Chase Digital Services Agreement

Charges & Financial Obligations · Context

Investment Account is defined to include non-FDIC investment products

"Investment Account(s)" is defined as certain non-FDIC insured investment products and services offered by J.P. Morgan Chase and its affiliates. These may include bank-managed accounts and custody, trust and fiduciary services, as well as brokerage and advisory accounts offered through J.P. Morgan Securities LLC. A line directly after the definition states that the language does not explicitly reference JPMorgan Wealth Management, and the document does not explain what follows from that statement. Elsewhere, the QuickDeposit Addendum lists a J.P. Morgan Wealth Management investment account as an eligible account type.

Supporting quotations

“Investment Account(s)” is defined as including certain non-FDIC insured investment products and services offered by J.P. Morgan Chase and its affiliates, which may include bank-managed accounts and custody, trust and fiduciary services, as well as brokerage and advisory accounts offered through J.P. Morgan Securities LLC.

This language does not explicitly reference JPMorgan Wealth Management.

J.P. Morgan Wealth Management investment account

Qualifications & exceptions

• The definition says "may include", so the list is not a complete list of products.
• Investment products are described as non-FDIC insured.

Not stated here

• The effect of the sentence saying the language does not explicitly reference JPMorgan Wealth Management is not explained.

Charges & Financial Obligations · User right or choice

Alerts have no Chase fee, but carrier text charges apply; reply STOP to cancel

There is no service fee for Alerts, but you are responsible for any charges your communication service provider imposes, including text-message fees and message and data rates. To cancel Alerts sent by text, you send STOP to the shortcode given (a different shortcode applies to J.P. Morgan Online clients), and you expressly consent to a text confirming the STOP request. For help, you can text HELP or contact customer service at the numbers given.

Supporting quotations

There is no service fee for Alerts services but you are responsible for any and all charges, including fees associated with text messaging imposed by your Communication Service Provider if Alerts are sent via text message. Message and data rates may apply.

To cancel Alerts sent via text message, 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.

Qualifications & exceptions

• Different shortcodes and phone numbers apply to J.P. Morgan Online clients only.

Charges & Financial Obligations · Restriction or exception

Do not send trade orders or transaction instructions by email or text

You agree not to send securities trade orders or any other transactional instructions to Chase by email, text or other electronic means that Chase has not designed to accept them. Chase will not act on instructions sent that way and may not be able to respond quickly, for example because of time zone differences.

Supporting quotations

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.

Charges & Financial Obligations · Restriction or exception

Cutoff Times use Chase’s clocks; late instructions may process immediately

Cutoff Times in the Agreement are based on Chase’s internal system clocks, which may not match the clock on your computer or mobile device. Chase suggests sending Instructions well before a Cutoff Time so you do not miss it. An Instruction entered after the Cutoff Time with a Send On Date of the current day or the next Business Day may start processing immediately and may be funded before the requested Send On Date.

Supporting quotations

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.

Qualifications & exceptions

• The immediate-processing rule applies to Instructions with a Send On Date of the current day or next Business Day.
• Individual Addenda may state their own Cutoff Times.

Not stated here

• The General Terms do not state the actual cutoff hours; the Addenda do for specific Services.

Charges & Financial Obligations · Company practice

Scheduled transfers are reviewed and may be delayed, held or not approved

All scheduled funds transfer requests under the Agreement (for example ACH, bill payments, transfers, Zelle, wires and Real-Time Payments) are subject to internal review, including fraud review and, where applicable, review for OFAC or other regulatory compliance, which includes the recipient. Your transaction may be delayed or held and may not be approved, and Chase may need to contact you to verify information. During review Chase may subtract funds from your account or place a hold on your account, which may cause processing delays. After Chase releases the transfer, the recipient’s bank may delay credit because of its own review.

Supporting quotations

All scheduled funds transfer requests referenced in this Agreement (e.g., ACH, Bill Payments, Transfers, Zelle, Wires, Real-Time Payments, etc.) are subject to internal review, including but not limited to fraud review and, where applicable, for compliance with OFAC or other regulations, which includes the recipient of your transaction, and your transaction may be delayed or held 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 which 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.

Qualifications & exceptions

• Examples are introduced by "e.g.", so the list of payment types is not exhaustive.
• Compliance review applies where applicable.

Charges & Financial Obligations · Restriction or exception

Chase may rely on the payment details you give and is not liable for payment disputes

You agree Chase may rely on the payment details, instructions and recipient details you provide. Chase, its affiliates and third parties are not responsible or liable for damages for resolving payment disputes or other disputes about sending, receiving or requesting money through the Digital Platforms, Services or Products.

Supporting quotations

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 PLATFORMS, SERVICES, OR PRODUCTS WE OFFER.

Qualifications & exceptions

• The source states this in capital letters.

Charges & Financial Obligations · Procedure

Who pays arbitration fees: you pay the filing fee, with refunds and Chase-paid hearing fees

Unless the arbitration administrator waives it, you must pay the initial filing fee. If you and Chase settle before the hearing, Chase reimburses you up to $500 in filing fees as part of the negotiated settlement. If there is no settlement before the hearing, Chase also pays the arbitrator and administrator fees for the first two days of any hearing. If you are the prevailing party, Chase reimburses fees you paid to the arbitration organization or arbitrator. All other fees are split between you and Chase under the administrator’s rules and applicable law.

Supporting quotations

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.

Qualifications & exceptions

• The $500 reimbursement applies only when a settlement is reached before the hearing.
• Chase pays first-two-day hearing fees only when no settlement is reached before the hearing.
• Reimbursement of your fees applies if you are the prevailing party.

Charges & Financial Obligations · Context

Glossary: Business Day, Cutoff Time, Current Day and ET

"Business Day" means Monday through Friday excluding federal holidays; for Internal Transfers to or from Investment Accounts, Good Friday is also excluded. "Cutoff Time" is the time by which Chase must receive Instructions for them to count as entered on that Business Day, and each Addendum gives details; for example, the ACH Collections Addendum sets it at 7:00 p.m. ET. "Current Day" means a payment or transfer from an account held by Chase scheduled with a present-day Send On Date, or the next Business Day if scheduled after the Cutoff Time. "ET" is defined as Eastern Standard Time.

Supporting quotations

Refers to Monday through Friday, excluding federal holidays. For purposes of Transfers to or from Investment Accounts via Internal Transfers, the term. “Business Day” also excludes Good Friday.

Refers to the time by which we must receive Instructions to have them considered entered on that particular Business Day. See each Addendum for additional details.

“Cutoff Time” refers to 7:00 p.m. ET on any Business Day

Refers to a payment, including a Bill Payment, ACH Collection, or Transfer, from an account held by us that is scheduled with a present day Send On Date; or the next Business Day if scheduled after the Cutoff Time.

Refers to Eastern Standard Time.

Qualifications & exceptions

• The Glossary says to see each Addendum for Cutoff Time details.
• The Glossary defines ET as "Eastern Standard Time" without addressing daylight saving time.

Not stated here

• The Glossary does not say how ET applies during daylight saving time.

Charges & Financial Obligations · Context

Glossary: payment terms such as Funded, Cancelled, Funding Failed and Deliver By Date

"Funded" means the payment amount has been withdrawn from the available balance or available credit of your From Account. "Cancelled" means a payment or transfer, including an ACH Collection or ACH Payment, will be neither processed nor sent for any reason. "Funding Failed" means a payment or transfer will not be delivered after multiple unsuccessful attempts to withdraw funds from the From Account on consecutive Business Days, or when the institution holding your External Account says the transfer could not be completed. "Deliver By Date" is the date you would like the payment or transfer delivered to your intended recipient, which may or may not be the date the Payee posts it. "Delivery Method" is how the payment is transmitted, electronically or by check. "From Account" is the eligible account from which a requested payment, transfer or other transaction is made.

Supporting quotations

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 or Transfer, including any ACH Collection or ACH Payment, will neither be processed nor sent for any reason.

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 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 the date you would like your payment (including Bill Payment or ACH Payment) or Transfer delivered to your intended 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 electronically or via check).

Refers to an eligible account from which a payment, including a Bill Payment or ACH Payment, Transfer, or other transaction using the Services is being requested by you, from which such transactions will be made or transferred.

Qualifications & exceptions

• Funding Failed requires multiple unsuccessful withdrawal attempts on consecutive Business Days, or notice from the External Account institution.

Charges & Financial Obligations · Context

Glossary: ACH, Bill Payment, Chase Loan or Credit Account

In the Glossary, "ACH" means an electronic deposit to, or withdrawal from, your account sent or received through the automated clearing house network; the ACH Collections Addendum uses a narrower meaning for business customers enrolled in that Service. "Bill Payment" means a one-time or repeating payment from an eligible account to companies, merchants or individuals. "Chase Loan or Credit Account" means one of Chase’s loan or credit accounts (including a mortgage, auto or student loan or credit card) held in your name that you have listed as a Payee.

Supporting quotations

Refers to an electronic deposit to, or withdrawal from, your account that we receive or send through the “automated clearing house” network.

is used for business customers enrolled in the ACH Collections Service

Refers to a one-time payment or repeating payments made from an eligible account to companies, merchants, or individuals.

Refers to one of our loan or credit accounts (including a mortgage, auto or student loan or credit card) held in your name that has been listed as a Payee.

Qualifications & exceptions

• The Glossary and the Addenda define some terms differently; the Addendum definition governs its own Service.

Charges & Financial Obligations · Context

Glossary: External Account and External Transfers

An "External Account" is a checking or savings account held at an institution other than Chase and registered for External Transfers. Its account holder must be the same individual or business entity as the account holder of the Chase deposit, prepaid, line of credit, mortgage, installment loan or auto account that is authorized to access the Services. "External Transfers" is the part of the Transfers Service that lets you send Instructions for payments or transfers to or from accounts not held by Chase, to move funds between an eligible Chase account and an External Account.

Supporting quotations

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 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, 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.

Qualifications & exceptions

• The External Account holder must match the account holder of the authorized Chase account.

Charges & Financial Obligations · Context

Glossary: Instructions, Future Dated, Pending, Funds Needed, Processed and Paid

"Instructions" are the information you or the sender give Chase for a payment or Transfer to be delivered (including Payee or To Account name, account number and Deliver By Date), or for an ACH Collection from a Payor. "Future Dated" means Instructions not scheduled to begin processing on the current Business Day; only Business Days can be chosen, and Future Dated Collections include any Instruction entered after the Cutoff Time on a Business Day or on a non-Business Day. "Pending" is an Instruction you ordered that you have not Cancelled before the Cutoff Time on the Send On Date, and Future Dated ACH Collections and ACH Payments are Pending from entry until Chase releases them or they are Funded. "Funds Needed" means an Instruction was not processed because the From Account lacked funds or available credit after the first and/or second withdrawal attempt. "Processed" means an electronic payment has been sent to the payee; because electronic payees do not confirm receipt to Chase, you need to contact the payee for confirmation. "Paid" means a paper-check payment is complete because the check was presented to Chase.

Supporting quotations

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 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 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 Collections include any Instruction entered after the Cutoff Time on any Business Day or any Instruction entered on a non-

Business Day.

Refers to any Instruction that you have ordered or requested to be made which has not been Cancelled by you before the Cutoff 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”.

Refers to when an Instruction is not processed because the respective From Account had insufficient funds or available credit to complete the transaction after the first and/or second attempt to withdraw the funds.

Means an electronic payment has been sent to the payee; however, since electronic payees do not provide us with confirmation of receipt or processing of electronic payments, you need to contact payee directly for confirmation.

Means a payment made via paper check has been completed because the check has been presented to Chase for payment.

Qualifications & exceptions

• Processed does not mean the payee confirmed receipt.
• A Future Dated Collection includes an Instruction entered after the Cutoff Time or on a non-Business Day.

Charges & Financial Obligations · Context

Glossary: Investment Accounts, Items and Information Providers

"Investment Account(s)" is defined as certain non-FDIC insured investment products and services offered by J.P. Morgan Chase and its affiliates, which may include bank-managed accounts and custody as part of trust and fiduciary services, and brokerage and advisory accounts offered through J.P. Morgan Securities LLC; the opening notice gives the same definition in slightly different words. An "Item" is a paper check or other paper source document payable only in U.S. Dollars. "Information Providers" are the providers of securities prices and quotations on the Services, such as the New York Stock Exchange, the American Stock Exchange, NASDAQ and other exchanges, their affiliates, agents and other parties.

Supporting quotations

Refers to certain non-FDIC insured investment products and services offered by J.P. Morgan Chase and its affiliates, which may 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.

“Investment Account(s)” is defined as including certain non-FDIC insured investment products and services offered by J.P. Morgan Chase and its affiliates, which may include bank-managed accounts and custody, 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 payable in U.S. Dollars.

Refers to information providers for securities prices and quotations available on the Services. These will include such 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.

Qualifications & exceptions

• An Item must be payable only in U.S. Dollars.
• The Investment Account list uses "may include", so it is not exhaustive.

Charges & Financial Obligations · Context

Glossary: Sender, Receiver and Sending Financial Institution (Real-Time Payments)

A "Sender" is a Person that sends a payment through the Real-Time Payments Service and a "Receiver" is a Person that receives one. "Receiver Addressing Information" is addressing information for the Receiver, which may include the account number, routing number, phone number and/or email address, as applicable. "Sending Financial Institution" means Chase when you are the Sender, and means the financial institution that holds the Sender’s account when you are the Receiver.

Supporting quotations

Refers to a Person that sends a payment through the Real-Time Payments Service.

Refers to a Person that receives a payment through the Real-Time Payments Service.

Refers to addressing information of the Receiver, which may include the Receiver’s account number, routing number, phone number, and/or email address, as applicable.

Refers to us, when you are the Sender, and means the financial institution that holds the Sender’s account, when you are the Receiver.

Qualifications & exceptions

• Receiver addressing details are listed with "may include", so other details can apply.

Charges & Financial Obligations · Context

Glossary: Send On Date, Transfer Date, To Account, Transfers and related terms

Unless the Agreement defines it differently, "Send On Date" is the date Chase begins the delivery process, or sends a request to withdraw funds from your External Account and begins delivery; it may or may not be the date funds leave your From Account. "Transfer Date" is the date Chase begins delivery for Internal or External Transfers, meaning the date the Transfer request is sent. "To Account" is the account to which funds are transferred as you request through any Service. "Transfers" means moving funds electronically from one account to another under an Instruction. "Repeating Bill Payments" are automatic recurring Bill Payments or Transfers to the same Payee or To Account for the same (or, for variable automatic bill payments, varying) amount that you can authorize. "Regional ACH" is the applicable automated clearing house, "Rules" means the rules of NACHA and any Regional ACH, and "Systems" means all software, hardware or other equipment you need to access and use the Digital Platforms and Services.

Supporting quotations

Unless otherwise defined in this Agreement, refers to the date we will begin the delivery process or the date we will send a request 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 the date we will begin the delivery process for Transfers made via the Internal Transfer Service, or the External Transfer Service. For clarity, this is the date the Transfer request will be sent.

Refers to the account to which funds will be transferred as requested by you via any of the Services.

Refers to a transfer of funds pursuant to an Instruction to move funds electronically from one account to another.

Refers to automatic recurring Bill Payments or Transfers to the same Payee or To Account, respectively, for the same amount (or varying amount, in the case of variable automatic bill payments) which you can authorize for transmission.

Refers to the applicable automated clearing house.

Refers to the rules of NACHA and any Regional ACH.

Refers to all software, hardware or other equipment necessary for you to access and use the Digital Platforms and Services.

Qualifications & exceptions

• Send On Date can differ from the date money leaves your account, and individual Addenda may define it differently.

Charges & Financial Obligations · Restriction or exception

Aggregation data is "as is", not for trading, and Chase gives no advice

The Aggregation Service is provided "as is" and "as available" for information only, as a convenience, and is not meant to replace official records and statements about your assets and accounts. You should not rely on it for trading or transactions and should always verify the accuracy of Aggregated Data. The information is effective as of the most recent Aggregated Data transmitted from your Linked Accounts and may be inaccurate if a transmission did not complete or the Linked Account’s information is inaccurate or out of date. Chase relies on the information you provide about your Linked Accounts without further verification. In providing the service or with respect to Linked Accounts, Chase is not acting as your administrative or investment fiduciary, giving legal, tax or financial advice, or providing any financial service.

Supporting quotations

The Aggregation Service is provided “as is” and “as available” for informational purposes only as a convenience to you, and is not intended to replace official records and statements regarding your assets and accounts. You should not rely on this information for trading or transactional purposes, and should always verify the accuracy of Aggregated Data. Information will be effective as of the most recent Aggregated Data transmitted from your Linked Accounts and may not be accurate if that transmission was not successfully completed or the information from the Linked Account is otherwise not accurate or current, and we will rely on the information you provide regarding your Linked Accounts, without further verification or validation. We are not acting as your administrative or investment fiduciary, giving legal, tax, or financial advice, or otherwise providing any financial service in providing the Aggregation Service or with respect to Linked Accounts.

Charges & Financial Obligations · Restriction or exception

Aggregation Service: direct damages capped at $1.00

Despite the exclusions, the Addendum says Chase will in no event be liable to you for direct damages it causes in excess of $1.00, and that you agree to this limited remedy and that it survives a failure of its essential purpose.

Supporting quotations

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.

Qualifications & exceptions

• The cap is on direct damages caused by Chase.
• The cap applies to the Aggregation Service Addendum.

Cross-references

• narrows (model-proposed): Aggregation Service: Chase and its vendors are not liable for a long list of losses — narrows: The $1.00 cap on direct damages narrows the Aggregation Addendum’s broad exclusion of liability by stating a fixed ceiling for direct damages Chase causes.

Charges & Financial Obligations · Restriction or exception

ACH Collections: obtain Payor authorizations, no international ACH, accurate Instructions

You agree to obtain all authorizations required by applicable law and the NACHA Rules to originate Debit Entries to the Payor’s account, and to give Chase copies within the requested time if asked. You agree not to use the service for International ACH Transactions, which the Agreement prohibits. You also agree to take all appropriate measures to make sure the Instructions you submit are accurate (the Addendum repeats this sentence in a later paragraph).

Supporting quotations

You agree that you will obtain all authorizations necessary under applicable law and the NACHA Rules to originate Debit Entries to the Payor's account via the ACH Collections Service. You also agree to give us copies of the authorizations within the time period requested if we ask for them. You agree that you will not use this service for International ACH Transactions, which are prohibited under this Agreement. You further agree to take all appropriate measures to ensure the accuracy of the Instructions you submit.

You further agree to take all appropriate measures to ensure the accuracy of the Instructions you submit.

Qualifications & exceptions

• Authorizations must satisfy both applicable law and the NACHA Rules.

Charges & Financial Obligations · Procedure

ACH Collections: repeating collections move to the preceding Business Day when dates fall on non-Business Days

For Repeating ACH Collections, if the Send On date falls on a non-Business Day, it moves to the immediately preceding Business Day while the Deliver By date stays the same. If the Deliver By date falls on a non-Business Day, both the Send On date and the Deliver By date move to the immediately preceding Business Day. The Addendum states this rule twice, once with "Deliver By" and once with "ACH Deliver By Date".

Supporting quotations

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 Deliver By date of the ACH Collection will remain unchanged. If the Deliver By date of a Repeating ACH Collection falls on a non-Business Day, both the Send On date and the Deliver By date will be moved to the immediately preceding Business Day.

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.

Qualifications & exceptions

• Applies to Repeating ACH Collections only.

Charges & Financial Obligations · Procedure

ACH Collections: requirements, Payor information and authority to originate debits

To use the service you must keep a checking account with Chase and designate one eligible checking account as your Primary Account for recurring monthly service fees; you may name any eligible checking accounts as Deposit To accounts. You agree to use the service only for collections from Payors located within the United States, subject to Chase’s approval, and only for lawful purposes. You must provide enough online information to identify each Payor (including whether an individual or a business), direct your collection and let the Payor identify you as the originator of the Debit Entry, and complete required fields accurately. By giving Payor names and account information you authorize Chase to follow the Instructions it receives, and to update or change Payor information as requested or provided by the Payor. When Chase receives a collection Instruction in your name, it originates a Debit Entry to the Payor’s account on your behalf. Collections (other than repeating ones) initiated on a non-Business Day or after the Cutoff Time get a Send On Date of the next Business Day.

Supporting quotations

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.

Qualifications & exceptions

• Payors must be located in the United States, subject to Chase’s approval.
• Repeating collections are excluded from the next-Business-Day rule.

Charges & Financial Obligations · Restriction or exception

ACH Collections: cancel before cutoff, no amendments, limits and related Addenda apply

You can cancel a Pending Collection no later than the Cutoff Time on the Send On Date, and you cannot stop or cancel a collection after the Cutoff Time. You cannot amend or modify Instructions or Pending Collections once scheduled. You can request Current Day, Future Dated and Repeating ACH Collections from your Payor. Chase may from time to time set minimum and maximum transaction and daily dollar limits on ACH Collections, in its discretion. The Bill Payment Service and Transfers Service Addenda apply equally to ACH Collections as if restated here, unless the context clearly indicates otherwise.

Supporting quotations

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.

Qualifications & exceptions

• Cancellation deadline is the Cutoff Time on the Send On Date.
• The Bill Payment and Transfers Addenda apply unless the context clearly indicates otherwise.

Not stated here

• Dollar limits are not stated here; Chase may impose them.

Charges & Financial Obligations · Company practice

ACH Collections fees: $25 monthly, $0.25 extra per collection, $2.50 reversals and returns

For a J.P. Morgan Private Bank account, fees follow the applicable fee schedule. For all other accounts, Chase charges a recurring monthly service fee of $25.00, which covers 25 ACH Collections per month, plus $0.25 for each collection above 25 in a month. An additional $2.50 is charged each time a collection reversal is requested, and $2.50 each time an item is returned by the Payor’s bank for any reason ($3.00 for Chase Analysis Business Checking and Chase Analysis Business Checking with Interest accounts). The charges are assessed to the account you designated as the Primary Account. Chase reserves the right, from time to time and upon notice, to add, delete or modify charges.

Supporting quotations

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.

Qualifications & exceptions

• Private Bank accounts follow their own fee schedule.
• Fee changes are "upon notice to you".
• The returned-item fee is $3.00 for the two Chase Analysis Business Checking account types.

Charges & Financial Obligations · Procedure

ACH Collections: 7:00 p.m. ET cutoff, delivery date and when funds become available

Transmissions to Chase must be completed by its Cutoff Times for processing to start the same Business Day; later ones are processed the next Business Day. The current Cutoff Time for an ACH Collection is 7:00 p.m. ET. Funds from Current Day Collections made before the cutoff are added to the Deposit To account balance on the ACH Deliver By Date (at least one Business Day after the Send On Date) and become available three Business Days after that date, in each case subject to the Payor’s bank returning or reversing the Debit Entries. Repeating ACH Collections follow the same credit-and-availability timing. A returned or reversed collection is charged to the Deposit To account as provided in a cited section. Chase may at any time delay availability of funds from a Debit Entry until it can no longer be reversed under the Rules.

Supporting quotations

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.

Qualifications & exceptions

• Credit and availability are subject to return or reversal by the Payor’s bank.
• Chase can delay availability until the debit can no longer be reversed under the Rules.

Not stated here

• The charge-back is said to be "as provided in Section 9 of this Addendum"; the charge-back text appears under Section 10 (Rejections; Returns), and Section 9 is titled Processing; Transmittal.

Charges & Financial Obligations · Restriction or exception

ACH Collections: duplicate entries are processed and Chase can set exposure limits

Duplicate ACH Collections entered for the same amount, Payor name and ACH Deliver By Date are processed and released for collection, not blocked. Chase may from time to time set or change maximum dollar limits on the total value of all outstanding Debit Entries it will release on your behalf, and these limits can be revised or cancelled at any time without prior notice.

Supporting quotations

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

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.

Qualifications & exceptions

• Limits can change without prior notice.

Charges & Financial Obligations · Restriction or exception

ACH Collections go over the ACH network and are governed by the Rules

ACH Collections are sent over the ACH network and are allowed only to Payors with accounts at ACH member banks. Chase notifies you through a message on the Digital Platforms or by email only if there is a problem or error with the information you originally sent. Your Instructions and Chase’s processing and release of them to the ACH system follow the Agreement and the Rules, and the relationship between you and Chase for ACH Entries originated in your name is governed by the Rules as in effect from time to time, unless the Agreement or other agreements you have with Chase say otherwise. Undefined capitalized terms in the cited sections take the meanings in the Rules.

Supporting quotations

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 a message on our Digital Platforms or email only if there is a problem or an error with the information you originally transmitted.

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.

Qualifications & exceptions

• Notification occurs only if there is a problem or an error.
• The Rules govern except as the Agreement or other agreements provide.

Not stated here

• The sentence on undefined terms refers to "this Section 7" although it sits under Section 8, ACH Rules.

Charges & Financial Obligations · Procedure

ACH Collections: processing route, rejections and chargebacks

For Debit Entries to accounts of Receivers at JPMC ("On-Us Entries"), JPMC debits those accounts on its own books. For Entries intended for Receivers at other receiving banks (RDFIs), JPMC sends them to the applicable Regional ACH for onward transmittal. Chase notifies you of Instructions it rejects and of Debit Entries rejected or returned by the RDFI, and you are responsible for correcting and re-submitting proper Instructions. If a Debit Entry is returned or reversed for any reason after Chase credited your Deposit To account, or if final settlement is not received, Chase will charge the amount back to the Deposit To account or claim a refund from you.

Supporting quotations

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.

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.

Qualifications & exceptions

• Charge-back applies when a Debit Entry is returned or reversed after crediting, or final settlement is not received.

Charges & Financial Obligations · Procedure

ACH Collections reversals: call within five Business Days; no guarantee the other bank honors it

Reversal requests can be started only by calling Chase within five Business Days of the transaction settlement date, which is generally the same day as the ACH Deliver By Date. Requests received after that period will not be honored. Chase accepts reversal requests on the express understanding that it does not guarantee the receiving bank (RDFI) will honor them, and reversal requests and activity will not show on your Services status report.

Supporting quotations

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.

Qualifications & exceptions

• Phone only; five Business Days from settlement.
• No guarantee the RDFI honors the request.

