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Procurement Card Vendor SelectionTO: The Honorable Mayor and City Council Members FROM: Michael C. Van Milligen, City Manager SUBJECT: Procurement Card Vendor Selection DATE: July 29, 2009 Finance Director Ken TeKippe is recommending the selection of American Trust and Savings Bank as the City's procurement card vendor. I concur with the recommendation and respectfully request Mayor and City Council approval. ichael C. Van Milligen MCVM:jh Attachment cc: Barry Lindahl, City Attorney Cindy Steinhauser, Assistant City Manager Ken TeKippe, Finance Director THE CITY OF Dubuque ~T T~ ~ A~-Ame~caC~y v Masterpiece on the Mississippi 2007 TO: Michael C. Van Milligen, City Manager FROM: Ken TeKippe, Finance Director i;"""~ C~ ~~ SUBJECT: Procurement Card Vendor Selection DATE: July 22, 2009 INTRODUCTION The purpose of this memorandum is to recommend American Trust and Savings Bank as our procurement card vendor. BACKGROUND At the April 20, 2009 City Council meeting, authorization was provided to issue a Request for Proposal (RFP) to implement a Procurement Card Program. DISCUSSION Request for proposals were submitted to fifteen financial institutions including all local institutions and information was posted on City's website. Seven institutions responded. American Trust & Savings Bank Bank of America First National Bank of Omaha J.P. Morgan UMB Bank -Kansas City, MO US Bank Wells Fargo The financial institutions were rated by experience with the procurement card program, experience with Iowa Cities, ability to interface with the City's financial software, reporting capabilities, training and support availability and fees. Three members of the RFP committee conducted a site visit to City of Cedar Falls and several members participated in a conference call with the City of Ames to review their operations. Committee members include: Bob Grierson Chris Kohlmann Jenny Larson Melissa McGinnis Jean Nachtman Joe Pregler Gil Spence Kathy Sturm Ken TeKippe Airport Manager Manager Information Services Budget Director Accountant Assistant Finance Director Lead Application/Network Analyst Leisure Services Manager Purchasing Coordinator Finance Director A copy of the Request for Proposal and the American Trust and Savings Bank proposal are enclosed. RECOMMENDED ACTION Due to the similarities of the Procurement Programs proposed, it is recommended that at the August 3, 2009 City Council meeting, the Council approves American Trust and Savings Bank, a local vendor for the City's Procurement Card Program. There will be a $1,500 annual fee. We plan to roll out the program in September and implement gradually. I am available, at your convenience, to discuss and answer any questions you may have with this recommendation. Thank you. Enclosures THE CITY OF DLTB E Masterpiece on the Mississippi Dubuque ~.~~~ '9/"' .. _. _ __ 2007 TO: The Honorable Mayor and City Council Members FROM: Michael C. Van Milligen, City Manager SUBJECT: Procurement Card Services Request for Proposal DATE: April 14, 2009 - Finance Director Ken TeKippe recommends City Council approval of a Request for Proposal for implementing a Procurement Card Program. Implementation of this program will enhance efficiency for small dollar and recurrent purchases, on-line and limited out of area purchases. Purchase cards will eliminate the need for blanket orders, open accounts with vendors, and department credit cards (i.e. Staples, Menards). Features built into purchase card programs provide better internal controls, supervisory overview, reporting capabilities and payment processing. Th.e purchase card program will improve productivity in both the procurement and vendor payment processes. Purchase cards will allow the City to take advantage of state sales and hotel/motel tax exemptions that are not currently allowed when employees make a purchase and are subsequently reimbursed. concur with the recommendation and respectfully request Mayor and City Council approval. Michael C. Van Milligen MCVMfjh Attachment cc: Barry Lindahl, City Attorney Cindy Steinhauser, Assistant City Manager Ken TeKippe, Finance Director THE CITY OF - DUbUgUe Dj' ~'~ ~ . . AO-AmedcaCAy v -' ' Masterpiece on the Mississippi .2007 TO: Mike Van Milligen, City Manager FROM: Ken TeKippe, Finance Director ~~Q.~ V2 ~~~ . SUBJECT: Procurement Card Services Request for Proposal DATE: Apri114,.2009 BACKGROUND A committee has worked on preparing a Request for Proposal (RFP) for implementing a Procurement Card Program. Committee includes staff from Finance, Budget, Information Services and Leisure Service. Engineering, Public Works, Water Distribution and Water Pollution Control were invited to add input. RFP's issued by other Iowa cities were used to assist in preparing Dubuque's RFP. DISCUSSION Implementation of this program will enhance efficiency for small dollar and fecurrent purchases, on-line and limited out of area purchases. Purchase cards will eliminate the need for blanket orders, open accounts with vendors, and department credit cards (i.e. Staples, Menards). Features built into purchase card programs provide better internal controls, supervisory overview, reporting capabilities and payment processing. The . purchase card program will improve productivity in both the procurement and vendor payment processes. Purchase cards will allow the City to take advantage of state sales and hotel/motel taxes exceptions that are not currently allowed when employees make a purchase and are subsequently reimbursed. RECOMMENDATION The enclosed RFP will be distributed to the attached fist which includes local financial institutions and large national financial institutions that submitted proposals for the Cities of Ames, Cedar Falls and Cedar Rapids. In addition, the RFP will be posted on the Bids and RFP's section of the City of Dubuque website. The project costs ($18,000) are budgeted in the FY'09 Finance Department CIP budget, 1002054-71123. The funds will need to be carried over to FY'10 since implementation is dependent on the FinancePlus upgrade from 4.0 fo 4.3 budgeted in FY '10 and scheduled for September 2009 rACTION I request your approval to proceed with releasing the RFP and am available to discuss at your convenience. KT/jg Enclosures Du~uq~e ~c~~ ~>~ o _ ~. AIl~ericaG~1 1lrlczs~~erp~ece o~~ ~I~e 1'v!'isszssippi 200 City of Dubuque, Iowa Request for Proposal PROCUREMENT CARD SERVICES Finance Department 50 West 13th Street Dubuque, Iowa 52001-4805 Proposals will be accepted until 5:00 p.m. CDT on Friday, May 15, 2009 at the office of the Finance Director, City of Dubuque, 50 West 13th Street, Dubuque, IA 52001-4805. The City of Dubuque contact person for this proposal is Ken TeKippe, Finance Director, phone 563-589-4133, a-mail ktekippe@cityofdubuque.org. Proposal Index _ Section 1 -Notice 1.01 Notice ..................................................................................................................3 1.02 Contact ................................................................................................................ 4 Section 2 -Terms 8< Conditions 2.01 Submission of Proposals ..........................:................................ ........ 5 2.02 Reservations ..................................:...................................................................... 5 2.03 Qualifications ......................................................................................................... 5 2.04 Proposal Form ...................................................................................................... 6 2.05 Lan uage, Words Used Interchangeably ............................................................... 6 2.06 Modification, Addenda and Interpretations ........................................................... 6 2.07 Errors in Proposals ............................................................................................... 6 2.08 Oral Statements Not Binding ................................................................................ 6 2.09 Specification Deviations by the Proposer ............................................................. 7 2.10 Specification Changes. Additions, and Deletions ................................................. 6 2.11 Proposal Changes ................................................................................................ 6 2.12 Collusive Proposals .............................................................................................. 6 2.13 Brochures ............................................................................................................ 6 2.14 Proposal Opening and Award .........................................:.................................... 6 2.15 Proprietary Information ......................................................................................... 8 2.16 Hold Harmless Agreement .................................................................................... 8 2.17 Cancellation .......................................................................................................... 7 2.18Termination of Award for Cause ............................................................................ 7 2.19 Termination of Award for Convenience .....................................................:........... 9 2.20 Force Maieure ...................................................................................................... 9 2.21 Subcontractors and Assignment of Contract ...................................................... 10 2.22 Laws and Regulations ........................................................................................ 10 2.23 Agreement Forms .............................................................................................. 10 2.24 Modification of Agreement .................................................................................. 10 2.25 Insurance Requirements ..................................................................................... 10 2.26 Equal Opportunity ............................................................................................... 11 2.27 Taxes ................................................................................................................. 11 City of Dubuque, Iowa Page 1 Request for Proposal of Procurement Card Services Section 3 -Program Requirements: '3.01 General Purpose ................................................................................................. 12 3.02 Background ....................................................................................................... 12 3.03 Key Roles ....................:..................................................................................... 13 3.04 Scope of Services .....................................................:........................................ 13 3.04.01 Card Format .................................................................................. 13 3.04.02 Card Issuance ............................................................................... 13 3.04.03 Card Use Controls ......................................................................... 13 3.04.04 Disputes .............:........................................................................... 13 3.04.05 Billing Services ............................................................................... 14 3.04.06 Online Access ~ `- .. ....................•.•.. 14 .................................................... 3.04.07 Other Card Services ...................................................................... 14 3.04.08 Reports ......................................:................................................... 14 3.04.09 Other Requirements ...................................................................... 14 Section 4 -Proposal Format and Evaluation: 4.01 Proposal Submission Format .............................................................................. 15 4.01:01 Safety and Soundness ............................................................... ° .. 15 4.01..02 Personnel ...................................................................................... 15 4.01.03 Experience .................................................................................... 16 4.01.04 Customer Commitment ................................................................. 16 4.01.05 References ................................................................................... 17 4.01.06 Program Specifications and Response Form ................................ 17 4.01.07 Implementation Procedures ................................................ 4.01.08 Training .......................................................................................... 17 4.01.09Additional Information ..................................................................... 17 4.02 Evaluation of Proposals ...................:................................................................. 18 4.03 Program Specification & Response Form ........................................................... 20 4.04 Signature Page .................................................................................................. 31 City of Dubuque, Iowa Page 2 Request for Proposal of Procurement Cazd Services Section 1 NOTICE OF REQUEST FOR PROPOSALS PROCUREMENT CARD SERVICES FOR THE CITY OF DUBUQUE, IOWA 1.01 NOTICE Notice is hereby given that sealed proposals will be received until 5:00 p.m. CDT Friday, May 15, 2009 at the Finance Director's Office, in the City Hall, 50 West 13th Street, Dubuque, Iowa 52001-4805, for a procurement card program for the City of Dubuque. Written questions regarding this proposal will be accepted by the Finance Director until 5:00 p.m. CDT on Tuesday, May 12, 2009. Written questions may be delivered or submitted via US Mail, delivery service, fax, or a-mail. Those. submitting written . questions and comments will receive a written response. Questions and responses will be shared with all proposers receiving a proposal document. All proposals shall be submitted to the City of Dubuque, Finance Director's, 50 West 13th Street, Dubuque, Iowa 52001-4805, on or before the time herein set for the opening of proposals. Proposals shall be sealed and plainly marked as proposals in response to this notice. ` Proposer may not withdraw proposal for at least 90 days after the scheduled closing time for receiving proposals. All pricing presented in the proposals shall held firm for 90 days after the receipt of the proposal. 1.02 TIME TABLE E-Mail and post RFP on City website Tuesday, April 21, 2009 Pre-Bid Meeting Friday, May 1, 2009 Deadline for questions Tuesday, May 12, 2009 Final Proposals Due Friday, May 15, 2009 Award of Proposal Monday, June 15,.2009 City of Dubuque, Iowa ~ Page 3 Request for Proposal of Procurement Card Services . 1.03 CONTACT The City of Dubuque's contact person for the proposal process is: Ken TeKippe Finance Director Finance Department . 50 West 13~' Street Dubuque, Iowa 52001-4805 Phone 563-589-4131 Fax 563-690-6689 E-mail ktekiepe a`yofdubuque.orq City of Dubuque, Iowa Page 4 Request for Proposal of Procurement Card Services Section 2 TERNtS & CONDITIONS PROCUREMENT CARD SERVICES 2.01 SUBMISSION OF PROPOSALS Proposals shall be submitted by the deadline to be considered. Proposals shall be submitted in a sealed envelope addressed to the Finance Director, 50 West 13th Street, Dubuque, Iowa 52001-4805. Envelopes shall identify the proposer name and clearly state Procurement Card RFP. Proposals may be withdrawn, altered, and/or resubmitted before the deadline. Proposals may not be withdrawn within ninety (90) days thereafter. Each proposal must identify the name of the proposer and authorized representative. Each proposer shall sign the proposal and give full business address. The names of persons signing should be typed or printed along with the signature. If requested by the City, satisfactory evidence of the authority of the officer signing on behalf of the corporation shall be furnished. 2.02 RESERVATIONS The City reserves the right to reject any or all proposals, to waive informalities, and to make such award as it shall deem to be in the best interest of the City. The City reserves the right to negotiate any proposal item with the successful Proposer. 2.03 QUALIFICATIONS All businesses submitting proposals shall have provided procurement card services to agencies and/or companies similar in size to the City of Dubuque. All proposers shall have provided services and products similar to those required for the City's program. Prequalification statements are not required. Proposers may be requested to submit financial statements subsequent to the opening of proposals together with such other information as may b~ required to determine that a contemplated awardee is fully qualified to receive the award. City of Dubuque, Iowa Page 5 Request for Proposal of Procurement Card Services 2.04 PROPOSAL FORM Each proposer must submit an original proposal and nine (9) additional signed copies as required on the forms attached. An electronic copy must also be provided. 2.05 LANGUAGE, WORDS USED INTERCHANGEABLY The word CITY refers to the CITY OF DUBUQUE, IOWA throughout these Instructions and Terms and Conditions. Similarly, PROPOSER refers to the person or company submitting an offer to sell its goods or services to the CITY. The words QUOTATION, BID and PROPOSAL are all offers from a PROPOSER, but may represent different methods of obtaining price and other information from the PROPOSER. VENDOR refers to the successful proposer. 2.06 MODIFICATION, ADDENDA AND INTERPRETATIONS Any apparent inconsistencies, or any matter requiring explanation or interpretation, must be inquired into by the proposer in writing at least 72 hours (excluding weekends and holidays) prior deadline set for the Proposal submission. Any and all interpretations or modifications will be in the form of written addenda. All addenda shall become part of the contract documents and shall be acknowledged and dated on the Signature Page. Each proposer is charged. with the responsibility of understanding the requirements of this contract and all other matters that can affect the terms or obligations incorporated herein before submitting a proposal. 2.07 ERRORS IN PROPOSALS Proposers or their authorized representatives are expected to fully inform themselves as to the conditions, requirements, and other factors that may affect the contract before submitting proposals. Failure to do so will be at the proposer's own risk and relief cannot be sought on the plea of error. Neither law nor regulations make allowance for errors either of omission or commission on the part of proposers. 2.08 ORAL STATEMENTS NOT BINDING It is understood and agreed that the written terms and provisions of this contract shall supersede all oral statements of any and every official or other representative of the City, and oral statements shall not be effective or be construed as entering into, or forming a part of, or altering this contract in any way whatsoever. City of Dubuque, Iowa Page Request for Proposal of Procurement Card Services 2.09 SPECIFICATION DEVIATIONS BY THE PROPOSER Any deviation from this specification MUST be noted in detail, and submitted in writing on the Bid Form. Completed specifications should be attached for any substitutions offered, or when amplifications are desirable or necessary. The absence of the specification deviation statement and accompanying specifications will hold the Proposer strictly accountable to the specifications as written herein. Failure to submit this document of specification deviation, if applicable, shall be grounds for rejection of the services offered. If specifications or descriptive papers are submitted with the proposal, the Proposer's name should be clearly shown on each document. 2.10 SPECIFICATION CHANGES, ADDITIONS AND DELETIONS All changes in proposal documents shall be through written addendum and furnished to all Proposers. Verbal information obtained otherwise will NOT be considered in awarding of proposal. 2.11 PROPOSAL CHANGES Proposals, amendments thereto, or withdrawal requests received after the time advertised for the proposal submission, will be void regardless of when they were mailed. 2.12 COLLUSIVE PROPOSAL The proposer certifies that the proposal submitted is done so without any previous understanding, agreement or connection with any person, firm, or corporation making a proposal for the same contract, without prior knowledge of competitive prices, and it is, in all respects, fair, without outside control, collusion, fraud or otherwise illegal action. 2.13 BROCHURES Proposals shall include adequate brochures, latest printed specifications and advertising literature, describing the product offered in such fashion as to permit ready comparison with our specifications on an item-by-item basis where applicable. 2.14 PROPOSAL AWARD Proposals will be evaluated promptly after submittal deadline. After committee evaluation and proper approvals, the results will be sent to all proposers. NO PROPOSAL RESULTS WILL BE GIVEN OVER THE TELEPHONE. No proposal may be withdrawn for a period of ninety (90) calendar days of the proposal opening date. City of Dubuque, Iowa Page 7 Request for Proposal of Procurement Card Services 2.15 PROPRIETARY INFORMATION All information included in any proposal that is of a proprietary nature must be clearly marked as such. The City shall be held harmless from any claims arising from the release of proprietary information not clearly designated as such by the proposing firm. Notwithstanding the above, the City of Dubuque is a government body and its public records are subject to the provisions of Iowa Code Chapters 21 and 22 and their successors. 2.16 HOLD HARMLESS AGREEMENT The Vendor agrees to protect, defend, indemnify and hold harmless the City of Dubuque and its officers and employees from any and all claims and damages of every kind and nature made, rendered or incurred by or in behalf of every person or corporation whatsoever, including the parties hereto and their employees that may arise, occur, or grow out of any acts, actions, work or other activity done by the vendor, its employees or subcontractors working under the direction of either the vendor or subcontractor in the performance of this contract. 2.17 CANCELLATION Either party may cancel the award in the event that a petition, either voluntary or involuntary, is filed to declare the other party bankrupt or insolvent or in the event that such party makes an assignment for the benefit of creditors. 2.18 TERMINATION OF AWARD FOR CAUSE If, through any cause, the Vendor shall fail to fulfill in a timely and proper manner its obligations or if the Vendor shall violate any of the covenants, agreements or stipulations of.the award, the City shall thereupon have the right to terminate the award by giving written notice to the Vendor of such termination and specifying the effective date of termination. In that event, and as of the time notice is given by the City, all finished or unfinished services, reports or other materials prepared by the Vendor shall, at the option of the City, become its property, and the Vendor shall be entitled to receive compensation for any satisfactory work completed, prepared documents or materials as furnished. Notwithstanding the above, the Vendor shall not be relieved of liability to the City for damage sustained by the City by virtue of breach of the award by the Vendor and the City may withhold any payments to the Vendor for the purpose of set off until such time as the exact amount of damages due the City from the Vendor is determined. City of Dubuque, Iowa Page 8 Request for Proposal of Procurement Card Services 2.19 TERMINATION OF AWARD FOR CONVENIENCE The City may terminate the award at any time by giving written notice to the Vendor of such termination and specifying the effective date thereof, at least thirty (30) working days before the effective date of such termination. In that event, all finished or unfinished services, reports, materials(s) prepared or. furnished by the Vendor or under the award shall, at the option of the City, become its property. If the award is terminated due to the fault of the Vendor, termination of award for cause relative to termination shall apply. If the award is terminated by the City as provided herein, the Vendor will be paid an amount as of the time notice is given by the City which bears the same ratio to the total compensation as the services actually performed or material furnished bear to the total services/materials the Vendor covered by the award, less payments of compensation previously made. 2.20 FORCE MAJEURE For the purpose hereof, force majeure shall be any of the following events: acts of God or the public enemy; compliance with any order, rule, regulation, decree, or request of any governmental authority or agency or person purporting to act therefore; acts of war, public disorder, rebellion, terrorism, or sabotage; floods, hurricanes, or other storms; strikes or labor disputes; or any other cause, whether or not of the. class or kind specifically named or referred to herein, not within the reasonable control of the party affected. A delay in or failure of performance of either party shall not constitute a default hereunder nor be the basis for, or give rise to, any claim for damages, if and to the extent such delay or failure is caused by force majeure. The party who is prevented from performing by force majeure (i) shall be obligated, within a period not to exceed fourteen (14) days after the occurrence or detection of any such event, to give notice to the other party setting forth in reasonable detail the nature thereof and the anticipated extent of the delay, and (ii) shall remedy such cause as soon as reasonably possible. City of Dubuque, Iowa Page 9 Request for Proposal of Procurement Card Services 2.21 SUBCONTRACTORS AND ASSIGNMENT OF CONTRACT Assignment: The Vendor shall not assign the contract to subcontractors, nor sublet the contract as a-whole without the City's written consent and approval; nor shall the Vendor assign any moneys due or to become due to him, without the prior written consent of the. City. The City of Dubuque shall not be obliged to recognize any assignment. Subcontractors: Proposers must indicate when submitting their proposal whether any subcontractors will be involved, who proposed subcontractors are, and what portion of the contract is intended for the subcontractors if Proposer is awarded the contract. 2.22 LAWS AND REGULATIONS All applicable State of Iowa and federal laws, ordinances, licenses and regulations of a governmental body having jurisdiction shall apply to the award throughout as the case may be, and are incorporated here by reference. 2.23 AGREEMENT FORMS If a Proposer intends to request that the City of Dubuque enter into any agreement form in connection with the award of this contract, the form must be submitted with the proposal for review by the City's legal counsel during the evaluation of proposals. Proposers are advised that in the event any such agreement contradicts City of Dubuque requirements as stated in the proposal documents, the proposal may be rejected due to the contradiction unless proposer indicated deletion of such clauses. If no agreement form is included with the proposal, no such form will be approved by the City during the evaluation or award processes, or following award of contract The City of Dubuque will in no case agree to terms not submitted for review with proposals. 2.24 MODIFICATION OF AGREEMENT No modification of agreement shall be binding unless made in writing and signed by the City. 2.25 INSURANCE REQUIREMENTS The Proposer must provide a statement that the requirements in The City of Dubuque's Insurance Schedule C (attached) will be adhered to. City of Dubuque, Towa ~ Page 10 Request for Proposal of Procurement Cazd Services 2.26 EQUAL OPPORTUNITY The successful firm agrees not to refuse to hire, discharge, promote, demote, or to otherwise discriminate in matters of compensation against any person otherwise qualified solely because of race, creed, sex, national origin, ancestry or physical handicap. 2.27 TAXES The City of Dubuque is exempt from sales tax and certain other use taxes.. Any charges for taxes from which the City is exempt will be deducted from invoices before payment is made. City of Dubuque, Iowa Page 11 Request for Proposal of Procurement Card Services Section 3 PROGRAM REQUIREMENTS PROCUREMENT CARD SERVICES 3.01 GENERAL PURPOSE The purpose of this request is to obtain proposals from qualified firms for the provision of purchasing card (credit card) services for small dollar .purchases and travel expenses for the departments of the City of Dubuque. The City does not currently have a formal procurement card program. It is intended that the City enter into a contract that will result in the simplification of purchase transactions and the consolidation of payments. All City employees and elected officials will be eligible to apply for and obtain the procurement card. Employees will receive a procurement card with the approval.of their department manager/director and the Finance Director. The City uses SunGard Public Sector Finance Plus v4.3 financial software, which has an optional Procurement Card module as part of the system. The City prefers to use this application to administer the Procurement Card program in conjunction with the Vendor's administrative services. The City plans to download card transactions from the Vendor's system and load the transaction into the FinancePlus Procurement Card module for additional review, general ledger distribution, posting transactions to the . general ledger, updating payee records and issuing payment to the Vendor. 3.02 BACKGROUND The City of Dubuque is located on the Mississippi River in northeast Iowa, adjacent to the states of Illinois and Wisconsin. The population of Dubuque currently has a land area of 29.94 square miles, and a census 2000 population of 57,686. As the largest city in the tri-state area, Dubuque serves as the hub of a trade area with a population estimated at 250,000. For more information regarding the city's statistics please refer to the city's official website at www.cityofdubugue.org. The City's fiscal year runs from July 1 through June 30. The adopted Fiscal Year 2010 operating and capital budget is approximately $169 million. The City's current general obligation bond rating from Moody's is Aa2. The City employs approximately 750 people who provide services through twenty six departments. City of Dubuque, Iowa Page 12 Request for Proposal of Procurement Card Services - The Finance Department processes the payments of all invoices for materials and services purchased by the City. The Finance Department currently issues approximately 300 checks per week. 3.03 KEY ROLES Key roles in the City's Procurement Card Program are as follows: Program and Contract Administration will `be provided by the Finance Director. Card Administration will be provided by the Purchasing Coordinator Payment Administration will be provided by the Finance Accountant Department Card Coordinator in each department to be appointed by the respective Department Director/Manager. Cardholders are authorized by Department Directors/Managers'and Finance Director. Proposal Evaluation Committee consists of the Budget Director, Finance Director, Assistant Finance Director, Information Services Manager, Leisure Services Manager, Purchasing Coordinator, Finance Accountant and Lead Applications/Network Specialist. 3.04 SCOPE OF SERVICES 3.04.01 Card Format: The vendor shall provide customized purchasing cards. The proposed card design shall be approved by the City of Dubuque and shall be customized based on the requirements set forth in the Card Format section of the Detailed Program Requirements. The City will provide the vendor with the information necessary to produce the customized cards. 3.04.02 Card Issuance: The vendor shall mail all newly issued and any reissued cards to the Purchasing Coordinator. The vendor shall include with the cards a manifest listing the number of cards sent and the card holder's name. 3.04.03 Card Use Controls: Card controls will be provided that would allow the Card Administrator to control the use of a card or cards through various limits and restrictions. These limits. and restrictions include dollar limits, limits to number of transactions, merchant category code (MCC) restrictions, specific vendor restrictions, etc. City of Dubuque, Iowa _ Page 13 Request for Proposal of Procurement Card Services 3.04.04 Disputes: Procedures shall be in place to allow the quick resolution of disputes and the timely handling of stolen and lost cards. Immediate termination or temporary suspension of card privileges shall be provided. - 3.04.05 Billing Services: The Vendor shall adhere to consistent billing cycles and should be flexible in assigning cycle dates that meets the City's needs. The Proposer will provide a billing statement for each cardholder and a summary by department, and an overall billing statement totaling the charges for the period to the City of Dubuque. 3.04.06 Online Access: The Vendor shall provide online access through Web services for the purposes of card administration, monitoring account transactions and online reporting. The interface shall provide timely access to account information and purchasing transactions. The ability to download account transactions to the local desktop must be available. 3.04.07 Other Card Services: The Vendor shall have a designated representative that knows the needs of the City and is responsive to them, and is familiar with the terms of the contract and the City's policies and procedures insofar as they affect the contract. • The Vendor shall provide initial training to the City on their card program and online Web services. • The Vendor shall offer a rebate program to the City of Dubuque. • The Vendor must collect and provide 1099 tax reporting information to the City of Dubuque. • The Vendor must collect and provide summary vendor information for monthly publishing to the City of Dubuque. • The Vendor shall provide the purchasing card user manual and user agreement templates. 3.04.08 Reports: The Vendor shall provide specific "on demand" and automatic reports as deemed necessary by the City. 3.04.09 Other Requirements: The Proposer must provide information on hardware/software requirements necessary to implement the Procurement Card Program. The Proposer must identify fees, if any, associated with this requirement. City of Dubuque, Iowa Page 14 Request for Proposal of Procurement Card Services Section 4 PROPOSAL FORMAT & EVALUATION PROCUREMENT CARD SERVICES 4.01 PROPOSAL SUBMISSION FORMAT Proposals shall be submitted to the Finance Director, 50 West 13th Street, Dubuque, Iowa 52001-4805. Proposals must be received in the Finance Director prior to the date and time stated in the Notice. Each proposal shall be submitted in a sealed package clearly marked on the outside of the package that it is a proposal for the City of Dubuque Procurement Card Services. The package shall include at least one (1) original and a total of nine (9) bound sets of proposal documents. The original and each copy of the proposal must be signed by an officer or agent duly appointed to represent the Proposer. Receipt of any addenda must be acknowledged in the proposal or a copy of any addenda shall be signed and attached to the proposal. Proposals shall include the following information about the proposed card issuer. If the firm submitting the proposal is not the card issuer, this information is to be provided for both the card issuer and the proposer. Under no circumstances will lade proposals be accepted. 4.01.01 Safety and Soundness: A brief description of the Proposer's firm including the name(s) of owner(s) and/or principal officers, the date of origin and/or incorporation and the length of. time the company has been in the business of providing purchasing card services. Key measures of the Proposer's financial strength. City of Dubuque, Iowa Page 15 Request for Proposal of Procurement Card Services Proposers must comply with Payment Card Industry (PCI) and any other relevant security standards related to acceptance, storage and processing of purchase card transactions. 4.01.02 Personnel: Names, titles, phone and fax numbers, a-mail addresses, and brief biographies of issuer contact personnel. Including Account Representative and Support contact. Number of employees in key areas to provide service to proposed account. 4.01.03 Experience: Length of time the proposed issuer has been providing the type of services requested. A general overview of the companies and agencies using similar services under the management of the proposed issuer. A general overview of services provided to municipalities or other governmental agencies to which the issuer provides services for a procurement card program. Critical factors for a successful procurement card program. Factors that may prevent or impede achievement of procurement card program goals. 4.01.04 Customer Commitment: What items differentiate your services from that of other providers? How do you intend to keep your product current and competitive? What approach is taken in the development of new services? Are enhancements under your direct control? How do you prioritize enhancement requests submitted by your customers? How would you consult with City program staff on an ongoing basis to discuss strengths and weaknesses of the program and recommended practices to promote maximum efficiencies? City of Dubuque, Iowa ~ _ Page 16 Request for Proposal of Procurement Card Services 4.01.05 References: List any governmental agencies your company is currently servicing and the length of time you have been the provider of services for each account. Please include contact persons and their respective telephone numbers for each. A total of at least five references must be included. 4.01.06 Program Specifications and Response Form: Proposals must- include the fully completed Program Specifications and . Response Form (see section 4.03). Proposers may not use a substitute form. Further clarification of any item included on the Response Form may be attached to the form and labeled as "Response to Item SR.N.NN". . 4.01.07 Implementation Procedures Provide documentation on start-up and implementation procedures, including a proposed timetable, if your proposal is accepted. Implementation is depended upon City financial software upgrade installation, tentatively scheduled for completion in September 2009. Please include a schedule of events with milestone dates and responsibilities assigned. 4.01.08 Training The Vendor_shall provide training and training documentation. Provide detail information on the training services required in implementing Procurement Card Services.. Include documentation on the training materials and courseware required in implementing Card Administration and other services. 4.01.09 Additional Information Provide any additional information that you believe is relevant to the project and your capability to provide the services requested. 