Chase Online for Business | Fraud Protection Services

CHASE ONLINE FOR B US I N ES S | FRAUD PROTECTION SERVICES | ENROLLMENT

First, you'll need to enroll in the service. Step After you log on to Chase Online for Business, go to the Send Payments tab, 1 under Fraud Protection click "Enroll Now."

ENROLL NOW

Step Please read and accept the Fraud Protection Services Legal Agreement and then verify a 2 billing account.

1 CHASE ONLINE FOR B US I N ES S | FRAUD PROTECTION SERVICES | ENROLLMENT

Step Next, select the accounts you want to enroll in Fraud Protection Services, and then select Positive Pay or Reverse Positive Pay for each 3 account. Reverse Positive Pay: Enter the dollar amount for checks to be presented for your review. Click "Next." You'll be prompted to verify your choices. Carefully read the on screen messaging and click "Enroll."

Step Carefully read the on screen messaging. To complete your Positive Pay enrollment, you'll need to upload a file with 4 your check details (see instructions on the next page), or click "Enter Checks" when you complete your enrollment. The Positive Pay service is usually active within three business days, following the submission of at least one issue file either manually or through file upload. Until at least one issue is provided manually or through upload, the status will reflect "Pending Activation."

2 CHASE ONLINE FOR BUSINESS | FRAUD PROTECTION SERVICES | DASHBOARD With Chase Online for Business Fraud Protection Services, you have access to online tools to help protect your accounts against check fraud1 . To effectively use this service, please make certain you’re committed to using it regularly; that’s how it works best. We strongly encourage you to dedicate time and resources every day to upload check details (if necessary), review the items we flag, and make pay or return decisions. The System Administrator may perform these tasks, or use Access & Security Manager to grant other employees in the company the ability to use Fraud Protection Services. A link to Access & Security Manager is located on the My Accounts page. Step The Chase Fraud Protection Services Dashboard To get to the Chase Fraud Protection Services 1 dashboard, click on Send Payments tab and click “Fraud Protection.” On the dashboard, you’ll only see information about the services (Positive Pay or Reverse Positive Pay) that you have requested for each account.

EACH SECTION CAN BE EXPANDED OR COLLAPSED USING THESE ARROWS.

FOR POSITIVE PAY, YOU CAN PROVI DE INFORMATION ABOUT CHECKS YOU’VE ISSUED BY UPLOADING A FILE OR ENTERING THE DETAILS MANUALLY.

YOU CAN SELECT THE TYPE OF REPORT YOU WANT FOR EACH ACCOUNT; AN “EXCEPTIONS HISTORY” REPORT IS AVAILABLE FOR BOTH POSITIVE PAY AND REVERSE POSITIVE PAY, WHILE A “CHECK ISSUE INPUT HISTORY” REPORT IS ONLY AVAILABLE WITH POSITIVE PAY.

FOR POSITIVE PAY OR REVERSE POSITIVE PAY, YOU’LL SEE A TALLY OF THE CHECK EXCEPTIONS YOU’VE REVIEWED OR STILL NEED TO REVIEW. YOU’LL ALSO BE REMINDED OF THE DECISION CUT-OFF TIME FOR EACH ACCOUNT.

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With Positive Pay, you provide details about checks you’ve written and we’ll compare certain information to checks presented for payment. Any check that does not match the account number, check number and dollar amount you’ve provided will be marked as an “exception” and will be available for your review. You can then decide whether to pay or return the check. Note: If you don’t provide check decisions by the decision cut off time (4 PM local account time), we will return any checks that have not been reviewed and you will be charged a returned check fee where applicable. To learn how to reduce exceptions caused by readability errors, please see the last page of this guide. Upload Checks Step • On the Fraud Protection Services dashboard, find the section labeled 1 “Enter Checks Written” • To select a file containing your check details for upload, click “Browse” • Transmit the file to Chase by clicking “Upload”

CLICK BROWSE TO UPLOAD FILE

ENTER MANUALLY

Note: Files must be saved as CSV formats, which can be achieved by using the Save As function in Excel and selected CSV. The file name must not contain any spaces. Use the “See sample file” link for an explanation of how your file should be structured.

