;`b-Meconsidere�'by the City for award; please indicate the applicant's ability to provide the services as described and the associated set-up, maintenance and/or per item processing charges: 1. 2. BANK PROVIDED ATM — The City may consider installation of a bank provided ATM for employee and public use. Yes, can provide. Comment.* INTEGRATED DISBURSEMENT SERVICES EINo, cannot provide. — The City may consider different levels of 0 outsourcing for its disbursement function including, but not 111mmited to, check printing and distribution. Yes, can provide. Comment.* INo, cannot provide. 3. COURIER SERVICE — The City may consider the use of a courier service to make daily deposits from one central location to the financial institution,, Can the bank provide this service and, if so, how would it be billed? ❑ Fees to be waived. 1:1 Fees to be partially waived; billed through analysis. [:] Fee to be passed in full to the City; billed through analysis. [:] Cannot provide. Comment: 4. REVERSE POSITIVE PAY SERVICE — The City may consider reverse positive pay on the check issuing accounts with limited and infrequent issuance. The bank shall notify the City of the checks presented for payment and the City may select the items to be honored. Yes, can provide. Comment: EINo, cannot provide. 5. SECURITIES CLEARING, SAFEKEEPING AND CUSTODY SERVICES — If Securities Clearing and Safekeeping Services can be offered for the securities owned by the City, the following requirements apply: All secu0 rities will be handled on a delivery versus payment ("DVP") basis as they are cleared into and out of the City's account,, The bank must act as securities clearing agent for all security purchases made by the City and for sales of securities from the investment portfolio, and will provide the necessary wire transfer and -- -------------- ------- ---- ----- ---------- --------------- Primary Depository Bank Services RFA Page 16 physical delivery services required to support investment activities. Necessary controls will be negotiated with the Bank. Confitri�.c� if eFbe provided to the City within one (1business day. I � The bank must provide safekeeping services for all securities owned/purchased during the term of the depository agreement pursuant to a "Custodial Agent Agreement" executed between the City and the bank. Safekeeping receipts for all security purchases must be issued within two (2) business days. All interest payments on securities held must be posted on the due date or on the next business day in the event the due date falls on a weekend or bank holiday. The City must be notified within seven (7) days of a call date notice for any securities being called prior to maturity. The bank must provide a web -based safekeeping transaction monitoring and reporting mechanism. If offered, please provide all itemized fees related to securities clearing, safekeeping and custody services as part of the Response Attachments under Safekeeping Fees. Yes, can provide. Comment: No, cannot provide. 6. SEPARATE SECURITIES CLEARING, SAFEKEEPING AND CUSTODY SERVICES — The City may select a separate bank to provide Securities Clearing and Safekeeping Services for the securities owned by the City. If the bank would consider such a relationship, please clearly indicate and provide all itemized fees related to a separate securities clearing', safekeeping and custody services agreement as a part of the Response Attachments under Safekeeping Fees. The requirements of the Securities Clearing and Safekeeping Services relationship are described above. Your response to this item will serve as your proposal to offer the services. [:]Yes, can provide. Comment: Primary Depository Bank Services RFA No, cannot provide. Page 17 COLLATERAL REQUIREMENTS ---------- ------------------------------- --------------- --------- IF V 1. COLLATERALIZATION The successful app scant shall pledge collateral to satisfy the requirements of the Public Funds Collateral Act, Chapter 2257, Texas Government Code, and the City's Investment Policy. Ledger balance shall determine the total balance level. The successful applicant shall pledge collateral equal to or in excess of the required level on a same day basis. The City's Investment Policy specifies that securities held as collateral shall have a market value equaling at least 102% of the total value of City funds held in excess of FDIC insurance levels. The City shall approve, in advance and in writing, all proposed collateral. If prior day endinyledgerbalance is to be used as the basis for calculating the requi red collateral pledge, in order to minimize any period where the City balances could be under collateralized, the City will require that the pledged amount be maintained at 110% of the prior day endiny, ledger balance. ElYes, can provide as requested/required. Comment: No, cannot provide as requested/required. 2. COLLATERAL MONITORING —The successful applicant must monitor the collateral adequacy on a daily basis, and shall provide additional collateral, as necessary, to secure balances as required by Code and the City's Investment Policy. Yes, can provide as requested/required. Comment: No, cannot provide as requested/required. 3. PLEDGED COLLATERAL CUSTODY AND SAFEKEEPING — The pledged securities shall be held in safekeeping at an independent custodian acceptable to both the City and the successful applicant. The original copy of all pledge receipts shall be filed with the City's Chief Financial Officer. Applicant must provide the name of the proposed independent custodian as well as any related fees. Name of Proposed Custodian: [:]Yes, can provide as requested/required. Comment: No, cannot provide as requested/required. 4. COLLATERAL SUBSTITUTION — Any substitutions of the pledged securities will be performed as provided for in the City's Investment Policy. Yes, can provide as requested/required., Comment: No, cannot provide as requested/required. 5. REDUCTION AND RELEASE OF PLEDGED COLLATERAL Any reductions in the total amount of pledged collateral shall be pre -approved, in writing, by an authorized signatory of the City. --------------- Primary Depository Bank Services RFA Page 18 Yes, can provide as requested/required. No, cannot provide as requested/required. Comment: Exhibit 11E11 6. COLLATERAL REPORT — The successful applicant and the custodial bank shall provide the City a monthly pledged securities report or additional reports as requested by the City. The report must describe the total pledged securities by: Name Type / Description CUSIP Par Value Current Face Value Market Value Maturity Date Yes, can provide as requested/required. No, cannot provide as requested/required. Comment: 7. FIRREA COMPLIANT BOARD RESOLUTION The Board of Directors or designated committee of the successful applicant, shall be required to provide a Financial Institutions Reform, Recovery, and Enforcement Act of 1989 ("FIRREA") compliant resolution of certification, approving the award of the agreement and commitment for delivery of the collateral, to the custodian, not later than five days before the commencement of services. The following is an extract of the FIRREA requirement from the Federal Deposit Insurance Corporation ("FDIC") Code: e) AGREEMENTS AGAINST INTERESTS OF CORPORATION.MIM (1) IN GENERAL. --No agreement which tends to diminish or defeat the interest of the Corporation in any asset acquired by it under this section or section 11, either as security for a loan or by purchase or as receiver of any insured depository institution, shall be valid against the Corporation unless such agreement -- (A) is in writing, (B) was executed by the depository institution and any person claiming an adverse interest thereunder, including the obligor, contemporaneously with the acquisition of the asset by the depository institution, (C) was approved by the board of directors of the depository institution or its loan committee, which approval shall be reflected in the minutes of said board or coll"H and (D) has been, continuously from the time of its execution, an official record of the depository institution Yes, can provide as requested/required., Comment: No, cannot provide as requested/required. - ------------- - -------------- ------------ --------- - -- -------------- Primary Depository Bank Services RFA Page 19 INVESTMENT ACTIVITIES The Public Funds Investment Act, iconjuncfl"�on ` with tre City's Investment Policy, shall govern the City's investment activity and the successful applicant shall be required to provide services within the constraints of both. Applicants must complete the attached PFIA Certification that acknowledges that they have reviewed the City's Investment Policy. 1. DIRECT INVESTMENT ALTERNATIVE — The City's direct investment activities may take place in any and all of the City accounts. The City shall have the right, at its sole discretion, to direct investment of its funds. Interest earnings on interest bearing accounts shall be credited monthly regardless of the amount, with no minimum amount restriction. The Investment Policy outlines the City's options for investing. The Investment Policy is subject to annual review and revision by the City's Council. Yes, can provide as requested/required. Comment: E]No, cannot provide as requested/required. 2. CERTIFICATES OF DEPOSIT — Certificates of Deposit ("CDs") purchased for the City shall be non-negotiable and shall be registered in the name of the City-, The CDs will be insured within FDIC insurance limits, or collateralized in accordance with the RFA requirements. Proof of 0 collateral in excess of FDIC insurance limits must be supplied to the City prior to CD settlement. Yes, can provide as requested/required. Comment: I No, cannot provide as requested/required. 3. INVESTMENT ACCOUNT - Applicants must provide a description of the bank's best "hard dollar" interest earning option. If a sweep option is proposed, applicant must confirm its compliance with Local Government Code Chapter 2256, the "Public Funds Investment Act" ("PFIA"), and the City's Investment Policy. ElYes, can provide. Comment: No, cannot provide. Primary Depository Bank Services RFA Page 20 OVERDRAFT PROVISIONS ------------------------------- ----------------------- ----------------- -------------------- -------------- t T T E 1. NET OVERDRAFT DEFINED — TXhe City does not intend to have a net overdraft position occur during the term of the agreement,, raft shall A net overdbe defined as a negative balance in the C� -City's accounts collectively, not by individual account. [:1 Yes. Comment: ❑ No. 2. NOTIFICATION — In the event a check or checks shall be presented for payment where there are insufficient funds in City's collective accounts, the successful applicant agrees to promptly notify the City's Accounting Manager or other signatory person, by telephone or other means, of the overdraft condition, and to provide the City a period not exceeding one business day to respond and rectify the condition. DYes can provide as requested/required. Comment: [:]No, cannot provide as requested/required. 3. STIPULATIONS — Should a net overdraft condition occur; the following shall apply: Maximum number of banking days the overdraft shall be allowed: Maximum amount of the overdraft: $ Interest rate per annum computed on the overdraft: Comment: Primary Depository Bank Services RFA Page 21 OTHER STIPULATIONS REGULATION NOTIFICATIONg"rie success applicant shall notify the City in writing within thirty (30) days of any changes in federal or state regulations, or laws that would affect an y agreement resulting from this RFA, [:]Yes, can provide as requested/required. Comment: E:]No, cannot provide as requested/required. 2. INCOMING WI RE TRANSFERS —Notification ofil incoming wire transfers shall be made by telephone, fax, or email to the City's Accounting Manager within one hour of the transaction and a written confirmation mailed to the City the same day of the transaction. Yes, can provide as requested/required. Comment: No, cannot provide as requested/requi*red- 3. RIGHT TO CA210EL UTDER FEE,ERAI, OR STATE LAW RULINGS — In the event it would be ruled illegal under the provisions of any federal or state laws or regulations for the successful applicant to comply with the requirements of this RFAA or any resulting agreement, then the City 0 expressly reserves the right and privilege to cancel the agreement and to re -solicit applications. Yes, can provide as requested/required. Comment: No, cannot provide as requested/required. 4. ACCESS TO BANK RECORDS —The successful applicant's records relating to the City's accounts shall be open for review during normal business hours by designated City staff members or appointed independent auditors. [:]Yes, can provide as requested./required,, Comment: EjNo, cannot provide as requested/required. 5. RIGHT TO OPEN & MAINTAIN OTHER ACCOUNTS The City reserves the right to open and maintain one or more demand accounts at financial institutions not affiliated with the successful applicant. ❑ Acknowledged. Comment: 6. DEPOSITORY BANK SERVICES AGREEMENT — The City requires that the successful applicant execute a mutually acceptable Depository Bank Services Agreement with the City. Yes, can provide as requested/required. Comment: No. cannot provide as requested/required. 7. SECONDARY DEPOSITORY BANK — As a component of its disaster recovery plan, the City may consider maintaining a contractual agreement for a secondary depository bank relationship should an event occur that makes the primary Depository Bank inaccessible to the City. --------------------------- ----------------------------- Primary Depository Bank Services RFA Page 22 Denending on the outcome of this RFA for a nrimary De-nository Bank relationship. would the applicant consider entering into,����nl�Orf4rq��iary relationship? 1�J Z . . [:]Yes, can provide as requested/required. [:]No, cannot provide as requested/required. Comment: 8. RIGHT TO TERMINATE — The City expressly reserves the right to temu"nate any agreement resulting from this RFA with or without cause at any time by providing ninety (90) days written notice to the successful applicant to close its accounts. [:1 Acknowledged. Comment: 9. TERMS FIXED — All fees, rates, and conditions shall be fixed for the entire term. E:]Yes, can provide as requested/required. Comment: [:]No, cannot provide as requested/required. 10. ONE RELATIONSHIP OFFICER —City requests one relationship manager to coordinate the successful applicant's efforts directly responsible for facilitating all City/applicant interaction: Description Relationship Officer Name Title Phone Primary Depository Bank Services RFA Page 23 MISCELLANEOUS SEMI-ANNUAL MEETING — months to evaluate the working- relationship between the City and the successful applicant. The objective shall be to address any problems and to seek solutions as well as keeping abreast of changes, new services, or new requirements. [:]Yes, can provide as requested/required. Comment: No, cannot provide as requested/required. 2. FORMAL AGREEMENT REQUIRED —The final appointment of the successful applicant shall be subject to approval by the City of Round Rock City Council. The successful applicant shall be required to enter into an agreement that incorporates all of the requirements of applicant's official response to this RFA, along with the accompanying related schedules and materials as required by this RFA. Required attachments include: collateral custodial agreement, FIRREA bank certification, and PFIA investment provider certification. Yes, can provide as requested/required. Comment: [:]No, cannot provide as requested/required. I ADVERTISEMENT ACKNOWLEDGED This RFA has been duly advertised and is being offered for consideration to financial institutions as permitted by state law and City policy. [:] Acknowledged. Comment: This Iequest for Application is being offered by the following person duly authorized to act on behalf of, the City. Susan Morgan, Chief Financial Officer - - ------------ Primary Depository Bank Services RFA Page 24 EXHIBIT 1 IDI BANK TRANSACTIONS BY ACCOUNT - -------------- .................................................................................................................................................................................................................................................................................................................. ......................................... September 2016 ..................................................... .............................................................................................. .......................................................................................................... .............................................................. BEGINNING CREDITS DEBITS ENDING DESCRIPTION BALANCE NUMBER AMOUNT NUMBER AMOUNT BALANCE !212erafing$ 19,717,053 324 $ 4692531242 115 $ 46,9669392 $ 1990039904 Accounts P a able - 21 1096599799 470 1096599799 - Payroll - 17 492889797 81 492889797 - Financial Services - 3361 199519313 66 1995193131 1 utility 18 494881 103 49488 CDBG/HUD 79807 3 139183 3 99775 119215 I&S Debt Service 491201 2 409826 1 409723 49223 DT Land Group 12898821 2 1497741 24 69191 1379465 TOTAL $ 19985798621 723 $ 63922694221 863 $ 6399279478 $ 1991569807 ------------- - ----------- --- ---------- Primary Depository Bank Services RFA Page 25 EXHIBIT 2 ]MIDI ACCOUNT ANALYSIS SUMMARY ................................................. .................................................................... ................................................ .................................................................... ................................................ .................................................................... Period Avg Collected ................................................................. ................................................................. ................................................................. Avg. Float .......................................................................... .......................................................................... .......................................................... Avg. Available Balance Oct- 15' .................................. ..................................................................... $ 19853427,,': $ 615454, ............................................................................................................................................ $ 19237973,, Nov-151199802�147 ................................................ :...................................................................................................................................................................... 5135187 1992889960 I ............................................ Dec- 15' ........................................................................................................ 1996029106 i 235211 19366895 ......................................................................... Jan- 16 ...................................................................................................................................................... 19868832,, 253004, 19615828,, ........................................................ ................ Feb 16 .................................. ..................................................................... 1999979326 255757 .................................................................. 19741569 ........................................................................ Mar-161 ................................................. 1996299545 ....................................................................................................................... 2579305 1993729240 ........................................................................ Apr- 16 ......................................................................................... 19790478,, 199272, ............................................................................................................................................ 1995919206 May- 16 19822028,, 357151, 1994649877 ......................................................................... Jun- 16........................................................................................................................................ 19924745,, 442049, 19482696,, ......................................................................... Jul 16:' ................................................ :...................................................................... 1850439047 ' 1879628 ' .................................................................. 1798559419 ..................................................................... Aug 16 ............................................. :........................................................................................................................................... 2093719719 353953, 20017766,, Sep- 16: .................................... .......... 18498646 254549 182449097 Total ................................................ $ 23592049046 $ 399249520 $ 23192799526 ................................................ Average .................................... .................................................................... $ 1996009337 1 ................................................................. $ 3279043 ........................................................................ 1 $ 1992739294 Primary Depository Bank Services RFA Page 26 AFP SERVICE CODE BANK SERVICES FEE SCHEDULE 1 lEl CITY OF ROUND ROCK VOLUMES FROM SEPTEMBER 2016 ACCOUNT ANALYSIS DESCRIPTION ACCOUNT SERVICES 010000 ACCOUNT MAINTENANCE 010020 CASH CNTRN BACKVALUE SVCS 010020 CASH CONCENTRATION MAINTMASTER 010021 CASH CONCENTRATION MAINT SUB 010100 DEBIT POSTED - ELECTRONIC 010101 CREDIT POSTED- ELECTRONIC 010307 STATEMENT CYCLES 150OZZ POST NO CHECKS MAINTENANCE BANKING CENTER SERVICES 10004A BRANCH ORDER CURRENCY STRAP 100040 BRANCH ORDER PROCESSED 100044 BRANCH ORDER - COIN ROLL VAULT SERVICES 100100 VAULT DEPOSIT 100110 VAULT DEPOSIT ROLLED COIN 100111 VAULT DEP PARTIAL OR MIXED BAG 100114 VAULT DEP NON STD STRAP - NOTE 100501 VAULT DEPOSIT ADJUSTMENT 100520 VAULT DEPOSIT ADJUSTMENT NOTIF DEPOSITORY SERVICES 10101 CREDITS POSTED 100200 ICL DEPOSIT EARLY 100210 ON -US STANDARD 100210 FILE TRANSMISSION REC.- VPN 100210 ON US PREMIUM 100214 IMAGE GROUP ONE 100214 IMAGE GROUP TWO 100214 IMAGE GROUP TWO - TIER 2 100220 CHECK DEPOSITED -ON US 100224 CHECK DEPOSITED -TRANSIT 100230 DEPOSIT CORRECTION 100400 RETURN ITEM 100402 RETURN ITEM REDEPOSIT 100419 RETURN - EMAIL NOTIFICATION 999999 IMAGE QUALITY SUSPECT ITEMS 999999 NON -CONFORMING IMAGE ITEMS VOLUME UNIT PRICE ($) SERVICE CHARGE ($) 6 - 5 - 1 - 5 177 460 - 6 - 3 - 231 - 6 121997171 - 6 - 4 - 224 - 21 - 26 - 21 866 29818 19113 19420 - 82 756 - 1 - 6 - 16 - 6 - 12 - 1 - -------------------------- - ---------- - --------------- --------------- --------------- -- ---- - -------- - --- -------------- Primary Depository Bank Services RFA Page 27 10100 10112 150000 150030 150110 150410 150412 150501 151351 151710 200306 150030 150122 150300 150320 151351 151353 151353 200010 200110 200201 200301 350100 350124 350300 350320 50030 50300 50311 250000 250000 250100 250101 250120 250200 250201 250302 250400 250501 251050 DISBURSEMENT SER0 itE it CHECK / DEBIT POST)nlilblt CONTROLLED DISB FUNDING CONTROLLED DISB ACCT MAINT EXCEPTION NOTIFICATION - ACCT CONTROLLED DISB CHECK POSTED STOP PAYMENT - ELECTRONIC STOP PAYMENT AUTOMATIC RENEWAL CHECK CAS-HINGNON T HOLDER IMAGE STORAGE PER ITEM CHECK INQUIRY MAINTENANCE RECON REPORT / STATEMENT MAINT RECONCILIATION SERVICES POSITNE PAY MAINTENANCE PAYEE NAME VERIFICATION EXCEPTION ITEM CHECK EXCEPTION RETURN IMAGE CAPTURE PER ITEM CD ROM - PER CD CD ROM MAINTENANCE FULL RECONCILEMENT - MAINT FULL RECONCILEMENT - PER ITEM ISSUE INPUT F E WITH RECON OUTPUT FILE WIRE - U.S. ELECTRONIC FED DEBIT S/T ELECTRONIC BOOK DEBIT S/T FED CREDIT S/T BOOK CREDIT AUTOMATED CLEARING HOUSE ELOCKBOX MAINTENANCE ELOCKBOX TRANSACTION RECEIVED ELOCKBOX TRANSACTION REFORMAT ACH MAINTENANCE JPM ACCESS ACH MAINTENANCE DEBIT ORIGINATED ACH DEBITS\CREDITS ORIGINATED ADDENDA RECORD ORIGINATED DEBIT RECEIVED CREDIT RECEIVED RETURN ITEM RETURN NOTIFICATION - EMAIL ACH BATCH/FILE PROCESSED DEBIT BLOCK MAINTENANCE 180 - 42 - 1 - 3 470 - 6 - 3 - 7 651 - 3 - 3 - 3 547 - 6 - 1 651 I - 1 - 3 650 - 11 - 6 - 161- 1 - 8 - 1 - 2 6,912 69912 - 3 - 2 49635 39431 - 19 - 81 364 - 10 - 10 - 15 - 6 - --------------- -------------- Primary Depository Bank Services RFA Page 28 251051 ACH ADA AUTHORIZED ID 251070 NOTffICATION OF CH���ibit r1 L251070 NOTIF OF CHANGE - 259925 ELOCKBOX FILE PROCESSING RECEIPTSTREAM/ENH REC SVCS 300524 R$ EDI RPTG SUM REPORT 300524 EDI DETAIL REPORT-JPM ACCESS JPMORGAN ACCESS 40044Z ACCOUNTS REPORTED 400610 MONTHLY SERVICE 40066Z TRANSACTIONS REPORTED - 45 DAY 40066Z CONT DISB CHECKS REPORTED 40066Z EXTENDED TRANSACTION DETAIL 136 1881 8 - 1 19119 482 4824. - WSS OTHER FEES 459999 FEES - ACCOUNT MAINTENANCE 1 - PREMIUM ASSESSMENT FEE 000230 PREMIUM ASSESSMENT FEE 18,500,000 1 TOTAL MONTHLY CHARGES SUPPLIES TAMPER PROOF DISPOSABLE BAGS SELF -INKING ENDORSEMENT STAMPS CARBONLESS DEPOSIT TICKETS TOTAL OTHER CHARGES EARNINGS CREDIT FORMULA/RATE BASIS CURRENT RATE AVG COLLECTED BALANCE LESS RESERVE REQUIREMENT INVESTIBLE, BALANCE ESTIMATED MONTHLY EARNINGS PREMIUM ASSESSMENT FEE FORMULA/RATE BASIS CURRENT RATE AVG COLLECTED BALANCE ESTIMATED MONTHLY EARNINGS LESS: MONTHLY SWEEP FEE ESTIMATED NET MONTHLY EARNINGS 0*000 0 0 0 0 --------------- - -- - - ------- - ---- ---------------- ----------------------- ------------------ ---------------- -- - ---------- ----- ---------------------------------------- - - - - - -- - ------ m III � -------------- ----------------------------------------------------- - ---------- ---------- Primary Depository Bank Services RFA Page 29 RESPONSE ATTACHMENTS (ALL ATTACHMENTS MUST BE RE ORDER LISTED) PONSE - PLEASE ATTACH IN THE 1. ACCOUNT ANALYSIS —Sample monthly account analysis statement 10 in the format that will be provided to City. Applicant must indicate any capability to provide the information electronically. 2. RATE BASIS —Applicant must include an explanation of the applicant's policy and methodology used in setting rates paid on interest bearing accounts and account analysis earnings credit, and must indicate if rates are based on a market rate such as T-Bill discount or yield rate, or the Federal Funds rate, etc., and when the rates are changed. Applicant must provide a historical schedule of rates paid. I SAMPLE COLLATERAL AGREEMENT. 4. SECURITY MEASURES — Applicant must provide a detailed description of security measures to prevent fraud and unauthorized electronic and non -electronic transfers, and protect the integrity of computer banking services and internal computer systems. 5. TECHNOLOGY SPECS —Applicant must provide detailed descriptions and specifications for use of all proposed electronic systems and services. 6. SAFEKEEPING FEES — Attach a schedule which shows all safekeeping related fees, if offered. 7. SAMPLE SAFEKEEPING REPORT —Sample monthly safekeeping report of the City owned securities, if offered. 8. INVESTMENT ACCOUNT INFORMATION — Applicant must provide information on the sweep account or investment account recommended, for use by the City as well as detailed information on the applicant's most attractive interest yielding option. 9. SUMMARY BUSINESS CONTINUITY PLAN — Summary of the applicant's business continuation plans as they pertain to the City"s ability to perform normal banking functions during natural and un-natural bank operation disruptions, including a statement of commitment to provide the City continuous and ongoing Depository Bank services to the best of the successful applicant's ability. 10. REFERENCES — List of at least three (3) comparable references and current Texas Public Funds clients, including total number of collateralized Texas Public Fund clients. 11. SAMPLE FIRREA COMPLIANT DOCUMENT. A sample copy of applicant's FIRREA compliant document that clearly shows that the aupFplicant's Board or designated committee has accepted the depository agreement and authorized the pledge of collateral, with a permanent record of this action to be maintained in the minutes of the applicant. - - -- -- - ----------------- -- ------- ---- ---- ------- ------- - - - - -------- - - ---------------- - - -- -------- -------- ---- --------- - -------------- ---------------- -------- - - - -------------------- Primary Depository Bank Services RFA Page 30 INVESTMENT POLICY Investment-Policy-J a n uary- 14-20 16 -FINAL Primary Depository Bank Services RFA Page 31 Exhibit "F" Proposal in Response to Primary Depository Bank Services RFA No. 17-002 Due Date: December 19, 2016 Disclosure Statement This document was prepared exclusively for the benefit and internal use of the party to whom it is directly addressed and delivered (the "Organization") in order to assist the Organization in evaluating certain products or services that may be provided by J.P. Morgan. Chase, J.P. Morgan and JPMorgan Chase are marketing names for certain businesses of JPMorgan Chase & Co. and its subsidiaries worldwide (if and as used herein may include as applicable employees or officers of any or all of such entities irrespective of the marketing name used). Products and services may be provided by commercial bank affiliates, securities affiliates or other J.P. Morgan affiliates or entities. In particular, securities brokerage services other than those which can be provided by commercial bank affiliates under applicable law will be provided by registered broker/dealer affiliates such as J.P. Morgan Securities LLC, J.P. Morgan Institutional Investments Inc. or by such other affiliates as may be appropriate to provide such services under applicable law. Such securities are not deposits or other obligations of any such commercial bank, are not guaranteed by any such commercial bank and are not insured by the Federal Deposit Insurance Corporation. The information herein does not purport to set forth all applicable issues and is not intended to constitute advice on legal, tax, investment, accounting, regulatory or any other matters. J.P. Morgan makes no representations as to such matters or any other effects of any transaction and shall have no responsibility or liability to you with respect thereto. You should consult with your own advisors regarding such matters and the suitability, permissibility and effect of any transaction. In no event shall J.P. Morgan nor any of its directors, officers, employees or agents be liable for any use of, for any decision made or action taken in reliance upon, or for any inaccuracies or errors in, or omissions from, the information herein. The information herein is not intended as nor shall it be deemed to constitute advice or a recommendation regarding the issuance of municipal securities or the use of any municipal financial products. J.P. Morgan is not providing any such advice or acting as the Organization's agent, fiduciary or advisor, including, without limitation, as a Municipal Advisor under Section 15B of the Securities and Exchange Act of 1934, as amended. Money Market Funds: NOT FDIC INSURED - NO BANK GUARANTEE • MAY LOSE VALUE You could lose money by investing in a money market fund. With respect to a money market fund that qualifies as a "retail" or "government" money market fund under applicable money market fund regulations, although the money market fund seeks to preserve the value of your investment at $1.0o per share, it cannot guarantee it will do so. In the case of a money market fund that does not qualify as a "retail" or "government" money market fund, because the share price of the money market fund will fluctuate, when you sell your shares they may be worth more or less than what you originally paid for them. If a money market fund does not qualify as a "government" money market fund, effective October 14, 2016, the money market fund may impose a fee upon sale of your shares or may temporarily suspend your ability to sell shares if the money market fund's liquidity falls below required minimums because of market conditions or other factors. An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. A money market fund's sponsor has no legal obligation to provide financial support to the fund, and you should not expect that the sponsor will provide financial support to the fund at any time. For J.P. Morgan Funds - Call 1-800-766-7722 for a fund prospectus. You can also visit us online at www.jpmorganfunds.com. Investors should carefully consider the investment objectives and risk as well as charges and expenses of the mutual fund before investing. The prospectus contains this and other information about the mutual fund. Read the prospectus carefully before investing. JPMorgan Funds are distributed by JPMorgan Distribution Services, Inc., which is a subsidiary of JPMorgan Chase & Co. JPMorgan Chase Bank, N.A. may receive compensation from the fund, the management company for the fund and/or the distributor of the fund for providing services as described in the prospectus for the funds. Affiliates of JPMorgan Chase & Co. also receive fees for providing various services to the funds. Securities may be provided by J.P. Morgan Institutional Investments, Inc., member FINRA/SIPC. For Third Party Funds - The distributors of the third party funds are not affiliated with J.P. Morgan. J.P. Morgan may receive compensation from a third party fund, the management company for the third party fund and/or the distributor of a third party fund for providing services as described in the prospectus for the funds. For all Funds - Carefully consider a fund's investment objectives, risks, charges and expenses before investing. This and other important information is included in the fund's prospectus, which should be read carefully before investing. Prospectuses for mutual funds can be obtained by contacting your relationship manager. This proposal is subject to and conditioned upon a mutually agreeable contract between the Organization and J.P. Morgan. J.P. Morgan also requires execution of all applicable product and service agreements. Implementation of products and services is subject to and conditioned upon the condition of satisfactory completion of J.P. Morgan's "Know Your Customer" due diligence and meeting product requirements. These steps are included in J.P. Morgan's client onboarding process. This document may contain information that is confidential and/or proprietary to J.P. Morgan. Such information is marked "confidential" and may not be copied, published or used, in whole or in part, for any purpose other than as expressly authorized by J.P. Morgan. To help the United States government fight the funding of terrorism and money laundering activities, U.S. law (Section 326 of the USA PATRIOT Act) requires banks and certain other financial institutions to obtain, verify, and record information that identifies each client that opens an account. What this means for our clients: Before opening a new account, we will require you to provide name, address, taxpayer identification number, and other information and/or documentation that will allow us to identify the account owner(s), as required by law. J.P. Morgan is licensed under U.S. Pat Nos. 5,910,988 and 6,032,137. All trademarks, trade names and service marks appearing herein are the property of their respective owners. This document does not constitute a commitment by any J.P. Morgan entity to extend or arrange credit. © 2016 JPMorgan Chase & Co. All Rights Reserved. JPMorgan Chase Bank, N.A. Member FDIC. J.P. Morgan supports sustainable business practices and adheres to the principles of environmental � rr r r r sustainability wherever possible. Page i J.Pmorgan ApplicationSubmitted By............................................................. 1 CoverLetter ■ .................................... ■ ■.,...,......,,,,,,,,.... ■ ■ ■ ■..,....,.,... ■ 2 ExecutiveSummary..................................................................... 4 SolutionOverview............ NONE sommommmom mommoommommomomm 10 RequiredServices..................................................................soon 20 Services That May Be Considered ............................................... 52 Collateral Requirements................... end 60 InvestmentActivities................................................................. 64 OverdraftProvisions.................................................................. 66 OtherStipulations...................................................................... 67 Miscellaneous............................................................................ 75 BankServices Fee Schedule....................................................... 77 ResponseAttachments.............................................................. 80 : ... Appendix 1, Availability Schedules Appendix 2, Certification By Business Organization Letter Page i, JOPOM" rgan T I APPL1(E1K-1.hiWtdMF1 ED BY This application is being submitted to the City yfollowing persondulyb the authorized to act on behalf of this applicant. Name of Financial Institution Address of Financial Institution Telephone # Email Address Officer Name &Title (printed) Officer Signature J.P. Morgan 221 West 6th Street, Floor 2 Austin, Texas 78701 512 479 2720 larnell.camus@jpmorgan.com FDIC Certificate #, Larnell Camus, Executive Director Signature indicates respondent accepts the specifications, terms and conditions of this RFA and that applicant is not delinquent on any payment due the City or involved in any lawsuit against the City. Date: December 16, 2016 JPMorgan set forth in Chase Bank, N.A. signs this application subject to the claritications and exceptions our response to question ;.r; 6 in the Other Stipulations Section of our response. --------------- ---------------- ----- ------- --------------- ---- ----- - -- --------------------- ------------------------------- -------- --------------- ------------ - - --------------------------- Primary Depository Bank Services RFA Page 7 Exhibit F" Larnell Camus Relationship Executive Government Banking December 16, 2016 City of Round Rock, Purchasing Department City Hall, Reception Desk, First Floor Mr. Mike Schurwon, Purchaser 221 E. Main Street Round Rock, Texas 78664 Re: RFA No. 17mOO2 - Primary Depository Bank Services To the City of Round Rock: On behalf of J.P. Morgan Chase Bank, N. A. ("J.P. Morgan"), I am pleased to submit our response to the City of Round Rock RFA for Primary Depository Bank Services. We very much value and appreciate the opportunity to respond to this RFA, and we are confident that our products, customer service, technology,, and proactive efforts will meet the City's current and future needs. As one of the leading providers of financial services to the public sector industry and with a team of professionals solely dedicated to serving the government industry, our collective expertise is exceptional. We believe J.P. Morgan is best suited to perform the duties as the City of Round Rock's banking provider for the following reasons: • Strength and Capabilities - J. P. Morgan is organizationally and financially committed to serving government agencies at the Federal, State, and Local levels. We currently serve more than 6,100 public sector entities, many of which we have worked with for decades, a testament to the quality of our people and our treasury solutions. We bring a disciplined, informed focus to our work with the Public Sector, supported by our vertical Government line of business dedicated to bringing innovative solutions, and backed by our highly trained implementations, operations and client services representatives. We also have the ability to leverage the expertise of J.P. Morgan's proprietary Industry Solutions group to bring you innovative ideas to help with efficiencies. We raised more than $10.7 billion in financing for local governments and non-profit organizations in Texas in 2015, • Customer Service - J. P. Morgan has structured its customer service group based on market surveys of our clients' needs and the expectation of superior service. The City will have a dedicated Client Service Professional (CSP), and aback-up, who will assist with your day-to-day needs. All have extensive client service experience and are dedicated CSPs for our public sector clients. As your Relationship Manager, I will be responsible for providing cutting -edge solutions and ideas. We commit to meeting with the City on a quarterly basis to discuss customer service, to offer updates on evolving product enhancements, and for a formal annual relationship review. • Earnings Credit Rate - we will pay a very aggressive Earnings Credit Rate (ECR equal to the Texas Government Premium ECR rate plus 0.05% (currently 0.40% as of November 2016). • Commitment - J.P. Morgan is pleased to offer the City 6 months waived account analVS1S fees. We will also o[Ler up to 5 desktop scanners to help transitionLrom paper to electronicDrocessin�provrdin the City imaged codes o�'checks r days and reducing deDosit adjustment errors. 221 West 6th Street, Floor 2, Austin, Texas 78701 Telephone: +1 512 479 2720 Facsimile: +1 512 479 2239 lamell.camus@jpmorgan.com JPMorgan Chase Bank, N.A. J.P. Morgan is excited for the opportunity to continue to work with the City and provide an unsurpassed combination of financial strength and dedication. We have drawn from our extensive experience, industry leadership, and history of innovation to demonstrate our ability and convey our enthusiasm to service the City of Round Rock's banking services requirements. On behalf of J. P. Morgan, we thank you for your consideration of our proposal. We welcome all opportunities to answer questions or provide other clarification. Sincerely yours, gr NO Larnell Camus Executive Director Relationship Executive This proposal is subject to and conditioned upon a mutually agreeable contract between the City of Round Rock and J.P. Morgan and execution of all applicable product and service agreements. This proposal is valid for 180 days from the submission date. J.P. Morgan would like to thank the City of Round Rock ("the City") for your patronage and relationship over these past five years. We understand that the City seeks a qualified provider to fulfill your Depository Banking Services needs as completely, efficiently and timely as possible — a bank that can provide the highest quality service at the best value. With decades of experience working with all levels of government, including entities like the City, our government banking team will work diligently to provide a solution that exceeds your expectations. In reviewing your objectives as your incumbent depository bank, we feel uniquely qualified to provide the overall best value solution for the City's Depository Banking Services. The City can look to J.P. Morgan to provide the highest value of services at the overall best value. We can help you maximize the efficiency of government operations while supporting you in the most cost-effective manner. Our pricing strategy is transparent. Experience in the Public Sector Many firms say treasury services is a core competency but what distinguishes J.P. Morgan is that many of our capabilities have been designed and implemented for the government sector, based on our 30+ years experience serving clients like the City. More than 2,80o government clients choose J.P. Morgan for treasury services. Our commitment to the government sector is founded in a shared belief that efficient and responsive public administration is essential to serving the needs of individuals and communities. Most importantly, we can leverage best practices and solutions implemented for other public sector clients with similar requirements to provide the City with the best solution. Furthermore, the City can be sure we will continue to serve your constituents in many ways. We invest in our communities and work with our community -based providers to provide creative solutions that respond to local community development needs. As our mission to servicing relationships is built on a strong value and belief that we should never rest on past performance, we will look for continual process improvement in all that we do for the City today and in the future. Page 4 J,. Jr. Morgan Our presence is highlighted below: Our Presence in Texas and Round Rock As of January 1, 2016, JPMorgan Chase & Co. employed 24,58o employees in Texas of which 60 live in the City of Round Rock. We serve over 42,627 consumers and more than 3,008 small businesses in Round Rock through 9 banking centers and 12 ATMs. • firta . ng to over ne�n. cind nonpi-o t- — JPMorgan Chase raised more than billion in financing for local governments and n#-m-profit organizations in Texas ill 2€ 11 •Lenciling to small usif ne se — JPMorgan Chase continues to be there in support of synall businesses tlir€ Ugl OLIt Tee «s, alai g « difference locally by extending S, 1.4.- billion in credit through 26,695 loans in 2()t )o • ky-o g the yea — f.TP.Morg< 1i C ease and its predecessor c€ inpanies Iiave been a part of 'Texas since t866. Our roots (late N:ick to the foundirig of the .1"Irst Nati€ n<4-i � link of tIouston. J.P.Personalized Servi.ce from vour Dedicated Morgan Team J.P. Morgan has a strong global platform, but it is our people that are unmatched by our peers. Your J.P. Morgan team will bridge your needs with financial tools to help you control costs, optimize cash flow, manage resources and make informed business decisions that will provide long term, enduring value. Your relationship team will work together to offer the City premier products and best -in - class service. With a shared sense of urgency, the City's relationship team will resolve issues and provide solutions in a thorough and timely manner. Regular relationship reviews will offer insight into new services as well as take a relationship checkup to see how our team is performing. Your primary relationship manager and banker is Larnell Camus. Andy Sowa will be the City's main point of contact for any treasury management services. And your day-to-day contact is Maria Arreola, who is your dedicated client service professional. Larnell has been with J.P. Morgan for over 36 years with the last 13 committed to Government. Andy has been with the firm 7 years with nearly 20 years of industry experience. Your dedicated client service professional, Maria, has been with the company since 1983. Implementation Maintaining the City's relationship with J.P. Morgan allows you to continue your current treasury services without disruption. You will avoid a time-consuming and costly conversion process by choosing to retain us as your banking services provider. The City's Page 5 P'",* Mor�an employees can focus their valuable resources on other projects, which ultimately saves you significant work, time and money. Some of the advantages for the City are that accounts and processes will not change and your previously established client service and implementation teams, who are knowledgeable about your operations, will continue to support you. There will not be a need to assemble a transition team or train employees on a new service. Another benefit of renewing the contract with J.P. Morgan is that the City will avoid many of the burdensome procedures and costs associated with switching financial service providers. In addition, your previously established Client Service and Implementation teams will continue to support you. They are already knowledgeable about your accounts and operations and will not require the learning curve of a new provider. If you decide to add more complex services, J.P. Morgan will work with the City to implement them. An implementation project manager, who has end -to -end ownership and accountability for the process, is responsible for communicating regularly with you and coordinating activities and seeing to it that all documentation is validated and linked to your account across the bank. Regular, often weekly, meetings are held to share information and measure progress. The implementation project manager will work with the City to establish timelines for additional phases of service and then coordinate with the appropriate teams across both organizations to complete the setup. For simple requests, or to add incremental services, your team `N/U act on the requests as quickly as possible and notify the City when completed. Investing in nn o va n Many clients like the City can take advantage of innovative technological improvements in the banking industry and seek new services being offered by leading banks. Our ability and commitment to implement new technologies is critical for you to succeed in meeting your business objectives. We realize that finding the solutions you need requires us to be a thought leader. We invest our time and resources strategically to make sure that our products and services remain technologically advanced and market -focused. We continually conduct research and monitor developments in the marketplace to anticipate your needs and strive to make certain our products meet them. Our scale fuels continuous investment in our products and services, which in turn supports the introduction of technology enhancements and the latest best practices for risk management, including comprehensive business resiliency. The scale and capabilities of our platform translate into continuous efficiency gains for our clients. Page 6 J'ol? Morgan We have heard you. In response to the needs our clients' voice, we continue to strengthen our foundation and strategically enhance our product set: Differentliating. by Investing in Innovation Strengthening our Foundation • Strengthen the City's experience by allowing a more consistent client experience across channels. • Improve the user experience by swiftly remediating capability gaps and pain points. • Strengthen sales and service execution b providing g Yp g a more � comprehensive view of your relationship with us. Delivering Product Innovation 0 Facilitate migration to electronic payments. • Increase straight -through posting of payments. • Provide affordable, easy -to -implement cross -border payment solutions. • Integrate fully into industry workflows, pro`iding end -to -end solutions that address unique industry needs. J.P. Morgan's particular expertise lies in adapting and aligning our vast breadth of solutions to the specific operating requirements and unique environments of our clients. We accomplish this by listening to our clients to develop an understanding of their operating environments. We then move ahead by constructing a solution that not only meets our clients' existing operational needs, but that also challenges them to consider operational improvements. It is our intent to bring this same approach to the City as we endeavor to strengthen and grow our relationship. rfechnolo*7 Ability and commitment to implement new technologies is important. Many clients wish to take advantage of innovative technological improvements in the banking industry and seek new services being offered by leading banks. J.P. Morgan continuously invests in our technology solutions in order to benefit clients like you. Recent innovations focus on process automation, regulatory and control improvements, and imaging technology upgrade. Additionally, we enact strict controls and apply secure technology to safeguard constituent data and transactions and will collaborate with you on industry best practices for risk management and data security. Page j.P. Mf)9�i1I1 I 0-Arength and rinancita N Stability Financial strength and stability remain a key objective for all government clients. The City demands the highest degree of safety for the financial assets entrusted to your banking services provider. J.P. Morgan has developed and maintained strong financial discipline throughout fluctuating market conditions. We follow sound accounting standards, provide transparent public reporting, and offer first-rate information management systems. We have the financial stability to pro«de our clients with a broad, complete and high -quality set of products and services —while leveraging the benefits and efficiency that come with economies of scale. During the economic downturn, government clients sought J.P. Morgan as a safe harbor for funds, as seen by an increase in government deposits during the past five years. For the past several years, J.P. Morgan has invested hundreds of millions of dollars in: • Enhancing our cash management and treasury liquidity capabilities. • Analyzing and repositioning our global footprint. • Reinvesting in technology solutions. We continually look to technology to enhance our solutions, reduce processing costs, and increase operating efficiency. For clients like the City, this means delivering new platforms and technology. Innovative products like mobile banking are being widely adopted and will deliver increasingly sophisticated and enhanced functionality over the coming years. Conduct your treasury business —check cash positions, initiate transactions, approve transactions, decision positive pay exceptions, and check alerts —anywhere, anytime, on your choice of devices. Our financial objectives include continuing to reduce transaction banking fees over time by• • Investing in new platforms. • Reengineering our own processes. • Centralizing more back -office operations in cost-effective locations. • Introducing environmentally -friendly practices to reduce paper and embrace a fully electronic world. In turn, we bring those efficiency savings to the City by offering best value solutions that optimize quality, cost, and efficiency. Page 8 J.EMoroun %,onclusion After careful and thoughtful review of the City's objectives, we present our proposal for Bank Depository Services. We are confident that our product capabilities, personal service and public sector expertise are unmatched by our peers and position J.P. Morgan to provide you with the greatest value today and in the future. In closing, we would like to express our strong interest and desire to continue to provide the City's banking services. Our proposal is intended to demonstrate our capabilities and to illustrate that by selecting J.P. Morgan, you are choosing a reliable and conscientious service provider. We have the experience, the products, and the people to effectively and efficiently manage your business, and we look forward to building upon a banking relationship with the City. Thank you for your consideration. Page 9 J'o P"o Morgan The key building blocks of our proposal include solutions to further enhance the automation and electronic commerce initiatives that will help the City enhance operational productivity- while managing banking expenses and still maintaining key services for your constituents. J.P. Morgan would like to offer this brief overview of our solutions that address the Criteria for Evaluation. J.P. Morgan's capital strength allows us to invest in technology to meet clients' changing needs. J.P. Morgan continues to leverage technology to help clients receive the products and services they require to increase efficiency, reduce expense, improve client service and enhance their competitive positions in their own markets. In 2016, J.P. Morgan Treasury Sen ices plans to invest $195 million in enhancing its cash management and treasury liquidity capabilities, expanding its global footprint and reinvesting in technology solutions. The bank continually looks to technology to enhance the solutions it provides, as well as reduce processing costs and increase operating efficiency. J.P. Morgan is focused on advancing our mobile banking and transaction capabilities, and enhancing transaction speed and security. We continue to strengthen our foundation and strategically enhance our product set to provide solutions that will meet City of Round Rock's needs today and in the years to come. Disbursement Solutiolis We are focused on developing innovative solutions that result in more efficient and cost effective payables solutions for our clients, including helping to accelerate their migration to electronic payments. Organizations that have adopted electronic treasury functions are generating financial and productivity efficiencies that include reducing transaction fees, lowering indirect business expenses, saving labor costs, while also improving transparency and security. With over 15 years of experience delivering full -spectrum payables automation solutions, we believe that our holistic payables methodology sets J.P. Morgan apart. This methodology is governed by a working capital rule -set that defines the optimal method and timing of payment for each of your vendors and suppliers. J.P. Morgan understands that creating working capital efficiencies will optimize the payables process as a direct result. This runs contrary to solution providers -who focus on creating efficiencies within the payables process, without first considering the impact on working capital. This Page 10 J.. .P.Vorgan important but subtle difference in philosophies makes certain that J.P. Morgan is unique in our ability to help the City of Round Rock optimize its payables environment and create mutually beneficial vendor payment relationships across the supply chain. With J.P. Morgan, the City of Round Rock will leverage our analysis, tools and technology to transform paper- intensive treasury functions and provide turnkey electronic payment solutions that will integrate to your current account structure and the cash management services that you currently use. These services will continue to electronify payments across the City: • Our Host to Host Payments solution offers a robust payables service that enables direct integration with the City's ERP system and J.P. Morgan's global payment capabilities. Host to Host Payments allows the City to consolidate with a single file instructions for initiating mixed payments of domestic and global wires, domestic ACH, domestic checks, Single Use Accounts and Corporate Quick Pay. This solution reduces the number of interface files the City has to develop and manage for a comprehensive payments program with J.P. Morgan. J.P. Morgan authenticates the file, validates the content and routes transactions over the appropriate settlement network. Host to Host Payments is based on the industry - standard, proven ISO 20022 file format. Each of these services is menu driven and the City