4.01.10 Pre-Bid Conference Proposers interested in submitting a bid shall attend apre-bid conference scheduled for 10:00 a.m. Friday, May 1, 2009. Proposers are invited to attend via conference call or in person at City Hall Conference Room A. If attending in City of Dubuque, Iowa ~ Page 17 Request for Proposal of Procurement Card Services person please contact the Finance Director at 563-589-4133 for further instructions. 4.02 EVALUATION OF PROPOSALS 4.02.01 Method of Evaluation: The Evaluation Committee is composed of the Budget Director, Finance Director, Assistant Finance Director, Information Services Manager, Leisure Services Manager, Purchasing Coordinator, Finance Accountant and Lead Applications/Network Specialist. In general, the proposals will be evaluated based on, but not limited to, the General Evaluation Criteria stated below and the completeness, clarity, and content of the proposal. The City reserves the right to conduct interviews with individual Proposers so as to better assess the competency of the Proposer and his/her designated project team members to provide the Scope of Services in a timely and satisfactory manner. Invitation to participate in apre-selection interview shall be solely at the discretion of the City. All such interviews will be conducted in Dubuque and shall be without cost to the City. The Committee recommendation will be forwarded to the City Manager for approval. 4.02.02 General Evaluation Criteria: Total scope of services offered Compliance with required services Compliance with required security standards Knowledge and experience with providing services for programs similar in requirements to the City's proposed program Financial responsibility/stability Responses to overall proposal, and compliance with submission guidelines Demonstrated commitment to customer service excellence Ability to provide the required transaction and other reporting information City of Dubuque, Iowa Page 18 Request for Proposal of Procurement Card Services References Card acceptance, particularly by non-travel related businesses. Proposal presentation (completeness, organization, appearance, etc.) Oral presentation, if required Rebate program Cost of services, if any Financial terms will not be the sole determining factor in the award. The criteria shown above will be considered, as well as any other factors which the evaluation committee determine may affect the suitability of the proposal for the City's program. Submission of a proposal constitutes acceptance of this evaluation technique and recognition and acceptance that subjective judgements will be used by the evaluators in the evaluation. The vendor will be required to sign a contract with the City of Dubuque. City of Dubuque, Iowa Page 19 Request for Proposal of Procurement Card Services 4.03 PROGRAM SPECIFICATIONS AND RESPONSE FORM FOR PROCUREMENT CARD SERVICES This form is furnished as a convenience to those submitting proposals. The format is also intended to aid in the comparative analysis of proposals. All responses and submittals that are requested in the proposal document but not included on this form should be submitted in the proposer's preferred form and format $R.1.00 CARD FORMAT; Item ID Item Descri tion Yes No Can the followin be tinted on the front of the card? SR.1.01 The corn an name "Ci of Dubu ue" ^ ^ SR.1.02 Two-color Cit loo ^ ^ SR.1.03 Holo ra hic Ci loo ^ ^ SR.1.04 Name of individual cardholder ^ ^ SR.1.05 Name of department to which the cardholder is assi ned ^ ^ SR.1.06 The words "For official Ci use onl " ^ ^ SR.1.07 The words "Tax Exem t" ^ ^ SR.1.08 Federal Em to er Identification Number ^ ^ SR.1.09 No. of printed lines allowed on the front of the card: Can the followin be tinted on the back of the card? SR.1.10 Pro oser's toll-free customer service number ^ ^ SR.1.11 Can the Ci restrict reference to ATM on the card? ^ SR.1.12 Can the card numberin s stem be uni ue to the Ci ^ ^ SR.1.13 Describe all dispute and liability limitations and/or restrictions placed on a department card. SR.1.14 Do merchants enerall acce t de artment cards? ^ ^ SR.1.15 Describe any issues or known problems with using department cards in the space below. - SR.1.16 Who is the card issuer (Visa, Master Card, etc.) or can the City select the card issuer? City of Dubuque, Iowa Page 20 Request for Proposal of Procurement Card Services SR 7.00 GARD,' FORMAT SR1.17 List the advantages or disadvantages of the different card issuers. SR.1.18 Describe other card options and give additional comments in the space below. SR:-2:OO,~C~1RDmUSE CONTROL'S` Item ID Item Description Yes No SR.2.01 Ability to place all controls globally or on individual accounts ^ ^ SR.2.02 Ability to limit or adjust dollars charged on a daily basis ^ ^ SR.2.03 Ability to limit or adjust dollars charged on a billing cycle basis ^ ^ SR.2.04 Ability to limit or adjust number of daily transactions ^ ^ SR.2.05 Ability to limit or adjust number of billing cycle transactions ^ ^ SR.2.06 Ability to limit or adjust transaction amount ^ ^ SR.2.07 Ability to restrict or adjust use of procurement cards at vendors with identified merchant category code(s) ^ ^ SR.2.08 Ability to allow use of procurement cards at only those vendors with given merchant category code(s) (opposite of SR.2.07 ^ ^ SR.2.09 Ability to restrict use of procurement cards at specified vendor s ^ ^ SR.2.10 Ability to allow use of procurement card(s) only at specified vendor(s) (opposite of SR.2.09} ^ ^ SR.2.11 Ability to restrict ATM or cash withdrawal from any source ^ ^ SR.2.12 Ability to temporarily suspend use of card for a specified period of time ^ ^ SR.2.13 Ability to temporarily change dollar limit for a specified time period ^ City of Dubuque, Iowa Page 21 Request for Proposal of Procurement Card Services SRr2:00 CARD~USE=CONTROLS ' , ,. SR.2.14 Describe the procedure used to permanently terminate a card below: SR.2.14 Describe other control options below: SR 2.15 Describe fraud and identity theft monitoring tools that are in place to provide protection and notification of the City in cases of attempted fraudulent use or spending patterns inconsistent with the norm for a card user. f~ ;SR 3 00 Disputes - Item ID Item Descri tion Yes No SR.3.01 Dis utes are resolved within sixt 60 calendar da s ^ ^ SR.3.02 Credits area lied to•account immediate) after resolution ^ ^ SR.3.03 Hours given to report lost/stolen cards without incurring any. ,liability: SR.3.04 Maximum liability for lost or stolen cards: City of Dubuque, Iowa Page 22 Request for Proposal of Procurement Card Services SR.3.04 ~ What is. your procedure for handling lost or stolen cards: SR.3.05 ~ What is your procedure for handling disp City o£ Dubuque, Iowa Page Request for Proposal of Procurement Card Services SR:4:00 BILLING; SERVICES Item ID Item Descri tion Yes No SR.4.01 Billing cycle period not less than twenty-five days nor more than thi -five da s ^ ^ SR.4,02 Variable billin c cles b de artments ^ ^ - SR.4.03 Flexible assi nment of c cle date to meet Ci 's needs ^ ^ SR.4.04 Payment grace periods (list available terms below): SR.4.05 Payment frequency (list available frequencies below) SR.4.06 List different methods provided for receiving payment. Note your preferred method of receiving payment. SR.4.07 A billin statement is rovided to each cardholder. ^ ^ Statement shows the followin SR.4.08 C cle be innin and endin dates ^ ^ SR.4.09 Date of each transaction ^ ^ SR.4.10 Merchant name ^ ^ SR.4.11 Merchant sate o code for each transaction ^ ^ amount for each transaction ~ ^ ^ SR.4.12 Proposer provides overall statement showing total charges for the City for the billing period by Department with following detail: Cycle beginning and ending dates Cardholder's name and account number Total amount billed for each cardholder Total charges for each Department Total char es to the Ci for the eriod ^ ^ SR.4.13 Other options available for statements: SR.4.14 Does our com an offer a rebate ro ram? ^ ^ City of Dubuque, Iowa Page 24 Request for Proposal of Procurement Card Services SR.4.15 Attach information and/or schedules of incentives or price breaks offered based on volume, timeliness of payment, rebates or other measures. Label of the information as "Response to Item SR.4.15." SR:5.00 REPORTS Item ID Item Descri tion Yes No SR.5.01 On Demand Reports: The City may request that any of the ^ ^ following reports be provided within five business days after re nest. SR.5.02 Reports will be available for 120 days after the close of the ^ ^ eriod for which the re ort is re nested. SR.5.03 Duplicate.statements for a billing cycle, including any card ^ ^ holder or summa statement, SR.5.04 Report of transactions for a billing cycle by cardholder fora ^ ^ Department group, showing totals by merchant transaction code and then by date for each cardholder. SR.5.05 Report of detailed transactions during a billing cycle, sorted ^ ^ by merchant transaction code, for any individual cardholder. SR.5.06 Report of detailed transactions during a billing cycle, sorted ^ ^ by merchant transaction code, for any Department group. SR.5.07 Quarterly report of total dollar amount of transactions fora ^ ^ Department group showing the total for each cardholder in the Department group sorted by cardholder. SR.5.08 Quarterly report of total dollar amount of transactions fora ^ ^ Department group showing the total for each cardholder in the Department group sorted by merchant transaction code. SR.5.09 Quarterly report of total dollar amount of transactions for the ^ ^ City showing the total for each Department group sorted by Department group. SR.5.10 Quarterly report of total dollar amount of transactions for the ^ ^ City showing the total for~each Department group by merchant transaction code. SR.5.11 Annual report of total dollar amount of transactions fora ^ ^ Department group showing the total for each cardholder in the Department group sorted by cardholder Fiscal year report of total dollar amount of transactions fora ^ ^ Department group showing the total for each cardholder in the De artment rou sorted b cardholder City of Dubuque, Iowa Page 25 Request for Proposal of Procurement Cazd Services SR.5.12 Annual report of total dollar amount of transactions fora ^ ^ Department group showing the total for each cardholder in the Department group sorted by merchant transaction code. Fiscal Year report of total dollar amount of transactions fora ^ ^ Department group showing the total for each cardholder in the Department group sorted by merchant transaction code. SR.5.13 Annual report of total dollar amount of transactions for the ^ ^ City showing the total for each Department group sorted by Department group. Fiscal Year report of total dollar amount of transactions for ^ ^ the City showing the total for each Department group sorted by Department group. SR.5.14 Annual report of total dollar amount of transactions for the ^ ^ City showing the total for each Department group by merchant transaction code Fiscal Year report of total dollar amount of transactions for ^ ^ the City showing the total for each Department group by merchant transaction code SR.5.15 1099 report. ^ ^ SR.5.16 Merchant summary analysis. ^ ^ SR.5.17 Report summarizing account statement exceptions fora ^ ^ billing cycle. SR.5.18 Report summarizing transactions to local vendors. A list of ^ ^ zip codes for such vendors will be provided. SR.5.19 Automatic Reports: The City may request that any of the ^ ^ above reports be furnished automatically rather than or in addition to on-demand. City of Dubuque, Iowa Page 26 Request for Proposal of Procurement Card Services SR.6:00 ONLINE 1NEB SERVICES Item ID Item Descri tion Yes No SR.6.01 Is online Web services provided for administration of the Cit 's rocurement card? ^ ^ Are the following functions available to card administrators through Web services? SR.6.02 Re uest new cardholders ^ ^ SR.6.03 U date account information for existin cardholders ^ ^ SR.6.04 U date restrictions or limits for existin cardholders ^ ^ SR.6.05 Inactivate or terminate existin cardholders ^ ^ SR.6.06 Temporarily suspend card privileges for a specified period of Time ^ ^ SR.6.07 What is the wait time for online transaction updates to take effect ? Minutes Hours Da s SR.6.08 View cardholder statements ^ ^ SR.6.09 Print cardholder statements ^ ^ SR.6.10 Enter and track status of dis utes ^ ^ SR.6.11 Can different levels of access (full control, view only, etc.) be defined b individual? ^ ^ SR.6.12 Can administrators' access be restricted to a group of individuals? ^ Can individual cardholders view their account information to include the followin ? SR.6.13 View their account information such as name, department, billin address, etc. ^ ^ SR.6.14 View their card rofile restrictions, limits, etc. ^ ^ SR.6.15 View their dail transactions ^ ^ SR.6.16 View their billin c cle statement ^ ^ SR.6.17 Print month) statements ~ ^ ^ Are the following types of reports available to users based on user access level? SR.6.18 Cardholder information to include restrictions, limits, status, etc. ^ ^ SR.6.19 Transaction re orts b cardholder ^ ^ SR.6.20 Transaction re orts b de artment/cost center ^ ^ SR.6.21 Transaction re orts b merchant ^ ^ SR.6.22 Transaction re orts b merchant cate o code ^ ^ SR.6.23 Transaction re orts listin urchased item details for ^ ^ City of Dubuque, Iowa Pate 27 Request for Proposal of Procurement Card Services those merchants rovidin the information SR.6.24 Are users allowed to enter their own sort and selection ^ ^ criteria when eneratin re orts? SR.6.25 Attach to this proposal copies of sample reports available through online access. Label the sam les as "Res onse to Item SR.5.25." SR.6.26 Can users (based on their access level) download ^ ^ transaction information (merchant, date, amount, MCC, account) and transaction detail (purchased item information) to desktop application such, as Microsoft Excel, Access or Word? SR.6.27 Can transaction be downloaded in comma separated value ^ ^ CSV or fixed len th ASCII formats? SR.6.28 How quickly are transactions available online? (please state you answer in hours) Hours: 0 Please list factors that may affect how quickly transactions are available: SR.6.28. Processor engages a PCI-approved Qualified Security ^ ^ 5 Assessor (QSA) to conduct a review of their information security procedures and scan their Internet points of presence on a regular basis. If yes provide details regarding QSA and assessments and proof of certificate of validation. SR.6.29 Can the transaction file interface with the Finance Plus 4.x ^ ^ Procurement Module? If not, can file format be changed to interface with Finance Plus 4.x Procurement Module? SR.6.30 Attach detailed information with your proposal regarding the Web services you provide. Label the information as "Response to Item SR.5.29." SR.T.00 OTHER CARD`$ERVICES,. Item ID Item Descri tion Yes No SR.7.01 Is 1099 tax information collected and provided to the City in an electronic format? ^ ^ SR.7.02 Does your company assign as specific (named) account re resentative to handle the Cit 's account? ^ ^ SR.7.03 Does our com an offer a trainin ro ram for cardholders ^ ^ City of Dubuque, Iowa ~ Page 28 Request for Proposal of Procurement Card Services and card administrators regarding. card usage and online Web services? If there are any costs for training services, please make sure they are listed on the Cost of Services Schedule SR.8.00 SR.7.04 State how many hours of training are provided free of charge: SR.7.05 Please include detail information with your proposal regarding the rebate program offered by your company to include thresholds, method of calculation, percentage return. Label the information as "Response to Item SR.6.06." SR.7.06 Describe in detail any other "value added" services that may not be requested herein that would be available if your firm is the successful Proposer. If there are any costs associated with these services, please make sure they are listed on the Cost of Services Schedule (SR.8.00). `"SR.8.00 PROGRAM REQUIREMENTS Item ID Item Descri tion Yes No SR8.01 Please provide any hardware/software requirements necessary for implementation of your card program. If none, please state so. SR8.02 Are there one-time fees included with your proposal? If so, ^ ^ you must identify and include all fees on the Cost of Services Schedule. SR.8.03 Are there any ongoing fees included with your proposal? If ^ ^ so, you must identify and include all fees on the Cost of Services Schedule. City of Dubuque, Iowa ~ Page 29 Request for Proposal of Procurement Card Services SR.9.OO COST.OF SERVICES SCHEDULE Describe in detail all fees or other costs to the City that would be associated with your proposal. All fees and costs associated with the program shall be stated in your proposal; the City of Cedar Rapids will not pay any "extra" fees. If there is no cost associated with the service, enter `None' in the Cost column. - Item ID Description ~ Fee Period, (annual, month) ,etc. Cost SR.9.01 Account setu fees SR.9.02 Annual account fees SR.9.03 Annual card fees SR.9.04 Transaction fees SR.9.05 Web services fees SR:9.06 Late a ment ercenta e SR.9.07 Software license fees SR.9.08 Maintenance fees SR.9.09 Trainin fees SR.9.10 Consultation fees SR.9.11 Card re lacement fees SR.9.12 Fraud rotection fees Please identify any other required fees on the lines below: SR.9.13 SR.9.14 SR.9.15 SR.9.16 SR.9.17 SR.9.18 SR.9.19 - Please identify other fees for optional "value-added" services on the lines below: SR.9.20 SR.9.21 SR.9.22 SR.9.23 SR.9.24 SR.9.25 City of Dubuque, Iowa Page 30 Request for Proposal of Procurement Cazd Services 4.04 SIGNATURE PAGE The undersigned Proposer, having examined these documents, and having full knowledge of the condition under which the work described herein must be performed, hereby proposes that she/he will fulfill the obligations contained herein in accordance with all instructions, terms, conditions, and specifications set forth; and that she/he will furnish all required products/services and pay all incidental costs in strict conformity with these documents, for the - stated prices as payment in full. Submitting Firm: Address:. Name of Authorized Title: Authorized Date: Phone # E-mail: Fax # EXCEPTIONS OR DEVIATIONS to this Request for Proposal or the Terms should be listed below or "No Exceptions" written: FIRM PRICING Costs submitted in this bid are firm through: _ ADDENDA FORM (It is the Proposer's responsibility to check for issuance of any addenda) The undersigned hereby acknowledges receipt of the following applicable addenda: Addenda Number City of Dubuque, Iowa Request for Proposal of Procurement Card Services Date 31 INSURANCE SCHEDULE C INSURANCE REQUIREMENTS FOR~PROFESSIONAL SERVICES TO THE CITY OF DUBUQUE 1. All policies of insurance required hereunder shall be with an insurer authorized to do business in Iowa. All insurers shall have a rating of A better in the current A.M. Best Ratirig Guide. 2. All Certificates of Insurance required hereunder shall provide a thirty (30) day notice of cancellation to the City of Dubuque, except for a ten (10) day notice for non- payment, if cancellation is prior to the expiration date. 3. ~ shat! furnish a signed Certificate of Insurance to the City of Dubuque, Iowa for the coverage required in Paragraph 6 below. Such Certificates shall include copies of the following endorsements: a) Commercial General Liability policy is primary and non-contributing. b) Commercial General Liability~additional insured endorsement. c) Governmental Immunities Endorsement. shall upon request, provide Certificates of Insurance for all subcontractors and sub-sub contractors who perform work or services pursuant to the provisions of this contract. Said certificates shall meet the insurance requirements as required of 4. Each certificate shall be submitted to the contracting department of the City of Dubuque. 5. Failure to provide minimum coverage shall not be deemed a waiver of these requirements by the City of Dubuque. Failure to obtain or maintain the required insurance shall be considered a material breach of this agreement. 6. Contractor shall be required to carry the following minimum coverage/limits or greater if required by law or other legal agreement: a} COMMERCIAL GENERAL LIABILITY General Aggregate Limit $2.,000,000 Products-Completed Operations Aggregate Limit $1,000,000 Personal and Advertising Injury Limit . $1,000,000 Each Occurrence Limit ~ $1,000,000 Fire Damage limit (any one occurrence) $ 50,000 Medical Payments $ 5,000 1 of 2 January 2008 INSURANCE SCHEDULE C (Continued) INSURANCE REQUIREMENTS FOR PROFESSIONAL SERVICES TO THE CITY OF DUBUQUE This coverage shall be written on an occurrence form, not claims made form. All deviations or exclusions from the standard ISO commercial general liability form CG 0001 or Business owners BP 0002 shall be clearly identfied. Form CG 25 04 03 97 'Designated Location (s) General Aggregate Limit' shall be included. - Governmental Immunity endorsement identical or equivalent to form attached. Additional Insured Requirement: The City of Dubuque, including aA its elected and appointed officials; all its employees and volunteers, all its boards, commissions and/or authorities and their board members, employees and volunteers shall be named as an additional insured on General Liability including "ongoing operations" coverage equivalent to ISO CG 20 10 07 04. b) Automobile $1,000.000 combined single limit. c) WORKERS COMPENSATION ~ EMPLOYERS LIABILITY Statutory for Coverage A Employers Liability: Each Accident $ 100,000 Each Employee Disease $ 100,000 Policy Limit Disease - $ 500,000 d) PROFESSIONAL LIABILITY ~ $1,000,000 e) UMBRELLAlEXCESS LIABILITY * - *Coverage and/or limit of liability to be determined on a case-by-case basis by Finance Director. Completion Checklist ^ Certificate of Liability Insurance (2 pages) ^ Designated Location(s) General Aggregate Limit CG 25 04 03 97 (2 pages) ^ Additional Insured CG 20,10 07 04 ^ Governmental Immunities Endorsement 2 of 2 January 2008 ACORDTM CERTIFICATE OF LIABILITY INSURANCE i2i;i20°o .PRODUCER (563) 123-4567 FAx (563) 987-6543 Insurance Agency t Add St THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. ress ree Ci ST Zi Code INSURERS AFFORDING COVERAGE NAIC ~ INSURED INSURER A Insurance CO an Company INSURER a Street INSURER c: INSURER D: City $t Z1 COd@ INSURER E: COVERAGES THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTNIITHSTANDINGRNY TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFlCATE MAY BE ISSUED.OR MAY PERTAIN, REQUIREMENT , THE INSURANCE AFFORDED BY THE POLICIES DESCT216ED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. AGGREGATE LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR LTR ADD' INS TYPE OF INSURANCE POLICY NUMBER GATE Ml~iWECn~ pAT~E ~Ijp 710N ~ ~~ GENERAL LIABILITY ~ EACH OCCURRENCE S 1, OOO , 000 ES EaEN D~ 000 50 X COMMERCIALGE:NERALLUU3ILTTY n~ p ~ s , A X CLAIMS MADE ~ OCCUR MED EXP aru parsm) S 5, 000 PERSONAL 3 ADV INJURY S 1 , OOO, OOO GENERAL AGGREGATE S 2,000,000 GEN'LAGGREGATELIMITAPPUESPER PRODUCTS-COMPIOPAGG S 1,000,000 POLICY X E C LOC AUTOMOBILE LUU3ILTTY COMBINED SINGLE LIMIT S 1, 000, OOO X ANY AUTO (Ea aaJdene) A ALL OWNED AUTOS BODILY INJURY S SCHEDULED AUTDS (Per person HIRED AUTOS BODILY INJURY S NON-0WNED AUTOS (Per accident} PROPERTY DAMAGE S (Par accldenq GARAGE LUU3IUTY AUTO ONLY - EA ACCIDENT S ANY AUTO EA ACC OTHER THAN S ' - AU70 ONLY: AGG S A EXCESSNMBRELLA LUIBIUTY EACH OCCURREN E S I, 000, OOO X OCCUR ~ CLAIMS MADE AGGREGATE S 1, 000, 000 S Q DEDUCTIBLE - ~ { / S ~ X RETENTION S O S A WORKERS COMPENSATION AKD w.~ O X TORY LIMfTS ER EMPLOYERS'UABILITY R ~ Y`y EL EACH ACCIDENT ZOO 000 S ~ ANY PROPRIETORlPARTNE /EXECUTiVE 000 100 OFFICERMIEMBEREXCLUDED7 =}rO EL DISEASE - EA EMPLO , S iY yes, deschbe under ~ SPECIAL PROVISIONS below ~ j. EL DISEASE-POLICY LMIR S 500,000 A DTHER Professional $1, 000, 000 Liability,.•. DESCRIPTION OE OPERATtONSfLOCATIONSNEHICLES!EXCLUSIONS ADDED BY ENOORSEMENTISPECIAL PRONSIONS The City of Dubuque is as additional insured oa general liability policies including ongoing i completed operations coverage equivalent to ISO CG 2010 0704 i CG 2037 0704. General Liability policy is primary anon-contributing. Form CG 2504 0397 "Designated Locations" general liability aggregate limit is included. Governmental immtmities endorsement ie included. City of Dubuque 50 West 13th Street Dubuque, IA 52001 SHWLD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, THE ISSUING INSURER IMLL ENDEAVOR TO MAIL 30 DAYS WRITTEN NOTICE TO THE CERnFlCATE HOLDER NAMED TO THE LEFT, BUT FAILURE TO DO SO SHALL IMPOSE NO OBLIGATION OR LUIBILTTY OF ANY KWD UPON THE AUTHORVFII REPRESENTATRIE ACORD 25 (2001/08) • ®ALUKU cUttrulcA 1 lun ~ yea INS025 (otoe).oa AMS vMP Monpape Solutions, Inc. (800)327-0545 Pape 1 012 IMPORTANT If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. A statement on this certificate does not confer rights to the certifgte holder in. lieu of such endorsement(s). If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an . endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). DISCLAIMER The Certificate of Insurance on the reverse side of this form does not constitute a contract between the issuing insurer(s), authorized representative or producer, and the certificate holder, nor does it aftimtatively. or negatively amend, extend or alter the coverage afforded by the policies fisted thereon. J ~e G Pr°f~ i~nai acaRn 2s 12oouoa) INS025ro~oe}os AMS P~^zotz POLICY NUMBER: COMMERCIAL GENERAL LIABILITY CG 25040397 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ fT CAREFULLY. DESIGNATED LOCATION(S) GENERAL AGGREGATE LIMIT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Designated Location(s): " ANY AND ALL COVERED LOCATIONS (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.) A. For all sums which the insured becomes legally obligated to pay as damages caused by "occur- rences' under COVERAGE A (SECTION I), and for all medical expenses caused by accidents under COVERAGE C (SECTION I), which can be attributed only to operations at a single desig- nated "location' shown in the Schedule above: 1. A separate Designated Location General Aggregate Limit applies to each designated "location", and that limit is equal to the amount of the General Aggregate Limit shown in the Declarations. 2. The Designated Locatlon General Aggregate Limit is the most we will pay for the sum of all damages under COVERAGE A, except dam- ages because of "bodily injury" or "property damage' included in the `products-completed operations hazard`, and for medical expenses under COVERAGE C regardless of the num- ber of: a. Insureds; b. Claims made or `suits" brought; or c. Persons or organizations making claims or bringing "suits". 3. Any payments made under COVERAGE A for damages or under COVERAGE C for medical expenses shalt reduce the Designated Loca- tion General Aggregate Limit for that desig- nated "location`. Such payments shall not re- duce the General Aggregate Limit shown in the Declarations nor shall they reduce any other Designated Location General Aggre- gate Limit for any other designated "location' shown in the Schedule above. 4.. The limits shown in the Declarations for Each Occurrence, Fire Damage and Medical Ex- • pense continue to apply. However, instead of being subject to the General Aggregate Limit shown in the Declarations, such limits will be subject to the applicable Designated Location General Aggregate Limit. B. For all sums which the insured becomes legally obligated to pay as damages caused by 'occur- rences' under COVERAGE A (SECTION 1), and for all medical expenses caused by accidents under COVERAGE C (SECTION !), which can- not be attributed only to operations at a single designated "location" shown in the Schedule above: 1. Any payments made under COVERAGE A for damages or under COVERAGE C for medical expenses shall reduce the amount available under the General Aggregate Limit or~ the Products-Completed Operations Aggregate Limit, whichever is applicable; and . 2. Such payments shall not reduce any Desig- nated Location General Aggregate Limit. CG 25 04 03 97 Page 1 of 2 CG 25 04 03 97 C. When coverage for liability arising out of the "products-completed operations hazard" is pro- vided, any payments for damages because of °bodily injury° or "property damage' included in the "products-completed operations hazard" will reduce the Products-Completed Operations Ag- gregate Limit, and not reduce the General Ag- gregate Limit nor the Designated Location Gen- eral Aggregate Limit. D. For the purposes of this endorsement, the Defi- nitions Section is amended by the addition of the following definition: "Location" means premises involving the same or connecting lots, or premises whose connection is interrupted only by a street, roadway, waterway or right-of-way of a railroad. E. The provisions of Limits Of Insurance (SECTION 111) not othennrise modified by this endorsement shaft continue to apply as stipulated. Copyright, Insurance Services Office, Inc., 1996 Page 2 of 2 CG 25 04 03 97 POLICY NUMBER: COMMERCIAL GENERAL LIABILITY CG 20 10 07 04 THIS ENDORSEMENT CHANGES.THE POLICY, PLEASE READ IT CAREFULLY. ADDITIONAL ENSURED -OWNERS, LESSEES OR CONTRACTORS -SCHEDULED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE • Name Of Additional Insured Person(s) • Or Or anization s The City of Dubuque, including all its elected and appointed officials, ~ ' all its employees and volunteers, all its boards, commissions andlor authorities and their board members, employees and volunteers. Location(s) Of Covered Operations ,' Information re aired to com lete this Schedule, if not shown above, will be shown in the Declarations. A. Section fl -Who Is An Insured is amended to include as an additional insured the person(s) or organization(s) shown in the Schedule, but on]y with respect to liability for 'bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by: 1. Your acts or omissions; or 2. f~he acts or omissions of those acting on your behalf; , in the performance of your ongoing operations for the additional insureds) at the location(s) desig- nated above. B. With respect fo the insurance afforded to these additional insureds, the following additional exclu- sions apply: This insurance does not apply to "bodily injury" or •"IiiiJ~.rcliy d6iiiaye" QCCUrring afie~: CG 20 10 O7 04 - ' .Page 1 of 2 i. All work, including materials, parts or equip- ment famished in connection with such work, on the project (other than service, maintenance or repairs) to be performed by or on behalf of the additional insureds) at~ the location of the covered operations has been completed; or 2. That portion of "your work" out of which the injury or damage arises has been put to its in- tended use by any person or organization other than• another contractor or subcontractor engaged in performing operations fora princi- pal as a part of the same project. Ail terms and conditions of this policy apply unless modified by this endorsement. Page 2 of 2 ©lS0 Properties, Inc., 2004 CG 20 10 07 04 CITY OF DUBl1QUE, IOWA GOVERNMENTAL IMMUNITIES ENDORSEMENT Nonwaiver of Governmental Immunity. The insurance carrier expressly agrees and states that the purchase of this policy and the including of.the City of Dubuque, Iowa as an Additional Insured does not waive any of the defenses of governmental immunity available to the City of Dubuque, Iowa under Code of Iowa Section 670.4 as it is now exists and as it may be amended from time to time. 2. Claims Coverage. The insurance carrier further agrees that this policy of insurance shall cover only those claims not subject to the defense of~governmental immunity under the Code of Iowa Section 670.4 as it now exists and as it may be amended from time to time. Those claims not subject to Code of Iowa Section 670.4 shall be covered by the terms and conditions of this insurance policy. 3. Assertion of Government Immunity. The City of Dubuque, Iowa shall be responsible for asserting any defense of governmental immunity, and may do so at any time and shall do so upon the timely written request of the insurance carrier. 4. Non-Denial of Coverage. The insurance carrier shall not deny coverage under this policy and the insurance carrier shall not deny any of the rights and benefits accn-ing to the City of Dubuque, Iowa under this policy for reasons of governrriental immunity unless and until a court of competent jurisdiction has ruled in favor of the defense(s) of governmental immunity asserted by the City of Dubuque, Iowa. No Other Change in Policy. The above preservation of governmental immunities shall not otherwise change or alter the coverage available under the policy. 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OI y ~ N O Ni (Lj~ ~ 'O C L .C '~ C N Nf C O C N -~ C6 CQ '.C C6' ti .El ~ W ° - in 0 z 0 ~ ~ N j mt ~; EI S N ~ ~ C o ~ ; Y~ ~ AI L N W ~ . ~ 'O . m ~ ~ 1.1 ~ C w N y ~ Z tU N LL N C O C C 7 N C ~ .4i 2 t co ~ ~ m W m o ~ N o • W 0 ~ C O U C (0 N > ~ C ~ m d ~ C V •~ ~ E N ~ O O ' w f6 ~ N U N O O m C7 Y m F- D ~ tq fp ~ -~ ~ -~ D -~ Y C O C O m C ~ C d N ~ m ~ •C +' V .y ~ C Z (~ O - y y °~ CD ~ ~ ~ Q O [O a ~ L X ~.. X rn ~ '`. N Y l0 E E m O Y W C m N C Q ~ ( ~ m O ~ U ~pp ~ U ~ U O C O Y C N O ' U ~ 0 m ¢ y y (~ C O Y C C6 (,~ N N N Y Y ~ 7 C[i 'C Z ~ N m m y Q ¢ ¢ m m e i o o w ~ ~ a` v > > ~ ~ -"" Simply better banking° °T°°"" 895 Main Street P.O. Box 938 Dubuque, Iowa 52004-0938 563.589.0819 Fax 563.583.5041 bpeacock@americantrust.com www. americantrust. com Robert I. Peacock, CAMS Senior Vice President May 14, 2009 Mr. Ken TeKippe, Fin. Dir. Finance Department City of Dubuque 50 West 13th Street Dubuque IA 52001-4805 Dear Ken, Thank you for allowing American Trust & Savings Bank the opportunity to respond to your Request for Proposal for Procurement Card Services for the City of Dubuque. American Trust & Savings Bank, a locally owned, community bank which has served the Dubuque community for over 97 years has recently partnered with TSYS iSolutions to offer its clients a state of the art procurement card and expense management solution. This solution, CentreSuite, can be configured to meet the immediate needs of the City of Dubuque as well as allow for future growth. Specific information is contained in the attached response to your Request for Proposal which includes addenda for Section 3, Section 4, and Section 4.03. Ken, as a community bank we can provide a solution with local service and support which will meet the City of Dubuque's objective of simplifying purchase transactions and consolidation of payments with a formal procurement card program. We look forward to providing this additional service to the City of Dubuque. If you have any questions on this response, or need clarification, please contact Chuck Davis at 589-0812 or me at 589-0819. Sincerely, ~~~ . 4f Bob~°l~acock TALE OF CONTENTS • Addenda -Section 3 • TSYS iSolutions Information Sheets • Addenda -Section 4 • Section 4.03 • Addenda -Section 4.03 • Catalog of Standard Reports • Signature Page • Insurance Certificate • Bank Annual Report (left pocket of binder) • Call Report • UBPR Report Addenda to Section 3 Program Requirements Procurement Card Services 3.04 Scope of Services: 3.04.01 Card Format: Customized card formats are available. The costs for customized cards will vary based on numbers of colors and intricacy of design. Standard card formats are available at no cost. 3.04.02 Card Issuance: CentreSuite can be configured to define all account addresses to be for the purchasing coordinator. Account templates can also be defined to have this address pre-filled when ordering new accounts. 3.04.03 Card Use Controls: The CentreSuite application provides real-time access to account maintenance to allow users to instantly cancel an account or change a limit on an account. Users who have access can pull up an account by either searching for the cardholder's name (including wild card characters) or search by the actual card number. Users can also pull up an entire list of accounts for a specific unit name or the specific unit number. The list of accounts can also be sorted to easily find the specified account. Once the user has the appropriate account, they can click on the edit link, make the necessary change, and submit the change to the credit card processor. Once the received message displays, the account has been updated and now has the new value. 3.04.04 Disputes: All disputes would be handled by our Dispute Resolution Center. Lost or stolen cards are immediately terminated and replaced with new cards and account numbers. Temporary termination, or a change in card privileges, is also available. 3.04.05 Billing Services: The CentreSuite application provides users with an electronic version of the corporate card statement. These electronic statements are loaded into the CentreSuite system the day after your cycle date. The statements are PDF versions of the printed statement that you would normally receive in the mail. The electronic versions reduce the wait time to receive the statements. These statements are available for up to three months online for historical statements. The file can be viewed online, printed, or stored as an archive copy. 3.04.06 Online Access: Each account holder will have online access to their daily transactions. Administrators will be able to access multiple accounts as secure rights are granted. 3.04.07 Other Card Services: American Trust and CentreSuite will provide the initial training on the card program. We will also have an individual who is readily available to assist in the training (learning) process. This same person will assist in all problems and resolutions encountered. 1099 tax reporting is not available through this system. 