Charges & Financial Obligations · Restriction or exception

ACH Collections: Chase may rely on account numbers, and you bear name-and-number mismatches

In processing Instructions and Entries issued in your name, Chase may rely on the identifying number (such as a bank routing number or Payor account number) of any bank or Payor named in the Instructions. The receiving bank may debit the Payor’s account based on an account number even if it identifies a different person. You take full responsibility for any inconsistency between the name and identifying number of any bank or Payor in your Instructions and the resulting Entries.

Supporting quotations

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.

Charges & Financial Obligations · Procedure

Cancelling ACH Collections: phone call, fees may continue for two months, no refund

You can cancel the ACH Collections Service by calling the number given (option 3), and Chase may also require your request in writing. After you cancel you can no longer use any of its features. Fees for the service continue to apply for up to two months after you cancel and you will not receive a refund of any fees. Cancellation does not affect your other Services or account relationships with Chase.

Supporting quotations

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.

Qualifications & exceptions

• Fees continue for up to two months after cancellation.
• No fee refunds.

Charges & Financial Obligations · Context

ACH Collections definitions: Deliver By Date, Cutoff Time, In Process, Payor and repeating collections

In this Addendum, "ACH" is the network used to route ACH Collections to Payor accounts for enrolled business customers, and an "ACH Collection" is a debit entry (sent via ACH or internally) taking money from the Payor’s account to a Deposit To account, available only to enrolled business customers. The "ACH Deliver By Date" is when collected funds are credited to the Deposit To account, with funds available three Business Days after the Deliver By Date, and is always at least one Business Day after the Send On Date. "Cutoff Time" is 7:00 p.m. ET on any Business Day. A "Debit Entry" is an electronic debit to a Payor’s account; a "Deposit To account" is the deposit account you keep with Chase to receive funds; "In Process" means a collection is no longer Pending and cannot be changed or Cancelled; a "Payor" has authorized you to initiate a Debit Entry; a "Repeating ACH Collection" is automatic recurring collection from the same Payor for the same amount, which you can set up to 365 days in advance; and "Send On Date" is the Business Day you choose for processing to begin.

Supporting quotations

“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.

“Cutoff Time” refers to 7:00 p.m. ET on any Business Day

“Debit Entry” refers to an electronic debit

“Deposit To account” refers to the deposit account

“In Process” refers to that an ACH Collection is no longer

“Payor” refers to a person or entity that has authorized you

“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

Qualifications & exceptions

• Funds availability is stated as three Business Days after the Deliver By Date.

Charges & Financial Obligations · Context

ACH Collections: Transaction Number confirms Chase received your Instructions

A "Transaction Number" is the number Chase sends in response to your Instructions to confirm that Chase received them. The definition says it confirms receipt of the Instructions, not that the collection was processed or completed.

Supporting quotations

“Transaction Number” refers to the number that we send in response to your Instructions to confirm that your Instructions have been received by us.

Qualifications & exceptions

• The definition describes confirmation of receipt only.

Charges & Financial Obligations · Context

ACH Payment Services: business customers, supervision, fewer protections and fraud review

This Addendum, labelled "For Business Customers Only" and last updated 12/11/2025, governs your use of the service to make an ACH Payment. Capitalized terms not defined in it take their meaning from the General Terms and Conditions, except as the Addendum says otherwise (the sentence cites "Section 13 below"). You must supervise the persons you authorize to use the service and are responsible for their use. Only business banking and private banking business customers who enter into an applicable deposit account agreement with Chase may use the service, and business customers may have fewer protections than consumer customers. Certain accounts may not be eligible to fund payments on chase.com. Same-Day ACH Payments follow the ACH Payment terms and pricing, with additional terms and fees. All payments are subject to review for fraud, regulatory or compliance purposes, which can delay or reject a transaction, and you will be notified when a transaction cannot be processed on the original Send On Date.

Supporting quotations

Addendum:

ACH Payment Services

(For Business Customers Only)

Last updated: 12/11/2025

This Addendum governs your use of the service for you to use to make an ACH Payment (the “ACH Payment Services” or for purposes of this Addendum, the “Services”). 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 Services on your behalf. You are responsible for your authorized users’ use of the ACH Payment Services.

You can use the ACH Payment Services 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 Services. Business customers may have fewer protections than consumer customers. Certain accounts may not be eligible to fund through ACH Payment Services 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 Services 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.

Qualifications & exceptions

• For business customers only; business customers may have fewer protections than consumer customers.
• Fraud, regulatory or compliance review can delay or reject a payment.

Not stated here

• The scope sentence cites "Section 13 below" for Addendum-specific definitions; in the supplied text Section 13 is "Cancellation of the ACH Payment Service" and the Definitions are Section 14.

Charges & Financial Obligations · Permission or license

ACH Payments: give accurate Payee information; you authorize debits and Payee updates

You must give Chase all the information needed to complete an ACH Payment, correctly, and say whether the Payee is a vendor or an Employee by marking the bank account type as Personal (Employee) or Business (Vendor). When you send Instructions you authorize Chase to complete them and to electronically debit the From Account listed. ACH Payments can go only to Payees in the United States with accounts at ACH member banks. You authorize Chase to update your Payee’s information if the Payee’s bank asks, Chase will notify you, and you agree to make the necessary changes on your own systems.

Supporting quotations

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 by indicating if the bank account type is a Personal (Employee) or Business (Vendor) account. 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’ banks asks us to do so. You will be notified when we update a Payee’s information. You additionally agree that you will make the necessary changes on your systems when we update a Payee’s information at their request and notify you.

Qualifications & exceptions

• Payees must be in the United States at ACH member banks.
• Chase notifies you when it updates Payee information.

Charges & Financial Obligations · Procedure

ACH Payments: Employee and Vendor Payees, records and separate entitlements

The service lets you designate payees by type: an employee (payments to personal accounts, which may appear as "Basic payroll" or "Payroll Payments") or a vendor (payments to businesses or individuals, which may appear as "ACH Payments" or "Vendor payments"). Employee payees must be paid to personal accounts. Chase may ask for an Employee’s voided check or deposit slip, and you must provide it if asked. The service should not be your permanent record for accounting, tax or any other purpose. Entitlements to pay employee or vendor Payees can be managed independently for authorized users.

Supporting quotations

ACH Payment Services allows you to designate payees by type of payment. The service supports payments to both personal and business DDA accounts. When creating payees, you must designate whether a payee should be considered an employee (payment to personal accounts) or a vendor (payments to business accounts). See Definitions below for more information. Payments to payees designated as “Employees” must be sent to personal accounts. These payments may appear as “Basic payroll” or “Payroll Payments.” Payments to payees designated as “Vendors” can be sent to businesses or individuals. These payments may appear as “ACH Payments” or “Vendor payments.” See table below for additional debit timing details for Payments to payees designated as Employees and Vendors.

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.

Entitlements to make Payments to employee or vendor Payees can be managed independently for authorized users.

Charges & Financial Obligations · Restriction or exception

ACH Payments: Chase can limit amounts; Same-Day payments are capped at $100,000

Chase may limit the amount you can send in one ACH Payment or in one day, may set lower limits for you, and may block or reject a transaction over the limit; you are notified of a blocked or rejected transaction through a message on the Digital Platforms or in your transaction history on Chase Online. The current limit for a single Same-Day ACH Payment is $100,000. Chase may set lower limits and block attempted Same-Day transactions over them, and may adjust the limits at any time in its sole discretion with notice to you.

Supporting quotations

We may limit the amount of money you can send in one (1) ACH Payment or in one (1) day. We may establish lower transaction limits for you and may block or reject any transaction that exceed(s) the limit(s). You will be notified when a transaction is blocked or rejected via a message on our Digital Platforms or in your transaction history on Chase Online. The current limit for a single Same-Day ACH Payment is $100,000. 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.

Qualifications & exceptions

• Limits may be lowered for you individually.
• Adjustments to limits come with notice to you.

Charges & Financial Obligations · Procedure

ACH Payments: 2:00 PM ET for Same-Day, 8:00 PM ET for Standard, and authorization by cutoff

Chase must receive your approved payment instruction before the Cutoff Time for the payment to be sent on the Send On date. The Cutoff Time is 2:00 PM ET for Same-Day ACH Payments and 8:00 PM ET for Standard ACH Payments. Both must be authorized, which includes Chase internal risk approval, by the Cutoff Time to be sent the same Business Day; payments not authorized by then expire at 11:59 PM ET on the Send On date. Authorized payments may still be delayed by Chase, including for internal review, and could be sent the next business day unless you cancel, which can result in a Same-Day ACH being sent the next business day and charged the Same-Day delivery fee.

Supporting quotations

We must receive your approved payment instruction before the Cutoff Time to send the payment on the Send On date (which could be the Same Business Day). The Cutoff Time for Same-Day ACH Payments is 2:00 PM ET and 8:00 PM ET for Standard ACH Payments. All Same- Day and Standard ACH Payments, must be authorized (which includes Chase internal risk approval) by the Cutoff Time to be sent on the same Business Day. Standard and Same-Day ACH payments not authorized by the Cutoff Time on the Send On date will expire at 11:59 PM ET on the Send On date. Note: authorized Same-Day ACH and Standard ACH Payments may be delayed by Chase, including, but not limited to, for internal review purposes, and could be sent the next business day unless cancelled by the user. This may result in a Same-Day ACH transaction being sent the next business day, which will be charged the Same-Day delivery fee.

Qualifications & exceptions

• Authorization includes Chase internal risk approval.
• A delayed Same-Day ACH can still be charged the Same-Day fee unless the user cancels.

Charges & Financial Obligations · Procedure

ACH Payments: when Chase debits your Pay From Account

If Chase receives Instructions after the Cutoff Time it may still debit your account that day, and it debits your Pay From Account based on the ACH Deliver By Date you choose. The timing table, whose columns are the type of ACH Payment From Account and when Chase debits the Pay From Account, says: approved Instructions received before the Cutoff Time on a Business Day are debited the calendar day you send; approved Instructions (other than Repeating ACH Payments or Employee payments) received after the Cutoff Time are debited the following Business Day; approved Instructions (other than Repeating ACH Payments or Employee payments) received on a non-Business Day are debited the next Business Day; and Repeating ACH Payment Instructions received at least one day before the Deliver By date are debited 1 Business Day before the ACH Deliver By Date.

Supporting quotations

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

| Type of ACH Payment From Account | When We Debit your Pay From Account |

| Approved Instructions received by us before the Cutoff Time for your Instruction on a Business Day | Calendar day you send |

| Approved Instructions (other than Repeating ACH Payments or Employee payments) received by us after the Cutoff Time | Following Business Day |

| Approved Instructions (other than Repeating ACH Payments or Employee payments) received by us on non- Business Day | Next Business Day |

| Repeating ACH Payment Instructions received by us at least one day before the Deliver By date | 1 Business Day before the ACH Deliver By Date |

Qualifications & exceptions

• The table has two columns: the type of instruction and when the debit happens.
• The Repeating and Employee payment rows are excluded from the after-cutoff and non-Business Day rows.

Not stated here

• The table may have further rows beyond those in this section.

Charges & Financial Obligations · Procedure

ACH Payments: debit timing for repeating and Employee payments

The timing table continues with these rows (column one is the type of instruction, column two is when Chase debits your Pay From Account): Repeating ACH Payment Instructions received at least one day before the Deliver By date are debited 1 Business Day before the ACH Deliver By Date; Repeating ACH Payment Instructions with a Deliver By date on a non-Business Day are debited 2 Business Days before that date; Employee ACH Payment Instructions received before the Deliver By date are debited 1 Business Day before the ACH Deliver By Date; Repeating Employee ACH Payment Instructions received before the Deliver By date are debited 1 Business Day before the ACH Deliver By Date; and Repeating Employee ACH Payment Instructions with a Deliver By date on a non-Business Day are debited 2 Business Days before the Deliver By date.

Supporting quotations

| Repeating ACH Payment Instructions received by us at least one day before the Deliver By date | 1 Business Day before the ACH Deliver By Date |

| Repeating ACH Payment Instructions with Deliver By date on a non-Business Day | 2 Business Days before date |

| Employee ACH Payment Instructions received by us before the Deliver By date | 1 Business Day before the ACH Deliver By Date |

| Repeating Employee ACH Payment Instructions received by us before the Deliver By date | 1 Business Day before the ACH Deliver By Date |

| Repeating Employee ACH Payment Instructions received by us with Deliver By date on non-Business Day | 2 Business Days before Deliver By date |

| Approved Instructions (other than Repeating ACH Payments or Employee payments) received by us on non- Business Day | Next Business Day |

Qualifications & exceptions

• Each row pairs an instruction type with the debit timing shown beside it.

Charges & Financial Obligations · Restriction or exception

ACH Payments: you need funds on the Send On Date; Chase may overdraw, retry or reject

You must have enough available funds in your From Account on the Send On Date, and if not, Chase need not follow your Instructions. Funds in your overdraft account count as available, and if you have overdraft protection, funds in the linked protecting account are eligible to be transferred to protect ACH Payments. You authorize Chase to debit the From Account even if it overdraws or increases an overdraft, and to debit accounts enrolled in overdraft protection. Chase is not liable for failing to pay if funds are insufficient. For a Current Day ACH Payment without enough funds, Chase rejects the Instructions and will not retry. For a Future Dated ACH Payment without enough funds on the morning of the Send On Date, Chase may reject the Instructions, overdraw your accounts and complete the payment, or try to debit up to two more times on the next two Business Days, showing "Funds Needed". If the payment fails six times it is Cancelled and shows "Funding Failed", and Chase notifies you by message or email each time it fails. If there is a problem with your From Account, Chase may not complete the payment.

Supporting quotations

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.

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

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 six (6) 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 a message on our Digital Platforms or email each time the ACH Payment fails. If there is a problem with your From Account, we may not complete the ACH Payment.

Qualifications & exceptions

• The outcome for Future Dated payments (reject, overdraw, or retry) is at Chase’s option.
• Current Day payments are not retried.

Not stated here

• The source describes two additional debit attempts and then a payment that "fails six (6) times" without explaining how failures are counted.

Charges & Financial Obligations · User right or choice

ACH Payments: cancel Pending payments by the Cutoff Time; no changes after scheduling

You can cancel any Pending ACH Payment by the Cutoff Time on the Send On Date. If Chase already debited your From Account, it refunds the funds for the Cancelled ACH Payment by the following Business Day. You cannot change Instructions or Pending payments after you schedule them. You can also cancel a Funded Employee payment if you contact Chase by the Cutoff Time on the Send On Date.

Supporting quotations

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.

Qualifications & exceptions

• Cancellation deadline is the Cutoff Time on the Send On Date.

Charges & Financial Obligations · Company practice

ACH Payments fees: per-payment fees, failed payment fees and a Same-Day fee

You choose a Primary Account when you enroll and authorize Chase to withdraw ACH Payment and Same-Day ACH fees from it. Chase may add, delete or change fees with notice to you. In the fee table (columns: Fee Type and Fee Amount), the standard-delivery ACH Payment fee is shown as $2.50 each for the first 10 payments and $0.15 per transaction after the first 10, and the Same-Day ACH Payment fee is 1% of the transaction amount up to $25.00 per transaction. Two rows deal with failed ACH Payments: $2.50 per return (Chase Analysis Business Checking), and a row saying Chase Analysis Business Checking with Internet accounts are $3. Fees generally appear one month in arrears on your statements, and fees may differ if you use a J.P. Morgan Private Bank account.

Supporting quotations

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 |

| ACH Payment Fee (Standard delivery) | First 10 payments $2.50 each $0.15 per transaction (after the first 10) |

| Failed ACH Payment accounts and Chase | $2.50 per return (Chase Analysis Business Checking) |

| Fee per Failed ACH Payment | Chase Analysis Business Checking with Internet accounts are $3 |

| Same-Day ACH Payment | 1% of transaction amount up to $25.00 per transaction |

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.

Qualifications & exceptions

• Fee changes come "with notice to you".
• Private Bank account fees may differ.

Not stated here

• The failed-payment rows of the fee table appear scrambled in the supplied text (labels and amounts do not line up cleanly), so exactly which account types pay $2.50 or $3 per failed payment cannot be confirmed from the text.

Charges & Financial Obligations · Restriction or exception

ACH Payments: delivery date is not guaranteed and Chase is not responsible for Payee bank timing

Chase cannot guarantee an ACH Payment will be delivered on the ACH Deliver By Date you choose. Usually the Deliver By Date is the Business Day after the Send On Date, but it may take longer. For Same-Day ACH payments before the Cutoff time the Send On and Deliver By Dates are the same; after the Cutoff time the Deliver By Date changes to the next Business Day. The Payee’s bank may take longer to post the payment, and Chase is not responsible for the timeliness of funds availability at the Payee’s bank.

Supporting quotations

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 Cutoff time will be the same. After the Cutoff 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.

We are not responsible for the timeliness of funds availability

Charges & Financial Obligations · Company practice

ACH Payments: duplicates are sent if funded; problems are notified by message or email

Chase 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. Chase notifies you of a problem with your Instructions with a message on the Digital Platforms or to the primary email address on file.

Supporting quotations

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.

We will notify you if there is a problem with your Instructions with a message via a message on our Digital Platforms or your primary email address on file.

Charges & Financial Obligations · Restriction or exception

ACH Payments: the ACH Rules govern, Chase may audit, and credits are provisional

Capitalized terms not defined in the Addendum or the General Terms take their definitions from the ACH Rules. The ACH Rules govern Entries Chase sends on your behalf unless you and Chase agree otherwise, and you and Chase are bound by them. Chase may audit your compliance with the ACH Rules. A Credit Entry by the receiving bank to the Receiver is provisional until that bank receives final settlement; if it does not, it may refund the amount, and you are not deemed to have paid the Receiver that amount.

Supporting quotations

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.

Qualifications & exceptions

• Credit Entries are provisional until final settlement.

Charges & Financial Obligations · Procedure

ACH Payments: how Entries are sent, and rejections, returns and Employee payment chargebacks

For Entries to accounts of Receivers held by Chase ("On-Us Entries"), Chase debits or credits the Receivers’ accounts on its books. For Entries to Receivers at other RDFIs, Chase sends them to the Regional ACH network to reach those banks. Chase may reject your Instructions for any reason. It notifies you when it or the RDFI rejects or returns your Instructions, by message on the Digital Platforms or to your primary email address on file, and you must correct and re-send any rejected Instructions you still want to send. Chase credits your account for a returned Credit Entry when it receives settlement for it, for ACH Payments other than Employee payments. If Chase does not receive final settlement for an Employee payment for any reason, it charges the amount back to the From Account or claims a refund from you.

Supporting quotations

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.

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 via a message on our Digital Platforms 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.

Qualifications & exceptions

• Chase may reject Instructions for any reason.
• Credit for returned entries is given when settlement is received, for payments other than Employee payments.

Charges & Financial Obligations · Procedure

ACH Payments: reversal requests within five Business Days; funds held seven Business Days

You can ask for a reversal by calling Chase or visiting Chase Online within five Business Days of the ACH Deliver By Date. Chase does not accept late requests and does not promise the receiving bank will honor a request. When you start a reversal request, Chase credits your From Account for the reversal and places a hold on the funds for seven Business Days. If the receiving bank does not accept the request, Chase debits the reversal amount from your From Account, and it also debits the From Account if it does not receive final settlement. Reversal requests do not appear on your Services status report.

Supporting quotations

You can request a reversal by calling us at 877-CHASEPC (877-242-7372) or by visiting Chase Online 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.

Qualifications & exceptions

• Request window is five Business Days from the ACH Deliver By Date.
• No promise that the RDFI honors the request.

Charges & Financial Obligations · Restriction or exception

ACH Payments: Chase may rely on account numbers; you are responsible for name mismatches

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

Supporting quotations

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.

Charges & Financial Obligations · Procedure

Cancelling the ACH Payment Service: phone call, fees for up to two months, no refund

You can cancel the ACH Payment Service by calling the number given (option 3), and Chase may also require your request in writing. After cancelling you can no longer use its features. Fees for the service continue to apply for up to two months after you cancel, and fees are not refunded. Cancellation does not affect your other Services or account relationships with Chase.

Supporting quotations

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.

Qualifications & exceptions

• Fees continue for up to two months after cancellation.
• No fee refunds.

Charges & Financial Obligations · Context

ACH Payments definitions: ACH Deliver By Date and ACH Payment

In the ACH Payment Services Addendum, the "ACH Deliver By Date" is the date by which an ACH Payment will be delivered to the Payee’s account, and an "ACH Payment" is an electronic fund transfer sent through the ACH network to move money to a Payee’s account, including both Standard ACH Payments and Same-Day ACH Payments.

Supporting quotations

“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.

Charges & Financial Obligations · Context

ACH Payments definitions: ACH Rules, Employee, Same-Day, Standard and Vendor payments

In the ACH Payment Services Addendum, "ACH Rules" are the NACHA Rules and the rules of any regional ACH network. An "Employee" is a type of Payee to whom you direct an Employee payment, and an "Employee payment" is an ACH Payment for direct deposit of an Employee’s wages or other compensation. "In Process" means an ACH Payment is no longer Pending or Funded and cannot be changed or Cancelled. A "Repeating ACH Payment" is an automatic recurring ACH Payment to the same Payee for the same amount, which you can authorize up to 365 days in advance. A "Same-Day ACH Payment" has expected settlement by end of day on the day it is sent, while a "Standard ACH Payment" has expected settlement within 1-2 Business Days from the day it is sent. "Send On Date" is the Business Day you choose for the payment to start processing. A "Vendor" is a type of Payee designated for electronic payments deposited into business or personal accounts, and a "Vendor ACH Payment" is an ACH Payment to your vendors, suppliers or, as worded, an Employee’s wages or other compensation.

Supporting quotations

“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

“Standard ACH Payment” refers to an ACH Payment with expected settlement within 1-2 Business Days from the day the transaction is sent.

“Vendor" means a type of Payee to whom you designate for electronic payments deposited into business or personal accounts;

“Vendor ACH Payment" means a type of ACH Payment sent via the ACH network for electronic payments to your vendors, suppliers or Employee's wages or other compensation.

Qualifications & exceptions

• Settlement times are "expected", not guaranteed.
• The Vendor ACH Payment definition mentions Employee wages, which overlaps with the Employee payment definition.

Charges & Financial Obligations · Context

Bill Payment Service: scope, eligibility and Chase’s right to restrict Payees

This Addendum, last updated 1/25/2024, governs your use of the service to make Bill Payments. Capitalized terms not defined in it take their meaning from the preamble of the Agreement or the General Terms and Conditions (such as the Glossary), except as the Addendum says otherwise (it cites "Section 11 below"). Not all accounts are eligible: Chase reserves the right to limit eligibility to certain account types and change that over time, and in its sole discretion to restrict the categories or number of recipients or Payees to whom Bill Payments can be made. Eligible accounts are described later in the Addendum.

Supporting quotations

Addendum:

Bill Payment Service

Last updated: 1/25/2024 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).

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.

Qualifications & exceptions

• Chase can change which accounts are eligible over time.
• Restrictions on Payees are in Chase’s sole discretion.

Charges & Financial Obligations · Restriction or exception

Bill Payments: sent or completed payments cannot be cancelled; no international ACH

When you use, or allow another person to use, the Bill Payment Service to send Instructions to Chase, you agree to this Addendum. You agree not to use the service for international ACH transactions, which are prohibited. Once a Bill Payment has a status of "Sent" or "Completed", you cannot cancel it. Your Bill Payments appear on the statements of your accounts. Certain payments available through the Services, such as online wire transfers, payroll and tax payment services and Zelle, may be subject to separate terms and authorizations, so you should refer to the agreements you receive for them. You agree to keep a working email address on your online profile while you use the service, and to follow other written requirements Chase gives you for your deposit, credit card and loan accounts that can be accessed through the service.

Supporting quotations

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 update your email address if it changes, and maintain a working email address on your online profile at all times you use the Bill Payment Service. 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, 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.

Qualifications & exceptions

• Sent and Completed payments cannot be cancelled.
• Separate terms may apply to wire, payroll, tax and Zelle payments.

Charges & Financial Obligations · Procedure

Bill Payment cutoffs to schedule: mortgages, commercial term lending and home equity or personal loans

Cutoff Times to schedule Bill Payments, all in ET, depend on where the payment goes and which account funds it. To J.P. Morgan Chase mortgage loans: 7:30 p.m. on any Business Day from a Chase checking or prepaid account, and 8:00 p.m. on any Business Day from a non-Chase checking account. To Chase commercial term lending mortgage loans: 8:00 p.m. on any Business Day from either a Chase checking or prepaid account or a non-Chase checking account. To Chase home equity or personal loan or line of credit accounts: 11:59 p.m. on any day from a Chase checking or prepaid account (Future Dated payments can be made by 11:59 p.m. on any Business Day), and 8:00 p.m. on any Business Day from a non-Chase checking account.

Supporting quotations

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

Qualifications & exceptions

• The cutoff depends on both the destination type and the funding account type.
• Future Dated payments to home equity, personal loan and line of credit accounts must be made by 11:59 p.m. on a Business Day.

Cross-references

• contrast (model-proposed): Transfers cutoff table, mortgage payments: 7:30 PM ET from Chase deposit accounts, 8:00 PM ET from others — contrast: For payments to Chase commercial term lending mortgage loans, the Bill Payment Addendum lists 8:00 p.m. ET for payments from a Chase checking or prepaid account, while the Transfers cutoff table lists 7:30 PM ET from a Chase eligible deposit account (and 8:00 PM ET from a non-Chase deposit account); the document does not say which governs.

Charges & Financial Obligations · Procedure

Bill Payment cutoffs to schedule: Chase loan or credit accounts and non-Chase payees

To J.P. Morgan Chase Loan or Credit Accounts, the cutoff to schedule is 11:00 p.m. ET on any Business Day for payments from a Chase checking or prepaid account, and 8:00 p.m. ET on any Business Day for payments from a non-Chase checking account. For Bill Payments to non-Chase accounts (excluding payments made using a Chase credit card), where the Send On Date is a Business Day, the cutoff is 8:00 PM on that Send On Date.

Supporting quotations

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

Qualifications & exceptions

• Payments made using a Chase credit card are excluded from the non-Chase account cutoff.

