Digital Services Agreement

Last updated: 11/13/2022

This agreement, which is comprised of the “General Terms and Conditions” below and the
Addenda that follow (collectively the “Agreement”) with J.P. Morgan Chase is available in
Spanish as a courtesy. If there is any difference in meaning between the Spanish and English
versions of this Agreement or any related documents we provide you, either now or in the
future, the English version is the official document and will prevail. Please consult with a
translator if you have any questions. Please note that certain products and services, including
Investment Accounts, are only available in English.

We suggest you read this document carefully and print a copy for your reference. You may
refer back to it at any time by accessing the Legal Agreements & Disclosures tab within the
website or mobile application that you are accessing.

This Agreement is between you and us and governs your use, access, and management of J.P.
Morgan Chase’s digital platforms, including Chase Online, Chase Mobile®, Chase Business
Online, J.P. Morgan Online, and J.P. Morgan Mobile (collectively, the "Digital Platforms"). This
Agreement also governs your use of the products, services (including Online Services and
Mobile Services), and software made available to you on the Digital Platforms and certain
third party digital platforms, as determined by us from time to time, including the products
and services governed by the terms contained in the Addenda attached hereto (collectively,
"Services").

By enrolling in and using the Digital Platforms and the Services, you agree to be bound by the
General Terms and Conditions and the terms specific to each Service as set forth in the
Addenda following the General Terms and Conditions. Although you are agreeing to the
terms specific to each Service set forth in the Addenda, the Services will not be activated until
you take the necessary steps to do so through one of the Digital Platforms. Any Service you
have already activated will remain active after acceptance of this Agreement.

This Agreement contains an arbitration provision that covers most disputes between you and
us regarding this Agreement. Please read the arbitration provision set forth in Section 14 of
the General Terms and Conditions as it affects your rights under this Agreement.

If you have any questions regarding the Digital Platforms or Services, please call (877)
CHASEPC (877-242-7372).

Table of Contents
General Terms and Conditions

GENERAL TERMS AND CONDITIONS

1. General
2. Fees and Charges Associated with the Digital Platforms and Services
 3. Mobile Services
4. Records; Communications
5. Account Information
6. Cutoff Times
7. Notices Associated with Electronic Communications, Change in Terms of this
Agreement, or New Features
8. Computer Equipment; Browser Access and Internet Services
9. Passwords and Other Sensitive Information
10. Interruptions in Service; Risks of Electronic Transactions and Access to Information
11. Limitation of Liability
12. Representations, Warranties, and Covenants of Customer
13. No Warranties by J.P. Morgan Chase
14. Disputes and Arbitration
15. Restrictions
16. Privacy
17. Indemnity
18. Risk of Loss
19. Authorization for Minors and Children to Access Digital Platforms and Services
20. Intellectual Property
21. Confidentiality
22. Links
23. Right to Audit
24. Termination and Suspension; Assignment; Survival
25. Notice of Claims
26. Waiver; Severability
27. Entire Agreement
28. Governing Law
GLOSSARY
Addendum: Access and Security Manager Online Service
TERMS AND CONDITIONS APPLICABLE TO BOTH BUSINESS ACCOUNTS AND CONSUMER
ACCOUNTS
1. Changes to Existing Account Documentation
2. Indemnity
ADDITIONAL TERMS APPLICABLE TO BUSINESS ACCOUNTS ONLY (See Section 6 below for
Additional Terms and Conditions Applicable to Consumer Accounts Only)
3. Authority of Account Administrator
4. Issuance of User IDs and Passwords to Account Administrator
5. Changes to Account Administrator
ADDITIONAL TERMS AND CONDITIONS APPLICABLE TO CONSUMER ACCOUNTS
6. Links to Consumer Accounts
DEFINITIONS
Addendum: Account Aggregation Service
1. The Data Aggregation Service
2. Instant Account Verification Service
3. Use and Ownership of Customer and Aggregated Data
4. Representations, Warranties, and Covenants
5. Limited Power of Attorney
 6. Fees
7. Warranty Disclaimers; Limitation of Liability
8. Aggregation Vendor
9. Eligible Custodians
10. Portal Access
11. Termination
12. General Provisions
Addendum: ACH Collections Service
1. ACH Collections Service
2. Fees
3. Cutoff Times; ACH Deliver By Date
4. Duplicate Entries
5. Exposure Limits
6. Collections via ACH
7. ACH Rules
8. Processing; Transmittal
9. Rejections; Returns
10. Reversals
11. Name/Identifying Number Inconsistencies
12. Warranties; Indemnity
13. Cancellation of the ACH Collections Service
14. Definitions
Addendum: ACH Payment Service
1. ACH Payment Service
2. Fees
3. ACH Deliver By Date
4. Duplicate Entries
5. Notifications
6. ACH Rules
7. Processing; Transmittal
8. Rejections; Returns
9. Reversals
10. Name/Identifying Number Inconsistencies
11. Warranties; Indemnity
12. Cancellation of the ACH Payment Service
13. Definitions
Addendum: Bill Payment Service
1. General Terms Applicable to Bill Payments
2. Cutoff Times
3. Service Fees
4. Repeating Payments
5. Bill Payment Service
6. Terms applicable to your use of the e-Bills Service for both Consumer and Business
Accounts
7. J.P. Morgan Chase Is Not Responsible for Third Parties
8. ADDITIONAL TERMS APPLICABLE ONLY TO BILL PAYMENTS FOR CONSUMER
ACCOUNTS.
 The Online and Mobile Banking Guarantee – Only for Online and Mobile Payments and
Transfers (for Consumer Deposit and Prepaid Accounts Only)
9. The Bill Pay Guarantee – for Online and Mobile Bill Payments and for Online and
Mobile Payments to a Chase Loan or Credit Account made from a J.P. Morgan Chase
checking account
10. ADDITIONAL TERMS APPLICABLE ONLY TO BILL PAYMENTS FOR BUSINESS
ACCOUNTS
11. Definitions
Addendum: Bill Pay Directory Service
1. Processing of Electronic Payments
2. Transmission of Data
3. Fees
4. Cancellation of the Electronic Payment Service
Addendum: Chase and J.P. Morgan QuickDeposit for Mobile
1. Chase and J.P. Morgan QuickDeposit Service
2. Item Quality and Processing
3. Representations, Warranties, and Covenants of Customer
Addendum: Chase QuickDeposit Classic for Business Banking
1. Chase QuickDeposit Service
2. Deposit Limits
3. Item Processing
4. Representations, Warranties, and Covenants of Customer
5. Cancellation or Termination of Service
Exhibit A to Chase QuickDeposit Classic for Business Banking Addendum
Addendum: Fraud Protection Services
1. Fraud Protection Services
2. Eligibility
3. Activation
4. The Positive Pay Service
5. The Reverse Positive Pay Service.
6. ACH Debit Block Service
7. Unavailability of Service/ Alternative Service
8. Disclaimer
9. Definitions
Addendum: Gifting Service
Addendum: Online Wire Transfer and Chase Global Transfer Services
1. Protect Yourself Against Wire Scams
2. Service
3. Security Procedures
4. Processing, Canceling, Delays and Notifications of Funds Transfers
5. Identifying Number
6. Repeating and Future Dated Funds Transfers
7. Foreign Exchange Transfer
8. Fees and Payment Route
9. Funds Transfer System Rules and Laws
10. Failure to Perform; Limitation of Liability
11. Contact Us in the Event of an Error
 12. Consumer International Funds Transfers
13. How to contact us
Addendum: PayPal Provisioning Platform Terms
1. Service Description
2. P3 Information
3. Transaction History
4. Eligibility and Removal of Chase P3 Cards
5. Your Chase P3 Card Terms Do Not Change
6. J.P. Morgan Chase Is Not Responsible for Third Parties
7. Access and License
8. Merchant Offers
9. Privacy
Addendum: Personal Financial Management Service
1. The PFM Service
2. PFM Service Fees
3. Cancellation of your PFM Service
Addendum: Real-Time Payments Service
1. About the Real-Time Payments Service
2. Sending Funds
3. Risks Associated with the Real-Time Payments Service
4. Receiving Payments
5. Fees
6. Requests for Payment
7. Failed Service Transfers
8. Availability of Funds
9. Prohibited Payments
Addendum: Terms for Adding Payment Information to Businesses
1. Adding Your Chase Card
2. Your Card Terms Do Not Change
3. Applicable Fees
4. J.P. Morgan Chase Is Not Responsible for the Business
5. Transaction History
6. Removing Your Card from a Business
7. Ending or Changing these Terms
8. Privacy
9. Limitation of Liability; No Warranties
10. Questions
Addendum:
Terms for Adding Your Chase Card to a Third Party Digital Wallet
1. Adding Your Chase Card
2. Your Chase Card Terms Do Not Change
3. Applicable Fees
4. Chase Is Not Responsible for the Wallet
5. Transaction History
6. Contacting You Electronically and by Email or through Your Mobile Device
7. Removing Your Chase Card from the Wallet
8. Governing Law and Disputes
 9. Ending or Changing these Terms; Assignments
10. Privacy
11. Notices
12. Limitation of Liability; No Warranties
13. Questions
Addendum: Transfers Service
1. General Terms Applicable to Transfers
2. Additional Terms Applicable Only to Transfers For Consumer Accounts
3. Our Guarantee
4. Additional Terms Applicable Only to Transfers for Business Accounts
5. Definitions
Addendum: Zelle® Service
1. General Terms Applicable to the Service; Eligibility and User Profile
2. Registering/Enrolling for the Service
3. Statements
4. Mobile & Text Services; Consent to Emails and Automated Text Messages
5. Wireless Operator Data
6. Cancellation of Your Service
7. Cutoff Times
8. Receiving Money
9. Requesting Money
10. Sending Money
11. Transfer Limits
12. Repeating Transfers
13. Terms applicable to your use of Zelle platforms
14. Zelle Fees
15. Limitation of Liability: No Warranties
16. Binding Arbitration
17. Termination
18. No Purchase Protection
19. ADDITIONAL TERMS APPLICABLE ONLY TO THE SERVICE FOR BUSINESS ACCOUNTS
20. Definitions

GENERAL TERMS AND CONDITIONS

1. General

General Terms

This Agreement contains the terms and conditions that govern your enrollment in and use of
the Digital Platforms and Services. When you use or access, or permit any other person(s) or
entity(ies) to use or access the Digital Platforms or Services on your behalf, you agree to the
terms and conditions of this Agreement. By using or accessing the Digital Platform and the
Services, you acknowledge that you have read, understand, and agree to abide by the terms
and conditions of this Agreement. If you do not agree to the terms and conditions set forth
herein, you may not use or access the Digital Platforms or the Services.
Additionally, you acknowledge or otherwise agree to comply with: (a) such other written
requirements as we may provide in connection with the Digital Platforms, Services, or
Products, including all terms and conditions contained in any account agreements, loan
documents, cardmember agreements, EULA, and privacy policies (collectively, the "Other
Documents"); and (b) all applicable state, federal and international laws and regulations. To
the extent there is a direct and irreconcilable conflict between this Agreement and the Other
Documents, the Other Documents shall control unless this Agreement specifically states
otherwise.

This Agreement is not intended to modify the Other Documents and the Other
Documents will continue to apply to your accounts. If this Agreement conflicts with any
statements made by one of our employees or by our affiliates’ employees, this Agreement
will govern. When using other services or features available through the Digital Platforms but
provided directly by third parties, your use of such services or features will also be governed
by the agreements and other terms or conditions with such third parties governing use of
those services or features.

Services described in this Agreement, as well as any associated fees, charges, interest rates
and balance requirements, may differ among geographic locations. Not all Services are
offered at all locations. Therefore, you may not be eligible for all the Services described in this
Agreement. We reserve the right to determine your eligibility for any Service. By offering the
Services via the Digital Platforms, we make no distribution or solicitation to any person
and/or entity to use the Services in jurisdictions where the provision of the Services is
prohibited by law.

Interpretation of Certain Terms

Unless otherwise defined within these General Terms and Conditions or the applicable
Addendum, capitalized terms have the meanings given to them in the Glossary. Any
capitalized terms used but not defined have the meaning given in the Other Documents.

Except as otherwise provided, the terms “hereby,” “herein,” “hereof,” “hereto,” “hereunder,”
and similar terms refer to this Agreement as a whole and not to the specific section,
subsection, paragraph, or other subdivision of this Agreement in which those terms appear.

All titles or captions are inserted only as a matter of convenience and for reference and in no
way define, limit, construe, or describe the scope of this Agreement or the intent of any
provision hereof.

The words “include,” “includes,” and “including” will be deemed to be exemplary and not
exclusive, whether or not followed by the phrase “without limitation” or similar phrase.

Defined terms include the plural as well as the singular, and any pronouns include any of the
corresponding masculine, feminine, or neuter forms, as required by context.

The use of “or” and “and/or” shall be deemed to be accurate throughout this Agreement
unless the context suggests otherwise.
Each covenant and agreement will be construed for all purposes to be a separate and
independent covenant or agreement.

These General Terms and Conditions and Addenda may be made available in Spanish as a
courtesy. If there is any difference in meaning between the Spanish and English versions of
this Agreement or any related documents we provide you, either now or in the future, the
English version is the official document and will prevail. Please consult with a translator if you
have any questions.

2. Fees and Charges Associated with the Digital Platforms and Services

General access to the Digital Platforms is currently provided to you at no additional cost.
However, you may incur fees or charges if you access or use some of the Services available
on the Digital Platforms. Additionally, you will be responsible for paying any telephone
company or utility charges and/or Internet access service fees incurred while using telephone
lines and/or Internet access services to connect with the Digital Platforms or that apply in
connection with the Services. In addition, you are responsible for any and all charges,
including fees associated with text messaging, data, or other message services imposed by
your Communication Service Provider, including for short message service.

Fees or charges that may apply in connection with the Services are set forth in each
Addendum. In addition to the fees set forth in each Addendum, as applicable, you agree to
pay all fees, charges, and penalties, and comply with balance requirements and other
restrictions set forth in your Other Documents. You agree to promptly pay all fees and
charges in connection with the Services and, except as otherwise provided in the Other
Documents, you authorize us to automatically deduct all applicable fees and charges from
your account(s).

Fees and charges are subject to change and we may impose new or additional charges,
penalties or fees in connection with your use of the Digital Platforms and Services at any time.
Your continued use of a Digital Platform or Service after we provide notice of such new,
additional, or changed fees or charges constitutes your agreement to such fees or charges.

We also reserve the option, in our business judgment, to waive, reduce, or reserve charges or
fees in individual situations.

3. Mobile Services

Communications

You agree that we may send you information related to the Mobile Services through your
Communication Service Provider and that your Communication Service Provider is acting as
your agent in this capacity. You agree to provide a valid phone number, email address or
other delivery location so that we may send you information related to the Mobile Services,
including information about your applicable account or Card. You will immediately notify us if
any phone number or email address you have provided is (a) surrendered by you, or (b)
changed by you.
You understand and agree the Mobile Services may not be encrypted and may include
personal or confidential information about you, such as your account activity or status.
Delivery and receipt of information, including Instructions and/or other instructions regarding
move money transactions through the Mobile Services may be delayed or impacted by
factor(s) pertaining to your Internet Service Provider(s), Communication Service Provider(s) or
other parties, or because of other reasons outside of our control. You also understand that
there may be a disruption in service when you change your Internet Service Provider(s) or
Communication Service Provider.

We do not warrant that the Digital Platforms or Services will be compatible with your mobile
device or carrier. Your use of the Digital Platforms or Services may be subject to the terms of
your agreements with your mobile device manufacturer or your carrier. You may not use a
modified device to use the Digital Platforms or Services if the modification is contrary to the
manufacturer’s software or hardware guidelines, including disabling hardware or software
controls – sometimes referred to as “jail broken.”

Marketing

You understand and agree that any marketing or offers that appear on Mobile Services are
intended for U.S. customers, are only valid in the U.S., and only valid where allowed by state
law. We do not extend marketing or offers into foreign jurisdictions where they may be
prohibited.

Differences from the Online Services

Not all of the Services or Products described in this Agreement or the services, products, or
functionality described on our website(s) may be available when you use a mobile device.
Therefore, you may not be eligible to use the Services, Products, or other services, products,
or functionality when you access or try to access them using a mobile device. We reserve the
right to determine your eligibility for any Service, Product, or other services, products, or
functionality.

Additionally, information available through the Online Services may not be available via the
Mobile Services or may differ from the information available via the Mobile Services. Such
information available through the Online Services may also be described using different
terminology (including capitalized terms used in the Agreement or on certain of our Digital
Platforms), or may be more current than the information available via the Mobile Services.
This includes account balance information, and Transfer and payment information.

The method of entering Instructions via the Mobile Services may also differ from the method
of entering Instructions directly through the Online Services. Processing of Instructions may
take longer through the Mobile Services.

Identity and Location Verification

You authorize your wireless carrier to use and/or disclose information about you and your
wireless device to J.P. Morgan Chase which we may use for the duration of your relationship
with us, to help identify you or your wireless device and to help protect against fraud or
unauthorized use of our services under this Agreement. Those details may include, among
others, name, billing address, email, phone number, and device location.

Alerts and Text Banking

Your enrollment in the Mobile Services includes access to Alerts and Text Banking. The Alerts
and Text Banking services are provided for your convenience and do not replace
your periodic account statement(s)or other notices, such as trade confirmation for
Investment Accounts. The Alerts and Text Banking services are only available to customers
who have an eligible account with us. An eligible account includes a Consumer Account, a
Business Account, an auto, mortgage, or home equity account, and Investment Accounts, and
may include other accounts as determined by J.P. Morgan Chase in the future. You may be
automatically enrolled to receive certain Alerts.

By receiving or otherwise using the Services, you understand and agree that: (a) we may send
messages through your Communication Service Provider in order to deliver them to you and
that your Communication Service Provider is acting as your agent in this capacity; and (b) we
may use a phone number, email address or other delivery location we have in our records for
you or other such contact information as you may provide to us for the Service so that we
may send you certain information about your applicable account.

There is no service fee for the Alerts and Text Banking services but you are responsible for
any and all charges, including fees associated with text messaging imposed by your
Communication Service Provider. Message and data rates may apply. Such charges
include those from your Communication Service Provider. Message frequency depends
on user preferences. To cancel the Alerts and Text Banking services, send STOP to 24273
at any time (J.P. Morgan Online clients only, send STOP to 576746). You expressly
consent to receipt of a text message to confirm your “STOP” request. For help or
information on the Alerts and Text Banking services, send HELP to 24273. For additional
assistance with the Alerts and Text Banking services, contact customer service at 877-
CHASEPC (877-242-7372) (J.P. Morgan Online clients only call 866-265-1727).

4. Records; Communications

Our records shall be presumed to accurately reflect the contents of your Instructions to us
and, in the absence of manifest error, will be binding and conclusive.

You agree to provide a valid email address so that we may send you certain information
related to the Digital Platforms and Services, including for the purpose of servicing or
managing any of your accounts. You will immediately notify us if any phone number, email
address, or other contact information you have provided is (a) surrendered by you, or (b)
changed by you.

You consent to receive electronic communications and disclosures from us related to the
Digital Platforms and Services, including any Card or Chase P3 Card. You agree that we can
contact you by email at any email address you provide to us in connection with any J.P.
Morgan Chase product, service or account, or through the mobile device on which you have
downloaded the Chase Mobile app. It may include contact from companies working on our
behalf to service your accounts. If at any time you revoke your consent to receive such
electronic communications and disclosures, certain Services may be cancelled, including your
P3 activation.

Unless otherwise prohibited by law or the applicable privacy policies, any communication or
material you transmit to us via the Digital Platforms, the Services, or email is on a non-
confidential basis and we may use such communication or material for any purpose,
including reproduction, publication, broadcast and posting. We are entitled and, in some
cases, obligated, to monitor, retain and review all communications to us or made via the
Digital Platforms or Services, including those by telephone, email and other formats, for
reasonable business purposes, such as to survey the quality of service that you receive, to
assure compliance with this Agreement and industry regulations, and to maintain the security
of the Digital Platforms and Services. You agree that information you provide to us in
connection with this Agreement will be complete and accurate.

By accessing the Digital Platforms and using the Services, you agree we may send you emails
and other notifications through your mobile device or tablet device regarding benefits and
features that you may receive in connection with the Digital Platforms and Services. When
you give us your mobile phone number, we have your permission to contact you at that
number about all your accounts. Your consent allows us to use text messaging, artificial or
prerecorded voice messages and automatic dialing technology for informational and account
service calls, but not for telemarketing or sales calls. It may include contact from companies
working on our behalf to service your accounts. You may contact us at any time to change
these preferences or to opt out of these communications.

You agree that you will not transmit securities trade orders or any other transactional
instructions, including Instructions, to us using email, text or other electronic means not
designed by us to accept such instructions. You acknowledge that we will not act upon
instructions, including Instructions, transmitted through email, text or other electronic means
not designed by us to accept such instructions and that we may not be in a position, by virtue
of time zone difference and otherwise, to respond to your communications sent by such
means within the time frame contemplated by you.

5. Account Information

Account information and data is provided to you on the Digital Platforms or in connection
with any Service as a convenience and is not the official record of your account or its activity.
Your account statement, furnished to you by us in a paper format, or electronically if you are
enrolled in the Paperless Statements Service, will remain the official record. Information
provided on the Digital Platforms or through any Service is generally updated regularly, but is
subject to adjustment and correction, and therefore should not be relied upon by you for
taking, or forbearing to take, any action.

6. Cutoff Times
All Cutoff Times referenced in this Agreement reflect the times displayed on our internal
system clocks and may not necessarily be synchronized with the internal clock displayed on
your computer or mobile device. For this reason, we suggest that you transmit any
Instructions to us sufficiently in advance of such Cutoff Times to eliminate the possibility of
missing the cutoff. Instructions entered after the Cutoff Time with a Send On Date that is the
Current Day or next Business Day may start to process immediately, and may be Funded
prior to the requested Send On Date.

7. Notices Associated with Electronic Communications, Change in Terms of

this Agreement, or New Features

We may, from time to time, amend or change this Agreement (including applicable fees and
service charges) or update, discontinue or modify any of the Digital Platforms, Services, or
features to the Digital Platforms or Services (including adding additional/new Services), in our
sole discretion. If we do so, we will notify you by sending you notice by email or by regular
mail, or by posting the updated terms on the Digital Platforms. Your use of the Digital
Platforms and Services after we have made such changes or new Services or features
available will be considered your agreement to the change. Please access and review this
Agreement regularly. If you find this Agreement unacceptable to you at any time, please
discontinue your use of the Digital Platforms and the Services.

You agree that by using the Digital Platforms and any Service, all notices or other
communications which we may be required to give you arising from our obligations under
this Agreement may be sent to you by any or all of the following sources, at our option:
through electronic notice given to any email we have for you; any other email address or
phone number you provide to us; the current address we have on file for you; or in any other
manner permitted by law including posting it on our website or on the Digital Platforms.

8. Computer Equipment; Browser Access and Internet Services

You are responsible for obtaining, installing, maintaining and operating all Systems necessary
for you to access and use the Digital Platforms and Services, including your utilizing up to
date web-browsers and the best commercially available encryption, antivirus, anti-spyware,
and Internet security software. You are additionally responsible for obtaining Internet
services via the Internet Service Provider of your choice. You acknowledge that there are
certain security, corruption, transmission error, and access availability risks associated with
using open networks such as the Internet and you hereby expressly assume such risks.

You acknowledge that you are responsible for the data security of the Systems used to access
the Digital Platforms and Services, and for the transmission and receipt of information using
such Systems. You acknowledge that you have requested to use and access the Digital
Platforms and Services for your convenience, have made your own independent assessment
of the adequacy of the Internet and Systems, and that you are satisfied with that assessment.
We are not responsible for any errors or problems that arise from the malfunction or failure
of the Internet or your Systems, nor are we responsible for notifying you of any upgrades,
fixes, or enhancements to, or for providing technical or other support for your Systems.
Although we may provide a link to a third party site where you may download software, we
make no endorsement of any specific software, hardware or Internet Service Provider and
your use of any such software, hardware or service may also be subject to the EULA or other
agreements of that provider, in addition to the terms and conditions of this Agreement. You
will not use the Services in any manner that interferes with the operation of the Digital
Platforms or the Services.

9. Passwords and Other Sensitive Information

General

To prevent unauthorized access to your accounts and to prevent unauthorized use of the
Digital Platforms and Services, you agree to protect and keep confidential your Card
numbers, account numbers, PINs, user IDs, Passwords, or other means of accessing your
accounts via the Digital Platforms or Services. We may at our option change the parameters
for your Password without prior notice to you, and if we do so, you will be required to change
your Password the next time you access the Digital Platforms or Services.

The loss, theft, or unauthorized use of your Card numbers, account numbers, PINs, user IDs,
and Passwords could cause you to lose some or all of the money in your accounts, plus any
amount available under your overdraft protection credit line if you have a Business Account,
or draws on your credit card account. It could also permit unauthorized persons to gain
access to your sensitive personal and account information and to use that information for
fraudulent purposes, including identity theft. If you disclose your Card numbers, account
numbers, PINs, user IDs, and/or Passwords to any person or entity, including any employee
or agent, you assume all risks and losses associated with such disclosure. If you permit any
other person(s) or entity(ies), including any data aggregation service providers, to use the
Digital Platforms, any Service, or to access or use your Card numbers, account numbers, PINs,
user IDs, Passwords, or other means to access your accounts, you are authorizing any
transactions and activities performed by them and are responsible for any transactions and
activities performed from your accounts and for any use of your personal and account
information by any person or entity to whom they may provide that personal and account
information.

If you believe someone may attempt to use or has used the Digital Platforms or
Services to access your accounts without your permission, that any of your Passwords
or user IDs have been lost or stolen, or that any other unauthorized use, including
Transfers, or security breach has occurred, you agree to immediately notify us at 877-
CHASEPC (877-242-7372) (J.P. Morgan Online clients only, call 866-265-1727 or 302-634-
5115 for international clients).

ACCOUNT ACCESS THROUGH THE DIGITAL PLATFORMS OR SERVICES IS SEPARATE AND

DISTINCT FROM YOUR EXISTING SIGNATURE ARRANGEMENTS FOR YOUR ACCOUNTS.
THEREFORE, WHEN YOU GIVE AN INDIVIDUAL THE AUTHORITY TO ACCESS ACCOUNTS
THROUGH THE DIGITAL PLATFORMS OR SERVICES, THAT INDIVIDUAL MAY HAVE ACCESS TO
ONE OR MORE ACCOUNTS TO WHICH THAT INDIVIDUAL WOULD NOT OTHERWISE HAVE
SIGNATURE ACCESS. YOU ASSUME THE ENTIRE RISK FOR THE FRAUDULENT, UNAUTHORIZED
OR OTHERWISE IMPROPER USE OF YOUR PASSWORD. WE SHALL BE ENTITLED TO RELY ON
THE GENUINENESS AND AUTHORITY OF ALL INSTRUCTIONS RECEIVED BY US WHEN
ACCOMPANIED BY SUCH PASSWORD, AND TO ACT ON SUCH INSTRUCTIONS.

Special Provision for Business Customers

Any user ID or Password we provide to you is provided to you in your capacity as a

representative of the business entity registered with the Digital Platform or Service only, and
may not be retained by you after any termination of your relationship with such business
entity. You agree to inform us immediately if a person with access to a Password leaves the
employ or is no longer a representative of the entity to which that Password has been
assigned.

10. Interruptions in Service; Risks of Electronic Transactions and Access to

Information

The Digital Platforms and Services are typically available for your use 7 days a week, 24 hours
a day. However, we may from time to time (a) perform maintenance on the Digital Platforms
or any Service or (b) experience hardware, software, or other problems related to the Digital
Platforms and Services, resulting in interrupted service, delays or errors in the Digital
Platforms and/or Services.

Your ability to access the Digital Platforms or any Service may be limited during periods of
high volume, systems upgrades and maintenance or for other reasons. If the Digital
Platforms or Services are not available for transactions or if conditions render its use
inappropriate, you agree to use alternative means to conduct transactions or place your
orders, such as calling your J.P. Morgan Chase representative or the call center servicing your
account. We will not be liable to you if you are unable to access the Digital Platforms or the
Services, or complete transactions through them.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, AND EXCEPT AS OTHERWISE SPECIFICALLY SET
FORTH IN THIS AGREEMENT, WE, OUR AFFILIATES, ANY OF OUR THIRD PARTIES, AND ANY OF
OUR OR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, REPRESENTATIVES,
AFFILIATES, AND AGENTS WILL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY
INDIRECT, INCIDENTAL, SPECIAL, COMPENSATORY, CONSEQUENTIAL, OR EXEMPLARY
DAMAGES THAT ARISE FROM, REGARD OR RELATE TO, OR RESULT FROM THE ACCESS TO, USE
OF (OR INABILITY TO ACCESS OR USE), OR AVAILABILITY OF (OR LACK THEREOF) THE DIGITAL
PLATFORMS, SERVICES, OR PRODUCTS, REGARDLESS OF THE FORM OF THE ACTION AND
EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

YOU AGREE THAT WE MAY RELY ON THE PAYMENT DETAILS, INSTRUCTIONS, AND RECIPIENT
DETAILS THAT YOU PROVIDE AND THAT WE, OUR AFFILIATES, AND OUR THIRD PARTIES ARE
NOT RESPONSIBLE OR LIABLE FOR DIRECT, INDIRECT, INCIDENTAL, SPECIAL,
COMPENSATORY, CONSEQUENTIAL, OR EXEMPLARY DAMAGES FOR RESOLVING PAYMENT
DISPUTES OR OTHER DISPUTES REGARDING SENDING, RECEIVING, OR REQUESTING MONEY
THROUGH THE DIGITAL PLATFORM, SERVICES, OR PRODUCTS WE OFFER.

Any provision of this Agreement that limits our liability does not negate our duty (if any)
under applicable law to act in good faith and with reasonable care. If any provision of this
Agreement is determined to limit our liability in a way prohibited by applicable law, the
provision will nevertheless be enforced to the fullest extent permitted under that law.

This Section 11 shall survive termination of this Agreement.

12. Representations, Warranties, and Covenants of Customer

You represent, warrant, and covenant to us that:

• you are authorized to enter into this Agreement, including each Addendum, as
applicable, and to bind you and your business (as applicable) hereto;
• you shall obtain all written authorizations necessary to enable us to perform the
Services and that are required by applicable law, rules, and regulations, and shall
furnish us with copies of authorizations if requested;
• you will not use any Service for international ACH transactions, which are prohibited
under this Agreement;
• you will comply with this Agreement and all laws, rules and regulations applicable to you
in your use of the Digital Platforms, Services, and Products, including those pertaining to
(a) exports or imports of software and related property; (b) use or remote use of
software and related property; or (c) registration of any Addendum;
• you are authorized to have viewing access to any account that you access through the
Digital Platforms or any Service;
• you will provide true, accurate, current and complete information about yourself and
your accounts (including any External Accounts) and you will not misrepresent your
identity or your account information (including any External Account information); and
• you will not use the Digital Platforms or any Service for any purpose prohibited by
foreign exchange regulations, postal regulations or any other treaty, statute, regulation
or authority.

13. No Warranties by J.P. Morgan Chase

EXCEPT AS OTHERWISE EXPRESSLY PROVIDED IN THIS AGREEMENT, YOU UNDERSTAND AND

AGREE THAT WE PROVIDE NO WARRANTIES REGARDING YOUR USE OF THE DIGITAL
PLATFORMS AND SERVICES. THE DIGITAL PLATFORMS AND SERVICES ARE INFORMATION,
SOFTWARE, HARDWARE, CAPTURE DEVICES, PRODUCTS AND OTHER CONTENT (INCLUDING
THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) PROVIDED ON AN “AS IS” “WHERE-
IS” AND “WHERE AVAILABLE” BASIS, AND ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT
NOTICE TO YOU. YOU ACKNOWLEDGE THAT WE AND ANY OF OUR THIRD PARTY SERVICE
PROVIDERS MAKE NO WARRANTY THAT THE DIGITAL PLATFORMS OR SERVICES WILL BE
UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE UNLESS OTHERWISE STATED ON THE
DIGITAL PLATFORMS, SITE OR IN ANY APPLICABLE AGREEMENT. TO THE FULLEST EXTENT
PERMITTED BY LAW, WE DISCLAIM ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS
OF ANY KIND (EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING THE WARRANTIES
OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-
INFRINGEMENT OF PROPRIETARY RIGHTS) AS TO THE DIGITAL PLATFORMS AND SERVICES
AND ALL INFORMATION, PRODUCTS, CAPTURE DEVICES, SOFTWARE, HARDWARE AND OTHER
CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED
IN OR ACCESSIBLE FROM THE DIGITAL PLATFORMS OR SITES. NO LICENSE TO YOU IS IMPLIED
IN THESE DISCLAIMERS.

14. Disputes and Arbitration

You and we agree that, upon the election of either of us, any claims or disputes (as defined
below) pertaining to the digital platforms, products, and services in this agreement will be
resolved by binding arbitration as discussed below and not through litigation in any court
(except for matters in small claims court). This arbitration agreement is entered into pursuant
to the Federal Arbitration Act, 9 U.S.C. §§ 1-16 ("FAA"). Any dispute, claim or controversy
about the underlying accounts, loans, credit cards, etc. will be resolved pursuant to the
provisions of the Other Documents (as defined in Section 1 above) pertaining to them. Any
dispute, claim or controversy in connection with an Investment Account will be resolved
pursuant to the provisions of the agreement governing your Investment Account and is not
subject to the dispute provisions of this Section.

YOU HAVE A RIGHT TO OPT OUT OF THIS AGREEMENT TO ARBITRATE, AS DISCUSSED BELOW.
UNLESS YOU OPT OUT OF ARBITRATION, YOU AND WE ARE WAIVING THE RIGHT TO HAVE
OUR DISPUTE HEARD BEFORE A JUDGE OR JURY, OR OTHERWISE TO BE DECIDED BY A COURT
OR GOVERNMENT TRIBUNAL, AND YOU AND WE ARE ALSO WAIVING ANY ABILITY TO ASSERT
OR PARTICIPATE IN CLASS, REPRESENTATIVE, OR CONSOLIDATED PROCEEDING, WHETHER IN
COURT OR IN ARBITRATION. ALL DISPUTES, EXCEPT AS STATED BELOW, MUST BE RESOLVED
BY BINDING ARBITRATION WHEN EITHER YOU OR WE REQUEST IT.

What claims or disputes are subject to arbitration?

Claims or disputes between you and us about the digital platforms, products, and services in
this agreement are subject to arbitration. Any Claims or disputes arising from or relating to
this Agreement or any prior agreements of similar type between us are included. Claims or
disputes are subject to arbitration, regardless of what theory they are based on or whether
they seek legal or equitable remedies. Arbitration applies to any and all such claims or
disputes, whether they arose in the past, may currently exist or may arise in the future. All
such claims or disputes are referred to in this section as "Claims."

The only exception to arbitration of Claims is that both you and we have the right to pursue a
Claim in a small claims court instead of arbitration, if the Claim is in that court’s jurisdiction
and proceeds on an individual basis.

Can I (customer) cancel or opt out of this agreement to arbitrate?

You have the right to opt out of this agreement to arbitrate if you tell us within sixty (60) days
of accepting this Agreement. Requests to opt out of this Agreement that are made more than
sixty (60) days after the initial acceptance of this Agreement are invalid. If you already have
pending litigation or arbitration against/with us when you accept this Agreement, any request
to opt out of this arbitration clause will not apply to that litigation or arbitration. If you want
to opt out, go to the Legal Agreements and Disclosures section of your chase.com or
jpmorganonline.com profile or on Chase Mobile or JP Morgan Mobile. Otherwise this
agreement to arbitrate will apply without limitation. Opting out of this agreement to arbitrate
will not affect the other provisions of this Agreement. If you validly opt out of this agreement
to arbitrate, your decision to opt out will apply only to this arbitration agreement and not any
other arbitration agreement.

What about class actions or representative actions?

Claims in arbitration will proceed on an individual basis, on behalf of the named parties only.

YOU AND WE AGREE NOT TO:

• SEEK TO PROCEED ON ANY CLAIM IN ARBITRATION AS A CLASS CLAIM OR CLASS

ACTION, PRIVATE ATTORNEY GENERAL PROCEEDING, OR OTHER REPRESENTATIVE
PROCEEDING;
• SEEK TO CONSOLIDATE IN ARBITRATION ANY CLAIMS INVOLVING DIFFERENT
CLAIMANTS (EXCEPT FOR CLAIMANTS WHO ARE ON THE SAME ACCOUNT), UNLESS WE
AGREE;
• BE PART OF, OR BE REPRESENTED IN, ANY CLASS ACTION OR OTHER REPRESENTATIVE
ACTION BROUGHT BY ANYONE ELSE; NOR
• SEEK ANY AWARD OR REMEDY IN ARBITRATION AGAINST OR ON BEHALF OF ANYONE
WHO IS NOT A NAMED PARTY TO THE ARBITRATION, INCLUDING BUT NOT LIMITED TO
PUBLIC INJUNCTIVE RELIEF.