may choose to implement any of the disbursement services ala carte: With unmatched control, built-in working capital features and the benefits of automation, J.P. Morgan's Single -Use Account (SUA) solution is the starting point of any payables optimization initiative. SUA delivers unmatched working capital benefits in the forms of revenue from rebates and cash flow from card float, and SUA helps to automate the disbursement and reconciliation of payments to vendors at the time of the order or upon invoice approval. ACH Disbursement: For vendors who choose not to accept SUA or card, the City can begin replacing one-time and recurring payments to vendors with ACH. Reduce your cost of goods by earning early payment discounts from vendors as part of a holistic terms management strategy. The more disbursements, the greater potential for cost reduction through the use of ACH. The City can realize the substantial cost savings by converting high volume repeat payments to ACH disbursements —like payroll, retirement benefits and suppliers' remittances. Page 11 Morgan Corporate Quick Pay is a new treasury service that allows the City to issue payment offers using only the email addresses of their constituents. Upon receipt of the payment offer, the constituent can accept the payment electronically to their U.S. bank account. If the offer is not accepted, the City can have the offer converted into a check disbursement, offering a comprehensive payment solution. There are a host of different payment applications that make Corporate Quick Pay a natural fit for the City, including jury payments, restitution payments, tax overpayments, and petty cash reimbursements for its staff. This new offering can help to transform existing payments made via check or cash into payments facilitated via an ACH payment, providing the City even greater payment disbursement efficiency by removing many back office and manual payment activities. For your remaining check disbursement needs, J.P. Morgan's check print solution can reduce costs and automate the remainder of your payments. There are built in redundancy and control features of the check print solution that offload many of the other challenges associated with maintaining this service in-house. Our clients benefit from our 20 years of printing experience and volume of printing 25 million checks per year. Our clients also benefit from our buying power for check stock, envelopes and postage, as we transfer these savings to them. • Our banking services are designed to seamlessly integrate with Government industry's leading enterprise financial systems and can scale and adapt to meet your future needs. Open Roads is an interface solution that will accept m any clients' proprietary file formats and major industry ERP file formats, and translate them to the bank's standard file format for processing through to various payment channels. In today's environment, transitioning to a new provider can be expensive and time consuming with the need to change file formats. We believe this approach will reduce the implementation efforts and enable easier transition. If City is interested in exploring this alternative approach, we welcome an in-depth discussion. Global Client Testing Center is a dedicated Host -to -Host client interface file testing center within J.P. Morgan. It provides a fully integrated, production equivalent end -to-end test environment enabling validation of client transactional and reporting workflow during the onboarding process. While all banks provide some client testing capability, not all banks offer end -to -end statement reporting that mirrors production and reflects the business as usual process and day in the life of a transaction. This capability allows clients to validate their business -critical flows and reduces risks of transition by providing early visibility into root causes of errors, allowing an opportunity to correct prior to the go -live date. All of our proposed disbursement solutions are in house, propriety solutions meaning that we do not outsource any aspect of the operations to a third party. In order to provide best in class operational quality and client data security, we believe we must deliver these Page 12 J*.,,Y­", services within our organization. It is important to us that we deliver a quality solution so that our clients' payments are made on time and accurately- to the correct payee, every time. Depository Solutions The trend towards electronic collection methods is a gradual one. Although there is no magic bullet that can convert an organization's remaining paper or cash based transactions, a combination of technology, services, and adoption of best practices can help accelerate this process. Our response to your cash and check receivables entails deploying a suite of options which provide the best operational efficiency to realize cost savings. Remote Deposit Capture For checks received in-house, we recommend that you use our Remote Deposit Capture (RDC) solution to scan and deposit checks quickly and efficiently via your desktop or mobile device. These scanning devices may be located in a central hub or distributed throughout your organization at each of the City's collection sites or even at the department level. We propose that the City considers shifting branch check deposit items to as this much more efficient and cost-effective electronic alternative. RDC will provide same -day ledger credit on items deposited by 9:oo p.m. CT for Check 21 and 6:oo p.m. CT for ACH, accelerating cash flow by one day for many campuses. To help with this initiative and as part of our overall offering, we will provide with up to too refurbished scanners at no additional cost. With the free setup of Unique Location IDs (ULID), the County can categorize deposits from your multiple depositors using this code to simplify your reconciliation of check deposits. Images are retained through RDC and also visible directly from our reporting solution, J.P. Morgan ACCESS Online (ACCESS Online). Cash Processing - Vault Services., Synart Safe and Hranch. Services J.P. Morgan proposes that wherever available the City locations contract with armored car to deliver your cash deposits to our vault in Austin. This will minimize additional local banking relationships, maintain strong cash controls and leverage a system wide armored car contract. To further help manage your courier fees, and the number of pick up, we suggest implementing smart safes. Smart Safe with advanced credit will provide the City with daily credit on cash that is deposited into a leased Smart Safe from Brinks, Garda or Loomis. Additionally, advanced credit allows you to reduce the armored services schedule with your vendor to further reduce costs. Our solution provides advance credit for deposits we'll collect electronically. Page 13 P Moroun t5 We recognize that there may be instances where small cash deposits may need to be deposited in a branch. We have 9 branches in the City of Round Rock. V-rtual.Re 14* jerence Numbers One of the most common challenges for our government clients is the correct identification and application of incoming electronic payments in an efficient, timely manner. Such payments may not contain clear or complete remitter information, and may be associated with important revenue sources. We offer the City a new solution to solve this payment processing challenge, Virtual Reference Numbers (VRNs). In this solution, J.P. Morgan will issue a range of VRN numbers to clients; clients will then assign a unique VRN to each of their repetitive electronic remitters and instruct each remitter to make all future ACH and Wire payments using the assigned VRN, rather than the institution's Concentration Account number. When a payment is received in this manner, J.P. Morgan will automatically apply the funds to the concentration account and pass the associated VRN to the institution via an electronic file. This will allow the institution to automatically post the exact dollar amount of the payment to the corresponding receivable account without the need for manual research or data entry. Reporting Web -Based Banking Systent. Central to the suite of services proposed for the City is ACCESS Online, a secure online application that will enable the City to empower your authorized users with real - time information and control of accounts, transactions and reporting. Our award winning electronic platform offers the City a simple, intuitive, web -based cash management solution delivering the capability to integrate various information delivery, investment and transaction services, as well as inquiry tools into a single online portal. J.P. Morgan combines strict controls and secure technology to safeguard data and transactions and will collaborate with you on industry best practices for risk management and data security. Value Add Suggestions The services below are proposed to augment and complement the requirements included in the RFP. Each of these services is incremental to the solutions presented in the body of our response. The following optional, value-added services and products are detailed below: • Single Use Accounts and Purchasing Card Growth • Pay Connexion • Corporate Quick Pay Page 14 J'o1'Moraan Ningle U-se AccouS and. PurchasingCard. GrovNlh S 4 uzgle Use c._ The J.P. Morgan Single -Use Account solution is an electronic, credit card -based payment method that can help the City more efficiently manage your payment process as well as help reduce costs and transform traditional areas of expense into potential revenue generators. Benefits of our solution include the following: • Replacement of less efficient payment methods, such as checks • The flexibility, float, and rebate of a purchasing card coupled with powerful payment control, anti -fraud, and reconciliation features • Increased payment processing efficiency through automation and integration, improving record accuracy and shortening reconciliation periods while providing security and `risibility throughout the payment cycle • Financial returns in the form of a rebate • An efficient way to hold on to cash longer while paying suppliers sooner As part of our single -use account solution, the City will have access to J.P. Morgan's industry -leading PaymentNet system, the engine that interfaces with MasterCard to create your accounts. You can also use PaymentNet for account and transaction management, advanced reporting, activity monitoring, statement access, reconciliation, and data integration tasks. Theo Single- Use Account Payment J.P. Morgan offers flexible single -use account setup options to meet our clients' virtual payment needs. Our batch option utilizes current ERP and general ledger systems to manage accounts payable -type expenses. Real-time (or "web service") single -use accounts integrate with clients' ERP systems and PaymentNet, allowing users to send requests and receive account numbers in real time via either the ERP system or PaymentNet. This option is best -suited for clients who need to integrate the single -use account payment process into their day-to-day operations. Our manual online option allows clients that do not fully integrate into ERP systems to instantly- access single -use account numbers within PaymentNet as needed. Clients with batch and real-time integration have the option of using the manual online option as well. Page 15 J.1? Moran Purchasing Card Progra In addition to Single Use Accounts, we would like the City to consider a further evaluation and potential expansion of your existing Purchasing Card Program. As you are aware, this program provides a tremendous value to the City by: • Driving down processing costs for ancillary purchases • Providing extended working capital for the City, utilizing extended payment terms • Providing hard dollar rebate to the City J.P. Morgan would like to perform a quantitative analysis of your current spend to determine other areas within the City that could be benefitting from this program. Pay Connexion Our e-payment solution, Pay Connexion, offers a comprehensive payment gateway, including a wide range of features. Our solution is designed to provide convenience to payers when they interact with the City by allowing them to make payments via the Internet, IVR, or via a live agent. Pay Connexion is a secure, multilingual (English -Spanish), highly available, fully -bank hosted, PCI-DSS compliant multi -channel electronic payment platform that supports credit and debit card, as well as ACH/e-check payment methods. Because Pay Connexion is feature rich and highly configurable, it can support the City's electronic payment needs now and as you evolve in the future. Pay Connexion is made available to the City as separate components or as a seamlessly integrated suite of services. Each component of our solution offers distinct value to the City as a standalone product; however, the City may find that the value of the full suite of our available services outweighs the sum of its parts. Pay Connexion With Pay Connexion, the City can offer its customers a broad array of convenient, easy - to -use payment options, and the functionality to manage their own accounts via a branded website and interactive voice response system. A variety of payment methods are accepted, including credit card debit card and eCheck/ACH. As the only third -party payment collection system available today that is completely owned and operated by a single -source provider, Pay Connexion incorporates industry best practices in payment processing and security with the expertise of one of the world's leading financial institutions. This provides the City with a single, proprietary point of accountability throughout the entire process. All activities are handled by J.P. Morgan and J.P. Morgan merchant services: iff I Page 16 orN-.Fan t5 • Product development, sales, implementation and support. • Processing of both credit/debit card and eCheck/ACH payments. ■ J.P. Morgan is one of the nation's leading merchant processors. ■ J.P. Morgan has provided ACH solutions to clients and has ranked consistently as a top originator of ACH transactions since the founding of the ACH network in 1972. • Application and data are hosted within two geographically dispersed J.P. Morgan data centers. Pad Connexion Highlights • Processes card and eCheck/ACH payments via a website, interactive voice response system and call center agents. • Supports single and scheduled payments through all payment channels, and recurring payments online. • Provides real-time authorization and batch settlement of credit and debit card transactions, and also can process eCheck payments as ACH debit transactions. • Via an administrative site, the City's authorized users can conduct research, inquiries reporting and payment activities. • Consolidated real-time and end -of -day remittance detail of processed transactions. • Annually, Pay Connexion clients process more than 20 million transactions valued at over $7o billion. Page 17 J,P*Morgan y P a Connexion Clients ::::::: ..,...::I Y C ,ants Choose Ambn,lt�Iuitlple,onfiur�ton Options ....::::::'::: Data 13111 Pceserime Data Element Parameters .... :. - k .:. ..:..:... ; :::.. ■ ill Notification Email Bill Oath 0h V or nth I mage Multip e or Sincie Bill Paperless PraferonCss-: Figure i Registration Options Prersgi ta lan (b client)............ (by payer) payrnents PayentChenne �UOTIMMIze.rice Pee Fuji c iriona 11 ty Pei entMe ods. Payment "diming Install Brit of an Au. to Remittance Data Rawl -Time Payment Confirmation or- s File Admi n Site Research€, reconciliation and reports J.P. Morgan also offers the flexibility of convenience fee functionality within Pay Connexion and can accommodate the use of convenience fees for MasterCard, VISA and Discover to the City. The convenience fees will be separated from the main payment transactions prior to deposit. The City will receive the full main payment amount. Convenience fees, including all merchant fees incurred from the credit card companies will be charged directly to the payers using the payment application. &,-IV u car �r$Quick ty J.P. Morgan has introduced Corporate Quick Pay, a new mobile and web -based payment solution that allows your consumers to accept payments via email for jury pay. This innovative solution not only makes accepting payments easier for your consumers, but it is more efficient for the City as well. The Corporate Quick Pay solution: • Makes Migration to Electronic Easy: Corporate Quick Pay overcomes consumer account and remittance data constraints the City may face when the migration from check to electronic forms of payment takes place. • Delivers Economic Value: the City can reduce the total cost of payments by settling via Automated Clearing House (ACH). You simply supply J.P. Morgan with the consumer's email address, payment amount, name and desired remittance data on Quick Pay Central via online entry, file upload or 4¢4 18 cral^ *Pi� M direct transmission. Corporate Quick Pay then generates an email for the consumer to accept the payment for deposit into their personal bank account. Enrollment is easy. Your consumer creates a profile on Chase Payments that will be used to accept future payments from the City or any other payer using Corporate Quick Pay into that consumer's personal bank account. This provides a better and quicker experience for your consumers, allowing them to accept a payment without having to provide bank account information each time. In addition to sending an email notification to your consumer to accept a payment, J.P. Morgan has enhanced our Corporate Quick Pay solution with text messaging this year. In conclusion, our proposal is the result of a careful and thoughtful review of the objectives set forth in City of Round Rock's RFP for Banking Services. We are confident that our product capabilities, personal service and Government expertise are unmatched by our peers and positions J.P. Morgan to provide you with the greatest value. Page 19 J.P.Morobun The following services must be provided as described` r be provided in an alternative form that results in essentially the same outcome or capability. The City can continue to count on J.P. Morgan ACCESS Online, our Internet - based cash management system for all of your online banking service needs. Morgan Your authorized users will have the ability to Ranked # 1 cash management portal, manage all your cash management needs, including balance reporting, initiation of ACH debits and credits and wire transfers, and placement of stop payments on checks and more. ACCESS Online, offers the City a highly intuitive and easy to use, cash management solution that seamlessly integrates all treasury activities through a secure portal using a single authentication process. ACCESS Online puts critical cash management information and tools at your fingertips, and the unparalleled experience of J.P. Morgan at your service. • Reports: Balance and transaction information, cash concentration, disbursement, funds transfer and liquidity. • Payments: ACH, Wires and book transfers. • Checks: Place or revoke a stop payment • Statements: A central repository for bank, billing and liquidity statements. Statements can be exported to a Microsoft Excel spreadsheet. Pa9e2o rgan • Administration: A powerful and innovative entitlement engine that saves time, increases productivity and controls everything users can see and do. More Services: A single point of entry to a wide range of additional treasury management services including eServe from which you can initiate inquiries and amend, cancel, or reverse payments. Balance Reporting Whether your cash is in one or multiple accounts, located with J.P. Morgan or other financial institutions, ACCESS Online puts critical cash management information and tools at your fingertips. The City can count on ACCESS Online for all your balance and reporting needs. ACCESS Online cash reporting tool provides you the ability to access previous day information with current day information being available at no additional cost. Your authorized users will have access to useful information, 24 hours a day seven days a week that can aid in planning funding and investment strategies including: top -line balance and transaction summaries, detail transaction records and historical reports for up to two years. User entitlements can be managed to control access to accounts and reports. Pa9eZ1 J.P.Moroun R . .:t:::i:��..:: FicT re 2 1. Customized Formats — list of customized reports that have been created by the user 2. Master Formats — list of report templates available to the user (based on entitlements) to run with default settings and use as a foundation to create a multitude of customized reports that can be scheduled to run automatically on a recurring basis and/or shared with other users 3. Reports Inbox a container for generated reports, where ad hoc reports remain for 24 hours and scheduled reports remain for 14 days Several master reports form the foundation of ACCESS Online centralized reporting capability allowing your authorized users to create, customize and run up-to-the-minute reports on your accounts tailored to your specific needs. Reports include: • Balance and Transactions Report • EDI Report • Returns and Exceptions Report • Payment and Template Report • Wire Detail Report • Checks Paid Report A variety of filters can be employed to pinpoint desired transactions for enhanced data management. An export feature offers a variety of formats to facilitate data integration with your accounting and decision support platform. An additional Pace 22 J.P. Morgan benefit, the City's users can schedule reports with the frequency and format desired by each user and shared with other users. ACCESS Online offers 45 calendar days of account balance and transaction data. Upon request, for report retention, the system can store go calendar days, one or two years of data. With ACCESS Online you can view, print and/or export information on a daily or a specified date range of activity, including wire transfers, ACH payments, drafts, checks and statements. The export feature offers a variety of formats to facilitate data integration with your accounting and decision support platforms. Balance and transaction information is available in the following formats: • BAI2 • Comma -separated Values (CSV) • Adobe Reader (PDF) formatted reports The City can also export data from ACCESS Online to Microsoft Excel and other software packages. ACH and Wire Transfers ACCESS Online saves you time by providing a standardized workflow across all payment types. ACCESS Online allows your authorized users to initiate and manage ACH, wire and account/book transfers from the same screen, in the same way. Following single sign -on with just a few clicks, your authorized users can make payments, create templates, view account balances and customize pages. • Streamline the workflow — Manage all payment transactions from one screen • Make recurring payments — Manage recurring payments using customizable templates • View balances while making payments — Critical information is at your fingertips • Rely on award -winning security — Award -winning security protocols designed to safeguard transactions and information ACCESS Online has been designed, based on customer feedback, so that all capabilities are in sync with the daily activities of treasury managers. All payment Page 23 J'Oyo Morbcran Fig rc 3 methods, i.e., wire, book transfer, account transfer and ACH, are accessible from a single -page in a uniform, easy -to -follow work stream. 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L ZSnIi 212.5...� usr ACH J.P. Morgan recommends that the City uses ACCESS Online for lower volume and manual entry of ACH payments. In addition to initiating payroll, this service also facilitates disbursements and concentration. Page 24 J.�? gall igurc 4 Tenwhites ACCESS Online uses a common set of intuitive templates for every payment method. For example, the City can easily create beneficiary templates with lockable and editable fields to set up recurring payments. There are many ways to customize the system. ACCESS Online can be configured with flexible sorting and filtering options to display only the features you use —in the order you prefer. Alerts Define, manage and view messages from anywhere in the ACCESS Online portal. Choose to be alerted to transactions pending approval or see templates that have been modified. Receive alerts either via email or the Alerts inbox—or -both. Page 25 PMorgan -1 ..(_',HLj t. The City can create templates to support a complete menu of U.S. ACH transactions, with all template information stored securely with J.P. Morgan: • Consumer payments 0 Cash concentration • Consumer collections 0 Cash disbursement • Payroll payments 0 Federal, state and municipal tax payments • Corporate/vendor payments 0 Child support payments • Corporate/vendor collections 0 Fund other J.P. Morgan accounts on a same day basis Transactions based on templates or entered in free -form mode are created by the City, then batched, approved and released for processing. ACH files generated through ACCESS Online are retrieved and processed several times each business day for next -day processing. For non -repetitive payment, the City can create free- form ACH payments without the need to establish a stored template. ACH files generated through ACCESS Online are delivered for processing nine times each business day, Monday through Friday. ACH N AC HA'FY e Import This automated interface for easy upload of NACHA-formatted files offers the City • Future -dated warehousing of up to 6o calendar days. • Ability to create settlement offset at transaction level or batch level. • Next -Day Settlement option for transfers to/from J.P. Morgan accounts. • Option to create addendum record for all payments. ,7es ACCESS Online offers a complete range of funds transfer services providing the City with the ability to initiate wire transfers using a variety of payment options. Strict control over user access to functions and accounts facilitates compliance with internal audit requirements, while enhancing security. Accounts can be held with J.P. Morgan worldwide or other financial institutions. Page 26 Jjr,,Moro"aan Ficy u r ..................................................................... . y ACCESS Online wire transfer service supports U.S. dollar and multicurrency payments, using both predefined (repetitive) templates and free -form formats. Your authorized users will have the ability to create their own filters or templates with locked fields for added security. The City will also have the ability to receive alerts via email and/or the Alerts inbox. • User entitlements are established by the City. Users may be authorized to add, modify, delete, approve and/or release wire transactions, as well add, modify, delete, approve and activate predefined templates. • A J.P. Morgan client confirmation number is provided immediately upon release to the funds transfer processing platform. • Confirmation codes are accessible using cash reporting features. • Wires (Fedwire and Chips), book transfers, checks, account transfers, U.S. draw -down transaction initiations are supported. • Future -date capability supporting 365 calendar days for same -currency wires initiated from U.S. accounts. • Multi -bank payments wherein you can initiate wires from non- J.P. Morgan accounts. Stop Ilk's' To streamline the stop payment process, the City can place stop payments via Online ACCESS either directly from the "Stops" tab or more efficiently by using the "Inquiry" tab, where check numbers are validated against the issued items. Additionally, stops can be sent via file transmission. When placing stops via Figure ACCESS Online, the system will search go days transaction history to identify if the check has been paid (extended retention periods are available) . If J.P. Morgan's records show the check has been paid, the system will report the date the item was paid. Once the stop payment is submitted, the City will receive online confirmation of the successful stop request. This can be printed or downloaded as needed. Furthermore, stop payment activity reports are available through ACCESS Online. For same -day action, stop payment requests -via ACCESS Online must be received by 6:30 p.m. CT. Stop payment requests remain in effect for one year and are renewable for an additional six years. Online Images The City can receive images of all on -us transactions (paid checks, deposit slips, ad'vices/adjustments through ACCESS Online. Check images, account bank statements and ARP reports are stored for seven years. While we do offer CD-ROM for check and deposit slip imaging, it is no longer a standard offering. We recommend the City use our online imaging via ACCESS Online for your checks and deposit slip imaging needs. With ACCESS Online you will have access to online imaging inquiry history for seven years for checks. This service includes an advanced upfront check search Page 28 J.Y.Morgan i1xUlle " functionality that provides the City with the complete status of each check. The City can perform single and range -based searches by account number, check number and amount, sequence number, paid and issue dates and payee name. The results tell you whether the check is still outstanding, has an active or revoked stop, is canceled (voided), was returned or has paid. ................ .............. . ................... ................ :.� {� QMI.r Tn Additionally, batches of images can be requested in an offline request mode for more efficient origination of larger numbers of requests. ACCESS Online is more efficient than paper or CD-ROM, especially when retrieving information quickly. Check images are available the same day checks are presented. This browser -based solution enables the City to retrieve check images for all applicable accounts. Statements The City will receive bank account statements for each account. These reports provide a summary of credit, debit and paid check activity for the statement period and balances at the start and end of the period. The statement also provides a detailed chronological listing of all credit and debit transactions. For each transaction, the entry provides the ledger and value dates, the dollar value of the transaction and detailed transaction description. The statement also provides closing ledger balances. Bank statements are available electronically via online delivery or transmission. Page 24 J.I?iti2oraan J.P. Morgan's bank statements are available via secure Internet delivery with ACCESS Online. This provides the City with comprehensive reporting in a timely and efficient manner. Our electronic bank statements are identical to the paper statements mailed to clients and are available within two to three business days after the statement cutoff date. The bank statements include all transactions posted to the account including all checks paid by check number with paid amount. Online bank statements also include images of checks paid during the statement cycle. Correction entries made by the bank will be included on the statement, as well. J.P. Morgan's online bank statements provide the City with the following benefits: • Security measures include machine registration and the convenience of using a single sign -on to retrieve statements and perform entitlement via ACCESS Online. • Email alerts are sent to notify authorized the City users when the account bank statements are available for download. • The City will be able to print and view a statement as it would be presented in its original paper form. • The City can search for transactions by opening the statement, as well as clicking on the image icon next to the statement name to see an image of the front and back of the cancelled check. • The City can save and print the statement in PDF format, as well as export data to a Microsoft Excel spreadsheet or in CSV format. The Excel and CSV formats are available 24 hours before the PDF. ACCESS Mobiole Our mobile service enables clients to log on toBanking Apps -for Business ACCESS Online on the move. The City's authorized users can use our app on a smartphone or tablet (Apple iOS 7.0 or later, Android 4.4 or later). It provides a range of services, including access to cash reporting balances and transactions in all currencies, including U.S. and international multibank. Make pay or return decisions on check exceptions, deposit U.S. denominated checks, drawn on a U.S. bank, and upload documents at the point of receipt as allowed by your ACCESS Online entitlements. Page 30 J*,,F­'.Morgan Approval and release for wire payments created on ACCESS Online is available and we provide voice and swipe password authentication for wire payment release, so you no longer have to carry an RSA SecurID token. C:Y$ SCR Ra:la»xet `J .......................................................................... ACCOt�2YySCb3` Y."�`. 'k Figure 8 .:. .::..... ..:......: ........ ....... t�rt�fr...dYi3s3t'� � �4� ice: >'tvzs J.P. Morgan's controlled disbursement services will continue to help the City gain control over idle balances and optimize loan and investment opportunities. With early morning reporting and the knowledge of exact disbursement funding requirements, the City can maximize your working liquidity by taking advantage of intra-day investments or paying down debt early in the day. How It Works Each morning, we receive inputs to the controlled disbursement system. These inputs include files from the Federal Reserve and other previously established bank trading partners. The early -morning controlled disbursement funding calculation includes totals from these files, as well as any prior -day account balance information and ACH transactions. We provide two notifications — an interim notification at 7:3o a.m. CT (first presentment) and a final notification at lo:oo a.m. CT (final presentment). Once final presentment is reported, J.P. Morgan will automatically transfer the funds from the linked bank account to your controlled disbursement account (CDA) to cover the total amount reported and maintain a daily zero balance. We also allow the City to initiate wires and same -day ACH activity from your Page 3= J.I'. Vlargan controlled disbursement account. In such instances, our "late -day" funding feature automatically funds those transactions for you at the end of each day, making sure the account balance remains at zero. The primary advantage of using a CDA is the prompt notification of your daily funding requirements. With the advent of Image Exchange and our advanced technology capabilities, J.P. Morgan now reports 99.9% of our clients' total funding requirement by 8:4o a.m. CT, which accelerates your ability to make investment decisions earlier in the morning. Our national CDA endpoints can each be funded by an account anywhere within J.P. Morgan. J.P. Morgan can continue to provide and support your account structure. We will work with you to provide the most efficient and cost-effective account structure. J.P. Morgan offers fully automated zero balanced sweeping between accounts. Accounts can be set to concentrate at either a zero or target balance level. Concentration can be set up with primary options. Zero Balance/Target Balance: Accounts maintain a relationship -managed balance on a daily basis, with fully automated transfers to bring the accounts to a zero balance end of day. Target balance transfers are supported in the same manner as well. • Customized Transfers: Options include one-way transfers, intraday concentration and time driven -scheduled transfers as well as fixed and variable balance calculations. Through J.P. Morgan's ability to provide a completely automated end of day concentration process late -posted items are included in the zero balance or target balance transfer. Employee presentments made at the teller will be honored. The bank executes transaction activity, such as teller transactions, based on the current funds availability across all accounts in the concentration account structure at the time of the transaction. Pale 32 ._ 4. POSITIVE `V PAY ANDACCOUNT RECONCILIATION SERVICE - The City requires positive Pay and account reconciliation services on de i, ated accounts from which cheeks are issued. The City electronically transmits the issued check files to the bank. Positive Pay files must be transmitted electronically. Minimum payment verification criteria shall be payee name, date, check number, and amount. The City may approve and make Pe pay decisions on any exception items. "es, can provide as requested1required. No, cannot provide as requested1required. Comment.- J.P. Morgan will continue to provide positive pay and full reconciliation services for the City's designated accounts. Positive Pav With positive pay, the City provides the bank with a positive pay issue file containing check amounts and serial numbers. Issue data can be simply and flexibly supplied to the bank via file transmission, online upload, or manually keyed into ACCESS Online. Daily checks presented are then systematically compared against the City's positive pay check issue file. An exception report is generated the next business day, identifying any mismatched or no -issue information on file items. The deadline for the City to transmit check issuance files via direct transmission to the bank is 9:45 p.m. CT. The deadline for the City to submit manual entry or file upload via ACCESS Online is 9:30 p.m. CT. Additionally, ACCESS Online will enable the City to use the Internet to review digital images of all exception items, and instruct J.P. Morgan to pay or return each item from a single page. Payee name exceptions are conveniently delivered along with all other types of exceptions, so the City can easily employ the most up-to-date fraud protection services. Email notification offers a convenient way to know when exceptions are available for review. For the City's convenience, images of exception items are also available via mobile devices using ACCESS Mobile. J.P. Morgan first reviews and scrubs the exceptions to verify that there are no misencoded items. A notification is emailed based on the customer defined email groups at the beginning of the following business day. Authorized the City users are provided the report of exceptions upon log on for pay/return decisioning. The exception items report provides both a front and back image of each item. Authorized the City users simply click on the check number of each item to view - front and back check images. They can select the pay or return button for each item, or select the pay all or return all button, and then electronically submit the decisions to the bank. The City receives an online confirmation indicating the submission was successful. The confirmation can be saved electronically or printed for future reference. No special software is needed for this functionality. Page 33 J.-re Moroun Figure �) To prevent check fraud, the City can view images of positive pay exception checks before authorizing payment. ...................................................................................................................................................................................................: .rayee Nanter J.P. Morgan's positive pay payee verification provides an additional layer of fraud prevention protection. For payee verification, the City provides the bank with payee names in your check issue file transmission, file upload, or manual entry. While positive pay matches the MICR information of your presented check to the issue file, payee verification takes the additional step of validating that the payee name matches issue file payee information. Our payee name review digitally interrogates the payee name and also looks for alterations or additions above, below, or to the right of the payee name that would change the payee identification. Mismatched items are visually evaluated to eliminate digital interrogation reading errors and then are sent to the City in the daily positive pay exception reporting for your decisioning. Page 34 J'ol?M0�r�an .rayee Nanter J.P. Morgan's positive pay payee verification provides an additional layer of fraud prevention protection. For payee verification, the City provides the bank with payee names in your check issue file transmission, file upload, or manual entry. While positive pay matches the MICR information of your presented check to the issue file, payee verification takes the additional step of validating that the payee name matches issue file payee information. Our payee name review digitally interrogates the payee name and also looks for alterations or additions above, below, or to the right of the payee name that would change the payee identification. Mismatched items are visually evaluated to eliminate digital interrogation reading errors and then are sent to the City in the daily positive pay exception reporting for your decisioning. Page 34 J'ol?M0�r�an Figure io :18 A'y _ °a T H! Aw W. CYRDER OF Teller Line Positive Pray .......... .......::....: :.. ..::::.. U 1 J. Teller Line positive pay is the strongest defense available to prevent check fraud. Within one hour of receipt of the City's issue file, we will update our teller line systems. When a check is presented for payment at a Chase teller window, the teller system determines the validity of the check issue prior to payment. Items not found as matching open entries on the issue file will be denied encashment. Checks deposited at a Chase ATM are screened against the positive pay records. Checks not matching your issue records will have a fund availability hold placed against the check amount allowing for your positive pay exception review and a pay or return decision before the check amount is available to the depositor. lildl.Accounti . Our account reconciliation services solution will continue to simplify and automate the City 's reconciliation and reporting process to save you the expense and time associated with the manual balancing of your bank statements. We offer a broad range of account reconcilement services — from robust reports with detailed information on all checks issued and posted to a simple listing of paid checks — that gives you fast access to account information and help protect the City from fraud. Full reconciliation will continue to provide the City with a complete reconciliation of outstanding and paid checks, with the option of reconciling accounts by the week, month, fiscal or calendar year in a format tailored to meet your needs. You Page 35 Moruanl Figure 11 provide us with detailed check issue data, including account numbers, check numbers, issue dates, dollar amounts and reference information (up to 15 bytes) . With check issued data, J.P. Morgan will perform a full reconciliation of activity in the account, delivering a reconciliation report package online via ACCESS Online or on CD-ROM. The standard full reconciliation package includes an account statement, balance sheet, paid and outstanding check listing, plus a summary including check number, issue date, amount paid and paid date. - The City requires robust ACH system with the capability to create ACH credits for direct deposit of payroll and vendor payments,, and to direct debit customer accounts for AIR and utility billing charges. Z Yes, can provide as requested1required. El No, cannot provide as requestedlre quires`. Comore, .. J.P. Morgan will continue to provide the City with the capability to create ACH credits for direct deposit of payroll and vendor payments, and to direct debit customer accounts for A/Rand utility billing charges. Based on the City's operational requirements, J.P. Morgan recommends: • ACCESS Online for lower volume transaction files. ACCESS Online is a fully integrated, browser -based platform that provides easy -to -use applications for all of your information, compliance and portfolio management needs. Page 36 J'.P.MU----rgan The secure file transfer protocol (SFTP) transmission method for large batch origination. Direct Deposit of Payroll The City's employees can receive automatic electronic payroll payments to a designated checking or savings accounts using J.P. Morgan Is ACH system. One or two days in advance of the designated payday, the City will send the bank a file containing the total amount to be paid electronically to your employees' designated accounts. The offsetting amount will be charged to your designated account at J.P. Morgan on the day -of -settlement (payday). Vendor and Direct Debits The City can make vendor payments and create direct debits to customer accounts for A/Rand utility payments using ACCESS Online and direct transmission. J.P. Morgan recommends that the City uses ACCESS Online for lower volume and manual entry of ACH payments. In addition to initiating payroll, this service also facilitates disbursements and collection. For large volume transactions the City can use any one of industry standard NACHA file formats (e.g., ARC, CCD or PPD), the City sends the file to J.P. Morgan through a common protocol, such as secure file transfer protocol (SFTP). Page 37 J",,"*v. Morgan . ACH DEBIT BLOCKING - The City requires ACH debit blocking capabilities on its accounts, with the ability to selectively permit specified ACH debits on certain accounts and restrict all ACH debits from certain accounts., Yes, can provide as requested1required., El No, cannot provide as ee.edlreire. Comment. - To protect the City Is demand deposit accounts (DDAs) from unauthorized ACH transaction, J.P. Morgan will continue to provide ACH debit blocking capabilities on its accounts, with the ability to selectively permit specified ACH debits on certain accounts and restrict all ACH debits from certain accounts. ACH debit blocking enables the City to specify which companies are authorized to post ACH debits to the City accounts, blocking those that are not authorized. The City can also set dollar limit ceilings, or block all debits from posting. With our daily ACH Debit Block Transaction report, the City receives a listing of all transactions that are blocked. Data is transmitted via Voltage SecureMail to indicate blocked transactions, or an optional email indicating that no transactions are blocked. .7. ELECTRONIC DATA INTERCHANGE - The City requires Electronic Data Interchange ". "'service capability with the ability of obtaining monthly reports and transacting vendor, me s. Yes, can provide. [I No,, cannot provide. Comment.-, ACCESS Host -to -Host Reporting delivers consolidated reporting of remittance data for ACH and wire receipts posted to J.P. Morgan demand deposit accounts (DDA). Data is presented in standard formats and is sent via a variety of standard communications connections. Host -to -Host Reporting transaction reports include details that may not be supplied through standard bank reporting tools. The City has the option to choose to receive the remittance data through a variety of formats and transmission interfaces as follows: • EDI ANSI X12 file formats (82o and 823) 0 SWIFT IS020022 (camt 52 and camt 53, CGI Version 2) Page 38 J . ,,P,,Moroan WIRE TRANSFERS - The online banking system must provide for initiating wire transfers as a normal course of business. Wires may be one time wires or be set up as repetitive wires of varying amounts. Z Yes, can provide as requestedIre quire d. No, cannot provide as requestedl required. Comment. - ACCESS Online offers a complete range of funds transfer services supporting both predefined (repetitive) templates and free -form formats. 9. REMOTE DEPOSIT CAPTURE - The City is currently utilizing and requires direct deposit capture services. The City owns one (1) Canon Image Formula CR1 90i scanner used to process checks received. E Yes, can provide as requested1required. [:1 No,, cannot provide as requestedIre quired. Comment. - The City can continue to utilize image cash letter (ICL) for your direct deposit capture services. By utilizing ICL the City is clearing checks through the most efficient method. Our image cash letter solution allows the City to image all of your paper items and transmit them to us electronically for clearing. As part of this process, our solution reviews your check images and accompanying data to determine the optimum clearing method: 0 Automated clearing house (ACH) 0 Image exchange, or substitute check processes In addition, as we process a significant number of transactions as on -us items, we can process yours the same way to help you keep clearing costs down. The illustration on the following page provides an overview of the image cash letter process flow. Page 39 J.I?Mor�an Figure 1.2 The City will continue to benefit from: • Image -Enabled Routing Transit Numbers: J.P. Morgan currently sends to more than 22,000 routing transit numbers. The bank updates routing transit numbers on a quarterly basis. • Competitive Availability Schedule: We base availability by the bank on which the deposited check is drawn and the time the deposit is made. • Electronic Notification of ICL Transmission: the City will receive an electronic notification for each ICL file it transmits to the bank, whether successfully or unsuccessfully. We send notification, including the number of items and dollar totals, to designated recipients via email or XML transmission. • Advanced Image Quality Analysis Processes: We use a two -pass process to identify suspect items. The process determines whether items are acceptable for presentment to the paying bank or are nonconforming images (NCIs). Page 40 J_V__%. Morgan Image Quality Processing: This helps reduce adjustments, potential privacy violations and fraud. Quality checks verify that ICL-deposited items are correctly debited and credited to the proper account(s), for the precise value(s). Codeline Match Quality Processes: We use, and were one of the first providers to implement, a process to verify that check data associated with an image matches correctly to the item. ■ This greatly reduces errors by having the item properly routed to the correct paying bank and debited to the relevant account. It also reduces the risk for downstream adjustments and potential privacy violations if a consumer's check is inserted into another customer's account statement. Duplicate File Detection: Our transmission management process includes duplicate file review against the database for the previous 45 days of transmission activity. To guard against duplication, the bank reviews file headers for volume, value, composition date and time, and sender details. Files also will not be processed if the header and/or detail records indicate zero dollar value. We provide timely email and telephone notifications to minimize service disruptions. Enhanced Landing Zone: We assign the City's deposits float and pricing based on the time the file is received and acknowledged, not at another point later in the process. 10. CONSUMER BILL PAY PROCESSING - The City requires this service (sometimes referred to - r receipts of utility and ether payments generated e `ropersonal customer bank bill pay ,programs. On a daily basis, the remittance data and payment amount captured during processing must e transmitted to the City for the update of the accounts receivable file. Yes, can provide as requested1required, [] No,. cannot provide as requestedl req uired. Comment. - The City will continue to receive consumer bill payments using ACH eLockbox. ACH eLockbox streamlines the City's receivables posting process by consolidating electronic payments received from multiple sources into a single deposit. On payment receipt, we generally credit your account promptly the morning of the next business day after receipt of payments. Our Transaction Repair service streamlines the exception process by allowing you to review and repair exception items online for faster posting to your back -office system. We provide you with a single accounts receivable file and upload this data into your back -office system to help you save time, improve productivity and reduce costs. Page 41 I ­_%��1or�an 1.POST NO CHECKS - The City requires the fraud protection feature or service that prevents checks being presented for payment to be posted to the accounts from which checks are not issued. Z Yes, can provide as requested1required. [:1 No, cannot provide as requestedl required. Comment.- Page 42J.1'.M{organ Wire Transfers Wire transfers are credited and available in near real time throughout the day. The cutoff time for incoming credits is the close of Fedwire, which is 5:00 P.m. CT. ACH The City will receive availability (memo post) for ACH collection on opening of the business day on the settlement date. A hard post of the funds will occur at the end of the business day. Any same -day originations will be settled at the end of the business day. ............................................... . ................................. . ................. . ........... . ............. .................... . ................................. . . . ............... ..................................................... . ......... . ..... . .......................................................................................... . . ... ................................. Please see Appendix 1 for our availability schedules. 13. EMPLOYEE CHECK CASHING - The City requires the bank to cash checks issued to employees (with proper identification) without service charges or fees to the employee or the City, and without requiring the employee to open an account with the bank. E Yes, can provide as requested1required. El No,,, cannot provide as requested1required. Comment.- J.P. Morgan will continue to offer the City free check cashing for items drawn on your J.P. Morgan account. 14. RETURNED CHECK REPROCESSING - The City requires deposited checks to be processed for collection at least twice before making non -paid checks available to the City. The City prefers to receive rejected items electronically. The City requires same day notification of all returned items in excess of $5f 000. 00" Z Yes, can provide as requestedire quired. D No, cannot provide as requested1require d. Comment: J.P. Morgan automatically redeposits return items if they have been returned for a reason that is eligible for redeposit, such as non -sufficient funds (NSF). Return items can be redeposited one time. The City can receive a call from J.P. Morgan for all returned items in excess of $5,000-00. 9 S9 Page 43 Jr. -1 n J'"" Morcycelt :n . ACCOUNT ANALYSIS - The City requires account analysis statements by individual account and at group level, reflecting average ledger balance, average uncollected fangs, average collected bai c g reserve requirement, average available ei e,, rate and amount of earnings credit, detail of .services provided with quantities and unit fees for each, and total service cost, delivered to the City on a monthly s . This requirement applies to "No Fee" or "'Fee Waiverft applications. Z Yes, can provide as requested1required. El No, cannot provide as requested1required. Comment. - The City will receive an account analysis statement each month identifying all services provided, product volumes and the resulting service charge incurred. The statement captures a monthly summary of your balances and service charges. Analysis statements are provided for each account and on a group summary basis. You can retrieve electronic account analysis statements via ACCESS Online on the sixth business day after month end and up to 13 months of statements are available. All sections of your account analysis statement may be viewed, printed, and exported through ACCESS Online. Analysis statements will be available in PDF, Excel and CSV formats. The City can group specific accounts and billing relationships together for online analysis purposes, and create user profiles giving access to specific accounts or billing relationships as required. The City will benefit from online access with: • Faster delivery: The PDF version is available on the sixth business day • Robust encryption technology: Allows you to export billing statement data into Excel format or text (CSV) for further analysis purposes. • Grouping of multiple billing accounts: Allows you to group specific accounts and billing relationships together for online analysis purposes. • Control over user administration: Security administration allows you to create user profiles giving access to specific accounts or billing relationships as required. It also allows you to reset user passwords. Page 44 j .. Y.Morgan The City will receive monthly account bank statements for each account from the bank. J.P. Morgan account bank statements are available via secure Internet delivery with ACCESS Online, thereby providing the City with comprehensive reporting in the most timely and efficient manner. Our electronic account bank statements are identical to the paper statements mailed to clients and are available within two to three business days after the statement cutoff date. Paper statements are mailed to clients within three business days after the statement cutoff date. The account bank statements provide a summary of credit, debit and paid check activity for the statement period, and balances at the start and end of the period. They also provide a detailed chronological listing of all credit and debit transactions. For each transaction, the entry provides the ledger and value dates, the dollar value of the transaction, and detailed transaction description. It will also provide closing ledger balances. The account bank statements include all transactions posted to the account including all checks paid by check number with paid amount. Electronic account bank statements also include images of checks paid during the statement cycle. Correction entries made by the bank will be included on the statement as well. The City will receive the following benefits with our electronic bank statements: • Security measures include machine registration and the convenience of using a single sign -on to retrieve statements and perform entitlement via ACCESS Online. • Email alerts are sent to notify authorized City users when the account bank statements are available for download. • Your authorized users will be able to print and view a statement as it would be presented in its original paper form. • You can search for transactions by opening the statement as well as clicking on the image icon next to the statement name to see an image of the front and back of the cancelled check. is A Page 45 J','y"'.Moruan b ' • In addition, you can save and print the statement in PDF format as well as export data to a Microsoft Excel spreadsheet or in CSV format. The Excel and CSV formats are available 24 hours before the PDF. Check. and Deposit Slip Imaging The City will receive images of all on -us transactions (paid checks, deposit slips, advices/adjustments) and ARP reports through ACCESS Online. Check images, account bank statements and ARP reports are stored for seven years. We recommend the City use our online imaging via ACCESS Online for your checks and deposit slip imaging needs. This service includes an advanced upfront check search functionality that provides the City with the complete status of each check. The City can perform single and range -based searches by account number, check number and amount, sequence number, paid and issue dates and payee name. The results tell you whether the check is still outstanding, has an active or revoked stop, is canceled (voided), was returned or has paid. .:., , :.:..: .:...:.:....: .: ..........,...................:........ .,..,-: ,.,..-,.. >YC6ty. .WAY ....................................................................... ..................+.....:..::::::...................................................................................................:.......................................................................................... :.........::::::: ................. .v..:....-:i}:.:....:::::::-. \.. xN a' a: }: n :: •.•.:.'..:.'..:iJi?:vv'.: -. --v• .............. :. .:: .................. :. CC:}\ \ ::i mlo . ............ q- Pq .. . T: 000 Figure 13 Accounts with no external monetary activity for 24 months become inactive. Accounts become dormant after 30 months of inactivity. J.P. Morgan is willing to work with the City to build a process that will help make sure an account does not go dormant. Page 46 "'r. Morgan , . PAYMENT FOR SERVICES - The City expects to pay for all services provided by the earnings credit amount generated by account balances, or by direct payment, r a combination of both. Z Yes, can ,provide as request Ire it ., 0 No, cannot provide a eeteeir. Comment. - The City can pay for services provided by the bank with balance compensation (earnings credit allowance) and/or fee compensation. • Balance Compensation: To offset service charges, the City may choose to leave balances in your accounts and receive an earnings credit allowance. Fee Compensation: If the City chooses a fee compensation plan, you would manage your accounts to minimize collected balances and would not use balances to offset any service charges. Total service charges are debited from designated accounts, generally monthly. If the average available balances are sufficient, the earnings credit allowance offsets the service charge. Should the level of balances not fully cover the fees, any remaining service charges are debited from designated accounts on a monthly basis. MCv `4ei6'R ACCOUNT SETTLEMENT Settlement of the excessIdeficient condition a reflected by the group level account analysis is required to occur on a quarterly basis. If deficient,, settlement must be made by direct debit to the City's p ra ti Account. Yes, can provide as requested1required. E No, cannot provide a requested1required. Comment.- J.P. Morgan can provide account settlement on either a monthly or quarterly basis. 19. RESEARCH - The City requires that all research requests are responded t within three business days of the request. IN Yes can provide as requested1required. E No, cannot provide a requested1required. Comment: The City's research requests are acknowledged within two hours of receipt. The bank has established turnaround times for research and adjustment items. Our goal is to resolve 95 % of research and adjustment items between 24 and 48 hours; however, certain requests may take longer. Maria Arreola, the City's assigned dedicated client service professional (CSP), will provide you with cross product support. She will be your primary point of contact for all of your day-to-day questions and inquires as well as your research requests. Page 47 "Morcyan J', r. b, . BANK ERRORS - Bank errors resultinq in lest interest the City must be reimbursed the bank to the City, utilizing a mutually agree' upon method of reimbursement,, Z Yes,, can provide e re es e 1re ire . [I No, cannot provide as requestedl Comment.. - Should the bank cause an error resulting in lost interest to the City, we will work with you to rectify the problem utilizing a mutually agreed upon method of reimbursement. WEEPIIN VESTMENT ACCOUNT - Applicants must provide a descriptionof the a " ,hest "hard dollar" interest earning option. If e sweep option i proposed, applicant must confirm its compliance with Local Government Cede Chapter 2256, the "Public Funds Investment Act"' "° "), and the City's InvestmentPokey. Z Yes,. can provide. em e, cannot provide. Comment. - During this low rate option, J.P. Morgan recommends utilizing the ECR to offset banking services. Any excess funds can be placed in our J.P. Morgan High Yield Savings Account via transfer from ACCESS Online which will be fully collateralized. We have provided information on other accounts that the City may consider. Investment Sweeps As a leading liquidity solutions provider, J.P. Morgan offers an extensive array of automated intraday and end -of -day investment sweeps to help clients efficiently invest account balances, maintain full intraday liquidity and meet investment guidelines. Investment sweep services afford competitive returns while simultaneously providing fluid integration with the City's operating accounts. Innovation. We continuously strive to maintain our position as a global leader in cash and liquidity management. In the past year few years, the bank invested $1o6 million in its global liquidity platform to deliver a broader selection of capabilities, more reliable service, and a consistent client experience around the world. • Convenience. J.P. Morgan's automated investment sweeps can provide convenience and greater investment efficiency. Funds are automatically invested directly from the City's account based on flexible investment parameters that you set - investing all or part of the City's daily balances. Page 48 J*.P.Morgan Transparency. We expanded our electronic banking platform with J.P. Morgan ACCESS Liquidity Solutions that helps clients like the City actively manage global liquidity, reduce risk, and improve coordination across enterprises. J.P. Morgan ACCESS Liquidity Solutions provides real-time visibility into cash positions globally and monitors daily cash movements to increase transparency and control of the investment sweep process. Ratings were issued by Standard & Poor's and Moody's. Credit ratings are provided for information purposes only. Credit ratings are solely the opinions of the rating agencies. J.P. Morgan does not endorse, and accepts no responsibility for, the credit ratings issued by the rating agencies. Credit ratings may be changed, superseded or withdrawn by the rating agencies at any time. Interest Bearing Account— Hybrid In today's current rate environment, the City may consider using our Hybrid Demand Deposit Account (Hybrid DDA), which provides a combination of an earnings credit allowance on non -interest bearing balances to offset banking service fees and an interest rate on balances over a predetermined threshold. Page 49 J. P.Morgan J.P. Morgan's Checking with Interest account provides a unique option of either paying interest on l00% of the collected account balance or providing a combination of earnings credit and interest. The earnings credit/interest combination is also referred to as our Hybrid Demand Deposit Account (Hybrid DDA) product, which combines a traditional DDA that receives an earnings credit rate to offset service fees with an interest bearing account. Balances up to a predetermined threshold earn an earnings credit allowance to offset bank service fees, vvith balances above the threshold earning hard dollar interest. Interest accrues daily and is paid monthly. A Hybrid DDA offers the following benefits: • Operating efficiency — Can be operationally more efficient for optimizing cash than managing a sweep or direct investment because the funds remain in one cash account and are available for use as needed. It may also reduce the cost that can accompany a sweep option • Full utilization of cash balances • Full liquidity — Balances are fully liquid throughout the business day with no restrictions on withdrawals • An attractive rate of return — In the current market, the Hybrid DDA can offer a competitive rate of return as compared to other short-term investment products 22. AUDIT CONFIRMATIONS -Successful applicant must +o..M`t provide oi'W00 e4ry account balance audit confirmations to the City"s City"audit firm annually at no charge. N Yes, can provide as requested1required. D No, cannot r i `e as requested1required. Comment. - We will continue to provide account balance audit confirmations to the City`s audit firm. . BALANCE ASSESSMENT - Applicant must state how the FDIC Insurance Assessment me balances will be treated,: (treatment east be reflected on the attached Bank Services Fee Schedule as well) -ees to be waived. .71 Fees e partially waived. Z. Fee to be passed in full to the City. Comment.- J.P. Morgan charges a Premium Assessment Fee (PAF), which is a monthly administrative fee assessed to address various regulatory and other charges affecting J.P. Morgan. The fee is set by J.P. Morgan, in its sole discretion, and is subject to periodic review and adjustment. As with other eligible banking series fees, PAF may be offset by the earnings credit allowance. Page 50 J',P.Morgan Since October 1, 2008, the Federal Reserve has paid interest on reserves held at the Federal Reserve by member banks. J.P. Morgan passes this benefit to clients by basing the earnings credit on l00% of the eligible balance of non -interest bearing demand deposit accounts. The following formula is used to calculate the PAF: 24. RESERVE REQUIREMENT - Applicant must indicate whether or not a reserve requirement on balances used in calculating earnings credit is required. OWN Reserve Requirement 0/0 Comment.: In calculating the earnings credit rate (ECR), J.P. Morgan currently does not deduct the reserve requirement from the available balance. 25. EARNINGS CREDIT RATE - Applicant must state the ECR being proposed. ECR 40 Comment,: J.P. Morgan is pleased to offer the City a very aggressive ECR to offset banking services. The City will receive the bank's Premium ECR Plus 5 basis points, currently at .4o bps. Page 51 V`, Morcran b ,2 9- e i services are optional and e considered the City e award; ,Meese indicate the applicant"s ability to provide the services as described and the associated set-up, maintenance andlor per item processing charges. . BANK PROVIDED ATM - The City may considerinstallation of a bank provided ATM for employee and public use. "es, can provide. E] No, cannot ,provide. Comment.. - Based on our experience, J.P. Morgan does not feel that a one-off ATM(s) is cost effective for the City. However, for the City's convenience, J.P. Morgan recommends the City utilize one of our 12 ATMs located within the City's limits. . INTEGRATED DISBURSEMENT SERVICES - The City may consider different levels of outsourcing for its disbursement function including, but not limited to,, check °i ti and distribution. "es, can provide. 0 No,, cannot provide. Comment. - The City can use Host -to -Host Payments to initiate ACH, domestic and international wires, Corporate Quick Pay, single use account, and check payments. Host -to -Host Payments enables the City to deliver high value and low value payments and check print requests, as well as direct debits, via a single or mixed payment file. Host -to -Host Payments combined with check print outsourcing services to move the check print function out of your account payables process. To address the City's need for a disbursement outsourcing solution, J.P. Morgan proposes that the City use ACCESS Online payments. ACCESS Online saves you time by providing a standardized workflow across all payment types. ACCESS Online allows your authorized users to initiate and manage ACH, wire and account/book transfers from the same screen, in the same way. Following single sign -on with just a few clicks, your authorized users can make payments, create templates, view account balances and customize pages. ACCESS Online Check Print verv- .ew J.P. Morgan's Check Print service provides the City with a comprehensive print - to -mail solution for processing large volumes of checks. We have offered check print and dispatch services for more than 20 years. Designed to help you lower operating costs, our service removes the City's need to maintain printing equipment and unnecessary overhead associated with printing checks or remittances advices. Our services help to: • Reduce costs associated with maintaining in-house print operations. • Free the City resources to focus on core competencies. • Eliminate capital investments in machinery and technology. • Rely on tested and proven disaster recovery capabilities. • Reduce the risk of fraud through advanced fraud prevention technology. The City can submit check print instruction files via: • Direct transmission • Web file upload or check direct entry through ACCESS Online We generate online file confirmations to authenticate each transaction and alert the City to any issues. Validated files are routed to one of our two advanced print facilities, and printed and mailed by the following business day. Then we print, insert and forward the checks and remittance details to you or your payees via U.S. or Canadian mail or courier. Check print requests are sanction screened prior to printing. Checks that pass sanction screening are sent downstream for print. Checks that are flagged as suspect, after the initial review, are not printed until a pass status is received. Any check that may be delayed for print is listed with a status of "pending investigation" in the online reports. Most suspect items pass after the sanction screening team reviews additional information provided by our check print system. If further information is required to complete the sanction screening, your client service professional will contact you. Once the check passes screening, it is sent for printing and mailing, and the online status is updated. Payables fraud protection services are required for check printing. Check issue information is automatically generated and sent to our account reconciliation processing (ARP) platform. Check issues are sent to all Chase teller systems across the country, to offer positive pay fraud protection and payee name match service at the teller window. Upon presentment by the payee, the item would be immediately scanned by the teller and then matched to the authorized check issuance details provided by the City. If there are any variations to the payee name details or the item was not found on our records, the encashment request would be denied and the payee would be advised to contact the City. This level of protection is just one of the many benefits you may realize in choosing J.P. Morgan as your check print outsourcing provider. Checks deposited at a Chase ATM are also screened against the positive pay records. Checks not matching your issue records will have a fund availability hold placed against the check amount, allowing for your positive pay exception review Page 53 J',""r.Morgan and a pay or return decision before the check amount is available to the depositor. Payee name verification is not part of the ATM positive pay review. Through significant infrastructure and technology investment in our U.S. printing facilities, we can offer the City a low-cost, high -quality printing solution that is designed specifically for you and can be adapted as your needs change. J.P. Morgan's check printing platform features include: Standard templates for accounts payable, payroll, claims, and dividend checks. A postal net barcode provides for processing efficiencies with the U.S. Postal Service, which translates into postal discounts that leverage not only your own volumes, but those of our other clients as well. New check paper stock provides security features, such as chemical sensitization, invisible fluorescent security fibers, security watermark, micro printing, control numbers and security alert verbiage. Page 54 J.1? V1.organ Figure 14 ::.::.;: ;::.;:: ;.:..; ... . ......... .. _ .... ... .. .�� i ........... .. . Our quality controls throughout the bank are an area of continual focus and improvement for us. With check print, as with all services, we will not sacrifice the accuracy of our work for any other consideration. For purposes of audit control and security, J.P. Morgan's standard check print process uses blank roll feed stock, with digitized logos and signatures applied electronically to each item as it is printed. We recognize the importance of printing high quality checks to maintain low check reject rates. As such, samples of checks are requested periodically throughout the day by the Quality Control area. Sample checks get tested for both MICR quality and conformity to the established check specifications. Should the checks not pass the MICR quality test, the checks are not permitted to be mailed. They are securely shredded, reprinted and quality checked again for proper adherence. If the issue is determined to be file -based, Page 55 Morcran internal J.P. Morgan technology contacts are engaged to troubleshoot and resolve the issue. Duplicate file checking is performed prior to any document being printed. Additionally, we have an Automated Document Factory (ADF), a workflow solution used in our Ohio and Texas facilities. The ADF serves as a job and piece - level tracking solution for the entire document workflow from print through dispatch. As each separate print job gets processed, ADF allows operators to match file item counts to actual page counts upon completion of each job. Should a discrepancy occur, ADF can be used to identify the exact page where the count became out of synch, to quickly troubleshoot and resolve the issue. The results are then logged and validated by a supervisor, before the printing process is restarted. The final production output is then recorded. . COURIER SERVICE - The City may consider the use of a courier service to make daily deposits from one central location to the financial institution. Can the bank provide this service and,, if so,. how would it be billed? Fees to be waived. Fees to be partially waived; billed through analysis. Fee to be passed in full to theCity; blued through analysis. iE Cannot provide. Comment.: Clients using our reverse positive pay service receive a daily checks -presented file from J.P. Morgan on a same -day or next -day basis. Clients match the presented file to their reconciliation application to identify any exceptions. Optionally, a client may send the bank an exception file of all items that need to be reviewed (i.e., a kickback file). J.P. Morgan will load the exception items into our database, then provide the client with access to the images of the exceptions via ACCESS Online the next day. Page 56 J.EMoroun `. SECURITIES CLEARING,, SAFEKEEPING AND CUSTODY SERVICES Securities Clearing and Safekeeping Services can be offered for the securities owned by the City, the following rigs apply, J.P. Morgan offers a full range of custody services, including: Settlement: J.P. Morgan provides a transaction and custody service for all major security types in lot markets. J.P. Morgan may elect to extend Contractual Settlement Date Accounting (CSDA) product functionality that can credit or debit the cash component of a versus payment trade on the contractual settlement date in advance of the actual settlement of the trade. CSDA, if provided, will be extended at J.P. Morgan's sole discretion. CSDA currently covers purchases in all markets and sales in 64 markets, provided we have received complete instructions prior to our stated market cut-offs and there is available settled position for sale trades. In all remaining markets, sale trades settle on an actual settlement basis and funds will be credited to the City's on the actual settlement date. Upon receipt of a complete instruction from our clients, J.P. Morgan's transaction capture and settlement system will automatically forward the settlement instruction to the appropriate agent bank or depository. Through the use of electronic messaging in all markets, the settlement team is given the maximum amount of time possible to investigate any problem transactions. Page 57 J.Jr.Morcyan Upon receipt of the complete instruction, our agent will transmit the instruction to the market for settlement. J.P. Morgan requires its agent banks to pre -match trades (and to advise in relation to those trades that fail to match) in all markets where this is the standard practice and encourages the process in all other markets. Where pre -matching is available in a given market, J.P. Morgan will have set our trade instructions to help make sure that the City's instructions are received by our subcustodian bank with sufficient time to affect the pre -match process. When J.P. Morgan is advised by a subcustodian or depository that a trade has failed to pre -match, this information is relayed to the City, either via SWIFT or J.P. Morgan Markets, to allow all parties to coordinate to rectify the situation. Our client service account managers will also provide assistance by working with the necessary parties to facilitate the settlement process. Safekeeping: J.P. Morgan provides transaction and custody services for all major security -types and offers the following services: • Registration: The registration status of trades is recorded on J.P. Morgan's trade input system. The trades initially have a status of awaiting receipt or awaiting delivery. When J.P. Morgan has been advised that the trade has settled, the status will move to trade complete. For markets where securities are held in physical form, a purchase will then move to a status of at registration when we have been advised that the registration process has begun. All of these updates are reported electronically via J.P. Morgan Markets. Holdings can be viewed at any time to determine whether they are available or at registration. • Account Structure: At the primary level on J.P. Morgan's own system, each client's assets are clearly segregated by the assignment of an individual account number to each portfolio held on behalf of a specific client. At the subcustodian or depository level, the manner in which securities are held by J.P. Morgan on behalf of its clients is determined in the first instance by the local market regulations. However, in those markets where omnibus accounts are permitted, securities are generally held in the nominee name of either J.P. Morgan or its local subcustodian. This has resulted from our experience with local market practice and conditions and is intended to provide the swiftest possible settlement practice and the most secure means of safekeeping. • Corporate Actions: J.P. Morgan operates a comprehensive corporate action processing system that is integrated with core processing applications. The timeliness and quality standards for notification and processing are specified in service level documents and performance is regularly measured against these standards to help provide conformity. Page 58 J,Y",Morgan The primary sources used for corporate actions across all markets include the network of subcustodian banks, depositories and various vendors from which the firm receives automated feeds of information. Information is recorded on the corporate actions system and notified to clients holding the stock within 24 hours of J.P. Morgan's receipt. Notification is usually made via SWIFT or J.P. Morgan Markets. the City can submit instructions via the same methods (SWIFT or J.P. Morgan Markets) and have access to a dedicated 24-hour customer inquiry team. Reminders in relation to outstanding actions are issued daily via J.P. Morgan Markets from five days prior until two days after the J.P. Morgan instruction deadline. Reporting is provided on an intraday basis via both SWIFT and J.P. Morgan Markets. Income Collection: J.P. Morgan has a comprehensive income processing system that is fully integrated with its core custody processing system. The specialist income collection teams are based in Bournemouth (U.K.) and Dallas (U.S.) and are responsible for monitoring and processing the income payable on securities in each of the global custody markets. The vast majority of income is received and credited timely and accurately on payable date providing the City with the ability to re -invest income on payable date. J.P. Morgan may provide, at its sole discretion, global contractual income crediting for most security types currently available in 43 markets. Page , :n COLLATERALIZATION - The successful applicant shall pledge collateral to satisfy the requirements of the Public Funds Collateral Act, Chapter 2257, Texas Government Code, and the City"s Investment Policy., Ledger balance shall determine the total balance level. The successful applicant shall pledge collateral equal to or in excess of the required level on a same day basis. The City"s Investment Policy specifies that securities held as collateral shall have a market value equaling at least 102010 of the total value of City funds held in excess of FDIC insurance levels,, The City shall approve, in advance and in writing,, all proposed collateral. The City will inform the bank of changes in the amount or activity of deposits, that may exceed the City's current collateral value, within a reasonable time before the change occurs. Except as noted, the bank can accept the collateral conditions requested by the City. Per Section 2257.022 of the Government Code, the total value of eligible security to secure a deposit of public funds must be in an amount not less than the amount of the deposit of public funds: (1) Increased by the amount of any accrued interest; and (2) Reduced to the extent that the United States or an instrumentality of the United States insures the deposit. J.P. Morgan, through its National Collateral Management Group ("NCMG"), employs a bank developed Corporate Collateral Management System (COAST), Page 60 J.Y.Morga:n which provides daily monitoring of deposit balances and security value for collateralization purposes. COAST is reviewed each business day by dedicated Collateral Managers for customer collateral requirements. Collateral requirements are based upon the end -of -day ledger, deposit account (checking, savings, depository CD's) information (plus accrued interest if any), less applicable FDIC coverage, plus applicable margin (gross -up), if any. The end of day deposits balances are uploaded into COAST the following business morning from the bank's deposit system. NCMG monitors the market value of securities pledged to our customers and compares the market value to the collateral requirements. In the event a market value reduction creates an under -collateralized position, additional securities will be pledged promptly. . PLEDGED COLLATERAL CUSTODY AND SAFEKEEPING - The pledged securities shall be held in safekeeping at an it custodian acceptable to both the City and the successful applicant. The original cop of ail fledge receipts shall be filed with the Citys Chief Financial Officer. Applicant must provide the name of the proposed independent custodian as well as any related fees. IE 'des, can provide as requested1required. [I No, cannot provide as requested1required. Comment.,, The Federal Reserve Bank (FRB) will provide original safekeeping receipts directly. The City must maintain correct instruction with the FRB to provide delivery of safekeeping receipts. There is no charge of J.P. Morgan 's collateral services. Page 61 J'0_­r`4 Morgan 4. COLLATERAL SUBSTITUTION - Any substitutions of the pledged securities will Page 62 J.P.Mor�an contemporaneously its the acquisition of the asset by the depository institution,,, was approved by the board of directorsof the depository institution or its lean committee, which approval shell be reflected i the ,minutes of said beard or committee, and has been, continuously from the time of its execution,, an official record of the depository institution E Yes, can provide as requested1required. [-] No, cannot provide as requested1required. Comment., J.P. Morgan has policies and procedures designed to comply with applicable state and federal law, including Title 12 USC Section 1823(e), which describes certain provisions needed to diminish or defeat the FDIC's potential claim against the collateral. The Board of Directors of J.P. Morgan has passed a resolution which delegates authority from the Board to certain personnel to, among other things, enter into agreements with governmental entities to serve as a depository and to pledge collateral to secure that entities' public funds deposits. This resolution can be delivered upon request. Page 63 j.P.Mor�an ° e Public Funds Investment Act, in conjunction with the City7s Investment Policy.. shall govern the City"s City"investment activity and the successful applicant shall be required rovide services within the constraints of both" Applicants must complete the attached PFIA Certificationthat acknowledges that they have reviewed the is Investment Policy. During this low rate option, J.P. Morgan recommends utilizing the ECR to offset banking services. Any excess funds can be placed in our J.P. Morgan 's High Yield Savings Account via transfer from ACCESS Online which will be fully collateralized. x CERTIFICATES OF DEPOSIT - Certificates of Deposit("CDs"') purchased for the City shall be on -negotiable and shell be registered in the name of the City. The CDs will be insured within FDIC insurance limits, or e er i e i accordance with the RFA requirements. Proof of collateral in excess of FDIC insurance limits must be supplied to the City prior to CD settlement. El Yes, can provide as requested1required. El No, cannot provide as requested1required. Comment. J.P. Morgan agrees to the conditions of the City's request for Certificates of Deposit. The City currently has a Collateral Account established with J.P. Morgan and all CDs will be insured within FDIC insurance limits, or collateralized in accordance with the RFA requirements. The City will inform the bank of changes in the amount or activity of deposits, that may exceed the City's current collateral value, within a reasonable time before the change occurs. Page 64 .Yo Morgan . INVESTMENT ACCOUNT - Applicants must provide a descriptionhe ti ' best "hard " interest earning option. eep option is proposed, applicant must confirm its compliance with Local Government Code Chapter 2256, the "Public Funds Investment " "PF ""), and the City's Investment Policy. "es, can provide. �.l No, cannot provide. Comment. - During this low rate option, J.P. Morgan recommends utilizing the ECR to offset banking services. Any excess funds can be placed in our J.P. Morgan 's High Yield Savings Account via transfer from ACCESS Online which will be fully collateralized. *The Bank will agree to review the investment policy submitted pursuant to the requirements of the Public Funds Investment Act and will certify to receipt of such policy, and, subject to the following clarifications, its review thereof and implementation of "reasonable procedures" to prevent investment transactions that are not authorized under the City's investment policy. Such clarifications will affirmatively note that, pursuant to such Act, the City will not be relieved of the responsibility from monitoring adherence to such policy itself; that the Bank will not be liable for following the investment instructions of any person authorized by the City to provide such instructions on its behalf or to otherwise notify the City if it receives any investment instructions that are outside the scope of permitted investments under the City's policies; that the Bank is not acting in the capacity of a municipal advisor, nor has it been engaged to nor is it acting in, an investment advisory capacity; and that it has not been granted nor accepted any discretionary investment authority with respect to the City's investments. The certification will further indicate that the "reasonable precautions" undertaken by the Bank to avoid "unauthorized" investments will be limited to procedures that will limit acceptance of investment instructions from only persons authorized by the City and that any instructions received via online portals, such as ACCESS Online, via agreed upon security procedures, shall be deemed to be "authorized". Please see Appendix 2 for the Certification By Business Organization letter. Page 65 ,l. '.Morgan 1. NET OVERDRAFT DEFINED - The City does not intend to have a net overdraft position occur during the term of the agreement. A net overdraft shall be defined as a negative balance in the City's accounts collectively, not by individual account. Z Yes. D No. Comment. - All client accounts are netted together for tracking intra-day liquidity usage. Real- time balance and transaction information is available via ACCESS Online. 2. NOTIFICATION - In the event a check or checks shall be presented for payment where there are insufficient funds in City" s collective accounts,, the successful applicant agrees to promptly notify the City's Accounting Manager or other signatory person, by telephone or other means., of the overdraft condition, and to provide the City a period not exceeding one business day to respond and rectify the condition. [I Yes, can provide as requestedlrequire d,, [] No, cannot provide as requested1required. Comment.,, 3. STIPULATIONS - Should a net overdraft condition occur; the following shall apply. Maximum number of banking days the overdraft shall be allowed%1 dad amount of the overdraft.,, No limit Interest rate per annum computed on the overdraft.- Prime +_,I% Comment.,, Should a situation arise that the City is in a negative collected balance position, J.P. Morgan charges a daily variable overdraft (OD) rate. The fee for overdrafts, which can be offset by an earnings credit allowance, may be assessed on a per - occurrence basis. The formula for Negative Collected Balance Fee is as follows: (Negative Collected Balance x OD Rate)/36o days. The overdraft rate is Prime Plus 3.00%. Page 66 J.P.Moruan b ' 1. REGULATION NOTIFICATIONS - The successful applicant shall notify the City in writing within thirty (30) days of any changes in federal or state regulations, or laws that would affect any agreement resulting from this RFA. Z Yes, can provide as requestedIra equired. L] No, cannot provide as requested1required. Comment.- J.P. Morgan will notify the City of any material changes in federal or state regulations or laws that would materially and directly affect the depository contract, as determined by J.P. Morgan. J.P. Morgan will endeavor to notify the City of any applicable additional services that become available to the City throughout the contract period. 2. INCOMING WIRE TRANSFERS - Notification of incoming wire transfers shall be made by telephone, fax, or email to the City" s Accounting Manager within one hour of the transaction and a written confirmation mailed to the City the same day of the transaction. Z Yes, can provide as requested1required. [I No, cannot provide as requested1required. Comment. - Notification of wire transfers is available via ACCESS Online. Additionally, eServe, the bank's Internet -enabled client service tool, will allow the City to setup notifications in near real time via email -enabled devices (such as PCs, laptops, cell phones, etc.), when specific transactions or events have occurred. x * Page 67 J',I"r,, M o r an 3. RIGHT TO CANCEL UNDER FEDERAL OR STATE LAW RULINGS - In the event i would be ruled illegal under the provisions of any federal or state laws or regulations for the successful applicant to comply with the requirements of this RFA or any resulting agreement, then the City expressly reserves the right and privilege to cancel the agreement and to re -solicit icat ns. Yes, can ,provide as requested1required. 0 N, cannot provide as esereirg Comment: . ACCESS )0 BANK K RECORDS - e successful +6+d J[ +6-r6 3 A - A 'O+e< co aaY relating o the City"s accounts shah be open for review during normal business hours by designated City staff members or appointed independent auditors. Z Yes, can provide as, e es e 1 e i° . 0 No, cannot provide as reese1ei°e. Comment. J.P. Morgan will allow the City's auditors and independent public accountants, including where state or federal assistance is involved, state and federal auditors identified by the City, reasonable access during normal working hours to bank records of the City's as is reasonably required in connection with their examination of the books and records specifically pertaining to the City's accounts, use of funds and services provided by J.P. Morgan to the City. Any access or examination will be: requested in writing; specifically describe the scope and records required; mutually agreed upon as to time and scope; and subject to J.P. Morgan's security procedures and record retention policies. J.P. Morgan may impose reasonable restrictions on the number of individuals allowed access, the frequency and length of access, and the scope of the records made available. the City shall reimburse J.P. Morgan for the reasonable cost of copying, collating, researching and producing archived information. Any examination will be at the City's expense. . RIGHT TO OPEN & MAINTAIN OTHER ACCOUNTS - The City reserves the right to open and maintain one r more demand accounts at financial institutions not affiliated withthe successful applicant. Z Acknowledged. Comment.- 6. El `es, can provide as requested/required. E No,, rennet provide as reesed°eire. Comment. - Since the RFP did not contain a form of agreement, we have included the links for our sample version of our standard form of Account Terms and representative Service Terms for the services that are the subject of the RFP. In addition to those terms, a mutually agreeable contract will be entered into by the parties. Please note that we are amenable to discussing modifications to our Account Terms and Page 68 J M r n Service Terms and incorporation of specific provisions where appropriate to try and meet your needs. However, please keep in mind that J.P. Morgan's policies do not allow for: • The provision of unlimited indemnities; • Conveyance of intellectual property rights; • Acceptance of consequential, incidental, or special damages; • Liquidated damages; • Agreement to miscellaneous laws, regulations, ordinances, codes, etc. that do not on their face apply to J.P. Morgan as provider of the services that are the subject of the RFP; or • Deviations from the insurance coverage the bank carries The standard Account Terms and Service Terms, as applicable to services and accounts contemplated by the RFP, will be incorporated within the final agreement, except to the extent of modifications to which we have mutually agreed, as elsewhere set forth in the final agreement between us. In addition, any representations, warranties, certifications, and the like, which the RFP may otherwise impute to any proposer submitting a response thereto, are not incorporated into, and may not be inferred, as a result of this submission by J.P. Morgan. The City has already executed J.P. Morgan documentation for the accounts and services proposed in this response to the City's RFP. Additional account opening documents or service terms may be required from the City for new accounts or services. As part of our efforts to manage our environmental footprint in an efficient and sustainable manner, sample documents are being provided through the links below. Please note that these documents may be modified by the bank from time to time. At the time of your implementation, and based on the specific services you elect to use, you will receive the applicable agreements to be executed from your implementation project manager. • Sample Account Opening Documents: 3. s a X Yw w w x chase. 'a«�' ` mo 2. 'Aw�E am s 9 a e w `6.d m e commercial -bank/documents 1- 2_-us-account- . • Sample Product and Service Terms and Agreements: X N t 4 //www. chase. com/content/da m eo" h a s '4d c t..+ m AN S > M '4P N Y m Y gym/ 0 `4n4 5 root b a n Z o 4✓ u m S f 5 S i '�.w �'w 'nvA +rw+ S �i i '3 M+ v.✓ �.w f ! i i +,...' yea Page 69 J.Y.Morcyan Description Nees Title Phone Relationship Officer Larnell Camus Executive Director (512) 479-2720 J.P. Morgan recognizes the importance of providing premier client service that differentiates us from other financial providers. We take a consultative and team approach in building relationships with our clients. J.P. Morgan will service the City of Round Rock's relationship through a relationship team based in Texas. The team is comprised of professionals who have a variety of expertise. Your assigned relationship team is responsible for all aspects of your relationship with J.P. Morgan, including general information, lockbox processing, collateral, vault services, treasury management services, online payments, research and adjustments, check processing and credit card, if applicable. Larnell Camus will be the City's relationship manager and banker. Your treasury management officer, Andy Sowa, -will lead the Treasury Services team. All of your day-to-day service issues will be handled by a dedicated client service professional, Maria Arreola. J.P. Morgan is committed to providing the City with outstanding client service. With that in mind, our goal will always be to listen carefully, anticipate your Page 70 J.P. Morgan needs, deliver the solutions that work for you and take responsibility for our actions. We commit to the following client service plan: • On -site Visits - We are dedicated to making frequent visits to your site to meet with management and key contacts at the City. We believe that personal contact is the key to understanding your business, which in turn is the key to increasing our responsiveness to your banking requirements. • Regular Communication - Through face-to-face visits and frequent telephone contact, we commit to keeping the City informed promptly on all product and service issues, in addition to offering timely webinars and seminars. • Anticipation of Needs - We commit to anticipating the City's banking requirements and to bringing new ideas to energize your operations, ideas that help you save time, save money and operate more effectively. • Error Resolution — Your designated client service professional, Maria Arreola, assists you in managing any day-to-day banking issues. Page 71 JeP.Margan Role Executive Director Address 221 West Sixth Street, Floor 2 Austin, TX 78701 Phone (512) 479-2720 Fax (512) 479-2814 Email larnell.camus@jpmorgan.com Responsibilities Larnell will continue lead the City's banking team focusing on the quality delivery of our services. She will: ■ Serve as your primary point of contact for the bank's full capabilities • Recommend products and services that meet the City's needs and goals, including financing solutions, treasury management and other banking services ■ Oversee delivery of products and services including financing, treasury services and other financial services ■ Address your overall satisfaction with the J.P. Morgan banking relationship¶ Biography Larnell Camus' focus is on government clients in Central Texas. Her primary responsibility is to provide solutions to the City's banking needs and for your overall satisfaction with the bank. Larnell has been with the bank for 36 years. She began her career at the Heritage Texas Commerce Bank -San Angelo. Transferring with the bank to Austin in 1985, Larnell became a member of the local Treasury Services/Public Funds group for the bank. After seven years in treasury services, she moved over to the Middle Market group as a client services professional. In 1995, with a promotion to relationship manager, she began working with large depository clients and in 2003 took over the Government Banking portfolio. Larnell graduated from Angelo State University with a degree in Business Administration. Larnell is a member of the Austin Association for Financial Professionals, Government Financial Officers Associations of Texas, and a member of the Women's Interactive Network for J.P. Morgan. Page 72 J.P.Mo1-9an Role Treasury Management Officer Address 102o North East Loop 410, Floor 1 San Antonio, TX, 78209 Phone (210) 829-6149 Cell (210) 262-2787 Email atidy.sowa Responsibilities Andy will assist the City in resolving working capital and efficiency challenges by providing information and offering ideas from the J.P. Morgan's Treasury Services team. He will: ■ Recommend cash flow optimization strategies, including ways to streamline financial processes ■ Assist the City in realizing day-to-day operational efficiencies in alignment with your treasury service goals ■ Provide targeted information to you about new products, market developments and industry trends ■ Monitor the City's implementation for successful service delivery Biography Andy Sowa is a Treasury Management Officer in Commercial Banking and is responsible for providing financial solutions to Government entities located in the Houston, Austin, and San Antonio. With nearly 20 years in the banking industry, he brings vast experience deploying complex Treasury Solutions. He has a strong background in online banking, CRM, PCard and AP Card solutions, and most recently served more than four years as a Product Specialist for J.P. Morgan receivables solutions. Andy is a member of the Association of Financial Professionals. He holds a Bachelor of Business Art from Texas A&M University. Page 73 J.P.Morgan Role Client Service Associate Address 712 Main Street, Floor 4 Houston, TX 77002 Phone (713) 216-026o Fax (713) 216-0410 Email maria.arreola@jpmorgan.com Responsibilities Maria will serve as the primary point of contact and as a proactive resource for the City's banking service needs. With her understanding of all aspects of J.P. Morgan's Treasury Services' product functionality and technology, Maria will facilitate the timely resolution of all service issues. For day-to-day matters, she will: • Resolve the City's inquires including credit/debit confirmations, cancellations of payments, amendments of payment instructions, funds transfer inquires and other treasury service matters ■ Identify and resolve operational issues in a timely manner • Share her specialized knowledge of fraud prevention tools and provide advice on asset and data protection strategies ■ Facilitate the opening of additional accounts Maria works with a team of client service professionals who will provide consistent, reliable and timely service support. Biography As your dedicated service associate, Maria Arreola is your central point of contact for your account servicing needs. Maria handles specialized industry clients in the Middle Market segment across the South and will work to meet the City's business service needs promptly and thoroughly. Maria began working with the firm in 1983 as a teller, and moved forward into various areas of the bank involving syndicated credits, commercial loan administration and credit support. Now, in her role as a client service professional, Maria uses her strong interpersonal skills and her experience to lead and motivate. Maria is a dynamic and results -oriented professional with a successful track record in customer service and relationship management. She is supported by a team of client service associates and together, they will provide the consistent and reliable service support that you expect. Page 74 J.P.Morg-sal x SEMI-ANNUAL MEETING - The City shall require a review meeting at least Dace every six months to evaluate the working relationship between the City and the successful applicant. The objective shall be to address any problems and to seek solutions as well as keepingabreast of changes, new services, or new requirements. Z Yes, can provide as requested1required. E No, cannot provide as reqUested1required. Comment. Anticipating the City's future needs and wants is not guesswork on our part. We commit to meeting with you annually to create a plan and help you control costs, optimize cash flow, manage resources and make informed decisions. Regular relationship reviews will offer insight into how products can provide the City with efficiency and savings. Your J.P. Morgan team can address your key business issues and deliver solutions that achieve additional efficiencies, enhance risk management and improve constituent service. Common topics discussed during relationship reviews and strategic advising sessions include: • Bi-annual relationship review of all treasury services • Enhancements to existing products and new products developed • Best practices in treasury management • Payables and receivables benchmarking • Working capital benchmarking • Counterparty risk analysis A consultative approach to providing solutions that impact financial performance and/or operational efficiencies helps contribute to creating a positive return on investment. Page 75 J".p'.Morcrban J.P. Morgan is required to know its customer and to adhere to policies and procedures intended to meet those regulatory requirements that apply to safety and soundness and to fight against the funding of terrorism, money laundering and sanction related activities including performing certain transaction screenings. This means J.P. Morgan will request information about the City and its management and those having authority to transact business with J.P. Morgan in order for J.P. Morgan to comply with its policies and procedures. This is an ongoing requirement and the provision of services pursuant to this proposal and any additional products or services that may be requested is subject to and conditioned upon the ongoing satisfaction of those policies and procedures and compliance by the City with applicable law with respect to the services provided and J.P. Morgan's policies of which the City is informed. . ADVERTISEMENT ACKNOWLEDGED - This RFA has been duly advertised and i being offered for consideration to financial institutions as permitted by state law and City policy. Acknowledged. Comment. Page 76 ,T.I?Morgan CITY OF RCE911libit ' / F, / SEPTEMBER 2016 AFP UNIT PRICE SERVICE SERVICE DESCRIPTION VOLUME ($) CHARGE CODE_ ($) ACCOUNT SERVICES 010000 ACCOUNT MAINTENANCE 010020 CASH CNTRN BACKVALUE SVCS 010020 CASH CONCENTRATION MAINTMASTER 010021 CASH CONCENTRATION MAINT SUB 010100 DEBIT POSTED — ELECTRONIC 010101 CREDIT POSTED— ELECTRONIC 010307 STATEMENT CYCLES 150OZZ POST NO CHECKS MAINTENANCE BANKING CENTER SERVICES 10004A BRANCH ORDER CURRENCY STRAP 100040 BRANCH ORDER PROCESSED 100044 BRANCH ORDER — COIN ROLL VAULT SERVICES 100100 VAULT DEPOSIT 100110 VAULT DEPOSIT ROLLED COIN 100111 VAULT DEP PARTIAL OR MIXED BAG 100114 VAULT DEP NON STD STRAP — NOTE 100501 VAULT DEPOSIT ADJUSTMENT 100520 VAULT DEPOSIT ADJUSTMENT NOTIF DEPOSITORY SERVICES 10101 CREDITS POSTED 100200 ICL DEPOSIT EARLY 100210 ON —US STANDARD 100210 FILE TRANSMISSION REC.— VPN 100210 ON US PREMIUM 100214 IMAGE GROUP ONE 100214 IMAGE GROUP TWO 100214 IMAGE GROUP TWO — TIER 2 100220 CHECK DEPOSITED —ON US 100224 CHECK DEPOSITED —TRANSIT 100230 DEPOSIT CORRECTION 100400 RETURN ITEM 100402 RETURN ITEM REDEPOSIT 100419 RETURN — EMAIL NOTIFICATION 999999 IMAGE QUALITY SUSPECT ITEMS 999999 NON —CONFORMING IMAGE ITEMS 61 301 5 15.0001 0.0000 — 1 00000 — 5 5.000 25 177 0.030 5 460 0,030 14 6 4.9000 24 3 1,000 3 14 0350 5 7 00000 8811 0.90701 621 231 1.000 231 6 0,9200 1 12 3*000 36 99717 OoO3 292 6 5.000 30 4 5.000 20 224 0.90501 11 21 1.000 21 26 0e0251 1 21 6.9818 143 866 0s050 43 2,818 0.9025 70 19113 0.025 28 19420 OoO25 36 82 00110 9 756 Oo150 1 113 1 5.000 5 6 2.000 12 16 1.500 24 6 1.000 6 12 0.250 3 1 5.000 5 Exhibit it F it DISBURSEMENT SERVICES 10100 CHECK / DEBIT POSTED 10112 CONTROLLED DISB FUNDING 150000 CONTROLLED DISB ACCT MAINT 150030 EXCEPTION NOTIFICATION - ACCT 150110 CONTROLLED DISB CHECK POSTED 150410 STOP PAYMENT - ELECTRONIC 150412 STOP PAYMENT AUTOMATIC RENEWAI 150501 CHECK CASHING NON-ACCT HOLDER 151351 IMAGE STORAGE PER ITEM 151710 CHECK INQUIRY MAINTENANCE 200306 RECON REPORT / STATEMENT MAINT RECONCILIATION SERVICES 150030 POSITIVE PAY MAINTENANCE 150122 PAYEE NAME VERIFICATION 150300 EXCEPTION ITEM 150320 CHECK EXCEPTION RETURN 151351 IMAGE CAPTURE PER ITEM 151353 CD ROM - PER CD (1) 151353 CD ROM MAINTENANCE 200010 FULL RECONCILEMENT - MAINT 200110 FULL RECONCILEMENT - PER ITEM 200201 ISSUE INPUT FILE WITH RECON 200301 OUTPUT FILE WIRE - U.S. 350100 ELECTRONIC FED DEBIT S/T 350124 ELECTRONIC BOOK DEBIT S/T 350300 FED CREDIT S/T 350320 BOOK CREDIT AUTOMATED CLEARING HOUSE 50030 ELOCKBOX MAINTENANCE 50300 ELOCKBOX TRANSACTION RECENED 50311 ELOCKBOX TRANSACTION REFORMAT 250000 ACH MAINTENANCE 250000 JPM ACCESS ACH MAINTENANCE 250100 DEBIT ORIGINATED 250101 ACH DEBITS\CREDITS ORIGINATED 250120 ADDENDA RECORD ORIGINATED 250200 DEBIT RECEIVED 250201 CREDIT RECEIVED 250302 RETURN ITEM 250400 RETURN NOTIFICATION - EMAIL 250501 ACH BATCH/FILE PROCESSED 251050 DEBIT BLOCK MAINTENANCE 251051 ACH ADA AUTHORIZED ID 251070 NOTIFICATION OF CHANGE 251070 NOTIF OF CHANGE - EMAIL 259925 ELOCKBOX FILE PROCESSING RECEIPTSTREAM/ENH REC SVCS 300524 R$ EDI RPTG SUM REPORT 300524 EDI DETAIL REPORT-JPM ACCESS 180 0.050 9 42 0,250 11 1 0,000 - 3 0,000 470 0.050 24 6 2,000 12 3 2,000 6 7 0,000 651 09020 13 3 001000 - 3 000001 - 3 0,000 547 0.030 16 6 2*000 12 1 20.000 20 651 0.010 7 1 25,000 25� 1 0.,000 3 30*000 90 650 0.030 20 1 11 5*000 55 �61 15.0001 90 16 2,000 32 l 1,000 1 1 8 2,000 16 l 10000 1 2 10,000 20 69912 0,050 346 69912 0.030 207� 3 00000 - 2 0,000 - 4,635 0.030 139 39431 0w03 103 19 0,000 - 81 0.030 2 364 0.030 11 10 1,0000 10 10 09500 5 15 500000 75 6 0.9000 - 22 0,500 11 2 0.500 1 2 09500 1 21 3.0001 63 136 0.,000 1881 2,0001 3761 40044Z 400610 40066Z 40066Z 40066Z JPMORGAN ACCESS ACCOUNTS REPORTED MONTHLY SERVICE TRANSACTIONS REPORTED - 45 DAY CONT DISB CHECKS REPORTED EXTENDED TRANSACTION DETAIL 8 15.000 120 1 00000 - 1,119 0.050 56 482 0e050 24 4824 0,000 - WSS OTHER FEES (2) 459999 FEES - ACCOUNT MAINTENANCE 1 625900016251 PREMIUM ASSESSMENT FEE 000230 PREMIUM ASSESSMENT FEE El 2,1231 TOTAL MONTHLY CHARGES SUPPLIES (3) TAMPER PROOF DISPOSABLE BAGS SELF -INKING ENDORSEMENT STAMPS CARBONLESS DEPOSIT TICKETS TOTAL OTHER CHARGES EARNINGS CREDIT (4) FORMULA/RATE BASIS CURRENT RATE AVG COLLECTED BALANCE LESS RESERVE REQUIREMENT INVESTIBLE BALANCE ESTIMATED MONTHLY EARNINGS PREMIUM ASSESSMENT FEE (5) FORMULA/RATE BASIS CURRENT RATE AVG COLLECTED BALANCE ESTIMATED MONTHLY EARNINGS LESS: MONTHLY SWEEP FEE ESTIMATED NET MONTHLY EARNINGS Notes, 6 085 Avg.Coll x ECR x # of days in mo./ # days in year 0,940% 19600000,00 0 19,600,000 E::: 69533 Avg. Ledger x rate x # of days in mo.1 # of days in year 0.13% 196000OOoOO 29123 0 29123 (1) This service can be elimianted by using JPMorgan ACCESS (2) Safekeeping can be outsourced to another provider eliminating this fee (3) Currently outsourced to another vendor, will need more details for costs (4) Earnings Credit is based on Average Collected Balances, however, per the Addendum No: 1 Resonse, we used the average monthly balance requested. (5) Premium Assessment Fee is based on Average Ledger Balances (ALL ATTACHMENTS MUST BE RETURNED WITH RESPONSE - PLEASE ATTACH IN THE ORDER LISTED) 1. AC"C"OUNT ANALYSIS Sample monthly account analysis statement in the format that will be provided to City. Applicant must indicate any capability to provide the information electronically. The City can receive electronic monthly account analysis statement online via ACCESS Online on the sixth business day after month end. ACCESS Online will provide you with 13 months of history. The following sample account analysis statement, in PDF format, shows each section of billing information in a separate table. Total charges are displayed at the end of each table for clarity. -ACCOUNIT ANALYSIS STATEMENT PAGE I �W: 4. 1AW LOW 000 4 6� OW - W JANUARY qNW PUMGAN 0,01 W It~ N A 4, W?K PAM ArIMAN �M.SION 1fX QW.- ... .. ... . .... i2lZ 12-:��XW 01,14-A CXNTACT: "M ................. ......... ........ MANCE KSCRWTKW *MAT*N -0 .... ... ... ....... ....................... IRA IROAAWU 'T A -.Wo USS AW P.40 i �k<m aALAWr� AV A-44VWT mt 0AW 0-00 AIM POW"AA MUE-Mo WANM an $'OWWO OW444 6A VOUVAIWTOT SERVVE 04WIS XXXX: ............ EXGEWVWKIT*� NVESTKE M, XXXX: EAWWOGS AUOWAWE- XXXX XXXX sAk coupcwacg IWO CHARWS XXXX XXXX. XXXX WAV .............. - ........ - R. AWVNT $,.RVCF C"AMR .... ................................................ ............ XXXX ..... . . .................. UXX Figure 15 . ..... Page 80 J.1?Morgan ACCOUNT X� Y-SIS $TAILW--NT PAGE� ilOf 14 FOR J"uAW MIA Accovw� W G- 0 X =vJ C - 123 4 - %7ft AM c4wmy LTD PUMP A ACTWnY SUM-MARY ................... ........... ................................................................................................... ow ........ I .................................................. 'Afp ............................................... ...... ......................... ........ ................. ........... ...... .... ................ ........... ........ up"ca. "Rml sov DAUW1 ME BASC PF40DUCT tm AM 0c=ftwTto" CODE cam: Pmccm VOLUME cKumis.) E Ot9VALL"'T (sl CHARGES (s) ........ .... ActxW* mN"l*wv-*t* 01W of XXXX is xxxx STAKWNT C0MAS .010to MOW xxxx XXXX lom ........................................ w2m. ...................... xx-n TOTA41. XXXX ............. �T f-'FuF"r.aro -suw-cm"F.s Ps$RcN A'Twqf W. 35ml xx xx Xs.pT. XX WT MAWT, 1 WAR KMTORV ACZOL WOW xx xx 41W vo"t ftt- 21 xxxx XK-.KA AV Ar-CCSS WNn" &WNT O-MW 4C40M x)(Ax xxxx ftt mm'.9n ww M COM"AWAk WK 09AWAS Wvul ...... .. ....................... ................... . ............................................... ....................................... XXXX ........................................................... Figure 16 J.P ACCOUNT ANALYSIS STATEMENT FOR JANUARYV214 .0123ASfim A -ANct. PEWSAT� U, HIST A k ......... ... ..... ........... . . ...... 0 ....... .. ...... Q.-Y "or a m A AccouW-... Q-10, J%00"A i4l' Avcpw". Lfoofft, w4W" #A&4WA 64LAWI I'V .... ..................... ........... pK.- . .... .. ..................... .............. ....... ......... ....... ............ ........ .... ...... AVtAAU 4&M - 4AR ................ ........................... ................ - .... ................ ...... . . ......... ......... ............................... ................ V ............... ... ..... .......................... .................. .... ...... ........... ..................... ... ... 4(0- ... ............ .. ................................................ xm ........ .... ... ...... ............ ...... — ........... ............. FiClure 171 Page 81 J:I? Morgan mill Applicant must include an explanation of the applper t"s policy and methodology used in setting rates paid on interest bearing accounts and account analysis earnings credit, and must indicate if rates are based on a market rate such as T-Bill discount or per rate, or the Federal Funds rate, etc., and when the rates are .-I changed. Applicant must prric ovide a is schedule of rates paid. Interest Beaming ZKI Rates offered by J.P. Morgan are "managed which means they are set at the discretion of the bank and subject to change at any time. Most interest bearing accounts use an actual/actual day basis calculation where interest accrues daily and is paid monthly. Account Aiialysis Earnings Credit The ECR is a managed rate reviewed and updated periodically by J.P. Morgan after considering a range of factors, including the market rate environment and J.P. Morgan's demand for funds. Using a managed rate helps to maintain pricing flexibility while helping to protect clients from the short-term rate volatility that could result from using an indexed rate. Page 82 J.Y.Morcran A R The sample collateral agreements have provided on the following pages. Page 83 J','PMorgan Exhibit F it Instructions for- Co rriple ink a Pledgee. A.g:ree! ent & AuthorizatiQn List Please retain a blank copy of the Pledgee Agreement for future use and copy of the completed form for your records. Please type or print in ink the following information in the appropriate sections of the form • Please list the name of your entity, as it appears on your statements, on the blank line in the first sentence. (e.g. We, the "Town of Plainville") a Pledgee number is the four -character identifier that begins with an alpha character, is assigned by the Federal Reserve Bank, and can be found on your statement as the Institution ID. If this is a request to open a new account, please write "NEW". To allow substitution of collateral, check the box YES to permit financial institutions that pledge collateral to you to replace or substitute collateral at the same or greater current value (par for par) without your having to approve each transaction: • Replacement collateral must be deposited the same day that the request to release the collateral is made. At no time are you at risk of being under -collateralized. No collateral will be released without a qualifying substitution or your approval. • FRB staff will calculate the current book value of the replacement collateral and ensure that it is of equal or greater value to the collateral it is rtrzi..placing. • A Pledgee Activity statement will be sent to you as notification that a substitution has been completed. • Select NO to approve each and every dividual transaction. in Call-back procedure refers to the number of Authorized Individuals who must approve a release of collateral. By checking the box for three -party call-back, you are indicating that one individual from your organization can initiate a collateral transaction and that same person can also verify the transaction. By checking the box for four -party call-back, you are indicating that two individuals from your organization are required for every approval: one individual can initiate the transaction but a second must verify it. (In both cases, the other two parties are Federal Reserve individuals.) Name, title, signature, fax and telephone numbers of each individual authorized to release securities pledged to this public entity and held in a joint custody account at the Federal Reserve 40 Bank. This list will be used to verify the authenticity of instructions to release pledged securities. Please provide at least three names and as many additional people as you need to accol"11'"modate vacations, illness, turnover, etc. Please list them in the order you prefer they be contacted. Rev 01/2006 Exhibit "F" Instructions for Completing a Pledgee Agreement (page 2 of 2) • Signature, name, and title of the officer who is authorized to designate the listed individuals. We recommend that the officer not be included on this list as one of the persons authorized to release securities. By signing this form, the officer authorizes the individuals listed to release pledged securities. This signature must be notarized. Notary Information with seal must be obtained to validate the authenticity of the signature of the approving officer. • Please Return the completed Pledgee Agreement to, Federal Reserve Bank of Boston 600 Atlantic Avenue Boston, MA 022 10 Attn: Wholesale Operations/Joint Custody Or fax toll -free to: 877m973m8972 If you have questions or require assistance, please call a customer support representative: 800-327=0147, option 4. You can viARMARMARMew Opemonorating Circular 7 at the following web address: W'WW.-rTbserv-i*ces.or/�O�erabn�C;itculars;'�df/t�c7.pcifFIRM Rev 01/2006 Pledgee Agreement Form Exhibit "F" To: Federal Reserve Bank of Boston Tel: 800-327-0147, Option #4 600 Atlantic Avenue Boston, MA 022 10 Attn: Wholesale Operations/Joint Custody Fax: 877-973-8972 Date: We, the agree to the terms of Appendix C of your Operating Circular 7, dated August 19, 2005, as it maybe amended from time to time with respect to the account on your books designated . (4 digit alpha -numeric account number) We further agree that you may accept par for par substitutions: securities from the Pledgor as a replacement of, or in substitution for, those securities presently held (please check one): ------------ NO (Instructions required for each withdrawal) ---------------------- YES (Standing approval) Provided that the replacement or substitution does not reduce the aggregate par amount of securities held in custody for us. (See Operating Circular 7, Appendix C, Section 4.3.) We authorize you to use the following call-back procedure for securities transactions pertaining to this account (please check one): 1: ■ Three' -party call-back ........... Four -party call-back ... ....... We certify that the individuals listed below may take authoritative action on our behalf with respect to the account, including a direction to release collateral from the account. You may rely on the authority of these individuals with respect to the account until we otherwise notify you. Telephone: Fax: Telephone: Fax: Telephone: Fax: Print Name: Title: Signature: Date: Print Name: Title: Signature: Date: Print Name: Signature: Title: Date: REV 01/2006 Telephone: Fax: Pledgee Agreement (page 2 of 2) Exhibit "F" Print Name: Signature: The Undersigned hereby certifies that he/she is the present lawful incumbent of the designated public office. State of County of On this day of he/she resides at State of (Signature of Notary) (Print name of Notary) My commission expires on Pledgee Notary Name of governmental unit Street Address or P.O Box Number City, State, Zip Code Official Signature/ Date Printed Name and Title 20_ before me personally appeared Title: Date: to me personally known or satisfactorily proven, who by me duly sworn, did depose and say that in the City of that he/she is the [Title] of and that he/she executed this document on behalf of before me. [Date] . in the REV 01/2006 Federal Reserve Ban Joint Custody ServiciW0&1il@f1Fff RequestForm PLEASE TYPE FORM, PRINT, & SUBMIT (handwritten forms may delay FRBservices.org processing) Internal FR (Upon receipt by the Federal Reserve Bank) Federal Reserve Bank Use Only Due Diligence Verified: Initials: Date: Use of the FedMail° access solution is governed by Federal Reserve Bank Operating Circular 5, Electronic Access ("OC 5"). Depending on the services you choose to access using FedMail, additional Operating Circulars may govern. Federal Reserve Bank Operating Circulars are available at RBserjices.urg fre ulatlonso feratin cirulars.htn'il. Submission of this form constitutes acceptance of the terms and conditions of OC 5 and other applicable Operating Circulars and agreements. The Federal Reserve Banks have no obligation to verify the accuracy of the information you provide below and have the right to rely on such information in connection with the provision of FedMail access to the services you are requesting. Except to the extent prohibited by law or regulation, you agree to indemnify, hold harmless and defend the Federal Reserve Banks against any claim, loss, liability, or expense made against or incurred by the Federal Reserve Banks in connection with their reliance on the information provided below. Section 1 — General *Required Fields State or Local Government Institution Name Telephone Phone Extension Joint Custody Account Number(s) ° Provide the 4-digit alpha -numeric account number(s) below that are listed as "institution ID" on your statement. This form may be used for multiple account numbers being delivered to the same addresses, with a maximum of four account numbers. Account #1 Account #2 Account #3 Account #4 Section 2 — Service Profile Instructions 1. For email delivery, please provide more than one email address. 2. If updates are required to your current Joint Custody pledgee agreement, please call 800-327-0147 and select option 4. The email address(es) and/or fax number(s) below will remain in effect until an updated Joint Custody FedMail Request Form is submitted. Joint Custody Service (JCCR) Email Address or Fax Number This list replaces the prior email addresses and/or fax numbers on file for your organization. Last Updated: 03/11 Page 1 of 2 Federal Reserve Bank Joint CustodvX �i�it IIP1 YMail@ Request Form Section 3 — Service Description Service Description ...... Joint Custody Service Provides the ability to receive Joint Custody Daily Activity Statements and monthly (JCCR) Securities Holdings Reports electronically. The email Is sent In text format; the statements and reports are sent as attachments, which may be viewed with a text editor, spreadsheet or word processing software. Section 4 — Authorized Approval Name First Middle Initial Last Signature The person signing this form must be listed on your current pledgee agreement on file with the Federal Reserve Bank as authorized to act for your account. Date Telephone hone Extension Please submit this form to the Customer Contact Center at: Email: ccc.coordinators )kc.frb.or Fax: 800-660-7856 Mail: Customer Contact Center Federal Reserve Bank of Kansas City P.O. Box 219416 Kansas City, MO 64121-9416 The Financial Services logo and "FedMail" are registered service marks of the Federal Reserve Banks. A complete listing of marks owned by the Federal Reserve Banks is available at FRBservices.org. Last Updated: 03/11 Page 2 of 2 Exhibit it F it APPENDIX Cm. CUSTODY AGREEMENT FOR BOOK -ENTRY SECURITIES This Appendix sets forth the terms under which this Bank holds Book -Entry Securities in. custody for the benefit of a state or local government or unit thereof to which the securities have been pledged. Unless otherwise agreed in writing between this Bank and a Pledgee, this Appendix applies only to Book -Entry Securities pledged for the purposes specified in Paragraphs 4.3.2(a)(ii) of this Operating Circular ("Circular"). This Appendix constitutes an agreement, as described in the Applicable Regulations, regarding the security interest of a non - Participant in Book -Entry Securities held by a Participant on the books of this Bank. Each Reserve Bank has issued an Appendix C to Circular No. 7 identical to this one. 1n0 DEFINITIONS In addition to the terms defined in the Circular, the terms defined in this Paragraph have the following meanings when used in this Appendix. (a) AP plicable Regulations means the regulations of issuers of Book -Entry Securities listed in Appendix A to this Circular. (b) Collateral Transaction means the pledge of Book -Entry Securities by a Pledgor to a Pledgee; the release of Pledged Securities to a Pledgor; or the substitution of the same par value amount of new Pledged Securities for existing Pledged Securities that are released to the Pledgor. (c) Pledged Security means a Book -Entry Security that is held in a Restricted Securities Account. (d) Pledgee means the state or local government or unit thereof, to which Book- Entry Securities have been pledged. (e) Pledgor means the Participant that has pledged the Book -Entry Securities. 2.0 GOVERNING LAW 2al The Bank provides custodial services in accordance with Paragraph 4-3.2(a)(ii) of the Circular and this Appendix. The Bank's rights and obligations in providing custodial services pursuant to this Appendix are governed solely by the Circular, this Appendix, and the Applicable Regulations. 282 Pledgor and Pledgee warrant that a pledge of Book -Entry Securities marked on the books of the Bank under the provisions of this Appendix is in accordance with applicable law. If any provision of any bond, security or pledge agreement between Pledgor and Pledgee, or any subsequent waiver, modification or amendment of such agreement, imposes any duties on this Bank that are inconsistent with the provisions of this Appendix, the provisions of this Appendix govern. Provisions of state law that are inconsistent with, or in addition to, the provisions of this Appendix are not binding on this Bank unless otherwise agreed in writing. Operating Circular No. 7 18 Effective April 1, 2013 eguxPattions,te"F"2.3 Under the Applicable isecurity interest of a Pledgee is perfected by this Bank's marking the security interest on its books, and the security interest has priority over any other interest in the Pledged Securities, other than a security interest of the United States. 3.0 ESTABLISHMENT OF RESTRICTED SECURITIES ACCOUNT 3al This Bank will establish a Restricted Securities Account for the benefit of a Pledgee once the Pledgee has agreed to the terms of this Appendix and has provided such other information as may be required -by the Bank. Existing Pledgees may be required to execute a new agreement with the Bank but, in the absence of such new agreement, are deemed to have agreed to the provisions of this Appendix by continuing to hold Pledged Securities with the Bank. Forms for this purpose are available from the Bank. 3n2 By initiating a Collateral Transaction, a Pledgor agrees to all the provisions of this Appendix, as amended from time to time. 4.0 COLLATERAL TRANSACTIONS 4al A Collateral Transaction is initiated by the Pledgor and, except for the pledge of new Pledged Securities, requires the prior approval of the Pledgee or its authorized representative. Collateral Transaction requests and Pledgee authorizations are subject to verification procedures the Bank specifies from time to time. 4m2 If a Pledged Security is unacceptable as collateral to a Pledgee, the Pledged Security will not be released to the Pledgor without the authorization of the Pledgee. The Bank assumes no responsibility to determine if a Pledged Security is acceptable to the Pledgee. 4w3 A Pledgee may provide the Bank with written standing instructions to permit substitutions of like par value amounts of Pledged Securities without the consent of the Pledgee. A substitution transaction involving a lesser par value amount of Pledged Securities requires Pledgee authorization for the release of Pledged Securities. In the case of a substitution involving an Amortizing Book -Entry Security, par value refers to the outstanding book value of the Book -Entry Security at the time of a substitution transaction. 4w4 The Bank issues a confirmation to the Pledgee and the Pledgor for each Collateral Transaction. The confirmation is conclusive evidence of the Collateral Transaction reflected therein. 5.0 INTEREST PAYMENTS AND OTHER PROCEEDS 5al Pursuant to Paragraph 9.2.1 of the Circular, the Bank credits payments of interest on the Pledged Securities to the Pledgor until the Bank receives (i) a written certification from the Pledgee or its authorized representative that the Pledgor is in default under any underlying pledge or security agreement between the Pledgor and the Pledgee, and (ii) written instructions directing the Bank to Operating Circular No. 7 19 Effective April 1, 2013 hold the interest pay� �k1A4 the interest payments in a non- MIR18 4t (F interest -bearing account until co lectin accordance with Paragraph 6 of this Appendix. 5s2 The Bank may hold principal of Pledged Securities that mature or are called for redemption in full in anon—interest-bearing account, as permitted by Paragraph 9.3.1 of the Circular, until the earliest of the following: (a) Pledged Securities are deposited in substitution for the principal in accordance with Paragraph 4.3 of this Appendix; (b) the principal is released in accordance with the authorization of the Pledgee; and (C) the principal is collected by the Pledgee in accordance with Paragraph 6 of this Appendix. 5m3 On the day a Pledged Security that is an Amortizing Book -Entry Security is to be paid off, the Bank shall debit the Pled9or's Master Account before the opening of the Fedwire Securities Service for the amount of principal to be paid to the Pledgor and hold that amount in anon—interest-bearing account until the earliest of the following: (a) Book -Entry Securities are deposited in substitution in accordance with Paragraph 4.3 of this Appendix for the Pledged Security that paid off; (b) that amount is released in accordance with the authorization of the Pledgee; and (C) that amount is collected by the Pledgee in accordance with Paragraph 6 of this Appendix. The Bank credits the principal of a Pledged Security that is to be paid off to the Pledgor's Master Account in accordance with Paragraph 9.3.1 of the Circular. If that credit is not made by 4:30 p.m. ET on the day the Pledged Security is to be paid off, the Bank shall debit from the non —interest -bearing account the amount previously debited from the Pled9or's Master Account under this paragraph and recredit that amount to the Pled9or's Master Account that same day. 6.0 COLLECTION OF PLEDGED SECURITIES AND PROCEEDS 6ol If the Pledgee or its authorized representative certifies in writing to the Bank that the Pledgor is in default under any underlying pledge or security agreement between the Pledgor and the Pledgee, and certifies that the Pledgee has satisfied any notice or other requirement to which the Pledgee is subject, the Pledgee may instruct the Bank in writing to transfer specific amounts and issues of Pledged Securities and, if applicable, specific amounts of interest payments or other proceeds of Pledged Securities not previously credited to the Pledgor or Operating Circular No. 7 20 Effective April 1, 2013 otherwise released, to�����ddLF4bn the books of this Bank or another Reserve Bank. 662 Promptly after receiving such certifications and instructions, the Bank will make the transfer instructed by the Pledgee. 6w3 The Bank is not required to obtain the consent of the Pledgor for any such transfer and assumes no responsibility for determining the validity of a Pledgee 9 s declaration of the Pledgor's default or of the underlying pledge or security agreement between the Pledgor and the Pledgee. 7wO PROHIBITED ACTS 7al Notwithstanding any other provision of this Appendix or the Circular to the contrary, the Bank is not required to perform any act directed or required by the Pledgee if the Bank is prohibited from performing the act by law or by court order. 8.0 LIMITATIONS ON BANK'S LIABILITY AND DUTIES 8al The Bank is liable only for the actual direct loss sustained by a Pledgee or Pledgor proximately caused by the Reserve Bank's failure to exercise ordinary care or act in good faith in performing its duties under this Appendix. In no event shall the Reserve Bank be liable for consequential, indirect, incidental or special damages (including lost profits), however derived, and regardless of whether the Reserve Bank has been informed of the possibility thereof. Both the Pledgee and the Pledgor release and forever discharge the Bank from all other claims, demands, and liability of the Pledgee or the Pledgor, or both, in connection with the Bank's performance of its duties under this Appendix and indemnify the Bank for any claims of other parties, including costs of litigation and reasonable attorneys'fees, with respect to Pledged Securities held by the Bank. 862 In particular, but not exclusively, the Bank has no duty to: (a) act as escrow agent or in any other capacity not expressly provided for in this Appendix; (b) determine the validity of the pledge of securities by the Pledgor to the Pledgee, including whether any required bond, pledge, or security agreement has been executed; (C) monitor the value of a Pledged Security, or the declining book value of a pay -down Pledged Security subsequent to its pledge, or ensure that the type, amount, or value of a Pledged Security is that which is required under state or local law; (d) verify ownership, validity, or legality of the Pledged Securities; (e) pay assessments as provided under state or local law; Operating Circular No. 7 21 Effective April 1, 2013 (f) � call, exchange offer, or the like, aecting t e ledged Securities; (g) carry insurance against loss of the Pledged Securities; or (h) inquire into the existence or continuance of the powers or authority of a public official who is the Pledgee or is acting for the Pledgee or the successors in office to or any person represented to the Bank as authorized to act on behalf of the Pledgee. However, the Bank may require a certificate from the proper authority showing that the public official, or any person represented to the Bank as authorized to act on behalf of the Pledgee, is and continues to be so authorized. 9nO DISPUTES In the event of notice of a conflicting claim with respect to Pledged Securities, the Bank may hold the Pledged Securities, including interest and proceeds, pending settlement of the dispute either by agreement of the parties or by order of a court of competent jurisdiction. 10.0 TERMINATION OF AGREEMENT OR PLEDGE SECURITIES ACCOUNT 10.1 The Bank or the Pledgee may terminate this Agreement and close any Restricted Securities Account established under this Appendix by giving not less than 30 calendar days advance written notice of termination to the other party and to the Pledgor. 10w2 The Bank may release Pledged Securities held by the Bank to the Pledgor at the end of the 30-day period. However, if, within the 30 day period, the Bank (a) receives written instructions from the Pledgor to otherwise dispose of the Pledged Securities and (b) the Pledgee's separate written approval thereof, the Bank will dispose of the Pledged Securities in accordance with these instructions. 1083 If, by reason of a merger or otherwise, a Pled9or I s Book -Entry Securities account is transferred to another Reserve Bank, the Pledged Securities held by this Bank will be transferred to the other Reserve Bank, with 30 calendar days prior notice to affected Pledgees. If Pledged Securities are transferred to this Bank pursuant to this provision, this Bank will hold the Pledged Securities pursuant to the terms of this Appendix and the existing Pledgee Agreement with the transferor Reserve Bank but may require a new Pledgee agreement. 11.0 FEES The Pledgor shall pay any fees for services provided under this Appendix, as announced by the Bank from time to time. Operating Circular No. 7 22 Effective April 1, 2013 12.0 AMENDMENT Exhibit itF" The Reserve Banks reserve the right to amend this Appendix at any time without prior notice. Operating Circular No. 7 23 Effective April 1, 2013 4. SECURITY MEASURES Applicant must provide a detailed description of security measures to prevent fraud and unauthorized electronic and non -electronic transfers, and protect the integrity of computer banking services and internal computer systems. JPMorgan Chase's program to safeguard customer information and provide a secure information technology environment is detailed on the following pages. Page 96 J.1?Morgan Exhibit it F it James A. LaFleur Managing Director Chief Technology Controls Officer Rohan M. Amin Managing Director Chief Information Security Officer JPMorgan Chase's Program to Safeguard Customer Information and Provide a Secure Information Technology Environment Dear Valued Customer, At JPMorgan Chase (JPMC), we are committed to safeguarding our customers' data and have developed a rigorous program to do so. We are also committed to observing the data protection laws and regulations in each of the jurisdictions in which we do business. Our Information Security Program is designed to: - Provide clear guidance regarding the protection of customer information; - Monitor our systems for threats to customer information; - Provide security solutions that minimize the threat to customer information; - Help employees understand their responsibilities with respect to the protection of customer information and the security of our systems; - Expect our relevant third -party service providers to adhere to specific security policies and standards, as well as regulatory obligations as applicable; - Address all customer notification and other requirements regarding information protection. The Information Security Program is governed by the following pr41 inciples: - The foundation of the Program is a set f IT Risk and Security Policies and Standards that establish rules for safeguarding the JPMC IT environment. - The Program has oversight by the Global Technology Operating Committee and is managed by a firmwide Global Technology Controls Committee, composed of representatives of each line of business and relevant JPMC corporate functions. - The Program is reviewed and approved by the JPMC Audit Committee of the Board of Directors on an annual basis. - Our IT programs and processes are subject to reviews on an ongoing basis by JPMC internal and external Auditors. - The Program is subject to periodic inspections by regulatory authorities across the world in countries where JPMC operates. ........................................................................................................................................................................................................................................................................................................................................................................................................................................... Copyright © 2016 JPMor an Chase & Co. All ri hts reserved. Thig g s document contains information that ' �s . confidential and is the roe of JPMorgan Chase & Co. It may not be reproduced, ' . property � 9 y p oduced, distributed or used, C i_&inwh I r .�. . p-- S. o e o in art for an ur th �.. ....f.�� part, • y purpose other than as expressly authorized by JPMorgan Chase. 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. pp 9 p p Y p Exhibit "F" Areas of Focus Key areas of the JPMC Information Security Program are: 1. Cybersecurity Program The cyber defense strategy is designed to ensure the security of the firm's IT infrastructure, as well as coordinating firmwide response to security -related events via an integrated approach across the bank and the external ecosystem. This strategy is designed to: • Engineer security from the ground up to build a fortress foundation that provides resiliency, which includes security embedded throughout the technology stack and adapting security and controls to global business, regulatory and threat environments. � Innovate strong security operations that are risk -based and intelligence -led, including comprehensive insider and third -party threat protection. • Fully engage the business and external ecosystem as cyber defense partners, and ensure business awareness and preparedness through robust training and simulation, increasing our reach through global partner engagement, • Safeguard business data at all levels, by identifying and implementing protection technology for information leaving JPMC and within the arm - including differential protection for critical information assets and appropriate disposal of assets, media and portable devices The Firm's Cybersecurity Program has comprehensive security policies, procedures and control measures, which are designed to provide an enterprise -wide strategy to defend the bank, minimize threats to customer information and ensure a stable and secure operating environment. The program includes: Network & Email Security, Endpoint Security, Data Protection & Cloud, Application Security, Vulnerability Reduction, Security Event & Incident Management, Digital Forensics, Fraud & Protect the Client, and Data Management. 2. Identity and Access Management The primary focus of the Identity and Access Management function is the institution of access standards and controls across the firm's infrastructure and applications, particularly those that contain customer information. These controls are designed to provide services to authenticate users, permit authorized access, enforce consistent administration procedures, maintain segregation of duties, and ensure timely changes through certification/termination/transfer processes for firmwide information systems. 3. Resiliency Management The Global Resiliency program is designed to provide an integrated firmwide resiliency program aligned to our business strategy and principles, as well as the requirements of our customers and clients globally. We do this by planning, preparing and testing: • Providing continuity of client and customer services while protecting the firm's employees and assets; .............................. ..................................... o ........................................... o ......... ..................... Oo .......... o ........................ 0 ...... 0 ...................... o ............. ........................ o .............. o— .............................. ...................... ...................... ......... 0— .......... 0 ...... 00 ..... o ...... ................................ o .............................. Copyright O 2016 JPMorgan Chase & Co. All rights reserved. This document contains information that is 2 :confidential and is the property of JPMorgan Chase & Co. It may not be reproduced, distributed or used, � RAN.."11ORGAN C j _� � A,��.t, 0., in whole or in part, for any purpose other than as expressly authorized by JPMorgan Chase. 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. Exhibit "F" • Engaging senior management on key aspects of the program, strategy, leadership and program oversight; • Proactively managing resiliency risks to incorporate appropriate mitigations and controls; • Developing and maintaining resiliency plans based on impact analysis and criticality; • Helping employees understand their role in recovery scenarios and undertake validation tests and exercises across critical functions and locations. Global Resiliency program is intended to ensure that the Firm has the ability to recover its critical business functions and supporting assets (i.e., staff, technology and facilities) in the event of a business interruption. 4. Physical Security, Investigation and Crisis Management The Physical Security and Business Resiliency and Crisis Management programs,, managed by the Global Security and Investigations (GS&I) organization, are designed to protect JPMC's physical assets from theft, damage or destruction and to coordinate firmwide response to global and regional crises. Among other things, it is designed to ensure controls on physical access to JPMC locations. Specific restrictions are also placed on computer facilities within JPMC locations that contain critical systems or confidential information and logs are maintained with regard to access to those locations. GS&I is also responsible for performing background checks and fingerprinting on all U.S.-based employees with responsibilities for, or access to, customer information. GS&I plays a key role in underpinning the security of the firm. The group achieves this by seeking to minimize fraud losses and meeting all regulatory reporting requirements relating to fraud, security, and crimes against the bank. The Investigations group proactively determines and investigates both fraud instances and employee wrongdoings, and in so doing, assists in identifying control gaps and recommending remediation solutions. S. Third -Party Risk Management The Third -Party Risk Management Program establishes the risk management governance framework for the firm's third -party relationships. The framework includes identifying, assessing, addressing and monitoring risk emanating from third -party vendors and partners and leveraging integrated reporting and analysis for effective risk posture management. 6. Production Assurance The Production Assurance program is aimed at ensuring the existence and use of appropriate processes, tools, and governance surrounding Change Management, Problem Management and Incident Management of production systems across the firm. The focus is to ensure the stability of the production environment, and to promote and enact strict controls that maintain the integrity of the firm's production systems. Copyright OO 2016 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, � _ 3 in whole or in part, for any purpose other than as expressly authorized by JPMorgan Chase. All services JPNI/fORGAN C:.�-� :.�S.F�� �-� �-�• 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. Exhibit it F V1 7. Risk Assessment As part of the Information Security Program, there are processes in place to inventory and protect certain asset classes for Personal Information, including business applications, third party vendors, email content, data backups, and laptops. An enhanced IT Risk Framework provides improved risk assessment processes and leverages synergies and automation. In addition, the IT Risk & Security Management functions govern or participate in the following supplemental assessment initiatives: • Periodic Risk Assessments • Risk -Control Self -Assessment (RCSA) • Application Risk Assessment Review (ARA) • Perimeter Infrastructure Risk Assessment (PIRA) • Vulnerability Scans • Third Party Risk Assessment • Project Risk Assessments • Location Control Assessment (LCA) 8. Compliance Measurement and Reporting Monitoring for compliance with the requirements of the Information Security Program is incorporated in multiple assessment reports and techniques including: • Risk and Control Self -Assessment Process • IT Control Metrics Monthly Review Process • Monthly Data Protection Steering Committee Meeting • Monthly Global Technology Operating Committee Business Controls Committee Meeting • JPMC Internal Audits The following additional activities ensure that the Information Security Program is adjusted to address appropriate risk priorities: • Global Production Assurance Process • Security Event Management Process • Vulnerability Assessment Process • Application Security Assessment Process • Third Party Oversight Process • Weekly Global Technology Control Committee • Monthly Technology Business Controls Committee • Lines of Business Risk and Controls Committees • Policy and Standards Lifecycle and Approval Process .............................. .................................................................................................................................................................................................................................................................................................................... ........................................................................................................................................ Copyright O 2016 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, 4 in whole or in part, for any purpose other than as expressly authorized by JPMorgan Chase. All services � �'1-0�'�G-A� N%-JP�` .��-��.�'� �- �-� �• 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. Exhibit "F" 9. Privacy TheJPMorgan Chase Privacy Program is managed by the JPMC Chief Privacy office and is designed to comply with global privacy regulatory requirements through the development of policies, standards, controls, advisory services and process enhancements. 10. Training and Awareness Information Security Awareness is supported jointly from the Corporate Technology & Risk (CTR) and Cybersecurity teams, in partnership with the Chief Learning Office, to ensure ongoing communication with Regional and Business representatives. � The IT Risk Training program offers live, virtual and computer -based training to all IT risk and controls practitioners across the firm. • In addition, as per the JPMC Global Privacy Program, all employees are required to take annual awareness training on data privacy, which includes confidentiality, security and responding to the unauthorized access to or use of information. • Cybersecurity training has been rolled out across the firm as a firmwide mandate. The training is based on the firm's cybersecurity policies and standards, and is supplemented by a firmwide cyber awareness program and testing initiatives (i.e. phishing tests); staff members who fail spear phishing tests receive immediate awareness and education. • There is regular coverage of Cybersecurity themes to all employees globally, along with outreach to targeted audiences for awareness and training on how to help ensure securing access controls. � The firm has executed thirteen Cybersecurity Simulations in 2015, consisting of tabletop exercises with each major line of business as well as operational -level drills with Global and LoB Cyber Teams; the firm will continue to expand the scope and sophistication of simulation exercises into 2016 and beyond. Thank you for your continued confidence in JPMorgan Chase. James A. LaFleur Managing Director Chief Technology Controls Officer Rohan M. Amain Managing Director Chief Information Security Officer .............................. .................................................................................................................................. o .................................................................................................................. o .................................................................................................. o ................................................... ............................................. Copyright 4 2016 JPMorgan Chase & Co. All rights reserved. This document contains information that is 5 :confidential and is the property of JPMorgan Chase & Co. It may not be reproduced, distributed or used, J P.1---\,,10RG-A N. �.�.� :.��.�, in whole or in part, for any purpose other than as expressly authorized by JPMorgan Chase. 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. Applicant must provide detailed descriptions and specifications for use of all proposed electronic systems and services. ACCESS Online supports the operating systems and Internet browsers listed below. For optimal performance, the bank requests that the City confirm that its systems meet the recommended hardware and software standards. Page 102 Jjr.Morcyan b Page 103 J. P. M o r a, Ca, n ------------------ ------------------------------- --------------- k9[Q 04 W-1 ------------ - ---------------------- ... ..... . ..... ..... ...... .. ..... .... gkgg-� ........... �-, - -:;� � ............... ................... . "N. 1. 0? Mg S. .............. .......... . .... ....... ........................ . . .. ........... . .......... ..................................... ...... ..... ..................... Other 0 Adobe Reader: Acrobat Document Cloud (DC) 201.016.20039 is recommended. Version 11 and DC Software 2015-010.20056 is also supported. 0 Adobe Flash Player: Version 22is recommended. Versions 18,20 and21 are also supported. * Compression software (e.g. WinZip, SecurZIP for Windows) may be required to export reports and files. 0 Microsoft Excel 2010for export of reports data using TSV Unicode" format is recommended. Microsoft Excel2013 is also supported. 0 Note: Adobe Reader and Flash are available on the J.P. Morgan ACCESS download page. Workstation 0 Memory: 4 GB RAM or higher is recommended, 2 GB RAM minimum. 0 Disk Space: Recommended: 1oGB free space available. 0 Monitor: 1280X1024 resolution or higher, 16-bit color or higher is recommended. 1024x768 resolution, 256-color minimum. 0 Best Practices: Use a workstation dedicated to Internet banking (not for email or web browsing). DO NOT use a workstation shared by public, such as at a library or Internet caf6. 0 We strongly recommend that user workstations be regularly updated with operating system and browser security updates. Regular virus scans should be completed, as well. J.P. Morgan Cash Reports, Checks, Payments (Account Transfer, Book, Wire) Approval & Release and/or Trade: ACCESS 0 Apple iPhone, iPad and iPod touch mobile devices, iOS To and greater. Mobile * Android smartphones and tablets, Android 4.4 and greater. Email J.P. Morgan email domains should not be blocked: @chase.com, @jpmchase.com, @jpmorgan.com. Filtering Network The following settings typically apply to network -based proxy solutions and are not required to be Proxy configured on the user's browser settings. To enable connectivity to J.P. Morgan ACCESS, please configure your network proxy solution to allow access to the following domains: *.jpmorgan.com, *.jpmorganaccess.com, *.acetmanagement.com, *jpmacontent.corn Page 104 J.P.M_"'orcyan b 6. SAFEKEEPING FEES Attach a schedule which shows all safekeeping related fees, if offered. Please refer to Bank Services Fee Schedule, for safekeeping fees. Page 105 JP'..Morcyan 7. SAMPLE SAFEKEEPING REPORT Sample monthly safekeeping report of the City owned securities, if offered. A sample safekeeping report follows this page. Page 106 1 - Y.Morgan Account Title FOOTNOTES AT THE CLOSE OF BUSINESS SHOWN ABOVE WE HELD THE FOLLOWING PROPERTY FOR THE ACCOUNT INDICATED CUSIP MATURITY OR. CODE AMOUNT/,SHARES DESCRIPTION RATE NU14BER PAR VALUE U.S. GOVERNMENT AND AGENCIES F 11000,000.00 FEDERAL HOME LOAN BANKS BOND FIXED 1% 28/NOV/2017 USD 5000 DATED DATE: 11/28/14 F 11000,000.00 FEDERAL HOME LOAN BANKS BOND FIXED .7 % 12/DEC/2016 USD 5000 DATED DATE: 12/12/14 F 1 000,000.00 FEDERAL HOME LOAN BANKS BOND FIXED .6 25% 30/MAR/2017 USD 5000 DATED DATE: 04/15/15 F 1, 000, 00.00 FEDERAL HOME LOAN BANKS BOND FIXED .7 2% 13/FEB/2017 USD 5000 DATED DATE: 02/13/15 F 1,1000,000.00 FEDERAL HOME LOAN BANKS BOND FIXER .8 % 30/JUN/2017 USD 5000 DATED DATE: 06/30/15 r 21000,000.00 FEDERAL HOME LOAN BANKS BOND FIXED .7 5% 28/AUG/2017 USD 5000 DATED:DATE: 07/24/15 r 10000,C100.00 FEDERAL HOME LOAN BANKS BOND FIXED .6 / 2 0 USD) .5 0 0 0 �5y}%p� �x0{_f8�)1� ��r�}'Aid ;}1�{ t8�r J/ yt DATED DATE: 0/ 1 0 8 f 1 6 F I, 000, Q00. 00 FEDERAL FARM CREDIT BANK BOND FIXED . 625°gyp 22/MAY/2017 USD 1000 DATED DATE: 05/22/15 r 10000e000.00 FEDERAL FARM CREDIT BANK BOND FIXED . 625% 23/NOV/'2016 USD 1000 DATED DATE: 03/23/15 p 1,0000,400.00 FEDERAL FARM CREDIT BANK BOND FIXED . 75% 14/AUG/2017 USD 1000 DATED DATE: 08/14/1.5 F 1, 000, 000.00 FEDERAL FARM CREDIT BANK BOND FIXED . 65% 19/:TUN/2 17 USD 1000 DATED DATE: 08/19/15 F 1,997,000.00 FEDERAL FARM CREDIT BANK BOND FIXED . 875% 27/NOV/2017 USD 1000 DATED DATE: 01/27/16 F 11000,000.00 FEDERAL FARM CREDIT BANK BOND FIXED . 6 5% 10 ,/ AUG / 2 01'7 USD 1000 DATED DATE: 05/10116 F l,0009000.00 FEDERAL FARM CREDIT BANK BOND FIXED . 67% 08/JAN/2018 USD 1000 DATED DATE: 07/08/16 F I,115sQ00.00 FEDERAL HOME LOAN BANKS BOND FIXED 1. 625% 0.9/DEC/2016 USD 5000 DATED DATE: 11/09/10 F 140000000.00 FEDERAL HOME LOAN BANKS BOND FIXED 1. 28% 21/AUG/2017 USD 5000 DATED DATE: 08/21/13 3130A3LY8 2 1.0000 11/28/2017 3130A3Q64 2 .7000 12/12/2016 3130A4ZB1 2 .6250 03/30/2017 3130A46U1 2 .7200 02/13/2017 3130A5QL6 2 .8000 06/30/2017 3130A62S5 2 .7500 08/28/2017 3130A8NZ2 2 .6500 01/08/2018 3133EEN48 2 .6250 05/22/2017 3133EEUS7 2 .6250 11/23/2016 3133EE7C8 2 .7500 08/14/2017 3133EE7M6 2 .6500 06/19/2017 3133EFWC7 2 .8750 11/27/2017 3133EF6U6 2 .6500 08/10/2017 3133EGKP9 2 .6700 01/08/2018 313371PV2 2 1.6250 12/09/2016 313383WF4 2 1.2800 08/21/2017 EXPLANATION OF CODES: M-MEND ENTRY B-SPECIAL ITEM NOT IN OUR POSSESSION C-TEMPORARY CLEARANCE D-DEPOSITORY TRUST COMPANY F-FEDERAL BOOK ENTRY L-LOAN L -LONG OPTION POSITION SH-SHORT OPTION POSITION DP-DTC PLEDGE FP-FBE PLEDGE P-PTC PLEASE REFER TO THE DISCLAIMER PAGE AT THE END OF THIS REPORT FOR FURTHER INFORMATION. JPMorgan Chase Bank, N.A. Chase etrote Brooklyn. Y 4 REPORT OF ASx:B�S HELD__ H 'age 2 , Account Number Close Of Business Exhibit ,, 1 10/31/16 Account Title FOOTNOTES AT THE CLOSE OF BUSINESS SHOWN ABOVE WE HELD THE FOLLOWING PROPERTY FOR THE ACCOUNT INDICATED "BSI 1 T' .ITY O CODE IODUTISIES. DESCRIPTO� RATE . NR PAR VALUE F 1400,000.00 FEDERAL ROME LOAN MORTGAGE CORP NOTES 313 4 G 3 S 5 0 2 .6250 11 / 01 / 2 016 FIXED .625% 01./NOV'/2016 USD 1000 DATED DATE: 10/18/12 F 2, 000, 000.00 FEDERAL ROVE LOAN MORTGAGE CORPS CALLA, 3134G45U8 2 .8500 1.2 12/2017 BLE MEDIUM TERM NOTE: FIXED 0 . 8 5% 12 /D EC/2017 USD 1000 DATED DATE: 06/12/13 F 1, 0 o 0, 0 0 0.0 0 FEDERAL ROME LOAN MORTGAGE CORP NOTES 3.13 4G6YC1 2 .6700 0 5/ 3 0/ 2 017 FIXED : 67% 30/14AY/2017 USD 1000 DATED DATE: 0 4 / 2 7 / 15 F 2, 000, 000.00 FEDERAL NATIONAL MORTGAGE ASSOCIATION 3135GONZ3 2 .8750 08 / 2 8 / 2 017 NOTES FIXED 0.875% 281AUG/2017 USD l 000 DATED DATE: 07/20/12 F 2,000,000.00 FEDERAL NATION MORTGAGE ASSOCIATION 3135GOPQO 2 .8750 10/26/2017 NOTESFIXED 0.875% 261OCT/2017 USD 1 000 'DATED DATE: 09/24/12 F 1, 000, 000.00 FEDERAL NATIONAL MORTGAGE ASSOCIATION 313 5GORT2 2 .8750 12 / 2 0 / 2 017 BOND FIXED .875% 20/DEC/2017 USD 100 0 DATED DATE: 10/30/12 F 1., OOfl, 000.00 FEDERAL NATIONAL MORTGAGE ASSOCIATION 3135GOVM2 2 .7500 03/14/2017 CALLABLE NOTES FIXED .75% 14/MAR/201 7 USD 1000 DATED DATE: 0 3 / 14 / 13 10000,000.00 FEDERAL NATIONAL MORTGAGE ASSOCIATION 3135GOZB2 2 .7500 04/20/2017 NOTES FIXED .755s 20/APR/2017 USD 100 0 DATED .DATE: 03/10/14 F 0000,000.00 FEDERAL HONE LOAN MORTGAGE CORP NOTES 3137EADH9 2 1.0000 06/29/2017 FIXED 1% 29/JUN/2017 USD 1000 DATED DATE: 05/14/12 F 1, 000, 000.00 FEDERAL HOME LOAN MORTGAGE CORP NOTES 313 7 EADL O 2 1.0000 0 9 / 2 9 / 2 017 FIXED 1% 29/SEP/2017 USD 1000 HATED DATE: 08/10/12 TOTAL MARKET VALUE 0.00 TOTAL UNITS 31,,112,000.00 TOTAL NUMBER OF HOLDINGS - 26 EXPLANATION OF CODES: M-MEMO ENTRY B--SPECIAL ITS NOT IN OUR POSSESSION C-TEMPORARY CLEARANCE D-DEPOSITORY TRUST COMPANY F-FEDERAL BOOK ENTRY L-LOAN LG-LONG OPTION POSITION SH-SHORT OPTION POSITION DP-DTC PLEDGE FP-FBE PLEDGE P-PTC ....._....... __ ......_ ..... .......................................................................................... ........................................................................................... PLEASE REFER. TO THE DISCLA2f' PAGE AT THE .......... ..... ...................... ............... . ... .... ......... ...................... ....... ..... . - * ..:;: - .... -1. '. ;:: ....... ........... . ...... . . ..... .......................... . .... ....... ......... .... ...... . ..... ............... ...... ....... .... ........ ........... JPMorgan Chase Bank, N.A. . ........ 4 Chase Metrotech Center REPORT OF ASSETS GELD Brooklyn,, NY 11245 - --- -------- Exhibit "F" End of Report Disclaimer iiiiw :n H Page 3 Account Number I Close Of Business Account Title Market values and exchange rates were obtained from sources which J.P. Morgan believes to be reliable but have not been verified and are for the exclusive use of the customer. J.P. Morgan makes no statement or warranty, expressed or implied, that any quoted values reflect the proceeds 'which may be received on the sale of a security. Reports generated intraday are subject to change until end of day processing is complete. J.P. Morgan will not be liable for any loss or damage arising out of the inaccuracy of any such information or customer's reliance thereon. Assets reflected as ""held elsewhereff,, *'*Memo", ""memorandum," or "blue sheet" may not be held in custody by J.P. Morgan and may not he subject to J.P. Morgan"s control. As such, customers may have no securities entitlement or other right against J.P. Morgan with respect to these positions, and J.P. Morgan will not be liable with respect to these assets. Balances in BHD, BRL, CNY, COP, INIR, KRW, KM, KZT, TWD, UAH, VEF, VND, XOF and zwiD are held in accounts in the client's name with the subcustodian and are payable by the subcustodian only. Clients should contact their Relationship Manager for any questions related to this. Reports customized or edited by customers may not reflect all assets or transactions. Copyright J.P. Morgan Chase & Co. 2009. All rights reserved S. INVESTMENT ACCOUNT INFORMATION Applicant must provide information on the sweep account or investment account recommended for use by the City as well as detailed information on the applicant's ,most attractive interest yielding option. During this low rate option, J.P. Morgan recommends utilizing the ECR to offset banking services. Any excess funds can be placed in our J.P. Morgan's High Yield Savings Account via transfer from ACCESS Online which will be fully collateralized. We have provided information on other accounts that the City may consider. Investment Sweeps As a leading liquidity solutions provider, J.P. Morgan offers an extensive array of automated intraday and end -of -day investment sweeps to help clients efficiently invest account balances, maintain full intraday liquidity and meet investment guidelines. Investment sweep services afford competitive returns while simultaneously providing fluid integration with the City's operating accounts. Innovation. We continuously strive to maintain our position as a global leader in cash and liquidity management. In the past year few years, the bank invested $1o6 million in its global liquidity platform to deliver a broader selection of capabilities, more reliable service, and a consistent client experience around the world. Convenience. J.P. Morgan's automated investment sweeps can provide convenience and greater investment efficiency. Funds are automatically invested directly from the City's account based on flexible investment parameters that you set - investing all or part of the City's daily balances. Transparency. We expanded our electronic banking platform with J.P. Morgan ACCESS Liquidity Solutions that helps clients like the City actively manage global liquidity, reduce risk, and improve coordination across enterprises. J.P. Morgan ACCESS Liquidity Solutions provides real-time visibility into cash positions globally and monitors daily cash movements to increase transparency and control of the investment sweep process. The City can use the breadth of our services, reputation, and financial strength and stability to help build upon the efficiency and value of your own cash management operation. Below please see a detailed breakout of sweep investment options available to the City. Page 110 Morgan Orntic Ratings were issued by Standard & Poor's and Moody's. Credit ratings are provided for information purposes only. Credit ratings are solely the opinions of the rating agencies. J.P. Morgan does not endorse, and accepts no responsibility for, the credit ratings issued by the rating agencies. Credit ratings may be changed, superseded or withdrawn by the rating agencies at any time. Interest Bearing Accounts — Hybrid DDA In today's current rate environment, the City may consider using our Hybrid Demand Deposit Account (Hybrid DDA), which provides a combination of an earnings credit allowance on non -interest bearing balances to offset banking service fees and an interest rate on balances over a predetermined threshold. J.P. Morgan's Checking with Interest account provides a unique option of either paying interest on loo % of the collected account balance or providing a combination of earnings credit and interest. The earnings credit/interest combination is also referred to as our Hybrid Demand Deposit Account (Hybrid DDA) product, which combines a traditional DDA that receives an earnings credit rate to offset service fees with an interest bearing account. Balances up to a predetermined threshold earn an earnings credit allowance to offset bank service fees, with balances above the threshold earning hard dollar interest. Interest accrues daily and is paid monthly. Pale 111 J.P.Morcran A Hybrid DDA offers the following benefits: • Operating efficiency — Can be operationally more efficient for optimizing cash than managing a sweep or direct investment because the funds remain in one cash account and are available for use as needed. It may also reduce the cost that can accompany a sweep option • Full utilization of cash balances • Full liquidity — Balances are fully liquid throughout the business day with no restrictions on withdrawals • An attractive rate of return — In the current market, the Hybrid DDA can offer a competitive rate of return as compared to other short-term investment products Page 112 J"..,E""Morcyan Lir�--&� -1 11 l Summary of the applicant's business continuation plans as they pertain to the City`s ability to perform normal banking functions during natural and un-natural bank operation disruptions,, including a statement of commitment to provide the City continuous and ongoing Depository Bank services to the best of the successful applicant's ability. As an integral part of normal business operations within J.P. Morgan, every manager in the firm is responsible for developing and maintaining resiliency plans as part of the firm wide Resiliency Management Program, part of the firm's Global Resiliency and Information Technology Risk Management department. Resiliency activities of J.P. Morgan must comply with and are governed by several agencies that have laws, rules and regulations. Within the firm's policy, requirements have been defined for each critical business process to provide essential business and technology service levels to comply with resiliency requirements of the Office of the Comptroller of the Currency, the Federal Financial Institutions Examination Council (FFIEC), the Interagency White Paper on Sound Practices to Strengthen the Resilience of the U. S. Financial System and regulatory agencies within the different geographic regions. Resiliency planning is also commonly referred to by terms within the industry as business continuity, disaster recovery and contingency planning; they all represent the process whereby financial institutions ensure the maintenance or recovery of operations and service to their clients. Resiliency plans must explicitly address the business, operations and technology components of a business process, including those critical processes and functions provided by outside service providers and industry utilities. Contingency locations are an integral part of resiliency planning. In combination with the firm's testing program the locations ensure that the business resiliency plans remain accurate, relevant and operable to minimize disruption to our clients. Critical resiliency plans are tested annually, at a minimum, to verify the effectiveness of alternate locations and to demonstrate that the plans remain accurate and executable. J.P. Morgan's resiliency plans are subject to reviews by J.P. Morgan's Internal Audit Department and the Resiliency Risk Management group, which acts as the firm's governing body for Business Resiliency measures. The plans must address and comply with documented organizational requirements. All findings are escalated to the business units, Risk Management and division executive for review. The firm's Board of Directors reviews the status of the overall resiliency program on an annual basis. J.P. Morgan's exercises commercially reasonable efforts to ensure that the firm meets our obligations to you and to all of our clients. The firm's resiliency program provides comprehensive business impact analysis, risk assessment, resiliency planning and testing to ensure we can manage our risk and our clients risk within a reasonable time period. Page 113 J.P.Morgan A summary overview of J.P. Morgan's CIB business resiliency planning is provided for your review in the following pages. If you require more detail regarding our business resiliency planning methodology, we will be pleased to arrange a meeting for you with members of our business resiliency staff. Page 114 J.P.Moroun CL Exhibit "F" May 2016 The information contained in this document is confidential and proprietary to JPMorgan Chase Et Co. The business resiliency plans of JPMorgan Chase Et Co. are subject to change without notice and do not guarantee that for every disaster or business disruption: (i) such plans will be successfully implemented; or (ii) such plans, if implemented, will be sufficient and appropriate to avoid, deter or mitigate the disaster or business disruption. © 2016 JPMorgan Chase Et Co. All rights reserved. 