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R-2017-4359 - 4/27/2017
RESOLUTION NO. R-2017-4359 WHEREAS, Chapter 2, Article V. Finance, Section 2-323(g), Code of Ordinances, City of Round Rock, Texas, provides that the City Council shall select a City Depository for the custody of City funds; and WHEREAS, the City has requested applications from banking firms authorized to submit such applications in accordance with Section 105.011 of the Texas Local Government Code; and WHEREAS, in accordance with Section 105.014 of the Texas Local Government Code the City, in reviewing the applications, has considered the terms and conditions for the performance of depository services, including the type and cost of services to be provided to the municipality, consistent with any policy guidelines adopted by the City regarding the selection of one or more depositories; and WHEREAS, JPMorgan Chase Bank, N.A. has submitted the most favorable application; and WHEREAS, the City Council desires to accept the application of JPMorgan Chase Bank,N.A. and to enter into a Depository and Banking Services Contract; and WHEREAS, Section 105.015(a) of the Texas Local Government Code empowers the City Council to authorize a designated officer to execute on the municipality's behalf one or more depository services contracts; and WHEREAS, Section 105.016(a) of the Texas Local Government Code requires the City Council to designate the financial institution to serve as a depository for the municipality's funds,Now Therefore BE IT RESOLVED BY THE COUNCIL OF THE CITY OF ROUND ROCK, TEXAS: C:\Users\swhite\AppData\Roaming\LS\Temp\a186ad84-9350-45d3-6191-64acfd30b63a.DOC I. That the City Manager and/or the Director of Finance shall be, either jointly or individually, the designated officer(s) to serve as the primary liaison between the City and JPMorgan Chase Bank, N.A., and the designated officer(s) may exercise the powers and duties as authorized by applicable law. II. That the application of JPMorgan Chase Bank, N.A. is hereby accepted and said institution is hereby selected as the official depository of the City of Round Rock, Texas, for the period beginning June 1, 2017 through May 31, 2022; and the Mayor is hereby authorized and directed to execute on behalf of the City, subject to approval of documents by the City Manager and City Attorney, a Depository and Banking Services Contract, and other necessary and related documents, with JPMorgan Chase Bank,N.A. The City Council hereby finds and declares that written notice of the date, hour, place and subject of the meeting at which this Resolution was adopted was posted and that such meeting was open to the public as required by law at all times during which this Resolution and the subject matter hereof were discussed, considered and formally acted upon, all as required by the Open Meetings Act, Chapter 551, Texas Government Code, as amended. RESOLVED this 27th day of April, 2017. 0/1/4. — ALAN McGRAW, Mayor City of Round Rock, Texas FOR CITY, ATTEST: W—ft/L- VS6(j4 Sara L. White, City Clerk FOR C TY, APPRO ED AS TO FORM: 4rge2, W' 'Of\ Stepha . Sheets, City Attorney 2 EXH� ,^',,,, , ^^"^~ THE STATE OF TEXAS ' ` CITY OF ROUND ROCK ` KNOW L RIV THESE PR* ELJENTLJP, � COUNTY OF WILLIAMSON . COUNTY OF TRA"S DEPOSITORY AND BANKING SERVICES CONTRACT This AND BANKING SERVICES CONTRACT,hereinafter referred to as � P ry is ''```-'.`'`......`''.^'.`,.�.-..^�'..'`.....--k,.,-... a ho, e1wrule uni*cipati*ty situated I*n W1*11ia son County, Texas, hereinafter referred to as '. ' and JPMorgan Chase Bank N.A. a national banking association, organized under the laws of the Unl*ted States and authon*zed by law to do banking business in Texas and now conduc busi*ness 'in said state,herel*nafter referred to as"Bank." ` VMERF,AS,Cl*ty/Depositor`'°`^`'in``,`7/''r^'_.^,`.''`.^^~s and to provide forthose funds the highest level ^^ny..`. li '` retu''' .,' ^' whl*le ing sul"table banking servi*ces at a reasonable char9 elm and WMREAS'B``k'-`''`'�'' �''`'`-`'`'e'`....r....` ...`.n.sit''`�o. City/Depositor.`+'�'..'p..`--.-.''.'' satisfactory`, Depositor; NOW, THEREFORE, i"n consi'derati*on of the utual agreements and covenants contained herein,City/Depo'si*tor and Bank ajaree as follows. BANKING AND DEPOSITORY S ^ Bank a... ees to receive and safely keep any and all public funds off-ered for deposi*t by City/Depositor and-.```'., `.'`;.`` City/Depositor,`p � I s is or whoever may be lawfully enti"tled to recet*ve same upon request,, Bank agrees to perfo,' 00373154f**ss2 banking and of the types and for the charges as in E bl* '/. "Pledge and to Collaterali*ze Publi*c Fund Deposi*tsa" Exhibit ^."'Consoll*dated ' Service Te s and Global Account Exhibit "C" "Federal Reserve Bank Joint Custody Service via FedMai E,1111irhibit 1). P1 In It F0 Exhibl"t.,,....'``.--...'- `.. `�. and '.i ',"` No,, ./...,^ (the ^''``' and E�hb' ' '`' 'ipmorgan Chase Bank ' t' C``'` ''A dated December 19- 201631 all of which are attached hereto and herei*n by reference. Should there be any confll*c between the te s of thi's contract and any of the tel-111s of the document conta ed i*n any exhl'bl* attached hereto, the te s of any ad i*nistrah*ve rules of Bank or other agree ent between C `.` -a''' ..` /``'-, `f t.\ ..../-'. ,..( .. fmal and bi*ndl*ng. T E R--M--RENEWAL,AND TERMINATION City/De action,..» body,hereby B����� ank'. a `or..^.,z..beginning June Is 2017 and cont ing through May 3 11 202., and thi" contract,�'."..\...,.e..ettect''flor``'^�.p`',,`,,ye`.' However,this 0 contract'''/`'`.t/,d,``.`..`.-1.-�'`.�~_'.f Ci*ty/Depos"torBank, .`remain.`_'...:- and effect for a pen*od not to exceed any pen*od allowed by Ci* Such pen*o I shall be utually agreed to i"n by the 1 arties I o this contract,, Either Cit e ositor or Bank shall have the n*ght to tv.U.1.6ni'nate this contract prior to the expiration date by advance WTiften notice to the other of 1*ts elec be void m and after the expLratioon of ' ety'''`days after the,,ce...cf such nofi*ce,,provl*ded that al rovisions of thi's agree ent have been fulfilled, DESIGNATION OF TRUSTEE Cl*ty/Deposl*tor and Bank,by execution of this contract, hereby the Federal Reserve Bank, herei*neer referred to as to hold in trust to the te s and conditi*ons of thl*s Depository and Services Contract and the attached "Pledge' and Security A ee ent to Collateralize Public Funds"the collateral and substitute c 11 .'.'n.,_under said aizreements. IV DES-IGNATED--OFFICER(Q During the te.. .- l�, contract ,'.. action ofli `` goveming body, designate the officer or officers who singly or jo tl . wi'll be authorized to represent and act on behalf of C i `` -. .' m'`` ~.xry,.. ``., _'_ this p.d^.'`^,...'z..^deli*ver ` Joi*nt..`..�'`.. ...,`,'.�_`.. .'`''^',*^v.`. viaFedMai*lful. RequestFo and seta*up fio S electronic funds transfers and other treasury anagement services,and such other documents as agreed to by the C ..r... may request withdrawals orders for a^c�t or transfers on e.l! _` � Deposito in accordance `, the electronic fund or funds transfer agree.ent and J de dia, .. ,n ,ake w*thdrawals or transfers by written instru ent, The City Manager and/or the Chief Financial Officer shall be, el*ther jointly or i^ndividually, the desi*gnated officer to serve as the 11*aison between Cl'ty/lDepositor and Bank and a:s t1,111' desi*gnated officer, ay exercise the powers and duties as authorized by applicable law. V COMPENSATION Bank will be compensated ffor any and all servi*ces rendered to under thi ConEraCt. Bankflee or (b) to ottset onthly servi*cefees against op do its customa ea 'tongs credit for balances `. Cl*ty/Deposi*tor's nonmointerest transaction accounts* that 1`f`��., is insufficl*ent cred. against'`..' " '. `,, may be offset, wi'll be charged for such servi*ces monthly. Fees set by Bank ^` Banks Response shall be applicable '' ' COLLATERAL SECURITY All funds on deposl*t with Bank to the credl*t of C provided for in the Public Fund Collateral Act of 1989 2257 of the Tex Governmen Code, as and further described by the City's `'A- The total market value of the collateral(whi"ch`,''`s accrued interest or inco e to the extent it is not included in the arket price) sec such deposits w1*11 be in an amount at least 102% of the amount of suc deposi*ts plus the a ount of any accrue 'interest thereon and.-.the,.-- that such depo by,`'``.'''',``n'.._^i__'S`,,.,.','. _...,,..`rm..``. of"'^'`'. ,. ,., .^.,... .` .,'/"' ^...`��.i. ''`^ '``' ..'... '`. '..`''/ ,.``,' ..1.e.'. value, within .')zr. ti*''^e,. the chan_ occurs. `-� -'_�'�-. .r. reillizipnx.' y securities (co as of y date and priced agent, Vil COLLATERAL TO TRUSTEE Bank has heretofore or wil hereafter deli*ver to Trustee collateral of the nd and chamcter above mentioned of su cient a ount and market valu to 1021Yr ,..`__^. for the funds of WI*th Bank. Said c liat ral o `,b....'. as herel*nafter provided flor, ..,. ,' ',,`. ....^^`.`.''-''�.. i...u. ,. '`'' `. `'" 1 0 relationship between and Buflk shall exi*st hereunder and thereafter D 1 9 S eposits ade b,,(Ci with Bank hereunder or any shall hiI, (e i ot been prope y.`...-^`..`..^^ or.``'o'.`` Vill CURE OF FAILURE OR BREACH AND SURRENDER OF C Should Bank fail at any tl*me to pay and satisfy, when due, a.. check, draft, or voucher lawfully drawn any deposit and the interest on such deposits or in any manner breach its contract--City/E)epositor,.`City/Depositor`` '''�'^`,-such failure r breach to Bank, and Bank shall have ten (10) busi*ness day to cure such failure or brea h. In the event Bank shall fail to cure such fal*lure or breach withl*n ten (10) busineocoa days or should Bank be declared insolvent by a Federal bank re4Pu,..,,..1atory aizency, it shall be the duty of Trustee, upon de and of Ci*ty/Depositor (supported by proper evidence of any of the above-mll*sted circu stances),to surrender the abovelmdescri'bed collateral to C City/Depositor a Se-1-1- all or Y part of such collateral. Out of the proceeds thereof, City a deduct its actual d OMV"S"LM-1ges and`'''~^'-/'`'`'`''..`'s.,_�.f',B`k'.,�. . to Bank,its receiver or conservator the re ainder, if any,of such sale proceeds. 5 Ix NOTICE OF SALE OF COLLATERAL Any sale of such collateral, or any part thereof, made by hereunder ay be either _.`ublicPn"vate ``. `- p provided however itshall Trusteet three'``''''/-'```''' '``',`'t'`''m^'''-'c`''''^''.'..:shall t., .._..,�_','.sale shall'''` ^h` bidder ^h''`'' `o''-'`' and Bank shall have the n*ght to bid such sale. SUBSTITUTION OF SECURIT S 46 If Bank shall desire to sell or otherwi*se dispose of any one or ore of said securiti*es, so is 0 0 # deposited with Trustee,it may substitute for any one or ore of such securities wl*th other securl*ties of the sa e arket value and `''h. character authorized herein. Such n*ght of substitution shall re ain in full force`.`'.'-.. .`,``.`'.'.B^.... .ft,,'` it`^a/`e.... provided, however, that the aggregate arket valu of all collatera pledged hereunder, shall be at least equal to the amount ~'`'''' '''he''`` Collateral ay be substl*tuted or released only with the ..�.`', `.. ' invest'written '^ "".'. If at any ti e the aggr gate marke value of such collateral so with..ste'.. .. tha"..r, ^. -'C.y,/.ep.s`.'_ �_ds ^ deposi*t with said Bank then Bank shall pro Ptly 0 is ` necessary to r,^.` `.`, value of such collateral to equal the total a ount of re.a.,ul'red collateml.Bank shall be entitled to income on securities h Id by Trustee,and Trustee a di*spose of such income as di*rected by Bank wi'thout approval of C 6 XI MONTHLY COLLATERAL REPORT B.'`.`.. to a onthly collateml report,which currently lists the pledged secunty(description,maturity and rate) ongmal par,current par and arket value Xii REDELIWRY OF COLLATERAL If at any ft e the collateral in the hands of Trustee shall have a market value in excess of the Su of balance.S.4 du by B I C ty/1''Depositor shall authonze the wn't dra al olf. speci fi'. ``.`.' ofTrustee `_`, deliver thi'scollateral`'�`.,` '' .'.- `. '.o~/ .' Bank, taking its receipt therefor, and Trustee shall have no fialher liability for collateral so redelivered to Bank. CLO_SE�OUT When the of and Bank shall have ceased to exi"st between City/Depost"tor and Bank, and when Bank sha. `'�` '. out all of , . �..l `` ..' �^-' -- to give' Trustee certillfillicate to that elf fect Whereu on P Trustee``^ll, with ' '.. ' redeliver to Bill, ank all collateral then in its possession to.''k�'^''"'.,.ec, therefor.An mo.r der in wrifing to said Trustee by Ciand a receipt for such collateral by Bank shall be a full and final release of Trustee of all duties andobli*gations.....``^e-"``.y`.,`,..``,.a presents., 7 XIV INVESTMENT POLICY t is the ..,.`''"..,.` ..i�. �'.'�` �'.� 0 s.all retain full rights to invest its 0 funds wl'th the Ci*t of Round Rock Co rehensi*ve vestment Poli*c s ado ted by th Cit y P y P e iy Counc1*1 of the CI*ty of Round Rock,Tex and consistent with other an I" eI'.`,,p icabl ' XV NEW SERVICES Ci*ty/Depositor a, `el with B n] as dee ed necessary by C 4 0 ity/Depositor. The 'interest rate to be earned as well as the other te s and condi*ti*ons regardi"ng the service, w1*11 be mutually agreed upon by and Bank. Any such new service a eement will be executed i*n as an addendum to this contract. Xvi SEVERABILITY If any te or provision of this contract is held to be illegal or i*nvali*d, such illegali* or invalidity .'` r. .'.^ ., ..i.` �``, of._ /��.�, ,^,' �`.`,`�,._., shall-''..'.. ..s c,''�`- ^-``,-'`'.-`'^.`-..,.l'',\`-- ~''''~''^''�`'^ It''c�7`'``' '' ``�` '''''''that they would have executed the re aining portion of this contract without including any such te provision, part, P.,. _~`/._,..,.`. ..`,,.�``'_'.``.,),r....' n ''' Xvil INDEMNIFICATION Bank agrees that 'it will use an care 119 standard of care imposed upon banks under t h e U� '.`- Col''.^... `..,. '.' all . . ... . .' ' .. '^.� `"- .''.'-_,.. under thl* contract. Bank shall be liable to only for actual damages incurred as a dl*rect result of Ba 's failur to exerci*se ordinary care under thi contract. In no event will Bank be 11*able for any i zect,i consel,11111111luential or punitive loss. damage cost or e pen,,,,,,S&e of any ature (even '` `'`is'' of the poss1*b1*1ity of such loss, da age, cost or WI*thout 11*mi'tati*on,any wr.... ,1....,damage,'�.^'''''`''�'.`business,. rofits` -`'e'.'-'goodwill low, andsavm* gs, loss of or corruption toCi*ty-/D' epositor's data, loss of operation ti e or loss of contracts. to the contrary in `h. contract, Bank's 0 0 inde nificati*on obl shall not exceed an a ount i*n the ae.. egate ove the te of the contract,an a ount that exceeds one I ti es the averaize ann . the City/Depositor under the contract. Bank will not be responsl*ble for the acts or oml'ssions of Cl"ty/Deposl*tor or its officers, e ployees or agents(includl*ng but not 111,4141ited to the a ount,accuracy,tl* eliness or authon'zation of any'instructions or M* fo ation from Ci orenti*ty includi* but not limited to any clearinghouse association or processor,any U.S.Fedeml Reserve'�```7''~''`y'' '`��'�`.'y other^..r./ `.,._.',,...`' '' ' '!�' -` ^'.will and no .x,/z,`,.` [B'c^s agent. Ba. x.. _. ,. .�,`. .. u.. /. ` _,.... .,_ c> ^'', `: t.,' � 0 n . Bank"s obli"gations under /. contract . `.. failure or /.. .s caused `force majeutte ' circumstances beyond control, i*ncluding natural disasters such as earthquakes or floods, e ergency conditions such as war,riot,fire,theft or labor d1*Spute,legal constraint or gove ental 0 4 0 9 9 action or or act,o ission, neg ligence or fault. Bank wil ','b. ,`''. for any failure to act on Bank's part I*f Bank's representatives had a reasonable.'.` .-.^..'x...^i....v.,,'..'.`. '.�_,, `/.�..''`,/..'.e.,.y..,_'., or regulati*on., C 9 t e I.Y/D.-Positor inde-`'fii``''`''`-'B''^ and agrees to defend,fro and against any and all costs, expenses and damages of`.'..,.v out of or relating to disputes or lega actions by parties other than Bank and this contTact, The obli contai*ned herein shall survive the te i*nati*on of thi's contract., No berei*n shall apply to any costs or da ages attributable to Bank's gross negligence or intentional i*sconduct. XVIII ' NON�WAIVER Failure'/'�','y hereto''"'`^'``''' ance_.any.`t' '_`,`,. or to exerci*se any n"ght or remedies hereunder upon default or failure of Perfo ance shall not be consi*dered a waiver of the ri"ght to insi*st on and to enforce by any appropriate remedy strict co pliance with any other obligation hereunder or to exercise any n*ght or...re edy accrut*ng as a result of any future defaul or fal"lure of perfo anee. XiX C, ONFIDENTIALITY. All d.`^`^ Ci*ty/Depository's�^.`. business .'^''' Bank o`'`..,.'-```o.'will.. treated confidenti'ally and .. eguarded '` -^..' .' t � .'.^ `''` `.� discretion ''.� ' .-'' with.``°B~..`.,r.^'*.'`'.'.'.B-..''o. l.`'..,>..`�''` 10 0 of whi*le /u'h'u..' ^..-''..).-. are .` 'e of or under the control of Bank XX CAPTIONS The of thi* contmct are for i*nfo ation purposes only and shall not 'in any way affect the substantt*ve te s and conditions of thl*s contract XXI RESERVATION Pursuant to Chapter 105 of the Texas Local Gove ent Code reserves the nght to contract wl*th other for the or m` ves",`.. .'' portion of available publi*c funds of Ci*ty. XXII NON�ASSIGNMENT Thi*s contractshall ..`,'``,'..:' upon the parties and thei* successors andassipees; .\.. .., '',`�_` `�`/ t��j ` be Wilithout the wn"11111"Itten conse of b th parti*es, 6 a Notwithstanding anything to'`'c'-t '�'�'`'`'�''�'''/��^`m ' its� �,, _`,duties` under.-.``....`-..t.-*`'.'`,.',.`^t.'Ci"ty/Deposi"ton p.o...'',however,that Bank may assign '.` '^'^`` ,�''. .' ' . ``tt , '`'.^zat.- 'C'/D.'`'` ` . ....`. `, interest'`'`,''`'^',^.er,reorgani"zati*on, a...li'..^.';.n_i't._'.'~�.`_+ busi'ness to which thi*s contract relates a d y assign thi"s contract to an aualiaat o bub idiary., 11 ZI SUXOJL,^ 0114S�_'`�`/'' aqj._''~O.s...,.9.` 1321JU03 slip joi U1 111128eqs luol2draoo_.,`�``,_..`, �``.. uosuni .'... AjaATsn1oxo`-l`.-,``^"..`-`,�''`^..�..."'..`-...,`�.'`'81 0 ``�..`.�'`�,'``'`'��'.`.'. Auejo uoijotpsunf pule 2nU0A'2P03 JU2 UUOAOI)IU301SBXQLOqljOgol 0 arW3A AIXX .`..`.^ siqlutpaqp3sopsaoitaosaqljo ;a:aug ojpadui )luegololqe:)ilddv ,2.ielvqlsmu ,`. `' ��s ^..``p2a Ille qj!m Xid oo ol sooj2u )[wou `.,..` Ajvjjuo3 aqj ol gmqlAur Butnuels 41mlom 0 or-- q 0 .'''''``` ''``s:^ 100*LgZZ '"'' '''`'`9''-''I,AOD 'pXgJL '`'' jejolvIloo spunj '.qn' '> ,' su ''''s jo 100 99zz '' ^"`�'' ''' ''''' 'c se ''`' ,/ ...�'^ '.z 0.,� .__. ./.` '._. '`'--`-'^`''| |'^''`'`'''-'''``^'`'''`-'.. '``u.,`''' .`.' A dxuoi Xjjnj ''`'`,'E '^.^c''`' '`'-�~''-`''-��.`''^`^� �^''`''' IBUOTITUTISUOO 2jqvmjddu.� "m�..`'.^,�'/^,*,..^��c.�`'''''' PUU Aq p.1 .1A02 Oq 119qS U10.12' ''``'d''o'''^ suoi aui ,. ... nuv �ovi^`.` ^... SAkVI 01 a . .`.``..````^.`.`.'`�...'..`^.^.``.`ba.'.`-''i``. 131RIJU03 ST1qj 01RUI 04 ` .-U 2qj *Aizq jjvqs iojisodo(j/4!3 .. '^`';` oqj jo uotjn32x2 Oql JO SS (of) AU!qi uiqvm -iojTsodiCVKji3 XJTIOU 112,qs )IuREI '....`_,.,, Ug 0 jU2Aa 2-U41r U . XXV RELATIONS,HIP OF PARTIES Nothing contained m this contract shall be dee ed or construed by the parti*es hereto or any`. other'-`.|'r'/...'e`e `h. of prmcipal -,.a,~.`partnership,jol*nt ventur, or of any other association whatsoever between the parties, it being expressly understood and agreed that no provision contam" ed'in this contract nor any act or act of e �-. .'. ^.c.~`.'`.. be deem d Ir to create any relationship between the parties other than the of C ty nqndDepository Bank as those te s are understood herei"n., Executed in ultiple originals on this the,-�/�' day .' the -.�'th -' //.`' 2017 by the undersl*gl-led duly authorized officers of the parties hereto. FOR DEPOSITORY BANK .I.. A Printed Na e,6 qav-ww� Tl*tlee. . , , . _` ��._�� ,. , . Date S`^^''' (Aio,' \ ��'.'.. ^' 4 FOR DEPOSITOR. By* -- _-' Prmted Name* Ti*tle: Date Si"gned.: FOR CITY ATTEST, Sara L. White,Cl*ty Clerk FOR CITY AS TO FORM. ' Stephan L. Sheets,City Attomey 13 Exhibit "A" PLEDGE AND SECURITY AGREEMENT TO V1.0_12_14_15 COLLATERALIZE PUBLIC FUND DEPOSITS THIS PLEDGE AND SECURITY AGREEMENT ("Agreement") is entered into as of 20 by and between (the "Customer"),and JPMorgan Chase Bank,N.A.(the"Bank"). RECITALS 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 famish 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. f) The Bank shall famish 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. f) 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 "A" 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:OHI-0138 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. f) 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 Exhibit "B" Document Checklist I VMORGAN CHASE BANK,N.A. 07 February 2017 CITY OF ROUND ROCK 221 E MAIN ST ROUND ROCK, TX 786645271 USA 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.Arreolajpmorgan.com Document Name ID Instructions ZI Consolidated Service Terms for 1 For reference only Commercial Bank and Dealer Commercial Services Z Global Account Terms 2 For reference only ►�� Global Account Terms-US 3 For reference only Addendum PN:1329506 Page 1 of 40 Exhibit "B" V4.4101316 I al Ai I Ai JP. Morgan Chase provides an array of treasury services to meet your business needs. This booklet contains important information about J.P. Morgan Chase solutions that we provide. If you would like to add a service that is covered in this booklet, please contact your Commercial Banking Representative TREASURY SERVICES (United States) Commercial Bank Page 2 of 40 PN: 1329506 DOC ID:1 Exhibit "B" Welcome to JPMorgan Chase Bank, National Association ("J.P. Morgan", "Chase", or "Bank"). We are pleased that you have decided to maintain a banking relationship with us. This Consolidated Service Terms booklet ("Booklet") contains the terms and conditions for certain cash management services ("Service Terms") J.P. Morgan may provide to you. By executing the Account Terms Acceptance Letter, Certificate Regarding Accounts, Business Signature Card, service implementation form or similar document, or by using or continuing to use any of the services referenced herein after receipt of this Booklet, you agree that the Service Terms included in this Booklet, in addition to the Account Terms and such supplements, amendments, notices and additional service terms provided to you from time to time will govern your existing and future deposit accounts maintained with us, in addition to those services that the Bank provides to you, as applicable. 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 modifications to this Booklet, including but not limited to any changes, amendments, deletions, and/or additions, will not be binding upon the Bank unless such modifications are acknowledged and agreed to it writing by an officer of JPMorgan Chase. We look forward to serving your business needs and thank you again for choosing Chase. SERVICES FOR COMMERCIAL BANKING CUSTOMERS A. ACH Origination B. ACH Debit Block and Transaction Review C. Lockbox D. Coin & Currency E. Positive Pay, Reverse Positive Pay& Payee Verification F. Controlled Disbursement G. Image Cash Letter H. Image Deposit Direct I. Check Print J. ACH Tax Payment Service Terms K. Client Access PN: 1329506 DOC ID:1 Page 3 of 40 i!Iiii 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. Capitalised terms in the Service Terms,unless otherwise defined herein,shall have the meanings set forth in the Account Terms Service Terms- Consolidated Service Terms Booklet 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. 1. Service. Bank provides automated Bearing 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 famish 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 those 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 i Exhibit "B" • 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 terms 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 i 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'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 Block: (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 ID 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 i 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 Office 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 "USPS") 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 USPS. 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 i Exhibit "B" 2. Deposit; 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 be subject 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" J11kiI 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 Form. 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 a touch-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 If Exhibit "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 determination 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 i 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 Information. 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 information 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 Information 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 i Exhibit "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 Disbursement Account"),except as set forth herein, shall be opened and maintained in accordance with the Account Documentation. Customer agrees that if it fails 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 attorney'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 i 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 formatting(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 terms 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" !il;iiplq4, 111 Hon7.1. 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; (ii)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 Schedule/Volume/Termination 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 terminated 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 termination date. 10. Audit. Customer authorizes the Bank to audit its facilities where the Checks are imaged,stored and destroyed as well as where the Transmissions are processed under this Service upon reasonable prior written notice from the Bank. 11. 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 1 4 of 40 i 1 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 information 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. Service Terms. JPMorgan Chase Bank, N.A.("Bank")will provide Customer the 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" _!Iiiiii1;11111111111111111 (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. 4. 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; (f) 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 intemet 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,a non-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 i Exhibit "B" (b) Title. Except for 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. iii) 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 Bank's) 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 a non-infringing alternative, modify the Products so that they become non-infringing or terminate the license. (f) 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 "B" %our (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, 10,11 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 of 40 iExhibit "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 information 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 Information 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 Terms. 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 i 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 intemet 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 intemet, and the Customer assumes all such risks. The Customer shall make an independent assessment of the adequacy of the intemet 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 attorney'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 term 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 i i 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 1. 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 2.1. 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 i Exhibit "B" ludair 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. 3. 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 risks. 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. 4. 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 periodically updated and adjusted. The Bank is not obligated to assure the accuracy of Data and will not be liable for any loss or damage arising 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). 5. 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 information;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. 6. 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 i Exhibit "B" 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"). 7.1. 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. Host-to-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". 8.1. 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 II iiiiliU Exhibit !'B" III i • 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 Page 24 of 40 ii I !ipiciiilitil Exhibit "B" i Jurisdiction Specific Provisions Exhibit A. Australia & 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 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." D. Malaysia/Labuan-. (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 http://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 i 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 a non-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 http://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's internal administrative purposes,for contacting the Customer about products and services which the Bank or other members of the Bank'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. ©2011 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 i Exhibit "B" ACCOUNT TERMS vi.4.202_24_15 INTRODUCTION 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. 1.1 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. 1.4 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 form 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 advises) 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 i 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 temps of the Instruction shall prevail. Subject to Section 2.1(Security Procedure for Verbal or Written Instructions),the Bank may,at its option,confirm 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. 3.1 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. 4.1 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. 4.4 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 i Exhibit "B" 5. Funds Transfer Instructions. 5.1 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. 5.2 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 intermediary 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. 5.4 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 a Non-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 a Non-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 determines 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. Interest; Fees;Taxes. 6.1 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 i Exhibit "B" (ii) pay the amount of the Deduction as required by applicable law; (iii) 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 intemet 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. 8.1 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 to continue 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. 9. 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 I I! I I 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, harmless 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 i Exhibit "B" to by the 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 cashiers check,sending it to the address of the Customer provided to the Bank. 15. Account Disclosures. 15.1 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 Venus. 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. 17.1 Languages. If the Account Terms,Account Documentation or Service Terms are translated into,or appear in a language other than English, the English language version shall control. 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 term"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 i 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 Compliancy;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 Terms, 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 property rights in or relating to a Service, including any trademarks, service marks, logos, and trade names used in conjunction with a Service are the property of the Bank or its licensors and are protected by applicable copyright, patent, trademark and other intellectual property law. Except as provided herein,the Customer shall not reproduce,transmit,sell, display,distribute, establish any hyperlink to,provide access to,modify,or commercially exploit in whole or in part any part of a Service,without the prior written consent of the Bank. 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 close any Account or discontinue providing any Service without further notice. PN: 1329506 DOC ID:2 Page 33 of 40 I Exhibit "B" viiiNiiiii 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 GLOBAL ACCOUNT TER S I United States of America 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 Exhibit "B" 11111111 :1111111111 3.12 Night Depository Deposits.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 term 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 Sianatures. 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 losses 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 StoD 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 confirmed 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" lilif11111111111111111111 representative,a non-renewable stop payment,which will be effective for a 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 a stop 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 daimed loss and the PN: 1329506 DOC ID:3 Page 37 of 40 ;1 Exhibit "B" 11111 1IiI 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 TvDes. 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 a non-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 a non-interest bearing demand deposit sub-account and a non-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 Terms,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 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 m 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 IExhibit "B" 1I I • 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 day's total deposits of cashier's, certified, teller's, traveler's and federal. ite and local government checks will be available on the first business day after the day of deposit if the deposit meets certain conditions =or 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. ©2015 JPMorgan Chase&Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC. PN: 1329506 DOC ID:3 Page 40 of 40 EXHIBIT NC 0 a FEDERAL Federal Reserve Bank Internal FR RESERVE (Upon receipt by the Federal Reserve Bank) Joint Custody Service via es at CflFederal Reserve Bank Use Only Request Form Due Diligence Verified: • SERVICES Initials: • PLEASE TYPE FORM,PRINT,&SUBMIT(handwritten forms may delay • FRBservices.org processing) 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(available at FRBservices.org)may govern.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 Provide the 4-digit alpha-numeric account number(s)below that are listed as"institution ID"on your Number(s) 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. 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 Email Fax Email Address or Fax Number All [1] El LI Last Updated:09/10 Page 1 of 2 Federal Reserve Bank Joint Custody Service via FedMaiI4' Request Form Section 3—Service Description [ Service: .".....tli'ii!.':Pii.::::'!::*al..:,:!:.:::::F:!,'ir.!II-:;-:i1::::::.:ii!•,::.!1!.:'.D.....e.....:.0...t.....:0...1.::.:..t...10....0 •_..............................._..................... 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 , , , 1 - - --- -- - ----- - i Signature* The person signing this form must i be fisted on your current pledgee. agreement on file with the Federal• I Reserve Bank as authorized to act for your account. Date* Telephone* Phone Extension 1 1 , Please submit this form to the Customer Contact Center at: Email: ccc.coordirat...___,Acc.frbyor . 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:09110 Page 2 of 2 It EXHIBIT Ei Pledgee Agreement Form ...'1'1..',':.......•'..' 4."':::''''' .'""2::7111'.''''It:' To: Federal Reserve Bank of Boston Tel:800-327-0147,#1 PO Box 55882 Fax:877-973-8972 Boston,MA 02205 Attn: Joint Custody Date: We,the , agree to the terms of Appendix C of your Operating Circular 7, dated August 19,2005,as it may be amended from time to time with respect to the account on your books designated . (4 digit alphanumeric account number) • , i We further agree that you may accept par for par substitutions:securities from the Pled-gar as a replacement of,or in substitution for,those securities presently held(please check one): I NO anstrttctions required for [r"--1 YES(Standing approval) each withdrawal) , , : 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 4.1) We authorize you to use the following call-back procedure for securities transactions pertaining to this account(please check.one): IIMI Three-party call-back- 111110.: *Four-party call-back •We certify that the individuals listed below may take authoritative action on our behalf with respect to the account, 1 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: Print Name:_ Title:. Fax: Signature: Date: Telephone: Print Name: Title: Fax: Signature:....._____ '......._ ... Date: Telephone: Print Name: Title: ----- _, Fax: Signature: Date: REV 01/2006 Depository Bank Services DUE: December 19, 2016 Exhibit "E" .................. .................. .................. v Ala ig ROUNO TEXAS 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 Openinji 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(a roundrocktexas.zov 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 .. . ibit "E ?.0 ROUND ROCK T'E ..X 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 inschurwon@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://www.roundrocktexas.govibids 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 "4,11gl&iyf, 9,ntents INTRODUCTION.......................................................................................................................................................................3 REQUEST FOR APPLICATION.............................................................................................................................................4 CALENDAR OF EVENTS................ .....................................................................................4 APPLICATION REQUIREMENTS..........................................................................................................................................5...........................................................................S APPLICATIONSUBMITTED BY..........................................................................................................................................7.......................................................................................................................................... 7 CRITERIAFOR EVALUATION.............................................................................................................................................8 REQUIREDDISCLOSURES....................................................................................................................................................9 ACCOUNTACTIVITIES.........................................................................................................................................................10 REQUIREDSERVICES...........................................................................................................................................................11 SERVICES THAT MAY BE CONSIDERED.......................................................................................................................16 COLLATERALREQUIREMENTS.......................................................................................................................................18 INVESTMENT ACTIVITIE ............................................................................................20 OVERDRAFTPROVISIONS..................................................................................................................................................21.................................................................................................................................................21 OTHERSTIPULATIONS.......................................................................................................................................................22 MISCELLANEOUS...................................................................................................................................................................24 EXHIBIT1.................................................................................................................................................................................25 Bank io .....................................................................25 EXHIBIT 2.................................................................................................26 ................. ............................................................................26 Account Analysis Summary.....................................................................................26......................................................................................................................26 BANK SERVICES FEE SCHE ...................................................................................27 RESPONSEATTACHMENTS.........................................................................................................................................30..............................................................................................................................................30 INVESTMENTPOLICY..........................................................................................................................................................31 Primary Depository Bank Services RFA Page 2 INTRODUCTION x i l It E 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 eli ible to res and to this RFA the financial institution must have a full service"brick& mortar"presence within in the municipsiboundaries of the City of Round Rock. Any and all charges and fees associated with the Depository Bank Services Agreement 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 may be 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 types of accounts, as it deems necessary throughout the term of any agreement resulting from this RFA. Any fee charged for services not listed but later requested by the City will be mutually agreed upon in writing. All fees, rates, and conditions shall be fixed for the entire term. The Depository Bank Services Agreement is an important component of the treasury and cash management system of the City,and the City requires a financial 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 Depository Bank Services RFA Page 3 REQUEST FOR APPLICATION X i ' it E 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 OF EVENTS Monday,November 21,2016 RFA available to prospective financial institutions Wednesday,November 30,2016 Deadline for Questions/Requests from proposers for Additional Information(3:00 P.M.) Friday,December 9,2016 Deadline for City to respond to questions,any addendum posted to City website(3:00 P.M.) Monday,December 19,2016 Responses due to City Hall,Reception Desk,First Floor(3:00 P.M.CST) Wednesday,January 25,2017 Bank Presentation/Demonstrations(if necessary) Wednesday,February 1,2017 Notification to recommended 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 X 1 1 it ,IV 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. 