Any question regarding the enforceability or interpretation of this section (“What about class
actions or representative actions?”) shall be decided by a court and not the arbitrator. If a
court determines that any of the terms of this section are legally unenforceable for any
reason with respect to a Claim or request for relief sought in connection with a Claim, then
you and we agree that the arbitration and litigation shall proceed as follows: (1) all Claims or
requests for relief for which arbitration is legally enforceable must be filed and adjudicated in
arbitration; (2) any Claims or requests for relief for which arbitration is not legally enforceable
will be decided through litigation in court; (3) any Claims or requests for relief that are to be
decided through litigation in court will be stayed pending completion of the arbitration of all
other Claims or requests for relief; and (4) when litigation in court resumes, the Court may
consider but will not be bound by any determination made by the arbitrator. By way of
example, if a Claim seeks both public injunctive relief and other relief, and the prohibition on
an award of public injunctive relief is found to be unenforceable, then the request for public
injunctive relief will be decided in litigation in the court after Claims seeking other relief had
been adjudicated in arbitration on an individual basis. For the avoidance of doubt, no
arbitrator shall have authority to entertain any Claim on behalf of a person who is not a
named party, nor shall any arbitrator have authority to make any award for the benefit of, or
against, any person who is not a named party.
Does arbitration apply to Claims involving third parties?

Arbitration applies whenever there is a Claim between you and us. If a third party is also
involved in a Claim between you and us, then the Claim will be decided with respect to the
third party in arbitration as well, and it must be named as a party in accordance with the rules
of procedure governing the arbitration. No award or relief will be granted by the arbitrator
except on behalf of, or against, a named party. For purposes of arbitration, “you” includes any
person who is listed on your account, and “we” includes J.P. Morgan Chase, all its affiliates,
and all third parties who are regarded as agents or representatives of ours in connection with
a Claim. (If we assign your account to an unaffiliated third party, then “we” includes that third
party.) The arbitration may not be consolidated with any other arbitration proceeding.

How does arbitration work?

The party filing a Claim in arbitration must select JAMS or the American Arbitration
Association ("AAA") as the arbitration administrator. That organization will apply its rules and
procedures in effect at the time the arbitration is commenced. If there is a conflict between
the applicable rules and procedures and this arbitration agreement and/or this Agreement,
this arbitration provision and this Agreement will control. In the event that JAMS or the AAA is
unable to handle the Claim for any reason, then the matter shall be arbitrated instead by a
neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree,
selected by a court in accordance with the FAA), pursuant to the AAA rules of procedure.

The arbitrator will decide the Claim in accordance with all applicable law and consistent with
the FAA. A single arbitrator will conduct the arbitration and will apply applicable substantive
law, including the Uniform Commercial Code, statutes of limitation, conditions precedent to
suit, and recognized principles of equity, will honor claims of privilege recognized by law. The
arbitrator will have the power to award to a party any damages or relief as permitted by the
law and the agreement between you and us (including the limitations set forth above).

Is the arbitrator’s decision final? Is there an appeal process?

The arbitration ruling will be considered final and binding, and enforceable by any court
having jurisdiction. No party may seek an appeal of the arbitration ruling, except as provided
under the FAA.

Who will pay for costs?

Unless the arbitration administrator waives your initial filing fee to commence arbitration,
you are obligated to pay that fee but, if a settlement is reached between you and us prior to
the hearing, we will reimburse you for up to $500 for filing fees as part of the negotiated
terms of the settlement. If a settlement is not reached prior to the hearing, we also will pay
any fees for the arbitrator and arbitration administrator for the first two days of any hearing.
If you are the prevailing party in the arbitration, we will reimburse you for any fees you paid
to the arbitration organization and/or arbitrator. Except as provided above, all other fees will
be allocated between you and us according to the arbitration administrator’s rules and
applicable law.

How do I (customer) file an arbitration claim?

Rules and forms may be obtained from, and Claims may be filed with, JAMS
(www.jamsadr.com) or the AAA (www.adr.org). Arbitration hearings will take place in the
federal judicial district that includes your address at the time the Claim is filed, unless the
parties agree to a different place.

This Section 14 shall survive termination of this Agreement.

15. Restrictions

You agree not to attempt to log on to the Digital Platforms or Services from any country
under sanctions by the Office of Foreign Assets Control (OFAC). Information regarding which
countries are under sanctions may be obtained on the U.S. Department of the Treasury
website. Any attempt to log on to the Digital Platforms from one of these countries may result
in your access being restricted and/or terminated.

16. Privacy

Your privacy and the security of your information are important to us. Our online privacy
policy and, where appropriate, our U.S. consumer privacy notice, as amended from time to
time (available online at chase.com and jpmorganonline.com), apply to your use of the Digital
Platforms and any of the Services. Our privacy notices, which include details about our
information sharing practices and your right to opt out of certain information sharing, were
provided to you when you opened your account with us. The notices can be viewed by
clicking on the “Security & Privacy” tab, then “Data Privacy” or by scrolling to the bottom of
our website pages and clicking the “Privacy” link.

17. Indemnity

You acknowledge and agree that you are responsible for your conduct while using the Digital
Platforms and Services and agree to indemnify, defend, and hold us, our affiliates, and each
of our respective officers, directors, shareholders, employees and agents (the “J.P.
Morgan Chase Indemnified Parties”) harmless from and against any loss, claim, damage,
liability, cost or expense of any kind (including reasonable attorneys’ and expert witness fees
and expenses and all costs of investigation) (collectively, “Losses”) in connection with any
third party claim resulting or arising from:

• your use of the Digital Platforms, any Service or Product, or the use of the Digital
Platforms or any Service or Product by anyone using your Card number, account
number, PIN, user ID or Password or your violation of this Agreement or the rights of
any third party (including privacy rights);
• your acts or omissions;
• breach by you of any representation, warranty or covenant made by you under this
Agreement or the Other Documents;
 • willful misconduct, fraud, criminal activity, intentional tort or negligence of you or any
other person or entity (other than us);
• any transmission or Instruction, whether or not authorized, acted upon by us in good
faith and in reliance upon the user IDs and Passwords;
• our acting, purporting to act or disclosing any information in accordance with your
authorization pursuant to electronic or other written instructions granting view only,
view and update and view and transact privileges to the Services to your agent(s),
attorney(s)-in-fact, or other third parties;
• your provision of a phone number, email address, information and photographs
associated with recipients contained in your mobile device contacts, or other delivery
location that is not your own or your violation of applicable federal, state or local law,
regulation or ordinance;
• any warranty or indemnity that we make with respect to an Item under any and all laws,
regulations and industry and clearing house rules, including the 21st Century Act and
Federal Reserve Board Regulations CC and J, applicable to the Items; and
• your infringement, misappropriation, or violation of any property or other right of any
third party.

For purposes of clarity, if you are a business entity, the obligations under this Section 17 will
extend to the acts and omissions of your employees, consultants, and agents.

We shall provide you with prompt notice of any third party claims and shall reasonably
cooperate with you in your defense of any such claims; provided, however, you shall have no
authority to settle any claim against any J.P. Morgan Chase Indemnified Party without the
prior written consent of such J.P. Morgan Chase Indemnified Party (which consent shall not be
unreasonably withheld).

Your obligations under this Section 17 shall be in addition to any obligations contained in the
Other Documents and shall survive termination of this Agreement.

18. Risk of Loss

In the event of a system failure or interruption, your data may be lost or destroyed. Any
transaction(s) that you initiated, were in the process of completing, or completed shortly
before a system failure or interruption should be verified by you through means other than
the Digital Platforms or Services to ensure the accuracy and completeness of such
transaction(s). Except as otherwise provided by law, you assume the risk of loss of your data
during any system failure or interruption and the responsibility to verify the accuracy and
completeness of any transaction(s) so affected. In addition, you will bear the entire risk of
loss, destruction and damage to the Products from any cause whatsoever, and no such loss,
destruction or damage shall impair any of your obligations hereunder which shall continue in
full force and effect.

19. Authorization for Minors and Children to Access Digital Platforms and
Services

We may allow you to grant your child use or access to certain Digital Platforms and Services
that are linked to your profile on the Digital Platforms. If you authorize us to grant your child
such use or access, you acknowledge and agree that this Agreement, and any applicable
digital wallet agreement or third-party wallet agreement, will apply to your child. You further
agree and accept full responsibility for your child’s use of the Digital Platforms and Services,
including any liability that he or she may incur in connection with their use of the Digital
Platforms or Services.

20. Intellectual Property

Licenses

The Digital Platforms offer a variety of content, products and services. We grant to you, for
your personal or, if you are a business, internal business purposes only, a non-exclusive, non-
transferable, limited and revocable right to access and use the Digital Platforms and Services,
as well as any software, in object code. Any software provided through the Digital Platforms
must be downloaded by you in the United States. You agree not to use the Digital Platforms
or Services for any other purpose, including commercial purposes, such as co-branding,
framing, linking, or reselling any portion of the Digital Platforms without our prior written
consent. To the extent we or our licensors make any software available to you via download
on our website for use in conjunction with the Services, we hereby grant, and you hereby
accept, for the term of this Agreement, a non-exclusive, non-assignable, non-transferable,
limited right and license to use the proprietary computer software products in object code
and any associated documentation (“Products”) for use only directly in conjunction with its
permitted use of the applicable Service.

Title and Ownership

You acknowledge and agree that: (a) other than your electronic records stored by the Digital
Platforms or the Services, all content included in or available through the Digital Platforms
and Services is the property of JPMC and/or third parties and is protected by copyrights,
trademarks, or other intellectual and proprietary rights; (b) the compilation of all content on
the Digital Platforms and Services is the exclusive property of JPMC and/or its licensors and is
protected by copyright or other intellectual property rights; (c) the trademarks, logos, and
service marks displayed on the Digital Platforms or Services (collectively, “Trademarks”) are
the registered and unregistered trademarks of JPMC or third parties, and may not be copied,
altered, modified, or changed; and (d) nothing contained on the Digital Platforms or any
Service should be construed as granting by implication or otherwise any license or right to
use any Trademark without the express written permission of JPMC or the third party which
has rights to such Trademark, as appropriate.

Except for the licenses granted to you under this Agreement, all rights, interest and title in
and to the Digital Platforms and Services, associated content, technology, application,
website(s) and Products, including any improvements, modifications, and derivative works,
will at all times remain with us or our licensors, and you shall acquire no rights in the Digital
Platforms, Services, or Products. Your use of the Digital Platforms, Services, and Products is
subject to and conditioned upon your complete compliance with this Agreement. Without
limiting the effect of the foregoing, any breach of this Agreement immediately terminates
your right to use the Digital Platforms and Services. Without limiting the foregoing, you may
not use the Digital Platforms, Services or Products (i) in any anti-competitive manner, (ii) for
any purpose which would be contrary to our business interest, or (iii) to our actual or
potential economic disadvantage in any aspect.

Use

You shall use the Digital Platforms, Services, and Products solely for your personal or internal
business purposes. For purposes of this clause, you may not use the Digital Platforms or any
Service or Product for time sharing, rental, or service bureau purposes, or the sale, marketing
or (except as otherwise expressly provided herein) commercial exploitation of the Digital
Platforms, Services, and Products.

You will notify us in writing regarding any unauthorized use or disclosure of the Digital
Platforms, Services, or Products immediately after it becomes known to you.

You may not, and will not allow or cause any third party to: (a) decompile, reverse engineer,
reverse compile, reverse-assemble, disassemble, attempt to derive the source code of, or
modify, copy, or create derivative works of any portion of the Digital Platforms or any Services
or Products; (b) display, assign, sublicense, distribute, export, resell, or otherwise transfer any
interest in this Agreement or the Products to any third party; (c) remove any proprietary or
intellectual property rights notices or labels on the Digital Platforms; or (d) otherwise exercise
any other right to the Digital Platforms not expressly granted in this Agreement. We, or our
licensors, own all right, title and interest, including all intellectual property rights (including all
names, trade names, trademarks, service marks, slogans, logos or other indicia) in and to the
Digital Platforms, Services, and Products (including the products and services accessed
through the Mobile Services). No license or other right in or to the Digital Platforms, Services,
or Products is granted to you except for the rights specifically set forth in this Agreement.

Installation, Training and Maintenance

Except as otherwise expressly set forth in this Agreement, you will be solely responsible for
the installation, training and maintenance of the Digital Platforms, Services, and Products. It is
your (and expressly not our) responsibility to establish reasonable backups, accuracy checks
and security precautions to guard against possible malfunctions, loss of data and
unauthorized access.

Patent Infringement

In the event the Products become, or in our opinion are reasonably likely to become, the
subject of a claim of infringement, you will allow us, at our option and expense, to replace the
Products with a non-infringing alternative, modify the Products so that they become non-
infringing or terminate the license.

Suggestions
Upon submission, any suggestion, idea, proposal or other material you provide to us
becomes our property without limitation or further consideration.

21. Confidentiality

You acknowledge that the Digital Platforms, Services, and Products constitute trade secrets
and represent significant economic and commercial value to us and/or our licensors and
must be maintained as secret, confidential and proprietary. You agree that copyright legends
borne by the Digital Platforms, Services, and Products in no way reduce the trade secret,
proprietary and/or confidential nature thereof. You will take all reasonable steps to safeguard
the Digital Platforms, Services, and Products to ensure that no unauthorized disclosure or use
is made, in whole or in part, and will use at least the same degree of care to prevent the
unauthorized use, disclosure or availability of the Digital Platforms, Services, and Products as
you ordinarily use in protecting your own most valuable confidential and proprietary
information. You will not remove or alter any copyright or other proprietary legends
contained on the Digital Platforms, Services, and Products. This Section 21 shall survive
termination of this Agreement.

22. Links

Our websites may contain third party content and links to other third party apps or web sites
(collectively, “Linked Sites”). We are not responsible for, nor do we control, the content,
products, or services provided by Linked Sites. We do not endorse or guarantee the products,
information or recommendations provided by Linked Sites, and are not liable for any failure
of products or services advertised on those sites. In addition, each third party site may
provide less security than we do and have a privacy policy different than ours. Your access,
use and reliance upon such content, products or services is at your own risk.

23. Right to Audit

We may periodically audit and verify your compliance with this Agreement. You agree to
cooperate and provide information or documents, at your expense, as may be reasonably
requested by us to aid in the clearing and collection process, to resolve claims by third parties
with respect to any Item, or for audit purposes.

24. Termination and Suspension; Assignment; Survival

We may terminate or suspend this Agreement or any Addendum, or terminate, suspend,

restrict, or limit your access privileges to the Digital Platforms or any Service (including use of
clearXchange.com), in whole or part, at any time for any reason or no reason without prior
notice, including your failure to access the Digital Platforms or Services for a period of three
(3) months or greater, for reasons involving your use of the Digital Platforms or Services
which we may deem to be illegal or potentially brand damaging, or when you no longer have
an eligible account. We may determine other eligibility criteria and decline or prevent any or
all transactions through the Digital Platforms or the Services, each in our sole discretion. The
obligations and liabilities of the parties incurred prior to the termination date shall survive the
termination of this Agreement for all purposes. Upon termination, you shall immediately
discontinue use of the Digital Platforms and Services and delete any applicable copies. For
the avoidance of doubt, we may (a) assign our interest in this Agreement, in whole or in
part, to our successors or to any now-existing or future direct or indirect subsidiary of us or
our affiliates or (b) assign or delegate certain of our rights and responsibilities under this
Agreement to independent contractors or other third parties.

You may not assign this Agreement.

After this Agreement or any Addendum terminates, the terms of this Agreement and that
Addendum that expressly or by their nature contemplate performance after such termination
will survive and continue in full force and effect. For avoidance of doubt, the provisions
protecting our confidential information, requiring indemnification and setting forth
limitations of liability each, by their nature, contemplate performance or observance after this
Agreement or an Addendum terminates.

25. Notice of Claims

If you receive notice of any Claim regarding the Digital Platforms or any Service, you shall
promptly provide us with a written notice of it.

26. Waiver; Severability

We will not be deemed to have waived any of our rights or remedies under this Agreement
unless such waiver is in writing and signed by us. No delay or omission on our part in
exercising any rights or remedies shall operate as a waiver of such rights or remedies or any
other rights or remedies. A waiver on any one occasion shall not be construed as a bar or
waiver of any rights or remedies on future occasions.

If any provision of this Agreement conflicts with the law under which this Agreement is to be
construed or if any provision of this Agreement is held invalid or unenforceable by a court of
competent jurisdiction, that provision will be deemed to be restated to reflect as nearly as
possible the original intentions of the parties in accordance with applicable law. The
remaining provisions of this Agreement and the application of the challenged provision to
persons or circumstances other than those as to which it is invalid or unenforceable will not
be affected thereby, and each of those provisions will be valid and enforceable to the full
extent permitted by law.

This Section 26 shall survive termination of this Agreement.

27. Entire Agreement

This Agreement, including the Other Documents, constitutes the entire agreement between
you and us and supersedes all prior agreements and understandings as to the subject matter
hereof, notwithstanding any oral representations or statements to the contrary.

28. Governing Law

Disputes related to the Digital Platforms or Services covered by this Agreement shall be
governed by the substantive law of the State of New York, without regard to choice of law
principles.

Any disputes relating to your account(s) or Cards accessed through the Digital Platforms or
Services shall be governed by the laws set forth in the underlying applicable account or
cardmember agreement.

This Section 28 shall survive termination of this Agreement.

GLOSSARY

Refers to an electronic deposit to, or withdrawal from, your

“ACH” or “Automated
account that we receive or send through the “automated clearing
Clearing House”
house” network.
Refers to each addendum to this Agreement, including any
“Addendum”
addendum that we may add in the future.
Refers to this Digital Services Agreement, together with the
“Agreement”
Addenda, as amended or modified from time to time.
Refers to a service which provides customers text message
“Alerts” communications, email communications and push notifications
regarding their accounts from JPMC.
Refers to a one-time payment or repeating payments made from
an eligible account to companies, merchants, individuals or Chase
“Bill Payment(s)”
Loans or Credit Accounts. This can include JPMC for payments to
Chase Loan or Credit Accounts.
Refers to any deposit account, such as a checking or savings
“Business Account” account, you have with us that is used for business (non-personal)
banking purposes.
Refers to Monday through Friday, excluding federal holidays. For
“Business Day” purposes of Transfers to or from Investment Accounts via Internal
Transfers, the term. “Business Day” also excludes Good Friday.
Refers to when a payment or Transfer, including any ACH
“Cancelled” Collection or ACH Payment, will neither be processed nor sent for
any reason.
“Card” Refers to any credit and/or debit card issued by us.
Refers to the online, client-facing platform,
www.chase.com/business, on which JPMC customers who hold a
“Chase Business Online”
Business Account may conduct online banking and access the
Online Services.
Refers to one of our loan or credit accounts (including a
“Chase Loan or Credit
mortgage, auto or student loan or credit card) held in your name
Account”
that has been added as a Payee.
Refers to the mobile platform on which JPMC customers may
“Chase Mobile”
conduct mobile banking and investing and access the Mobile
 Services.
Refers to the online, client-facing platform, www.chase.com, on
“Chase Online” which JPMC customers may conduct online banking and investing
and access the Online Services.
Refers to any dispute, claim or controversy arising now or in the
“Claim” future under or relating in any way to this Agreement, including
the Digital Platforms Account or Services.
“Communication Refers to an entity offering the transmission, routing, or providing
Service Provider” of connections for communications or access via the telephone.
Refers to any deposit account, such as a checking or savings
“Consumer Account” account, you have with us that is established primarily for
personal, family or household banking purposes.
Refers to a payment, including a Bill Payment, ACH Collection, or
Transfer, from an account held by us that is scheduled with a
“Current Day”
present day Send On Date; or the next Business Day if scheduled
after the Cutoff Time.
Refers to the time by which we must receive Instructions to have
“Cutoff Time” them considered entered on that particular Business Day. See
each Addendum for additional details.
Refers to the date you would like your payment (including Bill
Payment or ACH Payment) or Transfer delivered to your intended
“Deliver By Date”
recipient (i.e., your Payee or your To Account); this may or may
not be the date your payment will be posted by your Payee.
Refers to the way your payment is transmitted (i.e., either
“Delivery Method”
electronically or via check).
“ET” Refers to Eastern Standard Time.
Refers to an end user license agreement or software license
“EULA” agreement whereby a licensor and purchaser establish the
purchaser’s right to use the software.
Refers to checking and savings accounts held by institutions other
than us and registered for External Transfers. The account holder
of the External Account must be the same individual or business
“External Account”
entity as the account holder of the deposit or prepaid account, or
line of credit, mortgage, installment loan or auto account who is
authorized to access the Services.
Refers to the portion of the Transfers Service that allows you to
issue Instructions to us for payments or Transfers, as applicable,
“External Transfers” to or from accounts not held by us. External Transfers can be
used to Transfer funds between an eligible account held by us
and an External Account.
Refers to an eligible account from which a payment, including a
Bill Payment or ACH Payment, Transfer, or other transaction using
“From Account”
the Services is being requested by you, from which such
transactions will be made or transferred.
“Funded” Refers to when a payment amount has been withdrawn from the
 available balance or available credit of your From Account or
when an amount to be Transferred has been withdrawn from (or
in the case of a line of credit, charged against) the available
balance of your From Account.
Refers to when a payment (including an ACH Payment or Bill
Payment) or Transfer will not be delivered after multiple
unsuccessful attempts have been made to withdraw funds from
“Funding Failed” the appropriate From Account on consecutive Business Days or
when the financial institution holding your External Account
notifies us that your attempted Transfer from your External
Account could not be completed.
Refers to when an Instruction is not processed because the
respective From Account had insufficient funds or available credit
“Funds Needed”
to complete the transaction after the first and/or second attempt
to withdraw the funds.
Refers to Instructions that are not scheduled to begin processing
on the current Business Day; only Business Days may be selected
for Future Dated payments and Transfers. Future Dated
“Future Dated”
Collections include any Instruction entered after the Cutoff Time
on any Business Day or any Instruction entered on a non-
Business Day.
Refers to information providers for securities prices and
quotations available on the Services. These will include such
“Information Providers” securities markets as the New York Stock Exchange, Inc.; the
American Stock Exchange; NASDAQ Stock Market, Inc.; and other
exchanges, their affiliates, agents and other parties.
Refers to the information provided by you or the sender to us for
(i) a payment, including a Bill Payment, ACH Payment, or Transfer
to be delivered to the Payee, Chase Loan or Credit Account or To
“Instructions” Account, (ii) an ACH Collection to be collected from the Payor, or
(iii) the funds to be delivered to the Payee or To Account
(including Payee or To Account name, account number, and
Deliver By Date).
Refers to the portion of the Transfers Service that allows you to
“Internal Transfers” issue Instructions to us for transfers between two eligible
accounts held by us.
Refers to an entity offering the transmission, routing, or providing
“Internet Service
of connections for digital communications or access via the
Provider”
Internet.
Refers to certain non-FDIC insured investment products and
services offered by J.P. Morgan Chase and its affiliates, which may
“Investment Account(s)” include bank-managed accounts and custody, as part of its trust
and fiduciary services, as well as brokerage and advisory accounts
offered through J.P. Morgan Securities LLC.
Refers to a paper check or other paper source document only
“Item”
payable in U.S. Dollars.
 Refers to JPMorgan Chase Bank, National Association, any parent
“JPMC”, “J.P. Morgan
company, subsidiary, affiliate, licensee, predecessor, or
Chase”, “J.P. Morgan
successors of such entity that holds your accounts or provides
Chase Bank, N.A.”,
you services and any agent, independent contractor, designee, or
“”JPMorgan Chase Bank,
assignee that we may, at our sole discretion, involve in the
N.A.”, “Chase”
provision of the applicable Service.
“J.P. Morgan” and “JP
Refers to J.P. Morgan Securities LLC.
Morgan”
Refers to the mobile, client-facing platform on which certain JPMC
customers, including clients of our Private Bank manage their
“J.P. Morgan Mobile”
assets and access their investment, banking and credit account
information.
Refers to the online, client-facing platform,
www.jpmorganonline.com, on which certain JPMC customers,
“J.P. Morgan Online”
including clients of our Private Bank manage their assets and
access their investment, banking and credit account information.
Refers to any mobile products, services, functionality and
associated documentation or software available on Chase Mobile
“Mobile Services”
or J.P. Morgan Mobile through the use of a mobile device or tablet
device.
“NACHA” Refers to the National Automated Clearing House Association.
Refers to the Operating Rules of NACHA, as amended from time
“NACHA Rules”
to time.
Refers to any online products, services, functionality and
associated documentation or software available on Chase Online
“Online Services”
or J.P. Morgan Online through the use of a desktop computer or
laptop.
Refers to a password used to access your profile on the Digital
“Password”
Platforms or any Service (as applicable).
Refers to the service whereby customers can elect to receive
certain communications from us in an electronic format. These
communications include any customer agreements or
“Paperless Statements amendments thereto, monthly billing or account statements, tax
Service” statements, disclosures, prospectuses, trade confirmations,
notices, responses to claims, transaction history, privacy policies
and other information that we are required by law to provide to
you in writing.
Refers to the merchant or other person or entity to whom you
“Payee”
designate a payment or Transfer to be directed.
Refers to any Instruction that you have ordered or requested to
be made which has not been Cancelled by you before the Cutoff
“Pending” Time on the Send On Date. All Future Dated ACH Collections and
ACH Payments are “Pending” starting from the time you enter
Instructions until they are released by us or “Funded”.
“Person” Refers to a natural person or a business, government, or
 nonprofit entity.
Refers to third party software, such as Quicken®, QuickBooks®,
or TurboTax®. Quicken, QuickBooks and TurboTax are
“PFM Software”
trademarks or registered trademarks of Intuit Inc., in the United
States and other countries.
Refers to the checking or prepaid account, if eligible, you
“Primary Account”
designate for paying any potential monthly service fees.
“RDFI” Refers to the receiving depository financial institution.
Refers to a Person that receives a payment through the Real-Time
“Receiver”
Payments Service.
Refers to addressing information of the Receiver, which may
“Receiver Addressing
include the Receiver’s account number, routing number, phone
Information”
number, and/or email address, as applicable.
“Regional ACH” Refers to the applicable automated clearing house.
Refers to automatic recurring Bill Payments or Transfers to the
“Repeating Bill same Payee or To Account, respectively, for the same amount (or
Payments” varying amount, in the case of variable automatic bill payments)
which you can authorize for transmission.
“Rules” Refers to the rules of NACHA and any Regional ACH.
Unless otherwise defined in this Agreement, refers to the date we
will begin the delivery process or the date we will send a request
“Send On Date” to withdraw funds from your External Account, and begin the
delivery process. The Send On Date may or may not be the date
funds are withdrawn from your From Account.
Refers to a Person that sends a payment through the Real-Time
“Sender”
Payments Service.
Refers to us, when you are the Sender, and means the financial
“Sending Financial
institution that holds the Sender’s account, when you are the
Institution”
Receiver.
Refers to all software, hardware or other equipment necessary
“Systems”
for you to access and use the Digital Platforms and Services.
Refers to mobile text messaging related services initiated by you
“Text Banking” for the purpose of accessing certain account related information
and/or conducting certain money movement activities.
Refers to the account to which funds will be transferred as
“To Account”
requested by you via any of the Services.
Refers to the date we will begin the delivery process for Transfers
made via the Internal Transfer Service, or the External Transfer
“Transfer Date”
Service. For clarity, this is the date the Transfer request will be
sent.
Refers to a transfer of funds pursuant to an Instruction to move
“Transfers”
funds electronically from one account to another.
Refers to JPMorgan Chase Bank, National Association and J.P.
“We”, “our”, “us”
Morgan Securities LLC (as applicable).
 Refers to (i) an individual or entity that is the owner of an account
or a party-in-interest to an account (such as a grantor, beneficiary
“You”, “your”, “them”, or co- trustee of a trust account), (ii) an individual authorized by
“user” an account owner or a party-in-interest to view account
information and/or effect transactions in an account, or (iii) an
individual with secure sign-on credentials to the Digital Platforms.

Addendum:
Access and Security Manager Online Service
(For Business Customers Only)

Last updated: 10/04/2021

This Addendum governs your use of the Access and Security Manager Online Service (for
purposes of this Addendum, the “Service”) and contains terms applicable to both Business
Accounts and Consumer Accounts. Sections 1 and 2 apply equally to both Business Accounts
and Consumer Accounts, Sections 3-5 apply only to Business Accounts and Section 6 applies
only to Consumer Accounts.

The Service is a feature that allows customers to delegate certain functions of the Online
Services to one or more sub-users. In Sections 1-5 below, the term “you” and “your” means
the business entity applying for or using the Online Services. If you are the Account
Administrator (as defined below), the terms “you” or “your” also mean, as applicable, (a) in
Sections 1-5 below, you in your capacity as an authorized representative of a business entity
in whose behalf you utilize the Service and (b) in Sections 1-2 (as applicable) and Section 6
below, you in your individual and personal capacity with respect to your Consumer Accounts,
including Consumer Accounts you link to a Business Account for access to the Online Services
(and not in your capacity as representative of the business for which you are the Account
Administrator).

Except as otherwise set forth in this Addendum (including the definitions section located at
the end of this Addendum), all capitalized terms used but not defined herein shall have the
meaning set forth in the General Terms and Conditions.

TERMS AND CONDITIONS APPLICABLE TO BOTH BUSINESS

ACCOUNTS AND CONSUMER ACCOUNTS
1. Changes to Existing Account Documentation

You agree not to request that a Business Account be linked to a Consumer Account (or vice
versa) if the Business Account allows multiple signers to transact on the account. You agree
not to change Business Account documentation to change signers, to change names, or to
allow additional signers on any account linked for the Online Services until you have first
notified us by calling 877-CHASEPC (877-242-7372) or writing to us at Chase Online Customer
Service, P.O. Box 2558, Houston, TX 77252-9968, to terminate access to such accounts. No
such change will be effective until we receive such notice at the phone number or address set
forth above and have a commercially reasonable opportunity to act upon it.

2. Indemnity

In addition to the indemnities set forth in the General Terms and Conditions, you shall
indemnify, defend and hold the J.P. Morgan Chase Indemnified Parties harmless from and
against any and all Losses in connection with any third party claim resulting or arising from:
(a) failure by you or your Account Administrator to abide by or perform any obligation
imposed upon you or your Account Administrator under the Agreement; (b) the actions,
omissions or commissions of you and your agents, including your Account Administrator and
any Authorized User relating to the Services; (c) any delay in the execution of any of your
instructions to add, delete or modify the access rights of any Account Administrator or any
Authorized Users until we have a commercially reasonable opportunity to act upon any notice
given in accordance with the terms of this Agreement.

ADDITIONAL TERMS APPLICABLE TO BUSINESS ACCOUNTS

ONLY (See Section 6 below for Additional Terms and
Conditions Applicable to Consumer Accounts Only)
3. Authority of Account Administrator

You authorize the Account Administrator to appoint any number of Authorized Users to
access, view and/or transact on your accounts via the Online Services, to communicate with
and receive communications from us via the Online Services, and you hereby ratify and
confirm any and all such activities of the Account Administrator, whether currently existing or
in the future, and whether or not such activities are within the scope of authority you granted
to the Account Administrator. You further authorize any Authorized User designated by the
Account Administrator to access, view and/or transact on your accounts via the Online
Services and to communicate with us via the Online Services, and you hereby ratify and
confirm any and all activities of such Authorized Users, whether currently existing or in the
future, and whether or not such activities are within the scope of authority you granted to the
Account Administrator. You hereby delegate to any Authorized User, any right you have to
receive communications from us relative to issues communicated to us by such Authorized
User via the Online Services or otherwise. You are responsible for maintaining the security of
any user IDs and Passwords issued to any Authorized User or Account Administrator and for
any financial transactions performed or information received using such user IDs and
Passwords to the fullest extent allowed by law. You are also responsible for the
administration, monitoring and control of any Authorized Users in connection with their use
of the Online Services.

4. Issuance of User IDs and Passwords to Account Administrator

You understand and agree that each Account Administrator is authorized to: (a) request us to
issue user IDs, Passwords or any other security code or device to be used in connection with
the Online Services; (b) receive, act upon, use and disseminate for use by others on your
behalf all such user IDs, Passwords, codes or devices and all documents and correspondence
assigning, confirming or otherwise containing same; and (c) receive and act upon all other
notices, documents and correspondence from us respecting the Online Services including any
changes or supplements to this Agreement.

5. Changes to Account Administrator

You understand and agree to advise us immediately of any changes in the identity of the
Account Administrator. Access to the Online Services by the Account Administrator as
provided herein shall continue until such time as you have given us written notice of any
changes to the Account Administrator and until we have had a commercially reasonable time
to act upon such notice. You further understand and agree that changes to the Account
Administrator will not automatically affect the access or entitlements of the Authorized Users
to your accounts via the Online Services. It is your responsibility to maintain the entitlements
of the Authorized Users at all times; provided, however, that we may at our option and
without liability to you, suspend access to the Online Services to any user at any time, without
prior notice, if we deem it to be reasonably necessary under the circumstances to do so.

ADDITIONAL TERMS AND CONDITIONS APPLICABLE TO

CONSUMER ACCOUNTS
6. Links to Consumer Accounts

You understand that by providing access by an Authorized User to your Consumer Accounts
that you are authorizing such Authorized User to: (a) view and access such accounts; (b)
perform any and all transactions available on the Online Services relative to such accounts; (c)
communicate with us about such accounts; and (d) receive communications from us about
such accounts. You hereby ratify and confirm any and all of the foregoing activities of any
Authorized User on your Consumer Account, whether currently existing or in the future, and
whether or not such activities are within the scope of authority you intended to grant such
Authorized User. You are responsible for maintaining the security of any user IDs and
Passwords issued to any Authorized User in conjunction with access to your Consumer
Accounts, and for any financial transactions performed or information received using such
user IDs and Passwords to the fullest extent allowed by law. We shall have no liability to you,
your representatives, heirs and assigns for allowing Authorized Users such access to your
Consumer Accounts that you, as Account Administrator, have linked for the Online Services.
You represent that if the Consumer Account is a joint account with another individual that
you have obtained the permission of such individual to allow access by the Authorized User
prior to adding such Authorized User and you are responsible for any and all claims arising
from your failure to do so. You understand and agree to advise us immediately of any
changes in the authority of the Authorized Users to access your Consumer Accounts. Access
to your Consumer Accounts via the Online Services by any Authorized Users you have
designated shall continue until such time as you have changed the profile of such Authorized
Users to prevent such access. It is your responsibility to remove access to your Consumer
Accounts by any Authorized Users within the Online Services prior to withdrawing or
terminating your position as Account Administrator and you are responsible for any and all
claims arising from your failure to do so. You further understand and agree that any
subsequent Account Administrator on a Business Account will have access to your Consumer
Accounts that you may have linked for the Online Services (including any and all online
history with respect to such Consumer Accounts) until you have requested us to remove such
accounts and we have a commercially reasonable time to act upon such request.

DEFINITIONS
• “Account Administrator” means any signer on your Business Account or Consumer
Accounts or any other person authorized by you to perform the Account Administrator
activities designated herein. For Commercial Term Lending loans, Account Administrator
also means (if applicable and at our sole discretion) a borrower, guarantor or key
principal.
• “Authorized User” means any person or persons designated by the Account
Administrator through the Online Services as authorized to perform certain activities
within the Online Services, including the ability to access, view and/or transact on all
your accounts linked for the Online Services and to communicate with us and receive
communications from us, regarding your accounts.
• “IP Security” means an administrative procedure which we recommend that you
activate and use with respect to each Authorized User that involves the Account
Administrator registering and maintaining a current registration of all Internet Protocol
(IP) addresses used by Authorized Users. This registration will be used for the purpose
of assisting us in blocking access to the Service from unregistered IP addresses.
Adoption of IP Security will only allow access to the Service via a mobile device if it is
connecting via a registered IP address; connections via a cellular network (e.g., 4G
network) will be blocked.

Addendum:
Account Aggregation Service
Last updated: 10/04/2021

This Addendum, in addition to the terms and conditions in your existing J.P. Morgan Chase
account agreements, governs your use of the Data Aggregation Service, the Instant Account
Verification Service, and the Aggregation Enabled Services (collectively for purposes of this
Addendum, the “Service”).

