CDCR JPAY Lock Box and Debit Card Services Contract

• April 12, 2017 • Locations: United States of America -> California • Topics: JPay, Inc., Seizure of Prisoner Funds

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April 12, 2017
Jonathan Goff
California Department of Corrections and Rehabilitation
1900 Birkmont Dr.
Rancho Cordova, CA 95742
Re: Request for Offer (RFO) C5607126-D for Lock Box and Debit Card Services
Dear Mr. Goff,
JPay is pleased to submit this proposal in response to RFO C5607126-D for Lock Box and Debit Card
Services for the California Department of Corrections and Rehabilitation (CDCR). We appreciate the
opportunity to continue our successful partnership with the State of California.
As an authorized officer of JPay who has legal and binding authority, I certify that JPay agrees to the terms
and conditions stated in the RFO. JPay’s FEIN is 01-0756761 and the address is:
JPay Inc.
12864 Biscayne Blvd, Ste. 143
Miami, FL 33181
(954) 862-6903
If you have any questions regarding this RFO, please contact me. We look forward to hearing from you.
Sincerely,

Errol Feldman
Chief Executive Officer
(954) 862-6903
efeldman@jpay.com

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services

JPay is a 14-year old technology company located in south Florida with the single purpose of serving our
nation’s correction agencies. Our mission is to design easy and convenient ways to assist agencies in
fulfilling their mission to rehabilitate inmates and reduce recidivism while keeping the facility and
community safe. Our customer base includes correction staff, inmates and their family & friends - the
driving force behind our innovation and drive to succeed.
The requested Lock Box and Debit Card services are not just part of our “corrections portfolio” but are
key components of our business. JPay’s payment footprint includes more than two million inmates and
more than a million Release Debit Cards. We process more inmate payments than any other company in
the world. No one else can come close to this volume, scalability and most importantly, experience.

JPay has been providing Lock Box services for more than eight years and continues to grow its payment
volumes. JPay’s Lock Box service processed more than 11,000 lock box payments last year in CDCR alone,
and has had similar success with our 15 other state Department of Corrections clients:
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Florida
Minnesota
Ohio

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Illinois
New Jersey
Pennsylvania

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Indiana
New York
South Carolina

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Kansas
North Carolina
Tennessee

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services

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Louisiana
Oklahoma
Virginia

In 2006, JPay designed and implemented a Release Debit Card program for the Colorado Department of
Corrections to eliminate the need to issue cash or checks to inmates being released. After 11 years of
providing Release Debit Card services for the corrections industry, we are proud to say that no other
corrections-grade Debit Card program in the country is this tried and tested. In addition to CDCR, JPay’s
Release Debit Card program is being used in these 13 state prison systems:
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Colorado
Louisiana
Oklahoma

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Florida
Minnesota
Tennessee

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Georgia
Missouri
Virginia

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Indiana
New Jersey

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Kentucky
North Carolina

Competitive Advantage
Our product offerings and cost structure are designed to be the most advantageous for our
correctional clients while providing inmates and their friends and family a wide variety of
affordable services. Our competitive advantage centers around three things - 1) Scalability, 2)
Reliability, and 3) People. All of these components distinguish us from our competition and have
proven so time and time again.
Payment Processing Scalability and Reliability
Without scalability, payment systems are susceptible to crashing due to high transaction
volumes. By ignoring this critical aspect of system design, companies are exposed to periods of
transaction overload. Fourteen years of transaction history with 99.9% uptime is a testament to
the strength of JPay’s payment platform. Our systems are designed and built to process millions
of transactions through all payment channels every day.
Outstanding Customer Service
Behind every transaction is a person, and our philosophy is to treat each of them with the utmost
care. For customers calling to make a payment or just to ask a question, a team of highly trained
representatives take calls in English, as well as several other languages, 24 hours a day.
For facility support, a dedicated team of Help Desk Agents are on call to assist staff at all times.
Help Desk Agents have completed the highest level of system training, enabling them to respond
to CDCR staff requests on the spot. JPay finds and vets the best people to work at the company
and continues to train and grow our staff so we can constantly provide outstanding service for
clients, inmates, and families.

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services

CDCR has played a significant role in JPay’s maturity as a company. CDCR was an
early adopter of JPay’s payment service and has provided JPay with years of valuable
feedback and critical input. CDCR has helped JPay not only create a great product
but learn how to better communicate and interact with staff, inmates, and their
families.
Today, JPay commands the largest market share of CDCR’s inmate payments. JPay processed more than
640,000 transactions last year for CDCR and this number continues to grow. With statistics like this, CDCR
can be assured that JPay continues to be the best choice to handle CDCR’s Lock Box payments.
The proposed Lock Box and Release Debit Card services complement JPay’s electronic payment platform
also in place at CDCR. This suite of services provides a greater level of insight into inmate transactions and
their relationship network as a whole. We truly value our partnership with CDCR and look forward to
continuing to provide CDCR with Lock Box and Release Debit Card services.

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services

1. Lock Box Services
a. Provide cost free Lock Box Services to CDCR inmates’ family and friends free of cost.
At no cost to CDCR or the customer (family member or friend sending money), JPay collects and
processes all money orders, bank and cashier’s checks through our secure, in-house Lock Box service.
JPay has a team of employees that process money orders around the clock as well as a fully redundant
processing system.
Money orders are sent to a California-based PO Box exclusively designated for CDCR. Ever since CDCR
chose JPay as the exclusive provider of Lock Box services, CDCR payment data from every JPay
collection channel has been instantly available on JPay’s online reporting system, giving CDCR
complete transparency over all types of payments made through JPay as well as robust investigative
reporting capabilities.
Inmate Verification
The JPay process of posting Lock Box payments requires the user to complete and submit a
deposit slip. Our software reads and verifies all scanned items to ensure the information on the
slip matches the payment information. The inmate information (name and ID) is verified against a
file of inmate data that JPay receives from CDCR each day. Lock Box payments are included in the
daily payment file JPay sends back to CDCR for automatic posting to inmate accounts the same
day they are processed.
Delivery Timing
JPay has secured key relationships within the banking industry enabling JPay to perfect the cash
settlement process for Lock Box processing. JPay also uses the leading money order processing
equipment to ensure the most efficient, error-minimizing, corrections-friendly Lock Box
operation in the industry.

b. Provide Lock Box Services to CDCR inmates’ family and friends according Contractor’s fee schedule.
JPay understands and will comply with this requirement.

c. Provide Lock Box services to CDCR inmates’ family and friends free of cost.
JPay understands and will comply with this requirement. JPay will provide Lock Box services at no cost
to CDCR or the inmates' family and friends.