Charges & Financial Obligations · Procedure

Bill Payment cutoffs to cancel, by destination and funding account

Cutoff Times to cancel Bill Payments, in ET: for payments to Chase home equity, personal loan or line of credit accounts, 8:00 p.m. for same-day payments from a Chase deposit or prepaid account if scheduled before 8:00 p.m., 11:00 p.m. for same-day payments from a Chase deposit or prepaid account if scheduled after 8:00 p.m., and 8:00 p.m. on the Payment date for Future Dated payments from a Chase deposit or prepaid account or a non-Chase checking account. For Chase mortgage loans: 7:30 p.m. on any Business Day from a Chase checking or prepaid account and 8:00 p.m. from a non-Chase checking account. For commercial term lending mortgage loans: 8:00 p.m. on any Business Day from either. For Chase Loan or Credit Accounts: 11:00 p.m. from a Chase checking or prepaid account and 8:00 p.m. from a non-Chase checking account. To cancel a Bill Payment you should cancel it online. A "Payment date" is the date you would like your payment sent, including payment to your Chase Loan or Credit Account.

Supporting quotations

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.

“Payment date” refers to the date you would like your payment sent

Qualifications & exceptions

• Cancellation is online.
• A payment already Sent or Completed cannot be cancelled.

Charges & Financial Obligations · Procedure

Cancelling Bill Payments to non-Chase accounts: 10:00 a.m. ET for automatic and future-dated payments

To cancel a Bill Payment you should do so online. For Bill Payments to non-Chase accounts (excluding payments made using a Chase credit card), automatic and future-dated payments must be cancelled before 10:00 a.m. ET on the day the payment is to be processed. For all other Bill Payments with a Send On Date on a Business Day, the cutoff is 8:00 p.m. ET on that Send On Date.

Supporting quotations

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

Qualifications & exceptions

• The earlier 10:00 a.m. ET cutoff applies to automatic and future-dated payments.

Charges & Financial Obligations · Company practice

Bill Payment fees: no monthly fee, but overdraft or credit limit charges may apply

Unless your deposit account agreement or other applicable account agreement says otherwise, Chase does not charge a monthly service fee for the Bill Payment Service. If Chase processes a Bill Payment per your Instructions that overdraws your From Account or exceeds your Chase credit card limit, it may assess a fee or charge interest under your deposit account agreement or other applicable agreement. Chase is not responsible for a Bill Payment request if the From Account lacks the money or the request exceeds your credit card limit.

Supporting quotations

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.

Qualifications & exceptions

• No monthly fee applies unless another agreement provides otherwise.
• Overdraft or interest charges follow your account agreement.

Charges & Financial Obligations · User right or choice

Recurring Bill Payments: same day each month, printed authorization, stop orders three Business Days ahead

Recurring Bill Payments for the same fixed amount each month are sent on the same calendar day each month, or the next Business Day if the Send On Date falls on a non-Business Day, and are deducted from your From Account or charged to your Chase credit card on the Send On Date. To authorize one you agree to have a means to print a copy of your authorization; if you have no printer you agree to authorize each Repeating Bill Payment transaction-by-transaction until you do. If you order Chase to stop a Recurring Bill Payment three Business Days or more before the Send On Date and it does not, Chase is liable for those losses or damages as provided by law. If you cannot access the Online Services you may call customer service or write to the address given; if you call, Chase may require your request in writing within fourteen days after the call.

Supporting quotations

Recurring 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 following Business Day if the regular Send On Date falls on a non-Business Day. Recurring 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 Recurring Bill Payment, you agree to have means to print a copy of your authorization for your records.

If you order us to stop a Recurring 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.

Qualifications & exceptions

• The liability promise applies to stop orders given three Business Days or more before the Send On Date.
• Liability is "as provided by law".
• A phone request may need written confirmation within fourteen days.

Charges & Financial Obligations · Context

Automatic payments to Chase loans and credit accounts differ from Repeating Bill Payments

Some Chase Loan and Credit Accounts allow you to set up automatic payments. Automatic payments differ from Repeating Bill Payments because they are triggered by the account’s billing date and the payment amount may vary each month. The terms for automatic payments to Chase Loan and Credit Accounts are shown to you when you set them up.

Supporting quotations

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.

Qualifications & exceptions

• Available for some Chase Loan and Credit Accounts only.

Not stated here

• Those separate terms are presented at set-up and are not part of this source.

Charges & Financial Obligations · Restriction or exception

Bill Payments: sufficient funds, overdraft, retries and cancellation after failed debits

You authorize Chase to remove funds from your From Account for all Bill Payments you start and agree to have enough available funds on the Send On Date or Payment date. If you have overdraft protection, the funds in that account count as available. A Current Day Bill Payment without enough funds is immediately rejected and not retried. For Future Dated payments without enough funds Chase may reject the request, or accept it and process the payment even if that exceeds your credit limit or overdraws your account. Alternatively Chase will try to debit your account up to two more times on each of the three succeeding Business Days, showing "Funds Needed", and after the final attempt the payment is Cancelled and shows "Funding Failed". Chase sends a message for each failed attempt. You agree Chase may, at its option, follow your Instructions even though the debit may exceed your credit limit or cause or increase an overdraft, and may charge any of your other accounts for an overdraft in your From Account.

Supporting quotations

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.

Qualifications & exceptions

• The outcome for Future Dated payments is at Chase’s option.
• Current Day payments are not retried.
• Chase may charge any of your other accounts for an overdraft of your From Account.

Charges & Financial Obligations · Permission or license

Chase credit card can be used for eligible healthcare provider Bill Payments, without retry

For Bill Payments to certain eligible healthcare providers only, you authorize Chase to charge your Chase credit card for eligible Bill Payments you start with it, and you agree to have enough available credit on the Send On Date or Bill Payment date. If the card payment is rejected for any reason, Chase will not retry and will notify you of the failed attempt. You agree Chase may, at its option, follow your Instructions to pay a named Payee even though the charge may push you over your credit limit.

Supporting quotations

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.

Qualifications & exceptions

• Limited to certain eligible healthcare providers.
• Rejected card payments are not retried.

Charges & Financial Obligations · Company commitment

Late Bill Payments: Chase disclaims Payee charges except late fees it causes, under the Bill Pay Guarantee

Chase is not responsible for over-the-credit-limit fees, charges or other actions by a Payee resulting from a late Bill Payment, including finance charges or late fees. The exception is that if Chase causes processing delays that make your Bill Payment late, Chase is responsible for late fees only, under its Bill Pay Guarantee. The Guarantee says that if Chase causes processing delays of your online or mobile Bill Payments, or online or mobile payments to a Chase Loan or Credit Account made from a Chase checking account or credit card, that result in late fees, Chase covers 100% of those fees. It covers everything within Chase’s control but not losses you cause or delays not caused by or within Chase’s control. As a precondition you agree not to enter agreements one of whose purposes is to generate late payment fees, and you bear the risk of late charges if you do not follow the procedures or otherwise misuse the service.

Supporting quotations

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.

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:

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.

Qualifications & exceptions

• Chase covers late fees only, not other charges.
• The Guarantee applies to processing delays Chase causes.
• The Guarantee covers payments made from a Chase checking account or Chase credit card.
• You must not enter agreements aimed at generating late payment fees.

Not stated here

• The Guarantee lists examples of delays outside Chase’s control in the list that follows the quoted sentence.

Charges & Financial Obligations · Restriction or exception

Bill Payments: eligible accounts, allowed Payees, prohibited payments and the $100,000 daily limit

Bill Payments can be one-time or Recurring payments to companies, merchants or individuals you designate as a Payee to pay bills such as rent, utilities or car payments, including Chase for payments to Chase Loan or Credit Accounts. You must have an eligible checking account, asset management account or Investment Account with Chase (or a Chase credit card for certain healthcare payments) and name one eligible account as your From Account. Eligible accounts do not include a Chase home equity line of credit or other line of credit account, except Chase credit cards. Chase can decide eligibility and restrict recipient categories in its sole discretion. Payees must be in the United States, subject to Chase’s and the Payee’s approval, and you agree not to use the service to pay tax obligations, court-ordered amounts such as alimony or child support, fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law. The minimum Bill Payment is normally $0.01, and the default maximum total of all Bill Payments is $100,000.00 in the aggregate for any Business Day, which Chase may modify in its sole discretion at your request without the change necessarily appearing in these Terms.

Supporting quotations

Bill Payments can be used to make one-time or Recurring 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. 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 (or Chase credit card for certain healthcare payments as provided below) 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 default maximum total dollar amount of all Bill Payments is $100,000.00 in the aggregate attributable to any Business Day. We may modify this limit in our sole discretion at your request, and you acknowledge that a modified limit may not be reflected in these Terms.

Qualifications & exceptions

• Payees must be in the United States and approved by Chase and the Payee.
• A modified limit may not be reflected in these Terms.

Charges & Financial Obligations · Permission or license

Bill Payments: you authorize payments, Payee updates and unsigned Drafts drawn on your account

You must give Chase enough online information to identify each Payee, direct your payment and let the Payee identify you as the source, and complete required fields accurately. By giving Payee names and account information, you authorize Chase to follow your Instructions and to update or change Payee information (including account information, name and mailing address) as requested by the Payee, the U.S. Post Office or through other tools Chase uses. When Chase receives an Instruction it sends funds to the Payee on your behalf from your From Account or charged to your Chase credit card, and you authorize those charges for all Bill Payments you authorize. Chase and its agents may prepare Drafts drawn on your From Account, charge your Chase credit card and/or electronically debit your From Account to make payments, and Chase may accept and charge any such Draft even if it does not bear your signature. A "Draft" is a check or other negotiable instrument prepared by Chase or its agents under your Instructions.

Supporting quotations

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.

“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.

Qualifications & exceptions

• Drafts can originate from Chase or any U.S. financial institution it or its agents use.

Charges & Financial Obligations · Company practice

Bill Payments have no payment stub, so some Payees post later; delivery is electronic or by check

Because Instructions are sent from your computer or mobile device, the Bill Payment is not sent to the Payee with a payment stub. Payments received without a stub are sometimes processed at a different location, and some Payees may take longer to post them, although federal regulations may limit certain creditors, such as credit card issuers, to up to five days. Chase recommends contacting Payees to confirm the address and scheduling payments early enough to be sent and posted. Chase sends Bill Payments by electronic funds transfer or paper check depending on the Payee’s method of receiving payments (excluding Chase credit card Bill Payments), and the Delivery Method and expected lead time are shown on screen when you schedule the payment.

Supporting quotations

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. 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 funds transfer 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.

Qualifications & exceptions

• Delivery Method depends on the Payee.
• Excludes Chase credit card Bill Payments.

Charges & Financial Obligations · Restriction or exception

Bill Payment Delivery Method can change; late payments from that are outside the Guarantee

A Payee’s Delivery Method can change. If a Payee stops accepting electronic payments, payments to that Payee are sent by paper check and the Send On Date moves to five Business Days before the Deliver By Date for all later payments and, with sufficient notice from the Payee, for the current payment. If a Payee starts accepting electronic payments, payments are processed electronically with the Send On Date adjusted. If an electronic payment cannot be delivered, Chase may resubmit it by check. Chase emails you only if the Delivery Method for scheduled payments changes to a slower one. Once an electronic payment shows as "Processed", Chase no longer controls or receives updates on it and you must contact the Payee. A payment sent electronically to a Payee who can no longer accept that method may be late, Chase is not responsible for resulting late charges, and late payments from Delivery Method changes are explicitly excluded from the Guarantee.

Supporting quotations

The Delivery Method for a Payee is subject to change. If a Payee no longer accepts electronic payments, 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 if the Payee provides us with sufficient notice, for the most current payment. 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 case of payment delivery errors, we will modify the payment delivery method accordingly, i.e. if an electronic payment is undeliverable or Payee cannot accept an electronic payment due to a temporary issue, the payment may be resubmitted by check. We will notify you via email if the Delivery Method indicated for your scheduled payments changes to a slower Delivery Method, i.e. one that increases the delivery time of your payment; otherwise, you will not be notified of Delivery Method changes. Once an electronic payment is indicated on screen as “Processed,” we no longer control or receive updates on the payment status and you will need to contact your Payee for further information. 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.

Qualifications & exceptions

• You are told only about changes to a slower Delivery Method.
• Late payments arising from a Payee’s Delivery Method change are excluded from the Bill Pay Guarantee.

Charges & Financial Obligations · Restriction or exception

Select a Deliver By Date well before the due date, not the late date

Most Bill Payments are expected to arrive by the Deliver By Date, but because of circumstances beyond Chase’s control, especially slow handling and posting by Payees or financial institutions, some may take a few days longer to be credited. The source states in capital letters that you need to choose a Deliver By Date well before the actual due date (not the late date) so your payment arrives on or before the due date and not after it or during a grace period.

Supporting quotations

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.

Qualifications & exceptions

• The choice of date is placed on you.

Charges & Financial Obligations · Restriction or exception

Variable automatic Bill Payments may be missed if the e-Bill arrives late

You can set up variable automatic Bill Payments for select Payees participating in e-Bills. They differ from Repeating Bill Payments because they are triggered by the billing date and/or bill due date you set and the amount may vary each month. Because of circumstances beyond Chase’s control, particularly when the Payee is late providing the e-Bill or Chase receives it too close to, on or after the due date, the source says Chase may be unable to pay that bill and you must make other payment arrangements directly with the Payee. These terms apply in addition to the Repeating Bill Payment terms in the cited Section 5(b), and additional terms may be shown when you set up the payment.

Supporting quotations

iv. 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.

Qualifications & exceptions

• Available for select Payees participating in e-Bills.
• If the e-Bill is received too late Chase may be unable to pay it.

Not stated here

• Additional terms for variable automatic Bill Payments may be presented at set-up and are not in this source.

Charges & Financial Obligations · User right or choice

Cancelling Bill Payments: before the Cutoff Time on the Send On Date; credit card payments until sent

You can cancel any Pending or Funded Bill Payment no later than the Cutoff Time on the Send On Date, and funds are returned to your From Account by the following Business Day. You cannot stop a Bill Payment after the Cutoff Time has passed. For Chase credit card Bill Payments only, the Cutoff Times do not apply and you may cancel the payment any time before it is sent.

Supporting quotations

v. 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.

Qualifications & exceptions

• Chase credit card payments follow a different rule: cancel any time before sent.

Charges & Financial Obligations · Procedure

Bill Payments to Chase loans and credit accounts: Business Day payment dates and daily limit

For Bill Payments to Chase Loans or Credit Accounts, only Business Days can be chosen as Payment dates, and Instructions must be received by the Cutoff Time to receive credit that same Business Day; Instructions received on a non-Business Day or after the Cutoff Time are processed the next Business Day. For Chase home equity, personal loan or line of credit accounts, same-day payments from a Chase deposit or prepaid account made before the Cutoff Time on any day are credited with the date submitted, while Future Dated payments and payments from a non-Chase checking account must use Business Days and follow the same Cutoff rule. Payments to a Chase Loan or Credit Account from an account held by Chase can be up to the available balance in the From Account (plus any available balance in associated overdraft protection) per day. Payments to Chase credit card accounts have separate payment date options and terms shown when you give Instructions.

Supporting quotations

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.

Qualifications & exceptions

• Rules differ for home equity, personal loan and line of credit accounts and for Chase credit card accounts.

Not stated here

• The separate terms for Chase credit card account payments are shown at the time of the Instruction and are not in this source.

Charges & Financial Obligations · Procedure

Paying healthcare providers by Chase credit card: availability, cancellation until sent, no dual-control approval

If you keep an eligible checking, asset management or Investment Account and name an eligible account as your Pay From account, you may be able to use a Chase credit card to pay certain healthcare providers listed in the Bill Pay directory. The card shows as a payment option only when the provider is eligible. You may be able to schedule a one-time, future-dated or recurring payment this way and can cancel it any time before it is sent, but sent credit card payments are authorized immediately and cannot be cancelled. These terms apply in addition to, and override in a conflict, other Bill Payment terms. For Business Accounts, even if dual control is turned on, healthcare provider payments by Chase credit card are not submitted for approval.

Supporting quotations

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.

Qualifications & exceptions

• Only certain healthcare providers in the Bill Pay directory are eligible.
• These terms prevail over other Bill Payment terms in a conflict.
• Business Accounts: dual control approval is skipped for these payments.

Charges & Financial Obligations · Company practice

Duplicate Bill Payment requests may show a warning you can bypass

If you submit a duplicate Bill Payment request, an error message may appear on Chase’s website, but you can bypass the message and schedule the payment. A duplicate payment to a Chase Loan or Credit Account may show an error and may not be permitted. No error message appears for duplicate Bill Payments made through different methods (for example the Bill Payment Service), and those payments are processed as normal.

Supporting quotations

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 the payments will be processed as normal.

Qualifications & exceptions

• Duplicates to Chase Loan or Credit Accounts may be blocked.

Charges & Financial Obligations · Company practice

Uncashed Bill Payment checks go stale, usually after 90 days

Paper checks issued to your Payees are not negotiable after the period noted on the check, usually ninety days. If a Payee does not cash a check within that period, Chase notifies you and credits your From Account. Chase has no liability to you, your Payee or anyone else for refusing payment on a check that remains outstanding after the negotiable period ends.

Supporting quotations

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.

Qualifications & exceptions

• Usually ninety days, as noted on the check.

Charges & Financial Obligations · Permission or license

Chase may refuse to pay any Payee you name; some refusals need no notice

Chase reserves the right to refuse to pay any Payee you designate and will notify you promptly if it does. Chase does not have to notify you if you try to pay Payees for payments related to Prohibited Activities as defined in your deposit account agreement, tax or court-related payments, or payments to Payees outside the United States, each of which is prohibited under this Addendum.

Supporting quotations

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.

Qualifications & exceptions

• No notice is required for the three prohibited categories listed.

Charges & Financial Obligations · Restriction or exception

e-Bills: Payees approve requests, all account holders are bound, and you chase missing bills

Participating Payees set their own criteria and have sole discretion to accept or decline your e-Bill request; Chase does not take part in the decision, and approval generally takes up to five Business Days. By requesting electronic bills you warrant that you have the right, power and authority to receive them. Any individual borrower, account holder or authorized user on your loan, line of credit or account can enrol, and the terms apply to all of them individually and jointly regardless of who enrols. Chase takes no responsibility if a Payee does not provide the data needed to forward an e-Bill in time; if you do not receive a bill it is your responsibility to contact the Payee, Chase is not responsible for late charges or other adverse consequences, and questions about bill details go to the Payee.

Supporting quotations

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.

Qualifications & exceptions

• Approval time is generally up to five Business Days but is the Payee’s decision.

Charges & Financial Obligations · Restriction or exception

e-Bills may differ from paper bills; Chase shows them as the Payee provides

An e-Bill may or may not contain the same information as the Payee’s paper version, depending on the Payee. Chase presents e-Bills as provided by the Payee and is not responsible for any information or communications related to them, or for the acts or omissions of any Payee.

Supporting quotations

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.

Charges & Financial Obligations · Restriction or exception

Chase is not responsible for Payees or disputes with them

Chase is not responsible for any aspect of your relationships with Payees or for their performance or non-performance, and does not act as the Payees’ service provider. Transactions between you and a Payee follow the Payee’s terms. Chase does not endorse or assume liability for any Payee you use, and has no liability for payments, returns, refunds, chargebacks, loyalty and rewards offers or benefits, or disputes between you and a Payee or other third parties.

Supporting quotations

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.

Charges & Financial Obligations · Restriction or exception

Consumer Accounts: errors and liability are governed by your account agreement; paper-check payments differ

For Consumer Accounts, your deposit account agreement has the important information about your rights and obligations for liability on your account, and for transactions from a home equity line of credit or other credit account you should see those credit documents for liability on unauthorized charges, errors or questions. You should use your Consumer Account for personal, family or household payments and your Business Account for business payments. For errors or questions about electronic fund transfers through Payments and Transfers, consult your account agreement for details and reporting time frames. If Chase tells you the Delivery Method is paper check and pays by paper check, the terms in "this Section 8" do not apply, and your rights for erroneous or unauthorized paper checks are in Section V of the Deposit Account Agreement. If Chase pays electronically, "this Section 2" applies even if Chase told you the Delivery Method was a paper check.

Supporting quotations

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.

If we tell you the Delivery Method for your payment is paper check and make the payment by paper check, the terms in this Section 8 do not apply to the payment. For information on your rights and obligations involving erroneous paper checks (including paper checks you did not authorize), see Section V of our Deposit Account Agreement. If we make the payment electronically, this Section 2 will apply to the payment even if we told you the Delivery Method for your payment is a paper check.

Qualifications & exceptions

• The terms depend on whether the payment is made by paper check or electronically.
• The paragraph refers to both "this Section 8" and "this Section 2".

Not stated here

• The paragraph cites "this Section 8" and then "this Section 2" for the same consumer terms; the consumer terms are numbered Section 8 in this Addendum and Section 2 is Cutoff Times, so the second citation is not confirmed by the document.
• The Deposit Account Agreement and the other credit documents are separate documents that are not part of this source.

Charges & Financial Obligations · Company commitment

Online and Mobile Banking Guarantee: 100% reimbursement if you report within two Business Days

For eligible consumer deposit and prepaid accounts only, if money is removed from your eligible consumer deposit accounts without your authorization through Payments and Transfers, Chase will reimburse you 100% if you tell Chase within two Business Days of discovering the unauthorized transaction. The guarantee covers only things within Chase’s control, and you are responsible for using care when exiting the system and for safely maintaining your user IDs and Passwords. For more on your rights and obligations about liability for account activity, the guarantee points to Section 8, "Additional Terms Applicable Only to Bill Payments for Consumer Accounts".

Supporting quotations

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. 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.

Qualifications & exceptions

• Consumer deposit and prepaid accounts only.
• You must report within two Business Days of discovering the unauthorized transaction.
• Covers only things within Chase’s control.

Charges & Financial Obligations · Company commitment

Bill Pay Guarantee: Chase covers 100% of late fees it causes, with listed exclusions

If Chase causes processing delays of your online or mobile Bill Payments, or online or mobile payments to a Chase Loan or Credit Account made from a Chase checking account or Chase credit card, that result in late fees, Chase covers 100% of those fees. The guarantee covers everything within Chase’s control but not losses you cause or delays not caused by Chase or outside its control, such as: your failure to make the payment request by the Cutoff Time early enough for it to arrive before the Payee’s grace period begins; input errors by you or errors by Payees; your failure to notify Chase of a suspected unauthorized transaction or theft of your user ID or Password within the time periods in this Addendum and your account agreement; your failure to follow the procedures or otherwise use the service according to this Addendum; and a Payee’s change to the Delivery Method that increases processing time, or a Payee mishandling or delaying posting. As a precondition you agree not to enter into agreements one of whose purposes is to generate late payment fees, and you bear the risk of late charges if you do not follow the procedures.

Supporting quotations

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 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.

Qualifications & exceptions

• The list of exclusions is introduced by "such as", so it is not exhaustive.
• Covers late fees only.
• Applies to payments made from a Chase checking account or Chase credit card.

Charges & Financial Obligations · Restriction or exception

Business deposit accounts: you are responsible for Password-authorized Bill Payments and for reporting on time

For business deposit accounts only, you are responsible for all Bill Payments authorized with your Password, and if you let others use the Bill Payment Service or your Password you are responsible for any transactions they authorize. Chase is not liable for errors or losses in using the service except where it fails to exercise ordinary care in processing a transaction, nor for failing to provide a service if the accounts are no longer linked for Bill Payments. Its liability is limited to the amount improperly transferred from your From Account less any amount that would have been lost even with ordinary care. Regardless of care by either party, if you fail to report an unauthorized Bill Payment or error within the time frames in your account agreement, Chase is relieved of liability for losses after that period and you are barred from asserting the claim or error. For errors or questions about electronic fund transfers, consult your account agreement.

Supporting quotations

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.

Qualifications & exceptions

• Applies to business deposit accounts only.
• Chase’s ordinary-care standard is the stated exception to its non-liability.
• Reporting time frames come from the account agreement.

Not stated here

• The reporting time frames are in the account agreement, which is not part of this source.

Charges & Financial Obligations · Context

Bill Payment definitions: Draft, Payment date, Repeating

In the Bill Payment Addendum, a "Draft" is a check or other negotiable instrument or item prepared by Chase or its agents and issued under your Instructions. A "Payment date" is the date you would like your payment sent, including payment to your Chase Loan or Credit Account. "Repeating" means automatic recurring Bill Payments to the same Payee for the same amount (or a varying amount for variable automatic Bill Payments) that you can authorize for transmission.

Supporting quotations

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.

Charges & Financial Obligations · Context

Bill Pay Directory Addendum: business customers receiving electronic payments and remittance data

This Addendum, labelled "For Business Customers Only" and last updated 10/4/2021, governs a service that lets you electronically receive payments or remittances owed to you by your customers or other third parties ("Electronic Payments") and detailed information about them ("Remittance Information"). The Bill Payment Addendum also defines "Sent" as the status of a Bill Payment where the funds have been debited from the applicable account but the payment has not yet been posted.

Supporting quotations

“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: 10/4/2021

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”).

Qualifications & exceptions

• For business customers only.

Charges & Financial Obligations · Company practice

Bill Pay Directory: you are added to the directory, payments credit your account, daily reports may be missed

Chase enables you to receive Electronic Payments and Remittance Information and you authorize Chase to add you to its bill pay directory. Chase credits each Electronic Payment directed to you to a demand deposit account you keep at J.P. Morgan Chase (the "Designated Account"), on the later of the payment date or effective entry date in the Remittance Information and the date the payment instruction is received. On each banking day you receive at least one Electronic Payment, Chase uses commercially reasonable efforts to send you a Daily Report with the Remittance Information by secure email or another method it chooses. Chase has no liability for inaccurate, incomplete or non-current Remittance Information and is not in breach or liable for any damages if it fails for any reason to deliver the Daily Reports.

Supporting quotations

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.

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.

Qualifications & exceptions

• Report delivery is by commercially reasonable efforts only.
• Chase disclaims liability for failing to deliver reports for any reason.