In connection with your establishment of one or more bank, brokerage, and/or other
accounts held at J.P. Morgan Chase, J.P. Morgan Securities LLC and/or certain other affiliated
and unaffiliated custodians (each, an “Eligible Custodian”), we have offered to you, and you
seek to engage us to provide, an informational and complimentary service by which we
facilitate the provision of certain data for your accounts and assets held by Eligible
Custodians which includes account balances, transaction history and other transaction-level
data (“Customer Data” ) by a third party service provider engaged by us ( “Aggregation
Vendor”). We are willing to perform such services for you and to provide you with
information, reports, or analyses of the Customer Data and to use such data in connection
with products and services you engage us to provide, and you have agreed to provide such
information required to effectuate the transmission of Customer Data to us or our affiliates
and Aggregation Vendor through data feed arrangements.

We may also allow you to connect to accounts held by you at financial institutions other than
us or in Chase accounts you hold under another Chase profile or login (“External Accounts”)
for the purpose of making transactions to and/or from an External Account you designate or
for use of other online banking services offered by us. In order for you to connect those
External Accounts, we will first need you to verify your account ownership and authority to
access your External Accounts by confirming your ability to access those External Accounts.
We may allow you to use a service provided by us or through us to facilitate that External
Account verification by your providing certain information, including but not limited to
account number, user ID and password, or by your logging into your External Account
through the verification service (the “Instant Account Verification Service”). Your use of
the Instant Account Verification Service is subject to this Addendum and constitutes your
assent to and acceptance of its terms.

1. The Data Aggregation Service

You engage us to provide Customer Data in a normalized and reconciliation ready format for
purposes of reporting and analysis (“Aggregated Data”) to you for those accounts and
assets held by Eligible Custodians as designated by you from time to time (the “Data
Aggregation Service”). The Data Aggregation Service will provide instructions to you on how
to aggregate Customer Data and, except to the extent used solely to support a transfer of
assets to us, will make Aggregated Data available to you, including (if and when available) our
website or mobile application and Aggregation Vendor’s proprietary, web-based portal (the
“Portal”). The Data Aggregation Service may include other tools, services, features, and
functionality, as needed and as we communicate to you. We accept the foregoing
engagement and agree to provide the Data Aggregation Service in accordance with the terms
and conditions set forth in this Agreement. Your engagement of us and continued use of the
Data Aggregation Service will be deemed to constitute your acceptance of, and consent to, all
such terms and conditions.

2. Instant Account Verification Service

By using the Instant Account Verification Service, you authorize us and our subcontractors to
use such information, access third party sites and retrieve information, on your behalf, for
the purpose of verifying your authority and access to the External Accounts designated by
you. In addition to any other powers of attorney or permissions granted herein, and for all
purposes hereof, you hereby grant us and our subcontractors a limited power of attorney,
and you hereby appoint us and our subcontractors as your true and lawful attorney-in-fact
and agent, with full power of substitution and re-substitution, for you and in your name, place
and stead, in any and all capacities, to access third party internet sites, servers or documents,
retrieve information, and use your information, all as described above, with the full power
and authority to do and perform each and every act and thing requisite and necessary to be
done in connection with such activities, as fully to all intents and purposes as you might or
could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN WE OR OUR
SUBCONTRACTORS ACCESS AND RETRIEVE INFORMATION FROM THIRD PARTY SITES, WE AND
OUR SUBCONTRACTORS ARE ACTING AS YOUR AGENT, AND NOT THE AGENT OR ON BEHALF
OF THE THIRD PARTY. You agree that third party financial institutions shall be entitled to rely
on the foregoing authorization, agency and power of attorney granted by you. You
understand and agree that the Instant Account Verification Service is not endorsed or
sponsored by any third party financial institutions accessible through the Instant Account
Verification Service. You are licensing to us and our subcontractors any Customer Data,
information, passwords, materials or other data or content (collectively, “Content”) you
provide through or to the Instant Account Verification Service. We and our subcontractors
may use such Content to provide the Instant Account Verification Service to you, and by
submitting Content, you automatically agree, or promise that the owner of such Content has
expressly agreed that, without any particular time limit, and without the payment of any fees,
we and our subcontractors may use the Content for that purpose.

a. Scope of Use

You agree that the results of the Instant Account Verification Service are for use by you, us
and our subcontractors only in connection with the Instant Account Verification Service and
providing the Data Aggregation Service. You agree not to reverse engineer or reverse compile
any of the service technology, including any Java applets associated with the Instant Account
Verification Service.

3. Use and Ownership of Customer and Aggregated Data

Subject to applicable law, you hereby grant to us and Aggregation Vendor a worldwide, non-
exclusive license to Customer Data and Content for all purposes necessary and appropriate
to provide the Data Aggregation Service, to generate Aggregated Data, to produce and deliver
customized reports and analyses for you in connection with your banking, brokerage, or
investment advisory relationship with us (“Aggregation Reports”), to provide other products
and services you may engage us to provide from time to time (“Aggregation Enabled
Services”), and otherwise as may be required to perform under this Addendum. Consistent
with the foregoing, and subject to applicable law, you understand, acknowledge, and agree
that: (a) Aggregated Data is our absolute property and that ownership will not revert to you
following any termination of this Addendum; (b) we and Aggregation Vendor may use, modify,
display, distribute, and create new material using Aggregated Data in connection with the
provision of the Data Aggregation Service; (c) you may not copy, reproduce, distribute, or
create derivative works from Aggregation Reports or any other content you receive through
the Data Aggregation Service or Aggregation Enabled Services; (d) Aggregated Data can be
accessed and viewed by individuals who support your relationship with us and as otherwise
required to provide the Data Aggregation Service; (e) we and Aggregation Vendor may use
Aggregated Data to help optimize your personal use of the Data Aggregation Service, to
understand what other of our tools, features, or functionality may be beneficial to you, and to
develop and provide you with other of our products or services; and (f) we and Aggregation
Vendor may use Aggregated Data that does not identify you individually, whether by name or
by any other means of personal identification, for our and their, respectively, own business
purposes without notice to, or consent of, you, without any particular time limit and without
the payment of any fees.

4. Representations, Warranties, and Covenants

As a condition to our engagement to provide, and continued provision of, the Service to you,
you make the following representations, warranties, covenants, and agreements, as of the
date hereof, and during such time as this Addendum remains in effect.

a. Account Ownership and Authority

You represent and warrant that you: (i) have legal ownership of all accounts and assets at
Eligible Custodians, including External Accounts, that you designate for aggregation by the
Service, (ii) have full power, right, and authority to authorize and permit us and Aggregation
Vendor to receive the Customer Data and to grant the licenses to that data provided for
herein, or has obtained all such required authorizations and permissions, (iii) are not subject
to any legal or regulatory limitations in respect of Eligible Custodians that would limit or
restrict the Service’s ability to request and receive Customer Data, and (iv) have all such rights
in, and licenses to, the information contained in Customer Data and Content as may be
required in order to permit you to grant to us the licenses granted hereunder, or have
obtained such rights and licenses as are necessary for purposes of this Addendum.

b. Provision of Accurate Information

You agree to provide the Service with accurate, current, and complete information about your
identity and those accounts and assets held at Eligible Custodians that you designate for
aggregation by the Service, including External Accounts, to maintain and update that
information to keep it accurate, current, and complete, and to not misrepresent your identity
or account information.

c. Authorization

You agree, at the request of the Service, to execute, acknowledge, deliver, file, record, and
publish any necessary authorizations on your behalf with each Eligible Custodian directing
Customer Data to be transmitted to us and Aggregation Vendor and such other agreements,
instruments, and documents, and to perform any and all such other acts and things as may
be required to enable the transmission of Customer Data to us and Aggregation Vendor, or as
may otherwise be deemed necessary or desirable to carry out the intent and purposes of this
Addendum and to perfect more fully the rights and licenses granted to us and Aggregation
Vendor hereunder. For the avoidance of doubt, no such authorizations will give us or
Aggregation Vendor the ability to withdraw funds, make payments, or otherwise effect
transactions in Eligible Accounts on your behalf.
d. Customer Validation

You agree to independently validate Aggregated Data and to periodically confirm the
accuracy of that data through sources independent of the Service and/or us. If you determine
that data is inaccurate, incomplete, or otherwise contains misinformation, you agree to
promptly contact us and/or the relevant Eligible Custodian and resolve the issue.

e. Unlawful or Prohibited Use

You agree to only use the Service or Aggregation Reports for bona fide lawful purposes and
not for commercial purposes, in violation of any applicable law or regulation, or in any other
manner that, expressly or implicitly, violates the terms of this Addendum or any other
agreements to which you or Eligible Accounts are subject.

5. Limited Power of Attorney

In order to enable us to provide certain aspects of the Service, you authorize each of us and
Aggregation Vendor to (a) provide authorizations on your behalf with an Eligible Custodian to
the extent you do not do so directly, (b) request Customer Data pursuant to those
authorizations, and (c) utilize the transmitted Customer Data to create Aggregated Data as
may be required to provide the Service, Aggregation Reports, and Aggregation Enabled
Services. To give effect to the foregoing, you hereby grant each of us and Aggregation Vendor
a limited power of attorney and appoint each of us and Aggregation Vendor as your true and
lawful attorneys‐in‐fact and agents, each with authority to act independently or jointly, as
your true and lawful attorneys-in-fact and agents, with full power of substitution and re‐
substitution, for you and in your name, place, and stead, in any and all capacities, to enter
into agreements with Eligible Custodians, request Customer Data, and use Customer Data, all
as described in the preceding sentence and notwithstanding any privacy commitments
previously made to you, with the full power and authority to do and perform each and every
act and thing requisite and necessary to be done in connection with such activities, as fully to
all intents and purposes as you might or could do in person. YOU UNDERSTAND,
ACKNOWLEDGE, AND AGREE THAT WHEN WE OR AGGREGATION VENDOR IS PROVIDING
SUCH AUTHORIZATIONS, AND REQUESTING INFORMATION FROM, ELIGIBLE CUSTODIANS, WE
OR AGGREGATION VENDOR, AS APPLICABLE, IS ACTING AS YOUR AGENT AND NOT THE
AGENT OF OR ON BEHALF OF THE ELIGIBLE CUSTODIAN. You hereby agree that each Eligible
Custodian shall be entitled to rely on the foregoing authorizations, agency appointment, and
limited power-of-attorney granted by you to us and Aggregation Vendor for all purposes
hereunder. You understand that Eligible Custodians are not involved in providing the Data
Aggregation Service and do not endorse or sponsor the Data Aggregation Service, nor do we
endorse or recommend the services of any Eligible Custodian.

6. Fees

We will provide the Service as a convenience to you for no additional compensation to us

above and beyond that which you are obligated to pay under your account agreements and
in connection with Aggregation Enabled Services; provided, however, that we reserve the
right to change, or add to, the fees and expenses for the Service at any time upon notice to
you. Separately, you are solely responsible for any and all fees and expenses that an Eligible
Custodian charges in connection with the transmission of Customer Data to the Data
Aggregation Service.

7. Warranty Disclaimers; Limitation of Liability

a. Warranty Disclaimers

You expressly understand and acknowledge the following warranty disclaimers regarding the
Service: (i) the Service and all information, content, products, and services (including those of
Aggregation Vendor) provided in connection therewith is at your sole risk; (ii) Aggregated Data
will be effective as of the most recent Customer Data transmitted from the Eligible Custodian
and may not be accurate if that transmission was not successfully completed or the
information from the Eligible Custodian is otherwise not accurate or current; (iii) the Service is
provided “as is” and “as available” for informational purposes only as a convenience to you,
and is not intended for trading or transactional purposes or to replace official records and
statements regarding your assets and accounts; (iv) you are responsible for making all
financial decisions based on the information provided by the Service, which decisions will not
be initiated or intermediated by or through the Service; (v) we are not acting as your
administrative or investment fiduciary, or giving legal, tax, or financial advice, in providing the
Service; (vi) we will rely on the information you provide regarding Eligible Accounts, without
further verification or validation; (vii) we expressly disclaim all warranties of any kind as to the
Service and all information, products, services, and content (including those of Aggregation
Vendor) provided in connection with the Service, either express or implied, including the
implied warranties of merchantability, fitness for a particular purpose, functionality, title, and
non-infringement, and any warranties implied by any course of dealing, course of
performance, or usage of trade, and specifically disclaims any and all implied warranties; (viii)
we make no warranty that the Service will (A) meet your requirements, (B) be uninterrupted,
timely, secure, error- or defect-free, (C) operate in a combination with any hardware,
software, system, data, product, or service, (D) collect Customer Data and generate
Aggregation Reports that are accurate, complete, or reliable, (E) provide information or
content that meets your needs or expectations, (F) be able to request and aggregate your
accounts and assets held at all of your custodians, and (G) provide content that is free of
viruses, malware, errors, or other harmful components; (ix) we assume no responsibility for
the timeliness, deletion, mis‐delivery, delivery failure, or failure to store any Customer Data or
communications with you pursuant to this Addendum, nor does it assume responsibility for
any information communicated by you to us; (x) we may not correct any errors in the Service
or Aggregation Reports; (xi) no advice or information, whether oral or written, obtained by
you from us or related to the Service will create any warranty not expressly stated in this
Agreement; (xii) we make no warranty as to the reliability, timeliness, quality, suitability,
availability, accuracy, comprehensiveness, completeness, correctness, copyright clearance,
legality, or decency of any Service content; and (xiii) any information or content provided to
you in connection with the Service is provided at your own discretion and risk. In addition, no
information, whether oral or written, obtained by you from the Service will create any
warranty not expressly stated in this Addendum. The foregoing warranty disclaimers will
apply to you notwithstanding anything to the contrary in this Addendum but subject to
applicable law that does not allow the exclusion of certain warranties.

b. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AGREE THAT NEITHER WE NOR ANY OF
OUR RESPECTIVE THIRD-PARTY SERVICE PROVIDERS (INCLUDING AGGREGATION VENDOR),
DIRECTORS, OFFICERS, EMPLOYEES, REPRESENTATIVES, AGENTS, THIRD PARTY FINANCIAL
INSTITUTIONS AND SUBCONTRACTORS OR ANY OF THEIR RESPECTIVE AFFILIATES
(COLLECTIVELY, “SERVICE PARTIES”) WILL BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY
DAMAGES, CLAIMS, OR LOSSES (INCLUDING DIRECT, INDIRECT, INCIDENTAL, SPECIAL,
COMPENSATORY, CONSEQUENTIAL, OR EXEMPLARY DAMAGES), INCLUDING DAMAGES FOR
LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, HOWSOEVER
CAUSED AND WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), PRODUCT
LIABILITY, OR OTHERWISE, AND EVEN IF WE OR OUR SUBCONTRACTORS HAVE BEEN ADVISED
OF THE POSSIBILITY OF SUCH DAMAGES, CLAIMS, OR LOSSES AND/OR A REMEDY SET FORTH
HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE, WHICH ARE INCURRED AS A
RESULT OF: (A) THE USE OR INABILITY TO USE THE SERVICE, CONTENT OR ANY OTHER
MATTER RELATING TO THE SERVICE; (B) ANY PRODUCTS, DATA, INFORMATION OR SERVICES
PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO,
THROUGH OR FROM THE SERVICE; (C) THE USE, INABILITY TO USE, UNAUTHORIZED USE,
PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD PARTY FINANCIAL INSTITUTION
WEBSITE; (D) THE COST OF PROCURING SUBSTITUTE GOODS AND SERVICES, INCLUDING
THOSE RESULTING FROM ANY PRODUCTS, INFORMATION, CONTENT, OR SERVICES
PURCHASED OR OBTAINED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM THE
SERVICE; (E) UNAUTHORIZED ACCESS TO OR ALTERATION OF CUSTOMER DATA OR CONTENT
TRANSMITTED THROUGH THE SERVICE; (F) ANY INACCURACY, INCOMPLETENESS, OR
MISINFORMATION CONTAINED IN THE INFORMATION PROVIDED BY YOU TO THE SERVICE; (G)
STATEMENTS OR CONDUCT OF ANYONE CONCERNING THE SERVICE; (H) THE SERVICE’S
RECEIPT OR INABILITY TO RECEIVE CUSTOMER DATA FROM ANY ELIGIBLE CUSTODIAN OR
EXTERNAL ACCOUNT; (I) ANY ACT, OMISSION, PERFORMANCE, OR NON-PERFORMANCE OF
US, AGGREGATION PROVIDER, OR ANY ELIGIBLE CUSTODIAN; (J) ANY MODIFICATION,
INTERRUPTION, OR DISCONTINUATION OF THE DATA AGGREGATION SERVICE; (K) ERRORS,
INACCURACIES, OR DELAYS IN CUSTOMER DATA OR AGGREGATED DATA, OR ANY ACTIONS
TAKEN BY YOU IN RELIANCE THEREON;(L) DELAY, INTERRUPTION, OR FAILURE TO PERFORM
ANY OBLIGATIONS HEREUNDER DUE TO CIRCUMSTANCES BEYOND THAT PERSON’S
REASONABLE CONTROL (INCLUDING ACTS OF GOD, STRIKES, RIOTS, ACTS OF WAR, POWER
OUTAGES, COMPUTER VIRUSES, MAINTENANCE ACTIVITIES, SYSTEM OR
TELECOMMUNICATION FAILURES, FIRES, FLOODS, EARTHQUAKES, EXTREME WEATHER, OR
CHANGES IN GOVERNMENTAL REGULATIONS); (M) THEFT, MISUSE, CORRUPTION,
CONTAMINATION, LOSS, OR UNAUTHORIZED RELEASE OR RECEIPT OF CUSTOMER DATA OR
AGGREGATED DATA; (N) ANY CHARGES IMPOSED BY ELIGIBLE CUSTODIANS; (O) DELIVERY
FAILURES FOR NOTICES TO YOU; (P) ANY TRADING LOSSES, LOSS OF PROFITS, GOODWILL,
USE, DATA, BUSINESS INTERRUPTION, LOSS OF PRIVACY, OR OTHER LOSSES OR DAMAGES OF
ANY KIND ARISING FROM OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE SERVICE;
OR (Q) ANY OTHER MATTER ARISING FROM OR RELATED TO THE SERVICE OR YOUR USE OF
AGGREGATION REPORTS. THE FOREGOING EXCULPATION PROVISIONS ARE FUNDAMENTAL
ELEMENTS OF THE BASIS OF THE AGREEMENT BETWEEN US AND YOU AND WE COULD NOT
PROVIDE THE SERVICE WITHOUT THESE PROVISIONS. HOWEVER, IN NO EVENT WILL WE BE
LIABLE TO YOU FOR DIRECT DAMAGES CAUSED BY US IN EXCESS OF $1.00; THIS LIMITED
REMEDY IS AGREED TO BY YOU AND SURVIVES A FAILURE OF ITS ESSENTIAL PURPOSE.

8. Aggregation Vendor

Aggregation Vendor is a third-party service provider engaged by us to provide certain aspects

of the Data Aggregation Service, acting pursuant to an agreement with us. You understand
and acknowledge that (a) in order to provide the Data Aggregation Service, we and Eligible
Custodians need to share Customer Data with Aggregation Vendor and you may need to
access the Portal and/or other websites or content provided by Aggregation Vendor and (b)
you have no direct contractual relationship with Aggregation Vendor under this Addendum
and may not enforce contractual remedies against Aggregation Vendor to the extent it has
failed to perform as required. Notwithstanding anything to the contrary contained herein,
you agree that we may remove or replace Aggregation Vendor, including by directly assuming
Aggregation Vendor’s responsibilities hereunder, at any time, and without prior notice to you.
Upon request by us, you agree to execute amendments to outstanding Letters of
Authorization and to take those other actions as may be necessary to give effect to any
removal or replacement of Aggregation Vendor.

9. Eligible Custodians

We may add or remove Eligible Custodians at any time for any reason and have no obligation
to provide notice to you of any such change. You agree, upon request by us or Aggregation
Vendor, to take those actions necessary to terminate outstanding authorizations, enter into
new authorization, or otherwise give effect to the addition or removal of Eligible Custodians.
You understand and acknowledge that the financial institutions that have custody of your
accounts and assets may not be Eligible Custodians and therefore may be incompatible with
the Data Aggregation Service.

10. Portal Access

The Data Aggregation Service may provide you with access to Aggregated Data, Aggregation
Reports, and/or Aggregation Enabled Services through Aggregation Vendor’s Portal. You
agree to abide by the terms of use applicable to the Portal as a condition of your use and
access of the Portal and the Data Aggregation Service. Those terms of use, when provided to
you, will be deemed to be incorporated into this Addendum and if you violate them, we
expressly reserve the right to terminate your Portal access and/or this Addendum in
accordance with its terms. References to the Data Aggregation Service in this Addendum will
be understood to include your Portal access, as applicable.

11. Termination

You may terminate this Addendum on reasonable notice to us by calling 877-CHASEPC (877-
242-7372) or online. Your failure to terminate this Addendum after an amendment by us will
be deemed to constitute your acceptance of, and agreement to be bound by, this Addendum,
as amended. Notwithstanding anything to the contrary herein, this Addendum will terminate
automatically (a) if your account agreements terminate for any reason, or (b) if you otherwise
cease to be a J.P. Morgan Chase customer. Termination of this Addendum will not (i) result in
the termination of your account agreements and (ii) terminate your obligations or our rights
arising under this Addendum prior to termination. Following the termination of this
Addendum, your access to the Service will cease and you may be required to take action to
terminate any authorization remaining in effect.

12. General Provisions

a. Dispute Resolution; Governing Law

The parties agree that any dispute concerning this Addendum or the Data Aggregation
Service will be resolved in accordance with the procedures contained in your account
agreements and that the governing law provisions of your account agreements will apply with
equal force to this Addendum.

b. Third-Party Beneficiaries.

No party intends for this Addendum to benefit any third party not expressly identified or
described herein, but the parties acknowledge that this Addendum is intended to benefit
those third parties who are so identified or described as fully as if those third parties were
parties to this Addendum. Without limiting the generality of the foregoing, Aggregation
Vendor may rely upon your grant of a license under Section 3 and the authorization and grant
of a limited power of attorney under Section 5, and Service Parties may rely upon the
disclaimer of warranties and limitation of liability under Section 7, and those persons are, for
the purposes of those Sections, third-party beneficiaries to this Addendum, entitled to the
benefits of and to enforce the rights and protections provided by those Sections as fully as if
those persons were parties to this Addendum.

c. Survival

If this Addendum terminates for any reason, the provisions of Sections 3, 4(e), 7, 11, as well as
the provisions of this Section 12 will survive.

Addendum:
ACH Collections Service
(For Business Customers Only)

Last updated: 10/04/2021

This Addendum governs your use of the ACH Collections Service. Except as otherwise set
forth in this Addendum (including Section 13 below), all capitalized terms used but not
defined herein shall have the meaning set forth in the General Terms and Conditions.

1. ACH Collections Service

Description of Services: To use the ACH Collections Service you must maintain a checking
account with us and designate one of your eligible checking accounts with us as your Primary
Account for the Collection of recurring monthly service fees. You may designate any of your
eligible checking accounts with us as your Deposit To accounts for any of your ACH
Collections. You agree to use the ACH Collections Service only for collections from Payors
located within the United States, subject to our approval, and you agree to use the ACH
Collections Service only to issue Instructions for lawful purposes. To use the ACH Collections
Service you must provide sufficient information online to us to properly identify your Payor(s)
(including whether a Payor is an individual or a business), direct your collection and permit
the Payor to identify you as the originator of the Debit Entry to the Payor’s account. You must
complete all required fields with accurate information, as directed by the ACH Collections
Service screen messages. By providing us with the names and account information of those
Payors to whom you wish us to collect funds, you authorize us to follow the Instructions that
we receive through the ACH Collections Service. You further authorize us to update or change
any of your Payor information as requested or provided by your Payor. When we receive a
collection Instruction in your name (either Current Day or Future Dated), we will originate a
Debit Entry to the Payor’s account on your behalf. All ACH Collections (other than Repeating
ACH Collections) that are initiated on any non-Business Day or after the Cutoff Time on any
Business Day, will reflect a Send On Date of the next Business Day.

Canceling Collections: You may cancel any Pending Collection via the ACH Collections Service
if you do so no later than the Cutoff Time, on the Send On Date. You may not stop or cancel a
Collection after the Cutoff Time has passed. You may not amend or modify Instructions or
Pending Collections once they have been scheduled.

You may utilize the ACH Collections Service to make requests for the collection of your
Current Day and Future Dated ACH Collections, and Repeating ACH Collections from your
Payor. We may, from time to time, establish minimum and maximum transactional and daily
dollar limits on ACH Collections that may be initiated via the Services which we may impose in
our discretion and at our option. The Bill Payment Service and Transfers Service Addenda
shall apply equally to ACH Collections issued hereunder, as if those terms were restated
herein, unless the context clearly indicates otherwise.

You further agree to take all appropriate measures to ensure the accuracy of the Instructions
you submit. If you schedule Repeating ACH Collections and the Send On Date falls on a non-
Business Day, the Send On Date (i.e., the day the ACH Collection will begin processing) will be
moved to the immediately preceding Business Day but the ACH Deliver By Date of the ACH
Collection will remain unchanged. If the ACH Deliver By Date of a Repeating ACH Collection
falls on a non-Business Day, both the Send On Date and the ACH Deliver By Date will be
moved to the immediately preceding Business Day.

2. Fees
For information about what fees may apply to the ACH Collections Service for your J.P.
Morgan Private Bank account, you should refer to the applicable fee schedule as in effect
from time to time for such account. For all other accounts, the following fees will be charged
for the ACH Collections Service, beginning in the month in which the Service is established. A
recurring monthly service fee of $25.00 will be charged for the ACH Collections Service. This
$25.00 fee will cover twenty-five (25) ACH Collections per month; a fee of $0.25 will be
charged for each ACH Collection in excess of twenty-five (25) in any given month. The
recurring monthly service fee will be assessed to the account designated by you as the
“Primary Account” for the ACH Collections Service. Upon each occurrence of a collection
reversal request, an additional fee of $2.50 will be charged. Additionally, a fee of $2.50 will be
charged for each time an item is returned for any reason by the Payor’s bank (unless the
account is a Chase Analysis Business Checking account or Chase Analysis Business Checking
with Interest account, at which time a fee of $3.00 will be charged). The foregoing charges will
be assessed to the account designated by you as the “Primary Account” for the ACH
Collections Service. J.P. Morgan Chase reserves the right, from time to time upon notice to
you to add, delete or modify charges.

3. Cutoff Times; ACH Deliver By Date

All transmissions to J.P. Morgan Chase must be completed by J.P. Morgan Chase’s established
Cutoff Times in order for processing to commence on the same Business Day. Any
transmission completed and received by J.P. Morgan Chase after such Cutoff Times will be
processed by J.P. Morgan Chase on the following Business Day. The current Cutoff Time for
making an ACH Collection is 7:00 p.m. ET. Funds due from Current Day Collections made
before the Cutoff Time will be added to the balance in your Deposit To account on the ACH
Deliver By Date (i.e., at least one (1) Business Day after the Send On Date) subject to the
return or reversal of the Debit Entries by the Payor’s bank. Those funds will become available
three (3) Business Days after the ACH Deliver By Date, subject to the return or reversal of the
Debit Entries by the Payor’s bank. Repeating ACH Collections will be credited to your Deposit
To account on the ACH Deliver By Date for the particular Repeating ACH Collection (i.e., at
least one (1) Business Day after the Send On Date for that Repeating Collection). Those funds
will become available three (3) Business Days after the ACH Deliver By Date, subject to the
return or reversal of the Debit Entries by the Payor’s bank. The Send On Date will be adjusted
to the immediately preceding Business Day for any Repeating ACH Collection which is
scheduled for Collection on a non-Business Day. Any ACH Collection that is returned or
reversed by the Payor’s bank will be charged to the Deposit To account as provided in Section
9 of this Addendum.

J.P. Morgan Chase reserves the right at any time to delay the availability of funds transferred
into the Deposit To account by Debit Entry until such time as such Debit(s) cannot be
reversed in accordance with the Rules.

4. Duplicate Entries

Duplicate ACH Collections entered for the same amount, Payor name and ACH Deliver By
Date will be processed and released for Collection.
5. Exposure Limits

J.P. Morgan Chase may from time to time establish or revise maximum dollar limits for the
aggregate value of all outstanding Debit Entries that J.P. Morgan Chase will release on your
behalf. Such limits will be subject to revision or cancellation by J.P. Morgan Chase at any time
without prior notice.

6. Collections via ACH

ACH Collections are transmitted via the ACH network. ACH Collections are allowed only to
Payors with accounts at ACH member banks. You will be notified via email to your Secure
Message Center inbox only if there is a problem or an error with the information you
originally transmitted.

7. ACH Rules

Your issuance of Instructions and our processing and release of such Instructions to the ACH
system shall be pursuant to the terms of this Agreement and the Rules. Undefined capitalized
terms used in this Section 7 and in Sections 9-12 of this Addendum which are defined in the
Rules shall have the meanings ascribed to those terms in the Rules.

The relationship between us and you with respect to ACH Entries we originate in your name
based on your Instructions, shall be governed by the terms of the applicable Rules, except as
otherwise provided in this Agreement or other agreements you have with us. We and you
shall be bound by the Rules as in effect from time to time.

8. Processing; Transmittal

In processing and transmitting Debit Entries to accounts of Receivers at JPMC (“On-Us

Entries”), JPMC shall debit the accounts of Receivers on its books. In processing and
transmitting Entries intended for the accounts of Receivers at RDFIs, JPMC shall process and
transmit such Entries to the applicable Regional ACH for processing and ultimate transmittal
to RDFIs.

9. Rejections; Returns

We shall notify you of any Instructions which we reject or of any Debit Entries which are
rejected or returned by the RDFI. You shall be responsible for any correction and re-
submission to us of appropriate Instructions. If a Debit Entry is returned or reversed for any
reason after we have credited the Deposit To account therefore or if final settlement for a
Debit Entry is not received by us for any reason, we will charge back the amount of such Debit
Entry to the Deposit To account or claim a refund from you.

10. Reversals

Reversal requests can be initiated only by calling us at 877-CHASEPC (877-242-7372) within

five (5) Business Days of the transaction settlement date. The transaction settlement date is
generally the same day as the ACH Deliver By Date. Reversal requests received after the
expiration of such period will not be honored. Reversal requests are accepted under the
express understanding that J.P. Morgan Chase does not guarantee that the request will be
honored by the RDFI. Reversal requests, reversals that have been processed and other
reversal activity will not be reflected on your Services status report.

11. Name/Identifying Number Inconsistencies

In processing and transmitting Instructions and Entries issued in your name, J.P. Morgan
Chase may rely upon the identifying number (e.g., bank routing number or Payor account
number) of any bank or Payor identified in the Instructions. The RDFI may debit the account
of the Payor on the basis of an account number, even if it identifies a person different from
the Payor. You assume full responsibility for any inconsistency between name and identifying
number of any bank or Payor in Instructions issued in your name and in any Entries
processed and transmitted by J.P. Morgan Chase therefrom.

12. Warranties; Indemnity

You shall obtain all authorizations necessary to enable J.P. Morgan Chase to perform the ACH
Collections Service by Debit Entries and shall furnish J.P. Morgan Chase with copies of such
authorizations if requested. Except as specified below, you shall be deemed to make the
same warranties to J.P. Morgan Chase as J.P. Morgan Chase is deemed to make under the
Rules, and J.P. Morgan Chase shall have no responsibility with respect to matters so
warranted by you. In the case of On-Us Entries, such warranties shall be deemed to apply as
of the time J.P. Morgan Chase first processes such On-Us Entries. You shall not be deemed to
warrant, however: (a) the power of J.P. Morgan Chase under applicable law to comply with the
requirements of the Rules; or (b) the conformity of Debit Entries transmitted by J.P. Morgan
Chase to the file specifications contained in the Rules. You further represent, warrant and
acknowledge that each Debit Entry you originate shall comply with all applicable U.S. laws and
regulations.

In addition to the indemnities set forth in the General Terms and Conditions, you also agree
to indemnify, defend, and hold the J.P. Morgan Chase Indemnified Parties and the RDFI, as
applicable, harmless from and against any and all Losses in connection with any third party
claim resulting or arising from: (a) compliance by us and the RDFI with reversing requests or
reversing Entries; or (b) the transmittal by J.P. Morgan Chase of Debit Entries in accordance
with Instructions issued in your name.

13. Cancellation of the ACH Collections Service

You can cancel the ACH Collections Service by calling 877-CHASEPC (877-242-7372), option 3.
When you call us, we may also require you to put your request in writing. When you cancel
the ACH Collections Service, you will no longer be able to access any of your ACH Collections
Service features. Fees applicable to the ACH Collections Service will continue to apply for up
to two months after you cancel the ACH Collections Service. You will not receive a refund of
any fees if your ACH Collections Service is cancelled. When you cancel the ACH Collections
Service, such cancellation will have no impact on the other Services or account relationships,
if any, with us.

14. Definitions

• “ACH” refers to the Automated Clearing House network, which is used for business
customers enrolled in the ACH Collections Service, to route ACH Collections to Payor
accounts.
• “ACH Collection” refers to a debit entry sent via the ACH or internally (if the Payor’s
account is maintained at J.P. Morgan Chase) for the transfer of money from the Payor’s
account to a Deposit To account, available only to business customers enrolled in the
ACH Collections Service.
• “ACH Deliver By Date” refers to the date by which funds collected through an ACH
Collection will be credited to the Deposit To account; funds will be made available three
(3) Business Days after the Deliver By Date. An ACH Deliver By Date is always at least
one (1) Business Day after the Send On Date. See Paragraph entitled “Cutoff Times;
Deliver By Date” for additional details.
• “Cutoff Time” refers to 7:00 p.m. ET on any Business Day and is the time by which we
must receive Instructions to have them considered entered on that particular Business
Day. See the paragraph entitled “Cutoff Times; ACH Deliver By Date” for additional
details.
• “Debit Entry” refers to an electronic debit to a Payor’s account affected through the
ACH Collections Service.
• “Deposit To account” refers to the deposit account you maintain with us to which
funds received from ACH Collections will be credited.
• “In Process” refers to that an ACH Collection is no longer “Pending” and it cannot be
changed or Cancelled.
• “Payor” refers to a person or entity that has authorized you to initiate a Debit Entry to
such person’s or entity’s bank account.
• “Repeating ACH Collection” refers to automatic recurring ACH Collections from the
same Payor for the same Collection amount, which you can establish up to 365 days in
advance.
• “Send On Date” refers to the Business Day of your choice upon which your ACH
Collection will begin processing.
• “Transaction Number” refers to the number that we send in response to your
Instructions to confirm that your Instructions have been received by us.

Addendum:
ACH Payment Service
(For Business Customers Only)

Last updated:10/04/2021
This Addendum governs your use of the service for you to use to make an ACH Payment (the
“ACH Payment Service” or for purposes of this Addendum, the “Service”). Except as
otherwise set forth in this Addendum (including Section 13 below), all capitalized terms used
but not defined herein shall have the meaning set forth in the General Terms and Conditions.

You must supervise persons you have authorized to use the ACH Payment Service on your
behalf. You are responsible for your authorized users’ use of the ACH Payment Service.

You can use the ACH Payment Service to send an ACH Payment from your eligible checking
account to a Payee’s account. Only business banking and private banking business customers
who enter into an applicable deposit account agreement with us may use the ACH Payment
Service. Business customers may have fewer protections than consumer customers. Certain
accounts may not be eligible to fund through ACH Payment Service on chase.com. Same-Day
ACH Payments are subject to the terms and pricing applicable to ACH Payments, but
additional terms and fees may also apply as set forth herein. All payments made through the
ACH Payment Service are subject to review for fraud, regulatory or compliance purposes, and
such review may result in a transaction being delayed or rejected. You will be notified when a
transaction cannot be processed on the original Send On Date.

1. ACH Payment Service

You must give us all the information we need to complete your ACH Payment. You must tell
us if the Payee is a vendor or Employee. The information must be correct. When you send us
Instructions, you authorize us to complete your Instructions. You authorize us to
electronically debit the From Account listed in your Instructions. You may only send ACH
Payments to Payees in the United States with accounts at ACH member banks. You authorize
us to update your Payee’s information if your Payee asks us to.

You must only make Employee payments to Employees with Employee payment
entitlements. You must give us an Employee’s voided check or deposit slip for the Employee’s
checking account if we ask for it. The Services should not be your permanent record for
accounting, tax or any other purpose.