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services

d. Guarantee and assume full liability for all Lock Box funds transferred and deposited into the CDCR
bank account. CDCR will not be held responsible for any fraudulent funds transferred by the contractor
on behalf of CDCR.
JPay guarantees and assumes full liability for all Lock Box funds as well as every financial transaction
we provide. CDCR will never be held responsible for any returned or fraudulent payments.

e. Image front and back of all envelopes and negotiable items (i.e. checks, money orders) and retain all
imaged data for a period of current plus 3 years from the time of deposit.
JPay currently takes images of all envelopes and negotiable items as agreed upon with CDCR and
retains the images indefinitely.

The Contractor shall disclose all exceptions, limitations and full cost to the sender. The disclosure shall
be stated on the Lock Box Service Remittance Coupon in multiple languages (at a minimum English and
Spanish).
JPay will disclose all exceptions, limitations, and costs on the Remittance Coupon in English and
Spanish.

g. Provide CDCR staff system user training on the Lock Box Service during the term of this contract as
requested by CDCR at no additional cost to CDCR.
JPay’s comprehensive system training will be provided to CDCR staff at no cost.

h. Provide Remittance Coupon in multiple languages (at a minimum English and Spanish) to be used by
family and friends to aid in the processing of funds through the Lock Box Service. The Remittance
Forms should be made available in all CDCR facilities (i.e. visiting rooms, inmate orientation packets
and online). The Remittance Form must state “For Inmate Trust Funds Only.” The Remittance Form
shall include an area for:
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Inmate Name
CDCR Identification
Number Institution
Sender’s name, address and phone number
Deposit Amount Remittance Coupons shall state the following disclosure statement: “All
Deposits are subject to Restitution unless specifically exempt from Restitution, per Title 15,
Section 3097.”

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services

JPay provides remittance forms in all CDCR facilities that can be placed in visiting rooms and inmate
orientation packets. JPay will continue to assist CDCR in describing Lock Box services on the CDCR
homepage as well as maintaining a link to the JPay website where the remittance form can be
downloaded.

Keep all names and identification numbers of inmates confidential.
JPay understands and will comply with this requirement.

The Contractor shall provide Lock Box informational materials, (i.e. posters and pamphlets) to be
displayed in each CDCR correctional facility, in multiple languages, (at a minimum, in English and
Spanish), for the purpose of notifying family and friends about the availability of the Lock Box Services.
Material must be reviewed by Accounting Services Branch – Inmate Accounting and the and Division of
Adult Institutions. Any advertising for Services covered under this contract must be reviewed and
approved by CDCR prior to its use. Any advertising for services not under this Agreement is strictly
prohibited.
JPay will continue to supply bilingual Lock Box informational materials to CDCR for review and
subsequent distribution. After CDCR approval, JPay will distribute posters and flyers for each facility to
place in living units. Handouts can be placed into canteen bags as well as in visitation rooms and
facility lobbies. JPay's Lock Box services are already described on the CDCR homepage, along with a
link to the JPay website, so JPay will ensure all information remains current.

k. Respond to and resolve all inquiries and complaints (within 24 hours of receipt) from CDCR inmates’
and parolees’ family and friends regarding failure of transmittal of funds.
JPay’s call center is staffed 24 hours a day, seven days a week and will resolve all customer and CDCR
inmate inquiries and complaints within 24 hours of receipt.

Comply with all applicable California banking regulations.
To comply with all federal and state regulations, CDCR’s Lock Box provider must be licensed as a
money transmitter in California as well as every other applicable state in the USA where that provider
collects payments. If not, both the consumer and CDCR could be exposed to financial loss and fraud.
JPay has completed this licensing process across the country, so CDCR can be assured that they are in
safe hands having JPay as their Lock Box provider.

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services

JPay is also compliant with all anti-money laundering regulations, Office of Foreign Assets Control
(OFAC) screening guidelines and Payment Card Industry Data Security Standards (PCI-DSS).
Transaction limits are enforced to ensure compliance with customer identification requirements and
federal reporting levels.

m. Assist CDCR Investigative Services Unit (ISU) and Criminal Intelligence Analysis Unit (CIAU) with
requests for information pertaining to money laundering, fraud, or illegal activities as needed. Provide
at a minimum investigative reports that contain transaction history by inmate name, CDCR number,
and sender information.
All of JPay’s services are administered through our secure, user-friendly web portal called the Facility
System. CDCR is already familiar with JPay’s Facility System as this portal is accessed daily by inmate
banking staff and investigators. One of the benefits of continuing to contract with JPay for Lock Box
services is that all CDCR inmate trust fund deposit information is consolidated into one centralized
reporting tool that provides details collected from all of JPay’s channels.
Using JPay’s powerful Intel System, CDCR staff can create reports on specific transactions or the
complete history of an inmate or depositor’s activity. Transactions can be researched by entering any
of the following search criteria:
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Inmate first, last or full name
CDCR number
Customer first, last or full name
Batch number
Transaction number
Customer phone number

n. The Contractor shall create an automated interface of the payment file with the Trust Restitution
Accounting Canteen System (TRACS)
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CDCR has a licensing agreement with a third party vendor for the TRACS system, Advanced
Technologies Group (ATG).
The Contractor is responsible for contacting ATG, negotiating an agreement with ATG to allow
interface activities on behalf of the Contractor with TRACS, and all development activities required
in setting up their interface with ATG. This could include a “per transaction” fee, or a licensing fee.
The Contractor’s rates as identified on the Rate Sheet (Exhibit B-2) shall be inclusive of any and all
fees anticipated for this Service.