Charges & Financial Obligations · Restriction or exception

Bill Pay Directory: your duties on information, email address, posting, late fees and a 24-hour error report

You agree to: give Chase all the information needed to process Electronic Payments; make sure the email address for Remittance Information is correct and accept all liability for giving an incorrect one; review all Remittance Information and make sure it is correct; make sure Electronic Payments are posted to show receipt within two days of receiving the Remittance Information; not charge your customers or other third parties a late fee for delays attributable to you; indemnify the J.P. Morgan Chase Indemnified Parties for Losses from third-party claims arising from a delay attributable to you; and tell Chase as soon as possible, and no later than 24 hours after receiving Remittance Information, of any incorrect or questionable information in it.

Supporting quotations

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.

Qualifications & exceptions

• The error report is due no later than 24 hours after receipt of Remittance Information.

Charges & Financial Obligations · Procedure

Bill Pay Directory: no added fees, you pay connection costs; cancellation switches payments to paper check

Chase charges no additional fees for the service, but you pay all administrative costs, including utility charges and internet access fees, to connect to and receive the service, Daily Reports and Remittance Information. You can cancel by calling Chase or online, and should call the same number to change information or reverse Electronic Payments. Chase may cancel the service at any time, and cancellation by either party takes effect within two Banking Days. Any pending, recurring or future-dated payments or transfers scheduled as of the cancel date are processed by paper check. After cancellation this Addendum no longer applies, you are removed from the bill pay directory, and payments directed to you afterwards are sent by paper check. Cancelling does not affect your other Online Services or account relationships.

Supporting quotations

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.

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.

Qualifications & exceptions

• Cancellation is effective within two Banking Days.
• Chase may cancel at any time.

Charges & Financial Obligations · Procedure

QuickDeposit for Mobile: eligible accounts, your device, endorsement legend and responsibility for data

This Addendum, last updated 9/22/2022, governs the Chase and J.P. Morgan QuickDeposit Service. To enrol you must be an authorized signer or owner of a Private Bank deposit account with J.P. Morgan, a Chase checking or savings account, a J.P. Morgan Wealth Management investment account or other accounts Chase may decide in its sole discretion (each an "Eligible Account"). The Service lets you deposit to an Eligible Account by using a Chase Mobile or J.P. Morgan Mobile app and a capture device such as a smartphone to create images of the front and back of an Item and send them with related data to Chase or its processor. You must use software and hardware Chase provides or accepts and are solely responsible for information or data you or your employees or agents send or key in. Before scanning you must endorse each Item with your name and the legend "For Electronic Deposit at Chase Only" (Chase customers), "For Electronic Deposit at J.P. Morgan Only" (J.P. Morgan clients, for bank accounts) or "For Electronic Deposit at JPMS Only" (investment accounts), or as Chase otherwise instructs, and follow other procedures Chase sets from time to time. As conditions of the Service you must keep your Eligible Accounts in good standing, subscribe to the Service and comply with restrictions Chase communicates.

Supporting quotations

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”).

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.

Qualifications & exceptions

• Eligible Account types can be extended by Chase in its sole discretion.
• The endorsement legend depends on whether the deposit is to a Chase account, a J.P. Morgan bank account or an investment account.

Charges & Financial Obligations · Restriction or exception

QuickDeposit: do not negotiate the original check, keep it safe, and the image becomes the legal item

After an Item has been scanned and submitted, you must not transfer or negotiate the original Item, a substitute check or any other image of it. You are solely responsible for the original Item, including storage, retrieval and destruction. The electronic image of the Item or any substitute check becomes the legal representation of the Item for all purposes, including return item processing, except for funds availability, for which the text refers you to "Section 1(g) below".

Supporting quotations

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.

Qualifications & exceptions

• Funds availability is carved out of the "legal representation" rule.

Not stated here

• The carve-out points to Section 1(g), which covers investment check availability, while Section 1(f) covers availability for other deposits.

Charges & Financial Obligations · Procedure

QuickDeposit: day-of-deposit cutoffs of 11:00 p.m. ET for bank checks and 8:00 p.m. ET for investment checks

For bank check deposits, a scanned Item received at or before 11:00 p.m. ET on a Business Day Chase is open counts as deposited that day; one received after 11:00 p.m. ET, or on a weekend or state or federal bank holiday, counts as deposited the next business day. For investment check deposits, a scanned item received at or before 8:00 p.m. ET on a Business Day Chase is open counts as deposited that day. If the client submits after 8:00 p.m. ET, submits before but Chase reviews after 8:00 p.m. ET on a Business Day, or submits on a non-Business Day, the deposit is treated as made the next business day.

Supporting quotations

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.

Qualifications & exceptions

• Investment checks reviewed after 8:00 p.m. ET are treated as next-business-day deposits even if submitted earlier.

Charges & Financial Obligations · Restriction or exception

QuickDeposit funds availability: next Business Day for bank deposits, longer holds for investment accounts

Items submitted with 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 generally will be available for withdrawal by the next Business Day after the day of deposit, but Chase may add further delays based on any other factors it decides in its sole discretion. Investment checks will usually be available for trading 1 to 3 business days after review. The amount available for trading for J.P. Morgan Self-Directed Investing accounts is limited to $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 are subject to a 7 business day withdrawal hold after review.

Supporting quotations

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.

Qualifications & exceptions

• Bank-account availability is "generally" the next Business Day and Chase may add delays in its sole discretion.
• Investment account deposits have a separate availability rule and a 7 business day withdrawal hold.

Charges & Financial Obligations · Restriction or exception

QuickDeposit limits: $2,000 per day and $5,000 per 30 days by default, higher for some clients

For bank accounts the maximum you may deposit through the Service is $2,000 per day or $5,000 in any rolling 30-day period, unless you are a Chase Private Client ($25,000 per day or $100,000 per rolling 30 days) or a client with a J.P. Morgan Private Bank account ($100,000 per day or $500,000 per rolling 30 days). For J.P. Morgan investment accounts, the maximum is $100,000 in any rolling 30 days for taxable accounts, and for IRAs $6,000 or $7,000 per year for IRS Contributions and $500,000 in any rolling 30 days for IRS Rollovers and Direct Transfers. Chase may allow transactions above your limits and may then raise or lower that amount (but not below the disclosed limits) without notice, and may temporarily reduce your limits below the disclosed limits without notice for security reasons. The app shows your current available limit and the maximum daily and rolling 30-day amounts. Chase may change the limits or limit the number of deposits and will notify you to the extent required by law. You are responsible for accurately choosing the IRA, tax year, contribution type and other information; errors may have tax consequences and may not be fixable.

Supporting quotations

h. a. 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 J.P. Morgan 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.

Qualifications & exceptions

• Higher limits apply to Chase Private Clients and J.P. Morgan Private Bank clients.
• Chase may temporarily lower your limits for security reasons without notice.
• Notice of limit changes is given only to the extent required by law.

Charges & Financial Obligations · Company practice

QuickDeposit: Chase may refuse deposits, charges no fee, and shows deposits on statements

Chase may, at its discretion, return or refuse to accept all or part of a deposit made with the Service at any time and is not liable for doing so, even if that causes outstanding checks or other debits to your account to be dishonored and returned. Chase does not charge you for using the Service. All deposits made with the Service appear on your Chase or J.P. Morgan account statements, as applicable, and in your online account activity, and you receive a receipt on your mobile device when the deposit is completed.

Supporting quotations

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.

Qualifications & exceptions

• Refusal can be of all or any part of a deposit and at any time.

Charges & Financial Obligations · Restriction or exception

QuickDeposit: the image must be legible; Chase may repair, forward as photocopy or return and charge back

The image of an Item you send must be legible. If the files or images do not meet Chase’s or its processor’s content or format requirements, Chase may, in its sole discretion, forward the Item and data as received, repair or try to repair it and then forward it, process the Item as photocopies instead of originals, or return the data and Item to you unprocessed and charge back your account.

Supporting quotations

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.

Qualifications & exceptions

• Which of the four options applies is in Chase’s sole discretion.

Charges & Financial Obligations · Restriction or exception

QuickDeposit warranties: accurate image, no already-paid or redeposited items

You represent, warrant and covenant that any image Chase receives accurately and legibly shows all the information on the front and back of the original Item as drawn; that the information you transmit includes all applicable MICR-line information needed for a substitute check and the accurate amount; that no one will receive a transfer, presentment or return of, or be charged for, the Item (original or any paper or electronic representation) such that they would be asked to pay on an Item already paid; and that you will not redeposit through the Service any Item previously deposited and returned to you unless Chase advises otherwise.

Supporting quotations

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;

Charges & Financial Obligations · Procedure

QuickDeposit Classic for Business Banking: business-only service, endorsement and where you may scan

This Addendum, labelled "For Business Customers Only" and last updated 4/4/2024, governs the Chase QuickDeposit Service for business banking. The Service lets you deposit to an eligible account electronically by using a capture device to scan an Item and send the image and data to Chase. You must use software and hardware Chase provides or accepts, are solely responsible for information transmitted or key-entered by you, your employees or agents, and must endorse every Item with your name and the legend "For Deposit Only". Deposits made with a single-feed or multi-feed check scanner ordered from Chase may be made only from a location within the United States and its territories, while deposits via an eligible mobile device or tablet without a scanner attached may be scanned from any location. After an Item is scanned and submitted you must not transfer or negotiate the original Item, a substitute check or any other image, and you are solely responsible for original Items, including storage, retrieval and destruction.

Supporting quotations

Addendum:

Chase QuickDeposit Classic for Business Banking

(For Business Customers Only)

Last updated: 4/4/2024

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

Qualifications & exceptions

• Business customers only.
• Scanner deposits must be made from the United States and its territories; mobile or tablet deposits can be scanned anywhere.

Charges & Financial Obligations · Restriction or exception

QuickDeposit Classic: the image is the legal item, 11:00 p.m. ET deposit cutoff and funds availability

The electronic image or any substitute check becomes the legal representation of the Item for all purposes, including return item processing, except for funds availability, for which the text points to "Section 1(f) below". A scanned Item received at or before 11:00 p.m. ET on a Business Day Chase is open counts as deposited that day; one received after 11:00 p.m. ET, or on a weekend or state or federal holiday, counts as deposited the next Business Day. Regulation CC funds availability rules do not apply to electronically transmitted images. Funds generally will be available for withdrawal by the next business day after the day of deposit, but Chase may apply additional delays based on any other factors in its sole discretion.

Supporting quotations

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.

Qualifications & exceptions

• Availability is "generally" the next business day and Chase may add delays in its sole discretion.

Charges & Financial Obligations · Restriction or exception

QuickDeposit Classic: Chase may refuse deposits and you pay the Exhibit A fees

Chase may return or refuse all or any part of a deposit made with the Service at any time and is not liable for doing so, even if it causes outstanding checks or other debits to be dishonored and returned. You agree to pay the fees described in Exhibit A to the Addendum.

Supporting quotations

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.

Not stated here

• The amounts of the fees are in Exhibit A, which is read in a later section.

Charges & Financial Obligations · Restriction or exception

QuickDeposit Classic limits: displayed for mobile, $999,999,999.99 for scanners, Private Banking scanner only

You may deposit via a single-feed or multi-feed check scanner ordered from Chase, an eligible mobile device or an eligible tablet, but Private Banking clients may deposit only via a scanner. For deposits to each Business Account via a mobile device or tablet, the daily and rolling 30-day maximums are displayed within the Service before each deposit. For scanner deposits to each Business Account, the maximum is $999,999,999.99 per day and $999,999,999.99 in aggregate during any 30-day period. Private Banking clients have the same $999,999,999.99 daily and 30-day maximums per account for scanner deposits in place of the foregoing.

Supporting quotations

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 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.

Qualifications & exceptions

• Mobile and tablet limits are not stated in the text; they are shown in the Service before each deposit.
• Private Banking clients may deposit only by scanner.

Not stated here

• The mobile and tablet limits are displayed in the Service and are not given in the agreement text.

Charges & Financial Obligations · Restriction or exception

QuickDeposit Classic: noncompliant images may be forwarded, repaired, photocopied or returned and charged back

If the files or images sent for an Item do not meet Chase’s or its processor’s content or format requirements, Chase may, in its sole discretion, forward the Item and data as received, repair or try to repair it and then forward it, process the Item as photocopies instead of originals, or return the data and Item to you unprocessed and charge back your account.

Supporting quotations

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.

Charges & Financial Obligations · Restriction or exception

QuickDeposit Classic warranties: accurate image, MICR data, technical standards and no already-paid items

You represent, warrant and covenant that any image Chase receives accurately and legibly shows all information on the front and back of the original Item as drawn; that the information you send includes all MICR-line information needed for a substitute check and the accurate amount; that the Item meets the technical standards for an Electronic Item under Federal Reserve Board Regulation J or Federal Reserve Bank operating circulars and for a substitute check under Regulation CC; and that no one will receive a transfer, presentment or return of, or be charged for, the Item such that they would be asked to pay an Item already paid.

Supporting quotations

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;

Charges & Financial Obligations · Procedure

QuickDeposit Classic: early cancellation fee within two years, cancel by phone, no refund

If you cancel or terminate the Service before two years from your first use of it, you must pay an Early Cancellation Fee as stated in Exhibit A. You can cancel by calling the number given, and Chase may also require your request in writing. After you cancel you can no longer use the Service’s features and you will not receive a refund of any Service fee.

Supporting quotations

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.

Qualifications & exceptions

• The Early Cancellation Fee applies when cancelling before two years from first use.
• No refund of any Service fee.

Charges & Financial Obligations · Company practice

QuickDeposit Classic Exhibit A fees: monthly scanner fee, scanner charges and $250 early cancellation fee

Exhibit A lists the fees. Monthly fee: $25.00 for a single-feed check feeder scanner and $50.00 for a multi-feed check feeder scanner. First scanner: no charge with a 24-month scanner agreement. Additional scanner: $300 per single-feed check scanner and $600 per multi-feed check scanner, plus applicable sales tax. Transaction fees: see your deposit account agreement. Early Cancellation Fee: $250.00. A note says the monthly fee may differ based on promotional pricing, and any differences will be disclosed and agreed before service activation.

Supporting quotations

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.

Qualifications & exceptions

• The first scanner is free only with a 24-month scanner agreement.
• Additional scanner prices exclude sales tax.
• Monthly fee may differ for promotional pricing.

Charges & Financial Obligations · Restriction or exception

Gifting Service: you buy digital merchant gift cards from the merchant, not from Chase

This Addendum, last updated 10/4/2021, governs the Gifting Service. You may use an eligible From Account (currently certain Chase checking accounts) to buy a digital merchant gift card to send to another Chase customer or anyone you know living in the United States. You cannot buy a physical gift card. Chase has the right to decide eligibility and restrict categories of accounts, recipients and merchants in its sole discretion. Chase provides the service through an arrangement with its gift card service provider or the merchant and the merchant’s vendor. Chase does not sell or issue the Gift Cards: you are buying from the merchant or its vendor a card that can be used only with that merchant. Chase is not responsible for damage or harm to you or any third party from a Gift Card purchase and does not warrant a Gift Card’s availability or functionality.

Supporting quotations

Addendum:

Gifting Service

Last updated: 10/4/2021

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

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.

You cannot buy a physical gift card through the Gifting Service.

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.

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.

Qualifications & exceptions

• Eligible accounts are currently certain Chase checking accounts.
• The Gift Card works only with the issuing merchant.

Charges & Financial Obligations · Restriction or exception

Gifting: the email address you enter is what counts, and a failed funding is not retried

To buy a Gift Card you enter the amount, the Send On Date and the recipient’s email address or other required information. The email must belong to the intended recipient living in the United States, and you should send Gift Cards only to people you know. You must enter the recipient’s address accurately because an error does not excuse your obligation to pay. Chase and a merchant may each limit the amount you can buy. You agree the purchase is completed using only the email address you provided, even if it identifies a different person than you intended; the name you enter helps you identify the recipient in your history but is not used to process the purchase or to confirm the recipient owns or has access to the address. Chase will not process the payment if your From Account lacks sufficient funds on the Send On Date (or at initiation for Current Day purchases); the transaction fails and Chase does not make repeat attempts.

Supporting quotations

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.

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.

Qualifications & exceptions

• Your payment obligation is not excused by an error in the recipient email.
• A failed Gift Card payment is not retried.

Charges & Financial Obligations · Restriction or exception

Gifting limits: $100 per card, $1,000 per day and $5,000 per month

Gift Cards can be bought in amounts up to $100 per transaction, with a maximum of $1,000 per day and $5,000 in any calendar month in total from all your combined accounts registered with the Gifting Service. All limits may be temporarily reduced to protect the security of customer accounts or Chase’s processing systems. Chase may refuse any transaction that exceeds a limit, in which case you are responsible for making other arrangements or rescheduling the purchase.

Supporting quotations

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.

Qualifications & exceptions

• Limits are aggregated across all your accounts registered with the Gifting Service.
• Chase may temporarily reduce limits.

Charges & Financial Obligations · Restriction or exception

Gifting: merchant terms govern the card and Chase gives no support after issuance

Chase is not responsible for acts or omissions of its gift card service provider, the merchant or their vendor. A Gift Card is subject to the terms of the merchant that accepts it and the merchant’s vendor, which Chase does not control, but nothing in those terms limits Chase’s rights or your obligations under any agreement between you and Chase. Chase does not provide Gift Card support for issues arising after issuance; you must contact the provider, merchant or vendor to resolve them.

Supporting quotations

We are not responsible for any acts or omissions by our gift card service provider

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.

Charges & Financial Obligations · Company practice

Gifting: no monthly fee, but overdraft or credit limit charges may apply

Chase does not charge a monthly service fee for the Gifting Service. If Chase processes a payment per your Instructions that overdraws your From Account or exceeds your Chase credit card limit, it may assess a fee or charge interest under your account agreement or other applicable agreement. Fees can change from time to time upon notice to you as the law may require.

Supporting quotations

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.

Qualifications & exceptions

• Notice of fee changes is given as required by law.

Charges & Financial Obligations · Restriction or exception

Gifting: no editing or refunds; only future-dated gift cards can be cancelled before the Send On Date; U.S. only

You may not edit or cancel a pending or processed Gift Card, but you may cancel Future Dated Gift Cards until the Send On Date. Gift Cards cannot be returned, refunded, replaced or redeemed for cash. They may be sent only to a recipient in the United States and redeemed only within the United States.

Supporting quotations

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.

Gift Cards cannot be returned, refunded, replaced, or redeemed for cash.

Gift Cards may only be sent to a recipient in the United States and may only be redeemed within the United States.

Qualifications & exceptions

• Cancelling is possible only for Future Dated Gift Cards and only until the Send On Date.

Charges & Financial Obligations · Restriction or exception

Invoicing: features can change without notice; if you edit invoices you notify Purchasers and indemnify

WePay or Chase may, in its sole discretion, limit or change the features and functionality of the Invoicing Service at any time and without prior notice to you. If you choose to edit invoices you send, you agree to tell your Purchasers about the changes and to indemnify WePay and/or Chase and be liable for any resulting chargebacks, reversals, refunds or Payment Network Liabilities.

Supporting quotations

You acknowledge and agree that WePay or Chase may, in its sole discretion, limit or change the features and functionality of the Invoicing Service at any time and without prior notice to

you. Furthermore, you acknowledge and agree that if you choose to edit the invoices you send, you agree to notify your Purchasers of any changes you make and agree to indemnify WePay and/or Chase and agree to be liable for any resulting chargebacks, reversals, refunds, or Payment Network Liabilities.

Charges & Financial Obligations · Context

Wire Transfer Addendum: Online Wire Transfer and Chase Global Transfer Services, last updated 12/11/2025

This Addendum, last updated 12/11/2025, governs your use of the Online Wire Transfer and Chase Global Transfer Services (called "Funds Transfer Services", "FTS" or the "Services"), including what you can expect from Chase and the security procedures Chase takes when you use them.

Supporting quotations

Addendum:

Online Wire Transfer and Chase Global Transfer Services

Last updated: 12/11/2025

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.

Charges & Financial Obligations · Context

Wire Addendum covers domestic, international and consumer international funds transfers from the apps

The funds transfers governed by this Addendum, when completed through the Online Services or Mobile Services, are Domestic Funds Transfers (to a bank in the United States, including its territories), International Funds Transfers (in U.S. or foreign currencies, including through Chase Global Transfer, to a bank outside the United States) and Consumer International Funds Transfers (sent by a natural person in the United States to a beneficiary in a foreign country for personal, family or household purposes). By accepting and using FTS you agree to these terms and authorize Chase to provide Domestic or International Funds Transfers using the Online or Mobile Services. All other payments or transfers available through them are subject to separate terms.

Supporting quotations

2. Service

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

Domestic Funds Transfer: A funds transfer sent to a bank within the United States, including its territories.

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.

Qualifications & exceptions

• A Consumer International Funds Transfer is a subtype defined by the sender being a natural person in the United States and by personal, family or household purposes.

Charges & Financial Obligations · Procedure

Wire processing: same Business Day if received before cutoff, funds needed, and a daily limit across your user ID

Chase starts processing a funds transfer the same Business Day if it receives it and completes its security procedures before the cutoff times it sets. To finish processing before the cutoff Chase needs to complete any secondary internal reviews, and you must have available funds in the deposit account you designated. Chase is not obliged to accept or process transfers over your daily limit, which can change over time, and all transfers sent from all your accounts within your user ID before the cutoff for each Business Day count toward that limit. To send more than your limit you can visit any Chase branch or J.P. Morgan Financial Center.

Supporting quotations

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

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 or J.P. Morgan Financial Center.

Qualifications & exceptions

• The cutoff times are set by Chase and are not stated in this section.
• The daily limit may change over time and is not stated here.

Not stated here

• The cutoff time and the daily limit amounts are not stated in this section.

Charges & Financial Obligations · Restriction or exception

Wires: consumer international transfers can be cancelled in 30 minutes; others generally cannot once processing starts

You can cancel a Consumer International Funds Transfer at no cost within thirty minutes after you authorize it. For all other funds transfers, once you submit a transfer for the current Business Day you cannot cancel it after Chase begins processing, but you may ask Chase to try to return the funds; if the recipient’s bank agrees your funds may be returned, but likely not the full amount sent. Chase does not automatically cancel a transfer delayed by more than five business days, and notifies you if it does cancel. Once a transfer has begun processing, Chase cannot change any type of funds transfer request unless the recipient’s bank agrees; if that bank declines, you are responsible for the transfer you first requested.

Supporting quotations

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.

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.

Qualifications & exceptions

• The 30-minute cancellation right is specific to Consumer International Funds Transfers.
• A returned amount is likely less than the full amount sent.

Charges & Financial Obligations · Company practice

Wires: scheduled transfers are reviewed and may be held, with funds subtracted or held meanwhile

All scheduled funds transfer requests are subject to an internal review, which includes the recipient, and may not be approved. Chase may need to contact you to verify information during the review, and during the review Chase may subtract funds from your account or place a hold on your account, which can cause processing delays. After Chase releases the transfer, the recipient’s bank may delay credit because of its own internal review.

Supporting quotations

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.

Charges & Financial Obligations · Company practice

Wire status messages show only Chase’s processing, and you must monitor if notice fails

Chase updates the Wire Payment activity page in the Chase mobile app and chase.com or jpmorganonline.com about your transfer status, and may also email, call or text you at the email address or mobile number you provided; it may notify you verbally but is not required to. Any status information reflects only Chase’s processing and not the transfer’s status outside Chase’s systems: finishing processing does not necessarily mean the recipient has been credited. If you have no email on file, the email bounces, or Chase cannot send because of failures beyond its reasonable control, it is your responsibility to monitor your account for status, using the website, the app, a branch or Financial Center, or the call center. These notification methods are deemed commercially reasonable. Other information shown on scheduling a transfer only indicates Chase received your request, not that it accepted the transfer.

Supporting quotations

Notifications: We will update Wire Payment activity page in the Chase mobile application and chase.com or jpmorganonline.com regarding the status of your wire transfer. We may also send you an email notification or message via our Digital Platforms regarding the status of your funds transfer. If we send you an email we will use an email address you have provided. We may also call you or send you an SMS message on the status of your funds transfer. If we send you an SMS message, we will use a mobile number you have provided. We may also notify you verbally of the status of your transfer, but we are not required to do so. Any status information we provide reflects only the status of us processing your wire transfer and does not indicate the status of your wire transfer outside of our systems. For example, when we complete processing your wire transfer that does not necessarily mean it has been credited to your recipient. 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 or jpmorganonline.com, the Chase mobile application or contact us at a Chase branch or J.P. Morgan Financial Center or call center for the status of your transfer. These notification methods are deemed to be commercially reasonable. Any other information we may provide upon successfully scheduling a transfer is only an indication that we’ve received your request and not an indication that we’ve accepted your transfer.

Qualifications & exceptions

• Status refers to Chase’s processing only.
• Notification methods are "deemed" commercially reasonable.

Charges & Financial Obligations · Restriction or exception

Wires: banks use the account and routing numbers you give, even if the name does not match

Chase or any other bank involved will complete your funds transfer 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 give 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.

Supporting quotations

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.

Charges & Financial Obligations · Procedure

Wires: future-dated and repeating transfers can be cancelled before 11:59 p.m. ET the day before

You may request a future-dated (one-time) or repeating funds transfer to an established recipient, except for Consumer International Funds Transfers, and it is your responsibility to update or change any monthly payment details. Repeating transfers begin processing on the same calendar day you set them up, or the prior Business Day if that day is a non-Business Day. You can cancel a future-dated or repeating transfer before 11:59 p.m. ET (8:59 p.m. Pacific Time) the calendar day before it is scheduled to begin processing, through the Online Services, Mobile Services or by contacting Chase.

Supporting quotations

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.

Qualifications & exceptions

• Not available for Consumer International Funds Transfers.

Charges & Financial Obligations · Company practice

Wire foreign exchange: Chase sets rates in its sole discretion and may earn a commission

Chase decides in its discretion which foreign currencies it sends funds transfers in, and this can change at any time. If you send a transfer in a foreign currency, you authorize Chase to subtract the amount from your account at the exchange rate it offered when you requested it, and Chase sets its rates in its sole discretion. Chase may earn a commission on foreign currency exchange and you should expect its rates to be less favorable than rates quoted online or in publications. The rate may vary among customers depending on your relationship, your products with Chase, the type of transaction, the dollar amount, currency, and the date and time of the exchange. If Chase completes a foreign exchange for you, such as converting an incoming foreign-currency wire into U.S. dollars, it may apply a rate it has established without prior notice.