17-002 —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 3:00 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 asii t' s the response or specific parts of the response can be shown to be exempt frM4 !M ubliI4nformation 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)218-6682 Email: inschurwonroundrocktexas.gov Primary Depository Bank Services RFA Page 6 APPLICATION SUBMITTED BY X iii 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 FDIC Certificate# Address of Financial Institution Telephone# Email Address Officer Name&Title(printed) Officer Signature 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: Primary Depository Bank Services RFA Page 7 CRITERIA FOR EVALUATION xisit Ill The City shall carefully review the submitte. app ications4Fhe evaluation of the applications will be based on,but not limited to,the following criteria,in no particular order of priority: 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; 5. Funds availability; 6. Interest paid on interest bearing accounts and deposits; 7. Earnings credit calculation on compensating balances; 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 apicJt¶1a comp y 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: Disclosure 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 www.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 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 t The City anticipates establishing an account thi'consists of the following bank accounts: • 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 The Operating Account will be the primary account for daily activity. The Operating Account will also be the primary account to receive deposits and make disbursements. The Payroll Account is a ZBA funded by the Operating Account through which the City's 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 ZBA 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. The DT Land Group Account 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 REQUIRED SERVICES The following services must be provi�e� x iiit ri ed an7ör be provided in an alternative form that results in essentially the same outcome or capability. 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. [JYes,can provide as requested/required. :No,cannot provide as requested/required. Comment: 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. DYes,can provide as requested/required. []No,cannot provide as requested/required. Comment: 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. [:lYes,can provide as requested/required. [JNo,cannot provide as requested/required. Comment: 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 may approve and make pay/no pay decisions on any exception items. DYes,can provide as requested/required. DNo,cannot provide as requested/required. Comment: 5. ACH—The City requires a 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 A/R and utility billing charges. El Yes,can provide as requested/required. ElNo,cannot provide as requested/required. Primary Depository Bank Services RFA Page 11 Comment: • A. 6. ACH DEBIT BLOCKING — TheEXHAllitA1CIEdebit 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. DYes,can provide as requested/required. DNo,cannot provide as requested/required. Comment: 7. ELECTRONIC DATA INTERCHANGE—The City requires Electronic Data Interchange("EDI") service capability with the ability of obtaining monthly reports and transacting vendor payments. O Yes,can provide. :No,cannot provide. Comment: S. 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. o Yes,can provide as requested/required. ONo,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 CR19Oi scanner used to process checks received. DYes,can provide as requested/required. :No,cannot provide as requested/required. Comment: 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. E:lYes,can provide as requested/required. DNo,cannot provide as requested/required. Comment: 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. DYes,can provide as requested/required. LINo,cannot provide as requested/required. Comment: 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.,subietj schedule. DYes,can provide as requested/required. E:JNo,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. DYes,can provide as requested/required. DNo,cannot provide as requested/required. Comment: 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. DYes,can provide as requested/required. DNo,cannot provide as requested/required. Comment: 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 aaalies to"No Fee"or"Fee Waiver"applications. EIYes,can provide as requested/required. ENo,cannot provide as requested/required. Comment: 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. E:JYes,can provide as requested/required. EINo,cannot provide as requested/required. Comment: 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. DYes,can provide as requested/required. DNo,cannot provide as requested/required. Comment: 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 • � • t. o, . ` � erly basis. If deficient,settlement must be made by direct debit to the Cit�s':4 . �� co . EJ Yes,can provide as requested/required. DNo,cannot provide as requested/required. Comment: 19. RESEARCH—The City requires that all research requests are responded to within three business days of the request. DYes,can provide as requested/required. :No,cannot provide as requested/required. Comment: 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. DYes,can provide as requested/required. :No,cannot provide as requested/required. Comment: 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. U Yes,can provide. UNo,cannot provide. Comment: 22. AUDIT CONFIRMATIONS — Successful applicant must provide account balance audit confirmations to the City's audit firm annually at no charge. E1Yes,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. ❑ Fees to be partially waived. U 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 earni1 � I t ❑Yes. flNo. Reserve Requirement Comment: 25. EARNINGS CREDIT RATE—Applicant must state the ECR being proposed. ECR Comment: Primary Depository Bank Services RFA Page 15 SERVICES THAT MAY BE CONSIDERED - - "Vt� � The following services are optional an may e considere 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. BANK PROVIDED ATM—The City may consider installation of a bank provided ATM for employee and public use. [JYes,can provide. ONo,cannot provide. Comment: 2. INTEGRATED DISBURSEMENT SERVICES — The City may consider different levels of outsourcing for its disbursement function including, but not limited to, check printing and distribution. E1Yes,can provide. []No,cannot provide. Comment: 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? EI Fees to be waived. 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. L1Yes,can provide. EJNo,cannot provide. Comment: 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 securities 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. Conf . 'ip.c�lle`f--. Abe provided to the City within one (1) business day. ll�p 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. LJYes,can provide. LINo,cannot provide. Comment: 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. EJYes,can provide. :No,cannot provide. Comment: Primary Depository Bank Services RFA Page 17 COLLATERAL REQUIREMENTS 1. COLLATERALIZATION — The X 1 �app icant 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 ending ledger balance is to be used as the basis for calculating the required 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 ending ledger balance. EYes,can provide as requested/required. ElNo,cannot provide as requested/required. Comment: 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. El Yes,can provide as requested/required. ElNo,cannot provide as requested/required. Comment: 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: El Yes,can provide as requested/required. ENo,cannot provide as requested/required. Comment: 4. COLLATERAL SUBSTITUTION—Any substitutions of the pledged securities will be performed as provided for in the City's Investment Policy. El Yes,can provide as requested/required. ONo,cannot provide as requested/required. Comment: 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 EYes,can provide as requested/required. DNo,cannot provide as requested/required. Comment: Exhibit "E" 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 L:]Yes,can provide as requested/required. ONo,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.-- (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 committee, and (D) has been,continuously from the time of its execution,an official record of the depository institution EYes,can provide as requested/required. LJNo,cannot provide as requested/required. Comment: Primary Depository Bank Services RFA Page 19 INVESTMENT ACTIVITIES 4:111i It "ttidr�The Public Funds Investment Act, in conjunc ion with e 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. ONo,cannot provide as requested/required. Comment: 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 collateral in excess of FDIC insurance limits must be supplied to the City prior to CD settlement. EYes,can provide as requested/required. LINo,cannot provide as requested/required. Comment: 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. t]Yes,can provide. DNo,cannot provide. Comment: Primary Depository Bank Services RFA Page 20 OVERDRAFT PROVISIONS 1. NET OVERDRAFT DEFINED—TheX 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. ❑ Yes. DNo. Comment: 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. L Yes,can provide as requested/required. LJNo,cannot provide as requested/required. Comment: 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 1. REGULATION NOTIFICATIO�S= 1 e successil� 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. 1:]Yes,can provide as requested/required. :No,cannot provide as requested/required. Comment: 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. L1Yes,can provide as requested/required. LNo,cannot provide as requested/required. Comment: 3. RIGHT TO CANCEL UNDER FEDERAL 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 RFA or any resulting agreement, then the City expressly reserves the right and privilege to cancel the agreement and to re-solicit applications. J Yes,can provide as requested/required. LJNo,cannot provide as requested/required. Comment: 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. EINo,cannot provide as requested/required. Comment: 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. UAcknowledged. Comment: 6. DEPOSITORY BANK SERVICES AGREEMENT — The City requires that the successful applicant execute a mutually acceptable Depository Bank Services Agreement with the City. L1Yes,can provide as requested/required. EINo,cannot provide as requested/required. Comment: 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 Depending on the outcome of this RFA for a primary Depository Bank relationship, would the applicant consider entering into E.„.‘emit, . •ary relationship? L Yes,can provide as requested/required. ONo,cannot provide as requested/required. Comment: 8. RIGHT TO TERMINATE — The City expressly reserves the right to terminate 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. ❑ Acknowledged. Comment: 9. TERMS FIXED—All fees,rates,and conditions shall be fixed for the entire term. U Yes,can provide as requested/required. [JNo,cannot provide as requested/required. Comment: 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 Name Title Phone Relationship Officer Primary Depository Bank Services RFA Page 23 MISCELLANE(JUS ____ ____ ___ _ i_i__ i _ ii 0 ,o_ _ _ • tt 1. SEMI-ANNUAL MEETING — e Ay s al require a review meeting at least once 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 keeping abreast of changes,new services,or new requirements. JYes,can provide as requested/required. EINo,cannot provide as requested/required. Comment: 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. ENo,cannot provide as requested/required. Comment: 3. 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 Request 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 I X isit Ell BANK TRANSACTIONS BY ACCOUNT September 2016 • . BEGINNING CREDITS DEBITS ENDING DESCRIPTION BALANCE NUMBER AMOUNT NUMBER AMOUNT BALANCE . . . . Operating $ 19,717,053 324 $46,253,242 115 $46,966,392 $ 19,003,904 Accounts Payable - 21 10,659,799 470 10,659,799/ - Payroll - 17 4,288,797 81 4,288,797 - - . Financial Services - 336 1,951,313 66 1,951,313 - Utility. - 18 4,488 103 4,488 - CDBG/HUD 7,807 3 13,183 3 9,775 11,215 MS Debt Service 4,120 2 40,826 1 40,723 4,223 DT Land Group 128,882 2. 14,774 24 6,191 137,465 - . - TOTAL $19,857,862 723 $63,226,422 863 $63,927,478 $19,156,8071 Primary Depository Bank Services RFA Page 25 -``''-`_I'` 2 _______ --------V -------------- -- ------- -- _0------------------------------------------If---------------f-------------------------------------------------------------------------------------------------------------------------- ------------- E..NN~,.it til`'' A-CC01.J'NrF ANAI.4YSIS SUMMAII.Y -....... ____ -_....._ _- ___-___._ __ -_ - - - -� - - ` - -- ' T - - - Avg.Available Period Avg Colle cte d Avg.FloatBalance i Oct- 1998539427 $ 6159454 $ 192379973 .................................................. ......................................I.......... Nov-15 1998029147 5139187 1992889960 ........................ ............ .......................I. ........... Dec�15. 1996029106 2359211 1993669895 .............. ......... .............. ......I.......... ....... .......... Jan-16: 198689832 2539004 1996159828 757 1997419569 Feb-16. 1999979326 2551) .......................... ........ ........ .................-................. ........................... ................ Mar-16: 1996299545 2579305 1993729240 ................ ........ ..... ...... Apr-16 1997909478 1999272 1995919206 ............... ....... ...... ...... ....................................... May-16' 1998229028 3579151 1994649877 .......... .......... ......I.-I.............. ....... Jun�16: 1999249745 4429049 1994829696 .............I...... ....................I..........................-...........................................,...''.............. ................................................... Jul 16': 1890439047 187628 1798559419 .... ... ........ .............................. Aug-16 2093719719 3539953 2090179766 ................... .......... .................. ......... ...... . ...................... .......................I.......... Sep 16' 1894989646 2549549 1892449097 Total $23592049046 $ 399249520 $ 23192799526 Average $ 1996009,337 3279043 1992739294 Primary Depository Bank Services RFA Page 26 BANK SERVICES FEE SCHEDULE ix 111 CITY OF ROUND ROCK VOLUMES FROM SEPTEMBER 2016 ACCOUNT ANALYSIS AFP SERVICE DESCRIPTION VOLUME UNIT SERVICE CODE PRICE($) CHARGE($) ACCOUNT SERVICES 010000 ACCOUNT MAINTENANCE 6 010020 CASH CNTRN BACKVALUE SVCS 5 - 010020 CASH CONCENTRATION MAINTMASTER 1 - 010021 CASH CONCENTRATION MAINT SUB 5 - 010100 DEBIT POSTED-ELECTRONIC 177 - 010101 CREDIT POSTED-ELECTRONIC 460 - 010307 STATEMENT CYCLES 6 - 1500ZZ POST NO CHECKS MAINTENANCE 3 - BANKING CENTER SERVICES 10004A BRANCH ORDER CURRENCY STRAP 14 - 100040 BRANCH ORDER PROCESSED 7 - 100044 BRANCH ORDER-COIN ROLL 881 - VAULT SERVICES 100100 VAULT DEPOSIT 231 - 100110 VAULT DEPOSIT ROLLED COIN 6 - 100111 VAULT DEP PARTIAL OR MIXED BAG 12 - 100114 VAULT DEP NON STD STRAP-NOTE 9,717 - 100501 VAULT DEPOSIT ADJUSTMENT 6 - 100520 VAULT DEPOSIT ADJUSTMENT NOTIF 4 - DEPOSITORY SERVICES 10101 CREDITS POSTED 224 - 100200 ICL DEPOSIT EARLY 21 - 100210 ON-US STANDARD 26 - 100210 FILE TRANSMISSION REC.-VPN 21 - 100210 ON US PREMIUM 866 - 100214 IMAGE GROUP ONE 2,818 - 100214 IMAGE GROUP TWO 1,113 - 100214 IMAGE GROUP TWO-TIER 2 1,420 - 100220 CHECK DEPOSITED-ON US 82 - 100224 CHECK DEPOSITED-TRANSIT 756 - 100230 DEPOSIT CORRECTION 1 - 100400 RETURN ITEM 6 - 100402 RETURN ITEM REDEPOSIT 16 - 100419 RETURN-EMAIL NOTIFICATION 6 - 999999 IMAGE QUALITY SUSPECT ITEMS 12 - 999999 NON-CONFORMING IMAGE ITEMS 1 - Primary Depository Bank Services RFA Page 27 DISBURSEMENT SER1 � 111U1t �10100 CHECK/DEBIT POST' : 180 10112 CONTROLLED DISB FUNDING 42 - 150000 CONTROLLED DISB ACCT MAINT 1 - 150030 EXCEPTION NOTIFICATION-ACCT 3 - 150110 CONTROLLED DISB CHECK POSTED 470 - 150410 STOP PAYMENT-ELECTRONIC 6 150412 STOP PAYMENT AUTOMATIC RENEWAL 3 - 150501 CHECK CASHING NON-ACCT HOLDER 7 151351 IMAGE STORAGE PER ITEM 651 - 151710 CHECK INQUIRY MAINTENANCE 3 - 200306 RECON REPORT/STATEMENT MAINT 3 - RECONCILIATION SERVICES 150030 POSITIVE PAY MAINTENANCE 3 - 150122 PAYEE NAME VERIFICATION 547 - 150300 EXCEPTION ITEM 6 - 150320 CHECK EXCEPTION RETURN 1 - 151351 IMAGE CAPTURE PER ITEM 651 - 151353 CD ROM-PER CD 1 - 151353 CD ROM MAINTENANCE 1 - 200010 FULL RECONCILEMENT-MAINT 3 - 200110 FULL RECONCILEMENT-PER ITEM 650 - 200201 ISSUE INPUT FILE WITH RECON 11 - 200301 OUTPUT FILE 6 - WIRE-U.S. 350100 ELECTRONIC FED DEBIT S/T 16 - 350124 ELECTRONIC BOOK DEBIT S/T 1 - 350300 FED CREDIT S/T 8 - 350320 BOOK CREDIT 1 - AUTOMATED CLEARING HOUSE 50030 ELOCKBOX MAINTENANCE 2 - 50300 ELOCKBOX TRANSACTION RECEIVED 6,912 50311 ELOCKBOX TRANSACTION REFORMAT 6,912 - 250000 ACH MAINTENANCE 3 - 250000 JPM ACCESS ACH MAINTENANCE 2 - 250100 DEBIT ORIGINATED 4,635 - 250101 ACH DEBITS\CREDITS ORIGINATED 3,431 - 250120 ADDENDA RECORD ORIGINATED 19 - 250200 DEBIT RECEIVED 81 - 250201 CREDIT RECEIVED 364 - 250302 RETURN ITEM 10 250400 RETURN NOTIFICATION-EMAIL 10 - 250501 ACH BATCH/FILE PROCESSED 15 - 251050 DEBIT BLOCK MAINTENANCE 6 - Primary Depository Bank Services RFA Page 28 251051 ACH ADA AUTHORIZED ID 22 251070 NOTIFICATION OF C • . 2 - 251070 NOTIF OF CHANGE- ' - =t:, thit "E" 2 _ 259925 ELOCKBOX FILE PROCESSING 21 - RECEIPTSTREAM/ENH REC SVCS 300524 R$EDI RPTG SUM REPORT 136 - 300524 EDI DETAIL REPORT-JPM ACCESS 188 - JPMORGAN ACCESS 40044Z ACCOUNTS REPORTED 8 400610 MONTHLY SERVICE 1 40066Z TRANSACTIONS REPORTED-45 DAY 1,119 40066Z CONT DISB CHECKS REPORTED 482 40066Z EXTENDED TRANSACTION DETAIL 4824 - WSS OTHER FEES 459999 FEES-ACCOUNT MAINTENANCE 1 PREMIUM ASSESSMENT FEE 000230 PREMIUM ASSESSMENT FEE 18,500,000 TOTAL MONTHLY CHARGES - SUPPLIES TAMPER PROOF DISPOSABLE BAGS 0.000 SELF-INKING ENDORSEMENT STAMPS 0.000 CARBONLESS DEPOSIT TICKETS 0.000 TOTAL OTHER CHARGES - EARNINGS CREDIT FORMULA/RATE BASIS CURRENT RATE 0.00% AVG COLLECTED BALANCE LESS RESERVE REQUIREMENT 0 INVESTIBLE BALANCE 0 ESTIMATED MONTHLY EARNINGS - PREMIUM ASSESSMENT FEE FORMULA/RATE BASIS CURRENT RATE 0.00% AVG COLLECTED BALANCE ESTIMATED MONTHLY EARNINGS 0 LESS:MONTHLY SWEEP FEE 0 ESTIMATED NET MONTHLY EARNINGS - Primary Depository Bank Services RFA Page 29 RESPONSE ATTACHMENTS - -- --- - if • -IF - t ,�r - - - - (ALL ATTACHMENTS MUST BE WITH RESPONSE-PLEASE ATTACH IN THE ORDER LISTED) 1. ACCOUNT 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. 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. 3. 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 applicant'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. 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'x•'<� Y�v S ;+ •<� n : ,x�< I cc �t xx xwx 4£av4` 4a � .�U •: r:4» s } ..`£2'•�,�.'',a i.<{�.,+;-fit . t • � •�..�:iXsu:* ,3.-•?•t� < ra•.w: � $'��''4. £{ry: °L !"?:!;%} ' »^e c ? �'�'�z .''w •: .'�a"s,:{4 • ',VW,: p,4am.x fi�»,T.•: : ``nw-., Yn N n �y,fh <n " Y^ ' 4 S;`y. r� •j ,"hy- .MC pxtihySPi'»L a} ��; g } ,n.7• tV4 [4:`, ";>C^ s �n Ami ''S _nmw Tf»{r�,�}• < fiG, ?K ;xn.r�Cv'wl o `:' ; "�ci»� +C xxko �.fi,n,� _z 34�hYyY{i "i b� li "n. io:Egn.,41h4 t�^ �a-• `7:�..:.:�• Y ;� ;, .x h'nv�rx �"" x •:x S ^x`»x:n:{n,';r.n'''. , . : r,-:;to?�u W g ,. x�r 3 t. « � . �.K .n.xtnn::.::x. v�n. a::` }:y.:,r.nrx:i:..... .n..:..r ,...Sn». •}rxw.»av}n\ 4,';i.4.xr.Yre,,xx g....w.x.rx.r . ,.... :• } Proposal in Response to Primary Depository Bank Services RFA No. 17-002 Due Date: December 19, 2016 JPMorgan Chase Bankr N .A. ,..::..<.vx.;..:.:..::.:.i..::t:.:;;.,..t.;,.n...:'.,:..:.}.:rrrr}..:�::;...{}:.:...;.:.::�.,.,:,....:,::..r.}:::.. ...... .. �::}'� .... . ... ............. .. . .. ......... .:.:..,., ...r..:...:r:.:•.,:.x.n.....:}x:;•:.rr}:.::.-.::.:r:.r.r.........:..n•::.•..:.rr.....r:::::..:r.:.::.:r::.•:..:...::.�:...,.:..•.:.....:... e'.•'� •:•�:.::::i .....:...::.n.r-::r:-..•..•:..-:::-..r:•...r:......v.r..rr...:........,...r...r..r..::::...:::::.........: ::.:. .... ,?:i::'.i:'•}::':�%'•,;:::'Y' ...:..r}.n,.n-n-:.}...nr..,.4.:.::.-:}.................:....,..r..,...n,.....+....,,,............f.::.n..........,........... .. :i-:::;::: .,.::;;,,v,i.,•r:fg,: ..x...x..r:r::-:..}}.x:nrn}•.t-:::.....r.:..:::..5::•:.:.. r:....,..:::.,..:.....:. .......... -:r::r •.%::,•.....r...... } vrty.n ..;:..}.;..x.•.{};{.;;::r:;:: ;r:.t:;.;•.,,;:::::rn r.;•.• .:..:...:.:...:.}.•{•:•:r;;.:•:,::.;,: :: ,i}::::::{:':`'' • 'k.{. ...;,.....t v...;:nrx•v,::.:,y.nn.};n;.•.;�n.;:::n;.x...{....:....,.:.... ;...<....:. ... •: t,..,}t....f..:::.}{r-..nnv:x.•:nvn..,:: .}:^}:•y n.,.n•.•4}•.;;.'. .: .....'.,.•...;.}...r. ..../.mr:::•:v r::n. .:�-':•:• ..}nn .:...r..-...:: ..• ... .... rk�'v.{{;+;?��'<':{�:v'::}:::•:.:�::�.: '"':''..:-':"...'•.:-•:'.'":.':"';'..-:''• t;:.n .. . }, 3 ^: yr n.: .v ... •'••. .,..:{' .:'';.:.::.nit:rf:'{ '':{{';-:::: :•},{�•::;:•%,>.;'S} ::::....... :.:,„.,,,.,,.,„:„.„..,„,.,„..:„:„,:....,.,:..:.:,..,:„.„,„:,.......,...;... ..,... ,:,:., s._ ,..., S :. ,..x..r.n,;r.;;nx....: :.,..w.,y.;n.;x.r<..:.. •..{. ,.r..+.::••rv.;.;...... ..::.xm..r...x:.v..r.....:r?..v:. n........rr..,:.. .n. ...n..... ...:.r:' ,,,„,,,,,, !,, ..r.'x..nr..m.v:.n.m.. ............n... ...... ... .....r........r.... ... 'i-{::'•..i .x+r;:x•n.:x.r.rrv,::- •..r.•,• ' .. : ... .. .. .. , fix}• r Proposal to City of Round loci. 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$1.00 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 1-80o-766-722 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. 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Appendix 1. Availability Schedules Appendix 2. Certification By Business Organization Letter Page iP.N1o.ran ApPLidExibtEPEPFED BY 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 J.P. Morgan FDIC Certificate# Address of Financial Institution 221 West 6th Street, Floor 2 Austin, Texas 78701 Telephone# 512 479 2720 Email Address larnell.camus@jpmorgan.com Officer Name&Title(printed) Larne!! Camus, Executive Director . . ..„. Officer Signature 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 JP-Morgan Chase Bank,N.A. signs this application subject to the clarifications and.exceptions set forth in our response to question#6 in the Other Stipulations Section of our response. Primary Depository Bank Services RFA Page 7 Exhibit "F" JPMorgan 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.17-002-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 a back-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 analysis fees. We will also offer up to 5 desktop scanners to help transition from paper to electronic processing.providing the City imaged copies of checks for 90 days and reducing deposit adjustment errors. 221 West 6th Street,Floor 2,Austin,Texas 78701 Telephone: +1 512 479 2720 Facsimile:+1 512 479 2239 larne11.camus@jpmorgan.com JPMorgan Chase Bank,N.A. KMF" 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, 4-4 . . 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. 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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 Best Value Solution government operations while supporting you in theIn y RFP for Bank Depository most cost-effective manner. Our pricing strategy is Services,the City seeks best-value-a transparent. solution that optimizes quality,cost, and efficiency among providers. E.:xpericrice 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. Proposal to City of Round loci 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 6o 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. • .r/chi to governmentS and pro it -rlP.Mor an Chase raised more than . . billion in financing for local governments and non-profit organizations in Texas in 2 15• • Lending to small businesses— Morgan Chase continues to be there in support of small businesses throughout Texans, making a difference locally by extending$.1.47 billion in credit through b. cans i€ 201.5 • Through the years —JPMorgan Chase and its predecessor companies have been a part of Texas since.too.Our roots date back to the founding of the First National Bank of Houston, Personal...zed Serfrom yoyour . 11or a 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. pk.inentation 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 P 5 �.. ` L) Proposal to City of Round loci 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 will act on the requests as quickly as possible and notify the City when completed. investing in Innovation Many clients like the City can take advantage of Investing in Technology innovative technological improvements in the banking The company plans to spend$9.4 industry and seek new services being offered by leading billion on technology this year,up from$9.2 billion last year and to banks. Our ability and commitment to implement new allocate 40%of that spending ing to new technologies is critical for you to succeed in meeting technologies and investments,said your business objectives. Matt Lames,chief operating officer,in February, We realize that finding the solutions you need requires CIO Report May 10,2016 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. Proposal to City of Round loci We have heard you. In response to the needs our clients'voice,we continue to strengthen our foundation and strategically enhance our product set: Differentiating 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 by providing a more comprehensive view of your relationship with us. Delivering Product Innovation • 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,providing 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. fee.hnoIog .( Ability and commitment to implement new technologies is important. Many clients wish toAdvanced technology take advantage of innovative technological th improvements in the banking industry and seek `''clen` astrate 'ability to- employ advanced technology its our new services being offered by leading banks. own work processes,the City will understand how we can assist in J.P. Morgan continuously invests in our applying technology to improve your wok processes as\Krell as continue to technology solutions in order to benefit clients offer enhancements as technologies like you. Recent innovations focus on process change. 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. Proposal to City of Round 'lad inancial Strength and Stabi lit v Our Financial Strength Financial strength and stability remain a key objective for all government clients.The CityOur financial strength allows us to invest in the people,processes and demands the highest degree of safety for the financial technology necessary to provide e the assets entrusted to your banking services provider. City with banking services that provide long-term,enduring value and meet J.P. Morgan has developed and maintained strongthe market's needs. P 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 provide 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 P . flfYfl Proposal to City of Round hoc C•onConclusion. 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. 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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 Services 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. . .. i.: b e an.- . SoIutiotis 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 _ .Nlorgai'i Proposal to City of Round loci 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. Proposal to City of Round " � ■ 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 Proposal to City of Round nor 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. C p o sitory 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. Retitote 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 6:0o 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 10o 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 rotes , Vault Services, Sma t Sale and Branch 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. Proposal to City of Round lord 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. Virtual ReferenceNumbers ber 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 System 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. Va..'use .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 P .. \1( rgaI1 Proposal to City of Round loci Single Use Account Purchasing � Single Use Accounts 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 visibility 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. The_Single-tTse Account Payment Process 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. g e 5 ,l \flor(rin * . Proposal to City of Round roc Purchasing Card Program 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 Capabilities 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: Proposal to City of Round loci • 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. Pay Connexion • 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. P Page M orcYail. Proposal to City of Round roc Pay Connexion Clients Choose Among Multiple Configuration Options Data/Bit! Registration Payment Channels Payment Methods Payment Timing Remittance Data. Presentment Options Configurable Data Element Web oto Parameters 4 X. 7.4Real-Time Payment „ Confirmation mobile t'C{{ r' �`�T, -o - End-of Day Credit and RemittanceFife Bit t Debit Cards B tific o ®P € t ; Email Scheduled Adm in Site EMI Data Only or if-registration C SR with image (bey payer) Murtipie or Single .Urirecpstered Bits payments • Ci€ent ACH • Interface" Recurring: Research. .Paperiess API Installment or reconci ation and Preferences Vanab`le/Auto reports Figure-a Convenieilee Fee Functionality 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. Corporate Quirk 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 Proposal to City of Round loci 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. 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ONLINE BANKING SERVICES - The City requires online banking services accessible through h 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 intro--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. Z Yes, can provide as requested/required. Ei No, cannot provide ide as requested/required. Comment: 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. J.P.Morgan ACCESS Online Your authorized users will have the ability to Ranked #1 cash management portal, manage all your cash management needs, Greenwich,2015 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. Page 20 N4Orgafl Proposal to City of Round lord • 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. liaiance 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. Page 21 3 .. MarvIn. Proposal to City of Round loci ACCESS Online provides the City a powerful,easy to use reporting tool 8R 1,viorgart ACCESS p k. '2' `':- �-?:;.. '. :. -;�>r>.¢. '_ > ..a:1•.'r S '�k��re� :Ys, z:Yi . 'sz s '.#"? �`si;; ..a.;:>`f'?i''>. '>. .14 • .:«.««w««fir.«N...;wW.!•:..:.:.. _:.....:...-.. ...:..:..: :...«w(vwY.n..:...r«ri«.w««.v!.;w.H.««v.:.v«.;iH««.]!!C«.vwr....< .... ..............v,:N.+.e:in:.t««w.Yw«.. ........ .. ..... .. .... .^N..v,1vw .... ........................... Figure 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 • Payment and Template Report • EDI Report • Wire Detail Report • Returns and Exceptions 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 Proposal to City of Round lad 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 90 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. AC r and NVire Transfe 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. s • 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 Proposal to City of Round add methods,i.e.,wire,book transfer, account transfer and ACH, are accessible from a single-page in a uniform, easy-to-follow work stream. Sample Payment Initiation Page 'C` ,� � N � ._{:5,> T rrS{`'"•� L��Fo{.'v {� :£, {•Ff x�s.•r �s t.:s Y�.h�: Off )y....Q.. ... ` l.f v..\l o rg•.]i,1�• `9h Y{J{..�k9+.f Y' v/.}n':iJY).r'}F.•. 'fr J!ACCESS"'} {g�n�t3 rx cF. 11:L.,11.11,11:112:11112.11111111.:;.111:114 : Payment •>}..{f�..:...9 .. '�o}oox{aatc£awa3a�a{:ws.:cocci:.:'•� ................... st..£.:t?kovt.. / faf f.{• ,,>• �sv> : •i v} .lY•J n.•.••k,:Y.•y�••f.� { • Figure 3 A(7, 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 a JPN4organ Proposal to City of Round "loci Secure payment initiation made easy with ACCESS Online 44.40.4 610,0,0,0,0 t.C.44Er 004 WA:4o (4t4r 44,44.4.4 kt.ppe,....A Corheata," r*****4e,44, ift Morgan ACCESS' Pitalaktc CMCKS 4041/4014 • `, ' AWCAOINTS • wow, ItANCI+ Ptek 114.4.-1,0* Oit0,0,104,444- ,,two,td* Figure 4 'lentil/a(t'.,,s7 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. iierts 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 I P Nviorcra)1 , z„:„ Proposal to City of Round 0(1 ACII initiation. 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 • Cash concentration • Consumer collections • Cash disbursement • Payroll payments • Federal,state and municipal tax payments • Corporate/vendor payments • Child support payments • Corporate/vendor collections • 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. '.CI..:_ NA ;.. ..: A File 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. Wires 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. MOflafl Proposal to City of Round lord Sample payment initiation screen )k,46 S luritzt,1; .P.Morgan ACCESS`' a s - PA $" t:§ :i-t f r+;:� £ �>k'<. e a.;t y? °i �'£�` Y '' '° k:::� i'i ai a'�%'s r`4 < • " .`' +�a '2R.2'':` ' r 9t> .{,r?tkvr7t ..,._.A f yry _ { ...,,.vtw.,w.uwr �«.rj�.;c,c,.. :•: r..,.�., .,...ft...b::S,i,.wr.'6:tja$�%!6.N vday�n+k>G.,....,:. r: .<..�..�t....:...x _ .... ... ...... 7�:^' 63.Y?tf".iu.:i.Arp Sims < K Yi.4'.,414441 Um, • • Figure 5 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. drawdown 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. Skip , :`: ant 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 Page 27 Morgan Proposal to City of Round ►CI ACCESS Online,the system will search 90 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. Streamline your stop payment process with ACCESS Online a.< 8httlxVit ACCESS' CM a --` `, AttattS ttiocen .. ... . ... ... ...... ...... __. ... .... � 'Of o .' 41, 44. Wkittirl Poo • • Figure 6 For same-day action, stop payment requests via ACCESS Online must be received by 6:3o p.m. CT. Stop payment requests remain in effect for one year and are renewable for an additional six years. �.: images The City can receive images of all on-us transactions (paid checks, deposit slips, advices/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 Proposal to City of Round roc 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. ACCESS Online offers paid check images with a number of viewing functions(i.e.front and back, zoom) :»; .. :,• .: 'v-...r ,; ...: :. e::>. .-+,,.t 4, , :.:::.. ::...... �:.:::::�. ::::{..}:{i;::. ,{vt:.4 .N..'{tn\{.4 4:i .{{C�.:4'< ..L.C.L:. ..L: ::C .... .....^S3J.'yQ�d1....t.. ...l:C.Y�.r rv.r.r$......:. 4:.}...Y...: .r..n .r r .r.r....r}}}%.........n..r.....:::.v::}::::::v.�.:.v:r........•.....::......nw:::::.................... :•./.t....r.: .:$x.Y..:•r 3r..r....r f.::iCL:4f6"#Y � ....tt K ....................................................................... ..............::::::::.}::::•}:,:!::::.}•{{{}.;:.,:. ::'4'•'••.;.{.:::•:, .J'..t r .{f.r ..L!,}�,+:.:,:...%••7: .. ... .. .... ....4.r W..•..: ...r..3 .v rin r`r}$i .....}.rY.J.} r r..v.}r r...r..................r ....J:...................... ++jj rir r -:•JIY;..}$Y rv..r •rfiir .•$' %v}: ..n....r .... .. ...{...i... ..........n.......................::::.:•.::.:�w:r...::::.�•::rv:v:::.::::...n..:::;n:;....n.....{.+,....{: 0..:. f .:..{., ...... .. .. ... .,... .. r ...4.rrf�.. :. ,.r r�3 r.'JF»r3.:..r.. n.ti..:.:.....T n.......f..r.:..... :........:....:.... :r:j•$r:. .:Yi:t:3:%.y..S.r�•;$,.Jr i»: •3,:1i}}�:.}$. }iti�:}'»M:?•}� S.Y.....,.. ...,,....�... .........rr}:�.i..�}r}:r ,•33....r....r r» r r>3�Jh»S..�w.r .}r + 5 r.. f .r ...}»r}.:..rf•» :. rrr::.:::r}:.:.....•.,.,.•:.+;.::..,r.......}}:::.S:L4;:}:..,...: :::..:.....:.r::r;;::3;;>:3}•:::}.�i<�r':•"{ ::}•.:}rsY: #..$....::5}:...}.t .v3:�::r...::......:...i}....-... ... 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S.}3:S..J.:,r,....�r.:..::rJ..+r.r:.. .•$>}:•:. ..S$3$S.}.. :.}5. •:}.. ,.r:..w. $�. .J,}c.:.� r.:r:.•,.•, yy.���{!r':: ... ...........���'S�........n....:..t)...r'{,....n Ji./.•.:....�............2..........4..R...4•:+.,...:..:#.:.'.4r.n.#�r... nr..�..n.,{.�ri,.tvr. ...,..p+:F:.t• ..t.Jr'.r.r..vn+.4.Av.v:....�:.v .�:}. :r..�. ,+i}.>J., ::{..:...2 ::.{. ...A%Lx:h.�:{..,�• 3r..5j. r.r.:...r...................r...................t.......r.......................:...r.}........ r....... ,......}.......r+:»...........:................... ...�,,{..,..rrr:}}}3;•$}}}}%t,.r..,...::...4�';:4R.r?.:.....,.....,.....y,3 r...r.::.....:..,{J#.;{.}. ....... ...........r..K3....... .........r.r3r.f.`».:..,......r...:•.4�...........,.......Y..3}...r....37a a3 ...:»:......... � 'rJri:. Y:R4:,,..%•:»::..........}r......Y...L.:,>.,, !.13 v?:.v n...i/v,F}h:wvtM?MY{hYH4'+y':....::. .:»:.. ..::.. :...:: 4it+n'+AfoO: .4' Two tko'AR':2'T`'wd sr!:.Y''rfr`c cent*+, �'», mks outtstix soap �•3c des e K:�:aN15 I' WI' t 4,00043 :i *.**}* Yr 4ri4:4.4.•Yr.,w::4:,2.'i.{:ro.2i...4.•:,•%•+:i,,.;4»r:,:u n..'...:.,.:..,.'.:....... .::.... .":..n:... ..:.:n.v....::.. :........ ....:::n. ::.:.... ....... ..:yJ.;;:,.,..;.Aht.Y.v:.Y:.,.r»r:4w.. ....... ........ .....,....:.r.t Figure 7 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. Late men t 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 29 iv1organ Proposal to City of Round loci Online 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. z ACCESS Mobile Advantage J.P. Morgan � gan ACCESS Mobile among Top 6 Mobile Our mobile service enables clients to log on to Banking Apps for Business ACCESS Online on the move.The City's ��'�� !!rr Banker,American Banker,2015 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..P\I1 Proposal to City of Round on• 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 SecurlD token. ACCESS Mobile Features . . ......... . . .......... ........... A°E:c.otF#is iUSt.i) Accounts Payments< Approve ,�RR L;#sy?xas.: ,::.i ; t f:�z3#:!t. f 2:12271111X L�'� A?3.#CCi$3LfF3'IEYE?''LkY fat dfftl::ln6f£3#c < ,AfA(3$:S Mr": 4 .......... `6k 43$A 1f�'t' 3i5•'7>3'd`' 33 ��#3'fd�iL �i-'SkC.,, • • ££31F£ L'tf3 f:sQ;3.%tS:i°�°% S czueac$ 3>os>� ta;3%.fbAS.>>^:t> i fiAYt.., nt...8 tt s az ncxxb< I �,..._�s:r�t;tfcst�st4'�fFtfM. "' • nd>Y8 ;sfdY ?4.#,.,Z F t£E•EF3.4E.f<E�.:^tY { Y tx ti ... tf �UNt 11.22 YSArtg x t iZ�11tYY8. Rw ask x� irfrt. #Zfffl..4'Jc � .... - il.44 Oa,:LS£ 3#;;a!3?o34#R f' S 7. #::.. 17ddf:ARk **CO Coe.Lid. Figure 8 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. Li No, cannot provide as requested/required. Comment: 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. OW It V‘V 1::*.k S 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 JPMorgan Proposal to City of Round 'lad 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 8:40 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. 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. El Yes, can provide as requested/required. LI No, cannot provide as requested/required. Comment: 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 ea. " be set :. . with two primary tons • 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. Page 32 ) \i 0 . a n Proposal to City of Round "la CI 4. POSITIVE 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 may approve and make pad`/no pay decisions on any exceeptio, items. Yes, can provide as requested/required. No, cannot provide as requested/required. Comment: J.P. Morgan will continue to provide positive pay and full reconciliation services for the City's designated accounts. POSi Li ve 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 9:3o 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. Proposal to City of Round loci To prevent check fraud,the City can view images of positive pay exception checks before authorizing payment. The City can view images of positive pay exception checks online before authorizing payment LP.Morgan ACCESS' .... ems... .. ;;;;.::� 4. �� ,>f8��t34},�,, ..,,, K� r:s; ,. r;: ;.; ur: ,x ?, ��'•� :���• ''��s:';:: :. ...... t v -. ....... :.::.....'::-::...:.....:..... -.,-..:v::.•.::.:.:::•v.!v�Y.i{ ::{n3i:4'2}.}l}:a:::2i a(}:viY.Ji}}i:}}.;'.}-}i':'{;'•::yr�}y .3.3 SSS... .,ar•:•SJ•X S rK ..:.:..»:.:..::.::...............................................:........:::..::.;:........r..,...........:.:,:...r.:....:......::::::r ...34:a'•3::}Y.:.:....:.>,: :.:.:..{.:..., ,...:::?,..a.:'.:: ?t# Y}$ #. .f2.. 3 3 Y: »:n::•:...:::->:::::-::::::::::J�::.a}--»�:: »:f,». .:•S:)rt: .:.t.:.•:..):. ...•...�.,1..::..:...:.:.�::..::..:�:.�..,.:....:....::.:::::..::::: ..#,. :{:�{:::t.: S:r{. ..Yam.{.MAY+.,?.:•,..:.:?... �. : :. ., r .::::::y.;:.}r:;;t.}};r.;r.:;t;.::.>:.>::;.}.:�::.;;+:•• ..r. .. : ..........� .:.}i:.. ... .......: Y�}. ,,�: n................................:.........S..v r.:Y::•:v:-.. .}:v:: v:}:.. •:.'+5:.. 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J..:a'.•:... 5,,•{J,ot}�...... ::3 •-:�3.`: :.SY.3.. -:.}:..,....{..�,},, ::<;y»5.,.>,,j,':?�'»},??}.r.�}>?:.•.3::. �'�3{r �v rY.3:::::::::....... .::.a».::2:�..�::>:�`.#n.S:btiti`.L..�,�.�n',.,.::. ��AY+.•..•J3.'>::.Y'••isY3'?Y.?.••:.{>::rf5:ff:>,c:J?::.a,<'.}:•}}3•.•.::3:::..>a:.##`}�:�.�•}Yo-.,•:: r::N':fdf>w`t�;;::,:•}>:r::•}} : r,3+3u3.2s �:.�:::::.. ...?n................._.......���a.°k�• .u�%Y�' .... ..,......_... .................................{.......---.....{..�..........:...........,......................................:........................._................................ .aa.r.i- NOT VECOT14.11i NOT Gk.PBt NEW*COW,NEW PORK s¢5.4 SAME..VOID 4letA.fir: 'E��,.{;•�?i'S,... .. »ax 2`' i3+►:::f6e:f3,.9ciataAtt:,. r:t3'Y7:ifF • t .. v ...,.........,....... ...,... tom.. ....... ...�.. M..•...�- xrowwy.v��.n:::srir+am-,awwa..:• < •ikrt::'.,... E s?fic2d±:L.,W a { Figure Payee.Name Verification 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 gari 4 Proposal to City of Round loci- The City will receive additional fraud protection by selecting J.P.Morgan's payee verification Parte Sri :..: YOUR CUSTOMERmrstS .. . 001 CAVit q.rxzieasgc>'qr.....:..y,... ....... .................... ...... ...... .�:+,n�St,K..� �(( �'A•Ad6 do-.'fi ^'� 9' giZEROok.f#4 €ae 00 kM,.. 