© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Cardholder Readiness PaymentNet ® Migration January 2013 PaymentNet Cardholder Training What Cardholders Need to Know to Result in a Successful Migration A script for this presentation can be found in the Notes Page View.

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC This presentation was prepared exclusively for the benefit and internal use of the J.P. Morgan client to whom it is directly addressed and delivered (including such client’s subsidiaries, the “Company”) in order to assist the Company in evaluating, on a preliminary basis, certain products or services that may be provided by J.P. Morgan. This presentation contains information which is confidential and proprietary to J.P. Morgan, which may only be used in order to evaluate the products and services described herein and may not be disclosed to any other person. In preparing this presentation, we have relied upon and assumed, without independent verification, the accuracy and completeness of all information available from public sources or which was provided to us by or on behalf of the Company or which was otherwise reviewed by us. This presentation is for discussion purposes only and is incomplete without reference to, and should be viewed solely in conjunction with, the oral briefing provided by J.P. Morgan. Neither this presentation nor any of its contents may be used for any other purpose without the prior written consent of J.P. Morgan. J.P. Morgan makes no representations as to the legal, regulatory, tax or accounting implications of the matters referred to in this presentation. Notwithstanding anything in this presentation to the contrary, the statements in this presentation are not intended to be legally binding. Any products, services, terms or other matters described in this presentation (other than in respect of confidentiality) are subject to the terms of separate legally binding documentation and/or are subject to change without notice. Neither J.P. Morgan nor any of its directors, officers, employees or agents shall incur any responsibility or liability whatsoever to the Company or any other party in respect of the contents of this presentation or any matters referred to in, or discussed as a result of, this document. J.P. Morgan is a marketing name for the treasury services businesses of JPMorgan Chase Bank, N.A. and its subsidiaries worldwide. © 2013 JPMorgan Chase & Co. All rights reserved 2

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Why Change to a New Platform? 3 What is happening to Legacy PaymentNet? It is being sunsetted after almost15 years What is happening to Legacy PaymentNet? It is being sunsetted after almost15 years Why? Technical Advances Increased Functionalities Why? Technical Advances Increased Functionalities Who is impacted? Everyone who logs on to PaymentNet Who is impacted? Everyone who logs on to PaymentNet What’s replacing Legacy PaymentNet? An updated platform New User Interfaces What’s replacing Legacy PaymentNet? An updated platform New User Interfaces When is this happening? After our organization’s training and migration When is this happening? After our organization’s training and migration

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC …and then what happens? 4

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC What Needs to be Understood? 5

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC What is New in PaymentNet? 6

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC NEW for CARDHOLDERS 7 FeatureNotes Register ComputerEach computer must be registered Log OffSystem will log off after 15 minutes of non-activity and/or 8 hours of activity Message PaneItems Awaiting Your Action Approval RoutingA list of current approvers is displayed PaymentsPayments can be made by Cardholder Multiple Checking Accounts More than one checking account can be set up for payments Multi-selectCheckboxes allow for selection of specific transactions Splitting TransactionsNew Add and Delete functionality when editing splits

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC FeatureNotes NotificationsSelected Reports and Documents ReportsReports can only be generated in PDF, Excel or CSV Report MessageIf “No Data Found” an notification will be sent Report Status‘Submitted’ or ‘Processing’ or ‘Successful’ or ‘No Data Found’ statuses are displayed on Available Downloads screen Quick QueryUses one criteria within 30 days Advanced Query Link Uses multiple criteria that can be named and saved Help for This PageInformation option for each screen Help IndexOnline and offline availability NEW for CARDHOLDERS 8

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC What has Changed in PaymentNet? 9

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC FeatureNotes Welcome Page (Home Page)Modularized with Icons Addendum DetailLevel II and III automatically populate Splitting TransactionsCan be further divided by number of units, percentage or dollar amount Line Item Detail IconsOnly Addendum Details and Dispute Status Icons Date FormatsDisplays in mm/dd/yyyy StatementsMailed and Online Statements are identical StatementsAvailable 48 hours after billing cycle ends StatementsMaximum 40 pages per PDF file Report FormatOptimized Excel format is available for some reports CHANGES for CARDHOLDER 10

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC What is NO Longer Available in PaymentNet? 11

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC FeatureNotes Cash TransactionsEliminated Expense ReportingEliminated ReportsNo MS Word Option Notes IconNo longer Visible on Transaction List Estimated Sales TaxNo longer Auto Calculated Diverted TransactionsNo visibility or Editing NO LONGER AVAILABLE for CARDHOLDERS 12

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Log On – Passwords – Machine Registration Navigating within PaymentNet ® 13

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Log On for the First Time 14

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Change Password 15

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Finish Password Setup 16

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Authentication Questions 17

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Register Machine 18

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Activation CodeMachine Registration Complete Machine Registration Messages 19

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Home Page Welcome 20

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC The Welcome Screen 21

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC General Info – Bank Info – Screen Views - Accounts My Profile 22

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Change Password and Authentication Questions 23

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Enable Notifications 24

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC My Profile > Bank Information Tab 25

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC My Profile > Screen Views Tab 26

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC My Profile > Accounts Tab 27

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Manage – Mass Updates – Auth/Declines – Query - Statements Transactions Module 28

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Transaction Submenus 29

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Manage Transactions from Transaction List Screen 30

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Quick QueryAdvanced Query Query Options 31

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Multi-Select 32

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Mass Update 33

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Transaction Detail > General Information Tab 34

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Transaction Detail > General Information Tab 35

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Accounting Codes by Line Item Level 36

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Transaction Details > Addendum Details 37 ABC Air

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Transaction List > View Statement 38

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Create - Download Reports Module 39

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Report Submenus 40 Create populates the Report List screen which is the starting point for creating or scheduling reports. Download populates the Downloads screen which displays all processed and scheduled reports and is also the place where files can be downloaded or deleted.

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Reports 41

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Schedule a Report to Run Automatically 42

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Create - Manage Payments Module 43

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Payment Submenus 44 Create submenu populates the Payment Details screen so that a one- time payment can be scheduled Manage submenu populates the Payment List screen which displays previous payments, sets up recurring payments. Additionally, cardholder can: Initiate and submit a new payment View a payment type Verify a payment due date

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Payment Detail 45

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Help for this Page – Help Index Help Module 46

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Help for this Page – Transaction List Page 47

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Help Index 48

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC Help Screen Contents Display 49

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC 24/7 Link to Online Help 50

© 2013 Legacy Migration Training. JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC THIS MARKS THE END OF THE CARDHOLDER TRAINING POWERPOINT DECK. Thank you Cardholders! 51