State of Georgia Multi-Bank/Multi-Services RFQB Table of Contents A. Purpose, Background, Schedule of Events, Proposal Preparation, and Evaluation – page 1 Attachments 1. The Office of the State Treasurer (OST) RFQB (this document) 2. Compliance Report B. Banking Services – page 6 Attachments 1. Instructions to Banks 2. Bank Fee Schedule for Banking Services 3. CTAS Flowchart 4. State Accounting Office (SAO) CTAS Reconciliation File Formats 5. Calendar of Proposed Banking Evaluations for State Bank Fee Program participants C. Merchant Card Services and Prepaid Card Services – page 7 Attachments 1. MCS Proposal Certification 2. MCS Bank General Information Form 3. MCS Mandatory Requirements 4. MCS Mandatory Questions 5. MCS Additional Questions 6. General Account Questions 7. MCS Price Proposal 8. MCS Present Card Systems Locations and Volumes 9. MCS Present Card Systems Equipment List D. Deposits and Investments – page 11 Attachments 1. Investments – Forward Looking Benefit E. Evaluation, Scoring and Selection – page 13 Attachments 1. Evaluation, Scoring and Selection Process All attachments are referenced in the Attachment Section following the RFQB – page 15 COMPLIANCE REPORT STATE OF GEORGIA March 2017 Attachment A.2 The below named Bank must comply with the terms of the State of Georgia Depository and Bank Fee Policy, the Statewide Banking Agreements, the Office of the State Treasurer Banking Guidelines, the Statewide Electronic Payments Policy, and the terms of any contracts entered into herewith. Are you aware of any noncompliance issues in the past 36 months (March 2014-March 2017) related to the documents listed above? __________ (Yes or No) For each instance of noncompliance answer the following: • Describe each instance of noncompliance: • List the dates each instance of noncompliance occurred: • Describe the steps taken to correct each instance of noncompliance: • What steps do you recommend that your Bank and the Office of the State Treasurer take to prevent recurrences of non-compliance?: Name of Banker: Name of Banking Institution: Date: Office of the State Treasurer 200 Piedmont Avenue, Suite 1204, West Tower Atlanta, Georgia 30334-5527 ost.georgia.gov Attachment B.1 INSTRUCTIONS TO BANKS IN THE BANK FEE PROGRAM The State of Georgia Depository and Bank Fee Policy directs that the Office of the State Treasurer (OST) and state entities “shall reevaluate all banking services every three years, in line with a timetable prepared by OST or when requested by a state entity.” State entities include agencies, boards, bureaus and departments. Banking services include bank accounts, services such as treasury management and investment, and analysis fees. OST is requesting pricing for certain banking services from commercial banking institutions (Banks). We invite your Bank to submit a bid to us for consideration by 4:30 pm EDT on April 7, 2017. Recognizing the importance that technological and economic factors have regarding banking services, we require our Bank(s) to meet with their agency customers at least annually to review their use of banking services with an objective to optimize