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Positive Pay ServiceUser Guide

September 2005

SM



The Positive PayService SM User Guide may not, in whole orin part, be copied, photocopied, translated, or reduced to anyelectronic medium or machine readable form or otherwisereproduced or form the basis for any derivative work, withoutthe prior consent, in writing, from JPMorgan Chase & Co.

Copyright © 2000-2005, JPMorgan Chase & Co.

Use of this copyright notice does not imply publication, andall rights, including trade secret rights, are reserved.

Companies, names, and data used in examples herein arefictitious unless otherwise noted.

Printed in the United States of America.

All brand or product names are trademarks or registeredtrademarks of their respective companies.



JPMorgan Chase & Co. 3 Positive Pay Service User Guide

Contents

1 Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4

2 Getting Started . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5Positive Pay Basic Requirements . . . . . . . . . . . . . . . . . . . . . . . 6Setting up Positive Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6Activating Your Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6

Existing Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6New Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7Completing Setup . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7

3 Submitting Check Issues and Voids . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8Submitting Check Issue Files. . . . . . . . . . . . . . . . . . . . . . . . . . 9

Formatting the Check Issue File . . . . . . . . . . . . . . . . . . . . 9Submitting the Issue File Transmittal Recap Form . . . . . . . . 9

Entering and Voiding Issues . . . . . . . . . . . . . . . . . . . . . . . . . 15

4 Reporting Decisions on Positive Pay Exceptions . . . . . . . . . . . . . . . . . . 1 8Overview . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 9

Reading the Positive Pay Exception Report . . . . . . . . . . . . . . . 1 9

Reporting Your Decisions . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 2

Requesting Photocopies and Additional Information . . . . . . . . . 2 2

A Account Reconciliation Processing Sites . . . . . . . . . . . . . . . . . . . . . . . . 2 5

B Bank Location Numbers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 6

C Automated Issue File Transmi t tal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 7




1 Introduction

JPMorgan Chase’s Positive Pay Service provides an effective method to identify discrepanciesbetween checks presented to JPMorgan Chase for payment and your company's check issueinformation. On each banking day, JPMorgan Chase electronically compares the i tems thathave been presented for payment to the issue files you provide.

This comparison identifies checks that do not match the issue file information. The bank payschecks that match your check issue file and notifies you of discrepancies. You can then decideto pay or return those items that do not match your list.

The Payee Name Verification feature can be activated when you provide the payeenames within your check issue file. This advanced feature enhances traditional Positive Payby identifying potential fraudulent checks when the payee name has been changed.

Checks presented to a teller at a JPMorgan Chase Banking Center * will also be matched against the check issue file. If a check appears on the file, i t will be honored. If a check isnot on the file, the teller will direct the presenter to contact the originator of the check.

Your electronically transmitted check issue information updates JPMorgan Chase’s TellerInterface within one hour of the bank’s receipt of your issue file. Manual issues or voids faxedto JPMorgan Chase (by 2:00 P.M. bank processing time) post to the teller system on the nextbusiness day. Future-dated issues are not updated until they become current, and thereforeare not available for teller verification until the issue date occurs .

Note: For this service to work properly, you must transmit the check issue files to JPMorganChase before you release the checks. JPMorgan Chase tellers will not cash checks if

they cannot verify the checks’ validity . * Avai lable in a l l s ta tes exc ept NY, NJ & CT.




2 Getting Started

Before you can use the Positive Pay Service, you will work with a JPMorgan Chase implementation manager to set up your accounts and test transmissions.

This chapter covers the following topics:

Positi ve Pay Basic Requirements

Settin g up Positive Pay

Activa ting Your Account



Chapter 2 Getting Started


Positive Pay Basic Requirements

To use Positive Pay, you must have:

• A supply of checks printed in accordance with JPMorgan Chase ’s MICRspecifications, with the serial number in the upper right-hand cornermatching that in the MICR line.

• Completed the new account questionnaire. This process is describedlater in this chapter.

• A means to send your check issue file to the bank by Internet access ordirect transmission.

Setting up Positive Pay

JPMorgan Chase will assist you with the set-up process.

To set up Positive Pay:

1. C omplete the new account questionnaire, providing the information byphone.

2. With the assistance of your system implementation manager, test andvalidate the transmission process for your check issue file.

