SPRINGFIELD TOWNSHIP, HAMILTON COUNTY, OHIO REQUEST FOR DEPOSITORY/BANKING SERVICES PROPOSALS

REQUEST FOR PROPOSALS

DEPOSITORY & BANKING SERVICES

FOR

ACTIVE DEPOSITS

(Commencing August 24. 2026 and Ending on August 23, 2031)

The Board of Trustees of Springfield Township, Hamilton County, Ohio, 9150 Winton Road, Cincinnati, Ohio 45231 will receive sealed proposals for its depository and banking services for its active deposits until 2:00 p.m. on July 24, 2026.

TABLE OF CONTENTS

1. Copy of Legal Advertisement 2

2. Instruction Sheet 4

3. Community Background and Banking Needs 5

4. Proposal Form for Completion by Financial Institution 7

5 Financial Institution Qualifications 7

6 Required Banking Services. 11

7 Optional Banking Services 20

8. Financial Institution Data 22

9. Alternative Services/Conditions Evaluation Section 24

10. Agreement for Public Depositories 27

11. Forms 34

LEGAL ADVERTISEMENT

SPRINGFIELD TOWNSHIP, HAMILTON COUNTY, OHIO

REQUEST FOR DEPOSITORY/BANKING SERVICES PROPOSALS

FOR THE PERIOD OF 8/24/2026 to 8/23/2031

Springfield Township, Hamilton County, Ohio, hereby invites banking institutions to submit proposals for the required depository and banking services for the Township’s active deposits.

The depository agreement will be for a term of five years commencing on August 24, 2026 and ending on August 23, 2031. The successful depository will be awarded by the Township Board of Trustees during its regular meeting on August 11, 2026. All submittal institutions will be notified of the award by August 18, 2026.

Springfield Township has an average daily cash balance of $27,000,000 to $30,000,000 and a bi-weekly direct deposit payroll averaging $350,000.

The Township’s account requirements are as established by Ohio Revised Code 135.01 to 135.21 and include: 1) Daily Governmental Account for Active Funds, secured by utilization of the Ohio Pooled Collateral System; and 2) Interest Bearing Overnight Repo/Sweep Account, secured by utilization of the Ohio Pooled Collateral System. The successful institution must demonstrate its ability to timely receive and deposit large cash deposits utilized by the Drug Abuse Reduction Taskforce (DART) operated by the Township.

Banking institution must be an eligible public depository as specified in Ohio Revised Code 135.03, be a member of F.D.I.C. or F.S.L.I.C., and be a participant in the Ohio Pooled Collateral System. Financial institutions which do not participate in the Ohio Pooled Collateral System need not apply.

The criteria for evaluating the proposals will be based upon a combination of:

1. The interest rate quoted;

2. The extent and convenience of services to be provided, including but not limited to:

a. Agreement to assign an Account Executive/Individualized Customer Service Representative and an alternate to the Township;

b. List of per item charges (if any) for each service, or state specific services provided with no charges or fees;

c. Preparation of monthly statements with check or check image;

d. Secure Internet Banking;

e. Payroll Direct Deposit;

f. Wire service;

g. Incoming and outgoing ACH/EFT services with detail;

h. Ability to deposit cash funds procured from the DART; and

i. Service fees, charges and other costs.

j. Positive Pay

3. The formula used in calculating the interest earnings;

4. Background and experience of banking institution to provide quality service to like public entities; and

5. The internal cost associated with changing depositories.

Copies of the Request for Proposal application can be obtained on the Springfield Township Website at springfieldtwp.org/bids.aspx (under the Government/Governance/Bids tabs) or from the Springfield Township Financial Director at the Township Administration Building located at 9150 Winton Road, Cincinnati, Ohio 45231, Monday through Friday between the hours of 8:00 a.m. to 5:00 p.m.

All institutions which obtain a copy of the Request for Proposal must register their interest in the proposal process with Kim A. Cox, Finance Director at kcox@springfieldtwp.org in order to receive any updates, addenda, and answers to questions asked.

Signed proposals must be delivered to the attention of the Fiscal Officer, Springfield Township, at the Administration Building address listed above in a sealed envelope marked “Depository Application.” PROPOSALS ARE DUE BY 2:00 P.M. ON JULY 24, 2026.