3.04.08 Reports: CentreSuite Overview The CentreSuite application has been developed in a modular fashion so that it can be customized to meet the needs of different organizations. The CentreSuite application has the following features: Home Page - Provides a snapshot of the associated cardholder. The Home page also provides quick links to tasks that are frequently used. Also allows administrators to post messages on the home page for their cardholders. Statements Module - Allows a cardholder to view areal-time account summary for the account, pulling back information including a summary of the activity since the last statement (cycle to date) and a summary of the last statement information. The cardholder can also view real-time transactions for the current cycle (cycle to date) and up to three months of real-time transactions. These transactions can be downloaded in OFX (MS Money), IIF (QuickBooks), a comma delimited text file, or a tab delimited text file. The cardholder can also view an electronic version of their statement in the CentreSuite application. When the account cycles, the statement is loaded to their user profile and an email is sent to them reminding the cardholder that their statement is available online. The system stores six months of statements and allows cardholders to view, store, or print copies of their statements. Cardholders can also view their own authorizations and declines real-time using the CentreSuite application. Accounts Module -Allows cardholders to view their account information online. Based on security group permissions, administrators can make changes to accounts real-time (changes take effect immediately) and request new accounts real-time using the CentreSuite Application. All of the changes and new account requests are logged and available online or through the Program Change Request Audit Report (standard report). Administrators can also use the temporary credit limit increase function that allows administrators to select an account and temporarily increase or decrease the credit limit for a period of time or based on an expected transaction. The administrator can define these business rules so that once the business rule is met, the account will automatically be returned to the original credit limit. Administrators can also create card models or card templates that allow them to define specific information for a new account request so that this information can be defaulted or pre-filled in when you request a new account online. Administrators can also view authorizations and declines real-time for all cardholders using the CentreSuite application. Reports Module -Allows Administrators to view online organizational reports that are normally printed reports, but are available electronically through the CentreSuite application. These reports have text search capabilities to easily allow access to the pertinent data. The reports module also allows cardholders and administrators to run reports, schedule reports, or create data extracts based on the access rights of the user. There are also 12 standard reports that come with the CentreSuite application that can be run at anytime. Reports can also be scheduled to automatically run set on a daily, weekly, monthly, or on your cycle date. The CentreSuite application also allows administrators to create adhoc data extract files with the data mapper tool. The mapper tool allows an administrator to create an extract file where the user can specify specific fields in the order that they need them. All of the reports and mapper output files are conveniently listed in the output log where they can be viewed or downloaded by the user. Expenses Module -Allows users both cardholders and administrators to search for, view, and edit transactions. Users can filter for specific transactions based on account or unit information with the additional filters of specific merchant category codes or expense types, specific merchant information like the merchant name or merchant city, a specific dollar amount or range of dollar amounts, addendum information with the transaction, any of the allocation segments, or based on the mapped status. Once the list of transactions is displayed, users can add transaction descriptions, split transactions, and update allocation values. Users can split transactions by percentage, by amount, or based on line item information if the line item information is available with the transactions. Users can also batch update (up to 20 records at a time) any allocation values with one command rather than doing each transaction one at a time. They can also use the CentreSuite application to define a transaction view screen using up to 47 fields to export the data to a delimited file (comma, period, pipe, semicolon, or tab). Users can create groups of transactions for an account and route them electronically in an expense report. The users are notified by email that there is an expense report for their approval. The approvers can review transactions and make necessary changes or reject the entire expense report or reject individual transactions as needed. Once the report is correct, they can approve the expense report and forward it on to the next level of approval. You can define as many levels of approval as needed. Depending on your need, you can also allow cardholders to create out of pocket transactions so that they can be reimbursed for these transactions. The out of pocket transactions are traditionally for travel and entertainment programs, but can be configured for your organization if necessary. Administration Module -Allows administrators control of their system. Administrators can create users, update users, unlock the user ID if it becomes locked, reset security questions, and activate and inactivate user IDs as needed. Administrators can also use the CentreSuite application to define security groups and approval profiles (if routing and approval is used). You can create as many security profile or approval profiles as necessary to meet your needs. The administrator can define the criteria for the user ID and password and set the frequency that the password needs to change. They can also define the criteria for the self-registration portion if they want their cardholder to create their own user ID and password for the system. The administrator can define the cycle for their organization so that the cardholders will be able to easily select the previous cycle or the current cycle for when search transactions or running reports. These cycle dates can be set up to match the statement cycle. Administrators can post messages to the home page for their cardholders and can schedule the messages so that it is displayed for a specific period of time and then the message will automatically be removed from the site. The CentreSuite application will also let you customize the interface to use the colors and logo for your organization. Administrators can define the necessary accounting allocation fields using the CentreSuite application, such as fund, fiscal year, appropriation account, appropriation department, object code, or cost centers. These fields can be set up in a specific order to be displayed on the screen, the length can be specified, whether the field is editable or not, what data type is the field, whether input to the field should be validated against a complete list, and whether or not a pop-up list box will be needed for each field. The administrator can upload valid values and add new codes as necessary. Each code can also be activated and available for use. Codes can be set at a specific unit level or down to the individual account level. The CentreSuite application can also set up default values for specific allocation segments based on account, expense type, MCC, paint of sale, or unit. Each of these defaults can have different segments that are overridden based on the default configuration that the administrator sets up. For the out of pocket category, administrators can also define mileage rates that can be selected from adrop-down list for easy calculation. The CentreSuite application also has a robust context sensitive online help system that provides help on each page of the application. It also has information icons for all fields that provide tool tip help if a user is not sure what a field is used for. 3.04.09 Other Requirements: Users will need access to Internet and printers. No further hardware or software should be required. 4~ li7fr'~rrra<ai:ic3r`a i~;h~~rat i Thy irrt{pact ~f technc~lc~~y anal it~s cantinur_xas e~r~lution ne~~r sty}ins. In fae:t, it wasn't Ic~n~ ac~r~ wk-inn k]usinesses rnar~~ i~~urchas~s witk-I cash, ck-lecks, car i~ur-chas,u c~rr~~rs. C7vertirne, paper has given way to plastic, and commercial cards have evolved from basic purchasing devices into powerful, cost-cutting tools that are an essential component of every business. The ~olutinn TSYS has a history of adapting to rneetthe ever changing demands of the marketplace, We continually strive to create innovative products and servicesthatare notonly sophisticated, but resilient. TSYS iSolutions' next generation product, CentreSuite, t~entreSuite integrates pro++en industry success is a dynamic, flexible ~n~ith cutting-adge te~~hnologl" Web-based platform that provides cornpan ies with the insight, access, and control needed to better facilitate and manage organizational spending for purchasing and travel programs, The Product CentreSuite is a modular solution, providing real-timefunctionalitythat is integrated directly with the transaction processor, greatly improving the speed and reliability of account information. In addition, users can perform real-time reporting and transaction management online, enabling greater access to currentand historical expense data. The Value Whether your employees require instant access to accounts, expanses, statements, or reports, CentreSuite provides higher levels of se If-service, flexib ility, and convenience, Now It V'Jorks Self-Service CentreSuite puts the power of information into the hands of the people who need it most, Based on permissions, users can instantly access the specific account, transaction, or report they need, using only an Internet browser. Self-service means increased efficiency and improved productivity, as account holders, managers, and program adrministrators are able to perform business functions more quickly and effectively. -° 1~rIR PA0.RP&EI~ Ind ~6b~~6 P~iP~EPJ'T S~kATE~IE>$ ;_ ._~ ~S~'~> i ~~Ir~tion:,, ~ ~_~ntra'~uite "'~ - _ t ~ - . ~ ~' _ _ J Flexibility At the core of CentreSuite is a robust administration cornponerttthat allows program administrators to define and control user access to data and functionality, This capability also enables your organization to use only the features and functions app lica b le to your programs'size and type, Even as your needs grow, change, and become more complex, there is no need to roll out a new solution -just new features, CentreSuite evolves as your programs evolve. Convenience All of the CentreSuite modules are accessible through the same secure, intuitive Web-browser interface, If your organization has multiple card programs {e.g., Purchase Card, Travel & Entertainment Card, and/or a one Card) or a one-card solution, you can manage account, transaction and expense data, as well as run reportsfor all cards- in all programs -from a single solution. dlbout TSYS isolations TSYS i5olutions developed CentreSuite to seamlessly integrate with TSYS' commercial card processing system, TSYS providesthe industry's most advanced processing platforms to manage travel and entertainment, purchasing and flexible card programs for a variety of organ izations, TSYS has earned a reputation as an experienced pioneer of commercial card technology solutions.TSYS isolations is committed to being a partner you can rely on to provide leading-edge technology solutions with the security, customization and support you have grown to expect. Security -Dedicated to exceeding standards in security, TSYS iSolutions goes to great lengths to ensure your data is protected at our data center as well as during active Internet sessions. In addition,TSYS iSolutions' technical environment is protected with everything from industry-standard firewalls and encryption technology to user session security features. TSYS iSolutions is also prepared to recover data and resume business at a remote data center in the event of an unforeseen failure. Customization -TSYS iSolutions continually invests In our products to provide the latest features and functionality that meet each client's specific needs, We'll work with your organization to provide the best fit for your individual comrnercial card rnanagementprogram.TSYS iSolutions provides solutions to integrate CentreSuite with your enterprise systems, including accounting software and ERP systems, Support - We recognize that rolling out a new comrnercial card program can be a challenge, The good news is that TSYS isolations will be there every step of the way, from the initial implementation and training to the ongoing user support. Qur knowledgeable staff will do whatever ittakesto ensure that your CentreSuite experience meets your expectations, ~T~7 LERF~f~ P~iC~~~ CCattt3Ct Ts`t iSc}it.tri{~€ts al_~r~at trite C~~tttre5aitc~ :at ~st~luti{tlt~r+~Ies~~'S ys:.<~[yr~n ~i'~'4 i~7 S4F "Eya~,~l"~'V;~ $dL f'S~;i°ri~ L~EI,~Fart~F' dxP-9Fd fI27°I~tL,7Lta3 ~. a~41"Et f~€i'i$'FSr~~ ,~ ,.i.~: :ern ~ ~6~1 ~=3~010~° ~ +.{4;nJ1:n,9F~721~i1{ I +„t,_,E~"~ °~':.~ ~ +1, a t.l, 215; +1 ii ~.n:1u.Z 0 I'~~' 'r '~ ~ r 'll` Prcacessing r-ncanthly faa~aer- statements fear ycaur c_~~arnm~rc~ial carc:~ iar,~grarns r_.an kae an ac~ministr-ati~e rk~raller-rge. Staterrrent aCaEarc~val is a lengthy iarcar_ess that tyrair_ally in~><c~lves ser~uential re>>riew kay r-nulti~ale pec~r~le - frcarrr acccal.~nt hcalc~er-s tra rrlanager tca a~lrninistratcars. Extensive review cycles can delay payments, especially if account holders aretraveling and managers have limited access to dated transaction information. You need a wayto provide your employees with concurrent acce ss to statements so they can view, print, and Statement hilana~aernentfrorn r=entreSuite pay statements online. enables account h~ ~I~Jers, managers, and You also need a way I_aograrn administrators, toaccess real to improve expense time transactions and cornrnereial card management by statements online saviri~~ considerable providing employees time and expense con-~P~ared tc ~ traditional with real-time account paperstatemwntpro~_es`'ir~~~' balance information, What if your account holders and managers could; • Easily retrieve and view statements electronically? • Streamline approval and reconciliation processes by providing authorized employees with instant access to statements? • Access real-time information including cycle- to-date transactions, available balances, credit limits, and authorization approvals and declines? • EI iminatetime-consuming inqu fries to the bank by accessing transaction information and official statement images online? The Product Statement Management -Streamlined Statement Processing A much-needed alternative to paper- based statement process ing, the Statement Management module provides your account holders, managers, and administrators with online access to credit card statement information through a secure connection. In addition to providing official statements in PDF format, Statement Managementfeatures a real- tirne connection to current account inforr-nation including available balances, credit limits, and ~-~ e~ a c~~ ,~ r~, ~~. Y~lJt3 6'Ft1i~F~E~ ltd ~Lbb~6 PAY~E~'P ~Y~AT~~1~~ ,: s,.. 'i o s roe ~ ~.ueYltl" _•~_ri~ °t:ternent t+1 arr;gerr~ent i',+l -:, chile - 6 • ~ j i. ~F. authorization approvals and declines, This means employees can view account information and transactions posted since the most recent statement and monitor transactions that have posted to date and those that have been declined, Nt.,w It Works View an Online Version of the Paper Statement What users see online is the same as whatthey would receive by mail. The Statement Management module provides an exact replica of a paper bill, thus enabling account holders to review their account activity in one location, and in a familiar, convenient format. Streamline Reconciliation Processes Using Statement Management, managers and account holders have concurrent access to statements, streamlining the reconciliation process and eliminating the need to circulate paper statements. Automatic e-mail notifications are sent when statements are available so account holders, managers, and administrators can promptly begin the review process. Control Spending with Real-time Account Activity Managers can access and monitor all account holders'spendingthatfalls withintheir areas ofresponsibility. Real- time access allows for review of account summaries and transaction data posted since the most recent statement cycle. Save Time with Self-service Capabilities With the Statement Management module, you can reduce time spent making inquiries to the ban k's call center. With the convenience of 2417 access to current account information, users can quickly and easily answer their own questions about balances, transactions, payments, and reasons for authorization requests being declined, And, you can immediately retrieve and print official statements without involving the bank. When you do need to contact your bank, simply submit your inquiry directly through Statement Management's "Contact Us" e-mail function, Account Summary Account Number 0009-4201 Statement Closing Date November 29, 2006 Credit Line 10,000.00 Available Credit 9,610.00 Minimum Payment 389.43 Payment Due Date December 20, 200b UUiththe ~kakeitient Management module of CentreSuite, users c n obkain official P~F format statements online. Summary of last Statement Previoiusbalance 884,40 Payments received (889.40) Transaction activity; _ Purchases ~_ 389,40 Cash advances 0,00 late payment fee 0.00 Other#ees ___ 0,010 Finance charges O,OD Credits D,OD ~ Statement ba lance ---- - 3 89,40 ' --------------- - ---- Past dueamount 0, 00 _ Minimum payment due _ _ _ 389.40 Payment due date ~ ,__ 12l2012006~ Rwievv account activity online anytime, anywhere, by :accessing the Statement Management module via a Web brovuser. T~~ LF,~f~~ l~~~.).dE c:r,{~tar:t TSY.S" i5c}ia.{tirarts :~I_)r~asi: ti~~ St:~t~{7t~rat f~ia{7aage{~~aent iVli5c4ulcr ~t+f,?i7C~,644.'7'f5 C)! 6tit)i4{tlDrl~";.3i[?^;f~Y%wyS.Cc_t{11 e`i'6e t?7-.as°~'9'v"%Y~ ( '!e. 5~7 ~1§; uf{~f 1 t 6'a? ` !~?~it S~.F to ., ~ ~s I~t rur.Rl el~?~ Vs t,l.t t' ~:~ril ~, ~~~-i. Il cI 7~~I~I'i l~~i~ it ~ ~. ~, ', ~ i.{~{ I,~I~I ~i : rl is .h.~IIII.{ ... ~ ~-, ~... II ~~.._,Y-~~~{_:~ - ~ ~ ~ ,iii li-i r ". l'i. ~ -~"{ II ~f~~t ., C; ~i r-~ iii., ... i e I,i_r '.,,. illl ~.t"?{..).I,I ,' ~ _ ~, .t', ~ p B '~ ~,'aj ~ € "' ~~, ,~ ~~ '~1 ~~ ~r''~I i ~' ~ i~~~°ia 11 ', '~.i~l~ Keel?ink track of the numerous accol-ant l~lolcler account r-er~uests anal changes in yol-ir- or~anizatic~n can lae overwhelminr~, difficult, anc~ time c~onsurnin~. The need for flexibility and quick response is essential, especially when employees are using cards daily and conducting business worldwide, Having true flexibility means having the access you need atthe moment you need it. Accc,unt (vlanagementfrom Centre Suite You need the ability to setup, monitor, track, and goes aF~o+re and r~evorid to prodide your administrators with the abilitlr to not only change critical account information at your create new accounts and,riew accc,unt information, butto ul_~date into ~rr-nation- convenience.You also on the fly. need the ability to perform account ma intenance without lengthy turnaround times, What it administrators hadthe ability to: • Quickly search for accounts to retrieve vital information? • Create new cornmercia I card accounts online at their discretion? • Instantly increase and change spending limits? • Enable account holders to update their basic account data or address information? - SF~UR R~~°PF~UFi IFd ~6CA®~I. P~Tt~A~R9°Y CS"i€3$YU~I~~ t- The Pra~lurt Account Management -convenient account setup and maintenance The Account Management Module enables your administrators to access and update a wide range of account information including account holder addresses, spending limits, and merchant spending rules. From adding new accounts to instantly increasing credit limits to maintaining existing accounts you can access key information at any point in the process, The Account Management module provides aself-service alternativeto emailing,faxing, or calling the bankforaccount maintenance requests typically handled by program changes.Accountchanges can be made hey anyone granted appropriate application security privileges by the program or system administrator, This means account holders have the ability to update some of their own account information as designated by the administrator {for example, change e-mail address.} r~ +-- U «7 ~~ ~._ fA) -__._ _ ~_ tr r ~ _cntre_:uita;,=,__o~_int i~dlari:~;ernr_rrt P,~h~~clult, Temporary credit limit -reducing misuse and fraud while increasing adoption of purchasing card programs The concern over card misuse and fraud is a key barrier to purchasing card adoption and growth. Temporary Credit Limit offers program administrators additional controls over spending activity -credit is only extended for a specific transaction in a specific amount. The program administrator can review the current status on each request {completed, outstanding, or failed). The credit limit is reset based on one of the following business rules selected by the program administrator; • Specified date • The current balance is with in a certain percentage or dollar amount of the established credit limit • A combination of the firsttwo business rules Additional business logic is applied in those situations where a vendor has an account on file and multiple transactions might be pending, Vendor Notification once a temporary credit line has been established for an approved purchase, the program administrator may want to notify the vendor thatthe transaction can be submitted on the account, As optiona I functiona lity currently in development, RIMS will provide an email notification system that is integrated with Temporary Credit Limit. Hr-rw It Marks Perform program maintenance in real time The Account Management Module a Ilows for areal-time interface with your bank's account management system to facilitate account maintenance and new account requests. Based on user permissions, this capability allows for instant changes tofields such as cardholder address, MCC groups, spending limits,velocity limits, and more. Quickly respond to account holder requests Accountholders frequently require immediate changes-from changing approved vendors to increasing credit Iimits.You need a way to quickly address account holder's needs whether they are at the point of sale or enterta fining clients. Users with the appropriate privileges can view declined authorization requests real time to determ fine which field{s} need to be changed which will allowthe account holder to complete the it transaction quickly with minimal embarrassment. Simplify manual program changes Real-time updates that require manual approval can easily be routed based on the bank's rules and edits. If a user's request does not meet the bank's rules, the request will be routed to a queue where the bank representatives can review requests online. Save time spent managing your card program With the Account Management Module, you gain the control to manage your entire card program in one centralized application, Ratherthan logging out and entering another program to make changes or updates you can manage it all in the same system. W ith CentreSuite`s Account Management module, administrators can view and instantly update account information. r.. 'r '~ i i '%~ .- ~r ,- ~ , ~,: z~ UVith 24-hour, real-kirne access, the Aa.ount M~nagemerrt module provides the flexibility and rnr~trol to rapidly respond to ever d~anging spending needs. fC) I_EA~~~ C~k~ Cc~rttar~t ~ SY~ iSt~lutitrrts :~I:>crut the t"~rrr~art7t {Vl~r7:agf rr~~~nt 1Vlcreltaie at +'1,7[)0.(>~~.371 `i i:l i5C>1litCtsr7.rS~~~yCc?tS}t~.[~tr41 a~~ 3~ [. .~ i3'A~ 0 -~'Irl: P :AYE n.~` { !.~'~!9 LF fire ( c,~n,~,a^diC I~.,:.;, „t _ _ ,,_..,zrn ._ ~ +~~._~1;, ~~'lu._, ~ ~a.14{nil ~C!45~:2u,rq ~ +~15.~~ _ry :> >-l~` -. ft+~L ntinl;~~19~3 _ If tl ii~.~5~1~ ~,i)7 %~J Ir~i<,rrst;~+ic-era ~17syr}t ~, ~'°"" I I(, " ','- I' v .,~~ u ~i- ~ ~ ~ ~ i l I t I `Infc~rrnatican is Eaawer'- he~we~er, when it. cernes try gathering data al~c~ut carr~rnerr_.ial card ~rr~grarns, er~ganizaticans ~~ften facie rY-tajc~r cf-tallenges related tc~ accessing tf-ie right infc~rmatien. Having access to key data is essential, but being able to manipulate, reporton, and integrate it with other systems is equally important, By providing a more structured,job- specificdistribution of information across your organ ization, users can get to the information they need more quickly and efficiently, 'Four organization needs an application that is accessible,flexible, and provides self- service to administrators, managers, and account holders. With Report Nlanager-nentfrom Cenire5uite appropriate access to the offers dynamic self-service tools, enabling information they need your- authorized program administrator _ in the format they need to make vital business information ~raidely it in -employees across accessik,letl-~r,~ughoutyourorganizatior-~, your organization will be empowered to make better business decisions. What if you had a way to: • Access critica I business data in a variety of formats and media? • Quickly search across multiple reports to retrieve relevant information? • Provide managers, administrators, and account holders with access to pre-formatted reports? • Improve self-service by enabling users to access information they need? • Easily export valuable business data to your back-office applications? The Product Report Management Module -flexible, effective reporting Report Management is a powerfultoolthat provides the appropriate people in your organization with online access to expense data - through a variety of formats, Account holders, managers, and administrators can be granted access to numerous reports including standard and processor-generated, as well as database queries, file exports and links to third-party reporting applications, Based on security level and business function, employees gain numerous options to obtain the exact information they are looking for, By making information available online, users can more efficiently manage their own card programs. - S°~IJR ~WEYi9EE lid ~L~E~6 PAYEREtdY EYIIA'PEt~IEE ,._ ~' t`s~`~ s~ointion~ ~ ,.ntr~a.uit~.: f?;h,~rt fVl. r,~1Ear~~~~:i~t Ir1c~-l~_il,; _,~ 'W Y„ Homer It Works Increase Access to Key Data Report Management provides employees in your organization with secure, 2417 access to information that pertains to theirjob. With expanded self-service capabilities,you can effectively distribute data across your organization. Schedule Regular Reports and File Exports Through Report Management's scheduler function, reports and files can be set to run at regular intervals.This allows users to schedule pre-formatted reports such as the Allocation Analysis to be automatically sent to a queue for online review or off-line printing, Files with essential commercial card data can be exported for delivery into your back- office or third-party reporting systems. Reduce Reporting and Administrative Costs ~n line information el iminates the administrative costs associated with receiving, sorting, copying, and distributing essential business reports. Not only are you saving time by having vital data available to you, but your organization will also realize cost savings by eliminating manual reporting methods, With Report P,~anagement, users can easily search through and run various standard reports. 1 -- .~r ~- ~- ~ ~u. --~ ~ ~ ~ ~ l .~ ~ -. ~. , = In addition, users can search through and select numerous processor-generated reports. Jnce a search has been a?mpleted, the report can than be dovanloaded. This functionality provides the abNity to more effectively report on and analyze commercial card prggrams. TC> LE~C~N !`v9~~'E t_:orit,jct T~Y~ iSc}isrt:ir:~s~s :~!?crut ttte Reix~}~[ iviarratiieitt~r~t ivlo<~ule .at -t-1, 7+;)G.b4~k.37'15 tit isa?iasC'soti.e~:aie~e@tyys.a=:or7-s r9~ti 6u~YsY .b 9 "t~@°~ i aL. r-ltuir4°v» ~uv"^.aA{J~ datwtE La'iro7 A~?Ear "m s? ~ N ~a~s dlr~ (v~~~,,.tti.._~zr~~~ ~_ ~, ~,~ I F~_~~i tiZ ~~ ~iu"e ~ ~a4t~,,~i ~,a~r:~~~oa ~ ~~i ~,~a,_~,,a~~ ~ ~~i. u~~ct. e~ir,; ~i ~~r,ca,?sr~,~ ir~fr3rr~a:atior~ 5h~~t '~' ~ ~ ,,. ~ ?~ ~' Since clifferenternployees and departments need access to the sarr-le expense data - for a variety of purposes - yr~u need a flexiL~le and r_omprehensive solution to efFectively manage your or~anizationrs cc~rnrr-lercial carc:~ pro~r-am. The Product The CentreSuite Expense Management module offers broad-based functionality by leveraging advanced capabilitiesfor queries, workflows, reports, and exports. The Expense Management module supports key business functions needed for effective expense managementwith an emphasis on accounting code Expense Mar~agernent from CentreSuite= allocation, expense provides a_ach user a vuide range of capak=~ilities review and approval, to meet their specific business needs, and spend analysis, Accounting code allocation Your organization can define business rules to automatically assign accounting codes to transactions. As a result, the manual effort it takes to lookup the correct codes is eliminated and allocation accuracy is improved, Expense Management accounting code allocation capabilities enable you to; • Define automated allocation rules based on Merchant Category, Account, Unit, and point- of-sale. • Define accounting code segments and the order in which they are applied, including cost centers, departments, and other accounting ledger indicators. • Control manual overrides to automated assignments by providing a list of valid, user- specificaccounting codes to selectfrom, + Manually splittransactions between multiple accounting codes to help ensure individual expenses incurred by multiple departments or cost centers are accurately allocated and recorded, •Achieve seamless integration between CentreSuite and your corporate systems using the CentreSuite Data MappingToolto automatically export transactions. Expense review and approval The Expense Management module enables account holders to review, edit, and submit c~ `a :~ ~~ ~r ~.. ~~ -~. ~ ~: , ~ ,, Y~6lR PAPTt~ER 1~ ~6®®A6 P~Y~9~N`~ ~Y~~'iE~BE~ i at ~ ~ ~ ~i, _ ~i E I 'fa5c: i~4 a~i.:y::+rn~=I'it hvit,rlu~i? ~t, - a~ ~ , - -~ expenses. Italso provides managers with the tools and information necessary to manage all types of card programs. Expense Management review and approval capabilities; • Allow managers to view all transactionsfor all of their employees in one search as well as aggregate totals and export data for analysts, • Enable account holders to view all of their own transactions and line item details, enter notes on transactions, review andlor edit accounting codes, and enter out-of-pocket expenses. The account holder can then create an expense reportand submit for automatic routing and approval. • Provide insight into expenditures by viewing line item details including Level I, II, and III data. When a merchant captures transaction details {for example, sa les tax, hote I folio specifics, descriptions from retail merchant, and segments of an airline trip this data is available for searching, viewing, and exporting In Expense Management. • Automate expense approva I by ranting transactions, reports, and! ar statementsfor approval online. Approvers are automatically notified by e-mailthatexpenses are ready for their review. Approved expenses are then automatically routed to the nextappropriate level, while rejected reports and statements are returned to the submitter for correction. Spend analysis The Expense Management module provides program administrators, finance personnel, and travel and purchasing managers with extensive spend analysis tools. • Query the data base for transactions based on a variety of criteria, format query results for screen viewing, and export results to a desktop or corporate system far further analysis, • Create export files to run automatically on a scheduled basis by using the Expense Management Data Mapping Tool. With this robust tool, users can specify fields and associated lengths and attributes, as well as header, footer, and offset records with the ability to schedule exports to run automatically an a regular basis. • Create, save, and access an unlimited number of custom reports through a simple, stra ightforward user interface. Users can also save queries so that comrnanly performed searches can be chosen from a list. TC} LEA,(~N (`~C?Fi~ t:.,:ar~t,~c:t: T:SY~ iStalirtir~rts at.}rant: tine ~,~}:>ar~se f+llanacfr;tsia:nt (Vlc~rir.ric: at -s-1.ir'7b.'u~l~.;~!'15 crr isia0uutir~t~:,sa1~r::~~gsyra.c:<~m pE 6L Y~~ C25 -"eS„~ iii ~~ 'i. 6H P"z;i e. mF-~~ ~- E"'§,- l~~aa°! ~i~ @01~ ^t @^ ~nrEB e^n,f3c~'Pf~?? € ve,u~a )-..cLi ~ n~'t,i,tiV9U~~3 ~ ;-~-l;t~~1'i,igSfi'~in'~~1 ~ +~1.'~.F.I. ,~~I.~S ~ +1.,U _1. ~~'1r;3 +1.~~5ti~}'<<r,n? e4ddenda to Section 4 Proposal Format Evaluation Procurement Card Services 4.01.01 Safety and Soundness: American Trust & Savings Bank is a 97 year old, locally owned, community bank with 8 locations in Dubuque, Iowa. As a commercial bank, American Trust & Savings Bank has been providing financial services of all types including commercial credit card program administration. Financial information: Included with this response and for your review, are the following documents: *2008 AT Bancorp Annual Report *March 31, 2009 Call Report *March 31, 2009 Uniform Bank Performance Report (UBPR) 4.01.02 Personnel: The City of Dubuque account relationship would be assigned to: Robert I. Peacock, CAMS Senior Vice President 563-589-0819 563-589-0842 fax bpeacock(a~americantrust.com Mr. Peacock is the Senior Development Officer with over 22 years of experience in the financial services industry including over 15 years in bank branch administration. The Procurement Card Services program would be assigned to: Mr. Charles W. Davis Vice President 563-589-0812 563-589-0833 fax cdavis(a~americantrust.com Mr. Davis has over 30 years of banking experience with special emphasis in Credit card program administration and Consumer lending. Our Commercial credit card customer service department employs three professionals who are all trained to provide the City of Dubuque with value added service. By providing client service at the department level, City of Dubuque staff will be speaking with knowledgeable and professional bankers. Should an issue arise requiring additional support or attention, Charles Davis is able to respond. In addition, Robert Peacock is always available to offer support. 4.01.03 Experience: American Trust has partnered with Metavante Card Solutions and TSYS since 1992 for our consumer, commercial and Affinity card programs. We are the local institution that has consistently maintained control of our programs. This has enabled us to provide products we know will benefit our clients and can be well supported locally. For more than a decade, TSYS iSolutions has been a leading provider of commercial expense management solutions. TSYS iSolutions released its first expense management solution for commercial cards in 1991. TSYS iSolutions was one of the first companies to host an online expense management solution with its release of PVS Net in 1997. The first module of CentreSuite was introduced in November 2002 and TSYS iSolutions continues to introduce new functionality through multiple releases scheduled during 2009. TSYS iSolutions, along with TSYS, is committed to providing its partners and their clients with swell-rounded technology solution to support commercial credit cards. We are dedicated to supporting our solutions for the foreseeable future to ensure that they meet expectations and contain functionality that is critical to managing your commercial card portfolio. In addition, we routinely take advantage of technology advancements as they become available, which requires us to introduce new products as opposed to further developing existing products. As such changes occur, we continue to support our legacy products for a significant period to allow our customers to migrate in an orderly fashion to the new platform and benefit from improved technology and application features. CentreSuite is TSYS iSolutions' flagship expense management product and is critical to the company's success going forward . TSYS iSolutions is listed on Visa's web site as one of it's PCI compliant partners. 4.01.04 Customer Commitment: Customer service has always been a critical factor in making American Trust one of Dubuque's premier financial institutions; we intend to continue providing that high level of service. As your financial institution, we will be in frequent contact, verifying that needs are being met and helping to discover solutions to issues that may arise. CentreSuite was designed to be implemented easily and able to grow with your card program. CentreSuite can be configured to meet your immediate needs and as you grow or want to expand your commercial card program, CentreSuite can grow with you. TSYS iSolutions has features and enhancements planned throughout the remainder of 2009 and will continue to enhance the product well into 2010. As CentreSuite is our flagship commercial card platform, continual improvements and enhancements will be applied to the application as new technology and market needs drive these changes. TSYS iSolutions developed CentreSuite and owns all intellectual property. In certain instances, TSYS iSolutions has licensed and integrated certain components used to support CentreSuite. Enhancements are prioritized based on market need and other client factors. As new functionality and features become available, we communicate with the financial institutions and work with them to communicate the changes to the program coordinators. 4.01.05 References: Please feel free to contact any of the following clients: East Central Intergovernmental Association Ms. Kelly Deutmeyer 563-556-4166 Length of relationship: Over 20 years 2. Dubuque Racing Association Mr. Roger Hoeger 563-582-3647 Length of relationship: Over 21 years 3. Dubuque County Treasurer Mr. Eric Stierman 563-589-4436 Length of relationship: Over 30 years 4. State of Iowa -Clerk of District Court Mr. Clay Gavin 563-589-4418 Length of relationship: Over 18 years 5. Dubuque County Recorder Ms. Kathy Flynn-Thurlow 563-589-4434 Length of relationship: Over 40 years 4.01.07 Implementation Procedures A timeline will be provided when we have a greater understanding of the requirements for card design. Implementation of the card program should be 30 days for training and programming of restrictions, privileges, report grouping and access rights that will be set up for each card holder. 4.01.08 Training American Trust will work directly with the assigned personnel from the City of Dubuque, training on the administration and set-up of access rights and security. We will also provide training on the use of the editing model for expense control and online access for daily transactions. 4.01.09 Additional Information: We are proud of the fact that American Trust has maintained local control of its Credit Card services. We feel that by doing so we can better guarantee the quality service and product our clients deserve. While we partner with other quality organizations, such as TSYS iSolutions and their CentreSuite product, we remain the provider and we will be providing the service and processing locally. 