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services

JPay has an interface with TRACS that is operational for CDCR and several other state agencies. The
interface enables automated posting of transactions to inmate accounts. Each business day, JPay
sends a batch file containing all payments to TRACS that have been received in the past 24 hours. The
payments are then uploaded into each inmate’s account.
JPay and ATG have been working together for several years and already have an integration in place
for the services in this RFO. JPay and ATG will reapply the terms of our agreement to an award of a
contract resulting from this RFO.

o. Process Receipts on a daily basis.
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The front of the negotiable instrument will be imaged, and the front and back of envelopes will be
imaged. If the negotiable instrument is damaged and cannot be imaged, it will be rejected. If the
envelope is damaged and cannot be imaged, processing of the negotiable instrument will proceed
without the associated envelope data.
Negotiable instruments will be stamped with the Contractor’s standard endorsement during the
encoding process.
Capture data for all negotiable instruments including the amount, CDCR Identification Number,
sender name, address and zip code, the fund source type of cashier’s check, personal check or
money order, and date of negotiable instrument.
Produce a standard audit trail.
Make daily deposits.
Report any variance or reconciling item.
Report any misapplication of funds.

JPay understands and will comply with this requirement. JPay processes money orders around the
clock. If normal processing levels do not match incoming volume, JPay can easily adjust staffing to
increase throughput.

p. Provide secured database access to CDCR Accounting of funds transferred to CDCR.
JPay’s Facility System will provide secure database access to CDCR Accounting.

q. Provide a Daily Transaction Report by Institution. This report must contains the inmate name, inmate
CDCR number, Sender’s name, address, phone number , funds transfer date, “Lock Box” as the Fund
Source Type, dollar amount, transaction count, deposit number or batch number, Institution total.
JPay’s Facility System will provide a daily transaction report that includes all the above-requested
information.

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services

On the Facility System, the CDCR user selects the Money product. The default page is the Deposit
History with a list of deposits ordered by date. The most recent deposits are displayed on top.

The user clicks on “View” under the Report column to view that day’s transactions broken down by
facility (institution). The following screen displays each facility for that batch with the total transfers
and transfer amounts.

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services

By selecting “Report”, the user can view each facility’s summary report and can export it to an Excel
spreadsheet.

Provide a Daily Transaction Summary Report by Institution, transaction counts, transferred amount,
transfer date, deposit number or batch number. (As described in item bb)
JPay’s Facility System provides a Daily Transaction Summary Report that includes all the aboverequested information.

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services

s. Provide a Monthly Transaction Summary Report by Institution, transaction counts, transferred
amount, transfer date, deposit number or batch number. All reports should be available within 24
hours of Lock Box transactions and must be accessible to CDCR staff on the Contractors website at
06:00 a.m. PST the following business day. (As described in item cc)
JPay’s Facility System provides a Monthly Transaction Summary Report that includes all the aboverequested information in the timeframe specified. All reports are available immediately following
batch upload.

Contractor will maintain a retention schedule of CDCR data for a minimum of current plus three years
from the date of transaction. The retained data must be accessible by CDCR staff for research or
investigative purposes. The destruction of this data must be kept confidential for security purposes.
All transaction data is stored and easily accessible via the Facility System for one year online and
archived indefinitely thereafter. The offline archives are easily accessed by request. JPay will provide
archived data within 24 hours of the request (historically always sooner).

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services

u. Establish audit trail accountability.
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A tracking log, various processing steps and a database support activities will be maintained.
All mail receipts will be processed through extraction and imaging prior to any reject evaluation
processing.
When an item is identified as a candidate for rejection and subsequent return-to-sender action,
the name and address, processing date, batch ID, sequence number of the transaction, and the
inmate’s last name and CDCR number will be entered into a database file. Applicable information
from the database file is imported into the labeling program for printing.
A mailing log corresponding to each day’s returned-to-sender items will be appended to the image
system reject report file, thus enabling query search capabilities by address, sender name,
inmate’s CDCR number, or inmate name. It also will enable the recreation of facsimile copies of the
original instrument and envelope.
The return-to-sender database information will be appended to the daily Receipts Report. The data
file will contain sender name, sender address and zip code, batch number, sequence number, mail
received date, dollar amount, inmate’s last name, inmate’s CDCR number and return-to-sender
reason code.

Since JPay manages the entire process for returning rejected items to senders, JPay maintains a log of
all rejected transactions to help JPay handle any customer inquiries regarding rejected transactions. If
CDCR determines that a particular set of data is needed at any point, JPay will provide it upon request.

v. Not accept cash
JPay will not accept cash payments. Envelopes containing cash will be returned to the sender.

w. Not accept the check types listed below.
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Any payment designated for any purpose other than deposit into an inmate’s Trust Account
- Any form of payment except for Personal Checks, Certified Checks, Cashier’s Check and
Money Orders.

JPay only accepts money orders, personal checks (subject to a 10-day hold), certified checks, and
cashier’s checks for depositing into CDCR inmate trust accounts.

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services

x. Reject a deposit and perform the action indicated if any of the following conditions exist:
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The negotiable instrument or remittance form does not contain an inmate name, the contractor
will return to the sender.
The negotiable instrument does not contain a valid CDCR Identification Number, the contractor will
return to the sender.
The name on the negotiable instruments with a valid CDCR Identification Number but a mismatch
between the inmates name on file and the payee name on the instrument of payment, the
contractor will return to the sender.
Negotiable instrument does not have a valid date and signature per banking industry standards,
the contractor will return to the sender.
Stale dated payments, the contractor will return to the sender.
Third Party Checks, the contractor will return to the sender.
Foreign drawn negotiable instruments, the contractor will return to the sender.
For negotiable instruments with multiple CDCR Identification Numbers, the contractor will return
to the sender. Note: There should be only one CDCR Number for each Remittance Form.
Parcels. Parcels will remain unopened. The contractor will return to the sender.
Attachments to the negotiable instrument found in the mailing, the contractor will return to the
sender.
All correspondence, the contractor will return to the sender.
Any form of payment except for Personal Checks, Certified Checks, Cashier’s Check and Money
Orders, the Contractor shall return to sender.
If no return address, the contractor will forward the payment to:
CDCR Trust Accounting
Unknown Funds
P.O. Box 276088
Sacramento, CA 95827

JPay understands and will comply with these requirements.

y. Contractor shall mail and transmit all applicable items and data on a daily basis.
JPay processes transactions daily, including weekends and holidays. Electronic transmittal to CDCR of
processed payments occurs in a batch file sent every business day.

