Chase Digital Services Agreement

Charges & Financial Obligations · User right or choice

Alerts are free from Chase, but carrier text charges are yours; STOP and HELP codes

Chase charges no service fee for Alerts, but you are responsible for any charges your Communication Service Provider imposes if Alerts are sent by text, and message and data rates may apply. To cancel Alerts sent by text, send STOP to 24273 at any time (J.P. Morgan Online clients only: 576746), and you expressly consent to receive a text message confirming your STOP request. For help, text HELP to 24273 (J.P. Morgan Online clients only: 576746) or contact customer service at 877CHASEPC (877-242-7372) (J.P. Morgan Online clients only: 866-265-1727).

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.

For help or information on Alerts services, text HELP to 24273 (J.P. Morgan Online clients only, text HELP to 576746). For additional assistance with Alerts, contact customer service at 877CHASEPC (877-242-7372) (J.P. Morgan Online clients only call 866- 265-1727).

Qualifications & exceptions

• The STOP and HELP short codes and the phone number differ for J.P. Morgan Online clients.

Charges & Financial Obligations · Company practice

Cutoff Times follow Chase's clocks; late Instructions may process early

Cutoff Times in the agreement reflect the time on Chase's internal system clocks, which may not match the clock on your computer or mobile device, so Chase suggests sending Instructions well before a cutoff. Instructions entered after the Cutoff Time with a Send On Date of the Current Day or next Business Day may start to process immediately and may be Funded before the Send On Date you asked for.

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

• Late Instructions with a Send On Date of the Current Day or next Business Day may be processed and Funded early.

Not stated here

• The specific Cutoff Time for each Service is set in the Addendum for that Service.

Charges & Financial Obligations · Company practice

Scheduled transfers are reviewed and may be delayed, held, refused or debited during review

All scheduled funds transfer requests under the agreement, including ACH, Bill Payments, Transfers, Zelle, Wires and Real-Time Payments, are subject to internal review such as fraud review and, where applicable, review for OFAC or other regulatory compliance, which includes the recipient. A transaction may be delayed or held and may not be approved, and Chase may contact you to verify information. During the review Chase may subtract funds from your account or place a hold on it, which may delay processing. After Chase releases the transfer, the recipient's bank may delay credit under 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.

During our internal review, we may subtract funds from your account or place a hold on your account which may result in processing delays.

the recipient’s bank may delay credit to the recipient due to their own internal review processes.

Qualifications & exceptions

• Applies to scheduled funds transfer requests, including ACH, Bill Payments, Transfers, Zelle, Wires and Real-Time Payments.
• The list of transfer types is given as examples (e.g.).

Charges & Financial Obligations · Restriction or exception

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

You agree Chase may rely on the payment details, instructions and recipient details you provide. Chase, its affiliates and its third parties are not responsible or liable for direct, indirect, incidental, special, compensatory, consequential or exemplary 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

• Covers disputes about sending, receiving or requesting money through Chase's platforms, Services or Products.

Not stated here

• This clause does not say how it interacts with error-resolution rights in the Addenda or in law.

Charges & Financial Obligations · Company commitment

Arbitration costs: you pay the filing fee unless waived; Chase pays first two hearing days

Unless the administrator waives your initial filing fee, you must pay it, but if you and Chase settle before the hearing, Chase will reimburse you up to $500 of filing fees as part of the negotiated settlement. If there is no settlement before the hearing, Chase also pays the fees of the arbitrator and administrator 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 allocated 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 if a settlement is reached before the hearing, as part of the settlement terms.
• Chase pays the first two hearing days' fees if no settlement is reached before the hearing.

Charges & Financial Obligations · Context

Glossary: Business Day, Current Day, Cutoff Time, Deliver By Date and ET

A Business Day is Monday through Friday excluding federal holidays, and for Transfers to or from Investment Accounts through Internal Transfers it also excludes Good Friday. Current Day refers to a payment, including a Bill Payment, ACH Collection or Transfer, from an account Chase holds that is scheduled with a present-day Send On Date, or the next Business Day if scheduled after the Cutoff Time. The Glossary says a Cutoff Time is the time by which Chase must receive Instructions for them to be considered entered on that Business Day and refers to each Addendum for details; the ACH Collections Addendum sets it at 7:00 p.m. ET on any Business Day. Deliver By Date is the date you would like a payment or Transfer delivered to the recipient, which may or may not be the date a Payee posts it. ET is defined as Eastern Standard Time.

Supporting quotations

“Business Day” | 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.

“Current 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.

“Cutoff Time” | 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

“Deliver By Date” | 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.

“ET” | Refers to Eastern Standard Time.

Qualifications & exceptions

• Good Friday is also excluded as a Business Day only for Transfers to or from Investment Accounts via Internal Transfers.
• Cutoff Times vary by Addendum; 7:00 p.m. ET is the ACH Collections figure.

Not stated here

• The Glossary defines ET as Eastern Standard Time and does not say how daylight saving time is handled.

Charges & Financial Obligations · Context

Glossary: Cancelled, Funded, Funding Failed, From Account, Delivery Method and External Transfers

Cancelled means a payment or Transfer, including an ACH Collection or ACH Payment, will neither be processed nor sent for any reason. Funded means a payment amount has been withdrawn from the available balance or available credit of your From Account, or an amount to be Transferred has been withdrawn from (or charged against, for a line of credit) the available balance of your From Account. Funding Failed means a payment or Transfer will not be delivered after multiple unsuccessful attempts to withdraw funds from the appropriate From Account on consecutive Business Days, or the financial institution holding your External Account notifies Chase that your attempted Transfer from it could not be completed. A From Account is an eligible account from which a payment, Transfer or other transaction is requested and made. Delivery Method is how a payment is transmitted, electronically or by check. External Transfers is the part of the Transfers Service that lets you instruct Chase to pay or Transfer to or from accounts not held by Chase.

Details not recorded for this card

Supporting quotations

“Cancelled” | Refers to when a payment or Transfer, including any ACH Collection or ACH Payment, will neither be processed nor sent for any reason.

“Delivery Method” | Refers to the way your payment is transmitted (i.e., either electronically or via check).

“External Transfers” | 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.

“From Account” | 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.

“Funded” | Refers to when a payment amount has been withdrawn from the available balance or available credit of your From Account or when an amount to be Transferred has been withdrawn from (or in the case of a line of credit, charged against) the available balance of your From Account.

“Funding Failed” | 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.

Qualifications & exceptions

• Funding Failed occurs after multiple unsuccessful attempts on consecutive Business Days, or when the External Account institution reports the Transfer could not be completed.

Not stated here

• How many attempts count as multiple is not stated in the Glossary.

Charges & Financial Obligations · Context

Glossary: Funds Needed, Future Dated, Pending, Processed and Paid status terms

Funds Needed means an Instruction was not processed because the From Account had insufficient funds or available credit after the first and/or second attempt to withdraw. Future Dated refers to Instructions not scheduled to begin processing on the current Business Day; only Business Days may be selected, and Future Dated Collections include any Instruction entered after the Cutoff Time on any Business Day or on a non-Business Day. Pending refers to an Instruction you ordered that you have not Cancelled before the Cutoff Time on the Send On Date, and all Future Dated ACH Collections and ACH Payments are Pending from entry until Chase releases them or they are Funded. Processed means an electronic payment has been sent to the payee, but because electronic payees do not confirm receipt or processing to Chase, you need to contact the payee directly for confirmation. Paid means a payment by paper check is complete because the check was presented to Chase for payment.

Details not recorded for this card

Supporting quotations

“Funds Needed” | 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.

“Future Dated” | 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.

“Pending” | 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”.

“Processed” | 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.

“Paid” | 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; Chase says it does not get confirmation from electronic payees.

Charges & Financial Obligations · Context

Glossary: Instructions, Item, Payee, Person, Primary Account, Internal Transfers and Information Providers

Instructions are the information you or the sender gives Chase for a payment, Bill Payment, ACH Payment or Transfer to be delivered to a Payee, Chase Loan or Credit Account or To Account, an ACH Collection to be collected from the Payor, or funds to be delivered to the Payee or To Account, including the Payee or To Account name, account number and Deliver By Date. An Item is a paper check or other paper source document payable only in U.S. Dollars. A Payee is the merchant or other person or entity you designate to receive a payment or Transfer. A Person is a natural person or a business, government or nonprofit entity. The Primary Account is the eligible checking or prepaid account you designate for paying potential monthly service fees. Internal Transfers are the part of the Transfers Service for transfers between two eligible accounts held by Chase. Information Providers are providers of securities prices and quotations on the Services, including securities markets such as the New York Stock Exchange, the American Stock Exchange, NASDAQ and other exchanges, their affiliates, agents and other parties. An Internet Service Provider is an entity offering transmission, routing or connections for digital communications or Internet access.

Details not recorded for this card

Supporting quotations

“Instructions” | 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).

“Item” | Refers to a paper check or other paper source document only payable in U.S. Dollars.

“Payee” | Refers to the merchant or other person or entity to whom you designate a payment or Transfer to be directed.

“Person” | Refers to a natural person or a business, government, or nonprofit entity.

“Primary Account” | Refers to the checking or prepaid account, if eligible, you designate for paying any potential monthly service fees.

“Internal Transfers” | Refers to the portion of the Transfers Service that allows you to issue Instructions to us for transfers between two eligible accounts held by us.

“Information Providers” | 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.

“Internet Service Provider” | Refers to an entity offering the transmission, routing, or providing of connections for digital communications or access via the Internet.

Qualifications & exceptions

• An Item is limited to paper checks and paper source documents payable only in U.S. Dollars.
• Information Providers includes other exchanges, their affiliates, agents and other parties.

Charges & Financial Obligations · Context

Glossary: Sender, Receiver, Sending Financial Institution and Receiver Addressing Information

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

Details not recorded for this card

Supporting quotations

“Receiver” | Refers to a Person that receives a payment through the Real-Time Payments Service.

“Receiver Addressing Information” | 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.

“Sender” | Refers to a Person that sends a payment through the Real-Time Payments Service.

“Sending Financial Institution” | 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

• These terms are defined for the Real-Time Payments Service.

Charges & Financial Obligations · Context

Glossary: Send On Date, Transfer Date, Transfers, Repeating Bill Payments, To Account, Regional ACH and Rules

Send On Date, unless otherwise defined, is the date Chase begins the delivery process or sends a request to withdraw funds from your External Account and begins delivery, and may or may not be the date funds leave your From Account. Transfer Date is the date Chase begins the delivery process for Transfers through the Internal Transfer Service or External Transfer Service, the date the Transfer request is sent. Transfers are transfers of funds under an Instruction to move funds electronically from one account to another. Repeating Bill Payments are automatic recurring Bill Payments or Transfers to the same Payee or To Account for the same amount (or a varying amount for variable automatic bill payments) that you can authorize. A To Account is the account to which funds will be transferred as you request through any of the Services. Regional ACH is the applicable automated clearing house, and Rules are the rules of NACHA and any Regional ACH.

Details not recorded for this card

Supporting quotations

“Send On Date” | 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.

“Transfer Date” | Refers to the date we will begin the delivery process for Transfers made via the Internal Transfer Service, or the External Transfer Service.

sent.

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

“Repeating Bill Payments” | 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.

“To Account” | Refers to the account to which funds will be transferred as requested by you via any of the Services.

“Regional ACH” | Refers to the applicable automated clearing house.

“Rules” | Refers to the rules of NACHA and any Regional ACH.

Qualifications & exceptions

• Send On Date may differ from the date funds are withdrawn from the From Account.
• Individual Addenda may define Send On Date differently.

Charges & Financial Obligations · Restriction or exception

Aggregation Service: Chase's liability for direct damages is capped at $1.00

The Addendum says the exclusions are fundamental elements of the basis of the agreement and Chase could not provide the service without them. However, in no event will Chase be liable to you for direct damages caused by Chase in excess of $1.00, and you agree that this limited remedy survives a failure of its essential purpose.

Supporting quotations

THE FOREGOING EXCULPATION PROVISIONS ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE AGREEMENT BETWEEN US AND YOU AND WE COULD NOT PROVIDE THE SERVICE WITHOUT THESE PROVISIONS.

HOWEVER, IN NO EVENT WILL WE BE LIABLE TO YOU FOR DIRECT DAMAGES CAUSED BY US IN EXCESS OF $1.00; THIS LIMITED REMEDY IS AGREED TO BY YOU AND SURVIVES A FAILURE OF ITS ESSENTIAL PURPOSE.

Qualifications & exceptions

• The $1.00 cap applies to direct damages caused by Chase in connection with the Aggregation Service.

Not stated here

• The Addendum does not say whether other sections of the agreement change this cap for the Aggregation Service.

Charges & Financial Obligations · Company commitment

You must hold the authorizations to debit Payors, share them on request and avoid international ACH

You agree to obtain all authorizations required by applicable law and the NACHA Rules to originate Debit Entries to the Payor's account through the ACH Collections Service and to give Chase copies within the time requested if it asks. You agree not to use the service for International ACH Transactions, which the agreement prohibits, and to take all appropriate measures to ensure the accuracy of the Instructions you submit.

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.

Qualifications & exceptions

• Applies to Debit Entries originated through the ACH Collections Service.
• Copies must be provided within the time period Chase requests.

Not stated here

• The NACHA Rules themselves are not part of this document.

Charges & Financial Obligations · Procedure

Repeating ACH Collections move to the preceding Business Day when dates fall on a non-Business Day

If you schedule Repeating ACH Collections and the Send On Date falls on a non-Business Day, the Send On Date, the day the collection begins processing, moves to the immediately preceding Business Day while the Deliver By date stays the same. 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 move to the immediately preceding Business Day. The Addendum states these rules twice.

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.
• If only the Send On Date falls on a non-Business Day, the Deliver By date does not move.

Charges & Financial Obligations · User right or choice

Cancel a Pending Collection by the Cutoff Time on the Send On Date; no changes after scheduling

You may cancel a Pending Collection through the 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, and you may not amend or modify Instructions or Pending Collections once scheduled.

Supporting quotations

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.

Qualifications & exceptions

• Cancellation deadline is the Cutoff Time on the Send On Date.
• No amendment or modification once scheduled.

Charges & Financial Obligations · Restriction or exception

Chase may set dollar limits on ACH Collections; Bill Payment and Transfers terms apply too

You may use the service to request collection of Current Day, Future Dated and Repeating ACH Collections from your Payor. Chase may from time to time set minimum and maximum transactional and daily dollar limits on ACH Collections initiated via the Services, in its discretion and at its option. The Bill Payment Service and Transfers Service Addenda apply equally to ACH Collections as if restated in this Addendum, unless the context clearly indicates otherwise.

Supporting quotations

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

• Chase sets limits in its discretion and at its option.
• The Bill Payment and Transfers Addenda apply unless context clearly indicates otherwise.

Not stated here

• The dollar limits are not stated in this Addendum.

Charges & Financial Obligations · Company practice

ACH Collections fees: $25.00 monthly for 25 collections, $0.25 beyond, $2.50 reversals and returns

For J.P. Morgan Private Bank accounts, the applicable fee schedule governs. For all other accounts, a recurring monthly service fee of $25.00 is charged from the month the service is established and covers twenty-five ACH Collections per month, with $0.25 for each collection beyond twenty-five in a month. A fee of $2.50 is charged for each collection reversal request and for each item returned for any reason by the Payor's bank, or $3.00 if the account is a Chase Analysis Business Checking or Chase Analysis Business Checking with Interest account. The charges are assessed to the account you designate as the Primary Account. Chase reserves the right to add, delete or modify charges from time to time upon notice to you.

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.

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.

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 the applicable fee schedule instead of these figures.
• The returned-item fee is $3.00 for Chase Analysis Business Checking accounts, $2.50 otherwise.
• Chase may add, delete or modify charges upon notice.

Not stated here

• The Private Bank fee schedule is not part of this document.

Charges & Financial Obligations · Company practice

Collections by 7:00 p.m. ET credit on the Deliver By Date, with funds available three Business Days later

Transmissions must be completed by Chase's Cutoff Time for processing to start the same Business Day, and those completed after it are processed the following 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 Time are added to your 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 the Deliver By Date, in each case subject to the Payor's bank returning or reversing the Debit Entries. Repeating ACH Collections are credited on their own Deliver By Date and also become available three Business Days later. A Repeating Collection scheduled for a non-Business Day has its Send On Date moved to the immediately preceding Business Day, and a collection returned or reversed by the Payor's bank is charged to the Deposit To account as provided in Section 9 of the Addendum.

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.

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.

Qualifications & exceptions

• Funds become available three Business Days after the ACH Deliver By Date, subject to return or reversal by the Payor's bank.
• The current Cutoff Time is 7:00 p.m. ET.

Not stated here

• The Addendum cites Section 9 for charging back returned or reversed collections, while the chargeback wording appears in the section headed 10, Rejections; Returns; this analysis reports the citation as written.

Charges & Financial Obligations · Company practice

Chase can hold collected funds until the debits can no longer be reversed

Chase reserves the right at any time to delay the availability of funds transferred into the Deposit To account by Debit Entry until those debits can no longer be reversed under the Rules.

Supporting quotations

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

• The delay can last until the Debit Entry cannot be reversed in accordance with the Rules.

Charges & Financial Obligations · Company practice

Duplicate collections for the same amount, Payor and date are processed and released

Duplicate ACH Collections entered for the same amount, Payor name and ACH Deliver By Date will be processed and released for Collection, so Chase does not block them as duplicates.

Details not recorded for this card

Supporting quotations

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

Qualifications & exceptions

• Duplicates are identified by the same amount, Payor name and ACH Deliver By Date.

Charges & Financial Obligations · Company practice

Chase can set or change exposure limits on outstanding Debit Entries without notice

Chase may from time to time establish or revise maximum dollar limits for the aggregate value of all outstanding Debit Entries it will release on your behalf. The limits may be revised or cancelled by Chase at any time without prior notice.

Supporting quotations

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 cover the aggregate value of all outstanding Debit Entries released on your behalf.
• Revision or cancellation needs no prior notice.

Not stated here

• The dollar amount of any limit is not stated in the Addendum.

Charges & Financial Obligations · Restriction or exception

Collections go only to Payors at ACH member banks; you are told only of problems

ACH Collections are transmitted via the ACH network and are allowed only to Payors with accounts at ACH member banks. You will be notified by a message on the Digital Platforms or by email only if there is a problem or error with the information you originally transmitted.

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.

Qualifications & exceptions

• Notice is given only if there is a problem or error with the information you transmitted.

Charges & Financial Obligations · Procedure

On-Us Entries are debited on Chase's books; others go to the Regional ACH

For Debit Entries to accounts of Receivers at JPMC (On-Us Entries), JPMC debits the Receivers' accounts on its books. For Entries intended for accounts of Receivers at RDFIs, JPMC processes and transmits them to the applicable Regional ACH for processing and transmittal to the RDFIs.

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.