Supporting quotations

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.

We may make a commission providing foreign currency exchange services to you. You should expect that these foreign exchange rates will be less favorable than rates quoted online or in publications. 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. If we complete a foreign currency exchange on your behalf, such as exchanging a foreign currency incoming wire transfer into U.S. dollars , we may apply a rate we have established without prior notice to you.

Qualifications & exceptions

• Rates may vary by customer and transaction.
• Rates for incoming wire conversions may be applied without prior notice.

Charges & Financial Obligations · Restriction or exception

Wire foreign exchange: dated transfers use the rate on the processing date; returns and conversions by other banks

For a repeating or future-dated transfer in a foreign currency, you authorize Chase to deduct the amount at the exchange rate it offers on the date it starts processing, and you agree you are not entering a foreign currency forward or futures contract. If your initial request is returned, cancelled or changed and you request a new transfer, the current rate at the time of the new transaction applies. If funds are returned or the payment cannot be made, Chase is not liable for more than the amount of the transfer at its exchange rate when it returns the funds, less charges taken by other banks involved; a Consumer International Funds Transfer may have additional rights. If you cancel a request (other than a Consumer International transfer cancelled within thirty minutes of authorizing) and it causes Chase a loss or cost, Chase may subtract funds from your account to cover it. If the transfer is not in the currency of the recipient’s account, the recipient’s bank or another processing bank may reject or convert it, and you agree it may be converted at their exchange rate with additional fees subtracted.

Supporting quotations

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.

Qualifications & exceptions

• Consumer International Funds Transfers may have additional rights.
• Cancelling a Consumer International transfer within 30 minutes does not trigger the loss-recovery clause.

Charges & Financial Obligations · Company practice

Wire fees: you pay Chase and other banks’ fees; Chase picks the transfer system

Chase may charge a fee for FTS based on your account agreement or fee schedule in effect when the wire is sent, or for certain business accounts based on the terms in effect when your next account analysis is performed. Financial institutions may deduct processing fees or charges from the wire amount, and deductions by Chase and its affiliates may include Chase processing fees. You are responsible for all fees and taxes, including Chase’s fees and fees of other funds transfer systems or banks involved. Chase may use any funds transfer system it believes reasonable to complete your request regardless of your instructions, and if Chase is also the recipient’s bank it may complete the request with an internal transfer and charge a wire transfer fee.

Supporting quotations

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 certain business accounts, based on the terms in effect when your next available account analysis is performed. Financial institutions may deduct processing fees and/or charges from the amount of the wire transfer. Any deductions taken by us, and our affiliates, may include processing fees charged by Chase. 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.

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, and assess a wire transfer fee.

Qualifications & exceptions

• Other banks may deduct fees from the amount received.

Not stated here

• The fee amounts are in the account agreement or fee schedule, not in this section.

Charges & Financial Obligations · Restriction or exception

Wire errors: report within 60 days of the statement, or Chase may keep the payment

Chase is not responsible for delays or extra fees caused by your failure to tell it promptly. You must use ordinary care to check whether a transfer Chase accepted and subtracted from your account was in error or unauthorized. Except for Consumer International Funds Transfers, if there is an error or unauthorized transfer you agree to notify Chase within 60 days after it mails or makes available (for example by paperless statements) a statement showing the transfer, and you agree Chase may retain payment for the transfer unless you notify it within that 60-day period. Consumer International Funds Transfers have their own terms in a later section.

Supporting quotations

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 60 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 60-day period. For additional terms governing Consumer International Funds Transfers, please see the section Consumer International Funds Transfers.

Qualifications & exceptions

• The 60-day period runs from when the statement is mailed or made available.
• Consumer International Funds Transfers are excluded and follow their own section.

Charges & Financial Obligations · Restriction or exception

Consumer International Funds Transfers: a separate section that overrides the rest in a conflict

The Consumer International Funds Transfers section contains additional terms that apply only to those transfers. It does not apply to transfers to a beneficiary in the United States, transfers initiated by a non-consumer, or transfers initiated by a consumer for non-personal, non-family or non-household purposes. If its terms conflict with the rest of the Agreement or the agreement governing your funding account, this section controls for Consumer International Funds Transfers.

Supporting quotations

12. Consumer International Funds Transfers

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.

Qualifications & exceptions

• This section overrides conflicting terms for Consumer International Funds Transfers only.

Charges & Financial Obligations · Company commitment

Consumer International transfers: Chase gives pre-transfer disclosures at authorization or on a receipt

Before sending a Consumer International Funds Transfer, Chase provides important disclosures to the extent applicable: the amount to be transferred to the beneficiary, the amount and description of fees and taxes Chase imposes, the total amount of the transaction, the exchange rate if applicable, the amount of currency transferred, fees imposed by intermediaries or Chase’s agents, and the amount the beneficiary will receive. You are also given the date the funds are to be made available to the beneficiary, error resolution and cancellation right information and other disclosures, either when you authorize the transfer or on a receipt provided after you authorize it.

Supporting quotations

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.

Qualifications & exceptions

• The disclosure list applies "to the extent applicable".
• Disclosures may come at authorization or on a receipt after authorization.

Charges & Financial Obligations · User right or choice

Consumer International transfers: free cancellation within 30 minutes

You have the right to cancel Consumer International Funds Transfers at no cost within 30 minutes after you authorize Chase to send them. The disclosure given when you authorized the transfer explains how to cancel.

Supporting quotations

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.

Qualifications & exceptions

• Within 30 minutes of authorizing.

Charges & Financial Obligations · User right or choice

Consumer International transfer errors: tell Chase within 180 days; Chase decides within 90 days

If you think there has been an error or problem with a Consumer International Funds Transfer, you can call Chase, visit a branch or J.P. Morgan Financial Center, or send an account inquiry message on the Digital Platforms, and you must contact Chase within 180 days of the date Chase disclosed that funds would be made available to the recipient. You are asked to give your name and address; the error or problem and why you believe it is one; the recipient’s name and, if known, telephone number or address; the dollar amount of the transfer; or the confirmation code or number of the transaction. Chase determines whether an error occurred within 90 days after you contact it and corrects any error promptly, and tells you the results within three business days after completing its investigation. If no response is received Chase refunds your account for the applicable remedies. If Chase decides there was no error it sends a written explanation, and you may ask for copies of the documents it used.

Supporting quotations

If you think there has been an error or problem with your Consumer International Funds Transfer, call us at 1-855-536-1269, visit a Chase branch or J.P. Morgan Financial Center, or send an account inquiry via a message on our Digital Platforms on chase.com or jpmorganonline.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.

Qualifications & exceptions

• The 180 days run from the date Chase disclosed when funds would be available to the recipient.
• Chase’s investigation period is 90 days after you contact it.

Charges & Financial Obligations · Restriction or exception

P3 transaction history shows only authorizations and may not match your final statement

The P3 transaction history represents only Chase’s authorization of your P3 transactions and may not reflect later activity such as clearing, settlement, foreign currency exchange, reversals, returns or chargebacks. The purchase amount, currency and other details shown may be preliminary and may not match the amount that finally clears, settles and posts to your card’s billing or monthly statement.

Supporting quotations

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.

Charges & Financial Obligations · Context

Real-Time Payments Addendum: sending and receiving payments, last updated 10/26/2023

This Addendum, last updated 10/26/2023, governs the service that lets you send payments to, or receive payments from, other Persons. By sending or receiving payments through it you agree to the terms of the Agreement. To return a payment you received through the service, you must contact Chase at the number given (a different number applies to J.P. Morgan Online clients). For Consumer Accounts, your deposit account agreement has the important information about your rights and obligations for liability on your account.

Supporting quotations

Addendum:

Real-Time Payments Service

Last updated: 10/26/2023

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.

Qualifications & exceptions

• Returning a received payment is done by contacting Chase.

Not stated here

• The deposit account agreement is a separate document not part of this source.

Charges & Financial Obligations · Context

Real-Time Payments: who you can pay, payment requests and a business Vendors and Employees option

The service lets you send payments to and receive payments from Persons who bank with a financial institution participating in the Real-Time Payments System, including JPMC (each a "Service Participant"), including payments to your own accounts at other participants. If Chase enables it, you can also receive and send requests for payment with Persons at Service Participants. The service also includes "Real-Time Payments Service for Vendors and Employees", which lets you pay vendors and/or employees, but only if you have a Business Account and are enrolled in ACH Payment Services.

Supporting quotations

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.

Qualifications & exceptions

• Payment requests are available "if enabled by us".
• The Vendors and Employees option requires a Business Account and ACH Payment Services enrollment.

Charges & Financial Obligations · Permission or license

Real-Time Payments: you irrevocably authorize Chase to deduct the payment and fees at once

You start a payment (a "Service Transfer") by submitting a request through Chase Online, Chase Mobile, Chase Business Online, J.P. Morgan Online, J.P. Morgan Mobile or other Digital Platforms Chase makes available. You must give the Receiver Addressing Information and the amount you direct to be transferred, and by submitting you represent and warrant that the transfer complies with these Terms. By submitting a request you irrevocably and unconditionally authorize Chase to deduct the Payment Amount (the transfer amount plus any fees you owe Chase for it) from your account, and Chase may deduct it immediately on receiving the request.

Supporting quotations

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.

Qualifications & exceptions

• The authorization is irrevocable and unconditional.
• The Payment Amount includes fees as well as the transfer amount.

Charges & Financial Obligations · Restriction or exception

Real-Time Payments limits: $5,000 per payment from Consumer Accounts, higher for business and private banking

You may not send through the service more than: from a Consumer Account, $5,000.00 in a single transaction, $10,000.00 in one day or $50,000.00 in one month, except as Section 6 below sets out for payments sent in response to requests for payment; from a Business Account, $25,000.00 in a single transaction or your currently applicable daily transfer limit, with no monthly limit; and from a Private Banking Account, $10,000.00 in a single transaction or $20,000.00 in one day, with no monthly limit. Chase may set lower limits for you and block an attempted transfer over the limits, and may adjust the limits at any time in its sole discretion, telling you of the adjustments.

Supporting quotations

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 except as set forth in Section 6 below for payments sent in response to requests for payment; (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.

Qualifications & exceptions

• The Consumer Account limits have an exception for payments sent in response to requests for payment (Section 6).
• Chase will notify you of limit adjustments.

Cross-references

• contrast (model-proposed): Real-Time Payments requests for payment: higher limits, known Persons only, no guarantee of delivery — contrast: The standard Consumer Account Real-Time Payments limits ($5,000 per transaction, $10,000 per day) sit beside much higher limits ($25,000 per transaction, $50,000 per day) for payments made in response to a request for payment; the two provisions pull in different directions for the same account type depending on how the payment starts.

Charges & Financial Obligations · Restriction or exception

Real-Time Payments has no buyer protection

Chase does not provide buyer protection for Service Transfers. You cannot reverse or dispute a Service Transfer because you are dissatisfied with the goods or services the Receiver provided, because the Receiver failed to deliver goods or perform services at all or on time, or because you want to return purchased goods or cancel a pre-paid service.

Supporting quotations

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.

Charges & Financial Obligations · Restriction or exception

Real-Time Payments: you can ask a Receiver to return funds, but Chase only passes the request along

You can ask a Receiver to return funds, but the Receiver is not obligated to, including when you entered the wrong amount or sent funds to someone other than your intended Receiver because you mistyped or the addressing information belonged to someone else. To make a "Return Request" you notify Chase at the number given. Chase’s sole obligation is to transmit the Return Request to the Receiving Financial Institution. Chase cannot guarantee any funds will be returned in whole or in part and has no obligation to try to recover the funds beyond sending the request. "Receiving Financial Institution" means Chase when you are the Receiver and the Receiver’s institution when you are the Sender. Any dispute between you and a Receiver must be resolved directly between you and the Receiver, and Chase has no responsibility or liability for it.

Supporting quotations

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.

Charges & Financial Obligations · Restriction or exception

Real-Time Payments: you must verify the Receiver details; Chase has no liability for wrong recipients or amounts

By submitting a request you irrevocably and unconditionally authorize Chase to initiate a payment using the Receiver Addressing Information. Chase will show the Receiver name associated with the information based on what is available to it, but makes no representation that this information is correct. You are responsible for verifying, before submitting, that the Receiver Addressing Information is accurate and complete, is associated with your intended Receiver, and that the payment amount is correct, and Chase has no obligation to verify any of this. Except as state or federal law requires, Chase’s sole obligation is to initiate a payment in the amount you indicated using the information you provided, and it has no liability for loss from inaccurate or incomplete information, information not associated with the intended Receiver, or your failure to enter the information or amount correctly.

Supporting quotations

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.

Qualifications & exceptions

• "Except as otherwise required by state or federal law" qualifies the no-liability statement.
• The source states these terms in capital letters.

Charges & Financial Obligations · User right or choice

Receiving Real-Time Payments: you can reject a payment, and Chase will contact you about return requests

You are not obliged to accept a payment sent to you through the service. To reject one, contact Chase at the number given (a different number applies to J.P. Morgan Online clients). A Sender may request a return of funds sent through the service, and if Chase receives a return request it will contact you.

Supporting quotations

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.

Charges & Financial Obligations · Company practice

Real-Time Payments fees: none except the Vendors and Employees service

Chase does not charge a fee to use the Real-Time Payments Service except as stated. Sending a payment with Real-Time Payments Service for Vendors and Employees costs the lesser of $25 or 1% of the total Payment Amount, though that amount may vary if you are also a Private Banking customer.

Supporting quotations

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.

Qualifications & exceptions

• The fee amount may vary for Private Banking customers.

Charges & Financial Obligations · Restriction or exception

Real-Time Payments requests for payment: higher limits, known Persons only, no guarantee of delivery

If enabled, you may submit requests for payment, or pay in response to requests. For payments sent in response to a request from a Consumer Account, you may not send more than $25,000 in a single transaction or $50,000 per day. You may only submit requests, or pay in response to requests, to Persons who are known to you and would reasonably expect such a request or payment from you. By submitting a request or paying in response to one you represent and warrant that the payment is not a Prohibited Payment and is not fraudulent, abusive or unlawful. Chase does not guarantee that the Sender will pay in whole or in part or accept your request, and enabling these features does not require Chase to provide or guarantee delivery of a request or payment to any Person. Any dispute between you and a Sender must be resolved directly with the Sender, and Chase has no responsibility or liability for it.

Supporting quotations

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 not send more than $25,000 for a single transaction or more than $50,000 per day for payments sent in response to a request for payment from a Consumer Account.

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.

Qualifications & exceptions

• The $25,000 and $50,000 limits apply to payments sent in response to a request from a Consumer Account.
• Available "if enabled".

Charges & Financial Obligations · Procedure

Real-Time Payments: reasons a transfer can fail, timing, and who is told

A Service Transfer may fail if the Sender’s account has insufficient funds when the request is submitted; the Sending or Receiving Institution suspects or finds that it breaches these terms or the rules of the real-time transfer system; the Receiver rejects it or has declined to receive Service Transfers; it exceeds the Sender’s limits; the Receiver’s account is closed, invalid, ineligible or monitored for suspected fraud or other illegal activity; the Sender’s account is monitored for suspected fraud or other illegal activity; either institution declines for risk-management, legal or regulatory reasons; or the service is unavailable. Completion may also be delayed by fraud, regulatory or compliance review. Requests are typically completed within fifteen seconds unless they fail or are delayed. If you are the Sender, Chase notifies you if a transfer fails; if you are the Receiver, Chase will not tell you a transfer failed, and if you have not received an expected payment you must contact the Sender.

Supporting quotations

7. Failed Service Transfers

A Service Transfer may fail if:

there are insufficient funds available in the Sender’s account

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

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.

Qualifications & exceptions

• Completion is "typically" within fifteen seconds, not guaranteed.
• Only the Sender is notified of a failed transfer.

Charges & Financial Obligations · Procedure

Real-Time Payments funds are credited and available to the Receiver immediately, around the clock

Funds sent through the service are credited to the Receiver’s account by the Receiving Institution immediately on completion of the request and are available for withdrawal immediately. Except as the Agreement says otherwise, funds are available immediately 24 hours a day, 7 days a week, including weekends and state and federal holidays.

Supporting quotations

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.

Qualifications & exceptions

• "Except as otherwise set forth in this Agreement" qualifies availability.

Charges & Financial Obligations · Restriction or exception

Real-Time Payments: prohibited payments, test payments and use only for yourself or U.S. residents

You may not use the service to make or receive a "Prohibited Payment": a payment that violates or appears to violate any local, state or federal law or regulation; a payment to an account domiciled outside the United States; a payment sent solely to check whether Receiver Addressing Information is valid (a "Test Payment"), although you may send one if you have a bona fide need to confirm information a Receiver gave you who wants to be paid; or any other payment that violates the Agreement. You may use the service solely to make or receive payments on your own behalf or on behalf of Persons resident or domiciled in the United States. If you pay or receive on behalf of another Person, you must comply with all applicable laws, rules and regulations, including those of the Office of Foreign Assets Control. A payment that violates these restrictions is a Prohibited Payment.

Supporting quotations

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.

Qualifications & exceptions

• A Test Payment is allowed only with a bona fide need to verify addressing information a Receiver gave you.

Charges & Financial Obligations · Restriction or exception

Canceling Subscriptions: no guaranteed timing or refund; cancel directly if renewal is within three days

Chase displays the status of your cancellation request in your Chase account online or in the app. Neither Chase nor the Service Provider guarantees the cancellation will be completed before your renewal date or that you will get a refund; any refund due is credited directly to your account by the Merchant. Neither is liable for unreturned balances or for costs or fees of a renewal caused by your failure to start the request sufficiently before the renewal date. You should not use the Service, and should cancel directly with your Merchant, if the renewal date is within the next three business days or if you need to ensure the cancellation is effective by a certain date, because Chase cannot give a guaranteed completion date.

Supporting quotations

We will display the status of your Subscription Cancellation request in your Chase account online (www.chase.com) or in the Chase Mobile app. Neither we nor Service Provider guarantee that your Subscription Cancellation will be completed before your subscription renewal date, nor do we guarantee that you will receive a refund. If you are entitled to a refund, it will be credited directly back to your applicable account by the Merchant.

Neither we nor Service Provider are liable for any unreturned balances, nor are we liable for costs or fees associated with any subscription renewal due to your failure to initiate your Subscription Cancellation request sufficiently in advance of your subscription renewal date.

You should not use the Service and instead cancel directly with your Merchant if your renewal date is within the next three (3) business days, or if you need to ensure your cancellation will become effective by a date certain. Due to variation in Merchant processing, we cannot provide a guaranteed date for completion of your cancellation request through our Service Provider.

Qualifications & exceptions

• Refunds come from the Merchant, not from Chase or the Service Provider.

Charges & Financial Obligations · Company practice

Canceling Subscriptions: no service fee

There is no service fee to use the Service. Fees can change from time to time upon notice to you as the law may require.

Supporting quotations

2. Service Fees

There is no service fee to use the Service. Fees are subject to change from time to time upon notice to you as may be required by law.

Qualifications & exceptions

• Notice of fee changes is given as required by law.

Charges & Financial Obligations · Procedure

Canceling Subscriptions: report charges after a successful cancellation promptly

If a cancellation succeeded and you then receive a Merchant charge to your Chase debit card for that subscription that you believe is in error or unauthorized, contact Chase promptly after receiving the statement showing it. Follow the procedures in your account statement for the affected personal or business account, and note that you must contact Chase within the time frames for resolving errors about electronic fund transfers. If you used an eligible Chase credit card, consult your credit card statement for the procedures and contact information for errors or questions about charges.

Supporting quotations

6. Errors or Questions about Transactions

If you receive a successful Subscription Cancellation through use of the Service and thereafter receive a charge to your applicable Chase debit card from your Merchant related to that subscription that you believe to be in error or unauthorized, please contact us promptly after receiving the statement on which the error appeared. Follow the procedures set forth in your account statement for your impacted personal or business account. Note that you must contact us within the time frames set forth for resolving errors about electronic funds transfers.

If you used an eligible Chase credit card, consult your credit card statement for procedures and contact information related to errors or questions about charges.

Qualifications & exceptions

• Debit card charges follow electronic fund transfer error time frames.
• Credit card charges follow your credit card statement procedures.

Not stated here

• The time frames are in the account documents and are not stated here.

Charges & Financial Obligations · Procedure

Canceling Subscriptions: credit card charge questions follow your credit card statement

If you used an eligible Chase credit card, you should consult your credit card statement for the procedures and contact information for errors or questions about charges.

Supporting quotations

If you used an eligible Chase credit card, consult your credit card statement for procedures and contact information related to errors or questions about charges.

Qualifications & exceptions

• Applies to eligible Chase credit card charges.

Charges & Financial Obligations · Restriction or exception

Canceling Subscriptions: where consequential-damages exclusions do not apply, liability is capped at $100

In states where the exclusion or limitation of liability for consequential or incidental damages may not apply, any liability of Chase or the Service Provider in those states is limited, and warranties are excluded, to the greatest extent permitted by law, but in no event can the liability exceed one hundred dollars ($100.00).

Supporting quotations

IN THOSE STATES WHERE THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES MAY NOT APPLY, ANY LIABILITY OF US OR SERVICE PROVIDER IN THOSE STATES IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW, BUT SHALL, IN NO EVENT, EXCEED ONE HUNDRED DOLLARS ($100.00).

Qualifications & exceptions

• The $100 cap applies in states where the consequential or incidental damages exclusion may not apply.

Charges & Financial Obligations · Company practice

Digital wallets: no added Chase fee; third parties may charge; you handle taxes

Any interest, fees and charges that apply to your Chase Card or underlying account also apply when you use a Wallet to access the card. Chase does not charge additional fees for adding the card to or using it in a 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 taxes arising from transactions originated using your card information transmitted by a Wallet and must comply with applicable tax laws.

Supporting quotations

4. 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 or using your Chase Card in a Wallet. The Wallet Provider and other third parties, such as wireless companies or data service providers, may charge you fees in your use of a Wallet. 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.

Charges & Financial Obligations · Restriction or exception

Wallet transaction history is preliminary; your card statement prevails

The transaction history shown in a Wallet represents only Chase’s authorization of your Wallet transaction and may not show complete information or later activity such as clearing, settlement, foreign currency exchange, reversals, returns or chargebacks. The purchase amount, currency and other details shown by the Wallet Provider may be preliminary or incomplete and may not match the amount that finally clears, settles and posts to your card’s billing or monthly statement, which is deemed the prevailing document.

Supporting quotations

6. Transaction History

You agree and acknowledge that the transaction history displayed in a 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 a 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.

Qualifications & exceptions

• The billing or monthly statement is the prevailing document.

Charges & Financial Obligations · Context

Transfers Service Addendum: moving money between your accounts and external accounts, last updated June 2026

This Addendum, last updated June 2026, governs the service to transfer funds between your eligible accounts held by Chase, or between an eligible Chase account and an External Account. Capitalized terms not defined in it take their meaning from the General Terms and Conditions, except as the Addendum says otherwise; the sentence cites "Section 6 below", but this Addendum’s numbered sections run from 1 to 5, with Definitions as Section 5.

Supporting quotations

Addendum:

Transfers Service

Last updated: June 2026

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.

Not stated here

• The sentence cites "Section 6 below", but the Addendum has no Section 6; its Definitions are Section 5, so the intended target is not confirmed by the document.

Charges & Financial Obligations · Restriction or exception

Payments and Transfers: sent or completed items cannot be cancelled; savings, credit lines and eligibility

You may use the Online Services to make one-time or repeating payments to Chase Loans or Credit Accounts, or to transfer funds between your eligible Chase accounts or between an eligible Chase account and an External Account. When you use, or allow another to use, the Online or Mobile Services to send such Instructions you agree to this Addendum, and once a Payment or Transfer has a status of "Sent" or "Completed" you cannot cancel it. Your payments and transfers appear on your account statements. Some payments and transfers, such as online wire transfers, payroll and tax payments and Zelle, are subject to separate terms. A transfer from a savings account using the Online or Mobile Services is a restricted Transfer subject to limitations in your deposit account agreement. Eligible Transfers from a line of credit are treated as advances, accrue interest under your line of credit agreement, and are subject to its advance terms. You agree to follow other written requirements Chase gives you for your accounts and loans. Not all accounts are eligible, and Chase may limit eligibility, change it over time and restrict recipient categories in its sole discretion.

Supporting quotations

1. General Terms Applicable to Payment and Transfers

You may use the Online Services to make one-time or repeating payments to Chase Loans or Credit Accounts (“Chase Bill Payments” or for the purposes of this Addendum only “Payments”), or to transfer funds between your eligible accounts held by us, or between an eligible account held by us and an External Account (“Transfers”) (collectively “Chase Bill Payments and Transfers" or “Payments and Transfers”). For the purposes of this Addendum only, Transfers means a transfer of funds pursuant to an Instruction to move funds electronically from one account to another specifically when using Payments and Transfers. When you use, or allow another to use, the Online Service or Mobile Services to send Instructions to us to make Payments or 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 Payment or Transfer has been designated with a status of “Sent” or “Completed”, you cannot cancel that Payment or Transfer.

All of your payments and transfers made through the Transfers Service will appear on the statements for your respective accounts. Certain payments or 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, but not limited to, the online wire transfer service, payroll and tax payment services, the Chase Zelle® Service (aka Zelle® or Zelle® 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, eligible 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, credit card accounts, and other products that may be accessed via Payment and Transfers, including without limitation, 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 Payments and Transfers. 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 Payments and Transfers may be made in our sole discretion.

Qualifications & exceptions

• Sent and Completed items cannot be cancelled.
• Savings account transfers are restricted under the deposit account agreement.

Charges & Financial Obligations · Procedure

Transfers cutoff table, deposit account transfers: 11:00 PM ET for Internal, 8:00 PM ET for External

The Transfers cutoff table has columns for the Transfer/Payment Type, the time to schedule Payments and Transfers, and the time to cancel them, all in ET on a Business Day. For Transfers to or from Chase deposit accounts, the schedule cutoff is 11:00 PM ET for Internal Transfers and 8:00 PM ET for External Transfers. The cancel cutoff is 11:00 PM ET for Future Dated Internal Transfers, except as provided below, and once you start a same-day Internal Transfer you cannot stop or cancel it; for External Transfers the cancel cutoff is 8:00 PM ET.