You must only make vendor payments to Payees with vendor payment entitlements. We may
limit the amount of money you can send in one (1) ACH Payment or in one (1) day. You may
not send more than $100,000.00 per Same-Day ACH transaction. We may establish lower
transaction limits for you and may block any attempted Same-Day ACH transaction that
exceed(s) the limit(s). We may adjust the limits at any time in our sole discretion with notice to
you.

We must receive your Instructions before the Cutoff Time to send it on the same Business
Day. The Cutoff Time for making a Standard ACH Payment is 8:00 p.m. ET. Same-Day ACH
Payments must be authorized before the stated Cut Off Time. Payments not authorized by
the stated Cut Off Time for the day will be scheduled for the next available Same-Day ACH
Payment delivery, which may be the next business day, unless cancelled by the user. This may
result in the transaction settling the next day and these transactions may be charged a Same-
Day delivery fee. Same-Day ACH Payments not authorized before the stated Cut Off Time will
expire after 48 hours.

If we receive your Instructions after the Cutoff Time, we may still debit your account that day.
We will debit your From Account based on the ACH Deliver By Date you choose.

Type of ACH Payment From Account When We Debit your Pay

Approved Instructions received by us Calendar day you send your Instruction

before the Cutoff Time

Approved Instructions (other than Next Business Day

Repeating ACH Payments or Employee
payments) received by us after the
Cutoff Time

Approved Instructions (other than Next Business Day

Repeating ACH Payments or Employee
payments) received by us on non-
Business Day

Repeating ACH Payments 1 Business Day before the ACH Deliver

By Date

Repeating ACH Payment with ACH 2 Business Days before date (when ACH
Deliver By Date on the scheduled ACH Deliver By Date is a non-Business Day)
Deliver By Date non-Business Day (date
is a non-Business Day)

Employee payments 1 or 2 Business Days before the ACH

Deliver By Date

Repeating Employee payments 1 or 2 Business Days before the ACH

Deliver By Date

Repeating Employee payments with 3 Business Days before date (when ACH
ACH Deliver By Date on the scheduled Deliver By Date is a non-Business Day)
ACH Deliver By Date non-Business Day

You must have enough funds available in your From Account on the Send On Date to
complete your ACH Payment. If you do not have enough funds available, we are not required
to follow your Instructions. We count funds in your overdraft account as available funds. If
there are insufficient available funds in the From Account to cover an ACH Payment and you
have overdraft protection, the funds in your linked protecting account are eligible and will be
transferred to protect ACH Payments initiated via the ACH Payment Service. You authorize us
to debit your From Account even if it will overdraw your account(s) or increase an overdraft.
You authorize us to debit your account(s) enrolled in overdraft protection if you do not have
enough funds available in your From Account. We are not liable for failure to pay any ACH
Payment if you do not have enough funds available in your From Account.

If you do not have enough funds for a Current Day ACH Payment, we will reject your Current
Day ACH Payment Instructions. We will not retry the Current Day ACH Payment.

If you do not have enough funds on the morning of the Send On Date for a Future Dated ACH
Payment, then we may:

• reject your Instructions;

• overdraw your account(s) and complete the ACH Payment; or
• try to debit your account up to two (2) more times on the next two (2) Business Days. A
status of “Funds Needed” will appear on the Payment Activity page on the Online
Services. If the ACH Payment fails three (3) times, your ACH Payment will be Cancelled. A
status of “Funding Failed” will appear on the Payment Activity page on the Online
Services. We will notify you via Secure Message Center or email each time the ACH
Payment fails. If there is a problem with your From Account, we may not complete the
ACH Payment.

You may cancel any Pending ACH Payment by the Cutoff Time on the Send On Date. If we
already debited your From Account, we will refund the funds for the Cancelled ACH Payment
by the following Business Day. You may not change Instructions or Pending payments after
you schedule them.

You may also cancel a Funded Employee payment if you contact us by the Cutoff Time on the
Send On Date.

2. Fees

You must choose a Primary Account when you enroll for the ACH Payment Service. You
authorize us to withdraw ACH Payment and Same-Day ACH fees from your Primary
Account. Additional fees may apply for Same-Day ACH Payments. We may add, delete, or
change fees with notice to you.

Fee Type Fee Amount

Monthly ACH Payment $25 (includes 25 free ACH Payments per

month) Service Fee

ACH Payment $0.15 per transaction (after your first 25

free ACH Payments)

Payment Reversal Request $2.50 per request

Failed ACH Payment Fee $2.50 per return (Chase Analysis Business
Checking accounts and Chase Analysis
Business Checking with Internet accounts
are $3 per Failed ACH Payment)
1% of transaction amount up to $25.00
Same-Day ACH Payment
per transaction

We will start charging you the monthly ACH Payment Service fee the month you enroll in the
ACH Payment Service. Fees generally appear one month in arrears on your statements. Your
fees may be different if you use your J.P. Morgan Private Bank account to make ACH
Payments.

3. ACH Deliver By Date

We cannot guarantee your ACH Payment will be delivered on the ACH Deliver By Date you
choose. Usually the ACH Deliver By Date will be the Business Day after the Send On Date, but
it may take longer. The Send On and Deliver By Dates for Same-Day ACH payments prior to
the Cut off time will be the same. After the Cut off time, the Deliver By Date will change to the
next Business Day. It may take longer for the Payee’s bank to post the ACH Payment.

4. Duplicate Entries

We will make duplicate ACH Payments entered for the same amount, Payee and ACH Deliver
By Date if you have enough funds available on the Send On Date.

5. Notifications

We will notify you if there is a problem with your Instructions with a message through the
Secure Message Center or your primary email address on file.

6. ACH Rules

When we use capitalized terms in this Addendum not defined in this Addendum or in the
General Terms and Conditions, the definition in the ACH Rules applies. The ACH Rules govern
the Entries we send on your behalf unless you and we agree otherwise. You and we are
bound by the ACH Rules. We may audit your compliance with the ACH Rules. A Credit Entry by
a RDFI to the Receiver is provisional until the RDFI receives final settlement. If the RDFI does
not receive settlement, the RDFI may refund the amount credited. You are not deemed to
have paid the Receiver the amount of such Credit Entry.

7. Processing; Transmittal

In processing and transmitting Entries to accounts of Receivers held by us (“On-Us Entries”),

we debit or credit the accounts of Receivers on our books. In processing and transmitting
Entries intended for the accounts of Receivers at other RDFIs, we will process and transmit
such Entries to the Regional ACH network for processing and transmitting to RDFIs.

8. Rejections; Returns

We may reject your Instructions for any reason. We will notify you when we or the RDFI reject
or return your Instructions with a message through the Secure Message Center or your
primary email address on file. You must correct and re-send any rejected Instructions you still
want to send. We will credit your account for any returned Credit Entry when we receive
settlement for such Entry for ACH Payments other than Employee payments.
If we do not receive final settlement for an Employee payment for any reason, we will charge
back the amount of such Employee payment to the From Account or claim a refund from you.

9. Reversals

You can request a reversal by calling us at 877-CHASEPC (877-242-7372) within five (5)
Business Days of the ACH Deliver By Date. We do not accept late reversal requests. We do not
promise the RDFI will honor your request. When you start a reversal request, we credit your
From Account for the reversal and place a hold on the funds for seven (7) Business Days.

If the RDFI does not accept the reversal request, we will debit the amount of the reversal
request from your From Account. We will also debit the From Account for the reversal if we
do not receive final settlement. You will not see your reversal request on your Services status
report.

10. Name/Identifying Number Inconsistencies

We may rely on the identifying number of any bank or Payee in your Instructions. The RDFI
may credit or debit the Payee’s account based on an account number, even if the account
number identifies a person different from the Receiver. You are responsible for any
differences between the name and identifying number of any bank or Receiver in your
Instructions.

11. Warranties; Indemnity

Except as specified below, you make the same warranties to us as we make under the ACH
Rules. We do not have responsibility for such warranted matters. In the case of On-Us Entries,
your warranties apply at the time we first process an On-Us Entry. You do not warrant: (a) our
power under applicable law to comply with the ACH Rules; or (b) the conformity of Entries
transmitted by us to the file specifications contained in the Rules. You represent, warrant and
acknowledge that each Entry you originate will comply with all applicable U.S. laws and
regulations.

In addition to your indemnification obligations set forth elsewhere in this Agreement, you will
indemnify, defend, and hold the J.P. Morgan Chase Indemnified Parties and the RDFI, as
applicable, harmless from and against any and all Losses in connection with any third party
claim resulting or arising from: (a) our transmittal of Entries following your Instructions; and
(b) our or the RDFI’s compliance with your request.

12. Cancellation of the ACH Payment Service

You can cancel the ACH Payment Service by calling 877-CHASEPC (877-242-7372), option 3.
When you call us, we may also require you to put your request in writing. When you cancel
the ACH Payment Service, you will no longer be able to access any of your ACH Payment
Service features. Fees applicable to the ACH Payment Service will continue to apply for up to
two months after you cancel the ACH Payment Service. You will not receive a refund of any
fees if your ACH Payment Service is cancelled. When you cancel the ACH Payment Service,
such cancellation will have no impact on the other Services or account relationships, if any,
with us.

13. Definitions

• “ACH Deliver By Date” refers to the date by which an ACH Payment will be delivered to
the Payee's account.
• “ACH Payment” refers to a type of electronic fund transfer sent through the ACH
network to transfer money to a Payee’s account, which includes both Standard ACH
Payments and Same-Day ACH Payments.
• “ACH Rules” refers to the NACHA Rules and the rules of any regional ACH network.
• “Employee” refers to a type of Payee to whom you designate an Employee payment to
be directed.
• “Employee payment” refers to a type of ACH Payment sent via the ACH network for
direct deposit of an Employee’s wages or other compensation.
• “In Process” refers to that an ACH Payment is no longer “Pending” or “Funded” and it
cannot be changed or Cancelled.
• “Repeating ACH Payment” refers to automatic recurring ACH Payments to the same
Payee for the same payment amount. You can authorize Repeating ACH Payments up to
365 days in advance.
• “Same-Day ACH Payment” refers to an ACH Payment with expected settlement by end-
of-day on the day the transaction is sent.
• “Send On Date” refers to the Business Day you choose for your ACH Payment to start
processing.
• “Standard ACH Payment” refers to an ACH Payment with expected settlement within
1-2 Business Days from the day the transaction is sent.

Addendum:
Bill Payment Service
Last updated: 12/16/2021

This Addendum governs your use of the service to make Bill Payments (the “Bill Payment
Service” or for purposes of this Addendum, the “Service”). Except as otherwise set forth in
this Addendum (including Section 11 below), all capitalized terms used but not defined herein
shall have the meaning set forth in the preamble on page one of the Agreement or otherwise
in General Terms and Conditions (e.g. in the Glossary). If you use the PFM Software, the
capitalized terms used in this Addendum or on our website may not correspond to the terms
used by your PFM Software.

If you are a J.P. Morgan Chase prepaid account holder, some products and services may not
be available to you via the Services. Not all accounts are eligible for the Bill Payment Service.
We reserve the right to limit eligibility to certain types of accounts and to change such
eligibility from time to time. We also reserve the right to restrict categories or number of
recipients or Payees to whom Bill Payments may be made in our sole discretion. Eligible
accounts are described below in this Addendum.

1. General Terms Applicable to Bill Payments

When you use, or allow another to use, the Bill Payment Service to send Instructions to us to
make Bill Payments (see Glossary for definition) through the Bill Payment Service you agree
to the terms and conditions set forth in this Addendum. You agree that you will not use this
Bill Payment Service for international ACH transactions, which are prohibited under this
Addendum. You also agree that once a Bill Payment has been designated with a status of
“Sent” or “Completed”, you cannot cancel that Bill Payment.

All of your Bill Payments made through the Bill Payment Service will appear on the
statements for your respective accounts. Certain payments available through the Services (as
defined on page one of the Agreement) may also be subject to terms and conditions or
payment authorizations separate from this Addendum that apply to such other services
including the online wire transfer service, payroll and tax payment services and the Zelle®
Service. Please refer to the agreements and documentation that you receive for those
services for that information.

You agree to be bound by and comply with such other written requirements as we may
furnish to you in connection with your deposit accounts, prepaid accounts, credit card
accounts, and other products that may be accessed via the Bill Payment Service, including
your deposit account agreement or other terms and conditions governing your account,
credit card, mortgage, auto, installment loan, or line of credit agreements.

2. Cutoff Times

a. Cutoff Times to schedule Bill Payments are as follows in ET:

Bill Payments to J.P. Morgan Chase mortgage loans:

• 7:30 p.m. ET on any Business Day for payments from a J.P. Morgan Chase checking
or prepaid account
• 8:00 p.m. ET on any Business Day for payments from a non-J.P. Morgan Chase
checking account

Bill Payments to J.P. Morgan Chase commercial term lending mortgage loans:

• 8:00 p.m. ET on any Business Day for payments from a J.P. Morgan Chase checking
or prepaid account
• 8:00 p.m. ET on any Business Day for payments from a non-J.P. Morgan Chase
checking account

Bill Payments to J.P. Morgan Chase home equity or personal loan or line of credit
accounts:

• 11:59 p.m. ET on any day for payments from a J.P. Morgan Chase checking or
prepaid account, with the exception of Future Dated payments, which can be
 made by 11:59 p.m. ET on any Business Day
• 8:00 p.m. ET on any Business Day for payments from a non-J.P. Morgan Chase
checking account

Bill Payments to J.P. Morgan Chase Loan or Credit Accounts:

• 11:00 p.m. ET on any Business Day for payments from a J.P. Morgan Chase
checking or prepaid account
• 8:00 p.m. ET on any Business Day for payments from a non-J.P. Morgan Chase
checking account

Bill Payments to non-J.P. Morgan Chase accounts (excluding payments made using a J.P.
Morgan Chase credit card):

• For Bill Payments with a Send On Date falling on a Business Day, 8:00 PM on that
Send On Date
b. Cutoff Times to Cancel Bill Payments are as follows in ET:

Bill Payments to a J.P. Morgan Chase home equity or personal loan or line of credit
account:

• 8:00 p.m. ET for same-day payments from a J.P. Morgan Chase deposit or prepaid
account, if the payment was scheduled prior to 8:00 p.m. ET
• 11:00 p.m. ET for same-day payments from a J.P. Morgan Chase deposit or prepaid
account, if the payment was scheduled after 8:00 p.m. ET
• 8:00 p.m. ET on the Payment date for Future Dated payments from a J.P. Morgan
Chase deposit or prepaid account or a non-J.P. Morgan Chase checking account

Bill Payments to J.P. Morgan Chase mortgage loans:

• 7:30 p.m. ET on any Business Day for payments from a J.P. Morgan Chase checking
or prepaid account
• 8:00 p.m. ET on any Business Day for payments from a non-J.P. Morgan Chase
checking account

Bill Payments to J.P. Morgan Chase commercial term lending mortgage loans:

• 8:00 p.m. ET on any Business Day for payments from a J.P. Morgan Chase checking
or prepaid account
• 8:00 p.m. ET on any Business Day for payments from a non-J.P. Morgan Chase
checking account

Bill Payments to J.P. Morgan Chase Loan or Credit Accounts:

• 11:00 p.m. ET on any Business Day for payments from a J.P. Morgan Chase
checking or prepaid account
• 8:00 p.m. ET on any Business Day for payments from a non-J.P. Morgan Chase
checking account
 If you wish to Cancel a Bill Payment, you should cancel your Bill Payment online.

Bill Payments to non-J.P. Morgan Chase accounts (excluding payments made using a J.P.
Morgan Chase credit card):

• Automatic and future-dated Bill Payments must be canceled before 10:00 a.m. ET
on the day that Bill Payment is to be processed
• For all other Bill Payments with a Send On Date falling on a Business Day, 8:00 p.m.
ET on that Send On Date

3. Service Fees

Unless otherwise noted in your deposit account agreement or other applicable account
agreement, we do not charge a monthly service fee for the Bill Payment Service. If we process
a Bill Payment in accordance with your Instructions that overdraws your From Account or
exceeds your J.P. Morgan Chase credit card limit, we may assess a fee or charge interest in
accordance with the terms of your deposit account agreement or other applicable
agreement. We are not responsible for any Bill Payment request if there is not enough money
in the designated From Account or if the payment request exceeds your credit card limit.

4. Repeating Payments

Repeating Bill Payments that are for the same fixed amount each month will be sent on the
same calendar day of each month, or on the prior Business Day if the regular Send On Date
falls on a non-Business Day. Repeating Bill Payments will be deducted from your From
Account, or charged to your J.P. Morgan Chase credit card, on the Send On Date. In order to
authorize a Repeating Bill Payment, you agree to have means to print a copy of your
authorization for your records. If you do not have a printer, you agree to continue to
authorize a Repeating Bill Payment on a transaction-by-transaction basis until you have
means of printing a copy of your authorization for your records.

If you order us to stop a Repeating Bill Payment three (3) Business Days or more before the
Send On Date, and we do not do so, we will be liable to you for those losses or damages as
provided by law. If for any reason you cannot access the Online Services, you may also call
our customer service at 877-CHASEPC (877-242-7372) or write to online customer service at
Online Customer Service, P. O. Box 2558, Houston, TX 77252-9968. If you call, we may also
require you to present your request in writing within fourteen (14) days after you call.

Some Chase Loan and Credit Accounts will allow you to set up automatic payments.
Automatic payments differ from Repeating Bill Payments in that automatic payments are
triggered based on the associated billing date and the payment amount may vary each
month. Terms and conditions for automatic payments to Chase Loan and Credit Accounts will
be presented to you at the time you set up the automatic payments.

5. Bill Payment Service

a. General Terms Applicable to Bill Payments

You authorize us to remove funds from your designated From Account for all Bill Payments
that you initiate and you agree to have sufficient available funds on the Send On Date or
Payment date for each such Bill Payment you schedule. Please note that if you have overdraft
protection for your From Account, available funds in the account that you use for overdraft
protection are included in the determination of available funds for the Bill Payment Service. If
sufficient funds are not in your From Account to cover a Current Day Bill Payment, we will not
retry the payment and it will be immediately rejected. In the case of Future Dated Bill
Payments, if sufficient funds are not in your From Account on the Send On Date or Payment
date we may reject the request, or accept the request and process the payment for delivery
(even if such payment processing causes you to exceed your credit limit or overdraw your
account). In the alternative, if sufficient available credit or funds are not in your From Account
on the Send On Date or Payment date, we will automatically try to debit your account up to
two (2) more times on each of the three (3) succeeding Business Days. For these attempts, a
status of “Funds Needed” will appear online. After the final attempt, the payment request will
be Cancelled. A status of “Funding Failed” will appear. We will send you a message advising
you of each failed attempt to debit your From Account. You agree that we may, at our option,
follow your Instructions to make Bill Payments to a Payee, even though a charge to or a debit
from your From Account may cause you to exceed your credit limit, or bring about or
increase an overdraft. In the event of an overdraft to your From Account, we may charge any
other of your accounts for the amount of the overdraft.

Further, for Bill Payments to certain eligible healthcare providers only, you authorize us to
charge your J.P. Morgan Chase credit card for any eligible Bill Payments to certain healthcare
providers that you initiate using your J.P. Morgan Chase credit card and you agree to have
sufficient available credit balance on the Send On Date or Bill Payment date for each such Bill
Payment you schedule. If your J.P. Morgan Chase credit card payment is rejected for any
reason, we will not retry the Bill Payment and you will be notified of the failed attempt to
charge your J.P. Morgan Chase credit card. You agree that we may, at our option, follow your
Instructions to make Bill Payments to a named Payee, even though a charge to your J.P.
Morgan Chase credit card may cause you to exceed your credit limit.

WE ARE NOT RESPONSIBLE FOR ANY OVER-THE-CREDIT-LIMIT FEE, OR CHARGES IMPOSED OR

ANY OTHER ACTION BY A PAYEE RESULTING FROM A LATE BILL PAYMENT, INCLUDING ANY
APPLICABLE FINANCE CHARGES AND/OR LATE FEES; PROVIDED, HOWEVER, THAT IF WE
CAUSE PROCESSING DELAYS THAT CAUSE YOUR BILL PAYMENT TO BE LATE, WE WILL BE
RESPONSIBLE FOR ANY LATE FEES ONLY, IN ACCORDANCE WITH OUR BILL PAY GUARANTEE.

b. Bill Payments.

Bill Payments can be used to make one-time or Repeating Bill Payments to companies,
merchants or individuals you have designated as a Payee to pay bills such as rent, utilities, or
car payments (sometimes referred to as the “Bill Payment” or other trade name or trademark
as determined by us from time to time). This can include us for payments to Chase Loan or
Credit Accounts (if set up as a Payee through the Bill Payment service prior to December 2,
2012). You must have an eligible checking account, asset management account, or
Investment Account with us in order to make Bill Payments. The eligible accounts from which
a Bill Payment can be made do not include a J.P. Morgan Chase home equity line of credit or
other line of credit account, except for J.P. Morgan Chase credit cards. We reserve the right to
determine eligibility and to restrict categories of recipients to whom Bill Payments may be
made in our sole discretion.

i. Description of the Bill Payment Service: To make Bill Payments, you must maintain an
eligible checking account, asset management account, or Investment Account with us
and designate one of your eligible accounts with us as your From Account. You may
select Payees located within the United States to pay using Bill Payment, subject to our
and the Payee’s approval with the following exceptions: you agree not to use the Bill
Payment Service to pay Payees to whom you are obligated for tax payments,
payments made pursuant to court orders including court-ordered amounts for
alimony or child support, fines, payments to loan sharks, gambling debts or
payments otherwise prohibited by law. The minimum Bill Payment allowed is
normally $0.01. The maximum total dollar amount of all Bill Payments is $100,000.00 in
the aggregate attributable to any Business Day. Your PFM Software may set different
limits but we will not be responsible for Instructions that are rejected because they do
not meet the limits described in the preceding sentence. To use the Bill Payment Service
you must provide sufficient information online to us to properly identify your Payees,
direct your payment and permit the Payee to identify you as the payment source upon
receipt of a payment. You must complete all required fields with accurate information,
as directed by screen messages. By providing us with the names and account
information of those Payees to whom you wish us to direct payment, you authorize us
to follow the Instructions that we receive through the Bill Payment Service. You further
authorize us to update or change any of your Payee information (including changes to
account information, Payee name and mailing address) as requested or provided by
your Payee, the U.S. Post Office or pursuant to any updates or changes through other
tools and resources we may use from time to time to effectuate the Bill Payment. When
we receive an Instruction (for a Current Day or Future Dated Bill Payment), we will send
funds to the Payee on your behalf, from the funds in your From Account or charged to
your J.P. Morgan Chase credit card. You authorize us to charge your designated From
Account or J.P. Morgan Chase credit card, for all Bill Payments that you authorize
through the Bill Payment Service. We and any agent used by us in connection with the
Bill Payment Service is authorized to prepare Drafts drawn on your From Account,
charge your J.P. Morgan Chase credit card, and/or electronically debit your From
Account for the purpose of making payments. We are authorized to accept any Draft
drawn on the From Account on presentment and charge the From Account even though
it does not bear your signature where such Draft has been issued as part of the Bill
Payment Service. Such Drafts may originate from us or any financial institution in the
United States used by us or any of our agents.
ii. Because your Instructions are transmitted to us on your computer or mobile device, the
Bill Payment will not be sent to your Payee with the Payee’s payment stub. Payments
received without the payment stub are sometimes processed at a different location.
Some Payees may take longer to post the payment to your account if the payment stub
is not included with the payment, although federal regulations may limit certain
creditors (such as credit card issuers) to a period of up to five (5) days. For this reason,
 we recommend that you contact your Payees to ensure that you have the right address
and that you schedule payments in sufficient time to allow for your payment to be sent
to your Payee and the payment to be posted.
iii. Scheduling Bill Payments Through Your PFM Software: When scheduling a Bill Payment
via your PFM Software, you will enter the Deliver By Date. You should enter Instructions
for electronic payments at least three (3) Business Days before their desired Deliver By
Date and Instructions for paper payments or Instructions for newly added Payees at
least six (6) Business Days before their desired Deliver By Date.
iv. Delivery Method (excluding J.P. Morgan Chase credit card Bill Payments): We remit two
types of Bill Payments on your behalf to your Payees – electronic and paper check,
depending on your Payee’s determined method of receiving payments. The Delivery
Method and lead time expected for each type of payment your Payee will ordinarily
receive will be indicated on screen when your payment is scheduled.

The Delivery Method for a Payee is subject to change. If a Payee no longer accepts
electronic payments, or the payment encounters delivery errors, payments to that
Payee will be delivered by paper check and the Send On Date will be changed to five (5)
Business Days before the Deliver By Date for all subsequent payments and for the most
current if the Payee provides us with sufficient notice. If a Payee begins accepting
electronic payments, payments to that Payee will be processed electronically and the
Send On Date will be changed accordingly for all subsequent payments. In addition, if an
electronic payment is undeliverable the payment may be resubmitted by check. We will
notify you via email of a change to a Delivery Method for Pending payments you have
scheduled if that change results in a Delivery Method that increases the delivery time of
your payment, otherwise you will not be notified of Delivery Method changes. Please
note that, in some situations, if a payment is scheduled to be sent electronically to a
Payee who can no longer process payments using the Delivery Method in which it was
sent, then that payment may be late and we will not be responsible for any associated
late charges that might be incurred as a result. Late payments arising from changes in
your Payee’s Delivery Method are explicitly excluded from coverage of our Guarantee as
we have no control over your Payee’s acceptance of or changes to a particular Delivery
Method.

While it is anticipated that most Bill Payments will be delivered by the Deliver By Date, it
is understood that due to circumstances beyond our control, particularly delays in
handling and posting payments by slow responding companies or financial institutions,
some transactions may take a few days longer to be credited by your Payee to your
Payee account. FOR THIS REASON, YOU NEED TO SELECT A DELIVER BY DATE WHICH IS
SUFFICIENTLY IN ADVANCE OF THE ACTUAL DUE DATE (NOT THE LATE DATE) OF YOUR
PAYMENT OBLIGATION TO ENSURE THAT YOUR PAYMENT ARRIVES ON OR BEFORE
YOUR DUE DATE AND NOT AFTER THE DUE DATE OR DURING THE GRACE PERIOD.

v. Additional Terms Applicable to Only Variable Automatic Bill Payments: You may now
also set up variable automatic Bill Payments for select Payees participating in e-Bills.
Variable automatic Bill Payments differ from Repeating Bill Payments in that variable
automatic payments are triggered based on the associated billing date and/or the bill
due date, as set up by you, and the payment amount may vary each month. While it is
 anticipated that most variable automatic Bill Payments will be delivered by the Deliver
By Date you set, it is understood that due to circumstances beyond our control,
particularly when your Payee is late in providing the e-Bill and/or we receive the e-Bill
too close to, on, or after the bill’s due date, WE MAY BE UNABLE TO PAY THAT BILL AND
YOU WILL HAVE TO MAKE ALTERNATIVE PAYMENT ARRANGEMENTS DIRECTLY WITH THE
PAYEE. These terms apply in addition to the other terms applicable to Repeating Bill
Payments in this Section 5(b), and additional terms for variable automatic Bill Payments
may be presented to you at the time you set up the variable automatic Bill Payment.
vi. Canceling Bill Payments: You may cancel any Pending or Funded Bill Payment if you do
so no later than the Cutoff Time, on the Send On Date. Funds will be returned to your
From Account by the following Business Day. You may not stop a Bill Payment after the
Cutoff Time has passed.

For J.P. Morgan Chase credit card Bill Payments only, the Cutoff Times do not apply and
you may cancel the payment any time before it is sent.

c. Bill Payments to Chase Loans or Credit Accounts

i. Bill Payments to Chase Loans or Credit Accounts: Only Business Days may be chosen as
Payment dates for Chase Loans or Credit Accounts and Instructions must be received by
us by the Cutoff Time as stated above to receive credit on that same Business Day;
Instructions received on any non-Business Day or after the Cutoff Time on any Business
Day will be processed on the next Business Day.
ii. Bill Payments to J.P. Morgan Chase Home Equity or Personal Loan or Line of Credit
Accounts: Same-day payments using a J.P. Morgan Chase deposit or prepaid account
made before the Cutoff Time as stated above on any day will be credited with the date
the payment is submitted. Only Business Days may be chosen as Payment dates for
Future Dated payments or payments made using a non-J.P. Morgan Chase checking
account and Instructions must be received by us by the Cutoff Time as stated above to
receive credit on that same Business Day; Instructions received on any non-Business
Day or after the Cutoff Time on any Business Day will be processed on the next Business
Day.

Bill Payments to a Chase Loan or Credit Account from an account held by us may be made in
amounts of up to the available balance in your From Account (plus any available balance in
any associated overdraft protection account) per day.

Note: Bill Payments to J.P. Morgan Chase credit card accounts have separate payment date
options and terms that will be displayed at the time Instructions are provided by you.

d. Bill Payments to Certain Healthcare Providers

Provided that you maintain an eligible checking account, asset management account, or
Investment Account with us and designate one of your eligible accounts with us as your Pay
From account, you may also have the option to use one of your J.P. Morgan Chase credit
cards to pay certain healthcare providers listed in our Bill Pay directory. Your J.P. Morgan
Chase credit card will be shown as one of the payment options if a healthcare provider you
are trying to pay is eligible to receive J.P. Morgan Chase credit card payments. You may be
able to schedule a one-time, future-dated, or recurring Bill Payment using a J.P. Morgan
Chase credit card for certain healthcare providers and may cancel any such payment at any
time before it is sent. Sent J.P. Morgan Chase credit card payments will be authorized
immediately so you will not be able to cancel any payment after it has been sent. These terms
apply in addition to and, in the event of conflict shall supersede, the other terms applicable to
the Bill Payment Service.

For Business Accounts: Even if the dual control function has been turned on for the Bill
Payment Service, payments to healthcare providers using a J.P. Morgan Chase credit card will
not be submitted for approval.

e. Duplicate Payments

If you submit a duplicate Bill Payment request, an error message may be displayed on our
website but you may choose to bypass the message and schedule the payment. If you submit
a duplicate Bill Payment to a Chase Loan or Credit Account, an error message may be
displayed and such duplicate payments may not be permitted. No error message will be
displayed for duplicate Bill Payments made through different methods (e.g., the Bill Payment
Service and PFM Software) and the payments will be processed as normal. We may impose
limits on the number of Bill Payments that may be scheduled for payment to Chase Loan or
Credit Accounts on a given day from Chase deposit accounts and will notify you of such
limitations as required by law or regulation.

If you submit a Bill Payment request via your PFM Software, you may not receive an error
message for duplicate payments. Should you decide for any reason to reload your original
PFM Software or to change PFM Software at any time after you have begun using the Online
Services with your original PFM Software, you MUST (i) check to see if any Pending Bill
Payments which you have ordered to be made remain outstanding, and (ii) cancel any
Pending Bill Payments prior to loading the new software. Failure to cancel Pending payments
prior to installing the new software may result in the issuance of duplicate payments. You
authorize us to pay any duplicate Bill Payments that you have directed. WE WILL NOT BE
RESPONSIBLE FOR ANY PAYEE’S REFUSAL TO RETURN ANY DUPLICATE PAYMENTS MADE
AS A RESULT OF SOFTWARE CHANGES THAT YOU DIRECT.

f. Stale Dated Payments

Paper checks which may be issued to your Payees are not negotiable after the designated
period noted on the check, usually ninety (90) days. Occasionally, paper check payments are
not cashed by your Payee within the negotiable period. When this happens, we will notify you
and credit your From Account. We have no liability to you, your Payee or any other party for
refusing payment on any check that remains outstanding after the end of the negotiable
period.

g. Merchant or Payee Limitation

We reserve the right to refuse to pay any Payee whom you may designate for a payment. We
will notify you promptly if we decide to refuse to pay a Payee designated by you. This
notification is not required if you attempt to pay any Payees for payments related to
Prohibited Activities as defined in your deposit account agreement, pay tax or court related
payments or payments to Payees located outside the United States, each of which is
prohibited under this Addendum.

6. Terms applicable to your use of the e-Bills Service for both Consumer
and Business Accounts

E-Bills is a feature of the Bill Payment Service that enables you to receive bills electronically
from participating Payees.

a. Electronic Communications/Payee Terms. By activating e-Bills, you agree to abide by

the terms and conditions stated in this Section to get e-Bills, and to get other related
communications electronically. By activating e-Bills, you will be required to agree to each
Payee’s terms and conditions, which will also include the requirement to not to receive
paper bills. For avoidance of doubt, you understand and agree that enrollment into e-
Bills will terminate the provision of paper statements to you by the Payee, including any
reformatted paper statements, i.e., Braille or enlarged font, that you were receiving
from the Payee, and any accommodations or exceptions will be agreed upon and made
between you and the Payee and not J.P. Morgan Chase.
b. Limitations. You must enroll each Payee individually in e-Bills. You also acknowledge
and agree that the right to activate and receive e-Bills for each Payee is limited to one
financial institution. If you activate e-Bills for a particular Payee through us, you will no
longer receive e-Bills for that Payee through the financial institution through which
you’re currently receiving such e-Bills. Conversely, if you activate e-Bills for a particular
Payee through another financial institution, your action will effectively terminate the e-
Bills service for that Payee and you will no longer receive such e-Bills through us.
c. Approval of e-Bills. Participating Payees establish their own criteria for reviewing
requests to receive e-Bills and have sole discretion to accept or decline your request. We
do not participate in this decision. Participating Payees generally take up to five (5)
Business Days to approve an e-Bill set-up request. By requesting that bills, statements,
or other related communications be sent to you electronically, you warrant that you
have the right, power, and authority to receive them.
d. Individual and Joint Responsibility. Any individual borrower, account holder or
authorized user on your loan, line of credit, or account can enroll in and use e-Bills.
Regardless of the individual who enrolls in e-Bills, the terms of this Section apply to all
borrowers/account holders/authorized users, individually and jointly.
e. Timely Delivery of e-Bills. We take no responsibility if a Payee does not provide the
necessary data to forward an e-Bill in a timely manner. If you do not receive a bill, it is
your responsibility to contact the Payee directly. We are not responsible for any late
charges or other adverse consequences. Any questions regarding your bill details
should be directed to your Payee.
f. Cancel e-Bills. All parties have the right to cancel the e-Bills service at any time. We may
also elect to discontinue delivering e-Bills for certain Payees or customers. We will notify
 you if J.P. Morgan Chase or a Payee discontinues/stops e-Bills. If you request that an e-
Bill be discontinued, we generally require at least seven (7) Business Days for the Payee
to receive and process the request. Therefore, you may not receive a paper statement
from the Payee, and/or you may not receive an e-Bill through the new financial
institution through which you have activated the e-Bill service for the Payee, but
continue to receive e-Bills from us instead for one or two cycles. We also reserve the
right to terminate a Payee’s participation in e-Bills at any time.
g. Privacy. When you request e-Bills from a participating Payee you will provide certain
information such as required username and password, and you authorize us and our
third party service provider to collect and forward such information onto the Payee on
your behalf, and you appoint us and our third party service provider as your agent for
the limited purpose of completing your enrollment. If you have concerns about the
future use of this information by the Payee you should contact your Payee directly.
h. Fees, Charges or Other Terms. Unless otherwise noted in your account agreement, we
do not charge any fees for using e-Bills.
i. Acknowledgements and Agreements. You understand and agree that
• e-Bills are provided for your convenience, and payments due continue to be your
responsibility;
• e-Bills (and any content contained therein) may only be available in English, and
not in a foreign language, including Spanish, regardless of whether you currently
receive a Payee’s bill in a foreign language, depending on the Payee. By using e-
Bills, you agree to receive the e-Bills in English, even if you use or access J.P.
Morgan Chase’s website, mobile application or J.P. Morgan Chase’s other products
and services in a foreign language. You agree that J.P. Morgan Chase is not
responsible for delivering the e-Bills to you in a foreign language, and any
questions regarding this issue will be directed to your Payee;
• the e-Bill summary (and any content contained therein) is accessible via screen
reader software and other Assistive Technology (“AT”) as presented on any J.P.
Morgan Chase digital platform. The e-Bill summary may include the statement
date, due date, amounts due and/or other information, and is different from the e-
Bill;
• e-Bills (and any content contained therein) may not be presented in a way which is
accessible to screen reader software or AT which are conformant to web content
accessibility guidelines (WCAG) version 2.0, level AA success criteria, regardless of
whether you currently can access Payee’s bill online or via digital application using
screen reader software or other AT, depending on the Payee. By using e-Bills, you
agree to receive the e-Bills as provided, which may include an inaccessible format,
even if you use or access J.P. Morgan Chase’s website, mobile application or J.P.
Morgan Chase’s other products and services by using screen reader software or
other AT. You agree that J.P. Morgan Chase is not responsible for delivering the e-
Bills to you in a digitally accessible format which conforms to WCAG v. 2.0 AA, and
any questions regarding this issue will be directed to your Payee.
j. Accuracy or Completeness. An e-Bill may or may not have all the same information as
the paper version, depending on the Payee. J.P. Morgan Chase presents the e-Bills as
provided by the Payee. J.P. Morgan Chase is not responsible for any information or
communications related to them, or for the acts or omissions of any Payee.
7. J.P. Morgan Chase Is Not Responsible for Third Parties

We are not responsible for any aspect of your relationships with the Payees, or for the
performance or non-performance of these third parties. We do not act as a service provider
of the Payees. Transactions between you and a Payee are governed by the Payee’s terms and
conditions. We do not endorse or assume any liability for any Payee you use, and we do not
have any liability for payments, returns, refunds, chargebacks, loyalty and rewards related
offers and benefits or any disputes between you and a Payee or other third parties.