0Y.cR1lB a'kit 8 y .......................................:...:............ ....'...:........ �'- wwuao»iaxaxarirtip>:r..... .. .:.�'::':.`:.`:isrnI.+IN'+:SSgtasg53{i,}9grw•'...:::.:+.....,...�.Sv�fU;'f&944�1'fRsc..�... ...... .::;k4f?A.'+3....�..... ......- .-- ...... �.!:� Traditional positive pay nor: '"�° t3_ 3.# ;? Figure 1+0 Teller Line .Positive 1.)tly 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. Fitil Account Reconciliation 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 Proposal to City of Round loci 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. Account Reconciliation Reports Morgan ACCESS >.qr, k o" .t 4 '"3�`:Z j':.f 34 e s4,:..>'..4'y`^;s.. 4`. r•:3'>t '"°"" * ze�°c>'zr'r""°°.;w�v.resseasao >•: : t v • .T: uv an.+".c,...„k t^. .:,.�.:kS"�'�.r��C#Yksi';Fct�w>:oY�^ 4{r•.; ,........::.. N,. Figure ti 5. ACC - The City requires robust ACH system with the capability to create ACH credits for direct deposit of payroll and vendor payments, and todirect debit customer accounts for:AIR and utility billing charges. E Yes, can provide as requested/required, E No, cannot provide as• requested/required. Comment: 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/R and 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 .J11OI , UI Proposal to City of Round roc • The secure file transfer protocol (SFTP)transmission method for large batch origination. Direct : : . of Payr .d! The City's employees can receive automatic electronic payroll payments to a designated checking or savings accounts using J.P. Morgan's 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 Payments and Direct Debits The City can make vendor payments and create direct debits to customer accounts for A/R and 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 ,11.. Proposal to City of Round loci 6. ACH DEBIT BLOCKING - The City requires ACH debit blocking capabilities its accounts, with the ability to selectively permit specified ACH debits on certain accounts and restrict all ACH debits from certain accounts. N Yes, can provide as requested/required. w! No, cannot provide as requested/required. ACH Debit Blocking enables Comment: the City to: Bloc.: To protect the City's demand deposit s All ACH transactions accounts (DDAs)from unauthorized ACH transaction,J.P. Morgan will continue to a Specific originators provide ACH debit blocking capabilities on a dollar amount its accounts,with the ability to selectively • B date permit specified ACH debits on certain accounts and restrict all ACH debits from iv All ACH transactions certain accounts. N Specific originators ACH debit blocking enables the City to * By dollar amount specify which companies are authorized to . By date 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. ELECTRONIC DATA INTERCHANGE - The City requires Electronic Data Interchange ("EDI-) service capability with the ability of obtaining monthly reports and transacting vendor payments. N Yes, can provide. El 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) • SWIFT ISO2oo22 (camt 52 and camt 53, CGI Version 2) Page 38 J 1) \'lorgafl Proposal to City of Round loci 8. 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. :\--] Yes, can provide as requested/required. El No, cannot provide as requested/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 CR190i scanner used to process checks received. Z Yes, can provide as requested/required. LI No, cannot provide as requested/required. 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: • Automated clearing house (ACH) • 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 r (I: \I -- - ,,,„c Proposal to City of Round 'lad Image Cash Letter Overview C: O' .V... 406L 11 R•tom::Wa BOO) :<. is :4 COMAMST..fF".:.:'0..y Cle . pt {5"Wff!f fad. «.+�y '�t' , �n s'>.d4'6 f.m .>.n. f .'"' ... .�: Lrf"ou:�.uSA .i••,:;. b nelns yy g- a��q x• �a Au v'a...µye w; S.' go k f j "3'' +"r,'G, >,.,,Ac. .,K.' g P ,check ptoces sing :,.•,+fat y}a�y�lt��p�SS' X9�y�{at aB `a8 vti $ wr+-�q1 £ �+•� �• g� g�qq '4Q;•�47 11p1'.t?..Wtr t'•�L..3CP.'� it ,'..'. .• f'.k �v:.o.r# 3E: 3�O t tte nt '%r.7"mod t -..;::•ateriR*nt��'..:x:$.0:“;;':i40- rleptfrOng O»•<. y #tk•_' :. },�>_ .s iF bY: a nl w..;' w. Ofrye"5.a.,:M y 3.q'+i.:.s your ba*S' is X3.100.1>.::q: :: ::: :;i:s•;. ;•i:Zyt:x. • „„t r SSf f 7? .NQirv. •.{jai.;:}}. 4•:?T:��r::•':�: Clop boxes payment centefs chtck F { i gu re 12 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 .4 0 LIP Morgaii Proposal to City of Round a • 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 - o 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 processingmust be transmitted ltt to the City for the update of the nt, receivable file. Yes, can provide as requested/required. E No, cannot provide requested/required. 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 4.rd 41 mob,...ii: i 'ior . .n Proposal to City of Round loci POST NO CHECKS * The City requires the fraud protection feature or service that prevents checks being presented for payment to e posted to the accounts from which checks are not issued. Ei Yes, can provide as requested/required. El No, cannot provide as requested/required, Comment: We will continue to provide the City our post no checks block service to guard your accounts.This service blocks all checks from your J.P. Morgan depository account or account used for electronic debits only. 12. FUNDS AVAILABILITY- The City requires, at a minimum, same day credit for all transactions su mitted before 4:00 . , subject to the bank's availability schedule. Yes, can provide as requested/required„ No, cannot provide as requested/required„ Comment: Deposit Cutoff Times Cash Deposits Branch Deposits Times vary by location,but are typically between 5:oo p.m.and 6:0o p.m.local time. Branch Night 7:30 a.m.local time. Drop Deposits • Select branches offer a second opening in the early afternoon.Deposit cutoff times are clearly indicated on the face of the each depository,as required by law. ATM Deposits ii:oo p.m.CT. • Deposit cutoff times are clearly posted at each ATM. Vault Our Austin vault has the following cutoff times: • Cash-Only Deposit:8:00 p.m.CT • Mixed(Cash and Check):3:oo p.m.CT • Check-Only:3:oo p.m.CT Check-Only Deposits Remote Deposits • Image Cash Letter • Standard:9:oo p.m.CT with availability based on endpoint. Paper Check • Paper Check-Only Deposits:Must be received at the check processing facilities by Deposits 4:oo p.m.local time to receive same-day ledger credit.Availability is based on endpoint. Page 4 s ,. Y J .. Proposal to City of Round loci Deposit Cutoff Times Electronic Deposits 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 5:0o 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. Yes, can provide as requested/required. Li No, cannot provide as requested/required. 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 $5,000.00. 71 Yes, can provide as requested/required. L I No, cannot provide as requested/required. 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. Page 43 I 1) ()17(ralli - Proposal to City of Round loci a 3 15. ACCOUNT ANALYSIS - The City requires account analysis statements ments y 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 applies to No Fee"or "Fee Waiver"applications. tions. Yes, can provide as requested/required. ; No, cannot provide as requested/required. 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 . 4 1) Mo Proposal to City of Round Dodd 16. BANK STATEMENTS - The City requires that statements be rendered within five 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. . e , 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. El No, cannot provide as requested/required. Comment: The City will receive monthly account bank statements for each account from the bank.J.P. Morgan's 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. Page i\/iorgan. Proposal to City of Round loci • 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. Cheek and 1)eposit Slip 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. ACCESS Online offers paid check images with a number of viewing functions(i.e.front and back, zoom) .....N.r:.Yi�.Y......n ....... ..... .. ...... ..{ .:c. fi. ^Y\.. �:c: r.•.. ...�FR'�.'br`. r.�;..:..........:..rr:'R,Y...v:.{.3....Y:...r:.f r}...:..:.,• ...:Y,.Sr::..::........:Y.rA.:..: Y r.nn Y.h.1i.r.:Y,.., :+rv�...:.:.:r..:3.....r.:-::-:..:....:::.......... :.. .. 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Ss :::rr:,}r-::fC, .................:.................................................................................................................................................................................................................................,.............................. ..\ n#. �;5}... ..S5ri t?��{...h.N..:..........................................................................................................:...............:.............................................................._........:..........................................................:..............................:.:::::.:.:�::::::.�::::::::::::::::::::::::.:::,:.�.+2..4.t,. ....r.t'....•�.....9.f:�::rf..53.:..nt.. .:f:.Gr.•}�3................:...� • LIMA_' : $$ 410 _S; .:7:TY.:y*$}f **oared Do tors an a e WO •.<H _ i k... y '. &13000 441****** 5 Figure is *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 1\4organ Proposal to City of Round loci 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. El No, cannot provide as requested/required. 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. 18. ACCOUNT SETTLEMENT- Settlement of the excess/deficient condition as 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 Operating Account. El Yes, can provide as requested/required. El No, cannot provide as requested/required. 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 to within three business days of the request. Yes, can provide as requested/required. L No, cannot provide as requested/required. 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 J.P .MOi1fl Proposal to City of Round loci 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. ❑ No, cannot provide as requested/required. 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. 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"("RFI "), and the City's Investment Policy. EA Yes, can provide. Li No, cannot provided 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.We have provided information on other accounts that the City may consider. LS/Int, tit SW'AL pS Asa 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 $106 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. Proposal to City of Round loci • 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. Sweep Options Exposure The specific MMF selected;see prospectus. Rating" Sweep Type End-of-day and intraday. • Last transaction of the business banking day. Timing • Intraday—i hour prior to fund close. • The morning of the next business day. Return of Funds • Intraday—only when DDA balance falls below target. Interest/Dividends Dividends accrued daily paid monthly based on 365 day basis. • U.S.corporations/entities must invest in U.S.-registered funds. i 4 • Non-U.S.entities may be available to invest in Offshore funds subject to applicable Restrictions/Comments laws,rules,and regulations. • See prospectus for Fund details. E�E *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 wnI...lybrid.lybridD.i.)A 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. Proposal to City of Round loci J.P. Morgan's Checking with Interest account provides a unique option of either paying interest on i00% 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. 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 provide account balance audit confirmations to the i ' audit firm annually at no charge. El Yes, can provide as requested/required. No, cannot provide as requested/required, Comment: We will continue to provide account balance audit confirmations to the City's audit firm. 23. BALANCE ASSESSMENT- Applicant must state how the FDIC Insurance Assessment balances will be treated: (treatment must be reflected on the attached Bank Services Fee Schedule as well) El Fees to be waived. El Fees to e partially waived. El Fee to be, ed 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 5 y.., .1 ., £ d.fl Proposal to City of Round 'loci 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: Premium Assessment Fee Charge Rate x Monthly Average Positive Ledger Balance x(Actual Days in Month/Actual Days in Year) 24. RESERVE REQUIREMENT-Applicant must indicate whether or not a reserve requirement on balances used in calculating earnings credit is required. LI Yes. Z No. 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. 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J:: "'X•: ,.?:T..�:A.xin ...n. .:;•.r... n.r..:.r.r,::.:..:.r.:r:::.n}......nx..:....n n.......:......k....,..n.:...........................v.r::::x::::::::-v-.:::::::.+w::Rr..r..r.•n•.vr�v:;�ti�:}33t}}:v':}}i:::::.w::::r:v:w :3 :: :v:::::i':n::•... .. FS � Jvi::mxxr:x}i33n'4i;..>}n.Yn..:. ., x...r pt• n,�F„�. ........x::r..:.r.v:r.v.vn•:::::::::::nv::::::::::::::..vnvv:::xx.uv:xxnw:::.v.r...n..•.,,..n::::::::x:.v::x:nw::n::.v:rn ":': The following services are optional and may be considered by the City for award; please indicate the applicant's ability to provide the services as described and the associated set-op, maintenance and/or per item processing charges: R SANK PROVIDED ATM — The City may consider installation of a bank provided ATM for employee and public use. Li Yes, can provide. 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. 2. INTEGRATED DI T SERVICES — The City may consider different levels of outsourcing for its disbursement function including, but not limited to, check printing and distribution. Yes, can provide. 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. . . •: ::i n-e Check Print . 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 Page 52 or :f Proposal to City of Round loci equipment and unnecessary overhead associated with printing checks or remittances ad`ices. 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 . O (. Proposal to City of Round hoc 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 1 4, fs.. . -. Proposal to City of Round load Check Print Services—Process Flow .{ ) ? ,»y r q. ,:/ .}x... r,fty �.:�r,);,N�5Y.. 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II, is :...... - �fc„:—•vc c ,.•.wn.,c2»:.{, F t 1 { If f ::, !! ii;±:. ..,:::s,,,,,,--i:,,,,,,,, • "fc,3, ,•. ..: „,. x.,,,$•t}'3 •7f:: ,a 5 r r: .„<,.::,..,.,„,,:.,:.::<<„, ., ;,i:.i." ,i :c I mY 3 F i g `e 14 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, Proposal to City of Round roc 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. 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 ice , if so, how would it e billed? I] Fees e waived. • Fees to be partially waived; billed through analysis. • Fee to e passed in full to the City; billed through analysis. • Cannot provide. Comment: J.P. Morgan recommends keeping the same process in place with your courier service as we do not provide ground-based courier services for the pick up and delivery of domestic paper check or cash deposits. 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 l e City of the checks presented for payment and the City may select the items to e honored. 71 Yes, can provide. El No, 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 . P._\ltifgafl Proposal to City of Round 'lad S. 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 securities 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 physical delivery services required to support investment activities. Necessary controls will be negotiated with the Bank. Confirmation of trades must be provided to the City within one (1) business day. 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. El No, cannot provide. Comment: 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 101 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 J,P1Orafl Proposal to City of Round Foci 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. Proposal to City of Round lad 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. 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 g `ee . The requirements of the Securities Clearing and Safekeeping er .ce. relationship are described above. Your response to this item will serve as your proposal to offer the services. Ell Yes, can provide. No, cannot provide. 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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 et value equaling at least o 0/0 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 ending ledger balance is to be used as the basis for calculating the required collateral pledge, in order to minimize e 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 ending ledger balance. Yes, can provide as requested/required. t No, cannot provide as requested/required. Comment: 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 will pledge securities in the amount of 102% of the prior day ending ledger balance. 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. LI No, cannot provide as requested/required. Comment: J.P. Morgan,through its National Collateral Management Group ("NCMG"), employs a bank developed Corporate Collateral Management System(COAST), Page JJ4orga.n Proposal to City of Round or 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 ED 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. A pplicant must provide the name of the proposed independent custodian as well as any related fees. Z Yes, can provide as requested/required. Li No, cannot provide as requested/required. 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.. N'i or In Proposal to City of Round 'lad• 4. COLLATERAL SUBSTITUTION -Any substitutions of the pledged securities will be performed as provided for in the City's Investment Policy. E Yes, can provide as requested/required. E No, cannot provide as requested/required. Comment: 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. E Yes, can provide as requested/required. L No, cannot provide as requested/required. Comment: 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 I Description CUSIP Par Value Current Face Value Market Value Maturity Date Ei Yes, can provide as requested/required. N No, cannot provide as requested/required. Comment: The Federal Reserve Bank does not provide market value. Except as noted,the bank will provide the City a monthly pledged securities report. 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.— (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 I 1, 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, . Page 62 ) 4,0*cm - Proposal to City of Round lad 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 committee, and (D) has been, continuously from the time of its execution, an official record of the depository institution 7� Yes, can provide as requested/required. moo, cannot provide as requested/required. 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 J. .. MOri1fl Proposal to City of Round loci. -Korteir---enifsoppoommoveamotomogiwoomommommoomitessoliamsosswaposomommonsoopeosii imew,,,"Aigoma,.:*g.,v,sa.oe,,,,,osomwmomewowgwdwo.zvqov,gtmooa,Axv,m,00kg,,,,,,,00:A.ommok.,vttmtm,oims,,,,,,,,,,ommoowao.pm,, im-,;:v.m,,,,,,...,k,,,:owe,,,,,,..00mwmgmoomosobmpotantoutoomotts,,,::0,wommommoNtammfamogosinvotemskookommetamerms,001 ,:::,:,...,..,0,,,„„m„,,,,,,,,twoosa.ogskat.o.:0A-0-"""0"0:440gwoossotokuosespossomomegumpeammomatonammosontagnammon WISSOprealliimpilituloritervillfritmewaritaitensininevintiningainsiseionointioning 111 it :11 rk 1111V.‘ 11 14: r:::::4,:11111111.11111111111111111111.111111.1111110 11010110111114001010111111101111111111111111111111161011111:111.1111010111011111000000danal mostiMiOnstasealsomonnumonsepolowelimpospORMIValsoloptilppilltfitiltintinpiplEMPOP MalifilliallitallennignallantallinerallEIROOSIMM00011001101011010010001100111110110.: The Public Funds Investment Act, in conjunction with the 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. ci Yes, can provide as requested/required. U No, cannot provide as requested/required. 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. 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 collateral in excess of FDIC insurance limits must be supplied to the City prior to CD settlement. Zi Yes, can provide as requested/required. LI No, cannot provide as requested/required. 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 P Mori-Yan Proposal to City of Round nor 3. INVESTMENT ACCOUNT-Applicants must provide a descriptionthe bark' best "hard ollar"interest earning option. If a sweep option is ro, ose `, applicant must confirm its compliance with Local Government Code Chapter ter 2256, the "Public Funds Investment Act"($ ° " , and the City's Investment Policy. *Yes, can provide, [ 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 tit) Morosa ._,.-...............--„ ..................., „..............„.,..,.., ..."„..............,.....,...,.., .......,....,..... .....,..,.....,,..„, .,...,....,„.,.......,„..........,,.. .......mmeekAmkhon,, •,,.:,,,g,,,,:,:::,,,...,:,,,.....5„,::,.......,:,,„,,,:: I 1'2' r Round City of Proposal to ....,..:.:,:.:..„.:.:.::,:,,,„,",„„„num.!!!77. . .. ••••„•:,••••:••:„.:,...„:.,,,.:,::::::::sepolimin ..:-n-:%:-N-,:.:.,,,::.„.,,„:::::.::.::::::-*::'"''-• • .....,.:,,,,,00lguili„,„-- .,..: .....":„,„,,edistiniothattinutionsamissmita,m-- overdraft end to nethavea shall be .......--, 1 ii. :14:',::: 0 11-4.411101111101111111Stimm"" intend net overdraft not b ..........:,:,,,,,wkiavt-N .„Lis vils,:..::::;:,•,,,,AiNteemitaNtinglitStalltiftw— City not A of the agreement.accounts iris•-46'1:,"1!::114#11111111111111111111111111*:; _ The does nts collectively, imvelipai*Riliiiiitaiikelom-• .F t..-- -tv's 111.11111100,101.10*,,...,.OVERDRAFT during ---ftitoelows-• lima- NET occur ,. ve balance 1. position a negative 1- Rea - as account. usage. defined. . ._ al act.; liquidity individual . • a-daYOnline. Li No, N Yes. ''..-1 the tecrem in the Ci ,,,, Comment: et - • available presented for he t tion isshall be accounts,Manager re netted • forma sha collective . g All client accounts a transaction in or chckcsitys co./ s Accounting overdraft to _ance and tra event a ci!eck funds,i,r1 the citY1--- of the •ness day Comm_ Real- time balance NOTIFICATION -there are insufficientpromptly or other exceeding on her for tracking NOTIFI---here tue agrees tt(3'°telephoneg period not 2. payment 7 applicantperson, by City a per a dt Pr-vide , notifye.xinniterilansA:C_EenSbS business as successful signatory -de the L sUC provide condition. ,, ri No,. cannot other d P. confa the or an tothe e_uired 1 ondition, d rectify estedir q shall following- respond an provide as requested/required. . the lu" n N-7,1 yes/ can „wired. draft condition occur, net over Should a shall be Comment: - Shou • overdraft STIPULATIONS ,, requested/required. days the ove • sr"- of king ,81‘Tn limit +3% 3. apply: number -- ban Pi'- overdraft: Prime Maximum num amount of the overdraft: overdn, position, • m amou computed s, allowed:1 day Maximum overdraft Interest rate Per annum The fee for_ on a per- occurrence Comment: City is in (OD) rate. be assessed • that the overdraft may ; se variable on the allowance, daily credit • e Collected charges a earnings (Negative J.P. Morgan offset by an follows: .00%. be is as which can basis. FeePrime plus 3 Balance . is . . a negative collected cted balance Should a situation an eurrence ' Collected overdraft rate oc_ for Negativedays.The ove The formulaaD Rate)/36° Balance x - -rill - -1 \I orgc - 1 1:' " . .--- . ,,,,, — Page 66 Proposal to City of Round lael . . REGULATION NOTIFICATIONS_ The successful applicant shall notify the City in writing within thirty 0 days of any changes in federal or state regulations, or laws that would affect any agreement resulting from this tF�tr Eg Yes, can provide as requested/required. ❑ No, cairnot provide as requested/requirer . 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. . INCOMINGWIRE TRANSFERS- Notlftcat on of rncomrng wire transfers shall be made by telephone, fax, or email to the 'ity'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, ❑ N , cannot provide as re quested required. 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. age 67 1 P Morgan Proposal to City of Round roc 3. RIGHT TO CANCEL UNDER FEDERAL 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 RFA or any resulting agreement, then the City expressly reserves the right and privilege to cancel the agreement and to re-solicit applications. L Yes, can provide as requested/required. No, cannot provide as requested/required. Comment: 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. El No, cannot provide as requested/required. 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. 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. L No, cannot provide as requested/required. 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 P L ty iOUy11i Proposal to City of Round loci 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: ht : ]www. : e, r ten. /darn/ cornie orn n rci - i m n ...1- .1- - ou tt- . :ip ge.pd f • Sample Product and Service Terms and Agreements: htt ://ww 9chase ; mi rt tid m a r comr r .i - r k r s . .- 1-c K - ems€ -prod ct- er c -t r s- sample-packageffor-gaph„Of Page 69 ..,JPMoraan Proposal to City of Round roc 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. Depending on the outcome of this RFA for a primary Depository Bank relationship, would the applicant consider entering into an agreement for a secondary relationship? Yes, can provide as requested/required. El No, cannot provide as requested/required. Comment: B. RIGHT TO TER ` A E - The City expressly reserves the right to terminate 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. LI Acknowledged. Comment: TERMS FIXED - All fees, rates, and conditions shall be fixed for the entire term. Yes, can provide as requested/required. Li No, cannot provide as r°equested/reuired. Comment: 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 Name Title Phone Relationship officer Larnell Camus Executive Director (512) 479-272o 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 7 0 :.: P I .P a n Proposal to City of Round loci 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. Proposal to City of Round Larnell Canus sf Role Executive Director r 4 ,f 221 West Sixth Street,Floor 2 ,{ t f Address { ' { Austin,TX 787or • ; Phone (512)479-2720 4 d { Fax (512)479-2814 4 S: 4. y f 6 { j4� @JP g Y � ��� Email larnell.camus mor an.com Responsibilities Larnell will continue lead the City's banking team focusing on the quality delivery of our services. She will: s 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 al 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 IP organ Proposal to City of Round loci Andy Sowa Role Treasury Management Officer Address 1020 North East Loop 410,Floor 1 San Antonio,TX,78209 Phone (210)829-6149 ? a Cell (210)262-2787 • Email andy.sow a Ca) €€:organ. € 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 73i.E J.P.i Proposal to City of Round Foci Maria Arreola Role Client Service Associate Address 712 Main Street,Floor 4 Houston TX 77002 Phone (713)216-0260 Fax (713)216-0410 +)'S S y,J Y j i : , 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: a 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 a 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. 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The objective shall be to address any problems and to seek solutions as well as keeping abreast of changes, new services, or new requirements. E Yes, can provide as requested/required. L No, cannot provide as requested/required. 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. a MUiifl Proposal to City of Round roc 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. *Y 's, can provide as requested/required. El No, cannot provide as requested/required. Comment; 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. 3. 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: CITYOFR€FNlbkb!t "F" SEPTEMBER 2016 AFP SERVICE DESCRIPTION VOLUME UNIT PRICE SERVICE CODE ($) CHARGE($) ACCOUNT SERVICES 010000 ACCOUNT MAINTENANCE 6 5.000 30 . 010020 CASH CNTRN BACKVALUE SVCS 5 0.000 - 010020 CASH CONCENTRATION MAINTMASTER 1 0.000 - 010021 CASH CONCENTRATION MAINT SUB 5. 5.000 25 010100 DEBIT POSTED-ELECTRONIC 177 0.030 5 010101 CREDIT POSTED-ELECTRONIC 460 0.030 14 010307 STATEMENT CYCLES 6 4.000 24 1500ZZ POST NO CHECKS MAINTENANCE 3 1.000 3 BANKING CENTER SERVICES 10004A BRANCH ORDER CURRENCY STRAP 14 0.350 5 100040 BRANCH ORDER PROCESSED 7 0.000 - 100044 BRANCH ORDER-COIN ROLL 881 0.070 62 VAULT SERVICES 100100 VAULT DEPOSIT 231 1.000 231 100110 VAULT DEPOSIT ROLLED COIN 6 0.200 1 100111 VAULT DEP PARTIAL OR MIXED BAG 12 3.000 36 100114 VAULT DEP NON STD STRAP-NOTE 9,717 0.03 292 100501 VAULT DEPOSIT ADJUSTMENT 6 5.000 30 100520 VAULT DEPOSIT ADJUSTMENT NOTIF 4 5.000 20 DEPOSITORY SERVICES 10101 CREDITS POSTED 224 0.050 11 100200 ICL DEPOSIT EARLY 21 1.000 21 100210 ON-US STANDARD 26 0.025 1 100210 FILE TRANSMISSION REC.-VPN 21 6.818 143 100210 ON US PREMIUM 866 0.050 43 100214 IMAGE GROUP ONE 2,818 0.025 70 100214 IMAGE GROUP TWO 1,113 0.025 28 100214 IMAGE GROUP TWO-TIER 2 1,420 0.025 36 100220 CHECK DEPOSITED-ON US 82 0.110 9 100224 CHECK DEPOSITED-TRANSIT 756 0.150 113 100230 DEPOSIT CORRECTION 1 5.000 5 100400 RETURN ITEM 6 2.000 12 100402 RETURN ITEM REDEPOSIT 16 1.500 24 100419 RETURN-EMAIL NOTIFICATION 6 1.000 6 999999 IMAGE QUALITY SUSPECT ITEMS 12 0.250 3 999999 NON-CONFORMING IMAGE ITEMS 1 5.000 5 Exhibit "F" DISBURSEMENT SERVICES 10100 CHECK/DEBIT POSTED 180 0.050 9 10112 CONTROLLED DISB FUNDING 42 0.250 11 150000 CONTROLLED DISB ACCT MAINT 1 0.000 - 150030 EXCEPTION NOTIFICATION-ACCT 3 0.000 - I50110 CONTROLLED DISB CHECK POSTED 470 0.050 24 150410 STOP PAYMENT-ELECTRONIC 6 2.000 12 150412 STOP PAYMENT AUTOMATIC RENEWAL 3 2.000 6 150501 CHECK CASHING NON-ACCT HOLDER 7 0.000 - 151351 IMAGE STORAGE PER ITEM 651 0.020 13 151710 CHECK INQUIRY MAINTENANCE 3 0.000 - 200306 RECON REPORT/STATEMENT MAINT 3 0.000 - RECONCILIATION SERVICES 150030 POSITIVE PAY MAINTENANCE 3 0.000 - 150122 PAYEE NAME VERIFICATION 547 0.030 16 150300 EXCEPTION ITEM 6 2.000 12 150320 CHECK EXCEPTION RETURN 1 20.000 20 151351 IMAGE CAPTURE PER ITEM 651 0.010 7 151353 CD ROM-PER CD (1) 1 25.000 25 151353 CD ROM MAINTENANCE 1 0.000 200010 FULL RECONCILEMENT-MAINT 3. 30.000 90 200110 FULL RECONCILEMENT-PER ITEM 650 0.030 20 200201 ISSUE INPUT FILE WITH RECON 11 5.000 55 200301 OUTPUT FILE 6 15.000 90 WIRE-U.S. 350100 ELECTRONIC FED DEBIT S/T 16 2.000 32 350124 ELECTRONIC BOOK DEBIT SIT 1 1.000 1 350300 FED CREDIT S/T 8 2.000 16 350320 BOOK CREDIT 1 1.000 1 AUTOMATED CLEARING HOUSE 50030 ELOCKBOX MAINTENANCE 2 10.000 20 50300 ELOCKBOX TRANSACTION RECEIVED 6,912 0.050 346 50311 ELOCKBOX TRANSACTION REFORMAT 6,912 0.030 207 250000 ACH MAINTENANCE 3 0.000 - 250000 JPM ACCESS ACH MAINTENANCE 2 0.000 - 250100 DEBIT ORIGINATED 4,635 0.030 139 250101 ACH DEBITS\CREDITS ORIGINATED 3,431 0.03 103 250120 ADDENDA RECORD ORIGINATED 19 0.000 - 250200 DEBIT RECEIVED 81 0.030 2 250201 CREDIT RECEIVED 364 0.030 11 250302 RETURN ITEM 10 1.000 10 250400 RETURN NOTIFICATION-EMAIL 10 0.500 5 250501 ACH BATCH/FILE PROCESSED 15 5.000 75 251050 DEBIT BLOCK MAINTENANCE 6 0.000 - 251051 ACH ADA AUTHORIZED ID 22 0.500 11 251070 NOTIFICATION OF CHANGE 2 0.500 1 251070 NOTIF OF CHANGE-EMAIL 2 0.500 1 259925 ELOCKBOX FILE PROCESSING 21 3.000 63 RECEIPTSTREANUENH REC SVCS 300524 R$EDI RPTG SUM REPORT 136 0.000 - 300524 EDI DETAIL REPORT-JPM ACCESS 188 2.000 376 JPMORGAN ACCESS Exhibit tttt 40044Z ACCOUNTS REPORTED 8 15.000 120 400610 MONTHLY SERVICE 1 0.000 - 40066Z TRANSACTIONS REPORTED-45 DAY 1,119 0.050 56 40066Z CONT DISB CHECKS REPORTED 482 0.050 24 40066Z EXTENDED TRANSACTION DETAIL 4824 0.000 - WSS OTHER FEES(2) 459999 FEES-ACCOUNT MAINTENANCE 1 625.000 625 PREMIUM ASSESSMENT FEE 000230 PREMItTM ASSESSMENT FEE 19,600,000 2,123 TOTAL MONTHLY CHARGES 6 085 SUPPLIES(3) TAMPER PROOF DISPOSABLE BAGS 0.000 SELF-INKING ENDORSEMENT STAMPS 0.000 CARBONLESS DEPOSIT TICKETS 0.000 TOTAL OTHER CHARGES - EARNINGS CREDIT(4) FORMULA/RATE BASIS Avg.Coll x ECR x#of days in mo./#days in year CURRENT RATE 0.40% AVG COLLECTED BALANCE 19600000.00 LESS RESERVE REQUIREMENT 0 INVESTIBLE BALANCE 19,600,000 ESTIMATED MONTHLY EARNINGS 6 533 PREMIUM ASSESSMENT FEE(5) FORMULA/RATE BASIS Avg.Ledger x rate x#of days in mo./#of days in year CURRENT RATE 0.13% AVG COLLECTED BALANCE 19600000.00 ESTIMATED MONTHLY EARNINGS 2,123 LESS:MONTHLY SWEEP FEE 0 ESTIMATED NET MONTHLY EARNINGS 2123 Notes: (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 Proposal to City of Round "iogri' .:..„. ... ., .... ..... ...„. ...... .,,................ ..:.,:....1..........".................................:...............:.....:.......::..."......".........:77::.::....:....::.......:::.....,..,..::::::::::::::::::::::,:„.:.::::::...,:::7:::..i.„:77...:7,,7,:,,,:,,:.,:::77,7,..:!:,,.,.,i,,,!!! llgE.,!1!.[:Etillifillii,ssiiiilia112,5%.1:,.!.:.,iiiiiiiutilleiiisigtiiiiiiiiiiigagitsoluillitillimi,.3111112111magiong::ii,„:1!:;:gg::,ag;i1ggigilligillumgilialtieliiiiiimiliguat:ilitzhig," (ALL ATTACHMENTS MUST BE RETURNED WITH RESPONSE- PLEASE ATTACH IN THE ORDER LISTED) 1. ACCOUNT 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. Balance and Compensation Analysis Section .::" AC:COUNT AALYSIS,STA I WENT PAGE,Of.1 F.QR JANUARY Z014 .,) ..:.'• 414:,:k,:«Og C:t.,.AI:RAW Yi A OttAl.,.0f.A.i:.;.0.400 90090000W)00M)... ,e4.:A K:tiAt'4 .I; :07: 01",*11 C Mt A:,:,I.: .X.MA:,i LAPISTAN 4:, ,., I ..: IsAkANCE ANO COMPPLIATION..AMALYSS I f.:APNotA AA:',.0i.V.A.W.f:RAI g: IX WA lil £FP OWE DISCRIPTION tt•t:,t,,..:i.z-g=rz it sox 1 .41oq „..,,.:.„,AX, a . .....,:i$i.X.40 it .AVERAG:t:Pi..04.?3143414.3, • 1 . ,0,0: AVtgAAC I NE,.:CM:L.:CCU:0 0Af,ANKI :,....,:.:€40, 0•,::..*.) POSMM:',"4..t.t.C1'CO ...,.. 5,,, 0..W ,:,.., ,f4.: 1. II4 Ni040 ,,,Ve310.41 f r''i.t.AW.* ,,,cXk tXX, i:,,,,, .,,r4, . ,X..e.WY 0,..., tOla.t. .. t.N.1,:kft.:,ii#1V IV C1::,::,,, 1.S. XX XX XX'XX -14a; 44.4 ti ,,:,,x,:t,o t.x.cts.s61:ptif,ca,,',4V3:41,ILE VA,. • XX 0 XX 0 .:::::: ::11 ir 4:XXWAI BAL C>::Y$4,1:4452,0;...f::: 1 OXV 4-t E*.GESSIDEF,Ca,f AMONG ALL.OW XX.XX XX XX 11 ::::pc.:,i,4 ..,,ft:Ftvx-..:t..A:.•,,,Ao(..0:Am.:x..041 xx xx xx x.Y. 1 .,,................................ ...... .. . . ......... ... . .. . .. ... . ....„............................,..................................................................................................................................................................................................................................................................................... . . ... . .!. F i g u r e i 5 Page 80 ,II:).Mor(Tan Morgan ... Proposal to City of Round ;ail' Activity Summary Section .r.: AtXXXJN r.AVkLY$1$VATINENT f,,,,i0E.Z 0,,, f,OR. TAW Y.2014 LI ACI.MST'.. Me 0140X011 Z34*7110 P4.10.114.,.,C110,404TE. 62410,4 OtTAtLOr 04..,COU4T00Q.P9000000124444?..$1 !.1 • ::: • :11.. .. .1.:.: • Act MT Y SUMMARY RAW XP . • .,, stwo,ct $ERVI,CE. UNOT SEMOCE ; CA LANC E FEE O.X SE.0 11•1 PROOOCT LSE ASV NISCXPT€ON . CODE COM i Meta) ,s'OLUME CfiXAGE 3:. : E=0,..:3VALEN/:tS) CAAROE S.lik MXXXXI SA,.3}:87ICES •„ • 1.0:;.f.,X,: XX)0ii,. •.... VATIEAtteit CYt.:.4.t:•4 , .41.4,0 , 3,0:X0 ; XX..XX .:,,,, :0(1;X•, XX.X.X li A 40k3 C0,04,04,A1X,f4 ; 0,0741 : OIEW/0 i XX XX , ,,)E:a; .:,..4.3.Z;;`,4; XX.XX • i Ili: ,SLOP,OTAL, • XXXX.1 444 :,.• • '::•!!' f'..gkit:X.4 TAXI4EXfA Vitift*S i ; :, ' Pt. REPEITTIVIE7 0471114XITKIN$,TORAtif ::: ,Y3A010 • 31X.$63 ; XX;XX $ ::..! ,!...--....----.-----...- ----,-.-.------... , ••..i! upsTosk. xx..xx, 4: 1,: :.• :::i? irikkM4AN ACCEEE :. •• Af.',E;EXINT fot Ant•*'AAA.KMAX. 1 OtWil ,WAW.,...:, - XX XX Z'.:: XX XX li XM:,..11,5' XX XX •,:s' •• VSEP vet F Et 06,,r, 40).6,4 ' XX.XX: 2': "AX....XX;:: 00 XX•:XX 11 •RET ACCESS NIONTH,LY TUN,' .: :0:7IE4 . ,1401.4 I 03,43 - 14 XX.XX: XXXX 11E:i. 1' 0344 • 11: KlETAW*SSE:V:WENT Mt : .•• • ti. 44E:kof70A A:3f,K3434HT rEt ; $XX,14 XX...:',00, : XX.XX; 4.0E4A),00:: XX.,XX:: 2:•;1,,*ie, X..XX :::•!:::.• ::...................................................4...................................... ... ...: .. .;:,..s SOSTOTAt. XXXX Z.:f.,,X30, • I.,:, -'0 W A4,.Iftt•li*StE)CMAKiES 'XiMi0 XXIX 34,43 I 11M COUreftIABLE SW4C c#,Anli ,X,M1 vt.,xze xx„xx ',... 1.1•:, I VAL EEMYklit,Tat VERVIGIC C:PREES :X4,,,k,kV XXIX 34.41 •;.::.:,.: ::,:'.i: Figure to ......_ • Relationship Balance Compensation History Section ,.....,..,:v...ttx.,,...r.4 46.0.i?..V* •:::':::: ACCXXIN:t ANALYSS STATEMENT PAM:-3(1)4::: ii:.1 MR Ilk:WARY ZO1 4 ACC4X.041, 0.:::(0.,t1X-XXV:%4$4TVO N,:'i. )...P'Morn :P.X?:,K,',,Tret OXII:' ',,:,:',.*:•••.X.” :„..., pti•An.QF AccouNT 000 004iT300000123446189 31 il 1'1 144 L A T A).14Sirt4.V AL A NOE OEMPENSA3014#147044 V ril ;:i.::]: •. *1MAM A fLX,ESSi ON .MAWt E.gik.X.kk,,khwA Sr 1P4441 414304 kt "44PO DCM •*, 1 DGER CfttlCTE0 4VVVL mo * Niou ASIOWAPCt EARkAkke$ 4fIi13 ! 1 VAL/AM ANCA f CAAACIS glIt *4CANC 3470444 .:'.,'.;•.••:•':, .0.0. t P i:S} ,..$) 34 ‘t, ,,,,* ,:li, '''' 01, :,•::::: ::,'.,:i ..:.,,,,, ::,:.,•:::,...K, :,,,,,:,,,,,,, ',,,,,:::.:,,.., •,:..x.A:A. ck:.x, ',.,,,,:',... ,.:,..:.: :0,:X ,:,.8.,.: I ,..,,, . . • ' •- • - • - AM-.•NOY ,...,.,,,,,,, 1.01.44* 0 XXV( ••.1: )(XXX :.: :..., i'•:: li:1 = ie 1:1.i.. ........... ., , if. ...,.....;,....,. , .......0, •4.., • ! ;C:4 1 ':',' i M•Re*ft•': ::•:' • ,:: :Ii. ll't Figure 1" Page 81 J.I I)N .o 1 . . ar." ,,, Proposal to City of Round loci 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-8111 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. Interest Bearing 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 3,Ana sis 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. Pace. 82 Morrc 'in- ‘,4L t„,„ Proposal to City of Round loci 3. SAMPLE COLLATERAL AGREEMENT. The sample collateral agreements have provided on the following pages. Potle 83 J.P.Morgan Exhibit "F" Instructions for Completing a Pledgee Agreement & Authorization List Please retain a blank copy of the Pledgee Agreement for future use and a 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") • 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 replacing. • A Pledgee Activity statement will be sent to you as notification that a substitution has been completed. • Select NO to approve each and every individual transaction. • 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 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 accommodate 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 02210 Attn:Wholesale Operations/Joint Custody Or fax toll-free to: 877-973-8972 If you have questions or require assistance,please call a customer support representative:800-327-0147, option 4. You can view Operating Circular 7 at the following web address: www icesoot ti n oCi re ui a rs1pdt:/Uc7.pclf Rev 01/2006 Pledgee Agreement Form Exhibit "F" To: Federal Reserve Bank of Boston Tel: 800-327-0147,Option#4 600 Atlantic Avenue Fax: 877-973-8972 Boston,MA 02210 Attn:Wholesale Operations/Joint Custody Date: We,the agree to the terms of Appendix C of your Operating Circular 7, dated August 19,2005,as it may be 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): 11 NO (Instructions required for III YES(Standing approval) each withdrawal) 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): Three-party call-back al 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: Print Name: Title: Fax: Signature: Date: Telephone: Print Name: Title: Fax: Signature: Date: Telephone: Print Name: Title: Fax: Signature: Date: REV 01/2006 Pledgee Agreement (page 2 of 2) Exhibit "F" Telephone: Print Name: Title: Fax: Signature: Date: The Undersigned hereby certifies that he/she is the present lawful incumbent of the designated public office. Pledgee Name of governmental unit Street Address or P.O Box Number City,State,Zip Code Official Signature/Date Printed Name and Title Notary State of County of On this day of 20_ before me personally appeared to me personally known or satisfactorily proven,who by me duly sworn,did depose and say that he/she resides at ,in the City of , in the State of ,that he/she is the [Title]of and that he/she executed this document on behalf of before me. (Signature of Notary) (Print name of Notary) My commission expires on [Date] REV 01/2006 FEDERAL Federal Reserve BankInternal FR R E s E R r E ' ' t t t't t (Upon receipt by the Federal Reserve Bank) Joint Custody Service Federal Reserve Bank Use Only J Request Form Due Diligence Verified: FI NA:1( IAL. S E R '/ I C E S Initials: PLEASE TYPE FORM,PRINT,&SUBMIT(handwritten forms may delay FRBservices.org processing) 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 FRBserv€ces.orq/requlaticns!o eratine cif c lars.h tmi.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 Provide the 4-digit alpha-numeric account number(s)below that are listed as"institution ID"on your statement. Numbers) 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 Custody Request Form Section 3- Service Description liSotvkwsmnnnlrBIBMIMWIWCEIEIEEIMEEEIEonnsm,EnBEsuBEEnnio-Eag 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* Phone one Extension Please submit this form to the Customer Contact Center at: Email: ccc.coordnatorskc,frb.orq 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 "F" APPENDIX C: 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. 1.0 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) Applicable 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 2.1 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. 2.2 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 Exhibit "F" 2.3 Under the ApplicableRegulations, e security 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 3.1 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. 3.2 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 4.1 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. 4.2 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. 4.3 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. 4.4 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 5.1 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 payn Ii• : k'I4 the interest payments in a non- interest-bearing account until co lected in accordance with Paragraph 6 of this Appendix. 5.2 The Bank may hold principal of Pledged Securities that mature or are called for redemption in full in a non—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. 5.3 On the day a Pledged Security that is an Amortizing Book-Entry Security is to be paid off, the Bank shall debit the Pledgor'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 a non—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 Pledgor's Master Account under this paragraph and recredit that amount to the Pledgor's Master Account that same day. 6.0 COLLECTION OF PLEDGED SECURITIES AND PROCEEDS 6.1 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, tohjMdThn the books of this Bank or another Reserve Bank. 6.2 Promptly after receiving such certifications and instructions, the Bank will make the transfer instructed by the Pledgee. 6.3 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's declaration of the Pledgor's default or of the underlying pledge or security agreement between the Pledgor and the Pledgee. 