3. When you have successfully completed testing, your account isactivated after you have transmitted a complete outstanding checkissue file.

Activating Your Account

Existing Accounts

To activate your account on Positive Pay, you need to clear all exceptionitems from your account. These are checks that have been paid without anoffsetting issue record, referred to as PNI for Paid Not Issued.

Note: The bank does not activate your account on Positive Pay until youclear all exception items.

Your system implementation manager will work with you to accomplish thisin either of two ways:

• With your authorization, JPMorgan Chase purges all PNIs from youraccount. This provides you with a record of the paid items, begins thenext reconciliation period without exceptions, and activates your accounton Positive Pay.

or• You can transmit to the bank all outstanding issue records to offset all

checks currently appearing paid with no issue record (PNIs). At the endof the reconciliation period, your account will balance, and your PositivePay Service can be activated at the beginning of the next reconciliationperiod.



Chapter 2 Getting Started


For existing accounts or new accounts that have checks issued beforecompletion of testing, send JPMorgan Chase a complete issue file of alloutstanding checks on the account. This should include, at a minimum, alloutstanding, unpaid checks issued within the last 30 days.

New Accounts

New accounts should not have checks issued against the account until youhave successfully completed testing. In this case, there is no check issuehistory, and all check issue files can be transmitted on a current basis.

Completing Setup

When you have completed the steps to set up Positive Pay, your systemimplementation manager will inform you that the bank will activate youraccount at the beginning of your reconcilement period.

Note: If you cannot complete setup for Positive Pay within 60 days, ormake significant progress toward completion in that period, thebank will cancel your request.




3 Submitting Check Issues and Voids

By submitting the required files and forms for the Positive Pay Service, youcan transmit check issue files, enter new issues and voids, request checkimages , and request additional information on paid items.


Submitting Check Issue Files

Entering and Voiding Issues



Chapter 3 Submitting Check Issues and Voids


Submitting Check Issue Files

Positive Pay requires you to send your check issue file to JPMorgan Chase onthe same day you release the checks for payment, or any day prior to that.

Formatting the Check Issue File

You can send the check issue file by direct transmission or by JPMorganChase’s Internet service. If you use direct transmission, you may opt toreceive an Automated Issue File Transmittal to validate your transmission.If you do not receive this validation, or if the summary information doesnot match your transmission, you must call ARP Operations for resolution.Alternately, you can validate your file totals with the Issue File TransmittalRecap Form, which you can submit by fax or e-mail.

Your issue file should contain all issued and voided items. To accuratelyreflect your account activity, submit any maintenance transactions withyour input for the current reconcilement period. You may also need tomaintain previously submitted data to ensure accurate up-to-datereports.

For a sample of the file format, see “ARP Standard Input Specifications” on

page 1 2 .Customer-specified file formats will also be considered. Contact yourimplementation manager regarding this option.

To submit your check issue file:

1. Include all issued and voided or canceled items on your issue file,indicating voided/canceled items with a record type indicator of “V.”Issued items do not require a record type indicator.

2. You can use the Miscellaneous Transactions form to submit anytransactions not included on your electronic issue file.

Check issue files can be imported and miscellaneous transactions canalso be submitted through the Bank’s internet service.

3. If you send your file by direct transmission, validate your transmissionto the automated issue file transmittal, or submit your Issue FileTransmittal Recap Form.

4. Deliver your issue file and any manual adjustments to the ARPDepartment on an established schedule by using a predeterminedmethod.

Note: After delivery to the Bank, you should maintain adequate back upof your issue file, in case problems are encountered.




Issue File Transmission Validation

The Issue File Transmittal Recap form allows the bank to verify that yourcheck issue file was received in full, with the number of records andamounts that you intended. JPMorgan Chase will contact you if your file isnot received or if your file does not agree with the accompanying transmittal.

Note: Issue files must be received prior to 11:00 P. M. bank processor time(BPT) to be processed the same day. Files received after 11:00 P. M.BPT will be processed the following business day. (BPT is the time

at the processing site location.)

You can submit the Issue File Transmittal Recap form through the JPMorganChase Internet.