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services

z. Provide daily processing reports summarizing the following:
 Number of remittances received by instrument type
 Listing of type of negotiable instrument, CDCR Identification Number and dollar amount
 Total dollar amount deposited
 Listing of items rejected and the reason
The Facility System provides access to a wealth of template and ad hoc daily reporting tools. All
reports can be generated statewide or on a per-facility basis.

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services

aa. Provide a monthly report of cumulative data summarizing the following:
 Number of remittances received by instrument type
 Listing of type of negotiable instrument, CDCR Identification Number and dollar amount
 Total dollar amount deposited
 Listing of items rejected and the reason
All of the daily reports accessible on the Facility System can be generated on monthly basis. CDCR can
also select a custom date range for additional analysis.

bb. Establish quality controls that provide quality assurance and meet acceptable quality standards for
scanned image and data entry accuracy as defined by CDCR.
JPay understands and will comply with this requirement.

cc. Provide security and confidentiality of all CDCR financial information, staff and personnel, and inmates
housed at CDCR facilities.
JPay understands and will comply with this requirement.

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services

dd. Provide excellent customer service.
Behind every transaction is a person, and our philosophy is to treat each one with the utmost care. A
team of highly trained representatives take calls in English, Spanish, Portuguese, French, and Creole
24 hours a day.
For facility support, a dedicated team of Help Desk Analysts is on call to assist CDCR staff at all times.
Help Desk Analysts have completed the highest level of system training, enabling them to respond to
staff requests on the spot. JPay finds and vets the best people to work at the company, and we
continue to train and grow our staff so we can stay competitive, constantly innovate, and offer the
best industry solutions.

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services

2. Debit Card Services
a. Provide cost free Debit Card Services to CDCR for the issuance of Parole Release funds and personal
funds (Trust Funds) to Parolees. Services to include set-up and maintenance of accounts, training and
training materials, providing CDCR with web-based access to vendor program, debit card stock,
electronic and printed reports and all other materials, supplies, programs and interfaces required to
providing this service.

All cards and supplies needed to administer the program are provided by JPay at no cost to CDCR.
Each card comes inside of a sealed envelope and contains a cardholder Agreement and Disclosure
Statement that outlines the Terms and Conditions of the program. For security purposes, the card
number is never exposed. Instead, a unique identifier appears in the window of the envelope that
corresponds to the card.
JPay’s card program is nationally and internationally accepted at millions of locations worldwide.
Upon receipt of the card and without obtaining a PIN, the cardholder can use the card for signaturebased transactions. If the cardholder would like to make a PIN-based purchase or withdraw funds
from the ATM, the cardholder must first call JPay’s toll-free telephone number or go to the JPay.com
website to establish a PIN.
Cardholders can access their account information 24/7/365 via a toll-free telephone number and via
the JPay.com website. From the JPay website, cardholders can manage their account, review their
statement, add funds, request an additional card and update personal data.
JPay will send, at a minimum, three months of card stock inventory to each facility. JPay monitors
inventory volume at each facility and an alert triggers when a facility’s inventory reaches a
predetermined threshold. This system enables JPay to ship supplies without the facilities needing to
get involved.
Loading the Card
CDCR staff can load release cards via JPay’s online portal, the Facility System. Once the user
enters the offender’s ID# the system will pre-populate their name and date of birth (if provided
on the inmate data file sent daily). JPay requires the offender name, offender ID, date of birth
and load amount in order to load a card, which can be done in a few simple steps.

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services

Performing a Card Action
After an offender is released, CDCR staff can still load additional funds (e.g. offender pay,
commissary credits) onto an offender’s card, modify an offender’s card or void an offender’s
card. All of these actions are performed via the Facility System.
Banking and Reporting
All funds corresponding to each day’s card loads are debited from CDCR’s bank account via an
Automated Clearing House (ACH) debit the following day or CDCR can credit JPay’s bank account
via ACH the following day. JPay provides ad hoc reporting for CDCR staff to look up daily, weekly,
monthly and quarterly reports for all card transactions.
Using the Card
Upon receipt of the card and without obtaining a PIN, the card will be available to be used for
signature-based transactions. To make a PIN-based purchase or withdraw funds from the ATM,
the cardholder must first call JPay’s toll free telephone number to establish a PIN. All first-time
callers speak with a live agent. Upon verification, the agent provides the cardholder with a PIN,
answers any questions or concerns regarding the card and informs the cardholder of the option
to upgrade to a personalized card.
Cardholders can access their account information 24/7/365 via a toll-free telephone number and
via the JPay.com website. From the JPay website, cardholders can manage their account, review
their statement, add funds, request an additional card and update personal data. Cardholders are
also given the option to receive daily text and email alerts. This lets the cardholder instantly know
their balance and transaction activity. This feature can be used to notify the cardholder if CDCR
staff loads additional funds onto the cardholder’s account.

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services

Loading Funds onto the Card
In addition to CDCR’s ability to load funds onto the card, the cardholder has the ability to load
funds onto the card and use the card anywhere worldwide where MasterCard debit card is
accepted. The cardholder can have their paycheck deposited directly onto their card in addition
to going to thousands of locations to place funds on the card such as Western Union and PayPal.

b. Contractor is to provide to the CDCR client (inmate, parolee, ward) access to release and trust funds
through the use of a branded debit card at point-of-sale (POS) devices and automated teller machines
(ATMs) wherever the VISA and/or MasterCard logo (and/or the various network partners of Contractor,
Ex: Cirrus, Plus, Star) is accepted.
For POS purchases, JPay’s card program is accepted at millions of locations
worldwide through Cirrus, an interbank network operated by MasterCard.
Anywhere MasterCard is accepted, JPay’s Release Debit Card is accepted.
For ATM transactions, JPay’s card program is part of the MoneyPass network
which gives released offenders access to thousands of surcharge-free ATMs
across the country. There are 1,927 surcharge-free ATMs in California and more
than 24,000 surcharge-free ATMs across the United States.