0 Z Of OL Exhibit it F it Business Resiliency Planning Recovering from or even avoiding a service disruption, whether a component failure or a full- scale disaster, depends on a comprehensive and effective contingency and business resiliency planning process combined with experienced people to execute the plan. J.P. Morgan's business resiliency plans address all parts of the business -including employees, facilities, systems, telecommunications, and third parties. Our business resiliency plans are living documents that are updated on an ongoing basis to incorporate lessons learned and tested regularly to validate the effectiveness and completeness of the plans. Business Resiliency plans, recovery time objectives, " company confidential" and cannot be disclosed informational purposes, this document provides a planning, testing and implementation approach ir Investment Bank line of business. test dates and results are classified as r shared with external entities. For overview of the Business Resiliency place for J.P. Morgan's Corporate Et J.P. Morgan uses an integrated Business Resiliency strategy that addresses both the technology recovery (IT Resiliency) and business continuity planning (Business Resiliency) required to resume operations from a disruption and provide for continuing operations over the course of a business interruption. J.P. Morgan's Firm -wide Business Resiliency Program is designed to comply with all applicable guidelines from the U.S. Office of the Comptroller of the Currency (OCC), the U.S. Federal Financial Institutions Examination Council (FFIEC) and the Interagency White Paper on Sound Practices to Strengthen the Resilience of the U. S. Financial System. Additionally, there are approximately 100 guidelines worldwide for resiliency. As there is no universally accepted global resiliency regulation, the Firm views the guidelines as requirements to create Firm - wide standards as opposed to adopting a single regulation or standard as the Firm standard. Our corporate policies and line of business guidelines are documented to account for the various global regulations,, The Firm's Corporate Ft Investment Bank line of business business resiliency plans are subject to audits by various regulatory agencies, including the U.S. Federal Reserve, the U.S. OCC, the U.K. Prudential Regulatory Authority and the Financial Conduct Authority, Asia -Pacific monetary authorities and others. Recovery strategies and plans are documented to account for both the typical planning scenario and the worst -case scenario, involving loss of life and widespread geographic interruption. The corporate planning standard requires that the recovery strategies are sustainable for 30 days. J.P. Morgan's Global Business Resiliency group is responsible for leading the Firm -wide Business Resiliency Program. This Program includes corporate governance, awareness and training as well as strategic and tactical initiatives to ensure that risks are identified, assessed, and managed through a cycle of risk assessment, planning, testing and reporting,, Program governance utilizes a hierarchy of oversight committees to ensure visibility of the Firm's resiliency capabilities and requirements. The Business Resiliency Program and related governance structure is ultimately accountable to the Board of Directors of J.P. Morgan and reports into the Board of Directors through its Audit, Operating and Management Committees. The Firm's Corporate Et Investment Bank line of business maintains both a dedicated staff responsible for providing Business Resiliency services to all of its sub -business units and a ..a n- Pa M�0. 1 0 Exhibit "F" dedicated IT Resiliency team focused on technology resiliency. These professionals provide governance, oversight and compliance functions for business and technology personnel. The combined team is responsible to ensure that corporate, regulatory and country- specific requirements are met., IT recovery strategies and plans (also known as technology recovery plans) address the recovery of critical systems and applications from an interruption to normal processing cycles. A full range of technical solutions are used, with the specific technologies applied to each application /function depending on the criticality and recovery time objective of the specific application. J.P. Morgan data centers support a wide range of technology to provide high availability environments and alternate site recovery capabilities, including disk mirroring, clustering, geographically dispersed systems, and offsite tape backups, depending on the criticality and recovery time objective of the application(s). Documented business continuity strategies and plans address the recovery of functions and/or people to one or more viable alternate recovery sites. When similar processes utilizing like systems are performed at multiple locations, the use of a sister site or distributed operating model is generally the preferred recovery approach,, A sister site is defined as a facility that performs like processes, using similar systems and equipment, and where local management possesses expertise on the processes to be recovered at that location. In situations where only workspace or access to remote applications is required, other J.P. Morgan locations outside the production site zone are the preferred approach. Plan Development The services J.P. Morgan provides to our clients involve multiple systems and services that, when combined, deliver a best in class product to you. Apart of our resiliency process is to analyze that stream of systems and services to ensure they have adequate recovery time objectives and supporting resiliency plans to meet our client and J.P. Morgan needs should any one of those systems or services be interrupted. Our global resiliency effort is comprised of over 1,000 active business resiliency plans, each managed by a J.P. Morgan Business Resiliency Manager. J.P. Morgan's Risk Analysis considers numerous specific threats which include the following: ■ Economic Risk (e.g. economic developments in one country may negatively impact international transactions) ■ Natural Disaster Risk (e.g. likelihood of earthquakes, floods, fire, tsunamis, tornadoes and other natural hazards) ■ Operational Risk (e.g. the influence of societal and structural factors on business activity in a country, and the likelihood of state and non -state actors either 40 facilitating or impeding efficient business operations) ■ Political Risk (e.g. likelihood of state or non -state political actors negatively affecting 40 business operations in a country through regime instability or direct/indirect interference) ■ Security Risk (e.g. likelihood of state or non -state actors engaging in actions that harm the financial, physical and human assets of a company, and the extent to which the state is willing and able to protect those assets) ■ Terrorism Risk (e.g. likelihood that acts of terrorism directly business operations in a country. Terrorist acts may include hostage -taking, attacks using chemical, biological or radioactive non -conventional weapons, or threats of attacks) Jill rAK WEi •. or indirectly affect bombings, murder, agents, and use of 2 C3 Z ■ Travel Risk (e.g. the (including terrorism, (including sectarian, crime. Exhibit "F" threat posed to travelers and expatriates by political violence insurgency, politically motivated unrest and war), social unrest communal and ethnic violence) as well as violent and Dettv J.P. Morgan uses a formal Business Impact Analysis (BIA) process and a standard tool to gather and analyze data with each business unit,, For consistency of process and content, a Business Resiliency Manager works with the business unit staff to conduct this assessment. The BIA measures the potential impact of disruption to clients, as well as legal, regulatory and financial impact to the Firm if the business process is not able to function. The business unit then establishes a recovery time objective for processes and supporting infrastructure. The recovery time objective range begins with intraday recovery (either 2 hours or 4 hours) and extends out based on the criticality and time -sensitivity of the process (either 24, 48, 72 or 73+ hours). Our BIA process is conducted and completed annually on the nearly 3,000 business processes managed by J.P. Morgan. Output from the BIA is used to define and develop a preferred recovery strategy consistent with the specified recovery time objective. Standardized methodologies, templates and tools provide consistent reporting mechanisms, helping to ensure that the selected strategy and the detailed plan address all relevant aspects of our Corporate policies and line of business guidelines. All business resiliency plans are required to incorporate and satisfy specific critical elements, including,, • Recovery Strategy Employee Call Tree Customers/Third Parties • Recovery Time Objective Damage Assessment Equipment/Software • Emergency Notification Recovery Procedures Telecommunications • Work-in- process Assessment Risk assessment and recovery site selection includes evaluation of sites that will not likely be impacted by the same event considering regional geography and critical infrastructure that supports the process. In many cases, alternate J.P. Morgan locations or sister sites are the primary recovery site. Select business units have established hot site locations for business and technology recovery while others have contracts with third party vendors to provide and support business and systems recovery. Where applicable, business resiliency plans reference command centers, assembly sites, offsite storage and recovery sites,, A formal process to document and approve recovery sites is in place to help avoid the potential double -booking or business unit overlap at recovery sites,. Additionally, support groups, such as Real Estate and Desktop Support, ensure recovery sites can be utilized effectively at the time of an interruption and that plans are established to provide required infrastructure within allowable timeframes. Enhancements to J.P. Morgan business resiliency plans are on -going. Specifically, J.P. Morgan continues to increase operational resiliency through greater use of production location diversification. Technology improvements have been implemented within our world -class data centers further improving the resiliency and robustness of our technology environment. 3 a Z Exhibit it F it Testing, Training and Education All plans must comply with the Firms' Corporate Testing policy and test cycle. Each resiliency plan is tested annually, at a minimum,, Exercises can include: ■ Notification Testing: Assure the accuracy and completeness of call tree information is maintained through organizational changes. ■ Walkthrough: Familiarize the business unit their role in its execution. This validates critical processes and helps to identify remediation . or support group staff with the plan and that the resiliency plan incorporates all gaps or other weaknesses requiring ■ Simulation Testing: Validate and share assumptions, including those related to dependencies, and the ability of support groups, third parties, and other vendors to provide support. A scenario -based exercise, simulation testing is an interactive session where participants are presented with a disruption and must react to one or more impacts and make critical decisions. ■ Full Physical,.* Validate the ability to recover business units, processes, applications, and infrastructure within the established recovery time objective without dependency on the primary location. Business management is aware of all activity leading up to the execution of the test,, Post-test reports are reviewed with business management upon completion of the event. A central log is maintained of significant issues encountered during a test. Each month the list of issues, if any, is updated to reflect the current status, including actions taken, reviewed with business management and escalated as appropriate,, Issues that arise during testing are retested within an appropriate timeframe. Resiliency plans supporting critical business processes are reviewed and updated annually or more frequently when there are significant changes in the environment. Plan maintenance sessions are typically comprised of a formal review of all aspects of the applicable resiliency plan and updates are contemporaeneously made, as necessary. Every J.P. Morgan employee is required to complete Business Resiliency training annually. The objective of this training is to provide an overview of the key components of business resiliency and illustrate how each individual employee can support and play a role in Business Resiliency. Core resiliency skills training is also available for Business Resiliency Professionals and Coordinators. In addition, J.P. Morgan has a formal, centrally managed, assessment process to evaluate the adequacy of security, disaster recovery and business continuity controls in place at critical third parties,, A critical third party is an external entity, which provides a product or service that has client, revenue, regulatory or reputational impact to J.P. Morgan. Business Resiliency plans are subject to reviews by J.P. Morgan's Global Business Resiliency group, which acts as the Firm's governing body for Business Resiliency measures. The plans must address and comply with documented organizational requirements. All findings are escalated to the business units, Risk Management and division executive for review. Additionally, the Corporate Ex Investment Bank line of business Quality Planning Program has been designed to assess, challenge and enhance all Corporate Et Investment Bank Business Impact Analysis and Business Resiliency Plans to ensure businesses develop recovery solutions that are specific to their needs taking into consideration the business model, location strategy, operating assumptions and key dependencies. The program stress tests existing P* M. 0 g.4n Z Exhibit it F it strategies and plans by focusing on several key areas that will drive a more comprehensive and granular planning strategy to ensure businesses are well prepared for disruptions affecting operations for the short and long term. The goal of the program is to enhance the quality, drive consistency and ensure sustainability, Event Management, Escalation and Response J.P. Morgan maintains regional crisis management teams and site incident management teams to address emerging risks and respond to actual recovery issues., Within the Corporate and Investment Bank, a crisis management framework manages business units and customers through a potential or actual business interruption event. This patented process is tested on a regular basis and has been successfully used to manage through a multitude of planned and unplanned events including hurricanes, floods, snowstorms, terrorist attacks, technology interruptions and power outages. The following areas are addressed: ■ Notification of employees and activation of the plan ■ Damage assessment of facility, technology and work-in- progress ■ Evaluation and impact of established service level agreements ■ Communication with key support providers and customers ■ Recovery of work-in- progress ■ Recovery site activation ■ Impact on support groups and interdependent processes ■ Movement of work and people ■ Business unit and technology recovery ■ Restoration of the process back to the original production location J.P. Morgan is a large, geographically dispersed financial institution with the ability to manage complex events. Automated notification tools, e-mail, instant messaging, and teleconference bridge lines are used to communicate and coordinate activities across all business units and support groups. In an actual business disruption, it can be critical to determine accurately the extent of damage and the resources required to resume and maintain operations. Damage Assessment is comprised of three components, coordinated by groups knowledgeable in their established discipline: the Global Real Estate Group evaluates the facility and select supporting infrastructure; business unit management evaluates the impact of in -progress and expected workload and determines the appropriate level of response; Global Technology Infrastructure evaluates the impact on electronic equipment, including computers, network and servers. Within each line of business at each location, a senior individual is appointed to represent the business at the J.P. Morgan's Firm -wide Crisis Command Center. In the event of a business disruption, J.P. Morgan will activate the Crisis Command Center in order to determine the scope of the disruption, the effect on the business and on our clients. When activated, the Crisis Command Center is staffed 24 hours a day with senior representatives from Real Estate, Security, Technology, Infrastructure, Risk Management, Legal, Compliance, Insurance, Audit, Human Resources, Corporate Communications /Marketing, Finance and each line of business. To keep clients informed during a business disruption J.P. Morgan relies on both written and verbal communications,, We provide clients with regular updates summarizing the status of the situation and the impact to clients. Depending on the nature of the disruption and the J P... argan 5 Exhibit ft F it number of clients impacted, the Firm may use direct telephone calls, conference calls, em mails, faxes, recorded messages, and other means to disseminate information. When applicable, communications may include contact information for those areas operating at contingency locations. Minimizing Likelihood and Extent of A Disruption J.P. Morgan's extensive global footprint provides built-in redundancy for many core processing, operations and service delivery functions. J.P. Morgan has strategically located data centers and operation centers throughout the world. This geographic distribution helps to reduce the impact of a local disruption on our business. Each location has at least one defined and tested recovery site with connectivity to applications and a tested plan for relocating to the alternate site and resuming business. Further minimizing the likelihood of a full-scale business disruption, J.P. Morgan's data centers and data storage procedures have been designed to minimize the likelihood of a disruption in the event of a disaster and to eliminate single points of failure, as described below. ■ Data centers have on -site backup processing resources to address local equipment issues. ■ Data centers and major operations facilities are designed to receive electrical power from dual utility feeds, multiple redundant Uninterruptible Power Supply (UPS) protection, and redundant on -site generators,, Buildings feature stringent physical security, using highly sophisticated systems to prevent against and detect fire, smoke, water and intrusion. These measures help to reduce the risk and minimize the consequences of these events. Each building is secured at the main entrance, requiring electronic ID cards for access. In addition, a trained and equipped security staff provides 24=hour coverage. ■ In major facilities, the voice service is delivered over the data network (Voice Over IP), leveraging the diverse routing of the corporate network. Elsewhere, voice services are sourced from two separate switching stations (or exchanges) and delivered to the building so that an interruption to one of the switching stations (exchange) would not affect the entire building's workspace. J.P. Morgan maintains a proprietary telecommunications network across our global operating facilities and data centers, which is designed to maintain communications in the event of a disaster. We have redundant components for each connection (e.g., routers, switches, etc,,) which allow us to immediately correct device failures. We have configured our network with multiple diversely routed paths that allow us to re -direct traffic in the event of a disruption. This enables us to utilize additional options in the event of a provider outage. Wide -scale Staff Disruption (including Pandemic Preparedness) Based on the World Health Organization's pandemic model, J.P. Morgan has prepared a process for creating layers of defense to prevent virus transmission and a workmaround for the possibility of mass employee absenteeism. Our plans not only address a pandemic situation but would serve us for other wide -scale staff disruptions. Planning incorporates preparedness and expertise from all areas of the Firm. Consideration has been given to the unavailability of the workforce or closing of locations over extended periods of time. J.P. Morgan will exercise commercially reasonable efforts to ensure that the Firm will meet its obligations to you and to all of our customers. J M:orgarri 6 10. REFERENCES == List of at least three (3) comparable references and current Texas Public Funds clients, including total number of collateralized Texas Public Fund clients. The bank currently has over 2oo Texas Public Fund clients collateralized. Page 122 'Moraan .-M 11, SAMPLE FIRREA COMPLIANT DOCUMENT. sample copy of applicant"scompliant document that clearly ,shows that the applicant"s Board or designated committee has accepted tad the depository agree not and authorized the pledge of collateral, with a permanent record of this action to be maintained in the minutes of the applicant. J.P. Morgan has policies and procedures designed to comply with applicable state and federal law, including Title 12 USC Section 1823(e), which describes certain provisions needed to diminish or defeat the FDIC's potential claim against the collateral. The Board of Directors of J.P. Morgan has passed a resolution which delegates authority from the Board to certain personnel to, among other things, enter into agreements with governmental entities to serve as a depository and to pledge collateral to secure that entities' public funds deposits. This resolution can be delivered upon request. T`iXe 123 f..EMorcran_ Appendix 1. Availability Schedules Appendix 2. Certification By Business Organization Letter ,,-"Moraan Page 124 J' V0 b Exhibit it F it AVailability Schedule January=16 Exhibit it F it J.P.Morgan Availability Schedule Policy Paper Deposits The funds availability of checks deposited is based on the financial institution where the check is drawn. The cutoff for same day ledger credit for deposits delivered directly to a regional processing center is 4:00 p.m. local time. Deposits received after deadline will be posted on the next business day. The Federal Reserve banking system will not forward process any item over $99,999,999.99. J.P.Morgan may refu such item or handle any such item as a collection item, with customer credit and availability deferred accordingly. Thrift and S&L routing transit numbers (RTs) receive the same availability as the corresponding RT range as listed in the schedule. Federal Reserve Bank and Federal Home Loan Bank RTs are assigned one day float. Availability schedules may be changed without notification. The information furnished herein by J.P.Morgan is CONFIDENTIAL and is distributed for the exclusive use in evalu< J.P.Morgan programs and shall not be duplicated, published, or disclosed in whole or part, to any other person or disclosed in whole or part, to any other person or entity other than the recipient, or used for other purposes, without the prior written permission of J.P.Morgan. PAPER CHECK AVAILABILITY SCHEDULE 3o�xhibit "F" On Us Controlled Disbursement Postal Money Orders U.S. Treasury Warrants Savings Bonds Domestic Institutions Availability II Fraction 0 100% 1 100% 1 100% 1 100% 1 100% 1 /2 70%/30% CONFIDENTIAL © 2016 J.P.Morgan. All rights reserved. 1 Of 1 Paper 301 Nationwide On Us RTs 0210-0002 0440-0003 0210-0012 0519-0036 0211-0036 0610-9238 0212-0233 0654-0013 0212-0271 0710-0001 0212-7272 0710-0077 0213-0046 0710-7452 0214-1063 0711-0026 0223-0017 0720-0032 0280-0012 0740-0001 Nationwide CD RTs 0213-0937 0311-0026 0220-0084 0441-1544 0311-0023 0652-0475 Exhibit "F" 0750-0001 1130-0767 0830-0013 1221-0002 1020-0101 1232-7197 1030-0064 1240-0154 1070-8955 2631-8986 1110-0061 2670-8413 1110-0115 3222-7162 1119-2186 3250-7076 1119-9377 1130-0060 0719-2322 1020-0097 0724-1292 1070-0109 0759-0272 1113-0088 Exhibit it F it ------------- le AVailability Schedule Jaunary 2016 Exhibit it F it J.P.Morgan Image Cash Letter (ICL) Availability Schedule Policy The funds availability of checks deposited is based on the financial institution where the check is drawn. Deadlines in this schedule apply to image cash letter deposits that are transmitted directly to J.P.Morgan. The Federal Reserve banking system will not forward process any item over $99,999,999.99. J.P.Morgan may refuse to process such item or handle any such item as a collection item, with customer credit and availability deferred accordingly. Availability schedules may be changed without notification. Thrift and S&L routing transit numbers (RTs) receive the same availability as the corresponding RT range as listed in the schedule. Federal Reserve Bank and Federal Home Loan Bank RTs are assigned one day float. The weekend deadline for file transmissions is 5:00 PM Sunday. The stated availability on the attached schedule also applies to weekend transmissions. The information furnished herein by J.P.Morgan is CONFIDENTIAL and is distributed for the exclusive use in evaluating J.P.Morgan programs and shall not be duplicated, published, or disclosed in whole or part, to any other person or disclosed in whole or part, to any other person or entity other than the recipient, or used for other purposes, without the prior written permission of J.P.Morgan. Corporate ICL 301 Routing Transit Number(s) JPMC Chase CDs Group 1 Group 2 Tier 1 Group 2 Tier 2 0000-0020, 0119, 0800 0000-0051 1214, 3214 All others *Deadlines are Eastern Standard Time CONFIDENTIAL © 2016 J.P. Morgan, All rights reserved. Exhibit "F" ------------------ Description See "summary" tab See "summary" tab See "Group 1" tab See "Group 2 Tier 1 " tab See "Group 2 Tier 2" tab Postal Money Orders US Treasury Guam/Mariana Islands Domestic Fls 10"nA 70 100% 100% 95%/5% 95%/5% 95%/5% 95%/5% 95%/5% 100% 95%/5% 5:3M 0 12:00 AM 0/1 12:00 AM 0/1 12:00 AM 0/1 6:00 AM 0/1 6:00 AM 0/1 2:00 AM 2 12:00 AM 1 /2 Group 1 RTs 8.0754 Group 2 Tier 1 2,1714 Group 2 Tier 2 81017 On Us RTs 38 Total Selects 19,523 Nationwide On Us RTs 0210-0002 0440-0003 0750-0001 0210-0012 0519-0036 0830-0013 0211-0036 0610-9238 1020-0101 0212-0233 0654-0013 1030-0064 0212-0271 0710-0001 1070-8955 0212-7272 0710-0077 1110-0061 0213-0046 0710-7452 1110-0115 0214-1063 0711-0026 1119-2186* 0223-0017 0720-0032 1119-9377 0280-0012 0740-0001 1130-0060 Nationwide CD RTs Exhibit it F it 1130-0767* 1221-0002 1232-7197 1240-0154 2631-8986 2670-8413 3222-7162 3250-7076 0213-0937 0311-0026 0719-2322 1020-0097* 0220-0084 0441-1544 0724-1292 1070-0109* 0311-0023 0652-0475 0759-0272 1113-0088 •: RTs can be presented via Image Cash Letter but cannot be presented via Direct On Us Image Exchange Group 1 Total RTs: 8,1754 Select Group 1 Transit Routing Numbers 0000-0020 0000-0051 0000-0800 0000-9000 0110-0002 0110-0013 0110-0127 0110-0133 0110-0172 0110-0196 0110-0233 0110-7515 0110-7520 0111-0161 0111-0213 0111-0235 0111-0261 0111-0266 0111-0312 0111-0413 0111-0419 0111-0428 0111-0433 0111-1055 0111-1070 0111-1073 0111-1075 0111-7521 0112-0047 0112-0140 0112-0143 0112-0149 0112-0150 0112-0152 0112-0175 0112-0176 0112-0199 0112-0239 0112-0290 0112-0291 0112-7525 0112-7530 0113-0107 0113-0139 0113-0153 0113-0199 0113-0211 0113-0252 0113-0260 0113-0261 0113-0274 0113-0276 0113-0283 0113-0307 0113-0309 0113-0311 0113-0332 0113-0386 0113-0428 0113-0447 0113-0451 0113-0520 0113-0526 0113-0533 0113-0682 0113-0710 0113-0711 0113-0712 0113-0715 0113-0717 0113-7516 0113-7527 0113-7538 0114-0001 0114-0003 0114-0014 0114-0113 0114-0185 0114-0187 0114-0193 0114-0196 0114-0206 0114-0207 0115-0012 0115-0072 0115-0085 0115-0091 0115-0102 0115-0168 0115-0170 0115-0171 0115-0174 0115-0175 0115-7523 0116-0006 0116-0048 0116-0062 0116-0077 0116-0086 0116-0102 0116-0110 0116-0117 0116-0123 0116-0126 0116-9260 0117-0042 0117-0108 0117-0110 0117-0128 0117-0131 0117-0142 0117-0166 0117-0190 0117-0198 0117-3602 0117-7510 0118-0248 0118-0538 0118-0714 0119-7522 0210-0008 0210-0032 0210-0103 0210-0108 0210-3120 0210-5205 0211-1092 0211-1096 0211-1180 0211-1293 0211-1312 0211-1319 0211-1320 0211-1325 0211-1366 0211-1411 0211-1415 0211-1448 0211-1477 0211-1478 0212-0001 0212-0002 0212-0033 0212-0057 Exhibit it F it 0212-0160 0212-0163 0212-0231 0212-0244 0212-0397 0212-0441 0212-0459 0212-0523 0212-0564 0212-0589 0212-0607 0212-0624 0212-0627 0212-0658 0212-0667 0212-0694 0212-0699 0212-0700 0212-0701 0212-0702 0212-0711 0212-0715 0212-0735 0212-1005 0212-1007 0212-1011 0212-1305 0212-1309 0212-1317 0212-1318 0212-1321 0212-1330 0212-1337 0212-1339 0212-1341 0212-1344 0212-1346 0212-1348 0212-1349 0212-1350 0212-1352 0212-1355 0212-1359 0212-1369 0212-1371 0212-1389 0212-1394 0212-1398 0212-1401 0212-1405 0212-1406 0212-1408 0212-1409 0212-1410 0212-1416 0212-1418 0212-1427 0212-1432 0212-1435 0212-1443 0212-1449 0212-1452 0212-1457 0212-7270 0212-7274 0212-7279 0212-8354 0212-8393 0212-8396 0212-8397 0213-0057 0213-0066 0213-0067 0213-0068 0213-0091 0213-0111 0213-0255 0213-0264 0213-0288 0213-0347 0213-0361 0213-0467 0213-0538 0213-0557 0213-0599 0213-0654 0213-0705 0213-0709 0213-0716 0213-0752 0213-0755 0213-0771 0213-0839 0213-0864 0213-0867 0213-0878 0213-0881 0213-0920 0213-0928 0213-0973 0213-0999 0213-1032 0213-1040 0213-1046 0213-1059 0213-1071 0213-1138 0213-1152 0213-1343 0213-1388 0213-1392 0213-8264 0213-8457 0214-0546 0214-0791 0214-0859 0214-0870 0214-1133 0214-1315 0214-1338 0214-1360 0214-1372 0214-1412 0214-1428 0214-1434 0214-1442 0214-1445 0214-1446 0214-1469 0214-1482 0214-1493 0214-7303 0214-7309 0215-0201 0215-0203 0215-0204 0215-0206 0215-0209 0215-0210 0215-0211 0215-0213 0215-0215 0215-0218 0215-0220 0215-0222 0215-0223 0215-0226 0215-0228 0215-0230 0215-0234 0215-0238 0215-0266 0215-0272 0215-0273 0215-0275 0215-0279 0215-0280 0215-0291 0215-0293 0215-0294 0215-0297 0215-8266 0215-8269 0215-8270 0215-8271 0215-8273 0215-8274 0215-8275 0215-8278 0215-8280 0215-8282 0215-8283 0215-8285 0215-8286 0215-8287 0215-8290 0215-8291 0215-8293 0215-8294 0215-8295 0215-8296 0215-8297 0215-8298 0215-8300 0215-8302 0215-8303 0215-8310 0215-8311 0215-8313 0215-8314 0215-8315 0215-8319 0215-8321 0219-1382 0215-8324 0215-8327 0215-8333 0215-8334 0215-8335 0215-8336 0215-8337 0215-8338 0215-8350 0215-8353 0215-8357 0215-8359 0215-8364 0215-8365 0215-8377 0215-8414 0215-8416 0215-8417 0215-8421 0216-0605 0216-0606 0216-0611 0216-0621 0216-0658 0216-0667 0216-0669 0216-0674 0216-8378 0219-0244 0219-0247 0219-0647 0219-0680 0219-0731 0219-0797 0219-0827 0219-0852 0219-0930 0219-0934 0219-1083 0219-1134 0219-1136 0219-1139 0219-1241 0219-1292 0219-1362 0219-1363 0219-1365 0219-1386 0219-1407 0220-0004 0220-0086 0220-7269 0223-0268 0223-0278 0223-0293 0223-0403 0223-0461 0223-0577 0223-0625 0223-0652 0223-0678 0223-0681 0223-0684 0223-0696 0223-0760 0223-0782 0223-0922 0223-0923 0223-0935 0223-0961 0223-0968 0223-1012 0223-1042 0223-1111 0223-1302 0223-1402 0223-1433 0223-8353 0223-8375 0223-8398 0260-0021 0260-0112 0260-0128 0260-0142 0260-0146 0260-0159 0260-0184 0260-0189 0260-0205 0260-0255 0260-0256 0260-0261 0260-0275 0260-0279 0260-0284 0260-0292 0260-0295 0260-0302 0260-0324 0260-0326 0260-0327 0260-0335 0260-0355 0260-0378 0260-0404 0260-0409 0260-0422 0260-0429 0260-0430 0260-0462 0260-0472 0260-0480 0260-0482 0260-0486 0260-0532 0260-0541 0260-0548 0260-0561 0260-0590 0260-0591 0260-0600 0260-0623 0260-0744 0260-0768 0260-0777 0260-0780 0260-0792 0260-0799 0260-0804 0260-0807 0260-0824 0260-0834 0260-0843 0260-0853 0260-0855 0260-0865 0260-0875 0260-0877 0260-0880 0260-0886 0260-0890 0260-0912 Group 1(cont) 0260-0914 0260-0955 0260-0963 0260-0964 0260-0967 0260-0970 0260-0976 0260-0986 0260-1005 0260-1078 0260-1082 0260-1089 0260-1094 0260-1148 0260-1170 0260-1174 0260-1178 0260-1188 0260-1192 0260-1196 0260-1216 0260-1248 0260-1271 0260-1313 0260-1316 0260-1322 0260-1327 0260-1329 0260-1334 0260-1335 0260-1345 0260-1347 0260-1357 0260-1367 0260-1385 0260-1391 0260-1396 0260-1399 0260-1419 0260-1421 0260-1424 0260-1438 0260-1440 0260-1450 0260-1455 0260-1458 0260-1459 0260-1462 0260-1492 0260-7292 0260-7300 0260-7306 0260-7308 0260-8262 0260-8277 0260-8347 0260-8424 0260-8458 0260-8460 0260-8462 0280-0103 0310-0004 0311-0014 0311-0015 0311-0016 0311-0020 0311-0038 0311-0055 0311-0063 0311-0064 0311-0087 0311-0092 0311-0096 0311-0109 0311-0111 0311-0112 0311-0116 0311-0121 0311-0122 0311-0123 0311-0126 0311-0127 0311-0132 0311-7611 0311-7613 0312-0136 0312-0391 0312-0399 0312-0534 0312-0626 0312-0642 0312-0765 0312-0767 0312-0781 0312-0782 0312-0783 0312-0784 0312-0785 0312-0786 0312-0787 0312-0788 0312-0789 0312-0791 0312-0792 0312-0793 0312-0794 0312-0797 0312-7599 0312-7604 0312-7612 0312-8921 0313-0013 0313-0056 0313-0101 0313-0102 0313-0106 0313-0211 0313-0222 0313-0251 0313-0252 0313-0273 0313-0277 0313-0286 0313-0297 0313-0299 0313-0309 0313-0312 0313-0313 0313-0430 0313-0518 0313-0537 0313-0593 0313-0596 0313-0627 0313-0699 0313-0712 0313-0742 0313-0760 0313-0765 0313-0768 0313-0769 0313-0770 0313-0825 0313-0830 ExhibIs it F" 0313-0833 0313-0853 0313-0854 0313-0855 0313-0878 0313-0906 0313-0912 0313-0925 0313-0934 0313-0944 0313-0949 0313-0950 0313-0958 0313-0968 0313-0985 0313-0994 0313-1020 0313-1021 0313-1050 0313-1051 0313-1055 0313-1159 0313-1163 0313-1167 0313-1177 0313-1179 0313-1180 0313-1187 0313-1202 0313-1205 0313-1210 0313-1212 0313-1219 0313-1223 0313-1226 0313-1228 0313-1239 0313-1279 0313-1283 0313-1287 0313-1375 0313-1450 0313-1470 0313-1476 0313-1500 0313-1503 0313-1526 0313-1554 0313-1660 0313-1681 0313-1696 0313-1763 0313-1778 0313-1849 0313-1853 0313-1857 0313-1867 0313-1869 0313-1870 0313-1871 0313-1874 0313-1875 0313-1876 0313-1878 0313-1880 0313-1890 0313-1897 0313-1904 0313-1927 0313-1929 0313-1932 0313-7601 0313-7608 0313-7610 0319-0109 0319-0203 0319-0204 0319-0240 0319-0276 0319-0287 0319-0439 0319-0779 0319-0807 0319-1233 0319-1443 0319-1854 0319-1856 0319-1863 0319-1865 0319-1866 0319-1882 0319-1883 0319-1884 0319-1885 0319-1887 0319-1889 0319-1892 0319-1894 0319-1899 0319-1901 0319-1902 0319-1906 0319-1909 0319-1912 0319-7598 0319-7620 0319-7626 0360-0098 0360-0201 0360-0206 0360-0217 0360-0237 0360-0281 0360-1888 0360-1891 0360-1896 0360-7621 0360-8931 0410-0012 0410-0068 0410-0101 0410-0295 0410-3601 0410-3605 0410-5290 0412-0132 0412-0181 0412-0244 0412-0251 0412-0281 0412-0298 0412-0359 0412-0472 0412-0473 0412-0592 0412-0595 0412-0613 0412-0687 0412-0734 0412-0842 0412-0871 0412-0873 0412-0874 0412-0877 0412-0880 0412-0930 0412-0948 0412-0978 0412-1033 0412-1037 0412-1044 0412-1094 0412-1160 0412-1214 0412-1243 0412-1289 0412-1370 0412-1387 0412-1550 0412-1555 0412-1560 0412-1562 0412-1581 0412-1585 0412-5124 0412-7227 0420-1584 0420-7454 0421-0014 0421-0086 0421-0100 0421-0117 0421-0126 0421-0127 0421-0140 0421-0147 0421-0151 0421-0155 0421-0156 0421-0157 0421-0167 0421-0175 0421-0179 0421-0188 0421-0201 0421-0205 0421-0216 0421-0227 0421-0228 0421-0233 0421-0235 0421-0240 0421-0241 0421-0251 0421-0255 0421-0256 0421-0257 0421-0259 0421-0265 0421-0269 0421-0271 0421-0278 0421-0294 0421-0323 0421-0325 0421-0334 0421-0335 0421-0336 0421-0346 0421-0347 0421-0382 0421-0399 0421-0416 0421-0423 0421-0440 0421-0446 0421-0457 0421-0485 0421-0515 0421-0517 0421-0519 0421-0544 0421-0548 0421-0578 0421-0588 0421-0592 0421-0594 0421-0633 0421-0658 0421-0742 0421-0759 0421-0760 0421-0765 0421-0767 0421-0773 0421-0775 0421-0780 0421-0785 0421-0812 0421-0815 0421-0826 0421-0827 0421-0829 0421-0834 0421-0839 0421-0840 0421-0844 0421-0852 0421-7447 0421-7450 0421-7451 0421-7452 0421-7456 0422-0185 0422-0213 0422-0268 0422-0412 0422-0493 0422-0548 0422-0642 0422-0650 0422-0657 0422-0680 0422-0737 0422-0800 0422-0855 0422-1072 0422-1157 0422-1205 0422-1256 0422-1338 0422-1384 0422-1546 0422-1556 0422-1557 0423-1052 0423-1165 0430-0084 0430-1900 0432-0294 0432-0587 0432-0829 0432-0943 0432-1116 0433-0509 0433-0685 0433-0691 0433-0750 0433-0752 0433-0784 0433-0827 0433-0842 0433-0846 0433-0869 0433-0963 0433-0971 0433-1013 0433-1149 0433-1166 0433-1237 0433-1238 0433-1325 0433-1444 0433-1484 0433-1514 0433-1544 0433-1556 0433-1625 0433-1694 0433-1850 0433-1879 0433-1881 0434-0005 0434-0196 0434-0322 0434-0444 0434-0464 0434-8704 0440-0205 0440-0290 0440-1145 0440-1554 0440-1574 0440-1586 0440-7224 0440-7229 0440-7230 0440-7231 0440-7232 0440-7233 0440-8454 0441-0174 0441-0252 0441-0264 0441-0397 0441-0557 Group 1(cont) 0441-0581 0441-0638 0441-0639 0441-0760 0441-0777 0441-0807 0441-0933 0441-0941 0441-1155 0441-1248 0441-1471 0441-1576 0441-7228 0442-0103 0442-0207 0442-0246 0442-0437 0442-0514 0442-0647 0442-0787 0442-0851 0442-0893 0442-1006 0442-1191 0442-1213 0442-1226 0442-1292 0442-1389 0442-1552 0510-0501 0510-0550 0510-0882 0510-0,00191.9 0510-0936 0510-0964 0510-7403 0510-8542 0514-0104 0514-0115 0514-0121 0514-0207 0514-0214 0514-0220 0514-0223 0514-0237 0514-0251 0514-0255 0514-0258 0514-0283 0514-0293 0514-0295 0514-0296 0514-0297 0514-0298 0514-0304 0514-0346 0514-0358 0514-0364 0514-0367 0514-0371 0514-0376 0514-0377 0514-0381 0514-0385 0514-0393 0514-0395 0514-0400 0514-0404 0514-0416 0514-0423 0514-0432 0514-0438 0514-0446 0514-0454 0514-0460 0514-0464 0514-0468 0514-0469 0514-0484 0514-0490 0514-0491 0514-0493 0514-0509 0514-0511 0514-0518 0514-0527 0514-0532 0514-0539 0514-0540 0514-0543 0514-0544 0514-0545 0514-0547 0514-0549 0514-0551 0514-0552 Exhibit F" 0514-0567 0515-0132 0515-0442 0531-0045 0531-1241 0532-0213 0532-0817 0514-0573 0514-0690 0514-0729 0514-0883 0514-0889 0514-0890 0514-0891 0514-0892 0514-0893 0514-0894 0514-0901 0514-0906 0514-0907 0514-0908 0514-0910 0514-0913 0514-0914 0514-0915 0514-0916 0514-0917 0514-0918 0514-0920 0514-0921 0514-0922 0514-0930 0514-0932 0514-0940 0514-0941 0514-0956 0514-0957 0514-0960 0514-0962 0514-8531 0514-8543 0514-8544 0514-8552 0514-8565 0515-0048 0515-0052 0515-0060 0515-0096 0515-0103 0515-0113 0515-0115 0515-0116 0515-0121 0515-0125 0515-0135 0515-0144 0515-0145 0515-0154 0515-0164 0515-0167 0515-0172 0515-0176 0515-0177 0515-0181 0515-0182 0515-0187 0515-0208 0515-0214 0515-0215 0515-0217 0515-0220 0515-0228 0515-0229 0515-0231 0515-0239 0515-0243 0515-0247 0515-0248 0515-0249 0515-0252 0515-0259 0515-0262 0515-0264 0515-0266 0515-0274 0515-0285 0515-0288 0515-0291 0515-0305 0515-0310 0515-0314 0515-0316 0515-0321 0515-0332 0515-0349 0515-0355 0515-0390 0515-0429 0515-0431 0515-0437 0515-0438 0515-0443 0515-0445 0515-0448 0515-0449 0515-0450 0515-0453 0515-0459 0515-0460 0515-0462 0519-0039 0520-0063 0520-0077 0520-0177 0520-7351 0520-7356 0520-8025 0521-0046 0521-0054 0521-0069 0521-0074 0521-0093 0521-0098 0521-0101 0521-0166 0521-0193 0521-0195 0521-0222 0521-0251 0521-0290 0521-0306 0521-0359 0522-0192 0522-0193 0522-0222 0522-0304 0522-0370 0522-0400 0522-0435 0530-1066 0530-1208 0530-1219 0530-1226 0530-1258 0530-1264 0530-1276 0530-1283 0531-0030 0531-0072 0531-0128 0531-0134 0531-0168 0531-0211 0531-0281 0531-0364 0531-0486 0531-0505 0531-0593 0531-0679 0531-0730 0531-0764 0531-0987 0531-1037 0531-1063 0531-1115 0531-1157 0531-1167 0531-1169 0531-1170 0531-1181 0531-1183 0531-1192 0531-1198 0531-1203 0531-1204 0531-1205 0531-1207 0531-1209 0531-1211 0531-1213 0531-1214 0531-1215 0531-1220 0531-1221 0531-1222 0531-1223 0531-1224 0531-1227 0531-1231 0531-1232 0531-1233 0531-1235 0531-1237 0531-1238 0531-1240 0531-1242 0531-1243 0531-1245 0531-1246 0531-1247 0531-1248 0531-1249 0531-1250 0531-1252 0531-1253 0531-1255 0531-1256 0531-1257 0531-1261 0531-1263 0531-1265 0531-1266 0531-1267 0531-1268 0531-1270 0531-1271 0531-1273 0531-1275 0531-1277 0531-1278 0531-1279 0531-1280 0531-1284 0531-1286 0531-1288 0531-7404 0531-7405 0531-7410 0531-8550 0531-8561 0532-0050 0532-0066 0532-0098 0532-0103 0532-0174 0532-0182 0532-0185 0532-0186 0532-0195 0532-0198 0532-0206 0532-0211 0532-0220 0532-0224 0532-0228 0532-0230 0532-0231 0532-0232 0532-0235 0532-0259 0532-0287 0532-0321 0532-0428 0532-0548 0532-0665 0532-0669 0532-0673 0532-0674 0532-0678 0532-0687 0532-0689 0532-0696 0532-0705 0532-0710 0532-0711 0532-0712 0532-0716 0532-0721 0532-0733 0532-0737 0532-0739 0532-0761 0532-0790 0532-0793 0532-0794 0532-0796 0532-0797 0532-0798 0532-0800 0532-0802 0532-0803 0532-0804 0532-0805 0532-0806 0532-0807 0532-0809 0532-0810 0532-0815 0532-0816 0532-0819 0532-0826 0532-7398 0532-7409 0532-7411 0532-7413 0532-7415 0532-7422 0539-0119 0539-0587 0539-0604 0539-0808 0539-0818 0540-0005 0540-0132 0540-0151 0540-0153 0540-0155 0540-0160 0540-0162 0540-0164 0540-0168 0540-0169 0540-0171 0540-0174 0540-7363 0540-8021 0550-0125 0550-0171 0550-0215 0550-0236 0550-0240 0550-0250 0550-0257 0550-0272 0550-0299 0550-0313 0550-0321 0550-0329 0550-0333 0550-0334 0550-0336 0550-0339 0550-0340 0550-0341 0550-0345 0550-0348 0550-0356 0550-0358 0550-7344 0550-7353 0550-7358 0550-8029 0550-8041 0550-8043 0560-0315 0560-0317 0560-0444 0560-0462 0560-0507 0560-0514 0560-0516 0560-0525 0560-0536 0560-0537 0560-0678 0560-0884 0560-0887 0560-0888 0560-0896 0560-0903 0560-0923 0560-0924 0560-0935 0560-0947 0560-0950 0560-7349 0560-7361 0560-7365 0560-8012 0560-8034 0570-0069 0570-0141 0570-0197 0570-0468 0610-0366 0610-0378 0610-0481 0610-1022 0610-1950 0610-1967 0610-1974 0610-1977 0610-1997 0610-2019 Group 1(cont) 0610-2078 0610-2079 0610-2086 0610-2094 0610-2097 0610-9201 0610-9205 0610-9269 0610-9294 0611-0060 0611-0102 0611-0103 0611-0110 0611-0112 0611-0117 0611-0119 0611-0133 0611-0141 0611-0170 0611-0177 0611-0178 0611-0179 0611-0192 0611-0198 0611-0203 0611-0219 0611-0233 0611-0240 0611-0243 0611-0244 0611-0250 0611-0252 0611-0254 0611-0255 0611-0259 0611-0262 0611-0266 0611-0270 0611-0300 0611-0303 0611-0314 0611-0315 0611-0318 0611-0321 0611-0324 0611-0327 0611-0329 0611-0335 0611-0336 0611-0339 0611-0340 0611-0345 0611-0353 0611-0354 0611-0356 0611-0369 0611-0373 0611-0384 0611-0387 0611-0390 0611-0392 0611-0399 0611-0408 0611-0412 0611-0413 0611-0418 0611-0420 0611-0422 0611-0431 0611-0440 0611-0448 0611-0451 0611-0459 0611-0464 0611-0482 0611-0484 0611-0487 0611-0489 0611-0492 0611-0494 0611-0495 0611-0498 0611-0523 0611-0553 0611-0567 0611-0568 0611-0599 0611-0612 0611-0615 0611-0701 0611-0714 0611-0720 0611-0732 0611-0747 0611-0751 0611-0786 0611-0791 0611-0816 0611-1038 0611-1040 0611-1055 0611-1065 0611-1122 0611-1125 0611-1139 0611-1162 0611-1165 0611-1202 0611-1203 0611-1209 0611-1236 0611-1239 0611-1245 0611-1247 0611-1253 0611-1259 0611-1278 0611-1283 0611-1284 0611-1296 0611-1301 0611-1310 0611-1328 0611-1338 0611-1943 0611-1946 0611-1947 0611-1949 0611-1953 0611-1954 0611-1960 0611-1963 0611-1966 0611-1968 0611-1973 0611-1980 0611-1981 0611-1982 0611-1985 0611-1987 0611-1990 0611-1998 0611-2000 0611-2008 Exhibit "F" 0611-2012 0611-2015 0611-2017 0611-2018 0611-2020 0611-2021 0611-2022 0611-2023 0611-2024 0611-2025 0611-2027 0611-2029 0611-2033 0611-2034 0611-2038 0611-2039 0611-2042 0611-2043 0611-2045 0611-2047 0611-2049 0611-2050 0611-2051 0611-2052 0611-2053 0611-2054 0611-2056 0611-2057 0611-2058 0611-2062 0611-2063 0611-2064 0611-2067 0611-2068 0611-2073 0611-2077 0611-2080 0611-2081 0611-2082 0611-2083 0611-2088 0611-2089 0611-2095 0611-2098 0611-2100 0611-2102 0611-2104 0611-2105 0611-2107 0611-2109 0611-2110 0611-2112 0611-2113 0611-2115 0611-2116 0611-2118 0611-2124 0611-2126 0611-2134 0611-9143 0611-9149 0611-9170 0611-9193 0611-9240 0611-9242 0611-9248 0611-9251 0611-9274 0611-9275 0611-9283 0612-0104 0612-0123 0612-0159 0612-0167 0612-0175 0612-0185 0612-0186 0612-0197 0612-0202 0612-0237 0612-0238 0612-0241 0612-0245 0612-0253 0612-0257 0612-0267 0612-0268 0612-0275 0612-0293 0612-0294 0612-0295 0612-0325 0612-0332 0612-0333 0612-0337 0612-0347 0612-0355 0612-0364 0612-0365 0612-0375 0612-0377 0612-0405 0612-0419 0612-0438 0612-0446 0612-0458 0612-0461 0612-0463 0612-0465 0612-0470 0612-0473 0612-0485 0612-0490 0612-0491 0612-0497 0612-0525 0612-0527 0612-0584 0612-0593 0612-0601 0612-0642 0612-0643 0612-0645 0612-0668 0612-0681 0612-0684 0612-0689 0612-0698 0612-0783 0612-0812 0612-0815 0612-0833 0612-0933 0612-0955 0612-0961 0612-1054 0612-1063 0612-1096 0612-1098 0612-1116 0612-1117 0612-1130 0612-1131 0612-1134 0612-1142 0612-1143 0612-1144 0612-1147 0612-1172 0612-1180 0612-1187 0612-1193 0612-1196 0612-1199 0612-1200 0612-1205 0612-1217 0612-1223 0612-1224 0612-1225 0612-1227 0612-1238 0612-1242 0612-1251 0612-1268 0612-1272 0612-1281 0612-1282 0612-1286 0612-1298 0612-1300 0612-1304 0612-1306 0612-1315 0612-1316 0612-1324 0612-1957 0612-1958 0612-1969 0612-1983 0612-1989 0612-2004 0612-2013 0612-2014 0612-2028 0612-2035 0612-2041 0612-2044 0612-2048 0612-2059 0612-2065 0612-2075 0612-2131 0612-9145 0612-9173 0612-9243 0613-0334 0613-0436 0613-0859 0613-0893 0613-0922 0620-0011 0620-0120 0620-0360 0620-0633 0620-0635 0620-0638 0620-0649 0620-0650 0620-0670 0620-0671 0621-0103 0621-0121 0621-0125 0621-0126 0621-0145 0621-0158 0621-0188 0621-0193 0621-0203 0621-0209 0621-0221 0621-0239 0621-0244 0621-0259 0621-0271 0621-0272 0621-0284 0621-0316 0621-0321 0621-0325 0621-0345 0621-0348 0621-0359 0621-0376 0621-0386 0621-0390 0621-0404 0621-0407 0621-0420 0621-0427 0621-0429 0621-0439 0621-0452 0621-0465 0621-0524 0621-0533 0621-0549 0621-0552 0621-0562 0621-0571 0621-0572 0621-0577 0621-0578 0621-0598 0621-0603 0621-0612 0621-0625 0621-0652 0621-0663 0622-0044 0622-0048 0622-0104 0622-0109 0622-0110 0622-0127 0622-0134 0622-0144 0622-0153 0622-0159 0622-0163 0622-0164 0622-0170 0622-0172 0622-0177 0622-0184 0622-0199 0622-0208 0622-0211 0622-0214 0622-0219 0622-0220 0622-0225 0622-0234 0622-0247 0622-0257 0622-0269 0622-0274 0622-0285 0622-0291 0622-0298 0622-0301 0622-0307 0622-0323 0622-0326 0622-0328 0622-0329 0622-0330 0622-0333 0622-0339 0622-0351 0622-0357 0622-0363 0622-0367 0622-0370 0622-0371 0622-0381 0622-0385 0622-0387 0622-0389 0622-0391 0622-0393 0622-0394 0622-0395 0622-0396 0622-0399 0622-0400 0622-0402 0622-0410 0622-0412 0622-0413 0622-0415 0622-0417 0622-0423 0622-0434 0622-0456 0622-0462 0622-0480 0622-0503 0622-0513 0622-0559 0622-0561 0622-0563 0622-0566 0622-0570 0622-0573 Group i (cont) 0622-0579 0622-0583 0622-0584 0622-0593 0622-0611 0622-0613 0622-0627 0622-0629 0622-0630 0622-0634 0622-0637 0622-0639 0622-0643 0622-0644 0622-0645 0622-0646 0622-0647 0622-0648 0622-0651 0622-0654 0622-0656 0622-0658 0622-0659 0622-0662 0622-0664 0622-0669 0622-0673 0622-9278 0630-0021 0630-0022 0630-0562 0630-1359 0630-1449 0630-1504 0630-1553 0630-1556 0630-1583 0630-9211 0630-9247 0631-0064 0631-0111 0631-0145 0631-0220 0631-0278 0631-0340 0631-0431 0631-0462 0631-0492 0631-0551 0631-0554 0631-0557 0631-0565 0631-0570 0631-0598 0631-0635 0631-0670 0631-0673 0631-0751 0631-0756 0631-0762 0631-0868 0631-0873 0631-0962 0631-0970 0631-0992 0631-0996 0631-1052 0631-1079 0631-1123 0631-1167 0631-1178 0631-1214 0631-1215 0631-1230 0631-1236 0631-1262 0631-1272 0631-1290 0631-1299 0631-1304 0631-1309 0631-1311 0631-1313 0631-1314 0631-1316 0631-1321 0631-1344 0631-1346 0631-1352 0631-1355 0631-1380 0631-1381 0631-1382 0631-1387 0631-1393 0631-1400 0631-1403 0631-1410 0631-1416 0631-1422 0631-1426 0631-1427 0631-1428 0631-1436 0631-1438 0631-1442 0631-1450 0631-1451 0631-1453 0631-1454 0631-1456 0631-1460 0631-1462 0631-1463 0631-1464 0631-1466 0631-1469 0631-1470 0631-1474 0631-1478 0631-1479 0631-1483 0631-1484 0631-1486 0631-1487 0631-1489 0631-1491 0631-1492 0631-1497 0631-1500 0631-1502 0631-1503 0631-1506 0631-1513 0631-1514 0631-1515 0631-1529 0631-1536 0631-1537 0631-1540 0631-1542 0631-1543 0631-1549 0631-1550 bi Exhit it F it 0631-1559 0631-1562 0631-1566 0631-1567 0631-1568 0631-1569 0631-1574 0631-1575 0631-1578 0631-1580 0631-1588 0631-1589 0631-1591 0631-1595 0631-1596 0631-1600 0631-1602 0631-1607 0631-1608 0631-1612 0631-1614 0631-1616 0631-1617 0631-1620 0631-1622 0631-1626 0631-1627 0631-1628 0631-1629 0631-1637 0631-1640 0631-1641 0631-1642 0631-1648 0631-1650 0631-1651 0631-1661 0631-1667 0631-1673 0631-1675 0631-9174 0631-9191 0631-9195 0631-9212 0631-9219 0631-9221 0631-9226 0631-9245 0631-9246 0631-9287 0632-0092 0632-0143, 0632-0187 0632-0373 0632-0474 0632-0521 0632-0545 0632-0592 0632-0613 0632-0620 0632-0814 0632-0882 0632-0950 0632-0966 0632-1100 0632-1162 0632-1172 0632-1263 0632-1265 0632-1298 0632-1431 0632-1548 0632-1555 0632-1584 0632-1590 0632-1606 0632-1618 0632-1630 0632-1654 0632-9249 0632-9253 0632-9285 0640-0018 0640-0026 0640-0388 0640-0418 0640-0861 0640-0863 0640-0891 0640-0924 0640-0938 0641-0119 0641-0120 0641-0123 0641-0129 0641-0130 0641-0148 0641-0158 0641-0166 0641-0192 0641-0207 0641-0237 0641-0243 0641-0273 0641-0274 0641-0294 0641-0295 0641-0299 0641-0309 0641-0310 0641-0322 0641-0336 0641-0341 0641-0352 0641-0353 0641-0367 0641-0369 0641-0391 0641-0403 0641-0405 0641-0416 0641-0417 0641-0420 0641-0431 0641-0437 0641-0488 0641-0491 0641-0533 0641-0566 0641-0573 0641-0581 0641-0589 0641-0628 0641-0677 0641-0709 0641-0762 0641-0772 0641-0784 0641-0799 0641-0823 0641-0834 0641-0844 0641-0852 0641-0854 0641-0855 0641-0860 0641-0862 0641-0864 0641-0865 0641-0866 0641-0868 0641-0871 0641-0874 0641-0878 0641-0879 0641-0883 0641-0886 0641-0888 0641-0892 0641-0896 0641-0902 0641-0903 0641-0904 0641-0905 0641-0907 0641-0908 0641-0910 0641-0916 0641-0932 0641-0935 0641-0936 0642-0112 0642-0124 0642-0161 0642-0184 0642-0196 0642-0225 0642-0226 0642-0250 0642-0251 0642-0268 0642-0270 0642-0276 0642-0282 0642-0284 0642-0286 0642-0287 0642-0298 0642-0302 0642-0351 0642-0397 0642-0407 0642-0425 0652-0086 0642-0430 0642-0440 0642-0444 0642-0470 0642-0477 0642-0508 0642-0538 0642-0603 0642-0642 0642-0659 0642-0716 0642-0801 0642-0812 0642-0830 0642-0832 0642-0839 0642-0843 0642-0845 0642-0847 0642-0851 0642-0872 0642-0876 0642-0880 0642-0884 0642-0918 0642-0920 0642-0921 0642-0929 0642-0945 0650-0017 0650-0073 0650-0210 0650-0359 0650-0543 0651-0283 0651-0324 0651-0361 0651-0362 0651-0365 0651-0388 0651-0411 0651-0632 0651-0636 0651-0640 0651-0661 0651-0668 0652-0072 0652-0125 0652-0138 0652-0144 0652-0158 0652-0161 0652-0180 0652-0208 0652-0260 0652-0269 0652-0295 0652-0297 0652-0300 0652-0303 0652-0309 0652-0314 0652-0322 0652-0372 0652-0439 0652-0444 0652-0447 0652-0451 0652-0489 0652-0497 0652-0512 0652-0518 0652-0521 0652-0554 0653-0027 0653-0040 0653-0048 0653-0070 0653-0079 0653-0106 0653-0128 0653-0154 0653-0156 0653-0165 0653-0168 0653-0185 0653-0188 0653-0199 0653-0219 0653-0235 0653-0246 0653-0250 0653-0263 0653-0289 0653-0305 0653-0312 0653-0329 0653-0331 0653-0332 0653-0336 0653-0338 0653-0346 0653-0377 0653-0378 0653-0392 0653-0438 0653-0442 0653-0474 0653-0515 0653-0532 0653-0586 0653-0606 0653-0609 0653-0611 0653-0614 0653-0618 0653-0619 0653-0620 0653-8251 0653-8262 0654-0015 0654-0045 0654-0108 0654-0110 0654-0141 0654-0150 0654-0164 0654-0229 0654-0291 0654-0310 0654-0311 0654-0338 0654-0340 0654-0354 0654-0358 0654-0415 0654-0425 0654-0434 0654-0435 0654-0438 0654-0449 0654-0454 Group 1(cont) 0654-0456 0654-0506 0654-0514 0654-0519 0654-0522 0654-0524 0654-0536 0654-0538 0654-0542 0654-0552 0655-0075 0655-0135 0655-0260 0655-0334 0655-0368 0655-0587 0655-0633 0660-0436 0660-0460 0660-0634 0660-0772 0660-0800 0660-0902 0660-0915 0660-0965 0660-1035 0660-1049 0660-1059 0660-1067 0660-1069 0660-1072 0660-1086 0660-1135 0660-1138 0660-1139 0660-1154 0660-1156 0660-1220 0660-1233 0660-1286 0660-1398 0660-1406 0660-1415 0660-1472 0660-1495 0660-1508 0660-1518 0660-1521 0660-1544 0660-1576 0660-1605 0660-1671 0670-0043 0670-0124 0670-0127 0670-0169 0670-0253 0670-0377 0670-0392 0670-0514 0670-0587 0670-0632 0670-0676 0670-0677 0670-0715 0670-0747 0670-0795 0670-0815 0670-0899 0670-0904 0670-0928 0670-0964 0670-0978 0670-1026 0670-1050 0670-1051 0670-1063 0670-1129 0670-1145 0670-1169 0670-1171 0670-1176 0670-1181 0670-1182 0670-1197 0670-1199 0670-1205 0670-1217 0670-1241 0670-1247 0670-1248 0670-1256 0670-1281 0670-1292 0670-1317 0670-1324 0670-1383 0670-1385 0670-1407 0670-1411 0670-1419 0670-1429 0670-1430 0670-1434 0670-1437 0670-1443 0670-1446 0670-1459 0670-1461 0670-1467 0670-1468 0670-1471 0670-1473 0670-1476 0670-1485 0670-1496 0670-1498 0670-1501 0670-1516 0670-1520 0670-1523 0670-1525 0670-1527 0670-1531 0670-1532 0670-1535 0670-1539 0670-1554 0670-1560 0670-1564 0670-1565 0670-1572 0670-1577 0670-1579 0670-1586 0670-1592 0670-1594 0670-1597 0670-1598 0670-1599 0670-1604 0670-1611 0670-1619 0670-1623 Exhibit it F it 0670-1624 0670-1625 0670-1631 0670-1632 0670-1635 0670-1638 0670-1655 0670-1659 0670-1665 0670-9176 0670-9194 0670-9203 0670-9206 0670-9220 0670-9231 0670-9255 0670-9264 0670-9288 0670-9291 0710-0034 0710-0080 0710-0112 0710-0118 0710-0121 0710-0126 0710-0136 0710-0144 0710-0146 0710-0148 0710-0153 0710-0158 0710-0168 0710-0202 0710-0209 0710-0215 0710-0225 0710-0228 0710-0234 0710-0241 0710-0242 0710-0291 0710-0294 0710-0300 0710-0340 0710-0402 0710-0427 0710-0436 0710-0442 0710-0444 0710-0454 0710-0516 0710-0525 0710-0597 0710-0628 0710-0665 0710-0677 0710-0686 0710-2562 0710-2564 0710-2566 0710-2577 0710-2584 0710-2635 0710-2638 0710-2640 0710-2649 0710-2657 0710-2662 0710-2683 0710-2684 0710-2710 0710-9331 0711-0011 0711-0085 0711-0217 0711-0219 0711-0223 0711-0250 0711-0282 0711-0283 0711-0337 0711-0338 0711-0363 0711-0394 0711-0395 0711-0442 0711-0464 0711-0473 0711-0515 0711-0547 0711-0553 0711-0558 0711-0575 0711-0579 0711-0586 0711-0604 0711-0606 0711-0625 0711-0668 0711-0712 0711-0722 0711-0723 0711-0725 0711-0735 0711-0745 0711-0756 0711-0780 0711-0798 0711-0803 0711-0830 0711-0831 0711-0835 0711-0840 0711-0844 0711-0845 0711-0874 0711-0876 0711-0883 0711-0908 0711-0916 0711-0918 0711-0932 0711-0933 0711-0946 0711-0968 0711-0975 0711-0989 0711-1014 0711-1036 0711-1047 0711-1071 0711-1081 0711-1131 0711-1139 0711-1198 0711-1203 0711-1206 0711-1217 0711-1220 0711-1226 0711-1256 0711-1266 0711-1304 0711-1318 0711-1329 0711-1347 0711-1352 0711-1379 0711-1408 0711-1425 0711-1449 0711-1456 0711-1476 0711-1493 0711-1501 0711-1515 0711-1532 0711-1572 0711-1599 0711-1606 0711-1610 0711-1629 0711-1637 0711-1667 0711-1718 0711-1817 0711-1822 0711-1827 0711-1847 0711-1919 0711-1923 0711-1951 0711-1952 0711-1986 0711-2020 0711-2025 0711-2119 0711-2159 0711-2160 0711-2171 0711-2172 0711-2177 0711-2180 0711-2186 0711-2196 0711-2220 0711-2241 0711-2246 0711-2256 0711-2264 0711-2320 0711-2326 0711-2352 0711-2373 0711-2399 0711-2403 0711-2433 0711-2437 0711-2474 0711-2482 0711-2502 0711-2594 0711-2620 0711-2648 0711-7451 0712-0132 0712-0275 0712-0585 0712-1212 0712-1424 0712-1433 0712-2087 0719-0078 0719-0099 0719-0115 0719-0181 0719-0194 0719-0203 0719-0204 0719-0239 0719-0392 0719-0429 0719-0448 0719-0530 0719-0581 0719-0593 0719-0594 0719-0664 0719-0806 0719-0816 0719-0904 0719-0906 0719-0930 0719-1127 0719-1170 0719-1397 0719-1413 0719-1435 0719-1854 0719-1876 0719-1912 0719-2013 0719-2030 0719-2095 0719-2124 0719-2152 0719-2166 0719-2170 0719-2174 0719-2189 0719-2198 0719-2201 0719-2211 0719-2217 0719-2218 0719-2233 0719-2236 0719-2263 0719-2304 0719-2333 0719-2334 0719-2337 0719-2356 0719-2375 0719-2381 0719-2382 0719-2395 0719-2408 0719-2413 0719-2416 0719-2421 0719-2424 0719-2430 0719-2431 0719-2439 0719-2445 0719-2468 0719-2477 0719-2487 0719-2492 0719-2501 0719-2517 0719-2530 0719-2535 0719-2537 0719-2538 0719-2539 0719-2543 0719-2544 0719-2545 0719-2546 0719-2550 0719-2552 0719-2553 0719-2554 0719-2563 0719-2565 0719-2567 0719-2568 0719-2569 0719-2571 0719-2575 0719-2578 0719-2582 0719-2588 0719-2596 0719-2598 0719-2599 0719-2601 0719-2604 0719-2605 0719-2606 0719-2608 0719-2615 0719-2618 0719-2619 0719-2621 0719-2628 0719-2632 0719-2633 0719-2636 0719-2643 0719-2644 0719-2645 0719-2646 0719-2647 0719-2655 0719-2658 0719-2663 0719-2665 0719-2667 0719-2672 0719-2673 0719-2678 0719-2685 0719-2686 Group 1(cont) 0719-2698 0719-2700 0719-7446 0719-7447 0719-7450 0719-9316 0719-9321 0719-9327 0720-0107 0720-1391 0720-1421 0724-0033 0724-0052 0724-0085 0724-0151 0724-0153 0724-0170 0724-0178 0724-0207 0724-0215 0724-0228 0724-0261 0724-0266 0724-0286 0724-0304 0724-0321 0724-0340 0724-0367 0724-0397 0724-0399 0724-0405 0724-0414 0724-0419 0724-0432 0724-0433 0724-0448 0724-0450 0724-0465 0724-0475 0724-0486 0724-0488 0724-0494 0724-0497 0724-0499 0724-0520 0724-0544 0724-0562 0724-0568 0724-0677 0724-0697 0724-0708 0724-0711 0724-0749 0724-0774 0724-0827 0724-0829 0724-0880 0724-0889 0724-1001 0724-1019 0724-1034 0724-1090 0724-1092 0724-1102 0724-1143 0724-1203 0724-1243 0724-1310 0724-1322 0724-1342 0724-1345 0724-1355 0724-1358 0724-1359 0724-1361 0724-1362 0724-1365 0724-1368 0724-1370 0724-1371 0724-1374 0724-1376 0724-1377 0724-1378 0724-1379 0724-1381 0724-1382 0724-1383 0724-1385 0724-1390 0724-1392 0724-1393 0724-1397 0724-1399 0724-1400 0724-1401 Exhibit "F" 0724-1402 0739-0500 0739-1860 0739-8314 0749-1286 0759-1261 0810-1940 0812-1564 0724-1405 0724-1406 0724-1407 0724-1412 0724-1413 0724-1415 0724-1416 0724-1417 0724-1418 0724-1419 0724-1422 0724-1423 0724-1424 0724-1431 0724-1437 0724-1439 0724-7195 0724-8678 0724-8684 0730-0072 0730-2269 0739-0010 0739-0018 0739-0044 0739-0052 0739-0073 0739-0080 0739-0097 0739-0128 0739-0130 0739-0147 0739-0160 0739-0186 0739-0196 0739-0197 0739-0228 0739-0229 0739-0231 0739-0234 0739-0254 0739-0290 0739-0336 0739-0350 0739-0352 0739-0453 0739-0489 0739-0493 0739-0518 0739-0541 0739-0556 0739-0571 0739-0587 0739-0604 0739-0613 0739-0616 0739-0633 0739-0709 0739-0712 0739-0733 0739-0738 0739-0750 0739-0775 0739-0782 0739-0785 0739-0804 0739-0827 0739-0851 0739-0876 0739-0901 0739-0962 0739-1009 0739-1106 0739-1151 0739-1158 0739-1187 0739-1319 0739-1342 0739-1346 0739-1395 0739-1428 0739-1436 0739-1455 0739-1482 0739-1496 0739-1539 0739-1545 0739-1552 0739-1565 0739-1578 0739-1584 0739-1636 0739-1647 0739-1764 0739-1788 0739-1885 0739-1928 0739-1991 0739-2028 0739-2045 0739-2046 0739-2053 0739-2055 0739-2070 0739-2076 0739-2091 0739-2099 0739-2100 0739-2104 0739-2114 0739-2118 0739-2122 0739-2132 0739-2142 0739-2143 0739-2152 0739-2156 0739-2167 0739-2180 0739-2184 0739-2186 0739-2191 0739-2195 0739-2209 0739-2235 0739-2242 0739-2247 0739-2249 0739-2254 0739-2272 0739-2273 0739-2274 0739-2277 0739-2279 0739-2290 0739-2291 0739-2293 0739-2300 0739-7207 0739-7208 0739-7218 0739-8312 0739-8317 0739-8320 0740-0103 0740-1418 0740-1442 0740-1443 0749-0035 0749-0221 0749-0222 0749-0250 0749-0354 0749-0367 0749-0380 0749-0415 0749-0435 0749-0436 0749-0453 0749-0464 0749-0495 0749-0517 0749-0522 0749-0538 0749-0550 0749-0605 0749-0609 0749-0621 0749-0634 0749-0712 0749-0741 0749-0763 0749-0813 0749-0830 0749-0851 0749-0892 0749-0893 0749-0911 0749-0915 0749-0921 0749-0947 0749-0998 0749-1008 0749-1012 0749-1113 0749-1121 0749-1230 0749-1234 0749-1278 0749-1327 0749-1331 0749-1332 0749-1385 0749-1406 0749-1427 0749-1431 0749-1440 0749-8680 0750-0066 0750-0072 0750-1193 0750-1266 0750-1785 0750-7215 0750-7219 0759-0113 0759-0197 0759-0256 0759-0317 0759-0350 0759-0410 0759-0411 0759-0418 0759-0437 0759-0459 0759-0477 0759-0485 0759-0487 0759-0503 0759-0525 0759-0578 0759-0612 0759-0630 0759-0646 0759-0694 0759-0697 0759-0749 0759-0794 0759-0800 0759-0802 0759-0937 0759-0958 0759-1040 0759-1201 0759-1228 0759-1247 0759-1267 0759-1281 0759-1284 0759-1285 0759-1286 0759-1782 0759-1784 0759-1786 0759-1787 0759-1788 0759-1790 0759-1791 0759-1793 0759-1796 0759-1800 0759-1801 0759-1803 0759-1809 0759-1828 0759-1831 0759-1835 0759-1842 0759-7213 0759-7220 0810-0005 0810-0016 0810-0052 0810-0056 0810-0060 0810-0099 0810-0107 0810-0143 0810-0460 0810-0579 0810-0616 0810-0620 0810-0634 0810-1553 0810-1734 0810-1747 0810-1757 0810-1771 0810-1895 0810-1897 0810-1913 0810-1922 0810-1923 0810-2301 0810-2457 0810-2511 0810-2536 0810-2654 0810-7449 0810-8667 0810-8670 0810-8674 0812-0052 0812-0053 0812-0054 0812-0057 0812-0058 0812-0100 0812-0169 0812-0286 0812-0412 0812-0414 0812-0428 0812-0454 0812-0485 0812-0510 0812-0511 0812-0513 0812-0522 0812-0526 0812-0545 0812-0572 0812-0632 0812-0637 0812-0649 0812-0696 