Qualifications & exceptions

• Different handling for On-Us Entries and Entries to other institutions.

Charges & Financial Obligations · Restriction or exception

You fix rejected Instructions; returned or reversed debits are charged back to your Deposit To account

Chase will notify you of Instructions it rejects or Debit Entries rejected or returned by the RDFI, and you are responsible for correcting and re-submitting appropriate Instructions. If a Debit Entry is returned or reversed for any reason after Chase has credited the Deposit To account, or if Chase does not receive final settlement for any reason, Chase will charge the amount back to the Deposit To account or claim a refund from you.

Supporting quotations

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

• Applies to returns or reversals after credit, and to a failure to receive final settlement, for any reason.

Charges & Financial Obligations · Procedure

Collection reversals only by phone within five Business Days, with no guarantee

A reversal request can be started only by calling 877-CHASEPC (877-242-7372) 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. Reversal requests are accepted on the express understanding that Chase does not guarantee the RDFI will honor them, and reversal requests, processed reversals and other reversal activity will not appear 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

• Deadline is five Business Days from the settlement date.
• Chase does not guarantee that the RDFI will honor a reversal request.

Charges & Financial Obligations · Restriction or exception

You carry the risk of mismatches between names and identifying numbers

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 identified in the Instructions. The RDFI may debit the Payor's account based on an account number even if it identifies a different person. You assume full responsibility for any inconsistency between the name and identifying number of any bank or Payor in your Instructions and in Entries Chase processes from them.

Supporting quotations

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

Qualifications & exceptions

• Chase may rely on the identifying number alone.

Charges & Financial Obligations · Context

ACH Collections definitions: Deliver By Date, Cutoff Time, Payor, Repeating, Send On Date and more

In this Addendum, ACH is the Automated Clearing House network used to route ACH Collections to Payor accounts for business customers enrolled in the service, and an ACH Collection is a debit entry sent via the ACH or internally, if the Payor's account is at J.P. Morgan Chase, to move 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 made available three Business Days later, and is always at least one Business Day after the Send On Date. The Cutoff Time is 7:00 p.m. ET on any Business Day. A Debit Entry is an electronic debit to a Payor's account through the service, and a Deposit To account is the deposit account you keep with Chase that receives collected funds. In Process means an ACH Collection is no longer Pending and cannot be changed or Cancelled. A Payor is a person or entity that has authorized you to initiate a Debit Entry to its bank account. A Repeating ACH Collection is an automatic recurring collection from the same Payor for the same amount that you can set up up to 365 days in advance. The Send On Date is the Business Day of your choice on which the collection begins processing.

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 and is the time by which we must receive Instructions to have them considered entered on that particular Business

Day.

“Debit Entry” refers to an electronic debit to a Payor’s account affected through the ACH Collections Service.

“Deposit To account” refers to the deposit account you maintain with us to which funds received from ACH Collections will be credited.

“In Process” refers to that an ACH Collection is no longer “Pending” and it cannot be changed or Cancelled.

“Payor” refers to a person or entity that has authorized you to initiate a Debit Entry to such person’s or entity’s bank account.

“Repeating ACH Collection” refers to automatic recurring ACH Collections from the same Payor for the same Collection amount, which you can establish up to 365 days in advance.

“Send On Date” refers to the Business Day of your choice upon which your ACH Collection will begin processing.

Qualifications & exceptions

• These definitions apply to the ACH Collections Service Addendum.
• A Repeating ACH Collection must be for the same Payor and the same amount and can be set up to 365 days in advance.

Charges & Financial Obligations · Context

A Transaction Number confirms Chase received your Instructions

In the ACH Collections Service Addendum, a Transaction Number is the number Chase sends in response to your Instructions to confirm that it has received them.

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

• Confirms receipt of Instructions by Chase.

Not stated here

• The definition does not say that the Transaction Number confirms the Instructions were accepted or processed.

Charges & Financial Obligations · Company practice

All payments are reviewed for fraud and compliance and can be delayed or rejected

Same-Day ACH Payments are subject to the terms and pricing applicable to ACH Payments, though additional terms and fees may also apply. All payments made through the ACH Payment Services are subject to review for fraud, regulatory or compliance purposes, and the 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.

Supporting quotations

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

• Applies to all payments through the ACH Payment Services.
• Notice is promised when a payment cannot be processed on the original Send On Date.

Charges & Financial Obligations · Permission or license

You give Chase payment details and authorize it to debit your account and update Payee information

You must give Chase all the information it needs to complete your ACH Payment, correctly, and say whether the Payee is a vendor or Employee by choosing a Personal (Employee) or Business (Vendor) bank account type. When you send Instructions you authorize Chase to complete them and to electronically debit the From Account listed. You may only send ACH Payments 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 notifies you when it does, and you agree to make the necessary changes on your 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’s 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

• ACH Payments go only to Payees in the United States with accounts at ACH member banks.
• Chase updates Payee information when the Payee's bank asks and notifies you.

Charges & Financial Obligations · Procedure

Employee and vendor Payees are treated differently; the services are not your permanent record

You designate each Payee as an employee, whose payments go to personal accounts and may appear as Basic payroll or Payroll Payments, or as a vendor, whose payments can go to businesses or individuals and may appear as ACH Payments or Vendor payments. The Glossary of this Addendum defines an Employee payment as an ACH Payment for direct deposit of an Employee's wages or other compensation, and a Vendor as a Payee you designate for electronic payments deposited into business or personal accounts. If Chase asks, you must give it an Employee's voided check or deposit slip. The services should not be your permanent record for accounting, tax or any other purpose, and entitlements to make payments to employee or vendor Payees can be managed independently for authorized users.

Supporting quotations

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.”

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.

“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.

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

Qualifications & exceptions

• Employee payments must be sent to personal accounts; vendor payments can go to businesses or individuals.
• Debit timing differs for Employee and Vendor payments, as shown in the table that follows.

Charges & Financial Obligations · Restriction or exception

Chase can limit ACH Payment amounts; the current Same-Day ACH limit is $100,000 per payment

Chase may limit the amount you can send in one ACH Payment or in one day, may set lower transaction limits for you, and may block or reject any transaction that exceeds the limits. You are notified of a blocked or rejected transaction by 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, lower limits may be set for you, and Chase may block any attempted Same-Day ACH transaction that exceeds the limit. Chase 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

• The $100,000 limit is for a single Same-Day ACH Payment.
• Lower limits may be set for you.
• Limit changes are in Chase's sole discretion, with notice.

Not stated here

• The limit for Standard ACH Payments and the daily limit are not stated in this Addendum.

Charges & Financial Obligations · Company practice

Cutoff Times: 2:00 PM ET for Same-Day and 8:00 PM ET for Standard ACH Payments, with risk approval

Chase must receive your approved payment instruction before the Cutoff Time for the payment to be sent on the Send On Date, which could be the same Business Day. The Cutoff Time is 2:00 PM ET for Same-Day ACH Payments 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 that Business Day, and those 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; a Same-Day ACH payment sent the next business day is 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.

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

• Same-Day ACH Payments: 2:00 PM ET; Standard ACH Payments: 8:00 PM ET.
• Payments not authorized by the Cutoff Time expire at 11:59 PM ET on the Send On Date.
• A delayed Same-Day payment sent the next business day is charged the Same-Day delivery fee.

Charges & Financial Obligations · Procedure

When Chase debits your Pay From Account depends on timing and payment type

If Chase receives your 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 table of debit timing shows that approved Instructions received before the Cutoff Time on a Business Day are debited on 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, and those received on a non-Business Day are debited the next Business Day. The table continues in the next section of the document.

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

Qualifications & exceptions

• Rows two and three exclude Repeating ACH Payments and Employee payments; row one has no exclusion.
• The rows apply to the From Account debit timing, not to when the Payee receives funds.

Not stated here

• The table's remaining rows, including those for Repeating ACH Payments and Employee payments, continue in the next section.

Charges & Financial Obligations · Procedure

Debit timing table, continued: Repeating and Employee ACH Payments are debited one or two Business Days early

The rest of the debit timing table says that 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, and those 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, and Repeating Employee ACH Payment Instructions received before the Deliver By date are likewise debited 1 Business Day before; if their Deliver By date is a non-Business Day they 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 | 1 Business Day before the ACH Deliver By Date

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

Qualifications & exceptions

• Timing is measured back from the ACH Deliver By Date, not forward from the Send On Date.
• A non-Business Day Deliver By date moves the debit to 2 Business Days before.

Not stated here

• One table cell wraps across two lines in the extracted text; the Employee row reads Deliver By followed by date on the next line.

Charges & Financial Obligations · Restriction or exception

You need enough funds on the Send On Date; Chase may debit your overdraft protection or overdraw

You must have enough funds available in your From Account on the Send On Date to complete your ACH Payment, and if you do not, Chase is not required to follow your Instructions. Funds in your overdraft account count as available funds, and if available funds in the From Account are insufficient and you have overdraft protection, funds in your linked protecting account are eligible and will be transferred to protect ACH Payments. You authorize Chase to debit your From Account even if it will overdraw your accounts or increase an overdraft, and to debit accounts enrolled in overdraft protection if the From Account lacks funds. Chase is not liable for failure to pay an ACH Payment if you do not have enough funds in your From Account.

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.

You authorize us to debit your From Account even if it will overdraw your account(s) or increase an overdraft.

We are not liable for failure to pay any ACH Payment if you do not have enough funds available in your From Account.

Qualifications & exceptions

• Funds in your overdraft account are counted as available funds.
• Chase is not liable for failing to pay where the From Account lacks funds.

Charges & Financial Obligations · Company practice

Insufficient funds: Current Day payments are rejected; Future Dated ones may be retried

If you do not have enough funds for a Current Day ACH Payment, Chase rejects the Instructions and does not retry. If you do not have enough funds on the morning of the Send On Date for a Future Dated ACH Payment, Chase may reject your Instructions, overdraw your accounts and complete the payment, or try to debit your account up to two more times on the next two Business Days. A status of Funds Needed then appears on the Payment Activity page of the Online Services. If the ACH Payment fails six times it is Cancelled and a status of Funding Failed appears. Chase notifies you by a message on the Digital Platforms or by email each time the payment fails, and if there is a problem with your From Account it may not complete the payment.

Supporting quotations

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

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

reject your Instructions;

overdraw your account(s) and complete the ACH Payment; or

try to debit your account up to two (2) more times on the next two (2) Business Days. A status of “Funds Needed” will appear on the Payment Activity page on the Online Services. If the ACH Payment fails 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

• Current Day payments are rejected without retry.
• Future Dated payments: reject, overdraw and complete, or retry on the next two Business Days.
• The payment is Cancelled after six failures.

Not stated here

• The Addendum does not say how the six failures are counted given retries on only the next two Business Days.

Charges & Financial Obligations · User right or choice

Cancel a Pending ACH Payment by the Cutoff Time; Funded Employee payments can also be cancelled

You may 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 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 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

• The cancellation deadline is the Cutoff Time on the Send On Date.
• Refunds of debited funds come by the following Business Day.

Charges & Financial Obligations · Permission or license

You authorize fee withdrawals from your Primary Account; Chase may change fees with notice

You must choose a Primary Account when you enroll in the ACH Payment Service and you authorize Chase to withdraw ACH Payment and Same-Day ACH fees from it. Additional fees may apply for Same-Day ACH Payments, and Chase may add, delete or change fees with notice to you. Fees generally appear one month in arrears on your statements, and fees may be different if you use a J.P. Morgan Private Bank account to make ACH Payments.

Supporting quotations

2. Fees

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

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

• Chase may change fees with notice to you.
• Fees may differ for J.P. Morgan Private Bank accounts.

Not stated here

• The Private Bank fee terms are not part of this document.

Charges & Financial Obligations · Company practice

ACH Payment fee table: $2.50 for the first 10 payments, $0.15 after, Same-Day 1% up to $25.00

The fee table lists the ACH Payment Fee (Standard delivery) as first 10 payments $2.50 each and $0.15 per transaction after the first 10, and the Same-Day ACH Payment fee as 1% of the transaction amount up to $25.00 per transaction. The fee per failed ACH Payment is shown in two out-of-order table lines that read Failed ACH Payment accounts and Chase with $2.50 per return (Chase Analysis Business Checking), and Fee per Failed ACH Payment with Chase Analysis Business Checking with Internet accounts are $3. The extracted text does not make clear how those lines combine, so this analysis does not state a single failed-payment fee for each account type.

Supporting quotations

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

Qualifications & exceptions

• Standard delivery: $2.50 each for the first 10 payments, then $0.15 per transaction.
• Same-Day ACH: 1% of the transaction amount, up to $25.00 per transaction.

Not stated here

• The failed ACH Payment fee lines are garbled in the source text, so the account types and amounts cannot be confidently paired.
• It is not stated whether the first 10 payments count per month.

Charges & Financial Obligations · Restriction or exception

Delivery on the chosen ACH Deliver By Date is not guaranteed and Chase is not responsible for Payee-bank timing

Chase cannot guarantee that your 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, and after the Cutoff time the Deliver By Date changes to the next Business Day. It may take longer for the Payee's bank 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 at the Payee’s bank.

Qualifications & exceptions

• Same-Day ACH: the Send On and Deliver By Dates are the same only for payments before the Cutoff time.

Charges & Financial Obligations · Company practice

Duplicate payments are made if funds are available; 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 by a message on the Digital Platforms or to your primary email address on file.

Details not recorded for this card

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.

Qualifications & exceptions

• Duplicates are made only if enough funds are available on the Send On Date.

Charges & Financial Obligations · Procedure

On-Us Entries are posted on Chase's books; other Entries go through the Regional ACH network

For Entries to accounts of Receivers held by Chase (On-Us Entries), Chase debits or credits the Receivers' accounts on its books. For Entries intended for accounts of Receivers at other RDFIs, Chase processes and transmits them to the Regional ACH network for transmission to the RDFIs.

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.

Qualifications & exceptions

• Different handling for On-Us Entries and Entries to other RDFIs.

Charges & Financial Obligations · Company practice

Chase may reject Instructions for any reason; returned credits are refunded, with Employee payments charged back

Chase may reject your Instructions for any reason. It notifies you when Chase or the RDFI rejects or returns them, by a message on the Digital Platforms or to your primary email address, 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

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

• The credit-on-settlement rule applies to ACH Payments other than Employee payments.
• Employee payments without final settlement are charged back or refunded by you.

Charges & Financial Obligations · Procedure

Reversals: request within five Business Days of the Deliver By Date; funds are held seven Business Days

You can request a reversal by calling 877-CHASEPC (877-242-7372) 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 RDFI will honor yours. 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 RDFI does not accept the request, Chase debits the amount from your From Account, and it also debits the From Account if it does not receive final settlement. Your reversal request does 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

• Deadline is five Business Days after the ACH Deliver By Date.
• Funds are credited and held for seven Business Days, then debited back if the RDFI does not accept the reversal.

Charges & Financial Obligations · Restriction or exception

You are responsible for mismatches between names and identifying numbers

Chase 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 it 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.

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.

Qualifications & exceptions

• Chase may rely on the identifying number alone.

Charges & Financial Obligations · Context

ACH Payment Services definitions: ACH Deliver By Date and ACH Payment

In this 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 transfer money to a Payee's account, including both Standard ACH Payments and Same-Day ACH Payments.

Details not recorded for this card

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.

Qualifications & exceptions

• Includes both Standard and Same-Day ACH Payments.

Charges & Financial Obligations · Context

ACH Payment types: Same-Day, Standard, Repeating, Employee and Vendor payments

A Same-Day ACH Payment is an ACH Payment with expected settlement by end of day on the day it is sent, and a Standard ACH Payment has expected settlement within 1-2 Business Days from the day it is sent. 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. An Employee is a Payee to whom you designate an Employee payment, which is an ACH Payment for direct deposit of an Employee's wages or other compensation. A Vendor is a Payee you designate for electronic payments deposited into business or personal accounts, and a Vendor ACH Payment is an ACH Payment for electronic payments to your vendors, suppliers or Employee's wages or other compensation.

Supporting quotations

“Same-Day ACH Payment” refers to an ACH Payment with expected settlement by end-of-day on the day the transaction is sent.

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

“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.

“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.

“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 timing for Same-Day and Standard payments is described as expected, not guaranteed.
• A Repeating ACH Payment must be to the same Payee for the same amount.

Not stated here

• The Vendor ACH Payment definition also refers to Employee's wages or other compensation, while Employee payments are defined separately for wages; the Addendum does not reconcile them.

Charges & Financial Obligations · Context

ACH Payment Services definitions: ACH Rules, In Process and Send On Date

In this Addendum, ACH Rules are the NACHA Rules and the rules of any regional ACH network. In Process means an ACH Payment is no longer Pending or Funded and cannot be changed or Cancelled. Send On Date is the Business Day you choose for your ACH Payment to start processing.

Details not recorded for this card

Supporting quotations

“ACH Rules” refers to the NACHA Rules and the rules of any regional ACH network.

“In Process” refers to that an ACH Payment is no longer “Pending” or “Funded” and it cannot be changed or Cancelled.

“Send On Date” refers to the Business Day you choose for your ACH Payment to start processing.

Qualifications & exceptions

• An In Process payment can no longer be changed or Cancelled.

Charges & Financial Obligations · Restriction or exception

No international ACH, and a Bill Payment marked Sent or Completed cannot be cancelled

When you use, or allow another to use, the Bill Payment Service to send Instructions for Bill Payments, you agree to the Addendum's terms. You agree not to use the service for international ACH transactions, which the Addendum prohibits. You also agree that once a Bill Payment has a status of Sent or Completed, you cannot cancel it.

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.

Qualifications & exceptions

• Applies when you or someone you allow uses the service.
• Cancellation is not possible once the status is Sent or Completed.

Charges & Financial Obligations · Restriction or exception

Bill Payment scheduling cutoffs for mortgage loans: 7:30 p.m. ET or 8:00 p.m. ET by funding account

Cutoff Times to schedule Bill Payments are stated in ET. For payments to J.P. Morgan Chase mortgage loans, the cutoff is 7:30 p.m. ET on any Business Day for payments from a J.P. Morgan Chase checking or prepaid account and 8:00 p.m. ET on any Business Day for payments from a non-J.P. Morgan Chase checking account. For payments to J.P. Morgan Chase commercial term lending mortgage loans, the cutoff is 8:00 p.m. ET on any Business Day from either a J.P. Morgan Chase checking or prepaid account or a non-J.P. Morgan 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

Qualifications & exceptions

• The cutoff depends on the destination loan type and on whether the funding account is a J.P. Morgan Chase checking or prepaid account.
• Business Days only.