Supporting quotations

a. Cutoff Times

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

| Transfer/Payment Type | Schedule Payments and Transfers | Cancel Payments and Transfers |

| Transfers to or from Chase deposit accounts | • 11:00 PM ET on any Business Day for Internal Transfers • 8:00 PM ET on any Business Day for External Transfers |

Qualifications & exceptions

• A same-day Internal Transfer cannot be stopped or cancelled once started.

Charges & Financial Obligations · Procedure

Transfers cutoff table, mortgage payments: 7:30 PM ET from Chase deposit accounts, 8:00 PM ET from others

In the Transfers cutoff table, for payments to Chase mortgage loans the schedule cutoff is 7:30 PM ET on any Business Day from a Chase eligible deposit account and 8:00 PM ET on any Business Day from a non-Chase deposit account, and the cancel cutoffs are the same. For payments to Chase commercial term lending mortgage loans the table also gives 7:30 PM ET for payments from a Chase eligible deposit account and 8:00 PM ET for payments from a non-Chase deposit account, for both scheduling and cancelling.

Supporting quotations

| Payments to Chase mortgage loans

Business Day for payments from a Chase eligible deposit account • 8:00 PM ET on any Business Day for payments from a non-Chase deposit account | any Business Day for payments from a Chase eligible deposit account • 8:00 PM ET on any Business Day for payments from a non- Chase deposit account |

| Payments to Chase commercial term lending mortgage loans | • 7:30 PM ET on any Business Day for payments from a Chase eligible deposit account • 8:00 PM ET on any Business Day for payments from a non-Chase deposit account | • 7:30 PM ET on any Business Day for payments from a Chase eligible deposit account • 8:00 PM ET on any Business Day for payments from a non- Chase deposit account |

Qualifications & exceptions

• The mortgage row is split across two blocks in the source text but is one table row.

Charges & Financial Obligations · Procedure

Transfers cutoff table, home equity and personal loans: 11:59 PM ET to schedule, 8:00 PM or 11:00 PM ET to cancel

In the Transfers cutoff table, for payments to Chase home equity or personal loans or line of credit accounts, the schedule cutoff is 11:59 PM ET on any day for payments from a Chase eligible deposit account (Future Dated payments by 11:59 PM ET on any Business Day) and 8:00 PM ET on any Business Day from a non-Chase deposit account. The cancel cutoff is 8:00 PM ET for same-day payments from a Chase eligible deposit account scheduled before 8:00 PM ET, 11:00 PM ET for same-day payments from a Chase eligible deposit account scheduled after 8:00 PM ET, and 8:00 PM ET on the Payment date for Future Dated payments from a Chase eligible deposit account or a non-Chase deposit account.

Supporting quotations

| Payments to Chase home equity or personal loans or line of credit accounts | • 11:59 PM ET on any day for payments from a Chase eligible deposit account, with the exception of Future Dated payments, which can be made by 11:59 PM ET on any Business Day. • 8:00 PM ET on any Business Day for payments from a non-Chase deposit account | • 8:00 PM ET for same day payments from a Chase eligible deposit account, if the payment was scheduled prior to 8:00 PM ET • 11:00 PM ET for same day payments from a Chase eligible deposit account, if the payment was scheduled |

after 8:00 PM ET • 8:00 PM ET on the Payment date for Future Dated payments from a Chase eligible deposit account or a non- Chase deposit account |

Qualifications & exceptions

• The row is split across two blocks in the source text but is one table row.

Charges & Financial Obligations · Procedure

Transfers cutoff table: auto loans, home equity lines, business lines of credit

In the Transfers cutoff table, for payments to Chase auto loans or lease accounts the schedule cutoff is 11:00 PM ET on any Business Day for payments from a Chase eligible deposit account and 8:00 PM ET from a non-Chase deposit account, and the cancel cutoffs repeat those times. For Transfers from Chase home equity lines of credit, Internal Transfers to a Chase eligible deposit account can be scheduled until 11:59 PM ET any day and External Transfers until 8:00 PM ET on any Business Day; a same-day Internal Transfer cannot be stopped or cancelled once started, and the External Transfer cancel cutoff is 8:00 PM ET. For Transfers from Chase business lines of credit, Internal Transfers to a Chase eligible deposit account can be scheduled until 11:59 PM ET any day, Transfers to a non-Chase deposit account are not available, and a same-day Internal Transfer cannot be stopped or cancelled once started. For payments to Chase business lines of credit, the schedule and cancel cutoff is 11:00 PM ET on any Business Day for payments from a Chase eligible deposit account, and payments from a non-Chase deposit account are not available.

Supporting quotations

| Payments to Chase auto loans or lease accounts | • 11:00 PM ET on any Business Day for payments from a Chase eligible deposit account • 8:00 PM ET on any Business Day for payments from a non-Chase deposit account | • 11:00 PM ET on any Business Day for payments from a Chase eligible deposit account • 8:00 PM ET on any Business Day for payments from a non- Chase eligible deposit account |

| Transfers from Chase home equity lines of credit | • 11:59 PM ET any day for Internal Transfers to a Chase eligible deposit account • 8:00 PM ET on any Business Day for External Transfers |

| Transfers from Chase business lines of credit | • 11:59 PM ET any day for Internal Transfers to a Chase eligible | • Once you initiate a same day Internal Transfer, you

deposit account • Transfers to a non- Chase deposit account are not available | have no ability to stop or cancel such transfer. |

| Payments to Chase business lines of credit | • 11:00 PM ET on any Business Day for payments from a Chase eligible deposit account • Payments from a non-Chase deposit account are not available | • 11:00 PM ET on any Business Day for payments from a Chase eligible deposit account |

Qualifications & exceptions

• The business line of credit rows split across blocks in the source text but are single table rows.
• Transfers to non-Chase deposit accounts and payments from non-Chase deposit accounts are not available for business lines of credit.

Charges & Financial Obligations · Procedure

Transfers cutoff table: securities-based lines and Investment Accounts, 4:00 PM and 4:30 PM ET

In the Transfers cutoff table, Transfers from securities-based lines of credit to a Chase eligible deposit account, and payments to securities-based lines of credit from a Chase eligible deposit account, have a 4:00 PM ET cutoff on any Business Day to schedule, and once you start a same-day internal transfer or payment you cannot stop or cancel it. For Transfers to or from Investment Accounts, a Current Day Transfer must be initiated by 4:30 PM ET on a Business Day, and Future Dated Internal Transfers can be cancelled until 4:30 PM ET on a Business Day, except as provided below, with no way to stop a same-day Internal Transfer once started. A footnote says Transfers involving money market mutual funds may be subject to earlier cutoff times set by the fund company, as shown in the prospectus or by calling the number on your statement. For Investment Accounts, the text adds that Sections 1.2(b)(iv) and 1.2(c)(iv) also apply, which are the Investment Account paragraphs under Internal Transfers and External Transfers.

Supporting quotations

| Transfers from Securities-based lines of credit | • 4:00 PM ET on any Business Day for transfers to a Chase eligible deposit account | • Once you initiate a same day internal transfer, you have no ability to stop or cancel such transfers |

| Payments to Securities-based lines of credit | • 4:00 PM ET on any Business Day for payments from a Chase eligible deposit account | • Once you initiate a same day internal payments, you have no ability to stop or cancel such payments |

| Transfers to or from Investment Accounts | • 4:30 PM ET on any Business Day for initiating a Current Day Transfer to or from Investment Accounts* | • 4:30 PM ET on any Business Day for Future Dated Internal Transfers*, except as |

*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 PM ET. For more information, please see the prospectus or call the telephone number on the front of your account statement. |

Notwithstanding the foregoing, for Investment Accounts, Sections 1.2(b)(iv) and 1.2(c)(iv) also apply.

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 a recurring distribution from a retirement account, you must call Investment Services at 1-800-392-5749.

iv. Transfers to or from Investment Accounts

Qualifications & exceptions

• The footnote on money market mutual funds applies to the Investment Account row.
• Fund company cutoffs may be earlier than 4:30 PM ET.

Not stated here

• The Investment Account paragraphs referred to are analyzed in their own sections.

Charges & Financial Obligations · Company practice

Payments and Transfers: cancel online; no monthly fee, but overdraft or credit limit charges may apply

If you wish to cancel a Payment or Transfer you should cancel it online. Unless your account agreement says otherwise, Chase does not charge a monthly service fee for Payments or Transfers. If Chase processes a Payment or Transfer per your Instructions that overdraws your account or exceeds your Chase credit card limit, it may assess a fee or charge interest under your deposit account agreement or other applicable agreement. Chase is not responsible for any Payment or Transfer request if there is not enough money in the designated Pay From or From Account.

Supporting quotations

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

b. Service Fees

Unless otherwise noted in your account agreement, we do not charge a monthly service fee for Payments or Transfers. If we process a Payment or 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 Payment or Transfer request if there isn’t enough money in the designated Pay From or From Account.

Charges & Financial Obligations · User right or choice

Preauthorized (repeating) transfers: same amount on a set date; stop orders three Business Days ahead

You may set up an eligible Payment or Transfer as a Preauthorized Electronic Fund Transfer, authorized in advance so it recurs at substantially regular intervals without further action, such as monthly or, if available, biweekly or bimonthly, for the same fixed amount to the same Payee or To Account ("Repeating Payments and Transfers"). These are sent on the same calendar day each month or other set date you schedule. If the scheduled Send On date or Transfer date falls on a non-Business Day, Payments are sent on the following Business Day (except Auto and Business Loans and Lines of Credit, which are sent on the prior Business Day) and Transfers are sent on the prior Business Day. They are deducted from your Pay From or From Account on the Send On or Transfer date. To authorize one you agree to have a way to print your authorization, or else authorize each Repeating transaction individually until you do. From a Consumer Account you have the right to stop payment of a Preauthorized Electronic Fund Transfer by notifying Chase at least three Business Days before the Send On date in the manner your account agreement specifies; if Chase does not act on a timely stop payment notice it is liable for those losses or damages as provided by law. If you cannot access the Online or Mobile Services you can call or write Online Customer Service, and if you call Chase may require your request in writing within fourteen days after the call.

Supporting quotations

c. Preauthorized Electronic Fund Transfers

You may set up an eligible Payment or Transfer as a Preauthorized Electronic Fund Transfer, which you authorize in advance of a Payment or Transfer so it will take place on a recurring basis, at substantially regular intervals, and no further action will be required from you to initiate it. Preauthorized Electronic Fund Transfers may recur on a set Transfer period, e.g., monthly, or if available, other interval of time (e.g. biweekly, bimonthly) for the same fixed amount to the same Payee or To Account (“Repeating Payments and Transfers”), and will be sent on the same calendar day of each month or other set date that you schedule (e.g., every two weeks), if applicable. However, if the regularly scheduled Send On date or Transfer date falls on a non-Business Day, Payments will be Sent on the following Business Day (except for Auto and Business Loans and Lines of Credit, which will be sent on the prior Business Day), and Transfers will be Sent on the prior Business Day. Repeating Payments and Transfers will be deducted from your Pay From account or From Account, on the Send On date or Transfer date, as applicable. In order to authorize a Repeating Payment or Transfer, you agree to have means to print a copy of your authorization for your records.

You have the right to stop payment of a Preauthorized Electronic Funds Transfer from your Consumer Account by notifying us at least three (3) Business Days before the Send On date of the scheduled Payment or Transfer in the manner specified in your applicable account agreement; if we do not do so in response to a timely stop payment notice, 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 or write Online Customer Service at the phone number or address set forth in the paragraph entitled "Your Liability for Unauthorized Transfers or Payments" herein. If you call, we may also require you to present your request in writing within fourteen (14) days after you call.

Qualifications & exceptions

• The stop payment right is stated for a Consumer Account and requires notice at least three Business Days before the Send On date.
• Prior-Business-Day rule applies to Auto and Business Loans and Lines of Credit payments and to Transfers.
• Liability is "as provided by law".

Charges & Financial Obligations · User right or choice

Transfers: stop payment right for preauthorized transfers, and Automatic Payments to Chase loans and credit accounts

You have the right to stop payment of a Preauthorized Electronic Funds Transfer from your Consumer Account by telling Chase at least three Business Days before the Send On date of the scheduled Payment or Transfer, in the manner your account agreement specifies; if Chase does not act on a timely stop payment notice it is liable for those losses or damages as provided by law. If you cannot access the Online or Mobile Services you may call or write Online Customer Service, and if you call Chase may require your request in writing within fourteen days. Some Chase Loan and Credit Accounts may let you set up Automatic Payments, with terms shown at set-up that may cover payment options, timing, how payment is applied to your balance, and applicable interest and fees.

Supporting quotations

You have the right to stop payment of a Preauthorized Electronic Funds Transfer from your Consumer Account by notifying us at least three (3) Business Days before the Send On date of the scheduled Payment or Transfer in the manner specified in your applicable account agreement; if we do not do so in response to a timely stop payment notice, 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 or write Online Customer Service at the phone number or address set forth in the paragraph entitled "Your Liability for Unauthorized Transfers or Payments" herein. 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 may allow you to set up Automatic Payments. Terms and conditions for Automatic Payments to eligible Chase Loan and Credit Accounts will be presented to you at the time you set up the payments. These may include information on available payment options, payment timing and how your payment will be applied to your outstanding balance, applicable interest and fees. See additional details about Automatic Payments in the Section entitled Payments to Chase Loans or Credit Accounts below.

Qualifications & exceptions

• The stop payment right is stated for a Consumer Account and needs notice at least three Business Days before the Send On date.
• Automatic Payment terms are presented at set-up and are not in this source.

Not stated here

• The terms for Automatic Payments are shown at set-up and are not part of this source.

Charges & Financial Obligations · Procedure

Investment Accounts: cancel or modify transfers online or by phone; retirement distributions by phone

For Investment Accounts, you can cancel an existing one-time transfer request, or cancel or modify a recurring transfer request, using the Chase Mobile app, chase.com or by calling Investment Services at the number given. To modify or cancel a recurring distribution from a retirement account, you must call Investment Services.

Supporting quotations

For Investment Accounts, you can cancel an existing one time transfer request or cancel/modify a recurring transfer request using the Chase Mobile app, chase.com or by calling Investment Services at 1-800-392-5749. However, in order to modify or cancel a recurring distribution from a retirement account, you must call Investment Services at 1-800- 392-5749.

Qualifications & exceptions

• Retirement account recurring distributions can be changed or cancelled only by phone.

Charges & Financial Obligations · Restriction or exception

Transfers: you need funds on the Transfer date; Current Day transfers are rejected, future-dated ones retried

You authorize Chase to charge your From Account for all Transfers you start and agree to have sufficient funds or available credit on the Transfer date. Except for certain Transfers to and from Investment Accounts, if funds (including funds in a linked overdraft protection account) or available credit are insufficient for a Current Day Transfer, Chase does not retry and the Transfer is immediately rejected. For Future Dated transfers (excluding Autosave Transfers from a deposit), if funds are insufficient on the Transfer date, Chase will automatically try to debit up to two more times on each of the three succeeding Business Days, showing "Funds Needed" in Transfer Activity; after the final attempt the request is Cancelled and shows "Funding Failed", and Chase notifies you of each failed attempt as applicable laws and regulations require. For Investment Accounts you can set a future Transfer date even with insufficient funds: on the date any available funds are transferred even if below the requested amount, leaving a zero cash balance, and you are notified; if the balance is zero on the date, the Transfer is rejected.

Supporting quotations

1.2 Transfers

a. 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, including funds in any linked account used for overdraft protection, (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 from a deposit), if sufficient funds are not in your account (inclusive of any funds in a linked account used for overdraft protection) 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 in your Transfer Activity on Chase Online and Chase Mobile . After the final attempt, the transfer request will be Cancelled. A status of “Funding Failed” will appear in your Transfer Activity on Chase Online and Chase Mobile. We will also notify you of each failed attempt to transfer from your From Account in accordance with applicable laws and regulations.

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.

Qualifications & exceptions

• Investment Account transfers can partially complete and leave a zero cash balance.
• Autosave Transfers from a deposit are excluded from the retry rule.

Charges & Financial Obligations · Restriction or exception

Internal Transfers: daily limits, home equity line maximums and Current Day transfers that cannot be cancelled

Internal Transfers move funds between your eligible accounts held by Chase, and you need at least two eligible accounts; Chase may determine eligibility and restrict recipient categories in its sole discretion. Chase sets a daily dollar limit on Internal Transfers to or from your eligible Chase accounts even if your available balance is higher, may allow transactions above your limits or temporarily reduce them without notice for security, and may refuse to process a transaction that exceeds the limits or to protect your account or the transfer system. You may transfer up to your available balance plus any overdraft protection account, or your credit limit where applicable. If your From Account is a home equity line of credit secured by Texas homestead property, the minimum transfer is $4,000.00 to the extent eligible. Current Day Internal Transfer Instructions begin processing immediately and cannot be cancelled. If your From Account is a Chase home equity line of credit, to the extent eligible, you may make Internal Transfers up to $200,000 daily, or $500,000 daily if you are a Private Banking customer.

Supporting quotations

b. 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.

Transfer Limits: To protect your account, we place a daily dollar limit on Internal Transfers sent to or from your eligible Chase accounts, even if your available balance is higher than the daily limit. However, we may allow transactions that exceed your limits or temporarily reduce your limits without notice, for security purposes. We may refuse to process any transaction that exceeds the applicable limits or to protect the security of your account or the transfer system. 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.

Qualifications & exceptions

• Limits can be reduced temporarily without notice for security.
• The home equity maximums apply "to the extent eligible".
• Current Day Internal Transfers cannot be cancelled.

Not stated here

• The standard daily dollar limit on Internal Transfers is not stated in this paragraph.

Charges & Financial Obligations · Procedure

Internal Transfers between deposit accounts: Current Day availability and after-cutoff limits

Current Day transfers between deposit accounts held by Chase made before the Cutoff Time are processed immediately and the funds are available the same day to cover all transfers. Funds transferred to Chase deposit accounts after the Cutoff Time on the Current Day or on a non-Business Day are available for immediate cash withdrawal at ATMs and for online transactions, but not to cover other payments such as paper checks until the next Business Day. Repeating transfers are paid on the same calendar day of each period, or the next Business Day if the Transfer date is a non-Business Day. Future Dated transfers (including Repeating transfers from Chase deposit accounts) are deducted from your From Account on the Transfer date.

Supporting quotations

Transfers between deposit accounts held by us: Current Day transfers between deposit and 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 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 accounts held by us) will be deducted from your From Account on the Transfer date.

Qualifications & exceptions

• After-cutoff funds are available for ATM and online use immediately but not for other payments until the next Business Day.

Charges & Financial Obligations · Restriction or exception

Transfers from lines of credit: limits follow your credit agreement; no future-dated or repeating transfers

Current Day money transfers from line of credit accounts held by Chase are reflected in your account as soon as Chase receives the request. The minimum or maximum you can withdraw via Transfers is subject to the terms of your existing credit agreements with Chase. Future Dated and Repeating Transfers cannot be made from line of credit accounts with Chase.

Supporting quotations

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.

Charges & Financial Obligations · Procedure

Transfers to and from Investment Accounts: posting times, trading availability and immediate cash reduction

Current Day Transfers can be made between eligible deposit accounts held by Chase and an Investment Account, and you can cancel a one-time Transfer or cancel or modify a recurring Transfer online, but must call Investment Services to modify a recurring distribution from a retirement account. For Transfers to an Investment Account, Instructions received on a Business Day between 3:00 AM ET and the Cutoff Time are posted and available for trading immediately that day; Instructions received after the Cutoff Time are posted and available for trading at or about 4:00 AM ET on the next Business Day, and Instructions received on a non-Business Day at or about 4:00 AM ET on the next available Business Day. For Transfers from an Investment Account, Instructions received between 3:00 AM ET and the Cutoff Time are posted and available for withdrawal in the To Account immediately, while later or non-Business Day Instructions are available at or about 3:00 AM ET on the next Business Day. In all cases the Investment Account cash balance is reduced immediately by the Transfer amount and is no longer available for withdrawal or trading, whether Instructions arrive before or after the Cutoff Time.

Supporting quotations

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 a recurring distribution from a retirement account, you must call Investment Services at 1-800-392-5749.

Transfers to Investment Account

When Instructions are received by us on a Business Day between 3:00 AM 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 4:00 AM ET on the next Business Day following the day the Instruction was made.

Transfers from Investment Account

When Instructions are received by us on a Business Day between 3:00 AM 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 3:00 AM ET on the next Business Day following the day the Instruction was made.

In all instances, 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.

Qualifications & exceptions

• Timing depends on whether Instructions arrive before the Cutoff Time, after it, or on a non-Business Day.
• The cash balance is reduced immediately even when the To Account receives funds the next Business Day.

Charges & Financial Obligations · Restriction or exception

Transfers: large or repeated same-day transfers can require 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 or from Investment Accounts occur under the stated terms once approved.

Supporting quotations

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.

Qualifications & exceptions

• The list of transfers subject to manual approval is introduced by "including", so it is not exhaustive.

Charges & Financial Obligations · Permission or license

Autosave: Chase may move money for you within your limits, and you must monitor it

You can set up automatic Transfers from your checking account to your savings account or other account types Chase specifies. Chase may offer Autosave features that give it discretion, within limits you set, to make periodic Transfers based on factors such as your account balance and spending patterns, and you agree to monitor those Transfers closely and change or cancel them as you see fit, using the Chase Mobile app or Chase Online. Except as the terms specifically set out or where the law requires a different standard, Chase is not liable for errors, losses or damages from any Transfer or failure to Transfer under an Autosave feature you select for any reason, including system outages or defects, and in particular is not liable for interest, gains or dividends you did or did not earn because of Autosave.

Supporting quotations

Autosave Feature: You can set up automatic Transfers from your checking account to your savings account, or to other types of accounts that we may specify from time to time. We may offer certain Autosave features which, if used by you, 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 or Chase Online 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.

Qualifications & exceptions

• Chase’s discretion operates within limits you set.
• Non-liability is subject to the Addendum’s specific terms and any legally required standard.

Charges & Financial Obligations · Restriction or exception

External Transfers: you need an eligible Chase account and Chase decides eligibility

External Transfers move funds between an eligible Chase account and an External Account. To start one you must have at least one eligible deposit account, Investment Account, line of credit, mortgage, installment loan or auto loan account with Chase. Chase may determine eligibility and restrict the categories of recipients to whom External Transfers may be made in its sole discretion.

Supporting quotations

c. 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 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.

Charges & Financial Obligations · Restriction or exception

External Transfer limits: $25,000 daily for Consumer Banking, $100,000 for other segments, set dynamically

Chase places a daily dollar limit on External Transfers to or from your eligible Chase accounts even if your available balance is higher, may allow transactions above your limits or temporarily reduce them without notice for security, and may refuse transactions over the limits or to protect your account or the transfer system. Excluding Transfers to or from Investment Accounts, External Transfers can be up to the daily maximum in the chart for your account segment, in the aggregate from all your combined Chase accounts. The chart’s columns are the account segment and the Maximum Daily Limit for all accounts in the aggregate: Consumer Banking $25,000.00; Chase Sapphire Banking $100,000.00; Chase Private Client $100,000.00; Private Banking $100,000.00; Business Banking $100,000.00. To help protect against fraud and scams, Chase dynamically determines the limit for each External Transfer from internal criteria when you schedule it, so the limit shown at set-up may be lower than the chart. If your From Account is a home equity line of credit secured by your Texas homestead, each transfer must be at least $4,000 to the extent eligible. If your From Account is a Chase home equity line of credit, to the extent eligible, External Transfers can be up to $200,000 daily, or $500,000 daily for Private Banking customers.

Supporting quotations

i. Transfer Limits: To protect your account, we place a daily dollar limit on External Transfers sent to or from your eligible Chase accounts, even if your available balance is higher than the daily limit. However, we may allow transactions that exceed your limits or temporarily reduce your limits without notice, for security purposes. We may refuse to process any transaction that exceeds the applicable limits or to protect the security of your account or the transfer system. Excluding Transfers to or from Investment Accounts, Transfers to or from External Accounts may be made in amounts of up the daily maximum noted in the chart below for your applicable account segment in the aggregate from all your combined Chase accounts, except as otherwise described in the subsections below. To help protect you from fraud and scams, Chase dynamically determines the limit for each External Transfer(s) based on internal Chase criteria at the time you schedule the transfer. The maximum daily limit applicable to you will be displayed at the time you set up the transfer and may be lower than the maximum shown in the table 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.

| | Maximum Daily Limit (all accounts in the aggregate) |

| Consumer Banking | $25,000.00 |

| Chase Sapphire Banking | $100,000.00 |

| Chase Private Client | $100,000.00 |

| Private Banking | $100,000.00 |

| Business Banking | $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.

Qualifications & exceptions

• The displayed limit at set-up may be lower than the chart maximum.
• The chart limits are aggregated across all your combined Chase accounts.
• Transfers to or from Investment Accounts are excluded from the chart.
• Home equity maximums apply "to the extent eligible".

Charges & Financial Obligations · Procedure

External Transfers: processing starts the same day if received by cutoff; cancel until the cutoff on the Send On Date

Transfers between eligible Chase deposit accounts and an External Account that Chase receives by the Cutoff Time on a Business Day begin processing the same day. Transfers to an External Account are deducted from your Chase From Account on the calendar date and usually appear in the External Account on the Deliver By Date. Transfers from External Accounts are subject to the processing times of the institution holding the External Account, and Instructions received by the Cutoff Time on a Business Day are sent to that institution the same day. Instructions entered via the External Transfer Service may be cancelled until the Cutoff Time on the Send On Date.

Supporting quotations

iii. Transfers between eligible deposit 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.

Qualifications & exceptions

• Timing for transfers from External Accounts depends on the other institution.