Any questions should be directed to Kim A. Cox, Finance Director, at kcox@springfieldtwp.org . Answers to all questions will be provided to all financial institutions who have obtained the application and provided an email address for communications.

INSTRUCTION SHEET

Persons interested in submitting an application to provide depository and banking service for the active deposits of Springfield Township must:

• Provide ALL of the answers, information, and documents requested in this RFP. Failure to respond to each of the requirements in this RFP may be the basis for rejecting the Proposal in its entirety.

• Comply with any term and condition outlined in this RFP. Failure to comply with any term or condition in the RFP may disqualify the financial institution during the designation period.

• Complete all forms legibly (either in writing or typed).

• Provide four (4) copies of the Proposal and any supporting documents.

• Deliver the completed Proposal in a sealed envelope marked “Depository Application” to the Fiscal Officer, Springfield Township, 9150 Winton Road, Cincinnati, Ohio 45231.

PROPOSALS ARE DUE BY 2:00 P.M. ON JULY 24, 2026.

I. COMMUNITY BACKGROUND AND BANKING NEEDS

Springfield Township, Hamilton County, Ohio (the Township), is a political subdivision established in 1795 to exercise the rights and privileges conveyed to it by the constitution and laws of the State of Ohio. The Township is directed by a publicly elected three-member Board of Trustees and managed by the Township Administrator. The Township has an elected Fiscal Officer. The Finance Director is the employee charged with daily management responsibilities for Township funds.

The Township uses fund accounting as required by law to manage the Township’s financial resources. An adequate cash balance is maintained in overnight ICS sweep account to meet short term requirements.

The Township currently has 185 employees, all of whom receive their payroll distribution via ACH direct deposit.

The Township currently has, and will continue to require, a total of five (5) demand deposit accounts (DDA), and one (2) overnight Sweep account.

The Township currently has, and will continue to require, a total of five (5) demand deposit accounts (DDA), and one (2) overnight Sweep account.

1. Main Checking Account – DDA maintained for regular and ACH deposits, merchant card receipts, wire transfers, and sweep activity (indicate minimum for sweep account, if any).

2. ICS/Overnight Sweep Account – Overnight sweep account from main checking into an interest bearing account.

3. Community Improvement Corporation (CIC) Account – DDA maintained for regular and ACH deposits, merchant card receipts, and wire transfers related to the Springfield Township Community Improvement Corporation.

4. ArtsConnect Account – DDA maintained for regular and ACH deposits, merchant card receipts, and wire transfers related to the Springfield Township Arts and Enrichment Council.

5. Arts Connect Sweep – Overnight sweep account from Arts Connect Main Checking account into an interest bearing account.

6. JEDZ Account -- DDA maintained for regular deposits and transaction related to the Springfield Township JEDZ Board.

7. JEDD Account – DDA maintained for regular deposits and transactions related to the Springfield Township JEDD Board.

The Township uses online banking services for: (1) viewing daily account activity; (2) viewing Township-issued credit card statements and paying same; (3) processing vendor ACH payments; (4) processing interfund bank transfers; (5) downloading monthly bank reconciliation data; and (6) paying certain vendors using the Federal Reserve Wire system.

Average Monthly Volume of Transactions

Transaction Description/Type	Average Monthly Activity
Checks paid	230
Deposits made	30
Deposited items	75
Transit items	200
Returned items	0
Wire Transfers – incoming	10
Wire Transfers – outgoing	20
ACH debit transactions	475
ACH credit Transactions	50

II. Proposal Form for Completion by Financial Institution

III. FINANCIAL INSTITUTION QUALIFICATIONS

A. Requirements:

The following requirements must be met at all times by the depository in order to maintain the depository agreement in good standing:

1. Accessibility:

The Financial Institution must maintain a full-service corporate office or branch convenient to 9150 Winton Road, Cincinnati, Ohio 45231 and be open for business daily. Monday through Friday, from at least 9:00 a.m. to 5:00 p.m.

Location of Office:

Hours of Operation:

2. Personal Service:

The Financial Institution must provide a high level of personal service to the Township. While the services requested are diverse and require specialized talent to achieve success, Springfield Township desires a single individual be assigned as an Account Executive responsible for the relationship between the Township and the Financial Institution. A second individual should be designated to provide individualized service to the Township in the event of a temporary absence of the designated Account Executive. Except in the event of an employee separation, such Account Executive and Alternate Account Executive shall not be changed without the prior approval of the Township.