utilization and minimize expense. It is further recognized that fees for certain regulatory services may change and we require our Bank(s) to advise us and the agency in advance of any impact on their account(s). It is important for our Bank(s) to recognize that all new bank accounts and any changes in banking services which require an expense in excess of $1,500 per month will require notification and approval by OST prior to their implementation. Please refer to OST’s Banking Guidelines which can be found on the OST website. It is important that your Bank has finalized a State Banking Agreement approved by both the Bank’s legal counsel and the Law Department of the State of Georgia. Additionally, please ensure that your Bank has returned a signed copy of the Banking Guidelines acknowledging that your Bank is aware of the policies that govern the bank evaluation process. Make sure your Bank has submitted your Bank’s Master Fee Schedule for Calendar Year 2018 by December 15, 2017. PLEASE COMPLETE THE FOLLOWING PROPOSAL TEMPLATE FOR THE BANK FEE PROGRAM ACCOUNT AND SUBMIT IT TO OST. BANK FEE SCHEDULE 1. For the account, complete Section 1 by entering the Bank Code, AFP Code, Unit Price and the Extended Price for each service listed. Identify any regulatory charges not controlled by your financial institution, e.g., FDIC Insurance/Recoupment that may change over time. 2. In Section 2 of the Bank Fee Schedule, Bank(s) may add banking services they need to provide in order to support the present banking services. 1 3. In Sections 3 and 4, list any special provisions and the length of time (up to three years) for which per item prices are committed. Please adhere to the following instructions. • If you require Banking Services to support Current Services, be sure to list the appropriate Volumes and Extended Prices. • Please provide a dollar value, including $0 for no charge services, or Do Not Provide on every service line. No blanks and no dashes. • We have listed complete average monthly collected balances. Calculate the FDIC Insurance Assessment, Deposit Administrative Fee, Recoupment or whatever you call it on your basis, per $100 or per $1,000, etc. We just want a real dollar amount. Of course, you will be advantaged if you waive it. • Be careful computing the Negative Collected Balance fee, e.g., $5.70 per dollar instead of 5.7% and annual amounts instead of monthly. • Add any implementation or set-up fees. We will amortize them on a straight-line basis over the full 3 years of an agreement. ADDITIONAL INFORMATION FOR THE BANK FEE SCHEDULE 1. In addition to completing the Bank Fee Schedule for the Bank Fee Program account, OST requires that you provide a pro forma analysis statement for all services and volumes included in each Bank Fee Schedule. The pro forma should include any applicable Earnings Credit Rates (ECRs). The ECRs should be explained in detail separately for each pro forma analysis statement. 