7.0 PROHIBITED ACTS 7.1 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 8.1 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. 8.2 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) I3} �i1i%nMtF1t' , call, exchange offer, or the like, a ecting theledged 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. 9.0 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. 10.2 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. 10.3 If, by reason of a merger or otherwise, a Pledgor'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 "F" 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 Proposal to City of Round loci 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 01 n Exhibit "F" James A.LaFleur Managing Director Chief Technology Controls Officer Rohan M.Amin Managing Director Chief Informarion 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 Informarion 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 principles: - The foundation of the Program is a set of 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 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, in whole or in part,for any purpose other than as expressly authorized by JPMorgan Chase.All services •i I.)Mt}R(.;A (.:1IA1: 4 3, 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" Areas of Focus Key areas of the JPMC Informarion 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 firm-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; ••..•...•.•..•..•..•••.••.•••,..•.••••....•.••...•...•..•.....•.....••....•...•.•••••••....•.•••..••.••...•.••••••••.•.•.•••...••..•••••••••.........•••..•...•...•......••••••...•.•.•..•••.•....••..•....•.•.••••........•.•....••••..•...•..•...•••..•••.••.••••...•••.....•..••••••••••••.•..•••..•••••.•••••••.••••.•••••••.••••.•.•..•••...••••••••••••.••••••••••.•••.•.•••••••••.••..•..•..•.••••.••.••••..•••..•.•••••••••.•••••••...•..••.••.••.•.••...••.•..•...•.•••..•..•••..• Copyright©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, 2 Iin whole or in part,for any purpose other than as expressly authorized authorized by JPMorgan Chase.All services , I- �"[t}rZ t��1 1 CHASE c'ti 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 Investigarions(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. 5. 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©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 authorizedj authorized by JPMorgan Chase.All services I.)��(�R.(.;A N C S `�-(..;�) i 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" 7. Risk Assessment As part of the Information Security Program,there are processes in place to inventory and protect certain asset classes for Personal Informarion,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 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, i in whole or in part,for any purpose other than as expressly authorized by JPMorgan Chase.All services , P MO e A N C 1 11S C 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 The JPMorgan 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. .! 2/, • • James A.LaFleur Rohan M.Amin Managing Director Managing Director Chief Technology Controls Officer Chief Information Security Officer ........•.•.....•.•.•.•..••••,.•••••.•••••.•••.•••.•••.•..•.•..•••.•••••••.•...•.••.•.••••••.•••....••.••••••••••••.••.....................•.....•••••.••..•••.....•••.•..•••.••••••.•••••..••.•••.•.•••.•.••••.•..••••....•.••••••••••.•••••••••••••••••••..•••••.•••••••••.•.•••..•••••••.•••.•..•••..........•.....•....•..•••.•..•••.••••••.••••..•••..••••••.•••...•••••.••.....••.•••••..••.•••.••.••.•.••.••..•.••.••.••.•••..••••..•.••..••••••.....••••.•.....•.••..•••••...•.•..• Copyright©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, ) in whole or in part,for any purpose other than as expressly authorized by JPMorgan Chase.All services •'� . }K{;,:�� V.`1iAL� (y_(..; 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. Proposal to City of Round "loci 5. TECHNOLOGY SPECS 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. Technical Requirements for J.P.Morgan ACCESS Online Supported Operating System and Browser Requirements As of November 14,2oi6 . , z .„......... ........_,......,.. .......t. _...._.1 Home V V V V V V V V Reports V V V V -V V V V Payments V V V V V V V V Statements V V V V V V V -V Administration V V V V V V V — V ____• Checks T V V V V V V FX V V V V V V V V Loans V V V V V V V V Support&Community V V V -V V V -V --I - — ACCESS Insight V -‘,/ V V -V V Mobile Setup -V V V V V V V V Virtual Branch^ V VA VA V [ V V . - #Certified with Windows 8.1 and io. IT Certification as of July 23,2016. ^Virtual Branch is certified on Chrome versions 47 and 51. Note:The browser must allow cookies to be created and retained on the workstation. Page 102Si, ) M . - Y'''' - t,.....i 0 I (- till Proposal to City of Round 'loci. Technical Requirements for J.P.Morgan ACCESS Online Supported Operating System and Browser Requirements As of November 14,2016 . ' ••••••,-!,-,....---: I •„.•••••„„..„.„...„. ,...._,........•„„..... ••,.,•• , , •. ,... ACH File Warehouse* V V* V V V V V V ACH Services U.S.* V V* V V V V V V Corporate Quick Pay -V V V Funds Transfer Administration¶ v v V V v v _..... - - eServe V V V V V V ° Global ACH1 V V V V V V V — - - Global Trade Transactions V V V V V V Host-to-Host Online .., (new) V V V V V V V V Host-to-Host Onlinet V lit V V (legacy) — - Liquidity Solutions& Administrationt V Vf Vt V V V Receivables Edge§11 V V§ V§ V V V Security Administration V V V V V ,... V Third-Party Screening Utility* V V* V V V V V E # Certified with Windows 8.1 and io. * ACH Services U.S.and TPSU are also certified on Adobe Reader v12 and Firefox v39.ACH File Warehouse is also certified on Firefox v39. t Host-to-Host Online(legacy)is also certified on Firefox v37. $ Liquidity Solutions&Administration is certified on Firefox v43,49 and Chrome v42,47,53. § Receivables Edge is also certified on Firefox v37,v4i and Chrome v42,v45. Note:The browser must allow cookies to be created and retained on the workstation. Page 103 ) ' ' - '-4, - 4,-. - „J..1..N/1.0,1 cisi ,,,, Proposal to City of Round loci Technical Requirements for 3.P.Morgan ACCESS Online Supported Operating System and Browser Requirements As of November 14,2016 Other •Adobe Reader:Acrobat Document Cloud(DC)2oi.o16.20039 is recommended.Version ii and DC Software 2015.010.20056 is also supported. •Adobe Flash Player:Version 22 is recommended.Versions 18,20 and 21 are also supported. •Compression software(e.g.WinZip,SecurZlP for Windows)may be required to export reports and files. •Microsoft Excel 2010 for export of reports data using"CSV Unicode"format is recommended.Microsoft Excel 2013 is also supported. •Note:Adobe Reader and Flash are available on the J.P.Morgan ACCESS download page. Workstation •Memory:4 GB RAM or higher is recommended,2 GB RAM minimum. •Disk Space:Recommended:loGB free space available. •Monitor:128oxio24 resolution or higher,16-bit color or higher is recommended.1o24x768 resolution, 256-color minimum. • 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 cafe. •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 •Apple iPhone,iPad and iPod touch mobile devices,iOS 7.o 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,*.acctmanagement.com,*.jpmacontent.com Page 104 MOrgali Proposal to City of Round loci 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 Nlorcean :7y Proposal to City of Round 'loci 7. SAMPLE SAFEKEEPING REPORT Sample monthly safekeeping report of the City owned securities, if offered. A sample safekeeping report follows this page. Pge 106 J.Pi Oran krn, This Page is too large to OCR • • • 4 Se Metrc,tech�t�r � • • Account Number Close Of Business Exhibit "F" 10/31/16 Account Title FOOTNOTES AT THE CLOSE OF BUSINESS 8KOJN ABOVE WE HELD THE FOLLOWING PROPERTY FOR TIM ACCOUNT ZlODICATSD F 1,000,000.00 FEDERAL HONE LOAN MORTGAGE CORD NOTES 3134G3S50 1 .6250 11/01/2016 FIXED .625% O1/NOV/2016 USD 1000 DATED nnTs: 10/18/12 F 2,000,000.00 FEDERAL HOHE LOAN MORTGAGE CORP CALLA 3134G458 2 .8500 12/12/2017 BLE SEDIVM TERM NOTE FIXED 0.B5g6 12/D EC/2017 USD 1000 DATED DATE: 06/12/13 F 1,000,000.00 .FEDERAL HONE LOAN MORTGAGE CORP NOTES 3134G6YC1 2 .6700 05/30/2017 FIXED .6795 30/MAX/2017 USD 1000 DATED anus: 04/27/15 P 2,000,000.00 FEDERAL N7ITIOD7AL MORTGAGE ASSOCIATION 3135G0N23 2 .8750 08/28/2017 NOTES FIXED O.875 28/AUG/2017 tSD I ODD IMTan aATa: 07/20/12 F 2,000,000.00 FEDERAL NATIONAL MORTGAGE A880CIATIOIJ 3135GOPQ0 2 .8750 10/26/2017 NOTES FIXED 0.875% 26/OCT/2017 USD 1 000 DED DATE: 09/24/12 F 1,000,000.00 FEDERAL NATIONAL MORTGAGE ASSOCIATION 31.35G0RT2 2 .8750 12/20/2017 BOND FIXED .8T5'4c 201DEC/2017 USD 100 0 DATED I1ATSa 10/30/12 F 1,OOO,O0000 FEDERAL NATIONAL MORTGAGE AS30CI1►TION 3135G0VN2 2 .7500 03/14/2017 CALLABLE NOTES FIXED .754s 14/MAR/201 7 USD 1000 DATED DATE: 03/14/13 F 1,000,000.00 FEDERAL NATIONAi. MORTGAGE ASSOCIATION 3135GOZB2 2 .7500 04/20/2017 NOTES FIXED .75% 20/APR/2017 USD 100 0 DATED DATE: 03/10/14 F 1,000,000.00 FEDERAL HONE LOAN MORTGAGE CORD NOTES 3137EADH9 2 1.0000 06/29/2017 FIXED 1st 39/JUN/2017 USD 1000 DkTED DATE: 05/14/12 F 1,000,000.00 FEDERAL HOME LOAN MORTGAGE CORD NOTES 3I37EADLO 2 1.0000 09/29/2017 FIXED 1 29/SEP/2017 USD 1000 DATED D1►TSa 08/10/12 TOTAL E9ARRET VALUE 0.00 w TomAr. UNITS 33,112,000.00 TOTAL NUMBER of HOLDINGS - as EXPLANATION OF CODES: M-MEMO ENTRY It-SPECIAL ITS'! NOT IN OUR POSSESSION C-TEMPORARY CLEARANCE D-DEP08ITORY TRUST COMPANY l-lEDBRAY. BOOK ENTRY L-LOAN L6-LONti OPTION 80SITZOIQ SR-SHORT OBTIODT BOSITION DP-DTC PLEDGE 88-FBE PLEDGE P-8TC 8I #� R�CS�CR fiC 1'1i� D�SC7rAI ,$ A'!` '1'� 1C�iD dF 29iZ$ 1tEP�SRT FQR P"�A' IATB'DliP43lTtf7�. .,i.. .. :.. .- ... •.y:. ... _ .:..' is : ...:...:.... ..: i :.: "F" Account!dumber Close Of Business Exhibit Account Title Disclaimer )larket values and exchange rates re obtained from sources which J.P. Horgan believes to be reliable but have not been verifiesd and are for the exclusive use of the customer. J.P. Morgan snakes 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 canzolete. J.P. Morgan will not be liable for any loss or diunage arising out of the inaccuracy of any suth information or customer's reliance thereon. Assets reflected as 'held e1s+ ere°, *memo', "utemorandvne or "blue sheet" may not be hld in custody by J.P. Itorgan and may not be 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 HHD, BRL, Cam;, COP, XNR, KRW, KWD, KZT, 1WD, UAH, vEr., XOF and ZWD are held in accounts in the cliaat's name with the subeustodian and are payable by the subcustodian only. Clients should contact their Ae1at f onsbip Manager for any questions related to thi s, Reports customized or edited by customers may nat reflect all assets or transactions. Copyright J.P. Morgan Chase & Co. 2009. All rights reserved Proposal to City of Round { 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. 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 SAveeps 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 $106 million in its global liquidity platform to deliver a broader selection of capabilities, more reliable service, and a consistent client experience around the world. • Convenience.J.P. Morgan's automated investment sweeps can provide convenience and greater investment efficiency. Funds are automatically invested directly from the City's account based on flexible investment parameters that you set-investing all or part of the City's daily balances. • Transparency.We expanded our electronic banking platform with J.P. Morgan ACCESS Liquidity Solutions that helps clients like the City actively manage global liquidity, reduce risk, and improve coordination across enterprises.J.P. Morgan ACCESS Liquidity Solutions provides real-time visibility into cash positions globally and monitors daily cash movements to increase transparency and control of the investment sweep process. The City can use the breadth of our services, reputation, and financial strength and stability to help build upon the efficiency and value of your own cash management operation. Below please see a detailed breakout of sweep investment options available to the City. 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J 3.. ..... .........Y..........'rr.7...........:....,..... { ...... ........,Y ..-:v::... .. .......:..v n;.k'tc2r;}' ,:.:`:.ti':'`:6,;,;",Y:::;:::;'`•} .... . . ...... .. ..............................3........<.. ................,..... .i:t.i:2{.Y}}Y`:::Gr`+;;•:x`.:+;Y::FY:22<:,.?.r.Yi:.:. .................n......,........................... .n.. .......v........r.....:::n•.�.,,4:::.L`a•:::....,.�::;•:::•::,.:•::.::.};.:.............:.,-::nt-•:.•,:,;o•::::.::.b.,:,,Y:4]•:4>.,..::...:::.::;:....:. .::r::}•.G.$`.,�., .... ... ... .. .. ........ .... .... v.........,......:. v....n .} .... i:.:i.:.�)•'}YY::��.::${.Y.i::�::i'�::il��v}:j':'{j�4.;..:...;.... . .............. .. J..... .\..... ... ..:::.......J „,L::•.,:•:..v...........r.. ..:$:•:..{.:}i+}�{•�:;::.?i:i!-YYY::t:�:::v�:::"�:fi �y: .................. ............................\...,v}.......{...,....rJ................... ...... .:.....{..........1.'............... Y:js:2v2:FYi'�i)::F:ii>i;ii}ii:R)::. .......... ... .... .......J..........,................<r. .t. .., v...J J::.:::.::..vJ::::..♦ aY.�r''k�A;t ..:tin.:•Y.:::.i::viY'�)}•.::i::.;:;?:;n,':r. \.,}• Exposure mm The specific MMF selected;see prospectus. Rating* Sweep Type End-of-day and intraday. • Last transaction of the business banking day. Timing • Intraday— hour prior to fund close. • The morning of the next business day. Return of Funds • Intraday—only when DDA balance falls below target. Interest/Dividends Dividends accrued daily paid monthly based on 365 day basis. • U.S.corporations/entities must invest in U.S.-registered funds. • Non-U.S.entities may be available to invest in Offshore funds subject to applicable Restrictions/Comments laws,rules,and regulations. • See prospectus for Fund details. 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. InterestBearing .Accounts — hybrid i)DA 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 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,with balances above the threshold earning hard dollar interest. Interest accrues daily and is paid monthly. Page Ill P N'1OrgUi Proposal to City of Round loci 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 1 ��t (Tali Proposal to City of Round loci r. 9. SUMMARY BUSINESS C 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 sin-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 JPMor 'ari. Proposal to City of Round loci 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 P \lor(rc n Exhibit "F" J .P. MORGAN CORPORATE Et INVESTMENT BANK BUSINESS RESILIENCY SUMMARY .°i 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. _f. ,.r �rr ,..r ©2016 JPMorgan Chase Et Co. All rights reserved. Exhibit "F" 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, test dates and results are classified as "company confidential" and cannot be disclosed or shared with external entities. For informational purposes, this document provides an overview of the Business Resiliency planning, testing and implementation approach in place for J.P. Morgan's Corporate ft Investment Bank line of business. 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 ,„„ x-• interruption. The corporate planning standard requires that the recovery strategies are .z� 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 J.PMorgan 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. A part 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) N 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 facilitating or impeding efficient business operations) .„, • Political Risk (e.g. likelihood of state or non-state political actors negatively affecting 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 or indirectly affect business operations in a country. Terrorist acts may include bombings, murder, hostage-taking, attacks using chemical, biological or radioactive agents, and use of non-conventional weapons, or threats of attacks) JP,Morgan Exhibit "F" U Travel Risk (e.g. the threat posed to travelers and expatriates by political violence (including terrorism, insurgency, politically motivated unrest and war), social unrest (including sectarian, communal and ethnic violence) as well as violent and petty crime. 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. J.PMorgan Exhibit "F" 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: I Notification Testing: Assure the accuracy and completeness of call tree information is maintained through organizational changes. • Walkthrough: Familiarize the business unit or support group staff with the plan and their role in its execution. This validates that the resiliency plan incorporates all critical processes and helps to identify gaps or other weaknesses requiring remediation. I 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 Et 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 ri that are specific to their needs taking into consideration the business model, location .•...•• strategy, operating assumptions and key dependencies. The program stress tests existing J.PMorgan Exhibit "F" 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 U Damage assessment of facility, technology and work-in-progress • Evaluation and impact of established service level agreements • Communication with key support providers and customers U Recovery of work-in-progress U 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 JPMorgan Exhibit "F" number of clients impacted, the Firm may use direct telephone calls, conference calls, e- 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. U 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 work-around 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.PMorgan Proposal to City of Round loci s, s „ s 1 1 F List of at least three (3) comparable references and current Texas Public Funds clients, including total number of collateralized Texas Public Fund clients. City of Georgetown Contact Name: Lorie Lankford Title: Asst.Finance Director Address: 221 East Main Street,Georgetown,TX Phone Number: 512-218-3295 Email Address: liankrdPpyruhirocktgexas.gov Years of service provided: 6 Years Reference Name City of Austin Contact Name: Belinda Erwin Title: Assistant Treasurer Address: 700 Lavaca 9th Floor,Austin TX Phone Number: 512-974-7885 Email Address: Bel ncia,erwi NY a tisti texas,vv Years of service provided: 5 years Reference Name Leander Independent School District Contact Name: Dana Paulson Title: Comptroller Address: Box 218,Leander,TX Phone Number: 512-570-0068 Email Address: Dana TaulsotiLleaticicris(1 org Years of service provided: Since 1975 The bank currently has over 200 Texas Public Fund clients collateralized. Page 122 ‘,J.1).1\4or(Ya,t71 Proposal to City of Round cap 11. SAMPLE FIRREA COMPLIANT DOCUMENT. A sample copy of applicant's FIRREA compliant document that clearly shows that the applicant'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. 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 123 1 'lorgan Proposal- to City of Round loci „:aw„.#111111101141111 .911111111161000INKNItal •••••'• 'MPREING1111111.****2 r:10**%,;-,tUita ....,..„,„fsenSONNIONNSIMVIEWAtekhiN5A74:: 100"NAV", • 115111110111111111•114014.11111k " " '7M111"1"11111601141111111,111*1161.11A:. PPMIIIIg•t"trllteCllthdnllb"M""''' 1.1t 1:17 1 Schedules Organization 4" Availability Appendix 1. Certification By Business Appendix 2. Letter '- Page 124 J. N/10r46.1(11Yan Exhibit "F" till:). 1.* Availability Schedule January-16 Exhibit "F" 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 evalug 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 30Exhibit 1 t 1 xhibit "F" ....„:„,...„,..,.:,..„,„,:.. ...,: ...„,......„...„,,,......,:z„........... ..... Routing Transit Number(s) Description Availability Fraction See"On-Us"Tab On Us 0 100% See"On-Us"Tab On Us Controlled Disbursement 1 100% 0000-0020,0119,0800 Postal Money Orders 1 100°A° 0000-0050,0051 U.S.Treasury Warrants 1 100% 0000-9000 Savings Bonds 1 100°A° All Others Domestic Institutions 1/2 70%/30% CONFIDENTIAL ©2016 J.P.Morgan.All rights reserved. 1 of 1 Paper 301 Exhibit "F" 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 Exhibit "F" or' s . • Availability Schedule Jaunary 2016 Exhibit "F" 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 Exhibit "F" Routing Transit Number(s) Description Deadline* Avi Fraction JPMC See"summary"tab 10:00 PM 0 100% Chase CDs See"summary"tab 5:30 AM 0 100% Group 1 See"Group 1"tab 12:00 AM 0/1 95%/5% Group 2 Tier 1 See"Group 2 Tier 1"tab 12:00 AM 0/1 95%/5% Group 2 Tier 2 See"Group 2 Tier 2"tab 12:00 AM 0/1 95%/5% 0000-0020,0119,0800 Postal Money Orders 6:00 AM 0/1 95%/5% 0000-0051 US Treasury 6:00 AM 0/1 95%/5% 1214, 3214 Guam/Mariana Islands 2:00 AM 2 100% All others Domestic FIs 12:00 AM 1/2 95%/5% *Deadlines are Eastern Standard Time CONFIDENTIAL ©2016 J.P.Morgan,All rights reserved. Exhibit "F" Group 1 RTs 8,754 Group 2 Tier 1 2,714 Group 2 Tier 2 8,017 On Us RTs 38 Total Selects 19,523 Nationwide On Us RTs 0210-0002 0440-0003 0750-0001 11300767* 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 11192186* 3250-7076 0223-0017 0720-0032 1119-9377 0280-0012 0740-0001 1130-0060 Nationwide CD RTs 0213-0937 0311-0026 0719-2322 10200097* 0220-0084 0441-1544 0724-1292 107O0109* 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 Exhibit "F" Group 1 Total RTs: 8,754 Select Group 1 Transit Routing Numbers OOOOOO2O 0113-0260 0116-0062 0212-0160 0212-1401 0213-0881 0215-0222 0215-8321 0219-1382 0260-0284 0000-0051 0113-0261 0116-0077 0212-0163 0212-1405 0213-0920 0215-0223 0215-8324 0219-1386 0260-0292 0000-0800 0113-0274 0116-0086 0212-0231 0212-1406 0213-0928 0215-0226 0215-8327 0219-1407 0260-0295 0000-9000 0113-0276 0116-0102 0212-0244 0212-1408 0213-0973 0215-0228 0215-8333 0220-0004 0260-0302 0110-0002 0113-0283 0116-0110 0212-0397 0212-1409 0213-0999 0215-0230 0215-8334 0220-0086 0260-0324 0110-0013 0113-0307 0116-0117 0212-0441 0212-1410 0213-1032 0215-0234 0215-8335 0220-7269 0260-0326 0110-0127 0113-0309 0116-0123 0212-0459 0212-1416 0213-1040 0215-0238 0215-8336 0223-0268 0260-0327 0110-0133 0113-0311 0116-0126 0212-0523 0212-1418 0213-1046 0215-0266 0215-8337 0223-0278 0260-0335 0110-0172 0113-0332 0116-9260 0212-0564 0212-1427 0213-1059 0215-0272 0215-8338 0223-0293 0260-0355 0110-0196 0113-0386 0117-0042 0212-0589 0212-1432 0213-1071 0215-0273 0215-8350 0223-0403 0260-0378 0110-0233 0113-0428 0117-0108 0212-0607 0212-1435 0213-1138 0215-0275 0215-8353 0223-0461 0260-0404 0110-7515 0113-0447 0117-0110 0212-0624 0212-1443 0213-1152 0215-0279 0215-8357 0223-0577 0260-0409 0110-7520 0113-0451 0117-0128 0212-0627 0212-1449 0213-1343 0215-0280 0215-8359 0223-0625 0260-0422 0111-0161 0113-0520 0117-0131 0212-0658 0212-1452 0213-1388 0215-0291 0215-8364 0223-0652 0260-0429 0111-0213 0113-0526 0117-0142 0212-0667 0212-1457 0213-1392 0215-0293 0215-8365 0223-0678 0260-0430 0111-0235 0113-0533 0117-0166 0212-0694 0212-7270 0213-8264 0215-0294 0215-8377 0223-0681 0260-0462 0111-0261 0113-0682 0117-0190 0212-0699 0212-7274 0213-8457 0215-0297 0215-8414 0223-0684 0260-0472 0111-0266 0113-0710 0117-0198 0212-0700 0212-7279 0214-0546 0215-8266 0215-8416 0223-0696 0260-0480 0111-0312 0113-0711 0117-3602 0212-0701 0212-8354 0214-0791 0215-8269 0215-8417 0223-0760 0260-0482 0111-0413 0113-0712 0117-7510 0212-0702 0212-8393 0214-0859 0215-8270 0215-8421 0223-0782 0260-0486 0111-0419 0113-0715 0118-0248 0212-0711 0212-8396 0214-0870 0215-8271 0216-0605 0223-0922 0260-0532 0111-0428 0113-0717 0118-0538 0212-0715 0212-8397 0214-1133 0215-8273 0216-0606 0223-0923 0260-0541 0111-0433 0113-7516 0118-0714 0212-0735 0213-0057 0214-1315 0215-8274 0216-0611 0223-0935 0260-0548 0111-1055 0113-7527 0119-7522 0212-1005 0213-0066 0214-1338 0215-8275 0216-0621 0223-0961 0260-0561 0111-1070 0113-7538 0210-0008 0212-1007 0213-0067 0214-1360 0215-8278 0216-0658 0223-0968 0260-0590 0111-1073 0114-0001 0210-0032 0212-1011 0213-0068 0214-1372 0215-8280 0216-0667 0223-1012 0260-0591 0111-1075 0114-0003 0210-0103 0212-1305 0213-0091 0214-1412 0215-8282 0216-0669 0223-1042 0260-0600 0111-7521 0114-0014 0210-0108 0212-1309 0213-0111 0214-1428 0215-8283 0216-0674 0223-1111 0260-0623 0112-0047 0114-0113 0210-3120 0212-1317 0213-0255 0214-1434 0215-8285 0216-8378 0223-1302 0260-0744 0112-0140 0114-0185 0210-5205 0212-1318 0213-0264 0214-1442 0215-8286 0219-0244 0223-1402 0260-0768 0112-0143 0114-0187 0211-1092 0212-1321 0213-0288 0214-1445 0215-8287 0219-0247 0223-1433 0260-0777 0112-0149 0114-0193 0211-1096 0212-1330 0213-0347 0214-1446 0215-8290 0219-0647 0223-8353 0260-0780 0112-0150 0114-0196 0211-1180 0212-1337 0213-0361 0214-1469 0215-8291 0219-0680 0223-8375 0260-0792 0112-0152 0114-0206 0211-1293 0212-1339 0213-0467 0214-1482 0215-8293 0219-0731 0223-8398 0260-0799 0112-0175 0114-0207 0211-1312 0212-1341 0213-0538 0214-1493 0215-8294 0219-0797 0260-0021 0260-0804 0112-0176 0115-0012 0211-1319 0212-1344 0213-0557 0214-7303 0215-8295 0219-0827 0260-0112 0260-0807 0112-0199 0115-0072 0211-1320 0212-1346 0213-0599 0214-7309 0215-8296 0219-0852 0260-0128 0260-0824 0112-0239 0115-0085 0211-1325 0212-1348 0213-0654 0215-0201 0215-8297 0219-0930 0260-0142 0260-0834 0112-0290 0115-0091 0211-1366 0212-1349 0213-0705 0215-0203 0215-8298 0219-0934 0260-0146 0260-0843 0112-0291 0115-0102 0211-1411 0212-1350 0213-0709 0215-0204 0215-8300 0219-1083 0260-0159 0260-0853 0112-7525 0115-0168 0211-1415 0212-1352 0213-0716 0215-0206 0215-8302 0219-1134 0260-0184 0260-0855 0112-7530 0115-0170 0211-1448 0212-1355 0213-0752 0215-0209 0215-8303 0219-1136 0260-0189 0260-0865 0113-0107 0115-0171 0211-1477 0212-1359 0213-0755 0215-0210 0215-8310 0219-1139 0260-0205 0260-0875 0113-0139 0115-0174 0211-1478 0212-1369 0213-0771 0215-0211 0215-8311 0219-1241 0260-0255 0260-0877 0113-0153 0115-0175 0212-0001 0212-1371 0213-0839 0215-0213 0215-8313 0219-1292 0260-0256 0260-0880 0113-0199 0115-7523 0212-0002 0212-1389 0213-0864 0215-0215 0215-8314 0219-1362 0260-0261 0260-0886 0113-0211 0116-0006 0212-0033 0212-1394 0213-0867 0215-0218 0215-8315 0219-1363 0260-0275 0260-0890 0113-0252 0116-0048 0212-0057 0212-1398 0213-0878 0215-0220 0215-8319 0219-1365 0260-0279 0260-0912 Group 1(cont) Exhibit tti:;'tt O26OO914 0260-1492 0312-0784 0313-0833 0313-1660 0319-1892 0412-0880 0421-0241 0421-0826 0433-0752 0260-0955 0260-7292 0312-0785 0313-0853 0313-1681 0319-1894 0412-0930 0421-0251 0421-0827 0433-0784 0260-0963 0260-7300 0312-0786 0313-0854 0313-1696 0319-1899 0412-0948 0421-0255 0421-0829 0433-0827 0260-0964 0260-7306 0312-0787 0313-0855 0313-1763 0319-1901 0412-0978 0421-0256 0421-0834 0433-0842 0260-0967 0260-7308 0312-0788 0313-0878 0313-1778 0319-1902 0412-1033 0421-0257 0421-0839 0433-0846 0260-0970 0260-8262 0312-0789 0313-0906 0313-1849 0319-1906 0412-1037 0421-0259 0421-0840 0433-0869 0260-0976 0260-8277 0312-0791 0313-0912 0313-1853 0319-1909 0412-1044 0421-0265 0421-0844 0433-0963 0260-0986 0260-8347 0312-0792 0313-0925 0313-1857 0319-1912 0412-1094 0421-0269 0421-0852 0433-0971 0260-1005 0260-8424 0312-0793 0313-0934 0313-1867 0319-7598 0412-1160 0421-0271 0421-7447 0433-1013 0260-1078 0260-8458 0312-0794 0313-0944 0313-1869 0319-7620 0412-1214 0421-0278 0421-7450 0433-1149 0260-1082 0260-8460 0312-0797 0313-0949 0313-1870 0319-7626 0412-1243 0421-0294 0421-7451 0433-1166 0260-1089 0260-8462 0312-7599 0313-0950 0313-1871 0360-0098 0412-1289 0421-0323 0421-7452 0433-1237 0260-1094 0280-0103 0312-7604 0313-0958 0313-1874 0360-0201 0412-1370 0421-0325 0421-7456 0433-1238 0260-1148 0310-0004 0312-7612 0313-0968 0313-1875 0360-0206 0412-1387 0421-0334 0422-0185 0433-1325 0260-1170 0311-0014 0312-8921 0313-0985 0313-1876 0360-0217 0412-1550 0421-0335 0422-0213 0433-1444 0260-1174 0311-0015 0313-0013 0313-0994 0313-1878 0360-0237 0412-1555 0421-0336 0422-0268 0433-1484 0260-1178 0311-0016 0313-0056 0313-1020 0313-1880 0360-0281 0412-1560 0421-0346 0422-0412 0433-1514 0260-1188 0311-0020 0313-0101 0313-1021 0313-1890 0360-1888 0412-1562 0421-0347 0422-0493 0433-1544 0260-1192 0311-0038 0313-0102 0313-1050 0313-1897 0360-1891 0412-1581 0421-0382 0422-0548 0433-1556 0260-1196 0311-0055 0313-0106 0313-1051 0313-1904 0360-1896 0412-1585 0421-0399 0422-0642 0433-1625 0260-1216 0311-0063 0313-0211 0313-1055 0313-1927 0360-7621 0412-5124 0421-0416 0422-0650 0433-1694 0260-1248 0311-0064 0313-0222 0313-1159 0313-1929 0360-8931 0412-7227 0421-0423 0422-0657 0433-1850 0260-1271 0311-0087 0313-0251 0313-1163 0313-1932 0410-0012 0420-1584 0421-0440 0422-0680 0433-1879 0260-1313 0311-0092 0313-0252 0313-1167 0313-7601 0410-0068 0420-7454 0421-0446 0422-0737 0433-1881 0260-1316 0311-0096 0313-0273 0313-1177 0313-7608 0410-0101 0421-0014 0421-0457 0422-0800 0434-0005 0260-1322 0311-0109 0313-0277 0313-1179 0313-7610 0410-0295 0421-0086 0421-0485 0422-0855 0434-0196 0260-1327 0311-0111 0313-0286 0313-1180 0319-0109 0410-3601 0421-0100 0421-0515 0422-1072 0434-0322 0260-1329 0311-0112 0313-0297 0313-1187 0319-0203 0410-3605 0421-0117 0421-0517 0422-1157 0434-0444 0260-1334 0311-0116 0313-0299 0313-1202 0319-0204 0410-5290 0421-0126 0421-0519 0422-1205 0434-0464 0260-1335 0311-0121 0313-0309 0313-1205 0319-0240 0412-0132 0421-0127 0421-0544 0422-1256 0434-8704 0260-1345 0311-0122 0313-0312 0313-1210 0319-0276 0412-0181 0421-0140 0421-0548 0422-1338 0440-0205 0260-1347 0311-0123 0313-0313 0313-1212 0319-0287 0412-0244 0421-0147 0421-0578 0422-1384 0440-0290 0260-1357 0311-0126 0313-0430 0313-1219 0319-0439 0412-0251 0421-0151 0421-0588 0422-1546 0440-1145 0260-1367 0311-0127 0313-0518 0313-1223 0319-0779 0412-0281 0421-0155 0421-0592 0422-1556 0440-1554 0260-1385 0311-0132 0313-0537 0313-1226 0319-0807 0412-0298 0421-0156 0421-0594 0422-1557 0440-1574 0260-1391 0311-7611 0313-0593 0313-1228 0319-1233 0412-0359 0421-0157 0421-0633 0423-1052 0440-1586 0260-1396 0311-7613 0313-0596 0313-1239 0319-1443 0412-0472 0421-0167 0421-0658 0423-1165 0440-7224 0260-1399 0312-0136 0313-0627 0313-1279 0319-1854 0412-0473 0421-0175 0421-0742 0430-0084 0440-7229 0260-1419 0312-0391 0313-0699 0313-1283 0319-1856 0412-0592 0421-0179 0421-0759 0430-1900 0440-7230 0260-1421 0312-0399 0313-0712 0313-1287 0319-1863 0412-0595 0421-0188 0421-0760 0432-0294 0440-7231 0260-1424 0312-0534 0313-0742 0313-1375 0319-1865 0412-0613 0421-0201 0421-0765 0432-0587 0440-7232 0260-1438 0312-0626 0313-0760 0313-1450 0319-1866 0412-0687 0421-0205 0421-0767 0432-0829 0440-7233 0260-1440 0312-0642 0313-0765 0313-1470 0319-1882 0412-0734 0421-0216 0421-0773 0432-0943 0440-8454 0260-1450 0312-0765 0313-0768 0313-1476 0319-1883 0412-0842 0421-0227 0421-0775 0432-1116 0441-0174 0260-1455 0312-0767 0313-0769 0313-1500 0319-1884 0412-0871 0421-0228 0421-0780 0433-0509 0441-0252 0260-1458 0312-0781 0313-0770 0313-1503 0319-1885 0412-0873 0421-0233 0421-0785 0433-0685 0441-0264 0260-1459 0312-0782 0313-0825 0313-1526 0319-1887 0412-0874 0421-0235 0421-0812 0433-0691 0441-0397 0260-1462 0312-0783 0313-0830 0313-1554 0319-1889 0412-0877 0421-0240 0421-0815 0433-0750 0441-0557 Exhibit "F" Group 1(cont) 0441-0581 0514-0283 0514-0567 0515-0132 0515-0442 0531-0045 0531-1241 0532-0213 0532-0817 0550-0356 0441-0638 0514-0293 0514-0573 0515-0135 0515-0443 0531-0072 0531-1242 0532-0220 0532-0819 0550-0358 0441-0639 0514-0295 0514-0690 0515-0144 0515-0445 0531-0128 0531-1243 0532-0224 0532-0826 0550-7344 0441-0760 0514-0296 0514-0729 0515-0145 0515-0448 0531-0134 0531-1245 0532-0228 0532-7398 0550-7353 0441-0777 0514-0297 0514-0883 0515-0154 0515-0449 0531-0168 0531-1246 0532-0230 0532-7409 0550-7358 0441-0807 0514-0298 0514-0889 0515-0164 0515-0450 0531-0211 0531-1247 0532-0231 0532-7411 0550-8029 0441-0933 0514-0304 0514-0890 0515-0167 0515-0453 0531-0281 0531-1248 0532-0232 0532-7413 0550-8041 0441-0941 0514-0346 0514-0891 0515-0172 0515-0459 0531-0364 0531-1249 0532-0235 0532-7415 0550-8043 0441-1155 0514-0358 0514-0892 0515-0176 0515-0460 0531-0486 0531-1250 0532-0259 0532-7422 0560-0315 0441-1248 0514-0364 0514-0893 0515-0177 0515-0462 0531-0505 0531-1252 0532-0287 0539-0119 0560-0317 0441-1471 0514-0367 0514-0894 0515-0181 0519-0039 0531-0593 0531-1253 0532-0321 0539-0587 0560-0444 0441-1576 0514-0371 0514-0901 0515-0182 0520-0063 0531-0679 0531-1255 0532-0428 0539-0604 0560-0462 0441-7228 0514-0376 0514-0906 0515-0187 0520-0077 0531-0730 0531-1256 0532-0548 0539-0808 0560-0507 0442-0103 0514-0377 0514-0907 0515-0208 0520-0177 0531-0764 0531-1257 0532-0665 0539-0818 0560-0514 0442-0207 0514-0381 0514-0908 0515-0214 0520-7351 0531-0987 0531-1261 0532-0669 0540-0005 0560-0516 0442-0246 0514-0385 0514-0910 0515-0215 0520-7356 0531-1037 0531-1263 0532-0673 0540-0132 0560-0525 0442-0437 0514-0393 0514-0913 0515-0217 0520-8025 0531-1063 0531-1265 0532-0674 0540-0151 0560-0536 0442-0514 0514-0395 0514-0914 0515-0220 0521-0046 0531-1115 0531-1266 0532-0678 0540-0153 0560-0537 0442-0647 0514-0400 0514-0915 0515-0228 0521-0054 0531-1157 0531-1267 0532-0687 0540-0155 0560-0678 0442-0787 0514-0404 0514-0916 0515-0229 0521-0069 0531-1167 0531-1268 0532-0689 0540-0160 0560-0884 0442-0851 0514-0416 0514-0917 0515-0231 0521-0074 0531-1169 0531-1270 0532-0696 0540-0162 0560-0887 0442-0893 0514-0423 0514-0918 0515-0239 0521-0093 0531-1170 0531-1271 0532-0705 0540-0164 0560-0888 0442-1006 0514-0432 0514-0920 0515-0243 0521-0098 0531-1181 0531-1273 0532-0710 0540-0168 0560-0896 0442-1191 0514-0438 0514-0921 0515-0247 0521-0101 0531-1183 0531-1275 0532-0711 0540-0169 0560-0903 0442-1213 0514-0446 0514-0922 0515-0248 0521-0166 0531-1192 0531-1277 0532-0712 0540-0171 0560-0923 0442-1226 0514-0454 0514-0930 0515-0249 0521-0193 0531-1198 0531-1278 0532-0716 0540-0174 0560-0924 0442-1292 0514-0460 0514-0932 0515-0252 0521-0195 0531-1203 0531-1279 0532-0721 0540-7363 0560-0935 0442-1389 0514-0464 0514-0940 0515-0259 0521-0222 0531-1204 0531-1280 0532-0733 0540-8021 0560-0947 0442-1552 0514-0468 0514-0941 0515-0262 0521-0251 0531-1205 0531-1284 0532-0737 0550-0125 0560-0950 0510-0501 0514-0469 0514-0956 0515-0264 0521-0290 0531-1207 0531-1286 0532-0739 0550-0171 0560-7349 0510-0550 0514-0484 0514-0957 0515-0266 0521-0306 0531-1209 0531-1288 0532-0761 0550-0215 0560-7361 0510-0882 0514-0490 0514-0960 0515-0274 0521-0359 0531-1211 0531-7404 0532-0790 0550-0236 0560-7365 0510-0899 0514-0491 0514-0962 0515-0285 0522-0192 0531-1213 0531-7405 0532-0793 0550-0240 0560-8012 0510-0936 0514-0493 0514-8531 0515-0288 0522-0193 0531-1214 0531-7410 0532-0794 0550-0250 0560-8034 0510-0964 0514-0509 0514-8543 0515-0291 0522-0222 0531-1215 0531-8550 0532-0796 0550-0257 0570-0069 0510-7403 0514-0511 0514-8544 0515-0305 0522-0304 0531-1220 0531-8561 0532-0797 0550-0272 0570-0141 0510-8542 0514-0518 0514-8552 0515-0310 0522-0370 0531-1221 0532-0050 0532-0798 0550-0299 0570-0197 0514-0104 0514-0527 0514-8565 0515-0314 0522-0400 0531-1222 0532-0066 0532-0800 0550-0313 0570-0468 0514-0115 0514-0532 0515-0048 0515-0316 0522-0435 0531-1223 0532-0098 0532-0802 0550-0321 0610-0366 0514-0121 0514-0539 0515-0052 0515-0321 0530-1066 0531-1224 0532-0103 0532-0803 0550-0329 0610-0378 0514-0207 0514-0540 0515-0060 0515-0332 0530-1208 0531-1227 0532-0174 0532-0804 0550-0333 0610-0481 0514-0214 0514-0543 0515-0096 0515-0349 0530-1219 0531-1231 0532-0182 0532-0805 0550-0334 0610-1022 0514-0220 0514-0544 0515-0103 0515-0355 0530-1226 0531-1232 0532-0185 0532-0806 0550-0336 0610-1950 0514-0223 0514-0545 0515-0113 0515-0390 0530-1258 0531-1233 0532-0186 0532-0807 0550-0339 0610-1967 0514-0237 0514-0547 0515-0115 0515-0429 0530-1264 0531-1235 0532-0195 0532-0809 0550-0340 0610-1974 0514-0251 0514-0549 0515-0116 0515-0431 0530-1276 0531-1237 0532-0198 0532-0810 0550-0341 0610-1977 0514-0255 0514-0551 0515-0121 0515-0437 0530-1283 0531-1238 0532-0206 0532-0815 0550-0345 0610-1997 0514-0258 0514-0552 0515-0125 0515-0438 0531-0030 0531-1240 0532-0211 0532-0816 0550-0348 0610-2019 Exhibit "F" Group 1(cont) 0610-2078 0611-0336 0611-0791 0611-2012 0611-2107 0612-0355 0612-1142 0612-2131 0621-0427 0622-0285 0610-2079 0611-0339 0611-0816 0611-2015 0611-2109 0612-0364 0612-1143 0612-9145 0621-0429 0622-0291 0610-2086 0611-0340 0611-1038 0611-2017 0611-2110 0612-0365 0612-1144 0612-9173 0621-0439 0622-0298 0610-2094 0611-0345 0611-1040 0611-2018 0611-2112 0612-0375 0612-1147 0612-9243 0621-0452 0622-0301 0610-2097 0611-0353 0611-1055 0611-2020 0611-2113 0612-0377 0612-1172 0613-0334 0621-0465 0622-0307 0610-9201 0611-0354 0611-1065 0611-2021 0611-2115 0612-0405 0612-1180 0613-0436 0621-0524 0622-0323 0610-9205 0611-0356 0611-1122 0611-2022 0611-2116 0612-0419 0612-1187 0613-0859 0621-0533 0622-0326 0610-9269 0611-0369 0611-1125 0611-2023 0611-2118 0612-0438 0612-1193 0613-0893 0621-0549 0622-0328 0610-9294 0611-0373 0611-1139 0611-2024 0611-2124 0612-0446 0612-1196 0613-0922 0621-0552 0622-0329 0611-0060 0611-0384 0611-1162 0611-2025 0611-2126 0612-0458 0612-1199 0620-0011 0621-0562 0622-0330 0611-0102 0611-0387 0611-1165 0611-2027 0611-2134 0612-0461 0612-1200 0620-0120 0621-0571 0622-0333 0611-0103 0611-0390 0611-1202 0611-2029 0611-9143 0612-0463 0612-1205 0620-0360 0621-0572 0622-0339 0611-0110 0611-0392 0611-1203 0611-2033 0611-9149 0612-0465 0612-1217 0620-0633 0621-0577 0622-0351 0611-0112 0611-0399 0611-1209 0611-2034 0611-9170 0612-0470 0612-1223 0620-0635 0621-0578 0622-0357 0611-0117 0611-0408 0611-1236 0611-2038 0611-9193 0612-0473 0612-1224 0620-0638 0621-0598 0622-0363 0611-0119 0611-0412 0611-1239 0611-2039 0611-9240 0612-0485 0612-1225 0620-0649 0621-0603 0622-0367 0611-0133 0611-0413 0611-1245 0611-2042 0611-9242 0612-0490 0612-1227 0620-0650 0621-0612 0622-0370 0611-0141 0611-0418 0611-1247 0611-2043 0611-9248 0612-0491 0612-1238 0620-0670 0621-0625 0622-0371 0611-0170 0611-0420 0611-1253 0611-2045 0611-9251 0612-0497 0612-1242 0620-0671 0621-0652 0622-0381 0611-0177 0611-0422 0611-1259 0611-2047 0611-9274 0612-0525 0612-1251 0621-0103 0621-0663 0622-0385 0611-0178 0611-0431 0611-1278 0611-2049 0611-9275 0612-0527 0612-1268 0621-0121 0622-0044 0622-0387 0611-0179 0611-0440 0611-1283 0611-2050 0611-9283 0612-0584 0612-1272 0621-0125 0622-0048 0622-0389 0611-0192 0611-0448 0611-1284 0611-2051 0612-0104 0612-0593 0612-1281 0621-0126 0622-0104 0622-0391 0611-0198 0611-0451 0611-1296 0611-2052 0612-0123 0612-0601 0612-1282 0621-0145 0622-0109 0622-0393 0611-0203 0611-0459 0611-1301 0611-2053 0612-0159 0612-0642 0612-1286 0621-0158 0622-0110 0622-0394 0611-0219 0611-0464 0611-1310 0611-2054 0612-0167 0612-0643 0612-1298 0621-0188 0622-0127 0622-0395 0611-0233 0611-0482 0611-1328 0611-2056 0612-0175 0612-0645 0612-1300 0621-0193 0622-0134 0622-0396 0611-0240 0611-0484 0611-1338 0611-2057 0612-0185 0612-0668 0612-1304 0621-0203 0622-0144 0622-0399 0611-0243 0611-0487 0611-1943 0611-2058 0612-0186 0612-0681 0612-1306 0621-0209 0622-0153 0622-0400 0611-0244 0611-0489 0611-1946 0611-2062 0612-0197 0612-0684 0612-1315 0621-0221 0622-0159 0622-0402 0611-0250 0611-0492 0611-1947 0611-2063 0612-0202 0612-0689 0612-1316 0621-0239 0622-0163 0622-0410 0611-0252 0611-0494 0611-1949 0611-2064 0612-0237 0612-0698 0612-1324 0621-0244 0622-0164 0622-0412 0611-0254 0611-0495 0611-1953 0611-2067 0612-0238 0612-0783 0612-1957 0621-0259 0622-0170 0622-0413 0611-0255 0611-0498 0611-1954 0611-2068 0612-0241 0612-0812 0612-1958 0621-0271 0622-0172 0622-0415 0611-0259 0611-0523 0611-1960 0611-2073 0612-0245 0612-0815 0612-1969 0621-0272 0622-0177 0622-0417 0611-0262 0611-0553 0611-1963 0611-2077 0612-0253 0612-0833 0612-1983 0621-0284 0622-0184 0622-0423 0611-0266 0611-0567 0611-1966 0611-2080 0612-0257 0612-0933 0612-1989 0621-0316 0622-0199 0622-0434 0611-0270 0611-0568 0611-1968 0611-2081 0612-0267 0612-0955 0612-2004 0621-0321 0622-0208 0622-0456 0611-0300 0611-0599 0611-1973 0611-2082 0612-0268 0612-0961 0612-2013 0621-0325 0622-0211 0622-0462 0611-0303 0611-0612 0611-1980 0611-2083 0612-0275 0612-1054 0612-2014 0621-0345 0622-0214 0622-0480 0611-0314 0611-0615 0611-1981 0611-2088 0612-0293 0612-1063 0612-2028 0621-0348 0622-0219 0622-0503 0611-0315 0611-0701 0611-1982 0611-2089 0612-0294 0612-1096 0612-2035 0621-0359 0622-0220 0622-0513 0611-0318 0611-0714 0611-1985 0611-2095 0612-0295 0612-1098 0612-2041 0621-0376 0622-0225 0622-0559 0611-0321 0611-0720 0611-1987 0611-2098 0612-0325 0612-1116 0612-2044 0621-0386 0622-0234 0622-0561 0611-0324 0611-0732 0611-1990 0611-2100 0612-0332 0612-1117 0612-2048 0621-0390 0622-0247 0622-0563 0611-0327 0611-0747 0611-1998 0611-2102 0612-0333 0612-1130 0612-2059 0621-0404 0622-0257 0622-0566 0611-0329 0611-0751 0611-2000 0611-2104 0612-0337 0612-1131 0612-2065 0621-0407 0622-0269 0622-0570 0611-0335 0611-0786 0611-2008 0611-2105 0612-0347 0612-1134 0612-2075 0621-0420 0622-0274 0622-0573 Exhibit "F" Group 1(cont) 0622-0579 0631-0551 0631-1403 0631-1559 0631-9246 0641-0148 0641-0855 0642-0425 0652-0086 0653-0305 0622-0583 0631-0554 0631-1410 0631-1562 0631-9287 0641-0158 0641-0860 0642-0430 0652-0125 0653-0312 0622-0584 0631-0557 0631-1416 0631-1566 0632-0092 0641-0166 0641-0862 0642-0440 0652-0138 0653-0329 0622-0593 0631-0565 0631-1422 0631-1567 0632-0143 0641-0192 0641-0864 0642-0444 0652-0144 0653-0331 0622-0611 0631-0570 0631-1426 0631-1568 0632-0187 0641-0207 0641-0865 0642-0470 0652-0158 0653-0332 0622-0613 0631-0598 0631-1427 0631-1569 0632-0373 0641-0237 0641-0866 0642-0477 0652-0161 0653-0336 0622-0627 0631-0635 0631-1428 0631-1574 0632-0474 0641-0243 0641-0868 0642-0508 0652-0180 0653-0338 0622-0629 0631-0670 0631-1436 0631-1575 0632-0521 0641-0273 0641-0871 0642-0538 0652-0208 0653-0346 0622-0630 0631-0673 0631-1438 0631-1578 0632-0545 0641-0274 0641-0874 0642-0603 0652-0260 0653-0377 0622-0634 0631-0751 0631-1442 0631-1580 0632-0592 0641-0294 0641-0878 0642-0642 0652-0269 0653-0378 0622-0637 0631-0756 0631-1450 0631-1588 0632-0613 0641-0295 0641-0879 0642-0659 0652-0295 0653-0392 0622-0639 0631-0762 0631-1451 0631-1589 0632-0620 0641-0299 0641-0883 0642-0716 0652-0297 0653-0438 0622-0643 0631-0868 0631-1453 0631-1591 0632-0814 0641-0309 0641-0886 0642-0801 0652-0300 0653-0442 0622-0644 0631-0873 0631-1454 0631-1595 0632-0882 0641-0310 0641-0888 0642-0812 0652-0303 0653-0474 0622-0645 0631-0962 0631-1456 0631-1596 0632-0950 0641-0322 0641-0892 0642-0830 0652-0309 0653-0515 0622-0646 0631-0970 0631-1460 0631-1600 0632-0966 0641-0336 0641-0896 0642-0832 0652-0314 0653-0532 0622-0647 0631-0992 0631-1462 0631-1602 0632-1100 0641-0341 0641-0902 0642-0839 0652-0322 0653-0586 0622-0648 0631-0996 0631-1463 0631-1607 0632-1162 0641-0352 0641-0903 0642-0843 0652-0372 0653-0606 0622-0651 0631-1052 0631-1464 0631-1608 0632-1172 0641-0353 0641-0904 0642-0845 0652-0439 0653-0609 0622-0654 0631-1079 0631-1466 0631-1612 0632-1263 0641-0367 0641-0905 0642-0847 0652-0444 0653-0611 0622-0656 0631-1123 0631-1469 0631-1614 0632-1265 0641-0369 0641-0907 0642-0851 0652-0447 0653-0614 0622-0658 0631-1167 0631-1470 0631-1616 0632-1298 0641-0391 0641-0908 0642-0872 0652-0451 0653-0618 0622-0659 0631-1178 0631-1474 0631-1617 0632-1431 0641-0403 0641-0910 0642-0876 0652-0489 0653-0619 0622-0662 0631-1214 0631-1478 0631-1620 0632-1548 0641-0405 0641-0916 0642-0880 0652-0497 0653-0620 0622-0664 0631-1215 0631-1479 0631-1622 0632-1555 0641-0416 0641-0932 0642-0884 0652-0512 0653-8251 0622-0669 0631-1230 0631-1483 0631-1626 0632-1584 0641-0417 0641-0935 0642-0918 0652-0518 0653-8262 0622-0673 0631-1236 0631-1484 0631-1627 0632-1590 0641-0420 0641-0936 0642-0920 0652-0521 0654-0015 0622-9278 0631-1262 0631-1486 0631-1628 0632-1606 0641-0431 0642-0112 0642-0921 0652-0554 0654-0045 0630-0021 0631-1272 0631-1487 0631-1629 0632-1618 0641-0437 0642-0124 0642-0929 0653-0027 0654-0108 0630-0022 0631-1290 0631-1489 