4.03 PR®CRAM SPECIFICA`fl®NS AND RESP®NSE F®RM F®R PR®Cl1REMEIVT CARD SERVICES This form is furnished as a convenience to those submitting proposals. The format is also intended to aid in the comparative analysis of proposals. All responses and submittals that are requested in the proposal document but not included on this form should be submitted in the proposer's preferred form and format. SR.1.00 CARD FORMAT Item ID Item Description Yes No Can the following be printed on the front of the card? SR.1.01 The com an name "Cit of Dubu ue" ® ^ SR.1.02 Two-color Cit loo ® ^ SR.1.03 Holo ra hic Cit loo ^ SR.1.04 Name of individual cardholder ® ^ SR.1.05 Name of department to which the cardholder is assi ned ® ^ SR.1.06 The words "For official Cit use onl ® ^ SR.1.07 The words "Tax Exempt" ® ^ SR.1.08 Federal Emplo er Identification Number ^ SR.1.09 No. of printed lines allowed on the front of the card: Can the followin be rinted on the back of the card? SR.1.10 Proposer's toll-free customer service number ® ^ SR.1.11 Can the Cit restrict reference to ATM on the card? ® ^ SR.1.12 Can the card numberin s stem be uni ue to the Cit ^ SR.1.13 Describe all dispute and liability limitations and/or restrictions placed on a department card. See Addenda SR.1.14 Do merchants enerall acce t de artment cards? ® ^ SR.1.15 Describe any issues or known problems with using department cards in the space below. None SR.1.16 Who is the card issuer (Visa, Master Card, etc.) or can the City select the card issuer? VISA City of Dubuque, Iowa Page 20 Request for Proposal of Procurement Card Services SR.1.00 CARD FORMAT SR1.17 List the advantages or disadvantages of the different card issuers. See Addenda SR.1.18 Describe other card options and give additional comments in the space below. See Addenda SR.2.00 CARD USE CONTROLS Item ID Item Description Yes No SR.2.01 Ability to place all controls globally or on individual accounts ® ^ SR.2.02 Ability to limit or adjust dollars charged on a daily basis ® ^ SR.2.03 Ability to limit or adjust dollars charged on a billing cycle basis ® ^ SR.2.04 Ability to limit or adjust number of daily transactions ® ^ SR.2.05 Ability to limit or adjust number of billing cycle transactions ® ^ SR.2.06 Ability to limit or adjust transaction amount ® ^ SR.2.07 Ability to restrict or adjust use of procurement cards at vendors with identified merchant category code(s) ® ^ SR.2.08 Ability to allow use of procurement cards at only those vendors with given merchant category code(s) (opposite of SR.2.07 ® ^ SR.2.09 Ability to restrict use of procurement cards at specified vendor s ® ^ SR.2.10 Ability to allow use of procurement card(s) only at specified vendor(s) (opposite of SR.2.09) ® ^ SR.2.11 Ability to restrict ATM or cash withdrawal from any source ® ^ SR.2.12 Ability to temporarily suspend use of card for a specified period of time ® ^ SR.2.13 Ability to temporarily change dollar limit for a specified time period ® ^ City of Dubuque, Iowa Page 21 Request for Proposal of Procurement Card Services SR.2.00 CARD USE CONTROLS SR.2.14 Describe the procedure used to permanently terminate a card below: See Addenda SR.2.14 Describe other control options below: See Addenda SR 2.15 Describe fraud and identity theft monitoring tools that are in place to provide protection and notification of the City in cases of attempted fraudulent use or spending patterns inconsistent with the norm for a card user. See Addenda .3.00 isut~ Item ID Item Descri tion Yes No SR.3.01 Dis utes are resolved within sixt 60 calendar da s ® ^ SR.3.02 Credits area lied to account immediate) after resolution ® ^ SR.3.03 Hours given to report lost/stolen cards without incurring any liability: SR.3.04 Maximum liability for lost or stolen cards: 0 City of Dubuque, Iowa Page 22 Request for Proposal of Procurement Card Services SR.3.04 What is your procedure for handling lost or stolen cards: See Addenda SR.3.05 What is your procedure for handling disputes: See Addenda City of Dubuque, Iowa Page 23 Request for Proposal of Procurement Card Services SR.4.00 BILLING SERVICES Item I® (tern ®escri ti®rt Yes N® SR.4.01 Billing cycle period not less than twenty-five days nor more ® ^ than thirt -five da s SR.4.02 Variable billing cycles b departments ^ SR.4.03 Flexible assi nment of c cle date to meet Cit 's needs ^ SR.4.04 Payment grace periods (list available terms below): 25 Day Grace Period SR.4.05 Payment frequency (list available frequencies below) Minimum Monthly SR.4.06 List different methods provided for receiving payment. Note your preferred method of receiving payment. 1) Auto Payment from DDA, 2) Internet Banking Payment, 3) Check, 4) Phone Call to Charge Account SR.4.07 A billin statement is provided to each cardholder ® ^ Statement shows the followin SR.4.08 Cycle beginnin and ending dates ® ^ SR.4.09 Date of each transaction ® ^ SR.4.10 Merchant name ® ^ SR.4.11 Merchant cate o code for each transaction ® ^ amount for each transaction ® ^ SR.4.12 Proposer provides overall statement showing total charges ® ^ for the City for the billing period by Department with following detail: Cycle beginning and ending dates Cardholder's name and account number Total amount billed for each cardholder Total charges for each Department Total char es to the Cit for the eriod SR.4.13 Other options available for statements: Statements available electronically and can be printed. SR.4.14 Does our com an offer a rebate ro ram? ® ^ City of Dubuque, Iowa Page 24 Request for Proposal of Procurement Card Services SR.4.15 Attach information and/or schedules of incentives or price breaks offered based on volume, timeliness of payment, rebates or other measures. Label of the information as "Response to Item SR.4.15." SR.5.00 REPORTS Item ID Item Description Yes Ido SR.5.01 On Demand Reports: The City may request that any of the ® ^ following reports be provided within five business days after re uest. SR.5.02 Reports will be available for 120 days after the close of the ® ^ eriod for which the re ort is re uested. SR.5.03 Duplicate statements for a billing cycle, including any card ® ^ holder or summa statement, SR.5.04 Report of transactions for a billing cycle by cardholder fora ® ^ Department group, showing totals by merchant transaction code and then by date for each cardholder. SR.5.05 Report of detailed transactions during a billing cycle, sorted ® ^ by merchant transaction code, for any individual cardholder. SR.5.06 Report of detailed transactions during a billing cycle, sorted ® ^ by merchant transaction code, for any Department group. SR.5.07 Quarterly report of total dollar amount of transactions fora ® ^ Department group showing the total for each cardholder in the Department group sorted by cardholder. SR.5.08 Quarterly report of total dollar amount of transactions fora ® ^ Department group showing the total for each cardholder in the Department group sorted by merchant transaction code. SR.5.09 Quarterly report of total dollar amount of transactions for the ® ^ City showing the total for each Department group sorted by Department group. SR.5.10 Quarterly report of total dollar amount of transactions for the ® ^ City showing the total for each Department group by merchant transaction code. SR.5.11 Annual report of total dollar amount of transactions fora ® ^ Department group showing the total for each cardholder in the Department group sorted by cardholder Fiscal year report of total dollar amount of transactions fora ® ^ Department group showing the total for each cardholder in the De artment rou sorted b cardholder City of Dubuque, Iowa Page 25 Request for Proposal of Procurement Card Services SR.5.12 Annual report of total dollar amount of transactions fora ® ^ Department group showing the total for each cardholder in the Department group sorted by merchant transaction code. Fiscal Year report of total dollar amount of transactions fora ® ^ Department group showing the total for each cardholder in the Department group sorted by merchant transaction code. SR.5.13 Annual report of total dollar amount of transactions for the ® ^ City showing the total for each Department group sorted by Department group. Fiscal Year report of total dollar amount of transactions for ® ^ the City showing the total for each Department group sorted by Department group. SR.5.14 Annual report of total dollar amount of transactions for the ® ^ City showing the total for each Department group by merchant transaction code Fiscal Year report of total dollar amount of transactions for ® ^ the City showing the total for each Department group by merchant transaction code SR.5.15 1099 report. ^ SR.5.16 Merchant summary analysis. ® ^ SR.5.17 Report summarizing account statement exceptions fora ® ^ billing cycle. SR.5.18 Report summarizing transactions to local vendors. A list of ® ^ zip codes for such vendors will be provided. SR.5.19 Automatic Reports: The City may request that any of the ® ^ above reports be furnished automatically rather than or in addition to on-demand. City of Dubuque, Iowa Page 26 Request for Proposal of Procurement Card Services SR.6.00 ONLINE WEB SERVICES Item I® Item ®escri tion Yep No SR.6.01 Is online Web services provided for administration of the Cit 's procurement card? ® ^ Are the following functions available to card administrators through Web services? SR.6.02 Re uest new cardholders ® ^ SR.6.03 U date account information for existin cardholders ® ^ SR.6.04 U date restrictions or limits for existin cardholders ® ^ SR.6.05 Inactivate or terminate existin cardholders ® ^ SR.6.06 Temporarily suspend card privileges for a specified period of Time ® ^ SR.6.07 What is the wait time for online transaction updates to take effect ? Minutes Hours Da s SR.6.08 View cardholder statements ® ^ SR.6.09 Print cardholder statements ® ^ SR.6.10 Enter and track status of dis utes ® ^ SR.6.11 Can different levels of access (full control, view only, etc.) be defined b individual? ® ^ SR.6.12 Can administrators' access be restricted to a group of individuals? ® ^ Can individual cardholders view their account information to include the followin ? SR.6.13 View their account information such as name, department, billing address, etc. ® ^ SR.6.14 View their card rofile restrictions, limits, etc. ® ^ SR.6.15 View their dail transactions ® ^ SR.6.16 View their billin c cle statement ® ^ SR.6.17 Print month) statements ® ^ Are the following types of reports available to users based on user access level? SR.6.18 Cardholder information to include restrictions, limits, status, etc. ® ^ SR.6.19 Transaction reports b cardholder ® ^ SR.6.20 Transaction re orts b de artment/cost center ® ^ SR.6.21 Transaction re orts b merchant ® ^ SR.6.22 Transaction re orts b merchant cate o code ® ^ SR.6.23 Transaction re orts listin urchased item details for ® ^ City of Dubuque, Iowa Page 27 Request for Proposal of Procurement Card Services those merchants rovidin the information SR.6.24 Are users allowed to enter their own sort and selection ® ^ criteria when eneratin re orts? SR.6.25 Attach to this proposal copies of sample reports available through online access. Label the sam les as "Res onse to Item SR.5.25." SR.6.26 Can users (based on their access level) download ® ^ transaction information (merchant, date, amount, MCC, account) and transaction detail (purchased item information) to desktop application such as Microsoft Excel, Access or Word? SR.6.27 Can transaction be downloaded in comma separated value ® ^ CSV or fixed len th ASCII formats? SR.6.28 How quickly are transactions available online? (please state you answer in hours) Hours: 4-48 hours Please list factors that may affect how quickly transactions are available: Time and day of transaction SR.6.28. Processor engages a PCI-approved Qualified Security ® ^ 5 Assessor (QSA) to conduct a review of their information security procedures and scan their Internet points of presence on a regular basis. If yes provide details regarding QSA and assessments and proof of certificate of validation. SR.6.29 Can the transaction file interface with the Finance Plus 4.x ® ^ Procurement Module? If not, can file format be changed to interface with Finance Plus 4.x Procurement Module? SR.6.30 Attach detailed information with your proposal regarding the Web services you provide. Label the information as "Response to Item SR.5.29." SR.7.00 OTHER CARD SERVICES Item I® Item ®escription Yes No SR.7.01 Is 1099 tax information collected and provided to the City in an electronic format? ^ SR.7.02 Does your company assign as specific (named) account re resentative to handle the Cit 's account? ® ^ SR.7.03 Does our com an offer a trainin ro ram for cardholders ® ^ City of Dubuque, Iowa Page 28 Request for Proposal of Procurement Card Services and card administrators regarding card usage and online Web services? If there are any costs for training services, please make sure they are listed on the Cost of Services Schedule SR.8.00 SR.7.04 State how many hours of training are provided free of charge: See Add end SR.7.05 Please include detail information with your proposal regarding the rebate program offered by your company to include thresholds, method of calculation, percentage return. Label the information as "Response to Item SR.6.06." SR.7.06 Describe in detail any other "value added" services that may not be requested herein that would be available if your firm is the successful Proposer. If there are any costs associated with these services, please make sure they are listed on the Cost of Services Schedule (SR.8.00). SR.8.00 PROGRAM REQUIREMENTS Item ID Item Descri Lion Yes No SR8.01 Please provide any hardware/software requirements necessary for implementation of your card program. If none, please state so. Internet Explorer 6.0 or 7.0 SR8.02 Are there one-time fees included with your proposal? If so, ^ you must identify and include all fees on the Cost of Services Schedule. SR.8.03 Are there any ongoing fees included with your proposal? If ® ^ so, you must identify and include all fees on the Cost of Services Schedule. City of Dubuque, Iowa Page 29 Request for Proposal of Procurement Card Services SR.9.00 COST OF SERVICES SCHEDULE Describe in detail all fees or other costs to the City that would be associated with your proposal. All fees and costs associated with the program shall be stated in your proposal; the City of Cedar Rapids will not pay any "extra" fees. If there is no cost associated with the service, enter `None' in the Cost column. Item ID Description Fee Period (annual, month) ,etc. Cost SR.9.01 Account setu fees None SR.9.02 Annual account fees See Addenda SR.9.03 Annual card fees None SR.9.04 Transaction fees None SR.9.05 Web services fees None SR.9.06 Late payment percents e SR.9.07 Software license fees None SR.9.08 Maintenance fees None SR.9.09 Trainin fees None SR.9.10 Consultation fees None SR.9.11 Card re lacement fees per card $5.00 SR.9.12 Fraud rotection fees None Please identify any other required fees on the lines below: SR.9.13 Over Limit Fee per occasion $15.00 SR.9.14 Late Charge Fee per occasion $15.00 SR.9.15 SR.9.16 SR.9.17 SR.9.18 SR.9.19 Please identify other fees for optional "value-added" services on the lines below: SR.9.20 SR.9.21 SR.9.22 SR.9.23 SR.9.24 SR.9.25 City of Dubuque, Iowa Page 30 Request for Proposal of Procurement Card Services Addenda to Section 4.03 Program Specifications and Response Form For Procurement Card Services SR.1.05 Department name may be available to be embossed under employee's name. SR.1.13 As a VISA card there are no additional limitations and or restrictions for liability or disputes beyond the rules and regulations in place in the VISA bylaws. You continue to receive $0.00 liability for unauthorized use of the VISA card. SR.1.17 VISA and MasterCard are accepted at more locations than either Discover or American Express. SR.1.18 You will have the ability to determine the design used for your cards. We currently have cards designed for Clarke College using a line drawing of the Atrium and Loras College with a Duhawk in the Purple and Gold of Loras. SR_214 You can permanently terminate a card by either using the online feature as administrator at any time, by contacting American Trust Card Service Representative or calling an 800 number. SR.2.14 Your assigned Administrators will be able to temporarily suspend a card, reduce the limit or request greater limitations for the account in the form of lower authorized transactions or greater restrictions of vendors approved. SR.2.15 We use a behavioral model for security that will detect transactions that are out of the users' normal purchasing pattern. The city has $0.00 liability for unauthorized use of the account. SR.3.04 When a card has been reported lost or stolen, we verify the last transactions, report, when and if possible, where the card was lost or stolen and close the account to further transactions immediately. New cards with a new account number are sent to the client. SR.3.05 We will request disputes be in writing. We will assist in the beginning the process and following up on progress for resolution with our Dispute Resolution Center. SR. 4.03 Currently, we offer two cycle dates which are the 15t" and 25th. We anticipate offering additional date flexibility in the future. SR. 5.00 See enclosed Catalog of Standard Reports SR. 5.03 Can reprint electronic statements at any time. SR. 5.04 How will Departments be defined? R ~ 1 ~, 1099 flag ability is only at bank processor level, no separate ability to flag merchants as 1099. SR. 5.17 Unsure what comprises "statement exceptions." SR. 5.18 Can do by City name. SR. 5.19 Scheduler is available to automatically schedule reports to run and email person who runs report. SR. 6.02 If American Trust & Savings wants to provide this ability through CentreSuite. SR. 6.07 Minutes. SR. 6.18 This report is normally restricted to Administrators, but can be granted to the cardholders. SR. 6.25 Attached Catalog of Standard Reports. SR. 6.26 Text files that can be converted. SR. 6.28 Minutes. Transactions can be downloaded via Real Time. Standard reports are available after midnight of the transaction occurring. SR. 6.29 If Finance Plus 4.x will accept a formatted text file for upload. SR.7.04 There will be no charge for administrative and initial training of cardholders. SR.7.05 "Response to item SR.6.06" Rebates are available based on annual spending. See below for rebate proposal. SR.9.00 Cost of Services Schedule Fee Annual Fee $1,500.00 $500.00 $0.00 Spending Level $0.00 to $499,999 $500,000 to $999,999 $1,000,000 Cash Rebates Available .25% $2,000,000 - $3,499,000 .50% $3,500,000 - $3,999,999 .75% $4,000,000 - $4,999,999 1.00% $5,000,000 TL TN T Ten standard reports are available to help you interpret transaction and account data. Users enter reporting criteria to focus the scope of these reports. After the application generates the report with the data specific to your requirements, you can download the report in a variety of output formats for further analysis. Read the following for complete information on the standard reports . Report Name Description Page 1500 Detail or summary of transactions by their assigned 2 Allocation Analysis Report allocation code over a specified date range 1 ZZO Form for disputing a card transaction 8 Cardholder Dispute Form 5080 An unformatted file of accounts with their 11 Cardholder Profile Report authorization and allocation values 3120 Lists card and out of pocket transactions in the 15 Expense Report account holders' expense reports 6100 Detail or summary of all transactions sorted by 19 Merchant Report selected merchants 1600 Purchases that may have been split between multiple 25 Multiple Transaction Exception receipts that exceed the single purchase limit Report 7010 Detail of changes made in Manage Accounts 30 Program Change Request Audit Report 1200 List card transaction and diverted transaction 35 Statement of Account Report information for accounts over a specified date range 1710 Detail or summary of all transactions made by 40 Transaction Report account holders 5100 Details information about user logons for the online 48 User Profile Report card management application including security access and approver profile data PT 1 CEO: Allooo~ior~ nl~sis report This report lists transactions by their assigned allocation code over a specified date range. The report is available in a detailed transaction version or in a summary version. The transaction version displays a list of every transaction assigned to the allocation string. The summary version displays the total number of transactions, and total amount assigned to each allocation string. Using this Report Use the Allocation Analysis report as you reconcile transactions and their allocation values with an export file. By default, this report includes card purchases, cash advances, cash advance fees, convenience checks, and traveler checks. Note: A split transaction appears within the appropriate allocation string. The whole or "parent" transaction does not appear on the report. Reporting Criteria Required Criteria You must specify the following criteria to run this report: . Date Type You can specify either the date the transaction posted or the date it occurred. . Date Range You can run this report for the last month, the current month, or for a custom date range. . Unit or Account search criteria Note: Searching by account allows you to select individual accounts. Searching by unit selects all accounts under the selected unit. Summary or Detail report view Optional Criteria You can choose to use the following criteria as you generate this report: Display field label Display totals ® Print a summary of the report criteria . Include message in the report header . Include additional transaction types: You can include finance charges, late fees, out-of-pocket transactions, payments, and returned check fees. Summary Features The summary version of this report includes the following features: . Allocation Code Key . Number of transactions per allocation code Total amount per allocation code ® Total number of transactions reported Total allocation amount reported RPT 1500. Allocation Analysis report 2 Detail Features The transaction version of this report includes the following features: Allocation Code a Allocation Code Key ® Account Number a Account Name ® Diversion Account Merchant Split indicator (Yes/No) Date Occurred a Date Posted a Amount allocated o Transaction count per allocation code for date range ® Total amount per allocation code for date range Formatting Options This report has the fallowing formatting options: Display allocation field labels ® Display grand total ® Print criteria page o Include a message in the report header Output Options You can export this report to the following file formats: PDF- Adobe Acrobat Portable Document Format file Excel- Microsoft Excel-ready CSV file (Transaction version only) Note: The Allocation Analysis report is best viewed as a CSV file. Break Point/ Data is sorted in the following order: Sort Order 1. Allocation code (transactions not assigned to any allocation code appear first) 2. Account name and number 3. Transaction posted date 4. 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V' O N g O d O y a •A N N ("') !A (a O C ~ O a O O) e t O C O .E ~ ~~ R U7 N U ~ O O T uj ® Y = O O .O ~ y c c a ~ ~ ~ H w C O co V N N 'y O O ' M Q) d ~ ® '~ v ® Q p7 ~ ~ ro ii A ~ a E U N e U m U n O C ~ o Q C7 ~ C CG G -~ O In cD 3 U M ~ O N O O d °B V C d O U C O C C a0 M ~ In N_ O ~ ~ ~ F' ~ ® Q o .ia U ® Q O m C O r O o tf7 M ~ O o Ln V' ~ 7 0 m a v 0 0 N cD ~ N (n N N ~ N N N N p rrrr o 0 0 v F°- U °o o ? N ~ ~ ~ - ~ ~ _ _ ~ O ~ ~ ~ a 0 G d c o .. Z ui Q ~ n N O d N O m ~^ ~ m N (9 O F'-' a ~ VJ ,N - ;n L ` E E L J ~ N M N ~ ~ C ~ ~ Z Z C Q C m ~ O y ld ~ U ~ C C O _ G O L N ` C M d' ~ ~ O C O O U N N C N O O O o ~ ~p .. U U N .L . ° = o N ~ o Q 1- ~ Q Q ~ 'O ~ Z o ~ ~ 'O c0 ® a+ r .~ ~ U ~ ~ ~ ~ ~ O N E ~_ 'C .N.. f$ VJ r UO O T V O) ~ 3 0 ~ V ~` N w N F- , N A N O (Q ~ :N t°r> ~ ani ~ a~i ~° oa °a ~aci)F- ~ aa` ~ a~ m P ~ ~ ~- ~ ~ C~ ~ t- I- o o a S in ui RAT 1 Z2®: Cardholder i~~e form This report creates a form that cardholders can use to dispute a card transaction. This report creates a form that is specific to a single transaction dispute. Using this Report Use the Cardholder Dispute form to initiate a dispute with a bank over a posted card transaction. This report creates a form that assists you in the transaction dispute process. Supporting documentation may be required to file a dispute. Save this report for future reference until your dispute is settled. Note: You cannot schedule this report. Reporting Criteria Required criteria You must specify the following criteria to run this report: ® Account . Transaction Note: By selecting a transaction for this form, the transaction is automatically flagged as disputed. ® Dispute amount . Dispute reason Optional criteria You can choose to use the following criteria as you generate this report: ® Cardholder information: Email Phone Fax Dispute type . Phone ® Address (two lines) City and State/Province . Country Postal Code . Submit on behalf of cardholder option: Name Phone Email Relationship to cardholder Features This report includes the following features: ® Cardholder information, including: Name Account number Phone number Email address Fax number . Merchant information, including: Name RPT 1220.• Cardholder Dispute form 8 Features Phone number Address (continued) Transaction Information, including: Reference number Transaction date Post date Transaction amount Disputed amount ® Instructions for disputing the transaction using this form, including: Cardholder information Transaction Dispute information Required supporting documentation . Dispute reason Type of dispute Provide documentation instructions Formatting Options This report has no formatting options. Depending on the selected criteria, the report automatically generates different formats. Output Options You can export this report to the following file formats: . PDF- Adobe Acrobat Portable Document Format file HTML- Hypertext Markup Language file Note: The Cardholder Dispute form is best viewed as a PDF file. Break Point/ Not applicable. This report contains information about a single transaction. Sort Order RPT 1220. Cardholder Dispute form 9220 Cardholder Dispute Form Run By: Kelly Smith Run Date: 10/28/2004 3:28:15 PM CAR®FIOL®ER ®ISPl1T'E FORM CARDHOLDER INFORMATION Linda Wiliams Phone: 303-555-1111 Fax: T PdSACI'IOIV INF®RMATION Merchant: MICHAELS #9851 Email: Iwilliams@companyname.com Phone: Tran Date: 5/2/2004 Post Date: 5/4/2004 DISPUTE INFORMATION Reason for Dispute: I never authorized this transaction Provide: REQUIRED SUPPORTING DOCUMENTATION':. Contact your bank representative for information on where to send the supporting documentation. Required Supporting Documentation have a question, contact your bank representative. SIGNATURE BLOCK Cardholder: Linda Williams I am initiating this dispute on the behalf of the cardholder Name: Relationship to cardholder: Phone: Email: Acct#:1001222233331237 Reference #: 24610433213004003564549 Tran Amt: $15.42 Dispute Amt: $15.42 Type of dispute: Travel Signature PT t3. cardholder Profile reor~ This report lists cardholders' address and authorization parameters. This report is helpful for account auditing and comparative analysis. Using this Report Use the Cardholder Profile report to view address information and authorization parameters for the accounts in your hierarchy. You can run this report for individual accounts, for accounts in a selected unit, or for all accounts in an organization. Review the information listed in this report for a general inventory of your accounts or for specific auditing purposes. Reporting Criteria You must specify the following criteria to run this report: Organization Search for Unit or Account Note: Searching by account allows you to select individual accounts. Searching by unit selects all accounts under the selected unit. Account Search by options- Accountnumber, Account name, Unit name, or Unit Level search criteria Unit Search by options- Unit name or Unit number a Include diversion accounts Features This report includes the following features: Account number a Cardholder name a Cardholder organization a Cardholder address including: Address lines 1 and 2 City and State/Province Postal Code Country Cardholder phone number a Cardholder email address a Cardholder Social Security Number or financial institution custom identifier a Cardholder employee ID ® Type of account ® Date card opened Date last transaction was made Current account status Account unit location hierarchy levels 1 to 12) e Account authorization parameters Account MCC group parameters Formatting Options Unit name e Unit number RPT 5080: Cardholder Profile report 11 Output Options You can export this report to the following file formats: e Excel- Microsoft Excel spreadsheet file ® CSV- Comma Separated Values file Break Point/ Data is sorted by Account Number Sort Order RPT 5080: Cardholder Profile report 12 Account Name on Embossed --- number Account Linen Address line 1 Address line 2 City` State 123456******1111 KATHERINE RM BUSINESS 123 WEST OAK SUITE 200 DENVER CO RIVERA SERVICES STREET 123456******1112 JAMES SMITH RM CORPORATE 123 WEST OAK SUITE 300 DENVER CO OPERATIONS STREET 123456******1113 PATRICIA RM CORPORATE 123 WEST OAK SUITE 300 DENVER CO JOHNSON OPERATIONS STREET 123456******1114 LINDA WILLIAMS RM CORPORATE 123 WEST OAK SUITE 300 DENVER CO OPERATIONS STREET 123456******1115 MICHAEL JONES RM CORPORATE 123 WEST OAK SUITE 300 DENVER CO OPERATIONS STREET Postal Code Work Phone Email CC email BCC email. 80401 303-216-4040 sales@procard. com 80401 303-216-4039 80401 303-216-4011 80401 303-216-3911 80401 303-279-2255 sales@procard. com Sociat Security Number Employee ID Type of Account Date Card Opened Last Transaction Date Current Account - Status 0 33 6/1/2002 5/20/2004 0 33 8/6/2003 5/9!2004 0 33 10/10/2003 5/25/2004 M9 0 33 5/25/2002 5/21 /2004 0 33 2/10/2004 5/14/2004 0 33 7/15/2003 5/18/2004 M9 Heirarchy Heirarchy Heirarchy Heirarchy Heirarchy Heirarchy Level ! Level 2 Level 3 Level 4 Levels Level 6 1st Bank of RM Global Executive Marketing Home office Corporate- IT Demo (1041) Trans (000061) (000078) (000071) (000083) (000086) 1st Bank of RM Global Finance Operations Home office Corporate- IT Demo (1041) Trans (000061) (000077) (000073) (000083) (000086) Information 1st Bank of RM Global Technology Corporate Home office Corporate- IT Demo (1041) Trans (000061) (000076) (000066) (000083) (000086) 1st Bank of RM Global Finance Field office Demo (1041) Trans (000061) (000077) Fleet (000079) (000084) 1st Bank of RM Global Finance Operations Home office Corporate Demo (1041) Trans (000061) (000077) (000073) (000083) (000085) Heirarchy Level 7 Meirarchy Level 8 Neirarchy LeveF 9 Fieirarchy Level 10 Heirarchy ' Level 11 lieirarchy Level 12 Corporate Fleet (000087) Corporate Fleet (000087) UK Operations (000088) RM Sales Office (000089) Purchase (000090) Card Limit Aamount Cycle Limit Amount Cycle Number of Transactions Single Purchase Limit Amount. ' ;Daily Limit Amount Daily Number of Transactions 25000 0 9999 2500 0 999 5000 0 9999 500 0 999 5000 0 9999 500 0 999 5000 0 9999 500 0 999 5000 0 9999 500 0 999 Monthy ' '.Number of ' Monthly Limit Transactions MCC Group 1 MCC Group-2 ' MCC Group 3 'MCC Group 4 991 991 __ Master Accounting MCC Group 5 MCC Group 6 MCC Group 7 MCC Group 8 MCC Group 9 Code Allocation Field Columns Purge Flag Active Active Active Active Active RT ~ 0; xp~~se report This report lists the card and out of pocket transactions in account holders' expense reports. You can use this report to create a report that includes an individual expense report, a summary of selected expense reports, or to provide a full detail of all expense reports within a selected account or unit over a period of time. For example, you can choose to generate the Expense report to show an individual account holder's expenses during his or her last business trip, or to show all the expense reports for the Sales department submitted for approval last month. Note: The example provided shows how the report appears when you search for individual accounts, followed by an example of how the report appears when you search for all accounts in selected units. Using this Report Use the Expense report to analyze out of pocket and card transactions attached to account holders' expense reports. Expense reports contain transactions relevant to a specific business purpose. A common use of expense reports is to enclose all the transactions for a business trip or event. This report displays information specific to selected expense reports within a selected accounts or units. You can print a criteria summary page for your records. Report Criteria Required Criteria You must specify the following criteria to run this report: Selected accounts Click Change Accounts to select the accounts or units to include in the report. You can search for either accounts or units and combine individual accounts and all accounts within a unit in the report criteria. Account or unit search Using options- Accountnumber, Account name, Unit name, or Unit Level search criteria Search Value (Account or Unit name or number)- Note: This filter is only required if you choose to search for accounts. It is optional if you choose to search for units.When you perform a unit search, you navigate through the unit hierarchy until you find the unit you want in the report. Select Include Subunits to include all units under the selection in the report. a When you are done selecting accounts or units, click Save and Return. Status Choose one or more expense report statuses to include in your search for expense reports. • Status date range You can search for expense reports in the selected status for the, the last 10 days, the current month, the previous month, or for a custom date range. Note: The status date range works in conjunction with the selected Status check boxes to search for expense reports. a Selected expense reports Click Search to find the expense reports matching your criteria. From the available list, select the check boxes next to the expense reports you want to include in the report and click Add to Search. RPT 3120: Expense report 1,5 Report Criteria Optional Criteria (continued) You can choose to use the following criteria as you generate this report: ® Print a summary of the report criteria option ® Include a note in the report header Display transaction description o Display line item detail Display parent transaction total and split amounts Features This report includes the following features: ® Expense report ID Account (first six characters are masked) ® Expense report name a Summary information including: Start and End dates Grand total Expense report description Destination (if applicable) Current status Status date Approver user name Location of approver in the hierarchy Description Card Transaction information The following information is listed for every card and out-of-pocket transaction attached to the selected expense reports: Date occurred Date posted Merchant name Notes/Description Allocation values Split information Original amount Settlement/Split amount ® Expense Report History e Expense Report Summary The following information is listed for each expense report: Company paid Amount due from employee e Report criteria summary (if applicable) Formatting Options This report has no formatting options. Output Options You can export this report to the following file formats: ® PDF-Adobe Acrobat Portable Document Format file Break Point Each expense report begins on a new page. RPr 3120: Expense report 16 Report 3120 ~p~$ Run Date: 7/1/2008 Run by: system Time:12:03 pm Cardholder Name: SAM BRICE(123456******2222) Current Status: Pending Approval Expense RepordlD: 0000111111 Date: 4/7/2008 6:23:00 AM Expense Report Name: New bank client Curren4 Recipient: Pat Smith Location: CORP INC* (00012345) Summary Information Date Range: 12/2/2007 - 4/3/2008 Card Transactions: $851.69 Description: new bank trip Out of Pocket Transactions: $8.00 Grand Total: $859.69 Card Transactions Date Occurred Date Posted Merchant Original Amount Settlement Amount Description Allocation Split Amount 2/11/2008 2/13/2008 CONTINENTAL 0057187636883 $189.50 airline ticket Passenger: Ticket: Travel Date: Travel Leg: BRICE/SAM 0057187636883 EWR CO U DEN 2/11/2008 2/13/2008 UNITED AIR 0167187636882 $209.50 Airline ticket Passenger: Ticket; Travel Date: Travel Leg: BRICE/SAM 0167187636882 DEN UAW EWR 2/12/2008 2/13/2008 ABC INC 7187636882 SALE $21.00 PurchaselD 02293264 travel agent fee 2/12/2008 2/13/2008 ABC INC 7187636883 SALE $21.00 PurchaselD 02293265 Travel Agent fee 2/21/2008 2/25/2008 FAMOUS FAMIGLIA-AIRPOR $16.64 Lunch 2/22/2008 2/25/2008 COURTYARD BY MARRIOTT-BKR $251.85 PurchaselD 126 22020 Hotel Check-In: Check-Out: Number of Days: Room Rate: 2/21/2008 1 $0.00 2/22/2008 2/25/2008 HMSHOST-CLT-AIRPT #0630 $8.23 PurchaselD 000063080 breakfast 2/22/2008 2/25/2008 DIA PARKING $36.00 PurchaselD 05301171 Page 1 of 2 Report 3120 ~r'~~~ Run Date:7/1/2008 Run by: system ProcardSetup Time:12:03 pm airport parking 2/22/2008 2/25/2008 HERTZ RENT-A-CAR $97.97 PurchaselD 586850375 car rental Renter: Agreement Number: Check-Out: Check-In: Return Location: Number of Days: BRICE/SAM 586850375 2/22/2008 Card Transaction (Posted) Totals Count: 9 Total: $851.69 Out of PocketTransactions Date Occurred Date Posted Merchant Original Amount Settleme nt Amount Description Allocation Split Amount 2/22/2007 2/22/2007 E-470 $4.00 tolls from airport to home 2/21/2008 2/21/2008 E-470 $4.00 tolls from home to airport Out of Pocket Expense Totals Count: 2 Total: $8.00 Expense Report History Status Date/Time User Name Business Unit Notes Unsubmitted 4/3/2008 10:36:00 AM Sam Brice CORP INC' Submitted 4/3/2008 11:02:00 AM Sam Brice CORP INC' Approved 4/7/2008 6:23:00 AM Bill Hill CORP INC" Pending Approval 4/7/2008 6:23:00 AM Pat Smith CORP INC' Expense Resort Summary Amount due to employee $859.69 Company Paid Page 2 of 2 ~~ 6 0. I~fer~~ repo This report lists transaction data sorted by the merchants at which selected cardholders have made transactions. You can use this report to see where cardholders are making transactions, monitor spending at preferred vendors, or see how much is being spent within merchant categories. The report is available in a detailed line-item transaction view or a summary view. Using this Report Use the Merchant report to monitor and evaluate cardholder transactions by MCCs or merchants. This report includes both debit and credit transactions. However out of pocket and payment transactions are not included on this report. You can choose to run this report for all MCCs, specific MCCs, all expense types, specific expense types, all merchants within a specified MCC, or for a specific merchant. The report automatically removes the duplicate records from the report if your reporting criteria selects the same merchant more than once. Reporting Criteria Required Criteria You must specify the following criteria to run this report: o Date Type: Date posted Date occurred Date flange You can run this report for the current month, the previous month, or for a custom date range. Unit or Account search criteria Note: Searching by account allows you to select individual accounts. Searching by unit selects all accounts under the selected unit. Summary or Detail report view Optional Criteria You can choose to use the following criteria as you generate this report-------------- ® Print a summary of report criteria e Include a note in the report header ® MCC/Expense Type search criteria Note: If you do not choose to filter by MCC/Expense Types, the report displays data for all MCC/Expense Types. Merchant search criteria Note: If you do not choose to filter by Merchant, the report displays data for all merchants in the selected MCC/Expense Types. Summary Features The Summary version of this report includes the following features: a Report Header e Unit information a Merchant name and MCC a Merchant summary: Merchant total Transaction count Net amount RPT 6100: Merchant report 19 Summary Features Unit summary: Unit total (contiuned~ Transaction count Net amount ® Report summary: Report total Report transaction count Report net amount Detail Features The detail version of this report includes the