Name, Title and Experience of Designated Account Executive:

Name:

Title:

Experience:

Name, Title and Experience of Alternate Account Executive:

Name:

Title:

Experience:

Above Requirements/Conditions Accepted and Provided Exactly As Written:

YES NO

If your answer is “No,” you are required to specify the condition or requirement which your Proposal does not include and any alternative that your Financial Institution proposes to provide instead in the “Alternative Services/Conditions” Section located toward the end of this Proposal Form.

3. Pooled Collateral:

All Township funds on deposit with the institution in excess of any FDIC insurance shall be collateralized against the risk of loss due to institutional failure.

Unless otherwise approved by the Township in writing for good cause shown, the Institution MUST participate in the Ohio Pooled Collateral Program within 90 days of being designated a depository for the Township in order to remain eligible to be the depository for Springfield Township.

ANY DESIGNATION OF DEPOSITORY STATUS TO A FINANCIAL INSTITUTION WHICH IS NOT A PARTICIPANT IN THE OHIO POOLED COLLATERAL PROGRAM AT THE TIME OF DESIGNATION SHALL BE CONDITIONAL UNTIL SUCH TIME AS PARTICIPANT STATUS IS GRANTED. IF THE FINANCIAL INSTITUTION FAILS TO OBTAIN PARTICIPANT STATUS BY THE TIME DESIGNATED HEREIN, THE CONDITIONAL DEPOSITORY DESIGNATION SHALL BE REVOKED AND A NEW DEPOSITORY SELECTED.

Is the Financial Institution a Current Participant in the Ohio Pooled Collateral Program?

YES NO

If no, has the Financial Institution applied to become a Participant in the Ohio Pooled Collateral Program?

YES NO

If yes, when was the application filed and when is the anticipated answer date?

If your answer is “No,” you are required to specify the condition or requirement which your Proposal does not include and any alternative that your Financial Institution proposes to provide instead in the “Alternative Services/Conditions” Section located toward the end of this Proposal Form.

6. Fraud Control:

The Financial Institution must provide some service (such as Positive Pay, two-factor authentication) to deter fraud on checks and ACH transactions.

Does the Financial Institution provide services to deter fraud?

YES NO

If YES, which service is provided?

If your answer is “No,” you are required to specify the condition or requirement which your Proposal does not include and any alternative that your Financial Institution proposes to provide instead in the “Alternative Services/Conditions” Section located toward the end of this Proposal Form.

7. Hard Charge versus Compensating Balance:

The Township does not currently pay fees for services and is unlikely to accept fees in the future. The Township would accept a reasonable compensating balance requirement to eliminate hard charges for services.

Will the Financial Institution require hard charges/fees for services?

YES NO

If yes, provide a list of ALL fees by service and amount and attach to the Proposal.

Does the Financial Institution offer a compensating balance option to eliminate hard charges for services?

YES NO

If yes, what is the required minimum compensating balance and any other conditions?

8. Access to Bank Records:

The Financial Institution must allow reasonable access to bank records by the Township’s external auditors for the purpose of examining records related to the use of Township funds.

Above Requirements/Conditions Accepted and Provided Exactly As Written:

YES NO

If your answer is “No,” you are required to specify the condition or requirement which your Proposal does not include and any alternative that your Financial Institution proposes to provide instead in the “Alternative Services/Conditions” Section located toward the end of this Proposal Form.

9. ID theft controls:

The Financial Institution must have sufficient controls directed toward protecting identity theft as well as bank account information.

Does the Financial Institution have sufficient controls to protect against identity theft and release of bank account information?

YES NO

If yes, please provide a detailed description of the type and extent of ID Theft/Account information protection provided.

If your answer is “No,” you are required to specify the condition or requirement which your Proposal does not include and any alternative that your Financial Institution proposes to provide instead in the “Alternative Services/Conditions” Section located toward the end of this Proposal Form.

IV. REQUIRED BANKING SERVICES

A. Account Structure:

The Township currently has, and will continue to require, a total of five (5) demand deposit accounts (DDA), and one (2) overnight Sweep account.