c. Contractor must have all of the resources to successfully perform under the contract. This includes, but
is not limited to, personnel in the number and with the skills required, experience providing similar
services, and financial resources sufficient to complete performance under the contract.
JPay’s Release Card program is implemented in 14 state correction agencies including CDCR and has
proven to eliminate the need for checks or cash at the time of release. As evidenced by this
nationwide deployment of JPay services, JPay is indeed a strong, financially sound company and is also
now backed by the substantial resources of our parent company, Securus Technologies. JPay presently
has a surety bond on file with the state of California as a licensed money transmitter with the
California Department of Business Oversight. All of these factors ensure that JPay has the financial
resources sufficient to complete performance under the contract.
For facility support, a dedicated team of Help Desk Analysts is on call to assist CDCR staff at all times.
Help Desk Analysts have completed the highest level of system training, enabling them to respond to
staff requests on the spot. Customer support is available 24/7 from our team of highly trained
customer service personnel who are ready and able to respond to any cardholder inquiries.

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services

d. Contractor must demonstrate experience with account setup and authorization, card maintenance,
training, customer account maintenance, transaction processing, customer service, managing acquirer
participation, settlement and reconciliation, reporting and risk management.
JPay’s Release Debit Card program has been active since 2006. More than a million cards have been
issued to date. No other corrections-grade debit card program in the country is this tried and tested.



Debit card may be used throughout the United States.

JPay’s card program is nationally and internationally accepted at millions of locations
through Cirrus, a worldwide interbank network operated by MasterCard. Anywhere
MasterCard is accepted, JPay’s Release Debit Card is accepted.



Debit card must have unique card numbers and assigned Personal Identification Number (PIN).

Cards have unique card numbers. PINs are set via phone or online and do not come pre-assigned.



Assigned PIN may be changed by the client/cardholder only.

Only the cardholder can change their card’s PIN, either online or by calling JPay’s Customer Service.
After verifying their identity, the cardholder can easily change their PIN.



No fee charged cardholder by Contractor for first four (4) transactions at Contractor/partner ATMs
including account balance requests. Minimal transaction fees thereafter charged to client
(cardholder). Client (cardholder) fees must be listed on Contractor’s rate sheet and included with
bid.

JPay understands and will comply with this requirement. Please see Exhibit B-1 for a list of all
proposed fees.



No card fees for use at POS terminals.

JPay understands and will comply with this requirement.

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services



Transaction fees from third-party vendor(s) must be disclosed in advance and be charged to debit
card client/cardholder upon acceptance of those fees.

A third-party transaction fee may occur if the cardholder attempts to use an ATM that is not in the
MoneyPass network. This fee will be displayed, and must be accepted before it is assessed.



Account transaction receipts will include the account balance.

Receipts will include the account balance whenever it is available from the applicable transaction
source. For example, for a POS purchase, balance information is not available as part of that
transaction. Account balance is included on all MoneyPass ATM receipts and can also be accessed
online or over the phone 24/7.



After issuance to client by CDCR, lost, stolen, or demagnetized cards will be replaced by Contractor
at specified rate charged to client. Fees must be listed on Contractor’s rate sheet.

JPay understands and will comply with this requirement. Please see Exhibit B-1 for a list of all
proposed fees.



Contractor to have sufficient resources to pre-fund cards (advance funds) and invoice CDCR in the
specified format twice monthly for reimbursement of advanced funds. Contractor will not charge
CDCR or cardholders a fee or interest for providing this pre-funding service.

JPay understands and will comply with this requirement.



Contractor to guarantee and assume full responsibility for funds on deposit for all active cards and
ensure funds are available to client/cardholder once the card is activated.

JPay guarantees all funds and takes full responsibility for all Release Card fund availability and
deposits. All funds are immediately available to the cardholder once CDCR activates the card.

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services



Assist CDCR Investigative Services Unit (ISU) and Criminal Intelligence Analysis Unit (CIAU) with
requests for information pertaining to money laundering, fraud, or illegal activities as needed.
Provide at a minimum investigative reports that contain transaction history by inmate name,
CDCR number, and store or ATM location, date and time when transaction occurred.

JPay is always happy to assist CDCR investigators with Intel. Data is available on the Facility System and
more detailed transaction data can be provided by a JPay representative who is available by phone or
email 24/7.



Customer Service to client/cardholder available in Spanish and English.

JPay understands and will comply with this requirement.



Service available to client/cardholder 24 hours a day via toll-free telephone number, at no charge
to client or CDCR.

Toll-free customer support is available 24/7 from our team of highly trained customer service
personnel, who are ready and able to respond to any cardholder inquiries.



Surcharge-free ATM’s must be available in all counties within California (Contractor must identify
Partner Network(s) Locations/Options with bid)

JPay’s card program is part of the MoneyPass network, which gives released
offenders access to thousands of surcharge-free ATMs across the country.
There are 1,927 surcharge-free ATMs in California and more than 24,000
surcharge-free ATMs across the United States. Please find a map of all
California ATM locations on the following page.

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services

e. Provide all services necessary to implement debit card program at specified locations. See Exhibit A-1
for list of locations.
JPay understands and will comply with this requirement.

Deliver debit card stock inventory to CDCR offices/facilities (Cost Center) as requested through the
secure internet website by authorized CDCR super user(s) within five (5) business days of request
(postage paid by Contractor). Identify minimum quantity, if any on Exhibit B-1, Rate Sheet. See Exhibit
A-1 for list of locations.
JPay will send, at a minimum, three months of inventory to each facility. JPay monitors inventory
volume at each facility and an alert is triggered when a facility’s inventory reaches a predetermined
threshold. This system enables JPay to ship supplies without the facilities needing to notify us ahead
of time.
If needed, CDCR staff can request additional shipments by contacting a JPay Help Desk Analyst or by
submitting an online request via the Facility System. Cards are shipped out within two business days.
Should an emergency arise, JPay can also process orders the same day so that cards arrive at the
facility the next business day.

g. Provide CDCR with monthly report of cards issued by location (Cost Center). Responsible for
maintaining the database of cardholder accounts including Parolee Name, CDCR number, amounts,
dates loaded, CDCR Personal Identification Number (PID) and incarceration date.
CDCR can access reports that detail cards issued, cards reloaded with additional funds, as well as
cards modified or voided. Reports can be viewed for any date range and for selected facilities or at the
statewide level.