Charges & Financial Obligations · Procedure

External Transfers with Investment Accounts: posting times, trading availability and a four-day hold

For Transfers to an Investment Account from an External Account, Instructions received at or before the Cutoff Time lead to funds posted and viewable by 5:01 p.m. ET on the next Business Day, and Instructions received after the Cutoff Time by 5:01 p.m. ET on the second Business Day; the funds are available for trading at or about 11:59 p.m. ET on the day they post. Between posting and trading availability, Chase places a hold on the External Account for the transfer amount for up to four Business Days. For Transfers from an Investment Account to an External Account, Instructions at or before the Cutoff Time post as of 5:01 p.m. ET on the next Business Day and later Instructions as of 5:01 p.m. ET that day, with funds available in the External Account at or about 11:59 p.m. ET that day. In every case the Investment Account cash balance is reduced immediately and is no longer available for withdrawal or trading.

Supporting quotations

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 by 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 by 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.

Qualifications & exceptions

• Timing differs for Instructions received at or before versus after the Cutoff Time.
• A hold of up to four Business Days applies on the External Account for transfers to an Investment Account.

Charges & Financial Obligations · Restriction or exception

External Transfers: credits are provisional, and Chase may charge back any of your accounts if settlement fails

Transfer Instructions relating to External Accounts, and the transmission of data about them, follow this Addendum and the Rules, and you and Chase agree to be bound by the Rules as they are in effect from time to time. Under the Rules, any credit to your Chase deposit account or your External Account is provisional until finally settled by Chase or the third-party institution. You acknowledge notice that if Chase does not receive final settlement for a transfer for any reason, it will charge the amount back to the Transfer To or From Account (as applicable) or any of your other accounts, or claim a refund from you. Chase may at any time delay availability of funds transferred into your deposit account by a debit from another account while settlement is pending or until the transaction can no longer be reversed under the Rules or applicable law.

Supporting quotations

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 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.

Qualifications & exceptions

• The charge-back can reach any of your other accounts.

Charges & Financial Obligations · Restriction or exception

Payments to Chase loans: you need funds on the Send On date; overdraft, retries and charges to other accounts

You authorize Chase to remove funds from your Pay From account for all Payments you start and agree to have enough available funds on the Send On or Payment date. Funds in an overdraft protection account count as available. A Current Day payment without enough funds is immediately rejected and not retried. For Future Dated Payments without enough funds on the Send On or Payment date, Chase may reject the request or accept it and process it even if that exceeds your credit limit or overdraws your account; alternatively it will automatically try to debit up to two more times on each of the three succeeding Business Days, showing "Funds Needed", and after the final attempt the payment is Cancelled and shows "Funding Failed", with a message for each failed attempt. You agree Chase may, at its option, follow your Instructions even if the debit exceeds your credit limit or causes or increases an overdraft, and may charge any of your other accounts for an overdraft in your Pay From account. For questions about preauthorized Payments you can call the number on your account statement or deposit account agreement.

Supporting quotations

1.3 Payments

a. General Terms Applicable to Payments

i. Your responsibilities: You authorize us to remove funds from your designated Pay From account for all Payments that you initiate and you agree to have sufficient available funds on the Send On date or Payment date for each such Payment you schedule. Please note that if you have Chase Overdraft Protection for your Pay From account, available funds in the account that you use for overdraft protection are included in the determination of available funds for the Service. If there are insufficient available funds to cover a Current Day payment, we will not retry the payment and it will be immediately rejected. If sufficient funds are not in your account to cover a Current Day payment, we will not retry the transaction and the payment will be immediately rejected. In the case of Future Dated Payments, if sufficient funds are not in your account on the Send On 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 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 Pay From account. You agree that we may, at our option, follow your Instructions to make payments to a Payee, even though a charge to or a debit from your Pay 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 Pay From account, we may charge any other of your accounts for the amount of the overdraft. For questions about your preauthorized Payments, you may contact us at the telephone number on your account statement or the front of our deposit account agreement.

Qualifications & exceptions

• The outcome for Future Dated payments is at Chase’s option.
• Chase may charge any other of your accounts for an overdraft.

Charges & Financial Obligations · Restriction or exception

Payments to Chase loans: Chase is not responsible for Payee late charges unless it causes the delay

Chase is not responsible for charges imposed, or any other action taken, by a Payee because of a late Payment, including finance charges or late fees, unless Chase causes processing delays that cause your payment to be late. The source states this in capital letters.

Supporting quotations

ii. WE ARE NOT RESPONSIBLE FOR ANY CHARGES IMPOSED, OR ANY OTHER ACTION, BY A PAYEE RESULTING FROM A LATE PAYMENT, INCLUDING ANY APPLICABLE FINANCE CHARGES AND/OR LATE FEES UNLESS WE CAUSE PROCESSING DELAYS THAT CAUSE YOUR PAYMENT TO BE LATE.

Qualifications & exceptions

• Exception: Chase causes processing delays that make the payment late.

Charges & Financial Obligations · Procedure

Payments to Chase loans: Business Day payment dates and next-day processing after cutoff, by loan type

For Chase mortgage or auto loan or lease accounts, only Business Days can be chosen as Payment dates, and Instructions must be received by the Cutoff Time (as stated in the cutoff table) to receive credit that same Business Day; Instructions received on a non-Business Day or after the cutoff are processed the next Business Day. For Chase home equity, personal loan or line of credit accounts, same-day payments from a Chase deposit account made before the cutoff on any day are credited with the date submitted, while Future Dated payments and payments from a non-Chase checking account must use Business Days and follow the same cutoff rule. Payments to Chase credit card accounts have separate payment options and terms shown when you give Instructions. Securities backed, portfolio or margin lines of credit or loans have separate payment options and terms in your loan documents, and not all payment types are available for payments to these loans or lines of credit.

Supporting quotations

b. Payments to Chase Loans or Credit Accounts

i. Payments to Chase Mortgage or Auto Loan or Lease Accounts:

Only Business Days may be chosen as Payment dates for Chase mortgage or auto loan or lease 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. Payments to Chase Home Equity or Personal Loan or Line of Credit Accounts:

Same day payments using a Chase deposit 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-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.

iii. Payments to Chase Credit Card Accounts:

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

iv. Payments to Securities-based Loans or Business Loans or Lines of Credit:

Note: Securities backed, portfolio or margin lines of credit or loans have separate payment options and terms that will be provided to you in your origination and/or other related loan documents. Not all payment types discussed herein are available for payments to these loans or lines of credit. See your loan terms for details as well as information of other methods of payment that may be available to you.

Qualifications & exceptions

• Rules differ for mortgage and auto, home equity and personal, credit card, and securities-based or business loans.

Not stated here

• Terms for credit card accounts and securities-based or business loans are shown at the time of the Instruction or in loan documents and are not in this source.

Charges & Financial Obligations · Permission or license

Automatic Payments to Chase loans: separate terms, monthly withdrawals, payment application and rejected payment fees

You may be able to schedule Automatic Payments for eligible Chase loan and line of credit accounts, which have separate terms; you should consult your loan documents and the authorization language shown in the Online Services or app. To set them up Chase asks for your authorization to withdraw Payments from your Pay From account every month in the amount of your regularly scheduled payment, on the due date in your loan documents (or another monthly or other period amount or due date you agreed with Chase). Loan payments (one-time and Automatic) are generally applied to interest first, then principal, escrow (if applicable) and unpaid fees, which may vary by loan product and account status. If a payment is rejected by your bank for insufficient or unavailable funds in your designated Chase or External Account, Chase may, in its discretion, resubmit it up to two times as permitted by applicable law and/or ACH network rules, and Chase or the bank holding your External Account may charge you a fee each time a payment is rejected, including a resubmitted one.

Supporting quotations

v. Automatic Payments:

You may be permitted to schedule Automatic Payments for your eligible Chase loan and line of credit accounts. Separate terms govern Automatic Payments. Consult your loan documents and authorization language, as applicable, presented in the Online Services on Chase Online or in the Chase Mobile app for details. To establish Automatic Payments, we will ask you to provide your authorization for us to withdraw Payments from your designated Pay From account every month in the amount of your regularly scheduled payment, on the due date specified in your loan documents (or other monthly or other Transfer Period amount or due date you agreed to with us).

Generally, loan payments (one-time and Automatic Payments) are applied to interest first, then principal, escrow (if applicable), and unpaid fees. This may vary depending on your loan product and the status of your account; review the disclosures presented on Chase Online or the Chase Mobile app and your associated loan documents for details.

You understand and agree that in the event that any Payment is rejected by your bank due to insufficient or unavailable funds in your designated Chase or External Account, (i) we may, in our discretion, resubmit the rejected payment up to two times as permitted by applicable law and/or ACH network rules, and (ii) we or your bank holding your External Account may charge you a fee each time a payment is rejected, including for a resubmitted payment.

Qualifications & exceptions

• Application order is "generally" interest, principal, escrow, then unpaid fees and may vary.
• Resubmission and fees can occur each time a payment is rejected.

Not stated here

• The separate Automatic Payment terms and loan documents are not part of this source.

Charges & Financial Obligations · Restriction or exception

Payments to Chase loans and credit accounts: up to your available balance per day

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

Supporting quotations

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 Pay From account (plus any available balance in any associated overdraft protection account) per day.

Charges & Financial Obligations · Context

Consumer Accounts: liability is governed by your deposit account agreement, credit documents and brokerage agreement

For Consumer Accounts, your deposit account agreement has the important information about your rights and obligations for liability on your account. For transactions from a home equity line of credit or other credit account, you should see those credit documents for liability on unauthorized charges, errors or questions. Concerns about other transactions in your Investment Account, or errors on confirmations and statements from J.P. Morgan Securities LLC, must be reported under the terms of your Brokerage Account Agreement.

Supporting quotations

2. Additional Terms Applicable Only to Payments and 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.

Not stated here

• The deposit account agreement, credit documents and Brokerage Account Agreement are separate documents not part of this source.

Charges & Financial Obligations · User right or choice

Consumer Accounts: report unauthorized transfers within two Business Days for full cover; $500 or more after

If you let other persons use Payments and Transfers or your Password, you are responsible for any transactions they authorize from your accounts. If you believe your Password has been lost or stolen or that someone has transferred or may transfer money without your permission, you must notify Chase at once, by phone or by writing to Online Customer Service; phoning is the best and fastest way to keep losses down. If you do not, you could lose all the money in each account plus all available funds in any overdraft protection account or other credit line among your accounts. If you tell Chase within two Business Days after you discover the loss or theft, you are completely covered for an unauthorized transfer. If you do not tell Chase within two Business Days, and Chase can prove it could have stopped the transfer had you told it, you could lose as much as $500. If a statement shows online transfers you did not make, tell Chase at once: if you do not within sixty days after the statement was transmitted to you, you may not get back money lost after the sixty days if Chase can prove it could have stopped the loss had you told it in time. If a good reason, such as a long trip or hospital stay, kept you from telling Chase, the time periods are extended.

Supporting quotations

2.1 Your Liability for Unauthorized Transfers

If you permit other persons to use Payments and Transfers or your Password, you are responsible for any transactions they authorize from your accounts. If you believe that your Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, notify us AT ONCE, by calling 1-877-242-7372 or writing us at Online Customer Service, P. O. Box 2558, Houston, TX 77252- 9968.

Tell us AT ONCE if you believe your Password has been lost or stolen or that an unauthorized online transfer has been made from any of your deposit accounts. Telephoning us is the best and fastest way of keeping your possible losses to a minimum. If you do not do so, you could lose all the money in each of the accounts, as well as all of the available funds in any overdraft protection account or any other credit line included among your accounts. If you tell us within two (2) Business Days after you discover the loss or theft, you are completely covered if someone makes a transfer without your authorization.

If you do not tell us within two (2) Business Days after you discover the loss or theft of your Password or that an unauthorized online transfer has been made from any of your deposit accounts, and we can prove we could have stopped someone from making a transfer without your authorization if you had told us, you could lose as much as $500.

Furthermore, if any account statement shows online transfers that you did not make, tell us AT ONCE. If you do not tell us within sixty (60) days after a statement showing such a transfer was transmitted to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason, such as a long trip or hospital stay, kept you from telling us, we will extend the time periods.

Qualifications & exceptions

• Complete coverage requires telling Chase within two Business Days after you discover the loss or theft.
• The $500 and 60-day outcomes apply only if Chase can prove it could have stopped the transfer.
• Time periods are extended for good reasons such as a long trip or hospital stay.
• Applies to deposit accounts and Consumer Accounts for online transfers.

Charges & Financial Obligations · Company commitment

Consumer Accounts: Chase is liable for incomplete transfers, with listed exceptions

If Chase does not complete a transfer to or from a Consumer Account in the correct amount or according to the agreement, it is liable for damages as the law imposes in such cases, with exceptions. Chase is not liable, for example, if through no fault of Chase your account lacks sufficient funds and the transfer would exceed any credit line or overdraft; if your operating system or software was not working properly and this was evident to you when you began; for circumstances beyond Chase’s control such as fires, floods, acts of God and power outages; if the Payee, or the other financial institution holding an External Account, mishandles or delays processing or posting a transfer; or if you did not provide complete and correct transfer information, including the institution name, account number and amount. The list is only examples and does not list all circumstances in which Chase is not liable.

Supporting quotations

2.2 Our Liability for Failure to Complete Payments and Transfers

If we do not complete a transfer to or from a Consumer Account in the correct amount or according to our agreement with you, we will be liable for those damages as the law imposes in such cases. However, there are some exceptions. We will not be liable, for example:

If, through no fault of ours, your account does not contain sufficient funds to make the transfer and the transfer would exceed any credit line or any overdraft for such account.

Your operating system or software was not functioning properly at the time you attempted to initiate such transfer and it was evident to you at the time you began the transfer.

Circumstances beyond our control, such as fires, floods, acts of God, power outages and the like.

The Payee or, for Payments and Transfers from an External Account, the third party financial institution holding your account mishandles or delays processing or posting a transfer sent by Payments and Transfers.

If you have not provided us with complete and correct transfer information, including without limitation the financial institution name, account number and transfer amount for a transfer.

The list of examples set out in this paragraph is meant to illustrate circumstances under which we would not be liable for failing to make a transfer and is not intended to list all of the circumstances where we would not be liable.

Qualifications & exceptions

• The exceptions are examples and not an exhaustive list.
• The liability is "as the law imposes in such cases".

Charges & Financial Obligations · Procedure

Consumer Accounts: errors and questions about transfers, including AI features, must be reported within 60 days

If you think your statement is wrong, or need more information about a listed transaction, call or write to the number and address given. Certain features of the Transfers Service may let you use artificial intelligence (AI) to process requests, generate responses or help manage transfers; when you choose them you are told you are using AI. You are responsible for reviewing all information and transactions, including those involving AI, and for the accuracy and completeness of instructions you submit, and if you believe AI-generated information or a transaction is incorrect or in error you must notify Chase promptly as described. For personal accounts only, Chase must hear from you no later than 60 days after it sent the first statement on which the error appeared, and you should provide your name and account number and a description of the error or the transaction you are unsure about and why you think it is an error or want more information.

Supporting quotations

2.3 Errors and Questions about Payments and Transfers

If you think your statement is wrong, or if you need more information about a transaction listed on it, call 1-866-564-2262 or write us at JPMorgan Chase Bank, N.A., PO Box 44945, Indianapolis, IN 46244-4945. Certain features of the Transfers Service may allow you to use artificial intelligence (“AI”) to process your requests, generate responses, or assist you in managing transfers. When you choose to interact with these features you will be informed that you are using AI. You are responsible for reviewing all information and transactions, including those involving AI, and for the accuracy and completeness of any instructions you submit. If you believe that any information or transaction generated or facilitated by AI features is incorrect or in error, you must notify us promptly as described below.

For personal accounts only, the following procedures apply:

We must hear from you NO LATER than 60 days after we sent you the FIRST statement on which the error appeared. Please provide us with the following:

Your name and account number;

A description of the error or the transaction you are unsure about, and why you think it is an error or want more information; and

Qualifications & exceptions

• The listed procedure applies to personal accounts only.
• The 60 days run from the first statement on which the error appeared.

Charges & Financial Obligations · User right or choice

Consumer Account errors: Chase investigates within 10 Business Days or up to 45 days with a provisional credit

You should also give Chase the amount of the suspected error. Chase will determine whether an error occurred within 10 Business Days after hearing from you and correct any error promptly. If it needs more time it may take up to 45 days to investigate, and if so it credits your balance within 10 Business Days for the amount you think is in error so you have the use of the money during the investigation. If you opened your account less than 30 days before the suspected error, the 10-Business-Day period is extended to 20 Business Days; if you opened it less than 30 days before the suspected error or the transaction occurred at a point-of-sale location or outside the U.S., the 45-day period is extended to 90 days. If you call, Chase may require your complaint or question in writing within 10 Business Days, and if it is not received in that time Chase may not credit your balance. Chase tells you the results within three Business Days after completing its investigation, sends a written explanation if it decides there was no error, and you may ask for copies of the documents it used. For electronic transfers shown on External Account statements, you should contact the financial institution that provided the statement under that account’s terms.

Supporting quotations

A description of the error or the transaction you are unsure about, and why you think it is an error or want more information; and

The amount of the suspected error.

We will determine whether an error occurred within 10 Business Days after we hear from you and will correct any error promptly. However, if we need more time, we may take up to 45 days to investigate your complaint or question. If we do this, we will credit your balance within 10 Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If you opened your account less than 30 days before the date of the suspected error, the 10-Business-Day period is extended to 20 Business Days. If you opened your account less than 30 days before the date of the suspected error or the transaction occurred at a point-of-sale location or outside the U.S., the 45-day period is extended to 90 days.

If you call us, we may require that you send us your complaint or question in writing within 10 Business Days. If we do not receive it within 10 Business Days, we may not credit your balance.

We will tell you the results within three Business Days after completing our investigation.

In case of errors or questions about your electronic transfers that appear on your External Account statements, please contact the financial institution that provided such statement to you in accordance with the terms and conditions of your External Account.

Qualifications & exceptions

• The provisional credit applies if Chase takes up to 45 days.
• Periods are longer for accounts under 30 days old and for point-of-sale or outside-U.S. transactions.
• A phone report may need written confirmation within 10 Business Days or the credit may not be given.

Charges & Financial Obligations · Company commitment

Online and Mobile Banking Guarantee for Transfers: 100% reimbursement if reported within two Business Days

For Consumer Deposit Accounts only, if money is removed from your eligible Chase consumer deposit accounts without your authorization through the Transfers Service, Chase will reimburse you 100% if you tell it within two Business Days of discovering the unauthorized transaction. The guarantee covers only things within Chase’s control, and you must use care when exiting the system and safely maintain your user IDs and Passwords.

Supporting quotations

3. Our Guarantees

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

In the event that money is removed from your eligible Chase consumer deposit account(s) 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. It is your responsibility to use care when exiting the system and safely maintain your user IDs and Passwords.

Qualifications & exceptions

• Consumer deposit accounts only.
• Reported within two Business Days of discovery.
• Covers only things within Chase’s control.

Charges & Financial Obligations · Restriction or exception

Business deposit accounts: you answer for Password-authorized transfers and for missing reporting deadlines

For business deposit accounts only, you are responsible for all Payments and Transfers authorized using your Password, and for any transactions others authorize if you let them use the Services or your Password. The source notes in capital letters that online access is separate from your existing signature arrangements, so a person you authorize online may reach accounts they could not otherwise sign on, that you assume the entire risk of fraudulent, unauthorized or improper use of your Password, and that Chase may rely on the genuineness and authority of instructions accompanied by your Password. Chase is not liable for errors or losses except where it fails to exercise ordinary care, nor for failing to provide a service if the account is no longer linked, and its liability is limited to the funds improperly transferred less any amount that would have been lost even with ordinary care. Regardless of care by either party, failing to report an unauthorized Transfer or error within the time frames in your account agreement relieves Chase of liability for losses after that period and you are barred from asserting the claim. For errors and questions on business accounts, Chase says its practice is to follow the Section 2.3 procedures but it is not legally required to, and questions about External Account statements go to the institution that provided them.

Supporting quotations

b. Liability for Unauthorized Payments and Transfers for Business Deposit Accounts Only

You are responsible for all Payments and 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. NOTE: ACCOUNT ACCESS THROUGH THE ONLINE SERVICE 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 ONLINE SERVICE, 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.

We are not liable to you for any errors or losses you sustain in using the Online 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 Payments and Transfers. 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 Payments and Transfers for Business Deposit Accounts Only

For business accounts, our practice is to follow the procedures described in Section 2.3 above, but we are not legally required to do so. In case of errors or questions about your electronic transfers that appear on your External Account statements, please contact the financial institution that provided such statement to you in accordance with the terms and conditions of your External Account.

Qualifications & exceptions

• Applies to business deposit accounts only.
• Chase follows the Section 2.3 error procedures for business accounts as a practice, not a legal requirement.
• Reporting time frames come from the account agreement.

Not stated here

• The reporting time frames are in the account agreement, which is not part of this source.

Charges & Financial Obligations · Context

Transfers definitions: Automatic Payments

In the Transfers Addendum, "Automatic Payments" are Payments triggered by an associated billing date where the amount may vary each month; separate terms for Automatic Payments to Chase Loan and Credit Accounts are presented when you set them up.

Supporting quotations

5. Definitions

"Automatic Payments” refers to Payments that are triggered based on an associated billing date and the payment amount may vary each month; separate terms and conditions for Automatic Payments to Chase Loan and Credit Accounts will be presented to you at the time you set up the Payments.

Not stated here

• The separate Automatic Payment terms are presented at set-up and are not part of this source.

Charges & Financial Obligations · Context

Transfers definitions: Pay From account, Payment, Payment date, Preauthorized transfers, Repeating, Sent, Transfers

In the Transfers Addendum, a "Pay From account" is an eligible deposit you maintain with Chase from which payments are made; "Payment(s)" is the service that allows payments to eligible Chase Loans or Credit Accounts; and a "Payment date" is the date you would like your payment sent to your Chase Loan or Credit Account. A "Preauthorized Electronic Funds Transfer" is an electronic funds transfer you have authorized in advance to recur at substantially regular intervals, such as Repeating Transfers and Payments and Automatic Payments. "Repeating" means automatic recurring transfers to the same To Account for the same amount that you can authorize. "Sent" is the status of a Transfer where funds have been debited from the applicable account but the Transfer has not yet been posted. "Transfers" means Internal and External Transfers together.

Supporting quotations

"Pay From account" refers to an eligible deposit you maintain with us from which payments will be made.

“Payment(s)” refers to the service that allows for payments to eligible Chase Loans or Credit Accounts.

"Payment date" refers to the date you would like your payment sent to your Chase Loan or Credit Account.

"Preauthorized Electronic Funds Transfer” refers to an electronic funds transfer you have authorized in advance to recur at substantially regular intervals (e.g., Repeating Transfers and Payments, and Automatic Payments).

“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.

Qualifications & exceptions

• A Transfer that is Sent cannot be cancelled under the General Terms.

Charges & Financial Obligations · Context

Zelle Service Addendum: scope, trade names and last updated date

This Addendum, last updated 3/18/2026, governs your use of the Zelle service with Chase. The names Zelle with Chase, Zelle with J.P. Morgan, Chase QuickPay, QuickPay with Zelle, Send Money with Zelle, Chase Person-to-Person QuickPay, Chase QuickPay for Small Business, Zelle and J.P. Morgan QuickPay, or any other trade name Chase determines, mean the "Zelle Service" for this Addendum. Capitalized terms not defined take their meaning from the General Terms and Conditions, except as the Addendum says otherwise; the sentence cites "Section 17 below", but the Addendum’s Definitions are Section 20 and Section 17 is Termination.

Supporting quotations

Addendum:

Zelle® Service

Last updated: 3/18/2026

This Addendum governs your use of the Zelle® service with Chase as described herein. References to Zelle with Chase, Zelle with J.P. Morgan, Chase QuickPay®, Chase QuickPay® with Zelle®, QuickPay, Send Money with Zelle®, Chase Person- to-Person QuickPay, Chase QuickPay for Small Business, Zelle, and J.P. Morgan QuickPay, or other trade name or trademark as determined by us, mean, 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.

Not stated here

• The sentence cites "Section 17 below" for Addendum-specific meanings; in the supplied text Section 17 is "Termination" and the Definitions are Section 20, so the intended target is not confirmed by the document.

Charges & Financial Obligations · Context

Zelle: send and receive money with trusted Users; Zelle holds no accounts and Network Banks move the money

Chase offers eligible customers the chance to use the Zelle Network to send and receive money with others you trust who are enrolled in Zelle with Chase or with a financial institution that provides Zelle (each a "User"), using aliases such as email addresses, mobile phone numbers or other unique identifiers. Financial institutions that provide Zelle, like Chase, are "Network Financial Institutions". Zelle and its marks are wholly owned by Early Warning Services, LLC and used under license. Zelle provides no deposit account or other financial services, neither transfers nor moves money, and you may not establish a financial account with Zelle; all money is transferred by a Network Financial Institution.

Supporting quotations

1. Description of the Service; Eligibility and User Profile

a. Chase offers eligible customers the opportunity to use the Zelle Network® (“Zelle”) as a convenient way to send and receive money with others you trust who are enrolled in Zelle with us or are enrolled with a financial institution that provides Zelle through its online banking and/or mobile app (each, a “User”) using aliases, such as email addresses, mobile phone numbers or other unique identifiers described in these terms (the “Service). We will refer to financial institutions, like Chase, that provide Zelle® through its online banking and/or mobile app as “Network Financial Institutions”.

b. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

c. Zelle® provides no deposit account or other financial services. Zelle® neither transfers nor moves money. You may not establish a financial account with Zelle® of any kind. All money will be transferred by a Network Financial Institution.

Charges & Financial Obligations · Restriction or exception

Zelle is for trusted people: no purchase protection; reimbursement for some unauthorized or scam cases

The Service is intended to send money to friends, family and others you trust, and you should not use it to pay recipients you are not familiar with or do not trust. Neither Chase nor Zelle offers purchase protection for authorized payments, for example if you do not receive goods or services you paid for or they are damaged or not what you expected. Reimbursement is available for valid, timely unauthorized transactions or transactions resulting from certain qualifying imposter scams. Your deposit account agreement has your error resolution rights and the contact information for disputed transactions. The source states these points in capital letters.

