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While price is always an important consideration for our clients, determining what <br />constitutes the best value can sometimes be a challenging proposition. A botched <br />implementation, inadequate service, inferior technology or a reactive relationship can <br />easily eliminate any short-term savings provided by a low -cost provider. We are attuned <br />to this challenge and believe that J.P. Morgan will continue to provide the City of Santa <br />Ana with the best overall value. <br />By remaining with J.P. Morgan, the City of Santa Ana is assured a stable, consistent and <br />reliable business partner that will cost - effectively provide banking services and <br />innovative technology solutions to the City, accompanied by an industry- leading focus on <br />client service and support. We are excited at the opportunity to continue a long -term <br />relationship with the City and are confident that we have provided a competitive <br />proposal for your consideration. <br />Should you have any questions about pricing or other information contained herein, <br />please do not hesitate to contact us. <br />Respectfully, <br />Izerwin P. Deese <br />Jason Johnson <br />Marilyn Hardney <br />Vice President <br />Vice President <br />Associate <br />Relationship Manager <br />Treasury Mgmt. Officer <br />Client Service Professional <br />Government Banking <br />Government Banking <br />Government Banking <br />1 - Additional details can be found in Section V. Cost of Providing Services (Fees) - A. on Page io8 <br />2 — Please see Section V, Cost of Providing Services (Fees) — B. 2. on Page tog. <br />Page ill J.P. Mor, an <br />