Charges & Financial Obligations · Restriction or exception

Bill Payment scheduling cutoffs for home equity, personal loans, Loan or Credit Accounts and other payees

For Bill Payments to J.P. Morgan Chase home equity or personal loan or line of credit accounts, the scheduling cutoff is 11:59 p.m. ET on any day for payments from a J.P. Morgan Chase checking or prepaid account, except that Future Dated payments must be made by 11:59 p.m. ET on a Business Day, and 8:00 p.m. ET on any Business Day for payments from a non-J.P. Morgan Chase checking account. For Bill Payments to J.P. Morgan Chase Loan or Credit Accounts, it is 11:00 p.m. ET on any Business Day from a J.P. Morgan Chase checking or prepaid account and 8:00 p.m. ET on any Business Day from a non-J.P. Morgan Chase checking account. For Bill Payments to non-J.P. Morgan Chase accounts, excluding payments made using a J.P. Morgan Chase credit card, with a Send On Date on a Business Day, the cutoff is 8:00 PM on that Send On Date.

Supporting quotations

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

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

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

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

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

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

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

For Bill Payments with a Send On Date falling on a Business Day, 8:00 PM on that Send On Date

Qualifications & exceptions

• Future Dated payments to home equity or personal loan or line of credit accounts have a Business Day limit even though other payments allow any day.
• Payments made using a J.P. Morgan Chase credit card are excluded from the non-J.P. Morgan Chase accounts rule.

Charges & Financial Obligations · User right or choice

Cutoffs to cancel Bill Payments to home equity, personal loan or line of credit accounts

Cutoff Times to cancel Bill Payments are stated in ET. For Bill Payments to a J.P. Morgan Chase home equity or personal loan or line of credit account, same-day payments from a J.P. Morgan Chase deposit or prepaid account can be cancelled until 8:00 p.m. ET if the payment was scheduled before 8:00 p.m. ET, or until 11:00 p.m. ET if it was scheduled after 8:00 p.m. ET. Future Dated payments from a J.P. Morgan Chase deposit or prepaid account or a non-J.P. Morgan Chase checking account can be cancelled until 8:00 p.m. ET on the Payment date.

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

Qualifications & exceptions

• The same-day cancellation cutoff depends on whether the payment was scheduled before or after 8:00 p.m. ET.
• Future Dated payments can be cancelled until 8:00 p.m. ET on the Payment date.

Charges & Financial Obligations · User right or choice

Cutoffs to cancel Bill Payments to mortgage loans and Loan or Credit Accounts

For cancelling Bill Payments to J.P. Morgan Chase mortgage loans, the cutoff is 7:30 p.m. ET on any Business Day for payments from a J.P. Morgan Chase checking or prepaid account and 8:00 p.m. ET on any Business Day for payments from a non-J.P. Morgan Chase checking account. For commercial term lending mortgage loans it is 8:00 p.m. ET on any Business Day for either funding source. For J.P. Morgan Chase Loan or Credit Accounts, the cutoff from a J.P. Morgan Chase checking or prepaid account is 11:00 p.m. ET on any Business Day. The list continues in the next section of the document.

Supporting quotations

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

Qualifications & exceptions

• The cancellation cutoff depends on the destination loan type and the funding account.
• Business Days only.

Not stated here

• The cancellation cutoff for Loan or Credit Accounts paid from a non-J.P. Morgan Chase checking account is in the next section.

Charges & Financial Obligations · User right or choice

Cancel Bill Payments online; non-Chase payees have a 10:00 a.m. ET cutoff for automatic and future-dated ones

The cancellation cutoff for Bill Payments to J.P. Morgan Chase Loan or Credit Accounts from a non-J.P. Morgan Chase checking account is 8:00 p.m. ET on any Business Day. If you wish to cancel a Bill Payment you should cancel it online. For 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 cancelled before 10:00 a.m. ET on the day the payment is to be processed, and 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

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

If you wish to Cancel a Bill Payment, you should cancel your Bill Payment online.

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

Automatic and future-dated Bill Payments must be canceled before 10:00 a.m. ET on the day that Bill Payment is to be processed

For all other Bill Payments with a Send On Date falling on a Business Day, 8:00 p.m. ET on that Send On Date

Qualifications & exceptions

• Automatic and future-dated Bill Payments to non-J.P. Morgan Chase accounts have an earlier cutoff, 10:00 a.m. ET, than other payments, 8:00 p.m. ET.
• Payments made using a J.P. Morgan Chase credit card are excluded from the non-J.P. Morgan Chase accounts rule.

Charges & Financial Obligations · Company practice

No monthly Bill Payment fee unless your account agreement says so; overdraft fees and interest 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 in accordance with your Instructions that overdraws your From Account or exceeds your J.P. Morgan Chase credit card limit, it may assess a fee or charge interest under the terms of your deposit account agreement or other applicable agreement. Chase is not responsible for a Bill Payment request if there is not enough money in the designated From Account or if 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

• The no-monthly-fee statement is subject to your deposit account agreement or other applicable account agreement.

Not stated here

• The fees and interest in those other agreements are not part of this document.

Charges & Financial Obligations · Procedure

Recurring Bill Payments go out on the same day each month, and you must be able to print your authorization

Recurring Bill Payments for the same fixed amount each month are sent on the same calendar day each month, or the following Business Day if the regular Send On Date falls on a non-Business Day, and are deducted from your From Account or charged to your J.P. Morgan Chase credit card on the Send On Date. To authorize a Recurring Bill Payment you agree to have a means to print a copy of your authorization for your records. If you do not have a printer, you agree to keep authorizing a Repeating Bill Payment transaction by transaction until you can print a copy.

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.

Qualifications & exceptions

• Applies to Recurring Bill Payments for the same fixed amount each month.
• A non-Business Day Send On Date moves the payment to the following Business Day.

Charges & Financial Obligations · User right or choice

Stop a Recurring Bill Payment three Business Days ahead or Chase is liable as provided by law

If you order Chase to stop a Recurring Bill Payment three Business Days or more before the Send On Date and it does not, it is liable to you for those losses or damages as provided by law. If you cannot access the Online Services you may call customer service at 877-CHASEPC (877-242-7372) or write to Online Customer Service, P. O. Box 2558, Houston, TX 77252-9968. If you call, Chase may require you to present your request in writing within fourteen days after you call.

Supporting quotations

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 applies to stop orders given three Business Days or more before the Send On Date.
• If you call, a written request may be required within fourteen days.

Not stated here

• The Addendum does not describe what happens if a stop order is given less than three Business Days before the Send On Date.

Charges & Financial Obligations · Context

Automatic payments to Chase loan 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 associated billing date and the amount may vary each month. The terms and conditions for automatic payments to Chase Loan and Credit Accounts are presented to you when you set them up.

Details not recorded for this card

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, not all.

Not stated here

• The terms for automatic payments are shown at setup and are not in this document.

Charges & Financial Obligations · Permission or license

You authorize Chase to debit your From Account; insufficient funds can mean rejection, retries or overdrafts

You authorize Chase to remove funds from your designated From Account for all Bill Payments you initiate and agree to have sufficient available funds on the Send On Date or Payment date. Funds in a linked overdraft protection account count toward available funds. If funds are insufficient for a Current Day Bill Payment, Chase does not retry and the payment is immediately rejected. For Future Dated Bill Payments Chase may reject the request, or accept it and process it even if that exceeds your credit limit or overdraws your account, or automatically try to debit your account up to two more times on each of the three succeeding Business Days, showing Funds Needed online, and cancel the request after the final attempt with a Funding Failed status. Chase sends a message for each failed attempt. You agree Chase may follow your Instructions even if the debit exceeds your credit limit or causes or increases an overdraft, and if your From Account is overdrawn Chase may charge any of your other accounts for the overdraft.

Supporting quotations

a. General Terms Applicable to Bill Payments

You authorize us to remove funds from your designated From Account for all Bill Payments that you initiate and you agree to have sufficient available funds on the Send On Date or Payment date for each such Bill Payment you schedule. Please note that if you have overdraft protection for your From Account, available funds in the account that you use for overdraft protection are included in the determination of available funds for the Bill Payment Service.

If sufficient funds are not in your From Account to cover a Current Day Bill Payment, we will not retry the payment and it will be immediately rejected.

In the case of Future Dated Bill Payments, if sufficient funds are not in your From Account on the Send On Date or Payment date we may reject the request, or accept the request and process the payment for delivery (even if such payment processing causes you to exceed your credit limit or overdraw your account). In the alternative, if sufficient available credit or funds are not in your From Account on the Send On Date or Payment date, we will automatically try to debit your account up to two (2) more times on each of the three (3) succeeding Business Days. For these attempts, a status of “Funds Needed” will appear online. After the final attempt, the payment request will be Cancelled. A status of “Funding Failed” will appear.

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

• Current Day payments are rejected immediately without retry.
• Future Dated payments may be rejected, processed even if they overdraw, or retried up to two more times on each of three succeeding Business Days.
• Chase may charge any of your other accounts for an overdraft.

Charges & Financial Obligations · Permission or license

Certain healthcare payments can be charged to your J.P. Morgan Chase credit card

For Bill Payments to certain eligible healthcare providers only, you authorize Chase to charge your J.P. Morgan Chase credit card for eligible Bill Payments you initiate with it and agree to have a sufficient available credit balance on the Send On Date or Bill Payment date. If the credit card payment is rejected for any reason Chase does not retry and notifies you of the failed attempt. You agree Chase may follow your Instructions to pay a named Payee even if the charge exceeds 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

• Applies to Bill Payments to certain eligible healthcare providers only.
• Chase does not retry a rejected credit card payment.

Not stated here

• Which healthcare providers are eligible is not stated here.

Charges & Financial Obligations · Restriction or exception

Chase is not responsible for Payee late charges, except late fees it causes under the Bill Pay Guarantee

Chase is not responsible for any over-the-credit-limit fee, charges or other action by a Payee resulting from a late Bill Payment, including finance charges and late fees. However, if Chase causes processing delays that make your Bill Payment late, it is responsible for late fees only, in accordance with its Bill Pay Guarantee. The Guarantee, in its own section, says that if Chase causes processing delays of online or mobile Bill Payments, or payments to a Chase Loan or Credit Account made from a J.P. Morgan Chase checking account or credit card, that result in late fees, it covers 100% of those fees, and it does not cover losses you cause or delays outside Chase's control.

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.

Qualifications & exceptions

• Chase's responsibility is limited to late fees, not other Payee charges or actions.
• The Guarantee applies to delays Chase causes and does not cover losses you cause or delays outside Chase's control.

Not stated here

• The Guarantee's full list of exclusions is in its own section and is analyzed there.

Charges & Financial Obligations · Restriction or exception

Bill Payments cover one-time and Recurring payments to companies, merchants or individuals, from eligible accounts

Bill Payments can be used to make one-time or Recurring Bill Payments to companies, merchants or individuals you designate as a Payee to pay bills such as rent, utilities or car payments, including payments to Chase Loan or Credit Accounts. You must have an eligible checking account, asset management account or Investment Account with Chase to make them. Eligible accounts 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. Chase reserves the right to determine eligibility and to restrict categories of recipients in its sole discretion.

Supporting quotations

b. Bill Payments.

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).

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.

Qualifications & exceptions

• Home equity lines and other lines of credit cannot fund Bill Payments, except J.P. Morgan Chase credit cards.
• Eligibility and recipient categories are in Chase's sole discretion.

Charges & Financial Obligations · Restriction or exception

Payees must be in the U.S.; tax, court-ordered, fines and gambling payments are barred; $100,000 default daily total

To make Bill Payments you must hold an eligible account and designate one as your From Account. You may select Payees located within the United States, subject to Chase's and the Payee's approval, and you agree not to use the service to pay tax payments, 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 attributable to any Business Day. Chase may modify this limit in its sole discretion at your request, and a modified limit may not be reflected in the terms. You must give enough online information to identify your Payees and complete required fields accurately.

Supporting quotations

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.

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.

Qualifications & exceptions

• Payees must be located within the United States and approved by Chase and the Payee.
• The default limit is $100,000.00 in the aggregate attributable to any Business Day.
• A modified limit may not be reflected in these terms.

Charges & Financial Obligations · Permission or license

You authorize Chase to follow Payee Instructions, update Payee details, charge your accounts and issue Drafts

By giving Chase your Payees' names and account information you authorize it to follow the Instructions it receives through the service, and to update or change your Payee information, including account information, Payee name and mailing address, as requested or provided by your Payee, the U.S. Post Office or through other tools and resources Chase uses. When Chase receives an Instruction for a Current Day or Future Dated Bill Payment it sends funds to the Payee on your behalf from your From Account or charged to your J.P. Morgan Chase credit card, and you authorize it to charge your designated account or card for all Bill Payments you authorize. Chase and any agent it uses may prepare Drafts drawn on your From Account, charge your credit card or electronically debit your From Account, and Chase may accept and charge any such Draft on presentment even though it does not bear your signature. Drafts may come from Chase or from any U.S. financial institution used by Chase or its agents.

Supporting quotations

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.

Qualifications & exceptions

• Chase may update Payee details from the Payee, the U.S. Post Office or other tools and resources.
• Drafts issued as part of the service can be charged without your signature.

Charges & Financial Obligations · Company practice

Bill Payments are sent without a payment stub, which can slow posting, so schedule early

Because your Instructions are transmitted on your computer or mobile device, the Bill Payment is not sent to your Payee with the Payee's payment stub. Payments received without the stub are sometimes processed at a different location, and some Payees may take longer to post the payment, although federal regulations may limit certain creditors, such as credit card issuers, to a period of up to five days. Chase recommends that you contact your Payees to make sure you have the right address and that you schedule payments in enough time for them to be sent and posted.

Details not recorded for this card

Supporting quotations

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.

Qualifications & exceptions

• Federal regulations may limit certain creditors, such as credit card issuers, to up to five days to post.

Charges & Financial Obligations · Company practice

Chase pays by electronic transfer or paper check depending on the Payee, shown on screen

Chase remits two types of Bill Payments on your behalf, electronic funds transfer and paper check, depending on the Payee's determined method of receiving payments. The Delivery Method and the lead time expected for each type of payment are shown on screen when you schedule the payment. This does not cover J.P. Morgan Chase credit card Bill Payments.

Supporting quotations

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

• Excludes J.P. Morgan Chase credit card Bill Payments.

Charges & Financial Obligations · Company practice

A Payee's Delivery Method can change; some resulting late payments are excluded from the Guarantee

A Payee's Delivery Method is subject to change. If a Payee no longer accepts electronic payments, payments are delivered by paper check and the Send On Date changes to five Business Days before the Deliver By Date for later payments and, if the Payee gives enough notice, for the current one. If a Payee begins accepting electronic payments, payments are processed electronically with a changed Send On Date. If an electronic payment is undeliverable or the Payee has a temporary problem, the payment may be resubmitted by check. Chase emails you if a scheduled payment's Delivery Method changes to a slower one, and otherwise does not notify you of changes. Once an electronic payment shows as Processed on screen, Chase no longer controls or receives status updates and you need to contact the Payee. In some situations a payment may be late and Chase will not be responsible for the resulting late charges, and late payments arising 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.

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.

Late payments arising from changes in your Payee’s Delivery Method are explicitly excluded from coverage of our Guarantee

Qualifications & exceptions

• Chase emails you only when the Delivery Method changes to a slower one.
• Late payments arising from changes in the Payee's Delivery Method are excluded from the Guarantee.

Charges & Financial Obligations · Restriction or exception

Choose a Deliver By Date well before the due date, because some payments take days longer

Chase anticipates most Bill Payments will be delivered by the Deliver By Date, but due to circumstances beyond its control, particularly slow handling and posting by companies or financial institutions, some transactions may take a few days longer to be credited by your Payee. For this reason you need to select a Deliver By Date sufficiently in advance of the actual due date, not the late date, of your payment obligation so the payment arrives on or before the due date and not after it or during the grace period.

Supporting quotations

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.

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 Deliver By Date should be before the actual due date, not the late date.

Charges & Financial Obligations · Restriction or exception

Variable automatic Bill Payments for e-Bill Payees may be unpaid if the 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 the bill due date as you set up, and the amount may vary each month. If your Payee is late providing the e-Bill or Chase receives it too close to, on or after the due date, Chase 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 terms for Repeating Bill Payments in Section 5(b), and additional terms may be presented when you set up the payment.

Supporting quotations

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.

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)

Qualifications & exceptions

• Applies to variable automatic Bill Payments for select Payees participating in e-Bills.
• Chase may be unable to pay a bill received too close to or after its due date.

Not stated here

• Additional terms shown at setup are not part of this document.

Charges & Financial Obligations · User right or choice

Cancel a Pending or Funded Bill Payment by the Cutoff Time on the Send On Date; credit card payments until sent

You may cancel any Pending or Funded Bill Payment no later than the Cutoff Time on the Send On Date, and funds return 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.

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

• Cancellation deadline is the Cutoff Time on the Send On Date.
• J.P. Morgan Chase credit card Bill Payments can be cancelled until sent.

Charges & Financial Obligations · Restriction or exception

Payments to Chase Loans or Credit Accounts: Business Day payment dates and next-Business-Day processing after the cutoff

For Bill Payments to Chase Loans or Credit Accounts, only Business Days may be chosen as Payment dates and Chase must receive Instructions by the stated Cutoff Time to give credit that same Business Day. Instructions received on a non-Business Day or after the Cutoff Time on a Business Day are processed the next Business Day. Payments to a Chase Loan or Credit Account from an account Chase holds may be made up to the available balance in your From Account, plus any available balance in an associated overdraft protection account, per day. Bill Payments to J.P. Morgan Chase credit card accounts have separate payment date options and terms displayed when you give Instructions.

Supporting quotations

c. 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.

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

• Only Business Days may be chosen as Payment dates.
• The daily payment amount is limited to the available balance in the From Account plus any overdraft protection account balance.
• Credit card account payments have separate date options and terms shown at setup.

Not stated here

• The separate credit card payment terms are shown at setup and are not part of this document.

Charges & Financial Obligations · Restriction or exception

Home equity and personal loan payments from deposit accounts can be credited the same day, any day

For 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 stated Cutoff Time on any day are credited with the date the payment is submitted. Only Business Days may be chosen as Payment dates for Future Dated payments or payments from a non-J.P. Morgan Chase checking account, and Instructions must be received by the Cutoff Time to receive credit on that Business Day. Instructions received on a non-Business Day or after the Cutoff Time on a Business Day are processed the next Business Day.

Supporting quotations

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.

Qualifications & exceptions

• Same-day crediting on any day applies to payments from a J.P. Morgan Chase deposit or prepaid account made before the Cutoff Time.
• Future Dated payments and payments from a non-J.P. Morgan Chase checking account use Business Days only.

Charges & Financial Obligations · Restriction or exception

You may pay certain healthcare providers with a Chase credit card; sent card payments cannot be cancelled

If you keep an eligible account and designate a Pay From account, you may have the option to use one of your J.P. Morgan Chase credit cards to pay certain healthcare providers listed in the Bill Pay directory, and the card appears as a payment option if the provider is eligible. You may schedule a one-time, future-dated or recurring credit card Bill Payment and may 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 in a conflict supersede, the other Bill Payment Service terms. For Business Accounts, healthcare credit card payments are not submitted for approval even if dual control is turned on for the Bill Payment Service.