following features: Report Header e Unit information ® Transactions a Merchant name and MCC Cardholder summary: Cardholder name and number Transaction count Net amount Merchant summary: Merchant total Transaction count Net amount a Unit summary: Unit total Transaction count Net amount ® Report summary: Report total Report transaction count Report net amount Output Options You can export this report to the following file formats: PDF- Adobe Acrobat Portable Document Format file Excel- Microsoft Excel spreadsheet file o HTML- Hypertext Markup Language Web file Note: The Merchant report is best viewed as a PDF file. Break Point/ Data is sorted in this report by merchant then by unit processor key number. The Sort Order pages are broken by unit so each unit's data is on its awn page. After sorting by processor key number, the report sorts transactions within the unit by the following: ® Merchant short name ® Merchant location ® Account Name and Number e Merchant name RPT 6100: Merchant report 20 Card and Expense Management 6100 Merchant Report Run by: ProcardSetup Report run: 11/5/2004 10:12:02 PM Date range: Posted 5/1/2004 - 5/31/2004 Notes: Merchant report for May, 2004. INFORMATION TECHNOLOGY (00000076) Merchant Name/ Total Number of Location Cardholder Name Account # MCC Transactions OFFICE DEPOT MERIDIAN, ID 5943 JOSEPH KNAPP ******2233331287 1 MARK LEWIS ******2233331286 1 OFFICE DEPOT Total 2 MICHAELS SACRAMENTO, CA 5331 LINDA WILLIAMS HERTZ RENT-A-CAR LAS VEGAS, NV MARK LEWIS GIT-N-GO SPRINGFIELD, MO DAVID DAVIS ENTERPRISE RENTACAR SANTA ANA H, CA LINDA WILLIAMS ALASKA AIR SEATTLE, WA RUTH MARTINEZ INFORMATION TECHNOLOGY (00000076) Total ******2233331237 MICHAELS Total 3357 ******2233331286 HERTZ RENT-A-CAR Total 5541 ******2233331241 GIT-N-GO Total 3405 ******2233331237 ENTERPRISE RENTACAR Total 3256 ******2233331252 ALASKA AIR Total 1 1 1 1 1 1 1 1 1 1 7 Page: 1 of 2 Net Amount $31.79 $5.08 $36.87 $15.42 $15.42 $125.83 $125.83 $10.00 $10.00 $106.68 $106.68 $36. $369.90 $664.70 Card and Expense Management 6100 Merchant Report Run by: ProcardSetup ~rt run: 11/5/2004 10:12:02 PM Date range: Posted 5/1/2004 - 5/31/2004 GRA(dD TOTAL Report Criteria Summary Date range: Posted 5/1/2004 - 5/31/2004 Detail level: Transaction Print criteria summary on the last page: Yes Include a header note: Yes Merchant report for May, 2004. Selected MCCs: Selected Merchants: Page: 2 of 2 $664.70 Selected accounts: Selected units: INFORMATION TECHNOLOGY 00000076 Card and Expense Management 6100 Merchant Report Run by: ProcardSetup Report run: 11/5/2004 10:04:16 PM Date range: Posted 5/1/2004 - 5/31/2004 Notes: Merchant summary report for May, 2004. iNFORMATioN TecHNOCOCY ~o0oooo7s~ Merchant Name Merchant Location OFFICE DEPOT MERIDIAN, ID MICHAELS SACRAMENTO, CA HERTZ RENT-A-CAR LAS VEGAS, NV GIT-N-GO SPRINGFIELD, MO ENTERPRISE RENTACAR SANTA ANA H, CA ALASKA AIR SEATTLE, WA INFORMATION TECHNOLOGY (00000076) Total Total Number of MCC Transactions 5943 2 5331 1 3357 1 5541 1 3405 1 3256 1 7 Page: 1 of 2 Net Amount $36.87 $15.42 $125.83 $10.00 $106.68 $369.90 $664.70 Care9 anti Expense Management 6100 Merchant Report Run by: ProcardSetup rt run: 11/5/2004 10:04:16 PM Date range: Posted 5/1/2004 - 5/31/2004 GRAMD TOTAL Report Criteria Summary Date range: Posted 5/1/2004 - 5!31!2004 Detail level: Summary Print criteria summary on the last page: Yes Include a header note: Yes Merchant summary report for May, 2004. Selected MCCs: Selected Merchants: Page: 2 of 2 $664.70 Selected accounts: Selected units: INFORMATION TECHNOLOGY 00000076 RAT 1 ; ~~Itiple ~rascic~r~ cpfii~ rep~r~ This report lists card purchases that have been split between two or more receipts on the same date where the total of these transactions exceed the card's single purchase limit. This report helps you audit transactions that potentially violate your organization's business rules. Using this Report Use the Multiple Transaction Exception report to find instances where account holders make multiple transactions at the same merchant on the same date. Finding such transactions can help you recognize instances where account holders are trying to make purchases that exceed the cards' pre-set single purchase limits. Finding these instances can help you determine if you need to increase the purchase limits or take other actions. Reporting Criteria You must specify the following criteria to run this report: Date flange Unit or Account search criteria Note; When you search by account, you can select individual accounts. Searching by unit selects all accounts under the selected unit. Features This report includes the following features: Unit Name and Number Account Name and Number Single Purchase Limit Date Occurred a Date Posted ® Merchant name and information Amount Exception total amount- transaction a Exception total amount- account • Exception total transaction count- account e Exception total amount- unit Exception total transaction count- unit Formatting Options This report has the following formatting options: Display transaction description a Display grand totals ® Print criteria page o Include a message in the report header Output Options You can export this report to the following file formats: ® PDF- Adobe Acrobat Portable Document Format file a Excel- Microsoft Excel spreadsheet file HTML- Hypertext Markup Language file Note: The Multiple Transaction Exception report is best viewed as a PDF file. RPT 1600. Multiple Transaction Exception report 25 Break Poin4/ Data is sorted in this report in the following order: Sort Order Merchant name • Transaction date ® Data is grouped in this report by the following values: Unit Account RPT 1600: Multiple Transaction Exception report 26 Card and Expense Management 1600 Multiple Transaction Exception Report Run by: Procard Setup. Report run: 11/5/2004 9:52:41 AM Transactions occurring: 5/01/04 - 05/31/04 Notes: Date Occurred Date Posted Merchant MICHAEL J MURPHY (******0000015527) Single Purchase Limit: 1000.00 5/16/2004 5/18/2004 HERTZ RENT-A-CAR COLUMBUS, OH Notes: 5/16/2004 5/21/2004 HERTZ RENT-A-CAR COLUMBUS, OH Notes: Extended business trip three days. Total for HERTZ RENT-A-CAR exception 5/1/2004 5/18/2004 OFFICE DEPOT CHARLOTTE, NC 282060000 Notes: 5/1/2004 5/19/2004 OFFICE DEPOT CHARLOTTE, NC 282060000 Notes: Total for OFFICE DEPOT exception Total exceptions for MICHAEL J MURPHY (******0000093298) Total exception for SALES ASSOCIATES (00000174) Amount $906.25 $223.25 $701.80 $510.50 Transaction count: 4 Transaction count: 4 Page: 1 of 3 Exception Total $1,129.50 $1212.30 $2, 341.80 $2,341.80 Card and Expense Management 1600 Multiple Transaction Exception Report Page:2of3 Run by: Procard Setup. Report run: 11!5/2004 9:52:41 AM Transactions occurring: 5/01104 - 05/31/04 SUZAN THOMPSON (******2233331289) Single Purchase Limit: 500.00 Date Occurred Date Posted Merchant Amount Exception Total 6/16/2004 6/18/2004 AMAZON.COM $500.70 CHARLOTTE, NC 282060000 Notes: 6/16/2004 6/18/2004 AMAZON.COM $210.50 CHARLOTTE, NC 282060000 Notes: Gifts for charity drawing. Total for AMAZON.COM exception $711.20 6/16/2004 6/18/2004 CATERING CENTER $500.00 CHARLOTTE, NC 2810652298 Notes: 6/16/2004 6/18/2004 CATERING CENTER $480.25 CHARLOTTE, NC 2810652298 Notes: Split food purchase for office party. Total for CATERING CENTER exception $980.25 Total exceptions for SUZAN THOMPSON (******2233331289) Transaction count: 4 $1,691.45 Total exception for MARKETING (00000071) Transaction count: 4 $1,691.45 Card and Expense Management 1600 Multiple Transaction Exception Report Run by: Procard Setup. Report run: 17/5/2004 9:52:41 AM Transactions occurring: 5/01/04 - 05/31/04 GRAND TOTAL OF EXCEPTIONS Date Range: From: 4/1/2004 To: 10/30/2004 Group and total by: Primary: Unit (ordered by Unit name) Secondary: Account (ordered by account name) Transaction sort order: Primary: Merchant name Secondary: Date Occurred Tertiary: Account name Display transaction notes: Yes Display report grand totals: Yes Print criteria summary on the last page: Yes Include a header note: No Selected accounts: TRANSACTION COUNT: 8 Page: 3 of 3 $4, 033.25 Selected units: RM CORPORATE OPERATIONS 00000063 RPT 7n1. grogram change equ~ i ~~poi~ This report lists changes made to active accounts and new account requests over a specified date range. This report helps you monitor new accounts as they are created and determine if similar account changes are requested frequently. Using this Report Use the Program Change Request (PCR) Audit report to identify new accounts and account changes requested through the online card management system. All changes made to accounts through Manage Account are eligible to appear in this report. This report can help you determine what changes were made to the accounts in your management system, how they were made, and who is requesting the changes. Using the data in this report can help you determine if any inappropriate changes being made. This report lists the new value as well as the old value for every account change made. The report displays information depending on whether you choose to search for individual accounts, or for all accounts in selected units. You can print a criteria summary page for your records. Report Criteria Required Criteria You must specify the following criteria to run this report: Date range You can run this report for the current day ~today-, the last 10 days, the current month, the previous month, or for a custom date range. e Search for accounts or units Note: Searching by account allows you to select individual accounts. Searching by unit selects all accounts under the selected unit. ® Account Search by options- Account number, Account name, Unit name, or Unit Level search criteria Unit Search by options- Unit name or Unit number a Search for Account or Unit name or number) Note: This filter is only required if you choose to search for accounts. It is optional if you choose to search for units. When you perform a unit search, you navigate through the unit hierarchy until you find the unit you want in the report. Select Yes for the Include Subunits options to include all units under the selection in the report. Optional Criteria You can choose to use the following criteria as you generate this report: Request submission method: Real-time, Manual, or all methods e Request type: new accounts, updated accounts, or all request types Most recent request status Requester First or Last Name a Print a summary of the report criteria option ® Include a message in the report header RPT 7010: Program Change Request Audit report 30 Features This report includes the following features: a Request number Requester Corporation ® Processor key Account a Request History including: Submission status Status date and time Submission method User name Additional information o Account change request including: Field affected Requested value Old value Additional information Formatting Options This report has no formatting options. Output Options You can export this report to the following file formats: PDF- Adobe Acrobat Portable Document Format file CSV- Comma Separated Values file Excel- Microsoft Excel spreadsheet file HTML- Hypertext Markup Language file Note: The PCR Audit report is best viewed as a PDF file. Break Point/ Data is sorted in the following order: Sort Order Accounts or Units (ascending) a Request Date ® Submission method RPT 7010: Program Change Request Audit report 31 Report 7010 C® tarn Change eC~lle~t IIC~i~ ~® Run Date:4/3/2008 Run by: Program Admin Time: 1:27 pm Date Range: 10/1/2007 - 10/29/2007 Header Note: Oct PCR Report Program Change Request #123456 Card Account 444444****444444 Bank 1234 Request Type Requestor Card Maintenance PatSmith Corporation Processor Key CORP-123 INC* 12345678 0102342345434567320059802345 History Status Date/Time Method User Not Submitted 10/23/2007 7:44:00 AM RealTime Pat Smith Submitted 10/23/2007 7:44:00 AM RealTime Pat Smith Votes Date/Time User Status Note 10/23/2007 7:44:00 AM Pat Smith Received increase cash w/draw from 5% to 15% due to the need for cash in UK Account Data (current or requested value fnrevious valuel) Corporate ID 00012345 Account Type Individual Company ID 12345 Billing Type Individual Card Line 1 0023334 INDIV Social Security Number 000-00-0000 Card Line 2 RRSS1234 Date of Birth 1/1/0001 Address 1 123 WEST DRIVE Address 2 CUBE A1234 City GOLDEN State! Province CO Country Zip Code /Postal Code 804010000 Master Accounting Code Work Phone 9999999999 Home Phone 9999999999 Email Fax Number 00000000000000000 Employee ID Transit Routing # 012343231 Activation Password Checking/Savings Acct # 00000000000000 Account-level Limits and Authorizations Expiration Date 200809 Current # of Cards 1 Account Status Credit Limit 501 Cycle Amount Limit 0.0000 OtherAmount Limit 0.0000 Single Purchase Limit 0.0000 Cycle Volume Limit 0 Other Volume Limit 0 Cash Advance % 0.00 [5.00] Monthly Amount Limit 0.0000 Other Number of Days 0 Monthly Volume Limit 0 Other Refresh Date Use Parent Limits Yes Daily Amount Limit 0.0000 Use Parent Velocities Yes Daily Volume Limit 0 Use Parent MCCG Table Yes Report 7010 r®gf~t~1 f`l~llg ~~ '~ ~®o` Run Date:4/3/2008 Run by: Bank Admin Time: 1:27 pm Program Change Request #123457 ~ Card Account Request Type Requestor 555555****555555 Card Maintenance Pat Smith Bank Corporation Processor Key 1234 CORP-123 INC* 12345678 0234556645666607778855667774 History Status Not Submitted Submitted Date/Time 10/19/2007 11:11:00 AM 10/19/2007 11:11:00 AM Method RealTime RealTime User Pat Smith Pat Smith Notes Date/Time 10/19/2007 11:11:00 AM User Status Pat Smith Received Note Temp increase due to server purchase Account Data (current or requested value farevious valuell Corporate ID 00012345 Account Type Individual Company ID 12345 Card Line 1 MARK SMITH Card Line 2 CORP-123 INC Address 1 123 WEST DRIVE Address 2 City GOLDEN State /Province CO Zip Code /Postal Code 804013118 Master Accounting Code Work Phone Email Employee ID Activation Password Billing Type Individual Social Security Number Date of Birth 1/1/0001 Country Home Phone Fax Number 00000000000000000 Transit Routing # 44455577 Checking/Savings Acct # 00000000000000 Account-}evel Limits and Authorizations ~- Expiration Date 201002 Current # of Cards 1 Account Status Credit Limit 20000 [10000] Single Purchase Limit 0.0000 Cash Advance % 0.00 Use Parent Limits Yes Use Parent Velocities Yes Use Parent MCCG Table Yes Cycle Amount Limit 0.0000 Cycle Volume Limit 0 Monthly Amount Limit 0.0000 Monthly Volume Limit 0 Daily Amount Limit 0.0000 Daily Volume Limit 0 Other Amount Limit 0.0000 Other Volume Limit 0 Other Number of Days 0 Other Refresh Date Report 7010 r® r~~ h~~l ~ ~~ Udi~ ® Run Date:4/3/2008 Run by: Bank Admin Time: 1:27 pm Report Features This report includes the following features: Spending Controls Single Purchase limit Cycle limit Monthly limit Daily limit MCC Group Payments Note: If you use the individual bill option the following fields appear on the report: Date Occurred and Date Posted Merchant name Allocation amount Payment total count Payment total amount Transactions/Diverted Transactions Date Occurred and Date Posted Merchant name and location Allocation notes and details Transaction Reference number and POS code Original transaction amount, original Currency, and conversion rate Reported Tax amount Final transaction amount Transaction total count Transaction total amount Addendum transaction information When applicable, the report displays additional information relevant to the following types of transactions: Travel Lodging Car rental Fleet Purchase Temporary services Shipping/Courier Medical services Calling cards Billing information If you use the individual bill option the following fields appear on the report: Previous Balance Payments Cash Advances Purchases Credits Finance Charges Fees RPT 1200: Statement of Account report 36 Report Features New Balance ® Cardholder signature continued) If you select the Yes check box in the Print signature lines criteria, the following fields appear on the report: Cardholder and Date Approver and Date ® Payment Coupon If you use the individual bill option the following fields appear on the report: Cardholder name and address Cardholder account number Bank name and address Due Date Total Amount Due Enclosed Payment Output Options You can export this report to an Adobe Acrobat Portable Document Format (PDF) file. Break Point/ Data is sorted in this report by account or unit depending on the Search By value. Sort Order RPT 1200. Statement of Account report 37 tatmnt ®f count Report 1200 Run Date: 1/7/2008 Run by: Time: 12:30 pm Statement of Account KATHERINE RIVERA 123 WEST OAK STREET Account #: ******2233331234 DENVER, CO 80401 Date Range: 4/8/2007 - 5/12/2007 Spending;Gontrols Dollar Limits Volume Limits Single Purchase 2,500 Cycle p 9,999 Monthly p 0 Daily 0 999 Custom 0 0 MCC Groups PC 2 Transactions Orig Currency/ Date Posted illerchant/Transaction Details Allocation/Description Conversion Rate Reported Tar Amount 4/27/2007 4!29/2007 CONTINEN 0052179392821 555555 666666 777777 HOME OFFICE, TX 888888 #69410194028921520120267 POS 333333 444444 555555 999999 222222 333333 444444 555555 111111 222222 333333 444444 Passenger Ticket Travel Date BORJA/FRANKIEMR 0052179392821 0 5/5/2007 5/09/2007 UNITED 0164074327261 777777 888888 999999 HONOLULU, HI 111111 #69410194037914037623195 POS Passenger Ticket Travel Date LON DYN S KY/B ETHAN N 0164074327261 0 $2.00 $1,022.36 $511.18 $306.71 $204.47 Travel Leg GUM CO HM O HNL HNL CO HM O GUM $0.00 $200.00 Travel Leg XAA UA Y XAA 5/6/2007 5/09/2007 AMERICINN HOTEL 777777 888888 999999 $0.00 $293.70 SARASOTA, FL 111111 #24661004039120708010437 POS Check-In Check-Out Number of Days Room Rate 20070503 20070506 3 $89.00 Transaction Totals Count: 3 $1,516.06 Page 1 of 2 tatemnt f cc®urtt Signatures Cardholder Date Approver Date >end this portion with pour payment: KATHERINE RIVERA 123 WEST OAK STREET Account #: """2233331234 DENVER, CO 80401 Enclosed Payment: ~_~ Page 2 of 2 RPT 1 ~ 1®~ Transaction report This report lists the transactions made by account holders. You can use this report to summarize account activity information or to perform transaction audits. The report is available in a detailed line item transaction view or a summary view. Using this Report Use the Transaction report to list transaction data for account holders. You can view either aline-item detail report or a report that lists a summary of the accounts' transactions over the specified time period. The Transaction report presents data for split transactions, personal transactions, disputes, and diverted transactions. Out of pocket transactions are not included in this report. Reporting Criteria Required Criteria You must specify the following criteria to run this report: • Date Range You can run this report for the current month, the previous month, or for a custom date range. • Unit or Account search criteria Note: Searching by account allows you to select individual accounts. Searching by unit selects all accounts under the selected unit. • Summary or Detail report view Optional Criteria You can choose to to show or hide line item detail by selecting Yes or No for the: Display line item detail option Note: This option is not available if you choose the Summary report. Summary Features The summary version of this report includes the following features: • Cardholder name and number • Unit name and number • Number of transactions • Total settlement amount (non-diverted) • Total diverted settlement amount • Unit summary: Transaction count Diversion amount Settlement amount Report summary: Transaction count Diversion amount Settlement amount Report transaction count Detail Features The detail version of this report includes the following features: • Unit name and number • Cardholder name and number • Transaction information: Merchant name RPT 1710. Transaction report 40 Detail Features Merchant location MCC (continued) Date Occurred Date Posted Original amount . Additional Transaction information . Original Amount ® Split Amount Settlement Amount Notes Addendum transaction information When applicable, the report displays additional information relevant to the following types of transactions: Travel Lodging Car rental Fleet Purchase Temporary services Shipping/Courier Medical services Calling cards Cardholder summary: Cardholder name and number Total transactions Net amount ® Unit summary: Transaction count Net amount Report summary: Report transaction count Report net amount Output Options You can export this report to the following file formats: Excel- A file pre-formatted for Microsoft Excel . CSV- A coma separated values file that can be imported into a variety of programs including Microsoft Excel PDF-Adobe Acrobat Portable Document Format file Break Pointl Data is sorted in this report by unit processor key number. After sorting by Sort Order processor key number, the report sorts groups transactions within the unit by account and sorts the data by the following: Account name (embossed line 1) . Account number . Merchant long name . Settlement amount (descending order) RPT 1710: Transaction report 41 ~' w C . . ~ ~ ~ ~N ? O O ~ ~ p m ®f o0 >. ~ O r . N C ~ ~ O ~ O N O ~ ® ~ O U ~ XXZU N O o m E es o cs3 a as `t' Z ~ sMS a o a Z~ ;~ o ~ Z ~ ¢ a Q Q Q W W ~ W ~'Na~ wawa ww<nw ~'~x~ ~, xxXx ~ ~>»> ~~ -~ ~ o ono ~~~~~ ~,aaaa ~ >U ° a o ~o° 1`¢oi a° 'c 0 ~ o ~ ~ a~ C O O O N O O r - O P 00 ~` N c- ~ e- O Q e- ~- C > ~ O O U ULL7 NO Na U c~ O U ~W "~~ 'c E > m c ~ m ~ Y ~ o ~ rn m U ~ O a s m c c 0 0 o m o .~ o .~ ~ o ,~ ~ c "' e 'c ~ c w ~ w > ~ ` '"' c w w . . h o ~ p G~ = O C O d ~. d 41 C p .' E in N ~ .C d ~ ~ Y p ~ p ~ Y p a C L p Z Z Z L O fC UN UN ~ v ° o c ° v ° v ° U) ~ o N O o N o N o ~ N N N M m N Q. (0 0 O 4. 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V W w a~ ~ ~ ~ ow ~ dp ~ oU a ~ N m ~ a W O Z N ¢ W z Z Z o Q 3 o Y Q x ~- d ? m V O J S U® _ ~ ~ ~' ~ LL' LL W Q' W W W W ~' ~- Q! ~ O a~ 0 a, d K 1® '~ a` 0 Q M u7 C ~ ® n O ~.. ~ O U (n N (9 ~ LL\1 V1 ca _ = o ~ n. c o a ~ 0 ~ ~ ~ V O O M v O O lf') a N O a m c a~ m O 0 n N C O er V N G R r a- O d A Z x u1 CJ 0 m c~ n. •~ 0 d ® a V fn c~ ~ y U ~ C b ~ a ® ~ ~ ~ ~ ~ 0 0 0 0 0 0 r c~ 0 J ~ N N O o ~- ~- Z = o N U M ~ .. LLJ N ~ M m ~ Z n. 0 ° a ~r° (`7 O y G' ~ O} ~ N n T In ~ ~ . c~c G Y y N d' ~ ~ i/7 } C ~ ~ O 7 N C (9 ~ ? N O .O y A C N N o _ ~" ~ p~ E 'C O N ~ o •~ •~ E '3 ~~ ~ = C ~ U N U 07 N (` N'~ C C (9 7 ~ C `~ C > ... C N - s. ~. a~ ~ ~ O ~ ~ - (C fB U ~ U U aai y m m u: ~ a.a`? m ~ U N N N N ~ o ®= ._ ooopa ~ cnu~ CV O f6 d ~ <r ~ o rn 0 0 o v v co so 0o v~ ao o in O ~n ~n ~ n n n ~ CO 00 O n _ ~ O n CD tC O O1 to a0 O N In In O n 1~ p) E M f`7 O N O p ~ ~- r 7 ~ N N cD n aD N V vi tf7 of ~j Q N +A N !fl EA M b4 N M c0 M f0 tD r 64 N9 n n r O N fH N V' fA O M N 69 N 6R N O m O r ~ 69 64 b4 64 EA kA 69 fA N3 fA ER fR c tq N N tR N N C r r .- r N N r n .- r .- r r .- N r ~- .- .- r- O N N r^ O N U c 0 U (0 N C f d Q. W S® /~ V CO n n cp N V' N (O In V M S C l17 n <t ~ N M c0 ~ n o~ ifi O M p M O~ o~ to d' N N N N N N N N N N N N N N N ~ N M M M M _ M M M _ M M M M M M M _ M M M M M M M M M M M M M M M M M M M M ~ M M M M M M M M M M M M M M M M M M M M M M M M M M M M M M M M M M C N N N N N N N N N N N N N N N N N ~ N N N N N N N N N N N N N N N N N Q M # M t # M t ~ + # # t w # x 4 M ~ ~ R Q I... F ~ _ O O C`7 O M O (O O t0 O C ~ ~ C ~ O O O O O O ~ O O O ~ (n O O O ~ `~ °o ~ n ° ~ ~ O ~ w to rn o ° } r `° p ® Q m v ~ o o U` C 9 e 0 0 ~ Q O O - ~ o ~ 0 o ® O O ~ + p Z h ~. Q z W a a cn ~= Q ~ ¢ F- Q ~ ~ o ~` ~ . °_. O o z .- c ~ ,~ W ey n ~ z 0 O O Z ~ ~ ~ o _ "' E ~ o v 2 a ~ w x o U¢' o °o z °o a n W ~ z o F ~ a a Q a ~ o c E . ' '~ ~ ~ ~ z 0 o z ° ~ w W v ~ ~ ~ z ~ ~ ~ z a ~ ~ ~ O o 0 0 o a ~ a z ~ o ~ ~ Q Y J S t/7 m d ~ ~ ~ ~ ~ N Z W Q Z o ~ ° ¢ F O ~ ~ Q n ~ B Q I Q ~ C ~ cn Z (~ O - ~ ~ ' - a' h ~ p y w O Z o ~ Q ~ O a o U Z Z W Z ~ Q } t~ Q V ~ ~' W J ~ C m i+ ~ L W W ~ W Q Y 2 Z ~ O 1- O Z J W ~ ~ Q O y 0 O W ® ~ „ ~ n- 2 ~ z^ ~ ~ '~ ~ ¢ ~ ¢ > cn o ~ r- ¢ i= ~ r® ~ cn F a z W 2 v ~ a n. Z a O n ~ z U ~ J ~ ~ ~ 6' Y ~ ~ ~ ~ F- ' ~ . n ~ y ~ ~ O J ® ~ -~ 0. W Y ~ O W d ~ d 2 ® ~ ~ ~ I` ~ a~ m o ~ ` 'c ~ ~ w tL Q Q d a ~ ~ ~ ~ r° ~ ~ o Z cn h ~ U U ? ? ~ ~ O O ~ ~ ~ ~ C7 N w O N f0 d a.a d ~; L O N ~ a ",' o ~ ~. ~. d ~ °o C °' O n ~ ~ 0 ;,_, ¢~ o v V fn N N IC ~ ~ O fq m a- ~ O e- N ~ a ® ~ ~ ~ 0 P ~ ~ ~ h O O O O O O } O J O Z U W F- Z O F a 0 LL Z M O O O O O O Z _O F- 7 ~ ~ ~ ~ } 00 Q. M .. N ~ U7 m ~., W N ~ Q m c °-a~4is` ~ 00 `~ L o O N o ~ t N a 2' Z yOC ~ ~° in Z` Z ~ N ~-° O E ~ E~- oL N ~ fA o~c.~~c ~ m atn c~ E~"' N '~ ~ ~'3 ~ c y U ~ ~ (6 7 l9 ~ N ~ ~ O N N ._ U V 01 N (9 N ~~ C~ N O c ~ 'C m ~' --°? catna-o O ~_ (0 (9 U O N N ~ m'm aa~? a~i a~i Q' ~DO~n. ~ ink ~ er roil rr This report displays the information on the Edit Personal Information page. The report allows you to view user information for just a single user or for every user you are able to view in the hierarchy. Note: For security reasons, passwords are not included in the report and all account numbers are masked. Using this Report Use the User Profile report to view detailed information about online card management user logons. This report lets you select the users for which you want to view logon information and displays security and approver information. Reporting Criteria Required Criteria You must specify the following criteria to run this report: Delimiter Select a delimiter for the output file. You can use Tabs, Commas, Periods, Pipes, or Semi-Colons. By default, the file is tab delimited. ® Qualifier Select the text qualifier you want to use for the report. You can use double or single quotes, or no qualifier. Detail level Select the Summary option to view only basic user information for the users in this report or select Detail option to view the user profiles, approval and security information. Logon Status You can run this report for Active users, Inactive users, or both Active and Inactive users in your card management application. Summary Features The summary version of this report includes the basic user data for each user in one line for each user included in the report. The following data are included: ® User ID e User Last Name a User First Name Location ® Location Unit Number a Branding ® Branding Unit Number e Email address CC Email address e BCC Email address a Active status o Locked out status Detail Features The detail version of this report includes the following features: o Note: Each user can have multiple records in this report. The basic user information, security access information, and assigned approvers each display in separate grouped records of the report. User # -unique counter for each user ® Record# - a counter for the record within the same user, unique to the user RPT 5100: User Profile report 48 Detail Features Record Group- a code that indicates the type of information included in each record for the user. (continued) U-indicates the record contains basic user data with no security or approval data A-indicates the record contains approver information for the user S-indicates the record contains user security data Note: A separate "U" record is created for each unit assigned to the user. . Record Type- Indicates whether the user ID is for an account holder, a user, an approver User basic information: . UserlD . User Last Name . User First Name . Location Location Unit Number Branding Branding Unit Number . Email address CC Email address . BCC Email address Active status ® Locked out status Approver information: . Approver's user ID Approver's first name Approver's last name ® Approver type (final or interim) Note: A separate "A" record appears in the report for each approver assigned to the user. Unit Security information: . Unit name . Unit number Security profile Approver profile . Approver type Add transactions? (yes or no) . Edit transactions? (yes or no) Account security information: . Name on account Account number (masked) . Security profile Owner status User security information: UserlD ® User name (first and last share column) ® Security profile . Approver profile . Approver type Note: A separate "S" record appears for each security access point assigned RPT 5100: User Profile report 49 Output Options This report outputs into atab-delimited text file. You can import the text file into a spreadsheet application such as Microsoft Excel. You can select the delimiter used for the file from the Delimiter list. Possible delimiters include commas, periods, pipes, semi-colons, or tabs. Break Point/ Data is sorted in this report by user last name, user first name, then user ID. Sort Order RPT 5100: User Profile report 50 aaaaaaaaaaaaaaaaaaaa ~' _' Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y o a a a a a a a a a a a a a a a a a a a a J m m m m m m m m m m m m m m m m m m m m d Z N ~. 3 3 3 3 3 3 ~ ~ ~ '~ ~ ~ '~ 'c ca ca ca co ca ca a~ a~ a~ a~ m ~ ~~~~-a~ La L L L L L L ~ 4J ~ ~ ~ N ~ ~ ~ .~ ~~(/q1 C C C C C C ~~O// ~~O// ~~O// ~~O// ~~O// ~~O// ~~O// ~~O// ryOL-~ ~yi~~ ryi~~ ~y~~ ~yOL~ ry~~ d a a a a a a LL LL LJ~ LL. U. I..f. LL 11 W W m W m m Z y ~ C C C C ~ N ~ ~ N ~ J 0 0 0 0 0 0 rn tp fp N tq ~ C C C C C C C C C C C C C C ~ C C C C C C '` '` '` '` '` '` '` 'L ` ~ Y i N L L L ~ .C L f0 (6 CO (0 f6 CO C6 (9 O N ~ O O O ~~~ ° ° °~oooa®ooo~a.a.aa.~ r r r r r r c c c c c c Y .Y ~ .Y .Y ~`1~ r r r r r r L L L L L L C C C C C C ^^N ^^~ ^^~ ^^~ ^^~ ^^ N Q ~ Q ~ ~ I..L LL LL LL L.L 1..1..E ® ~ N ~ ~ ~ ~ r r r r r r r r ~ ~ ~ ~ ~ ~ C C C C C C C C C C C C C C 'p 'O 'O "O "O 'O ~- L L L L L L '` 'C 'C '` 'C 'C 'C 'C C C C C C C 0 0 0 0 0 0 0 ~- L L ~- ~- L L~ O O~~ O O N -' (9 CO (6 (6 (6 f6 CO N L L L L ~Q¢QQaQOOaooooommmmmm Q 0 v a~ c a~ ~ Z Z `m c c ~ `m Z Z Z a~ c a~ ~ Z Z ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ c~ ro ~ B ~ ~ ~ ~ g O L C7 .. 0 v ~ ~ cn ~ a a a ~ cn cn cn ca a a a ~ (n ~ a a a ~ r° N M V' U'7 fD r N M rP' Ln CD I~ M r N M 'ch ~ CD L O V r r r r r r N N N N N N N N M M M M M M L d N B d Y U O J Z z Z Z z Z Z Z Z Z z Z Z z Z Z Z Z~ Z U .~ W U U CO W V V U U U U U U E E E E E O O O O O O O O O O O O O O D U U U U U U U~~~ B~~ f6 f6 C6 Ctl (6 (6 (0 f6 7 ~ ~ 7 ~ ~ f6 (B C6 (6 (0 I9 ~ fn fn fn fn (n (n (n Y Y Y Y Y Y (n to In (O to VJ C> C 7 7 C>> C C C C C C 7 C 7 ~ 7 C Y Y Y Y Y Y Y Y ~~~~~~ Y Y Y Y Y Y C C C C C C C C _p ~~~~~ C6 C6 (a N (II co .~fl` ~~~`` ~ ~~~`` .d~all ~ ~~~`` ~~~11 ~ V V ~ V V ®~ V V~ V V V V~ V V~ V V C C C C C C ~~ v_. w- v_- .~ v_ ._ - Y Y Y Y Y Y 0 0 0 0 0 0~~ ~- ~~ ~~ i N 0 0 0 0 N X 3 3 3 3 3 3~-a-o-`0o-oa~-`°a aaaaaa W~ -~ ~ -~ ~~ L L L L L L L L m CD m m m m f~ I` ~~ ti~ M M M M M M M M I~ ~~ ti~ !~ d V' ~ V' ~ cfi d' O) O O O O 07 O O ~ C d' ~ d' V ep O O O O O O 0 0 0 0 0 0 O O O O O O O O C r r r r r r r r r r r r r r r r c- r r r w .~ _~ C L m Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q ~ Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y ~ Z Z Z Z Z Z Z Z Z Z Z Z Z Z Z Z Z Z Z Z Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q d¢ Q Q CO m m m m m m m m m m m m m m m m m m m m m E Z .~ = ti ti ti ti ~ r ti r~ ~~~ ti~ ~ r~~ ti ~ ~n ~n ~n ~ in ~n in in ~ ~n ~n in ~n ~n ~n ~n ~n ~n ~n ~n ®v d- v ~ d- v ~r ~ ~ ~r ~ v v v v v v' ~ v v w ~ ~ u~ ~n ~n ~n ~ ~n i.c~ ~n ~n ~n ~n ~n ~n ~n ~n ~n ~n ~n R r r r r r r r r r r r r r r r r r r 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 J o 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 L y O a a O a O d a a a r ._ ~ N r N ~ r ~ N r O L _ r L ~ L U ~ ~ Y _ ~ L ~ ~ m ca ._ a i ca ._ cn co ._ ~Ucq wUtn ~Uc~ `o `o `0 0 0 `o L ~ ~ L L ~ m L ~ iA ~ ~ N fn N ~ N (A C C C C E E O) ~ C1 O ~ ~ CI ~ ~ ~ O O O O O O O L L L 0 0 0 L L L L L aafl. aaaa aaa a¢Q QQaQ Qa¢ L ~ ~~ ~ ~ ~~ a o 0 _= 0 0 0 2'~2 0 0 22 >, ® C C C .N C C C L ~ ~ ~ C ~ 7 ~ 0 0 O O O O H ti n ~ ~ ti ti C d' V' 'rd' 'd d~' ~t ® O m 0 0 0 0 w ' ~ ~ r ~ ~ r pp c- ~ % N O O O 07 0 0 O (~ O O ~ 07 ~ L k O ~ ~ k ~ ~ ~ ~ 'D ~ ~ 0 0 O O C ~ ~ ~ Z ~QZ ~vpUZ d~mZ y Z c y U O ~ z C C L o`> C ~` C » ~~ ® Q» ~ 3Q ~Q®~¢ ~ O ~ N ~YY ~p N ~ ~YY Z'o ~YY V ~ ~° _° oL11 O ~ ~ZZ ~ c. c ¢¢ L. ¢¢ ~ ¢ ¢ ¢ ®m m ~ U Q_ U ®C0 0] C® m ®00 07 .~ w d .~ v d c c 0 v c a- v d .~ ~v v z>-} z>-} z>->- c 0 v N C f0 v H w W c R V Z~-~ Z>-~- Z~-~ C O : w v R c L F- Q c ro U Z}~ Z~-~- Z}} d ~ ~ a~ ~ p~ al p~ N p N N f- ao o ao o ao 0 d a n a a s Q Q Q Q Q Q L ~ ~ ~ a. a ~~ m m c c ~~ ~ ~ c c ~~ ~ ~ c c Q 5 i.i ii ~ ii ii ~ ii ii ~ c > m a (9 ~' ` C ~ ~' ~ c c ~' ` Q ~~ Y , W A Y D A Y d ca Z w R L ~ c cB c ro c ca ® ~ ~ O L ~ ~ L ~ C N - C ~ ~ ~ N E ~ O CO ~ = f0 ~ ~ N Q U U (n = U cA cA U c~ 4.04 SIGNAI°IJRE PAGE The undersigned Proposer, having examined these documents, and having full knowledge of the condition under which the work described herein must be performed, hereby proposes that she/he will fulfill the obligations contained herein in accordance with all instructions, terms, conditions, and specifications set forth; and that she/he will furnish all required products/services and pay all incidental costs in strict conformity with these documents, for the stated prices as payment in full. Submitting Firm: American Trust & Savings Bank Address: 895 Main Street Dubuque IA 52001 Name of Authorized Robert I. Peacock Title: Senior Vice President T-- Date: May 15, 2009 E-mail: bpeacock@americantrust.com Phone (563) 589-0819 Fax (563) 589-0824 EXCEPTIONS OR DEVIATIONS to this Request for Proposal or the Terms should be listed below or "No Exceptions" written: No Exceptions FIRM PRICING Costs submitted in this bid are firm through: _May 15, 2012 ADDENDA FORM (It is the Proposer's responsibility to check for issuance of any addenda) The undersigned hereby acknowledges receipt of the following applicable addenda: Addenda Number Section 3, Section 4 & Section 4.03 Date EN~L1~ ~LTRE.S Catalog of Reports Annual Report, 12/31/08 Bank Call Report, 3/31/09 UBPR, 3/31/09 City of Dubuque, Iowa Page 31 Request for Proposal of Procurement Card Services I I ' ! LI II~~ I OP ID EC DATE(MMIDD/YYYY) AMETRUl 05/14 09 PRODUCER THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATIOP ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE Cottingham & Butler, Inc. HOLDER. THIS CERTIFICATE DOES NOT AMEND, EXTEND OR 800 Main Street ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW Dubuque IA 52001 Phone: 563-587-5000 Fax:563-583-7339 INSURERS AFFORDING COVERAGE NAIL # INSURED INSURER A: St. Paul Fire & Marine Ins Co 24767 INSURER B: American Trust & Savings Bank INSURER C: 895 Main Street INSURER D: Dubuque IA 52001 INSURER E: COVERAGES THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING TERM OR CONDITION OF ANY CONTRACTOR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAYBE ISSUED OR ANY REQUIREMENT , MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. AGGREGATE LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. LTR NSR TYPE OF INSURANCE POLICY NUMBER POLIC EFFECTIVE DATE MM/DD/YY PO ICY EXPIR TON DATE MMIDD/YY LIMITS GENERAL LIABILITY EACH OCCURRENCE $ 1000000 A X COMMERCIAL GENERALLIA8ILITY FS06305376 05/01/09 05/01/10 PREMISES (Eaoccurence) $ 1000000 CLAIMS MADE ~ OCCUR MED EXP (Any one person) $ 10000 PERSONAL&ADVINJURY $ 1000000 GENERAL AGGREGATE $ 2000000 GEN'L AGGREGATE LIMIT APPLIES PER: PRODUCTS -COMP/OP AGG $ 2 000 OO O X POLICY jE ~ LOC Emp Ben . 1 m11 / 3mi 1 AUT OMOBILE LIABILITY COMBINED SINGLE LIMIT $ 1000000 A X ANY AUTO FS06304768 05/01/09 05/01/10 (Ea accident) ALL OWNED AUTOS BODILY INJURY $ (Per person) SCHEDULED AUTOS HIRED AUTOS BODILY INJURY $ (Per accident) NON-OWNED AUTOS PROPERTY DAMAGE $ (Per accident) GARAGE LIABILITY AUTO ONLY - EA ACCIDENT $ ANY AUTO OTHER THAN EA ACC $ AUTO ONLY: AGG $ EXCESSIUMBRELLA LIABILITY EACH OCCURRENCE $ OCCUR ~ CLAIMS MADE AGGREGATE $ DEDUCTIBLE $ RETENTION $ $ WORKERS COMPENSATION AND X TORY LIMITS ER A EMPLOYERS'LIABILITY HVMIAUB2529L39308 05/01/09 05/01/10 E.L. EACH ACCIDENT $ 100000 ANY PROPRIETOR/PARTNER/EXECUTIVE OFFICER/MEMBEREXCLUDED? E.L. DISEASE-EA EMPLOYE $ 100000 If yes, describe under SPECIAL PROVISIONS below E. L. DISEASE-POLICY LIMIT $ 500000 OTHER DESCRIPTION OF OPERATIONS /LOCATIONS /VEHICLES /EXCLUSIONS ADDED BY ENDORSEMENT /SPECIAL PROVISIONS *Except for nonpayment of premium. The City of Dubuque is additional insured on the general liability policy on a primary and noncontributory basis. The Governmental Immunities Endorsement is included. CERTIFICATE HOLDER CIDUTA3 City of Dubuque 50 W 13th St Dubuque IA 52001 CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATIC DATE THEREOF, THE ISSUING INSURER WILL ENDEAVOR TO MAIL 3O * DAYS WRITTEN NOTICE TO THE CERTIFICATE HOLDER NAMED TO THE LEFT, BUT FAILURE TO DO SO SHALL IMPOSE NO OBLIGATION OR LIABILITY OF ANY KIND UPON THE INSURER, ITS AGENTS OR REPRESENTATIVES. ORATION 1988 inn ~~r If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). DISCLAIMER The Certificate of Insurance on the reverse side of this form does not constitute a contract between the issuing insurer(s), authorized representative or producer, and the certificate holder, nor does it affirmatively or negatively amend, extend or alter the coverage afforded by the policies listed thereon. 25 Board of Governors of the Federal Reserve System OMB Number: 7100-0036 Federal Deposit Insurance Corporation OMB Number: 3064-0052 Office of the Comptroller of the Currency OMB Number: 1557-0081 Furl F'nncBl IrtstltLl~'9®~~ ~X~i11i11~$i®~ ®~~~'' Expires May 31, 2009 Please refer [o page I, Table of Contents, for the required disclosure of estimated burden. 