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services

Authorized staff can click on any report to see the details of issued, voided, reloaded, and modified
cards. All reports can be exported to Excel for additional analysis.
The following information is contained in each report:
 RPID number
 Inmate name and ID
 Inmate DOB
 Date the card was issued
 Username of staff member who issued card
 Amount initially transferred to the card
 Amount reloaded onto the card

h. Responsible for recruiting and connecting with retailers.
JPay’s card program is accepted at millions of locations worldwide through Cirrus, an interbank
network operated by MasterCard. Anywhere MasterCard is accepted, JPay’s Release Debit Card is
accepted.

Provide toll-free telephone number, printed on the back of the card for 24 hour customer service to
cardholders and retailers, to include lost, stolen or inoperative cards.
In addition to our 24/7 toll-free call center, cardholders can access https://releasecards.jpay.com to
review their Release Debit Card’s transaction history and account balance.

Provide transaction processing system and gateway services.
JPay understands and will comply with this requirement.

k. Provide settlement services to client to close out cards with minimum balances, that cannot be
withdrawn from ATM (less than $20.00) and refunds for invalid charges.
JPay will provide all necessary settlement services to close an account. For balances less than $20,
JPay will mail the cardholder a check for the remaining balance (minus the account closeout fee as
listed in Exhibit B-1) when closing the account.
Customers can check their account balance and transaction history online 24/7. If they notice any
unusual activity, they simply call the toll-free number found on the back of the card for assistance
with an invalid charge.

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services

Settle and reconcile the movement of money within the banking system.
JPay understands and will comply with this requirement.

m. Provide CDCR with necessary secure website to interface with the contractor’s debit card system.
CDCR staff use the Facility System, our secure web-based interface, to access JPay’s Release Debit
Card program.

n. Provide real-time printable report through the secure website of cards loaded with date, client name,
CDCR number and amount of Release Funds and Trust Funds applied to the card, to be verified by
CDCR staff against the request for funds (CDCR form CDCR 102 Release Statement)
JPay provides multiple reports for CDCR staff to reconcile and account for every dollar that is added to
or subtracted from a card.

o. Provide training materials, webinar training, and account profiles to appropriate CDCR staff authorized
by the CDCR PM.
JPay provides training as well as a Release Card manual distributed to CDCR staff who oversee the
Release Card service. This simple guide is a great tool for managing the program. Step by step
instructions explain issuing, reloading, voiding, and modifying a JPay Release Card. Each step is clearly
outlined and illustrated in a simple to understand format.

p. Provide live or webinar training to super-users at each location (institution(s), camp(s), parole office(s),
accounting office(s)), who will then be responsible for on-site training of other staff.
For the initial training, JPay prefers live training onsite. This ensures that the information pertaining to
the program is well received and that attendees have an opportunity to ask questions and become (or
remain) familiar with all aspects of JPay’s Release Debit Card program.
JPay uses programs such as WebEx and Silverlight to perform follow up and refresher computer-based
training and offer supplementary remote guidance. JPay’s training programs are interactive, requiring
trainees to answer questions, make choices, and experience the significances of those choices. This
interaction generally results in greater retention and comprehension of JPay’s services.

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services

q. Provide web-based training manual for new users at no additional cost.
JPay understands and will comply with this requirement.

Provide toll-free phone and web-based support to all authorized users.
For facility support, a dedicated team of Help Desk Analysts are on call to assist staff over the phone
and online at all times. Help Desk Analysts have completed the highest level of system training,
enabling them to respond to staff requests on the spot.

s. To the extent possible, provide security access levels to promote and maintain separation of duties:





Super-user: Full entry, view and report capabilities. Access to training materials and ability to
troubleshoot issues
User: Enter data necessary to complete transaction to establish client information, fund card,
execute searches and low level release of funds to specified amount.(not able to reverse, void,
cancel transactions)
Approver: Approve large dollar transactions which exceed limit established by project manager
prior to posting to card and approve/release all reversal transactions/void/cancels

JPay’s Facility System is constantly evolving to meet the needs of client agencies. The list of rules that
can be applied to both user access as well as service control and reporting is comprehensive, and
creates the widest possible foundation for an agency to build a tailored solution set. These business
rules are configurable according to CDCR’s access and management needs.
User rights are highly customized for each CDCR staff member, though individual staff members with
similar rights can be granted identical levels of access simply by being added to a user group. When
creating a user, authorized CDCR staff can add that user to a group without having to individually
recreate permission sets for that user. Even if a user is assigned to a user group, administrators can
tailor that user’s permission levels and access.

Provide written training materials for client/cardholder in English and Spanish to be issued with each
card.
JPay understands and will comply with this requirement.

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services

u. Including how to use the card, process for reporting/replacing lost, stolen or damaged card, toll free
customer service number, information on fees charged by Contractor and potential fees from thirdparty vendors.
All of the above information is contained in the Terms and Conditions included with every card.

v. Develop and provide various reports to accommodate the informational and security needs of CDCR,
exportable to Microsoft Excel.
All reports provided via the Facility System are exportable to Excel simply by clicking the “Export to
Excel” link on the applicable report’s dialog box.

w. Reports to include:









Electronic report(s) (Excel format) in specified configuration to include fields required by the State
Controller’s Office to process Electronic Claim processing, suitable for uploading into CDCR’s
accounting system (SAP).
Daily List of Cards issued/activated by location (cost center/institution) including card number,
parolee/client name, CDCR number, amount and source of funds, PID number, release date,
incarceration date, name of staff who entered the transaction.
Monthly, Quarterly, Annual report of cards issued.
Inventory record/reconciliation of cards received, issued, or in stock.
Void/Damaged Card report
Report of deposits and disbursements of funds on deposit with vendor.