1. Main Checking Account – DDA maintained for regular and ACH deposits, merchant card receipts, wire transfers, and sweep activity (indicate minimum for sweep account, if any).

2. ICS/Overnight Sweep Account – Overnight sweep account from main checking into an interest bearing account.

3. Community Improvement Corporation (CIC) Account – DDA maintained for regular and ACH deposits, merchant card receipts, and wire transfers related to the Springfield Township Community Improvement Corporation.

4. ArtsConnect Account – DDA maintained for regular and ACH deposits, merchant card receipts, and wire transfers related to the Springfield Township Arts and Enrichment Council.

5. Arts Connect Sweep – Overnight sweep account from Arts Connect Main Checking account into an interest bearing account.

6. JEDZ Account -- DDA maintained for regular deposits and transaction related to the Springfield Township JEDZ Board.

7. JEDD Account – DDA maintained for regular deposits and transactions related to the Springfield Township JEDD Board.

Please confirm that these accounts will be provided.

Above Requirements/Conditions Accepted and Provided Exactly As Written:

YES NO

If your answer is “No,” you are required to specify the condition or requirement which your Proposal does not include and any alternative that your Financial Institution proposes to provide instead in the “Alternative Services/Conditions” Section located toward the end of this Proposal Form.

B. Funds Availability:

Each proposal shall provide documented examples of its funds availability schedule for electronic and paper transactions, and provide the following information:

1. Do the institution’s funds availability policies differ from the Federal Reserve Bank’s availability schedule?

YES NO

If yes, please highlight the differences between the schedule and the institution’s policies.

2. Describe the institution’s policy on receiving same-day credit for deposits. The Township shall receive same-day credit for any US checks and incoming wire transfers.

3. Does the institution offer the option of expedited funds availability?

YES NO

If yes, please provide the details and requirements of such expedited availability.

C. Timely Deposit of Drug Forfeiture Funds:

Springfield Township is the entity which manages and operates the Drug Abuse Reduction Task Force (DART). In the course of its duties, DART regularly receives forfeitures of cash used in the illegal drug trade, in amounts ranging from thousands of dollars to three hundred and fifty thousand dollars ($350,000.00). These cash forfeitures typically come in the form of small denomination bills and coins.

The Financial Institution must specifically agree to accept these forfeiture deposits as follows:

1. Cash Forfeitures of $1.00 to $10,000.00 – must be counted and accepted for deposit within one (1) business day of verbal notification of receipt of forfeiture.

2. Cash Forfeitures of $10,000.01 to $100,000.00 – must be counted and accepted for deposit within three (3) business days of verbal notification of receipt of forfeiture.

3. Cash Forfeitures Exceeding $100,000.00 – must be counted and accepted for deposit within five (5) business days of verbal notification of receipt of forfeiture or such other time as mutually agreed upon by the Financial Institution and the Township.

Above Requirements/Conditions Accepted and Provided Exactly As Written:

YES NO

If your answer is “No,” you are required to specify the condition or requirement which your Proposal does not include and any alternative that your Financial Institution proposes to provide instead in the “Alternative Services/Conditions” Section located toward the end of this Proposal Form.

D. Online Banking Services:

The Township extensively uses the online capabilities with its current banking and depository services provider, and expects a similar service offering through this RFP. Please respond to the following:

1. Is the institution’s online banking system a web-based platform, or is software required to be installed on the Township’s computer systems?

Web-based Platform Software to be installed

2. Describe how online access is restricted, controlled and protected. Does the institution utilize multi-factor authentication (MFA) in order to remotely access an account? If so, does it incorporate a physical aspect (e.g., fob) or an email/text/phone call?

3. Describe the various formats accepted/preferred by the institution’s online banking system for uploading or downloading banking information (e.g., PDF, .CSV, etc.).

4. Is training on the use of the online banking system provided by the institution? YES NO

If yes, what format does the training take place (e.g., webinar, onsite, etc.)?

5. Please provide an attachment containing a detailed description of the institution’s online services, requirements and costs of the services offered.

6. The Township requires online monthly checking account statements with images of cleared checks and prefers that the statements be available by 8:00 a.m. EST the next business day following month-end. Can the institution provide such statements in this manner?