2. Provide the Service Definition for each service listed in the pro forma analysis statement. List the Bank Code and AFP Code for each service. In responding to this request, please provide the following information: 1. A completed Bank Fee Schedule for the account with codes and fees outlined for each service on which the Bank chooses to bid. This Template will be used in the calculation of costs for services. OST will not make assumptions of incomplete or incorrect calculations, so it is imperative the Template be complete and accurate. 2. Please ensure that the pro forma matches the line items, codes, volumes, fees and extended prices in your Bank Fee Schedule. EVALUATION Please submit a final bid and response to this request in PDF format to [email protected] on or before 4:30 pm EDT on April 12, 2017. 17/072 2 Office of the State Treasurer 200 Piedmont Avenue, Suite 1204, West Tower Atlanta, Georgia 30334-5527 ost.georgia.gov BANK FEE SCHEDULE Attachment B.2 Date: 15-Mar-17 State Agency Name: Office of the State Treasurer State Agency Contact: Rhen Cain Phone: 404.656.2171 Email: [email protected] Account Description: State Bank Fee Program - Agencies Scheduled for Bank Evaluations in FY 2018 Projected Average Monthly Balance (next 12 months): Summary of Bank Information for an Average Month From: Jan-16 To: Dec-16 TO BE COMPLETED BY BANK: Bank Name: Bank Contact: Phone: Email: Secondary Contact: Phone: Email: Your Bank's Incumbent's Your Bank's Average Monthly 1. Current Bank Services Unit Price Extended Price Bank Code AFP Code AFP Code Volume 822 EXPRESS MONTHLY FEE 01 04 42 6 ACCOUNT MAINTENANCE CHEXSTOR 01 00 00 25 ACCOUNT MAINTENANCE W/CHK RETURN 01 00 00 9 ACCT TRANSFER / PER TRANSFER 25 02 01 10 ACH ADDENDA ORIG 25 01 20 40,071 ACH CEO (ONLINE BANKING) FRAUD FILTER REVIEW - ITEM 25 10 53 1 ACH CEO FRAUD FILTER STOP - ITEM 25 10 52 2 ACH CEO RETURN SUBSCRIPTION - ITEM 25 04 00 21,204 ACH CEO RETURN SUBSCRIPTION-ACCOUNT 25 04 00 34 ACH CEO SUBSCRIPTION - ACCOUNT 25 07 03 56 ACH CEO SUBSCRIPTION - ITEM 25 07 03 5,263 ACH CHANGE/DELETE/REVERSAL FEE 25 06 41 12 ACH CORPORATE OFF US CREDITS 25 01 01 561 ACH CORPORATE OFF US DEBITS 25 01 00 129 ACH CORPORATE ON US CREDITS 25 01 01 122 ACH CORPORATE ON US DEBITS 25 01 00 10 ACH DELETE - ITEM 25 06 20 4 ACH DELETIONS BATCH OR FILE 25 06 21 1 ACH DELETIONS-ITEMS 25 06 20 5 ACH EXCEPTION PROCESS-DUPLICATE FILE 25 06 22 1 ACH FAX PAGE 25 04 00 24 ACH FAX SERVICE 25 07 10 12 ACH FRAUD FILTER STOP MTHLYBASE 25 10 50 1 ACH INPUT-ECHANNEL 25 05 04 12 ACH MAILED REPORT 25 07 11 1 ACH NOC - INFO REPORTING ADVICE 25 03 02 27 ACH NOC - MAIL ADVICE 25 03 02 1 ACH NOC - TRANSMISSION ADVICE 25 03 02 718 ACH NOTIFICATION OF CHANGE FEE 25 10 70 17 ACH OFF US CREDITS 25 01 01 4,372 ACH OFF US DEBITS 25 01 00 136 ACH ON US CREDITS 25 01 01 657 ACH ON US CREDITS-SAME DAY 25 01 01 94 ACH ON US DEBITS 25 01 00 3 ACH ON US DEBITS-SAME DAY 25 01 00 7 ACH ORIG PER ITEM CCD FEE 25 01 05 655 ACH ORIG PER ITEM CTX FEE 25 01 0A 1,684 ACH ORIG PER ITEM PPD FEE 25 01 07 9,113 ACH ORIGINATED - ADDENDA REC 25 01 20 231 ACH OUTPUT-FILE 25 04 00 1 ACH PER BATCH FEE 25 08 00 53 ACH PERFECT RECEIVABLES - ADDENDA 25 02 20 37,919 ACH PERFECT RECEIVABLES - ITEM 25 02 02 37,922 1 ACH RETURN ADMIN -ELECTRONIC 25 03 02 1,594 ACH RETURN ITEM - DISHONORED 25 03 