1 i is i Report at the close of Business March 31, 2009 This report is required by law: 12 U.S.C. §324 (State member banks); 12 U.S.C. §1817 (State nonmember banks); and 12 U.S.C. §161 (National banks). NOTE: Each bank's board of directors and senior management are responsible for establishing and maintaining an effective system of internal control, including controls over the Reports of Condition and Income. The Reports of Condition and Income are to be prepared in accordance with Federal regulatory authority instructions. The Reports of Condition and Income must be signed by the Chief Financial Officer (CFO) of the reporting bank (or by the individual performing an equivalent function) and attested to by not less than two directors (trustees) for State nonmember banks and three directors for State member and National banks. (20090331) (RCON 9999) This report form is to be filed by banks with domestic offices only. Banks with foreign offices (as defined in the instructions) must file FFIEC 031. I 1 ~ We, the undersigned directors (trustees), attest to the correctness of the Reports of Condition and Income (including the supporting schedules) for this report date and declare that the Reports of Condition and Income have been examined by us and to the best of our knowledge and belief have been prepared in conformance with the instructions issued by the appropriate Federal regulatory authority and are true and correct. I, the undersigned CFO (or equivalent) of the named bank, attest ~ X1 " - ~. "mot the Reports of Condition and Income (including the supporting Director (Trustee) I ~dules) for this report date have been prepared in conformance with the instructions issued by the appropriate Federal regulatory Director (Trustee) authority and are true and correct to the best of my knowledge and belie v,// Director (Trustee) ature of Chief Financial0fficer (or Equivalent) John W. Marshall Executive Vice President Date of Signature es E. Stop. Submission of Reports Each bank must file its Reports of Condition and Income (Call Report) data by either: (a) Using computer software to prepare its Call Report and then submitting the report data directly to the FFIEC's Central Data Repository (CDR), an Internet-based system for data collection (https://cdr.ffiec.gov/cdr/), or (b) Completing its Call Report in paper form and arranging with a software vendor or another party to convert the data into the electronic format that can be processed by the CDR. The software vendor or other party then must electronically submit the bank's data file to the CDR. For technical assistance with submissions to the CDR, please contact the CDR Help Desk by telephone at (888) CDR-3111, by fax at (703) 774-3946, or by e-mail at CDR.HeIp@ffiec.gov, FDIC Certificate Number 13150 (RSSD 9050) To fulfill the signature and attestation requirement for the Reports of Condition and Income for this report date, attach your bank's completed signature page (or a photocopy or acomputer-generated version of this page) to the hard-copy record of the data file submitted to the CDR that your bank must place in its files. The appearance of your bank's hard-copy record of the submitted data file need not match exactly the appearance of the FFIEC's sample report forms, but should show at least the caption of each Call Report item and the reported amount. American Trust & Savings Bank Legal Title of Bank (RSSD 9017) Dubuque City (RSSD 9130) IA Charles J. Schrup II: h~ 52004-0935 State Abbrev. (RSSD 9200) Zip Code (RSSD 9220) Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency Consolidated Reports of Condition and Income for A dank With Domestic Offices Only Table of C®ntents Signature Page Cover rFIEC 041 Paget Schedule RC-C-Loans and Lease Financing Receivables: Part I. Loans and Leases ......................... RC-7, 8, 9, 10 Part II. Loans to Small Businesses and Small Farms (to be completed for the June report only) ..................................... RC-10a, 10b Contact Information ................................................... ii, iii Report of Income Schedule RI-Income Statement ......................... RI-1, 2, 3 Schedule RI-A-Changes in Bank Equity Capital ........Rl-4 Schedule RI-B-Charge-offs and Recoveries on Loans and Leases and Changes in Allowance for Loan and Lease Losses ........................:..... RI-4, 5, 6 Schedule RI-E-Explanations .............................. ...RI-7, 8 Report of Condition Schedule RC-Balance Sheet ............................... RC-1, 2 Schedule RC-A-Cash and Balances Due From Depository Institutions (to be completed only by selected banks) .............. RC-3 Schedule RC-B-Securities ........................... RC-3, 4, 5, 6 Disclosure of Estimated Burden The estimated average burden associated with this information collection is 41.2 hours per respondent and is estimated io vary from 16 to 650 hours per response, depending on individual circumstances. Burden estimates include the time for reviewing instructions, gathering and maintaining data in the required form, and completing the information collection, but exclude the time for compiling and maintaining business records ire the normal course of a respondent's activities. A Federal agency may not conduct or sponsor, and an organization (or a person) is not required to respond to a collection of information, unless it displays a currently valid OMB control number. Comments concerning the accuracy of this burden estimate and suggestions for reducing this burden should be directed to the Office of Informa- tion and Regulatory Affairs, Office of Management and Budget, Washington, D.C. 20503, and to one of the following: Secretary Board of Governors of the Federal Reserve System Washington, D.C. 20551 Legislative and Regulatory Analysis Division Office of the Comptroller of the Currency Washington, D.C. 20219 Assistant Executive Secretary Federal Deposit Insurance Corporation Washington, D.C. 2D428 Schedule RC-D-Trading Assets and Liabilities (to be completed only by selected banks) ...................................................... RC-11, 12, 13 Schedule RC-E-Deposit Liabilities ................... RC-14, 15 Schedule RC-F-OtherAssets ................................. RC-16 Schedule RC-G-Other Liabilities ............................ RC-16 Schedule RC-K-Quarterly Averages ...................... RC-17 Schedule RC-L-Derivatives and Off-Balance Sheet Items ................................ RC-18, 19 Schedule RC-M-Memoranda ........................... RC-20, 21 Schedule RC-N-Past Due and Nonaccrual Loans, Leases, and Other Assets......RC-22, 23, 24, 2~ Schedule RC-O-Other Data for Deposit Insurance and FICO Assessments ................. RC-25, 26 Schedule RC-P-1-4 Family Residential Mortgage Banking Activities (to be completed only by selected banks) ........................................ RC-27 Schedule RC-Q-Financial Assets and Liabilities Measured at Fair Value (to be completed only by selected banks) ................. RC-28 Schedule RC-R-Regulatory Capital ..... RC-29, 30, 31, 32 Schedule RC-S-Servicing, Securitization, and Asset Sale Activities .......................... RC-33, 34, 35 Schedule RC-T-Fiduciary and Related Services ...................................... RC-36, 37, 38 Optional Narrative Statement Concerning the Amounts Reported in the Reports of Condition and Income ...................................... RC-39 For informafion or assistance, National and State nonmember banks should contact the FDIC's Data Collection and Analysis Section, 550 17th Street, NW, Washington, D.C. 20429, toll free on (800} 688-FDIC(3342), Monday through Friday between 8:00 a.m. and 5:00 p.m., Eastern time. State member banks should contact their Federal Reserve District Bank. Contact Information for the Reports of Condition and Income FFIEC D41 Page ii 3 To facilitate communication between the Agencies and the bank concerning the Reports of Condition and Income, please provide contact information for (i) the Chief Financial Officer (or equivalent) of the bank signing the reports for this quarter and (2) the person at the bank -other than the Chief Financial Officer (or equivalent) - to whom questions about the reports should be directed. If the Chief Financial Officer (or equivalent) is the primary contact for questions about the reports, please provide contact information for another person at the bank who will serve as a secondary contact for communications between the Agencies and the bank concerning the Reports of Condition and Income. Enter "none" for the contact's a-mail address or fax number if not available. Contact information for the Reports of Condition and Income is for the confidential use of the Agencies and will not be released to the public. Chief Financial Officer (or Equivalent) Signing the Reports John W. Marshall Name (TEXI" C490) Executive Vice President Title (TEXT C491) jmarshall@americantrust.com E-mail Address (TEXT C492) (563) 589-0178 Telephone: Area code/phone number/extension (TEXT C493) (563) 589-0825 FAX: Area code/phone number (TEXT C494) Other Person to Whom Questions about the Reports Should be Directed Amber A. Wright Name (TEXT' C495) Vice President Title (TEXT C496) awright@americantrust. com E-mail Address (TEXT 4086) (563) 582-1841 Ext. 286 Telephone: Area code/phone number/extension (TEXT 8902) (563) 589-0845 FAX: Area code/phone number (TEXT 9116) Emergency Contact Information This information is being requested so the Agencies can distribute critical, time sensitive information to emergency contacts at banks. Please provide primary contact information for a senior official of the bank who has decision-making authority. Also provide information for a secondary contact if available. Enter "none" for the contad's a-mail address or fax number if not available. Emergency contact information is for the confidential use of the Agencies and will not be released to the public. Primary Contact John W. Marshall Name (TEXT C366) Executive Vice President Title (TEXT C367) jmarshall@americantrust.com E-mail Address (TEXT C368) (563) 589-0178 Telephone: Area code/phone number/extension (TEXT C369) '563) 589-D825 FAX: Area code/phone number (TEXr C370) Secondary Contact Mark J. Casel Name (TEXT C371) Vice President & Cashier Title (TEXT C372) mcasel @a mericantrust. com E-mail Address (TDCr C373) (563) 582-1841 Ext. 362 Telephone: Area code/phone number/extension (TEXT C374) (563) 589-0845 FAX: Area code/phone number (TEXT C375) USA PATRI®T Aet Section 314(x) Anti~Money Laundering Contact Information FFIEC 741 Page iii 4 This information is being requested to identify points-of-contact who are in charge of your bank's USA PATRIOT Act Section 314(a) information requests. Bank personnel listed could be contacted by law enforcement officers or the Financial Crimes Enforcement Network (FinCEN) for additional information related to specifie Section 314(a) search requests or other anti-terrorist financing and anti-money laundering matters. Communications sent by FinCEN to the bank for purposes other than Section 314(a) notifications will state the intended purpose and should be directed to the appropriate bank personnel for review. Any disclosure of customer records to law enforcement officers or FinCEN must be done in compliance with applicable law, including the Right to Financial Privacy Act (12 U.S.C. 3401 et seq.). Please provide information for a primary and secondary contact. Information for a third and fourth contact may be provided at the bank's option. Enter "none" for the contact's a-mail address if not available. This contact information is for the confidential use of the Agencies, FinCEN, and law enforcement officers and will not be released to the public. Primary Contact Robert I. Peacock Name (TEXT C437) Senior Vice President Title (TDCf C438) rpeacock@america ntrust.com E-mail Address (TEXT C439) (563) 589-0819 Telephone: Area code/phone number/extension (TEXT C440) Third Contact Name (TEXT C870) Title (l'EXT C871) E-mall Address {TEXT C872) Telephone: Area code/phone number/extension (TEXT C873) Secondary Contact Mark J. Casel Name (TEXT C4g2) Vice President & Cashier Title (fDCT C443) mcasel@americantrust.com E-mail Address (TEXT C444) (563) 582-1841 Ext. 362 Telephone: Area code/phone number/e~enslon (TEXT C445) Fourth Contact Name (TEXT 0875) Tide (TEXT C876) E-mall Address (TEXT C877) Telephone: Area code/phone number/extension (TD(T C878) AmFPican Trust & Savings Bank FFIEC 041 Legal Title of Bank Page RI-1 Dubuque ~ City IA 52004-0938 State Zip Code FDIC Certificate Number: 13150 Submitted to CDR on 4/21/2009 at 1:04 PM Consolidated Report of Income for the period January 1, 20®9 ® arch 31, 2®0 All Report of Income schedules are to be reported on a calendar year-to-date basis in thousands of dollars. Schedule RI®Income Statement Dollar Amounts in -thousands ~ RIAD I au I MII I Thou 1. Interest Income: ~~ I J, „ a. Interest and fee income on loans: S -- -; real estate: d b '~`~~ `~~` y (1) Loans secure (a) Loans secured by 1-4 family residential properties 4435 1,150 l.a.l.a (b) All other loans secured by real estate 4436 4,198 l.a.l.b (2) Commercial and industrial loans 4012 _ 2,652 i.a.2 (3) Loans to individuals for household, family, and other personal - `, r~- ~;,: ~ ~ ~ ~ expenditures: ° ~ ~~~ ~19 64s~1 ~ i.a.3.a (a) Credit cards ~ all student installment a ment in le i l d Oth b ' • ' `' , y , g p nc u es s er ( ( ) and revolving credit plans other than credit cards) loans 6486 257 1.a.3.b , (4) Loans to foreign governments and official institutions 4056 0 1.a.4 (5) All other loans (1) 4058 989 1.a.5 6) Total interest and fee income on loans (sum of items i.a.(1)(a) through 1.a.(5)) 4010 9,295 1.a.6 ( Income from lease financing receivables b 4065 0 l.b . . Interest income on balances due from depository institutions (2) 4115 _ 23 l.c d. Interest and dividend income on securities: ~ (1) U.S. Treasury securities and U.S. Government agency obligations - _ ' `= (excluding mortgage-backed securities) 6488 337 i.d.i (2) Mortgage-backed securities 6489 _ ~ 305 1.d.2 (3) All other securities (includes securities issued by states and _~ ~ --=~-'`' political subdivisions in the U.S.) 4060 300 1.d3 e. Interest income from trading assets 4069 0 l.e Interest income on federal funds sold and securities purchased under agreements to resell f 4020 0 l.f . g. Other interest income- 4518 27 S.g h. Total interest income (sum of items l.a.(6) through i.g) 4io7 10,287 l.h 2. Interest expense: a. Interest on deposits: ' ~ 'I (1) Transaction accounts (NOW accounts, ATS accounts, and ~ - u telephone and preauthorized transfer accounts) ~ ~ ~~`_ 2.a.1 counts: ti N t 2 = - ~ ran5ac on ac on ( ) - (a) Savings deposits (includes MNIDAs) 0093 694 2.a.2.a 000 or more (b) Time deposits of $100 A517 1,127 2.a.2.b , (c) Time deposits of less than $100,000 A51s 1,971 2.a.2.c b. Expense of federal funds purchased and securities sold .:' --- - ' under agreements to repurchase 4180 103 2.b c. Interest on trading liabilities and other borrowed money 4185 206 2.c (1) Includes interest and fee income on "Loans to depository institutions and acceptances of other banks," "Loans to finance agricultural production and other loans to farmers," "Obligations (other than securities and leases) of states and political subdivisions in the U.S.," and "Other loans." ~" 'ncludes interest income on time certificates of deposit not held for trading. ,4merican Trust 8<Savings Bank Legal '>-itle of Bank FDIC Certificate Number: 13150 Submitted to CDR on 4/21/2009 at 1:04 PM chet~le I®~®tinue I Year-to-date I Dollar Amounts in Thousands ~ RSAO ( 611 I Mil I Thou 2. Interest expense (continued): __ d. Interest on subordinated notes and debentures 4zoo 0 2.d e. Total interest expense (sum of items 2.a through 2.d) 4073 4,157_ 2.e 3. Net interest income (item l.h minus 2.e) 4. Provision for loan and lease losses 5. Noninterest income: a. Income from fiduciary activities (1) b. Service charges on deposit accounts c. Trading revenue (2) d. (1) Fees and commissions from securities brokerage (Z) Investment banking, advisory, and underwriting fees and commissions (3) Fees and commissions from annuity sales (4) Underwriting income from insurance and reinsurance activities _ (5) Income from other insurance activities e. Venture capital revenue f. Net servicing fees g. Net securitizatlon income h. Not applicable i. Net gains (losses) on sales of loans and leases j. Net gains (losses) on sales of other real estate owned k. Net gains (losses) on sales of other assets (excluding securities) I. Other noninterest income* m. Total noninterest income (sum of items 5.a through 5.1) 6. a. Realized gains (losses) on held-to-maturity securities b. Realized gains (losses) on available-for-sale securities 7. Noninterest expense: a. Salaries and employee benefits b. Expenses of premises and fixed assets (net of rental income) (excluding salaries and employee benefits and mortgage interest) c. (1) Goodwill impairment losses (Z) Amortization expense and impairment losses for other intangible assets d. Other noninterest expense* e. Total noninterest expense (sum of items 7.a through 7.d) 8. Income (loss) before income taxes and extraordinary items and other adjustments (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) 9. Applicable income taxes (on item 8) 10. Income (loss) before extraordinary items and other adjustments (item 8 minus item 9) 11. Extraordinary items and other adjustments, net of income taxes* 12. Net income (loss) attributable to bank and noncontrolling (minority) interests (sum of items 10 and 11) 13. LESS: Net income (loss) attributable to noncontrolling (minority) interests (if net income, report as a positive value; if net toss, report as a negative value) 14. Net income (loss) attributable to bank (item 12 minus item 13) ~ . `~ 4074 ~ ~; 4230 4070 1,857 5.a 4080 356 5.b ,az2o 1 5.c C886 48 5.d.1 FFIEC 041 Page RI-2 6 6,130 3 1,599 4 C888 0 5.d.2 0887 3 5.d.3 0386 0 5.d.4 0387 0 5.d.5 8491 0 5.e 6492 87 5.f 8493 0 5.g 5416 626 5.1 5415 0 5.j 8496 0 5.k 8497 1,147 5.1 ~..~:.~~ 5 4079 - _, ~ 3 521 ~ ` '-~~ 3196 1` a~ r~ __ ~a9 7.a 4,125 5.m 0 6.a 0 6.b 4217 1,070 7.b C216 0 7.C.1 _. -.. _ C232 - - 0 7.GZ 4092_ _ _ 2,498 7.d 4093 7,517 7.e 4301 1,139 8 4302 51 9 4300 1,088 10 - 4320 0 11 _ G104 1,088 12 C G103 0 13 '~~~' 4340 1,088 14 * Describe on Schedule RI-E-Explanations (1) For banks required to complete Schedule RC-T, items 12 through 19, income from fiduciary activities reported in Schedule RI, item 5.a, must equal the amount reported in Schedule RC-T, item 19. (2) For banks required to complete Schedule RI, Memorandum item 8, trading revenue reported in Schedule RI, item 5.c, must equal the sum of Memorandum items 8.a through 8.e. American Trust & Savings bank Legal Title of Bank FDIC Certificate Number: 13150 Submitted to CDR on 4/21/2009 at 1:04 PM Schedule I®®n~inued Memoranda Dollar Amounts in Thousands 1. Interest expense incurred to carry tax-exempt securities, loans, and leases acquired after August 7, 1986, that is not deductible for federal income tax purposes Memorandum item Z is to be comp/eted bybanks with $Y bi//ion or more in Iota/assets. (XJ 2. Income from the sale and servicing of mutual funds and annuities (included in Schedule RI, item 8) 3. Income on tax-exempt loans and leases to states and political subdivisions in the U.S. (included in Schedule RI, items l.a and l.b) 4. Income on tax-exempt securities issued by states and political subdivisions in the U.S. (included in Schedule RI, item l.d.(3)) 5. Number of full-time equivalent employees at end of current period (round to nearest whole number) Memorandum item 6 is to be completed by.• (I) • banks with $300 mi/lion or more in total assets, and • banks with less than $300 million in total assets that have loans to finance agricu/tuna! production and other loans to farmers (Schedule RC-C, part I, item 3J exceeding five percent of total loans 6. Interest and fee income on loans to finance agricultural production and other loans to farmers (included in Schedule RI, item l.a.(5)) 7. If the reporting bank has restated its balance sheet as a result of applying push down accounting this calendar year, report the date of the bank's acquisition (2) 8. Trading revenue (from cash instruments and derivative instruments) (sum of Memorandum items 8.a through 8.e must equal Schedule RI, item 5.c) (To be completed by banks that reported average trading assets (Schedule RC-K, item 7) of $2 million or more for any quarter of the preceding calendar year.): ~. Interest rate exposures . Foreign exchange exposures c. Equity security and index exposures d. Commodity and other exposures e. Credit exposures 9. Net gains (losses) recognized in earnings on credit derivatives that economically hedge credit exposures held outside the trading account: a. Net gains (losses) on credit derivatives held for trading b. Net gains (losses) on credit derivatives held for purposes other than trading 10. To be completed bybanks with $300 million or more in total assets: (1) Credit losses on derivatives (see instructions) 11. Does the reporting bank have a Subchapter Selection in effect for federal income tax purposes for the current tax year? Memorandum item 12 is to be completed bybanks that are required to complete Schedule RC-C, part I, Memorandum items 8.b and 8. c. 12. Noncash income from negative amortization on closed-end loans secured by 1-4 family residential properties (included in Schedule RI, item i.a.(1)(a)) Memorandum item 13 is to be completed bybanks that ha ve e%cted to account for assets and liabilities under a fair value option. 13. Net gains (losses) recognized in earnings on assets and liabilities that are reported at fair value under a fair value option: a. Net gains (losses) on assets (1) Estimated net gains (losses) on loans attributable to changes in instrument-specific credit risk b. Net gains (losses) on liabilities (1) Estimated net gains (losses) on liabilities attributable to changes in instrument-specific credit risk FFIEC 041 Page RI-3 7 _ Year-to-date RIAD BII I MII I Thou 45 ~ --OJ M.1 84 ~ ~ N/AI M.2 433 i 701 M.3 45G? j 300 M.4 . `:'''~~- Number 415~~~ i 255 M.5 `~ :1 4024 565 M.6 RIAD CCYY/MM/DD 91D6 0 M.7 Year-to-date RIAD Bil I Mil I Thou 8757 N/A M.8.a 8758 NIA M.8.b 8759 N/A M.B.c 8760 N/A M.S.d F186 N/A 0889 ____ _ ___-_._o M.8.e M.9.a C890 274 ~ -~ M.9.b A251 0 ~ M.10 RIAD YES / NO A53o YES M.11 Year-to-date RIAD BII I MII I Thou "•~ A~ M.12 ti''~ M.13.a F F F554T1 r. A M.13.a.1 I A M.13.b -,'~ NlA1 M.13.b.1 (~~ fhe asset size tests and the five percent of total loans test are generally based on the total assets and total loans reported on the June 30, 2008, Report of Condition. (2) For example, a bank acquired on March 1, 2008, would report 2008/03/01 American Trust ~ Savings Bank Legal Title of Bank FDIC Certificate Number: 13150 Submitted to CDR on 4/21/2009 at 1:04 PM chedule ®A®Chanes in an{c Eui Capital Indicate decreases and losses in parentheses. Dollar Amounts in Thousands RIAD I Bil I Mil I Thou 1. Total bank equity capital most recently reported for the December 31, 2008, Reports of Condition ~ _ after adjustments from amended Reports of Income) and Income (i.e. 3217 74,68E , 2. Restatements due to corrections of material accounting errors and changes in accounting principles* 8507 C 3. Balance end of previous calendar year as restated (sum of items 1 and 2) 8508 74,688 4. Net income (loss) attributable to bank (must equal Schedule RI, item 14) 4340 1,088 conversion, acquisition, or retirement of capital stock, net (excluding treasury stock transactions) 5. Sale B509 0 , 6. Treasury stock transactions, net B51o 0 7. Changes incident to business combinations, net 4356 0 8. LESS: Cash dividends declared on preferred stock 4470 0 9. LESS: Cash dividends declared on common stock 4460 1,300 10. Other comprehensive income (1) 8511 21 11 0th t coons with arent holdin com an * (not included in items 5 6 8 or 9 above) 4415 0 er ransa p g p y , 12. Total bank equity capital end of current period (sum of items 3 through il)(must equal Schedule RC, item 27.a) FFIEC 041 Page RI-4 !~ 1 2 3 4 5 6 7 8 9 10 11 ~ -- - 3210 ~ 74,497 12 * Describe on Schedule RI-E -Explanations. (1) Includes changes in net unrealized holding gains (losses) on available-for-sale securities, changes in accumulated net gains (losses) on cash flow hedges, and pension and other postretirement plan-related changes other than net periodic benefit cost. Schedule RI®®Charge~offs and Recoveries on loans and Leases and Changes in Allowance for loan and lease losses dart I. Charge-offs and Recoveries on Loans and Leases Part I includes eharge-offs and recoveries through the allocated transfer risk reserve. Dollar Amounts in Thousands RIAD 1. Loans secured by real estate: a. Construction, land development, and other land loans: (1) 1-4 family residential construction loans (2) Other construction loans and all land development and other land loans b. Secured by farmland c. Secured by 1-4 family residential properties: (1) Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit (2) Closed-end loans secured by i-4 family residential properties: (a) Secured by first liens (b) Secured by junior liens d. Secured by multifamily (5 or more) residential properties e. Secured by nonfarm nonresidential properties: (1) Loans secured by owner-occupied nonfarm nonresidential propertie (2) Loans secured by other nonfarm nonresidential properties 2. Loans to depository institutions and acceptances of other banks 3. Not applicable 4. Commercial and industrial loans 5. Loans to individuals for household, family, and other personal expenditures: a. Credit cards b. Other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards) 6. Loans to foreign governments and official institutions 7. Ali other loans (2) 8. Lease financing receivables 9. Total (sum of items 1 through 8) (Column A) I (Column B) Charge-offs (1) Recoveries Calendar year-to-date Bil I Mil (Thou RIAD B(I (Mil (Thou ~eq~ ~ - - -~ ~ ~_ , ~~ I - - -~ ~ i.a.i C693 301 0894 0 La.2 3584 0 3585 0 - - - l.b l ~ ' ~ _ - -- Fsaii _ _ G; sale 0 __ . . _ i.c.i 1 C234 0 C217 D i.c.2.a C235 0 C216 0 1.c.2.b 3588 0 3589 0 ~ l.d C895 0 C896 0 l.e.l C897 0 Ca98 0 1.e.2 4481 0 4482 0 2 ~ ~ I ac ~ a o~~ 571 4 _ - s i ---- --- B516 62 6517 1 5.b 4643 0 4627 0 6 4644 0 4628 0 7 4266 0 4267 0 $ 4635 456 4605 60 9 (1) Include write-downs arising from transfers of loans to aheld-for-sale account. (2) Includes charge-offs and recoveries on "Loans to finance agricultural production and other loans to farmers," "Obligations (other than securities and leases) of states and political subdivisions in the U.S.," and "Other loans." ,4meriran Trust Sc Savings Bank FFIEC 041 Legal Title of Bank Page RI-5 FDIC Certificate Number: 13150 ~ Submitted to CDR on 4/21/2009 at 1:04 PM ~chedt~le RI® C®n~inu~d Part I. Continued (Column A) (Column B) Charge-offs (1) Recoveries Memoranda Calendar year-to-date Dollar Amounts in Thousands RIAD Bil I Mil I Thou RIAD Bil I Mil I Thou ^ 1. Loans to finance commercial real estate, construction, and land s ~ { x ~t + ,`. L r ~,' `; development activities (not secured by real estate) included in ~_' ih ~~ ' ~~' ~' ~='= ~ Schedule RI-B, part I, items 4 and 7, above 5' ~ ~ ~I ~~ ~ 0 M.1 2. Memorandum items 2.a through 2.d are to be completed r - ~ 4 1 r E ~. ~Y ~ k ~ by banks with $300 million or more in total assets.' (2) ~ n ` ~ f ''~ ~ - a. Loans secured by real estate to non-U.S. addressees (domicile) ~ '~ Y O~ M 2 i i~ I included in Schedule RI-B art I, item 1, above) 4c -- ( ' p - T . .a . ? - ~ -~ ~ ':I ~ ~ b. Loans to and acceptances of foreign banks `- ~ I 0 (included in Schedule RI-B, part I, item 2, above) 4F I ~ M.2.b ~~" Commercial and industrial loans to non-U.S. addressees (domicile) ' - ~ c . (included in Schedule RI-B, part I, item 4, above) 4H ~_ _ '~ ~- ` ' 0 M.2.c d. Leases to individuals for household, family, and other personal ~' `~ -~ - 0 expenditures (included in Schedule RI-B, part I, item 8, above) F7~ M.2.d 3. Memorandum item 3 is to be completed by.' (Z) :~ A ' ~ F • banks with 300 mi//ion or mare in total assets and , , $ ~ _~~ _ _ o banks with less than $300 million in total assets that have loans to r finance agricultura/ production and other loans to farmers _ ;I ~ _ (Schedule RC-C, part I, item 3) exceeding five percent oftotal loans• - Loans to finance agricultural production and other loans to " - ~ ' ' farmers (included in Schedule RI-B, part I, item 7, above) x655 0 4665 0 M.3 Memorandum item 4 is to be completed by banks that (1) together with affiliated ,cations, have outstanding credit card receivab/es (as defined in the instructions) tnat exceed $SOO million as of the report date or (2) are credit card specialty banks as defined for Uniform Bank Performance Report purposes Calendar year-to-date 4. Uncollectible retail credit card fees and finance charges reversed against income (i.e., not included RIAD BII I MII I Thou in charge-offs against the allowance for loan and lease losses) C3BB N/A M.4 (1) Include write-downs arising from transfers of loans to aheld-for-sale account. (2) The $300 million asset size test and the five percent of total loans test are generally based on the total assets and total loans reported on the June 30, 2008, Report of Condition. American Trust & Savings Bank Legal Title of Bank FDIC Certificate Number: 13150 Submitted to CDR on 4/21/2009 at 1:04 PM FFIEC 041 Page RI-6 1® rule I® ~tiu Part II. Changes in Allowance for Loan and Lease Losses 1. Balance most recently reported for the December 31, 2008, Reports of Condition and Income (i.e., after adjustments from amended Reports of Income) 2. Recoveries (must equal part I, item 9, column B, above) 3. LESS: Charge-offs (must equal part I, item 9, column A, above less Schedule RI-B, part II, item 4) 4. LESS: Write-downs arising from transfers of loans to aheld-for-sale account 5. Provision for loan and lease losses (must equal Schedule RI, item 4) 6. Adjustments* (see instructions for this schedule) 7. Balance end of current period (sum of items 1, 2, 5, and 6, less items 3 and 4) (must equal Schedule RC, item 4.c) Dollar Amounts in Thousands ~ RIAD ( Bii I Mu I Thou 8522 8,226 1 4605 60 2 ~~ C079 456 3 5523 0 4 4230 1,599 5 C233 0 6 3123 ~ ~~ -_ 9,429 7 Memoranda Dollar Amounts in Thousands ~ RIAD ~ Bli I Mil I Thou ~ 1. Allocated transfer risk reserve included in Schedule RI-B, part II, item 7, above c435 0 M.1 Memorandum items Z and 3 are to be rnmpleted by banks that (1) together with affiliated institutions, have outstanding credit card receivables (as defined fn the instructions) that exceed $500 million as of the report date or (2) are credit card specia/ty banks as defined for Uniform Bank Performance Report purposes 2. Separate valuation allovance for uncollectible retail credit card fees and finance charges- 3. Amount of allowance for loan and lease losses attributable to retail credit card fees and finance charges Memorandum item 4 is to be comp/eted by a//banks, 4. Amount of allowance for post-acquisition losses on purchased impaired loans accounted for in accordance with AICPA Statement of Position 03-3 (included in Schedule RI-B, part II, item 7, above) * Describe on Schedule RI-E-Explanations. Ame~7can Trust ~ savings Bank Legal Title of Bank FDIC Certificate Number: 13150 Submitted to CDR on 4/21/2009 at 1:04 PM schedule R® xlar>;ati®ns ,nedule RI-E is to be completed each quarter on a calendar year-to-date basis. Detail all adjustments in Schedule RI-A and RI-B, all extraordinary items and other adjustments in Schedule RI, and all significant items of other noninterest income and other noninterest expense in Schedule RI. (See instructions for details.) Year-to-date Dollar Amounts in Thousands RIAD Bil I Mil I Thou 1. Other noninterest income (from Schedule RI, item 5.1) _..,, ,,,..-...;ti„ ~.,,,,.~.,t~ „~oarp~ rt,an k7S nnn thAf PXCPPCj 3% of Schedule RI, item 5.1: h. j• 2. 0 i. m. n. 3. Ex ItE a.(1) (2) b.(1) (2) c.(1) (2) a. Income and fees from the printing and sale of checks Coi3 0 b. Earnings on/increase in value of cash surrender value of life insurance Co14 75 c. Income and fees from automated teller machines (ATMs) 0016 0 d. Rent and other income from other real estate owned 4042 0 e. Safe deposit box rent Cois 0 f. Net change in the fair values of financial instruments accounted for under a fair value option F229 0 g. Bank card and credit card interchange fees F555 407 4461 Fees on mortgage loans sold 4461 456 4462 Debit Card transaction fees 4462 65 4463 4463 - 0 - -~-.- Cher noninterest expense (from Schedule RI, item 7.d) temize and describe amounts greater than $25,000 that exceed 3% of Schedule RI, item 7.d: ~ ~ ~ ~~ ~' TEXT a. Data processing expenses coil 321 b. Advertising and marketing expenses 0497 291 c. Directors'fees 4136 0 d. Printing, stationery, and supplies C018 87 e. Postage 8403 0 f. Legal fees and expenses 4141 75 g. FDIC deposit insurance assessments 4146 422 h. Accounting and auditing expenses F556 0 i. Consulting and advisory expenses F557 0 j. Automated teller machine (ATM) and interchange expenses F558 367 k. Telecommunications expenses F559 112 4464 Expense of Trust Service Referrals 4464 116 4467 Repossession Expense 4467 83 4468 Travel & Entertainment 4468 76 -~ traordinary items and other adjustments and applicable income tax effect (from Schedule RI, :m 11) (itemize and describe all extraordinary items and other adjustments): TEXT 4469 f ~ ,. ~_" ~.~ :-. --T- ~ -=1 `'"~~ ~ 0 Applicable income tax effect 4466 0 _ '. '. ; 4487 as=.~ 0 Applicable income tax effect 4489 4488 0 ____ `'~`~ 0. Aoolicable income tax effect 4491 0 ~_ J FFIEC 041 Page RI-7 11 l.a i.b l.c l.d i.e l.f l.g 1.h l.i l.j 2.a 2.b 2.c 2.d 2.e 2.f 2.g 2.h 2.i 2.j 2.k 2.1 2.m 2.n 3.a.1 3.a.2 3.b.1 3.b.2 3.c.1 3.c.2 American 'Trust & Savings Bank Legal Title of Bank FDIC Certificate Number: 13150 Submitted to CDR on 4/21/2009 at 1:04 PM cdul I®ninu 4, Restatements due to corrections of material accounting errors and changes in accounting prindples (from Schedule RI-A, item 2) (itemize and describe all restatements): a, 8526 b. 6527 5. Other transactions with parent holding company (from Schedule RI-A, item 11) (itemize and describe all such transactions): a. 449s b 4499 6. Adjustments to allowance for loan and lease losses (from Schedule RI-B, part II, item 6) (itemize and describe all adjustments): a. 4521 b. 4522 7. Other explanations (the space below is provided for the bank to briefly describe, at its option, any other significant items affecting the Report of Income): Comments? 4521 4522 FFIEC 041 Page RI-8 12 4.a 4.b 6.a 6.b RIAD YES / NO 4769 NO 7 Other explanations (please type or print clearly): American Trust Sc Savings Bank Legal Title of Bank Dubuque City IA 52004-0438 State Zip Code =DIG Certificate Number: 13150 Submitted to CDR on 4/21/2009 at 1:04 PM Consolidated sport of Condition for Insured Cornrnercial and State®Cartere avings an{cs for arch 3, 20 All schedules are to be reported in thousands of dollars. Unless otherwise indicated, report the amount outstanding as of the last business day of the quarter. chedule RC®alance hest ASSETS 1. Cash and balances due from depository institutions (from Schedule RC-A): a. Noninterest-bearing balances and currency and coin (1) b. Interest-bearing balances (2) 2. Securities: a. Held-to-maturity securities (from Schedule RC-B, column A) b. Available-for-sale securities (from Schedule RC-B, column D) 3. Federal funds sold and securities purchased under agreements to resell: a. Federal funds sold b. Securities purchased under agreements to resell (3) 4. Loans and lease financing receivables (from Schedule RC-C): a. Loans and leases held for sale b. Loans and leases, net of unearned income c. LESS: Allowance for loan and lease losses d. Loans and leases, net of unearned income and allowance (item 4.b minus 4.c)_ ceding assets (from Schedule RC-D) 6. Premises and fixed assets (including capitalized leases) 7. Other real estate owned (from Schedule RC-M) 8. Investments in unconsolidated subsidiaries and associated companies (from Schedule 9. Not Applicable 10. Intangible assets: a. Goodwill b. Other intangible assets (from Schedule RC-M) 11. Other assets (from Schedule RC-F) 12. Total assets (sum of items 1 through 11) Dollar Amounts in Thousands ~ RCON ~ Bil I Mil I Thou FFIEC 041 Page RC-1 13 0081 28,028 i.a 0071 47,237 l.b 1754 301 2.a 1773 108,242 2.b 6987 ~ 0 3.a 698E 0 3.b - ~~ ~ 52 ~ 4.a 8528 676,468 . _ 4.b 3123 9,429 ~ ~ 4.c 6529 667,039 4.d 3545 0 5 2145 15,111 6 2150 7,267 7 ~_M) _ 2130 0 ., ,I 8 3163 ~ 0 10.a 0426 1, 754 10. b 2160 16,462 11 z17o 891,793 12 (1) Includes cash items in process of collection and unposted debits. (2) Includes time certificates of deposit not held for trading. (3) Includes all securities resale agreements, regardless of maturity. Ameriean Trust 8c Savings Bank Legal Title of Bank FDIC Certificate Number: 13150 Submitted to CDR on 4/21/2009 at 1:04 PM chduf R n~inue LIABILITIES 13. Deposits: a. In domestic offices (sum of totals of columns A and C from Schedule RC-E (1) Noninterest-bearing (1) (2) Interest-bearing b. Not applicable 14. Federal funds purchased and securities sold under agreements to repurchase: a. Federal funds purchased (2) b. Securities sold under agreements to repurchase (3) 15. Trading liabilities (from Schedule RC-D) 16. Other borrowed money (includes mortgage indebtedness and obligations under capitalized leases) (from Schedule RC-M) 17. and 18. Not applicable 19. Subordinated notes and debentures (4) 20. Other liabilities (from Schedule RC-G) 21. Total liabilities (sum of items 13 through 20) 22. Not applicable EQUITY CAPITAL Bank Equity Capital 23. Perpetual preferred stock and related surplus 24. Common stock 25. Surplus (excludes all sure-us related to preferred stock) 26. a. Retained earnings b. Accumulated other comprehensive income (5) c. Other equity capital components (6) 27. a. Total bank equity capital (sum of items 23 through 26.c) b. Noncontrolling (minority) interests in consolidated subsidiaries _ 28. Total equity capital (sum of items 27.a and 27.b) 29. Total liabilities and equity capital (sum of items 21 and 28) FFIEC 041 Page RC-2 14 Dollar Amounts in Thousands ~ RCON ( BII I Mil I Thou Memorandum To be reported with the March Report of Condition. 1. Indicate in the box at the right the number of the statement below that best describes the most comprehensive level of auditing work performed for the bank by independent external auditors as of any date during 2008 1 =Independent audit of the bank conducted in accordance with generally accepted auditing standards by a certified public accounting firm which submits a report on the bank 2 =Independent audit of the bank's parent holding company conducted in accordance with generally accepted auditing standards by a certified public accounting firm which submits a report on the consolidated holding company (but not on the bank separately) 3 =Attestation on bank management's assertion on the effectiveness of the bank's internal control over financial reporting by a certified public accounting firm To be reported with the March Report of Condition. 2. Bank's fiscal year-end date (1) Includes total demand deposits and noninterest-bearing time and savings deposits. (2) Report overnight Federal Home Loan Bank advances in Schedule RC, item 16, "Other borrowed money." (3) Includes all securities repurchase agreements, regardless of maturity. (4) Includes limited-life preferred stock and related surplus. (5) Includes net unrealized holding gains (losses) on available-for-sale securities, accumulated net gains (losses) on cash flow hedges, and minimum pension liability adjustments. (6) Includes treasury stock and unearned Employee Stock Ownership Plan shares. 8993 14,222 14.a 8995 41,953 14.b 3548 0 15 ~i~~~2 ~; ,361 16 3200 ____ I 0 19 2930 10,898 20 2948 817,296 21 3838 0 Z3 3230 2,OOD 24 3839 30,000 25 3632 39,584 26.a B530 2,913 26.b A130 0 26.C 3210 74,497 27.a 3000 0 27.b G105 74,497 28 3300 891,793 29 RCON Number 6724 1 M.1 4 =Directors' examination of the bank conducted in accordance with generally accepted auditing standards by a certified public accounting firm (may be required by state chartering authority) 5 =Directors' examination of the bank performed by other external auditors (may be required by state chartering authority) 6 =Review of the bank's financial statements by external auditors 7 =Compilation of the bank's financial statements by external auditors 8 =Other audit procedures (excluding tax preparation work) 9 = No external audit work RCON MM / DD 8678 12/31 M.2 Ame°ican Trust & savings Bank Legal Title of Bank FDIC Certificate Number: 13150 Submitted to CDR on 4/21/2009 at 1:04 PM Schedule -A®Cash and alances ue Fr®r~l yep®sit®li`~ Instituti®ns ,iedule RC-A is to be completed only by banks with $300 million or more in total assets. Exclude assets held for trading. Dollar Amounts in Thousands RCON Bil I Mil I Thou 1. Cash items in process of collection, unposted debits, and currency and coin: _ - a. Cash items in process of collection and unposted debits oozo _ 11,190 b. Currency and coin 00, 10,104 2. Balances due from depository institutions in the U.S.: a. U.S. branches and agencies ofeforeign banks b. Other commercial banks in the U.S. and other depository institutions in the U.S._ 3. Balances due from banks in foreign countries and foreign central banks: a. Foreign branches of other U.S. banks b. Other banks in foreign countries and foreign central banks 4. Balances due from Federal Reserve Banks 5. Total (sum of items 1 through 4) (must equal Schedule RC, sum of items 1.a and i.b Schedule Ft- -Securities Exclude assets held for trading. Dollar Amounts in Thousands 1. U.S. Treasury securities 2. U.S. Government agency obligations (exclude mortgage-backed securities): a. Issued by U.S. Govemment- agencies (1) b. Issued by U.S. Government- sponsored agencies (2) 3. Securities issued by states and political subdivisions in the U.S. FFIEC 041 Page RC-3 15 l.a l.b ooz I ___ 0 2.a 001 ~ "(~44 2.b 0073 0 3.a 0074 442 3.b 0090 51,485 4 0010 75,265 5 Held-to-maturity Avai la ble-for-sale (Column A) (Column B) (Column C) (Column D) Amortized Cost Fair Value Amortized Cost Fair Value RCON BII I Mit I Thou RCON Bil I Mil l Thou RCON Bil I MII I Thou RCON 8il I Mil I Thou 0211 0 0213 0 1286 18,000 1287 18,000 1 - - ~i ~~ ' _ ~I 128 ~ ~~ 1 ~ _ ~ ~_ ~ " - ~_- - 01 2.a >- - ~ ~ __._ L~ LL -J 129-1 _ ~~ _ _= ~~`--_ ~ 1 . ;`18~ 2.b -- - - _ I -- - - -- - -- -~ 8496 I__.