0631-1637 0632-1630 0641-0488 0642-0161 0642-0945 0653-0040 0654-0110 0630-0562 0631-1299 0631-1491 0631-1640 0632-1654 0641-0491 0642-0184 0650-0017 0653-0048 0654-0141 0630-1359 0631-1304 0631-1492 0631-1641 0632-9249 0641-0533 0642-0196 0650-0073 0653-0070 0654-0150 0630-1449 0631-1309 0631-1497 0631-1642 0632-9253 0641-0566 0642-0225 0650-0210 0653-0079 0654-0164 0630-1504 0631-1311 0631-1500 0631-1648 0632-9285 0641-0573 0642-0226 0650-0359 0653-0106 0654-0229 0630-1553 0631-1313 0631-1502 0631-1650 0640-0018 0641-0581 0642-0250 0650-0543 0653-0128 0654-0291 0630-1556 0631-1314 0631-1503 0631-1651 0640-0026 0641-0589 0642-0251 0651-0283 0653-0154 0654-0310 0630-1583 0631-1316 0631-1506 0631-1661 0640-0388 0641-0628 0642-0268 0651-0324 0653-0156 0654-0311 0630-9211 0631-1321 0631-1513 0631-1667 0640-0418 0641-0677 0642-0270 0651-0361 0653-0165 0654-0338 0630-9247 0631-1344 0631-1514 0631-1673 0640-0861 0641-0709 0642-0276 0651-0362 0653-0168 0654-0340 0631-0064 0631-1346 0631-1515 0631-1675 0640-0863 0641-0762 0642-0282 0651-0365 0653-0185 0654-0354 0631-0111 0631-1352 0631-1529 0631-9174 0640-0891 0641-0772 0642-0284 0651-0388 0653-0188 0654-0358 0631-0145 0631-1355 0631-1536 0631-9191 0640-0924 0641-0784 0642-0286 0651-0411 0653-0199 0654-0415 0631-0220 0631-1380 0631-1537 0631-9195 0640-0938 0641-0799 0642-0287 0651-0632 0653-0219 0654-0425 0631-0278 0631-1381 0631-1540 0631-9212 0641-0119 0641-0823 0642-0298 0651-0636 0653-0235 0654-0434 0631-0340 0631-1382 0631-1542 0631-9219 0641-0120 0641-0834 0642-0302 0651-0640 0653-0246 0654-0435 0631-0431 0631-1387 0631-1543 0631-9221 0641-0123 0641-0844 0642-0351 0651-0661 0653-0250 0654-0438 0631-0462 0631-1393 0631-1549 0631-9226 0641-0129 0641-0852 0642-0397 0651-0668 0653-0263 0654-0449 0631-0492 0631-1400 0631-1550 0631-9245 0641-0130 0641-0854 0642-0407 0652-0072 0653-0289 0654-0454 Exhibit "F" Group 1(cont) O654O456 06604544 06704383 06704624 0710-0444 0711-0606 07114329 0711-2352 07194912 0719-2544 0654-0506 0660-1576 0670-1385 0670-1625 0710-0454 0711-0625 0711-1347 0711-2373 0719-2013 0719-2545 0654-0514 0660-1605 06704407 0670-1631 0710-0516 0711-0668 0711-1352 0711-2399 0719-2030 0719-2546 0654-0519 0660-1671 0670-1411 0670-1632 0710-0525 0711-0712 0711-1379 0711-2403 0719-2095 0719-2550 0654-0522 0670-0043 0670-1419 0670-1635 0710-0597 0711-0722 0711-1408 0711-2433 0719-2124 0719-2552 0654-0524 0670-0124 0670-1429 0670-1638 0710-0628 0711-0723 0711-1425 0711-2437 0719-2152 0719-2553 0654-0536 0670-0127 0670-1430 0670-1655 0710-0665 0711-0725 0711-1449 0711-2474 0719-2166 0719-2554 0654-0538 0670-0169 0670-1434 0670-1659 0710-0677 0711-0735 0711-1456 0711-2482 0719-2170 0719-2563 0654-0542 0670-0253 0670-1437 0670-1665 0710-0686 0711-0745 0711-1476 0711-2502 0719-2174 0719-2565 0654-0552 0670-0377 0670-1443 0670-9176 0710-2562 0711-0756 0711-1493 0711-2594 0719-2189 0719-2567 0655-0075 0670-0392 0670-1446 0670-9194 0710-2564 0711-0780 0711-1501 0711-2620 0719-2198 0719-2568 0655-0135 0670-0514 0670-1459 0670-9203 0710-2566 0711-0798 0711-1515 0711-2648 0719-2201 0719-2569 0655-0260 067O0587 0670-1461 0670-9206 0710-2577 0711-0803 0711-1532 0711-7451 0719-2211 0719-2571 0655-0334 0670-0632 0670-1467 0670-9220 0710-2584 0711-0830 0711-1572 0712-0132 0719-2217 0719-2575 0655-0368 0670-0676 0670-1468 0670-9231 0710-2635 0711-0831 0711-1599 0712-0275 0719-2218 0719-2578 0655-0587 0670-0677 0670-1471 0670-9255 0710-2638 0711-0835 0711-1606 0712-0585 0719-2233 0719-2582 0655-0633 0670-0715 0670-1473 0670-9264 0710-2640 0711-0840 0711-1610 0712-1212 0719-2236 0719-2588 0660-0436 0670-0747 0670-1476 0670-9288 0710-2649 0711-0844 0711-1629 0712-1424 0719-2263 0719-2596 0660-0460 0670-0795 0670-1485 0670-9291 0710-2657 0711-0845 0711-1637 0712-1433 0719-2304 0719-2598 0660-0634 0670-0815 0670-1496 0710-0034 0710-2662 0711-0874 0711-1667 0712-2087 0719-2333 0719-2599 0660-0772 0670-0899 0670-1498 0710-0080 0710-2683 0711-0876 0711-1718 0719-0078 0719-2334 0719-2601 0660-0800 0670-0904 0670-1501 0710-0112 0710-2684 0711-0883 0711-1817 0719-0099 0719-2337 0719-2604 0660-0902 0670-0928 0670-1516 0710-0118 0710-2710 0711-0908 0711-1822 0719-0115 0719-2356 0719-2605 0660-0915 0670-0964 0670-1520 0710-0121 0710-9331 0711-0916 0711-1827 0719-0181 0719-2375 0719-2606 0660-0965 0670-0978 0670-1523 0710-0126 0711-0011 0711-0918 07114847 0719-0194 0719-2381 0719-2608 0660-1035 0670-1026 0670-1525 0710-0136 0711-0085 0711-0932 0711-1919 0719-0203 0719-2382 0719-2615 0660-1049 0670-1050 0670-1527 0710-0144 0711-0217 0711-0933 0711-1923 0719-0204 0719-2395 0719-2618 0660-1059 0670-1051 0670-1531 0710-0146 0711-0219 0711-0946 0711-1951 0719-0239 0719-2408 0719-2619 0660-1067 0670-1063 0670-1532 0710-0148 0711-0223 0711-0968 0711-1952 0719-0392 0719-2413 0719-2621 0660-1069 0670-1129 0670-1535 0710-0153 0711-0250 0711-0975 0711-1986 0719-0429 0719-2416 0719-2628 0660-1072 06704145 0670-1539 0710-0158 0711-0282 0711-0989 0711-2020 0719-0448 0719-2421 0719-2632 0660-1086 0670-1169 0670-1554 0710-0168 0711-0283 0711-1014 0711-2025 0719-0530 0719-2424 0719-2633 0660-1135 0670-1171 0670-1560 0710-0202 0711-0337 0711-1036 0711-2119 0719-0581 0719-2430 0719-2636 0660-1138 0670-1176 0670-1564 0710-0209 0711-0338 0711-1047 0711-2159 0719-0593 0719-2431 0719-2643 0660-1139 0670-1181 0670-1565 0710-0215 0711-0363 0711-1071 0711-2160 0719-0594 0719-2439 0719-2644 0660-1154 0670-1182 0670-1572 0710-0225 0711-0394 0711-1081 0711-2171 0719-0664 0719-2445 0719-2645 0660-1156 0670-1197 0670-1577 0710-0228 0711-0395 0711-1131 0711-2172 0719-0806 0719-2468 0719-2646 0660-1220 0670-1199 0670-1579 0710-0234 0711-0442 0711-1139 0711-2177 0719-0816 0719-2477 0719-2647 0660-1233 0670-1205 0670-1586 0710-0241 0711-0464 0711-1198 0711-2180 0719-0904 0719-2487 0719-2655 0660-1286 0670-1217 0670-1592 0710-0242 0711-0473 0711-1203 0711-2186 0719-0906 0719-2492 0719-2658 0660-1398 0670-1241 0670-1594 0710-0291 0711-0515 0711-1206 0711-2196 0719-0930 0719-2501 0719-2663 0660-1406 0670-1247 0670-1597 0710-0294 0711-0547 0711-1217 0711-2220 0719-1127 0719-2517 0719-2665 0660-1415 0670-1248 0670-1598 0710-0300 0711-0553 0711-1220 0711-2241 0719-1170 0719-2530 0719-2667 0660-1472 0670-1256 0670-1599 0710-0340 0711-0558 0711-1226 0711-2246 0719-1397 0719-2535 0719-2672 0660-1495 0670-1281 0670-1604 0710-0402 0711-0575 0711-1256 0711-2256 0719-1413 0719-2537 0719-2673 0660-1508 0670-1292 0670-1611 0710-0427 0711-0579 0711-1266 0711-2264 0719-1435 0719-2538 0719-2678 0660-1518 0670-1317 0670-1619 0710-0436 0711-0586 0711-1304 0711-2320 0719-1854 0719-2539 0719-2685 0660-1521 0670-1324 0670-1623 0710-0442 0711-0604 0711-1318 0711-2326 0719-1876 0719-2543 0719-2686 Exhibit "F" Group 1(coot) O7192698 0724-0677 0724-1402 0739-0500 0739-1860 0739-8314 0749-1286 0759-1261 0810-1940 0812-1564 0719-2700 0724-0697 0724-1405 0739-0518 0739-1885 0739-8317 0749-1327 0759-1267 0810-2301 0812-1617 0719-7446 0724-0708 0724-1406 0739-0541 0739-1928 0739-8320 0749-1331 0759-1281 0810-2457 0812-1624 0719-7447 0724-0711 0724-1407 0739-0556 0739-1991 0740-0103 0749-1332 0759-1284 0810-2511 0812-1791 0719-7450 0724-0749 0724-1412 0739-0571 0739-2028 0740-1418 0749-1385 0759-1285 0810-2536 0812-1853 0719-9316 0724-0774 0724-1413 0739-0587 0739-2045 0740-1442 0749-1406 0759-1286 0810-2654 0812-1910 0719-9321 0724-0827 0724-1415 0739-0604 0739-2046 0740-1443 0749-1427 0759-1782 0810-7449 0812-1953 0719-9327 0724-0829 0724-1416 0739-0613 0739-2053 0749-0035 0749-1431 0759-1784 0810-8667 0812-2007 0720-0107 0724-0880 0724-1417 0739-0616 0739-2055 0749-0221 0749-1440 0759-1786 0810-8670 0812-2050 0720-1391 0724-0889 0724-1418 0739-0633 0739-2070 0749-0222 0749-8680 0759-1787 0810-8674 0812-2053 0720-1421 0724-1001 0724-1419 0739-0709 0739-2076 0749-0250 0750-0066 0759-1788 0812-0052 0812-2154 0724-0033 0724-1019 0724-1422 0739-0712 0739-2091 0749-0354 0750-0072 0759-1790 0812-0053 0812-2213 0724-0052 0724-1034 0724-1423 0739-0733 0739-2099 0749-0367 0750-1193 0759-1791 0812-0054 0812-2243 0724-0085 0724-1090 0724-1424 0739-0738 0739-2100 0749-0380 0750-1266 0759-1793 0812-0057 0812-2279 0724-0151 0724-1092 0724-1431 0739-0750 0739-2104 0749-0415 0750-1785 0759-1796 0812-0058 0812-2412 0724-0153 0724-1102 0724-1437 0739-0775 0739-2114 0749-0435 0750-7215 0759-1800 0812-0100 0812-2472 0724-0170 0724-1143 0724-1439 0739-0782 0739-2118 0749-0436 0750-7219 0759-1801 0812-0169 0812-2580 0724-0178 0724-1203 0724-7195 0739-0785 0739-2122 0749-0453 0759-0113 0759-1803 0812-0286 0812-2597 0724-0207 0724-1243 0724-8678 0739-0804 0739-2132 0749-0464 0759-0197 0759-1809 0812-0412 0812-2629 0724-0215 0724-1310 0724-8684 0739-0827 0739-2142 0749-0495 0759-0256 0759-1828 0812-0414 0812-2642 0724-0228 0724-1322 0730-0072 0739-0851 0739-2143 0749-0517 0759-0317 0759-1831 0812-0428 0812-2705 0724-0261 0724-1342 0730-2269 0739-0876 0739-2152 0749-0522 0759-0350 0759-1835 0812-0454 0812-2707 0724-0266 0724-1345 0739-0010 0739-0901 0739-2156 0749-0538 0759-0410 0759-1842 0812-0485 0812-2712 0724-0286 0724-1355 0739-0018 0739-0962 0739-2167 0749-0550 0759-0411 0759-7213 0812-0510 0813-0263 0724-0304 0724-1358 0739-0044 0739-1009 0739-2180 0749-0605 0759-0418 0759-7220 0812-0511 0813-0392 0724-0321 0724-1359 0739-0052 0739-1106 0739-2184 0749-0609 0759-0437 0810-0005 0812-0513 0813-0461 0724-0340 0724-1361 0739-0073 0739-1151 0739-2186 0749-0621 0759-0459 0810-0016 0812-0522 0813-0722 0724-0367 0724-1362 0739-0080 0739-1158 0739-2191 0749-0634 0759-0477 0810-0052 0812-0526 0813-0738 0724-0397 0724-1365 0739-0097 0739-1187 0739-2195 0749-0712 0759-0485 0810-0056 0812-0545 0813-0800 0724-0399 0724-1368 0739-0128 0739-1319 0739-2209 0749-0741 0759-0487 0810-0060 0812-0572 0813-0816 0724-0405 0724-1370 0739-0130 0739-1342 0739-2235 0749-0763 0759-0503 0810-0099 0812-0632 0815-0047 0724-0414 0724-1371 0739-0147 0739-1346 0739-2242 0749-0813 0759-0525 0810-0107 0812-0637 0815-0048 0724-0419 0724-1374 0739-0160 0739-1395 0739-2247 0749-0830 0759-0578 0810-0143 0812-0649 0815-0086 0724-0432 0724-1376 0739-0186 0739-1428 0739-2249 0749-0851 0759-0612 0810-0460 0812-0696 0815-0104 0724-0433 0724-1377 0739-0196 0739-1436 0739-2254 0749-0892 0759-0630 0810-0579 0812-0706 0815-0134 0724-0448 0724-1378 0739-0197 0739-1455 0739-2272 0749-0893 0759-0646 0810-0616 0812-0868 0815-0135 0724-0450 0724-1379 0739-0228 0739-1482 0739-2273 0749-0911 0759-0694 0810-0620 0812-0892 0815-0149 0724-0465 0724-1381 0739-0229 0739-1496 0739-2274 0749-0915 0759-0697 0810-0634 0812-0998 0815-0173 0724-0475 0724-1382 0739-0231 0739-1539 0739-2277 0749-0921 0759-0749 0810-1553 0812-1031 0815-0180 0724-0486 0724-1383 0739-0234 0739-1545 0739-2279 0749-0947 0759-0794 0810-1734 0812-1130 0815-0200 0724-0488 0724-1385 0739-0254 0739-1552 0739-2290 0749-0998 0759-0800 0810-1747 0812-1166 0815-0309 0724-0494 0724-1390 0739-0290 0739-1565 0739-2291 0749-1008 0759-0802 0810-1757 0812-1224 0815-0310 0724-0497 0724-1392 0739-0336 0739-1578 0739-2293 0749-1012 0759-0937 0810-1771 0812-1261 0815-0349 0724-0499 0724-1393 0739-0350 0739-1584 0739-2300 0749-1113 0759-0958 0810-1895 0812-1275 0815-0391 0724-0520 0724-1397 0739-0352 0739-1636 0739-7207 0749-1121 0759-1040 0810-1897 0812-1307 0815-0417 0724-0544 0724-1399 0739-0453 0739-1647 0739-7208 0749-1230 0759-1201 0810-1913 0812-1328 0815-0426 0724-0562 0724-1400 0739-0489 0739-1764 0739-7218 0749-1234 0759-1228 0810-1922 0812-1383 0815-0441 0724-0568 0724-1401 0739-0493 0739-1788 0739-8312 0749-1278 0759-1247 0810-1923 0812-1417 0815-0465 Exhibit "F" Group 1(cont) 0815-0483 0819-0354 0829-0149 0829-0727 0839-0176 0839-0520 0839-7437 0842-0359 0843-0457 0912-0073 0815-0538 0819-0371 0829-0161 0829-0738 0839-0193 0839-0521 0839-7441 0842-0430 0843-0479 0912-0123 0815-0549 0819-0401 0829-0172 0829-0749 0839-0204 0839-0525 0840-0092 0842-0545 0843-0496 0912-0128 0815-0570 0819-0408 0829-0174 0829-0752 0839-0206 0839-0532 0840-0114 0842-0566 0843-0502 0912-0175 0815-0573 0819-0446 0829-0179 0829-0753 0839-0218 0839-0534 0840-0232 0842-0570 0843-0679 0912-0181 0815-0596 0819-0466 0829-0186 0829-0755 0839-0219 0839-0545 0840-0278 0842-0572 0843-0703 0912-0191 0815-0604 0819-0506 0829-0187 0829-0756 0839-0224 0839-0550 0840-0315 0842-0573 0843-0776 0912-0220 0815-0631 0819-0530 0829-0195 0829-0771 0839-0230 0839-0554 0840-0365 0842-0604 0843-0779 0912-0223 0815-0635 0819-0533 0829-0200 0829-0773 0839-0238 0839-0563 0840-0390 0842-0612 0843-0796 0912-0232 0815-0639 0819-0534 0829-0207 0829-0775 0839-0243 0839-0565 0840-0399 0842-0616 0843-0800 0912-0233 0815-0664 0819-0600 0829-0213 0829-0870 0839-0244 0839-0568 0840-0605 0842-0617 0843-0803 0912-0288 0815-0683 0819-0601 0829-0246 0829-0872 0839-0245 0839-0570 0840-0623 0843-0104 0843-0837 0912-0310 0815-0701 0819-0650 0829-0251 0829-0875 0839-0246 0839-0589 0840-0672 0843-0110 0843-0840 0912-0319 0815-0723 0819-0789 0829-0256 0829-0877 0839-0250 0839-0590 0840-0802 0843-0131 0843-0873 0912-0339 0815-0742 0819-0827 0829-0263 0829-0878 0839-0262 0839-0622 0840-0835 0843-0147 0843-0901 0912-0354 0815-0885 0819-0900 0829-0269 0829-0880 0839-0263 0839-0638 0840-0842 0843-0151 0863-1436 0912-0425 0815-0907 0819-0914 0829-0275 0829-0881 0839-0264 0839-0666 0840-0846 0843-0176 0863-1446 0912-0452 0815-0973 0819-1043 0829-0304 0829-0882 0839-0272 0839-0668 0840-0853 0843-0211 0865-0063 0912-0456 0815-1240 0819-1237 0829-0310 0829-0886 0839-0301 0839-0670 0840-0864 0843-0212 0865-0432 0912-0463 0815-1312 0819-1315 0829-0334 0829-0888 0839-0305 0839-0688 0840-0881 0843-0218 0865-0554 0912-0468 0815-1357 0819-1341 0829-0342 0829-0889 0839-0306 0839-0705 0840-0882 0843-0223 0865-0625 0912-0506 0815-1393 0819-1355 0829-0343 0829-7433 0839-0308 0839-0732 0840-0884 0843-0224 0865-0679 0912-0508 0815-1401 0819-1386 0829-0349 0829-7443 0839-0309 0839-0738 0840-0894 0843-0230 0865-0718 0912-0510 0815-1405 0819-1477 0829-0383 0830-0056 0839-0310 0839-0756 0840-0911 0843-0231 0865-1876 0912-0555 0815-1546 0819-1481 0829-0385 0830-0072 0839-0319 0839-0757 0840-7439 0843-0233 0865-1915 0912-0567 0815-1661 0819-1583 0829-0403 0830-0217 0839-0338 0839-0772 0841-0063 0843-0245 0865-1942 0912-0588 0815-1687 0819-1673 0829-0408 0830-0252 0839-0342 0839-0788 0841-0065 0843-0269 0910-0114 0912-0622 0815-1767 0819-1988 0829-0416 0830-0253 0839-0345 0839-0792 0841-0079 0843-0292 0910-0530 0912-0654 0815-1772 0819-2280 0829-0428 0830-0822 0839-0356 0839-0795 0841-0085 0843-0300 0910-0533 0912-0664 0815-1776 0819-2345 0829-0430 0830-0850 0839-0358 0839-0798 0841-0105 0843-0301 0910-0580 0912-0679 0815-1793 0820-0117 0829-0436 0830-0865 0839-0364 0839-0804 0841-0261 0843-0308 0910-0583 0912-0696 0815-1798 0820-0152 0829-0437 0830-1402 0839-0366 0839-0807 0841-0297 0843-0311 0910-0829 0912-0706 0815-1801 0820-0168 0829-0468 0839-0009 0839-0369 0839-0813 0841-0488 0843-0318 0910-1426 0912-0753 0815-1804 0820-0170 0829-0506 0839-0040 0839-0371 0839-0817 0841-0602 0843-0323 0910-1492 0912-0783 0815-1809 0820-0178 0829-0513 0839-0052 0839-0372 0839-0818 0841-0622 0843-0330 0910-1656 0912-0953 0815-1822 0820-0767 0829-0518 0839-0108 0839-0374 0839-0828 0841-0698 0843-0333 0910-1699 0912-0963 0815-1852 0820-0783 0829-0534 0839-0110 0839-0388 0839-0830 0841-0734 0843-0354 0910-1706 0912-0975 0815-1863 0820-0873 0829-0572 0839-0111 0839-0409 0839-0831 0841-0871 0843-0363 0910-1713 0912-0979 0815-1900 0820-0892 0829-0585 0839-0118 0839-0418 0839-0832 0842-0098 0843-0380 0910-1717 0912-0993 0815-1921 0829-0087 0829-0598 0839-0120 0839-0431 0839-0833 0842-0113 0843-0385 0910-1719 0912-1074 0815-1924 0829-0103 0829-0608 0839-0121 0839-0450 0839-0835 0842-0144 0843-0401 0910-1724 0912-1099 0815-1930 0829-0108 0829-0654 0839-0133 0839-0456 0839-0838 0842-0175 0843-0411 0910-1730 0912-1117 0815-1936 0829-0109 0829-0673 0839-0141 0839-0458 0839-0843 0842-0182 0843-0423 0910-1753 0912-1147 0815-7440 0829-0120 0829-0686 0839-0153 0839-0463 0839-0853 0842-0189 0843-0427 0910-1754 0912-1222 0815-8663 0829-0127 0829-0700 0839-0161 0839-0466 0839-0860 0842-0223 0843-0433 0910-1755 0912-1303 0819-0195 0829-0133 0829-0701 0839-0169 0839-0497 0839-1239 0842-0236 0843-0438 0910-7160 0912-1331 0819-0352 0829-0138 0829-0706 0839-0170 0839-0508 0839-1401 0842-0274 0843-0442 0911-0127 0912-1356 0819-0353 0829-0142 0829-0720 0839-0172 0839-0513 0839-1423 0842-0275 0843-0443 0912-0059 0912-1367 Exhibit "F" Group 1(cont) 09124383 0914-0612 0919-0119 0919-0898 0929-0057 0960-0066 1010-1508 1011-0270 1011-0652 1011-1488 0912-1461 0914-0666 0919-0120 0919-0917 0929-0061 0960-0068 1010-1919 1011-0277 1011-0656 1011-1493 09124488 0914-0683 0919-0121 0919-1019 0929-0065 0960-0070 1010-8970 1011-0284 1011-0675 1011-1497 0912-1496 0914-0697 0919-0148 0919-1087 0929-0082 0960-0095 1010-8974 1011-0286 1011-0693 1011-1498 09124543 0914-0725 0919-0150 0919-1321 0929-0086 0960-0101 1010-8986 1011-0293 1011-0711 1011-1499 0912-1558 0914-0773 0919-0170 0919-1345 0929-0091 0960-0509 1011-0001 1011-0298 1011-0714 1011-1500 0912-1581 0914-0816 0919-0186 0919-1360 0929-0095 0960-0882 1011-0010 1011-0302 1011-0720 1011-1506 0912-1588 0914-0824 0919-0189 0919-1368 0929-0098 0960-1523 1011-0011 1011-0322 1011-0729 1011-1507 0912-1614 0914-0844 0919-0206 0919-1428 0929-0111 0960-1688 1011-0014 1011-0323 1011-0762 1011-1521 0912-1638 0914-0858 0919-0235 0919-1437 0929-0114 0960-1693 1011-0022 1011-0352 1011-0775 1011-1529 0912-1655 0914-0867 0919-0261 0919-1456 0929-0122 0960-1697 1011-0037 1011-0355 1011-0788 1011-1530 0912-1707 0914-0873 0919-0266 0919-1471 0929-0127 0960-1723 1011-0060 1011-0364 1011-0834 1011-8966 0912-1720 0914-0890 0919-0270 0919-1531 0929-0134 0960-1733 1011-0062 1011-0375 1011-0837 1012-0039 0912-1722 0914-0918 0919-0284 0919-1567 0929-0143 0960-1741 1011-0067 1011-0383 1011-0849 1012-0044 0912-1838 0914-0945 0919-0305 0919-1575 0929-0147 0960-1767 1011-0069 1011-0391 1011-0906 1012-0062 0912-8177 0914-0957 0919-0331 0919-1577 0929-0154 1010-0078 1011-0076 1011-0397 1011-0915 1012-0160 0913-0088 0914-0961 0919-0340 09194579 0929-0156 1010-0092 1011-0078 1011-0401 1011-0923 1012-0187 0913-0113 0914-0964 0919-0343 0919-1584 0929-0161 1010-0093 1011-0096 1011-0407 1011-0994 1012-0189 0913-0164 0914-0965 0919-0346 09194618 0929-0162 1010-0096 1011-0099 1011-0409 1011-1021 1012-0250 0913-0175 0914-0966 0919-0360 0919-1637 0929-0163 1010-0100 1011-0101 1011-0415 1011-1040 1012-0287 0913-0271 0914-0973 0919-0366 0919-1652 0929-0164 1010-0101 1011-0110 1011-0442 10114061 1012-0325 0913-0276 0914-8178 0919-0369 0919-1654 0929-0168 1010-0108 1011-0113 1011-0449 1011-1075 1012-0351 0913-0278 0915-0297 0919-0384 0919-1672 0929-0170 1010-0128 1011-0114 1011-0454 1011-1080 1012-0413 0913-0313 0915-1059 0919-0461 09194683 0929-0180 1010-0130 1011-0115 1011-0456 1011-1131 1012-0495 0913-0385 0918-0002 0919-0485 0919-1694 0929-0213 1010-0135 1011-0121 1011-0463 1011-1134 1012-0505 0913-0463 0918-0009 0919-0490 0919-1696 0929-0219 1010-0150 1011-0122 1011-0479 1011-1135 1012-0594 0913-0610 0918-0287 0919-0496 0919-1702 0929-0227 1010-0172 1011-0124 1011-0480 1011-1138 1012-0610 0913-0613 0918-0381 0919-0511 0919-1716 0929-0239 1010-0200 1011-0130 1011-0492 1011-1170 1012-0627 0913-0664 0918-0388 0919-0513 0919-1725 0929-0244 1010-0271 1011-0143 1011-0508 1011-1212 1012-0629 0913-1052 0918-0455 0919-0524 0919-1726 0929-0327 1010-0285 1011-0147 1011-0529 1011-1247 1012-0638 0913-1075 0918-0560 0919-0529 0919-1727 0929-0418 1010-0294 1011-0155 1011-0534 1011-1307 1012-0645 0913-1086 0918-0568 0919-0534 0919-1735 0929-0457 1010-0377 1011-0165 1011-0535 1011-1336 1012-0680 0913-1111 0918-0637 0919-0564 0919-1737 0929-0476 1010-0428 1011-0166 1011-0544 1011-1342 1012-0699 0914-0002 0918-0725 0919-0566 0919-1751 0929-0514 1010-0536 1011-0178 1011-0555 1011-1381 1012-0721 0914-0048 0918-0836 0919-0568 0919-1837 0929-0518 1010-0548 1011-0181 1011-0559 1011-1404 1012-0777 0914-0052 0918-0925 0919-0574 0919-8180 0929-0521 1010-0569 1011-0198 1011-0566 1011-1410 1012-0791 0914-0060 0918-0952 0919-0650 0920-0104 0929-0524 1010-0669 1011-0201 1011-0568 1011-1430 1012-1009 0914-0075 0918-1005 0919-0673 0920-0167 0929-0525 1010-0672 1011-0202 1011-0576 1011-1439 1012-1042 0914-0086 0918-1196 0919-0683 0920-0541 0929-0543 1010-0978 1011-0204 1011-0577 1011-1440 1012-1195 0914-0115 0918-1243 0919-0712 0921-0100 0929-0544 1010-1067 1011-0208 1011-0581 1011-1444 1012-1320 0914-0164 0918-1804 0919-0723 0921-0103 0929-0545 1010-1124 1011-0210 1011-0600 1011-1456 10124545 0914-0201 0918-1825 0919-0772 0921-0108 0929-0550 1010-1199 1011-0212 1011-0621 1011-1458 1012-1849 0914-0232 0919-0010 0919-0780 0921-0136 0929-0552 1010-1473 1011-0222 1011-0626 1011-1464 1012-1880 0914-0287 0919-0011 0919-0802 0921-0160 0929-0555 1010-1486 1011-0233 1011-0632 1011-1465 1012-1905 0914-0290 0919-0019 0919-0831 0921-0515 0929-7156 1010-1492 1011-0237 1011-0637 1011-1472 1012-1909 0914-0383 0919-0053 0919-0841 0921-0522 0929-8165 1010-1496 1011-0254 1011-0638 1011-1477 1012-1938 0914-0412 0919-0055 0919-0870 0929-0041 0960-0058 1010-1502 1011-0258 1011-0649 1011-1479 1012-8943 0914-0446 0919-0094 0919-0888 0929-0048 0960-0060 1010-1504 1011-0265 1011-0650 1011-1484 1019-0058 Exhibit "F" Group 1(cont) 1019-0141 1021-0157 1023-0097 1031-0046 1031-0356 1031-1037 1040-0179 1049-0151 1070-0126 1070-0734 1019-0211 1021-0161 1023-0099 1031-0052 1031-0364 1031-1042 1040-1410 1049-0158 1070-0152 1070-0737 1019-0217 1021-0170 1023-0119 1031-0055 1031-0365 1031-1105 1040-8941 1049-0165 1070-0160 1070-0739 1019-0220 1021-0182 1023-0124 1031-0082 1031-0366 1031-1108 1040-8957 1049-0167 1070-0195 1070-0750 1019-0273 1021-0201 1023-0151 1031-0108 1031-0367 1031-1119 1041-0219 1049-0181 1070-0200 1070-8971 1019-0333 1021-0291 1023-0154 1031-0111 1031-0374 1031-1136 1041-0230 1049-0182 1070-0211 1110-0002 1019-0367 1021-0293 1023-0171 1031-0115 1031-0377 1031-1165 1041-0235 1049-0193 1070-0216 1110-0003 1019-0393 1021-0300 1023-0177 1031-0116 1031-0381 1031-1174 1041-0249 1049-0203 1070-0240 1110-0025 1019-0418 1021-0309 1023-0187 1031-0126 1031-0387 1031-1184 1041-0257 1049-0212 1070-0251 1110-0071 1019-0452 1021-0310 1023-0192 1031-0127 1031-0401 1031-1196 1041-0270 1049-0217 1070-0272 1110-0104 1019-0474 1021-0313 1023-0268 1031-0129 1031-0410 1031-1197 1041-0342 1049-0239 1070-0279 1110-0105 1019-0624 1021-0325 1023-0276 1031-0141 1031-0417 1031-1201 1041-0368 1049-0313 1070-0296 1110-0358 1019-0660 1021-0328 1023-0384 1031-0148 1031-0420 1031-1211 1041-0371 1049-0369 1070-0305 1110-0707 1019-0719 1021-0356 1023-0409 1031-0150 1031-0426 1031-1212 1041-0421 1049-0472 1070-0308 1110-1017 1019-0857 1021-0358 1023-0509 1031-0157 1031-0435 1031-1224 1041-0475 1049-0514 1070-0341 1110-1187 1019-0939 1021-0359 1023-0635 1031-0162 1031-0464 1031-1232 1041-0492 1049-0525 1070-0423 1110-1267 1019-1061 1021-0370 1023-0664 1031-0166 1031-0476 1031-1238 1041-0498 1049-0561 1070-0477 1110-1278 1019-1151 1021-0392 1023-0669 1031-0169 1031-0490 1031-1243 1041-0608 1049-0578 1070-0507 1110-1432 1019-1428 1021-0427 1023-0709 1031-0172 1031-0496 1031-1259 1041-0650 1049-0688 1070-0543 1110-1554 1019-1630 1021-0441 1030-0067 1031-0176 1031-0528 1031-1262 1041-0658 1049-0702 1070-0544 1110-1574 1019-1810 1021-0458 1030-0070 1031-0182 1031-0544 1031-1265 1041-0784 1049-0793 1070-0552 1110-1650 1019-1827 1021-0459 1030-0085 1031-0184 1031-0564 1031-1273 1041-0843 1049-0796 1070-0569 1110-1745 1019-1896 1021-0460 1030-0112 1031-0186 1031-0569 1031-1274 1041-0997 1049-0816 1070-0586 1110-1779 1020-0092 1021-0468 1030-0119 1031-0187 1031-0583 1031-1294 1041-1091 1049-0818 1070-0595 1110-1782 1020-0315 1021-0472 1030-0197 1031-0188 1031-0588 1031-1297 1041-1092 1049-0825 1070-0607 1110-1797 1020-0374 1021-0474 1030-0225 1031-0204 1031-0622 1031-1300 1041-1156 1049-0853 1070-0608 1110-2433 1020-0391 1021-0475 1030-0261 1031-0212 1031-0637 1031-1302 1041-1205 1049-0881 1070-0609 1110-2438 1020-0433 1021-0484 1030-0269 1031-0221 1031-0654 1031-1316 1041-1277 1049-0953 1070-0610 1110-2448 1020-0601 1021-0492 1030-0277 1031-0228 1031-0682 1031-1317 1041-1321 1049-1013 1070-0614 1110-2454 1020-0632 1021-0514 1030-0306 1031-0233 1031-0684 1031-1318 1041-1342 1049-1027 1070-0615 1110-2464 1020-0633 1021-0518 1030-0368 1031-0238 1031-0700 1031-1327 1041-1355 1049-1167 1070-0625 1110-2485 1020-0700 1021-0535 1030-0369 1031-0240 1031-0704 1031-8910 1041-1370 1049-1267 1070-0642 1110-2508 1021-0040 1021-0599 1030-0516 1031-0241 1031-0724 1031-8930 1041-1374 1049-1304 1070-0646 1110-2512 1021-0055 1021-0652 1030-0640 1031-0254 1031-0744 1031-8937 1041-1381 1049-1331 1070-0648 1110-2546 1021-0066 1021-0684 1030-0792 1031-0257 1031-0763 1031-8939 1041-1387 1049-1333 1070-0667 1110-2551 1021-0067 1021-0703 1030-0840 1031-0262 1031-0783 1031-8978 1041-1388 1049-1336 1070-0673 1110-2553 1021-0077 1021-0706 1030-0881 1031-0279 1031-0804 1039-0003 1041-8946 1049-1375 1070-0683 1110-2587 1021-0087 1021-0736 1030-0998 1031-0284 1031-0860 1039-0149 1041-8956 1049-1407 1070-0687 1110-2590 1021-0099 1021-8932 1030-1278 1031-0288 1031-0862 1039-0156 1049-0020 1070-0006 1070-0688 1110-2603 1021-0103 1021-8961 1030-1286 1031-0289 1031-0873 1039-0271 1049-0058 1070-0009 1070-0689 1110-9365 1021-0111 1022-0024 1030-1301 1031-0309 1031-0901 1039-0304 1049-0079 1070-0017 1070-0695 1111-0112 1021-0121 1022-0104 1030-1306 1031-0312 1031-0912 1039-0337 1049-0080 1070-0023 1070-0707 1111-0117 1021-0125 1023-0012 1030-1313 1031-0318 1031-0934 1039-1272 1049-0088 1070-0037 1070-0713 1111-0122 1021-0131 1023-0025 1030-1329 1031-0321 1031-0977 1039-1287 1049-0103 1070-0044 1070-0721 1111-0165 1021-0141 1023-0031 1031-0017 1031-0335 1031-0984 1039-1291 1049-0106 1070-0046 1070-0722 1111-0168 1021-0142 1023-0040 1031-0025 1031-0339 1031-1000 1040-0026 1049-0111 1070-0052 1070-0724 1111-0169 1021-0144 1023-0045 1031-0032 1031-0340 1031-1013 1040-0087 1049-0124 1070-0092 1070-0728 1111-0177 1021-0149 1023-0087 1031-0040 1031-0351 1031-1030 1040-0113 1049-0145 1070-0101 1070-0732 1111-0190 Exhibit "F" Group 1(cont) 1111-0198 1113-0844 1113-2182 1119-0325 1119-0765 1119-1238 1119-2407 1122-0195 1130-2409 1131-0546 1111-0220 1113-0857 1113-2185 1119-0351 1119-0769 1119-1240 1119-2412 1122-0197 1130-2410 1131-0653 1111-0224 1113-0873 1113-2189 1119-0354 1119-0771 1119-1242 1119-2430 1122-0198 1130-2416 1131-0683 1111-0240 1113-0903 1113-2231 1119-0359 1119-0777 1119-1274 1119-2435 1122-0212 1130-2417 1131-0698 1111-0281 1113-0904 1113-2240 1119-0362 1119-0782 1119-1285 1119-2436 1122-0266 1130-2440 1131-0716 1111-0284 1113-0974 1113-2253 1119-0382 1119-0792 1119-1306 1119-2447 1122-0303 1130-2441 1131-0751 1111-0331 1113-1080 1113-2266 1119-0393 1119-0797 1119-1307 1119-2453 1122-0312 1130-2451 1131-0880 1111-0333 1113-1084 1113-2272 1119-0419 1119-0799 1119-1324 1119-2455 1122-0428 1130-2458 1131-0913 1111-0336 1113-1141 1113-2281 1119-0423 1119-0800 1119-1332 1119-2462 1122-0576 1130-2467 1131-0937 1111-0458 1113-1162 1113-2291 1119-0433 1119-0809 1119-1351 1119-2465 1122-0629 1130-2495 1131-0968 1111-0492 1113-1174 1113-2296 1119-0441 1119-0812 1119-1387 1119-2468 1122-0645 1130-2514 1131-0972 1111-0533 1113-1178 1113-2303 1119-0448 1119-0814 1119-1430 1119-2471 1122-0676 1130-2515 1131-0983 1113-0143 1113-1218 1113-2320 1119-0450 1119-0817 1119-1431 1119-2478 1122-0677 1130-2523 1131-0989 1113-0161 1113-1220 1113-2363 1119-0454 1119-0823 1119-1434 1119-2480 1122-0686 1130-2529 1131-0998 1113-0209 1113-1253 1113-2368 1119-0485 1119-0840 1119-1468 1119-2488 1122-0740 1130-2548 1131-1058 1113-0253 1113-1273 1113-2373 1119-0499 1119-0849 1119-1491 1119-2499 1123-0642 1130-2572 1131-1066 1113-0254 1113-1289 1113-2380 1119-0513 1119-0850 1119-1503 1119-2503 1123-0722 1130-2580 1131-1081 1113-0258 1113-1300 1113-2383 1119-0518 1119-0858 1119-1504 1119-2504 1123-1171 1130-2597 1131-1098 1113-0283 1113-1320 1113-2390 1119-0522 1119-0875 1119-1525 1119-2505 1123-1334 1130-2602 1131-1107 1113-0300 1113-1335 1113-2392 1119-0523 1119-0894 1119-1532 1119-2507 1123-1952 1130-9384 1131-1138 1113-0301 1113-1347 1113-2395 1119-0532 1119-0896 1119-1618 1119-2511 1123-2078 1130-9385 1131-1198 1113-0311 1113-1363 1113-2419 1119-0533 1119-0921 1119-1642 1119-2516 1123-2131 1130-9388 1131-1235 1113-0348 1113-1493 1113-2429 1119-0543 1119-0926 1119-1643 1119-2522 1123-2308 1130-9408 1131-1299 1113-0349 1113-1501 1113-2472 1119-0560 1119-0928 1119-1645 1119-2528 1123-2338 1130-9413 1131-1301 1113-0366 1113-1661 1113-2489 1119-0561 1119-0936 1119-1658 1119-2530 1123-2359 1130-9414 1131-1323 1113-0374 1113-1679 1113-2492 1119-0563 1119-0951 1119-1669 1119-2543 1130-0002 1131-0056 1131-1336 1113-0405 1113-1682 1113-2571 1119-0564 1119-0957 1119-1672 1119-2547 1130-0103 1131-0074 1131-1339 1113-0406 1113-1688 1113-2579 1119-0571 1119-0960 1119-1691 1119-2557 1130-0124 1131-0131 1131-1340 1113-0434 1113-1752 1113-2607 1119-0576 1119-0966 1119-1699 1119-2558 1130-0142 1131-0152 1131-1386 1113-0438 1113-1758 1119-0005 1119-0578 1119-0967 1119-1730 1119-2563 1130-0229 1131-0244 1131-1429 1113-0440 1113-1778 1119-0057 1119-0600 1119-0976 1119-1736 1119-2569 1130-0290 1131-0245 1131-1464 1113-0460 1113-1784 1119-0058 1119-0604 1119-0977 1119-1738 1119-2574 1130-0313 1131-0271 1131-1489 1113-0511 1113-1806 1119-0059 1119-0616 1119-0982 1119-1757 1119-2577 1130-0334 1131-0292 1131-1548 1113-0557 1113-1858 1119-0060 1119-0624 1119-0984 1119-1759 1119-2593 1130-0526 1131-0327 1131-1561 1113-0574 1113-1861 1119-0065 1119-0646 1119-0986 1119-1794 1119-2605 1130-0783 1131-0368 1131-1605 1113-0585 1113-1870 1119-0129 1119-0650 1119-0987 1119-1823 1119-9369 1130-0801 1131-0376 1131-1621 1113-0605 1113-1900 1119-0133 1119-0661 1119-0999 1119-2031 1119-9374 1130-0934 1131-0379 1131-1629 1113-0619 1113-1953 1119-0156 1119-0662 1119-1016 1119-2032 1119-9411 1130-0946 1131-0400 1131-1692 1113-0655 1113-2021 1119-0158 1119-0686 1119-1044 1119-2051 1119-9417 1130-1111 1131-0417 1131-1719 1113-0725 1113-2034 1119-0169 1119-0699 1119-1076 1119-2076 1120-2443 1130-1125 1131-0427 1131-1720 1113-0726 1113-2089 1119-0194 1119-0702 1119-1085 1119-2129 1120-9380 1130-1311 1131-0453 1131-1741 1113-0746 1113-2092 1119-0195 1119-0705 1119-1109 1119-2177 1122-0043 1130-1407 1131-0479 1131-1832 1113-0748 1113-2104 1119-0196 1119-0714 1119-1122 1119-2213 1122-0062 1130-1542 1131-0480 1131-1834 1113-0758 1113-2106 1119-0199 1119-0719 1119-1188 1119-2221 1122-0082 1130-1550 1131-0488 1131-1863 1113-0784 1113-2164 1119-0205 1119-0742 1119-1209 1119-2261 1122-0108 1130-1598 1131-0502 1131-1910 1113-0803 1113-2171 1119-0239 1119-0749 1119-1212 1119-2262 1122-0121 1130-1992 1131-0507 1131-1939 1113-0805 1113-2172 1119-0242 1119-0750 1119-1219 1119-2277 1122-0183 1130-2399 1131-0508 1131-1998 1113-0835 1113-2181 1119-0323 1119-0755 1119-1225 1119-2349 1122-0192 1130-2400 1131-0545 1131-2029 Exhibit "F" Group 1(cont) 1131-2138 1149-0474 1149-1830 1210-4035 1211-4214 1213-0102 1220-4395 1221-0613 1222-3902 1222-4312 1131-2208 1149-0549 1149-1928 1210-4055 1211-4225 1213-0105 1220-4411 1221-0615 1222-3906 1222-4313 1131-2280 1149-0550 1149-1967 1210-4121 1211-4228 1213-0157 1220-4422 1221-0617 1222-3932 1222-4315 1131-2282 1149-0659 1149-2012 1210-4288 1211-4242 1213-0177 1220-4430 1221-0622 1222-3933 1222-4316 1131-2295 1149-0660 1149-2052 1210-4321 1211-4263 1213-0229 1220-4437 1221-0623 1222-3977 1222-4317 1131-2306 1149-0668 1149-2117 1210-4405 1211-4266 1213-0235 1220-4444 1221-0625 1222-3981 1222-4320 1131-2316 1149-0763 1149-2162 1210-4435 1211-4276 1213-0236 1220-8694 1221-0627 1222-3984 1222-4322 1131-2336 1149-0828 1149-2176 1210-4436 1211-4283 1213-0237 1220-8734 1221-0631 1222-3986 1222-4323 1131-2344 1149-0916 1149-2184 1210-8187 1211-4285 1214-0400 1220-8759 1221-0633 1222-3987 1222-4324 1131-2352 1149-0948 1149-2198 1211-0118 1211-4300 1214-0402 1221-0113 1221-0637 1222-3993 1222-4329 1131-2356 1149-1014 1149-2209 1211-0406 1211-4303 1214-0503 1221-0498 1221-0641 1222-4001 1222-4332 1131-2357 1149-1022 1149-2226 1211-0515 1211-4304 1214-0515 1221-0504 1221-0645 1222-4010 1222-4333 1131-2362 1149-1028 1149-2244 1211-0625 1211-4327 1220-0024 1221-0517 1221-8721 1222-4030 1222-4334 1131-2365 1149-1056 1149-2289 1211-0690 1211-4352 1220-0049 1221-0518 1222-0324 1222-4034 1222-4340 1131-2444 1149-1091 1149-2332 1211-0788 1211-4355 1220-0065 1221-0519 1222-0395 1222-4048 1222-4341 1131-2459 1149-1123 1149-2343 1211-0844 1211-4362 1220-0066 1221-0532 1222-1509 1222-4068 1222-4345 1131-2494 1149-1130 1149-2375 1211-0951 1211-4369 1220-0416 1221-0551 1222-1643 1222-4070 1222-4346 1131-2525 1149-1142 1149-2397 1211-2566 1211-4373 1220-2958 1221-0555 1222-1705 1222-4075 1222-4347 1131-2538 1149-1150 1149-2418 1211-2899 1211-4375 1220-3190 1221-0556 1222-2084 1222-4089 1222-4358 1131-2540 1149-1151 1149-2469 1211-3298 1211-4378 1220-3410 1221-0558 1222-2287 1222-4094 1222-4359 1131-2570 1149-1164 1149-2474 1211-3351 1211-4384 1220-3706 1221-0560 1222-2606 1222-4113 1222-4361 1131-2599 1149-1180 1149-2502 1211-3504 1211-4389 1220-3713 1221-0563 1222-2607 1222-4121 1222-4363 1131-2609 1149-1201 1149-2517 1211-3508 1211-4407 1220-3784 1221-0566 1222-2800 1222-4150 1222-4366 1131-9399 1149-1223 1149-2554 1211-3577 1211-4414 1220-3825 1221-0567 1222-3193 1222-4157 1222-4371 1131-9412 1149-1258 1149-2561 1211-3635 1211-4425 1220-3869 1221-0570 1222-3243 1222-4162 1222-4376 1131-9425 1149-1284 1149-2586 1211-3729 1211-4431 1220-3875 1221-0571 1222-3364 1222-4180 1222-4380 1140-0049 1149-1404 1149-2594 1211-3779 1211-4432 1220-3883 1221-0572 1222-3414 1222-4183 1222-4381 1140-0055 1149-1451 1149-2598 1211-3780 1211-4434 1220-3920 1221-0573 1222-3478 1222-4191 1222-4385 1140-0089 1149-1471 1149-2600 1211-3801 1211-4446 1220-3934 1221-0576 1222-3482 1222-4194 1222-4387 1140-1264 1149-1472 1149-2601 1211-3828 1211-4447 1220-4009 1221-0577 1222-3590 1222-4203 1222-4394 1140-1437 1149-1481 1149-9368 1211-3895 1211-4452 1220-4079 1221-0579 1222-3624 1222-4205 1222-4397 1140-1560 1149-1508 1149-9402 1211-3896 1211-4455 1220-4092 1221-0580 1222-3730 1222-4209 1222-4401 1140-1652 1149-1513 1149-9403 1211-3928 1211-4462 1220-4121 1221-0582 1222-3751 1222-4210 1222-4402 1140-1771 1149-1527 1149-9410 1211-3931 1211-4469 1220-4152 1221-0584 1222-3754 1222-4229 1222-4403 1140-2193 1149-1544 1149-9419 1211-4021 1211-4484 1220-4159 1221-0586 1222-3762 1222-4237 1222-4408 1140-2426 1149-1580 1163-2420 1211-4026 1211-4486 1220-4164 1221-0589 1222-3774 1222-4252 1222-4417 1140-2496 1149-1601 1210-0024 1211-4033 1211-4493 1220-4166 1221-0592 1222-3775 1222-4254 1222-4418 1140-2559 1149-1610 1210-0035 1211-4095 1211-4502 1220-4174 1221-0593 1222-3799 1222-4264 1222-4424 1140-2564 1149-1648 1210-0204 1211-4124 1211-4514 1220-4189 1221-0595 1222-3804 1222-4270 1222-4429 1140-9404 1149-1709 1210-3214 1211-4139 1211-4517 1220-4206 1221-0596 1222-3820 1222-4275 1222-4433 1149-0223 1149-1715 1210-3227 1211-4149 1211-8174 1220-4215 1221-0598 1222-3824 1222-4279 1222-4440 1149-0240 1149-1726 1210-3453 1211-4173 1211-8192 1220-4280 1221-0599 1222-3842 1222-4282 1222-4442 1149-0265 1149-1731 1210-3684 1211-4175 1211-8197 1220-4314 1221-0600 1222-3854 1222-4286 1222-4449 1149-0268 1149-1733 1210-3695 1211-4186 1211-8203 1220-4319 1221-0603 1222-3858 1222-4289 1222-4450 1149-0305 1149-1781 1210-3826 1211-4187 1212-0206 1220-4330 1221-0606 1222-3861 1222-4292 1222-4451 1149-0319 1149-1790 1210-3863 1211-4190 1212-0221 1220-4344 1221-0607 1222-3872 1222-4293 1222-4453 1149-0410 1149-1792 1210-3948 1211-4197 1212-8189 1220-4351 1221-0608 1222-3891 1222-4306 1222-4456 1149-0446 1149-1814 1210-4016 1211-4202 1213-0101 1220-4360 1221-0610 1222-3893 1222-4309 1222-4458 Exhibit "F" Group 1(cont) 12224466 123OO668 1241O112 1243846O 1251-0873 2111-7014 2111-7958 2113-7033 2113-7181 2113-8293 1222-4467 1230-0686 1241-0151 1243-8463 1251-0875 2111-7023 2111-7960 2113-7037 2113-7182 2113-8306 1222-4470 1230-0696 1241-0250 1243-8465 1251-0876 2111-7027 2111-7965 2113-7041 2113-7184 2113-8359 1222-4471 1231-0359 1241-0358 1243-8487 1251-0879 2111-7030 2111-7993 2113-7043 2113-7193 2113-8363 1222-4473 1231-0360 1241-0367 1243-8498 1251-0881 2111-7031 2111-7999 2113-7045 2113-7196 2113-8373 1222-4474 1231-0373 1241-0374 1243-8511 1251-0883 2111-7033 2111-8001 2113-7051 2113-7199 2113-8375 1222-4477 1231-0390 1241-0375 1250-0375 1251-0885 2111-7037 2111-8002 2113-7055 2113-7203 2113-8377 1222-4488 1232-0005 1241-0378 1250-0828 1251-0886 2111-7343 2111-8013 2113-7057 2113-7204 2113-8386 1222-4492 1232-0010 1241-0381 1250-0865 1251-0888 2111-7368 2111-8995 2113-7061 2113-7205 2113-8387 1222-4504 1232-0229 1241-0383 1250-0871 1251-0889 2111-7413 2111-9194 2113-7062 2113-7210 2113-8398 1222-8718 1232-0387 1241-0384 1250-0880 1251-0893 2111-7416 2111-9227 2113-7063 2113-7212 2113-8415 1222-8725 1232-0407 1242-0024 1251-0008 1251-0896 2111-7417 2111-9230 2113-7064 2113-7216 2113-8416 1222-8728 1232-0513 1242-0156 1251-0051 1251-0898 2111-7421 2112-7246 2113-7066 2113-7222 2113-8417 1222-8737 1232-0597 1242-0158 1251-0165 1251-8461 2111-7425 2112-7250 2113-7070 2113-7225 2113-8438 1222-8741 1232-0636 1242-0159 1251-0243 1251-8514 2111-7430 2112-7251 2113-7073 2113-7227 2113-8443 1222-8742 1232-0654 1242-0168 1251-0267 1252-0004 2111-7433 2112-7258 2113-7075 2113-7228 2113-8470 1222-8747 1232-0659 1242-0170 1251-0290 1252-0090 2111-7434 2112-7263 2113-7085 2113-7237 2113-8493 1222-8750 1232-0663 1242-0175 1251-0456 1252-0092 2111-7435 2112-7374 2113-7090 2113-7241 2113-8495 1222-8754 1232-0664 1243-0032 1251-0460 1252-0093 2111-7498 2112-7375 2113-7094 2113-7277 2113-8537 1222-8760 1232-0684 1243-0069 1251-0555 2110-7001 2111-7659 2112-7378 2113-7102 2113-7282 2113-8538 1222-8762 1232-0685 1243-0075 1251-0557 2110-7007 2111-7661 2112-7379 2113-7105 2113-7285 2113-8564 1222-8767 1232-0691 1243-0102 1251-0582 2110-7013 2111-7664 2112-7438 2113-7107 2113-7287 2113-8651 1224-0077 1232-0693 1243-0105 1251-0670 2110-7016 2111-7685 2112-7442 2113-7113 2113-7292 2113-8652 1224-0177 1232-0697 1243-0139 1251-0698 2110-7017 2111-7686 2112-7444 2113-7116 2113-7298 2113-8701 1224-0182 1232-8509 1243-0141 1251-0700 2110-7022 2111-7689 2112-7447 2113-7119 2113-7306 2113-8714 1224-0200 1233-0015 1243-0185 1251-0753 2110-7024 2111-7690 2112-7453 2113-7123 2113-7308 2113-8716 1224-0201 1233-0642 1243-0211 1251-0769 2110-7025 2111-7695 2112-7457 2113-7128 2113-7311 2114-7011 1224-0205 1233-0758 1243-0225 1251-0770 2110-7273 2111-7696 2112-8750 2113-7129 2113-7312 2114-7018 1224-0207 1233-0853 1243-0232 1251-0772 2110-7291 2111-7705 2112-8752 2113-7130 2113-7326 2114-7023 1224-0208 1233-0858 1243-0246 1251-0777 2110-7321 2111-7713 2112-8758 2113-7131 2113-7352 2114-7297 1224-0209 1240-0002 1243-0250 1251-0782 2110-7347 2111-7761 2112-8790 2113-7132 2113-7353 2114-7466 1224-0210 1240-0005 1243-0252 1251-0786 2110-7349 2111-7774 2112-8798 2113-7133 2113-7354 2114-7468 1224-0214 1240-0288 1243-0261 1251-0788 2110-7508 2111-7781 2112-8816 2113-7135 2113-7357 2114-7500 1224-0217 1240-0294 1243-0291 1251-0799 2110-8074 2111-7782 2112-8822 2113-7136 2113-7358 2114-7503 1224-0219 1240-0311 1243-0292 1251-0810 2110-8076 2111-7783 2112-8823 2113-7141 2113-7359 2114-8922 1224-0224 1240-7188 1243-0293 1251-0825 2110-8082 2111-7800 2112-8837 2113-7143 2113-7362 2114-8965 1224-0228 1240-8470 1243-0296 1251-0827 2110-8087 2111-7810 2112-8859 2113-7144 2113-8055 2114-8969 1224-0229 1240-8477 1243-0301 1251-0829 2110-8099 2111-7819 2112-8864 2113-7145 2113-8139 2114-9247 1224-0231 1240-8480 1243-0302 1251-0831 2110-8103 2111-7827 2112-8866 2113-7146 2113-8144 2115-7266 1224-0232 1240-8482 1243-0303 1251-0835 2110-8108 2111-7840 2112-8899 2113-7148 2113-8167 2115-7315 1224-0235 1240-8483 1243-0304 1251-0840 2110-8120 2111-7846 2113-7001 2113-7149 2113-8171 2115-7317 1224-0236 1240-8492 1243-0306 1251-0842 2110-8230 2111-7858 2113-7002 2113-7150 2113-8178 2115-7322 1224-0238 1240-8502 1243-0308 1251-0850 2110-8235 2111-7859 2113-7003 2113-7154 2113-8199 2115-7329 1224-8702 1240-8506 1243-0310 1251-0856 2110-8355 2111-7860 2113-7006 2113-7165 2113-8223 2115-7461 1224-8712 1240-8526 1243-0312 1251-0857 2110-8356 2111-7864 2113-7008 2113-7167 2113-8276 2115-7486 1224-8720 1241-0008 1243-0316 1251-0868 2110-9190 2111-7870 2113-7017 2113-7170 2113-8285 2115-9019 1224-8722 1241-0041 1243-8458 1251-0869 2110-9218 2111-7956 2113-7029 2113-7176 2113-8286 2115-9026 1224-8745 1241-0085 1243-8459 1251-0870 2111-7012 2111-7957 2113-7032 2113-7179 2113-8290 2115-9038 Exhibit "F" Group 1(cont) 2115-9065 2119-7732 2212-7215 2213-7159 2215-7136 2219-7202 2223-8347 2311-7664 2313-7269 2360-7566 2115-9073 2119-7735 2212-7230 2213-7162 2215-7137 2219-7208 2260-7011 2311-7666 2313-7281 2360-7568 2115-9081 2119-7736 2212-7231 2213-7164 2215-7141 2219-7209 2260-7013 2311-7688 2313-7296 2360-8282 2115-9083 2119-7752 2212-7233 2213-7170 2215-7147 2219-7215 2260-7023 2311-7698 2313-7303 2360-8294 2115-9167 2211-7218 2212-7236 2213-7171 2215-7267 2219-7220 2260-7027 2312-7025 2313-7306 2360-8331 2116-7247 2211-7221 2212-7243 2213-7174 2215-7269 2219-7222 2260-7030 2312-7034 2313-7317 2360-8377 2116-7260 2211-7223 2212-7468 2213-7227 2215-7270 2219-7223 2260-7036 2312-7035 2313-7318 2360-8424 2116-7268 2211-7226 2212-7472 2213-7327 2215-7283 2219-7225 2260-7040 2312-7036 2313-7491 2360-8426 2116-7477 2211-7365 2212-7478 2213-7338 2215-7286 2219-7356 2260-7047 2312-7040 2313-7494 2360-8429 2116-9101 2211-7388 2212-7517 2213-7345 2215-8163 2219-7358 2260-7057 2312-7043 2313-7500 2360-8456 2116-9112 2211-7407 2212-7521 2213-7373 2215-8164 2219-7595 2260-7058 2312-7065 2313-7509 2410-7044 2116-9129 2211-7439 2212-7570 2213-7417 2215-8166 2219-7624 2260-7076 2312-7075 2313-7517 2410-7053 2116-9131 2211-7441 2212-7577 2213-7509 2215-8167 2219-7666 2260-7109 2312-7085 2313-7539 2410-7121 2116-9133 2211-7442 2212-7582 2213-7513 2215-8169 2219-7672 2260-7121 2312-7100 2313-7543 2410-7176 2116-9169 2211-7449 2212-7587 2213-7517 2215-8170 2219-7673 2260-7123 2312-7108 2313-7563 2410-7620 2117-7009 2211-8080 2212-7602 2213-7580 2215-8172 2219-7938 2260-7145 2312-7114 2313-7919 2410-7665 2117-7013 2211-8280 2212-7625 2213-7618 2215-8174 2219-7993 2260-7233 2312-7116 2313-8010 2410-8151 2117-7014 2211-8289 2212-7678 2213-7653 2215-8175 2219-8106 2260-7234 2312-7122 2313-8033 2412-7003 2117-7016 2211-8294 2212-7688 2213-7890 2215-8176 2219-8109 2260-7236 2312-7123 2313-8062 2412-7014 2117-7017 2212-7007 2212-7713 2213-7899 2215-8199 2219-8125 2260-7246 2312-7124 2313-8078 2412-7024 2117-7019 2212-7010 2212-7747 2213-7906 2215-8205 2219-8209 2260-7247 2312-7128 2313-8111 2412-7081 2117-7021 2212-7011 2212-7759 2213-7923 2215-8208 2219-8215 2260-7251 2312-7136 2313-8146 2412-7084 2117-7027 2212-7019 2212-7776 2213-7968 2215-8217 2220-7964 2260-7284 2312-7137 2313-8180 2412-7090 2117-7293 2212-7024 2212-7777 2213-7989 2215-8221 2220-8018 2260-7287 2312-7140 2313-8198 2412-7097 2117-8923 2212-7026 2212-7781 2213-7990 2215-8222 2220-8022 2260-7389 2312-7150 2313-8224 2412-7105 2118-7014 2212-7028 2212-7797 2213-8012 2215-8223 2223-7044 2260-7423 2312-7741 2313-8550 2412-7109 2118-7087 2212-7041 2212-7812 2213-8034 2215-8228 2223-7165 2260-7494 2312-7825 2313-8604 2412-7113 2118-7098 2212-7052 2212-7842 2213-8069 2215-8231 2223-7169 2260-7603 2312-7827 2313-8634 2412-7119 2118-7115 2212-7054 2212-7844 2213-8086 2215-8232 2223-7174 2260-7610 2312-8880 2313-8651 2412-7120 2118-7160 2212-7065 2212-7872 2213-8093 2215-8237 2223-7180 2260-7615 2312-8881 2313-8717 2412-7161 2118-7169 2212-7075 2212-7895 2213-8149 2215-8241 2223-8035 2260-7723 2313-7157 2313-8758 2412-7211 2118-7171 2212-7079 2212-7902 2213-8154 2215-8245 2223-8038 2260-7737 2313-7159 2313-8773 2412-7220 2118-7183 2212-7105 2212-8334 2213-8171 2215-8250 2223-8044 2260-7749 2313-7166 2313-8818 2412-7392 2118-8021 2212-7111 2212-8351 