Submitting by Fax

To fax the Issue File Transmittal Recap form:

1. Complete the Issue File Transmittal Recap form in print format. See theexample on pages 12-14.

2. On the day you transmit your check issue file, fax the form to yourAccount Reconciliation processing site. For site information, seeAppendix A, “Account Reconciliation Processing Sites” on page 25 .

To order additional forms, contact your Commercial Client ServicesRepresentative.

JPMorgan Chase & Co. 10 P ositive Pay Service User Guide

To validate the information in a check issue file that you send by directtransmission, JPMorgan Chase will produce an automated File Issue File

Transmittal. Files submitted through the JPMorgan Chase Internetservice are authenticated by the Internet product.

Issue File Transmission Validation

At implementation, you will select one of three options to receivethe file transmittal report:

• Secure Web page: From a secure Web page with a user nameand password, you will be directed to your folder where you canview or export your transmittal reports

• Fax*: You can receive transmittal reports via fax

• Transmission*: You can opt to have the acknowledgementtransmitted to you, in data or report format.

*Additional charges may apply for fax or transmission of reports(See appendix C for sample Automated Issue File Transmittal Report.)

Alternately, you can confirm your transmission by submitting a IssueFile Transmittal Recap Form.





Submitting by E-Mail

To e-mail your Issue File Transmittal Recap form:

1. Complete the Issue File Transmittal Recap form in electronic format.See the example on page 15 .

2. To confirm delivery, enable the Return Receipt or the Confirmationof Delivery feature of your e-mail application.

Note: JPMorgan Chase does not send confirmation that the e-mailwas received.

3. When you transmit your check issue file, e-mail the form to yourAccount Reconciliation processing site. For site information, seeAppendix A, “Account Reconciliation Processing Sites” on page 2 5 .

JPMorgan Chase ARP operations will contact you when they receive thee-mail if they do not receive your check issue file. You will also becontacted if the file received does not match the Issue FileTransmittal Recap.

Note: If you encounter e-mail problems, fax your recap to the PositivePay Processing site for your account.

To order additional forms, contact your Commercial Client ServicesRepresentative.



ARP STANDARD INPUT & OUTPUT SPECIFICATIONS

Additional fields required for Batch Stop Payments (expands record length to 250 from 200)

POSITION SIZE DATA ELEMENT FIELD TYPE FORMAT/JUSTIFICATION201-202 2 Filler Alpha Spaces

203-205 3 Confirmation Alpha Content SpecificThis field should contaeither contain CON - C

206 1 Filler Alpha Spaces

207-226 20 Company ID Alpha NumericLeft justified with spaces to fill to theright.

Company ID as specificonfirmation process.


228-247 20 User ID Alpha NumericLeft justified with spaces to fill to theright.

User ID as specified onprocess.


249 1 Reason NumericOn e character field which identifies thestop reason 1=Other, 2=Lost, 3=Stole


SAMPLE LAYOUT (EXPANDS RECORD LENGTH TO 250 FROM 200) 2 2 2 2 2 2

0 1 2 3 4 5789012345678901234567890123456789012345678901234567890

CON XYZCORPORATI ON J SMI TH 1 CON XYZCORPORATI ON J SMI TH 2 REJ XYZCORPORATI ON J SMI TH 3 CON XYZCORPORATI ON J SMI TH 4 -̂ ^ -̂ - - - - - - - - - - - - - - - - - ^ -̂ - - - - - - - - - - - - - - - - - ^ ^ CONFI RM COMPANY- I D USER- I D REASON



Chapter 3 Full Reconciliation

JPMorgan Chase & Co. 1 5 Account Reconciliation Service s User Guide

Issue Count: Enter the total number of checks for each accountincluded on the file.

Issue Amount: Enter the total dollar amount of checks for each accountincluded in the file.

Void Count: Enter the total number of voids for each account includedon the file.

Void Amount: Enter the total dollar amount of voids for each accountincluded on the file.

Issue Period: Enter the beginning and ending issue dates per accountincluded on the file.

Remarks/Comments: Enter special instructions or questions concerningreconciliation.

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Recap Form Field Descriptions

This example illustrates the information required on the Issue FileTransmittal Recap form (see form on following page):

Fax Number: Enter the fax number of your Account Reconcilementprocessing site. See the list of sites in Appendix A, “AccountReconciliation Processing Sites” on page 2 5 . Leave this field blank

No. of Pages: Enter total number of pages to be faxed /emailed .