-~ - - 308497 ~ ~- 310 8498 ~ ~ ~ 34,187 8499-- 34,914 3 (1) Includes Small Business Administration "Guaranteed Loan Pool Certificates," U.S. Maritime Administration obligations, and Export-Import Bank participation certificates. (2) Includes obligations (other than mortgage-backed securities) issued by the Farm Credit System, the Federal Home Loan Bank System, the Federal Home Loan Mortgage Corporation, the Federal National Mortgage Association, the Financing Corporation, Resolution Funding Corporation, the Student Loan Marketing Association, and the Tennessee Valley Authority. American 'crust ~ Savings Ban4c Legal Title of Bank FDIC Certificate Number: 13150 Submitted to CDR on 4/21/2009 at 1:04 PM chuf~ C® ®nt6nue (1) Report Federal Reserve stock, Federal Home Loan Bank stock, and bankers' bank stock in Schedule RC-F, item 4, b FFIEC 041 Page RC-4 16 Aene~ican Trust & Savings Bank Legal Title of Bank FDIC Certificate Number: 13150 Submitted to CDR on 4/21/2009 at 1:04 PM ~hedute C® ®nt~nued moranda Dollar Amounts in Thousands 1. Pledged securities (1) 2. Maturity and repricing data for debt securities (1, 2) (excluding those in nonaccrual status): a. Securities issued by the U.S. Treasury, U.S. Government agencies, and states and political subdivisions in the U.S.; other non-mortgage debt securities; and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of: (3, 4) (1) Three months or less (2) Over three months through 12 months (3) Over one year through three years (4) Over three years through five years (5) Over five years through 15 years (6) Over 15 years b. Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of: (3, 5) (1) Three months or less (2) Over three months through 12 months (3) Over one year through three years (4) Over three years through five years (5) Over five years through 15 years (6) Over 15 years c. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS; exclude mortgage pass-through securities) with an expected average life of: (6) (1) Three years or less (2) Over three years d. Debt securities with a REMAINING MATURITY of one year or less (included in Memorandum items 2.a through Z.c above) 3. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or trading securities during the calendar year-to-date (report the amortized cost at date of sale or transfer) 4. Structured notes (included in the held-to-maturity and available-for-sale accounts in Schedule RC-B, items 2, 3, 5, and 6): a. Amortized cost b. Fair value FFIEC 041 Page RC-5 17 RCON Bii I Mil I Thou 0416 82,345 M.1 A549 20,434 M.2.a.1 A55o 7,328 M.2.a.2 A551 22,744 M.2.a.3 A552 15,272 M.2.a.4 A553 18,805 M.2.a.5 A554 D M.2.a.6 A555 33 M.2.b.1 A556 0 M.2.b.2 A557 1,894 M.2.b.3 A556 0 M.2.b.4 A559 4,506 M.2.b.5 A56D 0 M.2.b.6 ,~ a A561 17,527 M.2.c.i A562 D M.2.c.2 ,;~~~~~ I _- __,5 M.2.d ,,', - 0 M.3 8782 00 M.4.a 8783 01 M.4.b (1) Includes held-to-maturity securities at amortized cost and available-for-sale securities at fair value. (2) Exclude investments in mutual funds and other equity securities with readily determinable fair values. (3) Report fixed rate debt securities by remaining maturity and floating rate debt securities by next repricing date. (4) Sum of Memorandum items 2.a.(1) through 2.a.(6) plus any nonaccrual debt securities in the categories of debt securities reported in Memorandum item 2.a that are included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, sum of items 1, 2, 3, 5, and 6, columns A and D, plus mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages included in Schedule RC-B, item 4.a, columns A and D. (5) Sum of Memorandum items 2.b.(1) through 2.b.(6) plus any nonaccrual mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, item 4.a, sum of columns A and D, less the amount of mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages included in Schedule RC-B, item 4.a, columns A and D. (6) Sum of Memorandum items 2.c.(1) and 2.c.(2) plus any nonaccrual "Other mortgage backed securities" included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, item 4.b, sum of columns A and D. American Trust ~ Savings Bank Legal Title of Bank FDIC Certificate Number: 13150 Submitted to CDR on 4/21/2009 at 1:04 PM the tale ®Cr~tinue Memo2nda -Continued Dollar Amounts in Thousands Memorandum items 5.a through S.fare to be completed by banks with $1 billion or more in total assets: (Z) 5. Asset-backed securities (ABS)(for each column, sum of Memorandum items 5.a through 5.f must equal Schedule RC-B, item 5): a. Credit card receivables~ b. Home equity lines c. Automobile loans d. Other consumer loans- e. Commercial and industrial f. Other FFIEC 041 Page RC-6 1~ Held-to-maturity Available-for-sale (Column A) (Column B) (Column C) (Column D) Amortized Cost Fair Value Amortized Cost Fair Value RCON Bil I MII I Thou RCON BII I MII I Thou RCON Bil I MII I Thou RCON Bil I Mil I Thou - -- - ''~ ~ °t~ ,`~~ _ r '« ;I`. 6838 N/A 8839 N/A Ba4o NIA 8841 N/A M.5.a 8842 N/A 8843 N/A 8844 N/A 8845 N/A M.S.b 8846 N/A 8847 N/A 8848 N/A 6649 N/A M.S.c 6650 N/A 8851 N/A 6852 N/A 8853 N/A M.s.d 8854 N/A B855 N/A 6856 NIA 6857 N/A M.S.e 8858 N/A 8859 N/A 6660 N/A 8861 N/A M.S.f (1) The $i billion asset size test is generally based on the total assets reported on the June 30, 2008, Report of Condition. American Trust & Savings Bank Legal Title of Bank FDIC Certificate Number: 13150 Submitted to CDR on 4/21/2009 at 1:04 PM schedule ®L®an~ and L~a~ Financin eciva les ,rt I. Loans and Leases e for loan and lease losses or the allocated transfer risk n t th ll D t d d e a owa c o no e uc risk reserve from amounts reported in this schedule. Report (Column A) (1) loans and leases held for sale at the lower of cost or fair value, To Be Completed (2) loans and leases held for investment, net of unearned income, and by Banks with (3) loans and leases accounted for at fair value under a fair value option. $300 Million or More Exclude assets held for trading and commercial paper. in Total Assets (1) Dollar Amounts in Thousands RCON BII I MII I Thou 1. Loans secured by real estate: a. Construction, land development, and other land loans: (1) 1-4 family residential construction loans (2) Other construction loans and all land development and other lanri Inane b. Secured by farmland (including farm residential and other improvements)- c. Secured by 1-4 family residential properties: (1) Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit (2) Closed-end loans secured by 1-4 family residential properties: (a) Secured by first liens (b) Secured by junior liens d. Secured by multifamily (5 or more) residential properties e. Secured by nonfarm nonresidential properties: (1) Loans secured by owner-occupied nonfarm nonresidential (2) Loans secured by other nonfarm nonresidential properties .oans to depository institutions and acceptances of other banks a. To commercial banks in the U.S.: (1) To U.S. branches and agencies of foreign banks (2) To other commercial banks in the U.S. b. To other depository institutions in the U.S. c. To banks in foreign countries: (1) To foreign branches of other U.S. banks (2) To other banks in foreign countries 3. Loans to finance agricultural production and other loans to farmers 4. Commercial and industrial loans a. To U.S. addressees (domicile) b. To non-U.S. addressees (domicile) 5. Not applicable 6. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper): a. Credit cards b. Other revolving credit plans c. Other consumer loans (includes single payment, installment, and all student loans) 7. Loans to foreign governments and official institutions (including foreign central banks) 8. Obligations (other than securities and leases) of states and political subdivisions in tha I I S 9. Other Loans a. Loans for purchasing or carrying securities (secured and unsecured) b. All other loans (exclude consumer loans) 1764 ~; _ ,,> i.a.2 l.b l.c.l 1.c.2.a 1.c.2.b l.d 1.e.1 1.e.2 2 2.a.1 2.a.2 2.b 2.c.1 2.c.2 3 4 4.a 4.b ~ _ ~ ~~_.- ~. c;5 6.a _ 1 [ ,3P ~ 842 6.b s ~-- _ ; -- , ~ ~ ~ ~ ; _. .,662 6.c x ,° ~ - V ;,~ `, I 0 7 ., , ~ ,n r~ ti ,~ 3 ~ - s- - ~+ ;_~ ~1u7 6,270 8 _ x.563 24,300 9 1545 _ _ f~ Z0,2C 9.a 1564 4,098 , 9.b (Column H) To Be Completed by All Banks RCON ~ Bil I Mil I Thou ,. = i FFIEC 041 Page RC-7 19 ._~ ~ %",291 l.a.l ..-. ,., ~, . F159 53,401 f $j 1 ~~~0 26,187 ,{ <t ~ .. ~; 4 r -. ~. . r I L -'~~. .. ~ ;1 ~(t !t ,, i ~ ~ i '7,242 ~~ z r ~' L ;, 5367 44,592 } 5368 10,869 ~' 1460 16,792 167 ~'• 60,854 F161 86,054 (1~ I he $300 million asset size test is generally based on the total assets reported on the June 30, 2008, Report of Condition. American Trust & Savings Bank Legal Title of Bank FDIC Certificate Number: 13150 Submitted to CDR on 4/21/2009 at 1:04 PM chute ®~~ntinued Part I. C®ntinued Dollar Amounts in Thousands 10. Lease financing receivables (net of unearned income) a. Leases to individuals for household, family, and other personal expenditures (i.e., consumer leases) b. Ail other leases 11. LESS: Any unearned income on loans reflected in items 1-9 above 12. Total loans and leases, net of unearned income (sum of items 1 through 10 minus item li) (must equal Schedule RC, sum of items 4.a and 4.b) _ (Column A) To Be Completed by Banks with $300 Million or More in Total Assets (1) RCON Bil I MII I Thou F16? ! 0 P16~! D Memoranda Dollar Amounts in Thousands RCON ~ ell I MII I Thou 1. Loans and leases restructured and in compliance with modified terms (included in Schedule RC-C, part I, and not reported as past due or nonaccrual in Schedule RC-N, Memorandum item 1): ~ `` a. Loans secured by 1-4 family residential properties b. Other loans and all leases (exclude loans to individuals for household, family, and other personal expenditures 2. Maturity and repricing data for loans and leases (excluding those in nonaccrual status): a. Closed-end loans secured by first liens on 1-4 family residential properties (reported in Schedule RC-C, part I, item l.c.(2)(a), column B, above) with a remaining maturity or next repricing date of: (2, 3} (1) Three months or less (2) Over three months through 12 months (3) Over one year through three years (4) Over three years through five years (5) Over five years through 15 years (6) Over 15 years b. All loans and leases (reported in Schedule RC-C, part I, items 1 through 10, column B, above) IXCLUDING closed-end loans secured by first liens on 1-4 family residential properties (reported in Schedule RC-C, part I, item 1.c.(2)(a), column B, above) with a remaining maturity or next repricing date of: (2, 4) (1) Three months or less (2) Over three months through 12 months (3) Over one year through three years (4) Over three years<through five years (5) Over five years through 15 years (6) Over 15 years c. Loans and leases (reported in Schedule RC-C, part I, items 1 through 10, column B, above) with a REMAINING MATURITY of one year or less (excluding those in nonaccrual status) (Column B) To Be Completed by All Banks ~ F~~o ~ - iL," '~ -~- A564~ u - - ~. .,! _: 707 r~ 4,2571 A565 5,618 A566 16,677 A567 16, 376 A568 1,444 A569 A570 220 167,476 A571 150,951 A572 132, 369 A573 120,641 A574 32,224 A575 A247 ~ 6,286 - -- ;~ 313,457) FFIEC041 Page RC-8 2® 10 10.a 10.b 11. 12 M.l.a M.l.b M.2.a.1 M.2.a.2 M.2.a.3 M.2.a.4 M.2.a.5 M.2.a.6 M.2.b.1 M.2.b.2 M.2.b.3 M.2.b.4 M.2.b.5 M.2.b.6 M.2.c (1) The $300 million asset size test is generally based on the total assets reported on the June 30, 2008, Report of Condition. (2) Report fixed rate loans and leases by remaining maturity and floating rate loans by next repricing date. (3) Sum of Memorandum items 2.a.(1) through 2.a.(6) plus total nonaccrual closed-end loans secured by first liens on 1-4 family residential properties included in Schedule RC-N, item i.c.(2)(a), column C, must equal total closed-end loans secured by first liens on 1-4 family residential properties from Schedule RC-C, part I, item i.c.(2)(a), column B. (4) Sum of Memorandum items 2.b.(1) through 2.b.(6) plus total nonaccrual loans and leases from Schedule RC-N, sum of items 1 through 8, column C, minus nonaccrual closed-end laans secured by first liens on 1-4 family residential properties included in Schedule RC-N, item l.c.(2)(a), column C, must equal total loans and leases from Schedule RC-C, part I, sum of items 1 through 10, column B, minus total closed-end loans secured by first liens on 1-4 family residential properties from Schedule RC-C, part I, item l.c.(2)(a), column B. .American Trust & Savings Bank Legal Title of Bank FDIC Certificate Number: 13150 Submitted to CDR on 4/21/2009 at 1:04 PM schedule RC°®C®nttnue ,rt z. contiinued Memoranda -Continued Dollar Amounts in Thousands ~ RcoN ~ Bii I Mii I Tnou 3. Loans to finance commercial real estate, construction, and land development activities (not secured by real estate) included in Schedule RC-C, part I, items 4 and 9, column B (5) 4. Adjustable rate closed-end loans secured by first liens on 1-4 family residential properties (included in Schedule RC-C, part I, item i.c.(2)(a), column B) 5. To be completed by banks with $300 million or more in total assets: (6) Loans secured by real estate to non-U.S. addressees (domicile) (included in Schedule RC-C, part I, items S.a through l.e, column B) Memorandum item 6 is to be completed by banks that (1) together with afii/fated institutions, have outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the report date or (Z) are credit card specialty banks as defined for Uniform Bank Performance Report purposes 6. Outstanding credit card fees and finance charges included in Schedule RC-C, part I, item 6.a. Memorandum item 7 is to be comp/eted by a//banks. 7. Purchased impaired loans held for investment accounted for in accordance with AICPA Statement of Position 03-3 (exclude loans held for sale): rl~ihcF~nrlinn h~l~nrc b. Carrying amount included in Schedule RC-C, part I, items 1 through 9 8. Closed-end loans with negative amortization features secured by 1-4 family residential properties: a. Total carrying amount of closed-end loans with negative amortization features secured by 1-4 family residential properties (included in Schedule RC-C, part I, items l.c.(2)(a) and (b)) Memorandum items 8.6 and 8. c are to be completed by banks that had c%sed-end loans with negative amortization features secured by 1-4 family residential properties (as reported '~ Schedu/e RC-C, part I, Memorandum item 8. a.) as of December 31, 2008, that exceeded the lesser of $100 million or S percent of total loans and leases, net of unearned income (as reported in Schedule RC-C, part I, item 12, column B). b. Total maximum remaining amount of negative amortization contractually permitted on closed-end loans secured by 111 family residential properties c. Total amount of negative amortization on closed-end loans secured by 1-9 family residential properties included in the carrying amount reported in Memorandum item 8.a above 9. Loans secured by 1-4 family residential properties in process of foredosure (included in Schedule RC-C, part I, items l.c.(1), l.c.(2)(a), and l.c.(2)(b)) Memorandum items 10 and 11 are to be completed by banks that have e%cted to measure loans inc/uded in Schedule RC-C, part I, items 1 through 9, at fair va/ue under a fair value option. S0. Loans measured at fair value (included in Schedule RC-C, part I, items 1 through 9): a. Loans secured by real estate: (1) Construction, land development, and other land loans (2) Secured by farmland (including farm residential and other improvements) (3) Secured by 1-4 family residential properties: (a) Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit (b) Closed-end loans secured by 1-4 family residential properties: (1) Secured by first liens (2) Secured by junior liens FFIEC 041 Page RC-9 21 2745 I ~_ 181 M.3 537:,' i . ~ 71 ~ M.4 B83 M.5 W ~A M.6 C775 0 M.7.a C78( I -- _ ~ M.7.b ,, -~=--- = -O M.8.a r Fs,~ ~~ ,=a M.10.a.1 Fs~G ~~~ M.l0.a.2 i F ~- i. ~"~ - - - - M.SO.a.3.a ~ Fsai N/A M.SO.a.3.b.1 FSRJ N/A M.l0.a.3.b.2 (5) Exclude loans secured by real estate that are included in Schedule RC-C, part I, items l.a through l.e, column B. (6) The $300 million asset size test is generally based on the total assets reported on the June 30, 2008, Report of Condition. American Trust >3< Savings Bank Legal Titie of Bank FDIC Certificate Number: 13150 Submitted to CDR on 4/21/2009 at 1:04 PM the ute C®®ntin~e Part I. Continued Memoranda -Continued Dollar Amounts in Thousands RCON Bil I MII I Thou 10. a. (4) Secured by multifamily (5 or more) residential properties (5) Secured by nonfarm nonresidential properties b. Commercial and industrial loans 10. c. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper): (1) Credit cards (2) Other revolving credit plans (3) Other consumer loans (includes single payment, installment, and all student d. Other loans l i. Unpaid principal balance of loans measured at fair value (reported in Schedule RC-C, part I, Memorandum item 10): a. Loans secured by real estate: (1) Construction, land development, and other land loans (2) Secured by farmland (including farm residential and other improvements)- (3) Secured by 1-4 family residential properties: (a) Revolving, open-end loans secured by 1-4 family residential properties and extended under Tines of credit (b) Closed-end loans secured by 1-4 family residential properties: (1) Secured by first liens (2) Secured by junior liens (4) Secured by multifamily (5 or more) residential properties (5) Secured by nonfarm nonresidential properties b. Commercial and industrial loans c. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper): (1) Credit cards (2) Other revolving credit plans (3) Other consumer loans (includes single payment, installment, and all student d. Other loans Dollar Amounts in Thousands 12. Loans (not subject to the requirements of AICPA Statement of Position 03-3) and leases held for investment that were acquired in business combinations with acquisition dates in the current calendar year: a. Loans secured by real estate b. Commercial and industrial loans c. Loans to individuals for household, family, and other personal expenditures d. All other loans and all leases (Column A) Fair value of acquired loans and leases at acquisition date RCON ~ Bif I Mil I Thou F584 N/A F585 N/A N/A NIA F589 FCO;~ IV/ F~~1 NI ~ ~< iT FF'~ N/ ~, F594 N/A F595 N/A F596 N/A F597 F598 N/A --- N/A F599 N/A (Column B) (Column C) Gross contractual Best estimate at amounts acquisition date of receivable at of contractual cash acquisition date flows not expected to be collected RCON ! BII I MII I Thou ~ RCON ~ Bil I Mil I Thou - ;+I GOS] 0 Grl9~ 0 Gt:!p:, 0 C r _ 0 0 G09~ , ~ ~ , ~n,t ~ G097 0 G098 0 G099 0 G100 0 G101 0 G102 0 FFIEC 041 Page RC-10 22 M.l0.a.4 M.l0.a.5 M.lO.b M.10.c.1 M.l0.c.2 M.l0.c.3 M.lO.d M.ll.a.i M.il.a.2 M.11.a.3.a M.li.a.3.b.1 M.il.a.3.b.2 M.11.a.4 M.ll.a.5 M.ll.b M.11.c.1 M. i 1.c.2 M.ll.c.3 M.11.d M.12.a M.12.b M.12.c M.12.d Ameeiean Trust & Savings Bank Legal Title of Bank FDIC Certificate Number: 13150 Submitted to CDR on 4/21/2009 at 1:04 PM fiche u9e -- T'I-ain see and Liabilities .hedule RC-® is to be completed by banks that reported average trading assets (Schedule RC-IC, item 7) of 2 million or more in any of the four preceding calendar quarters. Dollar Amounts in Thousands ASSETS 1. U.S. Treasury securities 2. U.S. Government agency obligations (exclude mortgage-backed securities) 3. Securities issued by states and political subdivisions in the U.S. 4. Mortgage-backed securities (MBS): a. Pass-through securities issued or guaranteed by FNMA, FHLMC, or GNMA b. Other mortgage-backed securities issued or guaranteed by FNMA, FHLMC, or GNMA (include CMOs, REMICs, and stripped MBS) c. All other mortgage-backed securities 5. Other debt securities 6. Loans: a. Loans secured by real estate: (1) Construction, land development, and other land loans (2) Secured by farmland (including farm residential and other improvements) (3) Secured by 1-4 family residential properties: (a) Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit (b) Closed-end loans secured by 1-4 family residential properties: (1) Secured by first liens (2) Secured by junior liens (4) Secured by multifamily (5 or more) residential properties (5) Secured by nonfarm nonresidential properties b. Commercial and industrial loans e. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper): (1) Credit cards (2) Other revolving credit plans (3) Other consumer loans (includes single payment, installment, and all student loans) d. Other loans 7, and 8. Not applicable 9. Other trading assets 10. Not applicable il. Derivatives with a positive fair value 12. Total trading assets (sum of items 1 through il) (must equal Schedule RC, item 5) FFIEC 041 Page RC-11 23 RCON ~ Bil I Mil I Thou -j 3531 f ~~N/A 1 3532 N/A 2 3533 N/A 3 353 ~.'/A - - --- 4.a 3535 N/A 4.b 3536 N/A 4.C 3537 N/A :='f. 5 N/A 6.a.1 F6D., N/A F6ot ~~ ~ ~1'A ~~ ~ 6.a.2 6.a.3.a F6o7 N/A 6.a.3.b.1 F61i N/A 6.a.3.b.2 F612 N/A 6.a.4 ~~ F613 N/A 6.a.5 ' F61a N/A 6.b F615 N!A 6.G1 F616 N/A 6.c.2 F6i7 N/A 6.c.3 F618 N/A - - - r- 6.d N/A 9 3543 N/A 11 3545 N/A 12 LIABILITIES RCON Bil I MII I Thou 3546 N/A 13.a 13. a. Liability for short positions F624 N/A 13.b b. Other trading liabilities 14. Derivatives with a negative fair value 3547 N/A 14 15. Total trading liabilities (sum of items 13.a through 14) (must equal Schedule RC, item 15) 3548 N/A 15 American 7"rust & Savings Bank Legal Title of Bank FDIC Certificate Number: 13150 Submitted to CDR on 4/21/2009 at 1:04 PM Schedule ~- - ntinu Memoranda Dollar Amounts in Thousands RCON ~ Bil I MII I Thou 1. Unpaid principal balance of loans measured at fair value (reported in Schedule RC-D, items 6.a.(1) through 6.d): a. Loans secured by real estate: ~ ~ { '~ (1) Construction, land development, and other land laans (2) Secured by farmland (including farm residential and other improvements)- (3) Secured by 1-4 family residential properties: (a) Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit (b) Closed-end loans secured by 1-4 family residential properties: (1) Secured by first Liens (2) Secured by junior liens (4) Secured by multifamily (5 or more) residential properties (5) Secured by nonfarm nonresidential properties b. Commercial and industrial loans c. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper): (1) Credit cards (2) Other revolving credit plans (3) Other consumer loans (includes single payment, installment, and all student d. Other loans 2. Not applicable 3. Loans measured at fair value that are past due 90 days or more:(1) a. Fair value b. Unpaid principal balance Memorandum items 9 through 10 are to be completed by banks that reported average trading assets (Schedule RC-K, item 7) of.~'1 bil/ion or more in any of the four preceding ca/endar quarters: 4. Asset-backed securities: a. Residential mortgage-backed securities b. Commercial mortgage-backed securities c. Credit card receivables d. Home equity lines e. Automobile loans f. Other consumer loans g. Commercial and industrial loans h. Other 5. Collateralized debt obligations: a. Synthetic b. Other 6. Retained beneficial interests in securitizations (first-loss or equity tranches) 7. Equity securities: a. Readily determinable fair values b. Other 8. Loans pending securitization FFIEC 041 Page RC-12 24 F625 N/A M.i.a.i F6z6 Poz~% ~~ N/A N/A ` M.i.a.2 M.i.a.3.a F628 N/A M.l.a.3.b.1 ~Zg N/A M.i.a.3.b.2 w3o N/A M.l.a.4 F63i N/A M.l.a.5 F632 N/A M.l.b F633 N/A M.l.c.l F634 N/A M.l.c.2 F635 N/A M.1.c.3 F636 F6~~ N/A N/A M.l.d M.3.a F6an L__ ._.__ _.__N/A M.3.b Fb41 (_.___ N/A N/A N/A F648 I N/A F651 I N/H F652 ~-- N/A cFCa NiA M.4.a M.4.b M.4.c M.4.d M.4.e M.4.f M.4.g M.4.h M.S.a M.S.b M.6 M.7.a M.7.b M.8 American Trust >Sc Savings dank FFIEC 041 Legal Title of Bank Page RC-13 FDIC Certificate Number: 13150 25 Submitted to CDR on 4/21/2009 at 1:04 PM schedule C® ®ninued ~moranda -Continued Dollar Amounts in Thousands RCON Bii i M(I ~ Thou 9. Other trading assets (itemize and describe amounts included in Schedule RC-D, item 9, ; ,~ ~ that are greater than $25,000 and exceed 25% of the item): a. b. c. F655 N/A F656 N/A F657 F655 N/A M.9.a F656 N/A M.9.b N/A F657 N/A M.9.C 10. Other trading liabilities (itemize and describe amounts included in Schedule RC-D, item "j 13.b, that are greater than $25,000 and exceed 25% of the item): '~ _ __ ~ a F658 N/A F658 ~ TN/A M.l0.a b F659 N/A F659 N/A M.l0.b ~. F660 NIA F660 N/A M.l0.C American Trust & Savings Bank Legal Title of Bank FDIC Certificate Number: 13150 Submitted to CDR on 4/21/2009 at 1:04 PM chug - a®sit Lsbilitis Deposits o1 1. Individual (include 2. U.S. Gove 3. States an 4. Commerci institutiol 5. Banks in 6. Foreign gc (including 7. Total (sun columns ~ item 13.a Memoranda 1. Selected components of total deposits (i.e., sum of item 7, columns A and C): a. Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts b. Total brokered deposits c. Fully insured brokered deposits (included in Memorandum item 1.b above): (1) (1} Brokered deposits issued in denominations of less than $100,000 (2) Brokered deposits issued in denominations of $100,000 and certain brokered retirement deposit accounts d. Maturity data for brokered deposits: (1) Brokered deposits issued in denominations of less than $100,000 with a remaining maturity of one year or less (included in Memorandum item 1.c.(1) above) (2) Brokered deposits issued in denominations of $100,000 or more with a remaining maturity of one year or less (included in Memorandum item S.b above) e. Preferred deposits {uninsured deposits of states and political subdivisions in the U.S. reported in item 3 above which are secured or collateralized as required under state law) (to be completed for the December report only) 2. Components of total nontransaction accounts (sum of Memorandum items 2.a through 2.c must equal item 7, column C above): a. Savings deposits: (1) Money market deposit accounts (MMDAs) (2) Other savings deposits (excludes MMDAs) b. Total time deposits of less than $100,000 c. Total time deposits of $100,000 or more (1) Individual Retirement Accounts (IRAs) and Keogh Plan accounts included in Memorandum item 2.c, "Total time deposits of $100,000 or more," above 1 2 3 4 5 6 7 6 l '.647 M.i.a 23~~s~ '~ 000 M.l.b ~~ ! 23~_ ! 1.000 M.i.c.i - - 23~?~~ j 0 M.i.c.2 - , A ~~ 000, M.i.d.l ' _ ---- t ~ A'ta ~ M.l.d.2 ra:, 5~~ IV/A~ M.l.e ~- :. 6810 155,175 M.Z.a.i 0352 35,876 M.2.a.2 6648 247,483 M.2.b 2604 129,185 M.2.c F233T~ 5,856' M.2.C.1 (1) Report brokered retirement deposit accounts eligible for $250,000 in deposit insurance coverage in Memorandumitem l.c.(1) only if they have been issued in denominations of less than $100,000 (see instructions). Report brokered retirement deposit accounts in Memorandum item 1.c.(2) if they have been issued either in denominations of exactly $100,000 through exactly $250,000 or in denominations greater than $250,000 and participated out by the broker in shares of exactly $100,000 through exactly $250,000 or less. FFIEC 041 Page RC-14 ~6 Nontransaction Transaction Accounts Accounts (Column A) (Column B) (Column C) Total transaction Memo: Total Total accounts (including demand deposits nontransaction total demand (included in accounts Dollar Amounts in Thousands deposits) column A) (including MMDAs) RCON BII I MII I Thou - _ RCON BII I Mil I Thou ~ RCON BII I MII I Thou -- and corporations partnerships s ~ _ 1 , , II certified and official checks) _ 8549 139,244 , , 8550 543,098 rnment 2202 24 ~ ' 2520 0 1 political subdivisions in the U.S. 2203 11 534 i ' 2530 24,421 31 banks and other depository -~- ' ~ ~ `- ~' a , ~ `~ - ~ ~~ s in the U.S. 8551 4,343 ~ '1 0552 200 oreign countries 2213 0 ~,;~~ r , ", -~F 0 vernments and official institutions _ -~~ _~~ °~~ ~ _ forei n central banks 9 ) 2~' ~ ' _ ~ _ - ~'t ~ - _' r °,`t i ~ 0 of items 1 through 6) (sum of '' ~ ~ ~ ~ ~ ' ~ _ -~ and C must equal Schedule RC ~_ , 2215 155,145 2210 87,893 ,_ 2385 567,719 Dollar Amounts in Thousands RCON Bil (MII I Thou n American Trust & Savings f3ank Legal Title of Bank FDIC Certificate Number: 13150 Submitted to CDR on 4/21/2009 at 1:04 PM Schuh C® ®C®ntinued ,emoranda -Continued Dollar Amounts in Thousands 3. Maturity and repricing data for time deposits of less than $100,000: a. Time deposits of less than $100,000 with a remaining maturity or next repricing date of: (1, 2) (1) Three months or less (2) Over three months through 12 months (3) Over one year through three years (4) Over three years b. Time deposits of less than $100,000 with a REMAINING MATURITY of one year or less (included in Memorandum items 3.a.(1) and 3.a.(2) above) (3) 4. Maturity and repricing data for time deposits of $100,000 or more: a. Time deposits of $100,000 or more with a remaining maturity or next repricing date of: (1, 4) (1) Three months or less (2) Over three months through 12 months (3) Over one year through three years (4) Over three years b. Time deposits of $100,000 or more with a REMAINING MATURITY of one year or less (included in Memorandum items 4.a.(1) and 4.a.(2) above) (3) (1) Report fixed rate time deposits by remaining maturity and floating rate time deposits by next repricing date. (2) Sum of Memorandum items 3.a.(1) through 3.a.(4) must equal Schedule RC-E, Memorandum item 2.b. (3) Report both fixed and floating rate time deposits by remaining maturity. Exclude floating rate time deposits with a next repricing date of one year or less that have a remaining maturity of over one year. "` Sum of Memorandum items 4.a.(1) through 4.a.(4) must equal Schedule RC-E, Memorandum item 2.c. FFIEC 041 Page RC-15 27 RCON ~ BII I Mil I Thou - .. ,.. 1 A579 112,966 M.3.a.1 A59o 79,785 M.3.a.2 A581 32,179 M.3.a.3 A582 ~- ~ 22,553 .-_- - M.3.a.4 A564~_ 70,718 M.4.a.1 A565 46,125 M.4.a.2 A586 9,342 M.4.a.3 A587 3,000 M.4.a.4 A24z I 116,84 M.4.b American Trust & Savings Bank Legal Title of Bank FDIC Certificate Number: 13150 Submitted to CDR on 4/Zl/2009 at 1:04 PM the ule ~- then seats Dollar Amounts in Thousands RCON BII I Mil I Thou 1. Accrued interest receivable (1) 8556 4,834 2. Net deferred tax assets (2) 3. Interest-only strips receivable (not in the form of a security) (3) on: a. Mortgage loans 2148 _ _ A519 391 _ __ 0 b. Other financial assets A520 0 4. Equity securities that DO NOT have readily determinable fair values (4) 1752 3,126 5. Life insurance assets 0009 6,556 t th 25 000 th t d 25% f thi it m) All th t it i d d ib t 6 2168 1,555 escr e amoun s grea er an $ , a excee o s e er asse s ( em ze an . o ' TEXT a. 2166 1,311 ` b 1578 0 ~, colo 0 d. Retained interests in accrued interest receivable related to ' C436 0 t ~.; e. 3549 3549 0 , f. 3550 3550 0 :".`'~. ~° g 3551 3551 0 , 7. Total (sum of items 1 through 6) (must equal Schedule RC, item il) 2160 chedule R-ter Liabilities Dollar Amounts in Thousands RCON 1, a. Interest accrued and unpaid on deposits (5) 3645 b. Other expenses accrued and unpaid (includes accrued income taxes payable) 3646 2. Net deferred tax liabilities (2) 3049 3. Allowance for credit losses on ofF balance sheet credit exposures 6557 4. All other liabilities (itemize and describe amounts greater than $25,000 that exceed 25% of this item) 2938 TEXT , a 3066 b, CO11 C. 2932 C012 e 3552 3552 f, 3553 3553 g. 3554 3554 5. Total (sum of items 1 through 4) (must equal Schedule RC, item 20) (1) Includes accrued interest receivable on loans, leases, debt securities, and other interest-bearing assets, (2) See discussion of deferred income taxes in Glossary entry on "income taxes." (3) Report interest-only strips receivable in the form of a security as available-for-sale securities in Schedule RC, item 2.b, or as trading assets in Schedule RC, item 5, as appropriate. (4) Includes Federal Reserve stock, Federal Home Loan Bank stock, and bankers' bank stock. (5) For savings banks, include "dividends" accrued and unpaid on deposits. 6,005 ~~~. 0 0. 0 0 16,461 Bil I Mil I Thou 3,487 1,391 0 0 6,018 r,~ 2930 10,896 FFIEC 041 Page RC-16 28 i 2 3.a 3.b 4 5 6 6.a 6.b 6.c 6.d 6.e 6.f 6.g 7 l.a l.b 2 3 4 4.a 4.b 4.C 4.d 4.e 4.f 4.g 5 American Trust 6c Savings Bank Legal Title of Bank FDIC Certificate Number: 13150 Submitted to CDR on 4/21/2009 at 1:04 PM schedule C- ua er9y Averages (1) ASSETS 1. Interest-bearing balances due from depository institutions 2. U.S. Treasury securities and U.S. Government agency obligations (2) (excluding mortgage-backed securities) 3. Mortgage-backed securities (2) 4. All other securities (2, 3) (includes securities issued by states and political subdivisions in the U.S.) 5. Federal funds sold and securities purchased under agreements to rese~l- 6. Loans: a. Total loans b. Loans secured by real estate: (1) Loans secured by 1-4 family residential properties (2) All other loans secured by real estate c. Commercial and industrial loans d. Loans to individuals for household, family, and other personal expenditures: (1) Credit cards (2) Other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards) 7. To be completed by banks with .$100 million or more in total assets: (4) Trading assets 8. Lease financing receivables (net of unearned income) 9. Total assets (5) Dollar Amounts in Thousands LIABILITIES Interest-bearing transaction accounts (NOW accounts, ATS accounts, and telephone and preauthorized transfer accounts) (exclude demand deposits) il. Nontransaction accounts: a. Savings deposits (includes MMDAs) b. Time deposits of $100,000 or more c. Time deposits of less than $100,000 12. Federal funds purchased and securities sold under agreements to repurchase 13. To be completed by banks with $'100 million or more in total assets: (4) Other borrowed money (includes mortgage indebtedness and obligations under capitalized leases) Memorandum Dollar Amounts in Thousands 1. Memorandum item 1 is to be completed by.• (4) • banks with $300 mil/ion or more in total assets, and ® banks with less than $300 million in total assets that ha ve loans to finance agricultural production and other loans to fanners (Schedule RC-C, part I, item 3) exceeding five percent of total loans Loans to finance agricultural production and other loans to farmers. (1) For all items, banks have the option of reporting either (1) an average of DAILY figures for the quarter, or (2) an average of WEEKLY figures (i.e., the Wednesday of each week of the quarter). (2) Quarterly averages for all debt securities should be based on amortized cost. (3) Quarterly averages for all equity securities should be based on historical cost. (4) The asset size tests and the five percent of total loans test are generally based on the total assets and total loans reported on the June 30, 2008, Report of Condition. (~` The quarterly average for total assets should reflect all debt securities (not held for trading) at amortized cost, equity :curities with readily determinable fair values at the lower of cost or fair value, and equity securities without readily determinable fair values at historical cost. FFIEC 041 Page RC-17 29 RCON ~ BII I Mil I Thou 33E ~ ____ _ =81 ' 1 - 8558 49,373 2 8559 - 23,311 --~-- -- 3 ~ B56D 33,058 4 3365 74 5 3360 ~ ~ ~~=B2~ 6.a 3465 93,513 6.b.1 3466 316,184 6.b.2 3387 198,448 6.C I 8567 ''°55 6.d.1 3401 .___ 0 7 3484 0 8 3368 887,586 9 '-f ~: ~ 1" i 3485 ~ . _ ~ 30 10 6563 194,692 11.a A514 125,163 11.b A529 245,338 11.c 3353 64,772 a-- - ~ 12 26,227 33551 13 RCON Bil (Mil I Thou i , , M.1 American Trust 8c Savings Bank FFIEC a41 Legal Title of Bank Page RC-18 FDIC Certificate Number: 13150 30 Submitted to CDR on 4/21/2009 at 1:04 PM cttedute ®L® erivat~ves and stance heat Itet~t~ Please read carefully the instructions for the preparation of Schedule RC-L. Some of the amounts reported in Schedule RC-L are regarded as volume indicators and not necessarily as measures of risk. Dollar Amounts in Thousands RCON ~ BII I MII I Thou 1. Unused commitments: - home equity lines open-end lines secured by i-4 family residential properties, e.g. Revolving a ='~+i~" ~°-,648 l.a , , . b. Credit card lines _~,.1 ;x,462 r 1.b c. (1) Commitments to fund commercial real estate, construction, and land development loans secured by real estate: ~ ' ' 486 F1!= ~ x i c i a (a) 1-4 family residential construction loan commitments , . . . (b) Commercial real estate, other construction loan, and land s development loan commitments Flr~ ~u 829 ~ _ __ _ 1.c.i.b and land development loans construction (2) Commitments to fund commercial real estate 4 , , NOT secured by real estate 6550 0 1.c.2 d. Securities underwriting 3817 0 1.d e. Other unused commitments 3818 221,200 i.e 2. Financial standby letters of credit 3619 24,740 2 Item 2.a is to be comp/eted by banks with $1 bi//ion or more in tots/assets 1 - a. Amount of financial standby letters of credit conveyed to others 3azo N/A _, 2.a 3. Performance standby letters of credit 3~~1 _ 0 ~,: 3 Item 3.a is to be comp/eted by banks with ~1 bi//ion or more in tots/assets 1 t '~ a. Amount of performance standby letters of credit conveyed to others 38zz N/A ~ - J 3.a 4. Commercial and similar letters of credit 34_1L _ _ _- 0 4 5. Not applicable Securities lent (including customers' securities lent where the customer is indemnified 6 ~'''E~` ~~ . against loss by the reporting bank) 3a~ _~ __ 0 6 (Column A) (Column 6) r 7. Credit derivatives: Guarantor Beneficiary a. NOtl0nal amounts: RCON Bil I MII I Thou RCON ail I MII I Thou ~ s ~ i (1) Credit default swaps C968 0 C969 0 =, ~ '~ 7.a.(1) (2) Total return swaps C97o 0 C97i 0 i, ' = i 7.a.(2) (3) Credit options 0972 0 0973 0 ~~; `, ~ ~ 7.a.(3) (4) Other credit derivatives 0974 0 0975 0 ~ 7.a.(4) b. Gross fair values: - s (1) Gross positive fair value C2i9 _ 0 0221 0 r ;;= ,, 7.b.(1) (2) Gross negative fair value Czzo 0 0222 0 ~; 7.b.(2) . 8. Spot foreign exchange contracts _ 87` ~~ y 0~ 8 9. All other off-balance sheet liabilities (exclude derivatives) (itemize and describe each component ~ _ ~ of this item over 25% of Schedule RC, item 27.a, 'Total bank equity capital") oI 34 ~ _ 9 TEXT' a. 3432 0 ~ 9.a b. _ 3434 0 Ys - "{ { 4.b c. Standby letters of credit issued by a Federal Home Loan Bank _ , C978 0 .