JPay understands and will comply with this requirement. JPay provides ad hoc daily processing reports
containing multitudes of information. For example:

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services

Authorized staff can click on any report to see the details of issued, voided, reloaded and modified
cards. All reports can be exported to Excel for additional analysis.

x. Provide connectivity to all state and national networks required to implement this contract.
JPay understands and will comply with this requirement.

y. Provide retailer management services.
JPay understands and will comply with this requirement.

z. Maintain interface with CDCR’s system to facilitate daily data exchange that is compatible with CDCR
existing equipment/software.
JPay currently has an interface with CDCR’s system whereby inmate and payment data is exchanged
daily. The same integration also includes Release Card data, such as inmate date of birth, current trust
account balance and other data needed for card activation.

aa. Keep all client names and identification numbers confidential.
JPay ensures that all client names and ID numbers are kept confidential at all times.

bb. Comply with all California Banking regulations (licensed with the state).
To comply with all federal and state money transmitter regulations, JPay is licensed as a money
transmitter in every applicable state, including California.

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services

cc. Establish an account with CDCR to fund debit cards. This account will maintain a permanent advance
with regularly scheduled replenishment; or, Electronic Fund Transfer from state to Contractor at
scheduled intervals based on cards issued.
JPay understands and will comply with this requirement.

dd. Provide client with secure website to view card activity/balance and obtain electronic customer
service.
Cardholders can access https://releasecards.jpay.com in order to review their card’s transaction
history and account balance. Customer service is available 24 hours a day, seven days a week via
telephone or email. Email inquiries will be answered within 24 hours. Frequently Asked Questions are
also available on the site.

ee. Mail replacement cards to client(s).
When a cardholder calls to request a card replacement, the account is immediately frozen to prevent
unauthorized usage. JPay issues a new card and transfers the balance (minus any associated card
replacement fees) before mailing the new card to the cardholder’s address on file.

ff. Stop/cancel the approval of funds expenditure on an activated card when necessary as determined by
CDCR. Refund any remaining funds transferred from CDCR to vendor/vendor’s bank for a canceled
card.
JPay can stop/cancel approval of funds expenditure upon an authorized staff member’s request. If
CDCR prefers, refunds can be offset from JPay’s ACH of daily transactions.

gg. All Contractor correspondence and communication shall be directed through the Accounting Services
Branch- Bakersfield or Designee as the single point of contact. No solicitation of any products or
Services will be made to institution staff.
JPay understands and will comply with this requirement.

hh. Comply with all Payment Card Industry Data Security Standards (PCI-DSS).
JPay is compliant with all anti-money laundering regulations, Office of Foreign Assets Control (OFAC)
screening guidelines, and Payment Card Industry Data Security Standards (PCI-DSS).

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services

ii. Provide security and confidentiality of all CDCR financial information, staff and personnel, and inmates
released from CDCR facilities.
JPay understands and will comply with this requirement.

jj. Contractor will maintain a retention schedule of CDCR data for a minimum of current plus three years
from the date of transaction. The retained data must be accessible by CDCR staff for research or
investigative purposes. The destruction of this data must be kept confidential for security purposes.
All transaction data is stored and easily accessible via the Facility System for one year online and
archived indefinitely thereafter. The offline archives are easily accessed by request. JPay will provide
archived data within 24 hours of the request (historically always sooner).

kk. Establish audit trail accountability.
JPay understands and will comply with this requirement.

ll. Provide excellent customer service.
Behind every transaction is a person, and our philosophy is to treat each of them with the utmost
care. A team of highly trained representatives take calls in English, Spanish, Portuguese, French, and
Creole 24 hours a day.
For facility support, a dedicated team of Help Desk Analysts is on call to assist CDCR staff at all times.
Help Desk Analysts have completed the highest level of system training, enabling them to respond to
staff requests on the spot. JPay vets and finds the best people to work at the company, and we
continue to train and grow our staff so we can stay competitive, constantly innovate, and offer the
best industry solutions.

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services

3. Third Party Account Reimbursement Provisions
a. If required and in accordance with section C – Contractor Tasks/Deliverables, items 2.a and 2.cc,
contractor will reimburse CDCR for all costs for an account established outside the State Treasury.
b. CDCR will establish and retain title to and ownership of the account outside the State Treasury.
c. CDCR will deposit an advance in the account in an amount to be determined by CDCR and
replenish the account as necessary per the limits set by the State of California, Department of
Finance, Fiscal Systems and Consulting Unit.
d. Upon receipt, audit and approval of itemized semi-monthly invoice from contractor, CDCR,
Accounting Services Branch (ASB), Bakersfield will authorize Automated Clearing House (ACH)
transactions no less than twice monthly to transfer funds from CDCR’s account to a bank account
specified by contractor.
e. Contractor will provide ASB-Bakersfield with the routing instructions for the fund transfer.
f. CDCR will invoice contractor monthly, in arrears, for all charges associated with the account
outside of the State Treasury, as billed by the financial institution.
g. Contractor will remit invoice payments within 30 calendar days from the date on the invoice to:
CDCR, ASB-Rancho Cucamonga
PO Box 6000
Rancho Cucamonga, CA 91729-6000
JPay understands and agrees to comply with these requirements.

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services

EXHIBIT A-1
VENDOR FEATURES SURVEY – LOCK BOX SERVICES

FEATURE

YES

“Print All” button for multiple receipts at each institution location.

Reporting for Investigation Purposes feature.

Vendor Maintains and sets up new users.

Daily Activity summaries.

Transactions Posted 7 days a week.

One Login to access all info.

Ability to contact vendor on website.

Six month history available on website.

Will you require a copy of an ID with each transaction?
SERVICE/QUERY
How soon can we expect the funds to be deposited into CDCR’s
Bank Account?
How long to respond to a specific question about a posting?

X (If requested by CDCR)

COMPLETION TIME (IN DAYS)
Two business days

Immediately

How long to respond to a file that does not upload properly?

Immediately

How long to set up a new user to the Online Database?

Immediately

Provide any and all transaction cost to family and friends.

Immediately

Will the cost to family and friends be a flat rate or based on
amount of deposit?
How soon can we expect funds to be available in each inmate’s
account for spending?