8. ADDITIONAL TERMS APPLICABLE ONLY TO BILL PAYMENTS FOR

CONSUMER ACCOUNTS.

For Consumer Accounts, please see your deposit account agreement for important
information about your rights and obligations regarding liability for activity on your account.
If you perform transactions from a home equity line of credit or other credit account, please
see your home equity line of credit or other credit documents for information about your
liability for unauthorized charges or other errors or questions relative to those accounts. You
should use your Consumer Account to send or receive payments for personal, family, or
household purposes, and you should use your Business Account to send or receive payments
for business purposes. In the case of errors or questions about your electronic funds
transfers made through Payments and Transfers, please consult your account agreement for
details and reporting time frames.

The Online and Mobile Banking Guarantee – Only for Online and Mobile
Payments and Transfers (for Consumer Deposit and Prepaid Accounts
Only)

In the event that money is removed from your eligible consumer deposit accounts with us
without your authorization through Payments and Transfers, we will reimburse you 100% if
you tell us within two Business Days of your discovery of the unauthorized transaction. This
guarantee covers only things that are within our control -- the guarantee does not cover your
failure to completely log out and exit the Online Service when you're finished with your online
session or away from your computer or mobile device, nor does it cover your negligent
handling of your User ID and Password. It is your responsibility to use care when exiting the
system and safely maintain your user IDs and Passwords. See Section 8 “Additional Terms
Applicable Only to Bill Payments for Consumer Accounts” for additional information about
your rights and obligations regarding liability for activity on your account.

9. The Bill Pay Guarantee – for Online and Mobile Bill Payments and for
Online and Mobile Payments to a Chase Loan or Credit Account made from
a J.P. Morgan Chase checking account

If we ever cause processing delays of your online or mobile Bill Payments or online or mobile
payments to a Chase Loan or Credit Account made from a J.P. Morgan Chase checking
account or J.P. Morgan Chase credit card that result in late fees, we will cover 100% of those
fees. This guarantee covers everything within our control. Our guarantee does not cover
losses, which you cause, or payment processing delays, which are not caused by us or within
our control, such as:

• Your failure to make your payment request by the Cutoff Time sufficiently in advance of
the Payee’s due date for the payment to arrive on time (before the grace period begins)
• Your input errors or errors made by your Payees
• Your negligent handling of user IDs and Passwords
• Your failure to completely log out of the Services or logging in to the Services and
leaving your computer unattended
• Your failure to notify us of any suspected unauthorized transaction from your From
Account, or theft of your user ID or Password within the time periods specified in this
Addendum and your account agreement. If you suspect any suspicious activity on your
account with us, notify us immediately at 877-CHASEPC (877-242-7372).
• Your failure to follow the procedures or to otherwise fail to use the Bill Payment Service
in accordance with the terms of this Addendum.
• Your Payee’s change to the Delivery Method resulting in an increase in processing time
for your payments or your Payee mishandles or delays processing or posting a
payment.

As a precondition to this guarantee, you agree not to enter into any agreements where one of
the purposes is to generate late payment fees. The risk of incurring and the responsibility for
paying any and all late charges or penalties shall be borne by you in the event you do not
follow the procedures or otherwise fail to use the Bill Payment Service in accordance with the
terms of this Agreement.

10. ADDITIONAL TERMS APPLICABLE ONLY TO BILL PAYMENTS FOR

BUSINESS ACCOUNTS

a. Linking Multiple Accounts – Business and Consumer

You may use Chase Online for Small Business to access eligible accounts. These
accounts may include accounts of affiliated, subsidiary, or non-affiliated businesses
bearing the same tax identification number which may be added to your business
subscription with the agreement of each such business. You may be permitted to link
Consumer Accounts to your Online Services profile provided: (i) the authorized signer on
the Business Account is also an authorized signer on the Consumer Accounts to be
linked and (ii) the Consumer Account information provided during linkage is accurate
and can be validated.

b. Liability for Unauthorized Bill Payments for Business Deposit Accounts Only

You are responsible for all Bill Payments that are authorized using your Password. If you
permit other persons to use the Bill Payment Service or your Password, you are
responsible for any transactions they authorize.

We are not liable to you for any errors or losses you sustain in using the Bill Payment
 Service except where we fail to exercise ordinary care in processing any transaction. We
are also not liable for any failure to provide any service if the account(s) involved is no
longer linked for Bill Payments. Our liability in any case shall be limited to the amount of
any money improperly transferred from your From Account less any amount, which,
even with the exercise of ordinary care, would have been lost.

Without regard to care or lack of care of either you or us, a failure to report to us any
unauthorized Bill Payment or error from any of your accounts in accordance with the
applicable time frames set forth in your account agreement shall relieve us of any
liability for any losses sustained after the expiration of such reporting period and you
shall thereafter be precluded from asserting any such claim or error.

c. Errors and Questions about Bill Payments for Business Deposit Accounts Only

In the case of errors or questions about your electronic funds transfers made through
Payments and Transfers, please consult your account agreement for details.

11. Definitions

• “Draft” refers to checks, or other negotiable instruments or items prepared by us or

our agents and issued pursuant to your Instructions under the Bill Payment Service.
• “Payment date” refers to the date you would like your payment sent, including
payment to your Chase Loan or Credit Account.
• “Repeating” refers to automatic recurring Bill Payments to the same Payee for the
same amount (or varying amount, in the case of variable automatic Bill Payments) which
you can authorize for transmission.
• “Sent” refers to the status of a Bill Payment where the funds have been debited from
the applicable account, but which a Bill Payment has not yet been posted to the
account.

Addendum:
Bill Pay Directory Service
(For Business Customers Only)

Last updated: 10/04/2021

This Addendum governs your use of the service that enables you to electronically receive
payments or remittances owed to you by your customers or other third parties (“Electronic
Payments”) and to receive detailed information related to the Electronic Payments
(“Remittance Information” and collectively with the Electronic Payments, for purposes of
this Addendum, the “Service”).

1. Processing of Electronic Payments

We will enable you to receive Electronic Payments and Remittance Information from us, and
you authorize us to add you to our bill pay directory. We will credit to a demand deposit
account maintained by you at J.P. Morgan Chase (the “Designated Account”) each Electronic
Payment directed to be paid to you by your customers or other third parties. Each such
Electronic Payment will be transmitted for credit to the Designated Account on the later of
the payment date/effective entry date specified in the Remittance Information or the date on
which such Electronic Payment instruction is received by us.

2. Transmission of Data

On each banking day, as defined in U.C.C. § 4-104 (“Banking Day”), that you receive at least
one Electronic Payment, we will use commercially reasonable efforts to deliver to you by
means of secure e-mail or other method as determined by us, a report (the “Daily Report”)
containing Remittance Information. We will have no liability or responsibility for any
inaccurate, incomplete or non-current information contained in the Remittance Information.
Notwithstanding the foregoing, in no event shall we be deemed to breach this Addendum or
be liable for any damages arising from its failure to deliver such Daily Reports for any reason.

You agree to: (a) provide us with all information necessary to process the Electronic
Payments; (b) ensure that your email address where Remittance Information will be sent is
correct and assume any and all liability arising out of your provision of an incorrect email
address; (c) review all Remittance Information received from us and ensure that all
information contained therein is correct; (d) ensure that all Electronic Payments are posted to
reflect receipt within two (2) days of receipt of the Remittance Information; (e) not assess a
late fee to your customers or other third parties for delays attributable to you; (f) indemnify
the J.P. Morgan Chase Indemnified Parties for any Losses in connection with any third party
claim resulting or arising from a delay attributable to you; and (g) inform us as soon as
possible, and in any event not later than twenty-four (24) hours after receipt of Remittance
Information, of any incorrect or questionable information identified therein.

3. Fees

We do not charge you any additional fees for using the Service. However, you will be
responsible for paying for any and all administrative costs, including utility charges and/or
Internet access service fees, incurred to connect with, and/or to receive, this Service and/or to
receive the Daily Reports and Remittance Information.

4. Cancellation of the Electronic Payment Service

You may cancel the Service by calling 877-CHASEPC (877-242-7372) or online. (You should also
call this number to change any information or to reverse any Electronic Payments.) We may
cancel the Service at any time. Cancellation by either party will be effective within two (2)
Banking Days. In the event there are any pending, recurring, or future-dated payments or
transfers scheduled as of the cancel date, any such payments or transfers will be processed
via paper check. In the event the Service is canceled, this Addendum will no longer apply to
you, you will be removed from our bill pay directory, and any payments or transfers directed
to be sent to you after the cancel date will be by paper check. When you cancel this Service,
such cancellation will have no impact on the other Online Services or account relationships, if
any, with us.

Addendum:
Chase and J.P. Morgan QuickDeposit for Mobile
Last updated: 9/22/2022

This Addendum governs your use of the Chase and J.P. Morgan QuickDeposit Service as
further described below (for purposes of this Addendum, the “Service”).

1. Chase and J.P. Morgan QuickDeposit Service

a. In order to enroll in the Service, you must be designated as an authorized signer or

owner of a Private Bank deposit account with J.P. Morgan, a Chase checking or savings
account, J.P. Morgan Wealth Management investment account and other accounts as we
may determine in our sole discretion from time to time (each, an "Eligible Account"). The
Service is designed to allow you to make certain deposits to an Eligible Account
electronically by using a Chase Mobile or J.P. Morgan Mobile application (as applicable)
and capture device (such as a smartphone or other mobile device) to (i) create electronic
images of the front and back of an Item by scanning the Item and (ii) transmit it and
related data to us or our designated processor for review and processing in accordance
with this Addendum. As part of the Service you must use software and hardware
provided by or acceptable to us. You are solely responsible for information or data that
is transmitted, supplied or key-entered by you, your employees or agents. Before you
scan any Item, you shall endorse all Items with your name and the legend "For
Electronic Deposit at Chase Only," for Chase customers, or "For Electronic Deposit at J.P.
Morgan Only," for J.P. Morgan clients for deposits to bank accounts, or "For Electronic
Deposit at JPMS Only" for investment accounts, or as otherwise instructed by us. You
agree to follow any and all other procedures and instructions for use of the Service as
we may establish from time to time.
b. As conditions to Chase’s and J.P. Morgan’s provision of the Service, you shall (i) maintain
the Eligible Account(s) in good standing,(ii) subscribe to the Service and (iii) comply with
such restrictions on the Service as we may communicate to you from time to time.
c. You agree that: (i) after the Item has been scanned and submitted for deposit, you shall
not otherwise transfer or negotiate the original Item, substitute check or any other
image thereof; (ii) you shall be solely responsible for the original Item, including storage,
retrieval and destruction; and (iii) the electronic image of the Item or any substitute
check, as defined by federal law, will become the legal representation of the Item for all
purposes (except for funds availability, see Section 1(g) below), including return items
processing.
d. For bank check deposits, if we receive a scanned Item at or before 11:00 p.m. ET on a
Business Day we are open, we will consider that day to be the day of deposit. If we
receive a scanned Item after 11:00 p.m. ET or on a weekend or a state or federal bank
holiday, we will consider that the deposit was made on the next business day.
e. For investment check deposits, if we receive a scanned item at or before 8:00 pm ET on
a Business Day we are open, we will consider that day to be the day of deposit. If the
client submits the check deposit after 8:00 p.m. ET on a Business Day, the client submits
the check deposit before but we review after 8:00 p.m. ET on a Business Day, or the
client submits the check deposit on a non-Business Day, we will consider that the
deposit was made on the next business day.
f. You agree that Items submitted using the Service are not subject to the funds availability
requirements of Federal Reserve Board Regulation CC. Except for deposits to
Investment accounts, funds from deposits made via the Service generally will be
available for withdrawal by the next Business Day after the day of deposit. However, we
may apply additional delays on the availability of funds based on any other factors as
determined by us in our sole discretion. For funds availability for deposits to Investment
accounts, see Section 1(g).
g. Investment checks will usually be available for trading between 1 – 3 business days after
review. The amount available for trading for J.P. Morgan Self-Directed Investing accounts
will be subject to a limit of $25,000 for clients using the Chase mobile app and $50,000
for clients using the J.P. Morgan mobile app. All deposits into investment accounts will
be subject to a 7 business day withdrawal hold after review.
h. The maximum amount you may deposit through the Service for bank accounts is $2,000
per day, or $5,000 in any rolling thirty (30) day period, unless you are a (i) Chase Private
Client, in which case the maximum is $25,000 per day, or $100,000 in any rolling thirty
(30) day period, or a (ii) client with a J.P. Morgan Private Bank account, in which case the
maximum is $100,000 per day or $500,000 in any rolling thirty (30) day period. For
investment accounts, the maximum deposit amount is $100,000 in any rolling thirty (30)
day period for taxable accounts and for IRAs the maximum for Contribution (as defined
by the IRS) is $6,000 or $7,000 per year in accordance with IRS guidance and $500,000
for Rollovers (as defined by the IRS) and Direct Transfers (as defined by the IRS), in any
rolling thirty (30) day period. However, we may allow transactions that exceed your
limits, and if we do so, we may increase or decrease that amount (but not below the
disclosed limits) without notice. We may temporarily reduce your limits below these
disclosed limits without notice for security reasons. When you open the Service on your
mobile device and select an account, the application will display your current available
limit and you may view the maximum amounts we will permit you to deposit daily and
on a rolling thirty (30) day basis. We reserve the right to modify the foregoing limits,
and/or impose limits on the number of deposits that you transmit using the Service
from time to time, and will notify you to the extent required by law. You are responsible
for accurately selecting the appropriate IRA, tax year, contribution type and other
information and understand that errors may have tax consequences and may not be
able to be remediated.
i. We may, at our discretion, return or refuse to accept all or any part of a deposit to your
account using the Service at any time and will not be liable for doing so even if such
action causes outstanding checks or other debits to your account to be dishonored and
returned.
j. We do not charge you for using the Service.
k. All of your deposits using the Service will be reflected on your Chase or J.P. Morgan
account statements, as applicable, and in your online account activity. You will also
 receive a receipt on your mobile device at the time the deposit is completed through the
Service.

2. Item Quality and Processing

The image of an Item transmitted to us using the Service must be legible. If the electronic files
and/or images transmitted to us with respect to any Item do not comply with our or our
processor’s requirements for content and/or format, we may, in our sole discretion:

• further transmit the Item and data in the form received from you;
• repair or attempt to repair the Item or data and then further transmit it;
• process the Item as photocopies in lieu of originals; or
• return the data and Item to you unprocessed and charge back your account.

3. Representations, Warranties, and Covenants of Customer

You represent, warrant, and covenant to us that:

• any image we receive accurately and legibly represents all of the information on the
front and back of the original Item as originally drawn;
• the information you transmit to us corresponding to an Item contains a record of all
applicable MICR-line information required for a substitute check and the accurate
amount of the Item;
• no person will receive a transfer, presentment, or return of, or otherwise be charged
for, the Item (either the original Item, or a paper or electronic representation of the
original Item) such that the person will be asked to make payment based on an Item
that has already paid;
• you will not redeposit through the Service any Item previously deposited and returned
to you unless we advise you otherwise;
• you will employ commercially reasonable security measures and firewalls sufficient to
protect transmissions and storage to ensure no unauthorized access or duplicate
presentment;
• you will use the Service only to transmit Items that originated as paper Items;
• if you are depositing Items on behalf of third parties, the owner of the Item has
authorized you to negotiate the Item and electronically transmit the Item; (for deposits
to Investment accounts),
• you will only transmit Item(s) that are drawn on or payable at or through banks located
within the United States; and
• if you are scanning Items from a location outside of the United States, such
authorization covers the cross-border transmittal of the Item.

Addendum:
Chase QuickDeposit Classic for Business Banking
(For Business Customers Only)
Last updated: 10/04/2021

This Addendum governs your use of the Chase QuickDeposit Service as described below (for
purposes of this Addendum, the “Service”).

1. Chase QuickDeposit Service

a. The Service allows you to make certain deposits to an eligible account electronically by
using a capture device to create an electronic image of an Item by scanning the Item
and transmitting it and related data to us. As part of the Service you must use software
and hardware provided by or acceptable to us. You are solely responsible for
information or data that is transmitted, supplied or key-entered by you, your employees
or agents. Before you scan any Item, you shall endorse all Items with your name and the
legend “For Deposit Only”.
b. Deposits made via a single feed check or multi-feed check feeder scanner (ordered from
J.P. Morgan Chase) may only be made from a location within the United States and its
territories. Deposits made via an eligible mobile device or eligible tablet device (without
single feed or multi-feed scanner attached) may be scanned from any location.
c. You agree that after the Item has been scanned and submitted for deposit, you shall not
otherwise transfer or negotiate the original Item, substitute check or any other image
thereof. You further agree that you shall be solely responsible for the original Items,
including storage, retrieval and destruction.
d. You agree that the electronic image of the Item or any substitute check, as defined by
federal law, will become the legal representation of the Item for all purposes (except for
funds availability, see Section 1(f) below), including return items processing.
e. If we receive a scanned Item at or before 11:00 p.m. ET on a Business Day we are open,
we will consider that day to be the day of deposit. If we receive a scanned an Item after
11:00 p.m. ET or on a weekend or a state or federal holiday, we will consider that the
deposit was made on the next Business Day.
f. Federal Reserve Board Regulation CC (availability of funds) does not apply when you
transmit the electronic images of Items to us. Funds from deposits made via the Service
generally will be available for withdrawal by the next business day after the day of
deposit. However, we may apply additional delays on the availability of funds based on
any other factors as determined by us in our sole discretion.
g. We may return or refuse to accept all or any part of a deposit to your account using the
Service at any time and will not be liable for doing so even if such action causes
outstanding checks or other debits to your account to be dishonored and returned.
h. You agree to pay the fees described in Exhibit A attached hereto.

2. Deposit Limits

a. You may make deposits to your account via a single feed check or multi-feed check
feeder scanner (ordered from J.P. Morgan Chase), eligible mobile device or eligible tablet
device. Notwithstanding the foregoing, if you are a Private Banking client, deposits to an
account may only be made via a single feed check or multi-feed check feeder scanner
(ordered from J.P. Morgan Chase).
 b. The maximum amount you may deposit on any day, and the maximum aggregate
amount that you may deposit during any thirty (30) day period to each Business Account
via an eligible mobile device or eligible tablet device are subject to limits and will be
displayed within the Service prior to each deposit. The maximum amount you may
deposit to each Business Account via a single feed check or multi-feed check feeder
scanner (ordered from J.P. Morgan Chase) on any day is $999,999,999.99, and the
maximum aggregate amount that you may deposit to each account during any thirty
(30) day period is $999,999,999.99.
c. If you are a Private Banking client, in lieu of the foregoing, the maximum amount you
may deposit to each account via a single feed check or multi-feed check feeder scanner
(ordered from J.P. Morgan Chase) on any day is $999,999,999.99, and the maximum
aggregate amount that you may deposit to each account during any thirty (30) day
period is $999,999,999.99.

3. Item Processing

If the electronic files and/or images transmitted to us with respect to any Item do not comply
with our or our processor’s requirements for content and/or format, we may, in our sole
discretion:

• further transmit the Item and data in the form received from you;
• repair or attempt to repair the Item or data and then further transmit it;
• process the Item as photocopies in lieu of originals; or
• return the data and Item to you unprocessed and charge back your account.

4. Representations, Warranties, and Covenants of Customer

You represent, warrant, and covenant to us that:

• any image we receive accurately and legibly represents all of the information on the
front and back of the original Item as originally drawn;
• the information you transmit to us corresponding to an Item contains a record of all
applicable MICR-line information required for a substitute check and the accurate
amount of the Item;
• the Item conforms to the technical standards for an Electronic Item set forth in Federal
Reserve Board Regulation J, or Federal Reserve Bank operating circulars and for a
substitute check set forth in Federal Reserve Board Regulation CC;
• no person will receive a transfer, presentment, or return of, or otherwise be charged
for, the Item (either the original Item, or a paper or electronic representation of the
original Item) such that the person will be asked to make payment based on an Item it
has already paid;
• you will not redeposit through this Service any Item previously deposited and returned
to you unless we advise you otherwise;
• you will employ commercially reasonable security measures and firewalls sufficient to
protect transmissions and storage to ensure no unauthorized access or duplicate
presentment;
• you will only transmit items that originated as paper Items;
 • if the you are depositing Items on behalf of third parties, the owner of the Item has
authorized you to negotiate the Item and electronically transmit the Item; and
• if you are scanning Items from a location outside of the United States (only permitted
via an eligible mobile device or eligible tablet device), such authorization covers the
cross-border transmittal of the Item.

5. Cancellation or Termination of Service

If you cancel or terminate the Service before the expiration of two (2) years from your first
use of the Service, you shall pay an Early Cancellation Fee, as stated in Exhibit A.

You can cancel the Service by calling 800-242-7338. When you call us, we may also require
you to put your request in writing. When you cancel the Service, you will no longer be able to
access any of your Service features. You will not receive a refund of any Service fee if your
Service is cancelled.

Exhibit A to Chase QuickDeposit Classic for Business Banking Addendum

Monthly Fee*:

• $25.00 for single feed check feeder scanner

• $50.00 for multi-feed check feeder scanner

First Scanner:

• No charge (with 24-month scanner agreement)

Additional Scanner:

• $300 per single feed check scanner (plus applicable sales tax)
• $600 per multi feed check scanner (plus applicable sales tax)

Transaction Fees:

• See your deposit account agreement

Early Cancellation Fee:

• $250.00

*Monthly fee may differ based on promotional pricing. Any differences will be disclosed and
agreed to prior to service activation.

Addendum:
Fraud Protection Services
(For Business Customers Only)
Last updated: 10/04/2021

This Addendum governs your use of the fraud protection services described below (the
“Fraud Protection Services,” “FPS” or for purposes of this Addendum, the “Service”). Except
as otherwise set forth in this Addendum (including Section 9 below), all capitalized terms used
but not defined herein shall have the meaning set forth in the General Terms and Conditions

1. Fraud Protection Services

The Services are data matching services comprised of the Positive Pay Service, the Reverse
Positive Pay Service, and the ACH Debit Block Service. There is no fee for any of the Fraud
Protection Services. These Services are tools that you may select for eligible checking
accounts to help you manage and control risks associated with the payment of Items as well
as ACH debits presented against your accounts by enabling you to decide which checks are to
be paid or returned unpaid as well as which ACH debits are to be allowed or blocked. For
each eligible checking account, you may elect to enroll that account in the ACH Debit Block
Service and either the Positive Pay Service or the Reverse Positive Pay Service or neither of
them; provided, however, that you may not enroll an account in both the Positive Pay Service
and the Reverse Positive Pay Service at the same time. When you enroll in either the Positive
Pay Service or the Reverse Positive Pay Service, you will no longer receive the original Items
with your account statement. When using Fraud Protection Services, it is a best practice to
monitor the security dashboard daily for pending transactions.

2. Eligibility

You shall maintain a checking account with us domiciled in the United States and
denominated in US Dollars. Not all checking accounts are eligible for the Fraud Protection
Services, and we may change eligibility criteria and which checking accounts are eligible for
any or all of the Fraud Protection Services at any time. Subject to checking account eligibility,
you may also elect to unenroll a checking account from one of the Fraud Protection Services
and to enroll that account in the other Fraud Protection Services at any time, but a change in
the Fraud Protection Services may result in a gap period during which none of the Fraud
Protection Services is available with respect to that account for a few days. You take all
responsibility for any liability, loss or damage occurring during or related to that gap period
and to work with us to minimize any liability, loss or damage occurring during or related to
that gap period. Your checks must be printed within our guidelines as set forth in the Account
Rules and Regulations.

3. Activation

To activate and use the Fraud Protection Services, you must have and maintain one or more
deposit accounts with us, and request activation of the Fraud Protection Services by
submitting the request on Chase Online for Business. Activation of the Fraud Protection
Services is subject to our approval, and we may require you to enter the service activation
codes that we may provide to you. The Reverse Positive Pay Service is available for use the
next Business Day after activation. The estimated activation date for use of the Positive Pay
Service will be within three (3) to seven (7) Business Days after Service enrollment.
Submission of Positive Pay Issuance Information (as defined below) is required for Positive
Pay service activation. Positive Pay Issuance Information submitted for Items issued before
the activation date and presented to J.P. Morgan Chase for payment before the activation
date will not be subject to the Positive Pay Service. Items presented to J.P. Morgan Chase for
payment after the activation date will be subject to the Positive Pay Service. The ACH Debit
Block Service will be activated within two (2) Business Days upon enrollment. Any changes
made to an existing ACH Debit Block Service will be effective within two (2) Business Days
after you make the change.

4. The Positive Pay Service

a. Issuance Information. You will provide us, by 8:00 p.m. ET on the day on which you
issue Items on a checking account enrolled in the Positive Pay Service, via Chase Online
or another mutually agreed upon transmission method, the following issuance
information for each Item: (i) account number; (ii) Item serial number (i.e., check
number); (iii) dollar amount, and (iv) issue date (collectively, the “Positive Pay Issuance
Information”). The Positive Pay Issuance Information provided by you must be exactly
as it appears on the Item, including the punctuation thereof, and be provided to us
without abbreviation or truncation.
b. Discrepancies/ Default Decision is Return.

We will compare the Positive Pay Issuance Information provided by you with the
corresponding information contained on the Items presented to us. If Items are
presented to us for which we have not received any Positive Pay Issuance Information
or containing information different from the Positive Pay Issuance Information for that
Item you provided, we will notify you by means of Chase Online or another transmission
method selected by us, on the Business Day following the Business Day on which the
discrepant Item is presented to us. We will provide you with information about any
discrepancy in the account number, Item serial number (i.e., check number), or dollar
amount thereof. You may then view the discrepant Item on Chase Online, and shall
advise us via Chase Online or another transmission method selected by us by the Cutoff
Time on that same Business Day whether you authorize that Item for payment (the
“Positive Pay Presentment Decision”).

We are entitled to rely on any instructions which we receive from you and reasonably
believe to be genuine. In the event that you fail to inform us of your Positive Pay
Presentment Decision about any discrepant Item by the Cutoff Time, we are authorized
to return such discrepant Item, unless otherwise agreed to in writing between the you
and us, and to charge a returned check fee to your account for such Item or to any of
your other accounts.

c. Item Payment. We are authorized to pay any Item drawn on any account enrolled in
the Positive Pay Service for which: (i) we receive Positive Pay Issuance Information,
provided the Positive Pay Issuance Information matches the corresponding information
for the Item, or (ii) the Item is otherwise properly payable. We are not obligated to
maintain signature cards for your account and whether or not we do maintain signature
 cards; in no event shall we be obligated to inspect any check for the presence or
authenticity of any signature or whether or not the signature is authorized. You
acknowledge and agree that our adherence to these procedures, in lieu of signature
examination, shall constitute the exercise of good faith and ordinary care by us in
handling Items presented for payment against such account.
d. Over the Counter Presentment for Encashment. We may, without liability to you,
refuse to pay any Item presented for encashment at any of our branch locations. If an
Item drawn on an account enrolled in the Positive Pay Service is presented for
encashment at one of the our branch locations, you authorize us to pay or decline such
Item based on the Positive Pay Service information at the teller line. We may charge a
person who cashes an Item drawn on your account a fee if that person is not our
customer. You agree to unconditionally release, indemnify and hold the J.P. Morgan
Chase Indemnified Parties harmless against any and all Losses in connection with any
third party claim resulting or arising from an Item being cashed over-the-counter,
including our refusal to cash any Item.
e. Voided Items or Stop Payments. You agree to indicate in the Positive Pay Issuance
Information that an Item is void with respect to Items that are not in circulation. If you
are not in possession of the original Item (or have not otherwise destroyed the original
Item while in your possession) and you wish to stop payment for such Item, then you
must place a stop payment order for such Item.

5. The Reverse Positive Pay Service.

a. Paid Information. For each Item drawn on an account enrolled in the Reverse Positive
Pay Service and presented to us for payment that is in an amount greater than any
threshold amount that you may establish, we will notify you, by the Business Day
following presentment of the Item, the following information via Chase Online or
another mutually agreed transmission method: (i) your account number; (ii) Item serial
number; and (iii) dollar amount (collectively, the “Reverse Positive Pay Information”).
You shall have the responsibility of comparing the Reverse Positive Pay Information with
your issuance information for each Item. We shall have no liability for any discrepancy
for any Item drawn on an account that is in an amount less than or equal to the
threshold amount for that account established by you.
b. Discrepancies/ Default Decision is “Pay.” If, on the basis of the Reverse Positive Pay
Information provided to you, you determine that an Item presented to us should not be
paid, then, you will initiate, by means of Chase Online or another transmission method
selected by us, by the Cutoff Time on the Business Day after the Business Day of
presentment of an Item to us, a request to return the discrepant Item (the “Reverse
Positive Pay Presentment Decision”). You shall provide details of any such discrepant
Item to us including your account number, Item serial number and dollar amount. We
are entitled to rely upon any Reverse Positive Pay Presentment Decision which we
receive and which we reasonably believe to be genuine. Your failure to review our
transmission of Reverse Positive Pay Information or failure to initiate a Reverse
Positive Pay Presentment Decision by the Cutoff Time for any Item may result in
the payment of any such Item unless otherwise agreed to in writing by us.
c. Item Payment. We are authorized to pay any Item drawn on any account enrolled in
 the Reverse Positive Pay Service for which we provide Reverse Positive Pay Information
and do not receive a timely Reverse Positive Pay Presentment Decision. We will return
any Item for which a timely Presentment Decision to return an Item is received. We are
not obligated to maintain signature cards for your account and whether or not we do
maintain signature cards, in no event shall we be obligated to inspect any Item for the
presence or authenticity of any signature or whether or not the signature is authorized.
You acknowledge that our adherence to these procedures, in lieu of signature
examination, shall constitute the exercise of good faith and ordinary care by us in
handling Items presented for payment against your account.
d. Over-the-Counter Presentment for Encashment. If an Item on any account enrolled
in the Reverse Positive Pay Service is presented for encashment at one of the our
branch locations, you authorize us to pay the Item as long as the we follow our usual
and customary over-the-counter encashment procedures (as amended from time to
time). We may charge a person who cashes an Item drawn on your account a fee if that
person is not our customer. You agree to unconditionally release, indemnify and hold
the J.P. Morgan Chase Indemnified Parties harmless against any and all Losses in
connection with any third party claim resulting or arising from an Item being cashed
over-the-counter, including our refusal to cash any Item. You acknowledge and agree
that the Reverse Positive Pay Service may provide little, or no, protection to you with
respect to Item presentment over-the-counter for encashment at our branches.

6. ACH Debit Block Service

a. Authorized Originators. Upon enrollment in the ACH Debit Block Service, we will only
allow originators that you designate as an Authorized Originator to post ACH debits to
account(s) that you enroll. You are solely responsible for providing us with all of the
necessary and correct information to add an Authorized Originator, namely, the ACH
Company ID, and we will not be liable for any transaction that we block or fail to block
based on the information provided by you. You should confirm the ACH Company ID
with each intended Authorized Originator before adding them.

When enabled, ACH Debit Block allows you to review and override your existing
instructions to block or unblock certain of your ACH transactions being processed. You
agree to the following when this feature is enabled and you choose to use it:

• We will present you with information on eligible ACH debits that are attempted to
be withdrawn from your enrolled Accounts to enable you to decide on a per
transaction basis whether to pay or return each attempted ACH debit. We cannot
guarantee that all eligible ACH debits will be presented to you. We have no
responsibility for, and shall not be liable to you in connection with, any failure to
present such information;
• You must provide your instructions using the interface provided for ACH Debit
Block Service by the cutoff time specified in the Service. If you fail to do so, we will
process the ACH debit per your general Instruction;
• We are entitled to rely on any Instruction which we receive from you and
reasonably believe to be genuine; and
• We are authorized to process an ACH debit in accordance with your existing
 instructions if you take no action to override your instructions, or your instructions
to override are defective or untimely.

The option to review will be automatically enabled for new enrollments but can be
disabled on the FPS settings tab. For existing ACH Debit Block enrollments, this feature
can be enabled or disabled on the settings tab where available.

IF YOU REMOVE THE ACH DEBIT BLOCK SERVICE FROM ANY ACCOUNT, ANY
ORIGINATOR WILL BE ABLE TO POST ACH DEBITS TO THAT ACCOUNT, AS THEY
WOULD HAVE BEEN ABLE TO DO BEFORE YOU ENROLLED THAT ACCOUNT IN THE
ACH DEBIT BLOCK SERVICE.

b. Blocked Originators. Upon enrollment in the ACH Debit Block Service, we will block all
attempts to post ACH debits to your account by all originators not designated as an
Authorized Originator. For clarity, any originator not designated as an Authorized
Originator by you is a Blocked Originator. To illustrate, the Internal Revenue Service as
well as other taxing authorities will be Blocked Originators unless you expressly
authorize them as Authorized Originators.
c. Transaction Limit. If you set a Transaction Limit for any Authorized Originator, we will:
(i) allow that Authorized Originator to post ACH debits to your account up to the
Transaction Limit you set for that Authorized Originator; and (ii) block the full amount of
an ACH debit any Authorized Originator attempts to post to your account if the ACH
debit is over the applicable Transaction Limit. If you do not set a Transaction Limit for an
Authorized Originator, that Authorized Originator may debit your account up to the limit
established by the ACH operating rules. You may elect to apply a Transaction Limit for
each of the Authorized Originators or you may apply one Transaction Limit for all
Authorized Originators.
d. Transactions Not Affected by Blocking. This ACH Debit Block Service does not apply
to certain transactions. Notwithstanding any of the foregoing, the following types of
ACH transactions will not be blocked:
• Debits to your account to offset any ACH credit entries originated by you through
us;
• Reversals of previously-received ACH credit entries;
• Returns or reversals by the RDFI of ACH debit entries originated by you through us;
• Reclamation entries (debits);
• Debits to your account initiated by us or our agent or affiliate to correct processing
errors, effect back valuations, or make other adjustments, or for fees, charges, or
other amounts you owe us or our affiliate;
• Debits to your account that we post pursuant to our internal procedures in order
to comply with applicable law, rules, and regulations (including payment system
rules or guidance); and
• Debits to your account for any transaction originated before you enrolled in the
ACH Debit Block Service.
e. We may override your ACH debit decisions and take a different action on your behalf
under certain circumstances as listed below.
i. We may override your ACH debit instructions and return certain ACH debits you
approve if:
 • there are insufficient funds in your Account to cover the ACH debit;
• a stop payment was previously placed on the transaction;
• we determine the transaction must be returned for fraud, risk-management,
legal, or regulatory reasons; or
• the Service is unavailable.
ii. We may override your ACH debit instructions and process certain ACH debits you
decide to return, including ACH debits we process per our internal procedures, to
comply with any legal requirement, payment system rule or guidance.

7. Unavailability of Service/ Alternative Service

In the event of a service disruption involving the Digital Platforms, generally, or the Fraud
Protection Services, specifically, we may, but shall not be obligated to, extend Cutoff Times, or
to fax, email or otherwise send Positive Pay Information and/or Reverse Positive Pay
Information to you, and we may, but shall not be obligated to, designate alternative
procedures for utilization of the Fraud Protection Services and for us to receive Positive Pay
Issuance Information, Positive Pay Presentment Decisions, and Reverse Positive Pay
Presentment Decisions. You should call Chase Online Customer Service at 877-CHASEPC (877-
242-7372) with any question or concern, or if the Fraud Protection Services are unavailable.
Notwithstanding anything to the contrary contained in this Section: (a) if we do not receive
any Positive Pay Presentment Decision about any discrepant Item by the Cutoff Time, we may
return such discrepant Item, and (b) if we do not receive any Reverse Positive Pay
Presentment Decision with respect to any Item by the Cutoff Time, we may pay any such
Item.