Enter Checks Manually • On the Fraud Protection Services dashboard, click “Enter Manually” and enter check details in the fields provided and click add to add your item • If you need to add details for multiple checks, click “Add” and enter additional check details in the fields that appear • When you have finished, click “Next” to verify and then submit your check information

Note: Payee Name fields are used for informational purposes only and are not used or reviewed when analyzing checks for Positive Pay purposes. Only Account Number, Check Number and Dollar amount are used in review to provide exceptions to you.

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Step Review Check Exceptions On the Fraud Protection Services dashboard, click on an account that has exceptions you 2 wish to review.

REVIEW EXCEPTIONS

OR If you want to review checks in multiple accounts, click “Positive Pay” on the Fraud Protection Services dashboard. Then select accounts using the checkboxes on the “Review check decisions” page and click “Next.”

REVIEW EXCEPTIONS

Step Make Check Decisions • Review the check information. 3 • If you wish to view a copy of the check, click “See check.” • Make a decision to pay or return the item, using the drop-down menu for each check.

• Pay: Pay the Item • Return: Return the Item (Do Not Pay the Item)

• After making all decisions, click “Next.” • You may also choose to pay or return all items by choosing the “Select all” box.

PAY OR RETURN

CLICK SEE CHECK

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Step Verify & Confirm Decisions • If you see an item you want to change, click “Change” and make any necessary 4 revisions. • Once you have verified that all information is correct, click “Submit Decisions.” • You will then receive a confirmation that your decisions were submitted. • All decisions are final after submission.

Note: For Positive Pay, please make all your check decisions by the decision cut off time. Otherwise, we’ll return checks you haven’t reviewed and charge you a returned check fee, where applicable.

SUBMIT DECISIONS

6 CHASE ONLINE FOR B USI N ESS | FRAUD PROTECTION SERVICES | POSITIVE PAY FILE FORMAT

With Fraud Protection Services through Chase Online for Business, you can use our dashboard to upload information about checks you write so we can compare those details (account number, check number and dollar amount) to checks presented for payment (Positive Pay service only). NOTE: Do not include future dated checks in your check issuance file. Please upload a new file on or after the issuance date.

You can customize the order of the columns in your check issuance file. The step below shows the standard file format, see the next page for instructions on how to customize your file.

Step Creating the CSV file in Microsoft Excel®

Create a file containing the check details you want to upload. Do not include a header row on your file; instead, the first row 1 should contain information about your first check. Information for each additional check should be entered on separate lines. For each check, enter the following information. No less than six fields are required for submission. A. Check type: I = issued check, or C = voided or cancelled check (Required) B. Account number (Required) C. Check number (Required) D. Check date: Date should be formatted as mmddyy* (Required) E. Check amount: This field may contain decimals, but no commas (Required)

F. Payee line 1: This field is limited to 40 characters** (Required)

G. Payee line 2: This field is limited to 40 characters** (Optional) Finally, save your file in Comma-Separated Value (CSV) format.

Do not include any spaces in the file name.

* In order for your file to be uploaded, the date field must contain a total of 6 characters. In some instances, Microsoft Excel® will delete the first zero of a number, referred to as the leading zero. To force Microsoft Excel® to accept leading zeros: Right-click the top of the column that contains your date information Select “Format Cells” In the “Category:” box, select “Custom” In the “Type:” box, enter “000000” (six zeros to correspond with the mmddyy format)

** Payee Name fields are used for informational purposes only and are not used or reviewed when analyzing checks for Positive Pay purposes. Only Account Number, Check Number and Dollar amount are used in review to provide exceptions to you.

® ® Excel is a registered trademark of the Microsoft Corporation.