11 1 ACH RETURN ITEM FEE 25 10 70 14 ACH RETURN ITEM-ELECTRONIC 25 03 02 659 ACH RETURN UNAUTHORIZED -ELECTRONIC 25 03 12 42 ACH REVERSAL - ITEM 25 06 42 3 ACH REVERSALS-ITEM 25 06 40 6 ACH STANDARD REPORTS-FAX 25 99 99 6 ACH WELLS FARGO NOC - TRANS ADVICE 25 10 70 298 ACH WELLS FARGO NOC-INFO REPT ADVICE 25 10 70 11 ACH/WIRE PERFECT RECEIVABLE-MO BASE 25 00 00 1 AFC EXCEPTION HANDLING 25 10 53 1 AFC FILTER SETUP/CHG BY BANK 25 10 51 1 AFC FILTER SETUP/CHG BY CLIENT 25 10 51 1 AFC UNAUTH DEBIT REPORT MAIL 25 07 11 1 ANALYSIS STATEMENT PRINT 01 04 11 8 AP&R ACH PPAY MO PER ACCT 25 10 50 1 ARP AGED ISSUE RECORDS ON FILE-ITEM 20 99 99 7,100 ARP AGED PAID NO ISSUE 20 01 10 90 ARP AUTO D/T TO CLIENT/RCRD 20 03 01 3,040 ARP AUTO D/T TO CLIENT/TRAN 20 02 01 4 ARP CUSTOM PROGRAMMING MONTHLY BASE 20 04 20 9 ARP FULL PPAY MAINT PAPER RPT 20 00 10 1 ARP FULL RECON MAINT-PPR RPTS 20 00 10 1 ARP FULL RECON-ITEM 20 02 01 29,162 ARP ITEM PAID NO ISSUE INFO-ITEM 15 03 10 2 ARP MONTHLY BASE - FULL 20 00 10 10 ARP MONTHLY BASE - PARTIAL 20 00 20 7 ARP OUTPUT - TRANSMISSION 20 03 01 9 ARP PART POSITIVE PAY ISSUE - ITEM 20 02 01 130 ARP PARTIAL MAINT-PAPER RPTS 20 00 20 1 ARP PARTIAL PER PAID ITEM 20 01 20 10 ARP PARTIAL PPAY MAINT-PPR RPT 20 00 20 1 ARP PARTIAL RECONCILIATION - ITEM 20 03 10 283 ARP POSITIVE PAY RETURN-OTHER 15 03 22 1 ARP PPAY MAINT-NO RECON 15 00 30 7 ARP RECON OUTPUT FILE 20 03 01 4 ARP REPORTS ADDL DUP ANCILLARY 20 03 25 1 ATM DEPOSITS 10 00 00 1 BAI MONTHLY BASE 40 00 00 3 BAI PREMIUM ITEM 40 02 21 252 BAI PREMIUM MONTHLY BASE 40 00 00 3 BAI TRANSACTIONS REPORTED 40 00 00 233 BANK CONFIRMATION AUDIT REQUEST 01 06 30 1 BIB (ONLINE BANKING)ADDL INFO REPORT FEE 01 08 01 1 BIB LEVEL 3 MONTHLY FEE 40 00 5Z 3 BIB TOKEN FEE 01 08 01 1 BOOK CREDIT 35 03 20 2 BRANCH CASH OTC DEPOSIT/$1000 10 00 1Z 35 BRANCH CASH-NIGHT BAG/ATM DEP 10 00 1Z 40 BRANCH COIN ORDER/ROLL 10 00 44 1 BRANCH CURR ORD/PARTIAL STRAP 10 00 4B 1 BRANCH CURR ORD/STRAP 10 00 4A 1 CASH CONC DEP INPUT WEB ADDL FIELD 26 03 05 87 CASH CONC DEP INPUT WEB FIRST FIELD 26 03 05 90 CASH CONC ONLINE MONTHLY BASE 26 07 00 1 CASH CONCENTRATION ACH TRANS-FILE 26 05 00 10 CASH CONCENTRATION ACH TRANS-ITEM 26 05 00 89 CASH CONCENTRATION ADD/CHG-LOCATION 26 06 00 1 CASH CONCENTRATION EXT STORGE-FIELD 26 03 10 177 CASH CONCENTRATION INACTIVE LOC 26 01 20 16 CASH CONCENTRATION MONTHLY BASE 26 00 00 1 CASH DEP/$1 VERIFY IN CASH VAULT T1 10 00 15 11,068 CASH DEP/$1 VERIFY IN CASH VAULT T2 10 00 15 93,231 CASH VAULT ADJ ADVICE - US MAIL 10 05 20 1 CASH VAULT CASH ORDERS-CEO 10 01 41 1 CASH VAULT CASH ORDER-TOUCHTONE 10 01 41 1 CASH VAULT COIN FURNISHED - ROLLED 10 01 44 2 CASH VAULT CURRENCY FURN-NONSTD 10 01 48 79 CASH VAULT DEPOSIT CASH AND CHECK 10 01 00 21 CASH VAULT DEPOSITS 10 00 01 24 CASH VAULT MONTHLY MAINT 1 LOC 10 01 54 1 CASH VAULT TRANS RECAP RPT-FAX 10 07 01 1 CD ROM MONTHLY FEE 01 04 05 3 CD ROM PER ITEM FEE 20 02 03 2,017 CD ROM STMTS/REPORTS RETURNED 15 13 60 2 CEO (ONLINE BANKING) ACH HYP ITM DET INQ - PER ITEM 25 07 03 196 CEO BASIC BANKING - MONTHLY BASE 40 00 02 1 CEO BASIC BANKING ADDL ACCT-MO BASE 40 00 02 2 CEO EDI PMT DETAIL - ADDENDA ITEM 30 05 24 1,097 CEO EDI PMT DETAIL - ITEM 30 05 24 891 CEO E-STMT SUBSCRIPTION - ACCOUNT 01 03 00 2 2 CEO E-STMT SUBSCRIPTION - ITEM 01 03 00 861 CEO EVENT MESSAGING SERVICE - EMAIL 40 02 ZZ 983 CEO EVENT MESSAGING SERVICE - TEXT 40 02 ZZ 1 CEO IMAGE VIEW < 90 DAYS - ITEM 15 13 52 34 CEO IMAGE VIEW > 90 DAYS - ITEM 15 13 52 27 CEO PREV DAY EXP DESC - PER ITEM 40 02 71 52 CEO REGISTER INPUT - ITEM 20 02 00 57 CEO RETN ITEM SUBSCRIPTION OPT DETL 10 04 10 1 CEO RETURN ITEM RETRIEVAL-IMAGE 10 04 14 109 CEO WELLSTAX PAYMENT 01 01 00 9 CEO WELLSTAX SUBSCRIPTION PER ACCT 01 00 99 1 CEO WIRE INQUIRY DETAIL - PER ITEM 40 03 40 15 CHECK DEPOSIT-PAPER 10 02 00 1 CHECK SORT- BASE FEE 15 11 00 1 CHECKS PAID 15 01 00 2,059 CHECKS PAID REJECTS 3 MTHS + 15 03 00 8 CHECKS RETURNED W/STATEMENT-ITEM 15 99 99 251 CKS DEP PRE-ENCODED ITEMS 10 02 1Z 2,681 CKS DEPOSITED FOREIGN ITEMS 10 03 10 6 CLIENT ANALYSIS INVOICE 01 04 99 1 CNTL PYMT ISSUES-BANK CREATED 20 02 10 54 COIN DEPOSIT-NON STD BAG-VLT 10 01 11 1 COIN SUPP ROLL-BKG CTR 10 00 44 3 CONSUMER PPD CREDITS ORIGINATED 25 01 01 18,168 CONSUMER PPD DEBITS ORIGINATED 25 01 00 7 CONT DISB ACCT MAINT W/CHK RTN 15 00 00 1 CONT DISB CKS PAID-TRUNCATED 15 01 12 580 CONT DISB CKS PD IMAGE 15 01 12 105 CONT DISB CKS PD-IS FRONT IMG 15 01 12 178 CONT DISB-FUNDING CREDITS 15 99 99 16 CONTROL DISBURSEMENT SERVICE FEE 15 07 00 1 CONTROL PAYMENT-CHECKS PAID 15 01 20 11,609 CONTROLLED DISB MAINTENANCE 15 00 00 1 CONTROLLED PAYMENT-MISMATCHES 15 03 10 83 CONTROLLED PAYMENT-MTH MAINT 15 00 30 8 COURIER FEE 10 10 20 26 CP BILLER GTW MAINTENTANCE 30 00 00 1 CP BILLER GTW TRANSACTION 31 04 20 24 CPBG BILLING FILE MAINT 30 99 00 1 CPC ACCT ANALYSIS MAINT 01 04 00 1 CPC PAYMENTS MAINT 30 00 00 1 CPC PMTS-PER ITEM PROCESSING 30 05 10 1,296 CPC REC CASH PRO MONTHLY MAINT 30 02 25 1 CPC REC FAX MONTHLY MAINT 30 02 21 1 CPC REC FAX VOLUME PER PAGE 30 02 21 64 CPC REC INVOICE VOLUME 30 02 29 31 CPO (ONLINE BANKING) ACCELERATE PREM MAINT 40 10 00 1 CPO ACH NOTIFICATIONS 25 99 9A 5 CPO ARP ISSUE POSTED NOTIF 15 99 99 2 CPO ARP ISSUE RECD NOTIF 15 99 99 2 CPO ARP O-S ISSUES NOTIF 15 99 99 6 CPO CDR ACCOUNT 40 00 55 5 CPO CDR ITEM STORED 40 02 75 1,460 CPO EMAIL SCHEDULED 40 02 99 8 CPO GP MTHLY MAINT 35 00 00 1 CPO GP MTHLY MAINT BASIC 35 00 00 2 CPO GPS CONFIRMS 35 04 09 6 CPO IR MAINTENANCE 40 02 99 2 CPO PDR ACCOUNT 40 00 52 16 CPO PDR ITEM STORED 40 02 72 5,180 CPO PREM EMAIL SCHED 40 02 99 15 CPO PREM PDR ITM STORED 40 02 72 1 CPO RESEARCH ITEM 40 03 40 1,552 CPO STOP PAYMENT CANCEL 15 04 13 1 CPR AUTO D/T TO BANK/RCRD 20 02 01 10,416 CPR AUTO D/T TO BANK/TRAN 20 02 01 25 CPR AUTO D/T TO CLIENT/RCRD 40 01 00 16,672 CPR AUTO D/T TO CLIENT/TRAN 40 01 00 20 CPR RETURNED ITEM 15 99 99 6 CREDIT REFERENCE-MANUAL 01 06 40 1 CURR SUPP $100-BKG CTR 10 00 49 11 CURR/COIN DEP/$100-QBD-ND 10 00 1A 1,276 CURR/COIN DEP/$100-VLT 10 01 1Z 2,194 CVLT ACTIVITY SUMMARY RPT - US MAIL 10 07 01 1 DATA EXCH/BAI MO TRANSMISSION FEE 40 01 21 1 DATA EXCH/BAI OB MONTHLY FEE 40 01 21 1 DATA EXCHANGE - SUMMARY AND DETAIL 40 02 28 1 DDA SERIAL SORT - ITEM 15 11 00 26 DDA SERIAL SORT MONTHLY BASE 15 