8. Disclaimer

No representation or warranty of any kind or description is intended or to be inferred from

the name “Fraud Protection Services,” which is a name given for the Positive Pay Service, the
Reverse Positive Pay Service, and the ACH Debit Block Service available as data matching
tools for your use on Chase Online to aid you to discharge your responsibility to prevent
errors and fraud that may exist with respect to Items presented against your accounts.

9. Definitions

• “ACH Company ID” refers to the ACH Company ID for an originator, as it appears on
that originator’s company/batch header record.
• “ACH Debit Block Service” refers to the services described in Section 6 of this
Addendum.
• “Authorized Originator” refers to an ACH Company ID that you have authorized to
post ACH debits to your account.
• “Blocked Originator” refers to an ACH Company ID that you have not authorized to
post ACH debits to your account.
• “Cutoff Time” refers to 4:00 PM local time at the branch office where the account is
maintained.
• “Positive Pay Service” refers to the services described in Section 4 of this Addendum.
 • “Reverse Positive Pay Service” refers to the services described in Section 5 of this
Addendum.
• “Transaction Limit” refers to the maximum amount of a single ACH debit that can be
posted to your account. You may set a Transaction Limit for an account, an individual
Authorized Originator, or both.

Addendum:
Gifting Service
Last updated: 10/04/2021

This Addendum governs your use of the Gifting Service (as defined below).

1. You may use your eligible From Account to buy a digital merchant gift card (“Gift Card”)
to send to another J.P. Morgan Chase customer, as well as anyone you know residing in
the United States (the “Gifting Service”). Eligible accounts for this service are currently
certain J.P. Morgan Chase checking accounts. We have the right to determine eligibility
and to restrict categories of accounts and recipients to whom Gift Cards can be sent
using the Gifting Service in our sole discretion.
2. You cannot buy a physical gift card through the Gifting Service.
3. We provide the Gifting Service through an arrangement with our gift card service
provider or the merchant that accepts the Gift Card and the merchant’s vendor. We
have the right to determine eligibility and to restrict categories of merchants from
whom Gift Cards can be purchased using the Gifting Service in our sole discretion.
4. We do not sell or issue the Gift Cards. When you buy a Gift Card through the Gifting
Service, you are purchasing a Gift Card from the merchant or its vendor that can only be
used with that merchant. We are not responsible for any damage or harm to you or any
third party resulting from the purchase of a Gift Card through the Gifting Service. We do
not warrant the availability or functionality of a Gift Card purchased through the Gifting
Service.
5. To buy a Gift Card, you must enter the Gift Card amount, the Send On Date, and the
recipient’s email address or other information as we may require. The email address
must belong to the intended recipient residing in the United States. You should only use
the Gifting Service to send Gift Cards to people that you know. Please make sure you
accurately enter the recipient’s email address since your obligation to pay for the Gift
Card will not be excused by an error in the information you enter. Both we and a
merchant may limit the amount of a Gift Card you can purchase. You acknowledge and
agree that the Gift Card purchase will be completed using only the email address you
provided for the recipient, even if it identifies a person different from your intended
recipient. The name you enter will help you identify your intended recipient and the
purchase in your transaction history but will not be used to process the Gift Card
purchase or to validate that the intended recipient owns or has authorized access to the
email address you entered.
6. We will not process your payment for the Gift Card if you do not have sufficient funds in
your designated From Account on the Send On Date or at the time the transaction is
initiated for Current Day purchases of Gift Cards. If sufficient funds are not in the From
 Account on the Send On Date or at the time the transaction is initiated for Current Day
purchases, the Gift Card transaction will fail and we will not make repeat attempts to
debit the applicable account.
7. We will share your Gift Card information including recipient’s information with our gift
card service provider or the merchant, who will share the information with their vendor.
Our gift card service provider or the merchant and the merchant’s vendor are
responsible for delivering the Gift Card to the person you choose and to the email
address or other contact information you provided. If your payment for the Gift Card is
successful, you authorize us to withdraw and transfer money from your From Account
in the amount of the Gift Card immediately or on the Send On Date, as applicable, to
pay our gift card service provider or the merchant.
8. Gift Cards can be purchased in amounts of up to $100 per transaction with a maximum
of $1,000 per day, and $5,000 in any calendar month, in the aggregate from all your
combined accounts registered with the Gifting Service. All limits are subject to
temporary reductions to protect the security of customer accounts and/or our
processing systems. At our discretion we may refuse to process any transaction that
exceeds any of the limits. In this case, you are responsible for making alternate
arrangements or rescheduling the Gift Card purchase.
9. We are not responsible for any acts or omissions by our gift card service provider or the
merchant or their vendor.
10. A Gift Card is subject to terms and conditions imposed by the merchant that accepts the
Gift Card and the merchant’s vendor. We do not control the terms of a Gift Card
purchased through the Gifting Service. Nothing in those terms and conditions limits our
rights or your obligations under any agreement between you and us. We do not provide
Gift Card support services related to issues arising after the issuance of the Gift Card.
You must contact our gift card service provider or the merchant or their vendor to
resolve issues related to a Gift Card arising after issuance of the Gift Card.
11. We do not charge a monthly service fee for you to use the Gifting Service. However, if
we process a payment in accordance with your Instructions that overdraws your From
Account with us or exceeds your J.P. Morgan Chase credit card limit, we may assess a
fee or charge interest in accordance with the terms of your account agreement or other
applicable agreement. Fees are subject to change from time to time upon notice to you
as may be required by law.
12. You may not edit or cancel a pending or processed Gift Card, but you may cancel any
Future Dated Gift Cards up until the Send On Date.
13. Gift Cards cannot be returned, refunded, replaced, or redeemed for cash.
14. Gift Cards may only be sent to a recipient in the United States and may only be
redeemed within the United States.

Addendum:
Online Wire Transfer and Chase Global Transfer Services
Last updated: 09/01/2022

This Addendum governs your use of the Online Wire Transfer and Chase Global Transfer
Services (referred to as “Funds Transfer Services” or “FTS” or for purposes of this
Addendum, the “Services”) including what you can expect from us and the security
procedures we will take when you use the Funds Transfer Services.

1. Protect Yourself Against Wire Scams

Only wire money to people you know or recipients you have verified. Be aware of wire
scams, because once the wire is sent, you may not be able to recover your money.

Know the signs of a scam. The requestor:

• Sends you wire instructions via email (ex. loan closing – always verify details by phone)
• Contacts you unexpectedly
• Claims there is an emergency
• Pressures you into paying immediately
• Only accepts payments via wire, gift cards, or crypto currency
• Tells you to “keep it secret” or instructs you “how to answer questions at the bank”
• Makes an offer or opportunity that sounds too good to be true
• Asks for your personal information

Known Common Wire Scams:

• Imposter: “I’m with the IRS, and you owe back taxes. If not paid immediately, a lawsuit
will be filed against you.”
• Romance / New Friend: “I want to meet you in person, but I can’t afford to travel. Can
you send me money?”
• Family Emergency: “Grandma, I’m in trouble – I need money fast.”
• Lottery Winnings: “Congratulations! You’ve won the lottery! We will need to collect taxes
prior to your payment.”
• Investment Opportunity: “This is a once-in-a-lifetime opportunity with a big payout!”
• Tech Support: “We’ve detected malware on your computer. Let’s get that fixed for you
for a small fee.”

2. Service

The following types of funds transfers, when completed using our Online Services or Mobile
Services, are governed by this Addendum:

a. Domestic Funds Transfer: A funds transfer sent to a bank within the United States,
including its territories.
b. International Funds Transfer: A funds transfer sent in either U.S. or foreign
currencies, including using our Chase Global Transfer service, to a bank outside the
United States.
• Consumer International Funds Transfer: A funds transfer that is sent by a
natural person in the United States to transfer funds to a beneficiary in a foreign
country for personal, family, or household purposes.
 By accepting and using FTS you agree to these terms and conditions and authorize us to
provide you Domestic Funds Transfers or International Funds Transfers using our
Online Services or Mobile Services. All other payments or transfers available through
Online Services or Mobile Services are subject to terms and conditions separate from
this Addendum.

3. Security Procedures

These security procedures are only to help prevent unauthorized access to your account. You
must be an active Online Services and/or Mobile Services user with a valid user ID and
Password to use FTS. You should not discuss or disclose your online user ID and Password,
your one-time code, or any other information that we may use to confirm your identity with
any person regardless if they have access to your accounts.

You acknowledge that we offer funds transfer services in person at our branches that provide
a higher level of security for your accounts, and you can use this option instead. You
acknowledge the security procedures for FTS are a commercially reasonable method of
verifying your funds transfer. You are responsible for any funds transfer issued in your name
using these security procedures, whether or not you actually authorized the transfer. You are
required to activate FTS prior to using this service. Prior to scheduling a transfer, you must
establish a recipient and the financial institution that holds the recipient account. When you
use this service, you will authenticate with a username and password and may, from time to
time, be asked to complete additional authentication steps like security questions, one-time
codes, and other methods of authentication.

We may impose stricter security procedures for any particular funds transfer you make under
this service, but we have no obligation to do so. If we choose to impose the stricter security
procedures, we will not be liable to you for any delays or losses, and we will not be obligated
to impose such security procedures in the future.

4. Processing, Canceling, Delays and Notifications of Funds Transfers

a. Processing: We'll start processing your funds transfer the same Business Day if we
receive it and complete our security procedures before the cutoff times we establish. In
order to complete our processing before the cutoff times we establish, we need to finish
any secondary internal reviews and you must have available funds in the deposit
account you designated in your Instructions. We are not obligated to accept or process
funds transfers that exceed your daily limit, which may change over time. All of the
funds transfers sent from all your accounts within your user ID before the established
cutoff time for each Business Day will count towards your daily limit. If you need to
initiate a funds transfer in excess of your limit, visit any Chase branch.
b. Canceling: You have the right to cancel Consumer International Funds Transfers at no
cost to you within thirty (30) minutes after you have authorized us to send it. Please see
the section Consumer International Funds Transfers for more information on canceling
Consumer International Funds Transfers. For all other funds transfers, once you have
submitted a funds transfer for the current Business Day, you cannot cancel it after we’ve
begun processing, but you may request us to attempt to return the funds to you. If the
 recipient’s bank agrees, your funds may be returned to you, but likely not the full
amount that was originally sent. We will not automatically cancel your funds transfer
due to the transfer being delayed by more than five business days; if we do cancel your
funds transfer we’ll notify you.
c. Modifying: Once a funds transfer has begun processing, we will not be able to change
any type of funds transfer requests unless the recipient’s bank agrees. If the recipient’s
bank declines to change the funds transfer request, you will be responsible for the
transfer you initially requested.
d. Internal Review: All scheduled funds transfer requests are subject to an internal review,
which includes the recipient, and may not be approved. In addition, we may need to
contact you to verify information about your funds transfer during that internal
review. During our internal review, we may subtract funds from your account or place a
hold on your account and it may result in processing delays. Once we have released the
funds transfer, the recipient’s bank may delay credit to the recipient due to their own
internal review processes.
e. Notifications: We will send you an email notification on the status of your funds transfer.
It will be sent to an email address you have provided. We may also notify you verbally of
the status of your funds transfer, but we are not required to do so. If you do not have an
email address on file, if the email is returned undeliverable, or we are unable to send an
email due to system failures or outages beyond our reasonable control, it is your
responsibility to monitor your account for the status of your funds transfer. You may
use chase.com, Chase Mobile or contact us for the status of your funds transfer. These
notification methods are deemed to be commercially reasonable. Any other information
we may provide upon successfully scheduling a funds transfer is only an indication that
we’ve received your request and not an indication that we’ve accepted your funds
transfer.

5. Identifying Number

We or any other bank involved in the funds transfer will complete your funds transfer request
using the account number or bank identification number you provide, even if the numbers do
not match the recipient’s or bank’s name. If you provided us an incorrect account number for
the recipient or an incorrect routing or identification number for the recipient’s bank, you
could lose the amount of the transfer.

6. Repeating and Future Dated Funds Transfers

You may request a future dated (one-time) or repeating funds transfer to an established
recipient from your account, except for Consumer International Funds Transfers. It is your
responsibility to update or change any monthly payments details.

Repeating funds transfers will begin processing on the same calendar day that you
established it unless the calendar day is a non-Business Day, and then it will begin processing
on the prior Business Day.

You may cancel a future dated or repeating funds transfer before 11:59 p.m. ET (8:59 p.m.
Pacific Time) the calendar day before the funds transfer is scheduled to begin processing,
either via our Online Services, Mobile Services or by contacting us.

7. Foreign Exchange Transfer

It is our discretion in which foreign currencies we will send fund transfers, and these can
change at any time. If you send a funds transfer in a foreign currency, you authorize us
to subtract the amount from your account at the exchange rate we offered at the time you
requested it. The foreign exchange rates we use are determined by us in our sole discretion.

The exchange rate we use will include a spread and may include commissions or other costs
that we, our affiliates, or our vendors may charge in providing foreign currency exchange to
you. The exchange rate may vary among customers depending on your relationship, products
with us, or the type of transaction being conducted, the dollar amount, type of currency, and
the date and the time of the exchange. You should expect that these rates will be less
favorable than rates quoted online or in publications.

If you send a repeating or future dated funds transfer in a foreign currency, you authorize us
to deduct the amount from your account using the foreign exchange rate we offer on the
date we start processing your funds transfer and you agree you are not entering into a
foreign currency forward or futures contract with us.

If your initial request is returned, cancelled or changed, and if you request a new funds
transfer, the current exchange rate at the time of the new transaction will apply. If the funds
are returned or payment cannot be made for any reason, we will not be liable for more than
the amount of the funds transfer at our exchange rate at the time we return the funds to you,
less charges taken by any other bank involved in the funds transfer. However, if you
requested a Consumer International Funds Transfer additional rights may apply. If you cancel
a funds transfer request, other than a cancellation of a Consumer International Funds
Transfer within thirty (30) minutes after you authorized us to send it, and it causes a loss or
cost to us, we may subtract funds from your account to cover these losses.

If the funds transfer is not in the currency of the recipient’s account, the recipient’s bank or
another processing bank may reject the funds transfer or convert it. If converted, you agree
the funds transfer may be converted to a different currency at their exchange rate and may
subtract additional fees.

8. Fees and Payment Route

We may charge a fee when you use FTS based on your account agreement or fee schedule in
effect when the wire is sent from your account, or for business accounts, based on the terms
in effect when your next available account analysis is performed. We may use any funds
transfer system we believe reasonable to complete your request, regardless of any
instructions you might give us. If we also are the recipient’s bank, we may complete your
request using an internal transfer. You are responsible for all fees and taxes, including our
fees and any fees charged by other funds transfer systems or banks involved in the transfer.

9. Funds Transfer System Rules and Laws

The use of this service is subject to all applicable U.S. federal and state laws, regulations, rules
and funds transfer arrangements, including the respective state’s Uniform Commercial Code
Article 4A, as may be applicable, which, in the event of a conflict with this Agreement, will
govern. All of your funds transfers must comply with U.S. laws, including the regulations and
economic sanctions administered by the U.S. Treasury Department’s Office of Foreign Asset
Control and other applicable laws.

If you make a Consumer International Funds Transfer, it is also subject to additional federal
laws and regulations.

10. Failure to Perform; Limitation of Liability

We are only responsible for performing the services specified in this Agreement. Except as
otherwise agreed in writing, we are liable only for damages required to be paid as provided
under UCC 4A or, to the extent applicable Regulation E, subpart B. Except as required by
Regulation E, subpart B, as applicable, we will not be responsible for the acts or omissions of
any other person or entity, including but not limited to any processor, any country's central
bank, or any other financial institution, and no such person or entity will be deemed our
agent. We will not be liable for the failure or delay of any funds transfer or for failing to meet
other obligations in the Agreement because of circumstances or causes beyond our control,
including governmental, legal or regulatory restrictions or prohibitions, third party actions,
natural disasters, equipment or system failures, labor disputes, wars or riots IN NO EVENT
SHALL WE HAVE ANY LIABILITY FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE,
OR SPECIAL DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

11. Contact Us in the Event of an Error

We will not be responsible for any delays in payment or additional fees caused by your failure
to promptly notify us. You will exercise ordinary care to determine whether a funds transfer
request we accepted and subtracted from your account was either in error or not authorized.
Except for any Consumer International Funds Transfer, in the event of an error or
unauthorized funds transfer, you agree to notify us within 30 days after we mail a statement
reflecting the transfer or otherwise make such a statement available (for example, paperless
statements). You agree that we are entitled to retain payment for a funds transfer unless you
notify us within this 30-day period. For additional terms governing Consumer International
Funds Transfers, please see the section Consumer International Funds Transfers.

12. Consumer International Funds Transfers

a. This section contains additional terms applicable only to Consumer International Funds
Transfers. This section does not apply to any funds transfer request for delivery to a
beneficiary in the United States, to any funds transfer request initiated by a non-
consumer, or to any funds transfer request initiated by a consumer for any non-
personal, non-family, or non-household purposes. In the event of a conflict between a
provision in this section and a provision in the rest of this Agreement, or in the
agreement governing your funding account, the provision in this section will control with
 respect to Consumer International Funds Transfers.
b. Prior to sending a Consumer International Funds Transfer, we will provide you with
certain important disclosures regarding your transaction including, to the extent
applicable: the amount that will be transferred to the beneficiary, the amount and
description of any fees and taxes imposed by us, the total amount of the transaction,
the exchange rate to be used if applicable, the amount of currency to be transferred,
the amount and description of any fees imposed by intermediaries or our agents, and
the amount that will be received by the beneficiary. In addition to the items above you
will also be provided the date the funds are to be made available to the beneficiary,
error resolution and cancellation right information and other disclosures. This will be
provided either at the time you authorize the funds transfer or on a receipt provided
after you've authorized your transaction.
c. Except as otherwise agreed in writing, we are liable only for damages required to be
paid as provided under Regulation E, subpart B or, to the extent applicable, UCC 4A.
Except as required by Regulation E, subpart B, we will not be responsible for the acts or
omissions of any other person or entity, including but not limited to any processor, any
country's central bank, or any other financial institution, and no such person or entity
will be deemed our agent. We will not be liable for the failure or delay of any funds
transfer or for failing to meet other obligations in the Agreement because of
circumstances or causes beyond our control, including governmental, legal or regulatory
restrictions or prohibitions, third party actions, natural disasters, equipment or system
failures, labor disputes, wars or riots. IN NO EVENT SHALL WE HAVE ANY LIABILITY FOR
ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR SPECIAL DAMAGES, EVEN
IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
d. You have the right to cancel Consumer International Funds Transfers at no cost to you
within 30 minutes after you have authorized us to send it. Please refer to the disclosure
we provided to you at the time you authorized the Consumer International Funds
Transfer on how to cancel.
e. If you think there has been an error or problem with your Consumer International
Funds Transfer, call us at 1-888-434-3030, visit a Chase branch, or send an account
inquiry via Secure Message Center on chase.com. You must contact us within 180 days
of the date we disclosed to you that funds would be made available to the recipient.
When you do, please tell us:
• Your name and address;
• The error or problem with the transfer, and why you believe it is an error or
problem;
• The name of the recipient, and if you know it, their telephone number or address;
• The dollar amount of the transfer; or
• The confirmation code or number of the transaction

We will determine whether an error occurred within 90 days after you contact us and we will
correct any error promptly. We will tell you the results within three business days after
completing our investigation and will advise you of any remedies that may be available to
you. If no response is received, we will refund your account for the applicable remedies. If we
decide that there was no error, we will send you a written explanation. You may ask for
copies of any documents we used in our investigation.
13. How to contact us

In case of errors or questions about your funds transfers please contacts using the online
message center or as follows:

Main Phone Number: 877-242-7372

International Calls: 713-262-3300

Deaf and Hard of We accept operator

Hearing: relay calls

Written Correspondence: Online Customer

Service
PO Box 2558
Houston, TX 77252-
9968

Addendum:
PayPal Provisioning Platform Terms
Last updated: 10/04/2021

This Addendum contains the PayPal Provisioning Platform Terms (“Terms”) that govern your
provisioning of any eligible Card (each, a “Chase P3 Card") for use on the PayPal Provisioning
Platform (“P3”). When we use the word “merchant” in this Addendum, it also includes
retailers.

1. Service Description

P3: (a) allows the electronic storing of your Chase P3 Card information, which we sometimes
refer to as adding a Chase P3 Card to or provisioning a Chase P3 Card for use with P3, (b)
allows you to use such stored, eligible Chase P3 Cards to enter into transactions with
merchants using P3, and (c) allows other services that are described in these Terms or that
we may offer from time to time. You may add or provision any or all your eligible Chase P3
Cards (e.g., those you have now and those you obtain or open in the future) onto P3, and you
may also remove them, as described below. Each Chase P3 Card may be used as the payment
source for your P3 transactions with merchants. When you add one or more Chase P3 Cards
onto P3, you may select any one of them to be the default card. When you use P3, you
request us to provide the merchant, the applicable payment network (such as Visa), PayPal,
and others (such as a payment processing entity or a token service provider) your selected
Chase P3 Card information, including the full account number, and other information that’s
associated with the selected Chase P3 Card, to allow your transaction to be completed and/or
to facilitate your participation in customer benefit programs such as loyalty and rewards
programs to the extent maintained by us or those third parties. Transactions conducted using
a Chase P3 Card are subject to the same rights and obligations as stated in the applicable
cardmember agreement or account agreement that governs the Chase P3 Card.

2. P3 Information

You agree that any information you provide to us to use P3 will be complete and accurate.
You will keep any passwords, PINs and/or user IDs that enable you to access P3 (“P3
Credentials”) confidential. If you disclose your P3 Credentials to any person(s) or entity, you
are authorizing that person or entity to transact on your behalf as if they were an authorized
user of your Chase P3 Cards, and you assume all risks and losses associated with such
disclosure. If you permit any other person(s) or entity to access or use your P3 Credentials,
you are authorizing any transactions and activities performed by them. Notify us immediately
if any of your P3 Credentials is lost, stolen, forgotten, or compromised.

3. Transaction History

You agree and acknowledge that the transaction history for P3 solely represents our
authorization of your P3 transactions and may not reflect any post-authorization activity,
including clearing, settlement, foreign currency exchange, reversals, returns or chargebacks.
Accordingly, the purchase amount, currency, and other details for your P3 transaction history
in connection with use of your Chase P3 Card may be preliminary and may not match the
transaction amount that ultimately clears, settles, and posts to your Chase P3 Card’s billing or
monthly statement.

4. Eligibility and Removal of Chase P3 Cards

Only Chase P3 Cards that we determine are eligible can be added to or provisioned for use
with P3. If your credit card, debit card, prepaid card, or other card or underlying account is
not in good standing, that credit card, debit card, prepaid card, or other card will not be
eligible to be added to or provisioned for use with P3. We may determine other eligibility
criteria in our sole discretion. We can also remove your Chase P3 Card from P3 at any time, or
otherwise block, restrict or suspend your access to or use of any Chase P3 Card or P3 at any
time and for any reason. These reasons may include, but are not limited to, suspected fraud
or illegal activity or unauthorized or improper conduct. You can also remove one or more of
your Chase P3 Cards from P3 at any time through chase.com, the Chase Mobile® app,
paypal.com, or PayPal’s app.

5. Your Chase P3 Card Terms Do Not Change

When a Chase P3 Card is added or provisioned onto P3, the terms and the agreement that
govern your Chase P3 Card do not change. The applicable cardmember agreement or
account agreement that governs the Chase P3 Card, as amended from time to time, is
incorporated by reference as part of these Terms. Please review those agreements, as
applicable, for important information on your rights and responsibilities when making
purchases through P3. P3 provides another way for you to make purchases or other
transactions with the Chase P3 Card. P3 may also allow you to access certain features of a
Chase P3 Card, or the rewards programs associated with that Chase P3 Card, such as the
ability to pay with points. For avoidance of doubt, in that case, these Terms, the cardmember
agreement or account agreement that governs the Chase P3 Card, and any rewards program
agreement, will apply. For the avoidance of doubt, in that case, these Terms cover only those
elements not governed by the cardmember agreement or account agreement that governs
the Chase P3 Card, and any rewards program agreement.

6. J.P. Morgan Chase Is Not Responsible for Third Parties

Using P3 may depend on your relationship with other third parties. We are not responsible
for any aspect of those relationships, or for the performance or non-performance of these
third parties. Our role is limited to providing information to a merchant, the applicable
payment network (such as Visa), PayPal, and/or others (such as a payment processing entity
or a token service provider) to allow that party to honor your Chase P3 Card and/or to
facilitate customer participation in customer benefit programs such as loyalty and rewards
programs to the extent maintained by those third parties. Transactions between you and a
merchant are governed by the merchant’s terms and conditions.

7. Access and License

You may not, and will not allow or cause any third party to do the following: (a) use P3 in
connection with any fraudulent or illegal conduct, transaction or business, as determined by
us in our sole discretion; or (b) act as a payment intermediary, aggregator or service bureau
yourself or on behalf of any third party, including, without limitation, handling, processing or
transmitting funds for any third party.

8. Merchant Offers

Through your enrollment in P3 or required Systems, you may be presented with certain
discounts, rebates or other benefits and offers (“Offers”) from merchants that may be of
interest to you. In order to use these Offers, you may be required to register with the
merchant or service provider, which may include providing personal information and
agreeing to additional terms of use. Offers from merchants may not always be available and
may change without notice. We, or any merchant, may provide you with additional terms,
conditions or disclosures related to these Offers. We will not be liable for any loss or damage
as a result of any interaction between you and a merchant with respect to such Offers.
Subject to applicable law and your cardmember agreement or the account agreement that
governs your Chase P3 Card, all matters related to these Offers, including delivery of goods
and services, returns, and warranties, are solely between you and the applicable merchants.
You acknowledge that we do not endorse or warrant the merchants that are accessible
through P3 or the Offers that they provide.

9. Privacy

Your privacy and the security of your information are important to us. Our online privacy
policy and, where appropriate, our U.S. consumer privacy notice, as amended from time to
time (available online at chase.com), applies to your use of P3 and your Chase P3 Card. You
agree that we may collect, use and share your personal information in accordance with each
of the online privacy policy and the U.S. consumer privacy notice, and to provide the services
you have requested, including to add or include your Chase P3 Card and to maintain P3. Our
sharing of your information may include providing a merchant, the applicable payment
network (such as Visa), a Third Party Wallet provider, PayPal, and others (such as a payment
processing entity or a token service provider) your name, full account number, card
expiration date, email address, phone number, billing address, and shipping address as
required to complete a purchase using P3, and/or to facilitate customer participation in
customer benefit programs such as loyalty and rewards programs to the extent maintained
by those third parties. We can also share your information in order to make information
available to you about your Chase P3 Card transactions, and to improve our ability to offer
these services. Once we share your information with a merchant, Third Party Wallet provider,
PayPal, or such other third party, you agree that the merchant or such other third party, and
not J.P. Morgan Chase, is responsible for the security and use of your information, and that
your data will be subject to their privacy policies. You acknowledge that the use and
disclosure of any personal information provided by you directly to the payment network
(such as Visa) or other third parties will be governed by such party’s privacy policy and not our
online privacy policy or privacy notice.

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reverso de tu tarjeta.

Credit and debit card products are provided by JPMorgan Chase Bank, N.A. Member FDIC

Addendum:
Personal Financial Management Service
Last updated: 10/04/2021

This Addendum governs your use of the service that allows you to use PFM Software to
access the Services to make Bill Payments and Transfers, and access account information
such as balance and transaction history (the “PFM Service” or for purposes of this
Addendum, the “Service”).

1. The PFM Service

The PFM Service allows you to: use PFM Software; access the Services to make Bill Payments
and Transfers; and access account information, such as balance and transaction history.

The Digital Platforms utilize current releases of Quicken®, QuickBooks® and TurboTax, as
may be made available from time to time from the respective software manufacturer. You
are responsible for obtaining and maintaining any PFM Software that is required for
operation of the PFM Service.

To activate the PFM Service you must have a checking, asset management, or credit card
account with us. Some services and functionality that may be available directly through the
Digital Platforms may not be available via your PFM Software.

Information about your account activity is synchronized with your PFM Software. You may
access such information directly through the Digital Platforms, including information about
Bill Payments and Transfers initiated through your PFM Software. Transfer and Bill Payment
information via your PFM Software may differ from the information that is available directly
through the Digital Platforms, may be described using different terminology, or may be less
current than the information available via the Digital Platforms. The method of entering
Instructions via your PFM Software may also differ from the method of entering Instructions
directly through the Digital Platforms. We are not responsible for such differences, whether
or not attributable to your use of PFM Software.

The following Bill Payment or Transfer services or features are not available via PFM Software:

• Transfers to or from Investment Accounts;

• External Transfers; and
• Future Dated and Repeating Transfers.

Depending on your PFM Software, you may not be able to enter Repeating Bill Payment
Instructions via your software.

2. PFM Service Fees

Generally, when you use PFM Software to access your accounts through the PFM Service, a
fee may be charged by the PFM Software providers for the use of such software, and
additional terms and conditions may apply.

Consumer Accounts: There is no monthly service fee for customers who subscribe to the PFM
Service (the “PFM Service Fee”) and use the PFM Service for their Consumer Accounts.

Business Accounts: The PFM Service Fee for customers who use the PFM Service for their
Business Accounts is $9.95 each month. You authorize us to deduct this PFM Service Fee each
month from the eligible Business checking account or asset management account you
designate as your Primary Account. If there are insufficient funds in your Primary Account,
you authorize us to charge any other account of yours with us in order to pay such fees and
charges. The PFM Service Fee is in addition to any regular transaction fees that may be in
effect for your Business Account(s).

3. Cancellation of your PFM Service

You can cancel the PFM Service by calling 1-877-226-0071. When you call us, we may also
require you to put your request in writing. You should cancel any Pending Bill Payments prior
to canceling the PFM Service. When you cancel the PFM Service, you will no longer be able to
access any of your PFM Service features via your PFM Software. Fees applicable to the PFM
Service will continue to apply until you cancel the PFM Service. You will not receive a refund of
any PFM Service Fee if your PFM Service is cancelled.
 Addendum:
Real-Time Payments Service
Last updated: 10/04/2021

This Addendum governs your use of the service that allows you to send or receive payments
to other Persons (the “Real-Time Payments Service” or for purposes of this Addendum, the
“Service”). By sending payments or receiving payments through the Real-Time Payments
Service, you agree that you accept and will comply with the terms and conditions set forth in
this Agreement. If you wish to return a payment received through the Real-Time Payments
Service, you must contact us at 877-CHASEPC (877-242-7372) (J.P. Morgan Online clients only,
call 877-840-0723). For Consumer Accounts, please see your deposit account agreement for
important information about your rights and obligations regarding liability for activity on your
account.

1. About the Real-Time Payments Service

The Real-Time Payments Service enables you to send payments to and receive payments
from Persons that bank with a financial institution that participates in the Real-Time
Payments System, including JPMC (each a “Service Participant”), which includes the ability to
send payments to your accounts with other Service Participants. In addition, if enabled by us,
you can use the Real-Time Payments Service to receive requests for payment from Persons
that bank with Service Participants and to send requests for payment to Persons that bank
with Service Participants. The Real-Time Payments service also includes “Real-Time
Payments Service for Vendors and Employees”, which is a service that allows you to send
payments to your vendors and/or employees, but only if you have a Business Account and
are enrolled in ACH Payments Services.

2. Sending Funds

You may initiate a payment from a Sender to a Receiver through the Real-Time Payments
Service (a “Service Transfer”) by submitting a request (a “Service Transfer Request”)
through Chase Online, Chase Mobile®, Chase Business Online, J.P. Morgan Online, J.P.
Morgan Mobile, or such other Digital Platforms as we may make available from time to time.
When you submit a Service Transfer Request, you will be required to provide Receiver
Addressing Information for the Receiver and the amount of funds that the Sender directs the
Sending Financial Institution to transfer to the Receiver (the “Service Transfer Amount”). By
submitting a Service Transfer Request, you represent and warrant that the Service Transfer
complies with these Terms.

By submitting a Service Transfer Request, you irrevocably and unconditionally authorize us to

deduct the Payment Amount from your account. We may deduct this amount immediately
upon receipt of your submission of the Service Transfer Request. For purposes of this
Addendum, “Payment Amount” refers to the Service Transfer Amount plus any fees payable
by you to us in conjunction with the applicable Service Transfer.
You may not send through the Real-Time Payments Service more than: (a) $5,000.00 in a
single transaction, $10,000.00 in one day, or $50,000.00 in one month from a Consumer
Account; (b) $25,000.00 in a single transaction or your currently applicable daily transfers
limit (with no monthly limit) from a Business Account; or (c) $10,000.00 in a single
transaction or $20,000.00 in one day (with no monthly limit) from a Private Banking
Account. We may establish lower transaction limits for you and may block any attempted
Service Transfer that exceeds the limit(s). We may adjust the limits at any time in our sole
discretion. We will notify you of such adjustments.

3. Risks Associated with the Real-Time Payments Service

There are risks associated with using the Real-Time Payments Service. Service Transfers are
irrevocable and cannot be reversed. You should only use the Real-Time Payments Service to
make payments to Persons that you know. If you receive a request for payment through the
Real-Time Payments Service, you should verify that the request relates to a payment you
were expecting to make to the Person who requested payment. If a request for payment that
you receive through the Real-Time Payments Service does not relate to a payment you were
expecting to make to the Person who requested payment, please notify us at 877-CHASEPC
(877-242-7372) (J.P. Morgan Online clients only, call 877-840-0723). If a Person contacts you
outside of the Real-Time Payments Service and asks for payment, you should verify the
identity, legitimacy and contact information of the requestor and the amount of the payment
prior to submitting a Service Transfer Request. If you send payment to a Person that you
do not know, or you do not verify the identity and legitimacy of Persons who contact
you and ask for payment, you may lose the full amount of your payment.

We do not provide buyer protection with respect to Service Transfers. That means that you
cannot reverse or dispute a Service Transfer on the basis that you are dissatisfied with the
goods or services provided by the Receiver; because the Receiver has failed to deliver goods
or perform services, whether at all or in a timely manner; or because you wish to return
purchased goods or cancel a pre-paid service.

The Real-Time Payments Service does enable you to request that a Receiver return funds to
you, but the Receiver is not obligated to return the funds. This includes circumstances in
which the incorrect amount of funds was transferred because you entered the incorrect
Service Transfer Amount or funds were sent to someone other than your intended Receiver
because you incorrectly entered the Receiver Addressing Information or the Receiver
Addressing Information you entered was associated with someone other than your intended
Receiver. If you wish to request that a Receiver return funds that you sent through the Real-
Time Payments Service (a “Return Request”), please notify us at 877-CHASEPC (877-242-
7372) (J.P. Morgan Online clients only, call 877-840-0723). Our sole obligation is to transmit
the Return Request to the Receiving Financial Institution through the Real-Time Payments
Service. We cannot guarantee that funds will be returned in whole or in part and shall have
no obligation to make any effort to recover such funds beyond the transmission of the Return
Request. For purposes of this Addendum, “Receiving Financial Institution” refers to us,
when you are the Receiver, and the Receiver’s financial institution, when you are the Sender.

Any dispute between you and a Receiver must be resolved directly between you and the
Receiver. We have no responsibility for, and shall not be liable to you in connection with, any
dispute between you and a Receiver.

By submitting a Service Transfer Request, you irrevocably and unconditionally authorize us to

initiate a payment using the Receiver Addressing Information. Based on information available
to us, we will provide you the Receiver name associated with the Receiver Addressing
Information. HOWEVER, WE MAKE NO REPRESENTATION THAT THE INFORMATION
AVAILABLE TO US IS CORRECT, AND YOU ARE RESPONSIBLE FOR VERIFYING THAT THE
RECEIVER ADDRESSING INFORMATION IS ACCURATE AND COMPLETE, THAT SUCH
INFORMATION IS ASSOCIATED WITH YOUR INTENDED RECEIVER, AND THAT THE
AMOUNT OF THE PAYMENT IS CORRECT PRIOR TO SUBMITTING A SERVICE TRANSFER
REQUEST. YOU ACKNOWLEDGE AND AGREE THAT WE HAVE NO OBLIGATION TO VERIFY
THE ACCURACY OR COMPLETENESS OF THE RECEIVER ADDRESSING INFORMATION OR
THAT THE RECEIVER ADDRESSING INFORMATION IS ASSOCIATED WITH YOUR INTENDED
RECEIVER. EXCEPT AS OTHERWISE REQUIRED BY STATE OR FEDERAL LAW, OUR SOLE
OBLIGATION SHALL BE TO INITIATE A PAYMENT THROUGH THE REAL-TIME PAYMENTS
SERVICE IN THE SERVICE TRANSFER AMOUNT INDICATED BY YOU USING THE RECEIVER
ADDRESSING INFORMATION PROVIDED BY YOU. EXCEPT AS OTHERWISE REQUIRED BY
STATE OR FEDERAL LAW, WE SHALL HAVE NO LIABILITY TO YOU WITH RESPECT TO ANY
LOSS THAT YOU EXPERIENCE DUE TO THE INACCURACY OR INCOMPLETENESS OF SUCH
RECEIVER ADDRESSING INFORMATION, THE FAILURE OF SUCH INFORMATION TO BE
ASSOCIATED WITH YOUR INTENDED RECEIVER, OR YOUR FAILURE TO CORRECTLY ENTER
THE RECEIVER ADDRESSING INFORMATION OR THE SERVICE TRANSFER AMOUNT.