Supporting quotations

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

• Available only for certain healthcare providers listed in the Bill Pay directory that are eligible to receive credit card payments.
• These terms supersede the other Bill Payment Service terms in a conflict.
• Business Accounts: dual control approval does not apply to these payments.

Charges & Financial Obligations · Company practice

Duplicate Bill Payments may show a warning you can bypass, but no warning appears across different methods

If you submit a duplicate Bill Payment request, an error message may be displayed but you may choose to bypass it 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 appears for duplicate Bill Payments made through different methods, such as the Bill Payment Service, and the payments are processed as normal.

Details not recorded for this card

Supporting quotations

e. Duplicate Payments

If you submit a duplicate Bill Payment request, an error message may be displayed on our website but you may choose to bypass the message and schedule the payment. If you submit a duplicate Bill Payment to a Chase Loan or Credit Account, an error message may be displayed and such duplicate payments may not be permitted. No error message will be displayed for duplicate Bill Payments made through different methods (e.g., the Bill Payment Service) and the payments will be processed as normal.

Qualifications & exceptions

• Duplicates to a Chase Loan or Credit Account may not be permitted.
• No warning appears for duplicates made through different methods.

Charges & Financial Obligations · Company practice

Paper checks go stale after about 90 days; Chase credits your account and refuses payment afterward

Paper checks issued to your Payees are not negotiable after the designated period noted on the check, usually ninety days. Occasionally a Payee does not cash a check in time. When this happens Chase notifies you and credits your From Account, and it has no liability to you, your Payee or any other party for refusing payment on a check outstanding after the negotiable period ends.

Supporting quotations

f. Stale Dated Payments

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

Qualifications & exceptions

• The negotiable period is usually ninety days but is the period noted on the check.

Charges & Financial Obligations · Restriction or exception

Chase can refuse any Payee; tax, court-related and non-U.S. payments are prohibited

Chase reserves the right to refuse to pay any Payee you designate and will promptly notify you if it does. It need not 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 the Addendum prohibits.

Supporting quotations

g. Merchant or Payee Limitation

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

Qualifications & exceptions

• No notice is required for prohibited payments such as tax, court-related and non-U.S. payments or Prohibited Activities.

Not stated here

• Prohibited Activities are defined in the deposit account agreement, which is not part of this document.

Charges & Financial Obligations · Restriction or exception

If an e-Bill does not arrive, contact the Payee; Chase takes no responsibility for late e-Bill data

Chase takes no responsibility if a Payee does not provide the data needed 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, Chase is not responsible for any late charges or other adverse consequences, and questions about bill details should go to the Payee.

Supporting quotations

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.

Charges & Financial Obligations · Restriction or exception

e-Bills carry no Chase fee under your account agreement; e-Bills may differ from paper bills

Unless your account agreement says otherwise, Chase does not charge any fees for using e-Bills. An e-Bill may or may not have all the same information as the paper version, depending on the Payee. Chase presents e-Bills as the Payee provides them and is not responsible for any information or communications related to them or for the acts or omissions of any Payee.

Details not recorded for this card

Supporting quotations

Unless otherwise noted in your account agreement, we do not charge any fees for using e-Bills.

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.

Qualifications & exceptions

• The no-fee statement is subject to your account agreement.

Charges & Financial Obligations · Company commitment

Online and Mobile Banking Guarantee: 100% reimbursement of unauthorized withdrawals reported within two Business Days

For eligible consumer deposit and prepaid accounts only, if money is removed from your eligible consumer deposit accounts with Chase without your authorization through Payments and Transfers, 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 are responsible for using care when exiting the system and for safely maintaining your user IDs and Passwords. The guarantee points to Section 8, Additional Terms Applicable Only to Bill Payments for Consumer Accounts, for more on your rights and obligations about liability for activity on your account.

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

• Applies only to online and mobile Payments and Transfers from eligible consumer deposit and prepaid accounts.
• You must tell Chase within two Business Days of discovering the unauthorized transaction.
• Covers only things within Chase's control.

Not stated here

• What counts as within Chase's control is not defined here.

Charges & Financial Obligations · Company commitment

Bill Pay Guarantee: Chase covers 100% of late fees it causes on online and mobile Bill Payments

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 J.P. Morgan Chase checking account or credit card, that result in late fees, it covers 100% of those fees. The guarantee covers everything within Chase's control and does not cover losses you cause or payment processing delays not caused by Chase or outside its control.

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:

Qualifications & exceptions

• Covers late fees resulting from processing delays Chase causes.
• Applies to online and mobile Bill Payments, and payments to a Chase Loan or Credit Account from a J.P. Morgan Chase checking account or credit card.

Charges & Financial Obligations · Restriction or exception

Bill Pay Guarantee exclusions: late requests, input errors, unreported fraud, rule breaches and Payee-caused delays

The guarantee does not cover: your failure to submit the payment request by the Cutoff Time sufficiently in advance of the Payee's due date, before the grace period begins; your input errors or errors by Payees; your failure to notify Chase of a suspected unauthorized transaction from your From Account, or theft of your user ID or Password, within the time periods in the Addendum and your account agreement; your failure to follow the procedures or otherwise use the service according to the Addendum; and a Payee's change to the Delivery Method that increases processing time or a Payee's mishandling or delay in processing or posting a payment.

Supporting quotations

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.

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.

Qualifications & exceptions

• The list is introduced as examples (such as), so it is not a complete list of what the guarantee excludes.

Not stated here

• The time periods for reporting unauthorized transactions are in the Addendum and your account agreement; the account agreement is not part of this document.

Charges & Financial Obligations · Restriction or exception

The Guarantee requires you not to arrange late fees; you bear late charges if you break the rules

As a precondition to the Bill Pay Guarantee, you agree not to enter into agreements where one of the purposes is to generate late payment fees. The risk of incurring, and the responsibility for paying, any late charges or penalties is yours if you do not follow the procedures or otherwise fail to use the Bill Payment Service according to the agreement.

Supporting quotations

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

• Precondition to the guarantee.

Charges & Financial Obligations · Context

Bill Payment definitions: Draft, Payment date and Repeating

In the Bill Payment Service 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 refers to automatic recurring Bill Payments to the same Payee for the same amount, or a varying amount for variable automatic Bill Payments, which you can authorize for transmission.

Details not recorded for this card

Supporting quotations

“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

Definition of Sent for Bill Payments: debited but not yet posted

In the Bill Payment Service Addendum, Sent refers to the status of a Bill Payment where the funds have been debited from the applicable account but the Bill Payment has not yet been posted to the account.

Details not recorded for this card

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.

Qualifications & exceptions

• Sent means debited but not yet posted.

Charges & Financial Obligations · Permission or license

Bill Pay Directory Service lets business customers receive payments and remittance data from their customers

The Bill Pay Directory Service Addendum, marked 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). 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 to a demand deposit account you maintain at J.P. Morgan Chase (the Designated Account) on the later of the payment date or effective entry date in the Remittance Information or the date Chase receives the payment instruction.

Supporting quotations

(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

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.

Qualifications & exceptions

• For business customers only.
• Credit is on the later of the specified payment or effective entry date and the date the instruction is received.

Charges & Financial Obligations · Restriction or exception

Chase tries to send a Daily Report of remittance data but is not liable for inaccuracies or missed reports

On each banking day on which you receive at least one Electronic Payment, Chase will use commercially reasonable efforts to deliver a Daily Report containing Remittance Information by secure email or another method it determines. Chase has no liability or responsibility for any inaccurate, incomplete or non-current information in the Remittance Information, and in no event is it deemed to breach the Addendum or liable for any damages arising from failing to deliver Daily Reports for any reason.

Supporting quotations

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.

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

• Delivery is on commercially reasonable efforts, by secure email or another method Chase determines.
• Chase is not liable for failing to deliver Daily Reports for any reason.

Charges & Financial Obligations · Company commitment

Your duties: correct email, review remittance data, post within two days, no late fees, report errors in 24 hours

You agree to give Chase all information needed to process Electronic Payments; make sure your email address for Remittance Information is correct and assume all liability from providing an incorrect address; review all Remittance Information and ensure it is correct; make sure all Electronic Payments are posted to reflect 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 in connection with a third party claim 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.

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

• Reporting incorrect or questionable information is due not later than 24 hours after receipt of the Remittance Information.
• Posting must reflect receipt within two days of receipt of the Remittance Information.

Charges & Financial Obligations · Company practice

No added fee for the Directory Service, but you pay your own connection and administrative costs

Chase does not charge you any additional fees for using the Bill Pay Directory Service. You are responsible for paying all administrative costs, including utility charges and Internet access service fees, incurred to connect to or receive the service and to receive the Daily Reports and Remittance Information.

Details not recorded for this card

Supporting quotations

3. Fees

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

Charges & Financial Obligations · Restriction or exception

After scanning, you keep and later destroy the original check and the image becomes its legal representation

After an Item has been scanned and submitted for deposit you may not otherwise 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, as defined by federal law, becomes the legal representation of the Item for all purposes, including return items processing, except for funds availability, which is addressed in Section 1(g).

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 excepted from the image being the legal representation and is addressed in Section 1(g).

Not stated here

• The Addendum does not say how long to keep the original Item before destruction.

Charges & Financial Obligations · Restriction or exception

Deposit day cutoffs: 11:00 p.m. ET for bank checks and 8:00 p.m. ET for investment checks

For bank check deposits, if Chase receives a scanned Item at or before 11:00 p.m. ET on a Business Day it is open, that day is the day of deposit; if received after 11:00 p.m. ET or on a weekend or a state or federal bank holiday, the deposit is considered made on the next business day. For investment check deposits, receipt at or before 8:00 p.m. ET on a Business Day Chase is open makes that day the day of deposit, and if the client submits after 8:00 p.m. ET, submits before but Chase reviews after 8:00 p.m. ET, or submits on a non-Business Day, the deposit is considered made on the next business day.

Supporting quotations

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.

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

• The cutoff is 11:00 p.m. ET for bank checks and 8:00 p.m. ET for investment checks.
• For investment checks, a review after 8:00 p.m. ET also moves the deposit to the next business day.

Charges & Financial Obligations · Restriction or exception

Funds availability: not under Regulation CC; investment deposits have limits and a 7-day hold

You agree that Items submitted through the Service are not subject to the funds availability requirements of Federal Reserve Board Regulation CC. Except for deposits to investment accounts, funds generally are 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. Investment checks will usually be available for trading between 1 and 3 business days after review, subject to a $25,000 limit for J.P. Morgan Self-Directed Investing accounts 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

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).

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

• Next Business Day availability is a general rule and Chase may add delays in its sole discretion.
• The trading availability limits are $25,000 for the Chase mobile app and $50,000 for the J.P. Morgan mobile app, for J.P. Morgan Self-Directed Investing accounts.
• Investment account deposits have a 7 business day withdrawal hold after review.

Charges & Financial Obligations · Restriction or exception

QuickDeposit limits: $2,000 daily and $5,000 per 30 days for bank accounts, higher for Private Client and Private Bank

For bank accounts, the maximum you may deposit through the Service is $2,000 per day or $5,000 in any rolling thirty day period, unless you are a Chase Private Client, where the maximum is $25,000 per day or $100,000 in any rolling thirty day period, or a client with a J.P. Morgan Private Bank account, where it is $100,000 per day or $500,000 in any rolling thirty day period. For J.P. Morgan investment accounts, the maximum deposit is $100,000 in any rolling thirty day period for taxable accounts. For IRAs, the maximum for a Contribution as defined by the IRS is $6,000 or $7,000 per year in accordance with IRS guidance, and $500,000 for Rollovers and Direct Transfers as defined by the IRS in any rolling thirty day period.

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.

Qualifications & exceptions

• Standard bank account limits are $2,000 per day and $5,000 per rolling thirty days; Chase Private Client and J.P. Morgan Private Bank clients have higher limits.
• Investment account limits differ for taxable accounts and for IRA Contributions, Rollovers and Direct Transfers.

Not stated here

• The IRA Contribution figure is given as $6,000 or $7,000 per year in accordance with IRS guidance without saying which applies to whom.

Charges & Financial Obligations · Restriction or exception

Chase can allow higher amounts, lower your limits temporarily for security and change limits; you pick the IRA details

Chase may allow transactions that exceed your limits and, if it does, may increase or decrease that amount, but not below the disclosed limits, without notice. It may temporarily reduce your limits below the disclosed limits without notice for security reasons. When you open the Service on your mobile device and select an account, the application displays your current available limit and the maximum amounts permitted daily and on a rolling thirty day basis. Chase reserves the right to modify the limits and impose limits on the number of deposits you transmit, 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 errors may have tax consequences and may not be able to be remediated.

Supporting quotations

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

• Chase may reduce limits below the disclosed limits temporarily for security reasons without notice.
• Notice of limit changes is given only to the extent required by law.

Charges & Financial Obligations · Company practice

Chase can refuse or return a deposit without liability; the service is free and deposits appear on statements

Chase may, at its discretion, return or refuse all or part of a deposit made through the Service at any time and will not be 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 through the Service are reflected 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

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.

We do not charge you for using the Service.

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.

Qualifications & exceptions

• Chase is not liable for refusing a deposit even if checks or debits are dishonored as a result.

Charges & Financial Obligations · Restriction or exception

Check images must be legible; Chase can forward, repair, treat as photocopies or return and charge back

The image of an Item transmitted through the Service must be legible. If electronic files or images do not meet Chase's or its processor's content or format requirements, Chase may, in its sole discretion, further transmit the Item and data as received, repair or try to repair the Item or data and then 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.

Supporting quotations

2. Item Quality and Processing

The image of an Item transmitted to us using the Service must be legible.

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

• Chase chooses among the four options in its sole discretion.

Charges & Financial Obligations · Restriction or exception

Keep and destroy the original check yourself; the image becomes its legal representation

After an Item has been scanned and submitted for deposit you may not otherwise transfer or negotiate the original Item, a substitute check or any other image of it, and you are solely responsible for the original Items, including storage, retrieval and destruction. The electronic image of the Item or any substitute check as defined by federal law becomes the legal representation of the Item for all purposes, including return items processing, except for funds availability, which is addressed in Section 1(f).

Supporting quotations

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.

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.

Qualifications & exceptions

• Funds availability is excepted and addressed in Section 1(f).

Not stated here

• The Addendum does not say how long to keep the original Items.

Charges & Financial Obligations · Restriction or exception

Deposit day is set by an 11:00 p.m. ET cutoff; funds generally available next business day, outside Regulation CC

If Chase receives a scanned Item at or before 11:00 p.m. ET on a Business Day it is open, that day is the day of deposit, and if it is received after 11:00 p.m. ET or on a weekend or a state or federal holiday the deposit is considered made on the next Business Day. Federal Reserve Board Regulation CC (availability of funds) does not apply when you transmit electronic images of Items. Funds generally will be available for withdrawal by the next business day after the day of deposit, though Chase may apply additional delays based on any other factors in its sole discretion.

Supporting quotations

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.

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

• Next business day availability is a general rule and Chase may add delays in its sole discretion.
• The 11:00 p.m. ET cutoff applies on Business Days Chase is open.

Charges & Financial Obligations · Restriction or exception

Chase can refuse or return deposits without liability; you pay the fees in Exhibit A

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

Supporting quotations

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.

You agree to pay the fees described in Exhibit A attached hereto.

Qualifications & exceptions

• Chase is not liable for refusing a deposit even if checks or debits are dishonored as a result.

Charges & Financial Obligations · Restriction or exception

Deposit limits: scanner deposits up to $999,999,999.99 daily and per 30 days; mobile limits shown in the app

You may deposit using a single feed or multi-feed check feeder scanner ordered from J.P. Morgan Chase, an eligible mobile device or an eligible tablet, but a Private Banking client may deposit only with the scanner. For each Business Account the maximum you may deposit on any day, and in aggregate over any thirty day period, using a mobile device or tablet is subject to limits displayed in the Service before each deposit. Using a scanner, the maximum is $999,999,999.99 on any day and $999,999,999.99 in aggregate over any thirty day period for each account. A Private Banking client has the same $999,999,999.99 daily and thirty day maximum per account by scanner in lieu of the other limits.

Supporting quotations

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).

The maximum amount you may deposit on any day, and the maximum aggregate amount that you may deposit during any thirty (30) day period to each Business Account via an eligible mobile device or eligible tablet device are subject to limits and will be displayed within the Service prior to each deposit.

The maximum amount you may deposit to each Business Account via a single feed check or multi-feed check feeder scanner (ordered from J.P. Morgan Chase) on any day is $999,999,999.99

(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

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

Not stated here

• The mobile and tablet deposit limits are not stated in this Addendum.

Charges & Financial Obligations · Restriction or exception

Poor-quality Classic deposit images can be forwarded, repaired, treated as photocopies or returned and charged back

If the electronic files or images transmitted for an Item do not meet Chase's or its processor's content or format requirements, Chase may, in its sole discretion, further transmit the Item and data as received, repair or try to repair the Item or data and then 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.

Supporting quotations

3. Item Processing

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

further transmit the Item and data in the form received from you;

repair or attempt to repair the Item or data and then further transmit it;

process the Item as photocopies in lieu of originals; or

return the data and Item to you unprocessed and charge back your account.

Qualifications & exceptions

• Chase chooses among the four options in its sole discretion.

Charges & Financial Obligations · Restriction or exception

Cancelling within two years costs an Early Cancellation Fee; no refund of Service fees

If you cancel or terminate the Service before two years from your first use of it, you pay an Early Cancellation Fee as stated in Exhibit A. You can cancel the Service by calling 800-242-7338, Chase may also require your request in writing, you lose access to all Service features and you do not receive a refund of any Service fee.

Supporting quotations

6. Cancellation or Termination of Service

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

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

Qualifications & exceptions

• The Early Cancellation Fee applies if you cancel or terminate before the expiration of two years from your first use.
• Chase may require a written request.

Charges & Financial Obligations · Company practice

Exhibit A fees: $25 or $50 monthly by scanner type, $250 early cancellation, extra scanners $300 or $600

Exhibit A lists a monthly fee of $25.00 for a single feed check feeder scanner and $50.00 for a multi-feed check feeder scanner. The first scanner has no charge with a 24-month scanner agreement, an additional scanner costs $300 per single feed check scanner or $600 per multi feed check scanner plus applicable sales tax, transaction fees are listed as see your deposit account agreement, and the Early Cancellation Fee is $250.00. A footnote says the monthly fee may differ based on promotional pricing, and any differences will be disclosed and agreed to 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.
• The monthly fee may differ based on promotional pricing, disclosed and agreed before activation.

Not stated here

• Transaction fees are in the deposit account agreement, which is not part of this document.