Customer Name: Enter your company’s name.

Transmittal Date/Time: Enter the date and time you will be transmittingyour file.

Signature: Must be signed by the company representative submittingthe issue file.

Phone No.: Enter the phone number of the company representativesubmitting the issue file.

Indicate whether these issues are the last issues for the period: CheckYes or No, and enter period dates.

Bank No.: Enter your bank number from the list inAppendix B .

Account No.: Enter your account number(s) included in the issue file.

Check No. From/To: Enter the beginning and ending check numbersincluded in the file for each account number.

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if submitting via email.

I ssue File Transmittal Recap



JPMorgan Chase Account Reconci liation ProcessingISSUE FILE TRANSMITTAL RECAP

Indicate whether these issues are the last issues for the period .

Reconcilement period:Beginning: Ending: An accurate an d complete form en ables your reconc ilemen t to be processed w ithout delay.

Fax Number Deliver Fax To No of Pages

ACCOUNT RECONCILIATIONPROCESSING

Transmittal DataCustomer

NameTransmittal Date/Time

Signature Phone No.

Issue FileBank|

No.Account No. Check No. From/To Issue

CountIssue Amount Void

CountVoid Amount Issue Period

0 0.00 0 0.00

Remarks/Comments

7 Yes No

8 9 10 11 12 13 14 15

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3 4

5 6

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Entering and Voiding Issues

You can enter new issue items and cancel (void) previously entered itemsthat you cannot, or did not, include in the routine transmission.

You can submit these requests through the JPMorgan Chase Internet. To enroll in for the Internet service, contact your implementation manager.

To enter and void issues by fax:

1. Enter Issues and Cancel information on the MiscellaneousTransactions form. See the example on pages 16 -17 . To order thisform, contact your Commercial Client Services Representative.

2. Fax the form to your Account Reconciliation processing site by 2:00 P.M.BPT to assure same-day posting of items.

For the fax number for each site, see Appendix A, “AccountReconciliation Processing Sites” on page 2 5 .

Note: Manual keying charges may apply to all issues submitted for entryto JPMorgan Chase on this form.

Miscellaneous Transactions Form Field Descriptions

This example illustrates the information required on the MiscellaneousTransactions form (see form on following page):

Company Name: Enter your company’s name.

Bank No.: Enter the bank’s number. See the list of bank numbers inAppendix B, “Bank Location Numbers” on page 2 6 .

Account No.: Enter the account number you are submitting informationfor. To make requests for multiple accounts, use a new form for eachaccount.

Submitter’s Name: Enter your name.

Phone No.: Enter your phone number.

Enter the Issues or Cancel Transaction Code.

• Description Issue: In the Issues table, enter IS.

• Description Cancel: In the Cancel table, enter CN.

Serial No.: Enter the check serial number.

Enter the Issue or Cancel Date in MMDDYYYY format.

• Issue Date: In the Issues table, enter the issue date.

• Cancel Date: In the Cancels table, enter the cancel date.

Amount: Enter the dollar amount of the transaction.

Total Issue Dollar Amount: In the Issues table, enter total dollaramount of Add Issue transactions.

Total Cancel Dollar Amount: In the Cancels table, enter total dollaramount of Cancel transactions.

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MISCELLANEOUS TRANSACTIONSJPMorgan Chase

Account Reconciliation ProcessingCompany Name: Bank No.: Account No.:Submi tter Name: Telephon e Number:

Total Dollar Am ount

ISSUES

Description Issue Serial No. Issue Datemm dd yyyy

Amount

1 IS

2 IS

3 IS

4 IS

5 IS

6 IS

7 IS

8 IS

9 IS

10 IS

CANCEL

Description Cancel Serial No. Cancel Datemm dd yyyy

Amount

1 CN

2 CN

3 CN

4 CN

5 CN

6 CN

7 CN8 CN

9 CN

2

$ 10

$ 11

FAX TO:ARP Operations

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4 5

6 7 8 9

6 7 8 9

Total Cancel Dollar Am ount




4 Reporting Decisions on Positive Pay Exceptions

When the bank finds discrepancies between your check issue file and thechecks presented for payment, we notify you through the Positive PayException report. The report lists each check with an exception, andallows you to indicate your decision to pay or return the item.