0812-0706 0812-0868 0812-0892 0812-0998 0812-1031 0812-1130 0812-1166 0812-1224 0812-1261 0812-1275 0812-1307 0812-1328 0812-1383 0812-1417 0812-1617 0812-1624 0812-1791 0812-1853 0812-1910 0812-1953 0812-2007 0812-2050 0812-2053 0812-2154 0812-2213 0812-2243 0812-2279 0812-2412 0812-2472 0812-2580 0812-2597 0812-2629 0812-2642 0812-2705 0812-2707 0812-2712 0813-0263 0813-0392 0813-0461 0813-0722 0813-0738 0813-0800 0813-0816 0815-0047 0815-0048 0815-0086 0815-0104 0815-0134 0815-0135 0815-0149 0815-0173 0815-0180 0815-0200 0815-0309 0815-0310 0815-0349 0815-0391 0815-0417 0815-0426 0815-0441 0815-0465 Group 1(cont) 0815-0483 0815-0538 0815-0549 0815-0570 0815-0573 0815-0596 0815-0604 0815-0631 0815-0635 0815-0639 0815-0664 0815-0683 0815-0701 0815-0723 0815-0742 0815-0885 0815-0907 0815-0973 0815-1240 0815-1312 0815-1357 0815-1393 0815-1401 0815-1405 0815-1546 0815-1661 0815-1687 0815-1767 0815-1772 0815-1776 0815-1793 0815-1798 0815-1801 0815-1804 0815-1809 0815-1822 0815-1852 0815-1863 0815-1900 0815-1921 0815-1924 0815-1930 0815-1936 0815-7440 0815-8663 0819-0195 0819-0352 0819-0353 0819-0354 0819-0371 0819-0401 0819-0408 0819-0446 0819-0466 0819-0506 0819-0530 0819-0533 0819-0534 0819-0600 0819-0601 0819-0650 0819-0789 0819-0827 0819-0900 0819-0914 0819-1043 0819-1237 0819-1315 0819-1341 0819-1355 0819-1386 0819-1477 0819-1481 0819-1583 0819-1673 0819-1988 0819-2280 0819-2345 0820-0117 0820-0152 0820-0168 0820-0170 0820-0178 0820-0767 0820-0783 0820-0873 0820-0892 0829-0087 0829-0103 0829-0108 0829-0109 0829-0120 0829-0127 0829-0133 0829-0138 0829-0142 0829-0149 0829-0161 0829-0172 0829-0174 0829-0179 0829-0186 0829-0187 0829-0195 0829-0200 0829-0207 0829-0213 0829-0246 0829-0251 0829-0256 0829-0263 0829-0269 0829-0275 0829-0304 0829-0310 0829-0334 0829-0342 0829-0343 0829-0349 0829-0383 0829-0385 0829-0403 0829-0408 0829-0416 0829-0428 0829-0430 0829-0436 0829-0437 0829-0468 0829-0506 0829-0513 0829-0518 0829-0534 0829-0572 0829-0585 0829-0598 0829-0608 0829-0654 0829-0673 0829-0686 0829-0700 0829-0701 0829-0706 0829-0720 Exhibit "F" 0829-0727 0829-0738 0829-0749 0829-0752 0829-0753 0829-0755 0829-0756 0829-0771 0829-0773 0829-0775 0829-0870 0829-0872 0829-0875 0829-0877 0829-0878 0829-0880 0829-0881 0829-0882 0829-0886 0829-0888 0829-0889 0829-7433 0829-7443 0830-0056 0830-0072 0830-0217 0830-0252 0830-0253 0830-0822 0830-0850 0830-0865 0830-1402 0839-0009 0839-0040 0839-0052 0839-0108 0839-0110 0839-0111 0839-0118 0839-0120 0839-0121 0839-0133 0839-0141 0839-0153 0839-0161 0839-0169 0839-0170 0839-0172 0839-0176 0839-0193 0839-0204 0839-0206 0839-0218 0839-0219 0839-0224 0839-0230 0839-0238 0839-0243 0839-0244 0839-0245 0839-0246 0839-0250 0839-0262 0839-0263 0839-0264 0839-0272 0839-0301 0839-0305 0839-0306 0839-0308 0839-0309 0839-0310 0839-0319 0839-0338 0839-0342 0839-0345 0839-0356 0839-0358 0839-0364 0839-0366 0839-0369 0839-0371 0839-0372 0839-0374 0839-0388 0839-0409 0839-0418 0839-0431 0839-0450 0839-0456 0839-0458 0839-0463 0839-0466 0839-0497 0839-0508 0839-0513 0839-0520 0839-0521 0839-0525 0839-0532 0839-0534 0839-0545 0839-0550 0839-0554 0839-0563 0839-0565 0839-0568 0839-0570 0839-0589 0839-0590 0839-0622 0839-0638 0839-0666 0839-0668 0839-0670 0839-0688 0839-0705 0839-0732 0839-0738 0839-0756 0839-0757 0839-0772 0839-0788 0839-0792 0839-0795 0839-0798 0839-0804 0839-0807 0839-0813 0839-0817 0839-0818 0839-0828 0839-0830 0839-0831 0839-0832 0839-0833 0839-0835 0839-0838 0839-0843 0839-0853 0839-0860 0839-1239 0839-1401 0839-1423 0839-7437 0839-7441 0840-0092 0840-0114 0840-0232 0840-0278 0840-0315 0840-0365 0840-0390 0840-0399 0840-0605 0840-0623 0840-0672 0840-0802 0840-0835 0840-0842 0840-0846 0840-0853 0840-0864 0840-0881 0840-0882 0840-0884 0840-0894 0840-0911 0840-7439 0841-0063 0841-0065 0841-0079 0841-0085 0841-0105 0841-0261 0841-0297 0841-0488 0841-0602 0841-0622 0841-0698 0841-0734 0841-0871 0842-0098 0842-0113 0842-0144 0842-0175 0842-0182 0842-0189 0842-0223 0842-0236 0842-0274 0842-0275 0842-0359 0842-0430 0842-0545 0842-0566 0842-0570 0842-0572 0842-0573 0842-0604 0842-0612 0842-0616 0842-0617 0843-0104 0843-0110 0843-0131 0843-0147 0843-0151 0843-0176 0843-0211 0843-0212 0843-0218 0843-0223 0843-0224 0843-0230 0843-0231 0843-0233 0843-0245 0843-0269 0843-0292 0843-0300 0843-0301 0843-0308 0843-0311 0843-0318 0843-0323 0843-0330 0843-0333 0843-0354 0843-0363 0843-0380 0843-0385 0843-0401 0843-0411 0843-0423 0843-0427 0843-0433 0843-0438 0843-0442 0843-0443 0843-0457 0843-0479 0843-0496 0843-0502 0843-0679 0843-0703 0843-0776 0843-0779 0843-0796 0843-0800 0843-0803 0843-0837 0843-0840 0843-0873 0843-0901 0863-1436 0863-1446 0865-0063 0865-0432 0865-0554 0865-0625 0865-0679 0865-0718 0865-1876 0865-1915 0865-1942 0910-0114 0910-0530 0910-0533 0910-0580 0910-0583 0910-0829 0910-1426 0910-1492 0910-1656 0910-1699 0910-1706 0910-1713 0910-1717 0910-1719 0910-1724 0910-1730 0910-1753 0910-1754 0910-1755 0910-7160 0911-0127 0912-0059 0912-0073 0912-0123 0912-0128 0912-0175 0912-0181 0912-0191 0912-0220 0912-0223 0912-0232 0912-0233 0912-0288 0912-0310 0912-0319 0912-0339 0912-0354 0912-0425 0912-0452 0912-0456 0912-0463 0912-0468 0912-0506 0912-0508 0912-0510 0912-0555 0912-0567 0912-0588 0912-0622 0912-0654 0912-0664 0912-0679 0912-0696 0912-0706 0912-0753 0912-0783 0912-0953 0912-0963 0912-0975 0912-0979 0912-0993 0912-1074 0912-1099 0912-1117 0912-1147 0912-1222 0912-1303 0912-1331 0912-1356 0912-1367 Group 1(cont) 0912-1383 0912-1461 0912-1488 0912-1496 0912-1543 0912-1558 0912-1581 0912-1588 0912-1614 0912-1638 0912-1655 0912-1707 0912-1720 0912-1722 0912-1838 0912-8177 0913-0088 0913-0113 0913-0164 0913-0175 0913-0271 0913-0276 0913-0278 0913-0313 0913-0385 0913-0463 0913-0610 0913-0613 0913-0664 0913-1052 0913-1075 0913-1086 0913-1111 0914-0002 0914-0048 0914-0052 0914-0060 0914-0075 0914-0086 0914-0115 0914-0164 0914-0201 0914-0232 0914-0287 0914-0290 0914-0383 0914-0412 0914-0446 0914-0612 0914-0666 0914-0683 0914-0697 0914-0725 0914-0773 0914-0816 0914-0824 0914-0844 0914-0858 0914-0867 0914-0873 0914-0890 0914-0918 0914-0945 0914-0957 0914-0961 0914-0964 0914-0965 0914-0966 0914-0973 0914-8178 0915-0297 0915-1059 0918-0002 0918-0009 0918-0287 0918-0381 0918-0388 0918-0455 0918-0560 0918-0568 0918-0637 0918-0725 0918-0836 0918-0925 0918-0952 0918-1005 0918-1196 0918-1243 0918-1804 0918-1825 0919-0010 0919-0011 0919-0019 0919-0053 0919-0055 0919-0094 0919-0119 0919-0120 0919-0121 0919-0148 0919-0150 0919-0170 0919-0186 0919-0189 0919-0206 0919-0235 0919-0261 0919-0266 0919-0270 0919-0284 0919-0305 0919-0331 0919-0340 0919-0343 0919-0346 0919-0360 0919-0366 0919-0369 0919-0384 0919-0461 0919-0485 0919-0490 0919-0496 0919-0511 0919-0513 0919-0524 0919-0529 0919-0534 0919-0564 0919-0566 0919-0568 0919-0574 0919-0650 0919-0673 0919-0683 0919-0712 0919-0723 0919-0772 0919-0780 0919-0802 0919-0831 0919-0841 0919-0870 0919-0888 Exhibit F" 0919-0898 0919-0917 0919-1019 0919-1087 0919-1321 0919-1345 0919-1360 0919-1368 0919-1428 0919-1437 0919-1456 0919-1471 0919-1531 0919-1567 0919-1575 0919-1577 0919-1579 0919-1584 0919-1618 0919-1637 0919-1652 0919-1654 0919-1672 0919-1683 0919-1694 0919-1696 0919-1702 0919-1716 0919-1725 0919-1726 0919-1727 0919-1735 0919-1737 0919-1751 0919-1837 0919-8180 0920-0104 0920-0167 0920-0541 0921-0100 0921-0103 0921-0108 0921-0136 0921-0160 0921-0515 0921-0522 0929-0041 0929-0048 0929-0057 0929-0061 0929-0065 0929-0082 0929-0086 0929-0091 0929-0095 0929-0098 0929-0111 0929-0114 0929-0122 0929-0127 0929-0134 0929-0143 0929-0147 0929-0154 0929-0156 0929-0161 0929-0162 0929-0163 0929-0164 0929-0168 0929-0170 0929-0180 0929-0213 0929-0219 0929-0227 0929-0239 0929-0244 0929-0327 0929-0418 0929-0457 0929-0476 0929-0514 0929-0518 0929-0521 0929-0524 0929-0525 0929-0543 0929-0544 0929-0545 0929-0550 0929-0552 0929-0555 0929-7156 0929-8165 0960-0058 0960-0060 0960-0066 0960-0068 0960-0070 0960-0095 0960-0101 0960-0509 0960-0882 0960-1523 0960-1688 0960-1693 0960-1697 0960-1723 0960-1733 0960-1741 0960-1767 1010-0078 1010-0092 1010-0093 1010-0096 1010-0100 1010-0101 1010-0108 1010-0128 1010-0130 1010-0135 1010-0150 1010-0172 1010-0200 1010-0271 1010-0285 1010-0294 1010-0377 1010-0428 1010-0536 1010-0548 1010-0569 1010-0669 1010-0672 1010-0978 1010-1067 1010-1124 1010-1199 1010-1473 1010-1486 1010-1492 1010-1496 1010-1502 1010-1504 1010-1508 1010-1919 1010-8970 1010-8974 1010-8986 1011-0001 1011-0010 1011-0011 1011-0014 1011-0022 1011-0037 1011-0060 1011-0062 1011-0067 1011-0069 1011-0076 1011-0078 1011-0096 1011-0099 1011-0101 1011-0110 1011-0113 1011-0114 1011-0115 1011-0121 1011-0122 1011-0124 1011-0130 1011-0143 1011-0147 1011-0155 1011-0165 1011-0166 1011-0178 1011-0181 1011-0198 1011-0201 1011-0202 1011-0204 1011-0208 1011-0210 1011-0212 1011-0222 1011-0233 1011-0237 1011-0254 1011-0258 1011-0265 1011-0270 1011-0277 1011-0284 1011-0286 1011-0293 1011-0298 1011-0302 1011-0322 10.11-0323 1011-0352 1011-0355 1011-0364 1011-0375 1011-0383 1011-0391 1011-0397 1011-0401 1011-0407 1011-0409 1011-0415 1011-0442 1011-0449 1011-0454 1011-0456 1011-0463 1011-0479 1011-0480 1011-0492 1011-0508 1011-0529 1011-0534 1011-0535 1011-0544 1011-0555 1011-0559 1011-0566 1011-0568 1011-0576 1011-0577 1011-0581 1011-0600 1011-0621 1011-0626 1011-0632 1011-0637 1011-0638 1011-0649 1011-0650 1011-0652 1011-0656 1011-0675 1011-0693 1011-0711 1011-0714 1011-0720 1011-0729 1011-0762 1011-0775 1011-0788 1011-0834 1011-0837 1011-0849 1011-0906 1011-0915 1011-0923 1011-0994 1011-1021 1011-1040 1011-1061 1011-1075 1011-1080 1011-1131 1011-1134 1011-1135 1011-1138 1011-1170 1011-1212 1011-1247 1011-1307 1011-1336 1011-1342 1011-1381 1011-1404 1011-1410 1011-1430 1011-1439 1011-1440 1011-1444 1011-1456 1011-1458 1011-1464 1011-1465 1011-1472 1011-1477 1011-1479 1011-1484 1011-1488 1011-1493 1011-1497 1011-1498 1011-1499 1011-1500 1011-1506 1011-1507 1011-1521 1011-1529 1011-1530 1011-8966 1012-0039 1012-0044 1012-0062 1012-0160 1012-0187 1012-0189 1012-0250 1012-0287 1012-0325 1012-0351 1012-0413 1012-0495 1012-0505 1012-0594 1012-0610 1012-0627 1012-0629 1012-0638 1012-0645 1012-0680 1012-0699 1012-0721 1012-0777 1012-0791 1012-1009 1012-1042 1012-1195 1012-1320 1012-1545 1012-1849 1012-1880 1012-1905 1012-1909 1012-1938 1012-8943 1019-0058 Group 1(cont) 1019-0141 1019-0211 1019-0217 1019-0220 1019-0273 1019-0333 1019-0367 1019-0393 1019-0418 1019-0452 1019-0474 1019-0624 1019-0660 1019-0719 1019-0857 1019-0939 1019-1061 1019-1151 1019-1428 1019-1630 1019-1810 1019-1827 1019-1896 1020-0092 1020-0315 1020-0374 1020-0391 1020-0433 1020-0601 1020-0632 1020-0633 1020-0700 1021-0040 1021-0055 1021-0066 1021-0067 1021-0077 1021-0087 1021-0099 1021-0103 1021-0111 1021-0121 1021-0125 1021-0131 1021-0141 1021-0142 1021-0144 1021-0149 1021-0157 1021-0161 1021-0170 1021-0182 1021-0201 1021-0291 1021-0293 1021-0300 1021-0309 1021-0310 1021-0313 1021-0325 1021-0328 1021-0356 1021-0358 1021-0359 1021-0370 1021-0392 1021-0427 1021-0441 1021-0458 1021-0459 1021-0460 1021-0468 1021-0472 1021-0474 1021-0475 1021-0484 1021-0492 1021-0514 1021-0518 1021-0535 1021-0599 1021-0652 1021-0684 1021-0703 1021-0706 1021-0736 1021-8932 1021-8961 1022-0024 1022-0104 1023-0012 1023-0025 1023-0031 1023-0040 1023-0045 1023-0087 1023-0097 1023-0099 1023-0119 1023-0124 1023-0151 1023-0154 1023-0171 1023-0177 1023-0187 1023-0192 1023-0268 1023-0276 1023-0384 1023-0409 1023-0509 1023-0635 1023-0664 1023-0669 1023-0709 1030-0067 1030-0070 1030-0085 1030-0112 1030-0119 1030-0197 1030-0225 1030-0261 1030-0269 1030-0277 1030-0306 1030-0368 1030-0369 1030-0516 1030-0640 1030-0792 1030-0840 1030-0881 1030-0998 1030-1278 1030-1286 1030-1301 1030-1306 1030-1313 1030-1329 1031-0017 1031-0025 1031-0032 1031-0040 Exhibit "F" 1031-0046 1031-0052 1031-0055 1031-0082 1031-0108 1031-0111 1031-0115 1031-0116 1031-0126 1031-0127 1031-0129 1031-0141 1031-0148 1031-0150 1031-0157 1031-0162 1031-0166 1031-0169 1031-0172 1031-0176 1031-0182 1031-0184 1031-0186 1031-0187 1031-0188 1031-0.204 1031-0212 1031-0221 1031-0228 1031-0233 1031-0238 1031-0240 1031-0241 1031-0254 1031-0257 1031-0262 1031-0279 1031-0284 1031-0288 1031-0289 1031-0309 1031-0312 1031-0318 1031-0321 1031-0335 1031-0339 1031-0340 1031-0351 1031-0356 1031-0364 1031-0365 1031-0366 1031-0367 1031-0374 1031-0377 1031-0381 1031-0387 1031-0401 1031-0410 1031-0417 1031-0420 1031-0426 1031-0435 1031-0464 1031-0476 1031-0490 1031-0496 1031-0528 1031-0544 1031-0564 1031-0569 1031-0583 1031-0588 1031-0622 1031-0637 1031-0654 1031-0682 1031-0684 1031-0700 1031-0704 1031-0724 1031-0744 1031-0763 1031-0783 1031-0804 1031-0860 1031-0862 1031-0873 1031-0901 1031-0912 1031-0934 1031-0977 1031-0984 1031-1000 1031-1013 1031-1030 1031-1037 1031-1042 1031-1105 1031-1108 1031-1119 1031-1136 1031-1165 1031-1174 1031-1184 1031-1196 1031-1197 1031-1201 1031-1211 1031-1212 1031-1224 1031-1232 1031-1238 1031-1243 1031-1259 1031-1262 1031-1265 1031-1273 1031-1274 1031-1294 1031-1297 1031-1300 1031-1302 1031-1316 1031-1317 1031-1318 1031-1327 1031-8910 1031-8930 1031-8937 1031-8939 1031-8978 1039-0003 1039-0149 1039-0156 1039-0271 1039-0304 1039-0337 1039-1272 1039-1287 1039-1291 1040-0026 1040-0087 1040-0113 1040-0179 1040-1410 1040-8941 1040-8957 1041-0219 1041-0230 1041-0235 1041-0249 1041-0257 1041-0270 1041-0342 1041-0368 1041-0371 1041-0421 1041-0475 1041-0492 1041-0498 1041-0608 1041-0650 1041-0658 1041-0784 1041-0843 1041-0997 1041-1091 1041-1092 1041-1156 1041-1205 1041-1277 1041-1321 1041-1342 1041-1355 1041-1370 1041-1374 1041-1381 1041-1387 1041-1388 1041-8946 1041-8956 1049-0020 1049-0058 1049-0079 1049-0080 1049-0088 1049-0103 1049-0106 1049-0111 1049-0124 1049-0145 1049-0151 1049-0158 1049-0165 1049-0167 1049-0181 1049-0182 1049-0193 1049-0203 1049-0212 1049-0217 1049-0239 1049-0313 1049-0369 1049-0472 1049-0514 1049-0525 1049-0561 1049-0578 1049-0688 1049-0702 1049-0793 1049-0796 1049-0816 1049-0818 1049-0825 1049-0853 1049-0881 1049-0953 1049-1013 1049-1027 1049-1167 1049-1267 1049-1304 1049-1331 1049-1333 1049-1336 1049-1375 1049-1407 1070-0006 1070-0009 1070-0017 1070-0023 1070-0037 1070-0044 1070-0046 1070-0052 1070-0092 1070-0101 1070-0126 1070-0152 1070-0160 1070-0195 1070-0200 1070-0211 1070-0216 1070-0240 1070-0251 1070-0272 1070-0279 1070-0296 1070-0305 1070-0308 1070-0341 1070-0423 1070-0477 1070-0507 1070-0543 1070-0544 1070-0552 1070-0569 1070-0586 1070-0595 1070-0607 1070-0608 1070-0609 1070-0610 1070-0614 1070-0615 1070-0625 1070-0642 1070-0646 1070-0648 1070-0667 1070-0673 1070-0683 1070-0687 1070-0688 1070-0689 1070-0695 1070-0707 1070-0713 1070-0721 1070-0722 1070-0724 1070-0728 1070-0732 1070-0734 1070-0737 1070-0739 1070-0750 1070-8971 1110-0002 1110-0003 1110-0025 1110-0071 1110-0104 1110-0105 1110-0358 1110-0707 1110-1017 1110-1187 1110-1267 1110-1278 1110-1432 1110-1554 1110-1574 1110-1650 1110-1745 1110-1779 1110-1782 1110-1797 1110-2433 1110-2438 1110-2448 1110-2454 1110-2464 1110-2485 1110-2508 1110-2512 1110-2546 1110-2551 1110-2553 1110-2587 1110-2590 1110-2603 1110-9365 1111-0112 1111-0117 1111-0122 1111-0165 1111-0168 1111-0169 1111-0177 1111-0190 Group i (cont) 1111-0198 1111-0220 1111-0224 1111-0240 1111-0281 1111-0284 1111-0331 1111-0333 1111-0336 1111-0458 1111-0492 1111-0533 1113-0143 1113-0161 1113-0209 1113-0253 1113-0254 1113-0258 1113-0283 1113-0300 1113-0301 1113-0311 1113-0348 1113-0349 1113-0366 1113-0374 1113-0405 1113-0406 1113-0434 1113-0438 1113-0440 1113-0460 1113-0511 1113-0557 1113-0574 1113-0585 1113-0605 1113-0619 1113-0655 1113-0725 1113-0726 1113-0746 1113-0748 1113-0758 1113-0784 1113-0803 1113-0805 1113-0835 1113-0844 1113-0857 1113-0873 1113-0903 1113-0904 1113-0974 1113-1080 1113-1084 1113-1141 1113-1162 1113-1174 1113-1178 1113-1218 1113-1220 1113-1253 1113-1273 1113-1289 1113-1300 1113-1320 1113-1335 1113-1347 1113-1363 1113-1493 1113-1501 1113-1661 1113-1679 1113-1682 1113-1688 1113-1752 1113-1758 1113-1778 1113-1784 1113-1806 1113-1858 1113-1861 1113-1870 1113-1900 1113-1953 1113-2021 1113-2034 1113-2089 1113-2092 1113-2104 1113-2106 1113-2164 1113-2171 1113-2172 1113-2181 1113-2182 1113-2185 1113-2189 1113-2231 1113-2240 1113-2253 1113-2266 1113-2272 1113-2281 1113-2291 1113-2296 1113-2303 1113-2320 1113-2363 1113-2368 1113-2373 1113-2380 1113-2383 1113-2390 1113-2392 1113-2395 1113-2419 1113-2429 1113-2472 1113-2489 1113-2492 1113-2571 1113-2579 1113-2607 1119-0005 1119-0057 1119-0058 1119-0059 1119-0060 1119-0065 1119-0129 1119-0133 1119-0156 1119-0158 1119-0169 1119-0194 1119-0195 1119-0196 1119-0199 1119-0205 1119-0239 1119-0242 1119-0323 Exhibit "F" 1119-0325 1119-0351 1119-0354 1119-0359 1119-0362 1119-0382 1119-0393 1119-0419 1119-0423 1119-0433 1119-0441 1119-0448 1119-0450 1119-0454 1119-0485 1119-0499 1119-0513 1119-0518 1119-0522 1119-0523 1119-0532 1119-0533 1119-0543 1119-0560 1119-0561 1119-0563 1119-0564 1119-0571 1119-0576 1119-0578 1119-0600 1119-0604 1119-0616 1119-0624 1119-0646 1119-0650 1119-0661 1119-0662 1119-0686 1119-0699 1119-0702 1119-0705 1119-0714 1119-0719 1119-0742 1119-0749 1119-0750 1119-0755 1119-0765 1119-0769 1119-0771 1119-0777 1119-0782 1119-0792 1119-0797 1119-0799 1119-0800 1119-0809 1119-0812 1119-0814 1119-0817 1119-0823 1119-0840 1119-0849 1119-0850 1119-0858 1119-0875 1119-0894 1119-0896 1119-0921 1119-0926 1119-0928 1119-0936 1119-0951 1119-0957 1119-0960 1119-0966 1119-0967 1119-0976 1119-0977 1119-0982 1119-0984 1119-0986 1119-0987 1119-0999 1119-1016 1119-1044 1119-1076 1119-1085 1119-1109 1119-1122 1119-1188 1119-1209 1119-1212 1119-1219 1119-1225 1119-1238 1119-1240 1119-1242 1119-1274 1119-1285 1119-1306 1119-1307 1119-1324 1119-1332 1119-1351 1119-1387 1119-1430 1119-1431 1119-1434 1119-1468 1119-1491 1119-1503 1119-1504 1119-1525 1119-1532 1119-1618 1119-1642 1119-1643 1119-1645 1119-1658 1119-1669 1119-1672 1119-1691 1119-1699 1119-1730 1119-1736 1119-1738 1119-1757 1119-1759 1119-1794 1119-1823 1119-2031 1119-2032 1119-2051 1119-2076 1119-2129 1119-2177 1119-2213 1119-2221 1119-2261 1119-2262 1119-2277 1119-2349 1119-2407 1119-2412 1119-2430 1119-2435 1119-2436 1119-2447 1119-2453 1119-2455 1119-2462 1119-2465 1119-2468 1119-2471 1119-2478 1119-2480 1119-2488 1119-2499 1119-2503 1119-2504 1119-2505 1119-2507 1119-2511 1119-2516 1119-2522 1119-2528 1119-2530 1119-2543 1119-2547 1119-2557 1119-2558 1119-2563 1119-2569 1119-2574 1119-2577 1119-2593 1119-2605 1119-9369 1119-9374 1119-9411 1119-9417 1120-2443 1120-9380 1122-0043 1122-0062 1122-0082 1122-0108 1122-0121 1122-0183 1122-0192 1122-0195 1122-0197 1122-0198 1122-0212 1122-0266 1122-0303 1122-0312 1122-0428 1122-0576 1122-0629 1122-0645 1122-0676 1122-0677 1122-0686 1122-0740 1123-0642 1123-0722 1123-1171 1123-1334 1123-1952 1123-2078 1123-2131 1123-2308 1123-2338 1123-2359 1130-0002 1130-0103 1130-0124 1130-0142 1130-0229 1130-0290 1130-0313 1130-0334 1130-0526 1130-0783 1130-0801 1130-0934 1130-0946 1130-1111 1130-1125 1130-1311 1130-1407 1130-1542 1130-1550 1130-1598 1130-1992 1130-2399 1130-2400 1130-2409 1130-2410 1130-2416 1130-2417 1130-2440 1130-2441 1130-2451 1130-2458 1130-2467 1130-2495 1130-2514 1130-2515 1130-2523 1130-2529 1130-2548 1130-2572 1130-2580 1130-2597 1130-2602 1130-9384 1130-9385 1130-9388 1130-9408 1130-9413 1130-9414 1131-0056 1131-0074 1131-0131 1131-0152 1131-0244 1131-0245 1131-0271 1131-0292 1131-0327 1131-0368 1131-0376 1131-0379 1131-0400 1131-0417 1131-0427 1131-0453 1131-0479 1131-0480 1131-0488 1131-0502 1131-0507 1131-0508 1131-0545 1131-0546 1131-0653 1131-0683 1131-0698 1131-07.16 1131-0751 1131-0880 1131-0913 1131-0937 1131-0968 1131-0972 1131-0983 1131-0989 1131-0998 1131-1058 1131-1066 1131-1081 1131-1098 1131-1107 1131-1138 1131-1198 1131-1235 1131-1299 1131-1301 1131-1323 1131-1336 1131-1339 1131-1340 1131-1386 1131-1429 1131-1464 1131-1489 1131-1548 1131-1561 1131-1605 1131-1621 1131-1629 1131-1692 1131-1719 1131-1720 1131-1741 1131-1832 1131-1834 1131-1863 1131-1910 1131-1939 1131-1998 1131-2029 Group 1(cont) 1131-2138 1131-2208 1131-2280 1131-2282 1131-2295 1131-2306 1131-2316 1131-2336 1131-2344 1131-2352 1131-2356 1131-2357 1131-2362 1131-2365 1131-2444 1131-2459 1131-2494 1131-2525 1131-2538 1131-2540 1131-2570 1131-2599 1131-2609 1131-9399 1131-9412 1131-9425 1140-0049 1140-0055 1140-0089 1140-1264 1140-1437 1140-1560 1140-1652 1140-1771 1140-2193 1140-2426 1140-2496 1140-2559 1140-2564 1140-9404 1149-0223 1149-0240 1149-0265 1149-0268 1149-0305 1149-0319 1149-0410 1149-0446 1149-0474 1149-0549 1149-0550 1149-0659 1149-0660 1149-0668 1149-0763 1149-0828 1149-0916 1149-0948 1149-1014 1149-1022 1149-1028 1149-1056 1149-1091 1149-1123 1149-1130 1149-1142 1149-1150 1149-1151 1149-1164 1149-1180 1149-1201 1149-1223 1149-1258 1149-1284 1149-1404 1149-1451 1149-1471 1149-1472 1149-1481 1149-1508 1149-1513 1149-1527 1149-1544 1149-1580 1149-1601 1149-1610 1149-1648 1149-1709 1149-1715 1149-1726 1149-1731 1149-1733 1149-1781 1149-1790 1149-1792 1149-1814 1149-1830 1149-1928 1149-1967 1149-2012 1149-2052 1149-2117 1149-2162 1149-2176 1149-2184 1149-2198 1149-2209 1149-2226 1149-2244 1149-2289 1149-2332 1149-2343 1149-2375 1149-2397 1149-2418 1149-2469 1149-2474 1149-2502 1149-2517 1149-2554 1149-2561 1149-2586 1149-2594 1149-2598 1149-2600 1149-2601 1149-9368 1149-9402 1149-9403 1149-9410 1149-9419 1163-2420 1210-0024 1210-0035 1210-0204 1210-3214 1210-3227 1210-3453 1210-3684 1210-3695 1210-3826 1210-3863 1210-3948 1210-4016 Exhible it it F it 1210-4035 1210-4055 1210-4121 1210-4288 1210-4321 1210-4405 1210-4435 1210-4436 1210-8187 1211-0118 1211-0406 1211-0515 1211-0625 1211-0690 1211-0788 1211-0844 1211-0951 1211-2566 1211-2899 1211-3298 1211-3351 1211-3504 1211-3508 1211-3577 1211-3635 1211-3729 1211-3779 1211-3780 1211-3801 1211-3828 1211-3895 1211-3896 1211-3928 1211-3931 1211-4021 1211-4026 1211-4033 1211-4095 1211-4124 1211-4139 1211-4149 1211-4173 1211-4175 1211-4186 1211-4187 1211-4190 1211-4197 1211-4202 1211-4214 1211-4225 1211-4228 1211-4242 1211-4263 1211-4266 1211-4276 1211-4283 1211-4285 1211-4300 1211-4303 1211-4304 1211-4327 1211-4352 1211-4355 1211-4362 1211-4369 1211-4373 1211-4375 1211-4378 1211-4384 1211-4389 1211-4407 1211-4414 1211-4425 1211-4431 1211-4432 1211-4434 1211-4446 1211-4447 1211-4452 1211-4455 1211-4462 1211-4469 1211-4484 1211-4486 1211-4493 1211-4502 1211-4514 1211-4517 1211-8174 1211-8192 1211-8197 1211-8203 1212-0206 1212-0221 1212-8189 1213-0101 1213-0102 1213-0105 1213-0157 1213-0177 1213-0229 1213-0235 1213-0236 1213-0237 1214-0400 1214-0402 1214-0503 1214-0515 1220-0024 1220-0049 1220-0065 1220-0066 1220-0416 1220-2958 1220-3190 1220-3410 1220-3706 1220-3713 1220-3784 1220-3825 1220-3869 1220-3875 1220-3883 1220-3920 1220-3934 1220-4009 1220-4079 1220-4092 1220-4121 1220-4152 1220-4159 1220-4164 1220-4166 1220-4174 1220-4189 1220-4206 1220-4215 1220-4280 1220-4314 1220-4319 1220-4330 1220-4344 1220-4351 1220-4360 1220-4395 1220-4411 1220-4422 1220-4430 1220-4437 1220-4444 1220-8694 1220-8734 1220-8759 1221-0113 1221-0498 1221-0504 1221-0517 1221-0518 1221-0519 1221-0532 1221-0551 1221-0555 1221-0556 1221-0558 1221-0560 1221-0563 1221-0566 1221-0567 1221-0570 1221-0571 1221-0572 1221-0573 1221-0576 1221-0577 1221-0579 1221-0580 1221-0582 1221-0584 1221-0586 1221-0589 1221-0592 1221-0593 1221-0595 1221-0596 1221-0598 1221-0599 1221-0600 1221-0603 1221-0606 1221-0607 1221-0608 1221-0610 1221-0613 1221-0615 1221-0617 1221-0622 1221-0623 1221-0625 1221-0627 1221-0631 1221-0633 1221-0637 1221-0641 1221-0645 1221-8721 1222-0324 1222-0395 1222-1509 1222-1643 1222-1705 1222-2084 1222-2287 1222-2606 1222-2607 1222-2800 1222-3193 1222-3243 1222-3364 1222-3414 1222-3478 1222-3482 1222-3590 1222-3624 1222-3730 1222-3751 1222-3754 1222-3762 1222-3774 1222-3775 1222-3799 1222-3804 1222-3820 1222-3824 1222-3842 1222-3854 1222-3858 1222-3861 1222-3872 1222-3891 1222-3893 1222-3902 1222-3906 1222-3932 1222-3933 1222-3977 1222-3981 1222-3984 1222-3986 1222-3987 1222-3993 1222-4001 1222-4010 1222-4030 1222-4034 1222-4048 1222-4068 1222-4070 1222-4075 1222-4089 1222-4094 1222-4113 1222-4121 1222-4150 1222-4157 1222-4162 1222-4180 1222-4183 1222-4191 1222-4194 1222-4203 1222-4205 1222-4209 1222-4210 1222-4229 1222-4237 1222-4252 1222-4254 1222-4264 1222-4270 1222-4275 1222-4279 1222-4282 1222-4286 1222-4289 1222-4292 1222-4293 1222-4306 1222-4309 1222-4312 1222-4313 1222-4315 1222-4316 1222-4317 1222-4320 1222-4322 1222-4323 1222-4324 1222-4329 1222-4332 1222-4333 1222-4334 1222-4340 1222-4341 1222-4345 1222-4346 1222-4347 1222-4358 1222-4359 1222-4361 1222-4363 1222-4366 1222-4371 1222-4376 1222-4380 1222-4381 1222-4385 1222-4387 1222-4394 1222-4397 1222-4401 1222-4402 1222-4403 1222-4408 1222-4417 1222-4418 1222-4424 1222-4429 1222-4433 1222-4440 1222-4442 1222-4449 1222-4450 1222-4451 1222-4453 1222-4456 1222-4458 Group 1(cont) 1222-4466 1222-4467 1222-4470 1222-4471, 1222-4473 1222-4474 1222-4477 1222-4488 1222-4492 1222-4504 1222-8718 1222-8725 1222-8728 1222-8737 1222-8741 1222-8742 1222-8747 1222-8750 1222-8754 1222-8760 1222-8762 1222-8767 1224-0077 1224-0177 1224-0182 1224-0200 1224-0201 1224-0205 1224-0207 1224-0208 1224-0209 1224-0210 1224-0214 1224-0217 1224-0219 1224-0224 1224-0228 1224-0229 1224-0231 1224-0232 1224-0235 1224-0236 1224-0238 1224-8702 1224-8712 1224-8720 1224-8722 1224-8745 1230-0668 1230-0686 1230-0696 1231-0359 1231-0360 1231-0373 1231-0390 1232-0005 1232-0010 1232-0229 1232-0387 1232-0407 1232-0513 1232-0597 1232-0636 1232-0654 1232-0659 1232-0663 1232-0664 1232-0684 1232-0685 1232-0691 1232-0693 1232-0697 1232-8509 1233-0015 1233-0642 1233-0758 1233-0853 1233-0858 1240-0002 1240-0005 1240-0288 1240-0294 1240-0311 1240-7188 1240-8470 1240-8477 1240-8480 1240-8482 1240-8483 1240-8492 1240-8502 1240-8506 1240-8526 1241-0008 1241-0041 1241-0085 1241-0112 1241-0151 1241-0250 1241-0358 1241-0367 1241-0374 1241-0375 1241-0378 1241-0381 1241-0383 1241-0384 1242-0024 1242-0156 1242-0158 1242-0159 1242-0168 1242-0170 1242-0175 1243-0032 1243-0069 1243-0075 1243-0102 1243-0105 1243-0139 1243-0141 1243-0185 1243-0211 1243-0225 1243-0232 1243-0246 1243-0250 1243-0252 1243-0261 1243-0291 1243-0292 1243-0293 1243-0296 1243-0301 1243-0302 1243-0303 1243-0304 1243-0306 1243-0308 1243-0310 1243-0312 1243-0316 1243-8458 1243-8459 Exhibit it F it 1243-8460 1243-8463 1243-8465 1243-8487 1243-8498 1243-8511 1250-0375 1250-0828 1250-0865 1250-0871 1250-0880 1251-0008 1251-0051 1251-0165 1251-0243 1251-0267 1251-0290 1251-0456 1251-0460 1251-0555 1251-0557 1251-0582 1251-0670 1251-0698 1251-0700 1251-0753 1251-0769 1251-0770 1251-0772 1251-0777 1251-0782 1251-0786 1251-0788 1251-0799 1251-0810 1251-0825 1251-0827 1251-0829 1251-0831 1251-0835 1251-0840 1251-0842 1251-0850 1251-0856 1251-0857 1251-0868 1251-0869 1251-0870 1251-0873 1251-0875 1251-0876 1251-0879 1251-0881 1251-0883 1251-0885 1251-0886 1251-0888 1251-0889 1251-0893 1251-0896 1251-0898 1251-8461 1251-8514 1252-0004 1252-0090 1252-0092 1252-0093 2110-7001 2110-7007 2110-7013 2110-7016 2110-7017 2110-7022 2110-7024 2110-7025 2110-7273 2110-7291 2110-7321 2110-7347 2110-7349 2110-7508 2110-8074 2110-8076 2110-8082 2110-8087 2110-8099 2110-8103 2110-8108 2110-8120 2110-8230 2110-8235 2110-8355 2110-8356 2110-9190 2110-9218 2111-7012 2111-7014 2111-7023 2111-7027 2111-7030 2111-7031 2111-7033 2111-7037 2111-7343 2111-7368 2111-7413 2111-7416 2111-7417 2111-7421 2111-7425 2111-7430 2111-7433 2111-7434 2111-7435 2111-7498 2111-7659 2111-7661 2111-7664 2111-7685 2111-7686 2111-7689 2111-7690 2111-7695 2111-7696 2111-7705 2111-7713 2111-7761 2111-7774 2111-7781 2111-7782 2111-7783 2111-7800 2111-7810 2111-7819 2111-7827 2111-7840 2111-7846 2111-7858 2111-7859 2111-7860 2111-7864 2111-7870 2111-7956 2111-7957 2111-7958 2111-7960 2111-7965 2111-7993 2111-7999 2111-8001 2111-8002 2111-8013 2111-8995 2111-9194 2111-9227 2111-9230 2112-7246 2112-7250 2112-7251 2112-7258 2112-7263 2112-7374 2112-7375 2112-7378 2112-7379 2112-7438 2112-7442 2112-7444 2112-7447 2112-7453 2112-7457 2112-8750 2112-8752 2112-8758 2112-8790 2112-8798 2112-8816 2112-8822 2112-8823 2112-8837 2112-8859 2112-8864 2112-8866 2112-8899 2113-7001 2113-7002 2113-7003 2113-7006 2113-7008 2113-7017 2113-7029 2113-7032 2113-7033 2113-7037 2113-7041 2113-7043 2113-7045 2113-7051 2113-7055 2113-7057 2113-7061 2113-7062 2113-7063 2113-7064 2113-7066 2113-7070 2113-7073 2113-7075 2113-7085 2113-7090 2113-7094 2113-7102 2113-7105 2113-7107 2113-7113 2113-7116 2113-7119 2113-7123 2113-7128 2113-7129 2113-7130 2113-7131 2113-7132 2113-7133 2113-7135 2113-7136 2113-7141 2113-7143 2113-7144 2113-7145 2113-7146 2113-7148 2113-7149 2113-7150 2113-7154 2113-7165 2113-7167 2113-7170 2113-7176 2113-7179 2113-7181 2113-7182 2113-7184 2113-7193 2113-7196 2113-7199 2113-7203 2113-7204 2113-7205 2113-7210 2113-7212 2113-7216 2113-7222 2113-7225 2113-7227 2113-7228 2113-7237 2113-7241 2113-7277 2113-7282 2113-7285 2113-7287 2113-7292 2113-7298 2113-7306 2113-7308 2113-7311 2113-7312 2113-7326 2113-7352 2113-7353 2113-7354 2113-7357 2113-7358 2113-7359 2113-7362 2113-8055 2113-8139 2113-8144 2113-8167 2113-8171 2113-8178 2113-8199 2113-8223 2113-8276 2113-8285 2113-8286 2113-8290 2113-8293 2113-8306 2113-8359 2113-8363 2113-8373 2113-8375 2113-8377 2113-8386 2113-8387 2113-8398 2113-8415 2113-8416 2113-841-7 2113-8438 2113-8443 2113-8470 2113-8493 2113-8495 2113-8537 2113-8538 2113-8564 2113-8651 2113-8652 2113-8701 2113-8714 2113-8716 2114-7011 2114-7018 2114-7023 2114-7297 2114-7466 2114-7468 2114-7500 2114-7503 2114-8922 2114-8965 2114-8969 2114-9247 2115-7266 2115-7315 2115-7317 2115-7322 2115-7329 2115-7461 2115-7486 2115-9019 2115-9026 2115-9038 Group 1(cont) 2115-9065 2115-9073 2115-9081 2115-9083 2115-9167 2116-7247 2116-7260 2116-7268 2116-7477 2116-9101 2116-9112 2116-9129 2116-9131 2116-9133 2116-9169 2117-7009 2117-7013 2117-7014 2117-7016 2117-7017 2117-7019 2117-7021 2117-7027 2117-7293 2117-8923 2118-7014 2118-7087 2118-7098 2118-7115 2118-7160 2118-7169 2118-7171 2118-7183 2118-8021 2118-8209 2118-8214 2118-8322 2118-8325 2118-8341 2118-8497 2118-8525 2118-8585 2118-8592 2118-8594 2118-8598 2119-7005 2119-7019 2119-7717 2119-7732 2119-7735 2119-7736 2119-7752 2211-7218 2211-7221 2211-7223 2211-7226 2211-7365 2211-7388 2211-7407 2211-7439 2211-7441 2211-7442 2211-7449 2211-8080 2211-8280 2211-8289 2211-8294 2212-7007 2212-7010 2212-7011 2212-7019 2212-7024 2212-7026 2212-7028 2212-7041 2212-7052 2212-7054 2212-7065 2212-7075 2212-7079 2212-7105 2212-7111 2212-7113 2212-7126 2212-7133 2212-7135 2212-7141 2212-7145 2212-7148 2212-7155 2212-7193 2212-7195 2212-7196 2212-7199 2212-7203 2212-7212 2212-7215 2212-7230 2212-7231 2212-7233 2212-7236 2212-7243 2212-7468 2212-7472 2212-7478 2212-7517 2212-7521 2212-7570 2212-7577 2212-7582 2212-7587 2212-7602 2212-7625 2212-7678 2212-7688 2212-7713 2212-7747 2212-7759 2212-7776 2212-7777 2212-7781 2212-7797 2212-7812 2212-7842 2212-7844 2212-7872 2212-7895 2212-7902 2212-8334 2212-8351 2213-7039 2213-7046 2213-7049 2213-7087 2213-7112 2213-7119 2213-7135 2213-7137 2213-7142 2213-7150 2213-7153 2213-7155 2213-7156 2213-7158 Exhibit "F" 2213-7159 2213-7162 2213-7164 2213-7170 2213-7171 2213-7174 2213-7227 2213-7327 2213-7338 2213-7345 2213-7373 2213-7417 2213-7509 2213-7513 2213-7517 2213-7580 2213-7618 2213-7653 2213-7890 2213-7899 2213-7906 2213-7923 2213-7968 2213-7989 2213-7990 2213-8012 2213-8034 2213-8069 2213-8086 2213-8093 2213-8149 2213-8154 2213-8171 2214-7279 2214-7280 2214-7364 2214-7365 2214-7565 2214-7576 2214-7578 2214-7589 2214-7631 2214-7668 2214-7887 2214-7939 2214-8080 2214-8118 2214-8214 2215-7136 2215-7137 2215-7141 2215-7147 2215-7267 2215-7269 2215-7270 2215-7283 2215-7286 2215-8163 2215-8164 2215-8166 2215-8167 2215-8169 2215-8170 2215-8172 2215-8174 2215-8175 2215-8176 2215-8199 2215-8205 2215-8208 2215-8217 2215-8221 2215-8222 2215-8223 2215-8228 2215-8231 2215-8232 2215-8237 2215-8241 2215-8245 2215-8250 2215-8252 2215-8256 2215-8258 2216-7285 2219-7044 2219-7060 2219-7082 2219-7098 2219-7101 2219-7108 2219-7113 2219-7126 2219-7131 2219-7133 2219-7201 2219-7202 2219-7208 2219-7209 2219-7215 2219-7220 2219-7222 2219-7223 2219-7225 2219-7356 2219-7358 2219-7595 2219-7624 2219-7666 2219-7672 2219-7673 2219-7938 2219-7993 2219-8106 2219-8109 2219-8125 2219-8209 2219-8215 2220-7964 2220-8018 2220-8022 2223-7044 2223-7165 2223-7169 2223-7174 2223-7180 2223-8035 2223-8038 2223-8044 2223-8054 2223-8073 2223-8077 2223-8116 2223-8119 2223-8182 2223-8188 2223-8193 2223-8211 2223-8214 2223-8222 2223-8229 2223-8243 2223-8249 2223-8260 2223-8347 2260-7011 2260-7013 2260-7023 2260-7027 2260-7030 2260-7036 2260-7040 2260-7047 2260-7057 2260-7058 2260-7076 2260-7109 2260-7121 2260-7123 2260-7145 2260-7233 2260-7234 2260-7236 2260-7246 2260-7247 2260-7251 2260-7284 2260-7287 2260-7389 2260-7423 2260-7494 2260-7603 2260-7610 2260-7615 2260-7723 2260-7737 2260-7749 2260-7753 2260-7794 2260-7804 2260-7806 2260-7810 2260-7823 2260-7846 2260-7851 2260-7860 2260-8194 2260-8202 2260-8212 2260-8343 2311-7018 2311-7575 2311-7664 2311-7666 2311-7688 2311-7698 2312-7025 2312-7034 2312-7035 2312-7036 2312-7040 2312-7043 2312-7065 2312-7075 2312-7085 2312-7100 2312-7108 2312-7114 2312-7116 2312-7122 2312-7123 2312-7124 2312-7128 2312-7136 2312-7137 2312-7140 2312-7150 2312-7741 2312-7825 2312-7827 2312-8880 2312-8881 2313-7157 2313-7159 2313-7166 2313-7178 2313-7179 2313-7186 2313-7193 2313-7202 2313-7205 2313-7211 2313-7214 2313-7218 2313-7224 2313-7226 2313-7236 2313-7238 2313-7240 2313-7243 2313-7269 2313-7281 2313-7296 2313-7303 2313-7306 2313-7317 2313-7318 2313-7491 2313-7494 2313-7500 2313-7509 2313-7517 2313-7539 2313-7543 2313-7563 2313-7919 2313-8010 2313-8033 2313-8062 2313-8078 2313-8111 2313-8146 2313-8180 2313-8198 2313-8224 2313-8550 2313-8604 2313-8634 2313-8651 2313-8717 2313-8758 2313-8773 2313-8818 2313-8830 2319-7156 2319-7583 2319-8261 2360-7337 2360-7376 2360-7380 2360-7383 2360-7387 2360-7413 2360-7415 2360-7452 2360-7461 2360-7467 2360-7485 2360-7566 2360-7568 2360-8282 2360-8294 2360-8331 2360-8377 2360-8424 2360-8426 2360-8429 2360-8456 2410-7044 2410-7053 2410-7121 2410-7176 2410-7620 2410-7665 2410-8151 2412-7003 2412-7014 2412-7024 2412-7081 2412-7084 2412-7090 2412-7097 2412-7105 2412-7109 2412-7113 2412-7119 2412-7120 2412-7161 2412-7211 2412-7220 2412-7392 2412-7411 2412-7817 2412-7865 2412-7950 2412-7962 2412-7968 2412-8059 2412-8088 2412-8214 2412-8236 2412-8356 2420-7100 2420-7103 2420-7108 2420-7128 Group 1(cont) 2420-7129 2420-7154 2420-7166 2420-7185 2420-7216 2420-7245 2420-7266 2420-7669 2421-7003 2421-7007 2421-7008 2421-7009 2421-7012 2421-7017 2421-7031 2421-7042 2421-7045 2421-7052 2421-7054 2421-7063 2421-7064 2421-7552 2421-7555 2421-7595 2421-7598 2421-7600 2421-7604 2421-8618 2421-8632 2421-8634 2422-7073 2422-7196 2422-7215 2422-7221 2422-7222 2422-7226 2422-7228 2422-7232 2422-7233 2422-7236 2422-7240 2422-7246 2422-7267 2422-7279 2422-7288 2422-7296 2422-7440 2422-7794 2422-7795 2422-7874 2422-7918 2422-7928 2423-7077 2423-7274 2423-7275 2423-7436 2430-7357 2430-7382 2430-7390 2430-7395 2430-7404 2430-7407 2430-8057 2430-8453 2430-8466 2430-8595 2432-7067 2432-7294 2433-7311 2433-7314 2433-7320 2433-7324 2433-7333 2433-7335 2433-7338 2433-7348 2433-7422 2433-7425 2433-7446 2433-7946 2433-7955 2433-7969 2433-7971 2433-7973 2433-7989 2433-7992 2433-8008 2433-8019 2433-8074 2433-8087 2433-8090 2433-8092 2433-8142 2433-8147 2433-8201 2433-8215 2433-8255 2433-8258 2433-8274 2433-8295 2433-8524 2434-7018 2434-7427 2434-7432 2434-8566 2434-8568 2434-8569 2434-8576 2434-8580 2440-7707 2440-7712 2440-7763 2441-7016 2441-7025 2441-7191 2441-7200 2441-7406 2441-8360 2442-7019 2442-7154 2442-8119 2510-7296 2510-8211 2510-8214 2510-8215 2510-w8219 2510-8228 2510-8232 2510-8237 2510-8239 2510-8241 2510-8242 2510-8245 2510-8246 2510-8247 2510-8249 2510-8255 2510-8257 2510-8258 2510-8264 2510-8267 2510-8271 2514-7254 2514-7255 Exhibit "F" 2514-7257 2514-7275 2514-7276 2514-7288 2514-7307 2514-7308 2514-7309 2514-7351 2514-7375 2514-7378 2514-7993 2514-8012 2514-8016 2514-8017 2514-8021 2514-8026 2514-8027 2514-8028 2514-8029 2514-8030 2514-8037 2514-8039 2514-8042 2514-8045 2514-8046 2514-8056 2514-8066 2514-8071 2514-8072 2514-8080 2514-8084 2514-8085 2514-8088 2514-8104 2514-8106 2514-8112 2514-8114 2514-8121 2514-8133 2514-8134 2514-8136 2514-8138 2514-8142 2514-8 147 2514-8164 2514-8165 2514-8167 2514-8168 2514-8170 2514-8171 2514-8172 2514-8173 2514-8174 2514-8176 2514-8177 2514-8181 2514-8191 2514-8192 2514-8195 2514-8199 2514-8200 2514-8206 2514-8209 2514-8285 2514-8289 2514-8291 2514-8294 2514-8296 2514-8299 2514-8301 2514-8307 2514-8313 2514-8315 2514-8321 2514-8323 2514-8324 2514-8327 2514-8331 2514-8332 2514-8334 2514-8340 2514-8342 2514-8432 2514-8445 2514-8494 2515-7876 2515-7877 2515-7909 2515-7910 2515-7918 2515-7925 2515-7931 2515-7937 2515-7953 2515-7983 2515-7990 2515-8345 2515-8353 2515-8356 2515-8390 2515-8391 2515-8393 2515-8397 2515-8400 2515-8403 2515-8410 2515-8419 2515-8420 2519-7318 2519-8361 2519-8363 2519-8366 2519-8369 2519-8379 2519-8385 2519-8438 2519-8440 2519-8446 2520-7025 2520-7029 2520-7030 2520-7054 2520-7056 2520-7063 2520-7068 2520-7072 2520-7081 2520-7097 2520-7098 2520-7107 2520-7115 2520-7121 2520-7137 2520-7140 2520-7155 2520-7165 2520-7170 2520-7178 2520-7183 2520-7186 2520-7566 2520-7575 2520-7623 2520-7639 2520-7646 2520-7656 2520-7671 2520-7679 2520-7682 2521-7248 2521-7712 2521-7715 2521-7717 2521-7775 2521-7792 2521-7820 2530-7497 2530-7501 2530-7502 2530-7503 2530-7511 2530-7514 2530-7530 2530-7536 2531-7002 2531-7008 2531-7014 2531-7025 2531-7037 2531-7052 2531-7067 2531-7075 2531-7077 2531-7098 2531-7100 2531-7119 2531-7129 2531-7142 2531-7152 2531-7154 2531-7159 2531-7160 2531-7162 2531-7164 2531-7167 2531-7177 2531-7349 2531-7366 2531-7370 2531-7459 2531-7473 2531-7538 2531-7549 2531-7557 2531-7573 2531-7593 2531-7625 2531-7644 2531-7687 2531-7693 2531-7697 2531-7704 2531-7711 2531-7799 2531-8485 2531-8492 2531-8500 2532-7180 2532-7182 2532-7191 2532-7194 2532-7198 2532-7207 2532-7214 2532-7236 2532-7241 2532-7248 2532-7390 2532-7818 2532-7819 2532-7822 2532-7840 2532-7849 2532-7887 2532-7890 2532-7903 2532-7924 2532-7962 2532-7969 2532-7982 2532-8493 2539-7206 2539-7861 2539-7874 2540-7007 2540-7013 2540-7403 2540-7405 2540-7417 2540-7418 2540-7423 2540-7427 2540-7434 2540-7440 2540-7441 2540-7443 2540-7444 2540-7445 2540-7446 2540-7457 2540-7458 2540-7466 2540-7468 2540-7473 2540-7478 2540-7481 2540-7483 2540-7493 2540-7504 2540-7507 2540-7525 2540-7539 2540-7540 2540-7543 2540-7544 2540-7545 2540-7550 2540-7555 2550-7163 2550-7202 2550-7204 2550-7225 2550-7227 2550-7231 2550-7236 2550-7238 2550-7245 2550-7253 2550-7259 2550-7321 2550-7325 2550-7334 2550-7343 2550-7411 2550-7549 2550-7557 2550-7675 2550-7689 2550-7692 2550-7694 2550-7697 2550-7700 2550-7702 2550-7706 2550-7729 2550-7732 2550-7737 2550-7747 2550-7749 2550-7767 2550-7772 2550-7773 2550-7783 2550-7788 2550-7789 2550-7790 2550-7799 2550-7815 2550-8001 2550-8359 2560-7264 2560-7332 2560-7497 2560-7502 2560-7534 2560-7552 2560-7825 2560-7828 2560-7836 2560-7840 2560-7843 2560-7844 2560-7849 2560-7850 2560-7851 2560-7852 2560-7854 2560-7855 2560-7856 2560-7857 2560-7859 2560-7863 2560-8052 2570-7896 2570-7898 2570-7899 Group 1(cont) 2570-7903 2570-7971 2610-7114 2610-7118 2610-7119 2610-7135 2610-7137 2610-7141 2610-7143 2610-7152 2610-7154 2610-7155 2610-7156 2610-7157 2610-7165 2610-7166 2610-7186 2610-7225 2610-7247 2610-7248 2610-7249 2610-7254 2610-7277 2610-7297 2610-7354 2610-7355 2610-7359 2610-7373 2610-7378 2610-7467 2610-8498 2611-7029 2611-7049 2611-7054 2611-7070 2611-7087 2611-7093 2611-7121 2611-7124 2611-7127 2611-7129 2611-7134 2611-7148 2611-7168 2611-7178 2611-7180 2611-7191 2611-7195 2611-7200 2611-7222 2611-7230 2611-7245 2611-7252 2611-7256 2611-7257 2611-7269 2611-7274 2611-7276 2611-7278 2611-7296 2611-7343 2611-7351 2611-7365 2611-7394 2611-7429 2611-7430 2611-7443 2611-7477 2611-7489 2611-7515 2611-7516 2611-7535 2611-7551 2611-8717 2611-8784 2611-8906 2611-9049 2611-9064 2611-9116 2611-9133 2612-7041 2612-7069 2612-7083 2612-7085 2612-7091 2612-7111 2612-7126 2612-7136 2612-7150 2612-7169 2612-7170 2612-7171 2612-7175 2612-7179 2612-7198 2612-7209 2612-7246 2612-7258 2612-7264 2612-7265 2612-7268 2612-7275 2612-7282 2612-7289 2612-7300 2612-7308 2612-7314 2612-7315 2612-7316 2612-7320 2612-7330 2612-7340 2612-7345 2612-7392 2612-7469 2612-7555 2612-8704 2612-8763 2612-8988 2612-9036 2612-9104 2613-7865 2613-8858 2613-8867 2620-8388 2620-8435 2620-8438 2620-8507 2620-8547 2620-8752 2620-9078 2621-8451 2622-7582 2622-7711 2622-7735 2622-7737 2622-7738 2622-8366 2622-8390 2622-8469 2622-8518 2622-8566 2622-8645 2622-8721 Exhibit it F it 2622-8738 2622-8799 2622-8932 2622-9142 2630-7891 2630-7894 2630-7895 2630-7908 2630-7918 2630-7928 2630-8980 2631-7754 2631-7756 2631-7768 2631-7774 2631-7777 2631-7807 2631-7841 2631-7845 2631-8140 2631-8180 2631-8208 2631-8214 2631-8231 2631-8251 2631-8260 2631-8267 2631-8274 2631-8296 2631-8448 2631-8481 2631-8499 2631-9063 2631-9108 2632-8155 2632-8158 2632-8163 2632-8170 2632-9022 2632-9086 2640-7175 2640-8076 2640-8115 2641-7124 2641-7126 2641-7127 2641-7143 2641-7150 2641-7154 2641-7215 2641-7216 2641-7430 2641-7848 2641-7899 2642-7118 2642-7119 2642-7128 2642-7129 2642-7130 2642-7134 2642-7139 2642-7146 2642-7151 2642-7161 2642-7828 2642-7833 2642-7907 2642-7935 2642-7960 2642-8018 2642-8138 2650-7051 2650-7053 2650-7054 2650-7057 2650-7059 2650-7067 2650-7075 2650-7534 2650-7582 2650-7598 2651-7603 2651-7608 2652-7000 2652-7017 2652-7022 2652-7034 2652-7076 2652-7081 2652-7305 2652-7309 2652-7457 2652-7467 2652-7472 2652-7476 2652-7485 2652-8182 2653-7091 2653-7105 2653-7106 2653-7112 2653-7698 2653-7702 2653-7728 2653-7740 2653-7751 2653-7795 2653-7796 2653-7816 2654-7015 2654-7039 2654-7080 2654-7084 2654-7328 2654-7332 2654-7337 2654-7340 2654-7347 2654-7348 2654-7349 2654-7350 2654-7351 2654-7354 2654-7366 2654-7371 2654-7373 2654-7381 2654-7382 2654-7395 2654-7403 2654-7422 2654-7491 2654-7644 2654-8188 2654-8238 2660-8007 2660-8009 2660-8020 2670-7878 2670-8032 2670-8052 2670-8061 2670-8083 2670-8194 2670-8327 2670-8332 2670-8414 2670-8776 2670-9006 2670-9045 2670-9059 2670-9062 2670-9069 2670-9076 2670-9102 2710-7058 2710-7090 2710-7092 2710-7095 2710-7097 2710-7101 2710-7103 2710-7106 2710-7110 2710-7119 2710-7122 2710-7125 2710-7127 2710-7140 2710-7141 2710-7739 2710-7809 2710-7814 2710-7871 2710-7974 2710-8030 2710-8068 2710-8126 2710-8136 2710-8149 2710-8150 2710-8152 2710-8156 2710-9308 2711-7015 2711-7026 2711-7039 2711-7041 2711-7161 2711-7162 2711-7167 2711-7226 2711-7227 2711-7252 2711-7264 2711-7266 2711-7298 2711-7303 2711-7317 2711-7345 2711-7349 2711-7362 2711-7372 2711-7598 2711-7622 2711-8256 2711-8312 2711-8364 2711-8456 2711-8657 2711-8828 2711-8938 2711-9015 2711-9231 2712-7411 2712-7412 2712-7424 2712-9062 2712-9064 2712-9135 2712-9159 2719-7001 2719-7006 2719-7017 2719-7028 2719-7029 2719-7031 2719-7044 2719-7150 2719-7152 2719-7182 2719-7188 2719-7189 2719-7206 2719-7211 2719-7214 2719-7231 2719-7240 2719-7246 2719-7250 2719-7267 2719-7289 2719-7291 2719-7312 2719-7348 2719-7354 2719-7376 2719-7401 2719-7403 2719-7422 2719-7429 2719-7595 2719-7919 2719-8342 2719-8383 2719-8392 2719-8413 2719-8416 2719-8522 2719-8549 2719-8672 2719-8722 2719-8845 2719-8865 2719-8885 2719-8911 2719-9019 2719-9025 2719-9029 2719-9221 2719-9268 2720-7122 2720-7798 2720-7826 2720-7849 2720-7882 2724-7107 2724-7116 2724-7117 2724-7139 2724-7147 2724-7165 2724-7166 2724-7184 2724-7623 2724-7634 2724-7639 2724-7640 2724-7642 2724-7643 2724-7646 2724-7652 2724-7670 2724-7691 2724-7726 2724-7730 2724-7739 2724-7748 2724-7754 2724-7770 2724-7966 2724-7986 2724-7987 2724-8004 2724-8013 2724-8021 2724-8030 2724-8033 2724-8034 2724-8039 2724-8042 2724-8046 2724-8050 2724-8057 2724-8064 2724-8066 2724-8079 2724-8097 2724-8100 2724-8101 2724-8126 2724-8136 2724-8138 2724-8151 2724-8156 2724-8158 2724-8182 2724-8196 2724-8203 2724-8226 2724-8251 2724-8267 2724-8277 2724-8283 2724-8301 2724-8306 Group 1(cont) 2724-8307 2724-8310 2724-8316 2724-8319 2724-8326 2724-8327 2724-8334 2724-8348 2724-8384 2724-8416 2724-8417 2724-8424 2724-8430 2724-8455 2724-8460 2724-8464 2724-8470 2724-8479 2724-8485 2724-8513 2724-8537 2724-8540 2724-8542 2724-8594 2724-8616 2724-8617 2724-8642 2724-8644 2724-8662 2724-8672 2730-7027 2730-7384 2730-7391 2730-7393 2730-7395 2730-7397 2730-7405 2730-7406 2730-7433 2730-7445 2739-7010 2739-7011 2739-7049 2739-7058 2739-7287 2739-7293 2739-7335 2739-7351 2739-7363 2739-7370 2739-7454 2739-7456 2739-7458 2739-7470 2739-7504 2739-7567 2739-7643 2739-7648 2740-7375 2740-7381 2740-7383 2740-7404 2740-7429 2740-7430 2740-7460 2740-8653 2749-7002 2749-7005 2749-7014 2749-7019 2749-7026 2749-7035 2749-7038 2749-7058 2749-7061 2749-7062 2749-7063 2749-7064 2749-7068 2749-7071 2749-7077 2749-7079 2749-7081 2749-7087 2749-7099 2749-7176 2749-7180 2749-7288 2749-7312 2749-7319 2749-7331 2749-7346 2749-7358 2749-7507 2749-7621 2750-7005 2750-7125 2750-7177 2750-7728 2750-7973 2750-8008 2750-8025 2750-8052 2750-8264 2759-7081 2759-7098 2759-7100 2759-7108 2759-7148 2759-7149 2759-7182 2759-7183 2759-7665 2759-7772 2759-7774 2759-7816 2759-7822 2759-7839 2759-7906 2759-7907 2759-7917 2759-7932 2759-7936 2759-8108 2759-8115 2759-8124 2759-8128 2759-8137 2759-8155 2759-8172 2759-8205 2759-8240 2759-8259 2810-7077 2810-7090 2810-7098 2810-7108 2810-7122 2810-7344 2810-8099 2810-8146 2810-8153 2810-8173 2810-8242 Exhibit it F it 2810-8294 2812-7105 2812-7113 2812-7117 2812-7126 2812-7143 2812-7145 2812-7678 2813-7162 2813-7197 2813-7200 2813-7201 2813-7809 2815-7290 2815-7298 2815-7325 2815-7327 2815-7368 2815-8041 2815-8639 2819-7088 2819-7130 2819-7135 2819-7142 2820-7423 2820-7502 2820-7513 2820-7528 2820-7566 2829-7006 2829-7018 2829-7020 2829-7402 2829-7416 2829-7483 2830-7178 2830-7182 2830-7808 2830-7871 2830-7884 2830-7888 2830-7915 2830-7921 2830-7927 2830-7929 2830-7932 2830-7935 2830-7938 2830-7939 2830-7960 2830-7972 2830-8586 2830-8600 2839-7085 2839-7160 2839-7190 2839-7191 2839-7202 2839-7207 2839-7212 2839-7223 2839-7243 2839-7835 2839-7836 2839-7844 2839-7856 2839-7861 2839-7982 2839-7983 2839-7987 2839-7992 2839-7996 2839-8000 2839-8003 2839-8010 2839-8013 2839-8022 2839-8023 2839-8582 2840-7378 2840-8446 2840-8493 2840-8507 2840-8517 2840-8653 2841-7014 2841-7045 2841-7413 2842-7264 2842-7265 2842-7267 2842-7391 2842-7407 2842-8316 2842-8320 2843-7376 2843-7383 2843-8378 2843-8399 2863-7166 2863-7399 2865-7333 2865-8092 2910-7437 2910-7450 2910-7467 2910-7469 2910-7471 2910-7497 2910-7505 2910-7512 2910-7545 2911-7296 2911-7310 2912-7005 2912-7027 2912-7063 2912-7332 2912-7394 2912-7395 2912-7396 2912-7410 2912-7411 2912-7648 2912-8156 2913-7816 2913-7838 2913-7853 2913-7860 2913-7889 2913-7912 2914-7102 2914-7106 2914-7113 2914-7943 2914-7977 2914-7990 2914-8014 2914-8143 2914-8154 2915-7127 2915-7142 2915-8069 2915-8071 2918-7133 2929-7742 2918-8041 2918-8049 2918-8076 2918-8090 2918-8104 2918-8120 2919-7132 2919-7146 2919-7345 2919-7362 2919-7364 2919-7368 2919-7375 2919-7417 2919-7419 2919-7524 2919-7532 2919-7567 2920-7751 2920-7756 2920-7761 2921-7666 2921-7707 2921-7710 2921-7721 2921-7763 2921-7770 2921-7772 2921-7799 2921-7801 2929-7074 2929-7075 2929-7676 2929-7684 2929-7686 2929-7687 2929-7696 2929-7698 2929-7700 2929-7711 2929-7715 2929-7720 2929-7727 2929-7729 2929-7730 2929-7733 2929-7734 2929-7746 2929-7765 2929-7766 2929-7767 2929-7774 2929-7778 2929-7783 2929-7789 2929-7800 2960-7573 2960-7581 2960-7582 2960-7585 2960-7609 2960-7638 2960-7640 2960-8151 3010-7085 3010-7089 3010-7159 3010-7163 3010-7855 3010-7858 3010-7876 3010-7887 3010-8092 3011-7064 3011-7066 3011-7094 3011-7098 3011-7100 3011-7112 3011-7774 3011-7775 3011-7801 3011-7802 3011-7819 3011-7828 3011-7833 3011-7893 3011-7902 3011-7926 3011-7935 3011-7956 3011-7958 3011-7983 3011-7996 3011-8011 3011-8018 3011-8023 3011-8917 3012-7151 3012-7152 3012-7173 3012-7178 3012-7180 3020-7414 3020-7512 3020-7528 3020-7530 3020-7536 3020-7593 3020-7600 3020-7622 3021-7034 3021-7046 3021-7047 3021-7373 3021-7405 3021-7472 3021-7668 3021-7682 3021-8867 3022-8403 3022-8405 3022-8408 3022-8409 3023-7301 3023-7311 3023-8695 3030-8500 3030-8519 3030-8523 3030-8542 3030-8552 3030-8565 3031-7265 3031-7266 3031-8457 3031-8465 3031-8479 3031-8492 3031-8498 3031-8575 3031-8767 3039-8605 3039-8614 3039-8620 3039-8621 3039-8626 3039-8631 3040-8287 3040-8292 3040-8299 3040-8300 3040-8307 3040-8325 3040-8326 3040-8330 3040-8337 3040-8339 3040-8349 3041-8210 3041-8211 3041-8218 3041-8359 3049-7197 3049-7199 3049-8213 3049-8217 3049-8220 3049-8222 3049-8225 3049-8226 3049-8231 3049-8235 3049-8244 3049-8246 3049-8252 3049-8253 3049-8255 3049-8257 3049-8258 3049-8268 3049-8280 3049-8724 3049-8729 3070-7000 3070-7002 3070-7005 3070-7242 3070-7244 3070-7409 Group 1(cont) 3070-7412 3070-7439 3070-7448 3070-7453 3070-7525 3070-7688 3070-7705 3070-7709 3070-7721 3070-7725 3070-7727 3070-7748 3070-8366 3070-8369 3070-8387 3070-8421 3070-8424 3070-8434 3070-8441 3070-8443 3070-8662 3070-8671 3070-8745 3070-8761 3070-8771 3070-8875 3070-8877 3110-7885 3110-7887 3110-7905 3110-7927 3110-7930 3110-7933 3110-7953 3110-7957 3110-7993 3110-8039 3111-7529 3111-7551 3111-7552 3111-7565 3111-7588 3111-7593 3111-7602 3113-7117 3113-7225 3113-7274 3113-7651 3113-7652 3113-7678 3113-8085 3113-8786 3119-7170 3119-7177 3119-7223 3119-7252 3119-7265 3119-7320 3119-7367 3119-7403 3119-7702 3119-7881 3119-8072 3119-8153 3119-8156 3119-8161 3119-8169 3119-8174 3119-8574 3119-8578 3119-8585 3119-8907 3119-8931 3119-8934 3119-8964 3119-8985 3119-9005 3119-9314 3119-9333 3120-8094 3120-8100 3122-7037 3122-7045 3122-7046 3122-7047 3122-7608 3130-7192 3130-7437 3130-7449 3130-7751 3130-8063 3130-8319 3130-8341 3130-8346 3130-8357 3130-8358 3130-8377 3130-8412 3130-8465 3130-8467 3130-8492 3130-8723 3130-8728 3130-9056 3130-9096 3130-9315 3131-7257 3131-7267 3131-7291 3131-7377 3131-7379 3131-7393 3131-7762 3131-7772 3131-8260 3131-8261 3131-8336 3131-8667 3131-8757 3131-8762 3131-8764 3131-8917 3131-8944 3131-9264 3140-7426 3140-7846 3140-8550 3140-8831 3140-8859 3140-8871 3140-8886 3140-8968 3149-7311 3149-7341 3149-7354 3149-7359 3149-7400 3149-7407 3149-7713 3149-7717 3149-7718 3149-7809 3149-7859 3149-8087 Exhibit "F4 3149-8269 3149-8629 3149-8895 3149-9016 3163-8649 3210-7082 3210-7112 3210-7593 3210-7594 3210-7599 3210-7604 3210-7614 3210-7619 3210-7623 3210-7628 3210-7629 3210-7631 3210-7632 3210-7641 3210-7650 3210-7652 3210-7664 3210-8166 3211-7028 3211-7044 3211-7059 3211-7083 3211-7097 3211-7126 3211-7127 3211-7139 3211-7168 3211-7173 3211-7174 3211-7175 3211-7177 3211-7196 3211-7198 3211-7214 3211-7216 3211-7218 3211-7224 3211-7237 3211-7253 3211-7257 3211-7259 3211-7276 3211-7280 3211-7282 3211-7307 3211-7308 3211-7318 3211-7320 3211-7338 3211-7340 3211-7351 3211-7356 3211-7360 3211-7367 3211-7374 3211-7379 3211-7400 3211-7407 3211-7414 3211-7415 3211-7426 3211-7437 3211-7449 3211-7459 3211-7460 3211-7464 3211-7473 3211-7477 3211-7484 3211-7486 3211-7490 3211-7517 3211-7526 3211-7531 3211-7548 3211-7558 3211-7561 3211-7562 3211-7571 3211-7575 3211-7580 3211-7626 3211-7675 3211-7686 3211-7691 3211-7697 3211-7743 3211-7750 3211-7756 3211-7758 3211-7770 3211-7796 3211-7801 3211-7802 3211-7805 3211-7815 3211-7834 3211-7847 3211-7851 3211-8037 3211-8051 3211-8127 3211-8149 3211-8150 3212-8019 3212-8026 3212-8028 3213-7076 3213-7864 3213-7865 3213-7866 3213-7867 3213-7875 3213-7892 3213-7895 3213-7899 3213-7902 3213-7906 3213-7907 3213-7910 3213-7911 3213-7915 3213-7929 3213-7950 3213-7954 3213-7975 3213-7985 3213-8001 3213-8009 3213-8063 3213-8123 3214-8161 3220-7001 3220-7023 3220-7059 3220-7078 3220-7187 3220-7623 3220-7715 3220-7755 3220-7776 3220-7783 3220-7807 3220-7829 3220-7832 3220-7834 3220-7839 3220-7841 3220-7844 3220-7847 3220-7849 3220-7880 3220-7893 3220-7897 3220-7899 3220-7913 3220-7915 3220-7932 3220-7935 3220-7945 3220-7948 3220-7955 3220-7971 3220-7975 3220-8459 3220-8531 3221-7210 3221-7215 3221-7232 3221-7273 3221-7279 3221-7492 3221-7497 3221-7498 3221-8517 3222-7005 3222-7026 3222-7045 3222-7051 3222-7052 3222-7072 3222-7079 3222-7104 3222-7132 3222-7163 3222-7337 3222-7340 3222-7359 3222-7370 3222-7398 3222-7415 3222-7419 3222-7423 3222-7434 3222-7446 3222-7492 3222-7508 3222-7512 3222-7525 3222-7529 3222-7544 3222-7548 3222-7561 3222-7563 3222-7567 3222-7578 3222-7588 3222-7599 3222-7606 3222-7608 3222-7630 3222-7636 3222-7658 3222-7683 3222-7686 3222-7687 3222-7694 3222-7728 3222-7987 3222-7992 3222-7998 3222-8005 3222-8018 3222-8022 3222-8027 3222-8037 3222-8054 3222-8069 3222-8072 3222-8092 3222-8105 3222-8119 3222-8121 3222-8124 3222-8129 3222-8132 3222-8137 3222-8142 3222-8143 3222-8145 3222-8146 3222-8148 3222-8157 3222-8158 3222-8160 3222-8163 3222-8165 3222-8168 3222-8188 3222-8198 3222-8200 3222-8213 3222-8229 3222-8245 3222-8248 3222-8255 3222-8260 3222-8263 3222-8271 3222-8276 3222-8296 3222-8297 3222-8304 3222-8307 3222-8317 3222-8318 3222-8322 3222-8350 3222-8351 3222-8352 3222-8359 3222-8369 3222-8371 3222-8379 3222-8383 3222-8389 3222-8390 3222-8399 3222-8469 3222-8502 3222-8548 3222-8566 3222-8583 3222-8612 3222-8643 3222-8644 3222-8648 3224-8402 3224-8414 3224-8426 3224-8427 3224-8430 3224-8440 3230-7495 3230-7501 3230-7509 3230-7518 3230-7525 3230-7532 3230-7537 3230-7543 3230-7564 3230-7588 3230-7595 3230-7601 3230-7613 3230-7615 3231-7319 3231-7331 3231-7336 3231-7386 3232-7027 3232-7031 3232-7142 3232-7149 3232-7419 3232-7422 3232-7423 3232-7425 3232-7426 3232-7444 3232-7445 3232-7451 3232-7456 3232-7470 3232-7477 3232-7486 3232-7494 3232-7630 3232-7634 3232-7638 Group 1(cont) 3232-7639 3232-7643 3232-7652 3233-7066 3233-8032 3233-8074 3233-8076 3233-8082 3233-8334 3233-8358 3240-7838 3240-7890 3240-7941 3240-7950 3240-7954 3241-7008 3241-7014 3241-7017 3241-7246 3241-7267 3241-7307 3241-7338 3241-7395 3241-8398 3241-8444 3243-7671 3243-7719 3243-7761 3243-7771 3243-7777 3243-7782 3250-7089 3250-7098 3250-7216 3250-8153 3250-8161 3250-8162 3250-8179 3250-8188 3250-8192 3250-8201 3250-8203 3250-8212 3250-8213 3250-8219 3250-8225 3250-8413 3251-7063 3251-7075 3251-7083 3251-7084 3251-7086 3251-7087 3251-7123 3251-8006 3251-8008 3251-8011 3251-8018 3251-8030 3251-8033 3251-8034 3251-8041 3251-8052 3251-8056 3251-8057 3251-8062 3251-8067 3251-8093 3251-8097 3251-8098 3251-8101 3251-8102 3251-8121 3251-8124 3251-8126 3251-8127 3251-8228 3251-8236 3251-8237 3251-8243 3251-8249 3251-8250 3251-8255 3251-8257 3251-8258 3251-8269 3251-8275 3251-8277 3251-8283 3251-8299 3251-8372 3251-8373 3251-8375 3251-8379 3251-8381 3252-7004 3252-7126 3252-7202 3252-7203 3252-7204 3252-7205 3252-7206 3252-7211 3252-7215 3252-7219 3252-7221 3252-7222 3252-7227 3252-7230 3252-7233 3252-7235 3252-8003 8000-0008 8000-0013 Exhibit it F it Group 2 Tier 1 Total RTs: 21714 Select Group 2 Tier 1 Transit Routing Numbers 0110-0020 0110-0039 0110-0123 0110-0174 0110-0255 0110-0287 0110-0709 0111-0001 0111-0010 0111-0080 0111-0089 0111-0091 0111-0152 0111-0175 0111-0308 0111-0309 0111-0404 0111-0420 0111-0432 0111-1067 0112-0002 0112-0036 0112-0060 0112-0133 0112-0153 0113-0025 0113-0060 0113-0160 0113-0164 0113-0179 0113-0194 0113-0203 0113-0222 0113-0229 0113-0235 0113-0243 0113-0251 0113-0292 0113-0293 0113-0312 0113-0574 0113-0649 0113-0707 0113-7513 0114-0007 0114-0049 0114-0114 0114-0153 0114-0168 0114-0195 0114-0200 0114-0202 0115-0001 0115-0033 0115-0107 0116-0003 0116-0052 0116-0057 0118-0100 0118-0105 0118-0418 0119-0025 0119-0044 0119-0057 0119-0065 0119-0135 0119-0140 0119-0165 0210-0001 0210-0067 0210-0131 0210-0148 0210-0482 0211-0032 0211-0110 0211-0142 0211-0143 0211-0147 0211-0327 0211-0993 0211-1308 0211-1426 0211-7266 0212-0009 0212-0040 0212-0055 0212-0095 0212-0098 0212-0101 0212-0138 0212-0150 0212-0194 0212-0216 0212-0217 0212-0219 0212-0260 0212-0296 0212-0331 0212-0334 0212-0350 0212-0368 0212-0379 0212-0440 0212-0465 0212-0501 0212-0525 0212-0537 0212-0587 0212-0653 0212-0656 0212-0671 0212-0704 0212-0705 0212-0713 0212-0716 0212-0720 0212-0723 0212-0728. 