Supporting quotations

d. THE SERVICE IS INTENDED TO SEND MONEY TO FRIENDS, FAMILY AND OTHERS YOU TRUST. YOU SHOULD NOT USE THE SERVICE TO SEND MONEY TO RECIPIENTS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST.

e. NEITHER WE NOR ZELLE® OFFERS PURCHASE PROTECTION FOR AUTHORIZED PAYMENTS MADE WITH THE SERVICE (FOR EXAMPLE, IF YOU DO NOT RECEIVE THE GOODS OR SERVICES THAT YOU PAID FOR, OR THE GOODS OR SERVICES THAT YOU RECEIVED ARE DAMAGED OR ARE OTHERWISE NOT WHAT YOU EXPECTED). For more information, see the section titled “No Purchase Protection” below. REIMBURSEMENT IS AVAILABLE FOR VALID, TIMELY UNAUTHORIZED TRANSACTIONS OR TRANSACTIONS RESULTING FOR CERTAIN QUALIFYING IMPOSTER SCAMS. See your deposit account agreement for information on your error resolution rights and contact information for notifying us about disputed transactions.

Qualifications & exceptions

• No purchase protection for authorized payments.
• Reimbursement applies only to valid, timely unauthorized transactions or certain qualifying imposter scams.

Not stated here

• What counts as a "qualifying imposter scam" is not defined in these paragraphs.

Charges & Financial Obligations · Permission or license

Zelle: Chase may require a trusted device, delay, block, hold, cancel or charge back payments

As a sender or recipient of any transfer using the Service, you agree Chase may, in its discretion, require a trusted device (as defined in your deposit account agreement); delay, block or cancel a payment; put a hold on the payment amount to or from the Pay From Account or another account as applicable law permits; or charge back and/or claim a refund from you for the payment amount, for reasons including fraud, scams, suspicious or illegal activity, ineligible or improper payments, payments that break Chase’s policies, network rules or terms of service, duplicate payments, incorrect payments (amount or recipient), or to meet regulatory, network or other legal obligations. This may include payments identified as originating from contact through social media, social media marketplaces and messaging apps. For example, Chase may delay or hold a payment while it verifies your identity or the other person’s identity or payment details, or because of technical difficulties or circumstances beyond its control. If Chase delays or blocks a payment you started, it notifies you in your account online and/or by email or text message. Neither Chase nor Zelle is liable for such transfers, including any failure through no fault of theirs to complete a transaction in the correct amount or to the correct recipient (for example because you entered the amount or recipient wrongly), or related losses or damages. The deposit account agreement section on restricting your account and blocking or delaying transactions has more detail.

Supporting quotations

iv. As a recipient or

(D) charge back and/or claim a refund from you for the amount of such payment, for various reasons including, but not limited to, fraud, scams, suspicious or illegal activity, ineligible or improper payment, payment does not comply with our policies or the network rules or the terms of service, duplicate payment, incorrect payment (amount or recipient) or otherwise to meet our regulatory, network or other legal obligations. This may include, but is not limited to, payments identified as originating from contact made through social media, social media marketplaces, and/or social media messaging apps. For example, we may delay or hold your payment if we need additional time to verify your identity or the identity of the person sending or receiving the money, or details about the payment, or the payment may be delayed or held due to technical difficulties or circumstances beyond our control. If we delay or block a payment that you have initiated, we will notify you in your account online and/or through email or text message. Neither we nor Zelle shall have liability to you for any such transfers of money, including without limitation, (i) any failure, through no fault of us or Zelle to complete a transaction in the correct amount or to the correct recipient (e.g. you enter the amount or recipient information incorrectly), or (ii) any related losses or damages. See Section IX.C. Restricting Your Account; Blocking or Delaying Transactions of your Chase deposit account agreement for additional details.

Qualifications & exceptions

• The reasons are introduced by "including, but not limited to".
• Chase’s notice of a delay or block is by account online and/or email or text message.
• Holds are as permitted by applicable law.

Charges & Financial Obligations · Procedure

Zelle payment speed and cutoffs: minutes if enrolled, 1-2 business days otherwise; 11:00 p.m. and 8:00 p.m. ET

If the recipient is already enrolled in Zelle, money typically reaches them in minutes. Depending on the recipient’s enrolment status and their financial institution’s policies, funds may be sent as Standard Payments, which typically arrive in 1 to 2 business days. For payments between Chase Accounts, the Cutoff Time for sending so recipients receive money the same day is 11:00 p.m. ET on any Business Day. Between a Chase Account and a Network Bank Account, the Cutoff Time for receiving payments from a Network Bank Account is 11:00 p.m. ET on any Business Day and for sending payments to a Network Bank Account is 8:00 p.m. ET on any Business Day.

Supporting quotations

7. Payment Types and Cutoff Times

When sending and receiving money with the Service, if the recipient is already enrolled in Zelle, the money typically will be available to the recipient in minutes. However, depending on the enrollment status of your recipient and/or their financial institution’s policies, funds sent using the Service may be sent as Standard Payments which will typically be received in 1-2 business days. See sections “Receiving Money”, “Requesting Money” and “Sending Money”, below, for further information.

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 a Network Bank Account: The Cutoff Time for receiving payments from a Network Bank Account is 11:00 p.m. ET on any Business Day. The Cutoff Time for sending payments to a Network Bank Account is 8:00 p.m. ET on any Business Day.

Qualifications & exceptions

• Speeds are "typical".
• Standard Payments depend on the recipient’s enrolment and institution policies.

Charges & Financial Obligations · Procedure

Zelle receiving: you cannot stop incoming payments; unenrolled recipients get nine more Business Days to enrol

You authorize Chase to accept on your behalf all payments sent to you through the Service. Once a Zelle user starts a transfer to your enrolled email address, mobile number or Zelle tag you cannot stop or cancel it. You authorize Chase to credit your primary or default enrolled account, and if that account is inactive or terminated Chase may designate another eligible, active Chase Account in your profile; payments are Cancelled if you have no designated account and no other active, eligible Chase Account. A payment from a commercial business, government agency, not-for-profit or other commercial enterprise is delivered under both this Agreement and that sender’s procedures. Chase has no control over other Users, the Network Operator or other Network Financial Institutions that could delay or prevent a transfer to you. Processing times vary with enrolment and information: Chase begins delivery on the Send On Date, sends a second notice, and gives an unenrolled recipient nine succeeding Business Days to enrol; if they do not, the transfer request is Cancelled. The sender may cancel at any time in that ten-day period if the recipient is not yet enrolled, a hold may be placed on the sender’s account for the amount, and once the recipient enrols the transfer is debited and deposited automatically. A recipient may not initiate a transfer from a third party’s From Account to their own To Account.

Supporting quotations

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, mobile phone number, or Zelle tag (if applicable) enrolled 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 enrolled for the Service. 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. Payments sent to you will be Cancelled if you have not designated any Chase Account as the primary or default account for the Service and there are no other active and eligible Chase Accounts in your profile.

b. If you are receiving a payment from a commercial business, government agency, not-for-profit organization or other commercial enterprise, your payment will be delivered in accordance with both this Agreement and the procedures of the commercial business, government agency, not-for-profit organization or other commercial enterprise that is sending you the payment.

c. We have no control over the actions of other Users, the Network Operator or other Network Financial Institutions that could delay or prevent a transfer of money to you.

d. Notwithstanding anything set forth in this Agreement, processing times vary depending on enrollment 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 enroll in Zelle at Chase or at another Network Financial Institution. At the end of this period, if the recipient still has not enrolled, 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 enrolled 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. The recipient may not initiate a transfer of funds from a third party’s From Account to the recipient’s To Account.

Qualifications & exceptions

• An unenrolled recipient has nine succeeding Business Days to enrol, after which the request is Cancelled.
• A hold may be placed on the sender’s account during that period.

Charges & Financial Obligations · Procedure

Zelle requests for payment: only to enrolled recipients, may be ignored, and expire after 14 days

You may send a request for payment only to an enrolled token (mobile number, email or Zelle tag) of a recipient enrolled in Zelle at Chase or another Network Financial Institution. You may cancel a request you sent, but if the recipient has already started a payment in response, Chase cannot guarantee that payment is cancelled; it will try unless it is a Current Day payment, is already accepted, or it is after the Cutoff Time on the Send On Date. You may request money from one or more individuals (up to a maximum Chase sets from time to time) enrolled at another Network Financial Institution using their enrolled tokens. Recipients may reject or ignore a request, Chase does not guarantee you will receive money or the requested amount, and may decide not to send a reminder or repeat request. Chase may expire all pending requests after a period it sets, currently fourteen days from the Send On Date.

Supporting quotations

9. Requesting Money

a. You may only send a request for payment using Zelle to an enrolled token (mobile phone, email or Zelle Tag) of a recipient who is enrolled in Zelle at Chase or another Network Financial Institution, you may cancel a request for payment you have sent, but if the recipient of your request has already initiated a payment in response to that request, we cannot guarantee successful cancellation of their payment. We will attempt to cancel their payment unless it is a Current Day payment, the payment is already accepted, or it is after the Cutoff Time on the Send On Date.

b. You may request money from an individual or multiple individuals (up to a maximum number as determined by us from time to time) enrolled with Zelle at another Network Financial Institution using their enrolled Zelle Token(s). 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.

Qualifications & exceptions

• Cancelling a request does not guarantee cancelling a payment the recipient has already started.
• The 14-day expiry is the current setting and Chase may change it.

Charges & Financial Obligations · Restriction or exception

Zelle sending: no stopping Funded payments; the alias you type decides; contacts may be added

You may send money at your initiation or in response to a recipient’s request. Use of the Service is subject to the Agreement and your express authorization at the time of the transaction for Chase to initiate a debit entry to your bank account. Once the payment reaches Funded status, which typically happens immediately, you cannot stop or cancel it. Otherwise you may cancel only if the person you sent money to has not yet enrolled with the email address or mobile number you used; if they have already enrolled with Zelle at a Network Financial Institution, the money goes straight to their bank account and cannot be cancelled or revoked except as otherwise provided. Chase recommends sending money only to recipients you know and trust. Payments are completed using only the email address, mobile number or Zelle tag you enter, even if it identifies someone other than your intended recipient; the name you enter helps you identify the recipient in menus and history but is not used to process the payment. You must enter the alias accurately and make sure it is current and enrolled, because an entry error does not excuse your obligation to pay. You also agree Chase may add anyone you have transacted with through the Service to your list of Zelle recipients and, with your consent, access, use and add people from the contacts on your device to update the recipient list, verify Zelle enrolment status and show a Z logo for enrolled contacts; you can add, edit or remove recipients at any time.

Supporting quotations

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, once it reaches Funded status, which typically happens immediately after you initiate the payment, you will have no ability to stop or cancel it. Otherwise, you may only cancel a payment once you initiate it if the person to whom you sent the money has not yet enrolled in the Service with the email address or mobile number to which you initiated the payment. If the person you sent money to has already enrolled with Zelle with a Network Financial Institution, the money is sent directly to their bank account and may not be canceled or revoked (except as otherwise provided herein). We therefore recommend that you use the Service to send money only to recipients you know and trust.

You acknowledge and agree that payment transfers will be completed using only the email address, mobile phone number, or Zelle tag (if applicable) 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, mobile phone number, or Zelle tag and ensure that their email address, mobile phone number, or Zelle tag is current and enrolled by the recipient in the Service 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, email address, or Zelle tag of those contacts that are enrolled. You may add, edit and/or remove any recipients at any time.

Qualifications & exceptions

• Once a payment is Funded it cannot be stopped or cancelled.
• Cancellation is possible only if the recipient has not yet enrolled with the alias used.
• Access to device contacts is subject to your consent.

Charges & Financial Obligations · Procedure

Zelle between Chase accounts: funds should arrive in minutes; failed transfers are not retried

To send money between two Chase Accounts, sender and recipient must each keep an eligible Chase Account. Subject to Zelle dollar limits, you may transfer up to your available balance plus any overdraft protection account. You authorize Chase to withdraw funds from your From Account for all transfers you start and agree to have enough funds on the Send On Date until the transfer is Completed or Cancelled (subject to a cited "Section 7(e)"), and Chase need not make a transfer unless funds suffice. Transfers are Funded from your From Account on the date of acceptance. Funds should typically be available within minutes, and no later than the next Business Day if sent before the Cutoff Time. A Current Day transfer instruction received after the Cutoff Time or on a non-Business Day is not a Current Day transfer and is processed the following Business Day. If funds are insufficient for a Current Day, Repeating or Future Dated transfer on the Send On Date, the transfer fails and Chase does not retry.

Supporting quotations

Sending Money Between Chase Accounts

To use the Service to send money between two Chase Accounts, the sender and the recipient must each maintain an eligible Chase Account. Subject to Zelle dollar limits on transactions, 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.

Qualifications & exceptions

• No repeat debit attempts are made after a failed Zelle transfer.

Not stated here

• The cited "Section 7(e)" does not match a lettered subsection in Section 7 of the supplied text, so the exception it points to is not confirmed.

Charges & Financial Obligations · Procedure

Zelle with non-Chase banks: funds, no retries, and availability of one to three Business Days

To send and receive money between a Chase Account and a Network Bank Account at another institution, the parties need at least one eligible Chase Account and at least one other Network Bank Account. A holder of an account at another Network Financial Institution can enrol with their own institution and need not enrol with Chase. To send from a Chase Account you may transfer up to your available balance plus any overdraft protection account. For transfers from a Chase Account to another Network Bank, you authorize Chase to charge your From Account for transfers you start and agree to have enough funds, including any fees, on the Send On Date until the transfer is Completed or Cancelled, subject to a cited "Section 7(e)", and Chase need not make a transfer without sufficient available funds (including any overdraft protection). If funds are insufficient on the date of acceptance the transfer fails and Chase does not retry. Transfers to an unenrolled recipient at another institution are deducted once the recipient enrols; otherwise funds are deducted when you start the transfer and it reaches Funded status, typically immediately. Funds typically reach the other bank when Chase sends a guarantee of payment or similar notice, which may be within minutes or within two Business Days after acceptance, and Chase gives information on availability after submission. Transfers from a Network Bank Account to a Chase Account are subject to the sending institution’s terms and may be delayed or cancelled in its sole discretion; funds are typically available in the Chase account when Chase receives a guarantee of payment or similar notice, within minutes or within three Business Days after acceptance, subject to the processing times of the institution and payment networks, and Chase informs you by email, message, SMS and/or in your account.

Supporting quotations

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 other than Chase, the parties must use at least one eligible Chase Account with us and at least one other Network Bank Account. The holder of an account with a Network Financial Institution other than Chase may enroll in Zelle with the Network Financial Institution holding their account and will not be required to enroll in Zelle with Chase. 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 other than Chase: 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 an unenrolled recipient at a Network Financial Institution will be deducted from the From Account held by us once the recipient enrolls. Otherwise, funds are deducted when you initiate the transfer and it reaches Funded status, which typically happens immediately after initiation. Funds will typically be available in the non-Chase Network Bank Account when J.P. Morgan Chase sends a guarantee of payment or a similar notice to the Network Financial Institution, and depending on the Network Financial Institution 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 non-Chase Network Bank Accounts to Chase Accounts are subject to the terms of service of the Network Financial Institution and may be delayed or cancelled as the Network Financial Institution may determine in its sole discretion.

Funds will be typically available in the Chase account when J.P. Morgan Chase receives a guarantee of payment or a similar notice from the Network Financial Institution sending the transfer, and depending on the Network Financial Institution, that may be within minutes or within three Business Days following acceptance, subject to the processing times of the Network Financial Institution and payment networks. After acceptance, we will provide you with information on when the funds for each transfer will become available through a communication (e.g., email, message via our Digital Platforms, SMS) and/or in your account online or in the mobile app.

Qualifications & exceptions

• Availability times depend on the other Network Financial Institution.
• A failed transfer is not retried.

Not stated here

• The cited "Section 7(e)" does not match a lettered subsection in Section 7 of the supplied text, so the exception it points to is not confirmed.

Charges & Financial Obligations · Restriction or exception

Zelle send limits: tiered daily limits from $500 to $15,000, set dynamically, with no limit on receiving

Chase places a daily dollar send limit on Zelle payments from your eligible Chase checking accounts even if your available balance is higher, may allow transactions above your limits or temporarily reduce them without notice for security, and may refuse transactions over the limits or to protect your account or the transfer system. Zelle transfers can be any amount from $1 up to the limit that applies to the transaction, with limits aggregated across all your combined Chase accounts enrolled with the Service. To help protect against fraud and scams, Chase dynamically determines the limit for each transaction when you set it up, based on factors including your recipient, and each transaction falls within a tier limit reflecting the total you can send to all recipients in that tier in a day. The table of Daily $ Limits has columns for Chase Consumer Bank, Chase Private Client, Chase Business Banking, JPMorgan Private Bank and JPMorgan Wealth Management. Tier 0 is $500 for Chase Consumer Bank and $1,000 for each other column; Tier 1 is $2,000 for Chase Consumer Bank and $5,000 for each other column; Tier 2 is $5,000 for Chase Consumer Bank and $7,500 for each other column; Tier 3 is $10,000 for Chase Consumer Bank and $15,000 for each other column. Chase shows the applicable limit when you set up a payment, shows the remaining daily limit for same-day sends to another recipient in the same tier, and says the tiers rest on factors it cannot share for security reasons, which may change in its discretion. Chase does not currently limit the dollar amount you may receive each day. Chase may decline a Future dated or Repeating transfer on the Send On date if it exceeds the applicable tier limit, even if your balance is higher.

Supporting quotations

11. Transfer Limits

To protect your account, we place a daily dollar send limit on Zelle payments sent from your eligible Chase checking accounts, even if your available balance is higher than the daily limit. However, we may allow transactions that exceed your limits or temporarily reduce your limits without notice, for security purposes. We may refuse to process any transaction that exceeds the applicable limits or to protect the security of your account or the transfer system.

Zelle transfers from your Chase Accounts may be made in any amounts from $1 up to the limit applicable to your transaction. Limits are aggregate from all of your combined Chase accounts enrolled with the Service. To help protect you from fraud and scams, Chase dynamically determines the limit for each transaction at the time you set it up based on a number of factors including your recipient. Each transaction will fall within a tier limit that reflects the aggregate total you can send to all recipients within that tier in a day:

| Daily $ Limits | Chase Consumer Bank | Chase Private Client | Chase Business Banking | JPMorgan Private Bank | JPMorgan Wealth Management |

| Tier 0 | $500 | $1,000 | $1,000 | $1,000 | $1,000 |

| Tier 1 | $2,000 | $5,000 | $5,000 | $5,000 | $5,000 |

| Tier 2 | $5,000 | $7,500 | $7,500 | $7,500 | $7,500 |

| Tier 3 | $10,000 | $15,000 | $15,000 | $15,000 | $15,000 |

We’ll show you the applicable limit for your transaction in the Chase Mobile app or Chase online when you set it up. For same day payments, if you’ve already sent a transaction to someone that day, we’ll show you the remaining amount of your daily limit if you send to another recipient within the same tier. The limit tiers are based on a number of factors which we cannot share for security reasons and which may change from time to time in our discretion. We do not currently limit the dollar amount you may receive each day through Zelle.

We may decline a Future dated or Repeating Zelle transfer on the Send On date if it exceeds the applicable tier limit for the transaction, even if your available balance is higher than the limit.

Qualifications & exceptions

• The limit shown at set-up is determined dynamically and depends on factors including the recipient.
• The tier factors are not disclosed and may change.
• Chase Consumer Bank customers have lower tier amounts than the other segments.
• There is currently no limit on the amount you may receive each day.

Not stated here

• The factors that place a recipient in a tier are not disclosed.

Charges & Financial Obligations · Procedure

Zelle repeating transfers: same fixed amount on the same day, printed authorization, cancel online

Repeating transfers for the same fixed amount each month are sent according to your Instructions on the same calendar day of each period you designate, or the prior Business Day if the regular Send On Date falls on a non-Business Day. To authorize one you agree to have a printer or other means to get a printed copy of your authorization, and if you have none you agree to authorize each Repeating transfer one transaction at a time until you do. You can cancel a Repeating transfer online, or, if you cannot access the Online Service, call customer service or write to Online Customer Service at the address given.

Supporting quotations

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, 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.

Qualifications & exceptions

• The sentence about the prior Business Day is split across two blocks in the source text.

Charges & Financial Obligations · Company practice

Zelle fees: no Chase service fee, but account, overdraft and connection costs may apply

There is no service fee from Chase to use the Service, but the Chase Account you use may have its own fees, which are in your deposit account agreement and fee schedule. If Chase processes a transfer per your Instructions that overdraws your Chase Account, it may assess a fee or charge interest under your deposit account agreement. Chase is not liable for failing to pay a transfer request unless it is drawn against available funds credited to the designated From Account. You pay any telephone company, utility or internet access charges for connecting to the Service.

Supporting quotations

14. Zelle Fees

There is no service fee from us to use the Service, but your eligible Chase Account used in connection with the Service may have its own fees. Check your deposit account agreement and accompanying fee schedule for information on account fees. Additionally, 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.

Not stated here

• Account fees are in the deposit account agreement and fee schedule, which are not part of this source.

Charges & Financial Obligations · Restriction or exception

Zelle has no purchase protection, and consumer account liability follows your deposit account agreement

Neither Chase nor Zelle offers a purchase protection program for buying goods or services, such as coverage for non-receipt, damage or "not as described" claims. The Service is not intended for buying goods from retailers or merchants, including on or through social media, online or social media marketplaces or messaging apps. For Consumer Accounts, your deposit account agreement has the important information about your rights and obligations for liability on your account. A consumer account is one used primarily for personal, family or household purposes and all others are business accounts; you should use your Consumer Account for personal, family or household payments and your Business Account for business payments. If you do Zelle transactions from Business Accounts, the paragraphs for business accounts below apply. Network Bank Accounts are subject to the agreement of the Network Financial Institution.

Supporting quotations

18. No Purchase Protection

Neither we nor Zelle offer a purchase protection program 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, including on or through social media or online or social media marketplaces or messaging apps.

For Consumer Accounts, please see your deposit account agreement for important information about your rights and obligations regarding liability for activity on your account. A consumer account is one that is used primarily for personal, family or household purposes; all other accounts are business 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. If you perform Zelle transactions from Business Accounts enrolled in the Service, please refer to the paragraphs below beginning with “ADDITIONAL TERMS APPLICABLE ONLY TO THE SERVICE FOR BUSINESS ACCOUNTS” for additional terms applicable to business transactions. Network Bank Accounts are subject to the terms of the agreement of the Network Financial Institution.

Qualifications & exceptions

• The no-protection statement covers purchases of goods and services.
• Reimbursement for unauthorized transactions and qualifying imposter scams is mentioned earlier in the Addendum and governed by the deposit account agreement.

Not stated here

• The deposit account agreement is a separate document not part of this source.

Charges & Financial Obligations · Restriction or exception

Zelle business deposit accounts: you answer for credentialed transfers; report problems within 30 days of the statement

For Chase Business Deposit Accounts only, you are responsible for all transfers authorized using your Password or login credentials, and for transactions others authorize if you let them use the Service, your Password or login credentials. Chase has no liability for errors or losses in using the Service except where it fails to exercise ordinary care, nor for failing to provide a service if the account is no longer linked, and its liability is limited to the funds improperly transferred less any amount that would have been lost even with ordinary care. Regardless of care by either party, failing to report an unauthorized transfer or error within thirty days of Chase providing or making available a bank statement showing it relieves Chase of liability for losses after that thirty-day period and bars you from asserting the claim. For Business Accounts, Chase says its practice is generally to follow the error resolution procedures in your deposit account agreement for consumer electronic fund transfers, but it is not legally required to and is not obliged to continue for future transfers.

Supporting quotations

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 or login credentials to access the Zelle Service. If you permit other persons to use the Service, your Password or other login credentials, 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 use with 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

Except as noted in the prior section, for Business Accounts, our practice is to generally follow the error resolution procedures described in your deposit account agreement for errors related to electronic funds transfers from consumer deposit accounts, but (i) we are not legally required to do so, and (ii) providing any such error resolution procedures to Business Accounts does not obligate us to continue to do so for any future transfers.

Qualifications & exceptions

• Applies to Chase Business Deposit Accounts only.
• The reporting window is thirty days from the statement showing the transfer.
• Chase’s practice of following consumer error procedures for business accounts is not a legal requirement and not a continuing promise.

Charges & Financial Obligations · Context

Zelle definitions: acceptance, Chase Account, Completed, In Process, Network Bank, Send On Date and Zelle platforms

In the Zelle Addendum, "Accept" or "acceptance" is the recipient’s consent to receive the funds, given by the recipient or by the institution holding the account for them, manually or automatically, and for institutions that accept payments for their accountholders, including Chase, the date of acceptance typically has the same meaning as the Send On Date. A "Chase Account" is an eligible checking account held by Chase, or another eligible Chase account Chase determines, enrolled for the Service. "Completed" means funds have been successfully processed and both the To and From Accounts updated, which does not necessarily mean the To Account has received them. "In Process" means the requested funds are in transit but not yet credited to the To Account. "Network Bank" and "Network Financial Institution" mean a financial institution participating from time to time in the Zelle network, and a "Network Bank Account" is an account enrolled in Zelle with Chase or another Network Financial Institution. "Repeating" means automatic recurring payments or transfers to the same To Account for the same amount. "Send On Date" is the date you select to start delivery and notify the recipient, and the date funds are delivered may vary with available funds, the Business Day, acceptance and the recipient’s enrolment status and may be on or after the date entered. "Zelle" refers to a service of Early Warning Services, and the "Zelle platforms" are zellepay.com and/or the Zelle mobile application that Zelle makes available to certain Users.

Supporting quotations

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 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 an eligible checking account held by us or other eligible J.P. Morgan Chase account as determined by us from time to time and enrolled for the Service.

“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.

“Network Bank” and “Network Financial Institution” refers to a financial institution participating from time to time in the Zelle digital payments network.

"Network Bank Account” refers to an account enrolled in Zelle with Chase or with another Network Financial Institution.

“Repeating” refers to automatic recurring payments or transfers 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 enrollment status in Zelle, 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

“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.

Qualifications & exceptions

• The delivery date can be later than the Send On Date.