Overview

Reading the Positive Pay Exception Report

Reporting Your Decisions

Requesting Photocopies and Additional Information



Chapter 4 Reporting Decisions on Positive Pay Exceptions


Overview

Each day, JPMorgan Chase provides you one of the following:

• The Positive Pay Exception Report, to notify you of any discrepanciesbetween the issue files and the items presented for payment.

or

• A “no exceptions to report” notification, to let you know that noexception activity was found.

You can access these reports through JPMorgan Chase ’s Internet service . The same reports are also available by fax .

Reading the Positive Pay Exception Report

JPMorgan Chase ’s Positive Pay Service identifies the following situations asexceptions:

Exceptions Description Company Action

Paid-No-Issue A check presented forpayment withoutcorresponding issueinformation on file at JPMorgan Chase

Determine if the item should have beenincluded in the issue file transmission ormanual issue update to JPMorgan Chase .If you have issued the item and it was not paid previously, or you have not voided theissue, you should authorize the bank to paythe item. JPMorgan Chase will add the issueinformation to the Account ReconciliationProcessing (ARP) system.If you have not issued the i tem, authorizeJPMorg an Chase to return the item.

Item has ZeroSerial Number

A check presented forpayment with no serialnumberorA check with an unreadableMICR line serial number

JPMorgan Chase has researched this item andcannot determine the serial number, or theitem has no serial number. Research the itemand instruct JPMorgan Chase to pay or return the item accordingly.

Dollar AmountMismatch

A check presented forpayment with a dollar amountthat differs from the amountlisted for the item in your issuefile( JPMorgan Chase will havealready researched for anencoding e rror)

Determine if the issue file information isincorrect, or if the item is paying for a differentamount than was authorized (the check dollaramount may have been altered after the itemwas disbursed). Instruct JPMorgan Chase topay or return the item accordingly.

Duplicate PaidRecord

A check presented forpayment that matches theserial number of an itemalready paid through thisaccount

If these checks are listed on your Positive Payreport, they cannot be disposed of withoutyour involvement. Determine if the itemshould be paid or returned and instructJPMorgan Chase accordingly.





Positive Pay Exception Report Fields

The Positive Pay Exception Report includes the following information (seesample report on following page):

To: Your company’s name

Account #: Your company’s JPMorgan Chase checking account number

Date: Current date

Total number of items for that day: Total number of exceptionsreported on the current day’s Positive Pay Exception Report

Total dollar amount for that date: Total dollar amount of exceptionsreported on the current day’s Positive Pay Exception Report

Serial Number: Check serial number of the exception item

Date: Date check was presented for payment

$Amount: Dollar amount of the exception item and exception reason

Pay/Return Decision: Enter your instruction for JPMorgan Chase topay or return the item

Approved By: Signature of company representative submitting thedecision report

Date: Enter the date you approved sending the report.

Exceptions Description Company Action

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Payee NameMismatch

Payee name on the checkpresented does not match, orcan not be identified asmatching the payee nameprovided on the issue file.

Determine if the item shouldbe returned or paid andinstruct JPMorgan Chaseaccordingly.

Payee Name NotAvailable

No payee name was providedon the issue file.

Determine if the item shouldbe returned or paid andinstruct JPMorgan Chaseaccordingly.

(optional service)





Positive Pay Exception Report To: Customer

Account #: 0123456789 Date: 6/20/01.

Total number of items for that day: 7Total dollar amount for that date: $4,844.93

Detail Items Serial Number Date $Amount Pay/Return Decision

00000030422 06/19/01 699.12 PD, NOT ISS0000030443 06/19/01 56.87 CANCEL ON FILE0000030446 06/19/01 496.77 PD, NOT ISS0000030450 06/19/01 759.81 PD, NOT ISS0000030471 06/19/01 970.25 DUPL PD ITEM0000030473 06/19/01 809.92 DUPL PD ITEM

0000030482 06/19/01 1,082.19$ AMT MISMATCH

Approved by: Date:

If you have questions regarding this fax, please call your Commercial Client Services Representative.