Charges & Financial Obligations · Restriction or exception

Enter the recipient's email carefully: the purchase goes to that address even if it is the wrong person

To buy a Gift Card you must enter the amount, the Send On Date and the recipient's email address or other information Chase requires. The address must belong to the intended recipient residing in the United States, and you should send Gift Cards only to people you know. Your obligation to pay is not excused by an error in the information you enter. Both Chase and a merchant may limit the amount of a Gift Card. You agree the purchase is completed using only the email address you provided, even if it identifies a person different from your intended recipient. The name you enter helps you identify the recipient and purchase in your transaction history but is not used to process the purchase or to validate that the recipient owns or may access the address.

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.

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.

Qualifications & exceptions

• An error in the recipient information does not excuse your obligation to pay.
• The name you enter is not used to validate the email address.

Charges & Financial Obligations · Restriction or exception

Insufficient funds mean the gift card purchase fails with no retry

Chase 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. In that case the Gift Card transaction fails and Chase does not make repeat attempts to debit the account.

Supporting quotations

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

• For Current Day purchases funds are checked when the transaction is initiated.

Charges & Financial Obligations · Restriction or exception

Gift card limits: $100 per transaction, $1,000 per day and $5,000 per calendar month

Gift Cards can be purchased in amounts 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 processing systems. At its discretion Chase may refuse to process 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

• Daily and monthly limits are aggregated across all your accounts registered with the Gifting Service.
• Limits may be temporarily reduced for security.

Charges & Financial Obligations · Company practice

No monthly Gifting fee, but overdraft fees or interest may apply and fees can change

Chase does not charge a monthly service fee for using the Gifting Service. If it processes a payment in accordance with your Instructions that overdraws your From Account or exceeds your J.P. Morgan Chase credit card limit, it may assess a fee or charge interest under 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.

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

• Fee changes come with notice as required by law.

Not stated here

• The fees and interest in other agreements are not part of this document.

Charges & Financial Obligations · Restriction or exception

Gift cards cannot be edited, returned or refunded; future-dated ones can be cancelled before the Send On Date

You may not edit or cancel a pending or processed Gift Card, but you may cancel any Future Dated Gift Card up until the Send On Date. Gift Cards cannot be returned, refunded, replaced or redeemed for cash. Gift Cards 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

• Future Dated Gift Cards can be cancelled until the Send On Date.
• Sending and redemption are limited to the United States.

Charges & Financial Obligations · Context

Wire and Chase Global Transfer Addendum covers domestic and international wires sent online or by mobile

The Online Wire Transfer and Chase Global Transfer Services Addendum, last updated 12/11/2025, governs your use of the Funds Transfer Services, including what you can expect from Chase and the security procedures it takes. It covers funds transfers completed using the Online Services or Mobile Services: a Domestic Funds Transfer to a bank within the United States and its territories; an International Funds Transfer in U.S. or foreign currencies, including through Chase Global Transfer, to a bank outside the United States; and a Consumer International Funds Transfer, 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 the services you agree to the terms and authorize Chase to provide you Domestic or International Funds Transfers through the Online or Mobile Services, and all other payments or transfers available there are subject to separate terms.

Supporting quotations

Addendum:

Last updated: 12/11/2025

This Addendum governs your use of the Online Wire Transfer and Chase Global Transfer Services

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.

Qualifications & exceptions

• Covers transfers completed using the Online Services or Mobile Services.
• Other payments and transfers available through those services have separate terms.

Charges & Financial Obligations · Restriction or exception

Wires start the same Business Day only before cutoff, after reviews, with available funds and within your daily limit

Chase starts processing your funds transfer the same Business Day if it receives the transfer and completes its security procedures before the cutoff times it establishes. To finish processing before the cutoff it must 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 funds transfers that exceed your daily limit, which may change over time, and all funds transfers from all your accounts within your user ID before the cutoff for each Business Day count toward the 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

• Same-day processing depends on meeting the cutoff, security procedures and any secondary internal reviews.
• The daily limit may change over time and counts all transfers from all accounts under your user ID.

Not stated here

• The cutoff times and the daily limit amount are not stated in this section.

Charges & Financial Obligations · User right or choice

Cancelling a wire: free within 30 minutes for consumer international transfers, otherwise only a recall attempt

You may cancel a Consumer International Funds Transfer at no cost within thirty minutes after you authorized Chase to send it. For all other funds transfers, once you have submitted a transfer for the current Business Day you cannot cancel it after Chase has begun 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 originally sent. Chase does not automatically cancel a transfer delayed more than five business days, and notifies you if it does cancel it. Once a transfer has begun processing, Chase cannot change any type of funds transfer request unless the recipient's bank agrees, and if the bank declines you are responsible for the transfer you initially 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 free cancellation applies to Consumer International Funds Transfers.
• A returned wire may not include the full amount sent.

Charges & Financial Obligations · Company practice

Wires are reviewed internally and may be held, debited during review or not approved

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 about your transfer during that review. During the review it may subtract funds from your account or place a hold on your account, which may delay processing. After Chase releases the funds transfer, the recipient's bank may delay credit to the recipient due to its own internal review processes.

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.

Qualifications & exceptions

• The internal review includes the recipient.

Charges & Financial Obligations · Restriction or exception

Wires follow the account and routing numbers you give, even if the names do not match

Chase or any other bank involved in the transfer will complete your 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 gave 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

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.

Qualifications & exceptions

• Chase and other banks use the numbers, not the names.

Charges & Financial Obligations · User right or choice

Future dated and repeating wires: not for consumer international transfers, cancel 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 from your account, 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 established them unless that is a non-Business Day, in which case they begin on the prior Business Day. You may 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.

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

Qualifications & exceptions

• Consumer International Funds Transfers cannot be future dated or repeating.
• Cancellation deadline is 11:59 p.m. ET the calendar day before processing begins.

Charges & Financial Obligations · Company practice

Foreign currency wires use Chase's own rates, which may be less favorable, and Chase may earn a commission

Chase decides in its discretion which foreign currencies it will send transfers in, and this can change at any time. If you send a funds 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 the rates are determined by Chase in its sole discretion. Chase may make a commission providing foreign currency exchange services, and you should expect its rates to be less favorable than rates quoted online or in publications. The rate may vary among customers by relationship, products, transaction type, dollar amount, currency and the date and time of the exchange. If Chase completes a foreign currency exchange on your behalf, such as exchanging an incoming foreign currency wire into U.S. dollars, it may apply a rate it has established without prior notice to you.

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 are set by Chase in its sole discretion and vary by customer relationship, amount, currency and time.
• Incoming foreign currency wires converted to U.S. dollars use a rate without prior notice.

Charges & Financial Obligations · Restriction or exception

Future dated and repeating foreign currency wires use the rate on the day processing starts

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

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.

Qualifications & exceptions

• The rate is the one offered on the date processing starts, not when you scheduled the transfer.

Charges & Financial Obligations · Restriction or exception

Returned or cancelled wires: new rate applies, Chase's liability is capped and cancellation costs can be debited

If your initial request is returned, cancelled or changed and you request a new funds transfer, the current exchange rate at the time of the new transaction applies. If funds are returned or payment cannot be made for any reason, Chase is not liable for more than the amount of the transfer at its exchange rate at the time it returns the funds, less charges taken by any other bank involved; for Consumer International Funds Transfers additional rights may apply. If you cancel a transfer, other than a Consumer International Funds Transfer cancelled within thirty minutes of authorization, and it causes a loss or cost to Chase, 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 at its exchange rate and may subtract additional fees.

Supporting quotations

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

• Chase's liability on returned funds is limited to the transfer amount at its exchange rate on return, less other banks' charges.
• The 30 minute consumer international cancellation is excepted from the cancellation cost rule.

Charges & Financial Obligations · Company practice

You pay all wire fees and taxes, and Chase picks the funds transfer system

Chase may charge a fee for the Funds Transfer Services based on your account agreement or fee schedule in effect when the wire is sent, or for certain business accounts 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 taken by Chase and its affiliates may include processing fees charged by Chase. You are responsible for all fees and taxes, including Chase's fees and those 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 it is also the recipient's bank it may use an internal transfer and assess 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

• Fees may also be deducted by other financial institutions from the wire amount.
• Chase may choose the funds transfer system regardless of your instructions.

Not stated here

• The fee schedule and account agreement are not part of this document, so wire fee amounts are not stated here.

Charges & Financial Obligations · Restriction or exception

Report a wire error or unauthorized transfer within 60 days of the statement, or Chase may keep the payment

Chase is not responsible for delays in payment or additional fees caused by your failure to promptly notify it. You must exercise ordinary care to determine whether a funds transfer request Chase accepted and subtracted from your account was in error or not authorized. Except for any Consumer International Funds Transfer, you agree to notify Chase within 60 days after it mails or otherwise makes available, for example by paperless statement, a statement reflecting the transfer, and Chase is entitled to retain payment for a funds transfer unless you notify it within that 60-day period. Consumer International Funds Transfers have additional terms in their own 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.

Qualifications & exceptions

• The 60 day period runs from when Chase mails or makes available the statement showing the transfer.
• Consumer International Funds Transfers are excepted and have their own terms.

Charges & Financial Obligations · Company commitment

Consumer international transfers come with pre-transfer disclosures of amounts, fees, rate and delivery date

Before sending a Consumer International Funds Transfer, Chase provides certain important disclosures, to the extent applicable: the amount to be transferred to the beneficiary, the amount and description of fees and taxes imposed by Chase, the total amount, the exchange rate to be used, the amount of currency to be transferred, the amount and description of fees imposed by intermediaries or Chase's agents, and the amount the beneficiary will receive. It also provides 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 afterward.

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

• Disclosures are given to the extent applicable.
• They may be provided at authorization or on a receipt after you have authorized the transfer.

Charges & Financial Obligations · User right or choice

You can cancel a consumer international transfer free within 30 minutes of authorizing it

You have the right to cancel Consumer International Funds Transfers at no cost within 30 minutes after you authorized Chase to send it. Chase tells you to refer to the disclosure it gave you when you authorized the transfer for 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

• The window is 30 minutes after authorization.
• How to cancel is in the disclosure given at authorization.

Not stated here

• The disclosure that explains how to cancel is not part of this document.

Charges & Financial Obligations · User right or choice

Report a consumer international transfer problem within 180 days by phone, branch or message

If you think there has been an error or problem with your Consumer International Funds Transfer, you can call 1-855-536-1269, visit a Chase branch or J.P. Morgan Financial Center, or send an account inquiry by message on the Digital Platforms on chase.com or jpmorganonline.com. You must contact Chase within 180 days of the date it disclosed to you that funds would be made available to the recipient. Chase asks you 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.

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

Qualifications & exceptions

• The 180 days run from the date Chase disclosed that funds would be made available to the recipient.

Charges & Financial Obligations · Company commitment

Chase investigates within 90 days, reports within three business days, and refunds if it does not respond

Chase will determine whether an error occurred within 90 days after you contact it and will correct any error promptly. It tells you the results within three business days after completing its investigation and advises you of any remedies that may be available. If no response is received, Chase will refund your account for the applicable remedies. If it decides there was no error it sends a written explanation, and you may ask for copies of the documents it used in the investigation.

Supporting quotations

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 90 day investigation period starts when you contact Chase.
• Chase reports results within three business days after completing its investigation.

Charges & Financial Obligations · Restriction or exception

P3 transaction history is preliminary and may not match the amount that finally posts

You agree that the P3 transaction history shows only Chase's authorization of your P3 transactions and may not reflect later activity, including clearing, settlement, foreign currency exchange, reversals, returns or chargebacks. The purchase amount, currency and other details in your P3 transaction history may therefore be preliminary and may not match the amount that finally clears, settles and posts to your card's billing or monthly statement.

Details not recorded for this card

Supporting quotations

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.

Qualifications & exceptions

• The history reflects authorization, not post-authorization activity.

Charges & Financial Obligations · Context

Real-Time Payments Service Addendum: sending or receiving means you accept its terms

The Real-Time Payments Service Addendum, last updated 10/26/2023, governs the service that lets you send or receive payments to or from other Persons. By sending or receiving payments through it you agree to accept and comply with the terms of the Agreement. To return a payment you received through the service you must contact Chase at 877-CHASEPC (877-242-7372), or 877-840-0723 for J.P. Morgan Online clients. For Consumer Accounts, you are directed to your deposit account agreement for important information about your rights and obligations on liability for activity on your account.

Supporting quotations

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 requires contacting Chase by phone.
• Different phone number for J.P. Morgan Online clients.

Not stated here

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

Charges & Financial Obligations · Context

Real-Time Payments work with Persons at participating banks, with a Vendors and Employees option for business accounts

The service lets you send payments to and receive payments from Persons that bank with a financial institution participating in the Real-Time Payments System, including JPMC (Service Participants), including sending payments to your own accounts at other Service 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

• Requests for payment work only if enabled by Chase.
• Real-Time Payments Service for Vendors and Employees requires a Business Account enrolled in ACH Payment Services.

Charges & Financial Obligations · Permission or license

Submitting a Service Transfer Request irrevocably authorizes Chase to deduct the amount and fees right away

You start a payment from a Sender to a Receiver by submitting a Service Transfer Request through Chase Online, Chase Mobile, Chase Business Online, J.P. Morgan Online, J.P. Morgan Mobile or other Digital Platforms Chase makes available, giving Receiver Addressing Information and the Service Transfer Amount. By submitting it you represent and warrant that the transfer complies with the terms. You also irrevocably and unconditionally authorize Chase to deduct the Payment Amount, the Service Transfer Amount plus any fees you owe in connection with the transfer, from your account, and Chase may deduct it immediately on receiving your submission.

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.
• Chase may deduct the Payment Amount immediately on receipt.

Charges & Financial Obligations · Restriction or exception

Real-Time Payments limits: $5,000 per payment for consumer accounts, $25,000 for business, $10,000 for private banking

You may not send through the Real-Time Payments Service more than $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 out in Section 6 for payments sent in response to requests for payment; $25,000.00 in a single transaction or your currently applicable daily transfers limit, with no monthly limit, from a Business Account; or $10,000.00 in a single transaction or $20,000.00 in one day, with no monthly limit, from a Private Banking Account. Chase may set lower limits for you and block any attempted transfer over the limits, and may adjust the limits at any time in its sole discretion, and says it will notify you of 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

• Consumer Account limits are $5,000 per transaction, $10,000 per day and $50,000 per month, subject to Section 6 for payments sent in response to requests for payment.
• Business Account: $25,000 per transaction or your daily transfers limit, with no monthly limit.
• Private Banking Account: $10,000 per transaction or $20,000 per day, with no monthly limit.

Charges & Financial Obligations · Restriction or exception

No buyer protection for Real-Time Payments: you cannot dispute a transfer over goods or services

Chase does not provide buyer protection for Service Transfers, so you cannot reverse or dispute a Service Transfer because you are dissatisfied with the goods or services provided by the Receiver, because the Receiver has not delivered goods or performed 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.

Qualifications & exceptions

• Listed reasons include dissatisfaction, non-delivery or late delivery, returns and cancellation of pre-paid services.

Charges & Financial Obligations · Restriction or exception

You can ask a Receiver to return funds, but they need not, and Chase only passes the request on

The service lets you request that a Receiver return funds to you, but the Receiver is not obliged to, including where you entered the wrong amount or the wrong Receiver Addressing Information or the information you entered was associated with someone other than your intended Receiver. To make a Return Request, notify Chase at 877-CHASEPC (877-242-7372), or 877-840-0723 for J.P. Morgan Online clients. Chase's sole obligation is to transmit the Return Request to the Receiving Financial Institution through the service; it cannot guarantee that funds will be returned in whole or in part and has no obligation to make any effort to recover funds beyond transmitting the request. Any dispute between you and a Receiver must be resolved directly between the two of you, 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.

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.

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.

Qualifications & exceptions

• Chase's sole obligation is to transmit the Return Request.
• Disputes with a Receiver are between you and the Receiver.

Charges & Financial Obligations · Restriction or exception

You must verify the Receiver details and amount; Chase has no obligation to and is not liable for errors

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

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.

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.
• The Receiver name shown is based on information available to Chase and may be wrong.

Charges & Financial Obligations · User right or choice

You need not accept a Real-Time Payment; a Sender's return request will be passed to you

You are not obliged to accept a payment sent to you through the Real-Time Payments Service. To reject one, contact Chase at 877-CHASEPC (877-242-7372), or 877-840-0723 for 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

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 are free, except Vendors and Employees payments cost the lesser of $25 or 1%

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

Supporting quotations

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 Vendors and Employees fee is the lesser of $25 or 1% of the total Payment Amount.
• The amount may vary for Private Banking customers.

Not stated here

• The Private Banking fee terms are not part of this document.

Charges & Financial Obligations · Restriction or exception

Requests for payment: $25,000 per payment and $50,000 per day from consumer accounts, to people you know

If enabled, you may use the service to submit requests for payment or to pay in response to requests, subject to the listed terms. From a Consumer Account 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. You may only submit requests for payment, or pay in response to requests, to Persons who are known to you and who would reasonably expect to receive a request from you or a payment in response to a request from you.

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.

Qualifications & exceptions

• The service must be enabled by Chase.
• The higher limits apply to payments sent from a Consumer Account in response to a request for payment.
• Counterparties must be known to you and reasonably expect the request or payment.

Charges & Financial Obligations · Restriction or exception

Requests for payment: you warrant they are lawful, and Chase guarantees no delivery or payment

By submitting a request for payment 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. You acknowledge that Chase does not guarantee that the Sender will pay, in whole or in part, in response to your request or otherwise accept it. Enabling the use of the service to receive requests for payment or pay in response to them does not require Chase to provide for or guarantee delivery of a request or payment to any and all Persons. Any dispute between you and a Sender must be resolved directly between you and the Sender, and Chase has no responsibility or liability for it.

Supporting quotations

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

• Prohibited Payment is defined later in the Addendum.

Charges & Financial Obligations · Company practice

A Real-Time Payment can fail for many reasons, including bank concerns, limits and outages

A Service Transfer may fail if there are insufficient funds in the Sender's account when the request is submitted; the Sending or Receiving Institution suspects or determines it does not comply with the terms or the real-time transfer system rules; 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 being monitored for suspected fraudulent or other illegal activity; the Sender's account is being monitored for such activity; either institution declines for risk-management, legal or regulatory reasons; or the service is unavailable. Completion may also be delayed if the transfer is under fraud, regulatory or compliance review, and requests are typically completed within fifteen seconds of transmission unless the transfer fails or is delayed.

Details not recorded for this card

Supporting quotations

7. Failed Service Transfers

A Service Transfer may fail if:

there are insufficient funds available in the Sender’s account when the Sender submits the Service Transfer Request;

the Sending Institution or Receiving Institution suspects or determines that the Service transfer does not comply with these terms or the rules of the real-time transfer system that is accessed through the Real-Time Payments Service;

the Receiver rejects the Service Transfer or has declined to receive Service Transfers;

the Service Transfer Request exceeds the Sender’s limit(s);

the Receiver’s account at the Receiving Institution is closed, invalid, ineligible to receive Service Transfers, or being monitored for suspected fraudulent or other illegal activity;

the Sender’s account at the Sending Institution is being monitored for suspected fraudulent or other illegal activity;

the Sending Institution or Receiving Institution otherwise declines to process the Service Transfer for risk-management, legal, or regulatory reasons; or

the Real-Time Payments Service is unavailable.