4. Receiving Payments

You are not obligated to accept a payment that is sent to you through the Real-Time
Payments Service. If you wish to reject a payment sent to you through the Real-Time
Payments Service, please contact us at 877-CHASEPC (877-242-7372) (J.P. Morgan Online
clients only, call 877-840-0723).

A Sender may request a return of funds sent through the Real-Time Payments Service. If we
receive a return request, we will contact you.

Incoming payments to you through the Real-Time Payments Service, including those made in
response to a request for payment, cannot exceed 100,000.00 per transfer. If you are
expecting a Service Transfer, it is your responsibility to advise the Sender of this
limit. Additionally, we may set a transaction limit for outgoing payments you make using the
Real-Time Payments Service in connection with a request for payment, in which case we will
provide you with notice of the amount of such limit. Any such transaction limit may change
from time to time. If you receive a request for payment that exceeds the transaction limit, you
may make a partial payment up to the transaction limit, subject to any limitations or
restrictions on receipt of payment by the Receiver.

5. Fees

Except as set forth below, we do not charge a fee to use the Real-Time Payments Service.
The fee for sending a payment using Real-Time Payments Service for Vendors and Employees
will be the lesser of $25 or 1% of the total Payment Amount; provided, however, that this
amount may vary if you are also a Private Banking customer.

6. Requests for Payment

If enabled, you may use the Real-Time Payments Service to submit requests for payment, or
make payments in response to requests for payment, subject to the following terms:

• You may only submit requests for payment, or make payments in response to requests
for payment, to Persons who: (a) are known to you; and (b) would reasonably expect to
receive a request for payment, or receive a payment in response to a request for
payment, from you.
• By submitting a request for payment or making a payment in response to a request for
payment, you represent and warrant that the requestor payment is not for a Prohibited
Payment (as defined below) and is not fraudulent, abusive, or unlawful.
• You acknowledge and agree that we do not guarantee that the Sender will send
payment, in whole or in part, in response to or otherwise accept your request for
payment.
• You acknowledge and agree that our enabling the use of the Real-Time Payments
Service to receive requests for payment or to make payments in response to requests
for payment does not require us to provide for or guarantee delivery of a request for
payment or payment in response to a request for payment to any and all Persons.
• Any dispute between you and a Sender must be resolved directly between you and the
Sender. We have no responsibility for, and shall not be liable to you in connection
with, any dispute between you and a Sender.
• You acknowledge and agree that your use of the Real-Time Payments Service to receive
requests for payment or to make payments in response to requests for payment may
be subject to eligibility requirements, and we may suspend or terminate your ability to
submitor receive requests for payment or your access to the Real-Time Payments
Service in the event that we reasonably suspect you have failed to comply with this
Agreement.

7. Failed Service Transfers

A Service Transfer may fail if:

• there are insufficient funds available in the Sender’s account when the Sender submits
the Service Transfer Request;
• the Sending Institution or Receiving Institution suspects or determines that the Service
transfer does not comply with these terms or the rules of the real-time transfer system
that is accessed through the Real-Time Payments Service;
• the Receiver rejects the Service Transfer or has declined to receive Service Transfers;
• the Service Transfer Request exceeds the Sender’s limit(s);
• the Receiver’s account at the Receiving Institution is closed, invalid, ineligible to receive
Service Transfers, or being monitored for suspected fraudulent or other illegal activity;
• the Sender’s account at the Sending Institution is being monitored for suspected
 fraudulent or other illegal activity;
• the Sending Institution or Receiving Institution otherwise declines to process the Service
Transfer for risk-management, legal, or regulatory reasons; or
• the Real-Time Payments Service is unavailable.

In addition, completion of a Service Transfer may be delayed if the Service Transfer is subject
to review by the Sending Institution or Receiving Institution for fraud, regulatory or
compliance purposes. Service Transfer Requests are typically completed within fifteen (15)
seconds of transmission of the Service Transfer Request by the Sender, unless the Service
Transfer fails or is delayed as described above.

If you are the Sender, we will notify you if a Service Transfer fails. If you are the Receiver, we
will not communicate to you that the Service Transfer has failed. If you have not received a
Service Transfer that you were expecting, you must contact the Sender.

8. Availability of Funds

Funds transferred through the Real-Time Payments Service will be credited to the Receiver’s
account by the Receiving Institution immediately upon completion of the Service Transfer
Request, and will be available for withdrawal by the Receiver immediately. Except as
otherwise set forth in this Agreement, funds are available immediately 24 hours per day, 7
days per week, including weekends and state and federal holidays.

9. Prohibited Payments

You agree that you shall not use the Real-Time Payments Service to make or receive any of
the following types of payments (each, a “Prohibited Payment”): (a) payments that violate or
appear to violate any local, state, or federal law or regulation; (b) payments to accounts
domiciled outside the United States; (c) payments transmitted solely for the purpose of
determining whether the Receiver Addressing Information is valid (a “Test Payment”),
provided, that you may conduct a Test Payment if you have a bona fide need to do so in order
to determine the validity of Receiver Addressing Information provided to you by a Receiver
that wishes to receive a payment from you; or (d) any other payment that violates this
Agreement.

You acknowledge that you are permitted to use the Real-Time Payments Service solely for the
purpose of making or receiving payments: (a) on your own behalf; or (b) on behalf of Persons
that are resident of or domiciled in the United States of America. If you make or receive
payments on behalf of another Person, you must comply with all applicable laws, rules, and
regulations in conjunction with such payments, including all regulations of the Office of
Foreign Assets Control. You acknowledge that any payment that violates the foregoing
restrictions is a Prohibited Payment.

Addendum:
Terms for Adding Payment Information to Businesses
Last updated: 10/04/2021

This Addendum contains the terms for adding payment information to businesses (these
“Terms”) that apply when you choose to add a Card as a digital payment method for a
merchant or business you select (“Business”). In these Terms, "you" and "your" refer to the
cardholder of the Chase Card, and "we," "us," "our," and "J.P. Morgan Chase" refer to the
issuer of your Card, JPMorgan Chase Bank, N.A. When you add a Card to a Business, you
agree to these Terms:

1. Adding Your Chase Card

A Business you transact with may offer you the ability to digitally store your Card information
with them to facilitate making future payments to that Business with your Card, in a process
known as “card-on-file”. Through the Service, you can add an eligible Card as a saved digital
payment method to a Business by following our instructions as they appear on a J.P.
Morgan Chase proprietary platform (e.g., Chase Mobile® app or chase.com) (for purposes of
this Addendum, the “Service”). To add a Card, you must select the Business for which you
want to add your Card. You will then be asked to enter your log-in credentials (e.g., username,
password) with our service provider, a third party who we are working with to bring you the
Service, for the Business that you selected to add your Card, at which point our service
provider will log in as you with the Business to share your Card information, including your
account number, in secure and encrypted format to the Business so that your Card will
become a “card-on-file” and may be used as the default payment method for that Business.
You may change your default payment method for that Business at any time thereafter.

Only Cards that we determine are eligible can be added to a Business. For example, if your
Card is not in good standing, that Card will not be eligible to be added to a Business. We may
determine other eligibility criteria in our sole discretion. When you add a Card to a Business,
the Business may allow you to (a) use the Card to (i) enable transfers of money between you
and others who are enrolled with the Business or a partner of such Business, and/or (ii) enter
into transactions with the Business, including the ability to use the Card to complete
transactions at participating physical locations or e-commerce locations of the Business; and
(b) use other services that are described in the Business’s agreement or that they may offer
from time to time. We reserve the right to terminate our participation with a Business at any
time and the right to designate a maximum number of Cards that may be added to a
Business.

2. Your Card Terms Do Not Change

The terms and agreement that govern your Card do not change when you add your Card to a
Business. The applicable cardmember agreement or account agreement that governs the
Card, as amended from time to time, is incorporated by reference as part of these Terms.
Please review those agreements, as applicable, for important information on your rights and
responsibilities when making transactions with a Business. This feature simply provides
another way for you to make purchases or other transactions with the Card.
3. Applicable Fees

Any applicable interest, fees, and charges that apply to your Card or underlying account will
also apply when you use your Card with a Business. J.P. Morgan Chase does not charge you
any additional fees for adding your Card to a Business. The Business and other third parties
such as wireless companies or data service providers may charge you fees. You are solely
responsible for reporting and paying any applicable taxes arising from transactions
originated using your Card information with a Business and you shall comply with any and all
applicable tax laws in connection therewith.

4. J.P. Morgan Chase Is Not Responsible for the Business

J.P. Morgan Chase is not the provider of any products or services of the Business, and we are
not responsible for providing any products or services of the Business to you. We are only
responsible for supplying information securely to the Business to allow usage of the Card
with the Business. We are not responsible for any acts, omissions, or failure of the Business,
or for any errors or delays caused by the Business resulting in your inability to use a Card for
any transaction.

We are not responsible for the performance or non-performance of a Business or any other
third parties regarding any agreement you enter into with a Business or associated third-
party relationships that may impact your use of this feature.

5. Transaction History

You agree and acknowledge that any transaction history displayed by the Business solely
represents our authorization of your Card transaction and may not reflect complete
information about the transaction, nor any post-authorization activity, including but not
limited to clearing, settlement, foreign currency exchange, reversals, returns or chargebacks.
Accordingly, the purchase amount, currency, and other details for the Business's transaction
history in connection with use of your Card may be preliminary and/or incomplete, and may
not match the transaction amount that ultimately clears, settles, and posts to your Card’s
billing or monthly statement, which shall be deemed the prevailing document.

6. Removing Your Card from a Business

You can remove your Card from a Business at any time by following the instructions provided
by the Business. We can also block a Card from certain transactions or purchases with a
Business at any time.

7. Ending or Changing these Terms

Your use of a Card with a Business after we have made changes to these Terms available will
be considered your agreement to the changes. We will provide notice of changes if required
by law. Furthermore, subject to applicable law, at any time we may: (a) terminate your use of
any Chase Card in connection with a Business; (b) modify or suspend the type or dollar
amounts of transactions allowed using Cards in connection with a Business; (c) change a
Chase Card's eligibility for use with a Business; and/or (d) change the Card authentication
process. You can terminate these Terms at any time by removing all Cards from all
Businesses.

8. Privacy

Your privacy and the security of your information are important to us. Our online privacy
policy and, where appropriate, our U.S. consumer privacy notice, as amended from time to
time (available online at chase.com), applies to your use of this feature and your Card. You
agree that we may collect, use and share your personal information in accordance with each
of the online privacy policy and the U.S. consumer privacy notice, and to provide the services
you have requested, including to add or include your Card as a digital payment method with a
Business and to maintain this feature. Our sharing of your information may include providing
a Business, the applicable payment network (such as Visa), and others (such as a payment
processing entity or a token service provider) your name, card number, card expiration date,
email address, phone number, billing address, and shipping address as required to use this
feature. We can also share your information in order to make information available to you
about your Card transactions, and to improve our ability to offer new services. Once we share
your information with a Business or other third party, you agree that the Business or other
such third party, and not J.P. Morgan Chase, is responsible for the security and use of your
information, and that your data will be subject to their privacy policies. You acknowledge that
the use and disclosure of any personal information provided by you directly to the payment
network (such as Visa) or other third parties will be governed by such party’s privacy policy
and not our online privacy policy or privacy notice.

9. Limitation of Liability; No Warranties

WE ARE NOT AND SHALL NOT BE LIABLE FOR ANY LOSS, DAMAGE OR INJURY OR FOR ANY
DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES,
INCLUDING LOST PROFITS, ARISING FROM OR RELATED TO YOUR ADDING A CARD TO A
BUSINESS, OR YOUR ACCESS OR USE OF A CARD WITH A BUSINESS. TO THE FULLEST EXTENT
PERMITTED BY LAW, WE DISCLAIM ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS
OF ANY KIND (EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED
TO THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE,
TITLE AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS) AS TO ANY AND ALL BUSINESSES
AND ALL INFORMATION, PRODUCTS, SERVICES, AND OTHER CONTENT INCLUDED IN OR
PROVIDED BY THE BUSINESSES.

10. Questions

If you have any questions, disputes, or complaints about a Business, contact the Business
using the information given to you by the Business. If your question, dispute, or complaint is
about your Card, then contact us at 888-364-7250.

Esta página contiene información acerca del uso de tu tarjeta Chase Visa y Mastercard® en
billeteras digitales. Si tienes alguna pregunta, por favor, llama al número que aparece en el
reverso de tu tarjeta.

Credit and debit card products are provided by JPMorgan Chase Bank, N.A. Member FDIC

Addendum:

Terms for Adding Your Chase Card to a Third Party Digital

Wallet
Last updated:10/04/2021

This Addendum contains the terms for adding your Chase Card to a third party digital wallet.
These terms (the “Terms”) apply when you choose to add a Chase credit card, prepaid card or
debit card ("Chase Card") to a digital wallet or other payment service managed or owned by a
third party ("Wallet"). In these Terms, "you" and "your" refer to the cardholder of the Chase
Card, and "we," "us," "our," and "Chase" refer to the issuer of your Chase Card, JPMorgan
Chase Bank, N.A.

When you add a Chase Card to a Wallet, you agree to these Terms:

1. Adding Your Chase Card

You can add an eligible Chase Card to a Wallet by either following our instructions as they
appear on a Chase proprietary platform (e.g., Chase Mobile® app or chase.com) or by
following the instructions of the Wallet provider. Only Chase Cards that we determine are
eligible can be added to the Wallet. If your Chase Card or underlying account is not in good
standing, that Chase Card will not be eligible to be added to or enrolled in the Wallet. We may
determine other eligibility criteria in our sole discretion. When you add a Chase Card to a
Wallet, the Wallet may allow you to (a) use the Chase Card to (i) enable transfers of money
between you and others who are enrolled with the Wallet provider or a partner of such Wallet
provider, and/or (ii) enter into transactions where the Wallet is accepted, including the ability
to use the Chase Card to complete transactions at participating merchants' physical locations,
e-commerce locations, and at ATMs; and (b) use other services that are described in the
Wallet provider's agreement or that they may offer from time to time. The Wallet may not be
accepted at all places where your Chase Card is accepted. We reserve the right to terminate
our participation in a Wallet or with a Wallet provider at any time and the right to designate a
maximum number of Chase Cards that may be added to a Wallet.

2. Your Chase Card Terms Do Not Change

The terms and agreement that govern your Chase Card do not change when you add your
Chase Card to the Wallet. The applicable CardMember Agreement or account agreement that
governs the Chase Card, as amended from time to time, are incorporated by reference as
part of these Terms. Please review those agreements, as applicable, for important
information on your rights and responsibilities when making transactions through a Wallet.
The Wallet simply provides another way for you to make purchases or other transactions with
the Chase Card.

3. Applicable Fees

Any applicable interest, fees, and charges that apply to your Chase Card or underlying
account will also apply when you use a Wallet to access your Chase Card. Chase does not
charge you any additional fees for adding your Chase Card to the Wallet or using your Chase
Card in the Wallet. The Wallet provider and other third parties such as wireless companies or
data service providers may charge you fees. You are solely responsible for reporting and
paying any applicable taxes arising from transactions originated using your Chase Card
information transmitted by a Wallet and you shall comply with any and all applicable tax laws
in connection therewith

4. Chase Is Not Responsible for the Wallet

Chase is not the provider of the Wallet, and we are not responsible for providing the Wallet
service to you. We are only responsible for supplying information securely to the Wallet
provider to allow usage of the Chase Card in the Wallet. We are not responsible for any
failure of the Wallet, for any errors, delays caused by or the inability to use the Wallet for any
transaction. We are not responsible for the performance or non-performance of the Wallet
provider or any other third parties regarding any agreement you enter into with the Wallet
provider or associated third-party relationships that may impact your use of the Wallet.

5. Transaction History

You agree and acknowledge that the transaction history displayed in the Wallet solely
represents our authorization of your Wallet transaction and may not reflect complete
information about the transaction, nor any post-authorization activity, including but not
limited to clearing, settlement, foreign currency exchange, reversals, returns or chargebacks.
Accordingly, the purchase amount, currency, and other details for the Wallet provider's
transaction history in connection with use of your Card in the Wallet may be preliminary
and/or incomplete, and may not match the transaction amount that ultimately clears, settles,
and posts to your Card's billing or monthly statement, which shall be deemed the prevailing
document.

6. Contacting You Electronically and by Email or through Your Mobile

Device

You consent to receive electronic communications and disclosures from us in connection with
your Chase Card and the Wallet. You agree that we can contact you by email at any email
address you provide to us in connection with any Chase product, service or account, or
through the mobile device on which you have downloaded the Chase Mobile app. It may
include contact from companies working on our behalf to service your accounts. You agree to
update your contact information with us when it changes.
7. Removing Your Chase Card from the Wallet

You should contact the Wallet provider on how to remove a Chase Card from the Wallet. We
can also block a Chase Card in the Wallet from certain transactions or purchases at any time.

8. Governing Law and Disputes

These Terms are governed by federal law and, to the extent that state law applies, the laws of
the state that apply to the agreement under which your Chase Card is covered. Disputes
arising out of or relating to these Terms will be subject to any dispute resolution procedures
in your Chase Card agreement.

9. Ending or Changing these Terms; Assignments

We can terminate these Terms at any time. We can also change these Terms, or add or delete
any items in these Terms, at any time. Your use of a Chase Card in a Wallet after we have
made such changes available will be considered your agreement to the changes. We will
provide notice if required by law. We can also assign these Terms. Furthermore, subject to
applicable law, at any time we may (i) terminate your use of any Chase Card in connection
with a Wallet, (ii) modify or suspend the type or dollar amounts of transactions allowed using
Chase Cards in connection with a Wallet, (iii) change a Chase Card's eligibility for use with a
Wallet and/or (iv) change the Chase Card authentication process. You cannot change these
terms, but you can terminate these Terms at any time by removing all Chase Cards from the
Wallet. You may not assign these Terms.

10. Privacy

Your privacy and the security of your information are important to us. Our Online Privacy
Policy and, where appropriate, our U.S. Consumer Privacy Notice (available online at:
https://www.chase.com/), as amended from time to time, applies to your use of your Chase
Card in the Wallet. You may be provided with the ability to share your Chase Card number
with Wallet providers or a payment network, and you agree that we may share certain of your
other information with the Wallet providers, merchants, a payment network, and others in
order to provide the services you have requested, to make information available to you about
your Chase Card transactions, and to improve our ability to offer these services. This
information helps us to add your Chase Card to the Wallet and to maintain the Wallet. We do
not control the privacy and security of your information that may be held by the Wallet
provider and that is governed by the privacy policy given to you by the Wallet provider.

11. Notices

We can provide notices to you concerning these Terms and your use of a Chase Card in the
Wallet by posting the material on our website, through electronic notice given to any
electronic mailbox we maintain for you or to any other email address or telephone number
you provide to us, or by contacting you at the current address we have on file for you. You
may contact us at: 1-888-364-7250.
12. Limitation of Liability; No Warranties

WE ARE NOT AND SHALL NOT BE LIABLE FOR ANY LOSS, DAMAGE OR INJURY OR FOR ANY
DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES,
INCLUDING LOST PROFITS, ARISING FROM OR RELATED TO YOUR ADDING A CHASE CARD TO
A WALLET, OR YOUR ACCESS OR USE OF A WALLET. TO THE FULLEST EXTENT PERMITTED BY
LAW, WE DISCLAIM ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS OF ANY KIND
(EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE
WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE AND
NON-INFRINGEMENT OF PROPRIETARY RIGHTS) AS TO ANY AND ALL WALLETS AND ALL
INFORMATION, PRODUCTS AND OTHER CONTENT INCLUDED IN OR ACCESSIBLE FROM THE
WALLETS.

13. Questions

If you have any questions, disputes, or complaints about the Wallet, contact the Wallet
provider using the information given to you by the provider. If your question, dispute, or
complaint is about your Chase Card, then contact us at: 1-888-364-7250.

Esta página contiene información acerca del uso de su tarjeta Chase Visa® en billeteras
digitales. Si tiene alguna pregunta, por favor, llame al número que aparece en el reverso de
su tarjeta.

Credit and debit card products are provided by JPMorgan Chase Bank, N.A. Member FDIC

Addendum:
Transfers Service
Last updated: 10/04/2021

This Addendum governs your use of the service to Transfer funds between your eligible
accounts held by us, or between an eligible account held by us and an External Account
(“Transfers Service” or for purposes of this Addendum, the “Service”). Except as otherwise
set forth in this Addendum (including Section 6 below), all capitalized terms used but not
defined herein shall have the meaning set forth in the General Terms and Conditions.

1. General Terms Applicable to Transfers

When you use, or allow another to use, the Online Service or Mobile Services to send
Instructions to us to make Transfers between two eligible accounts through the Online
Service or Mobile Services, you agree to the terms and conditions set forth in this Addendum.
You also agree that once a Transfer has been designated with a status of “Sent” or
“Completed”, you cannot cancel that Transfer.

All of your Transfers made through the Transfers Service will appear on the statements for
your respective accounts. Certain Transfers available through the Online Service or Mobile
Services may also be subject to terms and conditions separate from this Addendum that
apply to such other services including the online wire transfer service. Please refer to the
agreements and documentation that you receive for those services for that information.

Any Transfer made from any of your savings accounts by using the Online Service or Mobile
Services is a restricted Transfer subject to certain limitations. Please refer to our deposit
account agreement or other terms and conditions governing your account for full details.
Additionally, External Transfers made from any line of credit account will be treated as an
advance on such line of credit, and in addition to accruing interest under the terms of your
line of credit agreement, will also be subject to all other terms and limitations on advances
thereunder.

You agree to be bound by and comply with such other written requirements as we may
furnish to you in connection with your deposit accounts, prepaid accounts, credit card
accounts, and other products that may be accessed via the Transfers Service, including your
deposit account agreement or other terms and conditions governing your account, credit
card, mortgage, auto, installment loan or line of credit agreements.

Not all accounts are eligible for the Transfers Service. We reserve the right to limit eligibility to
certain types of accounts and to change such eligibility from time to time. We also reserve the
right to restrict categories of recipients to whom the Transfers Service may be made in our
sole discretion.

a. Cutoff Times

Cutoff Times are as follows on any Business Day in ET:

i. Cutoff Times to schedule Transfers are as follows:

Transfers to or from J.P. Morgan Chase deposit accounts:

• 11:00 p.m. ET on any Business Day for Internal Transfers

• 8:00 p.m. ET on any Business Day for External Transfers

Transfers from J.P. Morgan Chase line of credit accounts:

• 11:59 p.m. ET any day for Internal Transfers to a J.P. Morgan Chase checking or prepaid
account
• 8:00 p.m. ET on any Business Day for External Transfers

Transfers to or from Investment Accounts:

• 4:30 p.m. ET on any Business Day for initiating a Current Day Transfer to Investment
Accounts
• 4:30 p.m. ET on any Business Day for initiating a Current Day Transfer from Investment
Accounts*

*Transfers involving money market mutual funds may be subject to other cutoff times
mandated by the applicable mutual fund company, which may be earlier than 4:30 p.m.
ET. For more information, please see the prospectus or call the phone number on the
front of your account statement.

i. Cutoff Times to Cancel Transfers are as follows:

Transfers to or from J.P. Morgan Chase deposit accounts:

• 11:00 p.m. ET on any Business Day for Future Dated Internal Transfers, except as
provided below. Once you initiate a same day Internal Transfer, you have no ability to
stop or cancel such transfer.
• 8:00 p.m. ET on any Business Day for External Transfers

Transfers from J.P. Morgan Chase line of credit accounts:

• 11:59 p.m. ET any day for Internal Transfers to a J.P. Morgan Chase checking or prepaid
account. Once you initiate a same day Internal Transfer, you have no ability to stop or
cancel such transfer.
• 8:00 p.m. ET on any Business Day for External Transfers

If you wish to Cancel a Transfer, you should cancel your transaction online.

Notwithstanding the foregoing, for Investment Accounts, Sections 2(b)(iv) and 2(c)(iv) also
apply.

b. Service Fees

Unless otherwise noted in your account agreement, we do not charge a monthly service fee
for Transfers. If we process a Transfer in accordance with your Instructions that overdraws
your account or exceeds your J.P. Morgan Chase credit card limit, we may assess a fee or
charge interest in accordance with the terms of your deposit account agreement or other
applicable agreement. We are not responsible for any Transfer request if there isn’t enough
money in the designated From Account or if the payment request exceeds your credit card
limit.

c. Repeating Transfers

Repeating Transfers that are for the same fixed amount each month will be sent on the same
calendar day of each month, or on the following Business Day if the regular Send On Date or
Transfer date falls on a non-Business Day. Repeating Transfers will be deducted from your
From Account, or charged to your J.P. Morgan Chase credit card, on the Send On Date or
Transfer date, as applicable. In order to authorize a Repeating Transfer, you agree to have
means to print a copy of your authorization for your records. If you do not have a printer, you
agree to continue to authorize a Repeating transaction on a transaction-by-transaction basis
until you have means of printing a copy of your authorization for your records.

If you order us to stop a Repeating Transfer three (3) Business Days or more before the Send
On Date or Transfer date, and we do not do so, we will be liable to you for those losses or
damages as provided by law. If for any reason you cannot access the Online Service or Mobile
Services, you may also call our customer service at 800-935-9935 or write to online customer
service at Online Customer Service, P. O. Box 2558, Houston, TX 77252-9968. If you call, we
may also require you to present your request in writing within fourteen (14) days after you
call. Repeating transfers are not available for Investment transfers.

For Investment Accounts, you can establish a repeating incoming Transfer instruction only;
outgoing Transfers must be entered individually. To cancel or modify an existing Transfer
request, you must contact Investment Services at 800-392-5749.

d. Additional Terms Applicable to Transfers

You authorize us to charge your designated From Account for all Transfers of funds that you
initiate and you agree to have sufficient funds or available credit in your From Account on the
Transfer date for each such transfer you schedule. Except with regard to certain Transfers to
and from Investment Accounts, if there are insufficient available funds (or available credit) to
cover a Current Day Transfer, we will not retry the transaction and the Transfer will be
immediately rejected.

In the case of Future Dated transfers (excluding Autosave Transfers), if sufficient funds are
not in your account on the Transfer date, we will automatically try to debit your account up to
two (2) more times on each of the three (3) succeeding Business Days. For these attempts, a
status of “Funds Needed” will appear online. After the final attempt, the transfer request will
be Cancelled. A status of “Funding Failed” will appear online. We will send a message advising
you of each failed attempt to transfer from your From Account.

For Investment Accounts, you can set a future Transfer date even if there are insufficient
funds in the Investment Account. On the Transfer date, any available funds will be
transferred, even if the amount is below the requested Transfer, which will mean that the
cash balance in the Investment Account will be zero ($0). You will be notified if your available
cash balance is below your Transfer amount. If your account has a zero ($0) balance as of the
Transfer date, the Transfer will be rejected.

e. Internal Transfers

Internal Transfers can be used to Transfer funds between your eligible accounts held by us.
To make Internal Transfers, you must have at least two eligible accounts with us between
which you may Transfer money. We reserve the right to determine eligibility and to restrict
categories of recipients to whom Internal Transfers may be made in our sole discretion.

i. You may make Internal Transfers up to (A) your available balance plus any amount in
your overdraft protection account; or (B) your credit limit, to the extent applicable. If you
have selected a home equity line of credit secured by Texas homestead property as
your From Account, the minimum transfer allowed through Transfers is $4,000.00, to
the extent eligible. Current Day Internal Transfer Instructions begin to process
immediately and cannot be Cancelled. If your From Account is a J.P. Morgan Chase
home equity line of credit, to the extent eligible, you may make Internal Transfers up to
a maximum amount of (A) $200,000 daily; or (B) $500,000 daily, if you are a Private
 Banking customer.
ii. Transfers between deposit and eligible prepaid accounts held by us: Current Day
transfers between deposit and eligible prepaid accounts held by us that are made
before the Cutoff Time will be processed immediately and the transferred funds will be
available the same day to cover all transfers. Funds transferred to deposit or prepaid
accounts held by us and made after the Cutoff Time on the Current Day or on a non-
Business Day will be available for immediate cash withdrawal at ATMs and for online
transactions, however the funds will not be available to cover other payments such as
paper checks until the next Business Day. Repeating transfers will be paid on the same
calendar day of each transfer period, or on the next Business Day if the regular Transfer
date falls on a non-Business Day. Future Dated transfers (including Repeating transfer(s)
from deposit and eligible prepaid accounts held by us) will be deducted from your From
Account on the Transfer date.
iii. Transfers from line of credit accounts held by us: Current Day money transfers from line
of credit accounts held by us will be reflected in your account as soon as we receive the
transfer request. The minimum or maximum you will be able to withdraw via Transfers
is subject to the terms of your existing credit agreements with us. Future Dated and
Repeating Transfers cannot be made from line of credit accounts with us.
iv. Transfers to or from Investment Accounts: Current Day Transfers can be made between
eligible deposit accounts held by us and an Investment Account. NOTE: You can cancel
an existing one time Transfer request or cancel/modify a recurring Transfer
request online. However, in order to modify or cancel a recurring distribution
from a retirement account, you must call Investment Services at 800-392-5749.
A. Transfers to Investment Account

When Instructions are received by us on a Business Day between 5:00 a.m. ET and
the Cutoff Time, funds will be posted to, and viewable in, the Investment Account
and available for trading immediately as of the day the Instruction was made.
When Instructions are received after the Cutoff Time, funds will be posted to, and
viewable in the Investment Account and available for trading at or about 5:00 a.m.
ET on the next Business Day following the day the Instruction was made. When
Instructions are received on a non-Business Day, funds will be posted to, and
viewable in, the Investment Account and available for trading at or about 5:00 a.m.
ET on the next available Business Day following the day the Instruction was made.

B. Transfers from Investment Account

When Instructions are received by us on a Business Day between 5:00AM ET and

the Cutoff Time, Transfers will be immediately posted to, and available for
withdrawal in the To Account. When Instructions are received after the Cutoff
Time, Transfers will be posted and available for withdrawal in the To Account at or
about 5:00AM ET on the next Business Day following the day the Instruction was
made. When Instructions are received on a non-Business Day, Transfers will be
posted to, and available for withdrawal in, the To Account, at or about 5:00AM ET
on the next available Business Day following the day the Instruction was made.
The Investment Account cash balance will be immediately reduced by the
amount of the Transfer and no longer be available for withdrawal or trading,
 regardless of whether Instructions are received at or before/after the Cutoff
Time.

C. Manual Approval

Certain Transfers including Transfers from an Investment Account over

$100,000.00, multiple same day Transfers and certain future dated Transfers are
subject to manual approval and Transfers to/from Investment Accounts will occur
according to these terms upon such approval.

v. Autosave Feature: You can set up automatic Transfers from your checking account to
your savings account, investment account, or to other types of accounts that we may
specify from time to time. Certain Autosave features give us discretion, within limits set
by you, to make periodic Transfers based on factors such as your account balance and
spending patterns, and you agree to regularly monitor such Transfers closely and
change or cancel them as you determine necessary. Use the Chase Mobile app or
chase.com to set up, review, change or cancel your transfers. Except as specifically set
forth herein or where the law requires a different standard, we are not liable for any
errors, losses or damages in connection with any Transfer of funds or failure to Transfer
funds under any Autosave feature that you select, for any reason, including system
outages or defects. In particular, we will not be liable for any interest, gains or dividends
you might have earned or not earned in any account as a result of your use of Autosave.

f. External Transfers

External Transfers can be used to Transfer funds between an eligible account held by us and
an External Account. To initiate External Transfers you must have at least one eligible deposit
or prepaid account, Investment Account, line of credit, mortgage, installment loan or auto
loan account with us. We reserve the right to determine eligibility and to restrict categories of
recipients to whom External Transfers may be made in our sole discretion.

i. Excluding Transfers to or from Investment Accounts, Transfers to or from External

Accounts may be made in amounts of up to $10,000 or $25,000 per transaction,
depending on internal J.P. Morgan Chase criteria (applicable limit will be displayed
and/or applied at the time of transfer), or a maximum of $25,000 per day in the
aggregate from all your combined accounts, except as otherwise noted below. If your
From Account is a home equity line of credit secured by your Texas homestead, to the
extent eligible, each transfer must be a minimum of $4,000. If you are a Chase Sapphire
Banking, Chase Private Client, Private Banking, or Business Banking customer, the
following Transfer limits apply to you in lieu of the foregoing:
Per Transaction Limit Maximum Daily Limit
(all accounts in the
aggregate)
Chase Sapphire
$100,000.00 $100,000.00
Banking
Chase Private Client $100,000.00 $100,000.00
 Private Banking $100,000.00 $100,000.00
Business Banking $100,000.00 $100,000.00
ii. If your From Account is a J.P. Morgan Chase home equity line of credit, to the extent
eligible, you may make External Transfers up to a maximum amount of (A) $200,000
daily; or (B) $500,000 daily, if you are a Private Banking customer.
iii. Transfers between eligible deposit and prepaid accounts held by us and an External
Account that we receive by the Cutoff Time on any Business Day will begin processing
on the same day. Transfers to an External Account will be deducted from your From
Account held by us on the calendar date and will usually be reflected in your External
Account on the Deliver By Date. Transfers from External Accounts are subject to the
processing times of the financial institution holding your External Account. Instructions
for Transfers from External Accounts that we receive by the Cutoff Time on a Business
Day will be sent to the holder of your External Account on the same day for processing.
Instructions entered via the External Transfer Service may be Cancelled until the Cutoff
Time on the Send On Date.
iv. Transfers to or from Investment Accounts
A. Transfers to Investment Account. When Instructions are received by us at or
before the Cutoff Time, funds will be posted to, and viewable in, the Investment
Account as of 5:01 p.m. ET on the next Business Day after the day the Instruction
was made. These funds will be available for trading at or about 11:59 p.m. ET on
the day they post and are viewable in the Investment Account. When Instructions
are received after the Cutoff Time, funds will be posted to, and viewable in, the
Investment Account as of 5:01 p.m. ET on the second Business Day following the
day the Instruction was made. These funds will be available for trading at or about
11:59 p.m. ET on the day they post and are viewable in the Investment Account.
During the interim period between when the funds are posted and are viewable
and available for trading, a hold for the amount in question will be placed on the
External Account in the amount of the transfer for up to four (4) Business Days.
B. Transfers from Investment Account. When Instructions are received at or before
the Cutoff Time, funds will be posted to, and viewable in, the External Account as
of 5:01 p.m. ET on the next Business Day after the day the Instruction was made.
These funds will be available in the External Account at or about 11:59 p.m. ET on
the day they post and are viewable in the External Account. When Instructions are
received after the Cutoff Time, funds will be posted to, and viewable in, the bank
account as of 5:01 p.m. ET that day. The funds will be available in the External
Account at or about 11:59 p.m. ET on the day they post and are viewable in the
External Account. Regardless of whether Instructions are received at or
before/after the Cutoff Time, the Investment Account cash balance will be
immediately reduced by the amount of the Transfer and no longer be
available for withdrawal or trading.
v. Transfer Instructions relating to External Accounts and the transmission and issuance of
data related to such Instructions shall be received pursuant to the terms of this
Addendum and the Rules and you and we agree to be bound by such Rules as in effect
from time to time. In accordance with such Rules, any credit to your deposit or prepaid
account held by us, or your External Account shall be provisional until such credit has
been finally settled by us or the third party institution which holds your External
 Account, as the case may be. You acknowledge that you have received notice of this
requirement and of the fact that if we do not receive final settlement for a transfer for
any reason, we shall charge back the amount of such transfer to the Transfer To or
From Account (as applicable) or any other of your accounts or claim a refund from
you. We reserve the right at any time to delay the availability of funds transferred into
your deposit account via a debit from another account pending settlement or until such
time as those transactions cannot be reversed in accordance with the Rules or
applicable law.