11 99 2 DDA STATEMENT - SPECIAL INSTRUCTION 01 03 20 1 DDA STATEMENT W/IMAGE CLASSIC-ITEM 15 13 3Z 1 DDA STMT W/IMAGE CLASSIC-MTHLY BASE 01 00 00 6 3 DEBITS POSTED-OTHER 01 01 00 1 DELETE/REVERSAL BATCH/FILE 25 06 22 1 DEP CORRECTION NIGHT DROP 10 05 00 1 DEPOSIT CORRECTION 10 05 00 1 DEPOSIT CORRECTION-CASH 10 05 01 1 DEPOSIT CORRECTIONS 10 05 00 1 DEPOSIT LOCATION REPORTING - ITEM 10 06 10 86 DEPOSIT RECEIPT FAXED 01 02 01 6 DEPOSIT RECON MONTHLY FEE 10 06 00 1 DEPOSIT RECON PER ITEM FEE 10 06 10 99 DEPOSITED CHECKS - ON US 10 02 20 343 DEPOSITED ITEM RETURNED 10 04 00 3 DEPOSITORY+ MASTER ACCT MAINT 01 00 00 2 DEPOSITORY+ SUB ACCT MAINT 01 00 00 28 DEPOSITS 10 00 00 235 DEPOSITS CREDITED 10 00 00 67 DESKTOP DEPOSIT-NON WFARGO DEP ITEM 10 02 24 491 DESKTOP DEPOSIT-WFARGO DEPOSIT ITEM 10 02 20 99 DOM WIRE OUT B I B 35 01 00 8 DOMESTIC WIRE TRANSFER INCOMING 35 03 00 13 DOMESTIC WIRE TRANSFER OUTGOING 35 01 00 1 EDI 820 ORIG MAINT 30 00 00 1 EDI 822 ACCOUNT ANALYSIS FEE 01 04 00 1 EDI AUTO D/T TO CLIENT/RCRD 30 02 00 1,172 EDI AUTO D/T TO CLIENT/TRAN 30 02 00 1 EDI AUTO D/T TO SNTRUST/TRANS 30 01 00 104 EDI AUTO D/T TO SUNTRUST/RCRD 30 01 00 24,066 EDI ORIGINATION PER 1000 CHAR 30 01 12 2,257 EDI REPORT PER ACCOUNT 30 02 22 2 EDI TRNSL REPRT OTM & COURIER 30 02 25 2 ELEC WIRE OUT-BOOK DB 35 01 23 1 ELECTRONIC COMMERCE DIRECT TRANS 30 01 00 95 ELECTRONIC DEPOSIT - CHECK NON WFB 10 02 24 10,769 ELECTRONIC DEPOSIT - CHECK WFB 10 02 20 2,621 ELECTRONIC DEPOSIT - DEP ADJUSTMENT 10 02 30 9 FAX NOTIFICATION DCN-RECEIPT 10 99 99 1 FAX NOTIFICATION-DCN-VLT 10 04 20 1 FDIC INSURANCE (DEPOSIT ADMIN OR ASSESSMENT FEE/RECOUPMENT) 00 02 30 $ 198,278,947.00 FOREIGN EXCHANGE ONLINE DRAFT 60 02 10 1 FOREIGN EXCHANGE ONLINE WIRE OUT 60 02 21 2 FULL RECON MONTHLY FEE 20 00 10 2 FULL RECON PER ITEM FEE 20 01 10 539 FULL RECON TRANSMISSION FEE 20 03 01 2 FULL RECON-BASE FEE 20 00 10 4 FULL RECON-ITEM CHARGE 20 01 10 25 GCS-STOP PAYMENT 01 06 00 1 GEN DISB CKS PD IMAGE 15 01 02 15 GEN DISB CKS PD-IS FRONT IMG 15 01 02 47 GLOBAL ADVICE AR ELEC MAINT 30 01 00 1 GLOBAL ADVICE AR ELEC PER PMT 30 05 22 47 IDS RECREATE 15 13 50 1 IMAGE ARCHIVE-1 YEAR 15 13 51 575 INFO FAX RETURN MONTHLY BASE 40 99 99 2 INTERNAL WIRE TRANSFER CREDIT 35 03 20 5 INTERNATIONAL ITEMS DEPOSITED 60 99 99 1 ITEMS DEP LOCAL FED-CITY 10 02 22 988 ITEMS DEP LOCAL FED-RCPC 10 02 23 1,472 ITEMS DEP NON-LOCAL FED-CITY 10 02 24 718 ITEMS DEP NON-LOCAL FED-RCPC 10 02 24 1,041 ITEMS DEP ON US 10 02 20 42 ITEMS DEPOSITED 10 02 2Z 439 ITEMS DEPOSITED CCH 10 02 2B 243 ITEMS PAID ENCLOSED 15 01 09 23 LBX BOX RENTAL - CALLER 05 02 00 1 LBX EMAIL/FAX NOTIFICATION 05 03 2Z 1 LBX INFO DELIVERY DATA ONLY 05 04 01 1 LBX PO BOX RENTAL 05 00 12 1 LBX RETAIL INCOMING OVR/EXP ITEMS 05 02 1I 37 LBX RETAIL RESEARCH REQUEST 05 02 3C 1 LBX WS MAINTENANCE FEE 05 00 00 1 LBX WS NON ENCLOSURES CORSP ONLY 05 01 1M 90 LBX WS WEB ARCHIVE FEE 05 01 40 1 MAIL NOTIF-DCN OR RECEIPT-VLT 10 99 99 1 MAIL NOTIFICATION-DCN-VLT 10 04 20 1 MAINFRAME TRAN-CDR FF ACCT 40 01 10 1 MAINFRAME TRAN-CDR FF ITEM 40 01 10 103 MAINFRAME TRANS-PDR ACCT 40 01 10 1 MAINFRAME TRANS-PDR ITEM 40 01 10 