0212-0741 0212-0999 0212-1000 0212-1004 0212-1304 0212-1323 0212-1333 0212-1475 0212-7265 0212-7267 0213-0001 0213-0007 0213-0033 0213-0038 0213-0042 0213-0055 0213-0062 0213-0064 0213-0070 0213-0077 0213-0108 0213-0167 0213-0186 0213-0256 0213-0262 0213-0297 Exhibit it F it 0213-0682 0213-0770 0213-1003 0.213-1310 0214-0446 0214-0666 0214-0846 0214-0956 0214-1008 0214-1069 0214-1211 0214-1393 0214-7302 0219-0032 0219-0174 0219-0235 0219-0584 0219-0597 0219-0693 0219-0757 0219-0828 0219-1090 0219-7301 0220-0002 0220-0012 0220-0083 0223-0001 0223-0016 0223-0018 0223-0122 0223-0125 0223-1300 0260-0262 0260-0497 0260-0505 0260-0509 0260-0565 0260-0679 0260-0750 0260-0758 0260-0788 0260-0885 0260-0959 0260-1150 0260-1288 0260-1289 0260-1379 0260-1395 0260-7298 0260-7307 0280-0032 0280-0108 0280-0148 0310-0001 0310-0002 0310-0003 0310-0005 0310-0009 0310-0050 0310-0089 0310-0117 0311-0004 0311-0008 0311-0009 0311-0013 0311-0017 0311-0022 0311-0035 0311-0046 0311-0047 0311-0049 0311-0086 0311-0097 0311-0100 0311-0101 0311-0114 0311-0115 0311-0118 0311-0120 0312-0073 0312-0077 0312-0111 0312-0132 0312-0137 0312-0146 0312-0208 0312-0277 0312-0305 0312-0332 0312-0506 0312-0508 0312-0591 0312-0595 0312-0760 0312-0763 0312-0764 0312-0780 0312-8882 0313-0001 0313-0046 0313-0057 0313-0066 0313-0082 0313-0083 0313-0105 0313-0119 0313-0131 0313-0142 0313-0153 0313-0154 0313-0159 0313-0196 0313-0213 0313-0244 0313-0260 0313-0263 0313-0269 0313-0274 0313-0278 0313-0281 0313-0295 0313-0405 0313-0472 0313-0534 0313-0559 0313-0574 0313-0610 0313-0613 0313-0616 0313-0679 0313-0736 0313-0786 0313-0931 0313-0938 0313-1273 0313-1326 0313-1356 0313-1362 0313-1449 0313-1627 0313-1702 0313-1738 0313-1859 0313-1860 0313-1861 0313-1905 0319-0148 0319-0168 0319-0183 0319-0192 0319-0209 0319-0259 0319-0292 0319-0293 0319-1278 0319-1343 0360-0180 0360-0242 0360-7615 0410-0015 0410-0103 0410-0124 0410-0220 0410-0271 0412-0005 0412-0008 0412-0014 0412-0045 0412-0055 0412-0076 0412-0111 0412-0151 0412-0170 0412-0190 0412-0193 0412-0199 0412-0200 0412-0211 0412-0258 0412-0263 0412-0266 0412-0270 0412-0292 0412-0337 0412-0381 0412-0382 0412-0389 0412-0416 0412-0471 0412-0529 0412-0552 0412-0563 0412-0567 0412-0643 0412-0704 0412-1065 0412-1098 0412-1129 0412-1138 0412-1381 0412-1468 0412-1501 0412-1503 0412-1527 0412-1553 0412-1571 0412-1577 0412-8453 0420-0001 0420-0031 0420-0039 0420-0042 0420-1542 0421-0004 0421-0017 0421-0018 0421-0019 0421-0023 0421-0027 0421-0113 0421-0119 0421-0192 0421-0209 0421-0211 0421-0225 0421-0226 0421-0229 0421-0324 0421-0424 0421-0706 0421-7448 0422-0027 0422-0029 0422-0091 0422-0137 0422-0178 0422-0194 0422-0219 0422-0226 0422-0242 0422-0503 0422-0730 0422-0773 0422-1017 0422-1506 0422-1524 0423-0542 0423-0722 0423-1547 0430-0009 0430-0012 0430-0026 0430-0063 0430-0071 0430-0102 0430-0202 0430-0290 0430-1886 0432-0507 0432-0701 0433-0071 0433-0073 0433-0121 0433-0160 0433-0162 0433-0187 0433-0249 0433-0344 0433-0383 0433-0388 0433-0423 0433-0513 0433-0682 0433-0840 0433-0862 0433-0997 0433-1028 0433-1416 0433-1756 0433-1767 0433-1809 0433-7458 0434-0003 0434-0119 0434-0163 0434-0328 0440-0001 0440-0002 0440-0064 0440-0080 0440-0216 0440-0267 0440-0280 0441-0116 0441-0130 0441-0236 0441-0297 0441-0352 0441-0694 0441-0864 0441-1118 0441-1509 0441-1512 0441-1551 0441-1580 0442-0250 0442-0385 0442-0728 0442-1216 0510-0001 0510-0002 0510-0010 0510-0025 0510-0032 0510-0141 0510-0524 0510-0677 0510-0929 0514-0036 0514-0050 0514-0054 0514-0064 0514-0070 0514-0073 0514-0127 0514-0133 0514-0236 0514-0265 0514-0342 0514-0351 0514-0363 0514-0391 0514-0411 0514-0426 0514-0496 0514-0498 Group 2 Tier 1(cont) 0514-0528 0514-0705 0515-0056 0515-0075 0515-0174 0515-0245 0515-0339 0515-0454 0515-0466 0519-0170 0519-0232 0519-0376 0519-0452 0520-0001 0520-0011 0520-0016 0520-0061 0520-0089 0520-0163 0520-0196 0520-0216 0521-0040 0521-0072 0521-0089 0521-0092 0521-0097 0521-0110 0521-0158 0521-0221 0521-0259 0521-7346 0522-0434 0530-0018 0530-0019 0530-0021 0530-0393 0530-1202 0531-0002 0531-0003 0531-0025 0531-0035 0531-0040 0531-0046 0531-0049 0531-0052 0531-0055 0531-0069 0531-0073 0531-0085 0531-0112 0531-0127 0531-0129 0531-0130 0531-0139 0531-0141 0531-0152 0531-0153 0531-0156 0531-0162 0531-0171 0531-0246 0531-0270 0531-0484 0531-0763 0531-0796 0531-0798 0531-0858 0531-0908 0531-0920 0531-0950 0531-1011 0531-1030 0531-1040 0531-1050 0531-1051 0531-1073 0531-1163 0531-1165 0531-1172 0531-1184 0531-1199 0531-1200 0531-1259 0532-0001 0532-0006 0532-0044 0532-0160 0532-0161 0532-0180 0532-0181 0532-0188 0532-0203 0532-0730 0532-0776 0532-7407 0539-0022 0539-0037 0539-0147 0539-0150 0539-0219 0539-0448 0540-0003 0540-0004 0540-0055 0540-0080 0540-0120 0540-0122 0540-0154 0540-0158 0540-0170 0540-0172 0550-0011 0550-0016 0550-0026 0550-0028 0550-0037 0550-0061 0550-0065 0550-0077 0550-0105 0550-0112 0550-0115 0550-0138 0550-0169 0550-0176 0550-0187 0550-0224 0550-0228 0550-0233 0550-0234 0550-0248 0550-0253 0550-0255 0550-0270 0550-0286 0550-0309 0550-0316 0550-0320 0550-0327 0550-0330 0550-0349 0550-7355 0560-0101 0560-0408 Exhibit "F" 0560-0424 0560-0472 0560-0531 0560-0738 0560-0760 0560-0885 0560-0911 0560-0926 0560-0948 0560-7350 0570-0066 0610-0001 0610-0005 0610-0007 0610-0010 0610-0022 0610-0025 0610-0132 0610-0358 0610-0381 0610-2031 0611-0079 0611-0115 0611-0137 0611-0173 0611-0248 0611-0256 0611-0263 0611-0279 0611-0280 0611-0305 0611-0311 0611-0326 0611-0352 0611-0359 0611-0361 0611-0362 0611-0389 0611-0396 0611-0414 0611-0436 0611-0441 0611-0456 0611-0471 0611-0486 0611-0706 0611-1019 0611-1089 0611-1106 0611-1244 0611-1288 0611-1327 0611-1341 0611-1942 0611-1959 0611-1996 0611-2072 0611-2074 0611-9263 0612-0052 0612-0086 0612-0272 0612-0403 0612-0457 0612-0975 0613-0036 0613-0171 0613-0241 0613-0728 0620-0001 0620-0008 0620-0118 0620-0131 0620-0397 0620-0409 0620-0569 0621-0097 0621-0137 0621-0141 0621-0146 0621-0148 0621-0227 0621-0293 0621-0313 0621-0555 0621-0597 0622-0036 0622-0038 0622-0046 0622-0062 0622-0069 0622-0075 0622-0078 0622-0088 0622-0106 0622-0108 0622-0111 0622-0113 0622-0114 0622-0116 0622-0122 0622-0136 0622-0149 0622-0160 0622-0181 0622-0200 0622-0213 0622-0215 0622-0217 0622-0253 0622-0256 0622-0273 0622-0276 0622-0280 0622-0295 0622-0304 0622-0322 0622-0373 0622-0374 0622-0375 0622-0398 0622-0472 0622-0478 0622-0479 0622-0519 0622-0590 0622-0619 0622-0641 0630-0002 0630-0004 0630-0005 0630-0956 0630-1308 0630-1392 0630-1615 0631-0027 0631-0055 0631-0062 0631-0068 0631-0071 0631-0116 0631-0215 0631-0319 0631-0391 0631-0421 0631-0446 0631-0466 0631-0469 0631-0497 0631-0502 0631-0568 0631-0579 0631-0597 0631-0600 0631-0612 0631-0614 0631-0626 0631-0644 0631-0662 0631-0739 0631-0749 0631-0761 0631-0818 0631-0860 0631-0892 0631-0905 0631-0942 0631-0943 0631-0993 0631-1005 0631-1009 0631-1024 0631-1105 0631-1116 0631-1210 0631-1224 0631-1229 0631-1283 0631-1287 0631-1305 0631-1322 0631-1326 0631-1350 0631-1365 0631-1372 0631-1377 0631-1384 0631-1458 0631-1512 0631-1517 0631-1519 0631-1552 0631-1563 0631-1573 0631-1649 0631-1658 0632-0040 0632-0104 0632-0106 0632-0666 0632-0746 0632-1011 0632-1012 0640-0001 0640-0002 0640-0004 0640-0005 0640-0228 0640-0339 0640-0376 0640-0396 0640-0520 0640-0944 0641-0067 0641-0085 0641-0090 0641-0117 0641-0138 0641-0139 0641-0143 0641-0155 0641-0157 0641-0167 0641-0239 0641-0281 0641-0303 0641-0307 0641-0355 0641-0357 0641-0359 0641-0370 0641-0383 0641-0387 0641-0402 0641-0435 0641-0527 0641-0564 0641-0656 0641-0704 0641-0708 0641-0737 0641-0791 0641-0824 0641-0838 0641-0875 0642-0076 0642-0091 0642-0093 0642-0126 0642-0132 0642-0145 0642-0156 0642-0188 0642-0271 0642-0361 0642-0362 0642-0434 0642-0591 0642-0719 0642-0729 0642-0777 0642-0789 0642-0798 0642-0804 0642-0816 0642-0819 0642-0826 0650-0009 0650-0107 0650-0142 0650-0203 0650-0254 0650-0345 0651-0029 0651-0148 0651-0332 0651-0461 0652-0018 0652-0022 0652-0024 0652-0028 0652-0034 0652-0087 0652-0104 0652-0106 0652-0111 0652-0116 0652-0134 0652-0256 0652-0279 0652-0446 0652-0476 0652-0488 0653-0002 0653-0046 0653-0069 0653-0081 0653-0092 0653-0110 0653-0115 0653-0119 0653-0160 0653-0194 0653-0204 0653-0270 0653-0295 0653-0306 0653-0543 0653-0590 0654-0014 0654-0068 0654-0071 0654-0075 0654-0089 0654-0100 0654-0118 0654-0119 0654-0124 0654-0136 0654-0154 0654-0160 0654-0171 0654-0192 0654-0200 0654-0216 0654-0231 0654-0233 0654-0236 0654-0249 0654-0289 0654-0342 0654-0362 0654-0387 0654-0441 0654-0491 0654-0511 Group 2 Tier 1(cont) 0654-0513 0654-0525 0654-0541 0655-0278 0660-0058 0660-0219 0660-0531 0660-0550 0660-0768 0660-1037 0660-1408 0670-0101 0670-0109 0670-0151 0670-0222 0670-0243 0670-0367 0670-0398 0670-0476 0670-0547 0670-0567 0670-0606 0670-0607 0670-0617 0670-0623 0670-0643 0670-0713 0670-0724 0670-0770 0670-0775 0670-0794 0670-0841 0670-0857 0670-0858 0670-0864 0670-0909 0670-0939 0670-1016 0670-1058 0670-1113 0670-1114 0670-1166 0670-1202 0670-1209 0670-1288 0670-1337 0670-1356 0670-1366 0670-1370 0670-1402 0670-1412 0670-1418 0670-1433 0670-1482 0670-1547 0670-1585 0670-9171 0670-9178 0670-9213 0670-9223 0710-0003 0710-0015 0710-0028 0710-0050 0710-0052 0710-0085 0710-0104 0710-0109 0710-0116 0710-0127 0710-0163 0710-0173 0710-0204 0710-0205 0710-0214 0710-0221 0710-0250 0710-0271 0710-0416 0710-0420 0710-0423 0710-0424 0710-0428 0710-0437 0710-0438 0710-0452 0711-0001 0711-0004 0711-0032 0711-0069 0711-0070 0711-0071 0711-0103 0711-0104 0711-0117 0711-0130 0711-0196 0711-0199 0711-0218 0711-0232 0711-0256 0711-0299 0711-0361 0711-0471 0711-0688 0711-0940 0711-2147 0711-2214 0711-2239 0711-2266 0711-2338 0711-2558 0711-2622 0712-0053 0712-0164 0712-1412 0712-1457 0719-0045 0719-0059 0719-0066 0719-0079 0719-0082 0719-0088 0719-0160 0719-0179 0719-0188 0719-0262 0719-0287 0719-0312 0719-0435 0719-0437 0719-0447 0719-0462 0719-0477 0719-0488 0719-0504 0719-0509 0719-0561 0719-0584 0719-0598 0719-0657 0719-0802 0719-0859 0719-0882 Exhibit "F" 0719-0886 0719-0919 0719-0921 0719-0924 0719-0925 0719-0936 0719-1002 0719-1141 0719-1158 0719-1178 0719-1281 0719-1365 0719-1373 0719-1558 0719-1640 0719-1660 0719-1691 0719-1723 0719-1732 0719-1815 0719-1828 0719-1830 0719-1911 0719-1913 0719-1946 0719-2016 0719-2055 0719-2065 0719-2117 0719-2153 0719-2169 0719-2179 0719-2183 0719-2194 0719-2222 0719-2229 0719-2234 0719-2237 0719-2242 0719-2247 0719-2267 0719-2269 0719-2277 0719-2295 0719-2296 0719-2300 0719-2302 0719-2307 0719-2319 0719-2325 0719-2328 0719-2331 0719-2332 0719-2354 0719-2369 0719-2370 0719-2374 0719-2390 0719-2400 0719-2418 0719-2458 0719-2489 0719-2504 0719-2506 0719-2515 0719-2516 0719-2521 0719-2522 0719-2523 0719-2524 0719-2574 0719-2583 0719-2585 0719-2592 0719-2610 0719-2611 0719-2617 0719-2625 0719-2652 0719-2680 0719-7437 0720-0009 0720-0033 0720-0080 0720-0091 0724-0005 0724-0035 0724-0042 0724-0044 0724-0067 0724-0070 0724-0100 0724-0103 0724-0104 0724-0106 0724-0140 0724-0158 0724-0160 0724-0168 0724-0183 0724-0203 0724-0211 0724-0219 0724-0234 0724-0236 0724-0265 0724-0269 0724-0270 0724-0278 0724-0283 0724-0285 0724-0347 0724-0363 0724-0390 0724-0452 0724-0478 0724-0484 0724-0545 0724-0566 0724-0676 0724-0700 0724-0712 0724-0766 0724-0798 0724-0843 0724-0850 0724-0870 0724-0979 0724-0988 0724-1012 0724-1016 0724-1055 0724-1164 0724-1217 0724-1235 0724-1265 0724-1277 0724-1297 0724-1298 0724-1313 0724-1317 0724-1325 0724-1329 0724-1337 0724-1350 0724-1356 0724-1360 0724-1367 0724-1373 0724-1375 0724-1387 0724-1388 0724-1404 0724-1409 0724-1425 0724-1429 0724-7188 0730-0007 0730-0017 0730-0022 0730-0054 0739-0008 0739-0043 0739-0212 0739-0249 0739-0288 0739-0384 0739-0511 0739-1127 0739-1358 0739-1859 0739-1984 0739-2151 0739-2176 0740-0006 0740-0007 0740-0014 0740-0016 0740-0051 0740-0104 0740-0667 0740-1407 0740-1421 0749-0019 0749-0027 0749-0065 0749-0078 0749-0100 0749-0167 0749-0189 0749-0230 0749-0234 0749-0330 0749-0333 0749-0335 0749-0356 0749-0371 0749-0376 0749-0389 0749-0395 0749-0413 0749-0418 0749-0419 0749-0439 0749-0477 0749-0540 0749-0546 0749-0553 0749-0662 0749-0672 0749-0682 0749-0731 0749-0766 0749-0847 0749-0859 0749-0935 0749-1079 0749-1248 0749-1257 0749-1280 0749-1284 0749-1298 0749-1323 0749-1366 0749-1371 0749-1445 0750-0002 0750-0005 0750-0010 0750-0073 0750-0094 0750-0119 0750-0549 0750-1019 0750-1253 0759-0014 0759-0046 0759-0057 0759-0086 0759-0090 0759-0108 0759-0112 0759-0127 0759-0135 0759-0148 0759-0171 0759-0172 0759-0199 0759-0206 0759-0234 0759-0262 0759-0353 0759-0370 0759-0493 0759-0543 0759-0562 0759-0600 0759-0659 0759-0724 0759-0819 0759-0957 0759-1020 0759-1052 0759-1088 0759-1118 0759-1119 0759-1120 0759-1160 0759-1192 0759-1198 0759-1206 0759-1216 0759-1223 0759-1264 0810-0003 0810-0021 0810-0070 0810-0072 0810-0098 0810-0100 0810-0109 0810-0138 0810-0141 0810-0171 0810-0172 0810-0451 0810-0459 0810-0475 0810-0546 0810-0605 0810-0619 0810-0981 0810-1086 0810-1693 0810-1879 0810-1910 0810-2520 0810-7450 0812-0275 0812-0287 0812-0387 0812-0455 0812-0456 0812-1113 0812-2149 0812-2570 0812-2682 0813-0154 0813-0294 0813-0382 0813-0564 0813-0936 0813-1166 0815-0049 0815-0087 0815-0091 0815-0106 0815-0126 0815-0142 0815-0255 0815-0282 0815-0289 0815-0339 0815-0350 0815-0482 0815-0586 0815-0707 0815-1414 0815-1769 0815-1789 0819-0221 0819-0480 0819-1803 0820-0007 0820-0010 0820-0054 Group 2 Tier 1(cont) 0820-0188 0820-0711 0820-0779 0829-0038 0829-0042 0829-0043 0829-0048 0829-0051 0829-0075 0829-0091 0829-0093 0829-0096 0829-0106 0829-0110 0829-0119 0829-0121 0829-0126 0829-0130 0829-0134 0829-0144 0829-0154 0829-0162 0829-0182 0829-0185 0829-0190 0829-0257 0829-0268 0829-0329 0829-0397 0829-0448 0829-0649 0829-0651 0829-0668 0829-0704 0829-0713 0829-0746 0829-0754 0829-0758 0829-0777 0829-0782 0829-0788 0829-0856 0829-0887 0830-0005 0830-0010 0830-0071 0830-0092 0830-0131 0830-0234 0830-0836 0830-0906 0830-7445 0839-0036 0839-0061 0839-0068 0839-0073 0839-0162 0839-0165 0839-0174 0839-0185 0839-0210 0839-0215 0839-0237 0839-0281 0839-0410 0839-0426 0839-0544 0839-0555 0839-0556 0839-0758 0839-0820 0839-1394 0839-7428 0839-7446 0840-0001 0840-0002 0840-0008 0840-0081 0840-0093 0840-0094 0840-0154 0840-0428 0840-0695 0840-0885 0840-7432 0841-0072 0841-0132 0841-0462 0841-0613 0841-0705 0841-0762 0841-0789 0841-0790 0842-0056 0842-0063 0842-0121 0842-0127 0842-0130 0842-0141 0842-0176 0842-0226 0842-0229 0842-0299 0842-0422 0842-0465 0842-0555 0842-0580 0843-0059 0843-0060 0843-0063 0843-0114 0843-0118 0843-0137 0843-0141 0843-0208 0843-0261 0843-0374 0843-0567 0843-0650 0843-0695 0863-0004 0865-0008 0865-0014 0865-0034 0865-0306 0865-1873 0910-0001 0910-0002 0910-0103 0910-0115 0910-0127 0910-1489 0910-1522 0910-1649 0910-7161 0911-0145 0911-0147 0912-0096 0912-0130 0912-0184 0912-0355 0912-0358 0912-1555 0912-1592 Exhibit it F it 0913-0001 0913-0002 0913-0003 0914-0004 0914-0068 0914-0850 0914-0948 0915-0140 0918-0029 0918-0254 0918-0329 0918-1125 0919-0001 0919-0046 0919-0049 0919-0069 0919-0109 0919-0866 0929-0038 0929-0298 0929-0455 0929-0516 0929-0527 0960-0075 0960-1679 1010-0001 1010-0003 1010-0007 1010-0018 1010-0069 1010-0117 1010-0168 1010-0191 1010-0331 1010-0603 1010-8929 1011-0002 1011-0004 1011-0015 1011-0042 1011-0054 1011-0057 1011-0063 1011-0085 1011-0103 1011-0231 1011-0372 1011-0722 1011-1226 1011-1293 1011-1368 1011-1407 1011-1481 1011-1482 1011-1501 1012-0003 1012-0045 1012-0051 1012-0092 1012-0095 1012-0568 1012-1156 1012-1763 1012-1870 1012-1885 1012-1901 1019-0154 1019-0165 1019-0182 1019-0194 1019-0209 1019-1766 1019-1824 1020-0002 1020-0007 1020-0090 1020-0093 1020-0096 1020-0156 1020-0275 1020-0320 1020-0451 1020-0591 1020-0602 1020-0637 1020-0640 1020-0729 1020-8992 1021-0091 1021-0151 1021-0164 1021-0311 1021-0399 1021-0526 1021-0581 1021-8928 1022-0022 1022-0124 1022-0252 1023-0024 1023-0109 1023-0120 1023-0716 1030-0001 1030-0061 1030-0080 1030-0145 1030-0180 1030-0209 1030-0363 1030-0916 1030-0957 1030-1284 1030-1290 1030-1296 1031-0021 1031-0061 1031-0087 1031-0095 1031-0101 1031-0102 1031-0110 1031-0120 1031-0135 1031-0137 1031-0154 1031-0158 1031-0160 1031-0173 1031-0175 1031-0185 1031-0198 1031-0207 1031-0210 1031-0216 1031-0219 1031-0220 1031-0229 1031-0230 1031-0232 1031-0234 1031-0236 1031-0245 1031-0248 1031-0249 1031-0259 1031-0273 1031-0296 1031-0302 1031-0310 1031-0314 1031-0324 1031-0330 1031-0333 1031-0350 1031-0357 1031-0360 1031-0376 1031-0412 1031-0413 1031-0422 1031-0429 1031-0448 1031-0454 1031-0481 1031-0482 1031-0487 1031-0488 1031-0494 1031-0511 1031-0519 1031-0521 1031-0539 1031-0548 1031-0553 1031-0563 1031-0609 1031-0616 1031-0618 1031-0628 1031-0677 1031-0740 1031-0741 1031-0748 1031-0762 1031-0824 1031-0844 1031-0875 1031-0920 1031-0926 1031-0937 1031-0939 1031-0950 1031-0952 1031-0958 1031-0971 1031-1004 1031-1023 1031-1039 1031-1081 1031-1090 1031-1115 1031-1125 1031-1161 1031-1203 1031-1235 1031-1242 1031-1245 1031-1250 1031-1251 1031-1255 1031-1285 1039-1266 1039-1288 1039-1295 1040-0001 1040-0002 1040-0005 1040-0048 1040-0084 1040-0085 1040-0180 1040-0289 1040-1412 1041-0157 1041-0209 1041-0287 1041-0528 1041-0887 1041-0973 1041-1240 1041-1303 1041-1366 1049-0004 1049-0032 1049-0034 1049-0045 1049-0052 1049-0067 1049-0072 1049-0091 1049-0093 1049-0114 1049-0156 1049-0161 1049-0166 1049-0199 1049-0211 1049-0236 1049-0339 1049-0444 1049-0583 1049-0623 1049-0808 1049-1034 1049-1079 1049-1301 1049-1316 1049-1328 1049-1349 1049-1391 1049-1397 1049-1401 1049-1408 1049-1411 1070-0015 1070-0026 1070-0027 1070-0032 1070-0062 1070-0078 1070-0079 1070-0090 1070-0105 1070-0106 1070-0107 1070-0113 1070-0125 1070-0145 1070-0167 1070-0180 1070-0181 1070-0196 1070-0214 1070-0219 1070-0226 1070-0231 1070-0250 1070-0253 1070-0260 1070-0284 1070-0301 1070-0302 1070-0329 1070-0335 1070-0360 1070-0361 1070-0366 1070-0414 1070-0435 1070-0438 1070-0445 1070-0461 1070-0463 1070-0478 1070-0504 1070-0525 1070-0529 1070-0531 1070-0548 1070-0549 1070-0560 1070-0580 1070-0592 1070-0597 1070-0598 1070-0605 1070-0630 1070-0634 1070-0636 1070-0639 1070-0643 1070-0644 1070-0651 1070-0655 1070-0665 1070-0666 1070-0681 1070-0690 1070-0693 1070-0694 1110-0001 1110-0075 1110-0080 1110-0118 1110-0420 Group 2 Tier 1(cont) 1110-0793 1110-1006 1110-1163 1110-1282 1110-1361 1110-1367 1110-1438 1110-1515 1110-1585 1110-1606 1110-1729 1110-1769 1110-2446 1110-2484 1110-2501 1110-2604 1110-9371 1111-0001 1111-0077 1111-0078 1111-0079 1111-0105 1111-0115 1111-0137 1111-0146 1111-0199 1111-0305 1111-0319 1111-0321 1111-0363 1111-0445 1111-0450 1111-0459 1111-0474 1111-0478 1111-0479 1111-0485 1111-0487 1111-0494 1111-0523 1113-0093 1113-0094 1113-0095 1113-0112 1113-0237 1113-0284 1113-0491 1113-0687 1113-0731 1113-0743 1113-0855 1113-0863 1113-1034 1113-1039 1113-1131 1113-1184 1113-1450 1113-1457 1113-1763 1113-1785 1113-2245 1113-2257 1113-2258 1113-2299 1113-2301 1113-2421 1119-0045 1119-0051 1119-0052 1119-0078 1119-0101 1119-0105 1119-0130 1119-0145 1119-0155 1119-0162 1119-0163 1119-0164 1119-0191 1119-0198 1119-0200 1119-0228 1119-0357 1119-0364 1119-0385 1119-0412 1119-0421 1119-0445 1119-0539 1119-0627 1119-0632 1119-0744 1119-0760 1119-0770 1119-0778 1119-0787 1119-0788 1119-0856 1119-0902 1119-0963 1119-1012 1119-1026 1119-1060 1119-1068 1119-1126 1119-1196 1119-1314 1119-1348 1119-1375 1119-1379 1119-1402 1119-1421 1119-1428 1119-1473 1119-1484 1119-1486 1119-1539 1119-1556 1119-1568 1119-1570 1119-1619 1119-1721 1119-1732 1119-1743 1119-1943 1119-2123 1119-2175 1119-2360 1119-2414 1119-2434 1119-2439 1119-2479 1119-2509 1119-2531 1120-0006 1120-0208 1120-0580 1120-0592 1122-0030 1122-0102 1122-0115 1122-0226 1122-0290 1122-0321 Exhibit it F it 1130-0084 1130-0088 1130-0093 1130-0125 1130-0126 1130-0144 1130-0218 1130-0294 1130-0336 1130-0339 1130-0554 1130-0696 1130-0846 1130-0876 1130-1021 1130-1054 1130-1193 1130-1221 1130-1250 1130-1490 1130-1526 1130-1540 1130-1594 1130-1599 1130-1734 1130-1787 1130-2313 1130-2394 1130-2427 1130-2450 1130-2452 1130-2491 1130-9386 1131-0004 1131-0071 1131-0073 1131-0177 1131-0180 1131-0213 1131-0230 1131-0232 1131-0269 1131-0343 1131-0372 1131-0452 1131-0536 1131-0544 1131-0547 1131-0572 1131-0695 1131-0847 1131-0889 1131-1024 1131-1037 1131-1078 1131-1137 1131-1190 1131-1412 1131-1638 1131-1776 1131-1801 1131-2232 1131-2265 1131-2403 1131-2463 1131-2466 1131-9353 1140-0001 1140-0009 1140-0065 1140-0071 1140-0085 1140-0981 1140-1614 1140-1712 1140-9359 1140-9364 1149-0002 1149-0016 1149-0031 1149-0068 1149-0136 1149-0278 1149-0308 1149-0411 1149-0497 1149-0732 1149-0901 1149-0992 1149-1116 1149-1228 1149-1288 1149-1316 1149-1644 1149-1918 1149-2141 1149-2194 1149-2322 1149-2401 1149-2411 1149-2473 1149-9373 1149-9378 1163-0737 1210-0040 1210-0049 1210-0186 1210-4222 1211-0078 1211-0108 1211-0388 1211-0825 1211-1342 1211-2267 1211-3268 1211-3374 1211-3677 1211-3678 1211-3752 1211-3874 1211-3921 1211-3968 1211-4027 1211-4071 1211-4074 1211-4082 1211-4093 1211-4104 1211-4110 1211-4128 1211-4153 1211-4181 1211-4182 1211-4251 1211-4262 1211-4290 1211-4311 1211-8173 1211-8179 1211-8186 1211-8190 1212-0015 1212-0165 1212-0169 1212-0218 1220-0061 1220-0351 1220-1606 1220-3708 1220-3717 1220-3827 1220-3844 1220-4118 1221-0101 1221-0119 1221-0170 1221-0404 1221-0506 1221-0515 1221-0521 1221-0524 1221-0527 1221-0534 1221-0537 1221-0546 1221-0552 1221-0554 1221-0559 1221-0564 1221-0574 1221-0575 1221-0581 1221-0585 1221-0594 1221-0612 1221-0618 1221-0621 1221-8707 1221-8716 1221-8723 1221-8744 1222-0119 1222-0477 1222-1261 1222-2050 1222-2059 1222-2693 1222-2881 1222-3222 1222-3582 1222-3603 1222-3768 1222-3770 1222-3795 1222-3807 1222-3868 1222-3957 1222-3958 1222-3978 1222-4041 1222-4050 1222-4120 1222-4201 1222-4217 1222-4260 1222-4265 1222-4284 1222-4305 1222-4370 1222-4392 1222-4491 1222-8717 1224-0072 1224-0171 1224-0172 1224-0178 1224-0204 1224-8730 1230-0006 1230-0016 1230-0022 1230-0084 1230-0201 1230-0680 1231-0371 1231-0372 1232-0104 1232-0212 1232-0292 1232-0505 1232-0605 1232-0651 1232-0656 1232-0667 1232-0671 1232-0678 1233-0537 1233-0616 1233-0855 1233-0882 1240-0001 1240-0004 1240-0073 1240-0273 1240-0297 1240-7194 1240-8467 1241-0006 1241-0155 1241-0376 1241-0379 1243-0010 1243-0215 1243-0300 1250-0002 1250-0010 1250-0011 1250-0057 1250-0639 1250-0816 1250-0854 1251-0007 1251-0010 1251-0246 1251-0657 1251-0762 1251-0845 1251-0849 1251-8474 1252-0005 1252-0087 1252-0094 2110-7011 2110-7014 2111-7000 2111-7010 2111-7011 2111-7015 2111-7035 2111-7036 2111-7412 2111-7423 2112-7445 2113-7009 2113-7023 2113-7025 2113-7035 2113-7044 2113-7047 2113-7049 2113-7054 2113-7058 2113-7059 2113-7084 2113-7092 2113-7120 2113-7142 2113-7147 2113-7163 2113-7207 2113-7218 2113-7235 2114-7007 2114-7031 2116-7253 2119-7002 2211-7251 2211-7261 2212-7029 2212-7031 2212-7034 2212-7070 2212-7086 2212-7102 2212-7109 2212-7124 2212-7146 2212-7244 2212-7258 2213-7003 2213-7010 2213-7063 2213-7079 2213-7088 2213-7116 2213-7117 2213-7124 2213-7182 2214-7109 2214-7110 2214-7122 2214-7132 2214-7185 2214-7186 2214-7197 2214-7277 Group 2 Tier 1(cont) 2214-7281 2219-7034 2219-7091 2219-7211 2223-7105 2223-7187 2260-7004 2260-7012 2260-7055 2260-7065 2260-7067 2260-7071 2260-7085 2260-7100 2260-7102 2260-7103 2260-7138 2260-7231 2260-7237 2260-7252 2260-7264 2312-7079 2313-7184 2313-7503 2313-7521 2313-7529 2313-7552 2360-7347 2360-7473 2410-7041 2410-7043 2410-7045 2410-7050 2410-7149 2410-7175 2410-7180 2412-7011 2412-7018 2412-7029 2412-7083 2412-7095 2412-7118 2412-7195 2412-7202 2412-7203 2412-7205 2412-7206 2412-7207 2420-7079 2420-7088 2420-7096 2420-7111 2420-7123 2420-7130 2420-7147 2420-7158 2420-7159 2420-7175 2420-7189 2420-7229 2420-7271 2420-7442 2421-7000 2421-7015 2421-7024 2422-7198 2422-7218 2422-7219 2422-7224 2422-7227 2422-7242 2422-7244 2422-7248 2422-7261 2422-7281 2422-7287 2430-7363 2430-7385 2433-7322 2433-7347 2433-7421 2434-7019 2434-7431 2440-7078 2440-7216 2440-7767 2441-7027 2441-7199 2441-7209 2520-7043 2520-7301 2530-7020 2531-7028 2531-7030 2532-7181 2532-7247 Exhibit "F" 2540-7001 2652-7031 2719-7406 2914-7959 3222-7032 2540-7011 2550-7035 2550-7198 2550-7212 2550-7220 2550-7242 2550-7293 2560-7270 2560-7336 2560-7337 2610-7131 2610-7132 2611-7002 2611-7040 2611-7050 2611-7074 2611-7079 2611-7116 2611-7130 2611-7138 2611-7158 2611-7167 2611-7475 2613-8358 2622-8652 2630-8979 2630-9112 2631-7017 2631-8281 2631-8445 2631-8535 2631-8631 2631-8654 2631-8687 2631-8966 2631-8978 2631-9075 2631-9081 2631-9138 2631-9167 2632-8455 2632-8714 2632-8724 2632-9057 2640-7159 2642-7142 2650-7055 2652-7041 2652-7234 2653-7108 2654-7036 2654-7038 2654-7210 2654-7220 2660-8655 2670-8376 2670-8419 2670-8561 2670-8605 2670-8711 2670-8735 2670-8974 2670-9053 2670-9061 2670-9122 2670-9125 2670-9166 2710-7051 2710-7056 2710-7060 2710-7073 2710-7078 2710-7079 2710-7080 2710-7115 2710-7129 2710-7132 2710-7133 2710-7135 2711-7169 2711-7275 2711-8370 2719-7156 2719-7173 2719-7181 2719-7238 2719-7257 2719-7271 2719-7282 2719-7284 2719-7340 2719-7377 2719-7378 2719-7393 2724-7109 2724-7112 2724-7136 2724-7143 2724-7150 2724-7154 2724-7155 2724-7167 2724-7183 2730-7003 2739-7051 2739-7074 2740-7043 2740-7048 2749-7006 2749-7007 2749-7017 2749-7018 2749-7031 2749-7066 2749-7080 2749-7083 2749-7084 2749-7093 2750-7131 2750-7138 2750-7139 2750-7140 2750-7176 2759-7152 2759-7158 2759-7163 2810-7280 2810-7345 2810-7354 2815-7321 2819-7147 2829-7043 2829-7400 2830-7183 2839-7203 2840-7379 2841-7051 2842-7397 2843-7381 2863-7171 2910-7000 2918-7135 2929-7084 3011-7108 3011-7123 3012-7179 3030-8799 3031-7377 3031-8811 3040-7208 3049-7398 3070-7011 3070-7026 3070-7036 3070-7227 3110-7314 3110-7428 3110-9312 3111-7028 3111-7443 3119-7327 3130-7281 3131-7205 3131-7333 3131-7334 3140-7298 3140-8863 3149-7066 3149-7068 3149-7285 3149-7435 3149-7447 3210-7000 3210-7016 3210-7022 3210-7045 3211-7002 3211-7038 3211-7053 3211-7113 3211-7118 3211-8066 3212-7074 3220-7038 3220-7198 3220-8614 3221-7069 3221-8628 3222-7035 3222-7036 3222-7040 3222-7046 3222-7049 3222-7118 3222-7172 3222-7176 3222-7177 3222-7185 3222-7685 3222-8026 3222-8489 3222-8575 3222-8584 3230-7038 3231-7011 3232-7021 3232-7030 3232-7033 3232-7043 3250-7117 3251-7069 3251-7174 3251-8294 Group 2 Tier 2 Total RTs: 81017 Select Group 2 Tier 2 Transit Routing Numbers 0000-0119 0110-0234 0110-0272 0111-0250 0111-0263 0111-0435 0111-1061 0111-1062 0111-1063 0111-1064 0111-1065 0111-1068 0112-0005 0112-0058 0112-0111 0112-0130 0112-0138 0112-0145 0112-0183 0113-0014 0113-0059 0113-0423 0113-0430 0113-0471 0113-0568 0113-0697 0113-0721 0113-7524 0113-9262 0114-0017 0114-0192 0114-0205 0114-0210 0115-0159 0116-0002 0116-0056 0116-0107 0116-0108 0116-0114 0116-9258 0118-0704 0118-0720 0119-1069 0211-1020 0211-7278 0212-0549 0212-0719 0212-7262 0212-8361 0212-8363 0212-8373 0212-8376 0212-8377 0212-8391 0213-0213 0213-0214 0213-0313 0213-0351 0213-0697 0213-0774 0213-0883 0213-0963 0213-1356 0213-1373 0213-1374 0213-7294 0213-7295 0213-7305 0213-8265 0213-8346 0213-8352 0213-8420 0213-8423 0213-8436 0214-0161 0214-8328 0214-8342 0214-8452 0215-0232 0216-8379 0219-1291 0219-1454 0219-8325 0219-8361 0220-8364 0220-8366 0220-8369 0223-0365 0223-8358 0223-8359 0223-8381 0223-8384 0260-0253 0260-0337 0260-0622 0260-0736 0260-0881 0260-1060 0260-1135 0260-1324 0260-1340 0260-1404 0260-1413 0260-7293 0260-7297 0260-8261 0260-8371 0260-8426 0260-8448 0280-0008 0311-0010 0311-0105 0311-0124 0311-8932 0312-0108 0312-0419 0312-0471 0312-0480 0312-0769 0312-8927 0312-8928 0313-0184 0313-0199 0313-0227 0313-0280 0313-0316 0313-0376 0313-0525 0313-0598 0313-0602 0313-0629 0313-0708 0313-0746 0313-0856 0313-0880 0313-0881 0313-0955 0313-1008 0313-1041 0313-1091 0313-1211 0313-1292 0313-1474 0313-1538 bi Exhit F it 0313-7597 0313-8923 0313-8926 0319-0221 0319-0848 0319-1181 0319-1852 0319-1918 0360-0224 0360-1851 0360-1898 0360-8905 0412-0077 0412-0114 0412-0163 0412-0254 0412-0274 0412-0276 0412-0340 0412-0345 0412-0485 0412-0524 0412-0525 0412-0551 0412-0678 0412-0715 0412-0908 0412-0912 0412-0942 0412-0962 0412-1005 0412-1078 0412-1124 0412-1263 0412-1281 0412-1287 0412-1298 0412-1375 0412-1388 0412-1549 0412-1558 0412-1569 0412-8437 0412-8439 0412-8440 0412-8449 0420-0055 0421-0080 0421-0144 0421-0289 0421-0412 0421-0482 0421-0781 0421-0851 0421-7449 0421-7453 0422-0289 0422-0300 0422-0411 0422-0500 0422-0570 0422-0817 0422-8685 0422-8690 0422-8694 0423-0672 0423-0922 0433-1098 0433-1234 0433-8689 0433-8691 0433-8698 0440-0217 0440-1583 0440-8435 0440-8442 0441-0308 0441-0353 0441-0658 0441-0716 0441-0770 0441-0929 0441-1014 0441-1070 0441-1119 0441-1218 0442-0386 0442-1040 0510-0012 0514-0102 0514-0183 0514-0184 0514-0222 0514-0225 0514-0248 0514-0312 0514-0316 0514-0403 0514-0441 0514-0452 0514-0475 0514-0580 0514-0654 0514-0886 0514-0902 0514-0905 0514-0919 0514-0927 0514-0945 0514-0958 0514-0959 0515-0102 0515-0129 0515-0155 0515-0184 0515-0242 0515-0317 0515-0425 0515-0456 0515-0457 0515-0458 0515-0465 0515-8018 0519-0467 0521-0231 0530-1044 0530-1272 0531-0068 0531-0155 0531-0219 0531-0258 0531-0358 0531-0363 0531-0368 0531-0456 0531-1000 0531-1059 0531-1206 0531-1217 0531-1225 0531-1228 0531-1229 0531-1234 0531-1244 0531-1254 0531-1282 0531-7401 0531-8506 0531-8507 0531-8510 0531-8519 0531-8529 0531-8540 0531-8558 0532-0118 0532-0148 0532-0187 0532-0209 0532-0227 0532-0666 0532-0681 0532-0753 0532-0766 0532-0795 0532-0799 0532-0801 0532-0811 0532-0812 0532-0813 0532-0814 0532-0820 0532-0823 0532-0830 0532-7406 0532-7414 0532-8511 0532-8516 0532-8517 0532-8523 0532-8548 0540-0095 0540-0131 0540-0167 0550-0025 0550-0107 0550-0109 0550-0198 0550-0335 0550-0342 0550-0343 0550-0346 0550-0352 0550-8015 0550-8037 0560-0106 0560-0912 0560-0931 0560-7357 0560-7359 0610-2011 0610-2037 0610-2106 0610-2117 0610-9233 0611-0111 0611-0118 0611-0129 0611-0140 0611-0213 0611-0261 0611-0331 0611-0385 0611-0397 0611-0426 0611-0427 0611-0430 0611-0488 0611-0625 0611-0665 0611-0781 0611-0948 0611-1218 0611-1321 0611-1955 0611-1964 0611-1972 0611-1976 0611-1978 0611-1979 0611-1984 0611-1988 0611-1995 0611-2007 0611-2010 0611-2032 0611-2036 0611-2040 0611-2046 0611-2055 0611-2061 0611-2070 0611-2071 0611-2085 0611-2090 0611-2111 0611-2120 0611-9184 0611-9227 0611-9266 0612-0065 0612-0224 0612-0236 0612-0288 0612-0409 0612-0468 0612-0496 0612-0547 0612-0765 0612-1023 0612-1119 0612-1128 0612-1164 0612-1201 0612-1208 0612-1234 0612-1243 0612-1285 0620-0653 0620-9189 0621-0222 0621-0229 0621-0238 0621-0300 0621-0553 0621-0655 0621-0657 0621-9280 0622-0096 0622-0115 0622-0155 0622-0169 0622-0171 0622-0189 0622-0195 0622-0216 0622-0236 0622-0277 0622-0299 0622-0310 0622-0319 0622-0320 0622-0347 0622-0353 0622-0364 0622-0401 0622-0405 0622-0437 0622-0453 0622-0493 0622-0610 0622-0631 0622-0665 0630-9232 0630-9277 0631-0088 0631-0139 0631-0170 0631-0225 0631-0259 0631-0528 0631-0540 0631-0590 0631-0650 0631-0675 0631-1030 0631-1246 0631-1260 0631-1278 0631-1280 0631-1282 0631-1291 0631-1301 0631-1302 0631-1413 0631-1432 0631-1441 0631-1455 0631-1457 0631-1465 0631-1481 0631-1494 0631-1505 0631-1541 0631-1561 0631-1571 0631-1633 Group 2 Tier 2 (cont) 0631-1643 0631-1645 0631-1656 0631-9179 0631-9210 0632-0520 0632-0566 0632-1660 0640-0897 0640-0898 0641-0190 0641-0229 0641-0238 0641-0260 0641-0290 0641-0346 0641-0811 0641-0848 0641-0887 0641-0895 0641-0899 0641-8252 0641-8260 0642-0146 0642-0183 0642-0296 0642-0794 0642-0858 0642-0889 0642-7242 0650-0228 0650-8249 0651-9172 0652-0051 0652-0052 0652-0053 0652-0061 0652-0080 0652-0092 0652-0098 0652-0099 0652-0101 0652-0153 0652-0162 0652-0166 0652-0175 0652-0178 0652-0183 0652-0186 0652-0188 0652-0206 0652-0218 0652-0239 0652-0244 0652-0246 0652-0255 0652-0283 0652-0343 0652-0349 0652-0356 0652-0364 0652-0418 0652-0419 0652-0424 0652-0457 0652-0466 0652-0484 0652-0495 0652-0496 0652-0498 0652-0499 0652-0503 0652-0526 0652-0532 0653-0021 0653-0126 0653-0136 0653-0143 0653-0164 0653-0174 0653-0215 0653-0218 0653-0230 0653-0248 0653-0267 0653-0296 0653-0308 0653-0352 0653-0380 0653-0381 0653-0408 0653-0432 0653-0436 0653-0467 0653-0547 0653-0607 0653-0613 0654-0048 0654-0060 0654-0140 0654-0167 0654-0242 0654-0251 0654-0252 0654-0285 0654-0288 0654-0315 0654-0337 0654-0347 0654-0473 0654-0528 0654-0529 0654-0534 0654-0545 0654-8259 0655-0622 0660-0945 0660-1557 0660-1676 0670-0515 0670-1268 0670-1289 0670-1312 0670-1424 0670-1445 0670-1452 0670-1509 0670-1511 0670-1528 0670-1636 0670-1657 0670-9202 0670-9250 0670-9267 0710-0123 0710-0150 0710-0213 0710-0270 0710-0415 0710-0422 0710-0434 0710-0443 0710-0453 0710-0648 Exhibit it F it 0710-2579 0710-2612 0710-9329 0711-0102 0711-0131 0711-0207 0711-0248 0711-0347 0711-0350 0711-0443 0711-0469 0711-0500 0711-0550 0711-0588 0711-0619 0711-0620 0711-0621 0711-0634 0711-0659 0711-0726 0711-0742 0711-0769 0711-0778 0711-0804 0711-0808 0711-0809 0711-0810 0711-0819 0711-0829 0711-0832 0711-0842 0711-0855 0711-0863 0711-0864 0711-0866 0711-0869 0711-0878 0711-0903 0711-0920 0711-0922 0711-0943 0711-0955 0711-0965 0711-0970 0711-0982 0711-0984 0711-1000 0711-1004 0711-1010 0711-1026 0711-1042 0711-1052 0711-1055 0711-1092 0711-1133 0711-1137 0711-1140 0711-1148 0711-1186 0711-1195 0711-1204 0711-1210 0711-1235 0711-1248 0711-1250 0711-1268 0711-1280 0711-1281 0711-1290 0711-1316 0711-1317 0711-1371 0711-1374 0711-1375 0711-1398 0711-1409 0711-1437 0711-1541 0711-1552 0711-1566 0711-1580 0711-1595 0711-1596 0711-1622 0711-1681 0711-1776 0711-1826 0711-1865 0711-1879 0711-1928 0711-1950 0711-1980 0711-1997 0711-2032 0711-2064 0711-2162 0711-2199 0711-2203 0711-2205 0711-2224 0711-2226 0711-2227 0711-2253 0711-2261 0711-2268 0711-2271 0711-2293 0711-2312 0711-2314 0711-2339 0711-2351 0711-2461 0711-2466 0711-2480 0711-2490 0711-2493 0711-2589 0711-2591 0711-2607 0711-2695 0711-7443 0712-0829 0712-1173 0719-0076 0719-0183 0719-0279 0719-0305 0719-0311 0719-0313 0719-0451 0719-0508 0719-0814 0719-0849 0719-0867 0719-0877 0719-0890 0719-0909 0719-0987 0719-1018 0719-1072 0719-1077 0719-1129 0719-1136 0719-1165 0719-1305 0719-1308 0719-1327 0719-1356 0719-1521 0719-1604 0719-1612 0719-1648 0719-1655 0719-1682 0719-1838 0719-1856 0719-2096 0719-2139 0719-2146 0719-2184 0719-2195 0719-2209 0719-2225 0719-2255 0719-2260 0719-2276 0719-2287 0719-2288 0719-2298 0719-2313 0719-2321 0719-2327 0719-2330 0719-2335 0719-2340 0719-2366 0719-2385 0719-2406 0719-2411 0719-2451 0719-2465 0719-2497 0719-2503 0719-2513 0719-2526 0719-2533 0719-2540 0719-2555 0719-2556 0719-2559 0719-2587 0719-2609 0719-2624 0719-2637 0719-2639 0719-2656 0719-2661 0719-2669 0719-2674 0719-2687 0719-7440 0724-0221 0724-0300 0724-0334 0724-0335 0724-0355 0724-0516 0724-0528 0724-0560 0724-0574 0724-0641 0724-0650 0724-0652 0724-0686 0724-0792 0724-0823 0724-0854 0724-0946 0724-1170 0724-1328 0724-1363 0724-1372 0724-1384 0724-1394 0724-1396 0724-1432 0724-7193 0724-7866 0724-8679 0730-0064 0730-0079 0739-0053 0739-0057 0739-0058 0739-0069 0739-0074 0739-0075 0739-0087 0739-0089 0739-0109 0739-0123 0739-0131 0739-0141 0739-0149 0739-0159 0739-0172 0739-0185 0739-0187 0739-0188 0739-0190 0739-0192 0739-0209 0739-0215 0739-0218 0739-0221 0739-0223 0739-0224 0739-0227 0739-0239 0739-0243 0739-0267 0739-0276 0739-0277 0739-0282 0739-0305 0739-0314 0739-0315 0739-0324 0739-0328 0739-0331 0739-0332 0739-0335 0739-0341 0739-0349 0739-0351 0739-0364 0739-0374 0739-0389 0739-0394 0739-0398 0739-0403 0739-0411 0739-0415 0739-0418 0739-0423 0739-0444 0739-0450 0739-0456 0739-0463 0739-0469 0739-0475 0739-0506 0739-0526 0739-0528 0739-0535 0739-0552 0739-0560 0739-0563 0739-0565 0739-0591 0739-0603 0739-0609 0739-0630 0739-0644 0739-0652 0739-0666 0739-0678 0739-0680 0739-0685 0739-0687 0739-0720 0739-0754 0739-0758 0739-0766 0739-0772 0739-0777 0739-0786 0739-0789 0739-0795 0739-0815 0739-0825 0739-0831 0739-0835 0739-0862 0739-0863 0739-0872 0739-0873 0739-0898 0739-0903 0739-0918 0739-0922 0739-0934 0739-0936 0739-0946 0739-0950 0739-0957 Group 2 Tier 2 (cont) 0739-0971 0739-0999 0739-1004 0739-1011 0739-1023 0739-1026 0739-1038 0739-1047 0739-1074 0739-1092 0739-1167 0739-1181 0739-1195 0739-1206 0739-1207 0739-1208 0739-1219 0739-1222 0739-1226 0739-1255 0739-1275 0739-1280 0739-1283 0739-1321 0739-1330 0739-1334 0739-1337 0739-1367 0739-1375 0739-1383 0739-1414 0739-1422 0739-1426 0739-1435 0739-1439 0739-1441 0739-1486 0739-1519 0739-1534 0739-1544 0739-1549 0739-1567 0739-1581 0739-1588 0739-1591 0739-1640 0739-1642 0739-1648 0739-1653 0739-1654 0739-1666 0739-1677 0739-1717 0739-1728 0739-1729 0739-1774 0739-1776 0739-1807 0739-1810 0739-1832 0739-1837 0739-1839 0739-1845 0739-1856 0739-1865 0739-1884 0739-1900 0739-1921 0739-1941 0739-1957 0739-2016 0739-2039 0739-2040 0739-2041 0739-2061 0739-2063 0739-2065 0739-2068 0739-2073 0739-2077 0739-2078 0739-2083 0739-2084 0739-2086 0739-2087 0739-2088 0739-2089 0739-2090 0739-2092 0739-2093 0739-2094 0739-2109 0739-2112 0739-2113 0739-2115 0739-2116 0739-2119 0739-2120 0739-2121 0739-2140 0739-2144 0739-2153 0739-2154 0739-2155 0739-2158 0739-2161 0739-2162 0739-2163 0739-2165 0739-2166 0739-2168 0739-2169 0739-2171 0739-2172 0739-2177 0739-2179 0739-2183 0739-2187 0739-2190 0739-2193 0739-2196 0739-2197 0739-2200 0739-2201 0739-2202 0739-2206 0739-2208 0739-2211 0739-2223 0739-2224 0739-2225 0739-2229 0739-2232 0739-2236 0739-2237 0739-2240 0739-2243 0739-2245 0739-2251 0739-2252 0739-2253 0739-2255 0739-2257 0739-2259 Exhibit it F it 0739-2260 0739-2261 0739-2262 0739-2263 0739-2265 0739-2267 0739-2268 0739-2270 0739-2276 0739-2280 0739-2281 0739-2282 0739-2284 0739-2285 0739-2286 0739-2287 0739-2288 0739-2289 0739-7211 0739-7216 0740-1403 0740-1410 0740-7192 0749-0129 0749-0208 0749-0486 0749-0531 0749-0547 0749-0587 0749-0595 0749-0642 0749-0654 0749-0680 0749-0694 0749-0811 0749-0842 0749-0868 0749-0966 0749-1069 0749-1085 0749-1157 0749-1158 0749-1260 0749-1264 0749-1267 0749-1269 0749-1275 0749-1319 0749-1330 0749-1369 0750-0056 0750-0104 0759-0076 0759-0097 0759-0101 0759-0103 0759-0130 0759-0134 0759-0151 0759-0156 0759-0159 0759-0164 0759-0195 0759-0200 0759-0204 0759-0205 0759-0210 0759-0212 0759-0217 0759-0218 0759-0222 0759-0227 0759-0230 0759-0233 0759-0242 0759-0246 0759-0257 0759-0260 0759-0267 0759-0281 0759-0283 0759-0296 0759-0300 0759-0301 0759-0311 0759-0315 0759-0316 0759-0320 0759-0322 0759-0324 0759-0339 0759-0344 0759-0352 0759-0363 0759-0375 0759-0376 0759-0378 0759-0379 0759-0383 0759-0391 0759-0398 0759-0409 0759-0423 0759-0425 0759-0438 0759-0444 0759-0451 0759-0452 0759-0454 0759-0476 0759-0495 0759-0500 0759-0505 0759-0545 0759-0548 0759-0555 0759-0566 0759-0573 0759-0586 0759-0587 0759-0591 0759-0593 0759-0596 0759-0599 0759-0601 0759-0603 0759-0608 0759-0617 0759-0619 0759-0623 0759-0634 0759-0636 0759-0652 0759-0663 0759-0670 0759-0683 0759-0685 0759-0689 0759-0700 0759-0703 0759-0707 0759-0709 0759-0711 0759-0723 0759-0734 0759-0737 0759-0741 0759-0744 0759-0755 0759-0758 0759-0759 0759-0764 0759-0774 0759-0780 0759-0786 0759-0804 0759-0809 0759-0820 0759-0827 0759-0861 0759-0865 0759-0868 0759-0892 0759-0917 0759-0920 0759-0940 0759-0960 0759-0966 0759-0990 0759-0994 0759-1038 0759-1048 0759-1092 0759-1099 0759-1135 0759-1136 0759-1137 0759-1161 0759-1171 0759-1174 0759-1176 0759-1185 0759-1227 0759-1271 0759-1273 0759-1274 0759-1277 0759-1278 0759-1280 0759-1282 0759-1283 0759-1287 0759-1779 0759-1789 0759-1792 0759-1797 0759-1807 0759-1813 0759-1833 0759-7210 0759-7214 0810-0055 0810-0067 0810-0327 0810-0407 0810-0639 0810-0643 0810-0702 0810-0942 0810-1030 0810-1146 0810-1295 0810-1521 0810-1883 0810-1888 0810-1899 0810-1911 0810-1912 0810-1916 0810-1917 0810-1925 0810-2519 0810-2541 0810-2576 0810-7444 0812-0320 0812-0331 0812-0426 0812-0486 0812-0680 0812-0694 0812-0709 0812-0793 0812-1039 0812-1110 0812-1152 0812-1179 0812-1192 0812-1227 0812-1257 0812-1260 0812-1326 0812-1378 0812-1416 0812-1559 0812-1616 0812-1638 0812-1675 0812-1887 0812-2008 0812-2052 0812-2123 0812-2164 0812-2259 0812-2265 0812-2494 0812-2590 0813-0482 0813-0870 0815-0074 0815-0085 0815-0102 0815-0117 0815-0122 0815-0148 0815-0169 0815-0178 0815-0179 0815-0201 0815-0253 0815-0263 0815-0281 0815-0308 0815-0332 0815-0338 0815-0359 0815-0360 0815-0369 0815-0370 0815-0381 0815-0382 0815-0395 0815-0469 0815-0485 0815-0515 0815-0518 0815-0563 0815-0652 0815-0655 0815-0712 0815-0716 0815-0747 0815-0817 0815-0821 0815-0846 0815-0860 0815-0910 0815-0919 0815-0944 0815-0990 0815-0995 0815-0997 0815-1056 0815-1059 0815-1073 0815-1093 0815-1111 0815-1163 0815-1175 0815-1199 0815-1210 0815-1223 0815-1235 0815-1237 0815-1283 0815-1292 0815-1396 0815-1445 0815-1474 0815-1482 0815-1487 0815-1694 0815-1773 0815-1774 0815-1787 0815-1790 0815-1791 0815-1796 0815-1805 0815-1811 0815-1813 0815-1818 0815-1819 0815-1821 0815-1833 0815-1837 Group 2 Tier 2 (cont) 0815-1860 0815-1877 0815-1878 0815-1881 0815-1890 0815-1891 0815-1902 0815-1903 0815-1907 0815-1914 0815-1928 0819-0219 0819-0386 0819-0479 0819-0501 0819-0508 0819-0518 0819-0528 0819-0529 0819-0559 0819-0576 0819-0627 0819-0784 0819-0859 0819-0883 0819-0972 0819-1023 0819-1057 0819-1058 0819-1413 0819-1467 0819-1485 0819-1499 0819-1507 0819-1739 0819-1766 0819-1818 0819-1842 0819-1875 0819-1894 0819-1935 0819-2155 0819-2581 0820-0124 0820-0764 0820-0774 0820-0858 0820-8658 0829-0031 0829-0098 0829-0099 0829-0101 0829-0102 0829-0104 0829-0122 0829-0128 0829-0137 0829-0139 0829-0140 0829-0145 0829-0146 0829-0147 0829-0153 0829-0156 0829-0159 0829-0160 0829-0163 0829-0164 0829-0167 0829-0177 0829-0181 0829-0183 0829-0184 0829-0189 0829-0191 0829-0226 0829-0232 0829-0239 0829-0243 0829-0245 0829-0247 0829-0248 0829-0266 0829-0305 0829-0321 0829-0326 0829-0330 0829-0353 0829-0402 0829-0404 0829-0405 0829-0472 0829-0499 0829-0550 0829-0581 0829-0599 0829-0625 0829-0747 0829-0778 0829-0785 0829-0786 0829-0787 0829-0857 0829-0859 0829-0862 0829-0874 0829-0883 0829-0885 0829-0890 0839-0123 0839-0137 0839-0177 0839-0200 0839-0231 0839-0258 0839-0270 0839-0275 0839-0299 0839-0314 0839-0332 0839-0389 0839-0430 0839-0447 0839-0459 0839-0501 0839-0585 0839-0766 0839-0791 0839-0801 0839-0814 0839-0823 0839-0825 0839-0944 0839-1303 0840-0319 0840-0850 0841-0112 0841-0141 0841-0151 0841-0573 0841-0676 0841-0718 0841-0724 0841-0769 Exhibit it F it 0841-0770 0841-0863 0841-0879 0842-0100 0842-0102 0842-0105 0842-0117 0842-0118 0842-0122 0842-0129 0842-0151 0842-0152 0842-0162 0842-0166 0842-0167 0842-0169 0842-0178 0842-0183 0842-0184 0842-0197 0842-0206 0842-0207 0842-0208 0842-0211 0842-0221 0842-0224 0842-0225 0842-0228 0842-0244 0842-0276 0842-0283 0842-0287 0842-0304 0842-0313 0842-0325 0842-0327 0842-0462 0842-0470 0842-0492 0842-0549 0842-0559 0842-0561 0842-0564 0842-0565 0842-0576 0842-0588 0842-0591 0842-0593 0842-0608 0842-0610 0842-0615 0843-0140 0843-0234 0843-0291 0843-0424 0843-0512 0843-0584 0863-0001 0865-0060 0865-0157 0865-0342 0865-0527 0865-0695 0865-1847 0865-1872 0865-1874 0865-1889 0910-0013 0910-0131 0910-0132 0910-1445 0910-1448 0910-1465 0910-1514 0910-1709 0910-1731 0910-1732 0910-1747 0910-1748 0910-1752 0910-1830 0910-7149 0910-7158 0910-7159 0911-0113 0911-0114 0911-0128 0911-0131 0911-0173 0911-0187 0911-0195 0911-0280 0911-0289 0911-0318 0911-0350 0911-0614 0911-0637 0911-0702 0911-0770 0911-0853 0911-0874 0911-0925 0911-0935 0911-0999 0911-1009 0911-1398 0911-1411 0912-0078 0912-0082 0912-0084 0912-0125 0912-0162 0912-0164 0912-0216 0912-0248 0912-0273 0912-0276 0912-0294 0912-0328 0912-0394 0912-0408 0912-0410 0912-0411 0912-0440 0912-0446 0912-0475 0912-0476 0912-0489 0912-0512 0912-0519 0912-0528 0912-0557 0912-0560 0912-0565 0912-0569 0912-0573 0912-0578 0912-0586 0912-0606 0912-0610 0912-0638 0912-0640 0912-0670 0912-0674 0912-0682 0912-0684 0912-0688 0912-0705 0912-0708 0912-0717 0912-0727 0912-0731 0912-0758 0912-0803 0912-0813 0912-0814 0912-0815 0912-0822 0912-0833 0912-0847 0912-0885 0912-0887 0912-0890 0912-0924 0912-0928 0912-0944 0912-0948 0912-0959 0912-0996 0912-1007 0912-1024 0912-1037 0912-1046 0912-1054 0912-1075 0912-1092 0912-1111 0912-1190 0912-1196 0912-1217 0912-1258 0912-1268 0912-1272 0912-1286 0912-1308 0912-1378 0912-1380 0912-1387 0912-1433 0912-1447 0912-1462 0912-1463 0912-1475 0912-1491 0912-1516 0912-1552 0912-1562 0912-1571 0912-1574 0912-1587 0912-1593 0912-1598 0912-1600 0912-1608 0912-1610 0912-1613 0912-1619 0912-1624 0912-1630 0912-1632 0912-1633 0912-1634 0912-1640 0912-1647 0912-1648 0912-1661 0912-1669 0912-1678 0913-0015 0913-0025 0913-0028 0913-0035 0913-0051 0913-0064 0913-0071 0913-0104 0913-0106 0913-0158 0913-0181 0913-0189 0913-0203 0913-0211 0913-0216 0913-0234 0913-0259 0913-0260 0913-0272 0913-0287 0913-0296 0913-0297 0913-0302 0913-0304 0913-0337 0913-0366 0913-0387 0913-0403 0913-0465 0913-0476 0913-0503 0913-0504 0913-0528 0913-0532 0913-0587 0913-0631 0913-0658 0913-0682 0913-0714 0913-0727 0913-0785 0913-0816 0913-0830 0913-0837 0913-0848 0913-0879 0913-0880 0913-0900 0913-0945 0913-0973 0913-0984 0913-1036 0913-1039 0913-1042 0913-1043 0913-1044 0913-1045 0913-1047 0913-1048 0913-1049 0913-1051 0913-1053 0913-1055 0913-1057 0913-1059 0913-1060 0913-1061 0913-1062 0913-1063 0913-1067 0913-1069 0913-1072 0913-1074 0913-1076 0913-1077 0913-1078 0913-1081 0913-1091 0913-1092 0913-1096 0913-1097 0913-1098 0913-1099 0913-1100 0913-1103 0913-1104 0913-1109 0913-1110 0913-1114 0914-0017 0914-0053 0914-0055 0914-0069 0914-0114 0914-0155 0914-0166 0914-0191 0914-0192 0914-0226 0914-0227 0914-0228 0914-0255 0914-0257 0914-0294 0914-0314 0914-0329 0914-0354 0914-0357 0914-0361 0914-0380 0914-0386 0914-0388 0914-0392 0914-0400 0914-0413 0914-0435 0914-0436 0914-0522 Group 2 Tier 2 (cont) 0914-0525 0914-0545 0914-0575 0914-0626 0914-0635 0914-0682 0914-0693 0914-0705 0914-0713 0914-0717 0914-0719 0914-0761 0914-0766 0914-0775 0914-0776 0914-0779 0914-0780 0914-0794 0914-0803 0914-0817 0914-0820 0914-0823 0914-0826 0914-0829 0914-0838 0914-0839 0914-0846 0914-0851 0914-0852 0914-0859 0914-0864 0914-0869 0914-0870 0914-0876 0914-0879 0914-0887 0914-0889 0914-0897 0914-0899 0914-0900 0914-0901 0914-0912 0914-0921 0914-0929 0914-0935 0914-0938 0914-0950 0914-0951 0914-0952 0914-0956 0914-0958 0914-0959 0914-0978 0915-0141 0915-0509 0915-0524 0915-0817 0915-0831 09-15-0946 0915-1007 0915-1025 0915-1042 0915-1046 0915-1225 0915-1259 0918-0005 0918-0031 0918-0037 0918-0123 0918-0190 0918-0288 0918-0327 0918-0330 0918-0335 0918-0356 0918-0359 0918-0395 0918-0396 0918-0414 0918-0440 0918-0472 0918-0483 0918-0528 0918-0624 0918-0638 0918-0699 0918-0718 0918-0757 0918-0834 0918-0936 0918-0947 0918-0972 0918-0973 0918-0998 0918-1029 0918-1062 0918-1076 0918-1085 0918-1097 0918-1100 0918-8171 0919-0006 0919-0009 0919-0021 0919-0028 0919-0063 0919-0101 0919-0133 0919-0134 0919-0137 0919-0147 0919-0155 0919-0156 0919-0168 0919-0196 0919-0197 0919-0202 0919-0203 0919-0204 0919-0225 0919-0253 0919-0279 0919-0303 0919-0316 0919-0323 0919-0324 0919-0344 0919-0353 0919-0383 0919-0386 0919-0396 0919-0401 0919-0405 0919-0426 0919-0427 0919-0428 0919-0432 0919-0434 0919-0436 0919-0482 0919-0483 0919-0487 0919-0492 0919-0505 Exhibit it F ff 0919-0516 0919-0523 0919-0525 0919-0536 0919-0540 0919-0544 0919-0551 0919-0552 0919-0571 0919-0581 0919-0582 0919-0635 0919-0642 0919-0665 0919-0676 0919-0687 0919-0737 0919-0747 0919-0757 0919-0778 0919-0788 0919-0817 0919-0837 0919-0839 0919-0861 0919-0871 0919-0872 0919-0874 0919-0876 0919-0905 0919-0906 0919-0908 0919-0921 0919-0927 0919-0943 0919-0946 0919-0951 0919-1000 0919-1002 0919-1045 0919-1100 0919-1115 0919-1130 0919-1131 0919-1135 0919-1140 0919-1154 0919-1155 0919-1157 0919-1179 0919-1195 0919-1233 0919-1248 0919-1252 0919-1254 0919-1257 0919-1309 0919-1314 0919-1317 0919-1318 0919-1412 0919-1420 0919-1425 0919-1427 0919-1440 0919-1446 0919-1479 0919-1482 0919-1513 0919-1520 0919-1561 0919-1565 0919-1572 0919-1583 0919-1589 0919-1604 0919-1605 0919-1607 0919-1609 0919-1616 0919-1620 0919-1625 0919-1680 0919-1681 0919-1684 0919-1687 0919-1689 0919-1701 0919-1704 0919-1705 0919-1711 0919-1718 0919-1822 0919-7153 0919-8164 0919-8168 0920-0120 0920-0151 0921-0101 0921-0118 0921-0128 0921-0285 0921-0424 0921-0487 0921-0510 0921-0533 0929-0073 0929-0083 0929-0107 0929-0110 0929-0117 0929-0119 0929-0121 0929-0125 0929-0129 0929-0133 0929-0138 0929-0139 0929-0141 0929-0148 0929-0149 0929-0159 0929-0165 0929-0229 0929-0235 0929-0240 0929-0248 0929-0270 0929-0354 0929-0477 0929-0502 0929-0520 0929-0526 0929-0536 0929-0542 0929-0546 0929-0547 0929-7679 0960-0096 0960-0098 0960-1041, 0960-1676 0960-1698 0960-1738 0960-1771 0960-8172 1010-0015 1010-0104 1010-0136 1010-0291 1010-0304 1010-0502 1010-0564 1010-0704 1010-1293 1010-1475 1010-1495 1010-1510 1010-1528 1010-1906 1010-1948 1010-8949 1010-8980 1010-8981 1010-8982 1011-0017 1011-0031 1011-0056 1011-0061 1011-0072 1011-0090 1011-0092 1011-0105 1011-0106 1011-0129 1011-0141 1011-0152 1011-0153 1011-0158 1011-0159 1011-0162 1011-0173 1011-0176 1011-0186 1011-0187 1011-0192 1011-0193 1011-0195 1011-0197 1011-0199 1011-0206 1011-0207 1011-0213 1011-0216 1011-0218 1011-0228 1011-0234 1011-0236 1011-0238 1011-0243 1011-0249 1011-0252 1011-0255 1011-0256 1011-0264 1011-0275 1011-0276 1011-0278 1011-0281 1011-0283 1011-0285 1011-0287 1011-0292 1011-0295 1011-0296 1011-0306 1011-0308 1011-0314 1011-0315 1011-0327 1011-0332 1011-0335 1011-0338 1011-0339 1011-0340 1011-0344 1011-0346 1011-0354 1011-0359 1011-0366 1011-0368 1011-0369 1011-0385 1011-0388 1011-0400 1011-0404 1011-0406 1011-0410 1011-0412 1011-0416 1011-0428 1011-0434 1011-0435 1011-0438 1011-0440 1011-0443 1011-0450 1011-0458 1011-0468 1011-0470 1011-0471 1011-0474 1011-0476 1011-0477 1011-0486 1011-0494 1011-0497 1011-0507 1011-0511 1011-0524 1011-0525 1011-0528 1011-0541 1011-0560 1011-0562 1011-0571 1011-0578 1011-0592 1011-0596 1011-0598 1011-0602 1011-0622 1011-0628 1011-0635 1011-0640 1011-0660 1011-0662 1011-0686 1011-0691 1011-0694 1011-0708 1011-0709 1011-0715 1011-0740 1011-0744 1011-0747 1011-0774 1011-0780 1011-0786 1011-0803 1011-0805 1011-0820 1011-0831 1011-0838 1011-0851 1011-0852 1011-0857 1011-0863 1011-0864 1011-0876 1011-0913 1011-0932 1011-0951 1011-0953 1011-0964 1011-0969 1011-0974 1011-0980 1011-0981 1011-0984 1011-0992 1011-0999 1011-1006 1011-1008 1011-1022 1011-1027 1011-1047 1011-1048 1011-1054 1011-1057 1011-1060 1011-1064 1011-1076 1011-1111 1011-1133 1011-1145 1011-1149 1011-1162 1011-1167 1011-1168 1011-1195 1011-1204 1011-1214 1011-1217 1011-1222 1011-1231 SSt?l -6111 LSVT-61TT SSVT-61TI 89ET-61TT ZVEI-6111 LTET-61TT 09ZT-6111 6VZT-6TTI ZSII-6111 ZEIT-6TTT SIII-6111 EOTT-61TT 6001-61TI 0001-61TT ZS60-6TIT IVV60-611T 6E60-6111 S680-61TI 9880-61TI ESSO-6TTT SLSO-6111 ISSO-61TT OZSO-6111 V6LO-61TI 9SLO-6111 VELO-611T OTLO-6111 SOLO-6TTT S890-6111 VL90-61TT 6E90-6111 VE90-61TT 96SO-6111 t7ESO-6TTT SISO-6111 i76VO-61TT IStPO-61TI STVO-61TT tpOVO-6TIl 66EO-6TIT SSEO-6111 9VEO-61TT OVEO-6111 6ZEO-61TT VZEO-6111 STEO-61TT ISZO-6111 OSZO-6TTT SEZO-61TT LZZO-6TTT L6TO-6TTT TSTO-6TTT 9VTO-6TTT EZTO-6TTT SLOO-6TTT VSOO-6TTT SZOO-6TTT VLZZ-ETTT LZTZ-ETTT L90Z-ETTT OOOZ-ETTT iVE6T-ETTT 9ZST-ETTT 98LT-ETTT 9SLT-ETTT 6LST-ETTT SSZT-ETTT 90ZT-ETTT 6LTT-ETTT LSOT-ETTT 6ZOT-ETTT EZ60-ETTT ZLSO-ETTT LZSO-ETTT 99LO-ETTT SL90-ETTT 8090-ETTT E91vo-ETTT OEIVO-ETTT 09ZO-ETTT ELTO-ETTT L9E6-TTTT SSE6-TTTT TESO-TTTT OESO-TTTT T91vo-TTTT tr6EO-TTTT s9EO-TTTT ZSEO-TTTT SZEO-TTTT 9TEO-TTTT 176ZO-TTTT SLZO-TTTT ELZO-TTTT 6SZO-TTTT EIVZO-TTTT SEZO-TTTT ZEZO-TTTT TTZO-TTIT 60ZO-TTIT LOZO-TTTT SOZO-TTTT IVOZO-TTTT T6TO-TTTT 68TO-TTTT E9TO-TTTT 6STO-TTTT SiVTO-TTTT TETO-TTTT OETO-TTTT OZTO-TTTT IVTTO-TTTT 0600-TTTT v800-TTTT SIVSZ-OTTT L61VZ-OTTT 981vz-OTTT S6LT-OTTT T6LT-OTTT V890-OTTT OZ90-OTTT LLSO-OTTT 9600-OTTT 8868-OLOT ZL68-OLOT S968-OLOT EE68-OLOT 6TLO-OLOT SOLO-OLOT 6690-OLOT L690-OLOT 9690-OLOT Z690-OLOT SL90-OLOT tYL90-OLOT 0990-OLOT VS90-OLOT SE90-OLOT ZT90-OLOT V090-OLOT 0090-OLOT OTSO-OLOT 69VO-OLOT L9VO-OLOT 6tptpO-OLOT ETtFO-OLOT V6EO-OLOT 9SEO-OLOT ZSEO-OLOT V9EO-OLOT 9VEO-OLOT IVVZO-OLOT ELTO-OLOT ZLTO-OLOT SVTO-OLOT 6ETO-OLOT ZETO-OLOT EZTO-OLOT LOOO-OLOT S868-61VOT TZZZ-6VOT OZZZ-6t?OT ViVOZ-6VOT LZ6T-61VOT 89ET-6iVOT ESET-61VOT SEET-6VOT SZET-6170T 6TET-6iVOT 90ET-61VOT ZVTT-61VOT EEOT-61VOT SZOT-61VOT EZOT-6VOT V660-61VOT 6L60-61VOT OZ60-6VOT S680-6VOT E680-6VOT S880-6VOT V880-6VOT ZLSO-6t7OT ZIVSO-6170T SE130-61VOT ETSO-61VOT V080-6VOT TSLO-6VOT LLLO-6VOT OLLO-6VOT 9SLO-6t7OT VOLO-6i7OT ZL90-6VOT 0990-6tpOl 0090-6VOT SSSO-61VOT OSSO-6iVOT iVLSO-6VOT 9TSO-6t?OT 06VO-6VOT 88t,0-61VOT t,9VO-6170T LZVO-6VOT 601VO-6tpOT 6SEO-6iVOT LSEO-6170T 61VEO-6iVOT SEEO-6iVOT 9EEO-6VOT EEEO-61VOT 6ZEO-6iVOT EOEO-61VOT V6ZO-RPOT OSZO-6VOT 9LZO-6VOT LEZO-6iVOT IVEZO-61VOT 6ZZO-6VOT 90ZO-6VOT V6TO-6VOT T6TO-6VOT ZLTO-6iVOT TLTO-6VOT 09TO-61VOT 6STO-61VOT 817TO-6t,OT 9ETO-6iVOT VETO-6VOT EETO-6VOT TETO-6VOT LZTO-61VOT EZTO-6iVOT 9TTO-6iVOT SLOO-6iVOT IVSOO-6VOT TTOO-61VOT ZS68-TVOT 66EI-TiVOT S6ET-TiVOT IV6ET-TVOT ESET-TIVOT 9LEI-lt?Ol ELET-TIVOT TLET-IVOI Z9ET-TIVOT ZSEI-lt7ol OiVET-Ttpol LEET-TIVOT IVEET-TiVOI ZEEI-11701 9ZET-Ttrol 60ET-11VOT 86ZT-TVOT T6ZI-TI701 VSZT-TVOI 9LTI-11701 9EIT-TiVOT L60T-IIVOT 6SOT-TIVOT IT01-It7ol 6980-TIVOT osso-TIVOT TESO-TVOT ZSLO-11VOI SLLO-TVOT ELLO-T-VOI St,LO-TiVOT 9690-IIVOI 0890-Tt7oT 9L90-Tt7OT TL90-TtrOT 6990-TIVOI Lt,90-TVOT ELSO-IVOT 06EO-TVOT ZOEO-IVOT SOEO-TVOT 86ZO-TiVOT SLZO-TIVOT s9zo-Tt7ol tl9zo-Tt7oT 19zo-llvol SSZO-TVOT szZO-1vol OZZO-TVOT OTZO-Tt7ol LSTO-TVOT 69TO-IVOT E9TO-TVOT z9TO-TVOT SSTO-TVOT LVTO-TlVOT 9VTO-TiVOT 6ETO-TIVOT SZTO-TiVOT IV600-TVOT SLOO-TIVOT SLZZ-OiVOT ETtPT-OVOT OSET-OVOT VESO-OVOT 61VTO-OVOT OLOO-OVOT 9VOO-OiVOT 6000-OIVOT 9990-6EOT SVEO-6EOT 8969-TEOT STET-TEOT 66ZT-TEOT L9ZT-TEOT T9ZT-TEOT ZSZT-TEOT IVEZT-TEOT LOZT-TEOT E060-TEOT 6ELO-TEOT ZSVO-TEOT 86EO-TEOT S17EO-TEOT EiVEO-TEOT ZSZO-TEOT LZZO-TEOT ZZZO-TEOT Z6TO-TEOT L910-TEOT E9TO-TEOT TSIO-TEOT EIVTO-TEOT ZIVIO-TEOT EETO-TEOT SOTO-TEOT 8800-TEOT ELOO-TEOT 6TOO-TEOT TOOO-TEOT E868-OEOT , , A „ llqlqx:l ViV68-OEOI 9ZEI-OEOT ESEO-OEOT 9t?EO-OEOT 91vTO-OEOI 9800-OEOT 8900-OEOI ETOO-OEOT ITLO-EZOI LiV90-EZOT LESO-EZOT LTEO-EZOT 1610-EZOT 9LTO-EZOT E9TO-EZOI TTTO-EZOT SOTO-EZOI 90TO-Ezol Solo-EZOT 9900-EZOT LIVOO-EZOI EEOO-EZOI 6ZOO-EZOT 9ZOO-EZOT ZL90-ZZOI LOZO-ZZOI E610-ZZOI TLTO-ZZOT S890-IZOT OL90-TZOT 9s9o-TzoT SSIVO-TZOT v9vo-lzol VEVO-TZOT ZEVO-TZOT E9EO-TZOT OVEO-TZOT 98ZO-TZOT LSZO-TZOI OOZO-TZOT VSTO-TZOI 9ETO-TZOT 6ZTO-IZOI LZTO-TZOT SSOO-TZOT LSOO-TZOT ETOO-IZOI V968-OZOT SZ68-OZOI TOLO-OZOT 1190-OZOI 9090-OZOT S600-OZOI 0900-OZOI ZEST-6101 9TSI-610T LOST-6TOI VSLT-6101 ZSLT-6101 Z9LT-6TOT 9LSI-6101 LTET-6TOT SOZI-6TOI 96TT-6TOT ZZIT-6101 6060-6TOT 8680-6101 T080-6TOT 86LO-6101 LT90-6TOT ISSO-6101 OOSO-6101 161VO-6101 ZZlVO-6TOT 9LEO-6TOI E9EO-6TOT OVZO-610T 9EZO-6TOT 6ZZO-6101 9ZZO-6TOT VIZO-6101 SOZO-6TOT E810-6TOT 6ETO-610T LZ61-ZIOT SSLT-ZIOT SSLT-ZIOI SLLT-ZIOT ISLT-ZIOI EVLT-ZTOT 8991-ZTOI L9ET-ZTOT OOET-ZTOI STZT-ZTOT STZI-ZTOI 86TT-ZTOI EOTT-ZTOT 6L60-ZTOT 9L60-ZTOT TiV60-ZTOT EOSO-ZTOT SOLO-ZTOT 9t?90-ZTOT L9SO-ZTOT ivvso-ZTOT ETSO-ZTOT ZTSO-ZTOT 90SO-ZTOT gsvo-ZTOT 6Lt7O-ZTOT Z0170-ZTOT L6EO-ZTOT v9EO-ZTOT SZZO-ZTOT 98TO-ZTOT 9TTO-ZTOT L900-ZTOT 6S68-TTOT ZT68-TTOT IVTST-TTOT SOST-TTOT EOST-TTOT IV6t7T-TTOT T6VT-TTOT 06t7T-TTOT 681VT-TTOT L81VT-TTOT sst7T-TTOT 9Lt7T-TTOT 69t7T-TTOT SSIVT-TTOT ZSIVT-TTOT OSIVT-TTOT LZVT-TTOT Tzt7T-TTOT Eot7T-TTOT E6ET-TTOT 9SET-TTOT IVSET-TTOT 6LET-TTOT L9ET-TTOT IVSZT-TTOT TLZT-TTOT E9ZT-TTOT (luo:)) Z sail Z dnojE) Group 2 Tier 2 (cont) 1119-1557 1119-1577 1119-1628 1119-1632 1119-1641 1119-1659 1119-1662 1119-1665 1119-1884 1119-2068 1119-2248 1119-2251 1119-2252 1119-2323 1119-2389 1119-2393 1119-2423 1119-2428 1119-2431 1119-2442 1119-2461 1119-2550 1119-2560 1119-9357 1119-9387 1119-9406 1120-1761 1122-0128 1122-0179 1122-0237 1122-0534 1122-0679 1122-0733 1123-0467 1123-0473 1123-1406 1123-2183 1123-2207 1123-2250 1123-2263 1130-0086 1130-0092 1130-0096 1130-0107 1130-0127 1130-0139 1130-0338 1130-0341 1130-0808 1130-0879 1130-0959 1130-1216 1130-1295 1130-1433 1130-1558 1130-1788 1130-2526 1130-2542 1130-9351 1130-9394 1130-9409 1130-9422 1131-0009 1131-0057 1131-0207 1131-0255 1131-0471 1131-0527 1131-0630 1131-0701 1131-0761 1131-0912 1131-1025 1131-1061 1131-1064 1131-1065 1131-1392 1131-1459 1131-1523 1131-1593 1131-1744 1131-2113 1131-2190 1131-2290 1131-2340 1131-2366 1131-2371 1131-2544 1131-2555 1131-9416 1140-0069 1140-0076 1140-0264 1140-0669 1140-1101 1140-1328 1140-1454 1140-1711 1140-9362 1149-0114 1149-0137 1149-0185 1149-0201 1149-0222 1149-0234 1149-0252 1149-0256 1149-0261 1149-0277 1149-0279 1149-0287 1149-0310 1149-0317 1149-0321 1149-0328 1149-0465 1149-0470 1149-0477 1149-0493 1149-0495 1149-0556 1149-0581 1149-0652 1149-0738 1149-0818 1149-0922 1149-0950 1149-0990 1149-1052 1149-1157 1149-1158 1149-1161 1149-1168 1149-1222 1149-1227 1149-1247 1149-1268 1149-1270 1149-1279 1149-1371 1149-1670 1149-1762 1149-2149 1149-2180 Exhibit it F it 1149-2200 1149-2214 1149-2243 1149-2298 1149-2335 1149-2481 1149-2519 1149-9390 1163-1148 1163-1287 1210-2967 1210-3167 1210-3724 1210-3877 1210-4065 1211-0103 1211-0198 1211-0203 1211-0539 1211-0654 1211-3239 1211-3341 1211-3505 1211-3589 1211-3658 1211-3667 1211-3680 1211-3700 1211-3702 1211-3750 1211-3772 1211-3899 1211-3912 1211-3971 1211-4039 1211-4100 1211-4134 1211-4148 1211-4161 1211-4211 1211-4231 1211-4239 1211-4240 1211-4269 1211-4273 1211-4277 1211-4281 1211-4299 1211-4326 1211-4331 1211-4338 1211-4342 1211-4353 1211-4379 1211-4383 1211-4398 1211-4419 1211-4420 1211-4426 1211-4427 1211-4428 1211-4441 1211-4461 1211-8201 1211-8205 1212-0181 1213-0224 1220-0339 1220-3361 1220-3776 1220-3917 1220-3936 1220-3939 1220-4123 1220-4172 1220-4198 1220-4220 1220-4310 1220-4386 1220-4503 1220-8704 1220-8709 1221-0499 1221-0525 1221-0547 1221-0549 1221-0587 1221-0590 1221-0601 1221-0629 1221-8733 1222-0075 1222-0347 1222-0350 1222-1040 1222-2168 1222-3210 1222-3219 1222-3321 1222-3419 1222-3448 1222-3699 1222-3715 1222-3759 1222-3765 1222-3785 1222-3857 1222-3913 1222-3927 1222-3954 1222 *3998 1222-4045 1222-4049 1222-4066 1222-4069 1222-4076 1222-4086 1222-4125 1222-4249 1222-4255 1222-4257 1222-4259 1222-4268 1222-4278 1222-4298 1222-4301 1222-4335 1222-4336 1222-4337 1222-4343 1222-4354 1222-4356 1222-4364 1222-4368 1222-4377 1222-4388 1222-4391 1222-4396 1222-4399 1222-4400 1222-4406 1222-4413 1222-4415 1222-4459 1222-4485 1222-4487 1222-8701 1222-8736 1222-8751 1222-8758 1222-8766 1224-0233 1224-0239 1224-0240 1224-8740 1230-0638 1230-0665 1230-0672 1230-0689 1230-8495 1231-0357 1231-0382 1231-7195 1232-0008 1232-0218 1232-0228 1232-0321 1232-0353 1232-0401 1232-0411 1232-0601' 1232-0602 1232-0631 1232-0633 1232-0640 1232-0641 1232-0661 1232-0673 1232-0677 1232-0679 1232-0681 1232-0687 1232-0688 1232-0692 1232-0694 1232-0695 1232-0698 1232-0699 1233-0809 1233-0843 1233-0861 1240-0289 1241-0377 1241-0392 1243-0076 1243-0080 1243-0177 1243-8452 1250-0709 1250-0801 1250-0822 1250-0851 1250-0864 1250-0887 1250-8469 1250-8496 1251-0060 1251-0227 1251-0388 1251-0431 1251-0442 1251-0486 1251-0563 1251-0574 1251-0703 1251-0707 1251-0726 1251-0767 1251-0773 1251-0776 1251-0787 1251-0806 1251-0814 1251-0815 1251-0817 1251-0819 1251-0826 1251-0832 1251-0836 1251-0838 1251-0844 1251-0846 1251-0847 1251-0859 1251-0860 1251-0862 1251-0866 1251-0867 1251-0874 1251-0894 1251-8456 1251-8493 1251-8521 1252-0006 1252-0052 2110-7002 2110-7012 2110-7023 2110-7288 2110-7323 2110-7398 2110-8060 2110-8066 2110-8070 2110-8071 2110-8072 2110-8075 2110-8078 2110-8088 2110-8106 2110-8109 2110-8121 2110-8189 2110-8352 2110-9193 2111-7004 2111-7008 2111-7013 2111-7016 2111-7018 2111-7020 2111-7021 2111-7025 2111-7028 2111-7034 2111-7278 2111-7335 2111-7337 2111-7418 2111-7420 2111-7422 2111-7426 2111-7427 2111-7428 2111-7436 2111-7657 2111-7665 2111-7668 2111-7670 2111-7688 2111-7699 2111-7700 2111-7701 2111-7765 2111-7767 2111-7768 2111-7820 2111-7824 2111-7834 2111-7836 2111-7837 2111-7843 2111-7857 2111-7866 2111-7884 2111-7894 2111-7896 2111-7913 2111-7914 2111-7928 2111-7930 2111-7953 2111-8015 2112-7252 2112-7254 2112-7261 2112-7276 2112-7330 2112-7376 2112-7384 2112-7439 2112-7449 2112-7450 2112-7451 2112-7455 2112-7458 2112-7459 2112-8725 2112-8729 2112-8732 2112-8734 2112-8735 2112-8736 2112-8740 2112-8744 2112-8746 Group 2 Tier 2 (cont) 2112-8747 2112-8751 2112-8756 2112-8760 2112-8761 2112-8763 2112-8766 2112-8769 2112-8774 2112-8778 2112-8779 2112-8781 2112-8784 2112-8785 2112-8788 2112-8791 2112-8792 2112-8794 2112-8797 2112-8800 2112-8801 2112-8805 2112-8806 2112-8807 2112-8808 2112-8815 2112-8817 2112-8818 2112-8830 2112-8838 2112-8840 2112-8841 2112-8843 2112-8849 2112-8858 2112-8863 2112-8865 2112-8871 2112-8874 2112-8884 2112-8886 2112-8891 2112-8894 2112-8896 2112-8897 2112-8898 2112-9166 2112-9180 2112-9196 2113-7005 2113-7011 2113-7013 2113-7015 2113-7022 2113-7027 2113-7039 2113-7040 2113-7048 2113-7050 2113-7052 2113-7069 2113-7074 2113-7083 2113-7086 2113-7088 2113-7099 2113-7106 2113-7112 2113-7122 2113-7124 2113-7134 2113-7137 2113-7157 2113-7158 2113-7159 2113-7162 2113-7164 2113-7172 2113-7173 2113-7185 2113-7188 2113-7191 2113-7192 2113-7206 2113-7214 2113-7223 2113-7231 2113-7232 2113-7240 2113-7284 2113-7290 2113-7299 2113-7301 2113-7310 2113-7334 2113-7342 2113-7346 2113-7400 2113-7402 2113-7404 2113-7406 2113-7409 2113-7505 2113-8017 2113-8028 2113-8030 2113-8034 2113-8035 2113-8037 2113-8040 2113-8042 2113-8048 2113-8058 2113-8131 2113-8132 2113-8136 2113-8137 2113-8143 2113-8151 2113-8156 2113-8157 2113-8159 2113-8163 2113-8173 2113-8175 2113-8195 2113-8248 2113-8259 2113-8262 2113-8263 2113-8266 2113-8267 2113-8268 2113-8272 2113-8273 2113-8274 2113-8277 2113-8298 2113-8328 2113-8332 2113-8333 2113-8334 2113-8338 2113-8348 Exhibit it F it 2113-8372 2113-8378 2113-8384 2113-8390 2113-8395 2113-8397 2113-8401 2113-8407 2113-8411 2113-8413 2113-8414 2113-8421 