2214-7279 2215-8252 2223-8054 2260-7753 2313-7178 2313-8830 2412-7411 2118-8209 2212-7113 2213-7039 2214-7280 2215-8256 2223-8073 2260-7794 2313-7179 2319-7156 2412-7817 2118-8214 2212-7126 2213-7046 2214-7364 2215-8258 2223-8077 2260-7804 2313-7186 2319-7583 2412-7865 2118-8322 2212-7133 2213-7049 2214-7365 2216-7285 2223-8116 2260-7806 2313-7193 2319-8261 2412-7950 2118-8325 2212-7135 2213-7087 2214-7565 2219-7044 2223-8119 2260-7810 2313-7202 2360-7337 2412-7962 2118-8341 2212-7141 2213-7112 2214-7576 2219-7060 2223-8182 2260-7823 2313-7205 2360-7376 2412-7968 2118-8497 2212-7145 2213-7119 2214-7578 2219-7082 2223-8188 2260-7846 2313-7211 2360-7380 2412-8059 2118-8525 2212-7148 2213-7135 2214-7589 2219-7098 2223-8193 2260-7851 2313-7214 2360-7383 2412-8088 2118-8585 2212-7155 2213-7137 2214-7631 2219-7101 2223-8211 2260-7860 2313-7218 2360-7387 2412-8214 2118-8592 2212-7193 2213-7142 2214-7668 2219-7108 2223-8214 2260-8194 2313-7224 2360-7413 2412-8236 2118-8594 2212-7195 2213-7150 2214-7887 2219-7113 2223-8222 2260-8202 2313-7226 2360-7415 2412-8356 2118-8598 2212-7196 2213-7153 2214-7939 2219-7126 2223-8229 2260-8212 2313-7236 2360-7452 2420-7100 2119-7005 2212-7199 2213-7155 2214-8080 2219-7131 2223-8243 2260-8343 2313-7238 2360-7461 2420-7103 2119-7019 2212-7203 2213-7156 2214-8118 2219-7133 2223-8249 2311-7018 2313-7240 2360-7467 2420-7108 2119-7717 2212-7212 2213-7158 2214-8214 2219-7201 2223-8260 2311-7575 2313-7243 2360-7485 2420-7128 Exhibit "F" Group 1(cont) 2420-7129 2422-7795 2433-8255 2514-7257 2514-8170 2515-8345 2520-7646 2531-7549 2540-7423 2550-7692 2420-7154 2422-7874 2433-8258 2514-7275 2514-8171 2515-8353 2520-7656 2531-7557 2540-7427 2550-7694 2420-7166 2422-7918 2433-8274 2514-7276 2514-8172 2515-8356 2520-7671 2531-7573 2540-7434 2550-7697 2420-7185 2422-7928 2433-8295 2514-7288 2514-8173 2515-8390 2520-7679 2531-7593 2540-7440 2550-7700 2420-7216 2423-7077 2433-8524 2514-7307 2514-8174 2515-8391 2520-7682 2531-7625 2540-7441 2550-7702 2420-7245 2423-7274 2434-7018 2514-7308 2514-8176 2515-8393 2521-7248 2531-7644 2540-7443 2550-7706 2420-7266 2423-7275 2434-7427 2514-7309 2514-8177 2515-8397 2521-7712 2531-7687 2540-7444 2550-7729 2420-7669 2423-7436 2434-7432 2514-7351 2514-8181 2515-8400 2521-7715 2531-7693 2540-7445 2550-7732 2421-7003 2430-7357 2434-8566 2514-7375 2514-8191 2515-8403 2521-7717 2531-7697 2540-7446 2550-7737 2421-7007 2430-7382 2434-8568 2514-7378 2514-8192 2515-8410 2521-7775 2531-7704 2540-7457 2550-7747 2421-7008 2430-7390 2434-8569 2514-7993 2514-8195 2515-8419 2521-7792 2531-7711 2540-7458 2550-7749 2421-7009 2430-7395 2434-8576 2514-8012 2514-8199 2515-8420 2521-7820 2531-7799 2540-7466 2550-7767 2421-7012 2430-7404 2434-8580 2514-8016 2514-8200 2519-7318 2530-7497 2531-8485 2540-7468 2550-7772 2421-7017 2430-7407 2440-7707 2514-8017 2514-8206 2519-8361 2530-7501 2531-8492 2540-7473 2550-7773 2421-7031 2430-8057 2440-7712 2514-8021 2514-8209 2519-8363 2530-7502 2531-8500 2540-7478 2550-7783 2421-7042 2430-8453 2440-7763 2514-8026 2514-8285 2519-8366 2530-7503 2532-7180 2540-7481 2550-7788 2421-7045 2430-8466 2441-7016 2514-8027 2514-8289 2519-8369 2530-7511 2532-7182 2540-7483 2550-7789 2421-7052 2430-8595 2441-7025 2514-8028 2514-8291 2519-8379 2530-7514 2532-7191 2540-7493 2550-7790 2421-7054 2432-7067 2441-7191 2514-8029 2514-8294 2519-8385 2530-7530 2532-7194 2540-7504 2550-7799 2421-7063 2432-7294 2441-7200 2514-8030 2514-8296 2519-8438 2530-7536 2532-7198 2540-7507 2550-7815 2421-7064 2433-7311 2441-7406 2514-8037 2514-8299 2519-8440 2531-7002 2532-7207 2540-7525 2550-8001 2421-7552 2433-7314 2441-8360 2514-8039 2514-8301 2519-8446 2531-7008 2532-7214 2540-7539 2550-8359 2421-7555 2433-7320 2442-7019 2514-8042 2514-8307 2520-7025 2531-7014 2532-7236 2540-7540 2560-7264 2421-7595 2433-7324 2442-7154 2514-8045 2514-8313 2520-7029 2531-7025 2532-7241 2540-7543 2560-7332 2421-7598 2433-7333 2442-8119 2514-8046 2514-8315 2520-7030 2531-7037 2532-7248 2540-7544 2560-7497 2421-7600 2433-7335 2510-7296 2514-8056 2514-8321 2520-7054 2531-7052 2532-7390 2540-7545 2560-7502 2421-7604 2433-7338 2510-8211 2514-8066 2514-8323 2520-7056 2531-7067 2532-7818 2540-7550 2560-7534 2421-8618 2433-7348 2510-8214 2514-8071 2514-8324 2520-7063 2531-7075 2532-7819 2540-7555 2560-7552 2421-8632 2433-7422 2510-8215 2514-8072 2514-8327 2520-7068 2531-7077 2532-7822 2550-7163 2560-7825 2421-8634 2433-7425 2510-8219 2514-8080 2514-8331 2520-7072 2531-7098 2532-7840 2550-7202 2560-7828 2422-7073 2433-7446 2510-8228 2514-8084 2514-8332 2520-7081 2531-7100 2532-7849 2550-7204 2560-7836 2422-7196 2433-7946 2510-8232 2514-8085 2514-8334 2520-7097 2531-7119 2532-7887 2550-7225 2560-7840 2422-7215 2433-7955 2510-8237 2514-8088 2514-8340 2520-7098 2531-7129 2532-7890 2550-7227 2560-7843 2422-7221 2433-7969 2510-8239 2514-8104 2514-8342 2520-7107 2531-7142 2532-7903 2550-7231 2560-7844 2422-7222 2433-7971 2510-8241 2514-8106 2514-8432 2520-7115 2531-7152 2532-7924 2550-7236 2560-7849 2422-7226 2433-7973 2510-8242 2514-8112 2514-8445 2520-7121 2531-7154 2532-7962 2550-7238 2560-7850 2422-7228 2433-7989 2510-8245 2514-8114 2514-8494 2520-7137 2531-7159 2532-7969 2550-7245 2560-7851 2422-7232 2433-7992 2510-8246 2514-8121 2515-7876 2520-7140 2531-7160 2532-7982 2550-7253 2560-7852 2422-7233 2433-8008 2510-8247 2514-8133 2515-7877 2520-7155 2531-7162 2532-8493 2550-7259 2560-7854 2422-7236 2433-8019 2510-8249 2514-8134 2515-7909 2520-7165 2531-7164 2539-7206 2550-7321 2560-7855 2422-7240 2433-8074 2510-8255 2514-8136 2515-7910 2520-7170 2531-7167 2539-7861 2550-7325 2560-7856 2422-7246 2433-8087 2510-8257 2514-8138 2515-7918 2520-7178 2531-7177 2539-7874 2550-7334 2560-7857 2422-7267 2433-8090 2510-8258 2514-8142 2515-7925 2520-7183 2531-7349 2540-7007 2550-7343 2560-7859 2422-7279 2433-8092 2510-8264 2514-8147 2515-7931 2520-7186 2531-7366 2540-7013 2550-7411 2560-7863 2422-7288 2433-8142 2510-8267 2514-8164 2515-7937 2520-7566 2531-7370 2540-7403 2550-7549 2560-8052 2422-7296 2433-8147 2510-8271 2514-8165 2515-7953 2520-7575 2531-7459 2540-7405 2550-7557 2570-7896 2422-7440 2433-8201 2514-7254 2514-8167 2515-7983 2520-7623 2531-7473 2540-7417 2550-7675 2570-7898 2422-7794 2433-8215 2514-7255 2514-8168 2515-7990 2520-7639 2531-7538 2540-7418 2550-7689 2570-7899 Exhibit "F" Group 1(cont) 2570-7903 2611-7200 2612-7246 2622-8738 2641-7154 2652-8182 2670-8327 2711-7227 2719-7267 2724-7642 2570-7971 2611-7222 2612-7258 2622-8799 2641-7215 2653-7091 2670-8332 2711-7252 2719-7289 2724-7643 2610-7114 2611-7230 2612-7264 2622-8932 2641-7216 2653-7105 2670-8414 2711-7264 2719-7291 2724-7646 2610-7118 2611-7245 2612-7265 2622-9142 2641-7430 2653-7106 2670-8776 2711-7266 2719-7312 2724-7652 2610-7119 2611-7252 2612-7268 2630-7891 2641-7848 2653-7112 2670-9006 2711-7298 2719-7348 2724-7670 2610-7135 2611-7256 2612-7275 2630-7894 2641-7899 2653-7698 2670-9045 2711-7303 2719-7354 2724-7691 2610-7137 2611-7257 2612-7282 2630-7895 2642-7118 2653-7702 2670-9059 2711-7317 2719-7376 2724-7726 2610-7141 2611-7269 2612-7289 2630-7908 2642-7119 2653-7728 2670-9062 2711-7345 2719-7401 2724-7730 2610-7143 2611-7274 2612-7300 2630-7918 2642-7128 2653-7740 2670-9069 2711-7349 2719-7403 2724-7739 2610-7152 2611-7276 2612-7308 2630-7928 2642-7129 2653-7751 2670-9076 2711-7362 2719-7422 2724-7748 2610-7154 2611-7278 2612-7314 2630-8980 2642-7130 2653-7795 2670-9102 2711-7372 2719-7429 2724-7754 2610-7155 2611-7296 2612-7315 2631-7754 2642-7134 2653-7796 2710-7058 2711-7598 2719-7595 2724-7770 2610-7156 2611-7343 2612-7316 2631-7756 2642-7139 2653-7816 2710-7090 2711-7622 2719-7919 2724-7966 2610-7157 2611-7351 2612-7320 2631-7768 2642-7146 2654-7015 2710-7092 2711-8256 2719-8342 2724-7986 2610-7165 2611-7365 2612-7330 2631-7774 2642-7151 2654-7039 2710-7095 2711-8312 2719-8383 2724-7987 2610-7166 2611-7394 2612-7340 2631-7777 2642-7161 2654-7080 2710-7097 2711-8364 2719-8392 2724-8004 2610-7186 2611-7429 2612-7345 2631-7807 2642-7828 2654-7084 2710-7101 2711-8456 2719-8413 2724-8013 2610-7225 2611-7430 2612-7392 2631-7841 2642-7833 2654-7328 2710-7103 2711-8657 2719-8416 2724-8021 2610-7247 2611-7443 2612-7469 2631-7845 2642-7907 2654-7332 2710-7106 2711-8828 2719-8522 2724-8030 2610-7248 2611-7477 2612-7555 2631-8140 2642-7935 2654-7337 2710-7110 2711-8938 2719-8549 2724-8033 2610-7249 2611-7489 2612-8704 2631-8180 2642-7960 2654-7340 2710-7119 2711-9015 2719-8672 2724-8034 2610-7254 2611-7515 2612-8763 2631-8208 2642-8018 2654-7347 2710-7122 2711-9231 2719-8722 2724-8039 2610-7277 2611-7516 2612-8988 2631-8214 2642-8138 2654-7348 2710-7125 2712-7411 2719-8845 2724-8042 2610-7297 2611-7535 2612-9036 2631-8231 2650-7051 2654-7349 2710-7127 2712-7412 2719-8865 2724-8046 2610-7354 2611-7551 2612-9104 2631-8251 2650-7053 2654-7350 2710-7140 2712-7424 2719-8885 2724-8050 2610-7355 2611-8717 2613-7865 2631-8260 2650-7054 2654-7351 2710-7141 2712-9062 2719-8911 2724-8057 2610-7359 2611-8784 2613-8858 2631-8267 2650-7057 2654-7354 2710-7739 2712-9064 2719-9019 2724-8064 2610-7373 2611-8906 2613-8867 2631-8274 2650-7059 2654-7366 2710-7809 2712-9135 2719-9025 2724-8066 2610-7378 2611-9049 2620-8388 2631-8296 2650-7067 2654-7371 2710-7814 2712-9159 2719-9029 2724-8079 2610-7467 2611-9064 2620-8435 2631-8448 2650-7075 2654-7373 2710-7871 2719-7001 2719-9221 2724-8097 2610-8498 2611-9116 2620-8438 2631-8481 2650-7534 2654-7381 2710-7974 2719-7006 2719-9268 2724-8100 2611-7029 2611-9133 2620-8507 2631-8499 2650-7582 2654-7382 2710-8030 2719-7017 2720-7122 2724-8101 2611-7049 2612-7041 2620-8547 2631-9063 2650-7598 2654-7395 2710-8068 2719-7028 2720-7798 2724-8126 2611-7054 2612-7069 2620-8752 2631-9108 2651-7603 2654-7403 2710-8126 2719-7029 2720-7826 2724-8136 2611-7070 2612-7083 2620-9078 2632-8155 2651-7608 2654-7422 2710-8136 2719-7031 2720-7849 2724-8138 2611-7087 2612-7085 2621-8451 2632-8158 2652-7000 2654-7491 2710-8149 2719-7044 2720-7882 2724-8151 2611-7093 2612-7091 2622-7582 2632-8163 2652-7017 2654-7644 2710-8150 2719-7150 2724-7107 2724-8156 2611-7121 2612-7111 2622-7711 2632-8170 2652-7022 2654-8188 2710-8152 2719-7152 2724-7116 2724-8158 2611-7124 2612-7126 2622-7735 2632-9022 2652-7034 2654-8238 2710-8156 2719-7182 2724-7117 2724-8182 2611-7127 2612-7136 2622-7737 2632-9086 2652-7076 2660-8007 2710-9308 2719-7188 2724-7139 2724-8196 2611-7129 2612-7150 2622-7738 2640-7175 2652-7081 2660-8009 2711-7015 2719-7189 2724-7147 2724-8203 2611-7134 2612-7169 2622-8366 2640-8076 2652-7305 2660-8020 2711-7026 2719-7206 2724-7165 2724-8226 2611-7148 2612-7170 2622-8390 2640-8115 2652-7309 2670-7878 2711-7039 2719-7211 2724-7166 2724-8251 2611-7168 2612-7171 2622-8469 2641-7124 2652-7457 2670-8032 2711-7041 2719-7214 2724-7184 2724-8267 2611-7178 2612-7175 2622-8518 2641-7126 2652-7467 2670-8052 2711-7161 2719-7231 2724-7623 2724-8277 2611-7180 2612-7179 2622-8566 2641-7127 2652-7472 2670-8061 2711-7162 2719-7240 2724-7634 2724-8283 2611-7191 2612-7198 2622-8645 2641-7143 2652-7476 2670-8083 2711-7167 2719-7246 2724-7639 2724-8301 2611-7195 2612-7209 2622-8721 2641-7150 2652-7485 2670-8194 2711-7226 2719-7250 2724-7640 2724-8306 Exhibit "F" Group 1(cont) 272483O7 27397363 275O7125 2810-8294 2830-7939 2843-7383 2918-7133 2929-7742 3011-8011 3039-8605 2724-8310 2739-7370 2750-7177 2812-7105 2830-7960 2843-8378 2918-8041 2929-7746 3011-8018 3039-8614 2724-8316 2739-7454 2750-7728 2812-7113 2830-7972 2843-8399 2918-8049 2929-7765 3011-8023 3039-8620 2724-8319 2739-7456 2750-7973 2812-7117 2830-8586 2863-7166 2918-8076 2929-7766 3011-8917 3039-8621 2724-8326 2739-7458 2750-8008 2812-7126 2830-8600 2863-7399 2918-8090 2929-7767 3012-7151 3039-8626 2724-8327 2739-7470 2750-8025 2812-7143 2839-7085 2865-7333 2918-8104 2929-7774 3012-7152 3039-8631 2724-8334 2739-7504 2750-8052 2812-7145 2839-7160 2865-8092 2918-8120 2929-7778 3012-7173 3040-8287 2724-8348 2739-7567 2750-8264 2812-7678 2839-7190 2910-7437 2919-7132 2929-7783 3012-7178 3040-8292 2724-8384 2739-7643 2759-7081 2813-7162 2839-7191 2910-7450 2919-7146 2929-7789 3012-7180 3040-8299 2724-8416 2739-7648 2759-7098 2813-7197 2839-7202 2910-7467 2919-7345 2929-7800 3020-7414 3040-8300 2724-8417 2740-7375 2759-7100 2813-7200 2839-7207 2910-7469 2919-7362 2960-7573 3020-7512 3040-8307 2724-8424 2740-7381 2759-7108 2813-7201 2839-7212 2910-7471 2919-7364 2960-7581 3020-7528 3040-8325 2724-8430 2740-7383 2759-7148 2813-7809 2839-7223 2910-7497 2919-7368 2960-7582 3020-7530 3040-8326 2724-8455 2740-7404 2759-7149 2815-7290 2839-7243 2910-7505 2919-7375 2960-7585 3020-7536 3040-8330 2724-8460 2740-7429 2759-7182 2815-7298 2839-7835 2910-7512 2919-7417 2960-7609 3020-7593 3040-8337 2724-8464 2740-7430 2759-7183 2815-7325 2839-7836 2910-7545 2919-7419 2960-7638 3020-7600 3040-8339 2724-8470 2740-7460 2759-7665 2815-7327 2839-7844 2911-7296 2919-7524 2960-7640 3020-7622 3040-8349 2724-8479 2740-8653 2759-7772 2815-7368 2839-7856 2911-7310 2919-7532 2960-8151 3021-7034 3041-8210 2724-8485 2749-7002 2759-7774 2815-8041 2839-7861 2912-7005 2919-7567 3010-7085 3021-7046 3041-8211 2724-8513 2749-7005 2759-7816 2815-8639 2839-7982 2912-7027 2920-7751 3010-7089 3021-7047 3041-8218 2724-8537 2749-7014 2759-7822 2819-7088 2839-7983 2912-7063 2920-7756 3010-7159 3021-7373 3041-8359 2724-8540 2749-7019 2759-7839 2819-7130 2839-7987 2912-7332 2920-7761 3010-7163 3021-7405 3049-7197 2724-8542 2749-7026 2759-7906 2819-7135 2839-7992 2912-7394 2921-7666 3010-7855 3021-7472 3049-7199 2724-8594 2749-7035 2759-7907 2819-7142 2839-7996 2912-7395 2921-7707 3010-7858 3021-7668 3049-8213 2724-8616 2749-7038 2759-7917 2820-7423 2839-8000 2912-7396 2921-7710 3010-7876 3021-7682 3049-8217 2724-8617 2749-7058 2759-7932 2820-7502 2839-8003 2912-7410 2921-7721 3010-7887 3021-8867 3049-8220 2724-8642 2749-7061 2759-7936 2820-7513 2839-8010 2912-7411 2921-7763 3010-8092 3022-8403 3049-8222 2724-8644 2749-7062 2759-8108 2820-7528 2839-8013 2912-7648 2921-7770 3011-7064 3022-8405 3049-8225 2724-8662 2749-7063 2759-8115 2820-7566 2839-8022 2912-8156 2921-7772 3011-7066 3022-8408 3049-8226 2724-8672 2749-7064 2759-8124 2829-7006 2839-8023 2913-7816 2921-7799 3011-7094 3022-8409 3049-8231 2730-7027 2749-7068 2759-8128 2829-7018 2839-8582 2913-7838 2921-7801 3011-7098 3023-7301 3049-8235 2730-7384 2749-7071 2759-8137 2829-7020 2840-7378 2913-7853 2929-7074 3011-7100 3023-7311 3049-8244 2730-7391 2749-7077 2759-8155 2829-7402 2840-8446 2913-7860 2929-7075 3011-7112 3023-8695 3049-8246 2730-7393 2749-7079 2759-8172 2829-7416 2840-8493 2913-7889 2929-7676 3011-7774 3030-8500 3049-8252 2730-7395 2749-7081 2759-8205 2829-7483 2840-8507 2913-7912 2929-7684 3011-7775 3030-8519 3049-8253 2730-7397 2749-7087 2759-8240 2830-7178 2840-8517 2914-7102 2929-7686 3011-7801 3030-8523 3049-8255 2730-7405 2749-7099 2759-8259 2830-7182 2840-8653 2914-7106 2929-7687 3011-7802 3030-8542 3049-8257 2730-7406 2749-7176 2810-7077 2830-7808 2841-7014 2914-7113 2929-7696 3011-7819 3030-8552 3049-8258 2730-7433 2749-7180 2810-7090 2830-7871 2841-7045 2914-7943 2929-7698 3011-7828 3030-8565 3049-8268 2730-7445 2749-7288 2810-7098 2830-7884 2841-7413 2914-7977 2929-7700 3011-7833 3031-7265 3049-8280 2739-7010 2749-7312 2810-7108 2830-7888 2842-7264 2914-7990 2929-7711 3011-7893 3031-7266 3049-8724 2739-7011 2749-7319 2810-7122 2830-7915 2842-7265 2914-8014 2929-7715 3011-7902 3031-8457 3049-8729 2739-7049 2749-7331 2810-7344 2830-7921 2842-7267 2914-8143 2929-7720 3011-7926 3031-8465 3070-7000 2739-7058 2749-7346 2810-8099 2830-7927 2842-7391 2914-8154 2929-7727 3011-7935 3031-8479 3070-7002 2739-7287 2749-7358 2810-8146 2830-7929 2842-7407 2915-7127 2929-7729 3011-7956 3031-8492 3070-7005 2739-7293 2749-7507 2810-8153 2830-7932 2842-8316 2915-7142 2929-7730 3011-7958 3031-8498 3070-7242 2739-7335 2749-7621 2810-8173 2830-7935 2842-8320 2915-8069 2929-7733 3011-7983 3031-8575 3070-7244 2739-7351 2750-7005 2810-8242 2830-7938 2843-7376 2915-8071 2929-7734 3011-7996 3031-8767 3070-7409 Exhibit "F" Group 1(cont) 3O7O7412 3113-7652 3130-8377 3149-8269 3211-7282 3211-7796 3220-7755 3222-7359 3222-8132 3222-8612 3070-7439 3113-7678 3130-8412 3149-8629 3211-7307 3211-7801 3220-7776 3222-7370 3222-8137 3222-8643 3070-7448 3113-8085 3130-8465 3149-8895 3211-7308 3211-7802 3220-7783 3222-7398 3222-8142 3222-8644 3070-7453 3113-8786 3130-8467 3149-9016 3211-7318 3211-7805 3220-7807 3222-7415 3222-8143 3222-8648 3070-7525 3119-7170 3130-8492 3163-8649 3211-7320 3211-7815 3220-7829 3222-7419 3222-8145 3224-8402 3070-7688 3119-7177 3130-8723 3210-7082 3211-7338 3211-7834 3220-7832 3222-7423 3222-8146 3224-8414 3070-7705 3119-7223 3130-8728 3210-7112 3211-7340 3211-7847 3220-7834 3222-7434 3222-8148 3224-8426 3070-7709 3119-7252 3130-9056 3210-7593 3211-7351 3211-7851 3220-7839 3222-7446 3222-8157 3224-8427 3070-7721 3119-7265 3130-9096 3210-7594 3211-7356 3211-8037 3220-7841 3222-7492 3222-8158 3224-8430 3070-7725 3119-7320 3130-9315 3210-7599 3211-7360 3211-8051 3220-7844 3222-7508 3222-8160 3224-8440 3070-7727 3119-7367 3131-7257 3210-7604 3211-7367 3211-8127 3220-7847 3222-7512 3222-8163 3230-7495 3070-7748 3119-7403 3131-7267 3210-7614 3211-7374 3211-8149 3220-7849 3222-7525 3222-8165 3230-7501 3070-8366 3119-7702 3131-7291 3210-7619 3211-7379 3211-8150 3220-7880 3222-7529 3222-8168 3230-7509 3070-8369 3119-7881 3131-7377 3210-7623 3211-7400 3212-8019 3220-7893 3222-7544 3222-8188 3230-7518 3070-8387 3119-8072 3131-7379 3210-7628 3211-7407 3212-8026 3220-7897 3222-7548 3222-8198 3230-7525 3070-8421 3119-8153 3131-7393 3210-7629 3211-7414 3212-8028 3220-7899 3222-7561 3222-8200 3230-7532 3070-8424 3119-8156 3131-7762 3210-7631 3211-7415 3213-7076 3220-7913 3222-7563 3222-8213 3230-7537 3070-8434 3119-8161 3131-7772 3210-7632 3211-7426 3213-7864 3220-7915 3222-7567 3222-8229 3230-7543 3070-8441 3119-8169 3131-8260 3210-7641 3211-7437 3213-7865 3220-7932 3222-7578 3222-8245 3230-7564 3070-8443 3119-8174 3131-8261 3210-7650 3211-7449 3213-7866 3220-7935 3222-7588 3222-8248 3230-7588 3070-8662 3119-8574 3131-8336 3210-7652 3211-7459 3213-7867 3220-7945 3222-7599 3222-8255 3230-7595 3070-8671 3119-8578 3131-8667 3210-7664 3211-7460 3213-7875 3220-7948 3222-7606 3222-8260 3230-7601 3070-8745 3119-8585 3131-8757 3210-8166 3211-7464 3213-7892 3220-7955 3222-7608 3222-8263 3230-7613 3070-8761 3119-8907 3131-8762 3211-7028 3211-7473 3213-7895 3220-7971 3222-7630 3222-8271 3230-7615 3070-8771 3119-8931 3131-8764 3211-7044 3211-7477 3213-7899 3220-7975 3222-7636 3222-8276 3231-7319 3070-8875 3119-8934 3131-8917 3211-7059 3211-7484 3213-7902 3220-8459 3222-7658 3222-8296 3231-7331 3070-8877 3119-8964 3131-8944 3211-7083 3211-7486 3213-7906 3220-8531 3222-7683 3222-8297 3231-7336 3110-7885 3119-8985 3131-9264 3211-7097 3211-7490 3213-7907 3221-7210 3222-7686 3222-8304 3231-7386 3110-7887 3119-9005 3140-7426 3211-7126 3211-7517 3213-7910 3221-7215 3222-7687 3222-8307 3232-7027 3110-7905 3119-9314 3140-7846 3211-7127 3211-7526 3213-7911 3221-7232 3222-7694 3222-8317 3232-7031 3110-7927 3119-9333 3140-8550 3211-7139 3211-7531 3213-7915 3221-7273 3222-7728 3222-8318 3232-7142 3110-7930 3120-8094 3140-8831 3211-7168 3211-7548 3213-7929 3221-7279 3222-7987 3222-8322 3232-7149 3110-7933 3120-8100 3140-8859 3211-7173 3211-7558 3213-7950 3221-7492 3222-7992 3222-8350 3232-7419 3110-7953 3122-7037 3140-8871 3211-7174 3211-7561 3213-7954 3221-7497 3222-7998 3222-8351 3232-7422 3110-7957 3122-7045 3140-8886 3211-7175 3211-7562 3213-7975 3221-7498 3222-8005 3222-8352 3232-7423 3110-7993 3122-7046 3140-8968 3211-7177 3211-7571 3213-7985 3221-8517 3222-8018 3222-8359 3232-7425 3110-8039 3122-7047 3149-7311 3211-7196 3211-7575 3213-8001 3222-7005 3222-8022 3222-8369 3232-7426 3111-7529 3122-7608 3149-7341 3211-7198 3211-7580 3213-8009 3222-7026 3222-8027 3222-8371 3232-7444 3111-7551 3130-7192 3149-7354 3211-7214 3211-7626 3213-8063 3222-7045 3222-8037 3222-8379 3232-7445 3111-7552 3130-7437 3149-7359 3211-7216 3211-7675 3213-8123 3222-7051 3222-8054 3222-8383 3232-7451 3111-7565 3130-7449 3149-7400 3211-7218 3211-7686 3214-8161 3222-7052 3222-8069 3222-8389 3232-7456 3111-7588 3130-7751 3149-7407 3211-7224 3211-7691 3220-7001 3222-7072 3222-8072 3222-8390 3232-7470 3111-7593 3130-8063 3149-7713 3211-7237 3211-7697 3220-7023 3222-7079 3222-8092 3222-8399 3232-7477 3111-7602 3130-8319 3149-7717 3211-7253 3211-7743 3220-7059 3222-7104 3222-8105 3222-8469 3232-7486 3113-7117 3130-8341 3149-7718 3211-7257 3211-7750 3220-7078 3222-7132 3222-8119 3222-8502 3232-7494 3113-7225 3130-8346 3149-7809 3211-7259 3211-7756 3220-7187 3222-7163 3222-8121 3222-8548 3232-7630 3113-7274 3130-8357 3149-7859 3211-7276 3211-7758 3220-7623 3222-7337 3222-8124 3222-8566 3232-7634 3113-7651 3130-8358 3149-8087 3211-7280 3211-7770 3220-7715 3222-7340 3222-8129 3222-8583 3232-7638 Exhibit "F" Group 1(cont) 3232-7639 3251-7075 3252-7126 3232-7643 3251-7083 3252-7202 3232-7652 3251-7084 3252-7203 3233-7066 3251-7086 3252-7204 3233-8032 3251-7087 3252-7205 3233-8074 3251-7123 3252-7206 3233-8076 3251-8006 3252-7211 3233-8082 3251-8008 3252-7215 3233-8334 3251-8011 3252-7219 3233-8358 3251-8018 3252-7221 3240-7838 3251-8030 3252-7222 3240-7890 3251-8033 3252-7227 3240-7941 3251-8034 3252-7230 3240-7950 3251-8041 3252-7233 3240-7954 3251-8052 3252-7235 3241-7008 3251-8056 3252-8003 3241-7014 3251-8057 8000-0008 3241-7017 3251-8062 8000-0013 3241-7246 3251-8067 3241-7267 3251-8093 3241-7307 3251-8097 3241-7338 3251-8098 3241-7395 3251-8101 3241-8398 3251-8102 3241-8444 3251-8121 3243-7671 3251-8124 3243-7719 3251-8126 3243-7761 3251-8127 3243-7771 3251-8228 3243-7777 3251-8236 3243-7782 3251-8237 3250-7089 3251-8243 3250-7098 3251-8249 3250-7216 3251-8250 3250-8153 3251-8255 3250-8161 3251-8257 3250-8162 3251-8258 3250-8179 3251-8269 3250-8188 3251-8275 3250-8192 3251-8277 3250-8201 3251-8283 3250-8203 3251-8299 3250-8212 3251-8372 3250-8213 3251-8373 3250-8219 3251-8375 3250-8225 3251-8379 3250-8413 3251-8381 3251-7063 3252-7004 Exhibit "F" Group 2 Tier 1 Total RTs: 2,714 Select Group 2 Tier 1 Transit Routing Numbers O11OOO2O 0114-0168 0212-0296 0213-0682 0260-7298 0312-0780 0313-1861 0412-0567 0422-0503 0440-0064 0110-0039 0114-0195 0212-0331 0213-0770 0260-7307 0312-8882 0313-1905 0412-0643 0422-0730 0440-0080 0110-0123 0114-0200 0212-0334 0213-1003 0280-0032 0313-0001 0319-0148 0412-0704 0422-0773 0440-0216 0110-0174 0114-0202 0212-0350 0213-1310 0280-0108 0313-0046 0319-0168 0412-1065 0422-1017 0440-0267 0110-0255 0115-0001 0212-0368 0214-0446 0280-0148 0313-0057 0319-0183 0412-1098 0422-1506 0440-0280 0110-0287 0115-0033 0212-0379 0214-0666 0310-0001 0313-0066 0319-0192 0412-1129 0422-1524 0441-0116 0110-0709 0115-0107 0212-0440 0214-0846 0310-0002 0313-0082 0319-0209 0412-1138 0423-0542 0441-0130 0111-0001 0116-0003 0212-0465 0214-0956 0310-0003 0313-0083 0319-0259 0412-1381 0423-0722 0441-0236 0111-0010 0116-0052 0212-0501 0214-1008 0310-0005 0313-0105 0319-0292 0412-1468 0423-1547 0441-0297 0111-0080 0116-0057 0212-0525 0214-1069 0310-0009 0313-0119 0319-0293 0412-1501 0430-0009 0441-0352 0111-0089 0118-0100 0212-0537 0214-1211 0310-0050 0313-0131 0319-1278 0412-1503 0430-0012 0441-0694 0111-0091 0118-0105 0212-0587 0214-1393 0310-0089 0313-0142 0319-1343 0412-1527 0430-0026 0441-0864 0111-0152 0118-0418 0212-0653 0214-7302 0310-0117 0313-0153 0360-0180 0412-1553 0430-0063 0441-1118 0111-0175 0119-0025 0212-0656 0219-0032 0311-0004 0313-0154 0360-0242 0412-1571 0430-0071 0441-1509 0111-0308 0119-0044 0212-0671 0219-0174 0311-0008 0313-0159 0360-7615 0412-1577 0430-0102 0441-1512 0111-0309 0119-0057 0212-0704 0219-0235 0311-0009 0313-0196 0410-0015 0412-8453 0430-0202 0441-1551 0111-0404 0119-0065 0212-0705 0219-0584 0311-0013 0313-0213 0410-0103 0420-0001 0430-0290 0441-1580 0111-0420 0119-0135 0212-0713 0219-0597 0311-0017 0313-0244 0410-0124 0420-0031 0430-1886 0442-0250 0111-0432 0119-0140 0212-0716 0219-0693 0311-0022 0313-0260 0410-0220 0420-0039 0432-0507 0442-0385 0111-1067 0119-0165 0212-0720 0219-0757 0311-0035 0313-0263 0410-0271 0420-0042 0432-0701 0442-0728 0112-0002 0210-0001 0212-0723 0219-0828 0311-0046 0313-0269 0412-0005 0420-1542 0433-0071 0442-1216 0112-0036 0210-0067 0212-0728 0219-1090 0311-0047 0313-0274 0412-0008 0421-0004 0433-0073 0510-0001 0112-0060 0210-0131 0212-0741 0219-7301 0311-0049 0313-0278 0412-0014 0421-0017 0433-0121 0510-0002 0112-0133 0210-0148 0212-0999 0220-0002 0311-0086 0313-0281 0412-0045 0421-0018 0433-0160 0510-0010 0112-0153 0210-0482 0212-1000 0220-0012 0311-0097 0313-0295 0412-0055 0421-0019 0433-0162 0510-0025 0113-0025 0211-0032 0212-1004 0220-0083 0311-0100 0313-0405 0412-0076 0421-0023 0433-0187 0510-0032 0113-0060 0211-0110 0212-1304 0223-0001 0311-0101 0313-0472 0412-0111 0421-0027 0433-0249 0510-0141 0113-0160 0211-0142 0212-1323 0223-0016 0311-0114 0313-0534 0412-0151 0421-0113 0433-0344 0510-0524 0113-0164 0211-0143 0212-1333 0223-0018 0311-0115 0313-0559 0412-0170 0421-0119 0433-0383 0510-0677 0113-0179 0211-0147 0212-1475 0223-0122 0311-0118 0313-0574 0412-0190 0421-0192 0433-0388 0510-0929 0113-0194 0211-0327 0212-7265 0223-0125 0311-0120 0313-0610 0412-0193 0421-0209 0433-0423 0514-0036 0113-0203 0211-0993 0212-7267 0223-1300 0312-0073 0313-0613 0412-0199 0421-0211 0433-0513 0514-0050 0113-0222 0211-1308 0213-0001 0260-0262 0312-0077 0313-0616 0412-0200 0421-0225 0433-0682 0514-0054 0113-0229 0211-1426 0213-0007 0260-0497 0312-0111 0313-0679 0412-0211 0421-0226 0433-0840 0514-0064 0113-0235 0211-7266 0213-0033 0260-0505 0312-0132 0313-0736 0412-0258 0421-0229 0433-0862 0514-0070 0113-0243 0212-0009 0213-0038 0260-0509 0312-0137 0313-0786 0412-0263 0421-0324 0433-0997 0514-0073 0113-0251 0212-0040 0213-0042 0260-0565 0312-0146 0313-0931 0412-0266 0421-0424 0433-1028 0514-0127 0113-0292 0212-0055 0213-0055 0260-0679 0312-0208 0313-0938 0412-0270 0421-0706 0433-1416 0514-0133 0113-0293 0212-0095 0213-0062 0260-0750 0312-0277 0313-1273 0412-0292 0421-7448 0433-1756 0514-0236 0113-0312 0212-0098 0213-0064 0260-0758 0312-0305 0313-1326 0412-0337 0422-0027 0433-1767 0514-0265 0113-0574 0212-0101 0213-0070 0260-0788 0312-0332 0313-1356 0412-0381 0422-0029 0433-1809 0514-0342 0113-0649 0212-0138 0213-0077 0260-0885 0312-0506 0313-1362 0412-0382 0422-0091 0433-7458 0514-0351 0113-0707 0212-0150 0213-0108 0260-0959 0312-0508 0313-1449 0412-0389 0422-0137 0434-0003 0514-0363 0113-7513 0212-0194 0213-0167 0260-1150 0312-0591 0313-1627 0412-0416 0422-0178 0434-0119 0514-0391 0114-0007 0212-0216 0213-0186 0260-1288 0312-0595 0313-1702 0412-0471 0422-0194 0434-0163 0514-0411 0114-0049 0212-0217 0213-0256 0260-1289 0312-0760 0313-1738 0412-0529 0422-0219 0434-0328 0514-0426 0114-0114 0212-0219 0213-0262 0260-1379 0312-0763 0313-1859 0412-0552 0422-0226 0440-0001 0514-0496 0114-0153 0212-0260 0213-0297 0260-1395 0312-0764 0313-1860 0412-0563 0422-0242 0440-0002 0514-0498 Group 2 Tier 1(cont) Exhibit "F" 0514-0528 0531-0085 0539-0037 0560-0424 0611-1106 0622-0111 0631-0421 0631-1563 0641-0737 0652-0256 0514-0705 0531-0112 0539-0147 0560-0472 0611-1244 0622-0113 0631-0446 0631-1573 0641-0791 0652-0279 0515-0056 0531-0127 0539-0150 0560-0531 0611-1288 0622-0114 0631-0466 0631-1649 0641-0824 0652-0446 0515-0075 0531-0129 0539-0219 0560-0738 0611-1327 0622-0116 0631-0469 0631-1658 0641-0838 0652-0476 0515-0174 0531-0130 0539-0448 0560-0760 0611-1341 0622-0122 0631-0497 0632-0040 0641-0875 0652-0488 0515-0245 0531-0139 0540-0003 0560-0885 0611-1942 0622-0136 0631-0502 0632-0104 0642-0076 0653-0002 0515-0339 0531-0141 0540-0004 0560-0911 0611-1959 0622-0149 0631-0568 0632-0106 0642-0091 0653-0046 0515-0454 0531-0152 0540-0055 0560-0926 0611-1996 0622-0160 0631-0579 0632-0666 0642-0093 0653-0069 0515-0466 0531-0153 0540-0080 0560-0948 0611-2072 0622-0181 0631-0597 0632-0746 0642-0126 0653-0081 0519-0170 0531-0156 0540-0120 0560-7350 0611-2074 0622-0200 0631-0600 0632-1011 0642-0132 0653-0092 0519-0232 0531-0162 0540-0122 0570-0066 0611-9263 0622-0213 0631-0612 0632-1012 0642-0145 0653-0110 0519-0376 0531-0171 0540-0154 0610-0001 0612-0052 0622-0215 0631-0614 0640-0001 0642-0156 0653-0115 0519-0452 0531-0246 0540-0158 0610-0005 0612-0086 0622-0217 0631-0626 0640-0002 0642-0188 0653-0119 0520-0001 0531-0270 0540-0170 0610-0007 0612-0272 0622-0253 0631-0644 0640-0004 0642-0271 0653-0160 0520-0011 0531-0484 0540-0172 0610-0010 0612-0403 0622-0256 0631-0662 0640-0005 0642-0361 0653-0194 0520-0016 0531-0763 0550-0011 0610-0022 0612-0457 0622-0273 0631-0739 0640-0228 0642-0362 0653-0204 0520-0061 0531-0796 0550-0016 0610-0025 0612-0975 0622-0276 0631-0749 0640-0339 0642-0434 0653-0270 0520-0089 0531-0798 0550-0026 0610-0132 0613-0036 0622-0280 0631-0761 0640-0376 0642-0591 0653-0295 0520-0163 0531-0858 0550-0028 0610-0358 0613-0171 0622-0295 0631-0818 0640-0396 0642-0719 0653-0306 0520-0196 0531-0908 0550-0037 0610-0381 0613-0241 0622-0304 0631-0860 0640-0520 0642-0729 0653-0543 0520-0216 0531-0920 0550-0061 0610-2031 0613-0728 0622-0322 0631-0892 0640-0944 0642-0777 0653-0590 0521-0040 0531-0950 0550-0065 0611-0079 0620-0001 0622-0373 0631-0905 0641-0067 0642-0789 0654-0014 0521-0072 0531-1011 0550-0077 0611-0115 0620-0008 0622-0374 0631-0942 0641-0085 0642-0798 0654-0068 0521-0089 0531-1030 0550-0105 0611-0137 0620-0118 0622-0375 0631-0943 0641-0090 0642-0804 0654-0071 0521-0092 0531-1040 0550-0112 0611-0173 0620-0131 0622-0398 0631-0993 0641-0117 0642-0816 0654-0075 0521-0097 0531-1050 0550-0115 0611-0248 0620-0397 0622-0472 0631-1005 0641-0138 0642-0819 0654-0089 0521-0110 0531-1051 0550-0138 0611-0256 0620-0409 0622-0478 0631-1009 0641-0139 0642-0826 0654-0100 0521-0158 0531-1073 0550-0169 0611-0263 0620-0569 0622-0479 0631-1024 0641-0143 0650-0009 0654-0118 0521-0221 0531-1163 0550-0176 0611-0279 0621-0097 0622-0519 0631-1105 0641-0155 0650-0107 0654-0119 0521-0259 0531-1165 0550-0187 0611-0280 0621-0137 0622-0590 0631-1116 0641-0157 0650-0142 0654-0124 0521-7346 0531-1172 0550-0224 0611-0305 0621-0141 0622-0619 0631-1210 0641-0167 0650-0203 0654-0136 0522-0434 0531-1184 0550-0228 0611-0311 0621-0146 0622-0641 0631-1224 0641-0239 0650-0254 0654-0154 0530-0018 0531-1199 0550-0233 0611-0326 0621-0148 0630-0002 0631-1229 0641-0281 0650-0345 0654-0160 0530-0019 0531-1200 0550-0234 0611-0352 0621-0227 0630-0004 0631-1283 0641-0303 0651-0029 0654-0171 0530-0021 0531-1259 0550-0248 0611-0359 0621-0293 0630-0005 0631-1287 0641-0307 0651-0148 0654-0192 0530-0393 0532-0001 0550-0253 0611-0361 0621-0313 0630-0956 0631-1305 0641-0355 0651-0332 0654-0200 0530-1202 0532-0006 0550-0255 0611-0362 0621-0555 0630-1308 0631-1322 0641-0357 0651-0461 0654-0216 0531-0002 0532-0044 0550-0270 0611-0389 0621-0597 0630-1392 0631-1326 0641-0359 0652-0018 0654-0231 0531-0003 0532-0160 0550-0286 0611-0396 0622-0036 0630-1615 0631-1350 0641-0370 0652-0022 0654-0233 0531-0025 0532-0161 0550-0309 0611-0414 0622-0038 0631-0027 0631-1365 0641-0383 0652-0024 0654-0236 0531-0035 0532-0180 0550-0316 0611-0436 0622-0046 0631-0055 0631-1372 0641-0387 0652-0028 0654-0249 0531-0040 0532-0181 0550-0320 0611-0441 0622-0062 0631-0062 0631-1377 0641-0402 0652-0034 0654-0289 0531-0046 0532-0188 0550-0327 0611-0456 0622-0069 0631-0068 0631-1384 0641-0435 0652-0087 0654-0342 0531-0049 0532-0203 0550-0330 0611-0471 0622-0075 0631-0071 0631-1458 0641-0527 0652-0104 0654-0362 0531-0052 0532-0730 0550-0349 0611-0486 0622-0078 0631-0116 0631-1512 0641-0564 0652-0106 0654-0387 0531-0055 0532-0776 0550-7355 0611-0706 0622-0088 0631-0215 0631-1517 0641-0656 0652-0111 0654-0441 0531-0069 0532-7407 0560-0101 0611-1019 0622-0106 0631-0319 0631-1519 0641-0704 0652-0116 0654-0491 0531-0073 0539-0022 0560-0408 0611-1089 0622-0108 0631-0391 0631-1552 0641-0708 0652-0134 0654-0511 Exhibit "F" Group 2 Tier 1(cont) O654O513 0670-1370 0711-0196 0719-0886 0719-2319 0724-0158 0724-1350 0749-0330 0759-0108 0810-0546 0654-0525 0670-1402 0711-0199 0719-0919 0719-2325 0724-0160 0724-1356 0749-0333 0759-0112 0810-0605 0654-0541 0670-1412 0711-0218 0719-0921 0719-2328 0724-0168 0724-1360 0749-0335 0759-0127 0810-0619 0655-0278 0670-1418 0711-0232 0719-0924 0719-2331 0724-0183 0724-1367 0749-0356 0759-0135 0810-0981 0660-0058 0670-1433 0711-0256 0719-0925 0719-2332 0724-0203 0724-1373 0749-0371 0759-0148 0810-1086 0660-0219 0670-1482 0711-0299 0719-0936 0719-2354 0724-0211 0724-1375 0749-0376 0759-0171 0810-1693 0660-0531 0670-1547 0711-0361 0719-1002 0719-2369 0724-0219 0724-1387 0749-0389 0759-0172 0810-1879 0660-0550 0670-1585 0711-0471 0719-1141 0719-2370 0724-0234 0724-1388 0749-0395 0759-0199 0810-1910 0660-0768 0670-9171 0711-0688 0719-1158 0719-2374 0724-0236 0724-1404 0749-0413 0759-0206 0810-2520 0660-1037 0670-9178 0711-0940 0719-1178 0719-2390 0724-0265 0724-1409 0749-0418 0759-0234 0810-7450 0660-1408 0670-9213 0711-2147 0719-1281 0719-2400 0724-0269 0724-1425 0749-0419 0759-0262 0812-0275 0670-0101 0670-9223 0711-2214 0719-1365 0719-2418 0724-0270 0724-1429 0749-0439 0759-0353 0812-0287 0670-0109 0710-0003 0711-2239 0719-1373 0719-2458 0724-0278 0724-7188 0749-0477 0759-0370 0812-0387 0670-0151 0710-0015 0711-2266 0719-1558 0719-2489 0724-0283 0730-0007 0749-0540 0759-0493 0812-0455 0670-0222 0710-0028 0711-2338 0719-1640 0719-2504 0724-0285 0730-0017 0749-0546 0759-0543 0812-0456 0670-0243 0710-0050 0711-2558 0719-1660 0719-2506 0724-0347 0730-0022 0749-0553 0759-0562 0812-1113 0670-0367 0710-0052 0711-2622 0719-1691 0719-2515 0724-0363 0730-0054 0749-0662 0759-0600 0812-2149 0670-0398 0710-0085 0712-0053 0719-1723 0719-2516 0724-0390 0739-0008 0749-0672 0759-0659 0812-2570 0670-0476 0710-0104 0712-0164 0719-1732 0719-2521 0724-0452 0739-0043 0749-0682 0759-0724 0812-2682 0670-0547 0710-0109 0712-1412 0719-1815 0719-2522 0724-0478 0739-0212 0749-0731 0759-0819 0813-0154 0670-0567 0710-0116 0712-1457 0719-1828 0719-2523 0724-0484 0739-0249 0749-0766 0759-0957 0813-0294 0670-0606 0710-0127 0719-0045 0719-1830 0719-2524 0724-0545 0739-0288 0749-0847 0759-1020 0813-0382 0670-0607 0710-0163 0719-0059 0719-1911 0719-2574 0724-0566 0739-0384 0749-0859 0759-1052 0813-0564 0670-0617 0710-0173 0719-0066 0719-1913 0719-2583 0724-0676 0739-0511 0749-0935 0759-1088 0813-0936 0670-0623 0710-0204 0719-0079 0719-1946 0719-2585 0724-0700 0739-1127 0749-1079 0759-1118 0813-1166 0670-0643 0710-0205 0719-0082 0719-2016 0719-2592 0724-0712 0739-1358 0749-1248 0759-1119 0815-0049 0670-0713 0710-0214 0719-0088 0719-2055 0719-2610 0724-0766 0739-1859 0749-1257 0759-1120 0815-0087 0670-0724 0710-0221 0719-0160 0719-2065 0719-2611 0724-0798 0739-1984 0749-1280 0759-1160 0815-0091 0670-0770 0710-0250 0719-0179 0719-2117 0719-2617 0724-0843 0739-2151 0749-1284 0759-1192 0815-0106 0670-0775 0710-0271 0719-0188 0719-2153 0719-2625 0724-0850 0739-2176 0749-1298 0759-1198 0815-0126 0670-0794 0710-0416 0719-0262 0719-2169 0719-2652 0724-0870 0740-0006 0749-1323 0759-1206 0815-0142 0670-0841 0710-0420 0719-0287 0719-2179 0719-2680 0724-0979 0740-0007 0749-1366 0759-1216 0815-0255 0670-0857 0710-0423 0719-0312 0719-2183 0719-7437 0724-0988 0740-0014 0749-1371 0759-1223 0815-0282 0670-0858 0710-0424 0719-0435 0719-2194 0720-0009 0724-1012 0740-0016 0749-1445 0759-1264 0815-0289 0670-0864 0710-0428 0719-0437 0719-2222 0720-0033 0724-1016 0740-0051 0750-0002 0810-0003 0815-0339 0670-0909 0710-0437 0719-0447 0719-2229 0720-0080 0724-1055 0740-0104 0750-0005 0810-0021 0815-0350 0670-0939 0710-0438 0719-0462 0719-2234 0720-0091 0724-1164 0740-0667 0750-0010 0810-0070 0815-0482 0670-1016 0710-0452 0719-0477 0719-2237 0724-0005 0724-1217 0740-1407 0750-0073 0810-0072 0815-0586 0670-1058 0711-0001 0719-0488 0719-2242 0724-0035 0724-1235 0740-1421 0750-0094 0810-0098 0815-0707 0670-1113 0711-0004 0719-0504 0719-2247 0724-0042 0724-1265 0749-0019 0750-0119 0810-0100 0815-1414 0670-1114 0711-0032 0719-0509 0719-2267 0724-0044 0724-1277 0749-0027 0750-0549 0810-0109 0815-1769 0670-1166 0711-0069 0719-0561 0719-2269 0724-0067 0724-1297 0749-0065 0750-1019 0810-0138 0815-1789 0670-1202 0711-0070 0719-0584 0719-2277 0724-0070 0724-1298 0749-0078 0750-1253 0810-0141 0819-0221 0670-1209 0711-0071 0719-0598 0719-2295 0724-0100 0724-1313 0749-0100 0759-0014 0810-0171 0819-0480 0670-1288 0711-0103 0719-0657 0719-2296 0724-0103 0724-1317 0749-0167 0759-0046 0810-0172 0819-1803 0670-1337 0711-0104 0719-0802 0719-2300 0724-0104 0724-1325 0749-0189 0759-0057 0810-0451 0820-0007 0670-1356 0711-0117 0719-0859 0719-2302 0724-0106 0724-1329 0749-0230 0759-0086 0810-0459 0820-0010 0670-1366 0711-0130 0719-0882 0719-2307 0724-0140 0724-1337 0749-0234 0759-0090 0810-0475 0820-0054 Exhibit "F" Group 2 Tier 1(cont) O82OO188 0830-0234 0842-0127 0913-0001 1011-1226 1022-0022 1031-0249 1031-0950 1049-0091 1070-0253 0820-0711 0830-0836 0842-0130 0913-0002 1011-1293 1022-0124 1031-0259 1031-0952 1049-0093 1070-0260 0820-0779 0830-0906 0842-0141 0913-0003 1011-1368 1022-0252 1031-0273 1031-0958 1049-0114 1070-0284 0829-0038 0830-7445 0842-0176 0914-0004 1011-1407 1023-0024 1031-0296 1031-0971 1049-0156 1070-0301 0829-0042 0839-0036 0842-0226 0914-0068 1011-1481 1023-0109 1031-0302 1031-1004 1049-0161 1070-0302 0829-0043 0839-0061 0842-0229 0914-0850 1011-1482 1023-0120 1031-0310 1031-1023 1049-0166 1070-0329 0829-0048 0839-0068 0842-0299 0914-0948 1011-1501 1023-0716 1031-0314 1031-1039 1049-0199 1070-0335 0829-0051 0839-0073 0842-0422 0915-0140 1012-0003 1030-0001 1031-0324 1031-1081 1049-0211 1070-0360 0829-0075 0839-0162 0842-0465 0918-0029 1012-0045 1030-0061 1031-0330 1031-1090 1049-0236 1070-0361 0829-0091 0839-0165 0842-0555 0918-0254 1012-0051 1030-0080 1031-0333 1031-1115 1049-0339 1070-0366 0829-0093 0839-0174 0842-0580 0918-0329 1012-0092 1030-0145 1031-0350 1031-1125 1049-0444 1070-0414 0829-0096 0839-0185 0843-0059 0918-1125 1012-0095 1030-0180 1031-0357 1031-1161 1049-0583 1070-0435 0829-0106 0839-0210 0843-0060 0919-0001 1012-0568 1030-0209 1031-0360 1031-1203 1049-0623 1070-0438 0829-0110 0839-0215 0843-0063 0919-0046 1012-1156 1030-0363 1031-0376 1031-1235 1049-0808 1070-0445 0829-0119 0839-0237 0843-0114 0919-0049 1012-1763 1030-0916 1031-0412 1031-1242 1049-1034 1070-0461 0829-0121 0839-0281 0843-0118 0919-0069 1012-1870 1030-0957 1031-0413 1031-1245 1049-1079 1070-0463 0829-0126 0839-0410 0843-0137 0919-0109 1012-1885 1030-1284 1031-0422 1031-1250 1049-1301 1070-0478 0829-0130 0839-0426 0843-0141 0919-0866 1012-1901 1030-1290 1031-0429 1031-1251 1049-1316 1070-0504 0829-0134 0839-0544 0843-0208 0929-0038 1019-0154 1030-1296 1031-0448 1031-1255 1049-1328 1070-0525 0829-0144 0839-0555 0843-0261 0929-0298 1019-0165 1031-0021 1031-0454 1031-1285 1049-1349 1070-0529 0829-0154 0839-0556 0843-0374 0929-0455 1019-0182 1031-0061 1031-0481 1039-1266 1049-1391 1070-0531 0829-0162 0839-0758 0843-0567 0929-0516 1019-0194 1031-0087 1031-0482 1039-1288 1049-1397 1070-0548 0829-0182 0839-0820 0843-0650 0929-0527 1019-0209 1031-0095 1031-0487 1039-1295 1049-1401 1070-0549 0829-0185 0839-1394 0843-0695 0960-0075 1019-1766 1031-0101 1031-0488 1040-0001 1049-1408 1070-0560 0829-0190 0839-7428 0863-0004 0960-1679 1019-1824 1031-0102 1031-0494 1040-0002 1049-1411 1070-0580 0829-0257 0839-7446 0865-0008 1010-0001 1020-0002 1031-0110 1031-0511 1040-0005 1070-0015 1070-0592 0829-0268 0840-0001 0865-0014 1010-0003 1020-0007 1031-0120 1031-0519 1040-0048 1070-0026 1070-0597 0829-0329 0840-0002 0865-0034 1010-0007 1020-0090 1031-0135 1031-0521 1040-0084 1070-0027 1070-0598 0829-0397 0840-0008 0865-0306 1010-0018 1020-0093 1031-0137 1031-0539 1040-0085 1070-0032 1070-0605 0829-0448 0840-0081 0865-1873 1010-0069 1020-0096 1031-0154 1031-0548 1040-0180 1070-0062 1070-0630 0829-0649 0840-0093 0910-0001 1010-0117 1020-0156 1031-0158 1031-0553 1040-0289 1070-0078 1070-0634 0829-0651 0840-0094 0910-0002 1010-0168 1020-0275 1031-0160 1031-0563 1040-1412 1070-0079 1070-0636 0829-0668 0840-0154 0910-0103 1010-0191 1020-0320 1031-0173 1031-0609 1041-0157 1070-0090 1070-0639 0829-0704 0840-0428 0910-0115 1010-0331 1020-0451 1031-0175 1031-0616 1041-0209 1070-0105 1070-0643 0829-0713 0840-0695 0910-0127 1010-0603 1020-0591 1031-0185 1031-0618 1041-0287 1070-0106 1070-0644 0829-0746 0840-0885 0910-1489 1010-8929 1020-0602 1031-0198 1031-0628 1041-0528 1070-0107 1070-0651 0829-0754 0840-7432 0910-1522 1011-0002 1020-0637 1031-0207 1031-0677 1041-0887 1070-0113 1070-0655 0829-0758 0841-0072 0910-1649 1011-0004 1020-0640 1031-0210 1031-0740 1041-0973 1070-0125 1070-0665 0829-0777 0841-0132 0910-7161 1011-0015 1020-0729 1031-0216 1031-0741 1041-1240 1070-0145 1070-0666 0829-0782 0841-0462 0911-0145 1011-0042 1020-8992 1031-0219 1031-0748 1041-1303 1070-0167 1070-0681 0829-0788 0841-0613 0911-0147 1011-0054 1021-0091 1031-0220 1031-0762 1041-1366 1070-0180 1070-0690 0829-0856 0841-0705 0912-0096 1011-0057 1021-0151 1031-0229 1031-0824 1049-0004 1070-0181 1070-0693 0829-0887 0841-0762 0912-0130 1011-0063 1021-0164 1031-0230 1031-0844 1049-0032 1070-0196 1070-0694 0830-0005 0841-0789 0912-0184 1011-0085 1021-0311 1031-0232 1031-0875 1049-0034 1070-0214 1110-0001 0830-0010 0841-0790 0912-0355 1011-0103 1021-0399 1031-0234 1031-0920 1049-0045 1070-0219 1110-0075 0830-0071 0842-0056 0912-0358 1011-0231 1021-0526 1031-0236 1031-0926 1049-0052 1070-0226 1110-0080 0830-0092 0842-0063 0912-1555 1011-0372 1021-0581 1031-0245 1031-0937 1049-0067 1070-0231 1110-0118 0830-0131 0842-0121 0912-1592 1011-0722 1021-8928 1031-0248 1031-0939 1049-0072 1070-0250 1110-0420 Exhibit "F" Group 2 Tier 1(cont) 1110-0793 1113-0731 1119-0788 1130-0084 1131-0572 1149-2194 1212-0218 1222-3770 1240-0001 2113-7047 1110-1006 1113-0743 1119-0856 1130-0088 1131-0695 1149-2322 1220-0061 1222-3795 1240-0004 2113-7049 1110-1163 1113-0855 1119-0902 1130-0093 1131-0847 1149-2401 1220-0351 1222-3807 1240-0073 2113-7054 1110-1282 1113-0863 1119-0963 1130-0125 1131-0889 1149-2411 1220-1606 1222-3868 1240-0273 2113-7058 1110-1361 1113-1034 1119-1012 1130-0126 1131-1024 1149-2473 1220-3708 1222-3957 1240-0297 2113-7059 1110-1367 1113-1039 1119-1026 1130-0144 1131-1037 1149-9373 1220-3717 1222-3958 1240-7194 2113-7084 1110-1438 1113-1131 1119-1060 1130-0218 1131-1078 1149-9378 1220-3827 1222-3978 1240-8467 2113-7092 1110-1515 1113-1184 1119-1068 1130-0294 1131-1137 1163-0737 1220-3844 1222-4041 1241-0006 2113-7120 1110-1585 1113-1450 1119-1126 1130-0336 1131-1190 1210-0040 1220-4118 1222-4050 1241-0155 2113-7142 1110-1606 1113-1457 1119-1196 1130-0339 1131-1412 1210-0049 1221-0101 1222-4120 1241-0376 2113-7147 1110-1729 1113-1763 1119-1314 1130-0554 1131-1638 1210-0186 1221-0119 1222-4201 1241-0379 2113-7163 1110-1769 1113-1785 1119-1348 1130-0696 1131-1776 1210-4222 1221-0170 1222-4217 1243-0010 2113-7207 1110-2446 1113-2245 1119-1375 1130-0846 1131-1801 1211-0078 1221-0404 1222-4260 1243-0215 2113-7218 1110-2484 1113-2257 1119-1379 1130-0876 1131-2232 1211-0108 1221-0506 1222-4265 1243-0300 2113-7235 1110-2501 1113-2258 1119-1402 1130-1021 1131-2265 1211-0388 1221-0515 1222-4284 1250-0002 2114-7007 1110-2604 1113-2299 1119-1421 1130-1054 1131-2403 1211-0825 1221-0521 1222-4305 1250-0010 2114-7031 1110-9371 1113-2301 1119-1428 1130-1193 1131-2463 1211-1342 1221-0524 1222-4370 1250-0011 2116-7253 1111-0001 1113-2421 1119-1473 1130-1221 1131-2466 1211-2267 1221-0527 1222-4392 1250-0057 2119-7002 1111-0077 1119-0045 1119-1484 1130-1250 1131-9353 1211-3268 1221-0534 1222-4491 1250-0639 2211-7251 1111-0078 1119-0051 1119-1486 1130-1490 1140-0001 1211-3374 1221-0537 1222-8717 1250-0816 2211-7261 1111-0079 1119-0052 1119-1539 1130-1526 1140-0009 1211-3677 1221-0546 1224-0072 1250-0854 2212-7029 1111-0105 1119-0078 1119-1556 1130-1540 1140-0065 1211-3678 1221-0552 1224-0171 1251-0007 2212-7031 1111-0115 1119-0101 1119-1568 1130-1594 1140-0071 1211-3752 1221-0554 1224-0172 1251-0010 2212-7034 1111-0137 1119-0105 1119-1570 1130-1599 1140-0085 1211-3874 1221-0559 1224-0178 1251-0246 2212-7070 1111-0146 1119-0130 1119-1619 1130-1734 1140-0981 