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

Qualifications & exceptions

• The fifteen second completion time is described as typical, not guaranteed.

Charges & Financial Obligations · Company practice

Chase tells a Sender when a transfer fails but does not tell the Receiver

If you are the Sender, Chase will notify you if a Service Transfer fails. If you are the Receiver, Chase will not tell you that a Service Transfer failed, and if you have not received a transfer you were expecting, you must contact the Sender.

Supporting quotations

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

• Notice of failure goes to the Sender, not the Receiver.

Charges & Financial Obligations · Company practice

Real-Time Payment funds are credited and available immediately, any day of the week

Funds transferred through the Real-Time Payments Service are credited to the Receiver's account by the Receiving Institution immediately on completion of the Service Transfer Request and are available for withdrawal by the Receiver immediately. Except as otherwise set out in the Agreement, 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

• Subject to other terms of the Agreement, such as reviews and failures.

Charges & Financial Obligations · Restriction or exception

Prohibited Payments: unlawful, outside the U.S., test payments without need, and use only for yourself or U.S. persons

You may not use the service to make or receive Prohibited Payments: payments that violate or appear to violate any local, state or federal law or regulation; payments to accounts domiciled outside the United States; payments sent solely to test whether Receiver Addressing Information is valid, though you may send a test payment if you have a bona fide need to check information a Receiver gave you; or any other payment that violates the Agreement. You may use the service only to make or receive payments on your own behalf or on behalf of Persons resident or domiciled in the United States. If you make or receive payments for another Person, you must comply with all applicable laws, rules and regulations, including those of the Office of Foreign Assets Control, and 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 if you have a bona fide need to validate Receiver Addressing Information a Receiver gave you.
• Payments on behalf of others are limited to Persons resident or domiciled in the United States.

Charges & Financial Obligations · Restriction or exception

No guarantee of cancellation before renewal or of a refund; Chase and the provider are not liable for renewal costs

Chase displays the status of your Subscription Cancellation request in your Chase account online or in the Chase Mobile app. Neither Chase nor the Service Provider guarantees the cancellation will be completed before your subscription renewal date or that you will receive a refund, and if you are entitled to a refund the Merchant credits it directly to your applicable account. Neither is liable for unreturned balances or for costs or fees tied to a subscription 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 your renewal date is within the next three business days or you need to be sure the cancellation takes effect by a date certain, because Merchant processing varies and no completion date can be guaranteed.

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.

Qualifications & exceptions

• Cancel directly with the Merchant if the renewal date is within three business days or a firm effective date is needed.
• A refund, if due, comes from the Merchant.

Charges & Financial Obligations · Company practice

No fee for the Service, though fees may change on notice

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.

Details not recorded for this card

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

• Fee changes come with notice as required by law.

Charges & Financial Obligations · Procedure

A charge after a successful cancellation: contact Chase promptly and follow the error time frames

If you receive a successful Subscription Cancellation through the Service and then receive a charge to your applicable Chase debit card from the Merchant for that subscription that you believe is in error or unauthorized, you should contact Chase promptly after receiving the statement showing the error and follow the procedures in your account statement for the affected personal or business account. You must contact Chase within the time frames set for resolving errors about electronic funds transfers. The following paragraph addresses Chase credit cards.

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.

Qualifications & exceptions

• Applies to charges to a Chase debit card after a successful cancellation.
• You must contact Chase within the time frames for resolving errors about electronic funds transfers.

Not stated here

• The specific time frames are in your account documentation and are not stated here.

Charges & Financial Obligations · Procedure

For Chase credit card charges, use your credit card statement's error procedures

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

Details not recorded for this card

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 if you used an eligible Chase credit card.

Not stated here

• The credit card statement's procedures are not part of this document.

Charges & Financial Obligations · Restriction or exception

Where limits on consequential damages do not apply, liability is capped at $100.00

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 will 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

• Applies in states where the exclusion or limitation of liability for consequential or incidental damages may not apply.

Not stated here

• The Addendum does not list which states are affected.

Charges & Financial Obligations · Company practice

Chase adds no wallet fees, but your card's charges, wallet and carrier fees and your taxes still apply

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 any 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 applicable taxes arising from transactions originated using your Chase 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.

Qualifications & exceptions

• The Wallet Provider and third parties such as wireless companies may charge their own fees.

Charges & Financial Obligations · Restriction or exception

Wallet transaction history is preliminary; your card statement is the prevailing document

You agree the transaction history shown in a Wallet represents only Chase's authorization of your Wallet transaction and may not be complete or reflect later activity such as clearing, settlement, foreign currency exchange, reversals, returns or chargebacks. The purchase amount, currency and other details in the Wallet Provider's history 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.

Details not recorded for this card

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 prevails over the wallet's transaction history.

Charges & Financial Obligations · Restriction or exception

Payments to Chase loans and Transfers are covered; once Sent or Completed they cannot be cancelled

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, together called Payments and Transfers. When you use, or allow another to use, the Online Service or Mobile Services to send Instructions for Payments or Transfers between two eligible accounts, you agree to this Addendum's terms. You also agree that once a Payment or Transfer has a status of Sent or Completed, you cannot cancel it.

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”).

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.

Qualifications & exceptions

• Applies to Instructions sent by you or by anyone you allow to use the Online Service or Mobile Services.
• Cancellation is not possible once the status is Sent or Completed.

Charges & Financial Obligations · Context

Payments and Transfers appear on statements; wires, payroll, tax and Zelle have separate terms

All payments and transfers made through the Transfers Service appear on the statements for your respective accounts. Certain payments or transfers available through the Online Service or Mobile Services may be subject to terms separate from this Addendum, such as the online wire transfer service, payroll and tax payment services and the Chase Zelle Service, and you should refer to the agreements and documentation you receive for those services.

Details not recorded for this card

Supporting quotations

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.

Qualifications & exceptions

• The wire transfer, payroll and tax payment services and the Zelle Service have separate terms.

Not stated here

• The separate agreements for those services are not part of this Addendum.

Charges & Financial Obligations · Restriction or exception

Savings transfers are restricted, and transfers from a line of credit are cash advances

Any transfer from a savings account using the Online Service or Mobile Services is a restricted Transfer subject to certain limitations, with full details in your deposit account agreement or other terms governing the account. Eligible Transfers from a line of credit account are treated as an advance on that line of credit, accrue interest under the line of credit agreement, and are subject to all other terms and limitations on advances.

Supporting quotations

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.

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.

Qualifications & exceptions

• Savings account Transfers are restricted Transfers with limitations in the deposit account agreement.
• A line of credit Transfer is treated as an advance.

Not stated here

• The deposit account agreement and line of credit agreement are not part of this document.

Charges & Financial Obligations · Restriction or exception

Transfers to or from Chase deposit accounts: schedule by 11:00 PM ET for Internal and 8:00 PM ET for External Transfers

Cutoff Times apply on any Business Day in ET. In the table, for Transfers to or from Chase deposit accounts, the schedule cutoff is 11:00 PM ET on any Business Day for Internal Transfers and 8:00 PM ET on any Business Day for External Transfers. The cancel cutoff is 11:00 PM ET on any Business Day for Future Dated Internal Transfers, except as provided below, with the statement that once you initiate a same day Internal Transfer you have no ability to stop or cancel it, and 8:00 PM ET on any Business Day for External Transfers.

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

Qualifications & exceptions

• Once you initiate a same day Internal Transfer you cannot stop or cancel it.
• Schedule and cancel cutoffs differ by Internal and External Transfers.

Not stated here

• The 'except as provided below' wording is not tied to a specific provision in the cell.

Charges & Financial Obligations · Restriction or exception

Cutoffs for payments to Chase mortgage and commercial mortgage loans: 7:30 PM ET or 8:00 PM ET

For Payments to Chase mortgage loans, the table shows a schedule cutoff of 7:30 PM ET on any Business Day for payments from a Chase eligible deposit account and 8:00 PM ET on any Business Day for payments from a non-Chase deposit account, and the same two times for cancelling. For Payments to Chase commercial term lending mortgage loans, the table shows the same figures for both scheduling and cancelling: 7:30 PM ET from a Chase eligible deposit account and 8:00 PM ET from a non-Chase deposit account.

Supporting quotations

Payments to Chase mortgage loans | • 7:30 PM ET on any Business Day for payments from a Chase eligible | • 7:30 PM ET on any Business Day for payments from a Chase

deposit account • 8:00 PM ET on any Business Day for payments from a non-Chase deposit account | 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 cutoff depends on whether the payment is from a Chase eligible deposit account or a non-Chase deposit account.
• Business Days only.

Not stated here

• The mortgage rows wrap across lines in the extracted text; the figures are read from the wrapped cells.

Charges & Financial Obligations · Restriction or exception

Cutoffs for payments to home equity, personal loan and credit line accounts: 11:59 PM ET, with exceptions

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, except Future Dated payments, which can be made by 11:59 PM ET on any Business Day, and 8:00 PM ET on any Business Day for payments from a non-Chase deposit account. The cancel cutoff is 8:00 PM ET for same day payments from a Chase eligible deposit account if scheduled before 8:00 PM ET, 11:00 PM ET if 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

• Same day payments from a Chase eligible deposit account can be scheduled any day until 11:59 PM ET; Future Dated payments need a Business Day.
• The same day cancel cutoff depends on whether the payment was scheduled before or after 8:00 PM ET.

Not stated here

• The row wraps across lines in the extracted text; the Future Dated cancel cell continues in the second line.

Charges & Financial Obligations · Restriction or exception

Cutoffs for Chase auto loans and leases and for transfers from home equity lines of credit

The table continues. 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 on any Business Day for payments from a non-Chase deposit account, and the cancel cutoff repeats those two times (the cancel cell for the non-Chase source reads non-Chase eligible deposit account). For Transfers from Chase home equity lines of credit, the schedule cutoff is 11:59 PM ET any day for Internal Transfers to a Chase eligible deposit account and 8:00 PM ET on any Business Day for External Transfers, and for cancelling, once you initiate a same day Internal Transfer you have no ability to stop or cancel it, with 8:00 PM ET on any Business Day for External Transfers.

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 | • Once you initiate a same day Internal Transfer, you have no ability to stop or cancel such transfer. • 8:00 PM ET on any Business Day for External Transfers

Qualifications & exceptions

• Once you initiate a same day Internal Transfer from a home equity line of credit you cannot stop or cancel it.
• Auto loan and lease payment cutoffs depend on whether the source is a Chase eligible deposit account.

Not stated here

• The cancel cell for auto loans or lease accounts describes the non-Chase source as a non-Chase eligible deposit account, while the schedule cell says non-Chase deposit account.

Charges & Financial Obligations · Restriction or exception

Cutoffs for business and securities-based lines of credit

For Transfers from Chase business lines of credit, the schedule cell shows 11:59 PM ET any day for Internal Transfers to a Chase eligible deposit account and says Transfers to a non-Chase deposit account are not available, and the cancel cell says once you initiate a same day Internal Transfer you cannot stop or cancel it. 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. For Transfers from and Payments to Securities-based lines of credit, the cutoff is 4:00 PM ET on any Business Day for transfers to, or payments from, a Chase eligible deposit account, and once you initiate a same day internal transfer or payment you cannot stop or cancel it.

Supporting quotations

Transfers from Chase business lines of credit | • 11:59 PM ET any day for Internal Transfers to a Chase eligible deposit account • Transfers to a non- Chase deposit | • Once you initiate a same day Internal Transfer, you have no ability to stop or cancel such

account are not available | 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

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

Qualifications & exceptions

• Transfers to a non-Chase deposit account from business lines of credit, and payments from a non-Chase deposit account to them, are not available.
• Securities-based lines of credit have a 4:00 PM ET cutoff and no cancellation once a same day internal transfer or payment is initiated.

Charges & Financial Obligations · Restriction or exception

Investment Account transfers have a 4:30 PM ET cutoff, earlier for money market funds; cancel Payments online

For Transfers to or from Investment Accounts, the schedule cutoff is 4:30 PM ET on any Business Day for initiating a Current Day Transfer, and the cancel cutoff is 4:30 PM ET on any Business Day for Future Dated Internal Transfers, except as provided below, with the statement that once you initiate a same day Internal Transfer you cannot stop or cancel it. A footnote says transfers involving money market mutual funds may be subject to other cutoff times set by the mutual fund company, which may be earlier than 4:30 PM ET, and refers to the prospectus or the telephone number on your account statement. If you wish to cancel a Payment or Transfer you should cancel it online. For Investment Accounts, Sections 1.2(b)(iv) and 1.2(c)(iv) also apply.

Supporting quotations

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* *Transfers involving money market mutual funds may be subject to | • 4:30 PM ET on any Business Day for Future Dated Internal Transfers*, except as provided below. Once you initiate a same

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. | day Internal Transfer, you have no ability to stop or cancel such transfer. *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.

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

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

Qualifications & exceptions

• Money market mutual fund transfers may have an earlier cutoff set by the fund company.
• Sections 1.2(b)(iv) and 1.2(c)(iv) also apply to Investment Accounts.

Not stated here

• The mutual fund companies' cutoff times and prospectus are not part of this document.

Charges & Financial Obligations · Company practice

Investment Account transfer timing: when funds post, become tradable or withdrawable, and 4-day External Account holds

For Internal Transfers to an Investment Account, Instructions received on a Business Day between 3:00 AM ET and the Cutoff Time post and are viewable and available for trading immediately as of the day of the Instruction, while Instructions received after the Cutoff Time or on a non-Business Day post and become available for trading at or about 4:00 AM ET on the next Business Day. For Transfers from an Investment Account to a Chase account, Instructions received between 3:00 AM ET and the Cutoff Time are immediately posted and available for withdrawal, and those received later or on a non-Business Day are posted at or about 3:00 AM ET on the next Business Day, and in all instances the Investment Account cash balance is reduced immediately. For External Transfers to an Investment Account, instructions at or before the Cutoff Time post and are viewable by 5:01 p.m. ET on the next Business Day and, after the Cutoff Time, by 5:01 p.m. ET on the second Business Day, with trading availability at or about 11:59 p.m. ET on the day they post, and a hold for up to four Business Days is placed on the External Account for the transfer amount. For External Transfers from an Investment Account, instructions at or before the Cutoff Time post to the External Account as of 5:01 p.m. ET on the next Business Day and those after the Cutoff Time as of 5:01 p.m. ET that day, available at or about 11:59 p.m. ET, and the cash balance is reduced immediately.

Supporting quotations

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

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.

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.

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.

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.

Qualifications & exceptions

• Internal Transfers use the posting and availability times in the first Investment Account provisions; External Transfers use the later provisions with a hold of up to four Business Days.
• Posting and trading availability depend on whether Instructions arrive before the Cutoff Time, after it or on a non-Business Day.

Not stated here

• The Cutoff Time for Investment Account transfers is given in the table as 4:30 PM ET and may be earlier for money market mutual funds.

Charges & Financial Obligations · Company practice

No monthly fee for Payments or Transfers; overdraft fees or interest may apply

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 under your Instructions that overdraws your account or exceeds your J.P. Morgan Chase credit card limit, it may assess a fee or charge interest under your deposit account agreement or other applicable agreement. It is not responsible for a Payment or Transfer request if there is not enough money in the designated Pay From or From Account.

Supporting quotations

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.

Qualifications & exceptions

• The no-monthly-fee statement is subject to your account agreement.

Not stated here

• The fees and interest in other agreements are not part of this document.

Charges & Financial Obligations · Procedure

Repeating Payments and Transfers recur on a set date and you must be able to print your authorization

You may set up an eligible Payment or Transfer as a Preauthorized Electronic Fund Transfer that recurs at substantially regular intervals with no further action from you, for example monthly or, if available, biweekly or bimonthly, for the same fixed amount to the same Payee or To Account (Repeating Payments and Transfers), sent on the same calendar day or other set date you schedule. If the regular Send On date or Transfer date falls on a non-Business Day, Payments are sent the following Business Day, except for Auto and Business Loans and Lines of Credit, which are sent the prior Business Day, and Transfers are sent the prior Business Day. Repeating Payments and Transfers are deducted from your Pay From or From Account on the Send On or Transfer date. To authorize one, you agree to have a means to print a copy of your authorization for your records, and if you have no printer you agree to authorize each transaction separately until you can print a copy.

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.

In order to authorize a Repeating Payment or Transfer, you agree to have means to print a copy of your authorization for your records. If you do not have a printer, you agree to continue to authorize a Repeating transaction on a transaction-by-transaction basis until you have means of printing a copy of your authorization for your records.

Qualifications & exceptions

• Payments move to the following Business Day, except Auto and Business Loans and Lines of Credit, which move to the prior Business Day.
• Transfers move to the prior Business Day.

Charges & Financial Obligations · User right or choice

Stop a Preauthorized Electronic Fund Transfer from a Consumer Account three Business Days ahead

You have the right to stop payment of a Preauthorized Electronic Funds Transfer from your Consumer Account by notifying Chase at least three Business Days before the Send On date of the scheduled Payment or Transfer, in the manner specified in your account agreement. If Chase does not stop it in response to a timely notice, it is liable to you for those losses or damages as provided by law. If you cannot access the Online Service or Mobile Services you may call or write Online Customer Service at the contact details in the paragraph entitled Your Liability for Unauthorized Transfers or Payments, and if you call, Chase may require your request in writing within fourteen days after you call.

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 you call, we may also require you to present your request in writing within fourteen (14) days after you call.

Qualifications & exceptions

• Applies to Preauthorized Electronic Funds Transfers from a Consumer Account.
• Notice must be given at least three Business Days before the Send On date.
• A call may need to be followed by a written request within fourteen days.

Not stated here

• The contact details are in a paragraph elsewhere in the Addendum, and the account agreement's stop payment manner is not part of this document.

Charges & Financial Obligations · Context

Automatic Payments to Chase loan and credit accounts have separate terms shown at setup

Some Chase Loan and Credit Accounts may allow you to set up Automatic Payments. The terms and conditions for Automatic Payments to eligible Chase Loan and Credit Accounts are presented when you set them up and may include information on payment options, payment timing, how your payment is applied to your outstanding balance, and applicable interest and fees. More detail on Automatic Payments appears in the section entitled Payments to Chase Loans or Credit Accounts.

Details not recorded for this card

Supporting quotations

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

• Available for some Chase Loan and Credit Accounts, not all.

Not stated here

• The terms shown at setup are not part of this document.

