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J.P. Morgan has developed and maintained strong financial discipline throughout <br />fluctuating market conditions. We follow sound accounting standards, provide <br />transparent public reporting, and offer first -rate information management systems. We <br />have the financial stability to provide a broad, complete and high - quality set of products <br />and services while leveraging the benefits and efficiencies that come with economies of <br />scale. During the economic downturn, government clients sought J.P. Morgan as a safe <br />harbor for funds, as evidenced by a steady increase in government deposits during that <br />period. <br />Conclusion <br />J.P. Morgan's strong working relationship with the City of Santa Ana allows us to <br />anticipate your needs and requirements as we continue to design and develop the <br />products and services offered to you. <br />We have thoroughly reviewed the City's RFP and are confident in our ability to meet and <br />exceed your requirements as demonstrated throughout our response. You have our deep <br />commitment that the City of Santa Ana will continue to receive our personal attention <br />each and every day, and that we will continue to strive to exceed your expectations. We <br />thank you for your consideration and the opportunity to continue as your full service <br />relationship bank. <br />Page Vii J P. Morgan <br />55E -93 <br />