~ ; ~ 9.c d. 3555 3555 0} I1 ~~ 9.d e. 3556 3556 0 ,~,r ; 9.e f. 3557 3557 0 ~ "~I 9.f All other off-balance sheet assets (exclude derivatives) (itemize and describe each component 10 ~ . of this item over 25% of Schedule RC, item 27.a, 'Total bank equity capital") ) sSUi 1 0 10 TEXT ~ . _ _ 3435 0 ! ~ ` ~ 10.a b. 5592 5592 0 ~ '~ 10.b C. 5593 5593 0 j 10.C d. 5594 5594 0 ~ ° 10.d e. 5595 5595 0 i 10.e (1) The $1 billion asset size test is generally based on the total assets reported in the June 30, 2008, Report of Condition. Ameriean Trust & Savings Bank Legal Title of Bank FDIC Certificate Number: 13150 Submitted to CDR on 4/21/2009 at 1:04 PM ~chte RC®!.ntinue FFIEC 041 Page RC-19 31 Dollar Amounts in Thousands RCON I Tril i Bil I Mii ~ Thou ~ --- - - -i il. Year-to-date merchant credit card sales volume: _' a. Sales for which the reporting bank is the acquiring bank C2z3 12,852 il.a b. Sales for which the reporting bank is the agent bank with risk czz4 0 ii.b Dollar Amounts in Thousands (Column A) (Column B) (Column C) (Column D) Interest Foreign Equity Commodity Derivatives Position Indicators Rate Exchange Derivative and Other Contracts Contracts Contracts Contracts 12. Gross amounts (e.g., notional amounts) '- ~ ~ ~.--_ _, (for each column, sum of items 12.a through Tril IBiI Mil iThou ;~ ~ Tril IBiI IMiI Thou Tril IBII IMiI (Thou > , Tril ~Bil IMiI iThou 12.e must equal SUm Of Items 13 and 14): RCON 8693 ~ z` RCON 8694 =j4~ ~ RCON 8695 `-,'`' RCON 8696 a. Futures contracts 0 ~'~ 0 ~ ~~ 0 :~ '' 0 12.a RCON 8697 °~! RCON 8698 RCON 8699 RCON 8700 b. Forward contracts 0 0 , ~, 0 : ,4; 0 12.b c. Exchange-traded option contracts: RcoN 8701 ~ RCON 8702 - ~ RCON 8703 RCON 8704 (1) Written options 0 0 ; , ,, 0 ~ ~ ~_ ,, ~ 0 12.c.1 RCON 8705 h' RCON 8706 RCON 8707 r RCON 8708 (2) Purchased options 0 !~ 0 _ 0 ~ '; i 0 12.c.2 '~~ ~ RCON 8710 ~ of '' RCON 8711 RCON 8712 - - tion contracts: RCON 8709 , j d. Over the counter op (1) Written options 42 297 ~: ~ 0 _- '`~ 0 z `_~ 0 12.d,1 ,` RCON 8713 RCON 8714 RCON 8715 RCON 8716 (2) Purchased options 0 `.' 0 0 0 12.d.2 RCON 3450 ~`_ i RCON 3826 RCON 8719 ~ RCON 8720 e. Swaps 0~ 0 `' t 0 j 0 12.e ? ~ Total gross notional amount of RCON A126 ~ RCON A127 RCON 8723 - ; RCON 8724 ~~ ierivative contracts held for trading _ _ ~ i-_ _- t ~ _ _ e 0 ~ ~ 0 13 14. Total gross notional amount of _ _ ~ ~ .--~ =- ~_`~ derivative contracts held for RCON 8725 a I~~ ~ °~ 1 ~~: r ~ ,. i G == i.. ~zs purposes other than trading 42 297 - _ _ _ ~, `_ I _ ___' ~~I 0 14 a. Interest rate swaps where the bank RCON A589 , , ~ - has agreed to pay a fixed rate _ `~ _ _ ~` ~ - 14.a 15. Gross fair values of derivative contracts: _ ~_''~_ ` ~ ~ ~~` ~` ~~ ~ '~ _ --== RCON 8733 , • ~ ~ RCON 8734 i RCON 8735 RCON 8736 a. Contracts held for trading: (1) Gross positive fair value 0 ~ 0 0 0 15.a.1 RCON 8737 RCON 8738 RCON 8739 RCON 8740 (2) Gross negative fair value 0 '' ~ _ ~_0 I _ _ 0 ~ ~ ~ 0 15.a.2 b. Contracts held for purposes other - _` ~' --.~ - - ~ " than trading: RCON 8741 '- RCON 8742 RCON 8743 ~i { RCON 8744 (1) Gross positive fair value 274 ~ `~J 0 ~,~ D 0 15.b.1 RCON 8745 RCON 8746 ? ' ;. i RCON 8747 `' ~ RCON 8748 (2) Gross negative fair value 0 : -: 0 /: 0 __ ~ 0 15.b.2 American Trust & Savings Bank FFIEC 041 Legal Title of Bank Page RC-20 FDIC Certificate Number: 13150 32 Submitted to CDR on 4/21/2004 at 1:04 PM the uie ernr°an Dollar Amounts in Thousands RCON BII I Mil I Thou 1. Extensions of credit by the reporting bank to its executive officers, directors, principal shareholders, and their related interests as of the report date: - ~~ a. Aggregate amount of all extensions of credit to all executive officers, directors, principal ~ _ _ -' shareholders, and their related interests 61ba Jl 035 1.a b. Number of executive officers, directors, and principal shareholders to whom the amount of ` '~ ~', all extensions of credit by the reporting bank (including extensions of credit to ~ E t `' : related interests) equals or exceeds the lesser of $500,000 or 5 percent RCON Number r ; of total capital as defined for this purpose in agency regulations 6165 9 ~ ~ l.b 2. Intangible assets other than goodwill: ~ .. 3~ a r~ "' ~ 75~ 2 a a. Mortgage serviang assets _ . (1) Estimated fair value of mortgage servicing assets A59o 1,754 _____ _ _ : ' 2.a.1 b. Purchased credit card relationships and nonmortgage servicing assets x026 0 2.b c. All other identifiable intangible assets 5507 0 2.c d. Total (sum of items 2.a, 2.b, and 2.c) (must equal Schedule RC, item 10.b) oa26 1,754 2.d 3. Other real estate owned: ~'~ a. Direct and indirect investments in real estate ventures 5~ ~ _ 0~ 3.a b. Ali other real estate owned: (1) Construction, land development, and other land 5508 7,267 3.b.1 (2) Farmland 5509 0 3.b.2 (3) 1-4 family residential properties ssio 0 3.b.3 (4) Multifamily (5 or more) residential properties 5511 0 3.b.4 (5) Nonfarm nonresidential properties 5512 0 3.b.5 (6) Foreclosed properties from "GNMA loans" 0979 0 3.b.6 c. Total (sum of items 3.a and 3.b) (must equal Schedule RC, item 7) ziso 7,267 3.c ~ Investments in unconsolidated subsidiaries and associated companies: 4 ~ -~ - s i . a. Direct and indirect investments in real estate ventures 5374 0 4.a All other investments in unconsolidated subsidiaries and associated companies b 5375 0 4.b . c. Tota) (sum of items 4.a and 4.b) (must equal Schedule RC, item 8) 2130 0 4.c S. Other borrowed money: a. Federal Home Loan Bank advances: ~ ~~ _ ,t. '! (1) Advances with a remaining maturity or next repricing date of: (1) _.__-_ ~-_ ---!: (a) One year or less Fo55 10,000 5.a.l.a (b) Over one year through three years Fos6 15,000 5.a.l.b (c) Over three years through five years Fo57 0 5.a.i.c (d) Over five years Fo58 0 5.a.l.d (2) Advances with a REMAINING MATURITY of one year or less (included in item ~' - 5.a.(1)(a) above) (2) . -' 2651 10,000 S.a.2 (3) Structured advances (included in items S.a.(1)(a) - (d) above) F059 0 ' 5.a.3 b. Other borrowings: = ! ~ (1) Other borrowings with a remaining maturity or next repricing date of; (3) ~ , ~ ' '' (a) One year or less F060 2,361 5.b.l.a (b) Over one year through three years F061 0 5.b.l.b (c) Over three years through five years F062 0 5.b.l.c (d) Over five years Fo63 0 5.b.i.d ~ (2) Other borrowings with a REMAINING MATURITY of one year or less (included in _ __„_ _ ' item 5.b.(1)(a) above) (4) 6571 2,361 5.b.2 c. Total (sum of items 5.a.(1)(a)-(d) and items 5.b.(1)(a)-(d)) (must equal Schedule RC, item 16) 3190 27,361 5.c (1) Report fixed rate advances by remaining maturity and Floating rate advances by next repricing date. (2) Report both fixed and floating rate advances by remaining maturity. Exclude floating rate advances with a next repricing date of one year or less that have a remaining maturity of over one year. (3) Report fixed rate other borrowings by remaining maturity and floating rate other borrowings by next repricing date. (4) Report both Flxed and floating rate other borrowings by remaining maturity. Exclude floating rate other borrowings with a next repricing date of one year or less that have a remaining maturity of over one year. American Trust ~c Savings i9ank FFIEC 041 Legal Title of Bank Page RC-21 FDIC Certificate Number: 13150 ~~ Submitted to CDR on 4/Zl/2009 at 1:04 PM schedule ®ntonue Dollar Amounts in Thousands RCON YES / NO 6. Does the reporting bank sell private label or third party mutual funds and annuities? 8569. YES ~ 6 RCON Gil I MII I Thou 7. Assets under the reporting bank's management in proprietary mutual funds and annuities Bs~o 0 7 8. Primary Internet Web site address of the bank (home page), if any (Example: www.examplebank.com) 8 (TExr 4os7) http://www.americantrust.com allow the i e ability ti l ' RCON YES / NO . ., , cap ona s Internet Web sites have transac Do any of the bank 9 . their accounts through the Web site? ti ' 4088 YE5 9 ons on s customers to execute transac bank RCON Bil ~ Mil I Thou 10. Secured liabilities: Amount of "Federal funds purchased" that are secured (included in Schedule RC, item 14.a) F064 _ 0 10.a a. Amount of "Other borrowings" that are secured (included in Schedule RC-M, b . F065 2,361 10.b items 5.b.(1)(a)-(d)) American "trust & Savings Bank FFIEC X41 Legal Title of Bank Page RC-22 FDIC Certificate Number: 13150 34 Submitted to CDR on 4/21/2009 at 1:04 PM the ule -Nast ue and naccrual L®ans, Lea~e~, and ther A~set~ (Column A) (Column B) (Column C) Past due Past due 90 Nonaccrual 30 through 89 days or more days and still and still Dollar Amounts in Thousands RCON I BII I MII I Thou RCON ~ Bil (Mil I Thou RCON Bil I MII I Thou 1. Loans secured by real estate: '_, a. Construction, land development, and other land loans: ~ v ~ 7 ', `_ t. t ' I (1) 1-4 family residential construction loans F. __ ` 4 F~~ o~ ~~~~_f x,549 l.a.l (Z) Other construction loans and all land t ~ k _ _~ _ ____ development and other land loans Fi73 2,890 Fi75 1,951 Fi77 9,699 S.a.2 b. Secured by farmland 3493 0 3494 0 3495 0 l.b c. Secured by 1-4 family residential properties: ~ '' ~ r, ~ ~« ~~ ~~ (1) Revolving, open-end loans secured by _ ~~~ s x ~',` . 1-4 family residential properties and `' r h " 1~ ' ~a ~~ ~ i n~ si` i, T- 0 S.c.i extended under lines of credit 5- -~ (Z) Closed-end loans secured by 1-4 family L~ -~ , ~, ;: a ` ~- >„ -' ~~ - '~ ~~'I residential properties: ~'='- ~` (a) Secured by first liens 0236 134 cz37 0 C229 0 i.c.Z.a (b) Secured by junior liens 0236 0 C239 00230 0 l.c.Z.b d. Secured by mu-tifamily (5 or more) residential - ~!~:. ,_. properties 349u of __-~ ~ of ~s~u I 154 l.d e. Secured by nonfarm nonresidential properties: J (1) Loans secured by owner-occupied nonfarm ~ _ nonresidential properties Fi ~ ~ ' i `' _ ~ I ~~ ~' 0 l.e.l (Z) Loans secured by other nonfarm _~ .~ =~ _ ~ _, nonresidential properties Fi" ~ ~ ~ I ~ _; I i '~ ~ r~ ~ n47~ i.e.2 2. Loans to depository institutions and "' - r ---`.{ acceptances of other banks B8- _~ ~ r _ _~ ' of 2 3. Not applicable ~ .__ %'~ _ _ ~ ~~'i 4. Commercial and industrial loans 16C I _ ~ ~_ ~ i ~_ %~ ~ i ~ ~ ~ ' _ ~ ?32 4 5. Loans to individuals for household, family, L'° } •, and other personal expenditures: `~ _ ~ ~,_~ a. Credit cards BS% _ _ ~q F ,° ~ _ _~ _~ e _ ~ 5.a b. Other (includes single payment, installment, `~~ ~~ ~ ~ ' ~ all student loans, and revolving credit plans ~r ~_ I , _~ _ '` other than credit cards) 657 I ~ '~ r ° ~ = ~ ~ 5.b i 6. Loans to foreign governments and official __ ____ ~. ~ ~ ~_ __ `, _____ _._____ _ institutions 5389 0 539D 0 5391 0 6 7. All other loans (1) 5459 107 5460 0 5461 0 7 8. Lease financing receivables 1226 0 1227 0 1228 0 8 9. Debt securities and other assets (exclude other ~ _ ,--~-- ~-- ~ ~ - - - - real estate owned and other repossessed assets) 3505 0 3506 ~ 0 3507 y 0 9 (1) Indudes past due and nonaccrual "Loans to finance agricultural production and other loans to farmers," "Obligations (other than securities and leases) of states and political subdivisions in the U.S.," and "Other loans." American Trust ~ savings dank Legal Title of Bank FDIC Certificate Number: 13150 Submitted to CDR on 4/21/20D9 at 1:04 PM schedule tined counts reported in Schedule RC-N, items 1 through 8, above include guaranteed and unguaranteed portions of past due and nonaccrual loans and leases. Report in item 10 below certain guaranteed loans and leases that have already been included in the amounts reported in items 1 through 8. CI C Dollar Amounts in Thi 10. Loans and leases reported in items 1 through 8 above which are wholly or partially guaranteed by the U.S. Government a. Guaranteed portion of loans and leases included in item 10 above (exclude rebooked "GNMA b. Rebooked "GNMA loans" that have been repurchased or are eligible for repurchase included in item 10 above (Column A) (Column B) (o umn ) Past due Past due 90 Nonaccrual 30 through 89 days or more days and still and still RCON I 811 I MII I Thou RCON 1 Bil I Mil I Thou ~ RCON ~ 8il I MII I Thou _ ~ - __ _ ~ . ~ Y. _,,_ _ se z T - ____ _ ~ rl~ G el ~ 0 ~ ~ r -- ,~ sic 0 of ~~1, ~, - C866 T ~ ~ ~ 0 C867 ~ i~ 0 C868 ~ 0 FFIEC 041 Page RC-23 35 10 SO.a 10.b American Trust >~ Savings Bank Legal Title of Bank FDIC Certificate Number: 13150 Submitted to CDR on 4/21/2009 at 1:04 PM ee le -N®ntin~e Memoranda Dollar Amounts in FFIEC 041 Page RC-24 3S (Column A) (Column B) (Column C) Past due Past due 90 Nonaccrual 30 through 89 days or more days and still and still accruing accruing RCON ~ Bil I MII I Thou RCON I Bil I Mil I Thou ~RCON Bil I Mll I Thou 1. Restructured loans and leases included in Schedule RC-N, ;~ ~ E mm _,--,,-' items 1 through 8, above (and not reported in ~ r~ ~~~~, r ~ ~° ~ s ~ + Schedule RC-C, Part I, Memorandum item 1): ~ 1 r _ ti s - ,~_ _ , . ,. a. Loans secured by 1-4 family residential "`' ____ .. __~ ~. properties ~ah1 ~ r a~~_ o r ~~ 0 M.i.a b. Other loans and all leases (exclude loans to `~ t ; ~ ~ ~~ ~ r individuals for household, family, and other - ~, ~_~ personal expenditures) r~~ ~' ~ ~~'~~ ~ ~ i ~i ~ 450 M.1.b 2. Loans to finance commercial real estate, ~ >y- 7 , 4 i f , } 4v f~ i construction, and land development activities ,i s ,~~ r ~ ' ~ (not secured by real estate) ~ ~ ~ 5 included in Schedule RC-N, items 4 and 7, above 65s~, o; ~ss~ , o ~~o, 586 M.2 3. Memorandum items 3.a through 3.d are to be comp/eted A F ; ', ~ 4 ~ ~ ;` by banks with $300 million or more in total assets• (1) . ' ` `~ ~ -, a. Loans secured by real estate to non-U.S. addressees ° ." ° i ' '~ r ____ (domicile) (included in Schedule RC-N, item 1, above) 11' '' r i` I ~ '~ i~ ~ M.3.a T b. Loans to and acceptances of foreign banks `_ _~ T -1 (included in Schedule RC-N, item 2, above) 5-' ' - ~~ _L D M.3.b c. Commercial and industrial loans to non-U.S. v -~. ~ , addressees (domicile) (included in -~a_.I, '~: ~" ~ _ Schedule RGN, Item 4, above) 12 ~ _ _ ~~~~ i s~ _ o r ~~ ~_ _~ M.3.c d. Leases to individuals for household, family, _` ` ~ ~ ~ , F ' and other personal expenditures (included ` ~ -~~~~. _ ~~ ~' in Schedule RC-N, item 8, above) Fir ~ I F ~ ~ ~? c ~, c r, ~ 0 M,3.d -:- - ~ -- r ~{ ~ ~~ ~, Memorandum item 4 is to be completed by.• (IJ -~ x ~ ' t : ~` _ ' ® banks with $300 mil/ion or more in total assets ` k ~ "_~ I ~ Y ' ~' ' ~ ' ®banks with less than $300 million or more in total assets 3 ; , k + , t 1 that have /oans to finance agricultural production and ~ ~ z ~ t ~ ° ` r f ' other loans to fanners (Schedu/e RC-C, part 1, item 3) €~ E exceeding five percent oftotal /oans: ' ~ ~ (1 + f 3; s t ~ ~ r' ,' '~ ` ~ i ,,ti 4. Loans to finance agricultural production and other loans to i'~ _. ~.' s ., ~~_, ~~"f ~~ ~ `" ~~ farmers (included in Schedule RC-N, item 7, above) 15Pa ~ _ ~ ~_ ~ ~~ 0 M.4 5. Loans and leases held for sale and loans measured at fair _ ~ ~ ~ ,,: , value (included Schedule RC-N, items 1 through 8, above): ,'~__ . ~ __.__ } ~ ` ~_ a. Loans and leases held for sale Q4 I ~ >>~ ~ '~ ~,~ 0 M.S.a ~~_ -~ - b. Loans measured at fair value: _ _ (1) Fair value F664 ~ 0 F665 0 F666 0 M.5.b.1 (2) Unpaid principal balance F667 0 F668 0 F669 0 M.5.b.2 (1) The $300 million asset size test and the five percent of total loans test are generally based on the total assets and total loans reported on the June 30, 2008, Report of Condition. Submitted to CDR on 4/21/2009 at 1:04 PM chedule RC- ntinue Memoranda--Continued (Column A) (Column B) Past due 30 Past due 90 Dollar Amounts in Thousands through 89 days days or more Memorandum item 6 is to be comp/eted by RCON Bll I Mil i Thou RCON 811 I Mll I Thou banks with $300 mil/ion or more in total assets.' (1J `~ ; T 6. Interest rate, foreign exchange rate, and other commodity and equity contracts: =- --------- -- --- - Fair value of amounts carried as assets 3529 ~ 0 3530 0 M.6 RCON Bil I Mil I Thou 7. Additions to nonaccrual assets during the quarter c41o 9,616 M.7 8. Nonaccrual assets sold during the quarter tail 0 M.8 (1) The $300 million asset size test is generally based on the total assets reported on the June 30, 2008, Report of Condition. chedule R- that ata for eosit Insurance and i=IC Assesrnents All banks must complete items 1 and 2, Memorandum item 1, and, if applicable, Memorandum items 2, 3, and 4 each quarter. Each bank that reported $1 billion or more in total assets in its March 31, 2007, Report of Condition must complete items 4 and 5 each quarter. In addition, each bank that reported $1 billion or more in total assets in two consecutive Reports of Condition beginning with its June 30, 2007, report must begin to complete items 4 and 5 each quarter starting six months after the second consecutive quarter in which it reports total assets of $1 billion or more. Each bank that becomes insured by the FDIC on or after April 1, 2007, must complete items 4 and 5 each quarter. Any ^rher bank may choose to complete items 4 and 5, but the bank must then continue to complete items 4 and 5 each afar thereafter. Dollar Amounts in Thousands RCON Bil I M(I I Thou 1. Total deposit liabilities before exclusions (gross) as defined in Section 3(I) of the Federal ;6,351 1 Deposit Insurance Act and FDIC regulations F23F 2. Total allowable exclusions, including interest accrued and unpaid on allowable exclusions -_- __ _ _0 2 3. Not applicable ' 4. Total daily average of deposit liabilities before exclusions (gross) as defined in Section 3(I) - - ~ ' of the Federal Deposit Insurance Act and FDIC regulations F23t ' -- - I,~ 4 5. Total daily average of allowable exclusions, including interest accrued - -- and unpaid on allowable exclusions F2239 ~ N/A 5 Ameriean Trust & Savings Hank Legal Title of Bank FDIC Certificate Number: 13150 Submitted to CDR on 4/21/2009 at 1:04 PM schedule ~ntmnue Memorandum FFIEC 041 Page RC-26 38 Dollar Amounts in Thousands RCON ~ Bn I Mu I Thou 1. Total assessable deposits of the bank, including related interest accrued and unpaid . s (sum of Memorandum items l.a.(1), l.b.(1), l.c.(1), and l.d.(1) must equal Schedule ~'' " ~ RC-0, item 1 less item 2): ~ ~ ~ a. Deposit accounts (excluding retirement accounts) of $100,000 or less: (1) , ~- F > < 1 (1) Amount of deposit accounts (excluding retirement accounts) of $100,000 or less FI_IaU . ; 3,509 - -- M.i.a.l (2) Number of deposit accounts (excluding retirement accounts) RCON Number s of $100,000 or less (to be completed for the June report only) F05D N/A ~ ,` ~. M.l.a.2 b. Deposit accounts (excluding retirement accounts) of more than $100,000: (1) ~ ~~'- ' (1) Amount of deposit accounts (excluding retirement accounts) of more than $100, ' 916 ~ M.l.b.l (2) Number of deposit accounts (excluding retirement accounts) RCON Number _ _ , ~ of more than $100,000 Fo52 1,103 ~ ,_`-t ~ ~ M.l.b.2 c. Retirement deposit accounts of $250,000 or less: (1) '~ ' ~ (1) Amount of retirement deposit accounts of $250,000 or less Fe~as ~e,488 M.l.c.l (2) Number of retirement deposit accounts of $250,000 or less RCON Number t (to be completed for the June report only) F046 N/A ~ r + M.l.c.2 d. Retirement deposit accounts of more than $250,000: (1) ~~ `~~ ~ (1) Amount of retirement deposit accounts of more than $250,000 _ __ F:~; ~ '~ .438 M.i.d.1 RCON Number (2) Number of retirement deposit accounts of more than $250,000 Foae 5 } `' ? 1 M.l.d.2 Memorandum item 2 is to be comp/eted by banks with ~1 bi//ion or more in total assets; (2) 2. Estimated amount of uninsured assessable deposits, including related interest accrued and unpaid (see instructions) (3) _ 3. Has the reporting institution been consolidated with a parent bank or savings association in that parent bank's or parent saving association's Call Report or Thrift Financial Report? If so, report the legal title and FDIC Certificate Number of the parent bank or parent savings association: TEXT A545 Memorandum items Q a and 4.6 are to be comp/eted by a//banks participating in the FDIC Transaction Aceount Guarantee Program, 4. Noninterest-bearing transaction accounts (as defined in Part 370 of the FDIC's regulations) of more than $250,000 (see instructions): a. Amount of noninterest-bearing transaction accounts of more than $250,000 (including balances swept from noninterest-bearing transaction accounts to noninterest-bearing savings accounts). b. Number of noninterest-bearing transaction accounts of more RCON than $250,000 G168 5597 I ~`- N/A M.2 RCON FDIC Cert No. A545 0 M.3 RCON Bil i Mil I Thou ~._ . .., - G1~'~- -- "52 M.4.a Number 51 ~ M.4.b (1) The dollar amounts used as the basis for reporting in Memorandum items i.a through l.d reflect the deposit insurance limits in effect on the report date without taking into account the temporary increase in deposit insurance in effect through December 31, 2009. (2) The $1 billion asset size test is generally based on the total assets reported on the June 30, 2008, Report of Condition. (3) Uninsured assessable deposits should be estimated based on the deposit insurance limits set forth in Memorandum items i.a through l.d without taking into account the temporary increase in deposit insurance in effect through December 31, 2009, or a bank's participation in the FDIC's Debt Guarantee Program or Transaction Account Guarantee Program. Ame=ican Trust & Savings Bank Legal Title of Bank FDIC Certificate Number: 13150 Submitted to CDR on 4/21/2009 at 1:04 PM schedule R°®1°4 Flrnify sidentil ®Irtga asking Activities _nedule RC-P is to be completed by (1) all banks with $i billion or more in total assetsl and (2) banks with less than $1 billion in total assets at which either 1-4 family residential mortgage loan originations and purchases for resalez from all sources, loan sales, or quarter-end loans held for sale exceed $10 million for two consecutive quarters. Dollar Amounts in Thousands 1. Retail originations during the quarter of closed-end 1-4 family residential mortgage loans for sale:(2) a. Closed-end first liens . b. Closed-end junior liens c. Open-end loans extended under lines of credit: (1) Total commitment under the lines of credit (2) Principal amount funded under the lines of credit 2. Wholesale originations and purchases during the quarter of 1-4 family residential mortgage loans for sale:(2) a. Closed-end first liens b. Closed-end junior liens c. Open-end loans extended under lines of credit: (1) Total commitment under the lines of credit - (2) Principal amount funded under the lines of credit 3. 1-4 family residential mortgage loans sold during the quarter: a. Closed-end first liens b. Closed-end junior liens c. Open-end loans extended under lines of credit: (1) Total commitment under the lines of credit (2) Principal amount funded under the lines of credit " i-4 family residential mortgage loans held for sale at quarter-end (included in schedule RC, item 4.a): a. Closed-end first liens b. Closed-end junior liens c. Open-end loans extended under lines of credit: (1) Total commitment under the lines of credit (2) Principal amount funded under the lines of credit 5. Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family residential mortgage loans (included in Schedule RI, items 5.f, 5.g, and 5.i): a. Closed-end 1-4 family residential mortgage loans b. Open-end 1-4 family residential mortgage loans extended under lines of credit 6. Repurchases and indemnifications of i-4 family residential mortgage loans during the quarter: a. Closed-end first liens b. Closed-end junior liens c. Open-end loans extended under line of credit: (1) Total commitment under the lines of credit (2) Principal amount funded under the lines of credit FFIEC 041 Page RC-27 39 RCON I BII I Mil I Thou ~3: ; 'f F066 ~ 15 F067 0 La l.b ~F670 0 1.C.1 F671 0 1.C.2 <;~~' F068 0 2.a F069 0 - - -- - 2.b -- - ~-; F672 0 2.C.1 F673 0 2.c.2 .~,~. F07o 91,107 3.a F07_ i 0 3.b F674 ~ 3.c.1 F675 0 3.c.2 i~ I,~_ Fo72 ~~352 4.a F073 0 4.b _ _ _ ~- ~ F676 0 4.c.1 F677 0 4.c.2 RIAD ,' `, Fi84 713 5.a F560 ' 0 5.b . B . ` RCON _ F67a _ __ __. 275 6.a F679 0 6.b F6so -__~._....:._0 6.c.1 F681 0 6.c.2 (1) The $1 billion asset size test is generally based on the total assets reported on the June 30, 2008, Report of Condition. (2) Exclude originations and purchases of 1-4 family residential mortgage loans that are held for investment. .1 N O V ~ U ~ W ~ LL !~O ~ a a ~' O O ,',y tll ~ ~ M ~ ~ O O N .~-~ ~ ~ .X ~ O C Z ~ m i ~ ® ~ o a~ ~_ ~" U ~ aO1i ~ '~ J LL. to oT1 H i h c 'L E Q a~ ro C .~ N _ ~ CI :1.=, •U m ~ ~ J •~ L ~ ~ ^ 0 (~ N IA AW' C_ rrpw ~ tl! C V L V®• ~ ~ U U ~ fn ® O ~.. ~ O ~ O N N N i L ~ ~ u N ~ (O N ~ ~" N~ ~ _ Y N C `~ .O O ,~ S] O ~ ~ a ~ O d ~ I U > .NO `~ ~ O ~ +-' i ~ N a= ~ ~ N U .a.+ r~ (n N c 'o Z 3 ~ ~n to co ~ ° vii yrj J ~- (O Q (~O Q +-~ N M ro .--~ N N M ~' to ~O t~ American Trust ~ Savings Bank Legal Title of Bank FDIC Certificate Number: 13150 Submitted to CDR on 4/21/2009 at 1:04 PM ~cheufe R ulat®r°y C ital Dollar Amounts in Thousands ..:.r 1 capital 1. Total bank equity capital (from Schedule RC, item 27.a) 2. LESS: Net unrealized gains (losses) on available-for-sale securities (1) (if a gain, report as a positive value; if a loss, report as a negative value) 3. LESS: Net unrealized loss on available-for-sale EQUITY securities (1) (report loss as a positive value) 4. LESS: Accumulated net gains (losses) on cash flow hedges (1) (if a gain, report as a positive value; if a loss, report as a negative value) 5. LESS: Nonqualifying perpetual preferred stock 6. Qualifying noncontrolling (minority) interests in consolidated subsidiaries 7.a. LESS: Disallowed goodwill and other disallowed intangible assets b. LESS: Cumulative change in fair value of all financial liabilities accounted for under a fair value option that is included in retained earnings and is attributable to changes in the bank's own creditworthiness (if a net gain, report as a positive value; if a net loss, report as a negative value) 8. Subtotal (sum of items 1 and 6, less items 2, 3, 4, 5, 7.a, and 7.b) 9.a. LESS: Disallowed servicing assets and purchased credit card relationships b. LESS: Disallowed deferred tax assets 10. Other additions to (deductions from) Tier 1 capital il. Tier 1 capital (sum of items 8 and 10, less items 9.a and 9.b) Tier 2 capital 12. Qualifying subordinated debt and redeemable preferred stock 13. Cumulative perpetual preferred stock includible in Tier 2 capital 14. Allowance for loan and lease losses includible in Tier 2 capital 15. Unrealized gains on available-for-sale equity securities includible in Tier 2 capital 16. Other Tier 2 capital components ~er 2 capital (sum of items 12 through 16) lb. Allowable Tier 2 capital (lesser of item it or 17) 19. Tier 3 capital allocated for market risk 20. LESS: Deductions for total risk-based capital 21. Total risk-based capital (sum of items 11, 18, and 19, less item 20) Total assets for leverage ratio 22. Average total assets (from Schedule RC-K, item 9) 23. LESS: Disallowed goodwill and other disallowed intangible assets (from item 7.a above) 24. LESS: Disallowed servicing assets and purchased credit card relationships (from item 9.a above) 25. LESS: Disallowed deferred tax assets (from item 9.b above) 26. LESS: Other deductions from assets for leverage capital purposes 27. Average total assets for leverage capital purposes (item 22 less items 23 through 26) Adiustments for financial subsidiaries 28. a. Adjustment to Tier 1 capital reported in item it b. Adjustment to total risk-based capital reported 29. Adjustment to risk-weighted assets reported in ite 30. Adjustment to average total assets reported in ite Capital ratios (Column B is to be completed by all completed by banks with financial 3 1. Tier 1 leverage ratio (2) 32, Tier 1 risk-based capital ratio 33. Total risk-based capital ratio (4) 28.a 28.b 29 30 31 32 33 (1) Report amount included in Schedule RC, item 26.b, "Accumulated other comprehensive income." ('' The ratio for column B is item it divided by item 27. The ratio for column A is item 11 minus item 28.a divided by (item 27 minus item 30). ~ ie ratio for column B is item 11 divided by item 62. The ratio for column A is item 11 minus item 28.a divided by (item 62 minus item 29). (4) The ratio for column B is item 21 divided by item 62. The ratio for column A is item 21 minus item 28.b divided by (item 62 minus item 29). FFIEC 041 Page RC-29 41 RCON ~ BII I MiI (Thou _ ~ it 3270 - __ ;,,.,4971 1 - - -.-1 A22 I 0 ~ 3 I .. .__- '1f ~~ I 4336 0 4 8588 0 5 6589 0 6 8590 0 7.a ~' F264 0 7.b C227 71,584 8 8591 175 9.a 5610 0 9.b 8592 0 10 8274 71,409 11 5306 0 12 6593 0 13 5310 9,262 14 2221 0 15 8594 0 16 5311 9,262 17 8275 9,262 18 1395 0 19 8595 0 20 3792 80,671 21 3368 887,586 22 8590 0 23 8591 175 24 5610 0 25 6596 0 Z6 A224 887,411 27 CZ28 0 in item 21 8503 0 m 62 8504 0 m 27 BsoS 0 Column A is to be banks (Column A) (Column B) . subsidiaries ) RCON Percentage RCON Percentage . 7273 0.00% 7204 8.05% ) 7274 0.00% 7206 9.64% 7275 O.DO% 7205 3 10.89% M M M M M M '7'~ ~ V' [Y' O O ~ ~ ty, ~ O ,~ ~ C ~ C ~ 0 ~ C . .C U ~ ~ ~ O ~ ~ '~ U ~ .C + ~ i vl O 01 N j •~ 'O f3 . 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V1 UI ~ ^ ~ ~ 1 ~ N 1 In t I) 1 I tD l 0 O 7 C] ~I^I f0 L V 'D N 4- rV N nl N M nl ~ ~ ~ ~ ~ ~ 7 U f C ~ ~ ~ j 'm O t~ .c I `~ ~ ~ ~ Z n O M tD Qf N O ~ O ~o r~ n ~ n o 1~ n n n n O ~ ~ oo m w m w ~ o 0 0 0 0 0 ~ ~ ~ `c ^ ~ a~i - rn m ~ ~ ~ 'n C ~ N O1 O~ N N ~ ~ OTC N Lf) ~ ~ v u ' ' ~ c ~ -m I ~ i v E o ~ rn ~ 1 I b , ~ ~ ~ ~ ' u m(~ ~ ~ Z ~ t0 n O~ h N n Vl n OD n .-i O ~ •', ~ ' .-r h tY h Vl ~ y~ {llA1 r? ~ m m m o0 00 6 C: ; ;.. ;. p i lJ p i U ,~ •~ f p1- ~ O ~ ~ U I ~ ~ Q ~ ~ C N ~ C O ~(:: ~-I ~ ~ E ~ ~. ~o m ~ ~ y- ~.. . O U T ~--' L p ~ C O ~ ~j ~ ~~ ~ '^ OD 00 n n n O ' i 01 O~ ~ .. Q' M M fD W m Q , U U ~ ~ N O U .u ~ ~ O m , O ~ . L ` b c w c 0 ~ ~ b C ~ b ~ In C i '~ f0 '~ fO ~ ~ C ^ O v a o O . ~ p O C ,D ~ Cl `° c o E c m ~ u o ~ ... E ~' " `a' c ~ ~ ' . a i ' ~ c a~ a , ~ ~ . ~ a ,~ o E o N ~ v C ~° v .b o ` f 'v ~ E > 'v ~ av ,n c o o ava~ v~ o Y ~ ~ ~ ~ ~ 4I ~ Y h-1 t ~~ c ~o ~ o ~ ~ o ~ a i .. " LL (~ O O _~ ~ W U~~ o a~ ` u U Z~ ro a U~ ai w Q, ,--i N .~ v ~ ~ ~ ~ ~ ~ O U '~ ~..~ V..~ ~ ~ ~ u. a a O O .,,, ae i^ C ~+~j f0 (0 .--i m o y O O N C ~-~ ,~ ~ ~ A p$ ~ O Z ~ ~ y D m U '° '~ ~ o ~° O e c~ :~ a~i v "~ E- U ~, ~ U E Q ~ ® vii ~~Gqd V/ L ° Y ~ °' n E L f0 ~ O !A O +~ .O d. ~ +~ i p N ~ y ra.1" N C v E ~ ~ ° E •o ~ v oa u O ~ °' o ~ E ~ ~ ~ o ~ e a~ O ~ c a°i v L c O y ~~ ~ ~ E ~ vii 6/j 'O V 'O IO p V fD ,~, ~ 'v y E ~ 'v O ~ o ~ v y ~ ~ •c E c ~° ~ ~ °' o u ~~ :` o ~ g " d vii ~ ro d '> c 10 .-i N ~ .-y .--i N ~ N N .O ro .n U 'O O f0 .D .LI ,-i .-r N N N N M M M M V ~ ~ ~ ~ . O O O - '10 ~ O O O Q 7 ~ N tD O) Z V n7 N I~ 3 ; I ~ I V O s _ 1 N . ~~ C !T) ~ t Z ~ Q+ O F ,~ ~ It V) .-~ i n ~ ~ ' ' ~ ;i ~ n : ~ W T 1~ O aY Vl ~ O O O~ ll'I ,- ~ c* O 00 O D7 :~ O 00 O 00 O V' ~ N Q N Q , O C] . W LD Q . ~- 1 m m ..' LO m U ,_. ` . i .,i ~ ~. i 4 .-I i _ c 0 _C C O E O O ~'' a~ a L C C ° w 0 E c E U ~ ~ C - ,OC d L ~ _ 1J . -O U -O d i ~ ~ ~ ~ 'D ~ N v O •p O ~' ~ U > a. ~ O o Q ,~ ~ ~ o ~ n ~ fO ~ _ u ~ ~ ~ ~ c c ~ u ~ ~- ro m o, ~ ~ = u ~ o o E ~ ~ ~ U V O N O L O Oi Ol ~ i fO O a o ' ~ O a ~ `o N v +' `~- y U ~- N ra O ~ ~ to '~ O L O L ~ O ~ t9 N O U d V1 In N o ~r a a~i o~ a u ~ rCO ~ C pl O Q1 N 'O U i O 7 d C C ~ .O 'vi .O U C ~ C N y N N C N ~ lJI L C y y ' ' ~O+ ~ 71 .+ ~J ~ c ~ O ~ 3 ~ ~ ~ ~ Q ~~~ N v ~ .i.+ ~~ '~ ~ O c ~ v ~ v u ~n O N in ~ U E~° ro u N ~ c ~ N O O O ~.. . _ ~ ~ •C ~ '1n ~ v i v i :u C p ~ ~ in ~ C O C U 0 0 07 ~ ~ N ,~' O 07 C C~ ~ C~ ~ L ~ N N 'C ~ O U 00 f19 L O N~ O 6J N 3 0 °`~'' '~' E E E~~ = a' o c~ Q c~ c ~= ~ f0 t9 v C '= O ~ L W L N l a~ °i C ° 19 c c y v ~' ~ °u °• N ~ ~ y ~ a~ L y"n 0.~ V ~ O ~ 'D J ~ a v ~ O ep .o T ~ ~ ~, ~, •~ L L O. L L N i R L O V O N ~ L L v O~ f0 E ~ O O ~ C i m N >. >- ~ ' ' (O ~ ~~ 'D ' U ~ ~ ~ ~ ~ o ~ o o~ a L ra E "u ~ ~ E v ~v ~ w u ~ c °' a~ o c -o O ro o n ~' c o u 'a i .a ~' V ' I9 ~ p'Oj ~ O C d d ~_ d d > i f° o ~ E ~° E i a O ~ U ~ t~ ~ f0 C ~ 'O ~` ~ Y V= O O O O .n '~ ~ v x c E o E ¢ ~ v v i~ o .... ~ N ~ ~ `u ~C~ ~ ~ E o 'v `a a ri cn U ro ~ 0 ro A u c . O ,y N f`'1 ~ c ro 0 E N O O a a ~~ v o c n a~ ~~ N U ~0.+ C r9 C N ~ O •E •v a O U Y +-~ v C V~ ~ m L s u E ." +~ o w o ~ c E u ~ N C1 w L ~ '~ .C ~ C O +~ N ` 7 ~ o ° ~ N t~y~0 v L C ~ C o ,~ v .~ ~ ~ ~ ~ ~ c n. u ~ ~ C t0 U tC ~ '~ i ~ N O U L ~_ O ~ ~ o ~ ,~ v tCO ~ O O f0 .u 61 L ~ ate.. 'O fO n .~ io ~ ~ Q ~ L N C N +L.~ ~ w ~ O .9 Y ~ t~9 a~ a a o o E v O E N U O L ~ O O L ~ N O ~ U ~ u N tf' X OJ v ayEi o - m ~ c 0 m ~ `o `o i ~ ~ .--i N '.{ .-I Ameriean 'trust ~ savings Bank FFIEC u41 Legal Title of Bank Page RC-36 FDIC Certificate Number: 13150 4~ Submitted to CDR on 4/21/2009 at 1:04 PM chdul ®T" ~iducia and elated a ices RCON YES / n!O 1. Does the institution have fiduciary powers? (If "N0," do not complete Schedule RC-T7 A345 YES 1 RCON YES / NO 2. Does the institution exercise the fiduciary powers it has been granted? A346 _ YES... 2 3. Does the institution have any fiduciary or related activity (in the form of assets or accounts) RCON YES / NO to report in this schedule? (If "N0," do not complete the rest of Schedule RC-T.) Bs67 YES 3 If the answer to item 3 is "YES," complete the applicable items of Schedule RC-T, as follows: Institutions with total fiduciary assets (item 9, sum of columns A and B) greater than $250 million (as of the preceding December 31) or with gross fiduciary and related services income greater than 10% of revenue (net interest income plus noninterest income) for the preceding calendar year must complete: • Items 4 through 19 quarterly, • Items 20 through 23 annually with the December report, and • Memorandum items 1 through 4 annually with the December report. Institutions with total fiduciary assets (item 9, sum of columns A and B) greater than $100 million but less than or equal to $250 million (as of the preceding December 31) that do not meet the fiduciary income test for quarterly reporting must complete: • Items 4 through 23 annually with the December report, and • Memorandum items 1 through 4 annually with the December report. Institutions with total fiduciary assets (item 9, sum of columns A and B) of $100 million or less (as of the preceding December 31) that do not meet the fiduciary income test for quarterly reporting must complete: • Items 4 through 10 annually with the December report, and • Memorandum items 1 through 3 annually with the December report. Dollar Amounts in Thousands FIDUCIARY AND RELATED ASSETS 4. Personal trust and agency accounts 5. Retirement related trust & agency accounts: a. Employee benefit-defined contribution- b. Employee benefit-defined c. Other retirement 6. Corporate trust and agency accoi 7. Investment management agency 8. Other fiduciary accounts 9. Total fiduciary accounts (sum of items 4 through 8) 10. Custody and safekeeping account il. Not applicable (Column A) Managed Assets (Column B) Non-Managed Assets (Column C) Number of Managed Accounts (Column D) Number of Non-Managed Accounts Tril I BiI I MII I Thou Tril I BiI I Mil I Thou _ RCON 8868 ~ RCON 8869 RCON 8870 RCON 8871 339,259 56,121 ~ 702 ' 80 4 RCON 8872 ; " ~ RCON 6873 ! ~ RCON 8874 RCON 8875 349 123 ~ 40,56 ; ; ~ 67 165 5.a RCON 8876 _ RCON 8877 ; I RCON 8878 RCON 8879 0. 884 , _; { ,t , - 0 1 5.b RCON 8680 ~ ' ,, ~ RCON 8881 RCON 8882 4 "` RCON 6883 26 564 ~~ ' ~ 14,465 , 107 ' 44 5.c RCON 8884 RCON 8885 °' ~ RCON 0001 RCON 0002 0 ~ ~ 0 0 6 RCON 8886 - . ~~ - i ` _ RCON 6888 ~ ~ ~ , 67 760 '~ ~:~ ~' t . ~•.~ _, 128 ~ ~.i~ ~1~ ~ ':; ~ 7 RCON 8890 '`' I RCON 6891 ~°`I RCON 8892 _ _- RCON 8893 0 ~G < ',l 0 ; 0 8 RCON 6894 ~_ RCON 8895 ''I RCON 8896 RCON 8697 782,706 ~ ` t~ 112,039 1,004 290 9 F RCON 8898 '~ ' ~' RCON 8894 ' 111,716 i' - ;~ 37 10 r,met•ican Trust & Savings Bank FFIEC 041 Legal Title of Bank Page RC-37 FDIC Certificate Number: 13150 49 Submitted to CDR on 4/21/2009 at 1:04 PM schedule C°°T®nt~nued Dollar Amounts in Thousands RIAD - BII I Mil I Thou - I FIDUCIARY AND RELATED SERVICES INCOME -- - - 12. Personal trust and agency accounts 69f i 606 12 13. Retirement related trust and agency accounts: ~- -- - ' ~ a. Employee benefit-defined contribution B9o5 1,085 13.a b. Employee benefit-defined benefit B9D6 1 13.b c. Other retirement accounts B9o7 55 13.c 14. Corporate trust and agency accounts A479 0 14 15. Investment management agency accounts 69os 108 15 Other fiduciary accounts 16 A480 0 16 . 17. Custody and safekeeping accounts B9o9 2 17 18. Other fiduciary and related services income 6910 0 18 rvices income (sum of items 12 through 18) d l t i d d `"' -= - se ary an re a e uc 19. Total gross fi a) item 5 ual Schedule RI (must e 4070 1,857 19 . , q Cosa N/A 20 20. LESS: Expenses A488 NIA 21 21. LESS: Net losses from fiduciary and related services income credits for fiduciary and related services an Intracom PLUS 22 8911 N/A 22 y p : . 23. Net fiduciary and related services income A491 N/A 23 Memoranda Managed Assets Dollar Amounts in Thousands RCON BiI ~ MII I Thou 1. Managed assets held in personal trust and agency accounts: - -- `~-` a. Noninterest-bearing deposits 6913 N/A M.l.a b. Interest-bearing deposits 6914 N/A M.l.b c. U.S. Treasury and U.S. Government agency obligations 8915 N/A M.l.c 1. State, county and municipal obligations 8916 N/A M.i.d e. Money market mutual funds 8917 N/A M.i.e f. Other short-term obligations B918 N/A M.l.f g. Other notes and bonds B919 N/A M.l.g h. Common and preferred stocks B9Z0 N/A M.i.h 6921 N/A M.l.i i. Real estate mortgages 6922 N/A M.l.j j. Real estate 6923 N/A M.l.k k. Miscellaneous assets I. Total managed assets held in personal trust and agency accounts (sum of Memorandum ~~ `°` items l.a through l.k) (must equal Schedule RC-T, item 4, column A) 8866 N/A M.1.1 Dollar Amounts in Thousands 2. Corporate trust,and agency accounts: a. Corporate and municipal trusteeships b. Transfer agent, registrar, paying agent, and other corporate (Column A) (Column B) Number of Principal Amount Issues Outstanding RCO~ Tril I Bil I Mil I Thou RCON 8928 6927....___- _.__- _^ N ; N/A M.2.a 8929 N/A M.2.b American Trust 8c savings Bank Legal Title of Bank FDIC Certificate Number: 13150 Submitted to CDR on 4/21/2009 at 1:04 PM shut ®`T®®nt~ne~ Memoranda-Continued Dollar Amounts in Thousands 3. Collective investment funds and common trust funds: a. Domestic equity b. International/Global equity c. Stock/Bond blend d. Taxable bond e. Municipal bond f. Short term investments/Money market g. Specialty/Other h. Total collective investment funds (sum of Memorandum items 3.a through 3.g)_ 4. Fiduciary settlements, surcl a. Personal trust and ages b. Retirement related trust c. Investment managemer d. Other fiduciary account e. Total fiduciary settlemen (sum of Memorandum it columns A and B minus Schedule RC-T, item 21 (Column A) Number of Funds (Column B) Market Value of Fund Assets RCC~, ____ ~ j RCON Bil I Mil I Thou 6931 N/A B932 N/A 8933 N!A 6934 N/A 8935 N/A 8936 N/A 6937 N/A 8438 N/A 8939 N/A B940 N/A B941 NIA 8942 N/A 8443 N/A B944 N/A 8945 NlA 8946 N/A (Column A) (Column B) (Column C) Gross Losses Gross Losses Recoveries Managed N on-Managed Accounts Accounts Dollar Amounts in Thousands RIAD Mfl I Thou - - RIAD - Mil I Thou RIAD Mil I Thou - - arges and other losses: ~ ''' ~' `'~ rs~ sers . ,y aCCOUntS 6947 N/A 8948 N/A 8949 N/A and agency accounts B45o N/A 6951 N/A 6952 N/A t agency accounts 8953 N/A 6954 N/A 8955 N/A and related services 6956 N/A 6957 N/A 8958 N/A s, surcharges, and other losses ~ ~, ems 4.a through 4.d) (sum of `~. ;olumn C must equal _ ____`~" - >'I 8959 N/A 8960 N/A 8961 N/A FFIEC' 041 . 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