Charges & Financial Obligations · Permission or license

You authorize Chase to debit your From Account; an underfunded Current Day Transfer is rejected without retry

You authorize Chase to charge your designated From Account for all Transfers you initiate and agree to have sufficient funds or available credit on the Transfer date for each Transfer you schedule. Except for certain Transfers to and from Investment Accounts, if available 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.

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.

Qualifications & exceptions

• Certain Transfers to and from Investment Accounts are excepted.
• Funds in a linked overdraft protection account count toward availability.

Charges & Financial Obligations · Company practice

Future Dated Transfers with too little money are retried up to two more times on each of three Business Days

For Future Dated transfers, excluding Autosave Transfers from a deposit, if there are insufficient funds in your account, including funds in a linked overdraft protection account, on the Transfer date, Chase automatically tries to debit it up to two more times on each of the three succeeding Business Days. A status of Funds Needed appears in your Transfer Activity on Chase Online and Chase Mobile for those attempts. After the final attempt the request is Cancelled and a Funding Failed status appears. Chase also notifies you of each failed attempt in accordance with applicable laws and regulations.

Supporting quotations

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.

Qualifications & exceptions

• Autosave Transfers from a deposit are excluded from these retries.

Charges & Financial Obligations · Company practice

Investment Account transfers on a future date move whatever cash is available, possibly down to zero

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 are transferred, even if below the requested amount, which means the cash balance in the Investment Account will be zero ($0). You are notified if your available cash balance is below your Transfer amount, and if the account has a zero balance on the Transfer date the Transfer is rejected.

Supporting quotations

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

• Applies to Investment Accounts.
• A zero balance on the Transfer date means the Transfer is rejected.

Charges & Financial Obligations · Restriction or exception

Internal Transfer limits: daily caps, $200,000 or $500,000 on home equity lines, no Current Day cancelling

Chase places a daily dollar limit on Internal Transfers to or from your eligible Chase accounts even if your available balance is higher, may allow transactions that exceed the limits or temporarily reduce your limits 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 make Internal Transfers up to your available balance plus any overdraft protection account balance, or your credit limit where applicable. For a home equity line of credit secured by Texas homestead property as your From Account, the minimum transfer is $4,000.00 to the extent eligible. Current Day Internal Transfer Instructions begin processing immediately and cannot be Cancelled. If the From Account is a J.P. Morgan Chase home equity line of credit, to the extent eligible, the maximum is $200,000 daily, or $500,000 daily for a Private Banking customer.

Supporting quotations

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

• Chase may allow transactions over the limits or temporarily lower limits without notice for security.
• Texas homestead home equity lines have a $4,000.00 minimum transfer; other home equity lines cap Internal Transfers at $200,000 daily, or $500,000 for Private Banking customers.
• Current Day Internal Transfers cannot be cancelled.

Not stated here

• The general daily dollar limit amount is not stated in this paragraph.

Charges & Financial Obligations · Company practice

Transfers between Chase deposit accounts: same-day funds before the cutoff, limited availability after it

Current Day transfers between deposit accounts held by Chase that are 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 are not available to cover other payments such as paper checks until the next Business Day. Repeating transfers are paid on the same calendar day of each transfer period or the next Business Day if the regular Transfer date is a non-Business Day, and 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 the Cutoff Time or on a non-Business Day funds cannot cover paper checks and similar payments until the next Business Day.

Charges & Financial Obligations · Restriction or exception

Transfers from lines of credit are limited by your credit agreement and cannot be Future Dated or Repeating

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 through 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.

Qualifications & exceptions

• Future Dated and Repeating Transfers are not available from line of credit accounts.

Not stated here

• The credit agreements' minimum and maximum amounts are not part of this document.

Charges & Financial Obligations · Company practice

Transfers to an Investment Account: tradable at once before the cutoff, about 4:00 AM ET next Business Day after

Current Day Transfers can be made between eligible Chase deposit accounts and an Investment Account, and you can cancel an existing one time Transfer request or cancel or modify a recurring Transfer request online, though to modify a recurring distribution from a retirement account you must call Investment Services at 1-800-392-5749. For Transfers to an Investment Account, Instructions received on a Business Day between 3:00 AM ET and the Cutoff Time post, are viewable and are available for trading immediately as of the day of the Instruction. Instructions received after the Cutoff Time, or on a non-Business Day, post and become available for trading at or about 4:00 AM ET on the next available Business Day.

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. When Instructions are received on a non-Business Day, funds will be posted to, and viewable in, the Investment Account and available for trading at or about 4:00 AM ET on the next available Business Day following the day the Instruction was made.

Qualifications & exceptions

• Retirement account recurring distributions can be modified only by calling Investment Services.
• Timing depends on whether Instructions arrive between 3:00 AM ET and the Cutoff Time, after the Cutoff Time or on a non-Business Day.

Charges & Financial Obligations · Company practice

Transfers from an Investment Account: withdrawable at once before the cutoff, cash reduced immediately

For Transfers from an Investment Account, Instructions received on a Business Day between 3:00 AM ET and the Cutoff Time are immediately posted and available for withdrawal in the To Account. Instructions received after the Cutoff Time are posted and available for withdrawal at or about 3:00 AM ET on the next Business Day, and those received on a non-Business Day are posted and available at or about 3:00 AM ET on the next available Business Day. In all instances the Investment Account cash balance is immediately reduced by the amount of the Transfer and no longer available for withdrawal or trading, whether Instructions are received before or after the Cutoff Time.

Supporting quotations

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. When Instructions are received on a non-Business Day, Transfers will be posted to, and available for withdrawal in, the To Account, at or about 3:00 AM ET on the next available 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

• The Investment Account cash balance is reduced immediately regardless of the cutoff.

Charges & Financial Obligations · Restriction or exception

Large or unusual Transfers, such as Investment Account withdrawals over $100,000, need 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 according to the stated terms upon that approval.

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 listed examples are introduced with including, so manual approval is not limited to them.

Not stated here

• The criteria for certain future dated Transfers needing approval are not described.

Charges & Financial Obligations · Restriction or exception

Autosave moves money automatically; you monitor it and Chase is not liable for errors or lost earnings

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, if used, 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 such Transfers closely and change or cancel them as needed, using the Chase Mobile app or Chase Online. Except as specifically stated or where the law requires a different standard, Chase is not liable for errors, losses or damages in connection with any Transfer or failure to transfer under an Autosave feature, for any reason including system outages or defects, nor for interest, gains or dividends you might have earned or not earned as a result.

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

you agree to regularly monitor such Transfers closely and change or cancel them as you determine necessary.

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

• Autosave features let Chase make periodic Transfers within limits you set.
• Liability exclusion applies except as specifically set forth or where the law requires a different standard.

Charges & Financial Obligations · Restriction or exception

External Transfer limits are dynamic: Chase sets each limit when you schedule, possibly below the table maximum

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 over your limits or temporarily reduce your limits without notice for security, and may refuse a transaction that exceeds the limits or to protect your account or the transfer system. Excluding Transfers to or from Investment Accounts, Transfers to or from External Accounts may be made up to the daily maximum in the chart for your account segment in aggregate across all your combined Chase accounts, except as the subsections describe. To help protect you from fraud and scams, Chase dynamically determines the limit for each External Transfer using internal criteria at the time you schedule it. The maximum daily limit applicable to you is displayed when you set up the transfer and may be lower than the chart maximum. If your From Account is a home equity line of credit secured by your Texas homestead, to the extent eligible, each transfer must be at least $4,000.

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.

Qualifications & exceptions

• Limits are aggregated across all your combined Chase accounts.
• The limit applicable to you is set when you schedule the transfer and may be lower than the chart maximum.
• Excludes Transfers to or from Investment Accounts, which are covered separately.

Not stated here

• The criteria Chase uses to set each limit are internal and are not described.

Charges & Financial Obligations · Restriction or exception

Maximum daily External Transfer limit by segment: $25,000 for Consumer Banking, $100,000 for the others

The chart of maximum daily limits for all accounts in the aggregate lists Consumer Banking at $25,000.00 and Chase Sapphire Banking, Chase Private Client, Private Banking and Business Banking each at $100,000.00. These are maximums, and the limit that applies to you is set when you schedule the transfer.

Supporting quotations

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

Qualifications & exceptions

• Each figure is a maximum for all accounts in the aggregate and may be lowered when you schedule the transfer.

Charges & Financial Obligations · Restriction or exception

External Transfers from a home equity line of credit are capped at $200,000 daily, or $500,000 for Private Banking

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 of $200,000 daily, or $500,000 daily if you are a Private Banking customer.

Supporting quotations

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

• Applies to the extent eligible and to home equity lines of credit as the From Account.

Charges & Financial Obligations · Company practice

External Transfers start the same day if received by the Cutoff Time; cancel until the Send On Date cutoff

Transfers between eligible Chase deposit accounts and an External Account that Chase receives by the Cutoff Time on any 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 depend on the processing times of the financial institution holding the External Account, and Instructions Chase receives 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

• Transfers from External Accounts depend on the other institution's processing times.
• Cancellation is possible until the Cutoff Time on the Send On Date.

Charges & Financial Obligations · Company practice

Investment Account External Transfers post around 5:01 p.m. ET, with a hold of up to four Business Days

For Transfers to an Investment Account from an External Account, Instructions received at or before the Cutoff Time are posted and viewable by 5:01 p.m. ET on the next Business Day, and those received after the Cutoff Time by 5:01 p.m. ET on the second Business Day, with funds available for trading at or about 11:59 p.m. ET on the day they post. In between, a hold for the transfer amount is placed on the External Account for up to four Business Days. For Transfers from an Investment Account to an External Account, Instructions received at or before the Cutoff Time post as of 5:01 p.m. ET on the next Business Day, and those after it as of 5:01 p.m. ET that day, available in the External Account at or about 11:59 p.m. ET, and the Investment Account cash balance is immediately reduced whether or not Instructions are received before the cutoff.

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

• The External Account hold of up to four Business Days applies to Transfers to an Investment Account.
• Posting day depends on whether Instructions arrive at or before the Cutoff Time or after it.

Charges & Financial Obligations · Restriction or exception

External Transfer credits are provisional; Chase can charge back unsettled transfers and delay availability

Transfer Instructions relating to External Accounts, and the data transmitted for them, are received under the Addendum and the Rules, and you and Chase agree to be bound by the Rules as 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 holding the External Account. You acknowledge you received notice of this and 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 reserves the right at any time to delay the availability of funds transferred into your deposit account by a debit from another account pending settlement or until the transactions cannot 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.

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.

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

• Credits are provisional until finally settled.
• Chase may delay availability of funds until the transactions cannot be reversed under the Rules or applicable law.

Not stated here

• The Rules are not part of this document.

Charges & Financial Obligations · Permission or license

Payments: you authorize debits and have enough funds; shortfalls can be rejected, overdrawn or retried up to six times

You authorize Chase to remove funds from your designated Pay From account for all Payments you initiate and agree to have sufficient available funds on the Send On date or Payment date. Funds in Chase Overdraft Protection count as available. If funds are insufficient for a Current Day payment, Chase does not retry and the payment is immediately rejected. For Future Dated Payments, if funds are insufficient on the Send On or Payment date Chase may reject the request, or process the payment even if it exceeds your credit limit or overdraws your account, or automatically try to debit your account up to two more times on each of the three succeeding Business Days, showing Funds Needed online, and Cancel the request after the final attempt with a Funding Failed status. Chase messages you for each failed attempt and may follow your Instructions even if the debit exceeds your credit limit or causes an overdraft, in which case it may charge any of your other accounts for the overdraft.

Supporting quotations

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.

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.

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.

Qualifications & exceptions

• Current Day payments are rejected immediately without retry.
• Future Dated payments may be rejected, processed even if they overdraw, or retried on the succeeding Business Days.
• Chase may charge any of your other accounts for an overdraft.

Charges & Financial Obligations · Restriction or exception

Chase is not responsible for Payee charges from late Payments unless it causes the delay

Chase is not responsible for any charges imposed, or any other action, by a Payee resulting from a late Payment, including finance charges and late fees, unless Chase causes processing delays that cause your Payment to be late.

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

• Chase is responsible where it causes the processing delay that makes the Payment late.

Charges & Financial Obligations · Restriction or exception

Payments to Chase mortgage, auto, home equity and personal loan accounts: dates and next-Business-Day processing

For Payments to Chase mortgage or auto loan or lease accounts, only Business Days may be chosen as Payment dates and Chase must receive Instructions by the stated Cutoff Time to give credit that same Business Day; Instructions received on a non-Business Day or after the Cutoff Time are processed the next Business Day. For 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 on any day are credited with the date they are submitted, while Future Dated payments and payments made using a non-Chase checking account use Business Days only and Instructions must be received by the Cutoff Time to get credit that Business Day, otherwise they are processed the next Business Day.

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.

Qualifications & exceptions

• Same day crediting on any day applies to payments from a Chase deposit account made before the Cutoff Time for home equity or personal loan or line of credit accounts.
• Mortgage and auto loan or lease Payment dates must be Business Days.

Charges & Financial Obligations · Context

Credit card, securities-based and business loan payments have their own terms in other documents

Payments to Chase credit card accounts have separate payment options and terms displayed when you give Instructions. Securities backed, portfolio or margin lines of credit or loans, and business loans or lines of credit, have separate payment options and terms provided in your origination and other loan documents, and not all payment types in the Addendum are available for payments to these loans or lines of credit. The Addendum tells you to see your loan terms for details and other methods of payment that may be available.

Details not recorded for this card

Supporting quotations

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

• Not all payment types in the Addendum are available for payments to securities-based or business loans or lines of credit.

Not stated here

• The separate payment terms and loan documents are not part of this document.

Charges & Financial Obligations · Permission or license

Automatic Payments to your Chase loans use separate terms and your authorization to withdraw monthly

You may be permitted to schedule Automatic Payments for your eligible Chase loan and line of credit accounts, and separate terms govern them, so you should consult your loan documents and the authorization language presented in Chase Online or the Chase Mobile app. To establish them Chase asks for your authorization to withdraw Payments from your designated 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 Transfer Period amount or due date you agreed with Chase.

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).

Qualifications & exceptions

• Available for eligible Chase loan and line of credit accounts only.
• Separate terms govern Automatic Payments.

Not stated here

• The separate terms and authorization language are not part of this document.

Charges & Financial Obligations · Company practice

Loan payments go to interest first; rejected payments may be resubmitted twice, with fees

Generally, loan payments, one-time and Automatic, are applied to interest first, then principal, escrow if applicable, and unpaid fees, though this may vary by loan product and account status and you should review the disclosures in Chase Online or the Chase Mobile app and your loan documents. If any Payment is rejected by your bank because of insufficient or unavailable funds in your designated Chase or External Account, Chase may, in its discretion, resubmit the rejected payment up to two times as permitted by law and ACH network rules, and Chase or your bank holding the External Account may charge you a fee each time a payment is rejected, including a resubmitted payment.

Supporting quotations

Generally, loan payments (one-time and Automatic Payments) are applied to interest first, then principal, escrow (if applicable), and unpaid fees.

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

• The order of application may vary depending on your loan product and the status of your account.
• Resubmission is up to two times as permitted by applicable law and ACH network rules.

Not stated here

• The loan documents and disclosures are not part of this document.

Charges & Financial Obligations · Restriction or exception

Payments to Chase loans from a Chase account are limited to the available balance each 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.

Qualifications & exceptions

• The daily amount includes any associated overdraft protection account's available balance.

Charges & Financial Obligations · Restriction or exception

You answer for transactions people you let use Payments authorize; tell Chase at once of loss or theft

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 your Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, notify Chase at once by calling 1-877-242-7372 or writing to Online Customer Service, P. O. Box 2558, Houston, TX 77252-9968. Telephoning is described as the best and fastest way of keeping possible losses to a minimum, and if you do not tell Chase you could lose all the money in each of your accounts, as well as the available funds in any overdraft protection account or other credit line included among your accounts.

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.

Qualifications & exceptions

• Applies to online transfers from your deposit accounts.
• If you do not tell Chase you could lose all the money in each of the accounts and in any linked overdraft or credit line.

Charges & Financial Obligations · User right or choice

Report within two Business Days to be fully covered; later you could lose up to $500, and more after 60 days

If you tell Chase within two Business Days after you discover the loss or theft of your Password, you are completely covered if someone makes a transfer without your authorization. If you do not tell Chase within two Business Days of discovering the loss or theft, or that an unauthorized online transfer was made from any of your deposit accounts, and Chase can prove it could have stopped the transfer had you told it, you could lose as much as $500. If an account statement shows online transfers you did not make and you do not tell Chase within sixty days after the statement was transmitted to you, you may not get back money you 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, it will extend the time periods.

Supporting quotations

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.

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

• Within two Business Days of discovering the loss or theft: completely covered.
• After two Business Days, if Chase can prove it could have stopped the transfer: up to $500.
• After sixty days from the statement showing the transfers: you may not get back money lost after the sixty days if Chase can prove it could have stopped it.
• Time periods are extended for a good reason such as a long trip or hospital stay.

Charges & Financial Obligations · Procedure

For personal accounts, tell Chase of an error no later than 60 days after the first statement showing it

For personal accounts only, the stated procedures apply: Chase must hear from you no later than 60 days after it sent you the first statement on which the error appeared, and you should provide your name and account number and a description of the error or transaction you are unsure about. The list of what to provide continues in the next section of the document.

Supporting quotations

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;

Qualifications & exceptions

• Applies to personal accounts only.
• The 60 days run from when Chase sent the first statement showing the error.

Not stated here

• The remainder of the error procedure continues in the next section.

Charges & Financial Obligations · Procedure

What to include in an error report: your details, the transaction, why and the amount

For personal accounts, when you report an error you should provide 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 the amount of the suspected error.

Details not recorded for this card

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.

Qualifications & exceptions

• Applies to personal accounts.

Charges & Financial Obligations · Company commitment

Chase decides in 10 Business Days or investigates up to 45 days with a credit; longer in some cases

Chase determines whether an error occurred within 10 Business Days after hearing from you and corrects any error promptly. If it needs more time it may take up to 45 days to investigate, and if it does it credits your balance within 10 Business Days for the amount you think is in error so you have 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 the account was opened 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.

Supporting quotations

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.

Qualifications & exceptions

• 10 Business Days becomes 20 for an account opened less than 30 days before the suspected error.
• 45 days becomes 90 for an account opened less than 30 days before the error, or for a point-of-sale or outside-the-U.S. transaction.

Charges & Financial Obligations · Procedure

A phoned error report may need written confirmation in 10 Business Days; results in three

If you call Chase about an error, it may require that you send your complaint or question in writing within 10 Business Days, and if it does not receive it within 10 Business Days it may not credit your balance. Chase tells you the results within three Business Days after completing its investigation. If it decides there was no error it sends a written explanation, and you may ask for copies of the documents it used in its investigation.

Supporting quotations

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. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Qualifications & exceptions

• If a required written confirmation does not arrive within 10 Business Days, Chase may not credit your balance.