1211-3921 1221-0564 1224-0204 1251-0657 2212-7086 1111-0199 1119-0145 1119-1721 1130-1787 1140-1614 1211-3968 1221-0574 1224-8730 1251-0762 2212-7102 1111-0305 1119-0155 1119-1732 1130-2313 1140-1712 1211-4027 1221-0575 1230-0006 1251-0845 2212-7109 1111-0319 1119-0162 1119-1743 1130-2394 1140-9359 1211-4071 1221-0581 1230-0016 1251-0849 2212-7124 1111-0321 1119-0163 1119-1943 1130-2427 1140-9364 1211-4074 1221-0585 1230-0022 1251-8474 2212-7146 1111-0363 1119-0164 1119-2123 1130-2450 1149-0002 1211-4082 1221-0594 1230-0084 1252-0005 2212-7244 1111-0445 1119-0191 1119-2175 1130-2452 1149-0016 1211-4093 1221-0612 1230-0201 1252-0087 2212-7258 1111-0450 1119-0198 1119-2360 1130-2491 1149-0031 1211-4104 1221-0618 1230-0680 1252-0094 2213-7003 1111-0459 1119-0200 1119-2414 1130-9386 1149-0068 1211-4110 1221-0621 1231-0371 2110-7011 2213-7010 1111-0474 1119-0228 1119-2434 1131-0004 1149-0136 1211-4128 1221-8707 1231-0372 2110-7014 2213-7063 1111-0478 1119-0357 1119-2439 1131-0071 1149-0278 1211-4153 1221-8716 1232-0104 2111-7000 2213-7079 1111-0479 1119-0364 1119-2479 1131-0073 1149-0308 1211-4181 1221-8723 1232-0212 2111-7010 2213-7088 1111-0485 1119-0385 1119-2509 1131-0177 1149-0411 1211-4182 1221-8744 1232-0292 2111-7011 2213-7116 1111-0487 1119-0412 1119-2531 1131-0180 1149-0497 1211-4251 1222-0119 1232-0505 2111-7015 2213-7117 1111-0494 1119-0421 1120-0006 1131-0213 1149-0732 1211-4262 1222-0477 1232-0605 2111-7035 2213-7124 1111-0523 1119-0445 1120-0208 1131-0230 1149-0901 1211-4290 1222-1261 1232-0651 2111-7036 2213-7182 1113-0093 1119-0539 1120-0580 1131-0232 1149-0992 1211-4311 1222-2050 1232-0656 2111-7412 2214-7109 1113-0094 1119-0627 1120-0592 1131-0269 1149-1116 1211-8173 1222-2059 1232-0667 2111-7423 2214-7110 1113-0095 1119-0632 1122-0030 1131-0343 1149-1228 1211-8179 1222-2693 1232-0671 2112-7445 2214-7122 1113-0112 1119-0744 1122-0102 1131-0372 1149-1288 1211-8186 1222-2881 1232-0678 2113-7009 2214-7132 1113-0237 1119-0760 1122-0115 1131-0452 1149-1316 1211-8190 1222-3222 1233-0537 2113-7023 2214-7185 1113-0284 1119-0770 1122-0226 1131-0536 1149-1644 1212-0015 1222-3582 1233-0616 2113-7025 2214-7186 1113-0491 1119-0778 1122-0290 1131-0544 1149-1918 1212-0165 1222-3603 1233-0855 2113-7035 2214-7197 1113-0687 1119-0787 1122-0321 1131-0547 1149-2141 1212-0169 1222-3768 1233-0882 2113-7044 2214-7277 Exhibit "F" Group 2 Tier 1(cont) 2214-7281 2420-7079 2540-7001 2652-7031 2719-7406 2914-7959 3222-7032 2219-7034 2420-7088 2540-7011 2652-7041 2724-7109 2918-7135 3222-7035 2219-7091 2420-7096 2550-7035 2652-7234 2724-7112 2929-7084 3222-7036 2219-7211 2420-7111 2550-7198 2653-7108 2724-7136 3011-7108 3222-7040 2223-7105 2420-7123 2550-7212 2654-7036 2724-7143 3011-7123 3222-7046 2223-7187 2420-7130 2550-7220 2654-7038 2724-7150 3012-7179 3222-7049 2260-7004 2420-7147 2550-7242 2654-7210 2724-7154 3030-8799 3222-7118 2260-7012 2420-7158 2550-7293 2654-7220 2724-7155 3031-7377 3222-7172 2260-7055 2420-7159 2560-7270 2660-8655 2724-7167 3031-8811 3222-7176 2260-7065 2420-7175 2560-7336 2670-8376 2724-7183 3040-7208 3222-7177 2260-7067 2420-7189 2560-7337 2670-8419 2730-7003 3049-7398 3222-7185 2260-7071 2420-7229 2610-7131 2670-8561 2739-7051 3070-7011 3222-7685 2260-7085 2420-7271 2610-7132 2670-8605 2739-7074 3070-7026 3222-8026 2260-7100 2420-7442 2611-7002 2670-8711 2740-7043 3070-7036 3222-8489 2260-7102 2421-7000 2611-7040 2670-8735 2740-7048 3070-7227 3222-8575 2260-7103 2421-7015 2611-7050 2670-8974 2749-7006 3110-7314 3222-8584 2260-7138 2421-7024 2611-7074 2670-9053 2749-7007 3110-7428 3230-7038 2260-7231 2422-7198 2611-7079 2670-9061 2749-7017 3110-9312 3231-7011 2260-7237 2422-7218 2611-7116 2670-9122 2749-7018 3111-7028 3232-7021 2260-7252 2422-7219 2611-7130 2670-9125 2749-7031 3111-7443 3232-7030 2260-7264 2422-7224 2611-7138 2670-9166 2749-7066 3119-7327 3232-7033 2312-7079 2422-7227 2611-7158 2710-7051 2749-7080 3130-7281 3232-7043 2313-7184 2422-7242 2611-7167 2710-7056 2749-7083 3131-7205 3250-7117 2313-7503 2422-7244 2611-7475 2710-7060 2749-7084 3131-7333 3251-7069 2313-7521 2422-7248 2613-8358 2710-7073 2749-7093 3131-7334 3251-7174 2313-7529 2422-7261 2622-8652 2710-7078 2750-7131 3140-7298 3251-8294 2313-7552 2422-7281 2630-8979 2710-7079 2750-7138 3140-8863 2360-7347 2422-7287 2630-9112 2710-7080 2750-7139 3149-7066 2360-7473 2430-7363 2631-7017 2710-7115 2750-7140 3149-7068 2410-7041 2430-7385 2631-8281 2710-7129 2750-7176 3149-7285 2410-7043 2433-7322 2631-8445 2710-7132 2759-7152 3149-7435 2410-7045 2433-7347 2631-8535 2710-7133 2759-7158 3149-7447 2410-7050 2433-7421 2631-8631 2710-7135 2759-7163 3210-7000 2410-7149 2434-7019 2631-8654 2711-7169 2810-7280 3210-7016 2410-7175 2434-7431 2631-8687 2711-7275 2810-7345 3210-7022 2410-7180 2440-7078 2631-8966 2711-8370 2810-7354 3210-7045 2412-7011 2440-7216 2631-8978 2719-7156 2815-7321 3211-7002 2412-7018 2440-7767 2631-9075 2719-7173 2819-7147 3211-7038 2412-7029 2441-7027 2631-9081 2719-7181 2829-7043 3211-7053 2412-7083 2441-7199 2631-9138 2719-7238 2829-7400 3211-7113 2412-7095 2441-7209 2631-9167 2719-7257 2830-7183 3211-7118 2412-7118 2520-7043 2632-8455 2719-7271 2839-7203 3211-8066 2412-7195 2520-7301 2632-8714 2719-7282 2840-7379 3212-7074 2412-7202 2530-7020 2632-8724 2719-7284 2841-7051 3220-7038 2412-7203 2531-7028 2632-9057 2719-7340 2842-7397 3220-7198 2412-7205 2531-7030 2640-7159 2719-7377 2843-7381 3220-8614 2412-7206 2532-7181 2642-7142 2719-7378 2863-7171 3221-7069 2412-7207 2532-7247 2650-7055 2719-7393 2910-7000 3221-8628 Exhibit "F" Group 2 Tier 2 Total RTs: 8,017 Select Group 2 Tier 2 Transit Routing Numbers 0000-0119 0212-8361 0260-0881 0313-7597 0421-0144 0514-0316 0531-1254 0550-8015 0611-2070 0622-0310 0110-0234 0212-8363 0260-1060 0313-8923 0421-0289 0514-0403 0531-1282 0550-8037 0611-2071 0622-0319 0110-0272 0212-8373 0260-1135 0313-8926 0421-0412 0514-0441 0531-7401 0560-0106 0611-2085 0622-0320 0111-0250 0212-8376 0260-1324 0319-0221 0421-0482 0514-0452 0531-8506 0560-0912 0611-2090 0622-0347 0111-0263 0212-8377 0260-1340 0319-0848 0421-0781 0514-0475 0531-8507 0560-0931 0611-2111 0622-0353 0111-0435 0212-8391 0260-1404 0319-1181 0421-0851 0514-0580 0531-8510 0560-7357 0611-2120 0622-0364 0111-1061 0213-0213 0260-1413 0319-1852 0421-7449 0514-0654 0531-8519 0560-7359 0611-9184 0622-0401 0111-1062 0213-0214 0260-7293 0319-1918 0421-7453 0514-0886 0531-8529 0610-2011 0611-9227 0622-0405 0111-1063 0213-0313 0260-7297 0360-0224 0422-0289 0514-0902 0531-8540 0610-2037 0611-9266 0622-0437 0111-1064 0213-0351 0260-8261 0360-1851 0422-0300 0514-0905 0531-8558 0610-2106 0612-0065 0622-0453 0111-1065 0213-0697 0260-8371 0360-1898 0422-0411 0514-0919 0532-0118 0610-2117 0612-0224 0622-0493 0111-1068 0213-0774 0260-8426 0360-8905 0422-0500 0514-0927 0532-0148 0610-9233 0612-0236 0622-0610 0112-0005 0213-0883 0260-8448 0412-0077 0422-0570 0514-0945 0532-0187 0611-0111 0612-0288 0622-0631 0112-0058 0213-0963 0280-0008 0412-0114 0422-0817 0514-0958 0532-0209 0611-0118 0612-0409 0622-0665 0112-0111 0213-1356 0311-0010 0412-0163 0422-8685 0514-0959 0532-0227 0611-0129 0612-0468 0630-9232 0112-0130 0213-1373 0311-0105 0412-0254 0422-8690 0515-0102 0532-0666 0611-0140 0612-0496 0630-9277 0112-0138 0213-1374 0311-0124 0412-0274 0422-8694 0515-0129 0532-0681 0611-0213 0612-0547 0631-0088 0112-0145 0213-7294 0311-8932 0412-0276 0423-0672 0515-0155 0532-0753 0611-0261 0612-0765 0631-0139 0112-0183 0213-7295 0312-0108 0412-0340 0423-0922 0515-0184 0532-0766 0611-0331 0612-1023 0631-0170 0113-0014 0213-7305 0312-0419 0412-0345 0433-1098 0515-0242 0532-0795 0611-0385 0612-1119 0631-0225 0113-0059 0213-8265 0312-0471 0412-0485 0433-1234 0515-0317 0532-0799 0611-0397 0612-1128 0631-0259 0113-0423 0213-8346 0312-0480 0412-0524 0433-8689 0515-0425 0532-0801 0611-0426 0612-1164 0631-0528 0113-0430 0213-8352 0312-0769 0412-0525 0433-8691 0515-0456 0532-0811 0611-0427 0612-1201 0631-0540 0113-0471 0213-8420 0312-8927 0412-0551 0433-8698 0515-0457 0532-0812 0611-0430 0612-1208 0631-0590 0113-0568 0213-8423 0312-8928 0412-0678 0440-0217 0515-0458 0532-0813 0611-0488 0612-1234 0631-0650 0113-0697 0213-8436 0313-0184 0412-0715 0440-1583 0515-0465 0532-0814 0611-0625 0612-1243 0631-0675 0113-0721 0214-0161 0313-0199 0412-0908 0440-8435 0515-8018 0532-0820 0611-0665 0612-1285 0631-1030 0113-7524 0214-8328 0313-0227 0412-0912 0440-8442 0519-0467 0532-0823 0611-0781 0620-0653 0631-1246 0113-9262 0214-8342 0313-0280 0412-0942 0441-0308 0521-0231 0532-0830 0611-0948 0620-9189 0631-1260 0114-0017 0214-8452 0313-0316 0412-0962 0441-0353 0530-1044 0532-7406 0611-1218 0621-0222 0631-1278 0114-0192 0215-0232 0313-0376 0412-1005 0441-0658 0530-1272 0532-7414 0611-1321 0621-0229 0631-1280 0114-0205 0216-8379 0313-0525 0412-1078 0441-0716 0531-0068 0532-8511 0611-1955 0621-0238 0631-1282 0114-0210 0219-1291 0313-0598 0412-1124 0441-0770 0531-0155 0532-8516 0611-1964 0621-0300 0631-1291 0115-0159 0219-1454 0313-0602 0412-1263 0441-0929 0531-0219 0532-8517 0611-1972 0621-0553 0631-1301 0116-0002 0219-8325 0313-0629 0412-1281 0441-1014 0531-0258 0532-8523 0611-1976 0621-0655 0631-1302 0116-0056 0219-8361 0313-0708 0412-1287 0441-1070 0531-0358 0532-8548 0611-1978 0621-0657 0631-1413 0116-0107 0220-8364 0313-0746 0412-1298 0441-1119 0531-0363 0540-0095 0611-1979 0621-9280 0631-1432 0116-0108 0220-8366 0313-0856 0412-1375 0441-1218 0531-0368 0540-0131 0611-1984 0622-0096 0631-1441 0116-0114 0220-8369 0313-0880 0412-1388 0442-0386 0531-0456 0540-0167 0611-1988 0622-0115 0631-1455 0116-9258 0223-0365 0313-0881 0412-1549 0442-1040 0531-1000 0550-0025 0611-1995 0622-0155 0631-1457 0118-0704 0223-8358 0313-0955 0412-1558 0510-0012 0531-1059 0550-0107 0611-2007 0622-0169 0631-1465 0118-0720 0223-8359 0313-1008 0412-1569 0514-0102 0531-1206 0550-0109 0611-2010 0622-0171 0631-1481 0119-1069 0223-8381 0313-1041 0412-8437 0514-0183 0531-1217 0550-0198 0611-2032 0622-0189 0631-1494 0211-1020 0223-8384 0313-1091 0412-8439 0514-0184 0531-1225 0550-0335 0611-2036 0622-0195 0631-1505 0211-7278 0260-0253 0313-1211 0412-8440 0514-0222 0531-1228 0550-0342 0611-2040 0622-0216 0631-1541 0212-0549 0260-0337 0313-1292 0412-8449 0514-0225 0531-1229 0550-0343 0611-2046 0622-0236 0631-1561 0212-0719 0260-0622 0313-1474 0420-0055 0514-0248 0531-1234 0550-0346 0611-2055 0622-0277 0631-1571 0212-7262 0260-0736 0313-1538 0421-0080 0514-0312 0531-1244 0550-0352 0611-2061 0622-0299 0631-1633 Exhibit "F" Group 2 Tier 2(coot) 06314643 0652-0186 0653-0613 0710-2579 0711-1010 0711-2199 0719-1305 0719-2624 0739-0123 0739-0463 0631-1645 0652-0188 0654-0048 0710-2612 0711-1026 0711-2203 0719-1308 0719-2637 0739-0131 0739-0469 0631-1656 0652-0206 0654-0060 0710-9329 0711-1042 0711-2205 0719-1327 0719-2639 0739-0141 0739-0475 0631-9179 0652-0218 0654-0140 0711-0102 0711-1052 0711-2224 0719-1356 0719-2656 0739-0149 0739-0506 0631-9210 0652-0239 0654-0167 0711-0131 0711-1055 0711-2226 07194521 0719-2661 0739-0159 0739-0526 0632-0520 0652-0244 0654-0242 0711-0207 0711-1092 0711-2227 0719-1604 0719-2669 0739-0172 0739-0528 0632-0566 0652-0246 0654-0251 0711-0248 0711-1133 0711-2253 0719-1612 0719-2674 0739-0185 0739-0535 0632-1660 0652-0255 0654-0252 0711-0347 0711-1137 0711-2261 0719-1648 0719-2687 0739-0187 0739-0552 0640-0897 0652-0283 0654-0285 0711-0350 0711-1140 0711-2268 0719-1655 0719-7440 0739-0188 0739-0560 0640-0898 0652-0343 0654-0288 0711-0443 0711-1148 0711-2271 0719-1682 0724-0221 0739-0190 0739-0563 0641-0190 0652-0349 0654-0315 0711-0469 0711-1186 0711-2293 0719-1838 0724-0300 0739-0192 0739-0565 0641-0229 0652-0356 0654-0337 0711-0500 0711-1195 0711-2312 0719-1856 0724-0334 07390209 0739-0591 0641-0238 0652-0364 0654-0347 0711-0550 0711-1204 0711-2314 0719-2096 0724-0335 0739-0215 0739-0603 0641-0260 0652-0418 0654-0473 0711-0588 0711-1210 0711-2339 0719-2139 0724-0355 0739-0218 0739-0609 0641-0290 0652-0419 0654-0528 0711-0619 07114235 0711-2351 0719-2146 0724-0516 0739-0221 0739-0630 0641-0346 0652-0424 0654-0529 0711-0620 0711-1248 0711-2461 0719-2184 0724-0528 0739-0223 0739-0644 0641-0811 0652-0457 0654-0534 0711-0621 0711-1250 0711-2466 0719-2195 0724-0560 0739-0224 0739-0652 0641-0848 0652-0466 0654-0545 0711-0634 0711-1268 0711-2480 0719-2209 0724-0574 0739-0227 0739-0666 0641-0887 0652-0484 0654-8259 0711-0659 0711-1280 0711-2490 0719-2225 0724-0641 0739-0239 0739-0678 0641-0895 0652-0495 0655-0622 0711-0726 0711-1281 0711-2493 0719-2255 0724-0650 0739-0243 0739-0680 0641-0899 0652-0496 0660-0945 0711-0742 0711-1290 0711-2589 0719-2260 0724-0652 0739-0267 0739-0685 0641-8252 0652-0498 0660-1557 0711-0769 0711-1316 0711-2591 0719-2276 0724-0686 0739-0276 0739-0687 0641-8260 0652-0499 0660-1676 0711-0778 0711-1317 0711-2607 0719-2287 0724-0792 0739-0277 0739-0720 0642-0146 0652-0503 0670-0515 0711-0804 0711-1371 0711-2695 0719-2288 0724-0823 0739-0282 0739-0754 0642-0183 0652-0526 0670-1268 0711-0808 0711-1374 0711-7443 0719-2298 0724-0854 0739-0305 0739-0758 0642-0296 0652-0532 0670-1289 0711-0809 0711-1375 0712-0829 0719-2313 0724-0946 0739-0314 0739-0766 0642-0794 0653-0021 0670-1312 0711-0810 07114398 07124173 0719-2321 0724-1170 0739-0315 0739-0772 0642-0858 0653-0126 0670-1424 0711-0819 0711-1409 0719-0076 0719-2327 0724-1328 0739-0324 0739-0777 0642-0889 0653-0136 0670-1445 0711-0829 0711-1437 0719-0183 0719-2330 0724-1363 0739-0328 0739-0786 0642-7242 0653-0143 0670-1452 0711-0832 0711-1541 0719-0279 0719-2335 0724-1372 0739-0331 0739-0789 0650-0228 0653-0164 0670-1509 0711-0842 0711-1552 0719-0305 0719-2340 0724-1384 0739-0332 0739-0795 0650-8249 0653-0174 0670-1511 0711-0855 0711-1566 0719-0311 0719-2366 0724-1394 0739-0335 0739-0815 0651-9172 0653-0215 0670-1528 0711-0863 0711-1580 0719-0313 0719-2385 0724-1396 0739-0341 0739-0825 0652-0051 0653-0218 0670-1636 0711-0864 0711-1595 0719-0451 0719-2406 0724-1432 0739-0349 0739-0831 0652-0052 0653-0230 0670-1657 0711-0866 0711-1596 0719-0508 0719-2411 0724-7193 0739-0351 0739-0835 0652-0053 0653-0248 0670-9202 0711-0869 0711-1622 0719-0814 0719-2451 0724-7866 0739-0364 0739-0862 0652-0061 0653-0267 0670-9250 0711-0878 0711-1681 0719-0849 0719-2465 0724-8679 0739-0374 0739-0863 0652-0080 0653-0296 0670-9267 0711-0903 0711-1776 0719-0867 0719-2497 0730-0064 0739-0389 0739-0872 0652-0092 0653-0308 0710-0123 0711-0920 0711-1826 0719-0877 0719-2503 0730-0079 0739-0394 0739-0873 0652-0098 0653-0352 0710-0150 0711-0922 0711-1865 0719-0890 0719-2513 0739-0053 0739-0398 0739-0898 0652-0099 0653-0380 0710-0213 0711-0943 07114879 0719-0909 0719-2526 0739-0057 0739-0403 0739-0903 0652-0101 0653-0381 0710-0270 0711-0955 0711-1928 0719-0987 0719-2533 0739-0058 0739-0411 0739-0918 0652-0153 0653-0408 0710-0415 0711-0965 0711-1950 0719-1018 0719-2540 0739-0069 0739-0415 0739-0922 0652-0162 0653-0432 0710-0422 0711-0970 0711-1980 0719-1072 0719-2555 0739-0074 0739-0418 0739-0934 0652-0166 0653-0436 0710-0434 0711-0982 0711-1997 0719-1077 0719-2556 0739-0075 0739-0423 0739-0936 0652-0175 0653-0467 0710-0443 0711-0984 0711-2032 0719-1129 0719-2559 0739-0087 0739-0444 0739-0946 0652-0178 0653-0547 0710-0453 0711-1000 0711-2064 0719-1136 0719-2587 0739-0089 0739-0450 0739-0950 0652-0183 0653-0607 0710-0648 0711-1004 0711-2162 0719-1165 0719-2609 0739-0109 0739-0456 0739-0957 Exhibit "F" Group 2 Tier 2(coot) 0739-0971 0739-1653 0739-2119 0739-2260 0749-1330 0759-0378 0759-0734 0759-1779 0812-1260 0815-0655 0739-0999 0739-1654 0739-2120 0739-2261 0749-1369 0759-0379 0759-0737 0759-1789 0812-1326 0815-0712 0739-1004 0739-1666 0739-2121 0739-2262 0750-0056 0759-0383 0759-0741 0759-1792 0812-1378 0815-0716 0739-1011 0739-1677 0739-2140 0739-2263 0750-0104 0759-0391 0759-0744 0759-1797 0812-1416 0815-0747 0739-1023 0739-1717 0739-2144 0739-2265 0759-0076 0759-0398 0759-0755 0759-1807 0812-1559 0815-0817 0739-1026 0739-1728 0739-2153 0739-2267 0759-0097 0759-0409 0759-0758 0759-1813 0812-1616 0815-0821 0739-1038 0739-1729 0739-2154 0739-2268 0759-0101 0759-0423 0759-0759 0759-1833 0812-1638 0815-0846 0739-1047 0739-1774 0739-2155 0739-2270 0759-0103 0759-0425 0759-0764 0759-7210 0812-1675 0815-0860 0739-1074 0739-1776 0739-2158 0739-2276 0759-0130 0759-0438 0759-0774 0759-7214 0812-1887 0815-0910 0739-1092 0739-1807 0739-2161 0739-2280 0759-0134 0759-0444 0759-0780 0810-0055 0812-2008 0815-0919 0739-1167 0739-1810 0739-2162 0739-2281 0759-0151 0759-0451 0759-0786 0810-0067 0812-2052 0815-0944 0739-1181 0739-1832 0739-2163 0739-2282 0759-0156 0759-0452 0759-0804 0810-0327 0812-2123 0815-0990 0739-1195 0739-1837 0739-2165 0739-2284 0759-0159 0759-0454 0759-0809 0810-0407 0812-2164 0815-0995 0739-1206 0739-1839 0739-2166 0739-2285 0759-0164 0759-0476 0759-0820 0810-0639 0812-2259 0815-0997 0739-1207 0739-1845 0739-2168 0739-2286 0759-0195 0759-0495 0759-0827 0810-0643 0812-2265 0815-1056 0739-1208 0739-1856 0739-2169 0739-2287 0759-0200 0759-0500 0759-0861 0810-0702 0812-2494 0815-1059 0739-1219 0739-1865 0739-2171 0739-2288 0759-0204 0759-0505 0759-0865 0810-0942 0812-2590 0815-1073 0739-1222 0739-1884 0739-2172 0739-2289 0759-0205 0759-0545 0759-0868 0810-1030 0813-0482 0815-1093 0739-1226 0739-1900 0739-2177 0739-7211 0759-0210 0759-0548 0759-0892 0810-1146 0813-0870 0815-1111 0739-1255 0739-1921 0739-2179 0739-7216 0759-0212 0759-0555 0759-0917 0810-1295 0815-0074 0815-1163 0739-1275 0739-1941 0739-2183 0740-1403 0759-0217 0759-0566 0759-0920 0810-1521 0815-0085 0815-1175 0739-1280 0739-1957 0739-2187 0740-1410 0759-0218 0759-0573 0759-0940 0810-1883 0815-0102 0815-1199 0739-1283 0739-2016 0739-2190 0740-7192 0759-0222 0759-0586 0759-0960 0810-1888 081'5-0117 0815-1210 0739-1321 0739-2039 0739-2193 0749-0129 0759-0227 0759-0587 0759-0966 0810-1899 0815-0122 0815-1223 0739-1330 0739-2040 0739-2196 0749-0208 0759-0230 0759-0591 0759-0990 0810-1911 0815-0148 0815-1235 0739-1334 0739-2041 0739-2197 0749-0486 0759-0233 0759-0593 0759-0994 0810-1912 0815-0169 0815-1237 0739-1337 0739-2061 0739-2200 0749-0531 0759-0242 0759-0596 0759-1038 0810-1916 0815-0178 0815-1283 0739-1367 0739-2063 0739-2201 0749-0547 0759-0246 0759-0599 0759-1048 0810-1917 0815-0179 0815-1292 0739-1375 0739-2065 0739-2202 0749-0587 0759-0257 0759-0601 0759-1092 0810-1925 0815-0201 0815-1396 0739-1383 0739-2068 0739-2206 0749-0595 0759-0260 0759-0603 0759-1099 0810-2519 0815-0253 0815-1445 0739-1414 0739-2073 0739-2208 0749-0642 0759-0267 0759-0608 0759-1135 0810-2541 0815-0263 0815-1474 0739-1422 0739-2077 0739-2211 0749-0654 0759-0281 0759-0617 0759-1136 0810-2576 0815-0281 0815-1482 0739-1426 0739-2078 0739-2223 0749-0680 0759-0283 0759-0619 0759-1137 0810-7444 0815-0308 0815-1487 0739-1435 0739-2083 0739-2224 0749-0694 0759-0296 0759-0623 0759-1161 0812-0320 0815-0332 0815-1694 0739-1439 0739-2084 0739-2225 0749-0811 0759-0300 0759-0634 0759-1171 0812-0331 0815-0338 0815-1773 0739-1441 0739-2086 0739-2229 0749-0842 0759-0301 0759-0636 0759-1174 0812-0426 0815-0359 0815-1774 0739-1486 0739-2087 0739-2232 0749-0868 0759-0311 0759-0652 0759-1176 0812-0486 0815-0360 0815-1787 0739-1519 0739-2088 0739-2236 0749-0966 0759-0315 0759-0663 0759-1185 0812-0680 0815-0369 0815-1790 0739-1534 0739-2089 0739-2237 0749-1069 0759-0316 0759-0670 0759-1227 0812-0694 0815-0370 0815-1791 0739-1544 0739-2090 0739-2240 0749-1085 0759-0320 0759-0683 0759-1271 0812-0709 0815-0381 0815-1796 0739-1549 0739-2092 0739-2243 0749-1157 0759-0322 0759-0685 0759-1273 0812-0793 0815-0382 0815-1805 0739-1567 0739-2093 0739-2245 0749-1158 0759-0324 0759-0689 0759-1274 0812-1039 0815-0395 0815-1811 0739-1581 0739-2094 0739-2251 0749-1260 0759-0339 0759-0700 0759-1277 0812-1110 0815-0469 0815-1813 0739-1588 0739-2109 0739-2252 0749-1264 0759-0344 0759-0703 0759-1278 0812-1152 0815-0485 0815-1818 0739-1591 0739-2112 0739-2253 0749-1267 0759-0352 0759-0707 0759-1280 0812-1179 0815-0515 0815-1819 0739-1640 0739-2113 0739-2255 0749-1269 0759-0363 0759-0709 0759-1282 0812-1192 0815-0518 0815-1821 0739-1642 0739-2115 0739-2257 0749-1275 0759-0375 0759-0711 0759-1283 0812-1227 0815-0563 0815-1833 0739-1648 0739-2116 0739-2259 0749-1319 0759-0376 0759-0723 0759-1287 0812-1257 0815-0652 0815-1837 Exhibit "F" Group 2 Tier 2(cont) 0815-1860 0829-0031 0829-0625 0841-0770 0842-0608 0911-0637 0912-0682 0912-1475 0913-0302 0913-1069 0815-1877 0829-0098 0829-0747 0841-0863 0842-0610 0911-0702 0912-0684 0912-1491 0913-0304 0913-1072 0815-1878 0829-0099 0829-0778 0841-0879 0842-0615 0911-0770 0912-0688 0912-1516 0913-0337 0913-1074 0815-1881 0829-0101 0829-0785 0842-0100 0843-0140 0911-0853 0912-0705 0912-1552 0913-0366 0913-1076 0815-1890 0829-0102 0829-0786 0842-0102 0843-0234 0911-0874 0912-0708 0912-1562 0913-0387 0913-1077 0815-1891 0829-0104 0829-0787 0842-0105 0843-0291 0911-0925 0912-0717 0912-1571 0913-0403 0913-1078 0815-1902 0829-0122 0829-0857 0842-0117 0843-0424 0911-0935 0912-0727 0912-1574 0913-0465 0913-1081 0815-1903 0829-0128 0829-0859 0842-0118 0843-0512 0911-0999 0912-0731 0912-1587 0913-0476 0913-1091 0815-1907 0829-0137 0829-0862 0842-0122 0843-0584 0911-1009 0912-0758 0912-1593 0913-0503 0913-1092 0815-1914 0829-0139 0829-0874 0842-0129 0863-0001 0911-1398 0912-0803 0912-1598 0913-0504 0913-1096 0815-1928 0829-0140 0829-0883 0842-0151 0865-0060 0911-1411 0912-0813 0912-1600 0913-0528 0913-1097 0819-0219 0829-0145 0829-0885 0842-0152 0865-0157 0912-0078 0912-0814 0912-1608 0913-0532 0913-1098 0819-0386 0829-0146 0829-0890 0842-0162 0865-0342 0912-0082 0912-0815 0912-1610 0913-0587 0913-1099 0819-0479 0829-0147 0839-0123 0842-0166 0865-0527 0912-0084 0912-0822 0912-1613 0913-0631 0913-1100 0819-0501 0829-0153 0839-0137 0842-0167 0865-0695 0912-0125 0912-0833 0912-1619 0913-0658 0913-1103 0819-0508 0829-0156 0839-0177 0842-0169 0865-1847 0912-0162 0912-0847 0912-1624 0913-0682 0913-1104 0819-0518 0829-0159 0839-0200 0842-0178 0865-1872 0912-0164 0912-0885 0912-1630 0913-0714 0913-1109 0819-0528 0829-0160 0839-0231 0842-0183 0865-1874 0912-0216 0912-0887 0912-1632 0913-0727 0913-1110 0819-0529 0829-0163 0839-0258 0842-0184 0865-1889 0912-0248 0912-0890 0912-1633 0913-0785 0913-1114 0819-0559 0829-0164 0839-0270 0842-0197 0910-0013 0912-0273 0912-0924 0912-1634 0913-0816 0914-0017 0819-0576 0829-0167 0839-0275 0842-0206 0910-0131 0912-0276 0912-0928 0912-1640 0913-0830 0914-0053 0819-0627 0829-0177 0839-0299 0842-0207 0910-0132 0912-0294 0912-0944 0912-1647 0913-0837 0914-0055 0819-0784 0829-0181 0839-0314 0842-0208 0910-1445 0912-0328 0912-0948 0912-1648 0913-0848 0914-0069 0819-0859 0829-0183 0839-0332 0842-0211 0910-1448 0912-0394 0912-0959 0912-1661 0913-0879 0914-0114 0819-0883 0829-0184 0839-0389 0842-0221 0910-1465 0912-0408 0912-0996 0912-1669 0913-0880 0914-0155 0819-0972 0829-0189 0839-0430 0842-0224 0910-1514 0912-0410 0912-1007 0912-1678 0913-0900 0914-0166 0819-1023 0829-0191 0839-0447 0842-0225 0910-1709 0912-0411 0912-1024 0913-0015 0913-0945 0914-0191 0819-1057 0829-0226 0839-0459 0842-0228 0910-1731 0912-0440 0912-1037 0913-0025 0913-0973 0914-0192 0819-1058 0829-0232 0839-0501 0842-0244 0910-1732 0912-0446 0912-1046 0913-0028 0913-0984 0914-0226 0819-1413 0829-0239 0839-0585 0842-0276 0910-1747 0912-0475 0912-1054 0913-0035 0913-1036 0914-0227 0819-1467 0829-0243 0839-0766 0842-0283 0910-1748 0912-0476 0912-1075 0913-0051 0913-1039 0914-0228 0819-1485 0829-0245 0839-0791 0842-0287 0910-1752 0912-0489 0912-1092 0913-0064 0913-1042 0914-0255 0819-1499 0829-0247 0839-0801 0842-0304 0910-1830 0912-0512 0912-1111 0913-0071 0913-1043 0914-0257 0819-1507 0829-0248 0839-0814 0842-0313 0910-7149 0912-0519 0912-1190 0913-0104 0913-1044 0914-0294 0819-1739 0829-0266 0839-0823 0842-0325 0910-7158 0912-0528 0912-1196 0913-0106 0913-1045 0914-0314 0819-1766 0829-0305 0839-0825 0842-0327 0910-7159 0912-0557 0912-1217 0913-0158 0913-1047 0914-0329 0819-1818 0829-0321 0839-0944 0842-0462 0911-0113 0912-0560 0912-1258 0913-0181 0913-1048 0914-0354 0819-1842 0829-0326 0839-1303 0842-0470 0911-0114 0912-0565 0912-1268 0913-0189 0913-1049 0914-0357 0819-1875 0829-0330 0840-0319 0842-0492 0911-0128 0912-0569 0912-1272 0913-0203 0913-1051 0914-0361 0819-1894 0829-0353 0840-0850 0842-0549 0911-0131 0912-0573 0912-1286 0913-0211 0913-1053 0914-0380 0819-1935 0829-0402 0841-0112 0842-0559 0911-0173 0912-0578 0912-1308 0913-0216 0913-1055 0914-0386 0819-2155 0829-0404 0841-0141 0842-0561 0911-0187 0912-0586 0912-1378 0913-0234 0913-1057 0914-0388 0819-2581 0829-0405 0841-0151 0842-0564 0911-0195 0912-0606 0912-1380 0913-0259 0913-1059 0914-0392 0820-0124 0829-0472 0841-0573 0842-0565 0911-0280 0912-0610 0912-1387 0913-0260 0913-1060 0914-0400 0820-0764 0829-0499 0841-0676 0842-0576 0911-0289 0912-0638 0912-1433 0913-0272 0913-1061 0914-0413 0820-0774 0829-0550 0841-0718 0842-0588 0911-0318 0912-0640 0912-1447 0913-0287 0913-1062 0914-0435 0820-0858 0829-0581 0841-0724 0842-0591 0911-0350 0912-0670 0912-1462 0913-0296 0913-1063 0914-0436 0820-8658 0829-0599 0841-0769 0842-0593 0911-0614 0912-0674 0912-1463 0913-0297 0913-1067 0914-0522 Exhibit "F" Group 2 Tier 2(cont) 0914-0525 0914-0952 0918-1076 0919-0516 0919-1157 0920-0120 0960-1771 1011-0213 1011-0428 1011-0786 0914-0545 0914-0956 0918-1085 0919-0523 0919-1179 0920-0151 0960-8172 1011-0216 1011-0434 1011-0803 0914-0575 0914-0958 0918-1097 0919-0525 0919-1195 0921-0101 1010-0015 1011-0218 1011-0435 1011-0805 0914-0626 0914-0959 0918-1100 0919-0536 0919-1233 0921-0118 1010-0104 1011-0228 1011-0438 1011-0820 0914-0635 0914-0978 0918-8171 0919-0540 0919-1248 0921-0128 1010-0136 1011-0234 1011-0440 1011-0831 0914-0682 0915-0141 0919-0006 0919-0544 0919-1252 0921-0285 1010-0291 1011-0236 1011-0443 1011-0838 0914-0693 0915-0509 0919-0009 0919-0551 0919-1254 0921-0424 1010-0304 1011-0238 1011-0450 1011-0851 0914-0705 0915-0524 0919-0021 0919-0552 0919-1257 0921-0487 1010-0502 1011-0243 1011-0458 1011-0852 0914-0713 0915-0817 0919-0028 0919-0571 0919-1309 0921-0510 1010-0564 1011-0249 1011-0468 1011-0857 0914-0717 0915-0831 0919-0063 0919-0581 0919-1314 0921-0533 1010-0704 1011-0252 1011-0470 1011-0863 0914-0719 0915-0946 0919-0101 0919-0582 0919-1317 0929-0073 1010-1293 1011-0255 1011-0471 1011-0864 0914-0761 0915-1007 0919-0133 0919-0635 0919-1318 0929-0083 1010-1475 1011-0256 1011-0474 1011-0876 0914-0766 0915-1025 0919-0134 0919-0642 0919-1412 0929-0107 1010-1495 1011-0264 1011-0476 1011-0913 0914-0775 0915-1042 0919-0137 0919-0665 0919-1420 0929-0110 1010-1510 1011-0275 1011-0477 1011-0932 0914-0776 0915-1046 0919-0147 0919-0676 0919-1425 0929-0117 1010-1528 1011-0276 1011-0486 1011-0951 0914-0779 0915-1225 0919-0155 0919-0687 0919-1427 0929-0119 1010-1906 1011-0278 1011-0494 1011-0953 0914-0780 0915-1259 0919-0156 0919-0737 0919-1440 0929-0121 1010-1948 1011-0281 1011-0497 1011-0964 0914-0794 0918-0005 0919-0168 0919-0747 0919-1446 0929-0125 1010-8949 1011-0283 1011-0507 1011-0969 0914-0803 0918-0031 0919-0196 0919-0757 0919-1479 0929-0129 1010-8980 1011-0285 1011-0511 1011-0974 0914-0817 0918-0037 0919-0197 0919-0778 0919-1482 0929-0133 1010-8981 1011-0287 1011-0524 1011-0980 0914-0820 0918-0123 0919-0202 0919-0788 0919-1513 0929-0138 1010-8982 1011-0292 1011-0525 1011-0981 0914-0823 0918-0190 0919-0203 0919-0817 0919-1520 0929-0139 1011-0017 1011-0295 1011-0528 1011-0984 0914-0826 0918-0288 0919-0204 0919-0837 0919-1561 0929-0141 1011-0031 1011-0296 1011-0541 1011-0992 0914-0829 0918-0327 0919-0225 0919-0839 0919-1565 0929-0148 1011-0056 1011-0306 1011-0560 1011-0999 0914-0838 0918-0330 0919-0253 0919-0861 0919-1572 0929-0149 1011-0061 1011-0308 1011-0562 1011-1006 0914-0839 0918-0335 0919-0279 0919-0871 0919-1583 0929-0159 1011-0072 1011-0314 1011-0571 1011-1008 0914-0846 0918-0356 0919-0303 0919-0872 0919-1589 0929-0165 1011-0090 1011-0315 1011-0578 1011-1022 0914-0851 0918-0359 0919-0316 0919-0874 0919-1604 0929-0229 1011-0092 1011-0327 1011-0592 1011-1027 0914-0852 0918-0395 0919-0323 0919-0876 0919-1605 0929-0235 1011-0105 1011-0332 1011-0596 1011-1047 0914-0859 0918-0396 0919-0324 0919-0905 0919-1607 0929-0240 1011-0106 1011-0335 1011-0598 1011-1048 0914-0864 0918-0414 0919-0344 0919-0906 0919-1609 0929-0248 1011-0129 1011-0338 1011-0602 1011-1054 0914-0869 0918-0440 0919-0353 0919-0908 0919-1616 0929-0270 1011-0141 1011-0339 1011-0622 1011-1057 0914-0870 0918-0472 0919-0383 0919-0921 0919-1620 0929-0354 1011-0152 1011-0340 1011-0628 1011-1060 0914-0876 0918-0483 0919-0386 0919-0927 0919-1625 0929-0477 1011-0153 1011-0344 1011-0635 1011-1064 0914-0879 0918-0528 0919-0396 0919-0943 0919-1680 0929-0502 1011-0158 1011-0346 1011-0640 1011-1076 0914-0887 0918-0624 0919-0401 0919-0946 0919-1681 0929-0520 1011-0159 1011-0354 1011-0660 1011-1111 0914-0889 0918-0638 0919-0405 0919-0951 0919-1684 0929-0526 1011-0162 1011-0359 1011-0662 1011-1133 0914-0897 0918-0699 0919-0426 0919-1000 0919-1687 0929-0536 1011-0173 1011-0366 1011-0686 1011-1145 0914-0899 0918-0718 0919-0427 0919-1002 0919-1689 0929-0542 1011-0176 1011-0368 1011-0691 1011-1149 0914-0900 0918-0757 0919-0428 0919-1045 0919-1701 0929-0546 1011-0186 1011-0369 1011-0694 1011-1162 0914-0901 0918-0834 0919-0432 0919-1100 0919-1704 0929-0547 1011-0187 1011-0385 1011-0708 1011-1167 0914-0912 0918-0936 0919-0434 0919-1115 0919-1705 0929-7679 1011-0192 1011-0388 1011-0709 1011-1168 0914-0921 0918-0947 0919-0436 0919-1130 0919-1711 0960-0096 1011-0193 1011-0400 1011-0715 1011-1195 0914-0929 0918-0972 0919-0482 0919-1131 0919-1718 0960-0098 1011-0195 1011-0404 1011-0740 1011-1204 0914-0935 0918-0973 0919-0483 0919-1135 0919-1822 0960-1041 1011-0197 1011-0406 1011-0744 1011-1214 0914-0938 0918-0998 0919-0487 0919-1140 0919-7153 0960-1676 1011-0199 1011-0410 1011-0747 1011-1217 0914-0950 0918-1029 0919-0492 0919-1154 0919-8164 0960-1698 1011-0206 1011-0412 1011-0774 1011-1222 0914-0951 0918-1062 0919-0505 0919-1155 0919-8168 0960-1738 1011-0207 1011-0416 1011-0780 1011-1231 Exhibit "F" Group 2 Tier 2(coot) 1011-1263 1012-1198 1020-8964 1030-8983 1041-0163 1041-1383 1049-0672 1070-0467 1111-0243 1119-0280 1011-1271 1012-1215 1021-0013 1031-0001 1041-0169 1041-1394 1049-0704 1070-0469 1111-0259 1119-0281 1011-1284 1012-1218 1021-0057 1031-0019 1041-0187 1041-1395 1049-0756 1070-0510 1111-0273 1119-0315 1011-1367 1012-1300 1021-0085 1031-0073 1041-0210 1041-1399 1049-0770 1070-0600 1111-0275 1119-0324 1011-1379 1012-1367 1021-0127 1031-0088 1041-0220 1041-8952 1049-0777 1070-0604 1111-0294 1119-0329 1011-1384 1012-1668 1021-0129 1031-0105 1041-0225 1049-0011 1049-0781 1070-0612 1111-0316 1119-0340 1011-1386 1012-1743 1021-0136 1031-0133 1041-0258 1049-0054 1049-0804 1070-0638 1111-0328 1119-0346 1011-1393 1012-1751 1021-0154 1031-0142 1041-0261 1049-0075 1049-0813 1070-0654 1111-0352 1119-0355 1011-1403 1012-1775 1021-0200 1031-0143 1041-0264 1049-0116 1049-0838 1070-0660 1111-0365 1119-0399 1011-1421 1012-1785 1021-0257 1031-0151 1041-0265 1049-0123 1049-0842 1070-0674 1111-0394 1119-0404 1011-1427 1012-1788 1021-0286 1031-0163 1041-0278 1049-0127 1049-0872 1070-0678 1111-0461 1119-0415 1011-1450 1012-1927 1021-0340 1031-0167 1041-0298 1049-0131 1049-0884 1070-0692 1111-0530 1119-0481 1011-1452 1019-0139 1021-0363 1031-0192 1041-0308 1049-0133 1049-0885 1070-0696 1111-0531 1119-0494 1011-1455 1019-0183 1021-0432 1031-0222 1041-0382 1049-0134 1049-0893 1070-0697 1111-9355 1119-0515 1011-1469 1019-0205 1021-0434 1031-0227 1041-0390 1049-0136 1049-0895 1070-0699 1111-9367 1119-0534 1011-1476 1019-0214 1021-0464 1031-0282 1041-0573 1049-0148 1049-0920 1070-0705 1113-0173 1119-0596 1011-1485 1019-0226 1021-0488 1031-0343 1041-0647 1049-0159 1049-0979 1070-0719 1113-0260 1119-0634 1011-1487 1019-0229 1021-0656 1031-0345 1041-0669 1049-0160 1049-0994 1070-8933 1113-0430 1119-0639 1011-1489 1019-0236 1021-0670 1031-0398 1041-0671 1049-0171 1049-1023 1070-8965 1113-0463 1119-0674 1011-1490 1019-0240 1021-0685 1031-0452 1041-0676 1049-0172 1049-1025 1070-8972 1113-0608 1119-0685 1011-1491 1019-0363 1022-0171 1031-0739 1041-0680 1049-0191 1049-1033 1070-8988 1113-0675 1119-0708 1011-1494 1019-0376 1022-0193 1031-0903 1041-0696 1049-0194 1049-1142 1110-0096 1113-0766 1119-0710 1011-1503 1019-0422 1022-0207 1031-1207 1041-0745 1049-0206 1049-1306 1110-0577 1113-0827 1119-0734 1011-1505 1019-0491 1022-0672 1031-1234 1041-0773 1049-0229 1049-1319 1110-0620 1113-0872 1119-0756 1011-1514 1019-0500 1023-0026 1031-1252 1041-0778 1049-0234 1049-1325 1110-0684 1113-0923 1119-0794 1011-8912 1019-0551 1023-0029 1031-1261 1041-0782 1049-0237 1049-1338 1110-1791 1113-1029 1119-0820 1011-8959 1019-0617 1023-0033 1031-1267 1041-0831 1049-0276 1049-1353 1110-1795 1113-1087 1119-0851 1012-0067 1019-0798 1023-0047 1031-1299 1041-0850 1049-0280 1049-1368 1110-2486 1113-1179 1119-0878 1012-0116 1019-0801 1023-0066 1031-1315 1041-0869 1049-0294 1049-1927 1110-2497 1113-1206 1119-0883 1012-0186 1019-0898 1023-0105 1031-8968 1041-1011 1049-0303 1049-2044 1110-2545 1113-1255 1119-0886 1012-0225 1019-0909 1023-0106 1039-0348 1041-1059 1049-0329 1049-2220 1111-0084 1113-1579 1119-0895 1012-0364 1019-1122 1023-0108 1039-0866 1041-1097 1049-0333 1049-2221 1111-0090 1113-1756 1119-0939 1012-0397 1019-1196 1023-0111 1040-0009 1041-1136 1049-0336 1049-8985 1111-0114 1113-1786 1119-0944 1012-0402 1019-1205 1023-0163 1040-0046 1041-1176 1049-0338 1070-0007 1111-0120 1113-1826 1119-0952 1012-0479 1019-1317 1023-0176 1040-0070 1041-1284 1049-0349 1070-0123 1111-0130 1113-1934 1119-1000 1012-0488 1019-1576 1023-0191 1040-0149 1041-1291 1049-0357 1070-0132 1111-0131 1113-2000 1119-1009 1012-0506 1019-1762 1023-0317 1040-0834 1041-1298 1049-0359 1070-0139 1111-0145 1113-2067 1119-1103 1012-0512 1019-1782 1023-0537 1040-1380 1041-1309 1049-0409 1070-0148 1111-0159 1113-2127 1119-1115 1012-0513 1019-1784 1023-0647 1040-1413 1041-1326 1049-0427 1070-0172 1111-0163 1113-2274 1119-1132 1012-0544 1019-1807 1023-0711 1040-2275 1041-1332 1049-0464 1070-0173 1111-0189 1119-0025 1119-1182 1012-0567 1019-1816 1030-0013 1041-0078 1041-1334 1049-0488 1070-0244 1111-0191 1119-0054 1119-1249 1012-0646 1019-1832 1030-0068 1041-0094 1041-1337 1049-0490 1070-0346 1111-0204 1119-0075 1119-1260 1012-0708 1020-0060 1030-0086 1041-0125 1041-1340 1049-0516 1070-0364 1111-0205 1119-0123 1119-1317 1012-0803 1020-0095 1030-0146 1041-0139 1041-1352 1049-0574 1070-0382 1111-0207 1119-0146 1119-1342 1012-0941 1020-0606 1030-0346 1041-0146 1041-1362 1049-0580 1070-0386 1111-0209 1119-0151 1119-1368 1012-0976 1020-0611 1030-0353 1041-0147 1041-1371 1049-0588 1070-0394 1111-0211 1119-0197 1119-1485 1012-0979 1020-0701 1030-1326 1041-0155 1041-1373 1049-0600 1070-0413 1111-0232 1119-0227 1119-1487 1012-1103 1020-8925 1030-8944 1041-0162 1041-1376 1049-0660 1070-0449 1111-0238 1119-0238 1119-1488 Exhibit "F" Group 2 Tier 2(coot) 11194557 1130-0808 1140-1454 1149-2200 1211-4326 1222-3210 1222-4485 1241-0377 1251-8456 2111-7670 1119-1577 1130-0879 1140-1711 1149-2214 1211-4331 1222-3219 1222-4487 1241-0392 1251-8493 2111-7688 1119-1628 1130-0959 1140-9362 1149-2243 1211-4338 1222-3321 1222-8701 1243-0076 1251-8521 2111-7699 1119-1632 1130-1216 1149-0114 1149-2298 1211-4342 1222-3419 1222-8736 1243-0080 1252-0006 2111-7700 1119-1641 1130-1295 1149-0137 1149-2335 1211-4353 1222-3448 1222-8751 1243-0177 1252-0052 2111-7701 1119-1659 1130-1433 1149-0185 1149-2481 1211-4379 1222-3699 1222-8758 1243-8452 2110-7002 2111-7765 1119-1662 1130-1558 1149-0201 1149-2519 1211-4383 1222-3715 1222-8766 1250-0709 2110-7012 2111-7767 1119-1665 1130-1788 1149-0222 1149-9390 1211-4398 1222-3759 1224-0233 1250-0801 2110-7023 2111-7768 1119-1884 1130-2526 1149-0234 1163-1148 1211-4419 1222-3765 1224-0239 1250-0822 2110-7288 2111-7820 1119-2068 1130-2542 1149-0252 1163-1287 1211-4420 1222-3785 1224-0240 1250-0851 2110-7323 2111-7824 1119-2248 1130-9351 1149-0256 1210-2967 1211-4426 1222-3857 1224-8740 1250-0864 2110-7398 2111-7834 1119-2251 1130-9394 1149-0261 1210-3167 1211-4427 1222-3913 1230-0638 1250-0887 2110-8060 2111-7836 1119-2252 1130-9409 1149-0277 1210-3724 1211-4428 1222-3927 1230-0665 1250-8469 2110-8066 2111-7837 1119-2323 1130-9422 1149-0279 1210-3877 1211-4441 1222-3954 1230-0672 1250-8496 2110-8070 2111-7843 1119-2389 1131-0009 1149-0287 1210-4065 1211-4461 1222-3998 1230-0689 1251-0060 2110-8071 2111-7857 1119-2393 1131-0057 1149-0310 1211-0103 1211-8201 1222-4045 1230-8495 1251-0227 2110-8072 2111-7866 1119-2423 1131-0207 1149-0317 1211-0198 1211-8205 1222-4049 1231-0357 1251-0388 2110-8075 2111-7884 1119-2428 1131-0255 1149-0321 1211-0203 1212-0181 1222-4066 1231-0382 1251-0431 2110-8078 2111-7894 1119-2431 1131-0471 1149-0328 1211-0539 1213-0224 1222-4069 1231-7195 1251-0442 2110-8088 2111-7896 1119-2442 1131-0527 1149-0465 1211-0654 1220-0339 1222-4076 1232-0008 1251-0486 2110-8106 2111-7913 1119-2461 1131-0630 1149-0470 1211-3239 1220-3361 1222-4086 1232-0218 1251-0563 2110-8109 2111-7914 1119-2550 1131-0701 1149-0477 1211-3341 1220-3776 1222-4125 1232-0228 1251-0574 2110-8121 2111-7928 1119-2560 1131-0761 1149-0493 1211-3505 1220-3917 1222-4249 1232-0321 1251-0703 2110-8189 2111-7930 1119-9357 1131-0912 1149-0495 1211-3589 1220-3936 1222-4255 1232-0353 1251-0707 2110-8352 2111-7953 1119-9387 1131-1025 1149-0556 1211-3658 1220-3939 1222-4257 1232-0401 1251-0726 2110-9193 2111-8015 1119-9406 1131-1061 1149-0581 1211-3667 1220-4123 1222-4259 1232-0411 1251-0767 2111-7004 2112-7252 1120-1761 1131-1064 1149-0652 1211-3680 1220-4172 1222-4268 1232-0601 1251-0773 2111-7008 2112-7254 1122-0128 1131-1065 1149-0738 1211-3700 1220-4198 1222-4278 1232-0602 1251-0776 2111-7013 2112-7261 1122-0179 1131-1392 1149-0818 1211-3702 1220-4220 1222-4298 1232-0631 1251-0787 2111-7016 2112-7276 1122-0237 1131-1459 1149-0922 12fl-3750 1220-4310 1222-4301 1232-0633 1251-0806 2111-7018 2112-7330 1122-0534 1131-1523 1149-0950- 1211-3772 1220-4386 1222-4335 1232-0640 1251-0814 2111-7020 2112-7376 1122-0679 1131-1593 1149-0990 1211-3899 1220-4503 1222-4336 1232-0641 1251-0815 2111-7021 2112-7384 1122-0733 1131-1744 1149-1052 1211-3912 1220-8704 1222-4337 1232-0661 1251-0817 2111-7025 2112-7439 1123-0467 1131-2113 1149-1157 1211-3971 1220-8709 1222-4343 1232-0673 1251-0819 2111-7028 2112-7449 1123-0473 1131-2190 1149-1158 1211-4039 1221-0499 1222-4354 1232-0677 1251-0826 2111-7034 2112-7450 1123-1406 1131-2290 1149-1161 1211-4100 1221-0525 1222-4356 1232-0679 1251-0832 2111-7278 2112-7451 1123-2183 1131-2340 1149-1168 1211-4134 1221-0547 1222-4364 1232-0681 1251-0836 2111-7335 2112-7455 1123-2207 1131-2366 1149-1222 1211-4148 1221-0549 1222-4368 1232-0687 1251-0838 2111-7337 2112-7458 1123-2250 1131-2371 1149-1227 1211-4161 1221-0587 1222-4377 1232-0688 1251-0844 2111-7418 2112-7459 1123-2263 1131-2544 1149-1247 1211-4211 1221-0590 1222-4388 1232-0692 1251-0846 2111-7420 2112-8725 1130-0086 1131-2555 1149-1268 1211-4231 1221-0601 1222-4391 1232-0694 1251-0847 2111-7422 2112-8729 1130-0092 1131-9416 1149-1270 1211-4239 1221-0629 1222-4396 1232-0695 1251-0859 2111-7426 2112-8732 1130-0096 1140-0069 1149-1279 1211-4240 1221-8733 1222-4399 1232-0698 1251-0860 2111-7427 2112-8734 1130-0107 1140-0076 1149-1371 1211-4269 1222-0075 1222-4400 1232-0699 1251-0862 2111-7428 2112-8735 1130-0127 1140-0264 1149-1670 1211-4273 1222-0347 1222-4406 1233-0809 1251-0866 2111-7436 2112-8736 1130-0139 1140-0669 1149-1762 1211-4277 1222-0350 1222-4413 1233-0843 1251-0867 2111-7657 2112-8740 1130-0338 1140-1101 1149-2149 1211-4281 1222-1040 1222-4415 1233-0861 1251-0874 2111-7665 2112-8744 1130-0341 1140-1328 1149-2180 1211-4299 1222-2168 1222-4459 1240-0289 1251-0894 2111-7668 2112-8746 Exhibit "F" Group 2 Tier 2(coot) 2112-8747 2112-9196 2113-7346 2113-8372 2113-8695 2116-9106 2118-8627 2212-7484 2212-7855 2213-7693 2112-8751 2113-7005 2113-7400 2113-8378 2113-8711 2116-9111 2118-8628 2212-7491 2212-7860 2213-7883 2112-8756 2113-7011 2113-7402 2113-8384 2113-8712 2116-9117 2118-9202 2212-7493 2212-7873 2213-7889 2112-8760 2113-7013 2113-7404 2113-8390 2113-8713 2116-9118 2119-7719 2212-7502 2212-7874 2213-7912 2112-8761 2113-7015 2113-7406 2113-8395 2113-9177 2116-9122 2119-7720 2212-7507 2212-7883 2213-7924 2112-8763 2113-7022 2113-7409 2113-8397 2113-9182 2116-9123 2119-7727 2212-7518 2212-7893 2213-7925 2112-8766 2113-7027 2113-7505 2113-8401 2113-9203 2116-9126 2119-7731 2212-7523 2212-8309 2213-7953 2112-8769 2113-7039 2113-8017 2113-8407 2113-9206 2116-9127 2119-7733 2212-7532 2212-8313 2213-7958 2112-8774 2113-7040 2113-8028 2113-8411 2113-9209 2116-9142 2119-7734 2212-7541 2212-8340 2213-7965 2112-8778 2113-7048 2113-8030 2113-8413 2113-9210 2116-9144 2119-7741 2212-7548 2212-8342 2213-7975 2112-8779 2113-7050 2113-8034 2113-8414 2114-7001 2116-9145 2119-7749 2212-7553 2212-8345 2213-7976 2112-8781 2113-7052 2113-8035 2113-8421 2114-7022 2116-9154 2211-7224 2212-7564 2213-7005 2213-7978 2112-8784 2113-7069 2113-8037 2113-8440 2114-8908 2116-9158 2211-7227 2212-7571 2213-7019 2213-7980 2112-8785 2113-7074 2113-8040 2113-8447 2114-8940 2117-7020 2211-7229 2212-7601 2213-7020 2213-7982 2112-8788 2113-7083 2113-8042 2113-8458 2114-8944 2117-8900 2211-7354 2212-7603 2213-7026 2213-7991 2112-8791 2113-7086 2113-8048 2113-8464 2114-8947 2117-8901 2211-7357 2212-7611 2213-7028 2213-8007 2112-8792 2113-7088 2113-8058 2113-8466 2114-8949 2117-8905 2211-7362 2212-7612 2213-7061 2213-8011 2112-8794 2113-7099 2113-8131 2113-8471 2114-8959 2117-8928 2211-7364 2212-7624 2213-7089 2213-8014 2112-8797 2113-7106 2113-8132 2113-8472 2114-8960 2117-8929 2211-7377 2212-7637 2213-7090 2213-8017 2112-8800 2113-7112 2113-8136 2113-8486 2114-8963 2117-8930 2211-7386 2212-7648 2213-7107 2213-8036 2112-8801 2113-7122 2113-8137 2113-8491 2114-8966 2117-8937 2211-7398 2212-7650 2213-7125 2213-8037 2112-8805 2113-7124 2113-8143 2113-8492 2115-7261 2118-7028 2211-7404 2212-7654 2213-7177 2213-8039 2112-8806 2113-7134 2113-8151 2113-8503 2115-7318 2118-7079 2211-7405 2212-7659 2213-7320 2213-8045 2112-8807 2113-7137 2113-8156 2113-8513 2115-7331 2118-7081 2211-7437 2212-7661 2213-7333 2213-8046 2112-8808 2113-7157 2113-8157 2113-8516 2115-7332 2118-7093 2211-7440 2212-7663 2213-7342 2213-8057 2112-8815 2113-7158 2113-8159 2113-8529 2115-7340 2118-7097 2211-7450 2212-7665 2213-7370 2213-8065 2112-8817 2113-7159 2113-8163 2113-8533 2115-7464 2118-7101 2211-8079 2212-7669 2213-7371 2213-8067 2112-8818 2113-7162 2113-8173 2113-8534 2115-7483 2118-7121 2211-8278 2212-7671 2213-7498 2213-8071 2112-8830 2113-7164 2113-8175 2113-8548 2115-8982 2118-7152 2211-8288 2212-7672 2213-7507 2213-8076 2112-8838 2113-7172 2113-8195 2113-8551 2115-8989 2118-7168 2211-8315 2212-7680 2213-7511 2213-8079 2112-8840 2113-7173 2113-8248 2113-8552 2115-8999 2118-7177 2211-8325 2212-7681 2213-7520 2213-8082 2112-8841 2113-7185 2113-8259 2113-8555 2115-9017 2118-7186 2211-8330 2212-7690 2213-7534 2213-8084 2112-8843 2113-7188 2113-8262 2113-8556 2115-9021 2118-7202 2212-7021 2212-7692 2213-7537 2213-8094 2112-8849 2113-7191 2113-8263 2113-8557 2115-9025 2118-7233 2212-7067 2212-7695 2213-7554 2213-8100 2112-8858 2113-7192 2113-8266 2113-8565 2115-9027 2118-7239 2212-7068 2212-7699 2213-7556 2213-8130 2112-8863 2113-7206 2113-8267 2113-8570 2115-9036 2118-7294 2212-7091 2212-7700 2213-7568 2213-8145 2112-8865 2113-7214 2113-8268 2113-8600 2115-9046 2118-7295 2212-7119 2212-7715 2213-7569 2213-8186 2112-8871 2113-7223 2113-8272 2113-8603 2115-9049 2118-7368 2212-7194 2212-7730 2213-7572 2213-8191 2112-8874 2113-7231 2113-8273 2113-8604 2115-9067 2118-8027 2212-7201 2212-7732 2213-7592 2213-8193 2112-8884 2113-7232 2113-8274 2113-8611 2115-9068 2118-8205 2212-7202 2212-7737 2213-7594 2213-8203 2112-8886 2113-7240 2113-8277 2113-8614 2115-9074 2118-8392 2212-7204 2212-7773 2213-7600 2213-8216 2112-8891 2113-7284 2113-8298 2113-8623 2116-7478 2118-8490 2212-7216 2212-7799 2213-7619 2213-8235 2112-8894 2113-7290 2113-8328 2113-8644 2116-9090 2118-8520 2212-7232 2212-7803 2213-7629 2213-8236 2112-8896 2113-7299 2113-8332 2113-8659 2116-9091 2118-8523 