RFO C5607126-D – Lock Box and Debit Card Services
Page 21 of 40

Immediately
Immediately following file upload

EXHIBIT B-1
RATE SHEET – DEBIT CARD SERVICES
COST/
EXTENDED
DESCRIPTION
QUANTITY
COSTS
Cost of Services Chargeable to Clients (Parolees) After Four (4) Free Initial
Transactions (Not Chargeable to the State)
SERVICE

ATM Withdrawal

Free

Per
Transaction

Free

ATM Balance Inquiry

Free

Per
Transaction

Free

Account Transfer Fee

Free

Per
Transaction

Free

Update Client Information

Free

Per
Transaction

Free

Lost/Stolen/Damaged Card
Replacement
(includes cost of cancelling card and
issuing replacement card)

$5.00

Per
Transaction

$5.00

All Additional Client Fees
(attach fee schedule)

Please see
attached

Contractor’s
Fee Schedule

Please see
attached

Minimum Card Order (Quantity Per Location)
Minimum Number of Cards that can be
Ordered per Delivery Location Postage
Free

No minimum

Partner Networks (List current partner networks)
Maestro, MasterCard, Cirrus, MoneyPass

RFO C5607126-D – Lock Box and Debit Card Services
Page 24 of 40

Transaction Type

Fee

POS or ATM Decline

$1.00

Monthly Service (charged monthly beginning 5 days following card activation)

$3.00

Cancellation (cardholder receives balance via check or money order)

$9.95

California Department of Corrections and Rehabilitation | RFO C5607126-D Lock Box and Debit Card Services

ATTACHMENT A
CONTRACTOR CONFIDENTIALITY STATEMENT
As an authorized representative and/or corporate officer of the company named below, I
warrant my company and its employees will not disclose any documents, diagrams,
information and information storage media made available to us by the State for the purpose
of responding to RFQ 13-018 or in conjunction with any contract arising there from. I warrant
that only those employees who are authorized and required to use such materials will have
access to them.
I further warrant that all materials provided by the State will be returned promptly after use and
that all copies or derivations of the materials will be physically and/or electronically destroyed.
I will include with the returned materials, a letter attesting to the complete return of materials,
and documenting the destruction of copies and derivations. Failure to so comply will subject
this company to liability, both criminal and civil, including all damages to the State and third
parties. I authorize the State to inspect and verify the above.
I warrant that if my company is awarded the contract, it will not enter into any agreements or
discussions with a third party concerning such materials prior to receiving written confirmation
from the State that such third party has an agreement with the State similar in nature to this
one.
April 12, 2017
Signature:__________________________________________ Date:___________________
Errol Feldman
Chief Executive Officer
Printed Name:______________________________
Title:____________________________
JPay Inc.
Organization:________________________________________________________________
954-862-6903
305-675-0693
Telephone Number:_______________________
Fax Number:________________________
efeldman@jpay.com
Email Address:______________________________________________________________

RFO C5607126-D – Lock Box and Debit Card Services
Page 38 of 40

C5607126-D
Solicitation Number_____________________

State of California—Department of General Services, Procurement Division
GSPD–05–105 (REV 08/09)

BIDDER DECLARATION
1.

Prime bidder information (Review attached Bidder Declaration Instructions prior to completion of this form):
✔ (If “None”, go to Item #2)
a. Identify current California certification(s) (MB, SB, NVSA, DVBE): ____________ or None ____

✔ (If yes, indicate the distinct element of work your firm will perform in this contract
b. Will subcontractors be used for this contract? Yes ___ No ___
e.g., list the proposed products produced by your firm, state if your firm owns the transportation vehicles that will deliver the products to the State,
identify which solicited services your firm will perform, etc.). Use additional sheets, as necessary.

_________________________________________________________________________________________________________________________
_________________________________________________________________________________________________________________________
c. If you are a California certified DVBE:

(1) Are you a broker or agent? Yes ___ No ___
(2) If the contract includes equipment rental, does your company own at least 51% of the equipment
provided in this contract (quantity and value)? Yes ___ No ___ N/A ___

If no subcontractors will be used, skip to certification below. Otherwise, list all subcontractors for this contract. (Attach additional pages if necessary):

Subcontractor Name, Contact Person,
Phone Number & Fax Number

Subcontractor Address
& Email Address

CA Certification (MB, SB,
NVSA, DVBE or None)

Work performed or goods provided
for this contract

Corresponding
% of bid price

Good
Standing?

51%
Rental?

Certification: By signing the bid response, I certify under penalty of perjury that the information provided is true and correct.
1
1 of _____
Page_____

Alex Padilla
California Secretary of State

Business Search Entity Detail
The California Business Search is updated daily and reflects work processed through Sunday, April 2, 2017. Please refer to document Processing Times for the received dates of filings currently
being processed. The data provided is not a complete or certified record of an entity. Not all images are available online.

C2711781

JPAY INC.

Registration Date:
Jurisdiction:
Entity Type:
Status:
Agent for Service of Process:

12/22/2004
DELAWARE
FOREIGN STOCK
ACTIVE
BUSINESS FILINGS INCORPORATED
818 W 7TH ST STE 930
LOS ANGELES CA 90017
12864 BISCAYNE BOULEVARD, STE 243
MIAMI FL 33181
12864 BISCAYNE BOULEVARD, STE 243
MIAMI FL 33181

Entity Address:
Entity Mailing Address:

A Statement of Information is due EVERY year beginning five months before and through the end of December.

Document Type



File Date

SINO CHANGE

12/27/2016

SICOMPLETE

03/17/2011



PDF

* Indicates the information is not contained in the California Secretary of State's database.
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service upon corporations that have surrendered.
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Transmitter #2430

STATE OF CALIFORNIA
DEPARTMENT OF FINANCIAL INSTITUTIONS

LICENSE

The Commissioner of Financial Institutions hereby licenses JPA Y, INC., a
Delaware Corporation, to engage in the business of receiving money for the purpose of
transmitting the same or its equivalent in accordance with Chapter 1 (commencing with
Section 2000) of Division 1.2 of the Financial Code.

Date:

February 9, 2012

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WILLIA~

HARAF
Commiss:le;
of
Financia Instit tions
I