2113-8440 2113-8447 2113-8458 2113-8464 2113-8466 2113-8471 2113-8472 2113-8486 2113-8491 2113-8492 2113-8503 2113-8513 2113-8516 2113-8529 2113-8533 2113-8534 2113-8548 2113-8551 2113-8552 2113-8555 2113-8556 2113-8557 2113-8565 2113-8570 2113-8600 2113-8603 2113-8604 2113-8611 2113-8614 2113-8623 2113-8644 2113-8659 2113-8661 2113-8665 2113-8675 2113-8680 2113-8695 2113-8711 2113-8712 2113-8713 2113-9177 2113-9182 2113-9203 2113-9206 2113-9209 2113-9210 2114-7001 2114-7022 2114-8908 2114-8940 2114-8944 2114-8947 2114-8949 2114-8959 2114-8960 2114-8963 2114-8966 2115-7261 2115-7318 2115-7331 2115-7332 2115-7340 2115-7464 2115-7483 2115-8982 2115-8989 2115-8999 2115-9017 2115-9021 2115-9025 2115-9027 2115-9036 2115-9046 2115-9049 2115-9067 2115-9068 2115-9074 2116-7478 2116-9090 2116-9091 2116-9092 2116-9095 2116-9100 2116-9102 2116-9106 2116-9111 2116-9117 2116-9118 2116-9122 2116-9123 2116-9126 2116-9127 2116-9142 2116-9144 2116-9145 2116-9154 2116-9158 2117-7020 2117-8900 2117-8901 2117-8905 2117-8928 2117-8929 2117-8930 2117-8937 2118-7028 2118-7079 2118-7081 2118-7093 2118-7097 2118-7101 2118-7121 2118-7152 2118-7168 2118-7177 2118-7186 2118-7202 2118-7233 2118-7239 2118-7294 2118-7295 2118-7368 2118-8027 2118-8205 2118-8392 2118-8490 2118-8520 2118-8523 2118-8526 2118-8581 2118-8583 2118-8591 2118-8627 2118-8628 2118-9202 2119-7719 2119-7720 2119-7727 2119-7731 2119-7733 2119-7734 2119-7741 2119-7749 2211-7224 2211-7227 2211-7229 2211-7354 2211-7357 2211-7362 2211-7364 2211-7377 2211-7386 2211-7398 2211-7404 2211-7405 2211-7437 2211-7440 2211-7450 2211-8079 2211-8278 2211-8288 2211-8315 2211-8325 2211-8330 2212-7021 2212-7067 2212-7068 2212-7091 2212-7119 2212-7194 2212-7201 2212-7202 2212-7204 2212-7216 2212-7232 2212-7239 2212-7256 2212-7305 2212-7314 2212-7452 2212-7484 2212-7491 2212-7493 2212-7502 2212-7507 2212-7518 2212-7523 2212-7532 2212-7541 2212-7548 2212-7553 2212-7564 2212-7571 2212-7601 2212-7603 2212-7611 2212-7612 2212-7624 2212-7637 2212-7648 2212-7650 2212-7654 2212-7659 2212-7661 2212-7663 2212-7665 2212-7669 2212-7671 2212-7672 2212-7680 2212-7681 2212-7690 2212-7692 2212-7695 2212-7699 2212-7700 2212-7715 2212-7730 2212-7732 2212-7737 2212-7773 2212-7799 2212-7803 2212-7817 2212-7821 2212-7827 2212-7830 2212-7848 2212-7855 2212-7860 2212-7873 2212-7874 2212-7883 2212-7893 2212-8309 2212-8313 2212-8340 2212-8342 2212-8345 2213-7005 2213-7019 2213-7020 2213-7026 2213-7028 2213-7061 2213-7089 2213-7090 2213-7107 2213-7125 2213-7177 2213-7320 2213-7333 2213-7342 2213-7370 2213-7371 2213-7498 2213-7507 2213-7511 2213-7520 2213-7534 2213-7537 2213-7554 2213-7556 2213-7568 2213-7569 2213-7572 2213-7592 2213-7594 2213-7600 2213-7619 2213-7629 2213-7642 2213-7654 2213-7687 2213-7691 2213-7692 2213-7693 2213-7883 2213-7889 2213-7912 2213-7924 2213-7925 2213-7953 2213-7958 2213-7965 2213-7975 2213-7976 2213-7978 2213-7980 2213-7982 2213-7991 2213-8007 2213-8011 2213-8014 2213-8017 2213-8036 2213-8037 2213-8039 2213-8045 2213-8046 2213-8057 2213-8065 2213-8067 2213-8071 2213-8076 2213-8079 2213-8082 2213-8084 2213-8094 2213-8100 2213-8130 2213-8145 2213-8186 2213-8191 2213-8193 2213-8203 2213-8216 2213-8235 2213-8236 2213-8243 2213-8246 2213-8247 2214-7560 2214-7577 Group 2 Tier 2 (cont) 2214-7586 2214-7641 2214-7644 2214-7659 2214-7669 2214-7670 2214-7909 2214-7940 2214-8224 2214-8248 2214-9200 2216-8254 2219-7502 2219-7584 2219-7622 2219-7665 2219-7686 2219-7703 2219-7879 2219-7896 2219-7898 2219-7910 2219-7911 2219-7932 2219-7933 2219-7936 2219-8127 2219-8133 2219-8165 2219-8213 2219-8238 2220-7938 2220-7942 2220-7944 2220-7945 2220-7946 2220-7949 2220-7951 2220-7955 2220-7960 2220-7963 2220-7975 2220-7980 2220-7982 2220-7983 2220-7984 2220-7997 2220-8011 2220-8013 2220-8014 2220-8026 2220-8027 2220-8274 2220-8307 2220-8335 2223-7051 2223-7157 2223-7186 2223-7906 2223-7908 2223-7909 2223-7910 2223-7912 2223-7913 2223-7917 2223-7919 2223-7920 2223-8028 2223-8029 2223-8032 2223-8039 2223-8040 2223-8042 2223-8050 2223-8057 2223-8058 2223-8059 2223-8063 2223-8067 2223-8069 2223-8070 2223-8075 2223-8076 2223-8096 2223-8097 2223-8105 2223-8107 2223-8111 2223-8113 2223-8114 2223-8118 2223-8121 2223-8123 2223-8124 2223-8129 2223-8140 2223-8143 2223-8144 2223-8151 2223-8154 2223-8157 2223-8158 2223-8159 2223-8160 2223-8162 2223-8164 2223-8165 2223-8173 2223-8187 2223-8191 2223-8198 2223-8199 2223-8202 2223-8206 2223-8207 2223-8213 2223-8215 2223-8220 2223-8223 2223-8230 2223-8231 2223-8238 2223-8239 2223-8242 2223-8244 2223-8254 2223-8255 2223-8259 2223-8261 2223-8266 2223-8267 2223-8271 2223-8272 2223-8273 2223-8303 2223-8305 2223-8306 2223-8311 2223-8314 2223-8338 2223-8346 2260-7017 2260-7249 2260-7400 Exhibit "F" 2260-7406 2260-7411 2260-7419 2260-7421 2260-7455 2260-7464 2260-7465 2260-7488 2260-7529 2260-7548 2260-7608 2260-7609 2260-7612 2260-7613 2260-7633 2260-7637 2260-7707 2260-7712 2260-7718 2260-7746 2260-7751 2260-7761 2260-7764 2260-7772 2260-7773 2260-7786 2260-7787 2260-7803 2260-7811 2260-7837 2260-7847 2260-7854 2260-7857 2260-7861 2260-7862 2260-7994 2260-7996 2260-8211 2260-8251 2260-8259 2260-9200 2311-7655 2311-7656 2311-7657 2311-7659 2311-7668 2311-7678 2311-7682 2311-7685 2311-7689 2311-7694 2311-7695 2311-7699 2311-7701 2311-7710 2311-7712 2311-7713 2311-7728 2311-7729 2312-7077 2312-7152 2312-7742 2312-7744 2312-7747 2312-7750 2312-7751 2312-7782 2312-7786 2312-7794 2312-7801 2312-7804 2312-7805 2312-7808 2312-7809 2312-7811 2312-7812 2312-7817 2312-7820 2312-7822 2312-7833 2312-7846 2312-7857 2312-7861 2312-7862 2312-7864 2312-7866 2312-7872 2312-7882 2313-7160 2313-7161 2313-7163 2313-7169 2313-7185 2313-7196 2313-7207 2313-7217 2313-7232 2313-7252 2313-7279 2313-7292 2313-7496 2313-7515 2313-7557 2313-7898 2313-7899 2313-7900 2313-7903 2313-7907 2313-7911 2313-7913 2313-7915 2313-7922 2313-7923 2313-7925 2313-7927 2313-7928 2313-7929 2313-7930 2313-7932 2313-7933 2313-7939 2313-7944 2313-7946 2313-7948 2313-7949 2313-7951 2313-7953 2313-7963 2313-7975 2313-7977 2313-7978 2313-7983 2313-7992 2313-7996 2313-7997 2313-8001 2313-8013 2313-8015 2313-8029 2313-8032 2313-8040 2313-8054 2313-8061 2313-8076 2313-8077 2313-8099 2313-8101 2313-8110 2313-8116 2313-8130 2313-8134 2313-8141 2313-8145 2313-8148 2313-8150 2313-8151 2313-8152 2313-8156 2313-8158 2313-8163 2313-8174 2313-8181 2313-8185 2313-8186 2313-8193 2313-8209 2313-8211 2313-8220 2313-8226 2313-8230 2313-8235 2313-8240 2313-8241 2313-8245 2313-8255 2313-8256 2313-8259 2313-8260 2313-8507 2313-8511 2313-8512 2313-8515 2313-8516 2313-8518 2313-8523 2313-8526 2313-8528 2313-8534 2313-8540 2313-8541 2313-8553 2313-8560 2313-8563 2313-8564 2313-8570 2313-8571 2313-8573 2313-8578 2313-8579 2313-8580 2313-8587 2313-8591 2313-8595 2313-8597 2313-8598 2313-8599 2313-8603 2313-8606 2313-8613 2313-8618 2313-8622 2313-8626 2313-8633 2313-8636 2313-8637 2313-8638 2313-8639 2313-8644 2313-8646 2313-8654 2313-8658 2313-8662 2313-8664 2313-8677 2313-8678 2313-8680 2313-8685 2313-8686 2313-8687 2313-8688 2313-8689 2313-8690 2313-8701 2313-8702 2313-8704 2313-8713 2313-8716 2313-8727 2313-8734 2313-8735 2313-8738 2313-8746 2313-8750 2313-8751 2313-8755 2313-8757 2313-8760 2313-8762 2313-8763 2313-8764 2313-8780 2313-8793 2313-8797 2313-8803 2313-8816 2313-8821 2313-8826 2313-8827 2313-8849 2313-8852 2313-8865 2313-8879 2319-8083 2319-8094 2319-8169 2319-8847 2360-7322 2360-7444 2360-7450 2360-7765 2360-7775 2360-8322 2360-8365 2360-8367 2360-8392 2360-8410 2360-8414 2360-8417 2360-8428 2360-8435 2360-8447 2360-8451 2360-8475 2360-8480 2360-8481 2360-8482 2360-8483 2360-8766 2360-8768 2360-8796 2410-7039 2410-7395 2410-7482 2410-7484 2410-7490 2410-7505 2410-7508 2410-7512 2410-7515 2410-7522 2410-7535 2410-7538 2410-7546 2410-7547 2410-7557 2410-7565 2410-7572 2410-7592 2410-7600 2410-7609 2410-7611 2410-7615 2410-7623 2410-7632 2410-7646 2410-7653 2410-7657 2410-7676 2410-7677 2410-7824 2410-7887 2410-7888 2410-7905 2410-7935 2410-8075 2410-8102 2410-8104 2410-8106 2410-8107 2410-8110 2410-8111 2410-8112 2410-8149 2410-8164 2410-8431 2412-7023 Group 2 Tier 2 (cont) 2412-7079 2412-7082 2412-7085 2412-7091 2412-7104 2412-7134 2412-7137 2412-7172 2412-7179 2412-7192 2412-7193 2412-7204 2412-7307 2412-7308 2412-7309 2412-7310 2412-7311 2412-7312 2412-7313 2412-7318 2412-7324 2412-7326 2412-7328 2412-7330 2412-7336 2412-7344 2412-7346 2412-7348 2412-7361 2412-7369 2412-7370 2412-7378 2412-7384 2412-7385 2412-7386 2412-7388 2412-7407 2412-7420 2412-7426 2412-7433 2412-7444 2412-7445 2412-7446 2412-7450 2412-7451 2412-7456 2412-7459 2412-7460 2412-7462 2412-7464 2412-7465 2412-7691 2412-7809 2412-7810 2412-7816 2412-7834 2412-7836 2412-7838 2412-7850 2412-7866 2412-7874 2412-7878 2412-7881 2412-7901 2412-7907 2412-7923 2412-7929 2412-7952 2412-7954 2412-7956 2412-7960 2412-7961 2412-7973 2412-7981 2412-7988 2412-7992 2412-8005 2412-8025 2412-8028 2412-8029 2412-8036 2412-8043 2412-8049 2412-8051 2412-8058 2412-8063 2412-8064 2412-8065 2412-8071 2412-8073 2412-8093 2412-8097 2412-8098 2412-8124 2412-8125 2412-8144 2412-8147 2412-8159 2412-8171 2412-8174 2412-8177 2412-8182 2412-8185 2412-8188 2412-8189 2412-8197 2412-8207 2412-8212 2412-8213 2412-8215 2412-8220 2412-8227 2412-8237 2412-8241 2412-8248 2412-8250 2412-8252 2412-8253 2412-8256 2412-8257 2412-8259 2412-8260 2412-8263 2412-8265 2412-8267 2412-8273 2412-8275 2412-8282 2412-8284 2412-8299 2412-8307 2412-8308 2412-8318 2412-8320 2412-8340 2412-8349 2412-8352 2412-8388 2412-8394 2412-8423 2420-7101 2420-7150 2420-7239 2420-7635 Exhibit "F" 2420-7646 2420-7655 2420-7656 2420-7658 2420-7659 2420-7660 2420-7664 2420-7665 2420-7666 2420-7667 2420-7668 2420-7671 2420-7675 2420-7680 2420-7682 2420-7688 2420-7697 2420-7708 2420-7712 2420-7731 2420-7733 2420-7739 2420-7744 2420-7750 2420-7752 2420-7753 2420-7757 2420-7762 2420-8603 2420-8636 2420-8648 2421-7002 2421-7037 2421-7053 2421-7561 2421-7573 2421-7580 2421-7587 2421-7605 2421-7612 2421-7618 2421-8625 2422-7069 2422-7231 2422-7262 2422-7286 2422-7636 2422-7638 2422-7767 2422-7776 2422-7780 2422-7782 2422-7785 2422-7786 2422-7788 2422-7789 2422-7790 2422-7804 2422-7805 2422-7807 2422-7812 2422-7815 2422-7816 2422-7817 2422-7820 2422-7824 2422-7833 2422-7836 2422-7840 2422-7861 2422-7871 2422-7875 2422-7876 2422-7877 2422-7879 2422-7882 2422-7887 2422-7906 2422-7909 2422-7913 2422-7914 2422-7924 2422-7927 2422-7940 2422-7943 2423-7641 2423-7766 2423-8641 2430-7361 2430-7438 2430-8319 2430-8321 2430-8322 2430-8323 2430-8324 2430-8330 2430-8334 2430-8342 2430-8343 2430-8351 2430-8353 2430-8358 2430-8366 2430-8367 2430-8374 2430-8377 2430-8398 2430-8403 2430-8407 2430-8410 2430-8424 2430-8428 2430-8429 2430-8433 2430-8435 2430-8446 2430-8459 2430-8463 2430-8465 2430-8467 2430-8468 2430-8476 2430-8611 2430-8616 2430-8622 2430-8637 2430-8658 2430-8678 2430-8680 2432-7853 2432-7870 2432-7920 2432-7922 2432-7944 2433-7317 2433-7344 2433-7412 2433-7413 2433-7415 2433-7423 2433-7426 2433-7947 2433-7951 2433-7958 2433-7964 2433-7965 2433-7968 2433-7970 2433-7983 2433-7986 2433-7987 2433-7998 2433-8000 2433-8004 2433-8015 2433-8026 2433-8027 2433-8034 2433-8035 2433-8037 2433-8039 2433-8042 2433-8045 2433-8047 2433-8051 2433-8052 2433-8083 2433-8084 2433-8093 2433-8106 2433-8111 2433-8113 2433-8114 2433-8133 2433-8144 2433-8150 2433-8151 2433-8153 2433-8158 2433-8159 2433-8164 2433-8173 2433-8176 2433-8177 2433-8179 2433-8180 2433-8181 2433-8184 2433-8193 2433-8198 2433-8199 2433-8204 2433-8208 2433-8210 2433-8213 2433-8216 2433-8218 2433-8222 2433-8226 2433-8236 2433-8239 2433-8252 2433-8257 2433-8265 2433-8280 2433-8281 2433-8283 2433-8287 2433-8290 2433-8291 2433-8292 2433-8293 2433-8302 2433-8304 2433-8306 2433-8318 2433-8491 2433-8496 2433-8497 2433-8498 2433-8505 2433-8513 2433-8514 2433-8515 2433-8525 2433-8529 2433-8536 2433-8542 2433-8543 2433-8544 2433-8545 2433-8548 2433-8550 2433-8591 2433-8593 2433-8652 2433-8662 2433-8663 2433-8687 2434-7582 2434-8563 2434-8567 2434-8606 2440-7702 2440-7703 2440-7709 2440-7713 2440-7722 2440-7725 2440-7727 2440-7732 2440-7744 2440-7747 2440-7755 2440-7768 2440-7769 2440-7781 2440-7788 2440-7789 2440-7790 2440-7801 2440-7802 2440-8426 2441-7087 2441-7088 2441-7124 2441-7157 2441-7190 2441-7208 2441-7435 2441-7436 2441-7902 2441-7904 2441-7940 2441-8013 2441-8022 2441-8023 2441-8053 2441-8056 2441-8066 2441-8068 2441-8361 2442-7382 2442-7474 2442-7478 2442-7886 2442-8010 2510-8213 2510-8223 2510-8261 2514-7262 2514-7263 2514-8018 2514-8032 2514-8048 2514-8057 2514-8059 2514-8063 2514-8073 2514-8118 2514-8122 2514-8135 2514-8161 2514-8162 2514-8166 2514-8198 2514-8283 2514-8302 2514-8325 2514-8451 2515-7318 2515-7323 2515-7870 2515-7872 2515-7881 2515-7884 2515-7905 2515-7923 2515-7940 2515-7945 2515-7947 2515-7967 2515-7969 2515-7991 2515-8348 2515-8383 2515-8386 2515-8401 2515-8404 2515-8406 2519-8367 2519-8373 2519-8375 2519-8381 2520-7075 2520-7089 Group 2 Tier 2 (cont) 2520-7106 2520-7122 2520-7587 2520-7597 2520-7598 2520-7604 2520-7624 2520-7644 2520-7657 2520-7664 2520-7670 2520-7672 2520-7673 2520-7680 2521-7688 2521-7711 2521-7714 2521-7716 2530-7495 2530-7504 2530-7525 2530-7529 2531-7006 2531-7024 2531-7027 2531-7033 2531-7039 2531-7048 2531-7051 2531-7084 2531-7088 2531-7131 2531-7143 2531-7153 2531-7172 2531-7457 2531-7458 2531-7482 2531-7485 2531-7489 2531-7490 2531-7492 2531-7539 2531-7544 2531-7548 2531-7551 2531-7554 2531-7564 2531-7565 2531-7568 2531-7570 2531-7572 2531-7583 2531-7588 2531-7595 2531-7596 2531-7603 2531-7606 2531-7611 2531-7615 2531-7616 2531-7623 2531-7627 2531-7628 2531-7636 2531-7657 2531-7661 2531-7662 2531-7667 2531-7679 2531-7684 2531-7712 2531-7713 2531-7720 2531-7730 2531-7744 2531-7747 2531-7750 2531-7758 2531-7760 2531-7774 2531-7779 2531-7783 2531-7786 2531-7788 2531-7796 2531-7797 2531-7798 2531-7802 2531-8431 2531-8435 2531-8442 2531-8443 2531-8447 2531-8453 2531-8469 2531-8481 2531-8482 2531-8484 2531-8487 2531-8497 2532-7197 2532-7200 2532-7226 2532-7234 2532-7238 2532-7249 2532-7805 2532-7806 2532-7809 2532-7812 2532-7813 2532-7814 2532-7823 2532-7830 2532-7833 2532-7836 2532-7841 2532-7893 2532-7894 2532-7896 2532-7898 2532-7900 2532-7909 2532-7916 2532-7918 2532-7919 2532-7920 2532-7921 2532-7927 2532-7933 2532-7934 2532-7935 2532-7936 2532-7939 2532-7943 2532-7947 2532-7949 2532-7950 2532-7951 2532-7952 2532-7953 2532-7956 2532-7961 Exhibit "F" 2532-7965 2532-7971 2532-7978 2532-7980 2532-8433 2532-8456 2532-8499 2532-8501 2532-8502 2532-8504 2539-7860 2539-7862 2539-7869 2539-7873 2539-7875 2539-7882 2540-7422 2540-7442 2540-7453 2540-7464 2540-7467 2540-7472 2540-7475 2540-7479 2540-7501 2540-7506 2540-7511 2540-7513 2540-7538 2540-7547 2550-7144 2550-7258 2550-7498 2550-7558 2550-7690 2550-7707 2550-7731 2550-7741 2550-7745 2550-7748 2550-7750 2550-7751 2550-7760 2550-7761 2550-7763 2550-7774 2550-7798 2550-7805 2550-7818 2550-7952 2550-8158 2560-7269 2560-7330 2610-7332 2610-7352 2610-7383 2611-7037 2611-7053 2611-7081 2611-7122 2611-7133 2611-7149 2611-7190 2611-7192 2611-7197 2611-7335 2611-7499 2611-8436 2612-7067 2612-7078 2612-7123 2612-7140 2612-7164 2612-7204 2612-7226 2612-7283 2612-7500 2612-9124 2613-7568 2613-8815 2613-8827 2613-8828 2613-8832 2613-8840 2613-8850 2613-8851 2613-8874 2613-8876 2613-8888 2613-8893 2613-8899 2613-8903 2620-7326 2620-7547 2620-8395 2620-8399 2620-8489 2620-8491 2620-8496 2620-8509 2620-8526 2620-8586 2620-8633 2620-8647 2620-8656 2620-8667 2620-8674 2620-8713 2620-8715 2620-8744 2620-8750 2620-8760 2620-8805 2620-8811 2620-9012 2621-7586 2621-7587 2621-7635 2621-7684 2621-8362 2621-8374 2621-8398 2621-8407 2621-8511 2622-7578 2622-7583 2622-7584 2622-7595 2622-7636 2622-7638 2622-7639 2622-7641 2622-7645 2622-7653 2622-7656 2622-7657 2622-7658 2622-7663 2622-7665 2622-7672 2622-7673 2622-7680 2622-7694 2622-7701 2622-7702 2622-7708 2622-7710 2622-7718 2622-7719 2622-7720 2622-7721 2622-7725 2622-7726 2622-7727 2622-7728 2622-7730 2622-7741 2622-8384 2622-8425 2622-8427 2622-8441 2622-8443 2622-8446 2622-8522 2622-8530 2622-8551 2622-8560 2622-8562 2622-8583 2622-8610 2622-8617 2622-8635 2622-8695 2622-8719 2622-8734 2622-8736 2622-8742 2622-8755 2622-8789 2630-7881 2630-7883 2630-7892 2630-7893 2630-7896 2630-7901 2630-7904 2630-7905 2630-7912 2630-7916 2630-7923 2630-7925 2630-7927 2630-7937 2630-7940 2630-7941 2630-7942 2630-9093 2631-7155 2631-7766 2631-7771 2631-7772 2631-7775 2631-7778 2631-7790 2631-7791 2631-7821 2631-7847 2631-7848 2631-7849 2631-7953 2631-7957 2631-7980 2631-7981 2631-7989 2631-7991 2631-7995 2631-8099 2631-8115 2631-8122 2631-8128 2631-8136 2631-8138 2631-8142 2631-8144 2631-8147 2631-8148 2631-8149 2631-8157 2631-8177 2631-8203 2631-8204 2631-8215 2631-8216 2631-8248 2631-8250 2631-8252 2631-8254 2631-8255 2631-8258 2631-8262 2631-8263 2631-8264 2631-8272 2631-8279 2631-8283 2631-8291 2631-8300 2631-8301 2631-8303 2631-8304 2631-8311 2631-8315 2631-8317 2631-8349 2631-8501 2631-8732 2631-8906 2631-8921 2631-8926 2631-8928 2631-8938 2631-8961 2631-9139 2631-9148 2632-7759 2632-7767 2632-7769 2632-7788 2632-7798 2632-7993 2632-8093 2632-8152 2632-8154 2632-8162 2632-8164 2632-8165 2632-8167 2632-8169 2632-8171 2632-8172 2632-8174 2632-8175 2632-8196 2632-8909 2640-8039 2640-8040 2640-8049 2640-8052 2640-8054 2640-8057 2640-8063 2640-8081 2640-8083 2640-8085 2640-8086 2640-8089 2640-8093 2640-8098 2640-8099 2640-8111 2640-8112 2640-8117 2640-8120 2640-8122 2640-8125 2641-7120 2641-7866 2641-7867 2641-7871 2641-7876 2641-7990 2641-8128 2641-8129 2641-8144 2641-8157 2641-8159 2641-8162 2641-8167 2641-8212 2641-8227 2641-8233 2641-8239 2642-7829 2642-7843 2642-7844 2642-7846 2642-7847 2642-7851 2642-7856 2642-7858 2642-7859 2642-7873 2642-7882 2642-7884 2642-7887 2642-7909 Group 2 Tier 2 (cont) 2642-7923 2642-7925 2642-7927 2642-7929 2642-7932 2642-7933 2642-7941 2642-7944 2642-7946 2642-7947 2642-7953 2642-7954 2642-7955 2642-7956 2642-7957 2642-7958 2642-7962 2642-7974 2642-7975 2642-7980 2642-8002 2642-8003 2642-8012 2642-8025 2642-8136 2642-8139 2642-8141 2642-8143 2650-7043 2650-7058 2650-7073 2650-7508 2650-7514 2650-7530 2650-7540 2650-7551 2650-7563 2650-7566 2650-7578 2650-7581 2650-7586 2650-7587 2650-7588 2650-7602 2650-7611 2650-7612 2650-7632 2650-8186 2650-8244 2651-7596 2651-7600 2651-7601 2651-7606 2651-7615 2651-7619 2651-7620 2651-7621 2651-7623 2651-7624 2651-7625 2651-7628 2651-7631 2651-7633 2651-8659 2652-7013 2652-7019 2652-7030 2652-7077 2652-7304 2652-7307 2652-7311 2652-7312 2652-7316 2652-7390 2652-7436 2652-7437 2652-7442 2652-7443 2652-7445 2652-7447 2652-7450 2652-7451 2652-7454 2652-7459 2652-7464 2652-7465 2652-7473 2652-7474 2652-7482 2652-7649 2652-8172 2652-8189 2652-8196 2653-7690 2653-7694 2653-7699 2653-7707 2653-7719 2653-7722 2653-7723 2653-7727 2653-7729 2653-7733 2653-7734 2653-7738 2653-7739 2653-7742 2653-7748 2653-7754 2653-7756 2653-7763 2653-7767 2653-7771 2653-7773 2653-7774 2653-7775 2653-7781 2653-7784 2653-7790 2653-7792 2653-7797 2653-7804 2653-7818 2653-7824 2653-8199 2654-7024 2654-7079 2654-7206 2654-7241 2654-7331 2654-7333 2654-7334 2654-7338 2654-7341 2654-7358 2654-7361 2654-7370 2654-7377 2654-7383 2654-7392 2654-7404 2654-7405 2654-7408 2654-7410 Exhibit it F it 2654-7411 2654-7419 2654-7425 2654-7480 2654-7484 2654-7641 2654-7645 2654-7648 2654-7653 2654-7654 2654-7665 2654-7666 2654-8245 2655-7669 2655-7671 2655-7758 2660-8002 2660-8010 2660-8018 2660-8034 2660-8036 2660-8037 2660-8039 2660-8043 2660-8044 2660-8068 2670-7760 2670-7762 2670-7779 2670-7782 2670-7784 2670-7785 2670-7809 2670-7828 2670-7829 2670-7832 2670-7834 2670-7870 2670-7873 2670-7876 2670-7954 2670-7955 2670-7956 2670-7998 2670-8013 2670-8017 2670-8023 2670-8035 2670-8082 2670-8087 2670-8111 2670-8192 2670-8220 2670-8323 2670-8333 2670-8334 2670-8913 2670-8971 2670-9077 2710-7068 2710-7081 2710-7084 2710-7100 2710-7111 2710-7433 2710-7698 2710-7725 2710-7788 2710-7789 2710-7798 2710-7816 2710-7817 2710-7899 2710-7910 2710-7935 2710-7940 2710-7949 2710-8009 2710-8035 2710-8054 2710-8071 2710-8081 2710-8086 2710-8089 2710-8095 2710-8098 2710-8159 2710-8193 2710-8202 2710-9289 2711-7198 2711-7336 2711-7603 2711-7604 2711-7608 2711-7610 2711-7611 2711-7665 2711-7667 2711-7682 2711-7689 2711-7690 2711-8243 2711-8252 2711-8257 2711-8261 2711-8263 2711-8269 2711-8270 2711-8271 2711-8288 2711-8291 2711-8299 2711-8301 2711-8302 2711-8321 2711-8366 2711-8369 2711-8372 2711-8442 2711-8444 2711-8452 2711-8607 2711-8636 2711-8641 2711-8642 2711-8644 2711-8651 2711-8675 2711-8676 2711-8693 2711-8748 2711-8757 2711-8758 2711-8764 2711-8769 2711-8774 2711-8776 2711-8783 2711-8787 2711-8807 2711-8808 2711-8823 2711-8831 2711-8833 2711-8896 2711-8931 2711-8933 2711-8935 2711-8943 2711-8944 2711-8948 2711-8949 2711-8960 2711-8973 2711-8979 2711-8984 2711-8990 2711-9280 2711-9296 2712-7653 2712-9035 2712-9057 2712-9059 2712-9063 2712-9068 2712-9101 2712-9138 2712-9145 2712-9146 2712-9148 2712-9152 2712-9161 2712-9164 2712-9168 2712-9172 2712-9176 2712-9177 2712-9179 2712-9182 2712-9185 2712-9188 2712-9283 2719-7007 2719-7014 2719-7159 2719-7210 2719-7216 2719-7223 2719-7256 2719-7265 2719-7292 2719-7392 2719-7400 2719-7404 2719-7405 2719-7538 2719-7539 2719-7540 2719-7544 2719-7545 2719-7549 2719-7550 2719-7556 2719-7571 2719-7592 2719-7632 2719-7651 2719-7652 2719-7761 2719-8011 2719-8165 2719-8208 2719-8229 2719-8273 2719-8277 2719-8333 2719-8334 2719-8378 2719-8421 2719-8428 2719-8431 2719-8478 2719-8483 2719-8486 2719-8489 2719-8509 2719-8521 2719-8523 2719-8535 2719-8542 2719-8543 2719-8546 2719-8552 2719-8555 2719-8559 2719-8562 2719-8572 2719-8584 2719-8593 2719-8667 2719-8680 2719-8686 2719-8707 2719-8713 2719-8714 2719-8723 2719-8730 2719-8733 2719-8736 2719-8739 2719-8763 2719-8811 2719-8838 2719-8864 2719-8868 2719-8870 2719-8876 2719-8877 2719-8883 2719-8894 2719-8898 2719-8906 2719-8922 2719-8967 2719-8968 2719-8971 2719-8975 2719-8995 2719-9016 2719-9047 2719-9052 2719-9076 2719-9078 2719-9079 2719-9081 2719-9087 2719-9090 2719-9092 2719-9095 2719-9099 2719-9113 2719-9115 2719-9116 2719-9120 2719-9121 2719-9195 2719-9214 2719-9218 2719-9240 2719-9246 2719-9258 2720-7804 2720-7811 2720-7815 2720-7829 2720-7832 2720-7836 2720-7839 2720-7844 2720-7848 2720-7865 2720-7867 2720-7885 2720-7892 2720-7901 2720-7902 2720-7937 2720-7942 2720-7943 2720-7948 2724-7108 2724-7115 2724-7118 2724-7135 2724-7148 2724-7151 2724-7163 2724-7185 2724-7626 2724-7635 2724-7637 2724-7638 2724-7644 2724-7654 2724-7655 2724-7665 2724-7666 2724-7673 2724-7676 2724-7677 2724-7680 2724-7684 2724-7692 2724-7698 2724-7699 Group 2 Tier 2 (cont) 2724-7703 2724-7719 2724-7724 2724-7732 2724-7742 2724-7743 2724-7744 2724-7746 2724-7750 2724-7753 2724-7756 2724-7757 2724-7768 2724-7769 2724-7772 2724-7774 2724-7776 2724-7788 2724-7807 2724-7813 2724-7835 2724-7870 2724-7884 2724-7891 2724-7938 2724-7958 2724-7961 2724-7963 2724-7971 2724-7972 2724-7974 2724-7981 2724-7984 2724-7991 2724-7993 2724-7997 2724-7998 2724-7999 2724-8006 2724-8011 2724-8012 2724-8015 2724-8017 2724-8019 2724-8043 2724-8063 2724-8067 2724-8069 2724-8077 2724-8087 2724-8099 2724-8111 2724-8116 2724-8149 2724-8154 2724-8155 2724-8161 2724-8165 2724-8168 2724-8172 2724-8176 2724-8178 2724-8181 2724-8183 2724-8185 2724-8187 2724-8188 2724-8195 2724-8198 2724-8200 2724-8206 2724-8212 2724-8219 2724-8222 2724-8228 2724-8229 2724-8234 2724-8237 2724-8243 2724-8245 2724-8250 2724-8258 2724-8271 2724-8282 2724-8284 2724-8288 2724-8290 2724-8292 2724-8309 2724-8312 2724-8317 2724-8325 2724-8331 2724-8338 2724-8342 2724-8353 2724-8355 2724-8358 2724-8359 2724-8363 2724-8367 2724-8374 2724-8378 2724-8380 2724-8385 2724-8387 2724-8388 2724-8390 2724-8391 2724-8394 2724-8396 2724-8401 2724-8405 2724-8410 2724-8413 2724-8419 2724-8428 2724-8429 2724-8434 2724-8435 2724-8437 2724-8438 2724-8442 2724-8444 2724-8447 2724-8453 2724-8461 2724-8462 2724-8465 2724-8467 2724-8471 2724-8480 2724-8482 2724-8483 2724-8489 2724-8491 2724-8498 2724-8503 2724-8510 2724-8519 2724-8525 2724-8527 2724-8529 2724-8531 Exhibit "F" 2724-8538 2724-8548 2724-8549 2724-8554 2724-8560 2724-8565 2724-8567 2724-8572 2724-8574 2724-8576 2724-8583 2724-8585 2724-8587 2724-8593 2724-8599 2724-8602 2724-8604 2724-8609 2724-8619 2724-8620 2724-8623 2724-8624 2724-8625 2724-8640 2730-7385 2730-7394 2730-7401 2730-7404 2730-7413 2730-7414 2730-7422 2730-7426 2730-7434 2730-7440 2730-7449 2730-7450 2739-7017 2739-7036 2739-7044 2739-7064 2739-7068 2739-7077 2739-7094 2739-7254 2739-7258 2739-7259 2739-7261 2739-7264 2739-7276 2739-7281 2739-7282 2739-7283 2739-7284 2739-7289 2739-7294 2739-7296 2739-7307 2739-7310 2739-7316 2739-7321 2739-7325 2739-7326 2739-7328 2739-7332 2739-7336 2739-7344 2739-7345 2739-7354 2739-7355 2739-7366 2739-7378 2739-7452 2739-7453 2739-7457 2739-7461 2739-7463 2739-7473 2739-7488 2739-7490 2739-7494 2739-7496 2739-7498 2739-7506 2739-7509 2739-7512 2739-7515 2739-7526 2739-7527 2739-7533 2739-7535 2739-7539 2739-7541 2739-7548 2739-7554 2739-7556 2739-7559 2739-7562 2739-7572 2739-7575 2739-7577 2739-7582 2739-7584 2739-7590 2739-7591 2739-7594 2739-7599 2739-7618 2739-7626 2739-7635 2739-7636 2739-7640 2739-7647 2739-7651 2739-7659 2739-8276 2739-8285 2740-7371 2740-7376 2740-7380 2740-7386 2740-7387 2740-7392 2740-7395 2740-7403 2740-7406 2740-7410 2740-7412 2740-7413 2740-7416 2740-7419 2740-7420 2740-7425 2740-7432 2740-7455 2740-8633 2740-8654 2749-7056 2749-7060 2749-7065 2749-7082 2749-7110 2749-7172 2749-7257 2749-7258 2749-7260 2749-7268 2749-7274 2749-7276 2749-7283 2749-7285 2749-7291 2749-7294 2749-7298 2749-7305 2749-7307 2749-7314 2749-7316 2749-7318 2749-7320 2749-7321 2749-7322 2749-7335 2749-7337 2749-7342 2749-7354 2749-7357 2749-7359 2749-7362 2749-7464 2749-7465 2749-7470 2749-7472 2749-7475 2749-7476 2749-7485 2749-7486 2749-7487 2749-7491 2749-7494 2749-7504 2749-7510 2749-7515 2749-7516 2749-7522 2749-7525 2749-7526 2749-7529 2749-7530 2749-7535 2749-7538 2749-7542 2749-7543 2749-7546 2749-7551 2749-7559 2749-7560 2749-7566 2749-7570 2749-7572 2749-7575 2749-7577 2749-7584 2749-7588 2749-7592 2749-7593 2749-7595 2749-7600 2749-7602 2749-7603 2749-7606 2749-7615 2749-7618 2749-7619 2749-7620 2749-8641 2749-8659 2749-8665 2750-7124 2750-7128 2750-7130 2750-7132 2750-7133 2750-7135 2750-7727 2750-7958 2750-7966 2750-7971 2750-7987 2750-7988 2750-7997 2150-8028 2750-8033 2750-8056 2750-8057 2750-8158 2750-8243 2750-8246 2750-8247 2750-8286 2759-7002 2759-7013 2759-7082 2759-7087 2759-7102 2759-7111 2759-7113 2759-7114 2759-7169 2759-7185 2759-7190 2759-7683 2759-7689 2759-7694 2759-7704 2759-7705 2759-7707 2759-7709 2759-7712 2759-7714 2759-7715 2759-7725 2759-7745 2759-7747 2759-7748 2759-7751 2759-7756 2759-7764 2759-7767 2759-7777 2759-7780 2759-7783 2759-7785 2759-7789 2759-7790 2759-7792 2759-7804 2759-7808 2759-7809 2759-7811 2759-7813 2759-7821 2759-7823 2759-7827 2759-7831 2759-7841 2759-7872 2759-7873 2759-7875 2759-7882 2759-7888 2759-7898 2759-7899 2759-7902 2759-7903 2759-7905 2759-7908 2759-7914 2759-7921 2759-7926 2759-7930 2759-7935 2759-7937 2759-7939 2759-7942 2759-7946 2759-7947 2759-7949 2759-8073 2759-8075 2759-8077 2759-8079 2759-8081 2759-8083 2759-8086 2759-8088 2759-8090 2759-8092 2759-8096 2759-8106 2759-8109 2759-8111 2759-8113 2759-8114 2759-8117 2759-8118 2759-8121 2759-8139 2759-8142 2759-8143 2759-8154 2759-8179 2759-8182 2759-8187 2759-8190 2759-8195 2759-8196 rZ iV N N N IV N N N N N N N N N N N IV N N N N IV N IV N N N IV N IV N tV IV N N IV N IV N IV N N IV N IV N N IV 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 0o w �, �, �, �, �, v v �, v v �, v v v 4 �����1-4 w w w to w w w w w w w w w w w w O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O to o to o ko 0 to W W 0 0 0 o 0 to 0 00 00 00 00 00 00 00 00 �J %*4 v v v v v v � v v v v v v v v v v v v v v v 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 F-' F-' 1-A O O O O O �I �I �l a1 a1 0) Q1 a1 01 01 a1 a1 01 0) a) 0) 01 a) 01 Q1 tW W 1V 0 W IV N N N IV N N N N N IV N N N IV N O O w � v W W a1 to to l0 00 00 00 00 00 �! � 0) a1 al W N N F" I-, 1-A to to tD to O tD 0o to to to W W N N 1--h F" 1-A O O O W�-A O w m W m 1-A 0 w N 0 w w m w IV 4�b W w �I O W �I W p m 1V m w IV 1� 1-A N 0 w W N W IV w w4�b 1-A O w w O N N N N N N N N N N N N N N N IV N IV NJ IV N IV N IV N IV IV N N IV N N N N N IV N IV IV N N N IV N IV N N N 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 1-A 1- A 1-, 1-A 1-& 1-A 1-A �-A 1•--� �--� 1" N �-A �-A F--A 1� �--' 1�--& N 1--� 1-I 1--A 1-4 1-, �--� 1-, 1-A 1-A 1-4 1-A 1-, 1-" 1-A 1-, 1-A F-A 1-A 1--h 1- A 1-, 1--b Ln to to to to to Ln to to to W W W W N IV N N Ni N N N Ni N N N) N 0 0 0 0 0 0 0 O 0 0 0 0 0 0 0 0 0 0 0 0 0 00 00 00 00 00 00 00 �i �I �! **4 v v v v v v v v v v v v v v v v 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 F-' O O O O O O W W W 00 00 �! 1-A � � � � � � � � � 0) a1 01 1b 01 to to N N N N N N N Ni N N N Ni 1--b 1-, 1-A 1 " 1-, O al 01 to -Pb -Pb W N N O 1-A 1-4 al a1 Ln � -Ph W W W N O O -Pb W N O W �I to tD tD to -Ph -ph W W W Ni N N 0 00 al Ln -Pb 4�b N .Ihb W v O Ch N 00 00 O i-A v O4�b �-A to 4�ta O �I a1 to 4�b M O N v W O 00 W 1- & O W O W 00 W to a-, O W �l 00 O W �I 4�b N N N N N N N IV 11#0 N N N IV IV N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo 00 00 00 Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N 1-� 1-, 1-� 1--� 1-, � 1--� 1--�► � v v v v v v v v v v v v v v v v v v v v v v v v v v v v v v v v v v v v v v v W 00 0o v v o0 00 00 00 to Ln Ln to to Ln to to 4�b 4�b .h 4b .b .p .Plb 4�b 4�b 4�b -Pb -Pb .p o a) to to In to to to to to to to to to to to pb .A to O O 1-, i-& W W 00 00 00 v O O W W W W 00 00 v� M M M to W 1-A 0 v� M W W 4�b 4�b W W N N N 1" 1--a w to W M M lD to 14 O O .mDb 0 M to N W W 1--b kD v" W �! M M to W �J W W" F" 04�b W �I to N �l 1-A w O w W 1-b �I Pb w m �! w O m4�b v m N N N IV N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N w 00 w w w Oo w 00 w w w w 00 w w w w w w w 00 w w w w 00 00 w w w w w w w w w w w w w w w w w w w w 00 �J�h 4:b -Ab 4�b -p 4�b Db 4�b 4�b 44�b W W W W W W W W W W W W W W w W W W W W W w W W W W W W W W N N N N 00 00 00 00 00 00 00 00 00 00 00 00 0o v o0 00 0o Oo v v v v v v v v v v v v v v v v v v v v v v v v v v w v v v �• .� .� .� -p .� 1-A to to O O W to 00 00 00 00 00 `I �I `I �I N N N N kD kD W W LD l0 l0 00 00 �! � Ln 01 Cr) to oo 0) Ln to Ln -Pb W W W Ni N 1- o o to O Co o to to .� .� 1-A O ko o a1 a) Ln 1-A O CD � � w NJ1-A 1-A o � M o a) to o O W 1-A W v � Cy)W a) Ln 1-A � to a> o 1-A .� 1-" o o� � .� o aj N W O oo 0 oo W 0) a) o ai v W�-A N v N o v oo w a) Ln Ln N to N N N IV IV N IV IV IV N N IV (V N N N IV N N IV (V N IV tV IV IV 1V N N IV N IV N N N IV N IV N IV N IV N N N N N N Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo Oo 00 Oo 00 Oo Oo Oo Oo t,n to c� c,n to to W W to to Ln to to to W W W W W W W W w W W W W W W IV IV IV N IV 1-A 1-A O O O O O O O O O O O 00 00 00 00 00 00 00 00 00 00 00 00 00 �I �I �J %%j v v v v v � � 00 00 00 00 00 00 00 00 00 00 �I �I �I 00 00 00 00 00 00 00 00 00 00 00 IV N Ni N IV N O O O O O O O W W W �I �I %*! %%I v v vi�" to W W W W W W W W W 4�ik 0 0 (71 W Ln to to Ln to pb 4�b 4�b -p 00 %%! �! �I �! �! W 00 00 00 00 00 00 W W O 00 00 00 **%1 � � � 01 -pb W lD W 00 0) W " N N a1 -Ph 1-, .A W W 1-A 1-A 1-A O w w w 00 0 00 �4�ib W o F" o � M N 1-A O L N o0 o� W o 00 � M � W to .pb W w4�b M w 1-a on O � � 1-a o 0) w o 4�,b O v a N N N N N N N N N IV N IV N N N N N N N IV N tV N N N N N N N N N N N N N N N N N N N N N N N N N N 1--A 1--& 1-� 1--� 1-A 1-A 1-, 1" 1--A1-� 1-� 1--� 1--� N 1-, 1-� N 1-� 1--� 1�-� 1� 1� 1-� 1--A m m m m m m 1� 1� 1� 1--� 1--� 1--� 1-� 1-� 1-�► 1� 1-� 1-� 1-A 1-4 1-A 1--A 1-A 1-A 1--b 1� 1� F"O o O o 0 0 0 0 0 o O o 0 0 0 o O o o O Ln W w to w Ln v v v v v v v v v v v v v v v v v v v v v v v v v v v v v v o0 00 00 00 00 00 W N N N N N N N N N N N N N N N N N N N N N W to to w w to .p ��4�b 4�b pb �4-'�b 4�b -p+ W W W 01 a) N N N N O l0 0 w o 00 00 �! �I v � v v 0) 0) a) 0) to Ln to to to �-A 1--A 1--a O O O to �I �I � v 0) Q1 0) to W O 00 to IN 4�b N 00 00 00 00 G o v to O 0) -ph o Oo v (3) .P N oo .4h W N W M W-ph W a) 1- A O Oo .p N 0o W to .�lb N to W 1-A 4�lb C) M W O W 1-A Ln v to W N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N t0 lD C,U lD CD � to tD t,D lD C,O CD t,D t,D lD t,� t,D lfl la lD o lD l0 l0 t,D lD lD t,D t,D lD t,D lD t,D t,D t,D t,D lD lD CD lD t,D lD CD l0 lD tD tD t� W W W W W W W W W W 00 00 00 00 Oo Oo 00 Oo Oo O a) owi a) 01 01 Ln Ln to Ln Ln 4�b 4�b -ob .p W W W W W W W W W 1� 1--& 1-A O O O O O o � W W W W W .Q W W W N N 1-A 1�-A O W ah a1 a) Ln to 4�b N N N 1-" O O O O kD Oo Ln to to 4�b � W W w N O v ai m to �� O 1-, O O O O .ob o � N o m o w o�-A w 1-A O o m O w w N o w to w F" O w w-4�b 1--A W -Pb ��-A 04�b O F" M� � M 1-A 1-4 N W � W� IV N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N W t,D W W W W W o W W W W o to o W W W tD to W W W 1%0 W W W W W W W t0 tD W o (40 W W ko W W W W W W W W W 1-A 1-4 1-" 1-A I -A F" F" 1-A 1-A 1-A �-A 1-, 1-A 1-A F-, F" 1" 1-" 1-A 1-" 1" 1-" 1-, 1-A -Ph 4�b 4�b -p �4�b 4�b -Ph Pb -Pb Pb �-Ph -Pb -Ph Pb -Pb �-Ab Pb Pb 4:�h 4b4�b 4 W W W W W W W W W W W W W W W W W W W W W W l0 l0 lD l0 lD t,0 to t,D t,D l0 � lD l0 lD lD o t,D l0 lD lD lD t,D lD lD 1-� 1-� � lD 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 �I a1 a1 a1 a1 a1 a1 to to to .40b 41b -Pb 4�b W W 1-A W W W W 00 W W 00 4 to to to 4�b -�lb O 0) CJ'1 1-, �! to 4�b N O o0 to 0 W W IV 1--b �! 0) 1-A 1-, 4 4�:b Pot W 00 v 0) W IV 1--A tD %%I C!1 h to .b W 00 Ln F" 0o a) N N N N N N N N N N N N N N N N IV N N N N N N N N N N N N IV N N N N N N N N IV N N N N N N N N N to w w w w w to w w w w w w w w w w w 0 w w w w w w w w w w w w w w w to w w w w to w w w w 0 to w w 1-A 1-A 1-& F--& 1--h 1" 1-, 1-A 1-A 1-, 1-A 1--& 1-, F-A 1-, 1--& 1-� 1-A 1-A 1--A 1--� 1-, 1--h 1--% 1-4 1-4 F-A F-A 1-4 1-& 1-A 1-A 1--% 1-, 1-& 1-A 1-, 1-, 1--A 1�-� � 1-, 1-� t-A 1-4 F" 1-A W to W W W W W W W W W W W W W W W W W W W W to to to to cn to to to to to to to -Ab 4�b 4:2b 4�b 4�ib 4�b -ph 4�b 4�h 4�b 4�h 4-"�b 4�b 4�b %*! �I �I �I �I 00 00 00 00 00 w 00 w w w w 00 00 w w w �J 00 00 w 00 00 w w w 00 W%j v v w 00 w w 00 w w �1 �! �I v v v v 1-A O O O O 1-A 1-A 1-A 1--A 1--L 1-A 1-A O O O O O O O O Q O O O O O O OF" 1-A 1-4 1-" O O O O o W to W 0 0 w W to N N 0 N 1-� 1-" 1-" 1-" 1-4 O O O W 00 to 4�b W W N N �I v v a) to Ln to W 1-, W N N4�h -Ab 4�b O O O O W W W 00 00 00 �t tD pb 0o to W 1-4 �! M to N1�-A W W to 1-, O W IV M W W N W N O 1-A M to O 1-A W 4�b W M W W4�b v-Ph N 1-, W �I N 1%I W O W N N N IV N N N N IV N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N tD lD lD t,D t,D CD t,D lD lD t,D t,D l0 t,D lD o lD t,D o t,D t,D t,D t,0 t,D lD � l0 o t,D l0 t,0 t,0 t,D � tp t,D l0 �D l0 �O lD lD t� o tp t� t,D C,D lD tD lD t,0 t,0 t,D t,D C,D lD 1-� I-� 1-,► 1-, 1-� 1� 1--� 1-� 1-� i--� O O t,D t,D t� lD t,D t,D t,D lD lD t0 t,D l0 o t,D C,D lD lD tD to lD lD lD lD �D CD l0 lD l0 �I �! v �I v v �I v v� v� v v v�j v v w v w �J �J v v� v� v v v v v v��J �J v v v v� v v� v v� v v v v 0) 0) O O v v v v v v v M M M 1" M to Ln to Ln to to to to to to to to 4:�h cw w w W w w W w w W W 1-b N N O O W �! W 00 W W 00 �I pb 1-, 1-, v M M N 00 N -Pb M M M M M-Pb .Pb 4�b Pb W W ,*4 4�b W W W N N N 1-& 1-A 1-A -Pb -Pb N N 1-A �I to W"4�b W M �I W M W 0 W �I -Pb 0 W W W.Pb W 1-A 0 W v M N W W to 04�b W� W M W W W 0 ko M W W Group 2 Tier 2 (cont) 2929-7764 2929-7795 2929-7803 2960-7552 2960-7553 2960-7556 2960-7572 2960-7575 2960-7580 2960-7587 2960-7593 2960-7599 2960-7601 2960-7604 2960-7606 2960-7608 2960-7612 2960-7615 2960-7616 2960-7620 2960-7623 2960-7624 2960-7626 2960-7627 2960-7630 2960-7633 2960-7634 2960-7636 3010-7170 3010-7171 3010-7783 3010-7851 3010-7870 3010-7873 3010-7874 3010-7877 3010-7889 3010-7918 3010-7929 3010-7962 3010-8039 3010-8042 3010-8058 3010-8062 3010-8066 3010-8069 3010-8070 3010-8077 3010-8079 3010-8081 3010-8084 3010-8085 3010-8093 3010-8101 3010-8104 3010-8106 3010-8111 3010-8115 3010-8119 3010-8128 3010-8129 3010-8130 3010-8133 3010-8136 3010-8141 3010-8150 3010-8161 3010-8165 3010-8167 3010-8177 3010-8178 3010-8855 3010-8904 3011-7058 3011-7070 3011-7081 3011-7095 3011-7128 3011-7133 3011-7135 3011-7771 3011-7778 3011-7782 3011-7786 3011-7790 3011-7792 3011-7805 3011-7808 3011-7809 3011-7810 3011-7812 3011-7816 3011-7817 3011-7818 3011-7820 3011-7825 3011-7830 3011-7832 3011-7836 3011-7837 3011-7839 3011-7842 3011-7894 3011-7903 3011-7904 3011-7910 3011-7912 3011-7913 3011-7921 3011-7925 3011-7927 3011-7941 3011-7973 3011-7976 3011-7979 3011-7980 3011-7985 3011-7987 3011-7988 3011-7989 3011-7990 3011-7998 3011-7999 3011-8002 3011-8005 3011-8009 3011-8012 3011-8014 3011-8015 3011-8019 3011-8024 3011-8026 3011-8029 3011-8032 3011-8034 3012-7146 3012-7169 3012-7175 3012-8053 3012-8164 3012-8191 3012-8196 3012-8198 3012-8201 Exhibit "F" 3012-8203 3012-8206 3012-8836 3019-8044 3020-7001 3020-7501 3020-7508 3020-7511 3020-7513 3020-7521 3020-7523 3020-7526 3020-7531 3020-7535 3020-7541 3020-7543 3020-7545 3020-7551 3020-7555 3020-7556 3020-7569 3020-7578 3020-7581 3020-7583 3020-7587 3020-7598 3020-7601 3020-7603 3020-7626 3020-7629 3020-8809 3021-7016 3021-7029 3021-7040 3021-7431 3021-7432 3021-7436 3021-7497 3021-7631 3021-7646 3021-7658 3021-7660 3021-7661 3021-7662 3021-7663 3021-7667 3021-7679 3021-7684 3021-7690 3021-7691 3021-7710 3021-7711 3021-7739 3021-7744 3021-7747 3021-7757 3022-8417 3022-8428 3023-7307 3023-8647 3023-8652 3023-8655 3023-8657 3023-8658 3023-8672 3023-8673 3023-8674 3023-8675 3023-8676 3023-8677 3023-8679 3023-8681 3023-8693 3023-8694 3023-8702 3030-7279 3030-8507 3030-8509 3030-8513 3030-8518 3030-8522 3030-8533 3030-8535 3030-8541 3030-8547 3030-8557 3030-8560 3030-8563 3030-8582 3031-7285 3031-8450 3031-8451 3031-8454 3031-8456 3031-8461 3031-8476 3031-8478 3031-8485 3031-8487 3031-8489 3031-8505 3031-8570 3031-8576 3031-8578 3031-8581 3039-8596 3039-8597 3039-8601 3039-8609 3039-8615 3039-8618 3039-8619 3039-8622 3039-8625 3039-8627 3039-8629 3039-8633 3039-8636 3039-8638 3039-8639 3039-8894 3040-7764 3040-7765 3040-8291 3040-8296 3040-8313 3040-8314 3040-8323 3040-8324 3040-8329 3040-8336 3040-8344 3040-8345 3040-8348 3040-8723 3040-8756 3041-7183 3041-7221 3041-8209 3041-8236 3041-8273 3041-8358 3041-8733 3049-7193 3049-7194 3049-7198 3049-7203 3049-7223 3049-7767 3049-8219 3049-8223 3049-8240 3049-8243 3049-8249 3049-8259 3049-8263 3049-8277 3049-8719 3049-8747 3049-8868 3049-8873 3049-8905 3070-7003 3070-7004 3070-7027 3070-7427 3070-7444 3070-7445 3070-7446 3070-7451 3070-7455 3070-7458 3070-7469 3070-7476 3070-7481 3070-7483 3070-7623 3070-7634 3070-7638 3070-7639 3070-7653 3070-7656 3070-7657 3070-7671 3070-7672 3070-7707 3070-7720 3070-7723 3070-7730 3070-7732 3070-7736 3070-7746 3070-7752 3070-7754 3070-8365 3070-8367 3070-8384 3070-8391 3070-8400 3070-8423 3070-8660 3070-8661 3070-8663 3070-8666 3070-8669 3070-8670 3070-8683 3070-8687 3070-8688 3070-8700 3070-8739 3070-8766 3110-7880 3110-7888 3110-7893 3110-7918 3110-7920 3110-7923 3110-7924 3110-7931 3110-7934 3110-7947 3110-7950 3110-7969 3110-7982 3110-7984 3110-7986 3110-7989 3110-7990 3110-8004 3110-8005 3110-8016 3110-8031 3110-8053 3110-8057 3110-9067 3110-9073 3111-7016 3111-7025 3111-7027 3111-7509 3111-7510 3111-7512 3111-7530 3111-7531 3111-7535 3111-7546 3111-7556 3111-7560 3111-7575 3111-7584 3111-7586 3111-7587 3111-7589 3111-7594 3111-7595 3111-7597 3111-7598 3111-9261 3111-9305 3113-7312 3113-7649 3113-7650 3113-7653 3113-7659 3113-7661 3113-7673 3113-7674 3113-7675 3113-7676 3113-7681 3113-7685 3113-7687 3113-7690 3113-7788 3113-7790 3113-7792 3113-7794 3113-7802 3113-7805 3113-8084 3113-8209 3113-8252 3113-8277 3113-8552 3113-8594 3113-8596 3113-8607 3113-8706 3113-8711 3113-8714 3113-8793 3113-8794 3113-8799 3113-8911 3113-8915 3113-8920 3113-9014 3113-9043 3113-9046 3119-7270 3119-7701 3119-7705 3119-7787 3119-7799 3119-7816 3119-7823 3119-7828 3119-7829 3119-7975 3119-7987 3119-8075 3119-8143 3119-8149 3119-8162 3119-8166 3119-8167 3119-8173 3119-8180 3119-8190 3119-8193 3119-8196 3119-8199 3119-8213 3119-8243 3119-8253 3119-8256 3119-8523 3119-8541 3119-8542 3119-8554 3119-8579 3119-8583 3119-8631 3119-8633 3119-8634 Group 2 Tier 2 (cont) 3119-8637 3119-8777 3119-8778 3119-8780 3119-8787 3119-8897 3119-8900 3119-8903 3119-8923 3119-8924 3119-8925 3119-8926 3119-8930 3119-8932 3119-8933 3119-8935 3119-8936 3119-8952 3119-8954 3119-8960 3119-8963 3119-8966 3119-8967 3119-8980 3119-8983 3119-8987 3119-8991 3119-8993 3119-8997 3119-9000 3119-9001 3119-9002 3119-9004 3119-9026 3119-9029 3119-9037 3119-9038 3119-9039 3119-9049 3119-9051 3119-9080 3119-9148 3119-9167 3119-9186 3119-9290 3120-8097 3120-8099 3120-8103 3120-8108 3120-8118 3120-8120 3122-7001 3122-7002 3122-7032 3122-7603 3122-7607 3122-7610 3122-7611 3122-7612 3122-7614 3122-7618 3122-7624 3122-7628 3122-7633 3122-7636 3122-7640 3122-7645 3122-7647 3122-9350 3123-7668 3123-8530 3123-8661 3130-8058 3130-8061 3130-8062 3130-8064 3130-8217 3130-8283 3130-8290 3130-8293 3130-8296 3130-8298 3130-8311 3130-8312 3130-8316 3130-8321 3130-8322 3130-8323 3130-8325 3130-8326 3130-8330 3130-8342 3130-8347 3130-8362 3130-8363 3130-8364 3130-8365 3130-8367 3130-8371 3130-8372 3130-8382 3130-8383 3130-8387 3130-8399 3130-8400 3130-8431 3130-8440 3130-8441 3130-8446 3130-8447 3130-8456 3130-8459 3130-8463 3130-8480 3130-8490 3130-8498 3130-8503 3130-8507 3130-8508 3130-8528 3130-8549 3130-8724 3130-8729 3130-9151 3130-9209 3130-9253 3131-7095 3131-7669 3131-7671 3131-7746 3131-7748 3131-7758 3131-7759 3131-7760 3131-7766 3131-7768 3131-7778 3131-7818 3131-8080 3131-8091 3131-8206 3131-8218 3131-8221 3131-8222 ExExhibit11F" 3131-8263 3131-8519 3131-8520 3131-8551 3131-8572 3131-8609 3131-8610 3131-8612 3131-8615 3131-8664 3131-8671 3131-8690 3131-8693 3131-8698 3131-8699 3131-8702 3131-8704 3131-8705 3131-8745 3131-8747 3131-8750 3131-8759 3131-8763 3131-8783 3131-8784 3131-8908 3131-8939 3131-8940 3131-8943 3131-8947 3131-8949 3131-8971 3131-8973 3131-8976 3131-8977 3131-9322 3140-7300 3140-8804 3140-8819 3140-8820 3140-8823 3140-8828 3140-8835 3140-8844 3140-8853 3140-8855 3140-8857 3140-8858 3140-8866 3140-8870 3140-8874 3140-8882 3140-9103 3140-9212 3140-9271 3149-7116 3149-7243 3149-7710 3149-7716 3149-7719 3149-7721 3149-7722 3149-7724 3149-7729 3149-7732 3149-7733 3149-7734 3149-7738 3149-7740 3149-7741 3149-7742 3149-7797 3149-7813 3149-7835 3149-7838 3149-7839 3149-7840 3149-7841 3149-7844 3149-7854 3149-7855 3149-7860 3149-7863 3149-7865 3149-8088 3149-8279 3149-8529 3149-8532 3149-8533 3149-8534 3149-8544 3149-8545 3149-8546 3149-8555 3149-8561 3149-8565 3149-8566 3149-8630 3149-8736 3149-8737 3149-8769 3149-8771 3149-8775 3149-8779 3149-8909 3163-8643 3163-8647 3163-8648 3163-8673 3163-8677 3163-8680 3163-8682 3163-8683 3163-8684 3163-8685 3210-7116 3210-7586 3210-7598 3210-7605 3210-7609 3210-7644 3210-7646 3210-7647 3210-7648 3210-7649 3210-8104 3211-7084 3211-7131 3211-7142 3211-7162 3211-7184 3211-7212 3211-7221 3211-7229 3211-7231 3211-7235 3211-7244 3211-7251 3211-7268 3211-7273 3211-7275 3211-7286 3211-7299 3211-7300 3211-7321 3211-7328 3211-7331 3211-7332 3211-7337 3211-7347 3211-7348 3211-7350 3211-7352 3211-7438 3211-7444 3211-7452 3211-7455 3211-7481 3211-7485 3211-7488 3211-7518 3211-7523 3211-7525 3211-7552 3211-7553 3211-7564 3211-7576 3211-7657 3211-7679 3211-7680 3211-7683 3211-7687 3211-7734 3211-7744 3211-7757 3211-7759 3211-7767 3211-7772 3211-7773 3211-7778 3211-7780 3211-7786 3211-7788 3211-7804 3211-7809 3211-7822 3211-7833 3211-7842 3211-7844 3211-7845 3211-7854 3211-8087 3211-8093 3211-8120 3211-8129 3211-8130 3212-8013 3212-8014 3212-8015 3212-8020 3212-8022 3212-8023 3212-8025 3212-8060 3213-7070 3213-7152 3213-7859 3213-7860 3213-7869 3213-7870 3213-7873 3213-7874 3213-7901 3213-7904 3213-7908 3213-7912 3213-7914 3213-7916 3213-7918 3213-7926 3213-7931 3213-7933 3213-7939 3213-7941 3213-7943 3213-7944 3213-7949 3213-7963 3213-7965 3213-7968 3213-7969 3213-7970 3213-7971 3213-7972 3213-7979 3213-7980 3213-7981 3213-7982 3213-7983 3213-7987 3213-7990 3213-7991 3213-7992 3213-7993 3213-7994 3213-7999 3213-8000 3213-8002 3213-8007 3213-8008 3213-8031 3213-8032 3220-7014 3220-7427 3220-7613 3220-7615 3220-7618 3220-7713 3220-7727 3220-7731 3220-7744 3220-7749 3220-7756 3220-7777 3220-7779 3220-7781 3220-7785 3220-7790 3220-7801 3220-7825 3220-7837 3220-7838 3220-7842 3220-7846 3220-7855 3220-7859 3220-7866 3220-7883 3220-7892 3220-7922 3220-7946 3220-7950 3220-7953 3220-8482 3221-7206 3221-7211 3221-7220 3221-7222 3221-7242 3221-7243 3221-7244 3221-7249 3221-7250 3221-7274 3221-7280 3221-7284 3221-7285 3221-7288 3221-7290 3221-7291 3221-7303 3221-7305 3221-7306 3221-7308 3221-7314 3221-7316 3221-7318 3221-7319 3221-7321 3221-7457 3221-7458 3221-7464 3221-7470 3221-7479 3221-7482 3221-7485 3221-7494 3221-7495 3221-7499 3221-7501 3221-8457 3221-8532 3222-7027 3222-7028 3222-7077 3222-7082 3222-7103 3222-7108 3222-7110 3222-7327 3222-7348 3222-7360 3222-7362 3222-7366 3222-7369 3222-7372 Group 2 Tier 2 (cont) 3222-7382 3222-7389 3222-7390 3222-7404 3222-7411 3222-7413 3222-7418 3222-7424 3222-7442 3222-7448 3222-7452 3222-7465 3222-7473 3222-7478 3222-7479 3222-7483 3222-7494 3222-7509 3222-7511 3222-7514 3222-7515 3222-7521 3222-7524 3222-7534 3222-7542 3222-7543 3222-7549 3222-7552 3222-7555 3222-7556 3222-7560 3222-7574 3222-7579 3222-7585 3222-7586 3222-7590 3222-7592 3222-7607 3222-7624 3222-7650 3222-7662 3222-7677 3222-7680 3222-7681 3222-7684 3222-7784 3222-7807 3222-7818 3222-7997 3222-8003 3222-8009 3222-8013 3222-8020 3222-8025 3222-8030 3222-8033 3222-8041 3222-8042 3222-8048 3222-8062 3222-8073 3222-8083 3222-8085 3222-8086 3222-8087 3222-8090 3222-8091 3222-8093 3222-8098 3222-8099 3222-8102 3222-8103 3222-8110 3222-8120 3222-8123 3222-8125 3222-8150 3222-8154 3222-8161 3222-8169 3222-8182 3222-8184 3222-8190 3222-8196 3222-8199 3222-8202 3222-8215 3222-8238 3222-8239 3222-8251 3222-8258 3222-8261 3222-8267 3222-8289 3222-8292 3222-8308 3222-8310 3222-8315 3222-8320 3222-8336 3222-8362 3222-8370 3222-8376 3222-8382 3222-8477 3222-8496 3222-8498 3222-8578 3222-8625 3222-8639 3222-8649 3222-8660 3222-8680 3222-8692 3224-8401 3224-8411 3224-8420 3224-8432 3224-8441 3224-8463 3230-7507 3230-7513 3230-7519 3230-7522 3230-7527 3230-7535 3230-7540 3230-7549 3230-7554 3230-7556 3230-7568 3230-7569 3230-7570 3230-7575 3230-7580 3230-7582 3230-7586 3230-7594 3230-7657 3231-7291 3231-7295 3231-7304 3231-7324 3231-7327 Exhibit I I F I f 3231-7353 3231-7383 3232-7407 3232-7416 3232-7418 3232-7420 3232-7427 3232-7430 3232-7435 3232-7437 3232-7439 3232-7443 3232-7446 3232-7452 3232-7458 3232-7460 3232-7467 3232-7473 3232-7476 3232-7478 3232-7484 3232-7488 3232-7632 3232-7636 3232-7640 3232-7648 3232-7658 3232-8394 3232-8415 3233-7107 3233-8026 3233-8078 3233-8083 3233-8335 3233-8337 3233-8339 3233-8340 3233-8353 3240-7737 3240-7818 3240-7829 3240-7836 3240-7841 3240-7847 3240-7852 3240-7858 3240-7864 3240-7872 3240-7873 3240-7877 3240-7889 3240-7893 3240-7894 3240-7899 3240-7900 3240-7906 3240-7911 3240-7913 3240-7916 3240-7922 3240-7929 3240-7934 3240-7935 3240-7937 3240-7939 3240-7947 3240-7953 3240-7955 3240-8400 3241-7254 3241-7255 3241-7256 3241-7257 3241-7258 3241-7263 3241-7269 3241-7270 3241-7277 3241-7279 3241-7285 3241-7286 3241-7300 3241-7308 3241-7309 3241-7312 3241-7315 3241-7342 3241-7344 3241-7347 3241-7348 3241-7358 3241-7362 3241-7363 3241-7364 3241-7365 3241-7369 3241-7370 3241-7371 3241-7373 3241-7381 3241-7393 3241-7394 3242-7403 3243-7680 3243-7681 3243-7695 3243-7701 3243-7702 3243-7706 3243-7713 3243-7718 3243-7720 3243-7728 3243-7732 3243-7733 3243-7744 3243-7751 3243-7755 3243-7759 3243-7762 3243-7770 3243-7776 3243-7781 3243-7784 3243-7791 3243-7792 3243-7799 3243-7803 3243-7970 3243-7975 3243-7976 3243-7978 3243-7979 3243-7982 3243-8384 3250-8130 3250-8140 3250-8147 3250-8150 3250-8166 3250-8170 3250-8182 3250-8196 3250-8206 3250-8226 3250-8442 3251-7062 3251-7082 3251-7112 3251-7114 3251-7991 3251-7994 3251-7995 3251-8014 3251-8015 3251-8020 3251-8022 3251-8040 3251-8042 3251-8045 3251-8050 3251-8054 3251-8055 3251-8059 3251-8061 3251-8063 3251-8087 3251-8100 3251-8106 3251-8109 3251-8115 3251-8234 3251-8235 3251-8244 3251-8256 3251-8260 3251-8262 3251-8264 3251-8267 3251-8268 3251-8270 3251-8272 3251-8284 3251-8315 3251-8316 3251-8322 3251-8323 3251-8325 3251-8329 3251-8365 8000-0005 8000-0006 8000-0010 Exhibit "F" .... .... ... Availability Schedule January= 16 Exhibit "F" J.P.Morgan Remote Deposit Capture Image Deposit Direct (IDD) Image Virtual Remit (VR) Availability Schedule Policy The funds availability of checks deposited is based on the financial institution where the check is drawn. The Federal Reserve banking system will not forward process any item over $99,999,999.99. J.P.Morgan may refuse to process such item or handle any such item as a collection item, with customer credit and availability deferred accordingly. Availability schedules may be changed without notification. Thrift and S&L routing transit numbers (RTs) receive the same availability as the corresponding RT range as listed in the schedule. Federal Reserve Bank and Federal Home Loan Bank RTs are assigned one day float. The information furnished herein by J.P.Morgan is CONFIDENTIAL and is distributed for the exclusive use in evaluating J.P.Morgan programs and shall not be duplicated, published, or disclosed in whole or part, to any other person or disclosed in whole or part, to any other person or entity other than the recipient, or used for other purposes, without the prior written permission of J.P.Morgan. J.P.Morgan Remote Deposit Capture - lmag JbftilihFfibl)) & Virtual Remit (VR) 301 Availability is shown in Current Day Cycle ! I Mom ON•� See "On -Us" Tab See "On -Us" Tab 0000-0020, 0119, 0800 0000-0050, 0051 0000-9000 All Others *Deadlines are Eastern Standard Time CONFIDENTIAL © 2016 J.P.Morgan, All rights reserved. Deadline* 10:00 P 0 1 7oi- 10:00 PM 1 1 10:00 PM 1 100% 10:00 PM 1 100% 10:00 PM 1 100% 10:00 PM 1 /2 95%/5% iExhibit it F it Nationwide On Us RTs, 0210-0002 0440-0003 0750-0001 1130-0767 0210-0012 0519-0036 0830-0013 1221-0002 0211-0036 0610-9238 1020-0101 1232-7197 0212-0233 0654-0013 1030-0064 1240-0154 0212-0271 0710-0001 1070-8955 2631-8986 0212-7272 0710-0077 1110-0061 2670-8413 0213-0046 0710-7452 1110-0115 3222-7162 0214-1063 0711-0026 1119-2186 3250-7076 0223-0017 0720-0032 1119-9377 0280-0012 0740-0001 1130-0060 Nationwide CD RTs, 0213-0937 0311-0026 0719-2322 1020-0097 0220-0084 0441-1544 0724-1292 1070-0109 0311-0023 0652-0475 0759-0272 1113-0088 CERTIFICATIE ]hJ#k,1,bi44tMV6 GANIZATION This certification is executed on behalf of the City of Round Rock (the "Investor") and JPMorgan Chase Bank, N.A. (the "Business Organization") pursuant to the Public Funds Investment Act, Chapter 2256 Texas Government Code (the "Act") in connection with investing transactions conducted between the Investor and the Business Organization. The undersigned Qualified Representative of the Business Organization hereby certifies on behalf of the Business Organization that: 1. 40 40 0 The undersigned is a Qualified Representative of the Business Organization offering to enter into an investment transaction with the Investor as such terms are used in the Act and 2. The Qualified Representative of the Business Organization has received and reviewed the Investment Policy furnished by the Investor dated January 14, 2016 and 3. The Qualified Representative of the Business Organization has implemented reasonable procedures and controls in an effort to preclude imprudent transactions conducted between the Business Organization and the Investor that are not authorized by the Investor's Investment Policy, except to the extent that this authorization is dependent on an analysis of the makeup of the Investor's entire investment portfolio or requires an interpretation of subjective investment standards. 4. Subject to the clarifications set'forth in the attached letter to Investor dated December 13, 2016, the Business Organization will rely upon instructions from only the persons designated as Investment Officers as stated in the Investor's Investment Policy approved by ordinance or resolution of the governing body. Signed this 13th day of December, 2016 JPMorgan Chase Bank, N.A. Name of Organization 221 W. 6th Street, 2nd Floor Address Austin TX 78701 City, State, Zip 512-479-2720 Telephone number kl� *Signature of Qualified Representative Larnell Camus Name (printed) Authorized Officer Title City of Round Rock Investment Policy January 14, 2016 *JPMorgan Chase Bank, N.A. signs this Certification subject to the clarifications set forth in the attached letter to City of Round Rock dated December 13, 2016. December 13, 2016 City of Round Rock Mr. Mike Schurwon, Purchaser 221 E. Main Street Round Rock, TX 78664 Exhibit "F" Re: Certification of City of Round Rock Investment Policy Dear Mr. Schurwon: JPMorgan Chase Bank, N.A. (the "Bank") has executed a "Certification by Business Organization" form provided by City of Round Rock (the "City"), in which the Bank confirms that it has reviewed the CITY's Investment Policy, as approved by the CITY's governing board and dated as of January 14, 2016, and has implemented " reasonable procedures and controls" to preclude investment transactions between it and the CITY that are not authorized by such Investment Policy. Such certification is made subject to the following clarifications: L The Bank is not acting in any municipal advisory capacity or investment advisory capacity in its relationship with the CITY; has not and will not provide any investment advice or investment recommendations; and has not been engaged by the CITY to provide such services. 2., The Bank has not been granted nor accepted any discretionary investment authority with respect to the investments of the CITY and, in connection with any investment transaction with the CITY, will only act upon instructions provided by the CITY; and the Bank has reviewed the Investment Policy for the purpose of coniumiing the authorized Investment Officers. I Consistent with the Texas Public Funds Investment Act, nothing in the certification provided by the Bank relieves the CITY of the responsibility for monitoring all investment transactions to determine that they are in compliance with the CITY's Investment Policy; and the CITY is responsible for making its own assessments as to the suitability and appropriateness of its investments. 4. When and if the Bank agrees to enter into an investment transaction with the CITY, the controls that the Bank has implemented in an effort to preclude investment transactions that are not authorized by the CITY's Investment Policy are based upon accepting investment instructions only from the CITY's Investment Officer, and the expectation that the CITY shall appoint as its Investment Officers for such purposes only those persons that are knowledgeable about the permissible investments and investment limitations under such Investment Policy. The Bank shall be entitled to rely upon certifications from the CITY's Investment Officers, or those persons designated as Authorized Persons on the CITY's accounts with the Bank as to the identity of such authorized persons. Thank you. Very truly yours, La ell Camus Authorized Officer Exhibit "F" G ........�....... ii:�} .. ... ...... _..: ..t...... n. .. .. ... { IN ----------- - ------- - CERTtFlCATE0F INTERESTEDPARTIESFORM 1Z95 1Of1 Complete -Nos. 1,w 4-.and- 6 ifthere are..- interested partJ6.-s,.OM.- OFFICE USEDNLY -10 a -,.an -6, e_.e no interestedpW- les ON OF FILING C t . No'& 1, 211.5 d arif ther CERT[FICATItoNit-me of .,busines entity 10ing. fa and sta. im countr the business, Certificate Numbero the. cftyt. d f -entity" �placeroof businesS.,20174W163223 JPMo 'a nChase Bank, N-,�krgs Columbu� OH, Un'ifted States Date. Filedi -02107/2017 i -pany-to, tne con it e' rm is two.- *qency'th�`ft__*ttrAct fdr iifi ,..h th fd.a' m-e.df 0overnmental ewdfty-obe]ng- ffled, City. of Round RockDate- AdknovWedded: 3 Provide'the identific ty n en.ti or at We a W�on number usedthe governme agency',to. track or identify the vontract, and Provit Y.description. of the services, goods, or -other pro . perty to,be provided under the, cantract, RFA Not 17w002 Bank Depository Se-wices 4 Nature ofInterest Name of 1htetes0d Pady City., State, .-Country (place of business) (check. applicable.) Con-trollin.. Intermedi Wy JPMorgan. Ch e & Co. New York, Untted'States, x S Check only .1fthere Is NO-Imerested Pa-rV...t. El 6 A IDAVffPerjUjy, Ismar; or affirm under- Penalty of the above. -disclosure. is true and correct.0 THAaV��YN _1A LVA.RAONotary- Pub,14.0�O • a": Nol.t.-try. 1.0445-10967 NZ My!signature -of Authon#zed Agent of contractng business entity AFFIX* NOTARY STAMP ABOVE .00ib Ce ASworn to and subscl ed: before me.,by the saidthis the day of*tn y- hand and seal of offl. Iceep20 1 YW- - e-SrS Mto terfity wh6ch, Pature of officer, adminislering oath Pfinted na. of'officer adniinisteringoath Title of officer ministening oath — - - --------- ------ ------ -- - - - - - - - ---------- -------------- - ---- ---- -- WWW.L . 1-Urms proviaea. oy i e�castmicsc;ommission ,etnus Version V2.0.277 CERTIFICATE OF INTERESTED PARTIES FORM 1295 10fl Complete Nos. 1- 4 and 6 if there are interested parties. OFFICE USE ONLY Complete Nos,, 1, 2, 3, 5, and 6 if there are no interested parties. CERTIFICATION OF FILING 1 Name of business entity filing form, and the city, state and country of the business entity's place Certificate Number: of business. 2017-163223 JPMorgan Chase Bank, N.A. Columbus, OH United States Date Filed: 2 Name of governmental entity or state agency that is a party to the contract for which the- form is 02/07/2017 being filed. G City of Round Rock Date Acknowledged: 03/02/2017 3 Provide the identification number used by the governmental entity or state agency to track or identify the contract, and provide a description of the services, goods, or other property to be provided under the contract. RFA No. 17-002 Bank Depository Services 4 Name of Interested Party City, State, Country (place of business) Nature of interest (check applicable) Controlling Intermediary JPMorgan Chase & Co. New York, NY United States X 5 Check only if there is NO Interested Party. 6 AFFIDAVIT I swear, or affirm, under penalty of perjury, that the above disclosure is true and correct. Signature of authorized agent of contracting business entity AFFIX NOTARY STAMP SEAL ABOVE Sworn to and subscribed before me, by the said ,this the day of 20 , to certify which, witness my hand and seal of office. Signature of officer administering oath Printed name of officer administering oath Title of officer administering oath Forms provided by Texas Ethics Commission www,eth ics,. state Ax. us version vl.u.z it