104 MANUAL ACCOUNT TRANSFERS 35 99 99 1 MICR CHECK REJECTS >1% THROUGH 2% 15 03 00 4 MICR CHECK REJECTS OVER 2% 15 03 00 6 NON STD BAG SURCHARGE 10 99 99 7 4 NONRELATIONSHIP CUST CK CASHED 15 05 00 6 NSF/OVERDRAFT FEE 15 03 40 1 OCM (ONLINE BANKING) ACCOUNT MAINTENANCE 40 00 10 1 OCM IMAGES VIEWED 15 13 52 1 OCM MONTHLY MAINTENANCE 40 10 02 1 OCM REPORTED ITEMS 40 22 1 13 OLC (ONLINE COURIER) ACH RETURNS RPT 40 00 0Z 14 OLC ANALYSIS STATEMENT 01 04 06 1 OLC CPR PAID REPORT 40 05 00 8 OLC DDA STATEMENT 01 03 06 6 OLC WIRE TRANSFER EMAIL ADVICE 40 99 99 3 ONLINE CASH CON REPORT 26 04 00 10 ONLINE CASH CON REPORT - FIELD 26 04 00 453 ONLINE CHECK DEPOSIT-MONTHLY 10 02 00 4 ONLINE DEPOSITED ITEMS-EARLY 10 02 2Z 315 ONLINE DEPOSITS CREDITED 10 00 00 37 OTHER CREDITS 01 01 01 49 OTHER DEBITS 01 01 00 30 OTM ACH CORP PYMTS DEBITS ORIG 25 01 00 108 OTM (ONLINE BANKING)/OLC ACH-EDI/PER RPT 40 05 00 20 OTM/OLC CPR-RPT (S)/PER RPT 40 05 00 40 OUTBOUND DX-PER ACCT-MTH 40 01 21 1 OVERDRAFT CHARGE-PAID ITEM 15 03 40 4 PAID ONLY RECON TRANSMISSION FEE 20 03 01 2 PAID ONLY/PARTIAL RECON MONTHLY FEE 31 01 10 2 PAYEE VALIDATION MANUAL REVIEW/ITEM 15 02 99 102 PAYEE VALIDATION STANDARD-ITEM 15 01 22 22,640 PAYMENT MANAGER ACH ADDENDA 30 02 99 15,551 PAYMENT MANAGER DOMESTIC ACH TRAN 30 01 00 1,998 PAYMENT MANAGER MONTHLY BASE 30 00 00 1 PCG TRANSACTIONS 30 99 00 45 PCG V+BILLS ENROLLED MAINT 31 99 99 1 PD ONLY/PARTIAL RECON PER ITEM FEE 20 01 20 828 PHOTOCOPY-MANUAL 15 13 42 1 PHOTOCOPY-SELF SERVICE 01 06 10 1 PL LOCKBOX ITEMS 99 99 99 56 POS PAY / RECON PER ITEM 15 01 20 825 POS PAY CHECK VERIFICATION CALL 15 04 01 1 POSITIVE PAY EXCEPTION - CEO IMAGE 15 07 23 141 POSITIVE PAY EXCEPTIONS 15 03 10 3 POSITIVE PAY EXCEPTIONS - BASIC 20 03 99 1 POSITIVE PAY EXCEPTIONS - ITEM 20 03 99 82 POSITIVE PAY MONTHLY BASE - BASIC 15 13 58 1 POSITIVE PAY MTHLY FEE 15 00 30 2 POSITIVE PAY ONLY - ITEM 15 01 20 20 POSITIVE PAY ONLY MONTHLY BASE 15 00 30 1 POSITIVE PAY-BASE FEE 15 01 20 1 POST VERIFY CASH DEPOSITED 10 00 00 40,164 POST VERIFY DEPOSIT 10 00 00 77 PPAY / DBTFILTR MO PER ACCT 25 10 50 1 PREAUTHORIZED CREDIT 25 02 01 296 PREAUTHORIZED DEBIT 25 02 00 104 PRINTING & SUPPLIES-VENDOR 15 08 10 1,890 PYMT AUTH MAX CHECK MTHLY BASE 15 02 40 5 QBD/NIGHT DROP DEPOSIT 10 00 07 51 REC MGR OR E-BOX TRANSMISSION 30 02 00 30 RED (REMOTE EXPRESS DEPOSIT) ADDITIONAL ACCOUNT FEE 10 13 00 1 RED MONTHLY FEE 10 13 00 2 REDEPOSITED RETURN ITEM 10 04 02 1 REMOTE DEP CK IMAGE PROCESSING 01 99 99 1 RET ITEM OTHER SPECIAL INST 10 04 01 1 RETURN DEPOSITED ITEM 10 04 00 12 RETURN ITEM - CHARGEBACK 10 04 00 111 RETURN ITEM IMAGE ADVICE FAX 10 04 20 1 RETURN ITEM IMAGE FAX PER 2 SIDED 10 04 15 1 RETURN ITEM MANUAL FAX MTHLY BASE 10 04 10 1 RETURN ITEM REDEPOSITED 10 04 02 4 RETURN ITEM REPORTING PER ITEM 10 04 20 99 RETURN ITEMS - FAXED COPIES 10 04 20 2 RETURNS-DUP ADVICE 10 04 01 4 RETURNS-DUPLICATE ADVICE 10 04 01 1 RETURNS-NOTIF COPY SERVICES 10 04 01 5 RETURNS-NOTIF FAX SERVICES 10 04 01 5 RETURNS-NOTIF PHOTOCOPY 10 04 01 5 RETURNS-NOTIFICATION FAX 10 04 01 4 RETURNS-STORE PROCESSING 10 04 01 1 STATEMENT COPY 01 06 10 1 STOP PAY AUTOMATED<=12 