2. Additional Terms Applicable Only to Transfers For Consumer Accounts

For Consumer Accounts, please see your deposit account agreement for important
information about your rights and obligations regarding liability for activity on your account.
If you perform transactions from a home equity line of credit or other credit account, please
see your home equity line of credit or other credit documents for information about your
liability for unauthorized charges or other errors or questions relative to those accounts.
Concerns about other transactions in your Investment Account or errors on your
confirmations and statements from J.P. Morgan Securities LLC must be reported in
accordance with the terms of your Brokerage Account Agreement. In the case of errors or
questions about your electronic funds transfers made through Transfers, please consult your
account agreement for details and reporting time frames.

3. Our Guarantee

The Online and Mobile Banking Guarantee – Only for Online and Mobile Transfers (for
Consumer Deposit and Prepaid Accounts Only)

In the event that money is removed from your eligible consumer deposit accounts with us or
without your authorization through the Transfers Service, we will reimburse you 100% if you
tell us within two (2) Business Days of your discovery of the unauthorized transaction. This
guarantee covers only things that are within our control -- the guarantee does not cover
losses, which you cause, or processing delays, which are not caused by us or within our
control, including cover your failure to completely log out and exit the Online Service or
Mobile Services when you’re finished with your online session or away from your computer
or mobile device, or your negligent handling of your user ID and Password. It is your
responsibility to use care when exiting the system and safely maintain your user IDs and
Passwords. See Section 2 “Additional Terms Applicable Only to Transfers for Consumer
Accounts” for additional information about your rights and obligations regarding liability for
activity on your account.

4. Additional Terms Applicable Only to Transfers for Business Accounts

a. Linking Multiple Accounts – Business and Consumer

You may use Chase Online for Small Business to access eligible accounts. These accounts may
include accounts of affiliated, subsidiary, or non-affiliated businesses that may be added to
your business subscription with the agreement of each such business. You may be permitted
to link Consumer Accounts to your Online Service or Mobile Services profile provided: (i) the
authorized signer on the Business Account is also an authorized signer on the consumer
accounts to be linked and (ii) the Consumer Account information provided during linkage is
accurate and can be validated.

b. Liability for Unauthorized Transfers for Business Deposit Accounts Only

You are responsible for all Transfers that are authorized using your Password. If you permit
other persons to use the Services or your Password, you are responsible for any transactions
they authorize.

We are not liable to you for any errors or losses you sustain in using the Transfer Service
except where we fail to exercise ordinary care in processing any transaction. We are also not
liable for any failure to provide any service if the account(s) involved is no longer linked for
the Transfers Service. Our liability in any case shall be limited to the amount of any funds
improperly transferred from your From Account less any amount, which, even with the
exercise of ordinary care, would have been lost.

Without regard to care or lack of care of either you or us, a failure to report to us any
unauthorized Transfer or error from any of your accounts in accordance with the applicable
time frames set forth in your account agreement shall relieve us of any liability for any losses
sustained after the expiration of such reporting period and you shall thereafter be precluded
from asserting any such claim or error.

c. Errors and Questions about Transfers for Business Deposit Accounts Only

In the case of errors or questions about your electronic funds transfers made through the
Transfers Service, please consult your account agreement for details.

5. Definitions

• “Repeating” refers to automatic recurring transfers made to the same To Account for
the same amount which you can authorize for transmission.
• “Sent” refers to the status of a Transfer where the funds have been debited from the
applicable account, but which the Transfer has not yet been posted to the account.
• “Transfers” refers to, collectively, Internal and External Transfers.

Addendum:
Zelle® Service

Last updated: 11/13/2022

This Addendum governs your use of the Zelle® Service (sometimes referred to as Chase
QuickPay®, Chase QuickPay® with Zelle®, QuickPay, Send Money with Zelle®, Chase Person-
to-Person QuickPay, Chase QuickPay for Small Business, or other trade name or trademark as
determined by us) and J.P. Morgan QuickPay (for purposes of this Addendum, the “Zelle®
Service”, “Zelle Service” or “Service”). Except as otherwise set forth in this Addendum
(including Section 17 below), all capitalized terms used but not defined herein shall have the
meaning set forth in the General Terms and Conditions.

1. General Terms Applicable to the Service; Eligibility and User Profile

a. We have partnered with Zelle to enable transfers of money between you and others
who are enrolled directly with Zelle or enrolled with another financial institution that
partners with Zelle (each, a “User”) using aliases, such as email addresses or mobile
phone numbers.
b. In order to register in the Service to request, send or receive money, you must have one
or more eligible accounts to designate a From Account and/or a To Account, as
applicable. If the existing default From Account or To Account you designated is inactive
or terminated, we may, and you hereby authorize us to, designate on your behalf
another eligible and active Chase Account in your profile as your primary From Account
or To Account. You may change the designated accounts at any time subject to the
terms of this Agreement. We have the right to determine eligibility and to restrict
categories of recipients to whom payments may be made using the Service in our sole
discretion. To use the Service to make a transfer between (i) two registered
Zelle accounts; (ii) a Chase Account and a Network Bank Account (as defined below), or
(iii) a Chase Account and an Out-of-Network Bank Account (as defined below).
c. You represent that you are a U.S. resident (not including U.S. territories) and you have
the authority to authorize debits from and credits to the registered bank account(s). You
agree that you will only use the Service: (i) for lawful purposes; and (ii) not to request,
send or receive money from anyone to whom you are obligated for tax payments,
payments made pursuant to court orders (including court-ordered amounts for alimony
or child support), fines, payments to loan sharks, gambling debts or payments otherwise
prohibited by law, and you agree that you will not use the Service to request money
from anyone for any such payments. You agree that you will not authorize a third party
to use the Service or share your credentials with a third party to use the Service on your
behalf except in legally authorized situations such as legal guardianship or pursuant to a
power of attorney.
d. Zelle Content Standards: You agree that you will not upload or provide content or
otherwise post, transmit, distribute, or disseminate through the Service (including but
not limited to memo fields accompanying a transfer) any material that: (a) is false,
misleading, unlawful, obscene, indecent, lewd, pornographic, defamatory, libelous,
threatening, harassing, hateful, abusive, or inflammatory; (b) encourages conduct that
would be considered a criminal offense or gives rise to civil liability; (c) breaches or
infringes any duty toward or rights of any person or entity, including rights of publicity,
privacy or intellectual property; (d) contains corrupted data or any other harmful,
disruptive, or destructive files; (e) advertises products or services competitive with Zelle,
as determined by Zelle in its sole discretion; or (f) in Zelle’s or our sole judgment, is
objectionable, restricts or inhibits any person or entity from using or enjoying any
portion of the Service, or which may expose us, Zelle or our respective affiliates or
 customers to harm or liability of any nature.
e. Although neither we nor Zelle have any obligation to monitor any Content, both we and
Zelle have absolute discretion to remove Content at any time and for any reason
without notice. We and Zelle may also monitor such Content to detect and prevent
fraudulent activity or violations of the terms and conditions. You understand that by
using the Service, you may be exposed to Content that is offensive, indecent, or
objectionable. We and Zelle are not responsible for, and assume no liability, for any
Content, including any loss or damage to any of your Content. We and Zelle make no
representation or warranty that Content uploaded to a User profile accurately identifies
a particular User of the Service
f. If your Chase Account is not in good standing, that account will not be eligible to be used
in Zelle transactions.

2. Registering/Enrolling for the Service

a. You must provide us with an email address that you regularly use and intend to use
regularly (i.e., no disposable email addresses) and a permanent U.S. mobile phone
number that you intend to use for an extended period of time (i.e., no “burner”
numbers), and must immediately update any registered email address or mobile phone
number that you surrender or no longer use. You may not register or enroll with a
home phone or “landline” phone number, Google Voice number, or Voice over Internet
Protocol phone number.
b. To send, request and/or receive money, the User must (i) be registered with (A) the
Service or (B) the person-to-person payment service of clearXchange, Zelle or a Network
Bank, and (ii) have an eligible To Account or From Account, and in the case of transfers
between you and another User at J.P. Morgan Chase, eligible To and From Accounts that
are Chase Accounts.
c. Once registered/enrolled, you may: (i) authorize a debit of your account to send money
to another User at your initiation or at the request of that User; and (ii) receive money
from another User at that User’s initiation or at your request, subject to the conditions
of the Section below titled “Requesting Money.”
d. If at any time while you are enrolled, you do not send or receive money using the
Service for a period of 18 consecutive months, we may contact you and/or take other
steps to confirm that the U.S. mobile phone number or email address that you enrolled
still belongs to you. If we are unable to confirm that you are the owner of the mobile
phone number or email address, then you understand that we may cancel your
enrollment and you will not be able to send or receive money with the Service until you
enroll again.
e. Once enrolled, a Z logo will appear on your profile picture for each U.S. mobile number
and/or email address that you have enrolled with Zelle. The Z logo will be displayed to
other Users to aid them in determining which of your U.S. mobile numbers or email
addresses should be used to send money to you with Zelle. If a User sends you money
using a different U.S. mobile number or email address that they may have for you (one
that is registered to you with the e-mail or mobile phone provider, but is not already
enrolled with Zelle), you will receive a message with instructions on how to enroll with
Zelle.
3. Statements

All of your transfers made through the Service to or from a Chase Account will appear on
the J.P. Morgan Chase statement for such account.

4. Mobile & Text Services; Consent to Emails and Automated Text

Messages

By participating as a User, you represent that you are the owner of the email address, mobile
phone number, and/or other alias you registered, or that you have the delegated legal
authority to act on behalf of the owner of such email address, mobile phone number and/or
other alias to send or receive money as described in this Addendum. You consent to the
receipt of emails or text messages from us, from Zelle, from other Users that are sending you
money or requesting money from you, and from other Network Banks or their agents
regarding the Services or related transfers between Network Banks, Out-of-Network Banks
and you. You agree that we may, Zelle may or either of our agents may use automatic
telephone dialing systems in connection with text messages sent to any mobile phone
number you register. You will immediately notify us if any mobile phone number or email
address you have registered is (i) surrendered by you, or (ii) changed by you.

In the case of any text messages that you may send through either us or Zelle or that we may
send or Zelle may send on your behalf to an email address or mobile phone number, you
represent that you have obtained the consent of the recipient of such emails or automated
text messages to send such emails or text messages to the recipient. You understand and
agree that any emails or text messages that we send or that Zelle sends on your behalf may
include your name. Additionally, you agree to indemnify, defend and hold us harmless from
and against any and all claims, losses, liability, cost and expenses (including reasonable
attorneys’ fees) arising from your provision of a phone number, email address, or other
delivery location that is not your own or your violation of applicable federal, state or local law,
regulation or ordinance. Your obligation under this paragraph shall survive termination of the
agreement.

5. Wireless Operator Data

We or Zelle may use information on file with your wireless operator to further verify your
identity and to protect against or prevent actual or potential fraud or unauthorized use of the
Service. By using the Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US
Cellular, Verizon, or any other branded wireless operator) to use or disclose information
related to your wireless subscriber account (such as your mobile number, name, address,
email, network status, customer type, mobile device identifiers (e.g. IMSI and IMEI) and other
device and subscriber status) and device details, if available, to us or our service providers,
which we may use for the duration of your business relationship with us, solely to allow
verification of your identity, to compare information you have provided to us or to Zelle®
with your wireless operator account profile information, and for other user, token or
transaction verification to help prevent scams and fraud. See Zelle’s Privacy Policy
[https://www.zellepay.com/privacy-policy] for how it treats your data. See Privacy Policy and
Notice for how we treat your data.

6. Cancellation of Your Service

You may cancel the Service by calling 877-CHASEPC (877-242-7372) or online. By canceling the
Service, any Pending, Repeating and Future Dated transfers, will also be terminated, however
any transfer that is In Process cannot be Cancelled by you. When you cancel the Service, you
will no longer be able to access or use the Service and you will not receive a refund of service
fees, if any. When you cancel the Service, it will not cancel your other Online Services or
Mobile Services or your account relationships, if any, with us.

7. Cutoff Times

Between Chase Accounts: The Cutoff Time for sending payments in order for recipients to
receive money on the same day is 11:00 p.m. ET on any Business Day.

Between a Chase Account and an Out-of-Network Bank Account or a Network Bank Account:
The Cutoff Time for receiving payments from an Out-of-Network Bank Account or a Network
Bank Account is 11:00 p.m. ET on any Business Day. The Cutoff Time for sending payments to
an Out-of-Network Bank Account or a Network Bank Account is 8:00 p.m. ET on any Business
Day.

8. Receiving Money

a. You authorize us to accept, on your behalf, all payments sent to you through the
Service. Once a Zelle user initiates a transfer of money to your email address or mobile
phone number registered with the Service, you have no ability to stop or cancel the
transfer. By using the Service, you agree and authorize us to initiate credit entries to the
primary or default account you have registered for the Service. For avoidance of doubt,
payments sent to you will be Cancelled if you have not designated any Chase Account as
the primary or default account for the Service. To avoid this cancellation, if the existing
primary or default account you designated is inactive or terminated, we may, and you
hereby authorize us to, designate on your behalf another eligible and active Chase
Account in your profile as your primary or default account to receive payments sent to
you through the Service.
b. If you are receiving a payment from a business or government agency, your payment
will be delivered in accordance with both this Agreement and the procedures of the
business or government agency that is sending you the payment
c. Notwithstanding anything set forth in this Agreement, processing times vary depending
on registration and information provided by the sender and recipient. We will
automatically begin the delivery process and send notice of a transfer to the recipient
on the Send On Date. We will continue our attempts by sending a second notice of a
transfer to the recipient, and providing the recipient a period of nine (9) succeeding
Business Days to register in the Service, or the person-to-person payment service of
clearXchange, Zelle or a Network Bank. At the end of this period, if the recipient still has
not registered, the transfer request will be Cancelled. The sender may cancel the
 transfer at any time during this ten (10) day period if the recipient is not registered at
the time of cancellation. During this period, a hold may be placed on the sender’s
account for the amount of the transfer. Once the recipient has successfully enrolled,
transfers will automatically be debited from the sender’s account and deposited in the
recipient’s account.
d. The recipient may not initiate a transfer of funds from a third party’s From Account to
the recipient’s To Account. You may however send an email via the Service to request
money from a third party if you have a valid email address for such third party.
e. As a recipient or sender of any transfer using the Service, you acknowledge and agree
that, we may delay, block or cancel a payment, charge back and/or put a hold on the
amount of such payment to or from the From Account or other account as we
determine in our discretion or claim a refund from you for such amount for various
reasons including fraud, scams, suspicious or illegal activity, duplicate payment,
incorrect amount or incorrect recipient or otherwise to meet our regulatory obligations.
The hold on the amount of such payment may be up to ten (10) days. For example, we
may need additional time to verify your identity or the identity of the person sending
the money, or the payment may be delayed due to technical difficulties or
circumstances beyond our control. If we delay or block a payment that you have
initiated, we will notify you. Neither we nor Zelle shall have liability to you for any such
transfers of money, including any (i) failure, through no fault of us or Zelle to complete a
transaction in the correct amount, or (ii) related losses or damages.

9. Requesting Money

a. You may also send a text message via the Service to request money from a recipient
holding an Out-of-Network Bank Account or an account at a Network Bank, if you have a
valid mobile phone number for such recipient and the Network Bank or Zelle sends text
messages at that mobile phone number to the recipient. If a request for transfer is
subsequently cancelled by the requestor, and the sender has initiated a transfer tied to
that request, the transfer will be Cancelled unless it is a Current Day transfer, the
transfer is already accepted, or it is after the Cutoff Time on the Send On Date.
b. You may request money from an individual or a group of individuals (up to a maximum
number as determined by us from time to time) registered with clearXchange, Zelle or a
Network Bank. You understand and acknowledge that individuals to whom you send
payment requests may reject or ignore your request. We do not guarantee that you will
receive money from other individuals by sending a payment request or that you’ll
receive the requested amount. If an individual ignores your request, we may decide, in
our sole discretion, that we will not send a reminder or repeat request to that individual.
We have the right to expire all pending payment requests sent by you after a period of
time determined by us from time to time, which is currently set at fourteen (14) days
from the Send On Date.
c. By using the Service, you agree that you will not use the Service to request money for
the payment or collection of an overdue or delinquent debt; to request money that is
owed to another person; or to collect any amounts that are owed pursuant to a court
order. You agree to indemnify, defend, and hold the J.P. Morgan Chase Indemnified
Parties and Zelle (including its officers, directors, employees and agents) harmless from
 and against any and all Losses in connection with any third party claim resulting or
arising from any request for money that you send that is related to overdue or
delinquent amounts.
d. By using the Service, you agree to receive money requests from others, and to only send
requests for legitimate and lawful purposes. Requests for money are solely between the
sender and recipient and are not reviewed or verified by us. We do not assume
responsibility for the accuracy or legality of such requests and do not act as a debt
collector on your behalf or on behalf of the sender of a request for money.
e. We reserve the right, but assume no obligation, to terminate your ability to send
requests for money in general, or to specific recipients, if we deem such requests to be
potentially unlawful, abusive, offensive or unwelcome by the recipient.

10. Sending Money

You may send money to a recipient at your initiation or in response to that recipient’s request
for money. You understand that use of this Service by you shall at all times be subject to (a)
this Agreement, and (b) your express authorization at the time of the transaction for us to
initiate a debit entry to your bank account. You understand that when you send the payment,
you will have no ability to stop or cancel it. The sender must be registered with (a) the Service
with an eligible From Account or (b) the person-to-person payment service of clearXchange,
Zelle or a Network Bank, and provide a valid email address or mobile phone number for the
recipient. Funds will not be withdrawn from the From Account until the transfer has been
accepted.

You acknowledge and agree that payment transfers will be completed using only the email
address or mobile phone number you enter even if it identifies a person different from your
intended recipient. The name you enter will help you identify your intended recipient in the
drop down menu and your transaction history but will not be used to process payments.
Please make sure you accurately enter the recipient’s email address or mobile phone number
and ensure that their email address or mobile phone number is current and registered by the
recipient since your obligation to pay for the transfer will not be excused by an error in the
information you enter.

You also acknowledge and agree that we can (a) use and add any person or entity (and their
associated information) with whom you have transacted through the Service to your list of
Zelle recipients; and (b) access, use and add any person or entity from your contacts
contained on your device (subject to your consent) for the purposes of updating your list of
Zelle recipients, verifying their Zelle enrollment status, and displaying of a Z logo (or
substantially similar indicia) for each such mobile number or email address of those contacts
that are enrolled. You may add, edit and/or remove any recipients at any time.

Sending Money Between Chase Accounts

To use the Service to send money between two Chase Accounts, the sender and the recipient
must each maintain a Chase Account. You may transfer funds - up to your available balance
plus any amount in your overdraft protection account, if applicable.
Transfers between Chase Accounts: If you use the Service to send money, you authorize us to
withdraw funds from your designated From Account for all transfers of funds that you initiate
through the Service and you also agree to have sufficient funds in your From Account on the
Send On Date for each such transfer you schedule until the transfer is Completed or
Cancelled, subject to Section 7(e). We will not be obligated to make any transfer you may
request unless there are sufficient available funds in the From Account to cover the transfer.
Transfers from Chase Accounts will be Funded from your From Account on the date of
acceptance.

For transfers between Chase Accounts, funds should typically be available within minutes, but
no later than the next Business Day if the transfer is sent before the Cutoff Time.

Current Day transfers between Chase Accounts: Any transfer Instruction for a requested
Current Day transfer received by us after the Cutoff Time or on non-Business Days will not be
a Current Day transfer and will be processed the following Business Day. If there are
insufficient available funds to cover a Current Day transfer, the transfer request will fail and
we will not make repeat attempts to debit the applicable account.

Repeating and Future Dated transfers between Chase Accounts: In the case of Repeating and
Future Dated transfers, if sufficient funds are not in the From Account on the Send On Date,
the transfer will fail and we will not make repeat attempts to debit the applicable account.

Sending Money Between Chase Accounts and Out-of-Network Bank Accounts

To use the Service to send and receive money between a Chase Account and an Out-of-
Network Bank Account, the parties must use at least one eligible Chase Account with us and
at least one Out-of-Network Bank Account. To send money from a Chase Account, you may
transfer funds - up to your available balance plus any amount in your overdraft protection
account, if applicable.

Transfers between a Chase Account and an Out-of-Network Bank Account: You authorize us
to charge your designated From Account with us for all transfers of funds that you initiate
through the Service and you also agree to have sufficient funds in your From Account on the
Send On Date to cover each such transfer you schedule and any fees that might be
associated with such transfer until the transfer is Completed or Cancelled, subject to Section
7(e). We will not be obligated to make any transfer you may request unless there are
sufficient available funds (including any available overdraft protection account you may have)
in your From Account to cover the transfer on the Send On Date until the transfer is
Completed or Cancelled. If there are insufficient available funds to cover a transfer on the
date of acceptance, the transfer will fail and we will not make repeat attempts to debit the
applicable account.

Instructions for transfers to an Out-of-Network Bank Account will be deducted from the From
Account held by us following acceptance. Transfers from Out-of-Network Bank Accounts are
subject to the processing times of the Out-of-Network Bank Account. Instructions for
transfers from the Out-of-Network Bank Accounts that we receive by the Cutoff Time on a
Business Day will be sent to the Out-of-Network Bank Account on the same day for
processing.

Transfers to an Out-of-Network User through clearXchange.com: For transfers from a Chase

Account to an Out-of-Network Bank Account through use of clearXchange.com, the transfer
should typically be completed one to two Business Days after the Business Day following
acceptance, subject to the processing times of the Out-of-Network Bank.

Transfers from an Out-of-Network User through clearXchange.com: For transfers from an

Out-of-Network Bank Account to a Chase Account through use of clearXchange.com, the
transfer should typically be completed four to five Business Days after the Business Day
following acceptance, subject to the processing times of the Out-of-Network Bank.

Transfers to or from the Zelle platforms: For transfers between a Chase Account and an Out-
of-Network Bank Account or a Network Bank Account through use of the Zelle platform(s),
the transfer should typically be completed within minutes, subject to the processing times of
the financial institution holding the other account.

Sending Money Between Chase Accounts and Network Bank Accounts

To use the Service to send and receive money between a Chase Account and a Network Bank
Account, the parties must use at least one eligible Chase Account with us and at least one
Network Bank Account. The holder of an account with a Network Bank may register with the
person-to-person transfer service of the Network Bank holding their account and will not be
required to register through the Service. To send money from a Chase Account, you may
transfer funds up to your available balance plus any amount in your overdraft protection
account, if applicable.

Transfers from a Chase Account to a Network Bank Account: You authorize us to charge your
designated From Account with us for all transfers of funds that you initiate through the
Service, and you also agree to have sufficient funds in your From Account on the Send On
Date to cover each such transfer you schedule and any fees that might be associated with
such transfer until the transfer is Completed or Cancelled, subject to Section 7(e). We will not
be obligated to make any transfer you may request unless there are sufficient available funds
(including any available overdraft protection account you may have) in your From Account to
cover the transfer on the Send On Date until the transfer is Completed or Cancelled.

If there are insufficient available funds to cover a transfer to a Network Bank Account on the
date of acceptance, the transfer request will fail and we will not make repeat attempts to
debit the applicable account.

Instructions for transfers to a Network Bank Account will be deducted from the From Account
held by us once the recipient or the Network Bank accepts. Funds will typically be available in
the Network Bank Account when J.P. Morgan Chase sends a guarantee of payment or a
similar notice to the Network Bank, and depending on the Network Bank and whether there
are sufficient funds in your Chase Account, that may be within minutes or within two
Business Days following acceptance. Once your transfer has been submitted and confirmed,
we will provide you information on when the funds for each transfer will become available.
Transfers from a Network Bank Account to a Chase Account: Transfers from Network Bank
Accounts to Chase Accounts are subject to the terms of the person-to-person transfer service
of the Network Bank and may be delayed or cancelled as the Network Bank may determine in
its sole discretion.

Funds will be typically available when J.P. Morgan Chase receives a guarantee of payment or a
similar notice from the Network Bank sending the transfer, and depending on the Network
Bank, that may be within minutes or within three Business Days following acceptance, subject
to the processing times of the Network Bank. After acceptance, we will provide you
information on you when the funds for each transfer will become available.

11. Transfer Limits

Transfers from your Chase Accounts may be made in any amounts from $1 up to the limits
shown below. Limits are aggregate from all of your combined Chase accounts registered with
the Service. All transfer limits are subject to temporary reductions to protect the security of
customer accounts and/or the transfer system. Note that the amount of money you can
send a new recipient may be initially subject to lower limits; however, we may adjust
the transfer limit when you send subsequent payments to the same recipient.

Consumer Chase Chase Private Client Business Chase

Accounts or Chase Private Accounts
Banking Client Chase
Accounts

Per transaction $2,000 $5,000 $5,000

Per day $2,000 $5,000 $5,000

Per calendar month $16,000 $40,000 $40,000

Your individual transfer limits may vary from the transfer limits shown above as determined
in our sole discretion based on your recipient, the transaction history for your recipient, and
your account tenure. Your transfer limits may be different from those of other Users
depending upon the foregoing criteria which we may change from time to time. We will
present your applicable limit for your recipient when using the Service if it varies from the
limits shown above. We reserve the right to change from time to time the dollar amount of
transfers you are permitted to make using Zelle without prior notice to you, unless otherwise
required by applicable law or regulation. At our discretion we may refuse to process any
transaction that exceeds your individual limits or to protect the security of your account
and/or the transfer system. In this case, you are responsible for making alternate
arrangements or rescheduling the payment or transfer.

Transfer limits, if any, applicable to a holder of Network Bank Accounts or Out-of-Network

Bank Accounts for transfers to Chase Accounts or in receiving transfers to their Network Bank
Accounts or Out-of-Network Bank Accounts are governed by the terms of the person-to-
person transfer service of clearXchange, Zelle or the applicable Network Bank.
12. Repeating Transfers

Repeating transfers that are for the same fixed amount each month will be sent in
accordance with your Instructions and on the same calendar day of each period you
designate, or on the prior Business Day if the regular Send On Date falls on a non-Business
Day. In order to authorize a Repeating transfer, you agree to have a printer or other means to
obtain a printed copy of your authorization for your records. If you do not have a printer, you
agree to continue to authorize a Repeating transfer on a transaction-by-transaction basis
until you have means of printing a copy of your authorization for your records.

If you desire to cancel a Repeating transfer, you may cancel your transaction online. If for any
reason you cannot access the Online Service or Mobile Services, you may also call our
customer service at 877-CHASEPC (877-242-7372) or write to online customer service at
Online Customer Service, P. O. Box 2558, Houston, TX 77252-9968.

13. Terms applicable to your use of Zelle platforms

The Zelle platforms, such as the standalone Zelle mobile app and zellepay.com site, are
additional platforms owned and controlled by Zelle. The Zelle platforms are not a part of the
Service and the Service is not available on the Zelle platforms. By using the Zelle platforms,
you will be required to agree to Zelle’s terms and conditions. J.P. Morgan Chase hereby
disclaims any and all liabilities, representations and warranties with respect to the Zelle
platforms.

14. Zelle Fees

There is no service fee from us to use the Service. However, if we process a transfer in
accordance with your Instructions that overdraws your Chase Account with us, we may assess
a fee or charge interest for any such overdraft in accordance with the terms of your deposit
account agreement. We will not be liable for failure to pay any transfer request unless it is
drawn against available funds credited to the designated From Account. You will be
responsible for paying any telephone company or utility charges and/or Internet access
service fees incurred while using telephone lines and/or Internet access services to connect
with the Service.

15. Limitation of Liability: No Warranties

Neither we nor Zelle shall be liable for any typos or keystroke errors that you may make when
using the Service.

YOU AGREE THAT YOU, NOT WE OR ZELLE, ARE RESPONSIBLE FOR RESOLVING ANY PAYMENT
OR OTHER DISPUTES THAT YOU HAVE WITH ANY OTHER USER WITH WHOM YOU SEND
MONEY TO, OR RECEIVE OR REQUEST MONEY FROM, USING THE SERVICE.

EXCEPT AS SPECIFICALLY SET FORTH HEREIN OR WHERE THE LAW REQUIRES A DIFFERENT
STANDARD, WE, ZELLE, NETWORK BANKS AND OUR RESPECTIVE OFFICERS, DIRECTORS,
AGENTS AND EMPLOYEES ARE NOT AND SHALL NOT BE RESPONSIBLE FOR ANY LOSS,
DAMAGE OR INJURY OR FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY,
OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, ARISING FROM OR RELATED
TO THE SYSTEM, EQUIPMENT, BROWSER AND/OR THE INSTALLATION OR MAINTENENACE
THEREOF, ACCESS TO OR USE OF THE SERVICE, FAILURE OF ELECTRONIC OR MECHANICAL
EQUIPMENT, THE INTERNET, THE SYSTEM, OR COMMUNICATION LINES, TELEPHONE OR
OTHER INTERCONNECT PROBLEMS, BUGS, ERRORS, CONFIGURATION PROBLEMS OR
INCOMPATIBILITY OF COMPUTER HARDWARE, SOFTWARE, THE INTERNET, OR THE
SYSTEM, FAILURE OR UNAVAILABILITY OF INTERNET ACCESS, PROBLEMS WITH INTERNET
SERVICE PROVIDERS, PROBLEMS OR DELAYS WITH INTERMEDIATE COMPUTER OR
COMMUNICATIONS NETWORKS OR FACILITIES, PROBLEMS WITH DATA TRANSMISSION
FACILITIES OR ANY OTHER PROBLEMS YOU EXPERIENCE DUE TO CAUSES BEYOND OUR
CONTROL. EXCEPT AS OTHERWISE EXPRESSLY PROVIDED IN ANY APPLICABLE
AGREEMENT, YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICE IS AT
YOUR SOLE RISK AND THAT THE SERVICE AND ALL INFORMATION, PRODUCTS AND
OTHER CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT)
INCLUDED IN OR ACCESSIBLE FROM THE SITES, ARE PROVIDED ON AN "AS IS" "WHERE-IS"
AND "WHERE AVAILABLE" BASIS, AND ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT
NOTICE TO YOU. YOU ACKNOWLEDGE THAT WE AND ZELLE MAKE NO WARRANTY THAT
THE SERVICE WILL BE UNINTERRUPTED, TIMELY, INVULNERABLE TO CYBER ATTACK,
SECURE OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED UNLESS OTHERWISE
STATED ON THE SITE OR IN ANY APPLICABLE AGREEMENT. TO THE FULLEST EXTENT
PERMITTED BY LAW, WE DISCLAIM ALL REPRESENTATIONS, WARRANTIES AND
CONDITIONS OF ANY KIND (EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING
BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A
PARTICULAR PURPOSE, TITLE AND NON- INFRINGEMENT OF PROPRIETARY RIGHTS) AS
TO THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING
THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR ACCESSIBLE
FROM THE SITES. NO LICENSE TO YOU IS IMPLIED IN THESE DISCLAIMERS.

16. Binding Arbitration

In addition to the “Disputes and Arbitration” section in the General Terms and Conditions at
the beginning of this document, you acknowledge and agree that for any claims or disputes
you assert against Zelle® and Early Warning Services, LLC, Zelle® and Early Warning Services,
LLC are entitled to enforce this arbitration provision against you.

17. Termination

We also reserve the right to terminate or suspend our participation in the clearXchange or
Zelle network or with a particular financial institution at any time.

For Consumer Accounts, please see your deposit account agreement for important
information about your rights and obligations regarding liability for activity on your
account. The following additional terms apply whenever you use the Service to send
transfers from a Consumer Account registered via the Service. You should use your

Consumer Account to send or receive payments for personal, family, or household purposes,
and you should use your Business Account to send or receive payments for business
purposes. If you perform transactions from Business Accounts registered through the
Service, please refer to the paragraphs beginning with “ADDITIONAL TERMS APPLICABLE
ONLY TO TRANSFER SERVICES FOR BUSINESS ACCOUNTS” for additional terms applicable to
business transactions. Network Bank Accounts are subject to the terms of the agreement of
the Network Bank.

18. No Purchase Protection

Neither we nor Zelle offer purchase protection for the purchase of goods and/or services
(e.g., coverage for non-receipt, damage, or “not as described” claims related to the purchase
of such goods and/or services). The Service is not intended for the purchase of goods from
retailers, merchants, or the like.

19. ADDITIONAL TERMS APPLICABLE ONLY TO THE SERVICE FOR BUSINESS

ACCOUNTS

Zelle Liability for Unauthorized Transfers for Chase Business Deposit Accounts Only

You are responsible for all transfers that are authorized using your Password to access the
Zelle Service. If you permit other persons to use the Service or your Password, you are
responsible for any transactions they authorize.

We shall have no liability to you for any errors or losses you sustain in using the Service
except where we fail to exercise ordinary care in processing any transaction. We shall also not
be liable for any failure to provide any service if the account(s) involved is no longer linked for
the Service. Our liability in any case shall be limited to the amount of any funds improperly
transferred from your From Account less any amount, which, even with the exercise of
ordinary care, would have been lost.

Without regard to care or lack of care of either you or us, a failure to report to us any
unauthorized transfer or error from any of your Chase Accounts within thirty (30) days of our
providing or making available to you a bank statement showing such unauthorized transfer
or error shall relieve us of any liability for any losses sustained after the expiration of such
thirty-day period and you shall thereafter be precluded from asserting any such claim or
error.

Errors and Questions about Services for Chase Business Deposit Accounts Only

For Business Accounts, our practice is to follow the procedures described above entitled
“Errors and Questions about Service: For Transfers From Consumer Deposit Accounts”, but
we are not legally required to do so.
Miscellaneous Terms for Business Accounts

You may not send or receive payments to or from a Zelle mobile app user who is registered
with a debit card. Further, you should use your Business Account to send or receive payments
for business purposes, and you should use your Consumer Account to send or receive
payments for personal, family, or household purposes.

20. Definitions

• “Accept(s)” or “acceptance” refers to the recipient’s consent to receive the funds or

transfers, which could be provided through various ways, including by the recipient, by
cXc or Zelle in the case of certain Out-of-Network Bank Accounts, or by the financial
institution holding that account on recipient’s behalf, either manually or through an
automated process. For those financial institutions that accept payments on behalf of
their accountholders, including us, the date of acceptance as used in this Agreement
typically has the same meaning as the Send On Date.
• “Chase Account” means a checking account held by us or other eligible J.P. Morgan
Chase account or Card as determined by us from time to time and registered for the
Service.
• “clearXchange” or “cXc” refers to refers to a digital payments network and company
that arranges electronic money transfers, using email addresses and mobile phone
numbers.
• “clearXchange platform” refers to the website, clearXchange.com, operated and made
available by cXc at its sole discretion, solely to those Users who bank with an Out-of-
Network Bank.
• “Completed” refers to funds have been successfully processed and both To Account
and From Accounts have been updated. It does not mean funds have necessarily been
received into the To Account.
• “In Process” refers to the funds requested for transfer are in transit but have not yet
been credited to the To Account.
• “Out-of-Network Bank” refers to any financial institution that does not participate in
the clearXchange or Zelle digital payments network.
• “Out-of-Network Bank Account” refers to a deposit account held by an Out-of-
Network Bank and registered for clearXchange’s or Zelle’s out-of-network person-to-
person payment service.
• “Network Bank” refers to a financial institution participating from time to time in the
clearXchange or Zelle digital payments network, other than J.P. Morgan Chase.
• “Network Bank Account” refers to an account registered with the person-to-person
transfer service of a Network Bank.
• “Repeating” refers to automatic recurring payment or transfer to the same To Account,
for the same amount which you can authorize for transmission.
• “Send On Date” refers to the date you select which will instruct us to begin the delivery
process and notify the recipient of the payment. NOTE: The date that we will deliver the
funds to recipient may vary depending on available funds, the Business Day on which it
falls, acceptance of the transfer or the recipient’s registration status in the Service or the
person-to-person transfer service of a Network Bank, Zelle or cXc and may be on or
 after the date entered in the sender’s Instructions.
• “Zelle” or “Zelle®” refers to a service of Early Warning Services, a digital payments
network and company. It provides no deposit account or other financial services. Zelle
neither transfers nor moves money. Users may not establish a financial account with
Zelle of any kind. All money will be transmitted by us and/or a Network Bank.
• “Zelle platforms” refers to the website, zellepay.com, and/or the Zelle mobile
application operated and made available by Zelle to certain Users as determined by
Zelle from time to time, including those who bank with an Out-of-Network Bank.