CONFIDENTIALITY NOTICEThe document in this telecopy transmission contains information belonging to the sender which is legally

privileged. The information is intended only for the use of the individual entity named above. If you arenot the intended recipient, you are hereby notified that any disclosure, copying, distribution or takingof any action in reliance on the contents of this telecopied information is strictly prohibited. If you have

received this telecopy in error, please immediately notify us by telephone to arrange for return of the original

documents to us.

This report lists your positive pay exception items which were presented yesterday, or the most recent business day. Please indicate in the Pay/Return Decision column whether the check should be paid orreturned. Please sign, date and fax this form to JPMorgan Chase Positive Pay Processing at(XXX) XXX-XXXX by 4:00 p.m. today. If there are no items listed, no response is necessary.

Failure to respond by the deadline will result in automatic return of the item(s).

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Reporting Your Decisions

You can submit your decisions through the JPMorgan Chase Internet.

You can also use the Positive Pay Exception Report to submit your decisionsby fax.

To report your decisions on the Positive Pay Exception Report byfax:

1. On the Positive Pay Exception Report, enter your decision for eachexception in its Pay/Return Decision field.

2. Sign and date the form.

3. Fax the form to your processing center by 4:00 P. M. BPT the day you receive the report from the bank. BPT (bank processingtime) is the time at the processing location.


Note: If you do not respond by the 4:00 P. M. BPT deadline, the bankwill automatically return any items listed on the report (default)or dispose of the items in accordance with your instructions atthe time of setup.

Requesting Photocopies and Additional Information

When you need additional information about paid items, such as verificationof the encoded dollar amount of a paid item when the value does not matchthe dollar amount on the issue file, you can request a n image of the paiditem from that day’s exception report.

To request photocopies and additional information by fax:

1. List the checks on the Request for Information form. See the exampleon pages 2 3 -2 4 .

To order this form, contact your Commercial Client ServicesRepresentative.

Note: To make requests for multiple accounts, use a new form foreach account.

2. Fax the completed form to your Account Reconciliation processing siteby 2:00 P. M. BPT in order to receive the check image prior to the decision

deadline .






Request for Information Fields

This example illustrates the information required on the Request forInformation form:

Bank Affiliate: Enter the number of your JPMorgan Chase location (see p.26)

Company Name: Enter your company’s name.

Account Number: Enter your company’s checking account number thatyou are requesting the photocopy or information for. To make requestsfor multiple accounts, use a new form for each account.

Serial Number: Enter the check serial number of item to be researched.

Issue Amount: Enter the dollar amount for the issued check.

Paid Amount: Enter the dollar amount that was paid on the check.

Date Paid: Enter the date when the check paid.

Sequence Number: Enter the capture sequence number of the paiditem, if available.

Information Needed: Specify the information you are requesting fromJPMorgan Chase : for example,

• Photocopy: Indicate your request for a photocopy.

• Information: Enter the information you want, such as maker’ssignature or payee.

All information requested is provided to the Positive Pay contact listedon the ARP Set-Up and Maintenance form.

Prepared By: Enter your name.

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JPMorgan Chase ACCOUNT RECONCILATION PROCESSING REQUEST FOR INFORMATION

SERIALNUMBER ISSUE AMOUNT PAID AMOUNT PAIDDATE SEQUENCENUMBER INFORMATIONNEEDED

Bank Affiliate1

Company Name Acc oun t Num ber 2 3

4 5 6 7 8 9

Prepared By10

Please fax to the attention of the Accoun t Reconciliation Processing by 2:00 PM bank processor time at (xxx) xxx-xxxx.




A Account Reconciliation Processing Sites

Columbus, OH

JPMorgan Chase - ARP Department370 South Cleveland Avenue2nd FloorWesterville, Ohio 43081-0421

FAX: 614-244-2755

E-Mail: c olumbus .c ommercial .arp.o ps@ jpmchase .com

The Columbus Site supports accounts located in the following states:

Ohio Indiana Wisconsin Kentucky Michigan West Virginia

The Columbus Site supports these states based on Columbus Ohio BANK

PROCESSING TIME. The Columbus Site observes Eastern Daylight Time(EDT) the first Sunday in April to the last Saturday in October; EasternStandard Time (EST) the last Sunday in October to the first Saturday inApril.