Charges & Financial Obligations · Procedure

Errors on External Account statements go to the institution that holds that account

For errors or questions about your electronic transfers that appear on your External Account statements, you should contact the financial institution that provided the statement, following the terms and conditions of your External Account.

Details not recorded for this card

Supporting quotations

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.

Not stated here

• The External Account's terms are not part of this document.

Charges & Financial Obligations · Company commitment

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

For eligible Chase consumer deposit accounts, if money is removed 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 are responsible for using care when exiting the system and safely maintaining 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

• Applies to consumer deposit accounts only, for online and mobile Transfers.
• You must tell Chase within two Business Days of discovering the unauthorized transaction.
• Covers only things within Chase's control.

Not stated here

• What counts as within Chase's control is not defined here.

Charges & Financial Obligations · Procedure

Business account errors: Chase follows the consumer error procedures as a practice, not a legal duty

For business accounts, Chase's practice is to follow the procedures in Section 2.3 above, but it is not legally required to do so. For errors or questions about electronic transfers that appear on your External Account statements, you should contact the financial institution that provided the statement under your External Account terms.

Supporting quotations

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.

Qualifications & exceptions

• Applies to Business Deposit Accounts.
• Following the Section 2.3 procedures is Chase's practice, which it says it is not legally required to do.

Charges & Financial Obligations · Context

Definition of Automatic Payments in the Transfers Service

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

Details not recorded for this card

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 terms shown at setup are not part of this document.

Charges & Financial Obligations · Context

Transfers Service definitions: Pay From account, Payment date, Repeating, Sent and Transfers

In the Transfers Service Addendum, a Pay From account is an eligible deposit account you keep with Chase from which payments are made, Payments are the service for payments to eligible Chase Loans or Credit Accounts, and the Payment date is when you would like your payment sent to your Chase Loan or Credit Account. A Preauthorized Electronic Funds Transfer is an electronic funds transfer you authorized in advance to recur at substantially regular intervals, for example 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 posted to the account. Transfers means Internal and External Transfers together.

Details not recorded for this card

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

• These definitions apply to the Transfers Service Addendum.
• Repeating in this Addendum means the same To Account and the same amount.

Charges & Financial Obligations · Context

Zelle sends money between Users through banks; Zelle itself holds no accounts and moves no money

Chase offers eligible customers the Zelle Network as a way 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 like Chase that provide Zelle through online banking or a mobile app are called Network Financial Institutions. Zelle and its related 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").

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.

Qualifications & exceptions

• Money moves between Network Financial Institutions, not through Zelle itself.

Charges & Financial Obligations · Restriction or exception

Zelle is for people you trust: no purchase protection, but reimbursement for unauthorized and imposter-scam cases

The Service is intended to send money to friends, family and others you trust and should not be used to send money to recipients you are not familiar with or do not trust. Neither Chase nor Zelle offers purchase protection for authorized payments made with the Service, for example if you do not receive the goods or services you paid for or they are damaged or not what you expected, as the section titled No Purchase Protection explains. Reimbursement is available for valid, timely unauthorized transactions or transactions resulting from certain qualifying imposter scams. You should see your deposit account agreement for your error resolution rights and contact information for disputed transactions.

Supporting quotations

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.

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).

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 is available for valid, timely unauthorized transactions and transactions from certain qualifying imposter scams.

Not stated here

• What counts as a valid, timely unauthorized transaction or a qualifying imposter scam is not defined in this section.
• The deposit account agreement is not part of this document.

Charges & Financial Obligations · Company practice

Chase may delay, block, hold or charge back a Zelle payment, and neither Chase nor Zelle is liable

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, to use the Service; 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 or claim a refund from you for the payment amount. Reasons include fraud, scams, suspicious or illegal activity, ineligible or improper payment, noncompliance with Chase's policies, network rules or the terms of service, duplicate or incorrect payments (amount or recipient) or meeting regulatory, network or other legal obligations, and may include payments identified as originating from contact made through social media, social media marketplaces or messaging apps. A payment may be delayed or held, for example, if Chase needs more time to verify identities or payment details, or due to technical difficulties or circumstances beyond its control, and Chase notifies you in your online account and/or by email or text if it delays or blocks a payment you initiated. Neither Chase nor Zelle has liability for these transfers, including failure through no fault of theirs to complete a transaction in the correct amount or to the correct recipient (for example if you enter them incorrectly) or related losses or damages. The deposit account agreement section on restricting your account and blocking or delaying transactions gives more detail.

Supporting quotations

iv. As a recipient or sender of any transfer using the Service, you acknowledge and agree that we may, in our discretion, (A) require the use of a trusted device (as defined in your deposit account agreement) in order to use the Service, (B) delay, block or cancel a payment, (C) put a hold on the amount of such payment to or from the Pay From Account or other account (as permitted by applicable law), 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.

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.

Qualifications & exceptions

• The listed reasons are introduced with including, but not limited to.
• Chase says it notifies you online and/or by email or text if it delays or blocks a payment you initiated.

Not stated here

• The deposit account agreement section it points to is not part of this document.

Charges & Financial Obligations · Company practice

Zelle money arrives in minutes if the recipient is enrolled, otherwise it may take 1-2 business days

When sending and receiving money with the Service, if the recipient is already enrolled in Zelle the money will typically be available to the recipient in minutes. Depending on the recipient's enrollment status and/or their financial institution's policies, funds may instead be sent as Standard Payments, which typically arrive in 1-2 business days. The Receiving Money, Requesting Money and Sending Money sections give more information.

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.

Qualifications & exceptions

• Minutes if the recipient is already enrolled; 1-2 business days for Standard Payments, depending on enrollment and the recipient's institution's policies.

Charges & Financial Obligations · Restriction or exception

Zelle cutoffs: 11:00 p.m. ET between Chase accounts; 8:00 p.m. ET sending to a Network Bank

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

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

• Cutoffs apply on Business Days.

Charges & Financial Obligations · Permission or license

You authorize Chase to accept Zelle payments for you; you cannot stop an incoming transfer

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 email address, mobile phone number or Zelle tag enrolled with the Service, you have no ability to stop or cancel it. By using the Service you agree and authorize Chase to initiate credit entries to the primary or default account you enrolled. If that account is inactive or terminated, Chase may, and you authorize it to, designate another eligible and active Chase Account in your profile as the primary or default account. Payments to you are Cancelled if you have designated no Chase Account as primary or default and there are no other active and eligible Chase Accounts in your profile.

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.

Qualifications & exceptions

• Payments are Cancelled if no eligible Chase Account is available to receive them.

Charges & Financial Obligations · Restriction or exception

Payments from businesses follow their procedures; Chase does not control other Users or banks

If you receive a payment from a commercial business, government agency, not-for-profit organization or other commercial enterprise, it is delivered under both the Agreement and the procedures of that sender. Chase has 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.

Supporting quotations

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

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.

Qualifications & exceptions

• Applies to payments from a commercial business, government agency, not-for-profit organization or other commercial enterprise.

Charges & Financial Obligations · Company practice

If the recipient is not enrolled they get ten days to enroll; the sender's account may be held

Processing times vary with enrollment and information the sender and recipient provide. Chase automatically begins delivery and sends notice of a transfer to the recipient on the Send On Date, sends a second notice and gives the recipient nine succeeding Business Days to enroll in Zelle at Chase or another Network Financial Institution. At the end of that period, if the recipient has not enrolled, the transfer request is Cancelled. The sender may cancel at any time during this ten day period if the recipient is not enrolled when cancelled. A hold may be placed on the sender's account for the amount during the period. Once the recipient enrolls, transfers are automatically 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.

Supporting quotations

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

• The recipient has nine succeeding Business Days after the second notice to enroll.
• A hold may be placed on the sender's account during the period.

Charges & Financial Obligations · Restriction or exception

Request money only from enrolled Zelle recipients; cancelling a request may not stop a payment already started

You may send a request for payment using Zelle only to an enrolled token, meaning a 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 has already initiated a payment in response, Chase cannot guarantee successful cancellation of that payment. Chase attempts 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.

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.

Qualifications & exceptions

• Chase does not attempt to cancel the recipient's payment if it is Current Day, already accepted or after the Cutoff Time on the Send On Date.

Charges & Financial Obligations · Company practice

Payment requests may be ignored, are not guaranteed and expire after 14 days

You may request money from an individual or several individuals, up to a maximum number Chase sets from time to time, who are enrolled with Zelle at another Network Financial Institution, using their enrolled Zelle Token(s). The individuals may reject or ignore your request, Chase does not guarantee you will receive money or the requested amount, and if someone ignores it Chase may decide in its sole discretion not to send a reminder or repeat request. Chase may expire all your pending payment requests after a period it determines from time to time, currently fourteen days from the Send On Date.

Supporting quotations

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.

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

• The expiry period is set by Chase from time to time and is currently fourteen days from the Send On Date.

Charges & Financial Obligations · Restriction or exception

Zelle payments cannot be stopped once Funded, and can be cancelled only if the recipient has not enrolled

You may send money to a recipient on your own initiative or in response to the recipient's request, and your use is always 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 after you initiate it, you cannot stop or cancel it. Otherwise you may cancel a payment only if the person you sent it to has not yet enrolled in the Service with the email address or mobile number you used. If the recipient is already enrolled with Zelle at a Network Financial Institution, the money is sent directly 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.

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.

Qualifications & exceptions

• Funded status typically occurs immediately after you initiate the payment.
• Cancellation is possible only if the recipient has not yet enrolled with the email address or number you used.

Charges & Financial Obligations · Restriction or exception

Zelle sends to exactly the email, number or tag you enter, and a mistake does not excuse the payment

You acknowledge that payment transfers are completed using only the email address, mobile phone number or Zelle tag you enter, even if it identifies a person different from your intended recipient. The name you enter helps you identify your recipient in the drop-down menu and your transaction history but is not used to process payments. You must accurately enter the recipient's email, number or tag and make sure it is current and enrolled by the recipient, since your obligation to pay is not excused by an error in the information you enter.

Supporting quotations

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.

Qualifications & exceptions

• The name you enter is not used to process the payment.

Charges & Financial Obligations · Restriction or exception

Sending between Chase accounts: both sides need eligible accounts; keep enough funds until completion

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. If you send money you authorize Chase to withdraw funds from your designated From Account for all transfers you initiate and you agree to have sufficient funds on the Send On Date for each transfer you schedule until it is Completed or Cancelled, subject to Section 7(e). Chase is not obliged to make a requested transfer unless there are sufficient available funds in the From Account, and transfers from Chase Accounts are Funded on the date of acceptance.

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.

Qualifications & exceptions

• Subject to Zelle dollar limits.
• The Section 7(e) cited does not correspond to a lettered item in Section 7 of the Addendum.

Not stated here

• The cited Section 7(e) is not found among the lettered items of the Payment Types and Cutoff Times section.

Charges & Financial Obligations · Company practice

Between Chase accounts Zelle funds arrive in minutes or by the next Business Day; underfunded transfers fail

For transfers between Chase Accounts, funds should typically be available within minutes but no later than the next Business Day if sent before the Cutoff Time. A requested Current Day transfer 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 there are insufficient available funds to cover a Current Day transfer, the request fails and Chase makes no repeat attempts to debit the account. For Repeating and Future Dated transfers between Chase Accounts, if funds are insufficient in the From Account on the Send On Date, the transfer fails and Chase makes no repeat attempts.

Supporting quotations

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

• The next Business Day outer limit applies if the transfer is sent before the Cutoff Time.
• Underfunded Current Day, Repeating and Future Dated transfers fail without retry.

Charges & Financial Obligations · Restriction or exception

Zelle to another bank: you fund the transfer and fees, and underfunded transfers fail without retry

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 and at least one other Network Bank Account, and the holder of an account at another Network Financial Institution may enroll in Zelle with that institution and need not enroll with Chase. To send from a Chase Account you may transfer up to your available balance plus any overdraft protection balance. You authorize Chase to charge your designated From Account for transfers you initiate and agree to have sufficient funds on the Send On Date to cover each transfer and any associated fees until it is Completed or Cancelled, subject to Section 7(e), and Chase need not make a transfer unless available funds, including any available overdraft protection, cover it. If funds are insufficient on the date of acceptance the transfer fails and Chase makes no repeat attempts.

Supporting quotations

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.

Qualifications & exceptions

• Applies to transfers from a Chase Account to a Network Bank Account other than Chase.
• The Section 7(e) cited does not correspond to a lettered item in Section 7 of the Addendum.

Not stated here

• The cited Section 7(e) is not found among the lettered items of the Payment Types and Cutoff Times section.

Charges & Financial Obligations · Company practice

Funds to or from another bank take minutes to two or three Business Days after acceptance

Instructions for transfers to an unenrolled recipient at a Network Financial Institution are deducted from your Chase From Account once the recipient enrolls; otherwise funds are deducted when the transfer reaches Funded status, typically immediately after initiation. Funds typically become available in the non-Chase Network Bank Account when Chase sends a guarantee of payment or similar notice, which depending on the institution and whether your Chase Account has sufficient funds may be within minutes or within two Business Days after acceptance. Transfers from non-Chase Network Bank Accounts to Chase Accounts are subject to the sending institution's terms of service and may be delayed or cancelled as it decides in its sole discretion. Funds typically become available in the Chase account when Chase receives a guarantee of payment or similar notice, within minutes or up to three Business Days after acceptance depending on the institution, subject to its and the payment networks' processing times. After acceptance Chase tells you when the funds will be available through a communication or in your account online or the mobile app.

Supporting quotations

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.

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

• Outgoing funds to another bank may take up to two Business Days after acceptance; incoming funds up to three.
• The sending Network Financial Institution may delay or cancel incoming transfers in its sole discretion.

Charges & Financial Obligations · Restriction or exception

Zelle send limits are set per transaction by tier, can be changed without notice and are shared across accounts

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 that exceed your limits or temporarily reduce your limits without notice for security, and may refuse a transaction that exceeds the limits or to protect your account or the transfer system. Zelle transfers from your Chase Accounts may be any amount from $1 up to the limit applicable to your transaction, and limits are aggregate across 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 when you set it up based on several factors including your recipient. Each transaction falls within a tier limit that reflects the aggregate total you can send to all recipients within that tier in a day.

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.

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:

Qualifications & exceptions

• Limits are aggregate across all your combined Chase accounts enrolled with the Service.
• The limit for each transaction is set dynamically based on several factors including your recipient.

Not stated here

• The factors other than the recipient are not listed.

Charges & Financial Obligations · Restriction or exception

Zelle daily tier limits by segment, Tier 0 to Tier 2: from $500 to $7,500, continuing in the next section

The daily dollar limit table 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 of the other four. Tier 1 is $2,000 for Chase Consumer Bank and $5,000 for each of the other four. Tier 2 is $5,000 for Chase Consumer Bank and $7,500 for each of the other four. A Tier 3 row appears in the next section of the document.

Supporting quotations

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

Qualifications & exceptions

• Each figure is the aggregate total you can send to all recipients within that tier in a day.
• Chase Consumer Bank has lower figures than the other four segments in these tiers.

Not stated here

• Tier 3 and any further tiers are in the next section of the document.
• Which tier applies to a given transaction is determined dynamically by Chase and is not described in the table.

Charges & Financial Obligations · Restriction or exception

Zelle Tier 3 limits are $10,000 or $15,000; Chase shows your limit and sets no receive limit

Tier 3 is $10,000 for Chase Consumer Bank and $15,000 for each of Chase Private Client, Chase Business Banking, JPMorgan Private Bank and JPMorgan Wealth Management. Chase shows you the applicable limit for your transaction in the Chase Mobile app or chase.com when you set it up, and for same day payments, if you have already sent a transaction that day, it shows the remaining amount of your daily limit if you send to another recipient within the same tier. The limit tiers are based on several factors that Chase says it cannot share for security reasons and that may change in its discretion. Chase does not currently limit the dollar amount you may receive each day through Zelle. It may decline a Future dated or Repeating Zelle transfer on the Send On date if it exceeds the applicable tier limit, even if your available balance is higher.

Supporting quotations

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

• Chase does not currently limit what you may receive each day, which it could change.
• Future dated and Repeating transfers can be declined on the Send On date if they exceed the tier limit.

Not stated here

• The factors that decide your tier are not disclosed.

Charges & Financial Obligations · Procedure

Repeating Zelle transfers go out on the same calendar day or the prior Business Day; keep a printed authorization

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 a Repeating transfer you agree to have a printer or other means to get a printed copy of your authorization, and if you have no printer you agree to authorize each Repeating transfer separately until you can print one. You can cancel a Repeating transfer online, or if you cannot access the Online Service call 877-CHASEPC (877-242-7372) or write to Online Customer Service, P. O. Box 2558, Houston, TX 77252-9968.

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

• A non-Business Day Send On Date moves the transfer to the prior Business Day.

Charges & Financial Obligations · Company practice

No Chase fee for Zelle, but your account's fees, overdraft charges and your phone or internet costs apply

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

Qualifications & exceptions

• The account's own fees and overdraft fees or interest can apply.

Not stated here

• The deposit account agreement and fee schedule are not part of this document.

Charges & Financial Obligations · Restriction or exception

No purchase protection for goods or services paid for with Zelle, and Zelle is not meant for retail purchases

Neither Chase nor Zelle offers a purchase protection program for buying goods or services, for example 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 or online or social media marketplaces or messaging apps.

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.

Charges & Financial Obligations · Procedure

Business Deposit Account Zelle errors: Chase generally follows consumer error procedures but not as a legal duty

Except as noted in the prior section, for Business Accounts Chase's practice is generally to follow the error resolution procedures in your deposit account agreement for errors related to electronic funds transfers from consumer deposit accounts, but it is not legally required to do so, and providing those procedures to Business Accounts does not obligate it to continue to do so for any future transfers.

Supporting quotations

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.
• Following the consumer procedures is Chase's practice, which it can change for future transfers.

Not stated here

• The deposit account agreement's procedures are not part of this document.

Charges & Financial Obligations · Context

Zelle definitions: Accept, Chase Account, Completed, In Process, Network Bank, Send On Date and more

In the Zelle Addendum, Accept or acceptance is the recipient's consent to receive the funds, which can be given by the recipient or by the institution holding the account on their behalf, manually or automatically, and for institutions that accept for their account holders, including Chase, the date of acceptance typically means the Send On Date. A Chase Account is an eligible checking account held by Chase, or another eligible J.P. Morgan Chase account Chase determines from time to time, enrolled for the Service. Completed means funds were successfully processed and both the To and From Accounts were updated, not necessarily received into the To Account. In Process means 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 begin delivery and notify the recipient, and the date funds are delivered may vary and be on or after it. Zelle is a service of Early Warning Services, and Zelle platforms are the zellepay.com website and/or the Zelle mobile application operated by Zelle.

Details not recorded for this card

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, a digital payments network and company.

“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

• Completed does not necessarily mean funds were received into the To Account.
• The delivery date may be on or after the date entered in the sender's Instructions.