7 CHASE ONLINE FOR B US I N ES S | FRAUD PROTECTION SERVICES | CUSTOM POSITIVE PAY FILE

An additional benefit to uploading your Positive Pay check issuance file is that you can customize certain aspects of your upload file. When you upload information about checks you write, we can compare those details to checks presented for payment.

Step From the Fraud Protection Services dashboard click "Manage Custom File Formats." 1 Note: You may need to click "See more choices" for the option to appear.

MANAGE CUSTOM FILE FORMATS

Step Next, click "Create Custom File Format." Note: You may need to click "See more 2 choices" for the option to appear.

CREATE CUSTOM FILE FORMATS

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Step Customize Your New File Format • Name the file format 3 • Determine if the new format will be the default file format • Select file type: comma separated or fixed width (for fixed width you will also enter a line of sample data) • Order fields (comma separated) or indicate start to end position for each field (fixed width). NOTE: You cannot remove any fields, all fields are required. However, your file must only contain 6 fields to be accepted. • Customize data format, when applicable • Add help text (optional)

CUSTOMIZE FILE FORMAT

SAVE FORMAT

After you click “Save Format” you’ll review your new file format and have the option to make modifications and test the file to make it available for use.

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Step Test Your New Custom File Format • After clicking “Submit” you’ll need to test the new custom file format before 4 it is available for use. • Click, “Test Format” from the Custom File Format Confirmation Screen

Note: You can edit your custom file formats at any time by clicking “Manage File Formats” on the Fraud Protection Services dashboard.

TEST FORMATS

• Select your file and click “Upload.” The system will provide the result of your test file as “Successfully Tested” or provide you with errors.

• Once you receive the “File Successfully Tested” message, your Custom File Format is now available for use.

FILE SUCCESSFULLY TESTED

10 CHASE ONLINE FOR BUSINESS | FRAUD PROTECTION SERVICES | REVERSE POSITIVE PAY

With Reverse Positive Pay, we provide tools for you to monitor checks on your own. We show you checks presented for payment that are equal to or greater than the threshold you specified when you enrolled in Reverse Positive Pay. For example, if you entered $100 as your threshold amount, we’ll only present you with checks that were written for $100 or more and we’ll pay any checks that are less than $100. Please note that any checks below the threshold will not be protected by Fraud Protection Services and may be subject to greater risk of fraud. Once you have reviewed the checks we’ve shown you, you can decide to pay the check, return the check, or adjust the amount. Note: If you don’t provide check decisions by the decision cut-off time (4 PM local account time), we’ll pay each check you haven’t reviewed.

Step Review Check Decisions • On the Fraud Protection Services dashboard, click on an account that has 1 exceptions you wish to review.

OR • If you want to review checks in multiple accounts, click “Reverse Positive Pay” on the Fraud Protection Services dashboard. • Then select accounts using the checkboxes on the “Review check decisions” page and click “Next.”

REVIEW CHECK DECISIONS

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Step Make Check Decisions • Review the check information. 2 • If you wish to view a copy of the check, click “See check.” • Make a decision to pay, return, or adjust using the drop-down menu for each check. • Pay: Pay the Item • Return: Return the Item (Do Not Pay the Item) • Adjust Item: If the dollar amount of an item presented to you does not match the dollar amount on the actual check, you may make an adjustment to match the actual dollar amount on the check. This cannot be used to change the payment amount of the item, only to correct an error in how the bank may have read the amount. If you choose to adjust an amount, enter the adjusted amount in the box that will appear next to the drop-down menu.

• After making all decisions, click “Next.”

PAY, RETURN OR ADJUST

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Step Verify & Confirm Decisions • If you see an item you want to change, click “Change” and make any necessary 3 revisions. • Once you have verified that all information is correct, click “Submit Decisions.” • You will then receive a confirmation that your decisions were submitted. • All decisions are final after submission.

Note: Please make all your check decisions by the decision cut-off time. Otherwise, we’ll pay the checks you haven’t reviewed.