YES NO

If your answer is “No,” you are required to specify the condition or requirement which your Proposal does not include and any alternative that your Financial Institution proposes to provide instead in the “Alternative Services/Conditions” Section located toward the end of this Proposal Form.

7. Online access to prior-day transactions shall be available via the institution’s online banking system on the next day by 8:00 a.m. including the following:

a. Previous day’s ending ledger balance

b. Previous day’s ending collected balance

c. One- and two-day float

d. Total debits – detailed debit listing

e. Total credits – detailed credit listing

f. Zero-balance account transfer amounts

g. Interest earned monthly

h. Previous day’s book transfers

Above Requirements/Conditions Accepted and Provided Exactly As Written:

YES NO

If your answer is “No,” you are required to specify the condition or requirement which your Proposal does not include and any alternative that your Financial Institution proposes to provide instead in the “Alternative Services/Conditions” Section located toward the end of this Proposal Form.

If the information is available online on a real-time basis, please indicate what information is available.

E. Collateralization:

All Township funds on deposit with the institution in excess of any FDIC insurance shall be collateralized against the risk of loss due to institutional failure.

The Institution MUST participate in the Ohio Pooled Collateral Program to be eligible to be the depository for Springfield Township.

Above Requirements/Conditions Accepted and Provided Exactly As Written:

YES NO

If your answer is “No,” you are required to specify the condition or requirement which your Proposal does not include and any alternative that your Financial Institution proposes to provide instead in the “Alternative Services/Conditions” Section located toward the end of this Proposal Form.

F. Stop Payment Services:

Please respond to the following:

1. Describe the institution’s online stop payment services (initiation and renewal).

2. Describe the institution’s confirmation requirements.

3. What is the institution’s duration for an issued stop payment?

Is this able to be modified for a specific item? YES NO

If the answer is yes, please explain:

4. The Township requires that stop payment services be provided at no charge. Please confirm that condition is acceptable.

Above Requirements/Conditions Accepted and Provided Exactly As Written:

YES NO

If your answer is “No,” you are required to specify the condition or requirement which your Proposal does not include and any alternative that your Financial Institution proposes to provide instead in the “Alternative Services/Conditions” Section located toward the end of this Proposal Form.

G. Wire Transfer Services:

The depository must maintain wire transfer facilities through the Federal Reserve Bank System. While the Township does not generally send or receive a large volume of wire transfers, the following information must be provided:

1. Ability of the Township to initiate and monitor wire transfers online.

2. Ability to create and store any recurring/repetitive wire instructions/templates.

3. Ability to create and store future-dated wire instructions, and any limitations on such scheduling.

4. Describe the security measures in place for wire initiation and authorization.

H. Automatic Clearing House (ACH):

Please provide the following information regarding the institution’s ACH service:

1. Describe the methods by which the Township can submit or initiate ACH transactions.

2. Describe the pre-notification policy, and any cost associated with pre-note items.

3. Describe the institution’s RDC item representment policy through ACH, and the timing of such transactions.

4. Describe security measures in place for ACH initiation/origination and reception. Provide information on any ACH filters and blocks provided by the institution.

I. HSA/FSA Management:

Although the Township does not currently fund an HSA/FSA Account for its employees, the Financial Institution must be able to provide and manage such accounts as follows:

1. To account for employee reimbursement checks through the Flexible Spending Account.

2. To account for Health Saving Account activities.

If established, funds would be provided via Township contributions and pre-tax employee withholding.

Above Requirements/Conditions Accepted and Provided Exactly As Written:

YES NO

If your answer is “No,” you are required to specify the condition or requirement which your Proposal does not include and any alternative that your Financial Institution proposes to provide instead in the “Alternative Services/Conditions” Section located toward the end of this Proposal Form.

J. Credit Card Purchasing:

The Township requires up to thirty-five (35) credit cards that are issued to individual Township employees. Pursuant to the Township’s credit card policy, these credit cards must be issued under both the individual employee’s name and the name of Springfield Township. The credit limit for each card may vary, with the maximum credit limit being $7,500, but the limit must be able to be temporarily increased for a designated credit card up to $25,000 within 24 hours if the Township requires a higher limit.