MONTHS 15 04 10 1 STOP PAY MANUAL 15 04 20 1 STOP PAYMENT 15 04 10 9 STOP PAYMENT - AUTO RENEWAL 15 04 12 292 STOP PAYMENT - ONLINE 15 04 10 82 5 STOP PAYMENT - OPERATOR ASSISTED 15 04 20 1 STOP PAYMENT - PAPER CONFIRMATION 15 04 99 10 STOP PAYMENT /PER STOP 15 04 10 2 SWEEP PROGRAM, OVERNIGHT MO FEE SWEEP PROGRAM, OVERNIGHT TRANSACTION FEE TRANS MGMT ARMORED CARRIER 10 10 10 1 TTAX RECEIPT OR CONFIRMATION 25 99 99 2 TTAX TAX MAINTENANCE 25 99 99 1 TTAX TAX PAYMENT PER ITEM 25 99 99 2 UPIC MONTHLY MAINTENANCE 25 99 99 1 VAULT DEPOSIT 10 01 00 50 VLT CURRENCY DEP FULL STRAP 10 01 15 1 VLT CURRENCY DEP LOOSE BILL 10 01 14 1,004 W/T INTERNAL NON-REP OTM WIRE 35 01 24 5 W/T OUT REP (OTM PC WIRE) 35 01 00 2 WELLSIMAGE PAID CHECK DELUXE-ITEM 15 13 53 578 WELLSIMAGE PAID CHECK MONTHLY BASE 15 13 50 4 WELLSIMAGE PAID CHECK PER CD 15 13 53 4 WELLSIMAGE PAID CHECK PER ITEM 15 13 99 940 WELLSTAX ACCESS CODE MONTHLY BASE 01 00 00 1 WELLSTAX PAYMENT 01 00 00 2 WELLSTAX RECEIPT 01 00 00 11 WIRE BOOK TRANSFER - CEO 35 01 24 30 WIRE DETAIL RPT SUBSCRIPTION-ACCT 35 04 02 28 WIRE DETAIL RPT SUBSCRIPTION-ITEM 35 04 02 815 WIRE DRAWDOWN - CEO 35 05 24 36 WIRE IN - DOMESTIC 35 03 00 223 WIRE IN DRAWDOWN- DOMESTIC 35 05 25 3 WIRE IN INTL - USD OR FX 35 03 10 1 WIRE IN PHONE ADVICE 35 04 12 1 WIRE IN REPAIR SURCHARGE 35 99 99 1 WIRE IN VIA CORRESPONDENT BK-USD/FX 35 03 20 2 WIRE INTERNAL DRAWDOWN 35 05 29 2 WIRE MAIL CONFIRMATION 35 04 11 19 WIRE MONTHLY DDA BASE - VOICE 35 99 99 2 WIRE OUT - RETURNED TO ORIGINATOR 35 99 99 1 WIRE OUT DOMESTIC - CEO 35 01 04 145 WIRE OUT INTL FX- CEO 35 01 04 1 WIRE OUT INTL USD - CEO 35 01 13 4 WIRE OUT REPAIR SURCHARGE 35 99 99 1 WIRE SECURITY PIN MONTHLY BASE 35 99 99 1 WIRE TEMPLATE STORAGE MONTHLY BASE 35 99 99 2 WLBX 21-40 ACCEPTAB..LB.281823 05 01 31 52 WLBX 7 YR B/W IMAGE ARCHIVE 05 06 00 16,244 WLBX 90 DAY B/W IMAGE ARCHIVE 05 06 00 16,276 WLBX BULK IMAGE RETRIEVAL-IMG 05 01 1R 79,357 WLBX CARD PAYMENT R. 05 01 3A 2 WLBX CASH TRANSACTI 05 01 3B 1 WLBX CD ROM 05 04 05 5 WLBX CD ROM PER IMAGE 05 04 05 9,667 WLBX CD-DVD MAINTEN 05 04 05 1 WLBX CD-DVD PER DIS 05 04 05 1 WLBX CD-DVD PER IMA 05 04 05 20 WLBX CHECK DATE REV 05 01 1P 340 WLBX CHECK IMAGE/PHOTOCOPY 05 01 1A 673 WLBX CHECK PRINT 05 01 1A 106 WLBX COMPANY LEVEL 05 04 1Z 1 WLBX CORRESPONDENCE 05 05 30 1 WLBX COURIER DELIVE 05 04 13 1 WLBX CPO REC MAINTE 05 04 00 1 WLBX CPO REC PER IM 05 04 24 20 WLBX DATA CAPTURE 05 01 26 55 WLBX DATA TRAN MAIN 05 04 01 1 WLBX DATA TRANS PER 05 01 21 17 WLBX DEPOSIT PREP P 05 03 00 6 WLBX DOC NONSTD REASSOCIATION 05 01 17 43 WLBX DOCUMENT REASSOCIATION 05 01 17 631 WLBX DOCUMENT RETUR 05 01 1L 1 WLBX DUAL SIDED IMA 05 01 20 1 WLBX FOREIGN ITEM 05 05 00 1 WLBX IMAGE DOCUMENT 05 01 1R 56 WLBX IMAGE FILE IMPORT-IMAG 05 04 20 84,904 WLBX IMAGE TRANS MA 05 04 01 1 WLBX IMAGE TRANS PE 05 04 20 7,567 WLBX IMAGE WEB PER 05 04 24 1 WLBX IMAGE WEB REPORTING MTHLY BASE 05 00 2Z 7 WLBX LOCKBOX MAINT 05 00 00 1 WLBX LOCKBOX PROC P 05 01 00 6 WLBX MULTIPLE PAYEE 10-39 05 01 31 1,905 WLBX NON BUS DAY DE 05 01 36 1 WLBX NON BUS DAY TR 05 04 01 1 WLBX NON-TRUNCATE PKG PREP MO BASE 05 01 1L 3 6