VERIFY AND SUBMIT DECISIONS

13 CHASE ONLINE FOR BUSINESS | FRAUD PROTECTION SERVICES | CREATE REPORTS

Generate reports of your exceptions history or check input history.

Step Select a Report to View • On the Fraud Protection Services 1 dashboard, locate the Reports section. • Use the drop down menu to select the account you want to use to run your report. • Select either “Exceptions History” or “Check Input History.” • Enter the date range for the report. • Click “Show Report” to generate the report.

CLICK SHOW REPORT

Available Reports: The Exceptions History Report displays information about each exception processed over the selected time period (e.g. - decision, status, reviewed by). The Check Input History Report (only available with Positive Pay Service) displays information about the issued check details you provided to Chase (e.g. - source of the check issued).

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Step Print or Download a Report To print or download the report, use the “Print” or “Download” buttons at the bottom 2 of the report.

PRINT OR DOWNLOAD EXCEPTIONS HISTORY REPORT

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HOW TO REDUCE EXCEPTIONS CAUSED BY FRAUD PROTECTION ALERTS READABILITY ERRORS When you start managing your checks through Chase Fraud Protection Please use the following guidelines to reduce the number of check Services, you can receive and manage Account Alerts to help you keep exceptions presented for review due to readability problems. Remember, track of your account activity. with Fraud Protection Services, you will be charged for each check To enable these alerts for authorized users, the System Administrator exception presented for review, where applicable. should click “Manage Alerts” on the dashboard and then add the user’s Text formatting. Checks are most readable when the text is printed in email address to their Fraud Protection Services Alerts. 12-point font or larger, a recommended font style (Courier New, Arial, or Times New Roman), black ink, and all uppercase letters. Please note that text should not be italicized, underlined or written in cursive. Printing. Checks should be printed on ink jet or laser printers with a resolution of 600 dpi or higher. Dot matrix printed and hand written checks are not recommended. Printing should also conform to the Federal Reserve Bank Regulation CONTACT US CC Standards, published ANSI layout standards, and be “image friendly.” Need help? If you have questions about Chase Fraud Protection Please note that any dark background patterns, images or watermarks Services, please call the Business Banking Internet Service Center at on the check in the name and address block area can show on the black 1-877-242-7372. Our Service Representatives are available to assist and white image and may interfere with readability. you 24 hours a day/7 days a week. From outside the United States: 713-262-3300, 24 hours a day/7 days a week. STEPS FOR TIMELY POSITIVE PAY ACTIVATION

Positive Pay activation takes 2-3 business days, but the activation process does not take place until you have submitted at least one issue via manual submission or file upload. You will not receive exceptions or have your check activity reviewed until you are activated. Please follow the steps below for a timely Positive Pay activation:

1. Enroll desired accounts in Fraud Protection Services – Positive Pay

2. Immediately submit at least one issued check through the manual submission function or through file upload to begin the activation process. The account will remain in "Pending Activation" status until at least one issue has been submitted and the 2-3 activation process is completed.

3. To prevent unnecessary exceptions, you may want to also provide us check information for any checks outstanding/unpaid checks. Any unpaid/outstanding check presented for payment following Positive Pay Activation will be an exception if an issue hasn't been provided.

4. The Activation Status will be displayed on the Fraud Protection Services Dashboard and once activated will display the date the activation was completed.

1 Terms, conditions, limitations, and fees apply as described in the Fraud Protection Services Agreement. No representation or warranty of any kind or description is intended or to be inferred from the name "Fraud Protection Services," given to the Positive Pay Service and the Reverse Positive Pay Service which are available as data matching tools on Chase Online for Business to aid Customer’s in preventing errors and fraud with respect to Items presented against Customer’s checking accounts.

© 2015 JPMorgan Chase Bank, N.A. Member FDIC. Equal Opportunity Employer. “Chase” is a marketing name for certain businesses of JPMorgan Chase & Co. and its subsidiaries, including, without limitation, JPMorgan Chase Bank, N.A.