Fort Worth, TX

JPMorgan ChaseCentrePort Operations Center1 4800 Frye Road Floor 2TX1-0051Fort Worth , TX 76 155

FAX: 817- 399 - 5550

E-Mail: b edford .arp.o perations@ jpmchase .com

The Fort Worth Site supports accounts located in TEXAS, OKLAHOMA,LOUISIANA and ILLINOIS based on BANK PROCESSING TIME. The Fort Worth Site observes Central Daylight Time (CDT) the first Sunday in April to thelast Saturday in October; Central Standard Time (CST) the last Sunday inOctober to the first Saturday in April.

The Fort Worth Site supports accounts located in ARIZONA, COLORADO, andUTAH based on Mountain Standard Time (MST) all year.




B Bank Location Numbers

Number Location

601 Arizona

501 Colorado

101 Dearborn (CDA)

111 Illinois

053 Indiana

034 Kentucky

552 Louisiana

021 Michigan

001 Ohio

662 Oklahoma

201 Texas

602 Utah

121 Wisconsin



Automated Issue File Transmittal ReportThe Issue File Transmittal report verifies your issue file transmissionsto JPMorgan Chase. This report will be automatically provided to youwith one hour of receipt of your transmission.

F ILE S TATUS AND CUSTOMER

VERIFICATION D ESCRIPTION C USTOMER ACTION

“A WAITING P OSTING ”; SUMMARYINFORMATION MATCHESTRANSMISSION ( NUMBER OF ITEMSAND DOLLAR AMOUNTS )

TRANSMISSION SUCCESSFUL N O ACTION REQUIRED – TRANSMISSION SUCCESSFULLYRECEIVED AS SENT

“A WAITING P OSTING ”; SUMMARYINFORMATION DOES NOT MATCHTRANSMISSION ( NUMBER OF ITEMSAND DOLLAR AMOUNTS )

TRANSMISSION NOT RECEIVED ASSENT

CONTACT ARP OPERATIONS TODELETE FILE AND RE - SEND

“U N -P OSTABLE ” TRANSMISSION ERROR C ONTACT ARP OPERATIONS FORRESOLUTION

NO TRANSMITTAL

RECEIVEDTRANSMISSION NOT RECEIVED R E- SEND TRANSMISSION

The following examples illustrate the information provided on yourIssue File Transmittal Report:

1. Record Type2. Account Number3. Item Count4. Total Amount5. Status Message

• Fax Report• Web Report

C Automated Issue File Transmittal Report



Automated Transmittal - Sample FAX Report

Transmittal Acknowledgement – ARP Operations

To: John Q Public Fax # (614) 888-1111Date/Time: 07/31/03 09:31:15 Source ID: 1032120807011File Reference Name: ARPD.BINP0.N.ARP1REST.G0023V00Total number of items on file: 677Total dollar amount for file: $ 1,052,344.10

File Summary:

Transaction Type Item Count Amount

Account #: 0000123456789

Issues 47 19,219.35 AWAITING POSTINGCancels 5 100.00 AWAITING POSTING

Account #: 0000987654321

Issues 573 1,025,999.57 AWAITING POSTING

Account #: 0000456123789

Automated Transmittal – Sample Web Report:

ARPD.BEIF0.N.ARPATRPT

----+----1----+----2----+----3----+----4----+----5----+----6----+----7----+----8----+----9----+----0----+----1----+----2----+----3--

*********************************************************** Top of Data************************************************************

ARP/SERVICE MANAGEMENT SYSTEM

FILE NAME: ARPP.BINP0.NFTS.COLS724D.G0603V00FILE STATUS: AWAITING POSTING REPLY: 07/31/2003 09:31:15SOURCE ID: 103212100047

REPLY - IS 431 1,015,425.16 CN 5 17,155.55

TRANSACTION: IS001 000000611810524 14 4,455.19 4 001 000000611811860 2 886.00001 000000611811878 210 693,744.60001 000000611811886 30 23,279.33001 000000611811894 25 25,735.77001 000000611811910 18 12,033.40001 000000611811928 52 96,670.51001 000000611811936 12 3,022.97001 000000611819947 33 67,206.57

1

2

3 4 5

5

432

1

21602_positive pay service user guide

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