Above Requirements/Conditions Accepted and Provided Exactly As Written:

YES NO

If your answer is “No,” you are required to specify the condition or requirement which your Proposal does not include and any alternative that your Financial Institution proposes to provide instead in the “Alternative Services/Conditions” Section located toward the end of this Proposal Form.

K. Records Retention:

The Township requires that bank statements be retained for five (5) years post-audit, which would generally mean that the documents must be retained for six (6) years.

Above Requirements/Conditions Accepted and Provided Exactly As Written:

YES NO

If your answer is “No,” you are required to specify the condition or requirement which your Proposal does not include and any alternative that your Financial Institution proposes to provide instead in the “Alternative Services/Conditions” Section located toward the end of this Proposal Form.

L. Miscellaneous:

The Financial Institutions should confirm that the following will be provided:

1. Checks, Deposit Slips, Debit/Credit Forms: The Financial Institution will provide checks for three (3) demand deposit accounts, free of charge.

Above Requirements/Conditions Accepted and Provided Exactly As Written:

YES NO

If your answer is “No,” you are required to specify the condition or requirement which your Proposal does not include and any alternative that your Financial Institution proposes to provide instead in the “Alternative Services/Conditions” Section located toward the end of this Proposal Form.

2. Automatic Redeposit Of Returned Checks: The Financial Institution will automatically redeposit returned checks a second time, if the instruments are initially dishonored due to “NSF” notations.

Above Requirements/Conditions Accepted and Provided Exactly As Written:

YES NO

If your answer is “No,” you are required to specify the condition or requirement which your Proposal does not include and any alternative that your Financial Institution proposes to provide instead in the “Alternative Services/Conditions” Section located toward the end of this Proposal Form.

3. Monthly Statements: The Financial Institution must provide monthly statements by the next business day after the end of each month. This requirement can be satisfied via the online capabilities.

Above Requirements/Conditions Accepted and Provided Exactly As Written:

YES NO

If your answer is “No,” you are required to specify the condition or requirement which your Proposal does not include and any alternative that your Financial Institution proposes to provide instead in the “Alternative Services/Conditions” Section located toward the end of this Proposal Form.

4. Check Images: The Financial Institution must provide check images with each monthly statement at no charge.

Above Requirements/Conditions Accepted and Provided Exactly As Written:

YES NO

If your answer is “No,” you are required to specify the condition or requirement which your Proposal does not include and any alternative that your Financial Institution proposes to provide instead in the “Alternative Services/Conditions” Section located toward the end of this Proposal Form.

In addition, the Financial Institution must provide a method for long term access of check images (e.g. CD’s) which the Township can store and access for a minimum of 2 years.

Above Requirements/Conditions Accepted and Provided Exactly As Written:

YES NO

If your answer is “Yes,” what is the method the institution will utilize to provide long-term access to check images?

If your answer is “No,” you are required to specify the condition or requirement which your Proposal does not include and any alternative that your Financial Institution proposes to provide instead in the “Alternative Services/Conditions” Section located toward the end of this Proposal Form.

5. Online Capabilities: The Financial Institution must be able to track, report, query, initiate ACH, wires, stop payments, download monthly activity, and pull images for at least 60 days.

Above Requirements/Conditions Accepted and Provided Exactly As Written:

YES NO

If your answer is “No,” you are required to specify the condition or requirement which your Proposal does not include and any alternative that your Financial Institution proposes to provide instead in the “Alternative Services/Conditions” Section located toward the end of this Proposal Form.

V. OPTIONAL BANKING SERVICES

A. Remote Deposit Capture (RDC):

The Township does not currently use RDC to scan and deposit checks. However, it is possible that this capability may become necessary in the future. Please provide the following:

1. Describe the institution’s RDC services, including:

a. Scanning equipment (lease options), software, transfer procedures, batching and security:

b. Portal entry, or stand-alone service:

c. Deadlines for same-day credit of deposits:

d. Document retention policy for checks processed via RDC or converted to ACH:

e. Liability for fraudulent deposit items:

B. Additional Product Suggestions:

The Financial Institution should indicate any additional products that it feels would be beneficial to the Township currently or in the future.