2212-7239 2212-7817 2213-7642 2213-8243 2112-8897 2113-7301 2113-8333 2113-8661 2116-9092 2118-8526 2212-7256 2212-7821 2213-7654 2213-8246 2112-8898 2113-7310 2113-8334 2113-8665 2116-9095 2118-8581 2212-7305 2212-7827 2213-7687 2213-8247 2112-9166 2113-7334 2113-8338 2113-8675 2116-9100 2118-8583 2212-7314 2212-7830 2213-7691 2214-7560 2112-9180 2113-7342 2113-8348 2113-8680 2116-9102 2118-8591 2212-7452 2212-7848 2213-7692 2214-7577 Exhibit "F" Group 2 Tier 2(coot) 22147586 2220-8013 2223-8143 2260-7406 2311-7685 2313-7232 2313-8077 2313-8563 2313-8738 2360-8768 2214-7641 2220-8014 2223-8144 2260-7411 2311-7689 2313-7252 2313-8099 2313-8564 2313-8746 2360-8796 2214-7644 2220-8026 2223-8151 2260-7419 2311-7694 2313-7279 2313-8101 2313-8570 2313-8750 2410-7039 2214-7659 2220-8027 2223-8154 2260-7421 2311-7695 2313-7292 2313-8110 2313-8571 2313-8751 2410-7395 2214-7669 2220-8274 2223-8157 2260-7455 2311-7699 2313-7496 2313-8116 2313-8573 2313-8755 2410-7482 2214-7670 2220-8307 2223-8158 2260-7464 2311-7701 2313-7515 2313-8130 2313-8578 2313-8757 2410-7484 2214-7909 2220-8335 2223-8159 2260-7465 2311-7710 2313-7557 2313-8134 2313-8579 2313-8760 2410-7490 2214-7940 2223-7051 2223-8160 2260-7488 2311-7712 2313-7898 2313-8141 2313-8580 2313-8762 2410-7505 2214-8224 2223-7157 2223-8162 2260-7529 2311-7713 2313-7899 2313-8145 2313-8587 2313-8763 2410-7508 2214-8248 2223-7186 2223-8164 2260-7548 2311-7728 2313-7900 2313-8148 2313-8591 2313-8764 2410-7512 2214-9200 2223-7906 2223-8165 2260-7608 2311-7729 2313-7903 2313-8150 2313-8595 2313-8780 2410-7515 2216-8254 2223-7908 2223-8173 2260-7609 2312-7077 2313-7907 2313-8151 2313-8597 2313-8793 2410-7522 2219-7502 2223-7909 2223-8187 2260-7612 2312-7152 2313-7911 2313-8152 2313-8598 2313-8797 2410-7535 2219-7584 2223-7910 2223-8191 2260-7613 2312-7742 2313-7913 2313-8156 2313-8599 2313-8803 2410-7538 2219-7622 2223-7912 2223-8198 2260-7633 2312-7744 2313-7915 2313-8158 2313-8603 2313-8816 2410-7546 2219-7665 2223-7913 2223-8199 2260-7637 2312-7747 2313-7922 2313-8163 2313-8606 2313-8821 2410-7547 2219-7686 2223-7917 2223-8202 2260-7707 2312-7750 2313-7923 2313-8174 2313-8613 2313-8826 2410-7557 2219-7703 2223-7919 2223-8206 2260-7712 2312-7751 2313-7925 2313-8181 2313-8618 2313-8827 2410-7565 2219-7879 2223-7920 2223-8207 2260-7718 2312-7782 2313-7927 2313-8185 2313-8622 2313-8849 2410-7572 2219-7896 2223-8028 2223-8213 2260-7746 2312-7786 2313-7928 2313-8186 2313-8626 2313-8852 2410-7592 2219-7898 2223-8029 2223-8215 2260-7751 2312-7794 2313-7929 2313-8193 2313-8633 2313-8865 2410-7600 2219-7910 2223-8032 2223-8220 2260-7761 2312-7801 2313-7930 2313-8209 2313-8636 2313-8879 2410-7609 2219-7911 2223-8039 2223-8223 2260-7764 2312-7804 2313-7932 2313-8211 2313-8637 2319-8083 2410-7611 2219-7932 2223-8040 2223-8230 2260-7772 2312-7805 2313-7933 2313-8220 2313-8638 2319-8094 2410-7615 2219-7933 2223-8042 2223-8231 2260-7773 2312-7808 2313-7939 2313-8226 2313-8639 2319-8169 2410-7623 2219-7936 2223-8050 2223-8238 2260-7786 2312-7809 2313-7944 2313-8230 2313-8644 2319-8847 2410-7632 2219-8127 2223-8057 2223-8239 2260-7787 2312-7811 2313-7946 2313-8235 2313-8646 2360-7322 2410-7646 2219-8133 2223-8058 2223-8242 2260-7803 2312-7812 2313-7948 2313-8240 2313-8654 2360-7444 2410-7653 2219-8165 2223-8059 2223-8244 2260-7811 2312-7817 2313-7949 2313-8241 2313-8658 2360-7450 2410-7657 2219-8213 2223-8063 2223-8254 2260-7837 2312-7820 2313-7951 2313-8245 2313-8662 2360-7765 2410-7676 2219-8238 2223-8067 2223-8255 2260-7847 2312-7822 2313-7953 2313-8255 2313-8664 2360-7775 2410-7677 2220-7938 2223-8069 2223-8259 2260-7854 2312-7833 2313-7963 2313-8256 2313-8677 2360-8322 2410-7824 2220-7942 2223-8070 2223-8261 2260-7857 2312-7846 2313-7975 2313-8259 2313-8678 2360-8365 2410-7887 2220-7944 2223-8075 2223-8266 2260-7861 2312-7857 2313-7977 2313-8260 2313-8680 2360-8367 2410-7888 2220-7945 2223-8076 2223-8267 2260-7862 2312-7861 2313-7978 2313-8507 2313-8685 2360-8392 2410-7905 2220-7946 2223-8096 2223-8271 2260-7994 2312-7862 2313-7983 2313-8511 2313-8686 2360-8410 2410-7935 2220-7949 2223-8097 2223-8272 2260-7996 2312-7864 2313-7992 2313-8512 2313-8687 2360-8414 2410-8075 2220-7951 2223-8105 2223-8273 2260-8211 2312-7866 2313-7996 2313-8515 2313-8688 2360-8417 2410-8102 2220-7955 2223-8107 2223-8303 2260-8251 2312-7872 2313-7997 2313-8516 2313-8689 2360-8428 2410-8104 2220-7960 2223-8111 2223-8305 2260-8259 2312-7882 2313-8001 2313-8518 2313-8690 2360-8435 2410-8106 2220-7963 2223-8113 2223-8306 2260-9200 2313-7160 2313-8013 2313-8523 2313-8701 2360-8447 2410-8107 2220-7975 2223-8114 2223-8311 2311-7655 2313-7161 2313-8015 2313-8526 2313-8702 2360-8451 2410-8110 2220-7980 2223-8118 2223-8314 2311-7656 2313-7163 2313-8029 2313-8528 2313-8704 2360-8475 2410-8111 2220-7982 2223-8121 2223-8338 2311-7657 2313-7169 2313-8032 2313-8534 2313-8713 2360-8480 2410-8112 2220-7983 2223-8123 2223-8346 2311-7659 2313-7185 2313-8040 2313-8540 2313-8716 2360-8481 2410-8149 2220-7984 2223-8124 2260-7017 2311-7668 2313-7196 2313-8054 2313-8541 2313-8727 2360-8482 2410-8164 2220-7997 2223-8129 2260-7249 2311-7678 2313-7207 2313-8061 2313-8553 2313-8734 2360-8483 2410-8431 2220-8011 2223-8140 2260-7400 2311-7682 2313-7217 2313-8076 2313-8560 2313-8735 2360-8766 2412-7023 Exhibit "F" Group 2 Tier 2(cont) 2412-7079 2412-7462 2412-8147 2420-7646 2422-7767 2430-8334 2433-7964 2433-8208 2434-8563 2510-8223 2412-7082 2412-7464 2412-8159 2420-7655 2422-7776 2430-8342 2433-7965 2433-8210 2434-8567 2510-8261 2412-7085 2412-7465 2412-8171 2420-7656 2422-7780 2430-8343 2433-7968 2433-8213 2434-8606 2514-7262 2412-7091 2412-7691 2412-8174 2420-7658 2422-7782 2430-8351 2433-7970 2433-8216 2440-7702 2514-7263 2412-7104 2412-7809 2412-8177 2420-7659 2422-7785 2430-8353 2433-7983 2433-8218 2440-7703 2514-8018 2412-7134 2412-7810 2412-8182 2420-7660 2422-7786 2430-8358 2433-7986 2433-8222 2440-7709 2514-8032 2412-7137 2412-7816 2412-8185 2420-7664 2422-7788 2430-8366 2433-7987 2433-8226 2440-7713 2514-8048 2412-7172 2412-7834 2412-8188 2420-7665 2422-7789 2430-8367 2433-7998 2433-8236 2440-7722 2514-8057 2412-7179 2412-7836 2412-8189 2420-7666 2422-7790 2430-8374 2433-8000 2433-8239 2440-7725 2514-8059 2412-7192 2412-7838 2412-8197 2420-7667 2422-7804 2430-8377 2433-8004 2433-8252 2440-7727 2514-8063 2412-7193 2412-7850 2412-8207 2420-7668 2422-7805 2430-8398 2433-8015 2433-8257 2440-7732 2514-8073 2412-7204 2412-7866 2412-8212 2420-7671 2422-7807 2430-8403 2433-8026 2433-8265 2440-7744 2514-8118 2412-7307 2412-7874 2412-8213 2420-7675 2422-7812 2430-8407 2433-8027 2433-8280 2440-7747 2514-8122 2412-7308 2412-7878 2412-8215 2420-7680 2422-7815 2430-8410 2433-8034 2433-8281 2440-7755 2514-8135 2412-7309 2412-7881 2412-8220 2420-7682 2422-7816 2430-8424 2433-8035 2433-8283 2440-7768 2514-8161 2412-7310 2412-7901 2412-8227 2420-7688 2422-7817 2430-8428 2433-8037 2433-8287 2440-7769 2514-8162 2412-7311 2412-7907 2412-8237 2420-7697 2422-7820 2430-8429 2433-8039 2433-8290 2440-7781 2514-8166 2412-7312 2412-7923 2412-8241 2420-7708 2422-7824 2430-8433 2433-8042 2433-8291 2440-7788 2514-8198 2412-7313 2412-7929 2412-8248 2420-7712 2422-7833 2430-8435 2433-8045 2433-8292 2440-7789 2514-8283 2412-7318 2412-7952 2412-8250 2420-7731 2422-7836 2430-8446 2433-8047 2433-8293 2440-7790 2514-8302 2412-7324 2412-7954 2412-8252 2420-7733 2422-7840 2430-8459 2433-8051 2433-8302 2440-7801 2514-8325 2412-7326 2412-7956 2412-8253 2420-7739 2422-7861 2430-8463 2433-8052 2433-8304 2440-7802 2514-8451 2412-7328 2412-7960 2412-8256 2420-7744 2422-7871 2430-8465 2433-8083 2433-8306 2440-8426 2515-7318 2412-7330 2412-7961 2412-8257 2420-7750 2422-7875 2430-8467 2433-8084 2433-8318 2441-7087 2515-7323 2412-7336 2412-7973 2412-8259 2420-7752 2422-7876 2430-8468 2433-8093 2433-8491 2441-7088 2515-7870 2412-7344 2412-7981 2412-8260 2420-7753 2422-7877 2430-8476 2433-8106 2433-8496 2441-7124 2515-7872 2412-7346 2412-7988 2412-8263 2420-7757 2422-7879 2430-8611 2433-8111 2433-8497 2441-7157 2515-7881 2412-7348 2412-7992 2412-8265 2420-7762 2422-7882 2430-8616 2433-8113 2433-8498 2441-7190 2515-7884 2412-7361 2412-8005 2412-8267 2420-8603 2422-7887 2430-8622 2433-8114 2433-8505 2441-7208 2515-7905 2412-7369 2412-8025 2412-8273 2420-8636 2422-7906 2430-8637 2433-8133 2433-8513 2441-7435 2515-7923 2412-7370 2412-8028 2412-8275 2420-8648 2422-7909 2430-8658 2433-8144 2433-8514 2441-7436 2515-7940 2412-7378 2412-8029 2412-8282 2421-7002 2422-7913 2430-8678 2433-8150 2433-8515 2441-7902 2515-7945 2412-7384 2412-8036 2412-8284 2421-7037 2422-7914 2430-8680 2433-8151 2433-8525 2441-7904 2515-7947 2412-7385 2412-8043 2412-8299 2421-7053 2422-7924 2432-7853 2433-8153 2433-8529 2441-7940 2515-7967 2412-7386 2412-8049 2412-8307 2421-7561 2422-7927 2432-7870 2433-8158 2433-8536 2441-8013 2515-7969 2412-7388 2412-8051 2412-8308 2421-7573 2422-7940 2432-7920 2433-8159 2433-8542 2441-8022 2515-7991 2412-7407 2412-8058 2412-8318 2421-7580 2422-7943 2432-7922 2433-8164 2433-8543 2441-8023 2515-8348 2412-7420 2412-8063 2412-8320 2421-7587 2423-7641 2432-7944 2433-8173 2433-8544 2441-8053 2515-8383 2412-7426 2412-8064 2412-8340 2421-7605 2423-7766 2433-7317 2433-8176 2433-8545 2441-8056 2515-8386 2412-7433 2412-8065 2412-8349 2421-7612 2423-8641 2433-7344 2433-8177 2433-8548 2441-8066 2515-8401 2412-7444 2412-8071 2412-8352 2421-7618 2430-7361 2433-7412 2433-8179 2433-8550 2441-8068 2515-8404 2412-7445 2412-8073 2412-8388 2421-8625 2430-7438 2433-7413 2433-8180 2433-8591 2441-8361 2515-8406 2412-7446 2412-8093 2412-8394 2422-7069 2430-8319 2433-7415 2433-8181 2433-8593 2442-7382 2519-8367 2412-7450 2412-8097 2412-8423 2422-7231 2430-8321 2433-7423 2433-8184 2433-8652 2442-7474 2519-8373 2412-7451 2412-8098 2420-7101 2422-7262 2430-8322 2433-7426 2433-8193 2433-8662 2442-7478 2519-8375 2412-7456 2412-8124 2420-7150 2422-7286 2430-8323 2433-7947 2433-8198 2433-8663 2442-7886 2519-8381 2412-7459 2412-8125 2420-7239 2422-7636 2430-8324 2433-7951 2433-8199 2433-8687 2442-8010 2520-7075 2412-7460 2412-8144 2420-7635 2422-7638 2430-8330 2433-7958 2433-8204 2434-7582 2510-8213 2520-7089 Exhibit "F" Group 2 Tier 2(coot) 2520-7106 2531-7565 2531-8481 2532-7965 2550-7818 2620-8489 2622-7702 2630-7937 2631-8263 2640-8054 2520-7122 2531-7568 2531-8482 2532-7971 2550-7952 2620-8491 2622-7708 2630-7940 2631-8264 2640-8057 2520-7587 2531-7570 2531-8484 2532-7978 2550-8158 2620-8496 2622-7710 2630-7941 2631-8272 2640-8063 2520-7597 2531-7572 2531-8487 2532-7980 2560-7269 2620-8509 2622-7718 2630-7942 2631-8279 2640-8081 2520-7598 2531-7583 2531-8497 2532-8433 2560-7330 2620-8526 2622-7719 2630-9093 2631-8283 2640-8083 2520-7604 2531-7588 2532-7197 2532-8456 2610-7332 2620-8586 2622-7720 2631-7155 2631-8291 2640-8085 2520-7624 2531-7595 2532-7200 2532-8499 2610-7352 2620-8633 2622-7721 2631-7766 2631-8300 2640-8086 2520-7644 2531-7596 2532-7226 2532-8501 2610-7383 2620-8647 2622-7725 2631-7771 2631-8301 2640-8089 2520-7657 2531-7603 2532-7234 2532-8502 2611-7037 2620-8656 2622-7726 2631-7772 2631-8303 2640-8093 2520-7664 2531-7606 2532-7238 2532-8504 2611-7053 2620-8667 2622-7727 2631-7775 2631-8304 2640-8098 2520-7670 2531-7611 2532-7249 2539-7860 2611-7081 2620-8674 2622-7728 2631-7778 2631-8311 2640-8099 2520-7672 2531-7615 2532-7805 2539-7862 2611-7122 2620-8713 2622-7730 2631-7790 2631-8315 2640-8111 2520-7673 2531-7616 2532-7806 2539-7869 2611-7133 2620-8715 2622-7741 2631-7791 2631-8317 2640-8112 2520-7680 2531-7623 2532-7809 2539-7873 2611-7149 2620-8744 2622-8384 2631-7821 2631-8349 2640-8117 2521-7688 2531-7627 2532-7812 2539-7875 2611-7190 2620-8750 2622-8425 2631-7847 2631-8501 2640-8120 2521-7711 2531-7628 2532-7813 2539-7882 2611-7192 2620-8760 2622-8427 2631-7848 2631-8732 2640-8122 2521-7714 2531-7636 2532-7814 2540-7422 2611-7197 2620-8805 2622-8441 2631-7849 2631-8906 2640-8125 2521-7716 2531-7657 2532-7823 2540-7442 2611-7335 2620-8811 2622-8443 2631-7953 2631-8921 2641-7120 2530-7495 2531-7661 2532-7830 2540-7453 2611-7499 2620-9012 2622-8446 2631-7957 2631-8926 2641-7866 2530-7504 2531-7662 2532-7833 2540-7464 2611-8436 2621-7586 2622-8522 2631-7980 2631-8928 2641-7867 2530-7525 2531-7667 2532-7836 2540-7467 2612-7067 2621-7587 2622-8530 2631-7981 2631-8938 2641-7871 2530-7529 2531-7679 2532-7841 2540-7472 2612-7078 2621-7635 2622-8551 2631-7989 2631-8961 2641-7876 2531-7006 2531-7684 2532-7893 2540-7475 2612-7123 2621-7684 2622-8560 2631-7991 2631-9139 2641-7990 2531-7024 2531-7712 2532-7894 2540-7479 2612-7140 2621-8362 2622-8562 2631-7995 2631-9148 2641-8128 2531-7027 2531-7713 2532-7896 2540-7501 2612-7164 2621-8374 2622-8583 2631-8099 2632-7759 2641-8129 2531-7033 2531-7720 2532-7898 2540-7506 2612-7204 2621-8398 2622-8610 2631-8115 2632-7767 2641-8144 2531-7039 2531-7730 2532-7900 2540-7511 2612-7226 2621-8407 2622-8617 2631-8122 2632-7769 2641-8157 2531-7048 2531-7744 2532-7909 2540-7513 2612-7283 2621-8511 2622-8635 2631-8128 2632-7788 2641-8159 2531-7051 2531-7747 2532-7916 2540-7538 2612-7500 2622-7578 2622-8695 2631-8136 2632-7798 2641-8162 2531-7084 2531-7750 2532-7918 2540-7547 2612-9124 2622-7583 2622-8719 2631-8138 2632-7993 2641-8167 2531-7088 2531-7758 2532-7919 2550-7144 2613-7568 2622-7584 2622-8734 2631-8142 2632-8093 2641-8212 2531-7131 2531-7760 2532-7920 2550-7258 2613-8815 2622-7595 2622-8736 2631-8144 2632-8152 2641-8227 2531-7143 2531-7774 2532-7921 2550-7498 2613-8827 2622-7636 2622-8742 2631-8147 2632-8154 2641-8233 2531-7153 2531-7779 2532-7927 2550-7558 2613-8828 2622-7638 2622-8755 2631-8148 2632-8162 2641-8239 2531-7172 2531-7783 2532-7933 2550-7690 2613-8832 2622-7639 2622-8789 2631-8149 2632-8164 2642-7829 2531-7457 2531-7786 2532-7934 2550-7707 2613-8840 2622-7641 2630-7881 2631-8157 2632-8165 2642-7843 2531-7458 2531-7788 2532-7935 2550-7731 2613-8850 2622-7645 2630-7883 2631-8177 2632-8167 2642-7844 2531-7482 2531-7796 2532-7936 2550-7741 2613-8851 2622-7653 2630-7892 2631-8203 2632-8169 2642-7846 2531-7485 2531-7797 2532-7939 2550-7745 2613-8874 2622-7656 2630-7893 2631-8204 2632-8171 2642-7847 2531-7489 2531-7798 2532-7943 2550-7748 2613-8876 2622-7657 2630-7896 2631-8215 2632-8172 2642-7851 2531-7490 2531-7802 2532-7947 2550-7750 2613-8888 2622-7658 2630-7901 2631-8216 2632-8174 2642-7856 2531-7492 2531-8431 2532-7949 2550-7751 2613-8893 2622-7663 2630-7904 2631-8248 2632-8175 2642-7858 2531-7539 2531-8435 2532-7950 2550-7760 2613-8899 2622-7665 2630-7905 2631-8250 2632-8196 2642-7859 2531-7544 2531-8442 2532-7951 2550-7761 2613-8903 2622-7672 2630-7912 2631-8252 2632-8909 2642-7873 2531-7548 2531-8443 2532-7952 2550-7763 2620-7326 2622-7673 2630-7916 2631-8254 2640-8039 2642-7882 2531-7551 2531-8447 2532-7953 2550-7774 2620-7547 2622-7680 2630-7923 2631-8255 2640-8040 2642-7884 2531-7554 2531-8453 2532-7956 2550-7798 2620-8395 2622-7694 2630-7925 2631-8258 2640-8049 2642-7887 2531-7564 2531-8469 2532-7961 2550-7805 2620-8399 2622-7701 2630-7927 2631-8262 2640-8052 2642-7909 Exhibit "F" Group 2 Tier 2(toot) 2642-7923 2650-8244 2653-7707 2654-7411 2670-8082 2711-7611 2711-8833 2719-7392 2719-8667 2719-9218 2642-7925 2651-7596 2653-7719 2654-7419 2670-8087 2711-7665 2711-8896 2719-7400 2719-8680 2719-9240 2642-7927 2651-7600 2653-7722 2654-7425 2670-8111 2711-7667 2711-8931 2719-7404 2719-8686 2719-9246 2642-7929 2651-7601 2653-7723 2654-7480 2670-8192 2711-7682 2711-8933 2719-7405 2719-8707 2719-9258 2642-7932 2651-7606 2653-7727 2654-7484 2670-8220 2711-7689 2711-8935 2719-7538 2719-8713 2720-7804 2642-7933 2651-7615 2653-7729 2654-7641 2670-8323 2711-7690 2711-8943 2719-7539 2719-8714 2720-7811 2642-7941 2651-7619 2653-7733 2654-7645 2670-8333 2711-8243 2711-8944 2719-7540 2719-8723 2720-7815 2642-7944 2651-7620 2653-7734 2654-7648 2670-8334 2711-8252 2711-8948 2719-7544 2719-8730 2720-7829 2642-7946 2651-7621 2653-7738 2654-7653 2670-8913 2711-8257 2711-8949 2719-7545 2719-8733 2720-7832 2642-7947 2651-7623 2653-7739 2654-7654 2670-8971 2711-8261 2711-8960 2719-7549 2719-8736 2720-7836 2642-7953 2651-7624 2653-7742 2654-7665 2670-9077 2711-8263 2711-8973 2719-7550 2719-8739 2720-7839 2642-7954 2651-7625 2653-7748 2654-7666 2710-7068 2711-8269 2711-8979 2719-7556 2719-8763 2720-7844 2642-7955 2651-7628 2653-7754 2654-8245 2710-7081 2711-8270 2711-8984 2719-7571 2719-8811 2720-7848 2642-7956 2651-7631 2653-7756 2655-7669 2710-7084 2711-8271 2711-8990 2719-7592 2719-8838 2720-7865 2642-7957 2651-7633 2653-7763 2655-7671 2710-7100 2711-8288 2711-9280 2719-7632 2719-8864 2720-7867 2642-7958 2651-8659 2653-7767 2655-7758 2710-7111 2711-8291 2711-9296 2719-7651 2719-8868 2720-7885 2642-7962 2652-7013 2653-7771 2660-8002 2710-7433 2711-8299 2712-7653 2719-7652 2719-8870 2720-7892 2642-7974 2652-7019 2653-7773 2660-8010 2710-7698 2711-8301 2712-9035 2719-7761 2719-8876 2720-7901 2642-7975 2652-7030 2653-7774 2660-8018 2710-7725 2711-8302 2712-9057 2719-8011 2719-8877 2720-7902 2642-7980 2652-7077 2653-7775 2660-8034 2710-7788 2711-8321 2712-9059 2719-8165 2719-8883 2720-7937 2642-8002 2652-7304 2653-7781 2660-8036 2710-7789 2711-8366 2712-9063 2719-8208 2719-8894 2720-7942 2642-8003 2652-7307 2653-7784 2660-8037 2710-7798 2711-8369 2712-9068 2719-8229 2719-8898 2720-7943 2642-8012 2652-7311 2653-7790 2660-8039 2710-7816 2711-8372 2712-9101 2719-8273 2719-8906 2720-7948 2642-8025 2652-7312 2653-7792 2660-8043 2710-7817 2711-8442 2712-9138 2719-8277 2719-8922 2724-7108 2642-8136 2652-7316 2653-7797 2660-8044 2710-7899 2711-8444 2712-9145 2719-8333 2719-8967 2724-7115 2642-8139 2652-7390 2653-7804 2660-8068 2710-7910 2711-8452 2712-9146 2719-8334 2719-8968 2724-7118 2642-8141 2652-7436 2653-7818 2670-7760 2710-7935 2711-8607 2712-9148 2719-8378 2719-8971 2724-7135 2642-8143 2652-7437 2653-7824 2670-7762 2710-7940 2711-8636 2712-9152 2719-8421 2719-8975 2724-7148 2650-7043 2652-7442 2653-8199 2670-7779 2710-7949 2711-8641 2712-9161 2719-8428 2719-8995 2724-7151 2650-7058 2652-7443 2654-7024 2670-7782 2710-8009 2711-8642 2712-9164 2719-8431 2719-9016 2724-7163 2650-7073 2652-7445 2654-7079 2670-7784 2710-8035 2711-8644 2712-9168 2719-8478 2719-9047 2724-7185 2650-7508 2652-7447 2654-7206 2670-7785 2710-8054 2711-8651 2712-9172 2719-8483 2719-9052 2724-7626 2650-7514 2652-7450 2654-7241 2670-7809 2710-8071 2711-8675 2712-9176 2719-8486 2719-9076 2724-7635 2650-7530 2652-7451 2654-7331 2670-7828 2710-8081 2711-8676 2712-9177 2719-8489 2719-9078 2724-7637 2650-7540 2652-7454 2654-7333 2670-7829 2710-8086 2711-8693 2712-9179 2719-8509 2719-9079 2724-7638 2650-7551 2652-7459 2654-7334 2670-7832 2710-8089 2711-8748 2712-9182 2719-8521 2719-9081 2724-7644 2650-7563 2652-7464 2654-7338 2670-7834 2710-8095 2711-8757 2712-9185 2719-8523 2719-9087 2724-7654 2650-7566 2652-7465 2654-7341 2670-7870 2710-8098 2711-8758 2712-9188 2719-8535 2719-9090 2724-7655 2650-7578 2652-7473 2654-7358 2670-7873 2710-8159 2711-8764 2712-9283 2719-8542 2719-9092 2724-7665 2650-7581 2652-7474 2654-7361 2670-7876 2710-8193 2711-8769 2719-7007 2719-8543 2719-9095 2724-7666 2650-7586 2652-7482 2654-7370 2670-7954 2710-8202 2711-8774 2719-7014 2719-8546 2719-9099 2724-7673 2650-7587 2652-7649 2654-7377 2670-7955 2710-9289 2711-8776 2719-7159 2719-8552 2719-9113 2724-7676 2650-7588 2652-8172 2654-7383 2670-7956 2711-7198 2711-8783 2719-7210 2719-8555 2719-9115 2724-7677 2650-7602 2652-8189 2654-7392 2670-7998 2711-7336 2711-8787 2719-7216 2719-8559 2719-9116 2724-7680 2650-7611 2652-8196 2654-7404 2670-8013 2711-7603 2711-8807 2719-7223 2719-8562 2719-9120 2724-7684 2650-7612 2653-7690 2654-7405 2670-8017 2711-7604 2711-8808 2719-7256 2719-8572 2719-9121 2724-7692 2650-7632 2653-7694 2654-7408 2670-8023 2711-7608 2711-8823 2719-7265 2719-8584 2719-9195 2724-7698 2650-8186 2653-7699 2654-7410 2670-8035 2711-7610 2711-8831 2719-7292 2719-8593 2719-9214 2724-7699 Exhibit "F" Group 2 Tier 2(coot) 2724-7703 2724-8077 2724-8355 2724-8538 2739-7276 2739-7562 2749-7260 2749-7546 2759-7013 2759-7882 2724-7719 2724-8087 2724-8358 2724-8548 2739-7281 2739-7572 2749-7268 2749-7551 2759-7082 2759-7888 2724-7724 2724-8099 2724-8359 2724-8549 2739-7282 2739-7575 2749-7274 2749-7559 2759-7087 2759-7898 2724-7732 2724-8111 2724-8363 2724-8554 2739-7283 2739-7577 2749-7276 2749-7560 .2759-7102 2759-7899 2724-7742 2724-8116 2724-8367 2724-8560 2739-7284 2739-7582 2749-7283 2749-7566 2759-7111 2759-7902 2724-7743 2724-8149 2724-8374 2724-8565 2739-7289 2739-7584 2749-7285 2749-7570 2759-7113 2759-7903 2724-7744 2724-8154 2724-8378 2724-8567 2739-7294 2739-7590 2749-7291 2749-7572 2759-7114 2759-7905 2724-7746 2724-8155 2724-8380 2724-8572 2739-7296 2739-7591 2749-7294 2749-7575 2759-7169 2759-7908 2724-7750 2724-8161 2724-8385 2724-8574 2739-7307 2739-7594 2749-7298 2749-7577 2759-7185 2759-7914 2724-7753 2724-8165 2724-8387 2724-8576 2739-7310 2739-7599 2749-7305 2749-7584 2759-7190 2759-7921 2724-7756 2724-8168 2724-8388 2724-8583 2739-7316 2739-7618 2749-7307 2749-7588 2759-7683 2759-7926 2724-7757 2724-8172 2724-8390 2724-8585 2739-7321 2739-7626 2749-7314 2749-7592 2759-7689 2759-7930 2724-7768 2724-8176 2724-8391 2724-8587 2739-7325 2739-7635 2749-7316 2749-7593 2759-7694 2759-7935 2724-7769 2724-8178 2724-8394 2724-8593 2739-7326 2739-7636 2749-7318 2749-7595 2759-7704 2759-7937 2724-7772 2724-8181 2724-8396 2724-8599 2739-7328 2739-7640 2749-7320 2749-7600 2759-7705 2759-7939 2724-7774 2724-8183 2724-8401 2724-8602 2739-7332 2739-7647 2749-7321 2749-7602 2759-7707 2759-7942 2724-7776 2724-8185 2724-8405 2724-8604 2739-7336 2739-7651 2749-7322 2749-7603 2759-7709 2759-7946 2724-7788 2724-8187 2724-8410 2724-8609 2739-7344 2739-7659 2749-7335 2749-7606 2759-7712 2759-7947 2724-7807 2724-8188 2724-8413 2724-8619 2739-7345 2739-8276 2749-7337 2749-7615 2759-7714 2759-7949 2724-7813 2724-8195 2724-8419 2724-8620 2739-7354 2739-8285 2749-7342 2749-7618 2759-7715 2759-8073 2724-7835 2724-8198 2724-8428 2724-8623 2739-7355 2740-7371 2749-7354 2749-7619 2759-7725 2759-8075 2724-7870 2724-8200 2724-8429 2724-8624 2739-7366 2740-7376 2749-7357 2749-7620 2759-7745 2759-8077 2724-7884 2724-8206 2724-8434 2724-8625 2739-7378 2740-7380 2749-7359 2749-8641 2759-7747 2759-8079 2724-7891 2724-8212 2724-8435 2724-8640 2739-7452 2740-7386 2749-7362 2749-8659 2759-7748 2759-8081 2724-7938 2724-8219 2724-8437 2730-7385 2739-7453 2740-7387 2749-7464 2749-8665 2759-7751 2759-8083 2724-7958 2724-8222 2724-8438 2730-7394 2739-7457 2740-7392 2749-7465 2750-7124 2759-7756 2759-8086 2724-7961 2724-8228 2724-8442 2730-7401 2739-7461 2740-7395 2749-7470 2750-7128 2759-7764 2759-8088 2724-7963 2724-8229 2724-8444 2730-7404 2739-7463 2740-7403 2749-7472 2750-7130 2759-7767 2759-8090 2724-7971 2724-8234 2724-8447 2730-7413 2739-7473 2740-7406 2749-7475 2750-7132 2759-7777 2759-8092 2724-7972 2724-8237 2724-8453 2730-7414 2739-7488 2740-7410 2749-7476 2750-7133 2759-7780 2759-8096 2724-7974 2724-8243 2724-8461 2730-7422 2739-7490 2740-7412 2749-7485 2750-7135 2759-7783 2759-8106 2724-7981 2724-8245 2724-8462 2730-7426 2739-7494 2740-7413 2749-7486 2750-7727 2759-7785 2759-8109 2724-7984 2724-8250 2724-8465 2730-7434 2739-7496 2740-7416 2749-7487 2750-7958 2759-7789 2759-8111 2724-7991 2724-8258 2724-8467 2730-7440 2739-7498 2740-7419 2749-7491 2750-7966 2759-7790 2759-8113 2724-7993 2724-8271 2724-8471 2730-7449 2739-7506 2740-7420 2749-7494 2750-7971 2759-7792 2759-8114 2724-7997 2724-8282 2724-8480 2730-7450 2739-7509 2740-7425 2749-7504 2750-7987 2759-7804 2759-8117 2724-7998 2724-8284 2724-8482 2739-7017 2739-7512 2740-7432 2749-7510 2750-7988 2759-7808 2759-8118 2724-7999 2724-8288 2724-8483 2739-7036 2739-7515 2740-7455 2749-7515 2750-7997 2759-7809 2759-8121 2724-8006 2724-8290 2724-8489 2739-7044 2739-7526 2740-8633 2749-7516 2750-8028 2759-7811 2759-8139 2724-8011 2724-8292 2724-8491 2739-7064 2739-7527 2740-8654 2749-7522 2750-8033 2759-7813 2759-8142 2724-8012 2724-8309 2724-8498 2739-7068 2739-7533 2749-7056 2749-7525 2750-8056 2759-7821 2759-8143 2724-8015 2724-8312 2724-8503 2739-7077 2739-7535 2749-7060 2749-7526 2750-8057 2759-7823 2759-8154 2724-8017 2724-8317 2724-8510 2739-7094 2739-7539 2749-7065 2749-7529 2750-8158 2759-7827 2759-8179 2724-8019 2724-8325 2724-8519 2739-7254 2739-7541 2749-7082 2749-7530 2750-8243 2759-7831 2759-8182 2724-8043 2724-8331 2724-8525 2739-7258 2739-7548 2749-7110 2749-7535 2750-8246 2759-7841 2759-8187 2724-8063 2724-8338 2724-8527 2739-7259 2739-7554 2749-7172 2749-7538 2750-8247 2759-7872 2759-8190 2724-8067 2724-8342 2724-8529 2739-7261 2739-7556 2749-7257 2749-7542 2750-8286 2759-7873 2759-8195 2724-8069 2724-8353 2724-8531 2739-7264 2739-7559 2749-7258 2749-7543 2759-7002 2759-7875 2759-8196 Exhibit "F" Group 2 Tier 2(cont) 275982OO 2810-8124 2815-8106 2829-7595 2840-8484 2865-8281 2911-7304 2913-7846 2914-7978 2919-7143 2759-8203 2810-8147 2815-8107 2829-7602 2840-8487 2865-8283 2911-7305 2913-7848 2914-7980 2919-7315 2759-8208 2810-8149 2815-8114 2829-7605 2840-8490 2865-8285 2911-7307 2913-7851 2914-7983 2919-7316 2759-8210 2810-8150 2815-8116 2829-8555 2840-8494 2865-8287 2911-7308 2913-7855 2914-7987 2919-7319 2759-8211 2810-8168 2819-7150 2830-7766 2840-8500 2865-8625 2911-7312 2913-7858 2914-7992 2919-7320 2759-8214 2810-8187 2819-7293 2830-7793 2840-8513 2865-8641 2911-8101 2913-7863 2914-7997 2919-7328 2759-8228 2810-8203 2819-8061 2830-7868 2840-8516 2910-7323 2912-7041 2913-7864 2914-7998 2919-7329 2759-8229 2810-8220 2819-8062 2830-7877 2840-8519 2910-7350 2912-7046 2913-7869 2914-8001 2919-7335 2759-8232 2810-8221 2819-8597 2830-7909 2840-8531 2910-7383 2912-7057 2913-7874 2914-8002 2919-7336 2759-8233 2810-8225 2820-7456 2830-7912 2840-8537 2910-7406 2912-7064 2913-7875 2914-8004 2919-7338 2759-8252 2810-8233 2820-7458 2830-7917 2840-8647 2910-7430 2912-7066 2913-7877 2914-8007 2919-7347 2759-8253 2810-8238 2820-7514 2830-7922 2841-7010 2910-7454 2912-7071 2913-7879 2914-8144 2919-7373 2759-8258 2810-8239 2820-7517 2830-7931 2841-7046 2910-7461 2912-7100 2913-7881 2914-8148 2919-7414 2759-8280 2810-8240 2820-7521 2830-7945 2841-7461 2910-7463 2912-7124 2913-7882 2914-8149 2919-7420 2759-8292 2810-8243 2820-7523 2830-7947 2842-8321 2910-7465 2912-7130 2913-7883 2915-7126 2919-7525 2759-8301 2810-8250 2820-7525 2839-7206 2842-8323 2910-7472 2912-7331 2913-7886 2915-7128 2919-7535 2810-7091 2810-8291 2820-7530 2839-7209 2842-8326 2910-7474 2912-7337 2913-7887 2915-7134 2919-7538 2810-7292 2810-8293 2820-7539 2839-7216 2842-8334 2910-7475 2912-7344 2913-7888 2915-8015 2919-7542 2810-7355 2810-8558 2820-7541 2839-7256 2842-8363 2910-7479 2912-7349 2913-7893 2915-8031 2919-7546 2810-7356 2810-8570 2820-7547 2839-7763 2843-8388 2910-7498 2912-7351 2913-7894 2915-8050 2919-7547 2810-7612 2810-8635 2820-7552 2839-7768 2843-8394 2910-7502 2912-7354 2913-7914 2915-8055 2919-7548 2810-7616 2812-7101 2820-7555 2839-7790 2843-8395 2910-7504 2912-7355 2913-8157 2915-8056 2919-7560 2810-7617 2812-7624 2820-7567 2839-7798 2843-8398 2910-7508 2912-7388 2914-7101 2915-8061 2919-7561 2810-7623 2812-7637 2820-7573 2839-7800 2843-8541 2910-7510 2912-7390 2914-7141 2915-8070 2919-7563 2810-7627 2812-7642 2820-7574 2839-7813 2863-7167 2910-7511 2912-7401 2914-7916 2915-8072 2919-7564 2810-7653 2812-7700 2820-7600 2839-7842 2863-7776 2910-7516 2912-7403 2914-7917 2915-8078 2919-7565 2810-7660 2812-7706 2829-7011 2839-7846 2863-7777 2911-7253 2912-7405 2914-7921 2918-7122 2919-7649 2810-7667 2812-7724 2829-7452 2839-7859 2863-7778 2911-7254 2912-7408 2914-7922 2918-8028 2919-8125 2810-7668 2812-7735 2829-7453 2839-7994 2863-7779 2911-7255 2912-7519 2914-7923 2918-8033 2920-7080 2810-7673 2812-7736 2829-7463 2839-7997 2863-7785 2911-7256 2912-7522 2914-7929 2918-8036 2920-8124 2810-7674 2812-7737 2829-7467 2839-8001 2863-7787 2911-7259 2912-7528 2914-7930 2918-8042 2921-7667 2810-7682 2812-7740 2829-7469 2839-8009 2863-7789 2911-7262 2912-7529 2914-7935 2918-8058 2921-7669 2810-7685 2812-7744 2829-7475 2839-8559 2865-7308 2911-7263 2912-7540 2914-7938 2918-8080 2921-7670 2810-7686 2812-7755 2829-7476 2839-8591 2865-7332 2911-7264 2912-7656 2914-7940 2918-8091 2921-7713 2810-7688 2813-7161 2829-7486 2840-7194 2865-7335 2911-7268 2912-7659 2914-7942 2918-8105 2921-7716 2810-7689 2813-7764 2829-7487 2840-8411 2865-8080 2911-7272 2912-7660 2914-7944 2918-8108 2921-7745 2810-7690 2813-7810 2829-7489 2840-8413 2865-8081 2911-7274 2912-7661 2914-7945 2918-8109 2921-7777 2810-7752 2813-7817 2829-7492 2840-8420 2865-8082 2911-7276 2912-7663 2914-7947 2918-8111 2921-7786 2810-7759 2815-7301 2829-7497 2840-8426 2865-8086 2911-7277 2913-7091 2914-7951 2918-8112 2921-7793 2810-7760 2815-7320 2829-7499 2840-8435 2865-8087 2911-7278 2913-7809 2914-7955 2918-8115 2921-7794 2810-8031 2815-7328 2829-7501 2840-8436 2865-8089 2911-7279 2913-7813 2914-7956 2918-8116 2929-7082 2810-8036 2815-8038 2829-7503 2840-8437 2865-8091 2911-7284 2913-7819 2914-7960 2918-8117 2929-7085 2810-8073 2815-8042 2829-7578 2840-8447 2865-8270 2911-7286 2913-7826 2914-7961 2918-8121 2929-7675 2810-8076 2815-8046 2829-7582 2840-8451 2865-8273 2911-7290 2913-7829 2914-7966 2919-7003 2929-7697 2810-8098 2815-8050 2829-7585 2840-8455 2865-8274 2911-7295 2913-7832 2914-7967 2919-7025 2929-7701 2810-8100 2815-8067 2829-7586 2840-8456 2865-8277 2911-7297 2913-7837 2914-7968 2919-7028 2929-7702 2810-8101 2815-8069 2829-7590 2840-8463 2865-8278 2911-7299 2913-7839 2914-7969 2919-7054 2929-7722 2810-8123 2815-8104 2829-7594 2840-8481 2865-8280 2911-7301 2913-7844 2914-7973 2919-7139 2929-7724 Exhibit "F" Group 2 Tier 2(coot) 29297764 3010-8079 3011-7830 3012-8203 3021-7690 3031-8478 3049-7194 3070-7752 3111-7509 3113-8706 2929-7795 3010-8081 3011-7832 3012-8206 3021-7691 3031-8485 3049-7198 3070-7754 3111-7510 3113-8711 2929-7803 3010-8084 3011-7836 3012-8836 3021-7710 3031-8487 3049-7203 3070-8365 3111-7512 3113-8714 2960-7552 3010-8085 3011-7837 3019-8044 3021-7711 3031-8489 3049-7223 3070-8367 3111-7530 3113-8793 2960-7553 3010-8093 3011-7839 3020-7001 3021-7739 3031-8505 3049-7767 3070-8384 3111-7531 3113-8794 2960-7556 3010-8101 3011-7842 3020-7501 3021-7744 3031-8570 3049-8219 3070-8391 3111-7535 3113-8799 2960-7572 3010-8104 3011-7894 3020-7508 3021-7747 3031-8576 3049-8223 3070-8400 3111-7546 3113-8911 2960-7575 3010-8106 3011-7903 3020-7511 3021-7757 3031-8578 3049-8240 3070-8423 3111-7556 3113-8915 2960-7580 3010-8111 3011-7904 3020-7513 3022-8417 3031-8581 3049-8243 3070-8660 3111-7560 3113-8920 2960-7587 3010-8115 3011-7910 3020-7521 3022-8428 3039-8596 3049-8249 3070-8661 3111-7575 3113-9014 2960-7593 3010-8119 3011-7912 3020-7523 3023-7307 3039-8597 3049-8259 3070-8663 3111-7584 3113-9043 2960-7599 3010-8128 3011-7913 3020-7526 3023-8647 3039-8601 3049-8263 3070-8666 3111-7586 3113-9046 2960-7601 3010-8129 3011-7921 3020-7531 3023-8652 3039-8609 3049-8277 3070-8669 3111-7587 3119-7270 2960-7604 3010-8130 3011-7925 3020-7535 3023-8655 3039-8615 3049-8719 3070-8670 3111-7589 3119-7701 2960-7606 3010-8133 3011-7927 3020-7541 3023-8657 3039-8618 3049-8747 3070-8683 3111-7594 3119-7705 2960-7608 3010-8136 3011-7941 3020-7543 3023-8658 3039-8619 3049-8868 3070-8687 3111-7595 3119-7787 2960-7612 3010-8141 3011-7973 3020-7545 3023-8672 3039-8622 3049-8873 3070-8688 3111-7597 3119-7799 2960-7615 3010-8150 3011-7976 3020-7551 3023-8673 3039-8625 3049-8905 3070-8700 3111-7598 3119-7816 2960-7616 3010-8161 3011-7979 3020-7555 3023-8674 3039-8627 3070-7003 3070-8739 3111-9261 3119-7823 2960-7620 3010-8165 3011-7980 3020-7556 3023-8675 3039-8629 3070-7004 3070-8766 3111-9305 3119-7828 2960-7623 3010-8167 3011-7985 3020-7569 3023-8676 3039-8633 3070-7027 3110-7880 3113-7312 3119-7829 2960-7624 3010-8177 3011-7987 3020-7578 3023-8677 3039-8636 3070-7427 3110-7888 3113-7649 3119-7975 2960-7626 3010-8178 3011-7988 3020-7581 3023-8679 3039-8638 3070-7444 3110-7893 3113-7650 3119-7987 2960-7627 3010-8855 3011-7989 3020-7583 3023-8681 3039-8639 3070-7445 3110-7918 3113-7653 3119-8075 2960-7630 3010-8904 3011-7990 3020-7587 3023-8693 3039-8894 3070-7446 3110-7920 3113-7659 3119-8143 2960-7633 3011-7058 3011-7998 3020-7598 3023-8694 3040-7764 3070-7451 3110-7923 3113-7661 3119-8149 2960-7634 3011-7070 3011-7999 3020-7601 3023-8702, 3040-7765 3070-7455 3110-7924 3113-7673 3119-8162 2960-7636 3011-7081 3011-8002 3020-7603 3030-7279 3040-8291 3070-7458 3110-7931 3113-7674 3119-8166 3010-7170 3011-7095 3011-8005 3020-7626 3030-8507 3040-8296 3070-7469 3110-7934 3113-7675 3119-8167 3010-7171 3011-7128 3011-8009 3020-7629 3030-8509 3040-8313 3070-7476 3110-7947 3113-7676 3119-8173 3010-7783 3011-7133 3011-8012 3020-8809 3030-8513 3040-8314 3070-7481 3110-7950 3113-7681 3119-8180 3010-7851 3011-7135 3011-8014 3021-7016 3030-8518 3040-8323 3070-7483 3110-7969 3113-7685 3119-8190 3010-7870 3011-7771 3011-8015 3021-7029 3030-8522 3040-8324 3070-7623 3110-7982 3113-7687 3119-8193 3010-7873 3011-7778 3011-8019 3021-7040 3030-8533 3040-8329 3070-7634 3110-7984 3113-7690 3119-8196 3010-7874 3011-7782 3011-8024 3021-7431 3030-8535 3040-8336 3070-7638 3110-7986 3113-7788 3119-8199 3010-7877 3011-7786 3011-8026 3021-7432 3030-8541 3040-8344 3070-7639 3110-7989 3113-7790 3119-8213 3010-7889 3011-7790 3011-8029 3021-7436 3030-8547 3040-8345 3070-7653 3110-7990 3113-7792 3119-8243 3010-7918 3011-7792 3011-8032 3021-7497 3030-8557 3040-8348 3070-7656 3110-8004 3113-7794 3119-8253 3010-7929 3011-7805 3011-8034 3021-7631 3030-8560 3040-8723 3070-7657 3110-8005 3113-7802 3119-8256 3010-7962 3011-7808 3012-7146 3021-7646 3030-8563 3040-8756 3070-7671 3110-8016 3113-7805 3119-8523 3010-8039 3011-7809 3012-7169 3021-7658 3030-8582 3041-7183 3070-7672 3110-8031 3113-8084 3119-8541 3010-8042 3011-7810 3012-7175 3021-7660 3031-7285 3041-7221 3070-7707 3110-8053 3113-8209 3119-8542 3010-8058 3011-7812 3012-8053 3021-7661 3031-8450 3041-8209 3070-7720 3110-8057 3113-8252 3119-8554 3010-8062 3011-7816 3012-8164 3021-7662 3031-8451 3041-8236 3070-7723 3110-9067 3113-8277 3119-8579 3010-8066 3011-7817 3012-8191 3021-7663 3031-8454 3041-8273 3070-7730 3110-9073 3113-8552 3119-8583 3010-8069 3011-7818 3012-8196 3021-7667 3031-8456 3041-8358 3070-7732 3111-7016 3113-8594 3119-8631 3010-8070 3011-7820 3012-8198 3021-7679 3031-8461 3041-8733 3070-7736 3111-7025 3113-8596 3119-8633 3010-8077 3011-7825 3012-8201 3021-7684 3031-8476 3049-7193 3070-7746 3111-7027 3113-8607 3119-8634 Exhibit "F" Group 2 Tier 2(cont) 3119-8637 3120-8108 3130-8365 3131-8263 3140-8866 3149-8566 3211-7321 3211-8093 3213-7990 3221-7242 3119-8777 3120-8118 3130-8367 3131-8519 3140-8870 3149-8630 3211-7328 3211-8120 3213-7991 3221-7243 3119-8778 3120-8120 3130-8371 3131-8520 3140-8874 3149-8736 3211-7331 3211-8129 3213-7992 3221-7244 3119-8780 3122-7001 3130-8372 3131-8551 3140-8882 3149-8737 3211-7332 3211-8130 3213-7993 3221-7249 3119-8787 3122-7002 3130-8382 3131-8572 3140-9103 3149-8769 3211-7337 3212-8013 3213-7994 3221-7250 3119-8897 3122-7032 3130-8383 3131-8609 3140-9212 3149-8771 3211-7347 3212-8014 3213-7999 3221-7274 3119-8900 3122-7603 3130-8387 3131-8610 3140-9271 3149-8775 3211-7348 3212-8015 3213-8000 3221-7280 3119-8903 3122-7607 3130-8399 3131-8612 3149-7116 3149-8779 3211-7350 3212-8020 3213-8002 3221-7284 3119-8923 3122-7610 3130-8400 3131-8615 3149-7243 3149-8909 3211-7352 3212-8022 3213-8007 3221-7285 3119-8924 3122-7611 3130-8431 3131-8664 3149-7710 3163-8643 3211-7438 3212-8023 3213-8008 3221-7288 3119-8925 3122-7612 3130-8440 3131-8671 3149-7716 3163-8647 3211-7444 3212-8025 3213-8031 3221-7290 3119-8926 3122-7614 3130-8441 3131-8690 3149-7719 3163-8648 3211-7452 3212-8060 3213-8032 3221-7291 3119-8930 3122-7618 3130-8446 3131-8693 3149-7721 3163-8673 3211-7455 3213-7070 3220-7014 3221-7303 3119-8932 3122-7624 3130-8447 3131-8698 3149-7722 3163-8677 3211-7481 3213-7152 3220-7427 3221-7305 3119-8933 3122-7628 3130-8456 3131-8699 3149-7724 3163-8680 3211-7485 3213-7859 3220-7613 3221-7306 3119-8935 3122-7633 3130-8459 3131-8702 3149-7729 3163-8682 3211-7488 3213-7860 3220-7615 3221-7308 3119-8936 3122-7636 3130-8463 3131-8704 3149-7732 3163-8683 3211-7518 3213-7869 3220-7618 3221-7314 3119-8952 3122-7640 3130-8480 3131-8705 3149-7733 3163-8684 3211-7523 3213-7870 3220-7713 3221-7316 3119-8954 3122-7645 3130-8490 3131-8745 3149-7734 3163-8685 3211-7525 3213-7873 3220-7727 3221-7318 3119-8960 3122-7647 3130-8498 3131-8747 3149-7738 3210-7116 3211-7552 3213-7874 3220-7731 3221-7319 3119-8963 3122-9350 3130-8503 3131-8750 3149-7740 3210-7586 3211-7553 3213-7901 3220-7744 3221-7321 3119-8966 3123-7668 3130-8507 3131-8759 3149-7741 3210-7598 3211-7564 3213-7904 3220-7749 3221-7457 3119-8967 3123-8530 3130-8508 3131-8763 3149-7742 3210-7605 3211-7576 3213-7908 3220-7756 3221-7458 3119-8980 3123-8661 3130-8528 3131-8783 3149-7797 3210-7609 3211-7657 3213-7912 3220-7777 3221-7464 3119-8983 3130-8058 3130-8549 3131-8784 3149-7813 3210-7644 3211-7679 3213-7914 3220-7779 3221-7470 3119-8987 3130-8061 3130-8724 3131-8908 3149-7835 3210-7646 3211-7680 3213-7916 3220-7781 3221-7479 3119-8991 3130-8062 3130-8729 3131-8939 3149-7838 3210-7647 3211-7683 3213-7918 3220-7785 3221-7482 3119-8993 3130-8064 3130-9151 3131-8940 3149-7839 3210-7648 3211-7687 3213-7926 3220-7790 3221-7485 3119-8997 3130-8217 3130-9209 3131-8943 3149-7840 3210-7649 3211-7734 3213-7931 3220-7801 3221-7494 3119-9000 3130-8283 3130-9253 3131-8947 3149-7841 3210-8104 3211-7744 3213-7933 3220-7825 3221-7495 3119-9001 3130-8290 3131-7095 3131-8949 3149-7844 3211-7084 3211-7757 3213-7939 3220-7837 3221-7499 3119-9002 3130-8293 3131-7669 3131-8971 3149-7854 3211-7131 3211-7759 3213-7941 3220-7838 3221-7501 3119-9004 3130-8296 3131-7671 3131-8973 3149-7855 3211-7142 3211-7767 3213-7943 3220-7842 3221-8457 3119-9026 3130-8298 3131-7746 3131-8976 3149-7860 3211-7162 3211-7772 3213-7944 3220-7846 3221-8532 3119-9029 3130-8311 3131-7748 3131-8977 3149-7863 3211-7184 3211-7773 3213-7949 3220-7855 3222-7027 3119-9037 3130-8312 3131-7758 3131-9322 3149-7865 3211-7212 3211-7778 3213-7963 3220-7859 3222-7028 3119-9038 3130-8316 3131-7759 3140-7300 3149-8088 3211-7221 3211-7780 3213-7965 3220-7866 3222-7077 3119-9039 3130-8321 3131-7760 3140-8804 3149-8279 3211-7229 3211-7786 3213-7968 3220-7883 3222-7082 3119-9049 3130-8322 3131-7766 3140-8819 3149-8529 3211-7231 3211-7788 3213-7969 3220-7892 3222-7103 3119-9051 3130-8323 3131-7768 3140-8820 3149-8532 3211-7235 3211-7804 3213-7970 3220-7922 3222-7108 3119-9080 3130-8325 3131-7778 3140-8823 3149-8533 3211-7244 3211-7809 3213-7971 3220-7946 3222-7110 3119-9148 3130-8326 3131-7818 3140-8828 3149-8534 3211-7251 3211-7822 3213-7972 3220-7950 3222-7327 3119-9167 3130-8330 3131-8080 3140-8835 3149-8544 3211-7268 3211-7833 3213-7979 3220-7953 3222-7348 3119-9186 3130-8342 3131-8091 3140-8844 3149-8545 3211-7273 3211-7842 3213-7980 3220-8482 3222-7360 3119-9290 3130-8347 3131-8206 3140-8853 3149-8546 3211-7275 3211-7844 3213-7981 3221-7206 3222-7362 3120-8097 3130-8362 3131-8218 3140-8855 3149-8555 3211-7286 3211-7845 3213-7982 3221-7211 3222-7366 3120-8099 3130-8363 3131-8221 3140-8857 3149-8561 3211-7299 3211-7854 3213-7983 3221-7220 3222-7369 3120-8103 3130-8364 3131-8222 3140-8858 3149-8565 3211-7300 3211-8087 3213-7987 3221-7222 3222-7372 Exhibit "F" Group 2 Tier 2(cont) 3222-7382 3222-7997 3222-8310 3231-7353 3240-7873 3241-7370 3250-8226 8000-0010 3222-7389 3222-8003 3222-8315 3231-7383 3240-7877 3241-7371 3250-8442 3222-7390 3222-8009 3222-8320 3232-7407 3240-7889 3241-7373 3251-7062 3222-7404 3222-8013 3222-8336 3232-7416 3240-7893 3241-7381 3251-7082 3222-7411 3222-8020 3222-8362 3232-7418 3240-7894 3241-7393 3251-7112 3222-7413 3222-8025 3222-8370 3232-7420 3240-7899 3241-7394 3251-7114 3222-7418 3222-8030 3222-8376 3232-7427 3240-7900 3242-7403 3251-7991 3222-7424 3222-8033 3222-8382 3232-7430 3240-7906 3243-7680 3251-7994 3222-7442 3222-8041 3222-8477 3232-7435 3240-7911 3243-7681 3251-7995 3222-7448 3222-8042 3222-8496 3232-7437 3240-7913 3243-7695 3251-8014 3222-7452 3222-8048 3222-8498 3232-7439 3240-7916 3243-7701 3251-8015 3222-7465 3222-8062 3222-8578 3232-7443 3240-7922 3243-7702 3251-8020 3222-7473 3222-8073 3222-8625 3232-7446 3240-7929 3243-7706 3251-8022 3222-7478 3222-8083 3222-8639 3232-7452 3240-7934 3243-7713 3251-8040 3222-7479 3222-8085 3222-8649 3232-7458 3240-7935 3243-7718 3251-8042 3222-7483 3222-8086 3222-8660 3232-7460 3240-7937 3243-7720 3251-8045 3222-7494 3222-8087 3222-8680 3232-7467 3240-7939 3243-7728 3251-8050 3222-7509 3222-8090 3222-8692 3232-7473 3240-7947 3243-7732 3251-8054 3222-7511 3222-8091 3224-8401 3232-7476 3240-7953 3243-7733 3251-8055 3222-7514 3222-8093 3224-8411 3232-7478 3240-7955 3243-7744 3251-8059 3222-7515 3222-8098 3224-8420 3232-7484 3240-8400 3243-7751 3251-8061 3222-7521 3222-8099 3224-8432 3232-7488 3241-7254 3243-7755 3251-8063 3222-7524 3222-8102 3224-8441 3232-7632 3241-7255 3243-7759 3251-8087 3222-7534 3222-8103 3224-8463 3232-7636 3241-7256 3243-7762 3251-8100 3222-7542 3222-8110 3230-7507 3232-7640 3241-7257 3243-7770 3251-8106 3222-7543 3222-8120 3230-7513 3232-7648 3241-7258 3243-7776 3251-8109 3222-7549 3222-8123 3230-7519 3232-7658 3241-7263 3243-7781 3251-8115 3222-7552 3222-8125 3230-7522 3232-8394 3241-7269 3243-7784 3251-8234 3222-7555 3222-8150 3230-7527 3232-8415 3241-7270 3243-7791 3251-8235 3222-7556 3222-8154 3230-7535 3233-7107 3241-7277 3243-7792 3251-8244 3222-7560 3222-8161 3230-7540 3233-8026 3241-7279 3243-7799 3251-8256 3222-7574 3222-8169 3230-7549 3233-8078 3241-7285 3243-7803 3251-8260 3222-7579 3222-8182 3230-7554 3233-8083 3241-7286 3243-7970 3251-8262 3222-7585 3222-8184 3230-7556 3233-8335 3241-7300 3243-7975 3251-8264 3222-7586 3222-8190 3230-7568 3233-8337 3241-7308 3243-7976 3251-8267 3222-7590 3222-8196 3230-7569 3233-8339 3241-7309 3243-7978 3251-8268 3222-7592 3222-8199 3230-7570 3233-8340 3241-7312 3243-7979 3251-8270 3222-7607 3222-8202 3230-7575 3233-8353 3241-7315 3243-7982 3251-8272 3222-7624 3222-8215 3230-7580 3240-7737 3241-7342 3243-8384 3251-8284 3222-7650 3222-8238 3230-7582 3240-7818 3241-7344 3250-8130 3251-8315 3222-7662 3222-8239 3230-7586 3240-7829 3241-7347 3250-8140 3251-8316 3222-7677 3222-8251 3230-7594 3240-7836 3241-7348 3250-8147 3251-8322 3222-7680 3222-8258 3230-7657 3240-7841 3241-7358 3250-8150 3251-8323 3222-7681 3222-8261 3231-7291 3240-7847 3241-7362 3250-8166 3251-8325 3222-7684 3222-8267 3231-7295 3240-7852 3241-7363 3250-8170 3251-8329 3222-7784 3222-8289 3231-7304 3240-7858 3241-7364 3250-8182 3251-8365 3222-7807 3222-8292 3231-7324 3240-7864 3241-7365 3250-8196 8000-0005 3222-7818 3222-8308 3231-7327 3240-7872 3241-7369 3250-8206 8000-0006 Exhibit "F" I • 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-Imag Ljb t dill?PbD)&Virtual Remit(VR)301 Availability is shown in Current Day Cycle ... . ...... Routing Transit Number(s) Description Deadline` Avi Fraction See"On-Us"Tab On Us 10:00 PM 0 100% See"On-Us"Tab On Us Controlled Disbursement 10:00 PM 1 100% 0000-0020,0119,0800 Postal Money Orders 10:00 PM 1 100% 0000-0050,0051 US Treasury 10:00 PM 1 100% 0000-9000 Savings Bonds 10:00 PM 1 100% All Others Domestic Institutions 10:00 PM 1/2 95%/5°/0 *Deadlines are Eastern Standard Time CONFIDENTIAL ©2016 J.P.Morgan,All rights reserved. Exhibit "F" 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 CERTIFICATIEXhibitgESIZGANIZATION 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. 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 ‘; /i, -,4„;t4,ZU, *Signature of Qualified Representative Lame!!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 Exhibit "F" City of Round Rock Mr.Mike Schurwon,Purchaser 221 E.Main Street Round Rock,TX 78664 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: 1. 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 confirming the authorized Investment Officers. 3. 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. 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