VI. Financial Institution Data

In order to determine the institution’s fiscal health, each depository should provide the following ratios the financial strength of the depository institution:

1. Liquidity:

a. Bank loans to deposits:

b. Loans to assets minus plant and equipment:

c. Cash and equivalents to total assets:

d. Percentage of assets maturing in one year:

e. Cash and equivalents to deposits:

2. Asset Quality:

a. Current loan losses to total loans:

b. Reserves as a percentage of total loans:

c. Non-performing loans to total loans:

3. Profitability:

a. Return on earning assets:

b. Return on equity:

4. Strength:

a. Core capital ratio:

b. Primary capital ratio:

c. Common equity ratio:

5. Management:

a. New charge-offs to loans:

b. Income before security transactions to assets:

IN ADDITION, PLEASE PROVIDE THE FOLLOWING INFORMATION/FINANCIAL DOCUMENTS:

1. A copy of the most recently audited comprehensive financial statements of the parent organization. The Township would prefer to receive the 2025 report, if available. If it is not available, the FY 2024 report is acceptable.

2. A copy of the current quarterly Consolidated Report of Condition and the Consolidated Report of Income, known as Call Reports, for the preceding four (4) quarters.

3. The name and the most recent rating received by an appropriate ratings agency.

4. References for similar banking services for similar clients or depositors. Include a comprehensive list of all local governmental customers, listing the names of the agency, a contact person, and the agency address and telephone number.

5. Describe your organizational structure, identifying the process used in making decisions regarding Township accounts. (i.e., local vs. regional decision making).

6. Include a schedule of all bank service fees.

7. Describe what index the earnings rate on the Township accounts would be pegged to, listing the last six months applicable rates.

8. Include a sample of the standard monthly detailed statement. If other statement formats are available, please provide copies of them.

9. Ohio Pooled Collateral System Compliance -- Copy of most recent SCALE report, if one is available.

10. Describe briefly your proposed implementation plan and timetable for conversion, including any required training. The plan should provide the Township with sufficient detail to allow for a reasonable estimate of the complexity and costs. and any alternative to this request.

All above-listed items provided: YES NO

If your answer is “No,” you are required to specify the condition or requirement which your Proposal does not include and any alternative that your Financial Institution proposes to provide instead in the “Alternative Services/Conditions” Section located toward the end of this Proposal Form.

VII. ALTERNATIVE SERVICES/CONDITIONS EVALUATION SECTION

If a NO box is checked, the Financial Institution must specify the condition or requirement which its Proposal does not include as specified and provide an explanation that reflects the services/requirements that it will provide instead. Financial Institutions may continue their explanations on an attached 8 ½ x 11" piece of paper.

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VIII. Agreement for Public Depositories

If selected as the Township’s Depository, the Financial Institution will be required to execute the following Agreement:

Bank Depository Agreement

Active Funds

This Agreement is hereby made by and between

(“Financial Institution”) and the Springfield Township Board of Trustees (“Township”) for the period commencing August 24, 2026 and ending August 23, 2031, to be designated as a depository by Springfield Township pursuant to Ohio Revised Code (“ORC”) §§ 135.03 and 135.12 for:

Only Active Deposits, as defined by ORC § 135.01, including demand deposits of the Township

This Agreement is accompanied by a financial statement of the Financial Institution, under oath of its (Title of Authorized Officer), in such detail as to show the capital funds of the Financial Institution as of the date of its latest report to the superintendent of financial institutions, the comptroller of the currency, the federal deposit insurance corporation, the board of governors of the federal reserve system, or the national credit union administration adjusted to show any changes therein prior to the date of application, pursuant to ORC §§ 135.08 or 135.10, as applicable.

1. Compliance with ORC 135:

a) Maximum Percentage of Public Moneys: The Financial Institution agrees to comply with ORC ⸹135.03 and OAC 113-7-03 et seq. in that the Financial Institution shall not receive or have on deposit, at any one, time public moneys, including public moneys as defined in ORC § 135.31, in an aggregate amount in excess of thirty percent (30%) of its total assets, as shown in its latest report in the case of a bank, to the superintendent of financial institutions, the comptroller of the currency, or the federal home loan bank board or, in the case of a savings association, savings and loan association, or savings bank to the superintendent of financial institutions, the federal deposit insurance corporation, or the board of governors of the federal reserve system or, in the case of a credit union, the national credit union administration.

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